Regarding personal pensions, this conference is very informative! – 上海后花园论坛,上海419论坛,上海夜生活论坛

Policy q&a

The State Council Press Office held a routine briefing on the State Council policy on April 25th, introducing the Opinions of General Office of the State Council on Promoting the Development of Personal Pension. What is the background of the introduction of individual pension system? How to open an account and how to collect it? Come and pay attention together!

Q: What is the background of the introduction of the individual pension system?

A: The central government clearly requires that we should base ourselves on China’s basic national conditions and learn from international experience, and strive to build a "three-pillar" old-age insurance system based on basic old-age insurance, supplemented by enterprise annuity and occupational annuity, and connected with personal savings pension insurance and commercial pension insurance.

The first pillar is basic old-age insurance, including basic old-age insurance for urban workers and basic old-age insurance for urban and rural residents. The first pillar is mainly based on the basic protection, and adopts the mode of combining social pooling with personal accounts, which mainly reflects social mutual aid. At present, the development of this system is relatively perfect, and it has a relatively complete system, and its coverage is also expanding continuously. At the end of March, the number of people participating in the basic old-age insurance reached 1.03 billion, and the annual income and expenditure of the basic old-age insurance fund reached 12.6 trillion yuan, with a cumulative balance of more than 6 trillion yuan. The fund was generally stable and the benefits were paid in full and on time.

The second pillar is enterprise annuity and occupational annuity, which mainly play a supplementary role and are established by employers and their employees, and have a good foundation for development. By the end of March, there were 72 million employees participating in enterprise annuities and occupational annuities, and the accumulated fund was 4.5 trillion yuan, which initially showed the role of supplementary pension.

The third pillar, there was no corresponding institutional arrangement before this. In accordance with the decision-making arrangements of the CPC Central Committee, the State Council officially issued a document a few days ago, which initiated the implementation of this policy. It should be noted that the personal pension is the institutional arrangement of the country on the third pillar, which includes other personal commercial pension financial services besides the personal pension.

Q: What is the difference between individual pension system and basic pension insurance, enterprise annuity and occupational annuity?

A: The personal pension system is different from the basic old-age insurance. The basic old-age insurance is enforced by the state, and the personal pension is voluntarily participated by individuals. Unlike enterprise annuities and occupational annuities, which are established by employers and their employees and paid jointly, personal pensions are only paid by individuals.

Q: What are the benefits of participating in the personal pension system?

A: 1. The most direct benefit of individuals participating in the personal pension system is that they can enjoy preferential tax policies.

2. The first pillar of basic old-age insurance is to ensure basic living, and the second pillar of enterprise annuity and occupational annuity is established by the unit and plays a supplementary role in providing for the aged. Now the personal pension has been increased, which not only adds a supplementary pension channel for those who participate in the second pillar, but also adds a supplementary pension channel for those who do not participate in the second pillar.

3. It can help individuals to rationally plan pension funds. In the payment stage, you can only get in and out. Personal contributions and investment income are accumulated in the account, and you can get it when you reach the age of receiving basic pension. That is to say, it helps participants to firmly export personal pension from the system, which is helpful for individuals to rationally plan pension funds, rationally choose investment products and investment periods, and avoid early withdrawal, thus effectively playing the role of supplementary pension.

Q: Who can participate in the personal pension system?

A: No matter what kind of employment form employees are, that is, whether they are employed by the unit or flexible employees, they are not restricted by the employment area and household registration. As long as individuals voluntarily participate in this system, their rights and interests will not be affected when they move across provinces and regions.

Q: What’s the mode of participation?

A: Participants decide whether to participate in the whole course or in part of the year. As long as the initial stage does not exceed the annual payment limit of 12,000 yuan, participants can decide how much to pay, which can be paid in one lump sum or in installments this year.

Q: How to open an account for personal pension?

A: To participate in personal pension, you need to open two accounts: one is to establish a personal pension account on the information platform for information recording, inquiry and service; The other is a personal pension fund account opened or designated in a bank for payment, purchase of products, collection of income, etc. These two accounts are unique to each other, and participants can open them in national social insurance public service platform, national people’s social government service platform, electronic social security card, "Pocket 12333", commercial banks and other channels. Among them, through the channels of commercial banks, both accounts can be opened at one time.

Q: How to invest personal pension?

A: Participants can choose bank wealth management, savings deposit, commercial endowment insurance, Public Offering of Fund, etc. according to their different preferences, and they can also combine them in the short, medium and long term. All these operations can be completed in the fund account, and there is no need to go to multiple departments and institutions.

Q: How to get a personal pension?

A: When the participant meets the conditions for collection, he can choose to collect it monthly, in installments or at one time. The commercial bank will transfer the funds from the personal account to the participant’s personal social security card bank account according to the personal choice. Under special circumstances, such as total loss of working ability, going abroad to settle down, etc., you can also receive it.