The so-called pension target fund can be simply understood as an investment product specially used for pension, so that assets can be steadily increased in value for a long time while pursuing pension, and the money prepared for pension should not be devalued too quickly. This kind of investment encourages investors to hold it for a long time and get more money after retirement.
14 pension target fund will appear in Alipay's wealth zone in the future. This 14 fund comes from different institutions. You can buy it according to the actual situation after going online. Now you are making preparations, including the issue schedule, risk warning, investor education and other issues.
The emergence of pension target funds gives people another choice, but when buying such funds, we must first understand their characteristics, risks or benefits, and what kind of products to buy in order to choose the most suitable one.
Because the pension target fund needs to be held for a long time when investing, this is one of the characteristics mentioned above, and the other is stability. Its ultimate goal is to achieve profitability, so when investing, we must choose low-risk funds. When investing in pension funds, managers will set preferential rates to benefit the people, so that more people are willing to invest in such funds.
What I want to remind you here is that any product will have investment risks, and so will pension funds. The allocation of product equity assets will affect the whole risk. Pay attention to whether it promises to guarantee the income, whether the product is guaranteed and how likely it is to lose money. Be sure to pay attention when buying.
In the first batch of approved 14 pension funds, there are two kinds of target date and target risk, and the closure period is 1, 3 and 5 years. The target date is generally the date when investors retire, and the investment allocation can be adjusted according to different stages of life to maximize the income.
The emergence of pension target funds will broaden the investment channels of ordinary people, especially their own pension funds. How to manage these funds has become a pain point for many people. After all, the income in the bank is too low. The upcoming 14 target fund provides an investment direction for everyone.
Generally speaking, investing in pension target funds is still very good. After we know more about one of them, we can choose to invest, and we can get good returns in the future, so that we don't have to worry about providing for the aged in the future, and we won't increase the burden on our children.