近九成账户收益率超过3%！ 37款专属商业养老险交出2025年“成绩单”

Core Viewpoint - The exclusive commercial pension insurance products have shown impressive performance in the low interest rate environment, with various insurance institutions disclosing their 2025 settlement rates, indicating a robust investment opportunity for individuals seeking retirement security [1][3]. Group 1: Product Overview - Exclusive commercial pension insurance is designed for long-term personal retirement security, featuring simple underwriting, flexible payment options, and stable returns [1]. - There are currently 37 exclusive commercial pension insurance products with 76 accounts that have announced their 2025 settlement rates, with a range of 2% to 4.35% for stable accounts and 2.5% to 4.55% for aggressive accounts [3][4]. Group 2: Performance Metrics - Over 80% of stable accounts have settlement rates exceeding 3%, while only one aggressive account has a rate below 3% [3]. - Seven products have settlement rates reaching or exceeding 4%, with notable performances from products by Nongyin Life and Guomin Pension Insurance [4][5]. Group 3: Investment Strategy - The products are structured in two phases: accumulation and payout, utilizing a "guarantee + floating" return model, which allows for a mix of investment portfolios [4][6]. - The stable accounts generally invest in fixed-income assets, while aggressive accounts have a higher allocation to equity assets, aiming for higher returns [7][8]. Group 4: Market Outlook - Despite a general decline in guaranteed rates, the industry remains optimistic about the future of exclusive commercial pension insurance due to its unique advantages in combining protection and investment, as well as its ability to provide stable long-term returns [9].