2025³âºÎÅÍ Á÷¿øµé 401(k) ÀÚµ¿°¡ÀÔ Àǹ«È­
By lplxxxx Posted: 2024-06-25 10:21:59

2022³â 12¿ù29ÀÏ ÀÌÈÄ ¼³¸³µÈ Ç÷£

¸Å´Þ ¿ù±ÞÀÇ 3~10% Àû¸³Åä·Ï Á¶Ä¡

401(k) ¾ø´Â ±Ù·ÎÀÚ 60%´Â ÀÖ´Ù°í Âø°¢

 

¿¬¹æÀÇȸ¸¦ Åë°úÇØ ½ÃÇàÀÌ È®Á¤µÈ ‘½ÃÅ¥¾î 2.0’ ¹ý¿¡ µû¶ó 2022³â 12¿ù29ÀÏ ÀÌÈÄ Á÷Àå ÀºÅ𿬱ݠÇ÷£ Á¦°øÀ» ½ÃÀÛÇѠȸ»çµéÀº 2025³âºÎÅÍ Á÷¿øÀ» 401(k)¿¡ ÀÚµ¿°¡ÀÔ ½ÃÄѾߠÇÑ´Ù. 

 

ÀÌ¿¡ ÇØ´çµÇ´Â ¸ðµç °í¿ëÁÖµéÀº ±Ù·ÎÀÚ°¡ ¿ù±ÞÀÇ 3~10%¸¦ ¸Å´Þ 401(k)¿¡ ÅõÀÚÇϵµ·Ï Á¶Ä¡ÇؾߠÇÑ´Ù. Á÷¿ø 10¸í ÀÌÇÏ, ¼³¸³µÈÁö 3³â ¹Ì¸¸ ȸ»ç´Â Á¦¿ÜµÈ´Ù.

USAÅõµ¥ÀÌ°¡ ÃÖ±Ù º¸µµÇÑ ³»¿ë¿¡ µû¸£¸é ÇöÀç Á÷Àå¿¡¼­401(k) ÇýÅÃÀ» ¹ÞÁö ¸øÇϴ ±Ù·ÎÀÚ 10¸í Áß 6¸íÀº º»ÀÎÀÌ401(k)¿¡ ²ÙÁØÈ÷ ÅõÀÚÇÏ°í ÀÖ´Ù°í ‘Âø°¢’ÇÏ°í ÀÖ´Ù. 

 

ÇÁ¸°½ÃÆÞ ÆÄÀ̳½¼È ±×·ìÀÌ ÃÖ±Ù 401(k)°¡ ¾ø´Â ¹Ì±¹ ³» ±Ù·ÎÀÚ 1100¸íÀ» ´ë»óÀ¸·Î ½Ç½ÃÇÑ ¼³¹®Á¶»ç °á°ú ÀÀ´äÀÚÀÇ 59%´Â ÀÚ½ÅÀÌ ¸Å´Þ 401(k)¿¡ Àû¸³ÇÑ´Ù°í ¹Ï°í ÀÖ´Ù. 401(k)¿¡ ÀÏÁ¤¾×À» ´Ù´ÞÀÌ º×°í ÀÖ´Ù°í Âø°¢ÇÑ ÀÀ´äÀÚÀÇ ´ëºÎºÐÀº ¸Å´Þ ¿ù±ÞÀÇ 5%, 8%, ¶Ç´Â 10%¸¦ 401(k)¿¡ ÅõÀÚÇÑ´Ù°í »ý°¢Çϴ °ÍÀ¸·Î Á¶»çµÆ´Ù. 401(k)°¡ ¾ø´Âµ¥ ÀÖ´Ù°í Âø°¢ÇÑ ±Ù·ÎÀÚÀÇ 50%´Â Çö Á÷Àå¿¡¼­ ±Ù¹«¸¦ ½ÃÀÛÇßÀ» ´ç½Ã ÀÚµ¿À¸·Î 401(k)¿¡ °¡ÀԵȠÁÙ ¾Ë°í ÀÖ¾ú´Ù. 

 

ÀçÁ¤ Àü¹®°¡µéÀº “À̹ø ¼³¹®Á¶»ç·Î 401(k)¸¦ ºñ·ÔÇÑ ÀºÅ𿬱ݠ°èÁ¿͠°ü·Ã, °í¿ëÁÖ¿Í Á÷¿øµé °£¿¡ ¿øÈ°ÇÑ ¼ÒÅëÀÌ ÀÌ·ç¾îÁöÁö ¾Ê´Â °ÍÀ¸·Î µå·¯³µ´Ù”°í ºÐ¼®Çß´Ù. 2022³â ¿¬¹æÁ¤ºÎ°¡ ½Ç½ÃÇÑ ¼ÒºñÀÚ ±ÝÀ¶°ü·Ã ¼³¹®Á¶»ç °á°ú ¹Ì±¹ °¡Á¤ÀÇ Àý¹ÝÀº 401(k), IRA µî ÀºÅ𿬱ݠ°èÁ°¡ ¾ø´Â °ÍÀ¸·Î ³ªÅ¸³µ´Ù.

 

±×·¯³ª °í¿ëÁÖ°¡ 401(k)¸¦ Á¦°øÇϴ °æ¿ì ±Ù·ÎÀÚÀÇ 80%´Â Ç÷£¿¡ °¡ÀÔÇÑ´Ù. ÇöÀç °í¿ëÁÖ°¡ Á÷¿øÀ» ÀÚµ¿À¸·Î 401(k)¿¡ °¡ÀÔ½ÃÅ°´Â ½Ã½ºÅÛÀ» °®Ãá È¸»çÀÇ °æ¿ì ±Ù·ÎÀÚÀÇ 93%°¡ 401(k)¿¡ ²ÙÁØÈ÷ ÅõÀÚÇÑ´Ù. ÀÚµ¿°¡ÀÔ ½Ã½ºÅÛÀº ¾øÁö¸¸ 401(k)¸¦ Á¦°øÇϴ ȸ»çÀÇ °æ¿ì ±Ù·ÎÀÚÀÇ 401(k) °¡ÀÔ·üÀº 70% ¿´´Ù. 

 

 

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