用时间的复利，换未来的从容

Core Viewpoint - The personal pension system, supported by government policy and market operations, has shown steady growth since its pilot launch in November 2022, with increasing participation and investment options available to meet diverse retirement needs [1] Group 1: Personal Pension Development - The personal pension system has been in operation for three years since its pilot launch and has been nationally promoted for one year, showing a steady increase in participant numbers and investment scale [1] - The types and quantities of investable products have expanded continuously, providing more choices for residents' diverse retirement investment needs [1] Group 2: Investment Insights - Early investment in retirement planning is emphasized, as even small initial amounts can accumulate significantly over time due to the effects of compounding [2][3] - An example using the CSI 300 Total Return Index illustrates that a monthly investment of 1,000 yuan over 20 years could grow from a total investment of 240,000 yuan to nearly 470,000 yuan by November 2025 [2][3] Group 3: Product Offerings - E Fund currently offers 25 personal pension products, including 14 target date funds and 11 index funds, catering to various risk levels and retirement timelines [3] - The product range includes funds targeting retirement years from 2033 to 2055 and various risk profiles, allowing investors to select suitable options based on their needs [3]