26-8 우리 아이 자립펀드 도입 계획
작성자의 핵심 판단
대상 소득을 네 단계로 나누고 출생 기준일과 세제 혜택도 정하지 못한 채 제도를 시작하면 큰 논란이 생길 수 있다는 평가다.
근거 보기 3
- 원문 구간 1
essentially providing about 1 to 1.2 million won in support for the child. Since this is a fund, it seems the exact investment products haven't been decided yet. However, it is a fund that aims to generate a return of around 6% to deliver up to 70 million won when the child becomes an adult. Ah, the intention is really good, but I think there might be some controversy. Viewers of this broadcast will likely be thinking, "If there is no income, they don't pay a single penny and just give away all the information? Ah, that's not right." I think there might be people who think that way. No, asking me to pay more just because my income is high? Ah, I think there might be some controversy regarding this as well. Honestly, I felt that such measures were somewhat unnecessary. I think it is problematic to simply make people pay a small amount and exempt them from paying just because their income is higher. Because they have to pay, too. If everything is free, it
- 원문 구간 2
doesn't really feel like my own money, does it? Whether it's 10,000 won or 20,000 won, you have to pay. So, instead of making people pay 500,000 won or 1 million won, shouldn't we just level the playing field? Like asking them to pay just 100,000 won or 50,000 won, and then having the government provide support? If they show that minimum willingness, the government should provide substantial support. That is correct. Because it involves their own money. If you think about it—for example, if a child is born and you go through the trouble of paying money, opening an account, and doing something —isn't it right for the government to say, "We will give you money just for doing that"? I think it would be good if you could review this again. You are dividing people into grades, right? How many income levels are you dividing it into? Right now, it's divided into four levels. So, that is wrong from the start. Because it has to be simple.
- 원문 구간 3
Absolutely. We know we have to do this, don't we? When moving from one point to another, if there is even one step in the middle, we stop. A hurdle is created. There shouldn't be any hurdles. So, you have to know which income level you are in to prove your income, right? It makes sense to just do it without wasting time on that. So, instead of giving everyone a lump sum, I think it would be much better to reduce the amount and just distribute it based on income. I hope you will take this into consideration. There is one more point of controversy here, though. In fact, it's not just about the differential payment amount; the question of which child it applies to and when the child was born is currently a very hot topic of debate. In the case of the Trump account, it operates by covering the period from January 2015 to December 2018—that is , covering children from those already born to those yet to be born. However, in this case, it hasn't been decided
이 자료에서 다룬 사실
다음 해 예산안 자료에 우리 아이 자립펀드 예산 약 1,465억원이 담겼고, 국회 통과 전인 도입 계획으로 소개됐다.
근거 보기 2
- 원문 구간 1
great if you could introduce that to us . Yes. While talking about the Trump account, you mentioned that we could just copy it exactly, and in the comments, people were saying things like, "America is the best," and "Don't we have anything like this in Korea?" That's what you were saying. But actually, it does exist. I mean, it doesn't already exist, but since we are planning to implement it next year based on birth years, I prepared a discussion about that. I see. So we do have thoughts on it, and we are prepared. That's right. Exactly. Right. The budget for next year was announced around the end of August, and if you look at the budget data, there was just a single page. It was titled the "Our Child's Place Fund," and the budget was estimated at around 140 billion won. So, although it hasn't passed the National Assembly yet, it's actually a hot topic among mothers these days. I was thinking of discussing it on the "Stock Housewife" forum, but since you happened to be
- 원문 구간 2
talking about the Trump account at the Lee Yo-seok Academy, I brought it here. So, how much is the budget for the "Our Child Fund"? I think the "Independence" one was around 146.5 billion won. Ah, so actually, can't we allocate 146.5 billion won for our children? Right? We have to. Of course. Ah, our country's current government budget is 0.1 trillion won, not 800 trillion won. So, they say they won't even do this? That’s the thought that crosses my mind. But what exactly is the content? Well, if we look at it, there have been many programs supporting young people, such as "Youth Future Savings." So, there were many forms of support where the government would provide additional subsidies to those who were already young adults if they paid 500,000 won for three years. However, this "Our Child's Place Fund" is a fund designed to help build assets before one becomes a young adult, providing the necessary capital once they become young adults
그렇게 판단한 이유
소득 구간별 부모 부담과 정부 지원이 달라지고, 적용 출생 시점이 2027년 7월·2027년 1월·2026년 9월로 다르게 언급됐다는 점을 문제의 근거로 들었다.
근거 보기 3
- 원문 구간 1
—whether for continuing their studies , starting a business, or becoming independent. But the concept behind the Trump account is this: when a child is born, the government just gives you money. And if you want to contribute more later, do so, and we’ll give you tax benefits. That’s what it is, right? How is it set up in our country right now? Ah, in our country, the government provides subsidies on a differential basis according to the parents 'income. This does vary slightly depending on whether the income falls between 50%and 150%of the median income. First, if the income is below 50%of the median income, the parents do not make any contributions at all. Instead of the parents making any payments, the government provides 1.2 million won per year. They continue to provide 1.2 million won from the time the child is born until they become a young adult at age 19. They keep providing it. Yes. Oh. So, that amounts to about 22.8 million
- 원문 구간 2
essentially providing about 1 to 1.2 million won in support for the child. Since this is a fund, it seems the exact investment products haven't been decided yet. However, it is a fund that aims to generate a return of around 6% to deliver up to 70 million won when the child becomes an adult. Ah, the intention is really good, but I think there might be some controversy. Viewers of this broadcast will likely be thinking, "If there is no income, they don't pay a single penny and just give away all the information? Ah, that's not right." I think there might be people who think that way. No, asking me to pay more just because my income is high? Ah, I think there might be some controversy regarding this as well. Honestly, I felt that such measures were somewhat unnecessary. I think it is problematic to simply make people pay a small amount and exempt them from paying just because their income is higher. Because they have to pay, too. If everything is free, it
- 원문 구간 3
doesn't really feel like my own money, does it? Whether it's 10,000 won or 20,000 won, you have to pay. So, instead of making people pay 500,000 won or 1 million won, shouldn't we just level the playing field? Like asking them to pay just 100,000 won or 50,000 won, and then having the government provide support? If they show that minimum willingness, the government should provide substantial support. That is correct. Because it involves their own money. If you think about it—for example, if a child is born and you go through the trouble of paying money, opening an account, and doing something —isn't it right for the government to say, "We will give you money just for doing that"? I think it would be good if you could review this again. You are dividing people into grades, right? How many income levels are you dividing it into? Right now, it's divided into four levels. So, that is wrong from the start. Because it has to be simple.