上新！个人养老金理财产品扩容

Core Viewpoint - The article highlights the expansion of personal pension financial products in China, with the total number reaching 37, indicating a growing market for retirement planning solutions [2][9]. Product Overview - Two new personal pension financial products have been added by China Post Wealth Management, with minimum holding periods of 18 months and 2 years, both classified as level two risk (medium-low) [4][6]. - The new products maintain a "low volatility and stable" core positioning, investing at least 80% in low-risk fixed income assets and up to 20% in equities, aiming to reduce portfolio volatility and enhance investor experience [4][10]. Market Development - Following the recent additions, China Post Wealth Management now offers six personal pension financial products with varying minimum holding periods, catering to different liquidity and return balance needs for various age groups [6]. - As of August 2025, the scale of personal pension financial products from China Post Wealth Management is expected to exceed 20 billion yuan, with nearly 400,000 investors involved [7]. Performance Metrics - The average annualized net value growth rate for personal pension financial products stands at 3.65%, with a total average net value growth rate of 7.51% since inception for the existing products [8][9]. - The overall performance of personal pension financial products has yielded stable returns, primarily through investments in bond assets, while also adjusting strategies to include a proportion of equity assets for long-term stable returns [10].