Pension target fund belongs to fund management, and any financial management except deposit is risky, so there is no way to ensure the safety of 100% funds. In addition, there are not a few pension target funds, but many, and the risks and security of each pension target fund will be different, so it is impossible to elaborate.
1. Take Jiashi Pension 2050 Hybrid (FOF)(007 188) as an example, which is a mixed fund with partial shares, belonging to the medium and high risk level and with relatively high risk. If the market is good, investors may get good returns. If the market is not good, investors may lose their principal. These are all relative.
1. As long as it is a pension target fund purchased through formal channels, it is reliable. Therefore, when choosing a platform, try to choose a platform with high visibility. Take the platform purchased in different places as an example: Alipay and Tian Tian Fund Network can be considered. These platforms are reliable.
Operating environment: Xiaomi11mui 12.6.5 Alipay Apple12, ios 14, Alipay version 10.2.3.
2. Generally speaking, the pension fund of the formal platform is reliable, but this reliability does not mean that you can make money. It just means that the platform will not cheat you, but the pension fund itself is risky, so you should pay attention to its risks when buying.
Second, the types of financial management
Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.
When investing in the money market, the investment products are generally central bank bills and corporate short-term financing bills. Since central bank bills and short-term corporate financing bills cannot be directly invested by individuals, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.
1, trust
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings, and also invest in trust products of beneficial rights of high-quality credit assets of commercial banks.
The final yield of products is linked to the performance of relevant markets or products such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index and Hong Kong stocks.
2.QDII type
QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of clients, refers to commercial banks that have obtained overseas financial services on behalf of clients.
QDII RMB wealth management products, referred to as QDII RMB wealth management products, are wealth management products that customers entrust their RMB funds to qualified commercial banks, convert RMB funds into US dollars, directly invest overseas, and convert US dollar income and principal into RMB after maturity.
3. Electronic spotlight
Third, investment channels.
Wealth management products can generally be purchased through commercial banks or non-bank financial institutions.
Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies.
Emerging channels include third-party financial institutions and integrated financial service institutions.