父亲节特辑：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. It highlights four main financial products for retirement planning: pension funds, high-dividend funds, regular cash flow combinations, and pension annuities [2][5][8][88]. 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 [5]. - The second pillar is enterprise annuities, which are not widely adopted in China and are mainly found in economically developed regions and certain industries [6][7]. - The third pillar consists of personal pensions, where individuals invest their own money to prepare for retirement, significantly impacting the disparity in retirement benefits [8]. Group 2: Financial Products for Retirement Planning - The first product is pension funds, which can be invested through personal pension accounts, offering tax benefits for high-income individuals [11][12]. - The second product is high-dividend funds, characterized by high dividend yields, suitable for long-term holding to generate income [32][34]. - The third product is regular cash flow combinations, such as the "Monthly Salary Treasure" investment strategy, which provides stable cash flow regardless of market fluctuations [46][48][50]. - The fourth product is pension annuities, which offer stable cash flow with minimal volatility, making them suitable for those seeking predictable income in retirement [61][62][66]. Group 3: Recommendations for Different Retirement Stages - For retired individuals, the "Monthly Salary Treasure" combination is recommended to ensure regular cash flow [77][79]. - For those not yet retired, a combination of the "Monthly Salary Treasure" and pension annuities is suggested, allowing for flexibility based on risk tolerance [80][81][86].