摘要
生命周期基金作为一款主要针对退休的投资产品,目前已日益受到美国等发达国家的养老金计划青睐,但尚未进入我国的养老金投资领域。如何借鉴国外成功经验,开发适合我国养老金投资需求的生命周期基金产品具有重要的现实意义。本文系统介绍了美国生命周期基金的产生背景、发展情况、产品特点,分析了国内企业年金基金投资产品和生命周期基金的现状,指出将生命周期基金引入我国企业年金计划具有较强的可行性和现实性。
As an investment instrument mainly for retirement, life-cycle funds are increasingly popular in many pension plans in American and other developed countries, but they have not been introduced into Cbina＇s pension investment. It is of very important significance to develop life-cycle pension investment products that suits the demands of retirement investment in China by referring to the success of life-cycle funds in America and other developed countries. The article introduced the background, developing situation, characteristics of life-cycle funds in American, analyzed the developing situation of corporate annuity investment and life-cycle funds, and argued that it was of much feasibility and operation practicality to develop life-cycle investment in corporate annuity plans in our country.
出处
《保险研究》
CSSCI
北大核心
2008年第8期25-28,共4页
Insurance Studies
关键词
生命周期基金
企业年金
投资
Life-Cycle fund
corporate annuity
investment
