Speaking of personal pension, I believe everyone should be familiar with it. Many people buy personal pensions in peacetime in order to make their old age more secure. To put it simply, individual pension is a kind of government support policy, which follows the principle of individual voluntary participation and provides supplementary pension insurance system for workers. According to the news released recently, the relevant departments have issued detailed rules for the use of personal pension investment. Next, I will give you a detailed introduction.

In the trial stage of personal pension, if personal pension investment fund is used, the investment target should be the personal pension target fund with an overall scale of not less than 50 million in recent quarters. In other words, our personal pension can buy such a fund. Many small partners know little about individual pension fund and don't know what it means. Generally speaking, pension target funds are divided into two types, one is target risk fund and the other is target date fund.

First, the target risk fund. Most of these funds are named after risks, for example, some funds have words such as steady, conservative and balanced. First, an investment style will be set in advance, and then related assets will be allocated. The main investment direction of such funds is generally funds with relatively fixed income. Second, the target date fund. Most of these funds like to be named after the date of retirement, including the year. Moreover, such funds have dynamic risk strategies. If the retirement age is approaching, the asset allocation will be reduced accordingly.

Generally speaking, when choosing a target fund, everyone must be cautious. Never blindly follow others' choices. What is not necessarily suitable for others must be suitable for you. In addition, there are many sales organizations shortlisted for individual pension funds. Among them, the largest number of finalists are some commercial banks, such as China Merchants Bank, China Construction Bank and China Bank.