【环球网财经综合报道】个人养老金Y份额基金再次迎来扩容。进入7月份以来，国泰君安中证500、天弘中证500 指数增强、招商沪深300指数增强、博道中证500指数增强、华夏创业板ETF联接5只产品纷纷增设了Y份额并纳入 名录，至此，个人养老金Y份额基金总数达到301只。 Wind数据显示，截至二季度末，存量的296只个人养老Y份额基金合计规模为124.09亿元。其中规模在1亿元以上 的有29只，除建信优享进取养老目标五年持有Y、华泰柏瑞红利低波ETF联接Y、易方达科创板50ETF联接Y三只 产品外，其余26只均为2022年11月份首批成立的产品。另外，兴全安泰基金养老目标五年Y以10.32亿元的规模位 居首位，也是唯一一只规模超10亿元的个人养老Y份额基金，华夏养老2040三年Y规模达7.62亿元。 去年12月，首批85只指数基金Y份额被纳入名录。截至二季度末，指数基金Y份额总规模达15.76亿元，较一季度 末的11.86亿元增长了32.82%。 从二季度净申购份额数量来看，269只个人养老金Y份额基金二季度实现净申购，其中16只净申购额度超1000万 份。投资者认购活跃，背后有多重因素。一方面，Y份额基金业绩 ...

Core Insights - The personal pension Y-share funds have expanded significantly, with a total of 301 funds now included in the list as of July, following the addition of five new products [1] - As of the end of Q2, the existing 296 personal pension Y-share funds had a combined scale of 12.409 billion yuan, with 29 funds exceeding 1 billion yuan in size [1] - The top fund, Xingquan Antai Fund's five-year Y-share, has a scale of 1.032 billion yuan, making it the only fund over 1 billion yuan [1][4] Fund Performance and Investor Activity - In Q2, 289 Y-share funds achieved positive returns, with 21 funds exceeding a 4% return rate, led by the fund "Chuangjin Hexin Dividend Low Volatility Y" at 6.31% [6] - Investor interest in Y-share funds has increased due to improved performance, favorable fee structures, and tax benefits associated with these products [5][9] - Notably, 269 Y-share funds saw net subscriptions in Q2, with three funds achieving net subscriptions exceeding 10 million shares [1][4] Fund Characteristics and Selection - The Y-share funds offer a management fee discount of 50% compared to A/C shares and do not charge a sales service fee, making them attractive to investors [9] - The recent performance of Y-share funds has led to increased inquiries from potential investors, particularly in comparison to traditional insurance products [9] - Investors are advised to consider their own investment capabilities when choosing between Y-share funds and other pension products, with Y-share funds being suitable for those with some investment knowledge [12][13]