个人养老金来了！怎么参加？如何领取？
<section style="margin-right: 8px; margin-bottom: 16px; margin-left: 8px; outline: 0px; max-width: 100%; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><span style="letter-spacing: 0.544px;">近日，有关个人养老金的政策文件密集出台，个人养老金的话题引发关注。</span><span style="letter-spacing: 0.544px;">那么，个人养老金如何缴？</span><span style="letter-spacing: 0.544px;">个人养老金账户里的资金怎么用？</span></section><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(79, 129, 189);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">什么是个人养老金？谁可以参加？</span></strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人养老金被称为养老第三支柱，与第一支柱基本养老保险和第二支柱企业（职业）年金共同组成我国养老保险体系的“三大支柱”。</span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">此次发布的《个人养老金实施办法》明确，</span><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">在我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，都可以参加个人养老金。</span></strong></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;"></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">人力资源和社会保障部副部长李忠介绍，个人养老金制度和基本养老保险不同，基本养老保险由国家强制实施，个人养老金由个人自愿参加。</span><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">与企业年金、职业年金由用人单位及其职工建立、共同缴费不同，个人养老金只由个人缴费。</span></strong><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">“个人退休后能够再多一份收入，进一步提高退休后的生活水平，让老年生活更有保障，更有质量。”</span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;color: rgb(79, 129, 189);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人养老金实行个人账户制</span></strong></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;color: rgb(79, 129, 189);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">可指定个人养老金资金账户</span></strong></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">据了解，个人养老金实行个人账户制，包括个人养老金账户、个人养老金资金账户。参加人参加个人养老金，应当通过国家社会保险公共服务平台、全国人力资源和社会保障政务服务平台等全国统一线上服务入口或者商业银行渠道，在信息平台开立个人养老金账户。</span><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">而个人养老金资金账户，可以选择一家符合规定的商业银行开立或者指定本人唯一的个人养老金资金账户。</span></strong></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">那么为什么要设立两个账户？人力资源和社会保障部养老保险司副司长贾江介绍：</span></p><p><section data-role="list" style="outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: start;caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><ul class=" list-paddingleft-2" style="padding-left: 30px;outline: 0px;max-width: 100%;visibility: visible;overflow-wrap: break-word !important;"><li><p style="margin-right: 8px;margin-bottom: 20px;margin-left: 8px;outline: 0px;max-width: 100%;line-height: 1.75em;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人养老金账户是参加人参加个人养老金、享受税收优惠政策的基础。</span></p></li><li><p style="margin-right: 8px;margin-bottom: 20px;margin-left: 8px;outline: 0px;max-width: 100%;line-height: 1.75em;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人养老金资金账户作为特殊专用资金账户，与个人养老金账户绑定，为参加人提供资金缴存、个人养老金产品投资、个人养老金支付等服务。</span></p></li></ul></section></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;color: rgb(79, 129, 189);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">钱存入账户之后，这笔钱如何使用？</span></strong><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">《个人养老金实施办法》给出了明确方向，</span><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">参与者可自主选择购买符合规定的储蓄存款、理财产品、商业养老保险、公募基金等金融产品实行完全积累，按照国家有关规定享受税收优惠。</span></strong></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;"></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">如何才能更好地化解个人养老金参与者投资所带来的风险？银保监会也就《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）》公开征求意见。《办法》规定，银保监会根据该办法，</span><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">向社会公布可开办个人养老金业务的商业银行和理财公司名单，并对开办个人养老金业务的商业银行和理财公司进行持续监管。</span></strong><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">对于不满足监管要求的个人养老金理财产品，银保监会将不定期移出名单。</span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(79, 129, 189);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">缴费按12000元/年的限额标准</span></strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(79, 129, 189);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">领取时按3%税率缴纳个人所得税</span></strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人养老金制度是政府政策支持、个人自愿参加、市场化运营的补充养老保险制度。其中，政府政策支持，一个直接体现就是税收优惠。财政部、税务总局11月4日发布的《关于个人养老金有关个人所得税政策的公告》明确，自今年1月1日起，对个人养老金实施递延纳税优惠政策。</span></p><p><section data-role="list" style="outline: 0px;max-width: 100%;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: start;caret-color: rgb(0, 0, 0);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;"><ul class=" list-paddingleft-2" style="padding-left: 30px;outline: 0px;max-width: 100%;overflow-wrap: break-word !important;"><li><p style="margin-right: 8px;margin-bottom: 20px;margin-left: 8px;outline: 0px;max-width: 100%;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">在缴费环节，个人向个人养老金资金账户的</span><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">缴费按照12000元/年的限额标准，</span></strong><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">在综合所得或经营所得中据实扣除。</span></p></li><li><p style="margin-right: 8px;margin-bottom: 20px;margin-left: 8px;outline: 0px;max-width: 100%;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">在投资环节，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。</span></p></li><li><p style="margin-right: 8px;margin-bottom: 20px;margin-left: 8px;outline: 0px;max-width: 100%;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">在领取环节，</span><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">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></strong><span style="outline: 0px;max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">缴纳的税款计入“工资、薪金所得”项目。</span></p></li></ul><p style="margin-bottom: 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;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-size: 14px;text-align: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(136, 136, 136);box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></p><p style="margin-bottom: 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;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-size: 14px;text-align: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(136, 136, 136);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></p><p style="margin-bottom: 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;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-size: 14px;text-align: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(136, 136, 136);box-sizing: border-box !important;overflow-wrap: break-word !important;">来源：新华日报</span></p></section></p><link rel="stylesheet" href="//bbs.221700.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_qk8" id="wcn_editor_css"/> 感谢费呢下午，涨知识了 感谢分享 学到了 感谢分享 感谢分享 感谢分享 非常感谢分享 很实用 必须参加。 为社区管理点赞！ 感谢分享 感谢分享 感谢分享 好，点赞
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