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In addition, in order to promote the preservation and appreciation of pensions, on the basis of existing financial products such as wealth management products, specific pension savings and index funds are included in the catalogue of personal pension products.The individual pension system has been extended to the whole country.Individuals voluntarily deposit a sum of money in a specific account, which does not exceed 12,000 yuan per year, that is, it does not exceed 1000 yuan per month.

The situation varies from place to place, and the above can be used for reference.On December 12th, it was reported that from December 15th, the personal pension system was pushed from the original 36 pilot cities (regions) to the whole country.Maybe it can be understood this way. The personal pension system is a supplement to the old-age insurance. Compared with the old-age insurance for urban and rural residents, it has a wider range of objects, including both non-employed urban and rural residents and urban workers. There is no limit on the payment period; By adopting market-oriented investment operation, you can buy wealth management products, funds, etc., and the rate of return may be higher than that of fixed deposits; It can be tax preferential, which is more clear than the tax on endowment insurance for urban and rural residents; Treatment depends entirely on the accumulation of personal accounts and investment income.

In addition, there are also situations in which you can get it in advance, such as completely losing your ability to work, going abroad to settle down, suffering from serious diseases, receiving unemployment insurance benefits to certain conditions, or receiving the minimum living allowance.In addition, in order to promote the preservation and appreciation of pensions, on the basis of existing financial products such as wealth management products, specific pension savings and index funds are included in the catalogue of personal pension products.Personal pension is operated by a professional and mature asset management institution, which can help the pension assets in the personal pension account realize long-term appreciation. At the same time, the personal pension fund is special, which can help individuals to accumulate compulsorily and better protect retirement.