Supporting retirement savings, Everbright Anxuan Balanced Retirement FOF has achieved a 24.97% performance in nearly one year.

As the population aging process continues to advance, the demand for residents’ long-term retirement savings has become increasingly prominent. How to choose a suitable retirement investment tool has become a key focus for investors today. Against this backdrop, Everbright Prudential (formerly Everbright-Bodison) Anxuan Balanced Retirement Target Three-Year Holding Period FOF (code: 022376) delivered an impressive performance: its past one-year return was 24.97%, significantly outperforming the同期 11.74% performance benchmark. The excess return is evident. ① As the fund manager and Head of the FOF Investment Department at Everbright Prudential Fund FOF, Zhang Yun, with solid research and investment expertise and a scientific asset allocation strategy, not only led the product to achieve a performance breakthrough amid market volatility, but also provided a high-quality choice with her professional strength for residents’ retirement savings.

It is reported that Everbright Prudential Anxuan FOF was established in December 2024. It is positioned as a balanced retirement target product. Its core investment goal is to pursue long-term, steady growth in net asset value while controlling risk, precisely matching investors’ needs for investing retirement funds. Fund manager Zhang Yun has nearly 10 years of research and investment experience in stocks and FOFs, and more than 6 years of FOF portfolio management experience. She holds a Master’s degree in Financial Mathematics from Columbia University in the United States. She has worked in the private FOF sector before moving into the public FOF track, progressively refining an investment logic that is both scientific and practical. She has consistently emphasized the importance of diversified asset allocation. She believes that with the pace of rotation among major asset classes accelerating, a single asset or a single strategy cannot adequately withstand market volatility. The FOF model combining multiple assets and multiple strategies is one of the best paths to balance returns and risks.

Zhang Yun has developed a proven target volatility strategy to help control overall portfolio volatility. In the pre-investment stage, the portfolio’s volatility target is clarified so that investors can clearly understand the product’s risk-return characteristics. In the mid-investment stage, combined with multidimensional indicators such as the macroeconomic fundamentals, policy landscape, and valuation factors, the fund adopts an asset allocation approach that combines strategic and tactical elements. In terms of strategic allocation target proportions for equity-related assets, the fund’s target central weight is 50%, with an allocation range of 40%-55% of fund assets. While adhering to the long-term allocation logic, it also dynamically adapts to market changes. In the post-investment stage, the portfolio allocation is reviewed on a regular basis, and rebalancing is carried out in a timely manner to strive to keep portfolio volatility within the target range.

In addition, in the selection of underlying funds, Zhang Yun follows a “macro–mid-level–micro” three-tier screening logic. First, the direction of asset allocation is determined through macro-level judgment. Then, in combination with mid-level industry rotation trends, the fund selects corresponding strategies that fit. Finally, it selects high-quality underlying funds using a combination of quantitative and qualitative methods. She focuses on analyzing the causes behind underlying funds’ performance. By combining quantitative attribution with on-site due diligence, she identifies the sustainability of a fund manager’s research and investment capabilities. She prioritizes funds that operate compliantly, have a clear style, deliver good returns over the medium and long term, and exhibit relatively low volatility to build a solid foundation for portfolio returns. Meanwhile, the team conducts daily reviews and analyses of net value changes of funds in the watch pool, adjusting its allocation approach promptly and effectively addressing the issue of lag.

Industry practitioners say that as the pace of population aging accelerates and residents’ awareness of retirement savings continues to rise, the value of retirement target FOFs is becoming increasingly more prominent. As a retirement-savings-focused FOF product, the three-year holding period design of Everbright Prudential Anxuan FOF can help investors establish a long-term investment mindset and avoid mistakes in short-term timing, while also matching the core need for long-term investment of retirement funds. Zhang Yun said that retirement savings is a “long-term battle.” The FOF’s diversified allocation and professional management characteristics are highly aligned with the long-term planning of retirement funds. In the future, she will continue to adhere to the long-term investment philosophy to help investors achieve compound interest growth of their retirement funds.

Source of data: ① Information related to Everbright Anxuan’s performance has been reviewed and verified by the custodian as of 2026.1.30. The performance benchmark is the yield of the CCBI (Comprehensive Wealth) (Total Value) Index *50% + the yield of the CSI 300 Index *50%.

Risk warning: Funds involve risks; investment requires caution. Before making an investment, investors are kindly requested to carefully read relevant legal documents such as the《Fund Contract》, the《Prospectus》, and the《Product Information Summary》. The risk level of Everbright Anxuan Retirement FOF is R3 (medium risk), and it is suitable for investors with a risk rating of C3 (balanced type) or above. Investors are kindly requested to make an independent decision based on the product’s risk level and their own risk rating. This material does not constitute any legal document or investment advice or recommendation. The fund manager undertakes to manage and use fund assets in accordance with the principles of honesty, credibility, diligence, and responsibility, but does not guarantee that the above fund will certainly generate profits, nor does it guarantee minimum returns. The inclusion of the word “retirement” in the fund name does not represent a guarantee of returns or any form of return commitment. This fund is not capital-guaranteed and may incur losses. This fund operates in the form of the shortest holding period. Fund unit holders must hold the fund units obtained from each subscription, subscription/transfer-in application for at least three full years, and no redemption/transfer-out application may be made during the three-year holding period. Therefore, fund unit holders face the risk that they cannot redeem or transfer out the fund units during the shortest holding period. The fund’s investment scope includes Hong Kong stocks, which will involve specific risks arising from differences in the investment environment, investment targets, market regulations, and trading rules, among others. Fund assets are not necessarily invested in Hong Kong stocks. This product is issued and managed by Everbright Prudential Fund. Distribution institutions do not assume responsibility for the product’s investment, payment/settlement, or risk management.

The specific fee rates for the above product are as follows (calculated separately based on the three-year shortest holding period for each subscription/subscription unit):

(Editor: Guo Jiandong ）

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