The entry of pensions into the market once caused controversy, and "only earning without compensation" became the focus of public opinion, and even once became the "curse" of pension investment. With the attention of all parties, the investment effect of 20 17 pension is not bad. However, can you maintain this income next?
The annual investment report was released for the first time after the pension entered the market.
2065438+On August 23rd, 2005, the State Council issued the Measures for Investment Management of the Basic Endowment Insurance Fund, clearly proposing to comprehensively promote the market-oriented, diversified and specialized investment operation of the basic endowment insurance fund. Since then, the pension has officially started the process of investing in the market.
Can you make money? How much money can you earn? It has become the focus of hot discussion from all walks of life. Fortunately, judging from this first published annual report on pension investment, the income is still very good.
According to the annual report, by the end of 20 17, the social security fund had successively signed entrusted investment contracts with nine provinces (autonomous regions and municipalities) such as Guangxi, Beijing, Henan, Yunnan, Hubei, Shanghai, Shaanxi, Anhui and Shanxi, with a total contract amount of 430 billion yuan and a commission period of five years, all of which adopted the contract version of guaranteed capital and guaranteed income, and the actual funds received were 27.366 billion yuan.
In 20 17, the investment income of the basic old-age insurance fund was 8.783 billion yuan, and the investment return rate was 5.23%. Among them, the realized income was 7.642 billion yuan (realized rate of return was 4.55%), and the fair value of trading assets changed by11.41100 million yuan.
Since the basic old-age insurance fund was commissioned in February 20 16,190,000 yuan (including 36 million yuan in 20 16).
How to make money from pensions?
Some media commented that pension is the people's pension money, life-saving money and life-saving money. We should be cautious in investing such money. Stability and safety are the first criterion and the minimum bottom line of pension investment.
In this regard, the Measures for the Administration of Investment in Basic Endowment Insurance Funds also set a "red line" for pensions to enter the market: the proportion of investment in stocks, stock funds, hybrid funds and stock-based pension products shall not be higher than 30% of the net asset value of pension funds.
So, from 2065438 to 2007, how did the pension make money?
The National Social Security Fund Council said that the social security fund will adopt a combination of direct investment and entrusted investment to carry out investment operations. Direct investment is directly managed and operated by social security funds, mainly including bank deposits and equity investments. The entrusted investment is managed and operated by the investment manager entrusted by the social security fund, which mainly includes domestic stocks, bonds, pension products, listed and circulated securities investment funds, stock index futures, treasury bonds futures, etc.
The report shows that at the end of 20 17, the total assets of the basic old-age insurance fund were 31551900 million yuan. Among them, the direct investment assets were 93.469 billion yuan, accounting for 29.62% of the total assets of the basic old-age insurance fund; The entrusted investment assets are 222.05 billion yuan, accounting for 70.38% of the total assets of the basic old-age insurance fund.
The National Social Security Fund Council said that it will initially establish an investment product system. Stock investment pays more attention to safety and stability, and effectively grasps market style opportunities. Strengthen the monitoring of compliance risks of major investment projects, actively identify and effectively resolve compliance risks.
In addition, the strategic asset allocation plan and tactical asset allocation plan of the basic old-age insurance fund were formulated and implemented. Strictly control the positions in stock allocation and gradually increase investment in the low market; In the allocation of fixed income, accurately grasping the opportunity of high interest rate and increasing the allocation have laid the foundation for realizing stable and good income throughout the year.
The word "stable" is worth looking forward to when pensions enter the market.
Pensions entering the market is a new thing for China. The annual report released this time has played a role of "reassuring" to a certain extent.
During the two sessions of the National People's Congress this year, some members and experts suggested improving the old-age insurance system, strengthening tax incentives and encouraging long-term funds to enter the capital market.
Zheng Bingwen, a member of the Chinese People's Political Consultative Conference and director of the World Social Security Research Center of China Academy of Social Sciences, believes that pension, as a long-term fund, can not only become a "stabilizer" of the capital market, but also obtain a relatively better return on investment through long-term investment, thus achieving a win-win situation for maintaining and increasing the value of pension and stabilizing the capital market.
After the release of this annual report, the relevant person in charge of the National Social Security Fund Council publicly explained the current investment strategy of the basic old-age insurance fund to the media, saying that the social security fund will adhere to the concept of long-term investment, value investment and responsible investment, and conduct investment operation management according to the principles of prudent investment, safety first, risk control and income improvement, so as to ensure the safety of the fund and realize the preservation and appreciation.
At the same time, the person in charge also introduced that the Social Security Fund will actively promote the construction of internal control system. Establish an internal control committee to promote the construction of a three-dimensional internal control system from the aspects of organization, control means and business chain. Study and formulate normative documents such as internal control basic system and business basic system, study and establish internal control execution system, and improve internal control risk reporting, evaluation, inspection and accountability mechanism. Conduct internal control inspection and internal audit to find potential risks and problems in time, effectively plug loopholes and prevent risks.
It can be predicted that pension investment with the word "steady" will play an increasingly important role in the future.