中国建设银行·2025-09-18 07:06Core Viewpoint - The article emphasizes the importance of personal pension plans as a government-supported, voluntary, and market-oriented system that serves as a supplementary function for retirement insurance, providing individuals with peace of mind for their future retirement [3]. Summary by Sections Personal Pension Overview - Personal pensions are designed to enhance retirement security through government policy support and voluntary participation, allowing individuals to invest in a market-driven manner [3]. Tax Benefits - Individuals can enjoy a maximum tax deduction of 12,000 yuan per year on contributions, with investment income not taxed until withdrawal, where a 3% tax rate applies [4]. - The tax structure allows for various income brackets with corresponding marginal tax rates, providing opportunities for tax savings [6][7]. Incentives and Rewards - The article outlines various rewards for individuals who open and contribute to personal pension accounts, including a maximum of 2,696 yuan in benefits for initial contributions [2][10]. - Additional rewards are available for reaching specific contribution milestones, such as 88 yuan for the first deposit and up to 380 yuan for contributions of 10,000 yuan [10]. Investment Products - The article promotes a specific investment product, the "建信优享进取养老目标五年持有混合发起(FOF)Y," which is designed for long-term holding with a minimum period of five years to mitigate short-term market fluctuations [13][14]. - The fund aims to balance equity positions to capture market opportunities while maintaining a solid foundation through fixed income [15]. Fees and Charges - Management and custody fees for the promoted fund are set at 50% of the standard A-class share fees, making it a cost-effective option for investors [16].