As the saying goes, if young people don't work hard, the elderly will be sad, especially for the elderly. You need to plan ahead, and it may be too late to retire. Today, I will share with you two ways of pension investment to help you save your pension.

What are the skills of pension investment?

I. Fixed investment of index funds

As the saying goes, the best time to plant a tree is ten years ago, followed by now. The same is true of pension investment, which is a long-term investment process and requires patience.

If the risk appetite is high, pension investment can be considered as an undervalued fund. In the long run, the average annualized expected return of China stock market exceeds 8%, and the expected return is good after participating in the stock market through the fund's fixed investment.

Second, the pension target fund

If the risk preference is low, you can consider the pension target fund. Pension target funds are generally closed for three years, and the risk level is lower than that of stock funds. Pursuing long-term steady appreciation of assets is suitable for pension savings and investment.

Take Alipay Pension Fund as an example. If there is a target date in the fund name, such as 2035, it is suitable for everyone who retires around 2035. As the target date approaches, the Foundation will gradually reduce the proportion of equity assets and increase fixed expected income assets to reduce risk fluctuations.

In addition, pension target funds can also invest according to different risk preferences, and fund managers provide pension investment schemes with different risk levels. Pension target fund is one of the investment funds, the investment risk is further dispersed, and the volatility is lower than that of ordinary funds.

Well, pension investment is over. I hope it helps you. Warm reminder, the fund is risky and needs to be cautious in investment.