首届“长江养老杯”养老金融模拟投资大赛来了！

Core Insights - The article discusses the increasing concern among young people in China regarding retirement planning due to the challenges of high housing prices, fast-paced lifestyles, and difficulties in parenting. This concern is seen as proactive planning for a high-quality later life rather than mere anxiety [2][3]. Group 1: Demographic Trends - By the end of 2024, the elderly population (aged 60 and above) in China is projected to reach 310 million, accounting for 22% of the total population. This demographic shift is driven by both declining birth rates and increasing longevity, marking the arrival of the "silver economy" earlier than expected [2]. Group 2: Retirement Planning Initiatives - The "Changjiang Pension Cup" retirement financial simulation investment competition has been launched to educate young people about retirement planning and investment strategies. This initiative is supported by the Shanghai Financial Industry Association and Fudan University's Insurance Application Innovation Research Institute [2][3]. Group 3: Investment Philosophy - The competition emphasizes the importance of long-term investment strategies, with the Ministry of Human Resources and Social Security reporting a cumulative return of 7.46% for enterprise annuities over the past three years. This shift in focus from annual returns to cumulative returns reflects a regulatory push towards long-term investment [3]. Group 4: Company Profile - Changjiang Pension, a subsidiary of China Pacific Insurance (Group), is dedicated to pension financial services and manages assets totaling 1.34 trillion yuan. The company has generated 340 billion yuan in investment returns for clients, with its performance in enterprise annuities ranking in the top half of the industry [3].