支付达标赢好礼,至高抽1998元微信立减 t 2 172 图片自A南助年成 规划 测算 工具 速速码生 球直营 引示了 1167 AULH 建行养老账户 < 养老总资产 (1 退休后预估可领0 社保 亚洲 郎亦在要 个人养老金 其他备老 资金 投当年缴纳12000元个人养老金计算 全年应纳 税所得额 全年应纳 税所得额 全年应纳 96万以上 全年应纳 66-96万 积所得额 42-66万 全年应纳 税所得额 边际积率 全年应纳 30-42元 边际税率 全年应纳 税所得额 4.5% 14.4-30万 祝所得额 边际税率 35% 3.6-14.4万 当年至高 30% 边际税率 0-3.6万 当年至高 TI AR 边际税率 25% 节积 当年至高 5400 20% 边际税率 市祝 4200 当年至高 边际税率 10% 节积 3600 当年至高 3% 节祝 当年至高 3000 节祝 2400 当年至高 1200 市祝 360 * 全年应纳税所得额= init - " 用异老规划工具 快速测算退休收入 美老规划不知道从哪一步开始? 现在,通过养老规划测算工具 只需输入 年龄 品 等基础信息 收入 詞 即可快速测算退休后 ...

国家统计局2025年末数据显示，中国60岁及以上人口占比突破23%，老龄化正在面对从"数量突破"到"结构重 塑"的调整，养老规划已成为家庭财富管理的核心问题。站在"十五五"开局之年，积极应对人口老龄化趋势和社会 结构盘整，不仅是民生保障热议话题，更是关乎国家长远发展的战略性重要任务。 百年人寿保险股份有限公司（下称"百年人寿"）积极响应国家养老保障战略，于2026年2月1日推出"百年好合养老 年金保险（分红型）"（下称"百年好合（分红型）"），以"增额红利+保证领取"双核驱动，为客户提供一份锁定 终身、稳定增值的养老解决方案。 产品亮点：三大吸引力直击养老痛点 "会长大"的养老神器：增额红利让养老金越领越多 年度红利增加累计红利保险金额，形成"领取年金增长"效应。假设40周岁男士投保，6年交，每年保费10万元， 当他60周岁后按照保证利益演示每年可领取约3.3万元；按照红利利益演示*，到他80周岁时，随着累计红利递 增，预计领取金额逐年提升，每年可领取的养老年金约是5.1万以上。 投资能力加持，分红未来可期。百年人寿依托高度专业的投资管理团队及受托管理人，在严守安全与风险底线的 基础上，坚持资产负债匹配基础上 ...

您的年度账单已送达,请会收 图片由AI辅助生成 # # 助您定制富足享老规划 错 TO CO 备老从来不是临近退休才开始 而是贯穿一生的长期规划 无可个人就完全账户 既能享受税收优惠 还可配置四大线专属投资产品 让养老资金在不同年龄阶段发挥更大价值 建信优亭进取养老目标五年持有期混合发起（FOF）Y成立于2023.12.08,自基金成立起至 2024.01.11由姜华独自管理,自2024.01.12至2024.06.26由姜华、姚波远共同管理,自 2024.06.27至今由姚波远独自管理。该基金2024年、2025年上半年净值增长率为12.61%、 24.86%，同期业绩比较基准收益率为11.62%、15.62%。 以上数据来源基金定期报告，统计截至2025.09.30。 风险提示:基金有风险,投资需谨慎。以上基金产品由建信基金发行与管理,代销机构中国建设 银行不承担产品的投资、兑付责任。基金管理人不保证基金一定盈利，也不保证最低收益。基金 的过往业绩并不预示其未来表现,基金管理人管理的其他基金的业绩并不构成基金业绩表现的保 证。建信优享进取养老目标五年持有期混合发起（FOF）为混合型基金中基金,其预期收益及 ...

Group 1 - The article emphasizes the benefits of personal pension plans, highlighting multiple incentives for new contributions in the new year [2][10] - It mentions a tax-deferred policy for personal pensions, allowing individuals to contribute up to 12,000 yuan annually [4] - The potential tax savings from contributions can reach up to 5,400 yuan, depending on the individual's taxable income [3][5] Group 2 - The article outlines various rewards for personal pension contributions, including a maximum of 88 yuan for first-time deposits and up to 380 yuan for annual contributions reaching 10,000 yuan [7][8] - Additional rewards are available for referring friends, with potential earnings of up to 2,000 yuan for successful referrals [8] - The article encourages individuals to start their pension plans now to secure a more stable financial future [10]

Group 1 - The article emphasizes the benefits of contributing to personal pensions, highlighting that individuals can save up to 5,400 yuan annually through tax deductions [1][4] - It outlines various special additional deductions available for taxpayers, including housing loan interest, education expenses, and childcare costs, with specific monthly deduction limits [2][3] - The article mentions a "hidden bonus" for those who contribute to personal pensions, with a maximum annual contribution limit of 12,000 yuan, which can lead to significant tax savings [4] Group 2 - The article provides a breakdown of taxable income brackets and corresponding marginal tax rates, illustrating how contributions to personal pensions can reduce taxable income and thus lower tax liabilities [5] - It discusses investment options available for personal pension funds, including fixed-income products and mixed-asset funds, with specific performance metrics such as annualized returns [7][8] - The article promotes various incentives for new contributors, including cash rewards for initial contributions and referrals, aimed at encouraging participation in the personal pension scheme [10][12]

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]

Core Viewpoint - The 2026 Financial Annual Conference emphasizes the need for improved personal pension product selection and management, advocating for the use of intelligent technologies to enhance service quality and reduce barriers for investors [1][4]. Group 1: Personal Pension Product Challenges - The current landscape features thousands of personal pension products, making selection difficult for consumers [1][4]. - There is a call for commercial institutions to leverage advanced technologies to provide high-quality services at lower costs, thereby simplifying the decision-making process for investors [1][4]. Group 2: Individual Responsibility in Pension Planning - Individuals are identified as the primary responsible parties for their own pensions, and reliance solely on government, enterprises, or families is discouraged [2][5]. - There is a need for individuals to enhance their understanding of pension planning and take proactive steps in their long-term financial strategies [2][5]. Group 3: Solutions for Low Participation Rates - Three solutions are proposed to address the low willingness of young and low-income groups to engage in long-term pension savings: 1. Design systems that consider human behavior, introducing flexible participation mechanisms to lower entry barriers [3][6]. 2. Optimize product selection by implementing default investment options to reduce decision fatigue, allowing professional teams to manage pension funds for consumers [3][7]. 3. Utilize smart technologies to create tools that consolidate pension account information, helping individuals clearly understand their financial status and set savings goals [3][7]. Group 4: Collaborative Efforts for Pension System Improvement - The resolution of pension issues is seen as a gradual process requiring collaboration among government, market, and individuals [6][7]. - Continuous efforts in policy support, product innovation, and awareness enhancement are essential for establishing an effective multi-tiered pension security system to address aging population challenges [6][7].

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].

Group 1 - The article emphasizes the growing concern over aging-related skin issues such as wrinkles and fine lines, highlighting that while skin aging is a natural process, there are methods to delay aging and prevent skin diseases [1] - It cites the "2023 China Sub-health Data Analysis Report," indicating that over 70% of the population in China is in a sub-health state, with individuals aged 18 to 45 making up 57% of this group [1] - The article suggests that young people should develop good lifestyle habits and healthy eating practices to lay a solid foundation for a healthier old age [1] Group 2 - It mentions that as people age, their bodies increasingly rely on their minds and spirits, and learning can enhance brain connections, helping to combat dementia [1] - Maintaining curiosity and a learning mindset is encouraged to adapt to changes in the times and to avoid or delay cognitive decline [1]