养老年金险产品如何配置？专家给出重点建议

Group 1 - The core viewpoint of the articles emphasizes the growing importance of commercial pension insurance in enhancing retirement security, with individual pension accounts exceeding 150 million by the end of Q3 2025 [1] - The launch of the "Xinghai Winner Xuanwu Version (Dividend Type) Pension Annuity Insurance" by Hand Return Group and Fosun Baodexin Life Insurance addresses the pain points of personalized withdrawals and long-term value growth in retirement [1] - The founder of Hand Return Group highlights the new challenges posed by longevity, advocating for the integration of insurance, healthcare, and retirement to ensure dignity and quality of life in old age [1] Group 2 - As pension annuity products diversify, consumers are advised to focus on the investment management capabilities of insurance companies and historical dividend realization rates when selecting products [2] - Recommendations for younger individuals include choosing long payment periods with lower initial payments to leverage compound interest for retirement savings, while those nearing retirement should consider plans that allow for quicker access to benefits [2] - Flexibility in product features, such as the ability to switch withdrawal plans and liquidity of cash value, is crucial to meet unexpected financial needs [2]