报告：37岁成养老规划较好起点

Group 1 - The core viewpoint of the article highlights the shift in China's resident pension investment from traditional savings to diversified asset allocation due to the slowing appreciation of financial assets in a low-interest environment and the increasing demand for retirement funds driven by longer life expectancy [1][2] - The report from CITIC Bank indicates that the awareness of pension planning among residents has significantly increased, with a consensus forming around the age of 37 as an optimal starting point for retirement planning, which has remained stable for three consecutive years [1] - There is a notable change in the mindset of the younger demographic, with a decrease from 78% in 2023 to 47% in 2025 of those aged 18-34 believing that they are "still young and not in a hurry" to plan for retirement, indicating a proactive approach to retirement planning among the younger generation [1] Group 2 - The core demands of respondents regarding pension finance are evolving from "capital preservation and appreciation" to a comprehensive service model that includes "finance + health, care, and cultural leisure," with 70% of respondents wanting financial institutions to provide quality health management and medical services [2] - The supply of pension financial products in China is expanding and upgrading, with personal pension accounts now including government bonds, specific pension savings, and index funds, thereby enriching investment options [2] - Recent policy support for the silver finance market includes the expansion of pension financial product pilot programs nationwide and an increase in the fundraising limit for individual financial companies, which is expected to enhance the development of the pension financial product system and inject strong growth momentum into the silver finance market [2]