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Core Viewpoint - The article emphasizes the importance of personal pension accounts for long-term retirement planning, highlighting tax benefits and exclusive investment products designed for steady accumulation over time [2][3]. Group 1: Investment Products - The "Beijia Target Risk Stable Fixed Income Product" offers a minimum holding period of 365 days with an annualized return of +3.95% since its inception on July 18, 2023, until December 31, 2025 [3]. - The "Jianxin Excellent Progress Pension Target Five-Year Holding Fund" has shown a one-year return of +22.19%, indicating strong performance in the market [3][6]. Group 2: Promotional Offers - New subscribers to personal pension accounts can enjoy five promotional benefits, including rewards for initial deposits and referrals, aimed at encouraging participation [4][5]. - Specific rewards include up to 88 yuan for first-time deposits and additional bonuses for reaching certain deposit thresholds, enhancing the attractiveness of the pension account [4][5]. Group 3: Performance Metrics - The "Jianxin Excellent Progress Pension Target Five-Year Holding Fund" achieved net value growth rates of 12.61% and 22.19% for the years 2024 and 2025, respectively, outperforming its benchmark rates of 11.62% and 15.23% [6].