聚焦养老金融可持续发展 业内共议养老财富管理新路径

Group 1: Core Perspectives - The development of pension and long-term life insurance is essential to address aging, with financial investments in modern industries providing long-term returns and enhancing elderly consumption capacity [1] - Effective pension wealth management is crucial for building an asset-based pension system, aligning with the central government's objectives for pension finance [1] - The need for public pensions to maintain basic support while adjusting replacement rates for different income levels is emphasized, alongside the development of appealing pension financial products [1] Group 2: Policy Recommendations - Continuous policy innovation is necessary to expand pension coverage and enhance fiscal support measures for personal pensions, including exploring tax incentives for low-income groups [2] - Improving investment research capabilities is vital to ensure the preservation and appreciation of pension wealth, while also enhancing service supply adaptability [2] - The integration of pension products with quality elderly care services is highlighted as a key competitive advantage in the pension financial market [2] Group 3: Multi-Pillar Development - Relying solely on pay-as-you-go systems or individual accumulation models is unsustainable; a multi-pillar approach to pension development is necessary for effective asset management [3] - Diverse financial institutions and younger demographics should participate in the development of pension services, reflecting the varied needs of the aging population [3]