21世纪经济报道 记者郭聪聪 随着低利率环境下金融资产增值放缓，叠加人口长寿化带来的养老资金需求持续扩大，我国居民养老投 资正从传统单一储蓄模式向多元资产配置转型。中信银行近日发布的《中国居民养老财富管理发展报告 （2025）》（下称《报告》）显示，近年来居民养老规划意识总体增强，而且行动意愿更为积极，受访 者普遍认为37岁左右是启动养老规划的较好时点。 本次《报告》共获得10137个有效样本，涵盖全国31个省、自治区、直辖市18岁及以上人口。数据显 示，37岁左右启动养老规划的认知，已连续三年保持稳定，显示出我国居民启动养老规划的平均年龄趋 于年轻化且达成共识。 其中年轻群体观念转变最为突出，2023年18-34岁群体中78%认为"还年轻，不着急"，而2025年这一比 例已降至 47%，年轻一代正主动打破"临近退休才规划养老"的传统思维。 与此同时，养老规划的重点正从"是否需要做"转向"如何去做"。《报告》指出，受访者不仅养老规划意 识总体较强，而且行动意愿普遍积极。50岁以下的受访者中，85%每月均有养老规划。 调研发现，受访者对养老金融的核心诉求，正在从"资金保值增值"延伸至"金融+健康、照护、文化休 ...

Group 1 - The personal pension system in China allows workers participating in urban employee basic pension insurance or rural resident basic pension insurance to join, while retirees already receiving basic pension benefits cannot participate [2] - Flexible employment individuals can participate in the personal pension system as long as they have made at least one payment into the basic pension insurance [2] - Authoritative information regarding personal pensions can be accessed through various national online service platforms [2] Group 2 - After contributing to a personal pension, individuals can not only deduct personal income tax but also use the funds to purchase approved investment products to increase retirement income [5] - Investment products include wealth management products, savings deposits, commercial pension insurance, public funds, government bonds, specific pension savings, and index funds [5][6] - Personal pension products are regulated by financial authorities to ensure safety, stability, and long-term value preservation [6] Group 3 - For individuals unsure about selecting personal pension products, financial institutions can provide investment consulting based on personal risk preferences and age [9][10] - It is not mandatory to purchase investment products with personal pension funds; funds can earn interest at the current deposit rate if not invested [11] Group 4 - Personal pensions generally cannot be withdrawn early, with participants eligible to withdraw only upon reaching the retirement age for basic pensions [12] - Exceptions for early withdrawal include total loss of work ability, emigration, serious illness, receiving unemployment insurance, or being on minimum living security [13] - Applications for withdrawal can be made through social security agencies or online service portals, with funds disbursed to the individual's social security card bank account [14][15]