1. Fund types Pension target funds can be divided into target date funds and target risk funds. Target date funds are one-stop products, investors choose fund products according to their retirement years, and fund managers decide the proportion of equity assets according to the retirement years of investors. The target risk fund is selected according to the risk tolerance of investors. From the perspective of investment risk, the risk of the target date fund is less than that of the target risk fund, which is suitable for users with relatively weak risk tolerance or who do not have too much time to manage their investments. If investors have certain investment experience and have certain ability to control product risk and market, then they can also choose professional target risk funds.
2. Fund companies' pension target funds are long-term investment tools, and the investment period can even be as long as several decades. Therefore, the strength and stability of fund companies are very important. It is suggested to choose fund companies with strong investor strength and long-term stable performance, which will be more secure in terms of fund management and risk control. On the whole, the pension target fund aims at providing for the elderly. Compared with other fund types, the pension target fund pursues the stability of investment and the investment demand is relatively conservative. In this case, the expected investment income of the pension target fund will also have an impact. The above contents about how to choose pension funds, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.