{"id":233,"date":"2008-01-31T23:49:10","date_gmt":"2008-01-31T13:49:10","guid":{"rendered":"http:\/\/66.147.244.76\/~moneysto\/wp\/?p=233"},"modified":"2008-01-31T23:49:10","modified_gmt":"2008-01-31T13:49:10","slug":"%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88%ed%88%ac%ec%9e%90-how-to","status":"publish","type":"post","link":"https:\/\/moneystock.net\/wp\/2008\/01\/%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88%ed%88%ac%ec%9e%90-how-to\/","title":{"rendered":"\ud1f4\uc9c1\uc5f0\uae08\ud22c\uc790, How To"},"content":{"rendered":"<p>\ud1f4\uc9c1\uc5f0\uae08\uc740 \uc800\uc131\uc7a5, \uc800\uae08\ub9ac, \ub178\ub839\ud654\ub77c\ub294 \uc0ac\ud68c\uc801 \ubc30\uacbd\ud558\uc5d0\uc11c \uc740\ud1f4\uc900\ube44\ub97c \uc704\ud55c \uc790\uc0b0\uad00\ub9ac\ub97c \uc81c\ub3c4\uc801\uc73c\ub85c \uc9c0\uc6d0\ud558\uae30 \uc704\ud558\uc5ec \ub3c4\uc785\ub41c \uac83\uc774\ub2e4.&nbsp; \uc774\ub97c \uacc4\uae30\ub85c \uad6d\ub0b4 \uadfc\ub85c\uc790\ub4e4\uc758 \uc740\ud1f4\uc124\uacc4\uc5d0 \ub300\ud55c \ubcf4\ub2e4 \ub9ce\uc740 \uad00\uc2ec\uc640 \uc801\uadf9\uc801\uc778 \ub178\ub825\uc774 \uae30\ub300\ub41c\ub2e4.&nbsp; <\/p>\n<p>\uac1c\uc778\ub4e4\uc758 \uc7ac\ud14c\ud06c \ubaa9\uc801\uc774 \uad81\uadf9\uc801\uc73c\ub85c \uc740\ud1f4\uc774\ud6c4\uc758 \uc548\ub77d\ud55c \uc0b6\uc744 \uc548\uc815\uc801\uc73c\ub85c \ubcf4\uc7a5\ubc1b\uae30 \uc704\ud568\uc774\ub77c\ub294 \uc810\uc740 \uc608\ub098 \uc9c0\uae08\uc774\ub098 \ubcc0\ud568\uc774 \uc5c6\ub294\ub370, \uc5ec\uc804\ud788 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \ud22c\uc790\ud328\ud134\uc740 \ub9cc\uae30 1~3\ub144\uc815\ub3c4\ub97c \uae30\uac04\uc73c\ub85c \ud2b9\ubcc4\ud55c \ubaa9\uc801\uc774 \uc5c6\uc774 \uc8fc\uc704\uc5d0\uc11c \uac00\uc7a5 \uc88b\ub2e4\uace0 \ucd94\ucc9c\ud558\ub294 \uae08\uc735\uc0c1\ud488\uc5d0 \uac00\uc785\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. <\/p>\n<p>\uc774\ub7ec\ud55c \ud22c\uc790\ud328\ud134\uacfc \uad00\ub828\ud574\uc11c\ub294 2\uac00\uc9c0 \uc624\ub958\uc5d0 \uc8fc\ubaa9\ud574\uc57c\ud55c\ub2e4.&nbsp; \uccab\uc9f8, \uad81\uadf9\uc801\uc778 \ubaa9\ud45c\uc778 \uc740\ud1f4\uc2dc\uc810\uc744 \ud0c0\uac9f\uc73c\ub85c\ud55c \ud22c\uc790\uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uc9c0 \uc54a\uace0 \uc788\ub2e4\ub294 \uc810, \ub2e4\uc2dc \ub9d0\ud574\uc11c \uc232\uc744 \ubcf4\uc9c0 \ubabb\ud558\uace0 \ub098\ubb34\ub9cc \ubcf4\uace0 \uc788\ub2e4\uace0 \ud558\uaca0\ub2e4. \ub458\uc9f8, \uc790\uc2e0\uc758 \uc7a5\uae30\ud22c\uc790\uc804\ub7b5\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc790\uc0b0\ubc30\ubd84\uacc4\ud68d\uc774 \uc5c6\uace0 \uadf8\ub54c\uadf8\ub54c\uc758 \uc778\uae30\uc0c1\ud488\uc744 \ucad3\uc544\ub2e4\ub2cc\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n<p>\uc740\ud1f4\uc790\uae08\ub9c8\ub828\uc774\ub77c\ub294 \ud22c\uc790\ubaa9\uc801\uc5d0 \uc815\ud655\ud558\uac8c \ucd08\uc810\uc774 \ub9de\ucd94\uc5b4\uc9c4 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc7a5\uae30\uc790\uc0b0\uc6b4\uc6a9\uc774 \uc9c0\uae08\uae4c\uc9c0\uc758 \uc77c\ubc18\uc801\uc778 \ud22c\uc790\uc640\ub294 \ubb34\uc5c7\uc774 \ub2ec\ub77c\uc57c \ud558\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uace0, \ud1f4\uc9c1\uc5f0\uae08 \ud22c\uc790\ub294 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub294 \uac83\uc778\uc9c0 \uc54c\uc544\ubcf4\uc790. <!-- more --> <\/p>\n<p>60\uc138 \uc740\ud1f4\uc2dc \ud544\uc694\ud55c \uae08\uc561 \uc218\uc900\uc740?<\/p>\n<p>\uc740\ud1f4\uc790\uae08\ud558\uba74 \uc27d\uac8c 10\uc5b5\uc744 \ub5a0\uc62c\ub9ac\uc9c0\ub9cc, \ub178\ud6c4\uc0dd\ud65c\uc218\uc900\uc774\ub098 \uac70\uc8fc\uc9c0\uc5ed\uc5d0 \ub530\ub77c\uc11c \ud544\uc694\uc790\uae08\uc758 \uaddc\ubaa8\ub294 \ub9e4\uc6b0 \ub2e4\uc591\ud558\ub2e4.&nbsp; \ud604\uc7ac 30\uc138\uc778 \uacbd\uc6b0, \ud488\uc704 \uc788\ub294 \ub178\ud6c4(\uc5f0\uac04 \uc0dd\ud65c\ube44 2,153\ub9cc\uc6d0 \uc218\uc900)\ub97c \uc704\ud558\uc5ec \uc740\ud1f4\uc2dc\uc810\uc778 60\uc138\uc5d0 \ud544\uc694\ud55c \ub178\ud6c4\uc790\uae08\uc740 6.6\uc5b5\uc774\uba70, \uc774 \uae08\uc561\uc740 30\uc138\ubd80\ud130 \uc6d4 70\ub9cc\uc6d0\uc529 \uc800\ucd95\ud558\uba74 \ub2ec\uc131\uac00\ub2a5\ud55c \uae08\uc561\uc774\ub2e4.<br \/>\ucd9c\ucc98 : LG\uacbd\uc81c\uc5f0\uad6c\uc6d0, 2006.2\uc6d4 <br \/>&nbsp;<\/p>\n<p>\uc704 \uc740\ud1f4\uc790\uae08\uc5d0 \ub300\ud55c \ud544\uc694\uae08\uc561\uc744 \ubcf4\uba74 \uacb0\ucf54 \uc801\uc9c0\uc54a\uc740 \uae08\uc561\uc774\uc9c0\ub9cc \ub300\ubc15\uc744 \uafc8\uafb8\uc9c0 \uc54a\uc544\ub3c4 \ubd80\uc9c0\ub7f0\ud788 \ub178\ub825\ud558\uba74 \ucda9\ubd84\ud788 \ud604\uc2e4\uc801\uc73c\ub85c \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \uc218\uc900\uc758 \uae08\uc561\uc774\ub2e4. \uc740\ud1f4\uc790\uae08\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ubaa8\uc73c\uae30 \uc704\ud574\uc11c\ub294 \uccab\uc9f8, \ube68\ub9ac \uc2dc\uc791\ud574\uc57c\ud55c\ub2e4. \uc55e\uc5d0\uc11c \uc774\uc57c\uae30\ud55c \ud488\uc704\uc788\ub294 \ub178\ud6c4\ub97c \uc704\ud55c \uc790\uae08\uc744 \ub9c8\ub828\ud558\uae30 \uc704\ud574\uc11c\ub294 30\uc138\uc5d0 \uc2dc\uc791\ud55c\ub2e4\uba74 \uc6d4 70\ub9cc\uc6d0\uc529 \uc800\ucd95\ud558\uba74 \ub418\uc9c0\ub9cc 40\uc138\uc5d0 \uc2dc\uc791\ud55c\ub2e4\uba74 \uc6d4 114\ub9cc\uc6d0\uc73c\ub85c \ub6f0\uc5b4 \ubc84\ub9b0\ub2e4. \uc740\ud1f4\uc900\ube44\ub97c \ube68\ub9ac \uc2dc\uc791\ud558\ub824\uba74, \ud1f4\uc9c1\uc5f0\uae08\uacfc \uad00\ub828\ud574\uc11c\ub294 \ud604\uc7ac \uadfc\ubb34\uc911\uc778 \ud68c\uc0ac\uc5d0\uc11c \ud1f4\uc9c1\uc5f0\uae08\uc744 \ube68\ub9ac \ub3c4\uc785\ud574\uc11c \uccb4\uacc4\uc801\uc73c\ub85c \uc740\ud1f4\uc790\uae08 \ud22c\uc790\ub97c \uc2dc\uc791\ud558\uba74 \ub41c\ub2e4. \ud2b9\ud788, DC\ud615 \uc81c\ub3c4\ub97c \ub3c4\uc785\ud55c\ub2e4\uba74, \uac00\uc785\uc790\uc778 \uadfc\ub85c\uc790\uc5d0\uac8c \ub9e4\ub144 \uad50\uc721\uc774 \uc81c\uacf5\ub420 \uac83\uc774\ubbc0\ub85c \uc774\uac83\uc744 \uacc4\uae30\ub85c \ubcf4\ub2e4 \uacc4\ud68d\uc131 \uc788\ub294 \uc740\ud1f4\uc900\ube44\ub97c \ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.&nbsp; <\/p>\n<p>\ub458\uc9f8, \uc218\uc775\ub960\uc774 \ub192\uc740 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud574\uc57c \ud55c\ub2e4.&nbsp; \uc740\ud1f4\uc790\uae08\uc744 \ubaa8\uc744 \uae30\uac04\uc774 \uae38\uae30 \ub54c\ubb38\uc5d0 1% \uc218\uc775\ub960\uc758 \ucc28\uc774\ub77c\ub3c4 \ubcf5\ub9ac\ud6a8\uacfc\ub97c \uc0dd\uac01\ud558\uba74 \ucd5c\uc885 \ubaa9\ud45c\uae08\uc561\uc758 \ucc28\uc774\ub294 \ub9cc\ub9cc\uce58 \uc54a\ub2e4. \ub530\ub77c\uc11c \uae08\ub9ac\uac00 \uc870\uae08\uc774\ub77c\ub3c4 \ub192\uc740 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud574\uc57c\ub9cc \ubaa9\ud45c\ud55c \uae08\uc561\uc744 \ubaa8\uc744 \uc218 \uc788\uc744 \uac00\ub2a5\uc131\uc774 \ucee4\uc9c0\uace0, \uacb0\uacfc\uc801\uc73c\ub85c \ub178\ud6c4\uc0dd\ud65c\uc758 \uc9c8\uc774 \ub2ec\ub77c\uc9c0\uac8c \ub41c\ub2e4.&nbsp; <\/p>\n<p>\uadf8\ub7f0\ub370, \uc694\uc998 \uac19\uc740 \uc800\uae08\ub9ac \ud558\uc5d0\uc11c \uc608\uae08 \uac19\uc740 \uc0c1\ud488\uc73c\ub85c\ub294 \uc740\ud1f4\ubaa9\ud45c \uc790\uae08\uc744 \ub9c8\ub828\ud558\uae30\uac00 \uc27d\uc9c0 \uc54a\ub2e4.&nbsp; \ud2b9\ud788 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc744 \uace0\ub824\ud55c\ub2e4\uba74, \ucd5c\uadfc \uc608\uae08\uae08\ub9ac 5%\uc5d0 \ubb3c\uac00\uc0c1\uc2b9\ub960 4%(\uc608\uc0c1)\uc744 \ube7c\uba74 \uc2e4\uc81c \uae08\ub9ac\ub294 1%\uc5d0 \ubd88\uacfc \ud558\ub2e4\uace0 \ud560 \uc218 \uc788\ub2e4.&nbsp; \uadf8\ub807\ub2e4\uba74, \ub2e4\uc74c\uacfc \uac19\uc740 \uacb0\ub860\uc5d0 \ub3c4\ub2ec\ud558\uac8c \ub41c\ub2e4. <\/p>\n<p>&ldquo;\ub354 \ub192\uc740 \uc218\uc775\uc131\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \ubc1c\uad74\ud574\uc11c \uc801\uadf9\uc801\uc778 \ud22c\uc790\uc5d0 \ub098\uc11c\uc57c \ud55c\ub2e4.&ldquo;<\/p>\n<p>\uad6d\uac00\uc5d0\uc11c \uc6b4\uc601\ud558\ub294 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc790\uc0b0\uc6b4\uc6a9\uc740 \ucc44\uad8c\ud22c\uc790\uac00 90%\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\uc73c\ub098, \ud574\uc678 \uc8fc\uc694 \uc5f0\uae30\uae08\ub4e4\uc758 \uc790\uc0b0\uc6b4\uc6a9\uc740 \uc8fc\uc2dd, \ucc44\uad8c, \ub300\uc548\ud22c\uc790\uac00 \uac01\uac01 30%\uc529\uc73c\ub85c \uace8\uace0\ub8e8 \ud22c\uc790\ub418\uc5b4 \uc788\uc5b4 \uc218\uc775\uc131\uc774 \ub192\uc740 \uc790\uc0b0\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ud22c\uc790\ud558\uace0 \uc788\ub2e4. \ub530\ub77c\uc11c \uc6b0\ub9ac\ub098\ub77c\uc758 \uad6d\ubbfc\uc5f0\uae08\ub3c4 \ud574\uc678 \uc0ac\ub840\ub97c \ubca4\uce58\ub9c8\ud06c\ud574\uc11c \ubcf4\ub2e4 \uc801\uadf9\uc801\uc778 \uc790\uc0b0\uc6b4\uc6a9\uc744 \ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc7a5\ub798\uc5d0 \uad6d\ubbfc\ub4e4\uc758 \uc5f0\uae08\ubd80\ub2f4\uc561\uacfc \ub178\ud6c4\uc5d0 \ubc1b\uc744 \uc218 \uc788\ub294 \uc218\ub839\uc561\uacfc\uc758 \uad34\ub9ac\ub294 \uad6d\ubbfc\uc5f0\uae08 \uc81c\ub3c4\uc758 \uc2e4\ud6a8\uc131\uc744 \ud06c\uac8c \ub5a8\uc5b4\ub728\ub9b4 \uac83\uc774\ub2e4. <\/p>\n<p>\uad6d\ubbfc\uc5f0\uae08, \ud1f4\uc9c1\uc5f0\uae08, \uac1c\uc778\uc5f0\uae08 \uc774 \ubaa8\ub450\uac00 \uacfc\uac70\uc758 \ub2e8\uc21c\ud788 \uc608\uae08\uc5d0 \ub123\uace0 \uc78a\uc5b4\ubc84\ub9ac\uace0 \uc788\uc5b4\ub3c4 \ub418\ub358 &ldquo;\uc800\ucd95&rdquo;\ubc29\uc2dd\uc5d0\uc11c \ubcf4\ub2e4 \uc801\uadf9\uc801\uc73c\ub85c \ud22c\uc790\ub300\uc0c1\uc744 \ubc1c\uad74\ud558\uace0 \uc790\uc0b0\uc740 \ubd84\uc0b0\ud558\ub294 &ldquo;\ud22c\uc790&rdquo;\ub85c\uc758 \ubcc0\ud654\ub97c \ud544\uc218\uc801\uc73c\ub85c \uc694\uad6c\ud558\uace0 \uc788\ub294 \uc2dc\ub300\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" width=\"545\" height=\"419\" src=\"\/blog\/modules\/FCKeditor\/Upload\/Image\/pension_megazion_1_1.gif\" alt=\"\" \/><\/p>\n<p>2007\ub144\uc5d0 30\uc138\uc778 \uadfc\ub85c\uc790\uac00 60\uc138\uac00 \ub418\ub294 2036\uae4c\uc9c0 30\ub144\uac04 \ubcf5\ub9ac\ub85c \ud22c\uc790\ud55c\ub2e4\uace0 \ud560 \ub54c \uac01 \uc790\uc0b0\ubcc4 \uc218\uc775\ub960\uc744 \ube44\uad50\ud574 \ubcf4\uba74, \uc784\uae08\uc0c1\uc2b9\ub960\uc744 7.6%\ub85c \uac00\uc815\ud560 \ub54c, \uc608\uae08\uacfc \ud655\uc815\uae08\ub9ac\ud615 \ubcf4\ud5d8\uc0c1\ud488\uc740 \uc88b\uc740 \ub300\uc548\uc774 \ub418\uae30 \ud798\ub4e4\uc5b4 \ubcf4\uc778\ub2e4.&nbsp; \ucc28\ud2b8\ub97c \ubcf4\uba74 \ud574\ub2f5\uc740 \uc8fc\uc2dd\uc5d0\uc11c \ucc3e\uc744 \uc218 \ubc16\uc5d0 \uc788\ub2e4\ub294&nbsp; \uac83\uc744 \uc54c \uc218 \uc788\ub2e4. <\/p>\n<p>\ub2e4\ub9cc, \uc774\ub54c \uc6b0\ub824\ub418\ub294 \ubd80\ubd84\uc740 \uc8fc\uc2dd\uc758 \ubcc0\ub3d9\uc131\uc77c \uac83\uc774\ub2e4.&nbsp; \ud754\ud788, \uc8fc\uc2dd\uc740 \uc704\ud5d8\ud558\ub2e4\uace0 \ub9d0 \ud558\ub294\ub370, \ubcf4\ub2e4 \uc815\ud655\ud558\uac8c \ud45c\ud604\ud558\uc790\uba74 \uc8fc\uc2dd\uc774\ub77c\ub294 \ud22c\uc790\ub300\uc0c1\uc740 \uc218\uc775\ub960\uc758 \ubcc0\ub3d9\uc131\uc774 \ub2e4\ub978 \uc790\uc0b0\uc5d0 \ube44\ud574\uc11c \ud06c\ub2e4\uace0 \ud558\uaca0\ub2e4.<\/p>\n<p>\uadf8\ub807\ub2e4\uba74 \uc8fc\uc2dd\uc758 \ubcc0\ub3d9\uc131(\uc704\ud5d8)\uc5d0 \ub300\ud55c \ud574\uacb0\ucc45\uc740? \uacb0\ub860\ubd80\ud130 \uc774\uc57c\uae30\ud558\uc790\uba74 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\ub294 &ldquo;\ud380\ub4dc&rdquo;\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc774\ub2e4.&nbsp; \ub2e4\ub9cc, \ub9e4\uc6b0 \uc911\uc694\ud55c \uba87 \uac00\uc9c0 \uc6d0\uce59\uc774 \uc788\ub2e4.&nbsp; <\/p>\n<p>\ucd5c\uadfc \uba87 \ub144\uac04\uc5d0 \uac78\uccd0\uc11c \uc801\ub9bd\uc2dd \ud380\ub4dc\uc758 \uc778\uae30\uac00 \ub728\uac70\uc6e0\ub294\ub370, \uc801\ub9bd\uc2dd \ud380\ub4dc\uc5d0 \ud22c\uc790\ud574 \ubcf8 \uacbd\ud5d8\uc774 \uc788\ub294 \ubd84\uc774\ub77c\uba74 \uc7a5\uae30\ud22c\uc790, \ubd84\uc0b0\ud22c\uc790, \uc801\ub9bd\uc2dd\ud22c\uc790 \ubc29\uc2dd\uc744 \ud1b5\ud55c\ub2e4\uba74 \uc8fc\uc2dd\ud615 \uc790\uc0b0\uc5d0 \ub300\ud55c \ud22c\uc790\uc758 \ubcc0\ub3d9\uc131(\uc704\ud5d8)\uc744 \ub9ce\uc774 \uc904\uc77c \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uccb4\ud5d8\ud588\uc744 \uac83\uc774\ub2e4. <\/p>\n<p>\uc7a5\uae30\ud22c\uc790 <\/p>\n<p>\ud1f4\uc9c1\uc5f0\uae08\uc740 \uc785\uc0ac \ub610\ub294 \ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4 \ub3c4\uc785\uc2dc\ubd80\ud130 \uc2dc\uc791\ud574\uc11c \uc740\ud1f4\ud560 \ub54c\uae4c\uc9c0 \uc801\ub9bd\ud558\ub294 \uac83\uc774\ubbc0\ub85c \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \uc7a5\uae30\ud22c\uc790\uac00 \ubcf4\uc7a5\ub41c\ub2e4.&nbsp; \uc7a5\uae30\ud22c\uc790\uac00 \uc911\uc694\ud55c \uc774\uc720\ub294 \uc8fc\uc2dd\uc740 \uc624\ub974\ub77d \ub0b4\ub9ac\ub77d \ubcc0\ub3d9\uc774 \uc2ec\ud558\uc9c0\ub9cc \uc624\ub978\ub2e4\uc74c\uc5d4 \ub0b4\ub9ac\uace0, \ub0b4\ub9b0\ub2e4\uc74c\uc5d4 \uacb0\uad6d\uc5d4 \ub2e4\uc2dc \uc624\ub974\ub294 \ubc18\ubcf5\uc801\uc778 \uc0ac\uc774\ud074\uc744 \uc720\uc9c0\ud558\ub294 \ud2b9\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba74\uc11c \ud3c9\uade0\uc801\uc778 \uc8fc\uac00\ub294 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0\uc11c \uafb8\uc900\ud788 \uc0c1\uc2b9\ucd94\uc138\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uc774\uac83\uc744 \uc7a5\uae30\uc218\uc775\ub960\ub85c \uacc4\uc0b0\ud574\ubcf4\uba74 \uacc4\uc0b0\uae30\uac04\uc5d0 \ub530\ub77c \ub2e4\uc18c \uc624\ucc28\ub294 \uc788\uaca0\uc9c0\ub9cc, \uc5f0 11~12% \ub0b4\uc678\ub85c \ucd94\uc815\ud574 \ubcfc \uc218 \uc788\ub2e4.&nbsp; \uc6b0\ub9ac\ub098\ub77c\uc758 \uc885\ud569\uc8fc\uac00\uc9c0\uc218\ub97c1985\ub144 2\uc6d4\ubd80\ud130 2007\ub144 3\uc6d4\uae4c\uc9c0 \uc5f0\uc218\uc775\ub960\uc744 \uacc4\uc0b0\ud574\uc11c \uc774\uac83\uc758 \ud3c9\uade0\uc744 \uad6c\ud574\ubcf4\uba74 10.7%\uac00 \ub41c\ub2e4, \ubbf8\uad6d\uc758 \uacbd\uc6b0 \uc6b0\ub9ac\ub098\ub77c\uc758 \uc885\ud569\uc8fc\uac00\uc9c0\uc218\uc640 \uc720\uc0ac\ud55c S&amp;P500\uc9c0\uc218\ub97c 1926\ub144\ubd80\ud130 2005\ub144\uae4c\uc9c0 \ub3d9\uc77c\ud55c \ubc29\ubc95\uc73c\ub85c \uacc4\uc0b0\ud574 \ubcf4\uba74 \uc5f0 12.7%\uac00 \ub41c\ub2e4<\/p>\n<p>\uc5ec\uae30\uc11c \uc7ac\ubbf8\uc788\ub294 \uac83\uc740 20\ub144\uc774\uc0c1 \uc8fc\uc2dd\uc5d0 \uc7a5\uae30 \ud22c\uc790\ud55c \uacbd\uc6b0 \ud55c\uad6d\uacfc \ubbf8\uad6d\uc5d0\uc11c \ub3d9\uc77c\ud558\uac8c \uc6d0\uae08\uc190\uc2e4\uc774 \ud55c\ubc88\ub3c4 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uc810\uc774\ub2e4.&nbsp; 1~3\ub144 \ud22c\uc790\ud55c \uacbd\uc6b0\uc5d0\ub294 \uc798 \uc54c\uace0 \uc788\ub294 \ubc14\ub300\ub85c \uc6d0\uae08\uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\uae30\ub3c4 \ud558\uace0 \uadf8\uac83\uc774 \ub450\ub824\uc6cc \uac10\ud788 \uc8fc\uc2dd\ud22c\uc790\uc5d0 \ub098\uc11c\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\uac00 \ub300\ubd80\ubd84\uc778\ub370, \ud1f4\uc9c1\uc5f0\uae08\ucc98\ub7fc \uc7a5\uae30\uac04 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc6d0\uae08\uc190\uc2e4\uc774 \uc5c6\uc5c8\uace0, \ud22c\uc790\uae30\uac04\uc744 \uae38\uac8c \uc7a1\uc744\uc218\ub85d \uadf8\ub9cc\ud07c \ubcc0\ub3d9\uc131\uc774 \ud655\uc2e4\ud558\uac8c \uc904\uc5b4\ub4dc\ub294 \uac83\ub3c4 \ud655\uc778\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" width=\"538\" height=\"139\" alt=\"\" src=\"\/blog\/modules\/FCKeditor\/Upload\/Image\/table_return_diff.gif\" \/><\/p>\n<p>\ub530\ub77c\uc11c \uc8fc\uc2dd\uc5d0\ub3c4 \uc77c\ubd80 \ud22c\uc790\ud558\ub294 \uc801\ub9bd\uc2dd \ud380\ub4dc\uc5d0 \uac00\uc785\ud558\uace0 \uc7a5\uae30\ub85c \ud22c\uc790\ud55c\ub2e4\uba74 \uc6d0\uae08\uc190\uc2e4\uc758 \uac71\uc815\uc740 \ud06c\uac8c \ub35c \uc218 \uc788\uc744 \uac83\uc774\ub2e4.&nbsp; <\/p>\n<p>\ubd84\uc0b0\ud22c\uc790<\/p>\n<p>\uc8fc\uc2dd\uc774\ub77c\ub294 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud560 \ub54c \ub450\ubc88\uc9f8 \uc6d0\uce59\uc740 \ubd84\uc0b0\ud22c\uc790\uc778\ub370, DC\ud615 \ud1f4\uc9c1\uc5f0\uae08 \ud380\ub4dc\uc5d0 \uac00\uc785\ud55c\ub2e4\uba74 \uc774 \ud380\ub4dc\uc5d0\ub294 \uc8fc\uc2dd\uc5d0 40%\uc774\ub0b4\ub85c \ud22c\uc790\ud558\uace0 \ub098\uba38\uc9c0 60% \uc774\uc0c1\uc744 \ucc44\uad8c \ubc0f \uc720\ub3d9\uc131 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud558\uae30 \ub54c\ubb38\uc5d0 \uc790\uc5f0\uc2a4\ub7fd\uac8c \ubd84\uc0b0\ud22c\uc790\uac00 \uc774\ub8e8\uc5b4\uc9c4\ub2e4.<\/p>\n<p>\ucc44\uad8c\ub4f1\uc5d0 \ubd84\uc0b0\ud22c\uc790\ud558\ub294 \uac83\uc774 \uacfc\uc5f0 \uadf8\ub9cc\ud07c \ud6a8\uacfc\uac00 \uc788\ub294 \uac83\uc77c\uae4c?&nbsp; \uc815\ub2f5\uc740 &ldquo;\uadf8\ub807\ub2e4&rdquo;\uc774\ub2e4.&nbsp; 1929\ub144\ubd80\ud130 2005\ub144\uae4c\uc9c0 \ubbf8\uad6d \uc2dc\uc7a5\uc5d0\uc11c \uc8fc\uc2dd\uc774 \ub9c8\uc774\ub108\uc2a4\ub97c \uae30\ub85d\ud588\ub358 \uac83\uc740 23\ubc88\uc778\ub370, \uadf8 \ud574\uc758 \ucc44\uad8c\uc218\uc775\ub960\uc744 \ubcf4\uba74 \ub2e8 2\ubc88\uc744 \uc81c\uc678\ud558\uace0\ub294 \ud56d\uc0c1 \ud50c\ub7ec\uc2a4 \uc218\uc775\ub960\uc744 \ubcf4\uc5ec\uc654\ub2e4.&nbsp; <\/p>\n<p>\ub2e4\uc2dc \ub9d0\ud574 \uc8fc\uc2dd\uc774 \ud558\ub77d\ud55c \uacbd\uc6b0\ub9c8\ub2e4 \ucc44\uad8c\uc218\uc775\ub960\uc774 \ud50c\ub7ec\uc2a4\uac00 \ub418\uc5c8\uae30 \ub54c\ubb38\uc5d0 \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc5d0 \uace0\ub974\uac8c \ubd84\uc0b0\ud22c\uc790\ub41c \ud380\ub4dc\uc5d0 \uac00\uc785\ud558\uac70\ub098, \uc8fc\uc2dd\ud615\ud380\ub4dc\uc640 \ucc44\uad8c\ud615\ud380\ub4dc\uc5d0 \ubd84\uc0b0\ud22c\uc790\ub97c \ud558\uace0 \uc788\ub2e4\uba74 \uadf8\ub9cc\ud07c \uc218\uc775\ub960 \ud558\ub77d\uc744 \uc904\uc5ec\uc8fc\ub294 \ud6a8\uacfc\ub97c \ubcfc \uc218 \uc788\ub2e4\ub294 \uac83\uc774\ub2e4. <\/p>\n<p>\uc2e4\uc81c\ub85c 1954\ub144\uc5d0\uc11c 2005\ub144\uae4c\uc9c0 \uc8fc\uc2dd\uc5d0\ub9cc \ud22c\uc790\ud55c \uacbd\uc6b0\uc5d0\ub294 \ud3c9\uade0\uc218\uc775\ub960\uc740 10.4%\uc600\uc9c0\ub9cc \ud558\ub77d\uc744 \uae30\ub85d\ud55c \ud587\uc218\uac00 12\ubc88\uc5d0 \ucd5c\uc545\uc758 \ud574\uc5d0\ub294 -26.5%\ub97c \uae30\ub85d\ud588\ub2e4, \uadf8\ub7ec\ub098, \uc8fc\uc2dd\uc5d0 20%, \ucc44\uad8c\uc5d0 40%, \ud604\uae08\uc131\uc790\uc0b0\uc5d0 40%\ub85c \ubd84\uc0b0\ud22c\uc790\ud588\ub2e4\uace0 \uac00\uc815\ud558\uace0 \ub9e4\ub144\uc758 \uc218\uc775\ub960\uc744 \ub2e4\uc2dc \uacc4\uc0b0\ud574 \ubcf4\uba74 \ud3c9\uade0\uc218\uc775\ub960\uc740 7.1% \ub9c8\uc774\ub108\uc2a4\ub97c \uae30\ub85d\ud55c \ud587\uc218\ub294 2\ubc88, \ucd5c\uc545\uc758 \uc218\uc775\ub960\uc740 -0.3%\ub97c \uae30\ub85d\ud588\ub2e4.&nbsp; <\/p>\n<p>\ubd84\uc0b0\ud22c\uc790\uac00 \uc5bc\ub9c8\ub098 \ubcc0\ub3d9\uc131\uc744 \uc904\uc5ec\uc8fc\ub294\uc9c0 \uc798 \uc54c \uc218 \uc788\ub2e4.&nbsp; \ub530\ub77c\uc11c \uc7a5\uae30\ud22c\uc790\ud558\uba74\uc11c \ubd84\uc0b0\ud22c\uc790\ud558\uba74 \uc8fc\uc2dd\uc774\ub77c\ub294 \uc790\uc0b0\uc758 \ubcc0\ub3d9\uc131\uc744 \uadf8\ub9cc\ud07c \ub354 \uc798 \ub2e4\uc2a4\ub9b4 \uc218 \uc788\ub2e4\ub294 \uac83\uc774\ub2e4.&nbsp; <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"168\" src=\"\/blog\/modules\/FCKeditor\/Upload\/Image\/pension_megazine_1_1.gif\" alt=\"\" \/><\/p>\n<p>\uc801\ub9bd\uc2dd \ud22c\uc790 <\/p>\n<p>\ud1f4\uc9c1\uc5f0\uae08\uc740 \ub300\ubd80\ubd84 \ub9e4\uc6d4 \uc77c\uc815\uae08\uc561\uc744 \uae09\uc5ec\uc77c\uc5d0 \uc801\ub9bd\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \ud22c\uc790\ub41c\ub2e4.&nbsp; \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc801\ub9bd\uc2dd\uc73c\ub85c \ud22c\uc790\uac00 \ub418\ub294 \uac83\uc778\ub370, \uc801\ub9bd\uc2dd \ud380\ub4dc\uc5d0 \ud22c\uc790\ud55c \uacbd\ud5d8\uc774 \uc788\ub294 \ubd84\ub4e4\uc740 \uc801\ub9bd\uc2dd \ud22c\uc790\uc2dc \ucf54\uc2a4\ud2b8 \uc5d0\ubc84\ub9ac\uc9c0 \ud6a8\uacfc(\ud3c9\uade0\ub2e8\uac00\ud6a8\uacfc)\ub97c \uc54c\uace0 \uc788\uc744 \uac83\uc774\ub2e4.&nbsp; <\/p>\n<p>\uc8fc\uac00\uac00 \uc624\ub974\ub77d \ub0b4\ub9ac\ub77d \ud558\uae30 \ub54c\ubb38\uc5d0 \uc5b8\uc81c \ud380\ub4dc\uc5d0 \ud22c\uc790\ub97c \uc2dc\uc791\ud574\uc57c \ud560\uc9c0 \ub9dd\uc124\uc5ec\uc9c0\uaca0\uc9c0\ub9cc \uc801\ub9bd\uc2dd\uc73c\ub85c \ud22c\uc790\ud558\uba74 \uacb0\uad6d \ud3c9\uade0\ub9e4\uc785\uac00\uaca9\uc740 \ucd9c\ub801\uc774\ub294 \uc8fc\uac00\uc758 \ud3c9\uade0\uce58\uac00 \ub418\uae30 \ub54c\ubb38\uc5d0 \uc8fc\uac00\uc758 \uc218\uc900\uc774 \ub192\ub4e0, \ub0ae\ub4e0 \uad00\uacc4\uc5c6\uc774 \uc5b8\uc81c\ub77c\ub3c4 \ud22c\uc790\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\ub294 \uac83\uc774 \uc801\ub9bd\uc2dd \ud22c\uc790\uc758 \uc7a5\uc810\uc774\ub2e4.&nbsp; \uac8c\ub2e4\uac00 \ub3d9\uc77c\ud55c \uae08\uc561\uc73c\ub85c \uc77c\uc815\ud558\uac8c \ud22c\uc790\ud55c\ub2e4\uba74, \uc8fc\uac00\uac00 \ub192\uc544\uc9c0\uba74 \uadf8\ub9cc\ud07c \uc8fc\uc2dd\uc744 \uc801\uac8c \uc0ac\uac8c\ub418\uace0, \uc8fc\uac00\uac00 \ub0ae\uc544\uc9c0\uba74 \uadf8\ub9cc\ud07c \uc8fc\uc2dd\uc744 \ub9ce\uc774 \uc0ac\uac8c \ub418\uae30 \ub54c\ubb38\uc5d0 \ud3c9\uade0\ub9e4\uc785\uac00\uaca9\uc740 \uadf8\ub9cc\ud07c \ub354 \ub0ae\uc544\uc9c0\ub294 \ud6a8\uacfc\uac00 \uc788\ub2e4.&nbsp; <\/p>\n<p>\uc774\ub807\ub4ef, \ubc29\ubc95\uc744 \uc54c\uace0 \ub098\uba74 \uc8fc\uc2dd\ud615 \uc790\uc0b0\uc744 \ud65c\uc6a9\ud55c \ud22c\uc790\uac00 \uacb0\ucf54 \ub450\ub824\uc6cc\ub9cc \ud560 \ub300\uc0c1\uc774 \uc544\ub2c8\ub77c\ub294 \uc810\uc744 \uc54c \uc218 \uc788\uac8c \ub418\uc5c8\ub2e4.&nbsp; \ub178\ud6c4\uc790\uae08\ub9c8\ub828\uc744 \ubaa9\uc801\uc73c\ub85c\ud55c \ud1f4\uc9c1\uc5f0\uae08\ud22c\uc790\ub294 20\ub144\uc774\uc0c1\uc758 \uc7a5\uae30\ud22c\uc790\uac00 \uac00\ub2a5\ud55c \uc810\uc5d0\uc11c \uc8fc\uc2dd\uc790\uc0b0\uc744 \uc801\uadf9 \ud65c\uc6a9\ud560 \ub54c \uc740\ud1f4\ubaa9\ud45c\uc790\uae08 \ub2ec\uc131\uc758 \uac00\ub2a5\uc131\uc774 \ud6e8\uc52c \ub192\uace0, \ud2b9\ud788, \uc7a5\uae30\ud22c\uc790, \ubd84\uc0b0\ud22c\uc790, \uc801\ub9bd\uc2dd\ud22c\uc790 \ubc29\ubc95\uc744 \uc2e4\ucc9c\ud558\uba74 \uc8fc\uc2dd\uc758 \ubcc0\ub3d9\uc131\ub3c4 \uc798 \ub2e4\uc2a4\ub9b4 \uc218 \uc788\ub2e4\ub294 \uc810\ub3c4 \uc54c\uac8c\ub418\uc5c8\ub2e4.&nbsp; \uc774\ub7f0 \ud22c\uc790\ubc95\uc744 \uc2e4\ucc9c\ud558\ub294 \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 \ud1f4\uc9c1\uc5f0\uae08 \ud380\ub4dc\uc5d0 \uc801\ub9bd\uc2dd\uc73c\ub85c \uac00\uc785\ud558\ub294 \uac83\uc774\ub780 \uc810\uc740 \uc774\uc820 \ub2e4\uc2dc \uc124\uba85\ud558\uc9c0 \uc54a\uc544\ub3c4 \ucda9\ubd84\ud788 \uacf5\uac10\ud558\uc2e4 \uac83\uc774\ub77c \ubbff\ub294\ub2e4.&nbsp; <\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud1f4\uc9c1\uc5f0\uae08\uc740 \uc800\uc131\uc7a5, \uc800\uae08\ub9ac, \ub178\ub839\ud654\ub77c\ub294 \uc0ac\ud68c\uc801 \ubc30\uacbd\ud558\uc5d0\uc11c \uc740\ud1f4\uc900\ube44\ub97c \uc704\ud55c \uc790\uc0b0\uad00\ub9ac\ub97c \uc81c\ub3c4\uc801\uc73c\ub85c \uc9c0\uc6d0\ud558\uae30 \uc704\ud558\uc5ec \ub3c4\uc785\ub41c \uac83\uc774\ub2e4.&nbsp; \uc774\ub97c \uacc4\uae30\ub85c \uad6d\ub0b4 \uadfc\ub85c\uc790\ub4e4\uc758 \uc740\ud1f4\uc124\uacc4\uc5d0 \ub300\ud55c \ubcf4\ub2e4 \ub9ce\uc740 \uad00\uc2ec\uc640 \uc801\uadf9\uc801\uc778 \ub178\ub825\uc774 \uae30\ub300\ub41c\ub2e4.&nbsp; \uac1c\uc778\ub4e4\uc758 \uc7ac\ud14c\ud06c \ubaa9\uc801\uc774 \uad81\uadf9\uc801\uc73c\ub85c \uc740\ud1f4\uc774\ud6c4\uc758 \uc548\ub77d\ud55c \uc0b6\uc744 \uc548\uc815\uc801\uc73c\ub85c \ubcf4\uc7a5\ubc1b\uae30 \uc704\ud568\uc774\ub77c\ub294 \uc810\uc740 \uc608\ub098 \uc9c0\uae08\uc774\ub098 \ubcc0\ud568\uc774 \uc5c6\ub294\ub370, \uc5ec\uc804\ud788 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \ud22c\uc790\ud328\ud134\uc740 \ub9cc\uae30 1~3\ub144\uc815\ub3c4\ub97c \uae30\uac04\uc73c\ub85c \ud2b9\ubcc4\ud55c \ubaa9\uc801\uc774 \uc5c6\uc774 \uc8fc\uc704\uc5d0\uc11c \uac00\uc7a5 \uc88b\ub2e4\uace0 \ucd94\ucc9c\ud558\ub294&hellip; <a class=\"more-link\" href=\"https:\/\/moneystock.net\/wp\/2008\/01\/%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88%ed%88%ac%ec%9e%90-how-to\/\">Continue reading <span class=\"screen-reader-text\">\ud1f4\uc9c1\uc5f0\uae08\ud22c\uc790, How To<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[412],"class_list":["post-233","post","type-post","status-publish","format-standard","hentry","category-finance","tag-412","entry"],"_links":{"self":[{"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/posts\/233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/comments?post=233"}],"version-history":[{"count":0,"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/posts\/233\/revisions"}],"wp:attachment":[{"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/media?parent=233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/categories?post=233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneystock.net\/wp\/wp-json\/wp\/v2\/tags?post=233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}