【通知】这笔钱，别忘记了年底可退税

Core Viewpoint - The article emphasizes the importance of tax-saving strategies for year-end bonuses, highlighting potential savings of up to 5400 yuan through personal pension contributions [3][4]. Tax Savings - By contributing 12000 yuan to a personal pension account, individuals can save up to 5400 yuan in taxes, assuming a marginal tax rate of 45% [4][5]. - The article outlines different tax-saving thresholds based on annual taxable income, with specific savings amounts for various income brackets [5][6]. Pension Contribution Incentives - The article promotes various incentives for pension contributions, including rewards for account opening and referrals, with potential earnings of up to 2000 yuan per month [8][9]. - Specific rewards are detailed for different contribution levels, encouraging higher initial deposits [8]. Investment Options - The article presents several pension fund options tailored to different age groups, suggesting a balanced approach to investment based on the individual's retirement timeline [10][11]. - It highlights the importance of adjusting investment strategies as individuals age, with a focus on risk management and liquidity for those nearing retirement [11]. Fund Performance - Performance metrics for specific pension funds are provided, indicating total returns and benchmarks since their inception, showcasing the potential for higher returns compared to standard indices [14].