The Research Of Personal Pension Assets Investment Management In The View Of Property Incentive

The cultivation of pension assets and its investment management is a positive response to the current and future needs of the depth of aging.Due to the shortcomings of old-age security system design, urging individuals to reserve more pension assets for future risk in elderly. Most insured pay less attention to the social security rights, the local people have lower sense of social security rights than western countries. Lead the property to the pension system, not only can more actively encourage workers to work and insured, but also will be able to improve their sustainability, and plays an important role in supporting the country’s pension system.In order to study the investment management of personal pension assets, make the use of life-cycle hypothesis theory, psychological asset allocation theory, property rights theory of behavioral finance perspective of investment, to analyze Chinese current unreasonable personal pension asset allocation of its investment management, and the operations phenomenon of empty accounts, and in the reform process about shifting the responsibility to protect the weak sense of personal pension rights and other issues. Analyze and learn from foreign pension assets investment management. Clear property rights under the premise of individual pension assets, appropriate government decentralization, optimize asset allocation, broaden the field of personal pension assets investment,interacting with the financial markets actively, improve and standardize its regulatory regime, these are to promote the preservation and appreciation of currently valid personal pension assets, and plays animportant role for the sustainability of the pension system.