There are two main strategies for pension funds to achieve pension "goals": target date strategy and target risk strategy. Target date The Fund aims at the retirement date of investors and adjusts the investment allocation according to the risk tolerance of different life stages.

The target risk strategy is to keep the risk of portfolio unchanged at different times. Investors can choose the target risk fund suitable for their own risk level within their own risk tolerance range. This kind of product is suitable for investors who are clear about their risk preferences and have the ability to choose products that match their risk characteristics.

The pension target fund will be closed, and the first batch of products will be closed for 1 year, 3 years and 5 years. Investors should also carefully choose their own funds in the process of selection. For the investment products with the goal of providing for the aged, everyone is most concerned about the risk. Can the pension target fund be "foolproof"? According to industry experts, according to the system design, the performance of such funds in Public Offering of Fund will be more stable, but it does not mean that the investment is "zero risk".