<\/p>\n\n\n\n
\uad6d\uc81c \uc7ac\ud14c\ud06c\uc758 \uc2dc\ub300\uac00 \uc5f4\ub9ac\uba74\uc11c \ub9ce\uc740 \ud22c\uc790\uc790\uac00 \uad6d\ub0b4 \uc2dc\uc7a5\uc744 \ub118\uc5b4 \ubbf8\uad6d, \uc720\ub7fd, \uc77c\ubcf8 \ub4f1 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud574\uc678 \uc8fc\uc2dd\uc774\ub098 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud560 \ub54c \uc6b0\ub9ac\uac00 \uac00\uc7a5 \uba3c\uc800 \ub9c8\uc8fc\ud558\ub294 \uc7a5\ubcbd\uc740 \ub2e8\uc21c\ud788 \uc885\ubaa9 \uc120\ud0dd\uc758 \uc5b4\ub824\uc6c0\uc774 \uc544\ub2c8\ub77c, \uc608\uc0c1\uce58 \ubabb\ud55c \uacf3\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9 \ubb38\uc81c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ud658\uc804 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc218\ub8cc\uc640 \uc0dd\uc18c\ud55c \uac1c\ub150\uc778 \ud658\uac00\ub8cc\ub294 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uac09\uc544\uba39\ub294 \uc8fc\uc694 \uc6d0\uc778\uc774 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \ud574\uc678 \ud22c\uc790 \uc2dc \ubc18\ub4dc\uc2dc \uc774\ud574\ud574\uc57c \ud560 \ube44\uc6a9 \uad6c\uc870\uc778 \ud658\uc804 \uc218\uc218\ub8cc\uc640 \ud658\uac00\ub8cc\uc758 \ubcf8\uc9c8\uc744 \ud30c\uc545\ud558\uace0, \uc774\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc904\uc5ec \uc2e4\uc9c8 \uc218\uc775\ub960\uc744 \ub192\uc774\ub294 \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n
\ud574\uc678 \ud22c\uc790\ub97c \uc704\ud574\uc11c\ub294 \uc6d0\ud654\ub97c \uc678\ud654\ub85c \ubc14\uafb8\ub294 \uacfc\uc815\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ub54c \ubc1c\uc0dd\ud558\ub294 \ud658\uc804 \uc218\uc218\ub8cc\ub294 \uc740\ud589\uc774\ub098 \uc99d\uad8c\uc0ac\uac00 \uc678\ud654\ub97c \uc0ac\uace0\ud314 \ub54c \uc801\uc6a9\ud558\ub294 \ub9e4\ub9e4\uae30\uc900\uc728\uacfc \uc2e4\uc81c \uc801\uc6a9 \ud658\uc728 \uc0ac\uc774\uc758 \ucc28\uc561\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ubcf4\ud1b5 ‘\uc2a4\ud504\ub808\ub4dc’\ub77c\uace0 \ubd88\ub9ac\ub294 \uc774 \ube44\uc6a9\uc740 \ud22c\uc790\uc790\uac00 \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud558\uae30 \uc804\ubd80\ud130 \uc774\ubbf8 \ub9c8\uc774\ub108\uc2a4 \uc218\uc775\ub960\uc744 \uc548\uace0 \uc2dc\uc791\ud558\uac8c \ub9cc\ub4dc\ub294 \uc694\uc778\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n
\uae08\uc735\uae30\uad00\uc740 \uace0\uc2dc\ub41c \ub9e4\ub9e4\uae30\uc900\uc728\uc5d0 \uc77c\uc815 \ube44\uc728\uc758 \ub9c8\uc9c4\uc744 \ubd99\uc5ec \uace0\uac1d\uc5d0\uac8c \uc678\ud654\ub97c \ud310\ub9e4\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ub9e4\ub9e4\uae30\uc900\uc728\uc774 1,300\uc6d0\uc77c \ub54c 1%\uc758 \uc2a4\ud504\ub808\ub4dc\uac00 \uc801\uc6a9\ub41c\ub2e4\uba74 \ud22c\uc790\uc790\ub294 1,313\uc6d0\uc5d0 \ub2ec\ub7ec\ub97c \uc0ac\uc57c \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c \uc911\uc694\ud55c \uc810\uc740 ‘\ud658\uc728 \uc6b0\ub300 90%’\uc640 \uac19\uc740 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \uc774\ub294 \uae08\uc735\uae30\uad00\uc774 \uac00\uc838\uac00\ub294 \ub9c8\uc9c4(13\uc6d0) \uc911 90%\ub97c \uae4e\uc544\uc8fc\uaca0\ub2e4\ub294 \ub73b\uc73c\ub85c, \uc2e4\uc81c\ub85c\ub294 1.3\uc6d0\uc758 \uc218\uc218\ub8cc\ub9cc \uc9c0\ubd88\ud558\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \ucd08\ubcf4 \ud22c\uc790\uc790\ub77c\uba74 \ubcf8\uc778\uc774 \uc774\uc6a9\ud558\ub294 \ud50c\ub7ab\ud3fc\uc758 \ud658\uc804 \uc6b0\ub300\uc728\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uace0 \ucd5c\ub300\ud55c \ub192\uc740 \uc6b0\ub300\uc728\uc744 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \ube44\uc6a9 \uc808\uac10\uc758 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n
<\/p>\n\n\n\n
\ub9ce\uc740 \ud22c\uc790\uc790\uac00 \ud658\uc804 \uc218\uc218\ub8cc\ub294 \uc778\uc9c0\ud558\uace0 \uc788\uc9c0\ub9cc, \ud658\uac00\ub8cc\uc5d0 \ub300\ud574\uc11c\ub294 \uac04\uacfc\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud658\uac00\ub8cc\ub780 \uc678\ud654 \uc790\uae08\uc758 \uacb0\uc81c \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc77c\uc885\uc758 \uc774\uc790 \uac1c\ub150\uc73c\ub85c, \uc8fc\ub85c \uc678\ud654 \uc218\ud45c\ub97c \ud604\ucc30\ub85c \ubc14\uafb8\uac70\ub098 \uc678\ud654 \uc790\uae08\uc774 \uc989\uc2dc \ud604\uae08\ud654\ub418\uc9c0 \uc54a\uc744 \ub54c \uae08\uc735\uae30\uad00\uc774 \uc9d5\uc218\ud558\ub294 \ube44\uc6a9\uc744 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n
\uc77c\ubc18\uc801\uc778 \uac1c\uc778 \ud22c\uc790\uc790\uac00 \uc99d\uad8c\uc0ac \uc571\uc744 \ud1b5\ud574 \uc2e4\uc2dc\uac04 \ud658\uc804\uc744 \ud560 \ub54c\ub294 \ud658\uac00\ub8cc\uac00 \uc9c1\uc811\uc801\uc73c\ub85c \ub4dc\ub7ec\ub098\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc678\ud654 \uc608\uae08\uc744 \uc778\ucd9c\ud558\uc5ec \ub2e4\ub978 \uae08\uc735\uae30\uad00\uc73c\ub85c \uc1a1\uae08\ud558\uac70\ub098, \ud2b9\uc815 \ud1b5\ud654\uc758 \uacb0\uc81c\uc77c \ucc28\uc774\ub85c \uc778\ud574 \uc790\uae08\uc774 \ubb36\uc774\ub294 \uc0c1\ud669\uc5d0\uc11c \ud658\uac00\ub8cc\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc678\ud654 \ud604\ucc30\uc744 \uc785\uae08\ud55c \ud6c4 \uc9e7\uc740 \uae30\uac04 \ub0b4\uc5d0 \uc774\ub97c \uc1a1\uae08\ud558\uac70\ub098 \uc8fc\uc2dd \ub9e4\uc218\uc5d0 \uc0ac\uc6a9\ud560 \ub54c \uae08\uc735\uae30\uad00\uc5d0 \ub530\ub77c ‘\ud604\ucc30 \uc785\uae08 \ud6c4 \uacbd\uacfc \uae30\uc77c’\uc5d0 \ub530\ub978 \uc218\uc218\ub8cc\ub97c \uc694\uad6c\ud558\uae30\ub3c4 \ud558\ub294\ub370, \uc774 \uc5ed\uc2dc \ub113\uc740 \uc758\ubbf8\uc5d0\uc11c \ud658\uac00\ub8cc\uc640 \uc720\uc0ac\ud55c \uc131\uaca9\uc758 \ube44\uc6a9\uc785\ub2c8\ub2e4. \uc774\ub97c \ud53c\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc678\ud654 \uc790\uae08\uc758 \uc774\ub3d9 \uacbd\ub85c\ub97c \ub2e8\uc21c\ud654\ud558\uace0 \uac00\uae09\uc801 \ub514\uc9c0\ud138 \uacc4\uc88c \ub0b4\uc5d0\uc11c \uc790\uae08\uc774 \ud750\ub974\ub3c4\ub85d \uad00\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n
<\/p>\n\n\n\n
\ub2e8\uc21c\ud788 \uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \uacf3\uc744 \ucc3e\ub294 \uac83\ubcf4\ub2e4 \uc911\uc694\ud55c \uac83\uc740 \ud658\uc804 \ud69f\uc218 \uc790\uccb4\ub97c \uc904\uc774\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc7a6\uc740 \ud658\uc804\uc740 ‘\ud658\ucc28\uc190’\uacfc ‘\uc218\uc218\ub8cc’\ub77c\ub294 \uc774\uc911\uace0\ub97c \uacaa\uac8c \ud569\ub2c8\ub2e4. \uc804\ubb38\uc801\uc778 \ud22c\uc790\uc790\ub4e4\uc740 \ud658\uc728\uc774 \ub0ae\uc744 \ub54c \ubbf8\ub9ac \ud658\uc804\ud574 \ub450\ub294 ‘\ud658\ud14c\ud06c’\uc640 ‘\ud22c\uc790’\ub97c \ubd84\ub9ac\ud558\uc5ec \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n
\ucd5c\uadfc \uc99d\uad8c\uc0ac\ub4e4\uc740 ‘\ud1b5\ud569\uc99d\uac70\uae08’ \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uba70 \uc6d0\ud654\ub85c \ubc14\ub85c \ud574\uc678 \uc8fc\uc2dd\uc744 \uc0b4 \uc218 \uc788\uac8c \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud3b8\ub9ac\ud558\uc9c0\ub9cc, \uc801\uc6a9\ub418\ub294 \ud658\uc728\uc774 \ud22c\uc790\uc790\uc5d0\uac8c \ubd88\ub9ac\ud558\uac8c \uc124\uc815\ub420 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \ubc18\ub300\ub85c \ud658\uc728\uc774 \uc6b0\ud638\uc801\uc77c \ub54c \ubbf8\ub9ac \uc678\ud654\ub97c \ud658\uc804\ud574 \ub450\ub294 ‘\uc678\ud654 \uc608\uc218\uae08’ \ubc29\uc2dd\uc740 \ud658\uc728 \ubcc0\ub3d9 \ub9ac\uc2a4\ud06c\ub97c \uc120\uc81c\uc801\uc73c\ub85c \ubc29\uc5b4\ud560 \uc218 \uc788\uac8c \ud574\uc90d\ub2c8\ub2e4. \ub370\uc774\ud130 \uce21\uba74\uc5d0\uc11c \ubcfc \ub54c, \ud658\uc728 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uae30\uc5d0\ub294 \uc2e4\uc2dc\uac04 \uc790\ub3d9 \ud658\uc804\ubcf4\ub2e4 \ubaa9\ud45c \ud658\uc728\uc5d0 \ub3c4\ub2ec\ud588\uc744 \ub54c \uc218\ub3d9\uc73c\ub85c \ud658\uc804\ud574 \ub450\ub294 \ubc29\uc2dd\uc774 \uc7a5\uae30\uc801\uc73c\ub85c 2~3% \uc774\uc0c1\uc758 \ucd94\uac00 \uc218\uc775 \ud6a8\uacfc\ub97c \ub0b8\ub2e4\ub294 \uc810\uc744 \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n
\ube44\uc6a9 \uc808\uac10\uc758 \uc2e4\ubb34\uc801\uc778 \ud301\uc740 ‘\uc678\ud654 \uac00\uc0c1\uacc4\uc88c’\uc640 ‘\uc774\uccb4 \ub124\ud2b8\uc6cc\ud06c’\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc99d\uad8c\uc0ac \uac04 \uc678\ud654 \uc774\uccb4 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uc804\uc2e0\ub8cc\ub97c \uc544\ub07c\uae30 \uc704\ud574 \ub3d9\uc77c \uc740\ud589 \uc5f0\uacc4 \uacc4\uc88c\ub97c \uc0ac\uc6a9\ud558\uac70\ub098, \uc218\uc218\ub8cc \uba74\uc81c \uc774\ubca4\ud2b8 \uae30\uac04\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \ud0dc\ub3c4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n
\uc8fc\uc2dd\uc744 \ub9e4\ub3c4\ud55c \ud6c4 \ubc1c\uc0dd\ud55c \uc678\ud654\ub97c \ub2e4\uc2dc \uc6d0\ud654\ub85c \ubc14\uafb8\uc9c0 \uc54a\uace0 \uc678\ud654 MMF(Money Market Fund)\ub098 \uc678\ud654 RP(\ud658\ub9e4\uc870\uac74\ubd80\ucc44\uad8c)\uc5d0 \uc608\uce58\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774\ub294 \uc7ac\ud22c\uc790 \ub300\uae30 \uc790\uae08\uc5d0 \ub300\ud574 \uc5f0 4~5% \uc218\uc900\uc758 \ub2ec\ub7ec \uc774\uc790\ub97c \ubc1b\uc73c\uba74\uc11c, \ub3d9\uc2dc\uc5d0 \uc7ac\ud658\uc804 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uc218\uc218\ub8cc \uc9c0\ucd9c\uc744 \uc644\uc804\ud788 \ucc28\ub2e8\ud558\ub294 \ud6a8\uacfc\ub97c \uc90d\ub2c8\ub2e4. \uc989, \uc678\ud654\ub97c ‘\uba38\ubb34\ub974\uac8c’ \ub9cc\ub4dc\ub294 \uac83\uc774 \uad6d\uc81c \uc7ac\ud14c\ud06c\uc758 \uace0\uc218\ub4e4\uc774 \ube44\uc6a9\uc744 \uad00\ub9ac\ud558\ub294 \ud575\uc2ec \ube44\uacb0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n
<\/p>\n\n\n\n
\ud574\uc678 \ud22c\uc790\uc758 \uc131\ud328\ub294 \uc885\ubaa9\uc758 \uc0c1\uc2b9\ud3ed\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc228\uc5b4 \uc788\ub294 \ube44\uc6a9\uc744 \uc5bc\ub9c8\ub098 \ud1b5\uc81c\ud558\ub290\ub0d0\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \ud658\uc804 \uc218\uc218\ub8cc 1%\ub97c \uc544\ub07c\ub294 \uac83\uc740 \ud655\uc815\uc801\uc778 1%\uc758 \uc218\uc775\ub960\uc744 \uc5bb\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\uc774 \uc81c\uacf5\ud558\ub294 \ud658\uc728 \uc6b0\ub300 \uc815\ucc45\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\uace0, \ud658\uac00\ub8cc\uc640 \uac19\uc740 \uc228\uc740 \ube44\uc6a9\uc758 \ubc1c\uc0dd \uacbd\ub85c\ub97c \ucc28\ub2e8\ud558\uba70, \uc678\ud654 \uc790\uc0b0\uc758 \uccb4\ub958 \uc2dc\uac04\uc744 \uc804\ub7b5\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uc2ed\uc2dc\uc624. \uc774\ub7ec\ud55c \uc791\uc740 \ucc28\uc774\uac00 \uc313\uc5ec \uc218\ub144 \ud6c4 \uc5ec\ub7ec\ubd84\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc790\uc0b0 \uac00\uce58\ub97c \uacb0\uc815\uc9d3\ub294 \uacb0\uc815\uc801\uc778 \uc694\uc18c\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
\uad6d\uc81c \uc7ac\ud14c\ud06c\uc758 \uc2dc\ub300\uac00 \uc5f4\ub9ac\uba74\uc11c \ub9ce\uc740 \ud22c\uc790\uc790\uac00 \uad6d\ub0b4 \uc2dc\uc7a5\uc744 \ub118\uc5b4 \ubbf8\uad6d, \uc720\ub7fd, \uc77c\ubcf8 \ub4f1 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud574\uc678 \uc8fc\uc2dd\uc774\ub098 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud560 \ub54c \uc6b0\ub9ac\uac00 \uac00\uc7a5 \uba3c\uc800 \ub9c8\uc8fc\ud558\ub294 \uc7a5\ubcbd\uc740 \ub2e8\uc21c\ud788 \uc885\ubaa9 \uc120\ud0dd\uc758 \uc5b4\ub824\uc6c0\uc774 \uc544\ub2c8\ub77c, \uc608\uc0c1\uce58 \ubabb\ud55c \uacf3\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9 \ubb38\uc81c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ud658\uc804 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc218\ub8cc\uc640 \uc0dd\uc18c\ud55c \uac1c\ub150\uc778 \ud658\uac00\ub8cc\ub294 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uac09\uc544\uba39\ub294 \uc8fc\uc694 \uc6d0\uc778\uc774 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-999","post","type-post","status-publish","format-standard","hentry","category-41"],"featured_image_url":[],"post_author":"seungju1022","assigned_categories":"\uae08\uc735\uc815\ubcf4","_links":{"self":[{"href":"https:\/\/inlifenote.com\/index.php?rest_route=\/wp\/v2\/posts\/999","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/inlifenote.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/inlifenote.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/inlifenote.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/inlifenote.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=999"}],"version-history":[{"count":1,"href":"https:\/\/inlifenote.com\/index.php?rest_route=\/wp\/v2\/posts\/999\/revisions"}],"predecessor-version":[{"id":1000,"href":"https:\/\/inlifenote.com\/index.php?rest_route=\/wp\/v2\/posts\/999\/revisions\/1000"}],"wp:attachment":[{"href":"https:\/\/inlifenote.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=999"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/inlifenote.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=999"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/inlifenote.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=999"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}