{"id":57308,"date":"2025-03-20T22:41:59","date_gmt":"2025-03-20T13:41:59","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-set-financial-goals-for-freshmen"},"modified":"2025-03-20T22:42:05","modified_gmt":"2025-03-20T13:42:05","slug":"how-to-set-financial-goals-for-freshmen","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-set-financial-goals-for-freshmen","title":{"rendered":"\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815 \ubc29\ubc95"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%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-%eb%b0%a9%eb%b2%95-JFjwHdeEEE\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815 \ubc29\ubc95<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-1-%ec%9e%ac%eb%ac%b4-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b8%b0%eb%b3%b8-%ea%b5%ac%ec%84%b1-%ec%9a%94%ec%86%8c-JFjwHdeEEE\">\uc139\uc158 1: \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \uc911\uc694\uc131\uacfc \uae30\ubcf8 \uad6c\uc131 \uc694\uc18c<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-2-%ec%b2%b4%ea%b3%84%ec%a0%81%ec%9d%b8-%ec%98%88%ec%82%b0-%ec%88%98%eb%a6%bd-%eb%b0%8f-%ec%86%8c%eb%b9%84-%ed%86%b5%ec%a0%9c-%ec%a0%84%eb%9e%b5-JFjwHdeEEE\">\uc139\uc158 2: \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd \ubc0f \uc18c\ube44 \ud1b5\uc81c \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-3-%ed%9a%a8%ec%9c%a8%ec%a0%81%ec%9d%b8-%eb%b6%80%ec%b1%84-%ea%b4%80%eb%a6%ac%ec%99%80-%ec%8b%a0%ec%9a%a9%eb%8f%84-%ed%96%a5%ec%83%81-%ec%a0%84%eb%9e%b5-JFjwHdeEEE\">\uc139\uc158 3: \ud6a8\uc728\uc801\uc778 \ubd80\ucc44 \uad00\ub9ac\uc640 \uc2e0\uc6a9\ub3c4 \ud5a5\uc0c1 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-4-%eb%aa%a9%ed%91%9c-%eb%8b%ac%ec%84%b1%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%eb%b0%8f-%ec%b5%9c%ec%8b%a0-%eb%8f%99%ed%96%a5-%eb%b0%98%ec%98%81-JFjwHdeEEE\">\uc139\uc158 4: \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \ud22c\uc790 \uc804\ub7b5 \ubc0f \ucd5c\uc2e0 \ub3d9\ud5a5 \ubc18\uc601<\/a><\/li>\n<li><a href=\"#%eb%a7%88%eb%ac%b4%eb%a6%ac-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d-%ec%9e%ac%eb%ac%b4-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ec%9d%98-%ed%95%b5%ec%8b%ac-%ec%9a%94%ec%95%bd-JFjwHdeEEE\">\ub9c8\ubb34\ub9ac: \uc0ac\ud68c \ucd08\ub144\uc0dd \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \ud575\uc2ec \uc694\uc57d<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title 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-%eb%b0%a9%eb%b2%95-JFjwHdeEEE\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815 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\uc9c0\uc2dd\uacfc\ub294 \ubcc4\uac1c\ub85c, \uc2e4\uc81c\ub85c \ub3c8\uc744 \ubc8c\uace0 \uc9c0\ucd9c\ud558\ub294 \uc0c1\ud669\uc774 \ub418\uba74 \uc81c\uc77c \uba3c\uc800 \ud6a8\uc728\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc5b4\ub5bb\uac8c \uc138\uc6cc\uc57c \ud560\uc9c0 \ub9c9\ub9c9\ud568\uc744 \ub290\ub07c\uc8e0. \uc774\ub54c \uc911\uc694\ud55c \uac83\uc740 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2e8\uc21c\ud788 \u201c\ub3c8\uc744 \ub9ce\uc774 \ubaa8\uc73c\uc790\u201d\ucc98\ub7fc \ucd94\uc0c1\uc801\uc73c\ub85c \ub450\uc9c0 \uc54a\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc774\uace0 \ub2ec\uc131 \uac00\ub2a5\ud55c \ubaa9\ud45c\ub97c \uc124\uc815\ud574\uc57c\ub9cc, \uc77c\uc0c1\uc5d0\uc11c \uc800\ucd95\uacfc \ud22c\uc790 \ubc0f \uc9c0\ucd9c \ud1b5\uc81c \ub4f1\uc758 \ub2e4\uc591\ud55c \ubc29\ubc95\uc744 \uc2e4\uc81c\ub85c \uc801\uc6a9\ud574\ubcfc \uc720\uc778\uc774 \uc0dd\uae41\ub2c8\ub2e4. \ud754\ud788 \uc7ac\ubb34 \ubaa9\ud45c\ub294 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\uc124\uc815\u2019\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 1\ub144 \ub0b4\uc5d0 \uc5bc\ub9c8\ub97c \ubaa8\uc73c\uaca0\ub2e4, 3\ub144 \ub0b4\uc5d0 \uc5b4\ub290 \uc815\ub3c4\uc758 \ud22c\uc790\ub97c \uc2e4\ud589\ud558\uaca0\ub2e4 \uac19\uc740 \uc2dd\uc73c\ub85c \uae30\uac04 \ub2e8\uc704\uac00 \uc124\uc815\ub418\uba74 \ucd94\uc801\uacfc \ud53c\ub4dc\ubc31\ub3c4 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub294 \u2018\uad6c\uccb4\uc801\uc778 \uae08\uc561 \uc124\uc815\u2019\uc785\ub2c8\ub2e4. \ubaa8\ud638\ud55c \ubaa9\ud45c\uc561 \ub300\uc2e0 \u201c\uc6d4\uae09\uc5d0\uc11c 50\ub9cc \uc6d0\uc529 \uc801\ub9bd\u201d, \u201c1\ub144\uc5d0 \ucd5c\uc18c 600\ub9cc \uc6d0 \uc800\ucd95\u201d \uac19\uc774 \uc218\uce58\ub85c \uc124\uc815\ud558\uba74 \uacc4\ud68d\uc758 \uc2e4\ud6a8\uc131\uc774 \ud55c\uce35 \uc62c\ub77c\uac11\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub294 \u2018\ud22c\uc790 \ubc0f \uc800\ucd95 \uc218\ub2e8 \uc120\ud0dd\u2019\uc785\ub2c8\ub2e4. \ub2e8\uc21c \uc608\uae08\ubd80\ud130 \uc8fc\uc2dd, \ucc44\uad8c, ETF, \uc801\ub9bd\uc2dd \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uc774 \uc788\uc73c\ubbc0\ub85c, \uc790\uc2e0\uc758 \uc131\ud5a5\uacfc \uc704\ud5d8 \uac10\ub0b4 \uc815\ub3c4\ub97c \uace0\ub824\ud574 \ubb34\uc5c7\uc744 \uc120\ud0dd\ud560\uc9c0 \uc0ac\uc804\uc5d0 \uacc4\ud68d\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \ub124 \ubc88\uc9f8 \uc694\uc18c\ub294 \u2018\uc0dd\ud65c\ube44\uc640 \ubd80\ucc44 \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \ud639\uc2dc \uc774\ubbf8 \ud559\uc790\uae08 \ub300\ucd9c\uc774\ub098 \uc2e0\uc6a9\ub300\ucd9c, \ub610\ub294 \ucc28\ub7c9 \ud560\ubd80\uae08 \ub4f1 \ub2e4\uc591\ud55c \ubd80\ucc44\uac00 \uc788\ub294 \uc0c1\ud669\uc774\ub77c\uba74 \uc774\uc790 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \uc6d0\uae08 \uc0c1\ud658\uc5d0 \uc9d1\uc911\ud558\uc5ec \uc7ac\ubb34 \uac74\uc804\uc131\ubd80\ud130 \ub192\uc774\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ub124 \uac00\uc9c0 \uc694\uc18c\ub97c \uae30\ubc18\uc73c\ub85c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uad6c\uc870\uc801\uc73c\ub85c \uc124\uc815\ud558\uba74 \ud6e8\uc52c \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ub300\ubd80\ubd84 \uae09\uc5ec \uc218\uc900\uc774 \ube44\uad50\uc801 \ub0ae\uace0, \uc9c0\ucd9c \uba74\uc5d0\uc11c\ub3c4 \uc18c\ube44\uc640 \uc808\uc57d\uc758 \uacbd\uacc4\uc120\uc744 \ucc3e\uae30 \uc5b4\ub824\uc6b8 \uac83\uc785\ub2c8\ub2e4. \ub9c9\uc0c1\uc529\uc774\uc6d4\ub418\ub294 \uc6d4\uae09\uc744 \ube60\ub974\uac8c \uc18c\uc9c4\ud558\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uadf8\ub798\uc11c \ub354\ub354\uc6b1, &#8216;\uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815&#8217;\uc774\ub77c\ub294 \uac1c\ub150\uc744 \ub418\uc0c8\uae30\uace0 \uc774\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uccb4\ud06c\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc5ec\ub193\uc544\uc57c 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\uc0dd\uae30\uace0 \uc990\uac70\uc6c0\ub3c4 \ub290\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc218\ub9bd\ud558\ub824\uba74 \uac1c\uc778\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uacfc \uac00\uce58\uad00\ub3c4 \ud568\uaed8 \uace0\ub824\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc77c\ubd80 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc9c1\uc7a5\uc0dd\ud65c \ucd08\uae30\uc5d0 \uc5ec\ud589 \uacbd\ud5d8\uc744 \ucda9\ubd84\ud788 \uc313\uac70\ub098 \uc790\uae30\uacc4\ubc1c\uc744 \uc704\ud574\uc11c \uacfc\uac10\ud788 \uc5b4\ub290 \uc815\ub3c4\uc758 \uae08\uc561\uc744 \uc9c0\ucd9c\ud558\uae38 \uc6d0\ud569\ub2c8\ub2e4. \uc989, \ub2e8\uc21c\ud788 \ubb34\uc791\uc815 \uc544\ub07c\uace0 \ubaa8\uc73c\uae30\ub9cc \ud558\uba74 \ubaa9\uc801 \uc5c6\ub294 \ud76c\uc0dd\ucc98\ub7fc \ub290\uaef4\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ubcf8\uc778\uc774 \ubb34\uc5c7\uc744 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud558\ub294\uac00\ub97c \uc6b0\uc120\uc21c\uc704\ub85c \ub450\ub294 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud574\uc678 \uc5b4\ud559 \uc5f0\uc218, \ub514\uc9c0\ud138 \ub178\ub9c8\ub4dc \uc2a4\ud0c0\uc77c\uc758 \uc6d0\uaca9 \uadfc\ubb34 \ub3c4\uc804, \ud639\uc740 \uc790\uaca9\uc99d \ucde8\ub4dd \ucf54\uc2a4 \uac19\uc740 \uc790\uae30\uacc4\ubc1c \uc601\uc5ed\uc5d0 \ud22c\uc790\ud558\ub294 \uc0c1\ud669\uc774\ub77c\uba74, \uadf8\uc5d0 \ub9de\ucd94\uc5b4 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \uac04 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \ud3b8\uc774 \ubcf4\ub2e4 \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ud569\ub9ac\uc801\uc778 \uc7ac\ubb34\uacc4\ud68d\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubb3c\ub860 \uc774\ub807\uac8c \ubaa9\ud45c\uc640 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc744 \ubcd1\ud589\ud558\ub824\uba74, \uadf8\ub9cc\ud07c \uc9c0\ucd9c\uc774 \ub298\uae30 \ub54c\ubb38\uc5d0 \ub354\uc6b1 \uaf3c\uaf3c\ud55c \uacc4\ud68d\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc5ec\ud589\uacfc \uc5ec\uc720\uc790\uae08, \uc800\ucd95\uacfc \ud22c\uc790\ube44\uc6a9 \ub4f1 \ud558\ub098\ud558\ub098\ub97c \ud56d\ubaa9\ubcc4\ub85c \uc0b0\uc815\ud558\uace0, \uc77c\uc815 \ubd80\ubd84 \uc870\uc815\uc774 \uac00\ub2a5\ud558\ub3c4\ub85d \uc735\ud1b5\uc131\uc744 \ub0a8\uaca8\ub450\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \u201c\uc62c\ud574 \ud574\uc678\uc5ec\ud589\uc5d0 300\ub9cc \uc6d0 \uc9c0\ucd9c, \ub9e4\uc6d4 \uc801\uae08 40\ub9cc \uc6d0, \uc8fc\uc2dd\uc774\ub098 \ud380\ub4dc \ud22c\uc790 20\ub9cc \uc6d0\u201d\ucc98\ub7fc \uc138\ubd84\ud654\ub41c \ubaa9\ud45c\uac00 \uc788\ub2e4\uba74, \uc2e4\ubb34\uc5d0\uc11c\ub3c4 \uac01 \ubd84\uc57c\uc5d0 \ucda9\uc2e4\ud568\uacfc \ub3d9\uc2dc\uc5d0 \uc804\uccb4 \uc7ac\ubb34 \ud750\ub984\uc744 \ub193\uce58\uc9c0 \uc54a\uac8c \ub429\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc9c0\ucd9c\uc774 \ub9ce\uc558\ub358 \ub2ec\uc5d0\ub294 \ub2e4\uc74c \ub2ec\uc5d0 \uc9c0\ucd9c\uc744 \uc904\uc774\uac70\ub098 \ucd94\uac00 \uc218\uc775 \ucc3d\ucd9c \ubc29\ubc95\uc744 \ucc3e\ub294 \ub4f1, \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c1\uc7a5\uc0dd\ud65c \ucd08\uae30\uc5d0\ub294 \uc544\uc9c1 \uae09\uc5ec\uac00 \ub192\uc9c0 \uc54a\uc544 \ub300\uaddc\ubaa8 \uae08\uc561 \ud22c\uc790\ub97c \uc2dc\uc791\ud558\uae30 \uc5b4\ub835\ub2e4\uace0 \uc0dd\uac01\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub7f4 \ub54c\uc77c\uc218\ub85d \u201c\uc2dc\uac04\uc758 \uac00\uce58\u201d\uac00 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ub300\ud45c\uc801\uc778 \uc608\uc2dc\ub85c \ubcf5\ub9ac \ud6a8\uacfc\uac00 \uc788\ub294\ub370, \uc801\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uc7a5\uae30\uac04 \uafb8\uc900\ud788 \ud22c\uc790\ud558\uba74 \ubcf5\ub9ac\ub85c \uc778\ud574 \uc790\uc0b0\uc774 \uc608\uc0c1\ubcf4\ub2e4 \ud06c\uac8c \ubd88\uc5b4\ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 10\ub9cc \uc6d0\uc529 \uc801\ub9bd\uc2dd \ud380\ub4dc\uc5d0 10\ub144\uac04 \ud22c\uc790\ud55c\ub2e4\uba74, \ub2e8 \uae30\uac04 \ub0b4 \uc218\uc775\uc740 \ud06c\uc9c0 \uc54a\ub354\ub77c\ub3c4 \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc6d0\uae08 \uc774\uc0c1\uc758 \uc790\uc0b0\uc744 \uc313\uc744 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \uc774\ub7f0 \uba74\uc5d0\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc2dc\uc791\ud558\ub294 \uc801\ub9bd\uc2dd \ud22c\uc790\ub098 \uc5f0\uae08\uc800\ucd95\uc740 \ub098\uc911\uc5d0 \ud070 \uc7ac\uc0b0 \ud615\uc131\uc758 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ud1b5\uacc4\ub97c \ubcf4\uba74, \ud55c\uad6d \uccad\ub144\uce35(20~30\ub300)\uc758 \uc8fc\uc2dd \uc2dc\uc7a5 \uc9c4\uc785 \ube44\uc728\uc774 \uacfc\uac70\ubcf4\ub2e4 \ub208\uc5d0 \ub744\uac8c \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4. \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \uae30\uac04\uc744 \uac70\uce58\uba70 \uc8fc\uc2dd, ETF, \uc554\ud638\ud654\ud3d0 \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790\uc790\uc0b0\uc5d0 \uad00\uc2ec\uc774 \ucee4\uc9c4 \ud604\uc0c1\uc774 \ubc18\uc601\ub41c \uac83\uc73c\ub85c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ube44\ub85d \uae08\uc735\uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \ucd5c\uadfc \ub9e4\uc6b0 \ucee4\uc84c\uc9c0\ub9cc, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc774\ub7ec\ud55c \uc7a5\u00b7\ub2e8\uae30 \ucd94\uc138\ub97c \ub208\uc5ec\uaca8\ubcf4\uace0 \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \ud30c\uc774\ud504\ub77c\uc778\uc744 \ud55c \ubc88\ucbe4 \uc124\uc815\ud574\ubcf4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc989, \ub2e8\uc21c\ud788 \uc800\uae08\ub9ac\uc5d0 \uc740\ud589 \uc801\uae08\ub9cc \uac00\uc785\ud558\uae30\ubcf4\ub2e4, \uc99d\uad8c \uacc4\uc88c\ub97c \uc5f4\uc5b4 ETF\ub098 \uc6b0\ub7c9 \uae30\uc5c5\uc5d0 \uc7a5\uae30 \ud22c\uc790\ud558\ub294 \uc804\ub7b5 \ub4f1\uc744 \uace0\ubbfc\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc801\ub9bd\uc2dd \ud22c\uc790\ub97c \ud1b5\ud574 \uc18c\uc561\ubd80\ud130 \ud22c\uc790 \uc2b5\uad00\uc744 \uae30\ub974\ub294 \uac83\uc740 \ud5a5\ud6c4 \ub354 \ud070 \ud22c\uc790 \uaddc\ubaa8\ub85c \uc131\uc7a5\ud560 \ub54c \ub9e4\uc6b0 \ud070 \uc790\uc0b0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\ub9cc, \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c\ub294 \ubb34\uc870\uac74 \u2018\uace0\uc218\uc775\u2019\uc744 \ub178\ub9ac\uae30\ubcf4\ub2e4\ub294 \uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \u2018\uc704\ud5d8 \uc218\uc900\u2019\uc744 \uba3c\uc800 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc544\uc9c1 \uc7a5\uae30\uc801\uc73c\ub85c \uc18c\ub4dd\uc774 \uc99d\uac00\ud560 \uac00\ub2a5\uc131\uc774 \ud06c\uae30 \ub54c\ubb38\uc5d0 \uacf5\uaca9\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \uc2dc\ub3c4\ud560 \uc218 \uc788\uc9c0\ub9cc, \uadf8\ub7fc\uc5d0\ub3c4 \ubb34\ub9ac\ud55c \ub808\ubc84\ub9ac\uc9c0 \ud22c\uc790\ub098 \ubb34\ubd84\ubcc4\ud55c \uace0\uc704\ud5d8 \ud22c\uc790\ucc98\uc5d0 \ubab0\ube75\ud558\uae30\ubcf4\ub2e4\ub294 \ubd84\uc0b0\ud22c\uc790 \uc6d0\uce59\uc744 \uc6b0\uc120\uc73c\ub85c \ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc804\uccb4 \ud22c\uc790\uae08 \uc911 \uc77c\uc815 \ubd80\ubd84\ub9cc \uace0\uc704\ud5d8 \uc790\uc0b0\uc5d0 \ubc30\uce58\ud558\uace0, \ub098\uba38\uc9c0\ub294 \uc548\uc804 \uc790\uc0b0\uc774\ub098 \uc801\ub9bd\uc2dd \ud380\ub4dc\ub85c \ubd84\uc0b0\ud558\ub294 \uc2dd\uc774\uc8e0. \uc774\ub7f0 \ubc29\uc2dd\uc740 \uc124\ub839 \uc2dc\uc7a5 \ubcc0\ub3d9\uc774 \ud06c\ub354\ub77c\ub3c4 \uc2ec\ub9ac\uc801\uc778 \ubd80\ub2f4\uc744 \uc904\uc774\uace0, \uc911\uc7a5\uae30\uc801\uc73c\ub85c \uafb8\uc900\ud55c \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uad81\uadf9\uc801\uc73c\ub85c \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \uac00\uc7a5 \ud070 \uc758\uc758\ub294, \uc790\uc2e0\uc758 \ubbf8\ub798\ub97c \uad6c\uccb4\ud654\ud558\uace0 \uc880 \ub354 \ub2a5\ub3d9\uc801\uc73c\ub85c \uc0b6\uc758 \uc8fc\ub3c4\uad8c\uc744 \uac16\uac8c \ub41c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ubd80\ucc44 \uad00\ub9ac, \uc800\ucd95, \ud22c\uc790 \ub4f1 \uac01 \ub2e8\uacc4\uc5d0\uc11c \uacc4\ud68d\uc744 \uac16\uace0 \uc2e4\ud589\ud558\uba74, \ub2e8\uc9c0 \u2018\uc77c\uc744 \ud574\uc11c \ub3c8\uc744 \ubc84\ub294\u2019 \uac83\uc774 \uc544\ub2c8\ub77c \u2018\ub3c8\uc774 \ub0b4 \uc0b6\uc744 \ud48d\uc694\ub86d\uac8c \ub9cc\ub4e4\uc5b4\uc8fc\ub294\u2019 \uacbd\ud5d8\uc744 \uc9c1\uc811 \uccb4\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u2018\ub0b4\uac00 \uc65c \uc774\ub807\uac8c \ud574\uc57c \ud558\ub294\uac00\u2019\ub77c\ub294 \uc9c8\ubb38\uc5d0 \ub2f5\ud560 \uc218 \uc788\ub294 \uad6c\uccb4\uc801\uc778 \ubaa9\ud45c\uac00 \uc788\ub2e4\uba74, \uadf8\ub9cc\ud07c \ub3d9\uae30\ubd80\uc5ec\ub3c4 \ucee4\uc9c0\uace0 \uc7a5\uae30 \uc9c0\uc18d \uac00\ub2a5\uc131\ub3c4 \ub192\uc544\uc9d1\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud55c \ub3c8\uc758 \ucd95\uc801\uc744 \ub118\uc5b4 \uc790\uae30 \uc0b6\uc758 \uad6c\uc870\ub97c \uc124\uacc4\ud55c\ub2e4\ub294 \uc758\ubbf8\uc774\ubbc0\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd\ubd80\ud130 \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc5d0 \uc2ec\ud608\uc744 \uae30\uc6b8\uc774\ub294 \uac83\uc740 \uc778\uc0dd \uc804\ubc18\uc5d0 \uac78\uccd0 \ub9e4\uc6b0 \ud604\uba85\ud55c \uc120\ud0dd\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc815\ub9ac\ud558\uc790\uba74, \uba3c\uc800 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \uc124\uc815\ud558\uace0, \uae30\uac04\u00b7\uae08\uc561\u00b7\ud22c\uc790 \uc218\ub2e8\u00b7\ubd80\ucc44 \uad00\ub9ac \uacc4\ud68d \ub4f1\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud55c \ub4a4, \uc2e4\uc9c8\uc801\uc778 \uc2e4\ud589 \uc2b5\uad00\uc744 \uc313\uc544\ub098\uac00\ub294 \uacfc\uc815\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uac1c\uc778 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc774\ub098 \uac00\uce58\uad00\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uc798 \ubc18\uc601\ud558\uc5ec \uacc4\ud68d\uc744 \uc791\uc131\ud55c\ub2e4\uba74, \ubb34\uc791\uc815 \ub3c8\uc744 \ubaa8\uc544\uc57c \ud55c\ub2e4\ub294 \uac15\ubc15\uac10 \ub300\uc2e0 \uc801\uadf9\uc801\uc774\uace0 \uae0d\uc815\uc801\uc778 \uae30\ubd84\uc73c\ub85c \uc7ac\ubb34 \uc0dd\ud65c\uc744 \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \uccab \ubc84\ud2bc\uc744 \uc798 \ub07c\uc6b8\uc218\ub85d \uc55e\uc73c\ub85c\uc758 \uc7ac\ubb34 \uc0dd\ud65c\uc774 \ud0c4\ud0c4\ud574\uc9c0\uace0, \ub354 \ub098\uc740 \uc0b6\uc758 \uc9c8\uc744 \ub204\ub9b4 \uc218 \uc788\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ec%b2%b4%ea%b3%84%ec%a0%81%ec%9d%b8-%ec%98%88%ec%82%b0-%ec%88%98%eb%a6%bd-%eb%b0%8f-%ec%86%8c%eb%b9%84-%ed%86%b5%ec%a0%9c-%ec%a0%84%eb%9e%b5-JFjwHdeEEE\">\uc139\uc158 2: \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd \ubc0f \uc18c\ube44 \ud1b5\uc81c \uc804\ub7b5<\/h2>\n<p>\uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \uad6c\uccb4\uc801\uc778 \uc608\uc0b0 \ud3b8\uc131\uacfc \uc18c\ube44 \ud1b5\uc81c \uc804\ub7b5\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub9c9\uc5f0\ud558\uac8c \uc800\ucd95\uc774\ub098 \ud22c\uc790\ub97c \ub298\ub824\uc57c \ud55c\ub2e4\ub294 \uc0dd\uac01\uc774 \uc788\ub354\ub77c\ub3c4, \uc2e4\uc81c \uac00\ucc98\ubd84 \uc18c\ub4dd \uc911\uc5d0\uc11c \uc5bc\ub9c8\ub97c \uc800\ucd95\u00b7\ud22c\uc790\uc5d0 \ubc30\ubd84\ud558\uace0, \uc5bc\ub9c8\ub97c \uc0dd\ud65c\ube44\ub85c \uc4f8\uc9c0 \uba85\ud655\ud788 \uc815\ud574\ub193\uc9c0 \uc54a\uc73c\uba74 \uae08\ubc29 \uacc4\ud68d\uc774 \ud750\ud2b8\ub7ec\uc9c0\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ub354\ub354\uc6b1 \uc6d4\uae09\uc774\ub098 \uc54c\ubc14 \uc218\uc785 \ub4f1 \uc77c\uc815\ud55c \ud615\ud0dc\uc758 \uc18c\ub4dd\uc5d0 \ub9de\ucdb0 \uc608\uc0b0\uc744 \uc9dc\ub294 \uc2b5\uad00\uc744 \ub4e4\uc5ec\uc57c \ud569\ub2c8\ub2e4. \uc608\uc0b0 \ud3b8\uc131\uc740 \ub2e8\uc21c\ud788 \u2018\uc808\uc57d\u2019\ub9cc\uc744 \uc758\ubbf8\ud558\uc9c0 \uc54a\uace0, \u2018\ub3c8\uc774 \uc5b4\ub514\uc5d0 \uc5b4\ub5bb\uac8c \uc4f0\uc774\uace0 \uc788\ub294\uc9c0\u2019\ub97c \uc2dc\uac01\ud654\ud558\ub294 \uc791\uc5c5\uc785\ub2c8\ub2e4. \uc608\uc0b0 \ud3b8\uc131\uc774 \uc81c\ub300\ub85c \uc774\ub8e8\uc5b4\uc9c0\uba74 \ube44\ud6a8\uc728\uc801\uc778 \uc9c0\ucd9c\uc774 \ud55c\ub208\uc5d0 \ub4dc\ub7ec\ub098\uace0, \ud544\uc694\ud558\ub2e4\uba74 \uc774\ub97c \uc904\uc774\uac70\ub098 \ub2e4\ub978 \ud56d\ubaa9\uc73c\ub85c \ub3cc\ub9ac\ub294 \uc2dd\uc758 \uc870\uc815\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \uc218\ub9bd\uc758 \uccab \ub2e8\uacc4\ub294 \ud55c \ub2ec\uac04\uc758 \uace0\uc815 \uc9c0\ucd9c\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc6d4\uc138\ub098 \uad00\ub9ac\ube44, \uad50\ud1b5\ube44, \ud1b5\uc2e0\ube44\ub294 \ub300\uccb4\ub85c \ud070 \ubcc0\ub3d9\uc774 \uc5c6\ub294 \uace0\uc815 \ube44\uc6a9\uc774\uc8e0. \uc5ec\uae30\uc5d0 \uc2dd\ube44, \uacf5\uacfc\uae08, \ubcf4\ud5d8\ub8cc, \ud559\uc790\uae08 \ub300\ucd9c \uc0c1\ud658\uc561 \ub4f1\uc774 \ucd94\uac00\ub418\uc5b4 \uace0\uc815 \uc9c0\ucd9c \ubc94\uc8fc\uc5d0 \ub4e4\uc5b4\uac11\ub2c8\ub2e4. \uc774\ud6c4 \uc5ec\uc720\uc790\uae08 \uc911\uc5d0\uc11c \uc800\ucd95\u00b7\ud22c\uc790\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \ub5bc\uc5b4\ub193\uc740 \ub4a4, \ub098\uba38\uc9c0\ub97c \ubcc0\ub3d9 \uc9c0\ucd9c\uc5d0 \ud560\ub2f9\ud558\ub294 \ubc29\uc2dd\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub54c \ud754\ud788 \ub9d0\ud558\ub294 \u2018\uc120\uc800\ucd95 \ud6c4\uc9c0\ucd9c\u2019 \ubc29\uc2dd\uc774 \ub3c4\uc6c0\uc774 \ub418\ub294\ub370, \uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\uba74 \uc800\ucd95\uacfc \ud22c\uc790 \uacc4\uc88c\ub85c \uc77c\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc774\uccb4 \uc124\uc815\ud574 \ub450\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \uc800\ucd95 \uae08\uc561\uacfc \ud22c\uc790\uae08\uc744 \uac15\uc81c\uc801\uc73c\ub85c \ud655\ubcf4\ud560 \uc218 \uc788\uc5b4, \ub0a8\uc740 \uae08\uc561 \ub0b4\uc5d0\uc11c \uc9c0\ucd9c\ud558\uac8c \ub418\ubbc0\ub85c \uc790\uc5f0\uc2a4\ub7fd\uac8c \uacfc\uc18c\ube44 \uc608\ubc29 \ud6a8\uacfc\uac00 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<p>\uc5d0\ub108\uc9c0 \uc0ac\uc6a9, \uc2dd\ube44, \uc1fc\ud551 \ube44\uc6a9 \ub4f1\uc740 \ubcc0\ub3d9 \ud3ed\uc774 \ud06c\uae30 \ub54c\ubb38\uc5d0 \uac01 \uac1c\uc778\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc5d0 \ub530\ub77c \ub9e4\uc6b0 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ub9cc\uc57d \uc0ac\ud68c \ucd08\ub144\uc0dd\uc73c\ub85c\uc11c \ub2f9\uc7a5 \ub300\ub3c4\uc2dc\uc5d0\uc11c \uc790\ucde8\ub97c \uc2dc\uc791\ud588\ub2e4\uba74, \uc6d4\uc138\uc640 \uc0dd\ud65c\ube44\uac00 \ud55c\uaebc\ubc88\uc5d0 \uc99d\uac00\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc774\uc5d0 \ub9de\ucdb0 \uc18c\ube44 \ud328\ud134\uc744 \uc7ac\uc815\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud3c9\uc18c\uc5d0\ub294 \uc9c1\uc7a5 \uadfc\ucc98\uc5d0\uc11c \uc678\uc2dd\uc744 \uc790\uc8fc \ud558\uc9c0\ub9cc, \uc774\ub97c \uc904\uc774\uace0 \uc8fc\ub9d0\uc5d0 2~3\uc77c\ubd84 \uc694\ub9ac\ub97c \ubbf8\ub9ac \ud574\ub450\uc5b4 \ub0c9\ub3d9 \ubcf4\uad00\ud558\ub294 \ubc29\uc2dd\uc744 \ud65c\uc6a9\ud560 \uc218\ub3c4 \uc788\uaca0\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \uc791\uc740 \uc2b5\uad00 \ubcc0\ud654\ub85c \uc808\uc57d\ub418\ub294 \uae08\uc561\uc774 \ub204\uc801\ub418\uba74 \uc0dd\uac01\ubcf4\ub2e4 \ud070 \uae08\uc561\uc774 \ub429\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uc678\uc2dd\uc744 \ud558\ub8e8\uc5d0 1\ud68c\uc529 \ud560 \ub54c\uc640 \uc8fc\ub9d0\uc5d0 \uc2dd\uc7ac\ub8cc\ub97c \uad6c\ub9e4\ud574 \uc694\ub9ac\ud558\ub294 \uac83\uc73c\ub85c \ub300\uccb4\ud588\uc744 \ub54c \uc6d4 20\ub9cc \uc6d0 \uc774\uc0c1\uc758 \ucc28\uc774\uac00 \ubc1c\uc0dd\ud558\ub294 \uacbd\uc6b0\uac00 \ud754\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc18c\ube44 \ud1b5\uc81c\ub97c \uc880 \ub354 \uccb4\uacc4\uc801\uc73c\ub85c \ud558\uace0 \uc2f6\ub2e4\uba74, \uac00\uacc4\ubd80 \uc791\uc131\uc774\ub098 \uc18c\ube44 \ud328\ud134 \uc790\ub3d9 \ubd84\uc11d \ud234\uc744 \uc0ac\uc6a9\ud558\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ubaa8\ubc14\uc77c \uc571\uc774\ub098 \uc6f9 \uc11c\ube44\uc2a4\uc5d0\uc11c \uce74\ub4dc \uc0ac\uc6a9 \ub0b4\uc5ed, \uacc4\uc88c \uc774\uccb4 \ub0b4\uc5ed \ub4f1\uc744 \uc790\ub3d9\uc73c\ub85c \uc7a1\uc544\uc11c, \ud56d\ubaa9\ubcc4\ub85c \ubd84\ub958\ub97c \ud574\uc8fc\ub294 \uae30\ub2a5\uc774 \uc798 \uac16\ucdb0\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ub0b4\uc5ed\uc744 \uc2dc\uac01\ud654\ud558\uba74 \u2018\uc5b8\uc81c, \uc5b4\ub514\uc5d0\uc11c, \ubb34\uc5c7\uc744, \uc5bc\ub9c8\ub098 \uc37c\ub294\uc9c0\u2019\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ubcfc \uc218 \uc788\uc5b4, \ubd80\uc8fc\uc758\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\ub294\ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uac00\ub839 \ud55c \ub2ec\uc5d0 \ucee4\ud53c\ub9cc 10\ub9cc \uc6d0 \uc774\uc0c1 \uc4f0\uace0 \uc788\uc5c8\ub2e4\uba74, \ub2e4\uc74c \ub2ec\uc5d0\ub294 \uc8fc 2\ud68c \uc815\ub3c4\ub85c \uc904\uc774\uaca0\ub2e4\ub294 \uc2dd\uc73c\ub85c \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \u2018\uc791\uc9c0\ub9cc \uafb8\uc900\ud55c\u2019 \uc808\uc57d \ubaa9\ud45c\uac00 \uc2e4\uc81c\ub85c\ub294 \uc7a5\uae30\uc801 \uc800\ucd95\uc758 \ud575\uc2ec \uae30\ud3ed\uc81c\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \uc800\ucd95\uacfc \ud22c\uc790\ub97c \ub298\ub9ac\uae30 \uc704\ud574\uc11c\ub294 \uc9c0\ucd9c\uc744 \uc81c\ud55c\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud558\uc9c0\ub9cc, \u2018\uc18c\ub4dd\uc744 \ub298\ub9ac\ub294 \ubc29\ubc95\u2019\uc744 \uace0\ubbfc\ud558\ub294 \uac83\ub3c4 \uc0c1\ub2f9\ud788 \uc911\uc694\ud55c \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc9c1\uc7a5\uc5d0\uc11c\uc758 \uc5f0\ubd09 \uc778\uc0c1\uc774\ub098 \uc2b9\uc9c4\uc5d0\ub9cc \uae30\ub300\uae30\ubcf4\ub2e4\ub294, \ud06c\uace0 \uc791\uc740 \uc0ac\uc774\ub4dc \ud504\ub85c\uc81d\ud2b8\ub098 \ud504\ub9ac\ub79c\uc11c \uc77c\uac10\uc744 \ud1b5\ud574 \ucd94\uac00 \uc18c\ub4dd \ucc3d\ucd9c\uc744 \uc2dc\ub3c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 IT \uad00\ub828 \uc5ed\ub7c9\uc774 \uc788\uc73c\uba74 \uc6f9 \uac1c\ubc1c, \uc571 \uac1c\ubc1c, \ub370\uc774\ud130 \ubd84\uc11d \ub4f1 \ud504\ub85c\uc81d\ud2b8\ub97c \ub9e1\uc544 \uc9ec\uc9ec\uc774 \uc218\uc775\uc744 \ub0bc \uc218 \uc788\uace0, \ub514\uc790\uc778 \uc2e4\ub825\uc774 \uc788\ub2e4\uba74 \ub85c\uace0 \uc81c\uc791\uc774\ub098 \ubc30\ub108 \ub514\uc790\uc778 \ub4f1\uc758 \ubd84\uc57c\uc5d0\uc11c \ubd80\uc218\uc785\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc8e0. \uc774\ub7f0 \uc2dd\uc73c\ub85c \uc18c\ub4dd\uc744 \ub298\ub9ac\uba74\uc11c \ub3d9\uc2dc\uc5d0 \ucca0\uc800\ud55c \uc608\uc0b0 \uad00\ub9ac\ub97c \ubcd1\ud589\ud558\uae30\ub9cc \ud574\ub3c4 \uc790\uae08 \ud615\uc131 \uc18d\ub3c4\uac00 \ud06c\uac8c \uac00\uc18d\ud654\ub429\ub2c8\ub2e4.<\/p>\n<p>\ucd94\uac00 \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud560 \ub54c\ub9c8\ub2e4 \ubaa8\ub4e0 \uae08\uc561\uc744 \uc18c\ube44\ub85c \ub3cc\ub9ac\uc9c0 \ub9d0\uace0, \uc77c\uc815 \ubd80\ubd84\uc740 \ubc18\ub4dc\uc2dc \uc800\ucd95 \ubc0f \ud22c\uc790\ub85c \ud3b8\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc0ac\uc774\ub4dc \uc7a1\uc73c\ub85c 50\ub9cc \uc6d0\uc744 \ubc8c\uc5c8\ub2e4\uba74 \uadf8\uc911 30\ub9cc \uc6d0\uc740 \uc800\ucd95, 10\ub9cc \uc6d0\uc740 \ud22c\uc790, 10\ub9cc \uc6d0\uc740 \uc790\uae30 \ubcf4\uc0c1\uc6a9 \uc9c0\ucd9c\ub85c \ubc30\ubd84\ud558\ub294 \uc2dd\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \u201c\uc5f4\uc2ec\ud788 \uc77c\ud574\uc11c \ubc88 \ub3c8\uc744 \ubcf4\uc0c1 \uc5c6\uc774 \uc804\ubd80 \uc800\ucd95\ud574\uc57c \ud55c\ub2e4\u201d\ub294 \uc2ec\ub9ac\uc801 \uc555\ubc15\uc5d0\uc11c \ubc97\uc5b4\ub098\uba74\uc11c\ub3c4, \uc800\ucd95 \ubc0f \ud22c\uc790 \uaddc\ubaa8\ub97c \uc810\ucc28 \ud655\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc774\ub7f0 \ubc29\uc2dd\uc73c\ub85c \ubd80\uc218\uc785\uc744 \ubaa8\uc73c\uae30 \uc2dc\uc791\ud558\uba74, \ubcf8\uc5c5\uc758 \uc6d4\uae09 \uc678\uc5d0 \ucd94\uac00\uc801\uc778 \uc790\uc0b0\uc774 \uc313\uc774\ub294 \uacbd\ud5d8\uc744 \ud1b5\ud574 \ud6e8\uc52c \ub354 \ub3d9\uae30\ubd80\uc5ec\uac00 \uac15\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\uc18c\ube44 \ud1b5\uc81c\ub294 \ub2e8\uc21c\ud788 \u2018\uc544\ub07c\ub294 \uac83\uc774 \ubbf8\ub355\u2019\uc774\ub77c\ub294 \uc2dd\uc758 \ud0dc\ub3c4\uac00 \uc544\ub2c8\ub77c, \u2018\uc790\uc2e0\uc758 \uac00\uce58\uad00\uacfc \uc6b0\uc120\uc21c\uc704\uc5d0 \ub530\ub77c \ubcf4\ub2e4 \ud604\uba85\ud558\uace0 \ud6a8\uc728\uc801\uc73c\ub85c \uc500\uc500\uc774\ub97c \ud558\uaca0\ub2e4\u2019\ub294 \uc8fc\uccb4\uc801 \uacb0\uc815\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4. \ubb34\uc870\uac74 \u2018\ub178\ub294 \uac83\u2019\uc774\ub098 \u2018\ub9db\uc788\ub294 \uac83\u2019\uc744 \ucc38\uc544\uc57c \ud55c\ub2e4\ub294 \uc758\ubbf8\uac00 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc774 \uc9c4\uc815\uc73c\ub85c \uc990\uae30\ub294 \ubd84\uc57c\uc5d0 \uc9d1\uc911\uc801\uc73c\ub85c \uc9c0\ucd9c\uc744 \ud558\uace0, \uadf8\ub807\uc9c0 \uc54a\uc740 \ubd84\uc57c\uc5d0\uc11c\ub294 \uacfc\uac10\ud788 \uc904\uc774\ub294 \uc120\ud0dd\uacfc \uc9d1\uc911\uc758 \uacfc\uc815\uc774\uc8e0. \uc608\ub97c \ub4e4\uc5b4 \uc74c\uc2dd\uc5d0 \ud070 \uac00\uce58\ub97c \ub450\uace0 \ub9db\uc9d1 \uc21c\ub840\ub97c \uc990\uae34\ub2e4\uba74, \uc637\uc774\ub098 \uc804\uc790\uae30\uae30 \uad6c\ub9e4\ub294 \ucd5c\uc18c\ud654\ud574\uc11c \uc804\uccb4 \uc608\uc0b0 \ub0b4\uc5d0\uc11c \uc870\uc815\ud558\ub294 \uc2dd\uc774 \ud569\ub9ac\uc801\uc778 \ubc29\ubc95\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc790\uae30 \uc0b6\uc758 \uc9c8\uc744 \uc720\uc9c0\ud558\uba74\uc11c\ub3c4 \uc800\ucd95\uc774\ub098 \ud22c\uc790 \uc5ec\ub825\uc744 \ud0a4\uc6b0\ub294 \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5\uacfc \uad00\ub828\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \uc720\uc758\ubbf8\ud55c \uc815\ubcf4\ub294 \u2018\uc18c\uc561 \ud22c\uc790 \ud50c\ub7ab\ud3fc\u2019\uc774\ub098 \u2018\uc8fc\uc2dd\u00b7ETF \uc18c\uc218\uc810 \uac70\ub798\u2019\uac00 \uac00\ub2a5\ud55c \uc11c\ube44\uc2a4\uc758 \ud655\ub300\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uad6d\ub0b4\uc678 \uc99d\uc2dc\uc5d0\uc11c \uc778\uae30 \uc788\ub294 \ub300\ud615\uc8fc\uac00 \ub108\ubb34 \ube44\uc2f8\uc11c \ub9e4\uc218\ud558\uae30 \uc5b4\ub835\ub2e4\uace0 \uc0dd\uac01\ud588\ub2e4\uba74, \uc18c\uc218\uc810 \uac70\ub798 \uc11c\ube44\uc2a4\ub97c \ud65c\uc6a9\ud574 \ubd80\ubd84\uc801\uc73c\ub85c\ub77c\ub3c4 \ud22c\uc790\uac00 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ub300\uaddc\ubaa8 \uc790\uae08 \uc5c6\uc774\ub3c4 \uae00\ub85c\ubc8c \uc6b0\ub7c9 \uae30\uc5c5\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub610\ud55c \ubd80\ub3d9\uc0b0 \ud22c\uc790\ub3c4 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \ud615\ud0dc\ub85c \uc18c\uc561\ud654\ub418\ub294 \ucd94\uc138\uc774\ubbc0\ub85c, \uac01\uc885 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uc18c\uc561 \uc218\uc775\ud615 \ubd80\ub3d9\uc0b0 \ud22c\uc790\ub97c \uc2dc\ub3c4\ud574\ubcfc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \ud22c\uc790\uc5d0\ub294 \ud56d\uc0c1 \ub9ac\uc2a4\ud06c\uac00 \ub530\ub974\ubbc0\ub85c, \ud22c\uc790\ub97c \ud558\uae30 \uc804\uc5d0 \uad00\ub828 \uc815\ubcf4\ub97c \ucda9\ubd84\ud788 \uc870\uc0ac\ud558\uace0 \uc2e4\uc81c\ub85c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud574\ub3c4 \uac10\ub2f9 \uac00\ub2a5\ud55c \ubc94\uc704\uc5d0\uc11c \uc9c4\ud589\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0\uc744 \uc6b4\uc6a9\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc740, \uac11\uc791\uc2a4\ub7f0 \ub3cc\ubc1c\uc0c1\ud669\uc5d0 \ub300\uc751\ud560 \u2018\ube44\uc0c1\uae08\u2019 \ud639\uc740 \uc608\ube44\ube44 \ud56d\ubaa9\uc744 \ubc18\ub4dc\uc2dc \ub9c8\ub828\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \ub300\uae08\uc744 \ubbf8\ucc98 \uc900\ube44\ud558\uc9c0 \ubabb\ud574 \uc5f0\uccb4 \uc774\uc790\uac00 \ubd99\uac70\ub098, \uac11\uc791\uc2a4\ub7f0 \ubcd1\uc6d0\ube44 \uc9c0\ucd9c\ub85c \uc778\ud574 \ub610 \ub2e4\ub978 \ub300\ucd9c\uc744 \ubc1b\uc544\uc57c \ud55c\ub2e4\uba74 \uc545\uc21c\ud658\uc774 \uc2dc\uc791\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ucd5c\uc18c 3~6\uac1c\uc6d4 \uc815\ub3c4\uc758 \uc0dd\ud65c\ube44\uc5d0 \ud574\ub2f9\ud558\ub294 \uae08\uc561\uc744 \ube44\uc0c1\uc608\ube44\uae08\uc73c\ub85c \ud655\ubcf4\ud574\ub450\ub294 \uac8c \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ubcc4\ub3c4\uc758 \ud1b5\uc7a5\uc5d0 \ub123\uc5b4\ub450\uc5b4\uc11c \uc790\uc8fc \uac74\ub4dc\ub9ac\uc9c0 \uc54a\uac8c \uad00\ub9ac\ud55c\ub2e4\uba74, \uae34\uae09\uc0c1\ud669\uc758 \uc2a4\ud2b8\ub808\uc2a4\uc640 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ub3d9\uc2dc\uc5d0 \uc7a1\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \ud1b5\uc81c\ub294 \uac70\ucc3d\ud55c \ubaa9\ud45c\uac00 \uc544\ub2c8\ub77c\ub3c4 \uc544\uc8fc \uc0ac\uc18c\ud55c \uc2b5\uad00\uc5d0\uc11c\ubd80\ud130 \uc2dc\uc791\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ub9e4\uc77c \uc544\uce68\uc5d0 \uc0ac \ub9c8\uc2dc\ub294 \ucee4\ud53c\ub97c \uc77c\uc8fc\uc77c \uc911 3\uc77c\ub85c \uc904\uc774\ub294 \uc791\uc740 \uacc4\ud68d, \ud1f4\uadfc \ud6c4 \ucda9\ub3d9\uad6c\ub9e4 \ubc29\uc9c0\ub97c \uc704\ud574 \uc800\ub141 9\uc2dc \uc774\ud6c4\uc5d0\ub294 \uc778\ud130\ub137 \uc1fc\ud551\uc744 \uae08\uc9c0\ud558\ub294 \ub4f1 \uac1c\uc778\ud654\ub41c \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc2b5\uad00\ub4e4\uc774 \uc313\uc774\ub2e4 \ubcf4\uba74, \uc7ac\ubb34\ubaa9\ud45c\uc5d0 \ub3c4\ub2ec\ud558\uae30\uac00 \ud6e8\uc52c \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4. \uacb0\uad6d \ud569\ub9ac\uc801\uc778 \uc18c\ube44 \ud1b5\uc81c \uc804\ub7b5\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc7ac\ubb34\uc801\uc73c\ub85c \uc790\ub9bd\ud558\uace0 \uc131\uc7a5\ud558\uae30 \uc704\ud55c \ub450 \ubc88\uc9f8 \ub2e8\uacc4\uc774\uc790, \uafb8\uc900\ud788 \uc2e4\ucc9c\ud574\uc57c \ud560 \uc911\uc694\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ed%9a%a8%ec%9c%a8%ec%a0%81%ec%9d%b8-%eb%b6%80%ec%b1%84-%ea%b4%80%eb%a6%ac%ec%99%80-%ec%8b%a0%ec%9a%a9%eb%8f%84-%ed%96%a5%ec%83%81-%ec%a0%84%eb%9e%b5-JFjwHdeEEE\">\uc139\uc158 3: \ud6a8\uc728\uc801\uc778 \ubd80\ucc44 \uad00\ub9ac\uc640 \uc2e0\uc6a9\ub3c4 \ud5a5\uc0c1 \uc804\ub7b5<\/h2>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc124\uc815\ud568\uc5d0 \uc788\uc5b4 \ub193\uce58\uae30 \uc26c\uc6b4 \ubd80\ubd84 \uc911 \ud558\ub098\uac00 \u2018\ubd80\ucc44 \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \ud559\uc0dd \uc2dc\uc808 \ud559\uc790\uae08 \ub300\ucd9c\uc744 \ubc1b\uc740 \uacbd\uc6b0, \ud639\uc740 \ucd08\uae30 \ucde8\uc5c5 \uacfc\uc815\uc5d0\uc11c \uc0dd\ud65c\ube44 \ubd80\uc871\uc73c\ub85c \ub300\ucd9c\uc744 \uc774\uc6a9\ud588\ub2e4\uba74 \ubd80\ucc44\uac00 \ud558\ub098 \uc774\uc0c1 \uc0dd\uae34 \uc0c1\ud0dc\ub85c \uc0ac\ud68c\uc0dd\ud65c\uc744 \uc2dc\uc791\ud558\uac8c \ub429\ub2c8\ub2e4. \uc2e0\uc6a9\ub3c4\ub294 \uc7a5\ucc28 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uc790\ub3d9\ucc28\ud560\ubd80, \uc2e0\uc6a9\uce74\ub4dc \ud55c\ub3c4 \ub4f1 \ub2e4\uc591\ud55c \ubd80\ubd84\uc5d0\uc11c \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \ubd80\ucc44\uc640 \uc2e0\uc6a9\uc5d0 \ub300\ud55c \uad00\ub9ac \uc804\ub7b5 \uc5ed\uc2dc \uc7ac\ubb34 \ubaa9\ud45c\uc758 \uc77c\ubd80\ub85c \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ub9cc\uc57d \ubd80\ucc44\uac00 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub192\uc740 \ubd80\ucc44\ubd80\ud130 \uc6b0\uc120\uc801\uc73c\ub85c \uc0c1\ud658\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc778 \uc6d0\uce59\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc2e0\uc6a9\uce74\ub4dc \ud604\uae08\uc11c\ube44\uc2a4\ub098 \ub9ac\ubcfc\ube59 \uac19\uc740 \uace0\uae08\ub9ac \ubd80\ucc44\ub97c \uac00\uae09\uc801 \ube68\ub9ac \uc815\ub9ac\ud558\uc5ec \uc774\uc790 \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ucc44\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \uc904\uc774\uace0 \uc2e0\uc6a9\ub3c4\ub97c \ub192\uc774\uae30 \uc704\ud574\uc11c\ub294 \uba3c\uc800 \uc790\uc2e0\uc758 \uc2e0\uc6a9 \uc0c1\ud0dc\ub97c \uc815\ud655\ud788 \ud30c\uc545\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud604\uc7ac \uac01\uc885 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc2e0\uc6a9\ub4f1\uae09 \ud639\uc740 \uc2e0\uc6a9\uc810\uc218\ub97c \uc27d\uac8c \uc870\ud68c\ud560 \uc218 \uc788\ub294\ub370, \uc774\ub97c \uc815\uae30\uc801\uc73c\ub85c \uccb4\ud06c\ud558\uc5ec \ud06c\uac8c \ub5a8\uc5b4\uc9c0\uac70\ub098 \uc774\uc0c1 \uc9d5\ud6c4\uac00 \uc5c6\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uc544\uc57c \ud569\ub2c8\ub2e4. \ub9cc\uc57d \uc774\ubbf8 \uc5f0\uccb4 \uc774\ub825\uc774 \uc788\uac70\ub098, \uce74\ub4dc \ub300\uae08\uc744 \ub2a6\uac8c \ub0b8 \uacfc\uac70\uac00 \uc788\ub2e4\uba74, \uc774\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud574 \uc18c\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc81c\ub54c \uacb0\uc81c\ud558\uba74\uc11c \uac74\uc804\ud55c \uc0c1\ud658 \uc774\ub825\uc744 \uc313\uc544\uac00\ub294 \ubc29\ubc95\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uadf8\ub7ec\ud55c \uc774\ub825\uc774 \ub204\uc801\ub418\uba74 \uc810\ucc28 \uc2e0\uc6a9\ub3c4 \uac1c\uc120 \ud6a8\uacfc\uac00 \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \ubb3c\ub860 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc740 \ub192\uc740 \uc774\uc790\uac00 \ubd99\ub294 \ubd80\ucc44\ub97c \uc870\uae30\uc5d0 \uc904\uc5ec\ub098\uac00\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ub193\uce60 \uc218 \uc788\ub294 \ud568\uc815 \uc911 \ud558\ub098\ub294, \uce74\ub4dc\ud68c\uc0ac\ub098 \uae08\uc735\uae30\uad00\uc5d0\uc11c \ucc98\uc74c \ubc1c\uae09\ubc1b\ub294 \uc2e0\uc6a9\uce74\ub4dc\ub97c \ub108\ubb34 \uc27d\uac8c \uc0ac\uc6a9\ud560 \uc218 \uc788\uac8c \ub41c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc\ub294 \ud3b8\ub9ac\ud55c \uacb0\uc81c \uc218\ub2e8\uc778 \ub3d9\uc2dc\uc5d0, \uacfc\uc18c\ube44\uc640 \uacfc\ub3c4\ud55c \ubd80\ucc44\ub97c \ubc1c\uc0dd\uc2dc\ud0ac \uc218 \uc788\ub294 \uc704\ud5d8 \uc694\uc18c\uac00 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2e0\uc6a9\uce74\ub4dc\ub294 \uac00\ub2a5\ud558\uba74 \ud55c \ub450 \uc7a5\uae4c\uc9c0\ub9cc \uc720\uc9c0\ud558\uace0, \uc0ac\uc6a9 \ub0b4\uc5ed\uc740 \uc5c4\uaca9\ud788 \uad00\ub9ac\ud558\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc77c\ubd80\uc5d0\uc11c\ub294 \uccb4\ud06c\uce74\ub4dc\ub97c \uc4f0\ub294 \uac83\uc774 \ub354 \ub0ab\uc9c0 \uc54a\ub290\ub0d0\uace0 \ubb3b\uae30\ub3c4 \ud558\ub294\ub370, \uccb4\ud06c\uce74\ub4dc\ub294 \uacfc\uc18c\ube44 \ubc29\uc9c0 \ud6a8\uacfc\uac00 \uc788\uc9c0\ub9cc \uc2e0\uc6a9\uce74\ub4dc\ucc98\ub7fc \uc81c\ub54c \ub0a9\ubd80 \uc774\ub825\uc744 \uc313\uc544 \uc2e0\uc6a9\ub3c4\ub97c \ub192\uc774\ub294 \ub370\uc5d0\ub294 \ub2e4\uc18c \ud55c\uacc4\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uad81\uadf9\uc801\uc73c\ub85c \uc2e0\uc6a9\uce74\ub4dc \ub0a9\ubd80 \uc774\ub825\uc744 \uac74\uc804\ud558\uac8c \uc720\uc9c0\ud568\uc73c\ub85c\uc368 \uc2e0\uc6a9\uc810\uc218\ub97c \uc0c1\uc2b9\uc2dc\ud0a4\ub294 \uac83\uc774 \ubbf8\ub798\uc758 \ub300\ucd9c\uc774\ub098 \uae08\uc735\uac70\ub798\ub97c \ubcf4\ub2e4 \uc720\ub9ac\ud558\uac8c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 \uae08\ub9ac\uac00 \ub192\uc740 2\uae08\uc735\uad8c \ub300\ucd9c\uc744 \uc774\uc6a9 \uc911\uc774\ub77c\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uac00\uae09\uc801 \uc740\ud589\uad8c\uc774\ub098 \uc800\uae08\ub9ac \ub300\ucd9c\ub85c \uac08\uc544\ud0c0\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ucd5c\uadfc\uc5d0\ub294 \uc11c\ubbfc\uae08\uc735\uc9c4\ud765\uc6d0 \ub4f1\uc5d0\uc11c \uc9c0\uc6d0\ud558\ub294 \uc800\uae08\ub9ac \ub300\ucd9c \uc0c1\ud488\uc774\ub098 \uc815\ubd80\uc9c0\uc6d0 \ub300\ucd9c\uc744 \ud1b5\ud574 \uae30\uc874 \uace0\uae08\ub9ac \ubd80\ucc44\ub97c \ub300\ud658\ud560 \uc218 \uc788\ub294 \uc81c\ub3c4\uac00 \ub9c8\ub828\ub418\uc5b4 \uc788\uc73c\ubbc0\ub85c, \ud574\ub2f9 \ud504\ub85c\uadf8\ub7a8\uc5d0 \uc811\uc18d\ud574\ubcfc \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc5f0 1~2% \ud3ec\uc778\ud2b8\ub9cc \ub0ae\uc544\uc838\ub3c4 \uc7a5\uae30\uc801\uc73c\ub85c \ud06c\uac8c \uc808\uc57d\ub41c \uc774\uc790 \ube44\uc6a9\uc774 \uc313\uc774\ubbc0\ub85c, \ubd80\ucc44 \uad6c\uc870\uc870\uc815\uc740 \uc7ac\ubb34 \ubaa9\uc801\uc73c\ub85c \ubcfc \ub54c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc804\ub7b5 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ucc44\uac00 \uafb8\uc900\ud788 \uc904\uc5b4\ub4e4\uba74 \uadf8\ub9cc\ud07c \uc800\ucd95\u00b7\ud22c\uc790\uc5d0 \ud22c\uc785\ud560 \uc218 \uc788\ub294 \uc790\uae08\uc774 \ub298\uc5b4\ub098, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131 \uc18d\ub3c4\ub3c4 \ube68\ub77c\uc9d1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ub9e4 \ub2ec 20\ub9cc \uc6d0\uc529 \ud559\uc790\uae08 \ub300\ucd9c\uc744 \uc0c1\ud658\ud558\ub358 \uc0ac\ub78c\uc774 \uc774\uc790\uc728\uc774 \ub0ae\uc740 \uc0c1\ud488\uc73c\ub85c \ub300\ud658\ud558\uac70\ub098 \uc0c1\ud658\uc561\uc744 \uc870\uc808\ud574 \uc870\uae08\uc774\ub77c\ub3c4 \uc808\uac10\ub41c \uae08\uc561\uc744 \ud22c\uc790\ub85c \ub3cc\ub9b4 \uc218 \uc788\ub2e4\uba74, \uadf8 \uae08\uc561\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \ubcf5\ub9ac\ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \u2018\ubd80\ucc44 \uad00\ub9ac \u2013 \uc800\ucd95 \ud655\ub300 \u2013 \ud22c\uc790 \uc99d\uac00\u2019\ub77c\ub294 \uc120\uc21c\ud658 \uad6c\uc870\uac00 \ud615\uc131\ub418\ub294 \uac83\uc774 \uac00\uc7a5 \uc774\uc0c1\uc801\uc785\ub2c8\ub2e4. \ucd08\uae30\uc5d0 \ub178\ub825\ud574\uc11c \ubd80\ucc44\ub97c \uad00\ub9ac\ud574\ub450\uba74, \ud6c4\uc5d0 \uc0c1\ud658 \uc2a4\ud2b8\ub808\uc2a4 \uc5c6\uc774 \ub2e4\uc591\ud55c \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub354\uc6b1 \uc9d1\uc911\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ud558\ub098 \uc911\uc694\ud558\uac8c \uc9da\uace0 \ub118\uc5b4\uac00\uc57c \ud560 \ubd80\ubd84\uc740 \u2018\ubcf4\uc99d\u2019 \uad00\ub828 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc885\uc885 \uac00\uc871\uc774\ub098 \uce5c\uc9c0, \uce5c\uad6c\uc640\uc758 \uad00\uacc4\uc5d0\uc11c \ubcf4\uc99d\uc744 \uc11c\ub2ec\ub77c\ub294 \uc694\uccad\uc744 \ubc1b\uc744 \uc218 \uc788\ub294\ub370, \ubcf4\uc99d\uc740 \ud615\uc2dd\uc801\uc73c\ub85c\ub294 \ub2e8\uc21c\ud55c \uc11c\ub958 \uc808\ucc28 \uac19\uc544 \ubcf4\uc5ec\ub3c4 \uc2e4\uc81c\ub85c\ub294 \uc7ac\ubb34\uc801 \uc704\ud5d8\uc774 \ub9e4\uc6b0 \ud07d\ub2c8\ub2e4. \ub9cc\uc57d \ucc44\ubb34\uc790\uac00 \ube5a\uc744 \uc81c\ub300\ub85c \uac1a\uc9c0 \ubabb\ud558\uba74 \ubcf4\uc99d\uc778\uc740 \uc804\uc561\uc744 \uccad\uad6c\ubc1b\uc744 \uc218 \uc788\uace0, \uc774\ub294 \uc790\uc2e0\uc758 \uc2e0\uc6a9\ub3c4\uae4c\uc9c0 \uc2ec\uac01\ud558\uac8c \ud6fc\uc190\uc2dc\ud0b5\ub2c8\ub2e4. \uc7ac\ubb34\ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \uad00\ub9ac\ud558\ub294 \uacfc\uc815\uc774\ub77c\uba74, \ubcf4\uc99d \ubb38\uc81c\ub97c \ud2b9\ud788 \uc2e0\uc911\ud558\uac8c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf4\uc99d\uc744 \uc11c\ub294 \uc21c\uac04 \uc790\uc2e0\uc758 \ubbf8\ub798 \uc7ac\ubb34 \uc0c1\ud0dc\uac00 \ud06c\uac8c \ud754\ub4e4\ub9b4 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc6ec\ub9cc\ud558\uba74 \uc548\uc804\uac70\ub9ac\ub97c \uc720\uc9c0\ud558\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc77c\ubd80 \uc804\ubb38\uac00\ub4e4\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc77c\uc815 \ubd80\ubd84 \ube5a\uc744 \uc9c0\ub294 \uac83\uc774 \ub098\uc05c \uac83\uc740 \uc544\ub2c8\ub77c\uace0 \ub9d0\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \uc8fc\ud0dd \ub9c8\ub828\uc744 \uc704\ud574 \ub300\ucd9c\uc744 \uc774\uc6a9\ud560 \uacbd\uc6b0, \ubd80\ub3d9\uc0b0 \uc790\uc0b0 \uc0c1\uc2b9\uc774\ub098 \uc6d4\uc138 \uc218\uc775 \ub4f1\uc73c\ub85c \uc778\ud574 \uacb0\uacfc\uc801\uc73c\ub85c \uc790\uc0b0\uac00\uce58\uac00 \uc62c\ub77c\uac08 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uadf8\ub7f4 \ub54c\uc870\ucc28\ub3c4 \uc911\uc694\ud55c \uac83\uc740 \u2018\ub0b4\uac00 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc218\uc900\uc778\uac00\u2019 \ud558\ub294 \uc810\uc785\ub2c8\ub2e4. \ubb34\uc791\uc815 \ub300\ucd9c\uc744 \ubc1b\uc544\uc11c \uc9d1\uc744 \uad6c\ub9e4\ud558\uace0 \ub098\uc11c, \uc6d4\uae09 \ub300\ubd80\ubd84\uc774 \uc774\uc790 \uc0c1\ud658\uc73c\ub85c \ube60\uc838\ub098\uac00 \uc0dd\ud65c\ube44\uac00 \ubd80\uc871\ud574\uc9c4\ub2e4\uba74 \uacb0\uad6d \ub610 \ub2e4\ub978 \ube5a\uc744 \uc838\uc57c \ud558\ub294 \uc545\uc21c\ud658\uc5d0 \ube60\uc9c8 \uc218 \uc788\uc8e0. \ub530\ub77c\uc11c \ubd80\ucc44\ub97c \ud65c\uc6a9\ud558\ub354\ub77c\ub3c4 \uc804\uccb4 \uc7ac\ubb34 \uc804\ub7b5\uacfc \uc870\ud654\ub97c \uc774\ub8f0 \uc218 \uc788\ub294\uc9c0, \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uc2dc\ud558\ub294 \uae08\ub9ac\ub098 \uc0c1\ud658 \uc870\uac74\uc774 \uc801\uc808\ud55c\uc9c0\ub97c \uaf3c\uaf3c\ud788 \ub530\uc838\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2e0\uc6a9\ub3c4 \ud5a5\uc0c1\uc744 \uc704\ud574\uc11c\ub294 \uc870\uae08 \ubc88\uac70\ub86d\ub354\ub77c\ub3c4 \uaddc\uce59\uc801\uc73c\ub85c \uc804\uae30\uc694\uae08\uc774\ub098 \ud1b5\uc2e0\uc694\uae08\uc744 \uc2e0\uc6a9\uce74\ub4dc \uc790\ub3d9\uc774\uccb4\ub85c \ub450\uace0, \uc5f0\uccb4 \uc5c6\uc774 \ub0a9\ubd80 \uae30\ub85d\uc744 \uc313\uc544\uac00\ub294 \ubc29\ubc95\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\uc561 \uacb0\uc81c\ub77c\ub3c4 \uaf2c\ubc15\uaf2c\ubc15 \uc81c\ub54c \ub0a9\ubd80\ud558\ub294 \uc774\ub825\uc774 \uc313\uc774\uba74, \uc2e0\uc6a9\ud3c9\uac00\uc0ac\ub4e4\uc774 \uc774\ub97c \uae0d\uc815\uc801\uc73c\ub85c \ubc18\uc601\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ubb3c\ub860 \uc774\ub97c \uc704\ud574\uc11c\ub294 \ubcf8\uc778\uc758 \uae09\uc5ec\uc77c\uacfc \uce74\ub4dc \ub0a9\ubd80\uc77c\uc744 \uc77c\uce58\uc2dc\ud0a4\uac70\ub098, \ucda9\ubd84\ud55c \uce74\ub4dc \uacb0\uc81c \uacc4\uc88c \uc794\uc561\uc744 \uc720\uc9c0\ud574\ub458 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc2b5\uad00\uc774 \ubab8\uc5d0 \ubc30\uba74, \uc77c\uc0c1\uc0dd\ud65c\uc5d0\uc11c\uc758 \uae08\uc804\uc801 \uc2a4\ud2b8\ub808\uc2a4\ub3c4 \uc904\uc774\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \uc720\ub9ac\ud55c \uae08\uc735 \uc870\uac74\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \ubd80\ucc44 \uad00\ub9ac\uc640 \uc2e0\uc6a9\ub3c4 \ud5a5\uc0c1 \uc804\ub7b5\uc740 \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc5d0\uc11c \ube60\uc838\uc120 \uc548 \ub420 \ud575\uc2ec \uc694\uc18c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ubd80\ucc44\ub294 \ucd08\ubc18\uc5d0\ub294 \ud544\uc694 \uc545\ucc98\ub7fc \ub290\uaef4\uc9c0\uc9c0\ub9cc, \uc774\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uba74 \uc774\ud6c4\uc5d0 \ub354 \uc88b\uc740 \uae30\ud68c\ub97c \uc7a1\uc744 \uc218 \uc788\ub294 \ubc1c\ud310\uc774 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uba74\ubc00\ud788 \ud30c\uc545\ud558\uace0, \uace0\uae08\ub9ac \ubd80\ucc44\ub098 \ubd88\ud544\uc694\ud55c \ub300\ucd9c\uc744 \uc815\ub9ac\ud558\uba74\uc11c \uc2e0\uc6a9\ub3c4\uae4c\uc9c0 \ub192\uc778\ub2e4\uba74, \ub2e4\uc74c \ub2e8\uacc4\uc5d0\uc11c\uc758 \uc790\uc0b0 \uc99d\uc2dd \uae30\ud68c\uac00 \ud6e8\uc52c \ud655\ub300\ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ucc44 \uad00\ub9ac\ubfd0 \uc544\ub2c8\ub77c, \ud5a5\ud6c4 \uacb0\ud63c\uc774\ub098 \uc8fc\ud0dd \uad6c\uc785, \ucc3d\uc5c5\uc744 \uc900\ube44\ud558\ub294 \uacfc\uc815\uc5d0\uc11c\ub3c4 \uc2e0\uc6a9\ub3c4\ub294 \uc911\uc694\ud55c \uc7a3\ub300\uac00 \ub429\ub2c8\ub2e4. \uc790\uae08\uc774 \ud544\uc694\ud560 \ub54c \ub354 \ub0ae\uc740 \uae08\ub9ac, \ub354 \ud48d\ubd80\ud55c \ud55c\ub3c4\ub85c \uc790\uae08\uc744 \uc735\ud1b5\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc740 \ud070 \uc774\uc810\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \uc9c0\uae08 \ub2f9\uc7a5\uc740 \uc791\uc740 \uae08\uc561\uc778 \uac83 \uac19\uc544\ub3c4, \ubd80\ucc44\uc640 \uc2e0\uc6a9\uc744 \ud1b5\ud569\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uac1c\uc120\ud558\ub824\ub294 \ub178\ub825\uc774 \uacb0\uad6d \ubbf8\ub798\uc758 \ud070 \uc790\uc0b0\uc774 \ub420 \uac83\uc784\uc744 \uaf2d \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%eb%aa%a9%ed%91%9c-%eb%8b%ac%ec%84%b1%ec%9d%84-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%eb%b0%8f-%ec%b5%9c%ec%8b%a0-%eb%8f%99%ed%96%a5-%eb%b0%98%ec%98%81-JFjwHdeEEE\">\uc139\uc158 4: \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \ud22c\uc790 \uc804\ub7b5 \ubc0f \ucd5c\uc2e0 \ub3d9\ud5a5 \ubc18\uc601<\/h2>\n<p>\uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \ub9c8\uc9c0\ub9c9 \ub2e8\uacc4\uc5d0\uc11c\ub294 \ub192\uc544\uc9c4 \uc800\ucd95 \uc5ec\ub825\uacfc \uccb4\uacc4\uc801\uc778 \uc790\uae08 \uad00\ub9ac\ub97c \uae30\ubc18\uc73c\ub85c, \ubcf4\ub2e4 \uc801\uadf9\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud558\ub294 \ubc29\ubc95\uc744 \uace0\ubbfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0\ub294 \uc8fc\uc2dd, \ucc44\uad8c, ETF, \ud380\ub4dc, \ubd80\ub3d9\uc0b0, \uac00\uc0c1\uc790\uc0b0 \ub4f1 \ud22c\uc790\ucc98\uac00 \ubb34\uad81\ubb34\uc9c4\ud558\uac8c \uc5f4\ub824 \uc788\uc9c0\ub9cc, \ubb34\ud131\ub300\uace0 \ub6f0\uc5b4\ub4dc\ub294 \uac83\uc740 \uc704\ud5d8\ud569\ub2c8\ub2e4. \uadf8\ub807\ub2e4\uba74 \uc5b4\ub290 \uc815\ub3c4\uc758 \uacf5\ubd80\uac00 \ud544\uc694\ud560\uae4c\uc694? \ud754\ud788 \u2018\ud22c\uc790\u2019\uc640 \u2018\ud22c\uae30\u2019\ub97c \uac00\ub974\ub294 \ud575\uc2ec \uc694\uc18c\ub294 \ucda9\ubd84\ud55c \uc9c0\uc2dd\uacfc \uc815\ubcf4, \uadf8\ub9ac\uace0 \ubc1c \ube60\ub978 \ub300\uc751 \uc804\ub7b5\uc785\ub2c8\ub2e4. \ucd5c\uadfc \ud55c \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74, 20\ub300~30\ub300 \uccad\ub144\uce35\uc758 \uc57d 70% \uc774\uc0c1\uc774 \ud55c \ubc88 \uc774\uc0c1 \uc8fc\uc2dd \ud22c\uc790\ub97c \uc2dc\ub3c4\ud588\uc744 \ub9cc\ud07c \ub300\uc911\ud654\ub418\uc5c8\ub2e4\uace0 \ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub9c9\uc0c1 \ud22c\uc790\uc5d0 \ub6f0\uc5b4\ub4e4\uc5c8\ub2e4\uac00 \ud070 \uc190\uc2e4\uc744 \ubcf8 \uc0ac\ub840\ub4e4\ub3c4 \uc801\uc9c0 \uc54a\uc73c\ub2c8, \ucd08\uae30 \ub2e8\uacc4\uc5d0\uc11c\ub294 \ubc18\ub4dc\uc2dc \ubd84\uc0b0 \ud22c\uc790\ub97c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ubd84\uc0b0 \ud22c\uc790\ub780 \uc790\uc0b0\uc744 \uc5ec\ub7ec \ud56d\ubaa9\uc73c\ub85c \ub098\ub204\uc5b4 \ub193\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 100\ub9cc \uc6d0\uc744 \ud22c\uc790\ud558\ub354\ub77c\ub3c4, 50\ub9cc \uc6d0\uc740 \uc6b0\ub7c9\uc8fc\ub098 ETF, 20\ub9cc \uc6d0\uc740 \ucc44\uad8c \ud639\uc740 \ucc44\uad8c\ud615 \ud380\ub4dc, \ub098\uba38\uc9c0 30\ub9cc \uc6d0\uc740 \uc2e0\ud765\uc0b0\uc5c5 \uad00\ub828 \uc8fc\uc2dd\ucc98\ub7fc \uc0c1\ub300\uc801\uc73c\ub85c \ub9ac\uc2a4\ud06c\uac00 \uc788\ub294 \uc885\ubaa9\uc5d0 \ud22c\uc790\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \ud55c\ucabd\uc5d0\uc11c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4 \ub2e4\ub978 \ucabd\uc5d0\uc11c \uc218\uc775\uc744 \ub0b4\uc5b4 \ud3c9\ud615\uc744 \ub9de\ucd9c \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uae00\ub85c\ubc8c \uacbd\uc81c \uc815\uc138\uac00 \ube60\ub974\uac8c \ubcc0\ud558\ub294 \ud604\uc2dc\uc810\uc5d0\uc11c, \ud2b9\uc815 \uc0b0\uc5c5\uc774\ub098 \uad6d\uac00\uc5d0\ub9cc \ubab0\ube75 \ud22c\uc790\ud588\ub2e4\uac00 \ud070 \uc190\uc2e4\uc744 \ubcf4\ub294 \uc0ac\ub840\uac00 \ud754\ud788 \uad00\ucc30\ub429\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ubbf8\uad6d \ud14c\ud06c\uc8fc\ub97c \uc911\uc2ec\uc73c\ub85c \ub192\uc740 \ubcc0\ub3d9\uc131\uc774 \uc9c0\uc18d\ub418\uace0 \uc788\ub294\ub370, \uc774 \ub54c\uc5d0\ub3c4 \ubd84\uc0b0\ud22c\uc790\ub97c \ud55c \ud22c\uc790\uc790\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\uccb4 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74, ESG(\ud658\uacbd\u00b7\uc0ac\ud68c\u00b7\uc9c0\ubc30\uad6c\uc870) \ud22c\uc790\ub098 \uba54\ud0c0\ubc84\uc2a4, \uc778\uacf5\uc9c0\ub2a5 \uad00\ub828 \ud14c\ub9c8 ETF\uac00 \uc0c1\ub2f9\ud55c \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud658\uacbd \ubcf4\ud638\uc640 \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \uc911\uc2dc\ud558\ub294 \uae30\uc5c5\ub4e4\uc774\ub098, \uba54\ud0c0\ubc84\uc2a4\u00b7AI \uae30\uc220\uc744 \uc120\ub3c4\ud558\ub294 \uae30\uc5c5\ub4e4\uc774 \ubbf8\ub798\uc758 \ud601\uc2e0\uc744 \uc8fc\ub3c4\ud560 \uac83\uc73c\ub85c \ud3c9\uac00\ubc1b\uae30 \ub54c\ubb38\uc774\uc8e0. \uc18c\uc561 \ud22c\uc790\ub85c\ub3c4 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 ETF\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uac04\ub2e8\ud788 \uc2dc\uc791\ud558\uae30 \uc88b\uc740 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74 \uac1c\ubcc4 \uc885\ubaa9\uc744 \ubd84\uc11d\ud558\uace0 \uc120\ud0dd\ud558\ub294 \uac83\ubcf4\ub2e4, ETF\ub294 \uc5ec\ub7ec \uc885\ubaa9\uc5d0 \uc54c\uc544\uc11c \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uc131\uaca9\uc744 \uc9c0\ub2c8\uace0 \uc788\uc5b4 \uc5f0\uad6c \ubd80\ub2f4\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uc885\ubaa9 \uc120\ud0dd\uc774 \uc544\ub2c8\ub77c \uc5b4\ub5a4 ETF\ub97c \uc0b4\uc9c0 \uacb0\uc815\ud558\ub294 \ub2e8\uacc4\uc5d0\uc11c, \ud574\ub2f9 ETF\uac00 \ucd94\uc885\ud558\ub294 \uc9c0\uc218\uc640 \ubcf4\uc218\uc728, \uc6b4\uc6a9\uc0ac \ub4f1\uc744 \uaf3c\uaf3c\ud558\uac8c \uc0b4\ud3b4\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc6b0\uc120\ud560 \ub9cc\ud55c \ud22c\uc790 \uc804\ub7b5\uc73c\ub85c\ub294 \u2018\ud64d\uae38\ub3d9 \uc804\ub7b5\u2019 \ud639\uc740 \u2018\uacc4\ud68d\uc801\uc778 \ud655\uc7a5 \uc804\ub7b5\u2019\uc744 \uc608\ub85c \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u2018\ud64d\uae38\ub3d9 \uc804\ub7b5\u2019\uc774\ub780 \uc774\ub984\uc740 \ud754\ud558\uc9c0\ub9cc \uc2e4\uc81c\ub85c \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uaf64 \uc720\uc6a9\ud55c \uac1c\ub150\uc785\ub2c8\ub2e4. \uac04\ub2e8\ud788 \ub9d0\ud574, \uc77c\uc815 \uae08\uc561\uc744 \ub9e4\ub2ec \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \uacc4\uc18d \ud22c\uc790\ud574 \ub098\uac00\ub294 \uc801\ub9bd\uc2dd \ud22c\uc790 \ubc29\ubc95\uc744 \uac00\ub9ac\ud0b5\ub2c8\ub2e4. \uc7ac\ubb34 \ubaa9\ud45c\uac00 \u20183\ub144 \ud6c4 \uc885\uc7a3\ub3c8 1\ucc9c\ub9cc \uc6d0 \ub9c8\ub828\u2019 \uac19\uc740 \ud615\ud0dc\ub77c\uba74, \uc6d4 30\ub9cc~40\ub9cc \uc6d0\uc529 \uafb8\uc900\ud788 \uc801\ub9bd\ud574 \ud380\ub4dc\ub098 ETF\uc5d0 \ud22c\uc790\ud574 \ub450\ub294 \uac83\uc774\uc8e0. \uc2dc\uc7a5\uc774 \ud558\ub77d\ud574\ub3c4 \uc624\ud788\ub824 \ud3c9\uade0 \ub9e4\uc218\uac00\uac00 \ub0ae\uc544\uc9c0\ub294 \ud6a8\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uace0, \uc0c1\uc2b9\uc7a5\uc5d0\uc11c\ub294 \uc218\uc775\uc774 \ub204\uc801\ub429\ub2c8\ub2e4. \uc774\ub807\uac8c \uaddc\uce59\uc801\uc73c\ub85c \uc801\ub9bd\uc2dd \ud22c\uc790\ub97c \ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\uba74, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\ub294 \uc88b\uc740 \uc218\ub2e8\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \ucd5c\uadfc \ub3d9\ud5a5\uc73c\ub85c\ub294 \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub098 \uc778\uacf5\uc9c0\ub2a5 \uae30\ubc18 \ud22c\uc790 \ud50c\ub7ab\ud3fc\uc758 \uae09\uaca9\ud55c \ud655\uc0b0\uc774 \ub208\uc5d0 \ub755\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c\ub294 \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uacf5\ubd80\uc5d0 \uc2dc\uac04\uc744 \ub9ce\uc774 \ud560\uc560\ud558\uae30 \uc5b4\ub835\ub2e4\ub294 \uc810\uc5d0\uc11c, \uc774\ub7f0 \uc790\ub3d9\ud654\ub41c \ud22c\uc790 \uc11c\ube44\uc2a4\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub294 \uace0\uac1d\uc758 \uc704\ud5d8\uae30\ud53c \uc131\ud5a5, \ubaa9\ud45c \uc218\uc775\ub960, \ud22c\uc790 \uae30\uac04 \ub4f1\uc744 \uc785\ub825\ubc1b\uc544 \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc81c\uc2dc\ud558\ub294\ub370, \uc774\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\uc5d0\uac8c \uc77c\uc885\uc758 \uac00\uc774\ub4dc\ub77c\uc778\uc774 \ub418\uc5b4 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub3c4 \ub9cc\ub2a5\uc740 \uc544\ub2c8\ubbc0\ub85c, \uc81c\uacf5\ub418\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc2e4\uc81c \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ubd80\ud569\ud558\ub294\uc9c0, \uc218\uc218\ub8cc \uad6c\uc870\ub294 \ud569\ub9ac\uc801\uc778\uc9c0\ub97c \uc810\uac80\ud558\ub294 \uac83\uc740 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uacb0\uacfc\ub97c \ud3c9\uac00\ud558\ub824\uba74 \ucd5c\uc18c\ud55c \ubd84\uae30\ubcc4\u00b7\ubc18\uae30\ubcc4\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uacfc \uc131\uacfc\ub97c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\uc815 \ubaa9\ud45c \uc218\uc775\ub960\uc744 \uc124\uc815\ud574\ub193\uace0 \uadf8\uc5d0 \ub9de\uac8c \uc8fc\uae30\uc801\uc73c\ub85c \uc7ac\uc870\uc815(rebalancing)\uc744 \ud574\uc8fc\ub294 \uac8c \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uae09\uc791\uc2a4\ub7f0 \uc99d\uc2dc \ubcc0\ub3d9\uc774 \uc788\uc744 \ub54c \uc790\uc2e0\ub3c4 \ubaa8\ub974\uac8c \uacf5\ud3ec \uc2ec\ub9ac\uc5d0 \ud729\uc4f8\ub824 \ub9e4\ub3c4\ud558\ub294 \ud589\ud0dc, \ud639\uc740 \ubb3b\uc9c0 \ub9c8 \ub9e4\uc218\ub97c \ud558\ub294 \uac83\uc740 \ucd08\ubcf4\uc790\ub4e4\uc774 \uac00\uc7a5 \uc790\uc8fc \ubc94\ud558\ub294 \uc2e4\uc218\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubbf8\ub9ac \u2018\uc774 \uc815\ub3c4 \ud558\ub77d\uc774 \uc624\uba74 \uc5b4\ub5bb\uac8c \ub300\uc751\ud560\uc9c0\u2019\ub77c\ub294 \uc2dc\ub098\ub9ac\uc624\ub97c \ub9c8\ub828\ud574\ub450\uace0, \uadf8\uc5d0 \ub530\ub77c \ucc28\ubd84\ud788 \ub300\uc751\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc5ec\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud22c\uc790 \uc2e4\ud328\ub97c \ucd5c\uc18c\ud654\ud558\uace0 \ubaa9\ud45c \ub2ec\uc131 \uac00\ub2a5\uc131\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ub3d9\uc0b0\uc5d0\ub3c4 \uad00\uc2ec\uc774 \uc788\ub2e4\uba74, \ucd5c\uadfc \ud2b8\ub80c\ub4dc\ub294 \u2018\uc18c\uc561 \ubd80\ub3d9\uc0b0 \ud22c\uc790\u2019\uc640 \u2018\uacf5\ub3d9\uad6c\ub9e4\ud615 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529\u2019\uc785\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc73c\ub85c \ubd80\ub3d9\uc0b0\uc740 \ub9ce\uc740 \uc790\uae08\uc744 \ud544\uc694\ub85c \ud588\uc9c0\ub9cc, \uc774\uc81c\ub294 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 1\ub9cc \uc6d0, 10\ub9cc \uc6d0 \ub2e8\uc704\ub85c\ub3c4 \ud22c\uc790\ubd84\ud560\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uac74\ubb3c\uc744 \uc5ec\ub7ec \uc8fc\uc8fc\uac00 \uc9c0\ubd84 \ud615\ud0dc\ub85c \uc18c\uc720\ud558\uace0, \uc784\ub300 \uc218\uc775\uc774\ub098 \ucc28\uc775\uc744 \uc9c0\ubd84\ub9cc\ud07c \ubc30\ubd84\ubc1b\ub294 \uac1c\ub150\uc785\ub2c8\ub2e4. \uc774\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub3c4 \ubd80\ub3d9\uc0b0 \uc2dc\uc138 \ucc28\uc775\uc744 \ub178\ub9b4 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc5ed\uc2dc\ub098 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc758 \uce68\uccb4\ub098 \uacf5\uc2e4 \ubb38\uc81c, \ud50c\ub7ab\ud3fc\uc758 \uc2e0\ub8b0\ub3c4 \ub4f1 \ub2e4\uc591\ud55c \ub9ac\uc2a4\ud06c\uac00 \uc788\uc73c\ubbc0\ub85c \uc2e0\uc911\ud55c \uc811\uadfc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc9c1\uc811 \uc8fc\uac70\uc6a9\uc73c\ub85c \uc9d1\uc744 \uc0ac\ub294 \uacbd\uc6b0\ub77c\uba74, \ub300\ucd9c \uc774\uc790\uc640 \uc720\uc9c0\ube44, \uadf8\ub9ac\uace0 \uc9d1\uac12 \ubcc0\ub3d9\uc131\uc744 \ubaa8\ub450 \uac10\uc548\ud574\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8 \ucd5c\uadfc \ubab0\ub77c\ubcf4\uac8c \uc774\ubaa9\uc774 \uc9d1\uc911\ub41c \uac00\uc0c1\uc790\uc0b0(\uc554\ud638\ud654\ud3d0, NFT, \ub514\ud30c\uc774 \ub4f1)\uc5d0 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\ub3c4 \ud06c\uac8c \ub298\uc5c8\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \u2018\ub2e8\uae30\uac04\uc5d0 \ud070\ub3c8\uc744 \ubc8c\uc5b4\ubcf4\uaca0\ub2e4\u2019\ub294 \uc695\uc2ec\uc73c\ub85c \uac00\uc0c1\uc790\uc0b0 \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud558\ub294 \uc77c\ub3c4 \ube48\ubc88\ud55c\ub370, \uc774 \uc2dc\uc7a5\uc740 \ub2e4\ub978 \uae08\uc735 \uc790\uc0b0\ubcf4\ub2e4 \ubcc0\ub3d9\ud3ed\uc774 \ub9e4\uc6b0 \ud06c\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc548\uc815\uc801 \ubc29\uc2dd\uacfc\ub294 \ubc18\ub300 \ucd95\uc5d0 \uc788\ub2e4\uace0 \ubcfc \uc218 \uc788\uc73c\ubbc0\ub85c, \uaf2d \ud22c\uc790\ud558\uace0 \uc2f6\ub2e4\uba74 \uc18c\uc561 \ubc94\uc704 \ub0b4\uc5d0\uc11c \uccb4\ud5d8\ud558\uac70\ub098, \uc804\uccb4 \uc790\uc0b0\uc758 5~10% \uc774\ud558 \uc815\ub3c4\ub85c \ucc38\uc5ec\ud558\ub294 \uac83\uc774 \ub0ab\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 leverage(\ub808\ubc84\ub9ac\uc9c0)\ub97c \uc4f0\uac70\ub098 \ubb34\ub9ac\ud55c \uc2e0\uc6a9 \uac70\ub798\ub97c \ud558\uba74 \uc790\uc0b0\uc744 \uc783\uc744 \uc704\ud5d8\uc131\uc774 \ud6e8\uc52c \ucee4\uc9c0\ubbc0\ub85c, \uc808\ub300 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc640 \uad00\ub828\ud558\uc5ec \ud55c \uac00\uc9c0 \ub354 \uac15\uc870\ud558\uace0 \uc2f6\uc740 \uc810\uc740, \uc801\uc808\ud55c \ud22c\uc790 \uc131\uacfc\uac00 \ub098\uc624\uba74 \u2018\uc774\uc775 \uc2e4\ud604\u2019\uc744 \uc5b4\ub5bb\uac8c \ud560\uc9c0 \ubbf8\ub9ac \uacc4\ud68d\ud574\ub450\uc5b4\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc77c\ubd80 \ud22c\uc790\uc790\ub4e4\uc740 \uacc4\uc18d\ud574\uc11c \uc218\uc775\uc744 \uc7ac\ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc790\uc0b0\uc744 \ubd88\ub9ac\ub824\ub294 \uc804\ub7b5\uc744 \ud0dd\ud569\ub2c8\ub2e4. \ubc18\uba74 \ub610 \ub2e4\ub978 \ud22c\uc790\uc790\ub4e4\uc740 \uc77c\uc815 \ubaa9\ud45c \uc218\uc775\ub960 \uc774\uc0c1 \ub2ec\uc131\ud558\uba74 \uc77c\ubd80 \uc774\uc775\uc744 \ud68c\uc218\ud574 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \uc62e\uae30\uac70\ub098, \uc0dd\ud65c\ube44\ub098 \ud559\uc790\uae08 \uc0c1\ud658 \ub4f1\uc5d0 \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uc774\ub294 \uac01\uc790\uc758 \uc131\ud5a5\uacfc \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \ubb34\uc791\uc815 \ud22c\uc790\ub9cc \ud558\uace0 \uc218\uc775\uc744 \uc5b4\ub514\uc5d0 \uc5b4\ub5bb\uac8c \uc4f8\uc9c0 \uacc4\ud68d\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \uc81c\ub300\ub85c \uae30\uc5ec\ud558\uc9c0 \ubabb\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \u201c\uc774\uc775 \uc2e4\ud604 \uc2dc\uc810\u201d\uacfc \ubc29\ubc95\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc815\ud574\ub450\uba74, \ub9c9\uc5f0\ud55c \uace0\ubbfc \uc5c6\uc774 \uc804\ub7b5\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc6b4\uc6a9\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ud22c\uc790\ub85c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub824\uba74, \ucd5c\uc2e0 \ub3d9\ud5a5\uc744 \ud30c\uc545\ud558\ub418 \ubb34\uc870\uac74\uc801\uc73c\ub85c \ub300\uc138\ub97c \ucad3\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc2a4\uc2a4\ub85c \uccb4\ub4dd\ud55c \ud22c\uc790 \uc6d0\uce59\u00b7\uc704\ud5d8 \uad00\ub9ac \ubc29\uc2dd\uc744 \ubc14\ud0d5\uc73c\ub85c \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc694\ucee8\ub300 \uc9c0\ub098\uce5c \ub2e8\ud0c0\ub9e4\ub9e4\ub098 \u2018\ud558\uc774 \ub9ac\uc2a4\ud06c \ud558\uc774 \ub9ac\ud134\u2019\ub9cc \ucd94\uad6c\ud558\uae30\ubcf4\ub2e4\ub294, \ubcf8\uc778\uc758 \uc7a5\uae30 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \uc5b4\uc6b0\ub7ec\uc9c0\ub294 \ud22c\uc790 \ubc29\ubc95\uc744 \ucc3e\uace0 \uafb8\uc900\ud788 \uc2e4\ud589\ud558\ub294 \uac83\uc774 \uc2b9\ub9ac \uacf5\uc2dd\uc785\ub2c8\ub2e4. \uc774\ub7f0 \uacfc\uc815\uc744 \ud1b5\ud558\ub354\ub77c\ub3c4 \uc2dc\uc7a5 \uc0c1\ud669\uc740 \uc5b8\uc81c\ub098 \ubcc0\ub3d9\uc801\uc774\uae30 \ub54c\ubb38\uc5d0, \uc791\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \uacf5\ubd80\ud558\uace0 \ubaa8\ub2c8\ud130\ub9c1\ud558\uba70 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\ub294 \uc790\uc138\uac00 \ubc18\ub4dc\uc2dc \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc790\uae08\uc744 \ubaa8\uc544\ub193\uc744 \uc218 \uc788\ub2e4\uba74, \ub2e4\uc74c \ub2e8\uacc4\uc758 \uc778\uc0dd \uc774\ubca4\ud2b8(\uacb0\ud63c, \uc8fc\ud0dd \uad6c\ub9e4, \ucc3d\uc5c5 \ub4f1)\uc5d0\uc11c \ubcf4\ub2e4 \uc720\ub9ac\ud55c \ucd9c\ubc1c\uc120\uc744 \uac16\uac8c \ub429\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \u2018\ub3c8\uc774 \ub9ce\uc544\uc9c0\ub294\u2019 \uac83\uc744 \ub118\uc5b4 \uc2e4\uc81c\ub85c \uc0b6\uc758 \uc5ec\ub7ec \uc120\ud0dd\uad8c\uc774 \ub298\uc5b4\ub098\ub294 \ud6a8\uacfc\ub97c \uac00\uc838\ub2e4\uc90d\ub2c8\ub2e4. \uc989, \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uacfc \uc608\uc0b0 \ubc0f \ubd80\ucc44\uad00\ub9ac, \uadf8\ub9ac\uace0 \ud569\ub9ac\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \ud558\ub098\uc758 \uc0ac\uc774\ud074\ub85c \uc6b4\uc601\ud558\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd \ub54c\ubd80\ud130 \uc778\uc0dd\uc758 \ud070 \uadf8\ub9bc\uc744 \uc2a4\uc2a4\ub85c \uadf8\ub824\ubcfc \uc218 \uc788\ub294 \uae30\ud68c\uac00 \uc5f4\ub9ac\ub294 \uac83\uc774\uc8e0. \uacb0\uad6d \uc774 \ubaa8\ub4e0 \uacfc\uc815\uc774 \uc804\ubb38\uac00 \uc218\uc900\uc758 \uc9c0\uc2dd\uacfc \ub178\ub825\uc774 \ud544\uc694\ud55c \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uc801\uc5b4\ub3c4 \uae30\ubcf8 \uc6d0\ub9ac\uc640 \uc6d0\uce59\uc744 \uc9c0\ud0a4\uace0, \ucc45\uc784\uac10 \uc788\uac8c \uc2e4\ud589\ud558\ub294 \ud0dc\ub3c4\uac00 \ud544\uc218\uc801\uc784\uc744 \uc78a\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"%eb%a7%88%eb%ac%b4%eb%a6%ac-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d-%ec%9e%ac%eb%ac%b4-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95%ec%9d%98-%ed%95%b5%ec%8b%ac-%ec%9a%94%ec%95%bd-JFjwHdeEEE\">\ub9c8\ubb34\ub9ac: \uc0ac\ud68c \ucd08\ub144\uc0dd \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc758 \ud575\uc2ec \uc694\uc57d<\/h2>\n<p>\uc9c0\uae08\uae4c\uc9c0 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc5b4\ub5bb\uac8c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \uadf8 \ubaa9\ud45c\uc5d0 \ub530\ub77c \uccb4\uacc4\uc801\uc73c\ub85c \ub2ec\uc131\ud574\ub098\uac08 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc740 \ub2e8\uc21c\ud788 \uc800\ucd95\uacfc \ud22c\uc790\ub97c \ud1b5\ud574 \u201c\ub3c8\uc744 \ubc8c\uc790\u201d\ub294 \uac83 \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uc9c0\ub2d9\ub2c8\ub2e4. \uc774\ub294 \uc790\uc2e0\uc758 \uc0b6\uc744 \uc7a5\uae30\uc801\uc73c\ub85c \uc124\uacc4\ud558\uace0, \uc911\uc694\ud55c \uc120\ud0dd\uc744 \ud3ec\uae30\ud558\uc9c0 \uc54a\uae30 \uc704\ud574 \ud544\uc694\ud55c \ubc11\ubc14\ud0d5\uc774 \ub429\ub2c8\ub2e4. \uccab\uc9f8, \uc7ac\ubb34 \ubaa9\ud45c\ub294 \ubb34\uc791\uc815 \uac70\ucc3d\ud558\uac8c \uc138\uc6b0\uae30\ubcf4\ub2e4\ub294, \uae30\uac04\uacfc \uad6c\uccb4\uc801\uc778 \uae08\uc561, \uadf8\ub9ac\uace0 \ud22c\uc790 \uc218\ub2e8\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uc774\ub97c \uc2e4\ud589\ud558\uae30 \uc704\ud574 \uc608\uc0b0 \uc218\ub9bd\uacfc \uc18c\ube44 \ud1b5\uc81c, \uadf8\ub9ac\uace0 \ubd80\ucc44 \uad00\ub9ac \uc804\ub7b5\uc774 \uc720\uae30\uc801\uc73c\ub85c \uc5f0\uacb0\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc14b\uc9f8, \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5\uc744 \uc801\uc808\ud788 \ubc18\uc601\ud558\ub418, \uc790\uc2e0\uc758 \uc704\ud5d8 \uac10\ub0b4\ub3c4\uc640 \uc7ac\ubb34 \ubaa9\ud45c \uae30\uac04\uc5d0 \ub9de\ucdb0 \ubd84\uc0b0 \ud22c\uc790\uc640 \uc7a5\uae30 \ud22c\uc790 \uc2b5\uad00\uc744 \uae38\ub7ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\ub294 \ub2e8\uacc4\ub294 \uc544\uc9c1 \uc218\uc785\uc774 \uc801\uace0, \uc9c0\ucd9c\uc774 \ub9ce\uc740 \uacbd\uc6b0\uac00 \ud754\ud558\uc9c0\ub9cc, \uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc801\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \uc800\ucd95\ud558\uace0 \ud22c\uc790\ud55c\ub2e4\uba74 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud1b5\ud574 \uc0dd\uac01\ubcf4\ub2e4 \ube60\ub974\uac8c \uc790\uc0b0\uc774 \ubd88\uc5b4\ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ubd80\ucc44 \uad00\ub9ac\uc640 \uc2e0\uc6a9\ub3c4 \ud5a5\uc0c1 \uc804\ub7b5\uc744 \uc870\uae30\uc5d0 \uc2e4\ucc9c\ud574\ub450\uba74, \ud5a5\ud6c4 \uc8fc\ud0dd \uad6c\ub9e4\ub098 \ucc3d\uc5c5 \ub4f1 \uc778\uc0dd\uc758 \uc911\uc694\ud55c \uc774\ubca4\ud2b8\uc5d0\uc11c \ud6e8\uc52c \uc720\ub9ac\ud55c \uc704\uce58\ub97c \ucc28\uc9c0\ud558\uac8c \ub429\ub2c8\ub2e4. \uacb0\uad6d \ud575\uc2ec\uc740 \u201c\uc7a5\uae30 \uacc4\ud68d\uc758 \uc8fc\ub3c4\uc131\u201d\uc785\ub2c8\ub2e4. \uc624\ub298 \ub2f9\uc7a5 \ud070 \uc774\uc775\uc744 \ub0b4\uc9c0 \ubabb\ud558\ub354\ub77c\ub3c4, 1\ub144 \ub4a4, 5\ub144 \ub4a4, 10\ub144 \ub4a4\ub97c \ub0b4\ub2e4\ubcf4\uba70 \ubaa9\ud45c\ub97c \ucc28\uadfc\ucc28\uadfc \uc774\ud589\ud55c\ub2e4\uba74, \ub204\uad6c\ub4e0 \uc7ac\ubb34\uc801 \uc790\uc720\uc640 \ud48d\uc871\ud568\uc5d0 \ud55c \uac78\uc74c \ub354 \ub2e4\uac00\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc774 \uc911\uc694\ud55c \uc2b5\uad00\uacfc \uc6d0\uce59\uc744 \ubab8\uc5d0 \uc775\ud788\uace0, \ud55c\ubc1c\uc529 \uafb8\uc900\ud788 \ub178\ub825\ud55c\ub2e4\uba74, \ubbf8\ub798\uc758 \uc790\uc2e0\uc5d0\uac8c \ud070 \ubcf4\ub2f5\uc774 \ub418\uc5b4 \ub3cc\uc544\uc62c \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c 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