{"product_id":"134284","title":"Start investing in your pension right now. ","description":"\u003ccenter\u003e\u003cdiv style=\"text-align:center\"\u003e\u003cimg src=\"https:\/\/tmgdisk01.cafe24.com\/images\/vs\/4172\/sv\/3jYC5OnS57W4KIvO0FoR6BzxY7REJn.png?v=1765096750\" style=\"max-width:100%;max-height:10px\"\u003e\u003c\/div\u003e\u003c\/center\u003e\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\u003ccenter\u003e\n\n\u003cdiv style=\"width:95%\"\u003e\n\n\u003cdiv style=\"text-align:center;font-size:30px;font-weight:bolder;line-height:1.6em\"\u003e Start investing in your pension right now. \u003c\/div\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003cdiv style=\"border-bottom:1px;border-bottom-style:dotted;border-color:;padding-bottom:20px\"\u003e\u003ccenter\u003e\u003ctable align=\"center\" width=\"100%\"\u003e\u003ctbody style=\"border:0px\"\u003e\n\n\u003ctr\u003e\u003ctd align=\"center\" style=\"line-height:1.2em;text-align:center;font-size:18px;color:black;font-weight:bold;padding-bottom:20px;\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\n\n\u003ctr\u003e\u003ctd style=\"text-align:center\"\u003e\u003cimg src=\"https:\/\/image.yes24.com\/goods\/139705925\/XL\" style=\"max-width:100%;height:auto\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\u003c\/table\u003e\u003c\/center\u003e\u003c\/div\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003cdiv style=\"width:95%;{split_style6}padding-top:20px;padding-bottom:20px\"\u003e\n\n\u003cdiv style=\"text-align:left;font-size:16px;font-weight:bold;padding-bottom:20px\"\u003e Description \u003c\/div\u003e\n\n\u003cdiv style=\"text-align:left;word-break:break-all;font-size:14px;line-height:1.6em;\"\u003e\n\n\u003cdiv\u003e\u003ch5\u003e \u003cb\u003eBook Introduction\u003c\/b\u003e\n\u003c\/h5\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\u003cdiv\u003e \u003cb\u003e***Highly recommended by Korea's top economist, Dr. Hong Chun-wook!***\u003cbr\u003e\u003cbr\u003e The secret to making 100 million won with 300,000 won a month!\u003cbr\u003e An easy-to-follow asset allocation investment portfolio for even beginners: Full disclosure.\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e A realistic and safe pension investment method that starts right now\u003cbr\u003e\u003cbr\u003e “For a successful retirement plan or to buy a home, we recommend investing in asset allocation right now. \u003cbr\u003e(…) However, I think it has a great advantage in that it can record annual performance of 6-8% instead of suffering losses once every 10 or 5 years.\u003cbr\u003e \"\u003cbr\u003e _From the recommendation of 'Hong Chun-wook'\u003cbr\u003e\u003cbr\u003e The author opened his eyes to asset allocation investing by signing up for pension savings to receive tax-free benefits.\u003cbr\u003e By consistently paying 300,000 won every month, I was able to save money, and this money became the basis for my investments.\u003cbr\u003e \"Start Investing in Pensions Now\" will serve as a guide for those who want to understand what pension investing is and those who are unsure how to begin.\u003cbr\u003e It provides strategic guidance on how to utilize pension products and how to diversify your investments.\u003cbr\u003e The detailed pension investment strategies and asset allocation methods, especially for beginner investors, will make you want to open a pension account and put them into practice right away. \u003cbr\u003eThis book provides practical investment methods that anyone can easily follow, and guides you through the safest and most reliable shortcuts to increasing your assets.\u003cbr\u003e This is an introductory book for those new to pension investing, and an essential guide for those seeking a systematic and efficient investment strategy.\u003cbr\u003e\n\n\u003c\/div\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cul\u003e\u003cli\u003e You can preview some of the book's contents.\u003cbr\u003e \u003cspan\u003ePreview\u003c\/span\u003e\n\n\u003c\/li\u003e\u003c\/ul\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbr\u003e\u003cdiv\u003e\u003ch5\u003e \u003cb\u003eindex\u003c\/b\u003e\n\u003c\/h5\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e Recommendation: 14-Year Veteran's Guide to Asset Allocation and Investment Success (Part 4)\u003cbr\u003e Prologue: 11 Financial Solutions for Every Generation\u003cbr\u003e\u003cbr\u003e \u003cb\u003ePart 1: My 10 Years of Investing\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e Start with savings and funds 23\u003cbr\u003e Start investing in stocks with 20 million won 28\u003cbr\u003e Settling into Dividend Investing 32\u003cbr\u003e Start saving in your pension account 36\u003cbr\u003e ▶ What the Rule of 72 Means for Asset Allocation Investors 39\u003cbr\u003e\u003cbr\u003e \u003cb\u003ePart 2: The Mindset You Need Before Investing in Asset Allocation\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e Portfolio Theory 45\u003cbr\u003e The 6 Rules of Asset Allocation Investing 46\u003cbr\u003e Ultimately, it's for 'me' 50  \u003cbr\u003eThe optimal age for asset allocation investing is 54.\u003cbr\u003e A ridiculous amount of 3 billion? 57\u003cbr\u003e ▶ What if I want to deposit more than the tax deduction limit into my pension account? 62\u003cbr\u003e\u003cbr\u003e \u003cb\u003ePart 3: Investing Safely with Tax-Advantaged Accounts\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e Accounts, no more confusion 67\u003cbr\u003e Pension savings must be in the Pension Savings Fund 71\u003cbr\u003e Pension Savings vs. IRP 75\u003cbr\u003e Pension Savings vs. ISA 77\u003cbr\u003e How much should I deposit into each account? 80\u003cbr\u003e ▶ Is DB more advantageous? Or is DC more advantageous? 82\u003cbr\u003e\u003cbr\u003e \u003cb\u003ePart 4: Principles of Asset Allocation to Increase Your Wealth\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e The basic unit of portfolio composition: asset (group) 89\u003cbr\u003e Fundamental Combinations, Bonds, and Stocks 95\u003cbr\u003e Traditional Asset Allocation 100\u003cbr\u003e The Five Principles of Asset Allocation 106\u003cbr\u003e What is rebalancing? 119\u003cbr\u003e ▶ Do I need to rebalance even if my account is in blue? 124\u003cbr\u003e\u003cbr\u003e \u003cb\u003ePart 5: Listed Index Fund (ETF) Investment Strategies\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e ETFs are the grandchildren of funds 129\u003cbr\u003e Understanding ETFs to Trade 139\u003cbr\u003e 153 Reasons Why ETFs Are a Blessing for Asset Allocation Investors\u003cbr\u003e 154 Essential ETF Conditions for Asset Allocation Investors\u003cbr\u003e Comparison of ETFs 160 \u003cbr\u003eWarren Buffett and Hedge Fund's 10-Year Return Bet 171\u003cbr\u003e\u003cbr\u003e \u003cb\u003ePart 6: How Much Can You Realistically Achieve?\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e A Look at My Assets 177\u003cbr\u003e Why You Need a Pension 179\u003cbr\u003e 180 when you pay the money and get called out\u003cbr\u003e 183 When withdrawing money from pension\u003cbr\u003e\u003cbr\u003e Epilogue: A Brief History of the Ultra-Low Interest Rate Era, Part 188\u003cbr\u003e Indirect Investment in Asset Allocation through Appendix Investment Advisory Services 193\u003c\/div\u003e\n\u003cdiv\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbr\u003e\u003cdiv\u003e\u003ch5\u003e \u003cb\u003eDetailed image\u003c\/b\u003e \u003c\/h5\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cdiv\u003e\u003cimg src=\"https:\/\/image.yes24.com\/momo\/TopCate5017\/MidCate009\/501684499.jpg\" border=\"0\" alt=\"Detailed Image 1\"\u003e\u003c\/div\u003e\u003c\/div\u003e\n\u003cbr\u003e\u003cdiv\u003e\u003ch5\u003e \u003cb\u003eInto the book\u003c\/b\u003e\n\u003c\/h5\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e Looking back to 2011, when I first joined the company, the interest rate on a 3-year savings account was in the mid-5% range.\u003cbr\u003e At the time, the interest rate was not satisfactory.\u003cbr\u003e I mainly only saved for one year because I was worried about whether I could keep it there for three years.\u003cbr\u003e Of course, I regret it now very much.\u003cbr\u003e As time went on, we experienced ultra-low interest rates from 2020 to 2022, when the COVID-19 pandemic was at its peak.\u003cbr\u003e The expression 'zero interest rate' was also used to mean close to 0%. \u003cbr\u003eIn some countries, such as Europe and Japan, 'negative interest rates' have emerged.\u003cbr\u003e As I was saving in a situation where interest rates were gradually decreasing every year, I didn't earn much interest, but I also saved up seed money through savings at first.\u003cbr\u003e --- p.24, from “Start with Savings, Time Deposits and Funds”\u003cbr\u003e\u003cbr\u003e Asset allocation investing already has ample theoretical and empirical evidence, and has even become an established academic discipline in the United States.\u003cbr\u003e So, I am confident that if I consistently follow the strategy I have chosen without any doubts, I will eventually be able to achieve a certain level of success.\u003cbr\u003e However, if I were to recommend asset allocation investing to someone else, there are two main points I would like to convey first.\u003cbr\u003e It is an investment method that 'everyone should do', but 'not an investment that everyone can do'.\u003cbr\u003e --- p.45, from “Portfolio Theory”\u003cbr\u003e \u003cbr\u003eWhen investing, it is necessary to look back at 'me', the one who makes the investment-related decisions and carries them out.\u003cbr\u003e No matter what strategy, when, what asset or stock you invest in, or how much you invest.\u003cbr\u003e Some people say that it is okay to lose it because it is a small amount or because it is money received as an incentive.\u003cbr\u003e While I may be okay with labeling money for income or consumption, I am against labeling money for investment.\u003cbr\u003e There is no such thing as money that can be lost in the first place.\u003cbr\u003e --- p.51, from “In the end, it’s for ‘me’”\u003cbr\u003e\u003cbr\u003e The reason you should start with pension savings, IRPs, and ISAs first is because of the tax deductions (on contributions) and tax benefits (on earnings).\u003cbr\u003e If you invest in a general account, there is no tax deduction, and you will have to pay various taxes (capital gains tax or dividend income tax) on the profits realized from investments in the account. \u003cbr\u003eHowever, tax-advantaged accounts have a deferral effect that allows you to avoid or postpone paying taxes.\u003cbr\u003e It may not seem like much, but when comparing the returns of a regular account and a tax-advantaged account, even if you make the same trades with the same portfolio, the difference in returns can be as much as 0.8-1.0% per year.\u003cbr\u003e --- p.69, from “Accounts, Let’s Not Get Confused Anymore”\u003cbr\u003e\u003cbr\u003e The first things to consider when adding assets are bonds and stocks.\u003cbr\u003e These two can be likened to the two major chicken brands: fried and seasoned.\u003cbr\u003e The reason we consider these two assets first is because their asset markets are large and therefore easily accessible (the bond market is larger than the stock market).\u003cbr\u003e In a word, it is popular.\u003cbr\u003e In the asset markets, the word \"popular\" usually has more positive connotations than negative ones. \u003cbr\u003eBecause it means more people can invest, at lower cost, with easier procedures, and with more options.\u003cbr\u003e Of course, you can obtain more information necessary for investment.\u003cbr\u003e --- p.95, from “Fundamental Combinations, Bonds and Stocks”\u003cbr\u003e\u003cbr\u003e There is a joke that Westerners sometimes throw out with resignation.\u003cbr\u003e That is, “Death and taxes are inevitable.”\u003cbr\u003e The same goes for risk.\u003cbr\u003e Not only asset allocation, but also investments as a whole show this tendency.\u003cbr\u003e If you pursue higher returns, you must also accept increased risk, including the possibility of losing your principal.\u003cbr\u003e There can be no increase in expected return 'without' an increase in risk.\u003cbr\u003e --- p.117, from “The Five Principles of Asset Allocation”\u003cbr\u003e\u003cbr\u003e For those of us who want to invest in asset allocation, I would say that it is sufficient to consider only basic ETFs and blended ETFs. \u003cbr\u003eIn particular, I believe that the basic ETF containing one index (underlying asset) best represents the essence of this product.\u003cbr\u003e Diversification can be achieved by holding multiple types of underlying ETFs, preferably those based on correlated assets.\u003cbr\u003e\n\n\u003c\/div\u003e\n\u003cdiv\u003e --- p.146, from “Understanding ETFs to Trade”\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbr\u003e\u003cdiv\u003e\u003ch5\u003e \u003cb\u003ePublisher's Review\u003c\/b\u003e\n\u003c\/h5\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e \u003cb\u003eNow, even office workers can grow their assets through pension investments!\u003cbr\u003e The surest way to achieve financial freedom is through asset allocation investing.\u003cbr\u003e\u003cbr\u003e Build your assets with a pension and prepare for the future!\u003cbr\u003e A Miracle Pension Investment Strategy for Everyone, From Fresh Graduates to Pre-Retirees\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e Everyone knows that you can't become a billionaire just by diligently saving your monthly salary.\u003cbr\u003e Some people make money by investing in stocks and others in coins, but the dream of owning a home is becoming increasingly distant.\u003cbr\u003e The reality is that it is difficult to prepare for retirement with just one's main income. \u003cbr\u003eAccordingly, the author strongly recommends ‘pension investment’ and ‘asset allocation investment’ as preparation for retirement.\u003cbr\u003e The initial seed money the author had was only 20 million won.\u003cbr\u003e It has not wavered even through 10 years of turbulent economic market.\u003cbr\u003e Rather, he said that he felt at ease thanks to his pension investment even in an unstable situation.\u003cbr\u003e So, starting with 20 million won, we reached 1 billion won.\u003cbr\u003e It was the result of executing the strategy “steadily, faithfully, and without doubt.”\u003cbr\u003e \"Start Investing in Your Pension Now\" offers practical investment strategies for everyone, from working professionals seeking stable asset growth with limited funds to those preparing for retirement.\u003cbr\u003e I hope you start investing in your pension right now and have a stable future.\u003cbr\u003e\u003cbr\u003e \u003cb\u003eMaximize your profits and minimize your risks!\u003cbr\u003e Miracle pension investment that makes a lot of money with a little money\u003cbr\u003e\u003cbr\u003e Pension savings, ETFs, IRPs, ISAs…\u003c\/b\u003e  \u003cbr\u003eAn investment roadmap that captures both compound interest and tax savings.\u003cbr\u003e\u003cbr\u003e The first and foremost advantage of pension investing is that you don't have to 'study' investing.\u003cbr\u003e If you deposit 300,000 won every month without having to study the essential investment methods such as stocks and bonds, your assets will grow on their own.\u003cbr\u003e If you save small amounts of money, it will soon become a large sum of money.\u003cbr\u003e This is the great advantage of pension investing.\u003cbr\u003e Moreover, the benefits of pension investing do not lie solely in compound interest.\u003cbr\u003e Modern people with income can even take advantage of the essential 'tax savings' benefits.\u003cbr\u003e Pension accounts offer tax deductions of up to 9 million won per year, so this is also a way to make money.\u003cbr\u003e Especially if you are a salaried worker with a large monthly budget, I hope you will choose this book without hesitation.\u003cbr\u003e The earlier you start investing in pensions, the greater the returns you can generate. \u003cbr\u003eThe author says that if you consistently pay even a small amount every month, you will definitely achieve financial freedom.\u003cbr\u003e If you consistently and faithfully implement your investment strategy, the opportunity for financial freedom will present itself at some point. \u003cbr\u003e\n\n\u003c\/div\u003e\n\u003cdiv\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\n\u003c\/div\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003cdiv style=\"width:95%;padding-top:20px;padding-bottom:20px\"\u003e\n\n\u003cdiv style=\"text-align:left;font-size:16px;font-weight:bold;padding-bottom:20px\"\u003e GOODS SPECIFICS \u003c\/div\u003e\n\n\u003cdiv style=\"text-align:left;font-size:14px;line-height:1.6em;\"\u003e\n\n\u003cdiv style=\"width:100%;margin-bottom:5px;line-height:1.6em;font-size:14px\"\u003e - \u003cstrong\u003eDate of issue:\u003c\/strong\u003e December 4, 2024\u003c\/div\u003e\n\n\u003cdiv style=\"width:100%;margin-bottom:5px;line-height:1.6em;font-size:14px\"\u003e - \u003cstrong\u003ePage count, weight, size:\u003c\/strong\u003e 208 pages | 354g | 145*215*15mm\u003c\/div\u003e\n\n\u003cdiv style=\"width:100%;margin-bottom:5px;line-height:1.6em;font-size:14px\"\u003e - \u003cstrong\u003eISBN13:\u003c\/strong\u003e 9791193584903\u003c\/div\u003e\n\n\u003cdiv style=\"width:100%;margin-bottom:5px;line-height:1.6em;font-size:14px\"\u003e - \u003cstrong\u003eISBN10:\u003c\/strong\u003e 1193584906 \u003c\/div\u003e\n\n\n\u003c\/div\u003e\n\n\n\u003c\/div\u003e\n\n\n\u003c\/div\u003e\n\n\u003ccenter\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003ccenter\u003e\u003ctable\u003e\u003ctr\u003e\u003ctd style=\"height:10px\"\u003e\u003c\/td\u003e\u003c\/tr\u003e\u003c\/table\u003e\u003c\/center\u003e\n\n\u003cspan\u003e\u003c\/span\u003e\n\n\u003c\/center\u003e\n\n\n\u003c\/center\u003e","brand":"LIBRAIRIE COREENNE","offers":[{"title":"Default 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