{"id":28047,"date":"2026-02-07T08:47:28","date_gmt":"2026-02-07T08:47:28","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/global-pension-fund-industry-mordor\/"},"modified":"2026-09-18T01:08:28","modified_gmt":"2026-09-17T16:08:28","slug":"global-pension-fund-industry-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/global-pension-fund-industry-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc5f0\uae30\uae08 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/global-pension-fund-industry-1749815962450-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/global-pension-fund-industry-size-image-1767018803661.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 &amp; \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 DB\uc5d0\uc11c DC \uc81c\ub3c4\ub85c\uc758 \uc804\ud658<\/li>\n<li class=\"toc-level-3\">4.2.2 \uace0\ub839\ud654 \uc778\uad6c &amp; \uc7a5\uc218 \uc704\ud5d8<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc790\ub3d9 \uac00\uc785 \ubc0f \uae30\uc5ec\uae08 \uc99d\uc561\uc744 \uc704\ud55c \uaddc\uc81c \uc555\ub825<\/li>\n<li class=\"toc-level-3\">4.2.4 \ub300\uccb4 \uc790\uc0b0\uc73c\ub85c\uc758 \ub2e4\uac01\ud654<\/li>\n<li class=\"toc-level-3\">4.2.5 \ud1a0\ud070\ud654\ub97c \ud1b5\ud55c \ubd84\ud560 \uc2e4\ubb3c \uc790\uc0b0 \uc811\uadfc \uac00\ub2a5<\/li>\n<li class=\"toc-level-3\">4.2.6 \uae30\ud6c4 \uce5c\ud654\uc801 \uc778\ud504\ub77c \ud22c\uc790 \uc218\uc694<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d\n<ul>\n<li class=\"toc-level-3\">4.3.1 \uc7a5\uae30\uc801\uc778 \uc800\uc218\uc775 \ud658\uacbd<\/li>\n<li class=\"toc-level-3\">4.3.2 DB \uc81c\ub3c4 \uc790\uae08 \ubd80\uc871<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc790\ubcf8\uc744 \uc815\uce58\ud654\ud558\ub294 \uad6d\ub0b4 \ud22c\uc790 \uc758\ubb34<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc99d\uac00\ud558\ub294 \uc0ac\uc774\ubc84 \ubcf4\uc548 &amp; \ub370\uc774\ud130 \uc720\ucd9c \uc704\ud5d8<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \/ \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.2 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uacc4\ud68d \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \ud655\uc815 \uae30\uc5ec\ud615 (DC)<\/li>\n<li class=\"toc-level-3\">5.1.2 \ud655\uc815 \uae09\uc5ec\ud615 (DB)<\/li>\n<li class=\"toc-level-3\">5.1.3 \ud63c\ud569\ud615 \ubc0f \uae30\ud0c0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ud22c\uc790 \uc804\ub7b5\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc561\ud2f0\ube0c<\/li>\n<li class=\"toc-level-3\">5.2.2 \ud328\uc2dc\ube0c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc2a4\ud3f0\uc11c \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uacf5\uacf5 \ubd80\ubb38 \uacc4\ud68d<\/li>\n<li class=\"toc-level-3\">5.3.2 \ubbfc\uac04 \ubd80\ubb38 \uacc4\ud68d<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ud22c\uc790 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \uad6d\ub0b4<\/li>\n<li class=\"toc-level-3\">5.4.2 \ud574\uc678<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.5.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.5.2.4 \ucf5c\ub86c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \uae30\ud0c0 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.5.3.7 \ubd81\uc720\ub7fd (\uc2a4\uc6e8\ub374, \ub178\ub974\uc6e8\uc774, \ub374\ub9c8\ud06c, \ud540\ub780\ub4dc, \uc544\uc774\uc2ac\ub780\ub4dc)<\/li>\n<li class=\"toc-level-4\">5.5.3.8 \uae30\ud0c0 \uc720\ub7fd<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544 (\uc2f1\uac00\ud3ec\ub974, \uc778\ub3c4\ub124\uc2dc\uc544, \ub9d0\ub808\uc774\uc2dc\uc544, \ud0dc\uad6d, \ubca0\ud2b8\ub0a8, \ud544\ub9ac\ud540)<\/li>\n<li class=\"toc-level-4\">5.5.4.7 \uae30\ud0c0 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.5 \uae30\ud0c0 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uac00\uc6a9 \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 &amp; \uc11c\ube44\uc2a4, \ucd5c\uadfc \ub3d9\ud5a5 \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 CalSTRS (\ubbf8\uad6d)<\/li>\n<li class=\"toc-level-3\">6.4.2 \uc815\ubd80\uc5f0\uae08\ud22c\uc790\ud380\ub4dc (\uc77c\ubcf8)<\/li>\n<li class=\"toc-level-3\">6.4.3 \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 (\ub300\ud55c\ubbfc\uad6d)<\/li>\n<li class=\"toc-level-3\">6.4.4 ABP (\ub124\ub35c\ub780\ub4dc)<\/li>\n<li class=\"toc-level-3\">6.4.5 \uce98\ub9ac\ud3ec\ub2c8\uc544 \uacf5\ubb34\uc6d0 \ud1f4\uc9c1 \uc5f0\uae08 \uc2dc\uc2a4\ud15c (CalPERS)<\/li>\n<li class=\"toc-level-3\">6.4.6 \uce90\ub098\ub2e4 \uc5f0\uae08 \uacc4\ud68d \ud22c\uc790 \uc704\uc6d0\ud68c (CPPIB)<\/li>\n<li class=\"toc-level-3\">6.4.7 \uc624\uc2a4\ud2b8\ub808\uc77c\ub9ac\uc548\uc288\ud37c<\/li>\n<li class=\"toc-level-3\">6.4.8 PFZW (\ub124\ub35c\ub780\ub4dc)<\/li>\n<li class=\"toc-level-3\">6.4.9 USS (\ub300\ud559\uad50 \ud1f4\uc9c1 \uc5f0\uae08 \uc81c\ub3c4, \uc601\uad6d)<\/li>\n<li class=\"toc-level-3\">6.4.10 \uc544\ud3ec\ub808 XXI \ubc14\ub178\ub974\ud14c (\uba55\uc2dc\ucf54)<\/li>\n<li class=\"toc-level-3\">6.4.11 \uc804\uad6d \uc804\uae30 \ubcf5\uc9c0 \uae30\uae08<\/li>\n<li class=\"toc-level-3\">6.4.12 \uc608\uae08\uae08\uace0 (\ud504\ub791\uc2a4)<\/li>\n<li class=\"toc-level-3\">6.4.13 ATP (\ub374\ub9c8\ud06c)<\/li>\n<li class=\"toc-level-3\">6.4.14 \uc5f0\ubc29 \ud1f4\uc9c1 \uc800\ucd95 \ud22c\uc790 \uc704\uc6d0\ud68c<\/li>\n<li class=\"toc-level-3\">6.4.15 \uc628\ud0c0\ub9ac\uc624 \uad50\uc6d0 \uc5f0\uae08 \uacc4\ud68d<\/li>\n<li class=\"toc-level-3\">6.4.16 \uc54c\ub809\ud0c0 (\uc2a4\uc6e8\ub374)<\/li>\n<li class=\"toc-level-3\">6.4.17 \uc720\ub2c8\uc288\ud37c (\ud638\uc8fc)<\/li>\n<li class=\"toc-level-3\">6.4.18 APG (\ub124\ub35c\ub780\ub4dc)<\/li>\n<li class=\"toc-level-3\">6.4.19 \uacf5\uacf5 \uc0ac\ud68c \ubcf4\uc7a5 \uae30\uad00 (\ucfe0\uc6e8\uc774\ud2b8)<\/li>\n<li class=\"toc-level-3\">6.4.20 \uc0ac\ud68c \ubcf4\ud5d8 \uc77c\ubc18 \uae30\uad6c (GOSI, \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c &amp; \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc5f0\uae30\uae08 \uc2dc\uc7a5 \uac1c\uc694: 2026-2031\ub144 \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d<\/p>\n<p>\uae00\ub85c\ubc8c \uc5f0\uae30\uae08 \uc2dc\uc7a5\uc740 2026\ub144 70.89\uc870 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144 92.83\uc870 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 5.55%\ub97c \uae30\ub85d\ud560 \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \ud655\uc815\uae09\uc5ec(DB) \uc81c\ub3c4\uc5d0\uc11c \ud655\uc815\uae30\uc5ec(DC) \uc81c\ub3c4\ub85c\uc758 \uc804\ud658, \uaddc\uc81c \uac15\ud654\ub85c \uc778\ud55c \ucc38\uc5ec \ubc0f \uae30\uc5ec\uae08 \uc99d\uac00, \uadf8\ub9ac\uace0 \uc548\uc815\uc801\uc778 \uc740\ud1f4 \ud6c4 \uc18c\ub4dd\uc744 \ucd94\uad6c\ud558\ub294 \uace0\ub839\ud654 \uc778\uad6c\uc758 \uafb8\uc900\ud55c \uc720\uc785\uc5d0 \ud798\uc785\uc740 \ubc14\uac00 \ud07d\ub2c8\ub2e4. \uc790\uc0b0 \ubc30\ubd84 \ud328\ud134\uc740 \uc800\uae08\ub9ac \ud658\uacbd \uc18d\uc5d0\uc11c \uc218\uc775\ub960\uc744 \ucd94\uad6c\ud558\uba70 \uc8fc\uc2dd, \uc778\ud504\ub77c \ubc0f \uae30\ud0c0 \uc0ac\ubaa8 \uc2dc\uc7a5 \uc790\uc0b0\uc73c\ub85c \uc9c0\uc18d\uc801\uc73c\ub85c \uc774\ub3d9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud589\uc815 \uc5c5\ubb34\ub97c \uc790\ub3d9\ud654\ud558\uace0 \ud68c\uc6d0 \uc140\ud504\uc11c\ube44\uc2a4\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uba70 \ubc31\uc624\ud53c\uc2a4 \ube44\uc6a9\uc744 \uc808\uac10\ud558\ub294 \ub514\uc9c0\ud138 \ub3c4\uad6c\uc758 \ubc1c\uc804\uc73c\ub85c, \uacfc\uac70\uc5d0\ub294 \ub300\ud615 \uc5f0\uae30\uae08\ub9cc\uc774 \ub204\ub9ac\ub358 \uaddc\ubaa8\uc758 \uc774\uc810\uc744 \uc911\uc18c\ud615 \uc5f0\uae30\uae08\ub3c4 \ud65c\uc6a9\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uacbd\uc7c1 \uad6c\ub3c4\ub294 \ub2e8\uc21c\ud55c \uc790\uc0b0 \uaddc\ubaa8\ub97c \ub118\uc5b4 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc6b4\uc601, \ub370\uc774\ud130 \uae30\ubc18 \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc218\ud0c1\uc790\ub4e4\uc774 \uc2e0\uc758\uc131\uc2e4 \uc758\ubb34\uc640 \uc0ac\ud68c\uc801 \uae30\ub300\ub97c \ucda9\uc871\ud558\ub3c4\ub85d \ub3d5\ub294 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uae30\ud6c4 \uc804\ub7b5\uc758 \uc870\ud569\uc73c\ub85c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc774\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc73c\ub85c, \ubd81\ubbf8\uac00 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30<\/p>\n<p>\uae00\ub85c\ubc8c \uc5f0\uae30\uae08 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\uc778\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ud655\uc815\uae09\uc5ec(DB) \uc81c\ub3c4\uc5d0\uc11c \ud655\uc815\uae30\uc5ec(DC) \uc81c\ub3c4\ub85c\uc758 \uc804\ud658: DC \uc81c\ub3c4\ub294 \uc774\ubbf8 \uc804 \uc138\uacc4 \uc5f0\uae08 \uc800\ucd95\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\uba70, 6.45%\uc758 \uc131\uc7a5\ub960\uc740 \ud22c\uc790 \uc704\ud5d8\uc774 \uace0\uc6a9\uc8fc\uc5d0\uc11c \uc9c1\uc6d0\uc73c\ub85c \uccb4\uacc4\uc801\uc73c\ub85c \uc7ac\ubc30\ubd84\ub418\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc601\uad6d, \ub124\ub35c\ub780\ub4dc, \ub3c5\uc77c \ub4f1 \uc8fc\uc694 \uad6d\uac00\uc758 \uac1c\ud601\uc740 DC \uc81c\ub3c4 \ub3c4\uc785\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc790\uc0b0 \uad00\ub9ac\uc790\ub4e4\uc5d0\uac8c \ubaa9\ud45c \uc2dc\uc810 \ud380\ub4dc(target-date funds)\ub85c\uc758 \uc790\uae08 \uc720\uc785 \uc99d\uac00\ub77c\ub294 \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n*   \uace0\ub839\ud654 \uc778\uad6c\uc640 \uc7a5\uc218 \uc704\ud5d8: \uae30\ub300 \uc218\uba85 \uc99d\uac00\ub294 \uc5f0\uae08 \ubd80\ucc44\ub97c \uc99d\uac00\uc2dc\ucf1c \uc5f0\uae30\uae08\uc774 \uc800\uc218\uc775 \uad6d\ucc44\uc5d0\uc11c \uae00\ub85c\ubc8c \uc8fc\uc2dd, \ubd80\ub3d9\uc0b0, \uc778\ud504\ub77c \ub4f1\uc73c\ub85c \uc804\ub7b5\uc801 \uc790\uc0b0 \ubc30\ubd84\uc744 \uc7ac\uc870\uc815\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \uc77c\ubcf8\uc758 \uacbd\uc6b0 \uc8fc\uc2dd \ub178\ucd9c\uc744 \ud655\ub300\ud558\uc5ec \uc0c1\ub2f9\ud55c \uc218\uc775\uc744 \ucc3d\ucd9c\ud588\uc73c\uba70, \ud55c\uad6d\uacfc \uc911\uad6d\ub3c4 \uc720\uc0ac\ud55c \uc8fc\uc2dd \ube44\uc911 \ud655\ub300\ub97c \uac80\ud1a0 \uc911\uc785\ub2c8\ub2e4. \uc7a5\uc218 \uc5f0\uacc4 \uc99d\uad8c, \uc5f0\uae08 \ub9e4\uc785, \ub9de\ucda4\ud615 \uc7ac\ubcf4\ud5d8 \uc194\ub8e8\uc158 \ub4f1 \ud601\uc2e0\uc801\uc778 \ud5e4\uc9c0 \uc218\ub2e8\uc5d0 \ub300\ud55c \uc218\uc694\ub3c4 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc790\ub3d9 \uac00\uc785 \ubc0f \uae30\uc5ec\uae08 \uc99d\uc561\uc744 \uc704\ud55c \uaddc\uc81c \uac15\ud654: \ubbf8\uad6d\uc758 SECURE 2.0 Act\uc640 \uac19\uc740 \uc785\ubc95\uc740 \uc758\ubb34 \uac00\uc785 \ubc0f \uae30\uc5ec\uae08 \uc99d\uc561 \uc77c\uc815\uc744 \ub3c4\uc785\ud558\uc5ec \uaddc\uc81c \uc900\uc218 \ubd80\ub2f4\uc744 \uac00\uc911\uc2dc\ud0a4\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \uc2a4\ud06c\ub9b0\ub4dc \uc778\ub371\uc2a4 \ud380\ub4dc \ubc0f \ud14c\ub9c8\ubcc4 \uc0ac\ubaa8 \uc2dc\uc7a5 \ud22c\uc790\ub85c\uc758 \uc790\uae08 \uc720\uc785\uc744 \ub298\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub300\uccb4 \uc790\uc0b0\uc73c\ub85c\uc758 \ub2e4\uac01\ud654: 2024\ub144\uae4c\uc9c0 \uc5f0\uae30\uae08\uc758 \ub300\uccb4 \uc790\uc0b0 \ubc30\ubd84\uc740 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 30% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 \uc0ac\ubaa8\ud380\ub4dc, \ubd80\ub3d9\uc0b0, \uc778\ud504\ub77c, \ud5e4\uc9c0\ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \ub300\uccb4 \uc790\uc0b0\uc5d0 \ub300\ud55c \ud22c\uc790\ub97c \ud1b5\ud574 \uc218\uc775\ub960\uc744 \ub192\uc774\uace0 \uc704\ud5d8\uc744 \ubd84\uc0b0\ud558\ub824\ub294 \uc804\ub7b5\uc758 \uc77c\ud658\uc785\ub2c8\ub2e4. \ud2b9\ud788, \uc778\ud50c\ub808\uc774\uc158 \ud5e4\uc9c0 \ubc0f \uc7a5\uae30\uc801\uc778 \uc548\uc815\uc801 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \uc5f0\uae30\uae08\uc758 \uc218\uc694\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uae30\uc220 \ubc1c\uc804\uacfc \ub370\uc774\ud130 \ubd84\uc11d: \uc778\uacf5\uc9c0\ub2a5(AI)\uacfc \uba38\uc2e0\ub7ec\ub2dd(ML) \uae30\uc220\uc740 \uc5f0\uae30\uae08\uc758 \ud22c\uc790 \uc804\ub7b5, \uc704\ud5d8 \uad00\ub9ac, \uc6b4\uc601 \ud6a8\uc728\uc131\uc744 \ud601\uc2e0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc815\uad50\ud55c \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \uc608\uce21\ud558\uace0, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc131\uacfc\ub97c \ucd5c\uc801\ud654\ud558\uba70, \ub9de\ucda4\ud615 \ud22c\uc790 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 \uac00\ub2a5\ud574\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc740 \uac70\ub798 \ud22c\uba85\uc131\uc744 \ub192\uc774\uace0 \ubc31\uc624\ud53c\uc2a4 \uc6b4\uc601\uc744 \uac04\uc18c\ud654\ud558\ub294 \ub370 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ubcc0\ud654\ub4e4\uc740 \uc5f0\uae30\uae08 \uc6b4\uc6a9\uc0ac\ub4e4\uc774 \ub04a\uc784\uc5c6\uc774 \uc9c4\ud654\ud558\ub294 \uc2dc\uc7a5 \ud658\uacbd\uc5d0 \uc801\uc751\ud558\uace0, \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \ud601\uc2e0\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ubaa8\uc0c9\ud558\ub3c4\ub85d \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uc9c1\uc5c5\ud615 \ud655\uc815\uae30\uc5ec(DC), \ud655\uc815\uae09\uc5ec(DB) \ubc0f \ud558\uc774\ube0c\ub9ac\ub4dc \uc5f0\uae08 \uc81c\ub3c4\ub97c \ud1b5\ud574 \uacf5\uacf5 \ubc0f \ubbfc\uac04 \ubd80\ubb38 \ud6c4\uc6d0\uc790\ub85c\ubd80\ud130 \ud1f4\uc9c1 \uae30\uc5ec\uae08\uc744 \uc218\ub839, \uad00\ub9ac \ubc0f \ud22c\uc790\ud558\ub294 \uc804\ubb38\uc801\uc73c\ub85c \uc6b4\uc6a9\ub418\ub294 \uc9d1\ud569 \ud22c\uc790 \uae30\uad6c\uc778 \uc804 \uc138\uacc4 \uc5f0\uae30\uae08 \uc2dc\uc7a5\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4. 2026\ub144 70\uc870 8,900\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc600\ub358 \uc2dc\uc7a5\uc740 2031\ub144\uae4c\uc9c0 92\uc870 8,300\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c\ub294 \ud655\uc815\uae09\uc5ec(DB)\uc5d0\uc11c \ud655\uc815\uae30\uc5ec(DC) \uc81c\ub3c4\ub85c\uc758 \uc804\ud658, \uace0\ub839\ud654 \ubc0f \uc7a5\uc218 \uc704\ud5d8 \uc99d\uac00, \uc790\ub3d9 \uac00\uc785 \ubc0f \uae30\uc5ec\uae08 \uc0c1\ud5a5 \uc870\uc815\uc744 \uc704\ud55c \uaddc\uc81c \uac15\ud654, \ub300\uccb4 \uc790\uc0b0\uc73c\ub85c\uc758 \ub2e4\uac01\ud654, \ud1a0\ud070\ud654\ub97c \ud1b5\ud55c \uc2e4\ubb3c \uc790\uc0b0 \uc811\uadfc\uc131 \ud655\ub300, \uae30\ud6c4 \uce5c\ud654\uc801 \uc778\ud504\ub77c \ud22c\uc790 \uc218\uc694 \uc99d\uac00 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc804\ud1b5\uc801\uc778 \ucc44\uad8c\uc758 \uc9c0\uc18d\uc801\uc778 \uc800\uc218\uc775\ub960\ub85c \uc778\ud574 \uc5f0\uae30\uae08\uc740 \uc778\ud50c\ub808\uc774\uc158 \uc5f0\ub3d9 \ud604\uae08 \ud750\ub984\uacfc \ub2e4\uac01\ud654 \uc774\uc810\uc744 \uc81c\uacf5\ud558\ub294 \uc778\ud504\ub77c, \uc0ac\ubaa8 \uc2e0\uc6a9 \ub4f1 \ub300\uccb4 \uc790\uc0b0\uc73c\ub85c\uc758 \ubc30\ubd84\uc744 \ub298\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc7a5\uae30\uc801\uc778 \uc800\uae08\ub9ac \ud658\uacbd, DB \uacc4\ud68d\uc758 \uc790\uae08 \ubd80\uc871, \uad6d\ub0b4 \ud22c\uc790 \uc758\ubb34\ub85c \uc778\ud55c \uc790\ubcf8\uc758 \uc815\uce58\ud654, \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubc0f \ub370\uc774\ud130 \uc720\ucd9c \uc704\ud5d8 \uc99d\uac00\ub294 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\uaddc\uc81c \ub2f9\uad6d\uc740 SECURE 2.0 Act\uc640 \uac19\uc740 \uc870\uce58\ub97c \ud1b5\ud574 \uc758\ubb34 \uac00\uc785 \ubc0f \uae30\uc5ec\uc728 \uc0c1\ud5a5 \uc870\uc815\uc744 \ub3c4\uc785\ud558\uc5ec \uc5f0\uae08 \uc800\ucd95\ub960\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc220 \ub610\ud55c \uc5f0\uae30\uae08 \uc0b0\uc5c5\uc5d0\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uad00\ub9ac, AI \uae30\ubc18 \ud68c\uc6d0 \ubd84\uc11d, \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc194\ub8e8\uc158\uc740 \uc6b4\uc601 \ube44\uc6a9 \uc808\uac10, \ucc38\uc5ec\ub3c4 \ud5a5\uc0c1, \ubbfc\uac10\ud55c \ub370\uc774\ud130 \ubcf4\ud638\uc5d0 \uae30\uc5ec\ud558\uba70, \uc81c\uacf5\uc5c5\uccb4 \uac04\uc758 \ud575\uc2ec \ucc28\ubcc4\ud654 \uc694\uc18c\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc740 \uacc4\ud68d \uc720\ud615(\ud655\uc815\uae30\uc5ec, \ud655\uc815\uae09\uc5ec, \ud558\uc774\ube0c\ub9ac\ub4dc), \ud22c\uc790 \uc804\ub7b5(\uc561\ud2f0\ube0c, \ud328\uc2dc\ube0c), \ud6c4\uc6d0\uc790 \uc720\ud615(\uacf5\uacf5, \ubbfc\uac04), \ud22c\uc790 \uc9c0\uc5ed(\uad6d\ub0b4, \ud574\uc678) \ubc0f \ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \ub4f1 \uc138\ubd80 \uc9c0\uc5ed\ubcc4\ub85c \ubd84\uc11d\ub429\ub2c8\ub2e4. \ud655\uc815\uae30\uc5ec(DC) \uc81c\ub3c4\ub294 \uc790\ub3d9 \uac00\uc785 \uc758\ubb34\ud654 \ubc0f \uae09\uc5ec \uae30\uc5ec\uae08 \uc99d\uac00\uc5d0 \ud798\uc785\uc5b4 \uc5f0\ud3c9\uade0 6.32%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc785\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uae30\uc5ec\uc728 \uc0c1\uc2b9, \uaddc\uc81c \uac1c\ud601, \uc911\uc0b0\uce35\uc758 \uae09\uc18d\ud55c \ud655\uc7a5\uc5d0 \ud798\uc785\uc5b4 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 6.65%\ub85c \uac00\uc7a5 \uac15\ub825\ud55c \uc131\uc7a5 \uc804\ub9dd\uc744 \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d, \uadf8\ub9ac\uace0 CalSTRS, \uc77c\ubcf8 \uacf5\uc801\uc5f0\uae08(GPIF), \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8(NPS), CalPERS, \uce90\ub098\ub2e4 \uc5f0\uae08 \ud22c\uc790 \uc704\uc6d0\ud68c(CPPIB) \ub4f1 \uc8fc\uc694 \uc5f0\uae30\uae08\uc758 \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ud380\ub4dc \uc774\uc0ac, \ud22c\uc790 \ucee8\uc124\ud134\ud2b8, \uaddc\uc81c \ub2f9\uad6d\uacfc\uc758 \uc2ec\uce35 \uc778\ud130\ubdf0(1\ucc28 \uc5f0\uad6c)\uc640 OECD, IMF, \uc138\uacc4\uc740\ud589 \ub4f1 \uad8c\uc704 \uc788\ub294 \uae30\uad00\uc758 \ud1b5\uacc4 \ubc0f \uacf5\uacf5 \uaddc\uc81c \uae30\uad00 \uc790\ub8cc(2\ucc28 \uc5f0\uad6c)\ub97c \uacb0\ud569\ud55c \uc5c4\uaca9\ud55c \uc5f0\uad6c \ubc29\ubc95\ub860\uc744 \ucc44\ud0dd\ud569\ub2c8\ub2e4. \uba85\ud655\ud55c \uc2dc\uc7a5 \ubc94\uc704 \uc815\uc758, \ud1b5\ud569\ub41c \ud3c9\uac00 \uae30\uc900\uc77c, \ud22c\uba85\ud55c \ubcc0\uc218 \uc124\uc815\uc740 \ubcf4\uace0\uc11c\uc758 \uc2e0\ub8b0\uc131\uc744 \ub192\uc774\uba70, \ub2e4\ub978 \uc81c\uacf5\uc5c5\uccb4\ub4e4\uc758 \ucd94\uc815\uce58\uc640 \ube44\uad50\ud558\uc5ec \ucc28\uc774\uc810\uc744 \uba85\ud655\ud788 \uc124\uba85\ud568\uc73c\ub85c\uc368 \uc758\uc0ac \uacb0\uc815\uc790\ub4e4\uc5d0\uac8c \uade0\ud615 \uc7a1\ud78c \uae30\uc900\uc120\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \uc5f0\uae30\uae08 \uc2dc\uc7a5\uc758 \ubbf8\ub798 \uae30\ud68c\uc640 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-28047","post","type-post","status-publish","format-standard","hentry","category-market-reports"],"_links":{"self":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/28047"}],"collection":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/comments?post=28047"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/28047\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=28047"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=28047"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=28047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}