已走进更多家庭养老规划 临近2025年末，个人养老金缴存进入冲刺期。 国家社会保险公共服务平台查询的数据显示，截至12月15日，个人养老金产品目录已达1256只，较二季 度末增加了196只。 产品涵盖四大类：储蓄类产品466只，数量最多；保险类产品446只；基金类产品307只；理财类产品37 只。 面对丰富的个人养老金产品，普通投资者该如何选择并实现收益与安全平衡？是否赶在年底前开户？个 人养老金怎么买更划算？北京青年报记者帮您一一梳理。 个人养老金可投资产品已超过1200只，普通人该如何选择？这成为制度深入推广后，参保人面临的核心 问题。北京某国有银行资深客户经理分析认为，个人可根据自身年龄、风险承受能力和养老目标进行理 性配置。比如年轻人投资期限长达30年或以上，可承受较大的波动，换取长期收益的增长，建议较高的 比例配置基金产品；而中年人要兼顾收益的增长与稳健，比较适合选择平衡型组合；对于临近退休者首 要目标是保值避免风险，较大比例配置储蓄存款、养老保险、固收类的理财以及国债。 目前，个人养老金基金的市场体量已突破了150亿元，较2024年年底实现了65%的增长。特别是今年以 来，随着权益市场广泛回暖，一 ...

Group 1 - The core viewpoint of the news is the announcement by the Ministry of Human Resources and Social Security and the Ministry of Finance to increase the basic pension for retirees by 2% by the end of 2024, benefiting approximately 150 million people [1] - The adjustment primarily affects urban workers' basic pension insurance, which is a key part of China's multi-tiered pension system, aimed at providing basic financial support [1] - The total number of participants in the basic pension insurance system is expected to exceed 1.07 billion by the end of March 2025 [1] Group 2 - In addition to urban workers, the basic pension for rural residents will also be increased, with a minimum standard rise of 20 yuan, representing a 16.3% increase, benefiting over 18 million elderly individuals, mostly from rural areas [4] - Basic pensions are distinct from personal pensions; the former is a government-supported, mandatory system, while the latter is a voluntary, market-oriented supplement established in April 2022 [5][7] - Personal pensions allow individuals to contribute up to 12,000 yuan annually, with tax benefits during contribution and a lower tax rate upon withdrawal, making it a potential financial tool for future retirement planning [7][8]