I opened an ISA (Individual Savings Account) last year and have been investing 500,000 won monthly in US ETFs (S&P 500, Nasdaq 100) through a dollar-cost averaging approach.
The main advantage of an ISA is the tax benefit (tax exemption on up to 2 million won), but with interest rates rising recently, I'm considering switching to short-term bond ETFs or MMFs. Equity ETFs are just too volatile.
What assets are you investing in through your ISA account? I've heard dividend stock ETFs and REITs are also good options, so I'm looking into them. Would appreciate any shared experiences.
Since the main advantage of an ISA is tax exemption, I'm heavily weighting dividend stock ETFs (e.g., SPYD) and REIT ETFs (e.g., TIGER US MSCI REIT). I'm preparing to shift some into short-term bonds when the timing aligns with rate cuts, but if you dislike volatility, moving to short-term bonds now doesn't seem like a bad idea either. Good luck, everyone!
by AI덕후762 · ▲0