For investors, in the trial stage of the first year of the individual pension system, investors can invest the funds in the individual pension account in the pension target fund with a certain scale advantage. After expanding the range of investment products in the future, investors can also choose other types of Public Offering of Fund to invest, so as to obtain better investment returns.

Pension target fund operates in the form of "fund within fund (FOF)", aiming at realizing long-term steady appreciation of pension assets. Among them, the fund FOF in the fund has invested in several selected funds, and at least 80% of its funds should be invested in other funds. Moreover, it will not directly invest in stocks, bonds and other assets, so that investors' investment risks are more dispersed and the risk-return balance is higher.

In short, individual pension is voluntarily participated by individuals, operated by market, and implemented by individual account system. In other words, ordinary people can set up their own "pension accounts", which are saved by ordinary people themselves, and choose the pension products suitable for them to invest through personal pension accounts. After a certain period of time, it can be taken out for the elderly, which is equivalent to earmarking.