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Core Viewpoint - The expansion of the pilot program for pension financial products to nationwide will enhance the integration with the personal pension system, providing more investment options and addressing the growing pension pressure in China [1][2][3]. Group 1: Expansion of Pilot Program - The pilot program for pension financial products has been expanded from four cities in 2021 to ten cities in 2022, and now to nationwide coverage [2]. - The pilot program's duration has been extended to three years, allowing more financial institutions to participate [1][2]. - As of June 2025, the total balance of personal pension financial products reached 15.16 billion yuan, a 64.7% increase from the beginning of the year, with over 1.439 million investors participating [2]. Group 2: Encouragement of Long-term Investment - The program encourages long-term investments, with a focus on products with a minimum holding period of five years or longer [4]. - Financial institutions are supported to develop pension financial products that meet the long-term needs of participants [4]. - The initiative aims to diversify the supply of pension financial products and promote a sustainable pension planning mindset among investors [4]. Group 3: Fee Reductions and Value-added Services - The program includes provisions for fee rate reductions on management, sales, and custody fees for pension financial products [5]. - Investors can expect more personalized and comprehensive financial services, integrating pension product returns with health and elderly care scenarios [5]. Group 4: Risk Management and Product Authenticity - Financial institutions are required to enhance internal management mechanisms and risk prevention measures to ensure the stability of pension financial product investments [6]. - There are guidelines for investors to verify the authenticity of pension financial products, ensuring that misleading terms are not used in product names [6]. - Investors are advised to carefully read product descriptions and understand the risk-return characteristics of the underlying assets [6].