INDUSTRIAL BANK(SH:601166) 2 1 Shi Ji Jing Ji Bao Dao·2025-12-29 04:16Core Viewpoint - The aging population accelerates the need for effective management of retirement wealth, with commercial banks playing a crucial role in stabilizing returns amidst market fluctuations [1][3]. Group 1: Retirement Wealth Management Strategies - The core demand for retirement wealth management is "long-term stability," requiring banks to avoid significant capital losses while achieving reasonable growth [5]. - Commercial banks are transforming into "lifetime partners," implementing a comprehensive strategy that covers all stages of retirement planning, thus becoming the first line of defense against market volatility [6]. - A multi-faceted approach to asset allocation is essential, including precise customer profiling, diversified investments across various asset classes, and dynamic adjustments based on market changes [6][7]. Group 2: Tailored Services for Different Age Groups - For clients aged 30-50, banks increase the proportion of equity assets, promoting retirement target funds to help them accumulate wealth over the long term [7]. - For clients aged 50 and above, banks focus on "fixed income plus" strategies to ensure stable returns while managing risks, aligning with the priority of capital preservation [7]. Group 3: Comprehensive Solutions and Professional Support - The core capability of being a "lifetime partner" lies in providing one-stop, all-encompassing planning solutions that address retirement savings, medical insurance, and wealth inheritance [9]. - A robust team of over 3,000 retirement financial planners with diverse professional qualifications is crucial for delivering comprehensive retirement planning advice [9]. - Banks are enhancing product offerings, such as launching exclusive retirement products during promotional events to provide more choices for elderly clients [10]. Group 4: Trust and Emotional Support in Financial Services - Financial institutions must integrate emotional care into their services, as trust in the bank can help clients manage market volatility more rationally [12]. - Banks are upgrading services for the elderly, including accessibility improvements and personalized assistance to facilitate their banking experience [12][13]. - Initiatives like the "Respect for the Elderly Month" and the establishment of clubs for elderly clients foster social connections and address issues like information isolation and fraud risks [13][14]. Group 5: Evolving Demand for Retirement Wealth Management - With the full implementation of the personal pension system, the demand for retirement wealth management is expected to grow progressively [14]. - The banking sector's approach to retirement finance encompasses wealth planning, service assurance, and ecosystem development, effectively mitigating market fluctuations and providing a solid foundation for retirement wealth [14].