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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