鼓励10年期以上 养老理财产品试点扩至全国

Core Viewpoint - The expansion of the pilot program for pension financial products from a local to a national level marks a significant step in developing China's pension financial service system, aiming to address the aging population and meet the growing demand for retirement wealth management [4][5][9] Summary by Sections Pilot Program Expansion - The pilot program for pension financial products has been officially expanded nationwide, aligning with the implementation scope of the personal pension system, with a trial period set for three years [3][4] - The number of participating institutions and funding limits have also been increased, allowing financial companies that meet specific criteria to raise funds up to five times their net capital after deducting risk capital [3][4] Product Features and Innovations - The new policy encourages the issuance of long-term pension financial products with a minimum holding period of five years or a term of over ten years, enhancing product innovation and flexibility [4][7] - Financial companies are supported in creating personalized pension accounts for investors, which will help track their holdings and assist in retirement planning [7][8] Long-term Investment Focus - The policy emphasizes the importance of long-term investment and value investment principles, requiring financial companies to establish robust long-term assessment mechanisms [8][9] - It aims to guide investors towards a sustainable pension planning approach, encouraging them to convert their long-term savings into pension financial products [9]