You can save 1.5 million won a year just by changing your account settings
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2026년 4월 23일
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Beginning Investing원본 영상을 바탕으로 AI의 도움을 받아 작성했습니다. 원본 영상이 기준입니다.
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원본 영상을 바탕으로 AI의 도움을 받아 작성했습니다. 원본 영상이 기준입니다.
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If you keep cash only in a savings account, its value decreases every month by the inflation rate. If you are an office worker with an annual salary of 50 million won, start by securing your tax refund. By putting 6 million won per year into a Pension Savings Fund and 3 million won into an IRP, you will receive a 16.5% tax credit during the year-end tax settlement, getting back 1,485,000 won.
The order is as follows:
Following this routine alone is like earning a guaranteed return of over 10% every year. Compound interest grows the longer you leave the money untouched.
If you buy overseas ETFs in a general stock account, 15.4% of your profits are deducted as dividend income tax. However, an ISA account is different. It calculates taxes only on the net profit after offsetting losses against gains. For example, if you earned 10 million won from stock A and lost 6 million won from stock B, you are taxed only on the 4 million won in an ISA. You can save about 1.34 million won in taxes compared to a general account. Based on a 20 million won principal investment, this has the effect of increasing your real return by 6.7%.
The way to use an ISA account is simple:
At this time, you receive an additional tax credit of 10% of the amount transferred to the pension account.
The process of worrying about whether to buy stocks every month only wastes energy. If you set up automatic purchases, you will acquire more shares when the market drops. It is a structure where you buy 10 shares when the stock price is 100,000 won, and 20 shares for the same amount when the price drops to 50,000 won. Your long-term average purchase price naturally drops to 66,000 won.
Complete the automatic purchase settings in your securities app:
Just by reducing the hassle of monthly investment decisions, the probability of quitting midway drops significantly. A system is more accurate than emotions.