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去年年底以来,有三只明确定位为养老基金的产品发行,分别为天弘安康养老混合基金、海富通养老收益混合基金、华夏永福养老混合基金。除此之外,也有一些基金在作产品宣传时,突出其养老功能,如银华股债恒定组合30/70指数基金等。其实,养老基金也并非新鲜事物,早在2006年已有一些基金公司以养老为主题推出生命周期基金,如汇丰晋信2016生命周期、大成财富管理2020生命周期等。不过,与国外成熟市场(如美国)相比,国内养老基金不论在数量、规模还是投资策略方面仍处于起步阶段。
Since the end of last year, there are three products that are clearly positioned as pension funds, namely Tianhong Ankang Pension Fund, Haifutong Pension Income Fund and Huaxia Yongfu Pension Fund. In addition, there are some funds that make their pension functions prominent when making product announcements, such as the Yinhua ETF Constant Portfolio 30/70 Index Fund. In fact, pension funds are not new. As early as 2006, some fund companies launched life-cycle funds on the theme of pension, such as the life cycle of HSBC Jinxin 2016 and Dacheng Wealth Management 2020 life cycle. However, domestic pension funds are still in their infancy in terms of quantity, size and investment strategy compared with mature markets in other countries (such as the United States).