πͺ My Investment Strategy (Investment Strategy) β
"If philosophy is the compass, strategy is the engine."
My long-term strategy focuses on repeatable rules and fewer unnecessary emotional decisions. Philosophy defines the destination and decision criteria; strategy defines what happens, and in what order, after income reaches the account.
To remain usable for decades, the process must be simple enough for me to understand and audit. Automation does not remove market risk; I use it to reduce repetitive orders and impulsive intervention.
My investment process is designed and executed based on the following 4 Core Pillars. In particular, going beyond a simple Dollar Cost Averaging (DCA), an independent KCA system optimized for the KRW cash flow of Korean office workers forms the center of these 4 pillars.
ποΈ 4 Core Pillars of the Investment Strategy β
1. KCA Accumulation Strategy
I contribute the same KRW amount without making a new exchange-rate forecast for every purchase. The rule does not remove currency risk; it reduces repeated decisions.
2. Automated Investment Strategy
Scheduled transfers and fractional auto-purchases reduce manual orders. The process also includes periodic checks for feature changes and failed or unintended orders.
3. Asset Allocation & Operation Strategy
Builds a core planet (Index ETF) and surrounding satellite (individual stocks) model to adjust asset weightings, and practices 'buy rebalancing' by setting different monthly cash injection ratios instead of buying and selling assets to rebalance.
4. ETF Selection & Tools Guide
A personal checklist for reviewing AUM, liquidity, fees, index methodology, and prospectuses, together with the research tools I use.
π§ Execution Workflow: How to Roll the Snowball β
My investment strategies work organically with each other to help achieve the final goal.
βοΈ The Meshing of Gears: A Self-Rolling Snowball β
The moment the fuel (KRW) called salary is injected, these 4 pillars and the execution workflow start to mesh and run on their own, just like the delicate gears of a Swiss watch.
On scheduled business days, the system places a predetermined order without requiring a new judgment about the exchange rate or market level. The account value can still fall, and an automated order can fail or execute differently from the plan.
The purpose is not to guarantee a return. It is to make a predetermined plan easier to repeat while preserving time for work and daily life.
The detailed pages below document each rule's formula, implementation, change risk, and limitations.