Investment focused on large blue-chip stocks such as Samsung Electronics
3-year average return 44 %↑… 80% off
 Warren Buffett, Chairman of Berkshire Hathaway. (Photo=AFP) ◇ Focus on large blue-chip stocks, with a 3-year return of up to 83% According to FnGuide, a financial information company on the 1st, there are 22 funds under management classified as ‘children’s funds’ as of the 24th of last month. Most of them are domestic stocks, but there are other options such as stock mix, index, and global stock. The average return of funds with a set amount of 1 billion won or more over the past three years (a set amount of 1 billion won or more) is 44.26%. Although it is slightly lower than the average return of 45.83% of domestic stock-type funds during the same period, there is a big difference depending on the product. In the case of ‘Mirae Asset Woori Ichindia Industry Representative’, it achieved an 83.70% return during the period. It is a ‘10-year investment child’ fund. It is a product that pursues long-term growth by intensively investing in undervalued stocks and stocks with growth potential. This is much higher than the average return on children’s funds during the same period – minus 8.60%. Unlike other domestic equity-type children’s funds composed of stocks with the highest market capitalization, as of the end of November F&F(383220) ) (5.27%), S-Oil(5.21%), Mando(204320)(5.02%), Hyundai Motor Company (005380) Among children’s funds, the product with the highest management setting is the ‘Mirae Asset Woori Eye 300 million creation’ fund. As a long-term fund that mainly invests in stocks, as of the end of last month Samsung Electronics (005930)(16.36%), ‘Mirae Asset Global Great Consumer 1 (stocks) C-F’ (8.32%), SK hynix (000660) (5.14) %), etc. The recent one-year rate of return is -11.78%. In addition, there are ‘Shinhan Mother’s Love Children Accumulation Ceremony’, ‘Mirae Asset Woori Children Accumulation Ceremony’, ‘NH-Amundi Child Love Accumulation Ceremony’, and ‘Kiwoom Junior Accumulation Ceremony’. . Most of the children’s funds belonging to the domestic stock-type fund hold Samsung Electronics with the highest proportion. | ◇ “From seed money raising to economic education” The advantage of investing in funds such as children’s funds is that you can expect better returns in the long run compared to savings deposits. It is also possible to prepare for a gift. When parents transfer property to their children for free, they must pay gift tax. Children and grandchildren who are minors can enjoy tax-free benefits of up to 20 million won in 10-year increments. If you make a gift plan as soon as you are born, you can transfer 40 million won without tax until your child becomes an adult. Even if the valuation of the fund increases during the period, the gift tax is based on the evaluation based on the base price as of the date of the gift. If you invest in the accumulation type, you can choose the ‘pre-gift report (regular fund donation)’ method. If you sign up for a financial product in your child’s name for the purpose of gifting, and make a deposit of a certain amount each time, if you report within 3 months from the last day of the month in which the first payment is made, the gift tax on a lower amount than the lump-sum gift by applying the periodic payment method is charged In addition, the portion of operating income from children’s money that has already been donated is not subject to gift tax. Industry insiders say that the important thing in investing in children’s names, such as children’s funds, is to foster ‘economic independence’. Kim Dong-yeop, managing director of Mirae Asset Investment and Pension Center, said, “In the case of children’s funds, in the sense of investing in companies that will change the future, you can naturally develop a global sense by talking with your children about investment target companies. It will be more effective than raising seed money.”
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