"Pension target fund" is a kind of fund specially used for providing for the aged, which is set up to pursue the long-term steady appreciation of pension assets. At present, pension target funds mainly adopt two investment strategies, namely target date strategy and target risk strategy fund.

1. Scheduled date

Target date strategic fund, as its name implies, is a fund that aims at the retirement date of investors and allocates investment according to the risk tolerance of different life stages. Therefore, it is very simple to invest funds with the target date strategy. You just need to know when you will retire, so buy a fund corresponding to the date.

2. Target risk

If you have certain investment experience, and have a clear demand for your pension investment and a clear risk preference, then the target venture fund is more suitable. Because the target risk strategy fund is a combination that obtains the maximum expected investment return through asset allocation under the premise of controlling the target risk (for example, the fund volatility does not exceed 10%, etc.). ).