Pension investment in the stock market reserves most of the basic funds after low-risk wealth management products such as treasury bonds and time deposits, and only a small part flows into the stock market. No matter whether it is a loss or a gain, it will not affect the pension of ordinary people. Only by investing, there must be losses and gains, especially for the pensions of ordinary people. This money is their pension money after retirement. If it is not well protected, it will definitely cause more employees' dissatisfaction.

a few years ago, Guangdong province announced that all the proceeds from the social security fund's investment of 1 billion yuan would be included in the balance of the pension fund. As a result, people questioned how much of the 1 billion yuan was from the personal account of the pension fund. If it was the proceeds from the personal account, should it be returned to the personal account, even as a fund management fee? In the process of pension investment, how to divide the losses and gains, and how to divide the responsibilities and risks in the investment process has become the most critical topic for pensions to enter the market.

Up to now, the national pension balance has reached more than 2 trillion yuan. So much money, if there is only bank interest, will only make the pension fund's money depreciate more and more, and the deposit interest rate will definitely not exceed CPI. Therefore, the entry of pensions into the market has become a very hot topic. There is no truth in investing that you only earn money. If the market is not good, how to protect the pension money of ordinary people becomes the most critical thing.

Some experts said that as long as you invest in those low-risk products in the capital market, you won't have much risk of loss. In fact, many countries have invested this kind of social security funds in the capital market, and there have been no major problems for so many years, which shows that this approach is successful. However, some people also said that low risk does not mean that there is no risk. Especially in the economic downturn, the capital market often fluctuates greatly, not to mention the financial crisis. During the financial crisis, social security funds in almost all countries were losing money and affected the interests of the insured.