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4ÀÏ ±ÝÀ¶¼ºñ½º ȸ»çÀΠijÇÇÅжóÀÌÁîÀÇ 2023³â º¸°í¼¿¡ µû¸£¸é 401(k) ÈÞ¸é°èÁ¿¡¼ ÀÖ´Â ÀÚ±ÝÀÌ 1Á¶7,000¾ï´Þ·¯·Î, ÃÑ 2,900¸¸°³ÀÇ °èÁ¿¡ À̸£´Â °ÍÀ¸·Î Áý°èµÆ´Ù. û±¸µÇÁö ¾ÊÀº Àܾ×ÀÇ °èÁÂ´ç Æò±Õ±Ý¾×Àº 5¸¸6,616´Þ·¯¿¡ ´ÞÇÑ´Ù.
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Àü¹®°¡µéÀº Á÷ÀåÀεéÀÌ º»ÀÎ °èÁ¸¦ ÀÒ¾î¹ö¸®´Â ÀÌÀ¯·Î ‘ÀæÀº ÀÌÁ÷’À» ²Å°í ÀÖ´Ù. ¹Ì±¹ÀºÅðÀÚÇùȸ(AARP) °ø°øÁ¤Ã¥¿¬±¸¼ÒÀÇ ¼ö¼®Àü·«Á¤Ã¥ °í¹®ÀÎ µ¥À̺ø Á¸Àº “Á÷ÀåÀ» ±×¸¸µÎ´Â »ç¶÷µé, ƯÈ÷ ´Ù¸¥ Á÷ÀåÀ¸·Î ¿Å±â´Â »ç¶÷µéÀº ÇÒ ÀÏÀÌ ³Ê¹« ¸¹´Ù”°í ¼³¸íÇß´Ù.
AARP¿¡ µû¸£¸é 1957³â¿¡¼ 1964³â¿¡ ÅÂ¾î³ ¹Ì±¹ÀÎÀº Æò±ÕÀûÀ¸·Î ¾à 12¹ø Á÷ÀåÀ» ¿Å°å´Ù. ƯÈ÷ Äڷγª19 ÆÒµ¥¹ÍÀÌ ¹Ì ´ë·úÀ» Áý¾î»ïÄ×´ø 2021³â ÇÑÇØ¿¡¸¸ ¹«·Á 4,700¸¸¸íÀÇ ¹Ì±¹ÀÎÀÌ ‘´ëÅðÁ÷’(Great Resignation)À̶ó´Â Àç¾ÓÀ» ¸Â´Ú¶ß¸®¸ç Á÷ÀåÀ» °üµ×´Ù.
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ÀºÅðÇ÷£ Àü¹®°¡µéÀº 401(k) °èÁ¸¦ ã´Â ¹æ¹ýÀÌ ±× ¾î´À ¶§º¸´Ù ½¬¿öÁ³´Ù°í °Á¶ÇÑ´Ù. ‘Àü±¹ ¹Ìû±¸ ÅðÁ÷¿¬±Ý µî·ÏºÎ’ »çÀÌÆ®¸¦ ¹æ¹®ÇØ ¼Ò¼È½ÃÅ¥¸®Æ¼ ¹øÈ£¸¦ ÀÔ·ÂÇÏ°í ¹Ìû±¸ °èÁ°¡ ³ªÅ¸³ª´ÂÁö È®ÀÎÇÏ´Â ¹æ¹ýÀÌ´Ù. ¹Ìû±¸ Àç»ê Á¤¸®¼ÒÀÎ ¹Ì½Ì¸Ó´Ï(Missing Money)¿¡ ¹æ¹®ÇÏ´Â °Íµµ ÇÑ °¡Áö ´ë¾ÈÀÌ´Ù.
¶Ç ´Ù¸¥ ¹æ¹ýÀ¸·Î´Â ‘ÅðÁ÷¿¬±Ý ºÐ½Ç¹° µ¥ÀÌÅͺ£À̽º’ »çÀÌÆ®¿¡ Á¢¼ÓÇÏ´Â °ÍÀÌ´Ù. ±Ù·ÎÀÚµéÀÌ ¿¬±ÝÀ» ãÀ» ¼ö ÀÖµµ·Ï ¿¬¹æ ³ëµ¿ºÎ¿¡¼ »õ·Ó°Ô °³¼³ÇÑ »çÀÌÆ®´Ù. Çǵ¨¸®Æ¼ÀÇ ÀºÅð ÀúÃà ´ã´ç ºÎ»çÀåÀÎ ¸®Å¸ ¾Æ»çÇÁ´Â ºÐ½Ç¹° º¸°ü¼Ò¿Í °ü·ÃÇØ “¿©·¯ ¾÷ü¿Í Çù·ÂÇØ ±Ô¸ð¸¦ È®´ëÇÏ·Á°í ³ë·ÂÇϰí ÀÖ´Ù”¸ç “º»ÀÎ ¸íÀÇ·Î µÈ ÀºÅð ÀÚ±ÝÀ» ãÀ» ¼ö ÀÖ´Â ¶Ç ´Ù¸¥ Æí¸®ÇÑ ¿ø½ºÅé ¼ºñ½º”¶ó°í °Á¶Çß´Ù.
ÀÌÀü ȸ»çÀÇ ÀλçºÎ¿¡ Á¢ÃËÇÏ´Â °Íµµ 401(k)¸¦ ã¾Æº¼ ¼ö ÀÖ´Â ¹æ¹ý Áß Çϳª´Ù. ÀçÅ×Å© ¾÷ü ³Êµå¿ù·¿ÀÇ ÀºÅð Àü¹®°¡ ÄÉÀÌÆ® ¾Ö½ÃÆ÷µå´Â “401(k) Ç÷£ °ü¸®ÀÚ´Â ±×·¸°Ô ¸¹Áö ¾Ê´Ù”¸ç “¿ÀÈÄ ÇѳªÀýÀÌ¸é ¸ðµÎ¿¡°Ô ÀüÈÇÒ ¼ö ÀÖÀ» Á¤µµ”¶ó°í ¸»Çß´Ù. ¾Ö½ÃÆ÷Æ®´Â “Àܾ×ÀÌ 1,000´Þ·¯ ¹Ì¸¸ÀÎ ÀºÅð °èÁÂÀÇ °æ¿ì Àü ȸ»çÀÇ Ç÷£ °ü¸®ÀÚ°¡ °èÁ¸¦ û»êÇÏ°í ¼öÇ¥¸¦ ¹ßÇàÇßÀ» ¼ö ÀÖÀ¸¸ç, ÀÌ ¼öÇ¥´Â ¸¶Áö¸·À¸·Î ¾Ë·ÁÁø ÁÖ¼Ò·Î ¼Û±ÝµÇ¾úÀ» °¡´É¼ºÀÌ ÀÖ´Ù”°í µ¡ºÙ¿´´Ù.
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