退休规划的投资组合策略研究
发布时间：2019-02-23 21:57
【摘要】：当今社会，人口老龄化问题日益严重。一方面，国家基本养老保险难以完全满足广大人民群众的高品质退休生活。另一方面，我国居民很难通过企业年金年金获得充足的保障，因此通过退休规划弥补养老金缺口，维持一定的退休生活水平，实现退休理财目标，就显得十分必要。 本文探讨了我国居民养老金的供需缺口及产生的原因，并对退休规划中常用的投资工具的收益、风险进行了分析，同时通过比较常用投资工具的特点与风险得出低、中、高风险及收益的投资组合。 本文将个人退休计划和现代投资组合理论结合起来，通过投资组合模型，根据不同的风险和投资回报选择出适合不同收入人群的投资理财工具以及投资组合，同时运用案例分析研究适合我国居民的投资策略，提出退休规划建议。
[Abstract]:Nowadays, the problem of aging population is becoming more and more serious. On the one hand, the national basic pension insurance is difficult to fully meet the masses of the high-quality retirement life. On the other hand, it is very difficult for Chinese residents to get sufficient protection through enterprise annuity, so it is very necessary to make up the gap of pension through retirement planning, to maintain a certain retirement living standard and to realize the goal of retirement finance. This paper discusses the gap between supply and demand of residents' pension and its causes, and analyzes the income and risk of the investment tools commonly used in retirement planning. At the same time, by comparing the characteristics and risks of common investment tools, the paper draws a conclusion that the investment tools are low and moderate. A portfolio of risky and profitable investments. This paper combines the individual retirement plan and the modern portfolio theory, through the portfolio model, according to the different risk and investment return, choose the investment financing tools and the investment portfolio suitable for different income groups. At the same time, the case study is used to study the investment strategy suitable for the residents of our country, and the suggestion of retirement planning is put forward.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F249.2;F832.48
本文编号：2429248
[Abstract]:Nowadays, the problem of aging population is becoming more and more serious. On the one hand, the national basic pension insurance is difficult to fully meet the masses of the high-quality retirement life. On the other hand, it is very difficult for Chinese residents to get sufficient protection through enterprise annuity, so it is very necessary to make up the gap of pension through retirement planning, to maintain a certain retirement living standard and to realize the goal of retirement finance. This paper discusses the gap between supply and demand of residents' pension and its causes, and analyzes the income and risk of the investment tools commonly used in retirement planning. At the same time, by comparing the characteristics and risks of common investment tools, the paper draws a conclusion that the investment tools are low and moderate. A portfolio of risky and profitable investments. This paper combines the individual retirement plan and the modern portfolio theory, through the portfolio model, according to the different risk and investment return, choose the investment financing tools and the investment portfolio suitable for different income groups. At the same time, the case study is used to study the investment strategy suitable for the residents of our country, and the suggestion of retirement planning is put forward.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F249.2;F832.48
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