2024中国个人养老金发展报告

CONTENTS个人养老金问卷报告02一、调查方式与调研样本说明二、已开通个人养老金账户投资者画像03三、已开立个人养老金账户投资者的缴存、购买情况 06四、购买个人养老基金Y份额投资者画像09五、个人养老金投资者的投资行为模式-11六、投资者对个人养老基金的认识-13七、个人养老金账户和养老基金投资的发展现状19八、拥有年金的个人养老金投资者调查22个人养老金发展建议一、制度层面需要体系化降低个人养老金的投资风险27二、推动养老二、三支柱协调发展29三、进一步提升对个人养老金投资者的服务-30第一章第一章个人养老金问卷报告·一、调查方式与调研样本说明·二、已开通个人养老金账户投资者画像90%80%70%60%50%40%30%20%0%2.99%7.19%7.19%(二)主要居住在经济相对发达地区其中中部省市的投资者占发达省市的投资者养老意90%80%70%60%50%40%30%20%0%3.53%5.77%30.26%29.04%3.53%5.77%30.26%29.04%28.63%10.46%10.79%11.66%9.63%16.78%10.79%11.66%9.63%16.78%13.06%15.58%13.30%8.28%19.27%26.58%33.96%21.13%公务员12.65%23.09%43.28%12.65%23.09%43.28%29.30%19.71%24.36%19.93%27.67%(五)承担更多婚育责任的投资者更愿意开通个人养老金账户4.65%17.54%41.62%29.63%17.54%41.62%29.63%20.37%32.46%37.21%16.52%13.73%20.70%13.73%20.70%19.72%20.59%11.11%9.48%10.24%21.57%33.21%14.08%12.14%5.80%受访者每年个人养老金账户的平均缴存金额受访者每年个人养老金账户的平均缴存金额总数比例36.6%24.1%9.83%8.28%本题有效填写人次15.69%26.80%15.69%26.80%30.07%16.78%7.95%13.33%13.33%27.99%33.89%16.62%5.77%9.99%56.64%5.12%39.24%本题有效填写人次46.30% 对产品收益不满意4.25%短37.03%33.03%26.83%23.94%53.90%46.10%37.23%9.23%25(含)-30岁30(含)-35岁35(含)-40岁40(含)-45岁45(含)-50岁9.30%50(含)-55岁55(含)-60岁6.01%5.89%7.00%(三)投资者风险偏好更高7.26%4.60%0.16%32.91%中国个人养老金发展报告·五、个人养老金投资者的投资行为模式者一致4.02%1.57%4.34%1.49%中国个人养老金发展报告5%5%中国个人养老金发展报告·六、投资者对个人养老基金的认识35%30%25%20%15%10%5%0%中国个人养老金发展报告(二)投资者的养老储备方式27.9% 46.36% 中国个人养老金发展报告类取度量程5.63% 40.18%27.2%7.4% 7.6%2.46%5.29%中国个人养老金发展报告 5%23%31%35%6%5%26%35%29%8%23%33%27%5%23%31%35%6%5%26%35%29%8%23%33%27%9%7%26%30%30%8%27%26%25%9%7%21%23%35%8%29%27%28%9%5%6%22%33%32%7%中国个人养老金发展报告39.8%30.23%20.21%5.36%3.93%中国个人养老金发展报告5.04%1.83%5.57%·八、拥有年金的个人养老金投资者调查(一)企业基本情况介绍(二)该企业受访员工画像7.92%4.48%34.02%26.83%41.06%30.64%33.14%银行定期储蓄57.69%27.02%4.18%21.26%3.14%6.96%2.92%本题有效填写人次受访者的风险偏好该企业员工参与线上调研投资者受访者的风险偏好该企业员工参与线上调研投资者7.6%22.9%57.4%4.44%6.1%本题有效填写人次59.26%20.81%5.08%本题有效填写人次(三)养老储备意识较强,但投资的风险偏好较低9.34%8.81%33.08%5.81%28.68%5.83%本题有效填写人次9.59%6.85%7.57%27.9%4.82%其它本题有效填写人次(四)对个人养老基金的收益预期较高44.18%44.24%本题有效填写人次32.08%50.1%24.48%39.63%本题有效填写人次82.44%45.49%32.48%22.02%本题有效填写人次(五)个人养老金的开户缴存投资比待提升36.69%52.91%30.38%36.98%27.82%3.26%对产品收益不满意8.69%本题有效填写人次第二章第二章个人养老金发展建议一、制度层面需要体系化降低个人养老金(一)投资管理是积累制养老金的核心