“After retirement, in your bank account
“What if I get 5 million won every month?”
The "Lifetime Salary" Project, Starting at 500,000 Won a Month

Publication of "Dividend Investment Miracle Routine"
Cash flow of 5 million won per month after retirement,
It becomes a reality that anyone can achieve!

What kind of life will I lead after retirement without a salary?
'Sure cash flow' to prepare for an uncertain future,
The answer is dividend investing!

Can you enjoy a peaceful retirement with just the retirement savings you've accumulated so far? Can you truly enjoy the 30 years after retirement? Without a regular and stable cash flow like a monthly paycheck, all of this is nothing more than a dream.
This is why you should start investing in dividends right now.

“Is it really possible to receive 5 million won per month in dividends?”
“Isn’t that something that requires a lot of investment?”
“Can that really happen with a monthly investment of 500,000 won?”

This is entirely possible if you consistently invest in high-quality dividend stocks every month.
Anyone can invest 500,000 won a month in dividend stocks, and based on the long-term stock price increase and dividend accumulation effect, they can create a structure where dividends of 5 million won or more are automatically deposited into their account every month after retirement.

This book goes beyond simply informing readers about "which stocks are promising dividend stocks," and helps readers internalize "why they should invest in dividends," "what mindset they should have," and "what dividends mean."
Dividend investing isn't just a "money-making technique." It's a concrete way to buy a lifetime of time, prepare for the future, and design a life free from anxiety.

As retirement approaches, people begin to seriously consider how much they can receive each month with the retirement savings they've accumulated.
Now is the era of 100 years.
Even if you retire at 60, you still have 30 to 40 years to live, and without a regular, stable cash flow like a monthly salary, your quality of life will inevitably decline precipitously.
In other words, if there is an investment method that creates a "sure cash flow" to prepare for an uncertain future, it is certainly wisdom we should listen to.

---From "Starting"

Dividend investing is a "kill both the pheasant and the eggs" investment method that pursues active profitability by anchoring in port on stormy days, securing the stability of the investment through the safety margin of dividends, and then going out to sea again on calm days, casting a wide net and even enjoying capital gains.
A typical stock investment involves going out to the open sea and catching a lot of fish during calm times, but returning empty-handed or losing money due to damage to the ship during high waves.
In contrast, dividend investing is a "medium-risk, medium-return" investment that involves going out to the nearby sea, securing a spot where fish are likely to be found, and reaping a stable harvest, and even tying up the boat in port and resting when a storm warning is forecast.

---From "Chapter 1 Understanding the Basic Concepts of Dividend Investment"

A company's dividend is literally a portion of the money the company earns and distributes it to its shareholders.
In other words, cash dividends do not come from profits on the books, but from cash that can actually be held in one's hand.
To put it simply, even if someone's salary seems high, if they have zero money left after paying off credit card bills and loan interest, they wouldn't be able to afford an allowance for their children. Companies are no different.
No matter how much profit is recorded on the income statement, if actual available cash is depleted, cash dividends cannot be paid.
So the most important indicator is free cash flow (FCF).
This is the 'net cash' remaining after deducting necessary investment costs from the cash earned by the company. If the FCF is consistently positive, it can be interpreted that the company has money to pay dividends.

---From "Chapter 2 Practical Strategies for Choosing Dividend Stocks"

A stable dividend investment strategy, as its name suggests, focuses on 'stability.'
A representative target of this strategy is the dividend aristocrats group of stocks described above.
These are companies that have increased their dividends for more than 25 consecutive years, and companies such as J&J (JNJ), Coca-Cola (KO), and Procter & Gamble (P&G, PG) in the United States are representative examples.
What are the characteristics of these companies? They have a solid business model, steady cash flow, and a tendency to be largely unaffected by economic fluctuations.
For example, Coca-Cola still sells even in recessions, and P&G's toothpaste and diapers are necessary products regardless of the economy.
Such companies are capable of steady dividend growth even if their stock price does not rise significantly.

---From "Chapter 3 Dividend Investment Strategy Approaches"

All investments ultimately result in 'cash flow'.
The same goes for stocks, real estate, and bonds.
No matter how much asset prices rise, if I don't have the money in my hands when I actually need it, it's just a pie in the sky.
However, dividend investing actually creates money that is deposited into your account every year (or every month, or every quarter).
This gives investors psychological reassurance.
Even when the market fluctuates, the belief that dividends will still be paid this quarter calms investors' minds.

---From "Chapter 4: Practical Guide to Korean Dividend Investment"

Just 10 to 20 years ago, dividend investments were primarily focused on high-dividend domestic stocks. However, the number of investors now turning their attention to dividend stocks listed in overseas markets such as the U.S., Europe, and Asia is rapidly increasing.
However, overseas dividend stocks are not something you can approach simply because they have a high dividend yield.
Because there are complex, invisible barriers between countries, such as international currency dispersion and tax issues.
So why should we focus on foreign dividend stocks? While Korean companies' dividend payout ratios are steadily improving, they remain low compared to global peers.
The average dividend payout ratio of domestic listed companies over the past 10 years was calculated to be approximately 26%, while the US stock market showed an average dividend payout ratio of 36% over the same period.
Dividend aristocrats in the US and Europe have been increasing their dividends without fail for decades, and their shareholder return policies are generally well-established.
In particular, since there are many global top companies, this can be seen as an opportunity to kill two birds with one stone: stock price increase and dividend growth.

---From "Chapter 5: Practical Guide to Overseas Dividend Investment"

Dividend investing is a core component of a long-term asset management system and the heart of the cash flow asset class for financial freedom.
A good dividend stock is like an orchard.
If you sow the seeds, nurture them, and wait, they will bear fruit every season.
However, when building an orchard, seeds (types), region (currency), and management (life cycle strategies) are important.
These three principles—diversification, life cycle, and global asset allocation—will be the keys to long-term success for dividend investors.
---From "Chapter 6 Portfolio Strategy to Maximize Dividend Income"

Dividend reinvestment is a strategy similar to "windmilling" your savings.
The so-called windmilling of deposits, which is considered essential for domestic financial management, is a method of maximizing the compounding effect by reinvesting the principal and interest in new deposits at maturity.
Likewise, if you reinvest your dividends back into the stock or ETF you receive, you create a structure where dividends generate new dividends, similar to the compounding effect where interest generates more interest.
This method is called the "magic of compound interest," and it has the effect of increasing your assets exponentially over time.
This strategy is particularly useful for long-term investors, as it allows them to generate consistent income through dividends without having to sell assets.

---From "Chapter 7 Maximizing Compound Interest with Dividend Windmills"