經濟日報:發揮公募優勢服務個人養老
格隆匯12月1日丨經濟日報文章指出,多家基金公司發佈公告,旗下養老基金Y類份額自11月28日起開放日常申購和定期定額投資業務,投資者可以通過個人養老金賬戶進行申購。從我國公募基金髮展歷程看,公募基金有能力也有優勢在服務個人養老投資方面作出更大貢獻。與其他金融產品相比,公募基金服務個人養老金投資優勢何在?一方面,公募基金在養老投資方面積累了較豐富的管理經驗,能較好發揮權益投資對資產增值的作用。另一方面,基金產品契合個人養老投資需求。對投資者而言,養老目標基金注重長期投資策略,相比於某一年的收益高低,長期業績表現更爲重要。因此,在挑選養老目標基金時,投資者可重點關注基金公司的長期投資能力及基金經理業務能力。此外,應評估好自身風險承受力,選擇風險、期限與自身需求相匹配的產品。以目標風險型基金爲例,現階段市場上包含積極型、平衡型、穩健型等不同風險等級的產品,投資者應根據自身的風險偏好進行投資。
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