37岁成养老规划的“较好起点”，多元金融破解养老配置难题

Group 1 - The core viewpoint of the article highlights the shift in China's retirement investment strategy from traditional savings to diversified asset allocation due to the slowing appreciation of financial assets in a low-interest-rate environment and the increasing demand for retirement funds driven by longer life expectancy [1][4] Group 2 - The report from CITIC Bank indicates that the awareness and willingness to plan for retirement among residents have significantly increased, with respondents generally agreeing that around the age of 37 is an appropriate time to start retirement planning [1][3] - The average age for initiating retirement planning is becoming younger, with a stable recognition of starting around 37 years old over the past three years, particularly among the younger demographic [3] - In 2023, 78% of the 18-34 age group believed they were "still young and not in a hurry," but this percentage is expected to drop to 47% by 2025, indicating a shift in mindset towards proactive retirement planning [3] - The focus of retirement planning is shifting from "whether to plan" to "how to plan," with 85% of respondents under 50 indicating they have monthly retirement planning [3] - Respondents' core demands for retirement finance are evolving from "capital preservation and appreciation" to a comprehensive service model that includes finance, health, care, and cultural leisure [3] Group 3 - The supply of retirement financial products in China is continuously expanding and upgrading, with personal pension accounts now including government bonds, specific retirement savings, and index funds to enhance investment options [4] - Recent policy support for the silver finance market includes the expansion of pilot retirement financial products nationwide and an increase in the fundraising limit for individual financial companies [4][5] - The new policy encourages financial companies to invest in long-term quality assets that match retirement characteristics, thereby broadening the scope for retirement financial services and enhancing the retirement financial product system [5]