Last year, the yield of "defined contribution pensions", in which employees choose their own investment products, exceeded the "defined benefit pensions", which companies are responsible for managing, for the first time.
It seems that the background is the upward trend of stock prices.
According to Rating and Investment Information, Inc., a major rating agency, the investment yield of "Defined Contribution Pension", which selects products managed by employees working for the company, among the pensions that the company provides to employees in addition to the public pension, was last year. The average was 13.94%.
In contrast, the average yield of “defined benefit pensions” managed by companies was 12.96%.
This is the first time that the investment yield of defined contributions exceeds the defined benefits since the start of aggregation in FY2014.
This is because the stock price continues to rise due to the large-scale monetary easing by the central banks of each country, and the number of people who manage the defined contribution pension plan is increasing. Because.
The company that conducted the survey said, "If the ratio of stocks is high, investment may be negative in the short term, but after the stock price fell sharply due to the influence of the new coronavirus, the price continued to rise, so it is more risky. There is a tendency for more and more people to take advantage of this and increase their investment profits. "