近一年来，个人养老金基金市场持续壮大，产品数量与规模双双增长。2024年12月，首批85只权益类指 数基金纳入个人养老金投资产品目录，指数基金的加入为个人养老金投资增长注入新动力。 Choice数据显示，截至今年12月11日，个人养老金基金总数达313只，总规模超150亿元。其中，指数类 基金（增强指数型基金和被动指数型基金）合计95只，是自去年12月以来市场扩容的主要增量来源；养 老目标日期FOF和养老目标风险FOF数量分别为84只和134只，兴全安泰积极养老五年持有混合发起式 （FOF）Y、华夏养老2040三年持有混合（FOF）Y、中欧预见养老2050五年持有(FOF)Y和易方达汇诚 养老2043三年持有混合（FOF）Y规模均超5亿元。 个人养老金市场稳步扩容 基金盈利能力渐显 ◎记者 聂林浩 近年来，在制度红利与市场需求的共同推动下，个人养老金基金市场持续扩容，一些产品的业绩表现较 好，投资价值日渐获得投资者乃至年轻群体的认可。在业内人士看来，个人养老金业务发展驶入快车道 的同时，居民对个人养老金的理解仍待加强、产品存在同质化现象也是行业面临的挑战。 个人养老金基金业绩出色 个人养老金的盈利能力正逐渐显 ...

Group 1 - The profitability of personal pension funds is gaining market recognition, with 98% of funds showing positive returns since inception and an average return of 16% as of September 25 [1][2] - The number of personal pension funds continues to increase, with the recent addition of new products, bringing the total to over 300 funds [2] - A significant portion of personal pension funds has achieved high returns, with over 20% of products yielding more than 20% since inception, and some funds exceeding 60% returns [2] Group 2 - There is a growing awareness among investors regarding personal pension funds, with 65% of respondents in a survey indicating the need for additional personal retirement financial products beyond social security and corporate annuities [3] - The trend of early retirement planning is emerging, as 90% of respondents believe in the importance of early savings to maintain a comfortable retirement lifestyle [3] - The allocation of personal pension funds in actual investment portfolios remains low, primarily due to a focus on short-term fluctuations in product net values [3] Group 3 - Developing personal pension fund products is beneficial for enhancing residents' awareness of retirement savings and promoting deeper investment planning, contributing to a more sustainable multi-tiered pension system [4]