\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131\ubc95<\/title><\/p>\n<h1 id=\"%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%9e%ac%eb%ac%b4-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ea%b3%bc-%eb%8b%ac%ec%84%b1%eb%b2%95-grBUQQTgqF\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131\ubc95<\/h1>\n\uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\uc740 \uc9c1\uc7a5\uc5d0\uc11c \uccab \ubc1c\uc744 \ub0b4\ub51b\uc73c\uba70 \ub3d9\uc2dc\uc5d0 \uc790\uc2e0\ub9cc\uc758 \uacbd\uc81c\uc801 \ub3c5\ub9bd\uc744 \uc900\ube44\ud558\ub294 \uc911\uc694\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc774 \uc2dc\uae30\uc5d0\ub294 \ud22c\uc790, \uc800\ucd95, \uc18c\ube44 \uad00\ub9ac \ub4f1 \ub2e4\uc591\ud55c \uc7ac\ubb34 \uc804\ub7b5\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uae00\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \ub2ec\uc131\ud558\ub294 \ub370\uc5d0 \ud544\uc694\ud55c \uad6c\uccb4\uc801 \uc804\ub7b5\uacfc \uc0ac\ub840, \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5 \ub4f1\uc744 \uae4a\uc774 \uc788\uac8c \ubd84\uc11d\ud558\uba70, \ud1b5\uacc4\uc640 \uc2e4\uc81c \uc0ac\ub840\ub97c \ud1b5\ud574 \ub3c5\uc790\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \uc81c\uacf5\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n\uc7ac\ubb34 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\uace0 \uc774\ub97c \ub2ec\uc131\ud558\ub294 \ubc29\ubc95\uc740 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubaa8\uc73c\ub294 \uac83\uc744 \ub118\uc5b4 \uc790\uc2e0\uc758 \uac00\uce58\uad00\uacfc \ubbf8\ub798 \ube44\uc804\uc744 \uc7ac\uc815\uc801\uc73c\ub85c \ub4b7\ubc1b\uce68\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \uc788\uc5b4\uc11c \uc7ac\ubb34 \uc124\uacc4\ub294 \uae09\uaca9\ud55c \uc218\uc785 \uc99d\uac00\uc640 \uc9c0\ucd9c \uad00\ub9ac, \ud22c\uc790 \uc704\ud5d8 \uad00\ub9ac \ub4f1 \ub2e4\ubc29\uba74\uc758 \ubb38\uc81c\ub97c \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud574\uc57c \ud558\ub294 \ubcf5\ud569\uc801\uc778 \ubb38\uc81c\uc785\ub2c8\ub2e4.<\/p>\n\uc774 \uae00\uc5d0\uc11c\ub294 \ucd1d 4\uac1c\uc758 \uc8fc\uc694 \uc139\uc158\uc744 \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ub2f9\uba74\ud560 \uc218 \uc788\ub294 \uc7ac\ubb34 \ubb38\uc81c\ub4e4\uc744 \ud574\uacb0\ud560 \uc218 \uc788\ub294 \uc804\ub7b5\uc744 \uc81c\uc2dc\ud560 \uac83\uc785\ub2c8\ub2e4. \uac01 \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \uae30\ubcf8 \uc6d0\ub9ac, \uc608\uc0b0 \uc218\ub9bd \ubc0f \uc18c\ube44 \uad00\ub9ac, \ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5, \uc2e4\ucc9c \ubc29\uc548\uacfc \uc9c0\uc18d\uc801\uc778 \uad00\ub9ac \ubc29\ubc95\uc744 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n\uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc218\ub9bd\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \uac00\uc7a5 \ud575\uc2ec\uc801\uc778 \uc694\uc18c\ub294 \uc790\uc2e0\uc758 \ud604\uc7ac \uc7ac\uc815 \uc0c1\ud0dc\uc640 \ubbf8\ub798 \uacc4\ud68d\uc744 \uba85\ud655\ud788 \uc778\uc2dd\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc758 \uc57d 65%\uac00 \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \uacc4\ud68d \uc5c6\uc774 \uc18c\ube44 \ud328\ud134\uc744 \ud615\uc131\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub85c \uc778\ud574 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubd88\uc548\uc815\uc5d0 \uc9c1\uba74\ud558\ub294 \uc0ac\ub840\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d \uc218\ub9bd\uc740 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\uc2e4\uc81c \uc5ec\ub7ec \uc7ac\ubb34 \uc804\ubb38\uac00\ub4e4\uc758 \uc0ac\ub840 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uae30\ub85d\ud558\uace0, \uc911\uac04 \uc810\uac80 \ubc0f \uc218\uc815\ud558\ub294 \uac83\uc774 \uc7ac\ubb34 \uc548\uc815\uc131 \ud655\ubcf4\uc5d0 \ud070 \ub3c4\uc6c0\uc744 \uc900\ub2e4\uace0 \ubc1d\ud600\uc84c\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, A\uae30\uc5c5\uc5d0 \ucde8\uc5c5 \ud6c4 \uccab \uc6d4\uae09\uc744 \ubc1b\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd B\uc528\ub294 \uc6d4\uae09\uc758 20%\ub97c \uc800\ucd95\ud558\uace0, 10%\ub97c \ud22c\uc790\uc5d0 \ud65c\uc6a9\ud558\ub294 \uacc4\ud68d\uc744 \uc138\uc6e0\uc73c\uba70, \uc774 \uacc4\ud68d \ub355\ubd84\uc5d0 3\ub144 \ub9cc\uc5d0 \uc6d0\ud558\ub294 \uc790\uaca9\uc99d \ucde8\ub4dd\uacfc \ud568\uaed8 \ucd94\uac00 \uc18c\ub4dd\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\ub610\ud55c, \ucd5c\uadfc\uc758 \uae08\uc735 \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74, \ub514\uc9c0\ud138 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ubc1c\ub2ec\uacfc \ud568\uaed8 \ub2e4\uc591\ud55c \ubaa8\ubc14\uc77c \uc571, \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800 \ubc0f \uc790\ub3d9 \uc800\ucd95 \uc11c\ube44\uc2a4 \ub4f1\uc774 \ub4f1\uc7a5\ud558\uba74\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ubcf4\ub2e4 \uc27d\uac8c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc774 \ub9c8\ub828\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uae30\uc220 \ubc1c\uc804\uc740 \uac1c\uc778\uc758 \uc7ac\ubb34 \uad00\ub9ac \ubc29\uc2dd\uc744 \ud601\uc2e0\uc801\uc73c\ub85c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ud2b9\ud788, \uc7ac\ubb34 \ubaa9\ud45c \uc218\ub9bd\uc740 \ub2e8\uc21c\ud55c \ub3c8 \ubaa8\uc73c\uae30\ub97c \ub118\uc5b4 \uc790\uc2e0\ub9cc\uc758 \uac00\uce58\uad00\uacfc \uc778\uc0dd\uc758 \ube44\uc804\uc744 \uc2e4\ud604\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc7ac\ubb34 \ubaa9\ud45c\ub294 \ubbf8\ub798\uc758 \uafc8\uacfc \ud76c\ub9dd\uc744 \uc22b\uc790\ub85c \ud45c\ud604\ud558\ub294 \uacfc\uc815\uc73c\ub85c, \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uacfc \ucca0\uc800\ud55c \uc2e4\ud589\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc5bb\uc5b4\uc9c0\ub294 \uc7ac\uc815\uc801 \uc548\uc815\uc740 \uac1c\uc778\uc801\uc778 \uc0b6\uc758 \uc9c8 \ud5a5\uc0c1\ubfd0 \uc544\ub2c8\ub77c \uc0ac\ud68c \uc804\uccb4\uc758 \uc9c0\uc18d \uac00\ub2a5\ud55c \ubc1c\uc804\uc5d0\ub3c4 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc774 \uae00\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud558\uace0, \uc774\ub97c \uc2e4\uc81c \uc0dd\ud65c\uc5d0 \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ubc29\ubc95\ub860\uacfc \uc0ac\ub840, \ud1b5\uacc4 \uc790\ub8cc\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ubd84\uc11d\uc744 \ud1b5\ud574 \ud604\uba85\ud55c \uc7ac\ubb34 \uad00\ub9ac\uc758 \ud544\uc694\uc131\uc744 \uc7ac\uc870\uba85\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc740 \ub2e8\uc21c\ud788 \ud604\uc7ac\uc758 \uc18c\ube44\ub97c \uc870\uc808\ud558\ub294 \uac83\uc744 \ub118\uc5b4 \ubbf8\ub798\uc5d0 \ub300\ube44\ud558\ub294 \ud604\uba85\ud55c \uc7ac\ubb34 \uc804\ub7b5\uc758 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc774 \uae00\uc744 \ud1b5\ud574 \uc81c\uc2dc\ub418\ub294 \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131\ubc95\uc740 \ub204\uad6c\ub098 \uc27d\uac8c \uc811\uadfc\ud558\uace0 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub3c4\ub85d \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \uc811\uadfc\ubc95\uacfc \ub2e8\uacc4\ubcc4 \uc2e4\ud589 \uc804\ub7b5\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\uc815\uc801\uc73c\ub85c \uc131\uacf5\ud560 \uc218 \uc788\ub294 \ubc11\uac70\ub984\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\uc544\ub798\ubd80\ud130 \uac01 \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \uae30\ubcf8 \uc6d0\ub9ac\ubd80\ud130 \uc18c\ube44 \uad00\ub9ac, \ud22c\uc790 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc2e4\ucc9c \ubc29\uc548\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub2e4\uc591\ud55c \uc8fc\uc81c\ub97c \uc0c1\uc138\ud558\uac8c \ub2e4\ub8e8\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ec%9e%ac%eb%ac%b4-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ec%9d%98-%ea%b8%b0%eb%b3%b8-%ec%9b%90%eb%a6%ac%ec%99%80-%ec%a4%91%ec%9a%94%ec%84%b1-grBUQQTgqF\">\uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \uae30\ubcf8 \uc6d0\ub9ac\uc640 \uc911\uc694\uc131<\/h2>\n\uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uacbd\uc81c\uc801 \uc790\ub9bd\uc744 \uc774\ub8e9\ud558\uae30 \uc704\ud55c \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uc218\ub9bd\ud558\ub294 \uacfc\uc815\uc740 \uc790\uc2e0\uc758 \ud604\uc7ac \uc790\uc0b0\uacfc \ubd80\ucc44\ub97c \uc815\ud655\ud788 \ud30c\uc545\ud558\uace0, \ubbf8\ub798\uc5d0 \ub3c4\ub2ec\ud558\uace0\uc790 \ud558\ub294 \uc7ac\uc815\uc801 \uc0c1\ud0dc\ub97c \uba85\ud655\ud788 \uaddc\uc815\ud558\ub294 \ub2e8\uacc4\ub85c \uc2dc\uc791\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubaa9\ud45c \uc218\ub9bd\uc740 \ub2e8\uc21c\ud788 \u2018\ub3c8\uc744 \ubaa8\uc73c\uc790\u2019\ub294 \ud3c9\ubc94\ud55c \uacc4\ud68d\uc5d0\uc11c \ubc97\uc5b4\ub098, \uad6c\uccb4\uc801\uc774\uace0 \uc2e4\ud604 \uac00\ub2a5\ud55c \uc218\uce58\uc640 \uc77c\uc815, \uadf8\ub9ac\uace0 \uc774\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uc138\ubd80 \uc804\ub7b5\ub4e4\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n\uccab \ubc88\uc9f8 \ub2e8\uacc4\uc5d0\uc11c\ub294 \uc790\uc2e0\ub9cc\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ud3c9\uac00\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc6d4\ubcc4 \uc218\uc785, \uc9c0\ucd9c, \ubd80\ucc44, \uc790\uc0b0 \ub4f1 \ub2e4\uc591\ud55c \uc7ac\ubb34 \uc815\ubcf4\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uae30\ub85d\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uadfc \uae08\uc735 \ub2f9\uad6d\uc758 \uc870\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc815\uae30\uc801\uc73c\ub85c \ud3c9\uac00\ud558\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc758 \uc7ac\uc815 \uc548\uc815\uc131\uc774 30% \uc774\uc0c1 \ud5a5\uc0c1\ub418\uc5c8\ub2e4\ub294 \ud1b5\uacc4\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ucca0\uc800\ud55c \uc7ac\ubb34 \ubd84\uc11d\uc758 \uc911\uc694\uc131\uc744 \ubc29\uc99d\ud569\ub2c8\ub2e4.<\/p>\n\ub450 \ubc88\uc9f8 \ub2e8\uacc4\ub85c\ub294 \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\uc640 \ub2e8\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 \uacfc\uc815\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc7a5\uae30\uc801 \ubaa9\ud45c\ub294 \uc608\ub97c \ub4e4\uc5b4 10\ub144 \ud6c4\uc5d0 \uc9d1\uc744 \uc18c\uc720\ud558\uac70\ub098, \uc790\ub140 \uad50\uc721\ube44, \uc740\ud1f4 \uc900\ube44 \ub4f1 \ubbf8\ub798\uc758 \ud070 \ubaa9\ud45c\ub97c \ud3ec\ud568\ud560 \uc218 \uc788\uc73c\uba70, \ub2e8\uae30\uc801 \ubaa9\ud45c\ub294 \uc6d4\ubcc4 \uc800\ucd95\uc561, \ubd80\ucc44 \uc0c1\ud658 \uacc4\ud68d\uacfc \uac19\uc774 \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \uacc4\ud68d\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc774\ub7ec\ud55c \uad6c\ubd84\uc744 \ud1b5\ud574 \uc911\uac04 \uc810\uac80\uacfc \ubaa9\ud45c \uc218\uc815\uc758 \uc720\uc5f0\uc131\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc138 \ubc88\uc9f8 \ub2e8\uacc4\uc5d0\uc11c\ub294 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc804\ub7b5 \uc218\ub9bd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc804\ub7b5\uc740 \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc774\ud574, \ud22c\uc790 \uae30\ubc95, \uc800\ucd95 \ubc29\ubc95 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc5f0\uad6c\uc5d0\uc11c\ub294 \ubaa9\ud45c \uc7ac\ubb34 \ub2ec\uc131\uc744 \uc704\ud574 \ub9e4\ub144 \uc18c\ub4dd\uc758 10~20%\ub97c \uc800\ucd95\ud558\uace0 5~15%\ub97c \ud22c\uc790\uc5d0 \ud65c\uc6a9\ud558\ub294 \uc804\ub7b5\uc774 \ud6a8\uacfc\uc801\uc778 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc740 \ubd88\ud655\uc2e4\ud55c \uc2dc\uc7a5 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc0dd\ud65c \uc548\uc815\uacfc \uc131\uc7a5\uc744 \ub3d9\uc2dc\uc5d0 \ub2ec\uc131\ud558\ub294 \ub370 \ud544\uc218\uc801\uc774\ub77c\ub294 \uc810\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n\ub124 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \ubaa9\ud45c\uc758 \uc9c4\ud589 \uc0c1\ud669\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0, \ud544\uc694 \uc2dc \uc218\uc815\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc7ac\ubb34 \uacc4\ud68d\uc740 \uace0\uc815\ub41c \uac83\uc774 \uc544\ub2c8\ub77c, \uac1c\uc778\uc758 \uc0b6\uc758 \ubcc0\ud654\uc640 \uacbd\uc81c \uc0c1\ud669\uc5d0 \ub530\ub77c \uc720\uc5f0\ud558\uac8c \ubcc0\ud654\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ub9e4\uc6d4 \ud639\uc740 \ub9e4\ubd84\uae30\ub9c8\ub2e4 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\ub294 \uac83\uc740 \ubaa9\ud45c \ub2ec\uc131 \uc5ec\ubd80\ub97c \ud3c9\uac00\ud558\ub294 \uc911\uc694\ud55c \uacfc\uc815\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \ucd08\uae30 \ubaa9\ud45c\uc640 \ub2ec\ub9ac \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c \uc99d\uac00\ub85c \ubaa9\ud45c \uc218\uc815 \ud6c4\uc5d0\ub3c4 \uafb8\uc900\ud558\uac8c \uc800\ucd95\uc744 \uc774\uc5b4\uac14\uace0, \uacb0\uad6d \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc774\ub8e8\uc5b4\ub0b4\uc5c8\uc74c\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc62c\ubc14\ub978 \uae08\uc735 \uc9c0\uc2dd\uacfc \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uae08\uc735 \uad00\ub828 \uc11c\uc801, \uc628\ub77c\uc778 \uac15\uc758 \ubc0f \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4 \ub4f1 \ub2e4\uc591\ud55c \ucc44\ub110\uc744 \ud1b5\ud574 \ucd5c\uc2e0 \uc7ac\ubb34 \uc804\ub7b5\uacfc \uc2dc\uc7a5 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \uc815\ubcf4\ub97c \ucde8\ud569\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc778\ud130\ub137\uacfc \ubaa8\ubc14\uc77c \uc571\uc744 \ud65c\uc6a9\ud55c \uc7ac\ubb34 \uad00\ub9ac \ub3c4\uad6c\ub4e4\uc774 \uc774\ub7ec\ud55c \uad50\uc721\uc801 \uc5ed\ud560\uc744 \ucda9\uc2e4\ud788 \uc218\ud589\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ub9ce\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \ud070 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f \ubc88\uc9f8\ub85c, \ubaa9\ud45c \uc124\uc815 \uc2dc \ud604\uc2e4\uc801\uc778 \uc694\uc18c\ub97c \ubc18\uc601\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ube44\ud604\uc2e4\uc801\uc778 \ubaa9\ud45c\ub294 \uc624\ud788\ub824 \uc7ac\ubb34\uc801\uc778 \uc2e4\ud328\uc640 \uc88c\uc808\uac10\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud574\uce58\ub294 \uc8fc\uc694 \uc694\uc778\uc774 \ub429\ub2c8\ub2e4. \uc7ac\ubb34 \uc804\ubb38\uac00\ub4e4\uc740 \ubb34\ub9ac\ud55c \ubaa9\ud45c\ubcf4\ub2e4\ub294 \ub2ec\uc131 \uac00\ub2a5\ud558\uace0 \uc810\uc9c4\uc801\uc778 \ubaa9\ud45c\uac00 \uc548\uc815\uc801\uc778 \uacbd\uc81c\uc0dd\ud65c\uc744 \uc601\uc704\ud558\ub294 \ub370 \ud6a8\uacfc\uc801\uc774\ub77c\ub294 \uc810\uc744 \uc9c0\uc18d\ud574\uc11c \uac15\uc870\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c\ub294 \ub2e8\uc9c0 \uc22b\uc790\uc0c1\uc758 \ubaa9\ud45c\uac00 \uc544\ub2c8\ub77c, \uac1c\uc778\uc758 \uc0b6\uc758 \uc9c8 \uac1c\uc120\uacfc \ubbf8\ub798\uc758 \uafc8\uc744 \uc2e4\ud604\ud558\uae30 \uc704\ud55c \uc911\uc694\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubaa9\ud45c \uc800\ucd95\uc561\uc744 \ub2ec\uc131\ud55c \ud6c4\uc5d0\ub3c4 \uc7a6\uc740 \uc18c\ube44 \ud328\ud134\uc744 \uace0\uce58\uace0, \ud22c\uc790\uc640 \uc7ac\ud22c\uc790 \ub4f1\uc744 \ud1b5\ud574 \uc790\uc0b0\uc744 \ub298\ub9ac\ub294 \uacfc\uc815\uc5d0\uc11c \uae08\uc735 \uad50\uc721\uc758 \ud6a8\uacfc\ub294 \ubc30\uac00 \ub429\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \ud1b5\ud574 \uc0dd\ud65c\uc758 \uc9c8\uc744 \ud55c\uce35 \ub192\uc77c \uc218 \uc788\ub2e4\ub294 \ub2e4\uc591\ud55c \uc131\uacf5 \uc0ac\ub840\uac00 \uc774\ub97c \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c\ub294 \ub2e8\uae30\uc640 \uc7a5\uae30\ub97c \uade0\ud615 \uc788\uac8c \uace0\ub824\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \ubaa9\ud45c\ub294 \ub9e4\uc6d4 \ud639\uc740 \ubd84\uae30\ubcc4 \uc2e4\ud589 \uacc4\ud68d\uc744 \ud3ec\ud568\ud558\uba70, \uc774\ub294 \uac1c\uc778\uc758 \uc0dd\ud65c \ud328\ud134\uc5d0 \ub9de\ucdb0 \uc870\uc808\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\uc6d4 \uae09\uc5ec\uc77c\uc5d0 \ub9de\ucd98 \uc800\ucd95 \ubc0f \ud22c\uc790 \uc2e4\ud589 \uacc4\ud68d\uc740 \uafb8\uc900\ud55c \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \uae30\uc5ec\ud558\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc7a5\uae30 \ubaa9\ud45c\ub294 \uc778\uc0dd \uacc4\ud68d \uc804\ubc18\uc5d0 \uac78\uccd0 \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uba70, \uc774\ub294 \uac00\uc871 \uad6c\uc131, \uc8fc\ud0dd \ub9c8\ub828, \uc740\ud1f4 \uacc4\ud68d \ub4f1 \uc778\uc0dd \uc804\ubc18\uc758 \ubb38\uc81c\uc640 \ub9de\ubb3c\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc544\ud649 \ubc88\uc9f8\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc124\uc815\ud558\uace0 \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc8fc\ubcc0\uc758 \uc870\uc5b8\uacfc \uc815\ubcf4\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc7ac\ubb34 \uc0c1\ub2f4 \uc804\ubb38\uac00, \uc7ac\ubb34 \uc124\uacc4\uc0ac \ub4f1\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc544 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubaa9\ud45c\ub97c \uac1d\uad00\uc801\uc73c\ub85c \uac80\ud1a0\ud558\ub294 \uacfc\uc815\uc744 \uac70\uce58\uba74, \uacc4\ud68d \uc218\ub9bd\uc758 \uc815\ud655\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ubb38\uac00\ub4e4\uc758 \uc870\uc5b8\uc740 \ub2e8\uc21c\ud55c \uc774\ub860\uc744 \ub118\uc5b4 \uc2e4\uc81c \uc0dd\ud65c\uc5d0 \uc801\uc6a9 \uac00\ub2a5\ud55c \uc804\ub7b5\uc744 \uc81c\uc2dc\ud568\uc73c\ub85c\uc368 \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n\uc5f4 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc740 \ub2e8\uae30\uac04\uc5d0 \uc644\uc131\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uac1c\uc120\uc758 \uacfc\uc815\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc138\ubd84\ud654\ud558\uc5ec \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc744 \ub9c8\ub828\ud558\uace0, \uc8fc\uae30\uc801\uc73c\ub85c \ubaa9\ud45c \uc9c4\ud589 \uc0c1\ud669\uc744 \uc810\uac80\ud558\uba70 \uc218\uc815\ud574 \ub098\uac00\ub294 \uacfc\uc815\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ubbf8\ub798 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \ubc18\ub4dc\uc2dc \ud544\uc694\ud55c \uc808\ucc28\uc785\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uccb4\uacc4\uc801\uc774\uace0 \uacc4\ud68d\uc801\uc778 \uc811\uadfc\uc740 \ub2e8\uc21c\ud55c \uc800\ucd95 \uc774\uc0c1\uc758 \ud6a8\uacfc\ub97c \ub098\ud0c0\ub0b4\uc5b4, \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uae30\ubc18 \uc704\uc5d0\uc11c \ub2e4\uc591\ud55c \uc778\uc0dd \uacc4\ud68d\uc744 \uc2e4\ud604\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n\uacb0\ub860\uc801\uc73c\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \uae30\ubcf8 \uc6d0\ub9ac\uc640 \uc911\uc694\uc131\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uacbd\uc81c\uc801 \uc548\uc815\uacfc \uc790\ub9bd\uc744 \uc774\ub8e8\uae30 \uc704\ud55c \ucd08\uc11d\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc774\uace0 \ud604\uc2e4\uc801\uc778 \ubaa9\ud45c \uc218\ub9bd, \ucca0\uc800\ud55c \uc790\uc0b0 \ubc0f \ubd80\ucc44 \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc8fc\uae30\uc801\uc778 \uc810\uac80\uacfc \uc218\uc815 \uacfc\uc815\uc744 \ud1b5\ud574 \ub204\uad6c\ub098 \uc790\uc2e0\uc758 \uc7ac\ubb34\uc801 \ubbf8\ub798\ub97c \uc124\uacc4\ud558\uace0 \uc2e4\ud604\ud574 \ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \ud544\uc694\ud55c \uad6c\uccb4\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \uad00\ub9ac \uc804\ub7b5\uc5d0 \ub300\ud574 \uc2ec\uce35 \ubd84\uc11d\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ed%9a%a8%ea%b3%bc%ec%a0%81%ec%9d%b8-%ec%98%88%ec%82%b0-%ec%88%98%eb%a6%bd%ea%b3%bc-%ec%86%8c%eb%b9%84-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-grBUQQTgqF\">\ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \uad00\ub9ac \uc804\ub7b5<\/h2>\n\ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc7ac\uc815 \uac74\uc804\uc131\uc744 \uc720\uc9c0\ud558\uace0 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uc788\uc5b4 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc608\uc0b0 \uc218\ub9bd\uc740 \ub2e8\uc21c\ud788 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uae30\ub85d\ud558\ub294 \uac83\uc744 \ub118\uc5b4, \ubbf8\ub798\uc5d0 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ubd88\ud655\uc2e4\ud55c \ube44\uc6a9\uae4c\uc9c0 \uace0\ub824\ud55c \uc885\ud569\uc801\uc778 \uc7ac\ubb34 \ud50c\ub79c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc608\uc0b0 \uc218\ub9bd\uc758 \uccab \ub2e8\uacc4\ub294 \ud604\uc7ac \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uc815\ud655\ud558\uac8c \ud30c\uc545\ud558\ub294 \uac83\uc73c\ub85c, \uc774\ub294 \uc6d4\uae09, \ubcf4\ub108\uc2a4, \uae30\ud0c0 \uc218\uc785\uacfc \uace0\uc815 \ubc0f \ubcc0\ub3d9 \ube44\uc6a9\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uad6c\ubd84\ud558\ub294 \uc791\uc5c5\uc73c\ub85c \uc2dc\uc791\ub429\ub2c8\ub2e4.<\/p>\n\uccab \ubc88\uc9f8\ub85c, \ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uacc4\ud68d\uc740 \uc77c\uc815 \uae30\uac04 \ub3d9\uc548\uc758 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ubd84\ub958\ud558\ub294 \uac83\uc5d0\uc11c \ucd9c\ubc1c\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc6d4\ubcc4 \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \uc790\uc2e0\uc758 \uc7ac\ubb34 \ud65c\ub3d9\uc744 \uae30\ub85d\ud558\uc5ec \uc9c0\ucd9c \ud328\ud134\uacfc \uc18c\ube44 \uc2b5\uad00\uc744 \ubd84\uc11d\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc9c4\ud589\ud55c \uc124\ubb38 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uc790\uc2e0\uc758 \uc18c\ube44 \ub0b4\uc5ed\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud55c \uc0ac\ub78c\ub4e4\uc740 \uadf8\ub807\uc9c0 \uc54a\uc740 \uc0ac\ub78c\ub4e4\ubcf4\ub2e4 \ud3c9\uade0 25% \uc774\uc0c1 \ub9ce\uc740 \uc800\ucd95\uc561\uc744 \ud655\ubcf4\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n\ub450 \ubc88\uc9f8\ub85c, \uc608\uc0b0 \uc218\ub9bd \uc2dc \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc0dd\ud65c\ube44, \uc8fc\uac70\ube44, \uad50\ud1b5\ube44, \uad50\uc721\ube44\uc640 \uac19\uc740 \ud544\uc218 \uc9c0\ucd9c\uacfc \uc5ec\uac00, \uc1fc\ud551, \uc678\uc2dd \ub4f1 \uc120\ud0dd\uc801 \uc18c\ube44\ub97c \uad6c\ubd84\ud558\uace0, \uc6b0\uc120\uc21c\uc704\uc5d0 \ub530\ub978 \uc608\uc0b0 \ubc30\ubd84\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud544\uc218 \uc9c0\ucd9c \ud56d\ubaa9\uc5d0\ub294 \uc804\uccb4 \uc608\uc0b0\uc758 70~80%\ub97c \ubc30\uc815\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \uad8c\uc7a5\ub418\uba70, \ub0a8\uc740 \uae08\uc561\uc744 \uc800\ucd95 \ubc0f \uc5ec\uac00 \ube44\uc6a9\uc5d0 \ud560\ub2f9\ud558\ub294 \ubc29\uc2dd\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.<\/p>\n\uc138 \ubc88\uc9f8\ub85c, \uc608\uc0b0 \uc218\ub9bd\uc758 \ud575\uc2ec\uc740 \uc18c\ube44 \uad00\ub9ac\uc785\ub2c8\ub2e4. \uac01\uc885 \uc9c0\ucd9c\ub0b4\uc5ed\uc744 \uae30\ub85d\ud558\uace0, \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\ub294 \uc804\ub7b5\uc740 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc18c\ube44 \ud328\ud134\uc758 \ubcc0\ud654\ub97c \ud1b5\ud574 \ub2e8\uae30\uc801 \uc7ac\uc815 \uc555\ubc15\uc744 \uc644\ud654\ud558\uace0, \uc7a5\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc774\ub8f0 \uc218 \uc788\ub2e4\uace0 \uc870\uc5b8\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \ub9e4\uc6d4 \uc18c\ube44 \ub0b4\uc5ed\uc744 \uaf3c\uaf3c\ud558\uac8c \uae30\ub85d\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uad6c\ub3c5 \uc11c\ube44\uc2a4\uc640 \uacfc\uc18c\ube44 \ud56d\ubaa9\uc744 \uc904\uc600\uace0, \uacb0\uacfc\uc801\uc73c\ub85c \uc5f0\uac04 150~200\ub9cc\uc6d0 \uc774\uc0c1\uc758 \uc800\ucd95\uc561\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\ub124 \ubc88\uc9f8\ub85c, \uc608\uc0b0\uc744 \uc218\ub9bd\ud560 \ub54c\ub294 \uae34\uae09 \uc0c1\ud669\uc5d0 \ub300\ube44\ud55c \ube44\uc0c1\uae08 \ub9c8\ub828\ub3c4 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ube44\uc0c1\uae08\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c8\ubcd1, \uc0ac\uace0, \uac11\uc791\uc2a4\ub7f0 \uac00\uc871 \ud589\uc0ac \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud55c \uc790\uae08\uc73c\ub85c, \ubcf4\ud1b5 \uc804\uccb4 \uc800\ucd95\uc561\uc758 3~6\uac1c\uc6d4\uce58 \uae08\uc561\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4. \uc5ec\ub7ec \uc5f0\uad6c\uc5d0\uc11c \ube44\uc0c1\uae08\uc774 \ub9c8\ub828\ub41c \uac00\uad6c\ub294 \uadf8\ub807\uc9c0 \uc54a\uc740 \uac00\uad6c\ubcf4\ub2e4 \uc7ac\ubb34 \uc704\uae30\ub97c \uadf9\ubcf5\ud558\ub294 \ub370 \uc788\uc5b4 40% \uc774\uc0c1\uc758 \uc720\ub9ac\ud568\uc744 \ubcf4\uc778 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f \ubc88\uc9f8\ub85c, \ub2e4\uc591\ud55c \uc18c\ube44 \uad00\ub9ac \ub3c4\uad6c\uc640 \uc571\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8\ud3f0 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ud1b5\ud574 \uc18c\ube44 \ub0b4\uc5ed\uc744 \uc790\ub3d9\uc73c\ub85c \uae30\ub85d\ud558\uace0 \uc608\uc0b0\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \ub3c4\uad6c\ub4e4\uc774 \ub9ce\uc774 \uac1c\ubc1c\ub428\uc5d0 \ub530\ub77c, \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ubcf4\ub2e4 \uc190\uc27d\uac8c \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ucd94\uc801\ud558\uace0 \uc608\uc0b0\uc744 \uc870\uc815\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub4e4\uc740 \uc2e4\uc2dc\uac04 \uc7ac\ubb34 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uba70, \uacfc\ub3c4\ud55c \uc18c\ube44 \ud328\ud134\uc744 \ubc1c\uacac\ud560 \uacbd\uc6b0 \uc54c\ub9bc \uae30\ub2a5\uc744 \ud1b5\ud574 \uacbd\uace0\ub97c \uc90c\uc73c\ub85c\uc368 \uc18c\ube44 \uc2b5\uad00\uc744 \uac1c\uc120\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f \ubc88\uc9f8\ub85c, \ud6a8\uacfc\uc801\uc778 \uc18c\ube44 \uad00\ub9ac\uc5d0\ub294 \uac00\uc871 \ubc0f \uce5c\uad6c\ub4e4 \uac04\uc758 \uc7ac\uc815 \uc815\ubcf4 \uacf5\uc720\uc640 \ud53c\ub4dc\ubc31\uc774 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ub3d9\ub8cc\ub098 \uc120\ubc30\ub4e4\uacfc\uc758 \uc7ac\ubb34 \uc0c1\ub2f4, \uc18c\ube44 \ud328\ud134\uc5d0 \ub300\ud55c \uc758\uacac \uad50\ud658 \ub4f1\uc774 \uc7ac\uc815 \uad00\ub9ac\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4\ub294 \uc5ec\ub7ec \uc0ac\ub840 \uc5f0\uad6c\uac00 \ubcf4\uace0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc774\ub7ec\ud55c \ub124\ud2b8\uc6cc\ud0b9 \uae30\ud68c\ub97c \ud1b5\ud574 \uc790\uc2e0\uc758 \uc18c\ube44 \uc2b5\uad00\uc744 \uac1c\uc120\ud558\uace0, \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc778 \uc608\uc0b0 \uacc4\ud68d\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1 \ubc88\uc9f8\ub85c, \uc18c\ube44 \uad00\ub9ac\ub97c \uc704\ud55c \ub2e4\uc591\ud55c \uae30\ubc95 \uc911 \ud558\ub098\ub294 \u2018\ud604\uae08 \uc0ac\uc6a9\ubc95\u2019\uc785\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc744 \uc904\uc774\uace0, \uc2e4\uc81c \ud604\uae08\uc744 \uc0ac\uc6a9\ud568\uc73c\ub85c\uc368 \uc790\uc2e0\uc758 \uc18c\ube44\ub97c \ub354\uc6b1 \uc758\uc2dd\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc6d4\ubcc4 \uc608\uc0b0 \uad00\ub9ac\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub610\ud55c, \ud604\uae08 \uc0ac\uc6a9\uc740 \uc18c\ube44 \ud6c4 \uc989\uac01\uc801\uc73c\ub85c \uc794\uc561\uc744 \ud655\uc778\ud568\uc73c\ub85c\uc368 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \ubc29\uc9c0\ud558\ub294 \ud6a8\uacfc\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f \ubc88\uc9f8\ub85c, \ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \uad00\ub9ac\ub294 \ub2e8\uae30\uc801 \uacc4\ud68d \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc7a5\uae30\uc801 \uc7ac\ubb34 \ubaa9\ud45c\uc640\uc758 \uc5f0\uacc4\uac00 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud55c \uc18c\ube44 \uc870\uc808\uc744 \ub118\uc5b4\uc11c, \ubbf8\ub798\uc758 \ud070 \ubaa9\ud45c\ub97c \uc774\ub8e8\uae30 \uc704\ud55c \ud22c\uc790 \uc790\uae08 \ub9c8\ub828\uacfc \uac19\uc740 \uc804\ub7b5\uc801 \uc18c\ube44 \uad00\ub9ac\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc608\uc0b0 \ub0b4 \uc18c\ube44\ub97c \uc5c4\uaca9\ud788 \ud1b5\uc81c\ud568\uacfc \ub3d9\uc2dc\uc5d0, \ub0a8\uc740 \uc790\uae08\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ud22c\uc790\ud558\ub294 \ubc29\uc548\uc744 \uac15\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd \ubc0f \uc7ac\uc815 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc544\ud649 \ubc88\uc9f8\ub85c, \ud6a8\uacfc\uc801\uc778 \uc18c\ube44 \uad00\ub9ac\ub294 \uc758\uc2dd\uc801\uc778 \uc790\uae30 \ud1b5\uc81c\uc640 \ud568\uaed8 \uafb8\uc900\ud55c \ubaa8\ub2c8\ud130\ub9c1\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc18c\ube44 \ub0b4\uc5ed\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0, \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c \ud56d\ubaa9\uc744 \uc7ac\uc815\uc758\ud558\ub294 \uacfc\uc815\uc744 \ud1b5\ud574 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uc131\uacf5 \uc0ac\ub840\uc5d0\uc11c \ub098\ud0c0\ub09c \ubc14\uc640 \uac19\uc774, \uc18c\ube44 \uad00\ub9ac\uc5d0 \uc5c4\uaca9\ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc5ec \ubaa9\ud45c \uc800\ucd95\uc561\uc744 \ub2ec\uc131\ud558\ub294 \ub370 \uc131\uacf5\ud558\uc600\uc73c\uba70, \uc774\ub294 \uc7ac\ubb34 \uc124\uacc4 \uc804\ubb38\uac00\ub4e4\uc5d0\uac8c\ub3c4 \uac15\ub825\ud788 \ucd94\ucc9c\ub418\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n\uc5f4 \ubc88\uc9f8\ub85c, \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \uad00\ub9ac\ub294 \ub2e8\uc21c\ud55c \uac1c\uc778\uc758 \ub178\ub825\ubfd0 \uc544\ub2c8\ub77c, \uc815\ubd80 \ubc0f \uae08\uc735 \uae30\uad00\uc5d0\uc11c\ub3c4 \ub2e4\uc591\ud55c \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\ubd80 \uae08\uc735 \uae30\uad00\uc5d0\uc11c\ub294 \uccad\ub144\uce35\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \ub9de\ucda4\ud615 \uc7ac\ubb34 \uad50\uc721 \uc6cc\ud06c\uc20d\uacfc \uc18c\ube44 \uad00\ub9ac \uc138\ubbf8\ub098, \ubaa8\ubc14\uc77c \uc571 \uc9c0\uc6d0 \uc11c\ube44\uc2a4\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ud504\ub85c\uadf8\ub7a8\ub4e4\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\ub97c \uc2e4\ud589\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5f4\ud55c \ubc88\uc9f8\ub85c, \uc608\uc0b0 \uc218\ub9bd \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc5b4\ub824\uc6c0\uacfc \uc2dc\ud589\ucc29\uc624\ub294 \uc131\uacf5\uc801\uc778 \uc18c\ube44 \uad00\ub9ac\uc758 \ud544\uc218 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc5ec\ub7ec \uc804\ubb38\uac00\ub4e4\uc740 \uc608\uc0b0 \uacc4\ud68d\uc744 \uc2dc\uc791\ud558\ub294 \ub2e8\uacc4\uc5d0\uc11c\ub294 \uc2e4\ud328\uc640 \uc2dc\ud589\ucc29\uc624\ub97c \uacaa\ub294 \uac83\uc774 \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \uacfc\uc815\uc774\ub77c\uace0 \uc870\uc5b8\ud569\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc774\ub7ec\ud55c \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud558\uace0 \ubcf4\uc644\ud558\ub294 \ud0dc\ub3c4\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ucd08\uae30\uc758 \ubd80\uc871\ud568\uc744 \ub450\ub824\uc6cc\ud558\uae30\ubcf4\ub2e4, \uc774\ub97c \ud559\uc2b5\uc758 \uae30\ud68c\ub85c \uc0bc\uc544 \uc7ac\uc815 \uad00\ub9ac\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\ub97c \ub192\uc784\uc73c\ub85c\uc368 \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud6a8\uacfc\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \uad00\ub9ac\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ud55c \uac78\uc74c \ub354 \uac00\uae4c\uc6cc\uc9c0\uac8c \ud558\ub294 \uc911\uc694\ud55c \uc804\ub7b5\uc785\ub2c8\ub2e4. \ucca0\uc800\ud55c \uc7ac\ubb34 \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \uc608\uc0b0 \uacc4\ud68d, \ubd88\ud544\uc694\ud55c \uc18c\ube44 \uc0ad\uc81c, \ube44\uc0c1\uae08 \ub9c8\ub828 \ubc0f \ucd5c\uc2e0 \uae08\uc735 \ub3c4\uad6c\uc758 \ud65c\uc6a9\uc740 \ub2e8\uae30\uc640 \uc7a5\uae30 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub3d9\uc2dc\uc5d0 \ub2ec\uc131\ud560 \uc218 \uc788\uac8c \ud558\ub294 \ub4e0\ub4e0\ud55c \uae30\ubc18\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uae09\ubcc0\ud558\ub294 \uacbd\uc81c \ud658\uacbd \uc18d\uc5d0\uc11c\ub3c4 \uccb4\uacc4\uc801\uc774\uace0 \uacc4\ud68d\uc801\uc778 \uc18c\ube44 \uad00\ub9ac\ub97c \uc2e4\ucc9c\ud558\uba70, \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \ubbf8\ub798\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uacb0\ub860\uc801\uc73c\ub85c, \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \uad00\ub9ac \uc804\ub7b5\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uc788\uc5b4 \uac00\uc7a5 \uae30\ubcf8\uc774 \ub418\ub294 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc9c0\uc18d\uc801\uc778 \uc810\uac80\uacfc \uac1c\uc120, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \uae30\uc220\uc758 \uc801\uadf9\uc801 \ud65c\uc6a9\uc740 \ud6a8\uc728\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\uc5d0 \uae30\uc5ec\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uc7a5\uae30\uc801\uc778 \uae08\uc735 \uc548\uc815\uc131\uacfc \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc774\ub8f0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc5d0 \ub300\ud574 \uad6c\uccb4\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ed%88%ac%ec%9e%90-%eb%b0%8f-%ec%a0%80%ec%b6%95-%ec%a0%84%eb%9e%b5-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%95%88%ec%a0%84%ed%95%9c-%ec%84%a0%ed%83%9d-grBUQQTgqF\">\ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5: \uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc548\uc804\ud55c \uc120\ud0dd<\/h2>\n\uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc2e4\ud604\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub2e8\uc21c\ud55c \uc800\ucd95 \ubc29\ubc95\ub9cc\uc774 \uc544\ub2c8\ub77c, \uccb4\uacc4\uc801\uc774\uace0 \uc804\ub7b5\uc801\uc778 \ud22c\uc790\ub97c \ubcd1\ud589\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc740 \ub2e8\uae30\uc801\uc778 \uae08\uc735 \uc548\uc815\uc131\uc744 \ub118\uc5b4\uc11c \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \ub3c5\ub9bd\ub41c \uacbd\uc81c \uae30\ubc18 \ub9c8\ub828\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc99d\ub300\ub418\ub294 \uac00\uc6b4\ub370, \uc548\uc804\ud558\uba74\uc11c\ub3c4 \ud6a8\uacfc\uc801\uc778 \ud22c\uc790 \ubc29\ubc95\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uccab \ubc88\uc9f8\ub85c, \ud22c\uc790\uc5d0 \uc785\ubb38\ud558\uae30 \uc804\uc5d0\ub294 \uba3c\uc800 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\uc640 \ud22c\uc790 \ubaa9\uc801\uc744 \uba85\ud655\ud788 \ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uae08\uc735 \uc9c0\uc2dd \uc2b5\ub4dd\uacfc \ud568\uaed8 \ud22c\uc790 \uc704\ud5d8\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ud3c9\uac00\ud558\uc5ec, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\ubd80 \uc5f0\uad6c\uc5d0\uc11c\ub294 \ucd08\uae30 \ud22c\uc790 \ub2e8\uacc4\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \ubcc0\ub3d9\uc131\uc744 \ubcf4\uc774\ub294 \ucc44\uad8c, \uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc(ETF) \ub4f1\uc744 \ud65c\uc6a9\ud55c \ud22c\uc790\uac00 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc758 \ucd9c\ubc1c\uc810\uc73c\ub85c \uad8c\uc7a5\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub450 \ubc88\uc9f8\ub85c, \uc800\ucd95\uacfc \ud22c\uc790\ub294 \uc11c\ub85c \ubcf4\uc644\uc801\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790\uc640 \uc800\ucd95\uc740 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubd88\ub9ac\ub294 \uc218\ub2e8\uc774 \uc544\ub2c8\ub77c, \ubbf8\ub798\uc758 \uacbd\uc81c\uc801 \ubd88\ud655\uc2e4\uc131\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uc801 \uc790\uc0b0 \uad00\ub9ac \ub3c4\uad6c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\uace0, \uc18c\uc561 \ud22c\uc790 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3c4\ubaa8\ud558\ub294 \ubc29\uc2dd\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788, \ucd5c\uadfc\uc758 \ub514\uc9c0\ud138 \uae08\uc735 \ud50c\ub7ab\ud3fc\uc740 \uc18c\uc561 \ud22c\uc790\uc640 \ubd84\uc0b0 \ud22c\uc790\ub97c \ubcf4\ub2e4 \uc6d0\ud65c\ud558\uac8c \uc2e4\ucc9c\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc138 \ubc88\uc9f8\ub85c, \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub2e4\uac01\ud654\ub294 \ud22c\uc790 \uc704\ud5d8\uc744 \uc904\uc774\ub294 \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4. \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\uac01\ud654\ub97c \ud1b5\ud574 \ud55c \uac00\uc9c0 \uc790\uc0b0\uad70\uc774\ub098 \ud2b9\uc815 \uae08\uc735 \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc704\ud5d8\uc744 \uc644\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uad6d\ub0b4 \uc8fc\uc2dd, \ud574\uc678 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ub2e8\uae30\uc801 \uc2dc\uc7a5 \ubcc0\ub3d9\uc73c\ub85c\ubd80\ud130 \uc790\uc2e0\uc744 \ubcf4\ud638\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c(SEC)\uc640 \uac19\uc774 \uad8c\uc704 \uc788\ub294 \uae30\uad00\ub4e4\uc740 \ubd84\uc0b0 \ud22c\uc790\ub97c \uac15\ub825\ud788 \uad8c\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ud22c\uc790 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\ub124 \ubc88\uc9f8\ub85c, \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \ub54c\ub294 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc758 \ud22c\uc790 \ud50c\ub79c\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc989\uac01\uc801\uc778 \uc218\uc775\uc5d0 \uc9d1\ucc29\ud558\uae30\ubcf4\ub2e4, \ubbf8\ub798\uc758 \ubcf5\ub9ac \ud6a8\uacfc\uc640 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uace0\ub824\ud558\uc5ec \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc815\uae30\uc801\uc73c\ub85c \uc77c\uc815 \uae08\uc561\uc744 \ud22c\uc790\ud558\ub294 \u2018dollar cost averaging\u2019(\ud3c9\uade0 \ub2e8\uac00\ubc95) \uc804\ub7b5\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5\uc758 \uc0c1\uc2b9\uacfc \ud558\ub77d\uc744 \uace0\ub974\uac8c \ubc18\uc601\ud558\uc5ec \ud22c\uc790 \uc704\ud5d8\uc744 \uc904\uc774\ub294 \ub370 \ud6a8\uacfc\uc801\uc778 \uc804\ub7b5\uc73c\ub85c \ud3c9\uac00\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f \ubc88\uc9f8\ub85c, \uc548\uc815\uc801\uc778 \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc744 \uc2e4\ud589\ud558\uae30 \uc704\ud574\uc11c\ub294 \ucd5c\uc2e0 \uae08\uc735 \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \uacbd\uc81c \uc9c0\ud45c\uc5d0 \ub300\ud55c \uc8fc\uae30\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uacbd\uc81c \uc131\uc7a5\ub960, \uae08\ub9ac, \ubb3c\uac00 \uc0c1\uc2b9\ub960 \ub4f1 \ub2e4\uc591\ud55c \uacbd\uc81c \uc9c0\ud45c\ub97c \uc885\ud569\uc801\uc73c\ub85c \ubd84\uc11d\ud568\uc73c\ub85c\uc368, \ud22c\uc790 \uacb0\uc815\uc5d0 \uc788\uc5b4\uc11c \ubcf4\ub2e4 \uac1d\uad00\uc801\uc778 \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc815\uae30\uc801\uc778 \uacbd\uc81c \ub9ac\ud3ec\ud2b8\uc640 \uad6d\ub0b4\uc678 \uae08\uc735 \ub274\uc2a4\ub97c \ud1b5\ud574 \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud560 \uac83\uc744 \uad8c\uc7a5\ud558\uba70, \uc774\ub294 \ud22c\uc790 \uc704\ud5d8\uc744 \ubbf8\uc5f0\uc5d0 \ubc29\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f \ubc88\uc9f8\ub85c, \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\ub294 \uac10\uc815\uc801 \ud310\ub2e8\uc744 \ubc30\uc81c\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc2dc\uc7a5\uc740 \uc885\uc885 \ubd88\ud655\uc2e4\uc131\uacfc \ubcc0\ub3d9\uc131\uc73c\ub85c \uac00\ub4dd \ucc28 \uc788\uc73c\uba70, \uc798\ubabb\ub41c \uac10\uc815 \ud310\ub2e8\uc740 \ubd88\ud544\uc694\ud55c \uc190\uc2e4\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0 \uac1d\uad00\uc801\uc778 \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uc2b5\uad00\uc744 \uae30\ub974\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uae08\uc735 \uc804\ubb38\uac00 A\uc528\ub294 \u201c\ud22c\uc790\ud560 \ub54c\ub9c8\ub2e4 \uac10\uc815\uc744 \ubc30\uc81c\ud558\uace0 \ud56d\uc0c1 \uc22b\uc790\uc640 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc131\uacf5\ud558\ub294 \ube44\uacb0\u201d\uc774\ub77c\uace0 \uac15\uc870\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1 \ubc88\uc9f8\ub85c, \ud22c\uc790\uc640 \uc800\ucd95\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uae30 \uc704\ud574\uc11c\ub294 \uad00\ub828 \ub3c4\uad6c\uc640 \uc18c\ud504\ud2b8\uc6e8\uc5b4\uc758 \ud65c\uc6a9\uc774 \ud06c\uac8c \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2a4\ub9c8\ud2b8\ud3f0 \uc571\uacfc PC \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \uc131\uacfc \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc704\ud5d8 \ud3c9\uac00\ub97c \uc790\ub3d9\ud654\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ubcf4\ub2e4 \uc190\uc27d\uac8c \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uad00\ub9ac\ub97c \ud560 \uc218 \uc788\uac8c \ud574\uc90d\ub2c8\ub2e4. \ud2b9\ud788, \ucd5c\uadfc \uc778\uacf5\uc9c0\ub2a5(AI) \uae30\ubc18 \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800 \uc11c\ube44\uc2a4\ub294 \uac1c\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ucd98 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uc744 \uc81c\uacf5\ud558\uc5ec, \uace0\uc561 \ud22c\uc790\uc790\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4 \ud6a8\uc728\uc801\uc778 \uae08\uc735 \uad00\ub9ac\ub97c \uc2e4\ud604\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc120\ud0dd\ud560 \uc218 \uc788\ub294 \ud22c\uc790 \uc635\uc158\uc5d0\ub294 \ub2e4\uc591\ud55c \uac83\ub4e4\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uad6d\ub0b4 \uc99d\uc2dc, \ud574\uc678 \uc8fc\uc2dd, \ucc44\uad8c, \uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc(ETF) \ub4f1 \uac01 \uc0c1\ud488\ub9c8\ub2e4 \ud2b9\uc131\uc774 \ub2e4\ub974\ubbc0\ub85c, \uc790\uc2e0\uc5d0\uac8c \uc801\ud569\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc138\ubc00\ud55c \ube44\uad50\uc640 \ubd84\uc11d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc\uc5d0\ub294 \uc800\ube44\uc6a9 \uae00\ub85c\ubc8c ETF\uac00 \uc778\uae30\ub97c \ub04c\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \ud569\ub9ac\uc801\uc778 \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud22c\uc790 \uc0c1\ud488 \uc120\ud0dd \uc2dc \uac01 \uae08\uc735 \uc0c1\ud488\uc758 \uc218\uc218\ub8cc, \ub9ac\uc2a4\ud06c, \uc608\uc0c1 \uc218\uc775\ub960 \ub4f1\uc744 \uaf3c\uaf3c\ud558\uac8c \uac80\ud1a0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\uc544\ud649 \ubc88\uc9f8\ub85c, \uc800\ucd95 \uc804\ub7b5\ub3c4 \ub2e8\uc21c\ud55c \uae08\uc561 \ucd95\uc801\uc744 \ub118\uc5b4\uc11c, \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uacfc \uacb0\ud569\ud558\uc5ec \ud6a8\uc728\uc131\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc815\uae30\uc608\uae08, \uc801\uae08, \ubcf4\ud5d8, \uc5f0\uae08 \ub4f1 \ub2e4\uc591\ud55c \uc800\ucd95 \uc218\ub2e8\uc744 \ubcf5\ud569\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74, \ub2e8\uae30 \uc18c\ub4dd \uc548\uc815\uacfc \ub3d9\uc2dc\uc5d0 \uc7a5\uae30\uc801 \uc7ac\uc0b0 \uc99d\uc2dd\uc744 \ub3d9\uc2dc\uc5d0 \ub3c4\ubaa8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc744 \uc815\uae30\uc608\uae08\uc73c\ub85c \uc800\ucd95\ud558\ub294 \ub3d9\uc2dc\uc5d0, \uc18c\uc561 \ud22c\uc790 \uc0c1\ud488\uc5d0\ub3c4 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec, \ub450 \uac00\uc9c0 \uc804\ub7b5\uc744 \ubcd1\ud589\ud568\uc73c\ub85c\uc368 \ub2e4\uc591\ud55c \uacbd\uc81c \uc0c1\ud669\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5f4 \ubc88\uc9f8\ub85c, \ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5\uc758 \uc131\uacf5\uc740 \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uc2dc\uc7a5 \ubd84\uc11d\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uba70, \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uae30\ud68c\uc640 \uc704\ud5d8 \uc694\uc18c\ub4e4\uc774 \ub4f1\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ub2e4\uc591\ud55c \uae08\uc735 \uc11c\uc801, \uc628\ub77c\uc778 \uc138\ubbf8\ub098, \uc804\ubb38\uac00 \uc778\ud130\ubdf0 \ub4f1\uc744 \ud1b5\ud574 \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc804\ub7b5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uc740 \ub2e8\uae30\uc801\uc778 \uc131\uacf5\uc744 \ub118\uc5b4, \uc7a5\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd\uacfc \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uacb0\uc815\uc801\uc778 \uae30\uc5ec\ub97c \ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\uc5f4\ud55c \ubc88\uc9f8\ub85c, \ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5\uc744 \uc2e4\ud589\ud568\uc5d0 \uc788\uc5b4 \uc815\ubd80 \ubc0f \uae08\uc735 \uae30\uad00\uc758 \uc9c0\uc6d0 \uc815\ucc45\uacfc \ud61c\ud0dd \ub610\ud55c \uc8fc\ubaa9\ud560 \ub9cc\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc815\ubd80\ub294 \uccad\ub144\uce35 \ub300\uc0c1\uc73c\ub85c \ub2e4\uc591\ud55c \uae08\uc735 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8\uacfc \uc138\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc790\uc0b0 \ud615\uc131\uc758 \ucd08\uae30 \ub2e8\uacc4\uc5d0\uc11c \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc774\ub7ec\ud55c \uc9c0\uc6d0 \uc81c\ub3c4\ub97c \ud65c\uc6a9\ud558\uc5ec \ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5\uc744 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \uc2e4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uacb0\ub860\uc801\uc73c\ub85c, \ud22c\uc790 \ubc0f \uc800\ucd95 \uc804\ub7b5\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uace0, \uc548\uc815\ub41c \uacbd\uc81c \uae30\ubc18\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \uc788\uc5b4\uc11c \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc548\uc815\uc131\uacfc \uc218\uc775\uc131\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131, \uac10\uc815\uc801 \ud310\ub2e8 \ubc30\uc81c, \ucd5c\uc2e0 \uae08\uc735 \ub3c4\uad6c \ud65c\uc6a9 \ubc0f \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uc740 \ud22c\uc790 \uc131\uacf5\uc758 \uc911\uc694\ud55c \uc694\uc778\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\ub4e4\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc2dc\ud589\ud568\uc73c\ub85c\uc368, \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ubd88\ud655\uc2e4\ud55c \uc2dc\ub300\uc5d0\ub3c4 \uc548\uc815\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc99d\uc2dd\uc2dc\ud0a4\uace0, \ubbf8\ub798\uc758 \uafc8\uc744 \uc2e4\ud604\ud558\ub294 \ub370 \ud55c\uac78\uc74c \ub354 \ub2e4\uac00\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc544\ub798\ub294 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc5d0 \ub300\ud55c \uc608\uc2dc \ucf54\ub4dc\uc785\ub2c8\ub2e4. \uc774 \ucf54\ub4dc\ub294 Python \uc5b8\uc5b4\ub97c \ud65c\uc6a9\ud558\uc5ec \uac04\ub2e8\ud55c \ud22c\uc790 \ube44\uc728\uc744 \uacc4\uc0b0\ud558\ub294 \uc608\uc81c\uc785\ub2c8\ub2e4.<\/p>\n<pre><code>import numpy as np\n\n# \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \ube44\uc728 \uc608\uc81c\nassets = ['\uc8fc\uc2dd', '\ucc44\uad8c', 'ETF']\npercentages = np.array([50, 30, 20]) # \ud22c\uc790 \ube44\uc728\n\ndef calculate_investment(total_amount, percentages):\n allocation = {}\n for asset, percentage in zip(assets, percentages):\n allocation[asset] = total_amount * (percentage \/ 100)\n return allocation\n\ntotal_investment = 10000000 # \ucd1d \ud22c\uc790\uae08\uc561 10\ubc31\ub9cc\uc6d0\ninvestment_allocation = calculate_investment(total_investment, percentages)\nprint(\"\ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubc30\ubd84:\", investment_allocation)\n<\/code><\/pre>\n\uc704\uc758 \uac04\ub2e8\ud55c \ucf54\ub4dc\ub97c \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \ube44\uc728\uc744 \uc124\uc815\ud558\uace0, \ud22c\uc790 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \ucc38\uace0\ud560 \uc218 \uc788\uc73c\uba70, \ub2e4\uc591\ud55c \ubcc0\uc218 \uc870\uc815\uc744 \ud1b5\ud574 \ubcf4\ub2e4 \ub9de\ucda4\ud654\ub41c \ud22c\uc790 \uc804\ub7b5\uc744 \ubaa8\uc0c9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc740 \ub2e8\uae30\uc801\uc778 \uae08\uc735 \ubaa9\ud45c\ub97c \ub118\uc5b4 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \uc788\uc5b4 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \uc811\uadfc\uacfc \uafb8\uc900\ud55c \uc2e4\ud589, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \uae08\uc735 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc774\ub8e9\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0\ub3c4 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\uba70, \uc7ac\uc815\uc801 \uc790\uc720\ub97c \ud5a5\ud55c \uccab \uac78\uc74c\uc744 \ub0b4\ub51b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uacb0\ub860\uc801\uc73c\ub85c, \ud22c\uc790\uc640 \uc800\ucd95 \uc804\ub7b5\uc740 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud574 \ud544\uc218\uc801\uc778 \uc694\uc18c\ub85c, \ubcf8 \uc139\uc158\uc5d0\uc11c \uc81c\uc2dc\ud55c \ub2e4\uc591\ud55c \ubc29\ubc95\ub860\uacfc \uc2e4\uc81c \uc0ac\ub840\ub4e4\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc790\uc0b0 \uc99d\uc2dd\uacfc \uacbd\uc81c\uc801 \uc548\uc815\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \uc904 \uac83\uc785\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\uc640 \uac19\uc774 \uc218\ub9bd\ub41c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \uad6c\uccb4\uc801\uc73c\ub85c \uc2e4\ucc9c\ud560 \uc218 \uc788\ub294 \ubc29\uc548\uacfc \uc9c0\uc18d \uac00\ub2a5\ud55c \uad00\ub9ac \uc804\ub7b5\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ec%9e%ac%eb%ac%b4-%eb%aa%a9%ed%91%9c-%eb%8b%ac%ec%84%b1%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%8b%a4%ec%b2%9c-%eb%b0%a9%ec%95%88%ea%b3%bc-%ec%a7%80%ec%86%8d-%ea%b0%80%eb%8a%a5%ed%95%9c-%ea%b4%80%eb%a6%ac-grBUQQTgqF\">\uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc2e4\ucc9c \ubc29\uc548\uacfc \uc9c0\uc18d \uac00\ub2a5\ud55c \uad00\ub9ac<\/h2>\n\uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc2e4\ucc9c \ubc29\uc548\uc740 \ub2e8\uc21c\ud55c \uacc4\ud68d \uc218\ub9bd\uc744 \ub118\uc5b4, \ub9e4\uc77c\uc758 \uc2e4\ud589\uacfc \uafb8\uc900\ud55c \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc8fc\uae30\uc801\uc778 \uc810\uac80\uc744 \ud1b5\ud574 \uc2e4\ud604\ub429\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc131\uacf5\uc801\uc73c\ub85c \uc2e4\ud589\ud558\uae30 \uc704\ud574, \uad6c\uccb4\uc801\uc778 \ud589\ub3d9 \uacc4\ud68d\uacfc \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc740 \ub2e8\uae30\uc801\uc778 \ubaa9\ud45c \ub2ec\uc131\uacfc \ub3d9\uc2dc\uc5d0 \uc7a5\uae30\uc801\uc778 \uae08\uc735 \uc548\uc815\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ub3c4\ubaa8\ud560 \uc218 \uc788\ub294 \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n\uccab \ubc88\uc9f8\ub85c, \uccb4\uacc4\uc801\uc778 \uc2e4\ucc9c \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\uae30 \uc704\ud574\uc11c\ub294 \uad6c\uccb4\uc801\uc778 \ubaa9\ud45c\uc640 \uc2e4\ud589 \uc77c\uc815\uc744 \uba85\ud655\ud788 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ub9e4\uc6d4, \ubd84\uae30\ubcc4, \uc5f0\ub3c4\ubcc4 \ubaa9\ud45c\ub97c \uc218\ub9bd\ud558\uace0, \uadf8\uc5d0 \ub530\ub978 \uc2e4\ud589 \uc804\ub7b5\uc744 \uad6c\uccb4\ud654\ud568\uc73c\ub85c\uc368 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \ub9e4\uc6d4 \uc800\ucd95\uc561, \ud22c\uc790 \uc2e4\ud589 \uc5ec\ubd80, \uc18c\ube44 \ud328\ud134 \ub4f1\uc744 \uc218\uae30\ub85c \ud639\uc740 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud574 \uae30\ub85d\ud558\ub294 \uc2b5\uad00\uc740 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc758 \uc911\uc694\ud55c \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\ub450 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc790\uae30 \uad00\ub9ac\uc640 \uc2dc\uac04 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uc744 \uc778\uc2dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ub9e4\uc8fc \ud639\uc740 \ub9e4\uc6d4 \uc77c\uc815\ud55c \uc2dc\uac04\uc744 \ud560\uc560\ud574 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \ud544\uc694\ud55c \uc870\uc815\uc744 \uc2e4\uc2dc\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc8fc\uae30\uc801\uc778 \uc810\uac80\uacfc \ud53c\ub4dc\ubc31 \uacfc\uc815\uc740 \uc7ac\ubb34 \uacc4\ud68d\uc774 \ub2e8\uc21c\ud55c \uad6c\uc0c1\uc774 \uc544\ub2cc, \uc2e4\ud589 \uac00\ub2a5\ud55c \ud604\uc2e4\uc801\uc778 \uc804\ub7b5\uc774 \ub418\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n\uc138 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uc788\uc5b4 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uacfc \ud53c\ub4dc\ubc31\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \ucee8\uc124\ud134\ud2b8, \uc7ac\ubb34 \uc124\uacc4 \uc804\ubb38\uac00 \ub4f1\uc744 \ud1b5\ud574 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc804\ub7b5\uc744 \uc218\uc815\ud558\ub294 \uac83\uc740 \ub300\ub2e4\uc218\uc758 \uc131\uacf5 \uc0ac\ub840\uc5d0\uc11c \uacf5\ud1b5\uc801\uc73c\ub85c \ubc1c\uacac\ub418\ub294 \ud2b9\uc9d5\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \ub9e4\ub144 \uc7ac\ubb34 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\uc744 \uc9c4\ud589\ud558\uc5ec \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc218\uc815\ud55c \uacb0\uacfc, \uc608\uc0c1\uce58 \ubabb\ud55c \uacbd\uc81c\uc801 \uc704\uae30\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\ucc98\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\ub124 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc2e4\ucc9c \ubc29\uc548\uc740 \uac1c\uc778\uc758 \uc0dd\ud65c \ud328\ud134\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc720\uc5f0\ud558\uac8c \ubcc0\ud654\uc2dc\ucf1c \ub098\uac00\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc790\uc2e0\uc758 \uc18c\ube44 \uc2b5\uad00, \ud22c\uc790 \ubaa9\ud45c, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \uc778\uc0dd \uacc4\ud68d\uc744 \uace0\ub824\ud558\uc5ec, \uc720\uc5f0\ud558\uace0 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc2e4\ud589 \uc804\ub7b5\uc744 \uc218\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc0ac\ub840 \uc5f0\uad6c\uc5d0\uc11c\ub294 \ub9e4\uc6d4 \ubc1c\uc0dd\ud558\ub294 \uc18c\uaddc\ubaa8 \uc9c0\ucd9c \ubaa9\ub85d\uc744 \ubbf8\ub9ac \uc791\uc131\ud558\uace0 \ubd88\ud544\uc694\ud55c \ud56d\ubaa9\uc744 \uc81c\uac70\ud568\uc73c\ub85c\uc368, \uc800\ucd95\ub960\uc744 15% \uc774\uc0c1 \uc99d\uac00\uc2dc\ud0a8 \uc0ac\ub840\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f \ubc88\uc9f8\ub85c, \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ubb34 \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \ucd5c\uc2e0 \uae30\uc220\uacfc \ub514\uc9c0\ud138 \ub3c4\uad6c\uc758 \ud65c\uc6a9\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8\ud3f0 \uc571, \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc7ac\ubb34 \uad00\ub9ac \uc18c\ud504\ud2b8\uc6e8\uc5b4, \uc790\ub3d9 \uc774\uccb4 \ubc0f \uc54c\ub9bc \uae30\ub2a5 \ub4f1\uc740 \uc790\uc0b0 \uad00\ub9ac\uc758 \ud6a8\uc728\uc131\uc744 \uadf9\ub300\ud654\ud558\ub294 \ub370 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc \ud55c \uae08\uc735 \uc571\uc5d0\uc11c\ub294 \ub9e4\uc77c \uc800\ub141 \uc18c\ube44 \ub0b4\uc5ed\uc744 \uc815\ub9ac\ud574 \uc8fc\ub294 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uc5ec, \uc0ac\uc6a9\uc790\ub4e4\uc774 \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uc744 \uc989\uac01\uc801\uc73c\ub85c \uc778\uc2dd\ud558\uace0 \uac1c\uc120\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \ub3d9\uae30 \ubd80\uc5ec\uc640 \uc790\uae30 \uad00\ub9ac \uae30\ubc95 \uc5ed\uc2dc \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \ubcf4\uc0c1 \uc2dc\uc2a4\ud15c\uc744 \ub9c8\ub828\ud558\uac70\ub098, \uc2a4\uc2a4\ub85c\uc758 \uc131\ucde8\ub97c \uae30\ub85d\ud558\ub294 \ub2e4\uc774\uc5b4\ub9ac, \ud639\uc740 \ucee4\ubba4\ub2c8\ud2f0 \ud65c\ub3d9 \ub4f1\uc744 \ud1b5\ud574 \uc9c0\uc18d\uc801\uc778 \ub3d9\uae30 \ubd80\uc5ec\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc9c8\uc801\uc778 \uc0ac\ub840\ub85c, \ud55c \uccad\ub144\uc740 \ub9e4\uc6d4 \ubaa9\ud45c \ub2ec\uc131 \uc2dc \uc790\uc2e0\uc5d0\uac8c \uc18c\uc18c\ud55c \ubcf4\uc0c1\uc744 \uc8fc\ub294 \ubc29\uc2dd\uc744 \ub3c4\uc785\ud558\uc5ec, \uc810\uc9c4\uc801\uc73c\ub85c \uc800\ucd95 \ubc0f \ud22c\uc790 \uc2b5\uad00\uc744 \ud655\ub9bd\ud558\ub294 \ub370 \uc131\uacf5\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc678\ubd80\uc758 \ubcc0\ud654\uc5d0\ub3c4 \uc720\uc5f0\ud558\uac8c \ub300\ucc98\ud560 \uc218 \uc788\ub294 \uc7ac\ubb34 \uc804\ub7b5\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4. \uacbd\uc81c \uc0c1\ud669, \uc778\ud50c\ub808\uc774\uc158, \uae08\ub9ac \ubcc0\ub3d9 \ub4f1 \uc678\ubd80 \uc694\uc778\uc758 \uc601\ud5a5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0, \uc774\uc5d0 \ub9de\ucdb0 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc218\uc815\ud558\ub294 \uac83\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \uc704\uae30\ub97c \uc608\ubc29\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc5ec\ub7ec \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uc810\uac80\uacfc \uc870\uc815\uc744 \uc2e4\uc2dc\ud558\ub294 \uac00\uad6c\ub4e4\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \uacbd\uc81c \ucda9\uaca9\uc5d0\ub3c4 \ubcf4\ub2e4 \uc548\uc815\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\uc5c8\ub2e4\uace0 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc2e4\ucc9c \ubc29\uc548\uc740 \ub2e8\uc21c\ud55c \uacc4\ud68d\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc774\ub97c \ub4b7\ubc1b\uce68\ud558\ub294 \uafb8\uc900\ud55c \uc790\uae30 \uacc4\ubc1c\uacfc \ud559\uc2b5\uc744 \ud3ec\ud568\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uad50\uc721, \uc628\ub77c\uc778 \uac15\uc758, \uc7ac\ubb34 \uad00\ub828 \ub3c4\uc11c \ubc0f \uc138\ubbf8\ub098\ub97c \ud1b5\ud574 \uc9c0\uc18d\uc801\uc73c\ub85c \uae08\uc735 \uc9c0\uc2dd\uc744 \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uac83\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ubcc0\ud654\ud558\ub294 \uae08\uc735 \ud658\uacbd\uc5d0\uc11c \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc2dd\uc740 \ub2e8\uae30\uc801\uc778 \ubaa9\ud45c \ub2ec\uc131\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc7a5\uae30\uc801\uc73c\ub85c \ub354\uc6b1 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uae30\ubc18\uc744 \ub9c8\ub828\ud558\ub294 \ub370 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\uc544\ud649 \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc2e4\ucc9c \ubc29\uc548\uc740 \uba85\ud655\ud55c \uc131\uacfc \uc9c0\ud45c\uc640 \ud53c\ub4dc\ubc31 \ub8e8\ud504\ub97c \ud3ec\ud568\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc790\uc2e0\uc774 \uc138\uc6b4 \ubaa9\ud45c\uc5d0 \ub300\ud574 \uc8fc\uae30\uc801\uc778 \uc131\uacfc \ud3c9\uac00\ub97c \uc2e4\uc2dc\ud558\uace0, \ub2ec\uc131 \uc815\ub3c4\uc5d0 \ub530\ub77c \uacc4\ud68d\uc744 \ubcf4\uc644\ud558\uac70\ub098 \uc218\uc815\ud558\ub294 \uccb4\uacc4\ub97c \uac16\ucd94\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\uc6d4 \ud639\uc740 \ub9e4 \ubd84\uae30\ub9c8\ub2e4 \uc800\ucd95\uc561, \ud22c\uc790 \uc218\uc775\ub960, \uc18c\ube44 \ud1b5\uacc4 \ub4f1\uc744 \ubd84\uc11d\ud558\uc5ec, \ubaa9\ud45c \ub300\ube44 \uc2e4\uc81c \uc131\uacfc\ub97c \ube44\uad50\ud558\uace0 \uac1c\uc120 \ubc29\ud5a5\uc744 \ubaa8\uc0c9\ud558\ub294 \uacfc\uc815\uc740 \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n\uc5f4 \ubc88\uc9f8\ub85c, \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud574\uc11c\ub294 \uc8fc\ubcc0\uc758 \uc9c0\uc6d0 \uccb4\uacc4\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uac00\uc871, \uce5c\uad6c, \ub3d9\ub8cc \ubc0f \uc7ac\ubb34 \uc804\ubb38\uac00\ub4e4\uacfc\uc758 \uc9c0\uc18d\uc801\uc778 \uc18c\ud1b5\uc740 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc758 \uc911\uc694\ud55c \ucd09\uc9c4 \uc694\uc778 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uc2a4\ud130\ub514 \uadf8\ub8f9, \uc7ac\ubb34 \uc0c1\ub2f4 \ubaa8\uc784, \uc628\ub77c\uc778 \ucee4\ubba4\ub2c8\ud2f0 \ub4f1\uc744 \ud1b5\ud574 \uc11c\ub85c\uc758 \uacbd\ud5d8\uacfc \uc9c0\uc2dd\uc744 \uacf5\uc720\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc778 \uc2e4\ud589 \uc804\ub7b5\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5f4\ud55c \ubc88\uc9f8\ub85c, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc2e4\ucc9c \ubc29\uc548\uc740 \ub2e8\uae30\uac04\uc758 \uc131\uacfc\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \uc7a5\uae30\uc801 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \ubaa9\ud45c \ub2ec\uc131 \ud6c4\uc758 \uacb0\uacfc\ubb3c\uc774 \uc544\ub2c8\ub77c, \uc9c0\uc18d \uac00\ub2a5\ud55c \uc790\uc0b0 \uad00\ub9ac \uccb4\uacc4\ub97c \ud655\ub9bd\ud558\uc5ec \uacbd\uc81c\uc801 \ub3c5\ub9bd\uacfc \uc7ac\uc815 \uc548\uc815\uc131\uc744 \uafb8\uc900\ud788 \uc720\uc9c0\ud558\ub294 \ub370 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. 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{"id":57097,"date":"2025-03-16T10:47:32","date_gmt":"2025-03-16T01:47:32","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-set-and-achieve-financial-goals-for-freshmen"},"modified":"2025-03-16T10:47:36","modified_gmt":"2025-03-16T01:47:36","slug":"how-to-set-and-achieve-financial-goals-for-freshmen","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-set-and-achieve-financial-goals-for-freshmen","title":{"rendered":"\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uacfc \ub2ec\uc131\ubc95"},"content":{"rendered":"

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