First of all, is an individual pension account worth opening? I think it is still worth opening as a family asset allocation. After all, we should usually configure sound financial management. Your family assets can't all be high-risk investments, can they? Personal pension investment is tax-free up to 12000 yuan per year, which is very attractive. Moreover, it is also to buy funds or wealth management products, and there are discounts to buy through personal pension accounts. Why not do it?
Secondly, what can an individual pension account buy? After opening an individual pension fund account, you can purchase savings deposits, bank wealth management products, commercial pension insurance, pension target funds, etc. The selection range is still very wide, but they are basically low-risk varieties. As long as it is within the range of products that meet the requirements, what to buy is up to you.
Then, since pension products include the above four categories, which product is more suitable for everyone after opening an account? In fact, different types of products have their own characteristics and can meet different types of needs.
For example, if you want the pension money to be absolutely safe, you can choose the bank's pension savings. It is equivalent to a deposit, but the interest rate is much higher than that of a general deposit. Unfortunately, the pension savings have not been fully rolled out. Starting from this year1October 20th 165438+, four state-owned banks, namely, industry, agriculture, China and China Construction, have carried out specific old-age savings pilot projects in five cities, namely, Hefei, Guangzhou, Chengdu, An and Qing. The pilot period is tentatively set at one year. Blessed are the friends in the above five cities. You can try it first.
In addition to old-age savings, the risk of bank's old-age wealth management products is also very low. At present, the pilot project of bank pension financing products is "ten cities and ten institutions". These ten cities are Wuhan, Chengdu, Qingdao, Shenzhen, Beijing, Shenyang, Changchun, Shanghai, Chongqing and Guangzhou.
Judging from the issued bank pension wealth management products, the benchmark of annualized rate of return performance is basically above 5%, and the upper limit has reached 8%. This rate of return is not high in all wealth management products, but it is not low if it is a wealth management product with a risk level of R2.
As mentioned earlier, people are familiar with investing in pension target funds. There are actually two kinds of pension target funds, one is pension target date fund, and the other is pension target risk fund. The former is more suitable for small white investors.
The so-called pension target date fund refers to the fund that automatically allocates assets with the retirement date as the goal. Small partners only need to choose the corresponding fund according to the retirement age. For example, if you retire in 2060, choose a pension target date fund named "2060" to invest. Simple, right?
It is worth mentioning that the pension target funds are basically FOF funds, that is, funds that specialize in investment funds, which greatly reduce the risks of such funds, so they are suitable for old-age care. Recently, various fund companies have added an exclusive Y share to the pension target fund, and there is also a 50% discount on the management fee custody fee.