I will tell you how to utilize an ISA account by 200% to prepare for my retirement living expenses with monthly dividend ETF Pro. Let me introduce some monthly dividend ETFs listed in Korea. The most important thing is that they are selected and packed with good things. It seems like it can't be helped to follow the trend. If you save the monthly dividends from the ISA account with spare money every month and calculate it with monthly compound interest, if you invest 750,000 won each month and earn a 5% annual return, after 30 years [music] Hello, everyone. I am the man who makes money with money. Who else but Money Rope Kim. Today, I will talk about how to utilize the hottest ISA account these days by 200% to prepare for my retirement living expenses with monthly dividend ETF Pro. Please watch the video until the end. Now, before we start the video.

There is an announcement. The first half of the year is coming to an end, and there is the last offline lecture of the first half. It will start at 7:30 p.m. on June 24th at CGV Myeong-dong Station Cinema Library. We ask for your active participation. Last time, the seats were fully booked, and we are showing the video now. Since this is the last lecture of the first half, we ask for your active participation. As I mentioned earlier, the number of ISA account subscribers has exceeded 5 million. Recently, we uploaded a video encouraging active use of ISA accounts, and it has been explosively popular. It turns out that one out of ten citizens has created an ISA account. If I briefly introduce the ISA account again, any Korean resident over 19 years old can sign up for it.

You can pay up to 20 million won each, and you can pay up to 100 million won. For example, there are benefits of tax exemption up to 4 million won, and even if it exceeds 4 million won, there is an advantage of being taxed at a low rate of only 9.9%. I mentioned that you can maximize this up to 100 million won all at once. So, what should you invest in? What should you include in this investment? These questions were also in the comments. But one thing we need to remember here is that there are different types of ISAs. Depending on the type, it may vary a bit. There are intermediary types, trust types, and human types. However, in the case of the human type, you are not choosing the investment product yourself. It's more like just entrusting everything, so you leave everything to them to handle.

The term commission is attached, so the commission is on the higher side. Now, as we are saving and investing, if the commission is high, would it be good? Yes, that's right. Therefore, it would be better to, in the case of Wemyeong, rather than having a high commission of 1%, we can select various products ourselves, even if it's bothersome, to directly put in. I recommend the intermediary or trust type so that we can put it directly. We should do this to some extent. Just blindly following what others do is not good, so I recommend going for the intermediary or trust type. In the future, if we don't have this passbook, it will be a bit difficult to invest in different items. I introduced ISA in the video, where there are many comments asking if you can invest in ISA stocks or ETFs. Also, in the US, there is TQQQ.

Even if you bought it, you earned at least three times as much. Comments like this are noticeable. The ISA account is a type of account where you can hold deposits, savings, and even things like ETF stocks efficiently. So, I would like to talk about how to do these things more efficiently. So, when stock prices have been rising significantly recently, some people think that investing only in individual stocks carries quite a bit of risk. Nevertheless, since they cannot avoid investing, the most attractive thing to stay in the investment market is high-dividend ETFs and monthly dividend ETFs. So, the trend of personal finance nowadays is exactly what I mentioned, high-dividend and monthly dividend ETFs. So, the money left today, in this money corner, is all about money.

I have prepared a beneficial economics book review time featuring the book JULY for you. During this JULY book review time, I will recommend good books and briefly introduce the content of each book. The book I brought today is related to high-dividend monthly dividend ETFs, which many people are currently interested in. I have a book that provides detailed information on this topic, so I brought it with me. This book is written by the owner of the popular YouTube channel Dallant Investment, Mr. Iraehak Lee. The book is titled Follow High-Dividend Stock Investment Blindly. When I say this, many people might think, Oh, this is just an advertisement for the book, but it's not an advertisement. I am introducing the content to you. It's considered a trend in high-dividend monthly dividend ETF investments.

There are many domestic dividend ETFs. It may be difficult for me to provide the exact product names, but there are Arirang High Dividend, Kodex Dividend Value, and Tiger Real Estate Infrastructure High Dividend, among others. I briefly introduced ETFs through past videos. The most important thing is shown next to it, which is the trading volume. What is trading volume? There are many types of ETFs, so just because dividend ETFs are on-trend, it doesn't mean you should invest in any. It is not always about dividends. Just like stocks, if trading is not active, it may not be a good ETF. So, what is an ETF? It stands for Exchange-Traded Fund.

In the fund trading market, if all assets are purchased in the underlying assets, it may result in less active trading, which could indicate a lower potential for increase. Therefore, at least according to the book's recommendation, it is advised to focus on ETFs with an average trading volume of over 500 million KRW. It is important to remember that ETFs are selected based on an average trading volume of over 500 million KRW. Moving on to the key information of dividend ETFs, there are underlying assets in ETFs that track the asset prices, which are called ETF fund base tigers. As I mentioned earlier, the important thing is that these stocks, as I mentioned before, track certain underlying assets, and it is crucial to know the weight of the top five stocks that are tracking these underlying assets.

I mentioned that we need to check and select stocks with an average daily trading volume of at least 500 million won. However, when it comes to dividends, we inevitably prefer the United States over domestic stocks. The origin of dividends must be the United States; even the concept of shareholder returns originates from the U.S. Recently, domestic stocks have been increasing dividends, but in terms of the history of capital markets or the history of dividends, the U.S. has a very long history of dividends. Unlike Korea, where dividends are paid annually or quarterly, in the U.S., there is a culture of paying dividends monthly. This creates a very different dividend style from Korea, giving a feeling like receiving monthly rent even after buying stocks. Therefore, it is a fixed notion that U.S. dividend stocks are better than domestic ones.

It is conceptualized, as you may know, but when asked what a monthly dividend ETF is, first, we need to understand what a dividend is. Many people may already know, but we refer to those who own stocks as shareholders. Shareholders are those who own shares in a company and receive profits based on the policy of shareholder returns. Therefore, dividend is distributing the profits of a company to shareholders based on the ownership stake of the shares they hold. So, in general, domestic stocks typically pay dividends once a year, but in the U.S., there are many stocks that pay monthly dividends. Therefore, in the case of monthly dividend ETFs, in order to pay dividends, the stock prices of dividend-paying stocks need to rise, or funds need to be available for dividends. Dividends, interest, and other profits coming from the constituent stocks such as stocks, bonds, market indices, etc., are paid out in the form of monthly distributions. Depending on the source of the cash that pays out dividends in such cases, the types can vary greatly, and these monthly dividends.

You can think of ETFs that mainly invest in dividend stocks as basic assets as monthly dividend ETFs. The advantage of these monthly dividend ETFs is that since you are not buying specific stocks, you can invest in dividend stocks of many companies with a small amount of money. So, it is necessary for you to take a look at the types of monthly dividend ETFs, which are currently the trend in personal finance. Undoubtedly, the trend leans towards American monthly dividend ETFs. For example, one representative ETF is the SPDR Dow Jones Industrial Average ETF, which has a very well-known name. Then, there are Invesco S&P 500 Low Volatility ETF and WisdomTree Dividend Growth Fund. The term volatility that appears here is what we commonly refer to as risk in economics.

We talk about this, so low volatility ETFs are ETFs with very low volatility, as the content is now being carved out. In addition to these U.S. monthly dividend ETFs, there are also major dividend growth ETFs. If you look now, there is Vanguard Dividend Appreciation ETF, which may sound familiar to many of you. Vanguard is well known for its index funds. Recently, there has been a lot of talk about SCHD by iShares, also known as the US Dividend Equity ETF. It is very popular. Unlike monthly dividends, this fund is known for its quarterly dividends. However, it has gained a lot of attention recently, as many people are interested in it. As I mentioned earlier, these very popular dividend growth ETFs exist. However, what is important for us is, well, dividend-paying stocks in the United States.

In the same case, you need to be careful with taxes and exchange rates, and some people feel a bit unfamiliar now that it's the United States. Also, for U.S.-listed ETFs, there is a 22% capital gains tax, so although it's very popular and good, many people think it's not tax-efficient. Ultimately, in an ISA account, direct investment in U.S. ETFs is a bit impossible. So, some may think that investing in monthly dividend ETFs for retirement preparation cannot be done through the method I just mentioned. However, that's not the case. There are domestic monthly dividend ETFs that track U.S. dividend indexes. So, ETFs listed domestically that directly track U.S. dividend indexes are available.

This is a story about being able to hold ISA. This means that it can contain ISA. Now, let me introduce some domestic monthly dividend ETFs that are listed in the country. There is the Tiger U.S. Dividend Dow Jones, also the Ace U.S. 30-year Treasury Active Fund, and the Tiger U.S. Dividend Plus 7% Premium. Next, there is the Sol U.S. Dividend Dow Jones, a monthly dividend ETF. So, it means that there are ETFs in the domestic market that track the U.S. dividend index. There are various types of domestic monthly dividend ETFs, totaling as many as 58, with a total net asset value reaching 7 trillion 2,209.6 billion won as of May 2, 2014. Therefore, this is not a marginal trend, but it is truly playing a central role in the ETF market. This is the story of how this is happening.

Can we confirm that you can find it yourself, not only what I showed you and gave examples of, but you can also find it yourself? If you go to the website operating KRX ES in Korea, you can easily search for all domestic ETFs with keywords. So, many people might think, Why bother with an ISA account for domestic-listed US dividend ETFs when I can just do it in a regular account? I would like to mention that compared to doing it in a regular account, what are the advantages of doing it in an ISA account? For example, if you invest 100 million and assume a return rate of about 5% annually, the profit itself will be subject to taxation. Taking into account the part where the taxation is deferred, there is a difference of about 30 million won. This means that over a year, it would be for 10 years.

There is quite a difference of about 3 million won, so it is not a small amount. Therefore, I think I can say that the income generated from an ISA account is not taxed immediately but is postponed for taxation. However, in the case of a regular account, taxes are deducted immediately. In an ISA account, you can reinvest the remaining amount that was deferred from taxation, thinking of it in terms of compound interest. When calculating the rate of return over 10 years at 5% per annum, there can be a significant difference of as much as 30 million won. So, it is crucial to manage an ISA account promptly. If we calculate it monthly with compound interest, investing 750,000 won each month with a 5% annual return, after 30 years, it will be 6.1414 billion won.

It's about 100 million won. Of course, there is an assumption about time, but if you make 100 million won by raising mosquitoes and collect monthly dividends from an ISA account as spare money, you can feel a sense of accomplishment and build up retirement funds stably in the long run. So, what I want to say is that while making 100 million won today, it would be nice to invest some spare money in a stable and long-term manner, as many people are curious about it. Therefore, I talked about where to invest and how to do it. So, today's money tip is that in order to build a stable retirement, I hope you develop a habit of diligently and steadily investing along with the current trend of personal finance as soon as possible.

"월배당 ETF? SCHD?" ISA계좌 이걸로 채우세요. 노후에 매월 돈 나옵니다 #돈쭐남 #김경필

부(富) + Multiple(배수) 부, 자기계발, 커리어의 배수를 높여라!

재테크, 자기계발, 부업, 창업, 커리어 등 여러분의 부를 높일 수 있는 모든 정보를 알기 쉽게 전합니다. 

▶광고문의: cidermics_biz@cidermics.com
▶출연문의: contact@cidermics.com

