Clear!Sichuan will try personal pensions

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Sichuan Province will be deployed in accordance with the national unified national

Start personal pension trial work in a timely manner

At present, Sichuan is studying and determining the city first

In the future, it will be gradually promoted according to the implementation of advanced implementation

Ensure that the personal pension system is implemented in Sichuan

Why do you want to carry out personal pension pilots?

Personal pension and the current basic pension insurance for urban employees

What are the differences and connections between urban and rural residents' basic endowment insurance?

Personal pension system implementation

Will government care responsibility be reduced?

Let's take a look at the executive director of the Chinese Social Security Society

Hu Qiuming, a professor at the School of Public Management of Southwest University of Finance and Economics

Related answers

Q

What is personal pension?

A

Personal pensions are supplemented by basic pension insurance. On April 21 this year, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pensions", which clearly put forward the pension insurance system for personal pensions as government policy support, voluntary participation, and market -oriented operations. It is an important part of the multi -level and multi -pillar endowment insurance system in my country. Personal pensions implement a personal account system, and the payment is fully borne by the participants, and it is fully accumulated. Whether to pay personal pensions will be voluntarily selected by individuals.

Q

What are the benefits of participating in personal pensions?

A

The most direct advantage of individuals to participate in the personal pension system is that they can enjoy preferential tax policies. Although the specific tax preferential policies of personal pensions have not been announced, it is certain that the participants pay the personal pension within 12,000 yuan each year. After retiring, personal pensions from personal accounts can enjoy certain tax preferential policies.

Secondly, for urban and rural residents who do not have the opportunity to participate in corporate annuity and occupational annuity, personal pensions may explore a feasible method that connects with basic pension insurance and enterprise (occupational) annuity, adding a channel for urban and rural residents to supplement pension.

Finally, the personal pension fund account is closed during the payment stage. Only the personal payment and investment income continues to be rolled in the account. Participants can only be collected when they arrive at the age of the basic pension. In this way, personal pensions can help participate in people's rational arrangement of personal pension planning from institutional arrangements, reasonably adjust consumption in the life cycle -savings structure, reasonably choose investment products and investment periods to avoid advanceding in advance, so as to achieve lifelong consumption in life. smooth.

Q

Who can participate in personal pensions?

A

Workers participating in the following two types of insurance in China can voluntarily participate in the personal pension system: first, workers who participate in the basic endowment insurance of urban employees; the other is workers who participate in the basic pension insurance of urban and rural residents.

Q

What should I do to participate in personal pensions?

A

Participating in personal pensions requires two accounts: one is to establish my personal pension account through the personal pension information management service platform organized by the Ministry of Human Resources and Social Security; Fund capital account.

The above two accounts are the only corresponding to each other. Participants can open a number of channels such as the national social insurance public service platform, the national human -social government service platform, the electronic social security card, the palm 12333, and the commercial bank. Among them, they can also open these two accounts through commercial bank channels.

Q

How to pay for personal pensions?

A

Participants can independently choose to pay in accordance with regulations, so that they can pay at any time, pay more money, and pay less money. At present, the maximum limit for participants to pay personal pensions each year is 12,000 yuan. The Ministry of Human Resources and Social Security and the Ministry of Finance will adjust the upper limit of the payment in a timely manner in a timely manner in accordance with the level of economic and social development, multi -level, and multi -pillar pension insurance system development.

Participants have reached the age of basic pensions, fully losing their labor ability, settlement of abroad (border), or other situations that meet the state stipulated. Essence After the participants died, the balance assets in their personal pension funds can be inherited.

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