据Wind资讯数据统计，截至8月13日，年内发布的债券指数已累计达207条，相较去年同期增长 39.86%。其中，信用债相关指数占比超六成，涵盖了不同信用等级、行业类型及发行主体的细分领 域，如中证指数于2月份发布的中证中高等级民企信用债指数便属于其中的典型代表；此外，利率债指 数同样保持稳定增长，在国债、地方政府债等品类上持续细化，为投资者提供了更丰富的低风险投资标 的参考。 值得注意的是，债券指数"上新"提速的同时，债券ETF产品也呈现出快速扩容的态势。数据显示，截至 8月13日，市场上共有债券ETF产品39只，其中仅今年成立的产品就有18只，占比达46.15%。这一数据 直观展现了债券ETF产品扩容力度，与债券指数的"上新"形成了紧密的联动。 进一步来看，债券ETF数量显著增长的同时，在种类上也实现了多维度拓展——2月份，首批基准做市 信用债ETF上市；7月份，首批科创债ETF上市。这些新品类的推出，既是对债券指数细分趋势的积极 响应，也进一步拓宽了投资者的选择范围，让债券ETF在服务实体经济和满足投资需求方面发挥了更广 泛的作用。 正如富国基金固定收益投资部基金经理张洋对《证券日报》记者表示，科创债E ...

Market Overview - The market continues to rise, returning to a rating of 4.9 stars [1] - Both large, medium, and small-cap stocks are up, with the CSI 500 and other small-cap stocks showing slightly higher gains [2] - Value styles such as dividends have seen slight increases, while growth styles have risen significantly [3] - The securities index has experienced a substantial increase, with historical patterns indicating that after a rapid rise, there may be a prolonged period of decline [3] - The Hong Kong stock market has also seen overall gains, particularly in technology stocks [4][5] Personal Pension Accounts - Recent news indicates that personal pension accounts will incur a 3% tax on both principal and earnings upon withdrawal, raising questions about their necessity [7] - The concept of tax deferral for personal pension accounts was previously discussed, emphasizing that it is not a complete cancellation of benefits [9] - Despite the tax implications, personal pension accounts still hold value for many investors [10] Case Studies on Personal Pension Accounts - Example of an individual with a monthly salary of 5,000 yuan shows that opening a personal pension account may not be necessary if they do not exceed the tax threshold [11][16] - A higher-income individual, earning 50,000 yuan monthly, benefits significantly from a personal pension account, even without making investments, due to the tax rate difference [21][26] - Another example illustrates that a younger individual with a 30,000 yuan salary can benefit from investing in index funds within their personal pension account for long-term growth [28][30] Recommendations for Personal Pension Accounts - The necessity of opening a personal pension account is minimal for those with a monthly income around 10,000 yuan or below [36] - Individuals earning between 15,000 to 20,000 yuan or more should consider opening an account, especially if they are closer to retirement [37] - Those already retired will not benefit from personal pension accounts [37] New Features and Tools - A new feature in the "Today Few Stars" mini-program has been launched, allowing users to access an ETF valuation table [38][39] - The program aims to help investors identify undervalued ETFs and track real-time valuation data [42][46]