投资银发时代：践行高质量发展，中邮基金与您共绘养老新蓝图

Group 1 - The core theme of the event is "New Era, New Fund, New Value," focusing on the high-quality development of public funds in Beijing and emphasizing financial inclusion and investor education [1] - The initiative is guided by the Beijing Securities Regulatory Bureau and involves collaboration among various stakeholders, including public fund managers and sales institutions [1] Group 2 - Retirement financial planning faces unique challenges, including the cessation of active income, rising medical expenses, decreased risk tolerance, and the need to combat longevity risk [2] - A robust retirement financial plan should resemble a pyramid structure, with a solid foundation and clear layers [3] Group 3 - The base of the pyramid should consist of safe and stable assets (50%-70% allocation), including savings, government bonds, money market funds, and medium to long-term pure bond funds, aimed at generating stable cash flow [4] - The middle layer should focus on growth engine assets (20%-40% allocation), such as mixed bond funds and balanced mixed funds, to combat longevity risk and inflation [5] - The top layer should include long-term assets (10%-20% allocation) like equity mixed funds, which are intended for long-term capital appreciation [6] Group 4 - Zhongyou Fund emphasizes the importance of personalized and humanized services for investors, particularly the elderly, in line with the high-quality development goals [7] - The company suggests a three-bag planning approach: daily expenses, health emergency funds, and growth investments, with a focus on safety and returns [8][9] - It advocates for dynamic adjustments in investment strategies as individuals age, gradually increasing the allocation to safer assets [10] Group 5 - The company encourages trust in professional management and patience in investment, highlighting the importance of long-term planning for retirement [11]