个人养老金账户购买储蓄国债有哪些益处？

Core Points - The inclusion of savings bonds in personal pension accounts is a significant development aimed at enhancing investment options for individuals [1][2] - The policy will be implemented starting June 2026, allowing investors to purchase electronic savings bonds through their personal pension accounts [1][2] - This move is expected to diversify low-risk investment options and provide stable returns, aligning with the needs of conservative investors and the elderly [2] Group 1: Benefits for Residents - The inclusion of savings bonds increases the variety of investment products available in personal pension accounts, which now encompass five major categories: funds, wealth management, savings, insurance, and bonds [1][2] - Savings bonds are characterized by fixed returns and high safety, making them suitable for conservative investors and those seeking stable long-term growth [2] - The expansion of the product pool in personal pension accounts is anticipated to enhance investor engagement and address the current issue of low contribution rates despite high account openings [2] Group 2: Investment Process - Investors will need to open a dedicated savings bond account at a financial institution authorized to offer personal pension services, which includes 40 commercial banks from 2024 to 2026 [3] - The dedicated account will track the purchase details of electronic savings bonds and will be linked to the investor's personal pension fund account [3] - The purchasing process is designed to be user-friendly, with services available through various channels such as bank branches, mobile banking, and online banking [3]