고령사회에서의 금융투자자 보호

As South Korea enters a new era with an aged society, the number of financial investments by the elderly has also been rapidly increasing. The main reason for the increase of senior investors is found in extended life spans due to the development of medical technology and the change of the financial management style of the elderly. In the past, there were many cases where retirement funds were deposited in banks. Recently, however, there are increasing numbers of elderly people who want to manage retirement funds through more active investments, such as stocks or funds, due to low economic growth rate, steep inflation, and low interest rates. It is important to note that senior investors often find it difficult to understand the content and structure of complex financial products due to aging, and are concerned about old-age livelihoods. In addition, there is insufficient time to recover if losses are incurred because the remaining investment period is relatively short. Considering this situation, this study compares the senior investor protection systems between the U.S. and South Korea and thereby proposes recommendations for the Korean system.