“基金套餐”FOF开年爆火 20只产品已募近400亿份

Core Insights - The trend of "deposit migration" is becoming a core focus in the wealth management market as deposit rates decline and residents restructure their asset allocation [1] - By 2026, over 50 trillion yuan of residents' fixed-term deposits will mature, leading to a significant shift of funds from traditional savings to standardized asset management products with better yield flexibility [1] - Publicly offered Funds of Funds (FOF) are emerging as a key vehicle for accommodating this migration, with total FOF scale expected to exceed 240 billion yuan by the end of 2025 [1][5] Market Dynamics - In early 2026, 20 new FOF products were launched, raising over 38.1 billion yuan and attracting more than 140,000 investors [3] - Major fund companies like Bosera, ICBC, and Fortune have seen individual product fundraising exceed 4 billion yuan, indicating a "blockbuster" trend in the market [3] - The issuance of FOF products is on the rise, with 2025 expected to see a record number of new products and a total issuance scale of 84.4 billion yuan [1][3] FOF Performance - The FOF market is entering a "2.0 phase," characterized by a shift from traditional "fixed income plus" strategies to a broader investment scope that includes diverse asset classes such as Hong Kong stocks and gold [5] - The top FOF products by fundraising in early 2026 include Bosera's FOF with 5.844 billion yuan, ICBC's FOF with 4.581 billion yuan, and Fortune's FOF with 4.190 billion yuan [4]