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손에 잡히는 경제

손에 잡히는 경제

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[상담소] 12/23(월) 연금저축을 가입했다가 해지하면 손해를 보나요?

[상담소] 12/23(월) 연금저축을 가입했다가 해지하면 손해를 보나요?

2024-12-23
Download Right click and do "save link as"
[고민사연] 안녕하세요. 연말정산 시즌이 되었고, 연금저축펀드에 대한 글들이 많아서 이에 가입할지 고민 중입니다. 평소 비상금이 약 600만원 정도 있는데요. 실제로 안 쓸 수도 있는 돈이기에, 300만원씩 두 군데로 나누어 연 금저축펀드를 가입하고, 필요에 따라 해지할까 합니다. 연금저축펀드를 가입했다가, 해지하게 되면 혜택을 받았던 세금만 다시 뱉어내게 되는 것이니, 저에게 손해가 될 것은 없을 거라고 생각이 돼서요. 그런데 인터넷에서 검색해보니, 55세까지 유지할 수 없다면 가입하지 말라는 글이 많더라고요. 해지를 하게 되 면 연말정산때 혜택을 봤던 세금 외에도, 추가로 손해가 되는 것이 있을까요? 연금저축 가입하기 전, 고민이 되 어 사연을 남겨봅니다.
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