Hello, this is pension doctor Youngju. Today, I will talk about the National Pension. Among the questions that come up about the National Pension, many ask how much National Pension voluntary contributors should pay. How much should they pay monthly, is it better to pay 100,000 won or 200,000 won? There are people who ask questions in this regard. Understanding the system of the National Pension will help you use your contributions most effectively. For those who are employed, you don't need to worry about paying into the National Pension as it is automatically deducted from your salary. However, for voluntary contributors, especially for those who are self-employed, you can adjust the amount you pay, so paying the right amount efficiently will help you receive benefits in the future.

Now, let's take a look at what is the most appropriate amount to contribute to the National Pension. Do you know the basic principle of the National Pension? The National Pension is fundamentally a pension that redistributes income. Unlike private pensions, where you receive as much as you contribute, if a person who paid 100,000 won receives 100,000 won in retirement, with the National Pension, that person who paid 100,000 won will receive 200,000 won. Those who contribute 500,000 won will receive 500,000 won. It increases proportionally, so those who contribute more receive more, and those who contribute less receive less in the same proportion. However, the National Pension does not work that way. It plays a role in redistributing income, so it is structured to distribute more to those who have earned more and less to those who have earned less. Of course, the more you contribute, the more it increases little by little. If you contribute a lot, it increases significantly.

In cases where income is high, education tends to be lower. Therefore, it is important to keep in mind that the National Pension is about income redistribution. Just because you earn a lot doesn't necessarily mean it's always good. There is an optimal range to consider. So, what amount would be most efficient to pay? If you pay too little, of course, the pension benefits will be low, but on the other hand, if you pay too much, although the pension amount will increase, the effectiveness of preparation may decrease. To understand this, you can refer to the pension estimated collection available on the website. Depending on your monthly income, the insurance premium you pay is fixed at 9%. Therefore, for those with a monthly income of 300,000 won, the monthly insurance premium is 27,000 won.

Next, for those who have a monthly salary of 200 million won, the monthly insurance premium is 180,000 won. And for those in the highest bracket, which is 4,866,000 won or more, they also pay the same amount. Those paying 4,866,000 won per month also pay an additional 9%, which is 437,400 won. This would be the highest contribution amount for the National Pension in Korea. The pension amount you receive varies depending on how many years you have been a member. Looking at the pension amounts, those in the lowest income bracket pay a monthly premium of 27,900 won and will receive 143,000 won in pension until they pass away. This is because they have paid a total of 27,900 won per month for ten years, which is a unit of 100 million won. They will pay a total of 335 won. However, on average, this person will receive a pension for about 20 years.

From the age of 65 to 80, when you think about receiving a pension based on the average life expectancy, basically, the total amount called 100,000 won is received, which means you will receive 3,447 won. So, in my case, even though I paid a total amount of 335 million won, I receive 3.4 billion won. The refund rate is a whopping 1,000%. You receive back the difference in the money you paid. For those who have contributed within the minimum income, even though the pension amount is relatively small, they receive about 6 times more than the money they paid. This is also the case if you pay for 20 years, and even with 36 payments, although it decreases slightly, it is almost 700%, up to 7 times. However, as you can see from this, it gradually decreases. So, as income increases, ultimately, from a certain level, it starts to decrease. Even if it goes up by just 600,000 won, it will be cut in half.

So, generally, the current ranking of those who pay the National Pension in Korea is about 12.5 million won. Here, you can see it's around 1,202,19%. So, on average, you can consider receiving about 1.3 times the amount you paid into the National Pension. Also, if you continue to the end, the people who pay the most in Korea receive a pension of 52.49 million won, but the planned amount to receive is 90 million won, so they will receive about 1.7 times or 170% of the amount they paid. By paying less, you may increase the ratio, but in reality, the amount is small. Paying more means you receive more, but the ratio decreases. So, generally, when you join, the recommended income range is between 200 to 250 million won, where you can receive about 1.3 to 1.5 times the amount you paid. Those who decide on a 200 million won income will receive around 18 million won.

Around 200 to 250 million won, the average amount paid for a monthly insurance premium is between 200,000 to 220,000 won within the 9th percentile. By doing so, you can receive around 2.3 to 2.5 times the pension compared to the premium paid. It is not a bad deal in that order, and the amount is not insufficient. Therefore, this range would be the best for the general public to join. If you look closely here, there is also a message. If you look closely, you can see the number 3000 here, representing the total payment amount. If you declare to pay 300 million won per month, an elderly person should pay a total of 324.1 million won over ten years, paying 27 million won each time. If you calculate it, each person will receive 284,000 won per day. If you assume receiving it for 20 years, you will receive a total of 6.8 billion won, which is about twice the principal amount. However, there is also 324.2 here, which means that you can pay half, 150 million won, rather than 300 million won.

And you've been paying for 20 years anyway, you've paid 27,000 won a month for 10 years, which is half of 27, so the amount I paid for 20 years is the same. In fact, I paid first and he is paying late. So, ultimately, paying late is much more advantageous. If you look at the example, it's the same for 20 years, and how much is the monthly pension amount? It's 9,660 won, changing the principal and interest three times. By increasing the amount to 270,000 won, reducing it by half compared to paying it within 10 years, the amount paid over 20 years is the same, but the pension amount is not double but almost triple. It means it increases by almost 100%. Shall I show you? Look at the 30-year answer. I declared it as 1 million won and made a hole every month. I did this for 30 years. Then, it was the same amount again.

I've patterned the amount of 2.4 million won. But how much will I receive outside? I will receive 4 times the 388% of 1.256 million won, which is 100 million won. The money coming out of pocket 4 is the same. On the contrary, the first one goes out quickly, so I bear more burden. The last one goes out slowly, so if I fill that hole for three years, it will be enough. Even if the same amount goes out based on the principal, when you look at the pension received, those who receive it quickly can only see 200% more expensive, while those who feel a little can see 300%, and those who feel a lot can receive 400%. So, do you understand now? The national pension has the function of income redistribution. Therefore, it is important to receive a larger amount for a longer period. Extending the period is the key. It's not about increasing the amount, but about receiving a larger amount for a longer period, which is a much better way to receive more pension.

The best way to extend the period is to sign up early. If you sign up early, you can get a discount, right? So, as I mentioned in the video, the membership fee is for those over 18 years old. Over 18 years old, where's the money? you may ask. When you turn 18, you can pay 90,000 won and just pay for a month. I already mentioned this in the video. So, you can sign up from that time and even if you're not sure what will happen later, it's great to have people who know what they're doing and know how to do it. Then, to extend the period, for those of you who say that your institution is not doing well now, there is an exception for institutions that were not able to be paid in the past due to certain reasons. You can pay for that period later. If it gets worse later, they will recognize that period. So, you can extend the period through that. Through such detailed information, we will provide lectures on various topics related to the public utility fee system.

I will give you a drill. Today, the scar from 200,000 won to 220,000 won, based on the standard of average income or insurance premiums, is the amount that I have independently determined as the most rational and efficient way to receive a pension. I will produce a spring production period. Thank you. [MUSIC]

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실전재무설계길라잡이 2012
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