2025 Total Investment Return Rate Remains in the Top Tier! New China Insurance's Investment Strategy: "Stable, Accurate, Long-term"

[Global Network Insurance Comprehensive Report] 2026 is the first year of the 14th Five-Year Plan and also the year Xinhua Insurance turns 30. As a state-owned insurance company ranked among the Fortune Global 500 and the top 50 global life insurers, Xinhua Insurance always stays true to its original mission of “serving the country through finance.” It deeply understands the operating logic of the insurance industry: the liabilities side, represented by policies, is a solemn promise to customers to “provide long-term, beautiful, and healthy coverage”; the steady returns on assets are the core foundation for fulfilling these promises and supporting the company’s high-quality development.

Rooted in long-termism, Xinhua Insurance’s investment focus is on the three core directions of “investing steadily, investing precisely, and investing for the long haul,” continuously honing its ability to manage investments through market cycles. It supports technological innovation with patient capital, and empowers the real economy with financial “living water,” injecting solid momentum into national technological independence and self-reliance.

Investing steadily Strengthening the safety bottom line and upholding commitments

The liabilities of the insurance industry are inherently rigid. Regardless of market fluctuations, the promise of protection to customers remains a solemn vow. To achieve “long-term coverage,” it is essential to first establish a solid investment safety bottom line. This has been Xinhua Insurance’s consistent investment principle — seizing market opportunities while safeguarding operational fundamentals during market adjustments, ensuring stable protection for customers.

Data is the most powerful proof of strength: By the end of 2025, the company’s investment assets exceeded 1.8 trillion yuan, a 13% increase year-on-year; total investment income for the year was about 104.3 billion yuan, up 30.9%, setting new records; the total investment yield was 6.6%, and the comprehensive investment yield was 5.0%, firmly ranking among the industry’s top tier, demonstrating strong investment resilience in a low-interest-rate cycle.

Technological empowerment is the core engine for enhancing investment stability. Behind these achievements, the company consistently adheres to the unified principles of “safety, liquidity, and profitability,” building a comprehensive risk management system covering risk identification, assessment, monitoring, and response, to fortify the foundation of investment stability. Meanwhile, technological empowerment boosts stable investment; Xinhua Asset’s自主研发的AI智能选股模型**“Xinhua Asset - Intelligent Selection,”** with a yield exceeding 60% over the past year, effectively enhances the company’s risk resistance in investments.

The company is also advancing digital service upgrades, with iterations of “Palm Xinhua” and the “New Era System,” achieving 96% of policy servicing within 1 minute, creating an efficient, convenient, and secure intelligent service cluster. The case of “Technology and Finance Empowering Digital Infrastructure Construction,” which was successfully included in People’s Daily Online’s 2025 Financial Powerhouse Innovation Practice Case Library, has realized a dual enhancement of investment stability and service quality.

Investing precisely Anchoring national strategies and empowering development needs

Precise investment is not only key for insurance funds to obtain long-term stable returns but also a responsibility of state-owned insurers to serve the national overall strategy and practice financial political and people-oriented responsibilities. With a sense of “the nation’s big picture,” Xinhua Insurance deeply explores the “Five Major Articles” of finance. By the end of 2025, related investment balances exceeded 360 billion yuan, with a year-on-year growth rate surpassing 20%.

Focusing on the national strategy of technological self-reliance and self-improvement, the company precisely targets new productive forces, transforming the scale and term advantages of insurance funds into drivers of industrial upgrading, achieving deep integration of national needs, people’s livelihood, and insurance capabilities. By 2025, investments in hard-tech fields such as semiconductors, artificial intelligence, and biomedicine reached 140 billion yuan, a growth rate of over 27% year-on-year: Invested 1 billion yuan to establish the Zhiji芯基金 covering the entire chip industry chain, invested in the Zhongke Chuangxing hard-tech fund with 121 early-stage innovative projects, adopting a strategy of “early, small, long-term, and hard-tech” to nurture innovation and growth.

Precisely aligning with national strategic layouts, the company is building regional and industrial collaboration benchmarks. It has become a partner of the Beijing-Tianjin-Hebei Venture Capital Guidance Fund, investing nearly 4.5 billion yuan in core technology R&D, participating in the first batch of data center public REITs and sci-tech bond ETFs, fully supporting regional sci-tech innovation and digital economy development.

Investing for the long term Remaining patient capital and cultivating a long-term approach

Insurance funds are large in scale, long in duration, and highly stable, making them the most steadfast “patient capital” in capital markets. Xinhua Insurance abandons short-term profit-seeking thinking, upholds long-termism, and relies on the unique advantages of insurance capital to accompany real enterprises in deep development, continuously releasing the value of long-term investments.

Honghu Fund is a benchmark practice of Xinhua Insurance’s exploration of long-term investment of insurance funds. During the 14th Five-Year Plan, it cumulatively invested 46.25B yuan in three pilot funds, focusing on high-quality listed companies in the secondary market. It operates steadily and has achieved a “risk below benchmark, return above benchmark” performance, serving as a typical case of “medium- and long-term funds entering the market.” It is the only life insurance case selected for the CCTV Financial Powerhouse Annual Gala.

Thirty years of diligent cultivation have borne abundant fruits of long-termism. In 2025, Xinhua Insurance’s assets, operating income, and net profit all reached record highs, with a virtuous cycle between investment and liabilities; total dividends paid exceeded 8.5 billion yuan, a 7.9% increase year-on-year, with the stock price leading the A-share and H-share insurance sectors. This not only solidifies the foundation for the “long-term coverage” promise to customers but also transforms the “long-term investment” strategy into a core competitive advantage for high-quality development.

At thirty, a new chapter begins. Xinhua Insurance, with its commitment to “investing steadily, precisely, and for the long haul,” turns investment capability into a “ballast” to navigate cycles and safeguard customers. Standing at a new starting point, the company will continue to practice the “big insurance view,” fulfilling the responsibilities and commitments of a state-owned insurer, becoming trusted patient capital in the market, safeguarding livelihoods, supporting technological innovation, and marching confidently toward a brilliant next thirty years for Xinhua Insurance! (Xiao Ya)