<Anchor> It is a
friendly economic time.
Reporter Kim Hye-min will be with you today (18th).
Reporter Kim, today you are delivering news on assets and investments in your 40s.
<Reporter>
What do you think would be the average total assets of people in their 40s living in a big city?
<Anchor>
Recently, the price of apartments in large cities has risen so much that it is said to be over 1 billion, but not all have apartments.
<Reporter> It was
very close, but a financial company commissioned a research institute to ask 1,000 people in their 40s who live in a large city.
It was an average of 410 million won of total assets including real estate.
They answered that the average net worth excluding loans was 330 million won.
I also asked how many loans they had, an average of 80 million won, and 7 out of 10 households still had the balance to repay.
You might think that the average asset and loan size in their 40s is less than expected, but only half of the people in Seoul, where land and prices are high, are proportional to the population when surveyed.
Also, over 44% of those in their 40s do not own a home.
There may be people who have soared in their assets due to the high price of the apartment they purchased, but that was only a fraction of them.
<Anchor>
Usually, people in their 40s are now mainly responsible for the livelihood of a family.
However, it was a little difficult because of the corona, so I think the loan would have increased a bit.
<Reporter>
That's right.
One in four people in their 40s said they have received more loans since the spread of Corona 19.
I also asked people whose loans increased, 74.9%, so most of them said it was to cover the cost of living because their income decreased due to coronavirus.
Less than 10% of people each said they borrowed because they needed financial investments or real estate funds.
It is a little difficult to say that this single statistic reflects the whole situation, but it is estimated that the recent surge in loans is due to more people who have difficulty making a living than those who invest.
The government has entered into the tightening of lending in the first financial sector. If this is the case, people who need a loan will inevitably be forced to find a second financial sector with a much higher interest rate.
<Anchor>
You said you asked about the investment tendency of people in their 40s. How did it come out?
<Reporter> Since the
40s are the central axis of the household and the generation with the most income and consumption, their investment tendency is an important indicator of Korean society.
Looking at the survey, nearly 80% of those in their 40s living in large cities were making financial investments.
In the case of financial investments, deposits are excluded, and only financial assets such as stocks and funds are selected.
That's a fairly high percentage.
In addition, 45% of those in their 40s who are investing in finance said they plan to expand their investments in the future.
Also, about 1 in 10 people said that it has been less than a year since they started investing.
These people seem to have started investing at this time as the stock price has dropped significantly since the spread of Corona 19.
<Anchor>
But there seems to be a reason for making such a lot of financial investment.
<Reporter>
Yes, the biggest reason for expanding investment is that they recently cited low interest rates and answered that it is difficult to raise money without investing.
People who only put their money in their bankbooks may feel that they are behind me when they hear the people around them talking about stocks.
In particular, it is difficult to buy an apartment for a lifetime even if you collect your salaries.
So, among those in their 40s whose investment tendencies have changed recently, more than twice as many people have changed aggressively than conservatively.
For that reason, the low interest rate situation was selected the most this time, followed by the answer that it was because investment opportunities were found.
The stock price fell sharply last year due to Corona 19, and this is seen as an investment opportunity.
But recently, the stock price has risen too much.
It's time to approach it carefully rather than recklessly increasing the size of your investment.