{"id":548,"date":"2023-08-29T00:21:56","date_gmt":"2023-08-28T15:21:56","guid":{"rendered":"https:\/\/finance-bepang.com\/?p=548"},"modified":"2023-09-01T13:07:20","modified_gmt":"2023-09-01T04:07:20","slug":"%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp","status":"publish","type":"post","link":"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/","title":{"rendered":"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc7a5\ub2e8\uc810\uacfc \ud574\uc9c0 \ubc0f \uac1c\uc124, \ud22c\uc790 \ud65c\uc6a9\ubc29\ubc95,(2023\ub144\uae30\uc900)"},"content":{"rendered":"<p>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc6b4\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \ud3ec\uc2a4\ud305\uc5d0\uc11c\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uac1c\ub150\uacfc \uc7a5\ub2e8\uc810, \ud574\uc9c0 \uc2dc \uc54c\uc544\ub46c\uc57c \ud560 \uc810, \uac1c\uc124 \uc2dc \uc720\uc758\ud560 \uc810, \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ucd5c\ub300\ud55c \ub9ce\uc740 \uc815\ubcf4\ub97c \ub2e4\ub8e8\uae30 \uc704\ud574 \ub178\ub825\ud588\uc73c\ub2c8 \ud544\uc694\ud55c \ubd80\ubd84\uc744 \ubaa9\ucc28\ub97c \uc774\uc6a9\ud574 \ube60\ub974\uac8c \uc54c\uc544\ubcf4\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n<p>ETF \uad00\ub828 \ud3ec\uc2a4\ud305\uc5d0\uc11c \uc911\uac1c\ud615 ISA\uc640 IRP\uc5d0 \ub300\ud574 \uc54c\ub824\ub4dc\ub9ac\uaca0\ub2e4\uace0 \ub9d0\uc500\ub4dc\ub838\uc2b5\ub2c8\ub2e4. ISA\uc5d0 \uad00\ud55c \ub0b4\uc6a9\uc740 <span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" 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\/\">\uc774 \uae00<\/a><\/strong><\/span>\uc744 \ud1b5\ud574 \uc77d\uc5b4\ubcf4\uc2dc\uace0 ETF\uc5d0 \uad00\ub828 \ud3ec\uc2a4\ud305\uc740 \uc544\ub798\uc5d0 \ub0a8\uaca8\ub458\ud14c\ub2c8 \ud55c \ubc88 \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ub610\ud55c ETF\uc5d0 \ud22c\uc790\uac00 \uac00\ub2a5\ud558\ub2c8 \uc54c\uc544\ub450\uc2dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"fZ1Hy5OR6A\"><p><a href=\"https:\/\/finance-bepang.com\/economy\/%ea%b5%ad%eb%82%b4-etf-%ed%88%ac%ec%9e%90\/\">\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><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;\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)&#8221; &#8212; \ubca0\ud321\uc758 \ub3c8\uc774\ub418\ub294 \uc774\uc57c\uae30\" src=\"https:\/\/finance-bepang.com\/economy\/%ea%b5%ad%eb%82%b4-etf-%ed%88%ac%ec%9e%90\/embed\/#?secret=s1mV6Y0mKe#?secret=fZ1Hy5OR6A\" data-secret=\"fZ1Hy5OR6A\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"UItXyOwpyT\"><p><a href=\"https:\/\/finance-bepang.com\/economy\/%ed%95%b4%ec%99%b8-etf-%ec%88%9c%ec%9c%84\/\">\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678 ETF \uc21c\uc704 TOP10, \ucd94\ucc9c \ubc0f \uc138\uae08(\uc591\ub3c4,\ubc30\ub2f9\uc18c\ub4dd\uc138)<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678 ETF \uc21c\uc704 TOP10, \ucd94\ucc9c \ubc0f \uc138\uae08(\uc591\ub3c4,\ubc30\ub2f9\uc18c\ub4dd\uc138)&#8221; &#8212; \ubca0\ud321\uc758 \ub3c8\uc774\ub418\ub294 \uc774\uc57c\uae30\" src=\"https:\/\/finance-bepang.com\/economy\/%ed%95%b4%ec%99%b8-etf-%ec%88%9c%ec%9c%84\/embed\/#?secret=uJFro4FpQd#?secret=UItXyOwpyT\" data-secret=\"UItXyOwpyT\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"s6zg96UgnL\"><p><a href=\"https:\/\/finance-bepang.com\/economy\/%ed%95%b4%ec%99%b8%ec%83%81%ec%9e%a5-%ed%95%b4%ec%99%b8-etf\/\">\ud574\uc678\uc0c1\uc7a5 \ud574\uc678 ETF 5\uac00\uc9c0 \uc18c\uac1c(SPY, IVV, VOO, QQQ, DIA) \ubc0f \uc138\uae08<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;\ud574\uc678\uc0c1\uc7a5 \ud574\uc678 ETF 5\uac00\uc9c0 \uc18c\uac1c(SPY, IVV, VOO, QQQ, DIA) \ubc0f \uc138\uae08&#8221; &#8212; \ubca0\ud321\uc758 \ub3c8\uc774\ub418\ub294 \uc774\uc57c\uae30\" src=\"https:\/\/finance-bepang.com\/economy\/%ed%95%b4%ec%99%b8%ec%83%81%ec%9e%a5-%ed%95%b4%ec%99%b8-etf\/embed\/#?secret=I9I4ExvKkS#?secret=s6zg96UgnL\" data-secret=\"s6zg96UgnL\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>\uc9c0\uae08\ubd80\ud130 \uc6b0\uc120 IRP\uc5d0 \uad00\ud574 \uc124\uba85\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" 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href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B8%B0%EC%97%85%ED%98%95_IRP\" title=\"\uae30\uc5c5\ud615 IRP\">\uae30\uc5c5\ud615 IRP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_IRP\" title=\"\uac1c\uc778\ud615 IRP\">\uac1c\uc778\ud615 IRP<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP%EC%9D%98_%EA%B0%80%EC%9E%85_%EB%8C%80%EC%83%81\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uac00\uc785 \ub300\uc0c1\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uac00\uc785 \ub300\uc0c1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%EC%A3%BC%EC%9A%94_%ED%8A%B9%EC%A7%95\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc8fc\uc694 \ud2b9\uc9d5\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc8fc\uc694 \ud2b9\uc9d5<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%EC%9E%A5%EC%A0%90\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc7a5\uc810\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc7a5\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%EB%8B%A8%EC%A0%90\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ub2e8\uc810\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ub2e8\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%ED%95%B4%EC%A7%80\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud574\uc9c0\u00a0\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud574\uc9c0\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EC%9D%BC%EB%B6%80%ED%95%B4%EC%A7%80_%EA%B0%80%EB%8A%A5\" title=\"\uc77c\ubd80\ud574\uc9c0 \uac00\ub2a5\">\uc77c\ubd80\ud574\uc9c0 \uac00\ub2a5<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_IRP_%EA%B0%9C%EC%84%A4_%EC%8B%9C_%EC%9C%A0%EC%9D%98%EC%82%AC%ED%95%AD\" title=\"\uac1c\uc778\ud615 IRP \uac1c\uc124 \uc2dc \uc720\uc758\uc0ac\ud56d\">\uac1c\uc778\ud615 IRP \uac1c\uc124 \uc2dc \uc720\uc758\uc0ac\ud56d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%ED%88%AC%EC%9E%90_%ED%99%9C%EC%9A%A9_%EB%B0%A9%EB%B2%95\" title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/#%EB%A7%88%EC%B9%98%EB%A9%B0\" title=\"\ub9c8\uce58\uba70\">\ub9c8\uce58\uba70<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"IRP%EB%9E%80\"><\/span><strong>IRP\ub780?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IRP\ub294 Individual Retirement Pension\uc758 \uc57d\uc790\uc785\ub2c8\ub2e4. \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08\uc774\ub77c\uace0 \uc774\ud574\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4. IRP\ub294 \uae30\uc5c5\ud615\uacfc \uac1c\uc778\ud615 \ub450 \uac00\uc9c0\ub85c \ub098\ub204\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uac04\ub2e8\ud558\uac8c \uac1c\ub150 \uc815\ub3c4\ub9cc \uc124\uba85\ud558\uace0 \ub118\uc5b4\uac00\uaca0\uc2b5\ub2c8\ub2e4. \uac1c\uc778\ud615 IRP\ub294 \uc544\ub798\uc5d0\uc11c \ub354\uc6b1 \uc790\uc138\ud788 \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EA%B8%B0%EC%97%85%ED%98%95_IRP\"><\/span><strong>\uae30\uc5c5\ud615 IRP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uae30\uc5c5\ud615 IRP\ub294 \uc18c\uaddc\ubaa8 \ud68c\uc0ac\uc5d0\uc11c \ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4 \ub3c4\uc785\uc758 \uc808\ucc28\uac00 \ubc88\uac70\ub86d\uae30 \ub54c\ubb38\uc5d0 \uc808\ucc28\uac00 \uac04\ub2e8\ud55c \ud655\uc815\uae30\uc5ec\ud615(DC\ud615)\uacfc \uac19\uc740 \ud1f4\uc9c1\uc5f0\uae08\uc744 \ub3c4\uc785\ud55c \uac83\uc774\uba70 \uc0c1\uc2dc 10\uc778 \ubbf8\ub9cc\uc758 \uc0ac\uc5c5\uc7a5\uc5d0\uc11c \uacfc\ubc18\uc218 \uadfc\ub85c\uc790\uc758 \uc694\uad6c\ub098 \ub3d9\uc758\uac00 \ud544\uc694\ud558\uba70 \uae30\uc5c5\uc774 \uac00\uc785\ud558\ub294 IRP\uc785\ub2c8\ub2e4. \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc640\ub294 \uc804\ud600 \ub2e4\ub978 \uac83\uc774\uba70 \uadf8\ub0e5 \ud655\uc815\uae30\uc5ec\ud615(DC\ud615) \ud1f4\uc9c1\uc5f0\uae08\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud655\uc815\uae30\uc5ec\ud615(DC\ud615)\uc5d0 \ub300\ud574 \uac04\ub2e8\ud558\uac8c \uc124\uba85\uc774 \ud544\uc694\ud560 \uac83 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\ud1f4\uc9c1\uc5f0\uae08\uc758 \uc885\ub958<\/strong><\/span><\/p>\n<p>\ud754\ud788 \ud1f4\uc9c1\uae08\uc740 \ud1f4\uc9c1\uae08\/\ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c \ub098\ub258\uba70, \ud1f4\uc9c1\uae08\uc740 \uc77c\uc2dc\uc5d0 \uc218\ub839\ud558\ub294 \ubc18\uba74 \ud1f4\uc9c1\uc5f0\uae08\uc740 \ub9cc55\uc138 \uc774\ud6c4\uc5d0 \uc5f0\uae08 \ud615\uc2dd\uc73c\ub85c \uc9c0\uae09\ubc1b\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc885\ub958\ub294 \ud655\uc815\uae30\uc5ec\ud615(DC\ud615), \ud655\uc815\uae09\uc5ec\ud615(DB\ud615), \uac1c\uc778\ud615(IRP)\ub85c \ub098\ub258\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ud655\uc815\uae09\uc5ec\ud615(DB\ud615)<br \/>\nDB\ud615\uc740 \ub9d0 \uadf8\ub300\ub85c \ud1f4\uc9c1\uae08 \uc790\uccb4\uac00 \uadfc\ub85c\uc790 \uc785\uc7a5\uc5d0\uc11c \uc815\ud574\uc838 \uc788\ub294 \ud1f4\uc9c1\uae08\uc785\ub2c8\ub2e4. \ud1f4\uc9c1\uc77c \uae30\uc900 3\uac1c\uc6d4\uac04\uc758 \ud3c9\uade0 \uc784\uae08\uc744 \uadfc\uc18d\uc5f0\uc218\ub97c \uacf1\ud574 \uc0b0\uc815\ub418\uba70, \uc774 \ub54c \uc815\ud574\uc9c4 \ud1f4\uc9c1\uae08\uc744 \uc6b4\uc6a9\uc0ac\uc5d0 \ub9e1\uaca8 \uc6b4\uc6a9\ud558\uac8c \ub429\ub2c8\ub2e4. \uc6b4\uc6a9\ud558\uc5ec \ubc1c\uc0dd\ud55c \uc218\uc775\uc740 \ubaa8\ub450 \ud68c\uc0ac\uc5d0\uac8c \uadc0\uc18d\ub429\ub2c8\ub2e4. \uc774\ub7f0 \uc810 \ub54c\ubb38\uc5d0 \uadfc\ub85c\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \ud1f4\uc9c1\uae08 \uc790\uccb4\uac00 \ud655\uc815\ub418\uace0 \uc704\ud5d8 \ubd80\ub2f4 \ub610\ud55c \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ud655\uc815\uae30\uc5ec\ud615(DC\ud615)<br \/>\nDC\ud615\uc740 DB\uacfc \ubc18\ub300 \uac1c\ub150\uc785\ub2c8\ub2e4. \ud655\uc815\uae30\uc5ec\ud615\uc758 \ud1f4\uc9c1\uae08\uc740 \uc6d4\uae09\uc218\ub839\uc561\uc744 1\/12\ub85c \ud558\uc5ec \uc801\ub9bd\ud558\uace0 \uc218\uc775\uae08\uc5d0 \uad00\ud558\uc5ec \uadfc\ub85c\uc790\uc5d0\uac8c \uadc0\uc18d\ub429\ub2c8\ub2e4. \uc774\ub54c\uc758 \ud1f4\uc9c1\uae08\uc740 \uc218\uc775\uc5d0 \ub530\ub77c DB\ud615\ubcf4\ub2e4 \ub9ce\uc744\uc218\ub3c4 \uc801\uc744\uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. DC\ud615\uc740 \uc704\ud5d8\ubd80\ub2f4\uc774 \uadfc\ub85c\uc790\uc5d0\uac8c \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uac1c\uc778\ud615(IRP)<br \/>\n\uac1c\uc778\ud615(IRP)\uc758 \uacbd\uc6b0 \ubcf4\ud1b5 \ud1f4\uc0ac\ud560 \ub54c \ud68c\uc0ac\uc5d0\uc11c \ub9cc\ub4dc\ub294\uac83\uc744 \uc694\uad6c\ud558\uba70 \ud1f4\uc9c1 \ud6c4 \uc218\ub839\ud55c \ud1f4\uc9c1\uae08\uc774 \uc785\uae08\ub418\uba70 \uc790\uc720\ub86d\uac8c \uac1c\uc778\uc774 \ucd94\uac00\ub0a9\uc785\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uae30\uc5c5\ud615 IRP\uc758 \uc9c0\uae09 \ubc29\uc2dd<\/span><\/strong><\/p>\n<p>\uae30\uc5c5\ud615 IRP\uc758 \uc9c0\uae09 \ubc29\uc2dd\uc740 \uc77c\ubc18\uc801\uc778 \ud655\uc815\uae30\uc5ec\ud615(DC\ud615) \ud1f4\uc9c1\uae08\uacfc \ub3d9\uc77c\ud558\uac8c \uc0ac\uc5c5\uc8fc\uac00 \uc785\uae08\uc758 1\/12\ub97c \uc801\ub9bd\ud558\uace0, \uadf8 \uc801\ub9bd\uae08\uc758 \uc6b4\uc6a9\uc218\uc775\uae4c\uc9c0 \uadfc\ub85c\uc790\uac00 \ud1f4\uc9c1\ud560 \uacbd\uc6b0 \uc9c0\uae09\ud558\uac8c \ub429\ub2c8\ub2e4. \ud1f4\uc9c1\uc790\uac00 \uae30\uc874\uc758 \uac1c\uc778 \ud1f4\uc9c1\uc5f0\uae08 IRP\uac00 \uc788\uc744 \uacbd\uc6b0 \uae30\uc5c5\ud615 IRP\uc5d0\uc11c \uac1c\uc778\ud615 IRP\ub85c \ud1f4\uc9c1\uae08\uc774 \uc774\uc804\ub429\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_IRP\"><\/span><strong>\uac1c\uc778\ud615 IRP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uac1c\uc778\ud615 IRP\ub294 \uc27d\uac8c \ub9d0\ud574\uc11c \ubaa8\ub4e0 \ud68c\uc0ac\uc758 \ud1f4\uc9c1 \uc5f0\uae08\uc744 \uc740\ud1f4\ud558\uae30 \uc804\uae4c\uc9c0 \ud558\ub098\uc758 \uacc4\uc88c\uc5d0 \ubaa8\uc544\ub450\ub294 \uacf3\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4. \uc694\uc998\uc740 \ud3c9\uc0dd\uc9c1\uc7a5\uc774\ub77c\ub294 \ub9d0\uc774 \ubb34\uc0c9\ud560 \uc815\ub3c4\ub85c \uc774\uc9c1, \uc804\uc9c1\uc73c\ub85c \uc778\ud558\uc5ec \ud55c \uacf3\uc758 \ud68c\uc0ac\uc5d0\uc11c\ub9cc \uadfc\ubb34\ud558\ub294 \uacbd\uc6b0\ub294 \uc798 \uc5c6\uc2b5\ub2c8\ub2e4. \uac1c\uc778\ud615 IRP\uc758 \uacbd\uc6b0\ub294 \uac1c\uc778\uc774 \ucd94\uac00 \ub0a9\uc785\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc5b4\uc11c DC\ud615, DB\ud615\uacfc\ub294 \ucc28\uc774\uc810\uc774 \uc788\ub294 \ud1f4\uc9c1 \uc5f0\uae08 \uc885\ub958\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc544\ub798\uc758 \uadf8\ub9bc\uc744 \ubcf4\uc2dc\uba74 \uae30\uc5c5\ud615 IRP\uc640 \uac1c\uc778\ud615 IRP\uc758 \uac1c\ub150\uc744 \ubcf4\ub2e4 \uc27d\uac8c \uc774\ud574\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 390px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/blog.kakaocdn.net\/dn\/kR85R\/btsshsWPfWy\/3naI0RETUTzJccCtNRuCO0\/img.jpg?resize=400%2C400&#038;ssl=1\" alt=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP, \uae30\uc5c5\ud615 IRP \uc27d\uac8c \uc774\ud574\ud558\uae30\" width=\"400\" height=\"400\" \/><figcaption class=\"wp-caption-text\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP, \uae30\uc5c5\ud615 IRP\uc758 \uac1c\ub150<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>\uc544\ub798\uc5d0\uc11c \ubcf8\ubb38\uc5d0\uc11c \uc8fc\ub85c \ub2e4\ub8f0 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\ub97c \ub354\uc6b1 \uc790\uc138\ud558\uac8c \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>\uc704\uc5d0\uc11c \uac04\ub2e8\ud55c \uac1c\ub150\uc744 \uc124\uba85\ub4dc\ub838\uc9c0\ub9cc \ubcf8 \ud3ec\uc2a4\ud305\uc758 \uc8fc\ub41c \ub0b4\uc6a9\uc774 \uac1c\uc778 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc774\ubbc0\ub85c \ub354\uc6b1 \uc790\uc138\ud558\uac8c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP%EC%9D%98_%EA%B0%80%EC%9E%85_%EB%8C%80%EC%83%81\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uac00\uc785 \ub300\uc0c1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\uc18c\ub4dd\uc774 \uc788\ub294 \ubaa8\ub4e0 \uadfc\ub85c\uc790, \uc0ac\uc5c5\uc790, \uacf5\ubb34\uc6d0, \ud1f4\uc9c1\uc790\ub77c\uba74 \ubaa8\ub450 \uac00\uc785\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%EC%A3%BC%EC%9A%94_%ED%8A%B9%EC%A7%95\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc8fc\uc694 \ud2b9\uc9d5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uc8fc\uc694 \ud2b9\uc9d5\uc740 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uacfc \ub178\ud6c4\ub300\ube44\uc790\uae08 \ud615\uc131\uc774 \uc8fc \ub41c \ud2b9\uc9d5\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ub0a9\uc785\ud55c\ub3c4 : \uc5f0\uac04 1,800\ub9cc\uc6d0\uae4c\uc9c0 \uac00\ub2a5<\/li>\n<li>\ud22c\uc790\uc0c1\ud488 : \uc6d0\ub9ac\uae08 \uc9c0\uae09\uc0c1\ud488(\uc815\uae30\uc608\uae08), \uc2e4\uc801\ubc30\ub2f9\ud615 \uc0c1\ud488(\ud380\ub4dc), ETF \ud22c\uc790 \uac00\ub2a5<\/li>\n<li>\uc5f0\uae08\uc870\uac74 : \ud604\ud589\ubc95 \uc0c1 \ub9cc 55\uc138 \uc774\ud6c4\uc5d0 \ud1f4\uc9c1\uc5f0\uae08 \uc218\ub839\uac00\ub2a5(\ub2e8, \ud1f4\uc9c1 \uc801\ub9bd\uae08 \uc774\uccb4 \uc5c6\uc774 \ucd94\uac00 \uc801\ub9bd\uae08\ub9cc \uc788\uc744 \uacbd\uc6b0 \uac00\uc785 \uae30\uac04 5\ub144 \uc774\uc0c1 \ucda9\uc871)<\/li>\n<li>\uc138\uc561\uacf5\uc81c\ud55c\ub3c4 : \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc640 \ud569\uc0b0\ud558\uc5ec \ub0a9\uc785\uae08\uc5d0 \ub300\ud558\uc5ec \uc5f0\uac04 \ucd5c\ub300 900\ub9cc\uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c 600\ub9cc\uc6d0 \/ \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP 300\ub9cc\uc6d0)<\/li>\n<li>\uc138\uc561\uacf5\uc81c\uc561 : \uc5f0\uac04 \uc138\uc561\uacf5\uc81c \ucd5c\ub300\uae08 900\ub9cc\uc6d0\uc5d0 \ub300\ud574 \ucd1d\uae09\uc5ec 5,500\ub9cc\uc6d0\uc744 \uae30\uc900\uc73c\ub85c \ucd08\uacfc\uc2dc 13.2% \/ \uc774\ud558\uc77c \uacbd\uc6b0 16.5%\ub9cc\ud07c \uacf5\uc81c\ub418\uc5b4 \ucd08\uacfc \uc2dc \ucd5c\ub300 118.8\ub9cc\uc6d0\/ \uc774\ud558\uc77c \uacbd\uc6b0 \ucd5c\ub300 148.5\ub9cc\uc6d0\uc744 \uc138\uc561 \uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uacfc\uc138\uc774\uc5f0\ud6a8\uacfc : \uacfc\uc138\uc774\uc5f0\uc740 \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc138\uae08\uc744 \ucc45\uc815\ud558\ub294 \ubc29\uc2dd\uc774 \uc544\ub2cc \uc778\ucd9c\ud560 \ub54c \uc138\uae08\uc744 \uc9d5\uc218\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\uc8fc\uc694 \ud2b9\uc9d5\uc744 \uc54c\uc544\ubcf4\uc558\uc73c\ub2c8 \uc7a5\uc810\uc744 \uc124\uba85\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%EC%9E%A5%EC%A0%90\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc7a5\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uac1c\uc778\ud615 \uc7a5\uc810\uc740 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uacfc \uc5f0\uae08\uc73c\ub85c \uc218\ub839 \uc2dc \uc808\uc138\ud6a8\uacfc, \uacfc\uc138\uc774\uc5f0\ud6a8\uacfc\ub85c \uc778\ud55c \ubcf5\ub9ac \ud6a8\uacfc \ub4f1\uc73c\ub85c 3\uac00\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \uc774\uc6a9\ud558\uc5ec \uc548\uc815\uc801\uc73c\ub85c \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ud615\uc131\ud560 \uc218 \uc788\uc73c\uba70 \uc801\uc808\ud55c \ud22c\uc790\uc5d0 \uc0ac\uc6a9\ud55c\ub2e4\uba74 \uc6d0\uae08\uc744 \ud3ec\ud568\ud558\uc5ec \uc6b4\uc6a9\uc218\uc775\uae08\uc744 \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc138\uc561\uacf5\uc81c \ud61c\ud0dd<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uc7a5\uc810\uc740 \ucd94\uac00\ub0a9\uc785\uae08\uc5d0 \ub300\ud558\uc5ec \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc640 \ud569\uc0b0\ud558\uc5ec \uc5f0\ub9d0 \uc815\uc0b0 \uc2dc \uc5f0\uac04 \ucd5c\ub300 900\ub9cc\uc6d0\uae4c\uc9c0(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c 600\ub9cc\uc6d0 \/ \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP 300\ub9cc\uc6d0) \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uc810\uc785\ub2c8\ub2e4.\u00a0 \ub610\ud55c \uc18c\ub4dd\uc5d0 \ub530\ub77c \uc5f0\ub9d0 \uc815\uc0b0 \uc2dc \ucd5c\ub300 \uacf5\uc81c\uae08\uc561 900\ub9cc\uc6d0\uc5d0 \ub300\ud558\uc5ec \ucd1d\uae09\uc5ec 5,500\ub9cc\uc6d0 \ucd08\uacfc\uc2dc 13.2%\ub97c \uc138\uc561 \uacf5\uc81c\uae08\uc73c\ub85c \ucd5c\ub300 118.8\ub9cc\uc6d0 \/ \ucd1d\uae09\uc5ec 5,500\ub9cc\uc6d0 \uc774\ud558\uc77c \uacbd\uc6b0 16.5%, \ucd5c\ub300 148.5\ub9cc\uc6d0\uc744 \uc138\uc561 \uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4..<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 974px\" 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\/bcEcqI\/btssgotSVkI\/UwkN3UvKxDQ3vod5cWaFpK\/img.jpg?resize=984%2C480&#038;ssl=1\" alt=\"\uac1c\uc778\ud615 IRP \uc138\uc561\uacf5\uc81c\uc640 \uc138\uae08\ud658\uae09\ud61c\ud0dd\" width=\"984\" height=\"480\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>\uc774\ub7f0 \uc138\uc561\uacf5\uc81c\uc640 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \ud658\uae09\ud61c\ud0dd\uc73c\ub85c \uc778\ud558\uc5ec \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc774\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc5f0\uae08\uc73c\ub85c \uc218\ub839 \uc2dc \ub354 \ub0ae\uc740 \uc138\uc728<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>\ud1f4\uc9c1\uae08\uc744 \ubc14\ub85c \uc218\ub839 \ubc1b\uac8c \ub418\uba74 16.5%\uc758 \uc138\uc728\ub85c \ud1f4\uc9c1\uc18c\ub4dd\uc138\ub97c \ub0b4\uac8c \ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc IRP\ub85c \ud1f4\uc9c1\uae08\uc744 \uc774\uccb4\ud558\uc5ec \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud558\uac8c \ub41c\ub2e4\uba74 \uc6d0\uae08\uc5d0 \ub300\ud574\uc11c\ub294 16.5%\uc758 \ud1f4\uc9c1\uc18c\ub4dd\uc138\uc758 70%\ub9cc \ubd80\uacfc\ud558\uba70, \uc6b4\uc6a9\uc218\uc775\uae08\uc5d0 \ub300\ud574\uc11c\ub294 \uc5f0\uae08\uc18c\ub4dd \uc138\uc728\uc778 3.3% ~ 5.5%\ub9cc \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n<figure style=\"width: 928px\" 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\/U2QeB\/btsshm979Y9\/8nl27nk35Wp1JFwSAkU2Tk\/img.jpg?resize=938%2C178&#038;ssl=1\" alt=\"IRP\uc5d0\uc11c \uc5f0\uae08\uc73c\ub85c \uc218\ub839 \uc2dc \uc7a5\uc810\" width=\"938\" height=\"178\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uacfc\uc138\uc774\uc5f0 \ud6a8\uacfc\ub85c \uc778\ud55c \ubcf5\ub9ac\ud6a8\uacfc<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uacfc\uc138\uc774\uc5f0\uc5d0 \ub300\ud574 \uc704\uc5d0\uc11c \uc7a0\uae50 \uc124\uba85\ud588\uc9c0\ub9cc \ud55c\ubc88 \ub354 \uc124\uba85 \ub4dc\ub9ac\uc790\uba74 \ubcf4\ud1b5\uc758 \uc138\uae08\uc740 \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud558\ub294 \uc989\uc2dc \uc138\uae08 \ub610\ud55c \ubc1c\uc0dd\ud558\uac8c \ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uacfc\uc138\uc774\uc5f0\uc740 \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud560 \ub54c \uc138\uae08\uc774 \ubd80\uacfc\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ubc1c\uc0dd\ud55c \uc18c\ub4dd\uc744 \uc778\ucd9c \ud560 \ub54c \ubc1c\uc0dd\ud558\uac8c \ub429\ub2c8\ub2e4. \uc77c\uc885\uc758 \uae30\ud68c\ube44\uc6a9\uba74\uc5d0\uc11c \ud61c\ud0dd\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud1f4\uc9c1\uae08\uc744 \ubc14\ub85c \uc218\ub839\ud558\uac8c \ub41c\ub2e4\uba74 \ud1f4\uc9c1\uc18c\ub4dd\uc138\uac00 \ubd80\uacfc \ub418\uc9c0\ub9cc \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\ub85c \uc218\ub839\ud558\uac8c \ub41c\ub2e4\uba74 \ud1f4\uc9c1\uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub418\uc9c0 \uc54a\uace0 \uc804\uc561\uc774 \uc774\uccb4\ub429\ub2c8\ub2e4. \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc740 \uc138\uae08\uc73c\ub85c \uc218\uc775\uc744 \ub354 \uc5bb\uc744 \uc218 \uc788\ub294 \uc77c\uc885\uc758 \ubcf5\ub9ac\ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\ub294 \uc810\uc774 \uc7a5\uc810\uc785\ub2c8\ub2e4.<\/p>\n<figure style=\"width: 943px\" 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\/bdhTDz\/btssgqk1yWn\/LCPcaeIDnwNfBe6BBWRVQ1\/img.jpg?resize=953%2C322&#038;ssl=1\" alt=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uacfc\uc138\uc774\uc5f0\ud6a8\uacfc\" width=\"953\" height=\"322\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>\uc8fc\uc694 \ud2b9\uc9d5\uc73c\ub85c \uc778\ud574 \uc0dd\uae30\ub294 \uc7a5\uc810\uc744 \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub2e8\uc810\uc740 \ubb34\uc5c7\uc774 \uc788\uc744\uae4c\uc694?<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%EB%8B%A8%EC%A0%90\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ub2e8\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uac1c\uc778\ud615 IRP\uc758 \ub2e8\uc810\uc740 \ud574\uc9c0 \uc2dc \ud61c\ud0dd \ubc1b\uc558\ub358 \uc5f0\ub9d0\uc815\uc0b0\uacf5\uc81c\ub97c \ud3ec\ud568\ud55c \uc138\uae08\uc5d0 \ub300\ud558\uc5ec \ub2e4\uc2dc \ub0b4\uc57c\ud558\ub294 \uc810, \uc5f0\uae08\uc218\ub839\uae4c\uc9c0\uc758 \uc2dc\uae30\uac00 \ub108\ubb34 \uae38\ub2e4\ub294 \uc810, \ud22c\uc790\ub85c \uc778\ud55c \uc6d0\uae08\uc190\uc2e4 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e8\uc810\uc758 \uc8fc\uc694 \ub0b4\uc6a9\uc740 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc744 \uc7a5\uae30\uac04 \uc720\uc9c0\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc0dd\uac01\ud55c\ub2e4\uba74 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc744 \uc7a5\uae30\uac04 \uc720\uc9c0\ud560 \uc218\ub9cc \uc788\ub2e4\uba74 \uc88b\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ud574\uc9c0\uac00 \uc790\uc720\ub86d\uc9c0\ub9cc \ud574\uc9c0 \uc2dc \ud61c\ud0dd\ubc1b\uc558\ub358 \uc138\uae08(\uc5f0\ub9d0\uc815\uc0b0\ud3ec\ud568)\uc5d0 \ub300\ud558\uc5ec \ubd80\uacfc\ub428<\/span><\/strong><\/p>\n<p>\uac1c\uc778\ud615 IRP\ub294 \uc911\ub3c4\ud574\uc9c0 \uc218\uc218\ub8cc \uc5c6\uc774 \uc5b8\uc81c\ub4e0\uc9c0 \ud574\uc9c0\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc911\ub3c4\ud574\uc9c0 \ud560 \uacbd\uc6b0 \uadf8\ub3d9\uc548 \uc138\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc558\ub358 \uc138\uae08(\uc5f0\ub9d0\uc815\uc0b0\ud3ec\ud568)\uc744 \ub2e4\uc2dc \ubd80\uacfc\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7f0 \uc810 \ub54c\ubb38\uc5d0 \uae09\ud558\uac8c \ub3c8\uc744 \uc368\uc57c\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \ud61c\ud0dd\uc744 \ubc1b\uc9c0 \ubabb\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc548\uc815\uc801\uc778 \uacbd\uc81c \uc0c1\ud669\uacfc \ube44\uc0c1\uae08 \ub4f1\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ud574\uc9c0\uc5d0 \uad00\ud55c \ub0b4\uc6a9\uc740 \uc544\ub798\uc5d0\uc11c \uc880 \ub354 \uc124\uba85\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc5f0\uae08\uc218\ub839\uae4c\uc9c0\uc758 \uc2dc\uae30\uac00 \ub108\ubb34 \uae38\ub2e4.<\/span><\/strong><\/p>\n<p>\uac1c\uc778\ud615 IRP\uc758 \uc7a5\uc810\uc5d0\uc11c \uc5f0\uae08\uc73c\ub85c \uc218\ub839 \uc2dc \uc808\uc138 \ud6a8\uacfc\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4\uace0 \ub9d0\uc500\ub4dc\ub838\uc9c0\ub9cc, \ud604\ud589\ubc95 \uc0c1\uc73c\ub85c \ub9cc 55\uc138\uac00 \uc9c0\ub098\uc57c \uc5f0\uae08\uc218\ub839\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774 \ub9d0\uc740 \uc989, \ub9cc 55\uc138\uae4c\uc9c0 \ud1f4\uc9c1\uae08\uc774 \uc628\uc804\ud558\uac8c IRP\uc5d0 \ub0a9\uc785 \ub418\uc5b4 \uc788\uc5b4\uc57c \ud55c\ub2e4\ub294 \ub9d0\uacfc \ub3d9\uc77c\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ud22c\uc790\ub97c \ud560 \uacbd\uc6b0 \uc6d0\uae08 \uc190\uc2e4 \uac00\ub2a5<\/span><\/strong><\/p>\n<p>\uc704\uc5d0\uc11c \ub9d0\uc500\ub4dc\ub838\ub4ef\uc774 \uac1c\uc778\ud615 IRP\ub85c \ud22c\uc790\uc6b4\uc6a9\uc774 \uac00\ub2a5\ud558\uba70 \ud22c\uc790\uc6b4\uc6a9\uc73c\ub85c \uc778\ud574 \uc6b4\uc6a9\uc218\uc775\uae08\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc6d0\uae08\uc744 \ubcf4\uc7a5\ud574\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc758 \uacbd\uc6b0\ub294 \uc6d0\ub9ac\uae08\uc9c0\uae09\uc0c1\ud488(\uc815\uae30\uc608\uae08), \uc2e4\uc801\ubc30\ub2f9\uc0c1\ud488(\ud380\ub4dc), ETF\uc5d0 \ud22c\uc790\uac00 \uac00\ub2a5\ud558\uba70 \ud574\uc678\uc0c1\uc7a5 \uc8fc\uc2dd(ETF)\ub294 \ubd88\uac00\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc758 \uc704\ud5d8\ub3c4\uc5d0 \ub530\ub77c \ucd08\uc800\uc704\ud5d8\uad70, \uc800\uc704\ud5d8\uad70, \uc911\uc704\ud5d8\uad70, \uace0\uc704\ud5d8\uad70\uc73c\ub85c \ub098\ub258\uba70 IRP \ucd1d\uc801\ub9bd\uae08\uc561\uc758 70%\uc758 \ud574\ub2f9\ud558\ub294 \uae08\uc561\ub9cc \uc704\ud5d8\uc790\uc0b0\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704\ud5d8\uc790\uc0b0\uc2dc\uc810\uae4c\uc9c0 \ub0a8\uc740 \uae30\uac04\uc744 \uc54c\uc544\uc11c \ud30c\uc545\ud558\uc5ec \uc548\uc804\uc790\uc0b0\uc758 \ube44\uc911\uc744 \uc870\uc808\ud574\uc8fc\ub294 TDF \uc0c1\ud488\ub3c4 \uc788\uc73c\ub2c8 \ucc38\uace0\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. TDF\ub294 \ucd94\ud6c4 \ub530\ub85c \ud3ec\uc2a4\ud305\ud558\uc5ec \uc790\uc138\ud558\uac8c \ub2e4\ub904\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc704\uc5d0\uc11c \uc7a0\uae50 \uc5b8\uae09\ud588\ub358 \ud574\uc9c0 \uc2dc \uc54c\uc544\ub450\uc5b4\uc57c \ud558\ub294 \uc810\uc744 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%ED%95%B4%EC%A7%80\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud574\uc9c0\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>\uac1c\uc778\ud615 IRP\ub294 \uc911\ub3c4\uc218\uc218\ub8cc \uc5c6\uc774 \uc5b8\uc81c\ub4e0\uc9c0 \ud574\uc9c0\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc911\ub3c4\ud574\uc9c0\ub098 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud558\uc9c0 \uc54a\uc740 \uacbd\uc6b0\ub294 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd80\uacfc\ub418\uba70 \uadf8 \ub3d9\uc548 \ubc1b\uc558\ub358 \uc138\uc81c \ud61c\ud0dd \ub610\ud55c \ub2e4\uc2dc \ubd80\uacfc\ub429\ub2c8\ub2e4. \ub610\ud55c \uc5f0\uae08\uc73c\ub85c \uc804\ud658\ud558\ub354\ub77c\ub3c4 \uc77c\ubd80 \uc778\ucd9c\uc740 \uac00\ub2a5\ud558\ub098 \uc774 \uacbd\uc6b0\ub3c4 \uc778\ucd9c\uae08\uc5d0 \ub300\ud55c \uc138\uae08\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n<figure style=\"width: 851px\" 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\/LlTrV\/btssgpGlMAf\/uhnnA1V6DpWFvEVFURXOZk\/img.jpg?resize=861%2C921&#038;ssl=1\" alt=\"\uac1c\uc778\ud615 IRP \ud574\uc9c0 \uc2dc\" width=\"861\" height=\"921\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>\ud558\uc9c0\ub9cc \uc77c\ubd80\ud574\uc9c0 \uac00\ub2a5 \uc870\uac74\uc774 \uba87 \uac00\uc9c0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc810\uc744 \uaf2d \uae30\uc5b5\ud574\ub450\uc2dc\uba74 \uc88b\uc744 \uac83 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EC%9D%BC%EB%B6%80%ED%95%B4%EC%A7%80_%EA%B0%80%EB%8A%A5\"><\/span><strong>\uc77c\ubd80\ud574\uc9c0 \uac00\ub2a5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\uc544\ub798\uc758 \uc870\uac74\uc5d0 \ubd80\ud569\ub41c\ub2e4\uba74 \uc77c\ubd80\ud574\uc9c0\uac00 \uac00\ub2a5\ud558\uba70 \ud61c\ud0dd \ubc1b\uc558\ub358 \uc138\uae08\uc5d0 \ub300\ud558\uc5ec \ub2e4\uc2dc \uacfc\uc138\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc8fc\uc758 \uae4a\uac8c \uc0b4\ud3b4\ubcf4\uc2dc\uace0 \ubcf8\uc778\uc774 \ud574\ub2f9\ud558\ub294\uc9c0 \uc54c\uc544\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ubb34\uc8fc\ud0dd\uc790\uac00 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uac70\ub098 \uc804\uc138 \ub4f1\uc5d0 \uc774\uc6a9\ud558\uae30 \uc704\ud55c \ud574\uc9c0<\/li>\n<li>6\uac1c\uc6d4 \uc774\uc0c1 \uc694\uc591\uc774 \ud544\uc694\ud55c \uacbd\uc6b0(\uc544\ud508 \uacbd\uc6b0, \uc785\uc6d0\uc774\ub098 \uc218\uc220\uc774 \ud544\uc694\ud55c \uacbd\uc6b0)<\/li>\n<li>\ud30c\uc0b0 \uc120\uace0\ub97c \ud588\uc744 \uacbd\uc6b0<\/li>\n<li>\ucc9c\uc7ac\uc9c0\ubcc0\uc73c\ub85c \uc778\ud55c \uc190\uc2e4\ub85c \uc778\ud55c \uc778\ucd9c\uc774 \ud544\uc694\ud55c \uacbd\uc6b0<\/li>\n<\/ul>\n<p>\uc704\uc758 4\uac00\uc9c0 \uc870\uac74\uc744 \ub9cc\uc871\ud558\uc2dc\uba74 \uc77c\ubd80\ud574\uc9c0\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub354\uc6b1 \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \ubcf8\uc778\uc758 \uac1c\uc778\ud615 IRP \uacc4\uc88c\uac00 \uc788\ub294 \uc740\ud589, \uc99d\uad8c\uc0ac\uc5d0 \ubb38\uc758\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_IRP_%EA%B0%9C%EC%84%A4_%EC%8B%9C_%EC%9C%A0%EC%9D%98%EC%82%AC%ED%95%AD\"><\/span><strong>\uac1c\uc778\ud615 IRP \uac1c\uc124 \uc2dc \uc720\uc758\uc0ac\ud56d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>\uac1c\uc778\ud615 IRP\ub294 \uc2dc\uc911\uc740\ud589\uacfc \uc99d\uad8c\uc0ac\uc5d0\uc11c \ubaa8\ub450 \uac1c\uc124 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub610\ud55c \ubaa8\ubc14\uc77c\uc774\ub098 \uc778\ud130\ub137\uc73c\ub85c \ube44\ub300\uba74 \uac1c\uc124 \ub610\ud55c \uac00\ub2a5\ud569\ub2c8\ub2e4. \uac1c\uc124 \ubc29\ubc95\uc740 \ub108\ubb34\ub098 \uac04\ub2e8\ud558\uace0 \ub2e4\ub978 \ubd84\ub4e4\uc774 \ub9ce\uc774 \ub2e4\ub8e8\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \ucc38\uace0\ud558\uc2dc\uace0 \uac1c\uc124\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc81c\uac00 \ub9d0\uc500\ub4dc\ub9ac\uace0 \uc2f6\uc740 \uac83\uc740 \ud22c\uc790\uc5d0 \uc774\uc6a9\ud560 \uc2dc \uc2dc\uc911\uc740\ud589\uc5d0\uc11c \uac1c\uc124\ud558\ub294 \uac83\ubcf4\ub2e4\ub294 \uc99d\uad8c\uc0ac\uc5d0\uc11c \uac1c\uc124\ud558\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \uc2dc\uc911\uc740\ud589\uc758 IRP\uc758 \uacbd\uc6b0\ub294 \uc815\uae30 \uc608\uae08\uc740 \uac00\ub2a5\ud558\ub098 \uc218\uc775\ubd84\ubc30\ud615 \uc0c1\ud488(\ud380\ub4dc), ETF, \ub9bf\uce20 \ub4f1\uc758 \uc0c1\ud488 \uc774\uc6a9\uc774 \ubd88\uac00\ub2a5\ud55c \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub530\ub77c\uc11c, \ubcf8\uc778\uc774 \uae08\uc735 \uc0c1\ud488\uc5d0 \ud1f4\uc9c1\uc5f0\uae08\uc744 \ud22c\uc790\ud560 \uc608\uc815\uc774\ub77c\uace0 \ud558\uc2e0\ub2e4\uba74 \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4\ub294 \uc99d\uad8c\uc0ac\uc5d0\uc11c \uc218\uc218\ub8cc, \ud61c\ud0dd \ub4f1\uc744 \ube44\uad50\ud574\ubcf4\uc2dc\uace0 \uac1c\uc124\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4. \uc7a5\uae30\uac04 \uc6b4\uc601\ud574\uc57c \ud61c\ud0dd\uc744 \ubcfc \uc218 \uc788\ub294 \uac1c\uc778\ud615 IRP\uc758 \uacbd\uc6b0\ub294 \uc628\ub77c\uc778\uc744 \ud1b5\ud55c \ube44\ub300\uba74 \uac1c\uc124\ubcf4\ub2e4\ub294 \uc9c1\uc811 \ubc29\ubb38\uc774\ub098 \uc804\ud654 \ubb38\uc758\ub97c \ud1b5\ud558\uc5ec \uad81\uae08\ud55c \uc810, \uc8fc\uc758 \uc0ac\ud56d \ub4f1\uc744 \ucda9\ubd84\ud788 \uc219\uc9c0\ud55c \ud6c4 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub294 \uac1c\uc778\ud615 IRP\ub97c \ub9cc\ub4dc\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_IRP_%ED%88%AC%EC%9E%90_%ED%99%9C%EC%9A%A9_%EB%B0%A9%EB%B2%95\"><\/span><strong>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ud1f4\uc9c1\uc5f0\uae08\uc5d0 \ub300\ud55c \uad00\uc2ec\ub3c4\uc640 \ud22c\uc790 \uc131\ud5a5\uc774 \uac1c\uac1c\uc778\ub9c8\ub2e4 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uadf8\uc5d0 \ub530\ub978 \uc131\ud5a5 \ubcc4\ub85c \uc815\ub9ac\ud574\ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8\uc778\uc758 \ub178\ud6c4\ub300\ube44\uc790\uae08\uc778 \ud1f4\uc9c1\uc5f0\uae08\uc774\ub2c8 \ud22c\uc790\ub294 \ubcf8\uc778\uc758 \uc120\ud0dd\uc774\uc9c0\ub9cc \ubcf8\uc778\uc774 \ud1f4\uc9c1\uc5f0\uae08\uc774 \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ub418\uace0 \uc788\ub294\uc9c0, \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ub418\uc5b4\uc57c \ud560 \uc9c0 \uc815\ubcf4\ub97c \uc54c\ub824\ub4dc\ub9ac\uae30 \uc704\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4. \ud22c\uc790\ub97c \uac15\uc694\ud558\uae30 \uc704\ud55c \ubaa9\uc801\uc774 \uc544\ub2d8\uc744 \ubd84\uba85\ud788 \ubc1d\ud799\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ud1f4\uc9c1\uc5f0\uae08\uc744 \uc544\uc608 \ubc29\uce58\ud558\uace0 \uc788\uc5c8\ub2e4\uba74 \uba3c\uc800 \ub514\ud3f4\ud2b8\uc635\uc158(\uc0ac\uc804\uc9c0\uc815\uc6b4\uc6a9\uc81c\ub3c4)\uc744 \ud655\uc778\ud574\ubcf4\uc790.<\/span><\/strong><\/p>\n<p>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc5d0 \uc788\ub294 \ud1f4\uc9c1\uae08\uc744 \ub530\ub85c \uc6b4\uc601\ud558\uc9c0 \uc54a\ub294 \ubd84\ub4e4\uc744 \uc704\ud574\uc11c \uc9c0\ub09c2022\ub144 7\uc6d4 12\uc77c \ub514\ud3f4\ud2b8\uc635\uc158(\uc0ac\uc804\uc9c0\uc815\uc6b4\uc6a9\uc81c\ub3c4)\uc744 \ub3c4\uc785\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ub798\ub294 \ud1f4\uc9c1\uc5f0\uae08 \ub514\ud3f4\ud2b8\uc635\uc158\uc5d0 \uad00\ud55c \uae30\uc0ac\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<div><center><br \/>\n<a class=\"myButton\" href=\"https:\/\/www.mk.co.kr\/economy\/view\/2023\/630740\" rel=\"noopener\">\uad00\ub828\uae30\uc0ac \ubcf4\ub7ec\uac00\uae30<\/a><\/center><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\ud574\ub2f9 \uae30\uc0ac \ub0b4\uc6a9\uc740 \ub514\ud3f4\ud2b8\uc635\uc158\uc758 \uac04\ub2e8\ud55c \uc124\uba85\uacfc \uc544\uc9c1\ub3c4 \ub9ce\uc740 \ud1f4\uc9c1\uc5f0\uae08\uc774 \uc740\ud589\uc608\uc801\uae08 \ub4f1\uc758 \uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488\uc5d0 \ub300\ubd80\ubd84 \ubab0\ub824\uc788\uc9c0\ub9cc \uae08\ub9ac\uac00 \ub192\uc740 \ud604 \uc2dc\ub300\uc5d0 \uc218\uc694\uac00 \ub298\uc5b4\ub09c \uc6d0\uc778\ub3c4 \uc788\ub2e4\ub294 \ub0b4\uc6a9\uc758 \uae30\uc0ac\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub514\ud3f4\ud2b8\uc635\uc158\uc5d0 \ub300\ud574\uc11c \uc815\ub9ac\ud574\ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\ub514\ud3f4\ud2b8\uc635\uc158(\uc0ac\uc804\uc9c0\uc815\uc6b4\uc6a9\uc81c\ub3c4)<\/span><\/strong><\/p>\n<p>\ub514\ud3f4\ud2b8\uc635\uc158\uc774\ub780 &#8216;\ucc98\uc74c\ubd80\ud130 \uc124\uc815\ub41c \uae30\ubcf8\uac12&#8217;\uc774\ub77c\ub294 \ub73b\uc785\ub2c8\ub2e4. \ud1f4\uc9c1\uc790(\uadfc\ub85c\uc790,\uac00\uc785\uc790)\uac00 \ubcf8\uc778\uc758 \ud1f4\uc9c1\uc5f0\uae08 \uc801\ub9bd\uae08\uc744 \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud560 \uac83\uc778\uc9c0 \uacb0\uc815\ud558\uc9c0 \uc54a\uc740 \uacbd\uc6b0, \ud1f4\uc9c1\uc5f0\uae08 \uc0ac\uc5c5\uc790(\uc740\ud589, \uc99d\uad8c, \ubcf4\ud5d8\uc0ac \ub4f1)\uac00 \uc0ac\uc804\uc5d0 \uc124\uc815\ud574 \ub454 \uae08\uc735\uc0c1\ud488\uc73c\ub85c \ud1f4\uc9c1\uae08\uc744 \uc790\ub3d9 \ud22c\uc790\ud558\uac8c \ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud1f4\uc9c1\uc5f0\uae08\uc740 \ud1f4\uc9c1\uc790\ub4e4\uc758 \ub178\ud6c4\ub300\ube44\uc790\uc0b0\uacfc \uc548\uc815\uc790\uc0b0\uc774\ub77c\ub294 \uc810\uc5d0\uc11c\ub294 \ub9e4\uc6b0 \uc911\uc694\ud558\uc9c0\ub9cc \uadf8 \uc911\uc694\uc131\uc5d0 \ube44\ud574 \uc790\uae08\uc6b4\uc6a9 \uc218\uc775\ub960\uc774 \ub9e4\uc6b0 \ub0ae\uc558\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ud1f4\uc9c1\uc5f0\uae08 \uac00\uc785\uc790 \uc870\ucc28\ub3c4 \uc6b4\uc6a9\ud560 \uc0dd\uac01\uc744 \uc548\ud588\uc73c\uba70 \uadf8\ub300\ub85c \ubc29\uce58\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544\uc11c \uc815\ubd80\uc640 \uae08\uc735 \ub2f9\uad6d\uc774 \ub514\ud3f4\ud2b8\uc635\uc158(\uc0ac\uc804\uc9c0\uc815\uc6b4\uc6a9\uc81c\ub3c4)\uc744 \uc2dc\ud589\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub514\ud3f4\ud2b8\uc635\uc158\uc774 \uc2dc\ud589 \ub41c \ud6c4 \ud604\uc7ac\ub294 \ud1f4\uc9c1\uc5f0\uae08 \uc790\uae08 \uc6b4\uc6a9\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ud22c\uc790\uc5d0 \uc790\uc2e0 \uc5c6\ub2e4\uba74 \uc6d0\ub9ac\uae08\ubcf4\uc7a5 \uc0c1\ud488\uc744 \uc774\uc6a9\ud558\uc790.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488\uc5d0 \ub300\ud574\uc11c\ub294 \uc704\uc5d0\uc11c \uc815\uae30\uc608\uae08 \uc815\ub3c4\ub9cc \uc5b8\uae09\ud588\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc11c\ub294 \uc870\uae08 \uc790\uc138\ud788 \ub2e4\ub904\ubcfc\uae4c\ud569\ub2c8\ub2e4. \ub9cc\uc57d \ubcf8\uc778\uc774 \ud22c\uc790\uc5d0 \uad00\uc2ec\uc774 \uc5c6\uace0 \uc218\uc775\uc744 \ub0bc \uc790\uc2e0\uc774 \uc5c6\uace0 \uc6d0\uae08\ub9cc \ubcf4\uc7a5\ud558\uace0 \uc2f6\uc740 \ubd84\uc774\ub77c\uba74 \uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>\uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488\uc740 \uc740\ud589, \uc800\ucd95\uc740\ud589, \uc6b0\uccb4\uae08 \ub4f1\uc758 \uc815\uae30\uc608\uae08\uacfc \uc99d\uad8c\uc0ac \uc8fc\uac00\uc5f0\uacc4\ud30c\uc0dd\uacb0\ud569\uc0ac\ucc44(ELB), \ubcf4\ud5d8\uc0ac \uae08\ub9ac\uc5f0\ub3d9\ubcf4\ud5d8 \ubc0f \uc774\uc728\ubcf4\uc99d\ubcf4\ud5d8(GIC) \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\uc815\uae30 \uc608\uae08<\/span><\/strong><\/p>\n<p>\uc815\uae30 \uc608\uae08\uc740 \ub9cc\uae30 \uae30\uac04\uc744 \ucc44\uc6b0\uba74 \uc6d0\uae08\uacfc \uac00\uc785 \ub2f9\uc2dc \uae08\ub9ac\ub85c \uc774\uc790\ub97c \uc8fc\ub294 \ubc29\uc2dd\uc774\uba70 \uc2dc\uc911\uc740\ud589\uc758 \uc815\uae30 \uc608\uae08\uacfc \ub2e4\ub974\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9cc\uae30 \uae30\uac04\uc740 3\uac1c\uc6d4 ~ 5\ub144\uae4c\uc9c0 \ub9e4\uc6b0 \ub2e4\uc591\ud569\ub2c8\ub2e4.<\/p>\n<p><strong><span style=\"font-size: 14pt;\">ELB(\uc99d\uad8c\uc0ac \uc8fc\uac00\uc5f0\uacc4\ud30c\uc0dd\uacb0\ud569\uc0ac\ucc44)<\/span><\/strong><\/p>\n<p>ELB\ub294 \uc8fc\uac00\uc9c0\uc218\ub098 \uac1c\ubcc4 \uc8fc\uc2dd \ub4f1 \ud2b9\uc815 \uc9c0\uc218\ub098 \uc885\ubaa9\uc758 \uc8fc\uac00\uac00 \uc5f0\uacc4\ub418\uc5b4 \uc218\uc775\ub960\uc774 \uc815\ud574\uc9d1\ub2c8\ub2e4. \uc77c\uc815 \uae30\uac04\uc774 \uc9c0\ub09c \ud6c4 \uc9c0\uc218\uac00 \ud558\ub77d\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \ubbf8\ub9ac \uc57d\uc815\ub41c \uc774\uc790\ub97c \uc9c0\uae09\ud574\uc8fc\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc911\ub3c4\uc0c1\ud658\uc744 \uc694\uad6c\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc6d0\uae08\uc774 \uc190\uc2e4\ub098\uc9c0 \uc54a\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>GIC(\ubcf4\ud5d8\uc0ac, \uc774\uc728\ubcf4\uc99d\ubcf4\ud5d8)<\/strong><\/span><\/p>\n<p>\ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uc9c4\ud589\ud558\ub294 GIC\ub294 3\ub144\uc774\ub098 5\ub144 \ub4f1 \uc77c\uc815 \uae30\uac04 \uacc4\uc57d\uc73c\ub85c \uc815\ud574\uc9c4 \uc774\uc728\uc774 \ub418\ub3c4\ub85d \ud1f4\uc9c1\uc5f0\uae08\uc744 \uc6b4\uc6a9\ud558\uba70, \uacc4\uc57d \uae30\uac04\uc774 \ub9cc\uae30 \ub41c\ub2e4\uba74 \uc6d0\uae08\uacfc \uc774\uc790\ub97c \uc0c1\ud658\ud574\uc8fc\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \ub54c \uac00\uc7a5 \uc911\uc694\ud55c \uc810\uc740 \ub9cc\uae30 \uae30\uac04\uc744 \ucc44\uc6cc\uc57c \ud55c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uae08\ub9ac\uac00 \ub9ce\uc774 \uc624\ub974\uba74\uc11c \uc218\uc775\ub960\ub3c4 \ub298\uc5b4\ub098\uace0 \uc788\ub294 \ucd94\uc138\ub85c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubab0\ub824\uc788\ub294 \ud22c\uc790 \uc0c1\ud488\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub300\ubd80\ubd84 \uc0c1\ud488\uc740 \uc608\uae08\uc790\ubcf4\ud638\ub300\uc0c1\uc758 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ub2e8, \uc704\uc5d0 \uc124\uba85\ud55c ELB\uc758 \uacbd\uc6b0\ub294 \uc608\uae08\uc790\ubcf4\ud638\ub300\uc0c1\uc774 \uc544\ub2cc \uc810\uc744 \uc720\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc218\uc775\uc744 \ub0bc \uc218 \uc788\ub2e4\uba74 \uc2e4\uc801\ubc30\ub2f9 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud574\ubcf4\uc790.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uae30\ubcf8\uc801\uc73c\ub85c \uae08\uc735 \uc0c1\ud488\uc5d0\uc11c \uc774\ubbf8 \uc218\uc775\uc744 \ub0b4\uace0 \uc788\uc73c\uba74\uc11c \ud22c\uc790\uc5d0\uc11c \uc218\uc775\uc744 \ub0b4\ub294 \ud22c\uc790\uc790\ub77c\uba74 \uc2e4\uc801\ubc30\ub2f9 \uc0c1\ud488\uc744 \uc774\uc6a9\ud558\uc5ec \ud22c\uc790\ud574\ubcf4\uc2dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc801\ubc30\ub2f9 \uc0c1\ud488\uc740 \uc77c\ubc18 \ud380\ub4dc\uc640 \uad6d\ub0b4 ETF, \uad6d\ub0b4 \uc0c1\uc7a5 \ud574\uc678ETF, \ub9ac\uce20(RIETs)\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\ud380\ub4dc<\/strong><\/span><\/p>\n<p>\ud380\ub4dc\ub294 \uc740\ud589\uc774\ub098 \uc99d\uad8c\uc0ac \ub4f1 \ud22c\uc790\uc804\ubb38\uae30\uad00\uc774 \uc77c\ubc18\uc778\ub4e4\ub85c\ubd80\ud130 \ub3c8\uc744 \ubaa8\uc544 \ud22c\uc790\ub97c \uc9c4\ud589\ud558\uace0 \uc5ec\uae30\uc11c \uc62c\ub9b0 \uc218\uc775\uc744 \ub2e4\uc2dc \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub098\ub204\uc5b4\uc8fc\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\uc774 \uc544\uc2e4\ud14c\ub2c8 \ub354 \uc774\uc0c1\uc758 \uc124\uba85\uc740 \ud558\uc9c0 \uc54a\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\uad6d\ub0b4 ETF<\/strong><\/span><\/p>\n<p>\uad6d\ub0b4 ETF\ub294 \ubcf8 \ube14\ub85c\uadf8\uc5d0 \ud574\ub2f9 \ub0b4\uc6a9\uc744 \uc790\uc138\ud788 \ub2e4\ub8ec \ud3ec\uc2a4\ud305\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8\ubb38 \ucd5c\uc0c1\ub2e8\uc73c\ub85c \uc774\ub3d9\ud574\uc11c \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678ETF<\/strong><\/span><\/p>\n<p>\uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678ETF \ub610\ud55c \ubcf8\ubb38 \ucd5c\uc0c1\ub2e8\uc73c\ub85c \uc774\ub3d9 \ud6c4 \ubcf8 \ube14\ub85c\uadf8 \ud3ec\uc2a4\ud305\uc744 \ucc38\uace0\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\ub9ac\uce20(REITs)<\/strong><\/span><\/p>\n<p>\ub9ac\uce20\ub294 \ud22c\uc790\uc790\ub4e4\ub85c\ubd80\ud130 \uc790\uae08\uc744 \ubaa8\uc544 \ubd80\ub3d9\uc0b0\uc774\ub098 \ubd80\ub3d9\uc0b0 \uad00\ub828 \uc0b0\uc5c5\uc5d0 \ud22c\uc790\ud558\uc5ec \uc218\uc775 \ubc1c\uc0dd \uc2dc \uc218\uc775\uae08\uc744 \ubd84\ubc30\ud558\ub294 \ud380\ub4dc\uc758 \uc77c\uc885\uc774\uba70 \ubd80\ub3d9\uc0b0 \ud22c\uc790\ub97c \uc804\ubb38\uc73c\ub85c \ud558\ub294 \ubba4\ucd94\uc5bc \ud380\ub4dc\uc785\ub2c8\ub2e4. \ubcf4\ud1b5 \ubc30\ub2f9\uae08\uc740 \ub098\uc058\uc9c0 \uc54a\uc740 \ud3b8\uc5d0 \uc18d\ud558\uc9c0\ub9cc \uac1c\uc778\uc801\uc73c\ub85c\ub294 \uc704\ud5d8\ud55c \uc0c1\ud488\uc774\ub77c\uace0 \uc0dd\uac01\ud574\uc11c \uc800\ub294 \ud22c\uc790\ud558\uace0 \uc788\uc9c0 \uc54a\uc740 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc801\ubc30\ub2f9 \uc0c1\ud488\uc740 \uc218\uc775\uc744 \ub0b4\uae30\ub9cc \ud55c\ub2e4\uba74 \uc6d0\ub9ac\ubcf4\uc7a5\uae08 \uc0c1\ud488\ubcf4\ub2e4\ub294 \uc218\uc775\uc774 \uc88b\uc73c\uba70 \uc778\ub371\uc2a4\ud380\ub4dc \ub4f1\uc758 ETF\ub294 \ube44\uad50\uc801 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc9c0\ub9cc \uc218\uc775\uc744 \ub0b4\uc9c0 \ubabb\ud55c\ub2e4\uba74 \uc6d0\uae08 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\uac8c \ub429\ub2c8\ub2e4. \uc6d0\uae08 \uc190\uc2e4\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc744 \uaf2d \uc720\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ub9e4\uc6b0 \uacf5\uaca9\uc801\uc778 \ud22c\uc790\uc790\ub97c \uc704\ud55c TDF(\uc740\ud1f4\uc2dc\uae30\uac00 \ub9ce\uc774 \ub0a8\uc740\uc0ac\ub78c\ub9cc)<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>TDF\uc5d0 \uad00\ud574\uc11c\ub294 \uc704\uc5d0\uc11c \uc7a0\uae50 \uc5b8\uae09\ud588\uc2b5\ub2c8\ub2e4. TDF\ub294 Target Date Fund\uc774\uba70 \ud22c\uc790\uc790\uc758 \uc740\ud1f4 \uc2dc\uc810\uc744 \uacc4\uc0b0\ud574\uc11c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc870\uc815\ud558\ub294 \ud380\ub4dc\uc785\ub2c8\ub2e4. \uc740\ud1f4 \uc2dc\uae30\uac00 \uc801\uac8c \ub0a8\uc744 \uc218\ub85d \uc548\uc804 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \ub192\uc5ec\uac00\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc6a9\uc5b4 \uc790\uccb4\ub294 \ub9e4\uc6b0 \uc548\uc815\uc801 \ud22c\uc790\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uc9c0\ub9cc \uc740\ud1f4\uc2dc\uae30\uac00 \ube44\uad50\uc801 \ub9ce\uc774 \ub0a8\uc740 \uc80a\uc740 \uce35\uc740 \uc704\ud5d8 \uc790\uc0b0\uc5d0 \ub192\uc740 \ube44\uc911\uc744 \uac00\uc838\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud1f4\uc9c1\uc5f0\uae08\uc740 \uc704\ud5d8 \uc790\uc0b0\uc5d0 \ud22c\uc790 \ud55c\ub3c4\uac00 70%\ub85c \uc815\ud574\uc838 \uc788\uc2b5\ub2c8\ub2e4. \ub098\uba38\uc9c0 30%\ub294 \uc6d0\ub9ac\uae08\ubcf4\uc7a5 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\uac8c \ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc80a\uc740 \uce35\uc774 TDF\ub97c \uc774\uc6a9\ud558\uac8c \ub41c\ub2e4\uba74 \ud574\ub2f9 TDF \uc0c1\ud488\uc774 \uc704\ud5d8 \uc790\uc0b0\uc5d0 \ud3ec\ud568\ub418\uc5b4\ub3c4 \ud22c\uc790 \ud55c\ub3c4 70%\uc640 \uad00\uacc4\uc5c6\uc774 \ub2e8\uc77c \uc0c1\ud488\uc73c\ub85c 100% \uc6b4\uc601\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>100% \uc790\uc0b0\uc744 \uc6b4\uc601\ud560 \uc218 \uc788\ub294 \uc810\uc774 \uba54\ub9ac\ud2b8\uc774\uc9c0\ub9cc \uae30\ubcf8\uc801\uc73c\ub85c IRP\ub294 \ub178\ud6c4\ub300\ube44\uc790\uae08 \ud615\uc131\uc744 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \ud0c4\uc0dd\ud55c \uac83\uc744 \uc0dd\uac01\ud574\ubcf4\uc558\uc744 \ub54c \ucd94\ucc9c\ud558\uace0 \uc2f6\uc740 \ubc29\ubc95\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud22c\uc790\ub294 \ubcf8\uc778\uc758 \uc131\ud5a5\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uc774\ub7f0 \ubc29\ubc95\ub3c4 \uc788\ub2e4\ub294 \uac83\uc744 \uc18c\uac1c\ud574\ub4dc\ub9b0 \uac83\uc774\uba70 \uac15\uc694\uc758 \ubaa9\uc801\uc740 \uc5c6\uc74c\uc744 \ubc1d\ud799\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc544\ub798\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95\uacfc \uad00\ub828\ud55c \ud55c\uad6d\uacbd\uc81c\uc758 \uae30\uc0ac\uc785\ub2c8\ub2e4. \uc5b4\ub5a4 \ud22c\uc790 \ubc29\uc2dd\uc774 \uc788\ub294\uc9c0 \ud55c\ubc88 \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<div><center><br \/>\n<a class=\"myButton\" href=\"https:\/\/www.hankyung.com\/thepen\/moneyist\/article\/202304280358Q\" rel=\"noopener\">\uad00\ub828\uae30\uc0ac \ubcf4\ub7ec\uac00\uae30<\/a><\/center><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EB%A7%88%EC%B9%98%EB%A9%B0\"><\/span><strong>\ub9c8\uce58\uba70<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>IRP\ub294 \ud1f4\uc9c1\uc5f0\uae08\uacc4\uc88c\ub97c \ub73b\ud558\uba70 \uae30\uc5c5\ud615 IRP, \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\ub85c \ub098\ub204\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 RIP\ub294 \uc808\uc138 \ud6a8\uacfc\ub97c \ub204\ub9ac\uba74\uc11c \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ud615\uc131\ud558\ub294 \uac83\uc774 \uc8fc\ub41c \ubaa9\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc640 \ud569\uc0b0\ud558\uc5ec \uc5f0 \ucd5c\ub300 18,00\ub9cc\uc6d0\uae4c\uc9c0 \ub0a9\uc785 \uac00\ub2a5\ud558\uace0 900\ub9cc\uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\uba70 900\ub9cc\uc6d0\uc740 \ucd1d\uc18c\ub4dd 5,500\ub9cc\uc6d0\uc744 \uae30\uc900\uc73c\ub85c \ucd08\uacfc\uc2dc 13.2%\uc758 118.8\ub9cc\uc6d0\uc744 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \ud658\uae09 \/ \uc774\ud558\uc77c \uacbd\uc6b0 16.5%\uc758 148.5\ub9cc\uc6d0 \uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \ud658\uae09 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\ub294 \uacfc\uc138\uc774\uc5f0\ud6a8\uacfc\ub85c \uc778\ud574 \uc778\ucd9c \uc804 \uae4c\uc9c0\ub294 \uc138\uae08\uc774 \ubc1c\uc0dd\ub418\uc9c0 \uc54a\uc544 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc740 \uc138\uae08\uc73c\ub85c \ud22c\uc790\ud558\uc5ec \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e8\uc810\uc73c\ub85c\ub294 \ube44\uad50\uc801 \uc7a5\uae30\uac04 \uc6b4\uc6a9\uc774 \ud544\uc694\ud558\ub2e4\ub294 \uc810\uc774 \uc788\uc9c0\ub9cc \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc8fc\ub41c \ubaa9\uc801\uc774\uae30 \ub54c\ubb38\uc5d0 \uc774 \uc810\uc744 \uc720\uc758\ud558\uace0 \uc808\uc138 \ud6a8\uacfc\uc640 \ud22c\uc790\ub97c \uc9c4\ud589\ud55c\ub2e4\uba74 \ud604\uba85\ud55c \ud22c\uc790\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubaa8\ub4e0 \ud22c\uc790\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc6d0\uae08\uc744 \uc190\uc2e4\ud560 \uc218 \uc788\ub294 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ud22c\uc790\uc758 \ud2b9\uc9d5 \ub54c\ubb38\uc5d0 \ud1f4\uc9c1\uc5f0\uae08\uc740 \uc704\ud5d8 \uc790\uc0b0\uc5d0\ub294 70%\ub9cc\uc744 \ud22c\uc790\ud560 \uc218 \uc788\ub3c4\ub85d \uc124\uc815\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\ub97c \uac15\uc694\ud558\ub294 \ubaa9\uc801\uc740 \uc5c6\uc73c\uba70 \ubaa8\ub4e0 \ud22c\uc790\ub294 \ubcf8\uc778\uc5d0\uac8c 100% \ucc45\uc784\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \ud3ec\uc2a4\ud305\uc744 \ud1b5\ud574\uc11c IRP \uacc4\uc88c\ub97c \uc6b4\uc6a9\ud574\ubcf4\uc2dc\ub294 \uac83\ub3c4 \uc88b\uc9c0\ub9cc \ubcf8\uc778\uc758 \uc9c0\ucd9c \uc0c1\ud669, \uacbd\uc81c \uc0c1\ud669 \ub4f1\uc744 \uace0\ub824\ud558\uc5ec \uc6b4\uc6a9\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ub610\ud55c \uc774\ubbf8 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc9c0\ub9cc \uc2e0\uacbd\uc744 \uc4f0\uace0 \uc788\uc9c0 \uc54a\uc558\ub2e4\uba74 \ud574\ub2f9 \uacc4\uc88c\uc758 \ub514\ud3f4\ud2b8\uc635\uc158\uc744 \ud655\uc778\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ud3ec\uc2a4\ud305\uc774 \ub3c4\uc6c0\uc774 \ub418\uc168\ub2e4\uba74 \ube14\ub85c\uadf8 \ub0b4 \ub2e4\ub978 \ud3ec\uc2a4\ud305\ub3c4 \ucc38\uace0\ud574\ubcf4\uc138\uc694.<\/p>\n<p>\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":"<p>\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc6b4\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \ud3ec\uc2a4\ud305\uc5d0\uc11c\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP\uc758 \uac1c\ub150\uacfc \uc7a5\ub2e8\uc810, \ud574\uc9c0 \uc2dc \uc54c\uc544\ub46c\uc57c \ud560 \uc810, \uac1c\uc124 \uc2dc \uc720\uc758\ud560 \uc810, \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ucd5c\ub300\ud55c \ub9ce\uc740 \uc815\ubcf4\ub97c \ub2e4\ub8e8\uae30 \uc704\ud574 \ub178\ub825\ud588\uc73c\ub2c8 \ud544\uc694\ud55c \ubd80\ubd84\uc744 \ubaa9\ucc28\ub97c \uc774\uc6a9\ud574 \ube60\ub974\uac8c \uc54c\uc544\ubcf4\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. ETF \uad00\ub828 \ud3ec\uc2a4\ud305\uc5d0\uc11c \uc911\uac1c\ud615 ISA\uc640 &#8230; <a title=\"\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc7a5\ub2e8\uc810\uacfc \ud574\uc9c0 \ubc0f \uac1c\uc124, \ud22c\uc790 \ud65c\uc6a9\ubc29\ubc95,(2023\ub144\uae30\uc900)\" class=\"read-more\" href=\"https:\/\/finance-bepang.com\/economy\/%ea%b0%9c%ec%9d%b8%ed%98%95-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-irp\/\" aria-label=\"More on \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08 IRP \uc7a5\ub2e8\uc810\uacfc \ud574\uc9c0 \ubc0f \uac1c\uc124, \ud22c\uc790 \ud65c\uc6a9\ubc29\ubc95,(2023\ub144\uae30\uc900)\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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\/%EA%B0%9C%EC%9D%B8%ED%98%95-IRP-%EC%8D%B8%EB%84%A4%EC%9D%BC-e1693231370518.jpg?fit=600%2C246&ssl=1","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/548"}],"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=548"}],"version-history":[{"count":8,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/548\/revisions"}],"predecessor-version":[{"id":597,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/548\/revisions\/597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/media\/551"}],"wp:attachment":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/media?parent=548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/categories?post=548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/tags?post=548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}