2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
This article is all about what AI trends will emerge in the field of creative operations in 2024. All the marketers and brand builders should be aware of these trends for their further use and save themselves some time!
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
This article is all about what AI trends will emerge in the field of creative operations in 2024. All the marketers and brand builders should be aware of these trends for their further use and save themselves some time!
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
22. 채권 ( 시장금리 추이 )
자료 : 한국은행 (90 일 CD 유통수익률 )
정기예금 세후 생활 물가상승률 실질이자율
4% 3.5% 4.9% -1.4%
23. 아파트 매매가격지수
자료 : 국민은행
█ 아파트 매매가격지수 ( 전국 )
(’86 년 ~ ’10 년 )
1954 년 ~1965 년 베이비붐 세대 경제발전
1990 년대 30 세 ~40 세 25 평 ~30 평대
2000 년대 40 세 ~50 세 40 평 ~50 평대
2010 년대 50 세 ~60 세 퇴직
2020 년대 60 세 ~70 세 ?
42. 연금 경험생명표
경험 적용 연금 35 년
평균수명
생명표 시기 연액 총액
2회 91 ~ 96 6,061 만 21 억 2 천
남 68.4 세
3회 97 ~ 02 5,740 만 20 억 1 천
여 77.9 세
남 72.3 세
4회 02 ~ 06 5,505 만 19억 2천
여 80.9 세
남 76.4 세
5회 06 ~ 09 4,828 만 16억 9천
여 84.4 세
남 78.5 세
6회 10~ 12 4,393 만 15 억 3천
여 87.4 세
18회 47 ~ 50 ? ?
3 회 가입자 比 6 회 24% 연금액 감소
47. 회사별 주요 VUL 상품 비교분석
자료 : 생명보험협회 (201 2 .04.02 )
48. 비합리적인 투자 시스템 => 월저축 투자계획
기간 1월 2월 3월 4월 5월 total
투자자금 100 만원 100 만원 100 만원 100 만원 100 만원 500 만원
주가 1,000 500 1,000 1,500 1,000 평균 882
구입주식수 1000 주 2000 주 1000 주 666 주 1000 주 5666 주
1600
투자결과 평가
1400
+50% -33%
1200
총 투자금액 : 5,000,000 원
1000 60 세
총 보유주식 : 5666 주
800
-50% +100% 현재 주식펀드 기준가 : 1,000
600
400
적립금 : 5,666,000 원
200 투자수익률 : 13.3%(5 개월 )
0 연 환산수익률 : 31.9%
1월 2월 3월 4월 5월
49. 월 저축 자산배분의 원칙
기간 목표 비율 조정
30% 단기저축
주택마련 , 투자자금
단기 70%
결혼자금 , 사업자금
70% 적립식펀드
자녀교육자금 VUL, 변액연금
장기 30%
은퇴자금
보너스 소득공제 연금저축 / 신탁 / 펀드 33 만원
58. 마크앤파이낸스 IFA 센터
채권시가평가
- 일반채권 ( 국채 / 공사채 / 회사채 등 ), 외화채권 , C D /
C P,
주식파생상품 , 금리파생상품 , 신용파생상품 등 평가
- 평가수익률 및 단가 산출 제공
- 기준 수익률 Matrix, 채권지수 , Yie ld C u rve 산출제공
자산관리컨설팅
- 자산배분 포트폴리오 구축 및 모니터링
- 주식 직접투자 컨설팅
- 펀드평가 및 컨설팅
- 채권투자서비스
- 금융 / 보험상품 통합관리 프로그램
- 은퇴자산 컨섩팅
- 월저축 자산증식 프로그램
펀드평가
- 펀드투자 모니터링
- 펀드 컨설팅
- 펀드평가 및 보고서 서비스
- 펀드데이터 서비스
- 펀드평가 ac 운용지원 솔루션 (F u n d Plu s ) 제공
59. 〈 B o b Ve re s – Fin an c ial j u rn alis t in th e U n ite d S tate s 〉
o
In th e fu tu re , wh e n p e o p le m e e t s o m e o n e with a h ap p y life , th e y will as k,
‘Wh o is yo u r fin an c ial p lan n e r? ’
감사합니다 .
서울 서초구 잠원동 37-12 논현빌딩 2 층 ㈜마크앤파이낸스 IFA 센
터
WM 오 형 근 센터장
Tel. 02-6713-1446
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Editor's Notes
여기 우리나라의 금리추이를 나타내는 표가 있습니다 . 금리추이를 보면 1990 년대 초반만해도 15-20% 수준이었으나 그이후 IMF 때만 잠깐 제외하고 매년 하락하여 현재는 4% 후반 - 5% 수준에서 결정되어지고 있습니다 . 물론 최근 금리가 좀 높아졌지만 그 상승은 한계가 있을것 같고 저금리 추세는 계속해서 이어질 것 같습니다 . 금리가 높은 예전에는 특별한 투자를 하지 않더라도 금리가 높아 문제가 없었으나 지금과 같은 저금리에서는 자산가치를 높이기 위해서는 물가상승률을 뛰어 넘을 수 있는 투자를 하여야 합니다 . 현재 시중은행의 정기예금 금리가 가장 높은 곳이 5% 정도인데 세금을 제외하면 세후 4.2% 입니다 . 그러나 2005 년 생활물가 수준이 4.9% 였는데 물가상승률을 제외하면 실제로는 0.7% 자산가치가 하락한 셈입니다 . 그래서 투자가 중요한 것입니다 . 그러면 앞으로의 투자전략을 위하여 각 자산별 투자전망에 대해서 알아보도록 하겠습니다 . 일반적으로 개인들이 투자할 수 있는 곳은 보통 정기예금인 채권과 주식 그리고 부동산이 있을 수 있습니다 . 먼저 채권을 살펴보면 앞에서 말씀 드렸듯이 계속해서 금리가 하락하고 있고 최근에 금리가 조금 상승하였지만 상승에는 한계가 있을 것 같고 전체적으로는 저금리 기조가 계속 유지될 것으로 보입니다 . 날씨로 얘기하면 계속 흐리다가 최근에 햇볕이 조금 들고 일지만 햇볕이 계속될 것 같지는 않습니다 .
그리고 수익을 얻기 위해서는 장기펀드와 단기펀드를 둘 다 가지고 있어야 합니다 . 일반적으로 GDP 는 그 나라의 주가와 일치하기 마련입니다 . 그러나 주가는 경제성장률이 높을 때 성장성보다는 경제성장이 하락하는 선진국으로 진입하는 과정에서 안정성이 확인될 때 주가상승이 커지는 경향이 있습니다 . 미국의 경우에도 1960 년부터 1980 년까지는 주가가 1000 에서 왔다 갔다 했지만 1982 년부터 2000 년까지 주가가 10 배 상승하여 현재 12000 을 가고 있습니다 . 현재 미국의 60 대들은 굉장히 부유한 편인데 1985 년에 기업연금인 401K 가 시행되면서 은퇴할 때 까지 계속적으로 주식으로 저금한 자산이 주가가 10 배가 상승하면서 큰 부를 축척할 수 있었습니다 . 기업연금 특성이 은퇴까지 돈을 찿을 수 없었기 때문에 장기투자가 결국 돈을 벌게 해주었습니다 . 그러나 똑같이 주식투자를 하고도 단기로 투자한 사람은 이 시기에 주가가 10 배가 상승할때 샀다 팔았다 하는 과정에서 2.8 배 밖에 수익을 내지 못했습니다 . 그래서 주가가 상승기에 있을 때에는 장기펀드를 가지고 있어야 그 수익을 한꺼번에 모두 가져올 수 있습니다 . 특히 개발도상국에서 선진국 진입 시기는 보통 15-20 년 이상이 걸리기 때문에 이 시기에 주가가 상승한다면 20 년 이상의 장기펀드를 하나 정도는 꼭 가지고 있어야 합니다 . 그리고 주가가 상승과 하락하는 과정을 대비하여 단기펀드를 가지고 있어야 합니다 . 결국 주식으로 수익을 가져가기 위해서는 장기펀드와 단기펀드를 두개 다 가지고 있어야 합니다 . 일반적으로 장기펀드는 시간이 긴 만큼 은퇴나 교육자금 중심으로 VUL 로 계획을 세우고 단기펀드는 주택자금 , 사업자금 등 단기목표를 중심으로 적립식펀드로 투자계획을 수립합니다 . 특히 적립식 펀드는 누적 평가금액에 수수료가 붙기 때문에 기간이 길어지면 수수료가 점점 커지기 경향이 있습니다 . 예를 들면 보통 적립식 펀드의 수수료는 연 2.5-3% 인데 매월 100 만원씩 투자하여 10 년이 되어 2 억 되었다고 하면 수수료가 2.5% 라고 하면 연 500 만원을 수수료로 지불하여야 합니다 . 그러면 1 년에 1200 만원을 불입하는데 5 개월치가 수수료면 말이 안되지 않습니까 ? 그래서 적립식펀드는 3-5 년에 적립금이 커지면 목돈은 찿아서 따로 관리하고 다시 적립식펀드에 투자하는 것이 합리적입니다 . 그래서 적립식펀드는 장기보다는 단기펀드 중심으로 운용하는 것이 바람직합니다 .
주식형펀드를 투자하는 방법 중 가장 효과적인 방법은 정액식 분활투자 기법인데 일시에 목돈을 투자하는 것보다 매월 저축으로 펀드에 투자하면 수익성과 변동성 측면에서 잇점이 있습니다 . 여기 그래프를 보시면 일시에 목돈을 투자했을 때에는 주가가 상승과 하락을 하였지만 처음과 마지막 주가가 1000 이므로 수익은 발생하지 않습니다 . 그러나 매월 100 만원 나누어 투자했을 때에는 66 만원 13% 의 수익이 발생합니다 . 이것은 2 월과 4 월을 구체적으로 비교해보면 잘 알 수 있는데 2 월은 주가가 500 에서 1000 으로 상승하여 +500 이 되었고 반면에 4 월은 1500 에서 1000 으로 하락하여 -500 이 되었습니다 . 그러면 500 상승 500 하락하면 수익이 없는 것이 맞습니다 . 그러나 월 저축 정액식 투자기법을 사용하면 달라집니다 . 2 월에 100 만원을 투자하면 주가가 500 에서 1000 으로 500 상승할 때 이 돈은 200 만원이 되어서 100 만원의 수익이 발생합니다 . 반면에 4 월에 100 만원을 투자하면 주가가 1500 에서 1000 으로 -500 하락할 때 -33 만원의 손해를 봅니다 . 그럼 똑같이 500 상승 -500 하락 하였는데 상승할 때는 100 만원 이익이고 하락할 때는 -33 만원 손해가 났습니다 . 이것이 정액식 투자의 비밀인데 똑같이 상승과 하락을 하여도 상승할 때는 수익이 더 많이 나고 하락할 때는 손실이 작아집니다 . 그래서 목돈으로 일시에 투자하는 것보다 정액식 투자기법을 활용한 월 저축으로 주식에 투자하면 수익성이 더 좋아지는 잇점이 있습니다 . 그리고 목돈을 일시에 투자하면 투자기간에 상관없이 매일 주가 변동에 그대로 이익과 손실을 보기 때문에 변동성이 크다는 위험이 있습니다 . 그러나 정액식 월 저축투자는 투자기간이 길어질수록 변동성이 작아지는 특징이 있는데 예를 들어보면 매월 100 만원씩 5 년을 투자했다고 하면 오늘 주가가 10% 상승 또는 10% 하락을 하여도 펀드금액은 주가변동 만큼 그렇게 많이 변하지 않습니다 . 오늘 주가 상승하락에 60 번의 투자시점이 다 다르기 때문에 60 번 투자투자금액이 변해서 나오는 평균수익은 오늘 주가 변동폭 보다는 항상 작게 움직입니다 . 그래서 투자기간이 10 년 20 년 이렇게 길어지면 주가변동에 대한 위험성은 거의 미세하다고 보면 될 것 같습니다 . 그래서 월 저축 정액식 분할투자는 수익성이 더 좋아지고 변동성이 작아지는 특징 때문에 최근 적립식 펀드와 VUL 로 많이 투자가 되고 있습니다 .