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安全信誉好的网投赌博:GF Fund: pension target fund guidelines for the birth of pension financial development and then fruitful

时间:2018/3/5 18:03:12  作者:  来源:  浏览:0  评论:0
内容摘要: On March 2, Guidance Notes on Pensions Targeted for Securities Investment (Trial) (the Guidance) was promulgated formally. As a result, Chi...

On March 2, Guidance Notes on Pensions Targeted for Securities Investment (Trial) (the Guidance) was promulgated formally. As a result, China has created a special fund for the needs of the public pension fund types, raised funds to help the cause of China's pension more into the process.

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Against the background of deepening the pension system reform in the country and actively responding to the aging of the population, the introduction of the pension fund will give full play to the professional capabilities and operational experience of the public offering fund industry in the field of pension fund investment management. The introduction of the "Guidelines" has been a wide range of opinions solicited and revised, full details of the Department of full rigorous professional, fully reflects the purpose and essence of the residents pension value.

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First, the introduction of the pension fund is in due course

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With the continuous deepening of the population aging in our country, the current social pension system in our country is facing unbalanced and inadequate problems, which makes it difficult to support the increasingly urgent social pension needs. How to deal with the issue of pension has risen to a national strategy. At present, the state comprehensively deepens the reform of the social pension system and accelerates the improvement of the multi-pillar pension system. The introduction of the pension fund aims at enriching the choice of residents' pension investment and promoting the construction of the pension system.

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The introduction of the Pension Fund has enriched the investment choices for residents' retirement. With the increasing demand for pension services and the maturity of wealth management concepts, the demand for self-owned savings and investment in self-owned savings is on the rise. The survey data show that more than 75% of respondents think that pension reserves should be started before the age of 50, and about 80% of them would like to participate in the third pillar or make their own retirement savings. However, pension financial products currently available to residents are very limited. The pension fund adopts diversified asset allocation strategy, strictly controls withdrawal, standardizes investment operation, provides one-stop solution for individual pension investment, and effectively meets the needs of residents' pension funds to maintain and increase their value.

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In the meantime, the pension fund is the third pillar for building savings. At present, the third pillar is at a crucial stage in the design of the top-level system. The pension fund will provide the third pillar with reference to investment requirements and operational forms, and it is expected to dock the product pool of the third pillar in the future. In addition, the introduction of the pension fund also helps to further improve the pension fund management capabilities of the fund company and to popularize long-term, stable and safe pension investment concepts for individual investors.

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II. Public funds Deep plowing pension investment management for many years, laying a solid foundation for the operation of the pension fund target

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Overseas experience in the United States, United Kingdom, Hong Kong and other countries shows that the public fund industry usually plays a leading role in the field of pension fund management. In recent years, under the active guidance of the CSRC, the pension fund investment capability of the domestic public fund industry has been continuously raised, preparing for the pension fund and the introduction of the third pillars of personal tax-extended pension products in the future.

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First, raised fund companies have professional long-term investment and asset allocation capabilities, in line with the requirements of pension investment. Security and stability are the necessary requirements for pension funds. Public funds have always invested in value and long-term investments. According to the fund center fund data, partial stock raised funds averaged 34.93% of the proceeds from 2007 to 2017, while the same period Shanghai Composite Index yield was -20.79%. Asset allocation is the core of pension investment. After 20 years of development, the fund industry already has a stable product base that can be configured. In the meantime, the ability of fund companies to allocate assets has been on the rise in recent years. In particular, the introduction of public offering of FOFs enables individual investors to understand the effect of asset allocation and the asset allocation capabilities of fund companies.

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Second, the public fund industry has rich experience in pension fund investment and operation. Since 2002, the public fund industry began to manage the pension, and has now become an important commissioned investment manager for social security funds, pension funds and enterprise annuities. As of the end of 2017, the scale of social security funds and corporate annuities managed by public funds has reached 1.47 trillion yuan. From the perspective of investment capability, the fund industry assisted the social security funds and enterprise annuities respectively by 9.26% and 7.57% respectively in the 2007 to 2016 decade. The absolute return strategy such as risk balance and quantitative hedging has been continuously enriched. From the perspective of organizational structure, a number of fund companies set up a standardized front, middle and back office business system for the pension business to ensure the effective operation of pensions.

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III. Pensions Targeted Fund is a rigorous and professional design that fully helps residents preserve and increase the value of their pension assets

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The specific provisions of the "Guidelines" are rigorous and rigorous on the product design of the pension fund. The operation of the products is strictly regulated to meet the demand for safe, stable and long-term investment in pension assets.

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First, strive for sound product positioning to protect the safety of residents' pension assets.

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On the one hand, in the aspect of investment strategy, the pension fund adopts the fund in fund form, operates with mature and steady investment strategy based on target date strategy and target risk strategy, controls downside risk and pursues long-term steady value-added of the fund.

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On the other hand, on the investment deadline, we will actively guide the long-term holding and ironing out the investment risk. Historical data shows that the longer investors hold their funds, the higher the probability of positive returns. The pension fund adopts the mode of regular open operation or the minimum holding period, and the shortest closing operation period shall not be less than 1 year. Different closing deadlines will also adopt different investment strategies and set different requirements for the proportion of equity investment.

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Second, the operation of the product selection excellent gifted, strict standards to create high-quality products.

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The Guidelines clarify the investment targets of the pension fund and the qualifications of the fund managers. The guidelines ensure the quality of the underlying assets and professional standards of the managers from the entry level, and help the holders to obtain a good return on investment.

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In the investment target selection, compliance operation, clear style, good long-term yield, low risk products will be more favored, the pension fund should not only meet certain operating deadlines and net assets requirements, will also be Focus on style characteristics of stability, risk control and compliance operations.

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In the choice of fund managers and fund managers, both prudence and professionalism. On the choice of fund managers, the Guidelines make specific requirements on the company's establishment period, internal governance, compliance status, asset management scale, investment research capability and team allocation. Emphasis is placed on the role of fund managers in the pension business Comprehensive strength. The fund manager requires more than 5 years relevant working experience, stable and good historical investment performance, and good compliance.

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Third, product sales meet the individual needs of residents, discount rates practice inclusive finance.

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First, emphasize the adequacy of sales and investor education for pension fund. It not only requires the promotion of a suitable target pension fund based on the investor's age, retirement date and income level, but also proposes to step up investor education and disclose the corresponding risks to investors.

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Second, encourage the setting of concessionary rates to benefit the public and encourage investors to hold over a long period of time through differentiated rates arrangements.

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Fourth, profound knowledge, GF Creating professional pension investment management brand

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First, a deep understanding of the pension security needs of the property stability, and strive to make the line stable and far.

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Pensions Naturally, with the demand of security and stability and the pursuit of long-term returns, its investment management is not only a trust and entrustment but also a heavy social responsibility. GF Fund plow pensions investment management for many years, a deep understanding of their own responsibilities, and actively create value for the pension investment.

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As Wang Guang, Director of Asset Allocation Fund of GF Fund and Equity Portfolio Manager of Social Security said: "The principle of managing pension assets is to insist on safety, stability and long-term safety is to grasp the safety bottom line, the selection of underestimated value, Risk controllable varieties; the stability is manifested in portfolio management should take various measures to reduce portfolio volatility; the long-term performance of portfolio management is more focused on the pursuit of portfolio long-term risk-adjusted return on reasonable returns. "The company Zhang Jian, director of fixed income investment and social security bond portfolio manager, also believes that "the safety of funds is very high and safety is always the top priority. We should look for certainty gains under the controllable risks."

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Second, we will forge diversified investment and asset allocation capabilities and raise the overall professionalism of pension fund management.

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Pensions investment and operations target long-term, stable earnings, emphasizing diversified investments and asset allocation. In recent years, GF Fund has focused on the layout of the underlying products on the one hand, formed a variety of broad categories of assets, diverse styles and diversified product lines for the pension fund provides a complete underlying assets; on the other hand actively forging asset allocation capabilities, For the pension portfolio structure has laid a solid foundation for investment research. Since 2014, the company has started research on FOF systematically and established an asset allocation and investment management system based on the system of asset allocation research of different categories and the system of selecting the best underlying products.

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In terms of pension fund operation and operation, GF Fund conducted in-depth study of overseas practical experience. In the past three years, it conducted extensive research on foreign pension fund investment institutions to gain a deeper understanding of its pension system, pension fund management, asset allocation and product design experience. In line with the needs of domestic investors, the company has developed and stocked several types of pension FOF products, including target dates and target risks.

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GF Fund believes that the birth of the pension fund target marks the public offering of fund industry services to residents of pension opened up a new path. GF Fund will bravely assume the responsibility and mission. Uphold the accumulation of pension investment philosophy and experience accumulated over the years, diligently and conscientiously do a good job of pension funds, and actively layout consistent with the third pillar of the pension fund product line for the majority of investors to provide performance Stable, clear style, reasonable cost, convenient service pension financial services, professional contributions to the cause of national pension.


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