国投瑞银基金|守护养老钱 警惕洗钱陷阱

Core Points - The personal pension system will be expanded nationwide starting December 15, 2024, from 36 pilot cities, allowing participants to enjoy tax benefits and choose compliant financial products [3] - Criminal activities have emerged, exploiting the new pension policy to commit fraud [4][5] Group 1: Fraudulent Activities - A criminal gang is impersonating a bank's pension office, claiming to offer high interest rates of 3%-5% on personal pension accounts, misleading individuals into opening multiple accounts and transferring funds [4] - An individual, misled by a so-called "exclusive financial manager," was tricked into depositing funds into a fraudulent pension account, believing he would receive additional benefits and tax credits [5] - Victims are informed that their newly opened accounts are frozen due to alleged illegal transactions, coercing them to transfer more money to "unfreeze" their accounts [8] Group 2: Understanding Personal Pensions - The personal pension system operates on an individual account basis, with a maximum annual contribution limit of 12,000 yuan, and funds can only be invested in approved financial products [10] - Once funds are deposited into the personal pension account, they cannot be withdrawn until certain conditions are met, such as reaching retirement age or other specified circumstances [10] - It is crucial for individuals to open personal pension accounts through legitimate channels to avoid falling victim to scams [11]