Jjua's Dividend Investing Journey and Philosophy

Jjua, a retired investor, shares his 24-year investment journey, emphasizing dividend stock strategy and achieving 51% returns in the last 3 years.

### Jjua's Unconventional Investment Journey
Jjua, a retired public enterprise worker, now sustains himself as a YouTuber sharing investment advice. He claims to have made a profit of over 1 billion won from consistent stock investment and a frugal lifestyle. His total assets, including stocks and real estate, are estimated to be around 2.6 billion won, with additional income expected from her husband's retirement severance pay.

### Impressive Growth in Pottery Investment
The investment income from pottery has significantly increased over the last three years, with a total of 170 million won in dividend income. The realized profit from selling stocks is 130 million won, and the evaluation profit from the increase in stock prices is 670 million won, totaling almost 580 million won. The overall three-year return on investment is approximately 51%, with the majority of the gains coming from index investing.

### The Complexity of Stock Investing
It's challenging to predict stock prices, and blind trust in experts' views may not be wise. The speaker emphasizes the importance of considering the price when investing in stocks. Consumer goods and raw materials often show periodic increases, impacting stock performance. The speaker initially focused on trading and a few specific stocks before transitioning to dividend investments, eventually taking advantage of a buying opportunity when the KOSPI dropped.

### A Financial Journey: From Real Estate to Dividend Stocks
A person sold their house, lived in an officetel, and heavily invested in Hyundai Motor after taking out a mortgage. They then focused on high-dividend stocks to endure financial burden and stress while paying off the mortgage. By reinvesting dividends and not spending any money, they were able to significantly increase their initial capital over nine years.

### Concentrated Investment in Financial Stocks
The investor has a significant amount of money, around 900 million to 1 billion won, concentrated in Korea Investment & Securities and Hana Financial Group. This high concentration is due to the initial attraction of low stock prices and high dividends, leading to continuous accumulation. The investor is now considering the need for diversification, especially if the dividend rates drop, to avoid overconcentration in the financial sector.

### The Power of Dividend Investing: A Path to Financial Stability
Investing in stable assets like dividend stocks can significantly reduce the risk of losing everything, unlike high-leverage or volatile investments. The book "Dividend Investing: I Retired at 50" offers insights into the philosophy, stock selection, and the benefits of dividend investing, based on the author's personal experience of retiring early through dividend income. The book uses a gray-themed cover with a tree growing money to symbolize the steady growth and stability of dividend stock investing.

### Jjua's Investment Journey: From Public Servant to Early Retiree and Dividend Investor
* 💼  Jjua worked in a public enterprise for 24 years, retiring early in September 2023 and currently living off **stock investments and dividends** as an **unemployed YouTuber**.
* 📈  Over the past 24 years, Jjua has consistently invested **more than half of their salary in stocks**, with an estimated total investment amount of **1.8 billion won** and a current stock account valuation fluctuating between **1 billion and 1.6 billion won**.
* 💰  Jjua's monthly dividend income is approximately **10 million won**, totaling around **120 million won annually**, with a three-year return of **51%**.
* 🏠  Jjua started their investment journey by selling their house to invest in stocks, but quickly realized the benefits of **long-term dividend investing**, especially in **high-dividend stocks** during market downturns.
* 📊  The majority of Jjua's portfolio (60-70%) is concentrated in two stocks: **Hana Financial Group and Korea Investment & Securities**, with a combined investment amount of about **900 million to 1 billion won**.
* 📘  Jjua recently published a book titled "Dividend Investing: I Retired at 50," which discusses their investment philosophy, the characteristics needed for personal investment, how to choose dividend stocks, and the **pros and cons of dividend investing**.
* 🏦  Jjua's investment strategy focuses on **stable, high-dividend stocks**, leveraging compound interest and **reinvesting dividends** to achieve **long-term financial independence**.
* 📚  Jjua's book cover features an illustration of money growing on a tree, symbolizing the concept of **dividend stock investing** as a way to "**grow money**" over time.

'대출 NO, 배당 月 1000만원' 자발적퇴사女... 포트폴리오 모두 공개! SCHD, ETF 아니에요 (쭈압 / 1부)

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