个人养老金三周年，你的计划进行到哪了？

Core Viewpoint - The article highlights the current state of personal pension accounts in China, emphasizing the high account opening rate but low investment activity, indicating a gap between awareness and action among investors [3][4][5]. Account Opening Status - 81.1% of surveyed investors have opened personal pension accounts, reflecting a strong awareness of the importance of retirement savings [4]. - However, 73.78% of these investors remain in a "just opened but not invested" state, indicating a significant barrier in transitioning from willingness to invest [5][6]. Investment Barriers - The primary barrier to investment is a lack of understanding of products and policies, which hinders decision-making [8]. - 33.54% of investors lack confidence or knowledge about the products, while 30.49% do not understand policy details [9]. Participation Motivation - Tax incentives are the main driving force for participation in personal pensions, with 34.15% of investors citing it as the key motivator [10][11]. - There is a notable lack of awareness regarding the value of professional management in long-term asset growth [10]. Investment Preferences - FOF (Fund of Funds) and index funds are the most favored investment options, reflecting a desire for stable growth and transparency [12]. Overall Evaluation - Nearly half of the users hold a neutral or positive view of the personal pension system, recognizing its long-term value for retirement savings [14]. - However, over 20% of users report dissatisfaction, primarily due to liquidity issues, indicating a mismatch between product design and user needs [14]. Core Demands - Investors' needs have shifted from "should I invest in personal pensions" to "how to invest more effectively," with a strong demand for product evaluations and investment strategy guidance [16][17]. - There is a pressing need for professional, easy-to-understand content to help investors overcome cognitive barriers and transition from account opening to informed investing [19].