个人养老金三周年：银行营销重点转向缴存，基金平均回报超13%

Core Insights - The personal pension system in China is entering its third year since the pilot launch on November 25, 2022, with banks and financial institutions actively promoting pension deposit activities to retain customers [1][2] - Personal pension financial products have shown promising returns, with an average yield of 13.54% since inception for pension funds and over 3% for pension financial products [1][8] Marketing Strategies - Banks have shifted their marketing focus from opening new accounts to incentivizing contributions, offering various rewards for depositors [2] - For example, China Construction Bank offers up to 656 yuan in rewards for contributions, while Industrial Bank provides opportunities for rewards up to 609.68 yuan [2] Product Offerings - The range of personal pension products is expanding, with 37 pension financial products, 305 fund products, 466 savings products, and 437 insurance products available as of November 26 [5] - Starting June 2026, savings bonds will be included in the personal pension product catalog, enhancing investment options for consumers [5] Performance Metrics - The majority of personal pension financial products are categorized as low to medium risk, with 67.57% classified as such, and 83.78% being fixed-income products [6] - The average annualized return for pension financial products since inception is 3.47%, with fixed-income products yielding an average of 3.55% [6] Fund Performance - Personal pension funds have performed well, with an average return of 13.54% since inception and 13.4% year-to-date [8] - Index funds, particularly those related to the STAR Market and ChiNext, have shown significant returns, with some achieving over 22% this year [8][9] Future Outlook - The personal pension market is expected to continue growing, driven by increasing investor participation and a broader array of investment products [2][5]