个人养老金全国推广一年：基金类产品年内普涨，三年业绩分化

Group 1 - The personal pension system has been promoted nationwide for one year, with over 97% of pension fund products achieving positive returns in 2023 [2] - The total scale of personal pension funds reached 15.11 billion yuan, growing by 65.3% since the beginning of the year [2] - Among the 128 FOF products established for over three years, over 96% have achieved positive returns, with the highest return reaching 33.54% [2][6] Group 2 - The first batch of 85 personal pension index funds has all achieved positive returns, with an average return of approximately 24.2% since their establishment [3][4] - The total scale of personal pension index funds reached 2.294 billion yuan, increasing by 6.3 times since the beginning of the year [3] - The top four index funds tracking the ChiNext 50 Index have returns exceeding 58%, with the highest at 60.59% [4] Group 3 - The average return of personal pension FOF products in 2023 is approximately 13.2%, with about 99% of products achieving positive returns [6][7] - The total scale of personal pension FOF products reached 12.817 billion yuan, increasing by 45.3% since the beginning of the year [6] - Among the 128 FOF products established for over three years, the average return is 11.03%, with only 5 products showing negative returns [7][8]