Since your money is mainly for future pension, don't take too much risk in your investment. But on the other hand, you should take into account the risk that purchasing power will decline because of rising prices. Therefore, the main investment goal you should consider is how to overcome the price increase and obtain certain value-added income while ensuring the safety of funds.
From the perspective of capital security, bond funds are more suitable. These funds are mainly invested in fixed-income securities such as government bonds and corporate bonds, and the security of the principal is relatively guaranteed. But bond funds can't guarantee that you can outperform price increases. Moreover, when the price rises rapidly, your principal may have a book loss in the short term.
The best tool to overcome the price increase is the stock fund, but the investment risk of the stock fund is also obvious. Fortunately, you still have ten or twenty years to retire, so you can have a long investment cycle and can withstand some short-term price fluctuations. Investing in equity funds should be acceptable.
Generally speaking, in the initial stage of price increase, prices never rise, and negative growth begins to accelerate. At this time, because the interest rate level is still used to the original low inflation situation, it is often relatively low, even lower than the price increase. At present, we are at this stage. At this time, it is impossible to maintain the value by investing in bonds, and more funds should be invested in stocks. Then, when the price rises higher and higher, the interest rate level will also increase accordingly. At this time, it is more appropriate for you to transfer more funds into bonds and reduce stock investment.
When deciding what fund to buy, you can have two basic choices. One is that you buy bond funds and stock funds separately, and then adjust the ratio of these two funds according to your judgment on the market. The other is to hand over this asset allocation to the fund manager. At this time, you can choose "balanced" funds. Managers of these funds will allocate assets between bonds and stocks according to their own judgments on market prospects.
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