Enterprise Annuity Investment Strategies And Planning Mode Choice

With a series of related enterprises pension policy laws and regulations publishing in 2004, our country's enterprise pension system also stepped the historical new stair. As the second prop of the government pension system, the enterprise pension is one of the important sources of income after the employee retires. But our country's enterprise pension system has just started, and there are still many problems. The enterprise pension is concern with the living level of retired employees closely, if the pension property management is bad, which can threat the living and affect the stability of society. However, due to the long-term characteristic of its liability, it is difficult to meet the unstable economic environment. So the.way that maintains employee's rights and interests, safeguards the quality of living is the key which determines the enterprise pension plan success or failure.This article takes the enterprise pension systems of American and Japan for example to analyze the risk imbalance between the right and the risk which the employee undertakes in our enterprise pension system. Aiming at the risk of enterprise pension fund investment, I put forward some mentalities in two aspects to safeguard employee's rights and interests. On the one hand, it is to choice the investment strategies which are under deferent supervising patterns in order to increase the pension value, which can resist the inflation and other non- system aging risks in maximum limitation .On the other hand, through the enterprise pension plan pattern design, which can provide the risk guarantee for the employee, to avoid the huge system risk of pension fund investment that the employee couldn't withstand at all.This article divides into four major parts. The first part is the summary. I make the brief introduction to the enterprise pension elementary knowledge and the...