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.



Financial Daily Economic News FNTIMES - unauthorized reproduction for commercial purposes in accordance with the Copyright Act, No copying, distribution,
Copyright ⓒ Korea's financial newspaper & FNTIMES.com

Financial Supervisory Service, the financial year retirement plan providers inspection

[Korea goyounghun financial newspaper reporter] financial authorities should carry out checks on the year's pension plan providers. If it is found through the act and provides benefits such as special contributions unpaid history said he would take stern measures such as censure, fines imposed in accordance with the relevant laws and regulations.

The FSS announced 27 days' pension improvement measures for establishing market order. FSS has provided a large number of workers seeking retirement pension market in order to establish a pension scheme to be managed properly joined to the old year.

Thus it was laid the basis for measures to improve the operating status checks and whilst that was posed problems for the banking, life, non-life insurers are operating a retirement pension, securities firms. Prior to disclose the FSS has sales commissions and bereavement pension plan returns. Build a system that can be batch published by the finance company retirement plans and investment yield on the commission website FSS has improved so subscribers can easily compare each financial institution.

In January last year, it has built up a comprehensive information disclosure system of the operational period of the financial institutions dealing with retirement pension, compared to integrate the long-term annual average rate of return.

The end of last year, 50 companies (14 banks, life insurance companies, securities companies 15 13 companies, seven non-life insurance companies, etc.) have registered a pension providers, pension reserves has seen a growth in the size 147 trillion won. Long-term investment, consider the characteristics of the pension plan that is oriented pension plan (DB · DC · IRP) with principal and interest guaranteed, non-guaranteed principal types such as long-term (5 - 8 years) and the average annual rate of return is also disclosed.

FSS also require operators to target a retirement pension from 2015 corporate bankruptcy ever catch pay the related accrued pension status. If the reason for retirement benefit payments occurred due to bankruptcy of businesses, workers can claim direct payments to operators manage without the intervention of the user depending on the pension contract. Performance pay has paid 52.4 billion won locate the unpaid pension for the bankrupt enterprise subscribers from September 2015 to September 2016 year.

Selected by the four financial companies of the financial sector pension providers ahead of special interests such as improving the practices provided, unpaid contributions to history are missing, notify the inspection was conducted on the overall pension plan situation.

Analysis of the retirement pension business itself, checks of financial companies results this year fell short or conduct planning, theme checks on vulnerable and field, writing checks for problems Signs captured unfair trade practices complaints, tip information or constant monitoring, etc. entry commitment is also in progress.

FSS official said, "to think seriously about the actions provide gifts, golf and special interests, including economic benefits, preferential interest rates suggest that exceed ₩ 30,000".



Financial Daily Economic News FNTIMES - unauthorized reproduction for commercial purposes in accordance with the Copyright Act, No copying, distribution,
Copyright ⓒ Korea's financial newspaper & FNTIMES.com