[CFO 리포트] 퇴직연금 실물이전제도의 허상

The 'Transfer-in-kind' system for retirement pensions aims to boost yields by allowing asset mobility, yet structural flaws like the exclusion of Default Options and rigid 'all-or-nothing' transfer rules are creating significant opportunity costs for investors. As funds shift from banks to securities firms, the system must evolve from account-based to asset-based transfers to truly empower individual retirees in a volatile market.