Hanyang Securities analyzed the investment tendencies of its employees based on the pension savings fund matching program introduced in August this year, and noted that 9 out of 10 employees preferred equity funds, which are risk assets, over bond funds, which are stable assets.
The matching program is a system where Hanyang Securities supports the same amount (100,000 won per month) for the pension savings funds chosen by its employees, targeting five funds managed by KCGI Asset Management.
Looking at the enrollment status by fund, the domestic stock-oriented equity fund 'KCGI Korea Securities Investment Trust No. 1' accounted for 44% of the total, showing the highest proportion. Following that, the indirect investment fund 'KCGI Salaryman Securities Investment Trust' that diversifies into global stocks accounted for 37%.
In addition, the bond mixed fund 'KCGI Korea Securities Investment Trust,' which focuses on government bonds and high-quality corporate bonds, recorded 10%, while the equity fund 'KCGI Korea Small Cap Securities Investment Trust,' which invests in domestic small and mid-cap stocks, recorded 7%, and the bond mixed indirect investment fund designed for retirees, 'KCGI Didim Freedom Lifetime Income TIF Securities Investment Trust,' accounted for 2%.
Among the employees enrolled in the fund, 88% invested in equity assets classified as risk assets, and the tendency for pension investment varied by 'generation.' 51% of employees from the 2030 generation chose global equity funds, favoring interest in overseas markets and diversification strategies. In contrast, 61% of the 4050 generation chose domestic equity funds, demonstrating trust in the domestic market.
A representative from Hanyang Securities said, 'The 4050 generation paid attention to the growth potential of domestic stocks amid expectations of government policies, while the 2030 generation appears to have assessed the structural growth potential of global markets, such as the U.S., and the risk diversification effects more highly.'
Differences by gender were also confirmed. Male employees mostly chose domestic equity funds, while female employees had nearly the same selection rate for domestic and global options. Hanyang Securities noted, 'The high proportion of 2030 generation among female employees seems to have influenced these results.'