It is worth mentioning that the first batch of bank pension financial products participating in the pilot project have been launched. This is an innovation in my country's pension financial management and the debut of the third pillar financial management product in my country.

The "Yiyang Ruiyuan" pension wealth management product of CMB Financial Management, a wealth management subsidiary of China Merchants Bank, is one of the first batch of pilot pension wealth management products. It has also attracted attention from many aspects and has been a very meaningful pilot.

To a certain extent, this product is worth trying to buy.

Why do we draw such a conclusion?

In fact, the design of this product still has many highlights, and to a certain extent, it is still possible to achieve the minimum performance benchmark compensation in the future.

We can analyze from the following aspects: 1. First of all, the four bank pension financial products in the first batch of pilot projects are still full of innovations and suitable for the characteristics of pension financial products.

The risk level of financial management products is medium-low risk R2, which is relatively low risk; and the 5-year closed-end product does not support redemption during the period, so managers can make medium and long-term investments with peace of mind.

The threshold for subscribers is also very low, starting from 1 yuan, which is the same as the subscription method for monetary fund financial products, allowing wider participation.

2. The biggest highlight is that the manager does not draw excess returns, and the financial product will pay dividends every month according to the rules after one year of operation.

The income generated by financial management products will not be divided too much by the administrator, but will all remain in the product and can be distributed to investors. This clause is rare in general financial products and fully demonstrates the benefits of retirement financial products.

of goodwill.

In addition, financial products will pay dividends on a monthly basis after one year, which is a powerful supplement to the daily life of the subscriber, which means that you can get money every month, just like a pension.

3. Let’s take a look at the underlying assets invested in the financial management products. Since the risk level is medium to low risk and it is a pension financial product, the underlying assets and investment portfolio are relatively conservative and will not cause extreme risks of principal loss.

The product description states that it mainly invests in fixed-income assets and, on the premise of controllable risks, moderately participates in stock market investments or other equity investments.

The proportion of underlying assets in the fixed income category may reach about 70% to 80%, and the possibility of losing principal is relatively small.

So why are expected returns likely to be so high?

Can it reach an annualized rate of between 5.8% and 8%?

On the one hand, it is related to the fact that the manager does not receive excess returns, and on the other hand, it does not support redemption within 5 years, so the manager can be allowed to make some long-term fixed income investments. To a certain extent, the annualized return

The rate will naturally increase.

Just like everyone goes to a bank to deposit money, the longer the deposit period is, the higher the interest rate is.

In addition, our country is now vigorously supporting the development of the third pillar of elderly care products, and also providing many preferential support measures.

This time, including China Merchants Bank, only four products in the first batch were piloted.

, then to a certain extent, the possibility that the future performance of these products will meet the product specifications is relatively small.

Everyone knows that to get off to a good start, you still need to ensure that there are no problems in your stay.

Therefore, you can basically subscribe with confidence. At least this first batch of pension financial products should be able to deliver the promised benefits, it’s just a matter of how much.