2024年以来，公募基金中的FOF（基金中基金）产品发行热度持续升温。据最新数据显示，截至当前，年内FOF新发规模已突破800亿元人民币，创下近年来同期新高。这一增长主要受益于投资者对资产配置和风险分散需求的提升，以及监管层对养老目标基金等长期投资产品的政策支持。FOF通过投资于多只基金，实现二次分散风险，尤其适合风险承受能力较低或缺乏专业投资经验的普通投资者。随着个人养老金制度的推进，以养老目标日期型和目标风险型为代表的FOF产品成为市场主力。此外，部分头部基金公司凭借投研能力和品牌优势，在FOF领域持续布局，进一步推动了产品供给与市场需求的匹配。尽管FOF整体表现稳健，但投资者仍需关注其双重收费结构及底层资产透明度等问题。未来，随着市场教育深入和产品结构优化，FOF有望在财富管理转型中扮演更重要的角色。
In 2024, the issuance of Fund-of-Funds (FOF) products within China’s public mutual fund sector has seen sustained momentum. According to recent data, the total new issuance scale of FOFs this year has surpassed RMB 80 billion, marking a record high for the same period in recent years. This growth is primarily driven by rising investor demand for diversified asset allocation and risk mitigation, as well as regulatory support for long-term investment vehicles such as target-date retirement funds.FOFs invest in a portfolio of underlying funds, offering an additional layer of diversification—making them particularly suitable for retail investors with lower risk tolerance or limited investment expertise. With the advancement of China’s personal pension system, target-date and target-risk FOFs have emerged as market leaders. Moreover, leading asset managers are actively expanding their FOF offerings, leveraging strong research capabilities and brand recognition to better align product supply with market demand.Despite their generally stable performance, investors should remain mindful of FOF-specific considerations, such as dual-layer fee structures and transparency of underlying holdings. Looking ahead, as investor education deepens and product designs improve, FOFs are poised to play an increasingly vital role in China’s evolving wealth management landscape.
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