Pension has always been a topic of great concern to the people. In addition to pension and pension savings, pension funds have gradually become one of the ways for many investors to reserve pension assets. So what is the pension target fund, and what is the difference between the pension target fund and the general fund?

First, what is a pension fund?

Pension target fund is a public offering FOF, and its main purpose is to meet the long-term stable value-added needs of residents' pension funds.

According to the different risk tolerance of investors, pension target funds can be divided into three categories: stable, balanced and enterprising, and the allocation ratio of equity assets and non-equity assets is different among different fund categories.

Second, the difference between pension funds and ordinary funds.

1, investment period

Pension target funds encourage investors to hold them for a long time, the investment period is longer than that of ordinary funds, and the shortest holding period is generally not less than 1 year.

2. Product name

The name of general fund products cannot use the word "pension" at will, and the name of pension target fund requires the word "pension target".

3. Investment objectives

The investment targets of pension funds include funds, stocks, bonds and other financial instruments, and the asset allocation is relatively stable. The investment targets of general funds are mostly stocks and bonds.

4. Purchase rate

The fund rate set by the pension target fund is more favorable than that of the general fund, and the rate is generally lower than 60% of the general fund.