收益放大？产品怎么选？这才是个人养老金的正确打开方式！

Core Insights - The article emphasizes the importance of actively managing personal pension accounts beyond just opening them, highlighting the need for appropriate product selection and asset allocation to enhance retirement savings [1] Product Selection - Personal pension accounts can invest in four main product categories: savings deposits, public funds, financial products, and commercial pension insurance, each with distinct characteristics [2][3][4] - Savings deposits offer high safety and stable returns but may only slightly exceed inflation over the long term, limiting growth potential [2] - Financial products present a risk-return profile between deposits and funds, providing operational flexibility [3] - Public funds have significant long-term return potential but come with higher net value volatility, requiring a certain level of risk tolerance [3] - Commercial pension insurance is suitable for those with lower risk tolerance seeking stable retirement security [4] Importance of Insurance Products - Insurance products play a crucial role in retirement planning by providing stability and long-term benefits [5] - For example, whole life insurance products can guarantee survival benefits at predetermined ages, offering a reliable tool against longevity risk [5] - Insurance policies also provide risk coverage during the policy term, ensuring financial support for beneficiaries in case of unforeseen events [5] - The cash value of insurance products is clearly stated in contracts, providing clients with a tangible sense of security [5] Product Configuration Based on Risk Preference - There is no perfect product; a combination strategy is recommended [8] - Risk-seeking individuals may increase their allocation to fund products while including a small portion of insurance, deposits, and bank financial products to pursue higher returns [8] - Risk-averse individuals should focus on insurance and savings products to ensure the safety and stability of most funds [9] - A balanced approach involves a core combination of funds and insurance, using funds for growth and insurance for securing benefits and protection [10]