[SBS Lee Cheol-hee's Political Show] <Public Opinion 123> Seeing the World through Numbers

■ Broadcast: SBS Lee Cheol-hee's Political Show (FM 103.5 MHz 9:05 ~ 11:00)

■ Progress: Lee Cheol-hee, Director of Knowledge Design Research Institute

■ Broadcasting Date: 2021 February 19 (Fri), 2011

■ Cast: Hae-sung Park, CEO of TV Ridge,



, no temptation' What kind of investigation?

Hana Financial Group has published'Lifetime Financial Report-How to Live in Korea's 40s.'

An online survey was conducted in November of last year with 1,000 income earners in their 40s residing in Seoul and four major metropolitan cities.

You may be wondering why they are in their 40s, but the report said, "Amid the rapid change in the wealth management landscape due to the coronavirus recently, interest in financial investment has increased among those in their 40s, which is the central axis of our economy and households. I looked at the change of mind.”

What is the average asset size of Korean income earners in their 40s?

Total assets averaged 410 million won.

Total assets include cash, real estate, and stocks, as well as assets obtained from loans.

It is characterized by a large gap in assets held. More than half of the respondents, 52%, had total assets of'less than 300 million won' and 12% were'more than 1 billion won'.

In addition, it was found that the average size of financial assets held by those in their 40s was 70 million.

Looking at the distribution of financial assets they own, more than half (58%) of all financial assets in their 40s were deposits and savings, followed by savings insurance (19%), stocks (16%), and other financial investments (7%). Was.

Debt is also called an asset, but how is the status of loans?

It was surveyed that those in their 40s received an average of 80 million won in loans, and more than half (53%) of the survey subjects answered that they were loans related to housing, such as mortgage loans.

Of the people who borrowed money from financial institutions, 38% said the scale of loans increased due to the spread of Corona 19.

The majority (74.9%) of those who have increased their loans said that'after Corona 19, their income decreased and they increased their loans to cover the scarce living expenses.'

The proportion of loans increased for financial investment funds was 10%, and the proportion of loans increased due to the need for real estate trading funds was 10%.

It is a difficult time to live with only salary.


the position on how to invest in financial investment in the future for those in their 40s


also been


In the future, the money in the 40s is likely to shift further to investment.

Of those in their 40s, 78% were financial investors who already owned stocks, bonds and funds, and more than half (57%) of them said they plan to increase their financial investment.

Even if they are not financial investors, 61% said that they will start investing if conditions allow, such as when the lack of funds, time, and information is resolved.

Of the financial investors, 44% have expanded their investments in the last 1-2 years, and 15.0% said they started investing for the first time in the last year, and the Donghak Ant Movement is also confirmed in the indicators of this survey.

When asked the reason for expanding financial investment, the most common answers were'as the low interest rate persists' and'because it becomes difficult to make money if you don't invest'.

However, despite recent investment movements, the majority of investors were less willing to accept investment losses. One in two (54.5%) responded that they still want to'preserve the investment capital' or can afford a loss of'less than -5%'. And only 15.8% of aggressive investors were willing to allow'-10% or more' losses.