{"id":327,"date":"2025-11-13T23:59:35","date_gmt":"2025-11-13T14:59:35","guid":{"rendered":"https:\/\/joafinance.com\/?p=327"},"modified":"2026-03-24T23:43:20","modified_gmt":"2026-03-24T14:43:20","slug":"20%eb%8c%80-%eb%82%a8%ec%9e%90-%ec%9e%ac%ed%85%8c%ed%81%ac-%ed%88%ac%ec%9e%90-%ec%b6%94%ec%b2%9c-%ec%a0%80%ec%b6%95%c2%b7%ed%88%ac%ec%9e%90-%eb%b9%84%ec%9c%a8-%ed%98%84%ec%8b%a4-%ec%a0%84","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=327","title":{"rendered":"20\ub300 \ub0a8\uc790 \uc7ac\ud14c\ud06c \ud22c\uc790 \ucd94\ucc9c \u2013 \uc800\ucd95\u00b7\ud22c\uc790 \ube44\uc728 \ud604\uc2e4 \uc804\ub7b5 \ucd1d\uc815\ub9ac"},"content":{"rendered":"\n<p>\uc7ac\ud14c\ud06c\uc758 \uccab\uac78\uc74c\uc740 \uadf8\uc800 \ub3c8\uc744 \ub9ce\uc774 \ubc84\ub294 \uac83\uc774 \uc544\ub2c8\ub77c <strong>\u2018\ub3c8\uc758 \ud750\ub984\uc744 \ud30c\uc545\ud558\uace0 \ud1b5\uc81c\ud558\ub294 \ub2a5\ub825\u2019\uc744 \ud0a4\uc6b0\ub294 \uac83<\/strong>\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>20\ub300 \ub0a8\uc131\uc774\ub77c\uba74 \uc218\uc785\uc758 \ucd5c\uc18c 10~20%\ub97c \uc800\ucd95\ud574 \u2018\ube44\uc0c1\uae08 \uacc4\uc88c\u2019\ub97c \ub9cc\ub4e4\uace0, \ub098\uba38\uc9c0\ub294 \ud22c\uc790 \uacbd\ud5d8\uc744 \uc313\ub294 \ub370 \ud65c\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucc98\uc74c\ubd80\ud130 \ud070\ub3c8\uc744 \ud22c\uc790\ud558\uae30\ubcf4\ub2e4\ub294 <strong>\uc18c\uc561 \ubd84\ud560 \ud22c\uc790\uc640 \uae08\uc735 \uacf5\ubd80<\/strong>\ub97c \ubcd1\ud589\ud558\uc138\uc694. <\/p>\n\n\n\n<p>\uc99d\uad8c\uc0ac \ubaa8\uc758\ud22c\uc790, CMA \uacc4\uc88c\ub97c \ud65c\uc6a9\ud55c \ub2e8\uae30 \uc608\uce58, ETF\u00b7\uc778\ub371\uc2a4\ud380\ub4dc\ub85c\uc758 \ubd84\uc0b0\ud22c\uc790\uac00 \uc88b\uc740 \uc2dc\uc791\uc810\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 <strong>20\ub300 \ub0a8\uc790\ub97c \uc704\ud55c \uc7ac\ud14c\ud06c \ucd94\ucc9c \uc804\ub7b5<\/strong>\uacfc \uc800\ucd95\u00b7\ud22c\uc790 \ube44\uc728\uc744 \ud604\uc2e4\uc801\uc73c\ub85c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc800\ucd95\uacfc \ud22c\uc790\uc758 \uc801\uc808\ud55c \ube44\uc728\uc740?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"600\" height=\"405\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image.jpeg\" alt=\"\" class=\"wp-image-328\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image.jpeg 600w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-300x203.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>\ucd9c\ucc98: <a href=\"https:\/\/magazine.hankyung.com\/job-joy\/article\/202102167012d\" target=\"_blank\" rel=\"noopener\">\ud55c\uacbd<\/a><\/p>\n\n\n\n<p>20\ub300 \ucd08\ubc18\uc5d0\ub294 \uc790\uc0b0 \uaddc\ubaa8\uac00 \uc791\uae30 \ub54c\ubb38\uc5d0 \uc800\ucd95 70%, \ud22c\uc790 30%\uc758 \uc548\uc815\uc801 \ube44\uc728\uc774 \uc774\uc0c1\uc801\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc77c\uc815\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud655\ubcf4\ub418\uace0 \ud22c\uc790 \uacbd\ud5d8\uc774 \uc313\uc774\uba74 <strong>\ud22c\uc790 \ube44\uc911\uc744 50%\uae4c\uc9c0 \ud655\uc7a5<\/strong>\ud574\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \ub2e8, \ud22c\uc790\uae08\uc740 \u2018\uc783\uc5b4\ub3c4 \uc0dd\ud65c\uc5d0 \uc9c0\uc7a5 \uc5c6\ub294 \uc5ec\uc720\uc790\uae08\u2019\uc5d0\uc11c\ub9cc \ucd9c\ubc1c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc800\ucd95\uc740 \ubbf8\ub798\uc758 \uc548\uc815\uc131\uc744 \uc704\ud55c \u2018\ubc29\ud328\u2019\uc774\uace0, \ud22c\uc790\ub294 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud55c \u2018\ucc3d\u2019\uc785\ub2c8\ub2e4. \ub450 \uc601\uc5ed\uc744 \ubcd1\ud589\ud560 \ub54c <strong>\ub9ac\uc2a4\ud06c \uad00\ub9ac<\/strong>\uac00 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc801\uae08\u00b7CMA\u00b7\uccad\ub144\ub3c4\uc57d\uacc4\uc88c \ub4f1 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \ucd5c\uc18c 6\uac1c\uc6d4\uce58 \uc0dd\ud65c\ube44\ub97c \ud655\ubcf4\ud55c \ub4a4, \ub098\uba38\uc9c0\ub85c ETF, \ud380\ub4dc, \ubc30\ub2f9\uc8fc \ub4f1 \uc7a5\uae30 \uc131\uc7a5\ud615 \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ud604\uc2e4\uc801\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub9e4\ub2ec \uc790\ub3d9\uc774\uccb4\ub85c \uc77c\uc815 \uae08\uc561\uc744 \uafb8\uc900\ud788 \ud22c\uc790\ud558\ub294 \u2018\uc801\ub9bd\uc2dd \ud22c\uc790(SIP)\u2019\ub294 20\ub300\uc5d0\uac8c \ud2b9\ud788 \ucd94\ucc9c\ub418\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>20\ub300 \ub0a8\uc790\uc5d0\uac8c \ucd94\ucc9c\ud558\ub294 \ud22c\uc790 \uc0c1\ud488\uc740?<\/strong><\/h2>\n\n\n\n<p>20\ub300\ub294 \uc2dc\uac04\uc801 \uc5ec\uc720\uc640 \ubcf5\ub9ac\uc758 \ud798\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c <strong>\uc9c0\uc218\ud615 ETF\uc640 \uc6b0\ub7c9 \ubc30\ub2f9\uc8fc<\/strong> \uc911\uc2ec\uc758 \uc7a5\uae30 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ud45c\uc801\uc778 \uc120\ud0dd\uc9c0\ub294 <strong>S&amp;P500, \ub098\uc2a4\ub2e5100, \ucf54\uc2a4\ud53c200 ETF<\/strong>\uc774\uba70, \uc790\ub3d9 \ubd84\ud560 \ud22c\uc790\ub85c \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubc30\ub2f9\uc8fc \ud22c\uc790\ub294 \uc548\uc815\uc801\uc778 \ud604\uae08 \ud750\ub984\uc744 \ub9cc\ub4e4\uc5b4 \uc8fc\uba70, \uae08\uc735\u00b7\uc5d0\ub108\uc9c0\u00b7\ub9ac\uce20(REITs) \uc139\ud130\uac00 \uafb8\uc900\ud55c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c <strong>IRP\u00b7\uc5f0\uae08\uc800\ucd95\ud380\ub4dc<\/strong>\ub97c \ud65c\uc6a9\ud558\uba74 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba70 \uc7a5\uae30 \ud22c\uc790 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub2e8\uae30 \ud2b8\ub80c\ub4dc\uc778 \uc554\ud638\ud654\ud3d0\ub098 P2P\ud22c\uc790 \ub4f1\uc740 \uc18c\uc561\uc73c\ub85c\ub9cc \uc811\uadfc\ud558\uace0, \uc790\uc0b0\uc758 5~10% \uc774\ub0b4\ub85c \uc81c\ud55c\ud558\uc138\uc694.<\/p>\n\n\n\n<p>\ud2b9\ud788 <strong>20\ub300 \ub0a8\uc790 \uc7ac\ud14c\ud06c \ud22c\uc790 \ucd94\ucc9c \ud3ec\uc778\ud2b8<\/strong>\ub294 \u2018\uc2dc\uac04\uc744 \uc544\uad70\uc73c\ub85c \uc4f0\ub294 \uc7a5\uae30 \uc804\ub7b5\u2019\uacfc \u2018\uc704\ud5d8 \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc7ac\ud14c\ud06c \uc2dc \ud754\ud55c \uc2e4\uc218\uc640 \uc608\ubc29\ucc45\uc740?<\/strong><\/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=\"20\ub300 \ub54c \ub2a6\uac8c\ud574\uc11c \uac00\uc7a5 \ud6c4\ud68c\ub418\ub294 \uc77c....... \u3160.\u3160\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/PnGqfKkjX4k?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\/watch?v=PnGqfKkjX4k\" target=\"_blank\" rel=\"noopener\">\uc2dc\uace8\uc950\uc758 \ub3c4\uc2dc\uc0dd\ud65c<\/a><\/p>\n\n\n\n<p>\ub9ce\uc740 20\ub300 \ud22c\uc790\uc790\ub294 \ube60\ub978 \uc218\uc775\uc744 \ucad3\ub2e4\uac00 \u2018\ub2e8\uae30 \ud22c\uae30\u2019\ub85c \ud750\ub974\ub294 \uc2e4\uc218\ub97c \ubc94\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc218\uc775\ub960\uc774 \ub192\ub2e4\ub294 \ub9d0\uc5d0 \ud604\ud639\ub418\uc5b4 \uac80\uc99d\ub418\uc9c0 \uc54a\uc740 \uc885\ubaa9\uc774\ub098 \uace0\uc704\ud5d8 \uc0c1\ud488\uc5d0 \ubab0\uc785\ud558\uba74 \uc190\uc2e4 \ud655\ub960\uc774 \uae09\uaca9\ud788 \uc99d\uac00\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub97c \uc608\ubc29\ud558\ub824\uba74 <strong>\ud22c\uc790 \uc6d0\uce59\uacfc \ubaa9\ud45c \uc218\uc775\ub960<\/strong>\uc744 \uc0ac\uc804\uc5d0 \uba85\ud655\ud788 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 \u201c\uc6d4 5% \uc774\uc0c1 \uc218\uc775\uc744 \ucd94\uad6c\ud558\uc9c0 \uc54a\ub294\ub2e4\u201d, \u201c\uc190\uc2e4 10% \uc2dc \ubb34\uc870\uac74 \ub9e4\ub3c4\ud55c\ub2e4\u201d \ub4f1\uc758 \uad6c\uccb4\uc801\uc778 \uae30\uc900\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c \uac10\uc815\uc801 \ud22c\uc790\ub97c \ud53c\ud558\uace0, \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub3c4\ub85d <strong>\ub370\uc774\ud130 \uc911\uc2ec\uc758 \ud310\ub2e8<\/strong>\uc744 \uc2b5\uad00\ud654\ud558\uc138\uc694.<\/p>\n\n\n\n<p>\uc2e4\ud328 \uacbd\ud5d8\uc740 \ub450\ub824\uc6c0\uc774 \uc544\ub2c8\ub77c \u2018\uc2dc\uc7a5 \uc774\ud574\ub825\u2019\uc758 \uc790\uc0b0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc8fc\uae30\uc801\uc73c\ub85c \uc790\uc0b0 \ud604\ud669\uc744 \uc810\uac80\ud558\uba70, \ud544\uc694\ud560 \ub54c \uc804\ubb38\uac00\uc758 \uc0c1\ub2f4\uc744 \ubc1b\ub294 \uac83\ub3c4 \uc7a5\uae30\uc801 \uc548\uc815\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>20\ub300 \ub0a8\uc790 \uc7ac\ud14c\ud06c, \uaf2d \uc54c\uc544\ub46c\uc57c \ud560 \uc138\uae08\uacfc \ubc95\uc801 \uc774\uc288<\/strong><\/h2>\n\n\n\n<p>\ud22c\uc790\uc5d0\uc11c \uc138\uae08\uc740 \u2018\ubcf4\uc774\uc9c0 \uc54a\ub294 \uc190\uc2e4\u2019\uc785\ub2c8\ub2e4. \uad6d\ub0b4 \uc8fc\uc2dd\uc740 \ubc30\ub2f9\uc18c\ub4dd\uc138 15.4%\uac00 \uc801\uc6a9\ub418\uba70, \ud574\uc678 \uc8fc\uc2dd\uc740 \uc591\ub3c4\ucc28\uc775 250\ub9cc \uc6d0 \ucd08\uacfc\ubd84\uc5d0 \ub300\ud574 22% \uc138\uc728\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c <strong>\ud574\uc678 ETF\u00b7\ub9ac\uce20\u00b7\uc554\ud638\ud654\ud3d0 \ud22c\uc790 \uc2dc \uad6d\uac00\ubcc4 \uacfc\uc138 \uae30\uc900\uc774 \ub2e4\ub974\ubbc0\ub85c<\/strong>, \ubc18\ub4dc\uc2dc \uc5f0 1\ud68c \uc774\uc0c1 \uc138\ubb34 \uc810\uac80\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>20\ub300\ub77c\uba74 \uc815\ubd80\uc758 \uccad\ub144 \uc804\uc6a9 \uc81c\ub3c4(\uccad\ub144\ud615 IRP, ISA, \uccad\ub144\ub3c4\uc57d\uacc4\uc88c \ub4f1)\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uc138\uc694. \uc138\uc81c \ud61c\ud0dd\uacfc \uc6b0\ub300\uae08\ub9ac\ub97c \ub3d9\uc2dc\uc5d0 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud574\uc678 \uc1a1\uae08 \ubc0f \ud658\uc804 \ud22c\uc790 \uc2dc\uc5d0\ub294 <strong>\ud658\uc728 \ubcc0\ub3d9 \uc704\ud5d8\uacfc \uc218\uc218\ub8cc \uad6c\uc870<\/strong>\ub97c \ubbf8\ub9ac \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ucc98\ub7fc \uc138\uae08\uacfc \ubc95\uc801 \uc774\uc288\ub97c \uc0ac\uc804\uc5d0 \uc774\ud574\ud558\uba74 \uc608\uae30\uce58 \ubabb\ud55c \uc190\uc2e4\uc744 \ub9c9\uace0, \ud569\ubc95\uc801 \uc808\uc138 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc790\uc0b0 \ubd84\uc0b0 \ud22c\uc790\ub294 \uc65c \uc911\uc694\ud55c\uac00?<\/strong><\/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=\"30\ub304\ub370 \ubaa8\uc740 \ub3c8\uc774 \uc5c6\ub2e4\uba74\u203c\ufe0f ISA\/\uc5f0\uae08\uc800\ucd95 \uac19\uc740 \uac70 \ud558\uc9c0\ub9c8\uc138\uc694\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/HuBVUil1Ca0?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\/watch?v=HuBVUil1Ca0\" target=\"_blank\" rel=\"noopener\">\uc2dc\uace8\uc950\uc758 \ub3c4\uc2dc\uc0dd\ud65c<\/a><\/p>\n\n\n\n<p>\ubd84\uc0b0\ud22c\uc790\ub294 \u2018\uc704\ud5d8 \ubd84\uc0b0\u2019\uc774\uc790 \u2018\uc2ec\ub9ac\uc801 \uc548\uc815\uc7a5\uce58\u2019\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc8fc\uc2dd, \ucc44\uad8c, \uae08, \ub9ac\uce20, \ud604\uae08\uc131 \uc790\uc0b0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ub098\ub204\uc5b4 \ud22c\uc790\ud558\uba74 \ud2b9\uc815 \uc2dc\uc7a5\uc774 \ud754\ub4e4\ub824\ub3c4 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uade0\ud615\uc774 \uc720\uc9c0\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>20\ub300\ub294 \uc7a5\uae30\ud22c\uc790\uac00 \uac00\ub2a5\ud558\ubbc0\ub85c, <strong>\uace0\uc704\ud5d8 \uc790\uc0b0 \ube44\uc911\uc744 \uc870\uae08 \ub354 \ub192\uc774\ub294 \ub300\uc2e0<\/strong> \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc73c\ub85c \ud3ed\uc744 \ub113\ud788\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 ETF 40%, \uc801\uae08 20%, \ud604\uae08\uc131 \uc790\uc0b0 10%, \ucc44\uad8c 10%, \ub9ac\uce20\u00b7\ub300\uccb4\ud22c\uc790 20% \ud615\ud0dc\uac00 \uc774\uc0c1\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubd84\uc0b0\ud22c\uc790\ub294 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud558\uae30\ubcf4\ub2e4, <strong>\uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud574 \uc7a5\uae30 \uc131\uc7a5 \uae30\ubc18\uc744 \ub9cc\ub4dc\ub294 \uc804\ub7b5<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc2dc\uc7a5 \uae09\ub77d\uae30\uc5d0\ub3c4 \ubd84\uc0b0\ub41c \uc790\uc0b0\uc740 \ud68c\ubcf5\uc774 \ube60\ub974\uba70, \ud22c\uc790 \uc2ec\ub9ac\uc758 \ud754\ub4e4\ub9bc\uc744 \uc904\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud22c\uc790 \uc2dc \uc8fc\uc758\ud560 \uc810\uacfc \uc720\uc758\uc0ac\ud56d<\/strong><\/h2>\n\n\n\n<p>20\ub300\ub294 \u2018\ube60\ub978 \ub3c8\u2019\ubcf4\ub2e4 \u2018\uc9c0\uc18d \uac00\ub2a5\ud55c \uc790\uc0b0\u2019\uc744 \ubaa9\ud45c\ub85c \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ube5a\uc744 \ub0b4\uc11c \ud22c\uc790\ud558\ub294 \ub808\ubc84\ub9ac\uc9c0 \ud22c\uc790\ub098, \uce5c\uad6c\u00b7\ucee4\ubba4\ub2c8\ud2f0 \ucd94\ucc9c\uc5d0 \ubb34\uc791\uc815 \ub530\ub77c\uac00\ub294 \ud589\ub3d9\uc740 \uc704\ud5d8\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubaa8\ub4e0 \uae08\uc735\uc0c1\ud488\uc740 \uc6d0\uae08 \uc190\uc2e4 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\ubbc0\ub85c, \uacc4\uc57d \uc804 <strong>\uc0c1\ud488 \uc124\uba85\uc11c\uc640 \ub9ac\uc2a4\ud06c \ub4f1\uae09<\/strong>\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc138\uc694.<\/p>\n\n\n\n<p>\ub610\ud55c \uae08\uc735\uc0ac\uae30\ub098 \ubd88\ubc95 \ud22c\uc790 \uad8c\uc720\uc5d0 \ub300\ube44\ud574 <strong>\uae08\uc735\uac10\ub3c5\uc6d0\u00b7\uad6d\uc138\uccad \uacf5\uc2dd \uc0ac\uc774\ud2b8<\/strong>\ub97c \ud1b5\ud55c \uc9c4\uc704 \ud655\uc778\uc774 \ud544\uc218\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud22c\uc790\ub294 \uc2a4\uc2a4\ub85c\uc758 \ud310\ub2e8\uacfc \ucc45\uc784 \ud558\uc5d0 \uc774\ub8e8\uc5b4\uc838\uc57c \ud558\uba70, \uc190\uc2e4 \uacbd\ud5d8\uc774 \uace7 \ud559\uc2b5\uc758 \uae30\ud68c\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc791\uc740 \uc131\uacf5\ubcf4\ub2e4 \uafb8\uc900\ud55c \uc2b5\uad00\uc744 \ub9cc\ub4dc\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \ud6e8\uc52c \ud070 \uc131\uacfc\ub97c \uac00\uc838\uc635\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2025\ub144 20\ub300 \ub0a8\uc790 \uc7ac\ud14c\ud06c \ud2b8\ub80c\ub4dc<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-9-16 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"\uc6d4\uae09200\ub300 20\ub300\uc5d0 2\uc5b5 \ubaa8\uc740 \uc9c1\uc7a5\uc778\uc774 \uc6d4\uae09 \ub0a0 \ubc18\ub4dc\uc2dc \uc9c0\ud0a4\ub294 \ub8e8\ud2f4\" width=\"422\" height=\"750\" src=\"https:\/\/www.youtube.com\/embed\/uEdE4TadoY4?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\/shorts\/uEdE4TadoY4\" target=\"_blank\" rel=\"noopener\">\uc2dc\ub098\uc4f0 \uc720\ud29c\ube0c<\/a><\/p>\n\n\n\n<p>2025\ub144\uc5d0\ub294 \uc5ec\ub7ec \ub9ac\uc11c\uce58 \uae30\uad00\uacfc \uc2dc\uc7a5\uc5d0\uc11c <strong>\uc778\uacf5\uc9c0\ub2a5(AI), \ubc18\ub3c4\uccb4, \ud5ec\uc2a4\ucf00\uc5b4, \ud074\ub77c\uc6b0\ub4dc \ub4f1 \uc131\uc7a5 \uc0b0\uc5c5\uc774 \uc720\ub9dd \uc139\ud130\ub85c \uac70\ub860\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/strong> \ub2e4\ub9cc \ud2b9\uc815 \uc139\ud130\uc5d0 \uc62c\uc778\ud558\uae30\ubcf4\ub2e4, ETF \ub4f1\uc744 \ud65c\uc6a9\ud574 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c \uace0\uae08\ub9ac \uae30\uc870\uac00 \uc774\uc5b4\uc9c0\uba74\uc11c <strong>\uc608\uc801\uae08 \uc0c1\ud488\uacfc \ucc44\uad8c ETF<\/strong>\uc758 \uc218\uc775\ub960\uc774 \uac1c\uc120\ub418\uace0, \ub9ac\uce20(REITs) \uc2dc\uc7a5\ub3c4 \ud68c\ubcf5\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadfc 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uac1c\ubcc4 \uc8fc\uc2dd \uc704\uc8fc \ud22c\uc790\uc5d0\uc11c \ubc97\uc5b4\ub098 <strong>\uc790\uc0b0\uad70\uc744 \ub2e4\uc591\ud654\ud558\ub294 \ud750\ub984<\/strong>\uc744 \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub514\uc9c0\ud138 \uc790\uc0b0(\ud1a0\ud070 \uc99d\uad8c, \ucf54\uc778 \ub4f1) \ud22c\uc790\ub3c4 \uad00\uc2ec\uc744 \ubc1b\uc9c0\ub9cc, \uc548\uc815\uc131\uacfc \ubc95\uc801 \ub9ac\uc2a4\ud06c\ub97c \ubc18\ub4dc\uc2dc \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubb34\uc5c7\ubcf4\ub2e4 \ubcc0\ud654\ud558\ub294 \uc2dc\uc7a5 \ud658\uacbd\uc5d0 \ubbfc\ucca9\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc815\ubcf4 \uc2b5\ub4dd\uacfc \ub9ac\ubc38\ub7f0\uc2f1 \ub2a5\ub825\uc774 <strong>\ubbf8\ub798 \uc138\ub300 \uc7ac\ud14c\ud06c\uc758 \uacbd\uc7c1\ub825<\/strong>\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc7a5\uae30\uc801 \uc7ac\ud14c\ud06c \uc131\uacf5\uc744 \uc704\ud55c \ub9c8\uc778\ub4dc\uc14b<\/strong><\/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=\"\ub3c8 \ube68\ub9ac \ubaa8\uc73c\ub294\ubc95 \ud83d\udc4d \ud30c\ud0b9\ud1b5\uc7a5 \ucd94\ucc9c 2025 | \uc801\uae08 \ucd94\ucc9c 2025 \uc608\uae08 cma\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/De7tbN73p0w?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\/watch?v=De7tbN73p0w\" target=\"_blank\" rel=\"noopener\">\uba58\ud1a0\ub9ac<\/a><\/p>\n\n\n\n<p>20\ub300\uc758 \uac00\uc7a5 \ud070 \ubb34\uae30\ub294 \u2018\uc2dc\uac04\u2019\uc785\ub2c8\ub2e4. \ubcf5\ub9ac\uc640 \ud559\uc2b5\uc774 \ub204\uc801\ub420\uc218\ub85d \uc790\uc0b0\uc740 \ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub0a9\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c\ub294 \uc6b4\uc774 \uc544\ub2cc \uc2b5\uad00\uc758 \uacb0\uacfc\uc785\ub2c8\ub2e4.<br><\/p>\n\n\n\n<p>\ub9e4\ub2ec \uc790\uc0b0 \uc810\uac80, \uc218\uc785 \ub300\ube44 \uc9c0\ucd9c \ubd84\uc11d, \uc790\ub3d9 \uc800\ucd95\u00b7\ud22c\uc790 \uc2dc\uc2a4\ud15c \uad6c\ucd95\uc740 \ud544\uc218 \ub8e8\ud2f4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c \uc2e4\ud328\ub97c \ub450\ub824\uc6cc\ud558\uc9c0 \uc54a\uace0, \uadf8 \uacbd\ud5d8\uc744 \ud1b5\ud574 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc9c4\uc815\ud55c \uc131\uc7a5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uacbd\uc81c\uc801 \uc790\uc720\ub294 \ud558\ub8e8\uc544\uce68\uc5d0 \uc644\uc131\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc624\ub298\uc758 \uc791\uc740 \uc2b5\uad00 \ud558\ub098\uac00 10\ub144 \ub4a4 \ub2f9\uc2e0\uc758 \uc7ac\uc815 \ub3c5\ub9bd\uc744 \uacb0\uc815\uc9d3\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u201c\ub3c8\uc744 \ubc84\ub294 \uac83\ubcf4\ub2e4 \ub3c8\uc744 \uad00\ub9ac\ud558\ub294 \uc0ac\ub78c\uc774 \ubd80\uc790\uac00 \ub41c\ub2e4\u201d \u2014 \uc774 \uc6d0\uce59\uc744 \uae30\uc5b5\ud558\uace0, \uc9c0\uae08 \ub2f9\uc7a5 \uccab \uac78\uc74c\uc744 \ub0b4\ub51b\uc5b4 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uacb0\ub860 \u2013 \uade0\ud615 \uc7a1\ud78c \uc7ac\ud14c\ud06c, \uafb8\uc900\ud568\uc774 \ub2f5\uc774\ub2e4<\/strong><\/h2>\n\n\n\n<p>20\ub300 \ub0a8\uc131(\ucde8\uc5c5\uc900\ube44\uc0dd\/\uc0ac\ud68c\ucd08\ub144\uc0dd\/\uad70\ud544 \uc9c1\uc7a5\uc778)\uc5d0\uac8c \uac00\uc7a5 \ud604\uc2e4\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc800\ucd95\uacfc \ud22c\uc790, \ud559\uc2b5\uacfc \uc2e4\ud589\uc744 \ubcd1\ud589\ud558\ub294 \u2018\uade0\ud615\uc758 \uae30\uc220\u2019\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uacfc\uac10\ud558\ub418 \ubb34\ubaa8\ud558\uc9c0 \uc54a\uac8c, \uc2e0\uc911\ud558\ub418 \ub450\ub824\uc6cc\ud558\uc9c0 \uc54a\uac8c \ud589\ub3d9\ud558\uc138\uc694.<\/p>\n\n\n\n<p>\uc2dc\uc791\uc774 \ube60\ub97c\uc218\ub85d \ubcf5\ub9ac\uc758 \ud798\uc740 \uac15\ub825\ud574\uc9c0\uba70, \uafb8\uc900\ud568\uc774 \uacb0\uad6d \uc790\uc0b0\uc758 \ucc28\uc774\ub97c \ub9cc\ub4ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc624\ub298\uc758 1\ub9cc \uc6d0\uc774 \ub0b4\uc77c\uc758 \uc790\uc720\ub97c \ub9cc\ub4e0\ub2e4<\/strong>\ub294 \ubbff\uc74c\uc73c\ub85c, \uc9c0\uae08 \ubc14\ub85c \ub098\ub9cc\uc758 \uc7ac\ud14c\ud06c \uc5ec\uc815\uc744 \uc2dc\uc791\ud574 \ubcf4\uc138\uc694.<\/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\">\uad00\ub828 \uae30\uc0ac<\/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\/2025\/12\/joafinance.com-G-33.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=455\" target=\"_blank\" rel=\"noopener noreferrer\">\u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c\u201d \u2013 \ud380\ub4dc \ub73b\u00b7\uc7a5\ub2e8\uc810\u00b7\uc218\uc218\ub8cc \uad6c\uc870\uae4c\uc9c0 \ubd84\uc11d &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c.\u201d<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\uc7ac\ud14c\ud06c\uc758 \uccab\uac78\uc74c\uc740 \uadf8\uc800 \ub3c8\uc744 \ub9ce\uc774 \ubc84\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \u2018\ub3c8\uc758 \ud750\ub984\uc744 \ud30c\uc545\ud558\uace0 \ud1b5\uc81c\ud558\ub294 \ub2a5\ub825\u2019\uc744 \ud0a4\uc6b0\ub294 \uac83\uc785\ub2c8\ub2e4. 20\ub300 \ub0a8\uc131\uc774\ub77c\uba74 \uc218\uc785\uc758 \ucd5c\uc18c 10~20%\ub97c \uc800\ucd95\ud574 \u2018\ube44\uc0c1\uae08 \uacc4\uc88c\u2019\ub97c \ub9cc\ub4e4\uace0, \ub098\uba38\uc9c0\ub294 \ud22c\uc790 \uacbd\ud5d8\uc744 \uc313\ub294 \ub370 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \ucc98\uc74c\ubd80\ud130 \ud070\ub3c8\uc744 \ud22c\uc790\ud558\uae30\ubcf4\ub2e4\ub294 \uc18c\uc561 \ubd84\ud560 \ud22c\uc790\uc640 \uae08\uc735 \uacf5\ubd80\ub97c \ubcd1\ud589\ud558\uc138\uc694. \uc99d\uad8c\uc0ac \ubaa8\uc758\ud22c\uc790, CMA \uacc4\uc88c\ub97c \ud65c\uc6a9\ud55c \ub2e8\uae30 \uc608\uce58, ETF\u00b7\uc778\ub371\uc2a4\ud380\ub4dc\ub85c\uc758 \ubd84\uc0b0\ud22c\uc790\uac00 \uc88b\uc740 \uc2dc\uc791\uc810\uc785\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 20\ub300 \ub0a8\uc790\ub97c \uc704\ud55c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":333,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/327","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=327"}],"version-history":[{"count":4,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/327\/revisions"}],"predecessor-version":[{"id":744,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/327\/revisions\/744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/333"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}