Teachers pension, 'communication and unity' pension business strategy concert held in the headquarters

[Korea goyounghun financial newspaper reporter] Teachers Pension Corporation has held a concert strategy for executives and pension division of former employees who participated organizational culture and strategy execution strengthened in the last 28 days of seminar rooms Naju headquarters announced two days.

The concert was to raise chapter of empathy and communication strategy for the years systems and shared government services 3.0 custom implementation of the 2017 pension business bukdotgo the morale of staff who are dedicated pension division in the forefront, in order to achieve customer satisfaction.

Gimhwajin President should "and members are all encouraged each other for organizational development, deep seat was a means to form a consensus," said "the future By the pension services agency trusted by our customers through continuous innovation based on the organizational culture of harmony and communication "he said.



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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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Samsung Securities, 25th retired couple holding school ... Pension money proposed strategy

[Korea goyounghun financial newspaper News] Samsung Securities' couple retired school "for 25 days next month from 10am to 28 days Seocho Samsung said that Samsung Securities held in the town center financial investment seminar rooms.

The retired school will introduce the theme of 'pension money investment strategy, "superannuation jaetekeu, operational know-how and investment strategy for retirement that money from the end of the year, Samsung Securities Settlement Design Institute experts directly.

One part Nancy research committee 'Money Year-end Tax Settlement, prepare from now on, Part 2 yigyeongho senior committee "to prepare for spring pensions to prepare for winter jaetekeu', Part 3 anyuncheol Chief Commissioner 'retirement pensions and personal pensions as for the operational know-how and investment strategy, the subject will be presenting the life of the asset management professionals preparing to take advantage of the setekeu and pensions.

Samsung Securities, which runs from 2012 and the couple retired school education is a lifetime asset management program to engage with the couple. As well as the financial sector, real estate offers, lectures on various topics related to the design life, tax, health, hobbies, etc.

Samsung Securities President yunyongam provide retirement planning to transfer to private pension and retirement pension institute, incorporating integrated pension pension pension asset management strategy within the division have emphasized the importance of pension asset management. Samsung Securities was awarded the reserve operation and management sectors Excellent pension providers in the selected destination in the 2016 Labor and Welfare Ministry of Employment and Labor.

The program Samsung Securities customers and not even a first-come, first-served basis, anyone can participate free of charge through advance booking, more information can be found at Samsung Securities website.



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558 trillion won last year's national pension fund ... Provisional yields 4.75%

[Korea goyounghun financial newspaper reporter] 2016 national pension fund yield totaled 4.75% as provisional.

National Pension Fund Management Committee held its second meeting of year 2017 28. In the meeting, it was deliberate and resolve the pension fund and the pension fund entrusted gyeolsanan adjustments operational target range for year 2016.

According to the meeting, it details the last five years the average pension fund return of 5.07% from 2012 to 2016, while in 2007, 2016 10-year average yield totaled 5.38% as provisional.

By domestic equity asset class 5.64%, 10.13% in foreign stocks, 1.83% domestic bonds, foreign bonds 4.01%, 5.74% domestic alternative investment, alternative investment abroad showed a return of 12.34%.

By the end of 2016, pension funds net assets is 558.2991 trillion won, and the end of the year increased 512 trillion 324.1 billion won compared to 45.975 trillion won (9.0%) in 2015. The net asset value plus the increase in operating income 24.0073 trillion won to 21.9677 trillion won amount of money earned after payroll in premium income.

2016 end of the current national pension reserve funds 558.3 ​​trillion won 557.7 trillion won (99.9 percent) have been operating in the financial sector. Fund 400 billion won domestic stock 102 trillion in investment type (18.4%), foreign stocks 85.7 trillion won (15.4%), domestic debt 282.6 trillion won (50.7%), foreign bonds 23.4 trillion won (4.2%), Korea alternative investments divided by 21.9 trillion won (3.9%), alternative investments such as overseas.



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Last year, the National Pension responsible investment rating of 50 point-to-stay

[Korea goyounghun financial newspaper reporters - NPS responsible investment assessment scores last year showed that 50 remained in point.

According to 24 days for Responsible Investment advisors ESG Moneta said domestic stocks Responsible Investment evaluation indicators of environmental and social responsibility, corporate governance massive holdings of pension funds (Environmental, Social Governance, ESG) integration Score is staying in 50 point 2016 . In the third quarter of 2014 was the mid-point 60.

ESG side Moneta explained jyeotdago for the long-term, stable revenue growth of pension funds to account for responsible investment elements of the environment, society and governance, including with respect to investments made this amendment in January 2015.

But last year's corporate governance score remained without a 30-point improvement in the social responsibility rating was also pointed out that it was difficult to keep the point-to-50.

Responsible Investment is summarized by the non-financial rating ESG risks in addition to the financial risks and pursue a long-term and stable profit-oriented to a long-term investment through the exercise of shareholder rights vigorously.

ESG Moneta has analyzed the data of pension fund holdings of the top 20 domestic equity holdings and mass market capitalization of pension funds to complement the Financial Supervisory Disclosure. South Korea in terms of corporate governance were won out of 100 points based on use of the original data (Corporate Governance Service, CGS).

ESG Moneta side showed an ESG rating the companies of the B + rating or more ESG rating company points similar trend of CGS since the third quarter of 2012 to the second quarter of 2014, after the third quarter of 2014 jyeotdago reduced to a similar distribution and Class B score of CGS It explained. In the case of pension it was also flat with that recorded in the mid-50 point score increase of the corporate social responsibility (S). ESG is a point-to-side score 50 Moneta said the figures need to be improved.

ESG Moneta said, "why ESG scores of domestic stocks massive holdings of pension funds lowered is because the bulk holdings could increase in accordance with enlargement of change and funding of the ESG evaluation method of the August period dominated by nine trillion won through 2015," said "In addition has the possibility of changing investment approach and include issues such as the transition from institutions such as the exercise of voting rights, "he said.

In April 2010, it launched Moneta is responsible for ESG investment advisory, consultancy and the like, and has signed since last September 2013 and CGS business and business cooperation contracts. This year in January, announced the responsible investment index by Weiss and co epeuen.



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Yugwangyeol "longevity longer period is mandatory personal pension bill, not a blessing."

[Korea goyounghun financial newspaper reporter] yugwangyeol FSC Securities and Futures Commission Standing Committee source said: "Private pension legislation is required in difficult times longer say that the blessings of longevity."

Yugwangyeol jeungseonwi won the "need to create a long life as a blessing rather than risk" individuals in the Act enactment hearings held in Yeouido, Korea Financial Investment Association 24 days he told reporters.

Yu Commissioner period leading up to the super-aged society "Last Korea entered the year an aging society 2000, has 2026 over 65 population is 20% or more seconds will become an aged society," he said "aging society is about 70-year developed on the other hand, a mere 26 years, Korea explained that most rapidly "in the world.

In addition to the elderly poverty rate is four times the level of the OECD average of 11.6% to 48.5%.

He said, "I gotta concentrated in about 70% of Korea's national assets are real estate, there is a limit to the livelihood funding needed for retirement," he said "should establish a pension, superannuation, three-story old age security system of personal pension for them." I had mentioned.

After Korea's pension system is still not mature citizens can not receive retirement pension is the sum of the actual circumstances short of OECD recommended level of 70% to 80% a mere half of the pre-retirement income. The government will increase the rate of return on pension risk and diversify investments in order to distribute.

Meanwhile, the unitary governing system has been continued for a variety of annuity products, each governed by a batdeon banks, insurance, financial investment, eopgwon by law. The private pension law, the enactment was given the financial strength, expertise, etc. to register as a pension provider for financial institutions with certain requirements and obligations faithfully for stable management of pension assets and obligations, such as attention-ray tube.

Also provide a "personal pension account" to citizens efficiently manage a variety of private pension assets, and also introduced "one imhyeong investment annuities.

Yu Commissioner "can then strengthen the protection of pension subscribed to annuities give a constant meditation period, withdraw from the contract without the period Penalty" and "schedule seizure of pension assets to the pension guarantee of retirement part was limited, "he said.

Finally He said, "If the law is enacted citizens pension, pension savings, put a variety of products, including pension insurance in one account rate of return, you will be able to compare and managed such fees," said "freedom pensions of other financial companies it was considered a transfer to the product will be able to continue to raise the rate of return. "



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