Pension target fund is a publicly issued fund. It aims to pursue the long-term stable appreciation of pension assets, encourage investors to hold them for a long time, adopt mature asset allocation strategies, and reasonably control the risk of portfolio fluctuation. In short, compared with the old-age pension, the old-age pension is a social security system, and the old-age pension target fund is launched in the form of Public Offering of Fund. Therefore, pension funds are similar to stock funds.

Pension target fund mainly operates in the form of FOF, and is committed to obtaining long-term benefits. The pension target fund sets a closed period or the shortest holding period for investors, and the investor holds the pension target fund for at least one year. Pension target fund makes up for the deficiency of pension. In the future, everyone's pension plan should be varied, including not only social security, but also pension insurance and pension funds.

Is the pension target fund safe?

Pension target fund belongs to fund management, and any financial management except deposit is risky, so there is no way to ensure the safety of 100% funds. In addition, there are not a few pension target funds, but many, and the risks and security of each pension target fund will be different, so it is impossible to elaborate.

Take Harvest Pension 2050 Hybrid (FOF)(007 188) as an example, which is a hybrid partial stock fund. It belongs to the medium and high risk level, and the risk is relatively high. If the market is good, investors may get good returns. If the market is not good, investors may lose their principal. These are all relative.