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发表于 2018-9-7 20:32:24 | 显示全部楼层 |阅读模式
Alipay's "old age" special area is on line today. In the face of different pension projects, will you have a choice phobia? Don't panic. The experts are coming.

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In September 7th, Alipay launched the "pension" special area to provide users with one-stop pension investment services such as subscription, enquiry and investment. At the same time, China and Europe, Teda Manulife's two pension target fund products will also be landed in the special area, officially launched on September 10.



However, in the face of more and more "pension" projects online, the insured often can not intuitively and effectively understand. How to choose "pension"? How much tax concessions can the product bring? How much should be insured and insured? Let's see what the experts say...



At present, there are two types of pension target funds which are allowed to issue on the market, namely "target date type" by retirement date and "target risk type" by risk preference.



Experts suggest that investors should first assess their retirement dates. Just calculate your retirement time, choose a product name with the corresponding date. The initial target date fund is a stock position, equity-based funds are relatively high, partial-equity FOF funds. With the approaching of retirement date, the transition to a balanced fund and then to a relatively stable partial-debt fund is in line with the life cycle of the whole person.



Second, evaluate your investment preferences and choose products that match your investment preferences. For example, if investors are not familiar with the market timing, their own risk tolerance changes, no time and energy to manage investment and maintenance, it is recommended to choose the target date fund to provide a one-stop solution; if they are clear about their risk preferences, but also professional, they can choose the target risk fund, choose and Products that match their own risk characteristics.



Third, assess the strength of pension funds. In addition to public offerings such as pension target funds, a fund company's pension business includes social security, basic pension, enterprise annuity, occupational annuity and so on. Who are the clients and investors of these businesses? As is known to all, the requirements of social security, large-scale enterprises, government organs and institutions are very strict. Companies that can meet their requirements must have very stable and outstanding long-term performance.



Fourth, 3 years of closure is better than 1 years and 5 years of closure. It is understood that the first batch of 14 pension target funds approved by the target date, the target risk of two types, closed period from one year, three years, five years have, each has its own characteristics. The 3 year closure period has the largest number of products. From previous statistics, historical data show that three-year yields are significantly higher than one-year and five-year yields.



With the increase of the life expectancy of the population in China, the number of years old people receive pension increases, and pension treatment is rigid growth, so pension expenditure is facing enormous pressure. "Internet + endowment" insurance products can be said to complement and improve the pension system.



It is understood that the upcoming sale of "China and Europe foresee retirement target date 2035 3 years hold" is a typical target date type, mainly for the retired investors around 2035, the proportion of equity investment will gradually decrease with the approaching of 2035. The "Teda Manulife and Balanced Old-age Target" belongs to the target risk type, and the "Balance" represents the product is fixed in the medium risk level for a long time.



Then, according to their own needs to choose a good pension project, how can users buy these pension funds through Alipay purchase?



According to the introduction of ants wealth related product manager, after the products and services are formally launched, users can enter the pension area according to the operation path of "opening Alipay Home Page > Clicking wealth channel to click old age", so that they can choose their own pension fund products in the special area.



How to arrange "pension" on the line of Alipay?

It is understood that in addition to China and Europe, Teda Manulife, Ant Wealth is also doing related product testing and docking with other fund companies, follow-up, the first batch of the remaining 12 different types of pension funds will also be landed in the Pension Zone, to provide investors with more rich and diverse options.

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