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퇴직연금 수익률과 IRP 전략, 무엇이 달라졌나?

퇴직연금 수익률과 IRP 절세 전략
IRP 전략으로 퇴직연금 수익률 올리는 법

퇴직연금 수익률과 IRP 전략, 무엇이 달라졌나?

최근 금융권에서 퇴직연금 수익률에 대한 관심이 높아지고 있습니다. 2025년 기준, 퇴직연금 평균 수익률은 2%대 초반에 머물고 있어, 많은 근로자들이 IRP(개인형 퇴직연금) 계좌로 절세 및 수익률 개선 전략을 모색하고 있습니다.

📊 IRP 계좌가 왜 중요할까?

IRP는 예금, 채권, ETF 등 다양한 자산에 직접 투자할 수 있으며, 연 최대 700,000원의 세액공제 혜택을 받을 수 있습니다. 일반 직장인 외에도 자영업자와 퇴직자 모두 가입 가능해, 노후 준비 수단으로 각광받고 있습니다.

🔎 금융사별 수익률 차이 주의

2024년 기준, 동일한 금액을 IRP에 넣더라도 금융사에 따라 최대 5% 이상 수익률 차이가 발생합니다. 퇴직연금 수익률 비교와 IRP 전략 콘텐츠에서도 다루었듯, 수수료 구조와 운용 방식이 핵심 변수입니다.

💡 IRP 전략을 짤 때 고려할 점

  • 장기 운용 전제로 상품 구성 (중도 인출 불가)
  • ETF 중심 분산 투자 전략 권장
  • 수수료·TER(총보수비용비율) 낮은 상품 우선 고려

예금이나 단기 RP만으로 구성된 IRP는 물가 상승률을 따라잡기 어렵기 때문에, 일부 위험 자산 편입이 유리할 수 있습니다.

🔗 함께 읽으면 좋은 콘텐츠

퇴직연금 운용은 단순한 저축이 아니라 자산 전략입니다. IRP를 통해 수익률도 높이고 세금도 줄이는 맞춤 전략을 지금부터 실천해보세요.

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