个人养老金投资于2022年末开始在部分城市试点，2024年12月底推广至全国。公开数据显示，截至目前，个人养老金开户人数已一路攀升至超1.5亿。 临近年末，年度个人养老金缴存进入收官倒计时，金融机构纷纷加大营销力度，开启年底冲刺。 个人养老金是我国多层次养老保障体系的重要组成部分，其"缴费税前扣除、投资收益暂不征税、领取环节低税率"的税收优惠政策，已成为居民优化个 税、补充养老储备的重要选择。 银行花式营销 从开户到缴存，银行们纷纷设置阶梯式奖励，以真金白银的优惠吸引客户完成个人养老金年度缴存，助力居民锁定个税优惠与额外权益。 此外，各家银行还推出差异化产品和全流程服务升级，推动养老金融市场从粗放营销迈向精细化运营。 银行们针对个人养老金缴存的优惠呈现阶梯化和差异化特征， 覆盖不同缴存能力客群。"愉见财经"根据媒体报道整理了部分，例如： 中信银行推出"达标礼赠"福利活动：10月1日至11月30日，首次开户达标可参与抽奖，最高获366元微信立减金，缴存达标可再抽最高188元立减金，两档 福利叠加至高可领554元。 超98%基金Y份额实现正收益 工商银行在12月1日至31日推出"首开首缴享好礼"与"累计缴存礼上礼 ...

2025年即将结束，个人养老金投资的年度抵税优惠额度缴纳期限，进入倒计时。 券商中国记者了解到，基金公司近期向投资者发出"1.2万元缴存额度即将清零"提醒，不同年龄段的养老金投资者，也在近期根据自身情况进行了账户操作。有公募从 业者往养老金账户存入1.2万元，以在明年申报个税扣除；还有刚于今年退休的金融高管，把此前存的两期本金带利息（24384元）一并取出。 该高管对券商中国记者表示，384元的养老金利息比一般定期存款利率高一些，但收益算不上明显。他开户的银行没有公募基金Y份额产品，他存入资金买的是银行养 老储蓄产品。而受益于年内A股行情，逾98%基金Y份额产品年内实现正收益，最高收益率超60%。分析人士认为，从长期来看，养老金投资依然应遵循分散原则，目 前可投的金融产品已日趋丰富，投资者应根据产品风险收益特征、产品费率、自身年龄、收入等情况综合考虑。 最多可省5 4 0 0元 从券商中国记者了解的情况来看，不同年龄段的养老金投资者，在年底都根据自身情况进行了账户操作。北京一位公募从业人士对券商中国记者表示，和往年一样， 他近期往养老金账户了存了1.2万元，把额度都用上了。他表示，这笔退税虽然不高，但确实是一 ...

Core Insights - The personal pension system has shown significant results in its three years of implementation, becoming an important pillar of the multi-tiered pension security system in China [1][2][3] - The system has positively impacted individuals, financial institutions, and capital markets, establishing a mature framework of "policy guidance + market operation" [2][3] - Public funds have played a crucial role in the personal pension sector, contributing to product innovation and performance support, thereby promoting long-term investment strategies [5][6] Group 1: System Implementation and Impact - The personal pension system has expanded the participant base significantly, providing a crucial supplement to the first and second pillars of pension security [3][4] - The introduction of tax incentives, such as a pre-tax deduction limit of 12,000 yuan per year, has provided tangible benefits to participants [3][4] - The system is expected to introduce more stable, long-term capital into the market, aligning with national policies aimed at increasing medium to long-term funds in the market [3][4] Group 2: Public Fund Contributions - Public funds are identified as the core vehicle for the personal pension system, with a focus on low fees and long-term assessments to reduce costs for investors [5][6] - The public fund industry has developed a diverse product line that meets various risk preferences and age groups, enhancing the appeal of pension investment [6][7] - The high proportion of rights in public fund Y shares is advantageous for long-term investment, allowing investors to benefit from the growth of listed companies [7][8] Group 3: Performance and Growth - Personal pension funds have experienced significant performance recovery, with an average net value increase of over 15% this year, and the total scale of Y shares reaching 12.405 billion yuan, a 35.7% increase from last year [8][10] - The number of personal pension funds has continued to grow, with 302 funds reported by the end of September, including new products launched in the third quarter [12][13] - Over 98% of personal pension funds have achieved positive returns since inception, with nearly 20% of products seeing net value increases exceeding 20% [10][12] Group 4: Challenges and Future Directions - Despite the growth in account openings, actual contribution rates remain low, indicating a need for improved investor education and product innovation [18][19] - The industry faces challenges in enhancing investor participation, particularly among low to middle-income groups, due to perceived complexity and limited appeal of tax incentives [19][20] - Future innovations in the personal pension sector are expected to focus on product segmentation, strategy upgrades, and enhanced service offerings to transition from single investment products to comprehensive pension solutions [21][22]