国富平衡养老三年混合FOF

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“底仓”文化赋能,国海富兰克林FOF如何做到“长钱稳投”?
中国基金报· 2025-08-18 08:19
Core Viewpoint - The personal pension fund industry has achieved significant growth in both performance and scale in 2023, with the Y share scale surpassing 12.41 billion yuan, reflecting a 35.7% increase from the end of the previous year [2] Group 1: Performance and Growth - As of the end of June 2023, all personal pension funds have realized positive returns, with the highest return exceeding 20% [2] - The total scale of 296 personal pension funds' Y shares has exceeded 12.4 billion yuan, with FOF funds accounting for approximately 87.3% of this total [2] Group 2: FOF Fund Characteristics - FOF funds are characterized by low volatility and stable performance, aligning well with the long-term investment needs of personal pensions [2] - The global macro environment has led to increased market activity and volatility, prompting FOF products to adjust their regional and asset allocations more actively [2] Group 3: Case Study of Guohai Franklin Fund - Guohai Franklin Fund's FOF products exhibit two main characteristics: "global asset allocation" and "flexible investment strategies," leading to strong performance and high recommendations from retail channels [4] - The Guofu Balanced Pension Three-Year Mixed FOF has achieved a one-year return of 25.24%, ranking in the top 2% among similar conservative mixed funds [4] Group 4: Investment Strategy and Risk Management - The Guofu Balanced Pension FOF has historically invested in various markets, including A-shares, Hong Kong stocks, and U.S. stocks, effectively capturing market trends [5] - The fund has diversified its investments across bonds, commodities, and hedging tools, achieving a balance between risk and return [5] Group 5: Long-term Investment Philosophy - Guohai Franklin Fund promotes a "bottom warehouse" culture, focusing on long-term sustainable returns through fundamental research and balanced value allocation [7] - This investment philosophy aligns with the risk-controlled and long-term appreciation needs of pension funds, making it suitable for long-term holdings [7][8]