The fund is different, adopting the method of fixed investment, but it will still bear certain risks! In the past year, the fund's rate of return is far from your monthly expectations! However, if you calculate according to the 23 years you said, I think I still choose the fund to vote! According to the cyclical principle of economic phenomena, the cycle of bear market is 3-5 years, and the cycle of bull market is 3-5 years (average). The income of fixed investment of funds is calculated according to compound interest, which is an advantage that pension insurance does not have!
Of course, long-term fund investment is suitable for people who can take a little risk and have certain operational actions (not standing all the time like buying insurance)! If you think you are not, then choose to buy old-age insurance! Hmm. How interesting
Note that there are some special types of funds: HSBC Jintrust 2026 Lifecycle Fund!
HSBC Jintrust 2026 Life Cycle Fund is more suitable for people with medical care, old-age care and children's education for 15-20 years. After 10 years, investors can automatically complete the process from the current active equity fund to a balanced fund, and then to a more stable fund five years later. Therefore, for those who have long-term financial planning, the 2026 Fund can help investors plan the asset allocation ratio from a longer-term perspective and control the maturity risk.
It is noteworthy that the first life cycle fund launched by HSBC Jintrust Fund Company in China, 2016 Fund, has performed well in volatility and profitability since its establishment on May 23, 2006, and was once rated as one of the top 50 most anti-falling partial stock funds this year by Shanghai Morning Post. Ms. Mai Jiayi, the chief investment officer of HSBC Jintrust, who has more than 65,438+00 years of investment management experience in the Asian market, said that the life cycle fund is the most popular fund in the US pension market at present, and the 2026 fund will inherit the stable style of the 2065,438+06 fund and improve its initial profitability.
Personally, I am quite optimistic about this fund! If it is held until 2026, there is absolutely no problem with capital preservation, and the income will definitely be quite objective!