{"id":380,"date":"2024-09-04T10:20:33","date_gmt":"2024-09-04T01:20:33","guid":{"rendered":"https:\/\/excatch.com\/?p=380"},"modified":"2024-09-18T13:15:05","modified_gmt":"2024-09-18T04:15:05","slug":"essential-financial-terms-explained-for-beginner-investors","status":"publish","type":"post","link":"https:\/\/excatch.com\/essential-financial-terms-explained-for-beginner-investors\/","title":{"rendered":"\ucd08\ubcf4 \ud22c\uc790\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc7ac\ud14c\ud06c \uc6a9\uc5b4 \ud574\uc124"},"content":{"rendered":"<p>\uc7ac\ud14c\ud06c\ub97c \ucc98\uc74c \uc2dc\uc791\ud558\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\uc5d0\uac8c \uac00\uc7a5 \uc911\uc694\ud55c \uccab\uac78\uc74c\uc740 \uad00\ub828 \uc6a9\uc5b4\ub4e4\uc744 \uc774\ud574\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ub2e4\uc591\ud55c \uc6a9\uc5b4\uc640 \uac1c\ub150\ub4e4\ub85c \uc774\ub8e8\uc5b4\uc838 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \uc6a9\uc5b4\ub4e4\uc744 \uc81c\ub300\ub85c \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\uac00 \ubc18\ub4dc\uc2dc \uc54c\uc544\uc57c \ud560 \ud544\uc218 \uc7ac\ud14c\ud06c \uc6a9\uc5b4\ub4e4\uc744 \uc27d\uac8c \uc124\uba85\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-416 size-medium aligncenter\" src=\"http:\/\/excatch.com\/wp-content\/uploads\/2024\/09\/chart-6164414_640-300x203.png\" alt=\"\uc0ac\ub78c\uc774 \ud654\uc0b4\ud45c\ub97c \ub530\ub77c \uac00\ub294 \uc7a5\uba74 \" width=\"300\" height=\"203\" srcset=\"https:\/\/excatch.com\/wp-content\/uploads\/2024\/09\/chart-6164414_640-300x203.png 300w, https:\/\/excatch.com\/wp-content\/uploads\/2024\/09\/chart-6164414_640.png 640w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>&nbsp;<\/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\/essential-financial-terms-explained-for-beginner-investors\/#%EC%9E%90%EC%82%B0_%EB%B0%B0%EB%B6%84_Asset_Allocation\" title=\"\uc790\uc0b0 \ubc30\ubd84 (Asset Allocation)\">\uc790\uc0b0 \ubc30\ubd84 (Asset Allocation)<\/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\/essential-financial-terms-explained-for-beginner-investors\/#%EB%A6%AC%EC%8A%A4%ED%81%AC%EC%99%80_%EC%88%98%EC%9D%B5%EB%A5%A0_Risk_and_Return\" title=\"\ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960 (Risk and Return)\">\ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960 (Risk and Return)<\/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\/essential-financial-terms-explained-for-beginner-investors\/#%EB%B3%B5%EB%A6%AC%EC%9D%98_%EC%9D%B4%ED%95%B4\" title=\"\ubcf5\ub9ac\uc758 \uc774\ud574\">\ubcf5\ub9ac\uc758 \uc774\ud574<\/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\/essential-financial-terms-explained-for-beginner-investors\/#%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%9E%90%EC%82%B0_%EB%B0%B0%EB%B6%84_Asset_Allocation\"><\/span>\uc790\uc0b0 \ubc30\ubd84 (Asset Allocation)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc790\uc0b0 \ubc30\ubd84\uc740 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4\uc5d0\uc11c \uc790\uae08\uc744 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0\uc2dc\ud0a4\ub294 \uc804\ub7b5\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ud604\uae08, \ubd80\ub3d9\uc0b0 \ub4f1 \uc5ec\ub7ec \uc790\uc0b0\uad70\uc5d0 \uc790\uae08\uc744 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ud2b9\uc815 \uc790\uc0b0\uc5d0 \uc758\ud55c \ubcc0\ub3d9\uc131\uc744 \uc904\uc774\uace0, \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc218\uc775\ub960\uc744 \ubcf4\ub2e4 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ubaa9\ud45c\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\ub9cc\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uac8c \ub418\uba74 \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub530\ub77c \ud070 \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ucc44\uad8c\uc774\ub098 \ud604\uae08\uacfc \uac19\uc740 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc744 \ud568\uaed8 \ubcf4\uc720\ud55c\ub2e4\uba74, \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \uae09\uaca9\ud55c \ubcc0\ub3d9\uc5d0\ub3c4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc548\uc815\uc131\uc744 \uc5b4\ub290 \uc815\ub3c4 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc790\uc0b0 \ubc30\ubd84\uc740 \uac1c\uc778\uc758 \ud22c\uc790 \ubaa9\ud45c, \ub9ac\uc2a4\ud06c \uac10\uc218 \uc131\ud5a5, \ud22c\uc790 \uae30\uac04\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc80a\uace0 \uacf5\uaca9\uc801\uc778 \ud22c\uc790\uc790\ub77c\uba74 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uae30\ub300\ud558\uba70 \uc8fc\uc2dd\uc5d0 \ub354 \ub9ce\uc740 \uc790\uae08\uc744 \ubc30\ubd84\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc740\ud1f4\ub97c \uc55e\ub454 \ud22c\uc790\uc790\ub294 \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\uae30 \uc704\ud574 \ucc44\uad8c\uc774\ub098 \ud604\uae08\uacfc \uac19\uc740 \uc548\uc804 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd08\ubcf4 \ud22c\uc790\uc790\ub294 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uace0, \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uc7a5\uae30 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc790\uc0b0 \ubc30\ubd84\uc744 \uc774\ud574\ud558\uba74 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uac8c \ub418\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacf5\uc758 \uc911\uc694\ud55c \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EB%A6%AC%EC%8A%A4%ED%81%AC%EC%99%80_%EC%88%98%EC%9D%B5%EB%A5%A0_Risk_and_Return\"><\/span>\ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960 (Risk and Return)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ud22c\uc790\uc640 \uad00\ub828\ub41c \uc704\ud5d8 \ub9ac\uc2a4\ud06c \uc5d0\ub294 \ub2e4\uc591\ud55c \uc720\ud615\uc774 \uc788\uc2b5\ub2c8\ub2e4.\uc2dc\uc7a5\ub9ac\uc2a4\ud06c\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uae30\uce68\uccb4, \uc815\uce58\uc801 \ubd88\uc548 \ub4f1 \uc2dc\uc7a5 \uc804\uccb4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc694\uc778\uc73c\ub85c \uc778\ud574 \ud22c\uc790\uac00 \uc704\ucd95\ub420 \uc704\ud5d8\uc785\ub2c8\ub2e4.\uc2e0\uc6a9 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucc28\uc6a9\uc778\uc774 \ub300\ucd9c\uc774\ub098 \ucc44\uad8c\uc744 \ubd88\uc774\ud589\ud560 \uc704\ud5d8\uc785\ub2c8\ub2e4.<br \/>\n\uc720\ub3d9\uc131 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc190\uc2e4\uc744 \ubc29\uc9c0\ud558\uac70\ub098 \ucd5c\uc18c\ud654\ud560 \ub9cc\ud07c \uc790\uc0b0\uc744 \uc2dc\uc7a5\uc5d0\uc11c \uc2e0\uc18d\ud558\uac8c \ud310\ub9e4\ud560 \uc218 \uc5c6\ub294 \uc704\ud5d8\uc785\ub2c8\ub2e4.\uc778\ud50c\ub808\uc774\uc158 \uc704\ud5d8\uc774\ub77c\ub294 \uac83\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc774 \ud654\ud3d0 \uad6c\ub9e4\ub825\uc744 \uc57d\ud654\uc2dc\ucf1c \uc7a0\uc7ac\uc801\uc73c\ub85c \uc218\uc775\uc758 \uc2e4\uc9c8 \uac00\uce58\ub97c \uac10\uc18c\uc2dc\ud0ac \uc704\ud5d8\uc785\ub2c8\ub2e4.\ud22c\uc790\uc790\ub294 \ubaa8\ub4e0 \ud22c\uc790\uac00 \uc77c\uc815 \uc218\uc900\uc758 \uc704\ud5d8\uc744 \uc218\ubc18\ud55c\ub2e4\ub294 \uc810\uc744 \uc778\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uad6d\ucc44\ub098 \uc800\ucd95 \uacc4\uc88c\uc640 \uac19\uc740 &#8220;\uc548\uc804\ud55c&#8221; \ud22c\uc790\ub77c\ub3c4 \uc704\ud5d8\uc774 \uc804\ud600 \uc5c6\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc778\ud50c\ub808\uc774\uc158 \uc704\ud5d8\uc5d0 \ub178\ucd9c\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.\uc790\ubcf8 \uc774\uc775\uc758 \ub73b\uc740 \uc790\uc0b0\uc744 \uad6c\ub9e4 \uac00\uaca9\ubcf4\ub2e4 \ub192\uc740 \uac00\uaca9\uc5d0 \ud310\ub9e4\ud558\uc5ec \uc5bb\uc740 \uc774\uc775\uc785\ub2c8\ub2e4.\ubc30\ub2f9\uae08\uc740 \ud68c\uc0ac \uc218\uc775\uc5d0\uc11c \uc8fc\uc8fc\uc5d0\uac8c \uc815\uae30\uc801\uc73c\ub85c \uc9c0\uae09\ub418\ub294 \uae08\uc561\uc785\ub2c8\ub2e4.\uc774\uc790\ub294 \ucc44\uad8c\uc774\ub098 \uc800\ucd95 \uacc4\uc88c\uc640 \uac19\uc740 \uace0\uc815 \uc218\uc785 \ud22c\uc790\uc5d0\uc11c \uc5bb\uc740 \uc218\uc775\uc785\ub2c8\ub2e4.\uc218\uc775\uc740 \ud22c\uc790 \uc704\ud5d8\uc744 \uac10\uc218\ud55c \ub370 \ub300\ud55c \ubcf4\uc0c1\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \ud22c\uc790\uc758 \uc7a0\uc7ac\uc801 \uc218\uc775\uc774 \ub192\uc744\uc218\ub85d \uadf8\uc5d0 \ub530\ub978 \uc704\ud5d8\ub3c4 \ub192\uc544\uc9d1\ub2c8\ub2e4. \uc774\uac83\uc774 \ud22c\uc790\uc758 \uae30\ubcf8\uc6d0\uce59\uc774\ub2e4.\uc704\ud5d8\uacfc \uc218\uc775\uc758 \uad00\uacc4\ub97c \ud754\ud788 \uc704\ud5d8-\uc218\uc775 \uc0c1\ucda9\uad00\uacc4\ub77c\uace0 \ud569\ub2c8\ub2e4. \uc774 \uac1c\ub150\uc740 \ub354 \ub192\uc740 \uc218\uc775\uc744 \ub2ec\uc131\ud558\ub824\uba74 \ud22c\uc790\uc790\uac00 \ub354 \ub192\uc740 \uc704\ud5d8\uc744 \uae30\uaebc\uc774 \uac10\uc218\ud574\uc57c \ud568\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4. \ubc18\ub300\ub85c, \ud22c\uc790\uc790\uac00 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \uc2f6\ub2e4\uba74 \ub354 \ub0ae\uc740 \uc218\uc775\uc744 \uc5bb\uc744 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.\uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ucc44\uad8c\uc774\ub098 \uc800\ucd95 \uacc4\uc88c\uc5d0 \ube44\ud574 \ub354 \ub192\uc740 \uc7a0\uc7ac\uc801 \uc218\uc775\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc8fc\uc2dd\uc740 \ubcc0\ub3d9\uc131\uc774 \ub354 \ud06c\uace0 \uc190\uc2e4 \uc704\ud5d8\ub3c4 \ub354 \ub192\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uad6d\ucc44\ub294 \ub354 \uc548\uc804\ud55c \uac83\uc73c\ub85c \uac04\uc8fc\ub418\uc9c0\ub9cc \uc77c\ubc18\uc801\uc73c\ub85c \uc218\uc775\ub960\uc774 \ub0ae\uc2b5\ub2c8\ub2e4.\uc774\ub7ec\ud55c \uc0c1\ucda9 \uad00\uacc4\ub97c \uc774\ud574\ud558\uba74 \ud22c\uc790\uc790\uac00 \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704, \uae30\uac04 \ubc0f \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \ud22c\uc790\ub97c \uc120\ud0dd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ubcf4\uc218\uc801 \ud22c\uc790\uc790\ub294\ub0ae\uc740 \uc704\ud5d8\uc744 \uc120\ud638\ud558\uace0 \ub0ae\uc740 \uc218\uc775\uc744 \uae30\uaebc\uc774 \ubc1b\uc544\ub4e4\uc785\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \ucc44\uad8c, \uc608\uae08 \uc99d\uc11c(CD) \ub610\ub294 \ubc30\ub2f9\uae08 \uc9c0\uae09 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uacf5\uaca9\uc801\uc778 \ud22c\uc790\uc790\ub294 \ub354 \ub192\uc740 \uc218\uc775\uc744 \uc5bb\uae30 \uc704\ud574 \ub354 \ub192\uc740 \uc704\ud5d8\uc744 \uae30\uaebc\uc774 \uac10\uc218\ud569\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \uc131\uc7a5\uc8fc, \ubd80\ub3d9\uc0b0, \uc2ec\uc9c0\uc5b4 \uc554\ud638\ud654\ud3d0\uc5d0 \ud22c\uc790\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.\uade0\ud615 \uc7a1\ud78c \ud22c\uc790\uc790\ub294 \uc704\ud5d8\uacfc \uc218\uc775\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \uac78\uccd0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub2e4\uc591\ud654\ud558\uc5ec \ub450 \uac00\uc9c0\ub97c \ud63c\ud569\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4.\uc704\ud5d8 \uad00\ub9ac \ubc0f \uc218\uc775 \uadf9\ub300\ud654 \ubd80\ubd84\uc5d0\uc11c\ub294\ud22c\uc790\uc758 \ud575\uc2ec \uc804\ub7b5 \uc911 \ud558\ub098\ub294 \uc704\ud5d8 \uad00\ub9ac\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc5ec\ub7ec \uac00\uc9c0 \ubc29\ubc95\uc73c\ub85c \uc704\ud5d8\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc704\ud5d8\uacfc \uc218\uc775\uc758 \uac1c\ub150\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \ud22c\uc790\ub97c \uc6d0\ud558\ub294 \ubaa8\ub4e0 \uc0ac\ub78c\uc758 \uae30\ucd08\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\ubcf8 \uc0ac\ud56d\uc744 \ud30c\uc545\ud568\uc73c\ub85c\uc368 \ud22c\uc790\uc790\ub294 \uc815\ubcf4\uc5d0 \uc785\uac01\ud55c \uacb0\uc815\uc744 \ub0b4\ub9ac\uace0, \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704\uc5d0 \ub9de\uac8c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc870\uc815\ud558\uace0, \uc218\uc775\uc5d0 \ub300\ud55c \ud604\uc2e4\uc801\uc778 \uae30\ub300\uce58\ub97c \uc124\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \uc788\uc5b4\uc11c &#8220;\ubaa8\ub4e0 \uacbd\uc6b0\uc5d0 \uc801\uc6a9\ub418\ub294&#8221; \uc811\uadfc \ubc29\uc2dd\uc740 \uc5c6\ub2e4\ub294 \uc810\uc744 \uae30\uc5b5\ud558\uc2ed\uc2dc\uc624. \uc774\ub294 \uadc0\ud558\uc758 \uc7ac\uc815\uc801 \ubaa9\ud45c\uc640 \uc704\ud5d8\uc5d0 \ub300\ud55c \ud3b8\uc548\ud568\uc5d0 \ub9de\ub294 \uc62c\ubc14\ub978 \uade0\ud615\uc744 \ucc3e\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EB%B3%B5%EB%A6%AC%EC%9D%98_%EC%9D%B4%ED%95%B4\"><\/span>\ubcf5\ub9ac\uc758 \uc774\ud574<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ubcf5\ub9ac\ub294 \uc885\uc885 \uae08\uc735\uc5d0\uc11c \uac00\uc7a5 \uac15\ub825\ud55c \uac1c\ub150 \uc911 \ud558\ub098\ub85c \uc124\uba85\ub429\ub2c8\ub2e4. \ud22c\uc790\uc790\uc758 \uacbd\uc6b0, \ubcf5\ub9ac\ub97c \uc774\ud574\ud558\ub294 \uac83\uc740 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud22c\uc790 \uc131\uc7a5\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0 \uc911\uc694\ud569\ub2c8\ub2e4. \ucd5c\ucd08 \uc6d0\uae08\uc5d0\ub9cc \uacc4\uc0b0\ub418\ub294 \ub2e8\uc21c \uc774\uc790\uc640 \ub2ec\ub9ac \ubcf5\ub9ac \uc774\uc790\ub294 \ud22c\uc790\uc790\uac00 &#8216;\uc774\uc790\uc5d0 \ub300\ud55c \uc774\uc790&#8217;\ub97c \uc5bb\uc744 \uc218 \uc788\uc5b4 \uae30\ud558\uae09\uc218\uc801\uc778 \uc131\uc7a5\uc744 \uc774\ub8f0 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ubcf5\ub9ac\ub780 \uc6d0\ub798 \ud22c\uc790\ud55c \uae08\uc561(\uc6d0\uae08)\uacfc \uc774\uc804 \uae30\uac04\uc5d0 \ub204\uc801\ub41c \uc774\uc790 \ubaa8\ub450\uc5d0 \ub300\ud574 \uc774\uc790\ub97c \uc5bb\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774\ub294 \uc6d0\uae08\uc5d0 \ub300\ud574\uc11c\ub9cc \uc774\uc790\uac00 \uacc4\uc0b0\ub418\ub294 \ub2e8\uc21c \uc774\uc790\uc640\ub294 \ub2e4\ub985\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \ud574\uc5d0\ub294 \uc6d0\ub798 $1,000\ubfd0\ub9cc \uc544\ub2c8\ub77c \uccab \ud574\uc5d0 \ubc8c\uc5b4\ub4e4\uc778 $50\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc774\uc790\uac00 \uacc4\uc0b0\ub429\ub2c8\ub2e4. \uc774\ub294 \ub450 \ubc88\uc9f8 \ud574\uc758 \uc131\uc7a5\uc774 $1,050\ub85c \uacc4\uc0b0\ub428\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\ubcf5\ub9ac\uc5d0\uc11c\uc758 \uc2dc\uac04\uc758 \ud798\uc774 \uc788\uc2b5\ub2c8\ub2e4.\ubcf5\ub9ac \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud558\ub294 \uc5f4\uc1e0\ub294 \ubc14\ub85c \uc2dc\uac04\uc785\ub2c8\ub2e4. \ubcf5\ub9ac \uacc4\uc815\uc5d0 \ud22c\uc790\ud55c \uae08\uc561\uc774 \uc624\ub798 \ub0a8\uc544 \uc788\uc744\uc218\ub85d \uc131\uc7a5\uc740 \ub354\uc6b1 \uadf9\uc801\uc73c\ub85c \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \uace0\uc815\ub41c \uc5f0\uac04 \uc218\uc775\ub960\uc744 \uace0\ub824\ud560 \ub54c \ud22c\uc790 \uac00\uce58\uac00 \ub450 \ubc30\ub85c \uc99d\uac00\ud558\ub294 \ub370 \uac78\ub9ac\ub294 \uc2dc\uac04\uc744 \ube60\ub974\uac8c \ucd94\uc815\ud558\ub294 \ubc29\ubc95\uc778 &#8220;72\uc758 \ubc95\uce59&#8221;\uc744 \uace0\ub824\ud558\uc2ed\uc2dc\uc624. 72\ub97c \uc5f0\uc774\uc728\ub85c \ub098\ub204\uba74 \ub429\ub2c8\ub2e4.2\ubc30\uac00 \ub418\ub294 \uc5f0\uc218=72\uc5f0\uac04 \uc774\uc790\uc728\\text{2\ubc30\uac00 \ub418\ub294 \uc5f0\uc218} = \\frac{72}{\\text{\uc5f0\uac04 \uc774\uc790\uc728}}2\ubc30\uac00 \ub418\ub294 \uc5f0\uc218=\uc5f0\uac04 \uc774\uc790\uc72872\u200b\uc608\ub97c \ub4e4\uc5b4, \uc774\uc790\uc728\uc774 6%\uc778 \uacbd\uc6b0 \ud22c\uc790\uae08\uc774 \ub450 \ubc30\ub85c \ub298\uc5b4\ub098\ub294 \ub370 \uc57d 12\ub144\uc774 \uac78\ub9bd\ub2c8\ub2e4(72 \u00bc 6 = 12).\ubcf5\ub9ac \ube48\ub3c4\uc758 \uc601\ud5a5\uc73c\ub85c \ubcf5\ub9ac\uc758 \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uce21\uba74\uc740 \ubcf5\ub9ac \ube48\ub3c4\uc785\ub2c8\ub2e4. \uc774\uc790\uac00 \ubcf5\ub9ac\ub85c \ubc1c\uc0dd\ud558\ub294 \ube48\ub3c4\uac00 \ub192\uc744\uc218\ub85d \uc218\uc775\uc740 \ub354 \ucee4\uc9d1\ub2c8\ub2e4. \ubcf5\ub9ac\ub294 \ub9e4\ub144, \ubc18\uae30\ubcc4, \ubd84\uae30\ubcc4, \uc6d4\ubcc4, \ub9e4\uc77c \ub610\ub294 \uc9c0\uc18d\uc801\uc73c\ub85c \ub2e4\uc591\ud55c \uc77c\uc815\uc73c\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704 \uacf5\uc2dd\uc740 n(\uc5f0\uac04 \ubcf5\ub9ac \uae30\uac04 \uc218) \uac12\uc774 \uc99d\uac00\ud558\uba74 \ubc1c\uc0dd\ud558\ub294 \ubcf5\ub9ac \uc774\uc790\uac00 \uc99d\uac00\ud568\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.\u00a0\ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uadf8 \ucc28\uc774\uac00 \uc791\uc544 \ubcf4\uc77c \uc218 \uc788\uc9c0\ub9cc \uba87 \ub144 \ub610\ub294 \uc218\uc2ed \ub144\uc774 \uc9c0\ub098\uba74 \uadf8 \uc601\ud5a5\uc740 \uc0c1\ub2f9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ubcf5\ub9ac \uc774\uc790\ub294 \ub2e4\uc74c\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \ud22c\uc790 \uc720\ud615\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4.\uc800\ucd95 \uacc4\uc88c\ub294 \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc774\uc790\uc728\uc774 \ub0ae\uc9c0\ub9cc \uc800\ucd95 \uacc4\uc88c\uc5d0 \ubcf5\ub9ac \uc774\uc790\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.\ucc44\uad8c\uc73c\ub85c\ub294 \ucc44\uad8c \ud22c\uc790\ub85c \uc5bb\uc740 \uc774\uc790\ub294 \ubcf5\ub9ac \uc218\uc775\uc744 \uc704\ud574 \uc7ac\ud22c\uc790\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc8fc\uc2dd\uc740 \uc8fc\uc2dd\uc5d0\uc11c \uc5bb\uc740 \ubc30\ub2f9\uae08\uc740 \ub354 \ub9ce\uc740 \uc8fc\uc2dd\uc744 \uad6c\ub9e4\ud558\uae30 \uc704\ud574 \uc7ac\ud22c\uc790\ub420 \uc218 \uc788\uc73c\uba70 \uc774\ub85c \uc778\ud574 \ubcf5\ub9ac \uc218\uc775\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.\ubba4\ucd94\uc5bc \ud380\ub4dc \ubc0f ETF\ub294 \uc774\ub7ec\ud55c \ud22c\uc790 \uc218\ub2e8\uc740 \ubc30\ub2f9\uae08\uc744 \uc7ac\ud22c\uc790\ud560 \ub54c \ubcf5\ud569\uc801\uc778 \uc218\uc775\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc774\ub7ec\ud55c \uac01 \ud22c\uc790 \uc720\ud615\uc740 \uc218\uc775 \uc7ac\ud22c\uc790 \ubc0f \uc131\uc7a5\ub960\uc5d0 \ub530\ub77c \ub2e4\ub974\uac8c \uad6c\uc131\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub2e4\uc591\ud55c \uc8fc\uc2dd \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c \ubc30\ub2f9\uae08\uc744 \uc7ac\ud22c\uc790\ud558\uba74 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc0c1\ub2f9\ud55c \ubcf5\ub9ac \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ubcf5\ub9ac\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub824\uba74 \ud22c\uc790\uc790\ub294 \ub2e4\uc74c \uc804\ub7b5\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.\uc870\uae30 \uc2dc\uc791\ud574\uc57c\ud569\ub2c8\ub2e4. \uc77c\ucc0d \ud22c\uc790\ub97c \uc2dc\uc791\ud560\uc218\ub85d \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ubc1c\ud718\ud558\ub294 \ub370 \ub354 \ub9ce\uc740 \uc2dc\uac04\uc744 \ud560\uc560\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc801\uc740 \uc591\uc774\ub77c\ub3c4 \uc218\uc2ed \ub144\uc5d0 \uac78\uccd0 \ud06c\uac8c \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc218\uc775 \uc7ac\ud22c\uc790\ub97c \ud574\uc57c\ud569\ub2c8\ub2e4. \ubc30\ub2f9\uae08\uc774\ub098 \uc774\uc790 \uc9c0\uae09\uc744 \uc778\ucd9c\ud558\ub294 \ub300\uc2e0 \uc7ac\ud22c\uc790\ud558\uc5ec \uc6d0\uae08\uc744 \ub298\ub9ac\uace0 \ubcf5\ub9ac\ub97c \uac15\ud654\ud569\ub2c8\ub2e4.\uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc138\uc694: \ub2ec\ub7ec \ube44\uc6a9 \ud3c9\uade0\ud654 \ub4f1\uc744 \ud1b5\ud574 \uc9c0\uc18d\uc801\uc73c\ub85c \ud22c\uc790\uc5d0 \uae30\uc5ec\ud558\uba74 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ud1b5\ud574 \ub354 \ub9ce\uc740 \uc774\uc810\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc218\uc218\ub8cc \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4. \ub192\uc740 \uc218\uc218\ub8cc\ub294 \ubcf5\ub9ac\ub85c \uc778\ud55c \uc774\uc775\uc744 \uc57d\ud654\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub371\uc2a4 \ud380\ub4dc\uc640 \uac19\uc740 \uc800\ube44\uc6a9 \ud22c\uc790 \uc635\uc158\uc744 \uc120\ud0dd\ud558\uba74 \ubcf5\ub9ac \ud61c\ud0dd\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc138\uae08 \ud61c\ud0dd\uc774 \uc788\ub294 \uacc4\uc88c\ub97c \uace0\ub824\ud558\uc138\uc694: IRA, 401(k), Roth IRA\uc640 \uac19\uc740 \uacc4\uc88c\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ubcf5\ub9ac\ub97c \uadf9\ub300\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub294 \uc138\uae08 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.\ubcf5\ub9ac\ub294 \ubaa8\ub4e0 \ud22c\uc790\uc790\uac00 \uc774\ud574\ud558\uace0 \ud65c\uc6a9\ud574\uc57c \ud558\ub294 \uae30\ubcf8 \uac1c\ub150\uc785\ub2c8\ub2e4. \uc218\uc775\uc744 \uc7ac\ud22c\uc790\ud558\uace0 \uc77c\ucc0d \uc2dc\uc791\ud558\uc5ec \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud22c\uc790\uac00 \ub298\uc5b4\ub098\ub3c4\ub85d \ud5c8\uc6a9\ud568\uc73c\ub85c\uc368 \ud22c\uc790\uc790\ub294 \ubcf5\ub9ac\uc758 \ud798\uc744 \ud65c\uc6a9\ud558\uc5ec \uc0c1\ub2f9\ud55c \ubd80\ub97c \ucd95\uc801\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ubcf5\ub9ac \uae30\uac04\uc774 \uae38\uc5b4\uc9c8\uc218\ub85d \uc131\uc7a5\uc740 \ub354\uc6b1 \uac15\ub825\ud574\uc9c0\uba70 \ubcf5\ub9ac \uc774\uc790\uac00 \uc7ac\uc815\uc801 \uc131\uacf5\uc758 \uc8fc\uc694 \ub3d9\uc778\uc774 \ub429\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>\uc7ac\ud14c\ud06c\uc758 \uc138\uacc4\ub294 \ub9e4\uc6b0 \ubcf5\uc7a1\ud558\uba70, \ub2e4\uc591\ud55c \uc6a9\uc5b4\uc640 \uac1c\ub150\ub4e4\ub85c \uc774\ub8e8\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4. \ucd08\ubcf4 \ud22c\uc790\uc790\uac00 \uc774 \uc6a9\uc5b4\ub4e4\uc744 \uc81c\ub300\ub85c \uc774\ud574\ud558\uace0 \uc790\uc2e0\uc758 \ud22c\uc790 \uacc4\ud68d\uc5d0 \uc801\uc6a9\ud558\ub294 \uac83\uc740 \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c\uc758 \uccab\uac78\uc74c\uc774 \ub429\ub2c8\ub2e4. \uc790\uc0b0 \ubc30\ubd84, \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960, \uadf8\ub9ac\uace0 \ubcf5\ub9ac\uc640 \uac19\uc740 \ud544\uc218 \uc6a9\uc5b4\ub4e4\uc740 \uae30\ubcf8\uc801\uc778 \uac1c\ub150\uc774\uc9c0\ub9cc, \uc774\ub97c \uc62c\ubc14\ub974\uac8c \uc774\ud574\ud558\uace0 \ud65c\uc6a9\ud574\uc57c \uc62c\ubc14\ub978 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4 \uac1c\ub150\uc740 \ud22c\uc790 \uc5ec\uc815\uc758 \uae30\ucd08\ub97c \uc774\ub8e8\uba70, \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uc801 \ub3c4\uad6c\ub85c \uc0ac\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc7ac\ud14c\ud06c\ub294 \ub2e8\uae30\uc801\uc778 \uc131\uacfc\ubcf4\ub2e4\ub294 \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \uac00\uc9c0\uace0 \uafb8\uc900\ud788 \uc2e4\ucc9c\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc989, \uc77c\uc2dc\uc801\uc778 \uc774\uc775\uc744 \ucd94\uad6c\ud558\uae30\ubcf4\ub2e4\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \uac83\uc774 \ud604\uba85\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c \uc18c\uac1c\ud55c \uc6a9\uc5b4\ub4e4\uc744 \ubc14\ud0d5\uc73c\ub85c \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \uc62c\ubc14\ub978 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6cc\ubcf4\uc138\uc694. \ucd08\uae30\uc5d0\ub294 \ub2e4\uc18c \uc5b4\ub835\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \uae30\ucd08 \uc6a9\uc5b4\ub97c \uc774\ud574\ud558\uace0 \ub098\uba74 \uc7ac\ud14c\ud06c\uac00 \ub354 \uc774\uc0c1 \ub9c9\ub9c9\ud558\uc9c0 \uc54a\uc744 \uac83\uc785\ub2c8\ub2e4. \uc774\uc81c \uae30\ucd08\ub97c \ud0c4\ud0c4\ud788 \ub2e4\uc9c0\uace0, \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc5ec\uc815\uc744 \uc2dc\uc791\ud574\ubcf4\uc138\uc694! \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uacbd\ud5d8\uc774 \uc313\uc774\uba74, \uc5ec\ub7ec\ubd84\ub3c4 \uc7ac\ud14c\ud06c\uc758 \uc804\ubb38\uac00\ub85c \uac70\ub4ed\ub0a0 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.\ud22c\uc790\ub294 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubd88\ub9ac\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc758 \uc0b6\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc124\uacc4\ud558\uace0 \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc62c\ubc14\ub978 \uc9c0\uc2dd\uc744 \ubc14\ud0d5\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0\ub2e4\uba74, \uc7ac\ud14c\ud06c\ub294 \uc5ec\ub7ec\ubd84\uc758 \uc7ac\uc815\uc801\uc778 \uc790\uc720\ub97c \uc2e4\ud604\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c\ub294 \uc2dc\uac04\uc744 \ub450\uace0 \uc11c\uc11c\ud788 \uc774\ub904\uc9c0\ub294 \uac83\uc774\uba70, \uadf8 \uccab\uac78\uc74c\uc740 \ubc14\ub85c \uc774\ucc98\ub7fc \uae30\ucd08\uc801\uc778 \uc6a9\uc5b4\uc640 \uac1c\ub150\uc744 \uc774\ud574\ud558\ub294 \ub370\uc11c \uc2dc\uc791\ub429\ub2c8\ub2e4. \uc55e\uc73c\ub85c\ub3c4 \uafb8\uc900\ud788 \ud559\uc2b5\ud558\uace0, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ud22c\uc790 \ubc29\ubc95\uc744 \ucc3e\uc544\uac00\uba74\uc11c \uc7ac\ud14c\ud06c\uc758 \uc5ec\uc815\uc744 \uc990\uaca8\ubcf4\uc138\uc694!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc7ac\ud14c\ud06c\ub97c \ucc98\uc74c \uc2dc\uc791\ud558\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\uc5d0\uac8c \uac00\uc7a5 \uc911\uc694\ud55c \uccab\uac78\uc74c\uc740 \uad00\ub828 \uc6a9\uc5b4\ub4e4\uc744 \uc774\ud574\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ub2e4\uc591\ud55c \uc6a9\uc5b4\uc640 \uac1c\ub150\ub4e4\ub85c \uc774\ub8e8\uc5b4\uc838 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \uc6a9\uc5b4\ub4e4\uc744 \uc81c\ub300\ub85c \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\uac00 \ubc18\ub4dc\uc2dc \uc54c\uc544\uc57c \ud560 \ud544\uc218 \uc7ac\ud14c\ud06c \uc6a9\uc5b4\ub4e4\uc744 \uc27d\uac8c \uc124\uba85\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. &nbsp; &nbsp; \uc790\uc0b0 \ubc30\ubd84 (Asset Allocation) \uc790\uc0b0 \ubc30\ubd84\uc740 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4\uc5d0\uc11c \uc790\uae08\uc744 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0\uc2dc\ud0a4\ub294 &#8230; <a title=\"\ucd08\ubcf4 \ud22c\uc790\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc7ac\ud14c\ud06c \uc6a9\uc5b4 \ud574\uc124\" class=\"read-more\" href=\"https:\/\/excatch.com\/essential-financial-terms-explained-for-beginner-investors\/\" aria-label=\"Read more about \ucd08\ubcf4 \ud22c\uc790\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc7ac\ud14c\ud06c \uc6a9\uc5b4 \ud574\uc124\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[81,80,77,78,79,82],"_links":{"self":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/380"}],"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=380"}],"version-history":[{"count":6,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/380\/revisions"}],"predecessor-version":[{"id":428,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/380\/revisions\/428"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media\/416"}],"wp:attachment":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media?parent=380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/categories?post=380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/tags?post=380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}