官方回应：退休金无需缴纳个人所得税

Group 1 - The core viewpoint of the article is that basic pensions received after retirement are exempt from individual income tax, while personal pensions, which are government-supported and market-operated, have specific tax benefits [1][2][3] - Basic pensions are defined as monthly payments received by retirees, which do not require individual income tax payments [1] - Personal pensions have an annual contribution limit of 12,000 yuan and allow for tax deductions from income during the contribution phase, with a tax rate of 3% applied when receiving the funds [1]