Haiwen Social News 2023 is coming to an end, Haiwenjun's circle of friends has been swiped by personal pensions, countless bancassurance people have posted in the circle of friends that personal pensions can save taxes, and I hope everyone will "buy, buy, buy", however, the reality is skinny, the ultra-long lock-in period (you can only take it until retirement), and you have to pay taxes when you take it, plus this year's big A has been falling endlessly, and the income of the pension ** is bleak, and some investors complained: they saved a few hundred yuan in taxes and lost more than 1,000 yuan in principal.
In November last year, the personal pension system was launched, at that time, the banks riveted their efforts to promote personal pensions, the introduction of account opening and other ways to reduce marketing, attracting a large wave of "wool" groups, the number of related accounts opened rapidly growth, has exceeded 40 million, more than 740 investment products. However, many people have opened accounts and do not deposit, coupled with problems such as unsatisfactory investment returns on some products, personal pensions have also been complained about.
There are still 6 days before the personal pension is paid, and in the past few days, Ms. Han, a citizen of Hangzhou, is very entangled: "Do you want to pay it?"Ms. Han said that she calculated that if she paid it, she could save about 1,200 yuan in taxes a year, but she thought that it would take it after twenty or thirty years, so she was a little discouraged. Some of my friends have paid for a forced savings, and some people think it's an "IQ tax". "The main reason is that this year's ** is too stretched, and the loss of more than 10% is lost at every turn, and the tax of the province has not lost much. ”
Hai Wenjun noticed that personal pensions are divided into four types of products: pension, bank wealth management, savings deposits, and commercial insurance. You can buy nothing after depositing, or you can buy **, buy financial management, save and buy insurance, whatever you like. As for the income, the income of insurance, financial management and deposits is quite guaranteed, at least this year are positive returns, and the yield of ** is at the bottom of the four types of products, wind data shows that there are 179 personal pensions in the whole market, and more than ninety percent of the losses have been lost since its establishment.
Last year, under the strong marketing of the bank, 40 million users completed the account opening, but the number of people who actually deposited funds was actually about 10 million, accounting for less than 30% of the number of account openings. In other words, many people have not yet made up their minds to contribute funds to their personal pension accounts after opening an account.
I have no confidence in the return on investment in the capital market, and I have not yet made up my mind to invest money in it. In Hai Wenjun's interview, many investors said that they were still struggling. However, a small number of investors said that they were optimistic about the future development of the capital market and did not hesitate to buy a pension. There are still 20 years left before retirement, and I think that after 20 years, I will not lose money, but it will definitely rise. ”
A number of industry insiders believe that after acquiring customers, banks should continue to market customers to buy personal pensions, launch some more attractive products, make a fuss about retention, and give appropriate incentives.
Some experts believe that the attractiveness of personal pensions, in addition to tax incentives, should come from the return on investment products. Over the past year, the market investment income has fluctuated greatly, which has affected the enthusiasm of consumers to invest in personal pension products to a certain extent. However, the one-year cycle is short, and the reserve of the pension is a long-term process, which should focus on the value of time, and should focus on the long-term no matter which product is purchased.
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