변액연금보험(비과세)과 연금저축펀드(소득공제) 특징 비교

<TABLE width=700 border=0> <TBODY> <TR> <TD>　</TD></TR> <TR> <TD style="BORDER-TOP: 1px solid">　</TD></TR> <TR> <TD> 　</TD></TR> <TR> <TD> <A href="http://cafe343.daum.net/_c21_/bbs_list?grpid=1zXR&mgrpid=&fldid=BAX"></A> </TD></TR></TBODY></TABLE> 변액연금보험과 연금저축펀드 특징   <TABLE style="WIDTH: 488pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=650 border=0 x:str> <COLGROUP> <COL style="WIDTH: 54pt; mso-width-source: userset; mso-width-alt: 2048" width=72> <COL style="WIDTH: 213pt; mso-width-source: userset; mso-width-alt: 8078" width=284> <COL style="WIDTH: 221pt; mso-width-source: userset; mso-width-alt: 8362" width=294> <TBODY> <TR style="HEIGHT: 51pt; mso-height-source: userset" height=68> <TD class=xl24 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 2pt double; HEIGHT: 51pt; BACKGROUND-COLOR: yellow" width=72 height=68> 구분</TD> <TD class=xl30 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: yellow" width=284> 변액 연금보험</TD> <TD class=xl24 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: yellow" width=294> 연금저축 펀드</TD></TR> <TR style="HEIGHT: 51pt; mso-height-source: userset" height=68> <TD class=xl25 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 51pt; BACKGROUND-COLOR: #cc99ff" height=68> 가입목적</TD> <TD class=xl31 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"> 은퇴자금, 연금수령을 위한 장기투자</TD> <TD class=xl36 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 소득공제와 은퇴자금, 연금수령을 위한 장기투자</TD></TR> <TR style="HEIGHT: 38.25pt; mso-height-source: userset" height=51> <TD class=xl26 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 38.25pt; BACKGROUND-COLOR: #cc99ff" width=72 height=51> 적립금 운용</TD> <TD class=xl32 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 특별계정(펀드)의 투자실적</TD> <TD class=xl37 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 펀드의 투자실적</TD></TR> <TR style="HEIGHT: 38.25pt; mso-height-source: userset" height=51> <TD class=xl27 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 38.25pt; BACKGROUND-COLOR: #cc99ff" height=51> 가입금액</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 일반적으로 10만원 ~</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 1만원 / 5만원 ~ 100만원</TD></TR> <TR style="HEIGHT: 38.25pt; mso-height-source: userset" height=51> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 38.25pt; BACKGROUND-COLOR: #cc99ff" width=72 height=51> 연금개시</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 45세 ~</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 55세 ~</TD></TR> <TR style="HEIGHT: 63pt; mso-height-source: userset" height=84> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 63pt; BACKGROUND-COLOR: #cc99ff" width=72 height=84> 펀드유형</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 주식형 / 혼합형 / 해외펀드형/ 채권형 등 상품별로 다양한 펀드로 구성되며 대체로 안정성을 고려하여 주식비중이 낮음</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 주식형 / 혼합형 / 채권형 / 해외펀드형</TD></TR> <TR style="HEIGHT: 38.25pt; mso-height-source: userset" height=51> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 38.25pt; BACKGROUND-COLOR: #cc99ff" width=72 height=51> 펀드변경</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 1년에 12회</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 1년에 2회</TD></TR> <TR style="HEIGHT: 48pt; mso-height-source: userset" height=64> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 48pt; BACKGROUND-COLOR: #cc99ff" width=72 height=64> 경험 생명표 적용여부</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 대부분 가입시점 적용</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 확정 지급방식으로 적용안함</TD></TR> <TR style="HEIGHT: 51pt; mso-height-source: userset" height=68> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 51pt; BACKGROUND-COLOR: #cc99ff" width=72 height=68> 연금 수령방법</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284 x:str="일시금 / 10년 / 20년 확정형.종신연금형(부부형) / 상속연금형 "> 일시금 / 10년 / 20년 확정형 종신연금형(부부형) / 상속연금형 </TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 5년이상의 정해진 기간동안(40년) 좌수분할식으로 지급</TD></TR> <TR style="HEIGHT: 42pt; mso-height-source: userset" height=56> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 42pt; BACKGROUND-COLOR: #cc99ff" width=72 height=56> 납입/적립 기간</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 3년납 ~  연금개시-5년납</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 10년 ~ 40년</TD></TR> <TR style="HEIGHT: 57pt; mso-height-source: userset" height=76> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 57pt; BACKGROUND-COLOR: #cc99ff" width=72 height=76> 납입의 유연성</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 일반적으로 해당기간 계속 납입 상품에 따라 일정기간 경과후 납입중지를 신청, 가능할수도 있음</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 자유적립 가능</TD></TR> <TR style="HEIGHT: 54pt; mso-height-source: userset" height=72> <TD class=xl27 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 54pt; BACKGROUND-COLOR: #cc99ff" height=72> 중도인출</TD> <TD class=xl34 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent"> 해약환급금내의 50%</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 불가 일부 환매 불가</TD></TR> <TR style="HEIGHT: 52.5pt; mso-height-source: userset" height=70> <TD class=xl27 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 52.5pt; BACKGROUND-COLOR: #cc99ff" height=70> 추가납입</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 해당년도/경과년도별 기본보험료의 200%  추가납입 가능</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 가능 기본적립액 합산 분기 300만원 한도</TD></TR> <TR style="HEIGHT: 73.5pt; mso-height-source: userset" height=98> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 73.5pt; BACKGROUND-COLOR: #cc99ff" width=72 height=98> 유지 비용</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 부가보험료 운용보수 수탁보수 최저연금적립금 보증비용 최저사망보험금 보증비용</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 판매보수 운용보수 수탁보수</TD></TR> <TR style="HEIGHT: 64.5pt; mso-height-source: userset" height=86> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 64.5pt; BACKGROUND-COLOR: #cc99ff" width=72 height=86> 중도해지</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 투자실적에 따른 해약환급금 수령 초기 해약시 손실이 큼</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294 x:str="5년이내 해지시 수령액의 22% .기타소득세 + 해지가산세.5년이후 해지시 수령액의 22% 기타소득세 "> 5년이내 해지시 수령액의 22% 기타소득세 + 해지가산세 5년이후 해지시 수령액의 22% 기타소득세 </TD></TR> <TR style="HEIGHT: 73.5pt; mso-height-source: userset" height=98> <TD class=xl28 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 54pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 73.5pt; BACKGROUND-COLOR: #cc99ff" width=72 height=98> 세제관련</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 10년이상 유지시 비과세</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 연간 300만원 한도로 100% 소득공제 연금수령시 5.5% 원천징수하며 연금소득액이 (공적연금, 퇴직연금 합산) 600 만원 초과시 종합과세</TD></TR> <TR style="HEIGHT: 57.75pt; mso-height-source: userset" height=77> <TD class=xl27 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 57.75pt; BACKGROUND-COLOR: #cc99ff" height=77> 보증사항</TD> <TD class=xl33 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=284> 연금개시시점에서 납입보험료 100%~200% 보장 사망시 납입한 보험료보다 적은 경우는 납입보험료의 100%</TD> <TD class=xl38 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent" width=294> 없음</TD></TR> <TR style="HEIGHT: 102pt; mso-height-source: userset" height=136> <TD class=xl29 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 2pt double; HEIGHT: 102pt; BACKGROUND-COLOR: #cc99ff" height=136> 기타</TD> <TD class=xl35 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; WIDTH: 213pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent" width=284> 상품에 따라 일반계정(금리연동형) 전환 가능 복수연금 선택 가능 펀드별 적립금 일부/전부 이전 가능 납입기간 변경 가능(10년이상 기간동안)</TD> <TD class=xl39 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; WIDTH: 221pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent" width=294> 적립기간 변경 가능(10년이상 기간동안) 연금지급기간 변경 가능 연금지급개시일 변경 가능</TD></TR></TBODY></TABLE>