엔트리EOS 파워볼뉴스]] 스피트키노사다리 # 파워볼 가상배팅 사이트 다운
엔트리EOS 파워볼뉴스]] 스피트키노사다리 # 파워볼 가상배팅 사이트 다운
어쨌든 위험자산 동행복권 파워볼 60% 중에서 선진국 펀드 20%, 이머징 펀드 20%,
대안투자 20% 이렇게 eos파워볼 하고 안전자산 40%는 국내채권 20%,
선진국 채권 20% …
이 정도로 구성하시면 일단 무난한 포트폴리오는 짤 수 있습니다.
이 비중에서 본인의 투자성향에 따라서 위험자산과 안전자산의 비중을
조절하면 되겠습니다.
개인 연금저축펀드 추천받기 전 전체적인 재무 포트폴리오를 짜자.
연.금.저.축.펀.드는 초장기 금융상품입니다.
물론 펀드이기 때문에 일시 중지도 가능합니다.
또한 여유자금이 부족하다면 중도인출도 가능하죠
세액공제가 된다는 장점 때문에 일단 가입하고 보는 것보다는 전체적인
나의 재무 포트폴리오 안에서 고민해 보기를 추천드립니다.
④ 단기, 중기, 장기의 비율도 체크하고
⑤ 절세 효과를 잘 누리는지 체크하고
⑥ 미래의 필요자금도 미리 체크합니다.
이러한 과정을 걸쳐서 나만의 재무플랜을 짜고 그 안에서 연-금 포트폴리오도 짜기를
추천드립니다.
올해 7월 말에 개인연금(연금저축펀드)과 퇴직연금IRP 계좌를 신규로 개설하고
EFT를 통해 자산배분하여 투자하고 있습니다.
세액공제가 되는 한도까지만 불입하여 운영하다 보니 포트폴리오를
구성한 금액이 지금은 아주 적은 금액이지만 투자 기록용으로 남기는 월말 결산입니다.
연금자산 총괄 현황
9월에 개인연금과 퇴직연금IRP 계좌가 평가손실이 되었었는데 다시 평가손익으로 돌아섰습니다.
올해 처음 개설하고 세액공제를 위한 금액만 불입하여 규모가 워낙 작아서
금액으로는 큰 의미는 없지만요.
퇴직연금IRP (증권사)
마법의 연금 굴리기 중립형 포트폴리오 참고도서 <마법의 연금 굴리기>
개인연금과 비슷한 수준의 수익입니다. 마찬가지로 별도 리밸런싱은 하지 않았습니다.
퇴직연금IRP (보험사) 납입원금 : 26,750,000원/평가금액 : 28,654,153원
재직 중인 회사에서 연말정산 세액공제 목적으로 매달 25만원씩 불입해왔습니다.
추가납입을 멈춘 상태로 원리금보장형으로 유지 중이고,
추후 증권사 퇴직연금IRP 이전을 고민하고 있습니다.
연금보험
납입원금 : 14,700,000원/평가금액 : 15,128,749원
10월 추가납입 20만원(개인부담 10만원, 회사복리후생 10만원).
퇴직연금 (DB형) 예상퇴직급여액 : 36,817,132원
근속 만 6년 기준
DB형은 근속연수에 연동해서 금액이 올라가니 1년에 한 번 예상금액을 조정해 주면 됩니다.
만 7년으로 바뀔 때까지 2개월 남았네요.
연금저축보험과 연금저축신탁은 자주 들어보았으나 연금저축펀드는 낯설것이다.
최근 방송 또는 유튜브를 통해 메리츠종금증권의 존리 대표가 연금저축펀드의 중요성을
끊임없이 강조함에 따라 많은 사람들이 관심을 갖기 시작했는데
지금부터 연금저축펀드에 대해 자세히 알아보도록 하겠다.
연금저축펀드는 무엇인가?
국민연금 만으로는 노후생활을 책임지기 어렵다는 것은 다 아는 사실이다.
이러한 상황 속에서 개인연금의 중요성은 점차 높아지고 있다.
개인연금의 종류는 보험사를 통해 가입하는 연금저축보험과 은행을 통해
가입하는 연금저축신탁이 있다. 그리고 지금부터 소개할 연금저축펀드는 증권사 또는
자산 운용사에게 일정 기간 돈을 납입한 후 연금 형태로 지급받는 펀드다.
2018년 금융감독원이 발표한 자료에 따르면 2001년에 가입하여 2017년에
납입 완료한 연금저축의 수익률을 비교하였는데, 높은 순서대로 나열하면
연금저축펀드 6.32%/생명보험 4.11%/손해보험 3.87%/은행예적금 3.10%
연금저축펀드 세액공제
연금저축펀드의 큰 장점 중 하나는 세액공제 혜택이다.
세액공제 혜택은 급여의 총액에 따라 세액공제한도가 다르다.
위 표에 따르면 연봉이 5,500만 원이 되지 않는 직장인은 연금저축펀드
세액공제학도액인 년 400만원(월 32만원) 납입했을 경우,
16.5%의 세액공제율을 적용받아 66만원의 세액 공제를 받을 수 있다.
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