Core Viewpoint - The article emphasizes the importance of financial tools in promoting the development of the pension industry and constructing a three-pillar pension security system, highlighting the shift of pension finance from a preparatory phase to an active phase with the introduction of personal pension systems nationwide [1][3]. Group 1: Current State of Pension Financial Products - Pension financial products currently face issues such as high homogeneity and insufficient long-term attributes, with most products having a term shorter than five years, which does not align with the long-term needs of pension funds [2]. - There is a lack of awareness among investors regarding pension planning, particularly among younger demographics, who exhibit weak savings consciousness and require improvement in risk tolerance and investment philosophy [2]. Group 2: Company Initiatives and Strategies - As a key player in the public fund industry, the company is adopting a "product + service" dual-driven approach to deeply engage in the pension finance sector, enhancing its FOF (fund of funds) offerings to cater to different age groups and risk preferences [3]. - The company has launched products like the "Minshang Stable Pension Target One-Year Holding Period FOF" and is planning to develop a series of target date funds, focusing on long-term pension goals while minimizing short-term performance rankings [3]. - The company is also committed to investor education, promoting long-term investment concepts and guiding funds from short-term savings to long-term allocations, while reducing costs through lower fees and optimized redemption mechanisms [3]. Group 3: Future Outlook - The company calls for industry collaboration to continuously optimize product design and deepen investor education, aiming to help more individuals achieve a fulfilling retirement through scientific planning [3]. - With the dual drive of policy and market forces, the Chinese pension finance sector is expected to witness broader development prospects [3].