摘要： 在全球老龄化的趋势下，我国的养老金在未来的几十年里将面临着巨大资金缺口问题。而当下由于我国巨额养老金的投资结构过于单一，投资收益率跑不过CPI，老百姓的“养命钱”也面临着严重的缩水问题，在这种情形下，养老金必须改变投资结构，进入资本市场以寻求保值增值突破点。本文先对我国养老金入市背景进行相关介绍，继而提出我国养老金入市的原因并对养老金入市带来的影响进行分析。在文章最后我们将针对养老金入市会面临的问题提出一些针对性的措施。

关键词：养老金入市 收益率 资本市场  风险管理

Abstract: With the global trend of aging China's pension in the coming decades will face enormous funding gap, Besides, nowadays "the life of money" of common people is facing the serious problem of shrinkage due to the too single investment structure of China's huge pension and the investment rate of return which is low than CPI. In this case, pension must change the investment structure and enter the capital market to seek a breakthrough value point. This paper introduced the background of pension city in our country firstly, then analyzed the reasons of our country's pension market and related effects. At the end of this paper we will put forward some pertinent measures on the problems that the pension market will face. 

Keywords: The pension market   rate of return   capital market    risk management