Core Viewpoint - The article discusses the personal pension system in China, highlighting its purpose, tax benefits, and the process for individuals to participate and manage their contributions [2][4][5]. Contribution Process - Individuals can contribute up to 12,000 yuan per year to their personal pension accounts, which can be deducted from their taxable income [4]. - Investment income from approved financial products is not subject to personal income tax until withdrawal [4]. Eligibility and Tax Benefits - All workers participating in urban employee basic pension insurance or rural resident basic pension insurance in China are eligible for the personal pension system [5]. - A tax deduction table is provided, showing potential tax savings based on annual taxable income, with savings ranging from 360 yuan to 5,040 yuan depending on income brackets [6]. Tax Refund Process - For those who have contributed to personal pensions in 2024, a step-by-step guide is provided for claiming tax refunds through the personal tax app [7][9][11]. - Users must authorize the app, select the declaration method, and confirm their information to process the tax refund [9][10][12]. Certificate Management - Individuals can print their contribution certificates through the "掌上12333" app or the National Social Insurance Public Service Platform, with detailed instructions provided for both methods [17][19].

Core Viewpoint - The article discusses the ongoing personal income tax settlement process and highlights the tax benefits associated with personal pension contributions, emphasizing potential tax savings based on different income brackets. Group 1: Tax Savings and Pension Contributions - The article provides a table detailing the annual taxable income brackets, marginal tax rates, and potential tax savings for individuals contributing to personal pensions, with maximum savings reaching 5,400 yuan for those with incomes above 960,000 yuan [1][2]. - It mentions that individuals can deduct contributions to personal pensions from their taxable income, with a maximum deduction of 5,400 yuan based on income levels, thus offering significant tax incentives [2]. Group 2: Important Dates and Procedures - The article outlines key dates for personal pension contributions and tax settlements, indicating that contributions must be made by December 31 of the current year, with the tax settlement period running from March 1 to June 30 of the following year [3]. Group 3: Investment Options - It suggests that account holders can invest their pension funds in suitable pension fund products, such as FOF funds, to alleviate concerns regarding retirement investment [4].

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