2025年11月底，正值个人养老金制度正式实施三周年，嘉实基金以一场"养老投资+健康生活"的跨界联 动为服务养老投资拓展了投教新场景，扎实做好养老金融大文章。 人口老龄化是全球性的挑战，养老金的保值增值关系着大众的养老福祉，在破解养老难题上金融机构承 担的责任和扮演的角色越来越重要。2023年10月底召开的中央金融工作会议提出金融行业高质量发展要 做好"五篇大文章"，其中首提"养老金融"，为公募基金行业高质量发展指明了路径。"十五五"规划建议 提出，"完善并落实基本养老保险全国统筹制度，加快发展多层次、多支柱养老保险体系"，也为未来五 年明确了持续发力方向。 作为国内养老金投资的先行者之一，嘉实基金全面参与和助力我国养老三大支柱体系建设，为养老投资 配备一流投研团队，持续深耕产品创新和系统化服务，整合各类优势资源服务养老金业务。在个人养老 方面，2019年嘉实基金推出养老FOF公募产品，2022年成为首批获批个人养老金投资基金产品的基金公 司。截至目前，嘉实基金已有11只公募基金纳入个人养老金基金名单，涵盖目标日期型、目标风险型、 以及指数基金，多元化的产品布局有效满足不同投资期限、风险偏好客户群体的个养配置 ...

Group 1 - The profitability of personal pension funds is gaining market recognition, with 98% of funds showing positive returns since inception and an average return of 16% as of September 25 [1][2] - The number of personal pension funds continues to increase, with the recent addition of new products, bringing the total to over 300 funds [2] - A significant portion of personal pension funds has achieved high returns, with over 20% of products yielding more than 20% since inception, and some funds exceeding 60% returns [2] Group 2 - There is a growing awareness among investors regarding personal pension funds, with 65% of respondents in a survey indicating the need for additional personal retirement financial products beyond social security and corporate annuities [3] - The trend of early retirement planning is emerging, as 90% of respondents believe in the importance of early savings to maintain a comfortable retirement lifestyle [3] - The allocation of personal pension funds in actual investment portfolios remains low, primarily due to a focus on short-term fluctuations in product net values [3] Group 3 - Developing personal pension fund products is beneficial for enhancing residents' awareness of retirement savings and promoting deeper investment planning, contributing to a more sustainable multi-tiered pension system [4]