1. With the aging of the population, the number of newborns is decreasing year by year, and the pressure of providing for the aged will become heavier and heavier. In order to alleviate the pressure of providing for the aged in the future, the pension fund model has been introduced, but I am not very optimistic about withdrawing from personal pension and trying to stabilize profits.

2. Any similar project will have certain risks, and it is impossible to achieve stable profit. For the post-80s and post-90s generation, if they really want to relieve their pressure of providing for the aged, they should not only rely on this pension fund, but should try to reduce some unnecessary expenses in their lives while they are young and try their best to have some savings. Although your savings may face inflationary pressure, at least you can provide for your old age.

3. This so-called personal pension fund is only a diversified attempt to provide for the aged, and it needs to be tested by practice. For the post-80s and post-90s generation, if we spend a small amount of money to try it, perhaps we should remember that it is obviously unrealistic to expect such a personal pension to ensure a stable profit by not putting all our eggs in the same basket. We should work hard when we are young. This is the most effective means and the most correct direction to ensure your basic life when you are old.