Core Insights - The first batch of pension target funds (Y shares) was established on November 11, 2022, and has shown positive performance over three years, with an average profit of 10.97% across 39 out of 40 funds [1][3] - As of November 11, 2025, the overall market of 195 pension FOF funds (Y shares) has achieved an average annual return of 13.41%, with all funds reporting positive returns [1][7] Group 1: Fund Performance - Among the first batch of 40 pension Y shares, 39 funds have achieved positive returns, with one fund showing a slight loss of 0.77% [1][5] - The top-performing fund, Jianxin Puzhe Pension Target Date 2040 Y, has a return of 19.61% since inception, while the average return for the group from the beginning of 2025 to now is 12.28% [4][5] - Notably, the Huaxia Pension 2045 Y fund has shown a remarkable return of 20.58% in 2025, despite a slight loss since inception [5] Group 2: Market Trends - The personal pension system was officially launched on November 4, 2022, marking a significant development in the pension investment landscape [2] - The pension FOF funds are designed specifically for personal pension accounts, utilizing a fund of funds (FOF) investment strategy [2] - The market has seen a growing number of funds achieving over 30% returns since inception, with the top fund, GF Pension Target 2060 Y, achieving a return of 45.03% [7][8] Group 3: Investment Strategies - The investment strategy for pension funds emphasizes long-term goals, focusing on maintaining purchasing power rather than merely beating inflation [8][9] - Continuous investment and the compounding effect are highlighted as key drivers for account growth in pension investments [9] - Industry experts suggest that enhancing participation in personal pensions requires strategic elevation of pension investment business by public fund companies [10]
平均赚超10%，首批40只养老基金Y份额成立已满3年，仍有1只在亏损
Feng Huang Wang·2025-11-14 10:50