Core Viewpoint - The article provides a detailed guide on how to utilize the personal pension system in China, focusing on tax deductions and the steps for filing personal income tax returns related to pension contributions. Group 1: Personal Pension System Overview - The personal pension system is a government-supported, voluntary participation program aimed at supplementing retirement insurance through market operations [1]. - Eligible participants include individuals who are part of the urban employee basic pension insurance or rural resident basic pension insurance starting from December 15, 2024 [1]. - The annual contribution limit for individuals is set at 12,000 yuan, which can be deducted from comprehensive or business income [1]. Group 2: Tax Deduction Process - Contributions can be deducted either during the year of payment or during the next year's tax reconciliation, provided they fall within the annual limit [1]. - For those receiving salary income, timely submission of relevant documents to the withholding unit is necessary for tax deductions [1]. - All contributions made before December 31, 2024, are eligible for tax deductions within the specified limits [1]. Group 3: Filing Process - The filing process begins by accessing the personal income tax app and selecting the personal pension deduction management option [3]. - Users must read the prompts and select the deduction year, with the system automatically populating the paid amount for 2024 [5]. - The next steps involve verifying the payment certificate information and choosing the appropriate declaration method based on the type of certificate [8]. Group 4: Certificate Submission - Users can submit their payment certificates either by scanning or manually entering the information [10]. - It is recommended to download the payment certificate through official channels before proceeding with the submission [13].

02 波动变成加仓机会 更重要的是,个人养老金账户的封闭性(退休前无法支取)反而成 为优势 -- 避免追涨杀跌,通过定投指数基金摊薄成本,更能长期 分享经济增长红利。 PARIT 指数+定投+个人养老金=黄金搭档 01 天然适配定期投入 个人养老金每年1.2万元的投入上限，本身就是理想的 定投计划。指数基金透明度高,既能规律定投,也可 灵活调整策略,争取超额收益。 1500 Fre 弄老指数黄金CP 种一棵养老的 "摇钱树" 养老投资是一场漫长的"马拉松"。 在这过程中,通货膨胀就像一位隐形的对手 -- 若仅依赖存款,可 能很难跑赢物价上涨的速度。适当配置权益资产(如股票型指数基 金）,是提升养老金保值增值可能性的关键。 有人问:养老不该求"稳"吗?实际上,超长期投资就像种树 -- 短期风雨（市场波动）难免，但只要树苗本身健康（资产长期向上 生长），时间会平滑波动，最终收获一片森林。 市场回调无需焦虑 -- 下跌正是摊薄成本的好时机。 若市场只涨不跌,定投成本反而会被推高。 03 小浪花不影响大航程 1.2万元是分批投入,单次高位买入影响有限。下跌后 继续定投可降低平均成本,长期反而更划算。 PART2 ...

Core Insights - The younger generation, particularly those born in the 90s and Gen Z, is increasingly proactive about retirement planning, moving beyond traditional reliance on basic pensions to explore personal pensions and corporate annuities [1][2][5] - The Chinese government is expanding the personal pension system nationwide, with a focus on developing diverse financial products to meet the varied needs of younger individuals [2][3] - Corporate annuities are becoming a significant part of retirement planning for young professionals, with many viewing them as a valuable employee benefit [3][4][5] Group 1: Retirement Planning Trends - A survey by the China Insurance Asset Management Association indicates that 60.3% of respondents expect to start retirement planning between the ages of 31 and 45 [1] - Young individuals are seeking a balance between financial security and quality of life, often opting for a combination of personal pensions, corporate annuities, and insurance products [1][2] - The concept of "养老搭子" (retirement partners) is emerging, where individuals plan for community living and services in retirement, reflecting a shift in how retirement is perceived [5][6] Group 2: Corporate Annuities and Employee Benefits - The corporate annuity market in China has expanded significantly, with nearly 160,000 participating companies and coverage for over 32 million employees, totaling over 3.6 trillion yuan [3][4] - The contribution structure of corporate annuities, where employees contribute 4% and employers match with 8%, is seen as a highly beneficial retirement investment [3] - Despite the growth, the actual participation rates in corporate annuities remain low, with less than 10% of eligible employees actively participating [5] Group 3: Government Initiatives and Market Development - The Ministry of Human Resources and Social Security announced the nationwide rollout of the personal pension system by December 2024, expanding from 36 pilot cities [2] - The National Financial Regulatory Administration is supporting the development of new financial products tailored to the personal pension system, aiming to create a diverse product ecosystem [2] - The average annual investment return for occupational annuities since marketization in 2019 has been 4.42%, indicating a stable investment environment [3][4]

文 | 银行螺丝钉 （转载请注明出处） 今天开盘后大盘一度微跌，随后反弹上涨。 截止到收盘，大中小盘股都上涨，还在5星，距离4.9星很近。 另外，今天是5月20日，祝大家节日快乐。 也到了咱们「发对象」的时间，如果有感兴趣的单身贵族们，可以点击这篇文章查看留言： 520发对象啦，优质的家庭伴侣从哪找？ 祝有情人终成眷属。 大小盘股涨幅差不多。 成长、价值风格也都上涨。 港股红利、港股科技股领涨。 港股红利类指数，最近表现比较坚挺， 港币最近利率下降明显，存款利率降低，对股息率较高的港股红利类品种也是一个利好。 1. [大吉大利，今天吃基] 第365期的螺丝钉定投实盘来啦。 时间：2025年5月20日 方案：定投买入 品种： 指数增强投顾组合：10972元 主动优选投顾组合： 12149元 点击下图，即可立即跟投买入： 点击下图，即可立即跟投买入： 定投 金额采用的是 「定期不定额」的策略，估值越低投入越多。 实际使用参考金额的时候，可以根据自己的资金，按照一定比例来定投。 例如资金较少的情况下，可以按照10%的金额来投资。 还不了解组合发车计划的朋友，可以点击阅读介绍： 螺丝钉发车计划 PS：组合底层投资基金 ...

文 | 银行螺丝钉 （转载请注明出处） 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。 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。 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。 ◆◆◆ ▼点击阅读原 文，免费学习大额家庭资产配置课程 个人养老金账户如何开通？5大品种如何投资？ ...

基本功的基,就是基金的基。 做好投资、买对基金, 从夯实投资基金的基本功开始。 1分钟GET一个知识点, 起步更轻松。 扫码进入基本功专栏 持有人新福利！ 参与投票本季心动好书，即可抽 超千元的墨水屏阅读器、姜诚同款阅读支架、读书 月卡、实体书 等悦读好礼，扫码即可直达 本材料不构成投资建议，观点具有时效性。本公司承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不 保证基金一定盈利，也不保证最低收益。投资有风险，基金过往业绩不代表其未来表现。基金管理人管理的基金 的业绩不构成对其他基金业绩表现的保证。投资者投资基金时应认真阅读基金的基金合同、招募说明书、基金产 品资料概要等法律文件。基金管理人提醒投资者基金投资的"买者自负"原则，请投资者根据自身的风险承受能力 选择适合自己的基金产品。基金有风险，投资须谨慎。 如何参与 个人养老金投资? 参加人通过以下步骤 可完成相关操作: 首先,参加人可通过国家社会保险公共服务平台、 全国人社政务服务平台、电子社保卡、商业银行 等渠道 开立个人养老金账户。开户后,可以按月、 第 11月1日 1月1日 11月1日 11月 11 ...

Core Viewpoint - The personal pension system in China, as the third pillar of the pension security system, has been officially launched nationwide after two years of pilot programs in 36 cities, but it faces challenges such as high account openings but low contribution rates, particularly among the younger demographic [1] Group 1: Individual Level Insights - Many individuals are not yet aware of the importance of early accumulation and planning for retirement, indicating a need for enhanced financial literacy and education [1] - Financial education initiatives should be strengthened to help the public develop awareness regarding personal pensions and the benefits of consistent saving habits [1] Group 2: Institutional Level Insights - The current market for pension financial products is still in its early stages, with existing products lacking competitive strength [2] - Financial institutions should prioritize product stability and safety in their design, focusing on long-term asset growth rather than short-term high returns [2] - Institutions can enhance their offerings by integrating health management services into pension products, thereby creating differentiated competitive advantages [2] Group 3: Policy and Coverage Insights - Ongoing discussions in the industry focus on increasing tax incentives and enhancing withdrawal flexibility for the personal pension system [3] - The timing of tax payments during pension withdrawals is a critical area for exploration, with potential for more flexible tax policies based on international practices [3] - There is a need to expand the coverage of the pension security system to include more groups, such as freelancers and flexible workers who currently lack access due to not contributing to social insurance [3]

（原标题：原中国保监会副主席周延礼：个人养老金制度应提升税收激励的力度） 周延礼建议，在养老目标基金之外，金融机构还可以开发包括多资产组合、年金险等在内的多元化产品 线，从而提升个人养老金产品线的适配性和专业性。 5月18日，原中国保险监督管理委员会党委副书记、副主席周延礼在"清华五道口全球金融论坛"上接受 媒体采访时表示，个人养老金制度作为养老保险体系的第三支柱，其重要性日益凸显，该制度不仅能有 效缓解基本养老金的支付压力，还能通过市场化运作，为个人提供更加灵活多样的养老保障选择。 他同时称，希望资本市场能够在提高个人养老金运营效益等方面发挥更大作用。 他同时表示，目前个人养老金制度运行平稳，但在税收激励力度、可选择的金融产品丰富度等方面还有 待提高和完善。 周延礼强调，在国家财政可以承受的范围之内，应适当提高税前扣除上限，也可以根据国家经济发展和 财政收入情况，探索多样化的个人养老金激励机制。比如，"政府配比+税收+补贴"这种复合模式，以 更好匹配中低收入群体参与的能力。 经济观察报 记者 老盈盈 此外，周延礼亦认为，还需要丰富第三支柱产品的供给，因为产品供给直接决定消费者参与个人养老金 的兴趣。当前金融 ...

Core Viewpoint - The personal pension system is an essential pillar of China's social security system, especially in the context of an aging population, and it is crucial for alleviating the pressure on basic pension payments and providing flexible retirement options [3][4]. Group 1: Importance of Personal Pension System - The personal pension system has become increasingly important as the traditional single-pillar pension model struggles to meet growing retirement needs due to rapid population aging [3]. - The implementation of the personal pension system since 2022 marks a significant step towards a multi-tiered and diversified pension protection system in China [3]. Group 2: Current Status and Challenges - Over 60 million people are currently covered by the personal pension system, indicating positive development, but this number is still insufficient compared to China's large population [4]. - There are issues such as regional development imbalances and a homogeneous participant structure that need to be addressed [4]. Group 3: Tax Policy and Product Innovation - Tax policy is a key factor affecting the attractiveness of the personal pension system, as existing tax exemptions are undermined by taxes imposed when withdrawing pensions [4]. - There is a need for more innovative and competitive pension products to meet diverse market demands, as the current offerings are limited [4]. Group 4: Future Development Suggestions - A multi-tiered and sustainable pension protection system should be established, complementing basic pensions with enterprise annuities and personal pensions [5]. - Suggestions to enhance the system's attractiveness include optimizing tax policies, increasing financial education, and simplifying participation processes [5]. Group 5: Regulatory and International Cooperation - Strengthening regulatory oversight is essential to ensure the safety and stability of the personal pension system, with a call for improved supervision of financial institutions [5]. - International cooperation and learning from successful pension systems in countries like Japan and Europe are vital for China's pension system innovation and development [6].

对于金融机构来说，该如何充分利用这一制度带来的红利？周延礼指出，要把握好这一政策红利，核心 在于经营机构要转变思想观念。养老金融服务不是简单的经营赚钱的问题，而是要坚持中央对金融工作 提出的要求，坚持人民性、政治性、专业性这三者统一。 周延礼进一步分析，从经营者角度来说，保障的提供者要完善养老金产品体系。当前金融机构提供的个 人养老金产品存在产品同质化问题，短期的产品比较多，长期的产品比较少。作为金融机构，要在长 期、健康、适老化的思路下开发适配不同风险偏好的、管理全生命周期的产品组合。 如果监管对金融机构有很强的约束机制，这对个人养老金的参加者来说会有更多的信心保障。周延礼提 到，一方面，信息披露和流动性管理要有一定约束；另一方面，要夯实经营管理的基础，个人养老金的 两个账户要协调，构建账户全生命周期的管理能力，包括定制化配置、持续的信息服务、数据共享等。 此外，周延礼还提到，金融机构需主动对接监管要求，当前监管对个人养老金的安全性、长期性责任管 理要求较高，由于其涉及广大居民的长期养老保障与资金安全，金融机构应主动将产品设计、销售行 为、资金运用等环节纳入审慎监管框架。销售行为方面，要形成自我约束机制，避 ...