“From tax savings to long-term investment strategies” ... Samsung Asset Management publishes pension investment guidebook

[Financial News] Samsung Asset Management has published a pension investment guidebook to help pension investors build an optimal tax-saving structure and pursue successful long-term investments.
Samsung Asset Management said on the 7th that it had published its fourth-quarter pension investment guidebook, “Exchange-Traded Fund (ETF) Pension Alchemist.”
The guidebook consists of six chapters: “Ingredients of Pension Alchemy” (choosing an account); “The Appeal of Pension Alchemy” (threefold tax savings on contributions, management and withdrawals); “The Pension Alchemist’s Workshop” (practical Q&A on the accumulation and withdrawal phases); “An Encyclopedia of Pension Alchemy’s Ingredients” (ETF basics and investment principles); “The Pension Alchemist’s Recipes” (ETF portfolios by age group); and “Ingredients Chosen by the Pension Alchemist” (22 KODEX ETFs).
In particular, it enhances the guidebook’s practicality by addressing, through case studies, the real-world concerns investors most frequently raise. For the “pension accumulation phase,” it covers the order in which dual-income couples should make contributions, transferring funds at the maturity of an individual savings account (ISA) to a pension account, and ETFs that cannot be invested in through pension accounts. For the “pension withdrawal phase,” it explains the tax differences between taking retirement benefits as a lump sum and receiving them as a pension, as well as how to manage the 15 million won annual threshold for private pensions. It also covers how to use pension savings accounts held in children’s names and gifts made through fixed-term periodic payments.
The guidebook also presents age-based portfolios tailored to different stages of life. It recommends a “growth” portfolio for people in their 20s, who have a longer investment horizon, centered on major indices such as the U.S. S&P 500 and with a higher allocation to AI themes; a “balanced” portfolio for those in their 30s and 40s, sustaining growth while balancing it with monthly dividends, asset allocation and commodities; and a “stable” portfolio for people aged 50 and older, when cash flow becomes more important, increasing the allocation to monthly dividend ETFs to as much as 40% and adding ultra-short-term bonds to curb volatility.
Kim Do-hyung, head of the ETF Consulting Division at Samsung Asset Management, said, “In pension investing, it is very important to first build a structure that reduces taxes, then invest long term in ETFs suited to me and benefit from the effects of compounding over time and through accumulation.” He added, “As more pension investors move past the accumulation phase and enter the withdrawal phase, this Pension Alchemist booklet newly includes their biggest concerns and solutions.”

[email protected] Seo Min-ji Reporter