{"id":270,"date":"2025-11-10T18:55:32","date_gmt":"2025-11-10T09:55:32","guid":{"rendered":"https:\/\/joafinance.com\/?p=270"},"modified":"2026-04-07T16:19:17","modified_gmt":"2026-04-07T07:19:17","slug":"2025-%ec%97%b0%eb%b4%89%eb%b3%84-%ec%8b%a4%ec%88%98%eb%a0%b9%ec%95%a1%ed%91%9c-%ec%97%b0%eb%b4%89-4000%c2%b75000%eb%b6%80%ed%84%b0-%ea%b3%b5%eb%ac%b4%ec%9b%90%ea%b9%8c%ec%a7%80","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=270","title":{"rendered":"2025 \uc5f0\ubd09\ubcc4 \uc2e4\uc218\ub839\uc561\ud45c \u2013 \uc5f0\ubd09 4000\u00b75000\ubd80\ud130 \uacf5\ubb34\uc6d0\uae4c\uc9c0"},"content":{"rendered":"\n<p>\uc5f0\ubd09 \ud611\uc0c1\uc744 \uc55e\ub450\uace0 \uc788\ub2e4\uba74 \uc2e4\uc81c\ub85c \uc190\uc5d0 \uc950\ub294 \uae08\uc561\uc778 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561\uc774 \uad81\uae08\ud560 \uac83\uc785\ub2c8\ub2e4. \uacc4\uc57d\uc11c\uc5d0 \uc801\ud78c \uc5f0\ubd09\uacfc \ud1b5\uc7a5\uc5d0 \uc785\uae08\ub418\ub294 \uae08\uc561\uc740 \uc138\uae08\uacfc 4\ub300 \ubcf4\ud5d8 \uacf5\uc81c\ub85c \ucc28\uc774\uac00 \ud07d\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 2025\ub144 \uc77c\ubc18 \uc9c1\uc7a5\uc778\uacfc <a href=\"https:\/\/korean-stockmarket.com\/?p=597\" data-type=\"link\" data-id=\"https:\/\/korean-stockmarket.com\/?p=597\" target=\"_blank\" rel=\"noopener\">\uacf5\ubb34\uc6d0\uc758 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561<\/a>\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd5c\uc800\uc784\uae08\ubd80\ud130 \uace0\uc18c\ub4dd \uad6c\uac04, \uacf5\ubb34\uc6d0 \ubd09\uae09\uae4c\uc9c0 \uc790\uc138\ud558\uac8c \uc815\ub9ac\ud558\uc600\uc73c\ub2c8 \uc7ac\ud14c\ud06c\uc640 \uacbd\ub825 \uacc4\ud68d\uc5d0 \ud65c\uc6a9\ud558\uc2dc\uba74 \uc88b\uc744 \ub4ef \ud569\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"swell-block-postLink\">\t\t\t<div class=\"p-blogCard -external\" data-type=\"type3\" data-onclick=\"clickLink\">\n\t\t\t\t<div class=\"p-blogCard__inner\">\n\t\t\t\t\t<span class=\"p-blogCard__caption\">joafinance.com<\/span>\n\t\t\t\t\t<div class=\"p-blogCard__thumb c-postThumb\"><figure class=\"c-postThumb__figure\"><img decoding=\"async\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/joafinance.com-G-41.png\" alt=\"\" class=\"c-postThumb__img u-obf-cover\" width=\"320\" height=\"180\"><\/figure><\/div>\t\t\t\t\t<div class=\"p-blogCard__body\">\n\t\t\t\t\t\t<a class=\"p-blogCard__title\" href=\"https:\/\/joafinance.com\/?p=573\" target=\"_blank\" rel=\"noopener noreferrer\">\uad6c\uae00 \uc560\ub4dc\uc13c\uc2a4 \uc218\uc775 \ud604\uc2e4 \u2013 \uc0ac\uc6a9\ubc95\uacfc \uac00\uce58\uac00 \ubcc4\ub85c \uc5c6\ub294 \ucf58\ud150\uce20 \ud574\uacb0\ubc95 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">&#8220;\ube14\ub85c\uadf8\ub85c \uc6d4 300\ub9cc\uc6d0 \uc218\uc775 \uac00\ub2a5!&#8221; \uc774\ub7f0 \uad11\uace0\ub97c \ubcf8 \uc801 \uc788\uc73c\uc2e0\uac00\uc694? \uad6c\uae00 \uc560\ub4dc\uc13c\uc2a4\ub85c \uc27d\uac8c \ub3c8\uc744 \ubc8c \uc218 \uc788\ub2e4\ub294 \ub9d0\uc5d0 \ube14\ub85c\uadf8\ub97c \uc2dc\uc791\ud558\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub9c9\uc0c1 \uc2dc\uc791\ud574&#8230;<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">2025 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561 \uacc4\uc0b0<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"563\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-2.png\" alt=\"\" class=\"wp-image-272\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-2.png 1000w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-2-300x169.png 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-2-768x432.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4 \ucd9c\ucc98: <a href=\"https:\/\/www.jobplanet.co.kr\/contents\/news-7105\/2025%EB%85%84%20%EC%97%B0%EB%B4%89%20%EC%8B%A4%EC%88%98%EB%A0%B9%EC%95%A1%ED%91%9C%20%EC%B4%9D%EC%A0%95%EB%A6%AC%2C%20%EC%84%B8%ED%9B%84%20%EA%B8%89%EC%97%AC%20%EC%96%BC%EB%A7%88%3F\" target=\"_blank\" rel=\"noopener\">\uc7a1\ud50c\ub798\ub2db<\/a>)<\/p>\n\n\n\n<p>\uc2e4\uc218\ub839\uc561\uc740 \uc138\uc804 \uc5f0\ubd09\uc5d0\uc11c \uc18c\ub4dd\uc138, \uc9c0\ubc29\uc18c\ub4dd\uc138, 4\ub300 \ubcf4\ud5d8(\uad6d\ubbfc\uc5f0\uae08, \uac74\uac15\ubcf4\ud5d8, \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8, \uace0\uc6a9\ubcf4\ud5d8)\uc744 \uacf5\uc81c\ud55c \uae08\uc561\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc2dd\ub300 \ub4f1 \ube44\uacfc\uc138 \ud56d\ubaa9\uc740 \uacf5\uc81c\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4. 2025\ub144 \uae30\uc900 4\ub300 \ubcf4\ud5d8 \uc694\uc728\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6d\ubbfc\uc5f0\uae08: 4.5% (\u201925.1~6 \uc0c1\ud55c 277,650\uc6d0 \/ \u201925.7~12 \uc0c1\ud55c 286,650\uc6d0)<br><\/li>\n\n\n\n<li>\uac74\uac15\ubcf4\ud5d8: 3.545%(=7.09%\uc758 \uadfc\ub85c\uc790 \uc808\ubc18)<br><\/li>\n\n\n\n<li>\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8: \uac74\uac15\ubcf4\ud5d8\ub8cc\uc758 \uc57d0.459%p(=3.545%\u00d712.95%)<br><\/li>\n\n\n\n<li>\uace0\uc6a9\ubcf4\ud5d8: 0.9%<\/li>\n<\/ul>\n\n\n\n<p>\uc18c\ub4dd\uc138\ub294 \uc5f0\ubd09\uc5d0 \ub530\ub77c 6~45% \ub204\uc9c4\uc138\uc728\uc774 \uc801\uc6a9\ub418\uba70 \uc5f0\ub9d0\uc815\uc0b0\uc73c\ub85c \uc870\uc815\ub429\ub2c8\ub2e4. <a href=\"https:\/\/joafinance.com\/?p=503\" data-type=\"link\" data-id=\"https:\/\/joafinance.com\/?p=503\">\ubd80\uc591\uac00\uc871 \uc218, \ube44\uacfc\uc138 \ud56d\ubaa9\uc5d0 \ub530\ub77c \uc2e4\uc218\ub839\uc561<\/a>\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2025\ub144 \uc5f0\ubd09\ubcc4 \uc2e4\uc218\ub839\uc561\ud45c<\/h3>\n\n\n\n<p>\uc544\ub798 \ud45c\ub294 2025\ub144 \ucd5c\uc800\uc784\uae08(\uc2dc\uae09 10,030\uc6d0, \uc5f0\ubd09 2,515\ub9cc 5,240\uc6d0)\uc744 \uae30\uc900\uc73c\ub85c <a href=\"https:\/\/joafinance.com\/?p=370\" data-type=\"link\" data-id=\"https:\/\/joafinance.com\/?p=370\">\uc5f0\ubd09 1\uc5b5\uc6d0\uae4c\uc9c0\uc758 \uc2e4\uc218\ub839\uc561<\/a>\uc744 \uc815\ub9ac\ud55c \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>4\ub300 \ubcf4\ud5d8\ub8cc, \uc18c\ub4dd\uc138 \ubc0f \uc9c0\ubc29\uc18c\ub4dd\uc138(\uad6d\uc138\uccad \uadfc\ub85c\uc18c\ub4dd \uac04\uc774\uc138\uc561\ud45c \uae30\uc900), \ube44\uacfc\uc138 \uc6d4 20\ub9cc\uc6d0\uc744 \ubc18\uc601\ud588\uc73c\uba70 \ubd80\uc591\uac00\uc871 1\uc778 \uae30\uc900\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>1. \uc6d4 \uacfc\uc138 \uc18c\ub4dd = (\uc138\uc804 \uc5f0\ubd09\/12) &#8211; \uc6d4 \ube44\uacfc\uc138 \uc2dd\ub300 (20\ub9cc\uc6d0)<\/p>\n\n\n\n<p>2. \uc6d4 \ucd1d \uacf5\uc81c\uc561(\uc6d4 \uacfc\uc138 \uc18c\ub4dd \uc801\uc6a9) = \uc6d4 4\ub300 \ubcf4\ud5d8\ub8cc \ucd1d\ud569 + \uc6d4 \uc18c\ub4dd\uc138 \ubc0f \uc9c0\ubc29\uc18c\ub4dd\uc138 \ucd1d\ud569<\/p>\n\n\n\n<p>3. \uc6d4 \uc2e4\uc218\ub839\uc561 = (\uc138\uc804 \uc5f0\ubd09\/12) &#8211; \uc6d4 \ucd1d \uacf5\uc81c\uc561<\/p>\n\n\n\n<p>4. \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561 = \uc6d4 \uc2e4\uc218\ub839\uc561 x 12<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\uc138\uc804 \uc5f0\ubd09<\/strong><\/td><td><strong>\uc6d4 \uae09\uc5ec (\uc138\uc804)<\/strong><\/td><td><strong>\uc6d4 \uc2e4\uc218\ub839\uc561<\/strong><\/td><td><strong>\uc5f0\ubd09 \uc2e4\uc218\ub839\uc561<\/strong><\/td><\/tr><tr><td>2,515\ub9cc 5,240\uc6d0<\/td><td>209\ub9cc 6,270\uc6d0<\/td><td>190\ub9cc 1,010\uc6d0<\/td><td>2,281\ub9cc 2,120\uc6d0<\/td><\/tr><tr><td>2,750\ub9cc\uc6d0<\/td><td>229\ub9cc 1,667\uc6d0<\/td><td>207\ub9cc 5,980\uc6d0<\/td><td>2,491\ub9cc 1,760\uc6d0<\/td><\/tr><tr><td>3,000\ub9cc\uc6d0<\/td><td>250\ub9cc \uc6d0<\/td><td>224\ub9cc 6,810\uc6d0<\/td><td>2,696\ub9cc 1,720\uc6d0<\/td><\/tr><tr><td>3,250\ub9cc\uc6d0<\/td><td>270\ub9cc 8,333\uc6d0<\/td><td>242\ub9cc 3,730\uc6d0<\/td><td>2,908\ub9cc 4,760\uc6d0<\/td><\/tr><tr><td>3,500\ub9cc\uc6d0<\/td><td>291\ub9cc 6,667\uc6d0<\/td><td>258\ub9cc 9,950\uc6d0<\/td><td>3,107\ub9cc 9,400\uc6d0<\/td><\/tr><tr><td>3,750\ub9cc\uc6d0<\/td><td>312\ub9cc 5,000\uc6d0<\/td><td>275\ub9cc 2,940\uc6d0<\/td><td>3,303\ub9cc 5,280\uc6d0<\/td><\/tr><tr><td>4,000\ub9cc\uc6d0<\/td><td>333\ub9cc 3,333\uc6d0<\/td><td>291\ub9cc 6,740\uc6d0<\/td><td>3,500\ub9cc 880\uc6d0<\/td><\/tr><tr><td>4,250\ub9cc\uc6d0<\/td><td>354\ub9cc 1,667\uc6d0<\/td><td>308\ub9cc 6,500\uc6d0<\/td><td>3,703\ub9cc 8,000\uc6d0<\/td><\/tr><tr><td>4,500\ub9cc\uc6d0<\/td><td>375\ub9cc \uc6d0<\/td><td>325\ub9cc 1,550\uc6d0<\/td><td>3,901\ub9cc 8,600\uc6d0<\/td><\/tr><tr><td>4,750\ub9cc\uc6d0<\/td><td>395\ub9cc 8,333\uc6d0<\/td><td>341\ub9cc 6,590\uc6d0<\/td><td>4,099\ub9cc 9,080\uc6d0<\/td><\/tr><tr><td>5,000\ub9cc\uc6d0<\/td><td>416\ub9cc 6,667\uc6d0<\/td><td>358\ub9cc 1,620\uc6d0<\/td><td>4,297\ub9cc 9,440\uc6d0<\/td><\/tr><tr><td>5,250\ub9cc\uc6d0<\/td><td>437\ub9cc 5,000\uc6d0<\/td><td>373\ub9cc 5,760\uc6d0<\/td><td>4,482\ub9cc 9,120\uc6d0<\/td><\/tr><tr><td>5,500\ub9cc\uc6d0<\/td><td>458\ub9cc 3,333\uc6d0<\/td><td>388\ub9cc 9,900\uc6d0<\/td><td>4,667\ub9cc 8,800\uc6d0<\/td><\/tr><tr><td>5,750\ub9cc\uc6d0<\/td><td>479\ub9cc 1,667\uc6d0<\/td><td>404\ub9cc 4,040\uc6d0<\/td><td>4,852\ub9cc 8,480\uc6d0<\/td><\/tr><tr><td>6,000\ub9cc\uc6d0<\/td><td>500\ub9cc \uc6d0<\/td><td>419\ub9cc 8,180\uc6d0<\/td><td>5,037\ub9cc 8,160\uc6d0<\/td><\/tr><tr><td>6,250\ub9cc\uc6d0<\/td><td>520\ub9cc 8,333\uc6d0<\/td><td>435\ub9cc 2,320\uc6d0<\/td><td>5,222\ub9cc 7,840\uc6d0<\/td><\/tr><tr><td>6,500\ub9cc\uc6d0<\/td><td>541\ub9cc 6,667\uc6d0<\/td><td>450\ub9cc 6,460\uc6d0<\/td><td>5,407\ub9cc 7,520\uc6d0<\/td><\/tr><tr><td>6,750\ub9cc\uc6d0<\/td><td>562\ub9cc 5,000\uc6d0<\/td><td>466\ub9cc 0,600\uc6d0<\/td><td>5,592\ub9cc 7,200\uc6d0<\/td><\/tr><tr><td>7,000\ub9cc\uc6d0<\/td><td>583\ub9cc 3,333\uc6d0<\/td><td>481\ub9cc 4,740\uc6d0<\/td><td>5,777\ub9cc 6,880\uc6d0<\/td><\/tr><tr><td>7,250\ub9cc\uc6d0<\/td><td>604\ub9cc 1,667\uc6d0<\/td><td>496\ub9cc 8,880\uc6d0<\/td><td>5,962\ub9cc 6,560\uc6d0<\/td><\/tr><tr><td>7,500\ub9cc\uc6d0<\/td><td>625\ub9cc \uc6d0<\/td><td>512\ub9cc 3,020\uc6d0<\/td><td>6,147\ub9cc 6,240\uc6d0<\/td><\/tr><tr><td>7,750\ub9cc\uc6d0<\/td><td>645\ub9cc 8,333\uc6d0<\/td><td>527\ub9cc 7,160\uc6d0<\/td><td>6,332\ub9cc 5,920\uc6d0<\/td><\/tr><tr><td>8,000\ub9cc\uc6d0<\/td><td>666\ub9cc 6,667\uc6d0<\/td><td>543\ub9cc 1,300\uc6d0<\/td><td>6,517\ub9cc 5,600\uc6d0<\/td><\/tr><tr><td>8,250\ub9cc\uc6d0<\/td><td>687\ub9cc 5,000\uc6d0<\/td><td>558\ub9cc 5,440\uc6d0<\/td><td>6,702\ub9cc 5,280\uc6d0<\/td><\/tr><tr><td>8,500\ub9cc\uc6d0<\/td><td>708\ub9cc 3,333\uc6d0<\/td><td>573\ub9cc 9,580\uc6d0<\/td><td>6,887\ub9cc 4,960\uc6d0<\/td><\/tr><tr><td>8,750\ub9cc\uc6d0<\/td><td>729\ub9cc 1,667\uc6d0<\/td><td>589\ub9cc 3,720\uc6d0<\/td><td>7,072\ub9cc 4,640\uc6d0<\/td><\/tr><tr><td>9,000\ub9cc\uc6d0<\/td><td>750\ub9cc \uc6d0<\/td><td>604\ub9cc 7,860\uc6d0<\/td><td>7,257\ub9cc 4,320\uc6d0<\/td><\/tr><tr><td>9,250\ub9cc\uc6d0<\/td><td>770\ub9cc 8,333\uc6d0<\/td><td>620\ub9cc 2,000\uc6d0<\/td><td>7,442\ub9cc 4,000\uc6d0<\/td><\/tr><tr><td>9,500\ub9cc\uc6d0<\/td><td>791\ub9cc 6,667\uc6d0<\/td><td>635\ub9cc 6,140\uc6d0<\/td><td>7,627\ub9cc 3,680\uc6d0<\/td><\/tr><tr><td>9,750\ub9cc\uc6d0<\/td><td>812\ub9cc 5,000\uc6d0<\/td><td>651\ub9cc 0,280\uc6d0<\/td><td>7,812\ub9cc 3,360\uc6d0<\/td><\/tr><tr><td>1\uc5b5\uc6d0<\/td><td>833\ub9cc 3,333\uc6d0<\/td><td>666\ub9cc 4,420\uc6d0<\/td><td>7,997\ub9cc 3,040\uc6d0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\uc8fc\uc694 \uc5f0\ubd09 \uad6c\uac04 \ubd84\uc11d<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"759\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image.png\" alt=\"\" class=\"wp-image-271\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image.png 1000w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-300x228.png 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-768x583.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4 \ucd9c\ucc98: <a href=\"https:\/\/www.jobplanet.co.kr\/contents\/news-3896\/%22%EB%82%A8%EB%93%A4%EC%9D%80%20%EC%96%BC%EB%A7%88%20%EB%B0%9B%EC%95%84%3F%EB%82%98%EB%8A%94%20%EB%AA%87%20%EB%93%B1%3F%22%20%EC%A7%81%EC%9E%A5%EC%9D%B8%20%EC%97%B0%EB%B4%89%20%EB%8C%80%ED%95%B4%EB%B6%80\" target=\"_blank\" rel=\"noopener\">\uc7a1\ud50c\ub798\ub2db<\/a>)<\/p>\n\n\n\n<p>\uc5f0\ubd09 4000 \uc2e4\uc218\ub839\uc561\uc740 \uc5f0\uac04 3,500\ub9cc 880\uc6d0, \uc6d4\uac04 291\ub9cc 6,740\uc6d0 \uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774 \uae08\uc561\uc740 20\ub300 \ud6c4\ubc18\uc5d0\uc11c 30\ub300 \ucd08\ubc18 \uc9c1\uc7a5\uc778\ub4e4\uc758 \ud3c9\uade0 \uc5f0\ubd09 \uc218\uc900\uc73c\ub85c \uae30\ubcf8\uc801\uc778 \uc0dd\ud65c\ube44\ub97c \ucda9\ub2f9\ud558\uace0 \uc800\ucd95\uc744 \uc2dc\uc791\ud558\uae30\uc5d0 \uc801\uc808\ud55c \uae08\uc561\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc5f0\ubd09 5000 \uc2e4\uc218\ub839\uc561\uc740 \uc5f0\uac04 4,297\ub9cc 9,440\uc6d0, \uc6d4\uac04 358\ub9cc 1,620\uc6d0 \uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774 \uad6c\uac04\ubd80\ud130\ub294 \uc138\uae08\uacfc 4\ub300 \ubcf4\ud5d8 \uacf5\uc81c\uc561\uc774 \uc99d\uac00\ud574 \uc5f0\ubd09 \uc0c1\uc2b9 \ub300\ube44 \uccb4\uac10 \uc18c\ub4dd \uc99d\uac00\uc728\uc774 \ub454\ud654\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uacf5\ubb34\uc6d0 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561<\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"2025 \uacf5\ubb34\uc6d0 \ubd09\uae09\uacfc \uc218\ub2f9 \uc778\uc0c1 \uc5bc\ub9c8\ub098?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/Ax5trV8iwKo?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>(\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/@Kim_JJ\" target=\"_blank\" rel=\"noopener\">\uae40\uc7ac\uc900 \ud589\uc815\ud559TV<\/a>)<\/p>\n\n\n\n<p>\uacf5\ubb34\uc6d0 \uc5f0\ubd09\uc740 \uae30\ubcf8\uae09\uacfc \ub2e4\uc591\ud55c \uc218\ub2f9(\uc815\uc561\uae09\uc2dd\ube44, \uc9c1\uae09\ubcf4\uc870\ube44, \uac00\uc871\uc218\ub2f9, \uc815\uadfc\uc218\ub2f9 \ub4f1)\uc73c\ub85c \uad6c\uc131\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uacf5\uc81c \ud56d\ubaa9\uc5d0\ub294 \uc18c\ub4dd\uc138, \uc9c0\ubc29\uc18c\ub4dd\uc138, 4\ub300 \ubcf4\ud5d8(\uad6d\ubbfc\uc5f0\uae08, \uac74\uac15\ubcf4\ud5d8, \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8, \uace0\uc6a9\ubcf4\ud5d8) \uc678 \uacf5\ubb34\uc6d0\uc5f0\uae08(\uae30\ubcf8\uae09\uc758 9%)\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc544\ub798\ub294 \uace0\uc815 \uc218\ub2f9\uacfc \ub300\ub7b5\uc801\uc778 \uacf5\uc81c\uc561\uc744 \uc801\uc6a9\ud55c \uc218\uce58\ub85c, \uac1c\uc778 \uacf5\uc81c\uc561\uacfc \uc218\ub2f9\uc5d0 \ub530\ub77c\uc11c \uc2e4\uc218\ub839\uc561\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ub2c8 \ucc38\uace0\uc6a9\uc73c\ub85c \uc0ac\uc6a9\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9\uae09 \uacf5\ubb34\uc6d0 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8\uae09: 9\uae09 1\ud638\ubd09 200\ub9cc 900\uc6d0, \uc5f0\ubd09 2,401\ub9cc 800\uc6d0 (\uc138\uc804)<\/li>\n\n\n\n<li>\uace0\uc815 \uc218\ub2f9: \uc815\uc561\uae09\uc2dd\ube44 14\ub9cc\uc6d0 + \uc9c1\uae09\ubcf4\uc870\ube44 17.5\ub9cc\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc5f0\ubd09(\uc138\uc804): 2,779\ub9cc 800\uc6d0 (\uace0\uc815 \uc218\ub2f9 \ud3ec\ud568)<\/li>\n\n\n\n<li>\uacf5\uc81c\uc561: \uc5f0\uac04 \uc57d 492\ub9cc\uc6d0<\/li>\n\n\n\n<li>\uc2e4\uc218\ub839\uc561: \uc6d4 \uc57d 190\ub9cc\uc6d0, \uc5f0\uac04 \uc57d 2,280\ub9cc\uc6d0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">7\uae09 \uacf5\ubb34\uc6d0 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8\uae09: 7\uae09 1\ud638\ubd09 217\ub9cc 3,600\uc6d0, \uc5f0\ubd09 \uc57d 2,608\ub9cc 3,200\uc6d0 (\uc138\uc804)<\/li>\n\n\n\n<li>\uace0\uc815 \uc218\ub2f9 : \uc815\uc561\uae09\uc2dd\ube44 14\ub9cc\uc6d0 + \uc9c1\uae09\ubcf4\uc870\ube44 18\ub9cc\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc5f0\ubd09(\uc138\uc804): 2,992\ub9cc 3,200\uc6d0 (\uace0\uc815 \uc218\ub2f9 \ud3ec\ud568)<\/li>\n\n\n\n<li>\uacf5\uc81c\uc561: \uc5f0\uac04 \uc57d 516\ub9cc\uc6d0<\/li>\n\n\n\n<li>\uc2e4\uc218\ub839\uc561: \uc6d4 \uc57d 206\ub9cc\uc6d0, \uc5f0\uac04 \uc57d 2,476\ub9cc\uc6d0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5\uae09 \uacf5\ubb34\uc6d0 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae30\ubcf8\uae09: 5\uae09 1\ud638\ubd09 279\ub9cc 8,500\uc6d0, \uc5f0\ubd09 3,358\ub9cc 2,000\uc6d0 (\uc138\uc804)<\/li>\n\n\n\n<li>\uc218\ub2f9 \uc608\uc2dc: \uc815\uc561\uae09\uc2dd\ube44 14\ub9cc\uc6d0 \/ \uc9c1\uae09\ubcf4\uc870\ube44 25\ub9cc\uc6d0<\/li>\n\n\n\n<li>\ucd1d \uc5f0\ubd09(\uc138\uc804): 3,826\ub9cc 2,000\uc6d0 (\uace0\uc815 \uc218\ub2f9 \ud3ec\ud568)<\/li>\n\n\n\n<li>\uacf5\uc81c\uc561: \uc5f0\uac04 \uc57d 720\ub9cc\uc6d0<\/li>\n\n\n\n<li>\uc2e4\uc218\ub839\uc561: \uc6d4 \uc57d 258\ub9cc\uc6d0, \uc5f0\uac04 \uc57d 3,100\ub9cc\uc6d0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uc2e4\uc218\ub839\uc561\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc694\uc778<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"546\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-1-1024x546.jpg\" alt=\"\" class=\"wp-image-273\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-1-1024x546.jpg 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-1-300x160.jpg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-1-768x410.jpg 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-1.jpg 1440w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4 \ucd9c\ucc98: <a href=\"https:\/\/blog.3o3.co.kr\/tax-keyword-for-beginners\/\" target=\"_blank\" rel=\"noopener\">\uc0bc\uca5c\uc0bc \ube14\ub85c\uadf8<\/a>)<\/p>\n\n\n\n<p>\uc2e4\uc218\ub839\uc561\uc740 \uc5ec\ub7ec \uc694\uc778\uc5d0 \ub530\ub77c\uc11c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uba3c\uc800 \ube44\uacfc\uc138 \ud56d\ubaa9\uc778 \uc2dd\ub300\ub294 \uc6d4 20\ub9cc\uc6d0\uae4c\uc9c0 \uc138\uae08\uc774 \uacf5\uc81c \ub418\uc5b4 \uc2e4\uc218\ub839\uc561\uc744 \ub298\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c \ubd80\uc591\uac00\uc871\uc774 \ub9ce\uc744\uc218\ub85d \uacf5\uc81c\uc561\uc774 \uc99d\uac00\ud574 \uc2e4\uc81c\ub85c \ubc1b\ub294 \uae08\uc561\uc774 \ucee4\uc9d1\ub2c8\ub2e4. \uac70\uc8fc \uc9c0\uc5ed\uc5d0 \ub530\ub77c\uc11c \uc9c0\ubc29\uc18c\ub4dd\uc138\uc728\uc774\ub098 \uc9c0\uc5ed \uc218\ub2f9\uc774 \ub2ec\ub77c\uc9c0\ub294 \uc810\ub3c4 \uc2e4\uc218\ub839\uc561\uc5d0 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc561, \uc758\ub8cc\ube44, \uad50\uc721\ube44 \ub4f1 \ub2e4\uc591\ud55c \uc18c\ub4dd\uacf5\uc81c \ud56d\ubaa9\uc744 \ud1b5\ud574 \uc138\uae08\uc744 \ud658\uae09\ubc1b\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ube44\uacfc\uc138 \ud56d\ubaa9: \uc2dd\ub300\uc758 \uacbd\uc6b0 \uc6d4 20\ub9cc\uc6d0\uae4c\uc9c0 \uacf5\uc81c \uac00\ub2a5<\/li>\n\n\n\n<li>\ubd80\uc591\uac00\uc871 \uc218: 1\uc778\ub2f9 \uacf5\uc81c\uc561 \uc99d\uac00\ub85c \uc2e4\uc218\ub839\uc561 \uc0c1\uc2b9\uc774 \uac00\ub2a5<\/li>\n\n\n\n<li>\uc9c0\uc5ed\ubcc4 \ucc28\uc774: \uc9c0\ubc29\uc18c\ub4dd\uc138\uc728, \uc9c0\uc5ed\ubcc4 \uc218\ub2f9 \ucc28\uc774 \uc788\uc74c<\/li>\n\n\n\n<li>\uc5f0\ub9d0\uc815\uc0b0: \uc18c\ub4dd\uacf5\uc81c \ud56d\ubaa9(\uc2e0\uc6a9\uce74\ub4dc, \uc758\ub8cc\ube44 \ub4f1)\uc73c\ub85c \ud658\uae09 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac<\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"\ub300\ud55c\ubbfc\uad6d \uc6d4\uae09 \ud3c9\uade0, \ub0b4 \uc6d4\uae09\uc740 \ub300\ud55c\ubbfc\uad6d \uba87 \ub4f1\uc77c\uae4c\uc694?\ud83d\udcb0\ud3c9\uade0\uc5f0\ubd09, \uc0c1\uc7041% \uc5f0\ubd09\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/Fgs3KIL38as?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>(\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/@bankmall\" target=\"_blank\" rel=\"noopener\">\ubc45\ud06c\ubab0TV<\/a>)<\/p>\n\n\n\n<p>2025 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561\uc740 \uc138\uae08\uacfc 4\ub300 \ubcf4\ud5d8\uc73c\ub85c \uc138\uc804 \uc5f0\ubd09\uc758 10%\uc5d0\uc11c 20%\uac00 \uacf5\uc81c\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc5f0\ubd09 4000 \uc2e4\uc218\ub839\uc561\uc740 \uc6d4 <strong>\uc57d 291\ub9cc\uc6d0<\/strong>, \uc5f0\ubd09 5000 \uc2e4\uc218\ub839\uc561\uc740 \uc6d4 <strong>\uc57d 358\ub9cc\uc6d0<\/strong>\uc774\uba70, \uacf5\ubb34\uc6d0\uc740 7\uae09 \uae30\uc900 \uc6d4 <strong>\uc57d 206\ub9cc\uc6d0<\/strong>, 5\uae09 \uae30\uc900 \uc6d4 <strong>\uc57d 258\ub9cc\uc6d0<\/strong> \uc218\uc900\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uacf5\ubb34\uc6d0\uc740 \uc2e4\uc218\ub839\uc561\uc740 \uc801\uc9c0\ub9cc \uc5f0\uae08\uacfc \ubcf5\uc9c0\ub85c \uc548\uc815\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ubc88 \uae00\uc744 \ucc38\uace0\ud558\uc5ec \uc5f0\ubd09 \ud611\uc0c1\uacfc \uc7ac\ud14c\ud06c \uacc4\ud68d\uc744 \uc138\uc6b0\uace0 \ub0b4\ub144 \uc5f0\ubd09 \ud611\uc0c1\ub3c4 \uc131\uacf5\uc801\uc73c\ub85c \uc9c4\ud589\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc5f0\ubd09 \ud611\uc0c1\uc744 \uc55e\ub450\uace0 \uc788\ub2e4\uba74 \uc2e4\uc81c\ub85c \uc190\uc5d0 \uc950\ub294 \uae08\uc561\uc778 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561\uc774 \uad81\uae08\ud560 \uac83\uc785\ub2c8\ub2e4. \uacc4\uc57d\uc11c\uc5d0 \uc801\ud78c \uc5f0\ubd09\uacfc \ud1b5\uc7a5\uc5d0 \uc785\uae08\ub418\ub294 \uae08\uc561\uc740 \uc138\uae08\uacfc 4\ub300 \ubcf4\ud5d8 \uacf5\uc81c\ub85c \ucc28\uc774\uac00 \ud07d\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 2025\ub144 \uc77c\ubc18 \uc9c1\uc7a5\uc778\uacfc \uacf5\ubb34\uc6d0\uc758 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ucd5c\uc800\uc784\uae08\ubd80\ud130 \uace0\uc18c\ub4dd \uad6c\uac04, \uacf5\ubb34\uc6d0 \ubd09\uae09\uae4c\uc9c0 \uc790\uc138\ud558\uac8c \uc815\ub9ac\ud558\uc600\uc73c\ub2c8 \uc7ac\ud14c\ud06c\uc640 \uacbd\ub825 \uacc4\ud68d\uc5d0 \ud65c\uc6a9\ud558\uc2dc\uba74 \uc88b\uc744 \ub4ef \ud569\ub2c8\ub2e4. 2025 \uc5f0\ubd09 \uc2e4\uc218\ub839\uc561 \uacc4\uc0b0 (\uc0ac\uc9c4 \ucd9c\ucc98: \uc7a1\ud50c\ub798\ub2db) \uc2e4\uc218\ub839\uc561\uc740 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":274,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-9"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=270"}],"version-history":[{"count":3,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/270\/revisions"}],"predecessor-version":[{"id":783,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/270\/revisions\/783"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/274"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}