"老有所依、老有所养"是每个中国人最朴素的人生愿望。当前，在我国养老保障"三大支柱"体系中，公 募基金凭借专业投研能力与成熟管理经验，成为养老金保值增值的重要推手。 作为养老投资"排头兵"，工银瑞信基金在成立早期就把"做优养老"作为长期战略重点，目前已拥有养老 金投资管理业务全牌照，养老金管理规模行业居前。第一、第二支柱方面，持续为社保基金和年金管理 提供专业服务。第三支柱方面，截至2025年三季度末，工银瑞信基金旗下个人养老金Y份额基金产品总 数达到13只，精准对接"70后"至"95后"各年龄段、不同风险偏好人群的养老需求，实现"一站式"养老。 本期走进工银瑞信基金系列栏目，一起走进"养老三支柱"管理团队，听听他们是怎么为大家管理养老钱 的。 年金vs公募产品：差异化的投资管理逻辑 我国养老保障体系的市场化运作，离不开各类资管机构的专业化分工，尤其是一支柱社保、二支柱年金 更是由于其体量大、范围广，承担着社会厚重的托付。而公募基金正是其中的关键角色。 同样是资产管理业务，年金管理与公募产品运作却有着显著区别，核心差异体现在收益目标、角色定位 与投资模式三个层面。 从收益目标来看，年金管理需紧密匹配资金属性， ...

Group 1 - The core theme of the event is "New Era, New Fund, New Value," aimed at promoting high-quality development of public funds in Beijing and enhancing its role as a national financial management center [1] - The initiative is part of the implementation of the "Action Plan for Promoting High-Quality Development of Public Funds," which seeks to create a new brand for high-quality financial development in Beijing [1] - Public funds are increasingly becoming a vital choice for residents' wealth management, fulfilling various investment and financial needs [1] Group 2 - The personal pension system, launched in 2022, is a key component of the third pillar of the pension system, marking a significant step towards a more comprehensive and diversified pension framework in China [1] - Personal pensions serve as a long-term investment channel supported by government policies, allowing individuals to plan for their future while enjoying tax benefits [1][4] Group 3 - The three pillars of China's pension system include: the first pillar (basic pension insurance), the second pillar (enterprise annuities), and the third pillar (personal pensions) [2] - Personal pensions are designed to complement basic pension insurance and enterprise annuities, providing a stable and sustainable source of retirement funding [3] - Participants in personal pensions can enjoy short-term tax benefits and long-term enhancements to their retirement security [4]