은퇴 계획: 투자, 시퀀스 위험 및 금융 사기

### 은퇴 계획: 시퀀스 리스크 관리 및 투자 전략
* 💰 4% 규칙은 은퇴 인출에 대한 일반적인 가이드라인으로, **첫해에는 은퇴 저축액의 4%를 안전하게 인출**하고 이후에는 인플레이션을 고려하여 최소 30년 동안 자금을 유지할 수 있도록 조정하는 것을 말합니다.
* 📈 과거 데이터에 따르면 S&P 500 지수에 투자하면 장기적으로 **연평균 약 7%의 수익률**을 기록했으며, **약 10년마다 투자 금액이 두 배로 증가**했습니다.
* 🏦 본문에서는 임대 부동산을 소유하는 것과 유사한 안정적인 현금 흐름을 제공하기 때문에 **은퇴 소득을 위해 배당금 지급 주식이나 ETF를 고려할 것**을 권장합니다.
* 📊 '시퀀스 리스크'라는 개념은 **은퇴 초기의 투자 성과가 중요**하다는 점을 강조하는데, 이 시기의 수익률 저하는 저축 기간에 큰 영향을 미칠 수 있기 때문입니다.
* 🎯 경영 사상가 찰스 핸디가 주창한 '포트폴리오 라이프' 개념은 은퇴 후에도 성취감을 유지하고 재정적 위험을 줄이기 위해 **자신의 정체성과 활동을 다양화**할 것을 제안합니다.
* 🏛 연금저축계좌나 개인퇴직연금계좌와 같은 세금 효율적인 퇴직 계좌는 **퇴직 소득에 대한 세금을 최소화**하는 데 도움이 될 수 있습니다.
* 💸 일부 투자자는 높은 수익률을 달성할 수 있지만 **연간 10~15% 이상의 수익을 꾸준히 올리는 것은 어렵고**, **7%의 S&P 500 수익률이 장기적으로 더 현실적인 기대치**라는 점을 유의하시기 바랍니다.
* 🔮 이 글은 **주식과 같은 성장 자산과 배당주 또는 펀드와 같은 소득 창출 자산**을 결합하여 장기 계획과 균형 잡힌 은퇴 투자 접근법의 중요성을 강조합니다.

### 장기적인 자산 증식을 위한 과세이연 배당금 투자 전략
* 💰 연금저축계좌와 같은 과세이연 계좌를 활용하면 투자자는 **즉각적인 납세의무 없이 복리 효과**를 통해 자산을 크게 늘릴 수 있습니다.
* 📊 5천만 원을 투자해 4%의 배당 수익률을 얻으면 **연간 200만 원의 소득**이 발생하는데, 일반 계좌에서는 15.4%의 세금이 부과됩니다. 하지만 **연금저축 계좌에서는 이 세금이 인출할 때까지 이연**됩니다.
* 📈 시간이 지남에 따라 배당금을 재투자하고 과세이연 성장률을 복리로 적용하면 특히 **30년 동안 연간 10%의 배당금 성장률**을 고려할 때 상당한 부를 축적할 수 있습니다.
* 🏦 연금저축계좌는 **최대 5천만 원까지 비과세 투자**가 가능하여 장기 배당 투자자에게 매력적인 옵션입니다.
* 🌍 연금 계좌에는 국내 ETF가 주로 사용되지만, **배당 소득에 대한 비과세 혜택이 있는 해외 자산**도 유리할 수 있습니다.
* 💼 연금저축계좌와 개인형 퇴직연금(IRP) 간의 적절한 자산 배분은 매우 중요하며, **연금저축계좌는 더 많은 유연성과 더 높은 납입 한도**를 제공합니다.
* 🔍 소득 수준과 가치에 따라 연금 수령액이 달라질 수 있으므로 **연금 인출 시기를 결정할 때는 개인의 재정 상황**을 고려하는 것이 중요합니다.
* 💡 "연금으로 받으면 **30% 할인을 받을 수** 있고, 연금 한 개에서 공제된다는 사실을 아는 것이 핵심입니다."

55세에 7% 수익률로 연금 플랜을 시작하면 30년 후 10억 원의 수익이 발생하여 은퇴 후 재정적 안정에 필수적입니다.

Even if you live for 30 years, not all 30 years are important. In the first 10 years, the rate of return is the most important. The results of the simulation study with sequence risk come out as one %. As for assets, if I invest 1 million won for 30 years, I will get 1 billion won. There is a Chinese management thinker, Charles Handylight, which I really like. There is a concept called the 4-year life. Rather than hoping for a higher return on investment or finances than when I was young, I would rather do it after retirement. How to avoid being embarrassed. How to avoid losing any wealth you have. Recently, one of the phenomena that appears as the population ages is the increase in financial fraud. The best textbook for studying financial fraud is a cartoon called Black Fraud. If you look at it, there are so many techniques from various financial companies. It's good, but it's the same as in Korea. Yes, it's the same as in Japan.

I think it's a very good textbook. I really enjoyed reading it, but everyone, you need to think about this. High profits and stability cannot go together. You have to think quickly. I told you this once. In 2007, the Bernhard Made-Off incident occurred with one of the most respected financial figures in the United States. This person had about 1,500 customers and his fund was. I wanted to put 10% of my income here without skipping a year, so I set aside 12% every year, and no one accepted it. Just by signing up for the fund here, you can feel like your life has been successful. Movie directors like Steven Steelberg also suffered, but it wasn't just them who suffered, global financial companies also suffered. HSBC, Nomura, and Santander are world-class financial companies. They made 10% profit every year regardless of market volatility, so it's amazing. Ultimately, what this means is that Honji Game was a fraud worth a whopping 52 trillion won, and Netflix's documentary. If you take a look at it.

you will see that everything that promises compensation and stability is fundamentally a scam. How can financial fraud in old age not only involve wasting money, but is also an event that denies the life you have lived? It seems to be contributing to the second number's conquest and excessive social distancing. I feel a little more at ease, but too much information and too much stimulation acts to increase impulsivity in investing. Whether it is information or noise, we live in an era where it has become difficult. In some ways, it is because of the digital mobile era and the exposure to a lot of information. Prudence in decision-making is greatly diminished, especially those who come out on YouTube and tell you to invest in yourself. You should never do that. I made 5 billion through real estate, I'm a good rich person, etc. People who gave lectures and said, let's gather people together and become rich together. In the end, everyone went home. It's a good ending, yes. So, the third important thing for you is that there is a thing called sequence risk. When I earn income through writing, sequence risk does not occur.

I do not spend money because I generally make a living through writing. But when I retire, I will have a lot of assets that I have already accumulated. No matter how little it is, you have to take it. If you go here after retirement, you will live for 30 years. 30 years are not all that important. The rate of return for 10 years after retirement is the most important. The results of simulation studies on sequence risk are consistent. So, everyone, how are you going to run your charity 10 years after retirement? There is no right answer, but you need to think a lot. How can I withdraw money from Korea? There are no papers or much research on how to manage sequence risk. What I heard is that it is very important to minimize losses without losing your assets in the 10 years after retirement when you do not have a more stable income or job than before. I've been trying to increase my income a little for 10 years now, so even if I earn 1.5 million won by doing something stupid, the people who own it don't decrease their attitude.

That's why I've been wondering how I can manage my work and my cash flow for 10 years. You need to think a little more about whether this is really important. The most famous withdrawal methodology is the 4% rule, which was created by an American financial planner named William Bengen. If you think about it until the age of 90, you will not die, save the principal, and make a profit. If you buy everything until you are 90 years old, it will be a kind of zero. The cash flow will not dry up and you can withdraw the money you have at a certain percentage. That is why I took 4% of the total amount. In the first year, I paid for all gold. 4%, and the second time, 4% plus inflation rate. So, if I withdraw 4% of the money I have, I can survive until I'm 90 at 4%. This is a rule. If you think about it simply, the 4% rule is how I do this. If I double 20, I will get the money I need.

The reciprocal of TARP is 25.25. If I am going to spend 3 million won a month, then if I multiply 36 million won by 25, I get a simple calculation that I can use. This is now the most basic outline. But there is another condition to this as well. What this means is that if you put half of the U.S. SNP 500 and half of the U.S. in a 50/50 ratio and withdraw 4% the next year, your assets will be maintained until you are 90. In reality, the amount is less than this. That's because the stagflation of the 70s during the Great Depression in the United States includes everything in the history of the U.S. stock market. If you take out the national pension, 100 to 1.5 million won will be lost again. If I had a pension deposit account, that would also be lost. If you calculate it, it's a little different.

You can export the net, which is easy, but the national pension has been drastically reduced, so you only have 3 million won a month. If I receive 1 million won in national pension, then out of the 30 million won, 2 million won will be missing. 1.8 million won times 12. It will work, but this is just an outlier. What we call this now is a rough formula. In that case, I can guess roughly. The rule of 72, the time it takes for my money to double, etc., are also approximate. It's like a formula that the pendulum can easily and intuitively calculate, but 4% is our typical withdrawal date. Yes, it's the most common number like this. That's right, that's how I live my life. Is it accurate? How can I get it right? About. When calculating, multiply the cost of living in your head by 12 and then multiply by 25. If you take the rest of the steps in front of the national study, you will get Abert.

In making up that 4%, it is much better if the proportion of the three pensions: national pension, retirement pension, assessment pension borrower is high. If you say that, you will be much more stable. Intuitively speaking, after listening to you anyway, the 10 years left after retirement are an important time to decide on your retirement. In some ways, it feels very similar to when you work very hard at a young age and your productivity is high. It may sound a bit complicated, but you can apply this concept of compound interest to investing in stocks or funds. Index products appeared in 1974, and if you look at this historically, the S&P 500 market return is about 7% per year on average, and in the United States, it is now the best long-term performing index among the world's indexes. It's a good index. In the US, there are many rich people who don't do anything but invest in an index fund every payday and earn 7%. If 40 years have passed for a long time, there are a lot of rich people who want to get a pension.

I recently started a business, and the number of retirees has increased. Early retirees are in the SMP market because of this. Since the pension amount has increased so much, I decided to stop working. In our country, retirement funds are linked to real estate. In countries with developed pension systems, a lot of labor profits are linked to stock markets, especially in the United States. It's a representative country, and a 7% rate of return is enough to prepare for retirement. As time goes by, it continues to accumulate. The compound interest investment period is so long, so what I am saying to you is not that we are investing in the future, but that we are buying a certain system called the United States. Even if we purchase the capital market system, what the future will be like is unknown, but so far we have 7%. Since the long-term rate of return is about 7%, everyone, my money usually doubles once every 10 years. It's the rule of 72, so if you divide 72 by the rate of return, it's 7%. If you get that 72, you get 10 years in return. We make a boat each time and the S&P 500 also pays dividends.

It's low these days, so the average is about 1.4%. And again, this dividend is reinvested. This is perfect compound interest. SMP 500, which is invested in the US market, is reinvested in dividends. The guy who did it and the guy who didn't and Jai's drama 40 years later. I talk to my employees a lot, and if I can invest well in those young employees, it's good. If it doesn't work out big, I have to own real estate while managing assets. You have to have cash and stock assets. But now in the United States, the historical average of stock assets has been 7%, so if I advance 1 million won for 30 years with 7% assets, I will get 1 billion won. Ah, the capital market means that the country will be ruined. Otherwise, it is a system that will exist forever. The means we have access to have increased, and as long as we have the intention to reinvest the steadily generated profits and take it for 30 or 40 years.

Basically, investing is not that difficult, but I think it is connected to the time compound interest part you mentioned earlier. So, I think this is why you should not set a high expected rate of return when investing, right? But I would like to tell you two things. One is that the rate of return for those who have become the masters of investment in things like stock funds is then more than 30% per year. Warren Buffett is also in the low 20% range, and the average rate of return for the previous period is 10% per year if you include De Manager. If you pay around 15%, you can become a legend, so it's not that high. The important thing is that it's not easy to pay this consistently. Basen Zweig is a columnist specializing in investment at the Walls Journal, and I'm personally a huge fan of this columnist and now Warren Buffett interviewed me via email. Now, what Buffett recommends is the Moodsella technique. I have been recommending it for a long time.

He is the longest-living person in the Bible. He was the first person to live to 969 years old. It is good to live a long life. The second time is called the Moodsella technique. Mood Sellar Technique. Living for a long time in itself is unconditionally advantageous for investment. The second thing is high compound interest rate, high compound rate, right. Third thing is the combination of longevity and utility rate of return. This is Moose's method. It seems like a repeated courtesy, but Buffett is now, for example, 65 years old. If you think he's dead, 90% of his assets will be lost to his current assets. In fact, Buffett's assets are currently at 90% at the age of 65. Buffett has a lot of money, but the same goes for ordinary individuals. If you just follow the market, you can get 10%. If you manage it well and have 10%, you will become richer, or if I meet a few people and get 10% in average, then in the long run.

it will be a way to increase it independently. Finally, even after retirement. A successful life. This is not necessarily a financial thing, but a way to live a successful life in terms of managing one's life. One of the concepts proposed by Charles Handiline, a Chinese management thinker who I really like, is the concept of portfolio life. Ah, so. In the case of Charles, his wife takes the picture after he retires rather than expressing his identity as one person. Well, two days a week I have an identity as my wife's secretary, two days a week I have an identity as a writer, and once a week I have a lecturer policy. I am a single person who speaks openly about what I am doing. I think this idea of going from that identity to multiple identities is a really good idea. Rather than expressing myself with just one identity, things like cleaning around the house and doing housework become one identity in my life, so I like having various identities. I have to become one in order to be able to organize my daily life.

I want to choose my work well and solve this problem in my life. This is possible when you are in the main job, but when you retire, it is not possible to do so. Most people accept a life of multiple identities and make plans. Second, I will build my ability to get used to and endure boredom and loneliness, and based on this, I will reduce the risk of the car when I combine it with a financial strategy. What I can give you is Folio. Life is very good. Rather than mistaking one place or just being dragged into it, it doesn't give you the opportunity to go all in. First of all, I would like to thank you for sharing today. I own a commercial building, but the floating line economy is not good. He said he lost a lot, but my boss pays the monthly rent well. Then, I have a pasi or not. After 10 years, it will be about 103.17 million won, and after 20 years, it will be about 390 million won.

But the dramatic thing is that after 25 years, it will be about 600 million won. Let's move on. Ah, in 30 years, it will exceed 900 million won. Today, in the age of aging, we will learn about two ways to prepare for the present and the future at the same time. The first topic is that there is an ETF that receives monthly rent like a building owner even without a building. What is this? In the case of monthly rent ETF, distribution. In order to distribute it, cash must come in. That ETF must have cash. Then, what is the source of cash? For example, it is gathered into companies that pay a lot of dividends. In the case of Korea, representative telecommunication stocks such as SK Telecom, KT, and LGU. Things like Plus currently have a dividend yield of 5 to 7%. Then, real estate rent is the source of monthly distribution, and among things like bond funds, we now have a monthly distribution type. Interest rates have risen a bit these days, so these bonds pay interest.

Because I am collecting the interest and distributing it, the source becomes interest. Then, one of the types that has been appearing a lot recently is called a covered call, so don't think about it too complicated. Just use a cosmetic product and keep it every month. It distributes. Currently, the sources that are widely available in Korea are dividends, real estate agents, covered calls, or a mixture of these four. It has only recently been a long time since many of these have appeared in the Korean market. If there is cash flow, investors feel at ease and have a sense of stability. Even if the price falls, dividends will be paid again, so it is compensation. It is a reward and a practical reward and keeps people waiting. So the reason why many investors fail is because they sell too hastily or buy too hastily, but if you have an asset that generates cash flow, you give people the power to be patient. And secondly, because there is a cash flow, what if it drops too much? The price goes up.

Assuming that the cash flow that comes out, if it drops too much, is constant, when the price falls, it gradually goes up in the opposite direction. The distribution rate you can receive is increasing. Assets with cash flow have strong downward pressure, so if you think about it, you can easily compare it to real estate. I own a commercial building, but the real estate market is not doing well and the rent has dropped a lot. But my boss pays the rent well. Then will you buy it? Will you not buy it? You won't sell it. That's the same thing. I'm not saying this, this is what Warren Buffett said. Warren Buffett also invests in real estate. Oh, he didn't do it with Burke Hathaway's money. He invested in a farm with his own money and a store in front of New York University. I made an investment, but that's also what I'm talking about. What's important about whether it goes up or down? It's okay as long as the monthly rent comes out well, and the money comes out well.

Assets that generate cash flow have this aspect, so they have a strong bottom-line outlook and feel comfortable. So it seems that many people prefer comfortable investments. In a way, as you said, it has the same effect as owning this building. In fact, you can buy dividend stocks directly. There is a way to buy it, but is there a reason to buy dividend stock ETF? I am not saying that dividend stock ETF is good today. I will now observe this year and invest in stocks for individuals who are starting or are preparing for retirement, especially for those who want to buy stocks. The first thing you need to pay attention to is dividends. As I said earlier, there is cash flow. It is simple for a company to pay dividends well. If it does not make money, it cannot pay dividends. Dividends must be paid in cash. Then, dividends must be paid consistently. In one company, the company's management does not ignore the shareholders. Some companies say that they will do everything for the shareholders. They say everything, but they always give away paid money and sell private convertible bonds, but they are always doing it for their own benefit. There are companies like that.

In fact, we can't trust that. Dividends are like that. If we say that it is a company that pays consistently, the management will still set a certain example for our best shareholders. So now, what is the way for this dividend stock to be completely destroyed? Also, the second half of the economy is strong, so there is no big crash, and I looked at it a while ago, and so in the case of telecommunication stocks, they are high at about 7%, but new stocks are given almost consistently. Even if the stock price is a lot, but if telecom stocks give 7%, 21% over 3 years. Even if it falls out, I can survive. So this dividend investment is very good for creating cash flow while preparing for retirement or for those with little experience starting out. Especially if the dividends are growing, it is even better. They say that it is because the dividends are growing, but this is what I do. You don't have the ability to choose.

Then, doing ETF is a good alternative. There are American ones and Korean ones. Dividend growth ETF that became a best-seller in Korea. Dow ETF. That's right, the dividend is only 3 to 4% right now. These guys understand the concept well because dividend growth is Aai growth. You have to do it, but last year, the dividend growth rate was only 3% for one year. For example, there is a dividend that pays 3%, but it grew by 3% and 3%. If you look at the past 10 years, the growth rate exceeds 10% every year. On average, the dividend was 10%. It will roughly double in 7 years, so after 14 or 15 years, 3% is 6 12 dividend growth stock example. It will be like this when you grow up. I can't guarantee it 100%, but as young people continue to buy and collect these things, I will save money for 20 years.

If you buy it and collect it, what happens later is that it almost becomes like a rental business with 15% or 20%. The United States is doing better at that, and in Korea recently, the perception of dividends is changing a lot in programs like value up, which I'll talk about later, but the stock price is rising. It hasn't increased as much as in the United States, but even in Korea, if you look at dividend growth or poor ETFs, the rate of increase in dividends is almost constant. Korean companies are like that now. Well, we're moving into a world where it's difficult for shareholders to do anything carelessly like in the past. I think so, when companies make some profits, they have to raise dividends. I think you can do it yourself, and then you can do dividend ETFs. What's even better is that the dividend growth type is the best, and dividend growth has the same effect as increasing assets. Even if the stock price doesn't rise, you can easily think of it as rent rising. Also, if you have a pension savings account and is

If you use the account, you will also pay less tax. For those who invest directly with an is account, of course, foreign stocks are not allowed, but for Korean stocks, tax problems can be solved by purchasing dividend stocks with an is account and saving them. For those who use ETF, it is a pension savings account. It is absolutely necessary to use a retirement pension account or an is account. And there are quite a few people around me who have prepared for retirement just by investing in dividend stocks. There are people who invest for 20 years and receive 80,000. They have been complaining about this for a long time, they have understood this, and they have been doing this consistently. Even if they don't become a big hit like Nvidia, these people just packed their dividends like bricks and built a tower of dividends. But now, they can build not only the Korean tower, but also the New York tower. If you mix it with Korea and only do it overseas, you need to have assets that do not trade against each other.

One of the good ways is to pay attention to dividend growth stocks that you stock while creating cash flow in Know Housewives. This is not perfect. Everything is always like that, but nothing is perfect. The truth is. So anyway, for those who are beginners and have no experience, it is better to buy dividend ETFs now rather than just buying dividend stocks directly. The advantage of monthly ETFs is that even if the stock price falls, the dividend yield is high. It has gone up and now has the effect of making up for it. The lower half of the economy is strong. No matter what price of the building falls, the monthly rent goes up. As long as the monthly rent is paid well, Tizia people are the same management. In fact, I think the gold problem will be solved somewhat depending on the profit. There is a dividend income tax in detail. Monthly distribution products are now subject to dividend income tax or interest income tax. Normally, I will charge dividend income tax here, which is 15.4%.

If the amount is too much, this is passed on to the comprehensive tax on financial income. What is the problem with the comprehensive tax on financial income? For retired people, if this kind of income is too much, the health insurance premium goes up. All of this is tied together. If the dividend income tax exceeds a certain amount, it has to be calculated from the sum of other income. If it goes to the financial income tax system, and the dividend income tax is. It goes into the calculation of health insurance premiums. So, the way to avoid all of this is to just use a pension savings account, a retirement pension account, and an individual IRP ISU. First of all, let's talk about this pension savings account. The pension savings account is everyone's retirement pension. Or, by adding up the personal IIP, I will use it as a pension savings account. Of course, there are some differences in the contents of the product, but in general, here we are talking about the tax mechanism, so I invested 50 million won and paid dividends.

I received 4%, but 4% is 2 million won. If I bought and sold this in a normal account, I would have to pay 15.4% tax. But if this goes into a pension savings account, I don't get taxed at 15.4%, and I just get 2 million won. So, I have 2 million won, and I bought another dividend ETF, but the price fell a little, so I held on to the cash and bought it again. Then, my investment will have a trickle-down effect. So, the next time I receive another 2 million, the amount will increase. Since it increases, of course, the dividend is paid per share, so if the quantity increases, the dividend per share will increase again. The dividend will increase again next time. But I don't pay the tax. I don't pay the 15.4% again. It keeps going like this until I'm 55. I can go. So, if I start this early, the tax deferral will be much longer. Now, when I see posts on blogs where you properly analyze things like dividend growth, I also learn a lot.

As dividends grow, if I reinvest the dividends tax-deferred, a double compounding effect occurs. This may seem very insignificant at first, but I don't know how much it will be in the future, but dividend growth continued at 10% as in the past over 30 years. And I continued to reinvest. Tax information was deferred. Then, you guys are not easy. It's very scary. That's why dividend yield is also important in long-term dividend investment. Since the long-term investment of dividends is double, one of the specialized English words now uses the expression acceleration of compound interest. But when I pay my taxes at age 55, it is not 15.4%. I don't know. The pension income range is 5.5 to 3.3. Tax deferral. I can enjoy it as much as possible, and the dividends grow, and then I receive it at a low tax rate. But the is account is a little different. The is account can increase by 20 million won per year for 5 years. So now it is 20 million won, 20 million won five times in total.

You know, the interest or dividend income tax generated here is tax-exempt up to 2.5 million won. You pay 9.9% for that, and other things are not added to the pension savings account. The pension income generated from the pension does not go into the building's lodge. We have a tax exemption system when you turn 15. Many people only deposit up to 50 million won per person. Do you know that you can buy this stock? Dividend income tax is also included here. For those over 65 years old, 50 million won tax-exempt product. If you buy dividend stocks, the dividend or dividend tax arising from it is zero. Of course, the tax exemption is included in the calculation of health insurance. It won't go in. If you are interested in cash flow, pension savings account reform inp is. You can just think of it as essential. Dividend growth and reinvestment of dividends is electrically very interesting. It is the easiest way for individual investors to see the return value.

Use a pension main account or something like that to receive dividends and buy dividends again, and then the quantity. As this increases, the dividends increase and increase again, and you don't have to pay taxes. Domestic ETF, domestic ETF, overseas ETF, yes, yes, then now overseas ETF, how is this different? Pension. It's the same for both large deposit accounts and is, but let's assume you have a pension savings account. Buy dividend growth ETFs. There are American and Korean ones. For example, the dividend Dow index ETF that has been sold a lot in Korea these days is from the United States, so it's sch, but it's Chas Shuap. It's a high-dividend ETF. It's a chas game, so the company made it and now they're replicating it in Korea. It's the same thing, but what's different? It's the same American knowledge, but the country of origin is Korea. What we can put in a pension savings account or is must be of Korean origin.

S&P 500, which is the largest index fund trading transaction in the world. The country of origin is the United States. There is something like SM Bag in Future Tax Asset Management. Well, there are other companies, and it is the same, but the country of origin is domestic. The pension submission account is where you can put it. You can only put things that are of domestic origin. Of course, you can put Korean things in, and you can think of it like this. So, in fact, it's still a sweet gold investment. I don't know what the tax rate will be, but it is absolutely advantageous to have overseas assets in a pension savings account because dividend income tax will be eliminated here. And what I'm curious about is the case of temporary purchases and the benefit of compound interest, so there may be cases where it is now used as an accumulation method. Which one is a little more advantageous, and S&P 500 in the US has the same effect as ETF, which buys the entire market.

In the US, there is an index that buys the entire market called VTI. There is something called Vanguard Total Index, but it does not exist in Korea. Of course, you can buy it directly, but in Korea. Now VTI is no longer a domestic VTI, but if you look at the graph of this VTI SMP 500, it almost matches more than 90%, so we are now saying that even if we buy a SMP 500 company, it has the effect of buying the entire US market. Market returns. Now that you have an accumulation formula, it is better to invest in a lump sum, but if you simulate it, if you go for more than 5 to 10 years, it is simulated in the United States. In the case of the 2008 financial crash, it is advantageous to establish it, but in most cases, a lump sum is advantageous. I am telling you this because the savings method is a more convenient way to invest because human emotions are involved. That is based on three things.

I am not capable of properly predicting the market. If you can fully accept the market outlook, you can do it on time. You don't have to do anything. The second thing is, I don't know when the bottom will be, and I don't know when the top will be. So, if I look at it, I buy it at a moderately mid-price. In English, it's cost averaging. Dollar cost averaging. If I buy it at a mid-price, at some point the price will go up compared to what I bought it for. If you sell only at this time, you won't see a profit. Because I have the Saduri effect, it means buy-the-dip in English. Living at the bottom has the buy-the-dip effect built in. In this method, you live without knowing the bottom, but there is a buy-the-dip effect. That's why three. Second, the timing of buying now is important, but what is more important is the timing of selling. So if I don't sell the butt, I haven't seen the line yet. That's right, it's a loss in numbers, but I can sell it when I sell out someday.

I don't have any special problems with funds or ETFs. Keep holding on. I'm adding Jung Jung-sik to China right now. Even though I don't suffer any losses, I'm still a strong advocate for Jung-sik. I'm the kind of person who thinks that people who know their own worth have no choice but to like Jeong Jung-sik. Psychologically, it's even more painful when the lump sum is broken. If you do it this way, over time, if you experience a plus, you will be able to feel that even if you only know the formula well, you can always beat the bank interest rate. The important thing is actually your personal financial status, and you have the money to buy it in a lump sum. Actually, I understand that buying and making established investments is the generally recommended method. I am just giving an example. In fact, the amount is 1.5 million won per month. How much should I put in a monthly payment ETF? If you have 300 million won in cash and no other conditions, and 1.5 million won is 18 million won.

Related. If I buy dividend stocks, it comes out right now. It's just simple, so I told you earlier, put 100 million won in the is account, and then invest the remaining 100 million won directly, and it comes out like this. For example, if you are young, if you put in something like a dividend growth ETF, 300 million won will be created later as time goes by. Naturally, it is difficult to give a clear answer to this because it is due to my personal investment tendency or something Information. Well, for people like this, through ETFs, I think dividend growth ETFs that yield 34% will be perfect for you. It is a bit volatile, and when it breaks, it all breaks equally. But anyway, the dividends are growing, so if I hold on and hold on, I can make more. Those who invest directly have the means to get 6% right now. For example, telecommunications stocks are getting 6%, so I'm going to buy it right now.

Now that you're talking about dividend growth stocks, I think you can buy stocks where the dividend rate goes up as well. If you just listen to what I said, this is ETF. In some ways, it's not like owning a building. Ah, so if you're in a safe place psychologically, it's better because you have the goods. That's good, so it doesn't matter if we have one very good asset to create cash flow in our old age. Even if you have one shot and one kill, it won't be easy to do that. The best quality assets are always too expensive, so we can buy stocks with good quality assets at a low price. What should I do? I will do it for a rental company, an officetel with a monthly salary of 200 won. What should I do? It is not an area I can do. So, I own an officetel. Okay then, it is much more important to buy it and get 120 per month there and create a cash flow portfolio.

While working, I am earning income, rent, stock dividends, etc. I am collecting assets in this way by saying cash flow asset gathering. Look at it from that perspective. From that perspective, dividend stocks and dividend growth stocks are very good assets. This is bad, this is good. It's not like that. If you own real estate, you'll be in good shape psychologically. It's your own building. It's good if you do something like this. Yes, when you have enough money, you first have a real building, and then you have a dividend stock like an intangible building. In fact, I think I would be happiest if I had all of these things together. All rich people have a lot of it. That's why when you become rich, your portfolio is invested. Fortunately, now a lot of things like ETFs have appeared, so even if you don't have a lot of money, you can have a portfolio. It's time to save money. I said this in the sense that even ordinary people can receive dividends such as monthly rent through integer ETFs.

The second topic is that I put in 750,000 won per month, so now I have 1 billion won in retirement funds. It's not the exact 1 billion anyway. This is the law that created 1 billion won and how to receive a monthly pension of 4 million won. In fact, in our last retirement video, we said that a pension is essential to not go bankrupt in retirement. What kind of pensions do we currently have in our country? The name of the pension system is different, but the form is different. It is a formula that is common all over the world. It is based on the three-tier pension. The economic entity is the state, company, or individual, or they are all interconnected. The government does it, the National Research Institute of Korea, the company and office workers do it together, the retirement pension, and the three types of personal pension that I prepare myself. It's the formula. That's what we commonly say. It has to be added here, so now our housing pension is added.

Also, what is Plus Alpha? It's not called self-pension anymore, but I buy real estate and receive monthly rent, so it's self-funded. In addition to these pension products, the only thing I can finance for my living expenses is self-pension. So, if you look at it broadly, there are three basic pensions. The 3rd floor pension is the national pension, retirement pension, and personal pension, and here's a little on the rooftop. For example, anyone who has a housing pension and can afford it should do the same thing. Creating and living on a self-pension is the most basic form. If we estimate the average monthly salary of our office workers at 300, how much is the pension per month? Can you save and how much pension can you receive in retirement as mentioned earlier? People who receive up to 3 million won per month looked up the solution to the monthly mistake and it is 2.656,670 won. So, it is about 2.66 million won. Problem. It is a matter of whether you can guess how much you can put into your pension in this system.

You will have to pay health insurance premiums, and then you will have to pay smartphone usage fees, and there will be transportation expenses. If you saved it, you can assume 6 million won. Wouldn’t it be possible to put 10,000 won into a pension? Then, this person is involved in putting it in. The national pension is a retirement pension, and the amount that I put into it every year is about 12 million won. 99% of it is withdrawn from the national pension, and one month's salary goes into the pension of 3 million won per month, and then I. Since I have 500,000 won, it is 6 million won, so 12 million won per year is more than I thought. Exactly 1.24 million won. Yes, there is a difference between DC and non-type retirement pensions. Non-type is something that the company takes care of, and DC is managed by me. I put in 500,000 won. In this and DC type, I am conservative and anxious, so I only put in 250,000 won each, for a total of 750,000 won. The rate of return is 7%.

The reason why I did 7% is that the S&P 500 has an average annual rate of return of 8% over 200 years, but since it has risen a lot recently, I lowered it to 7%. I did a simulation, and after 10 years, it will be about 103.17 million won, and after 20 years, it will be about 390 million won. But the dramatic thing is that after 25 years, it will exceed 600 million won. Ah, after 30 years, it will exceed 900 million won. Everyone, you need to see this. The moment when the trickle-down effect begins to take effect dramatically is 20 years later. In Korea, the college entrance rate is over 70%. Men usually get a job at the age of 27, and when they get out at the age of 55, in Korea, they only actually stay in their main job for 28 years. But in the US and Europe, Europeans get a job at the age of 20.

The college entrance rate is not included, and it is like this until the age of 60. Then there is a 40-year operating period. See, if you add 750,000 episodes for 40 years, it goes up more dramatically. So, I think that people who are simple and simple can only be in the 7 to 88% range. Even if you stay, that's okay. Yes, if you have the tenacity, will, a little frugality, and a little humility toward the market that I can protect for 30 years, you can do it to some extent during your 30 years of work. Even if it's not perfect, there's enough to make a difference. Even if I don't have to go into detail, I really want you to ask this question. It's a detailed question, but the operating method of this retirement pension is a little different. How should I operate this now? What if I add a tax deduction of up to 9 million won?

and this is a combination of the two? Pension savings Account and personal IRP. So, which one should we put in here first? We need to put both in. A question arose like this. I always don't have money for 9 million won, so I'll just put in 6 million won. What I want to tell you first is that at least 600 should be put into a wealthy person's pension savings account. I think it's right to put in the personal IRP 300 and then put in the personal IRP 300. Oh, I'm doing it like this. I filled out the 6 million won pension account and then I automatically placed the remaining 3 million won in iip 250,000 won each. When 9 million won is reached, it will be processed. This is because the operation method is different. There is no limit to the assets managed by the pension savings account, but the personal IRP safe asset ratio is 70%. If you want to buy all the ATF, you can benefit from the dividend performance.

I want to buy 100%, but I can't. I can only buy 70%. Because there are investment restrictions, especially younger people and those who are more active in investing, fill up the pension savings account first. There is no limit to this, so use it as much as possible and when you look for it. There is another difference, about a margin. Since I had assets, I invested up to the 10,000 won limit instead of 9 million won. It's money that I haven't received a new notice. I can retrieve this money at any time, but I can retrieve the pension savings account at any time, but IRP n. You can find it after the start of the pension. After the age of 55, I am telling you to first save and fill up the pension and then worry about it. And now in private pensions, we now have pension savings products and pension insurance, which of the two you can sign up for. Should I do it? It's not like I can just do it.

The pension savings account can only have up to 18 million won in pension. Then, long-term insurance for more than 10 years is now exempt from taxation. So now, if you put it in as a pension, the insurance company's pension insurance is new. You can put in 100 million won per month for 10 years up to 1.5 million won. I put 100 million won in Shinhap and I spend 1.5 million won each in the savings method. Is only up to 280 million won tax-exempted in front of the total? In the past, the entire amount was exempted from taxation. So now, people with money can save 50 million won in Shinhap. Even if it costs 100 million won, it is exempt from taxation. Even though the rate of return is low, in the past, they called it savings insurance and saved money because of the tax exemption. Since this is being misused, they keep lowering the limit. The limit is fixed. Now, there is a trade-off. If you cancel in the middle of this, you will definitely incur a loss.

So, pension insurance has the advantage of being tax-free, but if you cancel it in the middle, you will lose money. So, it is better to make a plan for yourself from the time you grow. And pension savings have an advantage. If I don't have enough money, I can just cancel it, so I can just buy an ETF. It's okay if you don't buy it, but now you have to pay the pension unconditionally. There is a reason why you need to receive severance pay as a pension rather than a lump sum for 10 years or more. You can also add IIP to the existing retirement pay system. If you put in IIP and receive it as a pension, you can retire for 10 years. Even though this system is now in place, uh, 30% reduction and 40% reduction after 10 years, the rate of receiving severance pay as a lump sum was almost 98%, but the rate of receiving severance pay as a pension has increased by about 10%.

The tax problem is the biggest. When I receive a plant and put the money in the bank and earn interest, the interest goes into the insurance premium. As these are becoming widely known, the income tax is reduced and the health insurance is converted into a pension, but the only condition is received in installments over 10 years. The key is to just know that if you receive it as a pension, you will get a 30% discount, and then you will be deducted from one pension. Find out the rest when you need it. If you want to withdraw money at the end, go to a financial company and consult. This is widely known, so you will receive consultation. Lastly, it is simple, but when to start the pension. When is the best time to do it? Also, is it right to do it when you are 55 years old? That's what the older brothers I know are saying. They say it's better to get paid when you're a year younger than when you're in a tent for two months.

But even though I retired forever, I still don't want it. Now that I'm a famous real estate expert, my instructor's income alone is quite high. Then, if I have that income, it gets reduced. I told him to go to the national pension, but hey, he doesn't give it all because. Since the national pension is not a savings axis but a national welfare system, it has an asset reallocation function. So, more money goes to those with low income, and those who have paid a lot receive a little less, so even if the pension starts, if you have a lot of income. I give these people a cut of their snacks. If those people get a deferred pension, it increases by 7.2% per year. First, how much income you earn is important. Second, your values are very important. There are only two groups around me. Actually, it's the happiest one, but there is a second group. If I make good money and receive the national pension, I have to get it at a reduced rate. Oh, I should act.

Doing it this way is the happiest case. Just like the national pension, you can receive the general pension from the age of 55, but it may be advantageous for those who delay it. However, if I reach retirement age at 55 and have some time, I have to withdraw a little and repay it. But there is no exact answer to this. Oh, that's right, it depends on the individual's situation. In particular, withdrawal is the most difficult. How to receive pension from pension and when to do so are actually much more difficult than investing pension assets.

노후파산 원천 차단하고 평생 월세 받으며 사는 방법 1가지(이상건센터장 통합본) | S&P 500 | 월배당 ETF | 연금저축계좌 | 시퀀스리스크 | 연금저축펀드

라이프링크 스튜디오

노년기 자산 관리 및 금융 사기 예방하기

은퇴 후 10년 동안은 자산 손실을 피하기 위해 현금 흐름과 소득을 세심하게 관리해야 하는 시퀀스 리스크가 중요합니다.

윌리엄 벤겐이 고안한 4% 법칙은 균형 잡힌 투자 비율을 통해 90세까지 돈을 인출하고 유지하는 전략을 제시합니다.

노년기 금융 사기가 증가하고 있어 투자에 대한 충동성이 높아지고 고수익과 안정성을 약속하는 사기에 대한 주의가 필요합니다.

은퇴 계획을 위한 복리 이자의 힘

복리 이자는 은퇴 계획에서 중요한 역할을 하며, S&P 500 지수는 연평균 7%의 수익률을 보이고 있습니다.

'72의 법칙'은 고정된 연간 수익률로 돈이 두 배가 되는 데 걸리는 시간을 추정하는 간단한 방법입니다.

워렌 버핏과 같은 투자의 전설이 증명했듯이 10~15%의 높은 수익률을 꾸준히 달성하면 장기적으로 상당한 부를 축적할 수 있습니다.

성공적인 포트폴리오 생활 관리하기

찰스 핸딜라인은 개인이 다양한 정체성과 역할을 가지고 보다 만족스럽고 체계적인 삶을 살 수 있는 포트폴리오 라이프의 개념을 제안합니다.

지루함과 외로움을 견딜 수 있는 능력을 키우는 것은 특히 은퇴기에 매우 중요하며, 이를 재무 전략과 결합하여 위험을 줄일 수 있습니다.

배당주나 ETF와 같이 현금 흐름을 창출하는 자산에 투자하는 것은 안정성을 제공할 뿐만 아니라 시간이 지남에 따라 수익률을 높일 수 있는 잠재력도 제공합니다.

배당주 및 ETF를 통한 투자 극대화

배당주에 투자하면 특히 배당금이 증가하는 시기에 꾸준한 현금 흐름을 창출할 수 있습니다.

배당 성장 ETF는 3~4%의 배당 성장률을 제공하는 좋은 대안입니다.

연금저축계좌나 IS 계좌를 이용하면 세금 문제를 줄이고 효과적으로 은퇴 자금을 마련할 수 있습니다.

연금저축계좌에 투자하면 세금 이연이 가능하여 배당금에 복리 효과를 누릴 수 있습니다.

또한 이 계좌는 특정 소득에 대해 비과세 혜택을 제공하므로 해외 자산 투자에 유리합니다.

배당금을 재투자하는 전략과 S&P 500과 같은 ETF 선택은 장기 시장 수익률에 큰 영향을 미칠 수 있습니다.

투자 및 은퇴 계획에서 타이밍의 중요성

시장 타이밍은 예측할 수 없으므로 달러 코스트 애버리징과 같은 전략은 적당한 가격에 주식을 매수하는 데 효과적일 수 있습니다.

매도 타이밍은 매우 중요하며, 투자금을 보유하는 것이 장기적인 수익으로 이어질 수 있습니다.

은퇴 계획에서 부동산, 배당주, ETF 등으로 다양한 포트폴리오를 구성하면 재정적 안정을 위한 현금 흐름을 창출할 수 있습니다.

한국의 개인연금 및 퇴직연금에 대한 이해

한국에는 국민연금, 퇴직연금, 개인연금의 세 가지 기본 연금이 있습니다.

받을 수 있는 연금액은 월급과 저축률 등의 요인에 영향을 받습니다.

시뮬레이션에 따르면 7%의 수익률로 30년 동안 상당한 노후 자금을 마련할 수 있는 것으로 나타났습니다.

연금저축계좌와 개인형 IRP의 운용 방식에는 구체적인 규칙과 제한이 있어 개인이 연금저축을 관리하는 방식에 영향을 미칩니다.

연금 및 장기 보험 과세 변경 사항

연금저축계좌의 비과세 한도는 1,800만 원이며, 10년 이상 장기 보험은 비과세됩니다.

비과세 한도가 2억 8천만 원으로 신설되어 고소득자의 세제 혜택이 줄어들게 됩니다.

새로운 규정은 비과세 연금 및 보험의 오남용을 방지하고 장기적인 재무 계획의 중요성을 강조하는 것을 목표로 합니다.