엘마 - ELS·채권·금융소득 관리

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About this app

Even for ELS with the same structure, coupons often vary depending on the distributor.

Securities firms issuing ELS calculate coupons using complex financial engineering models to pay the promised returns to investors. These models incorporate various assumptions regarding financial market conditions; however, differences in coupons arise because the scope and degree of these assumptions vary from firm to firm.

Since the level of market indicators used in coupon calculations also varies depending on when the conditions are finalized, coupons may differ even if the issuance date is the same, depending on when the conditions were determined.

However, with hundreds of ELS issued every week and structures scattered across different distributors, it is not easy to individually locate and compare them. Elma aggregates newly released ELS by distributor, underlying asset, and knock-in condition, presenting them side-by-side for comparison with products of similar structures.

It is also difficult to check the current status of ELS you have already subscribed to.

When is the next redemption date? Stock prices have dropped significantly; will it be redeemed at the next valuation? Will I become subject to comprehensive taxation on financial income due to the profits received this year?

Have you ever had these concerns while investing in ELS? Elma displays the next redemption evaluation date, barrier, and current status of the underlying asset for each ELS you hold. It aggregates bonds and savings/deposits under your, your spouse's, and your parents' names to show you in advance how much of this year's financial income remains to reach the comprehensive taxation threshold (20 million won) and health insurance threshold. You can also compare interest rates on government bonds, OTC bonds, US Treasuries, savings/deposits, and CMAs.

Compare conditions side-by-side and manage your post-subscription schedule and financial income in one place.

Elma is a tool that aggregates and displays information and does not recommend investment in any specific product. The guidance on financial income and health insurance is for reference only; actual conditions, redemption status, and taxes follow the standards of the distributor, the National Tax Service, and the National Health Insurance Service. Principal loss may occur with ELS.

What’s new

• 장외채권 목록을 더했고, 국고채·장외채권·미국채를 보유로 등록할 수 있습니다.
• 유통수익률을 움직여 채권의 만기·중간 매도 손익과 연 환산을 봅니다.
• 홈 금리 카드에 미국채 곡선을, 청약 카드에 지수형 ELS를 담았습니다.
• 수익률에 세전·세후를 밝혔습니다.