Following the addition of individual pension Y shares to 40 pension target funds last week, on June 5438+065438+ 10/5 and June 16, E Fund, Huaxia, Guo Fu, Guotai, Wanjia, Ping An, Huabao, SDIC UBS and other fund companies successively issued announcements. So far, the number of products of individual pension funds has exceeded 80, and investors have more choices to buy individual pension products through individual pension accounts.
At the same time, since the beginning of this week, a number of fund companies such as Guangfa, South China, Central Europe and Huabao have successively launched the function of opening an account for personal pension accounts, and the official launch of personal pension accounts is just around the corner.
Individual pension funds have been expanded to more than 80.
Recently, individual pension funds have been expanding. On June 165438+1October16, E Fund, Huaxia, Guangfa, Guo Fu, South China, Central Europe, Cathay Pacific, Wanjia, Ping An, Boss, Tian Hong, ICBC Credit Suisse, SDIC UBS and other fund companies successively issued announcements, and in some of their pension target funds, The day before,165438+1October 15, Warburg Fund also increased its Y share in Warburg's steady pension goal for one year.
Prior to this, 40 individual pension funds were just approved and Y shares were added on June 1 65438+1October1day. Overall, the number of individual pension funds has exceeded 80. In the future, investors can subscribe for Y-fund shares of individual pension funds through individual pension accounts, and enjoy a 50% discount on management fees and custody fees, without charging sales service fees.
It is worth noting that up to now, the pension target funds of CEIBS, Wanjia, Tian Hong and other companies have all added Y-fund shares. The above-mentioned fund companies also said that they will continue to improve the product line of pension target funds in the future and strive to meet the diversified pension investment allocation needs.
For example, China Europe International Business School revealed that three FOFs for the aged have been approved (to be raised) in the next stage, including 1 TDF and two TRFs. After the layout is completed, CEIBS foresees that the four TDFs in 2025, 2035, 2045 and 2050 will form a gradient layout to meet the demands of customers of different ages for pension investment; China and Europe foresee a stable, balanced and pleasant TRF, which will form a product layout with different risk preferences and provide a one-stop pension allocation tool.
Wanjia Fund said that the approval of the new Y share is an important step for Wanjia Fund to launch personal pension business, which indicates that investors are one step closer to purchasing personal pension products directly through personal pension accounts. Wanjia Fund is a member of the Investment Management Committee of Social Insurance Fund of China Social Security Society. Earlier, the company deployed experienced professionals to carry out research in pension-related fields, participated in the research on individual pension policies organized by the regulatory authorities, and set up a pension department to prepare for related businesses.
A number of companies make online appointments to open personal pension accounts.
While fund products are gradually added to the exclusive Y share of personal pension account, the preparation of personal pension account is also improving day by day. The Securities Times reporter noted that since the beginning of this week, a number of fund companies such as Guangfa, Central Europe, South China and Huabao have successively launched the function of opening an account for personal pension accounts, and investors can make an appointment after filling in relevant information.
In addition, rich countries, Harvest and other fund companies also set up "pension zones" in direct sales channels. Wells Fargo Fund said that it is currently upgrading the personal pension business in the direct selling business, providing ordinary investors with pension knowledge, education and companionship services close to their personal pension life, and at the same time optimizing various functions such as personal pension calculator, with a view to enabling investors to understand the first personal pension fund more comprehensively and clearly.
It can be expected that the introduction of individual pension accounts is just around the corner. Huabao Fund said that the company has made full preparations from the aspects of product qualification review and system technology docking, and strives to provide high-quality personal pension investment services for investors on all platforms in the first time. In the future, Huabao Fund will continue to deepen pension finance, serve the public investors with professional asset management capabilities, and contribute to the preservation and appreciation of pension assets.
Gao Ying, director of pension investment of Ping An Fund, said that Ping An Fund, as the manager of personal pension investment targets, will be equipped with professional teams with high standards and strict requirements, and improve internal control and risk management mechanisms in a targeted manner to ensure closed-loop operation of funds and safe and independent assets, and implement long-term assessment and long-term evaluation requirements; At the same time, do a good job in the layout and investment of public pension products, do a good job in system docking and data interaction with the fund industry platform, and submit data on time and with good quality; Do a good job in the promotion and management of pension investment, carry out pension financial education and popularize the concept of pension investment.
How do investors choose products?
The official opening of personal pension has entered the countdown stage, but it is still difficult for ordinary investors to choose high-quality and suitable products in the face of a wide variety of personal pension funds. How should investors choose?
Li Xiaoyi, fund manager of Asset Allocation Department of Huaxia Fund, suggested that the choice of pension target fund can follow the "three-step" strategy:
1. Choosing a fund company with "endowment" gene mainly examines three aspects: whether it is an established fund company with large management scale, whether it has rich experience in endowment investment, and whether it has excellent long-term investment performance. We can calculate how much profit this company has achieved as an investor, how much dividends it has received, and whether it is born with a "tenfold fund".
Second, choose the investment team. It is best for the investment team to manage the old-age FOF with some characteristics, such as an independent FOF research team with sufficient manpower, a special asset allocation department and a leading and mature FOF investment and research system;
Third, looking at the performance of the fund, for the old-age FOF, we should pay attention to both the rate of return and its risk control ability, both of which are indispensable.
Cong Li, chief representative of Fidelity International Beijing Representative Office, added that pension is a life-cycle investment, not just a phased thing, so we can't focus on low-risk products. "Especially when the younger generation is making pension reserves, low-risk products may not be able to fight inflation, nor will they really win the benefits brought by long-term pension investment. We still recommend choosing products with higher risk and return; People who are nearing retirement or have retired have low risk appetite. Through portfolio investment, such as Public Offering of Fund supplemented by pension insurance products, they can better resist the related risks that may occur during the pension reserve process. "
Some fund appraisers have suggested that the choice of individual pension funds is mainly related to age, risk tolerance and financial investment knowledge reserve. The premise of choosing personal pension products is to scientifically evaluate your risk tolerance. If you lack investment skills, it is recommended to choose a pension target fund with one-stop configuration attributes, especially a target date fund.