Can pension funds really support the elderly? People always want to buy some pension funds when they are young, so that they can spend money when they are old. Can pension funds really support the elderly? Can the following small series with pension funds really support the elderly? Let's take a look, hoping to bring some reference.
Can pension funds really support the elderly?
Whether pension funds can support the elderly depends on the situation, mainly on the market of pension funds. Because there is no guarantee for pension funds, it is said that pension funds also have certain risks, not that they will make money as long as they buy. When the market is bad, there are also losses.
According to the types of pension funds, they are mainly divided into stock pension funds and allocation pension funds. Stock-based pension funds are relatively risky, and there are allocation stocks in them, but the returns are also relatively high, such as: pension industry stocks, pension industry mix and so on.
The allocation of stocks is mainly to make corresponding allocation countermeasures according to retirement age, mainly because there will be a sum of income when reaching retirement age, such as pension 2035, pension 2040 and pension 2050. There are also some funds mainly allocated in FOF funds, that is, funds in funds, but these also have risks and will not guarantee returns.
Therefore, the purchased pension fund can support the elderly when the market is good. However, if the purchased pension fund market is not good and falls, it may lose money to the principal.
Is it better to buy a pension fund or an ordinary fund?
From the essence of pension fund, it belongs to ordinary Public Offering of Fund. Pension funds mainly provide for the aged, but there are many types of general funds, which can be selected according to their own conditions. So there is no better choice between the two, and there are risks.
Both pension fund and general fund belong to one kind of fund, and both have certain risks. The essence of buying a fund is to buy low and sell high to make money. Therefore, when choosing, everyone can choose from risk, profitability, liquidity and according to their own situation.
For example, if you want to invest in a fund to prepare for your future retirement, you can consider a pension fund. If you pursue high returns, you can consider stock funds, hybrid funds and index funds. If you don't want to take big risks, you can consider money funds and bond funds.
Pension funds rank in the top ten.
There are 392 E Fund, with a management scale of 654.38+043.83 billion yuan. Tian Hong Fund has 199 funds, with a scale of 1224 1 100 million yuan; Guangfa Fund has 439 funds with a management scale of 984.6 billion yuan. After the third place, it was followed by Huitianfu Fund, southern fund, Huaxia Fund, Bosera Fund, harvest fund Fund and Guo Fu Fund.