［6月25日］指数估值数据(大盘上涨回到4.9星；个人养老金账户取钱要收税，还要开通么）

Market Overview - The market continues to rise, returning to a rating of 4.9 stars [1] - Both large, medium, and small-cap stocks are up, with the CSI 500 and other small-cap stocks showing slightly higher gains [2] - Value styles such as dividends have seen slight increases, while growth styles have risen significantly [3] - The securities index has experienced a substantial increase, with historical patterns indicating that after a rapid rise, there may be a prolonged period of decline [3] - The Hong Kong stock market has also seen overall gains, particularly in technology stocks [4][5] Personal Pension Accounts - Recent news indicates that personal pension accounts will incur a 3% tax on both principal and earnings upon withdrawal, raising questions about their necessity [7] - The concept of tax deferral for personal pension accounts was previously discussed, emphasizing that it is not a complete cancellation of benefits [9] - Despite the tax implications, personal pension accounts still hold value for many investors [10] Case Studies on Personal Pension Accounts - Example of an individual with a monthly salary of 5,000 yuan shows that opening a personal pension account may not be necessary if they do not exceed the tax threshold [11][16] - A higher-income individual, earning 50,000 yuan monthly, benefits significantly from a personal pension account, even without making investments, due to the tax rate difference [21][26] - Another example illustrates that a younger individual with a 30,000 yuan salary can benefit from investing in index funds within their personal pension account for long-term growth [28][30] Recommendations for Personal Pension Accounts - The necessity of opening a personal pension account is minimal for those with a monthly income around 10,000 yuan or below [36] - Individuals earning between 15,000 to 20,000 yuan or more should consider opening an account, especially if they are closer to retirement [37] - Those already retired will not benefit from personal pension accounts [37] New Features and Tools - A new feature in the "Today Few Stars" mini-program has been launched, allowing users to access an ETF valuation table [38][39] - The program aims to help investors identify undervalued ETFs and track real-time valuation data [42][46]