Which should I start with: ETFs or bonds?
I'm 28 and have about 20 million won saved up. I've only used savings and time deposits, and now I want to start investing, but I'm really torn between ETFs and bonds. I want to go with something stable, but I'm also wondering if ETFs are risky.
5 answers
That's right lol. Going with bonds first is the answer for now.
I also started with 20 million won when I was 28. Going half and half between ETFs and bonds put my mind at ease. Bonds go up when rates fall, so they're a bit tricky in the current climate—but if you want stability, I'd recommend short-term bond ETFs. For stock ETFs, start small for a few months, and once you get the hang of it, add more.
Well, bonds aren't completely safe either. When interest rates move, bond prices also fluctuate. With prices already up due to rate-cut expectations, you could take a loss if you jump in now. Don't just rush in because everyone says it's stable—better to study up a bit more first.
Oh wow, I didn't know that bonds could be risky too.
At 28, it's an age for taking risks, right? Go with ETFs as the main focus, but set a fixed amount and buy in installments. For bonds, maybe just keep a small allocation?