First, most people who care about this matter are anxious about the future.
I guess most people who care about pensions are anxious about their future pensions.
Pension has three pillars, the first is social security, the second is enterprise annuity and the third is personal pension.
Social security means that young people in the future will have to stand on their own feet in the future. Because the population structure in the future will be extremely distorted, it is probably unrealistic to live a good old age only through social security.
As for the enterprise annuity, most people can't enjoy it, and its influence is limited. Moreover, the enterprise annuity will not greatly alleviate our pension problem. After all, the scale is too small and the investment income is very average.
Therefore, I call on everyone to make plans for their future as soon as possible and encourage the purchase of individual pension funds.
The so-called personal pension means raising yourself in the future.
Understand the logic of the three pillars, it is easy to judge whether to buy a personal pension fund!
Essentially, this is a FOF fund, which is equivalent to you choosing a Public Offering of Fund and saving1.2000 yuan in it every year, and then withdrawing your pension from this fund when you are old.
Then this question is transformed into: how to choose a fund that suits you?
Second, three key points that cannot be avoided in fund selection
We mainly consider three points when choosing a fund:
1. Risk;
2. Rate of return;
3. Liquidity.
The investment targets of individual pension funds are stocks and creditor's rights, which are closed for a long time and cannot be taken out until retirement. So the risk is not great.
Then we mainly consider the rate of return and liquidity.