[딜사이트 범찬희 기자] The asset that the MZ generation (born in the early 1980s to the early 2000s) is most interested in as a pension investment method is the ETF (Exchange Index Fund). In addition, it was found that 6 out of 10 MZ generations do not know about the default option (pre-designated control system).
According to the ‘MZ Generation Pension System Perception Survey’ report published by Kiwoom Investment Asset Management on the 2nd, those in their 20s and 30s thought 70.2% were low compared to the average return on a retirement pension for the last 5 years, which is ‘1.96%’. As a result, 51.8% of respondents said there is a need to increase dividend paying investments in order to increase retirement pension returns.
ETFs accounted for the highest ratio, at 52.0% of assets interested in investing in retirement pensions and personal pensions. It is evaluated that the tendency to secure retirement funds through the active management of a private pension has been revealed.
Opinions were high (53.6%) on the National Pension reform bill, ‘National Pension Insurance Premium Rate Increase’. This was followed by agreeing (24.3%) and not sure (22.1%). Regarding the ‘increase in the age for receiving benefits’ the percentage of people who were in favor of ▲agree (46.3%) ▲oppose (40.8%) and ▲don’t know (12.9%) was counted high .
In terms of introducing the default option for retirement pension, the majority (59.6%) answered that they did not know. The most common reason for this was ‘there was no opportunity to hear an explanation’ (63.0%). It was found that there is a preference for a low risk product or a medium risk product that includes a principal guarantee and a type of interest guarantee, mainly choosing a ‘product that includes a principal and a type of interest guarantee (term deposit, etc.) + dividend type performance (fund)’ as the desired yield for a default option exercise.
This survey was carried out jointly by MZ Kiwoom Investment Asset Management’s generation pension letters ‘Alchemist’, ‘Maeil Economy’, and economic newsletter ‘Affity’. It was held for a week from April 25th to May 1st. A total of 3179 people participated, and among them, 2778 respondents in their 20s and 30s were analyzed for the results.
Kim Hye-na, head of Kiwoom Investment & Asset Management, said, “As a result of this survey, we found that people in their 20s and 30s are willing to invest more actively in retirement pension and manage personal pensions by using performance- Dividend based funds and ETFs to secure pension funds.” . “There is still a need for adequate education and prior guidance on default options,” he added.
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