【中文版】

个人养老金是什么意思？

个人养老金是指政府政策支持、个人自愿参加、市场化运营、实现养老保险补充功能的制度。个人养老金实行个人账户制，缴费完全由参加人个人承担，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政策。

个人养老金的参加人应当是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。金融监管部门结合金融消费者权益保护需要，根据产品特点分类别分步骤适时推进。

个人养老金制度的建立有助于完善多层次、多支柱养老保险体系，能够更好地满足人民群众多样化养老保险需要，可以进一步提高退休人员的生活水平。同时，也可以促进资本市场的发展，为资本市场注入长期资金，有利于促进经济的可持续发展。

总之，个人养老金是一项重要的社会保障制度，可以为广大人民群众提供更多的养老保障，促进经济的可持续发展。

【英文版】

What does Individual Pension mean?

Individual Pension refers to a system of government policy support, individual voluntary participation, market-based operation, and implementation of endowment insurance supplementary function. Individual Pension implements individual account system, with complete participation from individuals, who voluntarily choose to purchase the savings deposits, investment products, commercial endowment insurance, mutual funds and other financial products that meet the relevant regulations, and implement complete accumulation, enjoying tax preferential policies in accordance with national regulations.

Individuals participating in Individual Pension should be laborers who participate in urban and rural resident endowment insurance in China. In view of financial consumer rights protection needs, financial supervision departments carry out the measures in a timely manner in line with product characteristics.

The establishment of Individual Pension System helps to improve the multi-level and multi-pillar endowment insurance system, better meet the diversified needs of endowment insurance for people, and improve the living standards of retirees. At the same time, it also promotes the development of capital market and injects long-term funds into the capital market, which is beneficial to promote sustainable economic development.

In short, Individual Pension is an important social security system that provides more endowment security for the general public and promotes sustainable economic development.