On August 5th, CSRC issued 14 pension target funds from 14 fund companies. How should investors treat this new investment tool correctly?
"Pension target fund" is regarded as an investment tool of personal pension reserve, and it is a way to change the concept of savings pension into investment pension. Investors' expectation and caution about "pension money" corresponds to the income and safety of investment products. When the market fluctuates in the short term, investors will feel worried and think that the investment is unsafe, which leads to the dilemma of "dare not vote".
In this regard, people in the industry suggest that we must clearly understand the relationship between safety and income in order to plan ahead and be productive. So, can security and income be "win-win"?
Zhong Rongsa, vice president of China Asset Management Association, said in an interview with Xinhuanet that "pension target funds should not only pay attention to the impact of equity investment on short-term performance fluctuations, but also give full play to the role of equity investment in maintaining and increasing the value of pensions."
"Take asset allocation as the core, anchor the allocation scope and proportion of large-scale assets, reduce the probability of asset loss through diversified investment, obtain long-term stable income, and realize asset appreciation under time compound interest. In addition, we must attach importance to the role of equity investment in asset appreciation, and at the same time impose certain restrictions on equity investment to ensure the long-term stable appreciation of pensions while controlling risk exposure. " Zhong Rongsa said.
Xu Xin, deputy general manager of China Europe Fund, believes that "security and income correspond to investors' short-term and long-term requirements for pension funds respectively. On the premise of long-term investment, find the right fund manager and make friends with time to achieve a win-win situation. "
Source: paper net.