Introduction 4

PART 1.
pension.
Why is it the answer to old age? 11
1.
Korea has the highest rate of old-age poverty: 12 inconvenient truths about retirement.
2.
Pensions change when you start saving in your 20s. 19
3.
Why Saving a Billion Won Still Makes You Worried: 24 Reasons Why You Don't Have Cash Flow
4.
The Hidden Power of Pension 28: Promising a Secure Retirement
5.
Pensions: Same Name, Different Inside 31

PART 2.
National Pension.
Starting Point for Your Lifetime Salary 35
1.
National Pension: A lifetime monthly salary guaranteed by the government of 36
2.
National Pension: Will I Really Be Eligible? 41
3.
National Pension: Knowing These Basics Makes It Much Easier 45
4.
How to Get the Most Out of Your National Pension? The Key is Your Enrollment Period (Part 51)
5.
Payment is mandatory, but receipt is strategic. 57
6.
The Last Consideration of Love: Survivor's Pension 63
7.
66 Rules of Choice for Dual-Income Pension Couples
8.
Can I split my national pension if I get divorced? 70
9.
National Pension: Should I Get It Now or Later? 74
10.
4 National Pension Insurance Premium Support Options You Don't Know About and Can't Use
11.
Receive both national and military pensions 85
12.
High Income Can't Eligible for National Pension? Truth and Solutions Part 89

PART 3.
Basic pension.
Safety Net 93: Protecting the Minimum in Retirement
1.
Receive your pension without paying a single penny in premiums: The Secret of the Basic Pension 94
2.
My neighbor gets it, but I don't. The real criteria for basic pension selection: 99
3.
Basic Pension: How Much Will My Family Actually Receive? 106
4.
6 Essential Tips for the Basic Pension You Don't Know About
5.
If you receive a large national pension, your basic pension will decrease? 112

PART 4.
Retirement pension.
Second pension provided by the company 115
1.
From Retirement Allowances to Pensions: The 116 Rules of Retirement Assets
2. DB vs. DC: The Two Crossroads of Retirement Pensions 119
3. IRP, the Hidden Bonus Account for Retirement Pensions 123
4.
2.7% Wall, Overcoming with Default Options 128
5. TDF, automatic investment tailored to retirement age 133
6.
Even if you use your retirement pay right away, it's better to receive it through an IRP. 140
7.
The Golden Rule of Retirement: Get Your Pension 145
8.
How much will I have left after taxes on my retirement pension? 148
9.
If you don't know, you lose out. Get what you know and get back: Retirement Income Tax Settlement 153

PART 5.
Private pension.
157 Self-Growing Retirement Assets
1.
Private pension.
Learn the basics properly 158
2.
Pension savings.
Compare funds, insurance, and trusts at a glance 164
3.
What's the difference between pension savings insurance and pension insurance? 169
4.
Pension savings fund · IRP.
Two Similar-But-Different Pension Accounts 175
5.
Pension savings · IRP.
Understanding Receiving Limits and Taxes 180
6.
Transferring Your Pension Account: Switching Without Loss 186
7. ISA, You'll Regret Missing This Product 189
8.
The Three Musketeers of Pension: Optimal Allocation Strategies 197
9. ETF.
200 Must-Know Investment Guides for Pension Accounts

PART 6.
Housing Pension and Farmland Pension: The Magic of Turning Your Home and Land into Pensions 207
1.
Protecting the Home and Sustaining Old Age 208
2.
Monthly salary varies depending on age and home value: 210
3.
Trust-type housing pension to protect your spouse 216
4.
Housing pension.
Strength and Regret, Pros and Cons: A Complete Summary 219
5.
Farmland Pension: Your Land Will Be Your Lifetime Salary 224
6.
Pros and Cons of Farmland Pension 228
7.
Farmland pension.
Even if you're not a farmer, you can prepare now. 232
8.
Can forest land be considered a pension? Mountain Pension 236

PART 7.
Pensions, Taxes, and Health Insurance 239
1.
Are pensions taxable? 240
2.
Calculating National Pension Income Tax: Easy to Understand with Case Studies 244
3.
Pension Savings and Pension Income Tax Calculation Case 250
4.
Pension and Health Insurance Premiums 254
5.
Retirees' health insurance premiums vary depending on income and assets. 258
6.
How to Reduce Your Health Insurance Premiums After Retirement (263)

PART 8.
269 ​​Cases of Retirement Preparation Using Pensions

In an era where life expectancy is increasing and retirement is occurring earlier, preparing for old age is no longer a matter of 'choice' but of 'survival'.
"Pension Stories Told by a Bank Manager" is a practical guide that explains the structure and use of pensions in the simplest and most realistic way possible in this reality.
Author Yoo Jeong-hoon is a financial expert who has worked in asset management and private banking at Jeil Bank for 31 years, helping countless clients plan their retirement and preparing for his own retirement.
It covers the principles and strategies of national pensions, retirement pensions, and private pensions, as well as real estate-based pensions such as housing pensions and farmland pensions, as well as taxes and health insurance premiums, covering the entire process of retirement financial planning in one volume.

This book is not simply a guide introducing systems or products.
The author emphasizes that "the essence of retirement is not the size of assets, but cash flow," and suggests specific ways to secure a stable monthly income through pensions.
Using numerous examples and figures, he persuasively explains that making money that comes in like a salary even after retirement is the key to maintaining the quality and dignity of life.
In particular, it is rich in practical information, including the structure of the National Pension, the amount received by subscription period, the core contents of pension reform, management strategies for retirement pensions and IRPs, and tax benefits of pension savings and ISAs, making it easy for even financial beginners to understand.

The author lowers the threshold for pension preparation with the message, “It’s not too late to start now.”
It's organized step-by-step, covering everything from planning for retirement in your 20s, strategies for reducing your tax burden just before retirement, to know-how for managing health insurance premiums after retirement, so anyone of any age can find a solution that suits their situation.
Additionally, based on vivid counseling cases accumulated in the lecture field, it points out the blind spots of the pension system that 'lose out of ignorance' and helps readers design their own pension portfolio.

"A Pension Story Told by a Bank Manager" helps us look at an uncertain future with a perspective of preparation rather than fear.
Understanding the structure of pensions reveals the path to retirement and reminds us that if we start now, we can build a foundation for a lifetime of monthly income.
For those who want to make concrete plans rather than vague worries, this book will serve as a solid compass.