"当前在个人养老金账户的配置中，投资者倾向于选择储蓄存款。但是据测算，一只年化收益率仅比储 蓄存款高出0.5个百分点的产品，在30年复利作用下，两者最终的收益差距会非常大。"上述某理财公司 投资经理说。 业内人士认为，由专业机构提供科学、系统的资产配置服务，以及通过全面提升养老理财"持有体验"增 强投资者长期持有的信心，这些举措有望激活养老理财市场的发展潜力。 受到三大因素制约 先来看销售推动力。某理财公司副总经理表示："多数投资者通过两个渠道接触养老产品：一是理财顾 问，二是主动推介产品的销售端。在各类养老产品中，销售人员推销保险产品最积极，其次是基金，可 能是受限于销售激励机制，销售人员推销理财产品的力度较弱。一个直观的体现是，理财顾问在微信公 众号等平台发布的保险产品文章最多。" 除了销售方不积极，收益率表现亦是重要因素。"在过去一段时间，理财产品的收益率相对保险产品来 说没有显著优势。"上述理财公司副总经理说。 最后来看消费者对养老资金的认知偏好。无论是年轻人，还是年长者，多数人将安全视为养老储备的首 要原则。在这一观念影响下，客户倾向于将养老资金配置于存款与保险产品，而非有一定风险的理财产 品和基金 ...

Core Viewpoint - The article discusses the importance of early experiences in life, particularly in relation to travel and personal development, emphasizing that not all experiences need to be rushed or tied to age [1][2][3]. Group 1: Travel Perspectives - The article suggests that the significance of travel varies among different age groups, with some believing that experiences should be pursued early in life, while others argue that travel can be enjoyed at any age [1][3]. - It highlights that the essence of travel is not solely about visiting popular destinations but about the exposure to new experiences that can shape one's perspective and future [3][4]. - The notion that young people must travel to gain certain experiences is challenged, as the article posits that personal growth can occur at any stage of life [1][2]. Group 2: Personal Development - The article emphasizes the importance of early investment in personal development, such as education, career advancement, and relationship building, which can yield long-term benefits [2]. - It argues that experiences like learning and working should be prioritized over consumerism, as they contribute to a more substantial and meaningful life [2][13]. - The article also points out that the ability to enjoy life and pursue passions should not be constrained by age, advocating for a balanced approach to life experiences [6][15].