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].