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A blasting point a tax deferred pension insurance scheme or the launch of the year-www.1hhh.com

Posted on June 4, 2018 by hanson

A shares blasting point: tax deferred pension scheme or launch Sina Financial App during the year: Live Online Bo master one to one guide, you say that the stock market competition divided 60 million A shares burst point? Introduction of tax deferred pension insurance scheme or the year – the reporter Xiao Junxiu Shenzhen reported recently, a capital market event came the news that the tax deferred pension insurance scheme has been submitted to the State Council, the second half of this year is likely to launch a pilot program. For this, during the 8 years of brewing repeated rumors of major policy launched in Southern China, a life insurance company executives told the "China Times" reporter said, "because it involves a wide range, such as the Ministry of Finance and the China Securities Regulatory Commission, the SASAC, the social security fund and other departments will carefully consider all aspects of some." Individual income tax deferred pension insurance, that is, the individual purchase of commercial pension insurance, this part of the premium tax exempt from wages, until retirement, when the insured to pay again. The Chinese version of IRA (Individual Retirement Accounts individual pension account) system, especially the capital market excited, because the U.S. stock market has since this policy to get rid of the bear market for many years, so as to enter the bull market for more than 20 years. Today, China’s fund industry also loudly applauded, "Chinese version of IRA opened, will play a big role in promoting the stock market."." Yang Delong, chief economist of Qianhai open source fund, believes that as a long-term and stable fund, the individual pension account is undoubtedly good for the stock market. In fact, A stock market response is not strong, still dominated by shocks. In September 9th, the Shanghai Composite Index closed down 0.55% points to 3078.86 points, ending 5 days of continuous upward trend; when the week’s cumulative rise of about 0.4%, fell two weeks ago. Time is the key point of individuals to buy commercial pension insurance as supplementary pension insurance has been poised to strike. In August, the social insurance management center of the Ministry of social welfare released the annual report of China’s social insurance development 2015, which showed that the pension insurance fund for urban employees in Heilongjiang, Liaoning, Jilin, Hebei, Shaanxi and Qinghai provinces was not available in the past 6 years. Commercial pension insurance as a supplement to the road has been urgent, the introduction of a tax deferred pension insurance news, so many parties excited. First, for the individual, if you go to the insurance company to buy commercial pension insurance, pre tax monthly preliminary estimates may tens of dollars a year, saving 1000 yuan. As a trustee and investor of endowment insurance, fund companies pay more attention to it. Zhong Rongsa, vice president of IRA, believes that the establishment of the Chinese version of the fund at that time, the fund’s portfolio investment can provide a practical basis for the future pension accounts, public funds can seize opportunities for pension development. "The United States began the pension and tax reform since the 70s and 80s of last century, and then the whole 30 seniority management industry is upwards."." In July this year, at an investment forum, it said. The CSRC research department also wrote for this purpose, speeding up the construction of pension system, vigorously promoting the development of enterprise annuity, to achieve the pension system and the capital market benign theory

A股爆破点:个税递延型养老保险方案或年内推出 新浪财经App:直播上线 博主一对一指导 你说了算 上炒股大赛分掉6000万   A股爆破点? 个税递延型养老保险方案或年内推出   ■本报记者 肖君秀 深圳报道   近日,一件资本市场大喜事传来,有消息称个税递延型养老保险方案已报国务院,今年下半年极有可能推出试点方案。对于这项酝酿8年、其间多次传出推出的重大政策,华南一位寿险公司高管对《华夏时报》记者称,“因为牵涉面很广,比如财政部、证监会、国资委、社保基金等部门,各方面考虑都会谨慎一些。”   个税递延型养老保险,即个人购买商业养老保险时,这部分保费的税收从工资中免除,等到退休了领保险时再缴。此项被称作中国版IRA(Individual Retirement Accounts个人养老账户)体系建立尤其让资本市场兴奋,因为美国股市曾因这个政策摆脱了多年熊市,从而进入20多年的大牛市。如今,中国基金行业也为此大大声叫好,“中国版IRA开启,对股市行情会起到很大促进作用。”前海开源基金首席经济学家杨德龙认为,个人养老账户作为长期、稳定的资金,无疑对股市是大利好。   事实上,A股对此市场反响并不强烈,依旧以震荡为主。9月9日,上证综指收盘跌0.55%报3078.86点,结束5日连涨走势;当周累计上涨约0.4%,此前连跌两周。   时间点是关键   个人购买商业养老保险作为补充养老险已经如箭在弦。   8月人社部社会保险事业管理中心发布《中国社会保险发展年度报告2015》显示,去年黑龙江、辽宁、吉林、河北、陕西和青海6省份的城镇企业职工养老保险基金当期收不抵支。   商业养老保险作为补充上路已刻不容缓,个税递延型养老保险出台的消息,让多方激动不已。首先对于个人来说,如果去保险公司购买商业养老保险,初步测算前期可能每月节税数十元,一年节税1000元左右。基金公司作为养老保险的受托管理和投资方更是十分关注,并且为此鼓与呼。   中基协副会长钟蓉萨认为,建立中国版IRA正当时,基金的组合投资可以为未来的养老账户提供实践基础,公募基金可以抓住养老金发展的机会。“美国从上世纪七八十年代开始进行养老金和税收改革,之后整个30年资管行业都是往上发展的。”今年7月在一投资论坛上其称。   证监会研究部门也曾为此撰文称,加快养老金体系建设,大力推动企业年金发展,实现养老体系和资本市场的良性互动。   《华夏时报》记者了解到,多家基金公司已经为此做好准备,这将会成为基金公司又一块大规模的受托资产。   中国版IRA对于股市的威力到底有多大,先来看看美国的经验。美国IRA同样是国家提供税收支持、个人自愿参与的养老保障体系,截至2015年底,IRA总资产达7.6万亿美元,成为美国养老的第三支柱。其还有第二支柱“401K计划”,即企业年金,且同样提供税收优惠,目前规模超过4.5万亿美元。美国这两项养老新政推出在七八十年代,而后在这部分养老长期资金入市过程中,结束了美国数年熊市,迎来了长达22年的大牛市。   A股市场也正在渴盼这样大规模的长期资金入市,而今正在慢慢成行。我国养老保险体系正在逐步完善,与美国一样,也是走社会保障与商业保障相结合之路。社会养老保障作为第一支柱在我国已无法满足更好养老的需求,于是作为第二支柱的企业年金也已在上路,目前规模达万亿元左右,相比美国目前超过4.5万亿美元规模显得式微。“企业年金发展比较缓慢,主要是民营企业不愿意搞,只有国企搞,不像美国比较普及。”一位保险业人士说,中国版401K计划目前在我国主要面临这样的问题。有数据显示,全国1500多万家企业中,只有7万家企业建立了企业年金。   企业年金覆盖面并不广,未来养老问题关系国计民生,于是作为第三支柱中国版IRA便上路。早在2009年,国务院就明确提出在上海试点个税递延型养老险,后来8家保险公司成立了试点工作小组并向财政部报了方案。但是,由于现实和税法等种种原因,“如今8年过去了至今仍未成行。去年底也说快了,但是转眼又过去了大半年,在剩下不到四个月时间里,今年是否能成行还充满不确定性。”在上述保险业人士看来,个税递延型养老保险推出势在必行,主要是时间点。   如何点燃股市   个人账户养老金入市,已经成为资本市场最大的盼头。“肯定是向这个方向走,对股市影响程度具体还要看资金入市规模。”龙腾资产董事长吴险峰对《华夏时报》记者称,起初规模不会太大,影响是渐进式的。   从上海市上报财政部的试点方案来看,缴费限额为每月1000元,其中700元用于个人养老保险免税,300元用于企业年金免税。业内测算出来,如果税前列支700元购买了个税递延型养老险,每月可以节税80元,一年则可以节税千元。过往有数据显示,缴纳个税的人数不到3000万,如果初期10%的人购买,规模也就几百亿,未来随着时间的推移,有望出现上万亿的规模,甚至更多。按最高30%入市来算,初期最多可能只有几十亿入市,但是随着时间的推移会有越来越多的资金源源不断地进来,这才是资本市场的期盼所在。   杨德龙认为,实际上目前大盘已经确立慢牛行情,重心不断上移,单边下跌变成了震荡上行,趋势出现反转,“一是整个资金面宽松、流动性充裕,房地产、债市有见顶的迹象,而股市还在底部,尤其是蓝筹股处于洼地;二是全球央行放水之下,资金价格都在出现上涨。”   美国之所以能够成就22年的大牛市,也是养老资金长期积累、入市的作用。目前市场首先盼望企业年金入市,如按险资30%入市比例算,万亿企业年金理论上还有2000多亿可以进入股市。第二步市场盼望地方养老金(社保)入市,市场测算规模高达2万亿左右。第三步当然就是税收递延型养老险,随着时间的推移有望成为一块更大的蛋糕。这些长期的、稳定的资金源源不断入市,将会成为影响A股的一支重大力量。   美国22年的大牛市,并非一蹴而就。吴险峰认为,未来A股也需要经历漫长时间,慢牛将是一个常态,“不像过去每天成交量巨大,上蹿下跳,以后逐渐回归到行业和个股时代,回归到真正价值投资时代,这种常态下指数短期自然不会有太大波澜,不要过多猜大盘。” 进入【新浪财经股吧】讨论相关的主题文章: