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 contributions and related services [1][4][5] Group 1: Marketing Strategies - Banks have shifted their marketing focus from account opening to encouraging contributions, with various rewards for depositors [4] - For instance, China Construction Bank offers up to 656 yuan in benefits for contributions, while Industrial Bank provides chances to win up to 609.68 yuan [4] - Many banks have implemented tiered reward systems for contributions, incentivizing higher deposits with increased rewards [4] Group 2: Product Performance - Personal pension financial products have shown an average return of over 3%, with pension funds averaging a return of 13.54% since inception [1][11] - As of November 26, 2023, the average annualized return for personal pension financial products is 3.47%, with fixed-income products averaging 3.55% [9] - The performance of pension funds has been notably strong, with 305 funds achieving an average return of 13.54% since inception, and some index funds yielding returns as high as 22.21% this year [11][12] Group 3: Product Offerings - The range of personal pension products is expanding, with 37 financial products, 305 funds, 466 savings products, and 437 insurance products available as of November 26 [7] - Starting June 2026, savings bonds will be included in the personal pension product catalog, enhancing investment options for consumers [7] Group 4: Risk Profile - Approximately 67.57% of personal pension financial products are classified as low to medium risk, primarily consisting of fixed-income products [9] - The overall risk profile aligns with the conservative nature of pension investments, catering to investors' lower risk tolerance [9]