Thinking that the pension fund is stable and appreciating, it has fallen sharply, and wants to hold it for a long time when it is floating at a loss, but it is liquidated in advance. This is probably the complicated mood of many pension goal holders in the past year. Benefiting from the "pension concept" and "silver economy", after the first batch of approved issuance in 2018, the pension target once performed strongly in previous years, and the number of issuances, scale growth rate, and performance were better than most public offerings**, but from the beginning of 2022, it suddenly suffered a "Waterloo". In 2023, the situation has not reversed. Judging from the 345 products (each type of share is calculated separately) that was established earlier than 2023, 35 have achieved positive returns, accounting for 1014%, in addition to 7 ** suffered liquidation, the holder's experience is self-evident.
As a pension goal specially designed for investors' pension needs, its core goal is to achieve long-term stable value-added. However, over the past year, the performance of many pension targets** has disappointed investors. Especially in 2022, the market performance of the pension target** has declined sharply, and many investors have suffered investment losses when they need funds for retirement. This not only brought huge economic pressure to investors, but also caused the market to question the pension goal.
So, why has the pension goal** performed so unsatisfactorily in the past year? First of all, we need to understand the investment strategy of the pension goal**. This type of ** usually adopts the FOF (Fund of Funds) model, that is, investing in multiple different types of ** to reduce risk by diversifying the investment. However, in the case of high market volatility, this strategy may also lead to increased volatility in the net value. In addition, the investment scope of the pension target is wider, including bonds, real estate and other fields, which also increases the risk.
In addition to the issue of investment strategy, there are other challenges facing pension goals**. On the one hand, with the deepening of China's aging population, the demand for pension is increasing, but the number and scale of pension targets in the market are still relatively small, and it is difficult to meet the huge demand for pension. On the other hand, due to the long investment period of the pension target, factors such as market fluctuations and interest rate changes may have an impact on the performance of the pension.
However, despite the underperformance of the pension target** over the past year, investors still need to recognise its important role as a retirement reserve. When investing in pension goals, investors should remain rational and choose products that are suitable for them according to their own risk tolerance and investment horizon. At the same time, investors should also pay attention to the manager's investment experience and professional background in order to better understand the risk and return characteristics.
In addition, in order to improve the performance of pension targets, managers need to pay more attention to risk management and optimize their portfolios. In the case of high market volatility, the investment strategy should be adjusted in time to reduce risks. At the same time, managers should also strengthen macroeconomic and market analysis in order to better grasp investment opportunities.
Although the pension goal has not performed well in the past year, it is still significant as a special design for the retirement needs of investors. Investors should remain rational when choosing pension goals**, pay attention to risk management and choose products that are suitable for them. At the same time, managers should also strengthen the optimization and management of investment portfolios to improve performance. In the future, with the changes in the market and the increase in investor demand, it is believed that the pension goal will also receive more attention and development opportunities.