Retirement Planning with ETFs
Guide to building a retirement portfolio using ETFs for long-term financial security.
ETFs are ideal for retirement planning thanks to their low costs and broad diversification. With a disciplined, systematic plan, you can build a stable and secure financial future.
Table of Contents
1. Calculating Your Retirement Nest Egg
Required savings = Annual living expenses x 25
The 4% Rule: withdraw 4% of your retirement portfolio each year
Assume annual inflation of approximately 3%
2. Strategy by Age Group
In your 20s-30s: Growth-focused (80-90% stocks)
In your 40s: Balanced (60-70% stocks)
In your 50s: Stability-focused (40-50% stocks)
60s and beyond: Income-focused (30-40% stocks)
3. Retirement Income ETFs
Dividend ETFs: SCHD, VYM, JEPI
Bond ETFs: AGG, BND, TLT
REIT ETFs: VNQ, XLRE
Monthly dividend ETFs: JEPI, QYLD, SPHD
4. Making the Most of Tax-Advantaged Accounts
IRP (Individual Retirement Pension): up to 18 million KRW per year
Pension savings account: up to 6 million KRW per year
Benefits include tax credits and tax-free investment growth
Key Tips
- •Begin shifting to a more conservative allocation 10 years before retirement
- •Healthcare inflation tends to outpace general inflation
- •Plan based on household (couple) expenses, not just individual
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