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Photo = Getty Image Bank
In the new year, as the stock market shows an unprecedented surge, the flow of investment diverges dramatically from generation to generation. The ‘2040’ generation broke bank deposits and savings and made direct investments by withdrawing mortgage-backed loans, while wealthy middle-aged homeowners continue to wait and see the taxes. Depending on the age group, the investment behavior is divided into ‘Money Move’ and ‘Money Parking’ (reserved as if parking for a while). Some people in the financial industry say that when the stock market enters the tightening phase, young people with smaller assets will be hit the hardest, so caution is needed.
○ Cancel the deposit and go to the Stock Exchange
According to the financial sector on the 12th, the balance of the time deposits on the 11th of the four major banks, including Shinhan Kookmin Hanauri, recorded 497 trillion 649.8 billion won, a decrease of 1.327.9 billion won. won since the end of last year (December 31). This means that more people found or canceled money at maturity than signed up for a new deposit. A large bank also lost 500 billion won in deposits in one day on the 8th. An official at this bank said, “There is no way to explain the phenomenon other than a 20% jump in the stock market this year.
The savings balance of the top four banks also registered 36.966 trillion won on the 11th, 66.7 billion won less than the fourth (36.16 trillion won). It is the opposite of the monthly installment savings subscriber increase and increase. The balance of demand deposits, which represent floating funds, decreased by 19.58 trillion won from the end of last year.
Most of the lost funds were absorbed by the stock market, and banks explained that this phenomenon was led by the ‘2040’ generation. In branches where there are many main office clerk customers, such as Yeouido and Gangnam, Seoul, work is stopped while the deposit cancellation is being handled. An official from the Yeouido branch of a large bank explained: “There are many cases of visiting the counter during lunchtime to find a deposit, make a loan and transfer it to a stock account.” “Even a bank employee can’t stop investing in stocks.”
There have also been a growing number of cases where first-time workers, who only buried deposits and savings, subscribe to a stock fund for the first time in their lives and then subtract money from the existing stock fund and turn it into ‘direct investment’. A bank official said, “If you recommend starting with a stock fund, you will often hear a layoff that says you can earn 5% or 10% a day.”
Photo = Yonhap News
○ Traditional asset owners are “Sinjung Mode”
Unlike the younger generation, who are rapidly moving their funds to the stock market, the common explanation from private bankers (PB) of banks is that among middle-aged asset owners there is a high proportion of government tax . It means that the stock market is trending up, which means that it is reluctant to jump on risky assets in the first place. Jeong Seong-jin, director of the Yangjae PB Center, Kookmin Bank, said, “Clients who use the PB centers are often called through business and real estate rather than stocks,” he said.
In the case of shareholders, they are said to have increased their share of shares during the ‘crash market’ last year, and there are many cases that are currently viewed as a ‘profit-taking period’. A bank’s PB center manager said, “Some of our clients have recently made huge profits by investing in Samsung Electronics stocks by receiving a 1 billion won loan as collateral right after the crown crisis.” “A case of ‘betting’ on one or two superior actions in a crisis situation. Even if there is, there are few cases where investments move from one place to another like the 2040 generation. “Kim Yong-ho, director of Hana Bank’s One PB Center Club, said:” We recommend diversifying dollar purchases to clients who made a profit from the stock last year. This is because the risk of exchange rate fluctuations can be reduced and foreign exchange earnings are exempt from tax. ”
The PBs agree that it is necessary to refer to the movement of traditional asset prices to diversify risk. Hee-jeong Kim, Director of Nonghyup Bank’s NH All-Baek Advisory Center, said: “In many cases, asset prices seek related technology equity funds or ETFs with better prospects than equities. individual. “We need a security device how to sell.” Park Seung-an, director of Woori Bank’s TCE Gangnam Center, said: “By investing in, asset owners think and act in the order of whether they can immediately liquidate, risk and recover. Recently, ants are investing the exact opposite. He stressed that if the market that invested in him enters the adjustment phase, it will be frustrating. ”
Reporters Oh Hyuna / Jeong Soram / Kim Daehoon [email protected]
