“Pension investment is something that ordinary people can do.
“It’s a sure way to get rich!”

Everything about pensions, compiled in one volume by 810,000 investment mentor "Park Gom-hee TV."

Now that South Korea has entered a super-aged society, an even more shocking reality has been revealed.
According to an analysis by the Seoul Financial Welfare Counseling Center, 86% of those filing for personal bankruptcy are middle-aged or older, aged 50 or older, and according to Statistics Korea, one in four adults has given up on preparing for retirement altogether.
Unprepared old age is no longer someone else's problem.

Faced with this desperate reality, financial YouTuber Park Gom-hee, who has returned five years after publishing her best-selling book, "Park Gom-hee's Investment Method," now reveals the secret to receiving a lifetime salary through pension.
The author, who came from a securities firm, has been a financial YouTuber for five years and has personally listened to the pension concerns of numerous subscribers.
"I don't know much about investing, so how should I prepare for my pension?", "Is it really possible to live off of 300 million won for retirement?", "Is it too late to prepare for my pension at 55?", and other pressing questions are answered in "Park Gom-hee's Pension Wealth Class."
We've completed a pension wealth roadmap that anyone can follow, using just four tax-saving accounts and proven investment methods, without complex investment knowledge or a large sum of money.

The most innovative part of this book is that it applies the '4% rule' as a stable asset withdrawal strategy after retirement.
The author presents a concrete method for creating an "endless cash flow" that preserves principal while living solely on earnings, utilizing a proven methodology that states that withdrawing 4% of your retirement funds annually will keep your funds from depleting for 30 years or more, or even your entire life.
In fact, the Nobel Foundation, which awards the Nobel Prize, has been consistently paying out prize money for 120 years based on a similar principle.
Based on this scientific evidence, the author has developed a strategy that can be used for life by withdrawing only 4-6% of pension assets annually.

It also presents specific portfolios and payment strategies based on an individual's investment capacity, ranging from 500,000 won to 2 million won per month, and shows how actual cash flow is generated by asset size.
It goes beyond simply saving money, and provides detailed guidance on the entire pension receipt process, divided into five steps: from pension initiation to portfolio conversion to monthly dividends, tax optimization, and selecting a payment method.


The author emphasizes that “it is more important to start, even if it is imperfect, than to make a perfect plan.”
From office workers in their 30s and 40s to those in their 50s preparing for retirement, this book offers the most realistic and proven solutions for beginner investors who want to start preparing for retirement but don't know where to start.

Retirement assets must be 'invested', and pension accounts are the best way to accumulate retirement assets.
This simple truth will change your life 30 years from now.
Don't be difficult.
I designed this book to be simple and clear so that even beginners in financial management can easily follow it.
Simply create four tax-advantaged accounts and follow the path I'll guide you on your journey to long-term investing.
Our primary goal is to create a savings account of at least 300 million won in retirement by utilizing investment methods appropriate for each account.
Next, I will propose a scenario that generates a monthly cash flow of 3 million won while maintaining assets by utilizing monthly dividend ETFs.
This is the most practical pension strategy I've found through years of experience and research.
It's more important to start with an imperfect plan than to make a perfect one.
Even a small amount of money can make a big difference 30 years from now.
---From the "Prologue"

I saved up to prepare for my own retirement, but there is a strange system in place where the government gives me money.
This is the tax deduction for pension savings.
A tax deduction is a benefit that allows you to receive a tax refund of a certain percentage of the amount paid into pension savings each year.
If you sign up for pension savings, you can receive a tax deduction of up to 16.5% of your annual contributions, up to 6 million won.
In simple terms, if you pay 6 million won, you can get up to 990,000 won back at the end of the year.
Tax deductions can be viewed as 'government-supported retirement preparation subsidies.'
This means you get an immediate 'guaranteed return' of up to 16.5%.
No investment guarantees such certain returns.
If you think of tax deductions as income, pension savings have benefits that are completely absurd and do not fit with market logic.
In addition, if you utilize IRP, you can receive a tax deduction of up to 9 million won per year, which means you can enjoy a tax saving effect of up to 1,485,000 won.
If you consistently receive tax deduction benefits like this for 30 years, you can save a total of 44.55 million won in taxes.
If you reinvest the money you save, the effect will be even greater.
---From "How to Create Your Own Nobel Foundation"

How much more should we prepare beyond the national pension? How much is realistically needed? Many experts suggest various amounts, but setting goals that are too high can only lead to frustration.
The advice to save 2 billion won or 3 billion won is unrealistic for most people.
Realistically speaking, 300 to 500 million won would be appropriate.
Let's take a closer look at why this amount of money is needed.
The key to preparing for retirement is creating a 'cash flow that will last a lifetime.'
It's not just about saving money; it's about making sure that money generates steady income so you can receive a steady, fixed amount every month.
Let's apply the '4% rule' explained earlier.
Considering that interest rates are higher than in the past, and calculating at 6%, if you have 300 million won saved for retirement, you can withdraw about 18 million won per year (1.5 million won per month).
When it is 500 million won, you can withdraw 30 million won per year (2.5 million won per month).
If you add 1 million won in national pension per month to this, you get a basic cash flow of 2.5 million won per month for 300 million won and 3.5 million won per month for 500 million won.
If you have an account or retirement pension that does not receive tax deductions, and both spouses receive national pension, you can easily achieve 3 million won per month with 300 million won.

---From "What are your retirement financial goals?"

In the United States, companies that have increased their dividends for 25 consecutive years or more are called "Dividend Aristocrats," and companies that have increased their dividends for 50 consecutive years or more are called "Dividend Kings."
There are currently about 50 Dividend Kings worldwide, the most well-known of which are Coca-Cola and Pepsi.
(…) Coca-Cola maintains a policy of providing shareholders with a consistent dividend yield of approximately 3%.
What's important to note here is that while the visible yield may be low, the dividend itself is steadily increasing.
Looking at the dividend per share over the past three years in the table above, it was $0.46, $0.49, and exceeded $0.50 for the first time in 2025.
What does this mean? Investors buying Coca-Cola stock as of June 2025 will receive a 3% dividend yield, but those who bought the stock 10, 20, or 30 years ago will receive a significantly higher dividend yield relative to their initial investment.
Warren Buffett, chairman and CEO of Berkshire Hathaway, has not sold a single share of Coca-Cola stock for this very reason.
It is known that the dividend yield of Buffett's Coca-Cola stock is 60-80% of the initial investment amount.
In other words, Buffett has almost recovered the amount he initially invested just from the dividends he receives each year.
This is the allure of investing in dividend growth stocks.
Even if the current dividend yield isn't high, holding it for a long period of time will allow you to enjoy a high return compared to your initial investment as the dividends steadily increase.
---From "Monthly Dividend ETF Strategy that Delivers Steady Profits Every Month"

One thing I've learned over the years working in the investment industry is that there are no right answers in investing, but there are good examples.
Asset allocation investing is one good example.
Even professional investors recognize the value of asset allocation investing, and even if they themselves prefer a different investment approach, they often recommend asset allocation investing when giving investment advice to others.
Of course, even if you hold a variety of assets, you may experience losses in the short term.
However, the appeal of asset allocation investing is that it recovers over time and the cumulative return gradually increases.
It can be said to be an investment method that moves forward slowly but steadily, like a turtle.
Asset allocation investing can be done by constructing a portfolio directly, or by utilizing indirect investment products such as ETFs or funds that perform asset allocation on your behalf.
This strategy can be invested all at once or in small amounts each month, and is particularly suitable for pension investments aimed at building long-term assets.
---From "An Asset Allocation Portfolio That Remains Unshaken Even When the Market Fluctuates"

The first step in your pension strategy is to merge your pension accounts.
It's about combining pension accounts that have received tax deductions into one.
Both pension savings and savings IRPs that receive tax deductions not only receive tax deductions, but also share annual and total limits, so it is advantageous to merge accounts into one through pension transfer.
On the other hand, retirement IRPs containing pension savings and retirement benefits that are not tax deductible must be managed separately.


Why do we need to divide it this way? Because annual and total limits apply separately depending on the account type.
Pension accounts with and without tax deductions have different tax structures and should be managed separately to optimize taxation.
Pension accounts that have received tax deductions are subject to pension income tax (3.3-5.5%), pension savings that have not received tax deductions are tax-exempt (profits are subject to pension income tax), and retirement IRPs are subject to retirement income tax.
Combining your tax-deductible pension savings and savings IRP makes it easier to identify key assets in one account.
Additionally, asset allocation and rebalancing become much easier, making portfolio adjustments simpler.
Plus, you can be more flexible with your withdrawal plans.
Since it is in one account, it is easy to efficiently adjust the amount received within the total limit.
Especially when planning how much you will receive each month after retirement, it is much more convenient to manage it in one account rather than dividing it into smaller amounts from several accounts.
---From "Step 1: Merging Pension Accounts"

“Mr. Park Gom-hee, is it really possible to live off of 300 million won after retirement?”
“Yes, it is possible.”
Many people ask this question in lectures or YouTube comments, and I always answer it like this.
If I invested 500,000 won per month in four accounts for 22 years at a 7% annual return, what would happen to my funds? The changes would seem minimal for the first few years.
In the first year, the deposit amount increases by only 230,000 won, from 6 million won to 6.23 million won.
In the second year, the profit is only 910,000 won, with 12.91 million won paid in 12 million won.
But from the fifth year onwards, the pace of change accelerates.
If you put in 30 million won, it becomes 36 million won, so you make a profit of 6 million won.
From this point on, the compound interest effect of 'money making money' begins to appear in earnest.
When you reach the 10th year, something even more amazing happens.
I put in 60 million won, but it turned out to be 87.04 million won.
This means that a whopping 27.04 million won in profit was generated.
The money I earn from my investments starts to account for more than half of the principal I put in.
The real magic happens in the second half.
In the 15th year, 90 million won is paid, which makes it 159.4 million won, and in the 22nd year, it finally exceeds 300 million won.
I only put in 114 million won, but it became 314.14 million won.
Of particular note are the changes during the latter 10 years (13th to 22nd years).
During this period alone, assets increased by 186.74 million won, from 127.4 million won to 314.14 million won.
Most of the total profits were concentrated in the latter 10 years.
This is the true power of compound interest: 'time makes money'.

---From "A Realistic 300 Million Won Retirement Scenario"