The Ownership and an Assesment of the Individual Retirement Account

가계의 개인연금 보유 여부와 불입액의 영향요인 분석

The purpose of this study are to identify the type and the amount of household's individual retirement account for retirement fund and to investigate the factors contributing to a individual pension account holding and an assessment. Data used in this study consisted of 2,667 households from 1994 KHPS. Statistics employed to analyze the data are Mean, Frequency, Percentile, Logistic and OLS. the result of this study were as follows; Among 2,677 households' 426 households(15.9%) owned the individual retirement account. Most household heads with individual retirement fund are the salaried and self-employed. More households with individual retirement account have saving account, stock than those without individual retirement account. Age, occupation of household head, total income, stock ownership had significant effects on whether household having individual retirement account. And Age of household head, net worth, saving account ownership had significant effects on the assessment of individual retirement account holding.