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未来人口老化加速,缴费人口减少,将会使社保基金的支付压力越来越大。随着我国经济的飞速发展,通货问题越来越突出,货币贬值,将会使社保基金的购买力下降。为了应付将来出现的各种压力,维护社会稳定,如何实现社保基金的保值增值已经越来越重要。文章基于投资组合的角度,选取了2004年到2013年之间十年的数据,对我国社保基金投资运营进行分析探讨,在保值增值的条件下,优化各个投资组的投资比例,求出其最优投资比例。以期能够为社保基金的投资运营提供一些建议。
In the future, population aging will be accelerated and the number of contributors will decrease, which will make the payment of social security funds more and more pressured. With the rapid economic development in our country, the issue of currency has become increasingly prominent. The devaluation of the currency will reduce the purchasing power of social security funds. In order to cope with the various pressures that occur in the future and to maintain social stability, it is increasingly important to realize the preservation and appreciation of social security funds. Based on the perspective of investment portfolio, this paper selects ten years of data from 2004 to 2013 to analyze and discuss the investment and operation of social security funds in our country. Under the condition of increasing the value of investment, the article optimizes the investment proportion of each investment group, Excellent investment ratio. With a view to providing advice on the investment and operation of social security funds.