{"id":138,"date":"2026-05-27T10:44:58","date_gmt":"2026-05-27T01:44:58","guid":{"rendered":"https:\/\/jusikrank.pe.kr\/?p=138"},"modified":"2026-05-27T10:44:58","modified_gmt":"2026-05-27T01:44:58","slug":"%ec%b2%ad%eb%85%84%ed%9d%ac%eb%a7%9d%ec%a0%81%ea%b8%88-%ec%a2%85%eb%a3%8c-%ed%9b%84-%eb%8c%80%ec%b2%b4%ed%95%a0-%ec%88%98-%ec%9e%88%eb%8a%94-%ea%b3%a0%ea%b8%88%eb%a6%ac-%ec%83%81%ed%92%88%ec%9d%80","status":"publish","type":"post","link":"https:\/\/jusikrank.pe.kr\/?p=138","title":{"rendered":"\uccad\ub144\ud76c\ub9dd\uc801\uae08 \uc885\ub8cc \ud6c4 \ub300\uccb4\ud560 \uc218 \uc788\ub294 \uace0\uae08\ub9ac \uc0c1\ud488\uc740?"},"content":{"rendered":"
\n

\n\uccad\ub144\ud76c\ub9dd\uc801\uae08\uc774 2024\ub144\uc5d0 \ub9cc\uae30\uac00 \ub3cc\uc544\uc624\uac70\ub098 \uc2e0\uaddc \uac00\uc785\uc774 \uc885\ub8cc\ub418\uba74\uc11c,
\n“\uadf8\ub7fc \uc774\uc81c \uc5b4\ub514\ub2e4 \ub123\uc5b4\uc57c \ud558\ub098?” \ud558\ub294 \uc9c8\ubb38\uc774 \ub9ce\uc544\uc84c\ub2e4.
\n\ub098\ub3c4 \ube44\uc2b7\ud55c \uc0c1\ud669\uc774\uc5c8\ub2e4. \uccad\ub144\ud76c\ub9dd\uc801\uae08 \ub9cc\uae30 \ud6c4 \uc190\uc5d0 \uc954 \ub3c8\uc744 \uadf8\ub0e5 \ud30c\ud0b9\ud1b5\uc7a5\uc5d0 \ub123\uc5b4\ub450\uae30\uc5d4
\n\uc544\uae5d\ub2e4\ub294 \uc0dd\uac01\uc774 \ub4e4\uc5c8\uace0, \uc5ec\ub7ec \uc0c1\ud488\uc744 \uc9c1\uc811 \ube44\uad50\ud574\ubd24\ub2e4.\n<\/p>\n

\n\uacb0\ub860\ubd80\ud130 \ub9d0\ud558\uba74 \uccad\ub144\ud76c\ub9dd\uc801\uae08\uc744 \uc644\ubcbd\ud558\uac8c \ub300\uccb4\ud558\ub294 \uc0c1\ud488\uc740 \uc5c6\ub2e4.
\n\uc5f0 10% \uc218\uc900\uc758 \uc2e4\uc9c8 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc0c1\ud488\uc740 2025~2026\ub144 \uae30\uc900\uc73c\ub85c \uc0ac\uc2e4\uc0c1 \uc5c6\uae30 \ub54c\ubb38\uc774\ub2e4.
\n\uadf8\ub807\ub2e4\uace0 \ud3ec\uae30\ud560 \uc774\uc720\ub3c4 \uc5c6\ub2e4. \uc0c1\ud669\uc5d0 \ub530\ub77c \uccad\ub144\ub3c4\uc57d\uacc4\uc88c\u00b7\uc911\uac1c\ud615 ISA\u00b7\uc800\ucd95\uc740\ud589 \ud2b9\ud310 \uc801\uae08\uc744
\n\uc870\ud569\ud558\uba74 \uaf64 \uad1c\ucc2e\uc740 \uc218\uc775\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub2e4.\n<\/p>\n

\n\uccad\ub144\ud76c\ub9dd\uc801\uae08\uc774 \uc65c \uadf8\ub807\uac8c \uc88b\uc558\ub098<\/h2>\n

\n\uccad\ub144\ud76c\ub9dd\uc801\uae08\uc740 \ud45c\uba74 \uae08\ub9ac\uac00 5~6% \uc218\uc900\uc774\uc5c8\uc9c0\ub9cc
\n\uc815\ubd80\uac00 \uc800\ucd95\uc7a5\ub824\uae08\uc744 1~2\ub144 \ucc28\ubcc4\ub85c \uc9c0\uae09\ud558\uba74\uc11c \uc2e4\uc9c8 \ud61c\ud0dd\uc740 \uc5f0 10% \uc218\uc900\uc774\uc5c8\ub2e4.
\n\uc774\uc790 \uc804\uc561 \ube44\uacfc\uc138\uc5d0\ub2e4 \uc815\ubd80\uac00 \ud604\uae08\uc744 \uc5b9\uc5b4\uc8fc\ub294 \uad6c\uc870\uc600\uc73c\ub2c8,
\n\uc2dc\uc911\uc5d0\uc11c \uc720\uc0ac\ud55c \uc218\uc900\uc744 \ucc3e\uae30\uac00 \uc560\ucd08\uc5d0 \uc5b4\ub835\ub2e4.\n<\/p>\n

\n2024\ub144 2\uc6d4 27\uc77c\uc5d0 \uc2e0\uaddc \uac00\uc785\uc774 \uc885\ub8cc\ub410\uace0, \uae30\uc874 \uac00\uc785\uc790\ub4e4\uc740 2024~2025\ub144 \uc911 \uc21c\ucc28\uc801\uc73c\ub85c \ub9cc\uae30\ub97c \ub9de\uc558\ub2e4.
\n\ubb38\uc81c\ub294 \ub9cc\uae30 \ud6c4 \ubc1b\uc740 \ub3c8\uc744 \uc5b4\ub514\uc5d0 \uad74\ub9b4\uc9c0\ub2e4.
\n\uc740\ud589 \uc608\uae08 \uae08\ub9ac\uac00 \ub2e4\uc2dc 3%\ub300\ub85c \ub0b4\ub824\uc549\uc740 \uc2dc\uc810\uc5d0\uc11c \uc120\ud0dd\uc9c0\ub97c \uc81c\ub300\ub85c \ud30c\uc545\ud574\uc57c \uc190\ud574\ub97c \uc904\uc77c \uc218 \uc788\ub2e4.\n<\/p>\n

\n\ub300\uccb4 \uc0c1\ud488 5\uac00\uc9c0 \uc194\uc9c1 \ube44\uad50<\/h2>\n

\n\uc544\ub798 \uc0c1\ud488\ub4e4\uc744 \uc6d4 50\ub9cc\uc6d0, 2\ub144 \ub0a9\uc785 \uae30\uc900\uc73c\ub85c \uc9c1\uc811 \uacc4\uc0b0\ud574\ubd24\ub2e4.
\n(\uccad\ub144\ub3c4\uc57d\uacc4\uc88c\ub294 5\ub144 \uc0c1\ud488\uc774\ub77c 5\ub144\uce58\ub85c \ubcc4\ub3c4 \ud45c\uae30\ud588\ub2e4.)\n<\/p>\n

\"\uc6d4
\u25b2 \uc6d4 50\ub9cc\uc6d0 \u00b7 2\ub144 \ub0a9\uc785 \uae30\uc900 \u2014 \ub300\uccb4 \uc0c1\ud488\ubcc4 \ub9cc\uae30 \uc218\ub839\uc561 \ube44\uad50 (\ub2e8\uc704: \ub9cc\uc6d0)<\/figcaption><\/figure>\n

\u2460 \uccad\ub144\ub3c4\uc57d\uacc4\uc88c: 5\ub144 \uc57d\uc815\uc774 \ubd80\ub2f4\uc774\ub77c\uba74 \uc2e0\uc911\ud558\uac8c<\/h3>\n

\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c\ub294 \uc6d4 \ucd5c\ub300 70\ub9cc\uc6d0, 5\ub144 \ub9cc\uae30 \uc0c1\ud488\uc774\ub2e4.
\n\uc815\ubd80\uae30\uc5ec\uae08(\uc6d4 \ucd5c\ub300 2\ub9cc 4\ucc9c\uc6d0) + \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \ud575\uc2ec\uc774\ub2e4.
\n\uacc4\uc0b0\ud574\ubcf4\uba74 \uc6d4 70\ub9cc\uc6d0\uc529 5\ub144 \ub123\uc744 \uacbd\uc6b0 \uc77c\ubc18 \uc801\uae08 \ub300\ube44 500~700\ub9cc\uc6d0\uc744 \ub354 \ubc1b\uc744 \uc218 \uc788\ub2e4.\n<\/p>\n

\n\uadf8\ub7f0\ub370 \ud575\uc2ec \ubb38\uc81c\uac00 \uc788\ub2e4. 5\ub144\uc744 \ucc44\uc6cc\uc57c \ud55c\ub2e4<\/strong>\ub294 \uac83\uc774\ub2e4.
\n\uc911\ub3c4 \ud574\uc9c0\ud558\uba74 \uc815\ubd80\uae30\uc5ec\uae08 \uc804\uc561 \ubc18\ud658\uc5d0 \ube44\uacfc\uc138\ub3c4 \uc18c\uae09 \uc801\uc6a9\ub41c\ub2e4.
\n\uc0ac\ud68c\ucd08\ub144\uc0dd \uc785\uc7a5\uc5d0\uc11c 5\ub144\uc774\ub77c\ub294 \uae30\uac04\uc740 \uacb0\ud63c, \uc774\uc0ac, \ucc3d\uc5c5, \uc720\ud559 \ub4f1 \ubcc0\uc218\uac00 \ub9ce\ub2e4.
\n\uac00\uc785 \uc804\uc5d0 “\ub098\ub294 5\ub144 \ub3d9\uc548 \uc774 \ub3c8\uc744 \uc190\ub300\uc9c0 \uc54a\uc544\ub3c4 \uad1c\ucc2e\uc740\uac00”\ub97c \uba3c\uc800 \ub530\uc838\ubd10\uc57c \ud55c\ub2e4.\n<\/p>\n

\n

\n\ud83d\udca1 \uafc0\ud301:<\/strong> \uccad\ub144\ub3c4\uc57d\uacc4\uc88c\ub294 \uc790\uc720 \ub0a9\uc785<\/strong>\uc774\ub77c \uc6d4 1,000\uc6d0\ubd80\ud130 \ub123\uc744 \uc218 \uc788\ub2e4.
\n\uc5ec\uc720\uac00 \uc5c6\ub294 \ub2ec\uc5d4 \ucd5c\uc18c \ub0a9\uc785\uc73c\ub85c \uc720\uc9c0\ud558\uace0, \uc5ec\uc720 \uc788\ub294 \ub2ec\uc5d0 \ubab0\uc544\ub123\ub294 \uc804\ub7b5\ub3c4 \uac00\ub2a5\ud558\ub2e4.
\n\ub2e8, \uc815\ubd80\uae30\uc5ec\uae08\uc740 \ub0a9\uc785\uc561 \uae30\uc900\uc73c\ub85c \uacc4\uc0b0\ub418\uae30 \ub54c\ubb38\uc5d0 \ub0a9\uc785\uc774 \uc801\uc73c\uba74 \uae30\uc5ec\uae08\ub3c4 \uc904\uc5b4\ub4e0\ub2e4.\n<\/p>\n<\/div>\n

\u2461 \uc911\uac1c\ud615 ISA: 2~3\ub144 \uc6b4\uc6a9\ud558\uba74\uc11c \uc138\uae08\ub3c4 \uc544\ub07c\ub294 \ubc29\ubc95<\/h3>\n

\nISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub294 \uad6d\ub0b4 \uc8fc\uc2dd\u00b7ETF\u00b7\uc608\uae08\u00b7\ud380\ub4dc\ub97c \ud558\ub098\uc758 \uacc4\uc88c\uc5d0\uc11c \uc6b4\uc6a9\ud558\uba74\uc11c
\n\uc218\uc775\uc5d0 \ub300\ud574 200\ub9cc\uc6d0(\uc11c\ubbfc\ud615\uc740 400\ub9cc\uc6d0)\uae4c\uc9c0 \ube44\uacfc\uc138, \uadf8 \ucd08\uacfc\ubd84\uc740 9.9% \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\ub294\ub2e4.
\n\uc77c\ubc18 \uae08\uc735\uc18c\ub4dd\uc5d0 \ubd99\ub294 15.4%\uc640 \ube44\uad50\ud558\uba74 \uc138\uae08\uc744 \uaf64 \uc544\ub084 \uc218 \uc788\ub2e4.\n<\/p>\n

\n\ucd5c\uc18c \uc758\ubb34 \uc720\uc9c0 \uae30\uac04\uc774 3\ub144\uc774\ub77c\ub294 \uc810\uc774 \uac78\ub9ac\uc9c0\ub9cc,
\n3\ub144 \ud6c4 \ub9cc\uae30 \ub54c \ud574\uc9c0\ud558\uace0 \uc790\uae08\uc744 \ub2e4\uc2dc \uccad\ub144\ub3c4\uc57d\uacc4\uc88c\ub85c \uc774\ub3d9\ud558\uac70\ub098
\n\ub2e4\uc74c ISA\uc5d0 \ub2e4\uc2dc \ub123\ub294 \ubc29\uc2dd\uc73c\ub85c \uc21c\ud658\uc2dc\ud0ac \uc218 \uc788\ub2e4.
\n\ub2e8\uc21c \uc608\uae08 \ub300\uc2e0 ISA \uc548\uc5d0\uc11c \ub2e8\uae30\ucc44 ETF\ub098 MMF\ub97c \ub2f4\uc73c\uba74 \ud604\uae08\uc131 \uc790\uc0b0\ubcf4\ub2e4 \uae08\ub9ac \ud6a8\uc728\uc774 \ub192\ub2e4.\n<\/p>\n

\n

\n\ud83d\udccc ISA \uc720\ud615 \uc120\ud0dd \ud3ec\uc778\ud2b8:<\/strong>
\n– \uc2e0\ud0c1\ud615<\/strong>: \uc608\uae08\u00b7\ucc44\uad8c \uc704\uc8fc, \uc6d0\uae08 \ubcf4\uc7a5\uc5d0 \uac00\uae4c\uc6c0
\n– \uc77c\uc784\ud615<\/strong>: \uc99d\uad8c\uc0ac\uac00 \uc54c\uc544\uc11c \uc6b4\uc6a9, \uc218\uc218\ub8cc \ubc1c\uc0dd
\n– \uc911\uac1c\ud615<\/strong>: \uc9c1\uc811 ETF\u00b7\uc8fc\uc2dd \ub9e4\ub9e4 \uac00\ub2a5 \u2014 \uc790\uc720\ub3c4 \uac00\uc7a5 \ub192\uc74c. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc911\uac1c\ud615 \ucd94\ucc9c\n<\/p>\n<\/div>\n

\u2462 \uc800\ucd95\uc740\ud589 \ud2b9\ud310 \uc801\uae08: 5~6% \uae08\ub9ac, \ub2e8 \uc870\uac74\uc744 \uaf3c\uaf3c\ud788<\/h3>\n

\n\uc800\ucd95\uc740\ud589\ub4e4\uc740 \uc790\uae08 \uc870\ub2ec\uc744 \uc704\ud574 \uc8fc\uae30\uc801\uc73c\ub85c \uace0\uae08\ub9ac \ud2b9\ud310 \uc0c1\ud488\uc744 \ub0b4\ub193\ub294\ub2e4.
\n2025~2026\ub144 \uae30\uc900\uc73c\ub85c \uc5f0 5~6% \uc218\uc900\uc758 1\ub144\uc9dc\ub9ac \uc815\uae30 \uc801\uae08\uc744 \ucc3e\ub294 \uac8c \uc5b4\ub835\uc9c0 \uc54a\ub2e4.
\n\uc2dc\uc911\uc740\ud589 \uc815\uae30\uc801\uae08\uc774 \uc5f0 3%\ub300\uc5d0 \uba38\ubb34\ub294 \uac83\uacfc \ube44\uad50\ud558\uba74 \uaf64 \ud070 \ucc28\uc774\ub2e4.\n<\/p>\n

\n\uc8fc\uc758\ud560 \uc810\uc740 \uc608\uae08\uc790\ubcf4\ud638 \ud55c\ub3c4(5,000\ub9cc\uc6d0)<\/strong>\ub97c \ud655\uc778\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc774\ub2e4.
\n\uc800\ucd95\uc740\ud589\uc740 \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4 \ubd80\uc2e4 \uc704\ud5d8\uc774 \ub192\uc73c\ub2c8 \ud55c \uacf3\uc5d0 5,000\ub9cc\uc6d0 \uc774\uc0c1 \ub123\uc9c0 \uc54a\ub3c4\ub85d \ubd84\uc0b0\uc774 \ud544\uc694\ud558\ub2e4.
\n\ub610\ud55c \ud2b9\ud310 \uc0c1\ud488\uc740 \uc218\ub7c9\uc774 \ud55c\uc815\ub418\uc5b4 \uc788\uc5b4 \uacf5\uc9c0 \uc989\uc2dc \uc2e0\uccad\ud574\uc57c \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4.
\n\uc800\ucd95\uc740\ud589\uc911\uc559\ud68c(www.fsb.or.kr)\uc5d0\uc11c \uc804\uad6d \uc800\ucd95\uc740\ud589 \uae08\ub9ac\ub97c \ud55c\ubc88\uc5d0 \ube44\uad50\ud560 \uc218 \uc788\ub2e4.\n<\/p>\n

\u2463 \ud30c\ud0b9\ud1b5\uc7a5: \ub2e8\uae30 \ub300\uae30 \uc790\uae08\uc5d4 \ucd5c\uc801, \uc7a5\uae30 \uc6b4\uc6a9\uc5d4 \ubd80\uc801\ud569<\/h3>\n

\n\uccad\ub144\ud76c\ub9dd\uc801\uae08 \ub9cc\uae30 \ud6c4 \ubc1b\uc740 \ub3c8\uc744 \ub2f9\uc7a5 \uc5b4\ub514 \ub123\uc744\uc9c0 \uacb0\uc815 \ubabb \ud588\ub2e4\uba74,
\n\ud30c\ud0b9\ud1b5\uc7a5\uc774 \uc784\uc2dc \ubcf4\uad00 \uc7a5\uc18c\ub85c \uc801\ud569\ud558\ub2e4.
\n\ucf00\uc774\ubc45\ud06c\u00b7\uce74\uce74\uc624\ubc45\ud06c\u00b7\ud1a0\uc2a4\ubc45\ud06c\uc758 \ud30c\ud0b9\ud1b5\uc7a5 \uae08\ub9ac\ub294 2025~2026\ub144 \uae30\uc900 \uc5f0 3~4% \uc218\uc900\uc774\ub2e4.
\n\ud558\ub8e8 \ub2e8\uc704\ub85c \uc774\uc790\ub97c \uacc4\uc0b0\ud558\uae30 \ub54c\ubb38\uc5d0 \uc5b8\uc81c \ube7c\ub3c4 \uadf8 \ub0a0\uae4c\uc9c0\uc758 \uc774\uc790\uac00 \uc313\uc778\ub2e4.\n<\/p>\n

\n\ub2e4\ub9cc \ud30c\ud0b9\ud1b5\uc7a5 \uae08\ub9ac\ub294 \uc5b8\uc81c\ub4e0 \ubc14\ub014 \uc218 \uc788\ub2e4.
\n\uc9c0\uae08\uc740 3.8%\ub77c\ub3c4 3\uac1c\uc6d4 \ud6c4\uc5d0 2.8%\ub85c \ub0b4\ub824\uac00\ub294 \uacbd\uc6b0\uac00 \ud754\ud558\ub2e4.
\n“\uc77c\ub2e8 \ud30c\ud0b9\ud1b5\uc7a5\uc5d0 \ub123\uace0, \uc88b\uc740 \uc0c1\ud488 \ucc3e\uc73c\uba74 \uc774\ub3d9\ud558\uc790”\ub294 \uc804\ub7b5\uc740 \uc720\ud6a8\ud558\uc9c0\ub9cc
\n\ucc3e\ub294 \uae30\uac04\uc774 \uae38\uc5b4\uc9c8\uc218\ub85d \uae30\ud68c\ube44\uc6a9\uc774 \uc0dd\uae34\ub2e4\ub294 \uc810\uc744 \uc78a\uc9c0 \ub9d0\uc790.\n<\/p>\n

\u2464 \uc5f0\uae08\uc800\ucd95\u00b7IRP: \uc138\uc561\uacf5\uc81c\uac00 \uc6b0\uc120\uc778 \uc0c1\ud669\uc774\ub77c\uba74<\/h3>\n

\n\uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \uc138\uae08\uc744 \ub9ce\uc774 \ubc49\uc5b4\ub0b4\uace0 \uc788\ub2e4\uba74, \uccad\ub144\ud76c\ub9dd\uc801\uae08 \ub9cc\uae30 \uc790\uae08 \uc911 \uc77c\ubd80\ub97c
\n\uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP\uc5d0 \ub123\ub294 \uac83\ub3c4 \ubc29\ubc95\uc774\ub2e4.
\n\uc5f0\uae08\uc800\ucd95 400\ub9cc\uc6d0 + IRP 300\ub9cc\uc6d0\uc744 \ub0a9\uc785\ud558\uba74 \ucd5c\ub300 700\ub9cc\uc6d0\uc5d0 \ub300\ud574 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\ub294\ub2e4.
\n\uc18c\ub4dd\uc5d0 \ub530\ub77c \ub2e4\ub974\uc9c0\ub9cc \uc5f0\ubd09 5,500\ub9cc\uc6d0 \uc774\ud558\ub77c\uba74 \ub0a9\uc785\uc561\uc758 16.5%\ub97c \ub3cc\ub824\ubc1b\ub294\ub2e4.
\n700\ub9cc\uc6d0 \ub0a9\uc785 \uc2dc \ucd5c\ub300 115\ub9cc 5\ucc9c\uc6d0\uc774 \ud658\uae09\ub41c\ub2e4.\n<\/p>\n

\n\ub2e8, \uc774 \ub3c8\uc740 \ub9cc 55\uc138 \uc774\ud6c4\uc5d0\ub098 \uc218\ub839\ud560 \uc218 \uc788\ub2e4. \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd99\ub294\ub2e4.
\n\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ub178\ud6c4 \ub300\ube44\ub77c\ub294 \uba85\ubaa9\ubcf4\ub2e4\ub294 “\uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba74\uc11c \uc7a5\uae30 \uc801\ub9bd”\ud558\ub294 \uac1c\ub150\uc73c\ub85c
\n\uc811\uadfc\ud558\ub294 \uac8c \ub9de\ub2e4.\n<\/p>\n

\"\ub0a9\uc785\uc561\ubcc4
\u25b2 \ub0a9\uc785\uc561\ubcc4 \uc8fc\uc694 \ub300\uccb4 \uc0c1\ud488 \ub9cc\uae30 \uc218\ub839\uc561 \ube44\uad50 (\uccad\ub144\ub3c4\uc57d\uacc4\uc88c 5\ub144 \/ \uc911\uac1c\ud615 ISA 2\ub144 \/ \uc800\ucd95\uc740\ud589 \ud2b9\ud310 2\ub144)<\/figcaption><\/figure>\n

\n\uc0c1\ud669\ubcc4 \ucd94\ucc9c \uc804\ub7b5 3\uac00\uc9c0<\/h2>\n

\n\uc815\ub2f5\uc740 \uc5c6\ub2e4. \ubcf8\uc778\uc758 \uc18c\ub4dd \uc218\uc900, \ubaa9\ub3c8 \uc0ac\uc6a9 \uacc4\ud68d, \ub0a9\uc785 \uac00\ub2a5 \uae08\uc561\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c4\ub2e4.
\n\uadf8\ub798\ub3c4 \uc815\ub9ac\ud558\uc790\uba74 \uc544\ub798 \uc138 \uac00\uc9c0 \ubc29\ud5a5 \uc911 \ud558\ub098\uac00 \ub300\ubd80\ubd84\uc758 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc5d0\uac8c \ub9de\uc744 \uac83 \uac19\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n
\uc0c1\ud669<\/th>\n\ucd94\ucc9c \uc804\ub7b5<\/th>\n\uc774\uc720<\/th>\n<\/tr>\n<\/thead>\n
5\ub144 \uc5ec\uc720 \uc788\uace0 \ub9cc 34\uc138 \uc774\ud558<\/td>\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c \ucd5c\uc6b0\uc120<\/td>\n\uc815\ubd80\uae30\uc5ec\uae08 + \ube44\uacfc\uc138 \uc870\ud569\uc774 \uac00\uc7a5 \uac15\ub825<\/td>\n<\/tr>\n
2~3\ub144 \ub0b4 \ubaa9\ub3c8 \uc0ac\uc6a9 \uacc4\ud68d \uc788\uc74c<\/td>\n\uc911\uac1c\ud615 ISA + \uc800\ucd95\uc740\ud589 \ud2b9\ud310<\/td>\n\ube44\uacfc\uc138 \ud61c\ud0dd\uc5d0 \uae08\ub9ac \uadf9\ub300\ud654, \uc720\ub3d9\uc131 \ud655\ubcf4<\/td>\n<\/tr>\n
\uc5f0\ub9d0\uc815\uc0b0 \ud658\uae09\uc774 \uc801\uc5b4 \ubd88\ub9cc<\/td>\n\uc5f0\uae08\uc800\ucd95 + IRP \uc138\uc561\uacf5\uc81c<\/td>\n\ub0a9\uc785\uc561\uc758 \ucd5c\ub300 16.5% \uc989\uc2dc \ud658\uae09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\ub0b4\uac00 \uc2e4\uc81c\ub85c \uc120\ud0dd\ud55c \ubc29\ubc95<\/h2>\n

\n\uccad\ub144\ud76c\ub9dd\uc801\uae08 \ub9cc\uae30 \uc774\ud6c4 \ub098\ub294 \ub9cc\uae30 \uc218\ub839\uc561\uc744 \uc138 \ub369\uc5b4\ub9ac\ub85c \ub098\ub234\ub2e4.
\n\uc808\ubc18\uc740 \uccad\ub144\ub3c4\uc57d\uacc4\uc88c \ub0a9\uc785 \uc7ac\uc6d0\uc73c\ub85c, 30%\ub294 \uc911\uac1c\ud615 ISA\uc5d0 ETF\ub85c \uc6b4\uc6a9,
\n\ub098\uba38\uc9c0 20%\ub294 \uc800\ucd95\uc740\ud589 1\ub144 \ud2b9\ud310 \uc801\uae08\uc5d0 \ub123\uc5c8\ub2e4.\n<\/p>\n

\n\uc644\ubcbd\ud55c \uc120\ud0dd\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc9c4 \uc54a\ub294\ub2e4.
\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c 5\ub144 \uc720\uc9c0\uac00 \uacfc\uc5f0 \uac00\ub2a5\ud560\uc9c0 \uc194\uc9c1\ud788 \uc790\uc2e0\uc774 \uc5c6\uc5c8\uace0,
\n\uadf8\ub798\uc11c \uc804\uc561\uc744 \ub123\uc9c0 \uc54a\uace0 \ub098\ub234\ub2e4.
\n\uc911\uc694\ud55c \uac74 \uc5b4\ub290 \ud55c \uc0c1\ud488\uc5d0 \ubab0\uc544\ub123\uc9c0 \uc54a\ub294 \uac83,
\n\uadf8\ub9ac\uace0 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0\uc11c \ube44\uacfc\uc138\uc640 \uae08\ub9ac\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub294 \uc870\ud569\uc744 \ucc3e\ub294 \uac83\uc774\ub2e4.\n<\/p>\n

\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c \uc2e0\uccad \ubc29\ubc95 (\ube60\ub978 \uc815\ub9ac)<\/h2>\n

\n\uac00\uc7a5 \ub9ce\uc774 \ubb3c\uc5b4\ubcf4\ub294 \ubd80\ubd84\uc774\ub77c \uac04\ub2e8\ud558\uac8c\ub9cc \uc815\ub9ac\ud55c\ub2e4.\n<\/p>\n

\n

\uccad\ub144\ub3c4\uc57d\uacc4\uc88c \uc2e0\uccad \uc808\ucc28<\/p>\n

    \n
  1. \uac00\uc785 \uac00\ub2a5 \uc740\ud589 \ud655\uc778<\/strong>: \ud558\ub098\u00b7\uad6d\ubbfc\u00b7\uc2e0\ud55c\u00b7\uc6b0\ub9ac\u00b7\ub18d\ud611\u00b7\uae30\uc5c5\u00b7\ubd80\uc0b0\u00b7\uad11\uc8fc\u00b7\uacbd\ub0a8\u00b7\uc804\ubd81\u00b7\uc81c\uc8fc\uc740\ud589<\/li>\n
  2. \uc2e0\uccad \uae30\uac04 \ud655\uc778<\/strong>: \ub9e4\uc6d4 \ucd08 \uc57d 3\uc8fc\uac04 (\uc815\ud655\ud55c \uc77c\uc815\uc740 \uc11c\ubbfc\uae08\uc735\uc9c4\ud765\uc6d0 \uacf5\uc2dd \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ud655\uc778)<\/li>\n
  3. \uc18c\ub4dd \uc2ec\uc0ac<\/strong>: \uc11c\ubbfc\uae08\uc735\uc9c4\ud765\uc6d0\uc5d0\uc11c 1~2\uc8fc \ub0b4 \uc18c\ub4dd \uc694\uac74 \uc2ec\uc0ac<\/li>\n
  4. \uacc4\uc88c \uac1c\uc124<\/strong>: \uc2ec\uc0ac \ud1b5\uacfc \ud6c4 \uc740\ud589 \uc571 \ub610\ub294 \uc601\uc5c5\uc810\uc5d0\uc11c \uac1c\uc124<\/li>\n
  5. \uc790\ub3d9\uc774\uccb4 \uc124\uc815<\/strong>: \ub9e4\uc6d4 \uc6d0\ud558\ub294 \ub0a0\uc9dc\uc5d0 \uc790\ub3d9 \ub0a9\uc785 \uc124\uc815 \uad8c\uc7a5<\/li>\n<\/ol>\n<\/div>\n

    \n\uc2e0\uccad \uae30\uac04\uc744 \ub193\uce58\uba74 \ub2e4\uc74c \ub2ec\uc744 \uae30\ub2e4\ub824\uc57c \ud55c\ub2e4.
    \n\ub9e4\ub144 2~3\uc6d4\uc5d0 \uac00\uc785 \uc778\uc6d0\uc774 \ubab0\ub9ac\ub294 \ud3b8\uc774\ub2c8, \uac00\uc785 \uc758\uc0ac\uac00 \uc788\ub2e4\uba74 \uc5f0\ucd08\uc5d0 \uc11c\ub450\ub974\ub294 \uac8c \ub0ab\ub2e4.\n<\/p>\n

    \n\ub9c8\ubb34\ub9ac: \uccad\ub144\ud76c\ub9dd\uc801\uae08\uc758 \ube48\uc790\ub9ac\ub294 \ucc44\uc6b0\uae30 \uc5b4\ub835\ub2e4<\/h2>\n

    \n\uc194\uc9c1\ud788 \ub9d0\ud558\uba74, \uccad\ub144\ud76c\ub9dd\uc801\uae08\ub9cc\ud07c \uac04\ub2e8\ud558\uba74\uc11c \uc218\uc775\uc774 \ud655\uc2e4\ud55c \uc0c1\ud488\uc740 \uc55e\uc73c\ub85c\ub3c4 \uc27d\uac8c \ub098\uc624\uae30 \uc5b4\ub835\ub2e4.
    \n\uc815\ubd80\uac00 \uc774 \uc815\ub3c4 \ud61c\ud0dd\uc744 \ub2e4\uc2dc \uc81c\uacf5\ud558\ub824\uba74 \uc7ac\uc815 \ubd80\ub2f4\uc774 \ud06c\uae30 \ub54c\ubb38\uc774\ub2e4.\n<\/p>\n

    \n\uadf8\ub807\ub2e4\uace0 \ud55c\ud0c4\ub9cc \ud558\uace0 \uc788\uc744 \uc218\ub294 \uc5c6\ub2e4.
    \n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c\u00b7\uc911\uac1c\ud615 ISA\u00b7\uc800\ucd95\uc740\ud589 \ud2b9\ud310\uc744 \uc870\ud569\ud558\uba74
    \n\uc77c\ubc18 \uc800\ucd95 \ub300\ube44 \uc5f0 1~2%p \uc218\uc775\uc744 \ucd94\uac00\ub85c \uac00\uc838\uac08 \uc218 \uc788\ub2e4.
    \n5\ub144\uc73c\ub85c \uacc4\uc0b0\ud558\uba74 \uc218\ubc31\ub9cc \uc6d0 \ucc28\uc774\uac00 \ub41c\ub2e4.
    \n\uc0c1\ud488 \uad6c\uc870\ub97c \uc774\ud574\ud558\uace0 \uc790\uae30 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\ub294 \uac83, \uadf8\uac8c \ud604\uc2e4\uc801\uc73c\ub85c \ud560 \uc218 \uc788\ub294 \ucd5c\uc120\uc774\ub2e4.\n<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

    \uccad\ub144\ud76c\ub9dd\uc801\uae08\uc774 \uc885\ub8cc\ub41c \uc774\ud6c4 \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uc9c0 \ub9c9\ub9c9\ud55c \uc0ac\ub78c\ub4e4\uc744 \uc704\ud55c \uc2e4\uc804 \ube44\uad50 \uac00\uc774\ub4dc. \uccad\ub144\ub3c4\uc57d\uacc4\uc88c, \uc911\uac1c\ud615 ISA, \uc800\ucd95\uc740\ud589 \ud2b9\ud310 \uc801\uae08, \ud30c\ud0b9\ud1b5\uc7a5\uc744 \uc6d4 \ub0a9\uc785\uc561\u00b7\uae30\uac04\ubcc4\ub85c \uc9c1\uc811 \uacc4\uc0b0\ud574 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801 \uc870\ud569 \uc804\ub7b5\uc744 \uc81c\uc2dc\ud55c\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":137,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-138","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\/138","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=138"}],"version-history":[{"count":0,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/138\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/media\/137"}],"wp:attachment":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}