Can pension funds really provide for the elderly?

It is said that it is pension, which can only be regarded as one of the supplementary means of pension. In the future, you still need to rely on pensions, as well as the money you saved when you were young. Pension ** is just one more investment option for your wealth accumulation before retirement Secondly, pension ** This kind of product depends on the nature of you have to buy it when you are young.

It's not worth it when you're older. For example, the China Universal Pension 2030 I bought yesterday is suitable for you to buy it if your retirement year is around 2030, and as you get older, there will be more and more fixed income investments. Therefore, if you buy early, equity investment accounts for a large proportion, and the income should be higher than that in the later stage.

Anyway, there are pensions for the target date** in any year, and you can choose the one that suits your age

You and I are mortals, born in the world, and we work hard to move bricks to support ourselves. When it comes to moving bricks, he was strong when he was young, and as long as he didn't die, he could boldly do it to death. But what about when you get old?

Eat a bowl of rice and pull it three times, and the bones are crispy and rattle. So what do you live on at this time?

Yes. The most common thing to say about opposing pension ** is that if you save this money and buy financial management for many years, how much income will there be after that. In fact, if you look at the people who had money a few years ago, how many of them can save to today.

After the introduction of personal pensions, many people think that this is an investment direction that can guarantee the bottom and even make a steady profit. ......Such an idea is incorrect, personal pensions are not guaranteed, nor can they guarantee a steady profit or loss. The reason why I say this is because personal pensions belong to **, ** investment must be risky, and there is a high probability that long-term holding will not lose these three reasons.

1. Personal pension belongs to **, so it cannot guarantee stable income and no loss.

Unlike endowment insurance, personal pension is of the nature of endowment. ......In essence, it is an investment, therefore, personal pension** is not guaranteed to make a steady profit. ......The establishment of personal pensions is to supplement pension insurance, so those who expect to rely on personal pensions to make a steady profit, the purpose of their investment is incorrect.

2. **Investment is risky, so it cannot be guaranteed.

**Investments are inherently risky. Therefore, there is no guarantee for this investment. ......In fact, the personal endowment insurance itself is very different from the endowment insurance, and the two cannot be equated, but complement each other.

Therefore, it is necessary to look at personal pensions from the perspective of investment, and not as a minimum measure.

3. If you hold a personal pension for a long time, there is a high probability that you will not lose.

Although the personal pension** cannot be guaranteed, nor can it guarantee a steady profit and no loss, it is by no means an unworthy investment. ......In fact, thanks to a professional team taking care of it, the prospects for personal pensions** are very good. Although there may be some fluctuations in the short term, if you hold it for a long time, there is a high probability that you will not lose money, and there is a lot of room for profit.

In addition, personal pension as an effective supplement to pension insurance, you can make yourself more secure after retirement, so personal pension ** is completely worth investing.

Pension** is limited to domestic investment. The investment scope includes: bank deposits, ** bank bills, interbank certificates of deposit, etc.

According to Article 34 of the Measures for the Administration of Investment in Basic Pension Insurance, pension is limited to domestic investment. The investment scope includes: bank deposits, ** bank bills, interbank certificates of deposit; Treasury bonds, policy and development bank bonds.

Financial bonds, enterprise (corporate) bonds, local ** bonds, convertible bonds (including convertible bonds for separate transactions), short-term financing bonds, medium-term notes, asset-backed **, and bond repurchase with a credit rating of investment grade or above; Pension products, listed and circulated **investment**,**, equity, stock index**, treasury bonds**.

According to Article 35 of the Measures for the Management of Investment in Basic Pension Insurance: In the construction of major national projects and major projects, the pension can participate in investment in an appropriate way.

According to Article 36 of the Measures for the Administration of Investment in Basic Pension Insurance: Key state-owned enterprises are restructured and listed, and pension enterprises can make equity investment. The scope is limited to ** enterprises and their first-level subsidiaries, as well as local industry leading enterprises with core competitiveness, including state-owned or state-controlled enterprises funded by provincial finance departments and state-owned asset management departments.

According to Article 38 of the Measures for the Administration of Investment in Basic Pension Insurance:

Pension assets participating in stock index and treasury bond transactions can only be used for the purpose of hedging, and shall be implemented in accordance with the relevant provisions of hedging management of China Financial Exchange; At the end of any trading day, the contract value of the sold stock index** and treasury bond** held shall not exceed the book value of the hedging target.

There are three factors that need to be paid attention to in personal pension investment.

When tax-advantaged funds enter a personal pension account, real long-term funding arrives. Since this part of the funds can not be withdrawn until retirement, investors can better bear the risk of fluctuations in the investment process, so as to win the return of taking risks. When individuals accumulate future pension savings for themselves, there are three key elements to focus on:

First of all, we must adhere to the practice of long-term investment and regular investment. Long-term investment is about risk-taking at the expense of short-term liquidity needs in order to seek higher relative returns; The fixed investment plan can be divided into batches of "small spare money", which not only ensures that the current living standard is not affected, but also disperses the cost and avoids concentrated buying at the high point of the market. Through the long-term accumulation of gathering sand into a tower and gathering armpits into fur, we will pursue considerable pension reserves.

Whether the pension can be old-age depends on the situation, mainly depends on how the pension is based, because the pension is not principal-guaranteed, so there is a certain risk in the pension, not that as long as you buy the pension, you will make money, when the pension is not good, there is also a loss of the situation.

From the perspective of the type of pension, it is mainly divided into the type of pension and the configuration of the pension, the risk of the pension is relatively large, there is a configuration, but the income is also relatively high, such as: the pension industry, the pension industry is mixed, and so on.

The allocation type is mainly based on the retirement age to do the corresponding allocation countermeasures, mainly when the retirement age is reached, there will be a benefit, such as: pension 2035, pension 2040, pension 2050, etc., the main configuration is some of the fof**, that is, **in**, but these will also be risky, and there will be no guaranteed returns.

Therefore, when the purchased pension **** is better, it can be pensioned, but if the purchased pension **** is not good, and there is a ** situation, then it is possible to lose the principal.

The advantage of personal pension insurance products is that there is a guaranteed interest rate, and on this basis, there is a floating income, and the disadvantage is that the liquidity is weak, which is more suitable for small partners who have pension needs and are ready for ultra-long-term investment. However, there will be a certain amount of risk in any similar project, and it is impossible to achieve a guaranteed profit.

The so-called personal pension is only an attempt to diversify the pension, and it still needs to be tested by practice. For the current post-80s and post-90s, a small part of the funds can be used to try, but it is obviously unrealistic to expect such a personal pension to be guaranteed to make a steady profit without losing money. Working hard and saving money when you are young is the most effective means and the most correct direction to ensure that you can ensure your basic life when you are old in the future.

If you want to truly alleviate your pension pressure, you shouldn't just rely on this kind of pension**. And Yinyu should take advantage of the time when he was young, as much as possible to reduce some unnecessary expenses in his arrogant life, and also let himself have some savings as much as possible. Although your savings may face inflationary pressure, you can at least make a good supplement to your retirement in your old age.

We should remember not to put all our eggs in the same basket.