{"id":56896,"date":"2025-03-16T09:06:07","date_gmt":"2025-03-16T00:06:07","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/fund-investment-strategy-starting-with-100000-won-per-month"},"modified":"2025-03-16T09:06:10","modified_gmt":"2025-03-16T00:06:10","slug":"fund-investment-strategy-starting-with-100000-won-per-month","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/fund-investment-strategy-starting-with-100000-won-per-month","title":{"rendered":"\uc6d4 10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud380\ub4dc \ud22c\uc790 \uc804\ub7b5"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%9b%94-10%eb%a7%8c-%ec%9b%90%ec%9c%bc%eb%a1%9c-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%ed%8e%80%eb%93%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-ZtOhTxgiTT\">\uc6d4 10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud380\ub4dc \ud22c\uc790 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#1-%ed%8e%80%eb%93%9c-%ed%88%ac%ec%9e%90-%ea%b8%b0%ec%b4%88%ec%99%80-%ed%95%84%ec%88%98-%ea%b0%9c%eb%85%90-ZtOhTxgiTT\">1. \ud380\ub4dc \ud22c\uc790 \uae30\ucd08\uc640 \ud544\uc218 \uac1c\ub150<\/a><\/li>\n<li><a href=\"#2-%ed%8e%80%eb%93%9c-%ec%a2%85%eb%a5%98-%eb%b0%8f-%ec%84%a0%ec%a0%95-%ec%a0%84%eb%9e%b5-ZtOhTxgiTT\">2. \ud380\ub4dc \uc885\ub958 \ubc0f \uc120\uc815 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#3-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-%eb%b0%8f-%eb%b6%84%ec%82%b0-%ed%88%ac%ec%9e%90-%eb%b0%a9%eb%b2%95-ZtOhTxgiTT\">3. \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5 \ubc0f \ubd84\uc0b0 \ud22c\uc790 \ubc29\ubc95<\/a><\/li>\n<li><a href=\"#4-%ec%a0%84%eb%ac%b8%ea%b0%80-%ec%a0%84%eb%9e%b5%ea%b3%bc-%eb%af%b8%eb%9e%98-%ec%a0%84%eb%a7%9d-ZtOhTxgiTT\">4. \uc804\ubb38\uac00 \uc804\ub7b5\uacfc \ubbf8\ub798 \uc804\ub9dd<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%9b%94-10%eb%a7%8c-%ec%9b%90%ec%9c%bc%eb%a1%9c-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%ed%8e%80%eb%93%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-ZtOhTxgiTT\">\uc6d4 10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud380\ub4dc \ud22c\uc790 \uc804\ub7b5<\/title><\/p>\n<h1 id=\"%ec%9b%94-10%eb%a7%8c-%ec%9b%90%ec%9c%bc%eb%a1%9c-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%ed%8e%80%eb%93%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-ZtOhTxgiTT\">\uc6d4 10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud380\ub4dc \ud22c\uc790 \uc804\ub7b5<\/h1>\n<p><img decoding=\"async\" src=\"https:\/\/m9js.shop\/blog\/wp-content\/uploads\/2025\/03\/ec9b94-10eba78c-ec9b90ec9cbceba19c-ec8b9cec9e91ed9598eb8a94-ed8e80eb939c-ed88acec9e90-eca084eb9eb5.jpeg\" alt=\"\uc6d4 10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud380\ub4dc \ud22c\uc790 \uc804\ub7b5\" \/><\/p>\n<p>    <\/p>\n<h2 id=\"1-%ed%8e%80%eb%93%9c-%ed%88%ac%ec%9e%90-%ea%b8%b0%ec%b4%88%ec%99%80-%ed%95%84%ec%88%98-%ea%b0%9c%eb%85%90-ZtOhTxgiTT\">1. \ud380\ub4dc \ud22c\uc790 \uae30\ucd08\uc640 \ud544\uc218 \uac1c\ub150<\/h2>\n<p>\ud380\ub4dc \ud22c\uc790\uc5d0 \uc785\ubb38\ud558\ub824\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uac00\uc7a5 \uba3c\uc800 \ub2e4\uac00\uac00\uc57c \ud560 \uac1c\ub150\uc740 \u2018\ud380\ub4dc\u2019\uc758 \uae30\ubcf8 \uad6c\uc870\uc640 \uc5ed\ud560\uc785\ub2c8\ub2e4. \ud380\ub4dc\ub294 \ub2e4\uc218\uc758 \ud22c\uc790\uc790\ub85c\ubd80\ud130 \ubaa8\uc778 \uc790\uae08\uc744 \uc804\ubb38 \uc6b4\uc6a9\uc0ac\uac00 \ub300\uc2e0 \ud22c\uc790\ud558\uc5ec \uc218\uc775\uc744 \ucc3d\ucd9c\ud558\ub294 \uae08\uc735 \uc0c1\ud488\uc73c\ub85c, \uac1c\ubcc4 \uc8fc\uc2dd\uc774\ub098 \ucc44\uad8c\uc5d0 \uc9c1\uc811 \ud22c\uc790\ud558\ub294 \uac83\ubcf4\ub2e4 \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc774\ub77c\ub294 \ube44\uad50\uc801 \uc18c\uc561\uc73c\ub85c\ub3c4 \uc548\uc815\uc801\uc778 \ud22c\uc790 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc73c\uba70, \uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790\ud558\ub294 \ubc29\ubc95\uc744 \ud1b5\ud574 \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \ud380\ub4dc\uc758 \uae30\ucd08\ub97c \ud0c4\ud0c4\ud788 \ub2e4\uc9c0\ub294 \uac83\uc740 \ud5a5\ud6c4 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc758 \ucd08\uc11d\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc \ud22c\uc790\ub294 \ud22c\uc790\uc790\uc758 \uc790\uc0b0\uc744 \uc5ec\ub7ec \uc790\uc0b0\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\ub294 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uae30\ubcf8\uc801\uc73c\ub85c \ud380\ub4dc\ub294 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \uc6d0\uc790\uc7ac \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ud22c\uc790\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uac1c\ubcc4 \uc790\uc0b0\uc758 \ubcc0\ub3d9\uc131\uc744 \uc0c1\uc1c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \ubd88\ud655\uc2e4\uc131\uc774 \ub192\uc744 \ub54c \ucc44\uad8c\uc774\ub098 \ub300\uccb4 \ud22c\uc790 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \ub192\uc5ec \ub9ac\uc2a4\ud06c\ub97c \uc870\uc808\ud560 \uc218 \uc788\ub294 \uc804\ub7b5\uc774 \ub9c8\ub828\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\uc591\ud55c \uc790\uc0b0 \ubc30\ubd84\uacfc \ubd84\uc0b0 \ud22c\uc790\uc758 \uc6d0\ub9ac\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\ubd80\ud130 \uace0\uae09 \ud22c\uc790\uc790\uae4c\uc9c0 \ubaa8\ub450\uc5d0\uac8c \ud544\uc218\uc801\uc778 \uc9c0\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ud380\ub4dc \ud22c\uc790\ub294 \ud22c\uc790 \uae08\uc561\uc774 \uc791\ub354\ub77c\ub3c4 \uc815\uae30\uc801\uc778 \uac70\ub798\ub97c \ud1b5\ud574 \uc2dc\uac04\uc5d0 \ub530\ub978 \ud3c9\uade0 \ub9e4\uc785 \ub2e8\uac00 \ud558\ub77d \ud6a8\uacfc\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. &#8216;\ubd84\ud560 \ub9e4\uc218 \uc804\ub7b5&#8217;\uc774\ub77c \ubd88\ub9ac\ub294 \uc774 \ubc29\uc2dd\uc740 \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc5d0 \ub530\ub978 \ub192\uc740 \ub9ac\uc2a4\ud06c\ub97c \ud68c\ud53c\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc758 \uafb8\uc900\ud55c \ud22c\uc790\uae08\uc561\uc740 \uc2dc\uc7a5\uc758 \uc77c\uc2dc\uc801 \ubcc0\ub3d9\uc5d0 \uc601\ud5a5\uc744 \ub35c \ubc1b\uace0, \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc790\uc0b0\uc744 \uc99d\ub300\uc2dc\ud0a4\ub294 \ud6a8\uacfc\ub97c \ubc1c\uc0dd\uc2dc\ud0b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ub9e4\uc6d4 \uafb8\uc900\ud788 \ud22c\uc790\ud55c \ud22c\uc790\uc790\ub4e4\uc774 10\ub144 \ud639\uc740 20\ub144\uc774\ub77c\ub294 \uae34 \uc2dc\uac04 \ub3d9\uc548 \uc548\uc815\uc801\uc778 \uc790\ubcf8 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad6d\ub0b4\uc678 \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c\ub294 \ud380\ub4dc \ud22c\uc790\uc5d0 \ub300\ud55c \ub2e4\uc591\ud55c \uc5f0\uad6c\uc640 \ud1b5\uacc4\uac00 \ubc1c\ud45c\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub4e4 \uc5f0\uad6c\ub294 \uc791\uc740 \uaddc\ubaa8\uc758 \uc815\uae30 \ud22c\uc790\uae08\uc561\ub3c4 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uac70\ub458 \uc218 \uc788\uc74c\uc744 \uc99d\uba85\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d\uc758 \ud55c \uc5f0\uad6c\uc5d0\uc11c\ub294 \uc6d4 100\ub2ec\ub7ec\uc758 \uc815\uae30 \ud22c\uc790\uac00 30\ub144 \ud6c4 \ud3c9\uade0 \uc5f0 7~8%\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc74c\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\uc73c\uba70, \uc774\ub294 \ud55c\uad6d \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub3c4 \ud070 \uc2dc\uc0ac\uc810\uc744 \ub358\uc838\uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc5f0\uad6c \uacb0\uacfc\ub294 \ud380\ub4dc \ud22c\uc790\uc758 \uae30\ucd08\uc801\uc778 \uac1c\ub150\ubfd0 \uc544\ub2c8\ub77c, \uc7a5\uae30 \ud22c\uc790 \uc804\ub7b5\uc758 \uc720\ud6a8\uc131\uc744 \uba85\ud655\ud558\uac8c \ub4b7\ubc1b\uce68\ud574\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc \ud22c\uc790\uc5d0 \uad00\ud55c \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uce21\uba74\uc740 \uc218\uc218\ub8cc\uc640 \ube44\uc6a9 \uad6c\uc870\uc785\ub2c8\ub2e4. \ud380\ub4dc \uc6b4\uc6a9\uc5d0\ub294 \uad00\ub9ac \uc218\uc218\ub8cc, \ud310\ub9e4 \uc218\uc218\ub8cc \ub4f1 \ub2e4\uc591\ud55c \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub4e4 \ube44\uc6a9\uc740 \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uc9c1\uac04\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \ud380\ub4dc \uc120\ud0dd \uc2dc \ube44\uc6a9 \uad6c\uc870\ub97c \uba74\ubc00\ud788 \uac80\ud1a0\ud558\uace0, \uac00\ub2a5\ud55c \ud55c \ube44\uc6a9 \ud6a8\uc728\uc801\uc778 \uc0c1\ud488\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uadfc\uc758 \uc0ac\ub840\ub85c, \uc628\ub77c\uc778 \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub098 \uc800\ube44\uc6a9 ETF\uac00 \uac01\uad11\ubc1b\uc73c\uba74\uc11c \ube44\uc6a9\uc744 \uc904\uc774\ub294 \ub2e4\uc591\ud55c \ubc29\uc548\uc774 \ub9c8\ub828\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \ube44\uc6a9 \uad6c\uc870\uc5d0 \ub300\ud55c \uc774\ud574\ub294 \ud22c\uc790 \uc131\uacf5\uc758 \uc911\uc694\ud55c \uc5f4\uc1e0\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc\uc758 \uc885\ub958\uc640 \ud22c\uc790 \uc2a4\ud0c0\uc77c \uc5ed\uc2dc \ud22c\uc790\uc790\uc5d0\uac8c \uc911\uc694\ud55c \uace0\ub824 \uc0ac\ud56d\uc785\ub2c8\ub2e4. \uc561\ud2f0\ube0c \ud380\ub4dc\uc640 \uc778\ub371\uc2a4 \ud380\ub4dc\uc758 \ucc28\uc774\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uac01\uac01 \ub2e4\ub978 \ub9e4\ub825\uacfc \ub9ac\uc2a4\ud06c\ub97c \uc81c\uacf5\ud558\uba70, \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\uc801\uacfc \uc704\ud5d8 \uc120\ud638\ub3c4\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc561\ud2f0\ube0c \ud380\ub4dc\ub294 \uc804\ubb38 \uc6b4\uc6a9\uc0ac\uac00 \uc2dc\uc7a5\uc744 \ub2a5\ub3d9\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uc5ec \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c, \uacbd\uc6b0\uc5d0 \ub530\ub77c \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc73c\ub098, \uc6b4\uc6a9 \uc218\uc218\ub8cc\uac00 \ub192\uac70\ub098 \uc6b4\uc6a9 \uc131\uacfc\uc5d0 \ub530\ub77c \uc704\ud5d8\uc774 \uc99d\ud3ed\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc778\ub371\uc2a4 \ud380\ub4dc\ub294 \ud2b9\uc815 \uc9c0\uc218\ub97c \uadf8\ub300\ub85c \ubcf5\uc81c\ud558\uc5ec \ud22c\uc790\ud558\ub294 \uc0c1\ud488\uc73c\ub85c, \uc800\ube44\uc6a9\uacfc \uc548\uc815\uc131\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ucd08\uae30\uc5d0\ub294 \uc815\ubcf4\uc758 \ube44\ub300\uce6d\uc131\uacfc \uc774\ud574 \ubd80\uc871\uc73c\ub85c \uc798\ubabb\ub41c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc704\ud5d8\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c \uc804\ubb38\uac00\uc758 \uc790\ubb38\uc774\ub098 \ub2e4\uc591\ud55c \uae08\uc735 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc774 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\ub0b4 \uc5ec\ub7ec \uae08\uc735 \uae30\uad00 \ubc0f \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \ud380\ub4dc \ud22c\uc790 \uad00\ub828 \ubb34\ub8cc \uc138\ubbf8\ub098\uc640 \uc628\ub77c\uc778 \uac15\uc88c\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \uc62c\ubc14\ub974\uac8c \ud380\ub4dc \uc2dc\uc7a5\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c\ub294 \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uc2dc\uc7a5 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ud380\ub4dc \ud22c\uc790\uc5d0\uc11c\ub294 \ud22c\uc790 \ubaa9\ud45c\uc640 \uae30\uac04 \uc124\uc815\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \ub2e8\uae30\uc801\uc778 \uc218\uc775\uc5d0 \uc9d1\ucc29\ud558\uae30\ubcf4\ub2e4, \uc7a5\uae30\uc801\uc774\uace0 \uc548\uc815\uc801\uc778 \uc218\uc775 \ucc3d\ucd9c\uc744 \uc704\ud574 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \uafb8\uc900\ud788 \ud22c\uc790\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc774\ub77c\ub294 \uc18c\uaddc\ubaa8 \ud22c\uc790\ub77c\ub3c4 \uafb8\uc900\ud55c \uc2e4\ud589\uacfc \uc7ac\ud22c\uc790\ub97c \ud1b5\ud574 \ubbf8\ub798\uc758 \uc7ac\uc815\uc801 \uc790\uc720\ub97c \uc774\ub8f0 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \ub9ce\uc740 \uc131\uacf5 \uc0ac\ub840\uc5d0\uc11c\ub3c4 \ubc18\ubcf5\uc801\uc73c\ub85c \ud655\uc778\ud560 \uc218 \uc788\ub294 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \uc2e4\uc81c \ud22c\uc790\uc790\ub4e4\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \ud380\ub4dc\ub97c \ud1b5\ud574 \uc790\uc0b0\uc744 \uc99d\uc2dd\uc2dc\ud0a8 \uc0ac\ub840\ub294 \uae08\uc735 \ud3ec\ud138\uacfc \ud22c\uc790 \uad00\ub828 \ubcf4\uace0\uc11c\uc5d0\uc11c\ub3c4 \uc790\uc8fc \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud380\ub4dc \ud22c\uc790\uc5d0\uc11c\ub294 \uc2dc\uc7a5 \ubc0f \uacbd\uc81c \uc0c1\ud669\uc5d0 \ub530\ub978 \uc720\uc5f0\ud55c \ub300\ucc98\ub3c4 \ud544\uc694\ud569\ub2c8\ub2e4. \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ubd88\uc548\uc815\uc131, \uae08\ub9ac \ubcc0\ub3d9, \uc815\uce58\uc801 \ub9ac\uc2a4\ud06c \ub4f1 \ub2e4\uc591\ud55c \ubcc0\uc218\ub4e4\uc774 \ud22c\uc790 \uc131\uacfc\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\ub294 \ud56d\uc0c1 \ucd5c\uc2e0 \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \uacbd\uc81c \uc9c0\ud45c\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4. \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80\uacfc \ud544\uc694 \uc2dc \uc7ac\uc870\uc815\uc744 \ud1b5\ud574 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\uace0 \uc548\uc815\uc801\uc778 \uc131\uacfc\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud380\ub4dc \ud22c\uc790\ub97c \uc131\uacf5\uc801\uc73c\ub85c \uc6b4\uc601\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc774\ub7ec\ud55c \ub2e4\uc591\ud55c \uc694\uc18c\ub4e4\uc744 \ud1b5\ud569\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \ub2a5\ub825\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"2-%ed%8e%80%eb%93%9c-%ec%a2%85%eb%a5%98-%eb%b0%8f-%ec%84%a0%ec%a0%95-%ec%a0%84%eb%9e%b5-ZtOhTxgiTT\">2. \ud380\ub4dc \uc885\ub958 \ubc0f \uc120\uc815 \uc804\ub7b5<\/h2>\n<p>\ud380\ub4dc \uc2dc\uc7a5\uc5d0\ub294 \ub2e4\uc591\ud55c \uc885\ub958\uc758 \ud380\ub4dc\uac00 \uc874\uc7ac\ud558\uba70, \uac01\uac01\uc758 \ud380\ub4dc\uac00 \ud22c\uc790\ud558\ub294 \uc790\uc0b0\uad70\uacfc \uc6b4\uc6a9 \uc804\ub7b5\uc5d0\uc11c \ucc28\uc774\ub97c \ubcf4\uc785\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud22c\uc790\uc790\ub77c \ud558\ub354\ub77c\ub3c4, \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ucd94\uc5b4 \ub2e4\uc591\ud55c \ud380\ub4dc \uc720\ud615 \uc911\uc5d0\uc11c \ucd5c\uc801\uc758 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\ud615 \ud380\ub4dc, \ucc44\uad8c\ud615 \ud380\ub4dc, \ud63c\ud569\ud615 \ud380\ub4dc, \ud574\uc678 \ud380\ub4dc \ub4f1 \uac01 \uce74\ud14c\uace0\ub9ac\ub294 \uac01\uae30 \ub2e4\ub978 \uc218\uc775\ub960\uacfc \uc704\ud5d8 \ud504\ub85c\ud544\uc744 \uac00\uc9c0\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\ub294 \ubcf8\uc778\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \ub9ac\uc2a4\ud06c \ud5c8\uc6a9\ub3c4\uc5d0 \ub530\ub77c \uc2e0\uc911\ud788 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc2dd\ud615 \ud380\ub4dc\ub294 \uc8fc\ub85c \uad6d\ub0b4\uc678 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\uba70, \ub192\uc740 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uacfc \ud568\uaed8 \ubcc0\ub3d9\uc131\uc774 \ud070 \ud2b9\uc131\uc744 \uc9c0\ub2c8\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uae30\uc220\uc8fc\ub098 \uc131\uc7a5 \uc0b0\uc5c5\uc5d0 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0 \ub2e8\uae30\uc801 \ubcc0\ub3d9\uc131\uc774 \ud06c\ub354\ub77c\ub3c4 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5\ub960\uc740 \uc0c1\ub2f9\ud788 \ub192\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \uba87\uba87 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub294 \uc5f0\ud3c9\uade0 10% \uc774\uc0c1\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uc0ac\ub840\ub3c4 \uc788\uc73c\uba70, \uc774\ub294 \uafb8\uc900\ud55c \ud22c\uc790\uc640 \uc7a5\uae30 \ubcf4\uc720 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc5bb\uc5b4\ub0b8 \uacb0\uacfc\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc8fc\uc2dd\ud615 \ud380\ub4dc\uc5d0\uc758 \ud22c\uc790\ub294 \ub2e8\uae30 \ubcc0\ub3d9\uc131\uc744 \uac10\ub0b4\ud560 \uc218 \uc788\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucc44\uad8c\ud615 \ud380\ub4dc\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc815\ubd80\ub098 \uae30\uc5c5\uc758 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368, \uc6d0\uae08 \ubcf4\uc804\uc758 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9c0\uba70, \uc548\uc815\uc801\uc778 \uc774\uc790 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacfc\uac70 \uc5ec\ub7ec \uae08\uc735 \uc704\uae30 \uc18d\uc5d0\uc11c\ub3c4 \ucc44\uad8c\ud615 \ud380\ub4dc\ub294 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ubcf4\ub2e4 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc190\uc2e4\ub960\uc744 \uae30\ub85d\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc5b4, \uc704\ud5d8 \ud68c\ud53c \uc131\ud5a5\uc758 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, 2008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \ub2f9\uc2dc \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ucc44\uad8c\ud615 \ud380\ub4dc\ub97c \ud1b5\ud574 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud55c \uc0ac\ub840\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud63c\ud569\ud615 \ud380\ub4dc\ub294 \uc8fc\uc2dd\uacfc \ucc44\uad8c \ub4f1 \uc5ec\ub7ec \uc790\uc0b0 \uad70\uc5d0 \ub3d9\uc2dc\uc5d0 \ud22c\uc790\ud558\uc5ec \uc704\ud5d8\uc744 \ubd84\uc0b0\uc2dc\ud0a4\ub294 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud380\ub4dc\ub294 \uac01 \uc790\uc0b0\uc758 \uac00\uaca9 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc601\ud5a5\uc744 \uc0c1\uc1c4\uc2dc\ud0a4\ub294 \uc5ed\ud560\uc744 \ud558\uba70, \ud22c\uc790\uc790\uc5d0\uac8c \ub354 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uc81c\uacf5\ud558\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud63c\ud569\ud615 \ud380\ub4dc\uc758 \uacbd\uc6b0, \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728\uc5d0 \ub530\ub77c \ubcf4\uc218\uc801\uc778 \uc131\ud5a5\ubd80\ud130 \uc801\uadf9\uc801\uc778 \ud22c\uc790\uae4c\uc9c0 \ub2e4\uc591\ud55c \uc804\ub7b5\uc744 \uad6c\uc0ac\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\uc758 \uc131\ud5a5\uacfc \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub9de\ucd94\uc5b4 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc5f0\uad6c \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \ubd84\uc0b0 \ud22c\uc790\ub97c \uc2e4\ucc9c\ud558\ub294 \ud63c\ud569\ud615 \ud380\ub4dc\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \ud22c\uc790 \uc131\uacfc\ub97c \ubcf4\uc5ec\uc8fc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud574\uc678 \ud380\ub4dc\ub294 \uad6d\ub0b4 \uc2dc\uc7a5\uacfc\ub294 \ub2e4\ub978 \uae00\ub85c\ubc8c \uacbd\uc81c \uc0c1\ud669\uacfc \ub2e4\uc591\ud55c \uc0b0\uc5c5\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ud658\uc728 \ubcc0\ub3d9\uacfc \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \uc0c1\ud638\uc791\uc6a9\uc73c\ub85c \uc778\ud55c \ucd94\uac00\uc801\uc778 \uc218\uc775 \uae30\ud68c\ub97c \ub178\ub9b4 \uc218 \uc788\uc73c\ub098, \ubc18\ub300\ub85c \uc678\ud658 \uc704\ud5d8 \ub4f1 \ucd94\uac00\uc801\uc778 \ub9ac\uc2a4\ud06c\ub3c4 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ud574\uc678 \ud380\ub4dc\ub97c \uc120\ud0dd\ud560 \ub54c\ub294 \ud574\ub2f9 \uad6d\uac00\uc758 \uacbd\uc81c \uc131\uc7a5\ub960, \uc815\uce58\uc801 \uc548\uc815\uc131 \ubc0f \uc6b4\uc6a9\uc0ac\uc758 \uc804\ubb38\uc131\uc744 \uaf3c\uaf3c\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uba87 \ub144\uac04 \uc544\uc2dc\uc544 \uc2e0\ud765\uad6d \uacbd\uc81c \uc131\uc7a5\ub960\uc774 \ub192\uc544\uc9c0\uba74\uc11c, \ud574\uc678 \ud380\ub4dc\uc5d0 \ub300\ud55c \ud22c\uc790\uc790\ub4e4\uc758 \uad00\uc2ec\uc740 \uafb8\uc900\ud788 \uc99d\uac00\ud574\uc654\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc\ub97c \uc120\uc815\ud560 \ub54c \uace0\ub824\ud574\uc57c \ud560 \uc911\uc694\ud55c \uc694\uc18c\ub294 \uc6b4\uc6a9 \uc131\uacfc \uae30\ub85d\uacfc \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 \uc804\ubb38\uc131\uc785\ub2c8\ub2e4. \uacfc\uac70 \uc131\uacfc\uac00 \ubbf8\ub798\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\ub354\ub77c\ub3c4, \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uc548\uc815\uc801\uc774\uac70\ub098 \uc6b0\uc218\ud55c \uc131\uacfc\ub97c \uae30\ub85d\ud55c \ud380\ub4dc\ub294 \ud5a5\ud6c4\uc5d0\ub3c4 \uae0d\uc815\uc801\uc778 \ud22c\uc790 \uacb0\uacfc\ub97c \uac00\uc838\uc62c \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud310\ub2e8\ud558\uae30 \uc704\ud574\uc11c\ub294 \ud574\ub2f9 \ud380\ub4dc\uc758 \uc6b4\uc6a9 \uc804\ub7b5, \uc2dc\uc7a5 \ubd84\uc11d \ub9ac\ud3ec\ud2b8, \uadf8\ub9ac\uace0 \uc804\ubb38\uac00\ub4e4\uc758 \ud3c9\uac00 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\uc5d0\uc11c\ub3c4, \ud22c\uc790\uc790\ub4e4\uc774 \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uac80\uc99d\ub41c \uc6b4\uc6a9\ub825\uc744 \uac00\uc9c4 \ud380\ub4dc\ub97c \uc120\ud0dd\ud588\uc744 \ub54c \uc7a5\uae30\uc801\uc778 \uc218\uc775\ub960 \uc0c1\uc2b9 \ud6a8\uacfc\ub97c \uacbd\ud5d8\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc \uc885\ub958\ub97c \uc120\ud0dd\ud560 \ub54c\ub294 \ub610\ud55c \uc218\uc218\ub8cc \uad6c\uc870 \uc5ed\uc2dc \uc911\uc694\ud55c \uace0\ub824 \ub300\uc0c1\uc785\ub2c8\ub2e4. \uc6b4\uc6a9 \ubcf4\uc218\ub098 \ud310\ub9e4 \uc218\uc218\ub8cc\uac00 \ub192\uc740 \ud380\ub4dc\ub294 \uc7a5\uae30 \ud22c\uc790 \uc2dc \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uc800\ud574\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ube44\uc6a9 \uad00\uc810\uc5d0\uc11c\ub3c4 \uacbd\uc7c1\ub825 \uc788\ub294 \uc0c1\ud488\uc744 \uc120\ubcc4\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \ube44\uc6a9 \ub300\ube44 \ud6a8\uc728\uc774 \ub192\uc740 \uc778\ub371\uc2a4 \ud380\ub4dc\ub098 \uc800\ube44\uc6a9 ETF\ub97c \ucd94\ucc9c\ud558\uae30\ub3c4 \ud558\ub294\ub370, \uc774\ub294 \ube44\uc6a9 \ubd80\ub2f4\uc774 \uc801\uc5b4 \uafb8\uc900\ud55c \uc815\uae30 \ud22c\uc790\uc5d0 \uc720\ub9ac\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc2e4\uc81c \ud22c\uc790 \uc0ac\ub840\ub97c \ubcf4\uba74, \uc800\ube44\uc6a9 \uad6c\uc870\uc758 \ud380\ub4dc\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ub192\uc740 \uc21c\uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc \ud22c\uc790 \uc804\ub7b5\uc744 \uad6c\uccb4\ud654\ud560 \ub54c\ub294 \ud22c\uc790 \ubaa9\ud45c, \ud22c\uc790 \uae30\uac04, \uc2dc\uc7a5 \uc0c1\ud669 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc80a\uc740 \ud22c\uc790\uc790\ub77c\uba74 \uc131\uc7a5\uc131\uc774 \ub192\uc740 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub97c \uc8fc\ucd95\uc73c\ub85c, \uac00\uae4c\uc6b4 \ubbf8\ub798\uc758 \uc7ac\uc815\uc801 \uc548\uc804\uc131\uc774 \ud544\uc694\ud55c \ud22c\uc790\uc790\ub77c\uba74 \ud63c\ud569\ud615 \ub610\ub294 \ucc44\uad8c\ud615 \ud380\ub4dc\ub97c \ud3ec\ud568\ud558\ub294 \uc2dd\uc758 \ub2e4\uc591\ud55c \uc870\ud569\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\ub294 \ud22c\uc790\uc790\uc758 \uc131\ud5a5\uc5d0 \ub530\ub77c \uc120\ud0dd \uac00\ub2a5\ud55c \ud380\ub4dc \uc720\ud615\uc744 \uc815\ub9ac\ud55c \uc608\uc2dc\uc785\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc704\ud5d8 \uc120\ud638\ub3c4\uac00 \ub192\uc740 \ud22c\uc790\uc790: \uc8fc\uc2dd\ud615 \ud380\ub4dc, \ud574\uc678 \uc131\uc7a5\uc8fc \ud380\ub4dc<\/li>\n<li>\uc548\uc815\uc131\uc744 \uc911\uc2dc\ud558\ub294 \ud22c\uc790\uc790: \ucc44\uad8c\ud615 \ud380\ub4dc, \uc790\uc0b0 \ubc30\ubd84\ud615 \ud380\ub4dc<\/li>\n<li>\uade0\ud615 \uc7a1\ud78c \ud22c\uc790\uc790: \ud63c\ud569\ud615 \ud380\ub4dc, \uc778\ub371\uc2a4 \ud380\ub4dc<\/li>\n<li>\ub2e8\uae30 \ud22c\uc790 \ub300\ube44 \uc7a5\uae30 \ud22c\uc790: \ubaa9\ud45c \uc2dc\uc810\uc5d0 \ub530\ub978 \uc790\uc0b0 \ubc30\ubd84 \uc7ac\uc870\uc815 \uc804\ub7b5<\/li>\n<\/ul>\n<p>\uc774\ucc98\ub7fc \ud380\ub4dc \uc885\ub958\uc640 \uc120\uc815 \uc804\ub7b5\uc740 \ud22c\uc790\uc790\uac00 \uc790\uc2e0\uc758 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc138\ubc00\ud558\uac8c \uc811\uadfc\ud574\uc57c \ud558\ub294 \uc601\uc5ed\uc785\ub2c8\ub2e4. \uad6d\ub0b4 \ubc0f \ud574\uc678 \uae08\uc735\uae30\uad00\uc5d0\uc11c \ubc1c\ud45c\ud558\ub294 \uc815\uae30\uc801\uc778 \ub9ac\uc11c\uce58 \ubcf4\uace0\uc11c\uc640 \uc804\ubb38\uac00\uc758 \ud574\uc124\uc744 \ucc38\uace0\ud558\uba74\uc11c \uc2dc\uc7a5\uc758 \ucd5c\uc2e0 \ub3d9\ud5a5\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc774 \ud070 \ub3c4\uc6c0\uc774 \ub418\uba70, \uc774\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \uc815\uad50\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uc2dc\ud55c \uc138\uacc4 \uacbd\uc81c \uc804\ub9dd\uacfc \uad6d\ub0b4\uc678 \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \ubc18\uc601\ud55c \ud380\ub4dc \uad6c\uc131 \uc804\ub7b5\uc774 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uae0d\uc815\uc801\uc778 \ud3c9\uac00\ub97c \ubc1b\uc740 \ubc14 \uc788\uc73c\uba70, \uc774\ub294 \ud22c\uc790 \uc131\uacf5\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud380\ub4dc \uc120\uc815 \uacfc\uc815\uc5d0\uc11c\uc758 \ub2e4\uc591\ud55c \ubcc0\uc218\ub4e4\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \ub54c\ub54c\ub85c \ubcf5\uc7a1\ud55c \ubd84\uc11d\uc744 \uc694\uad6c\ud558\uc9c0\ub9cc, \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uc2e4\uc81c \uc2dc\uc7a5 \ub370\uc774\ud130\ub97c \ud1b5\ud55c \uac80\uc99d \uacfc\uc815\uc744 \uac70\uce58\uba74 \uc810\ucc28 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\uac00 \ub192\uc544\uc9d1\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc774\ub7ec\ud55c \ud559\uc2b5 \uacfc\uc815\uc744 \ud1b5\ud574 \ub2e8\uc21c\ud788 \uc0c1\ud488\uc744 \uad6c\ub9e4\ud558\ub294 \uc218\uc900\uc744 \ub118\uc5b4, \uc804\uccb4 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uad00\ub9ac\uc640 \ub9ac\uc2a4\ud06c \uc870\uc808\uc5d0\uae4c\uc9c0 \ub208\uc744 \ub3cc\ub9ac\uac8c \ub429\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uc558\uc744 \ub54c, \uc774\ub7ec\ud55c \uc804\ub7b5\uc801 \uc811\uadfc\uc740 \ud22c\uc790 \uc131\uacf5\uc758 \uacb0\uc815\uc801\uc778 \uc694\uc18c\ub85c \uc791\uc6a9\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud380\ub4dc \uc885\ub958\uc640 \uc120\uc815 \uc804\ub7b5\uc5d0 \ub300\ud55c \uc885\ud569\uc801\uc778 \uc774\ud574\uac00 \uc313\uc774\uba74, \ud22c\uc790\uc790\ub294 \ub2e8\uc21c\ud55c \uc18c\ube44\uc790\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc2a4\uc2a4\ub85c \uc790\uc0b0 \uc6b4\uc6a9 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \u2018\uc138\ucee8\ub4dc \ub9c8\uc778\ub4dc(second mind)\u2019\ub97c \ud615\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \uae08\uc735 \uc0c1\ud488\uc744 \uad6c\uc785\ud558\ub294 \uac83\uc744 \ub118\uc5b4\uc11c, \uacbd\uc81c \ud750\ub984\uacfc \uae08\uc735 \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc744 \uc2ec\ub3c4 \uc788\uac8c \uc774\ud574\ud558\uace0, \uc790\uc2e0\uc758 \uc790\uc0b0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc73c\ub85c \ubc1c\uc804\ud574 \ub098\uac00\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ubb38\uc131\uc740 \uc6d4 10\ub9cc \uc6d0\uc758 \uc18c\uc561 \ud22c\uc790\uc5d0\uc11c\ub3c4 \ucda9\ubd84\ud788 \ubc1c\uc804\uc2dc\ud0ac \uc218 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \ud070 \uc790\uc0b0 \uc99d\uc2dd\uc758 \uc6d0\ub3d9\ub825\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"3-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-%eb%b0%8f-%eb%b6%84%ec%82%b0-%ed%88%ac%ec%9e%90-%eb%b0%a9%eb%b2%95-ZtOhTxgiTT\">3. \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5 \ubc0f \ubd84\uc0b0 \ud22c\uc790 \ubc29\ubc95<\/h2>\n<p>\ud380\ub4dc \ud22c\uc790\uc5d0\uc11c \uc131\uacf5\uc744 \uac70\ub450\uae30 \uc704\ud574\uc11c\ub294 \ud6a8\uacfc\uc801\uc778 \uc704\ud5d8 \uad00\ub9ac\uc640 \ubd84\uc0b0 \ud22c\uc790\uc758 \uc6d0\uce59\uc744 \ucca0\uc800\ud788 \uc774\ud574\ud558\uace0 \uc2e4\ud589\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uba70, \ub2e8\uae30\uc801 \ubcc0\ub3d9\uc131\uacfc \uc608\uc0c1\uce58 \ubabb\ud55c \ub9ac\uc2a4\ud06c\uac00 \ub298 \uc874\uc7ac\ud558\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\ub294 \uc790\uc0b0 \ubc30\ubd84\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc758 \uc815\uae30 \ud22c\uc790 \ub610\ud55c \uc774\ub7ec\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uc131\uc7a5\uacfc \ud568\uaed8 \uc608\uc0c1\uce58 \ubabb\ud55c \uc2dc\uc7a5 \ucda9\uaca9\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704\ud5d8 \uad00\ub9ac\uc758 \ud575\uc2ec\uc740 \ubc14\ub85c \uc5ec\ub7ec \uc790\uc0b0\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec \ud55c \uc601\uc5ed\uc758 \uc190\uc2e4\uc774 \uc804\uccb4 \uc790\uc0b0\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d\uc740 \ud22c\uc790 \ubaa9\ud45c\uc640 \uae30\uac04\uc5d0 \ub530\ub978 \uc790\uc0b0 \ubc30\ubd84\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669, \ubbf8\ub798\uc758 \uc7ac\uc815\uc801 \uc694\uad6c\uc0ac\ud56d, \uadf8\ub9ac\uace0 \uc704\ud5d8 \uac10\ub0b4 \uc218\uc900\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uc8fc\uc2dd\ud615, \ucc44\uad8c\ud615, \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc2e0\ud0c1(REITs) \ub4f1 \ub2e4\uc591\ud55c \uce74\ud14c\uace0\ub9ac\ub85c \ubd84\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc80a\uc740 \ud22c\uc790\uc790\ub77c\uba74 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \uc704\ud5d8\uc744 \uac10\ub0b4\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc8fc\uc2dd\ud615 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \ub192\uac8c \ub450\uace0, \uc5f0\ub839\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc810\uc9c4\uc801\uc73c\ub85c \ucc44\uad8c\uc774\ub098 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \uc99d\ub300\uc2dc\ud0a4\ub294 \uc2dd\uc758 \uc804\ub7b5\uc774 \uc720\ud6a8\ud569\ub2c8\ub2e4. \ud559\uacc4 \uc5f0\uad6c\uc640 \uae08\uc735\uae30\uad00\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \uc774\ub7ec\ud55c \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc704\ud5d8\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ub0ae\ucd94\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1(rebalancing)\uc744 \ud1b5\ud574 \uc790\uc0b0\uc758 \ubaa9\ud45c \ubc30\ubd84 \ube44\uc728\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ud2b9\uc815 \uc790\uc0b0\uc758 \uac00\uce58\uac00 \uc0c1\uc2b9\ud558\uac70\ub098 \ud558\ub77d\ud558\uac8c \ub418\uba74, \ucd08\uae30\uc758 \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728\uc774 \uc65c\uace1\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\ubc38\ub7f0\uc2f1\uc740 \uc815\ud574\uc9c4 \uc8fc\uae30(\uc608: \ubc18\uae30\ubcc4, \uc5f0\uac04)\ub97c \ub450\uace0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc810\uac80\ud558\uace0, \ud544\uc694\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uc7ac\ubc30\ubd84\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\ud558\ub294 \uacfc\uc815\uc744 \ub9d0\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ud1b5\ud574 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc548\uc815\uc131\uc744 \ub192\uc774\uace0, \uc608\uc0c1\uce58 \ubabb\ud55c \uc2dc\uc7a5 \ucda9\uaca9\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\uc74c\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \ud380\ub4dc \ud22c\uc790\uc5d0\uc11c\uc758 \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5\uc740 \uac01 \ud380\ub4dc\uc758 \uc131\uaca9\uacfc \uc6b4\uc6a9 \ucca0\ud559\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574\uc5d0\uc11c \uc2dc\uc791\ub429\ub2c8\ub2e4. \uc561\ud2f0\ube0c \ud380\ub4dc\uc758 \uacbd\uc6b0, \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc774\ub098 \uc6b4\uc6a9\uc0ac\uc758 \uc804\ub7b5\uc5d0 \ub530\ub77c \uc218\uc775\ub960\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c, \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 \uacfc\uac70 \uc131\uacfc, \uc6b4\uc6a9 \ubc29\uc2dd, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \uc804\ub9dd\uc5d0 \uad00\ud55c \ubd84\uc11d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ubc18\uba74, \uc778\ub371\uc2a4 \ud380\ub4dc\ub294 \ube44\uad50\uc801 \ub0ae\uc740 \ubcc0\ub3d9\uc131\uc744 \uc720\uc9c0\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc73c\ubbc0\ub85c, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc548\uc815\uc131\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \uac01 \ud380\ub4dc\uc758 \ub9ac\uc2a4\ud06c \uc9c0\ud45c\uc640 \uc131\uacfc \ube44\uad50 \ub370\uc774\ud130\ub97c \uba74\ubc00\ud788 \uac80\ud1a0\ud574\uc57c \ud558\uba70, \ub2e4\uc591\ud55c \uae08\uc735 \ub9ac\ud3ec\ud2b8\uc640 \ud1b5\uacc4\ub97c \ucc38\uace0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \uae00\ub85c\ubc8c \uacbd\uc81c\uc640 \uc815\uce58\uc801 \uc774\uc288\uac00 \ud22c\uc790 \ub9ac\uc2a4\ud06c\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uad6d\ub0b4\uc678 \uacbd\uc81c \uc0c1\ud669, \uae08\ub9ac \ubcc0\ub3d9, \uad6d\uc81c \uc815\uc138 \ub4f1\uc758 \uc694\uc778\uc740 \ud380\ub4dc\uc758 \uc218\uc775\ub960\uacfc \uc704\ud5d8 \uc218\uc900\uc5d0 \uc9c1\uacb0\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d\uacfc \uc720\ub7fd \ub4f1 \uc8fc\uc694 \uc120\uc9c4\uad6d\uc758 \uae08\ub9ac \uc778\uc0c1\uc774\ub098 \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c\uac00 \uc99d\uac00\ud558\uba74, \uc774\uc5d0 \ub530\ub77c \ud574\uc678 \ud380\ub4dc\uc758 \ud22c\uc790 \uc218\uc775\ub960\uc5d0\ub3c4 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud22c\uc790\uc790\ub294 \uc774\ub7ec\ud55c \ub9e4\ud06c\ub85c \uacbd\uc81c \uc9c0\ud45c\uc640 \uae00\ub85c\ubc8c \ub274\uc2a4\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc774\uba70, \ud544\uc694 \uc2dc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4\uc758 \uc790\uc0b0 \ubc30\ubd84\uc744 \uc870\uc815\ud558\ub294 \uc720\uc5f0\uc131\uc744 \uac00\uc838\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c, \ud22c\uc790\uc790 \uc2a4\uc2a4\ub85c\uac00 \uc704\ud5d8 \uad00\ub9ac\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uc815\ubcf4 \uc5c5\ub370\uc774\ud2b8\ub97c \ud1b5\ud574 \uc804\ubb38\uc131\uc744 \ud0a4\uc6b0\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ucd5c\uc2e0 \uae08\uc735 \ud2b8\ub80c\ub4dc, \uc2e0\uaddc \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \ub9ac\ubdf0, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \ud22c\uc790 \uc9c0\uc2dd\uc744 \ucd95\uc801\ud558\ub294 \uac83\uc740 \ub2e8\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacf5\ubfd0 \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc758 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uae08\uc735 \uad00\ub828 \uc138\ubbf8\ub098, \uc628\ub77c\uc778 \uac15\uc88c, \uac01\uc885 \ud22c\uc790 \ucee4\ubba4\ub2c8\ud2f0 \ub4f1\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc815\uae30\uc801\uc73c\ub85c \uc815\ubcf4\ub97c \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc774 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ubcf4\ub2e4 \uc2e0\uc18d\ud558\uac8c \ub300\uc751\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc74c\uc774 \uc5ec\ub7ec \uc5f0\uad6c\uc5d0\uc11c \ud655\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8\ub85c, \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc5d0 \uc788\uc5b4\uc11c\uc758 \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc694\uc18c\ub294 \uc9c0\uc5ed\uc801 \ubd84\uc0b0\uc785\ub2c8\ub2e4. \uad6d\ub0b4 \uc2dc\uc7a5\uc5d0\ub9cc \uad6d\ud55c\ub418\uc9c0 \uc54a\uace0, \ud574\uc678 \uc8fc\uc694 \uacbd\uc81c\uad8c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ud2b9\uc815 \uad6d\uac00\ub098 \uc9c0\uc5ed\uc758 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uc624\ub294 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc5ec\uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ub0b4 \uacbd\uc81c \ub454\ud654 \uc2dc \ud574\uc678 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc131\uc7a5\uc138\ub97c \ubcf4\uc644\ud560 \uc218 \uc788\uc73c\uba70, \ubc18\ub300\ub85c \ud574\uc678 \uc2dc\uc7a5\uc758 \ubd88\uc548\uc815 \uc0c1\ud0dc\uc77c \ub54c \uad6d\ub0b4 \uc548\uc815 \uc790\uc0b0\uc774 \ud070 \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc5ed \ubd84\uc0b0 \uc804\ub7b5\uc740 \uc885\ud569\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\uc2a4\ud06c\ub97c \ub0ae\ucd94\uae30 \uc704\ud574 \ud544\uc218\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \ud22c\uc790\uc790\ub294 \ud380\ub4dc \ud22c\uc790 \uc2dc \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \uc77c\ud76c\uc77c\ube44\ud558\uc9c0 \uc54a\uace0, \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5\uc744 \uc9c0\uc18d \uc2e4\ud589\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uac10\uc815\uc5d0 \uc88c\uc6b0\ub41c \ud22c\uc790 \uacb0\uc815\uc740 \ubd88\ud544\uc694\ud55c \uc190\uc2e4\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc73c\uba70, \uc7a5\uae30\uc801 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574\uc11c\ub294 \uafb8\uc900\ud55c \ud22c\uc790\uc640 \uaddc\uce59\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c \ud22c\uc790 \uc0ac\ub840\uc5d0\uc11c, \ub2e8\uae30\uc801 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \uacfc\ubbfc\ubc18\uc751\ud558\uc9c0 \uc54a\uace0 \uc77c\uc815\ud55c \ud22c\uc790 \uc6d0\uce59\uc744 \uace0\uc218\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \ud3c9\uade0 \uc774\uc0c1\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uacb0\uacfc\uac00 \uc774\ub97c \ub4b7\ubc1b\uce68\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uc704\ud5d8 \uad00\ub9ac\ub97c \uc704\ud55c \ubcf4\uc870 \uc9c0\ud45c\ub85c\ub294 \ubca4\uce58\ub9c8\ud06c \uc9c0\uc218\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc774 \ubcf4\uc720\ud55c \ud380\ub4dc\uc758 \uc131\uacfc\ub97c \uc8fc\uc694 \ubca4\uce58\ub9c8\ud06c\uc640 \ube44\uad50\ud568\uc73c\ub85c\uc368, \ud574\ub2f9 \ud380\ub4dc\uc758 \uc6b4\uc6a9 \uc2e4\ub825\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ud3c9\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, KOSPI \uc9c0\uc218, \ubbf8\uad6d S&amp;P500 \uc9c0\uc218, \uc720\ub7fd STOXX \uc9c0\uc218 \ub4f1\uc744 \ube44\uad50 \ub300\uc0c1\uc73c\ub85c \uc0bc\uc544, \ud380\ub4dc\uc758 \uc131\uacfc\ub97c \ubd84\uc11d\ud558\ub294 \uac83\uc740 \ud22c\uc790 \uacb0\uc815\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube44\uad50 \ubd84\uc11d \uacb0\uacfc\ub294 \ud22c\uc790\uc790\uc758 \ud5a5\ud6c4 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4\uc11c\ub3c4 \uc911\uc694\ud55c \uae30\uc900\uc810\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \ud6a8\uacfc\uc801\uc778 \uc704\ud5d8 \uad00\ub9ac\ub294 \ub2e8\uc21c\ud788 \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\ubc38\ub7f0\uc2f1\uc5d0\ub9cc \uad6d\ud55c\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uacbd\uc81c \ubd88\ud669\uc774\ub098 \uae08\uc735 \uc704\uae30\uc640 \uac19\uc740 \ube44\uc0c1 \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uc5ec \uae34\uae09 \uc790\uae08\uc758 \ud655\ubcf4\ub098, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4 \uc77c\ubd80 \uc790\uc0b0\uc744 \ud604\uae08\ud654\ud558\ub294 \ub4f1\uc758 \ub300\uc751 \uc804\ub7b5\uc744 \ubc18\ub4dc\uc2dc \ub9c8\ub828\ud574 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300, \uc608\uc0c1\uce58 \ubabb\ud55c \uacbd\uc81c \uc704\uae30 \uc2dc\uae30\uc5d0 \ud604\uae08\uc131 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \ub192\uc774\ub294 \uc804\ub7b5\uc740 \uae08\uc735 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\ub294 \ub370 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc774\ub7f0 \ub300\uc751 \uc804\ub7b5\uc740 \uc7a5\uae30 \ud22c\uc790\ub97c \ud558\ub294 \ubaa8\ub4e0 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ud544\uc218\uc801\uc778 \uc694\uc18c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \uc885\ud569\uc801\uc73c\ub85c \ubcf4\uba74 \uc704\ud5d8 \uad00\ub9ac\uc640 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uae30\uac04\uc758 \uc218\uc775\ubcf4\ub2e4 \uc548\uc815\uc131\uacfc \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4. \ud22c\uc790 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc704\uae30\uc640 \uae30\ud68c\ub294 \uc0c1\ud638 \ubcf4\uc644\uc801\uc774\uba70, \ud22c\uc790\uc790\ub294 \uc774\ub7ec\ud55c \ubcc0\ub3d9\uc131 \uc18d\uc5d0\uc11c\ub3c4 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc6d0\uce59\uc744 \uc9c0\ucf1c\ub098\uac00\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub97c \ubcf4\uba74, \ub9e4\uc6d4 10\ub9cc \uc6d0\uc758 \uafb8\uc900\ud55c \ud22c\uc790\uc640 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc218\uc2ed \ub144\uc5d0 \uac78\uccd0 \uc548\uc815\uc801 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc774\ub8ec \uc131\uacf5 \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \ud22c\uc790\uc790\uc758 \uc778\ub0b4\uc640 \ucca0\uc800\ud55c \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5\uc740 \uacb0\uad6d \ud22c\uc790 \uc131\uacf5\uc73c\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<p>    <\/p>\n<h2 id=\"4-%ec%a0%84%eb%ac%b8%ea%b0%80-%ec%a0%84%eb%9e%b5%ea%b3%bc-%eb%af%b8%eb%9e%98-%ec%a0%84%eb%a7%9d-ZtOhTxgiTT\">4. \uc804\ubb38\uac00 \uc804\ub7b5\uacfc \ubbf8\ub798 \uc804\ub9dd<\/h2>\n<p>\uc6d4 10\ub9cc \uc6d0\uc758 \uc18c\uc561 \ud22c\uc790\ub77c\ub3c4 \uc7a5\uae30\uac04 \uafb8\uc900\ud788 \uc313\uc544 \uc62c\ub9ac\ub294 \uc790\uc0b0\uc758 \uac00\uce58\ub97c \uadf9\ub300\ud654\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc804\ubb38 \ud22c\uc790\uc790\ub4e4\uc774 \ucc44\ud0dd\ud558\ub294 \uc804\ub7b5\uacfc \ubbf8\ub798 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc804\ub9dd\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \ubcf4\ud1b5 \ub2e8\uc21c\ud55c \ud380\ub4dc \uc120\ud0dd\uacfc \ubd84\uc0b0 \ud22c\uc790\ub97c \ub118\uc5b4, \uac70\uc2dc\uacbd\uc81c \ub3d9\ud5a5, \uae30\uc220 \ubc1c\uc804, \uc0ac\ud68c\uc801 \ubcc0\ud654 \ub4f1 \ub2e4\uc591\ud55c \uc694\uc18c\ub97c \uace0\ub824\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ubb38 \uc804\ub7b5\ub4e4\uc744 \ucc38\uace0\ud558\uba74, \uc18c\uc561 \ud22c\uc790\uc790\ub85c\uc11c\ub3c4 \uc2dc\uc7a5\uc758 \ud070 \ud750\ub984\uc5d0 \ub9de\ucdb0 \uc804\ub7b5\uc801\uc73c\ub85c \uc811\uadfc\ud560 \uc218 \uc788\ub294 \uae38\uc774 \uc5f4\ub9ac\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc774 \uac15\uc870\ud558\ub294 \ud575\uc2ec \uc804\ub7b5 \uc911 \ud558\ub098\ub294 \u201c\ube44\uc6a9 \uad00\ub9ac(cost management)\u201d\uc785\ub2c8\ub2e4. \ud380\ub4dc \ud22c\uc790\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uac01\uc885 \uc218\uc218\ub8cc\uc640 \ube44\uc6a9\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ubcf5\ub9ac \ud6a8\uacfc\uc5d0 \ubd80\uc815\uc801 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \uc800\ube44\uc6a9 \ud380\ub4dc\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \ube44\uc6a9 \ud6a8\uc728\uc131\uc774 \ub6f0\uc5b4\ub09c \uc778\ub371\uc2a4 \ud380\ub4dc\ub098 ETF\ub97c \ud1b5\ud574 \uc7a5\uae30 \ud22c\uc790 \uc2dc \ube44\uc6a9 \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud560 \uac83\uc744 \uad8c\uc7a5\ud558\uba70, \uc2e4\uc81c \uc2dc\uc7a5 \ub370\uc774\ud130\uc5d0\uc11c\ub3c4 \uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \uc0c1\ud488\uc774 \ub354 \ub192\uc740 \uc21c\uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\ub294 \uc0ac\ub840\uac00 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc7a5\uae30 \ud22c\uc790\uc5d0\uc11c \ud575\uc2ec\uc801\uc778 \uc694\uc18c\uc778 \u2018\uc2dc\uac04\uc758 \uac00\uce58(time value)\u2019\ub97c \uadf9\ub300\ud654\ud558\uae30 \uc704\ud574, \uc815\uae30\uc801\uc774\uace0 \uafb8\uc900\ud55c \ud22c\uc790 \ubc29\ubc95\ub860\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uc6d4 \ub2e8\uc704 \ud639\uc740 \ubd84\uae30 \ub2e8\uc704\ub85c \uc815\ud574\uc9c4 \uae08\uc561\uc744 \ud22c\uc790\ud558\ub294 \u2018\ub2ec\ub7ec \ucf54\uc2a4\ud2b8 \uc560\ubc84\ub9ac\uc9d5(Dollar Cost Averaging)\u2019 \uae30\ubc95\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \uc774 \ubc29\ubc95\uc740 \uac00\uaca9\uc774 \ub192\uc740 \uc2dc\uae30\uc5d0\ub3c4 \ub0ae\uc740 \uc2dc\uae30\uc5d0\ub3c4 \uc77c\uc815 \uae08\uc561\uc744 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ud3c9\uade0 \ub9e4\uc785 \ub2e8\uac00\ub97c \ub0ae\ucd94\uace0 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uac00\uc838\ub2e4 \uc900\ub2e4\ub294 \uc810\uc5d0\uc11c \ud070 \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc218\ub9ce\uc740 \ud22c\uc790 \uc0ac\ub840\ub4e4\uc744 \ud1b5\ud574 \uc774 \uc804\ub7b5\uc758 \uc720\ud6a8\uc131\uc774 \uc785\uc99d\ub418\uc5c8\uc73c\uba70, \uc804\ubb38\uac00\ub4e4 \uc0ac\uc774\uc5d0\uc11c\ub3c4 \uafb8\uc900\ud55c \uc2e4\ud589\ub825\uc774 \uac15\uc870\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc740 \ubbf8\ub798 \uacbd\uc81c \ubc0f \uc0b0\uc5c5 \uad6c\uc870\uc758 \ubcc0\ud654\ub97c \uc608\uc758 \uc8fc\uc2dc\ud558\uba70, \uae30\uc220 \ud601\uc2e0, \ud658\uacbd \ubcc0\ud654, \uc0ac\ud68c\uc801 \ud2b8\ub80c\ub4dc \ub4f1\uc5d0 \ub530\ub978 \uc120\uc81c\uc801 \ub300\uc751 \uc804\ub7b5\uc744 \ub9c8\ub828\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc778\uacf5\uc9c0\ub2a5, \ubc14\uc774\uc624\uae30\uc220, \uc2e0\uc7ac\uc0dd \uc5d0\ub108\uc9c0 \ub4f1 \ubbf8\ub798 \uc720\ub9dd \uc0b0\uc5c5\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud558\ub294 \ud380\ub4dc\ub294 \ub2e8\uae30\uc801 \ubcc0\ub3d9\uc131\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc7a5\uae30\uc801 \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\ub294 \ubd84\uc11d\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \uc6d4 10\ub9cc \uc6d0\uc758 \uc18c\uc561 \ud22c\uc790\uc758 \ud55c\uacc4\ub97c \uadf9\ubcf5\ud558\uace0, \ubbf8\ub798\uc758 \uac70\uc2dc\uacbd\uc81c \ubcc0\ud654\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc73c\ub85c \ud3c9\uac00\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \ub54c \u2018\uc561\ud2f0\ube0c \uc790\uc0b0 \ubc30\ubd84(Active Asset Allocation)\u2019 \uc804\ub7b5\uc744 \uc885\uc885 \uc5b8\uae09\ud569\ub2c8\ub2e4. \uc774\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc790\uc0b0 \ubc30\ubd84\uc758 \ube44\uc911\uc744 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud558\ub294 \ubc29\ubc95\uc73c\ub85c, \uc804\ud1b5\uc801\uc778 \ubd84\uc0b0 \ud22c\uc790\ubcf4\ub2e4 \ub354 \uc138\ubc00\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \uc218\uc775 \uadf9\ub300\ud654\ub97c \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uc77c\ubd80 \uc804\ubb38 \ud22c\uc790\uc790\ub4e4\uc740 \uae08\uc735 \uc704\uae30 \uc2dc\uc810\uc5d0 \uc801\uadf9\uc801\uc73c\ub85c \ucc44\uad8c \ube44\uc911\uc744 \ub298\ub9ac\uace0, \uacbd\uc81c \ud68c\ubcf5\uae30\uc5d0\ub294 \uc8fc\uc2dd \ubc0f \ud574\uc678 \uc790\uc0b0\uc5d0 \uc7ac\ud22c\uc790\ub97c \ud1b5\ud574 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud574 \uc654\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790 \uc131\uacf5\uc744 \uc704\ud574 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \u2018\ud000\ud2b8 \ud22c\uc790(Quant Investment)\u2019 \uc804\ub7b5\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ube45\ub370\uc774\ud130\uc640 \uc54c\uace0\ub9ac\uc998\uc744 \ud65c\uc6a9\ud558\uc5ec \ud604\uc7ac \uc2dc\uc7a5 \uc0c1\ud669\uc744 \uc815\ubc00\ud558\uac8c \ubd84\uc11d\ud558\uace0, \ubbf8\ub798 \uc2dc\uc7a5\uc758 \ubcc0\ud654 \ubc29\ud5a5\uc744 \uc608\uce21\ud558\ub294 \uae30\ubc95\uc740 \ub2e8\uc21c\ud55c \uac10\uc5d0 \uc758\uc874\ud55c \ud22c\uc790\ubcf4\ub2e4 \ud6e8\uc52c \uc2e0\ub8b0\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uae30\uad00 \ud22c\uc790\uac00\ub4e4\uc740 \uc2e4\uc81c \uc774\uc640 \uac19\uc740 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc9c0\uc18d\uc801\uc778 \ucd08\uacfc \uc218\uc775\uc744 \ucc3d\ucd9c\ud574\uc654\uc73c\uba70, \uc774\ub7ec\ud55c \uacbd\ud5d8\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub3c4 \uc720\uc6a9\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uacbd\ud5d8 \ucd95\uc801\uc744 \ud1b5\ud574 \u2018\ud22c\uc790 \uc2ec\ub9ac(Investor Psychology)\u2019\ub97c \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc7a5\uae30 \ud22c\uc790\uc758 \uc131\uacf5 \uc694\uc18c\ub77c\uace0 \uc9c0\uc801\ud569\ub2c8\ub2e4. \uac10\uc815\uc5d0 \uc88c\uc6b0\ub418\uc9c0 \uc54a\uace0 \uccb4\uacc4\uc801\uc778 \ubd84\uc11d\uacfc \uacc4\ud68d\uc5d0 \uae30\ubc18\ud55c \ud22c\uc790 \ubc29\ubc95\uc740, \uc2dc\uc7a5\uc758 \ub2e8\uae30\uc801\uc778 \uc18c\ub3d9\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790 \uc2ec\ub9ac \uad00\ub9ac \uae30\ubc95\uc740 \ub2e4\uc591\ud55c \uc2e4\uc804 \uc0ac\ub840\uc640 \uc2ec\ub9ac\ud559 \uc5f0\uad6c\uc5d0\uc11c \uadf8 \ud6a8\uacfc\uac00 \uc785\uc99d\ub418\uc5c8\uc73c\uba70, \ud22c\uc790\uc790\ub4e4\uc774 \uc2a4\uc2a4\ub85c\uc758 \ud310\ub2e8\ub825\uc744 \ub192\uc774\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \ucd5c\uc2e0 \uae08\uc735 \uae30\uc220(FinTech)\uc758 \ubc1c\uc804\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc0c8\ub85c\uc6b4 \ub3c4\uad6c\uc640 \ud50c\ub7ab\ud3fc\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368, \ubcf4\ub2e4 \uc815\ubc00\ud558\uace0 \ud6a8\uc728\uc801\uc778 \ud22c\uc790 \ubd84\uc11d\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc628\ub77c\uc778 \ud22c\uc790 \ud50c\ub7ab\ud3fc, \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800, AI \uae30\ubc18 \ucd94\ucc9c \uc11c\ube44\uc2a4 \ub4f1\uc740 \uc2dc\uc7a5 \ub370\uc774\ud130\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ubd84\uc11d\ud574 \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc81c\uc2dc\ud558\ub294 \uae30\ub2a5\uc744 \uac16\ucd94\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc6d4 10\ub9cc \uc6d0\uc758 \uc18c\uc561 \ud22c\uc790\uc790\uc5d0\uac8c\ub3c4 \uc804\ubb38\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc640 \ud22c\uc790 \uc804\ub7b5 \uad6c\ud604\uc5d0 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220\uc801 \ubc1c\uc804\uc740 \ubbf8\ub798 \ud22c\uc790 \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \uc8fc\ub3c4\ud560 \uc911\uc694\ud55c \uc694\uc18c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc720\uc5f0\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ub3d9\uc885 \uc5c5\uacc4\uc758 \uc804\ubb38\uac00 \uc758\uacac, \uc5f0\uad6c \ubcf4\uace0\uc11c, \uadf8\ub9ac\uace0 \uacbd\uc81c \uc804\ub9dd \uc790\ub8cc\ub4e4\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc218\uc9d1\ud558\uace0 \ubd84\uc11d\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uae08\uc735 \uc804\ubb38\uc9c0, \uacbd\uc81c \uc2e0\ubb38, \uac01\uc885 \uc138\ubbf8\ub098 \ubc0f \ud22c\uc790 \ucee8\ud37c\ub7f0\uc2a4 \ub4f1\uc744 \ud1b5\ud574 \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc790\uc2e0\uc758 \uc804\ub7b5\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \uc218\uc815\ud574 \ub098\uac00\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \ud65c\uc6a9\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ub2e4 \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\ub294 \uc0ac\ub840\uac00 \ube48\ubc88\ud558\uac8c \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc740 \ud5a5\ud6c4 \uae00\ub85c\ubc8c \uacbd\uc81c\uac00 \uc0dd\uc0b0\uc131 \ud601\uc2e0\uacfc \ud568\uaed8 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uc744 \uc774\ub8f0 \uac83\uc774\ub77c\ub294 \uc804\ub9dd\uc744 \ub0b4\ub193\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub9dd\uc740 \ud2b9\ud788 \ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870(ESG) \ud22c\uc790\uc640 \uc5f0\uacc4\ub418\uc5b4 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uacfc \uc0ac\ud68c\uc801 \uac00\uce58\ub97c \ub3d9\uc2dc\uc5d0 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \ud22c\uc790 \uc804\ub7b5\uc73c\ub85c \ud3c9\uac00\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 ESG \uc694\uc18c\ub97c \uace0\ub824\ud55c \ud380\ub4dc\uc5d0 \ub300\ud55c \uad00\uc2ec\uc744 \ub192\uc774\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ub2e8\uc21c\ud55c \uc7ac\ubb34 \uc218\uc775\uc744 \ub118\uc5b4 \ubbf8\ub798 \uac00\uce58 \ucc3d\ucd9c\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uc911\uc694\ud55c \ud2b8\ub80c\ub4dc\ub85c \uc790\ub9ac \uc7a1\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uc2dc\ud558\ub294 \ubbf8\ub798 \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \ud55c\ub450 \uac00\uc9c0 \uc804\ub7b5\uc5d0 \uc758\uc874\ud558\uae30\ubcf4\ub2e4\ub294, \ub2e4\uc591\ud55c \uc804\ub7b5\uc758 \uacb0\ud569\uacfc \uc720\uc5f0\ud55c \ub300\ucc98\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc758 \ud22c\uc790\uae08\uc561\uc774\ub77c\ub3c4, \uccb4\uacc4\uc801\uc778 \uc804\ub7b5\uacfc \uc9c0\uc18d\uc801\uc778 \uc2dc\uc7a5 \ubd84\uc11d, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \ud22c\uc790 \ub3c4\uad6c\uc758 \uc801\uadf9\uc801 \ud65c\uc6a9\uc744 \ud1b5\ud574 \ud070 \uc790\uc0b0 \uc99d\uc2dd \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc885\uc801\uc73c\ub85c, \uc774\ub7ec\ud55c \uc804\ub7b5\ub4e4\uc744 \uc885\ud569\ud558\uc5ec \uad6c\ucd95\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub294 \ub2e4\uc591\ud55c \uacbd\uc81c \ubd88\ud655\uc2e4\uc131\uc5d0\ub3c4 \uacac\ub51c \uc218 \uc788\uc73c\uba70, \uc548\uc815\uc801\uc774\uace0 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uc758 \uae30\ubc18\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc774 \uacf5\ud1b5\uc73c\ub85c \uac15\uc870\ud558\ub294 \ubc14\uc640 \uac19\uc774, \ub370\uc774\ud130 \uae30\ubc18 \ubd84\uc11d, \ube44\uc6a9 \ud6a8\uc728\uc131, \uadf8\ub9ac\uace0 \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc740 \ubbf8\ub798 \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \ubc18\ub4dc\uc2dc \ud544\uc694\ud55c \ud575\uc2ec \uc694\uc18c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc804\uccb4\uc801\uc778 \uc694\uc57d\uc744 \ud558\uc790\uba74, \uc6d4 10\ub9cc \uc6d0\uc758 \uc18c\uaddc\ubaa8 \ud22c\uc790\ub77c\ub3c4 \uc7a5\uae30\uc801\uc73c\ub85c \uafb8\uc900\ud55c \uc2e4\ud589, \ucca0\uc800\ud55c \ube44\uc6a9 \uad00\ub9ac, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \uae08\uc735 \uae30\uc220\uacfc \uc804\ubb38 \ubd84\uc11d \uae30\ubc95\uc744 \uc801\uc6a9\ud55c\ub2e4\uba74, \ub204\uad6c\ub098 \uc548\uc815\uc801\uc774\uace0 \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc758 \ub2e4\uc591\ud55c \uc804\ub7b5\uc744 \uc885\ud569\ud558\uc5ec \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\uace0, \uc774\ub97c \uafb8\uc900\ud558\uac8c \uc2e4\ud589\ud558\ub294 \uac83\uc774 \ud380\ub4dc \ud22c\uc790\uc758 \uad81\uadf9\uc801\uc778 \uc131\uacf5 \uc5f4\uc1e0\uc785\ub2c8\ub2e4.<\/p>\n<p><strong>\uc694\uc57d:<\/strong> \ubcf8 \uae00\uc5d0\uc11c\ub294 \ud380\ub4dc \ud22c\uc790 \uae30\ucd08, \ud380\ub4dc \uc885\ub958 \ubc0f \uc120\uc815 \uc804\ub7b5, \uc704\ud5d8 \uad00\ub9ac\uc640 \ubd84\uc0b0 \ud22c\uc790, \uadf8\ub9ac\uace0 \uc804\ubb38\uac00\uc758 \uace0\uae09 \ud22c\uc790 \uc804\ub7b5 \ubc0f \ubbf8\ub798 \uc804\ub9dd\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc6d4 10\ub9cc \uc6d0\uc758 \uc18c\uc561 \ud22c\uc790\ub77c\ub3c4 \uafb8\uc900\ud55c \uc815\uae30 \ud22c\uc790, \ube44\uc6a9 \uad00\ub9ac, \uc790\uc0b0 \ubd84\uc0b0, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \uae08\uc735 \uae30\uc220\uc758 \ud65c\uc6a9\uc744 \ud1b5\ud574 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \ub192\uc740 \uc218\uc775\ub960\uc744 \ub2ec\uc131\ud560 \uc218 \uc788\uc74c\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uc704\ud5d8 \ud5c8\uc6a9\ub3c4\uc5d0 \ub9de\ucd94\uc5b4 \ud380\ub4dc \uc0c1\ud488\uc744 \uc120\uc815\ud558\uace0, \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uacfc \uccb4\uacc4\uc801\uc778 \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5\uc744 \ud1b5\ud574 \ubcc0\ub3d9\uc131 \ub192\uc740 \uc2dc\uc7a5 \ud658\uacbd\uc5d0\uc11c\ub3c4 \ud604\uba85\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uc2dc\ud55c \ub2e4\uc591\ud55c \uc804\ub7b5\uacfc \uc0ac\ub840, \ucd5c\uc2e0 \ub3d9\ud5a5 \ubc0f \uacbd\uc81c \uc804\ub9dd\uc744 \uc885\ud569\ud558\uba74, \ub204\uad6c\ub098 \ucda9\ubd84\ud788 \uc131\uacf5\uc801\uc778 \ud380\ub4dc \ud22c\uc790\uc790\uac00 \ub420 \uc218 \uc788\ub2e4\ub294 \uac15\ub825\ud55c \uba54\uc2dc\uc9c0\ub97c \uc804\ub2ec\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc6d4 10\ub9cc \uc6d0\uc73c\ub85c\ub3c4 \uc2dc\uc791 \uac00\ub2a5\ud55c \ud380\ub4dc \ud22c\uc790 \uc804\ub7b5! \uccb4\uacc4\uc801 \ubd84\uc0b0 \ud22c\uc790\uc640 \uc2a4\ub9c8\ud2b8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc73c\ub85c \uc18c\uc561 \ud22c\uc790\uc790\uac00 \uc548\uc815\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc99d\uc2dd\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 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