产品持续上新，个人养老金如何成为“未来储蓄罐”？

Core Insights - The personal pension system, a key achievement of the "14th Five-Year Plan," has seen significant progress since its implementation in November 2022, with over 70 million accounts opened and more than 1,181 products available [1][2]. Group 1: System Implementation and Progress - The personal pension system was initially implemented in 36 cities and is set to expand nationwide by December 2024, with over 70 million accounts opened as of the two-year mark [2]. - The variety of products has increased, with 466 savings products, 302 funds, 376 insurance products, and 37 wealth management products available as of October 7 [2]. Group 2: Challenges and Issues - Despite the rapid growth in account openings, there are issues such as low contribution rates and limited investment activity, leading to a phenomenon described as "hot accounts, cold contributions, and low investments" [3]. - Factors affecting participation include varying resident contribution capabilities, insufficient tax incentives, and a lack of product differentiation [3]. Group 3: Recommendations for Improvement - To enhance the effectiveness of the personal pension system, policy optimization and innovation are necessary to improve attractiveness and operational efficiency [4]. - Suggestions include exploring different tax models (EET and TEE) to cater to various income groups and linking deduction limits to income levels for better inclusivity [4]. - Financial institutions are encouraged to fulfill their advisory roles, guiding individuals in rational purchasing and long-term wealth management, while developing differentiated products that offer stable and competitive returns [5].