Simulation Research Of Enterprise Annuity Investment Return Effect

With the rapid development of our economy and society and significant changes in the demographic structure, annuity pension get more and more attention. Current our country enterprise annuity still in its infancy, the fund scale is small and fund management not standardized, annuity investment rate of return on on the low side and unstable, the development of enterprise annuity market not yet ripe. The main reason for resulting in the development of China’s enterprises annuity so slow is that our country has not yet establish a sound specifically legal norms and some preferential policies for the enterprise annuity, and our country pair investment channels of annuity fund, and limit the invest biased in favor of investment tools of high safety but low benefits rate. At present, the investment returns of China’s enterprise annuity have yet to play its rightful role in the multi-level old-age security system.Based on the analysis of the mechanism of enterprise annuity investment management and related factors, and based on the economic effects of the return on investment of enterprises annuity, and use the system dynamics analysis the investment returns of China’s enterprise annuity. Through the analysis of simulation results, we found the asset allocation of pension fund to investment returns of annuity has a significant impact, and reasonable asset allocation can improve the investment returns of China’s enterprise annuity. Fund managers can be through the new investment vehicles portfolio, in order to achieve risk diversification, to the purpose of improving the investment returns of China’s enterprise annuity and ensure increasing the value of corporate pension funds.The innovation of this paper is to use the system dynamics method analysis the investment returns of China’s enterprise annuity, and can be effective and objective measure the investment returns of China’s enterprise annuity under various scenarios, and through an intuitive comparative analysis to identify the optimal portfolio. This paper deepens the research of enterprise annuity investment management, from the micro level to provide some suggestions for the development of enterprise annuity.