Go to the fund company's website and search for "Pension Zone" to see the list of recommended pension funds. You can choose a suitable pension fund according to the initial investment price and investment period of each fund, and click the operation of immediate subscription or immediate subscription.
Alipay launched a pension zone, targeting retirees around 2035. You can open Alipay to enter the "wealth" at the bottom of the navigation, enter the home page to see the pension area, click on the pension, and purchase the pension fund on the Alipay platform;
Go to the bank counter to learn about the pension fund service launched by bank wealth management. The contents of pension funds launched by banks or financial institutions are different.
The advantages of pension funds are simple investment methods and low threshold, and investors can flexibly choose investment schemes according to their own conditions. As a long-term investment, the closed period is 1 year, 3 years and 5 years, and it cannot be redeemed during the closed period.
Pension fund is a fund set up by enterprises to pay the fixed living expenses of retired workers. Pension funds are generally managed by specialized personnel or institutions, and do not belong to the assets of enterprises that set up funds. Large-scale pension institutions participate in a large number of trading activities in stock exchanges or capital markets. Insurance companies that handle private pension plans also buy and sell stocks.
Many old-age care institutions have the right to make large investments, and sometimes operate long-term mortgage loans. Some pension institutions even invest in unlisted companies. For example, the British Railway Retirement Fund has collected a large number of art treasures since World War II, including Egyptian antiquities, porcelains from the Ming Dynasty and other dynasties, and paintings by Picasso and other painters.
Composition of pension fund
Basic old-age insurance premiums paid by employers, employees and urban individual workers;
Value-added benefits such as interest of the basic old-age insurance fund;
Late payment fee for basic old-age insurance;
Social donation;
Financial subsidies;
Other funds that should be included in the basic old-age insurance fund according to law.
Haifutong Pension Income Mixed Fund, the first pension fund that pursues absolute income, was officially issued through Bank of China (2.87, -0.03,-1.03%) and Haifutong Fund on April 25th, 20 13.
Different from the existing pension funds in the market, the fund insists on flexible asset allocation, strictly controls downside risks, actively grasps the investment opportunities in the stock market, ensures the preservation and appreciation of assets, and pursues absolute returns in an all-round way.
According to the data, Haifutong's pension income mixed fund accounts for 0% to 95% of the fund's assets, and the allocation of fixed income assets such as bonds can be increased from 5% to 65,438+000%, breaking through the restrictions of ordinary mixed funds, with a highly flexible proportion and a wide range of investments, including emerging varieties such as private debt of small and medium-sized enterprises and stock index futures.
Through all-round and multi-angle investment strategies, the fund pursues absolute returns and meets the security, sustainability and anti-inflation needs of pension financing.
The general direction of pension funds entering the stock market is definitely right, and it should be like this. Because not only other countries have this tradition, but also if the stock market can be more closely linked with the ups and downs of economic development, and if the retirement funds of retirees also run in sync with the ups and downs of the economy, this can ensure that the purchasing power will not decline relative to economic growth in the future.