个人养老金算不算投资理财？
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.ytbbs.com/static/publish/css/style.css?v=1605251010502" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010502"><!-- 付费贴--> <div class="preview_article "> <!----> <p>个人养老金制度是政府政策支持、个人自愿参加、市场化运营的补充养老保险制度，年缴费上限为12000元，属于第三支柱保险中有国家制度安排的部分。人力资源社会保障部数据显示，目前开立账户人数超过5000万人。</p><p> </p><p class="empty_paragraph"> </p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.ytbbs.com/forum/20240124191555front1_0_1686583_FqvvCNnMxPL_phrX5uGsUxj4tM8x.jpg?watermark/3/text/QOWkp-Wkp-eahOmXruWPtw==/fontsize/400/dissolve/100/gravity/Center/fill/IzM2MzYzYQ==/font/5b6u6L2v6ZuF6buR/dx/81/dy/10/image/aHR0cDovL3BpYy5hcHAueXRiYnMuY29tL3dhdGVyX2ltZ18yMDE4MTEyNl80NTEuanBn/dissolve/100/gravity/Center/dx/-34/dy/10" alt="" width="1080" height="1868" data-qf-origin="forum/20240124191555front1_0_1686583_FqvvCNnMxPL_phrX5uGsUxj4tM8x.jpg?watermark/3/text/QOWkp-Wkp-eahOmXruWPtw==/fontsize/400/dissolve/100/gravity/Center/fill/IzM2MzYzYQ==/font/5b6u6L2v6ZuF6buR/dx/81/dy/10/image/aHR0cDovL3BpYy5hcHAueXRiYnMuY29tL3dhdGVyX2ltZ18yMDE4MTEyNl80NTEuanBn/dissolve/100/gravity/Center/dx/-34/dy/10" /></p><p> </p> <!----></div> 所谓的个人养老金制度，其实就是拿你交上来的钱填补那些开始领取养老金的人，因为这中间的亏空越来越大了，实在没办法才想出来的招数。等你到了退休年龄，说句不好听的，咱们这个养老金还不知道能领多少呢？我持不乐观态度。
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