新浪财经·2025-11-26 11:07Core Viewpoint - The report emphasizes the increasing awareness and proactive planning of retirement among Chinese residents, highlighting a shift from traditional views to a more integrated approach to retirement wealth management and services [2][3][4]. Group 1: Awareness and Planning - Recent surveys indicate that respondents believe around age 37 is the optimal time to start retirement planning, showing a trend towards younger planning ages while remaining stable over the years [4]. - There is a significant decline in the younger demographic (ages 18-34) who feel they are "too young to worry," dropping from 78% in 2023 to 47% in 2025, indicating a shift in mindset towards planning [4]. - Among respondents under 50, 85% are actively engaged in monthly retirement planning, reflecting a strong awareness and willingness to act [4]. Group 2: Supply and Demand Dynamics - The low-interest-rate environment and increasing longevity have led to a shift in retirement investment from "safety-first" savings to "diversified asset allocation" [6]. - Financial product offerings have expanded, including personal pension accounts that now encompass government bonds, specific retirement savings, and index funds, enhancing the variety available for retirement planning [6]. - The core demands of respondents have evolved from merely preserving capital to seeking comprehensive services that integrate finance with health, care, and leisure [6]. Group 3: Integrated Financial Services - The report suggests that retirement financial services are transitioning from single-product offerings to a comprehensive service system that balances returns, safety, and quality of life [6]. - Financial institutions are innovating continuously, leading to more refined product structures that closely integrate with retirement services and leverage digital technology [6]. Group 4: The CITIC Solution - Since 2009, CITIC Bank has focused on the full lifecycle of customer retirement needs, establishing a unique "Happiness+" retirement financial service system [8]. - CITIC Bank has developed a comprehensive ecosystem for retirement financial services by leveraging its full financial license and extensive industrial coverage, integrating wealth management, health care, and home living [9]. - The bank is committed to educating the elderly on retirement financial knowledge, publishing resources that address core needs such as retirement security, quality of life, and intergenerational wealth transfer [9]. Group 5: Commitment to Quality Development - CITIC Bank aims to innovate retirement financial products and services, adhering to a customer-centric approach while collaborating with industry partners to promote the deep integration of retirement finance and services [10].