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Posted by 못된준코 Posted in " 못된준코의 재테크 스토리 "   2012.07.13 18:49

[재무설계에 있어 필수라고 불리우는 연금저축과 변액연금!! 그런데..요 두 가지 상품이
좋긴 하지만서도.잘 뜯어(?)보면 자신에게 어떤 것이 좀 더 돈(?)을 만들어 주는지 알 수
있겠죠? 연금저축 vs 변액연금의 때깔(?)나는 비교!! 살짝 알아보겠습니다.]



얼마 전....이상 요로코롬 신기한(?) 복권이 생겨났죠?? ㅎㅎ
이름하여...
연금복권!!!!! 세간의 이목을 집중시키며..
광풍이 불었는데...고령화 사회로 접어들면서 노후문제가 심각해졌다는..반증이라고 봐도 무방할겁니다.

노후준비를 하는 방법에는
여러가지가 있겠지만....
아무래도 가장 대표적이라고 볼 수 있는 것이..
바로 연금저축이나 변액연금 같은 연금 상품이라..볼 수 있는데..
노후....와 관련된 얘기만 나오면 저 역시도 머리 아픈 것이..
사실이고....변액연금이나 연금저축 정도는 미리...준비를 ...
해두고 있지만서도....여전히 연금상품을 준비하는 분들 중...
어떤 연금상품이 자신에게 맞는지 모르시는 분들이 많은 것 같아...
오늘은...
             연금저축 vs 변액연금과 관련하여...살짝 비교를 해볼까 합니다.


보통의 연금상품을 보면.........

   소득공제라는 강력한(?) 무기를 장착하고 적립금을 불려나갈 수 있는...연금저축!
   공시이율에 따른 금리가 부가되면서도 10년 유지 시에 비과세 혜택과 더불어....최저금리를 보장해 주는 연금보험!
   최근엔 원금이사을 보증해 주면서 특별계정 적립금을 펀드에 투자해 높은 수익률까지 기대할 수 있는 변액연금 등...

선택이 폭이 상당히 넓어졌고...
이와 같은..
연금상품의 다양화로 인해...각각의 장단점 파악이나 자신의 성향과 니즈에
부합하는 상품을 선택하는 일이 점점 더 어려워지는 동시에...
준비 또하 어려워지고 있지요..

최근에...시장을 주도하고 있는 연금상품은
                바로 연금저축 or 변액연금이라 볼 수 있는데..

why?????

연금저축은 연말정산 시 소득공제가 가능한..안정적이고...
재테크 금융상품이기 때문이고...
변액연금의 경우 펀드에 투자되면서도 투자실적에 따라...
원금의 200~300%까지 보증을 해주기 때문이죠.
ㅋ ㅑ........좋죠??? ㅎㅎ 그러나..좋은 것도 어떤 점이 좋은지 제대로 알고 해야만이..
자신에게 적합한 금융상품을 선택할 수 있고....
본인의 재정상황에 따라...최적의 선택을 할 수 있습니다.

아래의 내용은.....연금저축과 변액연금보험의 깔쌈한(?) 비교내용이니..ㅋㅋ
아직 연금을 준비하기 전이라면??
한번쯤 읽어봐서...해가 될 내용은 아니오니..스르륵(?) 스캔해보시기 바랍니다.






연금저축! 소득공제 한도 상향! 안정적 재테크 상품!



연금저축은...............

올해부터 400만원 한도 내 불입액의 100%를 소득공제 받을 수 있게 되어 그 만큼 원천징수된 세금이 많은 가입자일수록....
혜택도 커질 수 있다는 사실!!
즉,,,,,,,,,,,,,,,,,,,,,,,,
돈 많이 버는 사람은 필수로 가입해서....소득공제를...
받아야..이득을 볼 수 있는 상품이죠!! ㅎㅎㅎ

연금저축은 연금개시연령이 최소 55세부터 설정 가능하고..안정적인 공시이율과....
배당,소득공제의 효과로 재테크/세테크의 두 마리 토끼를 한꺼번에
...
잡을 수 있는...쌈박한(?) 장점이 있기 때문에...최근 노후준비를 위해서...
가장 각광받고 있죠. 물론..저는 진작부터 준비하고 있는데..
일단...나이 들어서 쪼매 즐기고 살려면..
어느정도 현금자산은 확보를 해야하니까 말이죠. ㅋㅋㅋ

단점이라면.....
훗날 연금 이외의 형태로 수령할 시에 기타소득세로 22%를 물어야 하고..
가입 후 5년 이내 해질 할 경우에는 해지가산세로 2.2%를 추가로 물어야 합니다.
이....점 가입 전 꼭 기억해야 할 사항겠죠???
소득공제라는 장점이 있기 때문에...이러한 패널티가 주어진다고 생각하면 편할 듯!!
그렇기 때문에....소득공제 환급금이
                많지 않은 분들에겐 적합하지 않다고 봐야겠네요.~






변액연금보험! 최근 금융트렌드 차세대 연금상품!



변액연금보험!!!

흠냐..요거 쪼매 희한한 물건입니다. ㅋㅋ
고수익과 원금보증옵션의 장착(?)으로...엄청난 인기몰이를 하고 있는 금융상품 중 하나인데...
연금과 같은 중장기투자에 적합한 상품이죠!!

10년 유지 시 비과세 혜택은 물론이요!!!!
중도인출, 추가납입 등은....
일반 공시이율형 연금보험과 동일하면서도 변액유니버셜보험과
일반연금보험의 장점을 동시에 지니고 있습니다.
재미나는건.....약간은 공격적인 투자상품이기도 하면서 원금보증옵션(100~300%이상)으로..
안정성을 확보하면서 액티브한...펀드투자를 통한 고수익을 노릴 수 있다는 점!! ㅎㅎ

변액연금은...펀드에 투자되는..특별계정적립금
변동에 따라...연금수령액이...
바뀌는 투자형 실적배당상품이라고 보면..쉬을듯 하네요.

투자형임에도...불구하고 최근에는 원금을...
                최고 300%이상까지 보장해 주는 상품이 출시되고 있어..앞으로도 인기는 계속될듯 합니다.~~

단점이라면......................
변액연금은 펀드에 투자되는 상품으로...즉,,,주식시장과..
채권시장에 투자하여 수익을 내는 구조인 것인데...
주식시장은 예측할 수 있는 위험zone이므로...예측을 통한 관리가 어렵다는 점이죠.
이러한 점 때문에...중장기..또는 노후를 위해 금융상품에 가입하는거라면..
전문가의 도움이 필요한데...일반 보험설계사의 경우...
아무래도 자신이 속한 곳(?)의 상품만 추천하는 경우가 많으므로...
가능한 금융전문기업에서 무료재무설계나 포트폴리오를 구성해 보는 것이 도움이 됩니다.

아래..무료재무설계에 대해서 올려두니..필요한신 분들은..
잘 활용해보시고~~매 월 2000여 분이 넘게..
무료재무설계를 통해..재테크 방법,노후대책,종자돈 만들기 등에 대한..
도움을 받는다고 하니...머..신뢰도 측면
에서는 두 말할 나위가 없는 듯^^





재테크/노후준비엔 무료재무설계는 필수라고...



노후준비를 위해...연금저축도 중요하고 변액연금도 중요하지만..
사실 웬만한 일반인들이 이러한 연금에 대해..
상세한 혜택이나 스펙을 알기가 힘들고 어느 회사의...
연금이 더 좋은지도 ..비교하기가 쉽지 않죠!!

이러한 경우...연금준비는 물론 재테크/종자돈만들기/노후대책/내집마련 등..
                다양한 가계금융 분야에 대해....

무료로 재무설계를 받을 수 있고...
포트폴리오 역시..무료로 제공받을 수 있다는 사실을 아실랑가??? ㅋㅋ
현재 [리더스리치 재무설계센터]에서는..매 월 2000명이 넘는..
분들에게....무료로 재무설계를 실시하고 있고 부자들보다는 서민들을 위한 재무설계를 모토로....
삼고 있다고 합니다. 좋죠???? 부자들만 위한....재무설계...ㅋㅋ
요거 머가 필요하겠습니까?? 부자들은...그네들이..알아서 잘 먹고 잘 사는데 말이죠???

암튼..각설하고..
아래와 같은....상황에 있는 분들이라면 무료재무설계..꼭 한번 받아보시길 추천드립니다.



[리더스리치 재무설계센터] 종자돈1억만들기,재테크노하우,내집마련,목돈마련,목돈굴리기 등과 같은..가계금융분야에
                                      대한 무료재무설계 및 포트폴리오 무료 제공

아래...이미지는 직접 무료로 재무설계 받은 후기랍니다. 역시 금융지주사의 수석자산관리사들이 직접 포터폴리오도 구성해주고 금융지식도 알려주고...전체적인 재무설계까지 무료로 해주니...좋긴 좋은가봅니다. 늦은것 같더라도..바쁘더라도 시간내서 한번 쯤 받아보면...인생자체가 달라질지도 모르는 일이니...잘 활용하면 훗날 재테크를 하는데 있어 많은 도움이 되지 않을까요??



못된준코의 금융관련글

돈버는 방법? 재테크? 자산관리? 무료재무설계 포트폴리오가 돈버는 방법!
cma 통장 재테크엔 이만한 것이 없죠! 금리도 역시 cma통장
어느 자산관리사의 글!! 나는 얼마나 부자일까??? 부자의 법칙!!!
연금보험 제대로 가입하는 9가지 단계와 무료 재무설계를 통한 보험리모델링
연령대별 재테크 무엇이 핵심인지 알아야 노후대책도 할 수 있다.
서민들의 꿈 내집마련을 위해서 알아야 할 재무설계는?? 재무설계 이제는 필수!!
신혼부부 재테크! 종자돈 1억만들기 도전하려면 알아야 할 10계명
개인연금저축 재테크의 필수품인 이유와 연금저축의 소득공제 효과!
[변액보험] 변액연금비교 가장 궁금한 사항들?
연금저축소득공제 혜택 및 연금저축보험 추천상품! 노후준비엔 역시 연금저축보험!
퇴직금 or 노후준비 어떻게 해야할까? 직장인들의 은퇴설계 필수사항은?
ceo와 자영업자재테크를 위한 재무설계 무엇이 필요한가?
20대 재테크 기본 결혼자금 만들기 어떻게 해야할까?
종자돈목적자금만들기에 있어 알아야 할 현금흐름의 문제점
자영업자 재테크? 자영업자는 재테크보다 재무설계,재무관리가 우선입니다.
재무설계나 재무진단이 가장 시급한 사람은?
재무설계로 은퇴 후 월 100만원 이상의 안정적인 생활을 영위 하려면?? 무료 재무설계 추천
내집마련을 위한 저축 및 투자상품 선택 2가지 노하우





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