I classify them into two categories:
The first category is at the national level, characterized by stability, but the amount is low, and it is no problem to ensure the basic survival of the elderly. But here, many provinces are about to pay this pension, so I ask you to panic. ...
The second category is personal, mainly by personal choice;
At present, the cost of living is very high, most young people have mortgages, and there is really not much money saved every month. In addition, the savings rate is very low, and they simply can't run away from prices and inflation. ;
Housing for the elderly, but the house is a fixed asset, it is difficult to realize when it is used, and it is hard to say what the real estate market will be like after decades. It is possible to sell more houses than to take over.
As for this new pension target fund, I have studied it. This fund is constantly adjusted by professional fund managers according to your age growth to match your current risks. The older you get, the lower the risk. Take China-Europe Outlook 2035 as an example. The target of this fund is people around the age of 40, with 20 years to retire. At this time, fund managers will allocate more equity products when they open positions. With the growth of age, for example, when he is 60 years old, the fund will become bigger.
In addition, due to major pension events, the CSRC also strictly stipulates that mature investment strategies must be used in the examination and approval. The first batch only approved 14 fund companies with the oldest qualifications and the most abundant investment experience, which shows the importance and prudence at the national level. If you have a general understanding of the 40 1K plan in the United States, you will know that this pension target fund is very reliable, there may be tax incentives in the future, and it is likely to become a country.
The above is a personal summary. How to choose is up to you. Having said that, reward me with more wealth. Thank you.