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鹏扬基金深耕养老金融,支持个人养老金“长钱长投”
Xin Lang Ji Jin· 2025-09-19 02:46
专题:北京公募基金高质量发展系列活动 新时代、新基金、新价值 综上,鹏扬基金通过系统化的投研框架和全程风控管理,在控制波动的前提下,帮助投资者更好地规划 养老生活、提升未来收入替代水平。 在指数型产品布局上,鹏扬基金聚焦于市场代表性宽基指数作为跟踪标的,面向具备一定风险承受能 力、追求长期权益资产超额收益的投资者,提供透明、高效的工具化产品解决方案。该类产品坚持清晰 的风格定位与稳定的策略执行,不仅持仓透明,更能够有效分散个股风险,贴合机构与个人资产配置需 求。 在个人养老金长期投资框架下,鹏扬指数型产品凭借其规则化、透明化的运作方式,有效降低了风格漂 移风险。在金融市场不断走向高质量发展、资本市场深化改革持续推进的背景下,该类产品有望帮助投 资者更好地把握经济增长与行业轮动带来的系统性机会,从而成为养老金账户中值得信赖的底层配置工 具。 【编者按】 当前,我国公募基金行业正步入深化改革、提质增效的关键阶段。作为资本市场的重要参与者和居民财 富管理的主力军,公募基金在实现规模增长的同时,也面临着提升投资能力、优化客户体验、增强投资 者信任等重要课题。推动实现高质量发展,已不仅是行业共识,更是服务国家战略、回应 ...
个人养老金理财产品扩容至37只 更好满足投资者多样化需求
Sou Hu Cai Jing· 2025-09-18 22:24
Core Viewpoint - The recent addition of two fixed-income personal pension financial products by China Post Wealth Management reflects the ongoing expansion and innovation in the personal pension market, which aims to meet diverse investor needs and enhance retirement planning options [1][2][3]. Product Development - The newly introduced products have minimum holding periods of 18 months and 2 years, with a risk level classified as moderate (level 2), primarily utilizing fixed investment strategies to balance asset allocation [1][2]. - As of August 2023, the scale of personal pension financial products from China Post Wealth Management has surpassed 20 billion yuan, serving nearly 400,000 investors [2]. Market Dynamics - The personal pension system, recognized as the "third pillar" of China's pension insurance framework, has shown steady growth since its pilot launch in 2022, with ongoing policy support indicating potential market expansion [2][3]. - By the end of June 2023, personal pension financial products generated over 390 million yuan in returns for investors, with an average annualized return exceeding 3.4% [3]. Innovation and Future Outlook - Key areas for innovation in financial products include diversifying product types to cater to different age groups, enhancing asset allocation capabilities, and integrating financial products with retirement services [4]. - The personal pension financial market is expected to become a significant component of retirement finance, providing robust support for residents' retirement needs as more financial institutions participate and innovate [4].
新时代·新基金·新价值——东方基金深耕养老金融,践行公募高质量发展
中国基金报· 2025-09-18 09:23
近日,在北京证监局指导下,聚焦"新时代•新基金•新价值"主题的北京公募基金高质量发展 系列活动正式启动。为贯彻落实引领行动",公司更是积极响应,多措并举,不断提升养老金 融业务能级,以实际行动更好地助力中国养老金融体系的健康发展。 在我国人口老龄化进程加速的背景下,构建多层次、多支柱的养老保障体系已成为国家战略 重点。 作为财富管理机构的重要一员,公募基金公司近年来持续投身养老体系建设。尤其在2022年 11月个人养老金制度正式启动后,普遍将个人养老金业务视为未来重点战略方向,进行全面 而深入的前瞻布局,阶段性成果显著。 东方基金紧跟国家战略,持续深耕养老金融领域,从产品布局、服务升级、投资者教育等方 面发力,致力于为投资者提供专业、多元、便捷的养老投资解决方案。 战略布局 迎接个人养老金新时代 自个人养老金顶层制度设计明确以来,多项配套政策陆续落地,为公募基金等机构参与我国 养老第三支柱建设提供了清晰的制度保障和发展空间。 作为核心的养老产品提供者,公募行业积极布局个人养老金业务,逐步构建起以养老目标基 金(FOF)为主、多类型产品协同发展的产品体系。 据证监会数据显示,截至2025年6月末,纳入个人养老金 ...
对个人养老金基金“亏转盈”的三点思考
Zheng Quan Ri Bao· 2025-09-17 16:13
Core Insights - The personal pension accounts in China have shown a significant recovery, with nearly 15% profit realized by many investors, indicating a positive trend in the market [1] - As of September 17, 98% of personal pension public fund products have positive returns since inception, with an average return of 15% and 67% of products seeing net value increases exceeding 10% [1] Group 1: Market Performance - The growth in net value of personal pension fund products reflects the stabilization and improvement of the capital market this year [2] - The long-term investment and compound interest design of the personal pension system is expected to catalyze the growth of China's third pillar of pension [2] Group 2: System Optimization - The personal pension system, launched at the end of 2022, has undergone continuous optimization, expanding its coverage and increasing the variety of investment products available [2] - Future enhancements may include adjustments in annual contribution limits, investment product ranges, and tax incentives [2] Group 3: Investment Strategies - Investors are encouraged to deepen their understanding of the system and actively participate in pension planning to capitalize on long-term investment benefits [3] - Emphasis is placed on maintaining a long-term investment philosophy, prioritizing safety and stability in asset allocation [3] - Selecting professional institutions and enhancing active management capabilities are crucial for navigating market volatility and ensuring better investment outcomes [3][4] Group 4: Lifecycle Investment Approach - A lifecycle matching principle is recommended for product selection, with younger investors favoring high-volatility products, middle-aged investors balancing risk and return, and those nearing retirement focusing on stable products [4] - The impressive performance of personal pension funds reflects market confidence in China's pension system reforms, which are expected to provide more investors with benefits from economic transformation and institutional changes [4]
多元配置,细水长流,这只养老FOF(007255)近1年收益13.04%
Xin Lang Ji Jin· 2025-09-11 05:23
随着权益市场趋热,行情日见活跃,养老FOF产品的特点及优势在当前市况中再次光泽倍显。这其中, 华宝稳健养老FOF A(007255)以近一年13.04%的收益率、同类基金排名前1/4的水准*,进入了许多投 资者的重点关注list并获得认可。 注:业绩数据统计截至2025.8.29,近1年同类排名19/80,基金分类标准为:银河证券基金三级分类-养 老目标风险FOF(权益资产0-30%)(A类)。相关数据已获托管行复核。 业界人士指出,FOF基金的突出优势是可以开展大类资产配置, 而养老产品一般风险收益特征相对稳 健,因此养老FOF基金一方面细水长流,能做到"岁月抚人心";另一方面在基金契约的范围内,又可 随"市"而动,让投资组合的风险收益更具性价比。2024年下半年以来,以华宝稳健养老FOF(A类 007255;Y类017271)为代表的一批养老FOF产品即依托有效的资产配置,并把握住主要资产市场的系 统性机遇,呈现出靓丽的净值上扬态势,为广大投资人做好资产储备、向安乐晚年过渡提供了良好选 择。 孙梦祎 华宝基金养老金部总经理助理 优秀的业绩体现出华宝稳健养老FOF基金经理孙梦祎在资产配置框架上的细致维度,亦 ...
【重磅】9月1日起,个人养老金又有新政策
中国建设银行· 2025-09-04 09:20
Core Viewpoint - The article discusses the new personal pension policy implemented by the Ministry of Human Resources and Social Security and other departments, which expands the scenarios for receiving personal pensions and clarifies the application process starting from September 1 [2]. Policy Interpretation - The original scenarios for receiving personal pensions included three situations: going abroad, reaching the age for basic pension, and complete loss of labor capacity [3][4]. - Three new scenarios have been added for receiving personal pensions: 1. Medical expenses exceeding the average disposable income of residents in the province for the previous year after insurance reimbursement [7]. 2. Receiving unemployment insurance for a cumulative total of 12 months within the last two years [7]. 3. Currently receiving urban and rural minimum living security [7]. Application Channels - The original application channel was through the bank where the personal pension fund account was opened [8]. - Two new application channels have been introduced: 1. A national unified online service portal [9]. 2. Social insurance agencies, including the national social insurance public service platform and the "掌上12333" app [9]. Review and Receiving Process - Social insurance agencies are responsible for verifying the pension application and uploading the results to the personal pension information management service platform [10]. - For approved applications, the bank will deduct a 3% personal income tax and transfer the funds to the individual's social security card bank account [10][11].
电子申报缴款之一般纳税人增值税及附加税费申报缴款篇来啦!
蓝色柳林财税室· 2025-09-02 08:46
欢迎扫描下方二维码关注: 情形1.如为确认式申报模式: (1)系统自动预填数据,纳税人对税(费)结果进行确 认。首先确认税款所属期,再确认预填数据是否有误。 AR GET E ge @ ... @ ... © 0.00 ● 0.00 确认式申报界面 (2)纳税人需要在销售收入模块确认销售额是否正确, 因系统预填数据通过读取发票数据生成,如果您存在未开 票收入,可直接点击销售额输入框,根据实际经营情况进 行编辑,完成后点击确认。 确认式申报修改收入 (3) 若确认式页面展示的数据不正确,比如需调整销售 收入以外的数据,请进入申报界面,点击"我要填表", 进入填表式申报模式填写表单。 L 8 国 la ® 000 @ ... 0 .. ◎ ão ● 。 。二 确认式进入填表式 填表式具体操作步骤可参照下述 情形3填表式申报模式 (4) 纳税人如需预览完整报表,可通过点击"预览报 表"进行查看明细报表数据。 a @ o.o @ a oo © a po 0 000 . 二 确认式预览报表 预览农单 点击 "预览报表" 进入申报表 预览详情。 报表预览界面 (5)纳税人填写完成,确认数据无误,点击"提交"后, 需要对本 ...
中国养老危机报告:超半数人退休准备不足,你的养老金够花吗?
首席商业评论· 2025-09-01 04:12
Group 1 - The core viewpoint of the article highlights the concerning state of retirement preparedness in China, with the retirement preparation index at a low 5.53 for two consecutive years, indicating a lack of readiness amidst an aging population [2] Group 2 - The pension dilemma reveals that while the basic pension insurance coverage exceeds 80%, the urban employee pension replacement rate is only 36.7%, and the average monthly pension for urban and rural residents is merely 226 yuan [4] - There is a significant disparity in retirement preparation between income groups, with low-income individuals showing a notable decline in their retirement preparation index, while high-income groups are experiencing an upward trend [4] Group 3 - The profile of individuals well-prepared for retirement includes those aged 36-45, with a bachelor's degree, working in state-owned enterprises, and earning over 170,000 yuan annually. Financial literacy is a critical factor, as those with high financial literacy save 47% more for retirement and are 2.3 times more likely to purchase commercial pension insurance compared to those with low financial literacy [6] Group 4 - Despite over 60 million personal pension accounts being opened, the average annual contribution is only 5,145 yuan, significantly below the 12,000 yuan cap. Interestingly, the middle-income group (earning 160,000-350,000 yuan) shows the strongest willingness to contribute, while 72% of individuals earning less than 100,000 yuan are in "ineffective insurance," missing out on tax benefits [7][8] Group 5 - The average expected retirement age is 62.5 for men and 56 for women, but behavioral experiments indicate that showing total pension amounts can increase the willingness to retire early by 20%. Conversely, shortening the retirement choice window can increase the proportion of individuals retiring on time by 15% [10] - A survey of the 18-35 age group reveals that parents with daughters are more inclined to delay retirement by an average of 1.8 years compared to those with sons. Additionally, higher-income youth tend to choose later retirement, with each point increase in financial literacy pushing the expected retirement age back by 0.7 years [11] Group 6 - Recommendations for addressing the retirement crisis include a combination of policy measures, such as pension adjustments and economic transformation, which could raise the retirement index by 1.18. The private sector's pension coverage is significantly lower than that of state-owned enterprises, indicating a need for enhanced tax incentives [15] - Individuals are encouraged to master basic financial knowledge, such as compound interest calculations, which could directly improve their retirement preparation index by 32%. With the old-age dependency ratio at 22.5% (five young people supporting one elderly person), relying solely on government pensions is insufficient [15]
事关免费学前教育、个人养老金、租房……9月新规来了
21世纪经济报道· 2025-08-31 11:10
Group 1 - The State Council issued opinions on gradually promoting free preschool education, starting from the autumn semester of 2025, which will exempt public kindergartens from charging care and education fees for children in their final year [2] - The implementation plan for personal consumption loan interest subsidy policy states that from September 1, 2025, to August 31, 2026, residents can enjoy interest subsidies on personal consumption loans used for consumption, excluding credit card transactions [4] - The notice regarding personal pension withdrawals, effective from September 1, introduces three new scenarios for pension withdrawals and enhances online service access through electronic social security cards and mobile apps [6] Group 2 - The new mandatory national standard for electric bicycles, effective from September 1, stipulates that electric bicycles must not exceed a maximum design speed of 25 km/h and that the total plastic mass used should not exceed 5.5% of the total vehicle mass [8] - The Supreme People's Court issued an interpretation regarding labor dispute cases, effective from September 1, stating that any agreement to not pay social insurance is invalid, regardless of whether it was negotiated or unilaterally promised by the employee [10] - The implementation of the "Identification Measures for AI-Generated Synthetic Content" from September 1 aims to help users identify false information and outlines the responsibilities of service providers regarding content labeling [12] Group 3 - The Administrative Division Code Management Measures will officially take effect on September 1, establishing rules for the creation and abolition of administrative division codes, which are reflected in the first six digits of personal ID numbers [14] - The Housing Rental Regulations will come into effect on September 15, mandating that rental properties must comply with safety and health standards, and stipulating conditions for the collection and return of security deposits [16] - The Rural Road Regulations, effective from September 15, require county-level transportation authorities to take effective measures against over-limit transportation on rural roads and allow for the participation of local residents in road maintenance through government service purchases [18] Group 4 - Starting September 1, Beijing and Hunan provinces will adjust their minimum wage standards, with Beijing's minimum wage set at no less than 14.6 yuan per hour and 2540 yuan per month, while Hunan's monthly minimum wage will be adjusted to 2200 yuan, 2000 yuan, and 1800 yuan for full-time workers [20] - From September 1, Sichuan Province will directly distribute maternity allowances to insured employees who meet the eligibility criteria, either by the employees themselves or their authorized representatives [22] - Guangdong Province will provide financial support for key projects in manufacturing innovation, quality enterprise cultivation, industrial intelligence application, and open-source ecosystem development, with individual projects eligible for up to 50 million yuan in subsidies, effective from September 1 until the end of 2027 [24]
9月1日起,个人养老金领取情形更丰富了!
Xin Hua Wang· 2025-08-28 04:01
Group 1 - The Ministry of Human Resources and Social Security and four other departments have issued a notice to enrich the scenarios for receiving personal pensions, effective from September 1 [2][13] - Three new scenarios for personal pension withdrawals have been added, including medical expenses exceeding the average disposable income, receiving unemployment insurance for 12 months, and receiving minimum living security [4][13] - Eligible participants can apply for personal pensions through the national social insurance public service platform or their bank where the pension account is held [6][13] Group 2 - Participants must first enroll in the basic pension insurance in China before they can participate in personal pensions [9] - Personal pension participants can decide their contribution frequency and amount based on their financial capacity, with tax benefits applicable upon retirement [10] - Basic pensions and personal pensions are distinct, with basic pensions being available to urban workers and rural residents upon reaching the legal retirement age [11]