与你有关!每月缴存个人养老金,享抵税+省钱 , 11/2 el | 间 @ @ 缴存个人养老金, 全年最高可省5400元 还有一项"隐藏红包" 每年缴存个人养老金 每年12000元缴存额度 最高省税 5400元 倒计时一天，现在完成缴存 就能锁定这笔"年终收益"! 现在缴存 立享税优 按当年缴纳12000元个人养老金计算 全年应纳 全年应纳 税所得额 全年应纳 96万以上 全年应纳 66-96万 税所得额 42-66万 全年应纳 稅所得额 边际税率 全年应纳 30-42元 45% 税所得额 边际税率 全年应纳 14.4-30万 边际税率 稅所得额 35% 3.6-14.4万 当年至高 30% 边际税率 0-3.6万 当年至高 节祝 边际税率 25% 节祝 当年至高 5400 20% 边际税率 节积 4200 当年至高 边际税率 10% 节积 3600 当年至高 8% 节视 当年至高 3000 节祝 2400 当年至高 1200 节祝 360 * 全年应纳税所得额= 综合所得金额-专项扣除 -基本扣除(6万元)-专项附加扣除-其他扣除 , 1专项扣除指基本养老保险、基本医疗保险、失业保险和住房公积金; 2其他扣 ...

Group 1 - The core initiative of the "Elderly Care Hundred Cities Plan" by Huaxia Fund and Bank of China aims to enhance awareness and accessibility of retirement planning through community engagement events [1][2] - The program has successfully conducted multiple interactive events across various cities, including a recent one in Foshan, focusing on personalized retirement solutions and investor education [1][2] - Huaxia Fund emphasizes the importance of early long-term investment in response to the challenges posed by an aging population, aiming to provide comprehensive retirement services [2] Group 2 - Huaxia Fund has developed a diverse product line for retirement planning, including 22 pension funds, with a total scale of 20.1 billion for Y-share personal pension funds, making it the largest fund management company in this sector [2] - The performance of specific funds, such as the Huaxia Shanghai Stock Exchange Science and Technology Innovation Board 50 ETF, has shown significant returns, with a one-year change of 47.63% [3] - The Huaxia Pension 2040 Three-Year Holding Mixed Fund has also performed well, with a net value growth rate of 16.62% over the past year, surpassing its benchmark [3][4]

专题：财经年会2026：预测与战略暨2025全球财富管理论坛 同时，需优化产品设计，设置默认投资选项，将优质投资资源集中于默认产品，满足大多数普通消费者 的需求；建立产品评价与进出机制，保障产品质量与市场竞争透明度，增强消费者信任。 万群指出，个人是养老的核心责任主体与直接受益者，不能单纯依赖政府、企业或家庭。 "个人要承担起个人的责任，主要在养老的理念方面，在养老的长期规划方面，在养老的参与度方面， 个人需要做更多工作，提高自己的养老认知和进行科学的养老规划。如果在政府、市场、个人方面不断 推进，未来中国养老的问题可能会有机会得到不断的推进和解决"他说。 针对年轻人、低收入群体参与长期养老储蓄意愿低的问题，万群提出三大解决方案。 一，制度设计需兼顾人性特点，引入行为金融学成果，提供更灵活的参与机制，降低入门门槛，让更多 人先 "登上养老这艘船"，再逐步完善规划 。 国外实践表明，允许加入后退出的机制，实际退出率极 低。 二，优化产品选择逻辑，通过默认投资选项减少决策负担，让专业团队为普通消费者管理养老资金，提 升收益稳定性。 三，借助智能技术搭建类似 "养老金面板" 的工具，整合个人在不同机构的养老账户信息 ...

如果说税收优惠是养老资金的"安全垫"，那么指数基金Y份额和公募养老FOF就是助力长期增值的"核心 引擎"。其中，指数基金Y份额通过追踪市场核心指数，为投资者提供分享经济增长红利的便捷工具； 而养老FOF通过跨市场、跨品类资产配置，力争有效平滑单一市场波动，比如股债搭配、境内外资产组 合等，一定程度上可大幅降低极端风险概率。 2025年度个人养老金缴存已进入倒计时！随着年底脚步渐近，不少人仍在参与与否间徘徊：有人因"钱 存进去后直到退休才能提取"而心生顾虑，也有人害怕可能遭遇"投资亏损"。其实解开这些顾虑的关 键，在于读懂养老规划的核心逻辑：它并非简单的"临时存钱"，而是借助"长期投资+复利积累"，为养 老生活积攒底气的明智之举。 01 养老"不遥远"，主动规划应提上日程 民政部数据显示，截至2024年底，60岁及以上人口占比达22.0%，总数超3.1亿，较2021年上升16个百分 点，我国中度老龄化加速。与此同时，卫健委数据显示，2024年我国居民人均预期寿命增至79岁，退休 后生活周期或长达约20年。从养老金抚养比数据来看，国家统计局数据显示，截至2024年全国65周岁以 上老年人口抚养比达22.8%。在当 ...

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].

所以年轻人日常要养成良好的生活习惯、 健康的饮食习惯,才能更好地为老年时拥 有健康的身体打下坚实基础,过上更加舒 适、自在的养老结混乱 年龄越大,身体越依赖于头脑和精神。 《优雅变老的艺术》一书中提出,学习增 加了大脑中的"关联",更能对抗痴呆。 保持好奇心和学习心态,保持对新鲜事物 的敏感度,才能避免或延缓思维变得迟缓 目更容易适应时代的变化! 随着年纪的增长，外加工作和生活的压 力,法令纹、长班、皱纹等抗衰问题备 受关注,虽然皮肤衰老是自然的过程, 但我们可以通过一些小方法实现延缓衰 老或预防皮肤病。 除了保湿,合理膳食、坚持运动、足够 睡眠等也很重要哦! 根据《2023中国亚健康数据分析报告》, 2023年我国超过70%的人处于亚健康状 态,其中18至45岁的人群占据57%。 1. 理财非存款，产品有风险，投资须谨慎。本文内容不构成买卖任何理财产品的要约或要约邀请。本文中所包含的数据信息及观点等仅供参考，不作为任 何投资建议或收益暗示、承诺及担保。 2. 理财产品过往业绩不代表其未来表现，不构成对任何新发理财产品业绩表现的保证，不等于理财产品实际收益，投资须谨慎。 3. 详细风险揭示及具体理财产品信息， ...

在此背景下，人保寿险最新上线的分红产品"尊越长红养老年金保险（分红型）"清晰可见的三重收益、 N种打开方式满足灵活需求，是值得推荐的养老型保险产品。 保证部分+浮动分红+财富增值三笔保单利益助力资金增长 "尊越长红养老年金保险（分红型）"通过三笔保单利益助力资金增长。 首先，固定的保险责任。养老年金、满期保险金、身故保险金白纸黑字写进合同中，不受公司经营、经 济环境的影响，提供最基础的安全垫和现金流保障。 最近国家卫健部门在发布会上表示，未来五年中国人口人均预期寿命有望达到80岁。当人均预期寿命延 长，新的人生长度需要新的人生规划，养老年金成为了不少人选择应对长寿风险的武器，它将一部分资 金转化为一份生命等长的稳定的现金流。 "尊越长红养老年金保险（分红型）"有多种打开方式。 财富增值。如果暂时没有资金需求，可以用它来进行财富增值。 养老规划。可以用于规划养老，支持月领，也支持年领。如果已经到达退休年龄，还能即交即领，今年 缴费，明年就能领。 财富传承。如果不幸身故，将收到身故保险金，可以用于传承后代。如果在保险期间届满时生存，将收 到一笔满期保险金，既可用于补充养老，也可留着传承后代，实现人在钱就在，人走钱 ...

冯润桓认为，年轻人很容易出现现时偏差（PresentBias），也就是说比较关注眼前的事情，不愿意做长 远的规划。养老准备问题常被认为"很重要但不紧急"，所以有些人的主动规划意识不足。他认为，养老 规划包含几个方面，一是养老金的规划，有足够的钱可以在退休后保持原来的生活品质；二是健康规 划，有没有足够的资金支付医疗的开支，有没有买百万医疗、重疾等健康险产品等；三是传承规划，随 着年龄的增长、身体机能的衰落，需要很多长期护理的医疗服务，这就涉及未来我们的养老资产如何在 有限的晚年合理地分配和使用。 个人养老金产品如何购买 12月初，工商银行将3年期大额存单起存门槛从行业常规的20万元升至100万元，但年利率与50元起存的 普通定存持平，均为1.55%。11月以来，多家国有大行相继下架5年期大额存单，3年期存款产品利率普 遍降至1.5%至1.75%区间，部分中小银行取消3年期、5年期普通定期存款。在存款利率持续下行的背景 下，"钱袋子"如何保值增值，养老规划该怎么做，成为年轻人关注的焦点问题之一。 年轻群体转向分散理财模式 某社交平台理财达人孙女士向北京青年报记者表示，过去大家认为存够100万元，年利4%至5%， ...

北京青年报记者对年轻人的最新理财方式进行了梳理，不难看出，年轻人资产配置有了新变化。 在存款利率持续下行的背景下，"钱袋子"如何保值增值，养老规划该怎么做成为年轻人关注的焦点问题 之一。 编辑/刘忠禹 低利率与长寿化趋势叠加对年轻人的冲击及对传统"储蓄养老"观念的颠覆。年轻人正在更加科学理想的 做好养老规划，主要包括：养老金规划、健康规划、居住规划等。 其中，年轻人养老金规划中，购买货币基金、债券基金、黄金ETF等产品，希望以此在可接受的风险范 围内尽可能地让钱袋子"保值增值"。 文/北京青年报记者 蔺丽爽 ...

Core Viewpoint - The personal pension system, as a crucial part of the "third pillar" of retirement planning, has gained significant traction in China, with over 70 million account holders since its pilot launch in November 2022, and is set for nationwide implementation by 2024 [1][2]. Group 1: Personal Pension System Development - The personal pension system aims to address the growing demand for retirement security among the population [1]. - The number of personal pension account holders has surpassed 70 million, indicating a strong interest and participation in the program [1]. Group 2: Challenges and Opportunities - Common issues include account holders not making contributions, following trends without proper research, and missing tax benefit application deadlines, which complicate retirement planning [2]. - To address these challenges, the China Fund News is launching a series of themed activities titled "New Opportunities for Personal Pensions" to provide clear guidance and support for individuals [2][3]. Group 3: Engagement and Education - The "New Opportunities for Personal Pensions" campaign will be promoted across multiple media platforms, reaching over 12 million users, and aims to simplify retirement planning through interactive engagement [3]. - A large-scale survey is being conducted to gather feedback on personal pension experiences, which will contribute to an authoritative report and facilitate discussions in live broadcasts [6]. Group 4: Investment Guidance - The program "Fund Investors Come" will feature expert discussions on selecting personal pension funds, addressing common concerns and providing practical advice tailored to different age groups and income levels [7]. - The "Fund Talk" special will help individuals understand the value of personal pensions through relatable examples and straightforward explanations [10].