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萬紫千紅·智選址

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個人養老金制度在36地啓動實施

2022-11-26 11:49:23 來源：萬紫千紅不動産評論

人力資源和社會保障部、財政部、國家稅務總局25日發布“關于公布個人養老金先行城市（地區）的通知”，個人養老金制度在北京、上海、廣州、西安、成都等36個先行城市或地區啓動實施。9ic万紫千红企業選址服务

通知明确，先行城市或地区符合条件的群众可自愿参加个人养老金。按照规定，参加人需要开立个人养老金账户和个人养老金资金账户，账户里的资金可购买符合规定的理财产品、储蓄存款、商業养老保险和公募基金等，年缴费上限为12000元。9ic万紫千红企業選址服务

從公布的36個先行城市或地區看，個人養老金試點覆蓋了全國31個省份，大部分省會城市和計劃單列市都被納入其中。9ic万紫千红企業選址服务

2022年4月，國務院辦公廳印發《關于推動個人養老金發展的意見》，標志著個人養老金制度的建立。9ic万紫千红企業選址服务

據介紹，個人養老金是政府政策支持、個人自願參加、市場化運營的補充養老保險制度，屬于第三支柱保險中有國家制度安排的部分，完全由個人繳費，實行完全積累，市場化運行，能享受稅收優惠。相關部門提示，個人養老金采取市場化運營，存在投資風險，參加人需謹慎選擇。個人養老金制度規定，銷售機構要以“銷售適當性”爲原則，做好風險提示，不得主動向參加人推介超出其風險承受能力的個人養老金産品。9ic万紫千红企業選址服务

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