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ڰ ˾ƾ ϴ 10 ǻ
- û, 2012. 8 -
1 |
ݻ(ȸ) Ȩ 湮غ! |
ݻ Ȩ Ȯ?? ֽϴ.
- ȸ - ǰ(, ݵ, ) ͷ Ȯ - ǰ (ں, ż․ŵ ) - û |
վȳ(http://pension.fss.or.kr) 'ݻ Ȩ ּ' Ȯ ֽϴ.
2 |
(DBDC) 1 ּ ǹԴϴ. |
ڰ ݻڿ Ź , ݻڰ ǽմϴ.
(å), ¶, (湮) ǽõǸ, ȿ ؼ (湮) ϰ ֽϴ.
ٷ Ǹ (ȸ) Ǵ ݻڿ û !
3 |
1 ̳ ϰų ߵ ϴ ᰡ ΰ ֽϴ. |
ݻڿ 1 ̻ 쿡 ΰ ʽϴ.
- : ٸ ݻڷ ϴ
- ߵ: ݰ ϴ
- : , (100,000), (1.0%)
ݻ ༭ ڻ༭ Ȯ մϴ.
4 |
ݺǰ ǰ ϰ Ǹ ϴ. |
* ݺǰ̶? ݰ ڸ ϴ ǰ , ݺELS, |
ݺǰ ǰ (1,2 ) ݸ Ȯ Ȯմϴ.
ǰ ϴ ݸ ߵ ް Ǵ ǰ ʿմϴ.
5 |
Ȥ ڵǰ* ڵǰ ֳ? |
* ڵǰ̶? ڰ ǰ ʾ , ڵ ڵǴ ǰ(ַ ݺ ǰ) |
Ȯ(DB) ڰ ǰ ϰ, Ȯ(DC) IRA ٷڰ ǰ մϴ.
Ǵ ٷڰ ǰ , ݻڴ ͷ ڵǰ մϴ.
ڵǰ ڵǰ ִ ο ڵǰ ͷ ȮϿ ڻ ϰ ϼ!
6 |
IRA , ̿ ȿ ΰ? |
IRA ȸ Ǵ ÿ Ͻñ ϴ Դϴ.
IRA ϸ Ͻñݿ Ͽ ΰϴ ҵ漼 ϴ Ϳ Ͽ ڼҵ漼 ΰ ʰ, ¿ ݼҵ漼( ) Ǵ ҵ漼(Ͻñ ) մϴ. ̸ ̿ȿ մϴ.
̿ ޱ ؼ 60 ̳ 80% ̻ Ͽ մϴ.
7 |
Ǵ Ͻñ ϴ ΰ? |
Ǵ Ͻñ ϴ.
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Ȯ(DB) |
Ȯ(DC) |
(IRA) |
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IRA |
IRA |
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- : 55 ̻ - ԱⰣ : 10 ̻* - ݼ : 5 ̻ |
- : 55 ̻ - ݼ : 5 ̻
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Ͻñ |
- ݼ - Ͻñ ϴ |
- 55 ̻ Ͻñ ϴ |
* ٷαⰣ Ͽ ݿ , ٷαⰣ ջϿ 10 ̻ ϸ ˴ϴ.
8 |
, dz? |
: ռҵ濡 ԵǾ ˴ϴ. , ݼҵ(ο, ο ) 600 ش ݼҵ濡 ݼҵ漼(5.5%, ֹμ ) ϰ и ֽϴ.
Ͻñ : ҵ濡 شǾ ռҵ з˴ϴ. Ͻñ ɾ (40%, 2012 ) ټӳ ټӳ *Ͽ մϴ.
* (п¹)? ǥ ټӳ ڿ ݾ شϴ [(ǥء ټӳ) ] ټӳ |
9 |
DC ٷڰ ߰ δϴ , ջϿ 400 ѵ ҵ մϴ. |
* ̶? Ưѹ ǰ , , ǻ, ü, ݰ Ǹ |
б⺰ ѵ 300 ѵǾ Ƿ 400 ٴ ϼ.
10 |
'12.7.26 ȭǴ ֳ? |
* ٷ ('12.7.26 ) ֿ 泻 ϴ.
1 |
Ȯ(DB) Ȯ(DC) |
DB DCδ ȯ Ͽ, DC DB ȯ ʾҽϴ.
Ŀ ٷں DB DC, 2 ÿ ֽϴ. (, 忡 ϰ ϴ.)
2 |
Ȯ(DB) , (IRP) ߰ |
DC ڴ ϰ ߰ , DB ڵ ߰ ϴ.
ڿڴ 2017.8 űԷ ֽϴ.
DB DC ߰ Ա ջϿ 400 ѵ ҵ˴ϴ. ( ѵ 1õ 2鸸)
3 |
系 ݿ Ͽ ߰ |
߰ ο ѵ˴ϴ.
ȿ ߰ϰ ϴ ñ Ư Ͽ մϴ.
ü ٷɡ 뿡 Դϴ.
<> ߰ (「ٷ」 Թ) 繫 ٷڰ ϰų Ǵ δϴ ٷ Ǵ ξ簡 ・λ 6 ̻ ϴ ٷڰ ȸ ްų Ļ꼱 ӱ ũ ǽϴ |
̷а ǹ ο âϴ |
ȸ |
ȣ> |
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Ǿȳ Tel. 02 - 2234 - 0760 Fax. 02 - 6442 - 0760
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