\uc774\ubc88 \ud3ec\uc2a4\ud305\uc740 ETF\uad00\ub828 \ud3ec\uc2a4\ud305\uc744 \ud558\uba70 \uc5b8\uae09\ud588\ub358 \uc911\uac1c\ud615 ISA\uacc4\uc88c\ub780 \ubb34\uc5c7\uc774\uba70 \uc7a5\ub2e8\uc810, \ud65c\uc6a9 \ubc29\ubc95, \uacc4\uc88c \ub9cc\ub4dc\ub294 \ubc29\ubc95(\ud0a4\uc6c0\uc99d\uad8c) \ub4f1\uc5d0 \ub300\ud574 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ubcf8\ubb38\uc744 \ud1b5\ud574 \ud544\uc694\uc131\uc744 \ub290\ub07c\uc2dc\ub294 \ubd84\ub4e4\uc740 \uc911\uac1c\ud615 ISA \uac00\uc785\ud574\ubcf4\uc2dc\uace0 \ud61c\ud0dd\uc744 \ub204\ub9ac\uba74\uc11c \ud22c\uc790\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n

\uc911\uac1c\ud615 ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub77c\ub294 \uba85\uce6d\uc5d0\uc11c \uc54c \uc218 \uc788\ub294 \uc810\uc740 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4. \ud558\ub098\uc758 \uacc4\uc88c\ub85c \uac1c\uc778 \uc790\uc0b0\uc744 \uc885\ud569\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\ub77c\ub294 \uac83\uacfc \uc911\uac1c\ud615 \ub9d0\uace0\ub3c4 \ub2e4\ub978 \uc720\ud615\uc758 ISA\uacc4\uc88c\uac00 \uc788\ub2e4\ub294 \uc810\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\uc120 ISA\uc5d0\ub294 \uc911\uac1c\ud615 \ub9d0\uace0\ub3c4 \ubb34\uc5c7\uc774 \uc788\ub294\uc9c0 \uba3c\uc800 \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubaa9\ucc28<\/p>\nToggle<\/span>

ISA\ub780(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)<\/a>

\uc911\uac1c\ud615 ISA<\/a>

\ub9c8\uce58\uba70<\/a><\/li><\/ul><\/nav><\/div>\n

<\/span>ISA\ub780(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)<\/strong><\/span><\/h2>\n
ISA\ub294 Individual Saving Account\uc758 \uc57d\uc790\uc785\ub2c8\ub2e4. \uc6b0\ub9ac\ub9d0\ub85c\ub294 \uac1c\uc778\uc800\ucd95\uacc4\uc88c \uc815\ub3c4\ub85c \ud574\uc11d\ud560 \uc218 \uc788\uc73c\uba70 \uc815\ud655\ud558\uac8c\ub294 \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c\uc785\ub2c8\ub2e4. ISA\ub294 \ud558\ub098\uc758 \uacc4\uc88c\ub85c \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \uad00\ub9ac\ud558\uace0 \uc6b4\uc601\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\uc785\ub2c8\ub2e4.<\/p>\n
ISA 2000\ub144\ub300 \uc800\uae08\ub9ac, \uc800\uc0c1\uc7a5 \uc2dc\ub300\uc5d0\uc11c \uadf8\uc804 \uc2dc\ub300\uc640 \ub2ec\ub9ac \uc740\ud589\uc758 \uc608\uc801\uae08\ub9cc\uc73c\ub85c\ub294 \uc790\uc0b0\uc744 \ud615\uc131\ud558\uae30 \uc5b4\ub824\uc6cc\uc84c\uae30 \ub54c\ubb38\uc5d0 \uac1c\uc778\uc758 \uc885\ud569\uc801 \uc790\uc0b0\uad00\ub9ac\ub97c \ud1b5\ud574\u00a0 \uc790\uc0b0\uc744 \ud615\uc131\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \uc815\ubd80\uc5d0\uc11c \ub3c4\uc785\ud55c \uc81c\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n
ISA\uc758 \uc885\ub958\uc5d0\ub294 \uc704\uc5d0\uc11c \uc5b8\uae09\ud588\ub4ef\uc774 \uc911\uac1c\ud615 ISA\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7fc \ub2e4\ub978 ISA\ub294 \ubb34\uc5c7\uc774 \uc788\uc744\uae4c\uc694?<\/p>\n
<\/p>\n
<\/span>ISA \uc885\ub958<\/strong><\/span><\/h3>\n
ISA\uc758 \uc885\ub958\uc5d0\ub294 \ud06c\uac8c \uc2e0\ud0c1\ud615 ISA, \uc77c\uc784\ud615 ISA, \uc911\uac1c\ud615 ISA\ub85c 3\uac00\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uac04\ub2e8\ud558\uac8c 3\uac00\uc9c0 \uc885\ub958\ub97c \uc54c\ub824\ub4dc\ub9ac\uba74\uc11c \ube44\uad50\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\uc2e0\ud0c1\ud615 ISA<\/span><\/strong><\/p>\n
\uc2e0\ud0c1\ud615 ISA\ub294 \ud22c\uc790\uc790\uac00 \uae08\uc735\uae30\uad00\uc5d0 \uad6c\uccb4\uc801\uc73c\ub85c \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud560 \uac83\uc778\uc9c0\ub97c \uc804\ub2ec\ud55c \ud6c4 \ud22c\uc790\uc790\uc758 \uc6b4\uc6a9 \ubc29\uce68\uc5d0 \ub530\ub77c \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub9de\ub294 \ub9de\ucda4\ud615 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uba70 \uae08\uc735\uae30\uad00\uc740 \uc774\uc5d0 \ub300\ud55c \uc2e0\ud0c1 \ubcf4\uc218\ub97c \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc77c\uc784\ud615 ISA<\/span><\/strong><\/p>\n
\uc77c\uc784\ud615 ISA\ub294 \ud22c\uc790\uc790\uac00 \ud22c\uc790\uae08 \uc6b4\uc6a9\uc744 \uc804\ubb38\uac00\uc5d0\uac8c \uc77c\uc784(\ub9e1\uae30\ub294)\ud558\ub294 ISA\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uae08\uc735\uc0c1\ud488 \uc885\ub958, \ube44\uc911, \uc704\ud5d8\ub3c4 \ub4f1\uc774 \ud45c\uae30\ub41c \uc804\ubb38\uac00\uac00 \uc81c\uacf5\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc120\ud0dd\ud55c \ud6c4 \uc804\ubb38\uac00\ub294 \uadf8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ub9de\uac8c \uc6b4\uc6a9\ud558\uac8c \ub418\uba70 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc704\ud5d8\ub3c4\uac00 \ub192\uc744\uc218\ub85d \uc218\uc218\ub8cc\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc911\uac1c\ud615 ISA<\/span><\/strong><\/p>\n
\ubcf8\ubb38\uc5d0\uc11c \uc8fc\ub85c \ub2e4\ub8f0 ISA\uc785\ub2c8\ub2e4. 2021\ub144 \uc0c8\ub85c \uc2e0\uc124\ub41c \ud6c4 \uc0c8\ub85c\uc6b4 \uc7ac\ud14c\ud06c \uc218\ub2e8\uc73c\ub85c \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uac1c\ud615 ISA\ub294 \uac00\uc785\uc790\uac00 \uc9c1\uc811 \uc6b4\uc6a9, \uad00\ub9ac\ud558\ub294 ISA \uc0c1\ud488\uc785\ub2c8\ub2e4. \ub610\ud55c \ub2e4\ub978 ISA \uc0c1\ud488\uacfc \ub2e4\ub974\uac8c \uc8fc\uc2dd\ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n
\uac00\uc785\uc790 \ubcf8\uc778\uc774 \ud22c\uc790\ub97c \uc9c1\uc811\ud558\uae30 \ub54c\ubb38\uc5d0 \uc2e0\ud0c1\ubcf4\uc218\ub098, \uc218\uc218\ub8cc\ub294 \uc5c6\uc73c\uba70 \ub9e4\ub9e4\ud560 \uacbd\uc6b0 \ub9e4\ub9e4\uc218\uc218\ub8cc\ub9cc \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n
<\/p>\n
<\/span>ISA \uc885\ub958 \ubcc4 \uc694\uc57d<\/strong><\/span><\/h3>\n
<\/p>\n
\uc544\ub798\uc758 \ud45c\ub85c \uc2e0\ud0c1\ud615 ISA, \uc77c\uc784\ud615 ISA, \uc911\uac1c\ud615 ISA\ub97c \uc27d\uac8c \ube44\uad50\ud574\ubcf4\uc138\uc694.<\/p>\n
<\/p>\n\n\n\n\n\n\n
<\/td>\n \ud2b9\uc9d5<\/strong><\/td>\n \ubd80\uac00 \uc218\uc218\ub8cc<\/strong><\/td>\n \uc8fc\uc2dd\ud22c\uc790\uac00\ub2a5<\/strong><\/td>\n<\/tr>\n
\uc2e0\ud0c1\ud615 ISA<\/strong><\/td>\n \uad6c\uccb4\uc801 \uc6b4\uc6a9\ubc29\uce68 \uc81c\uc2dc \ud6c4 \ud22c\uc790\uc790\ubcc4 \ub9de\ucda4 \uc0c1\ud488 \uc81c\uacf5<\/strong><\/td>\n \uc2e0\ud0c1 \ubcf4\uc218<\/strong>
\n\uc218\uc218\ub8cc \ubc1c\uc0dd<\/strong><\/td>\n X<\/strong><\/td>\n<\/tr>\n
\uc77c\uc784\ud615 ISA<\/strong><\/td>\n \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc120\ud0dd \ud6c4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ub9de\ucdb0 \uc6b4\uc6a9<\/strong><\/td>\n \uc2e0\ud0c1 \ubcf4\uc218, \uc77c\uc784\ubcf4\uc218 \uc218\uc218\ub8cc \ubc1c\uc0dd<\/strong><\/td>\n X<\/strong><\/td>\n<\/tr>\n
\uc911\uac1c\ud615 ISA<\/strong><\/td>\n \uac1c\uc778\uc774 \uc9c1\uc811 \ud22c\uc790<\/strong><\/td>\n \uc8fc\uc2dd \ub9e4\ub9e4 \uc2dc<\/strong>
\n\ub9e4\ub9e4\uc218\uc218\ub8cc \ubc1c\uc0dd<\/strong><\/td>\n O<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/p>\n
ISA \uc885\ub958\uc5d0 \uc0c1\uad00\uc5c6\uc774 ISA \uc790\uccb4\ub294 \ubaa8\ub4e0 \uc99d\uad8c\uc0ac\ub97c \ud3ec\ud568\ud558\uc5ec 1\uc778\ub2f9 1\uacc4\uc88c \ubc16\uc5d0 \uc6b4\uc6a9\ud558\uc2e4 \uc218 \uc5c6\uc73c\ub2c8 \uc790\uc2e0\uc758 \ud22c\uc790 \uc720\ud615\uc5d0 \ub9de\ub294 ISA \uacc4\uc88c\ub97c \ub9cc\ub4dc\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.\u00a0<\/strong><\/p>\n
ISA\uc758 \uc885\ub958\ub97c \uc54c\uc544\ubcf4\uc558\uc73c\ub2c8 \ubcf8\ubb38\uc5d0\uc11c \ub2e4\ub8f0 \uc911\uac1c\ud615 ISA\uc5d0 \ub300\ud574 \ub354\uc6b1 \uc790\uc138\ud558\uac8c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
<\/span>\uc911\uac1c\ud615 ISA<\/strong><\/span><\/h2>\n
<\/p>\n
\uc911\uac1c\ud615 ISA\uacc4\uc88c\ub780 \uac00\uc785\uc790 \ubcf8\uc778\uc774 \uc9c1\uc811 \ud22c\uc790\ud558\uc5ec \uc6b4\uc6a9\ud558\ub294 \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c\uc785\ub2c8\ub2e4. \ud22c\uc790\ud560 \ub54c \ubc1c\uc0dd\ud558\ub294 \uc138\uae08\uc744 \uc808\uc138\ud560 \uc218 \uc788\ub294 \uc7ac\ud14c\ud06c \ubc29\uc2dd\uc73c\ub85c \ub110\ub9ac \uc0ac\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc808\uc138 \ub610\ud55c \ud22c\uc790\uc758 \ubc29\uc2dd\uc774\uae30 \ub54c\ubb38\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc808\uc138 \ubc29\uc2dd\uc5d0 \ub300\ud574\uc11c\ub294 \uc544\ub798\uc758 \ud65c\uc6a9 \ubc29\ubc95\uc5d0\uc11c \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc911\uac1c\ud615 ISA\uc758 \uac00\uc785\ub300\uc0c1 \ubcc4 \uc720\ud615\uc744 \uac04\ub2e8\ud558\uac8c \uc18c\uac1c\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
<\/span>\uc911\uac1c\ud615 ISA \uac00\uc785\ub300\uc0c1 \uc720\ud615<\/strong><\/span><\/h3>\n
\uc911\uac1c\ud615 \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c\ub294 \uc18c\ub4dd\uc5d0 \ub530\ub77c \uc77c\ubc18\ud615, \uc11c\ubbfc\ud615\uc73c\ub85c \ub098\ub258\uc5b4\uc9c0\uba70 \ub18d\uc5b4\ubbfc\uc744 \uc704\ud55c \ub18d\uc5b4\ubbfc \uc911\uac1c\ud615 ISA\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc544\ub798\uc758 \uc0ac\uc9c4\uc744 \ucc38\uace0\ud574\uc8fc\uc138\uc694.<\/p>\n
$\"\uc911\uac1c\ud615$
\uac00\uc785\ub300\uc0c1 \uc720\ud615\ubcc4 \ube44\uad50, \ucd9c\ucc98 : \ud0a4\uc6c0\uc99d\uad8c<\/figcaption><\/figure>\n
<\/p>\n
<\/span>\uc8fc\uc694 \ub0b4\uc6a9<\/strong><\/span><\/h3>\n
\n
\ub9cc 19\uc138 \uc774\uc0c1\uc774\uba74 \ub204\uad6c\ub098 \uac00\uc785\uac00\ub2a5(\ub9cc 15\uc138 \uc774\uc0c1\uc758 \ubbf8\uc131\ub144\uc790\ub294 \uadfc\ub85c\uc18c\ub4dd \ud544\uc694)<\/li>\n
\ub0a9\uc785 \ud55c\ub3c4\ub294 \uc5f0 \ucd5c\ub300 2,000\ub9cc\uc6d0\uc774\uba70 5\ub144\uac04 \uc774\uc6d4\uac00\ub2a5, \ucd5c\ub300 1\uc5b5\uc6d0<\/li>\n
\uc190\uc2e4\ud1b5\uc0b0 \uc21c\uc218\uc775 200\ub9cc\uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138(\uc11c\ubbfc\ud615, \ub18d\uc5b4\ubbfc\ud615\uc740 400\ub9cc\uc6d0) \uc21c\uc218\uc775 200\ub9cc\uc6d0 \ucd08\uacfc \uc2dc 9.9%\uc758 \uc800\uc728\ubd84\ub9ac\uacfc\uc138<\/li>\n
\uc758\ubb34\uac00\uc785 \uae30\uac04\uc740 3\ub144 (5\ub144\uc5d0\uc11c 3\ub144\uc73c\ub85c \uc904\uc5b4\ub4e4\uc5c8\uc74c)\uc774\uba70, \uc5f0\uc7a5\uac00\ub2a5<\/li>\n
\uc758\ubb34\uac00\uc785 \uae30\uac04 \ub3d9\uc548 \ub0a9\uc785 \uae08\uc561\uc5d0 \ub300\ud574\uc11c\ub294 \uc790\uc720\ub85c\uc6b4 \uc778\ucd9c\uac00\ub2a5(\uc758\ubb34 \uac00\uc785 \uae30\uac04 \ub3d9\uc548 \uc6d0\uae08\uc744 \ucd08\uacfc\ud558\ub294 \uc218\uc775\uc744 \ud3ec\ud568\ud55c \uae08\uc561\uc744 \uc778\ucd9c\ud560 \uacbd\uc6b0 ‘\uc911\ub3c4\ud574\uc9c0’\ub85c \uac04\uc8fc\ub418\uc5b4 \uacfc\uc138\ud2b9\ub840\ub85c \uc801\uc6a9 \ubc1b\uc558\ub358 \uc138\uc561\uc744 \ucd94\uc9d5)<\/li>\n<\/ul>\n
<\/p>\n
\uc8fc\uc694 \ub0b4\uc6a9\uc744 \ud1a0\ub300\ub85c \uc7a5\uc810\uc744 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
<\/span>\uc911\uac1c\ud615 ISA \uc7a5\uc810<\/strong><\/span><\/h2>\n
\uc911\uac1c\ud615 ISA\uc758 \uc7a5\uc810\uc744 \ud06c\uac8c 5\uac00\uc9c0\ub85c \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uc218\uc775\uc758 \ube44\uacfc\uc138 \ud61c\ud0dd(\uc77c\ubc18\ud615 200\ub9cc\uc6d0, \ub18d\uc5b4\ubbfc\ud615 400\ub9cc\uc6d0)<\/span><\/strong><\/li>\n<\/ul>\n
<\/p>\n
\uac00\uc7a5 \ud070 \uc7a5\uc810 \uc911 \ud558\ub098\ub294 \ube44\uacfc\uc138 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \uc77c\ubc18\ud615\uc758 \uacbd\uc6b0 200\ub9cc\uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138\uc774\uba70 \uc704\uc758 \uac00\uc785\ub300\uc0c1 \ubcc4 \uc720\ud615\uc758 \uc870\uac74\uc5d0 \ucda9\uc871\ud558\uc5ec \uc11c\ubbfc\ud615, \ub18d\uc5b4\ubbfc\ud615\uc774\ub77c\uba74 \ucd5c\ub300 400\ub9cc\uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc77c\ubc18\ud615 \ud61c\ud0dd\ub3c4 \uc0c1\ub2f9\ud788 \uc88b\uc740\ud3b8\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uc218\uc775 \ucd08\uacfc\ubd84\uc5d0 \ub300\ud55c \uc800\uc728\ubd84\ub9ac\uc138\uc728<\/span><\/strong><\/li>\n<\/ul>\n
<\/p>\n
\ub450 \ubc88\uc9f8 \uc7a5\uc810\uc740 \ube44\uacfc\uc138\ud61c\ud0dd\uc744 \ucd08\uacfc\ud55c \uc218\uc775\uc5d0 \ub300\ud574\uc11c\ub294 9.9%\uc758 \uc138\uc728\ub85c \uc800\uc728\ubd84\ub9ac\uc138\uc728\uc744 \uc801\uc6a9 \ubc1b\ub294\ub2e4\ub294 \uc810 \uc785\ub2c8\ub2e4. \ubcf4\ud1b5\uc758 \ubc30\ub2f9\uc18c\ub4dd\uc138(\uc774\uc775\uae08)\uc740 \ucd5c\ub300 5\ucc9c\ub9cc\uc6d0\uae4c\uc9c0\ub294 15.4%\uc758 \uc138\uc728\uc744 \uc801\uc6a9\ud55c\ub2e4\ub294 \uc810\uc5d0\uc11c \uc218\uc775 \ucd08\uacfc\ubd84\uc5d0 \ub300\ud55c 9.9%\uc758 \uc800\uc728\ubd84\ub9ac\uc138\uc728\uc740 \ub9e4\uc6b0 \ud070 \uba54\ub9ac\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uc190\uc775\ud1b5\uc0b0\uc744 \ud1b5\ud55c \uacfc\uc138<\/span><\/strong><\/li>\n<\/ul>\n
<\/p>\n
\uc190\uc775\ud1b5\uc0b0\uc740 \uc190\uc2e4\uacfc \uc774\uc775\uc744 \ud569\ud558\uc5ec \uacc4\uc0b0\ud55c\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4. \uc27d\uac8c \uc608\ub97c \ub4e4\uba74 A\uc758 \uc885\ubaa9\uc5d0\uc11c 500\ub9cc\uc6d0\uc758 \uc774\uc775\uc744 \ubcf4\uc558\uace0 B \uc885\ubaa9\uc5d0\uc11c 200\ub9cc\uc6d0\uc758 \uc190\ud574\ub97c \ubcf4\uc558\ub2e4\uace0 \uac00\uc815\ud55c\ub2e4\uba74 \ucd1d \uc218\uc775 300\ub9cc\uc6d0\uc5d0\uc11c \ube44\uacfc\uc138 200\ub9cc\uc6d0\uc744 \uc81c\uc678\ud55c 100\ub9cc\uc6d0\uc5d0 \ub300\ud574\uc11c\ub9cc 9.9%\uc758 \ubd84\ub9ac\uc138\uc728\uc744 \uc801\uc6a9 \ubc1b\uc2b5\ub2c8\ub2e4. \uc11c\ubbfc\ud615, \ub18d\uc5b4\ubbfc\ud615\uc758 \uacbd\uc6b0\ub294 \ube44\uacfc\uc138\uae08\uc561\ubcf4\ub2e4 \uc791\uc73c\ubbc0\ub85c \uc138\uae08\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc77c\ubc18\uacc4\uc88c\uc758 \uacbd\uc6b0\ub294 \uc190\uc775\ud1b5\uc0b0\uc774 \uc544\ub2c8\ub77c \uc774\uc775\uc744 \ubcf8 \uae08\uc561\uc5d0 \ub300\ud574 \uacfc\uc138\ub97c \ud558\ub294 \ubc29\uc2dd\uc774\uae30 \ub54c\ubb38\uc5d0 500\ub9cc\uc6d0\uc774\ub77c\ub294 \uc774\uc775\uc5d0 \ub300\ud574 15.4%\uc758 \uc138\uae08\uc744 \uc801\uc6a9\ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n
\uc774\ud574\uac00 \uc548\ub418\uc2e0\ub2e4\uba74 \uc544\ub798\uc758 \ud65c\uc6a9 \ubc29\ubc95\uc5d0\uc11c \uc870\uae08 \ub354 \uc0c1\uc138\ud558\uac8c \ub2e4\ub8e8\uace0 \uc788\uc73c\ub2c8 \uac00\ubccd\uac8c \uac1c\ub150\ub9cc \uc774\ud574\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\uc5d0 \ud569\uc0b0\ub418\uc9c0 \uc54a\uc74c<\/strong><\/span><\/li>\n<\/ul>\n
<\/p>\n
ISA \uacc4\uc88c\ub97c \ud1b5\ud55c \uc218\uc775\uc740 \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\uc5d0 \ud569\uc0b0\ub418\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \uace0\uc18c\ub4dd\uc744 \uc62c\ub9ac\ub294 \ubd84\ub4e4 \ub610\ud55c \uae08\uc735 \ud22c\uc790 \uc2dc \uc774\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \ud22c\uc790\ub97c \ud558\uc2e4 \uacbd\uc6b0 \uc18c\ub4dd\uc774 \ub0ae\uc740 \ubd84\ub4e4\uc740 \ubb34\uc870\uac74 \uc0ac\uc6a9\ud558\uc154\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n
\ub2e8, \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\uc790\uc5d0 \ud574\ub2f9 \ud558\uc2e0\ub2e4\uba74 ISA\uc5d0 \uac00\uc785\ud558\uc2e4 \uc218 \uc5c6\uc73c\ub2c8 \uadf8\uc804\uc5d0 \ubbf8\ub9ac \uac00\uc785\ud574\ub450\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \ud574\ub2f9 \ub0b4\uc6a9\uc740 \uc704\uc758 \uac00\uc785 \ub300\uc0c1 \uc720\ud615 \ucc38\uace0 \uc0ac\uc9c4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc6b0\uc120 \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\ub97c \uc54c\uc544\uc57c \uc774\ud574\ud558\uae30 \uc27d\uae30 \ub54c\ubb38\uc5d0 \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\ub97c \uac04\ub2e8\ud558\uac8c \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
\uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\ub780?<\/span><\/strong><\/p>\n
\uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138\ub780 \uc8fc\uc2dd, \ud380\ub4dc, \ucc44\uad8c \ub4f1 \uae08\uc735\uc0c1\ud488\uc744 \uc774\uc6a9\ud574 \uc5bb\uc740 \ubaa8\ub4e0 \uae08\uc735\uc18c\ub4dd\uc885\ud569\uc774\uc775\uc5d0 \ub300\ud558\uc5ec \uc138\uae08\uc744 \ucc45\uc815\ud558\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \ud604\ud589\ubc95\uc73c\ub85c\ub294 \uac1c\uc778 \ubcc4 \uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138 \uae30\uc900\uc774 \uc5f0 2,000\ub9cc\uc6d0\uc785\ub2c8\ub2e4.<\/p>\n
\uc5f0 \uac04 2,000\ub9cc\uc6d0\uc774 \ucd08\uacfc \ub418\uc9c0 \uc54a\ub294 \ub2e4\uba74 15.4%\uc758 \uc138\uc728\ub85c\ub9cc \ucc45\uc815\ud558\uc9c0\ub9cc \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0 \ucd08\uacfc\uae08\uc561\uc5d0 \ub300\ud574\uc11c \uadfc\ub85c\uc18c\ub4dd, \uc0ac\uc5c5\uc18c\ub4dd \ub4f1\uc758 \ub2e4\ub978 \uc18c\ub4dd\uacfc \ud569\uc0b0\ub418\uc5b4 \ub354 \ub9ce\uc740 \uc138\uae08\uc744 \uc801\uc6a9 \ubc1b\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uc544\ub798\uc758 \ud45c\ub294 \ub098\ubb34\uc704\ud0a4\uc5d0\uc11c \ubc1c\ucdcc\ud574 \uc628 \uc790\ub8cc\uc774\uba70 \uc18c\ub4dd\uad6c\uac04 \ubcc4 \uae08\uc735\uc885\ud569\uc18c\ub4dd \uacfc\uc138\uc728\uc785\ub2c8\ub2e4.<\/p>\n
$\"\uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138\uc728$
\uc18c\ub4dd \ubcc4 \uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138\uc728, \ucd9c\ucc98 : \ub098\ubb34\uc704\ud0a4<\/figcaption><\/figure>\n
<\/p>\n
\uc27d\uac8c \ub9d0\ud574 2,400\ub9cc\uc6d0\uc758 \uae08\uc735\uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud588\uc744 \uacbd\uc6b0 400\ub9cc\uc6d0\uc758 \ucd08\uacfc\uc561\uc5d0 \ub300\ud574\uc11c\ub294 \ub2e4\ub978 \uc18c\ub4dd\uacfc \ud569\uc0b0\ud558\uc5ec \uacfc\uc138\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ucd1d 2,400\ub9cc\uc6d0\uc758 \uae08\uc735\uc18c\ub4dd \uc911 ISA\ub97c \ud1b5\ud574 500\ub9cc\uc6d0\uc758 \uc218\uc775\uc744 \uc5bb\uc5c8\ub2e4\uba74 500\ub9cc\uc6d0\uc774 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc740 1,900\uc6d0\uc774\ubbc0\ub85c \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138 \ub300\uc0c1\uc790\uac00 \uc544\ub2c8\uac8c \ub429\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uc8fc\uc2dd, ETF \ud22c\uc790\uc5d0 \ud65c\uc6a9 \uac00\ub2a5<\/strong><\/span><\/li>\n<\/ul>\n
<\/p>\n
ISA\uc758 \uc885\ub958 \uc911\uc5d0 \uac00\uc7a5 \ud070 \uba54\ub9ac\ud2b8\uac00 \uc544\ub2d0\uae4c \uc2f6\uc2b5\ub2c8\ub2e4. \ub2e4\ub978 ISA \uc0c1\ud488\uc758 \uacbd\uc6b0 \uc8fc\uc2dd\ud22c\uc790\ub294 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc911\uac1c\ud615\uc758 \uacbd\uc6b0\ub294 \uad6d\ub0b4\uc0c1\uc7a5 \uc8fc\uc2dd, \uad6d\ub0b4EFT, \uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678ETF\uc5d0 \ud22c\uc790 \ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc, \ud574\uc678 \uc0c1\uc7a5 \uc8fc\uc2dd,\ud574\uc678\uc0c1\uc7a5 \ud574\uc678EFT\uc758 \uacbd\uc6b0\ub294 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n
\uc544\ub798\ub294 \uad6d\ub0b4 ETF, \uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678ETF\uc640 \uad00\ub828\ud55c \ube14\ub85c\uadf8 \ub0b4 \ud3ec\uc2a4\ud305\uc785\ub2c8\ub2e4. \ubcf8\ubb38\uc758 \uc774\ud574\ub97c \uc704\ud574 \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\uad6d\ub0b4 ETF \ud22c\uc790 \uc124\uba85\uacfc \ucd94\ucc9c \uc774\uc720(\uc7a5\uc810), \ub2e8\uc810 \ubc0f TIP 5\uac00\uc9c0(\uc8fc\ub9b0\uc774 \ud544\ub3c5)<\/a><\/strong><\/span><\/p>\n
<\/p>\n
\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678 ETF \uc21c\uc704 TOP10, \ucd94\ucc9c \ubc0f \uc138\uae08(\uc591\ub3c4,\ubc30\ub2f9\uc18c\ub4dd\uc138)<\/a><\/strong><\/span><\/p>\n
<\/p>\n
\uc7a5\uc810\uc744 \uc54c\uc544\ubcf4\uc558\uc73c\ub2c8 \ub2e8\uc810\ub3c4 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
<\/p>\n
<\/span>\uc911\uac1c\ud615 ISA \ub2e8\uc810(5\uac00\uc9c0)<\/strong><\/span><\/h2>\n
<\/p>\n
5\uac00\uc9c0 \ub2e8\uc810\uc740 \uc544\ub798\uc5d0\uc11c \uc18c\uac1c\ud574\ub4dc\ub9ac\uace0 \uc790\uc138\ud788 \uc124\uba85\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138 \ub300\uc0c1\uc790\ub294 \uac00\uc785 \ubd88\uac00\ub2a5<\/span><\/strong><\/li>\n<\/ul>\n
<\/p>\n
\uc704\uc758 \uc7a5\uc810\uc5d0\uc11c \uc124\uba85\ud588\uc9c0\ub9cc \uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138 \ub300\uc0c1\uc790(\uc5f0\uac04 \uae08\uc735\uc18c\ub4dd 2\ucc9c\ub9cc\uc6d0 \ucd08\uacfc\uc790)\ub294 \uac00\uc785\uc774 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774\ubbf8 \uc18c\ub4dd\uc774 \ub192\uc740 \ubd84\ub4e4\uc5d0\uac8c\ub294 \ub2e8\uc810\uc73c\ub85c \uc791\uc6a9\ud558\uc9c0\ub9cc \ub300\ubd80\ubd84\uc758 \ud22c\uc790\uc790\ub294 \ud574\ub2f9 \ub418\uc9c0 \uc54a\ub294 \uc0ac\ud56d\uc774\ub2c8 \ud06c\uac8c \uc2e0\uacbd\uc4f0\uc9c0 \uc54a\uc73c\uc154\ub3c4 \ub429\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
2023\ub144 \uae08\uc735\uacfc\uc138\ubc95 \ubcc0\uacbd\uc73c\ub85c \uc778\ud574 \ud61c\ud0dd\uc774 \ub2e4\uc18c \uc904\uc5b4\ub4e4\uc5c8\uc74c<\/strong><\/span><\/li>\n<\/ul>\n
<\/p>\n
2023\ub144 \uae08\uc735\uacfc\uc138\ubc95\uc774 \ubcc0\uacbd\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc758 \uc790\ub8cc\ub294 \ubcc0\uacbd \ud6c4 \ub0b4\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n
$\"2023\ub144$
2023\ub144 \uae08\uc735\uc138\ubc95 \uac1c\uc815\uc548<\/figcaption><\/figure>\n
<\/p>\n
\ud574\ub2f9 \ub0b4\uc6a9\uc740 \uc81c\uac00 \uc9c1\uc811 \uc791\uc131\ud55c \ube14\ub85c\uadf8 \ub0b4 \uc790\ub8cc\uc785\ub2c8\ub2e4. ETF\uc0c1\ud488\uc5d0\ub9cc \uc801\uc6a9\ub418\ub294 \uac83\uc774 \uc544\ub2cc \uc8fc\uc2dd\uc5d0\ub3c4 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc138\ubc95 \uac1c\uc815\uc73c\ub85c \uc778\ud574 \uc804\ubcf4\ub2e4\ub294 \ud61c\ud0dd\uc774 \uc904\uc5b4\ub4e0 \uac83\uc774 \uc0ac\uc2e4\uc774\uc9c0\ub9cc \ud61c\ud0dd\uc774 \uc5c6\uc5b4\uc9c0\uc9c4 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\ub2e4\ub978 ISA \uc0c1\ud488\uc5d0 \ube44\ud574 \uc218\uc775\uc774 \ub5a8\uc5b4\uc9c8 \uc218 \uc788\uc74c.<\/span><\/strong><\/li>\n<\/ul>\n
<\/p>\n
\uc2e0\ud0c1\ud615, \uc77c\uc784\ud615 ISA\ub294 \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc744 \uc77c\uc815 \ubd80\ubd84 \uc5bb\uc5b4\uc11c \ud22c\uc790\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uc9c0\ub9cc \uc911\uac1c\ud615\uc758 \uacbd\uc6b0\ub294 \uac00\uc785\uc790 \ubcf8\uc778\uc774 \ud22c\uc790\uc790\uac00 \ub418\uc5b4\uc11c \uc9c1\uc811 \uc6b4\uc6a9\ud558\uae30 \ub54c\ubb38\uc5d0 \uc218\uc775\uc774 \ub5a8\uc5b4\uc9c8 \uc218 \uc788\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uacbd\ud5d8\uc774 \ub9ce\uac70\ub098 \ube44\uad50\uc801 \uc548\uc815\uc801\uc778 EFT \uc0c1\ud488\uacfc \uac19\uc740 \uacf3\uc5d0 \ud22c\uc790\ud55c\ub2e4\uba74 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\n
\uc758\ubb34\uac00\uc785\uae30\uac04\uc774 \uc788\uc74c<\/span><\/strong><\/li>\n<\/ul>\n
<\/p>\n
3\ub144\uc774\ub77c\ub294 \uc758\ubb34\uac00\uc785\uae30\uac04\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ucd08\ucc3d\uae30\uc5d0\ub294 5\ub144\uc774\uc5c8\ub358 \uac00\uc785\uae30\uac04\uc744 \ud558\ud5a5 \uc870\uc815\ud574 3\ub144\uc73c\ub85c \uc904\uc5b4\ub4e4\uc5c8\uc9c0\ub9cc 3\ub144\uc774\ub780 \uae30\uac04\ub3c4 \ub2e4\uc18c \uae38\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc758\ubb34\uac00\uc785\uae30\uac04 \ub3d9\uc548 \ud22c\uc790\ub85c \uc778\ud55c \uc774\uc775\uae08\uc740 \uc778\ucd9c \ud558\uc2e4 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc758\ubb34\uac00\uc785\uae30\uac04\uc5d0 \ub0a9\uc785\ud55c \uc6d0\uae08\uc5d0 \ub300\ud574\uc11c\ub294 \uc790\uc720\ub86d\uac8c \ucd9c\uae08\ud560 \uc218 \uc788\uc9c0\ub9cc \uc6d0\uae08\uc744 \ucd08\uacfc\ud55c \uc774\uc775\uae08\uc744 \ud3ec\ud568\ud55c \uae08\uc561\uc744 \ucd9c\uae08\ud558\uba74 ‘\uc790\ub3d9\ud574\uc9c0’\uac00 \ub429\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\ud574\uc9c0 \ubc0f \uc790\ub3d9\ud574\uc9c0\ucc98\ub9ac \uc2dc \uc720\uc758\uc810<\/span><\/strong><\/p>\n
\ud574\uc9c0 or \uc790\ub3d9\ud574\uc9c0 \ucc98\ub9ac\uc758 \uacbd\uc6b0\ub294 \ube44\uacfc\uc138 \ud61c\ud0dd\uacfc \ucd08\uacfc \uc774\uc775\uc5d0 \ub300\ud55c \uc800\uc728\ubd84\ub9ac\uacfc\uc138\ub85c \ud61c\ud0dd\uc744 \ubcf8 \uc138\uc561\uc774 \ubaa8\ub450 \ubd80\uacfc\ub418\uae30 \ub54c\ubb38\uc5d0 \ud574\uc9c0 or \uc790\ub3d9\ud574\uc9c0 \ucc98\ub9ac\uc5d0 \ud56d\uc0c1 \uc720\uc758\ud558\uc154\uc57c\ud569\ub2c8\ub2e4.<\/p>\n
\n
\ub0a9\uc785\ud55c\ub3c4\uae08(\uc5f0 \ucd5c\ub300 2,000\ub9cc\uc6d0\/5\ub144\uac04 \ucd5c\ub300 1\uc5b5\uc6d0)<\/strong><\/span><\/li>\n<\/ul>\n
\ub0a9\uc785\ud55c\ub3c4\uae08\uc774 \uc5f0 \ucd5c\ub300 2,000\ub9cc\uc6d0\uae4c\uc9c0\uc774\uba70 \uc774\uc6d4\ub418\uae30 \ub54c\ubb38\uc5d0 5\ub144 \uac04 \ucd5c\ub300 1\uc5b5\uc6d0\uc758 \ud22c\uc790\uae08\uc744 \uc6b4\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc9c0\ub9cc \uace0\uc790\ubcf8\uc758 \ud22c\uc790\uae08\uc744 \uc6b4\uc6a9\ud558\uc2dc\ub294 \ubd84\ub4e4\uc5d0\uac8c\ub294 \ub2e8\uc810\uc73c\ub85c \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778\uc801\uc73c\ub85c\ub294 \ub2e8\uc810\uc774\ub77c\uace0 \ubcf4\ub2e4\ub294 \uc544\uc26c\uc6b4 \uc810, \uac1c\uc120\ud560 \uc810 \uc815\ub3c4\ub85c \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n
\uace0\uc790\ubcf8\uc758 \ud22c\uc790\uae08\uc744 \uc6b4\uc6a9\ud558\ub354\ub77c\ub3c4 \uc911\uac1c\ud615 ISA\ub97c \uc774\uc6a9\ud55c\ub2e4\uba74 \uc5f0\uac04 \ucd5c\ub300 2,000\ub9cc\uc6d0\uc758 \ud22c\uc790\uae08\uc73c\ub85c \uc778\ud55c \uc774\uc775\uae08\uc5d0 \ub300\ud55c \uc138\uae08, \ube44\uacfc\uc138 \ub4f1\uc758 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\ub2e4\uc74c\uc740 \uc911\uac1c\ud615 \uac1c\uc778\uc790\uc0b0\ud1b5\ud569\uad00\ub9ac\uacc4\uc88c \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc704\uc5d0\uc11c \uc608\uc2dc\ub97c \ub4e4\uba70 \uac04\ub2e8\ud558\uac8c \uc124\uba85\ud588\uc9c0\ub9cc \uc774\ud574\ud558\uc9c0 \ubabb\ud55c \ubd84\ub4e4\uc740 \uc544\ub798\ub97c \uc77d\uc5b4\ubcf4\uc2e0\ub2e4\uba74 \uc774\ud574\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
<\/span>\uc911\uac1c\ud615 ISA \ud65c\uc6a9 \ubc29\ubc95<\/strong><\/span><\/h2>\n
<\/p>\n
\uc774 \ubd80\ubd84\uc5d0\uc11c\ub294 vs\uc77c\ubc18\uacc4\uc88c, vs \ud574\uc678\uc0c1\uc7a5 \ud574\uc678 \uc8fc\uc2dd(EFT \ud3ec\ud568) \ub450 \uac00\uc9c0 \uacbd\uc6b0\ub85c \ud65c\uc6a9 \ubc29\ubc95\uc744 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\uc911\uac1c\ud615 ISA vs \uc77c\ubc18\uacc4\uc88c (\uad6d\ub0b4 \ud22c\uc790\uc2dc)<\/span><\/strong><\/p>\n
<\/p>\n
\uc704\uc5d0\uc11c \uc7a0\uae50 \uc124\uba85\ud588\uc9c0\ub9cc \uc911\uac1c\ud615 \uac1c\uc778\uc790\uc0b0\ud1b5\ud569\uad00\ub9ac\uacc4\uc88c\ub294 \uc77c\ubc18\ud615\uc758 \uacbd\uc6b0 200\ub9cc\uc6d0, \uc11c\ubbfc\ud615\/\ub18d\uc5b4\ubbfc\ud615\uc758 \uacbd\uc6b0\ub294 \ucd5c\ub300 400\ub9cc\uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138\ud61c\ud0dd\uc744 \ubc1b\uc73c\uba70 \ucd08\uacfc\ubd84\uc5d0 \ub300\ud574\uc11c\ub294 9.9%\uc758 \ubd84\ub9ac\uacfc\uc138\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \ub610\ud55c \uc190\uc775\ud1b5\uc0b0\uc744 \uc801\uc6a9\ud558\uc5ec \uacfc\uc138\ub97c \uc801\uc6a9\ud55c\ub2e4\uace0 \uc54c\ub824\ub4dc\ub838\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc77c\ubc18\uacc4\uc88c\uc758 \uacbd\uc6b0\ub294 15.4%(14% \uc138\uae08 + 1.4%\uc758 \uc9c0\ubc29\uc138)\uc758 \uc138\uc728\uc744 \ucc45\uc815\ud569\ub2c8\ub2e4.<\/p>\n
\uc77c\ubc18\uacc4\uc88c\uc640\uc758 \ucc28\uc774\uc810\uc744 \uc774\uc6a9\ud574 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc544\ub798\uc5d0\uc11c \uc608\uc2dc\ub97c \ub4e4\uba70 \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ud22c\uc790 \uc2dc \ucc28\uc774\uc810\uc774 \uc788\uc73c\uba70 \ub2e8\uc21c\ud788 \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud55c \uc608\uc2dc\uc785\ub2c8\ub2e4.<\/p>\n
\uc9c0\ub204\uc640 \ub85c\ub85c\ub77c\ub294 \uc0ac\ub78c\uc774 \uc788\ub2e4\uace0 \uac00\uc815\ud558\uaca0\uc2b5\ub2c8\ub2e4. A \uc885\ubaa9 B \uc885\ubaa9 \ub450 \uac1c\uc758 \uc885\ubaa9\uc744 \ub458 \ub2e4 \uac19\uc740 \uae08\uc561\uc73c\ub85c \ud22c\uc790\ud558\uc600\uace0 \uc9c0\ub204\ub294 \uc77c\ubc18\uacc4\uc88c\ub97c \uc774\uc6a9 \ub85c\ub85c\ub294 \uc911\uac1c\ud615 ISA\ub97c \uc774\uc6a9\ud558\uc5ec \ud22c\uc790\ub97c \uc9c4\ud589\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n
<\/td>\n \uc9c0\ub204(\uc77c\ubc18\uacc4\uc88c)<\/strong><\/td>\n \ub85c\ub85c(\uc911\uac1c\ud615 ISA)<\/strong><\/td>\n<\/tr>\n
A\uc885\ubaa9 \uc218\uc775<\/strong><\/td>\n 500\ub9cc\uc6d0<\/strong><\/td>\n 500\ub9cc\uc6d0<\/strong><\/td>\n<\/tr>\n
B\uc885\ubaa9 \uc218\uc775<\/strong><\/td>\n -200\ub9cc\uc6d0<\/strong><\/td>\n -200\ub9cc\uc6d0<\/strong><\/td>\n<\/tr>\n
\uc138\uae08<\/strong><\/td>\n 500\ub9cc\uc6d0 \u00a015.4% =<\/strong>
\n77\ub9cc\uc6d0<\/strong><\/td>\n {(500\ub9cc-200\ub9cc\/\uc190\uc775\ud1b5\uc0b0) – <\/strong>
\n200\ub9cc(\ube44\uacfc\uc138\ud61c\ud0dd)} \u00a09.9% =<\/strong>
\n9.9\ub9cc\uc6d0<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/p>\n
\uc77c\ubc18 \uacc4\uc88c\ub97c \uc774\uc6a9\ud55c \uc9c0\ub204\uc758 \uacbd\uc6b0\ub294 500\ub9cc\uc6d0 \uc218\uc775\uc5d0 \ub300\ud55c 15.4%\uc758 \uc138\uc728\uc774 \uc801\uc6a9\ub41c 77\ub9cc\uc6d0\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \ubc18\uba74 \ub85c\ub85c\uc758 \uacbd\uc6b0\ub294 500\ub9cc\uc6d0\uc758 \uc218\uc775\uc744 \uc5bb\uc5c8\uc9c0\ub9cc B\uc885\ubaa9\uc5d0\uc11c\ub294 \uc190\ud574\uac00 \ubc1c\uc0dd\ud558\uc5ec \ucd1d \uc21c\uc218\uc775\uc740 300\ub9cc\uc6d0\uc785\ub2c8\ub2e4. \uc774 \ub54c \uc911\uac1c\ud615 ISA\uc758 \ube44\uacfc\uc138\ud61c\ud0dd 200\ub9cc\uc6d0\uc744 \uc81c\uc678\ud558\uace0 100\ub9cc\uc6d0\uc5d0 \ub300\ud558\uc5ec 9.9%\uc758 \ubd84\ub9ac\uacfc\uc138\uac00 \uc801\uc6a9\ub418\uc5b4 9.9\ub9cc\uc6d0\uc758 \uc138\uae08\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n
\ub610\ud55c \uc9c0\ub204\uc758 \uacbd\uc6b0\ub294 300\ub9cc\uc6d0\uc758 \uc21c\uc218\uc775\uc774 \uae08\uc735\uc885\ud569\uacfc\uc138 \uae30\uc900\uc561\uc778 2,000\ub9cc\uc6d0\uc5d0 \ud3ec\ud568\ub418\uc9c0\ub9cc \ub85c\ub85c\uc758 \uacbd\uc6b0\ub294 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub2e8\uc21c \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud574 \uc138\uae08 \ube44\uad50 \ub9cc\uc744 \uc704\ud55c \uc608\uc2dc\uc774\uba70 \uc2e4\uc81c \ud22c\uc790 \uc2dc \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\uad6d\ub0b4 \ud22c\uc790 \uc2dc \uc77c\ubc18\uacc4\uc88c\uc640 \uc911\uac1c\ud615 \uac1c\uc778\uc790\uc0b0\uc885\ud569\uad00\ub9ac\uacc4\uc88c\ub97c \uc774\uc6a9\ud55c \ucc28\uc774\uc810\uc744 \uc54c\ub824\ub4dc\ub838\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ud574\uc678\ud22c\uc790 \uc2dc \ucc28\uc774\uc810\uc744 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\uc911\uac1c\ud615 ISA(\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678ETF) VS \ud574\uc678\uc0c1\uc7a5 \ud574\uc678ETF\/\ud574\uc678 \uc9c1\ud22c<\/strong><\/span><\/p>\n
<\/p>\n
\ub2e4\uc74c\uc740 \uad6d\ub0b4 \uc0c1\uc7a5 \ud574\uc678 EFT<\/a><\/strong><\/span>\ub97c \uc911\uac1c\ud615 ISA\ub97c \ud1b5\ud574 \ud22c\uc790\ud588\uc744 \uacbd\uc6b0\uc640 \ud574\uc678\uc0c1\uc7a5 \ud574\uc678ETF<\/a><\/strong><\/span>\uc5d0 \uc9c1\uc811 \ud22c\uc790\ud588\uc744 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc911\uac1c\ud615 \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c\ub294 \ud574\uc678\uc0c1\uc7a5 \ud574\uc678\uc8fc\uc2dd(EFT\ud3ec\ud568)\uc778 \ud574\uc678 \uc9c1\ud22c\ub97c \uc9c4\ud589 \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n
\uc774\ub7f4 \uacbd\uc6b0 \uad6d\ub0b4 \uc0c1\uc7a5 ETF\ub97c \uc774\uc6a9\ud558\ub294 \uac83\uacfc \ud574\uc678\uc0c1\uc7a5 \ud574\uc678\uc8fc\uc2dd(EFT)\ub97c \uc9c1\uc811 \ud22c\uc790\ud558\ub294 \uac83 \uc911 \uc5b4\ub5a4 \uac83\uc774 \uc774\ub4dd\uc77c\uae4c\uc694?<\/p>\n
\ud574\uc678\uc0c1\uc7a5 \ud574\uc678\uc8fc\uc2dd\uacfc \ud574\uc678ETF\ub294 250\ub9cc\uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc774\uba70 \ucd94\uac00 \uc18c\ub4dd\uc5d0 \ub300\ud55c 22%\uc758 \uc138\uc728\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc774\ub7f0\uc810 \ub54c\ubb38\uc5d0 \uc218\uc775\uae08\uc5d0 \ub530\ub77c \ud574\uc678\uc0c1\uc7a5 \ud574\uc678 EFT\uc640 \uad00\ub828\ub41c \ube14\ub85c\uadf8 \ub0b4 \ud3ec\uc2a4\ud305\uc744 \uc77d\uace0 \uc624\uc2dc\uba74 \ub354\uc6b1 \uc774\ud574\ud558\uae30 \uc26c\uc6b0\ub2c8 \uc77d\uace0 \uc624\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n
<\/p>\n
\ud574\uc678\uc0c1\uc7a5 \ud574\uc678 ETF 5\uac00\uc9c0 \uc18c\uac1c(SPY, IVV, VOO, QQQ, DIA) \ubc0f \uc138\uae08<\/a><\/p><\/blockquote>\n
<\/iframe><\/p>\n <\/p>\n\uc774\ubc88\uc5d0\ub3c4 \uc9c0\ub204\uc640 \ub85c\ub85c\uac00 \ub610 \ub4f1\uc7a5\ud569\ub2c8\ub2e4. \uc9c0\ub204\ub294 \uc5ed\uc2dc \uc77c\ubc18\uacc4\uc88c\ub97c \uc774\uc6a9\ud558\uc5ec \ud574\uc678\uc0c1\uc7a5 \ud574\uc678 ETF\uc0c1\ud488 SPY\uc5d0 \ud22c\uc790\ud558\uace0 \ub611\ub611\ud55c \ub85c\ub85c\ub294 \uc911\uac1c\ud615 ISA\ub97c \ud1b5\ud574 \uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678 ETF\uc0c1\ud488\uc778 TIGER \ubbf8\uad6dS&P500\uc5d0 \ud22c\uc790\ud588\uc2b5\ub2c8\ub2e4. SPY\uc640 TIGER \ubbf8\uad6dS&P500 \ubaa8\ub450 <a style=\"color: #0000ff;\" href=\"https:\/\/finance-bepang.com\/economy\/%eb%af%b8%ea%b5%ad-3%eb%8c%80-%ec%a3%bc%ea%b0%80%ec%a7%80%ec%88%98\/\">\ubbf8\uad6d\uc758 3\ub300 \uc8fc\uac00\uc9c0\uc218<\/a><\/strong><\/span> \uc911 S&P500\uc744 \ucd94\uc885\ud558\ub294 ETF \uc0c1\ud488\uc73c\ub85c \ud22c\uc790\uae08\uacfc \uc218\uc775\uae08 \ub610\ud55c \uac19\ub2e4\uace0 \uac00\uc815\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n\uc218\uc775\uae08 290\ub9cc\uc6d0 \uc778\uacbd\uc6b0<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 100px;\">\n<tbody>\n<tr style=\"height: 25px;\">\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\"><\/td>\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">\uc9c0\ub204(\uc77c\ubc18\uacc4\uc88c) \nSPY \ud22c\uc790 \n\ud574\uc678\uc0c1\uc7a5 \ud574\uc678ETF<\/td>\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">\ub85c\ub85c(\uc911\uac1c\ud615 ISA) \nTIGER \ubbf8\uad6dS&P500 \n\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678ETF<\/td>\n<\/tr>\n<tr style=\"height: 25px;\">\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">\uc218\uc775\uae08<\/td>\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">290\ub9cc\uc6d0<\/td>\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">290\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr style=\"height: 25px;\">\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">\uc138\uae08<\/td>\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">(290\ub9cc\uc6d0 – 250\ub9cc\uc6d0\/\ud574\uc678\uc0c1\uc7a5 \ud574\uc678EFT \ube44\uacfc\uc138\uae08\uc561) \u00a022% \uacfc\uc138 = \n8\ub9cc8\ucc9c\uc6d0<\/strong><\/td>\n<td style=\"width: 33.3333%; height: 25px; text-align: center;\">290-200\/\ube44\uacfc\uc138\ud61c\ud0dd \u00d7 9.9% \ubd84\ub9ac\uacfc\uc138\uc728 = \n8\ub9cc9100\uc6d0<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n <\/p>\n\uc218\uc775\uae08\uc774 \uc57d 290\ub9cc\uc6d0\uae4c\uc9c0\ub294 \uc77c\ubc18\uacc4\uc88c\ub85c \ud574\uc678\uc0c1\uc7a5 \ud574\uc678EFT\uc5d0 \uc9c1\uc811 \ud574\uc678 \ud22c\uc790\ud55c \uc9c0\ub204\uc758 \uacbd\uc6b0\uac00 \uc138\uae08\uc774 \uc870\uae08 \ub354 \ub0ae\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc 290\ub9cc\uc6d0\uc774 \ub118\uc5b4\uac00\ub294 \uc218\uc775\uae08\uc774 \ub41c\ub2e4\uba74 \uc911\uac1c\ud615 ISA\ub97c \uc774\uc6a9\ud558\ub294 \ub85c\ub85c\uc758 \uc138\uae08\uc774 \ub354\uc6b1 \ub0ae\uac8c \ucc45\uc815\ub429\ub2c8\ub2e4.<\/p>\n\ud574\uc678 \uc9c1\uc811 \ud22c\uc790\uc640 \uad6d\ub0b4\uc0c1\uc7a5 \uad6d\ub0b4ETF\ub97c \ud1b5\ud55c \ube44\uad50\ub294 \ub2e8\uc21c\ud558\uac8c \ube44\uad50\ud574\ub3c4 \ub9e4\uc6b0 \ubcf5\uc7a1\ud569\ub2c8\ub2e4. \uc57d 290\ub9cc\uc6d0 \uc815\ud655\ud558\uac8c\ub294 290.9\ub9cc\uc6d0\uae4c\uc9c0\ub294 \ud574\uc678 \uc9c1\uc811 \ud22c\uc790\uac00 \uc138\uae08\uc774 \ub354 \uc801\uc9c0\ub9cc \uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138 \ub300\uc0c1\uc790\uac00 \ub41c \uc774\ud6c4\uc5d0\ub294 \ud574\uc678 \uc9c1\uc811 \ud22c\uc790\uac00 \ub354 \ub098\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc544\ub798\uc5d0\uc11c \uac04\ub2e8\ud558\uac8c \uc815\ub9ac\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\uc218\uc775\uae08\uc774 290\ub9cc\uc6d0 \uc774\uc0c1\uc774\ub77c\uba74 \uc911\uac1c\ud615 ISA\ub97c \ud1b5\ud574 \ud22c\uc790\uac00 \uc774\ub4dd\uc774\uc9c0\ub9cc \uadf8 \uc774\ud558\ub77c\uba74 \ud574\uc678\uc0c1\uc7a5 \ud574\uc678ETF\uc5d0 \uc9c1\uc811 \ud22c\uc790\uac00 \uc138\uae08\uba74\uc5d0\uc11c \uc720\ub9ac\ud568<\/p>\n\ud558\uc9c0\ub9cc \uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138 \ub300\uc0c1\uc790\uac00 \ub418\uc5b4 \uc138\uc728\uc774 \ub192\uc544\uc9c0\uac8c \ub41c\ub2e4\uba74 \ud574\uc678\uc0c1\uc7a5 \ud574\uc678EFT\uac00 \uc138\uae08\uba74\uc5d0\uc11c \uc720\ub9ac\ud568.<\/p>\n\uc9c4\uc9dc \uacb0\ub860\uc740 ISA \uacc4\uc88c\ub97c \ub9cc\ub4e4 \uc218 \uc788\ub294 \uae08\uc735\uc885\ud569\uc18c\ub4dd\uacfc\uc138 \ub300\uc0c1\uc790\uac00 \uc544\ub2c8\uba74\uc11c 3\ub144 \uc774\uc0c1 \ud22c\uc790\ud560 \uacc4\ud68d\uc774\ub77c\uba74 ISA \ub0a9\uc785\uac00\ub2a5\ud55c\ub3c4 \uae08\uc561\uae4c\uc9c0\ub294 \uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678 ETF\ub97c \uc6b4\uc6a9\ud558\ub294 \ud3b8\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\uc18c\ub4dd\uc774 \uc5b4\ub290 \uc815\ub3c4 \ub192\uc544\uc9c0\uac8c \ub418\uba74 \ud574\uc678 \uc9c1\uc811 \ud22c\uc790\uac00 \uc720\ub9ac\ud55c \ud3b8\uc774\uc9c0\ub9cc ISA\ub97c \uc774\uc6a9\ud558\uc5ec \ub3d9\uc2dc\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n <\/p>\n\uc544\ub798\uc758 \uae30\uc0ac \ub0b4\uc6a9\uc740 \uc5f0\ud569\ub274\uc2a4\uc758 \uc790\ub8cc\uc774\uba70 KB\uc99d\uad8c\uc758 \uc911\uac1c\ud615 ISA\ub97c \ud1b5\ud574 \ud574\uc678\uc8fc\uc2dd\ud615 EFT\ub97c \uac00\uc7a5 \ub9ce\uc774 \ud22c\uc790\ud558\uace0 \uc788\uc73c\uba70 \ube44\uacfc\uc138\/\uc808\uc138\ud6a8\uacfc \ub4f1\uc758 \ud61c\ud0dd, \ub9ce\uc774 \ud22c\uc790\ud55c \uc0c1\ud488 TOP 5\ub97c \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9e7\uc740 \uae30\uc0ac\uc774\ub2c8 \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<div><center> \n<a class=\"myButton\" href=\"https:\/\/www.yna.co.kr\/view\/AKR20230810061900002?input=1195m\" rel=\"noopener\">\uad00\ub828\uae30\uc0ac \ubcf4\ub7ec\uac00\uae30<\/a><\/center><\/div>\n <\/p>\n\uadf8\ub807\ub2e4\uba74 \uc911\uac1c\ud615 ISA\ub294 \uc5b4\ub5bb\uac8c \uac00\uc785\ud560\uae4c\uc694?<\/p>\n <\/p>\n<h2><\/span>\uc911\uac1c\ud615 ISA \uac1c\uc124 \ubc29\ubc95(\ud0a4\uc6c0\uc99d\uad8c)<\/strong><\/span><\/h2>\n <\/p>\n\uc911\uac1c\ud615 \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c \uac1c\uc124\uc740 \uc99d\uad8c\uc0ac \ub2f9 1\uc778 1\uacc4\uc88c\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774 \uc810\uc744 \uaf2d \uc720\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\ud574\ub2f9 \uc124\uba85\uc740 \ud0a4\uc6c0 \uc99d\uad8c\uc744 \ud1b5\ud574\uc11c \uac04\ub2e8\ud558\uac8c \uc0ac\uc9c4\uc73c\ub85c \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc800\ub294 \ud0a4\uc6c0 \uc99d\uad8c\uacfc\ub294 \uc544\ubb34 \uad00\ub828\uc774 \uc5c6\uc73c\ub2c8 \uaf2d \ud0a4\uc6c0\uc99d\uad8c\uc5d0\uc11c \ub9cc\ub4e4 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\uac00\uc7a5 \ub300\uc911\uc801\uc778 \uc99d\uad8c\uc0ac\ub97c \uc774\uc6a9\ud55c \uac83 \ubfd0\uc774\uba70 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub294 \uc99d\uad8c\uc0ac \uc911\uc5d0 \uac00\uc785 \ud61c\ud0dd\uc744 \ucc3e\uc544\ubcf4\uace0 \ub9cc\ub4dc\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \uc99d\uad8c\uc0ac \ubaa8\ubc14\uc77c \uc571\uc744 \ud1b5\ud574\uc11c \ub354\uc6b1 \ud3b8\ub9ac\ud558\uac8c \uac1c\uc124 \ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n1\ub2e8\uacc4 \uc2e0\uaddc\uacc4\uc88c \uac1c\uc124<\/p>\n <\/p>\n<figure style=\"width: 692px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full\" src=\"https:\/\/i0.wp.com\/blog.kakaocdn.net\/dn\/dnCjyD\/btssc7MAwoy\/MgmxCFiTYh40jekOk0HTgk\/img.jpg?resize=702%2C715&ssl=1\" alt=\"\uc2e0\uaddc ISA \uacc4\uc88c \uac1c\uc124\ud558\uae30\" width=\"702\" height=\"715\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \ud0a4\uc6c0\uc99d\uad8c<\/figcaption><\/figure>\n <\/p>\n\ud0a4\uc6c0\uc99d\uad8c \uacc4\uc88c\uac00 \uc788\ub2e4\uba74 \ubc14\ub85c 2\ub2e8\uacc4\ub85c \uc774\ub3d9\ud558\uc154\ub3c4 \ub429\ub2c8\ub2e4.<\/p>\n <\/p>\n2\ub2e8\uacc4 \uc911\uac1c\ud615 ISA \uacc4\uc88c\uac1c\uc124<\/p>\n<figure style=\"width: 694px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full\" src=\"https:\/\/i0.wp.com\/blog.kakaocdn.net\/dn\/zNFpT\/btsshlbE6F0\/GrjJzE1mo2v05ppRoWyCOK\/img.jpg?resize=704%2C298&ssl=1\" alt=\"2\ub2e8\uacc4 \uc911\uac1c\ud615 ISA \uacc4\uc88c \uac1c\uc124\" width=\"704\" height=\"298\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \ud0a4\uc6c0\uc99d\uad8c<\/figcaption><\/figure>\n <\/p>\n\ud574\ub2f9 \uc0ac\uc9c4\uc758 \uc808\ucc28\uc5d0 \ub530\ub77c \uacc4\uc88c\ub97c \ub4f1\ub85d\ud558\uc2dc\uace0 \uc628\ub77c\uc778 \ud30c\uc0dd\uacc4\uc88c \uac1c\uc124 \ud6c4 \uc911\uac1c\ud615 ISA \uacc4\uc88c\ub97c \ub4f1\ub85d\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n <\/p>\n3\ub2e8\uacc4 \uac00\uc785\ub300\uc0c1 \ubcc4 \uc720\ud615<\/p>\n<figure style=\"width: 726px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full\" src=\"https:\/\/i0.wp.com\/blog.kakaocdn.net\/dn\/lC1Fn\/btssdaCtkna\/AwfT5DO4DqOKwMe2vkKus0\/img.jpg?resize=736%2C201&ssl=1\" alt=\"3\ub2e8\uacc4 \ud22c\uc790\uc790 \ud655\uc778 \uc0ac\ud56d\uccb4\ud06c\" width=\"736\" height=\"201\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \ud0a4\uc6c0\uc99d\uad8c<\/figcaption><\/figure>\n <\/p>\n3\ub2e8\uacc4\ub294 \uac00\uc785\ub300\uc0c1 \ubcc4 \uc720\ud615\uc785\ub2c8\ub2e4. \uc77c\ubc18\ud615\uc5d0 \ud574\ub2f9\ud558\uc2e0\ub2e4\uba74 \uc9c0\ub098\uac00\uc154\ub3c4 \ub418\uc9c0\ub9cc \uc11c\ubbfc\ud615, \ub18d\uc5b4\ubbfc\ud615, \ub9cc 19\uc138 \ubbf8\ub9cc\uc758 \ubbf8\uc131\ub144\uc790\ub77c\uba74 \uc81c\ucd9c \uc11c\ub958 \uc81c\ucd9c \ud6c4 \uac1c\uc124 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n4\ub2e8\uacc4 \uc644\ub8cc, \uac70\ub798\/\uc785\uae08 \uac00\ub2a5<\/p>\n<figure style=\"width: 684px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full\" src=\"https:\/\/i0.wp.com\/blog.kakaocdn.net\/dn\/c4RoxA\/btssfYIklmK\/Jpaqudwqzih2u1b5ioWKRK\/img.jpg?resize=694%2C129&ssl=1\" alt=\"4\ub2e8\uacc4 \uac1c\uc124\uc644\ub8cc\" width=\"694\" height=\"129\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \ud0a4\uc6c0\uc99d\uad8c<\/figcaption><\/figure>\n <\/p>\n4\ub2e8\uacc4\ub294 \uac1c\uc124 \uc644\ub8cc\uc785\ub2c8\ub2e4. \uac70\ub798\uc640 \uc785\uae08\uc774 \uac00\ub2a5\ud558\uba70 \uc7ac\ub85c\uadf8\uc778 \ud6c4 \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n\ud0a4\uc6c0\uc99d\uad8c\uc5d0\uc11c ISA \uacc4\uc88c \uac1c\uc124 \ubc29\ubc95\uc744 \uc54c\ub824\ub4dc\ub838\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc758 \ub9c1\ud06c\ub97c \ud1b5\ud558\uba74 \ubc14\ub85c \uac1c\uc124\ud558\uc2e4 \uc218 \uc788\uc73c\ub2c8 \ud544\uc694\ud558\uc2e0 \ubd84\uc740 \uc774\uc6a9\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n <\/p>\n<div><center> \n<a class=\"myButton\" href=\"https:\/\/www.kiwoom.com\/h\/help\/ftrade\/VHelpInvstIsaTrdMthdView\" rel=\"noopener\">\ud0a4\uc6c0\uc99d\uad8c ISA\uacc4\uc88c\uac1c\uc124<\/a><\/center><\/div>\n <\/p>\n <\/p>\n<h2><\/span>\ub9c8\uce58\uba70<\/strong><\/span><\/h2>\nISA\ub294 \uc2e0\ud0c1\ud615, \uc77c\uc784\ud615, \uc911\uac1c\ud615\uc73c\ub85c \ud22c\uc790\uc790\uc758 \uc131\ud5a5\uc5d0 \ub530\ub77c \ub098\ub258\uc5b4\uc9d1\ub2c8\ub2e4. \ube44\uacfc\uc138\ud61c\ud0dd, \uc800\uc728\ubd84\ub9ac\uacfc\uc138, \uae08\uc735\uc885\ud569\uc18c\ub4dd\uc138 \uba74\uc5d0\uc11c \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\ub294 \uc885\ub958\uc5d0 \uc0c1\uad00\uc5c6\uc774 \ubaa8\ub4e0 \uc99d\uad8c\uc0ac\ub97c \ud3ec\ud568\ud558\uc5ec \uac1c\uc778\ub2f9 1\uac1c\uc758 \uacc4\uc88c\ub9cc \uac1c\uc124 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc911\uac1c\ud615 ISA\ub294 ISA \uc911\uc5d0 \uc8fc\uc2dd\uc5d0 \ud22c\uc790 \uac00\ub2a5\ud55c \uc0c1\ud488\uc73c\ub85c \ub9ce\uc774 \uc0ac\uc6a9\ub418\uace0 \uc788\uc73c\uba70 \ub2e8\uc810\uc774 \uc874\uc7ac\ud558\uae34 \ud558\uc9c0\ub9cc \ub2e8\uc810\uc774\ub77c\uae30 \ubcf4\ub2e4\ub294 \uc544\uc26c\uc6b4 \uc810\uc73c\ub85c \uc0dd\uac01\ud574\ub3c4 \ub420 \ub9cc\ud07c \ud61c\ud0dd\uc774 \uc88b\uc73c\uba70 \uace0\uc790\ubcf8\uae08\uc744 \ud22c\uc790\ud558\uac70\ub098 \uace0\uc218\uc775\uc744 \ub0b4\uc2dc\ub294 \ubd84\uc774 \uc544\ub2c8\ub77c\uba74 \ud574\ub2f9 \uc0ac\ud56d\uc774 \uc5c6\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n\uc8fc\uc2dd\ud22c\uc790\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc740 \uc9c0\ubd84\uc728\uc744 \ucc28\uc9c0\ud558\ub294 \uc99d\uad8c\uc0ac\uc778 \ud0a4\uc6c0\uc99d\uad8c\uc744 \ud1b5\ud574\uc11c ISA\uac1c\uc124 \ubc29\ubc95\uc744 \uc18c\uac1c\ud574\ub4dc\ub838\uc2b5\ub2c8\ub2e4. \uad11\uace0\ub294 \uc544\ub2c8\ub2c8 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc99d\uad8c\uc0ac\uc5d0\uc11c \uc774\ubca4\ud2b8\ub098 \uac00\uc785 \ud61c\ud0dd \ub4f1\uc744 \uc774\uc6a9\ud558\uc154\uc11c \uac1c\uc124\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n\ud22c\uc790\ub97c \uac15\uc694\ud558\ub294 \ubaa9\uc801\uc758 \uae00\uc740 \uc544\ub2c8\uba70 \ud22c\uc790\uc758 \ucc45\uc784\uc740 100% \ubcf8\uc778\uc5d0\uac8c \uc788\ub2e4\ub294 \uc810\uc744 \ub9d0\uc500\ub4dc\ub9bd\ub2c8\ub2e4. \ud22c\uc790\ub97c \ud558\uc2dc\ub294 \ubd84 \uc911\uc5d0 \uc774\ubc88 \ud3ec\uc2a4\ud305\uc744 \ud1b5\ud574 ISA \uacc4\uc88c\uc5d0 \ub300\ud574 \ucc98\uc74c \uc54c\uac8c \ub418\uc5b4 \uc544\uc9c1 \uac1c\uc124\ud558\uc9c0 \uc54a\uc740 \ubd84\uc740 \ub9cc\ub4e4\uc5b4 \ubcf4\uc2dc\ub294 \uac83\uc744 \uad8c\ud569\ub2c8\ub2e4. \uc808\uc138 \ub610\ud55c \ud22c\uc790\uc758 \ubc29\uc2dd\uc774\ub77c\ub294 \uc810\uc744 \uae30\uc5b5\ud558\uc2dc\uace0 \ud604\uba85\ud558\uac8c \ud22c\uc790\ud558\uc154\uc11c \ubd80\uc790 \ub418\uc2dc\uae38 \uae30\uc6d0\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\uc774 \ud3ec\uc2a4\ud305\uc774 \ub9c8\uc74c\uc5d0 \ub4dc\uc168\ub2e4\uba74 \ube14\ub85c\uadf8 \ub0b4 \ub2e4\ub978 \ud3ec\uc2a4\ud305\ub3c4 \ucc38\uace0\ud574\ubcf4\uc138\uc694<\/p>\n\uc800\ub294 \uc55e\uc73c\ub85c\ub3c4 \ub3c8\uacfc \uad00\ub828\ub41c \ubaa8\ub4e0 \uc774\uc57c\uae30\ub97c \uc774\ud574\ud558\uae30 \uc27d\uac8c \uc54c\ub824\ub4dc\ub9ac\uae30 \uc704\ud574 \ub178\ub825\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"\uc774\ubc88 \ud3ec\uc2a4\ud305\uc740 ETF\uad00\ub828 \ud3ec\uc2a4\ud305\uc744 \ud558\uba70 \uc5b8\uae09\ud588\ub358 \uc911\uac1c\ud615 ISA\uacc4\uc88c\ub780 \ubb34\uc5c7\uc774\uba70 \uc7a5\ub2e8\uc810, \ud65c\uc6a9 \ubc29\ubc95, \uacc4\uc88c \ub9cc\ub4dc\ub294 \ubc29\ubc95(\ud0a4\uc6c0\uc99d\uad8c) \ub4f1\uc5d0 \ub300\ud574 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ubcf8\ubb38\uc744 \ud1b5\ud574 \ud544\uc694\uc131\uc744 \ub290\ub07c\uc2dc\ub294 \ubd84\ub4e4\uc740 \uc911\uac1c\ud615 ISA \uac00\uc785\ud574\ubcf4\uc2dc\uace0 \ud61c\ud0dd\uc744 \ub204\ub9ac\uba74\uc11c \ud22c\uc790\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uc911\uac1c\ud615 ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub77c\ub294 \uba85\uce6d\uc5d0\uc11c \uc54c \uc218 \uc788\ub294 \uc810\uc740 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4. \ud558\ub098\uc758 \uacc4\uc88c\ub85c \uac1c\uc778 \uc790\uc0b0\uc744 \uc885\ud569\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\ub77c\ub294 \uac83\uacfc \uc911\uac1c\ud615 \ub9d0\uace0\ub3c4 \ub2e4\ub978 \uc720\ud615\uc758 ISA\uacc4\uc88c\uac00 \uc788\ub2e4\ub294 … <a title=\"\uc911\uac1c\ud615 ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c) \uc7a5\ub2e8\uc810 5\uac00\uc9c0, \ud65c\uc6a9 \ubc29\ubc95, \ub9cc\ub4e4\uae30\" class=\"read-more\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%a4%91%ea%b0%9c%ed%98%95-isa-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%99%9c%ec%9a%a9%eb%b0%a9%eb%b2%95\/\" aria-label=\"More on \uc911\uac1c\ud615 ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c) \uc7a5\ub2e8\uc810 5\uac00\uc9c0, \ud65c\uc6a9 \ubc29\ubc95, \ub9cc\ub4e4\uae30\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/finance-bepang.com\/wp-content\/uploads\/2023\/08\/%EC%A4%91%EA%B0%9C%ED%98%95-ISA-%EC%8D%B8%EB%84%A4%EC%9D%BC-e1693147602424.jpg?fit=480%2C497&ssl=1","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/542"}],"collection":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/comments?post=542"}],"version-history":[{"count":5,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/542\/revisions"}],"predecessor-version":[{"id":598,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/542\/revisions\/598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/media\/546"}],"wp:attachment":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/media?parent=542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/categories?post=542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/tags?post=542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}