随着人口老龄化的发展,个人账户制度以其独特的优势,在各国养老保险制度中占据着越来越重要的地位。本文以智利、新加坡、瑞典三个典型国家的个人账户制度为对象,分别从基金管理模式、基金投资模式、管理成本、最低养老金保障、养老金发放模式五个方面进行了比较,进而得出对我国的启示。 With the development of population aging, the personal account system takes its unique advantages and occupies an increasingly important position in the pension insurance system of all countries. This article takes the personal account system of three typical countries of Chile, Singapore and Sweden as the object, and compares the fund management mode, the fund investment mode, the management cost, the minimum pension guarantee and the pension payment mode respectively, Inspiration to our country.