中国建设银行·2025-08-07 08:20Core Viewpoint - The article emphasizes the importance of personal pension plans in China as a crucial part of the pension system, highlighting the benefits and incentives for individuals to participate in such plans [4]. Summary by Sections Personal Pension Overview - Personal pensions are a significant component of China's pension system, supported by government policies, voluntary participation, and market operations, aimed at supplementing retirement insurance [4]. Tax Benefits - Individuals can deduct up to 12,000 yuan annually from their taxable income when contributing to personal pension accounts, with investment income not taxed until withdrawal, which is subject to a 3% tax rate [4]. Incentives for Participation - New account holders can receive up to 2,696 yuan in rewards through various incentives, including: - A maximum of 88 yuan for the first deposit - Up to 188 yuan for reaching a 500 yuan deposit - Up to 380 yuan for a 1,000 yuan deposit - Monthly rewards of up to 2,000 yuan for referring friends [5][6]. Additional Rewards - Special rewards for salary distribution clients and those who set up automatic contributions, with additional bonuses for reaching certain deposit thresholds [6][7]. Investment Products - The article introduces specific investment products designed for retirement planning, including: - A low-risk bond fund (FOF) for one-year holding - A medium-risk mixed fund (FOF) for five-year holding [8].