1, fixed investment with the fund.
Fixed investment of funds is an important way to share costs and spread risks. Generally speaking, our investment funds, especially pension funds, must pay attention to their risks. One-time investment is too risky. Generally speaking, it is not a good choice.
Fixed investment is smaller than one-time investment, and cost sharing will make it have no big losses in the big bear market. Investors will not be too sensitive to their own losses and can insist on investing. Patience is very important for the pension reserve.
2. Flexible allocation of funds
Some people think that pension funds should focus on the safety of funds and choose some bond funds with lower risks, but it is not. If the investor has great professional ability, he can choose a fund with high flexibility in stock position design (the standard is 30%~90% of stock position). On the one hand, the value-added income of this fund can help investors realize the value-added of pension funds, on the other hand, it can also help investors avoid risks.
3. Invest in professional pension funds
Many professional pension insurance companies or fund companies have developed their own pension financing products to help investors make pension investments. The advantage of these pension investment funds is that investors do not need to choose to buy or allocate various funds to avoid risks. Professional managers will do this very well. Investors only need to follow the fund rules to buy funds, and they can get higher expected returns later. This investment method is suitable for investors with deviation in financial specialty.
4. Redemption of pension.
So how do investors deal with this situation after retirement? Different from the initial investment, it is not recommended to continue to hold stock funds after retirement, and you can switch to bond funds or money fund markets to ensure the liquidity and principal stability of funds. Get the corresponding living expenses regularly every month.
These are all views on how to use the fund to provide for the aged. They are for reference only and I hope they will help you. Warm reminder, financial management is risky and investment needs to be cautious.