First, how to choose individual pension funds?
In fact, the CSRC has the following provisions on individual pension funds in the Interim Provisions on the Management of Individual Pension Investment and Public Offering of Securities Investment Funds:
(1) Pension target funds with a scale of not less than 50 million yuan at the end of the last four quarters or not less than 200 million yuan at the end of the last quarter;
(2) Stock funds, hybrid funds, bond funds, funds in funds and other funds as stipulated by the China Securities Regulatory Commission, which are stable in investment style, clear in investment strategy and stable in operation compliance.
Therefore, individual pension funds have relatively high requirements for fund products, and their operating level and profitability are relatively more trustworthy. Therefore, according to your own investment needs, you can carefully choose the investment in the 129 personal pension fund announced by the CSRC in official website:
1, according to the fund company.
Fund companies that can be allowed to set up individual pension Y share funds separately are all qualified and have certain strength. Investors can choose fund companies according to their past fund investment experience or analyze the historical investment performance of fund companies, and then choose individual pension fund products. Although it does not mean that the more pension funds allowed to set up individual pension funds, the stronger the fund products of this fund company, but it can also be used as one of the reference indicators for investors to choose fund products.
According to the news of165438+1October 1 1, in 2022, a total of 23 fund companies announced the establishment of a separate individual pension Y share fund. Among them, Huaxia Fund is the fund company with the most selected products, and nine pension fund products have been approved to set up Class Y share funds. In addition, 8 products of Huitianfu Fund and southern fund Pension Fund are listed, 7 products of E Fund, 6 products of Guangfa Fund and 6 products of Huaan Fund are listed. The number of products selected by these fund companies ranks first in the industry. Interested investors can go to the fund company official website for more information.
2. According to the choice of the fund manager.
Some star fund managers have excellent historical performance or outstanding performance in certain fund products, so many investors trust them and follow the footsteps of fund managers to buy funds. If the excellent fund managers that investors have known before are also involved in the operation of personal pension fund products, investors can also choose to buy the products they operate. If investors don't have well-known fund managers, they can also compare the resumes of various fund managers, choose their favorite fund managers, and then choose personal pension products.
3. Choose according to market reaction.
If investors don't know about fund managers and fund companies, they can also choose individual pension fund products through market attitudes. Some personal pension fund products were snapped up by most of them as soon as they were launched, which was close to being sold out. Some personal pension fund products were not as popular as expected after they were launched. All this is not accidental. There are certain reasons for the choice of the market. Investors can circle several target fund products through the performance of the fund in the early stage, and then deeply understand the information behind the products, and then select the satisfactory individual pension fund products.
It should be noted that investors cannot blindly choose the "hottest" fund products because of their different investment preferences and investment needs. At first, this method only narrowed the choice of investors. We should know that once the individual pension fund is purchased, it is a long-term holding project. If the investor regrets halfway, the funds will not be available. Therefore, it is necessary for investors to carefully analyze and choose which fund products according to their own needs.
Second, how to invest in individual pension funds is more reasonable?
Personal pension fund is a long-term investment, so it pursues not only the growth of short-term income, but the stability of long-term income. Therefore, investors should focus on two factors when investing in funds:
1, liquidity.
If investors don't have enough funds, it's best not to invest or invest less in individual pension funds. Because personal pension is put in, it can't be taken out until retirement. Even if the personal pension invested by the personal pension fund has income, the income will not be available for a while, which is not suitable for investors who are not well-off and need money at any time.
If investors have sufficient funds, it is completely feasible to invest in personal pension funds for their future quality of life. Investors have abundant funds, some of which will be used for fixed investment and will not affect the quality of daily life. Personal pension funds that invest in compulsory savings need not worry about falling into the dilemma of sudden shortage of funds and lack of liquidity when they need money.
2. The long-term investment ability of the fund.
Individual pension funds have been established for a short time, so it is difficult for investors to see the long-term development potential of a fund in a short time. Therefore, it is necessary to examine the fund companies and fund managers behind them. Generally speaking, fund companies with a large number of long-term fund products and large research teams have stronger ability to resist market risks and have more advantages in the long-term operation of funds.
Of course, it is difficult to draw a definite conclusion about investment and financial management. Anything can happen in the market, so the specific selection criteria still have to be decided by investors themselves.