随着2025年12月的到来，个人养老金年度缴存进入倒计时。这是享受2025年度税收优惠的最后机会，也 是布局养老储备的关键节点。作为养老保险体系"第三支柱"的重要组成部分，个人养老金制度不仅有助 于提升晚年生活保障，也为大家提供了"省税+增值"的双重收益路径。近日，京东金融上线养老金缴存 月活动，进一步降低参与门槛，提升养老储备的吸引力。 自2022年11月25日试点启动算起，个人养老金制度已实施满三周年。在产品供给方面，养老金投资选择 日益丰富。以京东金融为例，平台已上线超过180只养老基金产品，涵盖目标日期、目标风险、指数配 置等多种类型。同时，国民养老两全保险等稳健型产品也相继纳入，为用户提供更加多元的资产配置方 案。一站式线上服务与AI养老顾问的引入，进一步简化了开户、投教、产品选择等流程。用户上京东 APP或者京东金融APP搜索"个人养老金"，开通个人养老金账户即可参与活动。 京东金融财富投研团队表示，当前权益市场呈现的"慢牛"趋势，也为个人养老金业务提供了历史性的发 展机遇。长期稳健的上涨行情，能有效改善养老金投资的持有体验，增强投资者长期参与的信心；同时 养老金作为长钱入市，也会进一步夯实权益市 ...

Core Insights - The personal pension FOF products have shown a return rate exceeding 8%, outperforming fixed deposit rates, indicating a positive trend in the personal pension market [1] - The number of available personal pension products has reached 1,099, with 303 fund products, reflecting a growing market [2] - The average annualized return for personal pension wealth management products has surpassed 3.4%, with total earnings exceeding 390 million yuan [2][3] Product Performance - Among personal pension fund products, 20 have achieved returns over 10%, with the "Zhongou Pre-emptive Active Pension Target Five-Year Holding Mixed Initiation (FOF) Y" showing a remarkable increase of 21.36% [2] - The median return rate for personal pension fund products since inception is 4.97%, with a median return of 4.81% for the current year [2] Market Growth - The balance of personal pension wealth management products reached over 15.16 billion yuan, marking a 64.7% increase since the beginning of the year [3] - The number of investors opening personal pension wealth management accounts has grown by 46.2% in the first half of the year, reaching over 1.439 million [4] Investment Value - Personal pension wealth management products are characterized by stable investment strategies, long investment cycles, and effective policy support, making them attractive for long-term investment [5] - The implementation of the personal pension system nationwide has led to a rapid increase in the scale of personal pension wealth management products [4][6] Challenges and Recommendations - Financial institutions face challenges such as limited product variety and insufficient lock-in periods, which need to be addressed to meet diverse investor needs [6] - Investors are advised to diversify their asset allocation based on risk tolerance and retirement goals, focusing on products with stable historical performance and controlled drawdowns [6]

Core Insights - The survey conducted by Guangzhou Statistical Bureau reveals that the elderly population in Guangzhou is increasingly open to new consumption patterns and financial products, indicating a significant shift in the silver economy landscape [1][2][4]. Group 1: Consumer Behavior - 90% of respondents shop online, with 59.0% shopping frequently and 31.4% occasionally [2] - 71.1% of respondents base their consumption decisions on actual needs, while 51.2% prioritize product quality [2] - Nearly 90% are willing to use smart products, showing a strong openness to new technologies [2] Group 2: Spending Preferences - 66.7% of respondents plan to spend more on travel after retirement, making it the top non-essential spending category [3] - 42.2% are inclined towards health and wellness expenditures, followed by 35.3% for elder care services [3] - Younger respondents show a greater willingness to spend on health and travel, while higher income individuals are more likely to invest in wellness and travel [3] Group 3: Interest in Financial Products - 77.8% of the elderly population is interested in trying pension financial products, with 42.6% willing to consider health and accident insurance [4] - Safety of principal is the primary concern for 83.6% of respondents when investing in pension financial products [4] - Women show a higher willingness to engage with pension financial products compared to men [4] Group 4: Technological Integration - 86.8% of respondents are open to using smart products, and 96.8% hope technology will enhance their quality of life [5] - Key areas for technological improvement include health monitoring (67.2%), rehabilitation care (58.6%), and home convenience (51.9%) [5] - The positive attitude towards smart technology indicates a potential new market in the silver economy [5]

Core Viewpoint - The article discusses the ongoing personal income tax settlement process and highlights the tax benefits associated with personal pension contributions, emphasizing potential tax savings based on different income brackets. Group 1: Tax Savings and Pension Contributions - The article provides a table detailing the annual taxable income brackets, marginal tax rates, and potential tax savings for individuals contributing to personal pensions, with maximum savings reaching 5,400 yuan for those with incomes above 960,000 yuan [1][2]. - It mentions that individuals can deduct contributions to personal pensions from their taxable income, with a maximum deduction of 5,400 yuan based on income levels, thus offering significant tax incentives [2]. Group 2: Important Dates and Procedures - The article outlines key dates for personal pension contributions and tax settlements, indicating that contributions must be made by December 31 of the current year, with the tax settlement period running from March 1 to June 30 of the following year [3]. Group 3: Investment Options - It suggests that account holders can invest their pension funds in suitable pension fund products, such as FOF funds, to alleviate concerns regarding retirement investment [4].