个人养老金是啥，跟社保里的养老保险有啥区别呢？｜投资小知识

Group 1 - The core concept of personal pensions is that individuals pay for their own future retirement needs, contrasting with basic pensions which operate on a pay-as-you-go system where current workers' contributions support current retirees [2] - Personal pensions are voluntary, with the government encouraging participation but not mandating it, while basic pensions are compulsory for all employees contributing to social security [3] - Contributions to personal pensions are entirely made by the individual, whereas basic pensions involve contributions from both the individual and their employer [4][5] Group 2 - A significant advantage of personal pensions is the tax deferral benefit, allowing individuals to contribute pre-tax income to their pension accounts, deferring tax payments until withdrawal at a lower rate of 3% [6]