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When receiving retirement benefits in a lump sum or investing in monthly dividend ETFs, When receiving retirement benefits in a lump sum or investing in monthly dividend ETFs, you may face unexpected tax burdens and health insurance premiums. This article discusses how to prevent these issues and effectively reduce taxes. It introduces strategies for actively utilizing Individual Savings Accounts (ISA) and pension accounts, and receiving retirement benefits in the form of a pension. Mr. A, a 50-year-old office worker preparing for retirement, started investing in monthly dividend ETFs as part of his retirement planning. However, as his dividend income exceeded 20 million KRW per year, he received an unexpected tax bill. He became subject to comprehensive financial income taxation, which applies a tax rate of up to 49.5%, and had to bear additional health insurance premiums. To prevent such tax issues, experts strongly recommend actively utilizing ISAs and pension accounts. Dividend inc...

At the beginning of August, the South Korean stock market witnessed some historic events.  At the beginning of August, the South Korean stock market witnessed some historic events. After a record-setting drop, it quickly rebounded with one of the largest increases ever, leaving investors astounded. Private bankers (PBs) at securities firms have noted, "Such a deep trough and rapid rebound are unprecedented based on historical experience." Despite this temporary adjustment phase, some investors made bold bets on the U.S. market, acquiring large amounts of leveraged ETFs that track struggling tech stocks and steadily investing in dividend ETFs composed solely of U.S. companies. So, what has been the outcome? After a V-shaped recovery, the consensus is that "the U.S. is indeed the most reliable." Meanwhile, emerging securities firms focused on U.S. stock trading are rapidly increasing their market share. However, the situation is far from settled. With the upcoming pre...