2025专属商业养老保险结算利率公布 稳健型平均3.2%

Core Insights - The settlement interest rates for exclusive commercial pension insurance products for 2025 have been recently announced, showing a stable characteristic despite a general decline in preset interest rates in the market [1][3]. Group 1: Settlement Interest Rates - Over 37 exclusive commercial pension insurance products have disclosed their 2025 settlement interest rates, with the rates for stable accounts ranging from 1.5% to 4.01%, averaging 3.2%, while aggressive accounts range from 0.75% to 4.02%, averaging 3.12% [3]. - A significant majority of the products have settlement interest rates at or above 3%, with some products exceeding 4%. For instance, the highest rates are from Agricultural Bank of China Life Insurance's "Hundred Years of Life" products, with stable accounts at 4.35% and aggressive accounts at 4.55% [3]. - Compared to previous years, the settlement yields for 2025 show a mixed trend, with 13 out of 28 comparable products maintaining stable account rates, 9 decreasing, and 6 increasing. For aggressive accounts, 8 remained unchanged, 14 decreased, and 6 increased [3]. Group 2: Product Availability and Guarantees - Currently, some products in the market have been discontinued, resulting in a limited number of products available for sale. New products have seen a reduction in minimum guaranteed interest rates, but actual settlement rates have largely remained unchanged [4]. - For example, China Life's "Guoshou Xinxingbao" series has seen a decrease in the minimum guaranteed interest rate from 2% to 1.5%, yet the actual settlement yield remains at 3.2% across different versions [4].