最高52%！养老基金今年真的很赚钱

Core Insights - The article discusses the performance of various pension funds (Y shares) as the deadline for personal pension tax incentives approaches in 2025, highlighting the significance of evaluating their returns [1][2][3] - It emphasizes the opportunity for investors to reassess their pension investments amidst a medium-term bull market that began in the fourth quarter of the previous year [1][2] Group 1: Fund Performance - Index funds have led the performance among pension funds, with significant gains observed in specific index funds such as the CSI Technology Innovation 50 and the ChiNext 50, with some funds exceeding a 50% increase year-to-date [6][5] - As of November 28, 2025, notable funds include Tianhong CSI Technology Innovation 50 ETF Link Y, which has a year-to-date growth rate of 52.25%, and others in the range of 40% to 49% [6][7] Group 2: Active Fund of Funds (FOF) - Active FOFs have also shown impressive performance, with funds like Guotai Min'an Pension 2040 Three-Year Y and ICBC Pension 2050 Five-Year Holding Y achieving over 30% growth [10][11] - The article highlights that these FOFs have managed to maintain competitive returns compared to some index funds, with growth rates ranging from 23.6% to 28.2% for several funds [10][11] Group 3: Investment Strategies - The Guotai Min'an Pension 2040 Three-Year Y fund has a strategic asset allocation focusing on equity, with a significant portion invested in gold and non-ferrous metals, contributing to its strong performance [16][18] - The ICBC Pension 2050 Five-Year Holding Y fund has adopted a technology-focused investment strategy, adjusting its holdings to include sectors like gaming and cloud computing, which aligns with market trends [20][24] Group 4: Overall Market Trends - The article concludes that the performance of pension funds in 2025 is commendable, with strategies ranging from technology-focused investments to stable dividend routes, indicating a diverse approach to pension fund management [26][29]