Nowadays, it is becoming more and more difficult for the country to provide for the elderly and there is an extreme shortage of pensions. Therefore, it is increasingly necessary to rely on oneself for elderly care. As a result, various pension funds are swarming in. However, can pension funds really provide for the elderly? This is a question worth pondering.

The problem.

Pension funds, in the name of pension, have their own characteristics and are different from other funds in many ways.

A pension fund can be said to be a fund within a fund. In other words, when we buy a pension fund, we do not directly buy stocks or bonds, but an indirect relationship. Therefore, the risks in a pension fund will be more dispersed.

, the income is relatively high, and most of the time it is promoted as a fund with high interest and low risk. In fact, pension funds have been closed for a long time, so their risks are still quite high.

In addition, pension funds have many other risks. For example, there are many other fees in pension funds. When we buy the fund, we pay a lot of management fees, and the fund company pays many fees to other companies.

, in this way, the management fees we pay will increase, and there will also be inaccurate information when making choices, etc.

Therefore, I think pension funds are still not very capable of providing for the elderly. We should try not to choose pension funds for retirement, because pension funds are generally no different from other funds and are not supported by national policies.

All in all, the current pension problem in society is still very serious, and no other better method has been found other than the guarantee provided by the government. In the future, we must rely on ourselves to provide for the elderly. The above is my opinion on whether various pension funds can provide for the elderly.

Here are some views on the problem, I hope it will be helpful to you.