2024中國個(gè)人養(yǎng)老金發(fā)展報(bào)告

CONTENTS個(gè)人養(yǎng)老金問卷報(bào)告02一、調(diào)查方式與調(diào)研樣本說明二、已開通個(gè)人養(yǎng)老金賬戶投資者畫像03三、已開立個(gè)人養(yǎng)老金賬戶投資者的繳存、購買情況 06四、購買個(gè)人養(yǎng)老基金Y份額投資者畫像09五、個(gè)人養(yǎng)老金投資者的投資行為模式-11六、投資者對(duì)個(gè)人養(yǎng)老基金的認(rèn)識(shí)-13七、個(gè)人養(yǎng)老金賬戶和養(yǎng)老基金投資的發(fā)展現(xiàn)狀19八、擁有年金的個(gè)人養(yǎng)老金投資者調(diào)查22個(gè)人養(yǎng)老金發(fā)展建議一、制度層面需要體系化降低個(gè)人養(yǎng)老金的投資風(fēng)險(xiǎn)27二、推動(dòng)養(yǎng)老二、三支柱協(xié)調(diào)發(fā)展29三、進(jìn)一步提升對(duì)個(gè)人養(yǎng)老金投資者的服務(wù)-30第一章第一章個(gè)人養(yǎng)老金問卷報(bào)告·一、調(diào)查方式與調(diào)研樣本說明·二、已開通個(gè)人養(yǎng)老金賬戶投資者畫像90%80%70%60%50%40%30%20%0%2.99%7.19%7.19%(二)主要居住在經(jīng)濟(jì)相對(duì)發(fā)達(dá)地區(qū)其中中部省市的投資者占發(fā)達(dá)省市的投資者養(yǎng)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%公務(wù)員12.65%23.09%43.28%12.65%23.09%43.28%29.30%19.71%24.36%19.93%27.67%(五)承擔(dān)更多婚育責(zé)任的投資者更愿意開通個(gè)人養(yǎng)老金賬戶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%受訪者每年個(gè)人養(yǎng)老金賬戶的平均繳存金額受訪者每年個(gè)人養(yǎng)老金賬戶的平均繳存金額總數(shù)比例36.6%24.1%9.83%8.28%本題有效填寫人次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%本題有效填寫人次46.30% 對(duì)產(chǎn)品收益不滿意4.25%短37.03%33.03%26.83%23.94%53.90%46.10%37.23%9.23%25(含)-30歲30(含)-35歲35(含)-40歲40(含)-45歲45(含)-50歲9.30%50(含)-55歲55(含)-60歲6.01%5.89%7.00%(三)投資者風(fēng)險(xiǎn)偏好更高7.26%4.60%0.16%32.91%中國個(gè)人養(yǎng)老金發(fā)展報(bào)告·五、個(gè)人養(yǎng)老金投資者的投資行為模式者一致4.02%1.57%4.34%1.49%中國個(gè)人養(yǎng)老金發(fā)展報(bào)告5%5%中國個(gè)人養(yǎng)老金發(fā)展報(bào)告·六、投資者對(duì)個(gè)人養(yǎng)老基金的認(rèn)識(shí)35%30%25%20%15%10%5%0%中國個(gè)人養(yǎng)老金發(fā)展報(bào)告(二)投資者的養(yǎng)老儲(chǔ)備方式27.9% 46.36% 中國個(gè)人養(yǎng)老金發(fā)展報(bào)告類取度量程5.63% 40.18%27.2%7.4% 7.6%2.46%5.29%中國個(gè)人養(yǎng)老金發(fā)展報(bào)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%中國個(gè)人養(yǎng)老金發(fā)展報(bào)告39.8%30.23%20.21%5.36%3.93%中國個(gè)人養(yǎng)老金發(fā)展報(bào)告5.04%1.83%5.57%·八、擁有年金的個(gè)人養(yǎng)老金投資者調(diào)查(一)企業(yè)基本情況介紹(二)該企業(yè)受訪員工畫像7.92%4.48%34.02%26.83%41.06%30.64%33.14%銀行定期儲(chǔ)蓄57.69%27.02%4.18%21.26%3.14%6.96%2.92%本題有效填寫人次受訪者的風(fēng)險(xiǎn)偏好該企業(yè)員工參與線上調(diào)研投資者受訪者的風(fēng)險(xiǎn)偏好該企業(yè)員工參與線上調(diào)研投資者7.6%22.9%57.4%4.44%6.1%本題有效填寫人次59.26%20.81%5.08%本題有效填寫人次(三)養(yǎng)老儲(chǔ)備意識(shí)較強(qiáng),但投資的風(fēng)險(xiǎn)偏好較低9.34%8.81%33.08%5.81%28.68%5.83%本題有效填寫人次9.59%6.85%7.57%27.9%4.82%其它本題有效填寫人次(四)對(duì)個(gè)人養(yǎng)老基金的收益預(yù)期較高44.18%44.24%本題有效填寫人次32.08%50.1%24.48%39.63%本題有效填寫人次82.44%45.49%32.48%22.02%本題有效填寫人次(五)個(gè)人養(yǎng)老金的開戶繳存投資比待提升36.69%52.91%30.38%36.98%27.82%3.26%對(duì)產(chǎn)品收益不滿意8.69%本題有效填寫人次第二章第二章個(gè)人養(yǎng)老金發(fā)展建議一、制度層面需要體系化降低個(gè)人養(yǎng)老金(一)投資管理是積累制養(yǎng)老金的核心