个人养老金

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6家机构、37只个人养老金理财,收益率大多高于同类
2 1 Shi Ji Jing Ji Bao Dao· 2025-08-27 13:00
Core Viewpoint - The personal pension financial products in China have expanded for the ninth time, with a total of 37 products issued by six financial companies, indicating a growing market for personal pension investments [2][3]. Group 1: Market Expansion - As of August 26, 2023, the ninth batch of personal pension financial products was released, with China Postal Savings Bank adding two new products [2]. - A total of 21 commercial banks are now involved in the distribution of these products, reflecting a broader acceptance and integration into the financial system [2]. - The personal pension system was launched in 36 pilot cities in November 2022 and has since expanded nationwide [2]. Group 2: Investment Products and Performance - The personal pension funds can be invested in various financial products, including bank wealth management, savings deposits, commercial pension insurance, and public funds, with a current total of 37 bank wealth management products available [2]. - As of August 27, 2023, the scale of public funds within personal pension products reached 4,117.71 billion yuan, with a significant increase in the number of investors [3]. - The average annualized return for personal pension financial products is over 3.4%, significantly higher than the average return of 2.12% for general wealth management products [6]. Group 3: Investment Strategy and Risk - The long-term nature of personal pension products allows for higher return expectations, as they are designed to be held until retirement, reducing the pressure from short-term market fluctuations [5]. - The asset allocation in personal pension products is more diversified compared to traditional wealth management products, with a higher proportion of equity investments [6][10]. - There is a noted need to increase the equity investment ratio in personal pension products to enhance long-term returns, as current allocations remain conservative compared to international standards [10][11]. Group 4: Comparative Analysis - In comparison to the U.S. personal pension market, where a significant portion is allocated to equity funds, China's pension products show a lower equity allocation, limiting long-term growth potential [11]. - The current trend in the Chinese market reflects a cautious approach to risk, with a focus on stability over higher returns, which may need to evolve as demographic and economic conditions change [11].
6家机构、37只个人养老金理财,收益率大多高于同类
21世纪经济报道· 2025-08-27 11:57
Core Viewpoint - The personal pension financial products in China have expanded for the ninth time, indicating a growing market and increasing participation from various financial institutions [1][2]. Group 1: Market Expansion - As of August 26, 2023, the ninth batch of personal pension financial products has been released, with 37 products issued by 6 financial companies [1]. - Currently, there are 21 commercial banks involved in the distribution of these products, reflecting a broadening of the market [1]. - The personal pension system was launched in November 2022 and has since expanded nationwide, indicating a significant policy shift [1]. Group 2: Investment Performance - The scale of public funds within personal pension products reached 411.77 billion yuan as of August 27, 2023, showing substantial growth [2]. - The average annualized return for personal pension financial products is over 3.4%, significantly higher than the average return of 2.12% for general financial products [5]. - The investment strategy for personal pension products allows for a longer investment horizon, which helps in achieving higher returns compared to traditional short-term products [4][5]. Group 3: Asset Allocation - Personal pension products have a more diversified asset allocation, with approximately 50% in bonds and a higher proportion of equity investments compared to traditional financial products [5][6]. - The investment in equity is still relatively low compared to international standards, indicating room for improvement in the risk-return profile of these products [9]. - The current trend shows a need for a strategic shift towards higher-risk assets to enhance long-term returns, especially in light of increasing life expectancy and inflation [8][9].
个人养老金理财再扩容:6家机构发行37只,收益率大多高于同类
2 1 Shi Ji Jing Ji Bao Dao· 2025-08-27 10:17
Core Insights - The personal pension financial products in China have expanded for the ninth time, with 37 products issued by six financial companies, and 21 commercial banks participating in distribution [1] - The personal pension system was launched in November 2022 and has now expanded nationwide after two years of implementation [1] - As of August 27, 2025, the scale of public funds within personal pension products reached 411.77 billion yuan, with a significant increase in both the number of investors and the total purchase amount [2] Product Performance - Most personal pension financial products have yields higher than their peers, with average annualized returns exceeding 3.4%, compared to 2.12% for general financial products [4] - The investment horizon for personal pension products is longer, allowing for better returns due to reduced short-term market volatility [3][4] - The asset allocation in personal pension products is more diversified, with approximately 50% in bonds and a higher proportion of equity investments compared to traditional financial products [5] Market Trends - There is a growing concern regarding the conservative investment strategies for pension funds, which are heavily weighted towards low-yield assets like government bonds and deposits [6] - The aging population and inflation risks highlight the necessity for higher returns, prompting a shift towards more aggressive investment strategies [7] - Comparatively, China's pension product equity allocation is low compared to developed markets, indicating potential for future growth in returns if equity exposure increases [8]
【关注】个人养老金新增3种领取情形!还有这些税惠可享→
蓝色柳林财税室· 2025-08-26 13:14
欢迎扫描下方二维码关注: 近日,人力资源社会保障部等5部门对外发布《关于领取个人养老金有关问题的通知》,进一步丰富个人养老金领取情形,明 确具体操作办法,自 9月1日起 开始实施。新增情形有哪些?相关税收优惠是什么?一起来看↓ 温馨提示 新增情形 一 新增3种个人养老金领取情形: 此前,参加人符合下列条件之一的,可以领取个人养老金:一是达到领取基本养老金年龄。二是完全丧失劳动能力。三是出国 (境)定居。 新增2类个人养老金领取申请渠道: 在此前通过个人养老金资金账户开户银行申请领取的基础上,增加国家社会保险公共服务平台、电子社保卡、掌上12333App等全国 统一线上服务入口,以及参加人当前基本养老保险关系所在地社会保险经办机构2类申请渠道。 个人养老金个税政策 二 自2024年1月1日起,在全国范围实施个人养老金递延纳税优惠政策。 申请之日前12个月内,本人(或配偶、未成年子女)发生的与基本医保相关的医药费用支出,扣除医保报销后个人负担(指医 保目录范围内的自付部分)累计超过本省(自治区、直辖市)上一年度居民人均可支配收入; 申请之日前2年内领取失业保险金累计达到12个月; 正在领取城乡最低生活保障金。 大 ...
9月1日起实施!个人养老金新增三种领取条件
2 1 Shi Ji Jing Ji Bao Dao· 2025-08-26 09:50
新政策来啦!9月1日起,个人养老金领取规则将迎来重要调整,不仅新增三种领取情形,还优化了申请渠道。具体有哪些变化?已有个人养老金产品历史表 现怎么样?来看本期飞钱说。 出品:飞钱说工作室 栏目统筹:耿雁冰 栏目策划:杨希 编辑:杨希 主播:冯紫彤 本期文案:冯紫彤 视频指导:曾婷芳 视频制作:卞显洋 冯紫彤 设计:王冰 ...
多部门联合印发通知 明确个人养老金领取条件
Ren Min Ri Bao· 2025-08-23 00:12
近日,人力资源社会保障部、财政部、税务总局、金融监管总局、中国证监会联合印发《关于领取 个人养老金有关问题的通知》,就丰富个人养老金领取情形问题,明确了具体操作办法。 通知规定,参加人符合下列条件之一的,可以领取个人养老金。一是达到领取基本养老金年龄。二 是完全丧失劳动能力。三是出国(境)定居。四是申请之日前12个月内,本人或配偶、未成年子女发生 的与基本医保相关的医药费用支出,扣除医保报销后个人负担(指医保目录范围内的自付部分)累计超 过本省(自治区、直辖市)上一年度居民人均可支配收入。五是申请之日前2年内领取失业保险金累计 达到12个月。六是正在领取城乡最低生活保障金。 通知要求,加强信息共享,充分利用可获取的跨业务、跨层级数据,优化经办系统功能,为领取个 人养老金提供便捷服务。(记者 邱超奕) 通知明确,参加人领取个人养老金,可以通过国家社会保险公共服务平台等全国统一线上服务入 口、个人养老金资金账户开户银行、当前基本养老保险关系所在地社会保险经办机构等渠道提出申请, 由社保经办机构核实。对核实通过的,由个人养老金资金账户开户银行代扣代缴个人所得税后,将资金 划转至本人社会保障卡银行账户。 ...
明确个人养老金领取条件
Ren Min Ri Bao· 2025-08-22 22:14
通知要求,加强信息共享,充分利用可获取的跨业务、跨层级数据,优化经办系统功能,为领取个人养 老金提供便捷服务。 《 人民日报 》( 2025年08月23日 03 版) (责编:袁勃、赵欣悦) 本报北京8月22日电 (记者邱超奕)近日,人力资源社会保障部、财政部、税务总局、金融监管总局、 中国证监会联合印发《关于领取个人养老金有关问题的通知》,就丰富个人养老金领取情形问题,明确 了具体操作办法。 通知规定,参加人符合下列条件之一的,可以领取个人养老金。一是达到领取基本养老金年龄。二是完 全丧失劳动能力。三是出国(境)定居。四是申请之日前12个月内,本人或配偶、未成年子女发生的与 基本医保相关的医药费用支出,扣除医保报销后个人负担(指医保目录范围内的自付部分)累计超过本 省(自治区、直辖市)上一年度居民人均可支配收入。五是申请之日前2年内领取失业保险金累计达到 12个月。六是正在领取城乡最低生活保障金。 通知明确,参加人领取个人养老金,可以通过国家社会保险公共服务平台等全国统一线上服务入口、个 人养老金资金账户开户银行、当前基本养老保险关系所在地社会保险经办机构等渠道提出申请,由社保 经办机构核实。对核实通过的, ...
多部门联合印发通知 明确个人养老金领取条件
Ren Min Ri Bao· 2025-08-22 21:46
通知要求,加强信息共享,充分利用可获取的跨业务、跨层级数据,优化经办系统功能,为领取个人养 老金提供便捷服务。 (文章来源:人民日报) 通知明确,参加人领取个人养老金,可以通过国家社会保险公共服务平台等全国统一线上服务入口、个 人养老金资金账户开户银行、当前基本养老保险关系所在地社会保险经办机构等渠道提出申请,由社保 经办机构核实。对核实通过的,由个人养老金资金账户开户银行代扣代缴个人所得税后,将资金划转至 本人社会保障卡银行账户。 本报北京8月22日电 (记者邱超奕)近日,人力资源社会保障部、财政部、税务总局、金融监管总局、 中国证监会联合印发《关于领取个人养老金有关问题的通知》,就丰富个人养老金领取情形问题,明确 了具体操作办法。 通知规定,参加人符合下列条件之一的,可以领取个人养老金。一是达到领取基本养老金年龄。二是完 全丧失劳动能力。三是出国(境)定居。四是申请之日前12个月内,本人或配偶、未成年子女发生的与 基本医保相关的医药费用支出,扣除医保报销后个人负担(指医保目录范围内的自付部分)累计超过本 省(自治区、直辖市)上一年度居民人均可支配收入。五是申请之日前2年内领取失业保险金累计达到 12个月。 ...
政策双周报:财政贴息政策落地,政策性工具有望推出-20250822
Huachuang Securities· 2025-08-22 09:35
Report Industry Investment Rating No relevant content provided. Core Viewpoints of the Report The report comprehensively analyzes the policy trends in multiple fields from August 7th to August 21st, 2025, including macro - economic, fiscal, monetary, financial regulatory, real estate, and tariff policies. These policies aim to boost consumption, expand investment, support emerging industries, and stabilize the real estate market, among other goals [1][2][3][4][5][6]. Summary by Directory 1. Macro - economic Tone - Personal consumption loan and service industry business loan fiscal subsidy policies were implemented. The subsidy ratio is 1 percentage point, and the central and provincial finances bear 90% and 10% of the subsidy funds respectively. The policies will be evaluated upon expiration [11][14][15]. - The State Council Executive Meeting emphasized cultivating and expanding service consumption and increasing effective investment [12][15]. - 188 billion yuan of ultra - long - term special treasury bond funds for equipment renewal investment subsidies were fully allocated, supporting about 8,400 projects and driving over 1 trillion yuan in total investment [13][15]. 2. Fiscal Policy - Special bonds can be used for government expenditures in the construction costs of PPP stock projects. Local governments are required to manage and use funds properly to ensure the stable operation of PPP projects [16][19]. - A 500 - billion - yuan "quasi - fiscal" tool is expected to be launched, potentially focusing on emerging industries and infrastructure [17]. - The implementation regulations of the Value - Added Tax Law were open for public consultation, clarifying relevant scope and rules [18][19]. 3. Monetary Policy - In August, the central bank conducted repurchase operations, with a net injection of 30 billion yuan, showing its care for the market [20][22]. - The central bank continued the overall tone of "implementing and refining" and remained committed to preventing capital idling. The probability of a policy interest rate cut is relatively low in the short term [20][21][22]. - Financial institutions should focus on exploring effective credit demand rather than being overly concerned about monthly credit increment fluctuations [21][22]. 4. Financial Supervision - Regarding banks, regulators addressed "involution - style" competition, residents' deposits flowed into the market, a draft for public comment on the management measures for commercial bank merger and acquisition loans was released, and many small and medium - sized banks lowered deposit interest rates [22][23][26]. - For insurance, three new scenarios for claiming personal pensions were added [24][28]. - The trading association launched a self - regulatory investigation into institutions involved in the illegal use of raised funds in bond financing [25][28]. 5. Real Estate Policy - The policy aims to consolidate the stabilization and recovery of the real estate market, improve the basic real - estate financial system, and release improvement - oriented housing demand [29][31][32]. - Beijing lifted the purchase restrictions on commercial housing outside the Fifth Ring Road [29][32]. - Hainan Province introduced real - estate regulatory policies, allowing for appropriate relaxation of the acquisition area standard when purchasing existing commercial housing for affordable rental housing [30][31][32]. 6. Tariff Policy - The suspension of the 24% additional tariff on US imports was extended for 90 days, while the 10% additional tariff was retained [33][34]. - Trump stated that there is currently no plan to impose additional tariffs on China for purchasing Russian oil, but this might be reconsidered in two or three weeks [33][34].
个人养老金基金数量已超300只
Shang Hai Zheng Quan Bao· 2025-08-21 19:37
Group 1 - The core viewpoint of the article highlights the continuous expansion of personal pension funds, with the number of available funds reaching 303 as of August 21, 2023, an increase from 297 at the end of June 2023 [2][3] - The recent additions to personal pension funds are primarily index-enhanced funds, which are designed to cater to investors with a higher risk appetite, thereby enriching the product matrix for personal pensions [1][4] - The average return of the 24 index-enhanced funds included in the personal pension product list is nearly 12% since their inception, indicating a growing interest and potential profitability in this investment category [3] Group 2 - The inclusion of index-enhanced funds in personal pension products is expected to guide long-term capital into the market, optimizing market structure and providing investors with a better match for their risk preferences [1][4] - Research indicates that the long-term compound return rate of equity assets is higher than that of pure debt assets, suggesting that the current economic recovery phase may yield excess returns in the equity market [4] - Investors in personal pension funds exhibit a higher tolerance for volatility, with 77% willing to accept limited or significant principal losses in pursuit of higher returns, aligning well with the characteristics of index-enhanced funds [3]