The second batch of pilot institutions will welcome the "first show" experts that stability and inclusiveness will be common.

27Jul

Our reporter Yang Jie's elderly wealth management products have entered normalization. "Securities Daily" reporter noticed that in recent times, many bank wealth management companies' pension wealth management products have been issued one after another. As of now, the first four wealth companies have issued a total of 30 pension wealth management products. It is reported that with the continuous expansion of the wealth management companies and pilot cities participating, the second batch of pilot financial companies are also ready to go. Some companies' first pension wealth management products will be issued in about a week. Industry experts predict that the scope of the pilot is expected to continue to expand, and the types of pension wealth management products will also become diversified. The launch of more than half of the performance of pension wealth management products is 5.8%to 8%. On July 25th, the Yixiang Antai -closed pension wealth management products established by ICBC Financial Management will be officially issued and will be raised on August 2. According to product information, the product performance comparative benchmark (annualization) is 5.5%to 7.5%. It is a fixed income product, and the investment strategy is mainly guided by large asset allocation. Investment Opportunities. "ICBC Financial Management is one of the first batch of pilot financial management pilot institutions. As of now, 6 pension financial products have been issued, and the raising scale exceeds 8 billion yuan." Relevant person in charge of the ICBC's financial management told the Securities Daily reporter that the current care of the elderly Wealth management products are issued with normalized distribution, which are issued 2 to 3 products a month, ensuring the supply of products, and continuously increasing marketing efforts to benefit more investors. The latest pension wealth management products of China Recruitment and Everbright Financial Management have been raised on July 25. Taking the "Yiyu Ruiyuan Stable 5 Pension Finance" established by China Recruitment and Financial Management as an example, the performance of this product's performance is 5.5%to 7.5%, and 0 to 20%of funds are invested in equity assets and derivative financial instruments. Funding less than 80%of funds is invested in fixed income assets such as bonds and non -standard claims. The reporter noticed that when Yi Yang Ruiyuan's stable 5 pension wealth management products were sold, the number of buyers had reached 11,570. "The pension wealth management product is a low -risk and the income is relatively high. It only sells individual investors who hold ten pilot regions ID cards, starting from 1 yuan, and the threshold is wide, attracting many investors to buy. "A Wealth Consultant of China Merchants Bank in Fengtai District, Beijing told reporters. According to the data disclosed by the CBRC, as of the end of May 2022, the subscription amount of pension wealth management products exceeded 60 billion yuan. According to the information of China Financial Management Network, as of now, a total of 30 banks' financial products have issued pension wealth management products on the market, and they are all issued by the first batch of four wealth management companies. Among them, 16 product performance comparison rates were between 5.8%and 8%, which was relatively stable. CITIC Securities Chief Economist clearly told a reporter from the Securities Daily that compared with other types of pension financial products, the reference of the elderly financial management performance is relatively high, generally between 5%and 8%. To reduce the fluctuations in net worth, it is conducive to encouraging the long -term holding of pension financial product investors with lower risk preferences. In addition, banks are expected to dominate the establishment of a personal pension account with the help of channel advantages. Become a personal pension priority. The second batch of pilot institutions products will be approved in the future or tend to be diversified. From March 1st this year, the scope of piloting financial management products has expanded to "ten places and ten institutions". At present, it has been more than 4 months since the second batch of pilot qualifications for the approval of the wealth management company, and its first pension wealth management product issuance plan has also attracted much attention. On July 26, a bank wealth management manager told reporters, "Regarding the financial management of the elderly, the bank has just trained us before, and conservatively estimates that the first pension wealth management product will be launched in about a week." "We plan to launch pension wealth management products The approval has been submitted, and is waiting for supervision approval. After approval, it will officially launch investors from ten pilot cities. "The relevant person in charge of a joint -stock bank wealth company told reporters. Some wealth management companies have publicly stated that they are carrying out the research and development and reporting of pension wealth management products in accordance with the requirements of regulatory requirements. On the basis of stable, long -term, and inclusiveness, the company's advantages in asset allocation are used. Long -term asset allocation strategy. Although many wealth management companies have different issuance plans and time, from the perspective of product design, stable and inclusive are their commonality. The relevant person in charge of the ICBC wealth management introduced the six major characteristics of their pension wealth management products: first, adhere to long -term investment and fit the pension planning; the other is to improve the risk control and set up a special risk management mechanism; Sexuality and gain; Fourth, highlighting inclusiveness; Fifth, pay more attention to the protection of consumer rights and investors; and sixth is the exclusive name and pilot distribution. "At present, the attributes of pension wealth management products will be converged. In the future, more targeted products will be set up according to the different retirement date and different risk preferences of investors to meet diverse pension financial needs." Obviously, said. Obviously, the scope of the pilot will continue to expand in the future to meet more people's pension financial needs. The types of pension wealth management products will tend to diversify, and the number will also show the trend of well -spraying development, which will continue to promote the construction of the third pillar of my country's pension.

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