[Korea nine hyerin financial newspaper reporter] can sign up for accounts sintakhyeong ISA (Individual wealth management accounts) it showed that the subscription amount accounts for a high proportion imhyeong than one ISA. Financial Services Commission argues that it is in problems while excluding the ISA sintakhyeong not return the public, with only one Return of imhyeong ttajineun the ISA and the ISA program.
According to the data of 13 the Financial Committee is published, you can subscribe account sintakhyeong ISA will take up the entire ISA (235 manjwa) vs. 88.6% (208 manjwa), subscription amount is compared to 85.3% (three full ISA (three one trillion 6461 billion) Joe showed accounted for 110 billion won).
Sintakhyeong ISA is a product for self-directed investors want to invest your own by selecting financial products. Therefore, the investment performance is determined by the operational capability of the investors. On the other hand, one imhyeong ISA is a product that will have expertise in financial management and investment fund companies, investment performance depends on the operational capability of the finance company.
According over financial, banking subscribers of sintakhyeong ISA customers are mainly incorporated into the guaranteed principal yejeokgeum the ISA, investment brokerage customers are mainly securitized derivatives. On the other hand, in the case of one imhyeong ISA has showed that the domestic bond funds in the transfer assets of one imhyeong ISA in the banking sector, which accounts for 40%, MMF 26%, one imhyeong ISA showed that the incorporated portion of the securitized derivatives highest of securities .
ISA records the cumulative rate of return in excess of 2% to be about one year after its launch performance, has been criticized that the word colorless sudin national wealth. However, the financial authorities have pointed out that the current rate of return is being published one day return as imhyeong ISA, ISA returns sintakhyeong full disclosure has not been prepared in ISA account for a large proportion.
FSC official said, the entire ISA based on the disclosures return of 'one imhyeong ISA (finance company operating type) only in circumstances which account for about 90% of sintakhyeong proportion ISA occupied during the entire ISA subscription account, 10% of the total subscription account to evaluate the performance, said it is not reasonable that the "overextended as part of the whole. ''
However, it will receive the ISA system mutmae not just because yields. Industry insiders is that subscribers will release continues receiving the exterior of the people, which reported its drawbacks because with the ISA system.
ISA account is approximately 60,000 accounts over the past three months to March, three days after last December has been reduced. Even if only one imhyeong ISA ISA brokerages net subscribers has continued in the last sense to 7 starting from the end of January for seven consecutive months. If the bank has 23 759 subscribers they are leaving by the end of January compared to the previous month.
Industry insiders have argued that the institutional problems such as limited tax benefits to 2 million won, the free withdrawal is not possible, limited nature of the subscription conditions subject to drop the appeal of the ISA product itself.
Meanwhile, the Financial Services Commission today announced that three issues were stagnant subscribers, plans to try the ISA system improvement. FSC officials' Join to expand, expand tax benefits, such as allowing withdrawals provided a moderate improvement ministries and institutions active consultation nagagetda "he said.
FSC is the first attempt 17 days will hold a meeting with industry imjongryong financial presiding chairman for the ISA system Improvement coming.
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