Mirae Asset Publishes ETF Pension Investment Guidebook

Mirae Asset Global Investments announced on the 21st that it has published the ‘2025 First Half ETF Pension Investment Guidebook Starting with TIGER’ for pension investors.

The guidebook provides an in-depth look at how to utilize ETFs within pension accounts. In the ‘TIGER’s Pension Investment Ideas’ section, it explains in detail the impact of the recently revised foreign tax credit system on pension investments. Additionally, it systematically organizes the changes in tax benefits within pension accounts and methods to leverage tax-saving strategies.

The ‘63 Selected ETFs Highlighted by TIGER’ section introduces ETFs that can be used within pension accounts in detail. QR codes are added for each ETF to allow easy access to real-time updated information, enabling investors to quickly grasp changing ETF trends and use the information effectively.

One of the representative ETFs introduced in the guidebook is the ‘TIGER TDF2045 ETF,’ scheduled to be newly listed on the 25th. It is the world’s first passive TDF ETF, investing 79% (as of the listing date) in the U.S. benchmark index S&P 500 and 21% in domestic short-term bonds. Until 2040 after listing, the S&P 500 index weight will be reduced by 1 percentage point (P) annually, with a corresponding increase in domestic short-term bond weight. From 2041, five years before retirement, the equity portion will be reduced by 5%P annually. From the retirement year 2045, no further adjustments will be made. Compared to active TDFs (around 0.75% annually), it offers a lower fee (0.19% annually), making it advantageous for long-term pension investors.

Using this ETF within a retirement pension account can make investments more effective. The ‘TIGER TDF2045 ETF’ is a ‘qualified TDF’ with a risk asset ratio below 80%, allowing 100% investment within retirement pension accounts. Therefore, if 70% is invested in the ‘TIGER U.S. S&P500 ETF (360750)’ and the remaining 30% in the ‘TIGER TDF2045 ETF,’ investors can invest up to 93% in the S&P 500 within their pension accounts.

Son Sujin, Head of ETF Pension Marketing at Mirae Asset Global Investments, said, “The guidebook was created to help investors systematically organize ETF investment strategies within pension accounts, enabling them to maximize tax benefits and establish long-term asset management plans.” She added, “The recently revised tax reform and real-time updated product information can be easily accessed via QR codes. We hope many investors will establish stable pension investment strategies through this guidebook.”

The ETF Pension Investment Guidebook Starting with TIGER is available for free download on the official Mirae Asset Global Investments TIGER ETF website.