Pension entering the market refers to the securities investment of personal account funds in the basic old-age insurance fund. A few days ago, the public consultation on the "Measures for the Administration of Investment in Basic Endowment Insurance Funds", which has attracted much attention from the society, has ended. It is estimated that more than 2 trillion funds will be "ready to go" to enter the investment operation. Endowment insurance fund is the life-saving money of the masses, and it is of great significance for everyone to realize safe and efficient preservation and appreciation.

concept

According to the plan, enterprises set up special accounts for employees, and employees pay a certain percentage of their wages into pension accounts every month, while enterprises generally pay a certain percentage of expenses for employees. Employees choose their own portfolio to invest, and the income is included in their personal accounts. When employees retire, they can choose one-time collection, installment collection and transfer.

The entry of pensions into the market for comments has ended.

What the public is most worried about is the security of pension "stock trading"

Focus one

Is the pension entering the market at this time to save the market?

Compared with the hundreds of trillions of funds in the stock market, the size of the pension market of around 600 billion has little impact.

Although the method gives more than 20 pension investment paths, the word "stock market" has received special attention, especially in the case of recent sharp fluctuations in the stock market, the public is most worried about the safety of pension "stock trading".

Ma Li, director of the Shanghai Housing Provident Fund Management Center, said that the method clearly stipulates that the total proportion of investment in stocks, stock funds, hybrid funds and stock-based pension products should not be higher than 30% of the fund's net asset value, which means that the proportion of pension funds investing in stock-based products must be controlled below 30%, with the aim of reasonably controlling investment risks.