UP向上，投资有温度︱长寿时代下的资产配置新机遇

Group 1 - The core concept of the article emphasizes the importance of asset allocation planning in the context of an aging population and the challenges posed by declining pension replacement rates [3][4] - The initiative "UP向上，投资有温度" by 中信保诚基金 aims to provide comprehensive wealth management support throughout the investor's life cycle, focusing on investor education and professional investment decision-making [1][8] - The event in Hainan specifically addressed the new opportunities for asset allocation in the "longevity era," highlighting the need for proactive financial planning to ensure adequate retirement resources [3][4] Group 2 - The article discusses the demographic changes in China, including a significant drop in birth rates and an increase in life expectancy, which are leading to a declining pension dependency ratio, projected to fall to 2.3:1 in the future [3][4] - It emphasizes that diversified asset allocation is essential for achieving stable retirement outcomes, as relying solely on social security is insufficient for maintaining a quality lifestyle [4][6] - Public funds are positioned as a crucial component in addressing the pension funding gap and enhancing the pension security system, with a diverse product matrix that caters to various retirement needs [6][7] Group 3 - As of September 30, 2025, the number of personal pension funds has reached 302, with over 98% of these funds generating positive returns since their inception, providing investors with a wider range of retirement investment options [7] - The article highlights that public funds not only serve as financial products but also play a vital role in building a multi-tiered and sustainable pension security framework, complementing basic pension insurance and corporate annuities [7][8] - The company plans to continue its initiatives to support investors in their asset allocation journey, ensuring that retirement expectations are met with solid financial backing [8]