Hello, this is Money. Recently, my ISA account has been doing well in my videos. As I read through the comments, there were many questions like what to include and what not to include. You can see these comments. I explained in the previous video, but an ISA account is an investment account where you can enjoy sufficient tax benefits. For details on how much you can save on taxes, please refer to my previous videos as they have nearly reached 1 million views. Those of you interested in personal finance must have watched it. Please review that video, and now I will briefly talk about five examples of common mistakes and then discuss three examples of correct usage. If you are familiar with these, your knowledge in this area will expand. It's essential to be aware of these seven points so that when you consider other investment methods, you'll know what to do.

You will use it. You can use it for all your investments, so please listen carefully. It's very basic, but I'll start by talking about common mistakes. The first one is really obvious, but you can't invest in overseas stocks and overseas-listed overseas stock-type ETFs in an ISA account. It may sound complicated. Overseas stocks like Apple and Google cannot be invested through an ISA account. You need to be aware of this. It's a common topic in the comments, asking if it's okay to invest in Apple or Google. It's not possible to invest. You won't be able to click at all. Next, the second thing I explained is that you can't invest in overseas-listed overseas ETFs. Now, those of you interested in investments may have heard that you should invest in these. You may have heard about QQQ, SPY, and such. You can't put these in an ISA account.

When people ask if there are none, those people won't be able to click at all. Those people cannot use an ISA account. It's an obvious thing. Beginners usually watch my channel, and they naturally think this is something that should be possible. So, some people like dividend stocks, and some like aggressive investments. I may not explain in that context, so some may not understand. Since I am somewhat close to the basics, I have given various explanations. So, did you understand the first part? First, nothing related to overseas in an ISA account. Second, do not deposit money. I have been saying this for two years. Depositing money into an ISA account is a very marginal choice. If you really must deposit money for tax savings, it's better to go to a cooperative union where you can join a tax-exempt deposit. You can join as a member at Nonghyup, Suhyup, Shinhyup, Saemaul, or Kumbu.

After that, when you make a deposit, let's say you have a family of four. Then, the husband 50 million won, the wife 50 million won, our son 50 million won, and daughter 50 million won, like this, you can open a joint account with tax benefits. It's better to utilize that. Also, with an ISA account, you can invest. I'm not sure when this video will be released, but I will explain products that can replace short-term bond funds, which are a bit riskier and offer a bit higher return. We also do reviews on low-risk products. So, instead of deposits, try a bit more of that. Just a little more. Next, thirdly, do not invest in domestic stocks. Putting domestic stocks in an ISA account is not necessarily bad, but it's a bit of a regrettable choice. When we invest in domestic stocks, we can gain two benefits. Domestic stocks are

You can make a profit from buying and selling. When we talk about making a profit from buying and selling, it means that I bought this stock for 10,000 won and sold it for 12,000 won. Then, a profit of 2,000 won or 20% is made. Do you understand? Now, if we invest in domestic stocks, dividends are increasing these days, so we can receive dividend income. There are two things: profit from buying and selling, and dividends. However, in the case of domestic stocks, the profit from buying and selling is tax-exempt, but a 15.4% dividend income tax is deducted from the dividend income. So, the effect is not perfect. Tax is also imposed on the profit from buying and selling. Therefore, when you invest only in domestic stocks, you can enjoy complete tax exemption, which would be great, but now only the profit from buying and selling is tax-exempt, and only the dividend income can be tax-exempt. It's a bit of a disappointing choice. But now, if I have domestic stocks and invest in high-dividend stocks,

If you decide to do that, it would be okay to put it in an ISA account. For example, in my lecture, I talk about investing in undervalued high-quality stocks. When you check the dividends, there are domestic stocks with dividends of around 6% to 7% that are undervalued and high-quality. If you decide to invest in them, you can put them in an ISA account and then you can utilize them. Do you understand what I'm talking about? The fourth thing you shouldn't invest in is domestic stock-type ETFs. Just like domestic stocks, domestic stock-type ETFs are tax-exempt for capital gains. However, when you invest in ETFs, you receive dividends similarly to capital gains. Normally, the precise term for ETF dividends is distribution. You can check the tax details on the asset management company's website. If you look into the tax details, it says that tax-exempt distribution accounts for 15.4% of the total distribution.

This is also a somewhat regrettable choice when you put it in an ISA account, just like domestic stocks. But now, there may be people who don't know what domestic stock-type ETFs are. Domestic stock-type ETFs refer to products such as KODEX 200 and KOSDAQ 150. When investing in ETFs, these are products that are composed solely of specific items related to Korean stocks. So, these are called domestic stock-type ETFs. Now, you've organized these six things, right? Putting these in an ISA account is regrettable, very regrettable. While watching YouTube, if you find that these six are in your ISA account, it will be too regrettable. Watching YouTube also consumes time, and the most important resource for humans is time, not money. You spend time like this, and if you don't follow what you've learned a bit and just do something based on what others say or out of inertia, it's a bit.

From the perspective of creating content, I think it would be quite disappointing to be involved in a corporate business like financial education. So, now let's move on to what it means to use it properly. The opposite would be using an ISA account correctly, and I will explain it in three cases. The first is investing in overseas knowledge-based ETFs listed domestically. For example, such as the U.S. S&P 500 ETF or the Nasdaq 100 ETF, these are products that are listed domestically and invest in U.S. stocks. To clarify, when we say it is listed domestically or internationally, the difference lies in the ETF itself. Imagine we create a square product. If we make this square product tradable in the Korean stock market, it means it is listed domestically. If we make this square product available in the U.S. market.

If a company is listed and traded on the U.S. market, it is considered to be listed overseas. Whether it is listed domestically or overseas, investing in U.S. stocks is the same. There are domestic and overseas stock-type ETFs listed in the U.S. market. You need to distinguish this. Taxes vary depending on this distinction, and you can even decide what to put in your ISA account. It may be a bit difficult, but please review it again. It's okay to review it twice. Please understand even if it's confusing. Secondly, besides these stocks, products like gold ETFs or commodity ETFs are good to put in an ISA account because they are subject to taxation when investing in them. These products are exactly the ones that Money Eye was talking about when it comes to portfolio investments. When all these products are put into an ISA account, you can achieve a 120% effect. It may sound a bit exaggerated.

I hope you also talk about making thumbnails and such. I just put everything in savings. There are materials on how to utilize ISA accounts and statistics. When you look at those statistics, you will see that 90% of the deposits are made by Korean citizens, whether it's a pension account or an ISA account. Even if you only change these things, you will be able to roll your assets faster, and as your assets grow, the low birth rate issue will also decrease. If you talk about parents, they will have more property to inherit and give to their children, who will then get married, solve the low birth rate issue, and resolve other problems. That's what I think. I know I talked big. Next, the third thing I will talk about is a bit challenging. You probably haven't talked about it in a YouTube video before. Our portfolio students would know.

It might be difficult, but I'll include it for now. Thirdly, among domestic stock-type ETFs with TR attached, these are products that can be put into an ISA account. Let me reiterate. Domestic stock-type ETFs with TR attached are products that are subject to taxation on trading gains, so it's okay to put them in an ISA account. What are TR products? They are ETFs that distribute dividends similarly to dividend income. They reinvest this as total return, making it a product that reinvests dividends. When dividends are distributed, usually dividend income tax is deducted. If you prevent dividends from being distributed, you can save on that dividend income tax. However, in the end, these TR products are also being taxed on trading gains, so in reality, there is a part that is subject to taxation. I might be wrong, so if you check the taxation details on the ETF explanation website, you can confirm.

Regarding the difference in buying and selling prices, it says to subtract 15.4% from that. Therefore, for ordinary investors, putting these TR products into an account and receiving tax benefits would be more advantageous. TR products are more of a regional topic, so you don't have to know them all, but it would be good to at least know about six of them. Understanding things like distinguishing between overseas-listed and domestic-listed, ETFs, would be a perfect score. Well then, I'll see you in the next video. Have a great day.

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