Recently, a number of wealth management companies, including Everbright Wealth Management, Bank of Communications Wealth Management and CMB Wealth Management, issued dividend announcements for their pension wealth management products, giving back to investors with "real money and silver". For example, Everbright Financial's "Everbright Financial Enjoy Sunshine Pension Financial Products Orange 2027 No.5" dividend settlement days are T+0, and the dividend payment method is cash dividend, with a total dividend of about 656,400 yuan and a dividend of 0.0025 yuan per unit share.
While realizing product dividends, the income performance of pension wealth management products is also very eye-catching. "In the first half of 2023, the average annualized rate of return of 51 pension wealth management products was 5.05%, and all products achieved positive returns. In contrast, the average annualized rate of return of 237 pension target funds is only 0.13%, of which 89 are negative returns. " Liao Zhiming, chief analyst of China Merchants Securities Banking, said.
Compared with other pension financial products, pension financial products have the characteristics of stability, long-term and inclusiveness. Once launched, they have been favored by investors and will be the core business in the future personal pension financial system. For banks, pension financing is also an important layout area for future asset management business. In the next step, bank financing needs to fully grasp opportunities and meet challenges, and further create differentiated competitive advantages.
Enhance the attractiveness of products
"In the case of unstable financial income performance, I can not only have a relatively stable income expectation, but also pay dividends. I am still very satisfied." Ms. Huang, who invested in Everbright wealth management products, told the Financial Times reporter.
It is understood that "Everbright Wealth Management Enjoy Sunshine Pension Product Orange 2027 No.5" adopts the investment framework of "multi-assets+multi-strategies", which mainly invests in fixed-income assets. Through comprehensive analysis of the macroeconomic situation at home and abroad, the trend of market interest rates and the supply and demand of funds in the bond market, the interest rate trend in the bond market is predicted, and the yield, liquidity, credit risk and interest rate sensitivity of various investment products are strictly controlled.
"On this basis, we actively build and adjust the investment portfolio and strive to obtain excess returns. The product manager will distribute the income once or more every six months or every quarter, so that investors can effectively obtain long-term and steady return on investment. " The relevant person in charge of Everbright Financial Management said.
As a matter of fact, as early as May this year, Bank of Communications Financial's pension wealth management products started the dividend mode, and announced that its three products would enjoy Tianfu's five-year closed No.1 wealth management product, No.2 wealth management product and No.3 wealth management product all adopted the cash dividend method, and each dividend amount was 0.005 yuan.
Dividends for products of pension financing create a good investment atmosphere with continuous income, which not only increases customers' sense of acquisition of investment, but also improves their satisfaction with products and enthusiasm for buying. "The' financial management+dividend' model meets the needs of customers who regularly withdraw pensions, and really' adds meals' to investors' pension life." The person in charge of Bank of Communications Finance said.
At the same time, the stability, long-term, and inclusiveness of pension products have also become an important factor to attract investors. "The asset allocation of personal pension wealth management products is mainly based on creditor's rights assets such as deposits and bonds. The risk is relatively low, the withdrawal rate is small, the investment strategy and concept are more stable, and non-parent third-party independent custody is implemented. At the same time, the product term in the pilot stage is 5 years or more. After the personal pension account is officially launched, the minimum holding period of future products will be 1 year in principle, and more than 3 years will be encouraged. In addition, its purchase threshold is low, the starting point is generally 1 yuan, and some are as low as 0.01 yuan, which is convenient for the majority of workers to invest; The rates of product custody fees and management fees are more favorable, and the pilot stage is greatly reduced. "
