{"id":959,"date":"2026-05-04T07:23:58","date_gmt":"2026-05-03T22:23:58","guid":{"rendered":"https:\/\/xn--9z2biy81om4eva489e.kr\/?p=959"},"modified":"2026-05-04T07:23:58","modified_gmt":"2026-05-03T22:23:58","slug":"%ea%b1%b0%ed%92%88%ec%9d%b8%ea%b0%80-%ea%b8%b0%ed%9a%8c%ec%9d%b8%ea%b0%80-%ec%a3%bc%ec%8b%9d-%ea%b3%bc%ec%97%b4-%ec%86%8d-%ec%9d%80%ed%87%b4-%ec%84%b8%eb%8c%80%ec%9d%98-%ec%9c%84%ed%97%98%ed%95%9c","status":"publish","type":"post","link":"https:\/\/xn--9z2biy81om4eva489e.kr\/?p=959","title":{"rendered":"“\uac70\ud488\uc778\uac00 \uae30\ud68c\uc778\uac00? \uc8fc\uc2dd \uacfc\uc5f4 \uc18d \uc740\ud1f4 \uc138\ub300\uc758 \uc704\ud5d8\ud55c \ub3c4\ubc15”"},"content":{"rendered":"

\ucd5c\uadfc \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \uacfc\uc5f4 \uc591\uc0c1\uacfc \uadf8\uc5d0 \ub530\ub978 \ub178\ud6c4 \ud30c\uc0b0 \uc704\ud5d8\uc744 \uacbd\uace0\ud558\ub294 \uae30\uc0ac\ub4e4\uc774 \uae09\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc694 \ud575\uc2ec \ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n

\u200b1. ‘\ubcbc\ub77d\uac70\uc9c0’ \uacf5\ud3ec\uc640 \uacf5\uaca9\uc801 \ud22c\uc790<\/p>\n

\u200b\uc790\uc0b0 \uaca9\ucc28 \ubd88\uc548: \ubd80\ub3d9\uc0b0\uacfc \uc8fc\uc2dd \uac00\uaca9\uc774 \uae09\ub4f1\ud558\uba74\uc11c \uc0c1\ub300\uc801 \ubc15\ud0c8\uac10\uc744 \ub290\ub080 \uc740\ud1f4 \uc138\ub300\uac00 \ubb34\ub9ac\ud558\uac8c \uc2dc\uc7a5\uc5d0 \ub6f0\uc5b4\ub4e4\uace0 \uc788\ub2e4<\/p>\n

\u200b\uace0\uc704\ud5d8 \ucd94\uad6c: \uc608\uc801\uae08 \uae08\ub9ac\ub9cc\uc73c\ub85c\ub294 \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uc774 \ubd88\uac00\ub2a5\ud558\ub2e4\ub294 \ud310\ub2e8 \uc544\ub798, \ub808\ubc84\ub9ac\uc9c0(\ube5a\ud22c)\ub97c \ud65c\uc6a9\ud55c \uace0\uc704\ud5d8 \uc885\ubaa9 \ud22c\uc790\uac00 \ub298\uace0 \uc788\ub2e4<\/p>\n

\u200b2. \ub178\ud6c4 \ud30c\uc0b0\uc758 \uc8fc\uc694 \uba54\ucee4\ub2c8\uc998<\/p>\n

\u200b\ub2e8\uae30 \ubcc0\ub3d9\uc131 \ucde8\uc57d: \uc740\ud1f4 \uc790\uae08\uc740 \uc190\uc2e4 \ubc1c\uc0dd \uc2dc \ud68c\ubcf5\ud560 ‘\uc2dc\uac04\uc801 \uc5ec\uc720’\uac00 \ubd80\uc871\ud569\ub2c8\ub2e4. \uae09\ub77d\uc7a5\uc5d0\uc11c \ud328\ub2c9 \uc140\ub9c1(\ud22c\ub9e4)\uc744 \ud560 \uacbd\uc6b0 \uc790\uc0b0\uc774 \uc21c\uc2dd\uac04\uc5d0 \ub179\uc544\ub0b4\ub9b0\ub2e4<\/p>\n

    \n
  1. \u200b\ud68c\ubcf5 \ud0c4\ub825\uc131 \uc0c1\uc2e4: 30\ub300 \ud22c\uc790\uc790\ub294 -50% \uc190\uc2e4\uc774 \ub098\ub3c4 \uadfc\ub85c \uc18c\ub4dd\uc73c\ub85c \uba54\uc6b0\uba70 10\ub144\uc744 \ubc84\ud2f8 \uc218 \uc788\uc9c0\ub9cc, 60\ub300\ub294 ‘\uc778\uc801 \uc790\ubcf8(\uadfc\ub85c \ub2a5\ub825)’\uc774 \uace0\uac08\ub41c \uc0c1\ud0dc\uc785\ub2c8\ub2e4. \ud55c \ubc88\uc758 \ud3ed\ub77d\uc740 \uace7\ubc14\ub85c \uc0dd\uacc4 \uc704\ud611\uc73c\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\ub2e4<\/li>\n<\/ol>\n

    \u200b\ud604\uae08\ud750\ub984\uc758 \uc5ed\uc124: \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \uacfc\uc5f4\ub418\uc5c8\ub2e4\uac00 \uae09\ub77d\ud560 \ub54c, \uc0dd\ud65c\ube44\uac00 \ud544\uc694\ud55c \uc740\ud1f4\uc790\ub294 ‘\uac00\uc7a5 \uc2fc \uac00\uaca9’\uc5d0 \uc8fc\uc2dd\uc744 \uac15\uc81c\ub85c \ud314\uc544\uc57c \ud558\ub294 \uc0c1\ud669\uc5d0 \ub193\uc785\ub2c8\ub2e4. \uc790\uc0b0\uc774 \uc6b0\uc0c1\ud5a5\ud558\ub354\ub77c\ub3c4 \ucd08\uae30\uc5d0 \ud558\ub77d\uc7a5\uc744 \ub9de\uc73c\uba74 \uc790\uc0b0 \uace0\uac08 \uc18d\ub3c4\uac00 3\ubc30 \uc774\uc0c1 \ube68\ub77c\uc9c0\ub294 ‘\uc218\uc775\ub960 \uc21c\uc11c\uc758 \uc704\ud5d8(Sequence of Returns Risk)’\uc5d0 \ub178\ucd9c\ub418\uc5c8\ub2e4<\/p>\n

    \u200b3. \uc2dc\uc7a5 \uacfc\uc5f4\uc758 \uc9d5\ud6c4<\/p>\n

    \u200b\ubb3b\uc9c0\ub9c8 \ud22c\uc790: \ud380\ub354\uba58\ud138(\uae30\uc5c5 \uc2e4\uc801)\uacfc \uc0c1\uad00\uc5c6\uc774 \ud2b9\uc815 \ud14c\ub9c8\uc8fc\ub098 \uae09\ub4f1\uc8fc\uc5d0 \uace0\ub839\uce35 \uc790\uae08\uc774 \uc720\uc785\ub418\ub294 \ud604\uc0c1\uc774 \uad00\ucc30\ub418\uace0\uc788\ub2e4<\/p>\n

    \u200b\ube5a\ud22c \ube44\uc911 \uc99d\uac00: \uc99d\uad8c\uc0ac \uc2e0\uc6a9\uacf5\uc5ec \uc794\uace0 \uc911 60\ub300 \uc774\uc0c1\uc758 \ube44\uc911\uc774 \uacfc\uac70 \ub300\ube44 \uc720\uc758\ubbf8\ud558\uac8c \uc0c1\uc2b9\ud588\ub2e4\ub294 \ubd84\uc11d\uc774 \ub9ce\ub2e4<\/p>\n

    \u200b\uc740\ud1f4 \ud6c4 \uc790\uc0b0 \uc6b4\uc6a9\uc740 \uc218\uc775\ub960\ubcf4\ub2e4 \ud604\uae08 \ud750\ub984’\uacfc \ubcc0\ub3d9\uc131 \uad00\ub9ac\uac00 \uc6b0\uc120\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uacfc\uc5f4\ub41c \uc2dc\uc7a5\uc5d0\uc11c\uc758 \ubb34\ub9ac\ud55c \ucd94\uaca9 \ub9e4\uc218\ub294 \uace7\ubc14\ub85c \ub178\ud6c4 \ube48\uace4\uc73c\ub85c \uc9c1\uacb0\ub420 \uc218 \uc788\uc73c\uba70 \ud604\uc7ac \uc740\ud1f4 \uc138\ub300\uc5d0\uac8c \ud544\uc694\ud55c \uac83\uc740 **’\uacf5\uaca9’\uc774 \uc544\ub2cc ‘\uc218\ube44’\uc774\uba70. \uc804\uccb4 \uc790\uc0b0\uc758 70% \uc774\uc0c1\uc744 \ubc30\ub2f9\uc8fc\ub098 \ucc44\uad8c \uac19\uc740 \uc778\ucef4(Income) \uc790\uc0b0\uc73c\ub85c \uc7ac\ud3b8\ud558\uc5ec, \uc2dc\uc7a5\uc774 \ud754\ub4e4\ub824\ub3c4 \ub9e4\ub2ec \uc77c\uc815\ud55c \ud604\uae08\uc774 \ub4e4\uc5b4\uc624\ub294 \uad6c\uc870\ub97c \ub9cc\ub4dc\ub294 \uac83\uc774 \ub178\ud6c4 \ud30c\uc0b0\uc744 \ub9c9\ub294 \uc720\uc77c\ud55c \uae38\uc774\ub2e4<\/p>\n","protected":false},"excerpt":{"rendered":"

    \ucd5c\uadfc \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \uacfc\uc5f4 \uc591\uc0c1\uacfc \uadf8\uc5d0 \ub530\ub978 \ub178\ud6c4 \ud30c\uc0b0 \uc704\ud5d8\uc744 \uacbd\uace0\ud558\ub294 \uae30\uc0ac\ub4e4\uc774 \uae09\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc694 \ud575\uc2ec \ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4. \u200b1. ‘\ubcbc\ub77d\uac70\uc9c0’ \uacf5\ud3ec\uc640 \uacf5\uaca9\uc801 \ud22c\uc790 \u200b\uc790\uc0b0 \uaca9\ucc28 \ubd88\uc548: \ubd80\ub3d9\uc0b0\uacfc \uc8fc\uc2dd \uac00\uaca9\uc774 \uae09\ub4f1\ud558\uba74\uc11c \uc0c1\ub300\uc801 \ubc15\ud0c8\uac10\uc744 \ub290\ub080 \uc740\ud1f4 \uc138\ub300\uac00 \ubb34\ub9ac\ud558\uac8c \uc2dc\uc7a5\uc5d0 \ub6f0\uc5b4\ub4e4\uace0 \uc788\ub2e4 \u200b\uace0\uc704\ud5d8 \ucd94\uad6c: \uc608\uc801\uae08 \uae08\ub9ac\ub9cc\uc73c\ub85c\ub294 \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uc774 \ubd88\uac00\ub2a5\ud558\ub2e4\ub294 \ud310\ub2e8 \uc544\ub798, \ub808\ubc84\ub9ac\uc9c0(\ube5a\ud22c)\ub97c \ud65c\uc6a9\ud55c \uace0\uc704\ud5d8 \uc885\ubaa9 \ud22c\uc790\uac00 […]<\/p>\n","protected":false},"author":1,"featured_media":960,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"region":[],"class_list":["post-959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/posts\/959","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=959"}],"version-history":[{"count":1,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/posts\/959\/revisions"}],"predecessor-version":[{"id":962,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/posts\/959\/revisions\/962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=\/wp\/v2\/media\/960"}],"wp:attachment":[{"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=959"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=959"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=959"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/xn--9z2biy81om4eva489e.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fregion&post=959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}