个人养老金产品货架图 截至8月26日 ◎记者 黄坤 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只产品，个人养老金理财产 品由此扩容至37只。 自个人养老金制度推行以来，理财产品已为投资者带来较为可观的回报。《中国银行业理财市场半年报 告（2025年上）》显示，截至今年6月末，投资者累计购买个人养老金理财产品余额1103.6亿元。据测 算，个人养老金理财产品为投资者实现收益超3.9亿元，平均年化收益率超3.4%。 个人养老金产品货架不断"上新"，为投资者带来更多的"可选项"。提高产品创新能力和投资回报率，是 金融机构下一步发展个人养老金业务的突破口。 个人养老金理财产品扩容至37只 目前，银行业理财登记托管中心已支持6家银行理财公司成功发行37只个人养老金理财产品，包括工银 理财、中银理财、建信理财、农银理财、中邮理财、贝莱德建信理财等，还有21家商业银行参与代销。 具体来看，中邮理财本次新增的2只个人养老金理财产品的投资性质均为固定收益类，产品风险等级均 为二级（中低），呈现"低波稳健"特点。中邮理财还分别设置了1.5年和2年的最短持有期。 上海证券报记者注意到，此前中邮理财曾发行 ...

Core Insights - The personal pension system in China is rapidly being implemented, leading banks to shift from initial customer acquisition to deep operational strategies focused on customer retention and service innovation [1][4] Group 1: Market Dynamics - As of November 2024, the number of personal pension accounts has reached 72.79 million, indicating significant growth in customer engagement [2] - Banks are expanding their product offerings, including savings deposits, wealth management products, and commercial pension insurance, creating a diverse product matrix [2] - Initial customer acquisition strategies have evolved from "opening accounts with rewards" to more sophisticated incentives for contributions, such as cash rebates and vouchers [2][3] Group 2: Service Innovations - Banks are introducing innovative contribution methods, such as "scheduled contributions," allowing customers to automate their savings, which enhances customer engagement [3] - The focus has shifted from merely attracting new customers to retaining existing ones through comprehensive service upgrades [4][5] - Key competitive strategies include integrating pension accounts with healthcare, insurance, and community services to create a holistic financial and service solution [4] Group 3: Future Competitive Landscape - The competition is expected to intensify as banks aim to deepen account engagement and customer insights, emphasizing the importance of understanding user needs [5] - Short-term strategies involve using contribution incentives to encourage ongoing deposits, while long-term strategies focus on building a comprehensive pension financial ecosystem [5] - Banks that excel in integrating non-financial services and enhancing asset allocation capabilities are likely to gain a competitive edge in the evolving market [5]