ETF Multi-Asset Portfolio & Dividend Compound Simulator

FinTech Quantitative Engine

Simulate your future portfolio compounding across 1~30 years with Covered Calls & 20M KRW Comprehensive Financial Taxation engine, or backtest historical past returns.

⚡ Select Strategy Preset:

⚙️ Investment Capital & Conditions

Initial Lump Sum: 2,000만 원

Monthly Contribution (DCA): 100만 원 / 월

Investment Horizon: 10년

Dividend Policy:

Account Tax Type:

💼 Other Taxable Income (Salary/Business):

* 연간 배당금이 2,000만 원을 초과할 때 일반 계좌는 위 한계세율로 종합과세되며 건강보험료 피부양자에서 박탈됩니다. (ISA/연금계좌는 전액 방어)

📊 2. ETF Asset Allocation 합계: 100%

⚡ JEPQ (JPMorgan 나스닥 커버드콜) CAGR 11.5% | 월배당 10.5% 50%

⚡ 타겟 데일리 커버드콜 (미국배당/나스닥+7~15%) CAGR 9.5% | 월배당 12.0% 50%

🔥 초고배당 옵션 인컴 (CONY / NVDY / TLTW) CAGR 6.0% | 초고배당 24.0% 0%

🇺🇸 SCHD (미국배당다우존스) CAGR 11.2% | 배당 3.6% (성장 10%) 0%

🇺🇸 JEPI (JPMorgan S&P500 커버드콜) CAGR 7.5% | 월배당 8.5% 0%

🇺🇸 S&P 500 (VOO / SPLG) CAGR 10.5% | 배당 1.5% 0%

🇺🇸 Nasdaq 100 (QQQ / QQQM) CAGR 14.8% | 배당 0.6% 0%

🇰🇷 K-ValueUp & 국내 고배당 CAGR 8.5% | 배당 4.2% 0%

🥇 Gold (KRX 금현물 / GLD) CAGR 8.2% | 무배당 0%

📈 Simulation Output & Projection

Projected Total Asset Value:

0원

총 납입 원금: 0원 | 순수익: +0원 (+0%)

🛡️

금융소득 2,000만 원 이하 안전 구간

배당소득세 15.4% 분리과세 종결 및 건강보험료 피부양자 안전 유지

💵

Monthly Passive Dividend: 0원 / 월 연간 배당금: 0원

🛡️
 Taxes Saved via ISA/Pension: +0원 vs General Account 

📊 Asset Growth Trajectory Principal Compound Profit

📑 Milestone Breakdown Table

Year	Principal	Total Asset	Monthly Div	Annual Div	Tax Status

⚡ Select Investment Start Point in the Past:

🏛️ Historical Backtest Parameters

Target Asset / Portfolio:

Past Time Horizon: 10년 전 (2016년 시작)

Initial Investment at Start: 2,000만 원

Past Monthly DCA Contribution: 100만 원 / 월

Dividend Policy:

Account Type:

🏆 Historical Backtest Actual Result

Current Actual Portfolio Balance Today:

0원

총 투자 원금: 0원 | 실현 수익: +0원 (+0.0%) | 연평균 CAGR: +0.0%

💵

Cumulative Dividends Paid: 0원 최근 연간 배당금: 0원

💸
 Taxes Paid & Tax Shield: 0원 역사적 최대 낙폭 (MDD): -0.0% 

📅 Annual Breakdown: Return, Dividends, Taxes & 20M Warning

Year	Start	Return	Gross Div	Tax Paid	20M Tax	End Balance

Quantitative Backtesting Methodology & Guide

This simulator models historical 20-to-30 year Compound Annual Growth Rates (CAGR), initial dividend yields, and dividend growth metrics with monthly dividend reinvestment (DRIP) and tax-efficient account structures.

Core Broad-Market Indices (S&P 500 & Nasdaq 100): Drives long-term capital appreciation (10.5% to 14.8% CAGR) by capturing global enterprise earnings expansion.
Dividend Growth Compounding (SCHD): Combines a 3.6% baseline yield with 7–10% annual dividend growth to compound Yield on Cost past 15%+ over 10–20 years.
Tax Alpha (ISA / Pension Accounts): Eliminates the standard 15.4% dividend tax drag, boosting final portfolio values by millions in statutory savings.

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