[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2022111015493403198":3,"related-JP2022111015493403198":33},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"postTime":17,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":21,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":26,"vipExclusive":20,"allowComment":7,"style":27,"likeCount":10,"duration":20,"playStyle":7,"seoKeywords":11,"articleModuleVoList":28,"extendContentList":29,"noteCount":30,"categoryList":31,"dailyKeywordList":32},10,5215,"1",1,"JP2022111015493403198","1041018",3,"","算完「个人养老金」的税优政策，惊呆！","https:\u002F\u002Fimage.jane7.com\u002F7a517079-e715-41f4-9158-6f3afb42b0e5.png","https:\u002F\u002Fimage.jane7.com\u002F324934f2-0d8d-475c-811c-f882753ca877.png","直说吧，能省多少钱？","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px 16px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px 16px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-size: 16px; letter-spacing: 1px; text-align: center; caret-color: red; font-family: arial, helvetica, sans-serif;\">大家好，我是简保君。\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">周末，看到了一条跟咱们大家都有关的新闻，说的是\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; color: rgb(105, 104, 231); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">《个人养老金实施办法》\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">正式落地了——\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); letter-spacing: 1px; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cblockquote class=\"\" style=\"margin: 1em 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n    \u003Csection>\n     \u003Csection>\n      \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">11月4日，人力资源社会保障部、财政部、国家税务总局、银保监会、证监会联合印发《个人养老金实施办法》，对个人养老金的业务管理、参加流程、信息披露等作出规定。与此同时，财政部、税务总局也发布《关于个人养老金有关个人所得税政策的公告》，明确对个人养老金实施递延纳税优惠政策。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003C\u002Fsection>\n    \u003C\u002Fsection>\n   \u003C\u002Fblockquote>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">关于个人养老金的官方意见，在4月份时就有消息了，这段时间又完善了更具体的细则。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">文件刚出来时，引起了大家的广泛讨论，总结了一下关注点聚焦在3个方面：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">1）官方也建议大家去做个人养老金的准备了，这背后释放的信号不言而喻。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">2）个人养老金账户可以看成一个投资账户，能参与保险、银行、公募基金等不同风险等级的标的进行投资；并且自负盈亏。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">3）使用个人养老金账户，能给一定的税收优惠。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">当时很多朋友说，一边存钱，一边税优，这个人养老金也太香了。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">事实没那么简单，今天就来陪大家一起梳理——\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cblockquote class=\"\" style=\"margin: 1em 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n    \u003Csection>\n     \u003Csection>\n      \u003Csection>\n       \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">个人养老金怎么参与？\u003C\u002Fspan>\u003C\u002Fp>\n      \u003C\u002Fsection>\n      \u003Csection>\n       \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">税收优惠政策细则？\u003C\u002Fspan>\u003C\u002Fp>\n      \u003C\u002Fsection>\n      \u003Csection>\n       \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">官方背后传达了什么信号？\u003C\u002Fspan>\u003C\u002Fp>\n      \u003C\u002Fsection>\n     \u003C\u002Fsection>\n    \u003C\u002Fsection>\n   \u003C\u002Fblockquote>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F812d8aeb-2085-415c-83e3-ef000c909a8c.jpg\">\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">1）怎么参与?\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「个人养老金」实行个人账户制度，缴费完全由参加人个人承担，实行完全积累。\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); letter-spacing: 1px; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">简单来说，就是\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">让大家开个超长期的「个人养老账户」，自愿多攒一笔钱，作为补充养老金。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">这笔钱需要自行打理，投资在国家筛选后的理财产品中，比如符合规定的\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; color: rgb(105, 104, 231); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">银行理财，储蓄存款、商业养老保险、公募基金\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">等。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">所有的收益或损失都归个人所有。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">2）税收优惠？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">现在暂定，参加人每年缴纳的「个人养老金」，上限为12000元，平摊下来每个月1000元。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">缴费方式，既可以选择按年度交，也可以按月份交。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">这部分钱，是可以享受税收优惠的。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">一年12000元，以工作30年计算，就是\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">360000元\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">如果年薪在20万左右，那么大约可省下大约\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; color: rgb(105, 104, 231); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">72000元\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; font-family: arial, helvetica, sans-serif;\">，每年2400元；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); visibility: visible; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果工资高，省的税还能更多。\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; color: rgb(34, 34, 34); letter-spacing: 1px; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">3）怎么领取？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">参加人满足以下任一条件时，可以领取——\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">① 达到领取基本养老金的年龄，也就是法定的退休年龄；\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">② 完全丧失劳动能力；\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">③ 出国定居。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">领取时，钱从个人养老金资金账户，转入本人的社保卡里。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">有一点千万要注意，个人养老金资金账户实行封闭运行。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(105, 104, 231); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不能提前支取。\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; font-family: arial, helvetica, sans-serif;\"> \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">跟朋友讨论时，这点被诟病得比较多，明明是自己的钱，却被老老锁定，想用时用不了。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">我自己还是挺能理解的，从目前的思路来看，原则还是专款专用。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果过于灵活，想要一直留到退休，对大部分来说是个巨大的考验。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; font-family: arial, helvetica, sans-serif;\">更详细的解读可以参考之前写的：\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Ca target=\"_blank\" href=\"http:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MzUzNzMwMDUyMw==&mid=2247496761&idx=1&sn=7d7b37131f9377866a292db11189ace9&chksm=faebaf7dcd9c266b4f50a49ad08b75716117ad5a17aec878cb6038d05cbc00f88d0266843185&scene=21#wechat_redirect\" style=\"margin: 0px; padding: 0px; outline: 0px; color: rgb(87, 107, 149); text-decoration: none; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); cursor: pointer; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;;color:#409eff\">重磅！个人养老金出台，多领1份养老金\u003C\u002Fa>\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:center; vertical-align: inherit; margin: 0px 16px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fda4604d2-0ccf-4c14-8ac1-ee6c2619e4d6.jpg\">\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">下面重点说说，个人养老金的税优政策。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">在之前的国务院常务会议上，公布了具体的方案：\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1）税前扣除，按每年12000元限额。\u003Cbr>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2）个人养老金账户内的投资收益，暂不征税。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">3）领取时税负从7.5%降为3%。\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">从3）就能看出来，参加个人养老金，不是说直接免税了，而是把交税时间延后了。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不过，这个税优力度还是不错的，3%的税率相当于月薪5000~8000元的个税税率了。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">那入手这个养老金，到底能省多少税呢？\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">省去中间复杂的计算，直接说结论：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">① 月收入不足5000元，所得税税率是0%，所以没有抵扣额度。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">② 月收入5000~8000元，所得税税率是3%，相当于基本不交税了。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">③ 月收入超过8000元，随着收入的提高，所得税税率会越来越高，（超过85000元即收取45%的顶格所得税税率）；\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">超过8000元的收入人群，收入越高，能享受到的抵税额度就越高。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">当然了，由于现在每人每年只能存12000元的限额，所以实际上能省的税费还是比较有限的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:center; vertical-align: inherit; margin: 0px 16px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fb6f26508-73b1-4ae8-9c3f-52ad5db98f94.jpg\">\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">相比于具体的政策，很多朋友对官方背后传递的信号，也很感兴趣。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之前就有朋友问过我：\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这个政策是不是侧面告诉我们，养老得靠自己了？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; font-family: arial, helvetica, sans-serif;\">其实，答案是什么，我想大家心里都很清楚；\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">目前养老形势的险峻，光靠社保肯定是解决不了的。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">相对来说，养老产业比较发达的欧美国家，除了社保，还有职业年金（或企业年金）和个人养老产品（如养老保险、养老基金等）；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">回看我们，养老金制度发展的时间并不长，父辈那种全靠退休金养老的日子，很难在我们以及未来的人身上实现了。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">能做的只有：认清现实，早点准备。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">当然了，养老保险也好，个人养老金也好，说到底只能算养老路上的一个思路，并不是所有人的万能钥匙。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">小结一下，个人养老金制度的落地，实际上带来的改变并不多，影响力也非常有限，但是它传递出来一个\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; text-align: left; font-family: arial, helvetica, sans-serif;\">「\u003C\u002Fspan>只靠社保养老不够的\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; text-align: left; font-family: arial, helvetica, sans-serif;\">」\u003C\u002Fspan>信号。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">而这个信号，才是需要我们重视的。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">关于\u003Cstrong>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; font-family: arial, helvetica, sans-serif;\">「个人养老金」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; font-family: arial, helvetica, sans-serif;\">，或者\u003Cstrong>「养老」\u003C\u002Fstrong>，你有更多想要讨论的，都欢迎在评论区给我留言~或添加助手进一步咨询~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:center; vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc870fed6-40b9-4b4b-86ed-8926817a94d2.jpg\" alt=\"简保助手小森.png\" width=\"167\" height=\"165\">\u003C\u002Fp>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2022-11-10 15:49:20","2022-11-10 16:00:00",100,0,"lixinyue@jane7.com","2022-11-10 15:49:34",327,false,15000,8,"1038002",[],[],14,[],[],[]]