★ 宏观动态 ★ 中方发布《不跪！》视频传递何种信息？外交部回应 4月29日，外交部发言人郭嘉昆主持例行记者会。路透社记者就中国外交部微信公众号发布中英双语《不跪》 视频提问，中方是想传递什么信息？ "首先感谢你对外交部新媒体账号的关注，希望这条视频能够帮助各方更好地理解中方的立场。"郭嘉昆说。 俄宣布停火三天，外交部：希望各方继续通过对话谈判解决危机 4月29日，外交部发言人郭嘉昆主持例行记者会。今日俄罗斯记者提问，俄罗斯总统普京昨日宣布从5月8日到 11日进行三天停火，中方对此有何评论？ 郭嘉昆表示："在乌克兰危机问题上，中方的立场清晰明确，我们支持一切致力于和平的努力，希望有关各方 继续通过对话谈判解决危机。" 人社部：将制定提前领取个人养老金相关办法 人社部表示，下一步，持续深化改革。稳妥推进延迟法定退休年龄改革，及时完善配套措施。研究完善适应灵 活就业人员、农民工、新业态从业人员特点的参保缴费办法。进一步扩大企业年金覆盖面。制定提前领取个人 养老金相关办法。扩大职业伤害保障试点。 落实待遇调整。扎实做好今年调整退休人员基本养老金工作，重点向中低收入群体倾斜。推进城乡居民养老保 险全国基础养老金最低标 ...

Group 1 - The Ministry of Human Resources and Social Security (MoHRSS) is promoting the preservation and appreciation of social security funds through ongoing management actions [1] - The reform will include a gradual increase in the statutory retirement age and improvements to insurance payment methods for flexible workers, migrant workers, and those in new employment sectors [1] - There will be an adjustment in pension benefits, focusing on increasing basic pensions for low- and middle-income groups and raising the minimum standard for urban and rural residents' pension insurance [1] Group 2 - The MoHRSS encourages local governments to expand the scale of entrusted investments for enterprise employee pension funds [1] - There will be a deepening of the application of social security cards, integrating work permits for foreigners with social security cards, and enhancing the functionality of electronic social security card apps [1]

Core Insights - The personal pension system is rapidly evolving into a significant market, with nationwide implementation set for December 15, 2024, following initial trials in 36 cities [1] - Fund investments are gaining traction as a key component of personal pensions, with the total scale of 289 public fund Y-share products exceeding 11.39 billion yuan, marking a 21.28% increase from the end of 2024 [1][2] - The introduction of 85 equity index funds into the personal pension investment product catalog has led to a remarkable growth in their total scale, surpassing 300 million yuan within a month of launch [1][2] Fund Performance and Strategy - The HuaTai BaRui Dividend Low Volatility ETF Link Y has emerged as a leading product, with a scale exceeding 1.22 billion yuan and a holder count of approximately 7500, making it the only index fund Y-share product to surpass 100 million yuan [2][3] - The dividend low volatility strategy aligns well with personal pension investment goals, offering low fees, stable styles, and transparent holdings, which help mitigate risks and enhance long-term returns [2][3] - The HuaTai BaRui Dividend Low Volatility ETF Link A has shown strong performance since its inception, with a net value growth rate of 89.61%, significantly outperforming its benchmark [6] Market Conditions and Opportunities - The dividend low volatility index's dividend yield has risen from 4.97% to 6.13% in 2025, indicating a favorable environment for this investment strategy [10] - The risk premium for the dividend low volatility index has reached a high point, with the yield difference between the index and the 10-year government bond yield at 98.63% of its historical peak [10] - Trading activity for the dividend low volatility index remains moderate, suggesting that it is not overheated, which is beneficial for long-term pension investments [13]

Group 1 - The personal pension fund Y share has surpassed 10 billion yuan for the first time, reaching 11.39 billion yuan, with a growth of over 20% compared to the end of last year [1][2] - The number of personal pension funds has expanded to 288, indicating a steady growth in the market [2][3] - The introduction of low-cost, high-transparency tools like index funds is expected to enhance asset allocation efficiency in personal pension accounts, attracting more long-term capital into the market [1][4] Group 2 - The regulatory body has optimized the admission mechanism for index funds, allowing more broad-based indices and suitable long-term value investment indices to be included in personal pension products [3][4] - Index funds are highly compatible with the needs of pension investors, providing stable returns and lower management fees, which aligns with the core demand for "steady appreciation" of pension funds [4][5] - The inclusion of index funds is anticipated to guide more medium to long-term capital into the market, creating a virtuous cycle of "long money and long investment" [4][5]

新浪财经"2025年度投教优秀案例评选"活动已于3月21日正式启动。嘉实基金投教品牌参选"投教项目优 秀实践奖"类别。>>活动详情 专题：515投资者保护！新浪财经2025年度投教案例展播中 MACD金叉信号形成，这些股涨势不错！ 据悉，嘉实基金在投教领域的实践成果显著，其中两个案例尤为突出。第一个案例是《5.15全国投资者 保护日 | 扬帆理性投资之舟，财富航程如何稳健远行？》。该文章从防范非法证券期货基金活动的角度 出发，详细总结了非法证券期货基金活动的概念、形式，以及投资者的自我防护手段和应对措施。通过 生动的案例和通俗易懂的语言，文章帮助投资者识别非法金融活动，树立理性投资、长期投资的理念。 文章发布后，浏览量达1.8万次，转发量13次，评论量13条，点赞量159次。 责任编辑：江钰涵 嘉实基金通过这两个案例，不仅提升了投资者的金融素养，还增强了公众对非法金融活动的防范意识， 为推动投资者教育事业的发展做出了积极贡献。 第二个案例是《个人养老金重大变化！和你我有关》。该音频聚焦个人养老金制度的最新调整，重点解 读了指数基金被纳入个人养老金产品目录的重要意义。内容涵盖了个人养老金制度的基本框架、参与方 ...

文/ 中欧国际工商学院经济学与金融学教授、中欧陆家嘴国际金融研究院高级学 术顾问 盛松成 稳增长政策应重视收入分配结构与促消费、稳增长的关系。在已有研究的基础 上，分析宏观收入分配结构对经济增长的影响，并针对我国居民可支配收入占 比低、再分配调节不够合理、民生领域支出有待增加等实际情况，从增加居民 部门可支配收入、提高边际消费倾向、引导需求结构向消费倾斜等方面，提出 一系列政策建议。 2024年我国顺利实现经济社会发展预期目标，全年GDP同比增长5.0%，其中四季度增长5.4%，为年内最高增速，成绩来之不易。但也要看到，很多积极 变化只是初步的，仍须夯实经济回升向好的基础。随着外部环境不确定性加大，内需重要性将更加突出，尤其是消费将在今年经济增长中扮演更重要的角 色。从2024年底召开的中央经济工作会议看，政策着力点也将更多转向惠民生、促消费。 由于居民和政府两大部门在收入分配中的份额及其消费支出在很大程度上直接决定了一个经济体的消费发展水平，完善再分配机制，可能是激发消费内生 动力、促进经济增长的一把"钥匙"。"再分配"是指政府或公共部门通过税收、社会保障、财政转移支付等政策工具，对初次分配（往往是由市场机 ...

现在缴存最高可得 一 元惊喜权益 4月至 全国税收宣传月正在开展中 … 每年的3月1日至6月31日 部是个人所得税年度汇算的日子 ?) 会年的税你退了吗? 开通这个账户 每年最高能省5400元税率! 他就是 ... 个人养老金 存安心 能意远 電福測 缴纳由个人自主储备的个人养老金 每年仅需一小笔投入 即可为银发岁月提前布局 QUAR Sm 开立个人养老金资金账户 根据税前收入的不同 还可以省下一笔不菲的税费 全年应纳 税所得额 全年应纳 税所得额 全年应纳 96万以上 税所得额 全年应纳 66-96万 税所得额 全年应纳 42-66万 税所得额 访际税率 全年应纳 30-42元 边际税率 全年应纳 积所得额 4.5% 14.4-30万 税所得额 边际税率 35% 3.6-14.4万 当年至宫 30% 边际税率 0-3.6万 节祝 录年至宫 25% 边际税率 市祝 当年至高 5400 20% 边际税率 节积 4200 当年至高 边际税率 10% 3600 节积 当年至高 3% 节积 3000 当年至高 节积 2400 当年至高 节积 1200 360 * 全年应纳税所得额= 综合所得金额-专项扣除 -基本扣除 ...

怒的上月账单已生成 点击查询 > 现在缴存最高可得 | 一 元惊喜权益 4月至 全国税收宣传月正在开展中 … 每年的3月和国套6月31日 都是个人所得税年度汇算的日子 3 去年的税你退了吗? 开通这个账户 電信最高能省5400元税费! 他就是 ... 个人养老金 存安心 l前台 E YEVI 缴纳由个人自主储备的个人养老金 每年仅需一小笔投入 即可为银发岁月提前布局 QUKS 0m 开立个人养老金资金账户 根据税前收入的不同 还可以省下一笔不菲的税费 全年应纳 税所得额 全年应纳 税所得额 全年应纳 96万以上 税所得额 全年应纳 66-96万 税所得额 全年应纳 42-66万 税所得额 访际税率 全年应纳 30-42元 边际税率 全年应纳 积所得额 4.5% 14.4-30万 税所得额 边际税率 35% 3.6-14.4万 当年至宫 30% 边际税率 0-3.6万 节祝 录年至宫 25% 边际税率 市祝 当年至高 5400 20% 边际税率 节积 4200 当年至高 边际税率 10% 3600 节积 当年至高 3% 节积 3000 当年至高 节积 2400 当年至高 节积 1200 360 * 全年应纳税所 ...

Core Viewpoint - The personal pension product catalog is expected to expand, providing new long-term allocation opportunities for index funds [1][3]. Group 1: Personal Pension System Development - Since the pilot program launched in November 2022, the personal pension system has been steadily advancing, with the number of accounts opened continuously increasing [2][4]. - As of the end of November 2024, over 72 million personal pension accounts have been opened across 36 pilot cities [4]. - The investment approach for pension funds is transitioning from savings and insurance to a more diversified and market-oriented strategy [4]. Group 2: Index Funds and Investment Strategies - The recent notification from local securities regulatory authorities allows public fund managers to apply for index funds to be included in the personal pension product catalog on a quarterly basis [3]. - The criteria for inclusion require funds to track widely recognized core broad-based indices or suitable long-term value investment indices, with specific hard indicators such as a minimum fund size of 1 billion yuan [3]. - The "dividend + low volatility" strategy is highlighted as a representative asset for personal pension accounts, with the HuaTai BaRui Dividend Low Volatility ETF leading in holder numbers [2][5]. Group 3: Performance of Dividend Low Volatility ETF - The HuaTai BaRui Dividend Low Volatility ETF (512890) has shown strong performance since its inception, with a scale exceeding 15 billion yuan as of April 2025 [7]. - This ETF has consistently achieved positive returns over six complete years, demonstrating adaptability to various market conditions [7]. - The ETF's strategy aligns well with the current market demand for sustainable and stable returns, especially in a volatile global environment [6][10]. Group 4: Market Trends and Future Outlook - The dividend low volatility strategy is gaining traction as investors shift focus from high growth to high certainty assets in a low-interest-rate environment [10][11]. - The index tracked by the ETF has a current dividend yield of 6.19%, indicating a favorable allocation window [8]. - The ETF has attracted significant capital inflows recently, reflecting its appeal amid market fluctuations [7][9].

Core Viewpoint - The article emphasizes the importance of pension investment and introduces fund regular investment (定投) as a simple and effective method for individuals to prepare financially for retirement [1][4]. Group 1: Fund Regular Investment - Fund regular investment is defined as a strategy of regularly investing a fixed amount in a specific fund, which helps mitigate timing risks and benefits from the power of compounding [4][10]. - A simulation shows that starting with a fund net value of 1.20 and ending at the same value can lower the average purchase cost to 1.07 through regular investment, enhancing the investment's cost-effectiveness [8][9]. - The advantages of fund regular investment include ease of operation, cost averaging, automatic execution of investment plans, and maintaining investment discipline over the long term [10]. Group 2: Pension-Specific Fund Products - The article introduces Y-class fund shares specifically designed for personal pension investments, which offer tax benefits and lower fees [12][13]. - Y-class shares provide advantages such as dedicated use of funds, lower management fees, and potential annual tax savings of up to 5,400 yuan based on different income tax brackets [18]. - Popular Y-class funds mentioned include various FOF (Fund of Funds) options with different risk levels, catering to diverse investment strategies [16][17].