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 ...

来源：中央广播电视总台中国之声 个人养老金全面实施一周年，取得了哪些新成效？1200多只个人养老金产品该如何选择？ 今天(15日)是我国个人养老金制度迎来全面实施一周年的重要节点。从三年前在36个城市先行试点，到 去年今日推广至全国，作为养老保险体系"第三支柱"的重要组成部分，个人养老金制度正稳步进入千家 万户的养老规划中。 与基本养老保险不同，个人养老金是一项由政府政策支持、个人自愿参加、市场化运营的补充养老保险 制度。它采用个人账户制，缴费完全由参加人自己承担，资金完全归个人所有，实行完全积累。目前， 每年向账户缴费的额度上限是1.2万元。只要您已经参加了基本养老保险，都可以自愿参加个人养老 金，为自己多储备一份养老资金。 一年过去，这项制度取得了哪些新成效？金融机构又将如何创新，开发出更贴合百姓期待的养老金融产 品？ 随着个人养老金制度全面推开满一年，参保缴费的"热度"在各地持续攀升。青海省人社厅养老保险处 (农村社会保险处)副处长张娟表示，截至10月底，青海省已有99.4万人参加了个人养老金，这个数字相 比2023年12月底的29.5万人有了显著增长，缴费金额也达到了相当规模。 张娟：特别是40岁以上 ...

娄飞鹏 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》明确提出，加快发展多层次、多支 柱养老保险体系。个人养老金制度作为多层次、多支柱养老保险体系的重要组成部分，2022年11月25日 在全国36个先行城市（地区）落地实施，2024年12月15日在全国实施。经过三年的探索实践，取得了明 显的成效，后续仍然需要进一步增强对广大居民的吸引力以推进个人养老金制度更好发展。 个人养老金金融产品不断丰富，并为投资者创造收益。国家社会保险公共服务平台的数据表明，2025年 11月25日，个人养老金金融产品共有1245只，其中储蓄类产品466只、保险类产品437只、基金类产品 305只、理财类产品37只。金融产品数量增加丰富了投资者的选择，并且为投资者创造收益。如2025年9 月底，个人养老金基金规模达到151亿元，比2022年底增长655%，超过95%的基金产品成立以来实现正 收益。 在加强投资者教育方面，引导广大居民认识到个人养老金采用市场化运营，个人可根据自身实际情况自 愿参加。在养老资产积累过程中需要在理念上从储蓄养老尽快转向投资养老，通过金融资产的增值丰富 养老资产储备。个人养老金投资是长期投资，投 ...

Group 1 - The Ministry of Finance and the People's Bank of China announced that starting from June 2026, eligible savings bonds will be included in personal pension products, providing more investment options for personal pension asset allocation [1] - The inclusion of savings bonds is expected to enhance the attractiveness and coverage of the personal pension system, diversify product types, and optimize the investor structure in the bond market [1][2] - As of now, there are 1,245 personal pension products available, including various types such as savings, wealth management, insurance, and fund products, indicating a rapidly diversifying supply structure [2] Group 2 - The number of personal pension accounts has surpassed 72 million, reflecting continuous growth in account openings [3] - The addition of savings bonds is anticipated to lower the cognitive barrier for investors and optimize asset allocation, benefiting individuals, institutional development, and national growth [3] - Future development of personal pensions requires coordinated efforts in policy incentives, product supply, and market cultivation to ensure long-term health [3]

Core Insights - The recent expansion of personal pension financial products in China reflects a growing focus on retirement planning amid increasing aging population concerns [1][4] - The majority of these products are fixed-income, catering to low-risk preferences of investors seeking stable returns [2][3] Group 1: Product Expansion and Market Trends - The eighth batch of personal pension financial products includes two new fixed-income products with moderate risk levels [1] - Since the launch of the first batch in February 2023, 35 personal pension financial products have been successfully issued by six financial companies [1] - As of March 2023, the total investment in personal pension financial products exceeded 12.99 billion yuan [1] Group 2: Product Characteristics and Performance - Among the 35 personal pension financial products, 23 are classified as low-risk, while only 12 are medium-risk [2] - Fixed-income products dominate the market, with 29 out of 35 products falling into this category [2] - All existing personal pension financial products have shown positive net asset values, indicating profitability [2] Group 3: Regulatory and Structural Developments - The personal pension system is set to expand nationwide by December 2024, with a growing variety of investment options including government bonds and index funds [4] - As of June 2023, there are 1,028 personal pension products available, including various categories such as savings, funds, insurance, and financial products [4] Group 4: Challenges and Recommendations - The current trend shows a disparity between account openings and actual contributions, limiting the attractiveness of personal pension products [5] - Financial institutions are encouraged to develop products that align with long-term retirement needs, focusing on diverse risk profiles and investment strategies [6]