全文3873字,阅读约需12分钟,帮我划重点划重点01随着中国老龄化压力逐渐显现,养老投资成为关注焦点,美国养老账户投资经验值得借鉴。02美国养老保障主要由第二和第三支柱支撑,个人养老账户资金可购买多种金融产品。03中国养老第三支柱发展迅速,公募养老FOF基金具有配置权益类资产、大类资产配置和定制化投资等优势。04然而,养老FOF基金面临下滑轨道风险、目标退休日期不匹配风险等特有风险。05公募基金...
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