What are the pilot cities for old-age financial management?
65438+On February 6th, CBRC officially launched the first batch of pilot pension financial products in Wuhan, Chengdu, Shenzhen and Qingdao. The investment starting point of the first batch of pilot pension financing products is 1 yuan, and the sales target is qualified individual investors with local identity cards in the pilot area, not limited to the elderly. The total amount of all pension financing products purchased by a single individual investor does not exceed RMB 3 million.
The first batch of wealth management products for the elderly came from four pilot companies, namely ICBC, China Construction Bank, China Merchants Bank and China Everbright. Compared with general bank wealth management products, pension wealth management has the characteristics of stability, long-term and inclusiveness.
At present, the investment period of general bank wealth management products is mostly within 3 years, and the investment period of pilot pension wealth management products is 5 years. Investors are expected to earn about 5% or more every year, mainly investing in fixed-income assets, and introducing various ways to enhance their ability to resist risks. According to the requirements of China Banking Regulatory Commission, funds for endowment wealth management products will be actively invested in areas that are in line with national strategies and industrial policies.
How to buy old-age wealth management products?
The four pilot institutions all adopt "online+offline" multi-channel sales. Eligible investors in the four pilot areas can go to the sales outlets of the corresponding institutions with their local personal ID cards, or purchase wealth management products for the aged through online banking and mobile banking.
What are the characteristics of old-age financial management?
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. As an investment, financial management is risky. Then, is it safe to provide for the aged, and can the investment income be a strong guarantee for the future?
According to reports, 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.