6类人可提前领个人养老金

Core Viewpoint - The article discusses the new changes in the personal pension system in China, particularly the expansion of conditions under which individuals can withdraw their personal pensions, effective from September 1, 2025. This aims to enhance flexibility in response to economic or health-related challenges [1][2]. Summary by Sections Changes in Withdrawal Conditions - The new regulations introduce three additional scenarios for withdrawing personal pensions, alongside the existing three conditions: reaching the retirement age, total loss of working capacity, or settling abroad. The new conditions include: 1. Medical expenses exceeding the average disposable income of residents in the previous year after insurance reimbursement [2][3]. 2. Accumulated unemployment insurance claims for 12 months within the last two years [2]. 3. Currently receiving minimum living security benefits [2]. Application Process Optimization - The application process for withdrawing personal pensions has been optimized, allowing applications through various online platforms, including the National Social Insurance Public Service Platform and the 12333 App, in addition to traditional bank applications [2]. Market Development and Trends - The personal pension system has seen significant growth since its pilot launch in November 2022, expanding from 36 cities to nationwide coverage. The number of personal pension accounts has surpassed 70 million, with a total of 1,100 investment products available [3][9]. - Despite the "hot account opening, cold payment" phenomenon, the overall market is developing steadily, with a 46.2% increase in investors opening personal pension product accounts [9]. Fund Performance - As of the second quarter, the total scale of personal pension funds exceeded 12.4 billion, with over 290 funds yielding positive returns since inception. Notably, some funds have achieved returns exceeding 20% [10][11]. Long-term Market Impact - The increase in withdrawal scenarios may lead to some funds exiting the capital market earlier; however, the overall impact on total capital may be limited as individuals can continue to contribute after withdrawals. In the long run, the growing participation in personal pensions is expected to stabilize capital market inflows and promote value investment [12].