个人养老金产品超1200只 明年6月起还可买储蓄国债｜LIN眼相看

Core Insights - The personal pension contribution period is approaching its peak as the end of 2025 nears, with over 1,200 personal pension products available in the market as of mid-December [1] - The personal pension system, recognized as the "third pillar" of the pension insurance framework, has expanded from pilot programs in 36 cities three years ago to nationwide promotion last year [1] - Individuals who are already participating in the basic pension insurance can voluntarily contribute to personal pensions to enhance their retirement savings [1] Contribution Details - The contribution limit for personal pensions is cumulative on an annual basis, and contributions must be completed by December 31 to qualify for tax deductions for that year [1] - In June 2026, government bonds will also be included in the range of available personal pension products [1]