延迟退休政策已经开始执行大半年了，但还是有一部分人不明白延迟退休政策的一些细节问题。一位网 友私信我，问2030年开始增加最低缴费年限，是不是将来15年工龄就不能办退休了，下面就来解答网友 的疑惑。 根据延迟退休政策，从2030年开始，确实会增加最低缴费年限，每年增加最低缴费年限半年。比如2030 年最低缴费年限增加6个月，最低缴费年限需要达到15.5年才能办理退休。如果到了2031年，最低缴费 年限再次增加6个月，缴费年限需要达到16年才能办理退休。 综上所述，虽然从2030年开始增加最低缴费年限，但是在2030年退休，如果符合一定条件，最低缴费年 限还是15年。如果前弹到2029年退休，最低缴费年限还是15年。如果本人按照延迟退休后的法定时间退 休，就按照退休当年所在年份确定最低缴费年限，如果法定退休时间是2029年，而后弹到2030年退休， 按照后弹前的法定退休时间确定最低缴费年限，也就是15年，而不是15.5年。 另外，如果某职工经过延迟退休政策延迟退休年龄后，法定退休时间是2029年，但是该职工与单位达成 协议，继续延迟，也就是后弹一年到2030年再退休，这种情况下，最低缴费年限并不是按照2030年 ...

Core Viewpoint - The public FOF (Fund of Funds) market has seen its total scale grow for the first time in three years, reaching 151.08 billion yuan by the end of Q1 2025, with a quarterly growth rate of 13.5% [3][5]. Group 1: Market Performance - As of May 18, 2025, the total scale of public FOF reached 159.85 billion yuan, continuing the growth trend [3]. - In Q1 2025, the average return of 288 personal pension FOF Y-share products was 1%, with some products exceeding 5% [7]. - The average increase for stock FOFs in Q1 was 2.70%, indicating strong performance across various FOF products [7]. Group 2: Factors Driving Growth - The recovery of the equity market has significantly contributed to the performance of FOF products [6]. - The implementation of personal pension systems since 2022 has highlighted the vast market potential and policy support for personal pensions, further attracting investor interest [7]. Group 3: Performance Disparity - Despite a strong start in Q1, performance disparities among FOF funds increased in April, with a difference of 11 percentage points between the best and worst performers [10]. - In April 2025, about one-quarter of FOF funds achieved positive returns, with only one fund, Minsheng Jianyin Kangning Stable Pension One-Year A, showing a return greater than 1% [11]. Group 4: Concentration of Assets - The concentration of underlying assets in FOFs has increased, leading to significant performance disparities, particularly among funds managed by the same manager [18][21]. - Five FOF funds with losses exceeding 4% in April were all managed by the same manager, indicating a risk associated with concentrated holdings in specific sectors like new energy and semiconductors [18][21]. Group 5: Future Outlook - As of mid-May 2025, 51 new FOFs have been established, raising a total of 23.03 billion yuan, reflecting growing investor recognition of FOFs [24]. - The performance differentiation among FOFs is expected to continue, necessitating thorough research and selection by investors to identify funds with high-quality underlying assets [24].

Core Insights - The "2024 China Internet Insurance Consumer Insight Report" indicates that the top five insurance products held by consumers remain unchanged from the previous year, including critical illness insurance, accident insurance, car insurance, life insurance, and commercial health insurance, with the trend expected to continue for the next two years [1] - Nearly 40% of consumers are expected to purchase new insurance products, driven by national policies and increased awareness of risk protection [1] Product Trends - Critical illness insurance has the highest upgrade rate in 2024, with nearly 30% of holders opting for upgrades, particularly among the 20-40 age group and high-income individuals seeking higher coverage and broader protection [2] - Accident insurance serves as an entry-level product for young people and a safety net for the elderly, with significantly higher new purchase rates among the 20-30 and 60+ age groups compared to others [2] - Car commercial insurance ranks among the top three for upgrade and replacement rates, with young consumers and those in first- and second-tier cities leading these trends, primarily due to affordability and convenience of online comparison [2] Regional Insights - Demand for life insurance is robust in third-tier cities and below, with new purchase, upgrade, and replacement rates exceeding those in first- and second-tier cities, particularly among consumers aged 41-50 [2] - The commercial health insurance sector is innovating in terms of relaxed health declarations, benefiting those with pre-existing conditions and consumers aged 60 and above, who have the highest rates of new purchases, upgrades, and replacements across all age groups [2] - Delayed retirement policies and bank interest rate cuts are stimulating interest in commercial pension insurance among younger consumers, with the 20-30 age group leading in new purchase and upgrade rates [2]

Core Insights - The rapid development of the digital economy and changes in work patterns have led to a significant increase in the number of flexible employment practitioners, particularly among younger individuals, but their participation in pension schemes remains low [1][3] - The implementation of delayed retirement policies is expected to impact this group, particularly regarding pension contributions and future benefits [1][4] Flexible Employment Pension Contribution Status - As of the end of 2021, there were approximately 200 million flexible employment practitioners in China, accounting for about 22% of the working-age population [2] - The willingness to participate in pension insurance among flexible employment practitioners is low, with an overall participation rate of only 52% [2] - Among individuals under 35, the proportion of those not participating in any pension insurance is as high as 58.24% [2] Factors Affecting Low Participation Rates - The expected returns from pension insurance are difficult to estimate, leading to decreased willingness to contribute [4] - The current pension insurance system does not align well with the flexible employment status, further reducing participation willingness [6][7] - The delayed retirement policy increases the financial burden on flexible employment practitioners, as they must contribute for a longer period [7] Impact on Career Development - The implementation of delayed retirement policies may limit career advancement opportunities for flexible employment practitioners, as higher-skilled positions become less available [8] - The lack of skill enhancement opportunities for flexible employment practitioners can lead to decreased competitiveness in the job market [9] Policy Recommendations - Providing timely consultation and economic incentives to help flexible employment practitioners understand the benefits of pension contributions is crucial [10][11] - Optimizing the pension insurance system to better suit the needs of flexible employment practitioners, including lowering contribution rates and improving transfer mechanisms, is necessary [12][13] - Offering vocational training and employment support can help enhance the income and stability of flexible employment practitioners, thereby increasing their ability to contribute to pension schemes [14] - Ensuring the rights of older flexible employment practitioners is essential, including simplifying contribution processes and providing flexible payment options [15][16]