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The author:(作者)qqpublished in(发表于) 2014/7/1 8:28:11 Nation’s first pension fund investment operations last year， revenue 6.2%
National Social Security Fund announced on June 30 last year, the annual report shows, incorporated into the uniform operation of the national social security fund of 100 billion yuan in Guangdong based pensions last year, yielding 6.2%, outperforming the 2.6% inflation rate over the same period.
In March 2012, approved by the State Council, the National Council for Social Security Fund, commissioned by the Guangdong provincial government investment balance of basic old-age insurance for enterprise employees, operating in Guangdong Province capital of 100 billion yuan. This is the first time the National Council for social security fund operation and management of basic old-age pension.
According to the annual report, late last year, Guangdong delegate rights to 109.45 billion yuan of funds. Guangdong delegate investment and operation of the unified operation of the base pension into the national pension fund, as a unified fund interest account. Last year, the national pension fund rate of return 6.2%, as a funds pool money, 6.2%, Guangdong trust funds yield.
According to the National Council for Social Security Fund, said delegate tentative two-year investment period, investing Foundation pension would adhere to the more prudent approach, added more allocation of funds to fixed-income products to ensure the realization of value maintenance and appreciation of the Fund.
Pension safe?
As the "first single" basic pensions investment operation, Guangdong experienced debate. Why pension investment? Pension to buy stocks now? Who is going to guarantee pension safe? For the people concerned, the reporter interviewed.
Why pension investment?
Pension pressure was mounting, adding value is important
If the pension system to a pyramid, then the bottom is the basis of government pensions, the tower is represented by the enterprise annuity in supplementary pensions, Spire is a personal business insurance, that is to say basic old-age pension is used for old-age "fallback" and not allow the slightest mishap.
At present, basic pensions scattered in various places in China, the cumulative balance of 2.8 trillion yuan, because funding is limited to deposit financial account or purchasing bonds, inflation, average annual rate of return is negative.
Billions of base pension trust investment operations in Guangdong, we promote a useful attempt of the pension value.
In fact, pensions investment operation was an inevitable trend in the international arena. Sun Yat-Sen, Director of the Institute for social policy and social security Yue jinglun believes that increasing pension standards in China on the one hand, balance and constantly refresh, on the pension gap should not be neglected, and and pension pressures will gradually increase, balance "raise money" value is necessary.
However, for this form of investment is it possible to do the industry views are not the same. Central University of finance and Professor Chu Fuling believes that pension Commission of Guangdong operation may be a special case, pension is used for payment for the current period of insurance, strategic nature reserves with the national social security fund is different, not an investment fund, we need more than a high degree of security.
Some experts also suggested that Guangdong could make the investment to try one of the main reasons is its basic old-age pension in the province overall, but from the perspective of national, local management of basic pension but integrated into the city, and even county level, funding pool is very small, is hard to achieve investment operations.
Pension to buy stocks now?
Market timing is not yet ripe, carefully
Investing pension is to fry it? National Council for Social Security Fund trustee investing billions in Guangdong said at the beginning of the basic old-age pension, don't put "principal investments operations" misreading "into the stock market."
Introduction of the National Council for Social Security Fund, that money is going to adopt a more prudent approach to investing, mainly to invest in government bonds, corporate bonds, financial bonds, bank deposits and other fixed-income products, clients can gain no less than bank deposit interest income over the same period.
As pointed out by some institutional investors, on the Chinese stock market has not yet reached the international standard of a mature market, speculative atmosphere is still strong, pensions into stocks, care is needed, but it does not mean that can't go into the stock market, but more closely in product design, with minimal risk.
Who is going to guarantee pension safe?
Pension Fund regulations listed in the legislation plan
Pension security is without doubt its "lifeline". Office of the social insurance fund of Guangdong officials said Guangdong agreed with the National Council for Social Security Fund, commissioned during the annual yield rate of not less than 4.2%, this is primarily intended to embody safety.
In fact, pensions investment operation of laws framework has been built. According to reports, the regulations of the national social security fund was formally included in the national people's Congress's legislative agenda, if legislation is passed, it means that the operation of the national social security fund system and legal protection also means that the Fund will be more open and transparent.
According to the Ordinance, the proportion of investment of the national social security fund in strict compliance with restrictions, such as stock investment is not higher than 40%, equity is not higher than 10%, not higher than 20%, such as overseas investment, these provisions are aimed at security.
(Original title: "the first single" pension investment operating earnings 6.2% beat inflation)
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