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주재원•해외 거주자 분들을 위한 투자, 자산관리

주재원, 디지털 노마드, 이민자, 어떤 경우이든 간에 해외에 거주하고 계신 분들은 자산관리 및 투자가 비교적 더 까다롭게 느껴질 수 있습니다. 언제 어느 나라로 또 이동하게 될지 모르는 경우가 많기 때문이죠. 설사 이민을 결심하고 해외로 가신 경우라 하더라도 사람 일은 모르는 거라 언제 어떻게 다른 나라로 움직이게 될지 혹은 한국으로 돌아오게 될지 아무도 모릅니다. 

두바이, 사우디 아라비아, 호주, 뉴질랜드, 싱가포르, 카타르 혹은 영국이나 독일 등 유럽 국가.. 어느 나라로 가게 될지 모르죠. 

저는 이런 분들을 수 없이 많이 뵈었고 대다수 제 고객 분들을 위해 전문적인 서비스를 제공하고 있습니다. 

지리적 무제한성

2-30년 한 국가에서만 근무하는 형식의 주재원은 거의 없고, 디지털 노마드는 말 그대로 노마드적인 삶을 사는 분들이라서 여러 국가를 단기적으로 옮겨다니죠. 이민을 간 경우라 해도 생각했던 것과 달라서 몇 년 후에 국가를 옮기거나 한국으로 돌아오시는 분들도 있어서 마찬가지입니다. 

투자 계좌를 개설하시고 자산 관리를 하실 때 이 점이 굉장히 중요합니다. 후에 국가를 옮기더라도 그 동안 투자해온 자산은 영향 받지 않아야 한다는 거죠. 내가 언제 어느 국가로 옮기든 상관 없이 top-up할 수 있어야 하고, 내 돈은 그대로 나를 위해 일하고 있어야 합니다. 

ETFs의 효율적 활용

요즘 ETF가 굉장히 많죠. 괜찮은 ETFs를 적절한 방향과 방법으로 잘 활용하면 비용은 크게 줄이면서 투자 수익을 극대화할 수 있습니다. 

아래와 같은 포트폴리오를 예시로 들 수 있는데요. 저는 제 고객들의 개개인별 상황과 위험성향 등을 고려해서 개인 맞춤형 서비스를 제공하고 있습니다.

Picture1

대체 투자의 효율적 활용 (기존 포트폴리오 내)

ETF에 투자하고 있는 기존 포트폴리오 내에서 대체 투자를 적절히 활용하는 게 이득인 경우가 있습니다. 

80대 20 법칙.

80%는 S&P500이나 MSCI world같은 비교적 안전 자산에 장기 투자함과 동시에 나머지 20%는 좀 더 흥미로운 자산에 투자하는 건데요. 보통 개인 투자자 분들이 직접 접하기는 어려운 상품인 경우가 많습니다. 

높은 수익성

장기적으로 미래에 어떤 시장 충격이 발생할지, 시장이 언제 어떤 움직임을 보일지 정확하게 예측할 수 있는 사람은 없습니다. 하지만 투자에 성공하고 싶다면 명심해야 할 한 가지 분명한 사실은 다음 세 가지 입니다.

  • 장기 투자할 것
  • 절대 market-timing이 가능하다고 착각하고 시도하지 말 것
  • 글로벌 다변화할 것

자주 묻는 질문 (FAQs)

  1. 최소 투자 가능 금액은 얼마인가요?

적립식의 경우 매월 750USD, 거치식의 경우 USD100,000부터 시작하실 수 있습니다.

2. 수수료는 얼마인가요?

제 수수료를 포함한 총 수수료는 통상 1%입니다. 하지만 구체적인 투자 금액에 따라 약간씩 상이할 수 있습니다. 500,000USD 이상인 경우 수수료가 더 저렴합니다.

3.현재 시장이 고평가/과대평가 되었다고 보시나요?

옛날 어르신들도 “요새 애들은~” 이라는 말씀을 지금과 마찬가지로 하셨다고 하죠. 시장도 마찬가지입니다.사람들은 시장이 고평가 됐다는 이야기를 200년 넘게 하고 있으니까요.

궁극적으로 시장은 크게 보면 언제나 가치가 오르는 방향으로 움직여왔습니다. 

포드 모델 T 혁신은 100년도 더 넘었습니다. 인공지능(AI)이나 그 밖의 신기술들이 오늘날의 혁신을 이끌고 있죠. 50년 후에 가장 크고 잘 나가는 회사들을 보면 아마 오늘 날의 아마존이나 애플은 한 물 간 회사로 보이게 될지 모릅니다.

4. 해외에 거주해도 영국에 투자할 수 있나요? 

물론이죠. 하지만 영국 당국의 규제를 받는 펀드에 투자한다는 것이 ‘영국에’ 투자한다는 것과 같은 의미는 아닙니다.

5. 다른 서비스도 제공하나요?

부동산, 이민 관련 서비스도 일부 제공합니다.

6. 연락처는요?

※이메일: ​koreandesk@adamfayed.com

※카카오톡 Kakao Talk: adamfayed

※왓츠앱 Whatsapp/ 라인 LINE: +81-90-9851-0589

※위챗 WeChat: Thefayed2 

※링크드인 : You can add me here.

※웹사이트: https://adamfayed.com/#contact-me

7. 제한사항은요?

몇 가지가 있습니다. 가령 미국 등 일부 국가에 거주하고 계신 분들은 제가 고객으로 받을 수 없습니다. 다만, 미국인이지만 해외에 거주하고 계신 분은 가능합니다.

여러 국가에 많은 분들/공급자들과 네트워크가 있으니 문의 사항이 있으시면 연락주세요.

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