易方达基金陈彤：亟待建立投顾参与的养老体系

Core Viewpoint - The current pension system urgently requires deeper involvement from investment advisors, with five key recommendations proposed for improvement [1] Group 1: Investment Advisory Recommendations - Introduce fund investment advisors into personal pension accounts and establish a unified management platform [6] - Allow individuals to choose investment strategies within the second pillar of the pension system [7] - Integrate second and third pillar accounts to enhance management and planning services [7] - Establish cross-industry investment advisor licenses to cover all financial products [7] Group 2: Performance of Investment Advisory Services - As of the end of 2024, E Fund's advisory services have served over 120,000 individual clients and more than 100 institutional clients, with a profitability rate of approximately 70% since the service launch [2] - The growth rate of advisory service scale reached 85% in 2024, indicating significant improvement in investor experience compared to single product users [2] - Advisory account profitability has consistently outperformed single fund products over the past one, two, and three years by approximately 27.1%, 10.9%, and 11.2% respectively [2] Group 3: Employment and Training in Investment Advisory - The demand for investment advisors is expected to create numerous job opportunities, with a projected shortage of 90,000 to 110,000 advisors in the U.S. over the next decade [3] - A training and certification mechanism for investment advisors is being developed, with a comprehensive training program lasting nine months [4] Group 4: Future Trends in Investment Advisory - The trend is shifting towards full discretionary management services, with 91.3% of managed assets in North America being under full discretionary management [5] - AI technology is anticipated to enhance the efficiency and quality of advisory services, broadening service coverage and promoting inclusivity [5]