{"id":391,"date":"2024-09-08T11:19:19","date_gmt":"2024-09-08T02:19:19","guid":{"rendered":"https:\/\/excatch.com\/?p=391"},"modified":"2024-09-18T13:16:21","modified_gmt":"2024-09-18T04:16:21","slug":"the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s","status":"publish","type":"post","link":"https:\/\/excatch.com\/the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s\/","title":{"rendered":"40\ub300\uc5d0 \uaf2d \ud544\uc694\ud55c \ub178\ud6c4 \uc900\ube44 \uc7ac\ud14c\ud06c \ubc29\ubc95"},"content":{"rendered":"<p>40\ub300\ub294 \ub178\ud6c4 \uc900\ube44\ub97c \ubcf8\uaca9\uc801\uc73c\ub85c \uc2dc\uc791\ud574\uc57c \ud558\ub294 \uc911\uc694\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc774\ub54c \ub178\ud6c4\uc900\ube44\ub97c \ubbf8\ub9ac \ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \ud558\uba74 \ub178\ud6c4\uc5d0 \ud798\ub4e0 \uc0dd\ud65c\uc744 \ud558\uac8c \ub420 \uac83 \uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc774 \uc2dc\uc810\uc5d0\uc11c\uc758 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc740\ud1f4 \ud6c4\uc758 \uacbd\uc81c\uc801 \uc548\uc815\uc744 \ubcf4\uc7a5\ud558\ub294 \ub370 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 40\ub300\uc5d0 \uaf2d \ud544\uc694\ud55c \ub178\ud6c4 \uc900\ube44 \uc7ac\ud14c\ud06c \ubc29\ubc95\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/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\/the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s\/#%EC%9D%80%ED%87%B4_%ED%9B%84_%EC%83%9D%ED%99%9C%EB%B9%84_%EA%B3%84%ED%9A%8D_%EC%84%B8%EC%9A%B0%EA%B8%B0\" title=\"\uc740\ud1f4 \ud6c4 \uc0dd\ud65c\ube44 \uacc4\ud68d \uc138\uc6b0\uae30\">\uc740\ud1f4 \ud6c4 \uc0dd\ud65c\ube44 \uacc4\ud68d \uc138\uc6b0\uae30<\/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\/the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s\/#%EB%8B%A4%EC%96%91%ED%95%9C_%EC%97%B0%EA%B8%88_%EC%83%81%ED%92%88_%ED%99%9C%EC%9A%A9%ED%95%98%EA%B8%B0\" title=\"\ub2e4\uc591\ud55c \uc5f0\uae08 \uc0c1\ud488 \ud65c\uc6a9\ud558\uae30\">\ub2e4\uc591\ud55c \uc5f0\uae08 \uc0c1\ud488 \ud65c\uc6a9\ud558\uae30<\/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\/the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s\/#%EC%95%88%EC%A0%84%ED%95%9C_%ED%88%AC%EC%9E%90%EB%A1%9C_%EC%9E%90%EC%82%B0_%EC%A6%9D%EC%8B%9D%ED%95%98%EA%B8%B0\" title=\"\uc548\uc804\ud55c \ud22c\uc790\ub85c \uc790\uc0b0 \uc99d\uc2dd\ud558\uae30\">\uc548\uc804\ud55c \ud22c\uc790\ub85c \uc790\uc0b0 \uc99d\uc2dd\ud558\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\/the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s\/#%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%9D%80%ED%87%B4_%ED%9B%84_%EC%83%9D%ED%99%9C%EB%B9%84_%EA%B3%84%ED%9A%8D_%EC%84%B8%EC%9A%B0%EA%B8%B0\"><\/span>\uc740\ud1f4 \ud6c4 \uc0dd\ud65c\ube44 \uacc4\ud68d \uc138\uc6b0\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>40\ub300\uac00 \uac00\uae4c\uc6cc\uc9c8\uc218\ub85d \uc740\ud1f4 \uc900\ube44\uac00 \ub354\uc6b1 \uc911\uc694\ud574\uc9d1\ub2c8\ub2e4. \uc77c\uc744 \uadf8\ub9cc\ub454 \ud6c4 \uc5b4\ub5bb\uac8c \uc0dd\ud65c\uc744 \uc720\uc9c0\ud560 \uac83\uc778\uc9c0 \uc9c4\uc9c0\ud558\uac8c \uace0\ubbfc\ud574\uc57c \ud560 \ub54c\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc740\ud1f4 \ud6c4 \uc0dd\ud65c\ube44\ub97c \uc608\uce21\ud558\uace0 \uad00\ub9ac\ud558\uc5ec \ud3b8\uc548\ud558\uace0 \uc7ac\uc815\uc801\uc73c\ub85c \uc548\uc804\ud55c \uc0b6\uc744 \ub204\ub9b4 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud558\ub294 \uc885\ud569\uc801\uc778 \uc804\ub7b5\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.\uc6d4 \uc0dd\ud65c\ube44 \uacc4\uc0b0\uc744 \ud574\uc57c\ud569\ub2c8\ub2e4.\uc774 \uacfc\uc815\uc758 \uccab \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uc740\ud1f4 \ud6c4 \uc6d4 \uc0dd\ud65c\ube44\ub97c \ucd94\uc815\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud604\uc7ac \uc9c0\ucd9c \uc2b5\uad00\uc744 \ubc18\uc601\ud558\ub294 \uc0c1\uc138\ud55c \uc608\uc0b0\uc744 \ub9cc\ub4dc\ub294 \uac83\ubd80\ud130 \uc2dc\uc791\ud558\uc138\uc694. \uc5ec\uae30\uc5d0\ub294 \uc8fc\ud0dd \ube44\uc6a9, \uacf5\uacfc\uae08, \uc2dd\ub8cc\ud488, \uad50\ud1b5\ube44 \ubc0f \uae30\ud0c0 \ubc18\ubcf5 \ube44\uc6a9\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud604\uc7ac \uc608\uc0b0\uc5d0\ub9cc \uc758\uc874\ud558\uc9c0 \ub9c8\uc2ed\uc2dc\uc624. \uadc0\ud558\uc758 \uc694\uad6c \uc0ac\ud56d\uacfc \ub77c\uc774\ud504 \uc2a4\ud0c0\uc77c\uc774 \uc5b4\ub5bb\uac8c \ubcc0\ud560 \uc218 \uc788\ub294\uc9c0 \uace0\ub824\ud558\uc2ed\uc2dc\uc624. \uc608\ub97c \ub4e4\uc5b4, \uac74\uac15 \uad00\ub9ac\uc5d0 \ub354 \ub9ce\uc740 \ub3c8\uc744 \uc9c0\ucd9c\ud558\uac70\ub098 \uc740\ud1f4 \ud6c4 \ub2e4\uc591\ud55c \uc5ec\uac00 \ud65c\ub3d9\uc744 \uc990\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc778\ud50c\ub808\uc774\uc158\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4.\ub2e4\uc74c\uc73c\ub85c, \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub3c8\uc758 \uad6c\ub9e4\ub825\uc744 \uc57d\ud654\uc2dc\ud0a4\ub294 \uc778\ud50c\ub808\uc774\uc158\uc744 \uace0\ub824\ud558\uc2ed\uc2dc\uc624. \uc5ed\uc0ac\uc801\uc73c\ub85c \uc778\ud50c\ub808\uc774\uc158\uc740 \ud3c9\uade0 \uc5f0\uac04 2~3% \uc815\ub3c4\uc774\uc9c0\ub9cc \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc124\uba85\ud558\ub824\uba74 \uc608\uc0c1\ub418\ub294 \ubb3c\uac00 \uc778\uc0c1\uc744 \ubc18\uc601\ud558\uc5ec \uc608\uc0c1 \uc0dd\ud65c\ube44\ub97c \uc870\uc815\ud558\uc138\uc694. \uc774\ub294 \uc740\ud1f4 \uc800\ucd95\uc774 \uc0dd\ud65c \uc218\uc900\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc778\ud50c\ub808\uc774\uc158\uc744 \ub2a5\uac00\ud558\ub294 \uc18d\ub3c4\ub85c \uc99d\uac00\ud574\uc57c \ud568\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\uc758\ub8cc\ube44 \uacc4\ud68d\ub97c \uc138\uc6cc\uc57c\ud569\ub2c8\ub2e4.\uac74\uac15 \uad00\ub9ac\ub294 \uc740\ud1f4 \uacc4\ud68d\uc5d0\uc11c \uc911\uc694\ud55c \uace0\ub824 \uc0ac\ud56d\uc785\ub2c8\ub2e4. \ub098\uc774\uac00 \ub4e4\uc218\ub85d \uc758\ub8cc\ube44\uac00 \ub298\uc5b4\ub098\ub294 \uacbd\uc6b0\uac00 \ub9ce\uae30 \ub54c\ubb38\uc5d0 \uc774\ub97c \uc608\uc0b0\uc5d0 \ud3ec\ud568\uc2dc\ud0a4\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uac74\uac15 \ubcf4\ud5d8 \ube44\uc6a9, \ubcf8\uc778 \ubd80\ub2f4 \ube44\uc6a9, \uc7a0\uc7ac\uc801\uc778 \uc7a5\uae30 \uc694\uc591 \uc694\uad6c \uc0ac\ud56d\uc744 \uace0\ub824\ud558\uc2ed\uc2dc\uc624. \uba54\ub514\ucf00\uc5b4 \ubc0f \ubcf4\ucda9 \ud50c\ub79c\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uac74\uac15 \ubcf4\ud5d8 \uc635\uc158\uc744 \uc870\uc0ac\ud558\uc5ec \uad00\ub828 \ubcf4\uc7a5 \ubc94\uc704\uc640 \ube44\uc6a9\uc744 \uc774\ud574\ud558\uc138\uc694.\ubaa9\ud45c \ud1f4\uc9c1\uae08 \uc124\uc815 \ud574\uc57c\ud569\ub2c8\ub2e4.\uc608\uc0c1 \ube44\uc6a9\uc744 \uba85\ud655\ud558\uac8c \ud30c\uc545\ud55c \ud6c4\uc5d0\ub294 \uc5bc\ub9c8\ub97c \uc808\uc57d\ud574\uc57c \ud558\ub294\uc9c0 \uacb0\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ubaa9\ud45c \ud1f4\uc9c1 \uae30\uae08 \uc124\uc815\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uae08\uc735 \uc790\ubb38\uac00\ub4e4\uc740 \uc885\uc885 4% \uaddc\uce59\uc744 \ucd9c\ubc1c\uc810\uc73c\ub85c \uc0ac\uc6a9\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub294 \ub3c8\uc774 \ub5a8\uc5b4\uc9c0\uc9c0 \uc54a\uace0 \ub9e4\ub144 4%\ub97c \uc778\ucd9c\ud560 \uc218 \uc788\uc744 \ub9cc\ud07c \ucda9\ubd84\ud55c \uc800\ucd95\uc744 \ucd95\uc801\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud574\uc57c \ud568\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc740\ud1f4 \ud6c4 \uc5f0\uac04 $40,000\uac00 \ud544\uc694\ud558\ub2e4\uace0 \ucd94\uc815\ud55c\ub2e4\uba74 \uc57d $100\ub9cc($40,000 \u00bc 0.04)\uc758 \uc740\ud1f4 \uc790\uae08\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\uc5f0\uae08 \ub610\ub294 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\ucd95\ud569\ub2c8\ub2e4.\uc740\ud1f4 \uc800\ucd95 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub824\uba74 \ud0c4\ud0c4\ud55c \uc5f0\uae08 \uacc4\ud68d\uc774\ub098 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704 \ubc0f \uae30\uac04\uc5d0 \ub9de\ucdb0 401(k), IRA \ubc0f \uae30\ud0c0 \ud22c\uc790 \uc218\ub2e8\uc774 \ud63c\ud569\ub418\uc5b4 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uac01\ud654\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc790\uc0b0 \ud074\ub798\uc2a4(\uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0)\uc5d0 \ud22c\uc790\ub97c \ubd84\uc0b0\ud558\uba74 \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\uace0 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc9c0\uae08 \uc774\ub7ec\ud55c \uc870\uce58\ub97c \ucde8\ud558\uba74 \ud3b8\uc548\ud55c \uc740\ud1f4\ub97c \uc900\ube44\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc7ac\uc815\uc801 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \uada4\ub3c4\uc5d0 \uc624\ub974\uace0 \uc788\ub2e4\ub294 \ud655\uc2e0\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud544\uc694\uc5d0 \ub530\ub77c \uacc4\ud68d\uc744 \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\uace0 \uc870\uc815\ud558\uba74 \uc62c\ubc14\ub978 \ubc29\ud5a5\uc744 \uc720\uc9c0\ud558\uace0 \uc7ac\uc815 \uc0c1\ud669\uc774\ub098 \ubaa9\ud45c\uc758 \ubcc0\ud654\uc5d0 \u200b\u200b\uc801\uc751\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EB%8B%A4%EC%96%91%ED%95%9C_%EC%97%B0%EA%B8%88_%EC%83%81%ED%92%88_%ED%99%9C%EC%9A%A9%ED%95%98%EA%B8%B0\"><\/span>\ub2e4\uc591\ud55c \uc5f0\uae08 \uc0c1\ud488 \ud65c\uc6a9\ud558\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc8fc\uc2dd\uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \ubcc0\ub3d9\uc131\uc774 \ud06c\uba70, \uac00\uaca9\uc740 \uacbd\uc81c \ub274\uc2a4, \uc9c0\uc815\ud559\uc801 \uc774\ubca4\ud2b8, \ubd84\uae30\ubcc4 \uc218\uc775, \ud22c\uc790 \uc2ec\ub9ac \ub4f1 \ub2e4\uc591\ud55c \uc694\uc778\uc5d0 \ub530\ub77c \ub9e4\uc77c \ubcc0\ub3d9\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc18d\uc801\uc778 \ubcc0\ub3d9\uc740 \uc555\ub3c4\uc801\uc77c \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uac00\uce58 \ud558\ub77d\uc744 \ubcfc \ub54c \ubd88\uc548\ud558\uac70\ub098 \ub099\ub2f4\ud560 \uc218 \uc788\ub294 \uc2e0\uaddc \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ub2e8\uae30\uc801\uc778 \uc6c0\uc9c1\uc784\uc740 \uc885\uc885 \uc18c\uc74c\uc5d0 \ubd88\uacfc\ud558\ub2e4\ub294 \uc810\uc744 \uae30\uc5b5\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubaa8\ub4e0 \uc0c1\uc2b9\uacfc \ud558\ub77d\uc5d0 \ubc18\uc751\ud558\uae30\ubcf4\ub2e4\ub294 \ud22c\uc790\ud55c \uae30\uc5c5\uc758 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc5d0 \uc9d1\uc911\ud558\ub294 \uac83\uc774 \ud6e8\uc52c \ub354 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.\uc6b0\uc218\ud55c \uae30\uc5c5\uc740 \uac74\uc804\ud55c \ube44\uc988\ub2c8\uc2a4 \uc804\ub7b5, \uac15\ub825\ud55c \ub9ac\ub354\uc2ed, \uc81c\ud488\uc774\ub098 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc2dc\uc7a5 \uc218\uc694\uc5d0 \ud798\uc785\uc5b4 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uafb8\uc900\ud788 \uc131\uc7a5\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc18d\uc801\uc778 \ub9e4\ucd9c \uc131\uc7a5, \uacbd\uc7c1 \uc6b0\uc704, \ud0c4\ud0c4\ud55c \ub300\ucc28\ub300\uc870\ud45c \ub4f1 \ud0c4\ud0c4\ud55c \uae30\ubcf8 \uc6d0\uce59\uc744 \uac16\ucd98 \uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\uba74 \uc7a5\uae30\uc801\uc778 \uc131\uacf5\uc744 \ud1b5\ud574 \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \uc704\uce58\uc5d0 \ub193\uc774\uac8c \ub429\ub2c8\ub2e4. \uc774\ub4e4 \uae30\uc5c5\uc740 \uc77c\uc2dc\uc801\uc778 \uc5b4\ub824\uc6c0\uc774\ub098 \uc2dc\uc7a5 \uce68\uccb4\ub97c \uacbd\ud5d8\ud560 \ub54c\uc5d0\ub3c4 \uc77c\ubc18\uc801\uc73c\ub85c \ub354 \ud0c4\ub825\uc801\uc774\uace0 \ubc18\ub4f1\ud560 \uc218 \uc788\uc73c\uba70 \uc774\uc804\ubcf4\ub2e4 \ub354 \uac15\ud574\uc9d1\ub2c8\ub2e4.\uc7a5\uae30\uc801\uc778 \uad00\uc810\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc740 \ud22c\uc790\uc790\uac00 \uc21c\uac04\uc758 \uac10\uc815\uc5d0 \ud754\ub4e4\ub9ac\ub294 \uac83\uc744 \ud53c\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc740 \ub450\ub824\uc6c0\uacfc \ud0d0\uc695\uc744 \ucd09\ubc1c\ud558\uc5ec \ud328\ub2c9 \ub9e4\ub3c4\ub098 \uacfc\ub9e4\uc218\uc640 \uac19\uc740 \uc131\uae09\ud55c \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ud55c \uac10\uc815\uc801 \ubc18\uc751\uc740 \ub192\uc740 \uac00\uaca9\uc5d0 \uad6c\ub9e4\ud558\uace0 \ub0ae\uc740 \uac00\uaca9\uc5d0 \ud310\ub9e4\ud558\ub294 \uacb0\uacfc\ub97c \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc131\uacf5\uc801\uc778 \ud22c\uc790\uac00 \uc218\ubc18\ud558\ub294 \uac83\uacfc \uc815\ubc18\ub300\uc785\ub2c8\ub2e4. \ub300\uc2e0, \uc778\ub0b4\uc2ec \uc788\uace0 \uaddc\uc728 \uc788\ub294 \uc811\uadfc \ubc29\uc2dd\uc744 \ucc44\ud0dd\ud558\uba74 \ud22c\uc790\uc790\ub294 \ud53c\ud560 \uc218 \uc5c6\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9\uc744 \uadf9\ubcf5\ud558\uace0 \uc7ac\uc815\uc801 \ubaa9\ud45c\uc5d0 \uacc4\uc18d \uc9d1\uc911\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc2e0\uaddc \ud22c\uc790\uc790\ub4e4\uc774 \uc8fc\uac00\uac00 \ud558\ub77d\ud558\ub294 \uac83\uc744 \ubcf4\uba74 \ubd88\uc548\uac10\uc744 \ub290\ub07c\ub294 \uac83\uc740 \ud754\ud55c \uc77c\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc5ed\uc0ac\ub97c \ud1b5\ud574 \uc8fc\uc2dd\uc2dc\uc7a5\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc0c1\uc2b9 \ucd94\uc138\uac00 \uac15\ud55c \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. S&amp;P 500\uc774\ub098 \ub2e4\uc6b0\uc874\uc2a4 \uc0b0\uc5c5\ud3c9\uade0\uc9c0\uc218\uc640 \uac19\uc740 \uc8fc\uc694 \uc8fc\uac00\uc9c0\uc218\ub97c \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uc218\ub9ce\uc740 \uc870\uc815, \ud3ed\ub77d, \uc57d\uc138\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc774\ub7ec\ud55c \uc9c0\uc218\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc9c0\uc18d\uc801\uc73c\ub85c \uc0c8\ub85c\uc6b4 \ucd5c\uace0\uc810\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\uc2b9 \uada4\uc801\uc740 \uacbd\uc81c \uc131\uc7a5, \ud601\uc2e0, \uc801\uc751\ud558\uace0 \uc9c4\ud654\ud558\ub294 \uae30\uc5c5\uc774 \ucc3d\ucd9c\ud558\ub294 \uac00\uce58 \uc99d\uac00\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.\uc7a5\uae30 \ud22c\uc790\ub97c \uc704\ud55c \ud6a8\uacfc\uc801\uc778 \uc804\ub7b5 \uc911 \ud558\ub098\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \uad00\uacc4\uc5c6\uc774 \uace0\uc815\ub41c \uae08\uc561\uc744 \uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790\ud558\ub294 \ub2ec\ub7ec \ube44\uc6a9 \ud3c9\uade0\uc785\ub2c8\ub2e4. \uc774 \uc811\uadfc \ubc29\uc2dd\uc740 \ub2e8\uae30 \ubcc0\ub3d9\uc131\uc758 \uc601\ud5a5\uc744 \uc904\uc774\uace0 \uac00\uaca9\uc774 \ub0ae\uc744 \ub54c \ub354 \ub9ce\uc740 \uc8fc\uc2dd\uc744 \ucd95\uc801\ud558\uace0 \uac00\uaca9\uc774 \ub192\uc744 \ub54c \ub354 \uc801\uc740 \uc8fc\uc2dd\uc744 \ucd95\uc801\ud558\uc5ec \uad81\uadf9\uc801\uc73c\ub85c \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud3c9\uade0 \ud22c\uc790 \ube44\uc6a9\uc744 \ub0ae\ucd94\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\ucf54\uc2a4\ub97c \uc720\uc9c0\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc744 \uc720\uc9c0\ud568\uc73c\ub85c\uc368 \ubcf5\ub9ac \ud6a8\uacfc\uac00 \uc790\uc2e0\uc5d0\uac8c \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf5\ub9ac\ub294 \ud22c\uc790\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \uac15\ub825\ud55c \ud798 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc774\ub294 \ucd08\uae30 \ud22c\uc790\uc640 \ud574\ub2f9 \ud22c\uc790\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc775\uc5d0 \ub300\ud574 \uc218\uc775\uc744 \uc5bb\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ubcf5\ub9ac\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uac00\uce58\ub97c \ud06c\uac8c \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \ubc30\ub2f9\uae08\uacfc \uc790\ubcf8 \uc774\ub4dd\uc744 \uc7ac\ud22c\uc790\ud560 \ub54c \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.\uad81\uadf9\uc801\uc73c\ub85c \uc131\uacf5\uc801\uc778 \ud22c\uc790\uc758 \ud575\uc2ec\uc740 \uc778\ub0b4\uc2ec\uc744 \uac16\uace0, \uc815\ubcf4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uc5bb\uc73c\uba70, \uc804\ub7b5\uc5d0 \ub300\ud55c \uc790\uc2e0\uac10\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ucca0\uc800\ud55c \uc870\uc0ac\uc640 \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \uadc0\ud558\uac00 \uc120\ud0dd\ud55c \ud68c\uc0ac\ub294 \uc131\uc7a5\uacfc \uc218\uc775\uc131\uc758 \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\uc74c\uc744 \ubbff\uc73c\uc2ed\uc2dc\uc624. \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc744 \ub9de\ucd94\ub824\uace0 \ub178\ub825\ud558\ub294 \ub300\uc2e0 \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc5d0 \uc9d1\uc911\ud558\uc2ed\uc2dc\uc624. \uc774\ub294 \uc7a5\uae30 \ud22c\uc790\uc790\uc5d0\uac8c \ucd5c\uace0\uc758 \uacb0\uacfc\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc73c\ub85c \uc5ed\uc0ac\uc801\uc73c\ub85c \uc785\uc99d\ub41c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%95%88%EC%A0%84%ED%95%9C_%ED%88%AC%EC%9E%90%EB%A1%9C_%EC%9E%90%EC%82%B0_%EC%A6%9D%EC%8B%9D%ED%95%98%EA%B8%B0\"><\/span>\uc548\uc804\ud55c \ud22c\uc790\ub85c \uc790\uc0b0 \uc99d\uc2dd\ud558\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>40\ub300\uac00 \ub2e4\uac00\uc624\uba74\uc11c \uc548\uc815\uc131\uacfc \uc704\ud5d8\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \ubc29\uc2dd\uc73c\ub85c \uc790\uc0b0\uc744 \uad6c\ucd95\ud558\uace0 \ubcf4\uc874\ud558\ub294 \ub370 \uc9d1\uc911\ud558\ub294 \uac83\uc774 \uc810\uc810 \ub354 \uc911\uc694\ud574\uc9d1\ub2c8\ub2e4. \uc778\uc0dd\uc5d0\uc11c \uc774 \uae30\uac04\uc740 \uac00\uc871 \ubd80\uc591\uc774\ub098 \uc790\ub140 \uad50\uc721 \uc900\ube44\uc640 \uac19\uc740 \uc911\uc694\ud55c \uc7ac\uc815\uc801 \ucc45\uc784\uacfc \uc77c\uce58\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\ubbc0\ub85c \uc2e0\uc911\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \ucc44\ud0dd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.\ub2e4\uc591\ud55c \uc790\uc0b0 \ubc30\ubd84\ud574\uc57c \ud569\ub2c8\ub2e4.\ud575\uc2ec \uc804\ub7b5 \uc911 \ud558\ub098\ub294 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ubaa9\ud45c\ub85c \ud558\uba74\uc11c \ub2e4\uc591\ud55c \uc790\uc0b0 \ubc30\ubd84\uc744 \ud1b5\ud574 \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub2e4\uac01\ud654\uc5d0\ub294 \ub2e8\uc77c \ud22c\uc790\uc758 \ubd80\uc9c4\ud55c \uc131\uacfc\uac00 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \ud22c\uc790\ub97c \ubd84\uc0b0\uc2dc\ud0a4\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc774 \uc811\uadfc \ubc29\uc2dd\uc740 \uc704\ud5d8\uc744 \uc644\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uba70 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ubcf4\ub2e4 \uc77c\uad00\ub41c \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ub9ce\uc740 40\ub300 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub294 \uc8fc\uc2dd\uc5d0 \ub300\ud55c \uade0\ud615 \uc7a1\ud78c \uc811\uadfc\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc774\ub7f0 \uc810\uc5d0\uc11c\ub294 ETF(Exchange Traded Fund)\uac00 \ud2b9\ud788 \uc720\uc6a9\ud569\ub2c8\ub2e4. ETF\ub97c \uc0ac\uc6a9\ud558\uba74 \ub2e8\uc77c \ud22c\uc790 \uc218\ub2e8 \ub0b4\uc5d0\uc11c \uad11\ubc94\uc704\ud55c \uc8fc\uc2dd\uc774\ub098 \uae30\ud0c0 \uc99d\uad8c\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ETF \ub0b4\uc758 \uc774\ub7ec\ud55c \ub2e4\uac01\ud654\ub294 \uac1c\ubcc4 \uc8fc\uc2dd\uc5d0\ub9cc \ud22c\uc790\ud558\ub294 \uac83\ubcf4\ub2e4 \uc704\ud5d8\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ub9ce\uc740 ETF\ub294 \uc8fc\uc694 \uc9c0\uc218\ub098 \ubd80\ubb38\uc744 \ucd94\uc801\ud558\ub3c4\ub85d \uc124\uacc4\ub418\uc5b4 \ub2e4\uc591\ud55c \uae30\uc5c5\uacfc \uc0b0\uc5c5\uc5d0 \ub300\ud55c \ub178\ucd9c\uc744 \uc81c\uacf5\ud558\uace0 \uc704\ud5d8\uc744 \ub354\uc6b1 \ubd84\uc0b0\uc2dc\ud0b5\ub2c8\ub2e4.\uc6b0\ub7c9\uc8fc(\ub300\uaddc\ubaa8, \ud0c4\ud0c4\ud55c \uc785\uc9c0, \uc7ac\uc815\uc801\uc73c\ub85c \uac74\uc804\ud55c \uae30\uc5c5\uc758 \uc8fc\uc2dd) \uc5ed\uc2dc \uc548\uc815\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc5d0\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ub4e4 \ud68c\uc0ac\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uafb8\uc900\ud55c \ubc30\ub2f9\uae08\uc744 \uc81c\uacf5\ud558\uba70 \uc18c\uaddc\ubaa8 \uace0\uc131\uc7a5 \ud68c\uc0ac\ubcf4\ub2e4 \ubcc0\ub3d9\uc131\uc774 \uc801\uc2b5\ub2c8\ub2e4. \uc6b0\ub7c9\uc8fc\uc5d0 \ud22c\uc790\ud558\uba74 \uc548\uc815\uc801\uc778 \uc218\uc775 \ud750\ub984\uc744 \uc81c\uacf5\ud558\uace0 \uc804\ubc18\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc548\uc815\uc131\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ucc44\uad8c\uc740\ud22c\uc790 \uc804\ub7b5\uc5d0 \ucc44\uad8c\uc744 \ud3ec\ud568\uc2dc\ud0a4\uba74 \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uc218\uc785\uc6d0\uc744 \uc81c\uacf5\ud558\uace0 \uc804\ubc18\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubcc0\ub3d9\uc131\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucc44\uad8c\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc8fc\uc2dd\uc5d0 \ube44\ud574 \uc704\ud5d8\uc774 \ub0ae\uc740 \uac83\uc73c\ub85c \uac04\uc8fc\ub418\uba70 \uc815\uae30\uc801\uc778 \uc774\uc790\ub97c \uc9c0\uae09\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704\uc640 \ud22c\uc790 \uae30\uac04\uc5d0 \ub530\ub77c \uad6d\ucc44, \uc9c0\ubc29\ucc44, \ud68c\uc0ac\ucc44\uc758 \ud63c\ud569\uc744 \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ubd80\ub3d9\uc0b0 \ud22c\uc790\ub294\ubd80\ub3d9\uc0b0\uc740 \uc784\ub300 \ubd80\ub3d9\uc0b0\uacfc \uc2dc\uc138\ucc28\uc775\uc744 \ud1b5\ud55c \uc18c\ub4dd \ubaa8\ub450\uc5d0 \ub300\ud55c \uc7a0\uc7ac\ub825\uc744 \uc81c\uacf5\ud558\uc5ec \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uadc0\uc911\ud55c \ucd94\uac00 \uc694\uc18c\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9 \ubc0f \uc790\uc0b0 \uad00\ub9ac \ubb38\uc81c\ub97c \ud3ec\ud568\ud558\uc5ec \uace0\uc720\ud55c \uc704\ud5d8\uc774 \ub530\ub985\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0\uc5d0 \uc2e0\uc911\ud558\uac8c \uc811\uadfc\ud558\uc5ec \uc2dc\uc7a5\uacfc \uace0\ub824 \uc911\uc778 \ud2b9\uc815 \ubd80\ub3d9\uc0b0\uc744 \ucca0\uc800\ud788 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0 \uc804\ubb38\uac00\uc640 \ud611\ub825\ud558\uace0 \ucca0\uc800\ud55c \uc2e4\uc0ac\ub97c \uc218\ud589\ud558\uba74 \uc704\ud5d8\uc744 \uc644\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uc7a5\uae30\uc801 \ucd08\uc810\uc744 \ub450\uace0 \ud569\ub2c8\ub2e4.40\ub300\uc5d0\ub294 \uacf5\uaca9\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc5d0\uc11c \uc548\uc815\uc131\uacfc \uc810\uc9c4\uc801\uc778 \uc131\uc7a5\uc744 \uc6b0\uc120\uc2dc\ud558\ub294 \ud22c\uc790 \uc804\ub7b5\uc73c\ub85c \ucd08\uc810\uc744 \ubc14\uafb8\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc720\uc775\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\uc815\uc801 \uc548\uc815\uc744 \uc720\uc9c0\ud558\uba74\uc11c \ub178\ud6c4\uc790\uae08\uc744 \uafb8\uc900\ud788 \ub298\ub9ac\ub294 \uac83\uc774 \ubaa9\ud45c\ub2e4. \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ub300\ud55c \uc77c\uad00\ub418\uace0 \uc7a5\uae30\uc801\uc778 \ud22c\uc790\ub294 \uc774\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc744 \uadf9\ubcf5\ud558\uace0 \uc740\ud1f4\ub97c \uc704\ud55c \uacac\uace0\ud55c \uae30\ubc18\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ub2e4\uac01\ud654, \uc548\uc815\uc131, \uc7a5\uae30 \uc131\uc7a5\uc744 \uac15\uc870\ud558\ub294 \uc804\ub7b5\uc801 \uc811\uadfc \ubc29\uc2dd\uc744 \ucc44\ud0dd\ud568\uc73c\ub85c\uc368 \uc740\ud1f4\ub97c \uc900\ube44\ud558\uba74\uc11c \uc7ac\uc815\uc801 \uc548\uc815\uc744 \uac15\ud654\ud558\uace0 \uafb8\uc900\ud788 \ubd80\ub97c \ucd95\uc801\ud560 \uc218 \uc788\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>40\ub300\ub294 \ub178\ud6c4 \uc900\ube44\ub97c \ubcf8\uaca9\uc801\uc73c\ub85c \uc2dc\uc791\ud574\uc57c \ud558\ub294 \uc911\uc694\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc740\ud1f4 \ud6c4\uc758 \uc0dd\ud65c\ube44\ub97c \uacc4\ud68d\ud558\uace0, \ub2e4\uc591\ud55c \uc5f0\uae08 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uba70, \uc548\uc804\ud55c \ud22c\uc790\ub97c \ud1b5\ud574 \uc790\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc801 \uc811\uadfc\uc740 \uc740\ud1f4 \ud6c4\uc758 \uacbd\uc81c\uc801 \uc548\uc815\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\uc73c\uba70, \ub178\ud6c4\ub97c \ubcf4\ub2e4 \uc5ec\uc720\ub86d\uac8c \ubcf4\ub0bc \uc218 \uc788\ub294 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.\uc9c0\uae08\ubd80\ud130 \ucc28\uadfc\ucc28\uadfc \uc900\ube44\ud574 \ub098\uac04\ub2e4\uba74, 40\ub300 \uc774\ud6c4\uc758 \uc0b6\uc744 \ubcf4\ub2e4 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ub178\ud6c4 \uc900\ube44\ub294 \ub354 \uc774\uc0c1 \ubbf8\ub8f0 \uc218 \uc5c6\ub294 \uc911\uc694\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc9c0\uae08 \ub2f9\uc7a5 \uc2dc\uc791\ud558\uc5ec, \ubbf8\ub798\uc758 \uacbd\uc81c\uc801 \ubd88\uc548\uc744 \ud574\uc18c\ud558\uace0, \uc548\uc815\uc801\uc778 \ub178\ud6c4\ub97c \ubcf4\uc7a5\ubc1b\uc73c\uc138\uc694. \uafb8\uc900\ud55c \ub178\ub825\uc774 \uc313\uc5ec, \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \ud48d\uc694\ub86d\uace0 \ud589\ubcf5\ud55c \uc0b6\uc744 \ub204\ub9b4 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>40\ub300\ub294 \ub178\ud6c4 \uc900\ube44\ub97c \ubcf8\uaca9\uc801\uc73c\ub85c \uc2dc\uc791\ud574\uc57c \ud558\ub294 \uc911\uc694\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc774\ub54c \ub178\ud6c4\uc900\ube44\ub97c \ubbf8\ub9ac \ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \ud558\uba74 \ub178\ud6c4\uc5d0 \ud798\ub4e0 \uc0dd\ud65c\uc744 \ud558\uac8c \ub420 \uac83 \uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc774 \uc2dc\uc810\uc5d0\uc11c\uc758 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc740\ud1f4 \ud6c4\uc758 \uacbd\uc81c\uc801 \uc548\uc815\uc744 \ubcf4\uc7a5\ud558\ub294 \ub370 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 40\ub300\uc5d0 \uaf2d \ud544\uc694\ud55c \ub178\ud6c4 \uc900\ube44 \uc7ac\ud14c\ud06c \ubc29\ubc95\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. &nbsp; \uc740\ud1f4 \ud6c4 \uc0dd\ud65c\ube44 \uacc4\ud68d \uc138\uc6b0\uae30 40\ub300\uac00 \uac00\uae4c\uc6cc\uc9c8\uc218\ub85d \uc740\ud1f4 \uc900\ube44\uac00 &#8230; <a title=\"40\ub300\uc5d0 \uaf2d \ud544\uc694\ud55c \ub178\ud6c4 \uc900\ube44 \uc7ac\ud14c\ud06c \ubc29\ubc95\" class=\"read-more\" href=\"https:\/\/excatch.com\/the-essential-retirement-preparation-financial-management-method-for-those-in-their-40s\/\" aria-label=\"Read more about 40\ub300\uc5d0 \uaf2d \ud544\uc694\ud55c \ub178\ud6c4 \uc900\ube44 \uc7ac\ud14c\ud06c \ubc29\ubc95\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[197,159,80,198],"_links":{"self":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/391"}],"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=391"}],"version-history":[{"count":4,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/391\/revisions"}],"predecessor-version":[{"id":440,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/posts\/391\/revisions\/440"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media\/334"}],"wp:attachment":[{"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/media?parent=391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/categories?post=391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/excatch.com\/wp-json\/wp\/v2\/tags?post=391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}