The principles of choosing investment channels should be: reducing risks, increasing returns and ensuring liquidity. Rural social endowment insurance fund is a kind of debt fund, which needs to be returned to the insured after several years, which determines that the fund operation should be based on the principle of safety; China's rural social endowment insurance is a savings accumulation model, and the payment of insurance benefits mainly depends on the value-added income of the fund, so each fund operating unit must ensure the preservation and appreciation of the fund and realize the profit of the fund; No matter what channel the fund invests in, it needs to be realized when paying farmers. Therefore, the operation of rural social endowment insurance fund should ensure that it can be realized in time when it needs to meet the payment requirements, which requires a certain liquidity.

At present, the investment of rural social endowment insurance funds in China is safe and effective, and the fund operation is mainly local, mainly through purchasing government bonds or depositing them in banks, and some social security funds are invested in the capital market.