{"id":72,"date":"2025-07-22T17:33:27","date_gmt":"2025-07-22T08:33:27","guid":{"rendered":"https:\/\/joafinance.com\/?p=72"},"modified":"2026-03-23T18:13:48","modified_gmt":"2026-03-23T09:13:48","slug":"isa-%ea%b3%84%ec%a2%8c-%eb%8b%a8%ec%a0%90-%eb%b0%8f-%ec%9e%a5%ec%a0%90-%ec%b4%9d%ec%a0%95%eb%a6%ac-isa-%ea%b3%84%ec%a2%8c-%ec%a2%85%eb%a5%98%ec%99%80-%ed%8a%b9%ec%a7%95-%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=72","title":{"rendered":"ISA \uacc4\uc88c \ub2e8\uc810\uacfc \uc7a5\uc810 \ucd1d\uc815\ub9ac \u2013 \uc885\ub958\u00b7\uc138\uc81c\ud61c\ud0dd\u00b7\uc6b4\uc6a9\uc804\ub7b5 \ud55c \ubc88\uc5d0"},"content":{"rendered":"\n<p>\ucd5c\uadfc \ub4e4\uc5b4 \uc138\uae08 \uc808\uac10\uacfc \uc790\uc0b0 \uad00\ub9ac\uc5d0 \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uba74\uc11c <strong>ISA \uacc4\uc88c(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)<\/strong> \uac00 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\ub098\uc758 \uacc4\uc88c\ub85c \uc608\uae08, \ud380\ub4dc, ETF, \ucc44\uad8c \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud1b5\ud569 \uad00\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uc77c\uc815 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c <strong>\ube44\uacfc\uc138 \ud61c\ud0dd<\/strong>\uae4c\uc9c0 \uc81c\uacf5\ub41c\ub2e4\ub294 \uc810\uc774 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub098 \ud22c\uc790 \ucd08\ubcf4\uc790\uc5d0\uac8c ISA\ub294 <strong>\u2018\uc808\uc138\ud615 \ud22c\uc790 \uc785\ubb38 \uacc4\uc88c\u2019<\/strong> \ub85c \uc778\uae30\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ubaa8\ub4e0 \ud22c\uc790 \uc0c1\ud488\uc774 \uadf8\ub807\ub4ef, ISA\uc5d0\ub3c4 \ubd84\uba85\ud55c <strong>\ud55c\uacc4\uc640 \uc8fc\uc758\uc0ac\ud56d<\/strong>\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 ISA \uacc4\uc88c\uc758 \uc7a5\ub2e8\uc810\ubd80\ud130 \uacc4\uc88c \uc720\ud615\ubcc4 \ud2b9\uc9d5, \uac00\uc785 \uc804 \uaf2d \uc54c\uc544\uc57c \ud560 \uc870\uac74, \uadf8\ub9ac\uace0 <a href=\"https:\/\/joafinance.com\/?p=270\">\uc0ac\ud68c\ucd08\ub144\uc0dd<\/a>\uc744 \uc704\ud55c \ud65c\uc6a9 \ud301\uae4c\uc9c0 \uc815\ub9ac\ud588\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\">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\/2025\/11\/joafinance.com-G-21.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=327\" target=\"_blank\" rel=\"noopener noreferrer\">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 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\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.<\/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\">ISA\uacc4\uc88c\ub780?<\/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=\"ISA \uacc4\uc88c \uc9c0\uae08 \ub2f9\uc7a5 \ub9cc\ub4e4\uc5b4\uc57c\ud569\ub2c8\ub2e4\u3163\ub098\uc218\uc9c0\uc758 \uae00\ub85c\ubc8cETF\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/wZk9NfqbW4c?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=wZk9NfqbW4c\">\ud55c\uacbd \ucf54\ub9ac\uc544\ub9c8\ucf13<\/a><\/p>\n\n\n\n<p>ISA\ub294 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud55c \uacc4\uc88c\uc5d0\uc11c \uc6b4\uc6a9\ud558\uba70 \uc190\uc775\ud1b5\uc0b0\u00b7\ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc744 \uc8fc\ub294<strong> \uc885\ud569\uacc4\uc88c<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc601\uc5b4\ub85c\ub294 <strong>Individual Savings Account<\/strong>\uc758 \uc57d\uc790\ub85c, \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c\ub97c \ub73b\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc27d\uac8c \ub9d0\ud574\uc11c \uc608\uae08, \ud380\ub4dc, ETF,&nbsp; \uc8fc\uc2dd \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud55c <a href=\"https:\/\/joafinance.com\/?p=294\" data-type=\"link\" data-id=\"https:\/\/joafinance.com\/?p=294\">\ud1b5\uc7a5<\/a>\uc5d0\uc11c \ub2e4 \ud560\uc218 \uc788\ub294 \ub9cc\ub2a5\ud1b5\uc7a5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>2016\ub144\ub3c4\uc5d0 \ucc98\uc74c \ub098\uc654\uc5c8\ub294\ub370 \ub2f9\uc2dc\uc5d4 \uc9c1\uc811 \ud22c\uc790\uac00 \uc548\ub418\uc11c \uc778\uae30\uac00 \uc5c6\uc5c8\uc73c\ub098 2021\ub144\ubd80\ud130 \uc9c1\uc811\ud22c\uc790\uac00 \uac00\ub2a5\ud574\uc9c0\uba74\uc11c \uc0ac\ub78c\ub4e4\uc774 \ub9ce\uc774 \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uac00\uc785\uc870\uac74: \ub9cc 19\uc138 \uc774\uc0c1 \ub204\uad6c\ub098 \uac00\ub2a5<\/li>\n\n\n\n<li>\uc720\ud615: \uc18c\ub4dd\uc720\ud615\uc5d0 \ub530\ub77c \uc77c\ubc18\ud615, \uc11c\ubbfc\ud615, \ub18d\uc5b4\ubbfc\ud615 \uc138\uac00\uc9c0\ub85c \ub098\ub258\uace0 \ud61c\ud0dd\uc774 \ub2e4\ub984<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">ISA \uacc4\uc88c \ucd94\ucc9c \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-9-16 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"\uc800\ucd95 \uc798 \ud558\ub824\uba74 \uaf2d ISA\uacc4\uc88c \ud65c\uc6a9\ud558\uc138\uc694_\uae40\uacbd\ud544 \ub3c8\ucb50\ub0a8\" width=\"422\" height=\"750\" src=\"https:\/\/www.youtube.com\/embed\/Q8xzTRyVZfk?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\/Q8xzTRyVZfk\">\uba38\ub2c8\ud310\ub2e4<\/a><\/p>\n\n\n\n<p>ISA \uacc4\uc88c\ub294 \ub2e8\uc21c\ud788 \uc138\uae08\uc744 \uc904\uc774\ub294 \uacc4\uc88c\uac00 \uc544\ub2c8\ub77c, <strong>\uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\ub294 \ud22c\uc790 \ud50c\ub7ab\ud3fc<\/strong>\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.kcie.or.kr\/guide\/23\/30\/web_view?series_idx=&amp;content_idx=1386\">\uc804\uad6d\ud22c\uc790\uc790\uad50\uc721\ud611\uc758\ud68c)<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc138\uae08 \uc808\uac10 \ud6a8\uacfc<\/h3>\n\n\n\n<p>\uc77c\ubc18 \uc608\uae08 \ud1b5\uc7a5\uc73c\ub85c \uc774\uc790\ub97c \ubc8c\uac70\ub098 \uc8fc\uc2dd \ud22c\uc790\uc5d0\uc11c \ub3c8\uc744 \ubc8c\uba74 15.4%\ub97c \uc138\uae08\uc73c\ub85c \uc9c0\ucd9c\ud574\uc57c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc ISA\ub294 \ubc88\ub3c8\uc774 200\ub9cc\uc6d0 \uc774\ud558\uc774\uba74 \ube44\uacfc\uc138\ub85c \uc138\uae08\uc744 \ub0b4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. (\uc11c\ubbfc\ud615, \ub18d\uc5b4\ubbfc\ud615\uc740 400\ub9cc\uc6d0 \uc774\ud558)<\/p>\n\n\n\n<p>\ub354\ubd88\uc5b4 \ube44\uacfc\uc138 \ud55c\ub3c4\ucd08\uacfc\uc2dc 9.9% \uc138\uc728\ub85c \ubd84\ub9ac\uacfc\uc138\ub97c \ub0b4\uc5b4 \uc190\uc2e4\uacfc \uc774\uc775\uc744 \ud1b5\ud569 \uacc4\uc0b0\ud574\uc11c \uc21c\uc774\uc775\ub9cc \uc138\uae08\uc744 \ub9e4\uae34\ub2e4\ub294 \uc7a5\uc811\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uac8c \ubc14\ub85c \uc190\uc775\ud1b5\uc0b0\uc774\uc8e0.<\/p>\n\n\n\n<p>\uc608\ub97c\ub4e4\uc5b4 \uc8fc\uc2dd\uc73c\ub85c 300\ub9cc\uc6d0\uc744 \ubc8c\uace0 \ub2e4\ub978 \uc8fc\uc2dd\uc5d0\uc11c 200\ub9cc\uc6d0\uc774 \uc190\ud574\uac00 \ub098\uba74 \uc138\uae08\uc744 \uc548\ub0b4\ub3c4 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uc77c\ubc18\uacc4\uc88c\uc5d0\uc11c \ud588\ub2e4\uba74 \uc138\uae08\uc744 \ub0b4\uc57c\ud55c\ub2f5\ub2c8\ub2e4. \uc774\ucc98\ub7fc ISA \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ubaa8\ub4e0 \uc774\uc775\uacfc \uc190\uc2e4\uc744 \ud569\uccd0\uc11c \uc138\uae08\uc774 \ub9e4\uaca8\uc9c0\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud558\ub098\uc758 \uacc4\uc88c\uc5d0\uc11c \uad00\ub9ac<\/h3>\n\n\n\n<p>\uc608\uae08, \uc801\uae08, \ud380\ub4dc \uadf8\ub9ac\uace0 ETF, \ub9ac\uce20\uae4c\uc9c0 \ud558\ub098\uc758 \uacc4\uc88c\uc5d0\uc11c \ubaa8\ub450 \uc6b4\uc6a9 \uac00\ub2a5\ud574 \uc790\uc0b0\uc758 \ud750\ub984\uc744 \ud55c\ub208\uc5d0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \uc720\ub9ac\ud55c \uc11c\ubbfc\ud615 \ud61c\ud0dd\uc740 \ube44\uacfc\uc138\uac00 200\ub9cc\uc6d0\uc774 \uc544\ub2c8\ub77c 400\ub9cc \uc6d0 \uc774\ubbc0\ub85c \ub354 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5\ub144 \uc774\uc0c1 \uc7a5\uae30 \uc800\ucd95\uc5d0 \uc801\ud569<\/h3>\n\n\n\n<p>\ub2e8\uae30 \uc218\uc775\ubcf4\ub2e4 \uc911\uc7a5\uae30 \ud22c\uc790\ub97c \ubaa9\ud45c\ub85c \uc124\uacc4\ub418\uc5b4 \ucc9c\ucc9c\ud788 \ubaa9\ub3c8\uc744 \ubaa8\uc73c\uae30 \uc88b\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uccad\ub144\ub3c4\uc57d\uacc4\uc88c, \uccad\ub144\ud76c\ub9dd\uc801\uae08\uacfc \ub2e4\ub974\uac8c \uc815\ubd80\uc9c0\uc6d0\uae08\uc740 \uc5c6\uc9c0\ub9cc \uc138\uae08 \uc808\uc57d\uba74\uc5d0\uc11c\ub294 \ucd5c\uace0\uc758 \uc0c1\ud488\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ISA \uacc4\uc88c \ub2e8\uc810<\/h2>\n\n\n\n<p>ISA\ub294 \uc138\uae08 \uc808\uac10\uacfc \uc790\uc0b0\uad00\ub9ac \uce21\uba74\uc5d0\uc11c\ub294 \ud0c1\uc6d4\ud558\uc9c0\ub9cc, \ub2e8\uae30 \uc720\ub3d9\uc131\uc774 \ud544\uc694\ud558\uac70\ub098 \uace0\uc704\ud5d8 \ud22c\uc790\ub97c \uc6d0\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ubd80\uc801\ud569\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c, \uc138\uc81c \ud61c\ud0dd \uba74\uc5d0\uc11c\ub294 \ub6f0\uc5b4\ub098\uc9c0\ub9cc \uae00\ub85c\ubc8c \ubd84\uc0b0\ud22c\uc790 \uce21\uba74\uc5d0\uc11c\ub294 \ud55c\uacc4\uac00 \uc874\uc7ac\ud558\ub294 \uc808\uc138\ud615 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ucd5c\uc18c 3\ub144 \uc720\uc9c0, \uc5f0 2\ucc9c\ub9cc\uc6d0\uae4c\uc9c0 \ud22c\uc790 \uac00\ub2a5<\/h3>\n\n\n\n<p>\uc758\ubb34 \uac00\uc785 \uae30\uac04\uc740 3\ub144(\ube44\uacfc\uc138), 5\ub144(\uc138\uc81c \ud61c\ud0dd)\uc774\uba70, \uc774\ub97c \ucc44\uc6b0\uc9c0 \ubabb\ud558\uba74 \uadf8\ub3d9\uc548 \ubc1b\uc740 \uc138\uc81c \ud61c\ud0dd\uc744 \ubaa8\ub450 \ubc18\ud658\ud574\uc57c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub798\uc11c \ub2e8\uae30 \ud22c\uc790\uc6a9\uc73c\ub85c \uc801\ud569\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub610\ud55c 1\ub144\uc5d0 2\ucc9c\ub9cc\uc6d0\uae4c\uc9c0 \ud22c\uc790 \uac00\ub2a5\ud558\uba70 \uc911\ub3c4 \uc778\ucd9c \uc2dc \ub0a9\uc785 \ud55c\ub3c4\uac00 \ubcf5\uad6c\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 2\ucc9c\ub9cc\uc6d0\uc744 \ud22c\uc790\ud588\ub2e4\uba74 \ub354\uc774\uc0c1 \ubd88\uac00\ud558\uba70 \uc88b\uc740\uc810\uc740 \uc4f0\uc9c0 \ubabb\ud55c \ud55c\ub3c4\ub294 \ucb49 \uc774\uc6d4\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>24\ub144\uc5d0 \uac00\uc785\ud558\uace0 \ud22c\uc790\ub97c \uc548\ud588\uc73c\uba74 25\ub144\uc5d0\ub294 4\ucc9c\ub9cc\uc6d0 \ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud574\uc678\uc8fc\uc2dd \uc9c1\uc811 \ud22c\uc790 \uc548\ub428<\/h3>\n\n\n\n<p>ISA \uacc4\uc88c\uc758 \ub300\ud45c\uc801\uc778 \ud55c\uacc4 \uc911 \ud558\ub098\ub294 <strong>\ud574\uc678\uc8fc\uc2dd\uc5d0 \uc9c1\uc811 \ud22c\uc790\ud560 \uc218 \uc5c6\ub2e4\ub294 \uc810<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubbf8\uad6d \ub098\uc2a4\ub2e5\uc774\ub098 S&amp;P500\uc5d0 \uc0c1\uc7a5\ub41c \uac1c\ubcc4 \uc885\ubaa9(\uc608: \uc560\ud50c, \ud14c\uc2ac\ub77c, \uc5d4\ube44\ub514\uc544 \ub4f1)\uc744 <strong>\uc9c1\uc811 \ub9e4\uc218\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\ub2e4\ub9cc, \uad6d\ub0b4 \uc99d\uc2dc\uc5d0 \uc0c1\uc7a5\ub41c <strong>\ud574\uc678\uc9c0\uc218 \ucd94\uc885 ETF(\uc608: TIGER \ubbf8\uad6dS&amp;P500, KODEX \ub098\uc2a4\ub2e5100)<\/strong> \ub97c \ud1b5\ud574 <strong>\uac04\uc811\uc801\uc73c\ub85c \ud574\uc678\uc2dc\uc7a5\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd<\/strong>\uc740 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uad6d\ub0b4 \uc911\uc2ec\uc758 \uc790\uc0b0 \uad00\ub9ac\ub97c \ubaa9\ud45c\ub85c \ud55c\ub2e4\uba74 \ucda9\ubd84\ud788 \ub9e4\ub825\uc801\uc774\uc9c0\ub9cc, \ud574\uc678 \uc9c1\uc811 \ud22c\uc790\ub97c \uc120\ud638\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ub2e4\uc18c \uc81c\uc57d\uc774 \ub530\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ISA \uacc4\uc88c \uc885\ub958&nbsp;<\/h2>\n\n\n\n<p>ISA \uacc4\uc88c\ub97c \uc6b4\uc601\ubc29\uc2dd \ub530\ub77c \uad6c\ubd84\ud560 \uc218 \uc788\ub294\ub370\uc694. \uc774\ub54c\ub294 3\uac00\uc9c0 \uc720\ud615\uc73c\ub85c \ub098\ub260 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXd2L9SNGzwqu7oVq55bkcYfqdrrflrGZso9A37ItDp1cWZM2heHzQc5wn0iCOBTtiBk4WGT6gG4x5DC7ItvJMN-g7U1RTNog-f_xar_CQ6iEP4TiyCfsdy2_AJpaM8zxGmgPqANQw?key=yFp5_7c2WRIGq1jxirRKSw\" alt=\"\"\/><\/figure>\n\n\n\n<p>(\uc0ac\uc9c4\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/obank.kbstar.com\/quics?page=C041164#loading\">\uad6d\ubbfc\uc740\ud589<\/a>)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc911\uac1c\ud615 ISA<\/h3>\n\n\n\n<p>\ud22c\uc790\ubc29\uc2dd\uc73c\ub85c\ub294 \uace0\uac1d\uc774 \uc9c1\uc811 \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uc5ec \uc6b4\uc6a9\ud569\ub2c8\ub2e4. \uc6b4\uc6a9\uc8fc\uccb4\ub294 \uac1c\uc778\ud22c\uc790\uc790\ub85c \ud22c\uc790\uac00\ub2a5\uc0c1\ud488\uc73c\ub85c\ub294 \uad6d\ub0b4 \uc0c1\uc7a5\uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, ETF, ETN, RP \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488\uc774 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc8fc\uc2dd \uc9c1\uc811\ud22c\uc790\uac00 \uac00\ub2a5\ud558\uace0 \ud22c\uc790\uc790\uac00 \uc804\ub7b5\uc5d0 \ub530\ub77c \uc6b4\uc6a9\ud560 \uc218 \uc788\uc73c\uba70 \ubaa8\ubc14\uc77c \ube44\ub300\uba74 \uacc4\uc88c \uac1c\uc124\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc2e0\ud0c1\ud615 ISA<\/h3>\n\n\n\n<p>\ud22c\uc790\ubc29\uc2dd\uc73c\ub85c\ub294 \uace0\uac1d\uc774 \uc9c1\uc811 \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uc9c0\ub9cc, \uc608\uae08\uc774\ub098 \uc801\uae08\ub4f1 \uc548\uc804\uc801\uc778 \uc0c1\ud488\uc744 \uc911\uc2ec\uc73c\ub85c \uace0\uac1d\ubcf8\uc778\uc774 \uc6b4\uc601\ud569\ub2c8\ub2e4. \ud22c\uc790 \uac00\ub2a5 \uc0c1\ud488\uc73c\ub85c\ub294 \uc608\uae08, \ud30c\uc0dd\uacb0\ud569\uc99d\uad8c\/\uc0ac\ucc44, \uc0c1\uc7a5\ud615\uc218\uc775\uc99d\uad8c \ub9ac\uce20 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc548\uc815\uc801\uc778 \uc790\uc0b0\uad00\ub9ac\uac00 \ubaa9\ud45c\uc774\uba70 \uc608\uae08\uc774\ub098 \uc801\uae08\uac19\uc740 \ubcf4\uc218\uc801\uc778 \uc0c1\ud488\uc744 \ud3ec\ud568\ud574 \uc2e0\ud0c1\ubcf4\uc218\ub294 \uc5f0 0.20%\ub85c \ubd80\uacfc\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc77c\uc784\ud615 ISA<\/h3>\n\n\n\n<p>\ud22c\uc790\ubc29\uc2dd\uc73c\ub85c\ub294 \uae08\uc735\uc804\ubb38\uac00\uac00 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uace0 \ub300\uc2e0\uc6b4\uc6a9\ud574\uc8fc\uba70 \uae08\uc735\uae30\uad00 \ud22c\uc790 \uc804\ubb38\uac00\uac00 \uc6b4\uc6a9\uc744 \uc8fc\uccb4\ud569\ub2c8\ub2e4. \ub610\ud55c \ud22c\uc790 \uac00\ub2a5 \uc0c1\ud488\uc73c\ub85c\ub294 \ud380\ub4dc, ETF \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc804\ubb38\uac00\uac00 \ub300\uc2e0 \ud22c\uc790\ud574\uc8fc\ubbc0\ub85c \ud3b8\ub9ac\ud558\uace0 \ud22c\uc790 \uacbd\ud5d8\uc774 \uc5c6\uac70\ub098 \uc9c0\uc2dd\uc774 \uc5c6\uc744 \uacbd\uc6b0 \uc801\ud569\ud569\ub2c8\ub2e4. \uc77c\uc784\uc218\uc218\ub8cc\ub294 \uc5f0 0.10%\uc5d0\uc11c 0.50%\ub85c \uc0c1\ud488 \uc720\ud615\ubcc4\ub85c \ub2e4\ub985\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">ISA \uacc4\uc88c \uac00\uc785 \uc694\uac74\uc5d0 \ub530\ub978 \uc885\ub958<\/h2>\n\n\n\n<p>ISA \uacc4\uc88c\ub294 <strong>\uc6b4\uc6a9 \ubc29\uc2dd\uc5d0 \ub530\ub77c \uc911\uac1c\ud615, \uc2e0\ud0c1\ud615, \uc77c\uc784\ud615<\/strong>\uc73c\ub85c \ub098\ub269\ub2c8\ub2e4. \uac01 \uc720\ud615\ub9c8\ub2e4 \ud22c\uc790 \ubc29\uc2dd\uacfc \uc218\uc218\ub8cc \uad6c\uc870\uac00 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uad6c\ubd84<\/td><td>\uc911\uac1c\ud615<\/td><td>\uc2e0\ud0c1\ud615<\/td><td>\uc77c\uc784\ud615<\/td><\/tr><tr><td>\uc6b4\uc6a9 \uc8fc\uccb4<\/td><td>\uace0\uac1d\uc774 \uc9c1\uc811<\/td><td>\uace0\uac1d\uc774 \uc9c1\uc811<\/td><td>\uae08\uc735 \uc804\ubb38\uac00<\/td><\/tr><tr><td>\ud22c\uc790\ubc29\uc2dd<\/td><td>\uace0\uac1d\ubcf8\uc778<\/td><td>\uace0\uac1d\ubcf8\uc778<\/td><td>\uc804\ubb38\uac00\uac00 \ub300\uc2e0 \ud22c\uc790<\/td><\/tr><tr><td>\ud22c\uc790\uac00\ub2a5 \uc0c1\ud488<\/td><td>\uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc<\/td><td>\uc608\uae08, \uc801\uae08, \ud380\ub4dc, \ub9ac\uce20<\/td><td>\ud380\ub4dc, ETF \ub4f1<\/td><\/tr><tr><td>\uc218\uc218\ub8cc<\/td><td>\ud22c\uc790 \uc0c1\ud488\ubcc4\ub85c \uac1c\ubcc4 \uc218\uc218\ub8cc<\/td><td>\uc2e0\ud0c1\ubcf4\uc218 \uc5f0 0.20%<\/td><td>\uc77c\uc784\uc218\uc218\ub8cc \uc5f0 0.10%\uc5d0\uc11c 0.50%<\/td><\/tr><tr><td>\uc801\ud569 \ub300\uc0c1<\/td><td>\uc801\uadf9\uc801\uc778 \uc790\uc0b0 \uc6b4\uc6a9\uc744 \uc6d0\ud558\ub294 \ud22c\uc790\uc790<\/td><td>\uc548\uc815\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc6d0\ud558\ub294 \ud22c\uc790\uc790<\/td><td>\uc804\ubb38\uac00\uc758 \uc790\uc0b0 \uc6b4\uc6a9\uc744 \uc6d0\ud558\ub294 \ud22c\uc790\uc790<\/td><\/tr><tr><td>\ud2b9\uc9d5<\/td><td>\uc8fc\uc2dd \uc9c1\uc811 \ud22c\uc790 \uac00\ub2a5, \ube44\ub300\uba74 \uac1c\uc124 \uac00\ub2a5<\/td><td>\uc548\uc815\uc801 \ud22c\uc790 \uc911\uc2ec<\/td><td>\uc804\ubb38\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc6b4\uc6a9 \uae30\ub2a5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\uc911\uac1c\ud615 ISA<\/strong>\ub294 \ud22c\uc790\uc790\uac00 \uc9c1\uc811 \ub9e4\ub9e4\ub97c \uacb0\uc815\ud558\uace0 \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \uc790\uc720\ub86d\uac8c \uac70\ub798\ud560 \uc218 \uc788\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>ETF, \ud380\ub4dc, \uad6d\ub0b4 \uc8fc\uc2dd, \ucc44\uad8c \ub4f1 \uc5ec\ub7ec \uc0c1\ud488\uc744 \ud55c \uacc4\uc88c\uc5d0\uc11c \uc6b4\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \ud22c\uc790 \uacbd\ud5d8\uc774 \uc788\uac70\ub098 \uc801\uadf9\uc801\uc778 \uc6b4\uc6a9\uc744 \uc6d0\ud558\ub294 \ubd84\uaed8 \uc801\ud569\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub2e4\ub9cc \uc190\uc2e4\uacfc \uc218\uc775 \ubaa8\ub450 \ubcf8\uc778 \ucc45\uc784\uc774\ubbc0\ub85c \uae30\ubcf8\uc801\uc778 \ud22c\uc790 \uc9c0\uc2dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc2e0\ud0c1\ud615 ISA<\/strong>\ub294 \uc740\ud589 \uc911\uc2ec \uc0c1\ud488\uc73c\ub85c, \uc608\uae08\uacfc \uc801\uae08 \uac19\uc740 \uc548\uc815\ud615 \uc790\uc0b0 \uc704\uc8fc\ub85c \uad6c\uc131\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\uace0\uc790 \ud558\ub294 \ubd84\ub4e4\uc5d0\uac8c \uc54c\ub9de\uc73c\uba70, \uc218\uc218\ub8cc\ub294 \uc5f0 0.2% \uc815\ub3c4\ub85c \ube44\uad50\uc801 \uc800\ub834\ud569\ub2c8\ub2e4. \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uac00 \ubaa9\ud45c\uc778 \ud22c\uc790\uc790\uc5d0\uac8c \ucd94\ucc9c\ud560 \uc218 \uc788\ub294 \uc720\ud615\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc77c\uc784\ud615 ISA<\/strong>\ub294 \uae08\uc735 \uc804\ubb38\uac00\uac00 \ub300\uc2e0 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud574\uc8fc\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud22c\uc790 \uacbd\ud5d8\uc774 \ubd80\uc871\ud558\uac70\ub098 \uc5c5\ubb34\ub85c \ubc14\uc05c \ubd84\ub4e4\uc5d0\uac8c \uc801\ud569\ud558\uba70, \uc804\ubb38\uac00\uac00 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub9de\ucdb0 \uc790\uc0b0\uc744 \ub9ac\ubc38\ub7f0\uc2f1\ud574\uc90d\ub2c8\ub2e4. \ub2e4\ub9cc \uc5f0 0.1~0.5% \uc218\uc900\uc758 \uc77c\uc784 \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc694\uc57d\ud558\uc790\uba74, \uc911\uac1c\ud615\uc740 <strong>\uacf5\uaca9\uc801 \ud22c\uc790\uc790<\/strong>, \uc2e0\ud0c1\ud615\uc740 <strong>\uc548\uc815\ud615 \ud22c\uc790\uc790<\/strong>, \uc77c\uc784\ud615\uc740 <strong>\uc2dc\uac04\uc774 \ubd80\uc871\ud55c \ud22c\uc790\uc790<\/strong>\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc138\uc81c \ud61c\ud0dd\uc740 \ub3d9\uc77c\ud558\ubbc0\ub85c, \ubcf8\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \ud569\ub9ac\uc801\uc73c\ub85c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc0ac\ud68c\ucd08\ub144\uc0dd\uc744 \uc704\ud55c ISA \uc2e4\uc804 \uc6b4\uc6a9 \uc804\ub7b5<\/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=\"ISA \uacc4\uc88c, \uc774\ub807\uac8c \uad74\ub9ac\uba74 \uc138\uae08 \ud61c\ud0dd \ub2e4 \ub0a0\ub9bd\ub2c8\ub2e4. &#039;\uc774 5\uac00\uc9c0&#039;\ub9cc \ud53c\ud558\uc138\uc694! [\uae40\ubc94\uace4\uc758 \uc5f0\uae08\uc218\uc5c5]\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/r28T-L0Yr0E?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=r28T-L0Yr0E\">\uae40\ubc94\uadfc\uc758 \uc5f0\uae08\uc804\ub7b5<\/a><\/p>\n\n\n\n<p>ISA\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774 \uc138\uae08 \uc808\uc57d\uacfc \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3d9\uc2dc\uc5d0 \ub178\ub9b4 \uc218 \uc788\ub294 \ub9e4\uc6b0 \uc2e4\uc6a9\uc801\uc778 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub2e4\uc74c \uc138 \uac00\uc9c0 \uc804\ub7b5\uc744 \ucc38\uace0\ud558\uba74 \ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \uc6b4\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uccab\uc9f8, \uc18c\uc561 \ubd84\uc0b0\ud22c\uc790\ubd80\ud130 \uc2dc\uc791\ud569\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\ucc98\uc74c\ubd80\ud130 \ud070 \uae08\uc561\uc744 \ud22c\uc790\ud558\uae30\ubcf4\ub2e4 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc774\uccb4\ud574 \uc801\ub9bd\uc2dd\uc73c\ub85c \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc6d4 10\ub9cc \uc6d0\uc529 \ud380\ub4dc\uc640 ETF\uc5d0 \ub098\ub204\uc5b4 \ud22c\uc790\ud558\uba74, \uc7a5\uae30 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uc5bb\uc73c\uba74\uc11c \uc704\ud5d8\uc744 \ubd84\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\ub458\uc9f8, \uc548\uc804\uc790\uc0b0 50%, \ud22c\uc790\uc790\uc0b0 50%\ub85c \uad6c\uc131\ud569\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\uc608\uae08\uacfc \uc801\uae08 \uac19\uc740 \uc548\uc815\uc801\uc778 \uc790\uc0b0 50%, ETF\u00b7\ud380\ub4dc \ub4f1 \uc218\uc775\ud615 \uc790\uc0b0 50%\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uba74 \ubcc0\ub3d9\uc131\uc744 \uc904\uc774\uba74\uc11c \uafb8\uc900\ud55c \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 100\ub9cc \uc6d0\uc744 \ub0a9\uc785\ud55c\ub2e4\uba74 50\ub9cc \uc6d0\uc740 \uc608\uae08, \ub098\uba38\uc9c0 50\ub9cc \uc6d0\uc740 ETF\uc5d0 \ud22c\uc790\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc14b\uc9f8, \uc11c\ubbfc\ud615 ISA\ub97c \uc801\uadf9 \ud65c\uc6a9\ud569\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\uadfc\ub85c\uc18c\ub4dd 5,000\ub9cc \uc6d0 \uc774\ud558 \ub610\ub294 \uc885\ud569\uc18c\ub4dd 3,800\ub9cc \uc6d0 \uc774\ud558\ub77c\uba74 \uc11c\ubbfc\ud615 ISA\ub85c \uac00\uc785\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ube44\uacfc\uc138 \ud55c\ub3c4\uac00 400\ub9cc \uc6d0 \uc73c\ub85c \ud655\ub300\ub418\uba70, \uc138\uae08 \ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>ISA\ub294 \uccad\ub144\ud76c\ub9dd\uc801\uae08, \uccad\ub144\ub3c4\uc57d\uacc4\uc88c \ub4f1\uacfc \uc911\ubcf5 \uac00\uc785\uc774 \uac00\ub2a5\ud558\ubbc0\ub85c, \uc7a5\uae30 \uc7ac\ud14c\ud06c \uacc4\ud68d\uc758 \uc911\uc2ec\uc73c\ub85c \uc0bc\uae30 \uc88b\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ISA \uc8fc\uc694 \ud2b9\uc9d5<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/6d78cffb-4582-4a93-b5b6-ebb320b893af.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>\ucd9c\ucc98: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.banksalad.com\/contents\/ISA%EA%B3%84%EC%A2%8C-%EC%95%8C%EC%95%84%EB%B3%B4%EA%B8%B0-%ED%98%9C%ED%83%9D-%EA%B0%80%EC%9E%85%EC%A1%B0%EA%B1%B4-%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD%EA%B9%8C%EC%A7%80-DOR3g\">\ubc45\ud06c\uc0d0\ub7ec\ub4dc<\/a><\/p>\n\n\n\n<p>ISA \uacc4\uc88c\ub294 \ud558\ub098\uc758 \ud1b5\uc7a5\uc5d0\uc11c \uc608\uae08, \ud380\ub4dc, ETF, \ucc44\uad8c \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud568\uaed8 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 <strong>\uc885\ud569 \uc790\uc0b0\uad00\ub9ac \uacc4\uc88c<\/strong>\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc989, \ub2e8\uae30\ud22c\uc790\ubcf4\ub2e4\ub294 \u2018\uc138\uae08\uc744 \uc544\ub07c\uba70 \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ud0a4\uc6b0\uace0 \uc2f6\uc740 \uc0ac\ub78c\u2019\uc5d0\uac8c \uc720\ub9ac\ud55c \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc138\uc81c \ud61c\ud0dd \uc81c\uacf5<\/h3>\n\n\n\n<p>\ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc788\uc5b4 ISA\uc5d0\uc11c \uc5bb\uc740 \uae08\uc735\uc18c\ub4dd(\uc774\uc790, \ubc30\ub2f9\uc18c\ub4dd)\uc5d0 \ub300\ud574 \uc77c\uc815 \uae08\uc561\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc77c\ubc18\ud615\uc740 200\ub9cc\uc6d0\uae4c\uc9c0, \uc11c\ubbfc\/\ub18d\uc5b4\ubbfc\ud615\uc758 \uacbd\uc6b0 400\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c \ube44\uacfc\uc138 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uae08\uc735\uc18c\ub4dd\uc5d0 \ub300\ud574\uc11c\ub294 9.9% \ub0ae\uc740 \uc138\uc728\ub85c \ubd84\ub9ac\uacfc\uc138 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ucd5c\uc18c 3\ub144 \uacc4\uc88c \uc6b4\uc6a9\uae30\uac04<\/h3>\n\n\n\n<p>ISA \uacc4\uc88c\ub294 \ucd5c\uc18c 3\ub144 \uc774\uc0c1\uc740 \uc720\uc9c0\ud574\uc57c\ud558\uba70, \uacc4\uc88c \ud574\uc9c0\uae4c\uc9c0 \uc6b4\uc6a9\ub418\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \uc911\ub3c4 \ud574\uc9c0\ud560 \uacbd\uc6b0 \uc138\uc81c \ud61c\ud0dd\uc774 \uc0c1\uc2e4 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub0a9\uc785\ud55c\ub3c4\ub294 \uc5f0\uac04\ucd5c\ub300 2,000\ub9cc\uc6d0<\/h3>\n\n\n\n<p>\uc5f0\uac04 2\ucc9c\ub9cc\uc6d0\uc744 ISA\uacc4\uc88c\uc5d0 \ub123\uc744\uc218 \uc788\uc73c\uba70 \ucd5c\ub300 1\uc5b5\uc6d0\uae4c\uc9c0 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc911\ub3c4\uc778\ucd9c \uac00\ub2a5<\/h3>\n\n\n\n<p>\uc911\ub3c4 \ud574\uc9c0\ud558\uba74 \uc138\uc81c \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc5b4\ub835\uace0 \ucd1d \ub0a9\uc785\uc6d0\uae08 \ub0b4\uc5d0\uc11c \ud69f\uc218 \uc81c\ud55c \uc5c6\uc774 \uc911\ub3c4 \uc778\ucd9c\uc740 \uac00\ub2a5\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ISA \ube44\uacfc\uc138 \uad6c\uc870 \uc774\ud574\ud558\uae30 \u2013 \uc190\uc775\ud1b5\uc0b0\uc758 \ud575\uc2ec \uc6d0\ub9ac<\/h2>\n\n\n\n<p>ISA \uacc4\uc88c\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \ubc14\ub85c <strong>\u2018\uc190\uc775\ud1b5\uc0b0\u2019<\/strong> \uae30\ub2a5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc190\uc775\ud1b5\uc0b0\uc774\ub780 \ud558\ub098\uc758 \uacc4\uc88c \uc548\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uae08\uc735\uc0c1\ud488\uc758 \uc190\uc2e4\uacfc \uc774\uc775\uc744 \ud569\uc0b0\ud574 <strong>\u2018\uc21c\uc774\uc775\u2019\ub9cc \uc138\uae08 \ubd80\uacfc \ub300\uc0c1<\/strong>\uc73c\ub85c \uc0bc\ub294 \uad6c\uc870\ub97c \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 A \ud380\ub4dc\uc5d0\uc11c 200\ub9cc \uc6d0 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\uace0, B ETF\uc5d0\uc11c 300\ub9cc \uc6d0\uc758 \uc218\uc775\uc774 \ubc1c\uc0dd\ud588\ub2e4\uba74, <br>\uc77c\ubc18 \uacc4\uc88c\uc5d0\uc11c\ub294 300\ub9cc \uc6d0 \uc804\uccb4\uc5d0 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uc9c0\ub9cc ISA\uc5d0\uc11c\ub294 100\ub9cc \uc6d0\uc758 \uc21c\uc774\uc775\ub9cc \uacfc\uc138\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c ISA\uc758 \uc138\uc728\uc740 \uc77c\ubc18 \uae08\uc735\uc0c1\ud488\ubcf4\ub2e4 \ub0ae\uc740 <strong>9.9%\uc758 \ubd84\ub9ac\uacfc\uc138<\/strong>\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubc18 \uacc4\uc88c\uc758 \uae08\uc735\uc18c\ub4dd\uc138\uc728(15.4%)\ubcf4\ub2e4 \ubd80\ub2f4\uc774 \uc801\uae30 \ub54c\ubb38\uc5d0 \uc808\uc138 \ud6a8\uacfc\uac00 \ub9e4\uc6b0 \ud07d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 \ucd1d 500\ub9cc \uc6d0\uc758 \uc218\uc775\uc774 \ubc1c\uc0dd\ud588\ub2e4\uba74 200\ub9cc \uc6d0\uae4c\uc9c0\ub294 \ube44\uacfc\uc138, \ub098\uba38\uc9c0 300\ub9cc \uc6d0\uc5d0 \ub300\ud574\uc11c\ub9cc 9.9% \uc138\uae08\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uad6c\uc870 \ub355\ubd84\uc5d0 ISA\ub294 <strong>\uc18c\uc561 \ud22c\uc790\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc808\uc138\ud615 \ud1b5\uc7a5<\/strong>\uc73c\ub85c \ud3c9\uac00\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc720\uc758\uc0ac\ud56d<\/h3>\n\n\n\n<p>\ub2e8, \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc138\uc81c \ud61c\ud0dd\uc774 \uc804\ubd80 \ubb34\ud6a8\ud654\ub418\ubbc0\ub85c \ucd5c\uc18c 3\ub144 \uc774\uc0c1\uc740 \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc190\uc775\ud1b5\uc0b0\uacfc \ubd84\ub9ac\uacfc\uc138 \uc81c\ub3c4\ub294 \uc138\uae08 \uc808\uc57d\uc744 \ub118\uc5b4 <strong>\uc7a5\uae30 \ud22c\uc790\uc790\uc758 \ub9ac\uc2a4\ud06c\ub97c \uc644\ud654\ud558\ub294 \uc548\uc815\uc7a5\uce58<\/strong> \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c \ub2e8\uae30 \uc2dc\uc138 \ucc28\uc775\ubcf4\ub2e4 \uafb8\uc900\ud55c \uc790\uc0b0 \uc131\uc7a5\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ubd84\ub4e4\uc5d0\uac8c \uc801\ud569\ud55c \uc81c\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac<\/h2>\n\n\n\n<p>ISA \uacc4\uc88c\ub294 \ud558\ub098\uc758 \uacc4\uc88c\uc5d0\uc11c \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uace0, \uc190\uc775\uc744 \ud1b5\ud569\ud574 \uc138\uae08\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uad6c\uc870 \ub355\ubd84\uc5d0 \uc7a5\uae30 \ud22c\uc790\uc790\uc5d0\uac8c \ud2b9\ud788 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc138\uae08\ub3c4 \uc808\uc57d\ud558\uace0 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud55c\ub208\uc5d0 \uad00\ub9ac \ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc774 \ud070 \uc7a5\uc810\uc774\uc8e0. <\/p>\n\n\n\n<p>\ubb3c\ub860 \ucd5c\uc18c \uc758\ubb34 \uac00\uc785 3\ub144\uc744 \uc720\uc9c0\ud574\uc57c\ud558\ub294 \ub2e8\uc810\uc774 \uc788\uc9c0\ub9cc \uc804\ub7b5\uc801\uc73c\ub85c\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \uaf64 \uc720\ub9ac\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc694\uc57d\ud558\uc790\uba74, ISA\ub294 \ub2e8\uae30 \uc218\uc775\ubcf4\ub2e4\ub294 <strong>\u2018\uc138\uae08 \uc808\uc57d + \uafb8\uc900\ud55c \uc790\uc0b0 \uc131\uc7a5\u2019<\/strong> \uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ubd84\ub4e4\uc5d0\uac8c \ucd5c\uc801\uc758 \uacc4\uc88c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\uae08 \ubc14\ub85c \uc790\uc2e0\uc758 \uc18c\ub4dd \uc870\uac74\uacfc \ud22c\uc790 \uc131\ud5a5\uc744 \ud655\uc778\ud558\uace0, <strong>ISA\ub97c \ud65c\uc6a9\ud55c \uc7a5\uae30 \uc7ac\ud14c\ud06c \uacc4\ud68d<\/strong>\uc744 \uc138\uc6cc\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>ISA \uacc4\uc88c\ucc98\ub7fc \uc808\uc138\uc640 \uc6b4\uc6a9 \uc804\ub7b5\uc774 \uc911\uc694\ud55c \uc2dc\ub300, \uc790\uc0b0 \ubaa9\ud45c \uc124\uc815\uc774 \uc81c\ub300\ub85c \ub418\uc5b4 \uc788\ub294\uc9c0\ub3c4 \ud568\uaed8 \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. [\ud30c\uc774\uc5b4\uc871 \ubb38\uc81c\uc810 \ucd1d\uc815\ub9ac] \uae00\uc5d0\uc11c \ud604\uc2e4\uc801\uc778 \ud55c\uacc4\ub3c4 \uc810\uac80\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\">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\/2025\/10\/joafinance.com-G-7.jpg\" 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=239\" target=\"_blank\" rel=\"noopener noreferrer\">\ud30c\uc774\uc5b4\uc871 \ubb38\uc81c\uc810 \ucd1d\uc815\ub9ac \u2013 \uacc4\uc0b0\uae30\uc640 \ubaa9\ud45c\uae08\uc561\uc73c\ub85c \ubcf8 \ud604\uc2e4\uc801\uc778 \ud55c\uacc4 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\ucd5c\uadfc \uba87 \ub144 \uc0ac\uc774, \u2018\ud30c\uc774\uc5b4\uc871(FIRE: Financial Independence, Retire Early)\u2019\uc740 \ub2e8\uc21c\ud55c \uc720\ud589\uc744 \ub118\uc5b4 \uc0c8\ub85c\uc6b4 \uc778\uc0dd \uc804\ub7b5\uc73c\ub85c \ub5a0\uc62c\ub790\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\uc0c1\uc801\uc778 \uacc4\ud68d\uacfc \ud604\uc2e4 \uc0ac\uc774&#8230;<\/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>\ucd5c\uadfc \ub4e4\uc5b4 \uc138\uae08 \uc808\uac10\uacfc \uc790\uc0b0 \uad00\ub9ac\uc5d0 \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uba74\uc11c ISA \uacc4\uc88c(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c) \uac00 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\ub098\uc758 \uacc4\uc88c\ub85c \uc608\uae08, \ud380\ub4dc, ETF, \ucc44\uad8c \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud1b5\ud569 \uad00\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uc77c\uc815 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \ube44\uacfc\uc138 \ud61c\ud0dd\uae4c\uc9c0 \uc81c\uacf5\ub41c\ub2e4\ub294 \uc810\uc774 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub098 \ud22c\uc790 \ucd08\ubcf4\uc790\uc5d0\uac8c ISA\ub294 \u2018\uc808\uc138\ud615 \ud22c\uc790 \uc785\ubb38 \uacc4\uc88c\u2019 \ub85c \uc778\uae30\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubaa8\ub4e0 \ud22c\uc790 \uc0c1\ud488\uc774 \uadf8\ub807\ub4ef, ISA\uc5d0\ub3c4 \ubd84\uba85\ud55c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-72","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\/72","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=72"}],"version-history":[{"count":4,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/72\/revisions"}],"predecessor-version":[{"id":735,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/72\/revisions\/735"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/309"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=72"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=72"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=72"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}