第二，指数型万能，代表本身是有最低保证利率，让中国更多老百姓包括销售渠道、销售业务人员更有 信心讲，反正最起码买这个是不亏本的。 第三，即期年金。从狭义的即期年金来说，买了就可以领，主要针对已经到了退休年龄，或者接近退休 年龄，现在保险监管精算规则上、产品规则上有一些限制，但是实际上我们可以变通来做，更大范围的 即期年金，可以更早开始领取，现在已经有一些商业保险公司近两年已经出了类似的即期年金，允许55 岁以上的人买。 "这三个结合下来，加上我们传统的，我个人判断，我们如果把这种非税收优惠商业保险年金也作为第 三支柱，我们很快中国的第三支柱就可以超过第二支柱，就可以超过第一支柱，就可以超过第一支柱、 第二支柱加起来。商业保险年金是必须创新大力发展。"龙格说道。 12月6日金融一线消息，中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布会今日召 开，众托帮联合创始人兼总经理、对外经济贸易大学创新与风险管理研究中心副主任龙格出席并参加圆 桌论坛。 龙格结合自身创业经历与行业观察，剖析了当前养老保障体系存在第二支柱增长空间受限和商业保险产 品竞争力不足的核心痛点。龙格提出，商业保险年金需在传统产品基础上 ...

Group 1 - The new personal pension withdrawal rules will be implemented in China starting September 1, 2025, adding three new conditions for early withdrawals, enhancing responsiveness to real-life challenges while maintaining a long-term accumulation focus [1] - The inclusion of large medical expenses in the withdrawal criteria aims to alleviate financial pressure on families facing serious illnesses, particularly benefiting low- to middle-income households [1] - Allowing long-term unemployment insurance recipients to withdraw funds provides additional support for flexible workers and those in new employment sectors, complementing unemployment insurance [1] Group 2 - The importance of investment management in the personal pension system is increasing, with public funds actively participating and offering Y-class fund shares specifically for personal pension accounts, reducing long-term holding costs for investors [2] - A diverse range of investment products, including Target Date Funds (TDF), Target Risk Funds (TRF), and stable index funds, are now available for personal pension investments [2] - Penghua Fund, a key player in the personal pension fund management, emphasizes investor education and long-term support, aiming to enhance public awareness of retirement planning [2] Group 3 - The development of the third pillar of pensions is seen as a comprehensive test of public funds' capabilities, requiring long-term investment and professional expertise to meet national retirement needs [3] - The relaxation of withdrawal conditions is viewed as a significant improvement in the personal pension system, allowing it to serve as an emergency support mechanism during major life changes [3] - The optimization of the personal pension system reflects a deep integration of financial expertise with social needs, evolving into a crucial component of family financial planning [3]