Diversified Investing for 3 Million Won in Monthly Income

Domestic investor money flowing into the US market is welcomed, but it also raises concern about the activation of the domestic market.

The IPO price being set artificially low also contributed.

China is competing for leadership in semiconductors, AI, and hyperscalers, and intensifying global AI competition is expected to increase demand for Korea's HBM (high-bandwidth memory).

After the US AI Summit, major companies such as NVIDIA, SK Telecom, and Naver formed partnerships.

This shows that for US major companies to take the lead in the AI market, cooperation with Korean companies is essential.

Capital gains from general equity ETFs are tax-exempt for domestic stocks, and domestic equity covered call ETFs, which have a high share of option premiums, are advantageous when calculating dividend income tax and health insurance premiums.

No tax is levied on capital gains from ETFs made up of domestic stocks. In particular, domestic equity covered call ETFs have a high share of income generated from options.

Because of this structure, even if total dividends are 100 won, if 10 won comes from stocks and 90 won from options, dividend income tax drops sharply.

Health insurance premiums are also calculated on a smaller taxable dividend amount, which reduces the burden of health insurance premiums.

This reflects a tendency among investors who, in an uncertain market, hold back and prefer cash-like asset products.

This shows that as market conditions turn rough, investor sentiment centered on monthly dividends is strengthening.

Major tech companies such as Meta, Intel, and Alphabet are making large-scale investments to prepare for the AI era.

However, doubts are gradually growing about when such massive investments will actually be recouped as profit.

The underlying assets should be differentiated and spread across three categories of 1 million won each: Korea, the US, and alternative assets such as REITs or bonds.

As a result, Korean REITs tended to be undervalued.

However, dividends have not decreased, so the drop in share prices has actually pushed dividend yields up considerably. Thanks to this, the investment appeal of Korean REITs has risen significantly.

Allocating 1 million won to a Korean underlying index, 1 million won to a US underlying index, and the remaining 1 million won to alternative assets such as REITs to generate income can maintain a stable cash flow of 3 million won.

The US 2-year yield is at 4.2% and the 10-year yield at 4.7%, with rates continuing to climb. This rise in rates is acting to increase the investment appeal of bonds.

Some argue that if rates rise further, bond investment could become an even surer choice. On the other hand, the AI industry may face limits in raising funds through large-scale external borrowing.

The AI industry, which requires large-scale investment, could struggle to raise capital due to high interest rates.

In Korea, telecom companies such as Naver, SK Telecom, and LG Uplus own data centers, and these companies, which provide essential infrastructure for the AI era, are drawing attention for their value.