Research On Investment Countermeasures Of Endowment Insurance Fund

On Aug.3,2018,(FOF)of the 2040-year-old-pernod hybrid fund with a target date of 2040 years for the aged was licensed by the CSRC and the fund was publicly sold through the fund share offering agency from Aug.28,2018 to September 17,2018.The issuance of the first pension target fund into the market in China marks that our country has entered the transitional stage of gradually reforming the pension investment.The implementation of corresponding policies in succession will certainly improve the investment effect of the pension insurance fund in our country.To achieve the ultimate purpose of maintaining and increasing the value of the fund.The endowment insurance fund,as an important living guarantee after retirement,plays an important role in promoting economic growth,adjusting the income gap and promoting the fair development of the society.For the construction of the capital market,the pension insurance fund plays an important role in the construction of capital market.The pension investment can guide the long-term investment value of the capital market,realize the benign interaction between the pension insurance fund and the capital market operation,and bring outstanding contribution to the economic development.However,with the aggravation of the aging of our society,the hidden debt problem brought by the system transformation is more prominent,the empty account of personal account is more common,and the large proportion of the current pension investment tends to conservative investment mode.Investment return ratio Low,pension surplus growth has faced difficulties.It is imperative to choose the investment mode with high rate of return and rely on pension investment to realize the fund's value preservation and increment.Based on this,this paper comprehensively analyzes the current situation and problems of pension entry into the market in China,and points out the causes of the problems in the process of pension investment at present,such as narrow investment scope,imperfect capital market,improper positioning of government role,inadequate risk management,and so on.Drawing lessons from the diversified pension investment in the United States,focusing on the investment of pension in the real industry in Germany and the successful experience of the Pension investment in private pension insurance in Chile,this paper summarizes the improvement of the overall planning level,the diversification of the investment body and the strengthening of the role of government supervision In order to improve the investment rate of pension investment and to realize the value and increment of target funds,the reasonable suggestions such as laws,regulations and industry standards are put forward to provide feasible theoretical support for the investment of pension insurance funds in our country.