"Just spend the first three months"... An asset allocation guide for newly employed nephews

A video has been released targeting newly employed young professionals, proposing the history of financial markets and practical asset management methods. In the video, the history of changes in financial firms is explained through past cases of Daewoo Securities, and based on this, asset allocation strategies that employees will face are covered.

From Daewoo Securities to Mirae Asset Securities, changes in the financial market and corporate survival

The video traces the flow of the securities industry in the past and explains the changes in companies. It mentions the background of how Daewoo Securities, which was once the number one securities firm, operated as KDB Daewoo Securities under the management of Korea Development Bank, and subsequently underwent a sale process to lead to the current Mirae Asset Securities. At that time, Daewoo Securities was presented as a case where profitability was so high that Korea Development Bank delayed the sale due to its excellent talent pool.

Additionally, the merger and acquisition processes of other major securities firms were covered. The process of Woori Investment & Securities being incorporated into NH Investment & Securities, Hyundai Securities being incorporated into KB Financial Group, and the history of Korea Investment & Securities, which was an affiliate of Dongwon Group, were introduced. These changes in financial firms were used as examples to show how the scale of a company expands and how the owners of a company change according to market trends.

"It is okay to spend for the first three months"... How to use four accounts for new employees

The stages of asset management immediately after employment were presented as 'account opening' and 'resource allocation.' The video recommends having an adaptation period through spending during the first three months after employment, and suggests starting full-scale asset allocation after that. The core of asset allocation is to utilize four accounts based on the principle of 'half consumption, half investment.'

As a specific allocation method, a strategy was presented to deposit the remaining portion of the salary into a CMA and divide investment funds into an ISA and a pension savings account. For example, if there is an investment capacity of 1 million won per month, 400,000 won is allocated to the ISA and 100,000 won to the pension savings account. Regarding account opening, it was noted that CMA, ISA, and pension savings accounts can be opened collectively, but IRP must be opened separately.

Treasury stocks and industry ETFs, pay attention to the value of the industry you belong to

As a methodology for selecting investment items, a method of paying attention to companies related to the industry one works in was proposed. In the video, strategies such as buying stocks of the company one works for (treasury stocks) or buying stocks of the company's competitors were mentioned. This is a method of utilizing the understanding of the industry that can be obtained while working in the field for investment.

If selecting individual stocks is difficult, buying an ETF that tracks the S&P 500 index or an ETF of the industry one belongs to was suggested as an alternative. In particular, the logic that "you must invest in companies with businesses good and prospects bright enough to send your children to that company to enable long-term investment" was emphasized. This contains the perspective that it is reasonable to invest by believing in the sustainability of the industry that one has chosen by staking one's life.