<p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289297c6369646032546989a02048d4a2934a4__mn346069__w1183__h627__f93059__Ym201709.jpg" width="800" height="424" alt="1.jpg" class="chimg_photo" style="border:none;" filesize="93059"></div> <p></p> <p><font size="5">서울의 한 주택가 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">20</span>년 째 동네 문구점을 하고 있는 아저씨임</font></p> <p><span style="font-size:x-large;">요즘 경기가 어려워 한 달에 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">100</span><span style="font-size:x-large;">만원도 벌기 어렵다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">.</span></p> <p><span style="font-size:x-large;">그래도 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">20</span><span style="font-size:x-large;">년전 가입한 연금 보험이 있어 노후 걱정은 없다고 생각했다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">.</span></p> <p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289325d1510a392969432d973583d6c6463738__mn346069__w1181__h623__f128189__Ym201709.jpg" width="800" height="422" alt="2.jpg" class="chimg_photo" style="border:none;" filesize="128189"></div><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289350885834710a314364a566fc2ae2b164f9__mn346069__w1182__h624__f146888__Ym201709.jpg" width="800" height="422" alt="3.jpg" class="chimg_photo" style="border:none;" filesize="146888"><p></p> <p><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">24</span>만원 씩 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">15</span>년을 납입하면 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">60</span>세부터 해 마다 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">1400</span>만원<span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">~1600</span>만원씩 받고</font><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">60</span><span style="font-size:x-large;">세와 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">77</span><span style="font-size:x-large;">세</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">, 88</span><span style="font-size:x-large;">세 등에는 여행 자금과 장수 축하금도 나온다고 함 </span><span style="font-size:x-large;"><font color="#ff0000">그런데</font></span></p> <p><span style="font-size:x-large;"><font color="#ff0000"><br></font></span></p> <p><span style="font-size:x-large;"><font color="#ff0000"><br></font></span></p> <p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289352af70cbbb067f4a6d83eeda0bb289e8da__mn346069__w1173__h621__f72078__Ym201709.jpg" width="800" height="424" alt="4.jpg" class="chimg_photo" style="border:none;" filesize="72078"></div> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/150628935331493c292e8d4953b48ce8b256e512b2__mn346069__w1174__h618__f87094__Ym201709.jpg" width="800" height="421" alt="5.jpg" class="chimg_photo" style="border:none;" filesize="87094"></div> <div style="text-align:left;"><span lang="en-us" style="font-size:9pt;font-family:'함초롬바탕';letter-spacing:0pt;"><br></span></div> <div style="text-align:left;"><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">60</span>살이 되기 전 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">2</span>달 전에 첫 연금을 받아보니 </font></div> <div style="text-align:left;"><font size="5">가입 설계서엔 첫 해 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">1</span>년 동안 </font><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">1940</span><span style="font-size:x-large;">만원이 나온다고 적혀있었는데 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">실제 연금은 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">1040</span><span style="font-size:x-large;">만원을 받음 </span><span style="font-size:x-large;">그나마 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">61</span><span style="font-size:x-large;">세부턴 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">1</span><span style="font-size:x-large;">년에 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">500</span><span style="font-size:x-large;">만원 남짓 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">나온다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">. </span><font color="#ff0000"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">(</span><span style="font-size:x-large;">한 달에 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">4-50</span><span style="font-size:x-large;">만원 꼴임</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">)</span></font></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;">이 때문에 가족끼리 가려던 일본 여행도 취소하고 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">노후 계획이 완전히 틀어졌다고 함..</span></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">가입 당시엔 20</span><span style="font-size:x-large;">년 전에 가입했던 가입서엔 금리가 떨어져도 연 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">7.5% </span><span style="font-size:x-large;">보장해준다고 적혀있었음</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">. </span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;">화가 나서 보험사에 항의했더니 보험사 직원이 과일 들고 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">찾아와서 판결문 하나 </span><span style="font-size:x-large;">건네주고 가버렸다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">. </span></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">(</span><span style="font-size:x-large;">보험사 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">: </span><span style="font-size:x-large;">소송 함 걸어봐라 </span><span style="font-size:x-large;letter-spacing:0pt;">ㅋㅋ </span><span style="font-size:x-large;">니가 이길 수 있나</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">)</span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;">보험사들이 연금 가입을 권하는데 연금 상품 가입했다 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">손해본 사람들이 많다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">. </span></div> <div style="text-align:left;"><span style="font-size:x-large;">개인 연금은 국민 연금과 마찬가지로 노후 대비에 필요한데 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">무턱대고 가입했다 노후를 </span><span style="font-size:x-large;">완전히 망친다고 함 </span><span style="font-size:x-large;letter-spacing:0pt;">ㄷㄷ</span></div> <p></p> <p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062893561a8fb019ceac4c4894a6c0d30c652915__mn346069__w1179__h620__f106825__Ym201709.jpg" width="800" height="421" alt="6.jpg" class="chimg_photo" style="border:none;" filesize="106825"></div> <div style="text-align:left;"><font size="5">또 다른 사례 지난 달부터 연금을 받기 시작한 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">58</span>살 아주머니임</font></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289357f463cb17b951406191d56e3855e26905__mn346069__w1180__h619__f95953__Ym201709.jpg" width="800" height="420" alt="7.jpg" class="chimg_photo" style="font-size:9pt;border:none;" filesize="95953"></div> <div style="text-align:left;"><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">19</span>년전 가입 당시 안내 받았던 것보다 실제 수령액이 크게 줄음</font></div> <div style="text-align:left;"><font size="5">연 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">800</span>만원 예상액이었는데 올해 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">600</span>만원을 받고 있다고 함</font></div> <div style="text-align:left;"><span style="font-size:x-large;">그나마 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">60</span><span style="font-size:x-large;">세 되는 해에는 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">3-400</span><span style="font-size:x-large;">만원에 불과하다고 함</span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <p></p> <div style="text-align:left;"></div> <p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289359580ad214cb5c4262bd9f471d6f2944ce__mn346069__w1179__h618__f88141__Ym201709.jpg" width="800" height="419" alt="8.jpg" class="chimg_photo" style="font-size:9pt;border:none;" filesize="88141"></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">80</span><span style="font-size:x-large;">세까지 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">2</span><span style="font-size:x-large;">억 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">4</span><span style="font-size:x-large;">천만원 나온다던 연금액은 실제로 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">1</span><span style="font-size:x-large;">억원이 줄어들음</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">.. </span><span style="font-size:x-large;letter-spacing:0pt;">ㄷㄷ</span></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062893614978862e7aba41d886a7c29109876be7__mn346069__w1175__h618__f85696__Ym201709.jpg" width="800" height="421" alt="9.jpg" class="chimg_photo" style="font-size:9pt;border:none;" filesize="85696"></div> <div style="text-align:left;"><span style="font-size:x-large;">거의 용돈도 안되는 수준</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">..</span></div> <div style="text-align:left;"><span style="font-size:x-large;">현재 연금 받는 사람들의 가입 년도는 대부분 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">1990</span><span style="font-size:x-large;">년도에 가입했다고 함</span></div> <div style="text-align:left;"><span style="font-size:x-large;">연 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">7.5% </span><span style="font-size:x-large;">확정 금리를 보장 받는 조건이었다고 함</span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <p></p> <p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289363b2105c3825054f52b4d79c035242fbb0__mn346069__w1177__h620__f85924__Ym201709.jpg" width="800" height="421" alt="10.jpg" class="chimg_photo" style="border:none;" filesize="85924"></div> <div style="text-align:left;"><font size="5">또 다른 사례 </font></div> <div style="text-align:left;"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;"><font size="5"><br></font></span></div> <div style="text-align:left;"><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">88</span>살에 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">5265</span>만원 나온다던 아주머니인데</font></div> <div style="text-align:left;"><span style="font-size:x-large;">실제론 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">1000</span><span style="font-size:x-large;">만원 수령예정이라고 함 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">(-4000</span><span style="font-size:x-large;">만원 깎임</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">..)</span></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;"><br></span></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">왜 보험사들이 이렇게 지급을 할까?</span></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;"><br></span></div> <div style="text-align:left;"><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;"><br></span></div> <p></p> <p></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062893653078a3fd0e1244a9a24e9103642086a3__mn346069__w1196__h618__f87166__Ym201709.jpg" width="800" height="413" alt="11.jpg" class="chimg_photo" style="border:none;" filesize="87166"></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;">왜 보험사들은 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">7.5%</span><span style="font-size:x-large;">를 지키지 않냐면 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">연금엔 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">2</span><span style="font-size:x-large;">종류가 있는데</span></div> <div style="text-align:left;"><span style="font-size:x-large;">기본 연금과 배당 연금이 있다고 함 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">기본 연금 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">= </span><span style="font-size:x-large;">지급액이 확정된 것</span></div> <div style="text-align:left;"><span style="font-size:x-large;">배당 연금 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">= </span><span style="font-size:x-large;">보험사가 수입에 따라 배당하는 연금을 말함</span></div> <div style="text-align:left;"><span style="font-size:x-large;">그런데 최저 보장이율 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">7.5%</span><span style="font-size:x-large;">가 보장되는 항목은 기본 연금만이고</span></div> <div style="text-align:left;"><span style="font-size:x-large;">배당연금에는 적용이 안된다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">.</span></div> <div style="text-align:left;"><span style="font-size:x-large;"><br></span></div> <div style="text-align:left;"><span style="font-size:x-large;">이 때문에 이 아주머니 같은 경우 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">940</span><span style="font-size:x-large;">만원을 준다던 배당 예상액이</span></div> <div style="text-align:left;"><span style="font-size:x-large;">실제론 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">41</span><span style="font-size:x-large;">만원만 지급된 거라고 함 <font face="함초롬바탕">(이거 사기 아님?)</font></span></div> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062893671f1e11d86bf64d1a8dcc211fd83a1ada__mn346069__w1176__h619__f129741__Ym201709.jpg" width="800" height="421" alt="12.jpg" class="chimg_photo" style="font-size:9pt;border:none;" filesize="129741"></div> <div style="text-align:left;"><span style="font-size:x-large;">보험사들이 가입 설계서에 그림 그려서 팔아왔는데 </span></div> <div style="text-align:left;"><span style="font-size:x-large;">정확히 들어맞은 적이 없다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">.</span></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><br></div> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/150628936812ef148d3eb24e1e931b64c28a74e81f__mn346069__w1166__h615__f56212__Ym201709.jpg" width="800" height="422" alt="13.jpg" class="chimg_photo" style="font-size:9pt;border:none;" filesize="56212"></div> <p></p> <p><font size="5">그래서 보험사에 따졌는데 보험사에서 직원을 하나 보내더니 </font><span style="font-size:x-large;">미안하다고 슬리퍼 하나 주고 갔다고 함 </span><span style="font-size:x-large;letter-spacing:0pt;">ㅋㅋㅋㅋ</span></p> <p><br></p> <p><br></p> <p><br></p> <p><br></p> <p><img src="http://thimg.todayhumor.co.kr/upfile/201709/150628936972430c93757c42f3be12f43bc8c64082__mn346069__w1183__h625__f102234__Ym201709.jpg" width="800" height="423" alt="14.jpg" class="chimg_photo" style="font-size:9pt;border:none;" filesize="102234"></p> <p><font size="5">보험사에선 작은 글씨로 쓰여있지만 가입 설계서에 배당 연금은 변동될 </font><span style="font-size:x-large;">수 있다고 </span><span style="font-size:x-large;">썼기 때문에 법적으로 문제 없다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">. </span><span style="font-size:x-large;">보험사도 손해가 커져서 배당 연금 </span><span style="font-size:x-large;">못준다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">. </span></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289962bab9b0b704f042bda332fa91e9c40896__mn346069__w1173__h621__f82536__Ym201709.jpg" width="800" height="424" alt="15.jpg" class="chimg_photo" style="border:none;" filesize="82536"></div> <div style="text-align:left;">가입할 때 수익 안난다고 말은 했을까?</div> <div style="text-align:left;">일단 가입 시키고 돈 벌자는 심보로 보임</div> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/150628996300a577e2a1c546aba56fee8d4d4d7854__mn346069__w1173__h617__f77305__Ym201709.jpg" width="800" height="421" alt="16.jpg" class="chimg_photo" style="border:none;" filesize="77305"></div> <p></p> <p><font size="5">금융 감독원도 법적으로 어찌 못한다고 함</font></p> <p><span style="font-size:x-large;"><br></span></p> <p><span style="font-size:x-large;">금리에 따라 연동되는 연금들도 불만이 많기는 마찬가지라고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">.</span></p> <p><span style="font-size:x-large;">즉시 연금 상품에 가입한 또 다른 사례</span></p> <p><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;"></span></p> <div style="text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062899649eab536005844afeb526ab8b710c8c60__mn346069__w1176__h621__f71397__Ym201709.jpg" width="800" height="422" alt="17.jpg" class="chimg_photo" style="border:none;" filesize="71397"></div> <p></p> <p><font size="5">이 분은 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">2012, 2014</span>년에 즉시 연금 상품에 각각 가입했다고 함<span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">.</span></font></p> <p><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">2 </span>개의 상품에 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">5000</span>만원 씩 각각 일시에 납입했고 이자 생활비처럼</font></p> <p><font size="5">매달 연금이 지급되는 상품이라고 함<span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">.</span></font></p> <div> <p><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">2</span>개 상품이 똑같은 보험사이고 상품도 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">2</span>개가 똑같음</font></p> <p><font size="5">근데 유독 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">1</span>개 상품이 매달 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">12</span>만원에서 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">9</span>만원으로 깎였다고 함<span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">.</span></font></p> <p><font size="5">공시 이율이라는 법으로 정해진 것이 존재하는데</font></p> <p><font size="5">보험사 측에선 공시 이율이 떨어져서 그렇게 지급했다고 함</font></p></div> <p><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;"></span></p> <div style="text-align:left;"><br></div> <div style="font-size:x-large;text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062899668d3ba9c2f26f4d289823a061f2aed618__mn346069__w1173__h616__f53320__Ym201709.jpg" width="800" height="420" alt="18.jpg" class="chimg_photo" style="border:none;" filesize="53320"></div> <p></p> <p><font size="5">보험 상품 중에서 가장 불만이 쏟아지는 상품은 변액 연금의 구조</font></p> <p><font size="5">변액 연금이 예를 들어 가입자가 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">100</span>만원을 내면</font></p> <p><span style="font-size:x-large;">회사에서 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">11</span><span style="font-size:x-large;">만원을 떼어가고 나머지 </span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">89</span><span style="font-size:x-large;">만원을 펀드에 투자해</span></p> <p><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">12% </span><span style="font-size:x-large;">이상 수익을 내야 원금을 회복할 수 있음</span></p> <p><span style="font-size:x-large;">그런데 요즘 같이 경제 환경이 나쁘고 저금리 시대가 계속 되면</span></p> <p><span style="font-size:x-large;">꾸준히 수익을 내는 것은 불가능에 가깝다고 함</span></p> <p><font size="5"><br></font></p> <p><font size="5"><br></font></p> <p><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;"></span></p> <div style="font-size:x-large;text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062899694b76b653b3744a61b5393fbe1b0acf61__mn346069__w1177__h624__f137066__Ym201709.jpg" width="800" height="424" alt="19.jpg" class="chimg_photo" style="border:none;" filesize="137066"></div> <p></p> <p><font size="5">실제 한 해만 조사한 변액 상품들을 보면 죄다 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">- </span>들임 <span style="letter-spacing:0pt;">ㄷㄷ</span></font></p> <p><font size="5">알만한 기업들 거의 다 나옴 <span style="letter-spacing:0pt;">ㄷㄷ</span></font></p> <p><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;"></span></p> <div style="font-size:x-large;text-align:left;"><br></div> <div style="font-size:x-large;text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/15062899712a9ceed0e3824e6bb683c22c8d17479f__mn346069__w1174__h619__f64900__Ym201709.jpg" width="800" height="422" alt="20.jpg" class="chimg_photo" style="border:none;" filesize="64900"></div> <p></p> <p><font size="5">보험사들은 사업비를 뺀 적립금 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">89</span>만원만으로 수익률을 계산하기 때문에</font></p> <div> <p><font size="5">적립금 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">89</span>만원이 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">98</span>만원이 되면 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">10% </span>고수익이라고 발표해버린다고 함</font></p> <p><font size="5">소비자가 보기엔 이익으로 착각하기 쉬운데 실제론 손해보는 거임</font></p> <p><font size="5"><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">(</span>숫자 가지고 장난치는 거 보소 <span style="letter-spacing:0pt;">ㅡㅡㅋ</span><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">)</span></font></p></div> <p><span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;"></span></p> <div style="font-size:x-large;text-align:left;"><br></div> <div style="font-size:x-large;text-align:left;"><img src="http://thimg.todayhumor.co.kr/upfile/201709/1506289973afd1d067b700428487afd4c091ca5f4e__mn346069__w1015__h582__f102559__Ym201709.jpg" width="800" height="459" alt="21.jpg" class="chimg_photo" style="border:none;" filesize="102559"></div> <p></p> <p><font size="5">이런 식으로 감안해서 본 결과 최근 <span lang="en-us" style="font-family:'함초롬바탕';letter-spacing:0pt;">3</span>년간 모든 변액연금의 수익률이 </font></p> <p><font size="5">마이너스로 </font><span style="font-size:x-large;">조사가 됐다고 함 ㅡㅡ</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">...</span></p> <div> <p><font size="5">변액 연금의 이러한 특성을 모를 경우에 </font></p> <p><font size="5">그냥 안정적인 금융 상품에 가입하라고 함</font></p> <p><font size="5"><br></font></p> <p><font size="5">전문가가 끝으로 본인이 금융 지식에 자신이 없고 적립할 기간이 짧다고 생각되면 </font><span style="font-size:x-large;">변액 연금</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">, </span><span style="font-size:x-large;">실적 배당형 연금보단 은행이나 자산운용회사에서 하는 국공채형 </span><span style="font-size:x-large;">즉 안정형 상품으로 가입하라고 조언해줌</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">..</span></p> <p><span style="font-size:x-large;"><br></span></p> <p><span style="font-size:x-large;">그리고 이러한 피해에 대해서 금융 감독원은 대책 마련해보겠다고 함</span><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">..</span></p> <p><span lang="en-us" style="font-size:x-large;font-family:'함초롬바탕';letter-spacing:0pt;">근데 이거 16년도에 나왔던 건데 대책 마련이 있음?</span></p></div>