Get tax benefits and prepare for retirement at the same time!
From making 100 million won in seed money to stable investment methods
The Secret to Magically Getting Rich Through Pension Savings

Is there a way to manage your money reliably while also growing your assets?
A friendly financial guide for anyone who wants to get rich.

Everyone wants to save a lot of money and become rich.
However, it is not easy to prepare for retirement and manage one's finances with a salary that is difficult to earn to cover living expenses, fixed costs, and even maintenance costs.
Many investors say that 100 million won is the first gateway to becoming rich and the minimum seed money for financial investment. However, for most salaried workers, it is difficult to create 100 million won as seed money with leftover money.
But what if there was a way to not only take advantage of tax benefits but also prepare for retirement by drawing on a monthly pension? What if high-risk, high-return investments like stocks and coins are unsettling? We reveal the secrets of wealth creation through pension savings: the magic of financial management that allows you to easily and conveniently save a set amount and watch your assets grow over time.

“I wanted to raise 100 million.”

After passing the US Certified Public Accountant exam and working as a finance manager at a German company, the author chose the three tax-saving measures of pension savings, IRP, ISA, and ETF to save 100 million won.
A pension savings fund that returns 16.5% of the principal annually and can also be invested in stocks; an IRP that provides tax benefits of up to 9 million won per year for individual retirement pension contributions; an ISA that provides tax benefits of up to 100 million won over 5 years through an individual comprehensive asset management account; and even an ETF that allows index funds to be traded like regular stocks.
You can learn how to accumulate 100 million won through stable savings and investments, and how to use smart investments to prepare for retirement and become a pension millionaire by increasing your 100 million won to 300 million won.
The author shares the economic daily life of an ordinary office worker, comfortably and naturally conveying the feelings of deprivation that come with being not the only rich person and the stock market that everyone else is investing in, making it seem as if the story were his own.
You will also discover that it is possible to become wealthy without being an aggressive investor.

“I realized this while saving 100 million won.
The most important thing in saving money in the long run is not high returns in the short term.
To complete the long and arduous journey of retirement planning, you need to invest with peace of mind, delivering steady, even if slow, returns and steadily increasing your assets. ETFs are a great investment vehicle that allows you to let go of vague anxieties and impatience and invest with peace of mind.

"You can become a millionaire with your pension? I was shocked.
“If you manage and maintain your retirement fund, which is part of your salary, appropriately until you are 59.5 years old, you will become a millionaire.”

“Retirement allowance is a basic resource for preparing for retirement.
Whether you receive it as a retirement allowance or a retirement pension, you should unconditionally consider it as non-existent money and transfer it to an IRP account to receive it as a pension after the age of 55.
“A retirement allowance is a certain amount of money set aside by a company to ensure the income of its employees in retirement.”

“The story of the pension rich is not something that comes from another world.
You just need to have a clear sense of purpose for your old age and prepare for it.
“It seems so obvious now, but I only realized this when I was in my 40s.”

“The biggest difference between pension savings and IRP accounts is the investment ratio.
“While pension savings can be invested 100% in stock products, IRPs must unconditionally invest 30% in principal-guaranteed products.”

“I organized the money that felt like small change scattered throughout my regular accounts and transferred it one by one to my pension savings account.
I have been cashing out my stock investments, which I had been making in a haphazard manner, and moving them to a pension savings account to diversify my investments through ETFs.
As I accumulated some funds and started to accumulate a lump sum, I felt my money growing.
“Pension savings are a great way for salaried workers to save money and prepare for retirement.”

“Let’s take advantage of pension savings through year-end tax deductions for salaried workers, through comprehensive income tax deductions for self-employed workers, through tax deferrals for housewives, and through special payment year conversion systems for minors.
“Every penny I save today will make my retirement a little more comfortable.”

“I am still investing in funds related to the 4th Industrial Revolution, and the current cumulative return is +54.85%.
After selling the KOSPI fund, I switched to several funds.
I bought and then sold Vietnamese funds, US high-dividend funds, global funds, and ETFs.
There were some gains and some losses.
As a result of all these gains and losses, the current total cumulative return is +40.01%.”

“The ‘three-tier pension structure,’ which is still unfamiliar, is now a necessity, not an option.
As soon as you start your social life, you must prepare for national pension, retirement pension, and private pension.
If you know, you can prepare.
Let's start now and create a solid 'three-tier pension structure' to prepare for a comfortable and happy retirement.
I want to have a blessed retirement.
“You can do it.”

“Once I had the hope that I could become a pensioner, I started to have goals, and once I had goals, my lifestyle started to change little by little.
Investing in stocks helped me develop a sense of economics, experience the magic of long-term investment and compound interest, and begin to look forward to life after retirement with anticipation for my old age.
“All of this changed when I started buying stocks.”

“My goal so far has been to save 100 million won in pension savings, but I will soon be working towards 300 million won and 500 million won.
What's different from before is that I have a firm confidence that if I keep going like I am now, I will achieve it someday, whether it's 500 million or 1 billion."

“Anyone can become a pensioner.
Just believe in the gift of time, study, have hope, and accumulate stocks with a happy heart.
Let's not vaguely fear old age.
“Just prepare.”

“If you combine the capital gains from 100 million won with the frugal lifestyle habits you’ve built up to save 100 million won, you’ll be able to save 200 million won or 300 million won much faster than it took to save 100 million won.
“This is why raising 100 million is still a goal for many people.”

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