{"id":77,"date":"2024-10-24T02:52:10","date_gmt":"2024-10-24T02:52:10","guid":{"rendered":"https:\/\/rodeco.co.kr\/?p=77"},"modified":"2024-10-24T02:52:11","modified_gmt":"2024-10-24T02:52:11","slug":"irp-%ea%b3%84%ec%a2%8c%ec%9d%98-%ec%9a%b4%ec%9a%a9-%ec%83%81%ed%92%88-%ec%84%a0%ed%83%9d-%ea%b0%80%ec%9d%b4%eb%93%9c","status":"publish","type":"post","link":"https:\/\/rodeco.co.kr\/?p=77","title":{"rendered":"IRP \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc0c1\ud488 \uc120\ud0dd \uac00\uc774\ub4dc"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">IRP(Individual Retirement Pension, \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08) \uacc4\uc88c\ub294 \uc9c1\uc7a5\uc778, \uc790\uc601\uc5c5\uc790, \uadf8\ub9ac\uace0 \uacbd\uc81c \ud65c\ub3d9\uc774 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\ub3c4 \ub178\ud6c4\ub97c \ub300\ube44\ud574 \uc790\uc0b0\uc744 \ucd95\uc801\ud560 \uc218 \uc788\ub294 \ub9e4\ub825\uc801\uc778 \uc7ac\uc815 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c IRP \uacc4\uc88c\uc758 \ud575\uc2ec\uc740 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc6b4\uc6a9 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.washingtonpost.com\/newssearch\/?query=irp \uacc4\uc88c\" rel=\"nofollow noopener\" target=\"_blank\">https:\/\/www.washingtonpost.com\/newssearch\/?query=irp \uacc4\uc88c<\/a> \uac01 \uac1c\uc778\uc758 \uc7ac\uc815 \ubaa9\ud45c, \uc704\ud5d8 \uc218\uc6a9 \ub2a5\ub825, \uadf8\ub9ac\uace0 \ud22c\uc790 \uae30\uac04\uc5d0 \ub530\ub77c \ucd5c\uc801\uc758 \uc6b4\uc6a9 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud55c \uc774\uc720\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 IRP \uacc4\uc88c\uc5d0\uc11c \uc120\ud0dd\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc6b4\uc6a9 \uc0c1\ud488\uc744 \uae4a\uc774 \uc788\uac8c \ubd84\uc11d\ud558\uace0, \uc5b4\ub5a4 \ud22c\uc790 \uc804\ub7b5\uc774 \uc801\ud569\ud55c\uc9c0\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub97c \uc81c\uacf5\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\ub294 \ud1f4\uc9c1\uae08 \uad00\ub9ac \ubc0f \uac1c\uc778 \ub178\ud6c4 \uc790\uc0b0 \ucd95\uc801\uc744 \uc704\ud574 \uc124\uacc4\ub41c \uae08\uc735 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uac1c\uc778\uc774 \uc790\uae08\uc744 \ubd88\uc785\ud558\uace0, \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc790\uc0b0\uc744 \uc131\uc7a5\uc2dc\ud0a4\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790 \ud65c\ub3d9\uc744 \ud1b5\ud574 \ubc1c\uc0dd\ud55c \uc218\uc775\uc740 \uacfc\uc138\uac00 \uc774\uc5f0\ub418\ubbc0\ub85c, \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. IRP \uacc4\uc88c\ub294 \uc608\uae08, \ucc44\uad8c, \uc8fc\uc2dd\ud615 \ud380\ub4dc, ETF \ub4f1 \ub2e4\uc591\ud55c \uc6b4\uc6a9 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uad6c\uc870\ub85c \uc124\uacc4\ub418\uc5b4 \uc788\uc5b4, \uac00\uc785\uc790\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc790\uc0b0\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ubc30\ubd84\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.IRP\uc758 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uacfc \uacfc\uc138\uc774\uc5f0 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub9e4\ub144 \ucd5c\ub300 700\ub9cc \uc6d0\uae4c\uc9c0 \ubd88\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud574 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub85c \uc778\ud574 \uc0c1\ub2f9\ud55c \uc808\uc138 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c IRP \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc0c1\ud488\uc744 \uc2e0\uc911\ud558\uac8c \uc120\ud0dd\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub178\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. IRP\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc720\uc5f0\uc131\uc744 \uc81c\uacf5\ud558\uba70, \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \ubaa9\ud45c\uc5d0 \ub9de\ucdb0 \uc790\uc0b0\uc744 \uc6b4\uc6a9\ud568\uc73c\ub85c\uc368 \ud6a8\uacfc\uc801\uc778 \ub178\ud6c4 \ub300\ube44\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\uc5d0\uc11c \uac00\uc7a5 \uc548\uc815\uc801\uc778 \uc120\ud0dd\uc740 \uc608\uae08\uc785\ub2c8\ub2e4. \uc608\uae08\uc740 \uc6d0\uae08\uc774 \ubcf4\uc7a5\ub418\uba70, \uc774\uc790 \uc218\uc775\uc744 \ud1b5\ud574 \uc790\uc0b0\uc744 \ucd95\uc801\ud560 \uc218 \uc788\ub294 \ub9e4\uc6b0 \ubcf4\uc218\uc801\uc778 \ud22c\uc790 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc608\uae08\uc758 \uc7a5\uc810\uc740 \uc548\uc815\uc131\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc6d0\uae08 \uc190\uc2e4\uc758 \uac00\ub2a5\uc131\uc774 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \ubcf4\uc218\uc801\uc778 \ud22c\uc790 \uc131\ud5a5\uc744 \uac00\uc9c4 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4.\ud558\uc9c0\ub9cc \uc608\uae08\uc758 \ub2e8\uc810\uc740 \ub0ae\uc740 \uc218\uc775\ub960\uc785\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc744 \uace0\ub824\ud560 \ub54c, \uc608\uae08\uc758 \ub0ae\uc740 \uc774\uc790\uc728\uc740 \uc790\uc0b0\uc758 \uc2e4\uc9c8\uc801 \uac00\uce58\ub97c \ubcf4\ud638\ud558\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc608\uae08\uc740 \uc790\uc0b0\uc758 \uc548\uc804\ud55c \ubcf4\uad00\uc744 \uc6d0\ud558\uac70\ub098, \ub9e4\uc6b0 \ub0ae\uc740 \uc704\ud5d8\uc744 \uc120\ud638\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc608\uae08\uc740 \uc790\uc0b0\uc758 \uac00\uce58\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud55c \ucd5c\uc18c\ud55c\uc758 \ubc29\uc5b4\uc801\uc778 \uc218\ub2e8\uc73c\ub85c \ud65c\uc6a9\ub420 \uc218 \uc788\uc73c\uba70, \uc774\uc640 \uac19\uc740 \uc548\uc804\uc131\uc744 \uc911\uc694\uc2dc\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \uae30\ubcf8\uc801\uc778 \uc790\uc0b0 \ucd95\uc801 \ub3c4\uad6c\ub85c \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4.\ucc44\uad8c\uc740 \uc815\ubd80, \uacf5\uacf5\uae30\uad00, \ud639\uc740 \uae30\uc5c5\uc774 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uae30 \uc704\ud574 \ubc1c\ud589\ud558\ub294 \uc77c\uc885\uc758 \ucc28\uc6a9\uc99d\uc11c\ub85c, \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uc548\uc815\uc801\uc778 \uc774\uc790 \uc218\uc775\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\uc5d0\uc11c \ucc44\uad8c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \uc548\uc815\uc131\uacfc \uc218\uc775\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ucc44\uad8c\uc758 \uacbd\uc6b0 \uc6d0\uae08 \uc190\uc2e4\uc758 \uc704\ud5d8\uc774 \uc608\uae08\ubcf4\ub2e4 \ub192\uc9c0\ub9cc, \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ucc44\uad8c \ud22c\uc790\uc5d0\uc11c \uc911\uc694\ud55c \uc694\uc18c\ub294 \uc2e0\uc6a9 \ub4f1\uae09\uc785\ub2c8\ub2e4. \uc2e0\uc6a9 \ub4f1\uae09\uc774 \ub192\uc740 \uad6d\ucc44\ub098 \uc6b0\ub7c9 \uae30\uc5c5\uc758 \ucc44\uad8c\uc740 \ube44\uad50\uc801 \ub0ae\uc740 \uc704\ud5d8\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uc81c\uacf5\ud558\uba70, \uc774\ub294 \ubcf4\uc218\uc801\uc778 \ud22c\uc790 \uc131\ud5a5\uc744 \uac00\uc9c4 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ubc18\uba74, \ud68c\uc0ac\ucc44\uc640 \uac19\uc774 \uc2e0\uc6a9 \ub4f1\uae09\uc774 \ub0ae\uc740 \ucc44\uad8c\uc758 \uacbd\uc6b0 \ub192\uc740 \uc774\uc790\uc728\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc \uc704\ud5d8\uc774 \uc99d\uac00\ud558\ubbc0\ub85c, \uc774\ub7ec\ud55c \uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uacbd\uc6b0 \uc2e0\uc911\ud558\uac8c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ucc44\uad8c\uc740 \ub610\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uc18c\ub4dd \ucc3d\ucd9c\uc758 \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84\uc744 \ub3c4\ubaa8\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\uc758 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub294 \ub2e4\uc591\ud55c \uc8fc\uc2dd\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec \uac1c\ubcc4 \uc8fc\uc2dd\uc758 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\ub294 \ub3d9\uc2dc\uc5d0, \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub530\ub77c \uc790\uc0b0 \uac00\uce58\uac00 \ud06c\uac8c \ubcc0\ub3d9\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ub192\uc740 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc8fc\uc2dd\ud615 \ud380\ub4dc\uc758 \uc7a5\uc810\uc740 \ubd84\uc0b0 \ud22c\uc790\ub85c \uc778\ud55c \ub9ac\uc2a4\ud06c \uac10\uc18c\uc640 \uc804\ubb38\uac00\uac00 \uc6b4\uc6a9\ud558\ub294 \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 \uc804\ubb38\uc131\uc744 \ud1b5\ud574 \uc790\uc0b0\uc744 \uc131\uc7a5\uc2dc\ud0ac \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub2e8\uc810\uc740 \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ubbfc\uac10\ud558\uc5ec \ub2e8\uae30\uc801\uc73c\ub85c \ud070 \uc190\uc2e4\uc744 \uc785\uc744 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub294 \uace0\uc704\ud5d8\uc744 \uac10\uc218\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud380\ub4dc\ub294 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc744 \uadf9\ubcf5\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc131\uc7a5\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \uacbd\uc6b0 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ud63c\ud569\ud615 \ud380\ub4dc\ub294 \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc744 \uc801\uc808\ud788 \ubc30\ud569\ud558\uc5ec \ud22c\uc790\ud558\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774\ub294 \uc8fc\uc2dd\ud615 \ud380\ub4dc\uc640 \ucc44\uad8c\uc758 \uc7a5\uc810\uc744 \ub3d9\uc2dc\uc5d0 \ucde8\ud558\ub824\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. \ud63c\ud569\ud615 \ud380\ub4dc\ub294 \uc8fc\uc2dd\uc758 \uc131\uc7a5 \uac00\ub2a5\uc131\uacfc \ucc44\uad8c\uc758 \uc548\uc815\uc131\uc744 \uacb0\ud569\ud568\uc73c\ub85c\uc368, \ub9ac\uc2a4\ud06c\ub97c \uc870\uc808\ud558\uba74\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ud63c\ud569\ud615 \ud380\ub4dc\uc758 \uc790\uc0b0 \ubc30\ubd84\uc740 \ud22c\uc790\uc790\uc758 \uc131\ud5a5\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\uba70, \uc8fc\uc2dd\uc758 \ube44\uc911\uc774 \ub192\uc744\uc218\ub85d \uc704\ud5d8\uacfc \uae30\ub300 \uc218\uc775\uc774 \uc99d\uac00\ud558\uace0, \ucc44\uad8c\uc758 \ube44\uc911\uc774 \ub192\uc744\uc218\ub85d \uc548\uc815\uc131\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4. \uc774\ub294 \uc911\uac04 \uc218\uc900\uc758 \uc704\ud5d8\uc744 \uac10\uc218\ud558\uace0\uc790 \ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \ud22c\uc790 \uc635\uc158\uc785\ub2c8\ub2e4. \ud63c\ud569\ud615 \ud380\ub4dc\ub294 \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc758 \ube44\uc728\uc744 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub9de\ucd98 \uc720\uc5f0\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ETF\ub294 \uc8fc\uc2dd\uc774\ub098 \ucc44\uad8c\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uc0c1\ud488\uc73c\ub85c, \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \uc0c1\uc7a5\ub418\uc5b4 \uac70\ub798\ub418\ub294 \ud380\ub4dc\uc785\ub2c8\ub2e4. IRP \uacc4\uc88c\uc5d0\uc11c ETF\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ube44\uc6a9 \ud6a8\uc728\uc801\uc774\uba70, \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc720\uc5f0\uc131\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. ETF\ub294 \ud2b9\uc815 \uc9c0\uc218(\uc608: KOSPI 200)\ub97c \ucd94\uc885\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc190\uc27d\uac8c \ubd84\uc0b0 \ud22c\uc790\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.ETF\uc758 \uc7a5\uc810\uc740 \ub0ae\uc740 \uc218\uc218\ub8cc\uc640 \uac70\ub798\uc758 \uc6a9\uc774\uc131, \uadf8\ub9ac\uace0 \ud22c\uc790 \ub300\uc0c1\uc758 \ub2e4\uc591\uc131\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub294 \uc8fc\uc2dd, \ucc44\uad8c, \uc6d0\uc790\uc7ac \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc73c\uba70, \ud2b9\uc815 \uc139\ud130\ub098 \uc9c0\uc218\uc5d0 \uc9c1\uc811 \ud22c\uc790\ud558\ub294 \uac83\ubcf4\ub2e4 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 ETF\ub294 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \uc0c1\uc7a5\ub41c \uc0c1\ud488\uc774\ubbc0\ub85c, \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub530\ub77c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c ETF\ub294 \uc77c\uc815 \uc218\uc900\uc758 \uc704\ud5d8\uc744 \uac10\uc218\ud560 \uc218 \uc788\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ub610\ud55c ETF\ub294 \ub2e4\uc591\ud55c \uc139\ud130\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uc5ec \uc790\uc0b0\uc758 \ubd84\uc0b0 \ud6a8\uacfc\ub97c \ub192\uc774\ub294 \ub370 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \ub54c\ub294 \uba87 \uac00\uc9c0 \uc911\uc694\ud55c \uc694\uc18c\ub97c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uac01 \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \uc7ac\uc815 \ubaa9\ud45c\uc640 \uc0c1\ud669, \uadf8\ub9ac\uace0 \uc704\ud5d8 \uc218\uc6a9 \ub2a5\ub825\uc744 \uc2e0\uc911\ud788 \ud3c9\uac00\ud574\uc57c \ud569\ub2c8\ub2e4.\uac00\uc7a5 \uba3c\uc800 \uace0\ub824\ud574\uc57c \ud560 \uac83\uc740 \ud22c\uc790 \ubaa9\ud45c\uc785\ub2c8\ub2e4. IRP \uacc4\uc88c\ub97c \ud1b5\ud574 \uc5b4\ub5a4 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uace0\uc790 \ud558\ub294\uc9c0 \uba85\ud655\ud788 \ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc548\uc815\uc801\uc778 \uc790\uc0b0 \ucd95\uc801\uc744 \uc6d0\ud55c\ub2e4\uba74 \uc608\uae08\uc774\ub098 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc131\uc7a5\uc744 \ubaa9\ud45c\ub85c \ud55c\ub2e4\uba74 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub098 ETF\uc640 \uac19\uc740 \uace0\uc704\ud5d8 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ub354 \uc720\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc0c1\ud488 \uc120\ud0dd\uc774 \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc5d0, \uc790\uc2e0\uc758 \uc7a5\uae30\uc801 \uc7ac\uc815 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \uc124\uc815\ud558\uace0 \uc774\uc5d0 \ubd80\ud569\ud558\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\ud22c\uc790 \uae30\uac04\uc740 \uc0c1\ud488 \uc120\ud0dd\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. IRP \uacc4\uc88c\ub294 \uc7a5\uae30\uc801\uc778 \ub178\ud6c4 \ub300\ube44\ub97c \uc704\ud55c \uc0c1\ud488\uc774\ubbc0\ub85c, \ucd5c\uc18c 10\ub144 \uc774\uc0c1\uc758 \uae34 \ud22c\uc790 \uae30\uac04\uc744 \uacc4\ud68d\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4. \uc774 \uacbd\uc6b0, \uc7a5\uae30\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub098 ETF\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ud569\ub9ac\uc801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ub2e8\uae30\uc801\uc778 \uc548\uc815\uc131\uc744 \uc911\uc694\uc2dc\ud55c\ub2e4\uba74 \uc608\uae08\uc774\ub098 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7a5\uae30 \ud22c\uc790\uc77c\uc218\ub85d \uc8fc\uc2dd\ud615 \uc0c1\ud488\uc758 \ubcc0\ub3d9\uc131\uc744 \uacac\ub51c \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \ucee4\uc9c0\uba70, \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc774 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \ucd95\uc801\uc5d0 \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud569\ub2c8\ub2e4.\uac01 \uac1c\uc778\uc758 \uc704\ud5d8 \uc218\uc6a9 \ub2a5\ub825\uc740 \ud22c\uc790 \uc0c1\ud488 \uc120\ud0dd\uc5d0\uc11c \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc704\ud5d8\uc744 \ud68c\ud53c\ud558\uace0\uc790 \ud558\ub294 \ubcf4\uc218\uc801\uc778 \ud22c\uc790\uc790\ub294 \uc6d0\uae08 \ubcf4\uc7a5\uc774 \uac00\ub2a5\ud55c \uc608\uae08\uc774\ub098 \uc548\uc815\uc801\uc778 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \ubc18\uba74, \uace0\uc704\ud5d8 \uace0\uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\ub294 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub098 ETF\uc640 \uac19\uc740 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uacfc \uc2ec\ub9ac\uc801 \uc548\uc815\uc131\uc744 \uace0\ub824\ud55c \uc2e0\uc911\ud55c \ud3c9\uac00\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\uc758 \uc704\ud5d8 \uc218\uc6a9 \ub2a5\ub825\uc5d0 \ub530\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728\uc774 \ub2ec\ub77c\uc838\uc57c \ud558\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc131\uc7a5\uc744 \ub3c4\ubaa8\ud558\uae30 \uc704\ud574 \ud544\uc218\uc801\uc778 \uacfc\uc815\uc785\ub2c8\ub2e4.IRP \uacc4\uc88c\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uc124\uacc4\ub41c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc5f0\uac04 \ucd5c\ub300 700\ub9cc \uc6d0\uae4c\uc9c0 \ubd88\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud574 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc18c\ub4dd\uc774 \ub192\uc740 \uacbd\uc6b0 \ud2b9\ud788 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc138\uc561\uacf5\uc81c\ub97c \ucd5c\ub300\ud55c\uc73c\ub85c \ubc1b\uae30 \uc704\ud574, \ub9e4\ub144 \ucd5c\ub300 \ud55c\ub3c4\uae4c\uc9c0 \ubd88\uc785\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc6b4\uc6a9 \uc0c1\ud488\uc758 \uc120\ud0dd \uc2dc\uc5d0\ub294 \uacfc\uc138\uc774\uc5f0 \ud61c\ud0dd\uc744 \ucda9\ubd84\ud788 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc138\uc81c \ud61c\ud0dd\uc744 \ucd5c\uc801\ud654\ud558\uba74 \uc7a5\uae30\uc801\uc73c\ub85c \uc0c1\ub2f9\ud55c \uc808\uc138 \ud6a8\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \ub178\ud6c4 \uc790\uc0b0 \ucd95\uc801\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc0c1\ud488 \uc120\ud0dd\uc740 \uac01 \uac1c\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uc131\ud5a5\uc740 \ubcf4\uc218\uc801, \uc911\ub9bd\uc801, \uacf5\uaca9\uc801 \uc131\ud5a5\uc73c\ub85c \ub098\ub20c \uc218 \uc788\uc73c\uba70, \uac01 \uc131\ud5a5\uc5d0 \ub9de\ub294 \ucd94\ucc9c \uc0c1\ud488\uc744 \uc544\ub798\uc5d0 \uc81c\uc2dc\ud558\uaca0\uc2b5\ub2c8\ub2e4. \ubcf4\uc218\uc801 \ud22c\uc790\uc790\ub294 \uc790\uc0b0\uc758 \uc548\uc804\uc131\uc744 \ucd5c\uc6b0\uc120\uc73c\ub85c \uace0\ub824\ud569\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uc6d0\uae08 \uc190\uc2e4\uc758 \uac00\ub2a5\uc131\uc744 \ucd5c\uc18c\ud654\ud558\uace0, \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uc6d0\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc0c1\ud488\uc774 \uc801\ud569\ud569\ub2c8\ub2e4. \uc608\uae08\uc740 \uc6d0\uae08 \ubcf4\uc7a5\uc774 \uac00\ub2a5\ud558\uace0, \uc548\uc815\uc801\uc778 \uc774\uc790 \uc218\uc775\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc815\uae30\uc608\uae08\uc740 \uace0\uc815\ub41c \uc774\uc790\uc728\ub85c \uc608\uce21 \uac00\ub2a5\ud55c \uc218\uc775\uc744 \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0, \ubcf4\uc218\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \uc548\uc815\uc801\uc778 \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\ucc44 \ubc0f \uc6b0\ub7c9 \ud68c\uc0ac\ucc44\ub3c4 \ubcf4\uc218\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774\ub4e4\uc740 \ube44\uad50\uc801 \ub0ae\uc740 \uc704\ud5d8\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\ucc44\ub294 \uad6d\uac00\uc758 \uc2e0\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \ud558\ubbc0\ub85c \ub9e4\uc6b0 \uc548\uc804\ud55c \ud22c\uc790\ucc98\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4. \uc6b0\ub7c9 \ud68c\uc0ac\ucc44 \uc5ed\uc2dc \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uae30\uc5c5\uc5d0\uc11c \ubc1c\ud589\ud55c \ucc44\uad8c\uc73c\ub85c, \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ubcf4\uc218\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc911\ub9bd\uc801 \ud22c\uc790\uc790\ub294 \uc77c\uc815 \uc218\uc900\uc758 \uc704\ud5d8\uc744 \uac10\uc218\ud558\uba74\uc11c\ub3c4 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uc790\uc0b0\uc758 \uc77c\ubd80\ub294 \uc548\uc815\uc801\uc778 \uc0c1\ud488\uc5d0, \ub098\uba38\uc9c0\ub294 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\uc5ec \uade0\ud615\uc744 \ub9de\ucd94\uace0\uc790 \ud569\ub2c8\ub2e4. \ud63c\ud569\ud615 \ud380\ub4dc\ub294 \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc758 \ud63c\ud569 \ud22c\uc790\ub85c, \uc801\uc808\ud55c \uc704\ud5d8 \uad00\ub9ac\uc640 \uc218\uc775\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4. \uc774 \ud380\ub4dc\ub294 \uc548\uc815\uc131\uacfc \uc131\uc7a5\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ub178\ub9b4 \uc218 \uc788\ub294 \uc88b\uc740 \uc804\ub7b5\uc774\ubbc0\ub85c, \uc911\ub9bd\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc6b0\ub7c9 \ud68c\uc0ac\ucc44 \ubc0f \uc77c\ubd80 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub3c4 \ucd94\ucc9c\ud560 \ub9cc\ud569\ub2c8\ub2e4. \ucc44\uad8c\uc744 \ud1b5\ud574 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uba74\uc11c\ub3c4 \uc77c\ubd80 \uc790\uc0b0\uc740 \uc8fc\uc2dd\ud615 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uc5ec \uc218\uc775\uc131\uc744 \ucd94\uad6c\ud558\ub294 \uc811\uadfc\uc740 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\uc744 \uade0\ud615 \uc788\uac8c \ubc30\ubd84\ud558\ub294 \ub370 \uc720\uc6a9\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \uc911\ub9bd\uc801 \ud22c\uc790\uc790\uac00 \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ub2ec\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc904 \uac83\uc785\ub2c8\ub2e4. \uacf5\uaca9\uc801 \ud22c\uc790\uc790\ub294 \ub192\uc740 \uc218\uc775\ub960\uc744 \ubaa9\ud45c\ub85c \ud558\uba70, \uadf8\uc5d0 \ub530\ub978 \ub192\uc740 \uc704\ud5d8\uc744 \uac10\uc218\ud560 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc0c1\ud488\uc774 \uc801\ud569\ud569\ub2c8\ub2e4. \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub294 \uc7a5\uae30\uc801\uc778 \uc218\uc775\uc744 \ubaa9\ud45c\ub85c \ud558\uba70, \uc8fc\uc2dd\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud569\ub2c8\ub2e4. \ub192\uc740 \ub9ac\uc2a4\ud06c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub824\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. ETF(\uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc)\ub3c4 \uacf5\uaca9\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774\ub294 \ub2e4\uc591\ud55c \uc139\ud130\ub098 \uc9c0\uc218\ub97c \ucd94\uc885\ud558\uc5ec \ud22c\uc790\ud558\uba70, \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \uc0c1\uc2b9 \uc7a0\uc7ac\ub825\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud2b9\uc815 \uc0b0\uc5c5\uc774\ub098 \ud14c\ub9c8\uc5d0 \ub300\ud55c \uc9d1\uc911 \ud22c\uc790\uc5d0 \uc720\ub9ac\ud558\uc5ec, \uacf5\uaca9\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc635\uc158\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uace0\uc704\ud5d8 \ud68c\uc0ac\ucc44\ub294 \ub192\uc740 \uc774\uc790\uc728\uc744 \uc81c\uacf5\ud558\uba70, \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud560 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc774\ub294 \ub192\uc740 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud558\ub294 \ud22c\uc790 \uc804\ub7b5\uc758 \uc77c\ud658\uc73c\ub85c, \uacf5\uaca9\uc801 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRP \uacc4\uc88c\ub97c \uc6b4\uc6a9\ud560 \ub54c\ub294 \uba87 \uac00\uc9c0 \uc8fc\uc758\ud574\uc57c \ud560 \uc0ac\ud56d\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ud56d\ub4e4\uc744 \uace0\ub824\ud568\uc73c\ub85c\uc368 \uc790\uc0b0 \uc6b4\uc6a9\uc758 \ud6a8\uc728\uc131\uc744 \uadf9\ub300\ud654\ud558\uace0 \ubd88\ud544\uc694\ud55c \uc190\uc2e4\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.IRP \uacc4\uc88c\ub294 \uc911\ub3c4 \uc778\ucd9c\uc5d0 \uc81c\ud55c\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uae34\uae09\ud55c \uc0c1\ud669\uc774 \uc544\ub2c8\uba74 \uc911\ub3c4 \uc778\ucd9c \uc2dc \uc138\uc81c \ud61c\ud0dd\uc774 \ubaa8\ub450 \uc18c\uba78\ub418\uace0, \ucd94\uac00\ub85c \uae30\ud0c0\uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c IRP \uacc4\uc88c\uc5d0 \ud22c\uc790\ud558\ub294 \uc790\uae08\uc740 \ub178\ud6c4 \ub300\ube44\ub97c \uc704\ud55c \uc7a5\uae30 \uc790\uae08\uc73c\ub85c \uc0dd\uac01\ud558\uace0, \uc5ec\uc720 \uc790\uae08\uc73c\ub85c \uc801\ub9bd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc790\uc0b0\uc758 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uc548\uc815\uc744 \uc704\ud574 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.\ud22c\uc790 \uc2dc \uc9c0\ub098\uce58\uac8c \uc704\ud5d8\uc744 \ud68c\ud53c\ud558\uba74 \ub0ae\uc740 \uc218\uc775\ub960\ub85c \uc778\ud574 \uc778\ud50c\ub808\uc774\uc158\uc5d0 \uc790\uc0b0 \uac00\uce58\uac00 \uac10\uc18c\ud560 \uc218 \uc788\uc73c\uba70, \ubc18\ub300\ub85c \uc9c0\ub098\uce58\uac8c \ub192\uc740 \uc704\ud5d8\uc744 \ucd94\uad6c\ud558\uba74 \uc6d0\uae08 \uc190\uc2e4\uc758 \uac00\ub2a5\uc131\uc774 \ucee4\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \uac01 \uac1c\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \uc7ac\uc815 \ubaa9\ud45c\uc5d0 \ub9de\uac8c \uc801\uc808\ud55c \uc704\ud5d8 \uc218\uc900\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \uc548\uc815\uc131\uc744 \ub3d9\uc2dc\uc5d0 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \uc911\uc694\ud55c \uc804\ub7b5\uc785\ub2c8\ub2e4IRP \uacc4\uc88c\uc758 \uc790\uc0b0 \ubc30\ubd84\uc740 \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0 \ud544\uc694\uc2dc \uc7ac\uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uc0c1\ud669\uc758 \ubcc0\ud654\ub098 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc \ubcc0\ud654\uc5d0 \ub530\ub77c \ucd08\uae30\uc758 \ud22c\uc790 \uacc4\ud68d\uc774 \ub354 \uc774\uc0c1 \uc801\ud569\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc815\uae30\uc801\uc778 \uc790\uc0b0 \uac80\ud1a0\ub97c \ud1b5\ud574 \uc801\uc808\ud55c \uc790\uc0b0 \ubc30\ubd84\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc774 \ucee4\uc9c8 \uacbd\uc6b0 \uc8fc\uc2dd\uc758 \ube44\uc911\uc744 \uc904\uc774\uace0 \ucc44\uad8c\uc774\ub098 \uc608\uae08\uc758 \ube44\uc911\uc744 \ub192\uc774\ub294 \uac83\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc7ac\uc870\uc815\uc744 \ud1b5\ud574 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uace0 \uc218\uc775\uc131\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.irp-finance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">IRP \uacc4\uc88c<\/a> \ub294 \ub178\ud6c4 \ub300\ube44\uc640 \uc808\uc138\ub97c \ub3d9\uc2dc\uc5d0 \uc2e4\ud604\ud560 \uc218 \uc788\ub294 \uac15\ub825\ud55c \uae08\uc735 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc6b4\uc6a9 \uc0c1\ud488\uc744 \ud1b5\ud574 \uac01 \uac1c\uc778\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uc131\ud5a5\uc5d0 \ub9de\ub294 \uc790\uc0b0 \ubc30\ubd84\uc774 \uac00\ub2a5\ud558\uba70, \uc7a5\uae30\uc801\uc778 \ubcf5\ub9ac \ud6a8\uacfc\uc640 \uacfc\uc138\uc774\uc5f0 \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud568\uc73c\ub85c\uc368 \uc790\uc0b0 \uc99d\uc2dd\uc758 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. IRP \uacc4\uc88c\uc5d0\uc11c \uc62c\ubc14\ub978 \uc6b4\uc6a9 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815\uc801 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uc911\uc694\ud55c \ub2e8\uacc4\uc774\uba70, \uc774\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \ud48d\uc694\ub86d\uace0 \uc548\uc815\ub41c \ub178\ud6c4\ub97c \uc900\ube44\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5, \uc7ac\uc815 \uc0c1\ud669, \uadf8\ub9ac\uace0 \uc704\ud5d8 \uc218\uc6a9 \ub2a5\ub825\uc744 \uc2e0\uc911\ud788 \ud3c9\uac00\ud558\uace0 \uc774\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud568\uc73c\ub85c\uc368 \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ub610\ud55c \uc815\uae30\uc801\uc778 \uc790\uc0b0 \uc7ac\uc870\uc815\uacfc \ud22c\uc790 \ubaa9\ud45c \uc7ac\ud3c9\uac00\ub97c \ud1b5\ud574 \ubcc0\ud654\ud558\ub294 \uc2dc\uc7a5 \ud658\uacbd\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\uace0, \uc7ac\uc815\uc801 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc870\uce58\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ucde8\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 IRP \uacc4\uc88c\ub294 \ubcf4\ub2e4 \ud655\uc2e4\ud558\uace0 \ud6a8\uc728\uc801\uc778 \ub178\ud6c4 \ub300\ube44 \uc218\ub2e8\uc73c\ub85c \uc790\ub9ac \uc7a1\uc744 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>IRP(Individual Retirement Pension, \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08) \uacc4\uc88c\ub294 \uc9c1\uc7a5\uc778, \uc790\uc601\uc5c5\uc790, \uadf8\ub9ac\uace0 \uacbd\uc81c \ud65c\ub3d9\uc774 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\ub3c4 \ub178\ud6c4\ub97c \ub300\ube44\ud574 \uc790\uc0b0\uc744 \ucd95\uc801\ud560 \uc218 \uc788\ub294 \ub9e4\ub825\uc801\uc778 \uc7ac\uc815 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c IRP \uacc4\uc88c\uc758 \ud575\uc2ec\uc740&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","hentry","category-8"],"_links":{"self":[{"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/77","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=77"}],"version-history":[{"count":1,"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/77\/revisions"}],"predecessor-version":[{"id":78,"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/77\/revisions\/78"}],"wp:attachment":[{"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=77"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=77"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rodeco.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=77"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}