Retirement pension reform proposed / KBS 2025.09.01.

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[Anchor]

When leaving a job, the lump sum that you get is the 'severance pay.'

Instead of receiving this lump sum all at once, what if you received it in installments like a pension? This idea is reflected in the 'retirement pension.'

It was introduced in 2005.

So, over the past 20 years, have many people switched from severance pay to retirement pensions?

About three-quarters of companies still have the severance pay system.

The reason for the low popularity of retirement pensions lies here.

6.82% versus 2.07%.

These are the average annual returns of the National Pension and retirement pension over the past 20 years.

Although they share the same name of pension, their returns are not comparable.

Ultimately, if the returns cannot be improved, it means that revitalizing retirement pensions is impossible.

The government has begun to reform the system, suggesting that retirement pensions should be changed like the National Pension.

This is a report by reporter Hwang Hyun-kyu.


[Report]

This is a small business that switched to a retirement pension three years ago.

In a company with only one finance staff member, it was challenging to consider investment options for the retirement pension.

They entrusted the management of the retirement pension to the Korea Workers' Compensation and Welfare Service and reported an average annual return of around 6%.

[Jung Gi-yong/Small Business CEO: "The existing retirement pension required us to specify each investment and manage it directly, but the Korea Workers' Compensation provides much better returns."]

The 'Blue Seed' fund.

This is a system that pools the retirement pension reserves of small businesses with fewer than 30 employees and manages that fund collectively.

Since its introduction in 2022, the returns for 2023 and 2024 have exceeded 6%.

The government plans to allow companies with fewer than 100 employees to also join the 'Blue Seed' fund.

This is expected to be implemented as early as next year.

Just as the fund management headquarters is responsible for investing the 1,200 trillion won National Pension reserves, the first step towards 'funding retirement pensions' is to entrust the approximately 400 trillion won retirement pension to professional institutions.

The ruling party's bill goes a step further.

It proposes to allow fund-type membership regardless of company size if the employee desires it.

[Jung Chang-ryul/Professor of Social Welfare at Dankook University: "How can an individual employee without investment knowledge make decisions about retirement pensions? Fund types can allow experts to increase returns while significantly boosting retirement income."]

Currently, retirement pensions invest more than 80% of their reserves in deposit-type assets.

This inevitably leads to low returns.

The government has decided to allow investments in unlisted stocks as well.

The National Pension has been doing this since 2002.

The retirement pension fund '401k,' which 60 million American workers are enrolled in, serves as a model.

While the policy to make retirement pensions 'mandatory' has been established, the timing of implementation is still undecided.

This is KBS News, Hwang Hyun-kyu.

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