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近年来，为了应付人口老龄化的挑战，世界各国纷纷对养老保险体制进行改革和调整，养老基金作为机构投资者的作用越来越大，对本国的共向基金业乃至整个资本市场都产生巨大影响。美国私营养老保险计划一直在养老体系中占据重要地位。个人退休帐户计划（IRA）是一种居民自主选择
In recent years, in order to meet the challenge of population aging, all countries in the world have carried out reforms and adjustments to the pension insurance system. The role of pension funds as institutional investors is growing. They have a tremendous impact on the country’s total fund industry and the entire capital market influences. The U.S. private pension plan has always played an important role in the pension system. Individual Retirement Account Planning (IRA) is a resident’s choice