IRP(Individual Retirement Pension)\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c, \uadfc\ub85c\uc790\uc640 \uc790\uc601\uc5c5\uc790 \ubaa8\ub450 \ub178\ud6c4 \ub300\ube44\ub97c \uc704\ud574 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. IRP\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 IRP \uacc4\uc88c\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc6b4\uc6a9\ub418\ub294 \ub9cc\ud07c \uc218\uc218\ub8cc\uac00 \uc218\uc775\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0 \uae08\uc735\uae30\uad00\uc758 \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \uc8fc\uc694 \uae08\uc735\uae30\uad00\uc758 IRP \uc218\uc218\ub8cc\ub97c \ube44\uad50\ud558\uace0, \uc800\ube44\uc6a9 ETF\ub97c \ud65c\uc6a9\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc81c\uc548\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n
https:\/\/www.thefreedictionary.com\/IRP \uc218\uc218\ub8cc \ube44\uad50<\/a><\/p>\n\n\n\n IRP \uacc4\uc88c\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790\ub97c \uc704\ud55c \uc911\uc694\ud55c \uae08\uc735 \uc0c1\ud488\uc73c\ub85c, \uc218\uc218\ub8cc\uc758 \uad00\ub9ac\uac00 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc218\uc218\ub8cc\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub204\uc801\ub418\uc5b4 \uc218\uc775\ub960\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\ub294 \uc774\ub97c \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. IRP\uc758 \uc218\uc218\ub8cc\ub294 \ud06c\uac8c \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc640 \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc\ub85c \ub098\ub269\ub2c8\ub2e4. \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uacc4\uc88c\ub97c \uc720\uc9c0\ud558\uace0 \uad00\ub9ac\ud558\ub294 \ub370 \ubd80\uacfc\ub418\ub294 \uae30\ubcf8 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uacc4\uc88c\uc758 \uc794\uc561\uc5d0 \ube44\ub840\ud558\uc5ec \uc77c\uc815 \ube44\uc728\ub85c \ubd80\uacfc\ub418\uba70, \uc77c\ubc18\uc801\uc73c\ub85c \uc5f0 0.2%\uc5d0\uc11c 0.4% \uc218\uc900\uc785\ub2c8\ub2e4. \ub9e4\uc6d4 \uacc4\uc0b0\ub418\uc5b4 \uccad\uad6c\ub418\uae30 \ub54c\ubb38\uc5d0, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uba74 \uc774 \uc218\uc218\ub8cc\uac00 \ub204\uc801\ub418\uc5b4 \uc0c1\ub2f9\ud55c \uae08\uc561\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c \uc774 \uc218\uc218\ub8cc\uac00 \uc5bc\ub9c8\ub098 \ub418\ub294\uc9c0\ub97c \ubbf8\ub9ac \ud655\uc778\ud558\uace0, \uac00\ub2a5\ud55c \ud55c \ub0ae\uc740 \uc218\uc218\ub8cc\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc\ub294 IRP \uacc4\uc88c \ub0b4\uc5d0\uc11c \ud380\ub4dc, \uc8fc\uc2dd, ETF \ub4f1\uc758 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \ub54c \ucd94\uac00\ub85c \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9\uc785\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uc790\uc0b0\uc758 \uc885\ub958\uc640 \uae08\uc735\uae30\uad00\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uba70, \uc77c\ubc18\uc801\uc73c\ub85c \ud380\ub4dc\uc758 \uacbd\uc6b0 0.5%\uc5d0\uc11c 2.0%\uae4c\uc9c0 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \ud22c\uc790 \uc0c1\ud488\uc758 \uc6b4\uc6a9 \ubc29\uc2dd\uc774\ub098 \uc131\uacfc\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ubbc0\ub85c, \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \ub54c \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uba74\ubc00\ud788 \ubd84\uc11d\ud574\uc57c \ud569\ub2c8\ub2e4.IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc\ub294 \uc7a5\uae30 \ud22c\uc790\uc5d0 \uc788\uc5b4\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc640 \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \ubaa8\ub450 \uace0\ub824\ud558\uc5ec \ucd1d\ube44\uc6a9\uc744 \uacc4\uc0b0\ud558\uace0, \uc774\ub97c \ud1b5\ud574 \uc2e4\uc81c \uc218\uc775\ub960\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \uace0\uac1d\uc740 \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \uae08\uc735\uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uace0, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3c4\ubaa8\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \uc8fc\uc694 \uae08\uc735\uae30\uad00\ubcc4 IRP \uc218\uc218\ub8cc \ube44\uad50\ub294 \uace0\uac1d\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc911\uc694\ud55c \uc120\ud0dd \uae30\uc900\uc774 \ub429\ub2c8\ub2e4. \uc740\ud589\uad8c\uc758 IRP\ub294 \uc8fc\ub85c \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc6b4\uc6a9\uc744 \uc120\ud638\ud558\ub294 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ubbfc\uc740\ud589\uacfc \uc2e0\ud55c\uc740\ud589\uc740 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uac00 0.25%\uc5d0\uc11c 0.4% \uc218\uc900\uc73c\ub85c \uc124\uc815\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4 \uc740\ud589\uc740 \uc790\ub3d9\uc774\uccb4 \uc124\uc815 \uc2dc \uc218\uc218\ub8cc\ub97c \ud560\uc778\ud574\uc8fc\uac70\ub098, \uc77c\uc815 \uc794\uc561 \uc774\uc0c1\uc744 \uc720\uc9c0\ud560 \uacbd\uc6b0 \uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uc5ec \uace0\uac1d\uc758 \ubd80\ub2f4\uc744 \uc904\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\ub9ac\uc740\ud589\uacfc \ud558\ub098\uc740\ud589 \ub610\ud55c \uace0\uae08\ub9ac \uc608\uae08 \uc0c1\ud488\uacfc \uc5f0\uacc4\ub41c IRP \uacc4\uc88c\ub97c \uc6b4\uc601\ud558\uba70, \uc774\ubca4\ud2b8\ub97c \ud1b5\ud574 \uac00\uc785 \uc2dc \ucd94\uac00 \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uace0\uac1d\uc774 IRP \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\ub294 \ub370 \uc788\uc5b4 \uae0d\uc815\uc801\uc778 \uc694\uc18c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \ubc18\uba74, \uc99d\uad8c\uc0ac\uc758 IRP \uacc4\uc88c\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc790\uc0b0\uc744 \uc6b4\uc6a9\ud558\uace0\uc790 \ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c, NH\ud22c\uc790\uc99d\uad8c \ub4f1\uc740 \uc8fc\uc2dd\uacfc ETF\ub97c \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 IRP \uacc4\uc88c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub4e4 \uc99d\uad8c\uc0ac\ub294 \ube44\uad50\uc801 \uc800\ub834\ud55c \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\uc5ec \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc870\uac74\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \ud2b9\ud788 \ud0a4\uc6c0\uc99d\uad8c\uc740 0.1% \uc218\uc900\uc758 \ub0ae\uc740 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc5b4 \uc628\ub77c\uc778 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uc99d\uad8c\uc0ac\ub294 ETF \ub9e4\ub9e4 \uc2dc \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574\uc8fc\ub294 \ud61c\ud0dd\ub3c4 \uc81c\uacf5\ud558\uace0 \uc788\uc5b4, \uc800\ube44\uc6a9 \uace0\ud6a8\uc728\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc120\ud638\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\uc5d0\uc11c\ub294 \uc5f0\uae08\uacfc \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uc5f0\uacc4\ud55c IRP \uacc4\uc88c\ub97c \uc6b4\uc601\ud569\ub2c8\ub2e4. \uc0bc\uc131\uc0dd\uba85, \ud55c\ud654\uc0dd\uba85, \uad50\ubcf4\uc0dd\uba85 \ub4f1\uc740 \uc5f0\uae08 \ubcf4\ud5d8\uacfc \uc5f0\uacc4\ud55c IRP \uc0c1\ud488\uc744 \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uc5f0\uae08 \uc9c0\uae09\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub4e4 \ubcf4\ud5d8\uc0ac\ub294 \uc7a5\uae30 \uc720\uc9c0 \uc2dc \uc218\uc218\ub8cc \uc778\ud558\ub098 \ubcf4\ub108\uc2a4 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud558\uc5ec, IRP \uc218\uc218\ub8cc \ube44\uad50<\/a> \uace0\uac1d\uc758 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc9c0\uc6d0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0, \ud0c0 \uae08\uc735\uae30\uad00\uc5d0 \ube44\ud574 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uac00 \ub2e4\uc18c \ub192\uac8c \ucc45\uc815\ub418\ub294 \uacbd\ud5a5\uc774 \uc788\uc5b4, \uace0\uac1d\uc740 \uc774\ub97c \uc798 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n IRP \uacc4\uc88c\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810 \uc911 \ud558\ub098\ub294 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc800\ube44\uc6a9 ETF(Exchange-Traded Fund)\ub97c \ud65c\uc6a9\ud558\uba74 \uc218\uc218\ub8cc \ubd80\ub2f4\uc744 \uc904\uc774\uba74\uc11c\ub3c4 \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\uc6b0 \uc720\ub9ac\ud569\ub2c8\ub2e4. ETF\ub294 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \uc0c1\uc7a5\ub41c \uc9c0\uc218 \ucd94\uc885\ud615 \ud380\ub4dc\ub85c, \ud2b9\uc815 \uc9c0\uc218\ub098 \uc790\uc0b0\uad70\uc758 \uc131\uacfc\ub97c \ucd94\uc885\ud558\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, KODEX 200\uacfc \uac19\uc740 \uad6d\ub0b4 ETF\ub294 \ucf54\uc2a4\ud53c200 \uc9c0\uc218\ub97c \ub530\ub77c\uac00\uba70, \uc774\ub294 \ud55c\uad6d\uc758 \ub300\ud45c\uc801\uc778 \ub300\ud615\uc8fc 200\uc885\ubaa9\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc5b4, \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ub610\ud55c, \ubbf8\uad6d \uc2dc\uc7a5\uc5d0 \ud22c\uc790\ud558\uace0 \uc2f6\ub2e4\uba74 TIGER S&P500 ETF\uc640 \uac19\uc740 \uae00\ub85c\ubc8c ETF\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c ETF\ub294 \ubbf8\uad6d\uc758 S&P 500 \uc9c0\uc218\ub97c \ucd94\uc885\ud558\uba70, \ubbf8\uad6d\uc758 \uc8fc\uc694 \uae30\uc5c5\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc800\ube44\uc6a9 ETF\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810 \uc911 \ud558\ub098\ub294 \uc218\uc218\ub8cc\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc778 \ud380\ub4dc\uc5d0 \ube44\ud574 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uac00 \ub0ae\uc544, \uc7a5\uae30 \ud22c\uc790 \uc2dc \ub204\uc801\ub418\ub294 \ube44\uc6a9\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud22c\uc790\uc790\uc758 \uc2e4\uc81c \uc218\uc775\ub960\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \ub610\ud55c, ETF\ub294 \uc8fc\uc2dd\ucc98\ub7fc \uac70\ub798\uc18c\uc5d0\uc11c \uc2e4\uc2dc\uac04\uc73c\ub85c \ub9e4\ub9e4\uac00 \uac00\ub2a5\ud558\uae30 \ub54c\ubb38\uc5d0 \uc720\ub3d9\uc131\uc774 \ud655\ubcf4\ub418\uc5b4 \uc788\uc5b4, \ud544\uc694\ud560 \ub54c \uc190\uc27d\uac8c \ub9e4\ub3c4\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\ub3d9\uc131\uc740 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uc7a5\uc5d0\uc11c \ud22c\uc790\uc790\uc758 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc800\ube44\uc6a9 ETF\ub97c \ud65c\uc6a9\ud55c IRP \ud22c\uc790 \uc804\ub7b5\uc740 \ub610\ud55c \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ud2b9\uc815 \uc790\uc0b0\uc758 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ud558\ub77d\uae30\uc5d0 \ucc44\uad8c ETF\uc5d0 \ud22c\uc790\ud558\uac70\ub098, \ub2e4\uc591\ud55c \uc9c0\uc5ed\uc758 ETF\ub97c \uc870\ud569\ud558\uc5ec \uae00\ub85c\ubc8c \ubd84\uc0b0 \ud22c\uc790\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc29\uc2dd\uc740 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\uba74\uc11c\ub3c4 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub294 \ub370 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n IRP \uacc4\uc88c\ub97c \ud65c\uc6a9\ud55c ETF \ud22c\uc790\ub294 \ud22c\uc790\uc790\uc758 \ubaa9\ud45c\uc640 \uc131\ud5a5\uc5d0 \ub9de\ucdb0 \ub2e4\uc591\ud558\uac8c \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \ub9ac\uc2a4\ud06c \uc218\uc6a9 \ub2a5\ub825\uacfc \uc218\uc775 \ubaa9\ud45c\uc5d0 \ub530\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc124\uacc4\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uc6d0\ud558\ub294 \ud22c\uc790\uc790\ub294 \ucc44\uad8c ETF\uc640 \uc8fc\uc2dd ETF\ub97c \ud63c\ud569\ud55c \uc548\uc815\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, KODEX 200 ETF\uc5d0 40%\ub97c \ud22c\uc790\ud558\uace0, KBSTAR \ub2e8\uae30\ucc44\uad8c ETF\uc5d0 60%\ub97c \ubc30\ubd84\ud558\uba74 \uc548\uc815\uc801\uc774\uba74\uc11c\ub3c4 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc644\uc131\ub429\ub2c8\ub2e4. KODEX 200 ETF\ub294 \ud55c\uad6d\uc758 \ub300\ud45c\uc801\uc778 \ub300\ud615\uc8fc 200\uc885\ubaa9\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc5b4, \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \uc548\uc815\uc801\uc778 \uc131\uc7a5\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \ubc18\uba74, KBSTAR \ub2e8\uae30\ucc44\uad8c ETF\ub294 \ub2e8\uae30 \ucc44\uad8c\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc5b4 \uae08\ub9ac \ubcc0\ub3d9\uc5d0 \ub300\ud55c \ub9ac\uc2a4\ud06c\ub97c \uc904\uc5ec\uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc870\ud569\uc740 \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub300\ud55c \ubc29\uc5b4\ub825\uc744 \ub192\uc5ec\uc8fc\uba70, \uc548\uc815\uc801\uc778 \uc218\uc775\uc6d0\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub354\uc6b1 \uc801\uadf9\uc801\uc778 \uc218\uc775\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ud22c\uc790\uc790\ub294 \uc8fc\uc2dd\uacfc \uc6d0\uc790\uc7ac\uc5d0 \uc9d1\uc911\ud558\ub294 \uace0\uc704\ud5d8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0, KODEX 200 ETF\uc640 TIGER \uc6d0\uc720\uc120\ubb3c ETF\ub97c \ud3ec\ud568\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. KODEX 200 ETF\ub294 \uc548\uc815\uc801\uc778 \uad6d\ub0b4 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\uba74\uc11c, TIGER \uc6d0\uc720\uc120\ubb3c ETF\ub294 \uc6d0\uc790\uc7ac \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc218\uc775\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4. \ub610\ud55c, \ub098\uc2a4\ub2e5 100 \uc9c0\uc218\ub97c \ucd94\uc885\ud558\ub294 ETF\uc5d0 \ud22c\uc790\ud558\uba74 \ubbf8\uad6d\uc758 \uae30\uc220\uc8fc \uc911\uc2ec\uc758 \uace0\uc131\uc7a5 \uae30\uc5c5\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \uc870\ud569\uc740 \uace0\uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub9cc\ub4e4\uc5b4 \uc8fc\uba70, \uc2dc\uc7a5\uc758 \uc0c1\uc2b9\uae30\uc5d0 \ud070 \uc131\uacfc\ub97c \ub0bc \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub610\ud55c, \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \ub54c\ub294 \uc790\uc0b0\uc758 \ube44\uc728\uc744 \uc870\uc815\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \ucee4\uc9c8 \ub54c\ub294 \ucc44\uad8c ETF\uc758 \ube44\uc728\uc744 \ub298\ub9ac\uace0, \uc8fc\uc2dd ETF\uc758 \ube44\uc728\uc744 \uc904\uc5ec \uc548\uc815\uc131\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c, \uc2dc\uc7a5\uc774 \uc548\uc815\uc801\uc774\uace0 \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ud310\ub2e8\ub420 \ub54c\ub294 \uc8fc\uc2dd ETF\uc758 \ube44\uc728\uc744 \uc99d\uac00\uc2dc\ucf1c \uc218\uc775\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\uc5f0\ud55c \ub300\uc751\uc740 \ud22c\uc790\uc790\uc758 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc\ub97c \uc904\uc774\uace0 \ud22c\uc790 \ud6a8\uc728\uc131\uc744 \uadf9\ub300\ud654\ud558\uae30 \uc704\ud574 \uc5ec\ub7ec \uac00\uc9c0 \uc804\ub7b5\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uc628\ub77c\uc778\uc73c\ub85c \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc624\ud504\ub77c\uc778 \uac1c\uc124\ubcf4\ub2e4 \uc628\ub77c\uc778 \uac1c\uc124 \uc2dc \uc218\uc218\ub8cc\ub97c \uc800\ub834\ud558\uac8c \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0, \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74 \ucd08\uae30 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub458\uc9f8, \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\ub294 \uac83\ub3c4 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\uba74 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \ud560\uc778\ud558\uac70\ub098 \uba74\uc81c\ud574\uc8fc\ub294 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc815\uae30\uc801\uc73c\ub85c \uc77c\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc73c\ub85c \uc774\uccb4\ud568\uc73c\ub85c\uc368 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc2b5\uad00\uc744 \uae30\ub97c \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc218\uc218\ub8cc \ubd80\ub2f4\ub3c4 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc9c4\ud589\ud558\ub294 \uc774\ubca4\ud2b8\ub098 \ub9ac\uc6cc\ub4dc \ud504\ub85c\uadf8\ub7a8\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uac01 \uae08\uc735\uae30\uad00\uc740 \ud2b9\uc815 \uae30\uac04 \ub3d9\uc548 \uac00\uc785 \uc2dc \ucd94\uac00 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc774\ubca4\ud2b8\ub97c \uc790\uc8fc \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\uace0 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uba74, \uc218\uc218\ub8cc \uc808\uac10\ubfd0\ub9cc \uc544\ub2c8\ub77c \ucd94\uac00\uc801\uc778 \ub9ac\uc6cc\ub4dc\ub97c \ud1b5\ud574 \ud22c\uc790 \uc131\uacfc\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. IRP \uacc4\uc88c\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc6b4\uc6a9\ud574\uc57c \ud558\ub294 \uc0c1\ud488\uc774\ubbc0\ub85c, \uc790\uc0b0 \ubc30\ubd84\uacfc \uc720\uc9c0 \uc804\ub7b5 \ub610\ud55c \uc911\uc694\ud569\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, ETF\ub97c \uc870\ud654\ub86d\uac8c \uc6b4\uc6a9\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ubd88\uc548\uc815\ud55c \uc2dc\uae30\uc5d0\ub294 \ucc44\uad8c \ube44\uc728\uc744 \ub192\uc5ec \uc548\uc815\uc131\uc744 \uac15\ud654\ud558\uace0, \uc2dc\uc7a5\uc774 \uc0c1\uc2b9\uc138\uc77c \ub54c\ub294 \uc8fc\uc2dd \ube44\uc728\uc744 \ub298\ub824 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\uc5f0\ud55c \uc790\uc0b0 \ubc30\ubd84\uc740 \ud22c\uc790\uc790\uc758 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub610\ud55c, \uc7a5\uae30 \uc720\uc9c0 \uc2dc \ubcf4\ub108\uc2a4 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uacc4\uc88c\ub97c \uc720\uc9c0\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \ubcf4\ub108\uc2a4\ub97c \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0, \uc774\ub7ec\ud55c \uc870\uac74\uc744 \uace0\ub824\ud558\uc5ec \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6b0\uba74 \ub354\uc6b1 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0, \uadf8\uc5d0 \ub9de\ub294 \uc801\uc808\ud55c \uc790\uc0b0 \ubc30\ubd84\uacfc \uc6b4\uc6a9 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uba74, IRP \uacc4\uc88c\ub97c \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \ud615\uc131\uc744 \ub3c4\ubaa8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n IRP \uacc4\uc88c\ub294 \ub178\ud6c4 \uc790\uae08\uc744 \ub9c8\ub828\ud558\uba74\uc11c \uc138\uc81c \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\ub294 \uac15\ub825\ud55c \uae08\uc735 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc218\uc218\ub8cc\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc218\uc775\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0 \uae08\uc735\uae30\uad00\ubcc4 \uc218\uc218\ub8cc\uc640 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50\ud55c \ub4a4 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub97c \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.\ub610\ud55c, \uc800\ube44\uc6a9 ETF\ub97c \ud65c\uc6a9\ud55c \ud22c\uc790 \uc804\ub7b5\uc740 IRP \uacc4\uc88c\uc758 \uc218\uc775\uc131\uc744 \ub192\uc774\ub294 \ub370 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc8fc\uc2dd\uacfc \ucc44\uad8c, \uc6d0\uc790\uc7ac \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc7a5\uae30\uc801\uc778 \uc131\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc \uc808\uac10 \uc804\ub7b5\uacfc \ud6a8\uc728\uc801\uc778 \uc6b4\uc6a9\uc744 \ud1b5\ud574 \uc548\uc815\uc801\uc778 \ub178\ud6c4 \uc790\uae08\uc744 \ub9c8\ub828\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":" IRP(Individual Retirement Pension)\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c, \uadfc\ub85c\uc790\uc640 \uc790\uc601\uc5c5\uc790 \ubaa8\ub450 \ub178\ud6c4 \ub300\ube44\ub97c \uc704\ud574 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. IRP\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 IRP \uacc4\uc88c\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc6b4\uc6a9\ub418\ub294 \ub9cc\ud07c \uc218\uc218\ub8cc\uac00 \uc218\uc775\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0 \uae08\uc735\uae30\uad00\uc758 \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \uc8fc\uc694 \uae08\uc735\uae30\uad00\uc758 IRP […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-57","post","type-post","status-publish","format-standard","hentry","category-8"],"_links":{"self":[{"href":"https:\/\/richhong.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/57","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/richhong.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/richhong.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/richhong.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/richhong.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=57"}],"version-history":[{"count":1,"href":"https:\/\/richhong.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/57\/revisions"}],"predecessor-version":[{"id":58,"href":"https:\/\/richhong.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/57\/revisions\/58"}],"wp:attachment":[{"href":"https:\/\/richhong.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=57"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/richhong.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=57"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/richhong.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=57"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}