165438+1On October 25th, Ministry of Human Resources and Social Security announced the implementation of individual pension system. As an important investment direction of personal pension, 129 personal pension fund has also issued announcements one after another, and the daily subscription and fixed investment business of personal pension exclusive Y share has been opened one after another. Some products can be purchased as early as165438+1October 25th. This also means that investors can buy personal pension funds through personal pension accounts.

With the imminent sale of personal pension funds, many fund companies have officially launched personal pension fund business on the direct selling platform, and set up special "pension zone" to support pension calculation, pension fund account binding, pension fund subscription, redemption, inquiry, product and information display and other functions.

Personal pension funds are officially put on sale.

165438+1October 25th, Ministry of Human Resources and Social Security announced the implementation of the individual pension system, and announced the list of 36 pilot cities of the individual pension system, which marked the formal establishment of the multi-level and multi-pillar pension insurance system framework in China and the formal implementation of the individual pension system.

As an important investment direction of personal pension,165438+125, 129 personal pension funds have also been announced one after another, and the daily subscription and fixed investment business of personal pension exclusive Y share will be gradually opened from now on.

For example, China Merchants Fund announced at the first time that it would open the Y share redemption business from June 25th, 165438+. Customers can open personal pension accounts and subscribe for pension target funds through various consignment and direct selling institutions. However, it is worth noting that due to the weekend, 165438+ is still confirmed by the net fund value of1October 28th.

Most fund companies, such as Huaxia, Yifangda, Guo Fu, Bank of Communications Schroeder and Guangfa, still choose to start offering from next Monday (165438+1October 28th). This also means that investors can purchase products through personal pension accounts at the official APP client of fund companies, banks, brokers, third-party agencies and other channels. Individual investors can get a 50% discount without paying sales service fee, management fee and custody fee when purchasing the above pension funds. In terms of tax extension and tax preference; The individual's contribution to the individual pension fund account can be deducted before tax according to the annual limit of 6.5438+0.2 million yuan, and only a tax rate of 3% is paid when it is collected; At the same time, the investment income of individual pension fund accounts is not taxed temporarily.

For example, in the investment catalogue of individual pension funds, Huaxia Fund has nine products shortlisted, which is the fund company with the largest number of Y-share funds and the most complete product line. In addition, 8 FOF products from Huitianfu and South China were included in the product list of individual pension investment funds, and 7 products from E Fund and 6 products from Guangfa Fund were listed respectively. The number of products selected by the company ranks first in the industry.

Alvin Wong, chief marketing officer of E Fund, said that E Fund is ready to ensure the safe, orderly and timely development of personal pension business. In terms of system, the company has conducted several rounds of multi-party testing to ensure smooth operation; In terms of products, seven new Y-type shares of pension target funds that meet the policy requirements have been added, and these seven products have all entered the first batch of individual pension funds; Pension investment is an important part of personal pension business. The company has set up pension zones on official platforms such as WeChat official account, investor education base and direct selling APP to provide knowledge and services from the perspectives of personal pension necessity, personal pension planning, personal pension policy and participation process.

In order to implement the national strategy of actively coping with the aging population, some fund companies have also helped the implementation of the third pillar personal pension system with practical actions.

For example, Bank of Communications Fund took the lead in opening individual pension accounts and individual pension fund accounts in Bank of Communications in batches for all employees of the company, realizing the whole process of fund account activation, fund deposit, investment in Bank of Communications Fund to enjoy a stable pension for one year (FOF) and Bank of Communications Pension for 2035(FOF). Among them, Bank of Communications enjoys a stable one-year pension (FOF), which is the only FOF product on the market with a management scale of over 10 billion yuan. By the end of the third quarter, the management scale was nearly 654.38+055 billion yuan.

How to buy Y share of individual pension fund?

With the imminent sale of individual pension funds, many fund companies, such as Huitianfu, Huaan, Huabao, Bosera and Jiashi, have also officially launched the "Pension Zone" on the direct selling platform, which can support pension calculation, pension fund account binding, pension fund subscription, redemption, inquiry, product and information display and other functions.

So, how do investors buy Y shares? Take the direct sales channels of fund companies as an example, and Huabao Fund provides operation guidelines.

First, investors need to open a personal pension account in the bank. 1from October 25th 165438+ 15, the bank will open an individual registered personal pension account (type II account). After registration, investors will have a bank card number of 16 digits. It is worth noting that investors will transfer money into this account, and the transferred money will not be withdrawn until retirement.

Secondly, investors can associate individual pension accounts through the fund company's direct selling platform, and then they can use the balance in the individual pension accounts to purchase Y shares.

What is the actual situation? The reporter conducted a trial run on the Huabao Fund APP: First, click on the home page "Personal Pension" and you need to fill in the information of the first account opening process; Two, query the bank, fill in the bank account; 3. Click "Buy Now" on the product card, or click "Auto Buy" to set a fixed investment, which is more worry-free (note: annual quota 1.2 million yuan, which can be invested in one time or purchased in installments); Fourth, enter the purchase amount, check the description of the goods, and finally enter the transaction password.

In addition to Warburg Fund, many fund companies have also launched pension investment zones on the official direct selling platform.

For example, the direct selling platform of Huaan Fund has been launched in the "Pension Investment Zone". After the designated bank opens a personal pension fund account, investors can buy it at terminals such as APP. Huaan Fund Pension Zone is based on providing investors with pension investment services that fit their life cycle and actual needs. It has set up a small pension class, popularized the concept of pension investment at all ages, and comprehensively explained the personal pension system and preferential tax policies. Open pension calculator and other functions to provide customers with reasonable investment advice.

Huitianfu Fund also said that the Y shares of the company's eight pension target funds have been successfully launched in relevant cooperation channels, and the company's direct selling platform has also been launched in the pension field. We are continuing to strengthen the construction of old-age care areas in various sales channels, the training of channel account managers, and the promotion of various old-age care activities. And form a linkage in the personal pension business.

In the future, fund companies still need to constantly improve their capabilities.

Of course, the sale of Y share is only the "first step" of personal pension business, and it is facing a new era of personal pension. In the future, with the expansion of products and the deepening of services, there is still much room for exploration and efforts in Public Offering of Fund's pension business.

Li, general manager of Huaxia Fund, said that Huaxia Fund hopes to play the role of the chief planner of pension finance, and provide life-cycle pension financial solutions, with "planning" as the core, and based on customers' pension financial planning, customer service, personal pension investment consulting, pension investment management and other related businesses will be derived. Of course, in order to realize these beautiful visions, fund companies also need to make a lot of preparations:

First of all, we must continue to consolidate our investment ability. This requires not only the ability of asset management, but also the definition, creation and management of assets. We should be good at tapping all kinds of excellent underlying assets in the capital market and package them into a clear-headed underlying product or combination of pension allocation through product design. At the same time, it is necessary to deeply understand different types, ages, income levels and risk preferences of pension investment customers, formulate corresponding asset allocation strategies according to their needs, and do a good job in portfolio management. It is necessary to effectively combine product creation with meeting investors' pension investment needs.

Secondly, it is to continuously improve financial technology capabilities. Providing pension planning services for a large number of customers requires corresponding financial technology support such as smart investment and big data to realize personalized, intelligent, in-depth and temperature-sensitive services.

In addition, attention should also be paid to building a business ecosystem and promoting inter-agency cooperation. A tree is not a forest. In the lush forest where the third pillar will flourish in the future, all kinds of pension management institutions must not win-win, but win-win and win-win benign competition. Personal pension business is ultimately a complete business ecology, and there is not only direct competition among institutions, but also mutual compensation. Through complementary advantages, we can achieve the investment goal of providing for the aged and promote the development of the industry in healthy competition.

Alvin Wong, chief marketing officer of E Fund, pointed out that since the concept of personal pension has not been popularized in China, it will take some time for personal pension as a new institutional model to be familiar with and accepted by the public.

Therefore, in the early days of the system, fund companies need to be based on the long-term. On the one hand, they should pay attention to the needs of customers and provide them with investment solutions for personal pension. On the other hand, they should make great efforts to popularize knowledge and cultivate ideas. Through continuous, simple and diverse investor education, more investors will realize the necessity of individual pension and understand the positive role of pension funds in pension investment, and then gradually recognize and choose this product.