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Read in Korean → 한국어로 읽기 An ISA (Individual Savings Account) offers powerful tax advantages —but the results can vary dramatically depending on how you manage it. When I first opened my ISA, I thought:“I’ve opened the account and set up auto transfers — that should be enough.” But once I understood the key management … Read more
Read in Korean → 한국어로 읽기 An ISA (Individual Savings Account) is designed toreduce taxes while growing your assets. Then the real question becomes: What should you actually buy inside an ISA? Today, let’s walk through an ISA portfolio strategy that beginners can follow immediately —simple, efficient, and sustainable. 1️⃣ Core ISA Investing Principles (Quick … Read more
Read in Korean → 한국어로 읽기 Why do so many people recommend opening an ISA? The answer is simple. With an ISA, you can keep much more of your returns — even with the same performance. That’s because ISA is built to significantly reduce taxes on investment profits. I didn’t fully understand this at first.In … Read more
Read in Korean → 한국어로 읽기 Once you’ve set up your pension savings,the next step in tax-efficient investing is the ISA. An ISA (Individual Savings Account) is designed for everyone —from complete beginners to early-career professionals —who want to grow their assets while reducing tax burdens. At first, I also wondered,“Is this really that useful?”But … Read more
Read in Korean → 한국어로 읽기 When it comes to pension savings, when, how much, and how you withdraw can completely change how much money you actually keep. Pension savings are unique becauseyou receive tax benefits when you contribute,and you can also reduce taxes when you withdraw — if you plan properly. That’s why pension … Read more
Read in Korean → 한국어로 읽기 Pension savings is a game where consistency always wins.Yet in reality, most people get shaken by emotions, hesitate over timing, and end up missing opportunities. That’s exactly why, once I started my pension savings, I stopped relying on willpower—which is easily influenced by mood or circumstances—and focused instead on … Read more
Read in Korean → 한국어로 읽기 Once you open a pension savings account, one question naturally comes up: “Which ETF should I buy?”“S&P 500? Nasdaq? Do I need bonds?” I felt completely lost at first too. There was so much information everywhere,but no clear way to decide what actually fits a long-term pension strategy. That’s … Read more
Read in Korean → 한국어로 읽기 In Part 1, we looked at why pension savings accounts form the core of long-term wealth.But many people still feel confused when they see similar account names. I felt the same way at first. Pension savings?IRP?ISA? Let’s break down these three most commonly compared accounts — clearly and simply. … Read more
Read in Korean → 한국어로 읽기 Once your short-term cash (CMA, emergency fund, living expenses) is organized, most people start asking the next set of questions: I asked the same things and learned one key principle: Money flows best when you separate it by time horizon. That’s where a pension savings account naturally becomes the … Read more
Read in Korean → 한국어로 읽기 Why savings accounts alone rarely build real wealth When people begin managing their money,one question almost always comes up: “Should I use a savings account — or a CMA?” Both are considered “safe,”but they serve very different purposes. When I started my career,I automatically put part of every paycheck … Read more