利率最高超4% 专属商业养老保险成绩单出炉

Core Viewpoint - The exclusive commercial pension insurance has shown competitive settlement interest rates for 2025, ranging from 0.75% to 4.02%, with most products exceeding 3% despite a general downward trend in preset interest rates in the industry [1][3]. Group 1: Product Performance - A total of 37 exclusive commercial pension insurance products have disclosed their 2025 settlement interest rates, with the stable accounts averaging 3.2% and aggressive accounts averaging 3.12% [3]. - The majority of products have settlement interest rates above 3%, with 30 stable accounts and 34 aggressive accounts exceeding this threshold [3][4]. - Some products, such as those from Guomin Pension and Xinhua Pension, have settlement interest rates of 4.01% and 4% respectively [4]. Group 2: Investment Strategy - The steady returns of exclusive commercial pension insurance are attributed to rigorous investment strategies and unique policy positioning, utilizing a "fixed income base, equity enhancement" asset allocation model [4][6]. - Insurance companies focus on long-term government bonds and high-grade credit bonds to secure stable returns, while also investing in high-dividend, low-volatility blue-chip stocks [4][6]. - Active management capabilities of insurance companies have improved, allowing for dynamic adjustments in investment portfolios to capitalize on market opportunities [6]. Group 3: Market Trends and Future Outlook - The exclusive commercial pension insurance has evolved since its pilot in 2021, becoming a significant component of the multi-tiered pension system in China, with increasing demand due to aging population trends [1][7]. - Recent policy support has encouraged the development of third-pillar pension insurance, promoting the creation of new products that align with personal pension systems [7][8]. - To enhance market competitiveness, insurance companies are advised to improve investment management and service quality, innovate product designs, and expand sales channels [8].