【养老】捕捉市场机遇 为养老投资加一点

Core Viewpoint - The article emphasizes the importance of personal pension contributions, highlighting tax benefits and savings opportunities associated with investing in pension funds through FOF (Fund of Funds) strategies [1][12]. Group 1: Market Performance - On November 13, the Shanghai Composite Index reached a new high, marking the strongest performance in nearly a decade [3]. - FOF fund net values have also achieved new highs this year, indicating a positive trend in the market [3]. Group 2: Investment Strategies - Pension funds can strategically invest in equity assets through FOF funds, which are designed for long-term growth and aim to reduce portfolio volatility while sharing in the long-term growth of the equity market [7]. - Over the past five years, the FOF fund index has shown relative advantages in controlling maximum drawdown and annualized volatility, while providing competitive long-term returns that align with the investment needs of pension funds [9]. Group 3: Fund Performance Metrics - The annualized volatility and maximum drawdown for various indices are as follows: - FOF Fund: 6.02% annualized volatility, -18.41% maximum drawdown, 13.97% total return - CSI 300: 18.04% annualized volatility, -45.60% maximum drawdown, 1.06% total return - Equity Funds: 18.97% annualized volatility, -47.80% maximum drawdown, 11.08% total return [10]. Group 4: Fund Offerings - Various FOF funds are available for different risk profiles, including: - Aggressive Strategy: Jianxin Youxiang Progress FOF (Y) [11] - Balanced Strategy: Jianxin Youxiang Balanced FOF (Y) [11] - Conservative Strategy: Jianxin Tianfu Youxiang Stable FOF (Y) [11]. Group 5: Tax Benefits and Cost Savings - The Y class shares for personal pension investments offer lower fees and tax benefits, allowing investors to save up to 5,400 yuan annually on taxes when contributing 12,000 yuan to their personal pension accounts [12][13]. - The article outlines that the fee rates for Y class shares are generally lower than those for A class shares, enhancing the overall investment value [12][14].