招商银行App·2025-11-25 07:02Core Insights - The article emphasizes the attractiveness of personal pension plans, highlighting their ability to save, invest, and provide tax benefits for individuals planning for retirement [2][6][10]. Group 1: Personal Pension Benefits - Over 13 million people have chosen to open personal pension accounts at China Merchants Bank, indicating a growing trend in retirement planning [2]. - The average annualized return for pension investment products exceeds 3.4%, making them a viable option for retirement savings [5]. - Personal pension accounts allow for flexible contributions, enabling individuals to decide how much to save [2][6]. Group 2: Investment Options - 98% of pension products have shown positive returns since their inception, showcasing the effectiveness of these investment vehicles [2]. - The article mentions various investment options, including index funds and FOF products, which are designed to provide stable returns through diversified portfolios [2]. - There are over 300 exclusive pension products available, offering a range of investment choices for consumers [17]. Group 3: Tax Benefits - Individuals can save up to 5,400 yuan annually through tax deductions related to personal pension contributions, enhancing the financial appeal of these accounts [20]. - The article suggests that individuals can save nearly 4,000 yuan in taxes each year by utilizing personal pension funds [16]. Group 4: User Demographics - More than 60% of users opening personal pension accounts are from the 80s and 90s generations, indicating a shift towards early retirement planning among younger individuals [10]. - The article highlights that many users initially started saving without much thought but later recognized the benefits of accumulating savings for retirement [12].