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This is a corner full of useful information for your life.
Let's start with a friendly economy.
Reporter Kim Hye-min is also here today (4th).
Reporter Kim Today is a pension story.
In particular, today's story was recently told about the year-end settlement, and the expected amount to be returned is a bit small, so it would be good if these people listen in detail.
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Yes, there are those who paid less or had to pay more after the year-end settlement.
If you want to increase your refund next year, it's a good idea to pay attention to your pension.
This is because the government gives a lot of tax incentives to induce people to join pensions for a stable retirement. There are many types of pensions and they are complex.
There are two good products for tax reduction: pension savings and IRP.
If you sign up for these products before the end of the year, you can receive up to 16.5% tax benefit on year-end settlement the following year.
When you turn 55, you will receive a pension from this point, and you only have to pay up to 5.5% of your tax.
There is also an effect of'decent taxation'.
This means that your profits are compounded by allowing you to reinvest the money you owed right now with taxes.
Instead, it is important to remember that if you terminate before age 55, you will have to vomit all the refunded taxes.
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I just said, there are so many types of pensions.
Then, where and how much is this to see the tax saving effect a little?
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Different pension types have different tax credit limits.
I heard advice from experts myself, and although each was slightly different, there were many opinions that it is better to pay 4 million won to pension savings and 3 million won to IRP each year.
Each person can receive a maximum tax credit of 7 million won per year.
Among these, pension savings can only be deducted up to 4 million won.
The reason why pension savings are paid as much as possible is that IRPs have higher fees than pension savings, and there is also such a limitation that you must invest 30% or more in safe assets.
There are some exceptions based on income or age. If your annual income exceeds 120 million won, the tax credit limit for pension savings is reduced to 3 million won.
For these people, it would be better to pay 3 million won in pension savings and 4 million won in IRP.
In addition, for those over 50, the tax credit limit per person is increased to 9 million won and pension savings can be paid up to 6 million won.
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Reporter Kim, and when we sign up for a pension, we have to decide whether to invest the money I paid in stocks or deposits.
This was very difficult, what would you like to do?
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Among pension savings, those who have subscribed to the fund and those who have joined the IRP must also select the product to be managed.
At first, I didn't know anything, so I just signed up for something that the bank recommended, and I barely made any profits.
But there are so many people like me.
IRP For example, even though stocks rose significantly last year, 73% of the total was subscribed to simple principal security products such as term deposits.
That means three-quarters of all accounts that don't have a performance dividend product such as equity funds.
It is said that you can change any product you already have.
It is important to build an active portfolio based on your situation and your tendencies, but consider whether your tendencies are aggressive or stable.
You should also consider your age.
You can take risks when you're young, but it's harder to recover your losses as you get older.
Experts said that it is not advisable to make aggressive investments now because the stock market has already risen significantly.
He also advised that as long-term investments are required, it is important to distribute risks by evenly storing multiple products.
Lastly, you must also consider whether the rate of return taken by the brokerage company is too high.
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For those who are enrolled in a pension like this, it would be a good idea to go ahead and check it out today to see where and how my pension is being operated.
But wanting to save a little tax like this is a basic mind in a way.
So, is there another way?
If there is, please introduce me.
<Reporter> There is an
ISA, although this is also small, it has a tax-free effect.
The conditions have eased a lot from this year.
Anyone over 19 can join.
You don't have to wait until the age of 55 and you only need to fill the mandatory payment period of 3 years.
You can pay up to 20 million won per year.
There are tax-free benefits up to 2 million won of profit.
Only the profits exceeding this need to pay a separate tax of 9.9%.
Taxes are paid all at once at account expiration, but regular funds pay taxes according to the percentage when they make a profit, but they don't even return the tax paid for losing money.
By the way, ISA adds up the profits and losses incurred on the account during the subscription period, and if there is a profit, it only takes the tax for that profit.
In addition, ISA can open an account only in one location, but each bank and brokerage company have different types of products.
It is better to sign up after deciding which product you will invest in and for what purpose you will use it.