A Salaried Worker's ETF Portfolio: 2-Year Recap (with Numbers)
I'm just leaving this as a record of how I managed things while putting in 1 million won a month for two years. This isn't investment advice, just my own record.
1. In the beginning, 100% U.S. S&P 500. That was the easiest on my mind. I didn't even need to watch the news.
2. Starting in year one, I added 20% bond ETFs. Volatility did go down, but returns went down along with it.
3. In the end, I didn't add dividend ETFs. After taxes, the cash flow wasn't that big.
4. Right now it's about S&P 500 70 / developed markets 15 / bonds 15.
What I regret most is that during last year's correction, I sold out of fear and then bought back in two months later. If I hadn't done that, my returns would have been quite different—I don't even want to calculate it.
The bottom line: setting up automatic transfers and not opening the app was the best thing I did.
10 answers
Facts. The hardest part is setting up autopay and then not opening the app lol
Got a source? There's no verification of your own account, huh.
Isn't it obvious that returns dropped after adding 20% bonds lol? You added them to reduce volatility, but wanting to have both is a bit much.
By the way, there was a stretch during last year’s correction when bonds fell too. Did you also feel volatility easing back then? I was actually a bit disappointed because bonds didn’t provide any defense at that time. I’m curious which bond ETF it was specifically.