近日有网友咨询，个人养老金和基本养老金都要缴纳个人所得税吗？一起来了解具体的政策规定。 退休享受基本养老保险待遇免征个税 根据《中华人民共和国个人所得税法》第四条规定： 下列各项个人所得，免征个人所得税： …… （七）按照国家统一规定发给干部、职工的安家费、退职费、 基本养老金或者退休费、离休费、离休生活补助费 ； 领取个人养老金按3%征收个税 根据《财政部 税务总局关于在全国范围实施个人养老金个人所得税优惠政策的公告》（财政部 税务总局公告2024年第21 号）规定： 自2024年12月15日起全面实施个人养老金制度，自2024年1月1日起，在 全国范围实施个人养老金递延纳税优惠政策 。 在缴费环节 个人向个人养老金资金账户的缴费，按照12000元/年的限额标准，在综合所得或经营所得中据实扣除； 在投资环节 对计入个人养老金资金账户的投资收益暂不征收个人所得税； 在领取环节 个人领取的个人养老金不并入综合所得， 单独按照3%的税率计算缴纳个人所得税，其缴纳的税款计入"工资、薪金所得"项 目 。 温馨提示 个人养老金是什么？ 1 2 ☆ 欢迎扫描下方二维码关注： 编辑：四川省税务局宣传中心 此"金"非彼"金" ...

投资个人养老金，既可以为自己的养老增添一份保障，还能享受个税递延的优惠。 ◆◆◆ 个人养老金账户如何开通？5大品种如何投资？ ▼点击阅读原 文，免费学习大额家庭资产配置课程 这里有一门限时免费的福利课程，介绍了个人养老金的投资方法。 文 | 银行螺丝钉 （转载请注明出处） 想要获取这个课程，可以添加下方「课程小助手」，回复「 养老金 」领取哦～ 更有课程笔记、思维导图，帮您快速搞懂课程脉络，学习更高效。 ...

Core Viewpoint - The personal pension system in China, as a significant part of the pension insurance framework, offers tax benefits during contributions and withdrawals, with a 3% income tax on withdrawals starting from December 15, 2024 [1][3]. Group 1: Tax Benefits and Regulations - Individuals can enjoy tax deductions when contributing to personal pensions, with a maximum annual contribution limit of 12,000 yuan, which can be deducted from their taxable income [3]. - The income tax rate on the taxable amount upon withdrawal is set at 3% for amounts not exceeding 36,000 yuan, with higher rates applicable for larger income brackets [2][4]. - The maximum annual tax savings for participants can reach up to 5,400 yuan, depending on their income level and applicable tax rate [4]. Group 2: Implementation and Scope - The personal pension system was officially implemented in 2022, initially in 36 cities, and will be expanded nationwide starting December 15, 2024 [3]. - All workers participating in urban or rural basic pension insurance can enroll in the personal pension system, which allows for investment in approved financial products [3].

Core Viewpoint - Ping An Life Insurance has launched its first personal pension insurance product, "Ping An Shengshi Youxiang Pension Annuity Insurance (Participating)," to meet the diverse pension savings and security needs of consumers and to support tax incentive policies [1][9]. Product Features - The "Shengshi Youxiang" product emphasizes "saving now, peace of mind later," providing valuable pension savings options for customers [2]. - Customers can enjoy tax benefits, with a maximum annual tax saving of 5,400 yuan during the contribution period [2][11]. - The product offers flexible payment options with up to nine different payment periods, catering to various financial capabilities and preferences [2][11]. Customer Example - A case study of a 35-year-old customer illustrates the potential savings and benefits: by contributing 12,000 yuan annually until age 60, the customer could save 75,000 yuan in taxes over 25 years, with potential annual pension payouts of approximately 21,865 yuan or 27,940 yuan depending on dividend participation [3][5][7]. Additional Services - Customers meeting specific criteria can access the "Zhenxiang Family Medical" service, which includes health consultations and regular check-ups, enhancing their overall retirement experience [4][8]. Company Background - Ping An Life has been a leader in pension finance for 30 years, serving around 14 million pension insurance customers and continuously expanding its product offerings to meet market demands [5][6]. - The company has optimized its asset-liability matching and maintained stable investment performance, aiming to provide long-term returns for policyholders [5][6]. Market Context - The personal pension system in China, supported by government policies, has gained popularity since its pilot launch in November 2022, with over 70 million accounts opened and nearly 500 billion yuan in contributions by the end of November 2024 [8][9]. - The recent announcement to implement the personal pension system nationwide is expected to further stimulate participation and strengthen the pension security framework in China [8][9].

活动现场，长城基金投教团队的讲师还为大家带来了财商教育小课堂，讲师围绕非法集资的识别技巧及 防范策略、如何预防AI换脸换声诈骗等内容以及对典型案例的剖析讲解，为大家带来一场干货满满的 知识盛宴。课堂上讲师郑重提示大家高收益后面往往隐藏着高风险，得到了当地政府干部与村民的高度 认同。不少参与者表示，将积极化身"金融知识宣讲员"，把所学内容传递给身边的人。 2021年12月，长城基金首次走进四川省遂宁市大英县星宿村，拉开了"财商下乡"活动的序幕。此后，该 活动陆续落地广东河源市公白镇、四川雷波县锦城镇等地，通过金融知识普及与乡村发展需求的深度结 合，让财商教育的种子在乡土间生根发芽，切实为乡村居民的财富保障与美好生活赋能。 为积极响应中国基金业协会的号召，贯彻落实个人养老金制度全国推开的政策宣传安排，近日，长城基 金投教团队走进信宜市思贺镇，开展财商下乡暨"基金行业话养老"专项投教活动。 信宜市思贺镇位于广东省粤西地区的北部，是广东省林业重点镇，下辖12个行政村。长城基金投教团队 与思贺镇镇政府合作，对各村干部职工开展个人养老金制度的宣传，助力基层干部成为政策宣讲的"第 一梯队"，推动个人养老金知识向田间地头延伸 ...

价值风格微涨。 价值风格通常低迷的时候比较抗跌，上涨行情的进攻性就弱一些。 港股也整体上涨。 文 | 银行螺丝钉 （转载请注明出处） 今天大盘低开高走，到收盘，整体上涨，回到4.8星。 中证全指站上5000点，接近去年十一假期回来后的收盘点数。 大中小盘股都上涨，中小盘指数上涨略多一些。 成长风格比较强势。 前几天下跌较多的创业板指，上涨超2%。 港股科技股上涨较多。恒生科技指数上涨1.8%。 1. 钉系列投顾组合，投顾费限时5折优惠来啦～ 螺丝钉一直致力于持续帮助大家降低成本，这次也为大家争取到了 投顾费限时5折优惠活动 。 以 主动优选组合（点击蓝字查看） 为例， 优惠期间的投顾费，具体如下图。 本期 投顾费优惠活动，开展时间为 2025年7月1日-2025年12月31日 。 优惠针对活动期间持有的所有份额生效（包含活动前买入的份额）。 只要持有投顾组合，不需额外操作即可享受优惠。 之后，螺丝钉也会继续为大家争取更多的优惠～ 点击文 章查看详情： 5折优惠来了：钉系列投顾组合，投顾费5折～ • 资金量大的时候，则走年费制封顶。 并且由系统自动判断，哪个更划算走哪个，不需要投资者手动选择。 这样，对资金量小 ...

Core Viewpoint - The establishment of Shenzhen's first financial education theme park, led by Southern Fund, aims to enhance public understanding of personal pension systems and financial literacy [1][3]. Group 1: Event Overview - The opening ceremony of the financial education theme park took place on June 26, 2025, in Shenzhen, supported by various financial regulatory bodies [1]. - Southern Fund, as a representative of the securities fund industry, collaborated with multiple financial institutions to promote financial knowledge [1]. Group 2: Educational Initiatives - Southern Fund's education base created a dedicated area focused on pension knowledge, covering personal pension system education, practical guides for participation, and investment mindset management [3]. - Professional staff distributed financial knowledge materials and answered citizens' questions about personal pension systems to enhance financial literacy [5]. Group 3: Interactive Engagement - An interactive game titled "Personal Pension Matching" was set up to engage citizens in understanding the characteristics of the personal pension system in a fun way [6]. - The "Fun Park Pension" check-in activity encouraged citizens to participate both online and offline, increasing the event's reach and attracting more visitors to the park [7]. Group 4: Future Outlook - Southern Fund's education base aims to continue its mission of financial education, contributing to the improvement of the national pension security system and enhancing overall financial literacy [9].

Group 1 - The year 2025 is identified as a critical year for the comprehensive implementation of the personal pension system in China [1] - Hongde Fund actively participates in the "One Company, One Province, One University" initiative to promote investment knowledge related to retirement [1] - A financial lecture was conducted by Hongde Fund in Lhasa, Tibet, aimed at enhancing financial literacy among local government employees and university students [1] Group 2 - Hongde Fund's Macro Strategy Department Director, Sun Zhen, provided insights on the current domestic and international investment environment, focusing on China's macroeconomic situation and value investing practices [3] - The lecture included detailed information on personal pension basics, tax deferral policies, and the scale of personal pension funds, presented in an accessible manner [3] - Sun Zhen explained the differences between funds and other financial products, discussing recent trends in various financial sectors and historical investment returns [3] Group 3 - The interactive session following the lecture received positive feedback, with participants appreciating the detailed data and case studies that clarified market dynamics [5] - Attendees, including students and professionals, found the practical content helpful for understanding financial theories and their application in real investment scenarios [5] - Over 50 participants from various local government departments and universities attended the lecture, indicating strong community engagement [5] Group 4 - Since its establishment, Hongde Fund has integrated social responsibility into its development strategy, committing to various public welfare activities annually [7] - The company aims to enhance its investment research capabilities and investor service levels while embracing digital technology innovations [7] - Hongde Fund is focused on sustainable value creation for investors and contributing to the high-quality development of public funds, particularly in areas like technology finance and pension finance [7]

Group 1 - The core viewpoint is that investing in personal pensions can enhance retirement security while benefiting from tax deferral advantages [1]. Group 2 - Information on how to open a personal pension account and the five major investment options available is provided [2]. - A free course is offered to learn about personal pension investment methods, including course notes and mind maps for efficient learning [3].

1-5月，社会消费品零售总额同比增长5.0%，5月当月同比增长6.4%，增速比上月加快1.3个百分点。这 正是我国积极推进提振消费专项行动、加力扩围实施消费品以旧换新政策等举措带动效应的体现。 值得关注的是，较高的养老金替代率也有助于提高人们当前的消费倾向。我国居民部门储蓄比例较高， 如果能实现部分存款向个人养老金账户转移，可以在不影响居民部门当期现金流的情况下，提升个人养 老金账户认缴规模，这有助于提高养老金的整体替代率。 建议进一步加大个人养老金账户税收优惠力度，提高人们使用个人养老金账户的积极性；同时完善对养 老金融产品管理人(投资人)的激励机制，提升养老金产品业绩的稳健性和收益率。另，还可以增加与个 人养老金账户相关联的服务，如根据个人养老金的缴存规模，匹配相应的照护、医疗健康等服务，鼓励 有关企业顺应市场规律，增加服务供给和创新。 要在短时间内大力提振消费需求，需侧重短期内的转移支付。首先，以旧换新政策可以进一步扩围，建 议加强对中西部地区的政策倾斜，鼓励城乡结合部和农村地区积极参与"两新"政策，在支持品类方面进 一步拓展。 此外，设定有效期的消费券具有显著的时效性优势。由于本轮消费券主要限定于家电 ...