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解惑“THEWHITEBOX精选黑与白”-梳理天下新闻

个人养老金制度推THEWHITEBOX精选黑与白行将带来哪些影响?一文解读

来源: 新华每日电讯
2024-12-15 08:22:33

最佳回答

“THEWHITEBOX精选黑与白”个人养老金制度推THEWHITEBOX精选黑与白行将带来哪些影响?一文解读

  近日THEWHITEBOX精选黑与白,人力资源社会保障部、财政部THEWHITEBOX精选黑与白等五部门联合印发《关于全面实施个人养老金制度的通知》。明确自12月15日起,在中国境内参加城镇职工基本养老保险或者城乡居民基本养老保险的劳动者,均可以参加个人养老金制度。税收优惠政策的实施范围从36个先行城市(地区)同步扩大到全国。

  业内人士:将为保险市场带来政策机遇期

  此次在全国范围内推行的个人养老金制度,对于保险行业和老百姓都有什么影响呢?

  业内人士介绍,个人养老金制度在全国范围内实施,将给保险市场带来政策机遇期。

  国民养老保险市场渠道部负责人 王静:各类金融机构将围绕人民群众全生命周期多样化的养老金融需求,构建差异化、多元化产品体系,提供特色化、品质化综合服务,尤其是实现对灵活就业人员、新就业形态人员等的服务覆盖,将进一步激发全社会积极养老意识。

  数据显示,截至本月初,已有27家保险公司推出200多种个人养老金产品方案。在推出更丰富产品的同时,为了更能适应个体差异和社会变化的需求,对老百姓来说也有新变化:

  在个人养老金领取方面,增加了提前领取的情形。

  此外,老百姓购买也更方便,不仅鼓励支持商业银行销售全类型个人养老金产品,同时,还要求商业银行简化线上购买商业养老保险产品的程序,提升线上购买的便捷性。

  指数基金纳入个人养老金投资范围

  此次印发的《通知》明确提出,将特定养老储蓄、指数基金纳入个人养老金产品目录。有哪些基金产品新纳入?这些产品具有哪些特点呢?

  证监会将首批85只权益类指数基金纳入个人养老金投资产品目录,其中:

  跟踪各类宽基指数的产品78只

  跟踪红利指数的产品7只

  这些纳入个人养老金可投的新产品涵盖了沪深300指数、中证500指数、中证800指数等核心大宽基指数,也覆盖了上证50指数、科创板50指数等单市场、跨市场指数。

  另外,专家表示,指数基金通常费率较低,能够降低投资成本,在长期投资中放大复利效应。而且指数基金透明度高,投资者可以清楚地了解其持仓和表现,对于养老资金管理而言,能够增强投资者的信任感。

  广发基金市场总监 赵铁龙:在这里也提醒大家,个人养老金每个人的年收益是不一样的,涉及个人选择,每年都可以换产品。但是基金、银行理财都是不承诺保本的,大家还是要根据自己的风险承受能力投资。

  (总台央视记者 杨理天 沙千)

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