{"id":471,"date":"2017-11-19T17:01:50","date_gmt":"2017-11-19T08:01:50","guid":{"rendered":"http:\/\/www.fsquare.co.kr\/?p=471"},"modified":"2017-11-19T17:01:50","modified_gmt":"2017-11-19T08:01:50","slug":"%ed%8f%89%ec%83%9d-%ec%9e%ac%ed%85%8c%ed%81%ac-2-%ec%9e%90%ec%82%b0%eb%b0%b0%eb%b6%84%ea%b3%bc-%ec%9d%b8%ec%83%9d%ec%84%a4%ea%b3%84","status":"publish","type":"post","link":"https:\/\/www.fsquare.co.kr\/?p=471","title":{"rendered":"\ud3c9\uc0dd \uc7ac\ud14c\ud06c (2) – \uc790\uc0b0\ubc30\ubd84\uacfc \uc778\uc0dd\uc124\uacc4"},"content":{"rendered":"

\uc7ac\ud14c\ud06c \uc598\uae30\ub97c \uc11c\ub450\uc5d0 \uaebc\ub0b4\uace0 \uc790\uc0b0\ubc30\ubd84 \uc598\uae30\ud558\uba74 “\uc774\ub7f0 \uc329\ub6b1\ub9de\uc740…”\ud558\ub294 \uc0dd\uac01\uc774 \ub4e4\uac70\ub2e4. \ud2b9\ud788, \ub300\ud559\uc5d0\uc11c \uc7ac\ubb34\uad00\ub828 \uacf5\ubd80 \uc880 \ud588\ub2e4\uace0 \ud558\ub294 \ubd84\ub4e4\uc740 \uc790\uc0b0\ubc30\ubd84\ud558\uba74 “\uadf8\uae4c\uc774\uaebc \uadf8\uac8c \ubb54\ub370? \ucc45\uc5d0 \ub098\uc624\ub294 \uadf8\ub7f0 \uace0\ub9ac\ud0c0\ubd84\ud55c \uac78\ub85c \ubb34\uc2a8 \uc7ac\ud14c\ud06c?” \ud560\uac70\ub2e4.
\n\ud558\uc9c0\ub9cc \uc6b0\ub9ac\ub098\ub77c \ub300\ud615 \uc5f0\uae08, \uae30\uae08, \uc790\uc798\ud55c(3000\uc5b5~1\uc870 \uc815\ub3c4 \uaddc\ubaa8\uc758 ) \uc911\ud615 \uc815\ubd80 \uae30\uae08 \uc774\ub098 \uc911\ub300\ud615 \uacf5\uc81c\ud68c\ub4e4 \uc911 \uc5b4\ub290 \ud55c \uacf3 \uc790\uc0b0\ubc30\ubd84\uc744 \ud558\uc9c0 \uc54a\ub294 \uacf3\uc740 \uc5c6\ub2e4. \ubb3c\ub860 \ub300\ubd80\ubd84\uc758 \uc5f0\uae30\uae08, \uacf5\uc81c\uae30\uae08\uc5d0\uc11c\ub3c4 \uc790\uc0b0\ubc30\ubd84\uc758 \uc911\uc694\uc131\uc740 \uc798 \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uace0 \ud615\uc2dd\uc801\uc774\uace0 \ubcf4\uace0\ub97c \uc704\ud574\uc11c, \uac10\ub3c5\uae30\uad00\uc5d0 \ub300\ud55c \uba74\ud53c\uc6a9\uc73c\ub85c, \ub610\ub294 \ud558\ub77c\ub2c8\uae4c \ud558\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\ub2e4.
\n\uc77c\ubc18\uc778\uc774 \uc0dd\uac01\ud558\ub294 \uc790\uc0b0\uc6b4\uc6a9\uc740 \uc8fc\uc2dd\uc774\ub098 ELS, \uae30\uaecf\ud574\uc57c \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uace0 \uc9e7\uac8c\ub294 1-2\uc8fc, \uae38\uac8c\ub294 2-3\uac1c\uc6d4 \ub0b4\uc5d0 30~50% \uc815\ub3c4\uc758 \uc218\uc775\uc744 \uac00\uc838\ub2e4 \uc918\uc57c \uc131\uacf5\uc801\uc778 \uc790\uc0b0\uc6b4\uc6a9\uc774 \uc544\ub2c8\ub0d0 \ud560\uac70\ub2e4. \uc880 \uacbd\ud5d8\uc774 \uc788\ub294 \uc0ac\ub78c\ub4e4\uc774\ub77c\uba74 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc73c\ub85c \ud22c\uc790\ud55c \uc9c0 6-7\uac1c\uc6d4\uc5d0 20~30% \uc815\ub3c4\uc758 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucc59\uae30\uac70\ub098 \ubd80\ub3d9\uc0b0 \ud22c\uc790\ub97c \ud1b5\ud574 3~4\ub144\uc5d0 1~3\uc5b5 \uc815\ub3c4\uc758 \uc218\uc775\uc744 \ucc59\uae30\ub294 \uac83\uc73c\ub85c \uc0dd\uac01\ud558\uac8c \ub420\uac70\ub2e4. \uadf8\ub7ec\ub098 \uadf8\ub7f0 \uae30\ud68c\uac00 \ub204\uad6c\uc5d0\uac8c\ub098 \uc790\uc8fc \uc624\uc9c0 \uc54a\ub294\ub2e4.<\/p>\n

\uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791 \ub2e8\uacc4\uc5d0 \uc65c \uc790\uc0b0 \ubc30\ubd84\uacfc \uc778\uc0dd\uc124\uacc4 \uc598\uae30\ub97c \uaebc\ub0b4\ub294\uac00\ud558\uba74 \ub9ce\uc740 \uc7ac\ud14c\ud06c \uc218\ub2e8\ub4e4\uc744 \ub204\uad6c\ub098 \uc544\ubb34\ub54c\ub098 \ubaa8\ub450 \uc801\uc6a9\ud560 \uc218\ub294 \uc5c6\uae30 \ub54c\ubb38\uc774\ub2e4. \ub3c8\uc774 \uc5c6\ub294 \uacbd\uc6b0 \ud560 \uc218 \uc788\ub294 \uc7ac\ud14c\ud06c\uc640 \ub3c8\uc774 \uc5b4\ub290 \uc815\ub3c4 \ubaa8\uc778 \ub2e8\uacc4\uc5d0\uc11c \ud560 \uc218 \uc788\ub294 \ubc29\ubc95, \uc6d4\uae09\uc774\ub098 \uc218\uc775\uc774 \uc548\uc815\uc801\uc73c\ub85c \ub4e4\uc5b4\uc624\ub294 \uacbd\uc6b0\uc5d0 \uc4f8 \uc218 \uc788\ub294 \uc218\ub2e8\uacfc \ub300\ucd9c\uc774 \uc26c\uc6b4 \uacbd\uc6b0\uc5d0\ub9cc \uc4f8 \uc218 \uc788\ub294 \uc218\ub2e8 \ub4f1\uc774 \ubaa8\ub450 \ub2e4\ub978\ub370 \ubb34\ud131\ub300\uace0 \ub124\uc774\ubc84\uc5d0 \ub098\uc628 “\uc131\uacf5\uc2a4\ud1a0\ub9ac”, “3\ub144\ub9cc\uc5d0 1\uc5b5 \ubaa8\uc73c\uae30” \uac19\uc740 \ubc29\ubc95\uc744 \ub530\ub77c\ud558\ub2e4\uac00\ub294 \uace7 \ud53c\ub85c\uac10\uacfc \ud604\uc2e4\uacfc\uc758 \uad34\ub9ac\uac10\uc5d0 \ub098\uac00 \ub5a8\uc5b4\uc9c0\uac8c \ub41c\ub2e4.<\/p>\n

\uc790\uc2e0\uc758 \ub098\uc774(\ub3c8\uc744 \ubc8c \uc218 \uc788\ub294 \uae30\uac04\uc744 \uace0\ub824), \uc218\uc785(\ud22c\uc790\uae08 \uace0\ub824), \uc7a5\uae30 \ubaa9\ud45c(\ub0b4\uc9d1 \ub9c8\ub828, \uacb0\ud63c \ub4f1 \ubaa9\ub3c8\uc774 \ud544\uc694\ud55c \uc2dc\uae30) \ub4f1\uc744 \ubaa8\ub450 \uc5d1\uc140\uc5d0 \ud45c\uc2dc\ub97c \ud558\uace0 \ub2e4\uc74c\uc758 \ub2e8\uacc4\ub97c \ud1b5\ud574 \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6b0\ub3c4\ub85d \ud558\uc790.<\/p>\n

\uba3c\uc800, \ud328\uc2dc\ube0c(Passive) \ud22c\uc790\ub85c \uacc4\ud68d\uc744 \uc138\uc6b0\uc790.<\/strong><\/p>\n

\ud328\uc2dc\ube0c \ud22c\uc790\ub780 Active \ud22c\uc790\uc758 \ubc18\ub300 \uac1c\ub150\uc73c\ub85c \uc801\uadf9\uc801\uc778 \uc885\ubaa9\uc120\uc815\uacfc \ud22c\uc790 \uae30\ubc95 \ubc1c\uad74 \ub4f1\uc744 \ud1b5\ud574 \uc2dc\uc7a5\uc218\uc775\ub960 \ubcf4\ub2e4 \ud55c\ud47c\uc774\ub77c\ub3c4 \ub354 \uc218\uc775\uc744 \uc62c\ub9ac\uae30 \uc704\ud574 \uc544\ub4f1\ubc14\ub4f1\ud558\ub294 \uac83\uc774 \uc544\ub2cc \uc2dc\uc7a5 \uc218\uc775\ub960, \uc608\ub97c \ub4e4\uba74 \uc8fc\uc2dd \uc2dc\uc7a5\uc744 \ub300\ud45c\ud558\ub294 KOSPI \uc9c0\uc218\uc5d0 \ud22c\uc790\ud558\uace0 KOSPI \uac00 \uc6c0\uc9c1\uc774\ub294 \ub300\ub85c\uc758 \uc218\uc775\ub960\uc744 \ubc1b\uc544\ub4e4\uc774\ub294 \ud22c\uc790\uc804\ub7b5\uc774\ub2e4. \uc6b0\ub9ac\uac00 \ud22c\uc790 \uc804\ubb38\uac00\uac00 \uc544\ub2c8\ub77c\uba74 \uc77c\ub2e8 \uc774 Passive \ud22c\uc790 \uc804\ub7b5\uc744 \uae30\ubcf8\uc73c\ub85c \uacc4\uc0b0\uc744 \ud574\uc57c \ud55c\ub2e4.
\n2012\ub144 11\uc6d4 1\uc77c\ubd80\ud130 2017\ub144 10\uc6d4 30\uc77c\uae4c\uc9c0 5\ub144\uac04 \uc8fc\uac00 \uc218\uc775\ub960\uc740 \uc57d 32%\ub85c 1\ub144\uc5d0 \uc57d 6.4%\uc758 \uc218\uc775\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4. \uc815\uae30\uc608\uae08\uc740 \uc57d 3%\ub85c \uac00\uc815\ud558\uba74 3%\uc640 6.4%\uc758 \uae30\ub300 \uc218\uc775\ub960\uacfc \uac01 \uc790\uc0b0\uc758 \ubcc0\ub3d9\uc131\uc744 \uac10\uc548\ud55c Efficient Frontier\ub97c \ub3c4\ucd9c \ud560 \uc218 \uc788\ub2e4. \uc774 \uc790\uc0b0 \ubc30\ubd84 \uc120 \uc911 \uac10\ub0b4\ud560 \uc218 \uc788\ub294 \uc801\uc808\ud55c \uc704\ud5d8 \ub610\ub294 \ud544\uc694\ub85c \ud558\ub294 \ubaa9\ud45c \uc218\uc775\ub960\uc744 \uc120\ud0dd\ud558\uba74 \uc815\uae30\uc608\uae08\uacfc \uc8fc\uc2dd \ud22c\uc790 \ube44\uc911\uc774 \ub098\uc62c \uac83\uc774\ub2e4. (\uc790\uc0b0 \ubc30\ubd84\uc758 \uad6c\uccb4\uc801\uc778 \uc808\ucc28\ub294 \uc0dd\ub7b5)
\n\uc5f0\uae30\uae08\uc774\ub098 \uacf5\uc81c\ud68c, \ubcf4\ud5d8\uc0ac\ub77c\uba74 \uc774 \uc790\uc0b0 \ubc30\ubd84 \ube44\uc911\uc744 \ub530\ub978 Passive \ud22c\uc790\ub85c \ud574\ub2f9 \ud22c\uc790 \uae30\uac04 (\uc608\ub97c \ub4e4\uba74 1\ub144, 5\ub144, 10\ub144 \ub3d9\uc548) Passive \ud22c\uc790\ub97c \ud558\uba74 \ub41c\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc8fc\uc2dd \ud22c\uc790 \ube44\uc911\uc774 60%, \uc815\uae30\uc608\uae08 \ube44\uc911\uc774 40%\ub77c\uba74 KOSPI ETF, \ub610\ub294 Index Fund\uc5d0 \ub9e4\ub144 \ud22c\uc790\uae08\uc758 60%\ub97c \ud22c\uc790\ud558\uace0 \ub9cc\uae30\ub97c \uace0\ub824\ud558\uc5ec \uc815\uae30\uc608\uae08\uc5d0 40%\ub97c \uacc4\uc18d \ud22c\uc790\ud574 \ub098\uac00\uba74 \ub41c\ub2e4.
\n\uc544\ubb34 \uc804\ubb38\uc801\uc778 \uc9c0\uc2dd\uc774 \ud544\uc694\uc5c6\ub2e4. \ucd5c\ucd08\uc758 \uc790\uc0b0 \ubc30\ubd84 \uacc4\ud68d\uc5d0 \ub530\ub974\uae30\ub9cc \ud558\uba74 \ub418\uace0 \ubcf5\uc7a1\ud55c \uc0c1\ud488 \uc120\ud0dd\uc774\ub098 \uc885\ubaa9\ubc1c\uad74\uc774 \ud544\uc694\uc5c6\ub2e4. \uc774 \uacc4\ud68d\uc73c\ub85c \uc5d1\uc140\uc744 \ud1b5\ud574 5\ub144 \ud6c4 , 10\ub144 \ud6c4\uc758 \uc218\uc775\uae08\uc744 \uacc4\uc0b0\ud574 \ubcf8\ub2e4. (\ub9e4\ub144 \ud22c\uc790\uae08\uc774 \uc5bc\ub9c8\uace0 1\ub144 \ud6c4 \uc218\uc775\uae08\uc774 \uc5bc\ub9c8\uace0 2\ub144\uc9f8\uc5d0\ub294 \ud22c\uc790\uae08\uc774 \uc5bc\ub9c8\uace0 \ub610 \uc218\uc775\uae08\uc774 \uc5bc\ub9c8\uc778\uc9c0 \ub4f1\ub4f1..)<\/p>\n

\ub450\ubc88\uc9f8, \ubd80\ucc44\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uc790.<\/strong><\/p>\n

\ub9cc\uc57d \ub9e4\ub2ec \uc6d4\uae09\uc744 \ubc1b\uac70\ub098 \uc9c0\uc18d\uc801\uc73c\ub85c \uc218\uc785\uc774 \uc788\uace0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\ub2e4\uba74 (\uc778\ud130\ub137\uc740\ud589\uc758 \ub300\ucd9c\uc744 \uc801\uadf9 \uac80\uc0c9\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc774\ub2e4) \uc55e\uc5d0\uc11c \uc791\uc131\ud55c \ud328\uc2dc\ube0c \ud22c\uc790 \uacc4\ud68d \uc606\uc5d0 \ub098\ub780\ud788 \ub300\ucd9c \uacc4\ud68d\uc744 \uc801\uc5b4\ubcf4\uc790. \ub9e4\ub144 \uc5f0\ucd08 \ub610\ub294 \uc5f0 \uc911\uc5d0 2\ucc9c\ub9cc\uc6d0\uc744 \uc2e0\uc6a9\ub300\ucd9c\ub85c \ube4c\ub824 \uc5f05%\uc758 \ub300\ucd9c \uc774\uc790\ub97c \ub0b4\uc57c \ud55c\ub2e4\uba74, \uc774 \ub3c8\uc744 \ube4c\ub824 \uc8fc\uc2dd \ud22c\uc790\ub97c \ud558\ub294 \uacbd\uc6b0 2\ucc9c\ub9cc\uc6d0\uc758 1.4% ( \uc8fc\uc2dd \uae30\ub300\uc218\uc775\ub960 6.4% – \ub300\ucd9c\uc774\uc790 5% = 1.4% )\uc758 \ucd94\uac00\uc801\uc778 \uc218\uc775\uae08\uc774 \uc0dd\uae38 \uc218 \uc788\ub2e4. \ub2e8, \uc8fc\uc2dd\uc774 \ub298 6.4%\uc758 \uc218\uc775\uc744 \uc8fc\ub294 \uac83\uc774 \uc544\ub2c8\ubbc0\ub85c \ub300\ucd9c\uae08\uc774 \uc790\uc2e0\uc758 \ud22c\uc790\uae08\ubcf4\ub2e4 \ud070 \uacbd\uc6b0 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud560 \ud655\ub960(Short fall)\uc774 \ucee4\uc9c0\ubbc0\ub85c \ub300\ucd9c \uaddc\ubaa8\ub97c \uc801\uc808\ud55c \uc120\uc73c\ub85c \uc720\uc9c0\ud574\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc8fc\uac00\uac00 \ub2f9\ubd84\uac04 \ub9ce\uc774 \uc624\ub978\ub2e4\uace0 \uc0dd\uac01\ub420 \uacbd\uc6b0 \ub3c8\uc744 \uc655\ucc3d \ube4c\ub824\uc11c \uc778\ub371\uc2a4 \ud380\ub4dc \ub610\ub294 \ube0c\ub77c\uc9c8 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud588\ub294\ub370 \ub2e8 \ub450\ub2ec\ub9cc\uc5d0 \ub300\ucd9c\ubc1b\uc544 \ud22c\uc790\ud55c \ud380\ub4dc\uac00 \ubc18\ud1a0\ub9c9\uc774 \ub09c\ub2e4\uace0 \uc0c1\uc0c1\ud574 \ubcf4\ub77c. \uadf8\ub0e5 \ud600\uae68\ubb3c\uace0 \uc2f6\uc5b4\uc9c8 \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub2c8 \uc801\uc808\ud55c \uc120\uc744 \ub118\uc9c0 \ub9d0\uc544\uc57c \ud558\uba70 \ud328\uc2dc\ube0c \ud22c\uc790\uc5d0 \uc9d1\uc911\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\uc138\ubc88\uc9f8, \ucd94\uac00\uc801\uc778 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uc790.<\/strong><\/p>\n

AI\ub098 \ucd5c\uc2e0\uc758 \uc7ac\ubb34\uc774\ub860\uc73c\ub85c\ub3c4 \uc8fc\uac00\ub97c \uc608\uce21\ud558\uae30\ub294 \uc5b4\ub824\uc6b0\ubbc0\ub85c \ud328\uc2dc\ube0c \ud22c\uc790\uc5d0 \uc9d1\uc911\ud558\ub294 \uac83\uc774 \uc815\ub2f5\uc774\uc9c0\ub9cc \ub204\uad6c\ub098 \uc0dd\uac01\ud574\ub3c4 \ud655\uc2e4\ud55c \uae30\ud68c ( \uc815\ub9d0 \uc815\ubd80 \uc815\ucc45\uc5d0 \uc758\ud55c \uc2fc \uc774\uc790\uc758 \ub300\ucd9c\uc774\ub098 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \uc758\ud55c \uc7a5\uae30 \uc800\ub9ac\uc758 \uc774\uc790, \ud070 \uc545\uc7ac\ub97c \ub9cc\ub098 \uc8fc\uac00\uac00 \ub2f9\ubd84\uac04 \ud558\ub77d\ud560 \uac83\uc774 \uc790\uba85\ud55c \uc77c\uc778 \uacbd\uc6b0\uc758 \uc190\uc808\ub9e4 )\uc5d0\uc11c\ub294 \uacfc\uac10\ud558\uac8c \ud589\ub3d9\ud574\uc57c \ud55c\ub2e4. \uc778\uc0dd\uc5d0 \uc138\ubc88\uc758 \uae30\ud68c\uac00 \uc628\ub2e4\uace0 \ud558\uc9c0 \uc54a\uc558\ub294\uac00. \ubd80\uc9c0\ubd88\uc2dd\uac04\uc5d0 \ub450\ubc88\uc9f8 \uae30\ud68c\uac00 \ud6c4\ub2e4\ub2e5 \uc9c0\ub098\uac00 \ubc84\ub9b4 \uc218 \uc788\uc73c\ub2c8, \ud655\uc2e4\ud55c \uae30\ud68c\uac00 \uc654\uc744 \ub54c\ub294 \ud22c\uc790 \uacc4\ud68d\ubcf4\ub2e4 \uc870\uae08 \ub354 \uacfc\uac10\ud55c \ud22c\uc790\ub97c \ud574\uc11c \ucd94\uac00 \uc218\uc775\uc744 \uc62c\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \ub2e8 \uc8fc\uac00\uac00 \ucda9\ubd84\ud788 \uc62c\ub790\uaca0\uc9c0, \ub610\ub294 \uac00\uc7a5 \ubc11\ubc14\ub2e5\uae4c\uc9c0 \ube60\uc84c\uc744 \ub54c \uc0ac\uc57c\uc9c0 \ud558\ub294 \uc0dd\uac01\uc740 \ud569\ub9ac\uc131\uc774\ub77c\uae30\ubcf4\ub2e4\ub294 \uadfc\uac70\uc5c6\ub294 \uc790\uc2e0\uac10\uc5d0 \uac00\uae5d\ub2e4. \uc8fc\uac00\ub294 \uaf2d\ub300\uae30\uac00 \uc5b4\ub514\uc778\uc9c0 \uc544\ubb34\ub3c4 \ubaa8\ub974\uba70 \uc0c1\uc2b9\uae30\ubcf4\ub2e4\ub294 \ud558\ub77d\uae30\uc758 \ubcc0\ub3d9\uc131\uc774 \ud070 \ud3b8\uc774\ubbc0\ub85c \uacfc\uc5f0 \ubc11\ubc14\ub2e5\uc774 \uc5bc\ub9c8\uc778\uc9c0\ub294 \uc544\ubb34\ub3c4 \ud655\uc2e0\ud560 \uc218 \uc5c6\ub2e4. \ud070 \uc545\uc7ac\ub97c \ub9cc\ub098 \uc8fc\uac00\uac00 \ud3ed\ub77d\ud558\uc5ec \uacf5\ud3ec\uae30\uac00 \ub3c4\ub798\ud588\uc744 \ub54c\uc5d0\ub294 \ucd94\uac00 \ud22c\uc790\ub97c \ud558\ub294 \uac83\uc774 \uc5ed\uc124\uc801\uc774\uc9c0\ub9cc \ucd94\uac00 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc774\ub2e4 (\ud754\ud788 \ub9d0\ud558\ub294 \ubb3c\ud0c0\uae30\ucc98\ub7fc \ubcf4\uc774\uc9c0\ub9cc \uc18c\uadf9\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1 \ubc29\ubc95 \uc911 \ud558\ub098\ub2e4).<\/p>\n

\ub124\ubc88\uc9f8, \uc7a5\uae30 \uacc4\ud68d\uc744 \uc138\uc6b0\uc790.<\/strong><\/p>\n

\uc790\uc0b0 \ubc30\ubd84\uc740 1\uc8fc\uc77c \ub610\ub294 3\uac1c\uc6d4\uc9dc\ub9ac \uacc4\ud68d\uc744 \ub9d0\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub2e4. \ucd5c\uc18c 3\ub144\uc5d0\uc11c 5\ub144 \uae38\uac8c\ub294 10\ub144 \uc815\ub3c4\uc758 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0 \ud328\uc2dc\ube0c \ud22c\uc790\ub97c \ud574\uc57c \ud55c\ub2e4. \uadf8\ub7ec\ub098, \ubb34\uc791\uc815 \uc7a5\uae30\ud22c\uc790\ub97c \ud558\ub294 \uac83\uc740 \ud604\uc2e4\uc801\uc73c\ub85c \uc5b4\ub824\uc6b4 \uc77c\uc774\ub2e4. \ud22c\uc790 \ud658\uacbd\ub3c4 \ubc14\ub00c\uace0 \uc778\ud50c\ub808\uc774\uc158\uc5d0 \ub530\ub978 \uacbd\uc81c \ud658\uacbd\uc758 \ubcc0\ud654, \uc9c1\uc7a5\uc744 \uc62e\uae30\uac70\ub098 \uc774\uc0ac, \uc740\ud1f4\ub97c \ud558\uac70\ub098, \uc774\ubbfc\uc744 \uac00\uac70\ub098, \uacb0\ud63c\uc744 \ud558\uac70\ub098, \uc0ac\uc5c5\uc744 \ud558\ub294 \uacbd\uc6b0 \uc7ac\uc0b0\uc0c1\uc758 \ubcc0\ub3d9\uc774 \ubc1c\uc0dd\ud558\ubbc0\ub85c \uc911\uac04\uc5d0 \uae30\uc874 \uacc4\ud68d\uc744 \uc870\uae08\uc529 \ubcc0\uacbd \ud574 \ub098\uac00\uc57c \ud55c\ub2e4. \uc0c8\ub85c\uc6b4 \uc0c1\ud488\uc774 \ub098\ud0c0\ub0a0 \uc218\ub3c4 \uc788\uace0 \uc815\uae30\uc608\uae08\uc774 1%\ub300\uc758 \uc800\uc870\ud55c \uc218\uc775\ub960\ub85c \ud22c\uc790 \uac00\uce58\uac00 \uc5c6\uc5b4\uc9c8 \uc218\ub3c4 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.
\n\uc804\uc5c5 \ud22c\uc790\uc790\uac00 \uc544\ub2c8\ub77c\uba74 3\ub144 \ub610\ub294 5\ub144 \ub9c8\ub2e4 \uc0c8\ub85c\uc6b4 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc88b\ub2e4.<\/p>\n

\uc774\uc81c \uc790\uc0b0 \ubc30\ubd84\uc73c\ub85c \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6e0\ub2e4\uba74 \uac01 \uc0c1\ud488\ubcc4\ub85c \ud558\ub098\uc529 \uc9da\uc5b4\ubcf4\uba74\uc11c \uc5b4\ub5a4 \uc0c1\ud488\uc5d0 \uc5b4\ub5bb\uac8c \ud22c\uc790\ud574\uc57c \ud560 \uc9c0 \uc0b4\ud3b4\ubcf4\uaca0\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc7ac\ud14c\ud06c \uc598\uae30\ub97c \uc11c\ub450\uc5d0 \uaebc\ub0b4\uace0 \uc790\uc0b0\ubc30\ubd84 \uc598\uae30\ud558\uba74 “\uc774\ub7f0 \uc329\ub6b1\ub9de\uc740…”\ud558\ub294 \uc0dd\uac01\uc774 \ub4e4\uac70\ub2e4. \ud2b9\ud788, \ub300\ud559\uc5d0\uc11c \uc7ac\ubb34\uad00\ub828 \uacf5\ubd80 \uc880 \ud588\ub2e4\uace0 \ud558\ub294 \ubd84\ub4e4\uc740 \uc790\uc0b0\ubc30\ubd84\ud558\uba74 “\uadf8\uae4c\uc774\uaebc \uadf8\uac8c \ubb54\ub370? \ucc45\uc5d0 \ub098\uc624\ub294 \uadf8\ub7f0 \uace0\ub9ac\ud0c0\ubd84\ud55c \uac78\ub85c \ubb34\uc2a8 \uc7ac\ud14c\ud06c?” \ud560\uac70\ub2e4. \ud558\uc9c0\ub9cc \uc6b0\ub9ac\ub098\ub77c \ub300\ud615 \uc5f0\uae08, \uae30\uae08, \uc790\uc798\ud55c(3000\uc5b5~1\uc870 \uc815\ub3c4 \uaddc\ubaa8\uc758 ) \uc911\ud615 \uc815\ubd80 \uae30\uae08 \uc774\ub098 \uc911\ub300\ud615 \uacf5\uc81c\ud68c\ub4e4 \uc911 \uc5b4\ub290 \ud55c \uacf3 \uc790\uc0b0\ubc30\ubd84\uc744 \ud558\uc9c0 \uc54a\ub294 \uacf3\uc740 \uc5c6\ub2e4. \ubb3c\ub860 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-471","post","type-post","status-publish","format-standard","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=471"}],"version-history":[{"count":4,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/471\/revisions"}],"predecessor-version":[{"id":475,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/471\/revisions\/475"}],"wp:attachment":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}