Ti du tu Wen 124 qi
Planning and Production | Titanium Media Visual Center,特快资讯 Editor | Liu Yaning, Drawing | Chu Yanmo
On November 25, 2022, the personal pension system was officially implemented. As the "third pillar" of the old-age insurance system, in the past year, the number of personal pension accounts has increased rapidly, and 36 cities and regions such as Beijing, Tianjin, Hangzhou and Guangzhou have taken the lead in launching the personal pension system. By the end of June 2023, the number of people opening pension accounts has exceeded 40 million, more than double the number at the end of last year.
With the increase of the number of account holders, the products suitable for personal pension investment have gradually increased. As of November 25, 2023, there were 745 personal pension products. Among them, in Public Offering of Fund's personal pension business, 16 individual pension funds have achieved positive returns since their establishment.
Since the implementation of the individual pension system for one year, what is the current development of this policy? Which people prefer personal pension products? Which personal pension products have better income performance? In this issue, the image of titanium media and titanium degree is sorted out from the data level.
Personal pension products continue to expand.
On the occasion of the first anniversary of China's personal pension business, the personal pension products of banks, insurance, funds, wealth management and other institutions continue to expand. By the end of November this year, the catalogue of personal pension products had increased to 745, including 465 savings products, 162 fund products, 99 insurance products and 19 wealth management products.
Among the 465 savings products, a total of 22 banks participated, among which six major banks issued 151 savings products. It is the bank that issues the most savings products, with a total of 54. Among the personal pension fund products, 49 public institutions have become the management institutions of personal pension funds, among which Huaxia Fund has 9 personal pension fund products, ranking first in number; In terms of insurance products, 22 insurance companies have released 99 insurance products, including tax-deferred commercial endowment insurance products, exclusive endowment insurance products and annuity insurance products, among which Taikang Life Insurance released 9 products, ranking first; In terms of wealth management products, five wealth management companies released 19 wealth management products, of which ICBC Wealth Management released the largest number of products, reaching 6.
During the one-year operation of individual pension products, the risk characteristics of various products are obviously different to meet the needs of pension investors with different risk preferences. Among hundreds of personal pension products, personal pension funds have begun to take shape. On November 28th, 2022, the first batch of Y shares of pension fund was officially put on sale, which has reached its first anniversary. What is the performance of its products?
According to asset management association of china's Directory of Individual Pension Funds, it is found that 16 individual pension funds have performed well and gained positive returns since their establishment. Among them, the higher income is the "one-year-holding hybrid fund of safe and steady pension target", with a total return of 3.14%. In addition, as of November 28 this year, the number of funds with a total return of more than 1% is 6.
There are also some personal pension fund products that perform poorly. As of November 28th this year, "China-Europe Foresight Pension 2050 Five-Year Plan" has achieved a return of -12.83% since its establishment, which is the worst performing fund product. In addition, a total of six individual pension fund products have lost more than 10% since their establishment.
Overall, the proportion of products that have achieved negative returns since the establishment of individual pension fund products is about 90%. The performance of Y share specially set up for personal pension is poor, which is related to the fluctuation and decline of the equity market in the past year. However, as a long-term investment project, the short-term loss of personal pension fund products is not a long-term phenomenon.
The number of accounts opened exceeds 40 million, and the willingness to invest is stronger after 80 s and 90 s.
According to the data of the Ministry of Human Resources and Social Security, at the end of 2022, the number of individual pension account holders was 19.54 million. Since then, the number of individual pension account holders has increased steadily. By the end of June this year, the number of individual pension account holders has increased by 106.2% to 40.3 million compared with the end of last year.
Among the people who buy personal pensions, the young and middle-aged people born in 1980s and 1990s show a strong willingness to invest. In terms of opening accounts, the post-80 s and post-90 s people performed well, accounting for 60%, of which the post-80 s people accounted for the most, reaching 22%; In terms of deposit funds, the post-80 s and post-90 s population accounted for 65%, of which the post-90 s population accounted for the most; In terms of purchasing products, the post-80 s and post-90 s population accounted for 68%, of which the post-85 s people bought the most products. In addition, the proportion of post-95 s and post-00 s people in personal pension investment is not high, but it is worth noting that some people have begun to act.
From account opening to product purchase, people with a monthly income of 8,000-12,000 yuan have the largest number of accounts, accounting for 48%. However, the proportion of deposit and product purchase after that gradually declines, and their participation is relatively cautious. The proportion of people with a monthly income of more than 12,000 yuan from account opening to product purchase is gradually increasing, and the degree of participation is gradually deepening. Generally speaking, young and middle-aged people are the main force to participate in personal pension business, and the participation of people with a monthly income of more than 12 thousand is higher.
Since the personal pension system came into being one year ago, although the number of accounts opened has increased rapidly, the number of users who have paid funds is less than expected, and there are even "empty accounts". In the future, it is necessary to actively publicize the personal pension policy and cultivate the people's awareness of pension planning and savings; In addition, relevant departments should further improve the supporting policies for personal pension, such as increasing support in tax incentives, so as to enhance the attractiveness of the personal pension system.
Data sources: Huaxia Fund, Ministry of Human Resources and Social Security, asset management association of china, CCTV News and other public information.
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