Core Viewpoint - The article emphasizes the necessity of early retirement planning in the context of China's deepening aging population and the evolving economic landscape, highlighting the importance of a multi-tiered pension system that includes basic pension insurance, occupational pensions, and personal pensions as essential components for future financial security [1][2]. Group 1: Aging Population and Economic Context - As of the end of 2024, the elderly population aged 65 and above in China is projected to reach 22.023 million, accounting for 15.6% of the total population, indicating a transition into a deeply aging society [2]. - The working-age population (ages 15-64) is expected to decline to 96.565 million by the end of 2024, representing 68.6% of the total population, a decrease of 4.413 million over the past decade [2]. - The old-age dependency ratio has risen to 22.8%, meaning that for every 100 working-age individuals, there are 22.8 elderly people to support, increasing the overall pressure on the pension system [2]. Group 2: Wealth Accumulation and Investment Trends - By the end of 2024, the per capita disposable income of urban residents is projected to reach 54,188 yuan, with average consumption expenditure at 34,557 yuan, reflecting a steady increase in income levels [2]. - The downward trend in interest rates is pushing investors towards long-term investments and diversified asset allocations, with the one-year, five-year, and ten-year government bond yields at 1.09%, 1.38%, and 1.67% respectively as of the end of 2024 [2]. - Financial institutions are accelerating their transformation to meet the growing demand for personalized retirement wealth management solutions [2]. Group 3: Personal Pension System Development - The personal pension system, initiated in 2022, has evolved significantly, expanding from a single FOF product to a diverse range of investment options including passive index funds and enhanced index funds [3][4]. - By the end of 2024, the total scale of personal pension index funds has exceeded 300 million yuan, with the number of personal pension funds reaching 302 by September 30, 2025 [4]. - The performance of target date funds has been notable, with the median return for target date Y shares at 13.17% and for target risk Y shares at 6.32% as of the third quarter of 2025 [4]. Group 4: Fund Performance and Management - The top five fund companies by Y share fund size include: 1. 华夏基金 (20.15 billion yuan) 2. 易方达基金 (19.62 billion yuan) 3. 兴证全球基金 (16.4 billion yuan) 4. 工银瑞信基金 (14.55 billion yuan) 5. 中欧基金 (14.14 billion yuan) [5]. - The 工银养老2050Y fund has shown a net value growth rate of 35.61% over the past year, outperforming its benchmark by 21.26 percentage points [5]. - The investment strategy for pension funds emphasizes long-term stability and risk management, necessitating high standards for research and investment capabilities from management institutions [5].

为推进多层次多支柱养老保险体系建设，促进个人养老金业务健康发展，提升个人养老金公共服务建设 水平，在个人养老金制度全面实施一周年之际，中国社会保险学会于2025年12月13日在北京举办了个人 养老金服务发展研讨会。参会单位及人员包括人社部养老保险司、信息中心、社保中心，以及高校和科 研机构专家学者、个人养老金业务参与机构。银华基金作为业内个人养老金业务先行者，受邀参加此次 会议，并作为基金行业代表进行经验分享发言。 本次大会主题为"聚力·引领·共赢"，旨在交流个人养老金制度实施情况，分享各方经验和成果，深入探 讨个人养老金业务发展机遇与潜在挑战，为推动建立个人养老金全链条服务体系规范、提升服务能力建 言献策。 会议由人社部社会保险基金监管局原巡视员、中国社会保险学会副会长主持。会议首先由人社部养老保 险司、社保中心、信息中心有关领导进行了主旨发言。随后，金保信社保卡科技有限公司总经理就电子 社保卡个人养老金全链条服务开展情况，进行了专题发言。金融机构方面，由银华基金管理股份有限公 司等参会代表，就个人养老金业务发展探索、理论研究、服务实践等主题，进行了经验分享。专家学者 方面，中国人民大学、北京大学、对外经济 ...

近一年来，个人养老金基金市场持续壮大，产品数量与规模双双增长。2024年12月，首批85只权益类指 数基金纳入个人养老金投资产品目录，指数基金的加入为个人养老金投资增长注入新动力。 Choice数据显示，截至今年12月11日，个人养老金基金总数达313只，总规模超150亿元。其中，指数类 基金（增强指数型基金和被动指数型基金）合计95只，是自去年12月以来市场扩容的主要增量来源；养 老目标日期FOF和养老目标风险FOF数量分别为84只和134只，兴全安泰积极养老五年持有混合发起式 （FOF）Y、华夏养老2040三年持有混合（FOF）Y、中欧预见养老2050五年持有(FOF)Y和易方达汇诚 养老2043三年持有混合（FOF）Y规模均超5亿元。 个人养老金市场稳步扩容 基金盈利能力渐显 ◎记者 聂林浩 近年来，在制度红利与市场需求的共同推动下，个人养老金基金市场持续扩容，一些产品的业绩表现较 好，投资价值日渐获得投资者乃至年轻群体的认可。在业内人士看来，个人养老金业务发展驶入快车道 的同时，居民对个人养老金的理解仍待加强、产品存在同质化现象也是行业面临的挑战。 个人养老金基金业绩出色 个人养老金的盈利能力正逐渐显 ...

2025年，个人养老金制度迎来实施三周年。《2025中国养老金金融白皮书》显示，截至6月15日，全国 个人养老金账户开户人数已突破1.5亿，居民养老投资意识显著增强。随着可投资工具日益丰富，越来 越多投资者认识到：单一资产难以有效穿越经济周期，构建涵盖多资产的多元化组合，或成实现长期稳 健增值的关键路径。在此背景下，公募FOF凭借其专业化资产配置能力和风险分散优势，赚钱效应逐步 显现，投资者认可度持续提升，推动行业规模稳步扩张。天相投顾数据显示，截至2025年三季度末，全 市场FOF基金数量达518只，管理规模超1872亿元，较发展初期实现跨越式增长，产品体系与投资策略 亦日趋完善与成熟。 从早期以"基金优选"为核心的1.0阶段，到如今跨资产、跨市场的"系统性配置"2.0阶段，FOF的功能定 位已发生深刻转变。而当FOF与养老需求结合，其分散风险、专业运作和长期导向的特性，恰好契合个 人养老金对稳健性与持续性的核心要求。为更好满足市场需求，信达澳亚基金积极布局FOF业务，构建 起覆盖多元目标的FOF产品条线。 由信达澳亚基金FOF与养老投资部负责人王奕蕾管理的3只产品，既包含明确服务于养老目标的养老型 FOF ...

Core Viewpoint - The article discusses the personal pension system in China, highlighting its tax benefits and the process for individuals to manage their contributions and deductions through the personal income tax app [3][4][5]. Tax Benefits - Personal pensions allow for deferred tax benefits, where contributions up to 12,000 yuan per year can be deducted from taxable income [3]. - Investment income within the personal pension account is not subject to personal income tax [3]. - Upon withdrawal, the pension is taxed at a flat rate of 3%, separate from other income [4]. Example Calculation - An example is provided where an individual with an annual salary of 430,000 yuan and deductions of 60,000 yuan would see their taxable income decrease from 310,000 yuan to 298,000 yuan after contributing to a personal pension, resulting in a tax reduction of 2,900 yuan [4][5]. Contribution Timeline - Contributions must be made before December 31, 2025, to qualify for deductions in the following year's tax settlement [5]. App Management Steps - The article outlines steps for managing personal pension contributions through the personal income tax app, including logging in, authorizing management, and submitting deduction claims [6][7].

为应对人口老龄化带来的挑战、持续丰富养老保险产品供给、充分满足人民群众的养老保障需求,平安 人寿响应政策推出个人养老金保险产品——盛世优享(2026)养老年金保险(分红型)(以下简称"盛世优享 红26"),该产品具备多种交期可选,按约领取、更添分红惊喜,开通个人养老金账户并缴费后,还可享受递延 纳税优惠政策,为客户提供"当下省钱、未来省心"的养老保障解决方案。 中国社会老龄化程度的持续加深和长寿时代的到来,不仅带来了养老需求的显著扩大,也对养老金支付体 系产生了深远影响。从"全民参保"到"个人养老金",标志着我国养老保障体系正迈向更加多元、市场化 的发展阶段。 个人养老金是政府政策支持、个人自愿参加、市场化运营的实现养老保险补充功能的制度,面向城镇职 工基本养老保险或者城乡居民基本养老保险的参保人,实行个人账户制,交费完全由参加人本人承担,实行 完全积累。账户资金可用于购买经过金融监管机构严格筛选、运作规范、侧重长期保值的金融产品,实 现相应收益,为今后的养老多一重保障,这也是养老保险体系"第三支柱"的意义所在。该制度自2022年推 出以来广受好评,人力资源和社会保障部的通报数据显示,截至2024年11月底, ...

1 截至2024年末，全国65岁及以上的老年人口22023万人，占总人口的15.6%，已进入深度老龄化阶段。 个人养老金发展现状 为应对我国老龄化加速演进带来的挑战，早在2022年国务院办公厅印发《关于推动个人养老金发展的意见》，正式确立个人养老金制度作为养老保险体 系"第三支柱"的核心地位，通过"政府税收优惠+个人自愿参与+市场化专业运营"的模式，填补养老保障体系的短板。 2022年11月，个人养老金制度率先在36个城市（地区）启动试点，2024年12月正式向全国范围内推开。 据人力资源和社会保障部最新数据，当前全国个人养老金开户人数已突破7000万户，参与热情持续升温。产品供给端同样呈现多元化扩容态势。 截至目前，全国个人养老金产品目录内在售产品共计926只，涵盖四大核心类型：储蓄类产品466只，以国有大行和股份制银行的专属定期存款、大额存 单为主。 保险类产品118只，包括专属商业养老保险、分红型养老保险等。 正文： 基金类产品305只，是"养老专属版"，购买费率有折扣、且可享受税收优惠，涵盖权益类、混合类、债券类等多种类型。 理财类产品37只，以低风险的固定收益类产品为主，形成了"稳健为主、多元互补" ...

（原标题：个人养老金，你真的适合吗？弄清楚这些问题再上车） ...

12月8日19:00,《基民来了》第19期， 邀请养老投资专业人士和普通投资者, 距眺聊 T 人 乔老基签的远择之追。 个人养老金 蜘蛛新机遇 CD 万家基金 中国基金报 題尾來在 个人养老息盒 e / 曲步図书 乔老金韶副总 神秘嘉宝 究竟该怎么选? 直播时间 ◎12/08晚上19:00 2 + 载导航在 基民投资者真正需要的,从来都不是被教育, 他们需要被看见、被尊重、被服务。中国基金 报想通过首档基民连线栏目《基民来了》，让 业内能够直接听到来自基民们的声音。 2025年四季度末，各大机构都在 推销个人养老金产品,究竟个人养 老金能给我们带来哪些好处?如何 选到适合自己的养老金产品? 养老 目标基金、储蓄存款、商业养老保 险等究竟该如何配置? 个人养老金 节税的奥秘究竟在哪里? 点击下方视频即可预约锁定直播间 直播看点 x 连线机构 神秘嘉宾 养老金部副总监 4)享十级 1、在养老金投资上,遇到的最大困惑是? 年收入20万，每年节税多少? 2、 3、个人养老金Y份额有费率优惠吗? 4、三大养老基金如何选择? 如何选择适合自己的养老产品? 5、 如何在个人养老金中搭建指数组合? 6、 7、选择养老产品的标 ...

Group 1 - The core viewpoint of the articles emphasizes the need for greater flexibility in personal pension withdrawals to enhance the willingness of younger individuals to contribute to pension plans [1][2] - Current restrictions on personal pension withdrawals, based on a "paternalistic" approach, prioritize long-term security but reduce liquidity, discouraging younger generations from participating [1] - The average annual contribution to personal pensions is low, with individuals contributing only a few thousand yuan, despite a maximum limit of 12,000 yuan per year [1] Group 2 - A recent policy change expanded the conditions for accessing personal pensions from three to six, including new circumstances such as major illness and unemployment benefits [2] - The new conditions may complicate the withdrawal process, particularly the requirement related to medical expenses exceeding the previous year's average disposable income, which could create additional barriers [2] - Recommendations suggest that instead of government assessments, individuals should have the autonomy to decide on withdrawals, with the only requirement being the repayment of tax benefits if withdrawn early [2]