月存千元，轻松养老：螺丝钉个人养老金定投实盘｜第422期直播回放

Core Viewpoint - The article discusses the benefits and strategies of investing in personal pension accounts, emphasizing tax deductions and suitable investment options for individuals based on their income levels [3][5][7]. Group 1: Personal Pension Account Benefits - Contributions to personal pension accounts made before December 31 can enjoy tax deductions for the year 2025, with an annual contribution limit of 12,000 yuan [3]. - Individuals with higher incomes benefit more from tax deferrals associated with personal pension accounts, making it more attractive for them compared to those with lower incomes [5][8]. Group 2: Investment Options - Personal pension accounts can invest in five categories: commercial pension insurance, savings deposits, wealth management, public funds, and government bonds [10]. - As of September 30, 2025, there are 91 index funds included in the personal pension account, covering 16 mainstream stock indices [12][13]. Group 3: Index Fund Strategies - Recommended combinations for index funds include the pairing of the CSI 300 and the CSI 500, which covers large and mid-cap stocks [16][17]. - Another effective strategy is combining leading stocks (A-series indices) with dividend strategies, which is currently adopted in personal pension investment plans [19]. Group 4: Investment Style and Performance - A-shares exhibit characteristics of style rotation between growth and value, with growth styles performing better in certain years [25][28]. - Long-term performance between growth and value styles shows minimal difference, although short-term variations exist [28]. Group 5: Investment Management - Diversified allocation and rebalancing can lead to more stable excess returns, with suggested allocations between different strategies [35][36]. - The personal pension account allows flexible contributions, with options for annual, monthly, or weekly investments [38]. Group 6: Common Questions - The investment plan is suitable for individuals who can accept the volatility of index funds and ideally should be at least five years away from retirement [49][50]. - Personal pension accounts are generally closed, with funds accessible only under specific conditions, such as reaching retirement age [54].