Strongly recommended by Director Yeom Seung-hwan of 'Yeombli'
I can't put it off any longer!
Instead of savings, instead of stocks, now ETFs
Create an ETF portfolio that's just right for you through clever simulations.
Set up your assets and cash flow

ETFs are a safe and high-yield investment strategy that takes advantage of diversification.
It's a perfect method with no reason not to use it, but there are still many people who don't use it properly.
As if to prove the trend, more and more ETF products are being released, making it difficult to choose.
Based on the information and experience of a securities expert reporter, a book has been published that covers everything from A to Z of ETF investment, something that even those just starting out face.
We cover ETFs that are currently hot, from stable to high-yield, step-by-step, tailored to their level of understanding.
The core of this book is to provide a detailed formula to help each individual find the optimal portfolio based on a combination of ETFs that generates 1 billion won in assets and 3 million won in monthly cash flow.

How to Make the Most of ETF Investments from A to Z

· Even Warren Buffett said that ETFs are the answer!
· English + Numbers + Korean = ETF
· Now, start a financial business with ETFs, not chicken restaurants!
· Starting with the S&P 500 in a tax-free account
· JEPI + JEPQ = Annual salary of 100 million won
· Retire with Shud and QQQ
DIVO will be your second paycheck account.

My hope that my daughter will start investing in ETFs is tied to my desire to grow my money with less mental anguish.
This is the solution offered by the modern financial investment industry. ETFs bundle together a large number of risky assets, including listed companies, and link their stock prices to them.
Some stocks surge while others fall.
If I go all-in on a specific stock, my returns will either go up or down.
Investing in numerous stocks simultaneously reduces volatility.
If most of the companies in those stocks are good companies that make a lot of money, then an ETF that includes them is bound to have good returns in the long term.
Even gamblers wouldn't want their families to go all-in on one thing.
Who would recommend investing, not only because you'll lose money but also because of the emotional toll it'll take? Prices will rise again tomorrow, so you should still invest.
If you have a family, you should do this even more.
If a son or daughter wants to invest in ETFs for the medium to long term, no parent would try to stop them.
The faster the better.
Now is the time to invest safely with ETFs.
---From "I hope my daughter starts investing with ETFs too"

This is where we start when explaining exchange-traded funds, or ETFs.
S&P 500 is an index that groups together 500 companies that have been evaluated as excellent companies by Standard & Poor's S&P, a company that mainly does credit ratings in the United States.
That's why the S&P 500 is also called the blue chip index of the United States.
You can assume that most well-known companies, such as Apple and Microsoft, are included.
The S&P 500 is 'water-managing'.
European football has a similar system of promotion and relegation.
If your skills are poor and you fall into the bottom tier, you will be relegated to a lower league the next season.
A few teams that do well in the lower leagues are promoted to this first division.
S&P selects promising publicly traded companies that begin to make real money over a certain period of time and adds them to its index.
This is called rebalancing.
Diversifying investments across 500 blue-chip companies is the core of the S&P 500 and the core of Buffett's investment theory.
Buffett is an investor whose job is to beat the market, so he invested more in individual stocks like Apple.
If you don't have an obligation to provide shareholders with higher returns like Buffett, there's no need to invest in individual stocks.
The key to easy investing is to invest in as many companies as possible to reduce investment risk and secure stable retirement funds in the medium to long term.
In this process, ETFs are used as one of the important tools.
---From "Why ETFs Should Be the First Step in Financial Planning"

As of April 14, the dividend rate for Shud is 4.11% per annum.
The underlying asset used when comparing whether dividend yields are high or low is the interest rate on time deposits at domestic commercial banks.
As of today, the bank interest rate is in the 3% range.
When compared, SUD is ultimately a better investment than domestic deposits.
In terms of investment risk, deposits are obviously safe.
According to the Depositor Protection Act, even if a bank fails, the government will return all deposits up to 50 million won (as of the first half of 2025).
Even high school textbooks teach that returns are proportional to investment risk.
Shud should also be considered safe.
It's hard to imagine 100 of America's best companies failing at the same time.
If dividend rates evaluate short-term investment utility, dividend growth rates symbolize long-term investment attractiveness.
Shud's dividend growth rate is 11.44%.
This is based on the Compound Annual Growth Rate (CAGR). CAGR is an indicator of how much a specific number grows each year due to compound interest.
This value can be easily calculated using Excel.
---From "Understanding ETF Terminology Will Make You Rich"

On Wall Street, the S&P 500 is also called the "risk-free asset."
This index, which includes 500 of the world's leading companies, has been on an upward trend for 100 years.
So it has served as a benchmark in various financial investment industries.
A benchmark is a basic comparison target when judging the return (performance) of an investment or portfolio.
If my return was 20% over a year, and the S&P 500 rose 10% during the same period, it means my investment performance was twice as good as the benchmark.
Over the past 30 years, the S&P 500 has risen about 8%.
Considering that the deposit interest rate at domestic commercial banks was in the 2% range as of early April 2025, it is four times higher.
The basic report card for the investment industry is 8% per year, so depositing money in a domestic bank may make you look like you have no financial knowledge.
So what I'm saying is that if you put your money in the bank, your assets will melt away.
This is a return that cannot keep up with the inflation rate and falls short of the underlying (S&P 500) index.
If you want to follow the upward trend of blue-chip companies in the U.S. market, the S&P 500 is the answer.
The three major ETFs that track this index are SPY, VOO, and SPLG.
These three ETFs have the most money and the largest market capitalization.
With low fees and a low stock price, small investors who want to follow the S&P 500 are uniting behind SPLG.
---From "SPLG for Beginners Hoping to Be a Long-Term Small-Sized Investor"

The basic philosophy of financial investment is that success and diversification cannot go together.
However, there is an ETF that challenges this absolute principle: DIVO. DIVO is an ETF that adheres to the principle of diversification while simultaneously pursuing high returns and high dividends.
It's been 9 years since I took on the 'Dream E TF' challenge.
A domestically listed ETF has also emerged, following DIVO's lead. DIVO has dispelled my doubts about whether it could kill two birds with one stone (stability and profitability).
It's one of my favorite ETFs that I've been watching for a long time.
It achieved a stock price return of 40% over the past five years (April 17, 2020 - April 18, 2025).
It has recorded a dividend yield of 5% over the past year (based on ETF check).
With a 5% annual dividend yield and a 7% annual stock price return (based on the average annual compound growth rate), it achieved an average total return of 12% annually. The ETF industry has continuously evolved.
The first generation of ETFs was an era of index tracking, following the S&P 500 or Nasdaq.
Since then, various concept (theme) ETFs, such as semiconductors and autonomous driving, have been released.
In the third generation, high-dividend ETFs that paid high dividends were mainstream, and now the era of fourth-generation ETFs has arrived, which have four features such as basic monthly dividends, high price-to-earnings ratios, high dividend yields, and stock price stability, such as DIVO.
---From "DIVO, Your Second Paycheck Account"

Wigobi was created by a Danish company called Novo Nordisk.
It is the original obesity treatment drug that is effective and has fewer side effects.
As long as women want a slim figure, sales of Wegobi will not decline.
As of April 2025, the domestic price of Wegobi is 370,000 won per pen (one injection).
Since it is a non-covered treatment not covered by health insurance, the price varies greatly depending on the hospital when you add the cost of treatment and prescriptions to the cost of the medicine.
In addition, as the dosage of medication must be increased, the average monthly patient burden reaches 800,000 won.
Here, as the global trend is toward allowing obesity treatment drugs such as Wegobi to be used even by teenagers, the target group for medication is also expanding.
The U.S. healthcare industry did not sit idly by and watch Novo Nordisk's dominance.
Eli Lilly responded with 'Zebbound'.
Both Wegobi and Zebbound are injectable drugs.
They have taken over the global obesity treatment market.
As the success story of losing weight simply by getting injections spread around the world, investors also began to invest in these two companies.
The domestic ETF industry also moved quickly.
As these two companies are dividing the obesity market, we have launched ETFs centered on these two companies.
The two major ETFs are 'TIGER Global Obesity Treatment TOP2 Plus (476690)' and 'KODEX Global Obesity Treatment TOP2 Plus (476070)'.
Both ETFs have the largest holdings in Novo Nordisk and Eli Lilly.
---Among the "Top 2 Global Obesity Treatment ETFs"

SOXL stands for 'Direxion Daily Semiconductor Bull 3X Shares'.
This means that the ETF was created by an operator called Direxion to track the stock price movements of semiconductor-related companies at three times the rate.
When looking only at stock price increases, if the stock price of the ETF's underlying assets (semiconductor companies) rises by 1%, the ETF's return becomes 3%.
Because of these short-term, ultra-high returns, S OXL has become very popular.
Based on the stock holdings of Seohak Ants, over $2.6 billion has been invested in SOXL as of May 9, 2025.
As stock price volatility increased in 2025, retail investors focused their investments on this ETF.
It ranked 7th in terms of storage amount.
Even Wall Street is astonished at the large investment by Korean investors in these ultra-high-risk products.
This is not admiration, it is concern.
Just looking at the product design structure, you can see that.
---From "The Dangerous SOXL: That Sweet Temptation"

In an era where ETFs solely track indices, ETFs that offer safe monthly dividends and high returns are emerging one after another, leading to active research into safe, high-yield ETF combinations.
Because this field is so diverse, there can be no single right answer.
Each investor may have a different strategy that suits them.
First, we can combine SPLG and DIVO, discussed above, with KODEX US Dividend Covered Call Active. SPLG offers value and stock price appreciation, DIVO provides dividends and stock price appreciation, and KODEX US Dividend Covered Call Active provides monthly mid-year dividends and tax savings.
For investors who believe these strengths offset each other's weaknesses, this combination holds the key to a comfortable night's sleep and a comfortable retirement.
Set the initial investment amount to 33 million won for each of these three ETFs.
This means that a seed capital of 100 million won is essential.
Numerous simulations have shown that investing less than 100 million won imposes numerous limitations and takes too long to generate a monthly cash flow of more than 1 million won.
Therefore, we decided to set the initial investment amount at 100 million won.

---From "10 years later, 1 billion won in assets, 3 million won per month"