This is an analysis of institutional stocks. Today, we are focusing on the AS time. Ultimately, the combination of monthly dividend ETFs is essential. I have prepared some content regarding what you should prioritize when investing for the long term, and I will share my honest thoughts on this.

The market atmosphere is quite unusual. Today, the KOSPI and NASDAQ have faced very challenging times. I really like the matrix chart, which allows me to view the market at a glance, and because of this chart, I cannot give up on Daishin Securities. The NASDAQ is presented all at once, along with the S&P and the euro. The euro is included because the dollar is also shown here. As the dollar has weakened, the yen has relatively strengthened. This is a very important point, and I have prepared this material in three parts. The yen has risen significantly, and the Nikkei has dropped tremendously today. This is due to the futures index.

The actual index has dropped close to 5%, which is a significant decline. Silver and gold have risen considerably as they serve as relatively safe assets. Bonds, including 10-year and 2-year bonds, both short-term and long-term, have also increased in value. This rise in bonds indicates a growing demand for safe assets. In contrast, crude oil and similar commodities have seen a decline. Overall, you can see that global indices have sharply fallen, with the Nasdaq dropping about 1.5%. Despite the decline of the dollar, the yen has appreciated, which adds a layer of complexity to the situation. Looking at the major indices, this is the 10-year long-term bond. I have mentioned recently that bond prices are indeed rising.

It's important because while indices and bonds can move together at times, in most cases, when the index falls, bonds rise, and when the index rises, bonds fall. They are representative of safe assets and aggressive assets, often moving in opposite directions. In any case, the fact that bonds are rising suggests that the index might be under pressure, which can be inferred from just that. 

If you look closely, the dollar is the biggest issue. When interest rates were being raised, the dollar surged, but at the beginning of 2024, it was predicted that the dollar would decline. This was because there had been six interest rate cuts at that time. However, in reality, there were no interest rate cuts, and the dollar continued to show signs of recovery, although it recently appeared to be slightly declining. Nevertheless, it hasn't actually declined, as evidenced by the recent FOMC meeting in July, where the Federal Reserve...

There were many views suggesting that if we had lowered interest rates once, we could have prevented such a shock. Ultimately, this is connected to the recent drastic drop in the Nasdaq. The decline has been more severe than I initially expected, and since then, the market has been falling for about four to five consecutive days. The Nasdaq index, which was once approaching 20,000, has now dropped to around 18,000. 

Now, let's delve deeper into our monthly dividend strategy. The most important points are twofold. This resembles our existing covered call strategy, which can be seen as a form of income generation. However, it is not the traditional covered call. In a traditional covered call, if I own 100 shares, I must sell 100 shares. This means I would be completely hedged against the stock while collecting the premium.

The premium is essentially the traditional covered call strategy. As you know, in the case of Taidang 7, it involves investing 60% in stocks and 40% in options, allowing for some participation in the stock's upward movement. This strategy is operated with stocks that are considered very safe. However, despite this, the potential for upward movement is somewhat limited. This is because the options account for 40% of the investment, which reduces the stock's proportion; it is not 100% in stocks. Therefore, while there is some limitation on the upward movement due to the value of the options, the structure also means that the potential for gains is restricted because of the call writing position in the options. So, when the stock price rises, it's still favorable because the increase is limited but not absent. On the other hand, it is also good when the stock price falls, as the decline is offset by the premium received.

It is pushed back this much, and it needs to go down a bit more. In this situation, while incurring losses from the premium on call options, the stock is continuing to decline. It's needless to say that in a flat market, premiums are also being consumed, so there are many cases where it is advantageous in various ways. However, in reality, when it comes to covered calls involving Nasdaq, AI, and big tech, it is incredibly aggressive. If you look at it, the Nasdaq is at 100, participating in 90% of the rise. Even though there are only 10 options, the reason for the high premium is that it operates on a monthly basis, running once a month. In contrast, some operate twice a week, and some even daily. Because they are exposed to options every day, the premiums are high, but...

The Nasdaq is more influenced by the rise, which means that the premium of options is currently very popular in covered calls. In a way, this has somewhat transformed; you can essentially think of it as a stock. The key point is the underlying index. When considering what to invest in for the long term, if you had invested in the Nasdaq at around 13,000 or 14,000, that would be one thing, but now, at a point where it is eyeing 20,000, and given the current international situation with various issues, including wars and the competition in approval ratings between Trump and Harris, it seems that the market is heading in one direction. Ultimately, the results need to support this trend, and we are currently in earnings season. As you saw yesterday, Intel dropped 28% during trading. So, this leads to...

In fact, the form of participation that continues to rise is the covered call, which has some difficulties in increasing as much as one might expect. Looking at bonds, they yield about 2.2%, while overseas stocks have a basic S&P average dividend yield of 2.2%. Overseas bonds tend to have higher interest rates, yielding around 4.3%, and domestic stocks have risen to about 4.6%. When mixing assets, there are some losses, but REITs are one of the portfolios we must include. What I will discuss today ultimately involves investing in REITs, which can safely yield around 6.8%. Additionally, considering the interest rates, it seems that people in our country also prefer the covered call format, which provides a significant dividend yield of about 9.7% on average. Therefore, there is no choice but to mix assets. Let me show you two examples now.

There are monthly dividend ETFs, and they are continuously increasing. I wanted to review some new ROI aspects, but there are just too many. We need to consider that the actual trading volume should be significant, and we also need to see if they are following the market trends well. There are several factors to take into account, but fundamentally, there are two main points. You may have noticed the first one, which is the Tech Rock Nasdaq AI. Then there is the weekly covered call, which involves selling KOSPI options twice a week. The decline has been larger than expected, averaging around 5% to 6%, with a typical drop of about 5%. However, if you look below, you will see the safe dividend options. These are American dividend stocks. For dividend aristocrats, there is SCHD, which has provided dividends for over ten years. These are based on American dividends, and for dividend aristocrats, they have increased dividends for 25 consecutive years.

Companies can be seen as a type of American dividend stock, specifically SCHD, which is extremely stable. Today, the stock price was even up, although it slightly dipped towards the end, falling to about 0.13. Generally, both ACE and Soul American dividends dropped by around 1%, while the American dividend was down by 3%. So, you can see that. In any case, considering the decline of about 1-2%, the dividend-focused portfolio has performed relatively well, with a drop of only about -1%. This is understandable, as the stocks included in the portfolio, which I reviewed about 2-3 days ago, include Lockheed Martin. Regardless of who becomes president, defense stocks will always perform well. I showed you how Lockheed Martin's stock price has risen. Additionally, ABI has recently been a leading player in the bio sector, and Home Depot has had good earnings recently.

It has risen a lot. Next, companies like BlackRock, Amgen, Cisco, and Coca-Cola, as well as the telecommunications sector, and then the beverage industry, and also Chevron and Pfizer, are all part of the core industries in the U.S. The biotech industry is a key sector, so stock prices tend to remain stable without being significantly affected by the tech stocks. This is very good. As I mentioned earlier regarding covered calls, stocks are generally good when they rise, and even if they fall, there is a buffer. However, these types of stocks usually do not drop much. So, they are almost always in the positive range. On days like today, when the market overall has declined significantly, you can expect them to record slight drops. However, they do not surge dramatically, so when it comes to covered calls, selling is based on that. Therefore, it is not about the Nasdaq.

So, you can think of it as having a good scenario where you can achieve a profit margin of about 90% with the premium from covered calls. Now, I will talk a bit about how to operate this, as well as my advertisement. This is the dividend rate; for example, the dividend yield for Tami is 10.68, so Tami 7 has an 11% dividend. The covered calls in the Nasdaq yield approximately 12%. As for U.S. dividends, our basic dividend is around 3.5%, and then there are dividend aristocrats that have provided dividends for over 25 years, which yield about 3%. If you mix in the Kodex REITs, you get about 6.5%. In my book, I have classified five different investment styles: aggressive, stable, basic, and others that can be suitable for various types of investors, and I have outlined the proportions for the portfolio accordingly.

As the market dividend yield is at this level, if you multiply it by the weight, you get the actual weighted average market dividend yield. When you combine these, it comes out to about 7.45. Do you understand what I mean? I have labeled this as ABCD, and I brought it over as it is. Now, regarding the daily decline, as you saw today, the Nasdaq 100 has a decline of about 3.1%. Earlier, it dropped over 5%, right? However, the U.S. dividend is at 1%, and even the dividend miracle rose by 0.1%. Meanwhile, the KODEX REITs only fell by 1.1%. So, the weights are 31, 2, and 13. If you do it this way, the actual decline today was 3.59 for KOSPI, Samsung Electronics dropped by 4%, and Hynix fell by 10%.

It came close to 7.45, but there was hardly any drop. It's rare to see a market that declines by 3% like this. Everyone, in my next broadcast, I will discuss the measures to respond to this decline. In fact, over the past ten years, there have been about 30 instances where the market dropped more than 3%. It's not something that happens often. Out of 3,650 days, it has rarely occurred. Despite this, the drop was only 1%. Do you understand what I'm saying? It's not about concentrating on one or two stocks; rather, when you combine them effectively, you can support certain stocks while ensuring that the overall portfolio flows steadily, yielding dividends of up to 7%. I find this to be quite sensational. It's rare to find someone who creates a portfolio like this, even among those who sell financial products. I also invest myself.

I have been recommending this to many people around me, and after a lot of consideration and gathering ideas, I would like to share this strategy. I hope you get a general sense of it. Just by entering one option, you can receive a 10% return. However, in the case of various unfavorable market scenarios overlapping, the decline can actually be as much as 9,000 won. The same goes for the Nasdaq; when it rises, it's great, but when it falls, it can drop endlessly. Therefore, even if you only allocate 10%, you can sufficiently cover the rise when it happens. Additionally, U.S. dividends are stable in nature, and aristocrats also have a stable nature. So, when you combine them, even if the allocation comes to about 60%, you can adjust it to 40% to create an aggressive allocation. Do you understand? This is how it works.

I have set it up like this. In the case of Midang 7, the dividend is 10%, and for Nasdaq, it is around 10 to 12%. Since the index's weight is 90%, when Nasdaq's tech stocks rise, they rise significantly. So, even if you take a 10% weight, you won't have much concern when you invest long-term. The key point is whether to go all-in on one portfolio to receive 10% or to combine it to receive 8%. You need to think about this. You have five experts. Will you put all your investment into one expert, or will you distribute it among five experts to form a defense team? That’s the difference. 

Now, if I want to take a different approach, I often mentioned this when I was a beginner. For example, when dividends come from something like Shudnai 7, you can use the dividends from relatively safe assets to buy QQQ. Investing in individual stocks is the right point to consider.

There is one method, and if dividends come out here, we can additionally invest daily in proportion. So, there are two strategies like this. If you look at the market today, it has broken through the major support line. You can see the low point here, but I drew it incorrectly. When I draw the low point like this, it has broken through. This is a significant break from an important trend. The Ichimoku Kinko Hyo indicator shows that, although the KOSPI has been somewhat shaky, it has been in an upward phase. When it falls into the blue cloud, it indicates a reversal of the downward trend. However, when it breaks through and goes up, it usually doesn't fall back. It has never fallen back, but being below the cloud means that if it drops one or two more times, it will break through the cloud and come down. From that point, a downward market could begin, according to technical analysis.

You might want to take a look at this. When there is a drop of 3.65%, you need to decide whether to stop at 1% or to invest heavily in stocks for a bottom buy. There isn't a right or wrong answer; there are various methods. You can do well with any approach, but I suggest going with the one that has a higher probability of success. This is because what you want is probably not this kind of situation. While a sharp rise is nice, you wouldn't sell, would you? Would you sell after starting at 10,000 won and reaching 14,400 won, making about a 15% profit? Do you think it will go higher? Usually, it will drop like this. From now on, the answers become a bit more complicated, and the calculations get tricky. I believe what you want is probably not this. If you want to do this kind of thing, it might be better to pursue something else. Clearly, you all...

What you need to decide are the dividend goals and the investment view, which are both important. It would be great to receive a high dividend, like 10% or 15%, but the view is also crucial. Technology stocks are expected to rise, and companies like Intel are likely to rebound. However, Nvidia is currently facing significant declines due to antitrust regulations. You might think about investing with the belief that Nvidia will reclaim its dominance in the monopoly market, but based on my 13 years of experience in the stock market, the most important thing this year is survival. Those who gave up and exited during the downturn will try to re-enter when the market rises, but they will likely face losses again. Ultimately, those who can hold on without selling during such market conditions and participate in the rising market will be able to achieve returns. Therefore, sustainable investments, such as various monthly dividend ETFs and their dividend yields, are essential.

As you watch, I think you can now understand the stocks I've often explained. You can roughly tell what they are. Now, we have the three-year national treasury active, and I believe I have covered almost everything except for some unique cases. However, we need to mix in lease investments because we must incorporate a stable investment approach. We also need to include dividend stocks. Additionally, I will prepare a third broadcast on high-dividend value-up stocks for my VIP members. You can take a look at it on Sunday. Don't think of it as too difficult. If you are investing in a pension, aside from the IRP, if you invest up to 6 million won in a pension, you will receive a tax deduction of 16.5%. Oh, I'm getting confused; it is indeed 16.5%. This means that you will get a tax deduction of 990,000 won annually. When you receive the tax deduction, the money comes back to you, and then you reinvest it.

Then, 6.54 million won will come in without paying any taxes. At the same time, you add the tax credits you received. Assuming a dividend of 6% and a conservative growth rate of 1.5%, it will continue to grow. The annual contributions will increase, and by making additional contributions at the end of the year and receiving tax credits again, this cycle will repeat. If you maintain a 99% portfolio, even if the Nasdaq crashes, I would still see a 7% return. That's how it works. If that happens, the dividend records or REITs will also rise, so on average, it will balance out. If you invest for 15 years, you will be putting in 90 million won, which is 6 million won each year for 15 years. Typically, after 15 years, I would...

It seems like it's about time for retirement, and if that happens, you will have prepared a retirement fund that allows you to spend around 2.35 million won per month. I think it would be good to invest in dividends. There is a need to improve your investment mindset. No matter how good dividend investing is, just putting all your money into one or two stocks is no different from regular stock investing. You need to set a goal to focus strictly on safe dividends. A return of 10% to 15% is actually not easy; in fact, I see it as somewhat risky. Therefore, aiming for a return of around 7% to 9% is the most realistic level to target. There will be good times and bad times; you might see returns of around 5% at times, and during good periods, it could be 15%. If you average it out, aiming for 7% to 9% seems reasonable. If you invest heavily in a monthly dividend ETF and incur losses, especially if the NAV drops, like it did earlier when it was around 94,970 won...

If it goes below 10,000 won, of course, this is the price. 9,745 is the price, but it’s not listed here. Usually, when you look at an ETF, the NAV is shown, and it’s quite similar to the price. This is the net asset value, and this is the price. They are almost the same. If there is a significant discrepancy, it indicates a problem with the ETF. Anyway, if it goes below 10,000 won, the dividends decrease, and recovery becomes impossible. In the case of an ETF, delisting is also possible. If the discrepancy becomes too large, continuous disclosures are required, and ultimately, voluntary delisting may have to occur. 

Why is this important? Because, in the end, the NAV plays the most crucial role in determining the dividend rate. What I mean is, if it was 10,000 won in January and now the stock price has risen to 10,700 won, if a dividend of 100 won is given, you would divide that by 10,740 won. At this point, if, for example, there is a dividend record date at the end of July, then the dividend would be based on the price at the end of July.

For example, you would continue to reduce by about 10% as a base, especially in the case of covered calls. If you received 100 won, you would divide that by 100. And if it were 5,000 won, as you can see here, if it were 5,000 won, you would distribute dividends of 100 won each. Then, that would mean a 12.5% return, which is 125 won. So, if you subtract 125 won from that, the final dividend would be 71 won. Do you understand what I’m saying? From this point on, it becomes frustrating. If the price continues to rise, that’s good, but if it falls, recovering the price becomes difficult. For instance, if it was 10,000 won and dropped by 50%, that’s a 50% loss, and it needs to go back up. The stock price struggles to rise, and dividends are also a bit frustrating. Therefore, it’s important not to drop, but there is a possibility of decline. In such cases, you should lower your weighting to manage the overall flow of the portfolio.

The goal is to ensure that we do not cause any disruption. So, to summarize what I want to say today, it seems that you should set the maximum attack port for Nasdaq to within 50%. If not, it would be better to proceed this way. Let me show you why. 

The price return is related to the financial aspect. What I mean is that if I withdraw my money, even if I receive a 10% dividend, it is based on the money I have withdrawn. The total return may seem similar to reinvesting the dividends, but in reality, if you continue to reinvest the dividends, the total return will eventually become much larger. 

In practice, simply taking the S&P dividends and spending the money will naturally yield less. However, over time, the difference in speed will increasingly widen. Therefore, it is advisable to avoid withdrawing dividends and to keep adding to your investment, which will ultimately increase the number of shares you hold.

As you increase your investment, if you receive dividends from 1 million won, the dividends will also increase, and the number of shares will grow. Initially, you might have 100 shares, but it can increase to 21 shares, then 33 shares, and so on. Eventually, if it reaches 360 shares, you will notice that your money grows significantly over time. After one year, two years, three years, or even ten years, as the number of shares increases, the dividends themselves will also grow. It's important to invest with a long-term perspective and not rush into it. This isn't the only way to approach it, of course. However, I advise against being too aggressive. The reality is that, while we may favor certain investments, there are increasingly provocative ETFs emerging in the market. Therefore, if you want to attract attention, I would suggest aiming for a 15% dividend income. Thank you.

타미당7에서 진짜 중요한거 하나만 꼽으라면 이 조합을 꼭 기억하세요

블로그 : https://blog.naver.com/jedokown_stock (시황)
각종 문의 : dstime55@gmail.com



타미당7에서 진짜 중요한거 하나만 꼽으라면 이 조합을 꼭 기억하세요

타미당7에서 진짜 중요한거 하나만 꼽으라면 이 조합을 꼭 기억하세요

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