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퇴직연금 ‘AI 투자’에 꽂힌 5060_我的网站

A |     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。

B |     As Mohanlal rings in his 65th birthday on May 21, his filmography stands as a towering testament to versatility, longevity, and brilliance. With hundreds of roles under his belt, the actor has explored nearly every genre—from intense family dramas and action thrillers to satirical comedies and metaphysical fantasies.      The Legend Beyond the Limelight      While hits like Drishyam, Kireedam, Vanaprastham, and Iruvar are rightly celebrated, there’s an equally rich collection of underappreciated films where his talent shines just as brightly, if not more. These films might not have shattered box office records or won national awards, but they reveal the risk-taker and craftsman within the superstar.      Here’s our pick of 10 hidden gems from Mohanlal’s staggering career that deserve your attention. 1. Sadayam (1992)           Directed by: Sibi Malayil | Written by: M.T. Vasudevan Nair      A dark and emotionally searing film, Sadayam sees Mohanlal as Sathyanathan, a man awaiting execution for a horrific crime. But the film gradually unveils the trauma and moral paradoxes that led him there. It’s a rare, gritty portrait of guilt, with Mohanlal delivering a raw, vulnerable performance that remains etched in the minds of those who’ve seen it.      2. Pingami (1994)           Directed by: Sathyan Anthikkad      Known mostly for slice-of-life dramas, Anthikkad surprised everyone with this somber thriller. Mohanlal plays an army officer drawn into a murder mystery after discovering a dying man's journal. Though the film didn’t generate much buzz at the time, it has since gained cult status for its gripping narrative and Mohanlal’s grounded performance. 3. Aham (1992)           Directed by: Rajeevnath      In this psychological drama, Mohanlal portrays Siddharthan, a man battling delusions and inner demons after a personal tragedy. This internalised performance, full of nuance and restraint, offers a haunting look at mental deterioration. Though it flew under the radar commercially, Aham remains a hidden treasure for those seeking character-driven storytelling.      4. Devadoothan (2000)           Directed by: Sibi Malayil      In a shift from conventional thrillers, Devadoothan introduces supernatural intrigue into a musician’s life. Mohanlal plays Vishal, who is mysteriously drawn to a haunted tune connected to a tragic past. The film was ahead of its time and received mixed reactions, but today it's praised for its eerie atmosphere and experimental style.      5. Ayal Kadha Ezhuthukayanu (1998)           Directed by: Kamal      In this dark comedy, Mohanlal plays a novelist whose fictional stories catch up with him in the real world. It's a clever satire on creative freedom, public perception, and the law. The actor delivers with pitch-perfect timing, balancing humour and gravitas. The film didn’t make waves on release but has since been revisited as a layered, thought-provoking watch.      6. Padamudra (1988)           Directed by: R. Sukumaran      Here, Mohanlal takes on dual roles: as a son and his estranged father, each shaped by society in opposing ways. The film delves into themes of abandonment, identity, and forgiveness. His performance is powerful and emotional, revealing both rage and regret with remarkable precision. Despite its depth, the film remains overlooked outside of cinephile circles.      7. Rajashilpi (1992)           Directed by: R. Sukumaran      A poetic and symbolic film, Rajashilpi reimagines the legend of Shiva and Parvati through the lives of a sculptor and his muse. Mohanlal’s portrayal is intense and spiritual, giving life to a deeply metaphorical story. While mainstream audiences didn’t fully connect with the film’s abstract narrative, it stands out as one of his boldest artistic choices.      8. Olympiyan Anthony Adam (1999)           Directed by: Bhadran      In this underrated cop drama, Mohanlal plays an undercover officer who takes a teaching job at a school to protect a child in danger. What begins as a standard police story soon tackles social issues like abuse and trust in institutions. With understated emotional depth and charm, Mohanlal anchors this thriller with realism.      9. Thiranottam (1978, released 2005)           Directed by: Mohan      This rarely-seen debut film starred a teenage Mohanlal playing a mentally challenged servant. Though it remained shelved for decades due to censorship, its eventual release showed glimpses of the immense talent that would later define a generation. It’s a humble but significant piece of cinematic history.      10. Guru (1997)           Directed by: Rajiv Anchal      This philosophical fantasy remains one of Mohanlal’s most intellectually ambitious works. He plays a militant who enters a parallel society where blindness is normal and sight is forbidden. As he begins to understand the roots of fear and ignorance, the film challenges viewers to rethink reality itself. India’s official submission to the Oscars that year, Guru remains criminally under-watched.      Timeless, Fearless, and Still Surprising      What makes Mohanlal’s career so fascinating is not just the quantity of his work, but the fearless curiosity that drives it. Even at the height of his superstardom, he chose offbeat scripts that explored difficult human truths and artistic experiments.      Mohanlal has never shied away from experimenting. These lesser-known films often show him embracing difficult, uncommercial roles that others might reject. Whether it’s dual characters, morally complex figures, or surreal narratives, Mohanlal brings a sense of truth to every role, even when the film around him falters.      As he turns 65, his legacy is as much about evolution as it is about consistency. These ten films might not be on every “top 10” list, but they hold a mirror to his creative soul; a man who, despite superstardom, never stopped being an actor first. See Also: Mohanlal’s Thudarum Hits ₹100 Crore Milestone, Continues To Break Records。

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