个人养老金理财产品扩容

Core Insights - The recent addition of two personal pension wealth management products by China Post Wealth Management has increased the total number of such products to 37 [1][4] - The new products are designed with holding periods of 18 months and 2 years, maintaining a risk level classified as medium-low [2][3] - The overall market for personal pension wealth management products has shown stable returns, with an average annualized net asset value growth rate of 3.65% [4][5] Product Details - The newly launched products include the China Post Wealth Management Tianyi·Hongjin 18-month holding period product and the 2-year holding period product, both categorized under medium-low risk [2][3] - The range of products now includes various holding periods from 1 year to 5 years, catering to different investor needs and age groups [3] Market Performance - As of August 25, the average net asset value growth rate for 30 personal pension wealth management products has been 7.51%, with all products achieving positive returns [4] - The investment strategy for these products focuses on low volatility and stable returns, primarily investing in fixed-income assets while allowing a small portion in equities [5][6] Industry Context - The personal pension system was rolled out nationwide in December 2022, leading to an increase in the supply of pension wealth management products [4] - The market is supported by various stakeholders, including policies and financial institutions, which are expected to drive the stable development of the pension wealth management sector [6]