2024年中英人寿投资连结保险年报 本信息根据银保监规〔2022〕24号《一年期以上人身保险产品信息披露规则》编制

Company Overview - Cofco Aviva Life Insurance Co., Ltd. is a joint venture established by COFCO Capital and Aviva Group, officially opened on January 1, 2003, with a registered capital of 2.95 billion RMB [3] - The company adheres to the principles of financial stability and standardized operations, covering 18 provinces and municipalities in China, with over 80 key cities, ranking among the top joint ventures in terms of scale and profit [3] - The corporate vision is "Care in Every Home," and the core values are encapsulated in the acronym I_C.A.R.E., emphasizing integrity, collaboration, action, results-oriented, and empathy [3] Investment Account Overview - The investment accounts include various types such as Aggressive, Index, Balanced, Conservative, Growth, Enhanced Index, Balanced Allocation, and Hedging accounts, each with specific investment strategies and asset allocation goals [4][5][6][7][8][9][10][11][12] - The Aggressive account primarily invests in equity funds, targeting an asset allocation of 75-95% in stocks and 5-25% in cash [4][8] - The Index account focuses on index-tracking funds, aiming for 95% in stocks and at least 5% in cash or short-term government bonds [5][9] - The Balanced account invests in a mix of equity and hybrid funds, with a target allocation of 50-80% in stocks and 20-50% in bonds [6][10] - The Conservative account emphasizes bond funds, targeting 60-95% in bonds and 0-5% in cash [7][11] - The Growth account is similar to the Aggressive account, focusing on equity funds with the same asset allocation goals [8][12] - The Enhanced Index account also targets index funds with a similar allocation strategy as the Index account [9][12] - The Balanced Allocation account combines hybrid and equity funds, aiming for a balanced asset allocation [10][12] - The Hedging account primarily invests in money market funds, with a 100% investment in cash equivalents [11][12] Financial Performance - The investment accounts have shown varying annual returns since their establishment, with specific performance metrics outlined for each account type [13][14] - The financial assets of the investment-linked insurance accounts are classified at fair value, with changes recorded in the current period's profit and loss [14] - The investment return rates are calculated based on the selling prices of investment units at the beginning and end of the reporting periods [14]