{"id":51,"date":"2024-10-24T03:00:32","date_gmt":"2024-10-24T03:00:32","guid":{"rendered":"https:\/\/femtb.co.kr\/?p=51"},"modified":"2024-10-24T03:00:32","modified_gmt":"2024-10-24T03:00:32","slug":"isa-%ea%b3%84%ec%a2%8c-%ea%b0%9c%ec%84%a4-%ec%9d%b4%eb%b2%a4%ed%8a%b8-%eb%aa%a8%eb%b0%94%ec%9d%bc-vs-%eb%b0%a9%eb%ac%b8-%ea%b0%80%ec%9e%85-%eb%ac%b4%ec%97%87%ec%9d%b4-%eb%8d%94-%ec%9c%a0%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/femtb.co.kr\/?p=51","title":{"rendered":"ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8: \ubaa8\ubc14\uc77c vs \ubc29\ubb38 \uac00\uc785, \ubb34\uc5c7\uc774 \ub354 \uc720\ub9ac\ud560\uae4c?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">ISA(Individual Savings Account) \uacc4\uc88c\ub294 \uc608\uae08, \ud380\ub4dc, ETF \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc744 \ud55c \uacc4\uc88c\uc5d0 \ud1b5\ud569 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uc720\uc6a9\ud55c \uae08\uc735 \ub3c4\uad6c\ub85c, \uc808\uc138 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud574 \ub9ce\uc740 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, 2024\ub144\uc5d0\ub294 \uae08\uc735\uae30\uad00\ub4e4\uc774 \uc2e0\uaddc \uace0\uac1d \uc720\uce58\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc73c\uba70, \uc774 \uacfc\uc815\uc5d0\uc11c \ubaa8\ubc14\uc77c \uac00\uc785\uacfc \ubc29\ubb38 \uac00\uc785\uc758 \uc120\ud0dd\uc774 \uc911\uc694\ud55c \uc774\uc288\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ubc29\uc2dd\uc758 \ud61c\ud0dd\uacfc \ud55c\uacc4\ub97c \uc0b4\ud3b4\ubcf4\uace0, \uc5b4\ub5a4 \uc0c1\ud669\uc5d0\uc11c \ub354 \uc720\ub9ac\ud55c\uc9c0 \ubd84\uc11d\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nytimes.com\/search?dropmab=true&amp;query=ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8\" rel=\"nofollow\">https:\/\/www.nytimes.com\/search?dropmab=true&amp;query=ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ISA \uacc4\uc88c \uac1c\uc124 \ud2b8\ub80c\ub4dc\ub294 \ucd5c\uadfc \uba87 \ub144 \uac04 \ub9ce\uc740 \ubcc0\ud654\uac00 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. ISA\ub294 \uc138\uc81c \ud61c\ud0dd\uacfc \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \ud6a8\uc728\uc131\uc744 \uc81c\uacf5\ud558\ub294 \uae08\uc735\uc0c1\ud488\uc73c\ub85c, \uc810\uc810 \ub354 \ub9ce\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc778\uae30\ub97c \ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc778\uae30\uc5d0 \ud798\uc785\uc5b4 \uae08\uc735\uae30\uad00\ub4e4\uc740 \uace0\uac1d \uc720\uce58\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \uc774\ubca4\ud2b8\uc640 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc218\uc218\ub8cc \uba74\uc81c, \uacbd\ud488 \uc9c0\uae09, \uacf5\ubaa8\uc8fc \uccad\uc57d \uc6b0\ub300 \ub4f1\uc758 \ud61c\ud0dd\uc744 \ub0b4\uc138\uc6cc \uace0\uac1d\uc758 \uad00\uc2ec\uc744 \ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\uc7c1\uc801\uc778 \ud61c\ud0dd\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ubcf4\ub2e4 \ub9e4\ub825\uc801\uc778 \uc120\ud0dd\uc9c0\ub97c \uc81c\uacf5\ud568\uc73c\ub85c\uc368, ISA \uacc4\uc88c \uac1c\uc124\uc744 \ub354\uc6b1 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c \ud22c\uc790\uc790\ub4e4\uc740 \ub2e4\uc591\ud55c \uc120\ud0dd\uc9c0\ub97c \uace0\ub824\ud558\uac8c \ub429\ub2c8\ub2e4. \ud2b9\ud788 \ubaa8\ubc14\uc77c \ucc44\ub110\uc758 \uc131\uc7a5\uc740 \ube44\ub300\uba74 \uacc4\uc88c \uac1c\uc124\uc744 \uc77c\ubc18\ud654\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\ub4e4\uc774 \ubaa8\ubc14\uc77c \uc571\uc774\ub098 \uc6f9\uc0ac\uc774\ud2b8\ub97c \ud1b5\ud574 \uc190\uc27d\uac8c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\ub294 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc2dc\uac04\uacfc \uc7a5\uc18c\uc5d0 \uad6c\uc560\ubc1b\uc9c0 \uc54a\uace0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \ud3b8\ub9ac\ud568\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc5ec\uc804\ud788 \ubc29\ubb38 \uac00\uc785\uc744 \uc120\ud638\ud558\ub294 \ud22c\uc790\uc790\ub4e4\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uace0\uac1d\ub4e4\uc740 \uc9c1\uc811 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ubcf4\ub2e4 \uc0c1\uc138\ud55c \uc815\ubcf4\ub97c \uc5bb\uace0, \uc2e0\ub8b0\ub97c \uae30\ubc18\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30\ub97c \uc6d0\ud569\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\ub4e4\uc740 \uc774\ub7ec\ud55c \ub450 \uac00\uc9c0 \uace0\uac1d\uce35\uc744 \uaca8\ub0e5\ud574 \ucc28\ubcc4\ud654\ub41c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c\ub294 \uc571 \uc804\uc6a9 \ud61c\ud0dd\uc774\ub098 \uc774\ubca4\ud2b8\ub97c, \ubc29\ubb38 \uac00\uc785\uc790\uc5d0\uac8c\ub294 \ub9de\ucda4\ud615 \uc0c1\ub2f4 \uc11c\ube44\uc2a4\ub098 \ud2b9\ubcc4\ud55c \uacbd\ud488\uc744 \uc81c\uacf5\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \uc798 \ube44\uad50\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub354 \uc801\ud569\ud55c \ubc29\ubc95\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc740 \uac04\ud3b8\ud558\uace0 \uc2e0\uc18d\ud55c \uc7a5\uc810\uc774 \uc788\uc73c\uba70, \ubc29\ubb38 \uac00\uc785\uc740 \ubcf4\ub2e4 \uac1c\uc778\uc801\uc778 \uc0c1\ub2f4\uacfc \uc2e0\ub8b0\uac10\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uac01 \ubc29\uc2dd\uc758 \uc7a5\ub2e8\uc810\uc744 \uc798 \uc774\ud574\ud558\uace0 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \uc911\uc694\ud55c \uc694\uc18c\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa8\ubc14\uc77c \uac00\uc785\uc740 ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \ube60\ub974\uace0 \uac04\ud3b8\ud55c \uc808\ucc28\uc640 \ub2e4\uc591\ud55c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ubaa8\ubc14\uc77c \uac00\uc785\uc758 \uc8fc\uc694 \ud61c\ud0dd \uc911 \ud558\ub098\ub294 \uac04\ud3b8\ud55c \uc808\ucc28\uc640 \ube60\ub978 \uac1c\uc124\uc785\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 24\uc2dc\uac04 \ubaa8\ubc14\uc77c\ub85c \uc27d\uac8c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc810\uc744 \ubc29\ubb38\ud560 \ud544\uc694 \uc5c6\uc774 \uba87 \ubd84 \uc548\uc5d0 \uacc4\uc88c \uac1c\uc124\uc774 \uc644\ub8cc\ub418\ubbc0\ub85c, \ubc14\uc05c \uc77c\uc815\uc744 \uac00\uc9c4 \ud604\ub300\uc778\ub4e4\uc5d0\uac8c \ub9e4\uc6b0 \ud3b8\ub9ac\ud55c \uc120\ud0dd\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac04\ud3b8\ud568 \ub355\ubd84\uc5d0 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ubaa8\ubc14\uc77c\uc744 \ud1b5\ud574 ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, \uc218\uc218\ub8cc \uc6b0\ub300\uc640 \ub9ac\uc6cc\ub4dc \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \uad6d\ub0b4 \uc8fc\uc2dd \ub9e4\ub9e4 \uc218\uc218\ub8cc\ub97c \ud3c9\uc0dd \uc6b0\ub300\ud574\uc8fc\ub294 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \uac70\ub798 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc131\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc77c\ubd80 \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \ubaa8\ubc14\uc77c \uc804\uc6a9 \ub9ac\uc6cc\ub4dc \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud558\uc5ec \ud604\uae08 \uc9c0\uae09\uc774\ub098 \uc0c1\ud488\uad8c \uc99d\uc815 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uace0\uac1d\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc774\uc775\uc744 \uc81c\uacf5\ud558\uc5ec \ubaa8\ubc14\uc77c \uac00\uc785\uc744 \ub354\uc6b1 \ub9e4\ub825\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \uc90d\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \ubaa8\ubc14\uc77c\uc744 \ud1b5\ud574 \uc911\uac1c\ud615 ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uba74 ETF\uc640 \uc8fc\uc2dd \uac70\ub798 \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \ud50c\ub7ab\ud3fc\uc744 \uc774\uc6a9\ud558\uba74 \ube60\ub974\uac8c \uc2dc\uc7a5\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uace0, \uc989\uac01\uc801\uc778 \uac70\ub798\uac00 \uac00\ub2a5\ud558\ubbc0\ub85c \ud22c\uc790 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uacf5\ubaa8\uc8fc \uccad\uc57d\uc5d0\ub3c4 \uc720\ub9ac\ud558\uac8c \uc811\uadfc\ud560 \uc218 \uc788\uc5b4, \uace0\uac1d\uc740 \ub2e4\uc591\ud55c \ud22c\uc790 \uae30\ud68c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.irp-finance.com\/isa-%ea%b3%84%ec%a2%8c-%ea%b0%9c%ec%84%a4-%ec%9d%b4%eb%b2%a4%ed%8a%b8\/#google_vignette\" target=\"_blank\" rel=\"noreferrer noopener\">ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8<\/a> \uc774\ub7ec\ud55c \uc810\ub4e4\uc740 \ubaa8\ubc14\uc77c \uac00\uc785\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \uc720\ub9ac\ud55c \uc120\ud0dd\uc784\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubaa8\ubc14\uc77c \uac00\uc785\uc5d0\ub294 \ud55c\uacc4\uc810\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uac00\uc7a5 \ud070 \ub2e8\uc810\uc740 \uc804\ubb38\uac00\uc640\uc758 \uc9c1\uc811 \uc0c1\ub2f4\uc774 \uc5b4\ub835\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. ISA \uacc4\uc88c\uc640 \uad00\ub828\ub41c \uc138\uc81c \ud61c\ud0dd\uc774\ub098 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub300\ud574 \ub354 \uae4a\uc774 \uc774\ud574\ud558\uace0 \uc2f6\uc5b4\ub3c4, \ubaa8\ubc14\uc77c \ud50c\ub7ab\ud3fc\uc5d0\uc11c\ub294 \ucda9\ubd84\ud55c \uc815\ubcf4\ub97c \uc5bb\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ubcf5\uc7a1\ud55c \uc138\uc81c \uad00\ub828 \uc9c8\ubb38\uc774\ub098 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uc744 \uc6d0\ud560 \uacbd\uc6b0, \uc9c1\uc811 \uc0c1\ub2f4\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ubc29\ubb38 \uc804\uc6a9 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub294 \ud2b9\uc815 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ucc38\uc5ec\ud560 \uc218 \uc788\uc73c\uba70, \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \ub193\uce60 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubc29\ubb38 \uac00\uc785\uc790\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\ub294 \ud2b9\ubcc4\ud55c \uacbd\ud488\uc774\ub098 \uc0c1\ub2f4 \uc11c\ube44\uc2a4\ub294 \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc740 \ud2b9\uc815 \ud61c\ud0dd\uc744 \ub193\uce58\uac8c \ub420 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc774\ub97c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc29\ubb38 \uac00\uc785\uc740 ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \ub9de\ucda4\ud615 \uc0c1\ub2f4\uacfc \uc804\uc6a9 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc720\uc6a9\ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ubc29\ubb38 \uac00\uc785\uc758 \uc8fc\uc694 \ud61c\ud0dd \uc911 \ud558\ub098\ub294 \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4\uc785\ub2c8\ub2e4. \uace0\uac1d\uc774 \uc9c0\uc810\uc5d0 \ubc29\ubb38\ud558\uba74 \uae08\uc735 \uc804\ubb38\uac00\uc640 \uc9c1\uc811 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub9de\ub294 ISA \uacc4\uc88c\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ubcf5\uc7a1\ud55c \uc808\uc138 \uc804\ub7b5\uc774\ub098 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uace0\uc790 \ud560 \ub54c \uc774\ub7ec\ud55c \ub9de\ucda4\ud615 \uc0c1\ub2f4\uc740 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ud1b5\ud574 \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, \ubc29\ubb38 \uc804\uc6a9 \uc774\ubca4\ud2b8\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc740 \ubc29\ubb38 \uace0\uac1d\uc744 \ub300\uc0c1\uc73c\ub85c \ud2b9\ubcc4\ud55c \uacbd\ud488 \uc774\ubca4\ud2b8\ub97c \uc81c\uacf5\ud558\uba70, \ub354 \ud070 \uae08\uc561\uc758 \uc0c1\ud488\uad8c\uc774\ub098 \uacf5\ubaa8\uc8fc \uccad\uc57d \ud55c\ub3c4 \uc0c1\ud5a5 \ub4f1\uc758 \ud61c\ud0dd\uc744 \ub9c8\ub828\ud574 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc804\uc6a9 \ud61c\ud0dd\uc740 \ubc29\ubb38 \uac00\uc785 \uace0\uac1d\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\ubbc0\ub85c, \uace0\uac1d\uc740 \uc77c\ubc18\uc801\uc778 \ud61c\ud0dd\ubcf4\ub2e4 \ub354 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub294 \uace0\uac1d\uc758 \ucc38\uc5ec\ub97c \uc720\ub3c4\ud558\uace0, \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uad00\uc2ec\uc744 \ub192\uc774\ub294 \ub370\ub3c4 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \ubc29\ubb38\uc744 \ud1b5\ud574 \uc2e0\ub8b0\uc640 \uc548\uc815\uc131\uc744 \uc81c\uacf5\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\uc774 \uc9c1\uc811 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uba74\uc11c \uae08\uc735\uae30\uad00\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uc313\uace0, \uc758\ubb38 \uc0ac\ud56d\uc744 \uc989\uc2dc \ud574\uacb0\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc9c1\uc811 \ub300\uba74 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uae08\uc735\uae30\uad00\uc758 \uc11c\ube44\uc2a4\uc640 \uc2e0\ub8b0\ub3c4\ub97c \ud3c9\uac00\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uad00\uacc4\ub97c \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uace0\uac1d\uc740 \uad81\uae08\ud55c \uc810\uc744 \uc989\uc2dc \ubb38\uc758\ud558\uace0, \uc0c1\ub300\ubc29\uc758 \ubc18\uc751\uc744 \ud655\uc778\ud568\uc73c\ub85c\uc368 \ubcf4\ub2e4 \ud655\uc2e0\uc744 \uac00\uc9c0\uace0 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubc29\ubb38 \uac00\uc785\uc5d0\ub3c4 \ud55c\uacc4\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \uc2dc\uac04\uacfc \ube44\uc6a9\uc774 \uc18c\uc694\ub41c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc9c0\uc810\uc5d0 \ubc29\ubb38\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc774\ub3d9 \uc2dc\uac04\uacfc \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\uba70, \uc9c1\uc7a5\uc778 \ub4f1 \uc2dc\uac04\uc801 \uc5ec\uc720\uac00 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c\ub294 \ubd88\ud3b8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\uc05c \uc77c\uc815\uc744 \uac00\uc9c4 \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \uc810 \ub54c\ubb38\uc5d0 \ubc29\ubb38 \uac00\uc785\uc744 \uae30\ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ubaa8\ubc14\uc77c \uc804\uc6a9 \uc774\ubca4\ud2b8\uc5d0 \ucc38\uc5ec\ud558\uc9c0 \ubabb\ud574 \uc77c\ubd80 \ud61c\ud0dd\uc744 \ub193\uce60 \uc704\ud5d8\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc774 \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \ud2b9\ubcc4\ud55c \ud61c\ud0dd\uc774\ub098 \uc774\ubca4\ud2b8\uac00 \uc874\uc7ac\ud558\ub294\ub370, \ubc29\ubb38 \uac00\uc785\uc790\ub294 \uc774\ub7ec\ud55c \uae30\ud68c\ub97c \ub193\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\ub294 \ud560\uc778 \ud61c\ud0dd\uc774\ub098 \ub9ac\uc6cc\ub4dc \uc774\ubca4\ud2b8\ub294 \ubc29\ubb38 \uac00\uc785\uc790\uc5d0\uac8c\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uace0\uac1d\uc740 \ucd5c\uc801\uc758 \ud61c\ud0dd\uc744 \ub193\uce58\uac8c \ub418\ub294 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\uc735\uae30\uad00\ubcc4 \ubaa8\ubc14\uc77c \ubc0f \ubc29\ubb38 \uac00\uc785 \ud61c\ud0dd\uc744 \ube44\uad50\ud574\ubcf4\uba74, \uac01 \uae30\uad00\ub9c8\ub2e4 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \ud61c\ud0dd\uc774 \ub2e4\uc18c \uc0c1\uc774\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 \ubaa8\ubc14\uc77c \uac00\uc785 \uc2dc \uc0c1\ud488\uad8c\uacfc \uc218\uc218\ub8cc \uc6b0\ub300 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \ubaa8\ubc14\uc77c\ub85c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c \uc2e4\uc9c8\uc801\uc778 \uae08\uc804\uc801 \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c, \ubc29\ubb38 \uace0\uac1d\uc5d0\uac8c\ub294 \ucd94\uac00 \uacbd\ud488 \uc774\ubca4\ud2b8\uac00 \uc81c\uacf5\ub418\uc5b4, \uc9c1\uc811 \ubc29\ubb38\ud558\uc5ec \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uace0\uac1d\uc5d0\uac8c\ub3c4 \ud61c\ud0dd\uc744 \ubd80\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\uc591\ud55c \ud61c\ud0dd\uc740 \uace0\uac1d\uc758 \uc120\ud0dd \ud3ed\uc744 \ub113\ud788\uace0, \uac01 \uace0\uac1d\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, KB\uc99d\uad8c\uc740 \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc744 \ub300\uc0c1\uc73c\ub85c ETF \uac70\ub798 \uc6b0\ub300 \ud61c\ud0dd\uacfc \ubb38\ud654\uc0c1\ud488\uad8c \uc9c0\uae09 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc774\ub294 \ubaa8\ubc14\uc77c\ub85c \uac00\uc785\ud55c \uace0\uac1d\uc774 ETF \uac70\ub798\ub97c \ud1b5\ud574 \ub354 \ub9ce\uc740 \uc774\uc775\uc744 \ub204\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\ub294 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \ubc18\uba74, \ubc29\ubb38 \uc2dc\uc5d0\ub294 \ucd94\uac00 \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud558\uc5ec, \uace0\uac1d\uc774 \uc9c1\uc811 \uc9c0\uc810\uc744 \ubc29\ubb38\ud588\uc744 \ub54c\ub3c4 \ub9cc\uc871\ud560 \uc218 \uc788\ub294 \ud61c\ud0dd\uc744 \ub9c8\ub828\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucc28\ubcc4\ud654\ub41c \ud61c\ud0dd\uc740 \uac01 \uace0\uac1d\uc774 \uc120\ud638\ud558\ub294 \uac00\uc785 \ubc29\uc2dd\uc744 \uc120\ud0dd\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ub370 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc740 \uacf5\ubaa8\uc8fc \uccad\uc57d \ud55c\ub3c4 \uc0c1\ud5a5 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \ud61c\ud0dd\uc740 \ud2b9\ud788 \uacf5\ubaa8\uc8fc \ud22c\uc790\uc5d0 \uad00\uc2ec\uc774 \ub9ce\uc740 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc740 \ubaa8\ubc14\uc77c\uacfc \ubc29\ubb38 \ubaa8\ub450\uc5d0\uc11c \ub2e4\uc591\ud55c \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud558\uc5ec, \uace0\uac1d\uc774 \uc5b4\ub5a4 \ubc29\uc2dd\uc73c\ub85c \uac00\uc785\ud558\ub354\ub77c\ub3c4 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\ub3c4\ub85d \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud3ec\uad04\uc801\uc778 \uc811\uadfc\uc740 \uace0\uac1d\uc758 \ub2e4\uc591\ud55c \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uac01 \uae08\uc735\uae30\uad00\uc740 \ubaa8\ubc14\uc77c \ubc0f \ubc29\ubb38 \uac00\uc785\uc5d0 \ub300\ud574 \uc11c\ub85c \ub2e4\ub978 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \ud61c\ud0dd\ub4e4\uc744 \ube44\uad50\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\uc5d0\ub3c4 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uace0\uac1d\uc740 \uac01 \uae08\uc735\uae30\uad00\uc758 \ud61c\ud0dd\uc744 \uc798 \ud30c\uc545\ud558\uace0, \uc790\uc2e0\uc758 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uacfc \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \ubaa8\ubc14\uc77c\uacfc \ubc29\ubb38 \uac00\uc785 \uc911 \uc5b4\ub5a4 \ubc29\uc2dd\uc774 \ub354 \uc720\ub9ac\ud55c\uc9c0\ub294 \uac1c\uc778\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ubc29\uc2dd\uc758 \uc7a5\uc810\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uae30 \uc704\ud574\uc11c\ub294 \uae08\uc735\uae30\uad00\uc758 \uc774\ubca4\ud2b8\uc640 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc774 \uc801\ud569\ud55c \uacbd\uc6b0\ub294 \uc5ec\ub7ec \uac00\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \ube60\ub974\uace0 \uac04\ud3b8\ud55c \uc808\ucc28\ub97c \uc120\ud638\ud558\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc740 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 24\uc2dc\uac04 \uac00\ub2a5\ud558\uba70, \uc9c0\uc810 \ubc29\ubb38 \uc5c6\uc774 \uba87 \ubd84 \ub9cc\uc5d0 \uacc4\uc88c \uac1c\uc124\uc774 \uc644\ub8cc\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac04\ud3b8\ud568\uc740 \ubc14\uc05c \uc77c\uc815\uc744 \uac00\uc9c4 \ud22c\uc790\uc790\uc5d0\uac8c \ud070 \uc7a5\uc810\uc774 \ub429\ub2c8\ub2e4. \ub458\uc9f8, \uc218\uc218\ub8cc \uc808\uac10\uacfc \ub2e4\uc591\ud55c \ubaa8\ubc14\uc77c \ub9ac\uc6cc\ub4dc\ub97c \ubc1b\uace0 \uc2f6\uc740 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc740 \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c \uc218\uc218\ub8cc \uc6b0\ub300 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \ud604\uae08 \uc9c0\uae09\uc774\ub098 \uc0c1\ud488\uad8c \uc99d\uc815\uacfc \uac19\uc740 \ucd94\uac00\uc801\uc778 \ub9ac\uc6cc\ub4dc \ud61c\ud0dd\uc744 \ub9c8\ub828\ud574 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc131\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, ETF \ubc0f \uc8fc\uc2dd \ud22c\uc790\ub97c \uc8fc\ub85c \ud65c\uc6a9\ud558\ub824\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc744 \ud1b5\ud574 \uc989\uac01\uc801\uc73c\ub85c \uac70\ub798\ub97c \uc2e4\ud589\ud560 \uc218 \uc788\uc5b4, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ube60\ub974\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ubc29\ubb38 \uac00\uc785\uc774 \uc720\ub9ac\ud55c \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \ud22c\uc790 \uc0c1\ub2f4\uacfc \ub9de\ucda4\ud615 \uc804\ub7b5 \uc81c\uc548\uc744 \uc6d0\ud558\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc9c1\uc811 \uae08\uc735 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud568\uc73c\ub85c\uc368 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ubcf5\uc7a1\ud55c \uc138\uc81c \ud61c\ud0dd\uc774\ub098 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uace0\uc790 \ud560 \ub54c, \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc740 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uacf5\ubaa8\uc8fc \uccad\uc57d \uc6b0\ub300\uc640 \uac19\uc740 \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud558\uace0 \uc2f6\uc740 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ubc29\ubb38 \uac00\uc785 \uc2dc \ud2b9\uc815 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uacf5\ubaa8\uc8fc \uccad\uc57d \ud55c\ub3c4 \uc0c1\ud5a5 \ud61c\ud0dd\uc744 \ud1b5\ud574 \ub354 \ub9ce\uc740 \ud22c\uc790 \uae30\ud68c\ub97c \uac00\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \ubc29\ubb38 \uc804\uc6a9 \uacbd\ud488 \uc774\ubca4\ud2b8\ub97c \ud65c\uc6a9\ud558\uace0\uc790 \ud560 \ub54c\uc785\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc740 \ubc29\ubb38 \uace0\uac1d\uc5d0\uac8c\ub9cc \uc81c\uacf5\ud558\ub294 \ud2b9\ubcc4\ud55c \uacbd\ud488\uc774\ub098 \ud61c\ud0dd\uc774 \uc788\uc73c\ubbc0\ub85c, \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub97c \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ISA \uacc4\uc88c \uac1c\uc124\uc740 \ud22c\uc790\uc790\uc758 \ubaa9\ud45c\uc640 \ud544\uc694\uc5d0 \ub530\ub77c \ubaa8\ubc14\uc77c\uacfc \ubc29\ubb38 \uac00\uc785\uc744 \uc801\uc808\ud788 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uac04\ud3b8\ud55c \ubaa8\ubc14\uc77c \uac00\uc785\uc744 \ud1b5\ud574 \uae30\ubcf8\uc801\uc778 \uc808\uc138\uc640 \uc218\uc218\ub8cc \ud61c\ud0dd\uc744 \ub204\ub9ac\uba74\uc11c\ub3c4, \ud544\uc694\ud55c \uacbd\uc6b0 \ubc29\ubb38 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud22c\uc790 \uc804\ub7b5\uc744 \ucd5c\uc801\ud654\ud558\ub294 \ubc29\uc2dd\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.\ub610\ud55c, \uac01 \uae08\uc735\uae30\uad00\uc758 \uc774\ubca4\ud2b8\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\uc5ec \ucd5c\uc801\uc758 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc2dc\uc810\uc5d0 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 ISA\uc758 \uc808\uc138 \ud61c\ud0dd\uacfc \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ISA(Individual Savings Account) \uacc4\uc88c\ub294 \uc608\uae08, \ud380\ub4dc, ETF \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc744 \ud55c \uacc4\uc88c\uc5d0 \ud1b5\ud569 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uc720\uc6a9\ud55c \uae08\uc735 \ub3c4\uad6c\ub85c, \uc808\uc138 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud574 \ub9ce\uc740 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, 2024\ub144\uc5d0\ub294 \uae08\uc735\uae30\uad00\ub4e4\uc774 \uc2e0\uaddc \uace0\uac1d \uc720\uce58\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc73c\uba70, \uc774 \uacfc\uc815\uc5d0\uc11c \ubaa8\ubc14\uc77c \uac00\uc785\uacfc \ubc29\ubb38 \uac00\uc785\uc758 \uc120\ud0dd\uc774 \uc911\uc694\ud55c \uc774\uc288\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ubc29\uc2dd\uc758 \ud61c\ud0dd\uacfc \ud55c\uacc4\ub97c \uc0b4\ud3b4\ubcf4\uace0, \uc5b4\ub5a4 \uc0c1\ud669\uc5d0\uc11c \ub354 \uc720\ub9ac\ud55c\uc9c0 \ubd84\uc11d\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. https:\/\/www.nytimes.com\/search?dropmab=true&amp;query=ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8 ISA \uacc4\uc88c \uac1c\uc124 \ud2b8\ub80c\ub4dc\ub294 \ucd5c\uadfc \uba87 \ub144 \uac04 \ub9ce\uc740 \ubcc0\ud654\uac00 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. ISA\ub294 \uc138\uc81c \ud61c\ud0dd\uacfc \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \ud6a8\uc728\uc131\uc744 \uc81c\uacf5\ud558\ub294 \uae08\uc735\uc0c1\ud488\uc73c\ub85c, \uc810\uc810 \ub354 \ub9ce\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc778\uae30\ub97c \ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc778\uae30\uc5d0 \ud798\uc785\uc5b4 \uae08\uc735\uae30\uad00\ub4e4\uc740 \uace0\uac1d \uc720\uce58\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \uc774\ubca4\ud2b8\uc640 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc218\uc218\ub8cc \uba74\uc81c, \uacbd\ud488 \uc9c0\uae09, \uacf5\ubaa8\uc8fc \uccad\uc57d \uc6b0\ub300 \ub4f1\uc758 \ud61c\ud0dd\uc744 \ub0b4\uc138\uc6cc \uace0\uac1d\uc758 \uad00\uc2ec\uc744 \ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\uc7c1\uc801\uc778 \ud61c\ud0dd\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ubcf4\ub2e4 \ub9e4\ub825\uc801\uc778 \uc120\ud0dd\uc9c0\ub97c \uc81c\uacf5\ud568\uc73c\ub85c\uc368, ISA \uacc4\uc88c \uac1c\uc124\uc744 \ub354\uc6b1 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c \ud22c\uc790\uc790\ub4e4\uc740 \ub2e4\uc591\ud55c \uc120\ud0dd\uc9c0\ub97c \uace0\ub824\ud558\uac8c \ub429\ub2c8\ub2e4. \ud2b9\ud788 \ubaa8\ubc14\uc77c \ucc44\ub110\uc758 \uc131\uc7a5\uc740 \ube44\ub300\uba74 \uacc4\uc88c \uac1c\uc124\uc744 \uc77c\ubc18\ud654\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\ub4e4\uc774 \ubaa8\ubc14\uc77c \uc571\uc774\ub098 \uc6f9\uc0ac\uc774\ud2b8\ub97c \ud1b5\ud574 \uc190\uc27d\uac8c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\ub294 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc2dc\uac04\uacfc \uc7a5\uc18c\uc5d0 \uad6c\uc560\ubc1b\uc9c0 \uc54a\uace0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \ud3b8\ub9ac\ud568\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc5ec\uc804\ud788 \ubc29\ubb38 \uac00\uc785\uc744 \uc120\ud638\ud558\ub294 \ud22c\uc790\uc790\ub4e4\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uace0\uac1d\ub4e4\uc740 \uc9c1\uc811 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ubcf4\ub2e4 \uc0c1\uc138\ud55c \uc815\ubcf4\ub97c \uc5bb\uace0, \uc2e0\ub8b0\ub97c \uae30\ubc18\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30\ub97c \uc6d0\ud569\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\ub4e4\uc740 \uc774\ub7ec\ud55c \ub450 \uac00\uc9c0 \uace0\uac1d\uce35\uc744 \uaca8\ub0e5\ud574 \ucc28\ubcc4\ud654\ub41c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c\ub294 \uc571 \uc804\uc6a9 \ud61c\ud0dd\uc774\ub098 \uc774\ubca4\ud2b8\ub97c, \ubc29\ubb38 \uac00\uc785\uc790\uc5d0\uac8c\ub294 \ub9de\ucda4\ud615 \uc0c1\ub2f4 \uc11c\ube44\uc2a4\ub098 \ud2b9\ubcc4\ud55c \uacbd\ud488\uc744 \uc81c\uacf5\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \uc798 \ube44\uad50\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub354 \uc801\ud569\ud55c \ubc29\ubc95\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc740 \uac04\ud3b8\ud558\uace0 \uc2e0\uc18d\ud55c \uc7a5\uc810\uc774 \uc788\uc73c\uba70, \ubc29\ubb38 \uac00\uc785\uc740 \ubcf4\ub2e4 \uac1c\uc778\uc801\uc778 \uc0c1\ub2f4\uacfc \uc2e0\ub8b0\uac10\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uac01 \ubc29\uc2dd\uc758 \uc7a5\ub2e8\uc810\uc744 \uc798 \uc774\ud574\ud558\uace0 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \uc911\uc694\ud55c \uc694\uc18c\uac00 \ub429\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc740 ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \ube60\ub974\uace0 \uac04\ud3b8\ud55c \uc808\ucc28\uc640 \ub2e4\uc591\ud55c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ubaa8\ubc14\uc77c \uac00\uc785\uc758 \uc8fc\uc694 \ud61c\ud0dd \uc911 \ud558\ub098\ub294 \uac04\ud3b8\ud55c \uc808\ucc28\uc640 \ube60\ub978 \uac1c\uc124\uc785\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 24\uc2dc\uac04 \ubaa8\ubc14\uc77c\ub85c \uc27d\uac8c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc810\uc744 \ubc29\ubb38\ud560 \ud544\uc694 \uc5c6\uc774 \uba87 \ubd84 \uc548\uc5d0 \uacc4\uc88c \uac1c\uc124\uc774 \uc644\ub8cc\ub418\ubbc0\ub85c, \ubc14\uc05c \uc77c\uc815\uc744 \uac00\uc9c4 \ud604\ub300\uc778\ub4e4\uc5d0\uac8c \ub9e4\uc6b0 \ud3b8\ub9ac\ud55c \uc120\ud0dd\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac04\ud3b8\ud568 \ub355\ubd84\uc5d0 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ubaa8\ubc14\uc77c\uc744 \ud1b5\ud574 ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, \uc218\uc218\ub8cc \uc6b0\ub300\uc640 \ub9ac\uc6cc\ub4dc \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \uad6d\ub0b4 \uc8fc\uc2dd \ub9e4\ub9e4 \uc218\uc218\ub8cc\ub97c \ud3c9\uc0dd \uc6b0\ub300\ud574\uc8fc\ub294 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \uac70\ub798 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc131\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc77c\ubd80 \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \ubaa8\ubc14\uc77c \uc804\uc6a9 \ub9ac\uc6cc\ub4dc \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud558\uc5ec \ud604\uae08 \uc9c0\uae09\uc774\ub098 \uc0c1\ud488\uad8c \uc99d\uc815 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uace0\uac1d\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc774\uc775\uc744 \uc81c\uacf5\ud558\uc5ec \ubaa8\ubc14\uc77c \uac00\uc785\uc744 \ub354\uc6b1 \ub9e4\ub825\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \uc90d\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \ubaa8\ubc14\uc77c\uc744 \ud1b5\ud574 \uc911\uac1c\ud615 ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uba74 ETF\uc640 \uc8fc\uc2dd \uac70\ub798 \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \ud50c\ub7ab\ud3fc\uc744 \uc774\uc6a9\ud558\uba74 \ube60\ub974\uac8c \uc2dc\uc7a5\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uace0, \uc989\uac01\uc801\uc778 \uac70\ub798\uac00 \uac00\ub2a5\ud558\ubbc0\ub85c \ud22c\uc790 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uacf5\ubaa8\uc8fc \uccad\uc57d\uc5d0\ub3c4 \uc720\ub9ac\ud558\uac8c \uc811\uadfc\ud560 \uc218 \uc788\uc5b4, \uace0\uac1d\uc740 \ub2e4\uc591\ud55c \ud22c\uc790 \uae30\ud68c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8 \uc774\ub7ec\ud55c \uc810\ub4e4\uc740 \ubaa8\ubc14\uc77c \uac00\uc785\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \uc720\ub9ac\ud55c \uc120\ud0dd\uc784\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubaa8\ubc14\uc77c \uac00\uc785\uc5d0\ub294 \ud55c\uacc4\uc810\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uac00\uc7a5 \ud070 \ub2e8\uc810\uc740 \uc804\ubb38\uac00\uc640\uc758 \uc9c1\uc811 \uc0c1\ub2f4\uc774 \uc5b4\ub835\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. ISA \uacc4\uc88c\uc640 \uad00\ub828\ub41c \uc138\uc81c \ud61c\ud0dd\uc774\ub098 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub300\ud574 \ub354 \uae4a\uc774 \uc774\ud574\ud558\uace0 \uc2f6\uc5b4\ub3c4, \ubaa8\ubc14\uc77c \ud50c\ub7ab\ud3fc\uc5d0\uc11c\ub294 \ucda9\ubd84\ud55c \uc815\ubcf4\ub97c \uc5bb\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ubcf5\uc7a1\ud55c \uc138\uc81c \uad00\ub828 \uc9c8\ubb38\uc774\ub098 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uc744 \uc6d0\ud560 \uacbd\uc6b0, \uc9c1\uc811 \uc0c1\ub2f4\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ubc29\ubb38 \uc804\uc6a9 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub294 \ud2b9\uc815 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ucc38\uc5ec\ud560 \uc218 \uc788\uc73c\uba70, \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \ub193\uce60 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubc29\ubb38 \uac00\uc785\uc790\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\ub294 \ud2b9\ubcc4\ud55c \uacbd\ud488\uc774\ub098 \uc0c1\ub2f4 \uc11c\ube44\uc2a4\ub294 \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc740 \ud2b9\uc815 \ud61c\ud0dd\uc744 \ub193\uce58\uac8c \ub420 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc774\ub97c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ubc29\ubb38 \uac00\uc785\uc740 ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \ub9de\ucda4\ud615 \uc0c1\ub2f4\uacfc \uc804\uc6a9 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc720\uc6a9\ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ubc29\ubb38 \uac00\uc785\uc758 \uc8fc\uc694 \ud61c\ud0dd \uc911 \ud558\ub098\ub294 \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4\uc785\ub2c8\ub2e4. \uace0\uac1d\uc774 \uc9c0\uc810\uc5d0 \ubc29\ubb38\ud558\uba74 \uae08\uc735 \uc804\ubb38\uac00\uc640 \uc9c1\uc811 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub9de\ub294 ISA \uacc4\uc88c\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ubcf5\uc7a1\ud55c \uc808\uc138 \uc804\ub7b5\uc774\ub098 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uace0\uc790 \ud560 \ub54c \uc774\ub7ec\ud55c \ub9de\ucda4\ud615 \uc0c1\ub2f4\uc740 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ud1b5\ud574 \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, \ubc29\ubb38 \uc804\uc6a9 \uc774\ubca4\ud2b8\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc740 \ubc29\ubb38 \uace0\uac1d\uc744 \ub300\uc0c1\uc73c\ub85c \ud2b9\ubcc4\ud55c \uacbd\ud488 \uc774\ubca4\ud2b8\ub97c \uc81c\uacf5\ud558\uba70, \ub354 \ud070 \uae08\uc561\uc758 \uc0c1\ud488\uad8c\uc774\ub098 \uacf5\ubaa8\uc8fc \uccad\uc57d \ud55c\ub3c4 \uc0c1\ud5a5 \ub4f1\uc758 \ud61c\ud0dd\uc744 \ub9c8\ub828\ud574 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc804\uc6a9 \ud61c\ud0dd\uc740 \ubc29\ubb38 \uac00\uc785 \uace0\uac1d\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\ubbc0\ub85c, \uace0\uac1d\uc740 \uc77c\ubc18\uc801\uc778 \ud61c\ud0dd\ubcf4\ub2e4 \ub354 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub294 \uace0\uac1d\uc758 \ucc38\uc5ec\ub97c \uc720\ub3c4\ud558\uace0, \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uad00\uc2ec\uc744 \ub192\uc774\ub294 \ub370\ub3c4 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \ubc29\ubb38\uc744 \ud1b5\ud574 \uc2e0\ub8b0\uc640 \uc548\uc815\uc131\uc744 \uc81c\uacf5\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\uc774 \uc9c1\uc811 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uba74\uc11c \uae08\uc735\uae30\uad00\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uc313\uace0, \uc758\ubb38 \uc0ac\ud56d\uc744 \uc989\uc2dc \ud574\uacb0\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc9c1\uc811 \ub300\uba74 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uae08\uc735\uae30\uad00\uc758 \uc11c\ube44\uc2a4\uc640 \uc2e0\ub8b0\ub3c4\ub97c \ud3c9\uac00\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uad00\uacc4\ub97c \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uace0\uac1d\uc740 \uad81\uae08\ud55c \uc810\uc744 \uc989\uc2dc \ubb38\uc758\ud558\uace0, \uc0c1\ub300\ubc29\uc758 \ubc18\uc751\uc744 \ud655\uc778\ud568\uc73c\ub85c\uc368 \ubcf4\ub2e4 \ud655\uc2e0\uc744 \uac00\uc9c0\uace0 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubc29\ubb38 \uac00\uc785\uc5d0\ub3c4 \ud55c\uacc4\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \uc2dc\uac04\uacfc \ube44\uc6a9\uc774 \uc18c\uc694\ub41c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc9c0\uc810\uc5d0 \ubc29\ubb38\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc774\ub3d9 \uc2dc\uac04\uacfc \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\uba70, \uc9c1\uc7a5\uc778 \ub4f1 \uc2dc\uac04\uc801 \uc5ec\uc720\uac00 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c\ub294 \ubd88\ud3b8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\uc05c \uc77c\uc815\uc744 \uac00\uc9c4 \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \uc810 \ub54c\ubb38\uc5d0 \ubc29\ubb38 \uac00\uc785\uc744 \uae30\ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ubaa8\ubc14\uc77c \uc804\uc6a9 \uc774\ubca4\ud2b8\uc5d0 \ucc38\uc5ec\ud558\uc9c0 \ubabb\ud574 \uc77c\ubd80 \ud61c\ud0dd\uc744 \ub193\uce60 \uc704\ud5d8\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc774 \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \ud2b9\ubcc4\ud55c \ud61c\ud0dd\uc774\ub098 \uc774\ubca4\ud2b8\uac00 \uc874\uc7ac\ud558\ub294\ub370, \ubc29\ubb38 \uac00\uc785\uc790\ub294 \uc774\ub7ec\ud55c \uae30\ud68c\ub97c \ub193\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\ub294 \ud560\uc778 \ud61c\ud0dd\uc774\ub098 \ub9ac\uc6cc\ub4dc \uc774\ubca4\ud2b8\ub294 \ubc29\ubb38 \uac00\uc785\uc790\uc5d0\uac8c\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uace0\uac1d\uc740 \ucd5c\uc801\uc758 \ud61c\ud0dd\uc744 \ub193\uce58\uac8c \ub418\ub294 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\ubcc4 \ubaa8\ubc14\uc77c \ubc0f \ubc29\ubb38 \uac00\uc785 \ud61c\ud0dd\uc744 \ube44\uad50\ud574\ubcf4\uba74, \uac01 \uae30\uad00\ub9c8\ub2e4 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \ud61c\ud0dd\uc774 \ub2e4\uc18c \uc0c1\uc774\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 \ubaa8\ubc14\uc77c \uac00\uc785 \uc2dc \uc0c1\ud488\uad8c\uacfc \uc218\uc218\ub8cc \uc6b0\ub300 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \ubaa8\ubc14\uc77c\ub85c \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c \uc2e4\uc9c8\uc801\uc778 \uae08\uc804\uc801 \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c, \ubc29\ubb38 \uace0\uac1d\uc5d0\uac8c\ub294 \ucd94\uac00 \uacbd\ud488 \uc774\ubca4\ud2b8\uac00 \uc81c\uacf5\ub418\uc5b4, \uc9c1\uc811 \ubc29\ubb38\ud558\uc5ec \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uace0\uac1d\uc5d0\uac8c\ub3c4 \ud61c\ud0dd\uc744 \ubd80\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\uc591\ud55c \ud61c\ud0dd\uc740 \uace0\uac1d\uc758 \uc120\ud0dd \ud3ed\uc744 \ub113\ud788\uace0, \uac01 \uace0\uac1d\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, KB\uc99d\uad8c\uc740 \ubaa8\ubc14\uc77c \uac00\uc785 \uace0\uac1d\uc744 \ub300\uc0c1\uc73c\ub85c ETF \uac70\ub798 \uc6b0\ub300 \ud61c\ud0dd\uacfc \ubb38\ud654\uc0c1\ud488\uad8c \uc9c0\uae09 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc774\ub294 \ubaa8\ubc14\uc77c\ub85c \uac00\uc785\ud55c \uace0\uac1d\uc774 ETF \uac70\ub798\ub97c \ud1b5\ud574 \ub354 \ub9ce\uc740 \uc774\uc775\uc744 \ub204\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\ub294 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \ubc18\uba74, \ubc29\ubb38 \uc2dc\uc5d0\ub294 \ucd94\uac00 \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud558\uc5ec, \uace0\uac1d\uc774 \uc9c1\uc811 \uc9c0\uc810\uc744 \ubc29\ubb38\ud588\uc744 \ub54c\ub3c4 \ub9cc\uc871\ud560 \uc218 \uc788\ub294 \ud61c\ud0dd\uc744 \ub9c8\ub828\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucc28\ubcc4\ud654\ub41c \ud61c\ud0dd\uc740 \uac01 \uace0\uac1d\uc774 \uc120\ud638\ud558\ub294 \uac00\uc785 \ubc29\uc2dd\uc744 \uc120\ud0dd\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ub370 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc740 \uacf5\ubaa8\uc8fc \uccad\uc57d \ud55c\ub3c4 \uc0c1\ud5a5 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \ud61c\ud0dd\uc740 \ud2b9\ud788 \uacf5\ubaa8\uc8fc \ud22c\uc790\uc5d0 \uad00\uc2ec\uc774 \ub9ce\uc740 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c\uc740 \ubaa8\ubc14\uc77c\uacfc \ubc29\ubb38 \ubaa8\ub450\uc5d0\uc11c \ub2e4\uc591\ud55c \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud558\uc5ec, \uace0\uac1d\uc774 \uc5b4\ub5a4 \ubc29\uc2dd\uc73c\ub85c \uac00\uc785\ud558\ub354\ub77c\ub3c4 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\ub3c4\ub85d \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud3ec\uad04\uc801\uc778 \uc811\uadfc\uc740 \uace0\uac1d\uc758 \ub2e4\uc591\ud55c \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uac01 \uae08\uc735\uae30\uad00\uc740 \ubaa8\ubc14\uc77c \ubc0f \ubc29\ubb38 \uac00\uc785\uc5d0 \ub300\ud574 \uc11c\ub85c \ub2e4\ub978 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \ud61c\ud0dd\ub4e4\uc744 \ube44\uad50\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\uc5d0\ub3c4 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uace0\uac1d\uc740 \uac01 \uae08\uc735\uae30\uad00\uc758 \ud61c\ud0dd\uc744 \uc798 \ud30c\uc545\ud558\uace0, \uc790\uc2e0\uc758 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uacfc \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. ISA \uacc4\uc88c \uac1c\uc124 \uc2dc \ubaa8\ubc14\uc77c\uacfc \ubc29\ubb38 \uac00\uc785 \uc911 \uc5b4\ub5a4 \ubc29\uc2dd\uc774 \ub354 \uc720\ub9ac\ud55c\uc9c0\ub294 \uac1c\uc778\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ubc29\uc2dd\uc758 \uc7a5\uc810\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uae30 \uc704\ud574\uc11c\ub294 \uae08\uc735\uae30\uad00\uc758 \uc774\ubca4\ud2b8\uc640 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc774 \uc801\ud569\ud55c \uacbd\uc6b0\ub294 \uc5ec\ub7ec \uac00\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \ube60\ub974\uace0 \uac04\ud3b8\ud55c \uc808\ucc28\ub97c \uc120\ud638\ud558\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc740 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 24\uc2dc\uac04 \uac00\ub2a5\ud558\uba70, \uc9c0\uc810 \ubc29\ubb38 \uc5c6\uc774 \uba87 \ubd84 \ub9cc\uc5d0 \uacc4\uc88c \uac1c\uc124\uc774 \uc644\ub8cc\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac04\ud3b8\ud568\uc740 \ubc14\uc05c \uc77c\uc815\uc744 \uac00\uc9c4 \ud22c\uc790\uc790\uc5d0\uac8c \ud070 \uc7a5\uc810\uc774 \ub429\ub2c8\ub2e4. \ub458\uc9f8, \uc218\uc218\ub8cc \uc808\uac10\uacfc \ub2e4\uc591\ud55c \ubaa8\ubc14\uc77c \ub9ac\uc6cc\ub4dc\ub97c \ubc1b\uace0 \uc2f6\uc740 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc740 \ubaa8\ubc14\uc77c \uac00\uc785\uc790\uc5d0\uac8c \uc218\uc218\ub8cc \uc6b0\ub300 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \ud604\uae08 \uc9c0\uae09\uc774\ub098 \uc0c1\ud488\uad8c \uc99d\uc815\uacfc \uac19\uc740 \ucd94\uac00\uc801\uc778 \ub9ac\uc6cc\ub4dc \ud61c\ud0dd\uc744 \ub9c8\ub828\ud574 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc131\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, ETF \ubc0f \uc8fc\uc2dd \ud22c\uc790\ub97c \uc8fc\ub85c \ud65c\uc6a9\ud558\ub824\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uac00\uc785\uc744 \ud1b5\ud574 \uc989\uac01\uc801\uc73c\ub85c \uac70\ub798\ub97c \uc2e4\ud589\ud560 \uc218 \uc788\uc5b4, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ube60\ub974\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ubc29\ubb38 \uac00\uc785\uc774 \uc720\ub9ac\ud55c \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \ud22c\uc790 \uc0c1\ub2f4\uacfc \ub9de\ucda4\ud615 \uc804\ub7b5 \uc81c\uc548\uc744 \uc6d0\ud558\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc9c1\uc811 \uae08\uc735 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud568\uc73c\ub85c\uc368 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ubcf5\uc7a1\ud55c \uc138\uc81c \ud61c\ud0dd\uc774\ub098 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uace0\uc790 \ud560 \ub54c, \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc740 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uacf5\ubaa8\uc8fc \uccad\uc57d \uc6b0\ub300\uc640 \uac19\uc740 \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud558\uace0 \uc2f6\uc740 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ubc29\ubb38 \uac00\uc785 \uc2dc \ud2b9\uc815 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uacf5\ubaa8\uc8fc \uccad\uc57d \ud55c\ub3c4 \uc0c1\ud5a5 \ud61c\ud0dd\uc744 \ud1b5\ud574 \ub354 \ub9ce\uc740 \ud22c\uc790 \uae30\ud68c\ub97c \uac00\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \ubc29\ubb38 \uc804\uc6a9 \uacbd\ud488 \uc774\ubca4\ud2b8\ub97c \ud65c\uc6a9\ud558\uace0\uc790 \ud560 \ub54c\uc785\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc740 \ubc29\ubb38 \uace0\uac1d\uc5d0\uac8c\ub9cc \uc81c\uacf5\ud558\ub294 \ud2b9\ubcc4\ud55c \uacbd\ud488\uc774\ub098 \ud61c\ud0dd\uc774 \uc788\uc73c\ubbc0\ub85c, \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub97c \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c \uac1c\uc124\uc740 \ud22c\uc790\uc790\uc758 \ubaa9\ud45c\uc640 \ud544\uc694\uc5d0 \ub530\ub77c \ubaa8\ubc14\uc77c\uacfc \ubc29\ubb38 \uac00\uc785\uc744 \uc801\uc808\ud788 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uac04\ud3b8\ud55c \ubaa8\ubc14\uc77c \uac00\uc785\uc744 \ud1b5\ud574 \uae30\ubcf8\uc801\uc778 \uc808\uc138\uc640 \uc218\uc218\ub8cc \ud61c\ud0dd\uc744 \ub204\ub9ac\uba74\uc11c\ub3c4, \ud544\uc694\ud55c \uacbd\uc6b0 \ubc29\ubb38 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud22c\uc790 \uc804\ub7b5\uc744 \ucd5c\uc801\ud654\ud558\ub294 \ubc29\uc2dd\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.\ub610\ud55c, \uac01 \uae08\uc735\uae30\uad00\uc758 \uc774\ubca4\ud2b8\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\uc5ec \ucd5c\uc801\uc758 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc2dc\uc810\uc5d0 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 ISA\uc758 \uc808\uc138 \ud61c\ud0dd\uacfc \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-51","post","type-post","status-publish","format-standard","hentry","category-5"],"_links":{"self":[{"href":"https:\/\/femtb.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/51","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/femtb.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/femtb.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/femtb.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/femtb.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51"}],"version-history":[{"count":1,"href":"https:\/\/femtb.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/51\/revisions"}],"predecessor-version":[{"id":52,"href":"https:\/\/femtb.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/51\/revisions\/52"}],"wp:attachment":[{"href":"https:\/\/femtb.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/femtb.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/femtb.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}