个人养老金该如何投资？专家来支招

Core Insights - The personal pension system in China has been implemented for three years, with over 1,200 investment products now available, indicating a more diverse product system [1][8] Product Overview - As of November 25, the personal pension product catalog includes 1,245 products, an increase of 185 since the end of Q2 [1] - The four main product types are: - Savings products: 466 (most numerous, mainly bank deposits) - Insurance products: 437 (including annuity insurance, whole life insurance, and exclusive commercial pension insurance) - Fund products: 305 - Wealth management products: 37 (least numerous) [1] Pension System Structure - China's pension system consists of three pillars: - First pillar: Government-led basic pension insurance - Second pillar: Employer-led enterprise annuities and occupational annuities - Third pillar: Personal pension system, which supplements the first and second pillars [3] Contribution and Tax Benefits - Individuals can contribute up to 12,000 yuan annually to their personal pension accounts, which can yield investment returns and provide personal income tax deductions [5] Fund Performance - 97% of personal pension fund products have achieved positive returns since their inception, with only 9 products showing negative returns [8] - The number of investable public fund products has increased from 129 in 2022 to 305 [8] - The average return of index funds, excluding newly established products, is close to 20% [8] Market Growth - The market size of personal pension funds has surpassed 15 billion yuan, reflecting a 65% growth compared to the end of 2024 [10] Investment Strategy - Starting June next year, the range of investable products will expand to include funds, wealth management, savings, insurance, and government bonds [12] - Experts recommend diversifying investments and suggest a mix of different risk-return profiles, such as combining insurance and index funds [14][16]