![[4050세대 은퇴준비]90% of assets held, real estate, fear of lack of funds for retirement living](https://image.edaily.co.kr/images/Photo/files/NP/S/2021/01/PS21011100596.jpg "[4050세대 은퇴준비]90% of assets held, real estate, fear of lack of funds for retirement living")
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[이데일리 이진철 기자] The household income of the 4050 households with the most active social activities was about 705 trillion won, accounting for about 60% of the total household income in Korea.
As real estate accounts for 90% of real assets owned by 4050 households, there were concerns about liquidity restrictions on funding for retirement after retirement. However, the 4050 generations showed high interest in investing their surplus funds in real estate for retirement measures.
According to the “2020 KIDI Retirement Market Report,” a comprehensive analysis of the National Statistical Office’s 2019 household financial welfare survey, insurance statistics, and retirement market survey by the Korea Insurance Development Institute on the 11th, the total household income was 1160 trillion won, of which household income of households in their 40s was Those in their 50s accounted for 334 trillion won (28.8% of the total) and 371 trillion won (32%) respectively.
In terms of earned income, those in their 50s (261 trillion won) were more than those in their 40s (237 trillion won), and business income in their 50s (79 trillion won) and 40s (76 trillion won) were similar. For those in their 60s or older, their transfer income (74 trillion won) and property income (39 trillion won) were higher than those of other age groups.
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Looking at the household assets of the 4050 households, they consisted of 73.5% of real assets and 26.5% of financial assets. In the case of real assets, real estate (residential housing + other real estate) accounted for 91.7% of the real assets held. In the case of financial assets, 70.1% of savings were accumulated and deposited.
The Korea Insurance Development Institute said, “For 4050 households that are about to retire, real assets account for a high proportion of their assets, so there is a concern about liquidity restrictions on funding for retired living in the future.” “The future, such as rental income and housing pension, which can be used as retirement income. We need a plan.”
The proportion by type of residential housing in their 40s was apartment 68.2%, detached house 17.9%, and row/multi-family housing 12.0%. As for the type of occupancy, 60.5% of self-owners were the highest. As the age increased, the number of apartment residents decreased and the type of occupancy in the self-owned form increased.
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In the financial situation of 4040 households, real assets accounted for the highest proportion of residential housing real estate, and financial assets accounted for the highest proportion of accumulation and deposit savings.
Looking at the average household assets, for those in their 40s, it was 4,6967 million won, and for those in their 50s, it was 44.9345 million won. In the case of residential housing real estate, which accounted for the largest proportion of real assets, those in their 40s owned KRW 195,400,000 (57.5%) and those in their 50s held KRW 193.34 million (52.7%). Compared to those in their 40s, the proportion of real estate in their 50s is relatively low, and the proportion of real estate other than residential housing (32.8% in their 40s)
In the case of financial assets, savings and deposits accounted for the highest proportion, with their 40s accounting for 83.77 million won (64.6%) and 50s with 95.2 million won (75.2%).
All of the 40s and 50s had the highest willingness to invest in savings and financial assets when they had extra funds, with 34.8% in their 40s and 39.4% in their 50s. Following that, the intention to invest in real estate purchases accounted for 29.6% in their 40s and 30.5% in their 50s.
The purpose of real estate investment was the highest for all 40 and 50 households, but as the age increased, the cost of real estate investment for retirement measures increased. In particular, in the case of 4050 households, the first place in the real estate investment category (32.1%) and retirement measures (20.1%) ranked second.
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Mortgage loans for 4050 households were mostly borrowed from banks for housing housing. As the age increased, the proportion of mortgage loans for the purpose of purchasing residential houses decreased somewhat, while the increase in mortgage loans to raise business funds showed an increasing trend.
Eight out of 10 people in their 40s and 50s responded that they are feeling a burden to repay their debts, and it was found that they are reducing consumption of food, eating out, leisure, leisure, and cultural expenses. The asset composition of the 40s focused on real estate as retirement approached, and the portfolio composition of the 50s according to the retirement preparation period was not very busy.
The number of housing pension subscribers increased from 6486 in 2015 to 10,982 in 2019. The average age of housing pension subscribers was 72, the average monthly receipt was 1,100,000 won, and the average house price was 298 million won, which was higher than the expected monthly national pension of 740,000 won (based on the average monthly income for 30 years).
The Korea Insurance Development Institute analyzed that “the main reason for the housing pension is to obtain stable and long-term retirement income, considering that the life payment method and the fixed-line type are the most preferred in the statistics of home pension subscribers.”
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