只为更好的养老丨华商基金：把握税优政策 选择专业投资

Group 1 - The core idea of 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][20] - The maximum annual contribution to personal pension accounts is 12,000 yuan, which can yield a tax deduction of up to 5,400 yuan during the tax declaration period from March to June of the following year [4][22] - Personal pension funds are designed for long-term investment, and they feature a special Y class share that offers lower management and custody fees, optimizing investment costs [4][22] Group 2 - 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 that can enhance returns [2][20] - The investment philosophy of Sun Zhiyuan focuses on achieving absolute and relative returns, with his managed funds outperforming their benchmarks, such as the Huashang Jiayue Balanced Pension Target Fund achieving a net value growth rate of 20.94% over three years, surpassing its benchmark of 17.87% [8][27] - Huashang Fund offers a variety of pension target funds, including target date and target risk products, catering to different age groups and risk preferences, emphasizing the importance of early preparation for retirement planning [9][27]