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].

Core Viewpoint - The expansion of personal pension financial products in China is a natural trend in the market, with a significant focus on fixed-income products, indicating a maturation and refinement of the market [1][2][3]. Group 1: Product Overview - As of August 26, 2023, there are 37 personal pension financial products available, with fixed-income products accounting for over 80% of the total [2][3]. - The latest additions from China Post Life include two products with a focus on "low volatility and stability," featuring minimum holding periods of 18 months and 2 years [2][3]. - The investment strategy for these products follows a "fixed income base with equity enhancement" approach, allocating at least 80% to low-risk assets and up to 20% to equities and derivatives [2][3]. Group 2: Market Dynamics - The personal pension financial product market has seen a significant increase, with a total balance of over 15.16 billion yuan as of June 2025, reflecting a 64.7% growth since the beginning of the year [4]. - The number of investors opening accounts for personal pension financial products has surpassed 1.439 million, marking a 46.2% increase [4]. - The average annualized return for these products has exceeded 3.4%, with total earnings for investors surpassing 390 million yuan [4]. Group 3: Future Trends - Analysts predict four major changes in the market: increased product variety, more flexible product designs, a shift towards differentiated competition, and the integration of service scenarios [5]. - The market is expected to become more differentiated and specialized, with competition focusing on additional services to enhance customer experience [5]. Group 4: Investment Strategies - Investors are advised to choose products based on their age and risk tolerance, with younger investors encouraged to select higher-risk, longer-term products, while those nearing retirement should focus on low-risk fixed-income products [6][7]. - For short-term planners, products with shorter holding periods and good liquidity are recommended, while long-term investors should consider longer-term products for stable asset growth [6][7].

Group 1: Central Bank Operations - The central bank conducted a 7-day reverse repurchase operation amounting to 405.8 billion yuan at an interest rate of 1.40%, unchanged from previous rates, indicating a stable monetary policy aimed at providing sufficient market liquidity to stabilize financial markets and economic activities [1] Group 2: China Ping An's Performance - China Ping An reported a 39.8% year-on-year growth in new business value for life and health insurance, reaching 22.335 billion yuan, reflecting the company's strong development momentum in the insurance sector [2] - The operating profit attributable to shareholders for the first half of 2025 was 77.732 billion yuan, a 3.7% increase year-on-year, with a stable cash dividend level, proposing a mid-term dividend of 0.95 yuan per share, up 2.2% [2] Group 3: Personal Pension Financial Products - The release of the ninth batch of personal pension financial products included two new products from China Post Investment, both with a minimum holding period of 18 months and 2 years, and classified as medium-low risk [3] - The investment nature of these new pension products is fixed income, primarily investing in bonds while including a small portion of equity and derivative assets, indicating a growing market focus on personal retirement financial services [3] Group 4: Consumer Loan Policy Preparations - Banks are actively preparing for the implementation of the personal consumption loan fiscal subsidy policy starting September 1, with many banks already launching related consultation functions to assist customers [4] - The proactive measures taken by banks to prepare for the "national subsidy" business in consumer loans suggest an intention to stimulate short-term consumer demand and enhance economic vitality in the current macroeconomic environment [4] Group 5: U.S. Federal Reserve Leadership Change - President Trump announced the immediate dismissal of Federal Reserve Governor Lisa Cook via social media, indicating potential shifts in U.S. monetary policy leadership [5]

8月26日，中国理财网发布第九批个人养老金理财产品名单，中邮理财新增2只个人养老金理财产品。至此，理财 登记中心已支持6家理财公司成功发行37只个人养老金理财产品。 据了解，本次新增个人养老金理财产品投资性质均为固定收益类，主要投资于债券等固定收益类资产，同时配置 少量权益类资产及衍生品资产。 有业内人士认为，个人养老金理财产品均为长期产品，权益投资和其搭档，通过"做时间的朋友"能有效平抑权益 资产波动，符合长期投资的特点。此次个人养老金理财产品扩容后，可以更好地满足广大群众的养老需求，有利 于构建多元化、个性化的投资组合，增加投资者的选择范围。 新增两只产品将少量配置权益类资产及衍生品资产 金融监管资深专家周毅钦指出，该产品在业绩比较基准形式上，采用了指数组合方式，更符合金融监管部门的政 策引导方向，这种方式比传统单一固定业绩比较基准更科学、更透明，能更清晰传递产品的风险收益特征，反映 投资策略、底层资产与金融市场表现的关系，投资者也可借此了解投资方向与资产配置比例。 "权益类资产虽有波动风险，但长期看能提升收益空间，和以债券为主的固定收益类资产搭配，可在控制风险的同 时，通过多元资产配置追求更高回报。"周 ...

Group 1 - The core viewpoint of the article is the introduction of two new personal pension wealth management products by China Post Wealth Management on August 26 [1] - As of now, the Wealth Management Registration Center has assisted six wealth management companies in issuing a total of 37 such products since the first batch was launched in February 2023 [1] - A total of 21 commercial banks are currently participating in the distribution of these personal pension wealth management products [1]

钛媒体App 8月26日消息，中国理财网8月26日发布第九批个人养老金理财产品名单，中邮理财新增2只 个人养老金理财产品。本次新增个人养老金理财产品投资性质均为固定收益类，主要投资于债券等固定 收益类资产，同时配置少量权益类资产及衍生品资产。2023年2月首批个人养老金理财产品正式推出， 截至目前，理财登记中心已支持6家理财公司成功发行37只个人养老金理财产品，目前市场上共有21家 商业银行参与代销。（广角观察） ...

中邮理财 理财非存款 产品有风险 投资须谨慎 广告 PSBC WEALTH MANAGEMENT I ■ 成为全民热议话题, 养老金账户 截至2024年3月22日,产品合计规模为2.89亿份 真主体育 0 44 4 2 1 2 累计服务客户0.94万户, 其中心额 0.56元间 代销机构 邮储银行、招商银行、兴业银行、 平安银行、宁波银行、光大银行 数据来源: 理财产品净值公告: 成立以来年化收益率:用本期单位净值与产品成立 时的净值比较,而非最终持有期到期收益率;成立以来年化收益率=(本期产品单 位净值-1)/(本期估值日期-产品成立日前一日)*365;最大回撤指的是在考察时间 范围内任一历史时点往后推,产品净值走到最低点时的收益率回撤幅度的最大值。 理财产品过往业绩不代表其未来表现,不构成对任何新发理财产品业绩表现的保 证,不等于理财产品实际收益,投资须谨慎。 添颐・波锦霞短時1825天 高(6253) 个人养老金理财产品不断上新， 「香」在哪 中邮理财旗下3只 个人养老金理财产品的"成绩单"! 点击 为你的"养老小金库" 挑选最合适的"理财小伙伴"! 2023年. 中邮理财积极响应国家个人养老 金政策的 ...

Core Viewpoint - Bank of China Wealth Management has launched two new personal pension products to provide more investment options for retirement funds, emphasizing the importance of enhancing the third pillar of national pension systems [1][2]. Group 1: Product Offerings - The newly launched products include "Fu" Fixed Income Enhanced 368-Day Holding Period Wealth Management Product and "Ji" Fixed Income Gain 3-Year Holding Period Wealth Management Product, catering to diverse investor needs [1]. - The "Fu" series products have achieved an average annualized return of 3.98% since inception, with an average maximum drawdown of approximately 0.5%, indicating strong performance and investor acceptance [1]. - Both new products are classified under different risk levels, with "Fu" being R2 and "Ji" being R3, and they offer preferential fee rates without charging excess performance fees [1]. Group 2: Investment Strategy - The investment strategy for the new products focuses on constructing long-term investment portfolios that primarily allocate to high-grade credit bonds and fixed-income assets, while also incorporating a reasonable equity allocation [2]. - The "Ji" product will particularly target advantageous industries and high-quality companies in China, aiming to enhance portfolio yield through long-term investments [2]. Group 3: Service Enhancement - The company plans to improve the service quality of pension products by enhancing purchase convenience, strategy adaptability, and integration with retirement scenarios [3]. - Future initiatives include expanding sales channels for pension products to reach a broader investor base and developing a diversified product strategy that aligns with the lifecycle needs of investors [3]. - The company aims to integrate financial products with retirement services, creating a "Wealth Management + Pension" ecosystem to improve the quality of life for retirees [3].

Group 1 - The eighth batch of personal pension financial products was released on May 27, increasing the total number of such products to 35 [1] - Two new products were added by Bank of China Wealth Management: "Bank of China Wealth Management 'Fu' Fixed Income Enhanced 368-Day Holding Period Product" and "Bank of China Wealth Management 'Ji' Fixed Income Gain 3-Year Holding Period Product," both of which are daily open fixed-income products with risk levels of 2 (medium-low) and 3 (medium) respectively [1] - The performance benchmark for the former product is set between 1.95% and 3.70% (annualized), while the latter's benchmark is based on a combination of the Bank of China RMB demand deposit rate, the CSI 300 index return, and the China Bond Composite Wealth Index (1-3 years) [1] Group 2 - As of March 31, 2025, the average annualized return of 14 existing personal pension financial products using enhanced strategies is estimated to be approximately 3.27%, indicating strong performance in terms of positive returns and stability [1] - The implementation plan for high-quality development of pension finance, issued in March, supports qualified commercial banks, insurance institutions, wealth management companies, and trust companies in providing enterprise annuity and occupational annuity fund management services [2] - This initiative is expected to enhance the pension management business of wealth management companies and raise the standards for their investment research capabilities and product operation management [2]

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