Analysis Of Pension Investment Path For People With Low Income

Pension planning and finance and investment is no longer a fresh topic, along with our country the aging of the population increase, the elderly pension service demand also increased year by year. Two or three line of low-income families in urban areas across the country, but, pension planning scheme and the financing problem of the choice of personal finance has not caused enough attention and concern about. Therefore, we should stand on a different level, from government departments, financial institutions and different level of the theory of academia to delve into substantial endowment problem facing low-income groups, in order to improve the elderly pension life status of low-income people. This has a positive theoretical significance and social significance in reality.Under the purpose of this study, the article down to visual, first discusses the urgency of pension planning problems, from the government’s macro policy of social security, this paper gradually go deep into the social costs and burden of the family structure of exploration in the future. Research shows that in the existing social system and economic development stage, the outgoing retirement or has to deal with retire workers will face the future pension problems of multiple difficulties, and report to the national census, regional economic development situation, a line and three line city social security funding gap report and the Chongqing region of structural style is the traditional family endowment path data as a theoretical support for a detailed analysis and research.Based on the study, the article then led to protect and support the social strategic value of low-income people, to narrow the gap between urban pension level and the realization of the balanced development of the endowment of low-income people is of great significance. At the same time, the article also emphasizes the perfection of the personal financial management business degrees and maturity will be factors affecting endowment is of vital importance to the specific planning, therefore, in this paper, the personal finance business system reform and transformation also constructive measures are put forward, namely the realization of personal finance industry "five changes", in order to through bank regulators top-down improvement measures to further improve and promote the development of personal financial business, and in order to protect the poor pension funds and savings value, thus to achieve the technical planning of the pension investment banking to lay a solid foundation..Articles in the last two parts, in detail elaborated the low-income households for pension reserve fund, and the standard of living in Chongqing area as data sources, to make the "daily life expense table", to measure the amount of pension reserves required under the condition of inflation, and how to implement low incomes through rational planning of financial freedom. According to the above analysis conclusion, put forward the best ratio of pension funds, and under the condition of the existing system such as how to choose the investment path to do the planning of the model.