首批养老Y份额基金成立已满三年，投资业绩如何？ 智通财经记者据Wind数据统计，最早一批养老目标基金Y份额成立日期为2022年11月11日，距今已整三年，最新净值也披露到了2025年11月11 日。（注：由于FOF是主要投资其他基金的基金，它需要等所投资基金的净值都披露后，才能开始进行自己的资产估值并计算份额净值，因此其 净值更新和申购赎回确认的时间会晚于普通基金。） 该批养老目标基金Y份额共40只，有39只养老Y份额成立至今均实现了正收益，平均每只产品盈利10.97%；剩余1只则仍小幅度亏损0.77%。 整体来看，截至11月11日，剔除今年新成立的产品，目前全市场195只已有完整数据统计的养老FOF基金Y份额实现全员正收益，年内平均收益率 达13.41%。 成立三年最高累计赚近20% 2022年11月4日，人社部、财政部、税务总局、银保监会、证监会联合发布《个人养老金实施办法》，标志着个人养老金制度正式落地。随后，个 人养老金制度正式启动实施。 目前，纳入个人养老金账户的基金Y份额均为养老目标基金，采用FOF运作模式。其中，养老型FOF基金的Y份额就是"养老金"拼音开头的"Y"， 是专门针对个人养老金账户投 ...

Core Viewpoint - The article discusses the growing trend among young people to pursue FIRE (Financial Independence, Retire Early) as a means to achieve personal freedom and autonomy, contrasting it with traditional career paths and the associated anxieties of middle age and retirement [1][8]. Group 1: FIRE Concept and Its Appeal - FIRE is increasingly seen as an attractive lifestyle choice for young people who wish to avoid the conventional "retirement at a set age" narrative [1][8]. - The concept of FIRE emphasizes not just saving money but also finding ways to accelerate the journey towards financial independence [1][8]. - The article highlights various personal stories of individuals who have embraced the FIRE philosophy, showcasing their motivations and experiences [3][4][6]. Group 2: Personal Experiences and Challenges - Individuals like "肝师傅" and "大狮姐" share their journeys of transitioning from traditional careers to pursuing FIRE, revealing the emotional and practical challenges they faced [3][4]. - "肝师傅" reflects on the harsh realities of middle age and health issues that prompted his decision to retire early, emphasizing the importance of time and personal fulfillment [3]. - "大狮姐" discusses her realization that achieving financial freedom does not automatically lead to happiness, framing FIRE as a starting point for personal exploration rather than an endpoint [4][7]. Group 3: Financial Planning and Education - The article underscores the importance of proactive financial planning for young people, positioning FIRE as a strategy to combat feelings of anxiety and lack of control over life [8][10]. - 华夏基金 is actively involved in educating young individuals about retirement planning through initiatives like the "新青年未来计划" and various community events [10][11]. - The company has developed a comprehensive pension investment management system, managing over 440 billion yuan in various pension assets, indicating its leadership in the industry [11].

Core Viewpoint - The article discusses the growing trend among young people to pursue the FIRE (Financial Independence, Retire Early) lifestyle, highlighting both the appeal and the challenges associated with it. Group 1: FIRE Concept and Its Appeal - FIRE is increasingly seen as an attractive alternative to traditional retirement, especially among younger generations who are disillusioned with conventional career paths and the pressures of middle age [1][8]. - The concept of FIRE emphasizes not just saving money but also finding personal fulfillment and freedom in life choices [1][7]. Group 2: Personal Experiences and Challenges - Individuals like "肝师傅" and "大狮姐" share their journeys of transitioning from traditional careers to pursuing FIRE, illustrating the emotional and practical challenges they faced [2][4]. - "肝师傅" reflects on the harsh realities of aging and the need for a proactive approach to life, while "大狮姐" emphasizes the importance of self-discovery and personal values in the context of FIRE [2][4]. Group 3: Financial Planning and Education - The article highlights the role of organizations like 华夏基金 in promoting financial literacy and retirement planning among young people, addressing their immediate concerns while encouraging long-term thinking [10][11]. - The "新青年未来计划" aims to raise awareness about retirement planning, emphasizing the importance of balancing urgent needs with long-term financial security [10][11]. Group 4: Community Engagement and Support - Events like the "养老故事开放麦" series serve as platforms for sharing experiences and strategies related to retirement planning, fostering a sense of community among participants [10][8]. - The initiative reflects a broader trend of integrating financial education with personal storytelling to make retirement planning more relatable and actionable for younger audiences [10][8].