{"id":455,"date":"2025-12-24T19:51:57","date_gmt":"2025-12-24T10:51:57","guid":{"rendered":"https:\/\/joafinance.com\/?p=455"},"modified":"2026-03-03T17:16:56","modified_gmt":"2026-03-03T08:16:56","slug":"%ed%8e%80%eb%93%9c-%ed%95%98%ec%a7%80%eb%a7%88%eb%9d%bc-%ed%8e%80%eb%93%9c-%eb%9c%bb%eb%b6%80%ed%84%b0-%eb%a6%ac%ec%8a%a4%ed%81%ac%ea%b9%8c%ec%a7%80-%ed%88%ac%ec%9e%90","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=455","title":{"rendered":"\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"},"content":{"rendered":"\n<p>\u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c.\u201d<\/p>\n\n\n\n<p>\ud22c\uc790 \ucee4\ubba4\ub2c8\ud2f0\ub098 \uc7ac\ud14c\ud06c \uce74\ud398\ub97c \uc870\uae08\ub9cc \ub458\ub7ec\ubd10\ub3c4 \uc774\ub7f0 \ub9d0\uc744 \uc27d\uac8c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ubd80\ud130 \uc9c1\uc7a5\uc778 \ud22c\uc790\uc790\uae4c\uc9c0, \ud55c \ubc88\ucbe4\uc740 \uc774 \ubb38\uc7a5\uc744 \ub4e4\uc5b4\ubcf4\uc168\uc744 \uac81\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub7f0\ub370 \uc774 \ub9d0, \uc815\ub9d0 \uc815\ub2f5\uc77c\uae4c\uc694?<\/p>\n\n\n\n<p>\ubb34\uc870\uac74 \ud53c\ud574\uc57c \ud560 \uc0c1\ud488\uc77c\uae4c\uc694? \uc544\ub2c8\uba74 \uc798\ubabb \uc774\ud574\ud55c \ud22c\uc790 \uacbd\ud5d8\uc5d0\uc11c \ub098\uc628 \uacbd\uace0\uc77c\uae4c\uc694?<\/p>\n\n\n\n<p>\uc624\ub298\uc740 \uac10\uc815\uc801\uc778 \ud310\ub2e8\uc774 \uc544\ub2c8\ub77c, <strong>\ud380\ub4dc\ub780 \ubb34\uc5c7\uc778\uc9c0<\/strong>, \uadf8\ub9ac\uace0 \uc65c \u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c\u201d\ub77c\ub294 \ub9d0\uc774 \ub098\uc654\ub294\uc9c0 \uad6c\uc870\uc801\uc73c\ub85c \uc815\ub9ac\ud574\ubcf4\uaca0\uc2b5\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\">\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\/2026\/02\/joafinance.com-G-1.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=631\" target=\"_blank\" rel=\"noopener noreferrer\">\ubc30\ub2f9\uae08\uc73c\ub85c \ub3c8 \ubc84\ub294 \ubc29\ubc95 \u2013 SCHD \ubc30\ub2f9\ub960\uacfc \ubc30\ub2f9 ETF \uad6c\uc870 \uc815\ub9ac &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\ubc30\ub2f9\uae08\uc740 \uc8fc\uc2dd \ud22c\uc790\uc5d0\uc11c \uc548\uc815\uc801 \ud604\uae08 \ud750\ub984\uc744 \ub9cc\ub4dc\ub294 \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4.\u00a0<\/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\">\ud380\ub4dc \ub73b\ubd80\ud130 \ub2e4\uc2dc \uc9da\uc5b4\uc57c \ud558\ub294 \uc774\uc720<\/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=\"\ud380\ub4dc\ub780 \ubb34\uc5c7\uc77c\uae4c?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/JtdgYrraEjc?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 target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.youtube.com\/watch?v=JtdgYrraEjc\">3\ubd84\ucc28\uc774<\/a>)<\/p>\n\n\n\n<p>\ud380\ub4dc \ub73b\uc740 \uac04\ub2e8\ud788 \ub9d0\ud574 \uc5ec\ub7ec <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/joafinance.com\/?p=327\">\ud22c\uc790\uc790\uc758 \uc790\uae08<\/a>\uc744 \ubaa8\uc544 \uc804\ubb38 \uc6b4\uc6a9\uc0ac\uac00 \ub300\uc2e0 \ud22c\uc790\ud558\uace0 \uc6b4\uc6a9\ud558\ub294 \uae08\uc735 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uac1c\uc778\uc774 \uc9c1\uc811 \uc8fc\uc2dd\uc774\ub098 \ucc44\uad8c\uc744 \uace0\ub974\uc9c0 \uc54a\uace0 \uc2e0\ub8b0\ubc1b\ub294 \uc6b4\uc6a9\uc0ac\uc5d0\uac8c \ub3c8\ub9cc \ub9e1\uae30\uba74 \ub41c\ub2e4\ub294 \uc810\uc5d0\uc11c \uc811\uadfc\uc131\uc774 \ub192\uace0, \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc774 \uc7a5\uc810\uc73c\ub85c \uaf3d\ud600\uc654\ub294\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ubb38\uc81c\ub294 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4 \ub300\ubd80\ubd84\uc774 \uc774\ub7ec\ud55c \uad6c\uc870\ub97c \ub108\ubb34 \uc2ec\ud50c\ud558\uac8c \ubc1b\uc544\ub4e4\uc600\ub2e4\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud380\ub4dc\ub97c \u2018\uc548\uc804\ud55c \uc0c1\ud488\u2019 \ud639\uc740 \u2018\uc804\ubb38\uac00\uac00 \uc54c\uc544\uc11c \ub3c8\uc744 \ubd88\ub824\uc8fc\ub294 \uc0c1\ud488\u2019\uc73c\ub85c \uc624\ud574\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc558\ub294\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\uc2e4\uc81c\ub85c \ud380\ub4dc\ub294 \uc608\uae08\uc774 \uc544\ub2c8\uba70, \uc6d0\uae08 \uc190\uc2e4\uc758 \ub9ac\uc2a4\ud06c \uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc774 \uae30\ubcf8 \uac1c\ub150\uc744 \ucda9\ubd84\ud788 \uc774\ud574\ud558\uc9c0 \ubabb\ud55c \ucc44 \uac00\uc785\ud588\uace0, \uae30\ub300 \uc218\uc775\uacfc \uc2e4\uc81c \uacb0\uacfc \uc0ac\uc774\uc5d0\uc11c \ud070 \ucc28\uc774\ub97c \uacbd\ud5d8\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2018\ud380\ub4dc \ud558\uc9c0\ub9c8\ub77c\u2019\ub77c\ub294 \ub9d0\uc774 \uc0dd\uaca8\ub09c \ud604\uc2e4\uc801 \ubc30\uacbd<\/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=\"\ud380\ub4dc\ub294 \uc774\ub798\uc11c \ud558\uba74 \uc548 \ub3fc\uc694 &#039;\ud380\ub4dc \ud22c\uc790\uc758 \ucd5c\ub300 \ub2e8\uc810&#039;\" width=\"422\" height=\"750\" src=\"https:\/\/www.youtube.com\/embed\/ELK0e4Tye5s?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 target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.youtube.com\/shorts\/ELK0e4Tye5s\">\uc7a5\ud76c\ucc2c(hee_chan)_ETF \uc77d\ub294 \uc2dc\uac04<\/a>)<\/p>\n\n\n\n<p>\u2018\ud380\ub4dc \ud558\uc9c0\ub9c8\ub77c\u2019\ub77c\ub294 \ub9d0\uc740 \uc720\ud589\uc5b4\uac00 \uc544\ub2c8\ub77c, \uccb4\ud5d8\uc5d0\uc11c \ube44\ub86f\ub41c \uacbd\uace0\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>2000\ub144\ub300 \uc911\ubc18, \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc740\ud589\uc774\ub098 \uc99d\uad8c\uc0ac\uc758 \uc124\uba85 \ub9cc\uc73c\ub85c \ud380\ub4dc\uc5d0 \uac00\uc785\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub2f9\uc2dc\uc5d0\ub294 \u201c\uc7a5\uae30 \ud22c\uc790\ud558\uba74 \uc218\uc775 \ub09c\ub2e4\u201d\ub294 \ub9d0\uc774 \uc790\uc5f0\uc2a4\ub7fd\uac8c \ubc1b\uc544\ub4e4\uc5ec\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uacb0\uacfc\ub294 \ub2ec\ub790\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2dc\uc7a5 \uae08\ub9ac \uc62c\ub790\ub294\ub370 \ub0b4 \ud380\ub4dc\ub294 \uc81c\uc790\ub9ac<\/li>\n\n\n\n<li>5\ub144 \ub118\uac8c \ubb36\uc5b4\ub1a8\ub294\ub370 \uc218\uc775\ub960 \ubbf8\ubbf8<\/li>\n\n\n\n<li>\uc2ec\uc9c0\uc5b4 \uc190\uc2e4 \uc0c1\ud0dc\ub85c \uc7a5\uae30 \ubcf4\uc720<\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub7f0 \uacbd\ud5d8\uc774 \ub204\uc801\ub418\uba74\uc11c \u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c\u201d\ub77c\ub294 \ub9d0\uc774 \ud37c\uc9c0\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubb38\uc81c\ub294 \uc0c1\ud488 \uc790\uccb4\ub77c\uae30\ubcf4\ub2e4, <strong>\uc774\ud574 \uc5c6\uc774 \uac00\uc785\ud55c \uad6c\uc870<\/strong>\uc5d0 \uc788\uc5c8\uc8e0.<\/p>\n\n\n\n<p>\uc774 \uacfc\uc815\uc5d0\uc11c \uc6b4\uc6a9\uc0ac\ub3c4 \uacb0\uad6d\uc5d4 \uc0ac\ub78c\uc774 \ud22c\uc790\ud558\ub294 \uad6c\uc870\uc774\uae30 \ub54c\ubb38\uc5d0 \u201c\uc804\ubb38\uac00\uc5d0\uac8c \ub9e1\uacbc\ub294\ub370 \uc65c \uc774 \ubaa8\uc591\uc774\ub0d0\u201d\ub294 \ubd88\ub9cc\uc774 \uc313\uc600\ub294\ub370\uc694.<\/p>\n\n\n\n<p>\uc774\ub7f0 \uacbd\ud5d8\uc774 \ubc18\ubcf5\ub418\uba74\uc11c \ud380\ub4dc \uc804\uccb4\uc5d0 \ub300\ud55c \ubd88\uc2e0\uc774 \ud655\uc0b0\ub418\uc5c8\uace0, \uadf8 \uacb0\uacfc\uac00 \ubc14\ub85c \u2018\ud380\ub4dc \ud558\uc9c0\ub9c8\ub77c\u2019\ub77c\ub294 \uc9c1\uc124\uc801\uc778 \ud45c\ud604\uc73c\ub85c \ub098\ud0c0\ub09c \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud380\ub4dc \ud22c\uc790 \uc218\uc775\uc744 \uc7a0\uc2dd\ud558\ub294 \uc218\uc218\ub8cc\uc758 \uad6c\uc870<\/h3>\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=\"\ud380\ub4dc \uae30\ucd08! \uc218\uc218\ub8cc, \ubcf4\uc218 3\ubd84 \ucd1d \uc815\ub9ac! \uc774\uac70 \ud558\ub098\uba74 \uc774\ud574 \ub05d!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/eP9uEnBhkzw?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 target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.youtube.com\/watch?v=eP9uEnBhkzw\">David Lee<\/a>)<\/p>\n\n\n\n<p>\ud380\ub4dc \ud22c\uc790\uc5d0\uc11c \uac00\uc7a5 \uac04\uacfc\ub418\uae30 \uc26c\uc6b4 \uc694\uc18c\uc774\uba74\uc11c \uc790\uce6b \uc2e4\uc218\ub85c \uc11c\uba85\ud560 \uc218 \uc788\ub294 \ubd80\ubd84\uc774 \ud380\ub4dc \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubcf4\ud1b5 \ub2e4\uc74c\uacfc \uac19\uc740 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud310\ub9e4 \uc218\uc218\ub8cc<\/li>\n\n\n\n<li>\uc6b4\uc6a9 \ubcf4\uc218<\/li>\n\n\n\n<li>\ud658\ub9e4 \uc218\uc218\ub8cc<\/li>\n<\/ul>\n\n\n\n<p>\ud2b9\ud788 \uc6b4\uc6a9 \ubcf4\uc218\ub294 \uc218\uc775\uc774 \ub098\ub4e0 \uc190\uc2e4\uc774 \ub098\ub4e0 \uacc4\uc18d \ube60\uc838\ub098\uac11\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uc218\uc218\ub8cc\ub294 \uc218\uc775\uc774 \ub098\ub4e0 \uc190\uc2e4\uc774 \ub098\ub4e0 \uc0c1\uad00\uc5c6\uc774 \uafb8\uc900\ud788 \ucc28\uac10\ub418\ub294\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 \uc5f0 7% \uc218\uc775\uc774 \ub098\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc6b4\uc6a9 \ubcf4\uc218\uac00 1.5%\ub77c\uba74, \uc2e4\uc81c \uccb4\uac10 \uc218\uc775\uc740 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc7a5\uae30 \ud22c\uc790\uc77c\uc218\ub85d \uc774 \ucc28\uc774\ub294 \ubcf5\ub9ac\ub85c \ud655\ub300\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2dc\uc7a5 \ud3c9\uade0 \uc218\uc775\ub960\uacfc \ube44\uad50\ud588\uc744 \ub54c \ud380\ub4dc \uc131\uacfc\uac00 \ub4a4\ucc98\uc9c0\ub294 \uac00\uc7a5 \ud070 \uc774\uc720 \uc911 \ud558\ub098\ub3c4 \ubc14\ub85c \uc774 \uc218\uc218\ub8cc \uad6c\uc870\uc778\ub370\uc694.<\/p>\n\n\n\n<p>\uc774 \uc9c0\uc810\uc744 \uacbd\ud5d8\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \u201c\ucc28\ub77c\ub9ac \uc9c1\uc811 \ud22c\uc790\ud560 \uac78\u201d\uc774\ub77c\uba70 \u2018\ud380\ub4dc \ud558\uc9c0\ub9c8\ub77c\u2019\ub77c\ub294 \ub9d0\uc744 \ud558\uac8c \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc6b4\uc6a9 \uc131\uacfc\uac00 \uc0ac\ub78c\uc5d0\uac8c \ub2ec\ub824 \uc788\ub2e4\ub294 \ud55c\uacc4<\/h3>\n\n\n\n<p>\ud380\ub4dc\ub294 \uc6b4\uc6a9\uc0ac(\ud380\ub4dc\ub9e4\ub2c8\uc800)\uac00 \uc6b4\uc6a9\ud569\ub2c8\ub2e4. \uc989, \ud380\ub4dc\ub9e4\ub2c8\uc800\uc758 \ud310\ub2e8\uacfc \uc804\ub7b5\uc774 \uc131\uacfc\ub97c \uc88c\uc6b0\ud558\uac8c \ub418\ub294\ub370\uc694.<\/p>\n\n\n\n<p>\ubb38\uc81c\ub294 \uc774 \ud310\ub2e8\uc774 \ud56d\uc0c1 \uc633\uc744 \uc218 \uc5c6\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9e4\ub2c8\uc800 \uad50\uccb4<\/li>\n\n\n\n<li>\ud22c\uc790 \uc804\ub7b5 \ubcc0\uacbd<\/li>\n\n\n\n<li>\uc2dc\uc7a5 \ub300\uc751 \uc2e4\ud328<\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub7f0 \ubcc0\uc218\ub4e4\uc740 \ud22c\uc790\uc790\uac00 \ud1b5\uc81c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubc18 \ud22c\uc790\uc790\ub294 \uc774\ub7ec\ud55c \ub0b4\ubd80 \ubcc0\ud654\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ud30c\uc545\ud558\uae30 \uc5b4\ub835\uace0, \uc774\ubbf8 \uc131\uacfc\uac00 \ub098\ube60\uc9c4 \ub4a4\uc5d0\uc57c \uc54c\uac8c \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc740\ub370\uc694.<\/p>\n\n\n\n<p>\uc774\ub7f0 \uad6c\uc870\uc801 \ud55c\uacc4\ub294 \ud380\ub4dc\ub97c \u2018\ubd88\ud655\uc2e4\ud55c \uc0c1\ud488\u2019\uc73c\ub85c \uc778\uc2dd\ud558\uac8c \ub9cc\ub4ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uac1c\ubcc4 \uc8fc\uc2dd\uc740 \ubcf8\uc778\uc774 \uc120\ud0dd\ud588\ub2e4\ub294 \ucc45\uc784\uac10\uc774 \uc788\uc9c0\ub9cc, \ud380\ub4dc\ub294 \u201c\uc804\ubb38\uac00\uc5d0\uac8c \ub9e1\uacbc\ub294\ub370 \uc65c \uc774\ub7ec\uc9c0?\u201d\ub77c\ub294 \uc2ec\ub9ac\uac00 \uc0dd\uae30\uace0, \uadf8 \uc2e4\ub9dd\uac10\uc774 \ub354 \ud06c\uac8c \ub290\uaef4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud658\ub9e4 \uc81c\ud55c\uacfc \uc720\ub3d9\uc131 \ubb38\uc81c\uc758 \ud604\uc2e4<\/h3>\n\n\n\n<p><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/joafinance.com\/?p=536\">\uc8fc\uc2dd\uc740 \uc2dc\uc7a5\uc5d0\uc11c \ubc14\ub85c \ub9e4\ub3c4<\/a>\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ud380\ub4dc\ub294 \uadf8\ub807\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ud380\ub4dc\ub294 \ud658\ub9e4 \uc2e0\uccad \ud6c4 \uba70\uce60\uc774 \uac78\ub9ac\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc77c\ubd80 \uc0c1\ud488\uc740 \ud2b9\uc815 \uae30\uac04 \ud658\ub9e4\uac00 \uc81c\ud55c\ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae09\ud558\uac8c \uc790\uae08\uc774 \ud544\uc694\ud560 \ub54c \ubc14\ub85c \ud604\uae08\ud654\ud558\uc9c0 \ubabb\ud55c\ub2e4\ub294 \uc810\uc740 \uc0dd\uac01\ubcf4\ub2e4 \ud070 \uc2a4\ud2b8\ub808\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc774 \uc810\uc744 \uc0ac\uc804\uc5d0 \ucda9\ubd84\ud788 \uc124\uba85\ubc1b\uc9c0 \ubabb\ud55c \uacbd\uc6b0, \ud380\ub4dc\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub294 \ud06c\uac8c \ud754\ub4e4\ub9ac\uac8c \ub418\uace0,<br>|\uc774\ub7f0 \uacbd\ud5d8\uc774 \uc313\uc77c\uc218\ub85d \ud380\ub4dc\ub9e4\ub2c8\uc800\ub4e4\uc5d0 \uac1c\uc778 \uc790\uc0b0\uc744 \ub9e1\uae30\ub294 \uacbd\ud5d8\uc774 \ubd88\uc548\uc815\ud558\uac8c \ub290\uaef4\uc9d1\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uadf8\ub807\ub2e4\uba74 \ud380\ub4dc\ub780 \ubaa8\ub450 \ub098\uc05c \uc0c1\ud488\uc77c\uae4c\uc694?<\/h2>\n\n\n\n<p>\uc5ec\uae30\uc11c \uc911\uc694\ud55c \uc9c8\ubb38\uc774 \ub098\uc635\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc815\ub9d0 \ud380\ub4dc\ub294 \ud53c\ud574\uc57c \ud560 \uc0c1\ud488\uc77c\uae4c\uc694?<\/p>\n\n\n\n<p>\uadf8\ub807\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud380\ub4dc\ub780 \uad6c\uc870\uc801\uc73c\ub85c \u201c\ubd84\uc0b0 \ud22c\uc790\u201d\ub77c\ub294 \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778\uc774 \uc9c1\uc811 \uae00\ub85c\ubc8c \ucc44\uad8c, \ud574\uc678 \uc8fc\uc2dd, \ub300\uccb4 \uc790\uc0b0 \ub4f1\uc5d0 \ud22c\uc790\ud558\uae30\ub294 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774 \uc5ed\ud560\uc744 \ub300\uc2e0\ud574\uc8fc\ub294 \uac83\uc774 \ud380\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubb38\uc81c\ub294 \u2018\uc5b4\ub5a4 \ud380\ub4dc\uc778\uc9c0\u2019, \u2018\ube44\uc6a9 \uad6c\uc870\ub294 \uc5b4\ub5a4\uc9c0\u2019, \u2018\uc6b4\uc6a9 \uc804\ub7b5\uc740 \ubb34\uc5c7\uc778\uc9c0\u2019\ub97c \ubaa8\ub978 \ucc44 \uac00\uc785\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc0c1\uc7a5\uc9c0\uc218 \ud380\ub4dc\ub294 \uc65c \ub2e4\ub978 \ud3c9\uac00\ub97c \ubc1b\uc744\uae4c<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/image-7-7-789x1024.jpg.webp\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98:<a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/blog.naver.com\/rallycostan\/224104053275\">\ub124\uc774\ubc84\ube14\ub85c\uadf8<\/a>)<\/p>\n\n\n\n<p>\uadf8\ub7fc\uc5d0\ub3c4 \ud380\ub4dc\uac00 \ud765\ubbf8\ub85c\uc6b4 \uc810\uc740 \ud380\ub4dc\ub97c \ube44\ud310\ud558\ub294 \uc0ac\ub78c\ub4e4\uc870\ucc28 \uc0c1\uc7a5\uc9c0\uc218 \ud380\ub4dc(ETF)\uc5d0\ub294 \ube44\uad50\uc801 \uae0d\uc815\uc801\uc778 \ud3c9\uac00\ub97c \ub0b4\ub9b0\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc0c1\uc7a5\uc9c0\uc218 \ud380\ub4dc\ub294 \ud2b9\uc815 \uc9c0\uc218\ub97c \uadf8\ub300\ub85c \ucd94\uc885\ud558\ub3c4\ub85d \uac1c\uc778(\ud380\ub4dc\ub9e4\ub2c8\uc800)\uc758 \uc758\uacac\uacfc \uc120\ud0dd\uc774 \uc601\ud5a5\uc744 \uc904 \uc218 \uc5c6\ub3c4\ub85d \uc790\uc720\ub86d\uac8c \uc124\uacc4\ub41c \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub807\uae30\uc5d0 \uc77c\ubc18 \ud380\ub4dc\uc640\ub294 \ucc28\uc774\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc9c0\uc218\ub97c \uadf8\ub300\ub85c \ucd94\uc885<\/li>\n\n\n\n<li>\uc6b4\uc6a9 \ubcf4\uc218 \ub0ae\uc74c<\/li>\n\n\n\n<li>\uc8fc\uc2dd\ucc98\ub7fc \uc2e4\uc2dc\uac04 \ub9e4\ub9e4 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p>\uc989, \uc0ac\ub78c\uc758 \uc7ac\ub7c9\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \ube44\uc6a9\uc744 \ub0ae\ucd98 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \ub54c\ubb38\uc5d0 \uc0c1\uc7a5\uc9c0\uc218 \ud380\ub4dc\ub294 \u201c\ud380\ub4dc\uc758 \ub2e8\uc810\uc744 \uc904\uc774\uace0 \uc7a5\uc810\uc744 \ubd80\uac01\ud55c \ud615\ud0dc\u201d\ub85c \uc778\uc2dd\ub418\uba70, \uc7a5\uae30 \ud22c\uc790 \uc218\ub2e8\uc73c\ub85c \uafb8\uc900\ud788 \uc5b8\uae09\ub418\ub294\ub370\uc694.<\/p>\n\n\n\n<p>\ubaa8\ub4e0 \ud380\ub4dc\ub97c \ud1b5\uc9f8\ub85c \ubd80\uc815\ud558\uae30 \ubcf4\ub2e4\ub294 \ub2e4\uc591\ud55c \ud380\ub4dc\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \uc0c1\ud488\uc758 \uad6c\uc870\ub97c \ubd84\uc11d\ud574 \ud22c\uc790\ud574\uc57c\ud568\uc744 \uc554\uc2dc\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc7a5\uae30\uc801\uc778 \ud380\ub4dc \ud22c\uc790, \uc815\ub9d0 \ubd88\ub9ac\ud560\uae4c<\/h3>\n\n\n\n<p>\ud380\ub4dc\ub294 \ud754\ud788 \uc7a5\uae30 \ud22c\uc790\uc5d0 \uc801\ud569\ud558\ub2e4\uace0 \uc124\uba85\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc2e4\uc81c\ub85c\ub294 \uc7a5\uae30 \ud22c\uc790\uc77c\uc218\ub85d \ud380\ub4dc\uc758 \ub2e8\uc810\uc774 \ub354 \ud06c\uac8c \ub4dc\ub7ec\ub098\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uc6b4\uc6a9 \ubcf4\uc218\uc640 \uac01\uc885 \uc218\uc218\ub8cc\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \ub204\uc801\ub418\uba70, \uc774\ub294 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud06c\uac8c \ud6fc\uc190\ud558\ub294\ub370\uc694.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc2dc\uc7a5 \ud3c9\uade0 \uc218\uc775\ub960\uc774 \uc5f0 7~8% \uc218\uc900\uc77c \ub54c, \uc218\uc218\ub8cc\ub85c 1~2%\uac00 \ube60\uc838\ub098\uac04\ub2e4\uba74 \uccb4\uac10 \uc218\uc775\uc740 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc774\ub7f0 \uad6c\uc870\ub97c \uacbd\ud5d8\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \u201c\uc7a5\uae30\uc77c\uc218\ub85d \ud380\ub4dc\uac00 \uc190\ud574\u201d\ub77c\uace0 \ub290\ub07c\uac8c \ub418\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub807\uae30\uc5d0 \ud380\ub4dc\uc5d0 \ub300\ud55c \ubd80\uc815\uc801\uc778 \ub9ac\ubdf0\ub4e4\uc740 \uc7a5\uae30 \ubcf5\ub9ac \uad00\uc810\uc5d0\uc11c \ub098\uc628 \uacc4\uc0b0 \uacb0\uacfc\ub85c \ud574\uc11d\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc740\ud589\u00b7\uc99d\uad8c\uc0ac \ucd94\ucc9c \ud380\ub4dc\ub97c \uadf8\ub300\ub85c \ubbff\uc5b4\ub3c4 \ub420\uae4c<\/h2>\n\n\n\n<p>\ud380\ub4dc \ud22c\uc790 \uacbd\ud5d8\uc790\ub4e4\uc774 \u201c\ud380\ub4dc \ud558\uc9c0\ub9c8\ub77c\u201d\ub77c\ub294 \ub9d0\uc744 \ud558\uac8c \ub418\ub294 \ub610 \ud558\ub098\uc758 \uc774\uc720\ub294 \ud310\ub9e4 \uad6c\uc870\uc5d0 \ub300\ud55c \ubd88\uc2e0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc740\ud589\uc774\ub098 \uc99d\uad8c\uc0ac \ucc3d\uad6c\uc5d0\uc11c \ucd94\ucc9c\ubc1b\ub294 \ud380\ub4dc\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \uc0c1\ud488\uc774\ub77c\uae30\ubcf4\ub2e4, \ud310\ub9e4\uc0ac \uc785\uc7a5\uc5d0\uc11c \uc218\uc218\ub8cc\uac00 \uc720\ub9ac\ud55c \uc0c1\ud488\uc778 \uacbd\uc6b0\ub3c4 \uc801\uc9c0 \uc54a\uc740\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\uc774 \uacfc\uc815\uc5d0\uc11c \ud380\ub4dc \ub73b\uacfc \uad6c\uc870, \ub9ac\uc2a4\ud06c\ub294 \ucda9\ubd84\ud788 \uc124\uba85\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uace0, \uc774\ud6c4 \uc131\uacfc\uac00 \uae30\ub300\uc5d0 \ubabb \ubbf8\uce58\uba74 \uc2e4\ub9dd\uac10\uc740 \ub354 \ucee4\uc9c0\ub294\ub370\uc694.<\/p>\n\n\n\n<p>\uc774\ub7f0 \uacbd\ud5d8\uc774 \ubc18\ubcf5\ub418\uba74\uc11c \u2018\ucd94\ucc9c\ubc1b\uc740 \ud380\ub4dc=\uc190\ud574\u2019\ub77c\ub294 \uc778\uc2dd\uc774 \uad73\uc5b4\uc84c\uace0, \uadf8 \uacb0\uacfc\uac00 \ubc14\ub85c \u2018\ud380\ub4dc \ud558\uc9c0\ub9c8\ub77c\u2019\ub77c\ub294 \ub9d0\ub85c \uc774\uc5b4\uc9c0\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd08\ubcf4 \ud22c\uc790\uc790\ub294 \u201c\uc548\uc815\uc801\uc774\ub2e4\u201d, \u201c\ub9ce\uc774 \uac00\uc785\ud588\ub2e4\u201d\ub294 \ub9d0\uc5d0 \uc27d\uac8c \uc124\ub4dd\ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc911\uc694\ud55c \uac83\uc740 \uc124\uba85\uc758 \uae4a\uc774\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc218\uc218\ub8cc\ub294 \uc5bc\ub9c8\uc778\uc9c0<\/li>\n\n\n\n<li>\ud658\ub9e4 \uc870\uac74\uc740 \uc5b4\ub5a4\uc9c0<\/li>\n\n\n\n<li>\uc6b4\uc6a9 \uc804\ub7b5\uc740 \ubb34\uc5c7\uc778\uc9c0<\/li>\n<\/ul>\n\n\n\n<p>\uc774 \uc9c8\ubb38\uc744 \ud558\uc9c0 \uc54a\uc73c\uba74, \uacb0\uacfc\ub294 \uc6b4\uc5d0 \uac00\uae4c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud380\ub4dc\uac00 \ub9de\ub294 \uc0ac\ub78c vs \ub9de\uc9c0 \uc54a\ub294 \uc0ac\ub78c<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"966\" height=\"966\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/u4213318478_A_Korean_investor_checking_stock_trading_app_real_ec542cb2-ddcd-.jpg\" alt=\"\" class=\"wp-image-688\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/u4213318478_A_Korean_investor_checking_stock_trading_app_real_ec542cb2-ddcd-.jpg 966w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/u4213318478_A_Korean_investor_checking_stock_trading_app_real_ec542cb2-ddcd--300x300.jpg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/u4213318478_A_Korean_investor_checking_stock_trading_app_real_ec542cb2-ddcd--150x150.jpg 150w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/12\/u4213318478_A_Korean_investor_checking_stock_trading_app_real_ec542cb2-ddcd--768x768.jpg 768w\" sizes=\"(max-width: 966px) 100vw, 966px\" \/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98:<a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/blog.naver.com\/doomaker\/223995830905\">\ub124\uc774\ubc84\ube14\ub85c\uadf8<\/a>)<\/p>\n\n\n\n<p>\ubaa8\ub4e0 \ud22c\uc790 \uc0c1\ud488\uc774 \uadf8\ub807\ub4ef, \ud380\ub4dc\ub294 \uc131\ud5a5\uc758 \ubb38\uc81c\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc9c1\uc811 \uc885\ubaa9\uc744 \ubd84\uc11d\ud558\uace0 \uc2f6\uc740 \uc0ac\ub78c<\/li>\n\n\n\n<li>\uc218\uc775\ub960\uc744 \uc790\uc8fc \ud655\uc778\ud558\ub294 \uc0ac\ub78c<\/li>\n\n\n\n<li>\ub2e8\uae30 \ubcc0\ub3d9\uc5d0 \ubbfc\uac10\ud55c \uc0ac\ub78c<\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub7f0 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ub2f5\ub2f5\ud55c \uc0c1\ud488\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubc18\ub300\ub85c,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc790\ub3d9 \ubd84\uc0b0\uc744 \uc6d0\ud558\uace0<\/li>\n\n\n\n<li>\uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ub9e1\uae30\uace0<\/li>\n\n\n\n<li>\ub2e8\uae30 \ubcc0\ub3d9\uc5d0 \ud06c\uac8c \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \uc0ac\ub78c<\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub7f0 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ud558\ub098\uc758 \uc120\ud0dd\uc9c0\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc911\uc694\ud55c \uac83\uc740 \uc0c1\ud488\uc758 \uc6b0\uc5f4\uc774 \uc544\ub2c8\ub77c \ud22c\uc790\uc790 \uc131\ud5a5\uacfc\uc758 \uad81\ud569\uc778\ub370\uc694.<\/p>\n\n\n\n<p>\ubcf8\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uace0 \uc810\uac80\ud574\uc11c \uc120\ud0dd \uacfc\uc815\uc5d0\uc11c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud574 \uc790\uc0b0\uc5d0 \ud06c\uac8c \uc601\ud5a5\uc744 \ub07c\uce58\ub294 \uacbd\uc6b0\ub97c \ubc29\uc9c0\ud574\uc57c\uaca0\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac<\/h2>\n\n\n\n<p>\u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c\u201d\ub294 \ub9d0\uc740 \ud380\ub4dc\ub97c \ubb34\uc870\uac74 \ud53c\ud558\ub77c\ub294 \ub73b\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ud574 \uc5c6\uc774 \ud22c\uc790\ud558\uc9c0 \ub9d0\ub77c\ub294 \uacbd\uace0\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud380\ub4dc \ub73b\uacfc \uad6c\uc870, \ube44\uc6a9, \ub9ac\uc2a4\ud06c\ub97c \uc774\ud574\ud558\uace0 \uc120\ud0dd\ud55c\ub2e4\uba74 \ud380\ub4dc\ub294 \uc5ec\uc804\ud788 \ud65c\uc6a9 \uac00\ub2a5\ud55c \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc800\ube44\uc6a9 \uad6c\uc870\uc758 \uc0c1\ud488\uc740 \uc7a5\uae30 \uc790\uc0b0 \ubc30\ubd84 \uc218\ub2e8\uc774 \ub420 \uc218 \uc788\uc8e0.<\/p>\n\n\n\n<p>\uacb0\uad6d \ud22c\uc790\uc758 \ud575\uc2ec\uc740 \uc0c1\ud488\uc774 \uc544\ub2c8\ub77c, <strong>\uc5bc\ub9c8\ub098 \uc54c\uace0 \uc120\ud0dd\ud558\ub290\ub0d0<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\uae08 \uac00\uc785\ud558\ub824\ub294 \ud380\ub4dc, \uc815\ub9d0 \uad6c\uc870\ub97c \uc774\ud574\ud558\uace0 \uacc4\uc2e0\uac00\uc694?<\/p>\n\n\n\n<p>\uadf8 \uc9c8\ubb38\ubd80\ud130 \uc2dc\uc791\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>\u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c.\u201d \ud22c\uc790 \ucee4\ubba4\ub2c8\ud2f0\ub098 \uc7ac\ud14c\ud06c \uce74\ud398\ub97c \uc870\uae08\ub9cc \ub458\ub7ec\ubd10\ub3c4 \uc774\ub7f0 \ub9d0\uc744 \uc27d\uac8c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ubd80\ud130 \uc9c1\uc7a5\uc778 \ud22c\uc790\uc790\uae4c\uc9c0, \ud55c \ubc88\ucbe4\uc740 \uc774 \ubb38\uc7a5\uc744 \ub4e4\uc5b4\ubcf4\uc168\uc744 \uac81\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \uc774 \ub9d0, \uc815\ub9d0 \uc815\ub2f5\uc77c\uae4c\uc694? \ubb34\uc870\uac74 \ud53c\ud574\uc57c \ud560 \uc0c1\ud488\uc77c\uae4c\uc694? \uc544\ub2c8\uba74 \uc798\ubabb \uc774\ud574\ud55c \ud22c\uc790 \uacbd\ud5d8\uc5d0\uc11c \ub098\uc628 \uacbd\uace0\uc77c\uae4c\uc694? \uc624\ub298\uc740 \uac10\uc815\uc801\uc778 \ud310\ub2e8\uc774 \uc544\ub2c8\ub77c, \ud380\ub4dc\ub780 \ubb34\uc5c7\uc778\uc9c0, \uadf8\ub9ac\uace0 \uc65c \u201c\ud380\ub4dc \ud558\uc9c0 \ub9c8\ub77c\u201d\ub77c\ub294 \ub9d0\uc774 \ub098\uc654\ub294\uc9c0 \uad6c\uc870\uc801\uc73c\ub85c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-455","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\/455","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=455"}],"version-history":[{"count":3,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/455\/revisions"}],"predecessor-version":[{"id":689,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/455\/revisions\/689"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/461"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}