Core Insights - The first three-year performance report of personal pension funds shows that over 90% of the products achieved positive returns, with an average return exceeding 9% [1][2] - The personal pension investment system has been enhanced with the inclusion of various investment products, such as index funds and electronic savings bonds, showcasing the advantages of funds in competing with other financial products [1][2] Summary by Categories Performance of Personal Pension Funds - As of November 25, 2025, out of 129 personal pension funds, 120 achieved positive returns, resulting in a high success rate of 93% and an average return of 9.14% [2] - Notable funds include Guotai Min'an Pension 2040 with a return of 32.39% and Penghua Pension 2045 with 25.6%, with 12 funds exceeding a 15% return [2][3] Fund Categories and Returns - The total number of personal pension products has surpassed 1200, with 311 being fund products [2][4] - The average return for the 311 personal pension fund Y shares since inception is 13.33%, with passive index funds showing exceptional performance, some exceeding 40% [4] Investor Profile and Preferences - The majority of Y share holders prefer aggressive products (77%), while conservative products account for 18%, and balanced products only 5% [9][12] - The age distribution shows that the primary holders are aged 30-50, with males making up nearly 70% of the holders [12] Advantages of Y Shares - Y shares offer tax benefits, lower fees compared to other funds, and encourage systematic investment, promoting better investment habits [13] - Investing in equities is essential for young investors to combat inflation and maintain purchasing power over time [14] Investment Psychology - The investment experience is compared to dopamine (instant gratification) and endorphins (long-term satisfaction), emphasizing the importance of disciplined, long-term planning in pension investments [15]
个人养老三周年 这批养老基金赚钱了
Shang Hai Zheng Quan Bao·2025-11-26 14:04