先森姓蒋
发表于 2024-12-15 20:29
全面实施！渭南人速看，有这些优惠→
<div class="wx_rich_media_content" id="jsWxContainer"><section data-mpa-powered-by="yiban.io"><section><section style="line-height: 1.75em;"></section><p style="text-align: center;line-height: 1.75em;"><img src="https://www.yewn.cn/data/attachment/forum/202111/03/114604xoiyyhicc98x8i9b.jpg"></p><p style="text-align: center;line-height: 1.75em;"><span style="color: rgb(0, 122, 170);"><strong><span style="font-size: 16px;letter-spacing: 2px;">个人养老金制度从12月15日起</span></strong></span></p><p style="text-align: center;line-height: 1.75em;"><span style="color: rgb(0, 122, 170);"><strong><span style="font-size: 16px;letter-spacing: 2px;">在全国全面实施</span></strong></span><span style="font-size: 16px;letter-spacing: 2px;"></span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;">什么是个人养老金？</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;">有哪些优惠？</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;">一起来看解读</span></p><p style="text-align: center;line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;">↓↓↓</span></p><section><br></section><section class="channels_iframe_wrp"><mp-common-videosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="mpvideosnap" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7YmwgiahniaXswqzxl2icb9ykHBrCALtysV9DDDaoqsaykge3ZTicZ8Q8ufnaL0lvNZRgEltqdeyuM3gZ6WIyGfEeh1ffHickLDrZiavNA&token=2lt8WBSnjTnKAy0kxPwg8uuNdZ2gfZbMaCDyGqCBcZLzFKBA2JAKO6IoN4soTlBjg40aOdznd2TIc71k6akPFia7d2mmlWQGFHk7LZgZHicEEicyia7vMYrt5ib1aQj4Jt2Z2aw2cczPTW27zUQ13Pvu5iabibcpaaFibsSqGw1oibqFPatM&idx=1&hy=SH&m=&scene=2&uzid=2" data-headimgurl="http://wx.qlogo.cn/finderhead/ajNVdqHZLLArdvWwUCe7QGibpet5RiaiaRwS65RCKIYmBBbht67aEufow/0" data-username="v2_060000231003b20faec8c5e28018c1ddc806ee32b077a1ac7f1176da9a40937d4b21f86bc4b4@finder" data-nickname="西安发布" data-desc="个人养老金制度从今天（12月15日）起在全国全面实施。什么是个人养老金？有哪些优惠？来看解读报道。（来源：央视新闻）" data-nonceid="9717792958782144323" data-type="video" data-mediatype="undefined" data-authiconurl="https://dldir1v6.qq.com/weixin/checkresupdate/icons_filled_channels_authentication_enterprise_a2658032368245639e666fb11533a600.png" data-from="new" data-width="1920" data-height="1080" data-id="export/UzFfAgtgekIEAQAAAAAA1cENJTRGuQAAAAstQy6ubaLX4KHWvLEZgBPEpYBINy1kWpeKzNPgMIvOGhLy8B3Mve97j31uy2Gb" data-isdisabled="0" data-errortips=""></mp-common-videosnap></section><section><br></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;padding: 1px 14px;border-style: solid;border-width: 5px;border-color: rgba(39, 106, 246, 0.5);box-shadow: rgba(39, 106, 246, 0.17) 5px 5px 0px 0px;"><section style="text-align: justify;color: rgb(250, 254, 255);"><p><span style="letter-spacing: 1px;font-size: 16px;"><strong>我国的养老保障体系包括三部分：</strong></span></p></section></section></section><section style="font-size: 16px;color: rgb(62, 62, 62);text-indent: 2em;line-height: 1.75em;"><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgba(39, 106, 246, 0.5);padding: 5px;"><section style="justify-content: flex-start;display: flex;flex-flow: row;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgba(39, 106, 246, 0.07);padding: 18px;"><section style="text-align: justify;"><p><span style="letter-spacing: 2px;text-indent: 2em;">一是基本养老保险，是我们退休后生活的基本保障。</span></p><p><span style="letter-spacing: 2px;text-indent: 2em;"><br></span></p><p><span style="letter-spacing: 2px;">二是企业年金和职业年金。</span></p><p><span style="letter-spacing: 2px;"><br></span></p><p><span style="letter-spacing: 2px;">三是个人养老金和商业养老。这是个人为提高自己老年生活品质提前做的准备，个人养老金和商业养老产品的不同之处是有政策支持，可以享受更多的税收优惠。</span></p></section></section></section></section></section></section><p style="line-height: 1.75em;"><br></p><section style="line-height: 1.75em; text-indent: 0em;"><span style="color: rgb(0, 122, 170);"><strong><span style="font-size: 16px;letter-spacing: 2px;">目前，个人养老金每年的缴存上限是12000元。</span></strong></span><span style="font-size: 16px;letter-spacing: 2px;">这部分钱转入个人养老金账户后，在第二年计算个人所得税的时候，是可以扣除的。</span></section><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><p><span class="wxart_image" wx-style="display:inline-block;font-family: var(--base-font-family);-webkit-tap-highlight-color: transparent;width: 564px;height: 289.635px;object-fit: fill;display: block;"></span></p><p style="margin-bottom: 16px; font-family: PingFangSC-Regular, PingFangSC, "Helvetica Neue", Helvetica, "Hiragino Sans GB", sans-serif; font-variant-ligatures: none; -webkit-tap-highlight-color: transparent; min-height: 19px; color: rgb(34, 34, 34); font-size: 19px; background-color: rgb(250, 250, 251); line-height: 1.75em;"><br></p><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;">举个例子，小张去年的收入，在扣除免征额、专项附加扣除等等以后，应纳税所得额是5万元，对应的个税税率是10%。如果他把其中12000元存入了个人养老金账户，那么他需要缴税的收入就变成了38000元，缴纳的个人所得税就会减少。</span></section><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><p><span class="wxart_image" wx-style="display:inline-block;font-family: var(--base-font-family);-webkit-tap-highlight-color: transparent;width: 564px;height: 289.635px;object-fit: fill;display: block;"></span></p><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;">小张存到个人养老金账户里的12000元，要到等他退休后，领取个人养老金的时候，才需要纳税，税率是3%。如果小张每年都转入12000元个人养老金的话，累积下来，税收优惠也是不少的。</span></section><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><p><span class="wxart_image" wx-style="display:inline-block;font-family: var(--base-font-family);-webkit-tap-highlight-color: transparent;width: 564px;height: 289.635px;object-fit: fill;display: block;"></span></p><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;">资金转入个人养老金账户以后，可以选择储蓄，也可以买养老理财、养老保险、养老基金等投资产品。既然是投资产品，收益就是和风险挂钩的，大家可以根据自己的风险承受能力来选择。不过，被纳入个人养老金投资标的的产品，会受到更加严格的监管。</span></section><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></section><p><span class="wxart_image" wx-style="display:inline-block;font-family: var(--base-font-family);-webkit-tap-highlight-color: transparent;width: 564px;height: 292.281px;object-fit: fill;display: block;"></span></p><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;">一般来说，个人养老金需要等到退休后才能领取。但是也有几种情况是可以提前支取的，包括完全丧失劳动能力、出国定居，以及患重大疾病、领取失业保险金达到一定条件，或者正在领取最低生活保障金等。</span></section><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><p><span class="wxart_image" wx-style="display:inline-block;height: 291.396px;font-family: var(--base-font-family);letter-spacing: 0.578px;-webkit-tap-highlight-color: transparent;width: 564px;object-fit: fill;display: block;"></span></p><p style="text-indent: 2em; line-height: 1.75em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></p><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;">两年前，个人养老金制度在北京等36个城市或地区开始试点，到今年11月底，已有7000多万人参与。这次推向全国，是我国个人养老金制度的进一步完善，也让更多的人能够有计划地为自己的养老做好规划。</span></section><section style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;letter-spacing: 2px;"><br></span></section><section style="line-height: 1.75em; text-indent: 0em; text-align: center;"><span style="color: rgb(136, 136, 136); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 12px; letter-spacing: 2px; text-indent: 2em;">来源：</span><span style="color: rgb(136, 136, 136); font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 12px; letter-spacing: 2px; 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hwa
发表于 2024-12-15 20:42
个人养老金。
Ann123456
发表于 2024-12-15 20:52
为自己的养老做好规划
是甜甜的糖果吗
发表于 2024-12-15 21:24
谢谢楼主分享
西部牛仔
发表于 2024-12-15 21:42
明天股票要大涨
Mor的王妃
发表于 2024-12-15 22:04
谢谢分享！！
监狱长
发表于 2024-12-15 22:23
为自己的养老做好规划
竹林
发表于 2024-12-15 22:49
为自己的养老做好规划1
谷雨由8
发表于 2024-12-15 22:59
谢谢楼主分享
谷雨由8
发表于 2024-12-15 23:20
明天股票要大涨