Group 1 - The article introduces the concept of "Pension Ledger," which helps individuals plan their retirement funds by presenting current pension assets and estimating future pension income [2][3]. - It outlines the three pillars of pension funding: the first pillar is social security pensions, the second pillar includes enterprise or occupational annuities, and the third pillar consists of personal pensions [3][5]. - The article emphasizes the importance of understanding the total pension assets and the estimated monthly pension income from all three pillars combined [3][5]. Group 2 - The article provides a guide on how to experience the new "Pension Ledger" through a QR code for immediate calculation of retirement benefits [2][3]. - It details the potential rewards for individuals who open and contribute to personal pension accounts, including bonuses for first-time deposits and referral incentives [6][7]. - The article promotes specific investment products aimed at enhancing retirement savings, including low and medium-risk funds available through the bank [6][8].

Core Viewpoint - The article emphasizes the importance of personal pension planning, highlighting the benefits of tax deductions and investment opportunities provided by the personal pension system in China [3][4]. Summary by Sections Personal Pension Overview - Personal pensions are a government-supported, voluntary participation system aimed at supplementing retirement insurance, providing individuals with a sense of security for their future [3]. Tax Benefits and Investment Opportunities - Individuals can contribute up to 12,000 yuan annually to their personal pension accounts, which can be deducted from taxable income, potentially saving up to 2,696 yuan in taxes [4]. - Investment returns on personal pension contributions are not taxed until withdrawal, where a 3% tax rate applies [4]. Incentives for Participation - The article outlines various incentives for opening and contributing to a personal pension account, including rewards for first-time contributions and referrals [5][6]. - Specific rewards include 188 yuan for an initial contribution of 500 yuan and 380 yuan for contributions of 10,000 yuan [5]. Investment Products - The article introduces a specific investment product, the "建信优享进取养老目标" fund, which is a mixed fund with a five-year holding period, designed for medium-risk investors [7]. - The fund aims to capture market opportunities while maintaining a solid foundation through diversified asset allocation [7].

Core Viewpoint - The article emphasizes the importance of personal pension plans as a government-supported, voluntary, and market-oriented system that serves as a supplementary function for retirement insurance, providing individuals with peace of mind for their future retirement [3]. Summary by Sections Personal Pension Overview - Personal pensions are designed to enhance retirement security through government policy support and voluntary participation, allowing individuals to invest in a market-driven manner [3]. Tax Benefits - Individuals can enjoy a maximum tax deduction of 12,000 yuan per year on contributions, with investment income not taxed until withdrawal, where a 3% tax rate applies [4]. - The tax structure allows for various income brackets with corresponding marginal tax rates, providing opportunities for tax savings [6][7]. Incentives and Rewards - The article outlines various rewards for individuals who open and contribute to personal pension accounts, including a maximum of 2,696 yuan in benefits for initial contributions [2][10]. - Additional rewards are available for reaching specific contribution milestones, such as 88 yuan for the first deposit and up to 380 yuan for contributions of 10,000 yuan [10]. Investment Products - The article promotes a specific investment product, the "建信优享进取养老目标五年持有混合发起(FOF)Y," which is designed for long-term holding with a minimum period of five years to mitigate short-term market fluctuations [13][14]. - The fund aims to balance equity positions to capture market opportunities while maintaining a solid foundation through fixed income [15]. Fees and Charges - Management and custody fees for the promoted fund are set at 50% of the standard A-class share fees, making it a cost-effective option for investors [16].

Core Viewpoint - The article emphasizes the importance of personal pension plans in China as a crucial part of the pension system, highlighting the benefits and incentives for individuals to participate in such plans [4]. Summary by Sections Personal Pension Overview - Personal pensions are a significant component of China's pension system, supported by government policies, voluntary participation, and market operations, aimed at supplementing retirement insurance [4]. Tax Benefits - Individuals can deduct up to 12,000 yuan annually from their taxable income when contributing to personal pension accounts, with investment income not taxed until withdrawal, which is subject to a 3% tax rate [4]. Incentives for Participation - New account holders can receive up to 2,696 yuan in rewards through various incentives, including: - A maximum of 88 yuan for the first deposit - Up to 188 yuan for reaching a 500 yuan deposit - Up to 380 yuan for a 1,000 yuan deposit - Monthly rewards of up to 2,000 yuan for referring friends [5][6]. Additional Rewards - Special rewards for salary distribution clients and those who set up automatic contributions, with additional bonuses for reaching certain deposit thresholds [6][7]. Investment Products - The article introduces specific investment products designed for retirement planning, including: - A low-risk bond fund (FOF) for one-year holding - A medium-risk mixed fund (FOF) for five-year holding [8].

Group 1 - The article presents various investment products offered by the company, categorized by risk levels and investment strategies [1][2][3][4]. - The "B粥套餐" is a low-risk bond fund aimed at stable returns, suitable for conservative investors [1]. - The "轻食套餐" is a balanced mixed fund with moderate risk, designed for investors seeking a mix of equity and fixed income [2]. - The "麻辣火锅" is an aggressive mixed fund targeting higher returns over a five-year horizon, appealing to risk-tolerant investors [2]. - The "养老目标日期2040" is a mixed fund with a three-year holding period, targeting retirement planning for 2040 [3]. - The "中证500指数增强" is a high-risk fund focused on enhancing returns through index investments [4]. Group 2 - The company promotes various rewards for depositors, including a maximum reward of 568 yuan for certain contributions [5]. - Additional incentives are offered for progressive contributions, with a maximum reward of 88 yuan [5].