{"id":101,"date":"2026-05-14T15:42:47","date_gmt":"2026-05-14T06:42:47","guid":{"rendered":"https:\/\/jusikrank.pe.kr\/?p=101"},"modified":"2026-05-14T15:42:47","modified_gmt":"2026-05-14T06:42:47","slug":"%ec%b2%ab-%ec%a7%81%ec%9e%a5-%ed%87%b4%ec%a7%81%ea%b8%88-%ec%96%b4%eb%96%bb%ea%b2%8c-%ec%8c%93%ec%9d%b4%eb%8a%94%ec%a7%80-irp-%ec%97%b0%eb%8f%99-%ec%99%84%ec%a0%84-%ec%84%a4%eb%aa%85","status":"publish","type":"post","link":"https:\/\/jusikrank.pe.kr\/?p=101","title":{"rendered":"\uccab \uc9c1\uc7a5 \ud1f4\uc9c1\uae08 \uc5b4\ub5bb\uac8c \uc313\uc774\ub294\uc9c0: IRP \uc5f0\ub3d9 \uc644\uc804 \uc124\uba85"},"content":{"rendered":"
\n

\n\uc785\uc0ac\ud560 \ub54c \ud1f4\uc9c1\uae08\uc5d0 \ub300\ud574 \uc0dd\uac01\ud558\ub294 \uc0ac\ub78c\uc740 \ub9ce\uc9c0 \uc54a\ub2e4.
\n\ub098\ub3c4 \uadf8\ub7ac\ub2e4. \ud1f4\uc9c1\uae08\uc774 \ubb54\uc9c0 \ub300\ucda9\uc740 \uc54c\uaca0\ub294\ub370, \uc5b4\ub5bb\uac8c \uc313\uc774\ub294\uc9c0,
\n\ud1f4\uc9c1\ud560 \ub54c \uc5b4\ub514\ub85c \ub4e4\uc5b4\uc624\ub294\uc9c0, IRP\uac00 \ubb54\uc9c0 \u2014 \uc804\ud600 \ubab0\ub790\ub2e4.
\n\uccab \ubc88\uc9f8 \uc9c1\uc7a5\uc5d0 1\ub144 \uc880 \ub118\uac8c \ub2e4\ub2c8\ub2e4 \uc774\uc9c1\ud560 \ub54c \ucc98\uc74c\uc73c\ub85c \ud1f4\uc9c1\uae08 \uc598\uae30\uac00 \ub098\uc654\uace0,
\n\uadf8\ub54c \ucc98\uc74c\uc73c\ub85c \ucc3e\uc544\ubd24\ub2e4. \uadf8\ub7f0\ub370 \uc0dd\uac01\ubcf4\ub2e4 \ubab0\ub790\ub358 \uac8c \ub9ce\uc558\ub2e4.\n<\/p>\n

\"\ud1f4\uc9c1\uae08<\/figure>\n

\n\ud1f4\uc9c1\uae08\uc740 \uadf8\ub0e5 \ubaa8\uc774\ub294 \uac8c \uc544\ub2c8\ub2e4. \uc5b4\ub5a4 \uc81c\ub3c4 \uc544\ub798 \uc788\ub290\ub0d0\uc5d0 \ub530\ub77c \uc6b4\uc6a9 \ubc29\uc2dd\uc774 \ub2e4\ub974\uace0,
\n\ud1f4\uc9c1\ud560 \ub54c IRP \uacc4\uc88c\ub85c \ubb34\uc870\uac74 \uc774\uc804\ub41c\ub2e4\ub294 \uc0ac\uc2e4\ub3c4 2022\ub144\ubd80\ud130 \ubc14\ub010 \ub0b4\uc6a9\uc774\ub77c \ubaa8\ub974\ub294 \uc0ac\ub78c\uc774 \ub9ce\ub2e4.
\n\uc785\uc0ac \ud6c4 \ube60\ub974\uba74 \uba87 \ub2ec \uc548\uc5d0 \uc54c\uc544\ub450\ub294 \uac8c \ub098\uc911\uc5d0 \ud6e8\uc52c \uc720\ub9ac\ud558\ub2e4.\n<\/p>\n

\n\ud1f4\uc9c1\uae08, \uc5bc\ub9c8\ub098 \uc313\uc774\ub294\uac00: \uae30\ubcf8 \uacc4\uc0b0 \uacf5\uc2dd<\/h2>\n

\n\ud1f4\uc9c1\uae08 \uacc4\uc0b0 \uacf5\uc2dd\uc740 \uc0dd\uac01\ubcf4\ub2e4 \ub2e8\uc21c\ud558\ub2e4.\n<\/p>\n

\n

\n\ud1f4\uc9c1\uae08 = 30\uc77c\ubd84 \ud3c9\uade0\uc784\uae08<\/span> \u00d7 \uc7ac\uc9c1\uc5f0\uc218<\/span>
\n= (\ucd5c\uadfc 3\uac1c\uc6d4 \ucd1d \uae09\uc5ec \ud569\uacc4 \u00f7 \ud574\ub2f9 \uae30\uac04 \uc77c\uc218) \u00d7 30 \u00d7 \uc7ac\uc9c1\uc5f0\uc218<\/span>\n<\/p>\n<\/div>\n

\n\uc27d\uac8c \ub9d0\ud558\uba74 \uc6d4\uae09\uc758 1\uac1c\uc6d4 \uce58\ub97c 1\ub144\ub9c8\ub2e4 \ubc1b\ub294 \uad6c\uc870<\/strong>\ub2e4.
\n\uc6d4 \uc2e4\uc218\ub839\uc774 \uc544\ub2c8\ub77c \uc138\uc804 \ud3c9\uade0\uc784\uae08 \uae30\uc900\uc774\ub77c\ub294 \uc810\uc774 \uc911\uc694\ud558\ub2e4.
\n\uae30\ubcf8\uae09\ubfd0 \uc544\ub2c8\ub77c \uc0c1\uc5ec\uae08\u00b7\uc218\ub2f9\ub3c4 \ud3ec\ud568\ub41c \uae08\uc561\uc73c\ub85c \uacc4\uc0b0\ud55c\ub2e4.\n<\/p>\n

\n\uc608\ub97c \ub4e4\uc5b4 \uc6d4 \uc138\uc804 250\ub9cc\uc6d0\uc744 \ubc1b\ub294 \uc0ac\ub78c\uc774 3\ub144 \uadfc\ubb34\ud558\uba74 \ud1f4\uc9c1\uae08\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4:\n<\/p>\n

\n\ud3c9\uade0\uc784\uae08 = (250\ub9cc\uc6d0 \u00d7 3\uac1c\uc6d4) \u00f7 91\uc77c = 82,418\uc6d0\/\uc77c
\n30\uc77c\ubd84 \ud3c9\uade0\uc784\uae08 = 82,418 \u00d7 30 = 2,472,527\uc6d0
\n\ud1f4\uc9c1\uae08 = 2,472,527 \u00d7 3\ub144 = 7,417,582\uc6d0 (\uc57d 742\ub9cc\uc6d0)<\/strong>\n<\/div>\n

\n\uc5f0\ubd09 \uc778\uc0c1\uc774 \uc5c6\ub2e4\uace0 \uac00\uc815\ud588\uc744 \ub54c \uc598\uae30\ub2e4. \uc5f0\ubd09\uc774 \uc624\ub97c\uc218\ub85d \ub9c8\uc9c0\ub9c9 3\uac1c\uc6d4 \ud3c9\uade0\uc784\uae08\uc774 \ub192\uc544\uc9c0\uae30 \ub54c\ubb38\uc5d0
\n\uc2e4\uc81c \ud1f4\uc9c1\uae08\uc740 \uc774\ubcf4\ub2e4 \ub354 \ub9ce\uc744 \uc218 \uc788\ub2e4.
\n\ubc18\ub300\ub85c \ud1f4\uc9c1 \uc9c1\uc804\uc5d0 \uae09\uc5ec\uac00 \uc904\uac70\ub098 \ubb34\uae09\ud734\uc9c1\uc774 \uc788\uc5c8\ub2e4\uba74 \ub354 \uc801\uac8c \ub098\uc62c \uc218\ub3c4 \uc788\ub2e4.\n<\/p>\n

\"\uc7ac\uc9c1
\u25b2 \uc7ac\uc9c1 \uae30\uac04\ubcc4 \ud1f4\uc9c1\uae08 \ub204\uc801(\uc88c)\uacfc \ud1f4\uc9c1\uae08 1,000\ub9cc\uc6d0 \uae30\uc900 \uc218\ub839 \ubc29\uc2dd\ubcc4 \uc138\uae08 \ube44\uad50(\uc6b0)<\/figcaption><\/figure>\n

\n1\ub144 \ubbf8\ub9cc \uadfc\ubb34\ud558\uba74 \ud1f4\uc9c1\uae08\uc774 \uc5c6\ub2e4: \ub531 1\ub144\uc744 \ucc44\uc6cc\uc57c \ud55c\ub2e4<\/h2>\n

\n\ud1f4\uc9c1\uae08\uc740 \uacc4\uc18d \uadfc\ub85c\uae30\uac04\uc774 1\ub144 \uc774\uc0c1\uc778 \uacbd\uc6b0\uc5d0\ub9cc \ubc1c\uc0dd\ud55c\ub2e4.
\n\ub2e8 \ud558\ub8e8\uac00 \uc9e7\uc544\ub3c4 \ubc95\uc801\uc73c\ub85c \ud1f4\uc9c1\uae08 \uccad\uad6c\uad8c\uc774 \uc0dd\uae30\uc9c0 \uc54a\ub294\ub2e4.
\n\uc785\uc0ac\uc77c \uae30\uc900\uc73c\ub85c \ub531 365\uc77c(1\ub144)\uc744 \ub118\uae30\ub294 \uc2dc\uc810\ubd80\ud130 \uad8c\ub9ac\uac00 \uc0dd\uae34\ub2e4.\n<\/p>\n

\n\uc774\uc9c1\uc744 \uace0\ub824\ud560 \ub54c \uc774 \ubd80\ubd84\uc774 \uc0dd\uac01\ubcf4\ub2e4 \uc911\uc694\ud558\uac8c \uc791\uc6a9\ud55c\ub2e4.
\n\uc608\ub97c \ub4e4\uc5b4 9\uac1c\uc6d4 \ub9cc\uc5d0 \uc88b\uc740 \uc774\uc9c1 \uae30\ud68c\uac00 \uc0dd\uacbc\uc744 \ub54c,
\n3\uac1c\uc6d4\uc744 \ub354 \ubc84\ud2f0\uba74 \ud1f4\uc9c1\uae08 \uc57d 250\ub9cc\uc6d0(\uc6d4\uae09 1\uac1c\uc6d4\uce58)\uc774 \uc0dd\uae30\ub294 \uc148\uc774\ub2e4.
\n\uc774\uc9c1 \ud0c0\uc774\ubc0d\uc744 \uace0\ub97c \uc218 \uc788\ub2e4\uba74 \uc785\uc0ac 1\uc8fc\ub144 \uc774\ud6c4\ub85c \uc7a1\ub294 \uac8c \ud604\uc2e4\uc801\uc73c\ub85c \uc720\ub9ac\ud558\ub2e4.\n<\/p>\n

\nDB\ud615 vs DC\ud615: \uc5b4\ub290 \ucabd\uc774 \ub0b4 \ud1f4\uc9c1\uae08\uc778\uac00<\/h2>\n

\n\uc785\uc0ac\ud560 \ub54c \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4\ub97c \uc120\ud0dd\ud558\uac70\ub098, \ud68c\uc0ac\uc5d0\uc11c \uc9c0\uc815\ud55c \ubc29\uc2dd\uc774 \uc788\ub2e4.
\n\ud06c\uac8c DB\ud615(\ud655\uc815\uae09\uc5ec\ud615)\uacfc DC\ud615(\ud655\uc815\uae30\uc5ec\ud615)\uc73c\ub85c \ub098\ub258\ub294\ub370, \uc774 \ub458\uc740 \uaf64 \ub2e4\ub974\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n\n\n
\uad6c\ubd84<\/th>\nDB\ud615 (\ud655\uc815\uae09\uc5ec\ud615)<\/th>\nDC\ud615 (\ud655\uc815\uae30\uc5ec\ud615)<\/th>\n<\/tr>\n<\/thead>\n
\uc6b4\uc6a9 \uc8fc\uccb4<\/td>\n\ud68c\uc0ac\uac00 \uc6b4\uc6a9<\/td>\n\uadfc\ub85c\uc790\uac00 \uc9c1\uc811 \uc6b4\uc6a9<\/td>\n<\/tr>\n
\uc801\ub9bd\uc561<\/td>\n\ud68c\uc0ac\uac00 \ubcc4\ub3c4 \uc801\ub9bd<\/td>\n\uc5f0\ubd09\uc758 1\/12\uc529 \ub9e4\ub2ec \ub0b4 \uacc4\uc88c\uc5d0 \uc785\uae08<\/td>\n<\/tr>\n
\ud1f4\uc9c1\uae08 \uae08\uc561<\/td>\n\ud1f4\uc9c1 \uc2dc \ud3c9\uade0\uc784\uae08 \uae30\uc900 \ud655\uc815<\/td>\n\ub0b4 \uc6b4\uc6a9 \uc2e4\uc801\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d0<\/td>\n<\/tr>\n
\uc5f0\ubd09 \uc778\uc0c1 \ud61c\ud0dd<\/td>\n\ub9c8\uc9c0\ub9c9 \uae09\uc5ec \uae30\uc900 \u2192 \uc720\ub9ac<\/td>\n\uc778\uc0c1\ubd84 \ubc18\uc601 \uc5c6\uc74c (\uc774\ubbf8 \uc785\uae08\ub41c \uae08\uc561 \uae30\uc900)<\/td>\n<\/tr>\n
\ud22c\uc790 \uc218\uc775<\/td>\n\ud68c\uc0ac \ubaab (\ub0b4\uac00 \uac00\uc838\uac00\uc9c0 \uc54a\uc74c)<\/td>\n\ub0b4 \uc218\uc775\uc774 \ub428<\/td>\n<\/tr>\n
\uc5f0\ubd09 \uc0ad\uac10 \ub9ac\uc2a4\ud06c<\/td>\n\uc5f0\ubd09 \uae4e\uc774\uba74 \ud1f4\uc9c1\uae08\ub3c4 \uc904\uc5b4\ub4e4 \uc218 \uc788\uc74c<\/td>\n\uae30 \uc785\uae08\ub41c \uae08\uc561\uc740 \ubcf4\ud638\ub428<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\uc5f0\ubd09\uc774 \ube60\ub974\uac8c \uc624\ub974\ub294 \ud68c\uc0ac\ub77c\uba74 DB\ud615\uc774 \uc720\ub9ac\ud558\uace0,
\n\ubcf8\uc778\uc774 \ud22c\uc790\uc5d0 \uad00\uc2ec \uc788\uac70\ub098 \uc774\uc9c1\uc774 \uc7a6\uc744 \uac83 \uac19\ub2e4\uba74 DC\ud615\uc774 \ub354 \uc720\ub9ac\ud560 \uc218 \uc788\ub2e4.
\n\ub300\uae30\uc5c5\uc740 \ubcf4\ud1b5 DB\ud615\uc774 \uae30\ubcf8\uc774\uace0, \uc911\uc18c\uae30\uc5c5\uc740 DC\ud615\uc774\ub098 \ubc95\uc815 \ud1f4\uc9c1\uae08 \ubc29\uc2dd\uc778 \uacbd\uc6b0\uac00 \ub9ce\ub2e4.
\n\uc785\uc0ac\ud560 \ub54c \uc5b4\ub5a4 \ubc29\uc2dd\uc778\uc9c0 \uc778\uc0ac\ud300\uc5d0 \uaf2d \ud655\uc778\ud574\ub450\ub294 \uac8c \uc88b\ub2e4.\n<\/p>\n

\n2022\ub144\ubd80\ud130 \ub2ec\ub77c\uc9c4 \uac83: \ud1f4\uc9c1\uae08\uc740 IRP\ub85c \ubb34\uc870\uac74 \ub4e4\uc5b4\uc628\ub2e4<\/h2>\n

\n2022\ub144 4\uc6d4 \uc774\uc804\uc5d0\ub294 \ud1f4\uc9c1\uae08\uc744 \ubcf8\uc778 \uc77c\ubc18 \ud1b5\uc7a5\uc73c\ub85c \ubc1b\uc744 \uc218 \uc788\uc5c8\ub2e4.
\n\uc9c0\uae08\uc740 \ub2e4\ub974\ub2e4. 55\uc138 \ubbf8\ub9cc \uadfc\ub85c\uc790\ub294 \ud1f4\uc9c1\uae08\uc744 \ubc18\ub4dc\uc2dc IRP(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08) \uacc4\uc88c\ub85c \ubc1b\uc544\uc57c \ud55c\ub2e4.
\n\ud1f4\uc9c1 \ud6c4 14\uc77c \uc774\ub0b4\uc5d0 IRP \uacc4\uc88c\ub85c \uc785\uae08\ub418\ub294 \uac8c \uc6d0\uce59\uc774\ub2e4.
\nIRP \uacc4\uc88c\uac00 \uc5c6\uc73c\uba74 \uba3c\uc800 \ub9cc\ub4e4\uc5b4\uc57c \ubc1b\uc744 \uc218 \uc788\ub2e4.\n<\/p>\n

\n\uc608\uc678\uac00 \uc788\uae34 \ud558\ub2e4. \ud1f4\uc9c1\uae08\uc774 300\ub9cc\uc6d0 \uc774\ud558\uac70\ub098, 55\uc138 \uc774\uc0c1\uc774\uac70\ub098,
\n\uc0ac\ub9dd\u00b7\ud574\uc678 \uc774\uc8fc \ub4f1 \ud2b9\uc218\ud55c \uc0ac\uc720\uc5d0 \ud574\ub2f9\ud558\uba74 \uc9c1\uc811 \uc218\ub839\uc774 \uac00\ub2a5\ud558\ub2e4.
\n\uc77c\ubc18\uc801\uc778 \uccab \uc9c1\uc7a5 \uc774\uc9c1 \uc0c1\ud669\uc774\ub77c\uba74 IRP \uc218\ub839\uc774 \uae30\ubcf8\uc774\ub77c\uace0 \ubcf4\uba74 \ub41c\ub2e4.\n<\/p>\n

\"\ud1f4\uc9c1\uae08
\u25b2 \ud1f4\uc9c1\uae08\uc774 IRP\ub85c \ud758\ub7ec\uac00\ub294 \uacbd\ub85c \u2014 2022\ub144 4\uc6d4\ubd80\ud130 \uc758\ubb34\ud654<\/figcaption><\/figure>\n

\nIRP \uacc4\uc88c, \ud1f4\uc9c1\uae08 \ub4e4\uc5b4\uc624\uba74 \uc5b4\ub5bb\uac8c \ub418\ub294\uac00<\/h2>\n

\nIRP \uacc4\uc88c\uc5d0 \ud1f4\uc9c1\uae08\uc774 \ub4e4\uc5b4\uc624\uba74 \uc138 \uac00\uc9c0 \uc120\ud0dd\uc9c0\uac00 \uc0dd\uae34\ub2e4.\n<\/p>\n

\n\u2460 \uadf8\ub0e5 \ub194\ub450\uae30 (\ud604\uae08 \ub610\ub294 \uc6d0\ub9ac\uae08 \ubcf4\uc7a5 \uc0c1\ud488)<\/strong>
\n\uc544\ubb34\uac83\ub3c4 \uc548 \ud558\uba74 IRP \uacc4\uc88c \ub0b4 \uae30\ubcf8 \uc0c1\ud488(\ubcf4\ud1b5 \uc6d0\ub9ac\uae08 \ubcf4\uc7a5 \uc608\uae08 \ub4f1)\uc5d0 \uadf8\ub0e5 \uc313\uc778\ub2e4.
\n\uc548\uc804\ud558\uc9c0\ub9cc \uc218\uc775\uc774 \uac70\uc758 \uc5c6\ub2e4.\n<\/p>\n

\n\u2461 ETF\u00b7\ud380\ub4dc\ub85c \uc6b4\uc6a9<\/strong>
\nIRP \uacc4\uc88c \ub0b4\uc5d0\uc11c ETF\ub098 \ud380\ub4dc\ub97c \ub9e4\uc218\ud560 \uc218 \uc788\ub2e4.
\n\uc6b4\uc6a9 \uc218\uc775\uc740 \ube44\uacfc\uc138\uac00 \uc544\ub2c8\ub77c \uc138\uae08 \uc774\uc5f0\uc778\ub370, 55\uc138 \uc774\ud6c4 \uc5f0\uae08\uc73c\ub85c \ubc1b\uc744 \ub54c \uc800\uc728 \ubd84\ub9ac\uacfc\uc138\uac00 \uc801\uc6a9\ub41c\ub2e4.
\n\uc5f0\uae08 \uc218\ub839 \uc2dc \uc138\uc728\uc740 \uc5f0 1,200\ub9cc\uc6d0 \uc774\ud558\uba74 3.3~5.5% \uc218\uc900\uc73c\ub85c \uc77c\ubc18 \uae08\uc735\uc18c\ub4dd\uc138(15.4%)\ubcf4\ub2e4 \ud6e8\uc52c \ub0ae\ub2e4.\n<\/p>\n

\n\u2462 \uc911\ub3c4 \ud574\uc9c0 (\uc77c\uc2dc\uae08 \uc218\ub839)<\/strong>
\nIRP\ub97c \ud574\uc9c0\ud574\uc11c \uc9c0\uae08 \ub2f9\uc7a5 \ud1f4\uc9c1\uae08\uc744 \uc4f0\ub294 \uac83\ub3c4 \uac00\ub2a5\ud558\ub2e4.
\n\ub2e4\ub9cc \uc774\ub54c\ub294 \ud1f4\uc9c1\uc18c\ub4dd\uc138\ub97c \ub2e4\uc2dc \ub0b4\uc57c \ud558\uace0, IRP \uc138\uc81c \ud61c\ud0dd\ub3c4 \uc0ac\ub77c\uc9c4\ub2e4.
\n\uc815\ub9d0 \uae09\ud55c \uacbd\uc6b0\uac00 \uc544\ub2c8\ub77c\uba74 \uc911\ub3c4 \ud574\uc9c0\ub294 \ucd5c\ud6c4\uc758 \uc218\ub2e8\uc73c\ub85c \ubd10\uc57c \ud55c\ub2e4.\n<\/p>\n

\n

\n\u26a0\ufe0f IRP \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc138\uae08 \uad6c\uc870<\/strong>
\n\u2022 \ud1f4\uc9c1\uc18c\ub4dd\uc138: \uadfc\uc18d\uc5f0\uc218\u00b7\ud1f4\uc9c1\uae08 \uaddc\ubaa8\uc5d0 \ub530\ub77c \ub2e4\ub984 (\ubcf4\ud1b5 \uc218\ubc31 ~ \uc218\ucc9c\ub9cc\uc6d0 \uaddc\ubaa8\ub77c\uba74 0~\uc218\ubc31\ub9cc\uc6d0 \uc218\uc900)
\n\u2022 \uae30\ud0c0\uc18c\ub4dd\uc138: IRP \ub0b4 \uc6b4\uc6a9 \uc218\uc775\uc5d0 \ub300\ud574 16.5%<\/strong> \uc9d5\uc218
\n\u2022 \uc138\uae08 \uc774\uc5f0 \ud61c\ud0dd \ucde8\uc18c \u2192 \uc808\uc138 \ud6a8\uacfc \uc5c6\uc5b4\uc9d0<\/p>\n

\u2192 \uc774\uc9c1 \uae30\uac04\uc774 \uc9e7\ub354\ub77c\ub3c4, \ub2e4\uc74c \uc9c1\uc7a5\uc5d0 IRP\ub97c \uadf8\ub300\ub85c \uc720\uc9c0\ud558\uac70\ub098 \uc0c8 \ud68c\uc0ac \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c\ub85c \uc774\uc804\ud558\ub294 \uac8c \uc720\ub9ac<\/em>\n<\/p>\n<\/div>\n

\nIRP \uacc4\uc88c \uc5f0\uae08\uc800\ucd95 \ub0a9\uc785\uacfc \ud5f7\uac08\ub9ac\uba74 \uc548 \ub418\ub294 \uc774\uc720<\/h2>\n

\nIRP \uacc4\uc88c\ub294 \ub450 \uac00\uc9c0 \ubaa9\uc801\uc73c\ub85c \uc0ac\uc6a9\ub41c\ub2e4.
\n\ud558\ub098\ub294 \ud1f4\uc9c1\uae08\uc744 \ubc1b\ub294 \ud1b5\ub85c, \ub2e4\ub978 \ud558\ub098\ub294 \uac1c\uc778\uc774 \uc9c1\uc811 \ub0a9\uc785\ud574\uc11c \uc5f0\ub9d0\uc815\uc0b0 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\ub294 \uc218\ub2e8\uc774\ub2e4.\n<\/p>\n

\n\uc774 \ub450 \uac00\uc9c0\ub97c \uac19\uc740 IRP \uacc4\uc88c\uc5d0\uc11c \uc6b4\uc6a9\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc6d0\ucc9c\uc740 \uad6c\ubd84\ub41c\ub2e4.
\n\ud1f4\uc9c1\uae08\uc73c\ub85c \ub4e4\uc5b4\uc628 \ub3c8\uacfc \ubcf8\uc778\uc774 \uc790\ubc1c\uc801\uc73c\ub85c \ub0a9\uc785\ud55c \ub3c8\uc740 \uc138\uae08 \ucc98\ub9ac\uac00 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0
\n\ub098\uc911\uc5d0 \uc218\ub839\ud560 \ub54c \uad6c\ubd84\uc774 \ud544\uc694\ud558\ub2e4.\n<\/p>\n

\n\uc27d\uac8c \uc815\ub9ac\ud558\uba74:\n<\/p>\n

\n

\nIRP \uacc4\uc88c \ud65c\uc6a9 \uc815\ub9ac<\/strong>
\n\u2022 \ud1f4\uc9c1\uae08 \uc218\ub839 \ud1b5\ub85c \u2192 \ud1f4\uc9c1 \uc2dc \uc790\ub3d9 \uc774\uc804, \uc6b4\uc6a9 or \uc720\uc9c0 \uc120\ud0dd
\n\u2022 \uac1c\uc778 \ub0a9\uc785 (\uc5f0\uac04 \ucd5c\ub300 1,800\ub9cc\uc6d0, \uc5f0\uae08\uc800\ucd95 \ud3ec\ud568 700\ub9cc\uc6d0 \ud55c\ub3c4 \uc138\uc561\uacf5\uc81c) \u2192 \uc5f0\ub9d0\uc815\uc0b0 \ud658\uae09 \ubaa9\uc801
\n\u2022 \ub450 \uae08\uc561 \ubaa8\ub450 \uac19\uc740 \uacc4\uc88c\uc5d0\uc11c \uc6b4\uc6a9 \uac00\ub2a5\ud558\uc9c0\ub9cc, \uc218\ub839 \uc2dc \uacfc\uc138 \ubc29\uc2dd\uc774 \ub2e4\ub984
\n\u2022 \ud1f4\uc9c1\uae08\uc740 \ud1f4\uc9c1\uc18c\ub4dd\uc138 \uc774\uc5f0 \/ \uac1c\uc778 \ub0a9\uc785\uae08\uc740 \uc5f0\uae08\uc18c\ub4dd\uc138(3.3~5.5%) \ub610\ub294 \uae30\ud0c0\uc18c\ub4dd\uc138(16.5%)\n<\/p>\n<\/div>\n

\n\uc785\uc0ac \ucd08\uae30\uc5d0 \ud574\uc57c \ud560 \ud1f4\uc9c1\uae08 \uad00\ub828 \ud589\ub3d9 3\uac00\uc9c0<\/h2>\n

\n\ubcf5\uc7a1\ud558\uac8c \uc0dd\uac01\ud558\uc9c0 \ub9d0\uace0 \uc785\uc0ac \uccab \ub2ec\uc5d0 \ub531 \uc138 \uac00\uc9c0\ub9cc \ucc59\uae30\uba74 \ub41c\ub2e4.\n<\/p>\n

\n\uccab\uc9f8, \ub0b4 \ud68c\uc0ac \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4\uac00 DB\ud615\uc778\uc9c0 DC\ud615\uc778\uc9c0 \ud655\uc778\ud55c\ub2e4.<\/strong>
\n\uc778\uc0ac\ud300 \ub610\ub294 \uc785\uc0ac \uc11c\ub958\uc5d0 \uc801\ud600 \uc788\ub2e4. \ubaa8\ub974\uba74 \ubb3c\uc5b4\ubcf4\uba74 \ub41c\ub2e4.
\nDC\ud615\uc774\ub77c\uba74 \ub0b4 \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c\uc5d0 \ub9e4\ub2ec \uc5bc\ub9c8\uc529 \ub4e4\uc5b4\uc624\ub294\uc9c0, \uc5b4\ub5a4 \uc0c1\ud488\uc73c\ub85c \uc6b4\uc6a9 \uc911\uc778\uc9c0 \ud655\uc778\ud574\ub450\uc790.\n<\/p>\n

\n\ub458\uc9f8, IRP \uacc4\uc88c\ub97c \ubbf8\ub9ac \ub9cc\ub4e4\uc5b4\ub450\uc790.<\/strong>
\n\ud1f4\uc9c1 \uc2dc IRP \uacc4\uc88c\uac00 \uc5c6\uc73c\uba74 \uc785\uae08\uc774 \uc9c0\uc5f0\ub420 \uc218 \uc788\ub2e4.
\n\ub098\uc911\uc5d0 \uae09\ud558\uac8c \ub9cc\ub4e4\uba74 \ubc88\uac70\ub86d\ub2e4. \uc5b4\ub290 \uc99d\uad8c\uc0ac\ub098 \uc740\ud589\uc5d0\uc11c\ub3c4 \ubb34\ub8cc\ub85c \uac1c\uc124 \uac00\ub2a5\ud558\ub2e4.
\n\uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \uc99d\uad8c\uc0ac IRP\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \uc720\ub9ac\ud558\ub2e4. (\uc99d\uad8c\uc0ac IRP\ub294 \ud22c\uc790 \uc0c1\ud488 \uc120\ud0dd \ud3ed\ub3c4 \ub113\ub2e4)\n<\/p>\n

\n\uc14b\uc9f8, DC\ud615\uc774\ub77c\uba74 \ubc29\uce58\ud558\uc9c0 \ub9d0\uace0 \uc0c1\ud488\uc744 \uc124\uc815\ud574\ub450\uc790.<\/strong>
\nDC\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc740 \uc9c0\uc815\ud55c \uc0c1\ud488 \uc5c6\uc774 \ub450\uba74 \uc6d0\ub9ac\uae08 \ubcf4\uc7a5 \uc0c1\ud488(\uc608\uae08 \uc218\uc900)\uc5d0 \uadf8\ub0e5 \uc313\uc778\ub2e4.
\nETF\ub098 \ud380\ub4dc\ub85c \uc6b4\uc6a9 \uc124\uc815\uc744 \ud574\ub450\uba74 \uc7a5\uae30\uc801\uc73c\ub85c \ud6e8\uc52c \ub354 \ub9ce\uc774 \uc313\uc77c \uc218 \uc788\ub2e4.
\n\ud1f4\uc9c1\uae4c\uc9c0 30\ub144\uc774 \ub0a8\uc558\ub2e4\uba74, \uac19\uc740 \uc6d0\uae08\uc774\ub77c\ub3c4 \uc6b4\uc6a9 \uc218\uc775\ub960 \ucc28\uc774\uac00 \ucd5c\uc885 \ud1f4\uc9c1\uae08\uc744 \ud06c\uac8c \ubc14\uafbc\ub2e4.\n<\/p>\n

\n\uccab \uc774\uc9c1\ud560 \ub54c \ud1f4\uc9c1\uae08 \ucc98\ub9ac \uc21c\uc11c<\/h2>\n

\n\uc774\uc9c1\uc744 \uacb0\uc815\ud588\uc744 \ub54c \ud1f4\uc9c1\uae08 \ucc98\ub9ac\ub294 \ub2e4\uc74c \uc21c\uc11c\ub85c \uc9c4\ud589\ub41c\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n\n
\ub2e8\uacc4<\/th>\n\ud560 \uc77c<\/th>\n\ub0b4\uc6a9<\/th>\n<\/tr>\n<\/thead>\n
\u2460<\/td>\n\ud1f4\uc9c1 \uc804 IRP \uacc4\uc88c \ud655\uc778<\/td>\n\ud1f4\uc9c1 \uc804 \uac1c\uc778 IRP \uacc4\uc88c \uac1c\uc124 \uc5ec\ubd80 \ud655\uc778 (\uc5c6\uc73c\uba74 \uba3c\uc800 \ub9cc\ub4e4\uae30)<\/td>\n<\/tr>\n
\u2461<\/td>\n\ud1f4\uc9c1\uae08 \uc774\uc804 \uacc4\uc88c \uc548\ub0b4<\/td>\n\ud68c\uc0ac \uc778\uc0ac\ud300\uc5d0 IRP \uacc4\uc88c\ubc88\ud638 \uc81c\ucd9c (\ud1f4\uc9c1 \ucc98\ub9ac \uc2dc \uc694\uccad)<\/td>\n<\/tr>\n
\u2462<\/td>\n\ud1f4\uc9c1\uae08 \uc785\uae08 \ud655\uc778<\/td>\n\ud1f4\uc9c1\uc77c\ub85c\ubd80\ud130 14\uc77c \uc774\ub0b4 IRP \uacc4\uc88c\uc5d0 \uc785\uae08\ub428 (\uc9c0\uc5f0 \uc2dc \uc774\uc790 \uccad\uad6c \uac00\ub2a5)<\/td>\n<\/tr>\n
\u2463<\/td>\n\uc6b4\uc6a9 \ubc29\uc2dd \uacb0\uc815<\/td>\n\ub2f9\uc7a5 \uc4f8 \uacc4\ud68d \uc5c6\uc73c\uba74 ETF \ub4f1\uc73c\ub85c \uc6b4\uc6a9 \/ \uae09\ud558\uba74 \uc911\ub3c4 \ud574\uc9c0 (\uc138\uae08 \uc8fc\uc758)<\/td>\n<\/tr>\n
\u2464<\/td>\n\uc0c8 \uc9c1\uc7a5 \ud1f4\uc9c1\uc5f0\uae08 \ud655\uc778<\/td>\n\uc0c8 \ud68c\uc0ac DC\ud615\uc774\uba74 \uae30\uc874 IRP\uc640 \ud1b5\ud569 \uc6b4\uc6a9 \uac00\ub2a5 (\ub610\ub294 \ubd84\ub9ac \uc720\uc9c0)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\ucc98\uc74c \uc774\uc9c1\ud560 \ub54c \ud1f4\uc9c1\uae08 \ucc98\ub9ac\uac00 \ub0af\uc124\uc5b4\uc11c \uadf8\ub0e5 \ud574\uc9c0\ud574\ubc84\ub9ac\ub294 \uc0ac\ub78c\ub4e4\uc774 \uc788\ub2e4.
\n\uc194\uc9c1\ud788 \ub098\ub3c4 \ucc98\uc74c\uc5d4 “\uadf8\ub0e5 \ubc1b\uc544\uc11c \uc4f0\uba74 \uc548 \ub418\ub098?”\ub77c\uace0 \uc0dd\uac01\ud588\ub2e4.
\n\ud558\uc9c0\ub9cc IRP\uc5d0 \ub194\ub450\uba74 \uadf8 \ub3c8\uc774 \ud22c\uc790 \uc218\uc775\uc744 \uc313\uc544\uac00\uba74\uc11c 55\uc138 \uc774\ud6c4 \uc5f0\uae08 \uc7ac\uc6d0\uc774 \ub41c\ub2e4.
\n\uc80a\uc744 \ub54c \ud1f4\uc9c1\uae08 200~300\ub9cc\uc6d0\uc744 ‘\uc6a9\ub3c8’\ucc98\ub7fc \uc368\ubc84\ub9ac\uba74, 30\ub144 \ub4a4\uc5d0 \uadf8\uac8c \uc5bc\ub9c8\ub85c \ubd88\uc5b4\ub0ac\uc744\uc9c0\ub97c \uc0dd\uac01\ud558\uba74 \uc544\uae5d\ub2e4.\n<\/p>\n

\n\ud575\uc2ec \uc815\ub9ac:<\/strong> \ud1f4\uc9c1\uae08\uc740 \uc6d4\uae09 1\uac1c\uc6d4\uce58 \u00d7 \uc7ac\uc9c1\uc5f0\uc218\ub85c \uacc4\uc0b0\ub41c\ub2e4.
\n2022\ub144 \uc774\ud6c4\ubd80\ud130 55\uc138 \ubbf8\ub9cc\uc740 IRP \uacc4\uc88c\ub85c\ub9cc \uc218\ub839 \uac00\ub2a5\ud558\uace0, \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc138\uae08\uc744 \ub0b8\ub2e4.
\nDC\ud615\uc774\uba74 \uc9c1\uc811 \uc6b4\uc6a9 \uc124\uc815\uc774 \uc911\uc694\ud558\uace0, \uc774\uc9c1 \ud6c4\uc5d0\ub3c4 IRP\uc5d0 \ub123\uc5b4\ub450\ub294 \uac8c \uc7a5\uae30\uc801\uc73c\ub85c \ud6e8\uc52c \uc774\ub4dd\uc774\ub2e4.
\n\uc785\uc0ac \uccab \ub2ec\uc5d0 \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4 \ud655\uc778 + IRP \uacc4\uc88c \uac1c\uc124 \ub450 \uac00\uc9c0\ub9cc \ud574\ub450\uba74 \ub098\uc911\uc5d0 \ub2f9\ud669\ud560 \uc77c\uc774 \uc5c6\ub2e4.\n<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

\uc785\uc0ac\ud560 \ub54c \ud1f4\uc9c1\uae08\uc5d0 \ub300\ud574 \uc0dd\uac01\ud558\ub294 \uc0ac\ub78c\uc740 \ub9ce\uc9c0 \uc54a\ub2e4. \ub098\ub3c4 \uadf8\ub7ac\ub2e4. \ud1f4\uc9c1\uae08\uc774 \ubb54\uc9c0 \ub300\ucda9\uc740 \uc54c\uaca0\ub294\ub370, \uc5b4\ub5bb\uac8c \uc313\uc774\ub294\uc9c0, \ud1f4\uc9c1\ud560 \ub54c \uc5b4\ub514\ub85c \ub4e4\uc5b4\uc624\ub294\uc9c0, IRP\uac00 \ubb54\uc9c0 \u2014 \uc804\ud600 \ubab0\ub790\ub2e4. \uccab \ubc88\uc9f8 \uc9c1\uc7a5\uc5d0 1\ub144 \uc880 \ub118\uac8c \ub2e4\ub2c8\ub2e4 \uc774\uc9c1\ud560 \ub54c \ucc98\uc74c\uc73c\ub85c \ud1f4\uc9c1\uae08 \uc598\uae30\uac00 \ub098\uc654\uace0, \uadf8\ub54c \ucc98\uc74c\uc73c\ub85c \ucc3e\uc544\ubd24\ub2e4. \uadf8\ub7f0\ub370 \uc0dd\uac01\ubcf4\ub2e4 \ubab0\ub790\ub358 \uac8c \ub9ce\uc558\ub2e4. \ud1f4\uc9c1\uae08\uc740 \uadf8\ub0e5 \ubaa8\uc774\ub294 \uac8c \uc544\ub2c8\ub2e4. \uc5b4\ub5a4 \uc81c\ub3c4 \uc544\ub798 \uc788\ub290\ub0d0\uc5d0 … \ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":98,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=101"}],"version-history":[{"count":0,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/101\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/media\/98"}],"wp:attachment":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}