| Account | This month | 2025 Cumulative Amount | ||
| KRW | USD | KRW | USD | |
| Pension Saving Fund | – | – | 6.0M | – |
| ISA | – | 5.7M | ||
| IRP | – | 3.0M | ||
| Roth IRA | – | – | – | $8,000 |
| Total | – | – | 14.7M | $8,000 |
| ETF | Month-over-Month Change | Qty | Target | % | |||
| KODEX S&P500 | – | 4,479 | 10,000 | 45% | |||
| KODEX NASDAQ100 | – | 3,789 | 8,000 | 47% | |||
| TIGER TDF2045 | – | 604 | 1,500 | 40% | |||
| VOO | – | 40 | 300 | 13% | |||
I hit another scary new record high.
My retirement savings account has now reached a cumulative return of 94.6%. It’ll probably drop a bit if I keep contributing, but I’m not complaining. For now, I even raised the left-side axis on the graph from 100% to 150%.
My ISA account reached its 3-year mark in October. I planned to close it, transfer the funds into my retirement savings account, and get the tax deduction — but unfortunately, that didn’t work out.
When selling and cashing out the ISA investments, I would have had to pay U.S. taxes on the capital gains… I wrote a separate post explaining the details.
It’s a bit disappointing, but it looks like I’ll have to keep the ISA account running indefinitely. Maybe after some time, they’ll eventually raise the contribution limit to 200 million KRW.
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