{"id":228,"date":"2025-10-16T20:36:00","date_gmt":"2025-10-16T20:36:00","guid":{"rendered":"https:\/\/usthefinance.com\/why-understanding-taxes-can-boost-investment-returns\/"},"modified":"2025-10-16T20:36:13","modified_gmt":"2025-10-16T20:36:13","slug":"why-understanding-taxes-can-boost-investment-returns","status":"publish","type":"post","link":"https:\/\/usthefinance.com\/ko\/why-understanding-taxes-can-boost-investment-returns\/","title":{"rendered":"\uc138\uae08\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc774\uc720"},"content":{"rendered":"

<\/p>\n

\ub204\uad6c\ub098 \uc790\uc2e0\uc758 \uc790\uc0b0\uc774 \ubd88\uc5b4\ub098\uae30\ub97c \ubc14\ub77c\uc9c0\ub9cc, \uc138\uae08\uc774 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc2e4\uc81c\ub85c \ucd95\uc801\ub418\ub294 \ubd80\uc5d0 \uc5bc\ub9c8\ub098 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \uc81c\ub300\ub85c \uc544\ub294 \uc0ac\ub78c\uc740 \ub4dc\ubb45\ub2c8\ub2e4. \ub450 \uc0ac\ub78c\uc774 \ube44\uc2b7\ud55c \ud22c\uc790\ub97c \ud558\ub354\ub77c\ub3c4 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uba74 \ud22c\uc790 \uc218\uc775\ub960\uc774 \uadf9\uba85\ud558\uac8c \ub2ec\ub77c\uc9c0\ub294 \uac83\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucc98\uc74c\uc5d0\ub294 \uadf8 \ucc28\uc774\uac00 \ub208\uc5d0 \ub744\uc9c0 \uc54a\uc744 \uc218 \uc788\uc9c0\ub9cc, \ub204\uc801\ub418\uba74 \uadf8 \uc601\ud5a5\uc740 \ube60\ub974\uac8c \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc774 \uc8fc\uc81c\ub294 \uc740\ud1f4 \uacc4\uc88c, \uc99d\uad8c \uacc4\uc88c, \ub610\ub294 \ub2e8\uc21c \uc800\ucd95 \ub4f1 \uc5b4\ub5a4 \ubc29\uc2dd\uc73c\ub85c\ub4e0 \ubbf8\uad6d\uc5d0\uc11c \ud22c\uc790\ud558\uac70\ub098 \uc800\ucd95\ud558\ub294 \ubaa8\ub4e0 \uc0ac\ub78c\uc5d0\uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \uc138\uae08\uc740 \uc21c\uc774\uc775\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \uc138\uae08\uc774 \uc5b8\uc81c, \uc5b4\ub514\uc11c, \uc5b4\ub5bb\uac8c \ubd80\uacfc\ub418\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc740 \uc2e4\uc81c\ub85c \uc190\uc5d0 \ub4e4\uc5b4\uc624\ub294 \uae08\uc561\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \uc138\uae08\uc5d0 \ub300\ud55c \uc9c0\uc2dd\uc744 \uac16\ucd94\ub294 \uac83\uc740 \uc5b4\ub5a4 \uacbd\uc81c \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ud22c\uc790 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud558\ub294 \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n

\uacc4\uc18d \uc77d\uc5b4\ubcf4\uc2dc\uba74 \uacbd\ud5d8 \uc218\uc900\uc5d0 \uad00\uacc4\uc5c6\uc774 \ud22c\uc790 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\uace0 \ud22c\uc790\uae08\uc744 \ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc2e4\uc6a9\uc801\uc778 \uc804\ub7b5, \uad00\ub828 \uaddc\uce59, \uacf5\uac10\ud560 \uc218 \uc788\ub294 \uc0ac\ub840\ub97c \ucc3e\uc73c\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc62c\ubc14\ub978 \ud22c\uc790 \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\uba74 \ud22c\uc790 \uc218\uc775\uc774 \ubc30\uac00\ub429\ub2c8\ub2e4<\/h2>\n

\uacc4\uc88c \uc120\ud0dd\uc740 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ub2f4\ub294 \uc6a9\uae30\uac00 \uc544\ub2d9\ub2c8\ub2e4. \uacc4\uc88c\ub294 \uc138\uae08 \uaddc\uc815\uc758 \uc9d1\ud569\uccb4\uc774\uba70, \uc774\ub7ec\ud55c \uaddc\uc815\uc740 \ud22c\uc790 \uc218\uc775\uc758 \ud615\ud0dc\ub97c \ubc14\uafc9\ub2c8\ub2e4. \uc62c\ubc14\ub978 \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\uba74 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud574 \ub354 \ub9ce\uc740 \uc790\uae08\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc77c\ubd80 \uacc4\uc88c\ub294 \uc138\uae08 \ub0a9\ubd80\ub97c \uc5f0\uae30\ud560 \uc218 \uc788\uac8c \ud574\uc8fc\uace0, \ub2e4\ub978 \uacc4\uc88c\ub294 \uc218\uc775\uc5d0 \ub300\ud55c \uc138\uae08\uc744 \uba74\uc81c\ud574 \uc8fc\uba70, \ub610 \ub2e4\ub978 \uc77c\ubd80\ub294 \uc138\uae08\uc744 \uc120\ub0a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uacfc\uc138 \ub300\uc0c1 \uc99d\uad8c \uacc4\uc88c, \uc77c\ubc18 IRA, \ub610\ub294 \ub85c\uc2a4 IRA \uc911\uc5d0\uc11c \uc5b4\ub5a4 \uacc4\uc88c\ub97c \uc120\ud0dd\ud560\uc9c0 \uc815\ud655\ud788 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc77c\uc0c1\uc0dd\ud65c\uc5d0\uc11c \ub85c\uc2a4 IRA \uc138\uae08 \ud61c\ud0dd\uc744 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95<\/h3>\n

\ub9e4\ub144 1,446,000\ub2ec\ub7ec\ub97c \ub85c\uc2a4 IRA\uc5d0 \uc608\uce58\ud558\ub294 \uc0ac\ub78c\uc740 \uc5f0\ubc29\uc138 \uc5c6\uc774 \ud22c\uc790 \uc218\uc775\uc774 \ubd88\uc5b4\ub098\ub294 \uac83\uc744 \uc9c0\ucf1c\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. 30\uc138\uc758 \uc0ac\ub77c\uac00 \uc790\uc2e0\uc758 \ud22c\uc790 \uc794\uc561\uc774 \ubcf5\ub9ac\ub85c \ubd88\uc5b4\ub098\ub294 \uac83\uc744 \ubcf4\ub294 \ubaa8\uc2b5\uc744 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \uadf8\ub140\ub294 \ubc8c\uc5b4\ub4e4\uc778 \ubaa8\ub4e0 \ub3c8\uc774 \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \uc790\uc2e0\uc758 \uc18c\uc720\ub85c \ub0a8\ub294\ub2e4\ub294 \uc0ac\uc2e4\uc5d0 \ubbf8\uc18c\ub97c \uc9d3\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub9cc\uc57d \uc0ac\ub77c\uac00 \uc77c\ubc18 \uc99d\uad8c \uacc4\uc88c\ub97c \uc120\ud0dd\ud588\ub354\ub77c\uba74, \uc138\uae08 \uc2e0\uace0 \uc2dc\uc810\uc5d0 \uadf8\ub140\uc758 \uc5bc\uad74\uc740 \uc2e4\ub9dd\uac10\uc73c\ub85c \uac00\ub4dd \ucc3c\uc744\uc9c0\ub3c4 \ubaa8\ub985\ub2c8\ub2e4. \uc774\uc81c \uadf8\ub140\uc758 \uc790\ubcf8 \uc774\ub4dd\uacfc \ubc30\ub2f9\uae08\uc740 \ub9e4\ub144 \uacfc\uc138 \ub300\uc0c1\uc774 \ub418\uc5b4, \uadf8\ub140\uac00 \ub3c8\uc744 \uc4f0\uae30\ub3c4 \uc804\uc5d0 \ud22c\uc790 \uc218\uc775\uc774 \uc11c\uc11c\ud788 \uc904\uc5b4\ub4e4\uace0 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\ub9e4\ub144 \uc138\uae08\uc744 \ub0a9\ubd80\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub2e4\ub294 \uc810 \ub54c\ubb38\uc5d0 \ub85c\uc2a4 IRA\ub294 \uc7a5\uae30 \ud22c\uc790\uc5d0 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc774\uba70, \ud2b9\ud788 \ud604\uc7ac \uc138\uc728\uc774 \uc740\ud1f4 \ud6c4 \uc138\uc728\uacfc \ube44\uc2b7\ud558\uac70\ub098 \ub0ae\uc744 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \uc9c0\uc18d\uc801\uc778 \uc790\uc0b0 \ucd95\uc801\uc744 \uc704\ud574 \uace0\ub824\ud574 \ubcfc \ub9cc\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n

\uc804\ud1b5 IRA\uc640 \uc138\uae08 \uc720\uc608 \ub17c\ub9ac<\/h3>\n

\ub098\uc911\uc5d0 \ub354 \ub0ae\uc740 \uc138\uc728 \uad6c\uac04\uc5d0 \uc18d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud558\ub294 \ud14c\ub4dc\ub294 \uc804\ud1b5\uc801\uc778 IRA\ub97c \uc120\ud0dd\ud569\ub2c8\ub2e4. \uadf8\ub294 \ub0a9\uc785\uae08\uc744 \uacf5\uc81c\ubc1b\uace0 \ud22c\uc790 \uc218\uc775\uc740 \uc138\uae08 \ub0a9\ubd80\ub97c \uc720\uc608\ud558\uba74\uc11c \ubd88\uc5b4\ub0a9\ub2c8\ub2e4. \uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc790\uae08\uc744 \uc778\ucd9c\ud560 \ub54c \uc138\uae08\uc744 \ub0a9\ubd80\ud558\uba70, \uc774\ub54c \ub354 \ub0ae\uc740 \uc138\uc728\uc774 \uc801\uc6a9\ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \ubc29\ubc95\uc774 \ud56d\uc0c1 \ucd5c\uc120\uc740 \uc544\ub2c8\uc9c0\ub9cc, \ud604\uc7ac \uc138\uae08\uc744 \uc904\uc774\uace0 \ubbf8\ub798 \uc18c\ub4dd\uc774 \uac10\uc18c\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4\uba74 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ud604\uc7ac\uc758 \uc138\uae08 \uc808\uac10\uc561\uc744 \ud22c\uc790\uc5d0 \ud65c\uc6a9\ud558\uba74 \uc7a5\uae30\uc801\uc73c\ub85c \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud14c\ub4dc\uc758 \uacbd\ud5d8\uc740 \ubbf8\ub798\uc758 \ud544\uc694, \uc138\uae08 \uc0c1\ud669, \uadf8\ub9ac\uace0 \uacc4\uc88c \uc720\ud615\uc744 \uc544\ub294 \uac83\uc774 \uc18c\ub4dd\uc758 \ub354 \ub9ce\uc740 \ubd80\ubd84\uc744 \ubcf4\uc874\ud558\ub294 \ub370 \uc5bc\ub9c8\ub098 \ub3c4\uc6c0\uc774 \ub418\ub294\uc9c0 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc989\uc2dc \uacf5\uc81c \ud61c\ud0dd\uc740 \uc624\ub298\ub0a0 \ud22c\uc790\ub97c \ub354\uc6b1 \uc800\ub834\ud558\uac8c \ub9cc\ub4e4\uc5b4 \uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n\n
\uacc4\uc815 \uc720\ud615<\/th>\n\uae30\ubd80\uae08\uc5d0 \ub300\ud55c \uc138\uae08<\/th>\n\uc774\ub4dd\uc138<\/th>\n\ucd9c\uae08 \uaddc\uc815<\/th>\n\ud14c\uc774\ud06c\uc544\uc6c3<\/th>\n<\/tr>\n<\/thead>\n
\uacfc\uc138 \ub300\uc0c1 \uc911\uac1c \uc218\uc218\ub8cc<\/td>\n\uc544\ub2c8\uc694<\/td>\n\uc608 (\ub9e4\ub144)<\/td>\n\uc5b8\uc81c\ub4e0, \ub098\uc774\uc5d0 \uc0c1\uad00\uc5c6\uc774<\/td>\n\uc720\uc5f0\ud558\uc9c0\ub9cc \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \ud6a8\uc728\uc131\uc774 \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4.<\/td>\n<\/tr>\n
\uc804\ud1b5\uc801 IRA<\/td>\n\uc138\uc804 (\uacf5\uc81c \uac00\ub2a5)<\/td>\n\uc544\ub2c8\uc694 (\ucca0\ud68c \uc804\uae4c\uc9c0)<\/td>\n59.5\uc138 \uc774\uc0c1, \uc18c\ub4dd\uc73c\ub85c \uacfc\uc138\ub428<\/td>\n\ud604\uc7ac \uc138\uae08 \uac10\uba74\uc5d0 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.<\/td>\n<\/tr>\n
\ub85c\uc2a4 IRA<\/td>\n\uc138\ud6c4<\/td>\n\uc5c6\uc74c<\/td>\n59.5\uc138 \uc774\uc0c1; \uc790\uaca9 \uc694\uac74 \ucda9\uc871 \uc2dc \uc138\uae08 \uba74\uc81c<\/td>\n\ud5a5\ud6c4 \uc138\uae08 \uc5c6\uc774 \uc790\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \ub370 \uac00\uc7a5 \uc801\ud569\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n
401(k)<\/td>\n\uc138\uc804<\/td>\n\uc5f0\uae30\ub428<\/td>\n59.5\uc138 \uc774\uc0c1; \uc778\ucd9c \uc2dc \uacfc\uc138<\/td>\n\ub9e4\uce6d \uae30\uc5ec\uae08\uc740 \uc218\uc775\ub960\uc744 \ub192\uc5ec\uc90d\ub2c8\ub2e4.<\/td>\n<\/tr>\n
HSA(\ubcf4\uac74)<\/td>\n\uc138\uc804<\/td>\n\uac74\uac15 \ubaa9\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \uacbd\uc6b0 \uc5c6\uc74c<\/td>\n\uc5b8\uc81c\ub4e0\uc9c0 \uc0ac\uc6a9 \uac00\ub2a5; \uac74\uac15 \ubaa9\uc801 \uc774\uc678\uc758 \uc6a9\ub3c4\ub85c \uc0ac\uc6a9\ud560 \uacbd\uc6b0 \ucc98\ubc8c \uc870\ud56d \uc801\uc6a9<\/td>\n\uac74\uac15\uacfc \uc740\ud1f4 \uc0dd\ud65c\uc5d0 \ub2e4\uc6a9\ub3c4\ub85c \ud65c\uc6a9 \uac00\ub2a5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc77c\uc0c1 \uc18d \uc791\uc740 \uacb0\uc815\ub4e4\uc774 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\uace0 \uc21c\uc774\uc775\uc744 \ub298\ub824\uc90d\ub2c8\ub2e4<\/h2>\n

\uc138\uae08\uc744 \uace0\ub824\ud55c \ud22c\uc790\ub97c \uafb8\uc900\ud788 \ud558\uba74 \ucd1d\uc218\uc775\ubfd0 \uc544\ub2c8\ub77c \ud22c\uc790 \uc218\uc775\ub960\uae4c\uc9c0 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud380\ub4dc \uc120\ud0dd\uc774\ub098 \ub9e4\ub3c4 \uc2dc\uc810\uacfc \uac19\uc740 \uc77c\uc0c1\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc740 \uc989\uac01\uc801\uc774\uace0 \ub204\uc801\uc801\uc778 \uc138\uae08 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n

\uc18c\ub4dd \uad00\ub9ac, \uacf5\uc81c \ud56d\ubaa9 \uc815\ub9ac, \uadf8\ub9ac\uace0 \uc138\uae08 \ud6a8\uc728\uc801\uc778 \uc790\uc0b0 \uc120\ud0dd\uc744 \ud1b5\ud574 \uc138\uae08 \ub0a9\ubd80 \uc2dc\uae30\uc640 \uae08\uc561\uc744 \uc870\uc808\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uce58 \uc2dd\ubb3c\uc5d0 \ubb3c\uc744 \uc8fc\ub294 \uc2dc\uae30\ub97c \uc870\uc808\ud558\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc801\uc808\ud55c \uc2dc\uae30\uc5d0 \ubb3c\uc744 \uc8fc\uba74 \uc78e\uc774 \ub354 \ub9ce\uc774 \uc790\ub77c\uc9c0\ub9cc, \uc2dc\uae30\uac00 \ub9de\uc9c0 \uc54a\uc73c\uba74 \uc131\uc7a5\uc774 \uba48\ucda5\ub2c8\ub2e4.<\/p>\n

\ub9e4\ub3c4, \ub300\uae30, \ubcf4\uc720: \uc138\uae08 \uc804\ub7b5\uc758 \uc2e4\uc81c \uc801\uc6a9 \uc0ac\ub840<\/h3>\n

\uc81c\uc778\uc740 12\uc6d4\uc5d0 \uc8fc\uc2dd\uc744 \ub9e4\ub3c4\ud558\uae30\ub85c \uacb0\uc815\ud588\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\uc744 1\ub144 \uc774\uc0c1 \ubcf4\uc720\ud55c \ud6c4 \ubc1c\uc0dd\ud55c \uc774\uc775\uc774\ubbc0\ub85c, \uc7a5\uae30 \uc790\ubcf8 \uc774\ub4dd\uc5d0 \ub300\ud55c \ub0ae\uc740 \uc138\uc728\uc744 \uc801\uc6a9\ubc1b\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc81c\uc778\uc758 \uc774\ub7ec\ud55c \uacb0\uc815\uc740 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc5ec \uc21c \ud22c\uc790 \uc218\uc775\uc744 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4.<\/p>\n

\ub0b4\ub144\uc5d0 \uc81c\uc778\uc740 \uc190\uc2e4\uc744 \uc774\uc6a9\ud574 \uc218\uc775\uc744 \uc0c1\uc1c4\ud558\ub294 \uc138\uae08 \uc190\uc2e4 \uc0c1\uc1c4(tax loss harvesting)\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc190\uc2e4\uc744 \ubcf4\ub294 \ud22c\uc790\ub97c \ub9e4\uac01\ud568\uc73c\ub85c\uc368 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\uace0, \uc808\uc57d\ud55c \uae08\uc561\uc744 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uc7ac\ud22c\uc790\ud558\uc5ec \uc7a5\uae30\uc801\uc73c\ub85c \ud22c\uc790 \uc218\uc775\ub960\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \n
  • \ub9e4\ub3c4\ud558\uae30 \uc804\uc5d0 \ubcf4\uc720 \uae30\uac04\uc744 \uac80\ud1a0\ud558\uc5ec \uc7a5\uae30 \uae08\ub9ac\ub97c \ud655\ubcf4\ud558\uba74 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/li>\n
  • \uc790\uc120 \uae30\ubd80\uc640 \uc8fc\uc2dd \uc2dc\uc138\ub97c \ud568\uaed8 \uace0\ub824\ud558\uba74 \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \uc644\uc804\ud788 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
  • \uc138\uae08 \uc808\uac10\uc561\uc744 \uc989\uc2dc \uc7ac\ud22c\uc790\ud558\uc5ec \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uc9c0\uc18d\ud558\uc138\uc694.<\/li>\n
  • \uc218\ud655\ub7c9 \uc190\uc2e4\uc740 \uac10\uc815\uc801\uc73c\ub85c\uac00 \uc544\ub2c8\ub77c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uc5ec \ub9e4\ub144 \ub2e4\ub978 \uc774\uc775\uacfc \uc0c1\uc1c4\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
  • \uacfc\uc138 \uc18c\ub4dd \ud55c\ub3c4\ub97c \ub9e4\ub144 \ud655\uc778\ud558\uc138\uc694. \uc18c\ub4dd\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uacf5\uc81c \ud56d\ubaa9\uc774 \uc904\uc5b4\ub4dc\ub294 \uacbd\uc6b0\uac00 \ud754\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

    \uc774\ub7ec\ud55c \ud589\ub3d9\ub4e4\uc744 \uafb8\uc900\ud788 \uc2e4\ucc9c\ud558\uba74, \ubaa8\ub4e0 \ub9e4\ub9e4\ub098 \uad50\ud658\uc774 \uc138\uae08\uc73c\ub85c \uc778\ud574 \ud22c\uc790 \uc218\uc775\uc774 \uc870\uc6a9\ud788 \uae4e\uc5ec\ub098\uac00\ub294 \uac83\uc744 \ub9c9\uace0 \ub354 \ud070 \uc7ac\uc815\uc801 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ud604\uba85\ud55c \ud22c\uc790\uc790\ub97c \uc704\ud55c \uc138\uae08 \ud6a8\uc728\uc801\uc778 \ud380\ub4dc \uc635\uc158<\/h3>\n

    \uad11\ubc94\uc704\ud55c \uc2dc\uc7a5 \uc9c0\uc218 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uba74 \uc138\uae08 \ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud380\ub4dc\ub294 \ud68c\uc804\uc728\uc774 \ub0ae\uc544 \uacfc\uc138 \ub300\uc0c1 \uac70\ub798\uac00 \uc801\uac8c \ubc1c\uc0dd\ud558\ubbc0\ub85c, \uacfc\uc138 \uacc4\uc88c\uc640 \uc740\ud1f4 \uacc4\uc88c \ubaa8\ub450\uc5d0\uc11c \ud22c\uc790 \uc218\uc775\uc774 \ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ubc1c\ud718\ud569\ub2c8\ub2e4.<\/p>\n

    \uc138\uae08 \uad00\ub9ac\ud615 \ubba4\ucd94\uc5bc \ud380\ub4dc \ub610\ub294 ETF\ub294 \ubd84\ubc30\uae08 \ucc98\ub9ac \ubc29\uc2dd\uc5d0\ub3c4 \uc8fc\uc758\ub97c \uae30\uc6b8\uc785\ub2c8\ub2e4. \ubd84\ubc30\uae08\uc5d0 \ubbfc\uac10\ud55c \ud380\ub4dc\ub294 \uc758\ub3c4\uce58 \uc54a\uac8c \uc5f0\uac04 \uc138\uae08 \ubd80\ub2f4\uc744 \ub298\ub9ac\ub294 \uac83\uc744 \ubc29\uc9c0\ud558\uc5ec \uc21c \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

      \n
    • \ud68c\uc804\uc728\uc774 \ub0ae\uace0 \uc138\uae08 \ud6a8\uc728\uc131\uc774 \ub0b4\uc7ac\ub41c \uc778\ub371\uc2a4 \ud380\ub4dc\ub97c \uace0\ub824\ud574 \ubcf4\uc138\uc694.<\/li>\n
    • \uac00\ub2a5\ud558\uba74 ETF\ub97c \uc120\ud0dd\ud558\uc138\uc694. "\ud604\ubb3c \ud658\ub9e4"\ub97c \ud1b5\ud574 \ub300\ubd80\ubd84\uc758 \ud22c\uc790\uc790\ub294 \uc138\uae08\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \ud380\ub4dc\ub97c \uc120\ud0dd\ud560 \ub54c\ub294 \ucd1d \uc218\uc775\ub960\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc138\ud6c4 \uc218\uc775\ub960\uacfc \uc138\uc804 \uc218\uc775\ub960\uc744 \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
    • \uc138\uae08 \uad00\ub9ac \ub610\ub294 \ub0ae\uc740 \ubc30\ub2f9\uae08 \uc9c0\uae09\uc5d0 \ub300\ud55c \uc5b8\uae09\uc774 \uc788\ub294 \uc124\uba85\uc744 \ucc3e\uc544\ubcf4\uc138\uc694.<\/li>\n
    • \ud380\ub4dc\uc758 \uc138\uae08 \uad00\ub828 \uc2e4\uc801\uc744 \ucd5c\uc18c\ud55c 1\ub144\uc5d0 \ud55c \ubc88 \uc7ac\ud3c9\uac00\ud558\uc5ec \uc870\uc815\ud558\uc2ed\uc2dc\uc624.<\/li>\n<\/ul>\n

      \uc774\ub7ec\ud55c \uc120\uc815 \uae30\uc900\uc744 \uc77c\uad00\ub418\uac8c \uc801\uc6a9\ud568\uc73c\ub85c\uc368 \ud22c\uc790\ub41c \ubaa8\ub4e0 \ub2ec\ub7ec\ub294 \ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \ud65c\uc6a9\ub418\uace0, \uc5f0\uac04 \uc138\uae08\uc73c\ub85c \ube60\uc838\ub098\uac00\ub294 \uae08\uc561\uc740 \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uafb8\uc900\ud55c \uc9d1\uc911\uc740 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud22c\uc790 \uc218\uc775\uc744 \ub208\uc5d0 \ub744\uac8c \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4.<\/p>\n

      \ud604\uba85\ud55c \uc778\ucd9c \uc804\ub7b5\uc73c\ub85c \ub354 \ub9ce\uc740 \uc218\uc775\uc744 \uc720\uc9c0\ud558\uc138\uc694<\/h2>\n

      \uc804\ub7b5\uc801\uc778 \uc790\uae08 \uc778\ucd9c\uc740 \ud604\uba85\ud55c \ud22c\uc790\ub9cc\ud07c\uc774\ub098 \uc911\uc694\ud569\ub2c8\ub2e4. \ud2b9\uc815 \uacc4\uc88c\uc5d0\uc11c \uc801\uc808\ud55c \uc21c\uc11c\ub85c \uc790\uae08\uc744 \uc778\ucd9c\ud558\uba74 \uc18c\ub4dd\uc138\ub97c \uc904\uc774\uace0 \ub192\uc740 \ud22c\uc790 \uc218\uc775\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc778\ucd9c \uacc4\ud68d\uc744 \uc138\uc6b0\uba74 \uc18c\ub4dd\uc744 \uace0\ub974\uac8c \ubd84\uc0b0\ud558\uace0, \uac12\ube44\uc2fc \ubc8c\uae08\uc744 \ud53c\ud558\uba70, \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \uc624\ub7ab\ub3d9\uc548 \uc138\uae08 \ud61c\ud0dd\uc744 \ubc1b\ub294 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ucd5c\ub300 \ud6a8\uc728\uc744 \uc704\ud574 \uc778\ucd9c \uc21c\uc11c\ub97c \uc815\ud558\uc138\uc694<\/h3>\n

      \uc740\ud1f4\ub97c \uc55e\ub454 \ub370\uc774\ube44\ub4dc\ub294 \uacfc\uc138 \ub300\uc0c1\uc778 \uc99d\uad8c \uacc4\uc88c\uc5d0\uc11c \uba3c\uc800 \uc790\uae08\uc744 \uc778\ucd9c\ud558\uc5ec IRA\uc640 Roth \uacc4\uc88c\uc5d0 \ub354 \uc624\ub798 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc790\uc0b0\uc774 \ubd88\uc5b4\ub0a0 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \ub9e4\ub144 \uc774\ub7ec\ud55c \ube44\uacfc\uc138 \uacc4\uc88c\uc5d0\uc11c \ud22c\uc790 \uc218\uc775\uc774 \ubcf5\ub9ac\ub85c \uc99d\uac00\ud569\ub2c8\ub2e4.<\/p>\n

      \uacfc\uc138 \ub300\uc0c1 \uc790\uae08\uc774 \uc18c\uc9c4\ub418\uba74 \ub370\uc774\ube44\ub4dc\ub294 \ub2e4\uc74c\uc73c\ub85c \uc77c\ubc18 IRA\uc5d0\uc11c \uc790\uae08\uc744 \uc778\ucd9c\ud569\ub2c8\ub2e4. \uc774\ub54c\ucbe4\uc774\uba74 \uadf8\ub294 \ub354 \ub0ae\uc740 \uc138\uc728 \uad6c\uac04\uc5d0 \uc18d\ud558\uac8c \ub418\uba70, \uc778\ucd9c\ud560 \ub54c\ub9c8\ub2e4 \ub098\uc911\uc5d0 \ub0a9\ubd80\ud574\uc57c \ud558\ub294 \ucd5c\uc18c \uc758\ubb34 \uc778\ucd9c\uc561\uc774 \uc904\uc5b4\ub4e4\uc5b4 \ud3c9\uc0dd \uc218\uc775\ub960\uc744 \uc870\uc6a9\ud788 \ub192\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n

      \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ub85c\uc2a4 IRA\ub294 \uac00\uc7a5 \ub9c8\uc9c0\ub9c9\uc5d0 \ubc30\uce58\ud558\uc5ec \ud22c\uc790 \uc218\uc775\uc5d0 \ub300\ud55c \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uacc4\uc18d\ud574\uc11c \ub204\uc801\ub418\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc21c\uc11c\ub294 \ud3c9\uc0dd \uc138\uae08\uc744 \uc904\uc5ec\uc8fc\uace0, \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \uc0c1\ub2f9\ud55c \uc0c1\uc18d \uc7ac\uc0b0\uc744 \ub0a8\uaca8\uc90d\ub2c8\ub2e4.<\/p>\n

      \uacc4\uc88c \uaddc\uce59\uc744 \uc219\uc9c0\ud558\uc5ec \ubc8c\uae08 \ubc0f \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc744 \ucd5c\uc18c\ud654\ud558\uc138\uc694.<\/h3>\n

      \ubaa8\ub4e0 \uacc4\uc88c\uc5d0\ub294 \ud568\uc815\uc774 \uc788\uc2b5\ub2c8\ub2e4. 59.5\uc138 \uc774\uc804\uc5d0 \uc740\ud1f4 \uacc4\uc88c\uc5d0\uc11c \uc790\uae08\uc744 \uc778\ucd9c\ud558\uba74 \ucd5c\ub300 10%\uc758 \ubc8c\uae08\uacfc \uc77c\ubc18 \uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uce59\uc744 \uc219\uc9c0\ud558\uba74 \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub5a8\uc5b4\ub728\ub9ac\uc9c0 \uc54a\uace0 \uc790\uae08\uc744 \uc778\ucd9c\ud560 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      73\uc138\ubd80\ud130 \uc2dc\uc791\ub418\ub294 \uc758\ubb34 \ucd5c\uc18c \ubd84\ubc30\uae08(RMD)\uc744 \uac04\uacfc\ud558\uc9c0 \ub9c8\uc138\uc694. \uc774\ub97c \ub193\uce58\uba74 \ud53c\ud560 \uc218 \uc788\ub294 \ub9c9\ub300\ud55c \ubc8c\uae08\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5 \uc5f0\uae08\uc774\ub098 \ud1f4\uc9c1 \uc5f0\uae08 \uc18c\ub4dd\uacfc \ud568\uaed8 RMD\ub97c \ubd84\ubc30\ubc1b\uc73c\uba74 \uc5f0\uac04 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ub300\uaddc\ubaa8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc6b4\uc6a9\ud560 \ub54c\ub294 \uc5f0\uac04 \uc18c\uaddc\ubaa8 \uac80\ud1a0\ub97c \ud1b5\ud574 \uc790\uae08\uc744 \uc804\ud658\ud560 \uae30\ud68c\ub97c \ud3ec\ucc29\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc18c\ub4dd\uc774 \ub0ae\uc740 \ud574\uc5d0\ub294 \uc77c\ubc18 IRA\ub97c \ub85c\uc2a4 IRA\ub85c \uc804\ud658\ud558\uc5ec \uc7a5\uae30\uc801\uc73c\ub85c \uc138\uae08 \ud6a8\uc728\uc801\uc778 \uc131\uc7a5\uc744 \ub354\uc6b1 \ucd09\uc9c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc704\uce58\uac00 \uc911\uc694\ud569\ub2c8\ub2e4: \uc790\uc0b0 \ubc30\uce58\ub294 \uacbd\uc7c1 \uc6b0\uc704\ub97c \ud655\ubcf4\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4<\/h2>\n

      \uc790\uc0b0\uc774 \uc5b4\ub514\uc5d0 \uc788\ub294\uc9c0 \uc544\ub294 \uac83\uc740 \ub0a9\ubd80\ud558\ub294 \uc138\uae08 \uc561\uc218\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc720\ud615\uc758 \ud22c\uc790\ub97c \uc801\uc808\ud55c \uacc4\uc88c\uc5d0 \ubc30\uce58\ud558\ub294 \uac83\uc744 '\uc790\uc0b0 \ubc30\ubd84'\uc774\ub77c\uace0 \ud558\uba70, \uc774\ub294 \uc704\ud5d8\uc744 \ub298\ub9ac\uc9c0 \uc54a\uace0\ub3c4 \ub354 \ub192\uc740 \ud22c\uc790 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n

      \ucc44\uad8c \ud380\ub4dc\ucc98\ub7fc \uc138\uae08 \ud6a8\uc728\uc131\uc774 \ub0ae\uc740 \ud22c\uc790\ub294 \ub192\uc740 \uc138\uc728\ub85c \uacfc\uc138\ub418\ub294 \uc815\uae30\uc801\uc778 \uc18c\ub4dd\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\ubbc0\ub85c IRA\ub098 401(k) \uacc4\uc88c\uc5d0 \ubcf4\uad00\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc138\uae08 \ud6a8\uc728\uc131\uc774 \ub192\uc740 \uc8fc\uc2dd \ud380\ub4dc\ub294 \uacfc\uc138 \uacc4\uc88c\uc5d0\uc11c \uc88b\uc740 \uc131\uacfc\ub97c \ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uacfc\uc138 \uc790\uc0b0 vs. \ube44\uacfc\uc138 \uc790\uc0b0 \uc120\ud0dd<\/h3>\n

      \uc2a4\ud2f0\ube0c\ub294 REIT\uc640 \uace0\uc218\uc775 \ucc44\uad8c\uc744 401(k) \uacc4\uc88c\uc5d0 \ubcf4\uc720\ud558\uc5ec \ub9e4\ub144 \uc218\ucc9c \ub2ec\ub7ec\uc758 \uc138\uae08\uc744 \uc808\uac10\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uacfc\uc138\uc728\uc774 \ub0ae\uc740 \ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud558\ub294 \uc778\ub371\uc2a4 ETF\ub294 \uc77c\ubc18 \uc99d\uad8c \uacc4\uc88c\uc5d0 \ubcf4\uad00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc774\ub7ec\ud55c \ubbf8\ubb18\ud55c \uad6c\ubd84 \ub355\ubd84\uc5d0 \uc2a4\ud2f0\ube0c\ub294 \uc804\uccb4\uc801\uc778 \uc704\ud5d8 \uac10\uc218 \uc218\uc900\uc744 \ubc14\uafb8\uc9c0 \uc54a\uace0\ub3c4 \ud22c\uc790 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ub9e4\ub144 4\uc6d4, \uc2e4\uc81c \uc138\uae08 \uace0\uc9c0\uc11c\ub97c \uac80\ud1a0\ud558\uc5ec \uc790\uc2e0\uc758 \uacc4\ud68d\uc774 '\uc784\uc758\uc758' \uc790\uc0b0 \ubc30\ubd84\ubcf4\ub2e4 \uc6b0\uc218\ud55c \uc131\uacfc\ub97c \ub0c8\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

      \ud6a8\uc728\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84\uc740 \uac04\ub2e8\ud558\uac8c \ub530\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9e4\ub144 \ubcf4\uc720 \uc790\uc0b0\uc744 \uac80\ud1a0\ud558\uace0 \uc608\uc0c1\ub418\ub294 \uc138\uae08 \uc601\ud5a5\uc744 \uace0\ub824\ud558\uc5ec \uc790\uc0b0 \ubc30\ubd84\uc744 \uc870\uc815\ud558\uba74 \ub429\ub2c8\ub2e4. \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8\ub098 \ubb34\ub8cc \uc628\ub77c\uc778 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uba74 \uc774 \uacfc\uc815\uc744 \uac1d\uad00\uc801\uc774\uace0 \ubc18\ubcf5\uc801\uc73c\ub85c \uc218\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc138\uae08 \ud6a8\uc728\uc801\uc778 \ubc30\ubd84 \ubc29\uc2dd\uc744 \ucc98\uc74c\ubd80\ud130 \uad6c\ucd95\ud558\uae30<\/h3>\n

      \uc774\uc81c \ub9c9 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc2dc\uc791\ud55c \uc81c\uc2dc\uce74\ub294 \uc0c8\ub85c \ub4e4\uc5b4\uc624\ub294 \ubaa8\ub4e0 \ub3c8\uc744 \uc790\uc0b0\uc744 \ud604\uba85\ud558\uac8c \ubc30\ubd84\ud560 \uae30\ud68c\ub85c \uc5ec\uae41\ub2c8\ub2e4. \uadf8\ub140\ub294 \uc138\uae08 \uad6c\uac04\uc744 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf4\uace0 \uc2b5\uad00\uc774 \uc544\ub2cc \uc758\ub3c4\uc801\uc73c\ub85c \uacc4\uc88c\ub97c \uc120\ud0dd\ud569\ub2c8\ub2e4. \ub610\ud55c \ud68c\uc804\uc728\uc774 \ub192\uac70\ub098 \uace0\uc218\uc775 \uc790\uc0b0\uc740 \uacfc\uc138 \ub300\uc0c1 \uacc4\uc88c\uc5d0 \ub450\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc81c\uc2dc\uce74\ub294 \uae09\uc5ec\ub098 \uc5f0\uac04 \ubcf4\ub108\uc2a4\ub97c \ubc1b\uc744 \ub54c\ub9c8\ub2e4 \uc774 \uc2b5\uad00\uc744 \ubc18\ubcf5\ud568\uc73c\ub85c\uc368, \ucd1d\uc790\uc0b0 \uaddc\ubaa8\ub294 \ube44\uc2b7\ud558\uc9c0\ub9cc \uc138\uae08 \uad00\ub9ac\uc5d0 \ub35c \uc2e0\uacbd \uc4f0\ub294 \ub3d9\ub8cc\ub4e4\ubcf4\ub2e4 \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc600\uc2b5\ub2c8\ub2e4. \uc218\uc2ed \ub144\uc5d0 \uac78\uccd0 \uc774\ub7ec\ud55c \uc791\uc740 \ud6a8\uc728\uc131\ub4e4\uc774 \uc313\uc5ec \ud655\uc2e4\ud55c \ud6a8\uacfc\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4.<\/p>\n

      \uc81c\uc2dc\uce74\uc758 \ubc29\uc2dd\uc744 \ub530\ub77c \ud558\ub824\uba74 \uae09\uc5ec \uc778\uc0c1, \uc9c1\uc7a5 \ubcc0\uacbd \ub610\ub294 \uc8fc\uc694 \uc778\uc0dd \uc774\uc815\ud45c \ud6c4\uc5d0 \uc790\uc0b0 \uc704\uce58\ub97c \uc7ac\ud3c9\uac00\ud558\ub3c4\ub85d \uc54c\ub9bc\uc744 \uc124\uc815\ud558\uc138\uc694. \uc774 \uac04\ub2e8\ud55c \ub2e8\uacc4\ub97c \ud1b5\ud574 \ub9e4\ub144 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc790\ubcf8 \uc774\ub4dd, \ubc30\ub2f9\uae08, \uadf8\ub9ac\uace0 \uc2e4\uc9c8 \uc18c\ub4dd<\/h2>\n

      \ubc30\ub2f9\uae08, \uc774\uc790, \uc790\ubcf8 \uc774\ub4dd \ub4f1 \uac01 \uc218\uc775 \uc720\ud615\uc5d0\ub294 \uace0\uc720\ud55c \uc138\uae08 \uaddc\uc815\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc94\uc8fc\ub97c \uc774\ud574\ud558\uba74 \ucd5c\uc885\uc801\uc73c\ub85c \ub0a8\ub294 \uae08\uc561\uc744 \uadf9\ub300\ud654\ud558\uc5ec \uc21c \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc7a5\uae30 \ud22c\uc790 \uc218\uc775\uacfc \uc801\uaca9 \ubc30\ub2f9\uae08\uc740 \ub300\ubd80\ubd84\uc758 \ub0a9\uc138\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc138\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \ubc18\uba74, \ub2e8\uae30 \ud22c\uc790 \uc218\uc775\uacfc \uc77c\ubc18 \uc774\uc790\ub294 \ub354 \ub192\uc740 \uc138\uc728\ub85c \uacfc\uc138\ub429\ub2c8\ub2e4. \uc18c\ub4dd\uc744 \ubd84\ub958\ud558\uba74 \uc138\uae08 \uc2e0\uace0 \uc2dc\uae30\ub97c \ubbf8\ub9ac \uacc4\ud68d\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

      \ubc30\ub2f9\uae08 \uad00\ub9ac\ub97c \ud1b5\ud55c \ucd5c\ub300 \uc21c\uc774\uc775 \ucc3d\ucd9c<\/h3>\n

      \ub85c\ubc84\ud2b8\ub294 \uc801\uaca9 \ubc30\ub2f9\uae08\uacfc \ube44\uc801\uaca9 \ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud558\ub294 \ub2e4\uc591\ud55c \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ubc30\ub2f9\uae08 \uc9c0\uae09 \ub0b4\uc5ed\uc744 \ucd94\uc801\ud558\uace0, \uad00\ub828 \uc11c\ub958\ub97c \uc885\ub958\ubcc4\ub85c \uc815\ub9ac\ud569\ub2c8\ub2e4. \ub9e4\ub144 1\uc6d4\uc5d0\ub294 \uacfc\uc138 \ub300\uc0c1 \uc18c\ub4dd\uc774 \ub9ce\uc740 \uc790\uc0b0\uc744 \uc138\uc81c \ud61c\ud0dd\uc774 \uc788\ub294 \uacc4\uc88c\ub85c \uc62e\uaca8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5\uc744 \uc218\uc815\ud569\ub2c8\ub2e4.<\/p>\n

      \ub85c\ubc84\ud2b8\ub294 \uc5f0\uc911 \ub0b4\ub0b4 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec \ub300\ubd80\ubd84\uc758 \ud22c\uc790 \uc218\uc775\uc5d0 \ub300\ud574 \ub354 \uc720\ub9ac\ud55c \uc138\uc728\uc744 \uc801\uc6a9\ubc1b\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \uc99d\uad8c\uc0ac \ubcf4\uace0\uc11c\ub97c \ud65c\uc6a9\ud558\uc5ec \ubd04\ucca0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc7ac\uc870\uc815 \uc2dc \uc138\uae08 \ud6a8\uc728\uc131\uc774 \ub354 \ub192\uc740 \ub300\uccb4 \uc8fc\uc2dd\uc744 \ucc3e\uc544\ub0c5\ub2c8\ub2e4.<\/p>\n

      \ub85c\ubc84\ud2b8\ub294 \uae30\ub85d \uad00\ub9ac\ub97c \uc790\ub3d9\ud654\ud558\uace0 \ubc30\ub2f9\uae08 \uc7ac\ud22c\uc790 \uacc4\ud68d(DRIP)\uc744 \ub3c4\uc785\ud568\uc73c\ub85c\uc368 \uc218\uc775\uc744 \ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \ub298\ub824 \uc138\uae08 \uad00\ub9ac\ub97c \ubd80\ub2f4\uc2a4\ub7ec\uc6b4 \uc77c\uc774 \uc544\ub2cc \uc77c\uc0c1\uc801\uc778 \uc77c\ub85c \uc5ec\uae30\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc790\ubcf8 \uc774\ub4dd \ucd5c\uc801\ud654\ub97c \uc704\ud55c \ud310\ub9e4 \uc804\ub7b5<\/h3>\n

      \uc5d0\ubc00\ub9ac\ub294 \ubcf4\uc720 \uc8fc\uc2dd\uc758 \uc2dc\uc138\ub97c \uc870\uc815\ud560 \ub54c, \uc18c\ub4dd\uc138\uc728\uc774 \ub0ae\uc544\uc9c8 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \ud574\ub97c \uae30\uc900\uc73c\ub85c \ub9e4\ub3c4 \uacc4\ud68d\uc744 \uc138\uc6c1\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc2dc\uc7a5 \ubcc0\ub3d9 \ub54c\ubb38\uc5d0 \ub9e4\ub3c4\ud558\ub294 \uacbd\uc6b0\ub294 \uc808\ub300 \uc5c6\uc73c\uba70, \uc721\uc544\ud734\uc9c1, \uacbd\ub825 \ub2e8\uc808, \uc740\ud1f4\uc640 \uac19\uc740 \uc778\uc0dd\uc758 \uc911\uc694\ud55c \uc0ac\uac74\ub4e4\uc744 \uace0\ub824\ud558\uc5ec \ub9e4\ub3c4 \uacb0\uc815\uc744 \ub0b4\ub9bd\ub2c8\ub2e4.<\/p>\n

      \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \ud1b5\ud574 \uc5d0\ubc00\ub9ac\ub294 \uc2e4\ud604\ub41c \uc218\uc775\uc744 \uac00\ub2a5\ud55c \ud55c \uac00\uc7a5 \ub0ae\uc740 \uc138\uc728 \uad6c\uac04\uc5d0 \uc720\uc9c0\ud568\uc73c\ub85c\uc368 \ud22c\uc790 \uc218\uc775\uc744 \ub354 \ub9ce\uc774 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub140\ub294 \uac04\ub2e8\ud55c \uacc4\uc0b0\ud45c\ub97c \uc0ac\uc6a9\ud558\uc5ec \ub9e4\ub144 \uc77c\uad00\uc131\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n

      \uadf8\ub140\ub294 \uc190\uc2e4\uc744 \ubcf4\ub294 \uc885\ubaa9\uc744 \ub9e4\ub3c4\ud55c \ud6c4 30\uc77c \uc774\uc0c1 \ubcf4\uc720\ud568\uc73c\ub85c\uc368 \uc6cc\uc2dc \uc138\uc77c(Wash Sale) \uc704\ubc18\uc744 \ud53c\ud558\uace0, \ubaa8\ub4e0 \uc138\uae08 \uc808\uac10 \uc804\ub7b5\uc774 \ud569\ubc95\uc801\uc774\uace0 \ud22c\uba85\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c0\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uba87 \ubd84\ub9cc \ub354 \uacc4\ud68d\ud558\uba74 \uc2a4\ud2b8\ub808\uc2a4 \uc5c6\uc774 \uc808\uc138 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc138\uae08 \uc190\uc2e4 \uacf5\uc81c \ubc0f \uc99d\uc5ec\ub97c \ud65c\uc6a9\ud558\uc5ec \uc218\uc775\uc744 \uadf9\ub300\ud654\ud558\uc138\uc694<\/h2>\n

      \uc190\uc2e4\uc744 \uc2e4\ud604\ud558\uac70\ub098 \uc99d\uc5ec\ub97c \uacc4\ud68d\ud558\ub294 \ub4f1\uc758 \uc801\uadf9\uc801\uc778 \uc870\uce58\ub97c \ud1b5\ud574 \uc138\uae08\uc744 \uc720\ub9ac\ud558\uac8c \uc870\uc815\ud558\uace0 \ud22c\uc790 \uc218\uc775 \uc99d\uac00\ub97c \uac00\uc18d\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \ub204\uad6c\ub098 \ud65c\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \ucd08\uace0\uc561 \uc790\uc0b0\uac00\uc5d0\uac8c\ub9cc \uad6d\ud55c\ub41c \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

      \uc190\uc2e4\uacfc \uc99d\uc5ec\ub97c \uc804\ub7b5\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74 \uc11c\ub958\uc0c1\uc758 \uc190\uc2e4\uc744 \ubcf5\ub9ac \uc218\uc775 \uc99d\ub300\uc640 \uc138\uae08 \uc808\uac10\uc758 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub85c \uc804\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubaa8\ub4e0 \uacfc\uc815\uc5d0\ub294 \uc62c\ubc14\ub978 \uae30\ub85d\uacfc \uba85\ud655\ud55c \uacc4\ud68d\ub9cc \uc788\uc73c\uba74 \ub429\ub2c8\ub2e4.<\/p>\n

      \uacc4\uc808\ubcc4 \uc138\uae08 \uc190\uc2e4 \uacf5\uc81c \uacc4\ud68d\uc744 \uc138\uc6b0\uc138\uc694<\/h3>\n

      \uc568\ub9ac\uc2a4\ub294 \ub9e4\ub144 12\uc6d4\ub9c8\ub2e4 \uc790\uc2e0\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uac80\ud1a0\ud558\uc5ec \uc2e4\uc801\uc774 \uc800\uc870\ud55c \uc885\ubaa9\uc744 \ucc3e\uc544\ub0c5\ub2c8\ub2e4. \uc190\uc2e4\uc744 \ubcf4\ub294 \uc885\ubaa9\uc744 \uc218\uc775\uc774 \ub098\ub294 \uc885\ubaa9\uacfc \uc9dd\uc9c0\uc5b4 \uc190\uc2e4\uc744 \uc2e4\ud604\ud568\uc73c\ub85c\uc368 \uacfc\uc138 \ub300\uc0c1 \uc774\uc775\uc744 \uc0c1\uc1c4\ud569\ub2c8\ub2e4. 31\uc77c \ud6c4, \ube44\uc2b7\ud55c \uc2dc\uc7a5 \ub178\ucd9c\ub3c4\ub97c \uc720\uc9c0\ud558\uace0 \uc2f6\ub2e4\uba74 \uc720\uc0ac\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \ub2e4\uc2dc \ub9e4\uc218\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc774 \uc804\ub7b5 \ub355\ubd84\uc5d0 \uc568\ub9ac\uc2a4\ub294 \uc2dc\uc7a5 \ubd80\ubb38\uc774 \ud558\ub77d\ud558\ub354\ub77c\ub3c4 \uc21c \ud22c\uc790 \uc218\uc775\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc568\ub9ac\uc2a4\ub294 \uafb8\uc900\ud55c \uae30\ub85d \uad00\ub9ac\ub85c \uc138\ubb34 \uc2e0\uace0\ub97c \uac04\ud3b8\ud558\uac8c \ucc98\ub9ac\ud558\uace0, \uc808\uac10\ub41c \uc138\uae08\uc744 \uc2e0\uc18d\ud558\uac8c \uc7ac\ud22c\uc790\ud558\uc5ec \uc190\uc2e4\uc744 \ub9cc\ud68c\ud569\ub2c8\ub2e4.<\/p>\n

      \uc568\ub9ac\uc2a4\ub294 \uc774 \uacfc\uc815\uc744 \ub9e4\ub144 \ubc18\ubcf5\ud558\uba74\uc11c \uacfc\uc138 \ub300\uc0c1 \ud22c\uc790 \uc218\uc775\uc758 \ubcc0\ub3d9\uc131\uc774 \uc904\uc5b4\ub4e4\uace0, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc0dd\ud65c \ubc29\uc2dd\uc5d0 \ud070 \ubcc0\ud654\ub97c \uc8fc\uc9c0 \uc54a\uace0\ub3c4 \uc804\ubc18\uc801\uc778 \uc138\uae08 \ubd80\ub2f4\uc774 \uc904\uc5b4\ub4dc\ub294 \uac83\uc744 \uc54c\uac8c \ub429\ub2c8\ub2e4.<\/p>\n

      \uc138\uae08 \ud6a8\uc728\uc131 \ud5a5\uc0c1 \ubc0f \uc720\uc0b0 \uad6c\ucd95\uc744 \uc704\ud55c \uc99d\uc5ec<\/h3>\n

      \ud560\uc544\ubc84\uc9c0 \uc7ad\uacfc \ud560\uba38\ub2c8 \uc274\ub77c\ub294 \uc190\uc8fc\ub4e4\uc758 \ub300\ud559 \ud559\uc790\uae08\uc744 \ub9c8\ub828\ud574 \uc8fc\uace0 \uc2f6\uc744 \ub54c \ud604\uae08 \ub300\uc2e0 \uc2dc\uc138\uac00 \uc624\ub978 \uc8fc\uc2dd\uc744 \uc90d\ub2c8\ub2e4. \uc18c\ub4dd\uc138\uc728\uc774 \ub0ae\uc740 \uc790\ub140\ub4e4\uc740 \uc8fc\uc2dd\uc744 \ud314 \ub54c \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \uac70\uc758 \ub0b4\uc9c0 \uc54a\uac70\ub098 \uc544\uc608 \ub0b4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc774\ub7ec\ud55c \uc870\uce58\ub294 \uac00\uc871 \uc790\uc0b0\uc744 \ub298\ub9ac\uace0 \ub354 \ub9ce\uc740 \uc790\uae08\uc744 \ud22c\uc790 \uc0c1\ud0dc\ub85c \uc720\uc9c0\ud558\uc5ec \uac00\uc871 \uc804\uccb4\uc758 \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc785\ub2c8\ub2e4. \uc7ad\uacfc \uc274\ub77c\ub294 \uc99d\uad8c\uc0ac\ub97c \ud1b5\ud574 \uac04\ub2e8\ud55c \uc11c\ub958 \uc791\uc5c5\ub9cc \uc644\ub8cc\ud558\uba74 \ub418\ubbc0\ub85c, \uc9c1\uc811 \uc8fc\uc2dd\uc744 \ub9e4\ub3c4\ud588\uc744 \ub54c \ubc1c\uc0dd\ud588\uc744 \uc138\uae08\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ube44\uc2b7\ud55c \ubaa9\ud45c\ub97c \uac00\uc9c4 \ubaa8\ub4e0 \uac00\uc871\uc740 \uc5f0\uac04 \uacf5\uc81c \ud55c\ub3c4\ub97c \ud65c\uc6a9\ud558\uc5ec \uc99d\uc5ec\ub97c \uc77c\uc0c1\uc801\uc778 \uac83\uc73c\ub85c \ub9cc\ub4e4\uace0, \uc7a5\uae30 \ud22c\uc790\ub97c \uc138\uae08 \ud6a8\uc728\uc801\uc778 \uc790\uc120 \ud589\uc704\uc774\uc790 \uc720\uc0b0\uc73c\ub85c \uc804\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc138\ubc95 \uc9c0\uc2dd\uc744 \ud65c\uc6a9\ud558\uc5ec \uc548\uc815\uc801\uc778 \uc7a5\uae30 \uc131\uc7a5\uc744 \uc774\ub8e8\uc138\uc694<\/h2>\n

      \uc138\uae08\uc744 \ud604\uba85\ud558\uac8c \uace0\ub824\ud55c \ud22c\uc790\ub294 IRS \uaddc\uc815\uc744 \uc554\uae30\ud558\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ud328\ud134\uc744 \ud30c\uc545\ud558\uace0, \uc2dc\uc758\uc801\uc808\ud55c \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\uba70, \uafb8\uc900\ud788 \ud22c\uc790 \uacc4\uc88c\ub97c \uc120\ud0dd\ud568\uc73c\ub85c\uc368 \uba85\ud655\ud55c \uacc4\ud68d \uc5c6\uc774 \ud22c\uc790\ud558\ub294 \uac83\ubcf4\ub2e4 \ud6e8\uc52c \ub192\uc740 \uc218\uc775\ub960\uc744 \uc62c\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uacc4\uc88c, \uc790\uc0b0 \ubc30\ubd84, \uc778\ucd9c \uacc4\ud68d\uc744 \ub9e4\ub144 \uac80\ud1a0\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\uba74 \uc138\uae08\uc740 \uc904\uc5b4\ub4e4\uace0 \uc21c\uc790\uc0b0\uc740 \ub9e4\ub144 \uc99d\uac00\ud558\ub294 \uac83\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc624\ub298 \ub2f9\uc2e0\uc774 \ubc18\ubcf5\ud558\ub294 \uc791\uace0 \uad6c\uccb4\uc801\uc778 \ud589\ub3d9\ub4e4\uc774 \uba87 \ub144 \ud6c4 \ud22c\uc790 \uc218\uc775\uc758 \uac00\uc7a5 \ud070 \uc6d0\ub3d9\ub825\uc774 \ub429\ub2c8\ub2e4. \ub2e8\uacc4\uc801\uc73c\ub85c \ub098\uc544\uac00\ub2e4 \ubcf4\uba74 \uc790\uc2e0\uac10\uacfc \uc21c\uc790\uc0b0\uc774 \ud568\uaed8 \uafb8\uc900\ud558\uace0 \uc548\uc815\uc801\uc73c\ub85c \uc99d\uac00\ud558\ub294 \uac83\uc744 \uacbd\ud5d8\ud558\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

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