个人养老金怎么买更划算

Core Insights - The personal pension system in China is entering a critical phase as it approaches the end of 2025, with a significant increase in the number of personal pension products available, reaching 1,256 by December 15, 2023, an increase of 196 from the end of Q2 2023 [2] - The personal pension system, which has been fully implemented for one year, is becoming an integral part of household retirement planning, offering tax benefits and a market-driven approach to supplementary retirement savings [2][3] Product Categories - The personal pension products are categorized into four main types: savings products (466), insurance products (446), fund products (307), and wealth management products (37) [2] - The market for personal pension funds has surpassed 15 billion yuan, reflecting a 65% growth compared to the end of 2024, with over 97% of public fund products achieving positive returns since inception [6] Tax Benefits and Withdrawal Conditions - Contributions to personal pension accounts are tax-deductible up to 12,000 yuan per year, and investment gains are not subject to personal income tax until withdrawal, where a flat rate of 3% applies [3][4] - New withdrawal conditions have been introduced, allowing individuals facing severe illness, long-term unemployment, or low-income status to access their funds earlier, enhancing the system's flexibility [4] Investment Strategy - Investment choices should be tailored to individual circumstances, with younger individuals encouraged to invest in higher-risk funds for long-term growth, while middle-aged individuals should balance growth and stability, and near-retirees should focus on preserving capital [6] - The expansion of investment options to include government bonds starting June 2026 is expected to provide safer investment avenues, appealing to those seeking capital preservation [7]