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As shown in the mid-year report in 2024, about 51% of fixed-income assets are held with interest due, and 16.9% are placed in "financial assets with fair value and changes included in current profits and losses", that is, this part pursues elastic income, which can be understood as seeking transaction value. Take a casual look at the current trend of bond funds and bond ETFs. There are quite a few products that have increased by 8%-10% so far this year, and there are many products that have increased by more than 5%. According to the current macro trend, the debt cow is more certain.In my humble opinion, in the future, we can replace the position of government bonds from two angles: interest rate bonds, especially high dividend companies, and lower the position of government bonds. Because now you can exchange liquidity through other channels, you don't have to have so many assets with very strong liquidity. Depending on the situation, stocks and funds that are growing in equity assets can be handed over to institutions for care. Don't expect Baosi to raise the stock assets too high, and the repayment rate and other indicators will follow. To sum up, it is still possible to achieve an implied hypothetical return of more than 4.5%. Moreover, if the regulatory authorities think there is risk, the predetermined interest rate will be adjusted.

Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.Secondly, not all fixed-income products such as bonds held by China Ping An hold interest at maturity.

There are also many changes in insurance products at the same time of life insurance reform. A few years ago, long-term health insurance was sold very much, and the duration of such products was long enough to resist the spread loss. There is also the fact that major insurance companies have increased the distribution of dividend insurance this year. Everyone will know what it means, right? As for the duration gap of Ping An's assets, I listened to the senior management once when I participated in an activity in 2021, and I don't have the latest data either. It is expected that the duration gap will be better than that three years ago.In my humble opinion, in the future, we can replace the position of government bonds from two angles: interest rate bonds, especially high dividend companies, and lower the position of government bonds. Because now you can exchange liquidity through other channels, you don't have to have so many assets with very strong liquidity. Depending on the situation, stocks and funds that are growing in equity assets can be handed over to institutions for care. Don't expect Baosi to raise the stock assets too high, and the repayment rate and other indicators will follow. To sum up, it is still possible to achieve an implied hypothetical return of more than 4.5%. Moreover, if the regulatory authorities think there is risk, the predetermined interest rate will be adjusted.Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.