Monthly accumulation as of 2026.09.30 | Exchange rate 7.89 | 1354

Exchange rate 1354
Kodex S&P Monthly Accumulation 400

The Rich app still doesn't auto-update assets, so I'm using Domino
I'm still using The Rich for the overview, but I'm entering data manually. It's such a hassle.

Stock value in KRW has decreased.
While it rose slightly based on the S&P, the exchange rate dropped by more than 10%.

I have slightly modified my strategy.
Based on diversification, whenever the market drops,
I was planning to change from Diversification -> VOO -> SSO -> UPRO -> TQQQ,
but I have decided to change it to VOO -> QQQ -> QLD -> TQQQ instead.
I feel I have been using too conservative a strategy until now. Since I still have earned income coming in before retirement, I have decided to take more risk to increase returns. I plan to revert to my previous strategy upon retirement.
I expect a bear market might occur within a year, though it might not; in a neutral market, I aim to achieve at least market returns with VOO.
Lending standards have been tightening recently, so it might be harder to get loans than I previously thought, but if I follow my strategy by utilizing everything from credit loans to collateral loans, I believe I can withstand an S&P drop of about 50%. (Previously, I thought I could handle up to 70%... but the possibility of the S&P dropping 70% in a lifetime is extremely slim...)