Experts predict that the comprehensive investment return rate of insurance funds in 2024 will exceed 7%, and insurance companies are expected to continue the investment return level of last year in 2025

On February 24th, the State Administration of Financial Supervision and Administration recently released the use of insurance industry funds in 2024. Data shows that in 2024, the balance of fund utilization of insurance companies will be about 33.26 trillion yuan, a year-on-year increase of 15.08%. From the perspective of asset allocation, bonds are still the “basic stock” for insurance asset allocation. At the same time, the proportion of stock allocation balance for life insurance companies and property insurance companies has increased compared to 2023. The interviewed experts stated that insurance companies increase their holdings of stocks due to increased confidence in stock assets and smoothing out financial fluctuations through specific investment strategies; The increase in bond holdings is due to factors such as reducing the risk of interest rate spread losses and strengthening the matching of asset liability duration.

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