Who is responsible for asset management in retirement pension plans?
- Responsibility for asset management differs according to the type of retirement pension plan.
- DB Plan: Employer (Plan sponsor)
- DC Plan & Personal IRP: Employee (Plan participant)
With the DB plan, the employer is responsible for asset management and holds final authority.
On the other hand, with the DC plan, each participant is responsible for asset management and holds authority.
- Identify investment style
Identify individual investment style through analysis provided by Hana Bank retirement pension
- Establish investment goal and analyze market status
- DB Plan: Provide asset management consulting service to establish corporate management goal
- DC plan and personal IRP: provide investment style analysis and retirement planning simulation service
- Provide various reports including Hana Happiness Guide, etc. published by Hana Bank Retirement Pension
- Allocate assets Select investment product and make portfolios
Select investment products and design Kportfolios suitable for management goal and investment style
- Monitor management status
- Send management status report quarterly
- Provide target earnings rate notification service
- Identify management status through retirement pension cyber counter
- Rebalance assets
Modify investment products based on management results and market status
- When collective investment securities is selected as a investment method, because it is an investment-linked product, interest earnings or loss of principal based on operating results lies with the investor.
- Collective investment products are not protected by the Korea Deposit Insurance Corp. under the Depositor Protection Act.
- Before enrolling in a fund, please read guide to investment, addressing where to invest, how to redeem, fees, etc