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 /濵
  Ű ڳ Economy
  2014 09
  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


ΰ 10 ´ Į . Ѵٴ Ǵܿ. ϴ 򰡰 ַ ذؾ ʴٴ ǰߵ .

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 (2014-09)
            翡 Ͽ, ۱ǹ ȣ , , մϴ.


 

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