【养老】开户缴存 最高2696元待领取

Core Viewpoint - The article emphasizes the importance of personal pension planning, highlighting the benefits of tax deductions and investment opportunities provided by the personal pension system in China [3][4]. Summary by Sections Personal Pension Overview - Personal pensions are a government-supported, voluntary participation system aimed at supplementing retirement insurance, providing individuals with a sense of security for their future [3]. Tax Benefits and Investment Opportunities - Individuals can contribute up to 12,000 yuan annually to their personal pension accounts, which can be deducted from taxable income, potentially saving up to 2,696 yuan in taxes [4]. - Investment returns on personal pension contributions are not taxed until withdrawal, where a 3% tax rate applies [4]. Incentives for Participation - The article outlines various incentives for opening and contributing to a personal pension account, including rewards for first-time contributions and referrals [5][6]. - Specific rewards include 188 yuan for an initial contribution of 500 yuan and 380 yuan for contributions of 10,000 yuan [5]. Investment Products - The article introduces a specific investment product, the "建信优享进取养老目标" fund, which is a mixed fund with a five-year holding period, designed for medium-risk investors [7]. - The fund aims to capture market opportunities while maintaining a solid foundation through diversified asset allocation [7].