{"id":158,"date":"2019-02-06T23:12:07","date_gmt":"2019-02-06T14:12:07","guid":{"rendered":"http:\/\/xcenio.com\/?p=158"},"modified":"2020-09-12T00:07:40","modified_gmt":"2020-09-11T15:07:40","slug":"%ec%a0%88%ec%84%b8%eb%aa%a9%ec%a0%81-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-%ea%b4%80%eb%a0%a8","status":"publish","type":"post","link":"https:\/\/xcenio.com\/?p=158","title":{"rendered":"\uc808\uc138\ubaa9\uc801 \ud1f4\uc9c1\uc5f0\uae08 \uad00\ub828"},"content":{"rendered":"<p>1. \uc5f0\uae08\uc0c1\ud488<\/p>\n<p>\uacf5\uc81c\ud55c\ub3c4(700\ub9cc\/\uc5f0) = \uc5f0\uae08\uc800\ucd95\ud380\ub4dc(300\ub9cc) + \ud1f4\uc9c1\uc5f0\uae08IRP(400\ub9cc)<br \/>\n(\uc885\ud569\uc18c\ub4dd\uae08\uc561 1\uc5b5\uc6d0 \uc774\uc0c1\uc77c \uacbd\uc6b0 \uc5f0\uae08\uc800\ucd95 \uacf5\uc81c\ud55c\ub3c4\uac00 300\ub9cc\uc6d0\uc784.)<\/p>\n<p>\uc885\ud569\uc18c\ub4dd\uae08\uc561 4000\ub9cc\uc6d0\uc744 \ucd08\uacfc\ud55c\ub2e4\uba74 700\ub9cc\uc6d0\uc5d0 \ub300\ud574 13.2% \uacf5\uc81c\uc728\uc774 \uc801\uc6a9\ub3fc 92\ub9cc4000\uc6d0\uc744 \uc138\uc561\uacf5\uc81c \ubc1b\uc744 \uc218 \uc788\ub2e4.<br \/>\n\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ubc0f \ud1f4\uc9c1\uc5f0\uae08IRP\ub294 \ud574\uc678ETF(\uad6d\ub0b4\uc0c1\uc7a5\ud574\uc678\uc9c0\uc218\ucd94\uc885ETF)\ub85c \ud22c\uc790.<\/p>\n<p>2. \uacc4\uc88c\ub0b4\uc5d0\uc11c\uc758 \ud22c\uc790 (\ud574\uc678ETF)<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\uc5d0\uc11c \ud574\uc678ETF \ud22c\uc790\uc2dc, \uc5f0\uae08\uc218\ub839\uc2dc\uae4c\uc9c0 \uc138\uae08 \uc774\uc5f0. \uc5f0\uae08\uc9c0\uae09\uc2dc 3~5%\uacfc\uc138\ud6c4 \uc9c0\uae09.<br \/>\nETF\ub9e4\ub3c4\uc2dc \ubc0f \ubc30\ub2f9\uc2dc \uc138\uae08 (15.4%)\uba74\uc81c. \uc911\ub3c4\ud574\uc9c0\uc2dc\ub294 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\ub85c \uacfc\uc138.<br \/>\nETF\uac70\ub798 \uc218\uc218\ub8cc(\uc790\uccb4\uc218\uc218\ub8cc)\ub294 \uc788\ub294\ub4ef \ud568.<\/p>\n<p>(\uc778\ubc84\uc2a4 \ubc0f \ub808\ubc84\ub9ac\uc9c0 ETF\ub294 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ud3b8\uc785\ub300\uc0c1\uc5d0\uc11c \uc81c\uc678, \ubbf8\uc218\uac70\ub798\uc640 \uc2e0\uc6a9\uc0ac\uc6a9\ub3c4 \uc81c\ud55c)<\/p>\n<p>IRP\ub294 \uc704\ud5d8\uc790\uc0b0\uc740 70%\ub97c \ub118\uc744 \uc218 \uc5c6\ub2e4\ub294 \uc81c\ud55c\uc774 \uc788\uc74c. ETF\uc5d0\ub294 70%\ub9cc \ud22c\uc790 \uac00\ub2a5.<br \/>\n\uacc4\uc88c\ub0b4\uc5d0\uc11c 30%\ub294 \uc758\ubb34\uc801\uc73c\ub85c \uc6d0\ub9ac\uae08 \ubcf4\uc7a5\ud615 \uc0c1\ud488 \ub610\ub294 \ucc44\uad8c\ud615 \ud380\ub4dc\uc5d0 \ub46c\uc57c \ud568.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95\uc740 \uc704\ud5d8\uc790\uc0b0 100% \uac00\ub2a5.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. \uc5f0\uae08\uc0c1\ud488 \uacf5\uc81c\ud55c\ub3c4(700\ub9cc\/\uc5f0) = \uc5f0\uae08\uc800\ucd95\ud380\ub4dc(300\ub9cc) + \ud1f4\uc9c1\uc5f0\uae08IRP(400\ub9cc) (\uc885\ud569\uc18c\ub4dd\uae08\uc561 1\uc5b5\uc6d0 \uc774\uc0c1\uc77c \uacbd\uc6b0 \uc5f0\uae08\uc800\ucd95 \uacf5\uc81c\ud55c\ub3c4\uac00 300\ub9cc\uc6d0\uc784.) \uc885\ud569\uc18c\ub4dd\uae08\uc561 4000\ub9cc\uc6d0\uc744 \ucd08\uacfc\ud55c\ub2e4\uba74 700\ub9cc\uc6d0\uc5d0 \ub300\ud574 13.2% \uacf5\uc81c\uc728\uc774 \uc801\uc6a9\ub3fc 92\ub9cc4000\uc6d0\uc744 \uc138\uc561\uacf5\uc81c \ubc1b\uc744 \uc218 \uc788\ub2e4. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ubc0f \ud1f4\uc9c1\uc5f0\uae08IRP\ub294 \ud574\uc678ETF(\uad6d\ub0b4\uc0c1\uc7a5\ud574\uc678\uc9c0\uc218\ucd94\uc885ETF)\ub85c \ud22c\uc790. 2. \uacc4\uc88c\ub0b4\uc5d0\uc11c\uc758 \ud22c\uc790 (\ud574\uc678ETF) \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\uc5d0\uc11c \ud574\uc678ETF \ud22c\uc790\uc2dc, \uc5f0\uae08\uc218\ub839\uc2dc\uae4c\uc9c0 \uc138\uae08 \uc774\uc5f0. \uc5f0\uae08\uc9c0\uae09\uc2dc 3~5%\uacfc\uc138\ud6c4 \uc9c0\uae09. ETF\ub9e4\ub3c4\uc2dc \ubc0f \ubc30\ub2f9\uc2dc \uc138\uae08 (15.4%)\uba74\uc81c. \uc911\ub3c4\ud574\uc9c0\uc2dc\ub294 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\ub85c \uacfc\uc138. &#8230; <a title=\"\uc808\uc138\ubaa9\uc801 \ud1f4\uc9c1\uc5f0\uae08 \uad00\ub828\" class=\"read-more\" href=\"https:\/\/xcenio.com\/?p=158\" aria-label=\"\uc808\uc138\ubaa9\uc801 \ud1f4\uc9c1\uc5f0\uae08 \uad00\ub828\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-158","post","type-post","status-publish","format-standard","hentry","category-7"],"_links":{"self":[{"href":"https:\/\/xcenio.com\/index.php?rest_route=\/wp\/v2\/posts\/158","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xcenio.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/xcenio.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/xcenio.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/xcenio.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=158"}],"version-history":[{"count":2,"href":"https:\/\/xcenio.com\/index.php?rest_route=\/wp\/v2\/posts\/158\/revisions"}],"predecessor-version":[{"id":164,"href":"https:\/\/xcenio.com\/index.php?rest_route=\/wp\/v2\/posts\/158\/revisions\/164"}],"wp:attachment":[{"href":"https:\/\/xcenio.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/xcenio.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/xcenio.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}