Pension financing is a wealth management product specially designed for the needs of the elderly, and it is also a product with fluctuating net worth. It is a non-guaranteed floating income, just a bank. At present, the pension funds issued on a pilot basis are basically stable, and fixed-income products are mainly called fixed income. In fact, they didn't get the guaranteed and promised income.
There is only one benchmark interval for bank pension financing, which is about 5% to 8% at present, so we can see that the income is not fixed, and this income interval will only change in the future or in the income market.
In addition to the pension financing of banks, there are also pension financing of fund companies and insurance companies.
Among them, the profit and loss of fund companies' pension financing changes with the fluctuation of fund net value, and the change range is usually greater than that of banks' pension financing. In essence, it is a fund, which cannot guarantee the principal, and the principal faces greater risks.
There are two kinds of pension financing in insurance companies: fluctuating income type and minimum guaranteed income type. The general income is relatively low, which is essentially insurance, paying attention to the guarantee function, and the principal is relatively large and guaranteed. However, the premise of surrender will often suffer a relatively large loss of principal.