公募基金作为专业资产管理机构，肩负着连接居民养老需求与资本市场长期价值的重要使命。个人养老 金基金为投资者提供了专业化、工具化、低门槛的资产配置选择，助力大众更便捷地实现养老财富规 划。从财富管理的角度看，公募基金不仅承担了为客户打理资产的职能，还在资管行业"以投资者为中 心"的转型背景下，积极发挥投资者服务的职能，解决客户"怎么投、投什么"等问题，为投资者提供更 加全面的养老金融服务。 过去三年，投资者从最初的政策观望转向主动规划，对"长钱长投"理念的认同不断加深，推动市场投资 逻辑从短期博弈向长期价值回归，这正是个人养老金制度对资本市场高质量发展的深层赋能。 专业护航 打造养老金融立体化体系 养老投资的本质是"跨越周期的价值守护"，需要在投研体系、产品布局与服务能力等多维度构建长期竞 争力。我们不仅提供优质的养老投资工具，更努力为每一份养老规划附上"使用说明书"，将养老金融的 大文章做细、做实。 在投研建设方面，建信基金以"宏观择时、中观择势、微观择优"的投资方法论为核心，完善战略战术配 置框架，充分发挥FOF产品资产配置的优势，从资产和策略的维度多层次挖掘收益来源。同时打造公司 的一体化投研体系，提升大 ...

Core Insights - The personal pension system in China has evolved significantly over the past three years, expanding from 36 pilot cities to nationwide implementation, with the number of fund products increasing from 129 to over 300, providing greater flexibility for investors [1][7] - The market for personal pensions has seen a notable recovery, with most products achieving positive returns since inception, and the total scale of pension funds reaching 15.11 billion [1][7] Group 1: Product Development - 华夏基金 has developed a diverse product line to meet various retirement investment needs, currently offering 22 pension funds, including 10 index funds, 8 target date funds, and 4 target risk funds [2][8] - The index funds track major indices such as the Sci-Tech Innovation Board and the ChiNext, benefiting from the recent market rebound [2][8] Group 2: Investor Education - The company emphasizes investor education through a comprehensive approach, combining online and offline initiatives, including forums, educational books, and dedicated online platforms for personalized investment guidance [3][9] - The "养老Y星球" platform provides tools for users to calculate retirement gaps and create personalized investment plans, enhancing the overall investment experience [3][9] Group 3: Institutional Collaboration - 华夏基金 has established deep collaborations with government entities and large enterprises to promote pension services, including customized financial services for state-owned enterprises [4][10] - The company actively participates in local initiatives to enhance public awareness of personal pensions, contributing to the expansion of the pension system [4][10] Group 4: Future Development Strategies - To enhance the attractiveness of personal pensions, the company suggests targeted strategies for different income groups, focusing on education for middle-income earners and incentives for low-income individuals [5][11] - The company aims to improve the integration of pension systems and enhance the portability of accounts, addressing the needs of a mobile workforce [5][11] - Continuous innovation in product offerings is emphasized to cater to diverse retirement planning needs, ensuring a wide range of investment options for participants [5][11] Group 5: Commitment to Quality Development - As a leader in the pension finance sector, 华夏基金 is committed to safeguarding public retirement wealth and driving high-quality development in pension services [6][12] - The company plans to leverage its expertise and collaborate with industry partners to build a more comprehensive and user-friendly pension financial service system [6][12]

Core Viewpoint - The company, as a pioneer in the domestic pension finance sector, is committed to implementing national strategies to address population aging, leveraging its strengths to develop a unique path in pension finance [1] Group 1: Pension Financial System Development - The company has been focusing on the multi-dimensional construction of the pension system, promoting the high-quality development of three major pillars of pension finance [2] - As of October 2025, the company has issued over 1.86 million financial social security cards, enhancing basic pension security [2] - The company has managed a balance of 5.8 billion yuan in pension-related funds and over 50,000 personal accounts in its supplementary pension services [2] Group 2: Third Pillar Business Achievements - The company has opened over 7.6 million personal pension accounts and accumulated over 3.8 billion yuan in contributions, ranking among the industry leaders [3] - The company has established a comprehensive pension financial service system centered around the "365 Action Plan" and published the "Pension Financial Development White Paper (2025)" [3] Group 3: Elderly Service Ecosystem - The company is upgrading its service model from functional to experiential, creating a warm and caring pension financial service ecosystem [4] - Initiatives include establishing a financial education base for the elderly and launching projects like facial recognition payment systems for senior dining services [4][5] Group 4: Policy Alignment and Industry Support - The company is closely following national policies on pension industry finance, establishing a service system supported by policies, resources, products, and ecosystems [6] - In the first three quarters of 2025, the company issued 120 loans totaling approximately 1.4 billion yuan across various segments of the pension industry [7]

Core Points - The Chinese capital market is at a critical stage of development planning, seeking clear direction amidst ongoing changes [1] - The "5th Century Golden Analyst Awards" will be announced on December 6, aiming to systematically review the research achievements and trends in the capital market over the past year [1] - The awards cover two main categories, reflecting the breadth and depth of research, including traditional fields and emerging sectors like robotics and innovative pharmaceuticals [1][2] Group 1 - The awards include the "Industry Analyst Award," which encompasses 33 subfields, including macroeconomics and fixed income [1] - New awards such as "Best Research Institution for Practicing Financial Five Articles" aim to align research efforts with national strategic directions in technology finance, green finance, inclusive finance, pension finance, and digital finance [1][2] - The "Best Think Tank Research Institution" award encourages institutions to conduct continuous and systematic research in macro strategy and industrial policy [2] Group 2 - The event will be part of the "Southern Finance International Forum," extending the awards ceremony into a broader communication platform [2] - The main forum theme will be "The Power of Consensus - Innovation Surge, China's Asset Revaluation," facilitating high-level discussions [2] - Multiple parallel meetings will be held, creating diverse dialogue opportunities for analysts, investment institutions, and listed companies [2]

为积极践行"金融五篇大文章"，深度融入国家社会保障数字化建设进程，近日，经国家人力资源与社会保障部批准，"农银人寿百岁人生（A款）"专属商业 养老保险产品正式入驻电子社保卡平台，为超10亿的电子社保卡用户提供安全稳健、多重保障、投资灵活的养老保险服务，积极助力养老"第三支柱"保险业 务高质量发展。 "农银人寿百岁人生（A款）"专属商业养老保险产品同时又是一款个人养老金产品，此次进驻人社部电子社保卡平台，是中国农业银行(个人金融部)与人社 部框架合作的重点工作，是不断拓宽养老金融服务新赛道的重要举措。 目前，该产品位于个人养老金专区四款保险产品首位，产品设计灵活，提供"保底+浮动"利率，百元起投，领取灵活，根据政策每年最高可享5400元个人所 得税税收优惠，为百姓提供"省心、省力、省钱"更具性价比养老金储备解决方案。 来源：金融界资讯 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 招商期货相关负责人表示，"我们相信，当'金融人民性'遇见'社区生命力'，金融将进⼀步走出专业概念 的"冷"，在可感知、可参与、可受益的路上拥有更多社会生活的'热'"。 招商实践：从商业成功到民生温度 作为活动的主要承办方，招商证券与招商期货将招商局集团"以商业成功推动时代进步"的使命，以及招 商证券"助力社会财富保值增值"的使命创新延伸至社区场景。可循环使用的投教集装箱、千杯"金融咖 啡"快闪、步数兑换社区AED等设计，既体现了专业能力，更彰显了民生关怀。 11月30日，一场名为"金融向善，共建共益"的社区公益金融实践在中国改革开放的出发点-深圳蛇口启 幕引发关注。这场由招商金控支持，招商证券、招商期货和腾讯金融消费者权益保护部承办的活动，以 其创新的"无感投教"模式，将金融知识自然融入社区咖啡馆、茶室和晨练身影中，吸引了大批社区居民 参与。 在深圳证监局、中共深圳市委金融委员会办公室、中国金融期货交易所指导下，由中金所投教基地、深 圳市居民金融素养提升工程办公室主办，深圳市证券业协会、深圳市期货业协会、深圳市财富管理协 会、蛇口社区基 ...

"十五五"时期是基本实现社会主义现代化的关键时期。随着党的二十届四中全会审议通过"十五五"规划 建议，清晰的战略路径已然铺就。在这一历史进程中，金融血脉如何更精准地服务实体经济，资本市场 如何更高效地赋能新质生产力，成为关系全局的重要议题。 在战略方向上，"十五五"规划建议提出"加快建设金融强国"，证券行业需立足资本市场枢纽定位，推动 科技、资本与产业高效循环，为实体经济提供更加精准有效的金融服务。 "截至2025年10月末，中信建投（601066）证券累计服务国家级专精特新及制造业单项冠军企业超2100 家，'小巨人'IPO保荐数量稳居市场前列，北交所IPO保荐数量及承销金额持续领先。未来，我们还将继 续加大投入，为新质生产力发展贡献更大力量。"正值中信建投证券股份有限公司（以下简称"中信建投 证券"）成立20周年之际，《金融时报》独家专访了中信建投证券股份有限公司党委副书记、总经理金 剑华。这份服务科技创新的高质量"成绩单"，是中信建投证券过往成果的总概括，也是未来继续深耕科 创金融、服务国家战略决心的体现。 在功能定位上，"十五五"规划建议提出"积极发展股权、债券等直接融资，稳步发展期货、衍生品和资 产 ...

"十五五"规划建议提出，"积极应对人口老龄化，健全养老事业和产业协同发展政策机制"。国家卫 生健康委数据显示，2035年我国60岁以上人口将突破4亿，占比超30%，养老问题正成为关乎国计民生 的"时代命题"。 从2023年中央金融工作会议将养老金融列为金融高质量发展"五篇大文章"之一，到2024年《关于金 融支持中国式养老事业服务银发经济高质量发展的指导意见》印发，国家对养老事业和养老金融的重视 程度空前。破解"中国式养老"这道难题，金融行业重任在肩，信托作为金融行业的组成部分，该如何 做？ 从"老有所养"到"老有所享"的晚年品质保障 "把自己的养老安排妥帖，把财富的规矩立好，才是对全家最稳的保障。"张女士（化名）刚签署完 信托文件，语气里藏着卸下重担的从容。这份由她和先生同时作为委托人共同设立的家族信托，总规模 达5040万元，而这份信托的设立也为这个家庭筑起了一道跨越两代人的财富"安全网"。 张女士的考虑是许多高净值家庭的缩影。据提供信托服务的昆仑信托相关工作人员介绍，除了资产 隔离、财富传承等考虑外，张女士设立信托的目的也与养老有关。年过50的她经营着一家企业，事业蒸 蒸日上，却也被心事牵绊，如子女未来 ...

"十五五"时期是基本实现社会主义现代化的关键时期。随着党的二十届四中全会审议通过"十五 五"规划建议，清晰的战略路径已然铺就。在这一历史进程中，金融血脉如何更精准地服务实体经济， 资本市场如何更高效地赋能新质生产力，成为关系全局的重要议题。 "截至2025年10月末，中信建投证券累计服务国家级专精特新及制造业单项冠军企业超2100家，'小 巨人'IPO保荐数量稳居市场前列，北交所IPO保荐数量及承销金额持续领先。未来，我们还将继续加大 投入，为新质生产力发展贡献更大力量。"正值中信建投证券股份有限公司（以下简称"中信建投证 券"）成立20周年之际，《金融时报》独家专访了中信建投证券股份有限公司党委副书记、总经理金剑 华。这份服务科技创新的高质量"成绩单"，是中信建投证券过往成果的总概括，也是未来继续深耕科创 金融、服务国家战略决心的体现。 围绕证券行业如何理解并践行"十五五"规划建议的战略指引，在加快建设金融强国的目标下证券公 司如何找准定位并系统发力，以及服务新质生产力将如何重塑行业发展模式、核心能力与价值创造方式 等关键问题，金剑华对记者系统阐述了他的思考。 《金融时报》记者：结合当前国内外发展环境，您认 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 本报记者 杨 洁 光大理财相关负责人对《证券日报》记者表示，《通知》的发布将为银行理财在养老金融产品体系的布 局带来新活力，为人民群众提供高品质多样化养老金融产品和服务，也为第三支柱养老保障体系注入强 劲动能。同时，个人养老金理财、养老理财将作为培育长期投资、稳健收益能力的突破口，也为资本市 场带来长期限的稳定资金，支持资本市场高质量发展。 "《通知》发布后，理财公司开展个人养老金理财业务的积极性将有所提高，长期限理财类个人养老金 产品也将加速扩容。"中国银行研究院主管级高级研究员杨娟对《证券日报》记者表示，未来，养老理 财产品还可以探索定期购买、期满转续、分红转存等多种灵活机制，满足投资者的个性化需求。 责任编辑：江钰涵 登录新浪财经APP 搜索【信披】查看更多考评等级 12月1日，中国理财网官方公众号发布消息称，11月25日，银行业理财登记托管中心有限公司（以下简 称"理财登记中心"）围绕养老理财试点扩大工作开展座谈交流，国家金融监督管理总局资管机构监管 司，前期参与养老理财试点的理财公司、商业银行，以及中央结算公司、中债金科公司等有关单位代表 人员参与此 ...