National savings bonds are added to the pool, and the individual pension products are further expanded.

The third and fourth series of savings bonds in 2026 were sold on the 10th, marking the first batch of savings bonds to be included in the pool of individual pension products. Currently, more than ten banks including Industrial and Commercial Bank of China, China Construction Bank, and CITIC Bank have opened channels for purchasing bonds in the individual pension zone of the bank's app. The face annual interest rates for the third and fourth series of savings bonds in 2026 are 1.63% and 1.7% respectively, both higher than the current exclusive deposit rates for individual pension products of the same term. Industry experts say that savings bonds fill the gap in the high credit rating government bond category in the individual pension product system, helping to alleviate issues such as "hot account openings and cold payments." At the same time, individual pension products will bring important long-term funds to the bond market.