恒安标准养老保险董事长万群：个人要承担起养老的责任，提高养老认知和养老规划

Core Viewpoint - The 2026 Financial Annual Conference emphasizes the need for improved personal pension product selection and management, advocating for the use of intelligent technologies to enhance service quality and reduce barriers for investors [1][4]. Group 1: Personal Pension Product Challenges - The current landscape features thousands of personal pension products, making selection difficult for consumers [1][4]. - There is a call for commercial institutions to leverage advanced technologies to provide high-quality services at lower costs, thereby simplifying the decision-making process for investors [1][4]. Group 2: Individual Responsibility in Pension Planning - Individuals are identified as the primary responsible parties for their own pensions, and reliance solely on government, enterprises, or families is discouraged [2][5]. - There is a need for individuals to enhance their understanding of pension planning and take proactive steps in their long-term financial strategies [2][5]. Group 3: Solutions for Low Participation Rates - Three solutions are proposed to address the low willingness of young and low-income groups to engage in long-term pension savings: 1. Design systems that consider human behavior, introducing flexible participation mechanisms to lower entry barriers [3][6]. 2. Optimize product selection by implementing default investment options to reduce decision fatigue, allowing professional teams to manage pension funds for consumers [3][7]. 3. Utilize smart technologies to create tools that consolidate pension account information, helping individuals clearly understand their financial status and set savings goals [3][7]. Group 4: Collaborative Efforts for Pension System Improvement - The resolution of pension issues is seen as a gradual process requiring collaboration among government, market, and individuals [6][7]. - Continuous efforts in policy support, product innovation, and awareness enhancement are essential for establishing an effective multi-tiered pension security system to address aging population challenges [6][7].