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Maybe it can be understood this way. The personal pension system is a supplement to the old-age insurance. Compared with the old-age insurance for urban and rural residents, it has a wider range of objects, including both non-employed urban and rural residents and urban workers. There is no limit on the payment period; By adopting market-oriented investment operation, you can buy wealth management products, funds, etc., and the rate of return may be higher than that of fixed deposits; It can be tax preferential, which is more clear than the tax on endowment insurance for urban and rural residents; Treatment depends entirely on the accumulation of personal accounts and investment income.References:

World Wide Web. Five departments: Individual pension system is pushed to the whole country. December 12, 2024.References:Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.

The individual pension system has been extended to the whole country.On December 12th, it was reported that from December 15th, the personal pension system was pushed from the original 36 pilot cities (regions) to the whole country.References: