Core Viewpoint - The article emphasizes the expansion of pension financial products across the country, highlighting the commitment of Agricultural Bank of China Wealth Management to enhance its pension finance services and meet the growing needs of residents for retirement planning [1][10]. Group 1: Product Performance - Agricultural Bank of China Wealth Management's "Nongyin Shunxin" series has achieved significant cash dividends, totaling nearly 400 million yuan this year and approximately 800 million yuan since inception, reflecting the company's dedication to customer-centric pension financial services [2]. - The average annualized return for the "Nongyin Shunxin" pension products reached 5.24% for the 2024 fiscal year, showcasing the company's robust operational capabilities in pension wealth management [2]. - The "Nongyin Shunxin · Lingdong" series of personal pension products outperformed the market, with annualized returns exceeding 6% for 2024, ranking among the top ten in the industry since inception [3][17]. Group 2: Product Development and Market Growth - The company has developed a multi-tiered pension financial product system under the "Nongyin Shunxin" brand, catering to various risk preferences and investment horizons, with a total of 7 personal pension products launched by the end of Q3 2025 [4]. - The total scale of "Nongyin Shunxin" pension and personal pension products has surpassed 13 billion yuan, indicating strong market recognition and an expanding customer base [4][5]. - The products are widely available through major banking channels, enhancing accessibility for residents seeking quality pension financial services [5]. Group 3: Service Enhancement and Community Engagement - Agricultural Bank of China Wealth Management is committed to supporting the pension industry by investing in pension industry bonds, thereby injecting financial resources into the real economy [6]. - The company has actively engaged in educating the public about pension planning, with over 140,000 reads of pension-related content on social media and collaborations with media outlets to disseminate professional knowledge [6]. - The firm aims to improve service quality by training sales channels and exploring smart pension scenarios to assist the elderly in overcoming digital barriers [6]. Group 4: Future Outlook - The company plans to deepen its core advantages of "product innovation, stable returns, and service quality" to meet the increasing demand for pension wealth management among the public [7].

2025年10月30日，养老理财试点地区扩大至全国，试点期限三年。作为国有大行理财子公司，农银理财近年来在养老金融领域持续发力，通过完善产品体 系、优化投资策略、加强投资者服务，探索出一条服务居民养老需求、支持银发经济高质量发展的有效路径。 分红落袋彰显诚意，投资运作成效显著 今年以来，农银理财两只"农银顺心"系列封闭式老理财产品迎来新一轮分红，两只产品合计现金分红金额近4亿元，成立以来累计现金分红近8亿元，实实 在在将"养老钱"的增值收益落到投资者口袋，是农银理财践行"以客户为中心"养老金融服务承诺的直接体现。另外，两只产品2024年度年平均年化收益达 5.24%，更彰显了其在养老理财产品运作上的稳健实力。 在"稳健为先"的投资理念指导下，农银理财产品的长期收益表现展现出行业领先水平。今年以来，因为债市调整，仅依靠票息难以满足投资者对"稳中求 进"的双重诉求。在此情况下，农银理财养老理财产品充分发挥了大类资产配置的优势，"固收+"策略中"+"的部分对实现目标收益起了更为重要的作用。 农银理财扎实打造投研体系，提升投研能力，布局了指数策略、红利策略、量化策略以及商品策略等多种投资策略，丰富了权益投资的工具箱， ...