中证报中证网讯（王珞）个人养老金与基本养老保险、企业年金和职业年金等共同构成我国养老保障体 系。自2022年12月试行以来，个人养老金制度经过近三年的探索与建设，已实现稳健起步，公募基金Y 份额（个人养老金账户专属份额）规模稳步扩大，部分养老公募取得良好收益。截至10月31日，广发基 金旗下共有16只养老基金Y份额，今年以来、成立以来均为正收益（不含年内成立的产品），成立以来 平均回报22.26%，相较业绩比较基准的平均超额收益为4.67%。 从产品类型来看，养老公募基金可以细分为目标日期型、目标风险型、指数型三种。其中，目标风险型 FOF根据风险偏好划分为稳健型、均衡型、积极型，适合对自身风险承受能力较为了解的投资者；目标 日期型FOF则以退休年份命名（如"养老目标2050"），随着目标日期临近而动态调降权益比例，适配投 资者不同生命周期的需求；指数型基金（如"中证A500ETF联接Y"）则提供更低费率、高透明度的选 择，适合具有一定投资经验、可以自主搭配的投资者。 一家金融机构的专业能力与服务水平，直接关系到养老投资的长期稳健回报与服务体验，应审慎选择。 作为一家综合性资产管理公司，广发基金于2010年获 ...

Core Viewpoint - The public fund industry in China is entering a critical phase of deepening reform and improving quality and efficiency, with a focus on high-quality development to meet national strategies and public expectations [1][2] Group 1: Industry Development - The China Securities Regulatory Commission issued an action plan in May to promote high-quality development in the public fund industry, providing guidance for overcoming development challenges [1] - The industry faces the need to enhance investment capabilities, optimize customer experience, and strengthen investor trust while achieving scale growth [1][2] Group 2: Investment Research and Strategy - The company emphasizes a "platform-type, team-based, integrated, multi-strategy" investment research system to adapt to the evolving investment environment and diverse investor needs [2][3] - The focus is on quality enterprises and deepening value research to enhance the product and research system [2] Group 3: Talent Development - The company is optimizing its talent mechanism by attracting and cultivating versatile talents, organizing specialized learning, and encouraging teams to stay updated with global technological innovations [3] - A unified communication language is promoted to strengthen consensus and cognitive development within the research teams [3] Group 4: Product Innovation - The company is committed to developing actively managed equity funds that align with China's economic transformation, focusing on sectors like digital economy, consumption upgrade, and healthcare [4] - The company is expanding its ETF product offerings to meet the needs of long-term investors seeking transparent and efficient investment solutions [4] Group 5: Risk Management and Compliance - The company views compliance as a lifeline, continuously building a scientific system to ensure comprehensive compliance management across all branches and business segments [6] - A culture of compliance is cultivated to enhance the company's soft power and ensure the fulfillment of fiduciary responsibilities [6] Group 6: Investor Engagement - The company aims to shift the industry focus from "scale" to "investor returns," enhancing the investment experience through strategic sales services [7] - The company actively engages in investor education and social responsibility initiatives, promoting scientific investment concepts and supporting community development [7]