Core Insights - The personal pension marketing strategy has shifted from focusing on account openings to emphasizing actual contributions as the deadline approaches for the personal pension system [1][2][3] - The introduction of electronic savings bonds into the personal pension product lineup is expected to enhance investment options and attract more funds [4][5] - The overall investment configuration in personal pensions remains conservative, with a need for further optimization to balance long-term returns and risks [6][7] Group 1: Marketing Strategies - Banks are intensifying their promotional efforts for personal pensions, focusing on "retaining customers" and "encouraging contributions" rather than just "acquiring new accounts" [2][3] - Various banks are utilizing smart tools like tax calculators and pension benefit estimators to enhance customer awareness and encourage timely contributions [2] - Incentives such as lotteries and discounts are being offered to attract contributions, reflecting a strategic shift in marketing focus [3] Group 2: Product Offerings - The inclusion of electronic savings bonds in the personal pension product range is a significant development, expected to be available for purchase by June next year [4] - The interest rates for savings bonds are higher than current deposit rates, making them an attractive option for investors [4] - The introduction of dedicated quotas for savings bonds is anticipated to improve the contribution rates in personal pension accounts [5] Group 3: Investment Performance - As of November 27, 2025, the total number of personal pension products exceeds 1200, with a variety of options including savings, insurance, and fund products [6] - Many personal pension financial products have achieved positive returns, with some products yielding over 10% annualized returns since inception [6] - Despite the variety of products, the investment configuration is still heavily weighted towards fixed-income products, indicating a cautious approach among investors [6][7]

"最近我们组建了个人养老金政策宣讲团，忙着走进企业、深入社区，吸引资金缴存。"农行上海市分行 养老金融业务人士告诉上海证券报记者，个人养老金营销占据了他近期的工作日程。 2025年收官在即，银行个人养老金业务推广进入冲刺阶段。记者了解到，多家银行通过入企进社区、跨 界协同营销、智能工具赋能等多元打法，推动个人养老金账户从"拉新开户"向"实际缴存"转化。 个人养老金制度已落地三年时间，相关产品总数超1200只。伴随储蓄国债即将纳入产品货架，个人养老 金账户的投资品类也得到丰富。业内人士认为，在兼顾长期收益与风险平衡的前提下，个人养老金投资 有望进一步优化配置，满足投资者多元化需求。 从"重开户"转向"重缴存" 随着个人养老金缴存进入倒计时，多家银行集中加大推广力度。与往年重视"拉新开户"策略不同，今年 银行的营销重点放在"缴存留客"上。 "我们的团队会借助'节税计算器''个人养老待遇测算'等智能工具，帮助客户增强养老储备意识，及时缴 存、尽早开启个人养老资金储备计划，增添养老保障。"农行上海市分行养老金融业务人士表示。 ◎记者 黄坤 财政部、中国人民银行日前发布通知，明确储蓄国债（电子式）纳入个人养老金产品范围 ...