Pension fund refers to the pension-based fund. If you buy a pension fund, you will find that individual pension funds have the suffix of FOF, which is actually a fund in the fund, because FOF funds use the money raised to invest in other funds, which is equivalent to a combined fund.

It should be noted that according to the China Securities Regulatory Commission's Guidelines for Pension Target Securities Investment Funds (Trial), there is a certain closed period, the shortest holding period is not less than 1 year, 3 years or 5 years, and the fund name must include "pension". Funds that adopt the target risk strategy should also indicate the product risk level in the fund name.

At present, pension funds are mainly divided into two types: target date funds and target risk funds. Among them, the target date fund can choose fund products according to the retirement years, while the target risk fund mainly chooses according to the risk tolerance of investors.

How to buy a pension fund?

Method 1: fund company website

Find the pension fund on the fund company's website, and then click Buy.

Method 2: Alipay purchase

Search for funds on Alipay's homepage, click to enter the fund page, search for pension funds on the fund page, then select one of them and click Buy.

Method 3: Bank purchase

Download the bank APP, then search for pension funds in the bank APP fund column, then select one of them and click Buy.

It should be noted that there are many pension fund products, but all of them will be operated and managed by fund companies, so it is also important to choose a good fund company. When choosing a fund company, we should choose a fund company with stronger strength, better stability and long-term stable performance. This kind of company's ability in fund management and risk control will be more secure.

Secondly, funds are managed by fund managers, so it is also important to choose a good fund manager. You can analyze the fund manager's past performance, years of employment and rate of return, and then choose a good pension fund.

What do you mean by "pension fund"? How to buy a pension fund? " If you want to know more about financial management, you can click on the following courses to learn.

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