부동산 투자 대신 연배당금 4000만원 받는 40대 12억 주식 포트폴리오 공개[싱글파이어]

Summary

The speaker, a 14-year corporate professional, discusses their financial journey, focusing on investments in dividend stocks and asset allocation over the past decade. They manage a portfolio worth 12.5 billion KRW, primarily in stocks, with an emphasis on dividend-producing companies like DN Automotive and global firms. The speaker shares insights into the challenges and successes of building passive income, the importance of financial independence, and strategies for managing investments, including regular re-investments and tax-efficient accounts. They also reflect on the evolution of their approach to investing as market conditions change.

Takeaways

• 😀 The speaker manages approximately 1.25 billion KRW in financial assets, primarily invested in stocks, with 98% of the portfolio dedicated to one stock.
• 😀 The speaker has been investing for about 10 years, focusing on dividend stocks and asset allocation strategies, with a steady monthly investment plan.
• 😀 Economic freedom is defined by the speaker as having no debt, owning a personal home, and having enough financial assets to cover living expenses after tax.
• 😀 The speaker considers themselves halfway toward economic freedom, as passive income from dividends is currently sufficient to cover their rent in Seoul.
• 😀 As of now, the speaker has a portfolio of 12.5 billion KRW in financial assets, with 10 billion KRW invested in dividend stocks and 2.5 billion KRW in asset allocation investments.
• 😀 The portfolio also includes a significant position in DN Automotive, with a 98% stake in total investments, and a small portion of Korean and US stocks.
• 😀 Monthly income for the speaker comes primarily from salary, with additional passive income from dividends expected to reach 40 million KRW in 2025.
• 😀 The speaker’s investment journey began in 2014, after reading investment books and gradually transitioning from savings and mutual funds to individual stock investments.
• 😀 Dividend investing is a key strategy for the speaker, who values the regular cash flow from dividends and reinvests them to maximize returns.
• 😀 The speaker faced challenges during the COVID-19 pandemic when dividend investing lost its appeal due to a preference for growth stocks and cryptocurrencies, prompting a shift toward asset allocation investing.

Q & A

What is the individual's main source of investment income?

The individual's main source of investment income comes from dividend stocks and asset allocation investments, with most of the funds allocated to dividend stocks (around 10 billion KRW).

What percentage of their total investment is allocated to stocks?

Approximately 98% of their total investment is allocated to stocks, specifically in the company 'DN Automotive.'

What is their monthly income and how does it relate to their financial situation?

The individual primarily relies on their salary as their monthly income, but the cash flow from dividend stocks and asset allocation investments is sufficient to cover their rent and living expenses.

How much do they earn annually from their investments?

The individual earned approximately 36 million KRW before tax last year, and expects around 40 million KRW this year from financial income, mainly from dividends.

What was their initial investment strategy when they started in 2014?

In 2014, the individual began investing by putting 6 million KRW aside, starting with a focus on dividend stocks and gradually moving towards asset allocation investments.

What was the return rate on their investments in 2020?

In 2020, the individual's net worth surpassed 1 billion KRW, with an annual compound return of about 15%, including dividends.

How does the individual decide when to sell a stock in their portfolio?

The individual considers selling stocks when a company either reduces or stops paying dividends, as this is a negative signal. They also monitor whether the dividends are excessive in relation to the company's earnings.

What factors influence their decision to continue investing in dividend stocks?

The individual continues to invest in dividend stocks as long as the company maintains stable or increasing dividends, as well as ensuring that stock prices rise in tandem with dividends.

What is the impact of interest rates on their investment strategy?

Lower interest rates generally increase the relative value of dividend stocks, as their stable dividend yields become more attractive. However, during the pandemic, people shifted focus to growth stocks and cryptocurrencies, reducing the appeal of dividend stocks.

What tools and strategies do they use to manage their investments?

The individual divides their investments into regular accounts and income accounts for better tracking. They also utilize tax-advantaged accounts such as IRP, pension savings, and ISA accounts to maximize returns and manage taxes effectively.