年缴 1.2 万还能免税？个人养老金和社保根本不是一回事！

Core Insights - The article discusses the differences between social security pensions and personal pension accounts, highlighting that social security is mandatory while personal pensions are voluntary [2][3] - Personal pensions offer tax benefits, allowing individuals to deduct contributions from taxable income, which can lead to significant savings [3][4] - The article emphasizes the varying attitudes towards personal pensions, with high-income individuals more likely to participate compared to younger workers who may prioritize immediate spending [4] Summary by Sections - Social Security Pensions: These are mandatory contributions made by employers and employees, providing a basic safety net for retirees, with benefits that are not taxable upon receipt [2][3] - Personal Pension Accounts: These accounts require individuals to first contribute to social security and are entirely voluntary. They allow for flexible contributions and investment options, but funds are locked until retirement or specific circumstances [2][3][4] - Tax Benefits: Contributions to personal pensions can be deducted from taxable income, providing immediate tax savings, which can be particularly beneficial for higher earners [3][4] - Flexibility and Accessibility: Personal pensions offer more flexibility in terms of contribution frequency and amount, but funds cannot be accessed until retirement, similar to social security [3][4] - Diverse Attitudes: There is a divide in how different income groups view personal pensions, with higher earners seeing them as advantageous, while younger individuals may not prioritize them [4]