{"id":10,"date":"2025-12-28T08:50:31","date_gmt":"2025-12-28T08:50:31","guid":{"rendered":"https:\/\/ddongjongi.com\/?p=10"},"modified":"2025-12-28T08:50:32","modified_gmt":"2025-12-28T08:50:32","slug":"%ec%99%95%ec%b4%88%eb%b3%b4%eb%8f%84-%ea%b0%80%eb%8a%a5%ed%95%9c-%ec%a3%bc%ec%8b%9d%ed%95%98%eb%8a%94%eb%b2%95-%ed%95%b8%eb%93%9c%ed%8f%b0%ec%9c%bc%eb%a1%9c-10%eb%a7%8c-%ec%9b%90%eb%b6%80","status":"publish","type":"post","link":"https:\/\/ddongjongi.com\/?p=10","title":{"rendered":"\uc655\ucd08\ubcf4\ub3c4 \uac00\ub2a5\ud55c \uc8fc\uc2dd\ud558\ub294\ubc95\u2013 \ud578\ub4dc\ud3f0\uc73c\ub85c 10\ub9cc \uc6d0\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc9c4\uc9dc \ubc29\ubc95 (ISA \ud3ec\ud568 \uc644\uc804\ud310)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc744 \ucc98\uc74c \uc811\ud558\uba74 \ub204\uad6c\ub098 \ub9c9\uc5f0\ud55c \ub450\ub824\uc6c0\uc744 \ub290\ub07c\uac8c \ub429\ub2c8\ub2e4. \uc6a9\uc5b4\ub294 \uc5b4\ub835\uace0, \uc22b\uc790\ub294 \ubcf5\uc7a1\ud574 \ubcf4\uc774\uba70, \uad1c\ud788 \uc798\ubabb \ud22c\uc790\ud588\ub2e4\uac00 \uc190\ud574\ub97c \ubcfc\uae4c \uac71\uc815\ubd80\ud130 \uc55e\uc11c\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc8fc\uc2dd\uc740 \ud2b9\ubcc4\ud55c \uc0ac\ub78c\ub9cc \ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uae30\ubcf8 \uac1c\ub150\ub9cc \uc774\ud574\ud558\uba74 \ub204\uad6c\ub098 \ucc28\uadfc\ucc28\uadfc \ubc30\uc6cc\uac08 \uc218 \uc788\ub294 \uae08\uc735 \ud65c\ub3d9\uc785\ub2c8\ub2e4. \uc774 \uae00\uc740 \uc8fc\uc2dd\uc774 \ucc98\uc74c\uc778 \uc0ac\ub78c\ub3c4 \ubd80\ub2f4 \uc5c6\uc774 \uc77d\uc744 \uc218 \uc788\ub3c4\ub85d, \uac00\uc7a5 \uae30\ucd08\uc801\uc778 \uac1c\ub150\ubd80\ud130 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc124\uba85\ud558\uae30 \uc704\ud574 \ub9cc\ub4e4\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \uc5b4\ub824\uc6b4 \uc804\ubb38 \uc6a9\uc5b4\ubcf4\ub2e4\ub294 \uc77c\uc0c1\uc801\uc778 \ud45c\ud604\uc73c\ub85c \ud480\uc5b4 \uc124\uba85\ud558\uba70, \uc8fc\uc2dd\uc774\ub77c\ub294 \uac1c\ub150\uc774 \ub0af\uc124\uc9c0 \uc54a\uac8c \ub290\uaef4\uc9c0\ub3c4\ub85d \ub3d5\ub294 \uac83\uc774 \ubaa9\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc8fc\uc2dd\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc740 \u201c\ud68c\uc0ac \uc870\uac01\uc744 \ud558\ub098 \uc0ac\ub294 \uac83\u201d\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uba74 \ub3fc\uc694. \uc608\ub97c \ub4e4\uc5b4 \uc0bc\uc131\uc804\uc790\ub77c\ub294 \ud070 \ud68c\uc0ac\uac00 \uc788\ub2e4\uace0 \ud558\uba74, \uadf8 \ud68c\uc0ac\ub97c \ud53c\uc790 \ud55c \ud310\uc774\ub77c\uace0 \uc0dd\uac01\ud574\ubcf4\uc138\uc694. \uadf8 \ud53c\uc790\ub97c \uc544\uc8fc \uc798\uac8c \ub098\ub208 \uc870\uac01 \ud558\ub098\ub97c \uc0ac\ub294 \uac83, \uadf8\uac8c \ubc14\ub85c \uc8fc\uc2dd\uc785\ub2c8\ub2e4. \uc989, \uc0bc\uc131\uc804\uc790 \uc8fc\uc2dd\uc744 \uc0b0\ub2e4\ub294 \uac74 \uc0bc\uc131\uc804\uc790\ub77c\ub294 \ud68c\uc0ac\uc758 \uc544\uc8fc \uc791\uc740 \uc8fc\uc778\uc774 \ub418\ub294 \uac83\uc774\uc5d0\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uadf8\ub7fc \uc65c \uc8fc\uc2dd\uc744 \uc0b4\uae4c\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud68c\uc0ac\uac00 \uc798\ub418\uba74 \ub450 \uac00\uc9c0 \uc88b\uc740 \uc77c\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc8fc\uac00\uac00 \uc624\ub985\ub2c8\ub2e4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud68c\uc0ac\uac00 \uc131\uc7a5\ud558\uba74 \u201c\uc774 \ud68c\uc0ac \uad1c\ucc2e\ub2e4!\u201d\ub77c\uace0 \uc0dd\uac01\ud558\ub294 \uc0ac\ub78c\uc774 \ub9ce\uc544\uc9c0\uace0 \uc8fc\uc2dd\uc744 \uc0ac\ub824\ub294 \uc0ac\ub78c\uc774 \ub298\uc5b4\uc694. \uadf8\ub7ec\uba74 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc8fc\uc2dd \uac00\uaca9\uc774 \uc62c\ub77c\uac11\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubc30\ub2f9\uae08\uc744 \ubc1b\uc744 \uc218\ub3c4 \uc788\uc5b4\uc694<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud68c\uc0ac\uac00 \ub3c8\uc744 \ub9ce\uc774 \ubc8c\uba74 \uadf8 \uc774\uc775\uc758 \uc77c\ubd80\ub97c \uc8fc\uc8fc\uc5d0\uac8c \ub098\ub220\uc8fc\uae30\ub3c4 \ud574\uc694. \uc774\uac8c \ubc14\ub85c \ubc30\ub2f9\uae08\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc8fc\uc2dd \ud22c\uc790\ub294 \u201c\ud68c\uc0ac\uc758 \uc131\uc7a5\uc744 \ubbff\uace0 \ud568\uaed8 \uac00\ub294 \uac83\u201d\uc774\ub77c\uace0 \ubcf4\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uac1c\ub150\ub9cc \uc81c\ub300\ub85c \uc7a1\ud600 \uc788\uc73c\uba74 \uadf8\ub2e4\uc74c \ub2e8\uacc4\uc778 \uc5b8\uc81c \uc0ac\uc57c \ud558\ub294\uc9c0, \uc5b4\ub5a4 \uc8fc\uc2dd\uc744 \uace8\ub77c\uc57c \ud558\ub294\uc9c0, ISA\ub294 \uc5b8\uc81c \ub9cc\ub4dc\ub294\uc9c0, \uc774\ub7f0 \uac83\ub3c4 \ud6e8\uc52c \uc27d\uac8c \uc774\ud574\ub429\ub2c8\ub2e4. \ubcf4\ud1b5 \uc0ac\ub78c\ub4e4\uc774 \uad81\uae08\ud574\ud558\ub294\uac74 \u201c\uc8fc\uc2dd\uc740 \uc5b8\uc81c \uc0ac\uc57c \ud558\ub098\uc694?\u201d, \u201c\ucd08\ubcf4\uac00 \uc808\ub300 \ud558\uba74 \uc548 \ub418\ub294 \ud589\ub3d9 5\uac00\uc9c0\u201d, \u201c10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud604\uc2e4\uc801\uc778 \ud22c\uc790 \ud750\ub984 \ub4f1\uc774 \uc788\uc73c\uba70 \uc774 \uc774\uc57c\uae30\ub294 \ucc28\ucc28 \ud480\uc5b4\ub098\uac00\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc8fc\uc2dd\ud558\ub294\ubc95\uc740 \ud22c\uc790\uc758 \uccab \ub2e8\uacc4: \uc99d\uad8c \uacc4\uc88c \ub9cc\ub4e4\uae30<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc744 \ud558\ub824\uba74 \ubc18\ub4dc\uc2dc \uc99d\uad8c \uacc4\uc88c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc740\ud589 \uacc4\uc88c\uc640\ub294 \ub2e4\ub985\ub2c8\ub2e4. \uc900\ube44\ubb3c\uc740 \uc2e0\ubd84\uc99d, \ubcf8\uc778 \uba85\uc758 \ud734\ub300\ud3f0, \uae30\uc874 \uc740\ud589 \uacc4\uc88c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub9ce\uc774 \uc4f0\ub294 \uc99d\uad8c\uc0ac<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\ud1b5 \uc2e0\uaddc \uac00\uc785 \uc2dc \uc218\uc218\ub8cc \ubb34\ub8cc + \uc8fc\uc2dd \uc9c0\uae09 \uc774\ubca4\ud2b8\uac00 \ub9ce\uc73c\ub2c8 \uaf2d \ud655\uc778\ud558\uace0 \uac00\uc785\ud558\ub294\uac8c \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uc99d\uad8c\uc0ac<\/td><td>\ud2b9\uc9d5<\/td><\/tr><tr><td>\ud1a0\uc2a4\uc99d\uad8c<\/td><td>\uac00\uc7a5 \uc26c\uc6b4 UI, \uc644\uc804 \ucd08\ubcf4 \ucd94\ucc9c<\/td><\/tr><tr><td>\ud0a4\uc6c0\uc99d\uad8c<\/td><td>\uad6d\ub0b4 \uc8fc\uc2dd \uc810\uc720\uc728 1\uc704<\/td><\/tr><tr><td>NH\ud22c\uc790\uc99d\uad8c(\ub098\ubb34)<\/td><td>\uae54\ub054\ud558\uace0 \uc548\uc815\uc801<\/td><\/tr><tr><td>\uc0bc\uc131\uc99d\uad8c<\/td><td>\uc7a5\uae30 \ud22c\uc790\uc790 \uc120\ud638<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">ISA\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd \ucd08\ubcf4\uac00 \uaf2d \uc54c\uc544\uc57c \ud560 \u2018\uc808\uc138 \ud1b5\uc7a5\u2019 \uc644\uc804 \uc815\ub9ac\ub85c \uc8fc\uc2dd \uc598\uae30\ud558\ub2e4 \ubcf4\uba74 \uaf2d \ub098\uc624\ub294 \ub9d0\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cISA\ub294 \uaf2d \ub9cc\ub4e4\uc5b4 \ub450\uc138\uc694.\u201d \uadf8\ub7f0\ub370 \ub9c9\uc0c1 \ub4e4\uc73c\uba74 \uc774\ub7f0 \uc0dd\uac01\uc774 \ub4e4\uc8e0. \u201cISA\uac00 \ubb54\ub370?\u201d, \u201c\uc9c0\uae08 \ub9cc\ub4e4\uc5b4\uc57c \ub3fc?\u201d, \u201c\ub098 \uac19\uc740 \ucd08\ubcf4\ub3c4 \ud544\uc694\ud55c \uac70\uc57c?\u201d \uc9c0\uae08\ubd80\ud130 \uadf8\uac78 \uc644\uc804\ud788 \uc774\ud574\uc2dc\ucf1c \ub4dc\ub9b4\uac8c\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ISA\ub294 \ud55c\ub9c8\ub514\ub85c \ubb50\uc608\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ISA\ub294 \u2018\uc138\uae08 \ud61c\ud0dd\uc774 \uc788\ub294 \ud22c\uc790 \ud1b5\uc7a5\u2019\uc774\uc5d0\uc694. \uc870\uae08 \ub354 \uc27d\uac8c \ub9d0\ud558\uba74, \uc8fc\uc2dd, ETF, \uc608\uae08 \ub4f1\uc744 \ud55c \ud1b5\uc7a5\uc5d0 \ub2f4\uc544\ub450\uace0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc138\uae08\uc744 \ub35c \ub0b4\ub3c4\ub85d \ub9cc\ub4e4\uc5b4\uc9c4 \u2018\uc815\ubd80 \uacf5\uc2dd \uc808\uc138 \ud1b5\uc7a5\u2019\uc774\uc5d0\uc694. \uc77c\ubc18 \uc8fc\uc2dd \uacc4\uc88c\ub791 \ub2e4\ub978 \uc810\uc740 \ub2e8 \ud558\ub098\uc785\ub2c8\ub2e4. \uc218\uc775\uc774 \ub098\ub3c4 \uc138\uae08\uc744 \uac70\uc758 \uc548 \ub0b8\ub2e4\ub294 \uc810\uc774\uc5d0\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc65c ISA\ub97c \ub9cc\ub4e4\uba74 \uc88b\uc740\uac00\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\ud1b5 \uc8fc\uc2dd\uc73c\ub85c \ub3c8\uc744 \ubc8c\uba74 \uc218\uc775\uc758 15.4%\ub97c \uc138\uae08\uc73c\ub85c \ub0b4\uc57c \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc ISA \uacc4\uc88c\uc5d0\uc11c\ub294 \uc5f0 200\ub9cc \uc6d0(\uc11c\ubbfc\ud615\uc740 400\ub9cc \uc6d0) \uae4c\uc9c0 \uc138\uae08\uc774 0\uc6d0 \uadf8 \uc774\uc0c1 \uc218\uc775\ub3c4 9.9%\ub9cc \uc138\uae08 \ubd80\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc989, \uac19\uc740 \ud22c\uc790\ub97c \ud574\ub3c4 ISA\ub85c \ud558\uba74 \uc138\uae08\uc744 \ud6e8\uc52c \uc801\uac8c \ub0c5\ub2c8\ub2e4. \uc774\uac8c \uc0ac\ub78c\ub4e4\uc774 ISA\ub97c \u201c\ubb34\uc870\uac74 \ub9cc\ub4e4\uc5b4\uc57c \ud558\ub294 \ud1b5\uc7a5\u201d\uc774\ub77c\uace0 \ud558\ub294 \uc774\uc720\uc8e0.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uadf8\ub7fc ISA\ub294 \uc5b8\uc81c \ub9cc\ub4dc\ub294 \uac8c \uc88b\uc744\uae4c\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc774 \uc870\uae08 \uc775\uc219\ud574\uc84c\uc744 \ub54c\uc785\ub2c8\ub2e4. \ucc98\uc74c \uc8fc\uc2dd \uc2dc\uc791\ud558\uc790\ub9c8\uc790 \ub9cc\ub4e4 \ud544\uc694\ub294 \uc5c6\uc5b4\uc694. \uc774\ub7f0 \uc0c1\ud0dc\uac00 \ub418\uba74 \ub9cc\ub4e4\uae30 \ub531 \uc88b\uc544\uc694. \uc8fc\uc2dd\uc774 \ubb54\uc9c0 \uac10\uc774 \uc0dd\uacbc\ub2e4. \ud55c\ub450 \ubc88 \uc0ac\uace0\ud314\uc544\ubd24\uace0 \uc55e\uc73c\ub85c 1\ub144 \uc774\uc0c1 \ud22c\uc790\ud560 \uc0dd\uac01\uc774\ub2e4\ub77c\uba74 ISA\ub97c \ub9cc\ub4e4\uba74 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74 ISA\ub294 \ud55c \ubc88 \ub9cc\ub4e4\uba74 \ucd5c\uc18c 3\ub144 \uc720\uc9c0\ud574\uc57c \uc138\uae08 \ud61c\ud0dd\uc744 \uc81c\ub300\ub85c \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\uc5d0\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ISA\ub85c \ubb58 \ud560 \uc218 \uc788\ub098\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">ISA \uc548\uc5d0\uc11c\ub294 \uc544\ub798 \uac83\ub4e4\uc744 \ud55c \ubc88\uc5d0 \ud560 \uc218 \uc788\uc5b4\uc694. \uc989, \u201c\ud558\ub098\uc758 \ud1b5\uc7a5 \uc548\uc5d0 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub9cc\ub4dc\ub294 \uac83\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uac00\ub2a5 \ud56d\ubaa9<\/td><td>\uc124\uba85<\/td><\/tr><tr><td>\uad6d\ub0b4 \uc8fc\uc2dd<\/td><td>\uc0bc\uc131\uc804\uc790, \ud604\ub300\ucc28 \ub4f1<\/td><\/tr><tr><td>ETF<\/td><td>\uc5ec\ub7ec \uc8fc\uc2dd\uc744 \ud55c \ubc88\uc5d0 \ub2f4\uc740 \uc0c1\ud488<\/td><\/tr><tr><td>\uc608, \uc801\uae08<\/td><td>\uc548\uc804 \uc790\uc0b0<\/td><\/tr><tr><td>\ucc44\uad8c<\/td><td>\ube44\uad50\uc801 \uc548\uc815\uc801\uc778 \ud22c\uc790<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">ISA\ub294 \uc5b4\ub5bb\uac8c \ub9cc\ub4dc\ub098\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">ISA \ub9cc\ub4dc\ub294 \ubc95\uc740 \uc9c4\uc9dc \uac04\ub2e8\ud569\ub2c8\ub2e4. \uc774\ubbf8 \uc8fc\uc2dd \uacc4\uc88c\uac00 \uc788\uc5b4\ub3c4 ISA\ub294 \ub530\ub85c \ucd94\uac00\ub85c \ub9cc\ub4e4 \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc99d\uad8c\uc0ac \uc571 \uc2e4\ud589 (\ud1a0\uc2a4\uc99d\uad8c, \ud0a4\uc6c0, NH \ub4f1)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cISA \uacc4\uc88c \uac1c\uc124\u201d \uc120\ud0dd<\/li>\n\n\n\n<li>\ubcf8\uc778 \uc778\uc99d<\/li>\n\n\n\n<li>\ub05d (5~10\ubd84)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc804\ubb38\uac00\ub4e4\uc740 ISA\ub97c \ub2e8\uae30 \ub9e4\ub9e4\uc6a9 \u274c\uc774 \uc544\ub2cc \uc7a5\uae30 \ud22c\uc790\uc6a9 \u2b55\uc73c\ub85c \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 ISA \uc548\uc5d0\ub294 ETF \uc704\uc8fc\ub85c \uc7a5\uae30 \ud22c\uc790\ud558\uace0 \uc77c\ubc18 \uacc4\uc88c\ub294 \ub2e8\uae30 \ub9e4\ub9e4\uc6a9\uc73c\ub85c\ud558\uc8e0. \uc218\uc775\uc774 \ucee4\uc9c8\uc218\ub85d \uc138\uae08 \ucc28\uc774\uac00 \uc5c4\uccad \ucee4\uc9c0\uc8e0. \uadf8\ub798\uc11c \u201c\ub3c8\uc744 \uad74\ub9b4 \uc0dd\uac01\uc774\ub77c\uba74 ISA\ubd80\ud130 \ub9cc\ub4e0\ub2e4\u201d \ub77c\ub294 \ub9d0\uc774 \ub098\uc624\ub294 \uac70\uc608\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\ub9ac\ud558\uba74 \uc774\ub807\uac8c \uae30\uc5b5\ud558\uc138\uc694! ISA = \uc138\uae08 \uc544\uaef4\uc8fc\ub294 \ud22c\uc790 \ud1b5\uc7a5, \uc8fc\uc2dd\uc774 \uc870\uae08 \uc775\uc219\ud574\uc84c\uc744 \ub54c \ub9cc\ub4e4\uae30! 3\ub144 \uc774\uc0c1 \ud22c\uc790\ud560 \uacc4\ud68d\uc774\uba74 \ubb34\uc870\uac74 \uc720\ub9ac\ud558\uace0 \uc7a5\uae30 \ud22c\uc790 + ETF\uc5d0 \ud2b9\ud788 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc77c\ubc18 \uacc4\uc88c vs ISA \ubb50\uac00 \ub2e4\ub974\uace0, \uc5b4\ub5a4 \uac78 \uc368\uc57c \ud560\uae4c?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc744 \uc2dc\uc791\ud558\uba74 \uac00\uc7a5 \ub9ce\uc774 \ub4e3\ub294 \ub9d0\uc774 \u201c\uadf8\ub0e5 \uc77c\ubc18 \uacc4\uc88c\ub85c \ud560\uae4c?\u201d, \u201c\uc544\ub2c8\uba74 ISA\ubd80\ud130 \ub9cc\ub4e4\uc5b4\uc57c \ud558\ub098?\u201d \uc774 \ub450 \uacc4\uc88c\uc758 \ucc28\uc774\ub97c \ud55c \ubb38\uc7a5\uc73c\ub85c \ub9d0\ud558\uba74 \uc774\ub807\uc2b5\ub2c8\ub2e4. \uc77c\ubc18 \uacc4\uc88c\ub294 \u2018\uadf8\ub0e5 \ud22c\uc790\uc6a9 \ud1b5\uc7a5\u2019, ISA\ub294 \u2018\uc138\uae08 \ud61c\ud0dd\uc774 \ubd99\uc740 \ud22c\uc790 \uc804\uc6a9 \ud1b5\uc7a5\u2019<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc77c\ubc18 \uc99d\uad8c \uacc4\uc88c\ub780?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc77c\ubc18 \uacc4\uc88c\ub294 \ub9d0 \uadf8\ub300\ub85c \uc8fc\uc2dd\uc744 \uc0ac\uace0\ud30c\ub294 \uae30\ubcf8 \uacc4\uc88c\uc785\ub2c8\ub2e4. \ud2b9\uc9d5\uc73c\ub85c\ub294 \uac1c\uc124\uc774 \uac00\uc7a5 \uc27d\uace0 \uc8fc\uc2dd, ETF \ubaa8\ub450 \uac70\ub798 \uac00\ub2a5\ud558\uba70 \uc5b8\uc81c\ub4e0 \uc790\uc720\ub86d\uac8c \uc0ac\uace0\ud314 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc218\uc775\uc774 \ub098\uba74 \uc138\uae08\uc744 \ubc14\ub85c \ub0b4\uc8e0. \ub9cc\uc57d \uc8fc\uc2dd\uc73c\ub85c 100\ub9cc\uc6d0\uc744 \ubc8c\uc5c8\ub2e4\uba74 \uc57d 15\ub9cc\uc6d0 \uc815\ub3c4 \uc138\uae08\uc744 \ub0c5\ub2c8\ub2e4. \uc790\uc720\ub86d\uc9c0\ub9cc \uc138\uae08 \ud61c\ud0dd\uc740 \uac70\uc758 \uc5c6\ub294\uac70\uc8e0.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub780?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ISA\ub294 \uc815\ubd80\uac00 \ub9cc\ub4e0 \u2018\uc808\uc138\uc6a9 \ud22c\uc790 \uacc4\uc88c\u2019\uc785\ub2c8\ub2e4. \u201c\ud22c\uc790\ub294 \uc7a5\ub824\ud558\ub418, \uc138\uae08 \ubd80\ub2f4\uc740 \uc904\uc5ec\uc8fc\uc790\u201d\ub77c\ub294 \ucde8\uc9c0\ub85c \ub9cc\ub4e4\uc5b4\uc84c\uc5b4\uc694. ISA\uc758 \ud575\uc2ec \ud2b9\uc9d5\uc740 \uc8fc\uc2dd, ETF, \uc608\uae08 \ub4f1\uc744 \ud55c \uacc4\uc88c\uc5d0\uc11c \uad00\ub9ac\ud560 \uc218 \uc788\uc73c\uba70 \uc77c\uc815 \uae08\uc561\uae4c\uc9c0 \uc138\uae08 \uba74\uc81c\uac00 \ub418\uace0 \uc7a5\uae30 \ud22c\uc790\uc5d0 \ub9e4\uc6b0 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \ud3ec\uc778\ud2b8\ub294 \uc218\uc775 200\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138\uc774\uace0 \uadf8 \uc774\uc0c1\ub3c4 9.9% \uc800\uc728 \uacfc\uc138\ud560 \uc218 \uc788\ub2e4\ub294 \uac70\uc8e0. \uc77c\ubc18 \uacc4\uc88c(15.4%)\ubcf4\ub2e4 \ud6e8\uc52c \uc720\ub9ac\ud558\uc8e0.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc22b\uc790\ub85c \ube44\uad50\ud574\ubcf4\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uac19\uc740 \ud22c\uc790\ub97c \ud574\ub3c4 \uacc4\uc88c \ud558\ub098 \ucc28\uc774\ub85c \uc218\uc2ed\ub9cc \uc6d0\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uad6c\ubd84<\/td><td>\uc77c\ubc18 \uacc4\uc88c<\/td><td>ISA \uacc4\uc88c<\/td><\/tr><tr><td>\uc218\uc775 200\ub9cc\uc6d0<\/td><td>\uc138\uae08 \uc57d 30\ub9cc\uc6d0<\/td><td>\uc138\uae08 0\uc6d0<\/td><\/tr><tr><td>\uc218\uc775 500\ub9cc\uc6d0<\/td><td>\uc138\uae08 \uc57d 77\ub9cc\uc6d0<\/td><td>\uc57d 30\ub9cc \uc6d0<\/td><\/tr><tr><td>\uc7a5\uae30 \ud22c\uc790<\/td><td>\ubd88\ub9ac<\/td><td>\ub9e4\uc6b0 \uc720\ub9ac<\/td><\/tr><tr><td>\ucd08\ubcf4\uc790 \uc801\ud569\ub3c4<\/td><td>\ubcf4\ud1b5<\/td><td>\ucd08\ubcf4\uc790\uc5d0\uac8c \uc801\ud569<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\ud578\ub4dc\ud3f0\uc73c\ub85c \uc8fc\uc2dd \uc0ac\ub294 \uc2e4\uc81c \ubc29\ubc95 (\ucd08\ubcf4\uc790 \uae30\uc900)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\uc99d\uad8c \uacc4\uc88c\uc5d0 \ub3c8 \ub123\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf8\uc778 \uc740\ud589\uc5d0\uc11c \uc99d\uad8c \uacc4\uc88c\ub85c \uc774\uccb4\ub97c \ud55c\ub2e4\uc74c&nbsp; \ucc98\uc74c\uc5d4 10\ub9cc \uc6d0 \uc815\ub3c4\uba74 \ucda9\ubd84\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc885\ubaa9 \uac80\uc0c9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc0bc\uc131\uc804\uc790, \uce74\uce74\uc624, \ub124\uc774\ubc84 \ub4f1 \ub610\ub294 ETF (\uc608: \ucf54\uc2a4\ud53c200, S&amp;P500)\uc744 \uac80\uc0c9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc8fc\ubb38\ud558\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd08\ubcf4\uc790\ub294 \uc2dc\uc7a5\uac00\uac00 \uac00\uc7a5 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2dc\uc7a5\uac00: \uc9c0\uae08 \uac00\uaca9\uc73c\ub85c \ubc14\ub85c \uad6c\ub9e4<\/li>\n\n\n\n<li>\uc9c0\uc815\uac00: \ub0b4\uac00 \uc6d0\ud558\ub294 \uac00\uaca9\uc5d0 \uc608\uc57d<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">10\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ud604\uc2e4\uc801\uc778 \ud22c\uc790 \uc608\uc2dc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub807\uac8c \ud558\uba74 \uc704\ud5d8\uc740 \uc904\uc774\uace0 \uacbd\ud5d8\uc740 \uc313\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uad6c\ubd84<\/td><td><\/td><\/tr><tr><td>\ub300\ud615 \uc6b0\ub7c9\uc8fc<\/td><td>40,000\uc6d0<\/td><\/tr><tr><td>ETF(\ubd84\uc0b0 \ud22c\uc790)<\/td><td>30,000\uc6d0<\/td><\/tr><tr><td>\uad00\uc2ec \uc885\ubaa9<\/td><td>30,000\uc6d0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\ucd08\ubcf4\uc790\uac00 \uaf2d \uc54c\uc544\uc57c \ud560 \ud544\uc218 \uc6a9\uc5b4 5\uac00\uc9c0<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ub9e4\uc218: \uc8fc\uc2dd \uc0ac\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9e4\uc218\ub294 \ub9d0 \uadf8\ub300\ub85c \uc8fc\uc2dd\uc744 \uc0ac\ub294 \ud589\ub3d9\uc774\uc5d0\uc694. \u201c\uc0bc\uc131\uc804\uc790 1\uc8fc\ub97c \uc0c0\ub2e4\u201d\ub77c\uace0 \ud558\uba74, \uadf8 \uc21c\uac04\ubd80\ud130 \uc0bc\uc131\uc804\uc790\uc758 \uc544\uc8fc \uc791\uc740 \uc8fc\uc778\uc774 \ub418\ub294 \uac70\uc608\uc694. \uc8fc\uc2dd \ud22c\uc790\uc758 \uc2dc\uc791\uc740 \ud56d\uc0c1 \u2018\ub9e4\uc218\u2019\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub9e4\ub3c4: \uc8fc\uc2dd \ud314\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9e4\ub3c4\ub294 \ub0b4\uac00 \uac00\uc9c0\uace0 \uc788\ub358 \uc8fc\uc2dd\uc744 \ud30c\ub294 \uac83\uc774\uc5d0\uc694. \uc8fc\uac00\uac00 \uc62c\ub790\uc744 \ub54c \ud314\uba74 \uc218\uc775\uc774 \ub418\uace0,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub5a8\uc5b4\uc84c\uc744 \ub54c \ud314\uba74 \uc190\ud574\uac00 \ub418\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \u2018\uc5b8\uc81c \uc0ac\ub290\ub0d0\u2019\ub9cc\ud07c \u2018\uc5b8\uc81c \ud30c\ub290\ub0d0\u2019\ub3c4 \uc911\uc694\ud574\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc2dc\uac00 \/ \uc885\uac00: \uc2dc\uc791\uac00 \/ \ub9c8\uac10\uac00<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2dc\uac00\ub294 \uadf8\ub0a0 \uc8fc\uc2dd\uc2dc\uc7a5\uc774 \uc5f4\ub9b4 \ub54c\uc758 \uccab \uac00\uaca9, \uc885\uac00\ub294 \uc7a5\uc774 \ub05d\ub0a0 \ub54c \ub9c8\uc9c0\ub9c9\uc73c\ub85c \uac70\ub798\ub41c \uac00\uaca9\uc774\uc5d0\uc694. \ud558\ub8e8 \ub3d9\uc548 \uc8fc\uac00\uac00 \uc5bc\ub9c8\ub098 \uc6c0\uc9c1\uc600\ub294\uc9c0 \ubcfc \ub54c \uaf2d \ud544\uc694\ud55c \uae30\uc900\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PER: \uc8fc\uac00\uac00 \ube44\uc2fc\uc9c0 \ubcf4\ub294 \uc9c0\ud45c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PER\uc740 \u201c\uc774 \ud68c\uc0ac\uac00 \ubc8c\uc5b4\ub4e4\uc774\ub294 \ub3c8\uc5d0 \ube44\ud574 \uc8fc\uac00\uac00 \uc5bc\ub9c8\ub098 \ube44\uc2fc\uac00\u201d\ub97c \ubcf4\ub294 \uc22b\uc790\uc608\uc694. \uc22b\uc790\uac00 \ub0ae\uc744\uc218\ub85d \uc0c1\ub300\uc801\uc73c\ub85c \uc800\ud3c9\uac00, \ub192\uc744\uc218\ub85d \ube44\uc2f8\uac8c \uac70\ub798\ub418\uace0 \uc788\ub2e4\uace0 \ubcfc \uc218 \uc788\uc5b4\uc694. \ub2e8, \uc22b\uc790\ub9cc \ubcf4\uace0 \ud310\ub2e8\ud558\uba74 \uc548 \ub418\uace0 \ucc38\uace0\uc6a9\uc73c\ub85c\ub9cc \ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubd84\ud560\ub9e4\uc218: \ud55c \ubc88\uc5d0 \uc548 \uc0ac\uace0 \ub098\ub220\uc11c \uc0ac\uae30&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubd84\ud560\ub9e4\uc218\ub294 \ud55c \ubc88\uc5d0 \uc804\ubd80 \uc0ac\uc9c0 \uc54a\uace0, \uc5ec\ub7ec \ubc88 \ub098\ub220\uc11c \uc870\uae08\uc529 \uc0ac\ub294 \ubc29\ubc95\uc774\uc5d0\uc694. \uac00\uaca9\uc774 \ub5a8\uc5b4\uc84c\uc744 \ub54c\ub3c4 \ub300\uc751\ud560 \uc218 \uc788\uc5b4\uc11c \ucd08\ubcf4\uc790\uc5d0\uac8c \uac00\uc7a5 \uc548\uc804\ud55c \ud22c\uc790 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ucd94\uac00\ub85c \uaf2d \uc54c\uc544\ub450\uba74 \uc88b\uc740 \ud544\uc218 \uc6a9\uc5b4 5\uac00\uc9c0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc740 \ub2e8\uc5b4\ub9cc \uc774\ud574\ud574\ub3c4 \uc808\ubc18\uc740 \uc131\uacf5\uc785\ub2c8\ub2e4. \uc6a9\uc5b4\uac00 \uc775\uc219\ud574\uc9c8\uc218\ub85d \ud22c\uc790\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0\uc740 \uc0ac\ub77c\uc9c0\uace0 \ud310\ub2e8\uc740 \ube68\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\uc218\uc775\ub960<\/td><td>\ub0b4\uac00 \ud22c\uc790\ud55c \ub3c8 \ub300\ube44 \uc5bc\ub9c8\ub098 \ubc8c\uc5c8\ub294\uc9c0\ub97c %\ub85c \ubcf4\uc5ec\uc8fc\ub294 \uc218\uce58\uc608\uc694.\uc608: 10\ub9cc \uc6d0 \ud22c\uc790 \u2192 12\ub9cc \uc6d0 = \uc218\uc775\ub960 20%<\/td><\/tr><tr><td>\uc190\uc808<\/td><td>\ub354 \ud070 \uc190\ud574\ub97c \ub9c9\uae30 \uc704\ud574 \uc190\uc2e4\uc744 \uac10\uc218\ud558\uace0 \ud30c\ub294 \uac83\uc774\uc5d0\uc694. \uac10\uc815\uc774 \uc544\ub2cc \u2018\uc6d0\uce59\u2019\uc73c\ub85c \ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4.<\/td><\/tr><tr><td>\uc775\uc808<\/td><td>\uc218\uc775\uc774 \ub0ac\uc744 \ub54c \uc695\uc2ec \ubd80\ub9ac\uc9c0 \uc54a\uace0 \uc801\ub2f9\ud55c \uc120\uc5d0\uc11c \ud30c\ub294 \uac83\uc744 \ub9d0\ud574\uc694. \ucd08\ubcf4\uc77c\uc218\ub85d \uc775\uc808 \uae30\uc900\uc744 \ubbf8\ub9ac \uc815\ud558\ub294 \uac8c \uc88b\uc544\uc694.<\/td><\/tr><tr><td>\ubcc0\ub3d9\uc131<\/td><td>\uc8fc\uac00\uac00 \uc5bc\ub9c8\ub098 \ub9ce\uc774 \uc624\ub974\ub0b4\ub9ac\ub294\uc9c0\ub97c \ub73b\ud574\uc694. \ubcc0\ub3d9\uc131\uc774 \ud06c\uba74 \uc218\uc775 \uae30\ud68c\ub3c4 \ud06c\uc9c0\ub9cc, \uc704\ud5d8\ub3c4 \ud07d\ub2c8\ub2e4.<\/td><\/tr><tr><td>\uc7a5\uae30\ud22c\uc790<\/td><td>\uc9e7\uac8c \uc0ac\uace0\ud30c\ub294 \uac8c \uc544\ub2c8\ub77c, \uc88b\uc740 \uae30\uc5c5\uc744 \uace8\ub77c \uc624\ub7ab\ub3d9\uc548 \ubcf4\uc720\ud558\ub294 \ud22c\uc790 \ubc29\uc2dd\uc774\uc5d0\uc694.\ucd08\ubcf4\uc790\uc5d0\uac8c \uac00\uc7a5 \uc548\uc815\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\uc790\uc8fc\ud558\ub294 \uc9c8\ubb38 (F&amp;Q)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Q1. ISA \uacc4\uc88c \ube44\uad50: \ud1a0\uc2a4 vs \ud0a4\uc6c0 vs \ub098\ubb34<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A1. \ud1a0\uc2a4\uc99d\uad8c ISA \u2013 \ucd08\ubcf4\uc790\uc5d0\uac8c \uac00\uc7a5 \uc26c\uc6b4 \uc120\ud0dd<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud0a4\uc6c0\uc99d\uad8c\uc740 \uad6d\ub0b4 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc218\uc218\ub8cc \uacbd\uc7c1\ub825\uc774 \ub9e4\uc6b0 \uc88b\ub2e4\ub294 \ud3c9\uac00\ub97c \ubc1b\ub294 \uacf3\uc785\ub2c8\ub2e4. \ud2b9\ud788 ISA \uacc4\uc88c\uc5d0\uc11c\ub3c4 \uac70\ub798 \ube44\uc6a9\uc774 \ub0ae\uc740 \ud3b8\uc774\uc5d0\uc694.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub098\ubb34 ISA\ub294 \uc911\uac04 \uc131\ud5a5\uc774\uc5d0\uc694. \uc571\ub3c4 \ube44\uad50\uc801 \uc4f0\uae30 \uc26c\uc6b4 \ud3b8\uc774\uace0, \uc774\ubca4\ud2b8\/\ucd08\ubcf4 \ud61c\ud0dd\uc774 \ub2e4\ub978 \ub300\ud615\uc0ac\uc5d0 \ube44\ud574 \uc790\uc8fc \ub098\uc624\ub294 \ud3b8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac \uae00<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd\uc740 \ub2e8\uae30\uac04\uc5d0 \ud070\ub3c8\uc744 \ubc84\ub294 \uae30\uc220\uc774 \uc544\ub2c8\ub77c \uc2dc\uac04\uc744 \ub4e4\uc5ec \uc775\uc219\ud574\uc9c0\ub294 \ud558\ub098\uc758 \uc2b5\uad00\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4. \ucc98\uc74c\uc5d0\ub294 \ub9e4\uc218\uc640 \ub9e4\ub3c4\uc758 \ucc28\uc774\uc870\ucc28 \ud5f7\uac08\ub9b4 \uc218 \uc788\uace0, \uc22b\uc790 \ud558\ub098\ud558\ub098\uac00 \ubd80\ub2f4\uc2a4\ub7fd\uac8c \ub290\uaef4\uc9c8 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae30\ubcf8 \uac1c\ub150\uc744 \ucc28\uadfc\ucc28\uadfc \uc774\ud574\ud558\ub2e4 \ubcf4\uba74 \uc5b4\ub290 \uc21c\uac04 \ub274\uc2a4\uac00 \ub208\uc5d0 \ub4e4\uc5b4\uc624\uace0, \uc8fc\uc2dd \uc774\uc57c\uae30\uac00 \ub354 \uc774\uc0c1 \uc5b4\ub835\uac8c \ub290\uaef4\uc9c0\uc9c0 \uc54a\uac8c \ub429\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc644\ubcbd\ud558\uac8c \uc544\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc870\uae08\uc529 \uc774\ud574\ud558\uba70 \uacbd\ud5d8\uc744 \uc313\uc544\uac00\ub294 \uac83\uc785\ub2c8\ub2e4. \uc624\ub298 \uc774 \uae00\uc774 \uc8fc\uc2dd\uc744 \ub450\ub824\uc6c0\uc774 \uc544\ub2cc \uc774\ud574\uc758 \ub300\uc0c1\uc73c\ub85c \ubc14\ub77c\ubcf4\ub294 \ucd9c\ubc1c\uc810\uc774 \ub418\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc8fc\uc2dd\uc744 \ucc98\uc74c \uc811\ud558\uba74 \ub204\uad6c\ub098 \ub9c9\uc5f0\ud55c \ub450\ub824\uc6c0\uc744 \ub290\ub07c\uac8c \ub429\ub2c8\ub2e4. \uc6a9\uc5b4\ub294 \uc5b4\ub835\uace0, \uc22b\uc790\ub294 \ubcf5\uc7a1\ud574 \ubcf4\uc774\uba70, \uad1c\ud788 \uc798\ubabb \ud22c\uc790\ud588\ub2e4\uac00 \uc190\ud574\ub97c \ubcfc\uae4c \uac71\uc815\ubd80\ud130 \uc55e\uc11c\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc8fc\uc2dd\uc740 \ud2b9\ubcc4\ud55c \uc0ac\ub78c\ub9cc \ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uae30\ubcf8 \uac1c\ub150\ub9cc&#8230; <\/p>\n","protected":false},"author":1,"featured_media":12,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-10","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4"],"_links":{"self":[{"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/posts\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10"}],"version-history":[{"count":1,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/posts\/10\/revisions"}],"predecessor-version":[{"id":13,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/posts\/10\/revisions\/13"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/ddongjongi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ddongjongi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}