船坐牛儿吃业阳山） | 八川屯山) 二玄H 文 | 银行螺丝钉 （转载请注明出处） 个人养老金是自愿性质的,国家虽然鼓励 大家参与，但是不会强制。 而基本养老金是强制性，每个缴纳社保的 上班族都必须要交。 (3) 资金全部自己交 以下三个特点: (1) 自己交钱自己用 个人养老金,主要是自己现在交钱给自己 以后用。 而基本养老金是现收现付的，也就是说, 像80后、90后等上班族现在交的钱，是给 60后、50后等现在需要养老的人用的。 (2) 自愿性质 个人养老金是完全由自己个人交的。 而基本养老金,国家或者企业会承担一部 分。比如职工基本养老金，由个人和个人 所在的公司各缴纳一部分。 另外，个人养老金的一个主要优势是，可 以享受个税递延的优惠。 简单理解就是,用税前收入的一部分,存 入到养老金账户中。这部分钱现在不用缴 纳个税，退休后支取时，会按照3%的税率 来缴纳个税。 所以，可以基于自己现在的个税税率,和 未来提取时3%的税率作对比，来评估自己 参加个人养老金账户可以享受多少优惠。 整体上说,收入高、个税税率高的人,参 加个人养老金账户,可以享受到的个税递 延优惠更多，也就更划算。 ▼点击阅读原 文，免费 ...

Group 1 - The core viewpoint of the article emphasizes that investing in personal pensions not only enhances retirement security but also allows individuals to enjoy tax deferral benefits [1]. Group 2 - The article discusses how to open a personal pension account and outlines five major investment options available for individuals [2]. - It promotes a limited-time free course that introduces methods for investing in personal pensions [2]. - Additional resources such as course notes and mind maps are offered to help individuals understand the course content more efficiently [3].

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].

Market Overview - The market continues to rise, returning to a rating of 4.9 stars [1] - Both large, medium, and small-cap stocks are up, with the CSI 500 and other small-cap stocks showing slightly higher gains [2] - Value styles such as dividends have seen slight increases, while growth styles have risen significantly [3] - The securities index has experienced a substantial increase, with historical patterns indicating that after a rapid rise, there may be a prolonged period of decline [3] - The Hong Kong stock market has also seen overall gains, particularly in technology stocks [4][5] Personal Pension Accounts - Recent news indicates that personal pension accounts will incur a 3% tax on both principal and earnings upon withdrawal, raising questions about their necessity [7] - The concept of tax deferral for personal pension accounts was previously discussed, emphasizing that it is not a complete cancellation of benefits [9] - Despite the tax implications, personal pension accounts still hold value for many investors [10] Case Studies on Personal Pension Accounts - Example of an individual with a monthly salary of 5,000 yuan shows that opening a personal pension account may not be necessary if they do not exceed the tax threshold [11][16] - A higher-income individual, earning 50,000 yuan monthly, benefits significantly from a personal pension account, even without making investments, due to the tax rate difference [21][26] - Another example illustrates that a younger individual with a 30,000 yuan salary can benefit from investing in index funds within their personal pension account for long-term growth [28][30] Recommendations for Personal Pension Accounts - The necessity of opening a personal pension account is minimal for those with a monthly income around 10,000 yuan or below [36] - Individuals earning between 15,000 to 20,000 yuan or more should consider opening an account, especially if they are closer to retirement [37] - Those already retired will not benefit from personal pension accounts [37] New Features and Tools - A new feature in the "Today Few Stars" mini-program has been launched, allowing users to access an ETF valuation table [38][39] - The program aims to help investors identify undervalued ETFs and track real-time valuation data [42][46]

Group 1 - The core viewpoint is that investing in personal pensions not only provides additional security for retirement but also allows individuals to enjoy tax deferral benefits [1]. Group 2 - Information on how to open a personal pension account and the five major investment options available is provided, along with a free course on personal pension investment methods [2].