丰富产品货架，适配于投资者多样化投资需求 中银理财致力于服务国家养老第三支柱建设，近年来持续深耕养老金融领域，不断丰富产品策略，探索 创新产品设计。2023年至今，公司作为首批个人养老金管理机构先后推出9只个人养老金理财产品， 以"福"、"吉"、"禄"为品牌，打造了层次分明、策略丰富的产品货架。截至今年4月末，前期推出 的"福"系列产品成立以来年化收益率平均值3.98%，平均最大回撤约0.5%，有效满足投资者获取稳健收 益的核心诉求，得到广泛认可。 本次新推出的两只产品为最短持有期形态的"固收+"理财产品，其中，"福"固收增强368天持有期理财产 品为R2风险等级产品，"吉"固收增益3年持有期理财产品为R3风险等级产品。两只产品均执行优惠费率 且不收取超额业绩报酬，为不同风险偏好的投资者提供更加丰富的投资选择。两只产品的L份额供个人 养老金资金账户购买，A份额供其他账户购买。 【环球网金融综合报道】5月27日，中银理财新推出两只个人养老金产品——中银理财"福"固收增强368 天持有期理财产品和中银理财"吉"固收增益3年持有期理财产品，为投资者"养老钱"提供更多投资选 择。 积极参与资本市场投资，助力投资者养老 ...

Core Viewpoint - The expansion of personal pension financial products in China continues, with the introduction of two new products by Bank of China Wealth Management, bringing the total number of such products to 35, primarily focusing on stable returns [2][3][6]. Product Expansion - The latest addition includes two products: "Fu" fixed income enhanced product with a holding period of 368 days and "Ji" fixed income gain product with a 3-year holding period, both launched on May 27 [3][4]. - The total number of personal pension financial products has increased from 7 to 35 since the first batch was released in February 2023, indicating a growing selection for investors [6]. Performance and Returns - All 33 existing personal pension financial products are currently in a floating profit state, with several achieving annualized returns exceeding 4% since inception [6]. - The average annualized return for the "Fu" series products since inception is 3.98%, with a maximum drawdown of approximately 0.5% [5]. Fee Structure - Both new products offer promotional fee rates, with "Fu" product management fees reduced to 0.05% and "Ji" product management fees to 0.07% starting May 29 [5]. Market Context - Six institutions are currently issuing personal pension financial products, with 29 being fixed income and 6 mixed products, reflecting a diverse market landscape [6]. - The development of pension financial products is seen as a way to enhance the third pillar of China's pension system and alleviate retirement pressure [7]. Future Outlook - The company plans to enhance the service capabilities of pension products by improving purchase convenience, adapting strategies, and integrating pension services with financial products [7].