At the end of November 2025, marking the third anniversary of the official implementation of the individual pension system, Harvest Fund Management expanded investor education scenarios for pension investment services through a cross-disciplinary initiative combining 'pension investment and healthy living,' making significant progress in addressing key issues in pension finance.
In recent years, the institutional framework for individual pension investment in China has been continuously optimized, with an expanding range of products further meeting the multi-layered and diversified needs of pension security. Focusing on enhancing awareness of personal pension savings, Harvest Fund Management has innovated ways to promote and popularize individual pension investment by leveraging diverse scenarios from investors' daily lives.
Taking a recent event as an example, Harvest Fund Management recently organized a pop-up campaign themed 'Quick Charge for Life Superpowers—Harvest Pension Relay Station' in Shenzhen’s Sea World Central Business District, targeting young working professionals. The event consisted of two main components: 'live interviews with health and pension experts' and 'offline interactive pop-up experiences.' It focused on urban office workers’ lifestyles, integrating 'workplace health' with 'personal pension savings' in investor education efforts. The event was live-streamed in real time on platforms such as Douyin, Xiaohongshu, and Huanju Live, with cumulative online views exceeding one million. Both online and offline engagement helped raise public awareness about planning for personal pensions.
During the event, Li Jianjin, Director of Harvest Fund Management's Multi-Strategy Solutions Center, provided a comprehensive analysis of China's aging population trend and offered advice on individual pension investments. He noted that authoritative data predicts that by 2040, the proportion of China's population aged 65 and above could reach 24%, meaning one in four people will be over 65. The pressure on the social security system cannot be ignored. Relying solely on retirement pensions may result in a significant income 'gap' over the next few decades, making it crucial for individuals to build additional pension reserves.
Li Jianjin emphasized that the key to pension investment lies in shifting perceptions—from 'saving money for old age' to 'planning for the future.' Amid a general trend of declining interest rates, long-term planning with clear goals and strategies should be adopted to achieve steady asset growth through scientific investment. He believes that 'time' is the greatest ally in pension planning, while 'compound interest' is the most powerful effect. The public should actively understand the 'three-pillar' pension system jointly constructed by the state, enterprises, and individuals, make full use of tools such as individual pension accounts, and take early action to prepare adequately for their 'silver years.' For younger individuals or those with higher risk tolerance, moderate allocation of equity assets within individual pension accounts can be considered to pursue long-term growth potential.
Population aging is a global challenge, and the preservation and appreciation of pension funds are closely related to public welfare in retirement. Financial institutions are playing an increasingly important role in addressing pension challenges. The Central Financial Work Conference held at the end of October 2023 proposed that high-quality development in the financial sector should focus on 'five major articles,' with 'pension finance' mentioned for the first time, providing a roadmap for high-quality development in the mutual fund industry. The '15th Five-Year Plan' proposal emphasized 'improving and implementing the national unified basic pension insurance system and accelerating the development of a multi-tiered, multi-pillar pension insurance system,' setting clear priorities for the next five years.
As one of the pioneers in China’s pension investment sector, Harvest Fund Management has been fully involved in and supported the construction of the country’s three-pillar pension system. It has assembled a top-tier investment research team dedicated to pension investment, continuously innovating products and providing systematic services while integrating various resources to serve pension-related businesses. In terms of individual pensions, Harvest Fund Management launched its first public pension FOF product in 2019 and became one of the first fund companies approved to offer individual pension investment fund products in 2022. To date, Harvest Fund Management has included 11 public funds in the list of individual pension funds, covering target-date funds, target-risk funds, and index funds, offering a diversified product lineup to meet the needs of clients with varying investment horizons and risk preferences.
The seven pension target products include Harvest Pension 2030 Mixed (FOF), Harvest Pension 2040 Mixed (FOF), Harvest Pension 2050 Mixed (FOF), Harvest AnKang Stable Pension Target One-Year Holding Period Mixed (FOF), Harvest FuKang Stable Pension One-Year Holding Period Mixed (FOF), Harvest MinAn Add Years Stable Pension One-Year Holding Period Mixed (FOF), and Harvest YueKang Stable Pension One-Year Holding Period Mixed (FOF). The four high-quality broad-based index funds include Harvest CSI 300 ETF Link, Harvest CSI 300 Dividend Low Volatility ETF Link, Harvest CSI A500 ETF Link, and Harvest CSI 500 ETF Link.
By focusing on lifecycle management and innovative research services, Harvest Fund Management aims to meet the differentiated pension asset allocation needs of various client groups, striving to provide long-term, stable pension investment services to a wide range of investors—a practice consistently demonstrated over the past years. Facing the severe challenges of aging and low interest rates, in 2025, Harvest Fund Management upgraded its pension investment management system around the theme of 'performance stability,' establishing a new paradigm for pension investment centered on platform-based teamwork. Looking ahead, Harvest Fund Management stated that it will continue to leverage its platform resources, build on past experience and strengths, and match corresponding solutions to various pension investment needs, contributing to the broader pension landscape by solidly advancing the cause of 'pension finance.'
