{"id":105,"date":"2026-05-15T11:50:20","date_gmt":"2026-05-15T02:50:20","guid":{"rendered":"https:\/\/jusikrank.pe.kr\/?p=105"},"modified":"2026-05-15T11:50:20","modified_gmt":"2026-05-15T02:50:20","slug":"%ec%9b%94%ec%84%b8%c2%b7%ec%83%9d%ed%99%9c%eb%b9%84%c2%b7%ec%a0%80%ec%b6%95-%eb%b9%84%ec%9c%a8-%ec%96%b4%eb%96%bb%ea%b2%8c-%eb%82%98%eb%88%a0%ec%95%bc-%ed%95%98%eb%82%98-%ec%84%9c%ec%9a%b8-%ec%9e%90","status":"publish","type":"post","link":"https:\/\/jusikrank.pe.kr\/?p=105","title":{"rendered":"\uc6d4\uc138\u00b7\uc0dd\ud65c\ube44\u00b7\uc800\ucd95 \ube44\uc728 \uc5b4\ub5bb\uac8c \ub098\ub220\uc57c \ud558\ub098 (\uc11c\uc6b8 \uc790\ucde8 \uae30\uc900 \uc2e4\uc81c \uacc4\uc0b0)"},"content":{"rendered":"
\n

\n\ucc98\uc74c \ud63c\uc790 \uc0b4\uae30 \uc2dc\uc791\ud588\uc744 \ub54c \uc81c\uc77c \ub9c9\ub9c9\ud588\ub358 \uac8c \ubc14\ub85c \uc774 \ube44\uc728 \ubb38\uc81c\uc600\ub2e4.
\n\uc6d4\uc138\ub294 \uc5bc\ub9c8\uc9dc\ub9ac\ub97c \uad6c\ud574\uc57c \ud558\uace0, \uc2dd\ube44\ub294 \uc5bc\ub9c8\ub098 \uc368\uc57c \ud558\uace0, \uc800\ucd95\uc740 \uc5bc\ub9c8\ub97c \ud574\uc57c \uc801\ub2f9\ud55c \uac74\uc9c0 \u2014
\n\uc778\ud130\ub137\uc5d0 \uac80\uc0c9\ud558\uba74 “50-30-20 \ubc95\uce59”\uc774\ub77c\ub294 \ub9d0\uc774 \ub098\uc624\ub294\ub370,
\n\uc11c\uc6b8\uc5d0\uc11c \uc790\ucde8\ud558\uba74\uc11c \uadf8\uac8c \uadf8\ub300\ub85c \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uac78 \uc9c1\uc811 \uc0b4\uc544\ubcf4\uace0 \ub098\uc11c\uc57c \uc54c\uc558\ub2e4.\n<\/p>\n

\"\uc6d4\uc138<\/figure>\n

\n\uc774 \uae00\uc5d0\uc11c\ub294 \uc11c\uc6b8 \uc6d0\ub8f8 \uc790\ucde8 \uae30\uc900\uc73c\ub85c \uc2e4\uc81c\ub85c \uc6d4\uae09\uc758 \uba87 \ud37c\uc13c\ud2b8\uac00 \uc5b4\ub514\ub85c \ub098\uac00\ub294\uc9c0,
\n\uc6d4\uae09 \uc218\uc900\ubcc4\ub85c \ud604\uc2e4\uc801\uc778 \ube44\uc728\uc774 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c0\ub294\uc9c0 \uc9c1\uc811 \uacc4\uc0b0\ud574\ubd24\ub2e4.
\n“\ub0b4 \uc0c1\ud669\uc5d0 \ub9de\uac8c” \uae30\uc900\uc744 \uc138\uc6b0\ub294 \uac8c \ubaa9\ud45c\ub2e4. \uc815\ub2f5\uc774 \uc788\ub294 \uac8c \uc544\ub2c8\ub77c, \uc790\uae30 \uc22b\uc790\ub97c \uc544\ub294 \uac8c \uc911\uc694\ud558\ub2e4.\n<\/p>\n

\n\uba3c\uc800 50-30-20 \ubc95\uce59\uc774 \ubb54\uc9c0\ubd80\ud130<\/h2>\n

\n50-30-20 \ubc95\uce59\uc740 \ubbf8\uad6d\uc758 \ud30c\uc0b0\ubc95 \uc804\ubb38 \uad50\uc218 \uc5d8\ub9ac\uc790\ubca0\uc2a4 \uc6cc\ub7f0\uc774 \uc81c\uc548\ud55c \uac00\uacc4 \uc608\uc0b0 \uc6d0\uce59\uc774\ub2e4.
\n\uc138\ud6c4 \uc18c\ub4dd \uae30\uc900\uc73c\ub85c 50%\ub294 \ud544\uc218 \uc9c0\ucd9c(\uc8fc\uac70\u00b7\uc2dd\ube44\u00b7\uad50\ud1b5\u00b7\uacf5\uacfc\uae08), 30%\ub294 \uc5ec\uac00\uc640 \uc790\uae30\uacc4\ubc1c,
\n20%\ub294 \uc800\ucd95\uc774\ub098 \ubd80\ucc44 \uc0c1\ud658\uc5d0 \uc4f0\ub77c\ub294 \uc598\uae30\ub2e4.\n<\/p>\n

\n\uae54\ub054\ud55c \uc6d0\uce59\uc774\ub2e4. \uadfc\ub370 \uc5ec\uae30\uc11c \uc758\ubb38\uc774 \uc0dd\uae34\ub2e4 \u2014 \uc11c\uc6b8 \uc790\ucde8\uc0dd\ud55c\ud14c \uc774\uac8c \ub9de\ub294 \ube44\uc728\uc77c\uae4c?\n<\/p>\n

\n\uc6d4 \uc2e4\uc218\ub839 300\ub9cc\uc6d0 \uae30\uc900\uc73c\ub85c \ub2e8\uc21c \uacc4\uc0b0\ud558\uba74 \ud544\uc218 \uc9c0\ucd9c \ud55c\ub3c4\uac00 150\ub9cc\uc6d0\uc774\ub2e4.
\n\uc11c\uc6b8 \ub9c8\ud3ec\uad6c \uc6d0\ub8f8 \ud3c9\uade0 \uc6d4\uc138\uac00 \uad00\ub9ac\ube44 \ud3ec\ud568 62~68\ub9cc\uc6d0\uc778 \uac78 \uac10\uc548\ud558\uba74,
\n\ub098\uba38\uc9c0 \uc0dd\ud65c\ube44(\uc2dd\ube44\u00b7\uad50\ud1b5\u00b7\ud1b5\uc2e0\u00b7\uc758\ub8cc)\ub85c \uc4f8 \uc218 \uc788\ub294 \ub3c8\uc774 82~88\ub9cc\uc6d0\ubc16\uc5d0 \uc548 \ub41c\ub2e4.
\n\ud55c \ub2ec \uc2dd\ube44 50\ub9cc\uc6d0, \uad50\ud1b5 10\ub9cc\uc6d0, \ud1b5\uc2e0 4\ub9cc\uc6d0, \uac01\uc885 \uad6c\ub3c5\ub8cc\uc640 \uc704\uc0dd\uc6a9\ud488 \ub4f1\uc73c\ub85c 20\ub9cc\uc6d0 \uc7a1\uc73c\uba74
\n\uc774\ubbf8 84\ub9cc\uc6d0\uc774\ub2e4. \ub531 \ub9de\uac70\ub098 \uc0b4\uc9dd \ucd08\uacfc\ud55c\ub2e4.\n<\/p>\n

\n\uacb0\ub860\ubd80\ud130 \ub9d0\ud558\uc790\uba74, \uc11c\uc6b8 \uc790\ucde8\uc0dd \ud604\uc2e4\uc5d0\uc11c\ub294 \ud544\uc218 \uc9c0\ucd9c\uc774 50%\ub97c \ub118\ub294 \uacbd\uc6b0\uac00 \uc77c\ubc18\uc801\uc774\ub2e4.
\n50-30-20\uc774 \ub098\uc05c \uc6d0\uce59\uc740 \uc544\ub2cc\ub370, \uc11c\uc6b8 \uae30\uc900\uc73c\ub85c\ub294 \uc57d\uac04 \ud604\uc2e4\uacfc \uac70\ub9ac\uac00 \uc788\ub2e4.\n<\/p>\n

\n\uc11c\uc6b8 \uc790\ucde8 \uae30\uc900 \ud604\uc2e4 \ube44\uc728: 60-18-22<\/h2>\n

\n\ub0b4\uac00 \uc9c1\uc811 \uacc4\uc0b0\ud574\ubcf4\uace0 \uc8fc\ubcc0 \uc0ac\ub78c\ub4e4 \uc9c0\ucd9c \ud328\ud134\uc744 \ucc38\uace0\ud574\uc11c \ub9cc\ub4e0 \uc11c\uc6b8 \uc790\ucde8 \ud604\uc2e4 \ube44\uc728\uc774\ub2e4.
\n\uc6d4 \uc2e4\uc218\ub839 300\ub9cc\uc6d0 \uae30\uc900\uc774\uace0, \uc11c\uc6b8 \uc6d0\ub8f8(\ubcf4\uc99d\uae08 500~1,000\ub9cc\uc6d0, \uc6d4\uc138 55~65\ub9cc\uc6d0) \uac70\uc8fc \uac00\uc815\uc774\ub2e4.\n<\/p>\n

\n

\uc11c\uc6b8 \uc790\ucde8 \ud604\uc2e4 \ube44\uc728 (\uc6d4 300\ub9cc\uc6d0 \uae30\uc900)<\/p>\n

\n\ud544\uc218 \uc9c0\ucd9c 60%<\/strong> = 180\ub9cc\uc6d0
\n   \u2514 \uc6d4\uc138+\uad00\ub9ac\ube44 62\ub9cc\uc6d0 \/ \uc2dd\ube44 62\ub9cc\uc6d0 \/ \uad50\ud1b5 12\ub9cc\uc6d0 \/ \ud1b5\uc2e0 4\ub9cc\uc6d0 \/ \uae30\ud0c0 \uace0\uc815\ube44 20\ub9cc\uc6d0
\n\uc5ec\uac00\u00b7\uc5ec\uc720 18%<\/strong> = 54\ub9cc\uc6d0
\n   \u2514 \uc678\uc2dd\u00b7\uce74\ud398 20\ub9cc\uc6d0 \/ \uc1fc\ud551\u00b7\uc758\ub958 15\ub9cc\uc6d0 \/ \ubb38\ud654\u00b7\uc5ec\ud589 10\ub9cc\uc6d0 \/ \uae30\ud0c0 9\ub9cc\uc6d0
\n\uc800\ucd95\u00b7\ud22c\uc790 22%<\/strong> = 66\ub9cc\uc6d0
\n   \u2514 \ube44\uc0c1\uae08 \uc801\ub9bd 20\ub9cc\uc6d0 \/ \uccad\uc57d\uc800\ucd95 10\ub9cc\uc6d0 \/ ETF\u00b7\ud380\ub4dc or \uc801\uae08 36\ub9cc\uc6d0\n<\/p>\n<\/div>\n

\n\uc5ec\uae30\uc11c \uc911\uc694\ud55c \ud3ec\uc778\ud2b8\uac00 \uc788\ub2e4. \uc800\ucd95 22%(66\ub9cc\uc6d0)\ub294 \uad50\uacfc\uc11c 20%\ubcf4\ub2e4 \uc870\uae08 \ub192\ub2e4.
\n\uc11c\uc6b8\uc5d0\uc11c \ud544\uc218 \uc9c0\ucd9c\uc5d0 \ub354 \uc4f0\ub294 \ub300\uc2e0 \uc5ec\uac00\ub97c 30% \u2192 18%\ub85c \uc904\uc778 \uad6c\uc870\ub2e4.
\n\ucc98\uc74c\uc5d0\ub294 \uc5ec\uac00\ube44\ub97c 30% \uae30\uc900\uc73c\ub85c \uc37c\ub354\ub2c8 \uc800\ucd95\uc774 \uc0dd\uac01\ubcf4\ub2e4 \ub9ce\uc774 \uc548 \ub410\uace0,
\n\ud55c \ub2ec \uc9c0\ucd9c\uc744 \ud55c \ubc88 \ub72f\uc5b4\ubcf4\uace0 \ub098\uc11c \uc678\uc2dd\u00b7\uc1fc\ud551\uc744 \uc904\uc774\ub2c8 \uc800\ucd95 \uc5ec\ub825\uc774 \uc0dd\uacbc\ub2e4.\n<\/p>\n

\"\uc6d4\uae09\ubcc4
\u25b2 \uc6d4\uae09\ubcc4 \ud56d\ubaa9\ubcc4 \ucd94\ucc9c \uc9c0\ucd9c \uae08\uc561(\uc88c)\uacfc \uc6d4 300\ub9cc\uc6d0 \uae30\uc900 \ubc30\ubd84 \ube44\uc728 \ub3c4\ub11b \ucc28\ud2b8(\uc6b0)<\/figcaption><\/figure>\n

\n\uc6d4\uc138\uac00 \uac00\uc7a5 \ud070 \ubcc0\uc218\ub2e4: \uc6d4\uae09\uc758 \uba87 %\uae4c\uc9c0 \uc368\uc57c \ud558\ub098<\/h2>\n

\n\uc6d4\uc138 \ube44\uc728\uc5d0 \ub300\ud574\uc11c\ub294 “\uc6d4 \uc18c\ub4dd\uc758 30% \uc774\ub0b4”\uac00 \uac00\uc7a5 \ub9ce\uc774 \uc778\uc6a9\ub418\ub294 \uae30\uc900\uc774\ub2e4.
\n\ubbf8\uad6d \uae30\uc900\uc774\ub77c \ud55c\uad6d\uc5d0 \uadf8\ub300\ub85c \uc801\uc6a9\ud558\uae30\uc5d4 \uc5b4\uc0c9\ud558\uc9c0\ub9cc, \ud070 \ud2c0\uc5d0\uc11c\ub294 \ub9de\ub294 \ub9d0\uc774\ub2e4.\n<\/p>\n

\n\uc6d4 \uc2e4\uc218\ub839 250\ub9cc\uc6d0\uc778 \uc0ac\ub78c\uc774 \uc6d4\uc138 75\ub9cc\uc6d0\uc9dc\ub9ac \ubc29\uc5d0 \uc0b0\ub2e4\uba74 \uc6d4\uc138 \ube44\uc728\uc774 30%\ub2e4.
\n\uc5ec\uae30\uc5d0 \uad00\ub9ac\ube44 7~10\ub9cc\uc6d0 \ub354\ud558\uba74 85\ub9cc\uc6d0 \u2192 34%\ub2e4.
\n\uc774\ub7ec\uba74 \uc2dd\ube44\u00b7\uad50\ud1b5\u00b7\ud1b5\uc2e0\uae4c\uc9c0 \uc4f0\uace0 \ub098\uba74 \uc800\ucd95\uc774 \uac70\uc758 \ubd88\uac00\ub2a5\ud558\uac70\ub098, \ub9e4\uc6b0 \ube60\ub4ef\ud574\uc9c4\ub2e4.\n<\/p>\n

\n\ud604\uc2e4\uc801\uc73c\ub85c \ucd94\ucc9c\ud558\ub294 \uc6d4\uc138 \uae30\uc900\uc744 \uc815\ub9ac\ud558\uba74 \uc544\ub798\uc640 \uac19\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n\n
\uc6d4 \uc2e4\uc218\ub839<\/th>\n\uad8c\uc7a5 \uc6d4\uc138 \uc0c1\ud55c (\uad00\ub9ac\ube44 \ud3ec\ud568)<\/th>\n\ube44\uace0<\/th>\n<\/tr>\n<\/thead>\n
230\ub9cc\uc6d0<\/td>\n55\ub9cc\uc6d0 \uc774\ud558<\/td>\n\uc11c\uc6b8 \uc678\uacfd\u00b7\uacbd\uae30 \uc811\uacbd \uc9c0\uc5ed \uc704\uc8fc\ub85c \ud0d0\uc0c9<\/td>\n<\/tr>\n
250\ub9cc\uc6d0<\/td>\n60\ub9cc\uc6d0 \uc774\ud558<\/td>\n\ub3c4\ubd09\u00b7\ub178\uc6d0\u00b7\uae08\ucc9c\u00b7\uad6c\ub85c \uc6d0\ub8f8 \uc2dc\uc138 \uae30\uc900 \uac00\ub2a5<\/td>\n<\/tr>\n
280\ub9cc\uc6d0<\/td>\n65\ub9cc\uc6d0 \uc774\ud558<\/td>\n\uc740\ud3c9\u00b7\uc131\ubd81\u00b7\uc911\ub791 \uc77c\ubd80 \uac00\ub2a5<\/td>\n<\/tr>\n
300\ub9cc\uc6d0<\/td>\n70\ub9cc\uc6d0 \uc774\ud558<\/td>\n\ub9c8\ud3ec\u00b7\uc6a9\uc0b0\u00b7\uc131\ub3d9 \uc2e0\ucd95 \uc18c\ud615 \uc6d0\ub8f8 \uc811\uadfc \uac00\ub2a5<\/td>\n<\/tr>\n
350\ub9cc\uc6d0<\/td>\n80\ub9cc\uc6d0 \uc774\ud558<\/td>\n\uac15\ub0a8\u00b7\uc11c\ucd08 \uc81c\uc678 \ub300\ubd80\ubd84 \uac00\ub2a5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\uc774 \uae30\uc900\ubcf4\ub2e4 \ube44\uc2fc \ubc29\uc5d0 \uc0ac\ub294 \uac8c \ub098\uc05c \uac8c \uc544\ub2c8\ub2e4. \ub2e4\ub9cc \uadf8\ub9cc\ud07c \ub2e4\ub978 \ud56d\ubaa9\uc744 \uc904\uc5ec\uc57c \ud55c\ub2e4\ub294 \ub73b\uc774\ub2e4.
\n\uc6d4\uc138\ub97c 10\ub9cc\uc6d0 \ub354 \uc4f0\uba74 \uadf8 \ub2ec \uc5ec\uac00\ube44\ub098 \uc800\ucd95\uc5d0\uc11c 10\ub9cc\uc6d0\uc744 \ub354 \ube7c\uc57c \ud55c\ub2e4.
\n\uadf8 \ud2b8\ub808\uc774\ub4dc\uc624\ud504\ub97c \uc54c\uace0 \uc788\ub294\uc9c0\uac00 \uc911\uc694\ud558\ub2e4.\n<\/p>\n

\"50-30-20
\u25b2 \uad50\uacfc\uc11c 50-30-20 \ubc95\uce59 vs \uc11c\uc6b8 \uc790\ucde8 \ud604\uc2e4 \u2014 \ud544\uc218 \uc9c0\ucd9c \ube44\uc911\uc774 10%p \ub354 \ub192\ub2e4<\/figcaption><\/figure>\n

\n\uc0dd\ud65c\ube44\ub294 \ud56d\ubaa9\ubcc4\ub85c \ucabc\uac1c\uc57c \uad00\ub9ac\ub41c\ub2e4<\/h2>\n

\n“\uc0dd\ud65c\ube44 70\ub9cc\uc6d0 \uc4f8\uac8c\uc694” \uc2dd\uc73c\ub85c \ubb49\ub6b1\uadf8\ub824 \uc7a1\uc73c\uba74 \ubc18\ub4dc\uc2dc \ucd08\uacfc\ud55c\ub2e4. \uc9c1\uc811 \uacaa\uc5c8\ub2e4.
\n\ucc98\uc74c \uc790\ucde8\ub97c \uc2dc\uc791\ud558\uace0 \ud55c \ub2ec\uc744 “\ub300\ucda9 \uc0dd\ud65c\ube44 70\ub9cc\uc6d0”\uc73c\ub85c \uc7a1\uc558\ub294\ub370,
\n3\uc8fc\uac00 \uc9c0\ub098\ub3c4 \uc5bc\ub9c8 \uc37c\ub294\uc9c0 \uac10\uc774 \uc548 \uc7a1\ud614\ub2e4.
\n\uacb0\uad6d \uc6d4\ub9d0\uc5d0 \uac00\uacc4\ubd80\ub97c \uc815\uc0b0\ud574\ubcf4\ub2c8 88\ub9cc\uc6d0\uc774\uc5c8\ub2e4. \ubaa9\ud45c\ubcf4\ub2e4 18\ub9cc\uc6d0 \ucd08\uacfc.\n<\/p>\n

\n\uadf8\ub2e4\uc74c \ub2ec\ubd80\ud130\ub294 \ud56d\ubaa9\uc744 \ub098\ub220\uc11c \uad00\ub9ac\ud588\ub2e4.\n<\/p>\n

\n

\n\uc2dd\ube44<\/strong>: \uc7a5\ubcf4\uae30 25\ub9cc\uc6d0 \/ \uc810\uc2ec\uac12(\uc9c1\uc7a5) 15\ub9cc\uc6d0 \/ \ubc30\ub2ec\u00b7\uc678\uc2dd 20\ub9cc\uc6d0 \u2192 \uc18c\uacc4 60\ub9cc\uc6d0
\n\uad50\ud1b5<\/strong>: \uc9c0\ud558\ucca0\u00b7\ubc84\uc2a4 \uc815\uae30\uad8c 9\ub9cc\uc6d0 \/ \ud0dd\uc2dc\u00b7\uacf5\uc720\ud0a5\ubcf4\ub4dc 3\ub9cc\uc6d0 \u2192 \uc18c\uacc4 12\ub9cc\uc6d0
\n\ud1b5\uc2e0<\/strong>: \ud1b5\uc2e0\ube44 3\ub9cc 5\ucc9c\uc6d0 \/ \ub137\ud50c\ub9ad\uc2a4+\uc720\ud29c\ube0c\ud504\ub9ac\ubbf8\uc5c4 3\ub9cc\uc6d0 \u2192 \uc18c\uacc4 6\ub9cc 5\ucc9c\uc6d0
\n\uc704\uc0dd\u00b7\uc0dd\ud65c\uc7a1\ube44<\/strong>: \uc138\uc81c\u00b7\uc0f4\ud478\u00b7\ud654\uc7a5\ud488 \ub4f1 8\ub9cc\uc6d0
\n\uc758\ub8cc\u00b7\uae30\ud0c0 \uace0\uc815<\/strong>: \ubcd1\uc6d0\u00b7\uc57d\uad6d + \uc5f0\uac04 \uc774\ubca4\ud2b8 \ubd84\ud560 \u2192 \uc6d4 5\ub9cc\uc6d0 \uc608\ube44 \uc801\ub9bd<\/p>\n

\u2192 \ud569\uacc4: \uc57d 91\ub9cc 5\ucc9c\uc6d0 (\uc0dd\ud65c\ube44\ub9cc)<\/strong>\n<\/p>\n<\/div>\n

\n\uc774\ub807\uac8c \ucabc\uac1c\uba74 \uc5b4\ub290 \ud56d\ubaa9\uc5d0\uc11c \ucd08\uacfc\uac00 \ub098\ub294\uc9c0 \ubc14\ub85c \ubcf4\uc778\ub2e4.
\n\ub098 \uac19\uc740 \uacbd\uc6b0 \ubc30\ub2ec \uc74c\uc2dd 20\ub9cc\uc6d0 \uc608\uc0b0\uc774 \ud56d\uc0c1 \ud130\uc9c0\ub294 \uc9c0\uc810\uc774\uc5c8\ub2e4.
\n‘\ubc30\ub2ec\ube44 \ud3ec\ud568 2~3\ubc88\uc774\uba74 20\ub9cc\uc6d0 \uc21c\uc0ad’\uc774\ub77c\ub294 \uac78 \uc54c\uace0 \ub098\uc11c\uc57c \uc7a5\ubcf4\uae30 \ube44\uc911\uc744 \ub298\ub838\ub2e4.\n<\/p>\n

\n\uc800\ucd95 22%: \uc5b4\ub5a4 \uc21c\uc11c\ub85c \ub123\uc744\uae4c<\/h2>\n

\n\uc800\ucd95 \ube44\uc728\uc744 \uc815\ud588\uc73c\uba74 \uc5b4\ub514\uc5d0 \uc5bc\ub9c8\uc529 \ub098\ub20c\uc9c0\ub3c4 \uc815\ud574\uc57c \ud55c\ub2e4.
\n\uadf8\ub0e5 \ud1b5\uc7a5\uc5d0 \ub0a8\uaca8\ub450\ub294 \uac74 \uc800\ucd95\uc774 \uc544\ub2c8\ub2e4. \uc5b4\ub290 \ub0a0 \uac11\uc790\uae30 \uc190\uc774 \uac04\ub2e4.\n<\/p>\n

\n\uc6d4 300\ub9cc\uc6d0\uc5d0\uc11c \uc800\ucd95 66\ub9cc\uc6d0(22%)\uc744 \uad74\ub9ac\ub294 \uc21c\uc11c\ub85c \ub0b4\uac00 \uc2e4\uc81c\ub85c \uc4f0\ub294 \ubc29\uc2dd\uc740 \uc774\ub807\ub2e4:\n<\/p>\n\n\n\n\n\n\n\n\n
\ud56d\ubaa9<\/th>\n\uae08\uc561<\/th>\n\ubaa9\uc801<\/th>\n<\/tr>\n<\/thead>\n
\u2460 \uccad\uc57d\uc800\ucd95 (\uc6b0\uc120)<\/td>\n10\ub9cc\uc6d0<\/td>\n\uc8fc\ud0dd\uccad\uc57d \ub0a9\uc785 \ud69f\uc218\u00b7\uae08\uc561 \uc313\uae30 (\uc18c\ub4dd\uacf5\uc81c \ud61c\ud0dd\ub3c4 \uc788\uc74c)<\/td>\n<\/tr>\n
\u2461 \ube44\uc0c1\uae08 \ud1b5\uc7a5<\/td>\n20\ub9cc\uc6d0<\/td>\n\ud30c\ud0b9\ud1b5\uc7a5 (\ubaa9\ud45c: 3\uac1c\uc6d4\uce58 \uc0dd\ud65c\ube44 = \uc57d 270\ub9cc\uc6d0 \ub3c4\ub2ec \uc2dc \uc911\ub2e8)<\/td>\n<\/tr>\n
\u2462 \uc5f0\uae08\uc800\ucd95 or ISA<\/td>\n16\ub9cc\uc6d0<\/td>\n\uc808\uc138 \ud6a8\uacfc + \uc7a5\uae30 \ud22c\uc790 (ETF \ub9e4\uc218)<\/td>\n<\/tr>\n
\u2463 \uc5ec\uc720 \uc801\uae08 or \uc608\uae08<\/td>\n20\ub9cc\uc6d0<\/td>\n1~2\ub144 \ub0b4 \ub2e8\uae30 \ubaa9\ud45c (\uc5ec\ud589, \uc774\uc0ac \ubcf4\uc99d\uae08 \ub4f1)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\uc774 \uc21c\uc11c\uc5d0\uc11c \uc911\uc694\ud55c \uac74 \ube44\uc0c1\uae08\uc774 \uba3c\uc800<\/strong>\ub77c\ub294 \uac70\ub2e4.
\n\ud22c\uc790\ub97c \uba3c\uc800 \uc2dc\uc791\ud558\uace0 \uc2f6\uc740 \ub9c8\uc74c\uc740 \uc774\ud574\ud558\uc9c0\ub9cc, \ube44\uc0c1\uae08 \uc5c6\uc774 \ud22c\uc790 \uacc4\uc88c\uc5d0 \ub3c8 \ub123\uc5c8\ub2e4\uac00
\n\uac11\uc790\uae30 \ubcd1\uc6d0\ube44\ub098 \uc774\uc0ac \ube44\uc6a9 \uc0dd\uae30\uba74 \ud22c\uc790 \uacc4\uc88c\uc5d0\uc11c \ube80\ub2e4. \uadf8\ub7ec\uba74 \uc218\uc218\ub8cc\u00b7\uc138\uae08\ub3c4 \uc544\uae5d\uace0 \ud0c0\uc774\ubc0d\ub3c4 \uc5c9\ub9dd\uc774 \ub41c\ub2e4.
\n\ube44\uc0c1\uae08 270\ub9cc\uc6d0(3\uac1c\uc6d4\uce58 \uc0dd\ud65c\ube44) \ucc44\uc6b4 \ub2e4\uc74c\uc5d0 \ud22c\uc790 \ube44\uc911\uc744 \ub298\ub9ac\ub294 \uac8c \uc21c\uc11c\uc0c1 \ub9de\ub2e4.\n<\/p>\n

\n\uc6d4\uae09\ubcc4\ub85c \ube44\uc728\uc774 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c0\ub098<\/h2>\n

\n\uc6d4\uae09\uc774 \uc62c\ub77c\uac04\ub2e4\uace0 \ube44\uc728\uc774 \ub611\uac19\uc774 \uc720\uc9c0\ub418\uc9c0\ub294 \uc54a\ub294\ub2e4.
\n\uc6d4\uc138\ub294 \ub354 \uc88b\uc740 \ubc29\uc73c\ub85c \uc774\uc0ac\ud558\uba74\uc11c \uae08\uc561\uc774 \uc62c\ub77c\uac00\uace0, \uc0dd\ud65c\ube44\ub3c4 \uc18c\ube44 \uc218\uc900\uc774 \uc62c\ub77c\uac00\uba74 \ub530\ub77c \uc624\ub978\ub2e4.
\n\ud558\uc9c0\ub9cc \uac19\uc740 \ubc29\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uc6d4\uae09\uc774 \uc624\ub978\ub2e4\uba74 \uc800\ucd95 \ube44\uc728\uc774 \ube60\ub974\uac8c \uc62c\ub77c\uac00\ub294 \uad6c\uc870\ub2e4.\n<\/p>\n

\n\uac19\uc740 \ubc29(\uc6d4\uc138+\uad00\ub9ac\ube44 62\ub9cc\uc6d0)\uc5d0 \uc0b4\uba74\uc11c \uc6d4\uae09\uc774 250\ub9cc\uc6d0 \u2192 300\ub9cc\uc6d0 \u2192 350\ub9cc\uc6d0\uc73c\ub85c \uc624\ub978\ub2e4\uace0 \ud558\uba74:\n<\/p>\n

\n\n\n\n\n\n\n\n
\uc6d4 \uc2e4\uc218\ub839<\/th>\n\uc6d4\uc138+\uad00\ub9ac\ube44<\/th>\n\uc0dd\ud65c\ube44<\/th>\n\uc5ec\uac00<\/th>\n\uc800\ucd95 \uae08\uc561<\/th>\n\uc800\ucd95 \ube44\uc728<\/th>\n<\/tr>\n<\/thead>\n
250\ub9cc\uc6d0<\/td>\n62\ub9cc\uc6d0<\/td>\n83\ub9cc\uc6d0<\/td>\n25\ub9cc\uc6d0<\/td>\n80\ub9cc\uc6d0<\/td>\n32%<\/td>\n<\/tr>\n
300\ub9cc\uc6d0<\/td>\n62\ub9cc\uc6d0<\/td>\n91\ub9cc\uc6d0<\/td>\n33\ub9cc\uc6d0<\/td>\n114\ub9cc\uc6d0<\/td>\n38%<\/td>\n<\/tr>\n
350\ub9cc\uc6d0<\/td>\n62\ub9cc\uc6d0<\/td>\n96\ub9cc\uc6d0<\/td>\n40\ub9cc\uc6d0<\/td>\n152\ub9cc\uc6d0<\/td>\n43%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u203b \uac19\uc740 \ubc29 \uc720\uc9c0, \uc0dd\ud65c \uc218\uc900 \uc18c\ud3ed\ub9cc \uc0c1\uc2b9 \uac00\uc815 \u2014 \uc5f0\ubd09 \uc778\uc0c1\uc758 \ud6a8\uacfc\uac00 \uac70\uc758 \uadf8\ub300\ub85c \uc800\ucd95\uc73c\ub85c \uc774\uc5b4\uc9c0\ub294 \uad6c\uc870<\/p>\n<\/div>\n

\n\uac19\uc740 \ubc29\uc5d0 \uc0b4\uba74\uc11c \uc6d4\uae09\uc774 50\ub9cc\uc6d0 \uc62c\ub790\uc744 \ub54c \uc0dd\ud65c\ube44\ub97c 13\ub9cc\uc6d0, \uc5ec\uac00\ub97c 8\ub9cc\uc6d0 \ub354 \uc4f0\ub294 \ub300\uc2e0
\n\ub098\uba38\uc9c0 29\ub9cc\uc6d0 \uc774\uc0c1\uc774 \uc800\ucd95\uc73c\ub85c \ub354 \uc313\uc778\ub2e4.
\n\uc5f0\ubd09\uc774 \uc62c\ub790\uc744 \ub54c \uc790\ub3d9\uc73c\ub85c \uc0dd\ud65c \uc218\uc900\uc744 \ub530\ub77c \uc62c\ub9ac\uc9c0 \uc54a\ub294 \uac8c \uc9e0\ud14c\ud06c\uc758 \ud575\uc2ec\uc774\ub2e4.
\n\uc774\uac78 1~2\ub144\ub9cc \uc2e4\ucc9c\ud574\ub3c4 \uac19\uc740 \uc5f0\ubd09\ub300\uc5d0\uc11c \ud1b5\uc7a5 \uc794\uc561\uc774 \ub208\uc5d0 \ub744\uac8c \ub2ec\ub77c\uc9c4\ub2e4.\n<\/p>\n

\n\ube44\uc728\ubcf4\ub2e4 \uae08\uc561\uc744 \uba3c\uc800 \uace0\uc815\ud558\ub294 \uac8c \ub354 \uc27d\ub2e4<\/h2>\n

\n\ube44\uc728\ub85c \uad00\ub9ac\ud558\ub294 \uac8c \uc774\ub860\uc0c1 \uae54\ub054\ud558\uc9c0\ub9cc, \ucc98\uc74c \ud63c\uc790 \uc0b4\uae30 \uc2dc\uc791\ud558\uba74 \ube44\uc728\ubcf4\ub2e4 \uae08\uc561\uc744 \uba3c\uc800 \uc815\ud558\ub294 \uac8c \ud6e8\uc52c \uc2e4\uc6a9\uc801\uc774\ub2e4.\n<\/p>\n

\n\ucd94\ucc9c\ud558\ub294 \uc21c\uc11c\ub294 \uc774\ub807\ub2e4:\n<\/p>\n

\n1\ub2e8\uacc4:<\/strong> \uc6d4\uc138+\uad00\ub9ac\ube44 \uae08\uc561\uc744 \ud655\uc778\ud55c\ub2e4 (\uace0\uc815 \uc9c0\ucd9c, \ubcc0\uacbd \ubd88\uac00)
\n2\ub2e8\uacc4:<\/strong> \uc800\ucd95 \ubaa9\ud45c \uae08\uc561\uc744 \uba3c\uc800 \uc815\ud55c\ub2e4 (\uc6d4\uae09\ub0a0 \ubc14\ub85c \uc790\ub3d9\uc774\uccb4)
\n3\ub2e8\uacc4:<\/strong> \ub098\uba38\uc9c0 \uae08\uc561\uc774 \ud55c \ub2ec \uc0dd\ud65c\ube44 \ucd1d\uc561\uc774\ub2e4
\n4\ub2e8\uacc4:<\/strong> \uc0dd\ud65c\ube44 \ucd1d\uc561\uc744 \uc2dd\ube44\u00b7\uad50\ud1b5\u00b7\ud1b5\uc2e0\u00b7\uc5ec\uac00\ub85c \uc138\ubd80 \ubc30\uc815\n<\/p>\n

\n\uc608\ub97c \ub4e4\uc5b4 \uc6d4 300\ub9cc\uc6d0\uc774\uba74: \uc6d4\uc138 62\ub9cc\uc6d0 \uace0\uc815 \u2192 \uc800\ucd95 70\ub9cc\uc6d0 \uc790\ub3d9\uc774\uccb4 \u2192 \ub0a8\uc740 168\ub9cc\uc6d0\uc774 \ud55c \ub2ec \uc608\uc0b0.
\n\uc774 168\ub9cc\uc6d0 \uc548\uc5d0\uc11c \uc2dd\ube44\u00b7\uad50\ud1b5\u00b7\ud1b5\uc2e0\u00b7\uc5ec\uac00\ub97c \ubaa8\ub450 \uc4f0\uba74 \ub41c\ub2e4.
\n\uadf8\uac83\ub3c4 \uc548 \ub41c\ub2e4\uba74 \uc6d4\uc138\ub97c \ub0ae\ucd94\uac70\ub098 \uc800\ucd95 \ubaa9\ud45c\ub97c \uc7a0\uc2dc \uc904\uc774\ub294 \uac78 \uc120\ud0dd\ud574\uc57c \ud55c\ub2e4.
\n\uc22b\uc790\uac00 \uba85\ud655\ud574\uc9c0\uba74 \uacb0\uc815\uc774 \uc26c\uc6cc\uc9c4\ub2e4.\n<\/p>\n

\n

\n\ud83d\udca1 \uc6d4\uae09\ub0a0 \uc790\ub3d9\uc774\uccb4 \uc124\uc815 \uafc0\ud301<\/strong>
\n\u2022 \uc6d4\uae09 \ub4e4\uc5b4\uc624\ub294 \ub0a0 \uae30\uc900 +1\uc77c\uc5d0 \uc790\ub3d9\uc774\uccb4 \uac78\uae30 (\uccad\uc57d\uc800\ucd95, \ube44\uc0c1\uae08 \ud30c\ud0b9\ud1b5\uc7a5, \uc801\uae08 \ud3ec\ud568)
\n\u2022 “\uc4f0\uace0 \ub0a8\uae30\ub294” \uad6c\uc870\uac00 \uc544\ub2c8\ub77c “\uba3c\uc800 \ube7c\uace0 \ub0a8\uc740 \uac78 \uc4f0\ub294” \uad6c\uc870\ub85c \uc804\ud658
\n\u2022 \ucc98\uc74c\uc5d0 \ubaa9\ud45c\uac00 \ub108\ubb34 \ub192\uc73c\uba74 \uc2e4\ud328\ud558\uae30 \uc26c\uc6c0 \u2014 \uc870\uae08 \ub0ae\uac8c \uc7a1\uc544\ub3c4 \uafb8\uc900\ud788 \ud558\ub294 \uac8c \ud6e8\uc52c \ub0ab\ub2e4\n<\/p>\n<\/div>\n

\n\uacb0\uad6d \uc911\uc694\ud55c \uac74 \uc790\uae30 \uc22b\uc790\ub97c \uc544\ub294 \uac83<\/h2>\n

\n50-30-20\uc774 \ub9de\ub4e0 60-18-22\uac00 \ub9de\ub4e0, \ube44\uc728 \uc790\uccb4\ubcf4\ub2e4 \uc911\uc694\ud55c \uac74 \ub0b4 \uc2e4\uc81c \uc9c0\ucd9c\uc744 \ud55c \ubc88\uc774\ub77c\ub3c4 \ub4e4\uc5ec\ub2e4\ubcf4\ub294 \uac70\ub2e4.
\n\ud55c \ub2ec \uce74\ub4dc \ub0b4\uc5ed\uc11c\ub97c \ucea1\ucc98\ud574\uc11c \ud56d\ubaa9\ubcc4\ub85c \ubd84\ub958\ud574\ubcf4\uba74, \uc5b4\ub514\uc11c \uc0c8\ub294\uc9c0\uac00 \ubcf4\uc778\ub2e4.
\n\uadf8\uac83\ub9cc \uc54c\uc544\ub3c4 \ub2e4\uc74c \ub2ec \uc608\uc0b0\uc774 \uc800\uc808\ub85c \uc7a1\ud78c\ub2e4.\n<\/p>\n

\n\ucc98\uc74c\ubd80\ud130 \uc644\ubcbd\ud55c \ube44\uc728\uc744 \ub9de\ucd94\ub824\uace0 \ud558\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub2e4.
\n\uc6d4\uc138 \ube44\uc728\uc774 \ub192\uc544\ub3c4, \uc800\ucd95\uc774 10\ub9cc\uc6d0\uc774\uc5b4\ub3c4 \u2014 \uc4f4 \ub3c8\uc744 \uc54c\uace0 \uc788\ub290\ub0d0, \ubaa8\ub974\uace0 \uc788\ub290\ub0d0\uac00 \ud6e8\uc52c \ub354 \uc911\uc694\ud55c \uae30\uc900\uc774\ub2e4.\n<\/p>\n

\n\ud575\uc2ec \uc815\ub9ac:<\/strong> \uc11c\uc6b8 \uc790\ucde8 \uae30\uc900 \ud604\uc2e4 \ube44\uc728\uc740 \ud544\uc218 \uc9c0\ucd9c 60% \/ \uc5ec\uac00 18% \/ \uc800\ucd95 22% \uc218\uc900\uc774\ub2e4.
\n\uc6d4\uc138\ub294 \uc2e4\uc218\ub839\uc758 25% \uc774\ud558\ub85c \uc720\uc9c0\ud558\ub294 \uac8c \uc800\ucd95 \uc5ec\ub825 \ud655\ubcf4\uc758 \ud575\uc2ec\uc774\ub2e4.
\n\uc800\ucd95\uc740 \uae08\uc561\uc744 \uba3c\uc800 \uc815\ud558\uace0 \uc6d4\uae09\ub0a0 \ubc14\ub85c \ube7c\ub294 \uad6c\uc870\uac00 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc774\ub2e4.
\n\ube44\uc728\ubcf4\ub2e4 \ub0b4 \uc22b\uc790\ub97c \uc544\ub294 \uac83, \uadf8\uac8c \uc2dc\uc791\uc774\ub2e4.\n<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

\ucc98\uc74c \ud63c\uc790 \uc0b4\uae30 \uc2dc\uc791\ud588\uc744 \ub54c \uc81c\uc77c \ub9c9\ub9c9\ud588\ub358 \uac8c \ubc14\ub85c \uc774 \ube44\uc728 \ubb38\uc81c\uc600\ub2e4. \uc6d4\uc138\ub294 \uc5bc\ub9c8\uc9dc\ub9ac\ub97c \uad6c\ud574\uc57c \ud558\uace0, \uc2dd\ube44\ub294 \uc5bc\ub9c8\ub098 \uc368\uc57c \ud558\uace0, \uc800\ucd95\uc740 \uc5bc\ub9c8\ub97c \ud574\uc57c \uc801\ub2f9\ud55c \uac74\uc9c0 \u2014 \uc778\ud130\ub137\uc5d0 \uac80\uc0c9\ud558\uba74 “50-30-20 \ubc95\uce59”\uc774\ub77c\ub294 \ub9d0\uc774 \ub098\uc624\ub294\ub370, \uc11c\uc6b8\uc5d0\uc11c \uc790\ucde8\ud558\uba74\uc11c \uadf8\uac8c \uadf8\ub300\ub85c \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uac78 \uc9c1\uc811 \uc0b4\uc544\ubcf4\uace0 \ub098\uc11c\uc57c \uc54c\uc558\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc11c\uc6b8 \uc6d0\ub8f8 \uc790\ucde8 \uae30\uc900\uc73c\ub85c \uc2e4\uc81c\ub85c \uc6d4\uae09\uc758 \uba87 \ud37c\uc13c\ud2b8\uac00 \uc5b4\ub514\ub85c \ub098\uac00\ub294\uc9c0, … \ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":102,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-105","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\/105","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=105"}],"version-history":[{"count":0,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/media\/102"}],"wp:attachment":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}