"Your account's returns are determined by the system."

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Investment system built by Hanstep

*** Naver Blog of the Month 2020, 2022 ***
*** CEO Hong Jin-chae strongly recommends KBS's "Success Premonition" ***

The era of 15 million domestic stock investors.
However, according to a survey conducted by financial institutions, when calculating the average returns of individual investors, most of them fell short of expectations.
This is because individual investors rush to invest in the wake of positive rumors or look for opportunities to buy at low prices rather than realize profits.
Investing based on others or uncertain information is not only difficult to sustain, but can ultimately lead to significant losses.
Investors who are obsessed with how cheap they bought the stock or the purchase price will miss the right time to sell and fail to see profits.


The author of this book, Han Geul-eum, has included in this book a 'system that is bound to make money' that he has built after much trial and error.
Even though I am a working person, I organize investment information and insights and post them on my blog every day. With the profits I have accumulated over the past six years, I have been able to buy my own home and achieve returns of over 16%.
The author emphasizes that since working people have less free time, they need to establish a 'routine and system' to recover their accounts and generate profits.
By following the author's detailed daily routine, record keeping format, and market indicators, you can build an investment system that's tailored to you, not someone else's.
In addition, it is full of investment methods specifically for working investors, such as 'Money Management Methods to Increase Investment Profit and Loss' and 'Investment Methods for Working People Who Really Don't Have Time.'


Invest based on the information and knowledge you have digested, not on the information and noise given by others.
Ultimately, investment is done by individuals and they are solely responsible for their own profits and losses.
If you succeed, your profits will increase, and even if you fail, your experience points will increase.
Through this book, let's build our own investment system rather than following someone else's.
Not only will your returns increase, but your perspective on the world will also improve, and your investments and life will reach their highest values.

Most office workers receive a monthly salary of 2 to 3 million won, or as much as 5 million won.
Since the rate of salary increase is similar to or slightly higher than the rate of inflation, the value of money can be considered to be roughly the same from now until retirement.
This can help predict the future of wage earners.
In other words, if a worker relies solely on earned income, it is possible to calculate how much money he or she can save in the future.
And most of them end like this.
“Oh, I can never be rich.”
--- p.9, from "Prologue"

Because people often appear on social media claiming to have earned hundreds of millions or even billions of won, it seems like people don't really understand the value of assets in the hundreds of millions.
It is true that this is the era with the most 'many' ways to make money since Dangun, but it is not the 'easiest' era.
There has never been an era in which everyone makes money, and there never will be one in the future.
Wealth belongs only to those who are dedicated to its success, and even if there is money in the world that seems blind, no one will put it in your pocket.
--- pp.26-27, from “Chapter 1: Why Do My Investments Always End in Failure”

In the world of investing, where luck plays a big role, success isn't determined by skill.
The reason why it is often said that there are no formulas in the world of investment, only phenomena, is because it is a nonlinear (complex system) that is difficult to predict due to the various participants and events.
Therefore, if you decide to increase the element of luck, you must design a structure that allows for repeated betting.
Since I can't increase my odds of winning by trying, I have to keep trying until I succeed, even if it's just once.

--- pp.34-35, from “Chapter 1: Why Do My Investments Always End in Failure”

One thing that is clear is that no one has ever succeeded in investing by simply listening to what others say, regardless of the investment method.
Therefore, we must cultivate the ability to judge information and develop the capacity to invest sufficiently with publicly available information to make our own investment decisions.
--- p.65, from “Chapter 1: Why Do My Investments Always End in Failure”

If you have to do something anyway, it is easiest and most efficient to break down the goal and do it every day, and it is more difficult to do it all at once.
This power of repetition is also evident in investing.
Many people envy the 'investment sense', and unlike the innate 'message' mentioned above, it is possible to develop investment sense through repetition and mastery in investing.
--- p.76, from “Chapter 2: The Investment System, Not Will, Determines Profit and Loss”

The world of investing is a no-holds-barred competition where there is no distinction between professionals and amateurs, and it is not a place where preparation in advance can lead to perfection.
Therefore, in this world of investing, you must learn how to minimize your losses even if you fail, just as you must learn how to minimize your injuries when you fall while skiing.
The most important thing in investing is to experience as many different investment methods as possible and find your own unique style through them.
That's why we need to design and experiment with an agile approach that involves rapid testing and feedback.
It is completionism rather than so-called perfectionism.
Rather than trying to do it perfectly all at once, you should gradually improve your skills by completing several small investments and gaining experience.
--- pp.99-100, from “Chapter 2: The Investment System, Not Will, Determines Profit and Loss”

We habitually put off doing things we know we need to do, using the excuse of having too little time or needing a break.
Let's piece together these postponed moments.
If you've been managing your time inefficiently, just collecting these hours will add up to at least an hour to an hour and a half to your day.
Just like the seed money needed for investing, the time saved this way becomes the most basic 'seed time' for studying investment.
--- p.135, from “Chapter 3: Essential Routines for Working Investors for Real Life”

People say they don't have enough time.
But no one achieves results because they have too much time to spare.

--- p.140, from “Chapter 3: Essential Routines for Working Investors for Real Life”

I have compiled and listed the main keywords and data related to value indicators and psychological indicators.
Next, I considered whether any of these indicators were ones I had frequently looked at or referenced in the past, and added technical indicators, including those that had particularly influenced my trading or investment psychology.
The final selected indicators are as follows:

--- p.172, from “Chapter 3: Essential Routines for Working Investors for Real Life”

Even among the most bullish companies, and even among investors in the bullish US index, there are always losers.
While stock selection and market selection are important, success or failure ultimately depends on fund management.
Among the money management methods, I will introduce three that are relatively easy to learn and follow.

--- p.193, from “Chapter 4 If you want to break out of stagnation and leap higher”

Despite knowing the importance of holding cash, too many investors fail to manage their cash holdings.
This is because they mistakenly believe that cash flow management is possible through 'will'.
However, it is also important to manage this ‘cash ratio’ at a fixed rate.
If the investment amount is small (less than 100 million won), you can easily manage the cash ratio at a fixed level with simple measures.
Here are some cash management tips that working investors can immediately apply.

--- pp.204-205, from “Chapter 4 If you want to break out of stagnation and leap higher”

There are ways to make money quickly and ways to make money easily, but there is no way to make money quickly and easily.
(As always, financial fraud lures the public under the guise of a 'quick and easy way for anyone to make money.') So, what are the investment methods that require relatively less time and effort, and what are their characteristics?
--- p.219, from “Chapter 4 If you want to break out of stagnation and leap higher”

Just as time is the friend of a great company and the enemy of a mediocre one, so too are investors.
This widening gap presents an investment opportunity for good investors, but it can also be a loss for bad investors.
Therefore, let's first aim to create a successful case study of Jeongbalsang investment with our own investment ideas.
It's not too late to try contrarian investing after you've gained experience as an investor.

--- p.236, from “Chapter 4: If you want to break out of stagnation and leap higher”