Investment Guide for Monthly Dividend ETFs for Freedom!

Interest rates are the 'value of money' and are the central axis that moves economic activity and asset prices.

The exchange rate is a variable that directly affects the returns on overseas investments.

Inflation is a key factor in determining real asset values and is closely linked to interest rates.

Stocks are shares that own a portion of a company, and their profits consist of dividends and capital gains.

Bonds are 'debt documents' that are characterized by fixed interest and maturity refunds.

Interest rate changes have a direct impact on bond prices, and the longer the bond, the greater the fluctuations.

Gold is a safe asset that responds to inflation, falling real interest rates, and geopolitical risks.

There are various investment methods such as gold spot (KRX), gold passbook, gold bars, and gold ETFs.

You can predict the direction of the gold price by using leading indicators such as the FTSE Gold Index.

Monthly dividends come from four sources: stock and bond interest, real estate income, and option premiums.

Covered call is a strategy that receives a premium by holding the underlying asset and selling call options, and is advantageous in sideways trading.

The second generation covered call increases the participation rate through OTM, fixed selling, and target distribution rates.

US ETFs are invested in dollars, so they can generate foreign exchange gains/losses, while domestic ETFs are invested in won, so they are more accessible.

Domestic ETFs can be traded during the day and it is easy to take advantage of tax benefits such as ISA/IRP.

Since the tax structure is different, there is a difference in the actual rate of return depending on the method of taxing capital gains and dividend income.

ETF information can be searched on Naver, securities company apps, asset management company websites, SeekingAlpha, etc.

Popular domestic and foreign monthly dividend ETFs are composed of stock types, bond types, covered call types, and gold-based types.

Since the rising participation rate and dividend rate vary greatly depending on the structure of the covered call strategy, product composition is important.

Learn the principles of diversification through strategies such as the 3-part method, 60/40, permanent portfolio, and all-weather strategy.

The monthly dividend ETF weighting should be structured differently depending on the investor's life cycle (youth, middle-aged, retired).

The 'PIUS Portfolio' based on the Pius K indicator adjusts the weight according to interest rates, real interest rates, and employment trends.

ISA is a short-term tax-tech account that allows for exemption from taxation or separate taxation at a low rate on dividend income and capital gains.

IRP/Pension Savings is a tax-saving account that allows tax deductions + tax deferral + low-rate taxation with receipt conditions after age 55.

To increase after-tax returns, account types, distribution withdrawal methods, and investment proportions must be carefully designed.