养老不能只靠退休金，你的“第三支柱”搭好了吗？

Core Insights - The personal pension system in China, recognized as the "third pillar" of retirement planning, is gaining significant attention as it approaches its third anniversary, with over 70 million investors participating [1][3][4] Group 1: Importance of the Personal Pension System - The personal pension system is essential for addressing retirement concerns, as the basic pension only provides a minimal safety net, necessitating a stronger third pillar for maintaining living standards [3][5] - The implementation of the personal pension system in November 2022 marked a significant step in establishing a robust retirement framework in China [3][6] Group 2: Growth and Participation - As of November 25, 2025, there are 1,245 personal pension products available, including various financial instruments such as savings, insurance, and funds, reflecting a growing awareness of self-directed retirement planning among the populace [6] - By November 2024, the number of personal pension accounts exceeded 72.79 million, with total contributions reaching several hundred billion yuan, indicating a collective awakening to the importance of personal retirement savings [6] Group 3: Benefits of Personal Pension - The personal pension system offers three unique values: tax benefits, long-term investment advantages, and professional management, which together create a comprehensive investment framework for retirement [7][8] - Tax benefits allow individuals to deduct up to 12,000 yuan from their taxable income, potentially saving up to 5,400 yuan annually for higher-income earners [8] - Long-term investment strategies help individuals avoid impulsive spending, ensuring funds are preserved for retirement [8] Group 4: Investment Strategy - Investors are encouraged to open personal pension accounts, contribute annually, and select suitable financial products based on their risk tolerance and investment knowledge [9][10] - The recommended approach includes a long-term investment mindset, trust in professional management, and consistent contributions to smooth out market fluctuations [10]