Economic Overview and Low-Risk Investment Product Review

Interest rates are likely to decline, signaling a pivotal moment for low-risk investments.

### The Impact of Interest Rates on Low-Risk Investments
Interest rates have been steadily increasing since December 2020, with the U.S. reaching **5.5%** and South Korea around **3.5%**. The U.S. recently lowered interest rates for the first time in four years, signaling a **potential shift towards rate cuts**, while South Korea is also expected to follow suit. The rising housing prices in South Korea pose a challenge for policymakers, as they contribute to **asset polarization** and can lead to a **potential change in government**.

### Decreasing Car Demand and Bank Investment Risks
The demand for car purchases has dropped, leading to a potential **delay in lowering the country's base interest rate**. A savings bank is offering a **4.2% interest rate for a six-month deposit**, but its significant operating loss raises concerns about its **stability**. General commercial banks and regional banks are providing more attractive and safer deposit options with interest rates between **3% and 4%**.

### Short-Term Bond Investment Options
There are seven stable investment options for short-term bonds, with Plus Short-Term Bonds offering the **best yield** and KODEX Short-Term Bonds Plus providing **more stability**. Short-term bond funds have deposit dividend rates of **5% to 6%**, higher than the **3% to 4%** from ETFs, due to a larger proportion of corporate bonds. It's important to avoid medium-term bonds and ESG short-term bonds when seeking **low-risk, stable return products**.

### Choosing Between Short-Term Bond ETFs and Issued Notes
The Core Rate Select Fund, with a size of **1.3 trillion won** and a low fee of **0.2%**, offers decent returns and could be a good choice for **emergency funds**. Issued notes in South Korea, facilitated by platforms like Toss, offer attractive returns of **3% to 4.3%** and provide a **safe investment option**. However, investing in short-term bond ETFs may offer more learning opportunities through **return fluctuations** and **economic conditions**, while issued notes may lead to **less engagement and learning**.

### Investment Opportunities in Korean Bonds and ELBs
The speaker has created a list of investment securities in Korea, focusing on bonds with a **credit rating of A minus or higher** and a maturity of **three years or less**. Bond yields are declining due to **decreasing risks and potential interest rate cuts**, while companies like Kiwoom Securities, Lotte Capital, and Qoon Capital are actively issuing bonds. The High 5 ELB from Namoo Securities, with an investment period of **one year** and a potential **7% return**, is currently open for subscription, offering a way to invest in **KB Financial and Samsung Electronics**.

### Practicing Investments with Small Amounts
Investing small amounts in products like ELB can help you **observe economic conditions and stock market situations** with minimal risk. The current minimum subscription amount is about **1 million won**, making it a **good learning opportunity**. The speaker discusses the economic situation, the likelihood of a **rate cut**, and reviews various **low-risk investment products**, offering **free lectures for further study**.

### Economic Insights and Low-Risk Investment Strategies for October
* 📊 As October approaches, the economic landscape is shifting, with **potential interest rate cuts on the horizon**, marking a **significant turning point** for both low-risk product investors and portfolio managers.
* 💵 Interest rates in the U.S. have risen to **5.5%** since December 2020, while South Korea's rates remain around **3.5%**, raising concerns about the **economic impact of these disparities**, but robust exports have provided some relief.
* 📉 The U.S. recently lowered interest rates by **0.5%**, the first cut in **four years**, prompting speculation about a similar move in South Korea, where a rate cut might occur as **early as November**.
* 🏠 Rising housing prices in South Korea pose challenges for policymakers, creating a situation where the **wealthy benefit** while those without assets face **increasing deprivation**, complicating the decision on interest rates.
* 🏦 In the realm of low-risk products, a unique savings bank offers a **4.2% interest rate** for six-month deposits, but concerns about the bank's financial health, including a **549 million won operating loss**, may deter cautious investors.
* 📈 For safer options, commercial banks like NH and Jeonbuk Bank present more reliable choices with **interest rates between 3% and 4%**, and short-term bond ETFs and funds are recommended for **managing emergency funds**.
* 💡 Short-term bond ETFs generally offer **lower yields** (around **3%-4%**) compared to short-term bond funds (**5%-6%**), but with **lower risk** due to their composition, making them suitable for **conservative investors**.
* 📚 The discussion concludes with a recommendation to **explore various low-risk products**, including ELBs, and encourages viewers to engage in further learning through available resources, emphasizing the **importance of informed investment choices**.

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