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Now, let's look at the second keyword. Retirement pension investment limit of 100%. How should we efficiently manage the pension received upon retirement? Many people are using ETFs these days, and it seems there are quite a few products advertised with this specific keyword. However, the Financial Supervisory Service has emphasized specific guidelines regarding this.
Yes, that's correct. The Financial Supervisory Service issued a warning, noting that a 100%investment limit could be mistaken for a 100%principal guarantee. If we look at the current data from the Financial Supervisory Service. As of the first half of 2024, retirement pension reserves reached 558 trillion won, with 99.8 trillion won invested in ETFs.
If you look at this. That is an 11-fold increase in just two years. The problem is that some products advertise a 100%investment limit without displaying the risk rating. I believe they announced these guidelines because of such issues. Yes. At a glance, since it says 100%, one might think it's as safe as a savings account, so it's fine to put everything in.
It can be interpreted in that way. What exactly does this mean? The investment limit is. It shows how much of your pension account you are allowed to invest. Therefore, you should not misunderstand a 100%investment limit as meaning the risk is low. There is a separate risk rating system that shows how risky an investment actually is.
This risk rating ranges from grade 1 to grade 6. Naturally, grade 1 is the highest risk. Grade 6 is considered the lowest risk, and here is what is important. These ratings are reset every three years. The risk rating is updated after observing how the pension has performed and how the investments have fared in the meantime; a prime example is the 30 -year Treasury Bond Active ETF.
It was grade 5 when first established, but over time, it changed to grade 3. I advise that you should check the risk rating. Yes. If the rating changes significantly , it seems like a response might be necessary, so is there an easy way for us to check this frequently? Yes. That is correct. It is very important to check the detailed product page for the ETF you have invested in.
Another thing is to visit the asset manager's website. They have a prospectus for that ETF. If you go in there. The investment risk rating is consistently displayed. Checking this is very important, and I will say it again, this risk rating is. Since it's reset every three years, you might have been a risk level 5 when you first signed up.
Don't just rely on that ; it's very important to keep checking your status. Lastly, the system is also changing. Starting next January, the system will be updated so that investment limits and risk levels are displayed on ETF trading and product screens. Therefore, you should look at these and verify your information.
So, you should also check your contribution management status report. Yes. Kwon Hyuk-joong, economic commentator, thank you for your insights today. Thank you. Yes. Thank you.
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