introduction

Part 1: Preparing for Retirement: Change Your Thinking Now

01 The best retirement is a life without retirement.
A mere 2 million won a month? It's like winning the lottery in retirement.
2 Worst Retirement Goals: Becoming a FIRE Tribe at 40
3. If you delay retirement by just 5 years, you'll have 300 million won.
4 Retirement is not an end, but a new beginning.

02 A poor old age is not a coincidence.
It's not that I don't have money, I just don't have the 'heart' to prepare.
2. It'll work out somehow. I'll end up poor somehow!
3 Your paycheck will definitely stop

03 A poor future created by small happinesses
1. Consumption makes you happy.
Will accumulated consumption make us happy?
2 The illusion that 'it's okay because it was a good experience'
3. Did I do this consumption? Or did someone else tell me to do it?
4 Do you want to do well? Do you want to brag?
5. Smart spending creates a happy retirement.

04 A happy retirement awaits you if you change just two things about your thinking.
1 Investing in your children makes them poor.
2 Is it okay to spend your life in one apartment?

After Part 1 - Investing without mindset and habits is an illusion.

Part 2: Preparing for Retirement: The Basics of Receiving a Large Pension

STEP 1: Worry-Free Retirement
05 Facing the Reality of Aging_Financial Caution
Can you live on 2 million won in retirement? Let's calculate it now.
2 All retirement savings calculations up to now have been wrong.
3 National Pension: Can We Really Trust It?
4. Understanding Non-Working Aging Devices and Retirement Pensions
The three-tier pension structure is already collapsing.

STEP ② for a worry-free retirement
06 Let's start by growing the pension we already have_Pension Maintenance Project
1. Which is the better choice for a full-time housewife: National Pension or Private Pension?
2. How to wake up your dormant retirement pension (physical transfer, default option)
3. The last card to receive pension at home: Understanding and using housing pension

STEP 3: Worry-Free Retirement
07 Let's learn about private pensions that you can lose out on if you don't know about them.
1. Differences in personal pension, tax benefits, and management methods
2. Pension Savings vs. IRP: Simply Changing the Order Can Increase Your Retirement Funds
3. The Pitfalls of Tax Credits: Why Pensions Are Hit with Tax Bombs
4 Ways to Wake Up Your Sleeping Private Pension: The Pension Transfer System
5 Pension Savings Accounts: Why Create Two?

Step ④ for a worry-free retirement
08 These days, people prepare for retirement with ETFs.
1 The most innovative financial invention of the 21st century: ETFs
6 Reasons to Choose ETFs Over Funds
3. Know and Save. Understanding ETF Taxes and Tax-Saving Strategies
4. If you're not confident in your investments, try "autonomous investing" with TDFs.
5 Things You Need to Know Before Investing in ETFs

Step ⑤ for a worry-free retirement
09 I can be like the building owner.
Pension income generated from dividends
1 They give you money like a salary in stocks?
If you're having trouble choosing dividend stocks, try Monthly Dividend ETFs.
3. Invest 100 million won and get 1 million won a month? The allure and pitfalls of covered call ETFs.
4 I invest 5,000 won in a building and receive monthly rent.

Step ⑥ for a worry-free retirement
10 Successful Retirement Savings Formulas
1 Rules for Successful Retirement Investment: More, Faster, Higher
2. Retirement savings that can be completed with 10% of your income
3. If you're afraid of investing, start with 'accumulation investing.'
4 Rebalancing Strategies Unswayed by Greed and Fear
5 Strategies for Saving for Retirement Using US Stocks Without Fail
Dividends or Growth? Which investment style is right for you?

Step ⑦ for a worry-free retirement
11 Two Hidden Problems That Make Old Age Poor
1. Effective ways to prepare for old age, which is crushed by medical expenses.
2. The lure of entrepreneurship and high profits destroys retirement.

Part 2 is over - now it's time to move beyond 'thinking' to 'practicing'

From the mindset for retirement preparation to a true introduction to retirement preparation!

When we say 'preparing for retirement', many readers will immediately think of financial planning.
But just as you don't fail at dieting because you don't know how to do it, the same goes for 'preparing for old age'.
It emphasizes the need for a change in consciousness, saying, "Thoughts must change for actions to change, and actions must change for the future to change."
So, what kind of thinking should we change first?

The author, who has accumulated experience and know-how in financial consulting and asset management as an asset manager, first introduces the best retirement as a 'life without retirement.'
This may sound like a bolt from the blue to many readers who dream of early retirement, like the 'FIRE Tribe'.
However, if you change your perspective on 'work', it will be easier to envision a future without worrying about money in old age.
It is difficult to predict a stable retirement in the future simply based on pension or savings.
In addition to early retirement applicants who dream of becoming a member of the 'FIRE Tribe', we provide a customized 'work' mindset for future retirees who dream of a stable retirement.
This book, which emphasizes the need for regular earned income, also introduces the importance of living a life doing what you love, beyond simply extending your working hours.

If your basic awareness has changed, I recommend that you now seriously examine how you are planning for retirement.
Have you ever considered the size of your current spending and whether you're consistently saving or depositing money? I encourage you to objectively assess your spending, along with a vision of what your retirement will look like in 20 to 30 years.
In the second half of life, changes in consciousness for old age start with small things.
Rather than asking, "How can I make money through financial investment?", this book will guide readers to clearly define their retirement goals.


Practical Strategies for Retirement: The Ultimate Guide to Receiving a Large Pension

Part 1 covered the changing mindset around 'preparing for retirement', while Part 2 introduces the fundamentals of how to receive a large pension, a topic everyone is curious about.
If you start by setting a standard for how much living expenses you will need after retirement, the vague and fearful feelings you had about 'old age' will be greatly alleviated.
Part 2 begins with calculating the expenses to be used after retirement, and introduces the characteristics and types of pensions, tax benefits, and various financial products, for readers who want to learn about retirement financial management techniques.

The National Pension, a public pension that all Korean citizens with income must subscribe to, the retirement pension that all workers have, and even the personal pension that can be saved through financial investment.
These are the retirement funds that we have naturally accumulated throughout our lives.
This explains the parts of pensions you may have been curious about, such as how much national pension you have paid so far and how much you can receive in the future, what difference voluntary national pension subscription can make for housewives and freelancers, where retirement pensions are managed and what the rate of return is.


And there are individual pensions with different tax benefits, management methods, and names.
We will explain the representative types of personal pensions, such as pension savings accounts, IRPs, and pension insurance, and introduce the differences in tax benefits and management methods.
It also explains how to increase the size of retirement funds by using the difference in returns based on pension savings and IRP investment ratios.
The most effective way to prepare for retirement is to have sufficient pension savings.
I recommend using this book to build the framework for your pension portfolio, which will be an important standard for retirement funds.

Now, financial planning is essential for retirement planning!

At one time, savings and insurance were considered representative methods of preparing for retirement.
Because there weren't many options and principal protection was the top priority, burying money in banks and insurance companies was considered the 'standard' way.
But now it's different.
We live in an age where if you don't invest, you'll become poorer.
We introduce ETFs, TDFs, REITs, and dividend stocks to satisfy the curiosity of readers who want to know about various financial products to invest in.

In particular, ETFs have grown rapidly since their initial launch in the United States, and the global ETF asset management scale currently exceeds $12 trillion.
There are over 900 ETFs listed in Korea, establishing themselves as a major trend in the investment market.
These ETFs remain popular today and are gaining attention as a retirement investment strategy.
We've carefully selected content to serve as a friendly first guide for readers who are still novice investors and feel hesitant to overcome the first hurdle of investing.
I hope this book will serve as a starting point for you to dream of a secure and worry-free retirement.