차분한 투자자
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Goldman Sachs Warned on Chips. Three Things Korean Investors Should Check Now.
If You’re Holding Korean Semiconductor Stocks Right Now In the past week, warning signals have been stacking up in the Korean equity market: Goldman Sachs flagged froth in the semiconductor sector, investor deposit balances hit a five-month low, and the Bank of Korea is widely expected to hike rates this week. Any one of these…
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BOK Rate Hike July 2026: How Much Will Your Loan Cost Go Up?
The July 15 Decision: A Rate Hike Is Coming On July 15, 2026, the Bank of Korea’s Monetary Policy Board convenes — and unlike many recent meetings, this one is widely expected to end with a rate hike. The groundwork has been laid methodically. At its May 2026 meeting, the BOK held its benchmark rate…
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Cash ISA Allowance Cut to £12,000: What to Do Before April 2027
The Short Version: What’s Actually Changing From 6 April 2027, the UK government is cutting the Cash ISA annual allowance from £20,000 to £12,000. The overall ISA allowance stays at £20,000 — but from that date, at least £8,000 of whatever you save will need to go into a non-cash wrapper (a Stocks and Shares…
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Seoul Apartment Sales Outpace Rentals for First Time in Six Years — As Stress-DSR Phase 3 Kicks In
A Six-Year Flip: Seoul Apartment Sales Have Overtaken Rentals Something unusual happened in Seoul’s housing market in June 2026: monthly apartment purchase transactions exceeded rental (jeonse) transactions for the first time in six years. Reports from multiple property data outlets, including Business Plus and Korea Public Policy News (July 1, 2026), confirm the shift. As…
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Capital Gains Tax 2026: Brackets, Rates, and How to Cut Your Bill
What Is a Capital Gain — and When Does It Get Taxed? A capital gain is the profit you make when you sell an asset — a stock, a mutual fund, a rental property, cryptocurrency — for more than you paid for it. The IRS taxes that profit, but how much you pay depends on…
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401(k) Contribution Limits 2026: Max Out Your $24,500 (Plus Catch-Up Rules)
Why Your 401(k) Limit Just Got a Raise Every autumn the IRS adjusts retirement account limits for inflation, and for 2026 workers got a meaningful bump. The employee contribution limit for 401(k), 403(b), and most 457 plans rose to $24,500 — up $1,000 from the 2025 cap of $23,500 (per the IRS, November 2025). If…
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Backdoor Roth IRA 2026: Complete Guide for High Earners
What Is a Backdoor Roth IRA — and Why High Earners Need It A Roth IRA is one of the best deals in the US tax code: your money grows tax-free, and qualified withdrawals in retirement are tax-free too. The catch is that the IRS phases out direct contributions once your income passes a certain…
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Why Your Korean Apartment Lottery Score Is Lower Than You Think
Your Housing Lottery Score Might Be Lower Than You Think — Here’s Why If you’ve ever run the numbers on Korea’s apartment subscription lottery (청약, cheong-yak) and come away deflated, you’re in good company. The system maxes out at 84 points, but most applicants land somewhere between 30 and 50 — often without understanding exactly…
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Should You Refinance Your Korean Mortgage Right Now?
Before You Switch: The Question That Matters Most With South Korean mortgage rates hovering between 7% and 8%, the idea of refinancing to a lower-rate bank is hard to ignore. Since May 2023, the Financial Services Commission’s online one-stop loan transfer platform has made it easier than ever to compare rates across banks and move…
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Bogeumjari Loan Hits 5.2%, Mortgages Near 8%: What Borrowers Should Check Now
Today’s Rate Hike: What It Means for Korean Mortgage Borrowers Starting today — July 7, 2026 — Korea Housing Finance Corporation (HF) has raised the Bogeumjari Loan rate by 0.3 percentage points. The upper end of that rate now sits at 5.2%. For a program designed to shield lower-income homebuyers from volatile commercial lending rates,…