With the continuous development of society, people's attention to the issue of pension is also increasing. Especially among the younger generation, more and more people are beginning to pay attention to the issue of personal pensions. Considering the shortcomings of the current pension system and policies in meeting the needs of the elderly in the future, we suggest that the post-90s generation should be provided with subsidies for personal pension accounts to encourage young people to plan more actively for their future.
First of all, the post-90s generation is in a critical period of career development, and many people may not have formed a fixed deposit or investment plan. Therefore, giving subsidies will effectively encourage young people to start saving and accumulating for personal pensions at a young age to prepare for their future retirement.
Secondly, as a representative of the digital era, the post-90s generation has a certain financial awareness and ability, and they have the ability to manage funds more flexibly and choose a pension investment method that suits them. ** The subsidy can encourage young people to participate more in the construction of pension accounts and improve their self-protection ability to cope with old age.
At the same time, the provision of subsidies for personal pension accounts will also promote financial institutions to support more personal pension services and promote the development of financial technology. This will help to establish a more stable and secure pension system to meet the needs of people of different ages for pension services.
Finally, in the implementation process, ** can consider providing corresponding preferential tax policies for the post-90s who participate in the personal pension plan, so as to improve their enthusiasm for participation. In addition, relevant education and publicity activities can also be carried out, strengthen the training of pension awareness and financial planning, and improve the financial awareness and risk prevention ability of young people.
In general, it is imperative to encourage and help the post-90s generation to establish personal pension accounts. This can be achieved through the provision of subsidies and the establishment of policies that facilitate the participation of young people, thereby providing them with more security for their future retirement.