{"id":613,"date":"2023-09-01T23:15:39","date_gmt":"2023-09-01T14:15:39","guid":{"rendered":"https:\/\/finance-bepang.com\/?p=613"},"modified":"2023-09-01T23:15:39","modified_gmt":"2023-09-01T14:15:39","slug":"%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80","status":"publish","type":"post","link":"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/","title":{"rendered":"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c) \uc7a5\ub2e8\uc810, \ud22c\uc790 \uc774\uc720 2\uac00\uc9c0, \ud65c\uc6a9 \ubc29\ubc95"},"content":{"rendered":"<p>\uc774\ubc88 \ud3ec\uc2a4\ud305\uc758 \uc8fc\uc81c\uc778 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ud615\uc131\ud558\ub294 \uac83\uc774 \uc8fc\ubaa9\uc801\uc774\uba74\uc11c \uc138\uc81c\ud61c\ud0dd \ud6a8\uacfc\ub3c4 \ub204\ub9b4 \uc218 \uc788\ub294 \ud22c\uc790 \uc0c1\ud488\uc785\ub2c8\ub2e4.\u00a0 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \ud22c\uc790 \uc885\ub958\uc778 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \uc7a5\uc810\uacfc \ub2e8\uc810, \ud22c\uc790\ud558\ub294 \uc774\uc720, \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub97c \uc774\uc6a9\ud558\uc5ec \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub178\ud6c4\ub300\ube44\uc790\uae08\ub9cc \ud615\uc131\ud574\uc11c \uc138\uc561\uacf5\uc81c \ubc1b\uc73c\uba74\uc11c \uc5f0\ub9d0\uc815\uc0b0\uc5d0 \ud658\uae09 \ubc1b\uace0 \uc740\ud1f4 \ud6c4\uc5d0 \uc5f0\uae08\ub9cc \ubc1b\uc73c\uba74 \ub418\ub294 \uac70 \uc544\ub2cc\uac00?\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\uc774 \uacc4\uc2e4\uac81\ub2c8\ub2e4. \uadf8 \uc815\ub3c4\ub9cc \ud558\uace0 \uacc4\uc154\ub3c4 \ucda9\ubd84\ud788 \ub178\ud6c4\ub300\ube44\ub97c \uc798\ud558\uace0 \uc788\ub294 \uac83\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\ub97c \ud558\ub294 \uc774\uc720\uc5d0 \ub300\ud574\uc11c\ub294 \uc544\ub798\uc5d0\uc11c \ub2e4\ub904\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uacc4\uc88c(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c, \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08 IRP)\uc640 \uad00\ub828\ud558\uc5ec \uae30\ubcf8\uc801\uc778 \uc815\ubcf4, \uc138\uae08, \uc911\ub3c4 \uc778\ucd9c \ubc0f \ud574\uc9c0 \uc2dc \uc720\uc758 \uc0ac\ud56d\uc740 <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%eb%b0%8f-%ec%84%b8%ea%b8%88\/\"><strong>\uc774 \uae00<\/strong><\/a><\/span>\uc744 \ud1b5\ud574 \uba3c\uc800 \uc77d\uace0 \uc624\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \ubcf8\ubb38\uc5d0\uc11c\ub294 \ud574\ub2f9 \ub0b4\uc6a9\uc744 \uc790\uc138\ud788 \ub2e4\ub8e8\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc9c0\uae08\ubd80\ud130 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \uc7a5\uc810\uc744 \ud55c \ubc88 \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\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\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/#%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C_%EC%9E%A5%EC%A0%90\" title=\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc7a5\uc810\">\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc7a5\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/#%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C%EC%9D%98_%EB%8B%A8%EC%A0%90\" title=\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \ub2e8\uc810\">\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \ub2e8\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/#%EA%B5%B3%EC%9D%B4_%ED%88%AC%EC%9E%90%ED%95%98%EB%8A%94_%EC%9D%B4%EC%9C%A0%EB%8A%94_%EB%AC%B4%EC%97%87%EC%9D%BC%EA%B9%8C\" title=\"\uad73\uc774 \ud22c\uc790\ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc77c\uae4c?\">\uad73\uc774 \ud22c\uc790\ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc77c\uae4c?<\/a><\/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\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/#%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%ED%99%9C%EC%9A%A9_%EB%B0%A9%EB%B2%95\" title=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c \ud65c\uc6a9 \ubc29\ubc95\">\uc5f0\uae08\uc800\ucd95\uacc4\uc88c \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-5\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/#%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=\"%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C_%EC%9E%A5%EC%A0%90\"><\/span><strong>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc7a5\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uc9c0\ub09c \ud3ec\uc2a4\ud305\uc744 \ud1b5\ud574 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub97c \uc740\ud589, \uc99d\uad8c\uc0ac, \uc790\uc0b0\uc6b4\uc6a9\uc0ac \ub4f1\uc5d0\uc11c \uac1c\uc124\ud558\uc5ec \ud380\ub4dc, \ub9ac\uce20, ETF \ub4f1\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc774\ub77c\uace0 \uc54c\ub824\ub4dc\ub838\uc2b5\ub2c8\ub2e4. \uadf8\ub807\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \uc7a5\uc810\uc740 \ubb34\uc5c7\uc77c\uae4c\uc694? \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8, \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08(IRP)\uc640 \ube44\uad50\ud558\uc5ec \uc7a5\uc810\uc744 \uc124\uba85\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc138\uc561 \uacf5\uc81c\uae08 \ud658\uae09(\uc218\uc775\ub960\ub85c \uc0dd\uac01)<\/span><\/strong><\/p>\n<p>\uc544\ubb34\ub798\ub3c4 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc774\uc9c0 \uc54a\uc744\uae4c \ud569\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \ud22c\uc790 \ubc29\uc2dd\uc778 \ub9cc\ud07c \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \uadf8\ub300\ub85c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uacfc \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08(IRP)\ub3c4 \uac19\uc740 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong><span style=\"font-size: 14pt;\">\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub9cc \uc774\uc6a9 \uc2dc<\/span><\/strong><\/li>\n<\/ul>\n<p>\uc5f0 \ucd5c\ub300 600\ub9cc\uc6d0\uae4c\uc9c0 \uadfc\ub85c \uc18c\ub4dd 5,500\ub9cc\uc6d0 \uc885\ud569\uc18c\ub4dd\uae30\uc900 4,500\ub9cc\uc6d0\uc744 \uae30\uc900\uc73c\ub85c \ucd08\uacfc\uc2dc 13.2%\uc758 \uc138\uc561\uacf5\uc81c\uc728\ub85c \ucd5c\ub300 79\ub9cc 2\ucc9c\uc6d0\uc744 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \uc5f0\ub9d0 \uc815\uc0b0 \uc2dc \ud658\uae09\ubc1b\uc744 \uc218 \uc788\uace0 \uae30\uc900 \uc774\ud558\uc77c \uacbd\uc6b0 16.5%\uc758 \uc138\uc561\uacf5\uc81c\uc728\ub85c \ucd5c\ub300 99\ub9cc\uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \uc5f0\ub9d0 \uc815\uc0b0\uc2dc \ud658\uae09 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 965px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" style=\"font-size: inherit;\" src=\"https:\/\/i0.wp.com\/blog.kakaocdn.net\/dn\/cKbLAO\/btssVGS0z1x\/t2Pr7TUuQ903gXdsigL0vK\/img.jpg?resize=975%2C316&#038;ssl=1\" alt=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc138\uc561\uacf5\uc81c \uc801\uc6a9\ub960 \ubc0f \ud658\uae09\uc561\" width=\"975\" height=\"316\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong><span style=\"font-size: 14pt;\">\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc640 \ud1f4\uc9c1\uc5f0\uae08(IRP)\uacfc \ud568\uaed8 \uc6b4\uc6a9\uc2dc<\/span><\/strong><\/li>\n<\/ul>\n<p>\uc5f0 \ucd5c\ub300 900\ub9cc\uc6d0\uae4c\uc9c0 \uadfc\ub85c \uc18c\ub4dd 5,500\ub9cc\uc6d0 \uc885\ud569\uc18c\ub4dd\uae30\uc900 4,500\ub9cc\uc6d0\uc744 \uae30\uc900\uc73c\ub85c \ucd08\uacfc\uc2dc 13.2%\uc758 \uc138\uc561\uacf5\uc81c\uc728\ub85c \ucd5c\ub300 118\ub9cc 8\ucc9c\uc6d0\uc744 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \uc5f0\ub9d0 \uc815\uc0b0 \uc2dc \ud658\uae09 \ubc1b\uc744 \uc218 \uc788\uace0 \uae30\uc900 \uc774\ud558\uc77c \uacbd\uc6b0 16.5%\uc758 \uc138\uc561\uacf5\uc81c\uc728\ub85c \ucd5c\ub300 148\ub9cc 5\ucc9c\uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\uae08\uc73c\ub85c \uc5f0\ub9d0 \uc815\uc0b0 \uc2dc \ud658\uae09 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ub798\uc758 \uc790\ub8cc\ub294 \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc5d0\uc11c \uac00\uc838\uc628 \uc790\ub8cc\ub85c 2023\ub144 \uc138\ubc95 \uac1c\uc815 \uc804\uacfc \ud6c4\uc758 IRP\uc640 \ud568\uaed8 \uc6b4\uc6a9\uc2dc \uc138\uc561\uacf5\uc81c\uc728\uacfc \uc138\uc561\uacf5\uc81c\uc561(\ud658\uae09\uc561) \uc790\ub8cc\uc785\ub2c8\ub2e4. \uc138\ubc95\uac1c\uc815\uc73c\ub85c \uc778\ud574 \uc18c\ub4dd\uae30\uc900\uc774 \uc885\ud569\uc18c\ub4dd\uae30\uc900 4,000\ub9cc\uc6d0\uc5d0\uc11c 4,500\ub9cc\uc6d0\uc73c\ub85c \uc644\ud654\ub418\uc5c8\uc73c\uba70 \ud569\uc0b0 \uc138\uc561\uacf5\uc81c\ud55c\ub3c4 \ub610\ud55c \uc5f0 \ucd5c\ub300 700\ub9cc\uc6d0\uc5d0\uc11c \uc5f0 \ucd5c\ub300 900\ub9cc\uc6d0\uae4c\uc9c0 \ud655\ub300\ub41c \uac83\uc744 \uc138\uc561\uacf5\uc81c\uc561(\ud658\uae09\uc561)\uc744 \ud1b5\ud574\uc11c \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<figure style=\"width: 949px\" 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\/dp5jUQ\/btssT38Ziib\/3IAMXlgwifODbyvkNG1KXK\/img.jpg?resize=959%2C336&#038;ssl=1\" alt=\"IRP\uc640 \ud568\uaed8 \uc6b4\uc6a9\ud560 \uacbd\uc6b0 \uc138\ubc95 \uac1c\uc815 \uc804\ud6c4\" width=\"959\" height=\"336\" \/><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>\uc870\uae08\ub9cc \ubc14\uafb8\uc5b4\uc11c \uc0dd\uac01\ud574\ubcf4\uba74 \ud22c\uc790\uae08\uc744 \ub0a9\uc785\ud574\uc11c \uc5f0 13.2% \ud639\uc740 16.5%\uc758 \uc218\uc775\ub960\uc744 \uc5bb\ub294 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \ub2e8\uc77c \uc774\uc6a9 \uc2dc \uc5f0 \ucd5c\ub300 600\ub9cc\uc6d0, \ud568\uaed8 \uc774\uc6a9 \uc2dc \uc5f0 \ucd5c\ub300 900\ub9cc\uc6d0\uc774\ub77c\ub294 \uc81c\ud55c\uc774 \uc788\uc9c0\ub9cc \uae08\uc735 \uc0c1\ud488 \uc911 \uc774 \uc815\ub3c4\uc758 \uc218\uc775\ub960\uc744 \uac00\uc9c4 \uc0c1\ud488\uc740 \ub9ce\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc5f0\uae08 \uc218\ub839 \uc2dc \uc808\uc138 \ud61c\ud0dd<\/span><\/strong><\/p>\n<p>\uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud560 \uc2dc \uc5f0\uae08\uc18c\ub4dd\uc138\ub97c \ub098\uc774\uc5d0 \ub530\ub77c \ucc28\ub4f1 \ubd80\uacfc\ud558\uba70 \uc77c\ubc18\uc801\uc778 \uc138\uae08\ubcf4\ub2e4 \ub0ae\uc740 \uc138\uc728\ub85c \uc808\uc138 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ed\uc2dc \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uacfc \ud1f4\uc9c1\uc5f0\uae08(IRP)\ub3c4 \ub3d9\uc77c\ud55c \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ub9cc 55\uc138 \uc774\uc0c1 ~ \ub9cc 70\uc138 \ubbf8\ub9cc : 5.5%<\/li>\n<li>\ub9cc 70\uc138 \uc774\uc0c1 ~ \ub9cc 80\uc138 \ubbf8\ub9cc : 4.4%<\/li>\n<li>\ub9cc 80\uc138 \uc774\uc0c1 : 3.3%<\/li>\n<\/ul>\n<p>\uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud560 \uacbd\uc6b0\uc5d0\ub9cc \ud574\ub2f9 \ub418\uc9c0\ub9cc, \uc740\ud1f4 \ud6c4 \ub178\ud6c4\ub300\ube44\uc790\uae08 \ud615\uc131\uc774 \uac00\uc7a5 \ud070 \ubaa9\uc801\uc774\ub780 \uac83\uc744 \uc0dd\uac01\ud574\ubcf4\uba74 \uc7a5\uc810\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 947px\" 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\/mdVFl\/btssOrDjL0n\/NwPVxeuC4MDw5aU5G3KWk0\/img.jpg?resize=957%2C382&#038;ssl=1\" alt=\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc7a5\uc810\" width=\"957\" height=\"382\" \/><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;\">\uc790\uc720 \ub0a9\uc785 \uac00\ub2a5<\/span><\/strong><\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc5d0 \ube44\uad50\ud55c \uc7a5\uc810\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc758 \uacbd\uc6b0\ub294 \uc77c\uc815\ud55c \ub0a0\uc9dc\uc5d0 \uc77c\uc815\ud55c \uae08\uc561\uc744 \ub0a9\uc785\ud574\uc57c \ud558\uc9c0\ub9cc \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uc6d0\ud558\ub294 \uc2dc\uae30\uc5d0 \uc6d0\ud558\ub294 \uae08\uc561\uc744 \ub0a9\uc785 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <span style=\"font-size: inherit;\">\ub2e8, \uc5f0 \ucd5c\ub300 \ub0a9\uc785\uae08\uc740 1,800\ub9cc\uc6d0\uc774\ub77c\ub294 \uc81c\ud55c\uc774 \uc788\uc9c0\ub9cc \ud574\ub2f9 \uc81c\ud55c\uc120\uc744 \ub118\uac8c \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc5d0 \ub0a9\uc785 \ud560 \uc218 \uc788\ub294 \ubd84\uc740 \ub9ce\uc9c0 \uc54a\uc744 \uac83 \uac19\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>\ub610\ud55c \uc790\uc720 \ub0a9\uc785\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uac83\uc740 \uc6d4 \uace0\uc815 \uc9c0\ucd9c\uc5d0 \ud574\ub2f9\ud558\uc9c0 \uc54a\uc73c\ubbc0\ub85c \ubcf8\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc758 \ub530\ub77c \uc790\uc720\ub86d\uac8c \ub0a9\uc785\uc774 \uac00\ub2a5\ud55c \uc810\ub3c4 \uc7a5\uc810\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uacfc\uc138 \uc774\uc5f0(\ubcf5\ub9ac \ud6a8\uacfc)<\/span><\/strong><\/p>\n<p>\ud574\ub2f9 \ub0b4\uc6a9\uc740 \uc911\uac1c\ud615 ISA, \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08(IRP)\ub97c \ud3ec\uc2a4\ud305 \ud560 \ub54c\ub3c4 \ub2e4\ub918\ub358 \ub0b4\uc6a9\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8 \ub610\ud55c \ub3d9\uc77c\ud55c \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uacfc\uc138 \uc774\uc5f0\uc740 \uc18c\ub4dd\uc774 \ubc1c\uc0dd \ud588\uc744 \ub54c \uc138\uae08\uc744 \ubd80\uacfc\ud558\ub294 \uac83\uc774 \uc544\ub2cc \ubc1c\uc0dd\ud55c \uc18c\ub4dd\uc744 \uc778\ucd9c(\ub9cc\uae30 \ud574\uc9c0, \uc911\ub3c4 \uc778\ucd9c)\uc2dc\uc5d0 \uc138\uae08\uc744 \ubd80\uacfc\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub0e5 \uc138\uae08\uc744 \ub098\uc911\uc5d0 \uac77\ub294 \uc870\uc0bc\ubaa8\uc0ac\uc2dd \uc544\ub2c8\uc57c?\ub77c\uace0 \uc0dd\uac01\ud558\uc2e4 \uc218 \uc788\uc9c0\ub9cc \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc138\uae08\uc744 \ub0b4\uc9c0 \uc54a\uace0 \ud22c\uc790\uae08\uc73c\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ube44\uc6a9 \uce21\uba74\uc5d0\uc11c \uc0dd\uac01\ud588\uc744 \ub54c\ub3c4 \uc7a5\uc810\uc774\uba70 \uc218\uc775\uae08\uc73c\ub85c \ubc1c\uc0dd\ud55c \uc138\uae08\uc744 \ubc14\ub85c \ub0b4\uc9c0 \uc54a\uace0 \ud22c\uc790\ub97c \ud560 \uc218 \uc788\ub2e4\ub294 \ubcf5\ub9ac \ud6a8\uacfc \uce21\uba74\uc5d0\uc11c\ub3c4 \uc7a5\uc810\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc0ac\uc5c5\ube44\uc640 \uac19\uc740 \uc6b4\uc6a9\uc218\uc218\ub8cc\uac00 \uc5c6\uc74c<\/span><\/strong><\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uacfc \ube44\uad50\ud55c \uc7a5\uc810\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc758 \uacbd\uc6b0 \ubcf4\ud5d8\uc0ac\uc5d0 \uc0ac\uc5c5\ube44\ub97c \uc6b4\uc6a9\uc218\uc218\ub8cc\ub85c \ubd80\uacfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \ub54c \uc0dd\uac01\ubcf4\ub2e4 \uc6b4\uc6a9\uc218\uc218\ub8cc\uac00 \ube44\uc309\ub2c8\ub2e4. IRP\uc758 \uacbd\uc6b0\uc5d0\ub3c4 \uacc4\uc88c \uad00\ub9ac \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \uacbd\uc6b0\ub294 \ub9ac\uce20, ETF, \ud380\ub4dc \ub4f1\uc758 \ub9e4\ub9e4\uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud558\uae34 \ud558\uc9c0\ub9cc \uc6b4\uc6a9\uc218\uc218\ub8cc\ub294 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9e4\ub9e4\uc218\uc218\ub8cc\uc758 \uacbd\uc6b0\ub294 \ub300\ubd80\ubd84 \ubaa8\ub4e0 \uae08\uc735 \uc0c1\ud488\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9\uc774\ub2c8 \ub2e8\uc810\uc774\ub77c\uace0\ub294 \uc0dd\uac01\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ubcf8\uc778\uc758 \uc131\ud5a5\uc5d0 \ub9de\uac8c \ud22c\uc790 \uac00\ub2a5<\/span><\/strong><\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ud22c\uc790 \ud560 \uc218 \uc788\ub294 \uc0c1\ud488\uc758 \uc885\ub958\uac00 \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08 IRP\ubcf4\ub2e4\ub294 \uc801\uc2b5\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc740 \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ubcf4\ud5d8 \uc0c1\ud488\uc5d0\ub9cc \ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub9ac\uce20, \ud380\ub4dc, ETF\ub9cc \ud22c\uc790 \uac00\ub2a5\ud558\uba70 ETF\ub3c4 \uc704\ud5d8\ub3c4\uac00 \ub192\uc740 \ud30c\uc0dd \uc0c1\ud488\uc774\ub098 \ub808\ubc84\ub9ac\uc9c0 ETF, \uc778\ubc84\uc2a4 ETF \ub4f1\uc740 \ud22c\uc790\uac00 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \uc8fc\ub41c \ubaa9\uc801\uc774 \ub178\ud6c4\ub300\ube44\uc790\uae08 \ud615\uc131\uc774\uae30 \ub54c\ubb38\uc5d0 \uc704\ud5d8\ub3c4\uac00 \ub192\uc740 \uc0c1\ud488\uc740 \ud22c\uc790\uac00 \ubd88\uac00\ub2a5\ud55c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ubcf8\uc778\uc758 \uc131\ud5a5\uc5d0 \ub9de\uac8c \uc704\ud5d8\ub3c4\ub97c \ub9de\ucdb0\uc11c \uc548\uc815\uc131\uc774 \ub192\uc740 \uc0c1\ud488\uacfc \uace0\uc218\uc775 \uc0c1\ud488\uc744 \uc6d0\ud558\ub294 \ub300\ub85c \ud22c\uc790\ud558\uc5ec \ubcf8\uc778\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ub9de\ucdb0\uc11c \ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ub0a9\uc785\uae08 100%\ub97c \ud22c\uc790 \uac00\ub2a5<\/span><\/strong><\/p>\n<p>\uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08 IRP\uc640 \ube44\uad50\ud55c \uc7a5\uc810\uc785\ub2c8\ub2e4. \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08\uc758 \uacbd\uc6b0\ub294 \uc77c\ubc18\uc801\uc73c\ub85c 70%\ub9cc \uc2e4\uc801\ubc30\ub2f9\uc0c1\ud488\uc5d0 \ud22c\uc790\uac00 \uac00\ub2a5\ud558\uace0 \ub098\uba38\uc9c0 30%\ub294 \uc6d0\ub9ac\uae08\ubcf4\uc7a5 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub0a9\uc785\uae08\uc758 100%\ub97c \ubaa8\ub450 \uc2e4\uc801\ubc30\ub2f9\uc0c1\ud488\uc5d0 \ud22c\uc790 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud22c\uc790 \uc885\ub958\uc5d0 \uc788\uc5b4\uc11c\ub294 IRP\uac00 \ud380\ub4dc\ubcf4\ub2e4 \ub9ce\uc9c0\ub9cc \ud22c\uc790 \ube44\uc728\uc740 \ud380\ub4dc\uac00 IRP\ubcf4\ub2e4 \ub354 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub0a9\uc785\uae08\uc758 100%\ub97c \ud22c\uc790 \ud560 \uc218 \uc788\ub2e4\uace0 \ud558\uc5ec\ub3c4 \ub178\ud6c4\ub300\ube44\uc790\uae08 \ubaa9\uc801\uc774\uae30 \ub54c\ubb38\uc5d0 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ub0b4\ub294 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\ube44\uad50\uc801 \uc790\uc720\ub85c\uc6b4 \uc778\ucd9c<\/strong><\/span><\/p>\n<p>IRP\uc640 \ube44\uad50\ud574\uc11c \ube44\uad50\uc801 \uc790\uc720\ub85c\uc6b4 \uc778\ucd9c\uc774 \uac00\ub2a5\ud55c \uc810 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758(\uc5f0\uae08\uc800\ucd95\ud380\ub4dc, \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8) \uc7a5\uc810\uc785\ub2c8\ub2e4. IRP\uc758 \uacbd\uc6b0\ub294 \ubc95\uc5d0\uc11c \uc815\ud55c \ud2b9\uc815\ud55c \uc0ac\uc720(\ubb34\uc8fc\ud0dd\uc790\uc758 \uc8fc\ud0dd\uad6c\uc785\/\uc804\uc138\ubcf4\uc99d\uae08\/\uac1c\uc778\ud68c\uc0dd \ubc0f \ud30c\uc0b0\/\ucc9c\uc7ac\uc9c0\ubcc0 \ub4f1)\uc5d0\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc911\ub3c4 \uc778\ucd9c \ud560 \uacbd\uc6b0\uc5d0\ub294 \uc5f0\uae08\uc800\ucd95\uc774 IRP\ubcf4\ub2e4\ub294 \uc720\ub9ac\ud55c \uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uacbd\uc6b0\ub294 \uc18c\ub4dd\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc9c0 \uc54a\uc740 \ub0a9\uc785\uae08\uc5d0 \ub300\ud574\uc11c\ub9cc \ube44\uacfc\uc138\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uc810\uc744 \uc720\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc18c\ub4dd\uacf5\uc81c\ub97c \ubc1b\uc740 \ub0a9\uc785\uae08\uacfc \uc218\uc775\uae08\uc5d0 \ub300\ud574\uc11c\ub294 \ub2e8\uc810\uc5d0\uc11c \uc790\uc138\ud788 \uc124\uba85\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<figure style=\"width: 957px\" 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\/cEPAWl\/btssMJErdkp\/C7pIosFf8YFdgReK0NuEpK\/img.jpg?resize=967%2C525&#038;ssl=1\" alt=\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc77c\ubd80 \uc778\ucd9c\uc2dc\" width=\"967\" height=\"525\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>\uc704\uc758 \uc790\ub8cc\ub294 \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc5d0\uc11c \ubc1c\ucdcc\ud574\uc628 \uc790\ub8cc\ub85c \ud30c\ub780\uc0c9\uc758 \uacbd\uc6b0\ub294 \uc138\uc561\uacf5\uc81c\ud55c\ub3c4\uc778 600\ub9cc\uc6d0\uae4c\uc9c0 \uc785\uae08\ud55c \uacbd\uc6b0 600\ub9cc\uc6d0 \uc778\ucd9c\uc2dc 16.5%\ub97c \ub0a9\ubd80\ud558\uba70 \ubcf4\ub77c\uc0c9\uc758 \uacbd\uc6b0\ub294 600\ub9cc\uc6d0\uc744 \ucd08\uacfc\ud558\uc5ec \uc785\uae08\ud588\uc744 \uacbd\uc6b0 \uc778\ucd9c\uae08\uc561 \uc911 \uc138\uc561\uacf5\uc81c\ud55c\ub3c4 \ucd08\uacfc\uae08\uc5d0 \ub300\ud574\uc11c\ub294 \uacfc\uc138\ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \ub0b4\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc790\uc720\ub85c\uc6b4 \uac00\uc785\uc870\uac74<\/strong><\/span><\/p>\n<p>\uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08 IRP \ube44\ud574\uc11c \uc5f0\uae08\uc800\ucd95\uacc4\uc88c(\uc5f0\uae08\uc800\ucd95\ud380\ub4dc, \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8)\ub294 \uac00\uc785 \uc870\uac74\uc774 \uc790\uc720\ub86d\uc2b5\ub2c8\ub2e4. \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08\uc740 \ud1f4\uc9c1\uacfc \uad00\ub828\ub41c \ub9cc\ud07c \uc18c\ub4dd\uc774 \uc788\uc5b4\uc57c \uac00\uc785\uc774 \uac00\ub2a5\ud558\uc9c0\ub9cc \uc608\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uacbd\uc6b0\ub294 \uc5f0\ub839, \uc18c\ub4dd\uc5d0 \uc0c1\uad00\uc5c6\uc774 \ub204\uad6c\ub098 \uac00\uc785\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub807\ub2e4\uba74 \ub2e8\uc810\uc740 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C%EC%9D%98_%EB%8B%A8%EC%A0%90\"><\/span><strong>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \ub2e8\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc6d0\uae08\uc190\uc2e4 \uac00\ub2a5\uc131<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uac00\uc7a5 \ud070 \ub2e8\uc810\uc774\uba70 \ubaa8\ub4e0 \ud22c\uc790 \uc2dc \ud56d\uc0c1 \uc720\uc758\ud574\uc57c \ud560 \uc810\uc785\ub2c8\ub2e4. \ud22c\uc790\ub97c \uc9c4\ud589\ud560 \uacbd\uc6b0 \uc6d0\uae08 \uc190\uc2e4\uc744 \uc785\uc744 \uacbd\uc6b0 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc9c0\uc5d0 \ub300\ud574\uc11c \uc0dd\uac01\ud574\ubcf4\uc154\uc57c \ud569\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \uacbd\uc6b0 \uc6d0\ub9ac\uae08\ubcf4\uc7a5\ud615 \uc0c1\ud488\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uadf8\ub9cc\ud07c \uc548\uc815\uc801\uc778 \uc0c1\ud488\uc744 \ucc3e\uc544\uc11c \ud22c\uc790\ud558\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc911\ub3c4 \uc778\ucd9c \ubc0f \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>\uc18c\ub4dd\uacf5\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc9c0 \uc54a\uc740 \ub0a9\uc785\uae08\uc5d0 \ub300\ud574\uc11c\ub9cc \ube44\uacfc\uc138\uc774\uc9c0\ub9cc \uc18c\ub4dd\uacf5\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc740 \uae08\uc561\uacfc \uc218\uc775\uae08\uc744 \uc778\ucd9c\ud560 \uacbd\uc6b0\ub294 \uc774\ubbf8 \ubc1b\uc740 \uc18c\ub4dd\uacf5\uc81c \ud61c\ud0dd\uacfc \uadf8 \ub3d9\uc548\uc5d0 \uc218\uc775\uc5d0 \ub300\ud574\uc11c \uacfc\uc138\ub97c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uadfc\ub85c\uc18c\ub4dd \ucd1d \uae09\uc5ec 5,500\ub9cc\uc6d0\/\uc885\ud569\uc18c\ub4dd 4,500\ub9cc\uc6d0\uc744 \ucd08\uacfc\ud558\ub294 \ubd84\uc740 \ud658\uae09 \ubc1b\uc744 \uacbd\uc6b0 13.2%\ub97c \ud658\uae09 \ubc1b\uc9c0\ub9cc \uc911\ub3c4 \uc778\ucd9c\uc774\ub098 \ud574\uc9c0\uc2dc 16.5%\ub97c \ubd80\uacfc\ud558\uac8c \ub418\ubbc0\ub85c 3.3%\ub97c \ub354 \uc190\ud574\ubcf4\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub9cc\uc744 \uc774\uc6a9\ud558\uc5ec 1,100\ub9cc\uc6d0\uc744 \uc911\ub3c4 \uc778\ucd9c \ubc0f \ud574\uc9c0 \ud560 \uacbd\uc6b0 \uc18c\ub4dd\uacf5\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc740 \uae08\uc561\uc774 600\ub9cc\uc6d0\uc774\uba70 400\ub9cc\uc6d0\uc740 \uc18c\ub4dd\uacf5\uc81c\ub97c \ubc1b\uc9c0 \uc54a\uc740 \uae08\uc561 100\ub9cc\uc6d0\uc740 \uc218\uc775\uc73c\ub85c \uc5bb\uc740 \uae08\uc561\uc774\ub77c\uba74 400\ub9cc\uc6d0\uc5d0 \ub300\ud574\uc11c\ub294 \ube44\uacfc\uc138\uc774\uba70 \uc18c\ub4dd\uacf5\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc740 \uae08\uc561 600\ub9cc\uc6d0\uacfc \uc218\uc775\uae08 100\ub9cc\uc6d0 \ub300\ud574\uc11c\ub294 16.5%\uc758 \uae30\ud0c0\uc18c\ub4dd\uc138\uac00 \ubc1c\uc0dd\ud558\uc5ec 99\ub9cc\uc6d0, 16\ub9cc 5\ucc9c\uc6d0\uc744 \ub0a9\ubd80\ud558\uac8c \ub418\uc5b4 \ucd1d 984\ub9cc 5\ucc9c\uc6d0\uc6d0\ub9cc \uc9c0\uae09 \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<ul>\n<li><span style=\"font-size: 14pt;\">\uc18c\ub4dd\uacf5\uc81c \ubc1b\uc740 \uae08\uc561 : 16.5%(\uae30\ud0c0\uc18c\ub4dd\uc13815%+1.5%\uc9c0\ubc29\uc138)<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\uc18c\ub4dd\uacf5\uc81c \ubc1b\uc9c0 \uc54a\uc740 \uae08\uc561 : \ube44\uacfc\uc138<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\uc5bb\uc740 \uc218\uc775\uae08 : 16.5%(\uae30\ud0c0\uc18c\ub4dd\uc13815%+1.5%\uc9c0\ubc29\uc138)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure style=\"width: 978px\" 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\/bM5zsJ\/btssN3I8rOF\/zePyyxL0BKAhwd0Y4cw1z1\/img.jpg?resize=988%2C532&#038;ssl=1\" alt=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc778\ucd9c \uc2dc \uc8fc\uc758\uc0ac\ud56d\" width=\"988\" height=\"532\" \/><figcaption class=\"wp-caption-text\">\ucd9c\ucc98 : \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>\uc704\uc758 \uc790\ub8cc\ub294 \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc5d0\uc11c \uac00\uc838\uc628 \uc790\ub8cc\uc774\uba70 \ucd9c\uae08 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uc138\uae08\uacfc \ucd9c\uae08\uc6b0\uc120\uc21c\uc704\uac00 \ube44\uacfc\uc138 \ub300\uc0c1 \uae08\uc561(\uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc9c0\uc54a\uc740 \uae08\uc561)\uc744 \uba3c\uc800 \ucd9c\uae08\ud560 \uac83\uc744 \uc54c\ub9ac\ub294 \ub0b4\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ud22c\uc790 \uc885\ub958\uc758 \ubc94\uc704\uac00 \uc881\ub2e4<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc740 \ubcf4\ud5d8 \uc0c1\ud488\uc5d0\ub9cc \ud22c\uc790\uac00 \uac00\ub2a5\ud558\ub2c8 \uc81c\uc678\ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 IRP\uc5d0 \ube44\ud574\uc11c \ud22c\uc790 \uc885\ub958\uc758 \ubc94\uc704\uac00 \uc881\uc2b5\ub2c8\ub2e4. IRP\uc640 \ube44\uad50\ud558\uc5ec \uc6d0\ub9ac\uae08\ubcf4\uc7a5\ud615 \uc0c1\ud488(\uc815\uae30 \uc608\uae08)\uc5d0 \ud22c\uc790\ub3c4 \ubd88\uac00\ub2a5\ud558\uba70 \uc704\ud5d8\ub3c4\uac00 \ub192\uc9c0\ub9cc \uc218\uc775\uc774 \ub192\uc740 ETF \ud30c\uc0dd\uc0c1\ud488, \uc778\ubc84\uc2a4 ETF, \ub808\ubc84\ub9ac\uc9c0 ETF \ub4f1\uc5d0 \ud22c\uc790\uac00 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc IRP\uc640 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ubaa8\ub450 \ud574\uc678\uc0c1\uc7a5 \ud574\uc678 ETF\uc5d0\ub294 \ud22c\uc790\uac00 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ud380\ub4dc, \ub9ac\uce20, \uc548\uc815\uc131\uc774 \ub192\uc740 \uae30\ucd08\uc9c0\uc218(<span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%bd%94%ec%8a%a4%ed%94%bc\/\">\ucf54\uc2a4\ud53c<\/a><\/strong><\/span>, <a href=\"https:\/\/finance-bepang.com\/economy\/%ec%bd%94%ec%8a%a4%eb%8b%a5kosdaq\/\"><strong><span style=\"color: #0000ff;\">\ucf54\uc2a4\ub2e5<\/span><\/strong><\/a>, <span style=\"color: #0000ff;\"><strong><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 3\ub300 \uc8fc\uac00\uc9c0\uc218<\/a><\/strong><\/span>)\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc778\ub371\uc2a4 \ud380\ub4dc\ub97c \ube44\ub86f\ud55c ETF\uc5d0\ub9cc \ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9ac\uce20, ETF \ub4f1\uacfc \uad00\ub828\ud558\uc5ec \uad81\uae08\ud558\uc2e0 \ubd84\uc740 \uc544\ub798\uc758 \ub9c1\ud06c\ub97c \uc774\uc6a9\ud574\uc11c \ube14\ub85c\uadf8 \ub0b4 \uad00\ub828 \ud3ec\uc2a4\ud305\uc73c\ub85c \uc774\ub3d9 \ud6c4 \ucc38\uace0\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"QtmmQOx0r6\"><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=NC45Tft1cK#?secret=QtmmQOx0r6\" data-secret=\"QtmmQOx0r6\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"MPgHcfGQex\"><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=y5abb0Eukv#?secret=MPgHcfGQex\" data-secret=\"MPgHcfGQex\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"R594jf5mPj\"><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=HWUv64SDio#?secret=R594jf5mPj\" data-secret=\"R594jf5mPj\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"gIA0ujTBr0\"><p><a href=\"https:\/\/finance-bepang.com\/economy\/%ec%9d%b8%eb%b2%84%ec%8a%a4-etf\/\">\uc778\ubc84\uc2a4 ETF\uc758 \uc6d0\ub9ac, TOP 20 \ubc0f \uc778\ubc84\uc2a4 ETF \uc7a5\ub2e8\uc810,\ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95<\/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;\uc778\ubc84\uc2a4 ETF\uc758 \uc6d0\ub9ac, TOP 20 \ubc0f \uc778\ubc84\uc2a4 ETF \uc7a5\ub2e8\uc810,\ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95&#8221; &#8212; \ubca0\ud321\uc758 \ub3c8\uc774\ub418\ub294 \uc774\uc57c\uae30\" src=\"https:\/\/finance-bepang.com\/economy\/%ec%9d%b8%eb%b2%84%ec%8a%a4-etf\/embed\/#?secret=K1mrYcwue6#?secret=gIA0ujTBr0\" data-secret=\"gIA0ujTBr0\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"T4PU4D0pk9\"><p><a href=\"https:\/\/finance-bepang.com\/economy\/%eb%a0%88%eb%b2%84%eb%a6%ac%ec%a7%80-etf\/\">\ub808\ubc84\ub9ac\uc9c0 ETF \uc758\ubbf8, \ub300\ud45c \uc0c1\ud488 7\uac00\uc9c0, \uc7a5\ub2e8\uc810 \ubc0f \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95<\/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;\ub808\ubc84\ub9ac\uc9c0 ETF \uc758\ubbf8, \ub300\ud45c \uc0c1\ud488 7\uac00\uc9c0, \uc7a5\ub2e8\uc810 \ubc0f \ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95&#8221; &#8212; \ubca0\ud321\uc758 \ub3c8\uc774\ub418\ub294 \uc774\uc57c\uae30\" src=\"https:\/\/finance-bepang.com\/economy\/%eb%a0%88%eb%b2%84%eb%a6%ac%ec%a7%80-etf\/embed\/#?secret=e7pOSoA6AA#?secret=T4PU4D0pk9\" data-secret=\"T4PU4D0pk9\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"QuNAeI0XP3\"><p><a href=\"https:\/\/finance-bepang.com\/economy\/%eb%a6%ac%ec%b8%a0reits%eb%9e%80-%eb%a6%ac%ec%b8%a0-%ed%88%ac%ec%9e%90-%ec%9e%a5%eb%8b%a8%ec%a0%90\/\">\ubd80\ub3d9\uc0b0\ud22c\uc790\uc2e0\ud0c1 \ub9ac\uce20(REITs)\ub780, \ub9ac\uce20 \ud22c\uc790 \uc885\ub958\uc640 \uc7a5\ub2e8\uc810, \ud22c\uc790 \uc2dc \uafc0\ud301 5\uac00\uc9c0<\/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;\ubd80\ub3d9\uc0b0\ud22c\uc790\uc2e0\ud0c1 \ub9ac\uce20(REITs)\ub780, \ub9ac\uce20 \ud22c\uc790 \uc885\ub958\uc640 \uc7a5\ub2e8\uc810, \ud22c\uc790 \uc2dc \uafc0\ud301 5\uac00\uc9c0&#8221; &#8212; \ubca0\ud321\uc758 \ub3c8\uc774\ub418\ub294 \uc774\uc57c\uae30\" src=\"https:\/\/finance-bepang.com\/economy\/%eb%a6%ac%ec%b8%a0reits%eb%9e%80-%eb%a6%ac%ec%b8%a0-%ed%88%ac%ec%9e%90-%ec%9e%a5%eb%8b%a8%ec%a0%90\/embed\/#?secret=lbudkiu5gj#?secret=QuNAeI0XP3\" data-secret=\"QuNAeI0XP3\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\uc608\uae08\uc790\ubcf4\ud638\ubc95\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4.<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>\uae08\uc735 \uc0c1\ud488 \uc911\uc5d0\ub294 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc774 \uc801\uc6a9\ub418\uc5b4 \uc608\uae08\uc561 \uc911 \ucd5c\ub300 5,000\ub9cc\uc6d0\uae4c\uc9c0 \ubcf4\ud638\ud558\ub294 \uae08\uc735 \uc0c1\ud488\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uae08\uc800\ucd95\ubcf4\ud5d8\uc774 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \uc801\uc6a9\ub418\ub294 \uac83\uc5d0 \ubc18\ud574 \uc608\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc544 \uc608\uae08\uc744 \ubcf4\ud638\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uacbd\uc6b0\ub294 \ub9e4\uc6b0 \uadf9\ub2e8\uc801\uc778 \uc0c1\ud669\uc5d0 \ubcf4\ud638\ub97c \ubc1b\uc744 \uc218 \uc5c6\uc9c0\ub9cc \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc77c\uc5b4\ub098\uc9c0 \uc54a\ub294 \uc0c1\ud669\uc774\uae30 \ub54c\ubb38\uc5d0 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uc5ec \uc218\uc775\uc744 \ub0b4\ub294 \uac83\uc5d0 \uc911\uc810\uc744 \ub9de\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc54c\uace0 \uc788\uc5b4\uc57c \ud560 \uc810\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub807\ub2e4\uba74 \uc6d0\uae08\uc744 \ub0a9\uc785\ud558\uc5ec \ubaa8\uc73c\uae30\ub9cc \ud558\ub294 \uac83\uc774 \uc544\ub2cc \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub97c \uc774\uc6a9\ud558\uc5ec \ud22c\uc790\ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B5%B3%EC%9D%B4_%ED%88%AC%EC%9E%90%ED%95%98%EB%8A%94_%EC%9D%B4%EC%9C%A0%EB%8A%94_%EB%AC%B4%EC%97%87%EC%9D%BC%EA%B9%8C\"><\/span><strong>\uad73\uc774 \ud22c\uc790\ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc77c\uae4c?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>\ud3ec\uc2a4\ud305 \uc11c\ub860\uc5d0\uc11c \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc5d0 \ub0a9\uc785\ud558\uc5ec \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ubaa8\uc544\ub450\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \ub178\ud6c4\ub300\ube44\ub97c \uc798\ud558\uace0 \uc788\ub2e4\uace0 \ub9d0\uc500\ub4dc\ub838\uc9c0\ub9cc \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud22c\uc790\ud558\ub294 \uc774\uc720\ub294 \ud06c\uac8c \ub450 \uac00\uc9c0 \uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uc7a5\uc810\uc774 \uc544\ub2cc \ub178\ud6c4\ub300\ube44\uc790\uae08\uc73c\ub85c \uad73\uc774 \uc65c \ud22c\uc790\ub97c \ud560\uae4c?\ub77c\ub294 \uadfc\ubcf8\uc801\uc778 \uc774\uc720\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ub354\uc6b1 \ubd88\ub9ac\ub294 \uac83\uc774 \uc88b\ub2e4.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\ub178\ud6c4\ub300\ube44\uc790\uae08\uc740 \ub9d0 \uadf8\ub300\ub85c \uc740\ud1f4 \ud6c4\uc758 \ud3b8\uc548\ud55c \ub178\ud6c4 \uc0dd\ud65c\uc744 \uc704\ud55c \uc790\uae08\uc785\ub2c8\ub2e4. \uc740\ud1f4 \ud6c4\uc5d0 \uc0c8\ub85c\uc6b4 \uc9c1\uc5c5\uc744 \uac16\uae30 \ud798\ub4e4 \uc218\ub3c4 \uc788\uc73c\uba70 \uc2e0\uccb4\uc801\uc73c\ub85c \ub178\ub3d9\uc744 \ud560 \uc218 \uc5c6\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0\uc5d0\ub294 \ud22c\uc790\ub97c \ud1b5\ud574 \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ub354\uc6b1 \ubd88\ub824\uc11c \ub9ce\uc774 \ube44\ucd95\ud574 \ub193\ub294\ub2e4\uba74 \ub354 \uc88b\uc9c0 \uc54a\uc744\uae4c\uc694? \ub3c8\uc774\ub780 \uac83\uc740 \ubb34\uc870\uac74 \ub9ce\ub2e4\uace0 \uc88b\uc9c0\ub294 \uc54a\uc9c0\ub9cc \uc5c6\ub294 \uac83 \ubcf4\ub2e4\ub294 \uc788\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \ubb3c\uac00\ub294 \uc0c1\uc2b9\ud558\uba70 \ud654\ud3d0\uac00\uce58\ub294 \ud558\ub77d\ud55c\ub2e4.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uc6b0\ub9ac\uc758 \uacbd\uc81c\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uacc4\uc18d \uc131\uc7a5\ud574\uc654\uc73c\uba70 \ubb3c\uac00\ub294 \uacc4\uc18d \uc0c1\uc2b9\ud558\uac8c \ub429\ub2c8\ub2e4. \uadf8\ub7ec\uba74\uc11c \ud654\ud3d0\uc758 \uac00\uce58\ub294 \uc810\uc810 \ud558\ub77d\ud558\uac8c \ub429\ub2c8\ub2e4. \ubd88\uacfc 10\ub144 \uc804 \ubb3c\uac00\uc640 \ud604\uc7ac\uc758 \ubb3c\uac00\ub97c \ube44\uad50\ud574\ubcf8\ub2e4\uba74 \uc27d\uac8c \uc774\ud574\ud558\uc2dc\ub9ac\ub77c \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \ud2b9\uc131\uc0c1 \ub9cc 55\uc138 \uc774\ud6c4\uc758 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud574\uc57c \uc138\uae08\uc744 \uc801\uac8c \ub0b4\ub294 \uc870\uac74\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uae08 \uc218\ub839 \uc2dc\uae30\ub294 \uc9e7\uac8c\ub294 10\ub144 \uae38\uac8c\ub294 2~30\ub144\uc774 \ub418\ub294 \ubd84\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4. 10\ub144 \ud639\uc740 2~30\ub144 \ub4a4\uc758 \ud654\ud3d0\uac00\uce58\ub294 \uc5b4\ub5bb\uac8c \ub3fc\uc788\uc744\uae4c\uc694?<\/p>\n<p>&nbsp;<\/p>\n<p>\uc704\uc758 \ub450 \uac00\uc9c0 \uc774\uc720 \ub54c\ubb38\uc5d0 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud22c\uc790\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub7fc \ud22c\uc790\ub97c \ud560 \uacbd\uc6b0 \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ud574\uc57c \ud560\uae4c\uc694?<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%ED%99%9C%EC%9A%A9_%EB%B0%A9%EB%B2%95\"><\/span><strong>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c \ud65c\uc6a9 \ubc29\ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>\ud574\ub2f9 \ub0b4\uc6a9\uc740 \ud22c\uc790 \uac15\uc694\uc758 \ubaa9\uc801\uc740 \uc5c6\uc73c\uba70 \uc804\ubb38\uac00\ub4e4\uc774 \ucd94\ucc9c\ud558\ub294 \ubc29\ubc95\uc744 \uc18c\uac1c\ud558\ub294 \uc815\ubcf4 \uc81c\uacf5\uc758 \ubaa9\uc801\uc758 \ub0b4\uc6a9\uc785\ub2c8\ub2e4. \ud22c\uc790\uc758 \ucc45\uc784\uc740 100% \ubcf8\uc778\uc5d0\uac8c \uc788\ub2e4\ub294 \uc810\uc744 \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>\uc544\ub798\ub294 \uc5f0\uae08\uacc4\uc88c(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c, \uac1c\uc778\ud1f4\uc9c1\uc5f0\uae08IRP)\uc758 \uc218\uc775\ub960\uc774 \uac1c\uc778\ubcf4\ub2e4\ub294 \ud380\ub4dc\ub9e4\ub2c8\uc838\uc5d0\uac8c \ub9e1\uae30\ub294 \ud3b8\uc774 \uc218\uc775\ub960\uc774 \ub354 \uc88b\uc73c\uba70 \ub178\ud6c4\ub300\ube44\uc790\uae08\uc778 \uac83\uc744 \uace0\ub824\ud558\uc5ec \uacf5\uaca9\uc801\uc778 \ud22c\uc790\ubcf4\ub2e4\ub294 \uc548\uc815\uc801\uc778 \ud22c\uc790 \ubc29\ubc95\uc744 \uad8c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c 2023\ub144 \uc5f0\uae08\ud380\ub4dc \uc218\uc775\ub960 TOP10 \uc885\ubaa9\uc744 \uc54c\ub824\uc8fc\uace0 \uc788\ub294 \ub274\uc2a4\ud1a0\ub9c8\ud1a0\uc758 \uae30\uc0ac\uc785\ub2c8\ub2e4. \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n<div><center><br \/>\n<a class=\"myButton\" href=\"http:\/\/www.newstomato.com\/ReadNews.aspx?no=1197260&amp;inflow=N\" rel=\"noopener\">\uad00\ub828\uae30\uc0ac \ubcf4\ub7ec\uac00\uae30<\/a><\/center><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\ud22c\uc790 \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574\uc11c \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ud22c\uc790\ub294 \ubb34\uc12d\uace0 \uc6d0\uae08\ub9cc \uc9c0\ud0a4\uace0 \uc2f6\uc740 \uacbd\uc6b0<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\ud22c\uc790\uc5d0 \ub300\ud55c \uacf5\ud3ec\uc640 \uac70\ubd80\uac00 \uc788\ub294 \ubd84\ub4e4\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\uc6b0\uc5d0\ub294 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub97c \uc774\uc6a9\ud558\ub294 \uac83 \ubcf4\ub2e4 \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 \uc608\uce58\uae08\uc744 \ub450\uae30\ub9cc \ud574\ub3c4 \uc5f0 0.1 ~ 0.75% \uc815\ub3c4 \uc774\uc790\ub97c \uc8fc\uae30\ub3c4 \ud558\uc9c0\ub9cc \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc154\uc11c \uc7a5\uae30\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\uc2dc\ub294 \ud3b8\uc774 \uc218\uc775\ub960 \uba74\uc5d0\uc11c \ub354\uc6b1 \ub0ab\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc758 \uacbd\uc6b0\ub294 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc774 \uc801\uc6a9\ub418\ub2c8 \uc774\ubbf8 \ub0a9\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud574\uc11c\ub294 5,000\ub9cc\uc6d0\uae4c\uc9c0 \ubcf4\ud638 \ubc1b\uc73c\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<div><center><br \/>\n<a class=\"myButton\" href=\"https:\/\/skyedaily.com\/news\/news_view.html?ID=202229\" rel=\"noopener\">\uad00\ub828\uae30\uc0ac \ubcf4\ub7ec\uac00\uae30<\/a><\/center><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\uc544\ub798\uc758 \uae30\uc0ac\ub294 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc640 \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8 \uc911\uc5d0 \uc5b4\ub290 \uac83\uc744 \uac00\uc785\ud574\uc57c \ud558\ub294\uc9c0 \uace0\ubbfc\ud558\ub294 \ubd84\ub4e4\uc758 \uace0\ubbfc\uc744 \ud574\uc18c \uc2dc\ucf1c\uc904 \uc218 \uc788\ub294 \ub0b4\uc6a9\uc744 \ub2f4\uace0 \uc788\ub294 \uc2a4\uce74\uc774\ub370\uc77c\ub9ac\uc758 \uae30\uc0ac\uc785\ub2c8\ub2e4. \uc544\uc9c1 \uace0\ubbfc \uc911\uc774\uc2e0 \ubd84\uc774\ub77c\uba74 \ud55c\ubc88 \uc77d\uc5b4\ubcf4\uc2dc\ub294 \uac83\uc744 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>ETF\ub85c \uc7a5\uae30 \ud22c\uc790\ub97c \ud560 \uac83<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \ud2b9\uc131\uc0c1 \uc218\ub839 \uc2dc\uae30\uac00 \ub9e4\uc6b0 \ub2a6\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud2b9\uc131\uc744 ETF\uc758 \ud2b9\uc131\uacfc \uc811\ubaa9\uc2dc\ud0a4\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc120\uc9c4\uad6d \uc8fc\uac00 \uc9c0\uc218\ub97c \ub530\ub974\ub294 \uc778\ub371\uc2a4 \ud380\ub4dc\ub098 ETF\ub294 \uc7a5\uae30 \ud22c\uc790\uc758 \uacbd\uc6b0 \uc218\uc775\ub960\uc774 \ub9e4\uc6b0 \ub192\uc740 \ud3b8\uc774\uba70 \uc190\uc2e4\uc744 \ubcf4\ub294 \uacbd\uc6b0\ub294 \ub9e4\uc6b0 \ub4dc\ubb3c\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \ub300\ud574 \uc798 \ubaa8\ub974\uc2dc\ub294 \ubd84\ub4e4\uc740 \uc774 \uc810\uc744 \ud65c\uc6a9\ud574\ubcf4\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uae08\ub9ac\ubcc0\ub3d9\uc774 \uc801\uc740 \uc800\uae08\ub9ac\uc2dc\ub300\uc5d0\ub294 \ub9ac\uce20\ub97c \ud65c\uc6a9\ud560 \uac83<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub9ac\uce20\uc5d0\ub3c4 \ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub9ac\uce20(REITs)\ub294 \ubd80\ub3d9\uc0b0\uc2e0\ud0c1\ud68c\uc0ac \ub9ac\uce20\uc0ac\uc5d0 \ud22c\uc790\ud558\uc5ec \ubd80\ub3d9\uc0b0\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub9ac\uce20 \ub610\ud55c ETF\uac00 \uc874\uc7ac\ud558\uba70 \ub9ac\uce20\uc0ac\uc758 \ubc95\uc778\uc138 \uba74\uc81c \uc870\uac74\uc774 \uc218\uc775\uae08\uc758 90%\ub97c \uc758\ubb34\uc801\uc73c\ub85c \ubc30\ub2f9\ud574\uc57c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubc30\ub2f9\uc218\uc775\ub960\uc774 \ub9e4\uc6b0 \ub192\uc740 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \uae08\ub9ac\ubcc0\ub3d9\uc774 \ud06c\uac70\ub098 \uace0\uae08\ub9ac\uc2dc\ub300\uc5d0\ub294 \ub9ac\uce20 \uc0c1\ud488\uc758 \uc218\uc775\uc774 \ub5a8\uc5b4\uc838\uc11c \uba54\ub9ac\ud2b8\uac00 \uc5c6\uc5b4\uc9c0\ubbc0\ub85c \uae08\ub9ac\ubcc0\ub3d9\uc774 \uc801\uac70\ub098 \uc800\uae08\ub9ac\uc2dc\ub300\uc5d0\ub294 \ub9ac\uce20\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uace0\uc18c\ub4dd\uc790 \ud639\uc740 \uae08\uc735\uc885\ud569\uc18c\ub4dd \uacfc\uc138\uc790\uc758 \uacbd\uc6b0<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\ud604\ud589\ubc95 \uc0c1 \uc138\ubc95\uc774 \uac1c\uc815\ub418\uc5b4 \uc911\ub3c4 \uc778\ucd9c \ubc0f \ud574\uc9c0 \uc2dc \uc218\uc775\uae08\uc5d0 \ub300\ud574 16.5% \uc138\uc728\uc758 \uae30\ud0c0\uc18c\ub4dd\uc138 \ud639\uc740 \uc885\ud569\uc18c\ub4dd\uacfc\uc640 \ud569\uc0b0\ud558\uc5ec \ub204\uc9c4\uc138\uc728\uc744 \uc801\uc6a9\ud55c \uc885\ud569\uc18c\ub4dd\uc138 \uc911 \ud0dd\ud558\uc5ec \uc138\uae08\uc744 \ub0a9\ubd80\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7f0 \ubd84\ub9ac\uacfc\uc138\ub97c \uc774\uc6a9\ud558\uc5ec 16.5%\uc758 \uae30\ud0c0\uc18c\ub4dd\uc138\ub97c \ub0b8\ub2e4\uba74 \uc885\ud569\uc18c\ub4dd\uc138 \ubcf4\ub2e4\ub294 \ub0ae\uc740 \uc138\uc728\ub85c \uc138\uae08\uc744 \ub0b4\uae30 \ub54c\ubb38\uc5d0 \uc808\uc138\uc758 \ud6a8\uacfc\ub97c \ub178\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc18c\ub4dd\uacf5\uc81c\uae08\uc561\ub9cc\ud07c\uc740 \ub0a9\uc785\ud560 \uac83 <\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\ud574\ub2f9 \ub0b4\uc6a9\uc740 \uc704\uc5d0\uc11c \uc7a0\uae50 \uc124\uba85\ub4dc\ub838\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\uae30\uc900\uc5d0 \ub530\ub77c 13.2% \ud639\uc740 16.5%\ub97c \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc544 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \ud658\uae09 \ubc1b\uae30 \ub54c\ubb38\uc5d0 \uc5f0\uac04 \uc18c\ub4dd\uacf5\uc81c\uae08\uc561\ud55c\ub3c4\ub9cc\ud07c\uc740 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc5d0 \ub0a9\uc785\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub9cc \uc6b4\uc6a9 \uc2dc \uc5f0\uac04 \ucd5c\ub300 600\ub9cc\uc6d0, IRP\uc640 \ud568\uaed8 \uc6b4\uc6a9 \uc2dc \uc5f0\uac04 \ud569\uc0b0 \ucd5c\ub300 900\ub9cc\uc6d0\uae4c\uc9c0 \uc18c\ub4dd\uacf5\uc81c\ud55c\ub3c4\uc785\ub2c8\ub2e4. \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc5f0 13.2% \ud639\uc740 \uc5f0 16.5%\uc758 \uc218\uc775\ub960\uc744 \uc5bb\ub294 \uac83\uacfc \ub611\uac19\uc740 \ud6a8\uacfc\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\uc5f0\uac04 \ub0a9\uc785\uae08\uc744 \ub2e4 \ucc44\uc6e0\ub2e4\uba74 \uc911\uac1c\ud615 ISA\uacc4\uc88c\ub97c \ud65c\uc6a9\ud558\uc790.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uc774 \uacbd\uc6b0\ub294 \uc81c \uc8fc\ubcc0\uc5d0 \uc885\uc885 \uc788\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. IRP\uc640 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc5d0 \uc5f0\uac04 \ub0a9\uc785\ud55c\ub3c4\ub97c \uba3c\uc800 \ucc44\uc6b0\uace0 \uadf8 \ub4a4\uc5d0 \uc911\uac1c\ud615 ISA\ub97c \ud65c\uc6a9 \ud558\uc2dc\ub294 \ubd84\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub178\ud6c4\ub300\ube44\uc790\uae08 \ud615\uc131\uc758 \uce21\uba74\uc5d0\uc11c\ub294 \ub9e4\uc6b0 \ubc14\ub78c\uc9c1\ud55c \ub0a9\uc785 \ubc29\ubc95\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub807\uac8c \ub0a9\uc785\ud558\ub294 \ubd84\ub4e4\uc774 \uc788\uc9c0\ub9cc \uc544\ub2cc \ubd84\ub4e4\ub3c4 \uacc4\uc2e4 \uac83 \uac19\uc544\uc11c \uc54c\ub824\ub4dc\ub9ac\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. IRP\uc640 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \ud55c\ub3c4\ub294 \ud569\uc0b0\ud558\uc5ec \uc5f0\uac04 1,800\ub9cc\uc6d0\uc774\uba70 \uc911\uac1c\ud615 ISA\uc758 \uacbd\uc6b0\ub294 \uc5f0\uac04 2,000\ub9cc\uc6d0\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc5f0\uac04 \ub0a9\uc785\uae08\uc744 \uac00\ub4dd \ucc44\uc6e0\ub2e4\uba74 \uc911\uac1c\ud615 ISA\uacc4\uc88c\ub85c \ub0a9\uc785\ud558\uc5ec \ud22c\uc790\ub97c \uc9c4\ud589\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 18pt;\">\ubc30\uc6b0\uc790\uc758 \uacc4\uc88c\ub97c \ud65c\uc6a9\ud558\uc790.<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\uc774 \ubc29\ubc95\uc740 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uac00\uc785 \uc870\uac74 \uc81c\ud55c\uc774 \uc5c6\ub294 \uac83\uc744 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc774\uba70 \ub610\ud55c \ubc30\uc6b0\uc790 \uac04 \uc99d\uc5ec \uacf5\uc81c \ud55c\ub3c4\ub294 10\ub144\uac04 6\uc5b5\uc6d0\uc778\uc810\uc744 \ub3d9\uc2dc\uc5d0 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4.\u00a0 \uc5f0\uac04 \uc5f0\uae08 \uc218\ub839\uc561\uc774 1,200\ub9cc\uc6d0\uc774 \ub118\uac8c \ub41c\ub2e4\uba74 \uc138\uc81c \ud61c\ud0dd\uc744 \ub9ce\uc774 \ubc1b\uc9c0 \ubabb\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0 \uc804\uc5c5 \uc8fc\ubd80\uc778 \ubc30\uc6b0\uc790\uc758 \uacc4\uc88c\ub97c \ud65c\uc6a9\ud558\uc5ec \ubc30\uc6b0\uc790\uc758 \uacc4\uc88c\ub85c \ub0a9\uc785\uae08\uc744 \ub123\uac8c \ub418\uc5b4 \uc5f0\uae08\uc744 \ub098\ub220 \ubc1b\uac8c \ub41c\ub2e4\uba74 \uc138\uc81c \ud61c\ud0dd\uc744 \ub3d9\uc77c\ud558\uac8c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <span style=\"font-size: inherit;\">\uaf2d \ubc30\uc6b0\uc790\uac00 \uc804\uc5c5\uc8fc\ubd80\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4 \ubc30\uc6b0\uc790\uc758 \ub0a8\uc740 \ud55c\ub3c4\ub97c \uc774\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>\ubd80\ubd80\uc758 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \ud55c\ub3c4\ub97c \ub2e4 \ud65c\uc6a9\ud588\ub2e4\uba74 \uc704\uc758 \ubc29\ubc95\ucc98\ub7fc \ubc30\uc6b0\uc790\uc758 \uc911\uac1c\ud615 ISA\uacc4\uc88c\uac00 \uc788\ub2e4\uba74 \ud65c\uc6a9\ud574\ubcf4\ub294 \uac83\ub3c4 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub2e8, \uc911\uac1c\ud615 ISA\uc758 \uacbd\uc6b0\uc758 \uac00\uc785 \uc870\uac74\uc740 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ubcf4\ub2e4\ub294 \uae4c\ub2e4\ub86d\uae30 \ub54c\ubb38\uc5d0 \uac00\uc785\ud560 \uc218 \uc5c6\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>(\uc190)\uc790\ub140 \uc99d\uc5ec \uc218\ub2e8<\/strong><\/span><\/p>\n<p>\ud604\uc7ac \uc6b0\ub9ac \ub098\ub77c\uc758 \ubbf8\uc131\ub144\uc790\uc5d0 \ud574\ub2f9\ud558\ub294 (\uc190)\uc790\ub140\uc758 \uc99d\uc5ec\uacf5\uc81c\uc561\uc740 10\ub144\uac04 2\ucc9c\ub9cc\uc6d0\uc785\ub2c8\ub2e4. 2\ucc9c\ub9cc\uc6d0\uc5d0 \ud574\ub2f9\ud558\ub294 \uae08\uc561\uc744 (\uc190)\uc790\ub140 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub85c \ud55c\ubc88\uc5d0 \uc99d\uc5ec\ud558\ub294 \ubc29\ubc95\uacfc \ub9e4\uc6d4 19\ub9cc\uc6d0\uc529 10\ub144\uac04 \uc99d\uc5ec\ud558\uac8c \ub418\uba74 3.0%\uc758 \ud560\uc778\uc728\ub85c \ud560\uc778\ub418\uc5b4 2\ucc9c\ub9cc\uc6d0\uc73c\ub85c \uc99d\uc5ec\uc2e0\uace0\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub807\uac8c \uc99d\uc5ec\ud55c \uae08\uc561\uc73c\ub85c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uc5ec \uc120\uc9c4\uad6d \uc9c0\uc218\ub97c \ub530\ub974\ub294 ETF \ub4f1\uc5d0 \ud22c\uc790\ud558\uac8c \ub418\uba74 \uc99d\uc5ec\uc138\ub97c \ub0b4\uc9c0 \uc54a\uc74c\uacfc \ub3d9\uc2dc\uc5d0 \uc99d\uc5ec \uc790\uc0b0\uc744 \ud22c\uc790\ud558\uc5ec \ubd88\ub9b4 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc77d\uc73c\uc2dc\uba74\uc11c \uc138\uae08 \uc548\ub0b4\ub824\ub294 \ud3b8\ubc95\ub9cc \uc368\ub193\uc558\ub124?\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\uc774 \uc788\ub2e4\uba74 \uc9c4\uc9c0\ud558\uac8c \ub2e4\uc2dc \uc0dd\uac01\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc815\ud574\uc9c4 \ubc95\ub960 \uc548\uc5d0\uc11c \uc808\uc138\ub294 \ud22c\uc790\ub9cc\ud07c \uc911\uc694\ud569\ub2c8\ub2e4. \uc544\ub294\ub9cc\ud07c \ub3c8\uc744 \ubc84\ub294 \uc2dc\ub300\uc774\uba70 \ub178\ub3d9\uc73c\ub85c\ub9cc \ub3c8\uc744 \ubc8c \uc218 \uc788\ub294 \uc2dc\ub300\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/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>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uc885\ub958 \uc911 \uc5f0\uae08\ubcf4\ud5d8\ud380\ub4dc\uc5d0 \ub300\ud574 \uc8fc\ub85c \ub2e4\ub904\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uc7a5\uc810\uc740 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70 \ub178\ud6c4\ub300\ube44\uc790\uae08 \ud615\uc131\uacfc \uc138\uc561\uacf5\uc81c\uac00 \ud070 \ubaa9\uc801\uc785\ub2c8\ub2e4. \ub2e8\uc810\uc740 \uc6d0\uae08\uc190\uc2e4 \uac00\ub2a5\uc131\uacfc \uc911\ub3c4\uc778\ucd9c \ubc0f \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uc7a5\uae30\uac04 \ud22c\uc790\ud558\uc5ec \uc218\uc775\uc744 \ub0b4\ub294 \uc548\uc815\uc801\uc778 \uc0c1\ud488\uc73c\ub85c \ud22c\uc790\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc6b0\ub9ac\uc758 \ub178\ud6c4\ub300\ube44\uc790\uae08\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud65c\uc6a9 \ubc29\ubc95\uc5d0\uc11c\ub294 \ud2b9\uc815 \uc2dc\uc810\uc758 \ud22c\uc790 \ubc29\ubc95\uacfc \uc138\uae08\uc744 \uc544\ub084 \uc218 \uc788\ub294 \ud301 \ub4f1\uc744 \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc808\uc138 \ub610\ud55c \ud22c\uc790\uc758 \ubc29\uc2dd\uc774\uba70 \ub9e4\uc6b0 \uc911\uc694\ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<p>\uaf2d \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub85c\ub9cc \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub97c \ud65c\uc6a9\ud560 \ud544\uc694\ub294 \uc5c6\uc73c\uba70 \ud22c\uc790 \uc131\ud5a5\uc774 \ub9de\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8\uc73c\ub85c \ud558\uc154\ub3c4 \uc0c1\uad00\uc5c6\uc2b5\ub2c8\ub2e4. \ubcf8 \ud3ec\uc2a4\ud305\uc740 \ud22c\uc790 \uac15\uc694\uc758 \ubaa9\uc801\uc740 \uc5c6\uc73c\uba70 \uc815\ubcf4 \uc81c\uacf5\uc758 \ubaa9\uc801\uc73c\ub85c \uc4f0\uc5ec\uc9c4 \uae00\uc785\ub2c8\ub2e4. \ud22c\uc790\uc758 \ucc45\uc784\uc740 100% \ubcf8\uc778\uc5d0\uac8c \uc788\ub2e4\ub294 \uc810\uc744 \uc54c\ub824\ub4dc\ub9bd\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<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc774\ubc88 \ud3ec\uc2a4\ud305\uc758 \uc8fc\uc81c\uc778 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub178\ud6c4\ub300\ube44\uc790\uae08\uc744 \ud615\uc131\ud558\ub294 \uac83\uc774 \uc8fc\ubaa9\uc801\uc774\uba74\uc11c \uc138\uc81c\ud61c\ud0dd \ud6a8\uacfc\ub3c4 \ub204\ub9b4 \uc218 \uc788\ub294 \ud22c\uc790 \uc0c1\ud488\uc785\ub2c8\ub2e4.\u00a0 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \ud22c\uc790 \uc885\ub958\uc778 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc758 \uc7a5\uc810\uacfc \ub2e8\uc810, \ud22c\uc790\ud558\ub294 \uc774\uc720, \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub97c \uc774\uc6a9\ud558\uc5ec \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub178\ud6c4\ub300\ube44\uc790\uae08\ub9cc \ud615\uc131\ud574\uc11c \uc138\uc561\uacf5\uc81c \ubc1b\uc73c\uba74\uc11c \uc5f0\ub9d0\uc815\uc0b0\uc5d0 \ud658\uae09 \ubc1b\uace0 \uc740\ud1f4 \ud6c4\uc5d0 \uc5f0\uae08\ub9cc \ubc1b\uc73c\uba74 \ub418\ub294 \uac70 \uc544\ub2cc\uac00?\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\uc774 \uacc4\uc2e4\uac81\ub2c8\ub2e4. \uadf8 \uc815\ub3c4\ub9cc \ud558\uace0 &#8230; <a title=\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c) \uc7a5\ub2e8\uc810, \ud22c\uc790 \uc774\uc720 2\uac00\uc9c0, \ud65c\uc6a9 \ubc29\ubc95\" class=\"read-more\" href=\"https:\/\/finance-bepang.com\/economy\/%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ed%8e%80%eb%93%9c%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%9e%a5%eb%8b%a8%ec%a0%90-%ed%88%ac%ec%9e%90-%ec%9d%b4%ec%9c%a0-2%ea%b0%80%ec%a7%80\/\" aria-label=\"More on \uc5f0\uae08\uc800\ucd95\ud380\ub4dc(\uc5f0\uae08\uc800\ucd95\uacc4\uc88c) \uc7a5\ub2e8\uc810, \ud22c\uc790 \uc774\uc720 2\uac00\uc9c0, \ud65c\uc6a9 \ubc29\ubc95\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":616,"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\/09\/%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C-%EC%8D%B8%EB%84%A4%EC%9D%BC-e1693574766753.jpg?fit=500%2C209&ssl=1","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/613"}],"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=613"}],"version-history":[{"count":6,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/613\/revisions"}],"predecessor-version":[{"id":620,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/posts\/613\/revisions\/620"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/media\/616"}],"wp:attachment":[{"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/media?parent=613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/categories?post=613"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance-bepang.com\/wp-json\/wp\/v2\/tags?post=613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}