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As the U.S. Federal Reserve enacts a significant rate cut, the Bank of Korea faces mounting pressure to follow suit.  As the U.S. Federal Reserve enacts a significant rate cut, the Bank of Korea faces mounting pressure to follow suit. This marks the first potential interest rate decrease since the introduction of the new international accounting standard IFRS 17. This blog explores the implications of this change for the insurance industry, particularly in light of declining investment income. On September 18, the U.S. Federal Reserve implemented a 0.5 percentage point rate cut, reducing the federal funds rate from 5.25-5.50% to 4.75-5.00%. This decision signals the beginning of a rate cut cycle not seen since the emergency measures taken in March 2020 in response to the COVID-19 crisis.  As the Fed moves forward, the Bank of Korea (BOK) is under increasing pressure to lower its interest rates, with its monetary policy meeting scheduled for October 11. Should the BOK proceed w...

Both employees and self-employed individuals have about 70% of their assets in real estate, but they show a low preference for financial investments like pension insurance, Self-Employed Have More Assets After Age 50 Both employees and self-employed individuals have about 70% of their assets in real estate, but they show a low preference for financial investments like pension insurance, which stands at only around 2%. Despite similar saving capacities, it's crucial for those over 50 to focus on accumulating financial assets. *Everyone dreams of becoming wealthy. But dreams alone won't make you rich. If you want a better tomorrow and a prosperous retirement, you need to start preparing now. Kim Jin-woong, head of NH Investment & Securities' 100-Year Life Research Center, shares tips on becoming wealthy every two weeks. All you need is the resolve to become rich!* The economic activity population refers to individuals aged 15 and older who are either employed or actively ...

According to a recent report by Hana Financial Research Institute, individuals aged 50-64 are facing difficulties securing cash flow for retirement According to a recent report by Hana Financial Research Institute, individuals aged 50-64 are facing difficulties securing cash flow for retirement. As a result, real estate liquidity is becoming a prominent solution. The report highlights the high proportion of real estate assets and the burden of housing loans among this demographic, forecasting an increase in the demand for real estate liquidity to fund retirement. Hana Financial Research Institute's report on "Asset Management Plans for the Affluent Senior Segment" reveals that individuals aged 50-64 make up about 25% of the population and are expected to maintain a similar proportion over the next decade. As these individuals approach retirement, many are heavily invested in real estate, which poses challenges for cash flow. The report indicates that the income replacemen...