{"id":3221,"date":"2026-02-28T23:44:14","date_gmt":"2026-02-28T14:44:14","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/28\/post-20260228-144414-1354\/"},"modified":"2026-03-11T13:38:58","modified_gmt":"2026-03-11T04:38:58","slug":"post-20260228-144414-1354","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/28\/post-20260228-144414-1354\/","title":{"rendered":"\uc5f0\uae08 \uad6c\uc870\uac1c\ud601\uc774 \ud544\uc694\ud55c \uc774\uc720\ub4e4(22\ub300 \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704 5\ucc28 \uc790\ubb38\uc704\uc6d0\ud68c \ubc1c\uc5b8)"},"content":{"rendered":"

(\uc81c\ub300\ub85c \ub41c \uad6c\uc870\uac1c\ud601\uc744 \ub17c\uc758\ud558\uae30 \uc704\ud574 \ucd9c\ubc94\ud55c 22\ub300 \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704, \ud2b9\ud788 \uc790\ubb38\uc704\uc6d0\ud68c\uac00 \uac08\ud53c\ub97c \uc7a1\uc9c0 \ubabb\ud558\uba74\uc11c \uc9c4\ud589\ub418\uace0 \uc788\ub2e4.<\/span><\/strong><\/span><\/p>\n

\uacbd\uc885\uc744 \uc6b8\ub9ac\ub294 \ucc28\uc6d0\uc5d0\uc11c<\/span> 2026\ub144 2\uc6d4 27\uc77c \uad6d\ud68c\uc5d0\uc11c \uac1c\ucd5c\ub41c 5\ucc28 \ud68c\uc758\uc758 \uc8fc\uc694 \ubc1c\uc5b8\uc744 \uc62c\ub9b0\ub2e4. <\/strong><\/span><\/p>\n

\ud68c\uc758\ub85d\uc774 \uacf5\uac1c\ub418\uae30\uae4c\uc9c0 \uc0c1\ub2f9\ud55c \uc2dc\uc77c\uc774 \uc18c\uc694\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc5b4\uc11c\ub2e4!!<\/span><\/strong><\/span><\/p>\n

\uc5f0\uae08\uc5f0\uad6c\ud68c \ub9ac\ub354\uc774\uba74\uc11c \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704 \uc790\ubb38\uc704\uc6d0\uc778 \uc724\uc11d\uba85 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uba85\uc608\uc5f0\uad6c\uc704\uc6d0\uc758 \ubc1c\uc5b8\uc744 \uc62c\ub9b0\ub2e4.)<\/strong><\/span><\/span><\/p>\n

\uc791\ub144 \ud558\ubc18\uae30 \uc774\ud6c4 \ucf54\uc2a4\ud53c \uc9c0\uc218\uac00 \uae09\ub4f1\ud574 \uad6d\ubbfc\uc5f0\uae08 \ud22c\uc790\uc218\uc775\ub960\uc774 \ub192\uc544\uc9c0\uba74\uc11c \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \uc774\uc0ac\uc7a5\uacfc \uae30\ud68d\uc774\uc0ac\uc758 \uc5b8\ub860 \ub178\ucd9c\uc774 \ub9ce\uc544\uc9c0\uace0 \uc788\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uae30\uae08 \uc6b4\uc601 \uc218\uc775\uc728\uc774 \ub192\uc544\uc9c0\uace0 \uc788\uc74c\uc744 \ub4e4\uba74\uc11c “2090\ub144\uae4c\uc9c0\ub3c4 \uad6d\ubbfc\uc5f0\uae08 \uae30\uae08 \uc18c\uc9c4\uc744 \uac71\uc815\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub420 \uc218 \uc788\uac8c \ub418\uc5c8\ub2e4”<\/span>\ub294 \ubc1c\uc5b8\uc774 \ub300\ud45c\uc801\uc774\ub2e4.<\/strong><\/span><\/p>\n

\uc791\ub144, \uc989 2025\ub144 \uc8fc\uc694 \uad6d\uac00\ub4e4\uc758 \uc5f0\uae30\uae08 \ud22c\uc790 \uc218\uc775\ub960\uc774 \ubc1c\ud45c\ub418\uc5c8\ub2e4. <\/strong><\/span><\/p>\n

\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc740\u00a0 \ud22c\uc790 \uc218\uc775\uc728 18.8%\ub85c \uc804 \uc138\uacc4 \ucd5c\uace0\ub97c \uae30\ub85d\ud588\ub2e4. <\/strong><\/span><\/p>\n

\ube44\uad50 \ub300\uc0c1\uc778 \ub178\ub974\uc6e8\uc774(15.1%), \uc77c\ubcf8(12.3%)\ub3c4 \ub192\uc740 \uc218\uc775\uc728\uc744 \uc62c\ub838\ub2e4.<\/span><\/strong> <\/span><\/p>\n

\ubc18\uba74\uc5d0 \ube44\uad50 \ub300\uc0c1\uc73c\ub85c \uc790\uc8fc \uc5b8\uae09\ub418\ub294 \uce90\ub098\ub2e4(7.7%)\uc640 \ub124\ub35c\ub780\ub4dc(-1.6%)\uc758 \uc2e4\uc801\uc740 \uacfc\ud788 \uc88b\uc9c0 \uc54a\ub2e4. <\/strong><\/span><\/span><\/p>\n

\ub124\ub35c\ub780\ub4dc ABP\ub294 \ub9c8\uc774\ub108\uc2a4\uc758 \uae30\uae08\uc6b4\uc6a9 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\uae30\uae4c\uc9c0 \ud588\ub2e4. <\/strong><\/span><\/span><\/p>\n

\uc774\ucc98\ub7fc \uc5f0\uae30\uae08 \uc6b4\uc6a9 \uc2e4\uc801\uc740 \ud574\ub2f9 \uad6d\uac00\uac00 \ucc98\ud55c \ud658\uacbd \ub610\ub294 \uc5ec\uac74\uc5d0 \ub530\ub77c \uc0c1\uc774\ud558\uac8c \ub098\ud0c0\ub098\uac8c \ub41c\ub2e4.\u00a0<\/strong><\/span><\/p>\n

\uc774\uc81c \uc5f0\uae08\uac1c\ud601 \uad00\ub828\ud558\uc5ec \uc8fc\ubaa9\ud574\uc57c \ud560 \uc9c0\uc810\uc774 \uc788\ub2e4. <\/strong><\/span><\/p>\n

\ud754\ud788 \ube44\uad50 \ub300\uc0c1\uc73c\ub85c \uac70\ub860\ub418\ub294 \uad6d\uac00\ub4e4\uc774 “\uc6b0\ub9ac\uc640\ub294 \ube44\uad50\ud558\uae30 \uc5b4\ub824\uc6b8 \uc815\ub3c4\ub85c \ub354 \ub9ce\uc774 \ubd80\ub2f4\ud558\uba74\uc11c\ub3c4 \uc801\uac8c \ubc1b\ub294 \uc5f0\uae08\uc81c\ub3c4\ub97c \uc6b4\uc601”<\/span>\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/strong><\/span><\/p>\n

\ub178\ub974\uc6e8\uc774 \uc608\ubd80\ud130 \ub4e4\uc5b4\ubcf4\uc790. <\/strong><\/span><\/p>\n

\ub178\ub974\uc6e8\uc774\ub294 \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc758 \ub450\ubc30\uac00 \ub118\ub294 \uc57d 3250\uc870\uc6d0<\/span>(2025\ub144 \ub9d0 \uae30\uc900\uc73c\ub85c 21.3 Kroner)\uc73c\ub85c \uc138\uacc4 \ucd5c\ub300 \uaddc\ubaa8\uc758<\/span>\u00a0\uad6d\ubd80\ud380\ub4dc\ub97c \uc6b4\uc601\ud558\uace0 \uc788\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ub178\ub974\uc6e8\uc774 \uc778\uad6c\uac00 \uc6b0\ub9ac\uc758 10\ubd84\uc758 1 \uc218\uc900\uc774\ub2e4\ubcf4\ub2c8 1\uc778\ub2f9 \uae30\uc900\uc73c\ub85c\ub294 \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc758 20\ubc30\uac00 \ub118\ub294 \uc801\ub9bd\uae08\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4\ub294 \uc758\ubbf8\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc774\ub7ec\ud55c \ub178\ub974\uc6e8\uc774\ub294 18.1%\ub97c \ubd80\ub2f4\ud558\uba74\uc11c \uc18c\ub4dd\ub300\uccb4\uc728\uc740 42%\ub97c \uc81c\uacf5\ud55c\ub2e4. <\/strong><\/span><\/p>\n

\ub178\ub974\uc6e8\uc774 \uc5f0\uae08\uc7ac\uc815 \ucd94\uacc4\ub97c \ub2f4\ub2f9\ud588\ub358 \ud1b5\uacc4\uccad \uc18c\uc18d\uc758 \ud06c\ub8e8\uc81c(Herman Kruse) \ubc15\uc0ac<\/strong><\/span>\uac00 \uc9c1\uc811 \uc54c\ub824\uc900 \uc218\uce58\ub2e4.<\/span><\/p>\n

\uae30\uae08 \uc6b4\uc6a9\uc5d0\uc11c \ud754\ud788 \ubca4\uce58\ub9c8\ud0b9\uc758 \ub300\uc0c1 \uad6d\uac00\ub85c \uc5b8\uae09\ub418\ub294<\/span> \uce90\ub098\ub2e4(CPP)\ub294 11.9%\uc758 \ubcf4\ud5d8\ub8cc\ub97c \ubd80\ub2f4\ud558\uba74\uc11c 33.3% \uc218\uc900\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \uc81c\uacf5\ubc1b\ub294\ub2e4.<\/strong><\/span><\/span><\/p>\n

\uc6b0\ub9ac\uac00 \uc5f0\uae08\uc81c\ub3c4\ub97c \ubc30\uc6cc \uc628 \uc77c\ubcf8\uc740 \uc5b4\ub5a0\ud55c\uac00?? 18.3%\ub97c \ubd80\ub2f4\ud558\uba74\uc11c 32%\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/span><\/strong><\/span><\/span><\/p>\n

2026\ub144 9.5%\ub97c \ubd80\ub2f4\ud558\ub294 \uad6d\ubbfc\uc5f0\uae08\uc740 \uc62c \ud574 \uc77c\uc2dc\uc5d0 3%\ud3ec\uc778\ud2b8(7.5%)\ub97c \uc62c\ub824 43%\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \uc81c\uacf5\ud55c\ub2e4. <\/span><\/strong><\/span><\/p>\n

OECD \uae30\uc900\uc73c\ub85c\ub294 31% \uc218\uc900\uc774\ub77c\uace0 \ud56d\ubcc0\ud560 \uc218\ub3c4 \uc788\uc744 \uac83 \uac19\uc73c\ub098,<\/span><\/p>\n

\ub178\ub974\uc6e8\uc774, \uce90\ub098\ub2e4, \uc77c\ubcf8\ucc98\ub7fc<\/strong><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870\uac1c\ud601\uc744 \ud1b5\ud574 100% \uc18c\ub4dd\ube44\ub840\uc5f0\uae08\uc73c\ub85c \uc804\ud658\uc2dc\ud0a8\ub2e4\uba74<\/span> \ubaa8\ub4e0 \uc18c\ub4dd\uacc4\uce35\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc740 43%\uac00 \ub41c\ub2e4.<\/strong><\/span><\/p>\n

\uc774\uc81c \uadfc\ubcf8\uc801\uc778 \uc9c8\ubb38\uc744 \ud560 \ub54c\ub2e4. <\/span><\/p>\n

\uc774\ub4e4 \uad6d\uac00\ub294 \uc65c? \uc774\ub7f0 \uc5f0\uae08\uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc744\uae4c? <\/strong><\/span><\/p>\n

\uc774\ub4e4 \uad6d\uac00 \ubaa8\ub450, \uc6b0\ub9ac\uac00 \uc5f0\uae08\uc81c\ub3c4 \uc6b4\uc601\uc744 \ubc30\uc6cc\uc57c \ud560 \uc5f0\uae08 \uc120\uc9c4\uad6d\ub4e4\uc774\ub2e4 \ubcf4\ub2c8<\/strong><\/span><\/p>\n

\ub610 \uc6b0\ub9ac\ucc98\ub7fc \ub9ce\uc740 \uc801\ub9bd\uae08\uc744 \ubcf4\uc720\ud55c \uad6d\uac00\ub4e4\uc774\ub2e4 \ubcf4\ub2c8 \ud2b9\ud788 \uadf8\ub7ec\ud558\ub2e4!!<\/strong><\/span><\/p>\n

\uc6b0\ub9ac \uc0c1\ud669\uc774 \uc774\ub7ec\ud568\uc5d0\ub3c4 \uad6d\ubbfc\uc5f0\uae08\uacfc \uae30\ucd08\uc5f0\uae08 \uc9c0\uae09\uc561\uc744 \ub354 \uac15\ud654\ud558\uc790\ub294 \uc8fc\uc7a5\uc774 \ub098\uc624\uace0 \uc788\ub2e4. <\/strong><\/span><\/p>\n

\uc6b0\ub9ac \ud604\uc2e4\uc744 \uace0\ub824\ud558\uc9c0 \uc54a\uc740 ‘\ud76c\ub9dd \uc0ac\ud56d’\uc758 \ub098\uc5f4\ub85c \ubcf4\uc5ec\uc9c4\ub2e4\uace0 \ud310\ub2e8\ud558\ub294 \ubc30\uacbd\uc774\ub2e4.<\/span><\/strong><\/p>\n

\uccad\ub144\ud589\ubcf5 \uc8fc\ud0dd \ub4f1\uc744 \uac74\uc124\ud574\uc11c \ucd9c\uc0b0\uc728\uc744 \ub192\uc778\ub2e4\uba74 \uc6b0\ub9ac\uac00 \ucc98\ud55c \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc5d0\uc11c \ubc97\uc5b4\ub0a0 \uc218 \uc788\ub2e4\ub294 \uc8fc\uc7a5 \uc5ed\uc2dc \uc0ac\uc2e4\uacfc \ub2e4\ub974\ub2e4.<\/span><\/p>\n

\uc6b0\ub9ac \uc5f0\uae08\uc81c\ub3c4\ub294 “\ub0b8\uac83\ubcf4\ub2e4 \ub354 \ub9ce\uc774 \ubc1b\ub294 \uc81c\ub3c4”\ub85c \uc6b4\uc601\ub418\ub2e4 \ubcf4\ub2c8, <\/strong><\/span><\/p>\n

\ud604\ud589 \uc81c\ub3c4\ub97c \uc720\uc9c0\ud558\ub294 \ud55c \ucd9c\uc0b0\uc728\uc744 \ub192\uc5ec \uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uc790\ub97c \ub354 \ub298\ub9b4 \uacbd\uc6b0, <\/strong><\/span><\/p>\n

\uc624\ud788\ub824 \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc7ac\uc815\uc0c1\ud669\uc744 \ub354 \uc545\ud654\uc2dc\ud0a4\uac8c \ub41c\ub2e4!!<\/strong><\/span><\/p>\n

\ucd5c\uc18c\ud55c \uc774\ub7f0 \uae30\ubcf8\uc801\uc778 \ud399\ud2b8\ub294 \uacf5\uc720\ud558\uba74\uc11c \uc790\ubb38\uc704\uc6d0\ud68c\uc5d0\uc11c \uc5f0\uae08\uac1c\ud601 \ub17c\uc758\uac00 \uc774\ub8e8\uc5b4\uc838\uc57c \ud560 \uac83\uc774\ub2e4.<\/strong><\/span><\/p>\n

(\ucc38\uace0\ub85c \uc774\ub4e4 \uad6d\uac00\ub294 \ub300\ud55c\ubbfc\uad6d\uc758 \uae30\ub4dd\uad8c \uc138\ub825\ub4e4\uc774 \uadf8\ub807\uac8c\ub3c4 \uac15\ud558\uac8c \ub3c4\uc785\uc744 \ubc18\ub300<\/span>\ud558\ub294 \uc790\ub3d9\uc870\uc815\uc7a5\uce58\ub97c \uc774\ubbf8 \uc624\ub798 \uc804\uc5d0 \ub3c4\uc785\ud588\ub2e4!!)<\/strong><\/span><\/p>\n

2025\ub144 3\uc6d4 20\uc77c \uad6d\ubbfc\uc5f0\uae08 \uac1c\uc545\uc548\uc774 \ud1b5\uacfc\ub418\uae30 \ud558\ub8e8 \uc804, <\/strong><\/span><\/p>\n

\uc790\ub3d9\uc870\uc815\uc7a5\uce58 \ub3c4\uc785\uc774 \uc2dc\uae09\ud568\uc744 \uac15\uc870\ud558\ub294 YTN \ubc29\uc1a1 \ub0b4\uc6a9\uc744 \ucca8\ubd80\ud55c\ub2e4.<\/strong><\/span><\/p>\n

https:\/\/youtu.be\/OMkeHrYRClo?si=u8VrVgyzbSLvSQyk<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

(\uc81c\ub300\ub85c \ub41c \uad6c\uc870\uac1c\ud601\uc744 \ub17c\uc758\ud558\uae30 \uc704\ud574 \ucd9c\ubc94\ud55c 22\ub300 \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704, \ud2b9\ud788 \uc790\ubb38\uc704\uc6d0\ud68c\uac00 \uac08\ud53c\ub97c \uc7a1\uc9c0 \ubabb\ud558\uba74\uc11c \uc9c4\ud589\ub418\uace0 \uc788\ub2e4. \uacbd\uc885\uc744 \uc6b8\ub9ac\ub294 \ucc28\uc6d0\uc5d0\uc11c 2026\ub144 2\uc6d4 27\uc77c \uad6d\ud68c\uc5d0\uc11c \uac1c\ucd5c\ub41c 5\ucc28 \ud68c\uc758\uc758 \uc8fc\uc694 \ubc1c\uc5b8\uc744 \uc62c\ub9b0\ub2e4. \ud68c\uc758\ub85d\uc774 \uacf5\uac1c\ub418\uae30\uae4c\uc9c0 \uc0c1\ub2f9\ud55c \uc2dc\uc77c\uc774 \uc18c\uc694\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc5b4\uc11c\ub2e4!! \uc5f0\uae08\uc5f0\uad6c\ud68c \ub9ac\ub354\uc774\uba74\uc11c \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704 \uc790\ubb38\uc704\uc6d0\uc778 \uc724\uc11d\uba85 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uba85\uc608\uc5f0\uad6c\uc704\uc6d0\uc758 \ubc1c\uc5b8\uc744 \uc62c\ub9b0\ub2e4.) \uc791\ub144 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