Korea Investment Management Publishes Revised Pension Investment Guidebook... "Reflecting Changes in Pension Investment"

Korea Investment Management announced on October 16 that it has published a revised edition of the "ACE ETF Pension Investment Guidebook."

The revised edition reflects changes in investment patterns within pension accounts and the resulting shifts in investor interest. According to the "2024 Retirement Pension Investment White Paper" released by the Ministry of Employment and Labor and the Financial Supervisory Service in June 2025, retirement pension reserves reached 431.7 trillion won as of the end of 2024. Performance-based products, including exchange-traded funds (ETFs), accounted for 17.5% of the total, up 4.7 percentage points from the previous year. An increasing number of investors are managing their retirement pensions for investment rather than savings purposes.

Korea Investment Management revised the guidebook by placing practical portfolios at the forefront to reflect these changes. While theoretical explanations of the pension system remain important, the company determined that investors are more interested in practical portfolio examples that can be directly applied.

The guidebook features a total of seven portfolios. Of these, four are categorized by investment objectives: a portfolio composed of two ETFs (for beginner investors), a core-satellite strategy portfolio (for maximizing long-term returns), a portfolio for receiving distributions twice a month (for securing cash flow), and an all-weather portfolio (for hedging against volatility).

Portfolios tailored to different age groups are also introduced, including those for people in their 20s and 30s, those in their 40s and 50s, and those preparing for retirement. The portfolio for the 40s and 50s age group, who are experiencing income growth, is further subdivided by investment style. For aggressive investors, the suggested allocation is 40% to overseas equity such as the ACE US Nasdaq 100 ETF, 25% to domestic equity such as the ACE Shareholder Return Value Active ETF, 10% to stable assets such as the ACE Money Market Active ETF, 20% to income assets such as the ACE US Dividend Quality ETF, and 5% to commodities such as the ACE KRX Gold Spot ETF.

Nam Yongsoo, Head of ETF Management at Korea Investment Management, stated, "We published the revised edition of the pension investment guidebook to reflect the shift in the retirement pension market paradigm from 'saving' to 'investing.' This is the result of our efforts to efficiently provide not only the basic theory related to pension systems but also practical portfolio information that investors can actually use."

All ACE ETFs are performance-based products, and principal loss may occur depending on investment results.