官方：个人养老金领取时需缴3%个税

Core Viewpoint - The article discusses the implementation of personal pension tax incentives in China, highlighting the tax benefits during the contribution, investment, and withdrawal phases of personal pensions, effective from January 1, 2024 [2][3]. Summary by Sections Personal Pension Tax Policy - The personal pension will be taxed at a rate of 3% upon withdrawal, without distinguishing between principal and investment income [1][2]. - Contributions to personal pension accounts are deductible from taxable income up to a limit of 12,000 yuan per year [2][3]. - Investment income within the personal pension account is not subject to personal income tax [2]. Expansion of Personal Pension Products - As of May 27, 2025, six financial companies have issued a total of 35 personal pension financial products, with a notable increase in fixed-income products [5]. - The first batch of personal pension financial products was launched in February 2023, initially consisting of only 7 products, indicating significant growth in the market over two years [6]. Investment Strategy for Personal Pensions - A well-planned personal pension investment should focus on clear goals, long-term commitment, and dedicated funds for retirement [7]. - Financial institutions are encouraged to balance innovation with risk regulation to protect investors' interests [8].