Most people in their late 20s and mid-30s who think they should prepare for retirement can raise 100 million won.
Even if you save 100 million won, there's nothing you can do, so it'll be in vain.
Let's find out how to finish preparing for retirement with this 100 million won.
The magic of 72 Laws.
There's a law called 72.
72/Return on Investment = It is a formula indicating the period of double the principal.
If you calculate it correctly, there will be some errors, but it's an easy way to figure it out roughly.
Assuming that you raised 100 million won at the age of 30 and retire at the age of 60, you have about 30 years left.
And if you invest in S&P 500 ETF, the return on investment is around 7% annually.
72/7 = 10.2 years.
In other words, the principal doubles every 10 years.
If you invest 100 million won at the age of 30, how much will it be at the age of 60?
If you invest 100 million won at the age of 30,
In 10 years, at the age of 40, it will be 200 million, twice the amount of 100 million.
If you invest 200 million won at the age of 40,
In 10 years, it will be 400 million, twice 200 million, at the age of 50.
If you invest 400 million won at the age of 50,
In 10 years, at the age of 60, it will be 800 million, twice 400 million.
In other words, if you invest 100 million won at the age of 30, you will reach 800 million won at the age of 60, 30 years later.
If you have 800 million won at the age of 60, wouldn't your retirement preparation be over?
Reflecting the inflation rate, even if the principal is halved, 400 million won at the age of 60 seems enough to live the remaining 20 years.
Something that everyone knows but doesn't do.
Most of you probably know that index investment has a high success rate.
But the reason why I don't practice it is because I aim for a quick change.
It's because of the illusion that you can become a billionaire if you work a little harder and find good stocks.
If this succeeds, you can really become a billionaire, but it is true that there is a high probability of failure.
If you try once or twice and think you're not talented, it's a good thing for my future to switch to an index investment as soon as possible.
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