Well, it seems like you are very stressed because of taxes right now, but I should introduce you to a way to guide you through taxes. Have you heard of it? Yes, there are no taxes at all, really. What is it? What is it? Wow, I learned something great today. Medical treatment should be from a doctor, medicine from a pharmacist, and investment from an investment expert. Before, we talked about gold, bonds, and one more thing, right? Yes, that's right. So, when you buy and sell these three things, is there anything to be careful of? Well, then, who should we start with? Shall we start with gold? If you invest in gold, do you have a place where you think the future profit will be good? Gold trading is done on the exchange. Which exchange? Just the one you always see on the first floor, the gold exchange. Yes, that's right. In fact, it says gold exchange on the first floor, but to put it simply, gold is bread.

Gold rushes to buy bread and thinks I could become rich if I buy gold without knowing the price of gold, but I don't really recommend it because when I buy gold in physical form, I have to pay a value-added tax of 10%. What I mean is, if I buy gold worth 10 million won, I have to pay 11 million won to buy it. Then, when I sell it, it has to be 11 million won to start making a profit, so I'm already starting with a 10% loss. In addition, there are costs like the gold-bread margin and processing fees, so I express it like this: if you buy gold from Gold Bread, the Gold Bread man becomes rich, not me. Yes, if it doesn't rise significantly, that's why if you go to the bank, there is a way to invest in gold, but not all banks. If you go to Shinhan Bank, Woori Bank, or KB Bank, there is something called Gold Banking. Gold Banking, what is it in Korean, Gold Bank.

Or a gold savings account, the name differs slightly from bank to bank. When I deposit money, the bank automatically buys gold with this money. So, they keep it in gold, and if the gold price goes up and I want to sell the gold, the bank sells the gold for me and gives me the money. So, it's like they handle it for me. It's very convenient, right? Of course, the bank takes a commission of about 1%. So, if you invest through a gold savings account, there is an advantage that you can invest even a small amount like 0.01g of gold. However, the government is not just sitting back and watching this. Why? Because I made money, so I have to pay taxes on the money I made, right? That's why they deduct a dividend income tax of 15.4% on the price difference. 15.4% is a lot, right? It's too much, but there's nothing we can do. That's just how it is.

I know, so banks are quite convenient and simple, right? Well, you seem to be very stressed because of taxes. I should introduce you to a way to deal with taxes. Have you heard of the Korea Exchange? It's here. Here, right? Yes, the Korea Exchange. Do you understand what they buy and sell there, Mr. Semin? The role of the Korea Exchange is like a securities exchange, right? Yes, that's right. So, what do you buy and sell there? Stocks, bonds, futures, options, and so on. That's where you buy and sell those things, at the Korea Exchange. They have a gold market here. You haven't heard of it, have you? From today, you'll know. Yes, the Korea Exchange has recently established a gold market. They are trying to promote trading where Korean gold trading can be done a bit more covertly to avoid taxes.

I just set up an exchange, but if the gold that was active in that market comes up, we should give some benefits, right? Yes, what else can the government give in terms of benefits? That's right. Therefore, if you trade at this Korean gold exchange, we will reduce the tax when you earn money. How much of a reduction would you like? Ah, there's 15.4% now, right? I would like it to be below 10%. Please be a bit more ambitious. Oh, how about 5% less, 1% more, or even 0.5% more? Yes, how about no tax at all? What did I say earlier? By legalizing gold trading that is currently underground, the government is giving bold benefits to bring it into the legal system. How much of these benefits can you receive? I don't know. Wow, I learned something great today. If you have the time, go to the Korean gold exchange and trade gold there.

You don't need to go, you can trade through a securities company account. You can do it on your phone as much as you want, so it would be good to show interest. Now, when it comes to trading stocks, where is the best place to do it? The Korean Stock Exchange market is very neatly organized. Bonds may be a bit difficult and unfamiliar. I don't even know where to buy them, right? Yes. So, if you want to buy bonds yourself, it's most efficient to buy them through a securities company. Therefore, precisely, the securities company has a lot of national bonds. So, if we want to buy national bonds, we can buy them from the securities company. And if we want to sell national bonds, the securities company will buy them from us. Therefore, we will receive money on that day.

There are numbers. If I say I will buy government bonds directly, you can go to a securities company. But there are too many types of government bonds, and I don't know where to invest. I am confused and not confident. So, just like you go to a doctor for medical treatment, and a pharmacist for medicine, you should go to an investor for investments. That's right, to an investment professional. So, you entrust it to a fund. However, among the funds, there is a fund that invests in bonds. Its name is a bond-type fund with a deposit and dividend. By investing indirectly in it, you can do it. Let me tell you one more thing. The day we are filming today has not yet been aired, but soon the government will announce that since institutional investors and foreign investors hold all the bonds, individual investors find it too difficult. Therefore, we decided to create government bonds exclusively for individual investors. So, up to now in our country.

There is a special country for individual investors. Only individuals can buy it. But there are advantages and disadvantages. First, the advantage is, this is a bit long-term, over 10 years. So, ah, if it's 10 years, 20 years, it may seem too long, but it gives a bit higher interest than other government bonds. And the interest is accumulated gradually and given all at once at maturity. Also, it applies separate taxation on taxes, so it's a bit advantageous compared to other taxes. However, there is a disadvantage. Bonds don't have to be held until maturity. You could buy and sell them anytime. But with this special government bond for individual investors, you cannot sell them. Ah, you have to hold until maturity, right? But if I really need money and have to sell, instead of redeeming it back to the government, there is a way where if the interest rate goes down, the value of the bond goes up.

I can't make money by selling it to others, it's not allowed. So, it's a bit disappointing, but anyway, since there will be a special institution for individual investors, it would be good to show some interest. For those who have a long-term perspective, it seems very beneficial. You could consider investing once with a specific goal in mind, like using it for retirement funds. Also, I have a strong feeling that the dollar, oh, the dollar, the dollar will rise in the future. Where are you going to run to? Buy dollars. Right, you have to go to the bank. If you go to the bank and say, Please give me dollars for my Korean won, they will give you dollars. If you keep that in your pocket and the dollar goes up, you can exchange it for profit. Oh, this is certainly one of the good methods. Especially, there's no tax on this exchange gain.

So, this is good, but you know, it's unfair when you change cash like this when you go abroad, right? The exchange rate, right? Even if they give you a discount, there's a big difference. So, even if the exchange rate hasn't gone up, if you buy with cash and sell with cash, you'll lose money. Yes, so doing it with cash like this is a bit disappointing. So, if I think the dollar will rise, I recommend going to the bank and opening a dollar savings account. If you open a dollar savings account, you not only get exchange rate gains but also interest on the deposit. Especially when interest rates are high these days, the interest on a dollar savings account is quite high. So, you can benefit from both exchange rate gains and interest on the deposit. So, there is a way to open a dollar savings account for a certain period, like a 3-month, 6-month, or 1-year term. However, what I would like to recommend is

I recommend buying assets that are evaluated in dollars rather than investing only in the dollar itself. This might be a bit difficult to understand. Assets evaluated in dollars. Well, my facial expression doesn't look good right now, not gold, not gold at all. But gold, you see, since the price of gold is uncertain, what I recommend is this: How about buying U.S. Treasury bonds? U.S. Treasury bonds, of course, are issued in U.S. dollars. So, even if you don't make any profit in the U.S., you still make a profit as the dollar rises. But you see, currently, the U.S. has a very high interest rate. So, if the interest rate goes down a bit, what happens to bond prices? They go up, right? That's what happens. So, if bond prices go up...

Going up can also bring profits, and going up in dollars can bring me profits too, so I can see a win-win situation. So, if I invest in bonds evaluated in dollars or even in U.S. stocks, let's say the U.S. stock price went from $10 to $11, then I earned $1. But if the dollar also went up, then I can have both. So, it seems like a good idea to invest in assets evaluated in dollars. Now, let's talk about gold bonds and dollars. You might be thinking about investing now that you've become a doctor, right? There's a saying, Don't put all your eggs in one basket, so you might want to consider diversifying your investments. However, when you think about it, the three assets might not all rise at the same time, have different proportions, and so on. So, first, when and what...

If you are interested in assets, I will explain some keywords that you should look at. Yes, in fact, that's right. When interest rates rise, now, regarding bonds, I will talk about government bonds. What happens to government bond prices? They go down. So, when interest rates fall, government bond prices go up. Then, when is the best time to invest? It is best to invest when interest rates are expected to fall in the future. If you hold government bonds at that time, what happens to the government bond prices? They go up. So, you receive the basic interest that comes from the government and the government bond prices go up, so you gain both ways. Therefore, when investing in government bonds, it is good to invest when you think interest rates will fall in the future, and it's good to increase the proportion. This is the idea. If we delve a little deeper, let's say you have a government bond with one year left until maturity, and another one with 20 years left until maturity, then

When interest rates fall, what tends to rise more? Is it better to see the effects for only 1 year or for 20 years? Well, it's better to see the effects over 20 years, right? In that case, if there is a long time until maturity, long-term bonds will rise more. So, when interest rates fall, which bonds and government bonds should you invest in? Long-term government bonds. And if it's the opposite, then short-term, right? Yes, that seems to be the case. The second one was about gold. So, gold is considered a stable asset compared to what we talked about earlier, which is currency. So, if the currency value falls, the value of gold will rise, right? What do we call it when the currency value decreases? That's inflation, right? So, when inflation gets stronger and prices rise a lot, that's when the currency value decreases, so the value of gold will rise.

It doesn't always hold true, but generally, you can consider it that way. Now, the U.S. dollar. When we talk about the U.S. dollar, it may refer to the value of the U.S. dollar itself, but usually from our perspective, we are talking about the exchange rate against the Korean won. So, the U.S. dollar, in other words, the exchange rate, is strictly determined by supply and demand. Therefore, in our country, what are we very good at? Exporting is crucial for us. When exports are successful, how do we receive the export payments? In dollars. Then, if there are more dollars coming into our country, the demand for buying dollars will decrease because there won't be a shortage of dollars. As a result, the dollar exchange rate will not rise significantly. So, typically, if our country is facing economic difficulties, has to import a lot, and is not doing well in exports, inevitably, the U.S. dollar will rise. Therefore, think about the fact that when the U.S. dollar rises, it's primarily due to this. IMF.

There have been times when our country faced the most difficulties. For example, what happened to the exchange rate of the US dollar? It increased significantly, up to 2,000 won, and then during the 2008 financial crisis, our country faced challenges again, causing the dollar to rise. Recently, due to the corona pandemic and the Russia-Ukraine war, we had to import a lot and our exports were not doing well. During these times, the dollar went up again. So, whenever we need a lot of dollars, the exchange rate goes up without fail. You don't need to memorize this, just understand it. For example, in exams, when thinking about bond prices, you can judge them by keywords like interest rates, inflation. Lastly, regarding the dollar, it is closely related to our country's exports. If you look at exports, it always aligns correctly.

But it's not totally wrong. It's somewhat accurate. So if I have some money now, how much do I have? Not a lot, but let's say I have 10 million KRW. In that case, if I decide to start investing, what percentage should I allocate? Then, like you mentioned earlier, divide the eggs. Yes, let's create broad categories for allocation. There will be investment assets like stocks, then there will be safe assets like bonds, and as we talked about earlier, there's gold, which is considered an alternative investment. So, let's divide them into these three groups. With 10 million KRW, since it's a significant amount for me, I would like to focus more on safety. So, I might allocate around 30% to stock-type assets. However, within that, there will be domestic stocks and also international stocks.

The story seeps into various assets, right? Oh, like the moon, right? Yes, and then there are bonds. Bonds account for about 60%. So, 60% of bonds are divided into domestic bonds and foreign bonds. The remaining 10% goes into gold. So, inside, there are safe assets like bonds, safe assets like the US dollar, and safe assets like gold. These are what make up the portfolio. However, if Taehyun doesn't invest a lump sum of 10 million won but, for example, invests 500,000 won monthly, like a savings account, more elegantly expressed as a monthly installment investment, usually. Investing a fixed amount every month. By doing this, you can add a bit more profitability. So, you can increase the proportion of stocks in your assets.

Combining Korean stocks and foreign stocks, it's a bit scary, like 50%. But if I buy now, what if it goes down? But next month, more money will come in. Then, I can buy more at a lower stock price. Oh, I heard a professional term. Average price, right? So, by dividing and investing, you can secure a very advantageous position. Therefore, I recommend 50% of your stock assets. It will include domestic stocks and foreign stocks, which will be invested in dollars. Then, domestic bonds and foreign bonds will be reduced from here, about 25%. So, the remaining 25%, what will go in? Gold, maybe? But when you talk, do you increase the proportion of foreign stocks or foreign bonds a bit more?

Is it the influence of the dollar after all? There is an influence of that, but let me give you a realistic explanation. The stock market in Korea has grown significantly, exceeding 2,000 trillion won, even surpassing 2,200 trillion won. However, the weight it holds in the global stock market is not that significant, around 1%. So, it fluctuates between 1-2%. In a very objective view, it's still not in a prominent position that catches much attention. Therefore, I recommend focusing more on overseas stock markets, especially advanced markets, rather than the Korean stock market. Oh, is it like playing in deep waters? Understood. You have set up the portfolio like this, so if we summarize, representative safe assets include gold, bonds, and dollars. You mentioned that for beginners, it might be better to invest in concrete assets considering safety and profitability, right?

Beginners often worry a lot, but actually, as you mentioned, if they learn and try investing themselves, some of the worries may diminish. It seems like it's not that difficult. Investing in safe assets, right? And, Vice President, since you have also set up a portfolio for us, it would be helpful for those who invest in monthly installment plans or for those who invest a lump sum. Just saving our monthly salary won't lead us to financial freedom. By trying out investments like this, we can gain experience while rolling and growing our money. Thank you, Vice President Jo Jaeyoung, for your help. Thank you. See you next time. Goodbye.

안전자산 3개로 업고 튀어 (ft.금, 채권, 달러 포트폴리오)｜돈워리 MZ

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안전자산 3개로 업고 튀어 (ft.금, 채권, 달러 포트폴리오)｜돈워리 MZ

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