母亲节特辑：哪些金融产品，适合给父母做养老规划？

Core Viewpoint - The article discusses various financial products suitable for retirement planning, emphasizing the importance of understanding the three pillars of retirement: basic pension insurance, enterprise annuities, and personal pensions [2][4][5][7]. Group 1: Three Pillars of Retirement - The first pillar is basic pension insurance, commonly known as social security pensions, which helps meet basic needs after retirement [4]. - The second pillar is enterprise annuities, which are not widely adopted in China and are mainly found in economically developed regions and profitable industries [5][6]. - The third pillar consists of personal pensions, where individuals invest their own money for retirement, significantly impacting the disparity in retirement benefits [7]. Group 2: Financial Products for Retirement Planning - The article introduces four common financial products for retirement planning within personal pension accounts: pension funds, high-dividend funds, regular cash flow combinations, and pension annuities [12][54]. Pension Funds - Pension funds refer to public funds available for personal pension accounts, allowing tax deductions on contributions, which is beneficial for high-income individuals [10][11]. - Two main types of pension funds are discussed: pension FOF funds and index funds [13][19]. Pension FOF Funds - Pension FOF funds invest over 80% of their assets in other funds and are categorized into target date FOFs and target risk FOFs, with varying stock and bond allocations based on age [14][16][18]. Index Funds - As of March 31, 2025, there are 85 index funds included in personal pension accounts, covering 16 mainstream stock indices [20][22]. High-Dividend Funds - High-dividend funds, such as dividend index funds, are suitable for long-term holding, providing higher dividend yields over time [25][26]. Regular Cash Flow Combinations - The "Monthly Salary Treasure" investment combination offers approximately 6% annual cash flow, allowing flexible cash flow options [35][40]. - Investors can choose to receive cash flow weekly or monthly, with the total cash flow amount being stable over time [39][42]. Pension Annuities - Pension annuities provide a fixed annual income after a certain age, with minimal market volatility, making them suitable for those seeking predictable cash flow [55][58][61]. Group 3: Retirement Planning Strategies - For retirees, the "Monthly Salary Treasure" combination is recommended for immediate cash flow needs, while younger individuals can combine pension annuities and the "Monthly Salary Treasure" for a balanced approach [64][66]. - A hypothetical case illustrates a 50-year-old investing in both products to secure cash flow before and after retirement [67][71].