- 구체적으로 쓰면 구체적인 답이 옵니다. “장사가 안 돼요”보다 “월 매출 1,800만원, 임차료 250만원, 3개월째 하락 중”이 답을 받습니다.
- 종목 추천과 수익 보장 글은 삭제됩니다. 투자 이야기는 판단 근거와 데이터를 나누는 곳입니다.
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글을 쓰려면 로그인이 필요합니다. 읽기는 누구나 가능합니다. 초기에는 글이 많지 않습니다 — 먼저 쓰는 사람이 이 게시판의 분위기를 만듭니다.
House rule: frameworks over tips
Two rules for this board, and the reasoning behind them.
Rule 1 — no recommendations, no return guarantees. Under Korean financial law, recommending specific securities to an unspecified audience can fall under regulated investment advisory activity, whether or not money changes hands. Both the site and the poster are better off avoiding it.
Rule 2 — post the reasoning, not the position. "I bought X" is close to useless to a reader who does not know your capital, tax situation, holding period, or risk tolerance. "Here is how I evaluated it, and here is the data" transfers.
So this is welcome:
- Product structure — expense ratio, tracking difference, liquidity, and where the distribution actually comes from
- Tax structure — for Korean residents, domestically listed foreign-index ETFs have gains taxed at 15.4% and aggregated into financial income, while foreign-listed ETFs have gains taxed at 22% with a 2.5 million KRW annual deduction, assessed separately from other income
- Judgements that turned out wrong, and why
- Links to primary sources — issuer fact sheets, central bank and treasury data
A concrete example of the kind of question that works here. AGG has an effective duration of 5.80 years; TLT has 15.31 years (BlackRock fact sheets, 30 June 2026). A 1 percentage point rise in rates implies roughly -5.8% and -15.3% respectively. Both are commonly described as safe. SGOV, with a duration near zero, differs from TLT by a factor of roughly 150 in rate sensitivity. The word "safe" is doing a lot of hidden work there.
Also worth noting: between early July and mid-September 2026 the Fed target range did not move, but the 10-year Treasury yield rose from about 4.54% to 4.96%. Central banks set the short end; the market sets the long end. Rate cuts and long bond prices are not the same trade.
Nothing on this board is investment advice. Every instrument discussed can lose money.