2025节税红包将到期！各大银行“花式”冲刺，主推已从开户变为个人养老金缴存

Core Viewpoint - The personal pension system in China, as the third pillar of the pension system, is seeing increased promotional efforts from banks and financial institutions as the deadline for tax-saving benefits approaches in 2025. However, the overall contribution rate remains low, particularly among younger individuals who find the tax incentives less appealing [1][4][7]. Group 1: Current Trends in Personal Pension Contributions - Major banks such as China Construction Bank, Industrial and Commercial Bank of China, and Bank of China are actively promoting personal pension contributions through tax-saving campaigns and incentives like WeChat discounts [1][4]. - As of June 15, 2025, over 150 million personal pension accounts have been opened, but the contribution rate is still considered low [1]. - The tax benefits associated with personal pensions allow for a maximum annual tax deduction of 12,000 yuan, which can lead to tax savings of up to 5,400 yuan for high-income earners [4][6]. Group 2: Challenges and Limitations - The current tax incentives primarily attract individuals nearing retirement, while younger people, who have different financial priorities, show less interest in contributing to personal pensions [3][7]. - Many young individuals perceive the personal pension system as less beneficial due to the limited annual contribution cap of 12,000 yuan and the inflexibility of accessing funds before retirement [7][8]. - The design of the personal pension system does not effectively engage the majority of the population, particularly low and middle-income earners who either do not pay taxes or benefit minimally from the current tax structure [8][10]. Group 3: Recommendations for Improvement - Experts suggest that the tax incentives should be tailored to different income groups, potentially introducing more flexible withdrawal options for significant expenses like housing and education to increase participation among younger individuals [10][12]. - There is a call for expanding the range of investment products available within personal pension accounts, including more equity-based options, to enhance returns over the long term [12][13]. - The introduction of government bonds as an investment option for personal pensions is expected to provide a safer investment avenue, appealing to risk-averse individuals [11][12].