@绵阳人速看！个人养老金实施办法正式发布！年缴纳上限1.2万元，内附相关问题解答。
<p style="margin-top: 0px; margin-bottom: 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><img class="rich_pages wxw-img" data-croporisrc="http://bbs.xishuw.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/ia8KCzRYzWVaheexBK2uiccNjRXCFM6jsKDJ29ibfVib7L9S7lMH2ibOgc3U5A4wtLpq0mlowB6TIb5zlVxBJBz4xBg/0?wx_fmt=png" data-cropx1="0" data-cropx2="682" data-cropy1="111.82591093117409" data-cropy2="1023" data-ratio="1.3372434017595307" data-s="300,640" src="http://bbs.xishuw.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_jpg/ia8KCzRYzWVaheexBK2uiccNjRXCFM6jsKmicp8tMQvvXVPt6ZBaS3yEWEKicxlMmvULyeudRW2COjP6s2SLLWqg6g/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1" data-type="jpeg" data-w="682" data-index="2" data-origin-display="" _width="494px" crossorigin="anonymous" alt="图片" data-fail="0" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; width: 494px !important; display: initial; visibility: visible !important;"/></p><p><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 1.75em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></section><section data-tools="135编辑器" data-id="95693" style="margin: 0px; padding: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; visibility: visible; outline: none 0px !important; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-width="100%" style="margin: 10px auto; padding: 10px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; width: 464px; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; max-inline-size: 100%; border-width: 1px; border-style: solid; border-color: rgb(51, 51, 51); background: rgb(241, 203, 57); visibility: visible;"><section style="margin: 3px 0px -7px -3px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; max-inline-size: 100%; border-top: 1px solid rgb(51, 51, 51); border-right: 1px solid rgb(51, 51, 51); border-left: 1px solid rgb(51, 51, 51); background: rgb(255, 255, 255); border-bottom: none; visibility: visible;"><section style="margin: 0px; padding: 1em; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; width: 20px; visibility: visible;"><img class="rich_pages wxw-img" data-ratio="0.7" src="http://bbs.xishuw.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/ia8KCzRYzWVaheexBK2uiccNjRXCFM6jsKNI1eWCmL2249mjnQPic6icKhWsYibtvv1mWTjicn7HNAia6YhtoUUu1P50g/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" data-type="png" data-w="40" data-width="100%" data-index="3" data-origin-display="block" _width="20px" crossorigin="anonymous" alt="图片" data-fail="0" style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: inherit; height: auto !important; max-inline-size: 100%; width: 20px !important; display: block; visibility: visible !important;"/></section><section data-autoskip="1" style="margin: 0px; padding: 1em; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; cursor: text; font-size: 18px; text-align: right; letter-spacing: 1.5px; line-height: 1.75em; color: rgb(63, 63, 63); visibility: visible;"><section style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; cursor: text; text-align: justify; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 17px; color: rgb(0, 0, 0); font-family: Microsoft Yahei, 微软雅黑, Helvetica Neue, Helvetica, Arial, sans-serif; text-align: start; visibility: visible;">人力资源社会保障部、财政部、国家税务总局、银保监会、证监会11月4日联合发布了《个人养老金实</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; color: rgb(0, 0, 0); font-size: 17px; font-family: Microsoft Yahei, 微软雅黑, Helvetica Neue, Helvetica, Arial, sans-serif; text-align: start; visibility: visible;">施办法》，对个人养老金的参加流程、资金账户管理、机构与产品管理、信息披露、监督管理等做出具体规定。参加人每年缴纳个人养老金额度的上限为12000元，账户里的资金可用于购买符合规定的理财产品、储蓄存款、商业养老保险、公募基金等金融产品，并按照国家有关规定享受税收优惠政策。</span></section><section style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; cursor: text; text-align: justify; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-family: Microsoft Yahei, 微软雅黑, Helvetica Neue, Helvetica, Arial, sans-serif; text-align: start; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%; cursor: text; text-align: justify; line-height: 1.75em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-family: Microsoft Yahei, 微软雅黑, Helvetica Neue, Helvetica, Arial, sans-serif; text-align: start; font-size: 17px; letter-spacing: 2px;">据人力资源社会保障部养老保险司副司长贾江介绍，个人养老金是政府政策支持、个人自愿参加、市场化运营的补充养老保险制度。在中国境内参加城镇职工基本养老保险或者城乡居民基本养老保险的劳动者，都可以参加。</span></section></section></section></section></section><section style="margin: 6px 0px 0px -2px; padding: 0px 2px 0px 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; max-inline-size: 100%;"><img class="rich_pages wxw-img" data-ratio="0.06387225548902195" src="http://bbs.xishuw.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/ia8KCzRYzWVaheexBK2uiccNjRXCFM6jsKa48ds5Llp6OWoicenJ34gUtibSNcrs0TJciaiabLtKxZtW2aBTaL1mzJ8g/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" data-type="png" data-w="501" data-width="100%" data-index="4" data-origin-display="block" _width="442px" crossorigin="anonymous" alt="图片" data-fail="0" style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: inherit; height: auto !important; max-inline-size: 100%; width: 442px !important; display: block; visibility: visible !important;"/></section></section></section><section data-tools="135编辑器" data-id="117766" style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 20px auto; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section hm_fix="331:444" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform-style: preserve-3d;"><section style="margin: 0px; padding: 0px 0px 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: flex-start;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; align-items: flex-end; justify-content: center;"><section style="margin: 0px; padding: 0px 0px 4px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(233, 246, 254);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 16px; background-color: rgb(250, 238, 178); width: 35px; height: 35px; line-height: 40px; text-align: center; transform: translate(-5px, 5px);">01</section></section></section><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px 7px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; font-size: 16px; text-align: center; line-height: 1.75em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; color: rgb(0, 122, 170); font-size: 17px;">个人养老金是什么，有什么作用？</span></strong></p></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(233, 246, 254); transform: translateZ(5px);"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section data-autoskip="1" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">贾江介绍，个人养老金是政府政策支持、个人自愿参加、市场化运营的补充养老保险制度，属于第三支柱保险中有国家制度安排的部分。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">我国多层次、多支柱养老保险体系中，第一支柱是基本养老保险，包括职工基本养老保险和城乡居民基本养老保险，属于公共养老金，由国家、单位、个人共同承担。截至9月底，全国基本养老保险参保人数达10.47亿人。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">第二支柱是企业年金和职业年金，由单位和职工共同缴费，国家给予政策支持。截至3月末，参加职工约7200万人。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">第三支柱是个人储蓄性养老保险和商业养老保险，目前是我国多层次养老保险体系的短板。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">2022年4月，国务院办公厅印发《关于推动个人养老金发展的意见》，标志着个人养老金制度的建立。专家表示，这次《个人养老金实施办法》等相关文件发布，则意味着个人养老金制度进入实质性推动落地阶段。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">“作为完善养老保险体系的重要举措，个人养老金有利于参加人在基本养老保险之上再增加一份积累，让老年生活更有保障。”中山大学岭南学院金融系教授彭浩然说。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">按照实施办法，在中国境内参加基本养老保险的劳动者，都可以参加个人养老金制度，每年缴费上限为1.2万元。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">“这个缴费额度，主要从保持适度补充养老水平、体现增量改革的角度出发确定的。今后，国家会根据经济社会发展水平、多层次养老保险体系发展情况适时提高缴费上限。”贾江表示。</span></p></section></section></section><section style="margin: -7px 0px 0px; padding: 0px 10px 0px 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: flex-end; transform: translateZ(10px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; align-items: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; flex-shrink: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; width: 12px; height: 12px; border-radius: 100%; background-color: rgb(250, 238, 178); overflow: hidden;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section><section style="margin: 0px 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; flex-shrink: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; width: 12px; height: 12px; border-radius: 100%; background-color: rgb(250, 238, 178); overflow: hidden;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section></section></section></section><section style="margin: 20px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 0px 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: flex-start;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; align-items: flex-end; justify-content: center;"><section style="margin: 0px; padding: 0px 0px 4px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(233, 246, 254);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 16px; background-color: rgb(250, 238, 178); width: 35px; height: 35px; line-height: 40px; text-align: center; transform: translate(-5px, 5px);">02</section></section></section><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px 7px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; font-size: 16px; text-align: center; line-height: 1.75em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px; color: rgb(0, 122, 170);">个人养老金账户怎么开，如何缴费？</span></strong></p></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(233, 246, 254); transform: translateZ(5px);"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section data-autoskip="1" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">参加个人养老金，首先要开立个人养老金账户。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">按照实施办法，账户由参加人通过国家社会保险公共服务平台、“掌上12333”等全国统一线上服务入口或者商业银行等渠道，在个人养老金信息管理服务平台建立。个人养老金账户具有唯一性，用于信息记录、查询和服务等。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">接下来再开立个人养老金资金账户。这个资金账户需要在符合规定的商业银行开立或者指定，用于缴费、购买金融产品、归集收益、领取个人养老金等。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">“这两个账户都是唯一的，且互相对应。通过商业银行渠道，可以一次性开立这两个账户。”贾江说，“两个账户开立后，参加人就可以向个人养老金资金账户缴费、购买个人养老金产品了。”</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">对于参加人来说，可以根据自己的经济负担能力，自主决定是每年都参加还是部分年度参加，以及年度内缴多少、一次性缴纳还是分次缴纳。现金、手机银行或个人网银等渠道均可缴费。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">个人养老金资金账户实行封闭运行，不得提前支取。按照《商业银行和理财公司个人养老金业务管理暂行办法（征求意见稿）》，商业银行对资金账户免收年费、账户管理费、短信费、转账手续费。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">在彭浩然看来，“账户制”是此次实施办法中的一大亮点。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">“相对于过去的个人税收递延型商业养老保险试点，个人养老金不仅扩大了金融产品的选择范围，更重要的是让缴费全部归集到个人账户。参加人能够用一个账户‘通吃’所有符合规定的金融产品，税收优惠也落到唯一的个人账户上而非产品上，大大提高了便利性和可及性。”彭浩然说。</span></p></section></section></section><section style="margin: -7px 0px 0px; padding: 0px 10px 0px 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: flex-end; transform: translateZ(10px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; align-items: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; flex-shrink: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; width: 12px; height: 12px; border-radius: 100%; background-color: rgb(250, 238, 178); overflow: hidden;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section><section style="margin: 0px 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; flex-shrink: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; width: 12px; height: 12px; border-radius: 100%; background-color: rgb(250, 238, 178); overflow: hidden;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section></section></section></section><section style="margin: 20px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 0px 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: flex-start;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; align-items: flex-end; justify-content: center;"><section style="margin: 0px; padding: 0px 0px 4px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(233, 246, 254);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 16px; background-color: rgb(250, 238, 178); width: 35px; height: 35px; line-height: 40px; text-align: center; transform: translate(-5px, 5px);">03</section></section></section><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px 7px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; font-size: 16px; text-align: center; line-height: 1.75em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px; color: rgb(0, 122, 170);">资金怎么使用，与存款有何区别？</span></strong></p></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(233, 246, 254); transform: translateZ(5px);"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section data-autoskip="1" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">实施办法明确，个人养老金资金账户里的资金，可以自主选择购买符合规定的理财产品、储蓄存款、商业养老保险和公募基金等个人养老金产品。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">“银行的储蓄存款是个人养老金产品的一个种类。”贾江说，与一般金融产品相比，个人养老金产品要具备运作安全、成熟稳定、标的规范、侧重长期保值四个属性，从而更好保障退休人员的生活。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">实施办法强调，销售机构要以“销售适当性”为原则，做好风险提示，不得主动向参加人推介超出其风险承受能力的个人养老金产品。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">与普通存款、理财产品相比还有个不同，是个人养老金能享受税收优惠。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">4日，财政部、国家税务总局对外发布《关于个人养老金有关个人所得税政策的公告》，自2022年1月1日起，对个人养老金实施递延纳税优惠政策。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">公告明确，个人向个人养老金资金账户的缴费，按照12000元/年的限额标准，在综合所得或经营所得中据实扣除；计入个人养老金资金账户的投资收益暂不征收个人所得税；个人领取的个人养老金，不并入综合所得，单独按照3%的税率计算缴纳个人所得税。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">北京国家会计学院财税政策与应用研究所所长李旭红说：“个税优惠将引导和鼓励居民参与，增强百姓自我保障意识。特别是领取收入的实际税负由原来的7.5%降为3%，国家用‘真金白银’提高了群众的受惠度。”</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; letter-spacing: 2px;">按照实施办法，参加人达到领取基本养老金年龄，或者完全丧失劳动能力、出国（境）定居时可领取个人养老金。参加人身故的，其个人养老金资金账户内的资产可以继承。</span></p></section></section></section><section style="margin: -7px 0px 0px; padding: 0px 10px 0px 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: flex-end; transform: translateZ(10px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; align-items: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; flex-shrink: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; width: 12px; height: 12px; background-color: rgb(250, 238, 178); border-radius: 100%; overflow: hidden;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section><section style="margin: 0px 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; flex-shrink: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; width: 12px; height: 12px; background-color: rgb(250, 238, 178); border-radius: 100%; overflow: hidden;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section></section></section></section></section></section></section><section data-role="outer" label="Powered by 135editor.com" style="margin: 0px; padding: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; white-space: normal; clear: none; min-height: 1em; cursor: text; line-height: 1.5em; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 12px; text-align: center; background-color: rgb(255, 255, 255); outline: none 0px !important; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: none; min-height: 1em; letter-spacing: 0.544px; cursor: text; line-height: 1.5em;"><section data-role="paragraph" style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: none; min-height: 1em; letter-spacing: 0.544px; cursor: text; line-height: 1.5em;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: none; min-height: 1em; letter-spacing: 0.544px; cursor: text; line-height: 1.5em;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: none; min-height: 1em; letter-spacing: 0.544px; cursor: text; line-height: 1.5em;"><section style="margin: 0px; padding: 0px; outline: none 0px !important; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; text-indent: 0em; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; clear: none; min-height: 1em; cursor: text; line-height: 1.5em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(178, 178, 178);">综合/新华社 </span></section></section></section></section></section></section></p><p><br/></p><link rel="stylesheet" href="http://bbs.xishuw.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v133_spN" id="wcn_editor_css"/> 这倒是挺好，缴费了存卡里面，还可以拿来买理财的 12000的话，相当于一个月最多缴1000 1000的个人养老金跟个人养老保险又有什么区别 意思是说买了社保，还可以买这个个人养老金吗 那退休之后能拿到多少钱呢？ 理财所得能取出来吗？ 让有钱人更有钱！加油 变化越来越大，还不晓得二十年后咋样
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