Two years after China introduced a pilot private pension scheme to address the challenges of its rapidly ageing population, the programme will be pushed out nationwide with the addition of 85 index funds.
中國爲應對人口迅速老齡化所帶來的挑戰而在兩年前推出了個人養老金試點計劃，現在該計劃將增加85隻指數基金並推廣至全國。
The individual pension account programme was initially rolled out in November 2022 across 36 cities including Beijing, Shanghai, Guangzhou and Shenzhen. Investors can put up to Rmb12,000 ($1,670) annually into tax-free accounts, mirroring the 401(k) plans in the US.
個人養老金賬戶計劃最初於2022年11月在北京、上海、廣州和深圳等36個城市推出。投資者可以每年向一個免稅賬戶存入最多12000元人民幣（合1670美元），有點像美國的401(k)計劃。
Despite more than 60mn accounts being opened, the actual money invested in tens of millions of private pension scheme accounts remains very low or at zero. Even with the expansion, analysts highlight that further reforms and liberalisation are needed.
儘管已經開設超過6000萬個賬戶，但相當大一部分個人養老金賬戶的實際投資金額仍然很低，甚至爲零。即使在擴容之際，分析人士也強調個人養老金計劃需要進一步改革和自由化。