养老钱怎么存更划算？这类产品最高超4%

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] - 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 of China Life Insurance with rates of 4.35% for stable accounts and 4.55% for progressive accounts [3] - National Pension's products "National Common Prosperity C01" and "C02" have stable account rates of 4.01% and 4.02%, respectively, while Xinhua Pension's products also exceed 4% for stable accounts [3] Group 3: Market Context and Trends - Exclusive commercial pension insurance products are designed for long-term pension security, with a dual-account structure to cater to different risk preferences, featuring a mix of fixed-income assets and equity investments [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, reflecting strong asset allocation and risk management capabilities [6]