NH Investment & Securities, suggested preparing retirement by age and pension savings

[Korea goyounghun financial newspaper reporter] NH Investment and Securities Institute of the age of 100 years has presented some points for old Prepare for 28 days around the age group 50 and rookie society.

50 stand ready to retire just before the end time of retirement is the time to check and fine finish. If you are dual-income non oebeol checked thoroughly and should exercise a little more thorough in the final preparation.

50 oebeol furniture if you like it all means join a spouse in the household pension increase national pension amounts to 150 million yuan. Contrast the old and ready to add tax paid on pension savings and low interest rate era, financial assets are perfect as actively managed as a portfolio.

Repay the loan before retirement, and so can continue to work after retirement is also important to prepare for a second career. Reducing the scale residential retirement income sources should also be diversified.

40 children stand a better education and equalize retirement preparation and balance. When set to the principles relating to the child's education and private education per child aged prepare ratio is 1: 1, Total education per child is recommended to set at 10% of income.

Social rookie started the economic activity is a time Dodge cornerstone of retirement preparation. Raising the correct spending habits and thereby laying the foundation for financial management for the whole life. For this purpose, set goals and save more than 50% of salary, and is divided to manage the account.

The cost of living is writing to more than 30% of salary, 10% of the salary is put together in a separate saving account. Indemnity insurance is 5% of salary to the mandatory insurance is necessary to put it 's better to manage risk.

100 three times Institute yiyunhak director of "heulsu Journey embargo Journey there and cutlery gyegeupron fashionable and class divided according to the part of the parents is considered as not rarely exceed the wall" and "I until you retire from the start of his career life If you continue to practice asset management across a wealth can be a lot more, "he said.



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Last year, foreign institutional investment securities $ 52.2 billion led by insurers ↑

[Korea Jeongseon financial newspaper reporters - a new international accounting standards (IFRS 17) is significantly increased overseas securities investment by domestic factors, such as institutional investors in foreign bonds ahead of the implementation of insurance.

Bank of Korea According to foreign securities investment trends of major institutional investors in 2016 issued 28 days late last year, the domestic asset management companies, insurance companies, securities firms, including foreign currency securities investment funds of institutional investors from the previous end of 2015 to $ 173.74 billion 52.100008 billion increased Wanda Errors (42.9%).

Overseas investment by domestic institutions has been expanded since the last record in 2012 $ 12.3 billion $ 12.7 billion in 2013 net investments last year, the fifth consecutive year in 2014, including $ 16.8 billion.

Foreign investment in insurance companies showed a rise sharply. IFRS 17 is performed before the analysis that the increase in the foreign bond investment of insurance companies.

The end of last year, foreign investment in the insurance funds increased 64.98 billion months 1 years new $ 22.88 billion (52.5%) in Russia. Compared to the last end of 2014 ($ 33.68 billion), a level close to doubled.

Insurance companies dramatically increased investment in foreign stocks, but ceased to $ 2.61 billion dollars increased by 180 million months, foreign bonds ($ 18.28 billion) and Korea Water ($ 3.92 billion) investment.

Foreign securities investment funds of asset management companies was 797 billion dollars in 5000 totaled 10 000 19.500008 billion increase Wanda Errors (32.5%). Overseas investment in overseas securities investment foreign exchange bank of the year a new $ 7.25 billion (67.1%), securities increased $ 2.97 billion (37.2%).

The Bank of Korea analyzed that "insurance companies, asset management companies have increased overseas investment in foreign securities increased significantly influenced by new investments mainly foreign bonds.

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[Closing market] Kospi, 2090 · SK Hynix, Samsung Electronics Line rebound ... accompanied by rising

[Korea hyerin nine financial newspaper reporter] KOSPI is only three days, thanks to the net purchase of foreign regained the 2090 lines.

28 days Kospi day before President Trump influenced by expectations for a rise in the US stock market would announce concrete policy on economic stimulus speech was a joint session of both houses slightly.

On the other hand, won dollar exchange rate fell wondaero 1130.

The KOSPI index closed the day compared to the previous trading 6.12 points (0.29%) Right 2091.64.

By principal trading in the securities market, foreign buying worth 60.5 billion won and turned to sunmaesuse on the third day. Organizations and individuals have net sold 25.5 billion won, respectively, 836 billion won.

Hyundai Heavy Industries is buying foreign stocks (250 million), Samsung SDI (148 billion), Hyundai (145 million) were such as selling stocks is NAVER (-236 million), Samsung C & T (-129 million), Samsung Fire & Marine Insurance (-86 million ) showed the like.

On the other hand, institutions are buying stocks Hyundai Heavy Industries (187 million), was Hyundai Mipo Dockyard (13.4 billion), SK Hynix, etc. (119 million), stocks are selling NCsoft (-437 million), Samsung Electronics (-422 million), Doosan It appeared Heavy Industries (-300 million) and the like.

By industry, the machinery was down (-1.57%), pharmaceuticals (-1.33%), non-metallic minerals (-1.32%), Retail (-1.07%). On the other hand, transportation warehousing (1.59%), financial services (1.11%), electronics (1.005), insurance (0.94%) and rose.

Market capitalization stocks climbed higher heat most.

In closing the deal, Samsung Electronics rose 1.00 percent to 1.922 million won rebounded in four days. SK Hynix rebounded in just 5 trading days. As the day buying foreign flows SK Hynix has completed a deal to ₩ 46,700 rose 1.52%.

The large financial stocks were also weak finish to the day before the rally was a success. Shinhan Financial Group (1.97%), Samsung Life Insurance (1.42%), including the KB Financial Group (2.29%) both ended strong. POSCO (1.25%), Hyundai Motor also rose (0.67%).

On the other hand, NAVER (2.51%), Hyundai Mobis (-1.54%) and Samsung C & T (-1.60%) fell.

The KOSDAQ index also rose reversed four days.

KOSDAQ index ended the day with 612.20 Chapter rose 0.08 points (0.01 percent) compared to the previous trading day. In the KOSDAQ market was net buying by foreigners and individuals 700 million won and 268 billion, respectively, the agency was net sold 22.1 billion won.

Won / dollar exchange rate in the Seoul foreign exchange market closed the previous trading down 3.0 won compared to 1130.7 won.



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Savings banks, non-face-to-face reinforced by receiving goods

[Korea before lower cervical financial newspaper reporter] Savings Bank Federation of non-face-to-face account opening service 'SB toktok' released in the beginning of this year, the savings bank industry is expected to focus on non-face-to-face than receiving goods. 'SB toktok' and savings banks, and the app is its non-adhesive face iteoseoda between customers. As a result, savings banks, it has developed from a mobile development platform hardening, non-face-to-face only by receiving products from the tablet points.

According to industry savings banks, SBI Savings Bank entered into a tech-related business alliance last 15 days the simple toss feeding services (TOSS) River running Vary published pins.

SBI Mutual Savings Bank is planning to push pin along the River Tech Vary publicity related to various financial platform and services development. There currently reviewing the toss my savings banks SBI Loans sold. Product development is that if visible is expected to decrease the cost to pin Tech interest rates. Savings Bank SBI official said, "such as pin-tech mobile is focusing on developing products that are as much related to the topic," he said, "will be performing mobile platform enhancements, product development, etc. with Publicis Vary River."

The non-face-to-face account opening services. It has attracted young people who are familiar with mobile banking. Watching for the products of the high interest rates savings bank that it also increased the savings bank customers expanded outer effects.

According to the Korea Federation of Savings Banks, the conditions outlined in the 5000 accounts are based on 16 days' SB toktok. Demand 2881 look much detail cases, 1852 cases are time deposits, savings 273 cases. Its savings bank is also excellent app performance. Welcome Savings Bank account opening services to operate its non-face-to-face account opening is on the rise. Welcome Savings Bank opened 20 days based on non face-to-face account it has exceeded 4000 cases.

Welcome Savings Bank official said, "Once you open a savings account and add items directly from the app so that you can subscribe to the combined Savings Account can sign up the actual accounts will be further increased."

Welcome Savings Bank is constantly working to improve ease of mobile apps.

Welcome Savings Bank may switch to another product that provides a higher savings account interest rate have only a mobile app. 'WELCOME PLUS Savings Account, which provides an annual 2.5% holders may change just as' WELCOME workers love Savings' to provide a 3% annual interest rate from the mobile app. Welcome Savings Bank is preparing a development, service launch, the tablet branches, you can do all the banking with the current tablet PC. Non-face-to-face account opening week available layers are young people who are familiar with mobile services. Shem is the State Savings Bank customers who are expanding the breadth and in that age was a.

Instead, savings banks were opened 20 days based on the 1850 cases account. Having said that, especially this year than last year, the number of flows. Instead, savings bank official said, "The average was opened up to the extent that non-face-to-face account opening flows up to 160 per day at about last year's average of 131 cases a lot," he said.

Instead, savings bank official said, "There is a certain tendency income is coming along well with all the trends use a lot of people who want to leave the lump sum is usually," "non-face-to-face counseling customer accounts opened during most of the many young people," he said.

Late last year the company launched a mobile app OK Saving Bank also increased compared to 2015 non-face-to-face receives two times. According to OK Savings Bank, which share two-day inflow to the OK Savings Bank is a non-face-to-face yeoteuna year 2015 by 9%, coming in 2016 increased by 2 times to 16%. In January, this was also a non-face-to-face account balance exceeded 10 billion.



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More than 260 employees united by the Dodgers Shinyoung Securities, climb Odaesan

[Korea goyounghun financial newspaper reporter] Shinyoung Securities, it said that 27 days climbing Gangwon Wutaishan past 25 days among participating employees about 260 people were.

Odaesan regular hikes to progress every February is the 28th company events yieoon year starting in 1990. The event is prepared for the new year with the aim to raise the capacity planned staff itself, which was arranged as a place of harmony and co-workers.

From early morning until the sun started climbing was conducted from Odaesan Sangwonsa jeokmyeolbogung, Birobong normal. Employees who participated in the event as scheduled, finished the hike in cold weather below freezing.

Shinyoung Securities, said, "Odaesan regular hikes are and event containing the vision of the company to provide differentiated value to customers, was the seat Dodge unity among employees," said "four pledge for catching the framework of the new fiscal year, which begins July was the time, "he said.



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The Best Securities Naver shares held by affiliate page mock investment contest

[Korea goyounghun financial newspaper News] The Best Investment & Securities, said that the 27 days proceeding the investment simulation competition that awards a total of 103 people in partnership with Naver page.

The application period is from April 09 Is jimyeo day, from next month contest period is open until April 28, 20 days. The mock investment contest consisting of a return contest with two kinds of competition in the report Competition is the lead on the first tournament 20 and was planned for 30 investors, the target investment activities enabled the winners egen prizes and listed each award that targets college students .

Yield contest is to cover the winners in yields to the highest order above 1100 above Convention and reports Competition submitted in foreign stocks one or more of the (United States, China, Hong Kong) or domestic small-cap stocks analysis reports yields and more Rate and awards for the top three.

Also, if you participate in the Best Investment securities account without the customer non-face-to-face account after opening contest Npay 1 million won is paid to the first 500 members, Npay 3000 circle is paid to one or more mock trading a first-come, first-served basis 1,000 participants proceed.

Registration can be the best investment securities, etc., blog, smartphone applications and inquiries and more details can be confirmed through the Service.



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FSC, twice a year by expanding the branch Ombudsman ordinary session

[Korea goyounghun financial newspaper reporters] to expand the financial authorities of the two circuit by the Ombudsman ordinary meetings once per quarter in the previous quarter for an in-depth review of the agenda for such grievances and complaints of consumer protection in financial companies.

Financial Services Commission has announced a 'Ombudsman first anniversary of operating performance and future plans "included these details 26 days. FSC was launched in February last year, Ombudsman for the implementation and financial consumer protection watchdog role for financial regulation. Ombudsman may consider to seven consists expertise and financial laws voted by external recommendations manner. Current Chairman and enteric Investor Protection Foundation and held regular meetings on a quarterly basis.

In July last year, it stated Tuesday in effect, whether such sanctions in accordance with the operating regulations for a total of 565 cases Shadow Financial Regulatory scene, reviewing the results were issued to non-action comments. Deliberation about the shadow quality regulations in 46 cases eopgwon and voted.

Also consider investigating the transfer Bankers Association, Saint-Insurance Association, the Korea Financial Investment Association, the goddess Association, the Korea Exchange, the savings in form validity and excessive regulation and whether or not for a self-regulatory organizations, including the Korea Federation of Banks. 99 245 cases of self-regulation affecting citizens rights has also recommended overhaul.

Financial companies were seeking improvement through the nine meetings against 11 cases filed civil complaints anonymously via portals such as financial regulatory complaints. Based on this review, and adjust downward to 18 years of age postpaid traffic card issued only a combined debit cards, also plans to improve the website to enhance consumer convenience.

FSC japyeong side was that the financial crisis last October, performing a bridge between the two agencies seeking in-depth institutional improvement through the FSS joint meeting with the Ombudsman.

FSC official said, "we will discuss mainly the result of conduct on-site inspection Monthly Theme Support Group" and "Checking the results expected from the review process will also reflect further improvement through independent and objective vision of the Ombudsman".

In the first half of the Ombudsman it plans to open a blog, and the general public to promote reconciliation, strengthen the various anonymous reporting channels.



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Eland Park, followed by part-time regular employees also live the king 'unpaid'

[Korea gimeunji financial newspaper reporter] the February salaries of part-time employees who owe the water park Eland in unpaid wages of workers were found to have not paid a significant portion. Park Eland has delivered the 'February salaries delayed payment instructions "to the catering division employees who as CEO last 23 days.

E-Land park is operated by a subsidiary of E-Land and Natural byeolgok Ashley, Kensington hotels and catering and leisure business.

According to the Statement of part-time workers are paid wages chebulaek of Eland Park and New Year Payment molrimyeo example occurred in the financial situation is difficult. In addition, as the company is in the process of using the money to pay half the wages of part-time workers chebulaek salary of full-time employees now been delayed.

Eland Park will pay 100% of the normal salary to match the site to work part-time and contract employees pay day is 25 days. In the case of the manager under field staff, paid on payday, and only 50% of the remaining 50% is due 10 days paid next month. February salaries of headquarters staff are paid 100% in the next month, 10 days.

Kim Hyun - Soo Park Eland representative said "February is the best for normal salary payments, but was difficult to preach the news that some delay salary payments" through the notice said, "I really feel sorry no way inhibit".

In addition, "because important issues that affect the lives of a large staff, but these decisions are supposed to communicate quickly gotta determined by the day I will finally try to do your financial situation normalized, said" the best communication was belatedly "he said.

E-Land park was owed to the fact that the controversy had part-time employees last year whilst 44 360 and does not pay the wages of 8.372 billion won is revealed. Eland Park had paid 30 billion of 83 billion of unpaid wage part-time employees 44 360 people by January 1 will pay the remaining 5.3 billion next month to 31 days.

The E-Land Retail conditions is causing a problem, unpaid wages and social charges, but the wavelength of the park Eland subsidiary of the publicly traded horses preliminary examination last year extended the public review of the Korea Exchange indefinitely. E-Land Retail holds a 85.3% stake in Eland Park.

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