{"id":1779,"date":"2023-06-15T05:04:53","date_gmt":"2023-06-15T05:04:53","guid":{"rendered":"https:\/\/ihavenomoney.co.kr\/?p=1779"},"modified":"2026-01-20T01:14:11","modified_gmt":"2026-01-20T01:14:11","slug":"%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-%eb%b6%84%ec%84%9d","status":"publish","type":"post","link":"https:\/\/ihavenomoney.co.kr\/?p=1779","title":{"rendered":"\ud1f4\uc9c1\uc5f0\uae08 \ubd84\uc11d"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Overview : \uc5b4\ub824\uc6b4 \uc6a9\uc5b4 \uc27d\uac8c \ud480\uc5b4\ubcf4\uc790 <\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DB \ud615 : \ud655\uc815\uae09\uc5ec\ud589 \/\/\uc9c1\uc6d0\uc774 \uc18d\ud55c \uae30\uc5c5\uc774 \uc9c0\uc6d0\ud1f4\uc9c1\ud560\ub54c 30\uc77c\ubd84 \ud3c9\uade0\uc784\uae08\uc73c\ub85c   \uacc4\uc0b0\ud558\uc5ec \ud1f4\uc9c1\uae08\uc744 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4\uc5d0 \uc774\uc804\uc2dc\ud0b4(\uc61b\ub0a0\ubc29\uc2dd)<\/li>\n\n\n\n<li>DC \ud615 : \ud655\uc815\uae30\uc5ec\ud615 \/\/ \uadfc\ub85c\uae30\uac04\uc911 \uae30\uc5c5\uc774 \uc784\uae08\uc758 1\/12\uc744   \uc790\uc0b0\uc6b4\uc601\uc0ac\uc5d0 \ub118\uaca8 \uc6b4\uc601\ud558\ub294 \ubc29\uc2dd (\uc120\uc9c4\uad6d\ubc29\uc2dd)<\/li>\n\n\n\n<li>IRP \ud615 :  \ud1f4\uc9c1, \uc774\uc9c1\uc2dc \ud1f4\uc9c1\uae08\uc744 \uac1c\uc778\uc774 \uac1c\uc124\ud55c \uacc4\uc88c\uc5d0\uc11c  \uc6b4\uc601\ud558\ub294 \uc81c\ub3c4 <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uc704\ud5d8 \uc790\uc0b0 \ud55c\ub3c4 \ucd08\uacfc \ubb38\uc790 \uba54\uc2dc\uc9c0\uc758 \uc758\ubbf8<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc8fc\uc694 \uc6d0\uc778<\/strong>: \ubcf4\uc720 \uc911\uc778 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub098 \uc8fc\uc2dd\ud615 ETF\uc758 \ud3c9\uac00\uc561\uc774 \ub192\uc544\uc838 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c \uc704\ud5d8\uc790\uc0b0(\uc8fc\uc2dd, \uc8fc\uc2dd\ud615 \ud380\ub4dc, ETF, \ud558\uc774\uc77c\ub4dc \ucc44\uad8c \ub4f1) \ube44\uc911\uc774 70%\ub97c \ucd08\uacfc\ud588\uc744 \ub54c \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubc1c\uc0dd \uc2dc\uc810<\/strong>: \uc801\ub9bd\uae08\uc774 \ub4e4\uc5b4\uc654\uc744 \ub54c\ub098, \uc704\ud5d8\uc790\uc0b0 \ub9e4\uc218\/\ub9e4\ub3c4 \uc2dc \uc81c\uc57d\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc5b4 \ubbf8\ub9ac \uc54c\ub824\uc8fc\ub294 \uac83\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubc18\uac00\uc6b4 \uc2e0\ud638<\/strong>: \uc2dc\uc7a5\uc774 \uc88b\uc544\uc11c \uc704\ud5d8\uc790\uc0b0\uc758 \uc218\uc775\ub960\uc774 \ub192\uc544\uc84c\ub2e4\ub294 \ub73b\uc774\ubbc0\ub85c, \uae30\ubd84 \uc88b\uc740 \uc54c\ub9bc\uc77c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc6d0\uc778<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\uc6d0\uc778 \ud30c\uc545<\/strong>: \uc704\ud5d8\uc790\uc0b0\uc774 \uc62c\ub790\ub294\uc9c0, \uc548\uc804\uc790\uc0b0\uc774 \ub5a8\uc5b4\uc84c\ub294\uc9c0 \ud655\uc778\ud558\uace0, \ube44\uc911\uc774 \uc65c \ucd08\uacfc\ub418\uc5c8\ub294\uc9c0 \ud30c\uc545\ud558\uc138\uc694.<\/li>\n\n\n\n<li><strong>\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80 \ubc0f \uc870\uc815<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>\ub9e4\ub3c4<\/strong>: \uc704\ud5d8\uc790\uc0b0(\uc8fc\uc2dd\/\ud380\ub4dc\/ETF \ub4f1) \uc77c\ubd80\ub97c \ub9e4\ub3c4\ud558\uc5ec \ube44\uc911\uc744 \uc904\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ub9e4\uc218<\/strong>: \uc704\ud5d8\uc790\uc0b0 \ube44\uc911 70% \uc544\ub798\ub85c \uc870\uc815\ub420 \ub54c\uae4c\uc9c0 \uc704\ud5d8\uc790\uc0b0 \ucd94\uac00 \ub9e4\uc218 \ubd88\uac00.<\/li>\n\n\n\n<li><strong>\uc548\uc804\uc790\uc0b0\uc73c\ub85c \uc774\ub3d9<\/strong>: \ucc44\uad8c\ud615 \ud380\ub4dc\ub098 \uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488 \ub4f1 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \uc77c\ubd80 \uc62e\uaca8 \ube44\uc911\uc744 \ub9de\ucda5\ub2c8\ub2e4.   =>   \ucc44\uad8c\ud615 \uc8fc\uc2dd\uc73c\ub85c  30% \ubcc0\uacbd \ud569\ub2c8\ub2e4. <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\ud55c\ub3c4 \uad00\ub828 \uc0c1\ud488 \ud65c\uc6a9<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>\uc801\uaca9 TDF(Target Date Fund)<\/strong>: \uc0dd\uc560\uc8fc\uae30\uc5d0 \ub9de\ucdb0 \uc790\ub3d9 \uc6b4\uc6a9\ub418\ubbc0\ub85c \ud55c\ub3c4 \uc81c\ud55c\uc744 \ubc1b\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc548\uc804\uc790\uc0b0 100% \ud22c\uc790<\/strong>: \uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc0c1\ud488, \ucc44\uad8c\ud615 \ud380\ub4dc \ub4f1 \uc548\uc804\uc790\uc0b0 \ube44\uc911\uc744 \ub192\uc5ec \ud55c\ub3c4 \uaddc\uc81c\ub97c \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>\uacb0\ub860\uc801\uc73c\ub85c,<\/strong>&nbsp;&#8216;\uc704\ud5d8 \uc790\uc0b0 \ud55c\ub3c4 \ucd08\uacfc&#8217; \ubb38\uc790\ub294 \ub178\ud6c4 \ub300\ube44 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc548\uc815\uc131\uc744 \uc704\ud55c \uaddc\uc81c\uc5d0 \ub530\ub978 \uc54c\ub9bc\uc774\uba70, \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ucdb0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc7ac\uc810\uac80\ud558\uace0 \ub9ac\ubc38\ub7f0\uc2f1\ud560 \uae30\ud68c\ub85c \uc0bc\uc73c\uc2dc\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Overview : \uc5b4\ub824\uc6b4 \uc6a9\uc5b4 \uc27d\uac8c \ud480\uc5b4\ubcf4\uc790 \uc704\ud5d8 \uc790\uc0b0 \ud55c\ub3c4 \ucd08\uacfc \ubb38\uc790 \uba54\uc2dc\uc9c0\uc758 \uc758\ubbf8 \uc6d0\uc778 \uacb0\ub860\uc801\uc73c\ub85c,&nbsp;&#8216;\uc704\ud5d8 \uc790\uc0b0 \ud55c\ub3c4 \ucd08\uacfc&#8217; \ubb38\uc790\ub294 \ub178\ud6c4 \ub300\ube44 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc548\uc815\uc131\uc744 \uc704\ud55c \uaddc\uc81c\uc5d0 \ub530\ub978 \uc54c\ub9bc\uc774\uba70, \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ucdb0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc7ac\uc810\uac80\ud558\uace0 \ub9ac\ubc38\ub7f0\uc2f1\ud560 \uae30\ud68c\ub85c \uc0bc\uc73c\uc2dc\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1779","post","type-post","status-publish","format-standard","hentry","category-14"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1779"}],"version-history":[{"count":4,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1779\/revisions"}],"predecessor-version":[{"id":3181,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1779\/revisions\/3181"}],"wp:attachment":[{"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ihavenomoney.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}