智通财经1月16日讯（记者 李迪）本周，公募养老基金投资再迎利好！ 1月16日，中国证券投资基金业协会发布通知，明确符合条件的投资者，向基金销售机构申请办理养老 基金提前赎回业务的，相关机构应当予以支持。 这意味着，在满足条件的情况下，即使投资者持有公募养老基金未达最短持有期要求，也可以申请提前 赎回。此举将切实满足投资者的资金需求，彰显个人养老金制度的人性化与公募基金行业"金融为民"的 责任担当。 据悉，个人养老金相关基金销售机构、基金管理人和基金份额登记机构需根据有关要求，于2026年6月 底前完成技术准备工作，过渡期内可通过手工操作办理业务。此外，基金管理人还应当做好相关养老基 金产品的招募说明书更新工作。记者了解到，目前已有大型公募做好启动IT系统改造与招募说明书更新 工作的准备，力争全力保障业务落地。 投资者可提前赎回公募养老基金，要求符合五种情形 （六）正在领取城乡最低生活保障金的。 这意味着，只要满足上述任一情形，即便投资者持有的公募养老基金设有三年或五年的持有期且尚未期 满，也可申请提前赎回，这一政策能切实为存在资金使用需求的投资者解决燃眉之急。 公募养老基金产品近年来稳步发展，已成为个人养老 ...

根据中基协最新通知，符合条件的个人投资者可提前赎回公募养老基金份额。通知显示，投资者达到 《关于领取个人养老金有关问题的通知》第一条规定的第(二)至(六)项领取条件、个人养老金账户变更 为提前领取状态后，向基金销售机构申请办理个人养老金公募基金提前赎回业务的，相关机构应当予以 支持。 具体来看，符合提前领取条件的情况有以下五种。第一，完全丧失劳动能力；第二，出国（境）定居； 第三，申请领取个人养老金之日前12个月内，本人或配偶、未成年子女发生的与基本医保相关的医药费 用支出，扣除医保报销后个人负担（指医保目录范围内的自付部分）累计超过本省（自治区、直辖市） 上一年度居民人均可支配收入的；第四，申请领取个人养老金之日前2年内，领取失业保险金累计达到 12个月的；第五，正在领取城乡最低生活保障金的。（智通财经记者 李迪） ...

Core Viewpoint - The article emphasizes the strategic importance of elderly finance in addressing the challenges of an aging population, highlighting Suzhou Bank's innovative "Suxin Kangyang" elderly finance service brand aimed at enhancing the financial experience for senior clients and promoting high-quality development of the silver economy [1] Group 1: Financing Support for Elderly Industry - Suzhou Bank provides comprehensive financial solutions for various types of elderly enterprises, collaborating with government agencies, businesses, and medical institutions to develop new financial models for the elderly industry [2] - The bank strengthens partnerships with state-owned elderly enterprises, offering services such as asset preservation, bank financing, and merger financing solutions [2] - Increased credit supply for small and medium-sized elderly enterprises through long-term working capital loans and credit products tailored to the characteristics and growth potential of these businesses [2] Group 2: Enhancing Financial Services for the Elderly - Suzhou Bank focuses on improving service levels for the elderly, addressing their needs for care, enjoyment, and companionship [3] - The bank has renovated 29 branches to be elderly-friendly and established "Love Windows" to provide convenient services, equipped with tools like magnifying glasses and wheelchairs [3] - The "Happiness Club" was launched to create a community platform for members, offering various services and activities, with membership exceeding 3,800 by the end of 2024 [3] Group 3: Diverse Elderly Financial Products - Suzhou Bank has developed a "Wealth + Pension" system, issuing over 4.7 million social security cards and nearly 350,000 senior cards by the end of 2024 [4] - The bank offers personalized pension financial planning based on clients' age, risk tolerance, and retirement goals, providing tailored investment advice [4] - A range of financial products is available, including public pension funds and risk-adapted guaranteed products, to cater to different stages of retirement [4] Group 4: Building an Elderly Financial Service Ecosystem - Suzhou Bank integrates resources across industries to provide comprehensive services for the elderly, including cultural activities and home services [5] - The bank sponsors cultural events for the elderly, attracting over 15,000 participants in a recent talent competition [5] - The bank is advancing digital transformation in elderly finance, enhancing online services and creating a digital service ecosystem that connects various life scenarios [6]