Social Security & Healthcare Analysis - The analysis suggests that many young individuals who pay for medical insurance may not actually utilize it, implying a potential inefficiency in the system [1] - The analysis points out that the "self-paid" portion of medical expenses often comes from individual accounts rather than pooled funds, despite the perception of insurance coverage [2][3] - The analysis suggests that resident medical insurance offers a cost-effective option for major illnesses, especially hospitalization, despite procedural hurdles [5][6] - The analysis views commercial insurance as a gamble against insurance companies, advising against it for individuals with sufficient assets (e g, 1 million in emergency cash) due to potentially unfavorable terms [6] Pension & Public Fund Insights - The analysis highlights the significant disparity in pension benefits based on employment type (e g, civil servants, state-owned enterprises, private companies, freelancers), with civil servants receiving substantially higher pensions [7] - The analysis implies that individuals in less advantageous positions within the pension system should minimize contributions as a form of resistance [8] - The analysis suggests that housing provident fund (公积金) is a tangible benefit that should be considered as part of one's income [9] - The analysis notes a decreasing trend in companies willing to take risks to help employees avoid taxes, as the risks outweigh the benefits [9] - The analysis suggests that the value of residency permits (落户) and housing purchase qualifications (房票) is diminishing, making continuous social security contributions for these purposes less worthwhile [9]

6月24日，北京市税务局12366纳税缴费服务热线回应纳税人咨询： 本期编辑 金珊 官方：个人养老金领取时需缴3%个税 公积金可用作首付款，30城已实施 SFC 21君荐读 大家退休后按月领取的基本养老金（也就是大家所说的退休金），无需缴纳个人 所得税 。与基本养老金不同，个人养老金是政府政策支持、个人自愿、市场化运 营 的 补 充 养 老 保 险 ， 每 年 缴 存 上 限 为 1 2 0 0 0 元 ， 可 按 规 定 享 受 税 收 优 惠 ： 缴 存 时 ， 可 从 工 资 等 收 入 中 扣 除 ， 无 需 缴 纳 个 人 所 得 税 ； 领 取 时 ， 只 需 按 照 最 低 档 3 %税率缴税。 来源 ： 国家税务总局北京市税务局 ...