Research On Investment Portfolio Strategy Of Retirement Planning

In the contemporary society, the population aging problem is increasingly serious.It is difficult to completely cover living expenses after retirement under a certain lifequality standard by the primary endowment insurance. On the other hand, it isdifficult for domestic residents to obtain adequate safeguards by enterprise annuitysystem. Therefore, in order to maintain an ideal living level of retirement and toachieve retirement financial goals, it is necessary to compensate the gap of pension byretirement planning.This article discusses the reasons for the gap between supply and demand ofresidents of pensions. It analyzes the income and risk of the investment tools whichare commonly used in retirement planning; lists portfolios of low, medium, high riskand revenue by comparing characteristics and risks of common investment vehicles.It combines individual retirement plans with modern portfolio theory; quantifiescomplex individual retirement plans, through portfolio model; chooses the appropriateinvestment vehicles and portfolio investment according to the different risk and return;guides the different income groups to invest retirement planning through high-income people and low-income group’s retirement planning portfolio cases, describesrecommendations for the retirement planning.