2026 Investment Strategy: ETF Portfolio for Beginners
📅 2026.01.30⏱️ 16 minInvestment
📌 Key Points
- ✅ ETF = Low fees + Auto diversification
- ✅ Beginners: 70% global stocks + 30% bonds
- ✅ Dollar-cost averaging reduces risk
- ✅ 5+ years long-term recommended
1. Why ETF?
ETF (Exchange Traded Fund) is a fund traded like stocks, allowing diversified investment in hundreds of stocks with one purchase. Invest in the entire market without picking individual stocks.
💰
Low Fees
0.03~0.5%/year
📊
Diversified
100s of stocks
⚡
Real-time
Trade anytime
2. Beginner ETF Portfolio
2.1 Conservative Portfolio
| Asset | Ratio | ETF |
|---|---|---|
| US Stocks | 30% | TIGER 미국S&P500 |
| Global Stocks | 20% | KODEX MSCI World |
| KR Bonds | 30% | KOSEF 국고채10년 |
| US Bonds | 20% | TIGER 미국채10년 |
2.2 Balanced Portfolio (Recommended)
| Asset | Ratio | ETF |
|---|---|---|
| US Stocks | 40% | TIGER 미국S&P500 |
| KR Stocks | 20% | KODEX 200 |
| Emerging | 10% | TIGER 차이나 |
| Bonds | 25% | KOSEF 국고채10년 |
| Gold | 5% | KODEX 골드선물 |
💡 Simulate investment growth
Check with Compound Calculator →3. Asset Allocation Principles
3.1 Stock Ratio by Age
Traditional rule: "100 - Age = Stock ratio". At 30, start with 70% stocks, 30% bonds.
| Age | Stocks | Bonds | Risk |
|---|---|---|---|
| 20s | 80% | 20% | Aggressive |
| 30s | 70% | 30% | Active |
| 40s | 60% | 40% | Balanced |
| 50s | 50% | 50% | Stable |
3.2 Annual Rebalancing
When market changes alter your ratios, rebalancing restores the original allocation. Check your portfolio every January or on your birthday.
4. Monthly Investment Strategy
Monthly
500K
Return
7%
After 20y
2.600M
Dollar-cost averaging (DCA) - investing a fixed amount monthly - avoids market timing and lowers average purchase price.
5. Avoiding Investment Mistakes
❌ Don't
- • Chase short-term gains
- • Time the market
- • Concentrate in one stock
- • React to news
✅ Do
- • Stay invested long-term
- • Invest regularly
- • Diversify
- • Minimize costs
⚠️ Investment involves risk of loss. Only invest money you can afford to lose.