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브레이크뉴스 문홍철 기자= 직장인에게 퇴직연금은 ‘안정적 자산’으로 인식되는 경향이 강한 것으로 조사됐다.
한국경영자총협회에 따르면 모노리서치에 의뢰해 전국의 퇴직연금 가입 직장인 1003명(응답자 기준)을 대상으로 실시한 ‘2025 직장인 퇴직연금 인식조사’ 결과, “은퇴 후 인생을 위한 ‘종잣돈’으로서 가능한 안정적으로 관리돼야 한다”는 응답이 62.8%로 가장 높았다.
“적립금의 일부는 투자를 위한 ‘여윳돈’으로 사용할 수 있다”는 응답은 30.2%, “손실 위험에도 불구하고 높은 수익률을 위해 ‘투자자금’으로 적극 활용할 수 있다”는 응답은 7.0%였다.
적립금 운용에 대한 직장인의 관심은 의외로 높게 나타났다. 적립금 운용에 “관심은 있는데, 어떻게 해야 할지 잘 모르겠다”는 응답은 57.1%, “관심이 많고, 잘 알고 있다”는 응답은 33.6%, “관심도 없고, 잘 알지도 못한다”는 응답은 9.3%였다.
적립금 운용에 관심을 갖고 있다는 응답이 90.7%에 달하는 만큼, 단지 가입자들이 무관심해서 원리금보장형으로 운용한다는 분석은 잘못된 것으로 보인다. 오히려 ‘정보 부족’ 문제 해소에 정책적 역량을 쏟는다면, 지금보다 훨씬 적극적인 적립금 운용을 기대해 볼 수 있을 것으로 추정된다.
개인적으로 선호하는 적립금 운용방법으로는 ‘안정투자형(저위험)’이 50.1%로 가장 높았고, ‘원리금보장형(초저위험)’ 22.5%, ‘중립투자형(중위험)’ 21.2%, ‘적극투자형(고위험)’ 6.2% 순이었다.
‘원리금보장형’보다 ‘안정투자형’이 두 배 이상 높게 나온 것은 지금까지 ‘위험수준’으로만 표시해 온 포트폴리오 상품 명칭을 ‘투자형태’가 드러나도록 일괄 개정(2025년 4월)한 데 따른 개선효과로 분석된다.
미래 퇴직연금 수령계획과 관련해서는 “일부는 일시금, 일부는 연금으로 받겠다”는 응답은 37.7%, “적립금 전부를 매달 연금으로 받겠다”는 응답은 32.3%, “적립금 전부를 한 번에 일시금으로 받겠다”는 응답은 30.0%였다.
퇴직연금을 일시금으로 수령할 경우 예상 사용처로는 생활비(24.9%), 주택자금(20.1%), 대출상환(17.6%), 투자자금(12.8%), 병원·요양비(11.0%), 자녀 관련 지출(10.2%), 창업(2.8%) 등이었다.
한편, 퇴직연금 가입 직장인의 대부분은 퇴직연금 외 개인 재테크 수단을 운용하는 것으로 나타났다. 별도의 재테크 수단이 “없다”는 응답은 3.0%에 불과했으며, 선호하는 재테크 수단은 예금·적금(31.9%), 주식·펀드·채권(23.5%), 보험·연금(18.0%), 금·달러(10.5%), 부동산(8.3%), 가상자산(4.8%) 순이었다.
break9874@naver.com
*아래는 위 기사를 '구글 번역'으로 번역한 영문 기사의 [전문]입니다. 구글번역'은 이해도 높이기를 위해 노력하고 있습니다. 영문 번역에 오류가 있을 수 있음을 전제로 합니다.<*The following is [the full text] of the English article translated by 'Google Translate'. 'Google Translate' is working hard to improve understanding. It is assumed that there may be errors in the English translation.>
Office workers, “Retirement pension is a stable management asset”… seed money after retirement
It was found that office workers tend to perceive retirement pensions as ‘stable assets’.
According to the Korea Employers Federation, the results of the ‘2025 Office Worker Retirement Pension Awareness Survey’ conducted by Monoresearch on 1,003 office workers nationwide (based on respondents) who have subscribed to retirement pensions showed that 62.8% responded that “it should be managed as stably as possible as ‘seed money’ for life after retirement.”
30.2% responded that “some of the savings can be used as ‘spare money’ for investment,” and 7.0% responded that “it can be actively utilized as ‘investment funds’ for high returns despite the risk of loss.”
Office workers’ interest in managing savings was surprisingly high. The response that “I am interested in savings management, but I don’t know how to do it” was 57.1%, “I am very interested and know a lot” was 33.6%, and “I am not interested and don’t know much” was 9.3%.
As the response that they are interested in savings management reached 90.7%, the analysis that they are only managing the principal and interest guarantee type because subscribers are indifferent seems to be wrong. Rather, if we focus our policy capabilities on resolving the problem of “lack of information,” we can expect much more active savings management than now.
As for the savings management method that people personally prefer, “stable investment type (low risk)” was the highest at 50.1%, followed by “principal and interest guarantee type (very low risk)” at 22.5%, “neutral investment type (medium risk)” at 21.2%, and “active investment type (high risk)” at 6.2%.
The fact that ‘Stable Investment Type’ was more than twice as high as ‘Principal and Interest Guaranteed Type’ is analyzed as an improvement effect due to the comprehensive revision (April 2025) of the portfolio product names that had been indicated only as ‘risk level’ so far to reveal the ‘investment type’.
Regarding future retirement pension plans, 37.7% responded that they would “receive some as a lump sum and some as a pension,” 32.3% responded that they would “receive all of the savings as a monthly pension,” and 30.0% responded that they would “receive all of the savings as a lump sum.”
If they receive retirement pensions as a lump sum, the expected uses were living expenses (24.9%), housing funds (20.1%), loan repayments (17.6%), investment funds (12.8%), hospital and nursing expenses (11.0%), child-related expenses (10.2%), and starting a business (2.8%).
Meanwhile, most employees who subscribe to retirement pensions were found to be operating personal financial management tools other than retirement pensions. Only 3.0% responded that they “do not have” a separate financial management tool, and the preferred financial management tools were deposits and savings (31.9%), stocks, funds, and bonds (23.5%), insurance and pensions (18.0%), gold and dollars (10.5%), real estate (8.3%), and virtual assets (4.8%).
