How to put 85% of the shares in the IRP account

[How to put 85% of the shares in the IRP account]

1.IRP accounts are required to invest 70% of risky assets and 30% of safe assets. Therefore, those who want to increase the share weight of stocks in IRP are classified as safe assets, and they used to purchase KODEX TRF3070 or various TDF products that contain the share weight.

2. However, around the fall of last year, the 'SOL US Baedang US Treasury Mixed 50' monthly dividend ETF was released. It is an ETF that combines the 'Dow Jones U.S. Divide 100 Index' and the 'KRX US Treasury 10-year index'. It's just 50% SCHD and 50% US bonds. If you invest in this ETF, 15% of 30% of safe assets will be invested in SOL US dividend Dow Jones. Then you can invest 85% of your IRP account in stock weight. And there's a monthly dividend.

3. In addition, in the case of "SOL 50 U.S. Baedang U.S. Treasury Bond Mix," there is a high possibility that it will not be swayed much by market volatility because it is an ETF composed of a combination of stocks and bonds, even if assets are not distributed separately. It will be less shaken even if it shakes. Historically, SCHD has been like that, and 10-year U.S. bonds have been like that. But I'm done mixing them. That's why I think it's best to put 30% of IRP safe assets in the portfolio for those who are seeking stable investments.

4. So I've been buying KODEX TRF3070 as a safe asset for the past few years, and it's nearly 30% return (with a safe asset at this rate of return, it's really, really great), but these days, both my wife and I are buying "SOL U.S. Bonds Mixed 50."

5.IRP is the most reasonable option to pay only 3 million won per year, of which 900,000 won is purchased in full with this SOL US Baedang US Treasury Bond Mix 50 and the remaining 70% with SOL US Dividend Dow Jones, 85% SCHD and 15% US Treasury Portfolio are completed. It's a really simple portfolio, but I think if it's stable when it's back-tested and if it's consistent in the future, it's a portfolio that seeks stability with a pension portfolio, has steady profits, and is even paid monthly dividends.

6.Of course, it means that it is the best for 30% of IRP safe assets. Otherwise, I don't think there is any reason to invest this separately