On the 25th, the Ministry of Human Resources and Social Security announced
The personal pension system was launched
In 36 leading cities or regions including Beijing, Shanghai, Guangzhou, Xi'an and Chengdu
Through the National Social Insurance Public Service Platform, the National Human Resources and Social Security Government Service Platform, and the electronic social security card
"Handheld 12333APP" and other national unified online service portals or channels such as commercial banks
Create a personal pension account
Open a personal pension fund account through a commercial bank
After the two accounts are opened
You can pay to the fund account and purchase personal pension products
The upper limit of annual payment is 12,000 yuan, and the payment can enjoy tax concessions
Purchases include savings deposits, wealth management products, commercial pension insurance and public funds, etc.
Specific financial products are determined by financial regulatory authorities
And will announce the list of products
Personal Pension is Different from Basic Pension Insurance
It is a supplementary pension insurance system supported by the government, voluntarily participated by individuals, and market-oriented.
The first batch of financial institutions to start personal pension business include
6 large state-owned commercial banks, 12 joint-stock banks
5 city commercial banks, 11 wealth management companies
14 securities companies, 7 independent fund sales agencies, 6 insurance companies, etc.
Participants reach the basic pension age
Or completely lose the ability to work, go abroad (territory) to settle down, and other situations that meet the requirements of the state
to receive a personal pension
after the death of the participant
Assets in their personal pension funds account can be inherited
Reporter: Jiang Lin