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个人养老金:免税优惠虽好,需注意这3点再积极参与?
Sou Hu Cai Jing· 2025-08-05 09:53
Core Viewpoint - The introduction of the personal pension plan is a strategic response to an aging society, allowing each worker to contribute up to 12,000 yuan annually into a dedicated personal pension account, with tax incentives to encourage participation [3][4]. Tax Benefits and Implications - The State Taxation Administration offers tax deductions for contributions, allowing workers to deduct the maximum 12,000 yuan from their taxable income, thus increasing their after-tax income [3][4]. - Withdrawals from the personal pension account incur a 3% personal income tax on both principal and earnings, contrary to common belief that only earnings are taxed [4][6]. Income Group Analysis - High-income individuals (annual income ≥ 300,000 yuan) benefit significantly, saving between 2,400 to 5,400 yuan in taxes annually while only paying 360 yuan upon withdrawal, resulting in substantial net gains [9]. - Middle-income individuals (annual income between 100,000 to 300,000 yuan) can save 1,200 to 2,400 yuan in taxes, but must balance short-term liquidity needs with long-term retirement planning [9]. - Low-income individuals (annual income < 100,000 yuan) may face a situation where they end up paying more tax upon withdrawal, making the pension plan less beneficial for them [6][9]. Investment Options - Funds in the personal pension can be allocated to four types of financial products: personal pension deposits, pension wealth management plans, pension fund products, and pension insurance products [11]. - Investment products like pension wealth management plans and pension funds are not guaranteed and may lead to capital loss, which could undermine the purpose of retirement funding [11]. - Insurance products, particularly annuity and increasing whole life insurance, are recommended for their stability and cash flow benefits, serving as a core component of retirement planning [11].
银行渠道的过去和未来(一):银保渠道不同发展阶段的行业年度保费
13个精算师· 2025-06-10 06:33
中国的银行保险从1 9 9 6年开始起步。银保产品一直以趸交为主,到2 0 0 7年银保渠道的 新单保费已经超过了所有其他渠道新单保费之和。从2013年到2016年,银保总保费占 寿险行业总规模保费的一半,近几年降到30%左右。最近三年,银保期交保费也逐步赶 上了个险渠道,越发显示出其重要性。 在第一部分,首先回顾了银保业务发展的六个阶段,从2024年开始,进入"报行合一"的 全新阶段。我们汇总了全行业银保新单保费和期交保费数据,另外我们将寿险公司分为 六组,也汇总了每组的保费数据。 在第二部分,我们展示了7 6家寿险公司过去十五年的新单保费和40家大中型公司的行业 排名。我们用亿元做单位,数字0表示保费小于0.5亿元。 这篇文章《银保渠道的过去和未来》是我最近写的研究报告,主要内容分为三个部分在 这里连载。2 0 2 2年初在研究银保渠道时,我选了15家以银保为主并且规模较大的公司, 分为两组,分别称为银保七雄和八大金刚,并且将所有做银保的寿险公司分为六大类, 这种分类对分析银保保费的变化和趋势有很大帮助。 二、2005到2012年 正常增长的时代 根据不完全统计,2005年银保渠道的总保费为9 5 2亿, ...