从产品细节看，两款产品均为开放式净值型，投资性质属固定收益类，风险等级为PR2中低风险，个人 客户起投金额仅1元。投资配置上，遵循"固收打底、少量权益增强"策略：不低于80%仓位投向利率 债、高等级信用债等低风险资产，获取稳健票息收入；不高于20%仓位配置收益弹性较强的权益类资产 及衍生品，并通过增配优先股、运用对冲工具控制波动。业绩比较基准统一采用"个人活期存款利率 ×10%+沪深300指数收益率×5%+中债-新综合财富(1—3年)指数收益率×85%"。 份额设计上，两款产品均在常规A类份额外增设个人养老金专属L类份额。中邮理财介绍，L类份额仅限 通过个人养老金资金账户购买，可享受手续费和税收双重优惠，综合费率较非养老金产品降低0.45%， 且不收取超额业绩报酬。 随着中邮理财两只新品的"上架"，当前个人养老金理财产品再度扩容，从整体产品结构看，固收类仍是 绝对主流。北京商报记者梳理中国理财网数据发现，37只产品中固定收益类达31只，占比超八成，混合 类产品仅6只。 苏商银行特约研究员高政扬表示，此次新增产品在"固收打底+权益增强"的核心框架下，进一步增加优 先股配置、运用对冲工具等手段，有望将权益仓位的波 ...

｜2025年8月27日星期三｜ NO.1央行开展4058亿元7天逆回购操作 8月26日，央行开展4058亿元7天逆回购操作，操作利率为1.40%，与此前持平。 点评：逆回购操作是央行调节短期市场流动性的工具，本次4058亿元的操作显示央行维持现行货币政策 不变，旨在提供充足的市场流动性，以稳定金融市场和经济活动。 NO.2中国平安：上半年寿险新业务价值增长39.8% NO.5特朗普宣布撤销美联储理事库克职务 据央视新闻，当地时间8月25日，美国总统特朗普在其社交媒体"真实社交"上公开了一封致美联储理事 丽莎.库克的信件，宣布即刻将其免职。 NO.3第九批个人养老金理财产品名单发布，新增中邮理财2只产品 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只个人养老金理财产品。本 次新增个人养老金理财产品分别设置18个月和2年的最短持有期，2只产品风险等级均为二级(中低)，风 险程度适中。本次新增个人养老金理财产品投资性质均为固定收益类，主要投资于债券等固定收益类资 产，同时配置少量权益类资产及衍生品资产。 点评：第九批个人养老金理财产品名单的发布，尤其是中邮理财新增的两只产品，反映出市场对个 ...

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只个人养老金理财产品。至此，理财 登记中心已支持6家理财公司成功发行37只个人养老金理财产品。 据了解，本次新增个人养老金理财产品投资性质均为固定收益类，主要投资于债券等固定收益类资产，同时配置 少量权益类资产及衍生品资产。 有业内人士认为，个人养老金理财产品均为长期产品，权益投资和其搭档，通过"做时间的朋友"能有效平抑权益 资产波动，符合长期投资的特点。此次个人养老金理财产品扩容后，可以更好地满足广大群众的养老需求，有利 于构建多元化、个性化的投资组合，增加投资者的选择范围。 新增两只产品将少量配置权益类资产及衍生品资产 金融监管资深专家周毅钦指出，该产品在业绩比较基准形式上，采用了指数组合方式，更符合金融监管部门的政 策引导方向，这种方式比传统单一固定业绩比较基准更科学、更透明，能更清晰传递产品的风险收益特征，反映 投资策略、底层资产与金融市场表现的关系，投资者也可借此了解投资方向与资产配置比例。 "权益类资产虽有波动风险，但长期看能提升收益空间，和以债券为主的固定收益类资产搭配，可在控制风险的同 时，通过多元资产配置追求更高回报。"周 ...

【8月26日中邮理财新增2只个人养老金理财产品】8月26日，中国理财网公布第九批个人养老金理财产 品名单，中邮理财新增2只相关产品。 2023年2月，首批个人养老金理财产品正式亮相。截至目前，理 财登记中心已助力6家理财公司发行37只此类产品，市场上有21家商业银行参与代销。 本文由 AI算法生成，仅作参考，不涉投资建议，使用风险自担 ...

钛媒体App 8月26日消息，中国理财网8月26日发布第九批个人养老金理财产品名单，中邮理财新增2只 个人养老金理财产品。本次新增个人养老金理财产品投资性质均为固定收益类，主要投资于债券等固定 收益类资产，同时配置少量权益类资产及衍生品资产。2023年2月首批个人养老金理财产品正式推出， 截至目前，理财登记中心已支持6家理财公司成功发行37只个人养老金理财产品，目前市场上共有21家 商业银行参与代销。（广角观察） ...

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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