Category: Investment
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2026 IRP Safe Asset 30% Fund Comparison: TIGER TDF2045 vs KODEX TDF2060 Active
Key Takeaways Why I Looked at This In a previous post, I sold my entire KODEX TDF2050 Active position and moved into TIGER TDF2045. The reason was simple: TIGER had a significantly higher allocation to U.S. markets. This time, Samsung launched a new fund — KODEX TDF2060 Active (IRP-qualified). With a target retirement year of…
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Korea Tax-Deferred Accounts and U.S. Taxation: The ISA Case Study
My ISA account finally hit the 3-year maturity mark, and I was getting ready to transfer it into my retirement savings account to claim a tax deduction. But suddenly, a thought crossed my mind:“Wait… wouldn’t this affect my U.S. tax return?” So I decided to double-check. 💡 Conclusion If you live in the U.S., all…
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Comparison of IRP Safe Asset Options in Korea (TIGER TDF2045 vs KODEX TDF2050 vs ACE TDF2050 Active)
Key Conclusion Background of the Review As I mentioned in a previous post, I had been investing in KODEX TDF2050 Active as my IRP safe asset. For your information, the table below shows my portfolio of personal pension accounts such as retirement savings and ISA accounts. Account KODEX S&P500 (379800) KODEX NASDAQ 100 (379810) KODEX…
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Tax Simulation: Severance Pay & Bonuses as Pensions in Korea
Severance Pay & Performance Bonuses as Pensions in Korea. I don’t currently have to deal with this, but I’m writing this post to document and prepare for when the time comes. Severance Pay (DB Plan) The tax treatment of severance pay depends on how it’s received. This applies only to Defined Benefit (DB) plans and…
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Minor Child Pension Savings Investment in Korea and its Performance Simulation (S&P 500)
While writing this post, I couldn’t help but think about what it would have been like if our parents had done this for us. But, oh well, there’s nothing we can do about it now. I’ll write this post with the intention of doing it for my own children in the future. In families where…
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Mindset of a long-term pension investor (Korea Pension Savings Fund, IRP, ISA)
I’m now entering my 6th year of investing in personal pensions using pension accounts (Pension Savings Fund, IRP, ISA accounts). Through many trials and errors, I have established a long-term investment system and developed my own mindset as a long-term investor. In this post, I want to share some thoughts on the factors to be…
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![[Final Version] 2024 My Pension Portfolio in Korea](https://i0.wp.com/dannydkang.com/wp-content/uploads/2024/04/pexels-photo-14936128.jpeg?fit=1148%2C765&ssl=1)
[Final Version] 2024 My Pension Portfolio in Korea
My pension portfolio. After going round and round, I have finally completed the composition of my 3-tier personal/retirement pension portfolio. The following posts summarize the traces and the change I experienced regarding portfolio composition. <Initial Version of the 3-tier Pension Portfolio> I have no plans to change my portfolio until the age of 50. Since…
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Preparing for 100-year Lifespan with Pension Investment
100-year Lifespan. While running a blog related to personal pension investment, the biggest limitation on this topic is the difficulty in producing new content. No matter how much I want to post, the reality is that there is little to say beyond advising to contribute the maximum annual limit to pension funds and IRP accounts…
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Comparing Dividend Stock vs. S&P 500 vs. NASDAQ Performance
Comparing US index and dividend investingConclusion: Investing index funds are the best. In this post, I aim to compare the performance of dividend investing and investing in US indices (US index ETFs) over the same period. Additionally, I’ll compare the average annual growth rates of US real estate and Seoul apartments to determine which investment…
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2024 My Pension Portfolio in Korea
Until 2023, I set up my pension investment portfolio using the following methods. There wasn’t much to ponder, and I planned to invest like this for decades. ~2023 Pension Portfolio Type Name Annual Investment Remark National Pension NP (Korea) 4.5% of Income 1st layer Corporate Pension DB – 2nd layer Individual Pension Pension Saving 15M…