提前筹备、主动规划，长寿时代让您养老不“慌”不“茫”

Core Viewpoint - Financial institutions must deeply understand and meet the urgent needs of the elderly population regarding wealth preservation, stable growth, flexible withdrawals, and inheritance planning, as this is essential for high-quality development in a rapidly aging society [1] Group 1: Event Overview - On the Double Ninth Festival, Shanghai Bank Wealth Management and 21st Century Business Herald launched an online dialogue event titled "Wealth Forever: Shanghai Wealth Asset Allocation Festival" [1] - The event featured Professor Peng Xizhe from Fudan University, who discussed the population structure of Shanghai and how to scientifically plan for elderly life [1] Group 2: Elderly Population Insights - In Shanghai, 39% of the registered population is over 60 years old, and 29.4% are over 65, indicating a significant aging trend comparable to Japan [1] - The concept of "active elderly" should replace negative stereotypes associated with aging, emphasizing that retirement does not equate to a decline in life quality [2] Group 3: Financial Planning for Longevity - The approach to retirement planning has shifted from "consuming savings" to "long-term management," focusing on sustaining wealth over 30-50 years [2] - Financial planning now aims to support a vibrant "second life" rather than merely ensuring financial security [2] Group 4: Health and Financial Security - Health is prioritized over merely accumulating wealth, as it is crucial for maintaining the ability to generate income and avoid unexpected medical expenses [3] - The newly launched "Anxin Yixuan Changying (You Enjoy Dividend)" series by Shanghai Bank Wealth Management aims to provide sustainable cash flow for elderly clients [3] Group 5: Asset Allocation Strategies - A diversified asset allocation strategy is recommended, combining various financial products to achieve risk hedging and long-term stability [4] - The traditional view of inheritance should shift towards pre-planning and orderly gifting during one's lifetime to avoid disputes and witness family joy [5] Group 6: Market Demand for Elderly Financial Products - There is a mismatch in supply and demand for financial products tailored to the elderly, with a focus on safety and stability rather than high returns [6] - Bank wealth management products, primarily fixed-income, are well-suited to meet the stable growth needs of elderly clients [6] Group 7: Financial Institutions' Role - Financial institutions must act as "gatekeepers" to prevent risks, emphasizing the importance of choosing reputable and regulated entities [7] - Investor education is crucial to help clients understand the importance of stability over high returns and to avoid scams [7]