养老钱怎么存更划算？ 专属商业养老保险交“高分卷”

Core Insights - The overall performance of exclusive commercial pension insurance products for 2025 is strong, with over 80% of stable accounts showing settlement rates exceeding 3%, and some products surpassing 4% [1][2] Group 1: Settlement Rate Performance - A total of 38 exclusive commercial pension insurance products have disclosed their 2025 settlement rates, with stable account rates ranging from 2% to 4.35% and progressive account rates from 2.5% to 4.55% [2][3] - Among stable accounts, 30 products have rates of 3% or higher, accounting for nearly 80% of the total, while only one progressive account product has a rate below 3% [2] Group 2: Company and Product Highlights - Three insurance companies have seven exclusive commercial pension insurance products with settlement rates reaching 4% or higher, including two products from Agricultural Bank Life Insurance with rates of 4.35% for stable accounts and 4.55% for progressive accounts, which are the highest disclosed [3] - Other notable products include those from National Pension and Xinhua Pension, with rates also exceeding 4% for stable accounts [3] Group 3: Market Context and Development - Exclusive commercial pension insurance products are designed for long-term pension security, with funds locked in until the legal retirement age or 60 years old, featuring a "guaranteed rate + floating settlement" model [4] - As of January 17, there are 165 personal pension insurance products available, with 21 being exclusive commercial pension insurance products, indicating a growing market [5] - Despite a general decline in guaranteed rates for various insurance products, many exclusive commercial pension insurance products have still achieved considerable annual settlement returns, showcasing their robust asset allocation and risk management capabilities [5][6]