[이데일리 김유성 김인경 기자] Private bankers (PBs) advised active stock investment, but the contents of the advice differed by generation. It recommended overseas stocks to those in their twenties and thirties who have just entered society, and advised middle-aged and retired property owners to focus more on domestic stocks.
Be a fast-paced newcomer, Seohak ant
From the 18th to the 22nd of last month, EDaily conducted a survey of 100 PBs who are dedicated to VIP customers of domestic banks, securities and insurance companies. By industry, bank PB 60 (Shinhan, Woori, KB Kookmin, Hana, NH Nonghyup, SC First Bank), securities firms (25) (Daeshin, Mirae Asset, Samsung, Korea Investment, KB Securities), insurance companies (Kyobo, Samsung, etc.) Shinhan, ABL, NH Nonghyup Life).
PBs who responded to the questionnaire cited’US stocks’ as the most important asset for newcomers to increase. It means that American stocks should be used as a pillar of investment, as Americans are the center of global liquidity. In fact, the 2030 generation last year became the main pillar of the so-called’seohak ants’. According to a survey by Korea Investment & Securities in the third quarter, about 60-70% of US IT stockholders are 2030 generations.
“There is a bubble controversy surrounding the US technology stocks, but there is no other suitable investment destination,” said Hyun-soo Cho, head of the Yangjaenam Financial Center, Woori Bank. In addition, as the exchange rate is recently traded at 1080 to 1090 won per dollar, PBs advised that long-term investments could also target foreign exchange gains.
However, if you want to invest in US stocks, you must be prepared to become an owl. There is a time difference from Korea, and the mobile trading system (MTS) for smartphones provided by domestic securities companies is 15 minutes behind the actual market price. An official at a securities company said, “In the case of US stock investment, there is a somewhat advantageous aspect for younger generations who can sensitively respond to various issues as well as using smartphones.”
That doesn’t mean that PBs only solicited US stocks. Many PBs advised them to invest in domestic stocks. When combined with US stocks and domestic stocks, a whopping 66% of PBs out of 100 PBs proposed stock investment by the younger generation.
On the other hand, cash is an asset that advises 2030 generations to reduce their weight. 28% of respondents said they would reduce their cash equivalents. It is said that in the younger period, when there is no need for a small amount of money, it is time to bring out assets through bold investment.
Middle-aged, more domestic stocks than the US… Go stable
Unlike the 2030 generation, the portfolio in the 40s needs to be more stable, PBs said. The most recommended asset for those in their 40s with children was more domestic stocks (32%) than US stocks (23%). Rather, the second place was real estate (27%). For 2030 households, only 3% of them were advised to invest in real estate. It is said that the proportion of real estate should not be lowered for those in their 40s who need to raise education expenses for their children and fund for the retirement.
An insurance company PB, who requested anonymity, said, “Real estate is still the most representative safe asset in Korea.” “It was difficult to buy a new house due to the blockage of the loan market, but if you have bought a house and are paying off the loan, you will be able to withstand the It’s better.”
For middle-aged people, stock investment is also a gift for the future of their children. These are the so-called’papa ants’ and’mama ants’. PB team leader Cho Hyun-soo explained, “People who invest in domestic stocks by creating stock accounts for their children are increasing rapidly.” did.
However, many people in their 40s asked to reduce the share of cash equivalents (30%). It was recommended to reduce the proportion of bonds in developed countries (22%), which are stable but have low yields.
Domestic stocks (23%) were the most recommended investment destinations for the elderly, such as those in their 60s, retiring this year. However, many advisers that the elderly should pay attention to cash assets such as MMF (20%), safe assets such as dollars (16%), and bonds from developed countries (12%). As it is a situation in which neck money such as marriage and hospital expenses of children continue to be incurred, attention should be paid to investments that can be converted into cash immediately.
Real estate (36%) is an asset that recommends reducing the proportion of the elderly. This is because the tax burden increases when investing in real estate such as shopping centers with retirement funds. Considering the unfavorable real estate situation, PBs advise that there is no need to excessively hold real estate.
Choi Eun-young, an expert member of the PB Center of NH Nonghyup Bank, said, “It is important not to lose the money that has been earned so far as the elderly cannot increase their income. You need to pay attention.”
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