In fact, the pension fund is an innovative Public Offering of Fund, which aims at pursuing the steady appreciation of pension assets, encourages investors to hold it for a long time, adopts mature asset allocation, and minimizes risks when investing. Pension target funds are divided into target date funds and target risk funds. If you want to invest, you must distinguish clearly.
Among them, the target date fund is based on the retirement time of investors, and adjusts the investment allocation at any time according to the different age stages and risk tolerance of investors, so that your users can get as much income as possible; The risk of the target venture capital fund is basically unchanged when investing, that is, the asset allocation of the fund will not be adjusted, which requires investors to choose the fund that the fund can bear.
In the initial stage, the health goal fund mainly exists in the form of FOF. For example, the date of Huaxia Pension Fund is 2040. Huaxia has held funds for at least three years, mainly for investors born in 1975- 1985. Operating pension funds in the form of FOF can better make large-scale investments.
Here is a brief introduction to what is FOF. In fact, FOF refers to the fund in the fund, that is, indirectly holding stocks and bonds with the fund as the investment target. So what are the advantages of this form? The biggest advantage is to choose the best among the best, select the best funds, and spread the risks with little portfolio fluctuation. The last benefit is balanced allocation, which makes the allocation of pension target funds more reasonable.
Pension target fund is suitable for long-term investment. In order to realize the goal of providing for the aged, we must insist on long-term investment. After the investment, the money will be operated by professional fund managers, which can effectively ensure the safety of our assets and finally get good returns.
To invest in pension funds, you should know that you can't redeem them during the closed period. For example, Huaxia Fund should be held for at least three years this time, which can facilitate managers to make long-term investment layout and is more conducive to the protection of fund income.
The introduction of pension target fund is a good way to solve the problem of providing for the aged. Although there are many ways to provide for the aged, with the aggravation of China's aging society, providing for the aged has become a problem that cannot be ignored. The launch of pension target fund gives people one more choice. It is worth noting that more pension target funds will be launched in the later period.