Hello, this is MaSam. In this video, if you invest in leveraged dividend stocks and only pay interest on loans, it is possible to live without savings for the rest of your life. I will explain how this is possible. This video is about the recent increase in the resignation rate of new civil servants in Korea

over time. The main reasons for retirement are said to be low wages and high stress from civil service work. Let's find out the annual salary of new civil servants. As of 2024, the annual salary of new civil servants in Korea is approximately 30 million won ($21,780).

On the other hand, new college graduates at large companies. The average annual salary is about 44 million won ($31,837). The difference in annual salary is about 13,900,000 won ($10,057). If you divide this amount by 12 months, it is about 1,158,333 won ($838) per month.

For a beginner in society, 1,158,333 won per month is a very large amount. The difference is more than you think. It's big. However, life cannot be viewed only at a certain point in time. In other words, it must be looked at in the long term.

The biggest disadvantage of a large company is that you cannot work for a long time even if you want to. The biggest disadvantage of a civil servant is that when you are a new employee, you work for relatively low wages. However, the biggest advantage is that it is possible to work until retirement age.

In the case of Korean civil servants, it is possible to work until the age of 60 without being fired, as long as the person does not cause social controversy. This video you are watching now is about public service workers in Korea. This means that the retirement age has been extended from 60 to 65.

As you know, public service workers are not regular public officials and generally assist general public officials or perform other tasks. As the retirement age of public service has been extended, general public service workers also have extended hours. It's just a matter of

time, eventually, the probability that the retirement age will be extended to 65 has become very high. There are many civil servants in Korea. Of course, there are many civil servants abroad who work hard for the country. I think that the jobs of those civil servants are really good jobs.

There are many reasons, but as mentioned above, as I said, the most core advantage is that you can work for a long time. You don't have to be a civil servant as long as you can work for a long time. The equivalent of a civil servant also includes office workers working at public enterprises.

And most of them work in poor working environments. If employees of small and medium-sized businesses can work without being fired until retirement age, working for that company can be a huge advantage. It is very important for employees to work in a good environment.

The meaning of a good environment includes many things. I think the most important thing among them is being able to work for a long time without being fired. Let me explain in more detail. The image you see is a financial calculator. Let's assume you are a new employee just starting your career.

As of 2024, the annual salary of a first-year new civil servant is approximately 30 million won ($21,655). It may vary depending on the individual's credit rating, but credit loans are available from 1 to 1.5 times the annual salary.

If the maximum loan limit is set at 1.5 times, the amount is 45 million won ($32,483). You can apply for a loan of 45,000,000 won ($32,483). Invest all of the 45,000,000 won ($32,483) in SCHD.

Enter the investment amount of 45,000,000 won into the financial calculator. Then, in order to set the investment period, we will find out the number of years that a public servant can serve. The average passing age is 27.2 years.

For the sake of calculation, let's assume that you started working at 28 years old. Then, if you start working at 28 years old and the retirement age is extended by 5 years and work until 65 years old, you can work for 37 years.

Invest in a financial calculator. Enter the period as 37 years. Now let's look at SCHD's expected rate of return. SCHD's dividend rate excluding taxes is about 3%. SCHD's average annual stock price growth rate is about 7%.

If you add 3% and 7%, the expected rate of return for one year is 10%. Then, enter the annual interest rate as 10% in the financial calculator. The interest part is automatically applied as annual compound interest.

Then, the amount of 45,000,000 won ($32,483) after 37 years will be about 1,530,177,686 won ($1,100,451). Since I retired at age 65, now the assets worth 1,530,177,686 won ($1,100,451) must be used for living expenses.

As mentioned, the expected rate of return for SCHD in one year is 10%. Then, 3% will be received as dividends and 4% will be sold as self-dividends. Then, a total of 7% of living expenses will be provided.

The remaining 3% can be left as is without selling to protect against inflation. 7% of 1,530,177,686 won is approximately 107,112,438 won. Then, let's calculate how much 107,112,438 won is as of 2024.

The investment amount in the financial calculator is 36,000,000. Enter KRW ($25,977). The investment period is the same as 37 years. For the annual interest rate, enter 3% in the concept of the inflation rate.

Annual compounding is also applied to the interest rate. If you calculate under those conditions, 36,000,000 won ($25,977) is 37 years. Afterwards, it will be about 107,468,160 won ($77,571).

7% of 1,530,177,686 won will be about 107,112,438 won. The difference between the two will be about 355,722 won. What this figure means is that after 37 years from the current standard, 7% of 1,530,177,686 won will be 107,468,160 won. This means that it is about 36,000,000 won ($25,889).

Then, if you divide 36,000,000 won by 12 months, it becomes 3,000,000 won per month.

You must know the true meaning of this 3,000,000 won. What it means is that if you only buy SCHD with a loan of 45,000,000 won, if so, living expenses of 3,000,000 won per month will be solved at the current value in 2024.

More importantly, living expenses of 3,000,000 won per month will be solved. This means that if you can only pay the loan interest for 37 years, you can consume all the surplus remaining from your salary. This is what it means.

This table you see now calculates the amount of money that civil servants can spend per year. For convenience of calculation, it does not reflect personal income tax, etc., so please see it for simple reference. As you can see, the annual salary is 30,100,000 won ($21,721).

Pension and health for civil servants insurance premiums were deducted and it was assumed that living expenses for one year would be 1,000,000 won per month. The loan interest rate was 5%. Then, the amount that could be spent for one year would be about 12,005,611 won ($8,663).

1,000,000 won ($625) per month. The point I want to tell you is that the annual consumption amount is 12,005,611 won ($8,663). If you invest only 45,000,000 won in SCHD as a loan,

you can spend 100% of the annual consumption amount of 12,005,611 won. In other words, it becomes possible to live a life without the need for savings. Moreover, as for the loan amount, if Korea's standard interest rate does not rise,

The interest amount on your loan will be 2,250,000 won this year and 2,250,000 won next year, and the same amount will be 2,250,000 won the following year. Your salary will increase as time passes.

If you get promoted a few times, your salary will increase further. In this way, the amount of money you can spend will increase as time passes. Of course, SCHD's average annual rate of return is about 10%, but there is no guarantee that it will continue to be 10% in the future.

Therefore, we will conservatively lower the expected rate of return. We will apply an inflation rate of 3%. And this is the 1-year chart of a company that pays the best dividends and has the highest financial soundness in the world. Let's apply a growth rate of 5%.

Then, the total expected return for one year is 8%. Enter the same investment amount of 45,000,000 won into the financial calculator. The interest rate is 8% per year. Then, after 37 years, 45,000,000 won will be approximately 776,053,151 won.

10% was about 1,530,177,686 won, but 8% return was about 776,053,151. When I saw the difference of 50.7%, it was almost cut in half. The reason why there is such a big difference even though it is only a 2% difference

is that the 2% return difference is influenced by the power of compound interest. If this happens, a huge difference will occur. We now have to solve the 2% difference in rate of return. The method is very simple. The rate of return on investment cannot be changed, so just increase the investment principal.

Then, the investment amount will double to 90,000,000 won instead of 45,000,000 won. Let's try it. The rate of return is 8%, and when calculated with 37-year compound interest, it is about 1,552,106,303 won.

The rate of return of 10% is about 1,530,177,686 won, and although it is slightly lower, the final amount of the 8% rate of return is higher. In other words, you are saying that the current expected rate of return of SCHD is lower than 10%. If you decide,

you can increase the loan amount. However, if you are new to the workforce, you cannot invest a large amount of loan amount. However, there is a way. Do not spend the surplus in the first year and invest it all in SCHD.

In other words, only work for 4 to 5 years after joining the company. If you increase the investment amount, the problem is solved. If you work for 5 years, your annual salary will increase, so the loanable amount will also increase.

From then on, you will be able to consume 100% of the surplus from your salary. If you want to apply SCHD's rate of return more conservatively than now, there are many solutions. For example, you spend all the surplus from your salary, but

if you receive a bonus such as a bonus, you can invest that amount additionally. Another method is to only invest an additional 10% of the amount you can spend from your salary. If you feel more conservative, you can double it to 20% instead of 10%.

. And in the case of credit loans, the loan is generally limited to 1 to 1.5 times your annual salary. It is possible. This means that as the number of years you work at your job increases, the loan amount available also increases.

In other words, there is a way to invest by gradually increasing the loan amount. For example, if your annual salary increases by 3% of the inflation rate. Let's assume that it does. Then, the loan amount increases by 3% every year.

Then, the loan interest amount that I have to pay every year will increase, but since I increased the loan amount compared to my salary anyway, the loan interest burden ratio will not increase and will remain the same. I currently have 280,000,000 won. I am investing about $202,429 in SCHD.

With that amount, my net worth is 40,000,000 won ($28,933). Let's assume that I am currently 45 years old. Then, if I work until I am 65, I can invest for 20 years.

. Enter the investment amount of 280,000,000 won into the financial calculator. The expected rate of return is the same at 10%. Enter the investment period as 20 years. Interest is automatically applied at annual compound interest. Then, after 20 years, 280,000,000 won ($202,429) will be approximately 1,883,699,986 won ($1,354,692).

If you calculate 6% living expenses from 1,883,699,986 won, it comes to about 113,021,999 won. Then, let's calculate the monthly living expenses by assuming that the current value in 2024 is 5,000,000 won ($3,615).

Multiply 5,000,000 won by 12 months to get 60,000,000 won ($43,380). Enter the one-year investment amount of 60,000,000 won in the financial calculator. Investment The period is the same as 20 years.

Enter 3%, which is the increase in inflation, as the rate of return. Then, you can see that the current KRW 60,000,000 will be approximately KRW 108,366,674 ($77,933) after 20 years.

Now, if I can only repay the loan interest from my salary, I can You can consume all of the remaining surplus (4,655,325 won remaining). In other words, after 20 years, you will be able to consume 5,000,000 won per month at the current value in 2024.

This means that my retirement preparations have already been completed. In other words, I can now save for the future. It is possible to live a life without this. Of course, there is no guarantee that a 10% SCHD rate of return will be possible in the future.

So, let's apply a very conservative rate of return. That is, inflation of 3% and global companies that pay good dividends and have high financial soundness. Let's calculate a total rate of return of 7% by applying a profit growth rate of 4% per year.

The investment amount is the same, 280,000,000 won. The investment period is also 20 years. Enter a rate of return of 7%. The amount calculated based on that standard is 1,083,511,649 won ($779,120). That's about it.

So let's assume that only 6% of that amount is withdrawn. 6% of 1,083,511,649 won is approximately 65,010,699 won. Then, let's find out the current value of 65,010,699 won in 2024.

Enter 36,000,000 won into the financial calculator. The investment period is the same as 20 years. The rate of return is 3%, which is the rate of increase in inflation. The result is about 65,020,004 won ($46,979).

36,000,000 won ($26,011) divided by 12 months is 3,000,000 won ($2,174) per month. In this way, I will be able to spend 3,000,000 won ($2,173) per month in current value in 2024,

and with this, preparations for retirement have already been completed. I will receive a salary in the future, pay only the loan interest, and save the remaining amount. All of the surplus can now be consumed. If I get greedy and invest additional SCHD,

my retirement living expenses will become more abundant. Someone asked in the comments how I plan to repay the loan of 240,180,000 won ($173,578). Of the loan of 240,180,000 won, 25,280,000 KRW is a collateral loan for a personal pension.

In the case of this collateral loan, it is automatically repaid when the pension is canceled. Then, the remaining 214,900,000 KRW ($155,308) remains. Here's a financial calculator. Let's assume that you have worked at the company for over 10 years and

have an accumulated severance pay of about 56,000,000 won ($40,474). Instead, since each of your annual salaries is different, let's assume that no additional amount is invested for 20 years. Let's calculate it with a 7% rate of return.

The 7% rate of return is the sum of 3% inflation and 4% growth rate. Then, after 20 years, 56,000,000 won will become about 216,702,330 won. Now I don't have to worry about loan repayment

, so I need to hurry up and start investing in leveraged dividend stocks that allow me to live a life without savings. For your information, you should only take out loans within the limit you can afford. And I will leave the address of the site where you can use the financial calculator

in the pinned comment below. Please check your own retirement age and living expenses. Then, the next video is about savings. This is the second story of a life that doesn't need this.

SCHD 저축 필요없는 인생 (1) / SCHD Life without Savings (1)

MaSam 마르지 않는 샘물

급여와 직업 안정성 비교: 공무원 대 민간 부문

우리나라 신규 공무원의 연봉은 약 3,000만 원입니다.

대기업 대졸 신입사원의 평균 연봉은 약 4,400만 원입니다.

직업 전망을 비교할 때는 장기적인 관점이 중요합니다.

공무원은 정년(60세 또는 잠재적으로 65세)까지 고용이 보장됩니다.

장기적인 고용 안정성은 공무원뿐만 아니라 안정적인 공기업 일자리에도 적용될 수 있는 주요 장점입니다.

재정적 독립을 위한 레버리지 배당 투자 전략

신규 공무원은 최대 4,500만 원까지 대출을 받을 수 있습니다.

대출 금액을 SCHD(배당주)에 투자합니다.

SCHD의 예상 수익률은 10%(배당 3% + 성장률 7%)로 추정됩니다.

37년이 지나면 투자금은 약 1,530,177,686원으로 늘어날 수 있습니다.

이 전략을 사용하면 월 300만원의 생활비를 충당할 수 있습니다.

연간 생활비는 12,005,611원으로 추정됩니다.

대출 이자는 일정하게 유지되는 반면 급여는 시간이 지남에 따라 증가합니다.

보수적인 수익률(8%)은 잠재적인 시장 변동을 고려한 것입니다.

초기 투자 금액을 늘리면 수익률 하락의 영향을 완화할 수 있습니다.

다른 전략으로는 잉여 수입과 보너스를 투자하는 방법이 있습니다.

사례 연구:  45세 투자자의 계획

20년간 280,000,000원을 투자하는 시나리오.

20년 후 예상 월 생활비는 5,000,000원입니다.

보다 보수적인 7%의 수익률도 고려할 수 있습니다.

보수적으로 접근하더라도 은퇴를 위한 충분한 자금이 예상됩니다.

대출의 일부는 연금 해지 시 자동으로 상환되는 담보 대출입니다.

퇴직금은 남은 대출 금액을 충당하는 데 사용할 수 있습니다.

퇴직금과 투자 수익으로 대출 상환은 큰 문제가 되지 않습니다.