The post-90s, known as the "new generation", is in the first stage of life, they have their own dreams and pursuits, and they are also facing various pressures and challenges. In their life planning, the issue of pension is an unavoidable topic. However, according to the latest survey report, the pension situation of the post-90s generation is not optimistic, their annual salary level is not high, idle funds are limited, they cannot enjoy the tax incentives of personal pensions, and lack confidence and participation in the pension system.
According to the "2024 Return-to-City Employment Survey Report", the average annual salary of the post-90s generation is mainly between 60,000 yuan and 100,000 yuan, accounting for 447%。The post-90s generation with an annual salary of more than 200,000 yuan only accounts for 89%, which is much lower than other age groups. This shows that the income level of the post-90s generation is not high, and their spending power and saving ability are limited.
In order to encourage individuals to participate in the pension system, the state has introduced a series of preferential tax policies. Among them, the most important one is the preferential tax deferred policy for personal pensions. To put it simply, it is the contribution of an individual to the personal pension account, which is deducted from the comprehensive income or business income, with a maximum of 12,000 yuan per year; The investment income included in the personal pension account is not taxed for the time being; The personal pension received by an individual shall be calculated and paid at a separate rate of 3% for individual income tax, and the tax paid shall be included in the item of "income from wages and salaries".
Such a policy seems to be very favorable, but in fact, it is not attractive for the post-90s. There are two reasons: first, the annual salary level of the post-90s generation is not high, and it is difficult for many people to reach the threshold of enjoying tax incentives, that is, saving 12,000 yuan per year; Second, the post-90s generation has limited idle funds, and they are more inclined to use money to solve immediate problems, rather than planning for future pensions. Therefore, the opening rate and contribution rate of personal pension accounts after the 90s are not high, and the incentive effect of preferential tax policies is not obvious.
In the face of the pension dilemma of the post-90s, is there any good solution? Zhou Yanfang, a representative of the National People's Congress and general manager of Pacific Medical and Health Management, gave her own suggestions. She believes that tax incentives should be further increased, and financial subsidies can be issued to the personal pension accounts of post-90s young people with a deposit period of more than 15 years, so as to increase their willingness to participate and income expectations. In addition, she suggested that the upper limit of the annual contribution amount of personal pension should be increased to 20,000 yuan to increase the tax incentives under the EET model, improve the incentive effect of tax deferral, and increase the attractiveness of middle- and high-income young people.
Zhou Yanfang's suggestion has been supported by many experts and netizens. They believe that such a policy adjustment is conducive to expanding the coverage and depth of personal pensions, enhancing the sustainability and competitiveness of personal pensions, promoting the healthy development of personal pensions, and providing more choices and guarantees for the pension of the post-90s.
Of course, in addition to the optimization of policies, the post-90s generation should also have a sense of pension, make plans early, and prepare pensions through multiple channels. In addition to personal pensions, you can also prepare for your future by purchasing commercial pension insurance, investing in pensions, saving pension deposits, etc. Only in this way can the post-90s generation enjoy a safe, comfortable and dignified retirement life in their later years.
After seeing it, netizens expressed their opinions:
The post-80s generation said it was very unfair.
Solve the problem of employment after 35 first.
The post-90s generation has committed a crime.
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