什么是养老FOF基金，我们该如何选择呢？｜投资小知识

Group 1 - The article discusses two main types of Target Date Funds (FOF): Target Date FOF and Target Risk FOF [2][3] - Target Date FOF typically follows a "100-age" allocation strategy, adjusting the stock and bond ratio as the investor ages. For example, at age 40, the allocation is 60% stocks and 40% bonds, while at age 50, it shifts to 50% stocks and 50% bonds. However, by age 70, the stock allocation should not fall below 30% [2] - Target Risk FOF maintains a long-term average ratio of stocks to bonds, with common allocations being 80:20, 70:30, 60:40, and 50:50. Higher stock allocations generally lead to higher long-term returns but also greater volatility [5] Group 2 - It is recommended for investors to start with Target Date FOF, as the retirement date is a more objective and easier-to-judge criterion [5][6] - For those retiring around 2053, it is suggested to choose a fund with a slightly later target date, such as 2055, to benefit from a higher stock allocation over a longer investment horizon [6]