Based on the analysis of the current pension financial products on sale, it can be found that pension financial products cannot truly fulfill the function of “retirement care”.

Bank retirement wealth management products are still positioned as wealth management products, not savings products. Since they are wealth management products, there are certain risks.

Most people in need of pension financial management pursue lower risks or even capital preservation requirements. This has been challenged even more after the introduction of new regulations on asset management.

Investors' needs for the "retirement care" function can generally be divided into three aspects: security, liquidity and profitability.

In terms of security, the pursuit of financial security is the primary investment goal of retirement financial investors.

Judging from the pension financial products issued this year, low-risk products accounted for the largest proportion, accounting for 39.72%, followed by medium and low-risk products, accounting for 27.66%. The overall risk level is low, but it does not mean that there is no risk.

Compared with ordinary financial products, pension financial products are more concentrated in low-risk levels, with lower risk levels and higher security; compared with the pension product lines of fund companies, bank pension financial products better match their risk preferences.

At the same time, it is in line with the investment habits of the elderly.

However, it is worth noting that a large part of the pension financial products currently on the market are capital-guaranteed products. After the new asset management regulations, capital-guaranteed products will disappear. Bank financial management will be managed in the form of net value. Pension financial products are also gradually moving towards

The transformation of net value products will bear the fluctuations in yields caused by market fluctuations.