Jumping in out of impatience because it seems like everyone else is making money, opening a negative bank account to average down, selling out of anxiety when it rises slightly only to see it soar right after... If you've ever thought, "Why am I the only one like this?", you're not alone. It's something that people in their 30s and 40s in Korea are all going through together right now.
38 trillion KRW : Margin trading for buying stocks with debt, an all-time high (double the 5-year average)
43 trillion won : Balance of negative accounts at the five major banks, the highest in 3 years and 8 months
34.9% : Percentage of people in their 20s and 30s among high-risk households whose debt is at a dangerous level (up 12%p in 4 years)
The numbers are scary, but looking at it differently, it also means this isn't just "your own personal failure." The problem isn't that we are reckless, but that we have never been properly taught.
It is not because you lack skill. It is because the anxiety of "falling behind if I don't buy now" has clouded your judgment. Inmost Investment Advisory is a firm that has provided counsel based on behavioral finance, emphasizing the perspective that 'the greatest factor in loss is not the market, but the investor themselves.'
If you don't know this, you will repeat the same mistakes no matter how good the stocks you find are.
That is why we do not provide specific stocks.
The Inmost 3040 Finance Academy does not tell you to "buy this stock." Instead, we connect scattered financial knowledge into a single flow to help you establish your own standards that can be used for a lifetime.
✔️An eye for reading the market: When you know what season it is, you won't get swept away.
✔️Unshakable Psychology: Once you understand the true nature of FOMO and anxiety, your impatience will disappear.
✔️Tax Savings & Pensions Others Miss: The money you lose by not knowing is greater than the money you earn.
Even with the same retirement pension contributions, returns can vary by up to 39 times depending on how they are managed. It's not a difference in skill, but simply a matter of whether you neglected it or not. The ISA benefits, which only those in the know take advantage of, have become even greater with the system changes this year.
The real difference of this lecture is that it is real-time and interactive. It's not a recorded lecture where you just listen unilaterally; you can ask questions on the spot and get answers immediately. CEO Jang Jae-chang will personally address concerns about your specific situation, such as "In my case...", once every month.
10 sessions will be filled like this.
Lecture 1: Between Surges and Crashes - An Investment Map for Lost 3040s - Opening Thursday, August 6th, at 6 PM
Lecture 2: Crash or Correction - How to Read the Four Seasons of the Market
Lecture 3: The true nature of that feeling that you'll regret it if you don't buy now - Building an unshakable investment mindset
Lecture 4: 100 times more important than picking stocks - Asset Allocation Design
Lecture 5: Direct Investment • Funds • ETFs - Mastering the Right Investment Vehicle for You
Lesson 6: The world beyond stocks protects my account - Mastering interest rates, REITs, and commodities all at once
Lecture 7: 2026 Super ISA • Pension Savings • IRP - Taxes are the Yield
Lecture 8: Waking up my dormant retirement pension - The secret behind the 39x yield gap
Lecture 9: The Year of National Pension Reform - Redrawing My 3-Tier Pension
Lecture 10: Beyond the Illusion of Monthly Dividends - Completing Your Own Cash Flow Map
As you listen to the lecture, you might think, "Isn't asset management or financial education only for wealthy individuals with money?" In fact, the opposite is true. Unlike wealthy individuals who have the capacity to recover from a single mistake, for the middle class, a single decision can shake their entire retirement. That is why proper asset management is more desperate for the middle class than for the wealthy. This is also why Inmost Investment Advisory advocates for middle-class asset management.
For the middle class, investment education is not a luxury, but a seatbelt for retirement.
In particular, 2026 is the year when the ISA and pension systems will change, and I believe that society as a whole becomes healthier only when the middle class can prepare for their own retirement.
From an interview with Jang Jae-chang, CEO of Inmost Investment Advisory,
Inmost is an advisory firm that advocates for middle-class asset management. Because we believe that the 3040 generation not collapsing financially is ultimately the fundamental strength for all of us, we are opening this course as a talent donation.
✔️ Target: 3040 generation who want to establish investment principles
✔️ Schedule: Starting August 6th, every first Thursday of the month at 6 PM (10 sessions in total)
✔️ Method: Zoom live lecture + Q&A
✔️ Cost: Free (talent donation), but limited capacity
