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社评“哈昂哈昂哈昂动图MBA智库”-知识课堂

个人养老金哈昂哈昂哈昂动图MBA智库制度推向全国 一文了解有哪些优惠

来源: 潇湘晨报
2024-12-17 06:31:42

最佳回答

“哈昂哈昂哈昂动图MBA智库”个人养老金哈昂哈昂哈昂动图MBA智库制度推向全国 一文了解有哪些优惠

  个人哈昂哈昂哈昂动图MBA智库养老金制度今起推向全国 一哈昂哈昂哈昂动图MBA智库文了解有哪些优惠?

  个人养老金制度从今天(12月15日)起在全国全面实施。什么是个人养老金?有哪些优惠?来看解读报道。

  我国的养老保障体系包括三部分:

  一是基本养老保险,是我们退休后生活的基本保障。

  二是企业年金和职业年金。

  三是个人养老金和商业养老。这是个人为提高自己老年生活品质提前做的准备,个人养老金和商业养老产品的不同之处是有政策支持,可以享受更多的税收优惠。

  目前,个人养老金每年的缴存上限是12000元。这部分钱转入个人养老金账户后,在第二年计算个人所得税的时候,是可以扣除的。

  举个例子,小张去年的收入,在扣除免征额、专项附加扣除等等以后,应纳税所得额是5万元,对应的个税税率是10%。如果他把其中12000元存入了个人养老金账户,那么他需要缴税的收入就变成了38000元,缴纳的个人所得税就会减少。

  小张存到个人养老金账户里的12000元,要到等他退休后,领取个人养老金的时候,才需要纳税,税率是3%。如果小张每年都转入12000元个人养老金的话,累积下来,税收优惠也是不少的。

  资金转入个人养老金账户以后,可以选择储蓄,也可以买养老理财、养老保险、养老基金等投资产品。既然是投资产品,收益就是和风险挂钩的,大家可以根据自己的风险承受能力来选择。不过,被纳入个人养老金投资标的的产品,会受到更加严格的监管。

  一般来说,个人养老金需要等到退休后才能领取。但是也有几种情况是可以提前支取的,包括完全丧失劳动能力、出国定居,以及患重大疾病、领取失业保险金达到一定条件,或者正在领取最低生活保障金等。

  两年前,个人养老金制度在北京等36个城市或地区开始试点,到今年11月底,已有7000多万人参与。这次推向全国,是我国个人养老金制度的进一步完善,也让更多的人能够有计划地为自己的养老做好规划。(来源:央视新闻客户端)

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