NH Investment & Securities: "The Key to Retirement Planning Is Cash Flow, Not Asset Size"

THE100 Report Issue 126 Published

A Report on Lifetime Asset Management and Trends for the 100-Year Life Era

NH Investment & Securities 100-Year Life Research Institute announced on June 15 that it has published the 126th issue of THE100 Report, titled "Life After Retirement, Preview and Preparation (Part 2): Retirement Income and Jobs," which examines changes in life after retirement based on statistics about seniors.

THE100 Report is a research publication by NH Investment & Securities 100-Year Life Research Institute, covering a wide range of topics such as stable lifetime asset management to prepare for the era of 100-year lifespans and aging trends. It has been published regularly since 2014.

This report highlights that, in 2025, the relative poverty rate among retirees aged 66 and older is projected to be 37.7%, and the Gini coefficient is expected to reach 0.377, indicating that income insecurity in old age remains a structural challenge. In addition, while the pension receipt rate among those aged 65 and older has risen to 90.9%, the average monthly pension payment stands at only 695,000 won. Furthermore, 80.1% of the net assets of elderly households are tied up in real estate, suggesting that asset ownership and securing living expenses are separate issues.

The employment rate among seniors aged 55 to 79 is 59.5%, and 69.4% wish to continue working in the future. The average age at which individuals leave their longest-held job is 52.9, underscoring the need to address both income gaps and job preparation after retirement. Through these findings, the report suggests that the core of retirement preparation lies not in the size of one's assets, but in establishing a "cash flow structure" supported by pensions, financial assets, and earned income.

Kim Dongik, head of the NH Investment & Securities 100-Year Life Research Institute, stated, "Retirement planning is not just about how much you have saved; it must also include designing how long and how stably your income will continue." He added, "It is necessary to review the cash flow structure that links pensions, financial assets, and earned income, and to prepare for post-retirement jobs in advance by building on career experience, health, and social networks before retirement."

This content was produced with the assistance of AI translation services.