{"id":122,"date":"2024-08-01T23:38:01","date_gmt":"2024-08-01T14:38:01","guid":{"rendered":"https:\/\/excatch.com\/?p=122"},"modified":"2024-09-18T10:04:37","modified_gmt":"2024-09-18T01:04:37","slug":"understanding-the-basics-of-individual-pension-accountsiras-and-401ks","status":"publish","type":"post","link":"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/","title":{"rendered":"\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\uc640 401(k)\uc758 \uae30\ucd08 \uc54c\uc544\ubcf4\uae30"},"content":{"rendered":"<p>\ud1f4\uc9c1 \uc900\ube44\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc911\uc694\ud55c \uc7ac\uc815\uc801 \ubaa9\ud45c\uc785\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\uc640 401(k) \uacc4\uc88c\ub294 \ubbf8\uad6d\uc5d0\uc11c \uac00\uc7a5 \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \ub450 \uac00\uc9c0 \ud1f4\uc9c1 \uc800\ucd95 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 IRA\uc640 401(k) \uacc4\uc88c\uc758 \uae30\ubcf8\uc801\uc778 \uac1c\ub150\uc744 \uc124\uba85\ud558\uace0, \uac01\uac01\uc758 \ud2b9\uc9d5, \uc7a5\ub2e8\uc810\uc744 \ube44\uad50\ud558\uba70, \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc774 \uc815\ubcf4\uac00 \uc5ec\ub7ec\ubd84\uc758 \ud1f4\uc9c1 \uc900\ube44\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/#%EA%B0%9C%EC%9D%B8_%EC%97%B0%EA%B8%88_%EA%B3%84%EC%A2%8CIRAs%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80\" title=\"\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\ub780 \ubb34\uc5c7\uc778\uac00?\">\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\ub780 \ubb34\uc5c7\uc778\uac00?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/#401k_%EA%B3%84%ED%9A%8D%EC%9D%98_%EA%B8%B0%EB%B3%B8\" title=\"401(k) \uacc4\ud68d\uc758 \uae30\ubcf8\">401(k) \uacc4\ud68d\uc758 \uae30\ubcf8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/#IRA%EC%99%80_401k%EC%9D%98_%EC%84%B8%EA%B8%88_%ED%98%9C%ED%83%9D_%EB%B9%84%EA%B5%90\" title=\"IRA\uc640 401(k)\uc758 \uc138\uae08 \ud61c\ud0dd \ube44\uad50\">IRA\uc640 401(k)\uc758 \uc138\uae08 \ud61c\ud0dd \ube44\uad50<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/#%EC%A0%81%EC%A0%88%ED%95%9C_%ED%87%B4%EC%A7%81_%EA%B3%84%ED%9A%8D_%EC%84%A0%ED%83%9D%ED%95%98%EA%B8%B0\" title=\"\uc801\uc808\ud55c \ud1f4\uc9c1 \uacc4\ud68d \uc120\ud0dd\ud558\uae30\">\uc801\uc808\ud55c \ud1f4\uc9c1 \uacc4\ud68d \uc120\ud0dd\ud558\uae30<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/#%EA%B2%B0%EB%A1%A0\" title=\"\uacb0\ub860\">\uacb0\ub860<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B0%9C%EC%9D%B8_%EC%97%B0%EA%B8%88_%EA%B3%84%EC%A2%8CIRAs%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80\"><\/span>\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\ub780 \ubb34\uc5c7\uc778\uac00?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\ub294 \uac1c\uc778\uc774 \uc138\uae08 \uc720\uc608 \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba70 \ud1f4\uc9c1 \uc790\uae08\uc744 \uc800\ucd95\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\uc785\ub2c8\ub2e4. IRAs\uc5d0\ub294 \uc5ec\ub7ec \uc885\ub958\uac00 \uc788\uc73c\uba70, \ub300\ud45c\uc801\uc73c\ub85c\ub294 \uc804\ud1b5 IRA\uc640 \ub85c\uc2a4 IRA\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ud1b5 IRA\ub294 \uc138\uae08\uc744 \ub0b4\uae30 \uc804\uc758 \uc18c\ub4dd\uc5d0\uc11c \uae30\uc5ec\uae08\uc744 \ub0a9\ubd80\ud558\uba70, \ud1f4\uc9c1 \ud6c4 \uc778\ucd9c\ud560 \ub54c \uc138\uae08\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4. \ubc18\uba74, \ub85c\uc2a4 IRA\ub294 \uc138\uae08\uc744 \ub0b8 \ud6c4\uc758 \uc18c\ub4dd\uc5d0\uc11c \uae30\uc5ec\uae08\uc744 \ub0a9\ubd80\ud558\ubbc0\ub85c, \ud1f4\uc9c1 \ud6c4 \uc790\uae08\uc744 \uc778\ucd9c\ud560 \ub54c \ucd94\uac00\uc801\uc778 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"401k_%EA%B3%84%ED%9A%8D%EC%9D%98_%EA%B8%B0%EB%B3%B8\"><\/span>401(k) \uacc4\ud68d\uc758 \uae30\ubcf8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>401(k)\ub294 \uc8fc\ub85c \uace0\uc6a9\uc8fc\uac00 \uc81c\uacf5\ud558\ub294 \ud1f4\uc9c1 \uc800\ucd95 \uacc4\ud68d\uc73c\ub85c, \uc9c1\uc6d0\uc774 \uae09\uc5ec\uc758 \uc77c\uc815 \ubd80\ubd84\uc744 \ud1f4\uc9c1 \uacc4\uc88c\ub85c \uc9c1\uc811 \uc774\uccb4\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774 \uae08\uc561\uc740 \uc138\uc804 \uc18c\ub4dd\uc5d0\uc11c \uc81c\uc678\ub418\ubbc0\ub85c \ud604\uc7ac\uc758 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uacbd\uc6b0, \uace0\uc6a9\uc8fc\ub294 \uc9c1\uc6d0\uc758 \uae30\uc5ec\uae08\uc5d0 \uc77c\uce58\ud558\ub294 \uae08\uc561\uc744 \ucd94\uac00\ub85c \uae30\uc5ec\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774 \uacc4\ud68d\uc740 \ub610\ud55c \ub85c\uc2a4 401(k) \uc635\uc158\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub294\ub370, \uc774\ub294 \ub85c\uc2a4 IRA\uc640 \uc720\uc0ac\ud55c \uc138\uae08 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IRA%EC%99%80_401k%EC%9D%98_%EC%84%B8%EA%B8%88_%ED%98%9C%ED%83%9D_%EB%B9%84%EA%B5%90\"><\/span>IRA\uc640 401(k)\uc758 \uc138\uae08 \ud61c\ud0dd \ube44\uad50<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IRA\uc640 401(k) \ubaa8\ub450 \uc138\uae08 \uc720\uc608 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc774\ub4e4 \uacc4\uc88c\uc758 \uc138\uae08 \ucc98\ub9ac \ubc29\uc2dd\uc5d0\ub294 \uc911\uc694\ud55c \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ud1b5 IRA\uc640 \uc804\ud1b5 401(k)\ub294 \uc138\uae08\uc744 \ub0a9\ubd80\ud558\uae30 \uc804\uc758 \uc18c\ub4dd\uc5d0\uc11c \uae30\uc5ec\uac00 \uc774\ub8e8\uc5b4\uc9c0\ubbc0\ub85c \uc5f0\ub9d0 \uc138\uae08 \ubcf4\uace0 \uc2dc \ud574\ub2f9 \uae30\uc5ec\uae08\ub9cc\ud07c \uc18c\ub4dd\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \ubc18\uba74, \ub85c\uc2a4 IRA\uc640 \ub85c\uc2a4 401(k)\ub294 \uc138\ud6c4 \uc18c\ub4dd\uc5d0\uc11c \uae30\uc5ec\uac00 \uc774\ub8e8\uc5b4\uc9c0\uba70, \ud1f4\uc9c1 \uc2dc \uc138\uae08 \uc5c6\uc774 \uc790\uae08\uc744 \uc778\ucd9c\ud560 \uc218 \uc788\ub294 \uc8fc\uc694 \ud61c\ud0dd\uc744 \uac16\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%81%EC%A0%88%ED%95%9C_%ED%87%B4%EC%A7%81_%EA%B3%84%ED%9A%8D_%EC%84%A0%ED%83%9D%ED%95%98%EA%B8%B0\"><\/span>\uc801\uc808\ud55c \ud1f4\uc9c1 \uacc4\ud68d \uc120\ud0dd\ud558\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc801\uc808\ud55c \ud1f4\uc9c1 \uacc4\ud68d\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc740 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud669, \uc138\uae08 \ubd80\ub2f4, \ud1f4\uc9c1 \ubaa9\ud45c\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud604\uc7ac \uc18c\ub4dd\uc774 \ub192\uace0 \ud1f4\uc9c1 \uc2dc \uc18c\ub4dd\uc774 \uc904\uc5b4\ub4e4 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uacbd\uc6b0, \uc804\ud1b5 IRA\ub098 \uc804\ud1b5 401(k)\uac00 \ub354 \uc720\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ud604\uc7ac \uc18c\ub4dd\uc774 \ub0ae\uac70\ub098 \ud1f4\uc9c1 \uc2dc \uc18c\ub4dd\uc774 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uacbd\uc6b0 \ub85c\uc2a4 IRA\ub098 \ub85c\uc2a4 401(k)\uac00 \ub354 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \uacc4\ud68d\uc758 \uc870\uac74\uacfc \uaddc\uce59\uc744 \uc798 \uc774\ud574\ud558\uace0, \ud544\uc694\ud55c \uacbd\uc6b0 \uc7ac\uc815 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \uad6c\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B2%B0%EB%A1%A0\"><\/span>\uacb0\ub860<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\uc640 401(k) \uacc4\ud68d\uc740 \ud1f4\uc9c1\uc744 \uc900\ube44\ud558\ub294 \ub370 \uc788\uc5b4 \ub9e4\uc6b0 \uc911\uc694\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uac01 \uacc4\ud68d\uc758 \uc7a5\ub2e8\uc810\uc744 \uc774\ud574\ud558\uace0 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774 \uae00\uc744 \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc774 \uac01 \uacc4\uc88c\uc758 \ud2b9\uc131\uc744 \uc774\ud574\ud558\uace0, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ud1f4\uc9c1 \uacc4\ud68d\uc744 \uc120\ud0dd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uae30\ub97c \ubc14\ub78d\ub2c8\ub2e4. \uc7ac\uc815\uc758 \ubbf8\ub798\ub97c \uacc4\ud68d\ud560 \ub54c\ub294 \ud56d\uc0c1 \uc2e0\uc911\uc744 \uae30\ud558\uace0, \ud544\uc694\ud558\ub2e4\uba74 \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc73c\uc138\uc694.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud1f4\uc9c1 \uc900\ube44\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc911\uc694\ud55c \uc7ac\uc815\uc801 \ubaa9\ud45c\uc785\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\uc640 401(k) \uacc4\uc88c\ub294 \ubbf8\uad6d\uc5d0\uc11c \uac00\uc7a5 \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \ub450 \uac00\uc9c0 \ud1f4\uc9c1 \uc800\ucd95 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 IRA\uc640 401(k) \uacc4\uc88c\uc758 \uae30\ubcf8\uc801\uc778 \uac1c\ub150\uc744 \uc124\uba85\ud558\uace0, \uac01\uac01\uc758 \ud2b9\uc9d5, \uc7a5\ub2e8\uc810\uc744 \ube44\uad50\ud558\uba70, \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc774 \uc815\ubcf4\uac00 \uc5ec\ub7ec\ubd84\uc758 \ud1f4\uc9c1 \uc900\ube44\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\ub780 \ubb34\uc5c7\uc778\uac00? \uac1c\uc778 &#8230; <a title=\"\uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\uc640 401(k)\uc758 \uae30\ucd08 \uc54c\uc544\ubcf4\uae30\" class=\"read-more\" href=\"https:\/\/excatch.com\/understanding-the-basics-of-individual-pension-accountsiras-and-401ks\/\" aria-label=\"Read more about \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c(IRAs)\uc640 401(k)\uc758 \uae30\ucd08 \uc54c\uc544\ubcf4\uae30\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[96,93,95,94],"_links":{"self":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/122"}],"collection":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":1,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/122\/revisions"}],"predecessor-version":[{"id":124,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/122\/revisions\/124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media\/123"}],"wp:attachment":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media?parent=122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/categories?post=122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/tags?post=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}