The Era of 500 Trillion Won in Retirement Pensions… “The Yield Gap Has Widened”
NH Institute for the 100-Year Life Era Publishes Issue 127 of THE100 Report
Retirement Pension Reserves to Exceed 500 Trillion Won by the End of 2025
Overall Investment Returns in the 6% Range… Clear Disparities Among Workers
“A Long-Term Investment Strategy Is Needed from a Retirement Asset Perspective”
[Edaily Reporter Park Sun-Yeop ] NH INVESTMENT & SECURITIES(005940) The 100-Year Life Research Institute announced on the 22nd that it has published Issue No. 127 of “THE100 Report,” which covers the current state of the retirement pension market and workers’ investment practices. THE100 Report is a periodic research publication issued by NH INVESTMENT & SECURITIES’ 100-Year Life Institute, which analyzes lifetime asset management and aging trends. The theme of this issue is “What Will Happen to South Korean Workers’ Retirement Pensions in 2025?” (Photo: NH INVESTMENT & SECURITIES)
The report highlighted that domestic retirement pension assets exceeded 500 trillion won as of the end of last year. It analyzed that policy changes drove market growth in addition to natural growth factors such as the expansion of the economy and rising wages. It attributed this growth to factors such as the government’s expansion of the tax deduction limit for year-end tax settlements to encourage retirement planning through pension accounts, as well as the phased increase in the mandatory ratio requiring companies to outsource their retirement benefit liabilities to external financial institutions. Investment performance also improved. According to the report, the overall return on domestic retirement pension funds exceeded 6% in 2025. This was driven by a boom in the domestic stock market and an increase in workers’ investment in performance-based products. However, there were marked differences in performance among individual workers. It was confirmed that a significant gap had emerged in investment performance between the top 10% and bottom 10% of workers in terms of returns. As the retirement pension market grows rapidly, this suggests that subscribers’ investment strategies and product choices could lead to disparities in retirement assets. Kim Dong-ik, Director of the NH INVESTMENT & SECURITIES 100-Year Life Research Institute, said, “It is necessary to view retirement pension assets as investments intended to support one’s retirement and to make efforts to improve investment performance, such as taking a long-term perspective and showing interest in performance-based products.” THE100 Report is available on the NH INVESTMENT & SECURITIES 100-Year Life Research Institute website.
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