ISA계좌 100%활용법! 안정적 수익률 만들기

Summary

The video script discusses various aspects of ISA (Individual Savings Account) accounts, emphasizing the importance of considering trading volume and low fees when investing. The speaker, an economist with 31 years of experience, recommends a diversified investment strategy for older individuals, including ISA accounts, and suggests investing in index funds like the S&P 500. The script also addresses portfolio diversification, the potential of investing in emerging markets like Indonesia, and the risks associated with relying solely on dividend stocks. The speaker advocates for a 'TAMAD' strategy, which offers a balance of dividends and capital gains, aiming for a return of over 6-7%.

Takeaways

• 😀 The speaker introduces various types of ISA (Individual Savings Account) and recommends the intermediary type for its flexibility.
• 🤔 The speaker emphasizes the importance of considering both trading volume and low fees when choosing investments.
• 📈 The speaker suggests a '3-part investment strategy' involving Korean stocks, US dollar deposits, and investments in the S&P 500 or NASDAQ 100.
• 💡 When investing in index funds, it's crucial to look for brands with high trading volume and low fees, such as Tiger or KODEX.
• 🌐 The speaker discusses the potential of investing in emerging markets like Indonesia but also highlights the risks and uncertainties.
• 🔍 The speaker advises caution with investments in dividend-paying stocks, citing the unpredictability of such investments.
• 🚫 The speaker is against putting most of one's assets into dividend stocks due to the risk of disappointment from the companies' performance.
• 🏦 The speaker mentions the 'Tramood Strategy' as an alternative to relying solely on dividends, which can provide a steady 5% return.
• 💰 The 'Tramood Strategy' includes investments in U.S. real estate investment trusts (REITs), Korean dividend stocks, and infrastructure companies.
• 🌟 The speaker highlights the potential for capital gains in addition to dividends, suggesting a total return of over 6-7% is achievable with careful investment.
• 🤝 The speaker concludes by thanking the audience for their attention and participation, indicating the end of the discussion.

Q & A

What are the different types of ISA accounts mentioned in the transcript?

The transcript mentions three main types of ISA accounts: the intermediary type, the trust type, and the lump sum type. However, the speaker does not recommend the trust and lump sum types and instead suggests using the intermediary type ISA account.

Why does the speaker recommend the intermediary type ISA account over others?

The speaker recommends the intermediary type ISA account because it allows for a diverse range of assets to be included, similar to stocks, providing flexibility in investment.

What is the investment strategy suggested for older individuals in the transcript?

The suggested strategy for older individuals is to invest in asset management comprehensive accounts, focusing on long-term, less aggressive investment approaches to ensure financial stability.

What are the two key factors to consider when investing in ISA accounts according to the transcript?

The two key factors to consider are sufficient trading volume and low fees. The speaker emphasizes that while both are important, a higher trading volume is slightly more preferable.

What is the 'Investment 3-Part Method' mentioned in the transcript?

The 'Investment 3-Part Method' refers to dividing investments into three parts: one part in Korean stocks, one part in US dollar deposits, and the remaining part in US S&P 500 or NASDAQ 100 investments.

What are the recommended ETF brands for S&P 500 investments mentioned in the transcript?

The recommended ETF brands for S&P 500 investments include Mirae Asset, Samsung Asset Management's ACE, Korea Investment, and Hana Financial Investments.

What is the speaker's view on investing in Indonesian markets?

The speaker is uncertain about investing in Indonesian markets due to concerns about the country's education system and the citizens' desire to become wealthy, as well as the effectiveness of its economic policies and foreign investment environment.

What is the speaker's opinion on dividend-focused investment strategies?

The speaker is against relying solely on dividend-focused investment strategies, citing the unpredictability of dividend stocks and suggesting a more diversified approach instead.

What alternative strategy does the speaker recommend instead of relying on dividends?

The speaker recommends a 'de-mood' strategy, which involves investing in a mix of assets such as US real estate investment trusts (REITs), Korean dividend stocks, and infrastructure-related stocks to achieve a balance of dividends and capital gains.

What is the potential annual return of the 'de-mood' strategy according to the speaker?

The speaker suggests that the 'de-mood' strategy could yield an annual return of around 5% in dividends and potentially more in capital gains, considering the compounding effect and occasional currency exchange rate fluctuations.

What is the speaker's view on the importance of family peace in the context of investment decisions?

The speaker emphasizes the importance of family peace, suggesting that during difficult times such as divorce, having a stable income from investments can be beneficial and provide a sense of financial security.