우리아이자립펀드 부모 납입금도 ‘증여’…10년간 2000만원까지 공제

The Financial Services Committee plans to introduce a 'Our Children's Independence Fund' next year, allowing parents to contribute to the fund. If a parent deposits a set amount annually into the fund, they may be exempt from inheritance tax. According to a financial authority, this contribution will be included in the existing inheritance tax limit.

The fund contributes a fixed amount to the account annually, allowing the child to accumulate savings by the time they reach adulthood. For those in the middle-income bracket, the government provides support based on the parent's contribution, up to a maximum of 100 million won per year. The government assistance varies depending on the family's income level, with higher support for low-income households.

The fund's value is calculated based on the actual amount contributed by the parent, not its market value. The current law allows for a tax deduction for assets inherited by a child under 18 from a parent or legal guardian, limited to 20 million won over ten years. The government has allocated a significant portion of its budget to support young people, with a focus on financial literacy and savings for future generations.