{"id":57394,"date":"2025-03-21T00:11:23","date_gmt":"2025-03-20T15:11:23","guid":{"rendered":"https:\/\/8gfg.shop\/blog\/lifestyle\/investment-goal-setting-and-achievement-strategies-for-beginners-in-finance"},"modified":"2025-03-21T00:11:27","modified_gmt":"2025-03-20T15:11:27","slug":"investment-goal-setting-and-achievement-strategies-for-beginners-in-finance","status":"publish","type":"post","link":"https:\/\/8gfg.shop\/blog\/lifestyle\/investment-goal-setting-and-achievement-strategies-for-beginners-in-finance","title":{"rendered":"\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131 \uc804\ub7b5"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ea%b3%bc-%eb%8b%ac%ec%84%b1-%ec%a0%84%eb%9e%b5-qzDTqcCdYj\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#%e2%85%b0-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b8%b0%eb%b3%b8-%ea%b0%9c%eb%85%90-qzDTqcCdYj\">\u2160. \ud22c\uc790 \ubaa9\ud45c\uc758 \uc911\uc694\uc131\uacfc \uae30\ubcf8 \uac1c\ub150<\/a><\/li>\n<li><a href=\"#%e2%85%b1-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ea%b5%ac%ec%84%b1-%eb%b0%8f-%eb%b6%84%ec%82%b0-%ed%88%ac%ec%9e%90-qzDTqcCdYj\">\u2161. \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \ubc0f \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#%e2%85%b2-%ec%82%ac%eb%a1%80-%ec%97%b0%ea%b5%ac-%ea%b5%ac%ec%b2%b4%ec%a0%81%ec%9d%b8-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c-%eb%8b%ac%ec%84%b1-%eb%a1%9c%eb%93%9c%eb%a7%b5-qzDTqcCdYj\">\u2162. \uc0ac\ub840 \uc5f0\uad6c: \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \ubaa9\ud45c \ub2ec\uc131 \ub85c\ub4dc\ub9f5<\/a><\/li>\n<li><a href=\"#%e2%85%b3-%ec%8b%a4%ed%96%89-%ec%a0%84%eb%9e%b5%ea%b3%bc-%eb%a7%88%ec%9d%b8%eb%93%9c%ec%85%8b-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%ec%b5%9c%ea%b7%bc-%ed%8a%b8%eb%a0%8c%eb%93%9c-%ed%99%9c%ec%9a%a9%ed%95%98-qzDTqcCdYj\">\u2163. \uc2e4\ud589 \uc804\ub7b5\uacfc \ub9c8\uc778\ub4dc\uc14b, \uadf8\ub9ac\uace0 \ucd5c\uadfc \ud2b8\ub80c\ub4dc \ud65c\uc6a9\ud558\uae30<\/a><\/li>\n<li><a href=\"#%eb%a7%88%eb%ac%b4%eb%a6%ac-%ec%9a%94%ec%95%bd-%eb%b0%8f-%ea%b2%b0%eb%a1%a0-qzDTqcCdYj\">\ub9c8\ubb34\ub9ac \uc694\uc57d \ubc0f \uacb0\ub860<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ea%b3%bc-%eb%8b%ac%ec%84%b1-%ec%a0%84%eb%9e%b5-qzDTqcCdYj\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131 \uc804\ub7b5<\/title><\/p>\n<h1 id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ea%b3%bc-%eb%8b%ac%ec%84%b1-%ec%a0%84%eb%9e%b5-qzDTqcCdYj\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131 \uc804\ub7b5<\/h1>\n<h2 id=\"%e2%85%b0-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b8%b0%eb%b3%b8-%ea%b0%9c%eb%85%90-qzDTqcCdYj\">\u2160. \ud22c\uc790 \ubaa9\ud45c\uc758 \uc911\uc694\uc131\uacfc \uae30\ubcf8 \uac1c\ub150<\/h2>\n<p>\uc7ac\ud14c\ud06c\uc5d0 \uac13 \uc785\ubb38\ud55c \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc788\uc5b4 \uac00\uc7a5 \uba3c\uc800 \uace0\ubbfc\ud574\uc57c \ud560 \ubb38\uc81c\ub294 \ubd84\uba85\ud55c \ud22c\uc790 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 \uc77c\uc785\ub2c8\ub2e4. \ub9c9\uc5f0\ud788 \u201c\ub3c8\uc744 \ubc8c\uace0 \uc2f6\ub2e4\u201d\ub77c\ub294 \ub9c8\uc74c\uac00\uc9d0\ub9cc\uc73c\ub85c \uc2dc\uc791\ud558\uba74, \ud22c\uc790 \ubc29\ud5a5\uc774 \ud750\ub9bf\ud574\uc9c0\uace0 \uc790\uce6b\ud558\uba74 \uc798\ubabb\ub41c \uc790\uc0b0 \ubd84\ubc30\ub098 \uacfc\ub3c4\ud55c \uc704\ud5d8 \uac10\uc218\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \u2018\ud22c\uc790 \ubaa9\ud45c\u2019\ub77c\ub294 \uac1c\ub150\uc740 \ub2e8\uc21c\ud788 \uc5bc\ub9c8\ub9cc\ud07c\uc758 \uc218\uc775\uc744 \ub0bc \uac83\uc778\uac00\uc5d0 \ucd08\uc810\uc744 \ub450\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ub0b4\uac00 \uc5b8\uc81c\uae4c\uc9c0 \uc5bc\ub9c8\ub9cc\ud07c\uc758 \uc7ac\uc815\uc744 \ud655\ubcf4\ud558\uace0 \uc2f6\uc740\uc9c0, \ub098\uc5d0\uac8c \ub9de\ub294 \ud22c\uc790 \uc218\ub2e8\uc774 \ubb34\uc5c7\uc778\uc9c0\ub97c \uc885\ud569\uc801\uc73c\ub85c \uace0\ubbfc\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \ud2b9\ud788 2023\ub144 \ud604\uc7ac, \uc138\uacc4 \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \ucee4\uc9c0\ub294 \ucd94\uc138\uc774\uae30 \ub54c\ubb38\uc5d0 \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uc740 \uacfc\uac70 \uc5b4\ub290 \ub54c\ubcf4\ub2e4\ub3c4 \uc911\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ubaa9\ud45c\uac00 \uc65c \uadf8\ud1a0\ub85d \uc911\uc694\ud55c\uac00 \ud558\uba74, \uae30\ucd08 \uccb4\ub825\uc774 \uac16\ucdb0\uc9c0\uc9c0 \uc54a\uc740 \ucc44\ub85c \ud22c\uc790\uc5d0 \ub6f0\uc5b4\ub4e4 \uacbd\uc6b0 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc2ec\ub9ac\uc801 \ub3d9\uc694\uac00 \ucee4\uc9c0\uae30 \uc27d\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \u2018\uac00\uce58\ud22c\uc790\u2019\ub77c\ub294 \ub9d0\uc744 \ub9ce\uc774 \ub4e3\uc9c0\ub9cc, \uc2e4\uc81c\ub85c \ubaa9\ud45c\uac00 \ub69c\ub837\ud558\uc9c0 \uc54a\ub2e4\uba74 \uc8fc\uac00\uac00 \uc18c\ud3ed \ub5a8\uc5b4\uc84c\uc744 \ub54c \uace7\ubc14\ub85c \ub9e4\ub3c4\ub97c \uacb0\uc815\ud574\ubc84\ub9ac\uac70\ub098, \ubc18\ub300\ub85c \ubb34\ub9ac\ud558\uac8c \ubb3c\ud0c0\uae30\ub97c \uc2dc\ub3c4\ud558\ub294 \ub4f1\uc758 \ubd88\uc548\uc815\ud55c \ud589\ub3d9\uc744 \ud558\uae30\uac00 \uc27d\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uba85\ud655\ud55c \ubaa9\ud45c\uac00 \uc5c6\uc73c\uba74 \uc2ec\ub9ac\uc801 \uc77c\uad00\uc131\uc744 \uc720\uc9c0\ud558\uae30\uac00 \uc5b4\ub824\uc6cc\uc9c0\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc77c\uad00\ub41c \uc804\ub7b5\uc744 \ud3b4\uae30\uac00 \uc5b4\ub824\uc6cc\uc9d1\ub2c8\ub2e4. \uacb0\uad6d \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uc740 \uccb4\uacc4\uc801\uc778 \uc7ac\ud14c\ud06c \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd94\ub294 \uc2dc\uc791\uc810\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ubaa9\ud45c\uc5d0\ub294 \ub2e4\uc591\ud55c \uc694\uc18c\uac00 \ub0b4\ud3ec\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 5\ub144 \ub0b4\uc5d0 \uc8fc\ud0dd \uad6c\uc785 \uc790\uae08\uc744 \ub9c8\ub828\ud558\uace0 \uc2f6\uc5b4 \ud558\ub294 \uc0ac\ub78c\uacfc, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc5f0\uae08\uc744 \ud655\ubcf4\ud558\ub824\ub294 \uc0ac\ub78c\uc740 \ud22c\uc790 \uc804\ub7b5\uc774 \uc644\uc804\ud788 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ub610\ud55c \ub9e4\uc6d4 \uc18c\uc18c\ud55c \ud604\uae08 \ud750\ub984(\uce90\uc2dc\ud50c\ub85c\uc6b0)\uc744 \ub9cc\ub4e4\uc5b4\uc11c \uc0dd\ud65c\ube44\uc758 \uc77c\ubd80\ub85c \ud65c\uc6a9\ud558\ub824\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc790\uc2e0\uc774 \uc911\uc810\uc801\uc73c\ub85c \ub2ec\uc131\ud558\uace0 \uc2f6\uc740 \uacfc\uc5c5\uc774 \ubb34\uc5c7\uc778\uc9c0 \uba85\ud655\ud788 \uc815\ub9ac\ud55c \ub2e4\uc74c, \uadf8\uc5d0 \ub9de\ucdb0 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, ETF, \ub610\ub294 \uc608\uc801\uae08 \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uc744 \ubc30\ubd84\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c 2030\uc138\ub300 \uc0ac\uc774\uc5d0\uc11c\ub294 \u2018\ud30c\uc774\uc5b4\uc871(FIRE)\u2019 \uc6b4\ub3d9\uc774 \uc810\uc810 \ud655\uc0b0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. Financial Independence, Retire Early\uc758 \uc904\uc784\ub9d0\uc778 \ud30c\uc774\uc5b4\uc871\uc740 \ube60\ub978 \uc2dc\uae30\uc5d0 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub2ec\uc131\ud558\uc5ec \uc77c\ucc0d \uc740\ud1f4\ub97c \uc900\ube44\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uacf5\uaca9\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc774 \uc694\uad6c\ub418\uae30\ub3c4 \ud558\uc9c0\ub9cc \ub3d9\uc2dc\uc5d0 \uc9c0\ucd9c\uc744 \uc5c4\uaca9\ud788 \ud1b5\uc81c\ud558\uace0 \uc800\ucd95\ub960\uc744 \uadf9\ub2e8\uc801\uc73c\ub85c \ub192\uc774\ub294 \uc0dd\ud65c \ubc29\uc2dd\ub3c4 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \ub0b4 \ubaa9\ud45c\uac00 \ud30c\uc774\uc5b4\uc871 \uc2a4\ud0c0\uc77c\uc778\uc9c0, \ud639\uc740 \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \ub178\ud6c4 \ub300\ube44\uc778\uc9c0 \ud655\uc2e4\ud558\uac8c \uad6c\ubd84\ud574\uc57c\ub9cc \uad6c\uccb4\uc801\uc774\uace0\ub3c4 \ud6a8\uc728\uc801\uc778 \ud22c\uc790\uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>2023\ub144 \ud22c\uc790 \uc2dc\uc7a5\uc758 \ud575\uc2ec \ud0a4\uc6cc\ub4dc\ub294 \u2018\uae08\ub9ac \uc778\uc0c1 \uae30\uc870\u2019\uc640 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131 \uc99d\uac00\uc785\ub2c8\ub2e4. 2022\ub144\ubd80\ud130 \uc2dc\uc791\ub41c \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc758 \uae08\ub9ac \uc778\uc0c1 \uc601\ud5a5\uc73c\ub85c, \uc608\uc801\uae08 \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud558\uc5ec \u2018\uc608\uc801\uae08 \ud22c\uc790\uac00 \ub354 \uc548\uc804\ud558\ub2e4\u2019\ub77c\ub294 \uc758\uacac\uc774 \uc0dd\uae38 \uc218 \uc788\uc9c0\ub9cc, \ubc18\ub300\ub85c \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0\uc11c\ub294 \ub300\ud615 \ud14c\ud06c\uc8fc\ub4e4\uc774 \ub2e4\uc2dc\uae08 \ubc18\ub4f1 \ud3ec\uc778\ud2b8\ub97c \ub9c8\ub828\ud558\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ubcc0\ub3d9 \uc18d\uc5d0\uc11c\ub3c4 \ubaa9\ud45c\uac00 \uba85\ud655\ud558\uba74, \ud3c9\uc18c\uc5d0\ub294 \uc6b0\ub7c9 \uc790\uc0b0\uc744 \ubaa8\uc544\uac00\uba74\uc11c\ub3c4 \ubd80\uc815\uc801 \uc2dc\uc7a5 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc800\uac00 \ub9e4\uc218 \uae30\ud68c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\ud45c\ub97c \uc138\uc6b0\uace0 \uc900\uc218\ud55c\ub2e4\ub294 \uac83\uc740 \uc774\ucc98\ub7fc \uc2dc\uc7a5\uc758 \ub178\uc774\uc988\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \uac15\ub825\ud55c \uc6d0\ub3d9\ub825\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c\ub97c \uc218\ub9bd\ud560 \ub54c\uc5d0\ub294 \ud604\uc2e4\uc801\uc778 \uc804\ub7b5 \uc124\uc815\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \ub2ec\uc5d0 30\ub9cc \uc6d0\uc529 \ud22c\uc790\uae08\uc744 \ub9c8\ub828\ud574 3\ub144 \ud6c4\uc5d0 1\uc5b5 \uc6d0\uc744 \ub9cc\ub4e4\uaca0\ub2e4\ub294 \uacc4\ud68d\uc740 \uc2e4\uc81c\ub85c \ub9e4\ub2ec 30\ub9cc \uc6d0\ubc16\uc5d0 \ub0a9\uc785\ud560 \uc218 \uc5c6\ub2e4\uba74 \ub2ec\uc131\uc774 \ubd88\uac00\ub2a5\ud55c \uc218\uce58\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uad6c\uccb4\uc801\uc778 \uc22b\uc790\uac00 \uc911\uc694\ud558\ub418, \uadf8 \uc22b\uc790\uac00 \uc790\uc2e0\uc758 \uc18c\ub4dd\uacfc \uc9c0\ucd9c, \uadf8\ub9ac\uace0 \uadf8\ub3d9\uc548\uc758 \uc800\ucd95 \ud328\ud134\uc744 \uace0\ub824\ud574\ubcfc \ub54c \ud569\ub9ac\uc801\uc778 \ubc94\uc8fc\uc5d0 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ub9cc\uc77c \ubb34\ub9ac\ud55c \ubaa9\ud45c \uc124\uc815\uc73c\ub85c \uc778\ud574 \uc790\uc2e0\uac10\uc774 \uacb0\uc5ec\ub418\uac70\ub098 \uc911\ub3c4 \ud3ec\uae30\uac00 \ubc1c\uc0dd\ud558\uba74, \uc624\ud788\ub824 \ud22c\uc790\uc758 \ub3d9\uae30\uac00 \uc644\uc804\ud788 \uc0c1\uc2e4\ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ubbc0\ub85c \ubaa8\ub4e0 \ud22c\uc790\uc758 \uc2dc\uc791\uc810\uc740 \u201c\uc65c \ud22c\uc790\ub97c \ud558\uace0 \uc2f6\uc740\uac00?\u201d\ub77c\ub294 \ubb3c\uc74c\uc5d0\uc11c \uc2dc\uc791\ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \u201c\uc5b8\uc81c\uae4c\uc9c0 \uc5bc\ub9c8\uac00 \ud544\uc694\ud55c\uac00?\u201d, \u201c\ub2f9\uc7a5 \ud22c\uc790\uae08\uc744 \ubaa8\uc744 \uc218 \uc788\ub294 \uc218\uc900\uc740 \uc5b4\ub290 \uc815\ub3c4\uc778\uac00?\u201d, \u201c\uae30\uac04\ubcc4\ub85c \uc5b4\ub5a4 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uac00\uc815\ud558\ub294\uac00?\u201d \ub4f1\uc758 \uad6c\uccb4\uc801\uc778 \uc9c8\ubb38\uc73c\ub85c \ub098\uc544\uac11\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub098\ub9cc\uc758 \ud22c\uc790 \u2018\ub85c\ub4dc\ub9f5\u2019\uc744 \uadf8\ub9b4 \uc218 \uc788\uc73c\uba70, \uc911\uac04\uc911\uac04 \uc810\uac80\uc744 \ud558\uba74\uc11c \uc2dc\uc7a5 \ubcc0\ub3d9\uc774\ub098 \uac1c\uc778 \uc0c1\ud669 \ubcc0\ud654\ub97c \ubc18\uc601\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub144 \uc5f0\ubd09\uc774 \uc624\ub974\uac70\ub098 \uc0c8\ub85c\uc6b4 \uc218\uc785\uc6d0\uc774 \uc0dd\uacbc\ub2e4\uba74 \ud22c\uc790\uae08 \uc99d\uc561\uc744 \uace0\ub824\ud560 \uc218\ub3c4 \uc788\uace0, \uc8fc\uac00\uac00 \uacfc\uc5f4\ub418\uc5c8\ub2e4\uace0 \ud310\ub2e8\ub41c\ub2e4\uba74 \ucc44\uad8c\uc774\ub098 \uae08\uacfc \uac19\uc740 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc73c\ub85c \ud3ec\ud2b8\ub97c \uc7ac\uc870\uc815\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ubaa9\ud45c\ub294 \uace0\uc815\ub41c \uac83\uc774 \uc544\ub2c8\ub77c \u2018\uc720\uc5f0\ud55c \uac00\uc774\ub4dc\ub77c\uc778\u2019\uc774\ub77c\ub294 \uc810\uc744 \uc774\ud574\ud558\ub294 \uac83\ub3c4 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ubaa9\ud45c \uae08\uc561\uacfc \uae30\uac04\uc744 \uac00\uc815\ud558\ub418, \uc2dc\uc7a5 \uc0c1\ud669 \ud639\uc740 \uac1c\uc778 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \ubcc0\ud654\uc5d0 \ub530\ub77c\uc11c \uc801\uc808\ud788 \uc218\uc815\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc720\uc5f0\uc131\uc744 \uac00\uc9c0\ub418, \uc9c0\ub098\uce58\uac8c \uc7a6\uc740 \ubcc0\uacbd\uc740 \uc9c0\uc591\ud574\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\ud45c\uac00 \uacc4\uc18d \ubc14\ub00c\uba74 \uc7a5\uae30 \uc804\ub7b5\uc744 \uc313\uc544\uc62c \uc218 \uc5c6\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ubd84\uc11d\uacfc \uac1c\uc778\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \uc810\uac80\uc744 \ud1b5\ud574 \ud569\ub9ac\uc801\uc73c\ub85c \ubcc0\uacbd\ud558\ub294 \uac83\ub9cc\uc774 \ubc14\ub78c\uc9c1\ud55c \ud0dc\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud22c\uc790 \ubaa9\ud45c\ub294 \ucd94\uc0c1\uc801\uc778 \uacc4\ud68d\uc5d0\uc11c \uadf8\uce58\uc9c0 \uc54a\uace0, \uc2e4\uc81c \ud589\ub3d9 \uc9c0\uce68\uc73c\ub85c \uc5f0\uacb0\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uba74 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0 \uad00\uc2ec\uc774 \uc788\ub2e4\uba74, \uc8fc\ud0dd\uccad\uc57d\uc800\ucd95 \ud639\uc740 \ubd80\ub3d9\uc0b0 \uac04\uc811\ud22c\uc790 \uc0c1\ud488(\ub9ac\uce20, \ubd80\ub3d9\uc0b0 \ud380\ub4dc \ub4f1)\uc5d0 \uc790\uae08\uc744 \ub9e4\ub2ec \uc5bc\ub9c8\uc529 \ubd84\uc0b0\ud560\uc9c0 \uc2e4\ucc9c \ubc29\uc548\uc744 \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4. \uc8fc\uc2dd\uc5d0 \uc8fc\ub825\ud558\uace0 \uc2f6\ub2e4\uba74, \ub9e4\ub2ec \uc6d4\uae09\uc758 \uc77c\uc815 \ube44\uc728\uc744 \uc99d\uad8c \uacc4\uc88c\ub85c \uc774\uccb4\ud558\uc5ec \uafb8\uc900\ud788 \uc6b0\ub7c9 \uc885\ubaa9\uc774\ub098 ETF\ub97c \ub9e4\uc218\ud574 \ub098\uac00\ub294 \uaddc\uce59\uc744 \uc124\uc815\ud558\uace0 \uc9c0\ucf1c\uc57c \ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \uc2e4\ucc9c \uc9c0\uce68\uc73c\ub85c \uc774\uc5b4\uc9c0\uc9c0 \uc54a\ub294 \ubaa9\ud45c \uc124\uc815\uc740 \uacb0\uad6d \ucc45\uc0c1 \uc704\uc758 \ud5c8\uc0c1\uc5d0 \uc9c0\ub098\uc9c0 \uc54a\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc815\ub9ac\ud558\uc790\uba74, \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uc740 \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uac00 \ubc18\ub4dc\uc2dc \uac70\uccd0\uc57c \ud560 \ub9e4\uc6b0 \uc911\uc694\ud55c \ub2e8\uacc4\uc785\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud558\uac8c \u2018\ub0b4\uac00 \uc5bc\ub9c8\ub97c \ubc8c\uaca0\ub2e4\u2019\ub77c\ub294 \uc695\uc2ec\uc744 \ub6f0\uc5b4\ub118\uc5b4, \ub098\ub9cc\uc758 \uc7ac\uc815\uc801 \ube44\uc804\uacfc \uc778\uc0dd \uacc4\ud68d\uc744 \uad6c\uccb4\ud654\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \ubcf8 \uc139\uc158\uc5d0\uc11c\ub294 \ubaa9\ud45c \uc124\uc815\uc758 \ud575\uc2ec \ud3ec\uc778\ud2b8\uc640 \ucd5c\uadfc \uc2dc\uc7a5 \ud2b8\ub80c\ub4dc\uc640\uc758 \uc5f0\uad00\uc131\uc5d0 \ub300\ud574 \uac1c\ub7b5\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\ubd80\ud130\ub294 \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uacfc \uc0ac\ub840\ub97c \ud1b5\ud574, \uc5b4\ub5bb\uac8c \ud558\uba74 \ucd08\ubcf4\uc790\ub3c4 \ubaa9\ud45c\ub97c \uc2e4\uc81c\ub85c \ub2ec\uc131\ud560 \uc218 \uc788\ub294\uc9c0 \uc0c1\uc138\ud788 \uc54c\uc544\ubcf4\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uad81\uadf9\uc801\uc73c\ub85c \uc81c\ub300\ub85c \ub41c \ubaa9\ud45c\ub97c \uc124\uc815\ud574\uc57c\ub9cc, \ud22c\uc790\uc5d0 \ub300\ud55c \uc5f4\uc815\uacfc \uc758\uc9c0\uac00 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131 \uc55e\uc5d0\uc11c \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uac8c \ub429\ub2c8\ub2e4. \ubaa9\ud45c\uac00 \uc788\ub2e4\uba74 \uadf8\uac83\uc774 \ub098\uce68\ubc18\uc774 \ub418\uc5b4 \ubc29\ud5a5\uc131\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\uc73c\uba70, \ubb34\uc5c7\ubcf4\ub2e4 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc131\uacfc \uce21\uc815\uacfc \ud53c\ub4dc\ubc31\ub3c4 \uac00\ub2a5\ud558\uac8c \ub429\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \uc804\ub7b5\uacfc \uc2dc\uc7a5 \ud2b8\ub80c\ub4dc\ub97c \uacb0\ud569\ud558\uc5ec, \ud22c\uc790 \ubaa9\ud45c\uc5d0 \uc774\ub974\ub294 \ubcf4\ub2e4 \uc2e4\ubb34\uc801\uc778 \ubc29\ubc95\ub860\uc744 \uc81c\uc2dc\ud560 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%e2%85%b1-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ea%b5%ac%ec%84%b1-%eb%b0%8f-%eb%b6%84%ec%82%b0-%ed%88%ac%ec%9e%90-qzDTqcCdYj\">\u2161. \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \ubc0f \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5<\/h2>\n<p>\ud22c\uc790 \ubaa9\ud45c\ub97c \uc124\uc815\ud588\ub2e4\uba74, \uadf8 \ub2e4\uc74c \ub2e8\uacc4\ub294 \ubaa9\ud45c\uc5d0 \ubd80\ud569\ud558\ub294 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub780 \ud22c\uc790 \uc790\uc0b0\uc744 \uc5b4\ub5bb\uac8c \ubd84\ubc30\ud558\uace0 \uad6c\uc131\ud560\uc9c0\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uacb0\uc815\ud55c \ubaa9\ub85d\uc744 \ub9d0\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c\ub294 \uc8fc\uc2dd, \ucc44\uad8c, \uc608\uc801\uae08, \ub300\uccb4 \ud22c\uc790(\ubd80\ub3d9\uc0b0, \uc6d0\uc790\uc7ac, \uac00\uc0c1\uc790\uc0b0 \ub4f1) \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488\ub4e4\uc744 \uc870\ud569\ud558\uc5ec \uc704\ud5d8\uc744 \ubd84\uc0b0\ud558\uace0 \uae30\ub300 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \ucd08\ubcf4\uc790\uc5d0\uac8c \uac00\uc7a5 \uc5b4\ub824\uc6b4 \ubd80\ubd84\uc774 \ubc14\ub85c \uc774 \u2018\ubd84\uc0b0 \ud22c\uc790\u2019 \uac1c\ub150\uc778\ub370, 2023\ub144 \uc774\ud6c4 \uc218\ub9ce\uc740 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc774 \ud55c\ubaa9\uc18c\ub9ac\ub85c \uac15\uc870\ud558\ub294 \uac8c \ubc14\ub85c \ubd84\uc0b0 \ud22c\uc790\uc640 \uc704\ud5d8 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 \ucd5c\uadfc\uc5d0\ub294 \uc8fc\uc2dd\uc2dc\uc7a5\uc774 \ub192\uc740 \ubcc0\ub3d9\uc131\uc744 \ubcf4\uc778 \uacb0\uacfc, \ud55c\ubc88\uc5d0 \ud2b9\uc815 \uc885\ubaa9\uc5d0 \ubab0\ube75\ud558\ub294 \uac83\ubcf4\ub2e4\ub294 \uc5ec\ub7ec \uc885\ubaa9\uc774\ub098 \uc139\ud130, \ud639\uc740 \ub2e4\ub978 \ud22c\uc790 \uc0c1\ud488\uc73c\ub85c \ub098\ub204\uc5b4\uc11c \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ubbf8\uad6d \ub300\ud615 \ud14c\ud06c \uae30\uc5c5\uc5d0 \ub300\ud55c \uc778\ub371\uc2a4 \ud380\ub4dc\ub098 ETF\ub97c \uc77c\uc815 \ube44\uc728 \ud3b8\uc785\ud558\uba74\uc11c\ub3c4, \ucc44\uad8c\ud615 \uc0c1\ud488\uc774\ub098 \uae08\uacfc \uac19\uc740 \uc548\uc804 \uc790\uc0b0\uc5d0 \uc77c\ubd80\ub97c \ubc30\ubd84\ud558\ub294 \ubc29\uc2dd\uc774 \uad8c\uc7a5\ub429\ub2c8\ub2e4. \uc774\ub7f0 \ubc29\uc2dd\uc744 \ud65c\uc6a9\ud558\uba74 \uc5b4\ub290 \ud55c\ucabd \uc2dc\uc7a5\uc774 \uae09\ub77d\ud588\uc744 \ub54c \uc790\uc0b0 \uc804\uccb4\uac00 \ub3d9\uc2dc\uc5d0 \ud070 \uc190\uc2e4\uc744 \ubcf4\ub294 \uc0c1\ud669\uc744 \ub9c9\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd08\ubcf4\uc790\ub77c\uba74 \uc6b0\uc120 \uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc704\ud5d8 \uc218\uc900(\ub9ac\uc2a4\ud06c \ud5c8\uc6a9\ub3c4)\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \uc9c1\uc5c5 \uc548\uc815\uc131, \ud604\uc7ac \uc18c\ub4dd\uacfc \uc9c0\ucd9c \uad6c\uc870, \uac00\uc871 \uad6c\uc131\uc6d0, \ubbf8\ub798\uc5d0 \uc608\uc0c1\ub418\ub294 \uc9c0\ucd9c \uc774\ubca4\ud2b8(\uacb0\ud63c, \uc8fc\ud0dd \ub9c8\ub828, \uad50\uc721\ube44 \ub4f1) \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec, \uc8fc\uc2dd\ucc98\ub7fc \ubcc0\ub3d9\ud3ed\uc774 \ud070 \uc790\uc0b0\uc5d0 \uc5bc\ub9c8\ub098 \ubc30\ubd84\ud560 \uac83\uc778\uc9c0, \ud639\uc740 \uc548\uc815\uc801\uc778 \ucc44\uad8c\uc774\ub098 \uc608\uc801\uae08\uc5d0 \uc5bc\ub9c8\ub098 \ud22c\uc790\ud560 \uac83\uc778\uc9c0 \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\uc801\uae08\uc740 \ud45c\uba74 \uc218\uc775\ub960\uc740 \ub0ae\uc744 \uc218 \uc788\uc9c0\ub9cc, \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0\ub294 \uc608\uc801\uae08 \uae08\ub9ac \uc5ed\uc2dc \uc62c\ub77c\uac00\ubbc0\ub85c \uc2dc\uc7a5 \ud558\ub77d \uc2dc\uae30\uc5d0\ub294 \uc548\uc815\uc801\uc778 \ubc84\ud300\ubaa9\uc774 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ub54c \u2018\uc790\uc0b0 \ubc30\ubd84\u2019\uc774\ub77c\ub294 \uac1c\ub150\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc790\uc0b0 \ubc30\ubd84\uc740 \ub2e8\uc21c\ud55c \uc885\ubaa9 \uc120\ud0dd\uc744 \ub118\uc5b4, \uc804\uccb4 \ud22c\uc790 \uc790\uae08 \uc911 \uc8fc\uc2dd, \ucc44\uad8c, \ud604\uae08\uc131 \uc790\uc0b0, \ub300\uccb4 \uc790\uc0b0 \ub4f1\uc5d0 \uc5b4\ub5a4 \ube44\uc728\ub85c \ub098\ub20c\uc9c0\ub97c \uacb0\uc815\ud558\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd08\ubcf4\uc790 A\uac00 \ub9e4\uc6d4 50\ub9cc \uc6d0\uc529 \ud22c\uc790\ud560 \uc218 \uc788\ub2e4\uace0 \uac00\uc815\ud574 \ubd05\uc2dc\ub2e4. \uc774 \uc911 30%\ub294 \uc778\ub371\uc2a4 \ud380\ub4dc(\uad6d\ub0b4\uc678 \uc8fc\uc2dd \uc804\ubc18\uc744 \ucd94\uc885\ud558\ub294 ETF \ub4f1)\uc5d0 \ud22c\uc790\ud558\uace0, 20%\ub294 \uc548\uc815\uc801\uc778 \ubc30\ub2f9\uc8fc\ub098 \uc6b0\ub7c9 \ucc44\uad8c\ud615 \ud380\ub4dc\uc5d0, \ub098\uba38\uc9c0 50%\ub294 \uc608\uc801\uae08 \ubc0f \ud604\uae08\uc131 \uc790\uc0b0(\ub2e8\uae30 \uad6d\uacf5\ucc44, \uba38\ub2c8\ub9c8\ucf13\ud380\ub4dc \ub4f1)\uc73c\ub85c \ubd84\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \uc704\ud5d8\uc774 \ud55c\ucabd\uc5d0\ub9cc \ubab0\ub9ac\uc9c0 \uc54a\uace0, \uc5b4\ub290 \uc815\ub3c4 \uc2dc\uc7a5 \ud558\ub77d\uc744 \ubc29\uc5b4\ud560 \uc5ec\ub825\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<p>\ubb3c\ub860 \uc774\ub7ec\ud55c \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728\uc740 \uac1c\uc778\uc5d0 \ub530\ub77c, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. 2023\ub144 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud55c \uc0c1\ud0dc\uc774\ubbc0\ub85c, \uc608\uc801\uae08\uacfc \ucc44\uad8c \ud22c\uc790\uc5d0 \ub300\ud55c \ub9e4\ub825\ub3c4\uac00 \uacfc\uac70\ubcf4\ub2e4 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \ud14c\ud06c\uc8fc\ub4e4\uc774 \uc911\uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc5ec\uc804\ud788 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uc774\uace0 \uc788\uc5b4, \uc644\uc804\ud788 \ubc30\uc81c\ud558\uae30\ubcf4\ub2e4\ub294 \uc77c\uc815 \ubd80\ubd84 \ud3b8\uc785\ud558\ub294 \uac83\uc744 \uace0\ub824\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc778\ud50c\ub808\uc774\uc158 \uc0c1\ud669\uc5d0\uc11c\ub294 \uc6d0\uc790\uc7ac\ub098 \uae08 \ub4f1\uc5d0 \ub300\ud55c \ud22c\uc790\ub3c4 \ubd84\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc28\uc6d0\uc5d0\uc11c \uc804\ub7b5\uc801\uc73c\ub85c \ud3b8\uc785\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubd84\uc0b0 \ud22c\uc790\ub97c \uc2e4\ud589\uc5d0 \uc62e\uae38 \ub54c, \ucd08\ubcf4\uc790\ub4e4\uc774 \uc790\uc8fc \uacaa\ub294 \uc2e4\uc218 \uc911 \ud558\ub098\ub294 \u2018\ubd84\uc0b0 \ud22c\uc790\u2019\uac00 \ub9c8\uce58 \u2018\ubaa8\ub4e0 \uc885\ubaa9\uc5d0 \uc801\ub2f9\ud788 \uc870\uae08\uc529 \ud22c\uc790\ud558\uba74 \ub41c\ub2e4\u2019\uace0 \uc798\ubabb \ud574\uc11d\ud558\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc2e4\uc81c \ubd84\uc0b0 \ud22c\uc790\ub780, \uc11c\ub85c \uc0c1\uad00\uad00\uacc4\uac00 \ub0ae\uc740(\uc989 \ud55c\ucabd\uc774 \ub5a8\uc5b4\uc9c8 \ub54c \ub2e4\ub978 \ud55c\ucabd\uc774 \uc624\ub974\uac70\ub098 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ub420 \uac00\ub2a5\uc131\uc774 \ub192\uc740) \uc790\uc0b0\uad70\uc744 \uc120\ud0dd\ud574\uc11c \ubc30\ubd84\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ub9cc\uc57d \uad6d\ub0b4 IT \uc885\ubaa9\uacfc \ubbf8\uad6d IT \uc885\ubaa9\ub9cc\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud55c\ub2e4\uba74, \uc0c1\uad00\uad00\uacc4\uac00 \ub9e4\uc6b0 \ub192\uae30 \ub54c\ubb38\uc5d0 \ubd84\uc0b0 \ud6a8\uacfc\uac00 \uadf8\ub9ac \ud06c\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc5c5\uc885\uc774\ub098 \uc9c0\uc5ed, \ud22c\uc790 \uc0c1\ud488 \uc720\ud615\uc744 \ud3ed\ub113\uac8c \ubcf4\ub418, \uac01 \uc2dc\uc7a5\uc758 \ud2b9\uc9d5\ub3c4 \uaf3c\uaf3c\ud788 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd94\uac00\ub85c \ubd84\uc0b0 \ud22c\uc790\uc758 \uc911\uc694\ud55c \uac1c\ub150 \uc911 \ud558\ub098\uac00 \u2018\ub9ac\ubc38\ub7f0\uc2f1(rebalancing)\u2019\uc785\ub2c8\ub2e4. \uc774\ub294 \uc2dc\uac04\uc758 \ud750\ub984\uc5d0 \ub530\ub77c \ud2b9\uc815 \uc790\uc0b0\uad70\uc758 \uac00\uaca9\uc774 \ub9ce\uc774 \uc62c\ub77c\uc11c \ube44\uc911\uc774 \ucee4\uc9c0\uac70\ub098, \ubc18\ub300\ub85c \ud558\ub77d\ud574\uc11c \ube44\uc911\uc774 \uc791\uc544\uc84c\uc744 \ub54c, \ucc98\uc74c \uc124\uc815\ud588\ub358 \ubaa9\ud45c \ube44\uc911\uc73c\ub85c \ub418\ub3cc\ub9ac\ub294 \uc791\uc5c5\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc8fc\uc2dd \ube44\uc911\uc744 40%\ub85c \uc720\uc9c0\ud558\ub824 \ud588\ub294\ub370, \uc2dc\uc7a5\uc774 \uc0c1\uc2b9\ud558\uc5ec \uc5b4\ub290\uc0c8 \uc8fc\uc2dd \ube44\uc911\uc774 50%\uac00 \ub418\uc5c8\ub2e4\uba74, \uc77c\ubd80\ub97c \ub9e4\ub3c4\ud558\uc5ec \ucc44\uad8c\uc774\ub098 \uc608\uc801\uae08\uc5d0 \uc7ac\ud22c\uc790\ud568\uc73c\ub85c\uc368 \ub2e4\uc2dc 40% \uc218\uc900\uc73c\ub85c \ub9de\ucd94\ub294 \uc2dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub9ac\ubc38\ub7f0\uc2f1 \uacfc\uc815\uc744 \uac70\uce58\uba74 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ubcc0\ub3d9\uc131\uc744 \uc644\ud654\ud558\uace0, \uace0\uc810\uc5d0\uc11c \uc77c\ubd80 \ucc28\uc775\uc744 \uc2e4\ud604\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd08\ubcf4\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc774 \ubaa8\ub4e0 \uacfc\uc815\uc744 \ud63c\uc790\uc11c \uc218\ud589\ud558\uae30 \ub09c\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud65c\uc6a9\ud558\uac70\ub098, \uc99d\uad8c\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ubd84\uc0b0 \ud22c\uc790 \uac00\uc774\ub4dc, \ud639\uc740 \uc804\ubb38\uac00 \ucee8\uc124\ud305\uc744 \ubc1b\ub294 \ubc29\ubc95\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ubaa8\ubc14\uc77c \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ud1b5\ud574 \uac04\ud3b8\ud558\uac8c \uc790\uc0b0 \ubc30\ubd84\uc744 \ud14c\uc2a4\ud2b8\ud558\uace0, \ub9e4\uc6d4 \uc815\ud574\uc9c4 \uae08\uc561\uc744 \uc790\ub3d9\uc73c\ub85c \ubd84\uc0b0 \ud22c\uc790\ud574\uc8fc\ub294 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\uc5b4 \uc811\uadfc\uc131\uc774 \ud06c\uac8c \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc5b4\uc124\ud508 \uc885\ubaa9 \uc120\ud0dd\uc73c\ub85c \uc778\ud55c \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uace0, \uc804\uccb4\uc801\uc778 \ubd84\uc0b0 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ubd84\uc0b0 \ud22c\uc790\ub77c\uace0 \ud574\uc11c \ubb34\uc870\uac74 \ubcf4\uc218\uc801\uc73c\ub85c\ub9cc \uac00\uc57c \ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ubaa9\ud45c\uc640 \uae30\uac04\uc5d0 \ub530\ub77c, \uadf8\ub9ac\uace0 \ubcf8\uc778\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc704\ud5d8 \uc218\uc900\uc5d0 \ub530\ub77c \uc77c\ubd80 \uacf5\uaca9\uc801\uc778 \uc790\uc0b0\uc5d0\ub3c4 \ubc30\ubd84\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \ucf54\uc2a4\ud53c200\uacfc \uac19\uc740 \uc2dc\uc7a5\uc758 \uc804\ubc18\uc744 \ucd94\uc885\ud558\ub294 ETF\uc5d0 20%\ub97c \ubc30\ubd84\ud558\uace0, \ub098\uba38\uc9c0 10%\ub294 \ubcc0\ub3d9\uc131\uc740 \ud06c\uc9c0\ub9cc \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \uc2e0\uaddc \ud14c\ub9c8\ud615 ETF(\uc608: 2\ucc28\uc804\uc9c0, \uba54\ud0c0\ubc84\uc2a4 \ub4f1\uc5d0 \ud22c\uc790) \ud639\uc740 \ubca4\ucc98\uae30\uc5c5 \ud380\ub4dc \ub4f1\uc5d0 \ud22c\uc790\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc8fc\uc2dd\uc2dc\uc7a5\uc774 \ud070 \ud3ed\uc73c\ub85c \uc0c1\uc2b9\ud560 \ub54c \ucd94\uac00\uc801\uc778 \uc218\uc775\uc744 \ub178\ub9ac\ub294 \uac83\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \ubd84\uc0b0 \ud22c\uc790\uc758 \uad81\uadf9\uc801\uc778 \ubaa9\uc801\uc740 \u2018\ubd88\ud655\uc2e4\uc131\uc744 \uc81c\uc5b4\ud558\uba74\uc11c\ub3c4 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1\uc758 \uc218\uc775\ub960\uc744 \ud655\ubcf4\ud558\ub294 \uac83\u2019\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ucd08\ubcf4\uc790\uc77c\uc218\ub85d \ud55c \ubc88\uc758 \ud070 \uc190\uc2e4\uc774 \ud22c\uc790 \uc758\uc695\uc744 \uaebe\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc548\uc815\uc801\uc73c\ub85c \uc131\uc7a5\ud558\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ubaa9\ud45c\ub85c \uc0bc\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uae30\uac04, \ub77c\uc774\ud504\uc0ac\uc774\ud074\uc5d0 \ub9de\uac8c \uc801\uc808\ud55c \ubbf9\uc2a4\uac00 \ud544\uc694\ud558\uba70, \uc8fc\uae30\uc801\uc778 \uc810\uac80\uacfc \ub9ac\ubc38\ub7f0\uc2f1\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \uc2e4\uc81c \uc0ac\ub840\uc640 \ud568\uaed8 \uc880 \ub354 \uad6c\uccb4\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \ubd84\uc0b0 \ud22c\uc790\ub294 \ub2e8\uc21c\ud788 \u2018\uc77c\ub2e8 \ub098\ub220 \ub193\ub294\ub2e4\u2019\uac00 \uc544\ub2c8\ub77c, \uc11c\ub85c \ub2e4\ub978 \uc6c0\uc9c1\uc784\uc744 \ubcf4\uc774\ub294 \uc790\uc0b0\ub4e4\uc744 \uc870\ud569\ud558\uc5ec \uc2dc\uc7a5 \uc804\ubc18\uc758 \ub9ac\uc2a4\ud06c\ub97c \ud761\uc218\ud558\ub294 \uae30\ubc95\uc785\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ub4e4\uc774 \ud55c\ub450 \uc885\ubaa9\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud558\ub294 \uc720\ud639\uc744 \ub5a8\uccd0\ubc84\ub9ac\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc131\uc7a5\uc744 \ubaa9\ud45c\ub85c \uc0bc\uc744 \uc218 \uc788\ub294 \ud575\uc2ec\uc801\uc778 \ubc29\ubc95\uc778 \uac83\uc774\uc8e0. \uc774\uc5b4\uc9c0\ub294 \uc139\uc158\uc5d0\uc11c\ub294 \ucd08\ubcf4\uc790\ub4e4\uc774 \uc6b0\ub9ac\ub294 \uc2e4\uc81c \uc0ac\ub840\uc640 2023\ub144 \uc774\ud6c4\uc758 \uc2dc\uc7a5 \ub3d9\ud5a5, \uadf8\ub9ac\uace0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc6b4\uc601 \ud301 \ub4f1\uc5d0 \ub300\ud574 \ub354\uc6b1 \uae4a\uc774 \ud30c\uace0\ub4e4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \ubaa9\ud45c \uc124\uc815\uc5d0 \uc774\uc5b4\uc9c0\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uacfc \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc740, \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uc5d0\uac8c \uc788\uc5b4 \u2018\uc548\uc804\uc7a5\uce58\u2019\uc774\uc790 \u2018\uc131\uc7a5\uc758 \uae30\ud68c\u2019\ub97c \ub3d9\uc2dc\uc5d0 \uc81c\uacf5\ud558\ub294 \uac15\ub825\ud55c \ub3c4\uad6c\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uae30\uc5d0 \ub354\uc6b1 \ud6a8\ub825\uc744 \ubc1c\ud718\ud558\ubbc0\ub85c, \uc774\ubc88 \uc139\uc158\uc5d0\uc11c \ub2e4\ub8ec \ub0b4\uc6a9\uc744 \ucc38\uace0\ud558\uc5ec \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud0c4\ud0c4\ud558\uac8c \uad6c\uc131\ud558\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h2 id=\"%e2%85%b2-%ec%82%ac%eb%a1%80-%ec%97%b0%ea%b5%ac-%ea%b5%ac%ec%b2%b4%ec%a0%81%ec%9d%b8-%ed%88%ac%ec%9e%90-%eb%aa%a9%ed%91%9c-%eb%8b%ac%ec%84%b1-%eb%a1%9c%eb%93%9c%eb%a7%b5-qzDTqcCdYj\">\u2162. \uc0ac\ub840 \uc5f0\uad6c: \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \ubaa9\ud45c \ub2ec\uc131 \ub85c\ub4dc\ub9f5<\/h2>\n<p>\uc774\uc81c \uc2e4\uc81c \uc0ac\ub840\ub97c \ud1b5\ud574 \ubaa9\ud45c \uc124\uc815\ubd80\ud130 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131, \uadf8\ub9ac\uace0 \ub2ec\uc131 \uc804\ub7b5\uae4c\uc9c0 \ud558\ub098\uc758 \uad6c\uccb4\uc801\uc778 \ub85c\ub4dc\ub9f5\uc744 \uc0b4\ud3b4\ubd05\uc2dc\ub2e4. \uac00\uc0c1\uc758 \uc778\ubb3c\uc778 \uae40\ub3c4\uc5f0 \uc528(30\uc138, \uc9c1\uc7a5\uc778)\ub97c \uc608\ub85c \ub4e4\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uae40\ub3c4\uc5f0 \uc528\ub294 5\ub144 \ud6c4\uc5d0 \uc804\uc138\uc790\uae08\uc744 \ub9c8\ub828\ud558\uae30 \uc704\ud574 \uc57d 1\uc5b5 \uc6d0\uc744 \ubaa8\uc73c\ub294 \uac83\uc774 1\ucc28 \ubaa9\ud45c\uc785\ub2c8\ub2e4. \ud604\uc7ac \uc5f0\ubd09\uc740 3,500\ub9cc \uc6d0 \uc815\ub3c4\uc774\uba70, \ub9e4\ub2ec \uc794\uc5c5 \uc218\ub2f9 \ub4f1\uc744 \ud3ec\ud568\ud558\uba74 250\ub9cc \uc6d0\uac00\ub7c9\uc758 \uc21c\uc218 \uac00\ucc98\ubd84 \uc18c\ub4dd\uc744 \ud655\ubcf4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc6d4 \uace0\uc815\uc9c0\ucd9c(\uc6d4\uc138, \uc0dd\ud65c\ube44 \ub4f1)\ub85c 150\ub9cc \uc6d0\uc774 \ub4e4\uc5b4\uac00\ubbc0\ub85c, \uc21c\uc218 \uc800\ucd95 \ubc0f \ud22c\uc790\uc5d0 \uc4f8 \uc218 \uc788\ub294 \uc790\uae08\uc740 \uc57d 100\ub9cc \uc6d0 \uc815\ub3c4\uc785\ub2c8\ub2e4. \uae40 \uc528\ub294 \uc774 100\ub9cc \uc6d0 \uc911 \uc808\ubc18(50\ub9cc \uc6d0)\uc740 \uc608\ube44\ube44\ub85c \uc800\ucd95\ud558\uace0, \ub098\uba38\uc9c0 50\ub9cc \uc6d0\uc740 \ud22c\uc790\uc5d0 \ud65c\uc6a9\ud558\uaca0\ub2e4\ub294 \ubc29\uce68\uc744 \uc138\uc6e0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c\uac00 5\ub144 \ub4a4 1\uc5b5 \uc6d0\uc774\ub77c\uace0 \ud560 \ub54c, \ud604\uc7ac \uae40\ub3c4\uc5f0 \uc528\uc758 \uc21c\uc790\uc0b0\uc740 2,000\ub9cc \uc6d0 \uc815\ub3c4\uc758 \uc608\uc801\uae08\uacfc 300\ub9cc \uc6d0\uc758 \uc8fc\uc2dd \ubcf4\uc720\uc561\uc785\ub2c8\ub2e4. \uc774 \uc0c1\ud669\uc5d0\uc11c \ud604\uc2e4\uc801\uc778 \ub2ec\uc131 \uc804\ub7b5\uc744 \uc9dc\ub824\uba74, \ub9e4\ub144 \uc5bc\ub9c8\ub098 \ud22c\uc790 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294\uc9c0, \ub610 \ucd94\uac00\uc801\uc778 \uc18c\ub4dd \uc99d\uac00 \uac00\ub2a5\uc131\uc774 \uc788\ub294\uc9c0 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc804\uc138 \uc790\uae08 \uc735\uc790\ub098 \uc815\ucc45 \uc9c0\uc6d0\uae08 \ub4f1\ub3c4 \ubcc0\uc218\uc774\uc9c0\ub9cc, \uc77c\ub2e8 \ub2e8\uc21c \uacc4\uc0b0\uc73c\ub85c \uc811\uadfc\ud574\ubcf8\ub2e4\uba74 5\ub144\uac04 \uafb8\uc900\ud788 \uc800\ucd95 \ubc0f \ud22c\uc790\ub97c \ud1b5\ud574 1\uc5b5 \uc6d0\uc758 \uc885\uc7a3\ub3c8\uc744 \ub9cc\ub4e4\uae30 \uc704\ud574\uc11c\ub294 \uc5f0 \ud3c9\uade0 6~8% \uc815\ub3c4\uc758 \ud22c\uc790 \uc218\uc775\ub960\uacfc \ub192\uc740 \uc800\ucd95\ub960\uc774 \ud544\uc694\ud560 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub54c \uae40 \ub3c4\uc5f0 \uc528\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc5b4\ub5bb\uac8c \uad6c\uc131\ud574\uc57c \ud560\uae4c\uc694? \uc6b0\uc120 \uc7a5\uae30 \ubaa9\ud45c\uc774\uc9c0\ub9cc 5\ub144\uc774\ub77c\ub294 \uc2dc\uac04\uc740 \uc2dc\uc7a5 \uc0ac\uc774\ud074\uc744 \uace0\ub824\ud560 \ub54c \uae38\ub2e4\uace0\ub9cc \ubcfc \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc8fc\uc2dd 100%\ub85c \uacf5\uaca9\uc801\uc73c\ub85c \uac00\uae30\ubcf4\ub2e4\ub294, \uc608\uc801\uae08\uacfc \ucc44\uad8c\uc131 \uc790\uc0b0, \uadf8\ub9ac\uace0 \uc801\uc808\ud55c \uc8fc\uc2dd \uc601\uc5ed\uc744 \uacb0\ud569\ud558\ub294 \ubd84\uc0b0 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc73c\ub85c\ub294, \ub9e4\uc6d4 \ud22c\uc790\uc5d0 \uc4f0\ub294 50\ub9cc \uc6d0 \uc911 20\ub9cc \uc6d0\uc740 S&amp;P 500 \uc778\ub371\uc2a4 \ud380\ub4dc \ud639\uc740 \ubbf8\uad6d \ub300\ud615\uc8fc ETF\uc5d0, 10\ub9cc \uc6d0\uc740 \uad6d\ub0b4 \uc6b0\ub7c9\uc8fc ETF\uc5d0, 10\ub9cc \uc6d0\uc740 \ucc44\uad8c\ud615 \ud380\ub4dc\ub098 \ud68c\uc0ac\ucc44 ETF\uc5d0, \ub098\uba38\uc9c0 10\ub9cc \uc6d0\uc740 \uc608\uc801\uae08\uc774\ub098 \ub2e8\uae30 \ucc44\uad8c\ud615 \uc0c1\ud488\uc5d0 \ubc30\uc815\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc774 \uc790\ub3d9 \ud22c\uc790\ub418\ubbc0\ub85c \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ud06c\uac8c \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0 \u2018\uafb8\uc900\ud568\uc758 \ud798\u2019\uc744 \ubc1c\ud718\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc11c \ub9ac\ubc38\ub7f0\uc2f1 \uc5ed\uc2dc \uc911\uc694\ud55c\ub370, 1\ub144\uc5d0 \ud55c \ubc88 \uc815\ub3c4 \uae40 \uc528\uac00 \uc804\uccb4 \ud22c\uc790 \ub0b4\uc5ed\uc744 \uc810\uac80\ud574\ubcf4\uace0, \uc8fc\uc2dd \ube44\uc911\uc774 \uc9c0\ub098\uce58\uac8c \ub192\uc544\uc84c\ub2e4\uba74 \uc77c\ubd80\ub97c \ub9e4\ub3c4\ud558\uc5ec \ucc44\uad8c\uc774\ub098 \uc608\uc801\uae08 \ucabd\uc73c\ub85c \uc62e\uae30\ub294 \ubc29\uc2dd\uc744 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc544\uc6b8\ub7ec \uae08\ub9ac \uc0c1\uc2b9\uc73c\ub85c \uc608\uc801\uae08 \uae08\ub9ac\uac00 \uaf64 \ub192\uc544\uc9c4 2023\ub144 \uc774\ud6c4 \ud658\uacbd\uc5d0\uc11c\ub294, \uc77c\uc815 \ubd80\ubd84 \uc800\ucd95\ud615 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud574 \uc548\uc815\uc801\uc778 \uc774\uc790\ub97c \uc5bb\ub294 \uac83\ub3c4 \ub098\uc058\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 1\ub144 \ub9cc\uae30 \uc815\uae30\uc608\uae08\uc744 \uac00\uc785\ud574 3~4% \uc774\uc790\ub97c \ubc1b\uc73c\uba74\uc11c, \ub9cc\uae30\uac00 \ub418\uba74 \ub2e4\uc2dc \ud22c\uc790 \ube44\uc911\uc744 \uc7ac\uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c \ub2ec\uc131\uc740 \uacb0\uad6d \uc22b\uc790\ub85c\ub9cc \uc774\ub904\uc9c0\ub294 \uacfc\uc815\uc774 \uc544\ub2c8\ubbc0\ub85c, \uae40 \uc528\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \ud22c\uc790\uc5d0 \ubab0\uc785\ud560 \uc218 \uc788\ub294 \ub3d9\uae30 \ubd80\uc5ec\ub3c4 \ud544\uc694\ud569\ub2c8\ub2e4. \uc790\uc2e0\uc774 \uc124\uc815\ud55c 5\ub144 \ub4a4 1\uc5b5 \uc6d0 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uba74 \uc804\uc138\uc790\uae08 6,000\ub9cc \uc6d0\uc744 \ub9c8\ub828\ud558\uace0 \ub098\uba38\uc9c0\ub294 \ucc28\ud6c4 \uc8fc\ud0dd \uad6c\uc785 \uc885\uc7a3\ub3c8\uc73c\ub85c \ub3cc\ub9ac\uaca0\ub2e4\ub294 \uc2dd\uc73c\ub85c, \uad6c\uccb4\uc801\uc778 \uadf8\ub9bc\uc744 \uadf8\ub9ac\uba70 \uc720\uc9c0\ud574\ub098\uac00\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \uc6d4\uae09 \uc678\uc5d0\ub3c4 \ucd94\uac00 \uc218\uc785\uc744 \ucc3d\ucd9c\ud560 \uae30\ud68c(\uc608: \ud504\ub9ac\ub79c\uc11c \ud65c\ub3d9\uc774\ub098 \uc18c\uc18c\ud55c \ubd80\uc5c5)\uac00 \uc788\ub294\uc9c0 \ud0d0\uc0c9\ud558\uc5ec, \ubaa9\ud45c \ub2ec\uc131 \uc2dc\uc810\uc744 \uc55e\ub2f9\uae38 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\ub978 \uc0ac\ub840\ub85c, 40\ub300 \uc911\ubc18\uc758 \uc774\ud604\uc8fc \uc528\ub294 \uc544\uc774\uc758 \ub300\ud559 \ub4f1\ub85d\uae08\uc744 \ub9c8\ub828\ud558\ub294 \ub3d9\uc2dc\uc5d0, 10\ub144 \ud6c4 \uc740\ud1f4\ub97c \uc900\ube44\ud558\ub294 \uc774\uc911 \ubaa9\ud45c\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0\uc5d0\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uae30\uac04\uc774 \ubd84\uc0b0\ub418\ubbc0\ub85c, \ud559\uc0dd\uc774 \ub300\ud559\uc5d0 \ub4e4\uc5b4\uac00\uae30 \uc804\uae4c\uc9c0 \ud544\uc694\ud55c \uc790\uae08\uc740 \ube44\uad50\uc801 \uc548\uc815\uc801\uc73c\ub85c \uc6b4\uc6a9(\uc608\uc801\uae08, \ucc44\uad8c \uc704\uc8fc)\ud558\uace0, \uc740\ud1f4 \uc0dd\ud65c\uc744 \ub300\ube44\ud558\ub294 \uc790\uae08\uc740 \uc8fc\uc2dd\uacfc ETF \ub4f1 \uc7a5\uae30 \uc131\uc7a5\ud615 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\ubc95\uc73c\ub85c \uc774\uc6d0\ud654\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ub2e8\uae30 \uc790\uae08\uacfc \uc7a5\uae30 \uc790\uae08\uc744 \ubd84\ub9ac\ud574\ub450\uba74, \uc7a5\uae30 \ud22c\uc790\uc5d0\uc11c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4 \ub2e8\uae30 \uc790\uae08\uc5d0 \uc601\ud5a5\uc744 \uc8fc\uc9c0 \uc54a\uc544 \uc2ec\ub9ac\uc801 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \uac01\uc790 \ucc98\ud55c \uc0c1\ud669\uacfc \ubaa9\ud45c, \uadf8\ub9ac\uace0 \ud22c\uc790 \uac00\ub2a5 \uae30\uac04\uc5d0 \ub530\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5\uc740 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740, \uc790\uc2e0\uc774 \uc124\uc815\ud55c \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \uac00\uc6a9\ud560 \uc218 \uc788\ub294 \ubaa8\ub4e0 \uc790\uc6d0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \ubc30\ubd84\ud558\uace0, \uc2dc\uc7a5 \uc0c1\ud669 \ubcc0\ud654\ub098 \uac1c\uc778\uc801 \ubcc0\uc218(\uacb0\ud63c, \uc721\uc544, \uc774\uc9c1 \ub4f1)\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uae30\uc5d0 \u2018\ub2e8\ud0c0\u2019\ub9cc\uc744 \ub178\ub9ac\uace0 \ub4e4\uc5b4\uac00\uba74 \uc7a5\uae30\uc801 \ud50c\ub79c\uc774 \ud754\ub4e4\ub9b4 \uc218 \uc788\uc73c\ubbc0\ub85c, \ubaa9\ud45c \uc911\uc2ec\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac15\uc870\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ub840\ub97c \ud1b5\ud574 \uc54c \uc218 \uc788\ub4ef\uc774, \u2018\uad6c\uccb4\uc801\uc778 \uc218\uce58\uc640 \uae30\uac04, \ud604\uc2e4\uc801\uc778 \ubc29\uc2dd\u2019\uc774 \ud22c\uc790 \uc131\uacf5\uc758 \uc5f4\uc1e0\uc785\ub2c8\ub2e4. \ub9c9\uc5f0\ud788 \u201c\uc798 \ub418\uaca0\uc9c0\u201d\ub77c\ub294 \ud76c\ub9dd\ub9cc\uc73c\ub85c\ub294 \uc8fc\uc2dd\uc774 \ub5a8\uc5b4\uc9c0\uac70\ub098, \uc608\uc0c1\uce58 \ubabb\ud55c \ube44\uc6a9(\ubcd1\uc6d0\ube44, \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc2e4\uc9c1 \ub4f1)\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c \ub2f9\ud669\ud558\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2dc\ub098\ub9ac\uc624 \ud50c\ub798\ub2dd(Scenario Planning) \ubc29\uc2dd\uc73c\ub85c, \uc5ec\ub7ec \uac00\uc9c0 \uc0c1\ud669\uc744 \uac00\uc815\ud574\ubcf4\uace0 \ubbf8\ub9ac \ub300\ube44\ucc45\uc744 \uc138\uc6cc\ub450\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300, \uc8fc\uc2dd\uc2dc\uc7a5\uc774 \uae09\ub77d\ud588\uc744 \ub54c \uc608\ube44\ube44\uc5d0\uc11c \uc5bc\ub9c8\ub97c \ucd94\uac00 \ud22c\uc785\ud574 \ub9e4\uc218 \uae30\ud68c\ub97c \ud3ec\ucc29\ud560 \uac83\uc778\uc9c0, \ud639\uc740 \uc815\uae30\uc608\uae08 \ub9cc\uae30 \uc790\uae08\uc744 \uc8fc\uc2dd\uc5d0 \uc7ac\ud22c\uc790\ud560 \uac83\uc778\uc9c0 \ub4f1\uc744 \ubbf8\ub9ac \uc0dd\uac01\ud574\ub450\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub807\ub4ef \uc0ac\ub840 \uc5f0\uad6c\ub294 \uc2e4\uc81c\ub85c \ud22c\uc790\uc790\uac00 \uc9c1\uba74\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uace0\ubbfc\uacfc \ubb38\uc81c\ub97c \ubbf8\ub9ac \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ucd08\ubcf4\uc790\ub4e4\uc740 \uc790\uc2e0\ub9cc\uc758 \ucd5c\uc801 \ud574\ubc95\uc744 \ubaa8\uc0c9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacb0\uad6d \uc911\uc694\ud55c \uac83\uc740 \u2018\ubaa9\ud45c\uc5d0 \ubd80\ud569\ud558\ub294 \uc804\ub7b5\u2019\uc744 \uc120\ud0dd\ud558\uace0, \u2018\uc9c0\uc18d\uc801\uc774\uace0 \uc77c\uad00\uc801\uc778 \uc2e4\ud589\u2019\uc744 \ud1b5\ud574 \uc2dc\uac04\uc744 \uc544\uad70\uc73c\ub85c \ub9cc\ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\uc801\uacfc \uae30\uac04\uc744 \uace0\ub824\ud55c \ubd84\uc0b0 \ud22c\uc790\uc640 \uc790\uc0b0 \ubc30\ubd84, \uadf8\ub9ac\uace0 \uc9c0\uc18d\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc774 \uc774\ub97c \ub4b7\ubc1b\uce68\ud574\uc904 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\ubb34\ub9ac\ud558\uc790\uba74, \uc0ac\ub840 \uc5f0\uad6c\ub294 \u2018\ub098\ub3c4 \ud560 \uc218 \uc788\ub2e4\u2019\ub294 \uc790\uc2e0\uac10\uc744 \uc2ec\uc5b4\uc8fc\ub294 \ub3d9\uc2dc\uc5d0, \uc815\ud655\ud55c \uc218\uce58\uc640 \uc0c1\ud669 \ubd84\uc11d\uc5d0 \uae30\ubc18\ud55c \ub85c\ub4dc\ub9f5\uc744 \ub9c8\ub828\ud558\ub294 \uacc4\uae30\uac00 \ub429\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \uc0ac\ub840\uc5d0\uc11c \uc9c0\ud61c\ub97c \uc5bb\uc5b4, \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \ud604\uc2e4\uc744 \uba74\ubc00\ud788 \uac80\ud1a0\ud558\uace0 \ub9de\ucda4\ud615 \ubc29\ubc95\ub860\uc744 \uc801\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc2e4\uc81c \ud22c\uc790 \uc2e4\ud589 \uc911\uc5d0 \uace0\ub824\ud574\uc57c \ud560 \uc2e4\ud589 \uc804\ub7b5\uacfc \ub9c8\uc778\ub4dc\uc14b, \uadf8\ub9ac\uace0 \ucd5c\uadfc \ud2b8\ub80c\ub4dc\ub97c \ubc18\uc601\ud55c \uc138\ubd80 \ud301\uc5d0 \ub300\ud574 \uc885\ud569\uc801\uc73c\ub85c \ub2e4\ub904\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\ub294 \uacb0\ucf54 \u2018\ud55c\ub450 \ubc88\uc758 \uc131\uacf5\u2019\uc73c\ub85c \ubaa8\ub4e0 \uac83\uc774 \ud574\uacb0\ub418\ub294 \uc77c\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\uc640 \uc131\uc2e4\ud55c \uc2e4\ud589, \uadf8\ub9ac\uace0 \uc801\uc808\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \ud1b5\ud574 \ucc28\uadfc\ucc28\uadfc \ubaa9\ud45c\uc5d0 \uac00\uae4c\uc6cc\uc9c0\ub294 \uacfc\uc815\uc744 \uc990\uae30\ub294 \uc0ac\ub78c\uc774 \uacb0\uad6d \uafb8\uc900\ud788 \uc7ac\ud14c\ud06c\uc5d0 \uc131\uacf5\ud558\uac8c \ub429\ub2c8\ub2e4. \uc5b4\ub5a4 \uc0ac\ub78c\uc774\ub4e0 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ucdb0 \uad6c\uccb4\uc801\uc774\uace0 \uce58\ubc00\ud55c \ub85c\ub4dc\ub9f5\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uc5fc\ub450\uc5d0 \ub450\uace0, \uc0ac\ub840\uc758 \uc7a5\uc810\uc744 \ucde8\ud569\ud574 \ub098\ub9cc\uc758 \uc804\ub7b5\uc744 \uc644\uc131\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h2 id=\"%e2%85%b3-%ec%8b%a4%ed%96%89-%ec%a0%84%eb%9e%b5%ea%b3%bc-%eb%a7%88%ec%9d%b8%eb%93%9c%ec%85%8b-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%ec%b5%9c%ea%b7%bc-%ed%8a%b8%eb%a0%8c%eb%93%9c-%ed%99%9c%ec%9a%a9%ed%95%98-qzDTqcCdYj\">\u2163. \uc2e4\ud589 \uc804\ub7b5\uacfc \ub9c8\uc778\ub4dc\uc14b, \uadf8\ub9ac\uace0 \ucd5c\uadfc \ud2b8\ub80c\ub4dc \ud65c\uc6a9\ud558\uae30<\/h2>\n<p>\uc774\uc81c \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud22c\uc790 \ubaa9\ud45c\ub97c \uc131\uacf5\uc801\uc73c\ub85c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \uc2e4\uc81c\ub85c \uc5b4\ub5a4 \uc804\ub7b5\uacfc \ub9c8\uc74c\uac00\uc9d0\uc774 \ud544\uc694\ud55c\uc9c0 \uc815\ub9ac\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uc5d0\uac8c \uc911\uc694\ud55c \uac83\uc740 \u2018\uc2e4\ud589\u2019\uc785\ub2c8\ub2e4. \uc544\ubb34\ub9ac \ud6cc\ub96d\ud55c \ubaa9\ud45c\uc640 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc788\uc5b4\ub3c4 \ud589\ub3d9\uc73c\ub85c \uc62e\uae30\uc9c0 \uc54a\uc73c\uba74 \uc758\ubbf8\uac00 \uc5c6\uaca0\uc8e0. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uc77c\uc815\ud55c \uc2b5\uad00 \ud615\uc131\uacfc \uc801\uc808\ud55c \ub3d9\uae30 \ubd80\uc5ec, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \ubcc0\ud654\ub97c \uba74\ubc00\ud788 \uad00\ucc30\ud558\ub294 \ud0dc\ub3c4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \ub4e4\uc5b4 \uae09\ubcc0\ud558\ub294 \uae08\uc735 \uc2dc\uc7a5 \uc18d\uc5d0\uc11c \uc548\uc815\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ubd88\ub9ac\ub824\uba74, \uacfc\uac70\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ube60\ub974\uace0 \uc815\ud655\ud55c \ub300\uc751\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<p>\uccab\uc9f8\ub85c, \u2018\uc790\ub3d9\ud654\u2019\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub294 \ubc29\uc2dd\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc0ac\ub78c\uc774 \uc9c1\uc811 \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc744 \uc7ac\uace0, \ub9e4\ubc88 \ud22c\uc790\uae08\uc744 \uc62e\uae30\ub294 \uac83\uc740 \ubc88\uac70\ub86d\uace0 \uac10\uc815\uc5d0 \uc88c\uc6b0\ub420 \uc704\ud5d8\uc774 \ud07d\ub2c8\ub2e4. \uadf8\ub798\uc11c \ub9e4\uc6d4 \uc6d4\uae09\uc77c\uc5d0 \ub9de\ucdb0 \uc77c\uc815 \uae08\uc561\uc774 \uc790\ub3d9\uc73c\ub85c \ud22c\uc790 \uacc4\uc88c\ub098 \ud380\ub4dc, ETF\uc5d0 \ub4e4\uc5b4\uac00\ub3c4\ub85d \uc124\uc815\ud574\ub450\uba74, \uc2dc\uc7a5\uc774 \uc624\ub974\ub4e0 \ub0b4\ub9ac\ub4e0 \uafb8\uc900\ud788 \ub9e4\uc218\ud558\ub294 \u2018\uc801\ub9bd\uc2dd \ud22c\uc790\u2019 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub354\ubd88\uc5b4 \uc774\ub807\uac8c \uc790\ub3d9\ud654\ud574\ub450\uba74 \uc2ec\ub9ac\uc801 \ubd80\ub2f4\ub3c4 \uc904\uc5b4\ub4e4\uae30 \ub54c\ubb38\uc5d0, \uc7a5\uae30 \ud22c\uc790\ub97c \uc9c0\uc18d\ud558\uae30\uac00 \ud6e8\uc52c \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8\ub85c, \u2018\uc815\ubcf4 \uc218\uc9d1\uacfc \ud544\ud130\ub9c1\u2019 \ub2a5\ub825\uc744 \uae38\ub7ec\uc57c \ud569\ub2c8\ub2e4. 2023\ub144 \uc774\ud6c4 \ud22c\uc790 \ud658\uacbd\uc740 SNS\ub098 \uc720\ud29c\ube0c, \uac01\uc885 \ub9ac\uc11c\uce58 \uae30\uad00\uc5d0\uc11c \uc3df\uc544\ub0b4\ub294 \uc815\ubcf4\uc758 \ud64d\uc218 \uc18d\uc5d0\uc11c \ud22c\uc790\uc790\ub4e4\uc774 \uc62c\ubc14\ub978 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \ub354\uc6b1 \uc5b4\ub824\uc6cc\uc9c4 \uc2dc\uae30\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30\uc801 \uc774\uc288\uc5d0 \ud729\uc4f8\ub9ac\uc9c0 \uc54a\uace0, \uae30\uc5c5\uc758 \ud380\ub354\uba58\ud138\uacfc \uac70\uc2dc\uacbd\uc81c \uc9c0\ud45c, \uae08\ub9ac \uc6c0\uc9c1\uc784, \uc778\ud50c\ub808\uc774\uc158 \uc804\ub9dd \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uace0 \uc7a5\uae30 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \ud3c9\uac00\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d \uc5f0\uc900\uc758 \uae08\ub9ac \uc778\uc0c1 \uc2a4\ucf00\uc904\uc774\ub098 \uad6d\ub0b4 \uacbd\uae30 \uc9c0\ud45c, \uadf8\ub9ac\uace0 \uae00\ub85c\ubc8c \ud14c\ud06c \uc5c5\uacc4 \ub3d9\ud5a5 \ub4f1\uc744 \uc815\uae30\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\uba74, \ubb34\ub9ac\ud55c \ubca0\ud305\uc774\ub098 \ubd88\ud544\uc694\ud55c \uacf5\ud3ec \uc2ec\ub9ac\ub97c \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8\ub85c, \u2018\ubaa9\ud45c \uc7ac\uc810\uac80\u2019\uc758 \uc911\uc694\uc131\uc744 \ud56d\uc0c1 \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc55e\uc11c \ub9d0\ud588\ub4ef\uc774, \ud22c\uc790 \ubaa9\ud45c\ub294 \uc720\uc5f0\ud558\uc9c0\ub9cc \uc790\uc8fc \ubc14\uafb8\uba74 \uc7a5\uae30\uc801 \uc131\uacfc\uac00 \uc545\ud654\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubd84\uae30\ub098 \ubc18\uae30\uc5d0 \ud55c \ubc88\uc529 \ubaa9\ud45c\ub97c \ub2e4\uc2dc \uc0b4\ud3b4\ubcf4\uace0, \uc131\uacfc\uac00 \uc5b4\ub290 \uc815\ub3c4 \ub2ec\uc131\ub418\uace0 \uc788\ub294\uc9c0, \uc608\uc0c1\uce58 \ubabb\ud55c \ubcc0\uc218(\uc608: \uc2e4\uc9c1, \uae34\uae09 \uc790\uae08 \uc18c\uc694, \ud639\uc740 \uc8fc\uc2dd \uc2dc\uc7a5 \ud3ed\ub77d \ub4f1)\uac00 \ubc1c\uc0dd\ud588\uc744 \uacbd\uc6b0 \uc5b4\ub5bb\uac8c \ub300\uc751\ud560\uc9c0\ub97c \uace0\ubbfc\ud574\ubd05\ub2c8\ub2e4. \uc774\ub807\uac8c \uc8fc\uae30\uc801\uc778 \uc810\uac80\uc744 \ud1b5\ud574 \ubd88\ud544\uc694\ud55c \uc870\uae09\ud568\uc744 \ud53c\ud558\uace0, \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \ub354\uc6b1 \uacf5\uace0\ud788 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8\ub85c, \u2018\uc2ec\ub9ac \uad00\ub9ac\u2019\uac00 \ud544\uc218\uc785\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \ubb34\uc11c\uc6b4 \uc801\uc740 \uc2dc\uc7a5\uc774 \uc544\ub2c8\ub77c \uc790\uc2e0\uc774\ub77c\uace0 \ud754\ud788\ub4e4 \ub9d0\ud569\ub2c8\ub2e4. \uc8fc\uac00\uac00 \ud558\ub77d\ud560 \ub54c \uacf5\ud3ec\uc5d0 \uc9c8\ub824\uc11c \uae09\ud788 \uc190\uc808\ud558\uac70\ub098, \ubc18\ub300\ub85c \ud070 \uc0c1\uc2b9\uc7a5\uc744 \ub193\uce60\uae4c \ub450\ub824\uc6cc \ubb34\ub9ac\ud558\uac8c \ube5a\uc744 \ub0b4\uc5b4 \ud22c\uc790\ud558\ub294 \ub4f1\uc758 \uac10\uc815\uc801 \uacb0\uc815\uc740 \uc131\uacf5 \ud655\ub960\uc744 \ub0ae\ucda5\ub2c8\ub2e4. \uc774\ub97c \ubc29\uc9c0\ud558\ub824\uba74, \ubd84\uc0b0 \ud22c\uc790\ub97c \ud1b5\ud574 \uc704\ud5d8\uc744 \uc5b4\ub290 \uc815\ub3c4 \uc81c\ud55c\ud574\ub450\uace0, \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub530\ub978 \uc2dc\uc2a4\ud15c\uc801 \uaddc\uce59(\uc608: \u201c\uc190\uc2e4 10%\uac00 \ubc1c\uc0dd\ud558\uba74 \uc77c\ubd80 \uc190\uc808\ud558\ub418, \ub098\uba38\uc9c0\ub294 \uc720\uc9c0\ud55c\ub2e4\u201d \ub4f1)\uc744 \ubbf8\ub9ac \uc815\ud574\ub450\ub294 \ubc29\uc2dd\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \ud568\uaed8 \ucd5c\uadfc \ud2b8\ub80c\ub4dc\ub97c \ub2a5\ub3d9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. 2023\ub144\uc5d0\ub294 \uae30\uc220\uc8fc \uc911\uc2ec\uc758 \uc131\uc7a5\uc8fc \ubc18\ub4f1 \uac00\ub2a5\uc131, \ucc44\uad8c \uc2dc\uc7a5\uc758 \ub9e4\ub825 \uc0c1\uc2b9, \uc6d0\uc790\uc7ac \ubc0f \ub300\uccb4\ud22c\uc790 \uc0c1\ud488\uc758 \ubcc0\ub3d9\uc131 \uc99d\uac00 \ub4f1\uc774 \ud0a4\uc6cc\ub4dc\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc55e\uc73c\ub85c 2024~2025\ub144\uc5d0\ub294 \uae08\ub9ac \uc778\uc0c1 \uc0ac\uc774\ud074\uc774 \ub9c8\ubb34\ub9ac\ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ud558\ub294 \uc2dc\uac01\uc774 \ub9ce\uc73c\ubbc0\ub85c, \uc774 \uc2dc\uc810\uc5d0\uc11c \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ub2e4\uc2dc\uae08 \ubcf8\uaca9\uc801\uc778 \ub7a0\ub9ac\ub97c \ub9de\uc774\ud560 \uac00\ub2a5\uc131\uc744 \uc5fc\ub450\uc5d0 \ub450\ub294 \ud22c\uc790\uc790\ub4e4\ub3c4 \ub298\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774\ub7ec\ud55c \ud2b8\ub80c\ub4dc\ub294 \uc5b4\ub514\uae4c\uc9c0\ub098 \u2018\ucc38\uace0\u2019\uc77c \ubfd0\uc774\uba70, \uac1c\uc778\uc758 \ubaa9\ud45c\uc640 \ud22c\uc790 \uc9c0\ud3c9\uc744 \ub118\uc5b4\uc11c\ub294 \ud22c\uae30\ub294 \uae08\ubb3c\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5d0\ub108\uc9c0\uc6d0 \uc804\ud658, \uadf8\ub9b0 \ub274\ub51c, \uc804\uae30\ucc28 \ubc0f 2\ucc28\uc804\uc9c0 \uc0b0\uc5c5, \uc778\uacf5\uc9c0\ub2a5(AI) \uad00\ub828 \ud22c\uc790\ub3c4 2023\ub144 \uc774\ud6c4 \uc911\uc694\ud55c \ud654\ub450\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc804 \uc138\uacc4\uc801\uc73c\ub85c ESG(\ud658\uacbd\u00b7\uc0ac\ud68c\u00b7\uc9c0\ubc30\uad6c\uc870) \uad00\ub828 \uaddc\uc81c\uac00 \uac15\ud654\ub418\uba74\uc11c, \uad00\ub828 \uae30\uc5c5\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub9cc\uc57d \uc774 \ubd84\uc57c\uc5d0 \uad00\uc2ec\uc774 \uc788\ub2e4\uba74, \ud14c\ub9c8\ud615 ETF\ub098 \uad00\ub828 \ud380\ub4dc\uc5d0 \uc77c\ubd80\ub97c \ud3b8\uc785\ud558\uc5ec \ud2b8\ub80c\ub4dc\ub97c \uc5b4\ub290 \uc815\ub3c4 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc139\ud130 \uc9d1\uc57d\uc801\uc778 \ud14c\ub9c8\ud615 \ud22c\uc790\ub294 \uc77c\ubc18 \uc778\ub371\uc2a4\ubcf4\ub2e4 \uc704\ud5d8\uc774 \ud074 \uc218 \uc788\uc73c\ubbc0\ub85c, \ubc18\ub4dc\uc2dc \ubd84\uc0b0 \ud22c\uc790 \uc6d0\uce59\uc744 \uc78a\uc9c0 \ub9d0\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub098\uc544\uac00, \uc55e\uc120 \uc139\uc158\uc5d0\uc11c \uac15\uc870\ud588\ub4ef\uc774 \u2018\ub9ac\ubc38\ub7f0\uc2f1\u2019\uc744 \uc2b5\uad00\ud654\ud574\uc57c \ud569\ub2c8\ub2e4. \ubd84\uae30 \ubcc4 \ud639\uc740 \ubc18\uae30 \ubcc4\ub85c \ud22c\uc790 \uc790\uc0b0 \uad6c\uc131 \ube44\uc728\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0, \ubaa9\ud45c\ud588\ub358 \ubc14\uc2a4\ucf13 \uad6c\uc131\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \ud2b9\uc815 \uc139\ud130\uac00 \uc9c0\ub098\uce58\uac8c \uae09\ub4f1\ud574 \ube44\uc911\uc774 \ub192\uc544\uc84c\ub2e4\uba74, \uc77c\ubd80 \ucc28\uc775\uc744 \uc2e4\ud604\ud558\uace0 \ub2e4\ub978 \uc790\uc0b0\uc73c\ub85c \uc62e\uae30\ub294 \uc2dd\uc73c\ub85c \uc704\ud5d8\uc744 \ubd84\uc0b0\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \uc9c0\ub098\uce5c \uc9d1\uc911\uc73c\ub85c \uc778\ud574 \ud558\ub77d\uc7a5\uc5d0 \ud06c\uac8c \ud0c0\uaca9\uc744 \uc785\ub294 \uc0c1\ud669\uc744 \ubbf8\uc5f0\uc5d0 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9 \ud3ec\uc778\ud2b8\ub294, \u2018\ud22c\uc790\ub97c \uc990\uae38 \uc218 \uc788\ub294 \ud658\uacbd\u2019\uc744 \uc870\uc131\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc7a5\uae30 \ubaa9\ud45c\ub97c \ud5a5\ud574 \uac00\ub294 \uacfc\uc815\uc5d0\uc11c, \ub9e4\ub2ec \ubb34\uc870\uac74 \uc758\ubbf8 \uc5c6\uc774 \ub3c8\ub9cc \ub123\ub294\ub2e4\uace0 \ub290\uaef4\uc9c0\uba74 \uc5b4\ub290 \uc21c\uac04 \uc9c0\uce58\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uc791\uc740 \uc131\uacf5 \uc0ac\ub840\ub97c \ucd95\ud558\ud558\uac70\ub098, \ud2b9\uc815 \uc218\uc775\ub960\uc744 \ub2ec\uc131\ud588\uc744 \ub54c \uc2a4\uc2a4\ub85c\uc5d0\uac8c \ubcf4\uc0c1\uc744 \uc8fc\ub294 \uac83\ub3c4 \ud22c\uc790 \ub3d9\uae30\ub97c \uc720\uc9c0\ud558\ub294 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub610\ud55c \uafb8\uc900\ud55c \ub3c5\uc11c\uc640 \uc138\ubbf8\ub098, \ud31f\uce90\uc2a4\ud2b8 \uc2dc\uccad \ub4f1\uc744 \ud1b5\ud574 \uae08\uc735 \uad50\uc721\uc744 \uc9c0\uc18d\ud558\uba74, \uc810\uc810 \ub354 \ub192\uc740 \uc218\uc900\uc758 \uc815\ubcf4\ub97c \uc811\ud558\uac8c \ub418\uace0 \uc790\uae30\uc8fc\ub3c4\uc801 \uc758\uc0ac\uacb0\uc815 \uc5ed\ub7c9\ub3c4 \uc88b\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \u2018\ud22c\uc790 \ubaa9\ud45c \ub2ec\uc131\u2019\uc740 \ub2e8\uae30\uac04\uc5d0 \uc774\ub8e8\uc5b4\uc9c0\ub294 \uc774\ubca4\ud2b8\uac00 \uc544\ub2c8\ub77c, \uc7a5\uae30\uc801\uc778 \ud559\uc2b5\uacfc \uc2e4\ucc9c, \uadf8\ub9ac\uace0 \uc2b5\uad00\uc758 \ucd95\uc801 \uacfc\uc815\uc785\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ub77c\ub3c4 \uba85\ud655\ud55c \ubaa9\ud45c\uc640 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \ud2b8\ub80c\ub4dc\ub97c \ucda9\ubd84\ud788 \uc774\ud574\ud558\uace0 \uc788\ub2e4\uba74, \ud070 \uc5b4\ub824\uc6c0 \uc5c6\uc774 \uc77c\uc815 \uc218\uc775\ub960\uc744 \uc313\uc544\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc774 \uc5b8\uc81c\ub4e0 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc9c0\ub9cc, \uadf8\ub7f4 \ub54c\ub9c8\ub2e4 \ud3c9\uc815\uc2ec\uc744 \uc720\uc9c0\ud558\uace0 \ubaa9\ud45c\uc5d0 \ub530\ub978 \uc6d0\uce59\uc801 \ud310\ub2e8\uc744 \ud55c\ub2e4\uba74, \uc7a5\uae30\uc801\uc73c\ub85c \ubaa9\ud45c\ub97c \uc774\ub8e8\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub85c\uc368 \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131 \uc804\ub7b5\uc5d0 \ub300\ud574, 4\uac1c\uc758 \uc139\uc158\uc5d0 \uac78\uccd0 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ubaa9\ud45c \uc124\uc815\uc758 \uc911\uc694\uc131, \ubd84\uc0b0 \ud22c\uc790\uc640 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131, \uc2e4\uc81c \uc0ac\ub840 \uc5f0\uad6c, \uadf8\ub9ac\uace0 \uc2e4\ud589 \uc804\ub7b5\uacfc \ub9c8\uc778\ub4dc\uc14b, \ucd5c\uadfc \ud2b8\ub80c\ub4dc \ub4f1 \ud575\uc2ec \ud3ec\uc778\ud2b8\ub97c \ubaa8\ub450 \uc9da\uc5b4\ubd24\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc774 \uae00\uc744 \uc77d\uace0 \uacc4\uc2dc\ub294 \ub3c5\uc790\ubd84\ub4e4\uc774\ub77c\uba74, \uc774\uc81c \ub9c9\uc5f0\ud588\ub358 \u2018\ud22c\uc790\u2019\uc758 \uc138\uacc4\uac00 \uc870\uae08\uc740 \uad6c\uccb4\uc801\uc774\uace0 \ub3c4\uc804\ud574\ubcfc \ub9cc\ud558\ub2e4\ub294 \uc0dd\uac01\uc774 \ub4dc\uc168\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud22c\uc790\ub294 \ub04a\uc784\uc5c6\uc774 \ud559\uc2b5\ud558\uace0, \uc791\uc740 \uc2e4\ud328\ub97c \uad50\ud6c8 \uc0bc\uc544 \uac1c\uc120\ud574\ub098\uac00\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \ub204\uad6c\ub098 \ucc98\uc74c\uc5d4 \ucd08\ubcf4\uc790\uc9c0\ub9cc, \uc77c\ub2e8 \uc2dc\uc791\ud574\uc11c \uacbd\ud5d8\uc744 \uc313\uace0 \uc9c0\uc2dd\uc744 \ub298\ub9ac\uba74 \uc5bc\ub9c8\ub4e0\uc9c0 \uc804\ubb38\uac00\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uc740 \uadf8 \ucd9c\ubc1c\uc810\uc73c\ub85c, \ud754\ub4e4\ub9ac\ub294 \uc2dc\uc7a5 \uc18d\uc5d0\uc11c\ub3c4 \ub098\ub97c \uc9c0\ucf1c\uc8fc\ub294 \ub4e0\ub4e0\ud55c \uc774\uc815\ud45c\uac00 \ub429\ub2c8\ub2e4. \uc774\uc81c \ubcf8\uc778\uc758 \uc7ac\uc815 \uc0c1\ud669\uacfc \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc5d0 \ub9de\ucdb0 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc778 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\uace0, \uafb8\uc900\ud788 \uc2e4\ucc9c\ud574 \ub098\uac00\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h2 id=\"%eb%a7%88%eb%ac%b4%eb%a6%ac-%ec%9a%94%ec%95%bd-%eb%b0%8f-%ea%b2%b0%eb%a1%a0-qzDTqcCdYj\">\ub9c8\ubb34\ub9ac \uc694\uc57d \ubc0f \uacb0\ub860<\/h2>\n<p>\uc9c0\uae08\uae4c\uc9c0 \u2460 \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uc758 \uc911\uc694\uc131\uacfc \uac1c\ub150, \u2461 \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uacfc \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5, \u2462 \uc2e4\uc81c \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud55c \ubaa9\ud45c \ub2ec\uc131 \ub85c\ub4dc\ub9f5, \uadf8\ub9ac\uace0 \u2463 \uc2e4\ud589 \uc804\ub7b5\uacfc \ub9c8\uc778\ub4dc\uc14b, \ucd5c\uadfc \ud2b8\ub80c\ub4dc\ub97c \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc744 \ub2e8\uacc4\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ud575\uc2ec\uc744 \uc694\uc57d\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uad6c\uccb4\uc801\uc778 \ud22c\uc790 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uba74 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0, \uc77c\uad00\ub41c \ud22c\uc790 \ucca0\ud559\uc744 \uc720\uc9c0\ud558\uae30\uac00 \uc218\uc6d4\ud569\ub2c8\ub2e4.<\/li>\n<li>\ubd84\uc0b0 \ud22c\uc790\ub294 \ucd08\ubcf4\uc790\uc5d0\uac8c \ud544\uc218\uc801\uc774\uba70, \uc790\uc0b0 \ubc30\ubd84\uacfc \ub9ac\ubc38\ub7f0\uc2f1\uc73c\ub85c \uc704\ud5d8\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc904\uc774\uace0 \uafb8\uc900\ud55c \uc131\uc7a5\uc744 \ub178\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc0ac\ub840 \uc5f0\uad6c\ub294 \uafc8\uc5d0 \uadf8\uce58\ub294 \uacc4\ud68d\uc774 \uc544\ub2c8\ub77c, \uc2e4\uc81c\ub85c \ub2ec\uc131 \uac00\ub2a5\ud55c \ub85c\ub4dc\ub9f5\uc744 \ub9cc\ub4e4\uc5b4\uc8fc\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc790\uc2e0\uc758 \uc0c1\ud669\uacfc \uc720\uc0ac\ud55c \uc0ac\ub840\ub97c \ucc3e\uc544 \ucc38\uace0\ud558\uba74 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc740 \uae08\ub9ac \ubcc0\ud654\uc640 \uae30\uc220\uc8fc\uc758 \ubc18\ub4f1, ESG \ud22c\uc790\uc758 \ubd80\uc0c1 \ub4f1 \uc5ec\ub7ec \ud2b8\ub80c\ub4dc\uac00 \ud63c\uc7ac\ud574 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ucc38\uace0\ud558\ub418, \uc9c0\ub098\uce5c \ud22c\uae30\ub294 \uc9c0\uc591\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc7a5\uae30\uc801\uc778 \uc2e4\ud589\uacfc \ud559\uc2b5, \uc2ec\ub9ac \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc790\ub3d9\ud654\ub41c \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \uafb8\uc900\ud788 \ud22c\uc790 \uc2b5\uad00\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ud22c\uc790\ub780 \ub2e8\uc21c\ud788 \ube60\ub978 \ubd80\ub97c \uc5bb\ub294 \uc218\ub2e8\uc774 \uc544\ub2c8\ub77c, \uc778\uc0dd \uc804\ubc18\uc5d0 \uac78\uce5c \uc7ac\uc815\uc801 \uc548\uc815\uacfc \uafc8\uc744 \uc2e4\ud604\ud558\ub294 \uc911\uc694\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ucd08\ubcf4\uc790 \uc2dc\uc808\uc5d0\ub294 \uc2dc\ud589\ucc29\uc624\ub3c4 \ub9ce\uaca0\uc9c0\ub9cc, \uc62c\ubc14\ub978 \ubaa9\ud45c\uc640 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uafb8\uc900\ud55c \uc2e4\ud589\ub825\uc744 \uac16\ucd94\uba74 \ub204\uad6c\ub098 \u2018\ub3c8\uc774 \uc77c\ud558\ub294 \uc2dc\uc2a4\ud15c\u2019\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\uc57c\ud750\ub85c \ubcc0\ub3d9\uc131\uc774 \ucee4\uc9c4 \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c, \uba85\ud655\ud55c \ubaa9\ud45c\uc640 \ud604\uba85\ud55c \ubd84\uc0b0 \ud22c\uc790 \uc6d0\uce59, \uadf8\ub9ac\uace0 \ud559\uc2b5\uacfc \uc131\uc7a5\uc758 \uc790\uc138\uac00 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc694\uad6c\ub418\ub294 \uc2dc\uc810\uc785\ub2c8\ub2e4. \uc774 \uae00\uc774 \uc7ac\ud14c\ud06c\ub97c \ucc98\uc74c \uc2dc\uc791\ud558\ub294 \ubd84\ub4e4\uc5d0\uac8c \uc720\uc6a9\ud55c \uac00\uc774\ub4dc\uc640 \ub3d9\uae30\ubd80\uc5ec\uac00 \ub418\uae38 \uc9c4\uc2ec\uc73c\ub85c \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\ub294 \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \uc2e4\uc6a9\uc801 \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131 \uc804\ub7b5\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4. \uc62c\ubc14\ub978 \uae08\uc735 \uc2b5\uad00\uc73c\ub85c \uc790\uc0b0\uc744 \ud0a4\uc6cc\ubcf4\uc138\uc694.<\/p>\n","protected":false},"author":1,"featured_media":12634,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1965],"tags":[7054],"class_list":["post-57394","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-ai"],"acf":[],"_links":{"self":[{"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/posts\/57394","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/comments?post=57394"}],"version-history":[{"count":1,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/posts\/57394\/revisions"}],"predecessor-version":[{"id":57397,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/posts\/57394\/revisions\/57397"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/media\/12634"}],"wp:attachment":[{"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/media?parent=57394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/categories?post=57394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/8gfg.shop\/blog\/wp-json\/wp\/v2\/tags?post=57394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}