Product introduction of China-Europe foreseen pension 2035
Product type: target date pension fund
Issue date: September10-September 28th.
Features: CEIBS foresees that Pension 2035 is mainly for investors who retire around 2035. As 2035 approaches, the proportion of equity investment will decrease. Under the preset target time, the fund manager will adjust the asset allocation according to the remaining time, expected return and risk, and the investment portfolio will change with time.
How does China and Europe foresee providing for the aged in 2035?
1. Risk: This product is considered as a medium-risk wealth management product, and ordinary bond funds will also be considered as a medium-risk product. In fact, no wealth management product is risk-free, and so is the money fund. Therefore, from the perspective of risk alone, although China and Europe foresee that pension 2035 is a medium risk, it is still within the acceptable range.
2. Expected rate of return: Since this is the first time that a pension fund has been discovered in China, there is no historical performance as a reference. However, as a leading product, CEIBS Prospective Pension 2035 will definitely choose experienced fund managers to manage and operate. At the same time, if the first pension fund eventually loses money, no one will invest in it in the future. Therefore, it is considered that the expected income of China-Europe forward-looking pension 2035 should be more objective.
3. Safety: China Europe Prospective Pension 2035 is issued by China Europe Fund Management Co., Ltd. and managed by China Merchants Bank. China Europe Fund Management Co., Ltd. is an established fund management company. One of its well-known money fund products, China Europe Qian Bao Currency A, has successfully introduced Yu 'ebao. China Merchants Bank's custody also allows China and Europe to foresee that the principal of pension 2035 is full of protection.
As the initial pension fund, China Europe International Business School predicts that Pension 2035 will undoubtedly attract most investors. But how to invest depends on how the fund manager manages and operates the fund.