Pension exclusive funds can be divided into pension target risks and target dates.

Pension target funds mainly fall into two categories: target date funds and target risk funds.

Target-date funds, also known as life-cycle funds, are funds that have an asset allocation based on an investor's expected retirement year.

The design principle of this kind of fund is that as investors age, their risk tolerance will gradually decrease, so the fund automatically adjusts its investment portfolio over time, gradually reducing the proportion of high-risk assets and increasing the proportion of low-risk assets.

proportion.

For example, an investor who expects to retire in 2040 could choose a fund with a target date of 2040 that automatically adjusts its portfolio over time to accommodate the investor's changing risk tolerance as he ages.

ability.

Target risk funds are funds that set asset allocations based on investors' risk tolerance.

Such funds are usually divided into low-risk, medium-risk and high-risk levels, and investors can choose the fund that suits them based on their risk tolerance.

Target-risk funds keep their risk levels relatively constant and do not automatically adjust their portfolios over time like target-date funds do.

The application process for pension insurance is as follows: 1. Bring the above materials to the village committee where your household registration is located to apply for the new rural insurance; 2. Fill out the "New Rural Social Pension Insurance Registration Form" and select the insurance payment level; 3. Participate in the insurance

The premiums paid by the insured must be deposited into the "New Rural Insurance Co-branded Card" regularly every year, and the credit union will withhold the payment; 4. After receiving the notice of collection, the insured must bring the above materials to the village committee where the household registration is located to apply; 5.

Go to the designated bank to open a passbook, and you can enjoy the insurance benefits after meeting the conditions for benefit disbursement.

To sum up, the payment amount regulations vary from place to place. It is recommended that individuals consult the local social security department before making payments.

After successful payment, you can bind the payment account to your bank card, and it will be automatically deducted every month.

Under normal circumstances, when paying pension insurance, the Social Security Bureau's settlement time is to pay the pension insurance fee for the year before December 25th, but medical insurance must be paid in advance.

Legal basis: Article 60 of the "Social Insurance Law of the People's Republic of China" Employers shall declare themselves and pay social insurance premiums in full and on time. Payment shall not be postponed or reduced except for legal reasons such as force majeure.

The social insurance premiums that employees should pay shall be withheld and paid by the employer, and the employer shall notify the employee of the details of the social insurance premiums paid on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employer, and other flexible employment personnel can pay social insurance premiums directly to the social insurance premium collection agency.