{"id":324,"date":"2024-08-30T17:14:35","date_gmt":"2024-08-30T08:14:35","guid":{"rendered":"https:\/\/excatch.com\/?p=324"},"modified":"2024-09-18T13:11:47","modified_gmt":"2024-09-18T04:11:47","slug":"developing-a-balanced-savings-and-investment-strategy","status":"publish","type":"post","link":"https:\/\/excatch.com\/developing-a-balanced-savings-and-investment-strategy\/","title":{"rendered":"\uc808\uc57d\uacfc \ud22c\uc790 \uade0\ud615 \uc7a1\ud78c \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\ud558\uae30"},"content":{"rendered":"<p>\uc7ac\ud14c\ud06c\ub294 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uac1c\uc120\ud558\uace0 \uc7a5\uae30\uc801\uc73c\ub85c \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uc774\ub8e8\uae30 \uc704\ud55c \ud544\uc218\uc801\uc778 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774\ub54c \uc808\uc57d\uacfc \ud22c\uc790\ub294 \uc0c1\ubc18\ub41c \uac1c\ub150\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uc0c1\ud638 \ubcf4\uc644\uc801\uc785\ub2c8\ub2e4. \uc808\uc57d\uc744 \ud1b5\ud574 \uc790\uae08\uc744 \ub9c8\ub828\ud558\uace0, \uc774\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc5ec \uc7ac\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \uac83\uc774 \uc7ac\ud14c\ud06c\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc808\uc57d\uacfc \ud22c\uc790\ub97c \uade0\ud615 \uc788\uac8c \ud65c\uc6a9\ud558\uc5ec \ud6a8\uacfc\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ubc29\ubc95\uc744 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-172 size-medium\" src=\"http:\/\/excatch.com\/wp-content\/uploads\/2024\/05\/20-300x200.jpg\" alt=\"\uc5ec\uc790\uac00 \ub3c8\uc744 \ub4e4\uace0 \uc788\ub294 \uc0ac\uc9c4\" width=\"300\" height=\"200\" srcset=\"https:\/\/excatch.com\/wp-content\/uploads\/2024\/05\/20-300x200.jpg 300w, https:\/\/excatch.com\/wp-content\/uploads\/2024\/05\/20.jpg 640w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/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\/developing-a-balanced-savings-and-investment-strategy\/#%EC%A0%88%EC%95%BD%EA%B3%BC_%EC%9E%AC%ED%85%8C%ED%81%AC%EC%9D%98_%EC%8B%9C%EC%9E%91_%EB%8B%A8%EA%B3%84\" title=\"\uc808\uc57d\uacfc \uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791 \ub2e8\uacc4\">\uc808\uc57d\uacfc \uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791 \ub2e8\uacc4<\/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\/developing-a-balanced-savings-and-investment-strategy\/#%ED%88%AC%EC%9E%90%EC%99%80%EC%9E%AC%EC%82%B0_%EC%A6%9D%EC%8B%9D%EC%9D%98_%ED%95%B5%EC%8B%AC\" title=\"\ud22c\uc790\uc640\uc7ac\uc0b0 \uc99d\uc2dd\uc758 \ud575\uc2ec\">\ud22c\uc790\uc640\uc7ac\uc0b0 \uc99d\uc2dd\uc758 \ud575\uc2ec<\/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\/developing-a-balanced-savings-and-investment-strategy\/#%EC%A0%88%EC%95%BD%EA%B3%BC_%ED%88%AC%EC%9E%90_%EA%B7%A0%ED%98%95_%EB%A7%9E%EC%B6%94%EA%B8%B0\" title=\"\uc808\uc57d\uacfc \ud22c\uc790, \uade0\ud615 \ub9de\ucd94\uae30\">\uc808\uc57d\uacfc \ud22c\uc790, \uade0\ud615 \ub9de\ucd94\uae30<\/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\/developing-a-balanced-savings-and-investment-strategy\/#%EA%B2%B0%EB%A1%A0\" title=\"\uacb0\ub860\">\uacb0\ub860<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%88%EC%95%BD%EA%B3%BC_%EC%9E%AC%ED%85%8C%ED%81%AC%EC%9D%98_%EC%8B%9C%EC%9E%91_%EB%8B%A8%EA%B3%84\"><\/span>\uc808\uc57d\uacfc \uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791 \ub2e8\uacc4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc808\uc57d\uc740 \uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791\uc785\ub2c8\ub2e4. \uc544\ubb34\ub9ac \uc88b\uc740 \ud22c\uc790 \uae30\ud68c\uac00 \uc788\ub354\ub77c\ub3c4 \uc790\ubcf8\uc774 \uc5c6\ub2e4\uba74 \uc2e4\ud589\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc808\uc57d\uc744 \ud1b5\ud574 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\uace0, \ub0a8\uc740 \uc790\uae08\uc744 \ud22c\uc790\uc5d0 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\uba3c\uc800 \uc9c0\ucd9c \uad00\ub9ac\ub97c \ud574\uc57c\ud569\ub2c8\ub2e4.\ud544\uc218 \uc9c0\ucd9c\uacfc \uc120\ud0dd\uc801 \uc9c0\ucd9c \uad6c\ubd84: \uc0dd\ud65c\uc5d0 \uaf2d \ud544\uc694\ud55c \ud544\uc218 \uc9c0\ucd9c(\uc8fc\uac70\ube44, \uc2dd\ube44 \ub4f1)\uacfc \uc120\ud0dd\uc801 \uc9c0\ucd9c(\uc5ec\uac00\ube44, \uc678\uc2dd\ube44 \ub4f1)\uc744 \uad6c\ubd84\ud558\uc5ec \uc120\ud0dd\uc801 \uc9c0\ucd9c\uc744 \uc904\uc5ec \ub098\uac11\ub2c8\ub2e4.\uc608\uc0b0 \uc124\uc815\uc744 \ud574\uc57c\ud569\ub2c8\ub2e4. \ub9e4\ub2ec \uc0ac\uc6a9\ud560 \uc608\uc0b0\uc744 \ubbf8\ub9ac \uc124\uc815\ud558\uace0 \uc774\ub97c \uc900\uc218\ud558\ub294 \uc2b5\uad00\uc744 \uae30\ub985\ub2c8\ub2e4. \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc774 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\ub3c4\ub85d \uc608\uc0b0 .\ub0b4\uc5d0\uc11c \uc0dd\ud65c\ud569\ub2c8\ub2e4.\ud560\uc778 \ubc0f \ucfe0\ud3f0 \ud65c\uc6a9 \ud569\ub2c8\ub2e4. \ud544\uc694\ud55c \ubb3c\ud488\uc744 \uad6c\ub9e4\ud560 \ub54c \ud560\uc778 \ud61c\ud0dd\uc774\ub098 \ucfe0\ud3f0\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\uc5ec \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4.\uc790\ub3d9 \uc800\ucd95 \uc124\uc815\ud574\uc57c\ud569\ub2c8\ub2e4.\uc790\ub3d9 \uc800\ucd95 \uc2dc\uc2a4\ud15c \ub9c8\ub828\ud569\ub2c8\ub2e4. \uc6d4\uae09\uc774\ub098 \uc218\uc785\uc774 \ub4e4\uc5b4\uc624\uba74 \uc77c\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc73c\ub85c \uc800\ucd95\ud558\ub294 \uc2dc\uc2a4\ud15c\uc744 \ub9c8\ub828\ud569\ub2c8\ub2e4. \uc790\ub3d9 \uc800\ucd95\uc740 \uc800\ucd95 \uc2b5\uad00\uc744 \uae38\ub7ec\uc8fc\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \ud070 \uae08\uc561\uc744 \ubaa8\uc73c\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\uc18c\ube44 \uc2b5\uad00 \uac1c\uc120\uc744 \ud574\uc57c\ud569\ub2c8\ub2e4.\ucda9\ub3d9 \uad6c\ub9e4 \uc790\uc81c\ud574\uc57c\ud569\ub2c8\ub2e4. \ud544\uc694\ud558\uc9c0 \uc54a\uc740 \ubb3c\uac74\uc744 \ucda9\ub3d9\uc801\uc73c\ub85c \uad6c\ub9e4\ud558\uc9c0 \uc54a\ub3c4\ub85d \uc8fc\uc758\ud569\ub2c8\ub2e4. \uad6c\ub9e4 \uc804\uc5d0 \uace0\ubbfc\ud558\uace0, \uc9c4\uc815\uc73c\ub85c \ud544\uc694\ud55c\uc9c0 \ub2e4\uc2dc \uc0dd\uac01\ud558\ub294 \uc2b5\uad00\uc744 \uae30\ub985\ub2c8\ub2e4.\uae30\uc874 \ubb3c\ud488 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc0c8\ub85c\uc6b4 \ubb3c\uac74\uc744 \uc0ac\uae30\ubcf4\ub2e4\ub294 \uae30\uc874\uc758 \ubb3c\ud488\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uc5ec \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%ED%88%AC%EC%9E%90%EC%99%80%EC%9E%AC%EC%82%B0_%EC%A6%9D%EC%8B%9D%EC%9D%98_%ED%95%B5%EC%8B%AC\"><\/span>\ud22c\uc790\uc640\uc7ac\uc0b0 \uc99d\uc2dd\uc758 \ud575\uc2ec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc808\uc57d\ud55c \uc790\uae08\uc744 \ub2e8\uc21c\ud788 \uc800\ucd95\ub9cc \ud574\ub454\ub2e4\uba74 \uc778\ud50c\ub808\uc774\uc158 \ub4f1\uc73c\ub85c \uc790\uc0b0 \uac00\uce58\uac00 \ud558\ub77d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc808\uc57d\uc744 \ud1b5\ud574 \ubaa8\uc740 \uc790\uae08\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc5ec \uc790\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\ud22c\uc790 \ubaa9\ud45c \uc124\uc815\uc744 \ud574\uc57c\ud569\ub2c8\ub2e4.\ub2e8\uae30\uc640 \uc7a5\uae30 \ubaa9\ud45c \uc124\uc815\uc774 \uc788\ub294\ub370 \ud22c\uc790 \uae30\uac04\uc5d0 \ub530\ub77c \ubaa9\ud45c\ub97c \uc124\uc815\ud569\ub2c8\ub2e4. \ub2e8\uae30 \ubaa9\ud45c(1~3\ub144)\uc640 \uc7a5\uae30 \ubaa9\ud45c(5\ub144 \uc774\uc0c1)\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6cc\uc57c \ud569\ub2c8\ub2e4. \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704 \ud30c\uc545\ud569\ub2c8\ub2e4. \uc790\uc2e0\uc758 \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704\ub97c \ud30c\uc545\ud558\uace0, \uadf8\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud569\ub2c8\ub2e4. \ubcf4\uc218\uc801\uc778 \ud22c\uc790\uc790\ub77c\uba74 \uc548\uc815\uc801\uc778 \ucc44\uad8c\uc774\ub098 \uc608\uae08\uc744, \uacf5\uaca9\uc801\uc778 \ud22c\uc790\uc790\ub77c\uba74 \uc8fc\uc2dd\uc774\ub098 \ud380\ub4dc\ub97c \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\uac01\ud654 \uc790\uc0b0 \ubd84\ubc30\ud569\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \uae08 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \uc904\uc785\ub2c8\ub2e4. \ud55c \uc790\uc0b0\uad70\uc774 \ubd80\uc9c4\ud560 \ub54c \ub2e4\ub978 \uc790\uc0b0\uad70\uc5d0\uc11c \uc190\uc2e4\uc744 \ubcf4\uc644\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc2dc\uc7a5 \uc870\uc0ac\ud574\uc57c\ud569\ub2c8\ub2e4. \ud22c\uc790\ud560 \uc790\uc0b0\uc5d0 \ub300\ud574 \ucda9\ubd84\ud788 \uc870\uc0ac\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uc790\uc0b0\uc744 \uc120\ud0dd\ud569\ub2c8\ub2e4.\uc7a5\uae30 \ud22c\uc790 \uc804\ub7b5\uc73c\ub85c\ubcf5\ub9ac \ud6a8\uacfc \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc7a5\uae30 \ud22c\uc790\uc758 \uacbd\uc6b0 \ubcf5\ub9ac \ud6a8\uacfc\ub85c \uc778\ud574 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc790\uc0b0\uc774 \uae30\ud558\uae09\uc218\uc801\uc73c\ub85c \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \ub54c \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc744 \uac00\uc9c0\uace0 \uc120\ud0dd\ud558\uc138\uc694.\uac10\uc815\uc801 \ud22c\uc790 \ud53c\ud574\uc57c\ud569\ub2c8\ub2e4. \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0, \uac10\uc815\uc801 \ud22c\uc790 \uacb0\uc815\uc744 \ud53c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 \uafb8\uc900\ud788 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\uc815\uae30\uc801\uc778 \ud22c\uc790 \uc810\uac80\ud569\ub2c8\ub2e4.\uc8fc\uae30\uc801\uc73c\ub85c \ud22c\uc790 \uc131\uacfc\ub97c \uc810\uac80\ud558\uace0, \ud544\uc694 \uc2dc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc7ac\uc870\uc815\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uc0c1\ud669 \ubcc0\ud654\uc5d0 \ub530\ub77c \uc720\uc5f0\ud558\uac8c \ub300\ucc98\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\ub9ac\ubc38\ub7f0\uc2f1\uc73c\ub85c \uc790\uc0b0\uc758 \ube44\uc728\uc774 \ubaa9\ud45c\ud55c \ubc94\uc704\ub97c \ubc97\uc5b4\ub0ac\uc744 \ub54c, \uc6d0\ub798\uc758 \ube44\uc728\ub85c \ub418\ub3cc\ub9ac\ub294 \ub9ac\ubc38\ub7f0\uc2f1 \uc791\uc5c5\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \uc218\ud589\ud558\uc5ec \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A0%88%EC%95%BD%EA%B3%BC_%ED%88%AC%EC%9E%90_%EA%B7%A0%ED%98%95_%EB%A7%9E%EC%B6%94%EA%B8%B0\"><\/span>\uc808\uc57d\uacfc \ud22c\uc790, \uade0\ud615 \ub9de\ucd94\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc808\uc57d\uacfc \ud22c\uc790\ub294 \uc7ac\ud14c\ud06c\uc758 \uc591\ub300 \ucd95\uc785\ub2c8\ub2e4. \uc5b4\ub290 \ud55c\ucabd\uc5d0 \uce58\uc6b0\uce58\uc9c0 \uc54a\uace0, \uade0\ud615\uc744 \ub9de\ucd94\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\uc808\uc57d\uc73c\ub85c \ud22c\uc790 \uc790\uae08 \ub9c8\ub828\uc744 \uc704\ud574 \ub178\ub825\ud569\ub2c8\ub2e4. \uc808\uc57d\uc744 \ud1b5\ud574 \uc790\ubcf8\uc744 \ub9c8\ub828\ud55c \ud6c4, \uadf8 \uc790\ubcf8\uc744 \ud22c\uc790\ud558\uc5ec \uc790\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \uad6c\uc870\ub97c \ub9cc\ub4dc\uc138\uc694.\uc9c0\ucd9c \uad00\ub9ac\uc640 \ud22c\uc790 \uc218\uc775\uc758 \uade0\ud615\uc744 \uc7a1\uc544\uc57c \ud569\ub2c8\ub2e4.\uc808\uc57d\ub9cc \uc9c0\ub098\uce58\uac8c \uac15\uc870\ud558\uba74 \uc0b6\uc758 \uc9c8\uc774 \ub5a8\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c, \ubb34\ub9ac\ud55c \ud22c\uc790\ub294 \uc790\uc0b0\uc744 \uc783\uc744 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ub450 \uac00\uc9c0\ub97c \uade0\ud615 \uc788\uac8c \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \ub9cc\ub4dc\ub294 \ub370 \uc911\uc694\ud569\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>\uc808\uc57d\uacfc \ud22c\uc790\ub294 \uc0c1\ud638 \ubcf4\uc644\uc801\uc778 \uad00\uacc4\ub85c, \uade0\ud615 \uc7a1\ud78c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc808\uc57d\uc744 \ud1b5\ud574 \uc790\uae08\uc744 \ud655\ubcf4\ud558\uace0, \uadf8 \uc790\uae08\uc744 \uc804\ub7b5\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc5ec \uc790\uc0b0\uc744 \uc99d\uc2dd\uc2dc\ud0a4\ub294 \uac83\uc774 \uc7ac\uc815\uc801 \uc790\uc720\ub85c \uac00\ub294 \uae38\uc785\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ucca0\uc800\ud55c \uc9c0\ucd9c \uad00\ub9ac, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uacc4\ud68d, \uadf8\ub9ac\uace0 \uafb8\uc900\ud55c \uc2e4\ucc9c\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc7ac\ud14c\ud06c\ub294 \ub2e8\uae30\uac04\uc758 \uc131\uacfc\uac00 \uc544\ub2cc \uc9c0\uc18d \uac00\ub2a5\ud55c \uc0dd\ud65c\uc2b5\uad00\uc774 \ub418\uc5b4\uc57c \ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uacbd\uc81c\uc801 \ubbf8\ub798\ub97c \ub9cc\ub4e4\uc5b4\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ud14c\ud06c\ub294 \uc6b0\ub9ac \ubaa8\ub450\uac00 \uafc8\uafb8\ub294 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub2ec\uc131\ud558\ub294 \uc911\uc694\ud55c \uc5f4\uc1e0\uc785\ub2c8\ub2e4. \uc808\uc57d\uacfc \ud22c\uc790\ub97c \ud1b5\ud574 \uade0\ud615 \uc7a1\ud78c \uc7ac\uc815 \uad00\ub9ac\ub97c \uc2e4\ucc9c\ud558\uace0, \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \ud5a5\ud574 \ub098\uc544\uac00\ub294 \uae38\uc740 \ud5d8\ub09c\ud560 \uc218 \uc788\uc9c0\ub9cc, \uadf8 \uacb0\uc2e4\uc740 \ub2ec\ucf64\ud560 \uac83\uc785\ub2c8\ub2e4. \ub2f9\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uac1c\uc120\ud558\uace0, \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ud5a5\ud55c \uae38\uc744 \uac1c\ucc99\ud558\uc138\uc694.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc7ac\ud14c\ud06c\ub294 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uac1c\uc120\ud558\uace0 \uc7a5\uae30\uc801\uc73c\ub85c \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uc774\ub8e8\uae30 \uc704\ud55c \ud544\uc218\uc801\uc778 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774\ub54c \uc808\uc57d\uacfc \ud22c\uc790\ub294 \uc0c1\ubc18\ub41c \uac1c\ub150\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uc0c1\ud638 \ubcf4\uc644\uc801\uc785\ub2c8\ub2e4. \uc808\uc57d\uc744 \ud1b5\ud574 \uc790\uae08\uc744 \ub9c8\ub828\ud558\uace0, \uc774\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc5ec \uc7ac\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \uac83\uc774 \uc7ac\ud14c\ud06c\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc808\uc57d\uacfc \ud22c\uc790\ub97c \uade0\ud615 \uc788\uac8c \ud65c\uc6a9\ud558\uc5ec \ud6a8\uacfc\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ubc29\ubc95\uc744 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc808\uc57d\uacfc \uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791 \ub2e8\uacc4 \uc808\uc57d\uc740 \uc7ac\ud14c\ud06c\uc758 \uc2dc\uc791\uc785\ub2c8\ub2e4. &#8230; <a title=\"\uc808\uc57d\uacfc \ud22c\uc790 \uade0\ud615 \uc7a1\ud78c \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\ud558\uae30\" class=\"read-more\" href=\"https:\/\/excatch.com\/developing-a-balanced-savings-and-investment-strategy\/\" aria-label=\"Read more about \uc808\uc57d\uacfc \ud22c\uc790 \uade0\ud615 \uc7a1\ud78c \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\ud558\uae30\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[171,172,80,118,155,91],"_links":{"self":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/324"}],"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=324"}],"version-history":[{"count":3,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/324\/revisions"}],"predecessor-version":[{"id":357,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/324\/revisions\/357"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media\/325"}],"wp:attachment":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media?parent=324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/categories?post=324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/tags?post=324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}