퇴직연금 수익률과 IRP 전략, 무엇이 달라졌나?

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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