[2020 Capital Investment Awards] Daishin Securities, 15 Years of Retirement Pension Management Expertise... One-on-One Consultation with Experts

Best Award for Retirement Pension

[Asia Economy Reporter Koh Hyung-kwang] Daishin Securities has participated as a retirement pension provider since the early implementation of the retirement pension system in 2005, accumulating over 15 years of pension management know-how and establishing a differentiated retirement pension service system. Judging that the most essential and important capability is operational consulting ability, Daishin Securities assigns 1 to 2 pension experts (Pension Guardians) at each branch to share pension-related information and strengthen consulting capabilities. These experts conduct one-on-one consultations with pension subscribers every quarter, leading efforts to increase subscribers' retirement assets.

Through WM solution meetings with Daishin Securities Research Center, they share asset price forecasts not only for the domestic stock market but also for global bonds, commodities, and the dollar, thereby establishing a competitive operational support system. As a result of these efforts, the defined benefit (DB) plan's rate of return ranked among the top securities firms at 2.21% as of the third quarter of this year.

The high rate of return for the defined benefit plan demonstrates Daishin Securities' superior competitiveness compared to other retirement pension providers, thanks to its unique asset allocation system and sourcing capabilities for alternative investment products. Through its affiliate Daishin Savings Bank, it offers principal and interest products with competitive interest rates, and continuously discovers and provides alternative investment products with high real returns through Daishin F&I and Daishin Asset Trust.

Another advantage is the differentiated fee structure. Since retirement pension providers receive sales commissions within funds and also charge management fees, which can impose a significant cost burden on subscribers, Daishin Securities exempts operation and asset management fees for funds only. This fee structure is unique among full-service providers. A Daishin Securities official stated, "We aim to fulfill our responsibility as a retirement pension provider by reducing the cost burden on retirement pension subscribers and contributing to asset growth for their retirement."

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