郑伟：给年轻人更多的个人养老金支取自由

Group 1 - The core viewpoint of the articles emphasizes the need for greater flexibility in personal pension withdrawals to enhance the willingness of younger individuals to contribute to pension plans [1][2] - Current restrictions on personal pension withdrawals, based on a "paternalistic" approach, prioritize long-term security but reduce liquidity, discouraging younger generations from participating [1] - The average annual contribution to personal pensions is low, with individuals contributing only a few thousand yuan, despite a maximum limit of 12,000 yuan per year [1] Group 2 - A recent policy change expanded the conditions for accessing personal pensions from three to six, including new circumstances such as major illness and unemployment benefits [2] - The new conditions may complicate the withdrawal process, particularly the requirement related to medical expenses exceeding the previous year's average disposable income, which could create additional barriers [2] - Recommendations suggest that instead of government assessments, individuals should have the autonomy to decide on withdrawals, with the only requirement being the repayment of tax benefits if withdrawn early [2]