李敬：养老金融产品的核心竞争力在于其能否真正契合养老资金的内在要求，并嫁接好优质的养老康养服务

Core Viewpoint - The core competitiveness of pension financial products lies in their ability to meet the long-term, safety, and yield requirements of pension funds while integrating high-quality elderly care services [3][6]. Group 1: Development of Pension Products - There is a need to develop pension products with exclusive "pension" characteristics, as many current products are not significantly different from ordinary financial products [3][6]. - Future focus should be on creating long-term pension financial products with strategies like target date and target risk, providing professional and hassle-free solutions for participants lacking investment experience [3][6]. Group 2: Integration of Products and Services - The ultimate goal of pension wealth is to purchase high-quality services for later life [3][6]. - Product innovation should extend beyond just capital appreciation to include integration with physical elderly care services, developing products that secure future rights to community residency and priority access to professional rehabilitation care [3][6]. - This approach aims to bridge the gap between pension wealth accumulation and consumption, ensuring a seamless transition from savings to service delivery [3][6].