The Research Of Personal Pension Investment Strategy And A Case Of Study Of Beijing

The problem of raising old age is becoming more and more prominent in our country.It is not enough to solve the existing problems by relying on the improvement of macro research system and the reform at the national level.The micro-level personal planning is more and more in front of us.How to realize the accumulation of wealth through investment to protect the needs of pension life,has become a common problem the younger generation.Based on the life cycle theory,monetary value theory and portfolio theory,this paper analyzes the supply and demand of the pension and the reasonable investment planning of the pension gap with the analysis of the family of Mr.Chen in Beijing as a case study.In the analysis,we note that the current standard of living is greatly improved,Mr.Chen double-paid families on the consumption and future expectations are relatively high,in the 20 years after retirement,the total demand is go to reach the level of 10 million,the basic pension and enterprise annuity will make up part of it,but it is still not enough.Based on the theory of portfolio theory and the theory of investment portfolio,this paper uses the life cycle and the time value of money to carry on the background analysis,and makes a calculation of the pension gap of the representative class of the double-paid family of Mr.Chen in Beijing,and makes use of the investment strategy to make up the gap And put forward effective proposals for building a portfolio.