ϱ ̴
100 ô밡 ູ ƴ ִ. غ źź ϴٸ̶ .
ѱ νϱ ¦ . ֱ Z Ұ ǥ 100 56̾. 繫, ǰ, Ȱ Ŀ κ Ư 繫 ξ ߴ.
ѱ غ µ 3 ϳ ̴. ֿ ͷ 3%, Ḧ ͷ 1~2%. 1.3% · ϸ Ҿ ̴. ü ִ ο 4.2% Ͱ ̴. 忡 Ű (?) 뿡 = ǡ̶ ŸƲ ó.
ΰ ڴʰԳ ֵ , ÿ å ʿϴٴ Ҹ .
ڱ
2040 3 1 65 OECD 3 Ѿ
㲿 οݿ ݵ Ҿȡ Ǯ
մå ũ . ù°, Ρ . 300 ̻ 2016 ǹȭѴ. 2018 100 ̻, 2020 30 ̻ ǹؾ Ѵ. Է 91% ϴ ݸ, ұ 14~15% ӹ ִ ġ. ǹ Ȯ ұ ٷ ĸ ìڴٴ ǵ .
°, ڻ մ. ٷڰ ִ Ȯ(DB) ƴϸ Ȯ(DC)̴. DB ϰ Ȯȴ. DC ٷ å Ʒ ȴ. ݱ DB ڻ 70% ־ DC 40% ѵƴ. DB ؾ ϱ ڻ꿡 ս ٷڰ δ . ݸ DC ϰ ٷ ɾ پ İ Ҿٴ Ǵܿ ڻ .
δ DC DB ϰ 70% ̴. ̷ ϸ 簡 ó 衤 ƴ 衤 ϴ ȿ ִ. ȸ ڴ DC ٷڴ ڽ ִ ִµ, ġ ϰ ִٴ ȭϱ ߴ١ .
ڻ ɷ¿ ذ ִµ ΰ ٲ ѹα ȭ ӵ ͷ ̴.
츮 65 α 2018 14% 2040 32% þ. 3 1 65 ̻ Ǵ ̴. κ ٴ . OECD(°߱ⱸ) 2009 ѱ κ 45%. OECD (13%) , ̱(24%), Ϻ(22%), ȣ(27%) 2迡 Ѵ. ݸ ҵ üϱ ̴. 40 ο ҵü 2008 50% ư, ̸ 2028̸ 40% .
Ȳ ̷ ٴ Ѵ ص ݿ Ȳ ȴ. ǿ DB 20 2б ͷ 0.73~0.93% 0%뿴. ֿ ȸ ͷ 2.8% ӹ. 迵 ѱ ڱ ȸ翡 ϴ Ḧ ͷ 1~2% Ұϰ, · 1.3% ϸ ⿹̳ ä ͷ ģ١ .
̷ ͷ ū ġ ַ Ʊ ̴. DB ü 70% ϴµ 衤 ݺ ǰ 97% ȴ. ȸ簡 ¿ ݿ ͷ ̷ ʴ ſ̴. ٷڰ ִ DC ݺ ǰ 79%. 40% ̻ ڻ꿡 Ѵٴ Բ ٷ ġߴ.
ǻ ڴ 2008 Ϻ ݵ ͷ 丷 ڵ Ƽ ִ١ ⿹ݸ ͷ ĸ Ѵٴ Ҽ̶ ߴ.
Ǯ Ҿٴ Ϻ ǰ
谨ޱǺ ġ ʿ
Ϻο ڻ Ǯ Ҿ ִٰ Ѵ. ȭ ⺻ ´ ̳ ġ ٷ ĻȰ ִٴ ̴. ַ ʰ 2012 Ϻ ݿȸ AIJڹ̴. ȸ ִ 240% ϰڴٴ 2000 ̄( 2) ̸ ڱ ̰ νϰ ȴ. ̷ ʿ ұϰ ȭ ū Ʋ ϵ پ ǰ , , Ź å ȭ, ޱ ȣġ å ۿ ּȭ϶ .
̱ Ÿ굥Ʈݵ(Target Date Fund) ġũ ʴ. ̱ε ϴ ǥݵ ̱ ٷ 70% ߴ. ݵ ٷ ¥ ϴµ, 20~30 ֽ ߱Ѵ. ͷ и ȸ ȸ ֱ ̴. 40 ķ ä ڻ ø. ݵ忡 ̱ ٷ ͷ 6%.
¸ ϴ ؾ Ѵ. ࡤ 54 簡 ϰ 54 Ǵ ڸ Ѵ. 迭糪 ִ ɰϴ. 6 53%. ش 6 쿡 Ҽӵ ZHMCǰ ϴ , , 츮, ̴. ϴ Ưѡ ϱ ƴ. ߿ ִ 400 ڰ ϴ ǰ 10 ܴ. ݵ带 ʰ ݵ Ȱ ݵ带 ̸ ٿ ǸѴ. ̷ ǰ ʴ ս ݺ ġϴ 翬.
ǽ 迬 ȭ Ǯִ Źڰ ߱ Ǽ Ģ ǰ ϵ å ؾ Ѵ١ ս ޱ ȣ ִ 輺 ġ δ ͵ ʿϴ١ ߴ.
ڻ ȭǸ ں Բ ٷڿ ̵ ɼ ũ. ּ ͷ ϴ ǰ ڿ ġ õ ̴.
ȣ 濵а ̴.
ñ
Q. Ͻñ ̳ ߰ ǰ?
A. Ͻñ ϴ. ڼҵ漼(15.4%) ɾ پ ִ. ҵ ϵ ϱ ؼ. ٸ ̳ ڳ , ȥ ϴ 쿣 Ͻñ ִ. ߰ Ģ Ұϸ ̳ , Ļ, õ 쿡 ȴ.
ñ
Q.ݻ Ļϸ ް Ǵ ƴѰ?
A. , ٸ ǰ ܾ Ը ջ 5000 ȣ() ޱ ȣ Ȳ̴. δ ޱ ȭ ںȣ , ٸ ǰ ݸ δ 5000 ȣ ѵ ̴. 1δ 1500 ̴. ݻ Ŀ ȣ ѵ 5000 ̻ ÷ Ѵٴ ǰ̴.
[ó] Ű ڳ Economy
翡 Ͽ, ۱ǹ ȣ , մϴ.