For young professionals, it's definitely better to max out pension savings for the tax credit
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It's always best to max out the tax credit to get the full refund.
If your annual salary is 55 million KRW or less, you get a 16.5% refund.
Even if you need to withdraw the principal later due to an emergency,
you only need to pay back the amount you received in tax credits, so you still profit by the interest amount.
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