仙桃人一定要看，最高12000元！个人养老金制度来了
<div class="wx_rich_media_content" id="jsWxContainer"><section style="outline: 0px; line-height: 1.6em; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; margin-bottom: 0.75em;" data-mpa-powered-by="yiban.io"><br></section><section style="text-align: center;"><strong><span style="color: rgb(61, 170, 214);">个人养老金</span></strong></section><section style="text-align: center;">又被称为养老第三支柱</section><section style="text-align: center;">与<strong><span style="color: rgb(61, 170, 214);">基本养老保险、企业（职业）年金</span></strong></section><section style="text-align: center;">共同组成我国养老保障体系的“三大支柱”</section><section style="text-align: center;">今天（4月21日）</section><section style="text-align: center;"><span style="color: rgb(61, 170, 214);"><strong>国务院办公厅发布</strong></span></section><section style="text-align: center;"><span style="color: rgb(61, 170, 214);"><strong>关于推动个人养老金发展的意见</strong></span></section><section style="text-align: center;">哪些人可以参加个人养老金制度？</section><section style="text-align: center;">缴费多少？</section><section style="text-align: center;">如何参加？</section><section style="text-align: center;"><span style="letter-spacing: 2px; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-indent: 2em;">为您梳理《意见》要点</span></section><section style="text-align: center;"><span style="letter-spacing: 2px; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-indent: 2em;">↓</span><span style="letter-spacing: 2px; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-indent: 34px; margin-bottom: 0em;">↓↓</span></section><section style="font-size: 16px;margin-bottom: 0em;"><section powered-by="xiumi.us" style="margin-bottom: 0em;"><section style="margin-top: 10px;margin-bottom: 10px;display: flex;flex-flow: row nowrap;"><section style="display: inline-block;width: auto;vertical-align: middle;line-height: 2;flex: 100 100 0%;align-self: center;height: auto;margin-bottom: 0em;"><section powered-by="xiumi.us" style="padding-right: 26px; padding-left: 26px; letter-spacing: 1px; font-size: 17px; margin-bottom: 0em;"><p style="margin-bottom: 0em;"><span style="font-size: 20px; margin-bottom: 0em; background-color: white;"><strong style="margin-bottom: 0em;"><font color="#4169e1">哪些人可以参加？</font></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="padding: 5px 20px 15px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);margin-bottom: 0em;"><section powered-by="xiumi.us" style="font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;margin-bottom: 0em;"><p style="margin-bottom: 0em;">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，可以参加个人养老金制度。</p></section></section><section powered-by="xiumi.us" style="margin-top: 6px;text-align: center;opacity: 0.16;margin-bottom: 0em;"><section style="display: inline-block;width: 537.531px;height: 6px;vertical-align: top;overflow: hidden;margin-bottom: 0em;"><section style="margin-bottom: 0em;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;margin-bottom: 0em;"></svg></section></section></section></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;"><br></section><section style="font-size: 16px;margin-bottom: 0em;"><section powered-by="xiumi.us" style="margin-bottom: 0em;"><section style="margin-top: 10px;margin-bottom: 10px;display: flex;flex-flow: row nowrap;"><section style="display: inline-block;width: auto;vertical-align: middle;line-height: 2;flex: 100 100 0%;align-self: center;height: auto;margin-bottom: 0em;"><section powered-by="xiumi.us" style="padding-right: 26px; padding-left: 26px; letter-spacing: 1px; font-size: 17px; margin-bottom: 0em;"><p style="margin-bottom: 0em;"><span style="font-size: 20px; margin-bottom: 0em;"><strong style="margin-bottom: 0em;"><font color="#4169e1">如何参加？</font></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="padding: 5px 20px 15px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);margin-bottom: 0em;"><section powered-by="xiumi.us" style="font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;margin-bottom: 0em;"><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">个人养老金实行个人账户制度，缴费完全由参加人个人承担，实行完全积累。参加人通过个人养老金信息管理服务平台，建立个人养老金账户。</span></p><p style="margin-bottom: 0em;"><br></p><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">个人养老金资金账户可以由参加人在符合规定的商业银行指定或者开立，也可以通过其他符合规定的金融产品销售机构指定。</span></p><p style="margin-bottom: 0em;"><br></p><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">参加人应当指定或者开立一个本人唯一的个人养老金资金账户，用于个人养老金缴费、归集收益、支付和缴纳个人所得税。</span></p><p style="margin-bottom: 0em;"><br></p><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">参加人变更个人养老金资金账户开户银行时，应当经信息平台核验后，将原个人养老金资金账户内的资金转移至新的个人养老金资金账户并注销原资金账户。</span></p></section></section><section powered-by="xiumi.us" style="margin-top: 6px;text-align: center;opacity: 0.16;margin-bottom: 0em;"><section style="display: inline-block;width: 537.531px;height: 6px;vertical-align: top;overflow: hidden;margin-bottom: 0em;"><section style="margin-bottom: 0em;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;margin-bottom: 0em;"></svg></section></section></section></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;"><br></section><section style="font-size: 16px;margin-bottom: 0em;"><section powered-by="xiumi.us" style="margin-bottom: 0em;"><section style="margin-top: 10px;margin-bottom: 10px;display: flex;flex-flow: row nowrap;"><section style="display: inline-block;width: auto;vertical-align: middle;line-height: 2;flex: 100 100 0%;align-self: center;height: auto;margin-bottom: 0em;"><section powered-by="xiumi.us" style="padding-right: 26px; padding-left: 26px; letter-spacing: 1px; font-size: 17px; margin-bottom: 0em;"><p style="margin-bottom: 0em;"><span style="font-size: 20px; margin-bottom: 0em;"><strong style="margin-bottom: 0em;"><font color="#4169e1">缴费多少？</font></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="padding: 5px 20px 15px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);margin-bottom: 0em;"><section powered-by="xiumi.us" style="font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;margin-bottom: 0em;"><p style="margin-bottom: 0em;">参加人每年缴纳个人养老金的上限为<span style="color: rgb(61, 170, 214);"><strong>12000元</strong></span>。</p></section></section><section powered-by="xiumi.us" style="margin-top: 6px;text-align: center;opacity: 0.16;margin-bottom: 0em;"><section style="display: inline-block;width: 537.531px;height: 6px;vertical-align: top;overflow: hidden;margin-bottom: 0em;"><section style="margin-bottom: 0em;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;margin-bottom: 0em;"></svg></section></section></section></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;"><br></section><section style="font-size: 16px;margin-bottom: 0em;"><section powered-by="xiumi.us" style="margin-bottom: 0em;"><section style="margin-top: 10px;margin-bottom: 10px;display: flex;flex-flow: row nowrap;"><section style="display: inline-block;width: auto;vertical-align: middle;line-height: 2;flex: 100 100 0%;align-self: center;height: auto;margin-bottom: 0em;"><section powered-by="xiumi.us" style="padding-right: 26px; padding-left: 26px; letter-spacing: 1px; font-size: 17px; margin-bottom: 0em;"><p style="margin-bottom: 0em;"><span style="font-size: 20px; margin-bottom: 0em;"><strong style="margin-bottom: 0em;"><font color="#4169e1">如何投资？</font></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="padding: 5px 20px 15px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);margin-bottom: 0em;"><section powered-by="xiumi.us" style="font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;margin-bottom: 0em;"><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">参加人可以用缴纳的个人养老金在符合规定的金融机构或者其依法合规委托的销售渠道购买金融产品，并承担相应的风险。</span></p><p style="margin-bottom: 0em;"><br></p><p style="margin-bottom: 0em;"><strong><span style="margin-bottom: 0em;color: rgb(61, 170, 214);">个人养老金资金账户资金用于购买符合规定的银行理财、储蓄存款、商业养老保险、公募基金</span></strong><span style="margin-bottom: 0em;">等运作安全、成熟稳定、标的规范、侧重长期保值的满足不同投资者偏好的金融产品，参加人可自主选择。</span></p></section></section><section powered-by="xiumi.us" style="margin-top: 6px;text-align: center;opacity: 0.16;margin-bottom: 0em;"><section style="display: inline-block;width: 537.531px;height: 6px;vertical-align: top;overflow: hidden;margin-bottom: 0em;"><section style="margin-bottom: 0em;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;margin-bottom: 0em;"></svg></section></section></section></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;"><br></section><section style="margin-bottom: 0em;font-size: 16px;"><section powered-by="xiumi.us" style="margin-bottom: 0em;"><section style="margin-top: 10px;margin-bottom: 10px;display: flex;flex-flow: row nowrap;"><section style="margin-bottom: 0em;display: inline-block;width: auto;vertical-align: middle;line-height: 2;flex: 100 100 0%;align-self: center;height: auto;"><section powered-by="xiumi.us" style="margin-bottom: 0em; padding-right: 26px; padding-left: 26px; letter-spacing: 1px; font-size: 17px;"><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em; font-size: 20px;"><strong style="margin-bottom: 0em;"><font color="#4169e1">如何支取？</font></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="margin-bottom: 0em;padding: 5px 20px 15px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);"><section powered-by="xiumi.us" style="margin-bottom: 0em;font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;"><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">参加人达到领取基本养老金年龄、完全丧失劳动能力、出国（境）定居，或者具有其他符合国家规定的情形，经信息平台核验领取条件后，</span><strong><span style="margin-bottom: 0em;color: rgb(61, 170, 214);">可以按月、分次或者一次性领取个人养老金，领取方式一经确定不得更改。</span></strong><span style="margin-bottom: 0em;color: rgb(61, 170, 214);"><strong>领取时，应将个人养老金由个人养老金资金账户转入本人社会保障卡银行账户。</strong></span></p><p style="margin-bottom: 0em;"><br></p><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">个人养老金资金账户实行封闭运行，</span><strong><span style="margin-bottom: 0em;color: rgb(61, 170, 214);">其权益归参加人所有，除另有规定外不得提前支取。</span></strong></p><p style="margin-bottom: 0em;"><br></p><p style="margin-bottom: 0em;"><span style="margin-bottom: 0em;">参加人死亡后，</span><span style="margin-bottom: 0em;color: rgb(61, 170, 214);"><strong>其个人养老金资金账户中的资产可以继承。</strong></span></p></section></section><section powered-by="xiumi.us" style="margin-top: 6px;margin-bottom: 0em;text-align: center;opacity: 0.16;"><section style="margin-bottom: 0em;display: inline-block;width: 537.531px;height: 6px;vertical-align: top;overflow: hidden;"><section style="margin-bottom: 0em;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;margin-bottom: 0em;"></svg></section></section></section></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;"><br></section><section data-role="paragraph" style="margin-bottom: 0em; outline: 0px; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px;"><section data-role="paragraph" style="margin-bottom: 0em;outline: 0px;letter-spacing: 0.544px;"><section style="margin-bottom: 0em; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; color: rgb(62, 62, 62); line-height: 24.7273px; text-align: center;"><br style="margin-bottom: 0em;outline: 0px;"></section></section><section style="margin-bottom: 0em;outline: 0px;letter-spacing: 0.544px;font-size: 15px;"><span style="margin-bottom: 0em;outline: 0px;letter-spacing: 0.544px;color: rgb(136, 136, 136);font-size: 14px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">来</span><span style="margin-bottom: 0em;outline: 0px;font-size: 14px;color: rgb(136, 136, 136);letter-spacing: 0.544px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">源：湖北发布、中国政府网</span></section><section style="margin-bottom: 0em;outline: 0px;letter-spacing: 0.544px;font-size: 15px;"><br></section></section></div><p></p> 是不是把钱理财，风险自己承担的意思？ 胡胡然 发表于 2022-4-21 21:20是不是把钱理财，风险自己承担的意思？
聪明 养老金亏空了，又来打鬼主意。 上限是多少？一万二还是十二万 韭菜们，你妈妈喊你来交钱 钱装在自己口袋里是最有保障的 一万二
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