{"id":57290,"date":"2025-03-20T22:23:34","date_gmt":"2025-03-20T13:23:34","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/investment-principles-and-philosophy-of-financial-experts"},"modified":"2025-03-20T22:23:36","modified_gmt":"2025-03-20T13:23:36","slug":"investment-principles-and-philosophy-of-financial-experts","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/investment-principles-and-philosophy-of-financial-experts","title":{"rendered":"\uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc758 \ud22c\uc790 \uc6d0\uce59\uacfc \ucca0\ud559"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b3%a0%ec%88%98%eb%93%a4%ec%9d%98-%ed%88%ac%ec%9e%90-%ec%9b%90%ec%b9%99%ea%b3%bc-%ec%b2%a0%ed%95%99-JBAdzdLqQq\">\uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc758 \ud22c\uc790 \uc6d0\uce59\uacfc \ucca0\ud559<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-1-%ed%88%ac%ec%9e%90-%ea%b8%b0%eb%b3%b8%ea%b8%b0%ec%99%80-%ea%b2%ac%ea%b3%a0%ed%95%9c-%ec%9b%90%ec%b9%99-%ec%88%98%eb%a6%bd-JBAdzdLqQq\">\uc139\uc158 1: \ud22c\uc790 \uae30\ubcf8\uae30\uc640 \uacac\uace0\ud55c \uc6d0\uce59 \uc218\ub9bd<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-2-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac%ec%99%80-%ed%88%ac%ec%9e%90-%ec%8b%ac%eb%a6%ac-JBAdzdLqQq\">\uc139\uc158 2: \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ud22c\uc790 \uc2ec\ub9ac<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-3-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ea%b5%ac%ec%84%b1-%ec%a0%84%eb%9e%b5-JBAdzdLqQq\">\uc139\uc158 3: \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-4-%ec%9e%a5%ea%b8%b0%ec%a0%81-%ec%95%88%eb%aa%a9%ea%b3%bc-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-JBAdzdLqQq\">\uc139\uc158 4: \uc7a5\uae30\uc801 \uc548\ubaa9\uacfc \ucd5c\uadfc \ub3d9\ud5a5<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b3%a0%ec%88%98%eb%93%a4%ec%9d%98-%ed%88%ac%ec%9e%90-%ec%9b%90%ec%b9%99%ea%b3%bc-%ec%b2%a0%ed%95%99-JBAdzdLqQq\">\uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc758 \ud22c\uc790 \uc6d0\uce59\uacfc \ucca0\ud559<\/title><\/p>\n<h1 id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b3%a0%ec%88%98%eb%93%a4%ec%9d%98-%ed%88%ac%ec%9e%90-%ec%9b%90%ec%b9%99%ea%b3%bc-%ec%b2%a0%ed%95%99-JBAdzdLqQq\">\uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc758 \ud22c\uc790 \uc6d0\uce59\uacfc \ucca0\ud559<\/h1>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ed%88%ac%ec%9e%90-%ea%b8%b0%eb%b3%b8%ea%b8%b0%ec%99%80-%ea%b2%ac%ea%b3%a0%ed%95%9c-%ec%9b%90%ec%b9%99-%ec%88%98%eb%a6%bd-JBAdzdLqQq\">\uc139\uc158 1: \ud22c\uc790 \uae30\ubcf8\uae30\uc640 \uacac\uace0\ud55c \uc6d0\uce59 \uc218\ub9bd<\/h2>\n<p>\n\ud22c\uc790\ub97c \uc2dc\uc791\ud560 \ub54c \uac00\uc7a5 \uba3c\uc800 \uace0\ub824\ud574\uc57c \ud560 \uc694\uc18c\ub294 \ubc14\ub85c \uc790\uc2e0\ub9cc\uc758 \ud655\uace0\ud55c \uc6d0\uce59\uc744 \uc138\uc6b0\ub294 \uac83\uc785\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \ud639\ub3c5\ud55c \uc2dc\uc7a5 \ud658\uacbd\uc5d0\uc11c \uc783\uc9c0 \uc54a\uace0, \uc624\ud788\ub824 \uc218\uc775\uc744 \ub0b4\uae30 \uc704\ud574\uc11c \ud22c\uc790\uc758 \uae30\ubc18\uc774 \ub418\ub294 \ucca0\ud559\uacfc \uaddc\uce59\uc744 \ubc18\ub4dc\uc2dc \uc218\ub9bd\ud558\uace0 \uc9c0\ud0a4\uace4 \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c \uc774\uc57c\uae30\ud558\ub294 \u2018\uc6d0\uce59\u2019\uc774\ub780 \ub2e8\uc21c\ud788 \ub0a8\ub4e4\uc774 \uad8c\uc7a5\ud558\ub294 \ubc29\ubc95\uc744 \ub9f9\ubaa9\uc801\uc73c\ub85c \ub530\ub974\uac70\ub098, \uc778\ud130\ub137\uc5d0\uc11c \uc720\ud589\ud558\ub294 \uc815\ubcf4\ub97c \ubb34\ube44\ud310\uc801\uc73c\ub85c \ubc1b\uc544\ub4e4\uc774\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ud788\ub824 \uc790\uc2e0\uc758 \uc7ac\ubb34 \ubaa9\ud45c, \ub9ac\uc2a4\ud06c \ud5c8\uc6a9 \ubc94\uc704, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc2dc\uacc4 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \uccb4\uacc4\uc801\uc73c\ub85c \uc138\uc6b4 \uac1c\uc778\ud654\ub41c \uaddc\ubc94\uc744 \ub9d0\ud569\ub2c8\ub2e4.<br \/>\n\uc774\ub294 \uc695\uc2ec\uacfc \ub450\ub824\uc6c0\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0, \uc608\uce21\ud560 \uc218 \uc5c6\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9 \uc18d\uc5d0\uc11c\ub3c4 \uc790\uc2e0\ub9cc\uc758 \uae38\uc744 \ucc3e\ub294 \ud575\uc2ec\uc801\uc778 \ubb34\uae30\uac00 \ub418\uba70, \uadf8 \ubb34\uae30\ub97c \ubc14\ud0d5\uc73c\ub85c \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \ud22c\uc790\uac00 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4. \ucd5c\uadfc \uc5ec\ub7ec \uacbd\uc81c \uc9c0\ud45c\uc640 \uae08\uc735\uae30\uad00\ub4e4\uc758 \uc804\ub9dd\uc5d0 \ub530\ub974\uba74, 2023\ub144 \ud604\uc7ac \uc138\uacc4 \uacbd\uc81c\ub294 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \uc774\ud6c4\uc758 \uc778\ud50c\ub808\uc774\uc158 \ub300\uc751\uacfc \uae08\ub9ac \uc815\ucc45\uc73c\ub85c \uc778\ud574 \uc5b4\ub5a4 \uc790\uc0b0\uad70\uc774\ub4e0 \ud070 \ubcc0\ub3d9\uc131\uc744 \uac16\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc740 \uacc4\uc18d\ub41c \ud68c\ubcf5 \uae30\ub300\uac10\uacfc \uc5f0\uc900\uc758 \uae08\ub9ac \uc778\uc0c1 \uae30\ub300\uac00 \uad50\ucc28\ud558\uba70 \ub4f1\ub77d\uc744 \uac70\ub4ed\ud558\uace0, \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \ub610\ud55c \uc0c1\uc2b9\uacfc \ud558\ub77d \uc2e0\ud638\uac00 \ud63c\uc7ac\ud558\ub294 \ucd94\uc138\uc785\ub2c8\ub2e4. \ud754\ub4e4\ub9ac\ub294 \uc2dc\uc7a5\uc77c\uc218\ub85d \ub354\uc6b1\ub354 \uc790\uae30\ub9cc\uc758 \ud655\uace0\ud55c \uc6d0\uce59\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\ub97c \ub4e4\uc5b4, \ud22c\uc790 \uc6d0\uce59\uc744 \uc138\uc6b8 \ub54c \ub2e4\uc74c\uacfc \uac19\uc740 \uc694\uc18c\ub97c \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uc218\uc775\ub960 \ubaa9\ud45c \uc124\uc815\uc785\ub2c8\ub2e4. \uc218\uc775\ub960 \ubaa9\ud45c\ub294 \ub2e8\uc21c\ud788 \u2018\uc5f0 10%\u2019\ucc98\ub7fc \uc815\ud558\ub294 \uac83\uc744 \ub118\uc5b4, \uc65c \uadf8 \ubaa9\ud45c\uce58\uac00 \ub098\uc5d0\uac8c \ub9de\ub294\uac00\ub97c \uae4a\uac8c \uace0\ubbfc\ud574\uc57c \ud569\ub2c8\ub2e4. \ubaa9\ud45c\uce58\ub97c \uc815\ud558\uba74 \uc2ec\ub9ac\uc801\uc73c\ub85c \ub2f4\ub2f9\ud560 \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c \uc218\uc900\ub3c4 \uc790\uc5f0\uc2a4\ub808 \ub098\uc624\uac8c \ub429\ub2c8\ub2e4. \ub458\uc9f8, \uc190\uc808 \ubc0f \uc774\uc775 \uc2e4\ud604 \uaddc\uce59\uc785\ub2c8\ub2e4. \uc190\uc808\uc744 \uc5b8\uc81c \ud560 \uac83\uc774\uba70, \uc218\uc775\uc774 \uc5b4\ub290 \uc815\ub3c4 \ub098\uba74 \uc77c\ubd80\ub97c \ud604\uae08\ud654\ud560\uc9c0 \uc0ac\uc804\uc5d0 \uacb0\uc815\ud574 \ub193\uc73c\uba74, \uc2dc\uc7a5\uc758 \ub2e8\uae30 \ubcc0\ub3d9\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \uc120\ud0dd\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc14b\uc9f8, \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728\uacfc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc774 \uc5b4\ub5bb\uac8c \ub418\uc5b4\uc57c \ud558\ub294\uc9c0 \uad6c\uccb4\uc801\uc778 \uac00\uc774\ub4dc\ub77c\uc778\uc744 \uc791\uc131\ud574\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc774\ucc98\ub7fc \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \uc2dc\uc7a5\uc774 \uc5b4\ub5bb\uac8c \uc694\ub3d9\uce58\ub4e0, \uc790\uc2e0\uc774 \ubbf8\ub9ac \uc815\ud574\ub193\uc740 \uc6d0\uce59\uc5d0 \ub530\ub77c\uc11c \ucc28\uadfc\ucc28\uadfc \ub300\uc751\ud569\ub2c8\ub2e4. \uc6d0\uce59\uc5d0 \ub9de\ub294 \uc2dc\uadf8\ub110\uc774 \ub098\ud0c0\ub098\uba74 \uc2e0\uaddc \uc9c4\uc785 \ud639\uc740 \ucd94\ub9e4\ub97c \uac80\ud1a0\ud558\uace0, \uc6d0\uce59\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294 \uc0c1\ud669\uc5d0\uc11c\ub294 \uacfc\uac10\ud788 \uc815\ub9ac\ud558\uc9c0\uc694. \uc608\ucee8\ub300, \ud2b9\uc815 \uc885\ubaa9\uc758 \uc8fc\uac00\uac00 \ub2e8\uae30\uc801\uc73c\ub85c \ud06c\uac8c \ud558\ub77d\ud558\ub354\ub77c\ub3c4 \ub0b4\uac00 \uac00\uc9c4 \uae30\uc5c5 \ubd84\uc11d \uc790\ub8cc\uc640 \uc804\ub9dd\uc774 \ubc14\ub00c\uc9c0 \uc54a\uc558\ub2e4\uba74 \ubb34\uc870\uac74 \ud328\ub2c9 \uc140\ub9c1\uc744 \ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc2dd\uc785\ub2c8\ub2e4. \ubb3c\ub860 \uc6d0\uce59\uc774\ub77c \ud574\uc11c \uc601\uc6d0\ubd88\ubcc0\uc758 \ubc95\uce59\ucc98\ub7fc \uace0\uccb4\uc640 \uac19\uc774 \ub531\ub531\ud558\uac8c \uad73\uc5b4 \uc788\uc73c\uba74 \uace4\ub780\ud569\ub2c8\ub2e4. \uc0c8\ub86d\uac8c \uc8fc\uc5b4\uc9c0\ub294 \uacbd\uc81c \uc9c0\ud45c\ub098 \uae30\uc220\uc801 \ubcc0\ud654, \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c \ub4f1\uc744 \ubc18\uc601\ud574 \uc6d0\uce59\ub3c4 \uc8fc\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\uace0 \ubcf4\uc644\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc2e4\uc81c\ub85c \ub178\ubca8 \uacbd\uc81c\ud559\uc0c1 \uc218\uc0c1\uc790\uc778 \ud574\ub9ac \ub9c8\ucf54\uc704\uce20(Harry Markowitz)\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc774\ub860\uc744 \uc9c0\uc9c0\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc740, \ubd84\uc0b0\ud22c\uc790\uc758 \ud6a8\uacfc\ub97c \ucd5c\ub300\ub85c \ub192\uc774\uae30 \uc704\ud574\uc11c\ub294 \uba85\ud655\ud55c \uc790\uc0b0 \ubc30\ubd84 \uc6d0\uce59\uc744 \uc9c0\ud0a4\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4\uace0 \uc8fc\uc7a5\ud569\ub2c8\ub2e4. \uadf8 \ud575\uc2ec\uc740 \uc11c\ub85c \uc0c1\uad00\uad00\uacc4\uac00 \ub0ae\uc740 \uc790\uc0b0\ub4e4\uc744 \uc870\ud569\ud558\uc5ec \ucd5c\ub300\uc758 \uc704\ud5d8 \ubd84\uc0b0 \ud6a8\uacfc\ub97c \uc5bb\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc120 \uc790\uc0b0\uad70\uc744 \uc120\uc815\ud558\uace0 \ubc30\ubd84 \ube44\uc728\uc744 \uc815\ud558\ub294 \ub370\uc5d0 \uc0c1\ub2f9\ud788 \uad6c\uccb4\uc801\uc778 \uc218\uce58\uc640 \uc6d0\uce59\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc8fc\uc2dd 40%, \ucc44\uad8c 30%, \ubd80\ub3d9\uc0b0 20%, \ud604\uae08\uc131 \uc790\uc0b0 10%\ub85c \uc815\ud588\ub2e4\uba74, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ud2c8\ud2c8\uc774 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc218\ud589\ud558\uc5ec \ubaa9\ud45c \ube44\uc728\uc744 \ub2e4\uc2dc \ub9de\ucd94\uace0, \ube44\uc774\uc131\uc801\uc778 \ub9e4\ub9e4\ub97c \uc790\uc81c\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc6d0\uce59\uc758 \uc911\uc694\uc131\uc744 \ub354\uc6b1 \uc798 \ubcf4\uc5ec\uc8fc\ub294 \uc0ac\ub840\ub85c, \uac00\uce58\ud22c\uc790\uc758 \ub300\uac00 \uc6cc\ub7f0 \ubc84\ud54f(Warren Buffett)\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc84\ud54f\uc740 \uc2dc\uc7a5\uc774 \ud3ed\ub77d\ud558\uac70\ub098 \ud68c\uc0ac \uc8fc\uac00\uac00 \ud55c\ub54c \uae09\ub77d\uc744 \ud574\ub3c4, \uc790\uc2e0\uc774 \uac00\uc9c4 \uae30\uc5c5\uc758 \ud380\ub354\uba58\ud138(\uc7ac\ubb34\uc0c1\ud0dc, \uc2dc\uc7a5\uc9c0\ubc30\ub825, \ubbf8\ub798 \uc131\uc7a5\uc131 \ub4f1)\uc774 \ud6fc\uc190\ub418\uc9c0 \uc54a\uc558\ub2e4\uace0 \ud310\ub2e8\ub418\uba74 \ucd94\uac00 \ub9e4\uc785 \uae30\ud68c\ub85c \ud65c\uc6a9\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ubc18\uba74, \uc790\uc2e0\uc774 \uc774\ud574\ud558\uc9c0 \ubabb\ud558\ub294 \ube44\uc988\ub2c8\uc2a4\uc5d0\ub294 \uc554\ub9cc \ub2ec\ucf64\ud574 \ubcf4\uc5ec\ub3c4 \ub6f0\uc5b4\ub4e4\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc5c4\uaca9\ud55c \uc6d0\uce59 \uc5ed\uc2dc \uc9c0\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub371\uc2a4 \ud380\ub4dc\ub97c \uc774\uc6a9\ud574 \uc7a5\uae30\ud22c\uc790\ud558\ub294 \uac83\ub3c4 \uc5c4\uaca9\ud55c \uc6d0\uce59 \uc911 \ud558\ub098\ub85c \uaf3d\ud799\ub2c8\ub2e4. \uc774\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\uccb4\uc758 \ub9ac\uc2a4\ud06c\ub97c \ub0ae\ucd94\uace0, \uc548\uc815\uc801\uc778 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\uae30 \uc704\ud55c \uc7a5\uae30 \uc804\ub7b5\uc758 \uc77c\ud658\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7f0 \ubc84\ud54f\uc758 \uc608\uc5d0\uc11c \uc790\uae30\uacc4\ubc1c\uc801 \ud1b5\ucc30\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uc2e0\uc774 \uc798 \ubaa8\ub974\ub294 \ubd84\uc57c\ub098 \uc885\ubaa9\uc740 \ub2e8\uc21c\ud788 \uc815\ubcf4\uac00 \ubd80\uc871\ud558\uae30 \ub54c\ubb38\ub9cc\uc774 \uc544\ub2c8\ub77c, \uc791\uc740 \ub258\uc559\uc2a4 \ud558\ub098\uac00 \ud070 \uc2e4\uc218\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc \uac01\uad11\ubc1b\uace0 \uc788\ub294 \uba54\ud0c0\ubc84\uc2a4 \ubd84\uc57c\ub098 AI \ud14c\ub9c8\uc8fc\uc5d0 \ub300\ud55c \ud655\uc2e0\uc774 \ubd80\uc871\ud558\ub2e4\uba74, \ub2e8\uc21c\ud788 \uc8fc\ubcc0 \ubd84\uc704\uae30\uc5d0 \ud729\uc4f8\ub824 \ud22c\uc790\ud558\uae30\ubcf4\ub2e4\ub294 \uba3c\uc800 \uc0b0\uc5c5 \uad6c\uc870\uc640 \uc218\uc775 \ubaa8\ub378, \uadf8\ub9ac\uace0 \uac70\uae30\uc5d0 \ucc38\uc5ec\ud558\ub294 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \uacbd\uc7c1\ub825\uc744 \uae4a\uc774 \uc788\uac8c \uc5f0\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubd88\ud655\uc2e4\uc131\uc774 \ub192\ub2e4\uba74, \uc6d0\uce59\uc5d0 \ub530\ub77c \ud22c\uc790\ub97c \ubcf4\ub958\ud558\uac70\ub098 \ube44\uc911\uc744 \uc18c\ub7c9\uc73c\ub85c\uc73c\ub85c \ubb36\uc5b4\ub450\ub294 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc6d0\uce59\uc744 \ub9cc\ub4e4\uae30 \uc704\ud574\uc11c\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5(\uacf5\uaca9\ud615, \uc911\ub9bd\ud615, \ubc29\uc5b4\ud615)\uc744 \ud30c\uc545\ud558\ub294 \uacfc\uc815\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uacf5\uaca9\ud615 \ud22c\uc790\uc790\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ube44\uad50\uc801 \uad00\ub300\ud558\uae30 \ub54c\ubb38\uc5d0 \uc131\uc7a5\uc8fc\ub098 \ubca4\ucc98 \ud22c\uc790, \ud639\uc740 \uc554\ud638\ud654\ud3d0\ucc98\ub7fc \uace0\uc704\ud5d8 \uace0\uc218\uc775 \ud488\ubaa9\uc5d0 \ud06c\uac8c \ube44\uc911\uc744 \ub458 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ubc29\uc5b4\ud615 \ud22c\uc790\uc790\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc6d0\uae08 \uc190\uc2e4\uc744 \ud06c\uac8c \uaebc\ub9ac\uae30 \ub54c\ubb38\uc5d0 \ucc44\uad8c \uc704\uc8fc \ud22c\uc790\ub97c \uc120\ud638\ud558\uace0, \uc8fc\uc2dd\ub3c4 \uc548\uc815\uc801\uc778 \ubc30\ub2f9\uc8fc\ub97c \uc120\ud638\ud569\ub2c8\ub2e4. \ub2e4\uc2dc \ub9d0\ud574, \ub611\uac19\uc774 \u2018\ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \ud22c\uc790 \uc6d0\uce59\u2019\uc774\ub77c \ud574\ub3c4 \uadf8 \uad6c\uccb4\uc801\uc778 \ub0b4\uc6a9\uc740 \uac1c\uc778\ubcc4 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \uc131\ud5a5\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uadf8 \ucc28\uc774\ub97c \uc774\ud574\ud558\uace0, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uccb4\uacc4\ub97c \uc815\ub9bd\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc6d0\uce59 \uc218\ub9bd\uc758 \ub450 \ubc88\uc9f8 \ud575\uc2ec\uc740 \ud22c\uc790 \uae30\uac04\uc758 \uc124\uc815\uc785\ub2c8\ub2e4. \uc608\uc0c1 \ud22c\uc790 \uae30\uac04\uc774 1~3\ub144 \ub2e8\uae30\uc778\uc9c0, 3~5\ub144 \uc911\uae30\uc778\uc9c0, 5\ub144 \uc774\uc0c1\uc758 \uc7a5\uae30\uc778\uc9c0\uc5d0 \ub530\ub77c \uc811\uadfc\ubc95\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ubcf4\ud1b5 \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \u2018\uc7a5\uae30 \ud22c\uc790\u2019\ub97c \uac15\uc870\ud558\uc9c0\ub9cc, \uac1c\uc778\ub9c8\ub2e4 \uc0c1\ud669\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc55e\uc73c\ub85c 2\ub144 \ub4a4\uc5d0 \uc9d1 \uad6c\ub9e4 \uc790\uae08\uc774 \ud544\uc694\ud558\ub2e4\uba74, \uc7a5\uae30\uac04 \ubb36\uc774\ub294 \ud22c\uc790\uc5d0 \uc9d1\uc911\ud558\uae30 \uc5b4\ub824\uc6b8 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub0b4\uac00 \ud544\uc694\ud55c \uc790\uae08 \uc218\uc694 \uc2dc\uc810\uacfc \uc608\uc0c1 \uc218\uc775 \ucc3d\ucd9c \uc2dc\uc810\uc774 \uc5b4\ub5bb\uac8c \ub9de\ubb3c\ub9ac\ub294\uc9c0\ub97c \uace0\ub824\ud574 \uc6d0\uce59\uc744 \uc138\uc6b8 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1a0\ub300\ub85c \ud2b9\uc815 \uc2dc\uc810\uc5d0 \uc77c\uc815 \uae08\uc561\uc744 \ud604\uae08\ud654\ud574\uc57c \ud55c\ub2e4\uba74, \uad6c\uccb4\uc801\uc778 \ud0c0\uc784\ub77c\uc778\uc744 \uacc4\ud68d\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uc704\uae30 \uc0c1\ud669\uc744 \ucd5c\uc18c\ud654\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uac00\uc7a5 \ubaa9\ud45c\uac00 \ubd84\uba85\ud55c \uc6d0\uce59\uc744 \uc774\ub8e8\uae30 \uc704\ud574\uc11c\ub294, \ud22c\uc790 \ud65c\ub3d9 \uc804\uccb4\uac00 \u2018\ub098\uc758 \uae08\uc735 \uc0dd\ud65c\u2019\uc774\ub77c\ub294 \ud070 \uadf8\ub9bc \uc548\uc5d0\uc11c \uc5b4\ub5a4 \uc5ed\ud560\uc744 \ub2f4\ub2f9\ud558\ub294\uc9c0\ub97c \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ud68c\uc0ac\uc5d0\uc11c \ubc8c\uc5b4\ub4e4\uc774\ub294 \uc6d4\uae09, \uc0ac\uc5c5 \uc218\uc775, \ud639\uc740 \ud504\ub9ac\ub79c\uc11c\ub85c \uc77c\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \ud504\ub85c\uc81d\ud2b8 \ub2e8\uc704 \uc218\uc785 \uac19\uc740 \uac83\ub4e4\uc774 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uc9c0\ucd9c \ub0b4\uc5ed \uc5ed\uc2dc \ub9e4\ub2ec \ub2e4\ub974\uac8c \ubc1c\uc0dd\ud560 \ud150\ub370, \uc774\ub7ec\ud55c \ubaa8\ub4e0 \uce90\uc2dc\ud50c\ub85c\uc6b0\ub97c \uc885\ud569\ud558\uc5ec \ud22c\uc790\ub85c \uc5bc\ub9cc\ud07c \uae08\uc561\uc744 \ud68c\uc804\uc2dc\ud0ac \uc218 \uc788\ub294\uc9c0\ub97c \uc0b4\ud3b4\ubcf4\uc2ed\uc2dc\uc624. \ubb34\ub9ac\ud55c \ube5a\uc744 \ub0b4\uac70\ub098, \uce74\ub4dc\ub860\uc744 \ud65c\uc6a9\ud574 \ub808\ubc84\ub9ac\uc9c0\ub97c \ud0a4\uc6b0\ub294 \uac83\uc740 \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \uc88b\uc9c0 \uc54a\uc740 \uc6d0\uce59\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uacfc\uc815\uc5d0\uc11c \ub808\ubc84\ub9ac\uc9c0(\ub300\ucd9c)\ub97c \ud65c\uc6a9\ud558\ub354\ub77c\ub3c4, \uadf8 \ud6a8\uacfc\uc640 \ubd80\uc791\uc6a9\uc744 \uc0ac\uc804\uc5d0 \uba74\ubc00\ud788 \uc870\uc0ac\ud558\uace0 \ud55c\ub3c4\ub97c \uc815\ud574\ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc815\ub9ac\ud558\uc790\uba74, \ud22c\uc790 \uae30\ubcf8\uae30\uc640 \uacac\uace0\ud55c \uc6d0\uce59 \uc218\ub9bd \uacfc\uc815\uc740 \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc744 \ud5a5\ud55c \uccab \uac78\uc74c\uc785\ub2c8\ub2e4. \uc2dc\uc7a5 \ubd84\uc11d\uacfc \uc885\ubaa9 \uc120\uc815 \uc774\uc804\uc5d0, \ub098 \uc790\uc2e0\uc774 \uc5b4\ub5a4 \ud22c\uc790 \ucca0\ud559\uc744 \uac16\uace0 \uc788\ub294\uc9c0\ubd80\ud130 \ud655\uc778\ud574\uc57c \ud55c\ub2e4\ub294 \uc810\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub610\ud55c, \ub2e8\ud3b8\uc801\uc778 \uc815\ubcf4\ub098 \uc720\ud639\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc7a5\u00b7\ub2e8\uae30 \ubaa9\ud45c\ub97c \uc138\uc6cc \ub9e4\ub9e4\uc5d0 \uc784\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ubd88\ud655\uc2e4\uc131\uc774 \ucee4\uc9c0\uace0 \uc788\ub294 \ucd5c\uc2e0 \uae00\ub85c\ubc8c \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c, \uc6d0\uce59\uc758 \uac00\uce58\ub294 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc790\uae30 \ud655\uc2e0\uc744 \ubc14\ud0d5\uc73c\ub85c, \uc6d0\uce59\uc5d0 \ub530\ub77c \uac70\ubd81\uc774\ucc98\ub7fc \uafb8\uc900\ud788 \uac00\ub294 \uac83\uc774 \uacb0\uacfc\uc801\uc73c\ub85c \ud1a0\ub07c\ucc98\ub7fc \ub6f0\ub2e4 \uc9c0\uce58\ub294 \ud22c\uc790\ubcf4\ub2e4 \ub354\uc6b1 \uc548\uc804\ud558\uace0 \uc131\uacfc\uac00 \uc88b\uc744 \ub54c\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac%ec%99%80-%ed%88%ac%ec%9e%90-%ec%8b%ac%eb%a6%ac-JBAdzdLqQq\">\uc139\uc158 2: \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ud22c\uc790 \uc2ec\ub9ac<\/h2>\n<p>\n\ud22c\uc790\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uc8fc\uc81c \uc911 \ud558\ub098\ub294 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc785\ub2c8\ub2e4. \uc544\ubb34\ub9ac \ub6f0\uc5b4\ub09c \uc218\uc775\uc744 \ub0bc \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ucc3e\uc544\ub0b4\ub354\ub77c\ub3c4, \uc704\ud5d8\uc744 \uac10\uc218\ud558\uc9c0 \uc54a\uace0\uc11c\ub294 \uc774\uc5b4\uc9c8 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \ub9ac\uc2a4\ud06c\ub97c \ub9c8\ub0e5 \uae30\ud53c\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc801\uc815 \uc218\uc900\uc73c\ub85c \ud1b5\uc81c\ud558\uace0 \ud604\uba85\ud558\uac8c \ud65c\uc6a9\ud568\uc73c\ub85c\uc368 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5\uc744 \ub178\ub9b0\ub2e4\ub294 \uacf5\ud1b5\uc810\uc744 \ubcf4\uc785\ub2c8\ub2e4. \uc2ec\ub9ac\ud559\uc801\uc73c\ub85c\ub3c4 \ud22c\uc790\uc790\ub4e4\uc740 \u2018\uc190\uc2e4 \ud68c\ud53c \ud3b8\ud5a5(Prospect Theory)\u2019\uc5d0 \uc758\ud574 \uc791\uc740 \uc774\uc775\ubcf4\ub2e4 \uc791\uc740 \uc190\uc2e4\uc744 \ub354 \ud06c\uac8c \ub450\ub824\uc6cc\ud558\uac8c \ub429\ub2c8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \ube44\uc774\uc131\uc801 \ub9e4\ub9e4\ub97c \ud558\uac8c \ub418\ub294 \uc6d0\uc778\uc774 \ub418\ub294\ub370, \uace0\uc218\ub4e4\uc740 \uc790\uc2e0\ub4e4\uc758 \uc6d0\uce59\uacfc \uc2ec\ub9ac \ud6c8\ub828\uc744 \ud1b5\ud574 \uc774\ub7f0 \ud568\uc815\uc744 \ud53c\ud558\ub824\uace0 \ub178\ub825\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\ub97c \ub4e4\uc5b4 \uc5b4\ub5a4 \ud22c\uc790\uc790\ub294 \uc8fc\uac00\uac00 10% \ud558\ub77d\ud55c \uc0c1\ud0dc\uc5d0\uc11c \ucd94\uac00 \ud558\ub77d\uc744 \ub450\ub824\uc6cc\ud558\uc5ec \uc190\uc808\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc190\uc808\uc740 \ub54c\ub85c\ub294 \ud604\uba85\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc, \uadf8 \ud310\ub2e8\uc774 \uac1d\uad00\uc801 \uadfc\uac70 \uc5c6\uc774 \ub2e8\uc21c \uacf5\ud3ec\uc5d0 \uae30\ubc18\ud55c\ub2e4\uba74 \uace7\ubc14\ub85c \ud6c4\ud68c\ub85c \uc774\uc5b4\uc9c0\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc7ac\ubb34\uc81c\ud45c\ub098 \ud574\ub2f9 \uc0b0\uc5c5\uc758 \uc804\ub9dd\uc744 \uaf3c\uaf3c\ud788 \ubd84\uc11d\ud55c \uacb0\uacfc\uac00 \u2018\uc544\uc9c1 \ud380\ub354\uba58\ud138\uc740 \uacac\uace0\ud558\ub2e4\u2019\ub77c\ub294 \uacb0\ub860\uc744 \ub4b7\ubc1b\uce68\ud574 \uc900\ub2e4\uba74, \ud558\ub77d\uc7a5\uc5d0\uc11c\ub3c4 \uc800\uac00 \ub9e4\uc218\ub97c \ud1b5\ud574 \uc7a5\uae30 \uc218\uc775\uc744 \ub178\ub9b4 \uc218 \uc788\ub294 \uae30\ud68c\uac00 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucc28\uc774\ub294 \uc5bc\ub9c8\ub098 \uccb4\uacc4\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ub2a5\ub825\uc744 \uac16\ucd94\uc5c8\ub290\ub0d0, \uadf8\ub9ac\uace0 \uadf8\uc5d0 \ub530\ub978 \uc2ec\ub9ac\uc801 \uc694\ub3d9\uc744 \uc81c\uc5b4\ud558\ub290\ub0d0\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \uba3c\uc800 \uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc190\uc2e4 \ud55c\ub3c4\ub97c \ubd84\uba85\ud788 \uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc2dc \ub9d0\ud574, \ud22c\uc790\uae08\uc758 \uc77c\uc815 \ube44\uc728 \ud639\uc740 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc758 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c, \ucd94\uac00\uc801\uc778 \uc190\uc2e4\uc744 \uac10\uc218\ud558\ub354\ub77c\ub3c4 \uc9c0\ucf1c\ubcfc\uc9c0 \uc544\ub2c8\uba74 \ub9e4\ub3c4\ud560\uc9c0\uc5d0 \ub300\ud55c \uae30\uc900\uc744 \uc138\uc6cc\ub454\ub2e4\uba74, \ucd08\uc870\ud568\uc5d0\uc11c \uc624\ub294 \uc131\uae09\ud55c \uacb0\uc815\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc774 \uae30\uc900\uc740 \uc0ac\ub78c\ub9c8\ub2e4 \ub2e4\ub985\ub2c8\ub2e4. \uc5b4\ub5a4 \uc774\ub294 5% \uc190\uc2e4\ub9cc \ub098\ub3c4 \ubd88\uc548\ud574\ud558\uace0, \ub610 \uc5b4\ub5a4 \uc774\ub294 30%\uae4c\uc9c0\ub294 \ucda9\ubd84\ud788 \uae30\ub2e4\ub9b4 \uc218 \uc788\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uac1c\uc778\uc758 \uc790\uae08 \uc0ac\uc815\uacfc \uc131\ud5a5 \ucc28\uc774\ub97c \uc778\uc815\ud558\ub418, \uc911\uc694\ud55c \uac83\uc740 \uc790\uc2e0\uacfc \uc2dc\uc7a5\uc758 \uc0c1\ud669\uc744 \uc81c\ub300\ub85c \ud30c\uc545\ud558\uc5ec \uc190\uc808\uacfc \ubcf4\uc720\ub97c \uacb0\uc815\ud558\ub294 \uba85\ud655\ud55c \uc6d0\uce59\uc744 \uac16\ub294 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ube44\uad50\uc801 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc778 \ucc44\uad8c\uc774\ub098 \uc608\uae08 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\ub354\ub77c\ub3c4, \uae08\ub9ac \ubcc0\ub3d9 \ub9ac\uc2a4\ud06c\ub098 \uc778\ud50c\ub808\uc774\uc158 \ub9ac\uc2a4\ud06c\uac00 \uc791\ub3d9\ud569\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \uc804 \uc138\uacc4\uc801\uc778 \uae08\ub9ac \uc778\uc0c1 \uae30\uc870\uac00 \uc774\uc5b4\uc9c0\uba74\uc11c, \uacfc\uac70\ubcf4\ub2e4 \ucc44\uad8c\uae08\ub9ac\uac00 \uc624\ub978 \ub300\uc2e0 \ucc44\uad8c \uac00\uaca9\uc740 \ub5a8\uc5b4\uc9c0\ub294 \ud750\ub984\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc801\uc815 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \ub54c\uc5d0\ub294 \uc8fc\uc2dd\uacfc \ucc44\uad8c\ub9cc \ubcf4\uc720\ud55c\ub2e4\uace0 \ud574\uc11c \ubb34\uc870\uac74 \uc548\uc804\ud55c \uac83\uc774 \uc544\ub2c8\ub77c, \uae08\ub9ac \uc0ac\uc774\ud074 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc7ac\ubb34\uc801 \ucda9\uaca9\ub3c4 \ubd84\uc0b0\ud574\uc57c \ud568\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uc0c1\uad00\uad00\uacc4\uac00 \ub0ae\uc740 \uad6d\uc81c\ucc44\uad8c, \uae08\uacfc \uac19\uc740 \uc6d0\uc790\uc7ac, \ud639\uc740 REITs(\ubd80\ub3d9\uc0b0\uac04\uc811\ud22c\uc790) \uac19\uc774 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc744 \uac80\ud1a0\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc704\ud55c \ub610 \ub2e4\ub978 \ubc29\ubc95\uc73c\ub85c \u2018\ubd84\ud560 \ub9e4\uc218\u2019\uc640 \u2018\ubd84\ud560 \ub9e4\ub3c4\u2019\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud55c \ubc88\uc5d0 \ubaa9\ub3c8\uc744 \ub123\uae30\ubcf4\ub2e4\ub294, \uc77c\uc815 \uae30\uac04\uc5d0 \uac78\uccd0 \uc870\uae08\uc529 \uc9c4\uc785\ud558\uac70\ub098 \uccad\uc0b0\ud558\ub294 \ud615\ud0dc\ub85c, \uc2dc\uc7a5 \uc0c1\ud669\uc774 \ud06c\uac8c \ubcc0\ud558\ub354\ub77c\ub3c4 \ud3c9\uade0 \ub9e4\uc785\ub2e8\uac00\ub97c \uc870\uc808\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\ub3c4 \uc798\ubabb\ub41c \ud0c0\uc774\ubc0d\uc5d0 \ud55c \ubc88\uc5d0 \ubb3c\ub7c9\uc744 \ud06c\uac8c \uc2e4\uc5c8\ub2e4\uac00 \ub0ad\ud328\ub97c \ubcf4\ub294 \uacbd\uc6b0\uac00 \uc5c6\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uadf8\ub4e4\uc740 \uacbd\ud5d8\uc744 \ud1b5\ud574 \uae68\ub2ec\uc740 \uad50\ud6c8, \uc989 \ubd84\ud560 \ub9e4\uc218\ub97c \ud1b5\ud574 \uc2ec\ub9ac\uc801 \uc555\ubc15\uacfc \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\ub294 \ubc29\ubc95\uc744 \uc801\uadf9 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300, 3\uac1c\uc6d4\uc5d0 \uac78\uccd0 \uc77c\uc815 \uae08\uc561\uc529 \ub3d9\uc77c\ud55c \uc885\ubaa9\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc2dc\uc7a5 \ud638\ud669\uae30\ub4e0 \ubd88\ud669\uae30\ub4e0 \ud3c9\uade0\ud654\ub97c \uc2dc\ub3c4\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc774\uc5d0 \ub354\ud574, \uc2dc\uc7a5\uc774\ub780 \ubd88\uc644\uc804\ud558\uace0 \uc608\uce21 \ubd88\uac00\ub2a5\ud55c \uc694\uc18c\ub85c \uac00\ub4dd \ucc28 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc778\uc815\ud558\ub294 \ud0dc\ub3c4 \ub610\ud55c \ud544\uc694\ud569\ub2c8\ub2e4. \uc544\ubb34\ub9ac \ub6f0\uc5b4\ub09c \ud22c\uc790 \ub300\uac00\ub77c \ud574\ub3c4 100% \ud655\uc2e0\uc744 \uac00\uc9c0\uace0 \uc2dc\uc7a5\uc744 \uc608\uce21\ud560 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc608\uce21\uc774 \ube57\ub098\uac14\uc744 \ub54c \uc5b4\ub5bb\uac8c \ub300\uc751\ud560\uc9c0, \uc989 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ud55c \u2018\ud50c\ub79c B\u2019\ub97c \ub9c8\ub828\ud574 \ub193\ub294 \uac83\uc785\ub2c8\ub2e4. \ud68c\ubcf5 \uac00\ub2a5\ud55c \ubc94\uc704 \ub0b4\uc5d0\uc11c \uc190\uc2e4\uc744 \uac10\uc218\ud560 \uac83\uc778\uc9c0, \ud639\uc740 \uae30\ubcf8 \uc6d0\uce59\uc5d0 \ub530\ub77c \uc77c\uc815 \uc9c0\uc810\uc5d0\uc11c \uc190\uc808\ud560 \uac83\uc778\uc9c0, \uc544\ub2c8\uba74 \uc2dc\uc7a5 \ucd94\uc774\ub97c \uc880 \ub354 \uc9c0\ucf1c\ubcfc \uac83\uc778\uc9c0 \ub4f1\uc774 \uc774\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub300\ube44\ucc45\uc774 \ubbf8\ub9ac \ub9c8\ub828\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc73c\uba74, \ub9c9\uc0c1 \uc704\uae30\uac00 \ub2e5\ucce4\uc744 \ub54c \uc2ec\ub9ac\uc801 \ud63c\ub780\uacfc \ud568\uaed8 \uc798\ubabb\ub41c \uacb0\uc815\uc744 \ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud22c\uc790 \uc2ec\ub9ac\ub294 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ubd88\uac00\ubd84\uc758 \uad00\uacc4\uc785\ub2c8\ub2e4. \uc8fc\uac00\uac00 \uc5f0\uc77c \uc0c1\uc2b9\ud560 \ub54c\ub294 \uae30\ub300\uac10\uc774 \ucee4\uc838\uc11c \uc9c0\ub098\uce5c \ub099\uad00\uc5d0 \ube60\uc9c0\uace0, \ubc18\ub300\ub85c \uc5f0\uc77c \ud3ed\ub77d\ud560 \ub54c\ub294 \uacf5\ud3ec\uc2ec\uc5d0 \uc0ac\ub85c\uc7a1\ud600 \ub9e4\ub3c4\ub97c \uc11c\ub450\ub974\uac8c \ub429\ub2c8\ub2e4. \uc774\ub97c \uac00\ub974\ucf1c \uad70\uc911\uc2ec\ub9ac \ub610\ub294 \uad70\uc9d1\ud589\ub3d9\uc774\ub77c\uace0 \ubd80\ub985\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \uc774 \uad70\uc911\uc2ec\ub9ac\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\ub3c4\ub85d \ud56d\uc0c1 \uc790\uc2e0\uc758 \uc6d0\uce59\uacfc \uacc4\ud68d\uc744 \uc810\uac80\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300, \uc5f0\uc77c \uc0c1\uc2b9 \ub274\uc2a4\uac00 \ub4e4\ub9b0\ub2e4 \ud574\ub3c4 \u2018\uc774\ubbf8 \ub0b4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubaa9\ud45c \uc218\uc775\ub960\uc5d0 \uadfc\uc811\ud588\ub2e4\uba74, \ucd94\uac00 \uc9c4\uc785\uc740 \ubb34\ub9ac\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \ub0ab\ub2e4\u2019\uc640 \uac19\uc740 \uc2dd\uc73c\ub85c \uc790\uc81c\ub825\uc744 \ubc1c\ud718\ud569\ub2c8\ub2e4. \uc774\ub294 \uc624\ub79c \uacbd\ud5d8\uacfc \uc2e4\ud328, \uc131\uacf5\uc744 \uac70\ub4ed\ud55c \ub05d\uc5d0 \uccb4\ub4dd\ud55c \uc2ec\uc801 \ud6c8\ub828\uc758 \uacb0\uacfc\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud2b9\ud788 2023\ub144 \uc774\ud6c4 \uacbd\uae30 \ub099\uad00\ub860\uacfc \ud68c\ubcf5 \uae30\ub300\uac00 \uc2dc\uc7a5\uc5d0 \ud655\uc0b0\ub418\uba74\uc11c, \ub9ce\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc774 \u2018\uc9c0\uae08\uc774 \uc800\uac00 \ub9e4\uc218 \uae30\ud68c\ub2e4\u2019 \ud639\uc740 \u2018\uc774\uc81c\ubd80\ud130\ub294 \ubb34\uc870\uac74 \uc624\ub978\ub2e4\u2019\ub77c\ub294 \uc2ec\ub9ac\uc5d0 \ud729\uc4f8\ub9ac\uae30 \uc26c\uc6b4\ub370, \uace0\uc218\ub4e4\uc740 \ub298 \uacbd\uacc4\uc2ec\uc744 \ub2a6\ucd94\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158 \uc555\ubc15\uc774 \uc5b8\uc81c\ub4e0 \ub2e4\uc2dc \uac70\uc138\uc9c8 \uc218\ub3c4 \uc788\uace0, \uae08\ub9ac \uc778\uc0c1 \uc0ac\uc774\ud074\uc774 \ub354 \uc9c0\uc18d\ub420 \uac00\ub2a5\uc131\ub3c4 \uc644\uc804\ud788 \ubc30\uc81c\ud560 \uc218 \uc5c6\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub9cc\uc57d \uc774\ub7ec\ud55c \uc704\ud5d8 \uc694\uc778\ub4e4\uc774 \ub3c4\ub798\ud55c\ub2e4\uba74 \uc2dc\uc7a5 \uc804\ubc18\uc774 \ub610 \ud55c \ubc88 \ud06c\uac8c \ud754\ub4e4\ub9b4 \uc218 \uc788\uc74c\uc744 \uc720\ub150\ud558\uba70, \ubd84\ud560 \ub9e4\uc218 \uc804\ub7b5\uacfc \uc190\uc808 \uae30\uc900\uc744 \uc7ac\uc810\uac80\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc5ec\uae30\uc11c \ud55c \uac00\uc9c0 \ub354 \uc911\uc694\ud55c \uc810\uc740, \ud22c\uc790 \uc2ec\ub9ac \uc911\uc5d0\uc11c\ub3c4 \ub099\uad00\uc801 \ud3b8\ud5a5(Bias)\uacfc \uc790\uae30 \uacfc\uc2e0(Overconfidence)\uc744 \uacbd\uacc4\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc6b4\uc774 \uc88b\uac8c \uba87 \ubc88\uc758 \ub9e4\ub9e4\uc5d0\uc11c \ud070 \uc218\uc775\uc744 \uc62c\ub838\ub2e4 \ud558\ub354\ub77c\ub3c4, \uc774\ub97c \uc790\uc2e0\ub9cc\uc758 \ud2b9\ubcc4\ud55c \ub2a5\ub825\uc73c\ub85c \uacfc\ub300\ud3c9\uac00\ud558\ub294 \uc21c\uac04 \ub354 \ud070 \ub9ac\uc2a4\ud06c\ub97c \uc9ca\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u2018\ub098\ub294 \uc5b8\uc81c\ub4e0 \uc218\uc775\uc744 \ub0bc \uc218 \uc788\ub2e4\u2019\ub77c\ub294 \uacfc\uc2e0\uc774 \ucee4\uc9c0\uba74, \uc6d0\uce59\uc744 \ubb34\uc2dc\ud558\uace0 \uacfc\uac10\ud574\uc9c4 \ud22c\uc790 \ud589\uc704\ub97c \uc77c\uc0bc\ub2e4\uac00 \ud070 \uc190\uc2e4\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc9c0\ub098\uce5c \ube44\uad00\ub3c4 \ud22c\uc790 \uae30\ud68c\ub97c \ub0a0\ub824\ubc84\ub9ac\ub294 \uacb0\uacfc\ub97c \ub0b3\uc2b5\ub2c8\ub2e4. \uacb0\uad6d \uc2ec\ub9ac\uc801 \uade0\ud615\uc744 \uc720\uc9c0\ud558\uace0, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc804\ub7b5\uc744 \uc720\uc5f0\ud558\uac8c \uc218\uc815\ud558\ub294 \ub2a5\ub825\uc774\uc57c\ub9d0\ub85c \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc815\uc810\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \uc788\uc5b4\uc11c \uc2ec\ub9ac\uc801 \uc548\uc815\uc744 \uc704\ud55c \uc2e4\uc81c \ud301\uc744 \uba87 \uac00\uc9c0 \uc815\ub9ac\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud558\uba70 \uc790\uc2e0\uc774 \uc65c \ub9e4\uc218(\ub610\ub294 \ub9e4\ub3c4)\ub97c \uacb0\uc815\ud588\ub294\uc9c0 \uac1d\uad00\uc801\uc73c\ub85c \uae30\ub85d\ud558\uae30<\/li>\n<li>\uc2dc\uc7a5\uc758 \ub2e8\uae30 \ubcc0\ub3d9\uc5d0 \uc77c\ud76c\uc77c\ube44\ud558\uc9c0 \uc54a\ub3c4\ub85d, \ud558\ub8e8 \uc8fc\uac00 \ubcc0\ub3d9\ubcf4\ub2e4\ub294 \uc8fc\u00b7\uc6d4 \ub2e8\uc704 \ucd94\uc138\ub97c \ud655\uc778\ud558\uae30<\/li>\n<li>\ucda9\ubd84\ud55c \ud604\uae08\uc774\ub098 \uc548\uc804\uc790\uc0b0 \ube44\uc911\uc744 \ud655\ubcf4\ud574 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc790\uae08 \uc218\uc694\uc5d0 \ub300\ube44\ud558\uae30<\/li>\n<li>\ubaa9\ud45c \uc218\uc775\ub960\uacfc \uc190\uc808 \ub77c\uc778\uc744 \uc0ac\uc804\uc5d0 \uc124\uc815\ud558\uace0, \uc9c0\ud0ac \uc218 \uc788\ub294 \ubc29\ubc95(\uc790\ub3d9\uc8fc\ubb38 \ub4f1)\uc744 \uad6c\ube44\ud558\uae30<\/li>\n<li>\uacbd\uc81c \ub274\uc2a4\ub97c \ud558\ub8e8 \uc885\uc77c \ucad3\uc544\ub2e4\ub2c8\uc9c0 \ub9d0\uace0, \uac1d\uad00\uc801\uc774\uace0 \ubbff\uc744 \ub9cc\ud55c \uc18c\uc2a4\ub97c \uc5f4\ub78c\ud558\ub294 \uc2b5\uad00 \ud0a4\uc6b0\uae30<\/li>\n<\/ul>\n<p>\uc774\ub7ec\ud55c \ubc29\uc2dd\uc744 \ud1b5\ud574 \uc2ec\ub9ac\uc801\uc73c\ub85c \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0, \ud569\ub9ac\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub294 \ud1a0\ub300\ub97c \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc885\ud569\ud574\ubcf4\uba74, \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc758 \uac00\uc7a5 \ud070 \ud2b9\uc9d5\uc740 \ubd88\ud655\uc2e4\ud55c \uc2dc\uc7a5 \uc18d\uc5d0\uc11c \uc2ec\ub9ac\uc801 \ub3d9\uc694\ub97c \ucd5c\uc18c\ud654\ud558\uace0, \uccb4\uacc4\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc6d0\uce59\uc744 \uc5c4\uaca9\ud788 \uc900\uc218\ud55c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \uc791\uc740 \uc6b0\uc5f0\uc801 \uc131\uacf5\uc5d0 \ub4e4\ub728\uc9c0\ub3c4 \uc54a\uace0, \uc77c\uc2dc\uc801 \uc2e4\ud328\uc5d0 \ud06c\uac8c \uc88c\uc808\ud558\uc9c0\ub3c4 \uc54a\uc2b5\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \u2018\uc9c0\uc18d \uac00\ub2a5\uc131\u2019\uc774\uba70, \uc774 \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \ub4b7\ubc1b\uce68\ud574\uc8fc\ub294 \uac83\uc774 \ubc14\ub85c \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ud22c\uc790 \uc2ec\ub9ac\uc758 \uc548\uc815\ud654\uc785\ub2c8\ub2e4. \uc624\ub298\ub0a0\uacfc \uac19\uc774 \uc608\uce21\uc774 \uc5b4\ub824\uc6b4 \uc2dc\ub300\uc77c\uc218\ub85d, \uc6d0\uce59\uc5d0 \ub530\ub77c \ucda9\ubd84\ud788 \uace0\ubbfc\ud558\uace0 \uc2e0\uc911\ud558\uac8c \ud589\ub3d9\ud574\uc57c \ud560 \ud544\uc694\uc131\uc774 \ub354\uc6b1 \uac15\uc870\ub429\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ea%b5%ac%ec%84%b1-%ec%a0%84%eb%9e%b5-JBAdzdLqQq\">\uc139\uc158 3: \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \uc804\ub7b5<\/h2>\n<p>\n\ud22c\uc790\uac00 \ubcf8\uaca9\ud654\ub420\uc218\ub85d, \uc5b4\ub5a4 \uc790\uc0b0\uc5d0 \uc5bc\ub9c8\ub9cc\ud07c \ud22c\uc790\ud574\uc57c \ud558\ub294\uc9c0 \uace0\ubbfc\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub294 \ubc14\ub85c \u2018\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\u2019\uc758 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uc544\ubb34\ub9ac \ub6f0\uc5b4\ub09c \uc885\ubaa9 \ud558\ub098\ub97c \ubc1c\uad74\ud588\ub354\ub77c\ub3c4 \uc804 \uc7ac\uc0b0\uc744 \uc62c\uc778\ud558\ub294 \uac83\uc740 \ubb34\ubaa8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c, \uc9c0\ub098\uce58\uac8c \ubd84\uc0b0\ud558\ub2e4 \ubcf4\uba74 \uc774\uc775\uc774 \ud76c\uc11d\ub418\uc5b4 \uad1c\ucc2e\uc740 \uc885\ubaa9\uc5d0\uc11c \ud070 \uc774\ub4dd\uc744 \ubcfc \uae30\ud68c\ub97c \ub193\uce60 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \ub300\ubd80\ubd84 \uc790\uc2e0\ub9cc\uc758 \ubd84\uc0b0 \ud22c\uc790 \uc6d0\uce59\uc744 \ud1a0\ub300\ub85c \uc548\uc815\uc131\uacfc \uc218\uc775\uc131\uc744 \uade0\ud615 \uc788\uac8c \uac00\uc838\uac00\ub824 \ud558\uba70, \uc885\uc885 \ud2b9\uc815 \uc139\ud130\ub098 \uc885\ubaa9\uc5d0 \ub300\ud55c \uc9d1\uc911 \ud22c\uc790\ub97c \ubcd1\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub54c\ub3c4 \ubb34\uc791\uc815 \u2018\ubab0\ube75\u2019\uc774 \uc544\ub2c8\ub77c, \uae30\uc5c5\uac00\uce58 \ubd84\uc11d\uc744 \uae30\ubc18\uc73c\ub85c \ud569\ub9ac\uc801 \ube44\uc911\uc744 \uc124\uc815\ud55c\ub2e4\ub294 \uc810\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uba3c\uc800 \uc778\ub371\uc2a4 \ud380\ub4dc\ub098 ETF(Exchange Traded Fund)\ub97c \ud65c\uc6a9\ud55c \ubd84\uc0b0 \ud22c\uc790\ub97c \uc0b4\ud3b4\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d\uc758 S&amp;P 500, \ub098\uc2a4\ub2e5 100, \uad6d\ub0b4\uc758 KOSPI 200 \ub4f1 \uc9c0\uc218\uc5d0 \uc5f0\ub3d9\ub418\ub294 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud55c\ub2e4\uba74, \uac1c\ubcc4 \uc885\ubaa9\uc758 \ub9ac\uc2a4\ud06c\ub294 \uc904\uc5b4\ub4e4\uace0 \uc2dc\uc7a5 \uc804\uccb4\uc758 \uc131\uc7a5\uc138\ub97c \ub530\ub77c\uac08 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 S&amp;P 500 ETF\uc5d0 \ud22c\uc790\ud55c \uacbd\uc6b0, \uc560\ud50c, \ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8, \uad6c\uae00 \ub4f1 \ubbf8\uad6d \ub300\ud45c \uae30\uc5c5\ub4e4\uc758 \uc131\uc7a5\uc744 \ud3ed\ub113\uac8c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \uc2dc\uc7a5 \uc804\uccb4\uac00 \ubd80\uc9c4\ud574\uc9c0\uba74 ETF \ub610\ud55c \ud0c0\uaca9\uc744 \ubc1b\uae30 \ub54c\ubb38\uc5d0 \uc804 \uc138\uacc4\uc801\uc778 \uacbd\uae30 \uc0ac\uc774\ud074\uc5d0 \uc601\ud5a5\uc744 \ud06c\uac8c \ubc1b\ub294\ub2e4\ub294 \ub2e8\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc77c\ubd80 \uace0\uc218\ub4e4\uc740 \uae00\ub85c\ubc8c \uc9c0\uc218 \ud380\ub4dc(ACWI \ub4f1)\ub098 \uc139\ud130\ubcc4 ETF\ub97c \ubcd1\ud589\ud558\uba70 \ubd84\uc0b0 \ud6a8\uacfc\ub97c \ub192\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uac1c\ubcc4 \uc885\ubaa9 \ud22c\uc790\ub97c \uc9c4\ud589\ud560 \ub54c\ub294 \uc885\ubaa9\uc5d0 \ub300\ud55c \u2018\ubd84\uc11d\u2019\uc774 \uc6b0\uc120\ub429\ub2c8\ub2e4. \uc7ac\ubb34\uc81c\ud45c, \uc0b0\uc5c5 \uc804\ub9dd, \uacbd\uc7c1\uc0ac \ub3d9\ud5a5\uc744 \uc138\ubc00\ud558\uac8c \uc0b4\ud53c\uace0, \ud68c\uc0ac\uc758 \uc7a5\uae30 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ucd94\uc815\ud574\ubcf4\ub294 \uacfc\uc815\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c PER, PBR, ROE, EPS \uc131\uc7a5\ub960 \ub4f1\uc758 \uc9c0\ud45c\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uba70, \ud574\ub2f9 \ud68c\uc0ac\uac00 \uc18d\ud55c \uc5c5\uc885\uc758 \uc0ac\uc774\ud074\uc744 \ud2bc\ud2bc\ud558\uac8c \uc9c0\uc9c0\ud558\ub294 \ub9e4\ud06c\ub85c \ud658\uacbd\uc774 \uc788\ub294\uc9c0\ub3c4 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ubc18\ub3c4\uccb4 \ud68c\uc0ac\ub77c\uba74 \uae00\ub85c\ubc8c \ubc18\ub3c4\uccb4 \uc218\uc694 \uc804\ub9dd, \uacbd\uc7c1\uc0ac \ub300\ube44 \uae30\uc220\ub825 \uc6b0\uc704, \uc124\ube44 \ud22c\uc790 \uaddc\ubaa8 \ub4f1\uc774 \ucd94\ud6c4 \uc8fc\uac00\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ubcf4\ub97c \uadfc\uac70\ub85c \ud22c\uc790 \uc5ec\ubd80\uc640 \ube44\uc911\uc744 \uacb0\uc815\ud558\ub294 \uac83\uc774\uc57c\ub9d0\ub85c \u2018\ud569\ub9ac\uc801 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\u2019\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud55c\ud3b8, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc5d0\uc11c \u2018\uc790\uc0b0\uad70\uc758 \uc0c1\uad00\uad00\uacc4\u2019\uac00 \ub0ae\uc744\uc218\ub85d \uc704\ud5d8 \ubd84\uc0b0\uc774 \ud6a8\uacfc\uc801\uc774\ub77c\ub294 \uac83\uc774 \ud604\ub300 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc774\ub860\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc740 \uc804\ud1b5\uc801\uc73c\ub85c \ubc18\ub300 \ubc29\ud5a5\uc73c\ub85c \uc6c0\uc9c1\uc774\ub294 \uacbd\ud5a5\uc774 \uc788\uc9c0\ub9cc, \uae08\ub9ac \uc815\ucc45\uc774 \uae09\ubcc0\ud558\uac70\ub098 \uae00\ub85c\ubc8c \uacbd\uc81c\uac00 \ubd88\ud655\uc2e4\ud574\uc9c8 \ub54c\ub294 \uc8fc\uc2dd, \ucc44\uad8c\uc774 \ub3d9\uc2dc\uc5d0 \ud558\ub77d\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uae08\uacfc \uac19\uc740 \uc6d0\uc790\uc7ac, \ubd80\ub3d9\uc0b0 \ub9ac\uce20, \ud639\uc740 \uc554\ud638\ud654\ud3d0 \ub4f1 \uc0c8\ub85c\uc6b4 \uc790\uc0b0\uad70\uc744 \uc18c\uc561\uc774\ub77c\ub3c4 \ud3b8\uc785\ud574\ub450\uc5b4 \uc2dc\ub098\ub9ac\uc624\ubcc4\ub85c \ub300\uc751\ud558\ub294 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc554\ud638\ud654\ud3d0\ub294 \ub9e4\uc6b0 \ub192\uc740 \ubcc0\ub3d9\uc131 \ub54c\ubb38\uc5d0 \uc544\uc9c1 \uc704\ud5d8\uc790\uc0b0\uc73c\ub85c \ubd84\ub958\ub418\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc73c\ub85c \ub514\uc9c0\ud138 \uc790\uc0b0 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uc608\uc0c1\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc740 \uc77c\uc815 \ubd80\ubd84 \ud3b8\uc785\ud574\ub450\ub294 \uacbd\uc6b0\uac00 \ub298\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\ucee8\ub300, 2023\ub144 \ud604\uc7ac \ube44\ud2b8\ucf54\uc778\uc740 \uae00\ub85c\ubc8c \uc2dc\uc7a5 \ubd88\uc548\uc815\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc77c\uc815 \ubd80\ubd84 \uac00\uce58 \uc0c1\uc2b9\uc744 \ubcf4\uc5ec\uc654\uc2b5\ub2c8\ub2e4. \ube44\ud2b8\ucf54\uc778 \ucc44\ud0dd\uc774 \ud655\uc0b0\ub418\uace0 ETF \uc2b9\uc778 \uac00\ub2a5\uc131\uc774 \uac70\ub860\ub418\ub294 \ub4f1, \uc81c\ub3c4\uad8c\uc5d0\uc11c\uc758 \uc218\uc694\uac00 \uc870\uae08\uc529 \ud655\ub300\ub418\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub77c\ub294 \ubd84\uc11d\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uac00\uaca9 \uae09\ub4f1\uacfc \uae09\ub77d\uc774 \ube48\ubc88\ud558\uae30\uc5d0, \uac10\ub2f9 \uac00\ub2a5\ud55c \ub9ac\uc2a4\ud06c \ubc94\uc704 \ub0b4\uc5d0\uc11c\ub9cc \ud3b8\uc785\ud574\uc57c \ud569\ub2c8\ub2e4. \ud575\uc2ec\uc740 \u2018\ub0b4\uac00 \uc5b4\ub5a4 \uc774\uc720\ub85c \uc774 \uc790\uc0b0\uc744 \ud3b8\uc785\ud558\uba70, \uc5bc\ub9c8\ub9cc\ud07c\uc744 \ubc30\ubd84\ud560 \uac83\uc778\uac00\u2019\ub97c \uba85\ud655\ud788 \ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \uace7 \ud22c\uc790 \uc804\ub7b5\uacfc \uc6d0\uce59\uc744 \uc9c0\ud0a4\ub294 \uacfc\uc815\uc5d0\uc11c \ubc18\ub4dc\uc2dc \uace0\ubbfc\ud574\uc57c \ud560 \uc9c0\uc810\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ubd84\uc0b0\ud22c\uc790\ub9cc\ud07c \uc911\uc694\ud55c \uac83\uc774 \u2018\ub9ac\ubc38\ub7f0\uc2f1\u2019\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc8fc\uc2dd 50%, \ucc44\uad8c 30%, \ud604\uae08 20%\ub85c \uc2dc\uc791\ud588\ub2e4\uace0 \uac00\uc815\ud574\ubd05\uc2dc\ub2e4. \uc2dc\uc7a5 \ud638\ud669\uc73c\ub85c \uc8fc\uc2dd \ube44\uc911\uc774 60%\uae4c\uc9c0 \ub298\uc5b4\ub098\uace0, \ucc44\uad8c \ube44\uc911\uc774 25%, \ud604\uae08\uc774 15%\ub85c \uc904\uc5b4\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uadf8\ub300\ub85c \ub450\uba74 \ud5a5\ud6c4 \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ud3ed\ub77d\ud588\uc744 \ub54c \ud0c0\uaca9\uc774 \ub354 \ucee4\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc804\ubb38\uac00\ub4e4\uc740 \uc77c\uc815 \uc8fc\uae30\ub9c8\ub2e4 \uc790\uc0b0 \ube44\uc911\uc744 \ub2e4\uc2dc \uc6d0\ub798 \ube44\uc728\ub85c \ub9de\ucd94\ub294 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \ubb3c\ub860, \uc0c1\ud669\uc5d0 \ub530\ub77c \uc77c\ubd80 \uc804\ub7b5\uc801 \ubcc0\uacbd\uc774 \ud544\uc694\ud560 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \uae30\ubcf8\uc801\uc73c\ub85c \uc9c0\ub098\uce5c \uc3e0\ub9bc\uc744 \ubc29\uc9c0\ud558\uace0 \uafb8\uc900\ud55c \uc218\uc775 \uad6c\uc870\ub97c \uac16\ucd94\uae30 \uc704\ud568\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub354 \ub098\uc544\uac00, \uace0\uc218\ub4e4\uc740 \u2018\uc139\ud130 \ub85c\ud14c\uc774\uc158(Sector Rotation)\u2019 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc2dc\uc7a5 \uc8fc\ub3c4 \uc139\ud130\uac00 \ubcc0\ud654\ud560 \ub54c\ub9c8\ub2e4 \uc801\uc808\ud788 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc744 \ubcc0\uacbd\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc9c0\ub09c \uba87 \ub144\uac04\uc740 IT\uc640 \ubc14\uc774\uc624 \uc139\ud130\uac00 \uc2dc\uc7a5\uc744 \uacac\uc778\ud588\uc9c0\ub9cc, \uc774\ud6c4 \uacbd\uae30 \ud68c\ubcf5 \uc2dc\uc810\uc5d0\ub294 \uacbd\uae30\ubbfc\uac10\uc8fc(\uae08\uc735, \uc5d0\ub108\uc9c0, \uc0b0\uc5c5\uc7ac \ub4f1)\uac00 \ub2e4\uc2dc \ubd80\uc0c1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f4 \ub54c, \ubbf8\ub9ac \uc0b0\uc5c5 \uc0ac\uc774\ud074\uacfc \ub9e4\ud06c\ub85c \uacbd\uc81c \uc9c0\ud45c\ub97c \uc0b4\ud3b4\ubcf4\uba74\uc11c \uc790\uc2e0\uc774 \ubcf4\uc720\ud55c \uc790\uc0b0\uc744 \uac80\ud1a0\ud558\uace0, \uc139\ud130 \ube44\uc911\uc744 \uc7ac\ubc30\ubd84\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ub2e8, \uc774 \uc5ed\uc2dc \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc744 \uc644\ubcbd\ud788 \ub9de\ucd94\ub294 \uac83\uc774 \ubd88\uac00\ub2a5\ud568\uc744 \uc804\uc81c\ub85c \ud574\uc57c \ud558\uba70, \uc123\ubd80\ub978 \uc774\ub3d9\uc740 \uc624\ud788\ub824 \uc190\uc2e4\uc744 \ud0a4\uc6b8 \uc218 \uc788\uc74c\uc744 \uba85\uc2ec\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc2e4\ubb34 \ucc28\uc6d0\uc5d0\uc11c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc124\uacc4\ud560 \ub54c, \uac04\ub2e8\ud55c \ucf54\ub4dc\ub098 \ud234\uc744 \ud65c\uc6a9\ud574 \uc2dc\ubbac\ub808\uc774\uc158\uc744 \ud574\ubcfc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \ud30c\uc774\uc36c(Python)\uc744 \uc774\uc6a9\ud558\uc5ec \uacfc\uac70 \uc2dc\uc7a5 \ub370\uc774\ud130\ub97c \ubd88\ub7ec\uc624\uace0, \ub2e4\uc591\ud55c \uc790\uc0b0 \ubc30\ubd84 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c\uc758 \uc218\uc775\ub960\uacfc \ubcc0\ub3d9\uc131\uc744 \uacc4\uc0b0\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\ub294 \ubcf5\ub9ac \uc774\uc790(Compound Interest)\ub97c \uacc4\uc0b0\ud558\ub294 \uac04\ub2e8\ud55c \uc608\uc2dc \ucf54\ub4dc\uc785\ub2c8\ub2e4:\n<\/p>\n<p><pre><code>\n# \ud30c\uc774\uc36c\uc5d0\uc11c \ubcf5\ub9ac \uc774\uc790\ub97c \uacc4\uc0b0\ud558\ub294 \uac04\ub2e8\ud55c \uc608\uc2dc\n# \uc6d0\uae08: principal \/ \uc5f0\uc774\uc728: annual_rate \/ \ud22c\uc790\uae30\uac04: years \/ \ubcf5\ub9ac \uacc4\uc0b0 \uc8fc\uae30: 1\ub144 \ub2e8\uc704\n\ndef compound_interest(principal, annual_rate, years):\n    amount = principal * ((1 + annual_rate) ** years)\n    return amount\n\n# \uc608\uc2dc: 100\ub9cc\uc6d0\uc744 \uc5f0 7%\uc758 \uc774\uc790\ub85c 10\ub144 \ub3d9\uc548 \ud22c\uc790\ud588\uc744 \ub54c\ninitial_principal = 1000000\nrate = 0.07\ntime_period = 10\n\nfinal_amount = compound_interest(initial_principal, rate, time_period)\nprint(f\"\ucd5c\uc885 \uae08\uc561: {final_amount}\uc6d0\")\n<\/code><\/pre>\n<\/p>\n<p>\n\uc774\ub7f0 \uc2dd\uc73c\ub85c \uacfc\uac70 \ub370\uc774\ud130\uc758 \ud3c9\uade0 \uc0c1\uc2b9\ub960\uc744 \uac00\uc815\ud558\uace0, \uc5ec\ub7ec \uc790\uc0b0\uc744 \uc870\ud569\ud588\uc744 \ub54c \uc5bc\ub9c8\ub098 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub294\uc9c0 \uac00\ub2a0\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c\ub294 \uac1c\ubcc4 \uc790\uc0b0\uc758 \uc218\uc775\ub960\uc774 \ub9e4\ud574 \ub2ec\ub77c\uc9c0\uace0, \uac01 \uc790\uc0b0 \uac04 \uc0c1\uad00\uad00\uacc4 \uc5ed\uc2dc \ubcc0\ub3d9\ud558\uae30 \ub54c\ubb38\uc5d0 \ub2e8\uc21c \uacc4\uc0b0\uc73c\ub85c\ub294 \ubd88\ucda9\ubd84\ud558\uc9c0\ub9cc, \uc801\uc5b4\ub3c4 \uae30\ucd08\uc801\uc778 \uc774\ud574\uc640 \uc2dc\ubbac\ub808\uc774\uc158\uc744 \ud1b5\ud574 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \ub3c4\uc6c0\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub05d\uc73c\ub85c, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc740 \ub2e8\uc21c\ud788 \uc218\uc775 \ucd5c\ub300\ud654\uac00 \ubaa9\uc801\uc774 \uc544\ub2c8\ub77c, \u2018\uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uad6c\uc870\ub97c \ud655\ubcf4\ud558\uba74\uc11c\ub3c4 \uc7a5\uae30 \uc131\uc7a5\uc744 \ub178\ub9ac\ub294 \uac83\u2019\uc774\ub77c\uace0 \uc815\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5b4\ub290 \uc815\ub3c4\uc758 \ud604\uae08\uc744 \ubcf4\uc720\ud574 \ub450\uc5b4 \uc720\ub3d9\uc131 \uc704\uae30\uc5d0 \ub300\ube44\ud558\uba74\uc11c, \ub3d9\uc2dc\uc5d0 \ubbf8\ub798 \uc131\uc7a5\uc131\uc774 \ub192\uc740 \ubd84\uc57c\uc5d0 \ud22c\uc790\ub97c \ubcd1\ud589\ud574\uc57c \ucd5c\uc801\uc758 \ud574\ub2f5\uc5d0 \uac00\uae4c\uc6cc\uc9d1\ub2c8\ub2e4. \uc774\ub807\ub4ef \ubd84\uc0b0\uacfc \uc9d1\uc911, \ub9ac\ubc38\ub7f0\uc2f1\uacfc \uc139\ud130 \ub85c\ud14c\uc774\uc158 \ub4f1 \ub2e4\uc591\ud55c \uc804\ub7b5\uc744 \uc801\uc808\ud788 \uc870\ud569\ud558\uc5ec \uc2a4\uc2a4\ub85c \ub0a9\ub4dd\ud560 \uc218 \uc788\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uac16\ucd94\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%ec%9e%a5%ea%b8%b0%ec%a0%81-%ec%95%88%eb%aa%a9%ea%b3%bc-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-JBAdzdLqQq\">\uc139\uc158 4: \uc7a5\uae30\uc801 \uc548\ubaa9\uacfc \ucd5c\uadfc \ub3d9\ud5a5<\/h2>\n<p>\n\uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uacfc \uc774\uc57c\uae30\ub97c \ub098\ub204\ub2e4 \ubcf4\uba74, \uadf8\ub4e4\uc740 \ub300\ubd80\ubd84 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc744 \uac15\uc870\ud55c\ub2e4\ub294 \uacf5\ud1b5\uc810\uc744 \ubc1c\uacac\ud558\uac8c \ub429\ub2c8\ub2e4. \ub2e8\uae30\uac04\uc758 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \uc77c\ud76c\uc77c\ube44\ud558\uc9c0 \uc54a\uace0 \ud070 \ud750\ub984\uc744 \uc77d\uc73c\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \uafb8\uc900\ud788 \uc218\uc775\uc744 \uc313\uc544\uac00\uaca0\ub2e4\ub294 \ucca0\ud559\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 10\ub144 \ud6c4 \uadf8\ub9ac\uace0 20\ub144 \ud6c4\ub97c \ubc14\ub77c\ubd24\uc744 \ub54c \uc5b4\ub5a4 \uc0b0\uc5c5\uc774 \uc0b4\uc544\ub0a8\uace0 \uc131\uc7a5\ud560 \uac83\uc778\uc9c0, \uadf8\ub9ac\uace0 \uadf8 \uac00\uc6b4\ub370\uc5d0\uc11c \uacbd\uc7c1\uc6b0\uc704\ub97c \uc9c0\ub2cc \uae30\uc5c5\uc774 \ubb34\uc5c7\uc778\uc9c0\ub97c \ucc3e\uc73c\ub824 \ub178\ub825\ud569\ub2c8\ub2e4. \ub4a4\uc9d1\uc5b4\ubcf4\uba74, \ub2e8\uae30 \ud2b8\ub808\uc774\ub529\uc73c\ub85c \u2018\ud55c \ubc29\u2019\uc744 \ub178\ub9ac\ub294 \uc2dc\ub3c4\ub294 \uc624\ud788\ub824 \uc6b4\uc5d0 \uc758\uc874\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc73c\ubbc0\ub85c, \uace0\uc218\ub4e4\uc740 \uadf8\ubcf4\ub2e4\ub294 \uc7a5\uae30 \ud22c\uc790 \uad00\uc810\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uc804\ub7b5\uc744 \uc138\uc6c1\ub2c8\ub2e4.\n<\/p>\n<p>\n\ucd5c\uadfc \ub9ce\uc740 \ud22c\uc790 \uc804\ubb38\uac00\ub4e4\uc774 \uac15\uc870\ud558\ub294 \ud0a4\uc6cc\ub4dc\ub294 ESG(\ud658\uacbd\u00b7\uc0ac\ud68c\u00b7\uc9c0\ubc30\uad6c\uc870) \ud22c\uc790, \uadf8\ub9ac\uace0 4\ucc28 \uc0b0\uc5c5\ud601\uba85 \uad00\ub828 \uae30\uc220 \ud14c\ub9c8\uc785\ub2c8\ub2e4. \uae30\ud6c4 \ubcc0\ud654\uac00 \uc9c0\uc18d\uc801\uc73c\ub85c \uc778\ub958\uc758 \uacfc\uc81c\ub85c \ubd80\uc0c1\ud568\uc5d0 \ub530\ub77c, \uce5c\ud658\uacbd \uc0b0\uc5c5\uc774\ub098 \uc2e0\uc7ac\uc0dd\uc5d0\ub108\uc9c0 \ubd84\uc57c\ub294 \uc624\ub798\ub41c \uc11d\uc720\u00b7\uac00\uc2a4 \ub300\ube44 \ub300\uccb4 \ubd88\uac00\ud55c \uc2dc\uc7a5 \uac00\uce58\ub97c \uac00\uc9c0\uac8c \ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ub610\ud55c \uc778\uacf5\uc9c0\ub2a5(AI), \ube45\ub370\uc774\ud130, \ud074\ub77c\uc6b0\ub4dc\uc640 \uac19\uc740 \ucca8\ub2e8 \ubd84\uc57c \uc5ed\uc2dc 2023\ub144 \uc774\ud6c4 \uc9c0\uc18d\uc801\uc73c\ub85c \ud601\uc2e0\uc744 \uc774\ub04c\uc5b4\uac08 \ud575\uc2ec \ub3d9\ub825\uc73c\ub85c \uaf3d\ud799\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc73c\ub85c \uc774\ub7f0 \ubbf8\ub798 \uc9c0\ud5a5\uc801 \uc0b0\uc5c5\uc5d0 \ud22c\uc790\ud574 \ub450\uba74, \uc870\uc815\uae30\uac00 \uc624\ub354\ub77c\ub3c4 \uacb0\uad6d\uc740 \ub2e4\uc2dc \uc6b0\uc0c1\ud5a5 \uace1\uc120\uc744 \uadf8\ub9b4 \ud655\ub960\uc774 \ub192\ub2e4\ub294 \ubd84\uc11d\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc2e4\uc81c\ub85c \ud14c\uc2ac\ub77c(Tesla)\uc758 \uc608\ub9cc \ubcf4\ub354\ub77c\ub3c4, \ucd08\uae30 \uc804\uae30\ucc28 \uc2dc\uc7a5\uc774 \ub9c9\ub9c9\ud574 \ubcf4\uc774\ub358 \uc2dc\uc808 \uc7a5\uae30 \ud22c\uc790\uc5d0 \ub4e4\uc5b4\uac04 \uc0ac\ub78c\ub4e4\uc740 \ud604\uc7ac \uc0c1\ub2f9\ud55c \uc218\uc775\uc744 \ub204\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uadf8 \uacfc\uc815\uc5d0\uc11c\ub294 \uc218\ucc28\ub840\uc758 \ud3ed\ub77d\uacfc \uc2dc\uc7a5 \ud68c\uc758\ub860\uc774 \uc788\uc5c8\uc9c0\ub9cc, \ud14c\uc2ac\ub77c\uac00 \uc804\uae30\ucc28 \uc2dc\uc7a5\uc5d0\uc11c \uc120\ub3c4\uc801\uc778 \uc785\uc9c0\ub97c \uad6c\ucd95\ud558\uace0 \ubc30\ud130\ub9ac \uae30\uc220 \uac1c\ubc1c\uc5d0 \uc801\uadf9\uc801\uc778 \ud22c\uc790\ub85c \uacbd\uc7c1 \uc6b0\uc704\ub97c \ud655\ub9bd\ud574\ub098\uac04 \ub355\ubd84\uc5d0 \ud22c\uc790\uc790\ub4e4\ub3c4 \uc774\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uac8c \ub41c \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \u2018\uae30\uc5c5\uc758 \ube44\uc804\u2019\uc744 \ubcf4\uace0 \uc7a5\uae30 \ubcf4\uc720\ud55c \uc0ac\ub840\ub85c \uaf3d\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2f9\uc7a5 \ub208\uc55e\uc758 \uc7ac\ubb34\uc9c0\ud45c\uac00 \ub9cc\uc871\uc2a4\ub7fd\uc9c0 \uc54a\ub354\ub77c\ub3c4, \ubbf8\ub798 \uac00\ub2a5\uc131\uc774 \ud655\uc2e4\ud55c \uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ud070 \uc218\uc775\uc744 \ub0bc \uc218 \uc788\ub294 \uae30\ud68c\uac00 \ub418\uace4 \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc7a5\uae30 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc8fc\uc758\ud574\uc57c \ud560 \uac83\uc740, \u2018\uc624\ub7ab\ub3d9\uc548 \ubcf4\uc720\ud55c\ub2e4\uace0 \ud574\uc11c \ubb34\uc870\uac74 \uc131\uacf5\uc774 \ubcf4\uc7a5\ub418\ub294 \uac83\uc740 \uc544\ub2c8\ub2e4\u2019\ub77c\ub294 \uc810\uc785\ub2c8\ub2e4. \uc7a5\uae30 \ud22c\uc790\ub97c \uc804\uc81c\ub85c \uc811\uadfc\ud588\uc9c0\ub9cc, \uae30\uc5c5\uc758 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc774 \uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \uc801\uc751\ud558\uc9c0 \ubabb\ud558\uace0 \uc1e0\ub77d\ud558\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uacfc\uac70\uc5d0 \ud55c\ub54c\ub294 \ub300\ub2e8\ud588\ub358 \uc804\uc790\uae30\uae30 \uc81c\uc870\uc5c5\uccb4\ub098, \ub0b4\uc5f0\uae30\uad00 \uc790\ub3d9\ucc28 \uc5c5\uccb4 \uc911 \uc77c\ubd80\uac00 \uc804\uae30\ucc28\ub098 \uc18c\ud504\ud2b8\uc6e8\uc5b4 \uc911\uc2ec\uc758 \ud328\ub7ec\ub2e4\uc784 \ubcc0\ud654\uc5d0 \uc81c\ub300\ub85c \ub300\uc751\ud558\uc9c0 \ubabb\ud574 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uc0ac\ub840\uac00 \uc774\ub97c \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uacb0\uad6d, \uc7a5\uae30 \ud22c\uc790\ub97c \ud558\ub354\ub77c\ub3c4 \uc218\uc2dc\ub85c \uae30\uc5c5\uc758 \ud380\ub354\uba58\ud138\uacfc \uc2dc\uc7a5 \uacbd\uc7c1\ub825\uc744 \uc810\uac80\ud558\uace0, \ubcc0\ud654\uac00 \ud0d0\uc9c0\ub418\uba74 \uacfc\uac10\ud788 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c \uc81c\uc678\ud558\ub294 \uc720\uc5f0\uc131\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub610\ud55c, \ucd5c\uc2e0 \ub3d9\ud5a5\uc744 \uce90\uce58\ud558\uae30 \uc704\ud574\uc11c\ub294 \uae00\ub85c\ubc8c \uacbd\uc81c \ub274\uc2a4, \uc815\ucc45 \ubcc0\ud654, \uadf8\ub9ac\uace0 \uac01\uc885 \uc9c0\ud45c\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uc758 \uae08\ub9ac \uc815\ucc45\uc740 \uc804 \uc138\uacc4 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uace0, \uc911\uad6d\uc758 \uacbd\uc81c\ubd09\uc1c4 \ud574\uc81c\ub098 \uc720\ub7fd\uc758 \uc2e0\uc7ac\uc0dd\uc5d0\ub108\uc9c0 \uad00\ub828 \ubcf4\uc870\uae08 \uc815\ucc45 \ub4f1\ub3c4 \ud2b9\uc815 \uc0b0\uc5c5\uc5d0 \uacb0\uc815\uc801 \ubcc0\ud654\ub97c \ubd88\ub7ec\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2023\ub144 \ub4e4\uc5b4\uc11c \uae08\ub9ac \uc778\uc0c1 \uc18d\ub3c4\uac00 \ub454\ud654\ud560 \uac83\uc774\ub77c\ub294 \uae30\ub300\uac10\uc774 \ub192\uc544\uc9c0\uba74\uc11c, \ud14c\ud06c\uc8fc\uac00 \ub2e4\uc2dc \ubc18\ub4f1\ud558\uae30 \uc2dc\uc791\ud55c \ud750\ub984\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ud2b8\ub9ac\uac70 \uc694\uc778\ub4e4\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud558\uace0, \uc790\uc2e0\uc758 \uc7a5\uae30 \uc804\ub7b5\uc5d0 \ubd80\ud569\ud558\ub294\uc9c0 \uc7ac\uc810\uac80\ud558\ub294 \uacfc\uc815\uc744 \ubc1f\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud575\uc2ec\uc740, \uc7a5\uae30 \ud22c\uc790\ub97c \ud55c\ub2e4\ub294 \uc774\uc720\ub85c \uc2dc\uc7a5 \uc815\ubcf4\ub97c \ubb34\uc2dc\ud558\uac70\ub098, \ubcc0\ud654\ub97c \ubc1b\uc544\ub4e4\uc774\uae38 \ub450\ub824\uc6cc\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc7a5\uae30 \ud22c\uc790\ub294 \ub2e8\uc21c\ud788 \u2018\uc0ac\ub193\uace0 \uac00\ub9cc\ud788 \uae30\ub2e4\ub9ac\ub294 \uac83\u2019\uc774 \uc544\ub2c8\ub77c, \uc9c0\uc18d\uc801\uc73c\ub85c \uc2dc\uc7a5\uacfc \uae30\uc5c5\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0, \ud544\uc694\ud558\uba74 \uc804\ub7b5\uc744 \uc218\uc815\ud558\ub294 \u2018\ub2a5\ub3d9\uc801 \ud0dc\ub3c4\u2019\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \uc6cc\ub7f0 \ubc84\ud54f \uc5ed\uc2dc \u2018\uc601\uc6d0\ud788 \ubcf4\uc720\ud558\ub824\ub294 \ub9c8\uc74c\uc73c\ub85c \ub9e4\uc218\ud558\ub77c\u2019 \ub77c\uace0 \ub9d0\ud588\uc9c0\ub9cc, \uadf8\uac00 \uc804\ud600 \ub9e4\ub3c4\ud558\uc9c0 \uc54a\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud68c\uc0ac\uc758 \ud380\ub354\uba58\ud138\uc774 \ud6fc\uc190\ub418\uc5c8\uac70\ub098, \ub354 \uc88b\uc740 \uae30\ud68c\uac00 \uc0dd\uacbc\uc744 \ub54c\ub294 \uc801\uc808\ud788 \uc790\uc0b0\uc744 \uc7ac\ubc30\uce58\ud569\ub2c8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c, \uc7a5\uae30 \ud22c\uc790\uc640 \ucd5c\uc2e0 \ub3d9\ud5a5 \ud30c\uc545\uc740 \uc11c\ub85c \ubcf4\uc644\uad00\uacc4\uc5d0 \uc788\ub2e4\ub294 \uac83\uc744 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ucd5c\uadfc \ub3d9\ud5a5 \uc911 \ud558\ub098\ub85c, \uc778\uacf5\uc9c0\ub2a5(AI) \ubd84\uc57c\uac00 2023\ub144 \ud06c\uac8c \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ucc57\ubd07\uc774\ub098 \uc790\uc728\uc8fc\ud589, \uace0\uae09 \ub370\uc774\ud130 \ubd84\uc11d \ub4f1\uc5d0 AI\uac00 \ud070 \uc5ed\ud560\uc744 \ud558\uba74\uc11c, \uad00\ub828 \ubc18\ub3c4\uccb4 \uae30\uc5c5 \ubc0f \uc18c\ud504\ud2b8\uc6e8\uc5b4 \uae30\uc5c5\ub4e4\uc758 \uc2e4\uc801 \uc804\ub9dd\uc774 \ubc1d\uc544\uc9c0\uace0 \uc788\ub2e4\ub294 \ubd84\uc11d\ub3c4 \ub098\uc635\ub2c8\ub2e4. \uc774\ub97c \uc7a5\uae30\uc801 \uc548\ubaa9\uc5d0\uc11c \ubcf8\ub2e4\uba74, AI\ub97c \ud65c\uc6a9\ud558\ub294 \uae30\uc5c5\ub4e4\uc774 \uc55e\uc73c\ub85c \ub354\uc6b1 \uc99d\uac00\ud560 \uac83\uc774\uace0, \uacbd\uc7c1 \uad6c\ub3c4\uac00 \uc2ec\ud654\ub418\uba74\uc11c \uae30\uc220 \ud45c\uc900\uc744 \ub204\uac00 \uc120\uc810\ud558\ub294\uc9c0\uac00 \uc911\uc694\ud574\uc9c8 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc790\ubcf8\uc774 \uc788\ub294 \ub300\uae30\uc5c5, \ud639\uc740 \ub3c5\uc790\uc801\uc778 AI \ud50c\ub7ab\ud3fc\uc744 \uc9c0\ub2cc \uc5c5\uacc4 \uc120\ub450\uc8fc\uc790\uc5d0\uac8c \uae30\ud68c\uac00 \ub9ce\uc744 \uac83\uc774\ub77c \ud310\ub2e8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud55c\ud3b8, \uc0ac\ud68c \uc778\uad6c \uad6c\uc870\uc758 \ubcc0\ud654\ub3c4 \uc7a5\uae30\uc801 \ud22c\uc790 \ud14c\ub9c8\uc758 \uc911\uc694\ud55c \ucd95\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \ud55c\uad6d\uc744 \ud3ec\ud568\ud574 \uc120\uc9c4\uad6d\uc5d0\uc11c\ub294 \uc800\ucd9c\uc0b0\u00b7\uace0\ub839\ud654\uac00 \uc9c4\ud589\ub418\uba74\uc11c \uc758\ub8cc \uc0b0\uc5c5, \uc2e4\ubc84\uc0b0\uc5c5 \ub4f1\uc744 \uc8fc\ubaa9\ubc1b\uac8c \ub9cc\ub4e4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \uc758\ub8cc\uae30\uae30, \uc81c\uc57d, \ubc14\uc774\uc624\ud14c\ud06c \uae30\uc5c5\ub4e4\uc774 \uc5f0\uae08 \uc81c\ub3c4\ub098 \ub178\uc778 \uc758\ub8cc\ube44 \uc9c0\uc6d0 \uc815\ucc45\uc758 \ud655\ub300\ub85c \uc778\ud574 \ub354 \ud070 \uae30\ud68c\ub97c \uc5bb\uc744 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc740 \uc774\ub7f0 \u2018\uc778\uad6c \uad6c\uc870\uc801 \ubcc0\ud654\u2019 \uc5ed\uc2dc \uac04\uacfc\ud558\uc9c0 \uc54a\uc73c\uba70, \uc774\ub97c \uae30\ubc18\uc73c\ub85c \ud5a5\ud6c4 10~20\ub144\uc5d0 \uac78\uccd0 \uc131\uc7a5\ud560 \uc0b0\uc5c5\uc744 \ubbf8\ub9ac \uc120\uc810\ud558\ub824\uace0 \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \uc5ed\uc2dc \uc7a5\uae30\uc801 \uad00\uc810\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \uae08\ub9ac \uc778\uc0c1\uae30\uc5d0\ub294 \ubcf4\ud1b5 \ubd80\ub3d9\uc0b0 \uac00\uaca9\uc774 \uc555\ubc15\uc744 \ubc1b\uc9c0\ub9cc, \uc5b4\ub290 \uc2dc\uc810\ubd80\ud130 \uae08\ub9ac \uc815\ucc45\uc774 \uc644\ud654\ub418\uba74 \ub2e4\uc2dc \ubc18\ub4f1\uc758 \uae30\ud68c\ub97c \uc7a1\uac8c \ub429\ub2c8\ub2e4. \ub3c4\uc2dc\ud654 \ucd94\uc138\uac00 \uc774\uc5b4\uc9c0\ub294 \uc9c0\uc5ed, \uc778\ud504\ub77c\uac00 \ud655\ucda9\ub418\ub294 \uc9c0\uc5ed, \ud639\uc740 \uaddc\uc81c \uc644\ud654\uc758 \uc218\ud61c\ub97c \uc785\uc744 \uc218 \uc788\ub294 \uacf3\uc744 \uc7a5\uae30\uc801\uc73c\ub85c \ubb3c\uc0c9\ud574 \ub193\uc740 \ub4a4, \uc801\uc808\ud55c \uc2dc\uc810\uc5d0 \ub9e4\uc785\ud558\ub294 \ubc29\uc2dd\uc744 \ucde8\ud569\ub2c8\ub2e4. \ub610\ud55c REITs(\ubd80\ub3d9\uc0b0\ud22c\uc790\uc2e0\ud0c1)\ub97c \ud65c\uc6a9\ud558\uba74 \uc18c\uc561\uc73c\ub85c\ub3c4 \uc8fc\uc694 \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0\uc758 \uc784\ub300 \uc218\uc775\uc744 \ub098\ub220\uac00\uc9c8 \uc218 \uc788\uc5b4, \ubd84\uc0b0\ud22c\uc790 \uce21\uba74\uc5d0\uc11c\ub3c4 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc2dd\uc73c\ub85c \ucd5c\uc2e0 \uc815\ucc45 \uae30\uc870\uc640 \uc778\uad6c \ub3d9\ud5a5, \uae08\ub9ac \ud750\ub984\uc744 \uc885\ud569\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\ub294 \uac83\uc774 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0\uc11c\ub3c4 \ub9e4\uc6b0 \uc911\uc694\ud55c \ubd80\ubd84\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uacb0\ub860\uc801\uc73c\ub85c, \uc7a5\uae30\uc801 \uc548\ubaa9\uc740 \ub2e8\uc21c\ud788 \uc2dc\uac04\uc744 \uc624\ub798 \ub04c\uace0 \uac00\ub294 \uac83\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc5d0\uc11c \ubc8c\uc5b4\uc9c0\ub294 \uc81c\ubc18 \uc774\uc288\uc640 \uae30\uc220 \ud2b8\ub80c\ub4dc, \uc778\uad6c \uad6c\uc870, \uc815\ucc45 \ubcc0\ud654\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \uccb4\ud06c\ud558\uba74\uc11c\ub3c4, \uae30\ubcf8\uc801 \ubd84\uc11d\uc744 \ud1b5\ud574 \ud22c\uc790 \ub300\uc0c1\uc758 \uacbd\uc7c1 \uc6b0\uc704\ub97c \ud3c9\uac00\ud558\ub294 \ub2a5\ub825\uacfc \uacb0\ud569\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \uc720\ub9dd\ud55c \ubd84\uc57c\ub97c \ucc3e\uc544\ub0b4\uace0, \uadf8 \ubd84\uc57c \uc548\uc5d0\uc11c \uc2b9\uc790 \uae30\uc5c5\uc744 \uace8\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ud3b8\uc785\ud558\uace0 \uc9c0\uc18d\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud55c\ub2e4\uba74, \ub2e8\uae30\uc801 \ubcc0\ub3d9\uc131\uc5d0\ub3c4 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \ud0c4\ud0c4\ud55c \uc218\uc775 \uad6c\uc870\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc774\uac83\uc774 \ubc14\ub85c \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc774 \uafb8\uc900\ud788 \uac15\uc870\ud574\uc628 \u2018\uc7a5\ud22c\u2019\uc758 \uc9c4\uc815\ud55c \uac00\uce58\uc774\uc790, \ucd5c\uadfc \ub3d9\ud5a5 \uc18d\uc5d0\uc11c\ub3c4 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uc744 \uc218 \uc788\ub294 \uc774\uc720\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub05d\uc73c\ub85c, \uc774 \uae00\uc744 \uc694\uc57d\ud558\uc790\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc758 \ud22c\uc790 \uc6d0\uce59\uacfc \ucca0\ud559\uc740 \uacb0\uad6d, (1) \ud0c4\ud0c4\ud55c \ud22c\uc790 \uae30\ubcf8\uae30\uc640 \uacac\uace0\ud55c \uc6d0\uce59 \uc218\ub9bd, (2) \uccb4\uacc4\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \uc2ec\ub9ac\uc801 \uc548\uc815, (3) \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \uae30\uc220 \ubc0f \ubd84\uc0b0 \uc804\ub7b5, (4) \uc7a5\uae30\uc801 \uc548\ubaa9\uacfc \ucd5c\uc2e0 \ub3d9\ud5a5 \ud30c\uc545\uc774\ub77c\ub294 \ub124 \uac00\uc9c0 \ucd95\uc744 \uade0\ud615 \uc788\uac8c \uc7a1\ub294 \uac83\uc73c\ub85c \uadc0\uacb0\ub429\ub2c8\ub2e4. \uac01 \uc694\uc18c\uac00 \uc11c\ub85c \uc720\uae30\uc801\uc73c\ub85c \uc5f0\uacb0\ub418\uc5b4, \ud22c\uc790\uc790\uac00 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0 \uc77c\uad00\ub41c \ubc29\ud5a5\uc131\uc744 \uc720\uc9c0\ud558\uac8c \ub9cc\ub4e4\uba70, \uad81\uadf9\uc801\uc73c\ub85c\ub294 \uc548\uc815\uc801\uc774\uba74\uc11c\ub3c4 \uafb8\uc900\ud55c \uc218\uc775\uc744 \uc2e4\ud604\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uac83\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc7ac\ud14c\ud06c \uace0\uc218\ub4e4\uc774 \uacf5\uc720\ud558\ub294 \ud22c\uc790 \uc6d0\uce59\uacfc \ucca0\ud559\uc744 \ubc1c\uacac\ud558\uc138\uc694. \uc131\uacf5\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud55c \uc2e4\uc804 \ub178\ud558\uc6b0\uc640 \ud575\uc2ec \uc804\ub7b5\uc744 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