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Core Viewpoint - The inclusion of electronic savings bonds into personal pension products is expected to enhance investment options for individuals, providing a safer and more stable investment choice for retirement planning [7][8]. Group 1: Introduction of Electronic Savings Bonds - The Ministry of Finance and the People's Bank of China announced that electronic savings bonds will be included in personal pension products starting from June 2026 [1]. - The notification outlines the procedures for purchasing electronic savings bonds through various channels, including mobile banking and online banking [2]. Group 2: Advantages of Electronic Savings Bonds - Electronic savings bonds are non-transferable RMB bonds issued by the Ministry of Finance, backed by the government's credit, ensuring high safety and reliability [3][4]. - They offer flexible liquidity, allowing early redemption after holding for a specified period [4]. - Interest income from these bonds is exempt from personal income tax, and the issuance rate is generally higher than that of bank fixed deposits of the same term [4]. Group 3: Issuance and Distribution - The issuance quota for electronic savings bonds to pension investors will follow the existing management guidelines, with specific quotas allocated to various institutions [5]. - The distribution ratio of exclusive quotas for pension investors will be adjusted quarterly based on the investment amounts in pension accounts [5]. Group 4: Impact on Investment Options - The inclusion of electronic savings bonds expands the range of personal pension products, allowing investors to create diversified portfolios that cater to different risk appetites [7]. - This move is expected to enhance the supply structure of pension products, filling the gap for high-credit-rated bond products and attracting more investors to the personal pension market [8].