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The third "国十条" of the insurance industry has activated the trillion-dollar retirement financial market. The direction of the development of the three-pillar retirement insurance has been determined!
① Vigorously develop commercial insurance annuities to meet the diversified retirement protection and long-term financial planning needs of the public; ② Encourage the development of new products and exclusive products that adapt to the individual pension system; ③ Support pension insurance companies in conducting commercial pension business and promote the development of exclusive commercial retirement insurance.
Head insurance asset management profit remained stable with slight increase in the first half of the year, but the industry is generally concerned about increased pressure in the second half of the year. "Stocks and bonds both face challenges."
① According to multiple insiders in the insurance asset management industry, the investment performance of various institutions in the bond market improved in the first half of the year. However, the subsequent challenges of the stock and bond markets will test the investment capabilities of these institutions. ② Some industry experts pointed out that currently, it is difficult to invest in non-standard (products). The latest data shows that the business of innovative products in insurance asset management contracted in the first half of the year, and the issuance of non-standard bond rights is still in a downward trend.
Adjustments are imminent! Many agency platforms are facing a wave of delisting for dozens of old products with a reserved interest rate of 3% on insurance products.
Ant Insurance, Huize and other insurance agency platforms have released reminders that nearly 30 insurance products with a 3% reservation rate will be taken off the shelves at the end of this month. Industry insiders have analyzed that after the reservation rate is lowered, the yield of savings-type products will decrease by approximately 14%, while premiums for guarantee-type insurance such as critical illness insurance are expected to increase by 20%.
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BlackRock: Like emerging markets, it is expected that developed market central banks will adopt a "Higher for Longer" interest rate strategy.
BlackRock Investment Institute stated in a report on Monday that some emerging market central banks are pausing rate cuts due to concerns about inflation, and decision makers in developed markets may also find themselves needing to maintain higher interest rates for a longer period of time (Higher for Longer).