30s Retirement Planning Guide: Complete Strategy
📅 2026.01.30⏱️ 18 minFinance
📌 Key Summary
- ✅ National pension covers only 40% of retirement expenses
- ✅ Up to 1.485M KRW tax credit with pension + IRP
- ✅ Save 500K/month from 30s = ~500M KRW at 65
- ✅ ETF for low fees + diversification
1. Why Start in Your 30s?
The magic of compound interest becomes more powerful over time. Starting at 30 gives you 35 years until 65, while starting at 40 gives you only 25 years.
| Starting Age | Monthly | Period | At 65 |
|---|---|---|---|
| 30 | 500K | 35y | 5.200M |
| 35 | 500K | 30y | 3.400M |
| 40 | 500K | 25y | 2.200M |
* 7% annual return
💡 Want to simulate your growth?
Use Compound Calculator →2. National Pension Limitations
The national pension replacement rate is around 40% and expected to decrease to 30% over time.
Current
40%
2050
30%
Recommended
70%+
3. Pension Savings Guide
💰 Tax Credit
6M limit, 990K refund
📈 Tax Deferral
Defer taxes on gains
🎯 Low Tax
3.3-5.5% on withdrawal
4. IRP Usage Guide
🎉 Combined Tax Credit
Up to 1.485M KRW!
(6M + 3M) × 16.5%
5. ETF Investment Strategy
Portfolio (30s)
| Asset | Ratio | ETF |
|---|---|---|
| US Stocks | 40% | TIGER S&P500 |
| KR Stocks | 25% | KODEX 200 |
| EM | 15% | TIGER 차이나 |
| Bonds | 15% | KOSEF 국고채 |
| Alts | 5% | TIGER 리츠 |
6. Simulation
Principal
2.7700M
Interest
+4.9300M
At 65
7.700M
💡 Calculate your pension
7. Action Plan
Assess
Open Account
Auto Transfer
Buy ETF
Rebalance