Introduction

PART 1.
private pension

1.
Pension savings
History of Pension Savings | Overview of Pension Savings | Benefits of Pension Savings | Frequently Asked Questions About Pension Savings

2. IRP
An Overview of IRPs | The Difference Between Pension Savings and IRPs | Should I Save for Pension or Use an IRP? | Frequently Asked Questions About IRPs

3. ISA
ISA Overview | ISA Account Benefits | How to Calculate Profits and Losses | Additional Tax Benefits from Maturity Fund Transfers | Creating a 300 Million Won Pension Using an ISA Account | Frequently Asked Questions About ISAs

Plus+.
Pension Accounts vs. Yellow Umbrella
Comparing the Pros and Cons | Planning for Your Purpose

4.
retirement pension
Overview of Severance Pay & Pensions | DB and DC Pensions | Calculating Severance Pay & Income Tax | Special Provisions for Interim Severance Pay Settlement | In-Kind Transfer System for Severance Pensions (IRPs and DCs)

PART 2.
public pension

1.
National Pension
National Pension Overview | Voluntary Enrollment and Using Backdated, Returned, and Prepaid Contributions | National Pension Issues

2.
Public pension related systems
How Civil Servants, Teachers, and Military Personnel Receive National Pension | Public Pension Linkage System | Public Pension Reduction System | Survivors' Pension | What Civil Servants, Teachers, and Military Personnel Should Know Before Retirement

PART 3.
Pension management

1.
Pension Management: ETFs Are the Answer!
Operating Income Effect | ETF Key Information | Taxes on ETF Trading Gains and Distributions

Plus+.
What should I do with various pension insurance policies?
Judging Criteria | How to Organize

2.
Managing your pension account
kite
■ Press Release
Canceling your savings or IRP will expose you to a tax blunder | Pension account transfer system | Preparing for child pensions

PART 4.
Pension withdrawal strategy

1.
Withdrawal methods by account
Four Ways to Receive Pension Savings and IRP Pensions | How to Receive Pension Benefits Based on the Number of Pension Accounts You Have | Comparing Insurance vs. Pension Savings and IRP Pension Benefits | How to Designate Tax-Deductible Accounts vs. Non-Deductible Accounts | Pension Benefit Limits and Annual Pension Receiving Periods

2.
Pension withdrawal consultation case
Retirement and retirement accounts before age 55 | Things to keep in mind when transferring DB/DC accounts | Do I need to sell all my products to start a pension? | Why it's good to have three pension accounts | Real-life counseling cases for those aged 55 | What taxes are levied on pensions? | If you need 5 million won per month after retirement

Plus+.
Health insurance premiums you must consider
Dependent eligibility requirements for health insurance | How is a combined income of 20 million won calculated? | A complete guide to calculating and assessing health insurance premiums | Housing rental income and health insurance premiums | Financial income! Health insurance premiums are more dangerous than taxes | How to reduce health insurance premiums

PART 5.
Housing and basic pension

1.
Housing pension
Housing Pension Subscription Requirements | Housing Pension Payment Methods | Housing Pension Loan Interest Rates Are Scary

2.
Basic pension
Basic Pension Recipients Surpass 7.36 Million | Basic Pension Eligibility | How to Calculate Recognized Income

Pension Investment: The Best Investment Strategy for Your Future

The phrase 'the 100-year era' has finally become a reality.
As life expectancy increases, concerns about poverty in old age are growing, and the number of savvy investors preparing early for a happy retirement is also increasing.
There are many ways to build a financial foundation for retirement, but for the average individual, the most effective and powerful weapon is a pension.
Despite various controversies, including the depletion of the national pension fund, pensions remain the most important means of preparing for retirement and an excellent means of financial investment.
In particular, the government is providing many policy benefits for private pensions such as pension savings and IRP to make up for the insufficient public pension, so the importance of financial management using these is receiving increasing attention.


This book, "The Pension Bible of the Republic of Korea: Pension Stories," is the latest revised edition for 2025 of the best-selling "Pension Stories." It is the definitive edition, having been revised repeatedly over time to supplement and update many contents with the latest information.
Author Cha Kyung-soo, a retired pensioner himself, has been receiving great responses by generously sharing his vivid knowledge, which he has personally experienced and studied, through his YouTube channel 'Pension Story TV' and Naver blog 'Pension Story'.
This book is filled with author Cha Kyung-soo's professional knowledge accumulated over the years, as well as a variety of case studies and practical tips gleaned from his many years of lectures and consultations.

This book provides step-by-step explanations of the basics of pensions, which are so important but most people do not know precisely, including private pensions, public pensions, pension management and receipt strategies, housing pensions and basic pensions, pension-related taxes, and health insurance premiums.
It is also filled with essential information that readers need to know, such as how to utilize and invest in accordance with the characteristics of each pension, how to create a pension portfolio that suits their age and circumstances, and how to strategically receive pension while minimizing tax and health insurance burden, and will quickly resolve readers' questions.
In particular, it has been updated to the latest content to quickly reflect the significant changes in tax laws and investment environment in 2025.
The newly revised "Korea Pension Bible: Pension Stories" will be a great help to readers who dream of achieving financial freedom and a happy retirement through pension investment.