养老目标基金运作案例分析——以中欧预见养老2035三年持有A基金为例  

A Case Study of Operation of Pension Fund-Taking China-EU Foresee Pension 2035 Three-Year Holding as an Example

作　　者：宋兰旗[1] 李帛宣 张依 汪灿 SONG Lanqi;LI Boxuan;ZHANG Yi;WANG Can

机构地区：[1]长春大学经济学院,吉林长春130022

出　　处：《吉林金融研究》2024年第3期1-9,29,共10页Journal of Jilin Financial Research

摘　　要：随着我国人口老龄化进程的加快,居民养老金需求也在持续增长。我国建立的养老金三支柱体系中,第三支柱占比较少,而养老目标基金作为新兴的重要投资工具,助力了第三支柱的发展。本文以中欧预见养老2035三年持有A基金为研究对象,运用定量和定性研究方法,对该基金从费用、投资收益、风险、资产配置、风险管理等方面进行了深入研究。最后,本文在总结个案研究的启示基础上,对该基金从改善资产配置、投资教育普及、投资策略匹配和平衡长期风险四个角度提出了具体的、创新性的建议,以助推我国养老基金的发展。With the rapid aging population in China,there is a growing demand for pension funds.In China's three-pillar pension system,the third pillar has a relatively smaller proportion.As an emerging and important investment tool,the pension fund contributes to the development of the third pillar.This paper takes China-EU Foresee Pension 2035 Three-Year Holding as its research subject,employing both quantitative and qualitative research methods to conduct an in-depth analysis of the fund's expenses,investment returns,risks,asset allocation,and risk management strategies.Finally,based on the insights derived from the case study,this article proposes specific and innovative recommendations for the development of the pension fund in our country,focusing on improving asset allocation,promoting investment education,aligning investment strategies,and balancing longterm risks.

关 键 词：养老金 养老目标基金 中欧预见养老2035三年持有A基金 

分 类 号：F830[经济管理—金融学]