연금, 절대 그냥 받지 마세요! 전문가가 밝힌 ‘순서의 비밀’ | 이천대표 | 연금받는형 |

When preparing for retirement, while the amount of pension assets accumulated is important, the order in which you receive them and how you withdraw them is even more crucial. In this video, we explain in detail the order in which you should receive funds when holding multiple pension accounts, such as the National Pension, Individual Retirement Pension (IRP), and pension savings funds, as well as methods to reduce the burden of taxes and health insurance premiums. ✔ Criteria for deciding whether to receive the National Pension early or late ✔ Calculation method for pension withdrawal limits for retirement pensions and pension savings ✔ Pension withdrawal strategies to reduce retirement income tax ✔ The meaning of the 15 million won annual threshold for private pensions ✔ Criteria for choosing between comprehensive income tax and the 16.5% separate taxation ✔ Tax-saving strategies that must be considered when receiving a pension We also cover how to prepare for situations requiring a lump sum after retirement, such as unexpected medical expenses or funds for children's weddings. ✔ The amount of emergency funds needed to avoid liquidating a pension account ✔ The necessity of an emergency fund of 50 million to 100 million won ✔ Potential disadvantages of early withdrawal from an IRP ✔ How to utilize multiple pension savings and IRPs ✔ How to use pension accounts to reduce health insurance premiums and comprehensive taxation on financial income In the latter part, we will explain: ✔ Housing downsizing and utilizing pension accounts ✔ The pension account transfer system allowing up to 100 million won ✔ The issue of health insurance premiums, the biggest burden for retirees ✔ The structure of living expenses in old age that changes before and after age 75 ✔ Strategies for preparing for medical expenses in late old age ✔ Retirement planning that does not burden children ✔ Methods for preparing for cognitive impairment and dementia using trusts These topics will be explained with real-life examples. Preparing for retirement is not simply about saving money; it requires preparing for taxes, health insurance premiums, medical expenses, inheritance, and withdrawal strategies. We are living in an era where how you receive your pension is becoming more important than how much you have saved. Check out the key strategies to protect your post-retirement cash flow and prepare for a stable retirement for a lifetime. 🔍 Today's Timeline & Key Points 00:00 Highlights 01:04 Strategies for Receiving National Pension, Retirement Pension, and Private Pension 02:31 Calculation of Pension Receiving Limit Based on 200 Million Won Severance Pay! 30% Tax Savings Effect on Retirement Income Tax 05:30 Based on 15 Million Won Annual Private Pension! Criteria for Choosing Comprehensive Taxation vs. Separate Taxation 07:47 Emergency Fund Strategies for Medical Expenses and Children's Wedding Funds 08:35 Minimum 50 Million to 100 Million Won Emergency Fund! The Last Line of Defense Protecting Pension Accounts 09:18 2 Pension Savings Accounts + 2 IRPs? Reasons Why You Should Split Your Accounts 10:48 Downsizing and Utilizing Pension Accounts 11:55 Designing Retirement Cash Flow to Reduce the Burden of Health Insurance Premiums and Comprehensive Taxation on Financial Income 14:37 Early Senior Years vs. Late Senior Years 16:26 How to Prepare for Asset Management After Judgment Deteriorates 18:24 Essential Preparation for a Super-Aged Society! Trust Systems to Prepare for Dementia, Inheritance, and Cognitive Impairment #NationalPension #IRP #PensionSavings #RetirementPension #HealthInsurancePremiums #PensionAccount