{"id":65,"date":"2024-10-24T03:15:30","date_gmt":"2024-10-24T03:15:30","guid":{"rendered":"https:\/\/norado.kr\/?p=65"},"modified":"2024-10-24T03:15:33","modified_gmt":"2024-10-24T03:15:33","slug":"irp-%ec%88%98%ec%88%98%eb%a3%8c-%eb%b9%84%ea%b5%90%ec%99%80-%ec%98%a8%eb%9d%bc%ec%9d%b8-%ea%b0%80%ec%9e%85-%ed%98%9c%ed%83%9d-%ec%b4%9d%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/norado.kr\/?p=65","title":{"rendered":"IRP \uc218\uc218\ub8cc \ube44\uad50\uc640 \uc628\ub77c\uc778 \uac00\uc785 \ud61c\ud0dd \ucd1d\uc815\ub9ac"},"content":{"rendered":"\n

IRP(Individual Retirement Pension)\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c, \uadfc\ub85c\uc790\uc640 \uc790\uc601\uc5c5\uc790 \ubaa8\ub450 \ub178\ud6c4 \ub300\ube44\uc640 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ub3d9\uc2dc\uc5d0 \ub204\ub9b4 \uc218 \uc788\ub294 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. IRP\ub97c \uc798 \ud65c\uc6a9\ud558\uba74 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc7a5\uae30 \uc6b4\uc6a9 \uc0c1\ud488\uc778 \ub9cc\ud07c \uc218\uc218\ub8cc\uac00 \ub204\uc801\ub418\uc5b4 \ucd5c\uc885 \uc218\uc775\ub960\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \uae08\uc735\uae30\uad00\ubcc4 \uc218\uc218\ub8cc \ube44\uad50\uc640 \uc628\ub77c\uc778 \uac00\uc785 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \ub530\uc838\ubcf4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc \uad6c\uc870\uc640 \uc8fc\uc694 \uae08\uc735\uae30\uad00\uc758 \uc218\uc218\ub8cc \ube44\uad50\ub97c \ud1b5\ud574 \uc5b4\ub5a4 \uacc4\uc88c\uac00 \uc720\ub9ac\ud55c\uc9c0 \uc54c\uc544\ubcf4\uace0, \uc628\ub77c\uc778 \uac00\uc785 \uc2dc \ubc1b\uc744 \uc218 \uc788\ub294 \ud61c\ud0dd\uc744 \uc815\ub9ac\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

https:\/\/www.nytimes.com\/search?dropmab=true&query=IRP \uc218\uc218\ub8cc \ube44\uad50<\/a><\/p>\n\n\n\n

IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc \uad6c\uc870\ub294 \ud22c\uc790\uc790\uc758 \uc218\uc775\ub960\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \uc774\ub97c \uc815\ud655\ud788 \uc774\ud574\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc\ub294 \ud06c\uac8c \ub450 \uac00\uc9c0\ub85c \ub098\ub269\ub2c8\ub2e4. \uccab\uc9f8, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uacc4\uc88c\ub97c \uc720\uc9c0\ud558\uace0 \uad00\ub9ac\ud558\ub294 \ub300\uac00\ub85c \ub9e4\uc6d4 \uc794\uc561\uc758 \uc77c\uc815 \ube44\uc728\ub85c \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc774 \ube44\uc728\uc740 \uae08\uc735\uae30\uad00\uc5d0 \ub530\ub77c \ub2e4\ub974\uc9c0\ub9cc, \uc5f0 0.1%\uc5d0\uc11c 0.4% \uc0ac\uc774\ub85c \ud615\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub204\uc801\ub418\uae30 \ub54c\ubb38\uc5d0, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uba74 \uc0c1\ub2f9\ud55c \uae08\uc561\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c\ub294 \uac00\ub2a5\ud55c \ud55c \ub0ae\uc740 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\ub294 \uae08\uc735\uae30\uad00\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 IRP \uacc4\uc88c \ub0b4\uc5d0\uc11c \ud380\ub4dc, \uc8fc\uc2dd, ETF \ub4f1\uc758 \uc790\uc0b0\uc744 \uc6b4\uc6a9\ud560 \ub54c \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc790\uc0b0\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \uc218\uc218\ub8cc\uc728\uc774 \ub2e4\ub974\uba70, \uc77c\ubc18\uc801\uc73c\ub85c \ud380\ub4dc\uc758 \uacbd\uc6b0 0.5%\uc5d0\uc11c 2.0%\uae4c\uc9c0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uc8fc\uc2dd\uc774\ub098 ETF\uc5d0 \ud22c\uc790\ud560 \uacbd\uc6b0 \uc218\uc218\ub8cc\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc744 \uc218 \uc788\uc9c0\ub9cc, \ud2b9\uc815 \uc0c1\ud488\uc5d0 \ub530\ub77c \ub2e4\ub974\uac8c \ucc45\uc815\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \uc0ac\uc804\uc5d0 \ud655\uc778\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. IRP \uacc4\uc88c\ub294 \uc7a5\uae30 \uc6b4\uc6a9\uc774 \uae30\ubcf8\uc774\uae30 \ub54c\ubb38\uc5d0, \uc774\ub7ec\ud55c \uc218\uc218\ub8cc\uac00 \ub204\uc801\ub418\uba74 \uc218\uc775\ub960\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc218\uc218\ub8cc\uac00 \ub192\uc744 \uacbd\uc6b0 \ud22c\uc790\uc790\uac00 \uae30\ub300\ud558\ub294 \uc218\uc775\uc744 \uc5bb\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc218\uc218\ub8cc\uac00 \uc800\ub834\ud55c \uae08\uc735\uae30\uad00\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub610\ud55c, \uc628\ub77c\uc778 \uac00\uc785 \ud61c\ud0dd\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \uc804\ub7b5\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc628\ub77c\uc778\uc73c\ub85c IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uacbd\uc6b0 \uc218\uc218\ub8cc \ud560\uc778\uc774\ub098 \uba74\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ubbc0\ub85c, \uc774\ub7ec\ud55c \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc8fc\uc694 \uae08\uc735\uae30\uad00\ubcc4 IRP \uc218\uc218\ub8cc \ube44\uad50<\/a> \ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc911\uc694\ud55c \uc120\ud0dd \uae30\uc900\uc774 \ub429\ub2c8\ub2e4. \uac01 \uae08\uc735\uae30\uad00\uc740 \uc11c\ub85c \ub2e4\ub978 \ud2b9\uc9d5\uacfc \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uac00\uc9c0\uace0 \uc788\uc5b4, \uac1c\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uc120\ud0dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc740\ud589\uad8c IRP \uacc4\uc88c\ub294 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc6b4\uc6a9\uc744 \uc6d0\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uad6d\ubbfc\uc740\ud589, \uc2e0\ud55c\uc740\ud589, \uc6b0\ub9ac\uc740\ud589, \ud558\ub098\uc740\ud589 \ub4f1\uc774 \ub300\ud45c\uc801\uc778 \uc740\ud589\uc73c\ub85c, \uc774\ub4e4 \uae30\uad00\uc740 \ub300\ubd80\ubd84 \uc608\u00b7\uc801\uae08 \uc0c1\ud488\uacfc \uc5f0\uacc4\ub41c IRP \uacc4\uc88c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc740\ud589\uad8c\uc758 \uc218\uc218\ub8cc\ub294 \ubcf4\ud1b5 \uc5f0 0.25%\uc5d0\uc11c 0.4% \uc0ac\uc774\ub85c \ud615\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc77c\ubd80 \uc740\ud589\uc5d0\uc11c\ub294 \uc790\ub3d9\uc774\uccb4 \uc124\uc815\uc774\ub098 \uc794\uc561 \uc720\uc9c0 \uc870\uac74\uc744 \ucda9\uc871\ud558\uba74 \uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2e0\ud55c\uc740\ud589\uc740 IRP \uacc4\uc88c \uc794\uc561\uc774 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc77c \uacbd\uc6b0 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574\uc8fc\uba70, \uad6d\ubbfc\uc740\ud589\uc740 \ub9e4\uc6d4 \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\uba74 \ucd94\uac00\uc801\uc778 \uc218\uc218\ub8cc \ud560\uc778\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \uae0d\uc815\uc801\uc778 \uc694\uc18c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc99d\uad8c\uc0ac IRP \uacc4\uc88c\ub294 \uc8fc\uc2dd\uacfc ETF\uc640 \uac19\uc740 \uace0\uc218\uc775 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc720\uc5f0\uc131\uc774 \uac15\uc810\uc785\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c, NH\ud22c\uc790\uc99d\uad8c, \ud0a4\uc6c0\uc99d\uad8c \ub4f1\uc774 \ub300\ud45c\uc801\uc778 \uc99d\uad8c\uc0ac\uc785\ub2c8\ub2e4. \uc99d\uad8c\uc0ac IRP \uacc4\uc88c\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uc5f0 0.1%\uc5d0\uc11c 0.2%\ub85c, \uc740\ud589\ubcf4\ub2e4 \uc800\ub834\ud55c \ud3b8\uc785\ub2c8\ub2e4. \ud2b9\ud788, ETF \ub9e4\ub9e4 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud558\ub294 \ud61c\ud0dd\uc744 \uc790\uc8fc \uc81c\uacf5\ud558\uc5ec, \ub354\uc6b1 \ub9e4\ub825\uc801\uc778 \uc120\ud0dd\uc9c0\ub85c \uc790\ub9ac\uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud0a4\uc6c0\uc99d\uad8c\uc740 \uc5f0 0.1%\uc758 \uc800\ub834\ud55c \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\uba70, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc740 ETF\uc640 \ud380\ub4dc \uc6b4\uc6a9 \uc2dc \ubc1c\uc0dd\ud558\ub294 \ub9e4\ub9e4 \uc218\uc218\ub8cc\ub97c \uc77c\uc815 \uae30\uac04 \uba74\uc81c\ud574 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc870\uac74\uc740 \uc628\ub77c\uc778 \uac1c\uc124 \uc2dc \ucd94\uac00 \ud61c\ud0dd\uc774 \ub9ce\uc544, \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub354\uc6b1 \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac IRP \uacc4\uc88c\ub294 \uc5f0\uae08 \ubcf4\ud5d8\uacfc \uc5f0\uacc4\ud560 \uc218 \uc788\uc5b4 \uc548\uc815\uc801\uc778 \ub178\ud6c4 \ub300\ube44\ub97c \uc6d0\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc0bc\uc131\uc0dd\uba85, \ud55c\ud654\uc0dd\uba85, \uad50\ubcf4\uc0dd\uba85 \ub4f1\uc774 \ub300\ud45c\uc801\uc774\uba70, \uc774\ub4e4 \ubcf4\ud5d8\uc0ac\uc758 \uc218\uc218\ub8cc\ub294 \ubcf4\ud1b5 \uc5f0 0.3%\uc5d0\uc11c 0.4% \uc0ac\uc774\ub85c \ucc45\uc815\ub429\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \uc7a5\uae30 \uc720\uc9c0 \uace0\uac1d\uc5d0\uac8c \uc218\uc218\ub8cc \uc778\ud558\ub098 \ubcf4\ub108\uc2a4 \uae08\ub9ac \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \ud0c0 \uae08\uc735\uae30\uad00\uc5d0 \ube44\ud574 \uc218\uc218\ub8cc\uac00 \ub192\uc740 \ud3b8\uc774\ubbc0\ub85c \uc7a5\uae30\uc801\uc778 \uc218\uc775\ub960\uc5d0 \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774 \uc810\uc740 \uc548\uc815\uc131\uc744 \uc911\uc2dc\ud558\ub294 \uace0\uac1d\uc5d0\uac8c\ub294 \uae0d\uc815\uc801\uc77c \uc218 \uc788\uc9c0\ub9cc, \uc218\uc775\uc131\uc744 \uc911\uc2dc\ud558\ub294 \uace0\uac1d\uc5d0\uac8c\ub294 \ub2e8\uc810\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc628\ub77c\uc778\uc73c\ub85c IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uba74 \ub2e4\uc591\ud55c \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\ub4e4\uc740 \ube44\ub300\uba74 \ucc44\ub110 \ud65c\uc131\ud654\ub97c \uc704\ud574 \uc628\ub77c\uc778 \uac00\uc785 \uace0\uac1d\uc744 \ub300\uc0c1\uc73c\ub85c \uc218\uc218\ub8cc \uba74\uc81c\ub098 \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \ud070 \uc7a5\uc810\uc774 \ub429\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \uc218\uc218\ub8cc \ud560\uc778 \ubc0f \uba74\uc81c \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc99d\uad8c\uc0ac\uc640 \uc740\ud589\uc5d0\uc11c\ub294 \uc628\ub77c\uc778 \uac1c\uc124 \uc2dc \uc218\uc218\ub8cc\ub97c \ud560\uc778\ud558\uac70\ub098 \uc77c\uc815 \uae30\uac04 \uba74\uc81c\ud574 \uc8fc\ub294 \uc815\ucc45\uc744 \uc6b4\uc601\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc740 \uc2e0\uaddc \uac00\uc785\uc790\uc5d0\uac8c 1\ub144\uac04 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574\uc8fc\ub294 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uc5ec, \ucd08\uae30 \ud22c\uc790 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc90d\ub2c8\ub2e4. \uc774 \uc678\uc5d0\ub3c4 \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc5d0\uc11c \ube44\uc2b7\ud55c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ubbc0\ub85c, \uac01 \uae30\uad00\uc758 \uc870\uac74\uc744 \uc798 \ube44\uad50\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub294 \ud604\uae08 \ub9ac\uc6cc\ub4dc \ubc0f \uc0c1\ud488\uad8c \uc81c\uacf5\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc774 \uc2e0\uaddc \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \ud604\uae08 \ub9ac\uc6cc\ub4dc\ub098 \uc0c1\ud488\uad8c\uc744 \uc9c0\uae09\ud558\ub294 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc774\ubca4\ud2b8\uc5d0 \ub530\ub77c \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc744 \ub0a9\uc785\ud558\uac70\ub098 \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\uba74 \ucd94\uac00\uc801\uc778 \ub9ac\uc6cc\ub4dc\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \ucd08\uae30 \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uba70, \ud22c\uc790\uc790\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc778\uc13c\ud2f0\ube0c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub85c, \uc790\ub3d9\uc774\uccb4 \uc124\uc815 \uc2dc \ucd94\uac00 \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub9e4\uc6d4 \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\uba74 \uc218\uc218\ub8cc\uac00 \ud560\uc778\ub418\uac70\ub098 \ud2b9\ubcc4 \ub9ac\uc6cc\ub4dc\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ubbfc\uc740\ud589\uacfc \uc2e0\ud55c\uc740\ud589\uc740 \uc790\ub3d9\uc774\uccb4\ub97c \ud1b5\ud574 \uc218\uc218\ub8cc \uac10\uba74 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uc5ec, \uc815\uae30\uc801\uc778 \ud22c\uc790 \uc2b5\uad00\uc744 \uae30\ub974\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uc790\ub3d9\uc774\uccb4\ub294 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \ud615\uc131\uc744 \uc9c0\uc6d0\ud558\ub294 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, ETF \ub9e4\ub9e4 \uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 ETF \ud22c\uc790\uc5d0 \uad00\uc2ec\uc774 \ub9ce\uc740 \uace0\uac1d\ub4e4\uc744 \uc704\ud574 ETF \ub9e4\ub9e4 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574 \uc8fc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud0a4\uc6c0\uc99d\uad8c\uacfc \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc740 \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 ETF \uac70\ub798 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud558\uc5ec, \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uc790\uc720\ub86d\uac8c ETF\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774\ub294 \ud2b9\ud788 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uace0\uc790 \ud558\ub294 \uace0\uac1d\uc5d0\uac8c \ud070 \uc7a5\uc810\uc774 \ub429\ub2c8\ub2e4.\uc628\ub77c\uc778\uc73c\ub85c IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uac83\uc740 \ub2e4\uc591\ud55c \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\ub294 \uc88b\uc740 \uae30\ud68c\uc785\ub2c8\ub2e4. \uc218\uc218\ub8cc \ud560\uc778, \ud604\uae08 \ub9ac\uc6cc\ub4dc, \uc790\ub3d9\uc774\uccb4 \ud61c\ud0dd, ETF \ub9e4\ub9e4 \uc218\uc218\ub8cc \uba74\uc81c \ub4f1 \uc5ec\ub7ec \uac00\uc9c0 \uc7a5\uc810\uc744 \ud1b5\ud574 \ucd08\uae30 \ud22c\uc790 \ube44\uc6a9\uc744 \uc904\uc774\uace0, \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, IRP \uacc4\uc88c\ub97c \uace0\ub824\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \uc628\ub77c\uc778 \uac00\uc785 \ud61c\ud0dd\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\uc5ec \ub354 \ub098\uc740 \ud22c\uc790 \uc131\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

IRP \uacc4\uc88c\ub97c \uc120\ud0dd\ud560 \ub54c\ub294 \uc218\uc218\ub8cc \uc678\uc5d0\ub3c4 \uc5ec\ub7ec \uac00\uc9c0 \uc911\uc694\ud55c \uc694\uc18c\ub97c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uc18c\ub4e4\uc740 \uac1c\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc2e0\uc911\ud55c \uc120\ud0dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uccab\uc9f8, \uc790\uc0b0 \uc6b4\uc6a9\uc758 \uc720\uc5f0\uc131\uc785\ub2c8\ub2e4. \uc8fc\uc2dd\uacfc ETF \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ud22c\uc790\ud560 \uacc4\ud68d\uc774\ub77c\uba74 \uc99d\uad8c\uc0ac IRP\uac00 \uc801\ud569\ud569\ub2c8\ub2e4. \uc99d\uad8c\uc0ac\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uba70, \uc0c1\ub300\uc801\uc73c\ub85c \uc800\ub834\ud55c \uc218\uc218\ub8cc\ub85c \uc720\uc5f0\ud55c \uc790\uc0b0 \uc6b4\uc6a9\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud2b9\ud788, ETF\uc5d0 \ud22c\uc790\ud560 \uacbd\uc6b0 \ub9e4\ub9e4 \uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\uc774 \uc788\ub294 \uc99d\uad8c\uc0ac\ub97c \uc120\ud0dd\ud558\uba74 \ub354\uc6b1 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\uc5b4 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub458\uc9f8, \uc548\uc815\uc801\uc778 \uc6b4\uc6a9\uc744 \uc6d0\ud55c\ub2e4\uba74 \uc740\ud589 IRP \uacc4\uc88c\uac00 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc740\ud589\uc740 \uc608\u00b7\uc801\uae08\uacfc \uac19\uc740 \uc548\uc804\ud55c \uc0c1\ud488\uacfc \uc5f0\uacc4\ub41c IRP \uacc4\uc88c\ub97c \uc81c\uacf5\ud558\ubbc0\ub85c, \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ud2b9\ud788, \uc740\ud589 \uacc4\uc88c\ub294 \ube44\uad50\uc801 \ub0ae\uc740 \ub9ac\uc2a4\ud06c\ub85c \uc790\uc0b0\uc744 \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\ubbc0\ub85c, \uc548\uc815\uc801\uc778 \ub178\ud6c4 \ub300\ube44\ub97c \uc6d0\ud558\ub294 \uace0\uac1d\ub4e4\uc5d0\uac8c \uae0d\uc815\uc801\uc778 \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \uc7a5\uae30 \uc720\uc9c0 \ud61c\ud0dd\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5f0\uae08\uacfc \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uc5f0\uacc4\ud574 \uc548\uc815\uc131\uc744 \ucd94\uad6c\ud55c\ub2e4\uba74 \ubcf4\ud5d8\uc0ac IRP \uacc4\uc88c\ub97c \uace0\ub824\ud574 \ubcf4\uc138\uc694. \ubcf4\ud5d8\uc0ac\ub294 \uc7a5\uae30 \uace0\uac1d\uc5d0\uac8c \uc218\uc218\ub8cc \uc778\ud558\ub098 \ubcf4\ub108\uc2a4 \uae08\ub9ac \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uc790\uc0b0\uc744 \uc720\uc9c0\ud558\uba74\uc11c \ucd94\uac00\uc801\uc778 \uc774\uc775\uc744 \uac00\uc838\uc62c \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0 \uc218\uc218\ub8cc\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \ud3b8\uc774\ubbc0\ub85c, \uc7a5\uae30\uc801\uc778 \uc218\uc775\ub960\uc5d0 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uac01 \uae08\uc735\uae30\uad00\uc758 \uc774\ubca4\ud2b8\uc640 \ud61c\ud0dd\uc744 \uc798 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e0\uaddc \uac00\uc785\uc790\ub97c \uc704\ud55c \ud604\uae08 \ub9ac\uc6cc\ub4dc, \uc218\uc218\ub8cc \uba74\uc81c \uc774\ubca4\ud2b8 \ub4f1 \ub2e4\uc591\ud55c \ud504\ub85c\ubaa8\uc158\uc774 \uc81c\uacf5\ub418\ubbc0\ub85c, \uc774\ub97c \ud1b5\ud574 \ucd08\uae30 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc790\ub3d9\uc774\uccb4 \uc124\uc815\uacfc \uac19\uc740 \ubc29\ubc95\uc744 \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \ud560\uc778\uc774\ub098 \ub9ac\uc6cc\ub4dc\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\ub3c4\ub85d \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

IRP \uacc4\uc88c\ub97c \uc7a5\uae30\uc801\uc73c\ub85c \uc6b4\uc6a9\ud560 \ub54c\ub294 \uc218\uc218\ub8cc\ub97c \uc808\uac10\ud558\uace0 \uc790\uc0b0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \ubc30\ubd84\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \ub354 \ub098\uc740 \uc218\uc775\uc744 \uac00\uc838\ub2e4\uc904 \uc218 \uc788\uc73c\uba70, \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uccab\uc9f8, \uc790\uc0b0 \ubc30\ubd84\uc758 \uc911\uc694\uc131\uc785\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, ETF\ub97c \uc801\uc808\ud788 \ud63c\ud569\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uba74 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uba74\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \ube44\uc728\uc744 \ub192\uc774\uba74 \ub192\uc740 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc9c0\ub9cc, \uadf8\ub9cc\ud07c \ub9ac\uc2a4\ud06c\ub3c4 \uc99d\uac00\ud569\ub2c8\ub2e4. \ubc18\ub300\ub85c, \ucc44\uad8c \ube44\uc728\uc744 \ub192\uc774\uba74 \uc548\uc815\uc131\uc744 \uac15\ud654\ud560 \uc218 \uc788\uc73c\ub098 \uc218\uc775\ub960\uc740 \ub0ae\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud22c\uc790\uc790\uc758 \uc704\ud5d8 \uac10\uc218 \uc131\ud5a5\uc5d0 \ub9de\ucdb0 \uc801\uc808\ud55c \ube44\uc728\uc744 \uc124\uc815\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc548\uc815\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c\ub294 \ucc44\uad8c \ube44\uc728\uc744 \ub192\uc774\uace0, \uace0\uc218\uc775\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c\ub294 \uc8fc\uc2dd \ube44\uc728\uc744 \uc99d\uac00\uc2dc\ud0a4\ub294 \uac83\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \ub458\uc9f8, \uc790\ub3d9\uc774\uccb4 \ud65c\uc6a9\uc785\ub2c8\ub2e4. \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc73c\ub85c \uc774\uccb4\ud558\uba74 \uafb8\uc900\ud55c \uc790\uc0b0 \uc99d\uc2dd\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc790\ub3d9\uc774\uccb4\ub294 \uc815\uae30\uc801\uc778 \ud22c\uc790 \uc2b5\uad00\uc744 \uae30\ub974\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc904 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc218\uc218\ub8cc \ud560\uc778 \ud61c\ud0dd\uc744 \ud1b5\ud574 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ubbfc\uc740\ud589\uc774\ub098 \uc2e0\ud55c\uc740\ud589\uc5d0\uc11c\ub294 \uc790\ub3d9\uc774\uccb4 \uc124\uc815 \uc2dc \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \ud560\uc778\ud574 \uc8fc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc29\uc2dd\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc99d\uc2dd\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc14b\uc9f8, \uc7a5\uae30 \uc720\uc9c0 \uc2dc \uc81c\uacf5\ub418\ub294 \ud61c\ud0dd\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 IRP \uacc4\uc88c\ub97c \uc7a5\uae30\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \uc218\uc218\ub8cc \uc778\ud558 \ud61c\ud0dd\uc774\ub098 \ubcf4\ub108\uc2a4 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc740 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub204\uc801\ub420 \uc218 \uc788\ub294 \uc218\uc218\ub8cc \ubd80\ub2f4\uc744 \uc904\uc5ec\uc8fc\uace0, \uc804\uccb4\uc801\uc778 \ud22c\uc790 \uc218\uc775\ub960\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud22c\uc790\uc790\ub294 \uacc4\uc88c\ub97c \uc7a5\uae30\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

IRP \uacc4\uc88c\ub294 \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uacfc \uc138\uc81c \ud61c\ud0dd\uc744 \ub3d9\uc2dc\uc5d0 \ub204\ub9b4 \uc218 \uc788\ub294 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc218\uc218\ub8cc\ub294 \uc7a5\uae30\uc801\uc778 \uc6b4\uc6a9\uc5d0\uc11c \uc218\uc775\ub960\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \uac01 \uae08\uc735\uae30\uad00\uc758 \uc218\uc218\ub8cc\uc640 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50\ud55c \ud6c4 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub97c \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.\uc99d\uad8c\uc0ac\uc758 \uc800\ub834\ud55c \uc218\uc218\ub8cc\uc640 ETF \ud22c\uc790 \uc804\ub7b5\uc740 IRP \uc6b4\uc6a9\uc758 \ud6a8\uc728\uc131\uc744 \ub192\uc774\ub294 \ub370 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ubc18\uba74, \uc740\ud589\uacfc \ubcf4\ud5d8\uc0ac\uc758 \uacc4\uc88c\ub294 \uc548\uc815\uc131\uc744 \uc911\uc2dc\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc628\ub77c\uc778 \uac00\uc785 \ud61c\ud0dd\uc744 \uc801\uadf9 \ud65c\uc6a9\ud574 \ucd08\uae30 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc774\ub8e8\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

IRP(Individual Retirement Pension)\ub294 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c, \uadfc\ub85c\uc790\uc640 \uc790\uc601\uc5c5\uc790 \ubaa8\ub450 \ub178\ud6c4 \ub300\ube44\uc640 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ub3d9\uc2dc\uc5d0 \ub204\ub9b4 \uc218 \uc788\ub294 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. IRP\ub97c \uc798 \ud65c\uc6a9\ud558\uba74 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc7a5\uae30 \uc6b4\uc6a9 \uc0c1\ud488\uc778 \ub9cc\ud07c \uc218\uc218\ub8cc\uac00 \ub204\uc801\ub418\uc5b4 \ucd5c\uc885 \uc218\uc775\ub960\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \uae08\uc735\uae30\uad00\ubcc4 \uc218\uc218\ub8cc \ube44\uad50\uc640 \uc628\ub77c\uc778 \uac00\uc785 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \ub530\uc838\ubcf4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 IRP \uacc4\uc88c\uc758 \uc218\uc218\ub8cc […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-65","post","type-post","status-publish","format-standard","hentry","category-8"],"_links":{"self":[{"href":"https:\/\/norado.kr\/index.php?rest_route=\/wp\/v2\/posts\/65","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/norado.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/norado.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/norado.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/norado.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=65"}],"version-history":[{"count":1,"href":"https:\/\/norado.kr\/index.php?rest_route=\/wp\/v2\/posts\/65\/revisions"}],"predecessor-version":[{"id":66,"href":"https:\/\/norado.kr\/index.php?rest_route=\/wp\/v2\/posts\/65\/revisions\/66"}],"wp:attachment":[{"href":"https:\/\/norado.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=65"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/norado.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=65"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/norado.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=65"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}