저자: 아담 · 한국인
요약 보기
TQQQ를 1~5년 보유 시 수익률 시뮬레이션으로 제시. 월 15만원 적립 가정, 1년차 원금 대비 최악~최고 시나리오 금액 비교, 3~5년차로 갈수록 수익이 커진다고 설명. 경제가 성장할 것이라는 기대에 기반한 ETF로 보고 장기 적립을 권유. 후반부는 부부관계 대화법(감정 대신 바람을 표현하기) 소개.
다듬은 글
Hello fellow travelers, this is Adam Am, accompanying those who wish to become even happier. Today, at the request of Kim Guru, she wrote, "I would appreciate it if you could review the 5-year return rate as well, Adman." So, today I will discuss TQ returns from 1 to 5 years. Previously, Son Chae-yeon also asked me to calculate the return rate for an investment principal of 10 million won, investing 500,000 won or 1 million won per month for 10 years, and even for 20 years.
The method used for this calculation is called Monte Carlo 10 simulation. There is a program for this, but I have n't learned how to use it properly yet. So, I will upload what Son Chae-yeon mentioned as soon as I learn it. As for what Kim Geureo mentioned, in the video on Midori Sun, I explained that I have studied abroad.
First, you start with 10 million won and live like a beggar. I mean, how do you live with 10 million won? Then, you buy 150,000 won every month. That is 1.8 million won a year, but for simplicity, I will just say 1.5 million won per month. So, let's look at one year. The principal becomes 11.5 million won.
In the worst-case economic situation, it drops to 9.25 million won, assuming 1 dollar equals 1,000 won. In the middle range, it ranges from about 13 million to 18 million won, or around 24 million won. At its peak, when the economy is very good, it reaches about 26 million won. Let's look at the "connection" scenario.
The principal is 10 million won, with a series of 1.5 million won and, since it is a connection, 3 million won. So, the principal becomes 13 million won. In the worst-case scenario, it becomes 14 million won. In the middle range, it is about 20 million to 29 million won or 41 million won, and at the peak, it is around 58 million won.
At this point, the principal is fully recovered, and it is a time of more than double, so profits begin to appear. Let's look at 3 years. The principal is 10 million won, and with 1.5 million won per month for 3 years, it is 4.5 million won. So, the total principal is It is 14.5 million won. In this case, for the worst-case scenario (Case 1), it becomes around 20 million won.
For the middle range, it is between 29 million and 45 million won, and information for 68 million won is also possible. For the best-case scenario, it comes out to about 97 million won. Let's go for 4 years. With an initial principal of 10,000,000 won and 6 million won deposited at 1.5 million won per year for 4 years, the principal is 16 million won.
This is the worst-case scenario (Case 1), where it is about 28 million won. For the middle range, it is between 43 million and 71 million won, and goes up to about 115 million won. In the best-case scenario, it is about 168,000,000 won. Let's go for 5 years. For 5 years, the principal is 10 million won, and since it is 1.5 million won per year for 5 years, it is 7.5 million won, so it is 17.5 million won.
In the worst-case scenario, it is 38 million won. The median value ranges from 63 million to 108 million won or around 186 million won, and at our maximum, it is about 298 million won. The principal is less than 20 million won. It is amazing, isn't it? That alone is incredible, but I also posted figures for 10, 20, and 30 years.
I have mentioned that several times, so the writer will include it in the video. However, there is a huge difference between the 5-year and 10-year figures. Therefore, with stocks, the sooner you invest and the longer you hold them this year, the higher the return. I am saying this because KQQ is an investment based on the expectation that the economy will grow, so we are anticipating future growth.
TQ does not require a really large investment amount. However, it is an ETF that generates tremendous net profit if we endure that time. Hmm, if there is no economic crisis, you will see a lot of money, and even if there is an economic crisis, we can continue to make additional purchases to recover that principal quickly.
You are currently investing in an ETF where returns will skyrocket once the economy improves. You will make a lot of money. I will continue to invest. While there are many conditions for happiness, there are cases where families break apart and tragic events occur due to money. Couples also fight a lot; we have experienced that as well.
However, putting money aside, I believe the next most important thing, besides physical health, is relationships between people. That is why I would like to share some good content from a book written by a psychology counselor I greatly admire— Professor Park Sang-hoon. In other words, empathy is the core element that saves relationships.
Speak your wishes, not your thoughts. In close relationships, we often hurt the other person's feelings by blurting out thoughts and judgments, and the relationship drifts apart as we exchange words we neither want to say. He advises us to express ourselves not by saying, "Don't do it like that," but by saying, " I would really like it if you did it this way." Miracles happen when you express your thoughts as wishes rather than speaking them exactly as they are.
Changing your words completely changes the world. Let's practice conversation where we pause for a moment and choose a positive response when someone provokes our emotions. For example, let's say the husband says he is going out for drinks. From the wife's perspective, would she say, "Drink more drinks"?
It could be expressed in that way, you know. But there might be a hidden sentiment, like wanting to spend time with your husband or worrying about his health because he drinks too often. However, people often fail to express these feelings and simply say, "I'm going out to drink again." In such situations, the method the professor suggested is this: " I'm a bit worried about your health because you drink so often, so how about you try to cut back on drinking or reduce the frequency?" It is good to express your wish and even suggest actions to use.
Alternatively, you could say, "I want to spend time with you, but since you go out to drink so often, I feel a bit uneasy." Then, suggest, " How about we watch a movie together today?" or "How about we go for a walk together?" If you suggest these methods, the other person will likely judge for themselves what the wife does to please them.
We will continue to become wealthy in the future, and I hope that along the way, you will build good relationships with those around you and live with a true sense of happiness in your heart. So, I hope you have a productive week. Thank you for watching the video until the end. I will see you again next time.
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