Did you know that in the past, you could exchange dollars for gold at any time? In this session, I would like to talk about gold, which can be considered the most fundamental asset. We will explore the reasons why gold has remained a precious asset throughout the ages, along with a simple overview of its history. Additionally, we will discuss the most advantageous ways to invest in gold and cover everything related to it. 

To talk about gold, we cannot overlook the topic of currency itself. In our country, we use the won, while the United States uses the dollar, and Japan uses yen. Each country has its own agreed-upon form of money. To exchange these different currencies, there must be a standard. In fact, while central banks around the world strive to maintain stable monetary policies to prevent significant fluctuations in exchange rates, the past lacked such stability. However, countries relied on precious metals like gold and silver.

Resources were once based on money. Why, of all things, was it gold or silver? There are diamonds that are rarer than gold, after all. In fact, the value of diamonds is ambiguous; their prices vary based on quality rather than weight or quantity. In contrast, gold and silver are almost pure elements, allowing their value to be assessed based on weight. This is why they could serve as currency. Especially during the Bretton Woods Conference in 1944, when it was stipulated that the dollar could be exchanged for gold, it enabled the exchange of three major currencies based on the dollar, making the dollar the center of global currency and significantly increasing its value. Holding dollars means you can exchange them for gold at any time. Gold, being the most primitive form of currency and possessing immutable value, greatly elevated the status of the dollar by equating it with gold.

Of course, the fundamental system was abolished in 1971. During this time, the United States was in the midst of the Vietnam War and began printing money to cover the costs of the war. As they started to print money excessively, surrounding countries began to doubt whether the dollar could truly be exchanged for gold. They actually started demanding that the U.S. exchange their dollars for gold. However, the U.S. did not have the capacity to convert all that money into gold. So, in the end, they declared in 1971 that the dollar could no longer be exchanged for gold. This significantly diminished the status of the dollar. Yet, it seems that this wasn't entirely the case. The U.S. had already become the most powerful country in the world, and there were no viable alternatives. In fact, as the dollar became free from gold, it transformed the global economy into a system with greater volatility. Money became freely...

As currency continues to be printed, its value is constantly declining, and this process is still ongoing. In the 1990s, a bowl of jajangmyeon cost 2,000 won, which was quite a lot. As more money circulates in the market, the value of money decreases accordingly. However, there is something that remains unchanged: gold. Gold maintains its value because its supply is limited. For this reason, gold is inevitably becoming more expensive as the value of currency falls. Especially during crises, gold shines. When an economic crisis occurs, there is no choice but to doubt the value of currency. As the country wavers, more currency will be printed, and there will also be anxiety that if the country collapses, currency could become just a piece of paper. Therefore, the demand for gold, which always maintains its value, is bound to increase. Let's think about our country during the 1997 IMF crisis. As the foreign exchange crisis hit, the value of the Korean won plummeted.

The only way for the people to save the country is through a gold gathering movement. Gold maintains its value, and it is recognized as the most valuable asset by people around the world. For this reason, we should consider investing in gold as it could be the most perfect asset to prepare for a crisis. As I mentioned, the value of currency continues to decline, so we have been unknowingly defending ourselves against the decrease in currency value by investing in assets like stocks or real estate. Stocks can also be seen as tangible assets since they represent ownership in a company. However, if a crisis occurs, the company may struggle, and the value of the stocks may decline as well. At this time, gold can serve as a defense against that crisis. You can see this by comparing the prices of the S&P 500 and gold; during the financial crisis in 2008, while stocks plummeted, the value of gold...

You can see that the reason I emphasize investing in both stocks and gold in my previous videos is here. Both stocks and gold are tangible assets, which can protect against the decline in the value of currency, while gold mitigates the risks associated with stocks, allowing for stable yet high returns. In the last video, we learned through testing that the combination of Nasdaq 100 and gold provides stable returns while also being profitable. To briefly recap, when comparing the S&P 500, Nasdaq 100, US dividend stocks, Dow Jones, and bonds, we found that investing in both the Nasdaq 100 and gold was the most stable and yielded the best returns. Specifically, investing in Nasdaq 100 and gold in a 60:40 ratio resulted in the best performance, demonstrating that it is possible to achieve high stability without sacrificing returns.

There are sufficient reasons for us to invest in gold. Now, let me explain how to invest in gold. The first method that comes to mind is buying physical gold directly. You can purchase gold from various places. It's great because once you buy the gold and store it well, you won't be charged any taxes or fees while holding it. You can also gift it to others. However, some people try to evade gift tax using this method, so when you buy gold, a 10% value-added tax is applied, and there's also about a 5% commission when doing business. Therefore, to buy gold worth 1 million won, you actually need around 1.15 million won. In fact, there is gold that is traded in the underground market without the taxes, commonly referred to as backdoor gold. Just like when you buy other goods, some places offer discounts for cash payments, and similarly, there are still instances where gold is traded without tax reporting.

If you only pay the transaction fee, you can buy gold very cheaply, as long as you can store it properly. However, I do not recommend this method because it is a clear form of tax evasion. The government encourages trading through KRX gold spot accounts to legitimize the gold traded in the underground market. I highly recommend this method, as it allows you to invest in gold without taxes on profits and without any fees. You can also receive the physical gold at any time. Of course, if you choose to receive it physically, you will have to pay a value-added tax of 10% and additional fees of about 5%. Since you can buy and sell like stocks, there is no difficulty in trading frequently. Although there are trading fees, they are not significant, and since there are no other taxes, I believe this is the most advantageous investment method for individual investors. There are also investment options through gold accounts, gold funds, and gold ETFs, but you will have to pay taxes on a certain percentage of the profits you earn.

하므로 조금 아쉽습니다. 정리하여 보여 드리면 다음과 같습니다. 결론적으로 우리가 할 수 있는 가장 유리한 투자 방법은 KRX 금현물 계좌를 통해 금을 거래하는 방법입니다. 그러면 저와 함께 이 KRX 금현물 계좌를 통해 투자하는 과정을 밟아 보겠습니다. 우선 계좌를 따로 만드셔야 해요. 증권사를 통해 계좌 개설이 가능하고요, 증권사별로 매매 수수료에는 차이가 있으며 이렇게 정리해 두었습니다. 여기서 선택하여 개설하시고 투자하시면 될 것 같습니다. 저는 삼성 증권으로 예를 들어 설명해 드리겠습니다. 우선 계좌 개설 메뉴에 들어가시면 금 현물 계좌가 나올 겁니다. 이 계좌를 만들어 주시고, 계좌 이체를 통해 해당 금현물 계좌에 투자할 만큼의 돈을 미리 넣어 두셔야죠. 이후 금을 사고 팔기 위해서는 메뉴에서 국내 주식 금 현물로 가셔서 금현물 주문으로 진행하시면 됩니다.

You can go in, and then a screen like this will appear. It's quite similar to when you're trading stocks. The current price is for gold per gram. You can trade in units of 1 gram. If you click here, you will see two types of products: gold in 1 kg and 100 g. Since trading is possible in 1 gram, there isn’t a significant difference between the two. However, if you want to convert it into physical gold later, purchasing the 100 g option will be more useful, as you can exchange it in 100 g units. Since there isn't a big difference, let's buy the 100 g option. Just like with stocks, you enter the amount of gold you want to buy and specify the quantity in grams, then you can click the buy button to make your purchase. Investing in gold can be this easy. Today, we explored the importance of gold investment and various investment methods. Gold has historically proven to be a safe asset, especially shining as an investment during economic crises. However, with any investment...

You should approach this carefully and choose a method that aligns with your investment style and goals. If you have any further questions about gold investment, feel free to leave a comment anytime. I will do my best to provide detailed answers based on what I know. I look forward to bringing you more useful information next time. Thank you.

금 투자의 모든 것: 꼭 알아야 할 이유와 투자 방법 가이드까지✨

금 투자의 모든 것: 꼭 알아야 할 이유와 투자 방법 가이드까지✨

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