1. Investing in pension funds has more professional investment experience.
The main purpose of pension products is generally to accumulate funds and improve income. Although stock assets are risky, in the long run, their yield is much higher than that of funds such as bonds.
Because the investment time of pension funds is relatively long, the best way to improve investment income is to invest in stocks, which can increase higher value. As a fund, investment pension fund has rich experience and strong investment ability, which can strive for higher long-term returns for investors.
2. Pension funds have higher investment flexibility.
Compared with other commercial endowment insurance or social insurance, investment is more flexible. Although the pension target fund has a certain holding period, investors can freely purchase and redeem it outside the holding period to meet the demand for temporary funds or substitute products, while other social insurance or social pensions are generally not allowed to be accessed at any time, so the flexibility is low.
3. The investment operation of pension funds is as open and transparent as ever.
Investing in national basic pension, enterprise annuity, occupational annuity and commercial endowment insurance generally does not have a clear understanding of the products and their operation. At present, the fund operates in a standardized way in the market, and its work is transparent. There are temporary or regular reports, and information disclosure will be updated in time. Investors can better understand the operation of their own funds by investing in pension target funds.
For investors who are keen on speculation, it is not recommended to buy pension funds. Because the pension target fund is not a suitable speculative variety. On the one hand, there is a lock-up period of not less than one year, which is unacceptable to speculators; On the other hand, FOF funds, that is, investment funds, are not suitable for speculation.