A person's life goes through many periods, and everyone will be old. Therefore, the pension target fund mainly refers to the investment of investors to buy pension assets, with the aim of pursuing long-term steady appreciation. Generally speaking, there will be a time limit. What is the investment strategy of pension target fund? Is the pension target fund risky? I have prepared relevant contents for your reference.

What is the investment strategy of pension funds?

The investment strategies of pension funds include target date strategy, target risk strategy and other strategies approved by China Securities Regulatory Commission.

Date strategy: set the target date approaching, gradually reduce the allocation ratio of equity assets and increase the allocation ratio of non-equity assets. General equity assets include stocks, equity funds and hybrid funds.

Target risk strategy: set the benchmark allocation ratio of equity assets and non-equity assets according to specific risk preference, or define portfolio risk (such as volatility) by widely recognized methods, and take effective measures to control fund portfolio risk.

It is worth noting that you can check the details of the pension target fund when you buy it, and basically there will be a detailed introduction.

Is the pension target fund risky?

Pension target funds are certainly risky, but there are many pension target funds. Take Jiashi Pension 2050 (FOF)(007 188) as an example, which belongs to the mixed stock fund, belongs to the medium and high risk level, and the risk is relatively high.

Investors can check the investment scope and risk level of pension target funds when purchasing, which are generally marked, because there are more than one pension target fund, but there are also many, which will be different from each other. So, if you don't want to buy something risky, check it before you buy it. If the risk is high, you can look at other pension target funds.