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해외에서 뱅가드 인덱스 펀드(Vanguard Index Funds) 투자하는법 (싱가포르, 두바이 등)

저에게 하시는 질문 중 가장 많이 받는 것 중 하나는 “미국에 살지 않는데, 미국 외 다른 나라에서 어떻게 뱅가드 인덱스 펀드에 투자할 수 있는지”입니다.

싱가포르(Singapore), 인도(India), 뉴질랜드(New Zealand), 호주(Australia), 홍콩 (Hong Kong), 두바이(Dubai), 영국(UK), 카타르(Qatar) 등 전 세계 각국에서 계속 질문을 주시는데요. 이에 대해서 크게 두 가지를 우선 말씀드리고자 합니다. 

뱅가드 인덱스 펀드
이미지 제공: 뱅가드

우선, 뱅가드가 좋은 펀드이기는 하지만, 같은 방식으로 운용되는 유사 펀드가 수 없이 많습니다.

뱅가드가 원조이기는 하지만, 대표적인 대기업 3-4개를 포함한 그 밖의 수 많은 회사들 역시 거의 동일한 인덱스 펀드, 트래커 펀드를 제공하고 있습니다. 비용, 포트폴리오, 성과가 다 유사하고, 사실상 거의 동일하다고 볼 수 있습니다.

두번째, 뱅가드는 전 세계 여러 국가에 거주하는 다양한 사람들을 직접 고객으로 다 받기 어렵습니다. 반면, 제가 아래 글에서 언급한 여러 플랫폼들은 그 분들에게 뱅가드 및 유사 펀드를 제공해드릴 수 있습니다.

아래 영상도 참고하시기 바랍니다.

나이지리아(Nigeria), 이란(Iran), 파키스탄(Pakistan) 등 블랙리스트 국가나 투자가 제한되는 국가에 거주하고 계신 분께는 아래 영상도 도움이 될 것입니다.

*업데이트*

마지막으로, 정말 많은 분들이 최근에 “지금이 투자 적기인가요?”라는 질문을 주시는데요.

제 답변은 이렇습니다.

  1. 장기 투자를 하시는 거라면 ‘지금’은 언제든 적기입니다.
  2. 마켓 타이밍(Market timing)을 완벽히 할 수 있는 사람은 없습니다. 최근 상황(lower valuations)은 투자하기 좋은 기회이기는 하지만 만일 현금화 할 일이 생긴다면 그 기회의 매력은 감소할 것으로 보입니다.
  3. 이번 코로나바이러스 팬데믹(Covid-19)과 관련한 위기는 많은 사람들에게 DIY투자가 적절치 않다는 것을 보여주었습니다. 기술적으로가 아니라 감정적· 심리적으로요. 공황매도(panic selling)하는 사람들 숫자는 세기도 어려울 정도였죠.
  4. 아래 그래프를 보셔도 아시겠지만, 많은 사람들이 비싸게 사고(1999) 싸게 팝니다(2008, 2020).

Picture1

5. 이번 위기는 다시 한 번 주식과 채권 인덱스를 동시에 보유해야 할 필요성을 확인해주기도 했습니다. 채권은 장기적으로 주식을 뛰어넘을 수 없지만, 통상적으로 2008년 위기나 그 밖의 위기 상황에서는 오르는 경향이 있습니다. 

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Adam is an internationally recognised author on financial matters with over 830million answer views on Quora, a widely sold book on Amazon, and a contributor on Forbes.

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