Suffer fund of expectant target of provide for the aged to appear formally eventually fully! 3 2040 years hold period mixes date of target of provide for the aged of an ancient name for China model the fund in fund (FOF) (" of fund of target of provide for the aged of abbreviation " an ancient name for China) begin to issue now, this is the fund of target of provide for the aged of a type of local school in ancient times of travel of the first the hair that start. So, what is fund of target of provide for the aged? What person investment to suit? How to invest? Is there a risk? Xiaoliang helps you be combed one by one.
One, what is fund of target of provide for the aged?
Fund of target of provide for the aged is to show with going after provide for the aged the long-term and dovish appreciation of asset is a purpose, urge investor extended hold, the capital fund that uses maturity configures strategy, reasonable control invests the open collect negotiable securities that sets fluctuant venture to invest fund. Overall look, fund of target of provide for the aged is defined to be the long-term investment tool that risk of be issued to lower levels can charge commonly.
2, what person investment does fund of target of provide for the aged suit?
General component is fund of present provide for the aged 3 kinds --
? The first kind is fund of communal provide for the aged, for instance social security fund, mix by national individual enterprise tripartite is contributive, hold the annuities of the bottom in the palm by finance capital;
? The 2nd kind is enterprise annuity and professional annuity, this basically is enterprise and an endowment insurance that the individual does according to managing a case;
? The 3rd kind is the capital of provide for the aged of individual account.
Before two kinds had had 1.4 trillion capital to enter the market at present in market of our country capital, the 3rd kind is fund of target of provide for the aged just begins at present.
Fund of an ancient name for China is obtained this those who approve is one closes period the target date fund for 3 years, this kind of fund retires with investor date is a target, bear according to risk of different life phase ability adjusts investment configuration, suit to provide for the aged invests demand quite but the small white group that knows invest knowledge not quite again.
3, how to invest?
Current, fund of target of domestic provide for the aged basically uses strategy of two kinds of investment -- target date strategy and target venture strategy.
The drawing near of target date foundation as date of place set target, reduce rights and interests stage by stage kind the configuration scale of asset, increase blame rights and interests kind the configuration scale of asset. Common ground says, if an investor decides him 60 years old to retire, the distance is at present emeritus have 20 years, so fund of date of target of provide for the aged can increase the rights and interests such as configuration stock kind asset, reduce configuration solid to receive kind of capital fund; Conversely, be like investor already 59 years old, be about to 60 years old retire, the particular fixed number of year that fund of target of provide for the aged can retire according to the distance, trends adjusts the scale that the asset such as stock, bond, gold configures, help retiree achieves capital and dovish earnings in emeritus hour;
Target venture fund is main the purpose is the investment plan that carries sacrificial vessel to have cause of risk of disparate arrangement of ideas to the masses. If " guards " , " to balance radical " of " or " to wait, have profit the biggest change, it is a foundation with the risk standard of the set in the product, through static asset configuration manages the venture in beforehand the level of set.
4, is there a risk?
To the investment product of target of provide for the aged, the problem of risk of nothing is more... than that everybody cares most. Can fund of target of provide for the aged accomplish " of " no risk at all? The expert inside course of study expresses, according to system design, this kind of fund is met in the expression in fair collect fund more dovish, but do not mean investment " 0 risks " .
