Park Gom-hee's Pension Wealth Class: Making 3 Million Won a Month with 4 Accounts (250,000 Copies Sold Limited Edition)

Author Park Gom-hee · Publisher Influential Inc. · Published 2025-06-25 · ISBN 9791168342941

Book Introduction

"How to secure a lifelong income, like a salary, even after retirement!"
The new work from 'Park Gom-hee TV', Korea's top pension mentor, verified by 810,000 subscribers.

"I'm preparing for retirement, but am I doing it properly?" This is a question most office workers ponder. Millions of won accumulate in retirement pension accounts, but they are left idle as cash, while stock investments are limited to pocket money. Many join pension savings but don't know which products to choose, relying solely on bank staff recommendations. As these concerns mounted, many began to seek answers on YouTube, and at the center of it was 'Park Gom-hee TV'.
Park Gom-hee, who built trust among individual investors with the bestseller "Park Gom-hee's Investment Method," is finally releasing his new work "Park Gom-hee's Pension Rich Class" after five years. This book is a compilation of pension investment know-how verified by 810,000 subscribers, going beyond simple investment techniques to offer fundamental solutions for designing a life free from poverty in old age.
The biggest feature of this book is the application of the '4% rule', a stable asset withdrawal strategy, to pension design. By utilizing this proven methodology, which states that withdrawing 4% annually from retirement funds prevents depletion for over 30 years, it concretely presents how to create a 'never-ending cash flow' where the principal is preserved and only the profits are used for living. The core is the systematic use of four accounts. It introduces ways to maximize tax benefits and prepare stable retirement funds by strategically managing pension savings, IRP, and ISA.

"The Pension Rich Roadmap, completed with four accounts!"
How to secure a lifelong income of 3 million won per month, like a salary, even after retirement.

"Park Gom-hee's Pension Rich Class" systematizes pension preparation into three stages: contribution, operation, and receipt. First, in the contribution stage, it introduces how to strategically utilize 'four tax-advantaged accounts': two pension savings funds, a savings IRP, and an ISA. This is a wise design that secures both tax benefits and liquidity by managing tax-deductible and non-tax-deductible pension savings separately. The author presents specific portfolios and contribution strategies step-by-step, depending on individual investment capacity, from 500,000 won to 2 million won per month.
In the operation stage, it guides five investment methods that even novice investors can easily follow, by difficulty level. Starting safely with MMFs and interest-bearing ETFs, moving through TDF's automatic operation system, and choosing between monthly dividend ETF strategies and asset allocation portfolios. In particular, it details how to maximize returns through customized investment strategies for each account. It suggests investment methods optimized for the characteristics of each account, such as using asset allocation for pension savings, TDF for savings IRP, and monthly dividend ETFs for ISA.
In the receipt stage, it reveals the '5-step golden formula' known only to pension rich individuals. It systematically guides through all processes after pension commencement, from consolidating pension accounts to switching to a monthly dividend-focused portfolio, optimizing taxes, choosing the receipt method, and deciding on self-dividend. According to the scenario presented by the author, investing 500,000 won per month for 22 years with an annual return of 7% can accumulate 300 million won, and managing this with monthly dividend ETFs can create a stable cash flow of 3 million won per month when combined with the national pension. This is a realistic roadmap for ordinary office workers to become pension rich without complex investment knowledge or a large lump sum.

1. Contribution: Maximize tax benefits with four accounts
"Reduce taxes, increase compounding!"

· Account 1: Pension Savings (Tax Deduction ○)
· Account 2: Pension Savings (Tax Deduction ×)
· Account 3: Savings IRP
· Account 4: ISA

2. Operation: Customized investment methods from 500,000 won to 2 million won per month
"Invest according to your income!"

500,000 won/month ▶ 1,000,000 won/month ▶ 1,500,000 won/month ▶ 2,000,000 won/month

3. Receipt: Complete lifelong cash flow with monthly dividend ETFs
"Let your pension work for itself!"

Monthly Dividend ETF ▶ Principal Preservation & Monthly Cash Flow

"If you start now, you too will be pension rich in 20 years!"
'Pension Rich Class' starting with 500,000 won per month

The greatest appeal of this book is its 'practicality'. The author asserts that "the path to becoming pension rich is not a complex or arcane secret." Indeed, pension rich individuals in the U.S. succeeded not with special investment knowledge but with pension systems and 'consistent practice' within those systems. The author is confident that all the infrastructure is already in place in Korea.
Even more surprising is how low the barrier to entry is. To the concern, 'I don't know much about bonds, how do I buy bond ETFs?', the author gives a clear answer: "Just as you don't fully understand the engine structure before learning to drive, investing can start with the simple realization, 'Ah, pressing the right pedal makes it go!'" This means that a courageous first step is more important than perfect knowledge.
The author conveys a powerful message to readers. "In the future, new investment themes like semiconductors, Bitcoin, and Neom City will constantly emerge around you, and stories of people making big money will disturb your mind. But the place where we should entrust our old age lies in the obvious principles of asset allocation and dividend investing."
Act now. If you're in your 30s, you have 30 years left; if you're in your 40s, you have 20 years. Even if you're in your 50s, it's not too late. The moment you take the first step according to the strategies in this book, your old age will change. If 500,000 won a month is too much, start with 200,000 won, or even 100,000 won if that's difficult. What's important is not 'a perfect plan' but 'acting now'.

Table of Contents

Prologue_I await your comments in 30 years
“Park Gom-hee’s Pension Rich Class” at a glance

Part 1. A never-ending flow of money, start now

Chapter 1. Becoming Pension Rich to Transform Your Life in Old Age
Is your old age truly secure?
3 mistakes that make old age poor
120 years of Nobel Prize secret: Why are tax-advantaged accounts the answer?
How to create your own Nobel Foundation

Chapter 2. How much retirement fund do you need?
How much can you actually receive from the National Pension?
Retirement preparation roadmap for your age
What is your retirement fund goal?: A realistic 300 million won vs. a quite good 500 million won
[Must-Read!] “I’m 55, is it too late to prepare for retirement?”

Part 2. [Contribution] The secret to receiving a lifelong salary with 4 accounts

Chapter 3. The beginning of pension wealth, 4 tax-advantaged accounts
Designing 4 accounts for ordinary office workers
Account 1 | Pension Savings (Tax Deduction ○): The core of a solid pension
Account 2 | Pension Savings (Tax Deduction ×): Key to flexible fund management
Account 3 | Savings IRP: A tax-advantaged account for efficient pension management
Account 4 | ISA: A golden bridge connecting interim goals and pensions

Chapter 4. Contribution Scenarios by Investment Amount
If your investment is 500,000 won per month?
If your investment is 1,000,000 won per month?
If your investment is 1,500,000 won per month?
If your investment is 2,000,000 won per month?

Part 3. [Operation] Investment Strategies to Make Your Money Work for Itself

Chapter 5. Pension Investment Methods Even Beginners Can Follow
MMF and interest-bearing ETF investment methods to start safely
Smart operation of TDF that moves automatically for you
Monthly dividend ETF strategy that consistently brings in profits
Asset allocation portfolio that remains strong even when the market fluctuates
[Must-Read!] Everything about ETF basics

Chapter 6. Maximizing Returns with Customized Investments for Each Account
Setting up an asset allocation portfolio in Account 1 and Account 2
Setting up TDF in Account 3
Setting up a monthly dividend portfolio in Account 4
[Must-Read!] How to choose suitable ETFs for pension investment

Part 4. [Receipt] Creating a Never-Ending Cash Flow in Retirement

Chapter 7. The Golden Formula for Pension Receipt, a 5-Stage Strategy
Pension receipt as important as investment
Stage 1: Consolidating pension accounts
Stage 2: Changing the portfolio to be monthly dividend-focused
Stage 3: Setting monthly dividends and checking taxes
Stage 4: Choosing the receipt method
Stage 5: Deciding on self-dividend and stock proportion

Chapter 8. Cash Flow and Receipt Scenarios by Asset
Realistic 300 million won retirement scenario
Comfortable 500 million won retirement scenario
Affluent 900 million won retirement scenario

Epilogue_Retirement preparation started now is the fastest retirement preparation.