支付达标赢好礼,至高拍1998元微信立减金 8/8/ 节税未班车 Alth Hip 取分以耗益, 全年最高可省 5400元 914-90 当您忙着 12.12比价、凌满减时, 别忘了,还有一笔最高 54 00元的 "隐形补贴" 也即将过期! 、冲刺省脱未班车 最高亚省5400元 12月31日前 -起看看您的"省税红包"有多大 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 税所得额 全年应纳 96万以上 税所得额 全年应纳 66-96万 税所得额 42-66万 全年应纳 税所得额 边际税率 全年应纳 30-42万 边际税率 45% 税所得额 全年应纳 14.4-30万 边际税率 35% 稅所得额 3.6-14.4万 当年至高 30% 边际税率 0-3.6万 节祝 当年至昌 25% 边际税率 节积 当年至高 5400 20% 边际税率 节祝 4200 当年至高 边际税率 10% 3600 当年至高 节积 3% 节祝 当年至高 3000 节祝 2400 品年至高 1200 节税 360 * 全年应纳税所得额= 综合所得金额-专项扣除3-基本扣除(6万元)-专项附加扣除-其他扣除3, 1专项扣除 ...

Core Viewpoint - The article emphasizes the importance of retirement planning and the various financial products available to help individuals prepare for their retirement, highlighting the role of the bank's services in simplifying this process [3][4]. Group 1: Retirement Planning Services - The bank offers a comprehensive "hexagonal" retirement planning service that includes wealth management, policy consultation, account opening, and asset allocation guidance [4]. - The service aims to assist clients in understanding retirement policies, opening tax-advantaged accounts, and selecting suitable financial products [4]. Group 2: Financial Incentives - The bank provides various incentives for clients who open and contribute to personal pension accounts, including rewards for first-time deposits and annual contributions [9][10]. - Clients can earn up to 380 yuan in rewards for initial contributions of 10,000 yuan and additional bonuses for referring friends [10]. Group 3: Client Engagement - The bank encourages clients to build their "retirement fund pool" gradually, emphasizing the importance of consistent contributions to ensure financial security in retirement [7]. - The article promotes the idea of personalized service through dedicated client managers who assist in retirement planning [5][12].

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].