Model of pension fund scheme and its application

This paper analyzes the implementation of pension investment program. It is divided into two stages, namely, deposit and withdrawing money. According to the relationship between the actual changes of total deposits and quantity, the model of pension fund scheme based on the difference equation is established, and then the model is solved by iteration algorithm. Based on the model, the insured persons in four different ages groups which are 20 to 29, 30 to 39, 40 to 49, and 50 to 59 are analyzed respectively, then the total deposit in the account and the corresponding monthly pension of insured person when they are in 60 years old are obtained. The results of this paper provide decision-making reference for pension fund investment in real life.