Planning for retirement is a significant life stage, and understanding the relevant terminology is crucial, especially if you’re navigating this in Korea. This guide covers essential Korean expressions related to retirement consulting, helping you discuss financial planning, pensions, and future preparations effectively. Learn the key phrases needed to seek advice and make informed decisions about your post-career life in Korea.
Table Of Content
Core Expression
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Expression: 퇴직컨설팅
Pronunciation: toe-jik-keon-seol-ting
Meaning: Retirement Consulting
Key Vocabulary
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Expression: 퇴직
Pronunciation: toe-jik
Meaning: Retirement -
Expression: 컨설팅
Pronunciation: keon-seol-ting
Meaning: Consulting -
Expression: 은퇴
Pronunciation: eun-toe
Meaning: Retirement (often used interchangeably with 퇴직, sometimes implies a more complete withdrawal from work) -
Expression: 노후 준비
Pronunciation: no-hu jun-bi
Meaning: Preparation for old age / Retirement preparation -
Expression: 재무 설계
Pronunciation: jae-mu seol-gye
Meaning: Financial planning -
Expression: 연금
Pronunciation: yeon-geum
Meaning: Pension -
Expression: 국민연금
Pronunciation: guk-min-yeon-geum
Meaning: National Pension -
Expression: 퇴직금
Pronunciation: toe-jik-geum
Meaning: Severance pay / Retirement allowance -
Expression: 상담
Pronunciation: sang-dam
Meaning: Consultation / Counseling -
Expression: 전문가
Pronunciation: jeon-mun-ga
Meaning: Expert / Specialist -
Expression: 자산 관리
Pronunciation: ja-san gwal-li
Meaning: Asset management -
Expression: 투자
Pronunciation: tu-ja
Meaning: Investment
Basic Phrases
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Expression: 퇴직컨설팅을 받고 싶어요.
Pronunciation: toe-jik-keon-seol-ting-eul bat-go si-peo-yo.
Meaning: I want to receive retirement consulting. -
Expression: 노후 준비는 어떻게 해야 하나요?
Pronunciation: no-hu jun-bi-neun eo-tteo-ke hae-ya ha-na-yo?
Meaning: How should I prepare for retirement? -
Expression: 퇴직 관련 상담을 예약하고 싶습니다.
Pronunciation: toe-jik gwal-lyeon sang-dam-eul ye-yak-ha-go sip-seum-ni-da.
Meaning: I would like to book a consultation regarding retirement. -
Expression: 연금 제도에 대해 설명해 주세요.
Pronunciation: yeon-geum je-do-e dae-hae seol-myeong-hae ju-se-yo.
Meaning: Please explain the pension system. -
Expression: 재무 설계 전문가와 상담하고 싶어요.
Pronunciation: jae-mu seol-gye jeon-mun-ga-wa sang-dam-ha-go si-peo-yo.
Meaning: I want to consult with a financial planning expert. -
Expression: 퇴직 후 생활비는 얼마나 필요할까요?
Pronunciation: toe-jik hu saeng-hwal-bi-neun eol-ma-na pil-yo-hal-kka-yo?
Meaning: How much living expenses will I need after retirement? -
Expression: 퇴직금은 어떻게 계산되나요?
Pronunciation: toe-jik-geum-eun eo-tteo-ke gye-san-doe-na-yo?
Meaning: How is the severance pay calculated? -
Expression: 은퇴 계획을 세우고 있습니다.
Pronunciation: eun-toe gye-hoek-eul se-u-go it-seum-ni-da.
Meaning: I am making a retirement plan. -
Expression: 안정적인 노후를 위해 준비하고 싶어요.
Pronunciation: an-jeong-jeo-gin no-hu-reul wi-hae jun-bi-ha-go si-peo-yo.
Meaning: I want to prepare for a stable retirement. -
Expression: 퇴직 컨설턴트 추천해 주실 수 있나요?
Pronunciation: toe-jik keon-seol-teon-teu chu-cheon-hae ju-sil su it-na-yo?
Meaning: Can you recommend a retirement consultant?
Useful Expressions for Consulting
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Expression: 제 재정 상황에 맞는 퇴직 계획을 세우고 싶습니다.
Pronunciation: je jae-jeong sang-hwang-e mat-neun toe-jik gye-hoek-eul se-u-go sip-seum-ni-da.
Meaning: I want to create a retirement plan that fits my financial situation. -
Expression: 국민연금 외에 추가적인 연금 상품이 있나요?
Pronunciation: guk-min-yeon-geum oe-e chu-ga-jeo-gin yeon-geum sang-pum-i it-na-yo?
Meaning: Are there additional pension products besides the National Pension? -
Expression: 퇴직금을 어떻게 투자하는 것이 좋을까요?
Pronunciation: toe-jik-geum-eul eo-tteo-ke tu-ja-ha-neun geo-si jo-eul-kka-yo?
Meaning: How would it be best to invest my severance pay? -
Expression: 노후 자금 마련을 위한 투자 전략을 알려주세요.
Pronunciation: no-hu ja-geum ma-ryeon-eul wi-han tu-ja jeol-lya-geul al-lyeo-ju-se-yo.
Meaning: Please tell me about investment strategies for securing retirement funds. -
Expression: 건강 보험과 장기 요양 보험에 대해서도 상담받고 싶습니다.
Pronunciation: geon-gang bo-heom-gwa jang-gi yo-yang bo-heom-e dae-hae-seo-do sang-dam-bat-go sip-seum-ni-da.
Meaning: I would also like to consult about health insurance and long-term care insurance. -
Expression: 예상 은퇴 시기와 목표 생활 수준을 고려해 주세요.
Pronunciation: ye-sang eun-toe si-gi-wa mok-pyo saeng-hwal su-jun-eul go-ryeo-hae ju-se-yo.
Meaning: Please consider my expected retirement age and target standard of living. -
Expression: 투자 위험을 최소화하는 방법을 알고 싶습니다.
Pronunciation: tu-ja wi-heom-eul choe-so-hwa-ha-neun bang-beo-beul al-go sip-seum-ni-da.
Meaning: I want to know how to minimize investment risk. -
Expression: 상속 및 증여 계획에 대한 조언도 필요합니다.
Pronunciation: sang-sok mit jeung-yeo gye-hoek-e dae-han jo-eon-do pil-yo-ham-ni-da.
Meaning: I also need advice on inheritance and gift planning. -
Expression: 퇴직 후 소득원을 어떻게 다양화할 수 있을까요?
Pronunciation: toe-jik hu so-deu-gwon-eul eo-tteo-ke da-yang-hwa-hal su i-sseul-kka-yo?
Meaning: How can I diversify my income sources after retirement? -
Expression: 컨설팅 비용은 어떻게 되나요?
Pronunciation: keon-seol-ting bi-yong-eun eo-tteo-ke doe-na-yo?
Meaning: How much is the consulting fee?
Korean Culture Notes
Understanding retirement in Korea involves recognizing cultural nuances. Traditionally, supporting elderly parents was primarily the children’s responsibility. However, with changing family structures and increased life expectancy, personal retirement planning (노후 준비 – no-hu jun-bi) has become increasingly important.
The National Pension Service (국민연금 – guk-min-yeon-geum) forms the backbone of retirement income for many, but awareness is growing that it may not be sufficient alone. This drives demand for private pensions and retirement consulting services.
Retirement (퇴직 – toe-jik or 은퇴 – eun-toe) is often seen not just as stopping work, but as a transition to a new phase of life. Many Koreans explore second careers, hobbies, or volunteer work post-retirement.
Financial security in old age is a major concern. Discussions about retirement often involve topics like healthcare costs, potential long-term care needs, and ensuring financial independence without burdening children.
Seeking professional advice through 퇴직컨설팅 (toe-jik-keon-seol-ting) is becoming more common, especially among younger generations who prioritize early planning for a stable future.
Real Conversation Example
Situation: Mr. Kim visits a financial advisor’s office to discuss retirement planning.
Roles: A: Mr. Kim (Client), B: Financial Advisor (Consultant)
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Expression: A: 안녕하세요, 퇴직컨설팅을 받으러 왔습니다.
Pronunciation: an-nyeong-ha-se-yo, toe-jik-keon-seol-ting-eul ba-deu-reo wat-seum-ni-da.
Meaning: Hello, I came here for retirement consulting. -
Expression: B: 네, 어서 오세요. 어떤 점이 궁금하신가요?
Pronunciation: ne, eo-seo o-se-yo. eo-tteon jeom-i gung-geum-ha-sin-ga-yo?
Meaning: Yes, welcome. What are you curious about? -
Expression: A: 이제 곧 퇴직을 앞두고 있어서 노후 준비를 어떻게 해야 할지 상담받고 싶습니다.
Pronunciation: i-je got toe-ji-geul ap-du-go i-sseo-seo no-hu jun-bi-reul eo-tteo-ke hae-ya hal-ji sang-dam-bat-go sip-seum-ni-da.
Meaning: I’m approaching retirement soon, so I’d like to get counseling on how to prepare for my later years. -
Expression: B: 잘 오셨습니다. 먼저 고객님의 현재 재정 상황과 은퇴 후 목표 생활 수준에 대해 이야기 나눠볼까요?
Pronunciation: jal o-syeot-seum-ni-da. meon-jeo go-gaeng-nim-ui hyeon-jae jae-jeong sang-hwang-gwa eun-toe hu mok-pyo saeng-hwal su-jun-e dae-hae i-ya-gi na-nwo-bol-kka-yo?
Meaning: You’ve come to the right place. First, shall we discuss your current financial situation and your target standard of living after retirement? -
Expression: A: 네, 좋습니다. 국민연금이랑 퇴직금이 있는데, 이걸로 충분할지, 아니면 추가 투자가 필요할지 모르겠어요.
Pronunciation: ne, jo-seum-ni-da. guk-min-yeon-geum-i-rang toe-jik-geum-i it-neun-de, i-geol-lo chung-bun-hal-ji, a-ni-myeon chu-ga tu-ja-ga pil-yo-hal-ji mo-reu-ge-sseo-yo.
Meaning: Yes, that sounds good. I have my National Pension and severance pay, but I’m not sure if this will be enough or if I need additional investments. -
Expression: B: 알겠습니다. 고객님의 상황에 맞는 최적의 재무 설계와 투자 전략을 함께 찾아보겠습니다.
Pronunciation: al-get-seum-ni-da. go-gaeng-nim-ui sang-hwang-e mat-neun choe-jeo-gui jae-mu seol-gye-wa tu-ja jeol-lya-geul ham-kke cha-ja-bo-get-seum-ni-da.
Meaning: Understood. We will find the optimal financial plan and investment strategy tailored to your situation together.
Practice Tips
Getting comfortable with terms like 퇴직컨설팅 (toe-jik-keon-seol-ting) takes practice! Try reviewing the vocabulary list and creating your own sentences about retirement planning~ You could role-play a consultation scenario with a friend or language partner. Researching Korean financial institutions or pension plans online can also expose you to these terms in context. Don’t hesitate to use these phrases when discussing future plans! 화이팅! (hwa-i-ting! – You can do it!)
