个人账户基本养老基金入市投资是解决在岗职工未来养老保障给付危机的积极办法。目前个人账户基金入市投资存在市场障碍。政府当务之急是要设法补实个人账户基金 ,改善上市公司质量 ,规范证券公司和基金管理公司行为 ,提高经济鉴证信息质量以控制投资的系统性风险 ;促进国内金融工具创新 ,统一个人账户基金的投资管理 ,构建有效的养老金投资组合以降低投资的非系统性风险 ,使个人账户养老金入市投资尽早成为现实 Personal accounts The basic pension funds to invest in the market is to solve the current workers and staff pension security in the future a positive approach to the crisis. At present, there is a market barrier for the individual account funds to invest in the market. The urgent task for the government is to try to make up for the personal account funds, improve the quality of listed companies, standardize the behavior of securities companies and fund management companies, and improve the quality of economic authentication information to control the systematic risks of investment; promote the innovation of domestic financial instruments and unify the investment of individual account funds Management, build an effective pension portfolio to reduce the non-systematic investment risk, so that individual accounts into the market as soon as possible pension investment into reality