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퇴직연금 ‘AI 투자’에 꽂힌 5060_我的网站

一 |     콴텍 1년 수익률 82%, 적극투자RA ‘톱’삼성 68%·NH 44%…변동성 장세 대응핀트 5060 가입 비중 5년새 3%→40%최근 급등락을 반복하는 국내 주식시장에서 인공지능(AI) 기반의 퇴직연금 투자 상품 수익률이 주목받고 있다. 알고리즘이 정교해지면서 최근 변동성이 커진 장세에서도 수익률 방어에 주효한 성과를 내고 있다는 평가다.▶변동성 장세서 빛난 ‘AI 투자’=26일 코스콤 테스트베드에 따르면, 상용화한 적극투자형 퇴직연금 로보어드바이저(RA) 152개 가운데 21일 기준 수익률 1위는 ‘콴텍 한국그로쓰업종셀렉트 P’였다. 최근 1년간 수익률은 81.49%에 달했다.삼성증권의 ‘삼성 퇴직Robo ETF형 P’도 같은 기간 68.35%의 수익률을 기록하며 2위에 올랐다. NH투자증권의 ‘NH DNA 퇴직연금 SmartX P’(44.46%)와 디셈버앤컴퍼니의 ‘에코모드 적극3’(42.93%) 등도 40%를 웃도는 수익률을 기록했다.RA 투자는 변동성이 극심한 장세에서 오히려 강점을 발휘한다는 평가를 받는다. 자산 배분을 중심으로 설계된 분산 투자 알고리즘에다 의사 결정 과정에서 인간의 감정을 배제해 투매 등 감정적인 행위를 줄일 수 있기 때문이다. 최근 국내 주식을 중심으로 변동성 우려가 커진 상황에서 특히 유용한 전략이라는 설명이다.업계 관계자는 “3분기에는 글로벌 반도체 업황의 상승세 둔화 우려와 미국·이란 전쟁 장기화 등의 영향으로 주식시장 변동성이 확대될 가능성이 크다”며 “국내외 안전자산 비중이 높은 RA 알고리즘이 상대적으로 우수한 투자 성과를 낼 것으로 예상된다”고 말했다.▶5060, 퇴직연금 AI로 굴린다=AI 투자일임 플랫폼 ‘핀트’를 운영하는 디셈버앤컴퍼니를 통해 집계한 결과, 전체 핀트 가입자 중 50·60대가 차지하는 비중은 현재 약 40%에 달한 것으로 집계됐다. 50·60대 비중은 2019년 말 3%에서 2021년 말 약 30%로 2년 만에 10배가량 뛰었고, 2024년 이후에는 40% 안팎을 유지하고 있다. 5년여 만에 13배 넘게 불어난 것이다.핀트 관계자는 “출시 초기만 해도 핀트의 주 고객층은 모바일 서비스에 익숙한 20·30대였지만 변동성 장세를 거치면서 국내주식에 투자하려는 중장년층의 유입이 가팔라졌다”고 설명했다.RA 투자 서비스는 투자자의 성향에 맞춰 종목 발굴부터 매수·매도, 정기적인 포트폴리오 리밸런싱까지 AI가 전 과정을 수행한다. 증시를 수시로 들여다보거나 직접 투자 종목을 고르는 데 시간적 부담을 느끼는 중장년층의 수요가 몰리고 있다는 설명이다. 특히 장기간 관리가 필요한 연금 자산으로도 AI 투자일임 수요가 확산하고 있다. 핀트의 개인형퇴직연금(IRP) 일임 서비스 전체 가입자의 5060세대 비중은 47%로 절반에 육박한다. 현재 퇴직연금 RA 투자는 현재 IRP 계좌에서만 가능하다.2019년 4월 국내 최초로 AI 투자일임 서비스를 선보인 핀트의 총 운용자산(AUM)은 올해 6월 기준 약 5666억원으로, 퇴직연금 RA 시장에서 약 36.2%의 점유율을 차지한다. 현재 NH농협은행과 KB국민은행, IBK기업은행, BNK부산·경남은행 등에 맞춤형 자산관리 솔루션을 제공하고 있다. 유혜림 기자。    COPENHAGEN, Denmark -- Gale-force winds and floods struck several countries in Northern Europe as the region braced for more heavy rain on Friday. In Scotland, one person was reported dead after being swept into a river and authorities searched for a man thought to be trapped in his vehicle.The gale-force winds are expected to hit hardest in the eastern part of Denmark's Jutland peninsula and the Danish islands in the Baltic Sea. But the northern part of the British Isles, southern Sweden and Norway, and northern Germany are also on the path of the storm, named Babet by U.K.’s weather forecaster, the Met Office.Eastern Scotland continued to bear the brunt of the stormy weather. On Friday, the Met Office issued a new “red” warning for parts of eastern Scotland for further flooding throughout Saturday.A 57-year-old woman died Thursday after being swept into a river in the region of Angus, where 400 homes were evacuated. A police spokeswoman said they were informed Thursday about a man within a vehicle trapped in floodwaters in nearby Marykirk.With the worst of the heavy rain in Scotland set to diminish over the coming hours, emergency services warned that rivers may still rise and breach flood defenses. Some parts of the town of Brechin are only accessible by boat after its flood defenses were overwhelmed by the heavy rainfall, raising concerns about further loss of life.“I cannot stress how dangerous conditions are in Brechin in particular,” said Scotland’s first minister, Humza Yousaf.Wind gusts in excess of 60 mph (100 kph) were likely on Friday. Several major road sections and rail routes were closed in Scotland, while air passengers were facing flight cancellations.On Thursday, the Met Office issued a rare red alert — the highest level of weather warning — for parts of Scotland, predicting “exceptional rainfall” and “danger to life from fast-flowing or deep floodwater.” The last red alert in the U.K. was issued in 2020.The storm has already brought more than a month’s worth of rain in the worst-affected regions in Scotland and is set to pummel many parts of northern England over Friday.“It will probably be some kind of historic event,” Hans Peter Wandler of the Danish Meteorological Institute told the Ekstra Bladet daily. “But we’ll have to wait until it’s over to see if it’s going to be a two-year event or a 100-year event.” Police in southern Denmark — the Danish region expected to be the worst hit — said that a number of road sections in the low-lying areas were flooded and a few trees have also fallen. Citing the Danish Meteorological Institute — which issued a warning for “very dangerous weather,” its highest — police in southern Denmark said that the water level would continue to rise. Sea levels in parts of inland Danish waters were expected to rise up to 240 centimeters (nearly eight feet) above normal. In neighboring Sweden, meteorologists warned of the risk of extensive flooding which may cause limited access on roads and railways along the southern coasts of the Scandinavian country. Water levels were expected to begin dropping again on Saturday morning, Swedish meteorologists said.A bridge near Norway’s second-largest city was protectively closed, the Bergens Tidende newspaper said. Ferries across the region were canceled and air traffic was hampered, with delays and a few cancellations. The Swedish Transportation Authority suspended service of several train and bus lines in southern Sweden, because of the weather, prompting Skanetrafiken, the operator of the local transit system, to recommend ”avoiding travel on public transport.””Some regional bus routes will be canceled and there is a risk that both regional and replacement buses in service may also be canceled at short notice,” Skanetrafiken said on its website.In Germany, some streets and squares were flooded in the cities of Flensburg, Kiel and Wismar on the Baltic coast. Fallen trees caused some disruption, including a railway line. Ferry operator Scandlines suspended services on its Roedby-Puttgarden and Gedser-Rostock routes between Denmark and Germany.On Germany’s North Sea coast, the high winds had the opposite effect to the flooding on the Baltic coast, pushing the water further out and leading to very low water levels. Ferries to some North Sea islands were canceled.___Pan Pylas in London, and Geir Moulson in Berlin, contributed to this report.___Follow AP’s climate and environment coverage at https://apnews.com/hub/climate-and-environment。

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