年度个人养老金缴存即将截止 华商基金以专业护航未来养老

Core Insights - The article emphasizes the importance of personal pension accounts as a third pillar of retirement savings, highlighting their tax benefits, exclusive product fee discounts, and long-term compounding advantages [2][14]. Group 1: Personal Pension Account Benefits - Personal pension accounts allow for an annual contribution of up to 12,000 yuan, which can be declared for tax deductions of up to 5,400 yuan during the tax filing period from March to June of the following year [3][14]. - Investment income from personal pension accounts is not taxed, and withdrawals are subject to a 3% personal income tax rate [3][14]. - The personal pension investment funds offer exclusive Y-class shares, which provide lower management and custody fees, optimizing investment costs [3][14]. Group 2: Professional Management Insights - Sun Zhiyuan, General Manager of the Asset Allocation Department at Huashang Fund, notes that personal pension funds have a long investment horizon and a relatively strong risk tolerance, allowing for strategic investment approaches [2][19]. - Professional managers can assist investors in adhering to investment disciplines that are often difficult to maintain, such as controlling positions at market peaks and gradually investing during downturns [19]. - The investment philosophy pursued by Sun Zhiyuan aims to ensure that even investors entering the market at the worst times can achieve a satisfactory investment experience [19]. Group 3: Fund Performance - The Huashang Jiayue Balanced Pension Target Fund (FOF) A has achieved a net value growth rate of 20.94% over the past three years, surpassing its benchmark of 17.87% [9][20]. - The Huashang Jiayi Pension Target 2040 Fund (FOF) A recorded a growth rate of 21.50%, significantly exceeding its benchmark of 15.65% [9][20]. - The Huashang Jiayue Steady Pension Target Fund (FOF) A achieved an 11.87% return over three years, outperforming its benchmark of 11.73% [9][20].