저자: 미상 · 한국인
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2001년 이후 S&P500은 약 3배, 나스닥100은 20년간 약 717% 상승했고 최근 10년 S&P500 연평균 17.2%, 나스닥100 연 23.5%라고 설명. 두 지수 ETF(SPY·VOO·IVV·QQQ·QQQM 등 해외, TIGER 미국S&P500·나스닥100 등 국내)의 가격, 배당률(0.3~1.2%), 보수, 환전비용, 세금(해외 250만원 기본공제 및 금융소득종합과세 차이)을 비교. 결론적으로 금액·수익 규모에 따라 유리한 상품이 달라진다고 설명하며 미국 지수 투자를 권장.
다듬은 글
which one to use regarding the representative US index modified SMB 500 and Na Star ETFs. Today, I will summarize domestic and overseas ETFs to help you decide which of these two representative index ETFs to buy. Hello, this will be the best approach. Today, we will examine the returns over the past 20 years for the SMB 500 and Na Star, as well as which stocks each ETF holds.
Most importantly, we will look at the differences in returns, dividends, taxes, and fees for domestic and overseas ETFs that invest in these US indices. We will also look at the differences between domestic and overseas ETFs, and finally, I will tell you which ETF you should buy. First, looking at the chart for the modified SMB 500 since right after the dot-com bubble in 2001, you can see that it has consistently trended upward.
So, how much has it risen over the past 20 years, from 2001 to now? The SM 500 has tripled. There are certainly those who say it hasn't risen as much as expected, but for those who have consistently invested here and held onto this stock through compound interest, the returns have been truly enormous.
It likely happened. Then, what about the NASDAQ? Over 20 years, it has risen by a whopping 7 times, or 717 percent. Since the growth rate and returns for Fourth Industrial Revolution growth stocks have been steep recently, the returns are significantly higher compared to stocks that have consistently focused on technology growth stocks.
In fact, if you look at the average annual return over the past 10 years, you can see that the SMP 500—a representative index tracking the wealthy investor spy—has generated an annual return of 17.2% over the past decade. That means it increased by an average of 17% every year. It means I made tremendous profits simply by investing in the US index without doing any studying.
That is a level of just over 20%. That is the level achieved by the world's top investors, but I was able to generate a 17.2% return every year for 10 years by doing nothing, making no effort, and just investing in the US index. This was the SMP 500 index. What stocks are mainly concentrated here? They are stocks we all know: Microsoft, Amazon, Tesla, Alphabet, and Google.
These include Nvidia, Metacritic, Bucks, Weibo, and JP Morgan. Since they are divided into Alphabet A and C, the actual percentage is 4%; Alphabet would fall into this category. The total of 10 companies from three rounds accounts for about 30% of the total. In addition to this 30%, there is a diverse distribution of other supporting companies with good initial earnings.
Then, what about the Tutu Q, which is estimated to be a Star? It is significantly higher than the SM chart. It is said to have reached a return of over 23.5% every year. This is higher than Warren Buffett's average annual return. It means that even without needlessly day trading, chasing pump-and-dump stocks, getting stuck in skyrocketing stocks, or cutting losses at the bottom just to make money, we could have generated a series of returns of over 23% simply by riding the wave of the index.
So, what stocks are positioned in the Star background? The stocks are similar. However, there is a difference from the SMP 500 mentioned earlier. The weighting is much higher; the top 10 have a weighting of a whopping 56%. It reaches [amount]. You can see that the weight of world-class growth stocks and technology stocks is heavily concentrated.
As such, the NASDAQ has a high proportion of technology stocks. We are currently in the early stages of the Fourth Industrial Revolution, and the growth of these growth stocks will continue in the future. Now, let's look at the main point of today: what ETFs invest in this index, and examine the advantages, disadvantages, and characteristics of each one.
First, they can be broadly divided into two categories: ETFs that invest in SMP 500, and NASDAQ PFs that invest in stocks. Furthermore, each of these ETFs can be broadly divided into overseas ETFs listed abroad and domestic ETFs, which are products launched in Korea. NASDAQ stocks can be similarly divided into overseas and domestic categories.
For now, I have only included Tiger in my domestic portfolio, but there are many other products available. For today, I will compare based on Tiger. Let's start by comparing ETFs that track the US SMP 500 index. First, regarding the representative JALAL ETF, Spy... First of all, the price is expensive.
It is $464, so in terms of an exchange rate of 1,200 won... It costs a bit over 550,000 won. This means you need 550,000 won to buy one share of Spy. Naturally, it would n't be easy for those just starting their careers or those investing on their monthly salaries. If you wanted to buy two or three shares, the amount would be 1 million or 1.5 million won, so there are definitely people who stop investing because the price is too high.
Then there is this "Spy" camp. This one only costs $17, which is about 20,000 won in our currency. It is very cheap. In terms of price, it is the most attractive product. However, it has the disadvantage of having relatively low assets under management. Since the trading volume is also relatively low, the price itself tends to fluctuate more up and down compared to Spy.
And the mini version of Spy, SPL G, is $54, which is about 65,000 won in our currency. And Spy's main competitors seem to be VOA and I've. Actually, the prices are roughly the same, around 500,000 won. But is there a difference? It is right in the 2-minute 100... Hmm, there is a slight difference in dividends.
It is not a huge difference, but first, Spy's annual dividend rate is about 1.2%. The 2 on the front side The Spy subscription is cheap, so you can participate without much burden. However, there is a difference of about 0.3% in dividends. To put it more accurately, this one offers better value for money.
If you were investing money, StarCraft 2 and Spy would be decent options, but their cost-effectiveness might be slightly lower. However, since it is only a 0.3% difference, there isn't a huge gap. Actually, SPD and LG cost around 60,000 won, and their dividends are similar to Spy. V5 IV V's dividend is 1 point at 1.24.
In fact, V5 has the highest dividend at 1.25%. There is also the fee component; you can consider this an operating cost. Spy is a bit expensive at 0.09%. On the other hand, SPL G V and IV V have a fee of 0.03%, which is very good. In conclusion, among these overseas products, V5 is the best because it has high distributions and low fees.
However, since the price is expensive in the 500,000 won range, StarCraft 2 or SPD LG could be good alternatives for those looking to invest with a small amount of money. Then, what about domestic products like Tiger SMP Gobaek? Currently, it is the cheapest at 13,900 won, so you can participate without any burden.
You can buy it. The dividend yield is around 0.9%, and you can see that it is about 0.3% lower than products like Spy, V5, IV, and V. Also, the commission fees are 0.7%, so it is not on the high side. However, as I will explain shortly, there will be differences between overseas and domestic sectors.
There are significant differences in exchange rates and market conditions. I will explain that in a bit. This time, let me introduce the Nasdaq 100 ETF. The representative one everyone knows is QQQ, which comes at $400. That is 480,000 won in our currency, which is expensive, right? And the dividend yield is 0.4%.
Since growth stocks tend to pay lower dividends, the dividend is a bit less compared to Nasdaq Star, Bio, or Bebe. So, what is this special one? It is a mini version of QQQ. Just like the cicada version of Spy was a pass-by to LG, the mini version of QQQ was a product launched to increase accessibility at a lower price.
That is QQQ M. That is why the price is cheap at $164, which is about 200,000 won in our currency. Actually, it is not a big problem. At this price, it is sufficient. However, there is a difference of about 0.2% in distribution fees. On the other hand, the commission is 0.2% for QQ and 0.2% for Ham, so it is somewhat cheaper.
Actually, if you round it all out like that, you can consider there to be no huge difference. Whether I want to invest similarly and go for QQQ or take it easy, you can simply judge based on the price. It is the difference between buying a 500,000 won product and a 200,000 won product. However, if I have a bit of extra money, I can just buy QQ.
This time, regarding the domestic product Tiger, the US NASDAQ 100, it is the product that is currently seeing a surge and people are buying up on TV. The price is 87,000 won. When this stock first started, it was 60,000 won, but it has risen a lot since then. The distribution fee is 0.38%, so there isn't actually a big difference.
There are n't many Bispi or Stars. But there is a difference in the rate of entry. You can see that Tiger is a bit cheaper at 0.07%. If we compare QQ and Tiger, first of all, the commission is 0.2% and There is a 0.0% difference, meaning it is that much cheaper. The Timer distribution lowers the gold fee by 0.06%, but because the fee is 0.13% lower, Tiger is better in terms of cost-effectiveness.
The price itself is also cheaper. The issue stems from the difference in exchange rates and taxes arising from whether it is overseas or domestic. You should choose between these two based on that, and the decision should be based on the price difference. If you are willing to invest a large amount, QQ would be better due to its higher cost-effectiveness.
In conclusion, among products tracking the SMP 500, VO offers the best value for money. However, it is 510,000 won more expensive in Korean currency, so you must take that into account. Among domestic products, Tiger SMP 500 is not bad either. First, the price is 23,900 won, which is lower compared to VO.
In fact, aside from the advantage of being cheaper, there isn't much else. For domestic gold, V5 is higher, and since the fee is 0.03% cheaper, VOS wins. However, in the overseas ETF sector, domestic ETFs Hey, since there is a difference, the choice can ultimately be divided based on the difference in taxes.
I will explain this in a moment. Now, what about the situation in Das? The conclusion is QQ and Tiger. In terms of price, QQ is 480,000 KRW and Tiger is 87,300 KRW. However, there are many distributions on Friday and Saturday. The fees are slightly more expensive, but since there isn't a big difference in terms of cost-effectiveness, the key will ultimately come down to whether you choose overseas or domestic.
So, what are the differences between overseas and domestic ETFs? The key differences are the concept, completeness, and taxes. You have to buy overseas ETFs in dollars. You have to exchange your money into dollars and then buy this TF with dollars. Ultimately, you have to go through the process of currency exchange.
Exchange fees are incurred during this process. Even just for this, you pay a few percent when buying or selling. Of course, if you can get a good exchange rate, buying overseas ETFs is fine. However, the fact is that the currency exchange process itself is involved. On the other hand, with domestic ETFs, you simply use your Korean Won to trade stocks in the domestic stock market.
You can simply buy it as if you were 4, and currency exchange is handled very conveniently. Also, there are no exchange fees. However, both domestic and overseas ETFs are affected by the exchange rate. Unless it is a hatched product, the effect of being linked to the exchange rate—where you make additional profit if the rate goes up and incur additional losses if it goes down—exists in both domestic and overseas ETFs.
There is also a difference in taxes. Regarding dividends, specifically the one mentioned earlier, a 15.4% dividend income tax is deducted. This is similar to the situation with overseas ETFs. Income tax is included in the Comprehensive Financial Income Tax for both domestic and overseas investments.
There is also a holding period tax, which you can consider similar to capital gains tax; 15.4% is deducted from the capital gains. Stocks don't have this issue. However, since this falls under "Other ETFs," there is taxation on capital gains. Furthermore, domestic ETFs have a critical disadvantage in that they are included in the Comprehensive Financial Income Tax regarding dividend income tax and holding period tax.
Of course, depending on the size of your assets, this may not be critical. Investment Depending on the scale, capital gains tax is imposed on profits from trading overseas ETFs. The tax is 20% for capital gains and 2% for local income tax. However, there is a basic deduction of 2.5 million won. This means that tax is not levied up to 2,500,000 won.
For example, if I made a trading profit of 5 million won from ET Pro, the capital gains tax will only be levied on the remaining 2.5 million won after deducting 2.5 million won. In reality, it would be the amount exceeding the limit, not the amount exceeding it. Also, this 1.5 million won threshold includes stocks, including other overseas stocks.
For example, let's say I incurred a 5 million won loss on overseas stock A, and then made a profit of 7.5 million won from the OP ETF. Now, how much is the sum of these two? It is 2,500,000 won. So, ultimately, I have effectively earned 2.5 million won. However, because of the basic deduction of 2.5 million won, I do not pay tax on that 2.5 million won.
In the end, what I paid... The point is that there is no tax. Another difference is that capital gains from overseas stocks are subject to separate taxation. This means they are not subject to comprehensive taxation on financial income. With domestic stocks, if financial income exceeds 20 million won, taxes increase significantly and disadvantages arise.
Therefore, if you are a high-net-worth individual who needs to be mindful of this, you could argue that overseas stocks are a better choice than domestic ones. This is because the capital gains themselves have grown. Looking at it this way, there are major differences between domestic and overseas ETFs.
To summarize, regarding capital gains, the difference lies in whether capital gains tax is levied on the 2.5 million won threshold (basic exemption), or if it is subject to separate taxation rather than comprehensive taxation on financial income (only 15.4%). Ultimately, the conclusion is this: if your capital gains are within 8 million won or 330,000 won, investing in QQQ overseas stocks is more advantageous.
This is because there is a basic exemption of 2.5 million won. However, since there is no tax on the domestic weekly chart, the 15.4% rate applies unconditionally. Up to the 8.3 million to 10,000 won profit bracket, overseas ETFs are more advantageous. However, if the profit is between 8.33 million and 20 million won, then domestic stocks (Tiger) are more favorable.
Although there is a basic deduction of 25 million won, from the later stages onwards, the capital gains tax itself is 22%, which is much higher than the 19.4% rate. Therefore, as the profit becomes more apparent, the effect of this basic deduction diminishes. Furthermore, once the profit exceeds 20 million won, it becomes more advantageous to invest in overseas ETFs.
This is due to the Comprehensive Taxation of Financial Income. Since the 20 million won threshold is not subject to this tax, there is an aspect where overseas ETFs are more favorable compared to domestic stocks. Thus, the product that is most advantageous varies depending on the scale of the profit and whether it is an overseas investment.
Also, in the case of these ETFs, if you utilize tax-saving options like pension savings or IRPs effectively, you can reduce your tax burden. However, these investments require long-term investment; they are small investments that can be withdrawn later. Using an account like this will be helpful. So, lastly, of course.
How should you buy US index ETFs? First, looking at the amount, SMP 500 is SIA, and TIGERAT is US NAT 100. For domestic products, SPYSkill is 20,000 KRW and TIGERAT is 14,000 KRW. If you choose based on price, these two are better. And on NaStock, QQ Ham is 200,000 KRW, and TIGERAT is 87,000 KRW. Looking at dividends, for SMP 500, VOA and IVV have the highest dividends, but there isn't a huge difference.
On NaStock, QQQ has higher candlestick harmonics, but considering fees, there isn't much difference compared to TIGERAT. Regarding low fees, SPYSkill and SPYSkill do n't have their own options. On NaStock, TIGERAT has the lowest commission at 0.0%. However, if you invest in overseas products, additional currency exchange fees may apply.
Then, regarding tax issues, I mentioned that overseas ETFs are advantageous in terms of comprehensive taxation on total income. This is it: regarding trading profits... The product that is most advantageous varies depending on the investment range. So far, we have looked into overseas and domestic ETFs that invest in US indices, and I believe you have a clearer understanding.
The conclusion is that the most advantageous product can vary depending on your specific situation. However, if you are in a position where you don't need to worry too much about comprehensive taxation on financial income, domestic products are not a bad choice. They can be a good option for those who are affordable, manageable, and don't have to rush the distribution process, while also taking into account exchange rate fluctuations.
For those of you who are unsure which index ETF to invest in, I hope you learned a lot from today's video. Investing in US indices is an absolute must. It is a great product that provides a stable portfolio, consistent returns, and creates the conditions for long-term investment. There is only one month left in 2011.
I hope you finish strong so that all of you in the 'Sangseong Hyogyok TV' family can achieve even more successful investments in 2012. Thank you for watching this long video until the end, and I hope you all take good care of your mental health. Thank you.
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