Operation mode:
1. Target date strategy: adjust the investment allocation of risk tolerance in different life stages according to the retirement date of investors. Investors only need to buy long-term holdings without judgment and analysis.
2. Target risk strategy: a fund that sets the allocation ratio of equity assets and non-equity assets according to specific risk preferences. This requires investors to have certain investment experience and clear expected income targets.
Basic characteristics of pension target fund
1, Long-term: Pension target fund basically encourages investors to hold and invest for a long time.
2. Mature asset allocation: the pension target fund controls risks and pursues long-term stable development of the fund.
3. FOF operation is adopted in the early stage of development: FOF can make the pension target fund pursue the investment return and reduce the risk through asset allocation and sub-fund optimization, which is very suitable for the investment target of the pension target fund.
Security of pension target fund
These newly listed pension target funds are usually managed by excellent fund managers, on the one hand, for better issuance, on the other hand, for later publicity. At the same time, the operation requirements of this kind of fund are generally higher than those of ordinary Public Offering of Fund, so the security of the pension target fund will not be too bad from the comprehensive expected income of the pension product fund.
Please wait and see what the final feedback will be after the listing of the pension target fund. But in general, this product is suitable for investing in Xiaobai, and it is also suitable for entry-level novice investment. After all, the new product has just been listed, and if the expected income is not good, it will be difficult to carry out the promotion work in the later stage, so the development situation in the early stage must be better.