Category: 투자 전반
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미성년자 자녀 연금저축 증여 와 투자 시뮬레이션 (S&P 500 주식 증권 투자)
미성년자 자녀 연금저축 증여 관련 이번 포스팅을 작성하면서는 우리 부모님이 나한테 이걸 해줬더라면 하는 생각을 지울 수가 없었다ㅠ 그래도 뭐 어떻게 할 수 없는 일이니 나중에 내가 자녀가 생기면 해준다는 마음으로 글을 써본다. 집안 대대로 굵직한 사업을 하거나 대대손손 부를 물려받지 않은 집안에서 (=일반적인 가정) 가장 효과적으로 부를 물려줄 수 있는 방법은 태어났을 때부터 투자…
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Jan 2025 Performance (AUM KRW 185.7M)
Account This month 2025 Cumulative Amount KRW USD KRW USD Pension Saving Fund 1.5M – 1.5M – ISA – – IRP – – Roth IRA – $2,000 – $2,000 Total 1.5M $2,000 1.5M $2,000 The portfolio value is nearing 200m KRW, so I’ve adjusted the Y-axis maximum to 250m KRW. Somehow, just seeing that number…
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2025 My Pension Investment Portfolio in Korea
This post outlines my updated 3-tier pension portfolio for 2025. While there aren’t major changes from 2024, adjustments were made due to the need to set aside additional cash this year. Here’s a breakdown of the portfolio: Type Name/Account Annual Contribution Investment Remark National Pension NPS (KR) Income 4.5% N/A 1st tier pension Social Security…
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개인연금 포트폴리오 2025 — 연금저축·IRP·ISA·Roth IRA 3층 구조
2024년 나의 3층 연금 포트폴리오에 이에서 2025년 나의 3층 연금 포트폴리오 개정판을 포스팅한다. ’24년과 비교해서 사실 바뀐 점은 크게 없고, 올해 따로 현금을 조금 모아두어야 해서 투자 규모에 조금 변동이 생겼다. 포트폴리오를 정리하면 다음과 같다. ’25년 연금 포트폴리오 구분 연금명/계좌 연간 불입할금액 투자종목 비고 공적연금 국민연금 (KR) 소득 4.5% N/A 1층연금 Social Security Retirement (US)…
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Dec 2024 Performance (AUM KRW 180.8M)
Account This month 2024 Cumulative Amount KRW USD KRW USD Pension Saving Fund – – 18M – ISA 0.85M 12.6M IRP – – Roth IRA – $2,000 – $12,500 Total 0.85M $2,000 30.6M $12,500 In 2024, I achieved my savings and investment goals as planned. In December, I couldn’t resist the temptation brought by the…
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Nov 2024 Performance (AUM KRW 166.5M)
Account This month 2024 Cumulative Amount KRW USD KRW USD Pension Saving Fund – – 18M – ISA 0.7M 11.8M IRP – – Roth IRA – – – $10,500 Total 0.7M – 29.8M $10,500 After Trump’s election victory, the U.S. stock market responded with record highs, and my personal retirement account also hit a new…
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Oct 2024 Performance (AUM KRW 157.9M)
Account This month 2024 Cumulative Amount KRW USD KRW USD Pension Saving Fund – – 18M – ISA 1.5M 11.1M IRP – – Roth IRA – $3,160 – $10,500 Total 1.5M $3,160 29.1M $10,500 Another year has flown by, and now just two months remain. I invested in my Roth IRA for 2023 at the…
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Sep 2024 Performance (AUM KRW 142.8M)
Account This month 2024 Cumulative Amount KRW USD KRW USD Pension Saving Fund – – 18M – ISA 1.0M 9.6M IRP – – Roth IRA – – – $7,340 Total 1.0M – 27.6M $7,340 The U.S. lowered the interest rate by 0.5%. Regardless, I bought more. Talking about interest rates reminded me of Peter Lynch.…
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Aug 2024 Performance (AUM KRW 141.3M)
Account This month 2024 Cumulative Amount KRW USD KRW USD Pension Saving Fund – – 18M – ISA 3.3M 8.6M IRP – – Roth IRA – – – $7,340 Total – – 26.6M $7,340 It was early August, and my account was melting faster than ice cream on a summer pavement. So, what did I…
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July 2024 Performance (AUM KRW 138.8M)
Account This month 2024 Cumulative Amount KRW USD KRW USD Pension Saving Fund – – 18M – ISA 1.6M 5.3M IRP – – Roth IRA – – – $7,340 Total – – 23.3M $7,340 Is it a correction phase?No significant updates or changes.