3 years Return, Multi-Asset No. 1 ... NH Ah Mundi 'red light'

It showed that many funds of pension savings funds to subscribe for the [South Korea Seo Hye Rin nine financial newspaper reporter] retirement fund is slack likely to continue to slow long-term returns. This product losses by more than 20% have also requires the attention of investors.

According to the Korea Financial Investment Association on the 24th standard, 282 average yield of pension savings fund set up in February 2014 before appeared to be not less than 1% to 0.7%. Among them, the minus (-) products demonstrated that the yield amounted to 32% of 90 dogs.

3 years in product and record the yield more than 5% of products less than 93 pieces 33% of the total, 10% was only 15% of 42 dogs. Only products that fall under one of about three minutes total in the count and record the stable returns.

The larger yield gap Looking at individual items. Three-year return on the fund was yielding to the 'NH-Amundi Republic of Korea Green Growth Pension Fund Securities switch hyeongja [stocks]'. The fund is also great gap with other funds belonging to hawigwon yield reached 2 to 29.55% Yield 3 years. Followed by Shinhan BNPP Happy Life annuity hope Securities Investment Trust 1 hyeongja switch [CO] 'is to -14.9%, "Korea Investment & Securities Gold Plan Samsung Group Pension Fund 1 (stock) series is -13 ~ 14% yield It was recorded.

On the other hand, long-term funds represent an excellent return showed more than a 40% performance. Recorded a three-year rate of return 45.76%, multi-asset mainland China Special Pension Savings Securities Co. Fund [Stock] Ce class' and recorded a staggering achievement. Showed the Samsung classic Mainland China Securities Pension Fund H [CO] 'was also recorded a 40% single rate of return, "Mirae Asset Securities conversion value stocks focus on pension savings hyeongja Investment Trust 1 (CO), excellent flow units by 30%.

It was a common high equity ratio both poor return funds, excellent Funds Fund. One of the 1341 pension savings fund established in domestic equity funds amounted to 38% of 515 pieces. The average rate of return on equity and pension funds, but that the overall average (0.7%), a difference of 0.8%, it can be said that a large part of the performance gap between individual funds. This is due essentially to the property investments subject to equity volatility risk exposure of size.

What do experts recommend a retirement savings fund. One large bank products development manager has hinted that "it is good to choose a less fluctuation risks baedanghyeong products, value-product".

It is the opinion that no funds solely to obtain a preferential dividend income to invest in gobaedangju is beneficial to customers who seek stable assets. In addition, it is simply that evaluated the glass when the funds based on the actual share undervalued value stocks investment valuation more than picking a high-density large-cap funds invest long term.

On the other hand, it is a strategy to create a neutral mix of debt and equity securities. Dudoe the proportion of bonds and stocks, so 7 3, it is advantageous to choose a fund manager fund in the long term. When choosing a fund is to look carefully for the past performance records management philosophy of the fund manager is the default.

Meanwhile, front-line brokerage Private Banker, "We recommend you have a minimum of three years, rather than midway redemption," he said. "But if you have a severe repurchase the poor yields two euros advised to take advantage of the account transfer agent, it may cause the tax burden." It explained.



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