https://www.koreatimes.co.kr/www/biz/2024/08/488_381333.html
Why are young Koreans so desperate to invest?
Business consultant Choi Hui-ji, 26, aims to save 70 percent of her monthly wages. Of that, she invests about half in overseas exchange-traded funds through an individual savings account (ISA). Her goal is to own a home, a separate income-generating real e
www.koreatimes.co.kr
Traditionally, the primary participants in financial investments have been middle-aged and older adults, as the younger generation holds limited accumulated assets. The large-scale entry of younger people into the asset market is an unexpected and noteworthy trend, according to Han Young-sup, director of the Economic Care Research Institute.
"When it comes to any investment, the most fundamental principle is understanding that there's always a risk. If you have a strong financial foundation, you can afford to take bold, aggressive moves. But for the majority of young people who can't, investments tend to end in failure because the ability to endure losses is key in investment. Without that financial buffer, they end up resorting to risky, short-term trading," Han said.
"Society has shifted toward a survival-of-the-fittest mentality. The country isn't like Northern Europe with a strong social security system. There's also a lot of debate around issues like the national pension's depletion. The older generation largely discusses these matters from their perspective, leaving young people with little voice in the conversation," Han added.
"Young people are doing their best within the limited means available to them."
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