The pension funds we talk about investing in the fund market generally refer to pension target funds. Pension target funds are innovative public funds that aim to pursue the long-term and stable appreciation of pension assets.

Many people have raised this question, will the pension fund lose money?

Pension target funds are generally held for a long time. Compared with ordinary funds, they are more stable and generally have a certain closing period, which can better meet the public's security needs.

So does this mean that pension funds will not lose money?

Let's see.

Pension target funds have a wider investment direction and will invest in higher-risk investment targets such as stock funds and hybrid funds. They are regular hybrid funds.

From this point of view, there is indeed the possibility of losses.

The risks of pension target funds will also come from the operational risks of fund managers. However, pension insurance in the fund market is basically the first batch of public funds, which are highly valued. Therefore, both the investment capabilities of fund managers and the allocation level of funds are very important.

High, achieving stable value-added in the long term.

In addition, there are requirements and restrictions on the issuers of pension target funds, which disperses certain risks.

Pension target funds are divided into target date funds and target risk funds. Target date funds can adjust investment risks according to changes in buyers' risk preferences; target risk funds ensure constant risk and adjust the portfolio ratio.

Target date funds are less risky than target risk funds.