Core Viewpoint - The pilot program for pension financial products has expanded to "ten cities and ten institutions," with initial institutions like ICBC Wealth Management, Everbright Wealth Management, and China Merchants Wealth Management already issuing new products in the expanded regions [1][2]. Group 1: Product Launch and Features - ICBC Wealth Management launched its first pension financial product post-expansion, named "Yixiang Antai Fixed Income Closed-end Pension Financial Product," with a fundraising period from March 11 to March 21, and an annualized performance benchmark of 5.8% to 7.0% [2][3]. - The initial fundraising amount exceeded 30.88 billion yuan, with 13,900 customers participating, averaging 222,000 yuan per purchase [2]. - Everbright Wealth Management and China Merchants Wealth Management also initiated new pension financial products, covering all ten pilot cities in a single launch [3]. Group 2: Product Design and Risk Management - The new pension financial products maintain a focus on customer retirement needs, emphasizing stability and inclusiveness [4]. - Key features of the new products include long-term investment alignment with retirement planning, comprehensive risk control, balanced focus on returns and safety, and low entry thresholds starting from 1 yuan [4]. - The risk level of the new ICBC pension product is rated at level two, lower than the previous level three rating, indicating a reduction in risk [5]. Group 3: Market Potential and Regulatory Support - The expansion of pension financial products is expected to gain more development space under regulatory guidance, with the China Banking and Insurance Regulatory Commission encouraging banks and insurance institutions to enhance pension financial services [6]. - Approximately 40% of customers who purchased pension financial products last year were first-time investors in medium to long-term products, indicating a growing acceptance of such products [6]. - Financial institutions are planning to develop long-term products (5 years or more) to meet the specific needs of retirement-focused clients, utilizing diversified asset allocation strategies [7][8].

自今年3月1日起，养老理财产品试点范围扩展为"十地十机构"后，时隔5个多月，第二批获批试点 机构中的首只养老理财产品正式面世。 8月3日上午9时，中邮理财有限责任公司（以下简称"中邮理财"）首只养老理财产品——中邮理财 邮银财富添颐·鸿锦封闭式系列2022年第1期养老理财产品公开发售。《证券日报》记者从北京丰台区邮 储银行一位理财经理处获悉，该产品初始计划募集规模上限为30亿元，截至当天下午18时，该产品已销 售29亿元，剩余额度为1亿元。 该产品信息显示，其业绩比较基准为5.8%至8%（年化），风险等级为PR2中低风险。 中国理财网信息显示，截至8月3日，市场上银行系理财子公司发行养老理财产品共计32只，除中邮 理财外，其余31只均为首批获试点的4家理财公司发行。多数产品业绩比较基准收益率在5.8%至8%之 间，较为稳健。 冰鉴科技研究院高级研究员王诗强对《证券日报》记者表示，银行养老理财产品想要脱颖而出，需 满足客户多样化需求。同时，由于产品期限一般较长，养老理财产品要努力在收益方面打消客户顾虑。 当前养老理财产品已进入常态化发行阶段，普益标准研究员崔盛悦对《证券日报》记者表示，养老 理财产品的发展将进一 ...