Investing in the "Pension" fund has lost nearly 30%a year, have you really bought it right?｜ Vote for teaching 121

21st Century Business Herald Reporter Li Yue Comprehensive Report

Investment goes on the right way, security is guaranteed, welcome to "Investment 121". I am a "old -age wish", so that everyone's elderly life is more at ease.

"After the concept of pension in the second half of last year was slowly heating, I bought two funds with the word" pension 'in the product. I didn't expect it to be lost for almost one year, and one of them had always been after buying it. Decreased, currently lost 30%, refreshing my cognition, this is the pension fund. "Recently, an investor talked about" pension ".

Later, "Pension Wish" looked at the "pension fund" that the investor purchased nearly 30%of the loss, which was R5 for stock type and risk level. Yuan, stock holders have more than 85%. Since its establishment, the performance has exceeded 50%, and the highest performance is nearly 140%.

According to product information, the fund is a stock -type stock fund, and its investment portfolio is: stock and deposit voucher assets account for 80%-95%of the fund assets, of which it is invested in the issued by the fund -defined pension industry listed company issued by the fund. Stocks and deposit certificates are not less than 80%of non -cash fund assets. The pension industry refers to an emerging industry that is born with the goal of serving the elderly with the aging of the population and the transformation of the population age structure in my country.

Similarly, this fund on a fund website, there are also many investors in the product fund manager every day. "I really want to burst out." An investor left a message.

However, the investor told "the elderly wish" after he bought the risk assessment at a shareholding app. Although he refreshed the cognition, it was relatively calm, because other funds also lost a lot and lost money and lost money. Even more, "the overall market has not been good since last year, including some of the product losses of some star fund managers."

"Pension" can only be said that this is really an investor who invests in "experienced". Yes, "Pension Wish" wants to tell you that investment risks should be the same, whether it is ordinary financial products or pension financial products.

The "Opinions on Promoting the Development of Personal Pensions" released in April this year is clear that the participants can use the personal pension paid to purchase financial products in accordance with the prescribed financial institutions or their sales channels entrusted in accordance with the law, and bear the corresponding corresponding risk. You see, even personal pension products are risky. Therefore, before buying bank wealth management, savings deposits, commercial pension insurance, public funding and other pension financial products, you must first do a good job of risk assessment and do your best.

The results of the 21st Century Business Herald's recent release of the "Pension Investment Planning questionnaire" shows that between bank wealth management, savings deposit, commercial pension insurance, public fund and other pension financial products, when you choose which one do you choose, people who choose public funds occupy Commercial endowment insurance with only 15.6%, slightly higher than 13.05%. Even if the age group is concerned, there are no more than 20%of the selection of public funds, and the highest 60s are 18.9%. It seems that everyone is more cautious about pension money.

In addition, the pension fund has not been popular with pension financial management and pension savings, and it can be seen from its scale.

In 2018, the first batch of domestic pension target funds was established. After four years of development, as of August 31, the number of products of the Pension Target Fund has reached 183, and the size of the product has exceeded 100 billion yuan. In comparison, just 9 months old financial management has reached 95 billion yuan.

At the same time, "Pension Wish" wants to remind everyone that funds with the word "pension" in the product are not all stable, and will be related to personal pensions in the future.

The "Guidelines for Pension Target Securities Investment Fund (Trial)" released by the Securities Regulatory Commission in February 2018 shows that the pension target fund should include the word "pension target" in the fund name and reflect the fund's investment strategy. Funds that adopt target risk strategies should also clarify product risk levels in the fund name. Other public funds shall not use the word "pension". At the same time, after the implementation of the guidelines, the fund name already includes the word "pension" public fundraising fund. If it does not meet the requirements of this guideline, the fund manager shall fulfill the name of the fund to modify the fund within 3 months. The "pension" industry investment theme fund except.

Therefore, the above -mentioned investor purchased is not the "pension goal" fund, but the "pension" fund that was posted before, and the "pension" industry investment theme funds with the name of the fund's name without modifying the fund name.

According to the above opinions, because some pension target funds can enjoy preferential tax policies in the future and do not charge sales service fees, "Pension Wish" reminds everyone that if you want to enjoy the benefits of personal pension, you should regularly check the Securities Regulatory Supervision before investing. The official website of the conference or the fund industry platform, information platform and other platforms.

Which pension target foundation is classified as personal pensions? At present, the regulatory authorities have not released a specific list, but the solicitation draft of the relevant rules has been released, and some standards and principles have been clarified. It can be estimated.

On June 24 this year, the "Interim Provisions on Business Management of Public Pension Investment Public Public Investment Public Investment Public Investment Fund (Draft for Comment)" released by the CSRC shows that the fund products that personal pensions can invest in their own pensions should be safe, mature and stable, and standard for targeting the target. Focus on long -term value preservation and other characteristics, and comply with laws and regulations and the regulations of the China Securities Regulatory Commission, including:

(1) Pension target funds that have not less than 50 million yuan at the end of the last four quarters;

(2) The investment style is stable, the investment strategy is clear, the long -term performance is good, and the operation is stable. It is suitable for the stock funds, mixed funds, bond funds, funds in the fund, and other funds stipulated by other funds stipulated in the long -term investment of personal pensions.

At the same time, the Securities Regulatory Commission implements a list of personal pension funds to update the personal pension fund list on the official website, fund industry platform, and information platform at the end of each quarter. If the following situation appears, the CSRC will be out of the list from time to time:

(1) In accordance with the provisions of laws and regulations and fund contracts, it is no longer in line with product duration;

(2) Major changes in the product, no longer suitable for personal pension investment;

(3) Other circumstances stipulated by the CSRC.

However, it is expected that this situation is rare even if there are. The export list can be regarded as a risk event for institutions.

In addition, "Pension Wish" also remind everyone that before buying the pension target fund, we must open or designate a personal pension fund account, and to buy the pension target fund to go to a regular financial institution. These institutions will tell you these things:

(1) Comprehensively introduce the characteristics of risk returns such as the product does not guarantee the principal, the income, and the pursuit of long -term returns, and explicitly show that the category and division standard of the product risk income;

(2) Product information Summary clearly reveals the investment ratio, expense items and rate level of high -risk assets such as the closure period of the product or holding period, equity assets, etc.

(3) Strengthen the appropriate management of investors. The personal pension fund is divided into risk levels according to the characteristics of risk returns. According to the age, retirement date, income level, and risk preferences of investors Personal pension fund exceeding its risk tolerance.

If you first buy a pension target fund, the institution does not tell you these things, you need to consider it again. Are you really right?

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