Investment Model Of The Basic Old-age Insurance Fund

Old-age insurance is an important social security, the actual value of pension istaken seriously by Everybody. In China, The basic old-age insurance plays a veryimportant role, which is the subject of old-age insurance system. In order toensure the safety of the fund and take into account the immature market andother reasons, The basic old-age insurance fund has been only limited togovernment bonds or bank deposits with low rate of return. With the acceleratingtrend of population aging, it takes more and more attention that the problem ofpreserving and increasing the value of The basic old-age insurance fund, a kind ofview thinks that it must increase fund income through market investment,another kind of view is that there are risks of invest and must be carefully. Thispaper tries to answer whether The basic old-age insurance fund should invest andhow to invest.At present, there are many discussions on pension increment, but the object is notvery clear. For example, someone is confused with The basic old-age insuranceand The national social security fund, someone compares the basic old-ageinsurance in China with USA401K plan. This paper, analyzing from the pensionsystem of a country, carry on concrete research in a pension plan with the natureand role of it.This paper from China’s old-age insurance system, defines the scope and themandatory pension nature of The basic old-age insurance fund, makes adistinction and connection between The national security fund and the annuity,and analyzes targeted and comparatively. In Sweden, Singapore, USA and Chile,there are many characteristics of old-age insurance system and fund investment,by comparison and analysis, we can find out some methods and rules of themandatory old-age insurance fund investment, combined with the reality of ourcountry, analyze problems of The basic old-age insurance fund investment, putsforward the idea of market-oriented and diversified investment and operationmanagement mode, and issues of special national bond, investment scope of bondfunds and personal account, and so on. At present, our country is developing thebasic old-age insurance investment approaches, this paper can provide someadvices for relevant ideas.