New Strategies for Insurance Industry's "Opening Red" and Offshore Asset Allocation

Strategy Transformation for "Red Opening" and Cross-Border Allocation Trends

The insurance industry's "New Year Opening" marketing strategy is shifting from a pure scale focus to one that balances value and service. Institutions are prioritizing long-term, stable returns and meeting customers' needs across their entire lifecycle. By optimizing product structures, they aim to strengthen organic growth and mitigate interest rate spread loss risks amid a downward interest rate environment.

At the asset allocation level, some insurance funds have moderately increased their exposure to overseas assets to diversify single-market volatility risks and capture diversified returns. This approach must strictly comply with regulatory requirements on capital outflows and investment scope, balancing liquidity, safety, and yield while ensuring that asset-liability matching remains within an appropriate range.

• Deepen customer segmentation management and strengthen the core role of protection-oriented products.
• Advance cross-border investments prudently while adhering to compliance standards and risk controls.
• Enhance post-investment management capabilities and dynamically adjust global asset allocation ratios.