Core Viewpoint - The article emphasizes the importance of independent research and prioritizing investor interests in selecting funds, particularly focusing on four noteworthy FOF (Fund of Funds) products that aim for long-term stable growth through diversified asset allocation and optimal fund selection [1]. Group 1: Fund Overview - The article introduces four FOF products, categorized into target date funds and target risk funds, designed to meet different retirement investment needs [1]. - Target date funds adjust asset allocation based on the investor's retirement date, while target risk funds maintain a preset risk level throughout their lifecycle [1]. Group 2: Fund Details - **Zhaoshang Heyue Stable Pension Target One-Year Holding Mixed (FOF)**: This conservative mixed fund targets a benchmark of 15% from the CSI 300 Index and 85% from the China Bond Composite Index, managed by an experienced fund manager with a strong background in pension investment [4][5]. - **Hongli Taihe Balanced Pension Target Three-Year Holding Mixed (FOF)**: This standard mixed fund aims for a balanced allocation of 50% equity and 50% fixed income, utilizing a tactical asset allocation strategy to achieve excess returns [7][8]. - **Zhongou Yujian Pension Target Date 2035 Three-Year Holding Mixed (FOF)**: A target date fund designed for investors retiring around 2035, focusing on asset allocation and fund selection, with a strong emphasis on risk control [11][12]. - **Ping An Pension Target Date 2035 Three-Year Holding Mixed (FOF)**: This fund incorporates a diverse asset allocation strategy, including overseas stocks, and employs a "core + satellite" approach for its equity investments [17][18]. Group 3: Investment Strategies - The investment strategies of the funds include a mix of strategic and tactical asset allocation, with a focus on maintaining a balance between risk and return [5][8][12]. - Fund managers utilize quantitative models and qualitative assessments to select underlying funds, ensuring a robust evaluation process that considers various market factors [9][14][20]. Group 4: Manager Expertise - Each fund is managed by experienced professionals with extensive backgrounds in asset allocation and pension fund management, contributing to the overall effectiveness of the investment strategies [5][8][12][18]. - The teams behind these funds emphasize collaboration and disciplined investment processes, which are crucial for achieving sustainable excess returns over the long term [6][9][20].