Start planning your lifetime salary for the next five years before retirement today.
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Description
Book Introduction
Five years before retirement, now is the golden time to plan your lifelong salary!
After retirement, your salary stops, but your expenses for living expenses, medical expenses, and even child support do not stop.
So, whenever we think about retirement, we get anxious and ask ourselves:
□ How much do you need to live a stable life after retirement?
□ How can I manage my retirement pension without loss?
□ Is it really beneficial to receive a housing pension?
□ I heard that health insurance premiums will increase significantly after retirement. Is there any way to fix this?
Even though I have these worries from time to time, I end up getting buried in my busy daily life, thinking, “What will happen in the end?”
But if you spend time with vague thoughts like this, you may miss out on the truly important golden time.
Five years before retirement, it's never too late.
Rather, now is the best time to design your own ‘lifetime salary.’
And if you prepare with this book, you can design a more realistic and reasonable 'lifetime salary'.
▶ A list of essential checklists to keep in mind for the five years before retirement, including living expenses, housing expenses, and child support.
▶ How to utilize 100% of your national pension, retirement pension, and housing pension
▶ How to understand and utilize complex pension savings and IRP accounts at a glance
▶ How to Reduce Health Insurance Premiums: The Biggest Burden After Retirement
▶ How to design a lifetime salary through real-life retirement cases
This book contains specific, practical methods for creating a stable cash flow through post-retirement living expenses, national pension, retirement pension, housing pension, and pension savings accounts, methods for reducing the sudden increase in health insurance premiums after retirement, and practical methods for creating a lifelong, uninterrupted monthly salary through the examples of actual retirees.
There is only one thing I want after retirement: a 'lifetime salary' that never stops.
If so, refer to this book right now.
It contains 30 years of lifetime salary planning know-how from an expert who has been providing asset management and retirement planning consulting to those planning to retire from large corporations.
After retirement, your salary stops, but your expenses for living expenses, medical expenses, and even child support do not stop.
So, whenever we think about retirement, we get anxious and ask ourselves:
□ How much do you need to live a stable life after retirement?
□ How can I manage my retirement pension without loss?
□ Is it really beneficial to receive a housing pension?
□ I heard that health insurance premiums will increase significantly after retirement. Is there any way to fix this?
Even though I have these worries from time to time, I end up getting buried in my busy daily life, thinking, “What will happen in the end?”
But if you spend time with vague thoughts like this, you may miss out on the truly important golden time.
Five years before retirement, it's never too late.
Rather, now is the best time to design your own ‘lifetime salary.’
And if you prepare with this book, you can design a more realistic and reasonable 'lifetime salary'.
▶ A list of essential checklists to keep in mind for the five years before retirement, including living expenses, housing expenses, and child support.
▶ How to utilize 100% of your national pension, retirement pension, and housing pension
▶ How to understand and utilize complex pension savings and IRP accounts at a glance
▶ How to Reduce Health Insurance Premiums: The Biggest Burden After Retirement
▶ How to design a lifetime salary through real-life retirement cases
This book contains specific, practical methods for creating a stable cash flow through post-retirement living expenses, national pension, retirement pension, housing pension, and pension savings accounts, methods for reducing the sudden increase in health insurance premiums after retirement, and practical methods for creating a lifelong, uninterrupted monthly salary through the examples of actual retirees.
There is only one thing I want after retirement: a 'lifetime salary' that never stops.
If so, refer to this book right now.
It contains 30 years of lifetime salary planning know-how from an expert who has been providing asset management and retirement planning consulting to those planning to retire from large corporations.
- You can preview some of the book's contents.
Preview
index
introduction
Chapter 1: 4 Things to Check Before Retirement
01 Preparation for the area and housing to live in after retirement
02 How much will I need for retirement living expenses?
03 How much support is possible for children?
04 Checking on medical expenses for the elderly
Chapter 2 · National Health Insurance
01 Types of National Health Insurance subscribers
02 Standards for imposing health insurance premiums on employees
03 Standards for imposing health insurance premiums on local subscribers
04 How to Legally Reduce Local Health Insurance Premiums
05 Key Consultation Cases on National Health Insurance Premiums
Chapter 3 · National Pension
01 Types of National Pension subscribers and National Pension premiums
02 Key Features of the National Pension
03 How to receive national pension
04 How to increase your national pension amount
05 Key Consultation Cases on National Pension
Chapter 4 · Retirement Pension
01 History and Characteristics of the Retirement Benefit System
02 Types of retirement pension systems
03 Various retirement pension system options
04 Management of retirement pension
05 Products commonly chosen for retirement pensions
06 What is the default option (pre-designation system)?
07 Physical transfer of retirement pension
Chapter 5 · Pension Accounts
01 What is a pension account?
02 History of Pension Savings Accounts
03) Characteristics and operation of personal pension (personal pension savings)
04 Features of Pension Savings Accounts
05 Pension Savings Account Management
06 Managing your pension savings account
Chapter 6 · ISA Accounts
01 Features of ISA Accounts
02 Types of ISA Accounts
03 How to Use an ISA Account
Chapter 7 · Taxes on Retirement Pensions and Pension Accounts
01 Step-by-step tax on retirement pension
02 Pension Savings and Taxes
03 Pension account withdrawal limit and pension receipt year
Chapter 8: Creating a Lifetime Salary Account
01 Selecting the National Pension Receipt Period and Using the Safe Savings Account
02 How to receive retirement pension
03 How to receive a personal pension
04 Cash flow generated from financial income
05 Cash flow generated from income-generating real estate
06 How to receive unemployment benefits
07 How to receive housing pension
08 Understanding Comprehensive Income Tax
Chapter 9: Retirement Planning Practices
01 The concerns of Managing Director Kim, who is retiring as an executive.
02 The concerns of Manager A, who is scheduled to retire at age 60.
03 The concerns of Vice President Lee, who applied for special retirement at age 52.
04 Deputy Director Park's Pension Plan, Prepared for Retirement from His 40s
Appendix · Retirement Planning Checklist for (or Expecting) Retirees
Chapter 1: 4 Things to Check Before Retirement
01 Preparation for the area and housing to live in after retirement
02 How much will I need for retirement living expenses?
03 How much support is possible for children?
04 Checking on medical expenses for the elderly
Chapter 2 · National Health Insurance
01 Types of National Health Insurance subscribers
02 Standards for imposing health insurance premiums on employees
03 Standards for imposing health insurance premiums on local subscribers
04 How to Legally Reduce Local Health Insurance Premiums
05 Key Consultation Cases on National Health Insurance Premiums
Chapter 3 · National Pension
01 Types of National Pension subscribers and National Pension premiums
02 Key Features of the National Pension
03 How to receive national pension
04 How to increase your national pension amount
05 Key Consultation Cases on National Pension
Chapter 4 · Retirement Pension
01 History and Characteristics of the Retirement Benefit System
02 Types of retirement pension systems
03 Various retirement pension system options
04 Management of retirement pension
05 Products commonly chosen for retirement pensions
06 What is the default option (pre-designation system)?
07 Physical transfer of retirement pension
Chapter 5 · Pension Accounts
01 What is a pension account?
02 History of Pension Savings Accounts
03) Characteristics and operation of personal pension (personal pension savings)
04 Features of Pension Savings Accounts
05 Pension Savings Account Management
06 Managing your pension savings account
Chapter 6 · ISA Accounts
01 Features of ISA Accounts
02 Types of ISA Accounts
03 How to Use an ISA Account
Chapter 7 · Taxes on Retirement Pensions and Pension Accounts
01 Step-by-step tax on retirement pension
02 Pension Savings and Taxes
03 Pension account withdrawal limit and pension receipt year
Chapter 8: Creating a Lifetime Salary Account
01 Selecting the National Pension Receipt Period and Using the Safe Savings Account
02 How to receive retirement pension
03 How to receive a personal pension
04 Cash flow generated from financial income
05 Cash flow generated from income-generating real estate
06 How to receive unemployment benefits
07 How to receive housing pension
08 Understanding Comprehensive Income Tax
Chapter 9: Retirement Planning Practices
01 The concerns of Managing Director Kim, who is retiring as an executive.
02 The concerns of Manager A, who is scheduled to retire at age 60.
03 The concerns of Vice President Lee, who applied for special retirement at age 52.
04 Deputy Director Park's Pension Plan, Prepared for Retirement from His 40s
Appendix · Retirement Planning Checklist for (or Expecting) Retirees
Detailed image
Into the book
When examining the criteria for dependents in local health insurance, it is examined whether the taxable standard for each individual exceeds 900 million won.
Therefore, if the owner of a house exceeding the taxable standard of 900 million won (approximately 1.5 billion won based on the publicly announced land price) is the sole owner, he or she is excluded from the dependents regardless of the income requirement.
However, if a couple jointly owns a house with a taxable value exceeding 900 million won, they can be listed as dependents according to the income requirements.
If the total amount of your current income exceeds 10 million won and the taxable value of your property exceeds 540 million won, you will be disqualified from being a dependent, so you should also check the income requirements.
--- p.59
Investments made in retirement accounts have the potential to grow into significant assets over time through compound interest.
There are also research results that show that if you invest in an index such as the S&P 500 for a long period of time, you can expect an average annual return of more than 5%.
Therefore, pension accounts are an important financial product that provides financial stability through tax deductions and tax deferral effects, along with retirement fund preparation.
--- p.150
Pension savings accounts are products mainly sold by securities firms (currently, banks sell pension savings accounts or pension savings insurance, and sales of pension savings trusts have been discontinued).
It is mainly operated as a performance dividend product.
Like pension savings insurance, annual payments of up to 6 million won are tax deductible.
The advantage of a pension savings account is that there are no operating expenses, and if you invest by creating a portfolio, you can achieve higher returns than pension savings insurance.
The downside is that you may incur losses from your investments and your principal is not guaranteed.
However, recently, there are many cases where pension savings accounts are chosen rather than pension savings insurance as a product for tax deduction, and there are also many cases where existing pension savings insurance is transferred to pension savings accounts.
--- p.162
It would be nice to have a lot of financial income after retirement, but you also need to pay attention to tax-saving strategies.
If your financial income exceeds 20 million won per year, you are required to file a comprehensive income tax return for the excess amount.
In particular, those enrolled in local health insurance must be careful not to exceed 10 million won in financial income per year.
This is because if your annual financial income exceeds 10 million won, not the amount exceeding 10 million won, but the entire financial income of 1 won or more is recognized as income, and the local health insurance premium increases.
Fortunately, the financial income of a couple is not calculated by adding it up, but rather by calculating the financial income of each individual.
It is easy to manage financial income by dividing the names of depositors by using the gift limit between spouses (KRW 600 million every 10 years).
Therefore, if the owner of a house exceeding the taxable standard of 900 million won (approximately 1.5 billion won based on the publicly announced land price) is the sole owner, he or she is excluded from the dependents regardless of the income requirement.
However, if a couple jointly owns a house with a taxable value exceeding 900 million won, they can be listed as dependents according to the income requirements.
If the total amount of your current income exceeds 10 million won and the taxable value of your property exceeds 540 million won, you will be disqualified from being a dependent, so you should also check the income requirements.
--- p.59
Investments made in retirement accounts have the potential to grow into significant assets over time through compound interest.
There are also research results that show that if you invest in an index such as the S&P 500 for a long period of time, you can expect an average annual return of more than 5%.
Therefore, pension accounts are an important financial product that provides financial stability through tax deductions and tax deferral effects, along with retirement fund preparation.
--- p.150
Pension savings accounts are products mainly sold by securities firms (currently, banks sell pension savings accounts or pension savings insurance, and sales of pension savings trusts have been discontinued).
It is mainly operated as a performance dividend product.
Like pension savings insurance, annual payments of up to 6 million won are tax deductible.
The advantage of a pension savings account is that there are no operating expenses, and if you invest by creating a portfolio, you can achieve higher returns than pension savings insurance.
The downside is that you may incur losses from your investments and your principal is not guaranteed.
However, recently, there are many cases where pension savings accounts are chosen rather than pension savings insurance as a product for tax deduction, and there are also many cases where existing pension savings insurance is transferred to pension savings accounts.
--- p.162
It would be nice to have a lot of financial income after retirement, but you also need to pay attention to tax-saving strategies.
If your financial income exceeds 20 million won per year, you are required to file a comprehensive income tax return for the excess amount.
In particular, those enrolled in local health insurance must be careful not to exceed 10 million won in financial income per year.
This is because if your annual financial income exceeds 10 million won, not the amount exceeding 10 million won, but the entire financial income of 1 won or more is recognized as income, and the local health insurance premium increases.
Fortunately, the financial income of a couple is not calculated by adding it up, but rather by calculating the financial income of each individual.
It is easy to manage financial income by dividing the names of depositors by using the gift limit between spouses (KRW 600 million every 10 years).
--- p.218
Publisher's Review
For office workers in their 50s nearing retirement, this is the last golden time to plan their lifetime salary.
This book is the most realistic and concrete guide to designing a 'second salary after retirement.'
Rather than providing unrealistic advice that anyone can make a lot of money through pension investments, this book contains realistic and reasonable strategies for designing a lifetime salary, covering everything from living expenses required after retirement to national pension, retirement pension, pension savings, housing pension, and health insurance premiums.
Many pension-related books on the market emphasize how to increase your assets through stock or ETF investments.
Of course, it is necessary to increase your assets through investment.
However, the most important thing in asset planning after retirement is not ‘rate of return’ but ‘stability’.
Once your assets are destroyed by a single wrong judgment, it is difficult to recover.
This book accurately understands this reality and focuses on creating a structure that "reduces risk while providing steady cash flow."
In particular, this book contains extremely realistic information, including actual cases of retirees consulting, the characteristics of each pension system, how to use it, related laws, and regulations, as well as taxes, insurance premiums, and receipt timing.
Thanks to this, readers can personally complete a 'post-retirement financial plan that suits their situation' rather than relying on theory.
From delaying your National Pension receipt to increasing your monthly payment, to efficient retirement pension (IRP) management strategies, to maximizing the tax benefits of your pension savings account, to securing cash flow through a housing pension, to tax-saving tips when switching to regional health insurance, the complex financial and tax systems are explained in an accessible way for everyone.
Another thing to note is the ‘realistic cost of living calculation method.’
Many people estimate their living expenses after retirement, but in reality, they need to calculate each item in detail, such as food, management fees, insurance premiums, medical expenses, and leisure expenses.
This book introduces how to create your own "Cost of Living Diagnosis Table" based on average expenditure data, and based on the results, provides specific suggestions on how to combine national pension, retirement pension, and pension savings to make up for any shortfall.
In other words, it clearly shows that the starting point of retirement planning is not assets, but ‘accurately knowing realistic living expenses.’
The authors are current retirement planning consultants who have been providing financial planning services to prospective retirees from large corporations for many years.
The most common thing I heard while meeting countless working professionals in the field was, “I should have taken this course 5 years ago…!”
That's the core message of this book: the five years before retirement are the golden time to plan your lifelong salary.
If you're in your 50s, retirement isn't far away.
However, there is no need to be gripped by vague anxiety, nor is there any reason to ignore it with a sense of impending doom and gloom.
Now is the time to objectively assess your assets and living expenses, and proactively design a stable "second salary" by combining the strengths of each pension.
This book is the most practical and reliable retirement planning guide for working people in an era where "how much money is coming in steadily" is more important than "how much money is saved."
If you're looking for a practical roadmap to designing a lifelong salary, rather than feeling anxious about retirement, you'll find the answer right here in this book.
This book is the most realistic and concrete guide to designing a 'second salary after retirement.'
Rather than providing unrealistic advice that anyone can make a lot of money through pension investments, this book contains realistic and reasonable strategies for designing a lifetime salary, covering everything from living expenses required after retirement to national pension, retirement pension, pension savings, housing pension, and health insurance premiums.
Many pension-related books on the market emphasize how to increase your assets through stock or ETF investments.
Of course, it is necessary to increase your assets through investment.
However, the most important thing in asset planning after retirement is not ‘rate of return’ but ‘stability’.
Once your assets are destroyed by a single wrong judgment, it is difficult to recover.
This book accurately understands this reality and focuses on creating a structure that "reduces risk while providing steady cash flow."
In particular, this book contains extremely realistic information, including actual cases of retirees consulting, the characteristics of each pension system, how to use it, related laws, and regulations, as well as taxes, insurance premiums, and receipt timing.
Thanks to this, readers can personally complete a 'post-retirement financial plan that suits their situation' rather than relying on theory.
From delaying your National Pension receipt to increasing your monthly payment, to efficient retirement pension (IRP) management strategies, to maximizing the tax benefits of your pension savings account, to securing cash flow through a housing pension, to tax-saving tips when switching to regional health insurance, the complex financial and tax systems are explained in an accessible way for everyone.
Another thing to note is the ‘realistic cost of living calculation method.’
Many people estimate their living expenses after retirement, but in reality, they need to calculate each item in detail, such as food, management fees, insurance premiums, medical expenses, and leisure expenses.
This book introduces how to create your own "Cost of Living Diagnosis Table" based on average expenditure data, and based on the results, provides specific suggestions on how to combine national pension, retirement pension, and pension savings to make up for any shortfall.
In other words, it clearly shows that the starting point of retirement planning is not assets, but ‘accurately knowing realistic living expenses.’
The authors are current retirement planning consultants who have been providing financial planning services to prospective retirees from large corporations for many years.
The most common thing I heard while meeting countless working professionals in the field was, “I should have taken this course 5 years ago…!”
That's the core message of this book: the five years before retirement are the golden time to plan your lifelong salary.
If you're in your 50s, retirement isn't far away.
However, there is no need to be gripped by vague anxiety, nor is there any reason to ignore it with a sense of impending doom and gloom.
Now is the time to objectively assess your assets and living expenses, and proactively design a stable "second salary" by combining the strengths of each pension.
This book is the most practical and reliable retirement planning guide for working people in an era where "how much money is coming in steadily" is more important than "how much money is saved."
If you're looking for a practical roadmap to designing a lifelong salary, rather than feeling anxious about retirement, you'll find the answer right here in this book.
GOODS SPECIFICS
- Date of issue: November 17, 2025
- Page count, weight, size: 268 pages | 152*225*20mm
- ISBN13: 9791124121009
- ISBN10: 1124121005
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