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#人民奖金百问百answer# The personal pension system has been implemented in 36 leading cities or regions including Beijing, Shanghai, Guangzhou, Xi’an, and Chengdu. For ordinary people, personal pensions can be used as an important source of supplementary social pensions. After everyone retires, compared with social pensions that only guarantee basic living, personal pensions can increase the source of retirement income and provide more guarantees for post-retirement life. So how should we view the personal pension system? And how to choose a personal pension product that suits you? In this issue, we invite @天红奖饮金to be a guest snowball interview, and talk to you about the value and significance of personal pensions. Welcome to bring #人癫痫治疗癫痫要怎么治疗n pension 100 questions 100 answers# to ask questions on the interview page!
Interview Text:
Carbon neutrality will definitely be achieved Q: Can I buy a pension fund FOF and switch to another fund? What is the rate of return on pension FOF investment? #人民奖金百问百answer# Tianhong Pension A: Hello, thank you for your question.
The pension FOF held can be redeemed after the specified period of holding, and then other pension FOF can be purchased. For example, our Tianhong Yongyu Balanced Pension FOF with a three-year holding period is a three-year holding period. After subscription, it must be held for three years before it can be redeemed. If you don’t redeem it, you will always hold the FOF.
Different types of pension FOF have different risk and return characteristics. Generally speaking, for pension FOFs with 1-year, 3-year, and 5-year holding periods, the proportion of equity assets should not exceed 30%, 60%, and 80% respectively, and the expected returns and risks are low, intermediate, and high, respectively. In terms of actual operation, the average annualized rate of return for pension FOFs that have been established for three years is between 4% and 9%. $ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Carbon neutrality will definitely be achieved Q: I read that some people say that personal pensions are more suitable for high-income people who are nearing retirement. If they are young and low-income people, they have no value in deducting personal tax, and they cannot be withdrawn. is that so? Who is most suitable for investing in personal pension funds? #人民奖金百问百问# Tianhong Pension Answer: People of different ages and incomes, due to different accumulation time periods and different applicable personal income tax rates, the benefits obtained through personal pension accumulation will be very different .
High-income groups approaching retirement have clearer pension needs, and the adaptability of the personal pension system is better. For young people with low incomes, we suggest looking at the accumulation of personal pensions from a dynamic and long-term perspective. On the one hand, young people grow up fast, and their income increases relatively quickly. After working for a few years, their income may increase significantly and a higher tax rate will apply. At this time, the tax benefits will be obvious, but then they will Starting to invest may be a challenge with having ample retirement savings at the point of retirement. On the other hand, personal pensions adopt a closed operation design and can only be received after retirement, in order to encourage people to invest for a long time and obtain compound interest brought by time. The younger you are and the earlier you participate, the more compound interest you may be able to enjoy, and the more secure your retirement life will be.
Therefore, the policy encourages everyone to actively participate in the personal pension policy. Through independent accumulation, they are responsible for their own pension life.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
My sister, Baoer, asks: Are all personal pension funds closed funds, and how long is the shortest closed period? Tianhong Pension Answer: Your question involves two small issues, (1) the closing period of personal pensions; (2) the closing period of public funds that personal pensions can invest in.
Let me talk about the first question first: personal pension, in fact, is that the investor pays the fund into the “personal pension fund account” opened in the bank. Once the money is paid into this fund account, it can only be withdrawn for use after retirement, or it can be withdrawn in advance under special circumstances, such as when the participant is completely incapacitated or goes abroad (territory) to settle down.
The second question: After the funds are paid into the personal pension fund account, this part of the funds can be invested in some public funds. At present, it is mainly the pension target fund Y share, that is, the pension FOF Y share. This type of pension FOF generally sets a “holding period” clause, such as a 1-year, 3-year, or 5-year holding period. After the purchased shares are confirmed, they must be held for the “full holding period” before they can be redeemed. The minimum holding period is a product of 1 year.
My sister Baoer asked: Where can I buy personal pension products? Tianhong Pension A: The public funds that personal pensions can invest in can be purchased through bank channels, third-party institutions, and direct sales channels of various fund managers, but you must pay attention to using a specially opened [personal pension fund account] when purchasing . $ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Questions from Yuanyuan Donut : 1. Can I change the opening bank for my personal pension fund account? 2. Do all personal pension accounts invest in closed funds? Answer from Tianhong Pension : 1. Personal pension fund account, under the current policy, the account opening bank cannot be changed.
2. Individual pension accounts can invest in pension target fund Y shares. This type of share is set with a holding period, such as 1-year, 3-year, and 5-year holding periods. After the purchased shares are confirmed, they must be held for the “full holding period” before they can be redeemed. The minimum holding period is a product of 1 year.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
嘿嘿嘿嘿嘿嘎吹Q: Will there be any loss situation ? Tianhong Pension Fund A: It is possible to lose money when investing in public funds. Public funds, including pension FOF, do not guarantee capital and income, may suffer losses, and the net value of the fund will be subject to fluctuations in the securities market. It is also recommended that investors fully consider their own risk tolerance when purchasing, rationally judge the market, and make investment decisions cautiously. $ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
嘿嘿嘿嘿吹听Q : Will there be more fund products that can be purchased in the future? Celestica Pension A: In the future, the public offering fund products that individual pension funds can purchase will continue to increase.
On the one hand, if the newly issued pension FOF meets the provisions of the “Interim Regulations on the Management of Personal Pension Investment Publicly Offered Securities Investment Fund Business” on “Personal Pension Investable Fund Products”, that is, “the scale at the end of the last four quarters is not less than 50 million yuan or not less than 200 million yuan at the end of the previous quarter”, you can apply to the relevant supervision to enter the personal pension fund directory.
On the other hand, with the continuous liberalization of regulatory policies in the future, stock funds, hybrid funds, bond funds, funds of funds and China Securities Regulatory Commission’s Other funds specified in the Regulations may also be included in the directory of personal pension funds.
Investors can inquire about public funds that individual investors can invest in through official channels such as the website of the China Securities Regulatory Commission and the website of the Asset Management Association.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Homeyy asked: When receiving a personal pension, you need to pay 3% tax, so do you need to pay both the principal and interest at these tax rates? Is this taxable in addition to the principal investment income? Tianhong Pension Answer: According to the “Announcement on Personal Income Tax Policies Concerning Personal Pensions” issued by the Ministry of Finance and the State Administration of Taxation, in the receiving process, the personal pensions received by individuals are not included in the comprehensive income, and the tax rate is 3% alone. Calculate and pay personal income tax, and the tax paid is included in the “wage and salary income” item. Therefore, the principal and investment income at the time of payment are combined and taxed at 3%.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Red Unicorn triple-speed question: What are the advantages and disadvantages of personal pensions compared with bank wealth management? Tianhong Pension Answer: Under personal pension, you can invest in pension wealth management and pension public funds (that is, pension FOF Y share).
Compared with pension financial management, there are more types of pension FOF, which can meet the needs of more investors.
Pension FOF includes target date funds and target risk funds. The target date fund is a one-stop pension investment product specially set up according to the retirement age of different investors. Products designed for the crowd. Target risk funds, including stable type, balanced type, and active type. The expected risk and return of the three types of target risk products increase sequentially. For example , $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$ is a Balanced product.
Investors can independently choose pension target funds based on their retirement age and risk preference.
Wanjiidol asked: Is there a limit to the total amount of personal pension if you choose to receive it on a monthly basis? The upper limit for paying is 12,000 per year. Is it still the amount of the principal when receiving it? Thank you Tianhong Pension A: When you receive it, the total amount is the total asset value in your personal pension account. That is, the total amount received depends on the principal you paid during the payment period and whether you purchased related products (pension savings, pension insurance, pension financial management, pension target funds). If you purchase endowment insurance, the amount you receive depends on the amount of protection agreed in the corresponding insurance contract. If you are purchasing pension savings, pension financial management, or pension target funds, the total amount you can receive depends on the investment principal and specific returns.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Teruila asked: The funds in the personal pension account can be used to purchase qualified financial products, savings deposits, commercial pension insurance and public funds, etc. Can you explain the difference between these four? How to control the risks of the three products of wealth management products, commercial pension insurance and public funds? Celestica Pension Answer: Four types of products can meet pension needs with different risk-return requirements.
Personal pension savings are issued by commercial banks and have the characteristics of “guaranteed principal and income”. However, in the long run, the expected rate of return is low and the investment period is long, including four levels of 5 years, 10 years, 15 years and 20 years, which are suitable for risk tolerance The least capable customers.
The main issuer of commercial pension insurance is an insurance company. Its investment period is long, which can reach several decades. At the same time, it provides a minimum guaranteed interest rate, mainly aimed at the need to protect longevity risks.
Pension wealth management products are issued by bank wealth management subsidiaries and need to be held for more than 5 years. They mainly adopt a stable investment strategy and design an income smoothing mechanism to reduce the risk of net worth fluctuations. They are suitable for customers with low risk tolerance.
The issuers of pension target funds are public fund companies. Product investment adopts the form of FOF, focusing on asset allocation to diversify risks and realize long-term appreciation of assets. The holding period is set to 1 year, 3 years, and 5 years, corresponding to the highest equity ratio of 30%, 60%, and 80%, respectively. The risk-return level is slightly higher, and it is more suitable for taking certain risks and having a certain demand for long-term income. pension investors.
Investors can choose products that suit them according to their risk tolerance and preferences.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Xingxue asked: #人民奖金百问百answer# Can unemployed people participate in personal pension account opening? Celestica Pension Answer: Anyone who has paid the basic endowment insurance (including the basic endowment insurance for urban employees or the basic endowment insurance for urban and rural residents) is eligible to participate in personal pensions.
Cognitive technical question: I feel that this is a preferential policy for people with a monthly income of more than 15,000, and it has no effect on people with a monthly income of less than 10,000. Tianhong Pension : Regarding the issue of personal pension, it is suggested not only to look at the feature of tax incentives, but also to pay more attention to its feature of encouraging long-term accumulation. The personal pension account hopes that through closed operation, it can only be received after retirement. Through special funds, participants can really invest this part of the funds accumulated in the pension for a long-term, so as to better obtain long-term benefits. Therefore, the ultimate goal of this policy is to help residents better accumulate personal pension reserves.
$ Tianhong Pension 2035 Three Years (FOF) Y(F017268)$ $ Tianhong Yongyu Balanced Pension Three Years (FOF) Y(F017355)$
Involved stock:
$Tianhong Pension 2035 Three Years (FOF)(F007748)$ $Tianhong Pension Target 2030 One-Year Holding Hybrid Launch (FOF)(F013571)$ $Tianhong Pension 2035 Three Years (FOF)Y(F017268)$ $ China Pension 2045 three-year holding mixed (FOF) A(F006620)$ $Southern Pension 2035(FOF)A(F006290)$
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