为个人养老存的这笔钱，还可抵个税！

Group 1 - The article discusses the benefits of personal pension contributions, highlighting that individuals can make monthly, multiple, or annual contributions and choose to deduct taxes either monthly or annually based on the type of proof [3] - Personal pension contributions are capped at 12,000 yuan per year, which can be deducted from comprehensive or business income [3] - Investment income credited to personal pension accounts is not subject to personal income tax [3][4] Group 2 - Upon withdrawal, personal pensions are not included in comprehensive income and are taxed at a separate rate of 3% [3][4]