How Should a Personal Portfolio Adapt to Exchange Rate and Interest Rate Environments?

Personal Portfolio Adapt to Exchange Rate and Interest Rate Environments

Read in Korean → 한국어로 읽기 Responding with Structure, Not Prediction Once you understand how exchange rates and interest rates move,a natural question follows: “So how should my portfolio change?”“What choices should I make to stay safe in this kind of environment?” Today, instead of discussing how to predict exchange rates or interest rates,we’ll focus … Read more

Which Moves First: Exchange Rates or Interest Rates?

How to Read Market Signals in the Right Order

Read in Korean → 한국어로 읽기 How to Read Market Signals in the Right Order “Which one moves first?”“Does the exchange rate move because interest rates change,or do interest rates react after exchange rates move?” If this question isn’t clearly organized in your head,market news can feel confusing every single time. The more you learn … Read more

Where Does Capital Flow?

Interest Rate and Exchange Rate Changes Shape the Movement of Money

Read in Korean → 한국어로 읽기 How Interest Rate and Exchange Rate Changes Shape the Movement of Money Once you understand that interest rates and exchange rates move together,a natural question follows: “So… where does the money actually go?” In the news, we constantly hear phrases like foreign capital inflows, capital outflows, strong dollar, or … Read more

How Do Interest Rates and Exchange Rates Move Together?

Interest Rate–Currency Structure

Read in Korean → 한국어로 읽기 A Beginner’s Guide to Understanding the Interest Rate–Currency Structure When talking about exchange rates, the conversation often leads to this question: “So… does the exchange rate move because of interest rates?” In the news, we constantly hear about rate hikes and rate cuts—and at the same time, exchange rates … Read more

What Role Do Dollar Assets Play in Changing Interest Rate and Currency Environments?

dollar assets take on a unique role inside a portfolio

Read in Korean → 한국어로 읽기 The Real Purpose of Dollar Assets for Beginners Once you start investing globally, a familiar question naturally arises: “I feel like I should hold some dollar assets,but are they for returns,or are they just risky?” When exchange rates fluctuate and interest rates keep changing,the role of dollar assets becomes … Read more

How Exchange Rates Change Asset Value — A Beginner-Friendly Guide to Understanding Currency Impact

환율에 따라 달라지는 자산 가치

Read in Korean → 한국어로 읽기 When you listen to people who invest overseas, you often hear things like: Yet for beginners, it’s rare to find a clear explanation of how exchange rates actually affect asset value. That’s because exchange rates aren’t something you need to predict.They’re closer to an environment you need to understand … Read more

A Beginner’s Guide to Asset Structure — Why Order Matters More Than Accounts

A Beginner’s Guide to Asset Structure

Read in Korean → 한국어로 읽기 When people start managing their money, they often watch videos or read blogs and think: But people who consistently build wealth don’t start with products.They start with structure. Asset structure isn’t about what you buy.It’s about designing the order in which money flows, stays, grows, and gets locked away. … Read more

Asset Allocation by Interest Rate Environment — How Should Cash, Bonds, and ETFs Be Balanced?

Asset Allocation by Interest Rate Environment

Read in Korean → 한국어로 읽기 After reading articles and watching videos about interest rates,one question naturally remains: “So where should my money actually go —cash, bonds, or ETFs?” Many people struggle with investing not because they lack information,but because they don’t know how to adjust asset weights to the environment. I still ask myself … Read more

How Money Flows When Interest Rates Change

Many people get exhausted trying to predict interest rates. But what really matters is being prepared.

Read in Korean → 한국어로 읽기 Interest rate news is everywhere,but when it comes to what to actually do with your own money, it often feels unclear. When I first started investing, I kept hearing about interest rates too.But finding a clear answer to “So what should I do?” was surprisingly hard. The truth is, … Read more

How to Maximize ISA Tax Benefits — A Complete Guide from Fees to Early Withdrawal Risks

ISA 절세 혜택을 극대화 전략

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