平安基金高莺：个人养老金三周年，共迎产品、投研、服务升级养老投资新时代

Core Viewpoint - The personal pension system in China, as the "third pillar" of the pension insurance system, has transitioned from policy blueprint to full implementation, becoming a crucial part of a multi-tiered pension insurance framework [1][7] Group 1: Product Innovation and Service System Upgrade - The company has optimized its product layout and service experience over the past three years, responding actively to the development of the personal pension system [2][8] - Currently, the company offers six pension FOF funds, including target date funds for 2025, 2030, 2035, 2040, 2050, and a stable pension fund, catering to diverse retirement time needs [2][8] - The company has introduced personal pension Y shares for its target date funds and stable pension fund, aligning with national policy to provide dedicated investment services for personal pensions [2][8] - Marketing and service upgrades include a comprehensive "online + offline" approach, product briefings, strategy sharing sessions, and dedicated service channels, enhancing customer experience and investment confidence [2][8] Group 2: Professional Team and Technological Empowerment - The company emphasizes strengthening core research and investment capabilities as a key guarantee for the development of pension finance, supported by continuous investment in team building and technology systems [3][9] - As of September 2025, the total scale of the Y shares for the five target date funds and stable pension fund reached 260 million yuan, generating nearly 10 million yuan in profits for clients since inception [3][9] - The asset allocation team consists of nearly 30 members, with an average industry experience of over 13 years, providing extensive expertise in asset allocation and fund research [3][9] - The company has developed the "Archimedes System," a comprehensive financial technology solution that supports asset allocation, fund research, portfolio construction, management, and risk control [4][10] Group 3: Future Outlook - The company aims to continue its mission of "professionally safeguarding the future of pensions," enhancing research and investment capabilities, product layout, and service upgrades to support the healthy development of the personal pension system [4][11]