- Pension Call Center
- 1599-2080
In accordance with the Regulations on Retirement Pension, investment amount limits are set according to investment type and options. This is done to prevent possible losses stemming from investment in risky products.
By doing so, an employee’s pensionable right to receive retirement pay can be protected.
| Category | Prohibited investments | |
|---|---|---|
| Securities | Equity securities | Unlisted stocks, overseas non-qualified market stocks, derivatives funds, some special purpose funds |
| Debt securities | Bonds with a non-qualified rate for investment | |
| Beneficiary certificates | Derivatives funds, beneficiary certificates with a non-qualified rate for investment | |
| Derivatives (embedded) securities | Private placement, maximum loss rate exceeding 40% | |
| Depository receipts | Depository receipts not listed on the Korean market | |
| Investment contracts | All such investments are prohibited | |
| Derivatives | Derivatives contracts having a purpose(s) other than risk aversion | |
| Investment-linked insurance | Same standard as beneficiary certificates is applied | |
| Category | DB | DC / Personal IRP | |
|---|---|---|---|
| Assets whose principal is not guaranteed | Investment permitted up to 70% of total limit | ||
| Classification | Equity securities (i.e.: stocks) |
Investment prohibited | |
| Debt securities (i.e.: bonds) |
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| Fund (stock-type, stock mixed type) |
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| Derivatives (embedded) securities (i.e.: ELB) |
(Maximum losses 10% ~ 40%) Investment prohibited |
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| Private equity funds | Investment prohibited | ||
| Depository receipts | Investment prohibited | ||
| Derivatives | Only with the purpose hedge | ||
| Type | Classification | Investment limit |
|---|---|---|
| DB | ① Securities issued by same company, etc. (except collective investment securities)
※ Limits will be applied according to category of securities: equity securities, and securities excluding equity securities |
Up to 10% of reserves |
| ② Securities issued by a company engaged in the same industry (except collective investment securities)
※ Limits will be applied according to category of securities: equity securities, and securities excluding equity securities |
Up to 15% of reserves | |
| ③ Securities issued by an affiliated company of an employer or an associate accounted for using the equity method defined in business accounting (except for collective investment securities)
※ Limits will be applied according to category of securities: equity securities, and securities excluding equity securities |
Up to 5% of reserves | |
| ④ Securities issued by one in a relationship with an employer of a parent company or subsidiary (interested party) in accordance with Article 1-3, paragraph 1 of the Enforcement Decree of the Act on External Audit of Stock Companies | Investment prohibited | |
| DC/IRP | ① Securities issued by an affiliated company of an employer or an associate accounted for using the equity method defined in business accounting (except for collective investment securities) | Up to 10% of reserves |
| ② Securities issued by the same company (except for collective investment securities) | Up to 30% of reserves | |
| ③ Securities issued by a company engaging in the same industry (except collective for investment securities) | Up to 40% of reserves |
As of July 1, 2015, in accordance with Financial Services Commission’s amended regulations, regardless of amount of reserves, the purchase (including re-deposit) of our Bank’s principal guaranteed products (Hana Bank time deposit) is limited.