{"id":121,"date":"2026-05-21T08:03:09","date_gmt":"2026-05-20T23:03:09","guid":{"rendered":"https:\/\/jusikrank.pe.kr\/?p=121"},"modified":"2026-05-21T08:03:09","modified_gmt":"2026-05-20T23:03:09","slug":"%ec%a7%a0%ed%85%8c%ed%81%ac-vs-%ed%88%ac%ec%9e%90-%ec%b4%88%eb%85%84%ec%83%9d-%eb%95%8c%eb%8a%94-%eb%ac%b4%ec%97%87%ec%97%90-%ec%a7%91%ec%a4%91%ed%95%b4%ec%95%bc-%ed%95%98%eb%82%98","status":"publish","type":"post","link":"https:\/\/jusikrank.pe.kr\/?p=121","title":{"rendered":"\uc9e0\ud14c\ud06c vs \ud22c\uc790: \ucd08\ub144\uc0dd \ub54c\ub294 \ubb34\uc5c7\uc5d0 \uc9d1\uc911\ud574\uc57c \ud558\ub098"},"content":{"rendered":"
\n

\n\uc0ac\ud68c\ucd08\ub144\uc0dd \ub54c \uac00\uc7a5 \ub9ce\uc774 \ub4e3\ub294 \ub9d0\uc774 \ub450 \uac00\uc9c0\ub2e4.
\n“\uc9c0\uae08\ubd80\ud130 \ud22c\uc790\ud574\uc57c \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ub204\ub9b0\ub2e4”\uc640 “\uc77c\ub2e8 \ud5c8\ub9ac\ub760 \uc878\ub77c\ub9e4\uace0 \uc885\uc7a3\ub3c8\ubd80\ud130 \ubaa8\uc544\ub77c”.
\n\ub458 \ub2e4 \ub9de\ub294 \ub9d0\uc774\ub77c\uc11c \uc624\ud788\ub824 \ud5f7\uac08\ub9b0\ub2e4. \uadf8\ub7ec\ub2e4 \uacb0\uad6d \uc544\ubb34\uac83\ub3c4 \uc81c\ub300\ub85c \ubabb \ud558\uac70\ub098,
\n\uc9e0\ud14c\ud06c\ub9cc \ud558\uba74\uc11c “\ud22c\uc790\ub294 \ub098\uc911\uc5d0”\ub97c \ubb34\ud55c \ubc18\ubcf5\ud558\uac8c \ub41c\ub2e4.\n<\/p>\n

\n\ub098\ub3c4 \uccab 2\ub144\uc744 \uac70\uc758 \uc9e0\ud14c\ud06c\ub9cc \ud588\ub2e4. \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uac74 \uc798 \ub410\ub294\ub370,
\n\ubaa8\uc778 \ub3c8\uc744 \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud574\uc57c \ud558\ub294\uc9c0 \ubab0\ub77c\uc11c \ud30c\ud0b9\ud1b5\uc7a5\uc5d0\ub9cc \ub123\uc5b4\ub480\ub2e4.
\n\uadf8\ub7ec\ub2e4 \uc8fc\ubcc0\uc5d0\uc11c “\uc57c, \uadf8 \ub3c8 \uadf8\ub0e5 \ub450\uba74 \uc778\ud50c\ub808\uc774\uc158\uc5d0 \ub179\ub294\ub2e4”\ub294 \ub9d0\uc5d0
\n\ub4a4\ub2a6\uac8c \ud22c\uc790\ub97c \uc2dc\uc791\ud588\ub294\ub370, \uadf8\ub54c\uc11c\uc57c \uc2dc\uac04\uc758 \ucc28\uc774\uac00 \uc5bc\ub9c8\ub098 \ud070\uc9c0 \uc2e4\uac10\ud588\ub2e4.\n<\/p>\n

\"\uc9e0\ud14c\ud06c<\/figure>\n

\n\uacb0\ub860\ubd80\ud130 \ub9d0\ud558\uba74, \uc9e0\ud14c\ud06c\uc640 \ud22c\uc790\ub294 \ub300\ub9bd \uad00\uacc4\uac00 \uc544\ub2c8\ub2e4.
\n\uc9e0\ud14c\ud06c\uac00 \ud22c\uc790 \uc6d0\uae08\uc744 \ub9cc\ub4dc\ub294 \uacfc\uc815\uc774\uace0, \ud22c\uc790\uac00 \uadf8 \uc6d0\uae08\uc744 \ubd88\ub9ac\ub294 \uacfc\uc815\uc774\ub2e4.
\n\ub458 \uc911 \ud558\ub098\ub97c \uc120\ud0dd\ud558\ub294 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \uc21c\uc11c\uc640 \ube44\uc728\uc758 \ubb38\uc81c\ub2e4.
\n\ub2e4\ub9cc \ucd08\ub144\uc0dd \uc0c1\ud669\uc5d0\uc11c\ub294 \uc5b4\ub290 \ucabd\uc5d0 \ub354 \ud798\uc744 \uc918\uc57c \ud558\ub294\uc9c0 \uae30\uc900\uc744 \uc7a1\ub294 \uac8c \ud544\uc694\ud558\ub2e4.\n<\/p>\n

\n\uc9e0\ud14c\ud06c\uc758 \uc9c4\uc9dc \uc5ed\ud560<\/h2>\n

\n\uc9e0\ud14c\ud06c\ub97c \ub2e8\uc21c\ud788 “\uc548 \uc4f0\ub294 \uac83”\uc73c\ub85c\ub9cc \ubcf4\uba74 \ud55c\uacc4\uac00 \uae08\ubc29 \uc628\ub2e4.
\n\ucee4\ud53c \uc548 \ub9c8\uc2dc\uace0, \ud0dd\uc2dc \uc548 \ud0c0\uace0, \uc678\uc2dd \uc904\uc774\ub294 \uc2dd\uc73c\ub85c \ubc84\ud2f0\ub294 \ubc29\uc2dd\uc740
\n\uc6d4 5~10\ub9cc\uc6d0 \uc815\ub3c4\ub294 \uc544\ub084 \uc218 \uc788\uc9c0\ub9cc \uc624\ub798\uac00\uae30 \uc5b4\ub835\uace0, \uc2a4\ud2b8\ub808\uc2a4\uac00 \uc313\uc778\ub2e4.\n<\/p>\n

\n\uc9e0\ud14c\ud06c\uc758 \uc9c4\uc9dc \uc5ed\ud560\uc740 \uc18c\ube44 \uad6c\uc870\ub97c \ub9cc\ub4dc\ub294 \uac83<\/strong>\uc774\ub2e4.
\n\uc6d4\uae09\uc5d0\uc11c \uace0\uc815 \uc800\ucd95\uc561\uc744 \uba3c\uc800 \ube7c\uace0, \ub098\uba38\uc9c0\ub85c \uc0dd\ud65c\ud558\ub294 \ubc29\uc2dd\uc744 \uc815\ucc29\uc2dc\ud0a4\ub294 \uac8c \ud575\uc2ec\uc774\ub2e4.
\n\uc774\uac78 \uc798 \uc138\ud305\ud574\ub450\uba74 \uc758\uc9c0\ub825\uc744 \uc4f8 \ud544\uc694 \uc5c6\uc774 \uc790\ub3d9\uc73c\ub85c \ub3c8\uc774 \ubaa8\uc778\ub2e4.
\n\uc800\ucd95 \uc790\ub3d9\uc774\uccb4, \uce74\ub4dc \ud55c\ub3c4 \uc81c\ud55c, \uc18c\ube44 \uce74\ud14c\uace0\ub9ac\ubcc4 \uc608\uc0b0 \ubc30\ubd84\uc774 \uad6c\uccb4\uc801\uc778 \uc218\ub2e8\uc774\ub2e4.\n<\/p>\n

\n\ub610 \ud558\ub098, \uc9e0\ud14c\ud06c\ub294 \ud22c\uc790 \uc6d0\uae08\uc744 \ube60\ub974\uac8c \uc313\ub294 \ub370 \uc720\ub9ac\ud558\ub2e4<\/strong>.
\n\ud22c\uc790 \uc218\uc775\ub960\uc774 10%\ub77c\ub3c4, \uc6d0\uae08\uc774 100\ub9cc\uc6d0\uc774\uba74 \uc218\uc775\uc774 10\ub9cc\uc6d0\uc774\ub2e4.
\n\uc6d0\uae08\uc774 1000\ub9cc\uc6d0\uc774\uba74 100\ub9cc\uc6d0\uc774 \ub41c\ub2e4. \ucd08\ubc18\uc5d0 \uc6d0\uae08\uc744 \ube60\ub974\uac8c \ud0a4\uc6b0\ub294 \uac8c
\n\ubcf5\ub9ac \ud6a8\uacfc\ub97c \uc55e\ub2f9\uae30\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc774\ub2e4.
\n\uadf8\ub798\uc11c \ucd08\ub144\uc0dd \ub54c \uc9e0\ud14c\ud06c\uac00 \uc758\ubbf8 \uc788\ub294 \uac74, \uc544\ub07c\ub294 \uac83 \uc790\uccb4\uac00 \uc544\ub2c8\ub77c \uc6d0\uae08 \ucd95\uc801 \uc18d\ub3c4\ub97c \ub192\uc774\ub294 \uac83\uc774\ub2e4.\n<\/p>\n

\n\ud22c\uc790\ub97c \ubbf8\ub8e8\uba74 \uc5bc\ub9c8\ub098 \uc190\ud574\uc778\uac00<\/h2>\n

\n\ub9ce\uc740 \ucd08\ub144\uc0dd\uc774 “\uc6d0\uae08 1000\ub9cc\uc6d0 \ubaa8\uc774\uba74 \ud22c\uc790 \uc2dc\uc791\ud574\uc57c\uc9c0”\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4.
\n1000\ub9cc\uc6d0 \ubaa8\uc774\ub294 \ub370 2\ub144\uc774 \uac78\ub9ac\uace0, \uadf8 2\ub144 \ub3d9\uc548 \ud22c\uc790\ub97c \uc548 \ud558\uba74
\n\uc5bc\ub9c8\ub098 \uc190\ud574\uc778\uc9c0 \uacc4\uc0b0\ud574\ubcf8 \uc0ac\ub78c\uc740 \ub9ce\uc9c0 \uc54a\ub2e4.\n<\/p>\n

\n\uc5f0\ud3c9\uade0 9% \uc218\uc775\ub960\ub85c 10\ub144 \ud22c\uc790\ud558\uba74 \uc6d0\uae08\uc774 \uc57d 2.37\ubc30\uac00 \ub41c\ub2e4.
\n\uac19\uc740 \uc218\uc775\ub960\ub85c 8\ub144 \ud22c\uc790\ud558\uba74 \uc57d 2.0\ubc30\ub2e4.
\n2\ub144 \ucc28\uc774\ub85c \uc6d0\uae08 \ub300\ube44 0.37\ubc30 \ucc28\uc774\uac00 \ub09c\ub2e4.
\n1000\ub9cc\uc6d0 \uae30\uc900\uc774\uba74 370\ub9cc\uc6d0\uc774\ub2e4. \uc791\uc740 \uac83 \uac19\uc9c0\ub9cc, \uc774\uac8c \ubcf5\ub9ac\ub85c \ub610 10\ub144 \ub354 \uad74\ub7ec\uac00\uba74
\n\ud6e8\uc52c \ud070 \uaca9\ucc28\uac00 \ub41c\ub2e4. \ud22c\uc790 \uc2dc\uc791 \uc2dc\uc810\uc774 2\ub144 \ub2a6\uc73c\uba74 20~30\ub144 \ud6c4 \uc790\uc0b0\uc740 \uc218\ucc9c\ub9cc\uc6d0 \ucc28\uc774<\/strong>\uac00 \ub0a0 \uc218 \uc788\ub2e4.\n<\/p>\n

\n\uadf8\ub798\uc11c “\uc6d0\uae08 \ucda9\ubd84\ud788 \ubaa8\uc73c\uace0 \ud22c\uc790”\ubcf4\ub2e4 “\uc791\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uc9c0\uae08 \uc2dc\uc791”\uc774 \ub354 \ud569\ub9ac\uc801\uc774\ub2e4.
\n\uc6d4 30\ub9cc\uc6d0\uc774\ub4e0 50\ub9cc\uc6d0\uc774\ub4e0, \ud22c\uc790 \uacc4\uc88c\uc5d0 \ub123\ub294 \uc2b5\uad00 \uc790\uccb4\uac00 \uba3c\uc800\ub2e4.
\n\uae08\uc561\uc740 \ub098\uc911\uc5d0 \ub298\ub9ac\uba74 \ub41c\ub2e4.\n<\/p>\n

\"\uc9e0\ud14c\ud06c
\u25b2 \ub3d9\uc77c \uc6d0\uae08 \uae30\uc900 10\ub144 \uc2dc\ubbac\ub808\uc774\uc158 \u2014 \ud22c\uc790 \uc6d0\uae08\uc774 \ud655\ubcf4\ub418\uba74 \ubcd1\ud589 \uc804\ub7b5\uc774 \uac00\uc7a5 \uc55e\uc120\ub2e4<\/figcaption><\/figure>\n

\n\uadf8\ub807\ub2e4\uba74 \ud22c\uc790\ub9cc \ud558\uba74 \ub418\ub098?<\/h2>\n

\n\ud22c\uc790\ub9cc \ud558\uace0 \uc9e0\ud14c\ud06c\ub97c \ud3ec\uae30\ud558\uba74 \uc5b4\ub5bb\uac8c \ub420\uae4c.
\n\uc18c\ube44\uac00 \ud1b5\uc81c\ub418\uc9c0 \uc54a\uc73c\uba74 \ud22c\uc790 \uc6d0\uae08\uc73c\ub85c \uc4f8 \ub3c8\uc774 \uc904\uc5b4\ub4e0\ub2e4.
\n\uc6d4 50\ub9cc\uc6d0 \uc800\ucd95 \uac00\ub2a5\ud55c \uc0ac\ub78c\uc774 \uc9e0\ud14c\ud06c\ub97c \ud3ec\uae30\ud558\uba74 40\ub9cc\uc6d0\uc73c\ub85c \uc904\uc5b4\ub4e4 \uc218\ub3c4 \uc788\ub2e4.
\n\uc55e\uc758 \uc2dc\ubbac\ub808\uc774\uc158 \ucc28\ud2b8\uc5d0\uc11c B \uc804\ub7b5(\ud22c\uc790 \uc911\uc2ec)\uc774 \uc0dd\uac01\ubcf4\ub2e4 \ub0ae\uac8c \ub098\uc624\ub294 \uc774\uc720\uac00 \ubc14\ub85c \uc774\uac83\uc774\ub2e4.
\n\uc6d0\uae08\uc774 \uc904\uba74 \uc218\uc775\ub960\uc774 \ub192\uc544\ub3c4 \uacb0\uacfc \ucc28\uc774\uac00 \uc881\ud600\uc9c4\ub2e4.\n<\/p>\n

\n\ub610 \ud22c\uc790\ub9cc \uc9d1\uc911\ud558\uba74 \ube44\uc0c1\uae08\uc774 \ubd80\uc871\ud574\uc9c8 \uc218 \uc788\ub2e4.
\nETF\ub098 \uc8fc\uc2dd\uc740 \ud544\uc694\ud55c \uc2dc\uc810\uc5d0 \ubc14\ub85c \ud604\uae08\ud654\ud558\uba74 \uc190\uc2e4\uc774 \ub0a0 \uc218 \uc788\ub2e4.
\n\ud22c\uc790 \uacc4\uc88c\uc5d0 \ub123\uc740 \ub3c8\uc740 \ucd5c\uc18c 3~5\ub144\uc740 \uac74\ub4dc\ub9ac\uc9c0 \uc54a\uc744 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4.
\n\uadf8 \uae30\uac04 \ub3d9\uc548 \uae34\uae09 \uc9c0\ucd9c\uc774 \uc0dd\uae30\uba74 \ubc84\ud314 \ud604\uae08\uc774 \uc788\uc5b4\uc57c \ud55c\ub2e4.
\n\ube44\uc0c1\uae08 \uc5c6\uc774 \ud22c\uc790\ub9cc \ud558\ub2e4\uac00 \uc8fc\uac00 \ud558\ub77d \uc2dc\uc810\uc5d0 \uc5b4\uca54 \uc218 \uc5c6\uc774 \ud314\uac8c \ub418\uba74
\n\uc190\uc2e4\uc744 \ud655\uc815\ud558\ub294 \ucd5c\uc545\uc758 \uacb0\uacfc\uac00 \ub41c\ub2e4.\n<\/p>\n

\n\uacb0\ub860\uc801\uc73c\ub85c, \ud22c\uc790\ub9cc \ud558\ub294 \uac83\ub3c4 \uc9e0\ud14c\ud06c\ub9cc \ud558\ub294 \uac83\ub3c4 \ub2e8\ub3c5\uc73c\ub85c\ub294 \uc57d\uc810\uc774 \uc788\ub2e4<\/strong>.
\n\ube44\uc0c1\uae08\uc740 \ud30c\ud0b9\ud1b5\uc7a5\u00b7\ub2e8\uae30 \uc801\uae08\uc73c\ub85c \uc720\ub3d9\uc131 \uc788\uac8c \ud655\ubcf4\ud558\uace0,
\n\ub098\uba38\uc9c0 \uc5ec\uc733\ub3c8\uc73c\ub85c \ud22c\uc790\ud558\ub294 \uad6c\uc870\uac00 \uac00\uc7a5 \uc548\uc815\uc801\uc774\ub2e4.\n<\/p>\n

\n\ucd08\ub144\uc0dd \ud604\uc2e4\uc5d0\uc11c \ubcd1\ud589 \uc804\ub7b5 \uc124\uacc4\ud558\uae30<\/h2>\n

\n\uc6d4 \uc800\ucd95 \uac00\ub2a5\uc561\uc774 50\ub9cc\uc6d0\uc774\ub77c\uace0 \uac00\uc815\ud558\uba74, \uc544\ub798\ucc98\ub7fc \ub098\ub20c \uc218 \uc788\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n
\ud56d\ubaa9<\/th>\n\uae08\uc561<\/th>\n\uc6a9\ub3c4 \ubc0f \uc124\uba85<\/th>\n<\/tr>\n<\/thead>\n
\ube44\uc0c1\uae08 \uc801\ub9bd<\/td>\n10\ub9cc\uc6d0<\/td>\n\ud30c\ud0b9\ud1b5\uc7a5, \ube44\uc0c1\uae08 300\ub9cc\uc6d0 \ucc44\uc6b8 \ub54c\uae4c\uc9c0 \uc6b0\uc120 \uc801\ub9bd<\/td>\n<\/tr>\n
ETF \ud22c\uc790 (\uc5f0\uae08\uc800\ucd95\/ISA)<\/td>\n25\ub9cc\uc6d0<\/td>\nS&P500\u00b7\uc804\uc138\uacc4 ETF, \uc808\uc138 \uacc4\uc88c \uc6b0\uc120 \ud65c\uc6a9<\/td>\n<\/tr>\n
\ub2e8\uae30 \ubaa9\ub3c8 \uc801\uae08<\/td>\n15\ub9cc\uc6d0<\/td>\n1~2\ub144 \ub0b4 \uc4f8 \ubaa9\ub3c8 (\uc5ec\ud589, \uc774\uc0ac \ubcf4\uc99d\uae08 \ub4f1)<\/td>\n<\/tr>\n
\ud569\uacc4<\/td>\n50\ub9cc\uc6d0<\/td>\n\ube44\uc0c1\uae08\u00b7\ud22c\uc790\u00b7\ub2e8\uae30 \ubaa9\ub3c8\uc774 \ub3d9\uc2dc\uc5d0 \uc313\uc784<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\ube44\uc0c1\uae08\uc774 300\ub9cc\uc6d0\uc5d0 \ub3c4\ub2ec\ud558\uba74 \uadf8 10\ub9cc\uc6d0\uc744 ETF \ud22c\uc790\ub85c \uc62e\uae30\uba74 \ub41c\ub2e4.
\n\uadf8\ub7ec\uba74 \uc6d4 35\ub9cc\uc6d0\uc774 \uc7a5\uae30 \ud22c\uc790\ub85c \ub4e4\uc5b4\uac00\uace0, 15\ub9cc\uc6d0\uc774 \ub2e8\uae30 \ubaa9\ub3c8\uc73c\ub85c \uc313\uc778\ub2e4.\n<\/p>\n

\n\ubb3c\ub860 \uc6d4 50\ub9cc\uc6d0 \uc800\ucd95\ub3c4 \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc774\ub77c\uba74 \uae08\uc561\uc744 \ub0ae\ucdb0\ub3c4 \ub41c\ub2e4.
\n\uc911\uc694\ud55c \uac74 \ube44\uc728\uc774\ub2e4. \ube44\uc0c1\uae08 20%, \uc7a5\uae30 \ud22c\uc790 50%, \ub2e8\uae30 \ubaa9\ub3c8 30% \uc815\ub3c4\uc758 \ube44\uc728\uc744
\n\ubcf8\uc778 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc870\uc815\ud558\uba74 \ub41c\ub2e4. \uae08\uc561\uc774 \uc791\uc544\ub3c4 \ube44\uc728 \uad6c\uc870\ub97c \uc720\uc9c0\ud558\ub294 \uac8c \ud575\uc2ec\uc774\ub2e4.\n<\/p>\n

\"\uc804\ub7b5\ubcc4
\u25b2 \uc9e0\ud14c\ud06c\ub9cc \ud574\ub3c4, \ud22c\uc790\ub9cc \ud574\ub3c4 \ube60\uc9c0\ub294 \ud56d\ubaa9\uc774 \uc788\ub2e4 \u2014 \ubcd1\ud589\uc774 \uade0\ud615\uc744 \uc7a1\ub294\ub2e4<\/figcaption><\/figure>\n

\n\uc9e0\ud14c\ud06c\ub294 \uc5b4\ub290 \uc218\uc900\uae4c\uc9c0 \ud574\uc57c \ud558\ub098<\/h2>\n

\n\uc9e0\ud14c\ud06c\uc5d0 \uc9d1\ucc29\ud558\ub2e4 \ubcf4\uba74 \uc0b6\uc758 \uc9c8\uc774 \uc9c0\ub098\uce58\uac8c \ub0ae\uc544\uc9c0\ub294 \uacbd\uc6b0\uac00 \uc788\ub2e4.
\n\uba39\uace0 \uc2f6\uc740 \uac70 \ubabb \uba39\uace0, \uce5c\uad6c \uc57d\uc18d\ub3c4 \uc904\uc774\uace0, \ucde8\ubbf8\ub3c4 \ud3ec\uae30\ud558\uba74\uc11c \uc2a4\ud2b8\ub808\uc2a4\uac00 \uc313\uc774\ub2e4\uac00
\n\uc5b4\ub290 \uc21c\uac04 \ubc18\ub3d9 \uc18c\ube44\ub97c \ud558\uac8c \ub41c\ub2e4. \uba87 \ub2ec \uc544\ub080 \uac8c \ud558\ub8e8 \ub9cc\uc5d0 \ub0a0\uc544\uac00\ub294 \uc2dd\uc774\ub2e4.\n<\/p>\n

\n\ub098\ub294 \uc9e0\ud14c\ud06c\uc758 \uc801\uc815 \uc218\uc900\uc744 “\uc800\ucd95 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud55c \ud6c4 \ub098\uba38\uc9c0\ub97c \uc790\uc720\ub86d\uac8c \uc4f0\ub294 \uac83”<\/strong>\uc73c\ub85c \uc815\uc758\ud558\uace0 \uc2f6\ub2e4.
\n\uc800\ucd95 \uc790\ub3d9\uc774\uccb4\uac00 \ube60\uc9c4 \ub4a4\uc5d0 \ub0a8\uc740 \ub3c8\uc740 \uc8c4\ucc45\uac10 \uc5c6\uc774 \uc368\ub3c4 \ub41c\ub2e4.
\n\uadf8\uac8c \ubc25\uac12\uc774\ub4e0, \uc637\uac12\uc774\ub4e0, \uc5ec\ud589\uc774\ub4e0. \ub2e4\ub9cc \uadf8 \ubc94\uc704\ub97c \ub118\uc5b4\uc11c \uce74\ub4dc \ube5a\uc744 \uc9c0\ub294 \uac83\ub9cc \ub9c9\uc73c\uba74 \ub41c\ub2e4.\n<\/p>\n

\n\uc9e0\ud14c\ud06c\ub97c “\ubb34\uc870\uac74 \uc801\uac8c \uc4f0\uae30”\uac00 \uc544\ub2c8\ub77c “\uc800\ucd95 \ubaa9\ud45c \ub2ec\uc131 \ud6c4 \ub098\uba38\uc9c0 \uc720\uc5f0\ud558\uac8c \uc4f0\uae30”\ub85c
\n\uc815\uc758\ud558\uba74 \ud6e8\uc52c \uc9c0\uc18d \uac00\ub2a5\ud558\ub2e4. \uadf8\ub9ac\uace0 \uadf8 \uc800\ucd95 \ubaa9\ud45c\uc5d0 \ud22c\uc790\ub3c4 \ud3ec\ud568\ub418\uc5b4 \uc788\uc73c\uba74 \uc790\uc5f0\uc2a4\ub7fd\uac8c \ubcd1\ud589\uc774 \ub41c\ub2e4.\n<\/p>\n

\n\uc785\uc0ac \uc5f0\ucc28\ubcc4 \uc9d1\uc911 \ubc29\ud5a5<\/h2>\n

\n\ucd08\ub144\uc0dd\uc774\ub77c\uace0 \ub2e4 \uac19\uc740 \uc0c1\ud669\uc740 \uc544\ub2c8\ub2e4. \uc785\uc0ac 1\ub144\ucc28\uc640 3\ub144\ucc28\ub294 \uc0c1\ud669\uc774 \ub2e4\ub974\ub2e4.
\n\ub300\ub7b5\uc801\uc778 \uae30\uc900\uc744 \uc815\ub9ac\ud558\uba74 \uc774\ub807\ub2e4.\n<\/p>\n

\n

\uc785\uc0ac 1\ub144\ucc28 (\ube44\uc0c1\uae08 \uc6b0\uc120)<\/p>\n

\n– \ube44\uc0c1\uae08 \ubaa9\ud45c: \uc6d4 \uace0\uc815 \uc9c0\ucd9c\uc758 3~6\uac1c\uc6d4\uce58 (\ubcf4\ud1b5 150~300\ub9cc\uc6d0)
\n– \ud30c\ud0b9\ud1b5\uc7a5 \ub610\ub294 6\uac1c\uc6d4 \uc801\uae08\uc73c\ub85c \ube60\ub974\uac8c \uc313\uae30
\n– \ud22c\uc790\ub294 \uc18c\uc561\uc73c\ub85c \ubcd1\ud589 \uc2dc\uc791 (\uc5f0\uae08\uc800\ucd95 \uc6d4 10~20\ub9cc\uc6d0 \uc218\uc900)
\n– \uc774 \uc2dc\uae30\uc758 \ud575\uc2ec: \uc18c\ube44 \uad6c\uc870 \uc7a1\uae30 + \ube44\uc0c1\uae08 \ud655\ubcf4\n<\/p>\n<\/div>\n

\n

\uc785\uc0ac 2~3\ub144\ucc28 (\ud22c\uc790 \ube44\uc911 \ud655\ub300)<\/p>\n

\n– \ube44\uc0c1\uae08 \ud655\ubcf4 \uc644\ub8cc \ud6c4 \ud22c\uc790 \ube44\uc911 50% \uc774\uc0c1\uc73c\ub85c \uc62c\ub9ac\uae30
\n– \uc5f0\uae08\uc800\ucd95 + ISA \uc911\uac1c\ud615\uc73c\ub85c ETF \uc801\ub9bd
\n– \uc5f0\ubd09 \uc778\uc0c1\ubd84\uc744 \ud22c\uc790 \ub0a9\uc785\uc561 \uc99d\uac00\ub85c \uc5f0\uacb0
\n– \uc774 \uc2dc\uae30\uc758 \ud575\uc2ec: \ud22c\uc790 \uc2b5\uad00 \uace0\ucc29\ud654 + \uc6d0\uae08 \uaddc\ubaa8 \ud0a4\uc6b0\uae30\n<\/p>\n<\/div>\n

\n

\uc785\uc0ac 3\ub144\ucc28 \uc774\ud6c4 (\ubaa9\uc801\ubcc4 \uc790\uc0b0 \ubd84\ub9ac)<\/p>\n

\n– \ub2e8\uae30 \ubaa9\ub3c8 (\uc774\uc0ac\u00b7\uacb0\ud63c \ub4f1) \/ \uc7a5\uae30 \ud22c\uc790 \/ \ube44\uc0c1\uae08\uc744 \uac01\uac01 \ubd84\ub9ac \uad00\ub9ac
\n– \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1 \uc5f0 1\ud68c
\n– \ubaa9\ud45c \uc2dc\uc810\uc774 \ub2e4\ub978 \uc790\uae08\uc744 \uc11e\uc9c0 \uc54a\ub294 \uac83\uc774 \ud575\uc2ec
\n– \uc774 \uc2dc\uae30\uc758 \ud575\uc2ec: \uc790\uc0b0 \uad6c\uc870\ud654 + \ubaa9\uc801\ubcc4 \uacc4\uc88c \ubd84\ub9ac\n<\/p>\n<\/div>\n

\n\uac00\uc7a5 \ud754\ud55c \uc624\ud574 \ud558\ub098<\/h2>\n

\n“\ud22c\uc790\ub294 \ub3c8\uc774 \ucda9\ubd84\ud788 \uc788\uc5b4\uc57c \ud558\ub294 \uac83”\uc774\ub77c\ub294 \uc0dd\uac01\uc774\ub2e4.
\n\uc8fc\ubcc0\uc744 \ubcf4\uba74 “\ub098\ub294 \ub3c8\uc774 \uc5c6\uc5b4\uc11c \ud22c\uc790\ub97c \ubabb \ud574”\ub77c\uace0 \ud558\uba74\uc11c
\n\uc0ac\uc2e4\uc740 \uc18c\ube44\ub97c \uc904\uc774\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4.
\n\uc6d4 10\ub9cc\uc6d0\uc774\ub77c\ub3c4 ETF\ub97c \uc0ac\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac8c \uc6d4 300\ub9cc\uc6d0\uc744 \ud55c\uaebc\ubc88\uc5d0 \ub123\ub294 \uac83\ubcf4\ub2e4
\n\uc7a5\uae30\uc801\uc73c\ub85c\ub294 \ub354 \uc88b\uc740 \uacb0\uacfc\ub97c \ub0b4\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \uc2dc\uac04\uc774 \uc6d0\uae08\uc744 \ub300\uc2e0\ud558\uae30 \ub54c\ubb38\uc774\ub2e4.\n<\/p>\n

\n\ubc18\ub300\ub85c, \uc9e0\ud14c\ud06c\uac00 \ucda9\ubd84\ud788 \uc548 \ub41c \uc0c1\ud0dc\uc5d0\uc11c \ud22c\uc790\uc5d0\ub9cc \uc9d1\uc911\ud558\uba74
\n\uc8fc\uac00\uac00 \ub5a8\uc5b4\uc84c\uc744 \ub54c \ubc84\ud2f8 \ud604\uae08\uc774 \uc5c6\uc5b4\uc11c \uacb0\uad6d \ud314\uac8c \ub41c\ub2e4.
\n\uc9e0\ud14c\ud06c\uac00 \ud22c\uc790\uc758 \uc778\ud504\ub77c\ub77c\ub294 \ub9d0\uc774 \uadf8\ub798\uc11c \ub9de\ub2e4.
\n\ud558\uc9c0\ub9cc \uc778\ud504\ub77c\uac00 \uc644\ubcbd\ud574\uc9c8 \ub54c\uae4c\uc9c0 \ud22c\uc790\ub97c \ubbf8\ub8e8\ub294 \uac83\ub3c4 \uc190\ud574\ub2e4.\n<\/p>\n

\n\uacb0\uad6d \ucd08\ub144\uc0dd \ub54c\ub294 \uc9e0\ud14c\ud06c\ub85c \uad6c\uc870\ub97c \uc7a1\uc73c\uba74\uc11c, \ub3d9\uc2dc\uc5d0 \uc791\uc740 \uae08\uc561\ubd80\ud130 \ud22c\uc790\ub97c \uc2dc\uc791\ud558\ub294 \uac8c \ub9de\ub2e4.
\n\ub300\ub2e8\ud55c \uc804\ub7b5\uc774 \uc544\ub2c8\ub77c \uadf8\ub0e5 \ub458 \ub2e4 \uc870\uae08\uc529, \uc9c0\uae08 \ub2f9\uc7a5 \uc2dc\uc791\ud558\ub294 \uac83\uc774\ub2e4.\n<\/p>\n

\n

\ud575\uc2ec \uc815\ub9ac<\/p>\n

\n\u2714 \uc9e0\ud14c\ud06c\uc640 \ud22c\uc790\ub294 \ub300\ub9bd \uad00\uacc4\uac00 \uc544\ub2c8\ub77c \uc6d0\uae08 \ucd95\uc801 \u2192 \ubcf5\ub9ac \uc131\uc7a5\uc758 \uc21c\uc11c \uad00\uacc4
\n\u2714 \ud22c\uc790\ub97c “\ub098\uc911\uc5d0”\ub85c \ubbf8\ub8e8\ub294 \uac83\uc740 \uc2dc\uac04 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\ub294 \uc190\ud574
\n\u2714 \ud22c\uc790\ub9cc \ud558\uba74 \ube44\uc0c1\uae08 \ubd80\uc871\uc73c\ub85c \uc190\uc2e4 \ub9e4\ub3c4 \uc704\ud5d8, \uc9e0\ud14c\ud06c\ub9cc \ud558\uba74 \uc778\ud50c\ub808\uc774\uc158\uc5d0 \uc790\uc0b0 \ub179\uc74c
\n\u2714 \ube44\uc0c1\uae08(\ud30c\ud0b9\ud1b5\uc7a5) + \uc7a5\uae30 \ud22c\uc790(ETF) + \ub2e8\uae30 \ubaa9\ub3c8(\uc801\uae08) 3\ubd84\ud560\uc774 \uae30\ubcf8 \uad6c\uc870
\n\u2714 \ube44\uc0c1\uae08 \ud655\ubcf4 \uc804\uae4c\uc9c0\ub294 \uc9e0\ud14c\ud06c \uc911\uc2ec \u2192 \ud655\ubcf4 \ud6c4 \ud22c\uc790 \ube44\uc911 \uc810\uc9c4\uc801 \ud655\ub300
\n\u2714 \uc5f0\ubd09 \uc778\uc0c1\ubd84\uc740 \uc18c\ube44\ub85c \ud761\uc218\ud558\uc9c0 \ub9d0\uace0 \ud22c\uc790 \ub0a9\uc785\uc561 \uc99d\uac00\ub85c \uc5f0\uacb0\ud560 \uac83\n<\/p>\n<\/div>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

\uc0ac\ud68c\ucd08\ub144\uc0dd \ub54c \uac00\uc7a5 \ub9ce\uc774 \ub4e3\ub294 \ub9d0\uc774 \ub450 \uac00\uc9c0\ub2e4. “\uc9c0\uae08\ubd80\ud130 \ud22c\uc790\ud574\uc57c \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ub204\ub9b0\ub2e4”\uc640 “\uc77c\ub2e8 \ud5c8\ub9ac\ub760 \uc878\ub77c\ub9e4\uace0 \uc885\uc7a3\ub3c8\ubd80\ud130 \ubaa8\uc544\ub77c”. \ub458 \ub2e4 \ub9de\ub294 \ub9d0\uc774\ub77c\uc11c \uc624\ud788\ub824 \ud5f7\uac08\ub9b0\ub2e4. \uadf8\ub7ec\ub2e4 \uacb0\uad6d \uc544\ubb34\uac83\ub3c4 \uc81c\ub300\ub85c \ubabb \ud558\uac70\ub098, \uc9e0\ud14c\ud06c\ub9cc \ud558\uba74\uc11c “\ud22c\uc790\ub294 \ub098\uc911\uc5d0”\ub97c \ubb34\ud55c \ubc18\ubcf5\ud558\uac8c \ub41c\ub2e4. \ub098\ub3c4 \uccab 2\ub144\uc744 \uac70\uc758 \uc9e0\ud14c\ud06c\ub9cc \ud588\ub2e4. \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uac74 \uc798 \ub410\ub294\ub370, \ubaa8\uc778 \ub3c8\uc744 \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud574\uc57c \ud558\ub294\uc9c0 \ubab0\ub77c\uc11c \ud30c\ud0b9\ud1b5\uc7a5\uc5d0\ub9cc … \ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":118,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-121","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\/121","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=121"}],"version-history":[{"count":0,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/121\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/media\/118"}],"wp:attachment":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=121"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=121"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}