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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。    MANILA, Philippines -- A Chinese coast guard ship and one of its militia vessels separately bumped a Philippine coast guard ship and a military-run supply boat Sunday off a contested shoal, Philippine officials said, in a serious flareup that could heighten fears of an armed conflict in the disputed South China Sea.A top Philippine security official told The Associated Press there were no injuries among the Filipino crew members and an assessment of the damage to both vessels was underway. The official added that the incidents near the Second Thomas Shoal could have been worse if they were not able to maneuver rapidly away from the Chinese ships. The official spoke on condition of anonymity due to a lack of authority to publicly discuss details of the incidents.The United States, a longtime treaty ally of the Philippines, immediately condemned the actions by China's ships. The Philippine government also condemned the latest confrontations in “the strongest degree” and called them a violation of Manila’s sovereignty.The Chinese coast guard said the Philippine vessels “trespassed” into what it said were Chinese waters “without authorization” despite repeated radio warnings, prompting its ships to stop them. It blamed the Philippine vessels for causing the collisions."The Philippine side’s behavior seriously violates the international rules on avoiding collisions at sea and threatens the navigation safety of our vessels,” the Chinese coast guard said in a statement posted on its website.The U.S. Ambassador to Manila, MaryKay Carlson, said in a post on X, formerly known as Twitter, that “the United States condemns the PRC's latest disruption of a legal Philippine resupply mission to Ayungin shoal, putting the lives of Filipino service members at risk.”She used the initials for China's formal name, the People's Republic of China, and the name the Philippines uses for the Second Thomas Shoal. She added that Washington was standing with its allies to help protect Philippine sovereignty and to support a free and open Indo-Pacific region.A Philippine government task force dealing with the South China Sea disputes said the collisions occurred as two Philippine supply boats escorted by two Philippine coast guard ships were heading to deliver food and other supplies to the atoll in the face of a years-long Chinese blockade.The task force said it “condemns in the strongest degree the latest dangerous, irresponsible, and illegal actions of the Chinese coast guard and the Chinese maritime militia done this morning in violation of Philippine sovereignty, sovereign rights and jurisdiction."The actions by the Chinese ships were “in utter blatant disregard of the United Nations Charter, the United Nations Convention on the Law of the Sea” and international regulations that aim to prevent sea collisions, said the Philippine task force, which includes the country’s defense and foreign affairs departments, the military, national security council and the coast guard.Near-collisions have happened frequently as Philippine vessels regularly deliver supplies to Filipino marines and sailors stationed on the disputed shoal. But this was the first time Philippine officials have reported their country’s vessels being hit by China’s ships.In the first incident that happened Sunday morning, “dangerous blocking maneuvers of China coast guard vessel 5203 caused it to collide with the Armed Forces of the Philippines-contracted indigenous resupply boat Unaiza May 2,” the task force statement said. It said the “provocative, irresponsible, and illegal action” of the Chinese coast guard ship “imperiled the safety of the crew."The Chinese coast guard gave a different version and said the Philippine supply boat deliberately crossed the bow of its ship, which was on a routine law enforcement patrol, “resulting in a slight collision."Separately, Philippine coast guard ship BRP Cabra’s left side “was bumped by Chinese maritime militia vessel 00003 while it was lying to” northeast of the Second Thomas Shoal, the statement said.The Chinese coast guard said the Philippine ship “deliberately provoked trouble” by reversing its direction, causing its stern to collide with the Chinese vessel and “heating up the situation at the scene." In the past, Chinese officials have played down claims that the Chinese vessels were military militia ships meant to look like fishing boats.Despite the Chinese coast guard blockade, one of the two Philippine navy-manned boats managed to maneuver past the Chinese vessels and deliver supplies to the small contingent stationed on board a long-marooned but still actively commissioned warship, the BRP Sierra Madre, the task force said.It was the latest flare-up in long-simmering territorial disputes in the South China Sea, one of the world’s busiest trade routes. The conflicts, which involve China, the Philippines, Vietnam, Malaysia, Taiwan and Brunei, are regarded as a potential flashpoint and have become a delicate fault line in U.S.-China rivalry in the region.In early August, a Chinese coast guard ship used a water cannon against one of two Philippine supply boats to prevent it from approaching Second Thomas Shoal. The move, which was caught on video, outraged President Ferdinand Marcos Jr. and prompted the Department of Foreign Affairs in Manila to summon the Chinese ambassador to convey a strongly worded protest.Washington reacted by renewing a warning that it is obligated to defend the Philippines as a treaty ally.The Chinese Foreign Ministry accused Washington of “threatening China” by raising the possibility of activating the U.S.-Philippine mutual defense treaty. Beijing has repeatedly warned the U.S. not to meddle in regional territorial disputes.Later in August, the Philippines again deployed two boats that got past the Chinese coast guard blockade and delivered supplies to the Filipino forces at Second Thomas Shoal. Two Philippine coast guard ships escorting the supply boats, however, were prevented by Chinese coast guard ships from maneuvering closer to the shoal. A U.S. Navy surveillance aircraft flew in circles in support of the Philippine vessels as the standoff continued for more than three hours.A 2016 arbitration ruling set up under the 1982 U.N. Convention on the Law of the Sea invalidated Beijing’s claims on historical grounds to virtually the entire South China Sea. China refused to participate in the arbitration sought by the Philippines, rejected the decision and continues to defy it.___Associated Press journalist Huizhong Wu contributed to this report from Bangkok.。

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Published on:06:03:04