Target risk fund:
At the beginning of its establishment, different expected risk-return levels were set in advance, and the names of funds were mostly named after growth, stability and conservatism. Growth funds has a high proportion of investment in high-risk assets; Conservative funds mainly invest in low-risk assets.
Investors can choose growth, steady or conservative fund investment according to their risk tolerance.
Target date fund:
At the beginning, the investment proportion of high-risk assets was high, but as the target date approached, the proportion of low-risk assets gradually increased; After reaching the target date, they mainly invest in fixed-income assets, and often merge into money market funds after a period of existence.
The target risk fund and the target date fund have the same characteristics: providing diversified professional investment portfolios through a single and simple investment method to meet the needs of investors at different stages of their lives and achieve their goals.
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