Hanyang Securities: "Employee Investment Shows 2030s Prefer Global, 4050s Prefer Domestic Stocks"

Hanyang Securities announced on September 1 that, based on an analysis of employee investment tendencies through the retirement pension matching program introduced in August, 9 out of 10 employees opted for equity funds, which are considered risk assets, over bond funds, which are stable assets, demonstrating an aggressive investment tendency.

The matching program is a system in which Hanyang Securities matches the amount (100,000 won per month) that employees invest in their chosen retirement pension funds. The program covered five funds managed by KCGI Asset Management.

Looking at the subscription status by fund, the domestic equity-focused fund "KCGI Korea Securities Investment Trust No.1" accounted for 44% of total selections, making it the most popular choice. This was followed by the global equity feeder fund "KCGI Salaryman Securities Investment Trust" at 37%. The bond-mixed fund "KCGI Korea Securities Investment Trust," focusing on government and high-grade corporate bonds, accounted for 10%. The domestic small and mid-cap equity fund "KCGI Korea Small Cap Securities Investment Trust" made up 7%, while the bond-mixed feeder fund for retirees, "KCGI Didim Freedom Lifetime Income TIF Securities Investment Trust," accounted for 2%.

In summary, 88% of employees who subscribed to the funds invested in equity assets, which are classified as risk assets. A Hanyang Securities representative explained, "Although equity funds are considered risk assets, given that pensions are long-term investments, such choices can be seen as a strategic decision to increase returns."

Investment tendencies by generation also showed a clear divide. Among employees in their 20s and 30s, 51% chose global equity funds, indicating a preference for overseas markets and diversification strategies. In contrast, 61% of those in their 40s and 50s selected domestic equity funds, reflecting strong confidence in the domestic market. A Hanyang Securities representative analyzed, "Employees in their 40s and 50s focused on the growth potential of domestic stocks amid expectations for government policies, while those in their 20s and 30s placed greater value on the structural growth of global markets such as the United States and the risk diversification effect."

Differences by gender were also observed. Male employees most frequently chose domestic equity funds, while female employees-who were predominantly in their 20s and 30s-showed nearly equal preferences for both domestic and global funds.

Hanyang Securities stated that the significance of this analysis lies in confirming differences in investment tendencies according to various factors using data. A company representative said, "Many employees chose equity funds considering the long-term, regular investment structure," and added, "Based on this analysis, we plan to further enhance customized asset management solutions and sales strategies for our clients."