“You can retire in 5 years without worrying about money!”
A tailored investment strategy for the 40-50 age group, starting with dividend stocks and ETFs.

As retirement approaches, my worries deepen.
No matter how much I calculate, the national pension is woefully inadequate, and my retirement allowance seems like it will run out soon.
Many say that earning monthly rental income is not as easy as it sounds, and that starting a business is risky.
So how should we plan for retirement? The author, who has been an economics journalist for 18 years, suggests "tax-saving dividend investing" as the most practical solution, starting now. In "The Tax-Saving Dividend Retirement Formula: Complete in One Volume," he publishes the book.

This book contains investment strategies that create a stable cash flow while reducing the burden of taxes and health insurance premiums.
This guide details how to utilize dividend income as a "fourth pension" to supplement the insufficient national pension and retirement pension, how to maximize profits through tax-saving accounts, and even how to construct a monthly dividend ETF portfolio that generates cash flow like rent.

It's okay if you only have five years left until retirement.
This book focuses on strategies that can be quickly implemented like a quick plan, and is structured so that anyone can follow it, from office workers in their 40s and 50s to those who have already retired but are anxious about their retirement.
This one book is all you need to create your own investment formula with tax savings and dividends.

The concerns faced by those approaching retirement are not light.
Many questions arise: how will we spend our remaining time, how will we manage our health, how will we maintain social relationships, etc.
But among them, the most pressing problem is definitely money.

According to a survey conducted by Mirae Asset Investment & Pension Center on approximately 400 retired men and women in their 50s or older, financial management was cited as the top regret for not preparing in advance before retirement.
The regrets about the post-retirement job plans that followed were also deeply connected to economic issues.
Except for a small number of people who have thoroughly prepared for retirement, there is no disagreement that the biggest concern facing retirement is ultimately 'money.'

---From "In an era where it is difficult to pay rent and start a business"

To maximize your returns within a short period of five years, you should actively utilize tax-saving accounts that allow you to enjoy the benefits of compound interest.
Of course, five years is a relatively short period of time to experience the effects of compound interest, but tax-saving accounts such as pension accounts and ISAs have annual contribution limits, so it is important to fill up to the limit every year if possible.
A pension account that combines pension savings and IRP can receive a tax deduction of up to 9 million won per year, and a maximum deposit of 18 million won can be made.
One of the biggest advantages of pension accounts, in particular, is that dividend income is exempt from tax.
For example, funds or ETFs that invest in foreign indices such as the S&P 500 or NASDAQ are subject to a 15.4% tax on capital gains, which are considered dividend income. However, this tax does not apply to pension accounts.
---From "The Golden Time for Retirement Preparation: 5-Year Investment Planning"

In 2024, major domestic banks, starting with Shinhan Financial Group, announced value-up measures one after another, leading to a significant rebound in their stock prices. Major banks, including KB Financial Group, Shinhan Financial Group, Hana Financial Group, Woori Financial Group, and JB Financial Group, are all implementing a "quarterly equal dividend" policy, distributing a fixed amount of dividends each quarter.
This has the advantage of increasing dividend predictability from the investor's perspective.

Bank stocks have seen significant price increases, driven by the 2024 value-up program and expectations of additional shareholder returns in 2025. However, dividend yields remain in the 3-6% range. KB Financial Group and Shinhan Financial Group each offer dividend yields in the 3% range, Hana Financial Group in the 5% range, and Woori Financial Group and Industrial Bank of Korea in the 6% range.
---「Boring Bank Stocks vs.
Among the stocks and telecommunications stocks with many upsides,

Separate taxation is often advantageous for dividend income.
If you choose comprehensive taxation, you will be subject to health insurance premiums and the tax rate may also increase.
The comprehensive income tax rate starts at a minimum of 6%, but a higher rate than the withholding tax rate (14%) is applied to amounts exceeding 20 million won.
Items subject to separate taxation generally have lower tax rates.
Representative examples include financial income exceeding the tax-free limit in an ISA account (tax rate 9.9%) and pension income generated from a pension account.
Pension income is subject to a pension income tax rate of 3.3% to 5.5%.
Retirement allowances are also subject to separate taxation, but it should be noted that in this case, a progressive tax rate may be applied rather than a single tax rate.
---“Is separate taxation better or comprehensive taxation better?”

According to data from the Korea Deposit Insurance Corporation's Savero, Yildmax's covered call ETFs were so popular that they were ranked among the top 30 net buyers by Seohak Ants.
Not only retirees but also investors looking to steadily accumulate investment funds have sought out the YieldMax ETF.
The biggest reason for its popularity was its high dividend yield, which made it easy to ignore even a slight drop in stock price.
While the annual dividend yield of domestic covered call ETFs is at most in the 10% range, the annual dividend yield of Yildmax's ultra-high dividend ETF exceeds 100%.
When the prices of U.S. tech stocks and Bitcoin surged, the stock prices of covered call ETFs also rose, and their dividends also increased.

However, as the US stock market began to correct in February 2025, the true face of ultra-high-dividend covered call ETFs began to be revealed.
It suffered a double whammy of a reduction in monthly dividends and a sharp drop in stock prices.
Ultimately, concerns that high dividends from ultra-high-dividend covered call ETFs were paid out at the expense of principal have become reality.

---From "The Two Faces of Ultra-High Dividend Covered Call ETFs"