Under the careful preparation of the fund company's public offering, the first batch of individual pension fund products-pension target fund Y share was successfully launched at the end of June last year with 165438+. As of February 30, 2022, the total management scale of Y shares of the whole market 129 pension target fund exceeded 2 billion yuan.
At present, the construction of the third pillar of pension is in the ascendant, and deepening the personal pension business will become the "bright spot" of the business development of large and medium-sized fund companies.
Just look at 2023, innovation, diversification, investment and research ability, investor education? It is still the "key word" for head fund companies to expand their personal pension business.
Product layout trend: diversified investment types, including target date FOF, partial stock mixed FOF, partial debt mixed FOF and balanced mixed FOF.
The reporter of 265438+20th Century Business Herald noted that as of 20231October 22nd, in the catalogue of personal pension products published by the national social insurance service platform, savings products accounted for the highest proportion, followed by Public Offering of Fund products.
Next, in 2023, the head fund company plans to "continuously improve the product line and provide investors with rich choices of pension products".
Huitianfu Fund said that in the future, it will further improve the product layout of individual pension funds from three aspects: First, actively promote and gradually complete the declaration and distribution of pension products to further enrich the product line; The second is to promote the product innovation of pension target fund, vigorously develop stock funds, promote the perfection of FOF products, optimize the design of decline curve, and provide more diversified product choices for individual pension investment; The third is to explore and broaden the investment scope of individual pension funds.
A related person in southern fund said that in the future, the company will know more about customers' needs in the process of business promotion, and then develop more creative and better matching pension products. "In terms of the expansion of its own capability circle, FOF products on the market have penetrated into the bottom, and most of them are mixed with stocks and bonds. In the future, we will consider how to play a differentiated advantage in the allocation of stocks and bonds, enhance our strength in overseas assets, commodities and alternative assets, and truly provide cross-regional and multi-asset allocation solutions for pension customers. " He pointed out.
"In addition to the company's four funds that have been selected as the first batch of personal pension investment fund products, Tian Hong Fund will continue to enrich the pension target fund products and actively promote product innovation in pension in the future around the needs and characteristics of personal pension investment." Tian Hong Fund pointed out that the pension business is one of the strategic businesses of Tian Hong Fund. The company has set up a special pension investment and pension business team. The team members have many years of experience in the pension industry and are committed to providing investors with a good investment experience.
According to relevant persons of Guangfa Fund, compared with the first and second pillars, the third pillar is characterized by giving investors flexibility in choice, and guiding residents to make pension plans that meet their own needs by providing pension products with different life cycles and different risk preferences.
For product layout, "on the one hand, further enrich the target risk-oriented products with different risk levels and provide multiple choices for investors with different risk-return characteristics; At the same time, it is also necessary to enrich the target years of products on the target date, and better meet the long-term pension investment needs of people of all ages through scientific sliding channel design. On the other hand, we will develop and select fund products with the characteristics of safe operation, stable maturity, standardized objectives and long-term preservation, and promote the inclusion of these products in the list of individual pension funds to provide investors with more choices. " He talked about it.
2023: Multi-directional preparation
265438+20 th Century Business Herald reporter learned that while improving the product line, 2023 is also an important starting point for fund companies to lay out personal pension business.
Huitianfu Fund said that the company attaches great importance to the significance of personal pension and will continue to strengthen its work in five aspects in the future: First, actively meet the diversified needs of customers in product layout, enrich the product line of pension target funds, and try product innovations such as basic assets, investment strategies and rate structure to provide investors with more diversified choices.
Second, in terms of investment management, we should follow the principle of "regular" investment, constantly optimize investment methods, allocate them in a relatively balanced and decentralized way, strive to create products with stable style and sustained performance, and provide basic assets with stable style, correct values and sustained performance for pension investment.
Third, in terms of customer service, relying on pension accounts, investment consultants provide diversified configurations and services to help investors make pension plans and guide customers to develop the habit of regular investment and long-term investment.
Fourth, in terms of cooperation between channels and institutions, we will comprehensively build a wide network of channel cooperation, strengthen channel empowerment, actively explore solutions for enterprise employees, and continuously expand the coverage of personal pensions.
Fifth, in brand building, we should persist in educating pension investors, systematically promote the brand building of "Tian Hui Fu Hui for the Aged" and form a long-term trust connection with customers.
Tian Hong Fund also said that in 2023, it will focus on the layout of personal pension business from various aspects. First, actively participate in system construction. Tian Hong Fund is a member of the Pension Professional Committee of the Fund Industry Association. As one of the main sponsors, it initiated the establishment of the 50-person Forum on China's Pension Finance, and successfully held many summits on pension finance. In the future, Tian Hong will continue to strengthen research summary and practical observation, and make suggestions to promote the optimization and perfection of the individual pension system.
The second is to continue to build investment advantages. On the basis of summarizing and drawing lessons from the investment management experience of social security funds for more than ten years, Tian Hong Fund has established a unique asset allocation system and independently developed a large-scale asset allocation system. In the future, Tian Hong will continue to deepen its asset allocation and equity investment capacity, improve the long-term assessment mechanism, and better meet the investment needs of individual pensions. The third is to continuously optimize customer service. Establish a comprehensive investment service capability with pension account as the core, and combine online and offline to provide investors with comprehensive pension financial planning services.
"In 2023, investor education and companionship will continue. Personal pension business is a meaningful long-term undertaking, which requires us to awaken investors' pension investment awareness, give investors correct pension investment guidance and provide long-term pension investment companionship. Over the years, Tian Hong Fund has continued to carry out publicity and education on old-age care, conveying the concept of early old-age care planning. In the future, Tian Hong will continue to actively join hands with professional media to continuously enrich the investment products of pension finance, innovate investment channels and methods, and continue to promote national pension finance education. " Tian Hong Fund pointed out that.
CCB also attaches great importance to investor education. The company said that in the future, it will continue to provide one-stop pension planning services for investors, realize the life-cycle service of customers' pension, help the development of personal pension business, enhance customers' pension awareness, and match customers' pension needs, and continue to provide pension companion services from multiple dimensions such as pension concept, pension planning, asset allocation and product selection. Especially in regulating investment, we should share investment from market perspective and hot topics, at the same time, increase opportunities for offline and face-to-face communication with investors, strive to establish long-term trust, and solve a series of difficulties such as "difficult to allocate, difficult to choose and difficult to accompany" investors to the greatest extent.
In addition, harvest fund mentioned that in the future, cooperative financial institutions will work together to build a one-stop service system, give full play to Public Offering of Fund's "inclusive" attribute advantages, provide full-process support, full-scenario coverage and multi-agent participation, create a convenient environment for investors to participate in individual pension, and let the public experience the long-term investment sense effectively and conveniently. At the same time, continue to do a good job in personal pension investment and teaching. In the form of teaching, we will consider the needs of different channels and different types of customers, make full differentiated customization, and adopt preferential ways for different ages.