The first batch of wealth management products for the elderly in four pilot institutions have been declared in the national banking wealth management information registration system. "The products of the four pilot institutions have passed the declaration in the national banking financial information registration system. Investors can enter the word' old-age care' through the product inquiry column of China Wealth Management Network, and you can find the four products we piloted in the first batch. "
The four pilot institutions all adopt "online+offline" multi-channel sales. Eligible investors in the four pilot areas can hold local personal ID cards to the sales outlets of the corresponding institutions, or purchase products through online banking and mobile banking. In the face of wealth management products for the aged, investors are most concerned about whether the products can preserve and increase their value and provide them with a sense of security.
The investment starting point of these four products is 1 yuan, the maximum investment is 3 million yuan, and the investment period is 5 years. They are mainly invested in fixed-income assets, and various ways are introduced to enhance their ability to resist risks. According to the requirements of China Banking Regulatory Commission, the investment in wealth management products for the aged is mainly in areas that conform to the national strategy and industrial policies, so as to form long-term and stable funds, realize cross-cycle investment and create stable investment income.
When it comes to old-age security, in most people's impression, in addition to the national basic old-age insurance, it is the commercial insurance of insurance companies. At present, the elderly in China mainly rely on pension, insurance and savings. Then, is it safe to provide for the aged, and can the investment income be a strong guarantee for the future? Compared with other wealth management products, pension wealth management products have the characteristics of stability, long-term and inclusiveness. Introduce the design of smoothing fund and risk reserve to ensure investment safety.
Investors should carefully study the investment, liquidity, risks and benefits of such products in combination with their own funds and pension needs, and rationally allocate funds for long-term pension investment.
Generally speaking, investors should invest in pension financial products, mainly considering their own pension needs, whether they can persist in long-term investment and whether the products conform to their own investment philosophy. They should not only choose their own investment methods, but also choose pension financial products that match their risk preferences.