Core Insights - The report released by CITIC Bank emphasizes the importance of proactive retirement planning among Chinese residents, indicating a shift from passive thinking to active planning [2] - The financial products for retirement are evolving from simple savings to a diversified asset allocation approach, reflecting the changing needs of the aging population [3][4] - CITIC Bank has established a comprehensive service ecosystem for retirement wealth management, integrating financial services with health and lifestyle offerings [6][7] Group 1: Retirement Planning Awareness - Recent surveys show that the average age for initiating retirement planning is around 37, indicating a younger demographic is becoming more proactive [2] - The percentage of young respondents (ages 18-34) who feel they are "not in a hurry" to plan for retirement has decreased from 78% in 2023 to 47% in 2025 [2] - Among respondents under 50, 85% are actively planning for retirement on a monthly basis [2] Group 2: Financial Product Development - The low-interest-rate environment and increasing demand for retirement funds have led to a shift towards diversified investment strategies [3] - New financial products include personal pension accounts that now encompass government bonds, specific retirement savings, and index funds [3] - Approximately 70% of respondents desire financial institutions to provide not only money management but also access to quality health management and medical services [3] Group 3: Comprehensive Service Ecosystem - CITIC Bank is focusing on creating a comprehensive service system that balances returns, safety, and quality of life in retirement financial services [4] - The bank has developed a unique "Happiness+" retirement financial service system over the past decade, integrating various financial and non-financial services [5][6] - A new strategic cooperation agreement with the China Aging Association aims to enhance the retirement financial service ecosystem by collaborating with external partners [6] Group 4: Educational Initiatives - CITIC Bank is committed to educating the elderly about retirement financial management, launching publications that provide practical tools and strategies for wealth management [6] - The bank's efforts include a series of educational materials aimed at improving the retirement planning capabilities of the aging population [6][7]

聚焦"享老"新需求 人口老龄化是我国全面建设社会主义现代化国家新征程的基本国情，也是推进中国式现代化必须面对的 重大课题。在此背景下，发展养老金融不仅是国家战略的重要部署，更是金融机构践行人民性、赋能美 好生活的必然使命。 11月21日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛在北京举办。其间，中 信银行正式宣布对"幸福+"养老金融服务体系焕新再升级，以更懂客户的养老账本、更前瞻的投教工具 和更专业的队伍服务，积极构建覆盖全生命周期的养老保障体系，为我国养老金融高质量发展注入新动 能。 作为国内较早布局养老金融的商业银行，中信银行历经多年探索，养老金融服务体系日臻完善。2009年 围绕客户全生命周期养老需求布局，推出国内首张老年专属借记卡"幸福年华卡"；2019年与中国老龄协 会建立战略合作关系；2022年推出涵盖"一个账户、一个账本、一套产品、一套服务、一支队伍、一个 平台"六大支撑的"幸福+"养老金融服务体系，首创"养老账本"一站式养老规划服务平台、组建首支养老 金融规划师队伍；2023年首创"三分四步"全生命周期财务规划方法论，举办首届养老金融论坛，相关成 果获评服贸会服务示范案例 ...

人口老龄化是我国全面建设社会主义现代化国家新征程的基本国情，也是推进中国式现代化 必须面对的重大课题。在此背景下，发展养老金融不仅是国家战略的重要部署，更是金融机 构践行人民性、赋能美好生活的必然使命。 11月21日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛在北京举 办。其间，中信银行正式宣布对"幸福+"养老金融服务体系焕新再升级，以更懂客户的养老 账本、更前瞻的投教工具和更专业的队伍服务，积极构建覆盖全生命周期的养老保障体系， 为我国养老金融高质量发展注入新动能。 作为国内较早布局养老金融的商业银行，中信银行历经多年探索，养老金融服务体系日臻完 善。2009年围绕客户全生命周期养老需求布局，推出国内首张老年专属借记卡"幸福年华 卡"；2019年与中国老龄协会建立战略合作关系；2022年推出涵盖"一个账户、一个账本、 一套产品、一套服务、一支队伍、一个平台"六大支撑的"幸福+"养老金融服务体系，首 创"养老账本"一站式养老规划服务平台、组建首支养老金融规划师队伍；2023年首创"三 分四步"全生命周期财务规划方法论，举办首届养老金融论坛，相关成果获评服贸会服务示 范案例；2024年举办首 ...

Core Viewpoint - The report emphasizes the increasing awareness and proactive planning of retirement among Chinese residents, highlighting a shift from traditional views to a more integrated approach to retirement wealth management and services [2][3][4]. Group 1: Awareness and Planning - Recent surveys indicate that respondents believe around age 37 is the optimal time to start retirement planning, showing a trend towards younger planning ages while remaining stable over the years [4]. - There is a significant decline in the younger demographic (ages 18-34) who feel they are "too young to worry," dropping from 78% in 2023 to 47% in 2025, indicating a shift in mindset towards planning [4]. - Among respondents under 50, 85% are actively engaged in monthly retirement planning, reflecting a strong awareness and willingness to act [4]. Group 2: Supply and Demand Dynamics - The low-interest-rate environment and increasing longevity have led to a shift in retirement investment from "safety-first" savings to "diversified asset allocation" [6]. - Financial product offerings have expanded, including personal pension accounts that now encompass government bonds, specific retirement savings, and index funds, enhancing the variety available for retirement planning [6]. - The core demands of respondents have evolved from merely preserving capital to seeking comprehensive services that integrate finance with health, care, and leisure [6]. Group 3: Integrated Financial Services - The report suggests that retirement financial services are transitioning from single-product offerings to a comprehensive service system that balances returns, safety, and quality of life [6]. - Financial institutions are innovating continuously, leading to more refined product structures that closely integrate with retirement services and leverage digital technology [6]. Group 4: The CITIC Solution - Since 2009, CITIC Bank has focused on the full lifecycle of customer retirement needs, establishing a unique "Happiness+" retirement financial service system [8]. - CITIC Bank has developed a comprehensive ecosystem for retirement financial services by leveraging its full financial license and extensive industrial coverage, integrating wealth management, health care, and home living [9]. - The bank is committed to educating the elderly on retirement financial knowledge, publishing resources that address core needs such as retirement security, quality of life, and intergenerational wealth transfer [9]. Group 5: Commitment to Quality Development - CITIC Bank aims to innovate retirement financial products and services, adhering to a customer-centric approach while collaborating with industry partners to promote the deep integration of retirement finance and services [10].

Core Insights - The report emphasizes the increasing awareness and proactive planning among Chinese residents regarding retirement wealth management, with a notable shift in attitudes among younger demographics [2][3][4] Group 1: Report Overview - The "China Resident Pension Wealth Management Development Report (2025)" was released by CITIC Bank, marking the fourth consecutive year of this series, aiming to provide insights and practical experiences for the development of pension finance in China [1] - The report highlights the "CITIC Solution" as a valuable practical experience for the industry, contributing to the exploration of a unique approach to address population aging in China [1] Group 2: Changing Attitudes Towards Retirement Planning - Recent surveys indicate that the average age for initiating retirement planning is stabilizing around 37 years, reflecting a younger demographic's increasing engagement in retirement planning [2] - The percentage of younger individuals (ages 18-34) who feel "not in a hurry" to plan for retirement has decreased from 78% in 2023 to 47% in 2025, indicating a significant shift in mindset [2] Group 3: Evolving Financial Product Offerings - The demand for diverse asset allocation in retirement investments is rising, moving away from a focus solely on safe savings due to low interest rates and increased longevity [3] - New financial products, including personal pension accounts and innovative commercial pension products, are being introduced to meet the evolving needs of retirees [3][4] Group 4: Comprehensive Financial Services - The report suggests that pension financial services are transitioning from single product offerings to a comprehensive service system, balancing returns, safety, and quality of life [4] - Financial institutions are innovating in product supply, leading to a more refined product structure that integrates closely with pension services and leverages digital technology [4] Group 5: CITIC Bank's Strategic Initiatives - Since 2009, CITIC Bank has been developing a unique "Happiness+" pension financial service system, focusing on the entire lifecycle of customer needs [5] - The bank is actively building a comprehensive ecosystem for pension wealth management, health care, and home living by leveraging its full financial capabilities and collaborating with external partners [5] Group 6: Educational Efforts in Pension Finance - CITIC Bank is committed to educating the elderly about pension finance, launching a knowledge book aimed at addressing core needs such as safety, quality of life, and intergenerational wealth transfer [6] - This initiative is part of a broader strategy to enhance the financial literacy of the aging population, ensuring they have access to practical tools and guidance for effective retirement planning [6]