[260925] "그야말로 허점 투성이"…한국판 트럼프 계좌 '우리아이자립펀드' - 소득 4단계·오락가락 출생일 속 진짜 문제 | 주식주부 리나 이효석아카데미

No, if you have no income, you don't
 have to pay a single penny and just
 give away all the information. Ah,
 that’s not right. I think it’s also
 a problem to exempt people from paying
 just because their income is high.
 Because you have to pay. If everything
 is free, it doesn't really feel like
 your own money, does it? Whether it’s
 10,000 won or 20,000 won, you have to
 pay. If you
 show that minimum willingness, the
 government will provide generous
 support. That’s
 right. So, that’s even more wrong.
 Because it has to be simple.
 Unconditionally. The Lee Ho-seok
 Academy Naver Premium Content Channel
 is the number one channel out of a
 total of 4,600 channels. To celebrate
 our 4th anniversary, we are holding a
 special event for the month of
 September only. First, we are offering
 a 50,000 won discount. If you try it
 for a month and aren't satisfied, we
 will refund 100%. That shows we are
 confident. Second, we invite you to the
 Hyoching Club, the undisputed number
 one investment community in Korea.
 Finally, at the end of the year, we are
 giving away a high-end investment diary
 called the PR Diary. Wait, with such
 great benefits, aren't you going to
 sign up? It's only running for the
 month of September, so don't miss out.
 Hello. This is Lee Yo-seok. Today, I'm
 joined by Lina. Hello.
 Hello. This is Stock Housewife Lina.
 When I say "This is Stock Housewife
 Lina," it gives off a certain YouTuber
 vibe. Now that our subscribers have
 surpassed 2,000, what should we do?
 We'll keep going
 until we reach 670,000. 670,000?
 We're currently at 690,000, and it
 looks like we'll reach 700,000 this
 week. No, let's take this down. No, we
 can't do this. We're heading towards
 700,000 now, but...ah, wait. Could you
 briefly introduce the Stock Housewife
 channel? Ah, the Stock Housewife
 channel is a YouTube channel for those
 who find ETF investing difficult even
 after watching the Lee Yo-seok Academy,
 or those who want to build a core asset
 base beyond just individual stock
 investing.
 Uh, this is a YouTube channel where
 Hanna and I teach you how to build a
 solid foundation for your assets over
 the long term by utilizing ETFs and
 long-term accounts. I’ll put the link
 on Thebo.
 Right away. Actually, I have this
 thought: while I give a lot of advice
 to people around me, there are some who
 feel that Lina and Hanna’s words
 resonate with them much more sincerely
 than mine. If you are one of those
 people, I really think you should
 subscribe. When I think about who those
 people are, they are the ones who say,
 "Hey, I don't really understand what
 you're saying. It sounds like good
 advice, though." Or, "I know what they
 mean by AI changing, but honestly, I
 can't quite figure out exactly what it
 is, yet I know I need to invest." But
 when it comes to actually managing
 things like ETF investments or pensions
, there is actually more to learn than
 you might think. Since this channel
 provides meticulous and detailed
 explanations on those topics, I hope
 you will take an interest in the "Stock
 Housewife" channel. The reason we
 invited you, Lina, is that I uploaded a
 video over the weekend explaining the
 Trump account. It garnered 600,000
 views. That shows just how incredibly
 hot people's interest is. I interpret
 this interest as a kind of "mixture."
 It's like
 people in Korea can't stand the
 jealousy. They think, "
Hey, America does that, but what about
 us?" I mean, regarding that Trump
 account, basically, when a child is
 born, you put about 1.5 million won in
 for the child, and then the parents put
 in another 7.5 million won, totaling 9
 million won a year. But then they ask,
 "Why don't we have this in Korea?"
 Isn't that why the numbers are so high?
 They think, "Look at this. I think
 people are sharing it a lot." But I
 heard that we actually have something
 like that in Korea, too. It would be
 great if you could introduce that to us
. Yes. While talking about the Trump
 account, you mentioned that we could
 just copy it exactly, and in the
 comments, people were saying things
 like, "America is the best," and "Don't
 we have anything like this in Korea?"
 That's what you were saying. But
 actually, it does exist. I mean, it
 doesn't already exist, but since we are
 planning to implement it next year
 based on birth years, I prepared a
 discussion about that. I see.
 So we do have thoughts on it, and we
 are prepared. That's right. Exactly.
 Right.
 The budget for next year was announced
 around the end of August, and if you
 look at the budget data, there was just
 a single page. It was titled the "Our
 Child's Place Fund," and the
 budget was estimated at around 140
 billion won. So, although it hasn't
 passed the National Assembly yet, it's
 actually a hot topic among mothers
 these days. I was thinking of
 discussing it on the "Stock Housewife"
 forum, but since you happened to be
 talking about the Trump account at the
 Lee Yo-seok Academy, I brought it here.
 So, how much is the budget for the "Our
 Child Fund"? I
 think the "Independence" one was around
 146.5 billion won.
 Ah, so actually, can't we allocate
 146.5 billion won for our children?
 Right? We have to.
 Of course.
 Ah, our country's current government
 budget is
 0.1 trillion won, not 800 trillion won.
 So, they say they won't even do this?
 That’s the thought that crosses my
 mind. But what exactly is the content?
 Well, if we look at it, there have been
 many programs supporting young people,
 such as "Youth Future Savings." So,
 there were many forms of support where
 the government would provide additional
 subsidies to those who were already
 young adults if they paid 500,000 won
 for three years. However, this "Our
 Child's Place Fund" is a fund designed
 to help build assets before one becomes
 a young adult, providing the necessary
 capital once they become young adults
—whether for continuing their studies
, starting a business, or becoming
 independent. But the concept behind the
 Trump account is this: when a child is
 born, the government just gives you
 money.
 And if you want to contribute more
 later, do so, and we’ll give you tax
 benefits. That’s what it is, right?
 How is it set up in our country right
 now?
 Ah, in our country, the government
 provides subsidies on a differential
 basis according to the parents 'income.
 This does vary slightly depending on
 whether the income falls between 50%and
 150%of the median income. First,
 if the income is below 50%of the median
 income, the parents do not make any
 contributions at all.
 Instead of the parents making any
 payments, the government provides 1.2
 million won per year. They
 continue to provide 1.2 million won
 from the time the child is born until
 they become a young adult at age 19.
 They
 keep providing it.
 Yes. Oh.
 So, that amounts to about 22.8 million
 won in government subsidies. Therefore,
 if payments are not discontinued and
 continue steadily during that period,
 the
 fund is managed with a target return of
 about 6%per year, and the profits are
 given to the child when they become a
 young adult. That is how it works. Oh,
 I see.
 Yes. So, if the income is low, the
 government provides more support, but
 if the income rises above that—for
 the 50%to 100%range—if the parents
 contribute 500,000 won, the government
 contributes 1 million won. In other
 words, the
 government contributes twice as much as
 the parents.
 Ah,
 right. In that case, I don't think
 there is much reason not to do it.
 Since parents can pay the 500,000 won
 monthly premium, it would be worth it
 if possible. Also, if my median income
 is between 100%and 150%of my family's
 median income, they say they will match
 it 1: 1. However, incomes exceeding 150
%are not eligible. So, while there are
 slight differences depending on the
 income criteria, the government is
 essentially providing about 1 to 1.2
 million won in support for the child.
 Since this is a fund, it seems the
 exact investment products haven't been
 decided yet. However, it is a fund that
 aims to generate a return of around 6%
to deliver up to 70 million won when
 the child becomes an adult.
 Ah, the intention is really good, but I
 think there might be some controversy.
 Viewers of this broadcast will likely
 be thinking, "If there is no income,
 they don't pay a single penny and just
 give away all the information?
 Ah, that's not right." I think there
 might be people who think that way. No,
 asking me to pay more just because my
 income is high? Ah, I think there might
 be some controversy regarding this as
 well. Honestly, I felt that such
 measures were somewhat unnecessary. I
 think it is problematic to simply make
 people pay a small amount and exempt
 them from paying just because their
 income is higher. Because they have to
 pay, too. If everything is free, it
 doesn't really feel like my own money,
 does it? Whether it's 10,000 won or
 20,000 won, you have to pay. So,
 instead of making people pay 500,000
 won or 1 million won, shouldn't we just
 level the playing field? Like asking
 them to pay just 100,000 won or 50,000
 won, and then having the government
 provide support?
 If they show that minimum willingness,
 the government should provide
 substantial support. That is
 correct. Because it involves their own
 money. If you think about it—for
 example, if a child is born and you go
 through the trouble of paying money,
 opening an account, and doing something
—isn't it right for the government to
 say, "We will give you money just for
 doing that"? I think it would be good
 if you could review this again. You are
 dividing people into grades, right? How
 many income levels are you dividing it
 into?
 Right now, it's divided into four
 levels.
 So, that is wrong from the start.
 Because it has to be
 simple. Absolutely. We know we have to
 do this, don't we? When moving from one
 point to another, if there is even one
 step in the middle, we stop. A
 hurdle is created. There shouldn't be
 any hurdles. So, you have to know which
 income level you are in to prove your
 income, right? It makes
 sense to just do it without wasting
 time on that. So, instead of giving
 everyone a lump sum, I think it would
 be much better to reduce the amount and
 just distribute it based on income. I
 hope you will take this into
 consideration. There is
 one more point of controversy here,
 though. In fact, it's not just about
 the differential payment amount; the
 question of which child it applies to
 and when the child was born is
 currently a very hot topic of debate.
 In the case of the Trump account, it
 operates by covering the period from
 January 2015 to December 2018—that is
, covering children from those already
 born to those yet to be born. However,
 in this case, it hasn't been decided
 yet. Initially, they said yes, it would
 be given to children born starting in
 July 2027, then they said January 2027,
 and now they are saying September 2026.
 So, it is currently quite ambiguous.
 Since I gave birth last year, I would
 be eligible for the Trump account, but
 this is a very
 puzzling and regrettable situation. It
 must be a
 very sensitive issue, right? If it
 doesn't work out, you should take a
 close look. Let's assume it starts from
 September 2026. Then the baby has to be
 born in August. The date is set for the
 end of August.
 So what happens? The surgery date is
 currently August 29th. Then this is
 completely...this is a story that is
 bound to be highly controversial. In
 addition, the question of whether
 this will be tax-exempt or subject to a
 low separate taxation rate is currently
 a hot topic. There were reports that it
 was under review, but looking at the
 press release from the Financial
 Services Commission, they stated, "No,
 nothing has been decided." When making
 comparisons, they are essentially
 saying that it is tax-exempt.
 Therefore, comparing this with the
 current situation, the two main points
 of contention seem to be whether there
 will actually be tax benefits and to
 which the child will be born to receive
 them. We are closely monitoring the
 situation and will provide an update
 later. This is actually a proposal I
 made during the presidential candidate
 debates. I suggested that when a child
 is born, they should simply be given
 money to buy KOSPI ETFs. I argued that
 if this happens, the entire public's
 interest in the KOSPI rising will align
, leading to calls to "do it
 unconditionally." I claimed that
 companies like Samsung Electronics and
 SK Hynix would not be able to act as
 they please, and that their value would
 rise. It seems that this has now begun.
 It is very good that they started, but
 I think they really need to do a good
 job right from the start to avoid
 controversy. However, I think if this
 video is released already, there will
 be a huge controversy in the comments.
 People will say things like, "Hey, is
 it right that they can't do that?" or "
If that's the case, do it from July,"
 or "Do it from June." Since it has to
 pass, we should do it
 before then. Or, just like we blocked
 the ISA reform by raising our voices as
 much as possible, I think we should try
 speaking up as well.
 But I actually think the fact that this
 is creating controversy is a good thing
. That is how interest is generated;
 otherwise, there wouldn't be any
 interest, right? So, it starts with the
 sentiment of "I am envious of my own
 country," but we are asking for it to
 be applied. Right? Ultimately, looking
 at this from a macroscopic perspective
 in the big picture, I have this thought
: What will the world be like in the
 future? I
 think they will give us more money. If
 we go to
 the countryside where our parents live,
 there are elderly people standing at
 crosswalks on the street, telling
 people not to go. I heard that person
 mentioned there is a traffic light
 system and said they would pay you if
 you did that. In my opinion, it’s not
 just this; I
 think there will be more instances in
 the future where people are paid for
 doing tasks that aren't really
 necessary. This is likely because
 discussions about AI and basic income
 are emerging. This is probably part of
 that. However, if we consider how much
 less money is required, I believe it is
 about making the financial market
 healthier and opening up opportunities
 for us to earn money through investment
. If we are heading in that direction,
 what we need to do is clear. So, if you
 visit the "Stock Housewife" channel and
 say you can handle ETFs even if I can't
 handle individual stocks, it is very
 important to learn the methods and
 start as soon as possible. Of course.
 If you come to the "Stock Housewife"
 channel, we will explain in detail how
 to operate the trading machine, and you
 can also watch my "Yangshin Confession"
 or Hanna's acting feat show, so I think
 it would be good to subscribe right now
. Understood. Now, Lina is appearing
 today for the first time in a while,
 and since she is discussing a very
 controversial topic, I expect there
 will be a lively discussion in the
 comments. Uh, but I noticed you
 prepared something while I wasn't
 looking. You know, something you
 prepared together with me.
 That's right. Our' Stock Housewives '
Team—Hanna, myself, and CEO Lee
 Ho-seok—is planning to arrange a
 session soon to hear about the
 difficulties you are facing regarding
 the ETF investments and long-term
 accounts that we mentioned earlier. I
 will let you know the details shortly.
 Understood. Okay then,
 that's all for today with Lina. We will
 see you next time. Thank you.