1. The pension target fund has a closed period, while other FOF funds do not. At present, the first batch of 14 pension target funds approved for issuance are closed for 1 year, 3 years and 5 years.

2. In the future, pension target funds may have tax incentives, while other FOF funds do not have similar regulations.

For example:

If your monthly salary is 10000 yuan and the tax threshold is 3500 yuan, then your taxable salary is 6500 yuan. If the tax rate is 20%, your tax payable is 1300 yuan.

In the future, if you invest in the pension fund, you will introduce preferential tax policies. At this time, you have to invest 1000 yuan in the pension fund every month, and this 1000 yuan is not taxed.

Then your taxable salary will become 5500 yuan. If the tax rate is still 20%, your tax payable is 1 100 yuan. In contrast, it is equivalent to paying less tax in 200 yuan every month.