The motive for the seat next to you is a retirement pension

You said you made a profit of 10%?

▶ ︎ Yield for each retirement pension management method

How many employees actively managed retirement pensions in 2020 10.67% yieldI did it. On the other hand, employees who put their retirement pension into a reserve or savings product had a very poor yield of 1.68%.

In the 2020 data...

The 10% yield seems low?

▶ ︎ How are you on your retirement pension

Recently, cases exceeding 15% have also occurred. Of course, it depends on the timing and method of operation, but more and more people are increasing their yield while using retirement pensions without our knowledge. Will you just move on after your retirement pension?

The thing called a retirement pension

Wasn't it just the money you get when you retire?

▶ ︎ 3-tier pension guarantee system

There is a triple pension that you must know to prepare for old age. It's a national pension, a retirement pension, and a personal pension. Of these three types, the least known pension, but one that employees must know is a “retirement pension.”

If you go to a company that applies a DC type retirement pension, you can invest with the retirement savings you have accumulated so far.

What is a retirement allowance

For the severance pay I can receive when I retire,

It's money the company earns

Workers can also use their retirement savings while they are in office. You can also invest your retirement savings in various places such as equity funds, bond-type funds, domestic ETFs, foreign ETFs, and deposits.

This system is already active in the US. In 2020, there was a significant increase in the number of millionaires in the US due to the retirement pension system represented by 401K.

After the downturn due to COVID-19, they made big profits by actively investing in retirement savings amid a booming stock market.

So right now,

I need to study retirement pensions

▶ ︎ Status of retirement pension reserves

Retirement pensions, now you need to know! A retirement pension is an old age fund that you unknowingly accumulate during your working life. Depending on how you manage it, after 10, 20, or 30 years, your money for old age will show a huge difference.

※ Why should I start studying for a retirement pension now?

① The magic of benefits created by long-term investment

▶ ︎ Yield based on investment period

• If you're interested in investing, you've probably heard of “The Magic of Compounding” at least once. It refers to a phenomenon where the investment principal increases rapidly as interest is attached not only to the principal but also to the interest.

• The compound effect is maximized as the investment period increases. If you study retirement pensions early and actively manage them, you will be able to raise sufficient funds for old age more quickly.

② Mandatory introduction of retirement pensions for all companies from 2022

• Right now, starting next year, all companies must introduce mandatory retirement pensions. From 2022, even if the company has only one employee, the company must apply the retirement pension system.

• The financial sector is already sharpening their swords to enter the growing retirement pension market. Studying retirement pensions is essential if you want to manage your old age funds with a strategy that suits you without being swayed by aggressive marketing!

In this class

What will I learn?

In this class, you'll learn:

① Mind-setting to prepare for old age

② A realistic amount of money required for old age

③ Simulation of old age funds that I don't have enough

④ The concept of pension (national pension, retirement pension, personal pension)

⑤ How to manage a retirement pension for a leisurely old age

⑥ How to save taxes with a pension

▶ ︎ How much severance pay can I get?

For this class Apity and Iruda Investor Day have specially created a 'Retirement Pension Simulation'. You can also calculate the amount of your retirement pension benefits through simulation and make a pension management plan. I'll teach you more about how to use simulation in class!

I'll tell you about the retirement pension

This is Park Jin-young of Apity:)

Hello, I'm Park Jin-young, CEO of APT, who sends financial economics content to around 200,000 subscribers through the daily economics newsletter 'Money Letter' and YouTube channel 'UPPITY'.

The average life expectancy is getting longer, and new types of families, such as unmarried and cohabitation, are increasing. More and more people are building careers through turnover or creating various income pipelines rather than having a lifelong job.

As this uncertainty grows, “economic strength” becomes more important. If you can earn money with your own strength, protect that money, and be called in, you can stand up proudly without getting frustrated in any situation.

In particular, the economic power of old age is even more important. Unlike now, the chances of making money through work are reduced. Therefore, many people emphasize “preparing for old age.”

That's why we need to study for a pension. The best way to prepare for old age is to clearly understand the concept and management method of pension on your own and use it according to your own standards and goals.

It's okay if you don't know the “kite” of your pension. From basic concepts of pensions to methods for managing pensions. Like Apity, I'll let you know in the easiest and most fun way in the world.

Just invest 4 hours! The “way to prepare for old age”, which seemed vague, will be more clearly visible. We'll meet you in class. Thank you