Written in front of the article, today is the twenty-fifth day of the lunar month, and there are five days to go before the New Year, looking back at the whole year of 2023, there are bitterness, bitterness, and small luck.
From the full lifting of the epidemic at the beginning of the year to the subsequent resumption of production and operation, we have witnessed the gradual recovery of the economy and the gradual return to normal operation of society. The year 2023 is undoubtedly precious for each of us.
Okay, let's get down to business, let's talk about the personal pension system today to see what form it takes in society, and the following will analyze it.
With the gradual implementation of the personal pension system across the country, all sectors of society have paid great attention to this major policy change.
Driven by the policy, a large number of residents actively responded to account opening, but in terms of enthusiasm for depositing, it does not seem to have formed a matching heat.
This phenomenon of "hot account opening and cold deposit" has caused people to think deeply: what problems do we still face in the implementation of the personal pension system, and how to solve them?
OneA sober analysis behind the account opening boom
The phenomenon of "account opening fever" shows that the public is full of expectations for the pension system implemented by the first and realizes the importance of their own pension planning. However, compared with the enthusiasm of opening an account, there are relatively few residents who actually participate in the deposit, and the reasons behind this are worth in-depth understanding.
Is it due to a lack of understanding of the policy, or is it due to the inadequacy of the deposit system, or the negative attitude of residents' pension planning? The reasons behind this are complex and worthy of in-depth study, and the following points are the core analysis.
Perception and expectation gap, many people are attracted by the idealized description of the policy when opening an account, such as tax incentives, expected high returns, etc.
However, at the specific deposit stage, they may not have enough understanding of the specific details such as income return, capital security and liquidity, and this cognitive gap weakens the willingness to deposit.
In view of the practical consideration of economic pressure, many residents agree with the necessity of a pension system.
However, in the face of the financial pressures of daily life, they may be more inclined to meet their current consumption needs than to save for retirement in the future. Even if you open an account, you may not have enough financial resources to continue to make deposits.
Policy publicity and understanding, policy publicity often focuses on promoting the importance of opening an account, and the specific strategy of how to maintain and grow pensions is not enough.
This may result in a lack of guidance on how to effectively manage and increase the value of pensions after opening an account, and thus lack motivation for follow-up.
2. Analysis of the reasons for the low enthusiasm for deposit
The reasons for the "deposit cold" may be multifaceted.
The practical limitation of financial ability cannot be ignored is that although many people recognize the importance of pension contributions, in practice, they may face multiple economic pressures such as housing, education, and medical care because of their limited income levels, resulting in limited funds available for pension contributions.
Therefore, the enthusiasm for saving is directly affected by the financial situation of the family.
There is a lack of adequate policy incentives, and in the eyes of some people, current policy incentives are not enough to attract them to make long-term contributions.
For example, tax incentives may not be obvious enough, or the rules in the contribution and withdrawal process may be too restrictive, making the pension system less attractive.
The expectation of pension returns is not clear, and the public may have certain expectations for the long-term returns, risks and liquidity of personal pensions, but these expectations may not be consistent with the actual situation.
If the public lacks confidence in the actual return of the pension, or is worried about the investment risk of the pension, their enthusiasm for contribution will naturally decrease.
3. A comprehensive interpretation of the personal pension system
Before delving into the problem, we need to fully understand the relevant content of the personal pension system. Personal pension refers to the pension reserve that individuals voluntarily join in addition to the basic pension insurance.
The introduction of this system aims to encourage residents to enhance their personal pension reserves and improve the level of living security after retirement.
Individuals can choose different payment methods and amounts according to their own economic ability and expected pension needs to increase the accumulation of pensions.
Fourth, the solution: policy, publicity and incentives at the same time
In the face of the phenomenon of "cold deposits", we need to start from three aspects: policy formulation, publicity and education, and incentive measures.
On the one hand, the pension system should be improved to make it more flexible and attractive, such as increasing incentives such as tax incentives.
On the other hand, increase publicity and education to improve the public's awareness of the pension system.
Finally, the convenience of deposit should be improved through various channels and the threshold for residents to participate should be lowered.
The full implementation of the personal pension system is a long-term social project, which is not only related to the future well-being of each resident, but also affects the improvement and progress of the social pension security system.
In the face of the current situation of "hot account opening and cold deposit", we need to calmly analyze its causes, improve the efficiency of the implementation of the system and the enthusiasm of residents through comprehensive measures, and work together to build a sustainable old-age security system.