{"id":57859,"date":"2025-05-18T08:21:10","date_gmt":"2025-05-17T23:21:10","guid":{"rendered":"https:\/\/hnu4c.shop\/blog\/lifestyle\/how-to-start-investing-in-stocks-safely-in-your-20s"},"modified":"2025-05-18T08:21:14","modified_gmt":"2025-05-17T23:21:14","slug":"how-to-start-investing-in-stocks-safely-in-your-20s","status":"publish","type":"post","link":"https:\/\/hnu4c.shop\/blog\/lifestyle\/how-to-start-investing-in-stocks-safely-in-your-20s","title":{"rendered":"20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc8fc\uc2dd \ud22c\uc790, \uc548\uc804\ud558\uac8c \uc2dc\uc791\ud558\ub294 \ubc95"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#20%eb%8c%80%eb%b6%80%ed%84%b0-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%ec%a3%bc%ec%8b%9d-%ed%88%ac%ec%9e%90-%ec%95%88%ec%a0%84%ed%95%98%ea%b2%8c-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%eb%b2%95-MEXUaupNAE\">20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc8fc\uc2dd \ud22c\uc790, \uc548\uc804\ud558\uac8c \uc2dc\uc791\ud558\ub294 \ubc95<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-1-%ec%a3%bc%ec%8b%9d%ec%8b%9c%ec%9e%a5-%ec%9d%b4%ed%95%b4%ec%99%80-%ea%b8%b0%eb%b3%b8-%ec%a7%80%ec%8b%9d-MEXUaupNAE\">\uc139\uc158 1. \uc8fc\uc2dd\uc2dc\uc7a5 \uc774\ud574\uc640 \uae30\ubcf8 \uc9c0\uc2dd<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-2-%ed%88%ac%ec%9e%90%ec%a0%84%eb%9e%b5-%eb%b0%8f-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac%ec%9d%98-%ea%b8%b0%eb%b3%b8-MEXUaupNAE\">\uc139\uc158 2. \ud22c\uc790\uc804\ub7b5 \ubc0f \uc704\ud5d8 \uad00\ub9ac\uc758 \uae30\ubcf8<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-3-%ec%b5%9c%ec%8b%a0-%eb%8f%99%ed%96%a5%ea%b3%bc-%ec%82%ac%eb%a1%80-%ec%97%b0%ea%b5%ac%eb%a5%bc-%ed%86%b5%ed%95%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%ea%b0%9c%ec%84%a0-MEXUaupNAE\">\uc139\uc158 3. \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud55c \ud22c\uc790 \uc804\ub7b5 \uac1c\uc120<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-4-%ec%9e%a5%ea%b8%b0-%ec%9e%ac%ed%85%8c%ed%81%ac-%eb%b0%8f-%ec%9e%90%ec%82%b0-%ea%b4%80%eb%a6%ac%eb%a5%bc-%ec%9c%84%ed%95%9c-%ec%8b%a4%ec%a0%84-%ec%a0%84%eb%9e%b5-MEXUaupNAE\">\uc139\uc158 4. \uc7a5\uae30 \uc7ac\ud14c\ud06c \ubc0f \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud55c \uc2e4\uc804 \uc804\ub7b5<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"20%eb%8c%80%eb%b6%80%ed%84%b0-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%ec%a3%bc%ec%8b%9d-%ed%88%ac%ec%9e%90-%ec%95%88%ec%a0%84%ed%95%98%ea%b2%8c-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%eb%b2%95-MEXUaupNAE\">20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc8fc\uc2dd \ud22c\uc790, \uc548\uc804\ud558\uac8c \uc2dc\uc791\ud558\ub294 \ubc95<\/title><\/p>\n<h1 id=\"20%eb%8c%80%eb%b6%80%ed%84%b0-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%ec%a3%bc%ec%8b%9d-%ed%88%ac%ec%9e%90-%ec%95%88%ec%a0%84%ed%95%98%ea%b2%8c-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%eb%b2%95-MEXUaupNAE\">20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc8fc\uc2dd \ud22c\uc790, \uc548\uc804\ud558\uac8c \uc2dc\uc791\ud558\ub294 \ubc95<\/h1>\n<p>\ub9ce\uc740 20\ub300 \uccad\ub144\ub4e4\uc774 \uacbd\uc81c\uc801 \ub3c5\ub9bd\uacfc \ubbf8\ub798\uc758 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud574 \uc8fc\uc2dd \ud22c\uc790\uc5d0 \uad00\uc2ec\uc744 \uac16\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub9c9\uc5f0\ud55c \ud22c\uc790 \uc5f4\uc758\uc640 \ud568\uaed8 \ubb34\uc791\uc815 \ub6f0\uc5b4\ub4e4 \uacbd\uc6b0 \ud070 \uc704\ud5d8\uc5d0 \ub178\ucd9c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc740 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc774\ud574\ubd80\ud130 \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uc804\ub7b5, \ucd5c\uc2e0 \ub3d9\ud5a5 \ubc0f \uc0ac\ub840\uc5f0\uad6c, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0\uad00\ub9ac\uae4c\uc9c0 \ub2e4\uc591\ud55c \uad00\uc810\uc5d0\uc11c \uc548\uc804\ud558\uace0 \uc131\uacf5\uc801\uc778 \ud22c\uc790\ub97c \uc704\ud55c \uc804\ub7b5\uacfc \ubc29\ubc95\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uc774 \uae00\uc744 \ud1b5\ud574 \ub3c5\uc790\ub4e4\uc740 \uae30\ubcf8\uc801\uc778 \uc8fc\uc2dd\uc2dc\uc7a5 \uc774\ud574\ubfd0 \uc544\ub2c8\ub77c, \uc2e4\uc81c \uc0ac\ub840\uc640 \ud1b5\uacc4\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc2e4\uc9c8\uc801 \uc870\uc5b8\uc744 \ubc1b\uc744 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc2dd \ud22c\uc790\ub294 \ub2e8\uc21c\ud55c \ub3c8 \ubc84\ub294 \uc218\ub2e8\uc744 \ub118\uc5b4 \uc790\uc2e0\uc758 \uae08\uc735 \uc9c0\uc2dd\uc744 \uc313\uace0 \uacbd\uc81c\uc640 \uae08\uc735\uc758 \ud750\ub984\uc744 \uc77d\ub294 \uadc0\uc911\ud55c \uacbd\ud5d8\uc785\ub2c8\ub2e4. \ud2b9\ud788 20\ub300\uc640 \uac19\uc774 \ud22c\uc790 \uae30\uac04\uc774 \uae34 \ud22c\uc790\uc790\ub4e4\uc740 \ubcf5\ub9ac \ud6a8\uacfc\uc640 \uc7a5\uae30 \uc131\uc7a5\uc758 \ud798\uc744 \uacbd\ud5d8\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \uc870\uae30 \uc2dc\uc791\uc774 \ub9e4\uc6b0 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubb34\ud131\ub300\uace0 \uc2dc\uc791\ud558\uae30\ubcf4\ub2e4\ub294 \ucca0\uc800\ud55c \uc0ac\uc804 \ud559\uc2b5\uacfc \uc2dc\uc7a5 \ub3d9\ud5a5 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ub294 \uc804\ub7b5 \uc218\ub9bd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uae00\uc740 \uc8fc\uc2dd \ud22c\uc790\uc5d0 \ub300\ud55c \uc885\ud569\uc801\uc778 \uac00\uc774\ub4dc\ub85c\uc11c, \uc804\ubb38\uc801\uc778 \ubd84\uc11d\uacfc \ucd5c\uc2e0 \ub3d9\ud5a5, \uc2e4\uc81c \uc0ac\ub840\ub97c \ubc14\ud0d5\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc5c5\uacc4\uc758 \uc5ec\ub7ec \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uc2dc\ud558\ub294 \uc804\ub7b5\uacfc \uc8fc\uc758\uc0ac\ud56d, \uadf8\ub9ac\uace0 \ud22c\uc790 \uc131\uacf5 \ubc0f \uc2e4\ud328 \uc0ac\ub840\ub4e4\uc744 \uc885\ud569\ud558\uc5ec \uc548\uc804\ud55c \ud22c\uc790\ub97c \uc704\ud55c \uba85\ud655\ud558\uace0 \uad6c\uccb4\uc801\uc778 \ub85c\ub4dc\ub9f5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ubcf8 \uae00\uc758 \ub0b4\uc6a9\uc740 \uc8fc\uc2dd \ud22c\uc790\ub97c \ucc98\uc74c \uc811\ud558\ub294 \ubd84\ubfd0 \uc544\ub2c8\ub77c \uc774\ubbf8 \ud22c\uc790 \uc911\uc778 20\ub300 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub3c4 \uc720\uc775\ud55c \uc815\ubcf4\ub85c \uc791\uc6a9\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0\uc774\ub098 \ubd88\ud655\uc2e4\uc131\uc744 \ud574\uc18c\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc6b0\uc120 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574\uc640 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc6d0\uce59\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790 \ucd08\uae30\uc5d0 \uacaa\uc744 \uc218 \uc788\ub294 \ubcc0\ub3d9\uc131\uacfc \uc190\uc2e4 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \uac10\uc815 \ud1b5\uc81c\ub2a5\ub825\uc744 \uae30\ub974\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uae30\ucd08 \uac1c\ub150\ubd80\ud130 \uc2dc\uc791\ud558\uc5ec, \ud22c\uc790 \uc2ec\ub9ac, \uc804\ub7b5 \uc124\uc815, \uc2dc\uc7a5 \ubaa8\ub2c8\ud130\ub9c1, \uadf8\ub9ac\uace0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uae4c\uc9c0 \ub2e8\uacc4\ubcc4\ub85c \uc124\uba85\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \uac8c\uc2dc\uae00\uc740 \ud06c\uac8c \ub124 \uac1c\uc758 \uc139\uc158\uc73c\ub85c \ub098\ub204\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc8fc\uc2dd\uc2dc\uc7a5 \ubc0f \uae30\ubcf8 \uac1c\ub150\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8f9\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ud6a8\uacfc\uc801\uc774\uace0 \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc704\ud5d8 \uad00\ub9ac \ubc29\ubc95\uc5d0 \ub300\ud574 \uc124\uba85\ud569\ub2c8\ub2e4. \uc138 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5\uacfc \uc2e4\uc81c \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \ud22c\uc790 \uc804\ub7b5\uc758 \uac1c\uc120 \ubc29\ud5a5\uc744 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \ub124 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30 \uc7ac\ud14c\ud06c \ubc0f \uc790\uc0b0 \uad00\ub9ac\uc5d0 \uad00\ud55c \uc2e4\uc804 \uc804\ub7b5\uacfc \ub178\ud558\uc6b0\ub97c \uc18c\uac1c\ud569\ub2c8\ub2e4.<\/p>\n<p>\uac01 \uc139\uc158\uc740 \ub3c5\uc790\ub4e4\uc774 \uc2e4\uc81c\ub85c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \uad6c\uccb4\uc801\uc778 \ubc29\ubc95\ub860\uacfc \uc218\uce58 \ub370\uc774\ud130, \uadf8\ub9ac\uace0 \uae08\uc735 \uc2dc\uc2a4\ud15c \uc804\ubc18\uc5d0 \uac78\uce5c \uae4a\uc774 \uc788\ub294 \ubd84\uc11d\uc744 \ud3ec\ud568\ud558\uace0 \uc788\uc5b4, \ud22c\uc790\uc5d0 \ud544\uc694\ud55c \uc804\ubc18\uc801\uc778 \uc9c0\uc2dd\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc2b5\ub4dd\ud560 \uc218 \uc788\ub3c4\ub85d \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc55e\uc73c\ub85c\uc758 \ub0b4\uc6a9\uc5d0\uc11c\ub294 \uc8fc\uc2dd \ud22c\uc790\uc758 \uc548\uc815\uc131\uacfc \uc131\uc7a5\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud558\ub294 \ubc29\ubc95, \uc55e\uc11c \uc5b8\uae09\ud55c 20\ub300 \ud22c\uc790\uc790\uc5d0\uac8c \ud2b9\ud788 \uc720\ub9ac\ud55c \uc7a5\uc810\uc744 \uc0c1\uc138\ud788 \uc124\uba85\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae00\uc744 \ub9c8\uce58\uae30 \uc804\uc5d0, \ud22c\uc790\uc5d0\ub294 \ud56d\uc0c1 \uc704\ud5d8\uc774 \ub530\ub974\uae30 \ub54c\ubb38\uc5d0 \ubaa8\ub4e0 \uc815\ubcf4\uc640 \uc804\ub7b5\uc774 \uac1c\ubcc4 \ud22c\uc790 \ud658\uacbd\uc5d0 \ub9de\uac8c \uc870\uc815\ub418\uc5b4\uc57c \ud568\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc740 \ubcf8 \uae00\uc5d0\uc11c \uc81c\uc2dc\ud558\ub294 \uac00\uc774\ub4dc\ub77c\uc778\uc744 \ubc14\ud0d5\uc73c\ub85c \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uace0, \uafb8\uc900\ud55c \uacf5\ubd80\uc640 \uacbd\ud5d8\uc744 \ud1b5\ud574 \ub354\uc6b1 \uc131\uc7a5\ud558\ub294 \ud22c\uc790\uc790\uac00 \ub418\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\uc544\uc6b8\ub7ec \ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc778\uacf5\uc9c0\ub2a5, \ube45\ub370\uc774\ud130, \ube14\ub85d\uccb4\uc778 \ub4f1 \ucca8\ub2e8 \uae30\uc220\uc758 \ub3c4\uc785\uc73c\ub85c \uc8fc\uc2dd \ud22c\uc790 \ud658\uacbd\uc774 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \ud22c\uc790 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\ub294 \ub3d9\uc2dc\uc5d0, \uc0c8\ub85c\uc6b4 \uc704\ud5d8\uc694\uc18c \uc5ed\uc2dc \ub0b4\ud3ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud22c\uc790\uc790\ub4e4\uc740 \ucd5c\uc2e0 \ub3d9\ud5a5\uc5d0 \uc9c0\uc18d\uc801\uc73c\ub85c \uad00\uc2ec\uc744 \uac00\uc9c0\uba70, \uadf8\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \uafb8\uc900\ud788 \uc5c5\ub370\uc774\ud2b8\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ec%a3%bc%ec%8b%9d%ec%8b%9c%ec%9e%a5-%ec%9d%b4%ed%95%b4%ec%99%80-%ea%b8%b0%eb%b3%b8-%ec%a7%80%ec%8b%9d-MEXUaupNAE\">\uc139\uc158 1. \uc8fc\uc2dd\uc2dc\uc7a5 \uc774\ud574\uc640 \uae30\ubcf8 \uc9c0\uc2dd<\/h2>\n<p>\uc8fc\uc2dd\uc2dc\uc7a5\uc740 \uc218\ub9ce\uc740 \uae30\uc5c5\ub4e4\uc774 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uae30 \uc704\ud574 \uc8fc\uc2dd\uc744 \ubc1c\ud589\ud558\uace0, \ud22c\uc790\uc790\ub4e4\uc774 \uc774\ub4e4\uc758 \ubbf8\ub798 \uc131\uc7a5 \uac00\ub2a5\uc131\uc5d0 \ud22c\uc790\ud558\ub294 \ubcf5\uc7a1\ud558\uace0 \ub2e4\uce35\uc801\uc778 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \uc8fc\uc2dd\uc2dc\uc7a5\uc740 \ub2e8\uc21c\ud788 \uc8fc\uc2dd\uc758 \uac70\ub798\ub9cc\uc774 \uc544\ub2c8\ub77c, \uacbd\uc81c \uc804\ubc18\uc758 \ubcc0\ub3d9\uc131, \uc815\uce58\uc801 \uc694\uc778, \uad6d\uc81c \uc815\uc138, \uae30\uc220 \ubc1c\uc804 \ub4f1 \ub2e4\uc591\ud55c \uc694\uc18c\uc5d0 \uc758\ud574 \uc601\ud5a5\uc744 \ubc1b\uc2b5\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \ud658\uacbd\uc744 \ucda9\ubd84\ud788 \uc774\ud574\ud55c \ud6c4 \uccb4\uacc4\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ucc44\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800, \uc8fc\uc2dd\uc758 \uae30\ubcf8 \uac1c\ub150\ubd80\ud130 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4. \uc8fc\uc2dd\uc740 \uae30\uc5c5\uc758 \uc18c\uc720\uad8c\uc744 \uc758\ubbf8\ud558\uba70, \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud55c \ud22c\uc790\uc790\ub294 \ud574\ub2f9 \uae30\uc5c5\uc758 \uc774\uc775 \ubc30\ub2f9\uc774\ub098 \uc8fc\uac00 \uc0c1\uc2b9\uc5d0 \ub530\ub978 \uc790\ubcf8 \uc774\ub4dd\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\uc758 \uac00\uce58\ub294 \uae30\uc5c5\uc758 \uc7ac\ubb34 \uc0c1\ud0dc, \uc2dc\uc7a5 \ub0b4 \uacbd\uc7c1 \uc0c1\ud669, \uc2e0\uc81c\ud488 \ucd9c\uc2dc\uc5d0 \ub530\ub978 \uc131\uc7a5 \uc804\ub9dd \ub4f1 \uc5ec\ub7ec \uc694\uc778\uc73c\ub85c \uacb0\uc815\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc \uba87 \ub144\uac04 IT \ubd84\uc57c\uc758 \uae09\uc131\uc7a5\uc774 \uc788\ub358 \uac00\uc6b4\ub370, \ud574\ub2f9 \uc139\ud130\uc758 \uae30\uc5c5\ub4e4\uc740 \ub192\uc740 \uc131\uc7a5\ub960\uacfc \uc8fc\uac00 \uc0c1\uc2b9\ub960\uc744 \ubcf4\uc774\uba70 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uae0d\uc815\uc801\uc778 \uc2e0\ud638\ub97c \uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc8fc\uc2dd\uc2dc\uc7a5\uc744 \uc774\ud574\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc5ec\ub7ec \uac00\uc9c0 \uae30\ubcf8 \uc9c0\ud45c\ub97c \uc219\uc9c0\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. PER(\uc8fc\uac00\uc218\uc775\ube44\uc728), PBR(\uc8fc\uac00\uc21c\uc790\uc0b0\ube44\uc728), ROE(\uc790\uae30\uc790\ubcf8\uc774\uc775\ub960) \ub4f1\uc740 \uae30\uc5c5\uc758 \uc7ac\ubb34 \uac74\uc804\uc131\uacfc \ubbf8\ub798 \uc804\ub9dd\uc744 \ud3c9\uac00\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, PER\uc774 \ub0ae\uace0 ROE\uac00 \ub192\uc740 \uae30\uc5c5\ub4e4\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc131\uc7a5\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \uc6b0\ub7c9\uc8fc\ub85c \ud3c9\uac00\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc5d0\ub294 \ud06c\uac8c \uae30\ubcf8\uc801 \ubd84\uc11d\uacfc \uae30\uc220\uc801 \ubd84\uc11d \ub450 \uac00\uc9c0 \uc8fc\uc694 \uc811\uadfc\ubc95\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uae30\ubcf8\uc801 \ubd84\uc11d\uc740 \uae30\uc5c5\uc758 \uc7ac\ubb34\uc81c\ud45c, \uc0b0\uc5c5 \ub3d9\ud5a5, \uacbd\uc81c \uc9c0\ud45c \ub4f1\uc744 \uc885\ud569\ud558\uc5ec \uae30\uc5c5\uc758 \uac00\uce58\ub97c \ud310\ub2e8\ud558\ub294 \uac83\uc774\ub77c\uba74, \uae30\uc220\uc801 \ubd84\uc11d\uc740 \ucc28\ud2b8\ub97c \uae30\ubc18\uc73c\ub85c \uc8fc\uac00 \ubcc0\ub3d9 \ud328\ud134\uacfc \uac70\ub798\ub7c9, \uc774\ub3d9\ud3c9\uade0\uc120 \ub4f1\uc744 \ubd84\uc11d\ud558\uc5ec \ubbf8\ub798 \uc8fc\uac00\ub97c \uc608\uce21\ud569\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \ucc98\uc74c\uc5d0\ub294 \uae30\ubcf8\uc801\uc778 \uc7ac\ubb34 \uc9c0\ud45c\uc640 \ub274\uc2a4, \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \uae30\uc5c5\uc758 \ud604\ud669\uc744 \ud30c\uc545\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub450\uace0, \uc774\ud6c4 \uae30\uc220\uc801 \ubd84\uc11d \ub3c4\uad6c\ub4e4\uc744 \ud65c\uc6a9\ud568\uc73c\ub85c\uc368 \ubcf4\ub2e4 \uc815\uad50\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uac1c\ub150\uc740 \ubd84\uc0b0 \ud22c\uc790\uc785\ub2c8\ub2e4. \ud55c \uc885\ubaa9\uc774\ub098 \uc0b0\uc5c5\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0, \uc608\uc0c1\uce58 \ubabb\ud55c \ubd80\uc815\uc801\uc778 \uc0ac\uac74\uc774 \ubc1c\uc0dd\ud560 \ub54c \ud070 \uc190\uc2e4\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ub54c\ubb38\uc5d0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc704\ud5d8\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc5ec\ub7ec \uc885\ubaa9\uacfc \uc0b0\uc5c5\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2020\ub144 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uc77c\ubd80 \uc0b0\uc5c5\uc740 \uae09\uaca9\ud55c \ud558\ub77d\uc744 \uacaa\uc5c8\uc9c0\ub9cc, \uae30\uc220 \ubc0f \ud5ec\uc2a4\ucf00\uc5b4 \uc0b0\uc5c5\uc740 \uc624\ud788\ub824 \uc218\ud61c\ub97c \uc785\uc5b4 \ub2e8\uae30\uc801\uc778 \ubcc0\ub3d9\uc131\uc744 \uadf9\ubcf5\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad6d\ub0b4\uc678 \uc99d\uad8c\uc2dc\uc7a5\uc758 \ucc28\uc774\uc810\uacfc \ud2b9\uc131 \uc5ed\uc2dc \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \ud55c\uad6d \uc8fc\uc2dd\uc2dc\uc7a5\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uc911\uc18c\ud615\uc8fc\uc640 \uae30\uc220\uc8fc \ube44\uc911\uc774 \ud06c\uba70, \uc815\ubd80 \uc815\ucc45\uc774\ub098 \ub300\ub0b4\uc678 \uc815\uce58\uc801 \uc694\uc778\uc758 \uc601\ud5a5\uc744 \ubbfc\uac10\ud558\uac8c \ubc1b\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \ubbf8\uad6d, \uc720\ub7fd \ub4f1 \ud574\uc678\uc2dc\uc7a5\uc740 \uae30\uc5c5\uc758 \uaddc\ubaa8\ub098 \ud601\uc2e0 \uc131\uacfc\uc5d0 \ub530\ub77c \uc8fc\uac00\uac00 \uacb0\uc815\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uace0, \uae00\ub85c\ubc8c \uacbd\uc81c \uc0c1\ud669\uc774 \uc911\uc694\ud55c \ubcc0\uc218\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc774\ub7f0 \ucc28\uc774\ub294 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4 \ub9e4\uc6b0 \uc911\uc694\ud55c \uace0\ub824\uc0ac\ud56d\uc774\uba70, 20\ub300 \ud22c\uc790\uc790\uac00 \uc7a5\uae30\uc801\uc778 \uc2dc\uac01\uc73c\ub85c \uae00\ub85c\ubc8c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \ub54c \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uba87 \ub144\uac04\uc758 \ud1b5\uacc4\ub97c \ubcf4\uba74, \uc7a5\uae30 \ud22c\uc790\uc790\ub4e4\uc758 \uacbd\uc6b0 \ud3c9\uade0 \uc5f0\uac04 \uc218\uc775\ub960\uc774 7~10% \uc815\ub3c4\ub97c \uae30\ub85d\ud558\ub294 \ubc18\uba74, \ub2e8\uae30 \ud22c\uc790\uc790\uc758 \uacbd\uc6b0 \ubcc0\ub3d9\uc131\uc774 \ud06c\uace0 \uc608\uce21 \ubd88\uac00\ub2a5\ud55c \uc694\uc18c\uac00 \ub9ce\uc544 \ud3c9\uade0 \uc218\uc775\ub960\uc774 \ub0ae\uc740 \uacbd\ud5a5\uc774 \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \ubbf8\uad6d\uc758 \uacbd\uc6b0 S&amp;P 500 \uc9c0\uc218\ub294 \uc9c0\ub09c \uc218\uc2ed \ub144\uac04 \uafb8\uc900\ud55c \uc0c1\uc2b9\uc138\ub97c \ubcf4\uc600\uc73c\uba70, \uc7a5\uae30 \ud22c\uc790 \uc2dc \ubcf5\ub9ac\uc758 \ud798\uc744 \uc785\uc99d\ud574 \uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \ud1b5\uacc4 \ub370\uc774\ud130\ub294 20\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc73c\ub85c \ud22c\uc790\ub97c \uc9c4\ud589\ud574\uc57c \ud558\ub294 \uc774\uc720\ub97c \uba85\ud655\ud558\uac8c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ucd08\uae30\uc5d0 \ubc18\ub4dc\uc2dc \uc54c\uc544\uc57c \ud560 \ub610 \ub2e4\ub978 \uc694\uc18c\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\uc801\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5b4\ub5a4 \ud22c\uc790\uc790\ub294 \ub2e8\uae30\uc801\uc778 \uc790\ubcf8 \uc774\ub4dd\uc744 \ub178\ub9ac\ub294 \ubc18\uba74, \ub610 \ub2e4\ub978 \ud22c\uc790\uc790\ub294 \uae30\uc5c5\uc758 \uac00\uce58 \uc131\uc7a5\uacfc \ubc30\ub2f9 \uc218\uc775\uc744 \uc911\uc2dc\ud558\ub294 \uc7a5\uae30 \ud22c\uc790\uc790\ub85c \ub098\ub269\ub2c8\ub2e4. \uc2a4\uc2a4\ub85c\uc758 \ud22c\uc790 \uc131\ud5a5\uc744 \uac1d\uad00\uc801\uc73c\ub85c \uc9c4\ub2e8\ud55c \ud6c4, \uc774\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \uc131\uacf5\uc801\uc778 \ud22c\uc790\uc758 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc2ec\ub9ac \ud14c\uc2a4\ud2b8\ub098 \ud22c\uc790 \uc131\ud5a5 \uc124\ubb38\uc9c0 \ub4f1\uc744 \ud65c\uc6a9\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc804\ub7b5\uc744 \ucc3e\uc544\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc744 \uadf9\ubcf5\ud558\ub294 \uac00\uc7a5 \uc911\uc694\ud55c \ubc29\ubc95 \uc911 \ud558\ub098\ub294 \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uc815\ubcf4 \uc5c5\ub370\uc774\ud2b8\uc785\ub2c8\ub2e4. \uae08\uc735 \uad00\ub828 \uc11c\uc801, \uac01\uc885 \uc628\ub77c\uc778 \uac15\uc88c, \uadf8\ub9ac\uace0 \uc99d\uad8c\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8 \ub4f1\uc744 \ud1b5\ud574 \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ub3d9\ud5a5\uacfc \ucd5c\uc2e0 \ud22c\uc790 \uc804\ub7b5, \uadf8\ub9ac\uace0 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ubc95\uc744 \uafb8\uc900\ud788 \ud559\uc2b5\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc815\ubcf4 \ucd9c\ucc98\uc640 \uc804\ubb38\uac00 \uc778\ud130\ubdf0, \uadf8\ub9ac\uace0 \uc2e4\uc81c \ud22c\uc790 \uc0ac\ub840\ub97c \ubd84\uc11d\ud568\uc73c\ub85c\uc368, \ub3c5\uc790\ub4e4\uc740 \ub2e8\uc21c\ud55c \uc774\ub860 \uc774\uc0c1\uc758 \uc2e4\uc9c8\uc801\uc778 \ub178\ud558\uc6b0\ub97c \uc313\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \ub300\ud55c \uae30\ubcf8 \uc9c0\uc2dd\uc744 \ub2e8\uae30\uac04\uc5d0 \uc2b5\ub4dd\ud558\uae30\ubcf4\ub2e4\ub294, \uafb8\uc900\ud788 \uacbd\ud5d8\uacfc \ud568\uaed8 \ubc1c\uc804\uc2dc\ucf1c \ub098\uac00\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790 \uc2e4\ud328\uc758 \uacbd\ud5d8\ub3c4 \uac12\uc9c4 \ud559\uc2b5 \uc790\ub8cc\uac00 \ub420 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ucc28\ud6c4\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \ubcf4\uc644\ud558\ub294 \uae30\ud68c\ub85c \uc0bc\uc544\uc57c \ud569\ub2c8\ub2e4. \ubd84\uba85\ud55c \uac83\uc740, \uc8fc\uc2dd\uc2dc\uc7a5\uc740 \ub2e8\uae30\uc801\uc778 \uc774\uc775\ubcf4\ub2e4\ub294 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uacfc \uafb8\uc900\ud55c \ud559\uc2b5, \uadf8\ub9ac\uace0 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \ubd84\uc57c\ub77c\ub294 \uc0ac\uc2e4\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc804\ubc18\uc801\uc778 \uc774\ud574\uc640 \uae30\ucd08 \uc9c0\uc2dd\uc744 \ud655\uc2e4\ud788 \ud568\uc73c\ub85c\uc368 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \ud22c\uc790 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uc694\uc18c\ub4e4\uc774 \ud63c\uc7ac\ud558\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0\uc11c\ub3c4, \uccb4\uacc4\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uacfc \uafb8\uc900\ud55c \uc790\uae30\uacc4\ubc1c\uc744 \ud1b5\ud574 \uc704\ud5d8\uc740 \uc904\uc774\uace0 \uc218\uc775\uc740 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uacbd\uc81c\uc801 \uc790\uc720\uc640 \ubbf8\ub798\uc758 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc2e4\ud604\ud560 \uc218 \uc788\ub294 \ud1a0\ub300\ub97c \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ed%88%ac%ec%9e%90%ec%a0%84%eb%9e%b5-%eb%b0%8f-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac%ec%9d%98-%ea%b8%b0%eb%b3%b8-MEXUaupNAE\">\uc139\uc158 2. \ud22c\uc790\uc804\ub7b5 \ubc0f \uc704\ud5d8 \uad00\ub9ac\uc758 \uae30\ubcf8<\/h2>\n<p>\uc8fc\uc2dd \ud22c\uc790\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\ub294 \ubc14\ub85c \uc81c\ub300\ub85c \ub41c \ud22c\uc790\uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uace0, \uc774\uc5d0 \ub530\ub978 \uc704\ud5d8 \uad00\ub9ac \ubc29\uc548\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub294 \uc544\uc9c1 \ud22c\uc790 \uacbd\ud5d8\uc774 \ubd80\uc871\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uccb4\uacc4\uc801\uc774\uace0 \uc548\uc804\ud55c \uc804\ub7b5 \uc218\ub9bd\uc774 \ud22c\uc790 \uc131\uacf5\uc758 \uc5f4\uc1e0\uac00 \ub429\ub2c8\ub2e4. \ubcf8 \uc139\uc158\uc5d0\uc11c\ub294 \ud22c\uc790\uc804\ub7b5\uc758 \uae30\ubcf8 \uac1c\ub150\uacfc \ud568\uaed8, \ub2e4\uc591\ud55c \uc0c1\ud669\uc5d0\uc11c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uc704\ud5d8\uc744 \uc5b4\ub5bb\uac8c \uc778\uc9c0\ud558\uace0 \uad00\ub9ac\ud560 \uc218 \uc788\ub294\uc9c0 \uad6c\uccb4\uc801\uc73c\ub85c \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \ud22c\uc790 \ubaa9\ud45c\uc640 \uc804\ub7b5 \uc218\ub9bd\uc758 \uc911\uc694\uc131\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ubaa9\ud45c\ub294 \ub2e8\uc21c\ud788 \ub2e8\uae30 \uc774\uc775\ubfd0 \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc7ac\uc0b0 \uc99d\uc2dd\uacfc \uc548\uc815\uc801\uc778 \uc218\uc775 \ucc3d\ucd9c\uc744 \ubaa8\ub450 \ud3ec\ud568\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc815\uae30\uc801\uc778 \ubc30\ub2f9 \uc218\uc775\uc744 \ud1b5\ud55c \uc548\uc815\uc801\uc778 \ud604\uae08 \ud750\ub984 \ud655\ubcf4\uc640, \uc8fc\uac00 \uc0c1\uc2b9\uc744 \ud1b5\ud55c \uc790\ubcf8 \uc774\ub4dd\uc744 \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud558\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uba3c\uc800 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669, \ud22c\uc790 \uae30\uac04, \uadf8\ub9ac\uace0 \uc704\ud5d8 \uac10\ub0b4 \uc218\uc900\uc744 \uba85\ud655\ud788 \ud30c\uc545\ud55c \ud6c4 \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc804\ub7b5\uc740 \ud06c\uac8c \uc138 \uac00\uc9c0 \ubc94\uc8fc\ub85c \ub098\ub20c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uac00\uce58 \ud22c\uc790(Value Investing)\ub294 \uae30\uc5c5\uc758 \ub0b4\uc7ac\uc801 \uac00\uce58\ub97c \ubd84\uc11d\ud558\uc5ec \uacfc\uc18c\ud3c9\uac00\ub41c \uc8fc\uc2dd\uc744 \ubc1c\uad74\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c, \uc6cc\ub80c \ubc84\ud54f(Warren Buffett)\uacfc \uac19\uc740 \uc720\uba85 \ud22c\uc790\uc790\ub4e4\uc774 \ub530\ub974\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4. \ub458\uc9f8, \uc131\uc7a5 \ud22c\uc790(Growth Investing)\ub294 \ub192\uc740 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uc720\ud55c \uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uae30\uc220\uc8fc\ub098 \ubc14\uc774\uc624 \uc8fc\uc2dd \ub4f1\uc774 \uc774\uc5d0 \ud574\ub2f9\ub418\ub294\ub370, \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \ub192\uc740 \ubcc0\ub3d9\uc131\uacfc \ub9ac\uc2a4\ud06c\ub97c \ub0b4\ud3ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \ubc30\ub2f9 \ud22c\uc790(Dividend Investing)\ub294 \uc548\uc815\uc801\uc778 \ubc30\ub2f9 \uc9c0\uae09 \uae30\ub85d\uc744 \uac00\uc9c4 \uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\uc5ec \uc815\uae30\uc801\uc778 \uc18c\ub4dd\uc744 \ud655\ubcf4\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc774 \uc138 \uac00\uc9c0 \uc804\ub7b5\uc740 \uc11c\ub85c \ubcf4\uc644\uc801\uc77c \uc218 \uc788\uc73c\uba70, \ubd84\uc0b0 \ud22c\uc790\ub97c \ud1b5\ud574 \ud55c \uac00\uc9c0 \uc804\ub7b5\uc5d0\ub9cc \uc758\uc874\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ub178\ub9ac\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc704\ud5d8 \uad00\ub9ac\uc758 \ud544\uc694\uc131\uc740 \uc544\ubb34\ub9ac \uac15\uc870\ud574\ub3c4 \uc9c0\ub098\uce58\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \uc608\uce21 \ubd88\uac00\ub2a5\ud55c \ubcc0\uc218\ub4e4\uc774 \ub9ce\uace0, \uc678\ubd80 \ucda9\uaca9\uc774\ub098 \uc0ac\uac74\uc5d0 \uc758\ud574 \uae09\uaca9\ud558\uac8c \ubcc0\ub3d9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ub54c\ubb38\uc5d0 \ud22c\uc790\uc790\ub294 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc190\uc2e4 \ubc94\uc704\ub97c \ubbf8\ub9ac \uc815\ud574\ub193\uace0, \uc774\ub97c \uc900\uc218\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \u2018\uc190\uc808\ub9e4(stop-loss)\u2019 \uae30\ubc95\uc740 \uc8fc\uac00\uac00 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1 \ud558\ub77d\ud558\uba74 \uc790\ub3d9\uc73c\ub85c \ub9e4\ub3c4\ud558\uc5ec \ucd94\uac00 \uc190\uc2e4\uc744 \ubc29\uc9c0\ud558\ub294 \uc804\ub7b5\uc778\ub370, \uc774\ub294 \uc704\ud5d8 \uad00\ub9ac\uc758 \ub300\ud45c\uc801\uc778 \uc0ac\ub840\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4 \uc790\uc0b0 \ubc30\ubd84 \uc5ed\uc2dc \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \ud575\uc2ec \uc694\uc18c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, ETF \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uba74 \ud2b9\uc815 \uc790\uc0b0\uad70\uc758 \uae09\uaca9\ud55c \ud558\ub77d\uc5d0 \ub530\ub978 \uc804\ubc18\uc801\uc778 \uc190\uc2e4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uacfc \uac19\uc740 \ubaa9\ub85d\uc744 \ud1b5\ud574 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc758 \ub300\ud45c\uc801\uc778 \uc0ac\ub840\ub97c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uad6d\ub0b4 \uc8fc\uc2dd: \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \ubc30\ub2f9 \uc218\uc775\uacfc \ub2e8\uae30\uc801\uc778 \uac70\ub798 \uc774\uc775 \ub178\ub9bc<\/li>\n<li>\ud574\uc678 \uc8fc\uc2dd: \uae00\ub85c\ubc8c \uc131\uc7a5 \ub3d9\ud5a5\uc5d0 \ub530\ub978 \uc7a5\uae30 \uc790\uc0b0 \uc99d\uc2dd<\/li>\n<li>\ucc44\uad8c \ubc0f \uad6d\ucc44: \uc548\uc815\uc801\uc778 \uc774\uc790 \uc218\uc775\uacfc \uc704\ud5d8 \ud5f7\uc9c0 \uc5ed\ud560<\/li>\n<li>ETF: \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ub300\ud55c \uac04\uc811 \ud22c\uc790\uc640 \ub0ae\uc740 \uc6b4\uc6a9 \ube44\uc6a9<\/li>\n<\/ul>\n<p>\uc704\uc640 \uac19\uc740 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc740 \uac01 \ud22c\uc790\uc790\uc758 \uc704\ud5d8 \uac10\ub0b4 \uc218\uc900\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \ub2e4\ub974\uac8c \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \ucc44\ud0dd\ud55c \ud22c\uc790\uc790\ub4e4\uc758 \ud3c9\uade0 \uc190\uc2e4\ub960\uc740 \uc804\ud3ed\uc801\uc778 \ub2e8\uc77c \ud22c\uc790\uc790\ubcf4\ub2e4 35% \uc774\uc0c1 \ub0ae\uc740 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc73c\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubd84\uc0b0 \ud22c\uc790\uc758 \ud6a8\uacfc\ub97c \uba85\ud655\ud558\uac8c \uc785\uc99d\ud558\ub294 \ub370\uc774\ud130\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ud22c\uc790\uc790\ub294 \ud56d\uc0c1 \uc815\ubcf4\uc5d0 \uae30\ubc18\ud55c \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub824\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uc2e0 \uc774\uc288\uc640 \uacbd\uc81c \uc9c0\ud45c, \uae30\uc5c5\uc758 \uc7ac\ubb34 \ubcf4\uace0\uc11c, \ubd84\uc11d\uac00\uc758 \uc758\uacac \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uac80\ud1a0\ud55c \ud6c4 \uacb0\uc815\uc744 \ub0b4\ub824\uc57c \ud558\uba70, \ub2e8\uc21c\ud788 \uc18c\ubb38\uc774\ub098 \uac10\uc815\uc5d0 \uc758\uc874\ud55c \ud22c\uc790 \uacb0\uc815\uc744 \uc9c0\uc591\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc8fc\uc2dd \uad00\ub828 \ud3ec\ud138 \uc0ac\uc774\ud2b8, \uc99d\uad8c\uc0ac \ub9ac\ud3ec\ud2b8, \uae08\uc735 \uc804\ubb38\uac00\uc758 \uce7c\ub7fc \ub4f1\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778\ud558\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc804\ub7b5 \uc218\ub9bd\uacfc \ud568\uaed8 \uae30\uc220\uc801 \ubd84\uc11d \ub3c4\uad6c\uc758 \ud65c\uc6a9\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \ucc28\ud2b8 \ubd84\uc11d, \uc774\ub3d9\ud3c9\uade0\uc120, \uac70\ub798\ub7c9 \ud328\ud134, \ubcfc\ub9b0\uc800 \ubc34\ub4dc \ub4f1 \ub2e4\uc591\ud55c \ub3c4\uad6c\ub4e4\uc744 \ud1b5\ud574 \uc8fc\uc2dd\uc758 \uac00\uaca9 \ubcc0\ub3d9 \ucd94\uc138\ub97c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc220\uc801 \ubd84\uc11d\uc744 \ubcf4\uc870 \uc218\ub2e8\uc73c\ub85c \ud65c\uc6a9\ud568\uc73c\ub85c\uc368, \ud22c\uc790\uc790\ub4e4\uc740 \ubcf4\ub2e4 \uc815\uad50\ud55c \ub9e4\uc218\/\ub9e4\ub3c4 \ud0c0\uc774\ubc0d\uc744 \uc7a1\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ub9ac\uc2a4\ud06c\ub97c \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc790\ub4e4\uc758 \uc2ec\ub9ac\uc801 \uc694\uc18c \uc5ed\uc2dc \ud22c\uc790 \uc131\uacf5 \uc5ec\ubd80\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uacf5\ud3ec\uc640 \ud0d0\uc695\uc740 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c \ud754\ud788 \ub098\ud0c0\ub098\ub294 \uac10\uc815\uc73c\ub85c, \uc774\uc5d0 \ub300\ud55c \uc778\uc9c0\uc640 \uad00\ub9ac\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2ec\ub9ac\uc801 \uc548\uc815\uacfc \uc790\uae30 \ud1b5\uc81c\ub825 \uac15\ud654\ub97c \uc704\ud574, \ud22c\uc790 \uc804 \ubc18\ub4dc\uc2dc \ubcf8\uc778\uc758 \uac10\uc815 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \uba85\ud655\ud55c \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6cc \ub450\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uac10\uc815\uc801 \ub9e4\ub9e4\ub97c \ubc29\uc9c0\ud558\uace0, \ubcf4\ub2e4 \uac1d\uad00\uc801\uc778 \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc9c0\uc18d\uc801\uc778 \ud22c\uc790 \uad50\uc721\uacfc \uacbd\ud5d8 \ucd95\uc801\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \uad50\uc721 \uc138\ubbf8\ub098, \ud22c\uc790 \ub3d9\ud638\ud68c \ucc38\uc5ec, \uadf8\ub9ac\uace0 \uc131\uacf5 \ud22c\uc790\uc790\ub4e4\uc758 \uc778\ud130\ubdf0 \ub4f1\uc744 \ud1b5\ud574 \ub2e4\uc591\ud55c \uc2dc\uac01\uc5d0\uc11c \ud22c\uc790 \uc804\ub7b5\uc744 \uc774\ud574\ud558\uace0, \uc2e4\uc81c\ub85c \uc801\uc6a9\ud560 \uc0ac\ub840\ub4e4\uc744 \uc811\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uae08\uc735 \uc2dc\uc7a5\uc744 \uad00\ucc30\ud558\uba74\uc11c, \uc790\uc2e0\uc758 \ud22c\uc790 \ubc29\uc2dd\uc5d0 \ub9de\ub294 \uc804\ub7b5\uc744 \ucc3e\uc544\ub0b4\uace0 \uc774\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ubcf4\uc644\ud574 \ub098\uac00\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788, \ucd5c\uadfc\uc758 \uc778\uacf5\uc9c0\ub2a5 \ubc0f \uc790\ub3d9 \uac70\ub798 \uc54c\uace0\ub9ac\uc998 \uae30\uc220\uc774 \ubc1c\uc804\ud558\uba74\uc11c, \ube45\ub370\uc774\ud130\uc640 \uba38\uc2e0\ub7ec\ub2dd\uc744 \ud65c\uc6a9\ud55c \ud22c\uc790 \ubaa8\ub378\ub4e4\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub294 \ub9cc\ud07c, \uc774\uc640 \uad00\ub828\ub41c \uae30\ucd08\uc801\uc778 \ud559\uc2b5 \ub610\ud55c \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \ud22c\uc790\uc804\ub7b5 \ubc0f \uc704\ud5d8 \uad00\ub9ac\ub294 \ub2e8\uc21c\ud55c \uc774\ub860\uc774 \uc544\ub2c8\ub77c, \uc2e4\uc81c \uacbd\ud5d8\uacfc \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uad6c\uccb4\ud654\ub41c \uc2e4\uc804 \ub178\ud558\uc6b0\uc784\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \ucda9\ubd84\ud55c \ud559\uc2b5\uacfc \uc804\ub7b5 \uc218\ub9bd, \uadf8\ub9ac\uace0 \uccb4\uacc4\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \ubd88\ud655\uc2e4\ud55c \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc131\uacf5\uc758 \uc5f4\uc1e0\ub294 \ubc14\ub85c \uacc4\ud68d\uc801\uc774\uace0 \uafb8\uc900\ud55c \ud559\uc2b5, \uadf8\ub9ac\uace0 \uc2e4\uc9c8\uc801\uc778 \ub370\uc774\ud130\uc640 \uacbd\ud5d8\uc5d0\uc11c \uc6b0\ub7ec\ub098\uc624\ub294 \uc804\ub7b5\uc5d0 \uc788\ub2e4\ub294 \uc810\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac15\uc870\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \ud22c\uc790\uc804\ub7b5\uc758 \uc218\ub9bd\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \ub2e8\uae30\uc801\uc778 \uc774\uc775\uc744 \ub178\ub9ac\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \uae08\uc735 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \ud544\uc218 \uc694\uc18c\uc785\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc774 \ub450 \uac00\uc9c0\ub97c \uae30\ubc18\uc73c\ub85c \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc6d0\uce59\uacfc \uc804\ub7b5\uc744 \ubc1c\uc804\uc2dc\ucf1c \ub098\uac00\uc57c \ud558\uba70, \uc9c0\uc18d\uc801\uc73c\ub85c \ubcc0\ud654\ud558\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub9de\ucdb0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc900\ube44\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ubbf8\ub798\uc758 \ud22c\uc790 \uc131\uacf5\ubfd0 \uc544\ub2c8\ub77c, \uacbd\uc81c\uc801 \uc790\ub9bd\uacfc \uc548\uc815\uc801\uc778 \uc7ac\uc815 \uad6c\uc870\ub97c \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ec%b5%9c%ec%8b%a0-%eb%8f%99%ed%96%a5%ea%b3%bc-%ec%82%ac%eb%a1%80-%ec%97%b0%ea%b5%ac%eb%a5%bc-%ed%86%b5%ed%95%9c-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%ea%b0%9c%ec%84%a0-MEXUaupNAE\">\uc139\uc158 3. \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud55c \ud22c\uc790 \uc804\ub7b5 \uac1c\uc120<\/h2>\n<p>\ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc740 \ube60\ub978 \uc18d\ub3c4\ub85c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uc8fc\uc2dd \ud22c\uc790\uc5d0\uc11c \uc131\uacf5\uc744 \uac70\ub450\uae30 \uc704\ud574\uc11c\ub294 \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uad6c\uccb4\uc801\uc778 \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \ud22c\uc790 \uc804\ub7b5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uc139\uc158\uc5d0\uc11c\ub294 \ucd5c\uc2e0 \uae30\uc220 \ubc1c\uc804, \uae00\ub85c\ubc8c \uacbd\uc81c \ubcc0\ud654, \uadf8\ub9ac\uace0 \uc2e4\uc81c \ud22c\uc790 \uc131\uacf5 \uc0ac\ub840 \ubc0f \uc2e4\ud328 \uc0ac\ub840\ub4e4\uc744 \ubd84\uc11d\ud558\uc5ec, \uc55e\uc73c\ub85c \uc5b4\ub5bb\uac8c \ud22c\uc790 \uc804\ub7b5\uc744 \ubcf4\uc644\ud574 \ub098\uac00\uc57c \ud558\ub294\uc9c0\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uba87 \ub144 \uac04\uc758 \ub514\uc9c0\ud138 \ud601\uc2e0\uc740 \uae08\uc735 \uc2dc\uc7a5\uc5d0\ub3c4 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uacf5\uc9c0\ub2a5(AI), \ube45\ub370\uc774\ud130, \ud074\ub77c\uc6b0\ub4dc \ucef4\ud4e8\ud305, \uadf8\ub9ac\uace0 \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc758 \ucd9c\ud604\uc740 \uc8fc\uc2dd \uac70\ub798 \ubc29\uc2dd\uacfc \uc2dc\uc7a5 \ubd84\uc11d \ubc29\ubc95\uc5d0 \ud070 \ubcc0\ud654\ub97c \uac00\uc838\uc654\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd5c\uc2e0 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uba74, \ud22c\uc790\uc790\ub4e4\uc740 \ubcf4\ub2e4 \uc815\uad50\ud55c \ub370\uc774\ud130 \ubd84\uc11d\uacfc \uc608\uce21 \ubaa8\ub378\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, AI \uae30\ubc18 \uc54c\uace0\ub9ac\uc998\uc744 \ud65c\uc6a9\ud574 \uc218\ucc9c \uac1c\uc758 \uae30\uc5c5 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \uc720\ub9dd\ud55c \ud22c\uc790 \ub300\uc0c1\uc744 \ucd94\ucc9c\ud558\ub294 \uc11c\ube44\uc2a4\ub4e4\uc774 \ub4f1\uc7a5\ud558\uc600\uc73c\uba70, \uc774\ub85c \uc778\ud574 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\ub3c4 \uc804\ubb38\uc801\uc778 \ud22c\uc790 \ubd84\uc11d \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uae00\ub85c\ubc8c \uacbd\uc81c \ubd88\ud655\uc2e4\uc131 \uc5ed\uc2dc \ud22c\uc790 \uc804\ub7b5\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uc911 \ubb34\uc5ed \uac08\ub4f1, \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c, \ud32c\ub370\ubbf9 \uc774\ud6c4\uc758 \uacbd\uae30 \ud68c\ubcf5 \uacfc\uc815 \ub4f1 \uc5ec\ub7ec \uac00\uc9c0 \uc678\ubd80 \uc694\uc778\ub4e4\uc774 \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ub2e8\uae30\uc801 \ubcc0\ub3d9\uc131\uc744 \uc2ec\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ud658\uacbd\uc5d0\uc11c\ub294 \ub2e8\uae30\uc801\uc778 \uc774\uc775\ubcf4\ub2e4\ub294 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc744 \uac16\uace0, \uacbd\uc81c \uc9c0\ud45c\uc640 \uc0b0\uc5c5 \ub3d9\ud5a5\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2020\ub144 \ucd08 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc774 \uc804 \uc138\uacc4 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0 \ubbf8\uce5c \uc601\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74, \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \ud070 \ud3ed\uc758 \ud558\ub77d\uacfc \ud63c\ub780\uc774 \uc788\uc5c8\uc73c\ub098, \uc774\ud6c4 \ud2b9\uc815 IT \ubc0f \ud5ec\uc2a4\ucf00\uc5b4 \uc0b0\uc5c5\uc740 \uae09\uc18d\ud788 \ud68c\ubcf5\ud558\uba70 \uc7a5\uae30 \ud22c\uc790 \uac00\uce58\uac00 \uc785\uc99d\ub41c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \ubcf4\ub294 \ud22c\uc790 \uc804\ub7b5 \uac1c\uc120\uc758 \ud55c \uac00\uc9c0 \uc608\ub294 \uad6d\ub0b4 \uc911\uc18c\ud615 \uae30\uc220 \uae30\uc5c5\uc5d0 \ub300\ud55c \ud22c\uc790 \uc0ac\ub840\uc785\ub2c8\ub2e4. \uc774\ub4e4 \uae30\uc5c5\uc740 \ucd08\uae30\uc5d0\ub294 \ub0ae\uc740 \uc2dc\uac00\ucd1d\uc561\uacfc \ubd88\uc548\uc815\ud55c \uc7ac\ubb34\uad6c\uc870\ub85c \uc778\ud574 \ud22c\uc790\uc790\ub4e4\uc758 \uc8fc\ubaa9\uc744 \ubc1b\uc9c0 \ubabb\ud588\uc73c\ub098, \uba87\uba87 \uae30\uc5c5\uc740 \ucc28\ubcc4\ud654\ub41c \uae30\uc220\ub825\uacfc \ud601\uc2e0\uc801\uc778 \uc81c\ud488 \uac1c\ubc1c\ub85c \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uc9c4\ucd9c\uc5d0 \uc131\uacf5\ud558\uba70 \uc8fc\uac00 \uc0c1\uc2b9\uc744 \uc774\ub04c\uc5c8\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \uc774\ub7ec\ud55c \uc911\uc18c\ud615 \uae30\uc220 \uae30\uc5c5 \uc911 \uc7a5\uae30 \ud22c\uc790\uc790\ub4e4\uc740 \ud3c9\uade0 12~15%\uc758 \uc5f0\uac04 \uc218\uc775\ub960\uc744 \ub2ec\uc131\ud55c \uc0ac\ub840\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \ub300\ud615 \uc6b0\ub7c9\uc8fc\uc5d0\ub9cc \uad6d\ud55c\ub418\uc9c0 \uc54a\ub294 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc774 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc0ac\ub840 \uc5f0\uad6c\ub294 ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \ud22c\uc790 \uc804\ub7b5\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uba87 \ub144 \uac04 \ud658\uacbd \ubcf4\ud638\uc640 \uc0ac\ud68c\uc801 \ucc45\uc784\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uba74\uc11c, ESG \uacbd\uc601\uc744 \uc2e4\ucc9c\ud558\ub294 \uae30\uc5c5\ub4e4\uc774 \ud22c\uc790\uc790\ub4e4\ub85c\ubd80\ud130 \ub192\uc740 \ud3c9\uac00\ub97c \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uae00\ub85c\ubc8c \uae08\uc735\uae30\uad00\ub4e4\uc758 \ub9ac\ud3ec\ud2b8\uc5d0 \ub530\ub974\uba74, ESG \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ud3c9\uade0 \uc218\uc775\ub960\uc740 \uc804\ud1b5\uc801 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ube44\ud574 2~3% \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \ubc14 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uacbd\uc7c1\ub825\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc\ub97c \ubc18\uc601\ud55c \ud22c\uc790 \uc804\ub7b5\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \uc81c\uacf5\ud560 \ubfd0 \uc544\ub2c8\ub77c, \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uc744 \ub3c4\ubaa8\ud560 \uc218 \uc788\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc2e4\uc81c \ud22c\uc790\uc790\ub4e4\uc758 \uacbd\ud5d8\ub2f4\uacfc \uc778\ud130\ubdf0\ub97c \ud1b5\ud574 \ubcfc \ub54c, \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0 \ucca0\uc800\ud55c \uc0ac\uc804 \ubd84\uc11d\uacfc \uc804\ub7b5 \uc218\ub9bd\uc774 \ud22c\uc790 \uc131\uacf5\uc758 \ud575\uc2ec\uc784\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c 20\ub300 \ud22c\uc790\uc790\ub294 \ucd08\uae30\uc5d0\ub294 \ub2e8\uc21c\ud55c \ubaa8\ubc29 \ud22c\uc790\ub85c \uc2dc\uc791\ud588\uc9c0\ub9cc, \ub2e4\uc591\ud55c \uae08\uc735 \uad50\uc721\uacfc \uc804\ubb38\uac00 \uc0c1\ub2f4\uc744 \uac70\uce58\uba70 \uc790\uc2e0\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \uc815\ub9bd\ud558\uc600\uace0, \uacb0\uad6d \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub4e4\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc774 \uccb4\uacc4\uc801\uc778 \ud559\uc2b5\uacfc \uacbd\ud5d8 \ucd95\uc801\uc744 \ud1b5\ud574 \ud22c\uc790 \uc804\ub7b5\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uc74c\uc744 \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ub3d9\ud5a5\uc5d0\uc11c\ub294 \ud2b9\ud788 \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800(Robo Advisor)\uc640 \uac19\uc740 \uc790\ub3d9\ud654 \ud22c\uc790 \uc11c\ube44\uc2a4\uac00 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub294 \uc778\uacf5\uc9c0\ub2a5 \uc54c\uace0\ub9ac\uc998\uc744 \ud1b5\ud574 \ud22c\uc790\uc790\uc758 \uc704\ud5d8 \uc120\ud638\ub3c4\uc640 \uc7ac\uc815 \uc0c1\ud669\uc744 \ubd84\uc11d\ud55c \ud6c4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud574 \uc8fc\ub294 \uc11c\ube44\uc2a4\ub85c, \ud22c\uc790 \ucd08\ubcf4\uc790\ub4e4\uc5d0\uac8c\ub3c4 \uc27d\uac8c \uc811\uadfc\ud560 \uc218 \uc788\ub294 \ub9de\ucda4\ud615 \ud22c\uc790 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub4e4\uc740 \ub0ae\uc740 \uc6b4\uc6a9 \uc218\uc218\ub8cc\uc640 \ub192\uc740 \ud6a8\uc728\uc131\uc73c\ub85c 20\ub300 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \ube60\ub974\uac8c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc73c\uba70, \uc2e4\uc81c \uc0ac\uc6a9 \uc0ac\ub840\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac \uce21\uba74\uc5d0\uc11c \uae0d\uc815\uc801\uc778 \ud3c9\uac00\ub97c \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ucd5c\uadfc\uc5d0\ub294 \ubaa8\ubc14\uc77c \ud22c\uc790 \uc571\uacfc \uc628\ub77c\uc778 \uc99d\uad8c \ud50c\ub7ab\ud3fc\uc758 \ubc1c\ub2ec\ub85c, \ud22c\uc790 \uc811\uadfc\uc131\uc774 \ub300\ud3ed \ud5a5\uc0c1\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacfc\uac70\uc5d0\ub294 \uc99d\uad8c\uc0ac \ucc3d\uad6c \ubc29\ubb38\uacfc \ubcf5\uc7a1\ud55c \uc11c\ub958 \uc791\uc5c5\uc774 \ud544\uc218\uc801\uc774\uc5c8\uc73c\ub098, \ud604\uc7ac\ub294 \uba87 \ubc88\uc758 \ud074\ub9ad\ub9cc\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub294 \ud658\uacbd\uc774 \uc870\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \uae30\uc220 \ubc1c\uc804\uc740 \ud2b9\ud788 \uc2dc\uac04\uacfc \uc790\uc6d0\uc758 \uc81c\uc57d\uc774 \ud070 20\ub300\ub4e4\uc5d0\uac8c \ud070 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \uc2e4\uc2dc\uac04\uc73c\ub85c \uc2dc\uc7a5 \uc815\ubcf4\ub97c \ud655\uc778\ud558\uace0, \uc2e0\uc18d\ud558\uac8c \ud22c\uc790\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \ud568\uaed8, \ucd5c\uadfc\uc758 \uae00\ub85c\ubc8c \uacbd\uc81c \ub370\uc774\ud130\uc640 \uad00\ub828 \ud1b5\uacc4\ub3c4 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ud070 \uc601\ud5a5\uc744 \ub07c\uce69\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uc758 \uae30\uc900\uae08\ub9ac \uc778\uc0c1 \ud639\uc740 \uc778\ud558\uc5d0 \ub530\ub978 \uc8fc\uc2dd\uc2dc\uc7a5 \ubc18\uc751, \uc720\ub7fd \uc911\uc559\uc740\ud589(ECB)\uc758 \uc815\ucc45 \ubc1c\ud45c \ub0b4\uc6a9, \uadf8\ub9ac\uace0 \uc544\uc2dc\uc544 \uac01\uad6d\uc758 \uacbd\uc81c \uc131\uc7a5\ub960 \ubcc0\ud654 \ub4f1\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ubc18\ub4dc\uc2dc \ucc38\uace0\ud574\uc57c \ud560 \uc8fc\uc694 \uc9c0\ud45c\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\uc81c \uc9c0\ud45c\ub4e4\uc740 \ud22c\uc790 \uacb0\uc815\uc5d0 \uc788\uc5b4 \ub2e8\uc21c\ud55c \ucc38\uace0 \uc790\ub8cc\ub97c \ub118\uc5b4, \uc7a5\uae30\uc801\uc778 \uc2dc\uc7a5 \ud750\ub984\uacfc \ud22c\uc790 \uc2ec\ub9ac \ud615\uc131\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \uc5bb\uc740 \uad50\ud6c8\uc740, \uc815\ud574\uc9c4 \ud22c\uc790 \uc804\ub7b5\uc5d0 \uc548\uc8fc\ud558\uc9c0 \ub9d0\uace0, \uc2dc\uc7a5\uc758 \ubcc0\ud654\uc5d0 \ubbfc\uac10\ud558\uac8c \ub300\uc751\ud558\uba70 \uc9c0\uc18d\uc801\uc73c\ub85c \uc804\ub7b5\uc744 \uc218\uc815\ud574 \ub098\uac00\uc57c \ud55c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uacfc\uac70\uc758 \uc131\uacf5 \uc804\ub7b5\uc774 \ud604\uc7ac\uc5d0\ub3c4 \uc720\ud6a8\ud560 \uac83\uc774\ub77c\ub294 \ubcf4\uc7a5\uc740 \uc5c6\uc73c\uba70, \uc2dc\ub300\uc5d0 \ub530\ub978 \ud2b8\ub80c\ub4dc \ubcc0\ud654\uc640 \uae30\uc220 \ubc1c\uc804\uc5d0 \ub9de\ucdb0 \uc801\uc808\ud788 \uc804\ub7b5\uc744 \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc8fc\uae30\uc801\uc778 \uc790\uae30 \uc810\uac80\uacfc \uc678\ubd80 \uc815\ubcf4\uc758 \uc9c0\uc18d\uc801 \uc5c5\ub370\uc774\ud2b8\ub97c \ud1b5\ud574, \ubcc0\ud654\ud558\ub294 \uc2dc\uc7a5 \ud658\uacbd\uc5d0\uc11c \ud56d\uc0c1 \ud55c \ubc1c \uc55e\uc11c \ub098\uac08 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \ub2e4\uc591\ud55c \uc0ac\ub840 \uc5f0\uad6c\ub294 20\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \ub2e8\uc21c\ud55c \uc774\ub860\uc744 \ub118\uc5b4 \uc2e4\uc9c8\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \ub9c8\ub828\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\uc640 \ud1b5\uacc4 \ub370\uc774\ud130\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc2e4\uc81c\uc801\uc778 \uc778\uc0ac\uc774\ud2b8\uc640 \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc744 \uc81c\uc2dc\ud558\uba70, \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc758 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc815\ubcf4\uc640 \uacbd\ud5d8\uc744 \uc885\ud569\ud558\uc5ec, \uc790\uc2e0\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \ub04a\uc784\uc5c6\uc774 \uac1c\uc120\ud558\uace0 \uc870\uc815\ud574 \ub098\uac04\ub2e4\uba74, \ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \uae08\uc735 \uc2dc\uc7a5 \uc18d\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\uacfc \ubbf8\ub798\uc758 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc2e4\ud604\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc2e4\uc81c \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud55c \ud22c\uc790 \uc804\ub7b5 \uac1c\uc120\uc740 \ub2e8\uae30\uc801 \ubaa9\ud45c\ubfd0 \uc544\ub2c8\ub77c \uc7a5\uae30\uc801 \ud22c\uc790 \uc131\uacf5\uc5d0\ub3c4 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc774\uc640 \uac19\uc740 \uad6c\uccb4\uc801\uc778 \ub370\uc774\ud130\uc640 \uc0ac\ub840\ub97c \ucc38\uace0\ud568\uc73c\ub85c\uc368, \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc774\uace0 \uc720\uc5f0\ud55c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uace0 \uc2e4\ud589\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uacbd\uc7c1\ub825\uc744 \uac16\ucd9c \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%ec%9e%a5%ea%b8%b0-%ec%9e%ac%ed%85%8c%ed%81%ac-%eb%b0%8f-%ec%9e%90%ec%82%b0-%ea%b4%80%eb%a6%ac%eb%a5%bc-%ec%9c%84%ed%95%9c-%ec%8b%a4%ec%a0%84-%ec%a0%84%eb%9e%b5-MEXUaupNAE\">\uc139\uc158 4. \uc7a5\uae30 \uc7ac\ud14c\ud06c \ubc0f \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud55c \uc2e4\uc804 \uc804\ub7b5<\/h2>\n<p>20\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uccab \ubc1c\uc744 \ub0b4\ub51b\uc740 \ud6c4, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc7ac\ud14c\ud06c\uc640 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \uc77c\ud76c\uc77c\ube44\ud558\uc9c0 \uc54a\uace0, \ud655\uace0\ud55c \uc7a5\uae30 \ud22c\uc790 \uc804\ub7b5\uc744 \uac00\uc9c0\uace0 \uafb8\uc900\ud558\uac8c \uc790\uc0b0\uc744 \ucd95\uc801\ud574 \ub098\uac00\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubcf8 \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30 \uc7ac\ud14c\ud06c\ub97c \uc704\ud55c \uc2e4\uc804 \uc804\ub7b5\uacfc \ud568\uaed8, \uc790\uc0b0 \uad00\ub9ac\uc758 \uae30\ubcf8 \uc6d0\uce59, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \uc7ac\ud14c\ud06c \ub3c4\uad6c \ud65c\uc6a9\ubc95\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc7a5\uae30 \uc7ac\ud14c\ud06c\uc758 \uccab\uac78\uc74c\uc740 \uc7ac\uc815 \ubaa9\ud45c \uc124\uc815\uc785\ub2c8\ub2e4. 20\ub300 \uc2dc\uc808\ubd80\ud130 \uc740\ud1f4 \ud6c4\uc758 \ub178\ud6c4 \uc900\ube44, \uc8fc\ud0dd \uad6c\uc785, \uc790\ub140 \uad50\uc721 \ub4f1\uc744 \ud3ec\uad04\ud558\ub294 \uc7ac\uc815 \uacc4\ud68d\uc744 \uc138\uc6b0\uba74, \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\uac70\ub098 \ud22c\uc790\ud558\ub294 \ub4f1\uc758 \uad6c\uccb4\uc801\uc778 \ud589\ub3d9\uc73c\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uafb8\uc900\ud55c \uc790\uc0b0 \ucd95\uc801\uacfc \ubcf5\ub9ac\uc758 \ud6a8\uacfc\ub97c \uac10\uc548\ud560 \ub54c, \uc870\uae30 \uc2dc\uc791\ud55c \ud22c\uc790\uc790\uc77c\uc218\ub85d \ubbf8\ub798\uc758 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub204\ub9b4 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc7ac\uc815 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud568\uc73c\ub85c\uc368, \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc758 \uc911\uc694\uc131\uc744 \ub2e4\uc2dc \ud55c\ubc88 \uac15\uc870\ud569\ub2c8\ub2e4. \uc55e\uc11c \uc5b8\uae09\ud55c \ubc14\uc640 \uac19\uc774, \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, ETF \ub4f1\uc758 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc704\ud55c \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4. \ucd5c\uadfc\uc758 \uc5f0\uad6c \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\uac01\ud654\ub97c \ud1b5\ud574 \uc7a5\uae30 \ud22c\uc790 \uc2dc \uc5f0\ud3c9\uade0 \uc218\uc775\ub960\uc744 1~2% \uc774\uc0c1 \uac1c\uc120\ud560 \uc218 \uc788\uc5c8\uc73c\uba70, \uc774\ub294 \ubcf5\ub9ac \ud6a8\uacfc\uc640 \ub354\ubd88\uc5b4 \ud22c\uc790 \uc548\uc815\uc131\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc758 \ud2b9\uc131\uc744 \uc774\ud574\ud558\uace0, \uac01 \uc790\uc0b0\uad70 \uac04\uc758 \uc0c1\uad00\uad00\uacc4\ub97c \ubd84\uc11d\ud558\uc5ec \ucd5c\uc801\uc758 \uc790\uc0b0 \ubc30\ubd84 \ubaa8\ud615\uc744 \ub3c4\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \uc815\uae30\uc801\uc774\uace0 \uccb4\uacc4\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ub9e4\ub144 \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc7ac\uc810\uac80\ud558\uace0, \uacbd\uc81c \uc0c1\ud669\uacfc \uac1c\uc778\uc758 \uc7ac\uc815 \ubcc0\ud654\uc5d0 \ub530\ub77c \uc790\uc0b0 \ubc30\ubd84\uc744 \uc870\uc815\ud558\ub294 \u2018\ub9ac\ubc38\ub7f0\uc2f1(rebalancing)\u2019 \uc804\ub7b5\uc740 \uc7a5\uae30 \uc7ac\ud14c\ud06c\uc5d0 \uc788\uc5b4 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uacfc\ub3c4\ud558\uac8c \ud2b9\uc815 \uc790\uc0b0\uad70\uc5d0 \uc9d1\uc911\ub418\uc5b4 \uc788\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc704\ud5d8\uc744 \uc904\uc774\uace0, \uc548\uc815\uc801\uc778 \uc218\uc775 \uad6c\uc870\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c\ub294 \ub9e4\ub144 1~2\ud68c \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc2e4\uc2dc\ud558\ub294 \uc0ac\ub840\uac00 \ub9ce\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ud22c\uc790 \uc131\uacfc\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \uac01\uc885 \uc7ac\ud14c\ud06c \ub3c4\uad6c\uc640 \ud50c\ub7ab\ud3fc\uc744 \uc801\uadf9 \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uadfc \uc778\ud130\ub137\uacfc \ubaa8\ubc14\uc77c \ud658\uacbd\uc758 \ubc1c\uc804\uc73c\ub85c \ub2e4\uc591\ud55c \uae08\uc735 \uad00\ub9ac \uc571, \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800, \uc628\ub77c\uc778 \uc99d\uad8c \ud50c\ub7ab\ud3fc \ub4f1\uc774 \ub4f1\uc7a5\ud558\uc5ec \ud22c\uc790\ub97c \ubcf4\ub2e4 \uc27d\uac8c \uad00\ub9ac\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub4e4 \ub3c4\uad6c\ub97c \ud1b5\ud574 \uc2e4\uc2dc\uac04 \uc2dc\uc7a5 \uc815\ubcf4, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc131\uacfc, \uc885\ubaa9 \ubd84\uc11d \uc790\ub8cc \ub4f1\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \ud655\uc778\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ubcf4\ub2e4 \uc2e0\uc18d\ud558\uac8c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uac01\uc885 \uc7ac\ud14c\ud06c \ucee4\ubba4\ub2c8\ud2f0\uc640 \uc628\ub77c\uc778 \ud22c\uc790 \ud3ec\ub7fc\uc5d0\uc11c\ub294 \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uacf5\uc720\ud558\uace0, \ub2e4\uc591\ud55c \ud22c\uc790\uc790\ub4e4\uc758 \uacbd\ud5d8\uc744 \ub4e4\uc744 \uc218 \uc788\uc5b4, \uc790\uc0b0 \uad00\ub9ac\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c, \uc7a5\uae30\uc801\uc73c\ub85c \uafb8\uc900\ud788 \uc218\uc775\uc744 \ucc3d\ucd9c\ud558\uae30 \uc704\ud574\uc11c\ub294 \ud22c\uc790 \uad50\uc721\uacfc \uc790\uae30 \uacc4\ubc1c\uc5d0 \uc9c0\uc18d\uc801\uc73c\ub85c \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uad00\ub828 \uc11c\uc801, \uc804\ubb38\uac00 \uce7c\ub7fc, \uc138\ubbf8\ub098, \uc628\ub77c\uc778 \uac15\uc758 \ub4f1\uc744 \ud1b5\ud574 \uae08\uc735 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\ub97c \ub192\uc774\uace0, \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc\ub97c \uc2b5\ub4dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788, 20\ub300\uc640 \uac19\uc774 \uc80a\uc740 \ud22c\uc790\uc790\ub4e4\uc740 \uc2dc\uac04\uc801 \uc5ec\uc720\uac00 \uc788\ub294 \ub9cc\ud07c, \ub2e4\uc591\ud55c \ud559\uc2b5 \uae30\ud68c\ub97c \ud65c\uc6a9\ud558\uc5ec \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \ub178\ud558\uc6b0\ub97c \uc313\uc544 \ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\uc815 \uae08\uc735 \uae30\uad00\uc774\ub098 \ud22c\uc790 \uc804\ubb38\uac00\ub4e4\uc774 \uc9c4\ud589\ud55c \uac15\uc5f0, \uc6cc\ud06c\uc20d \ub4f1\uc5d0 \ucc38\uc5ec\ud558\uc5ec \uc2e4\uc81c \uc0ac\ub840\uc640 \ub178\ud558\uc6b0\ub97c \uc9c1\uc811 \ubc30\uc6b8 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8\ub85c, \uc138\uae08 \ubb38\uc81c\uc640 \uc218\uc218\ub8cc \uad00\ub9ac \uc5ed\uc2dc \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc5d0\uc11c \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc218\uc775\uc5d0 \ub530\ub978 \uc138\uae08, \uac70\ub798 \uc218\uc218\ub8cc \ub4f1\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc0c1\ub2f9\ud55c \ube44\uc6a9 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc774\ub97c \ucd5c\uc18c\ud654\ud558\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc138\uae08 \uc6b0\ub300 \ud61c\ud0dd\uc774 \uc788\ub294 \uae08\uc735 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uac70\ub098, \uc7a5\uae30 \ud22c\uc790 \uc2dc \uac70\ub798 \ube48\ub3c4\ub97c \uc904\uc5ec \uc218\uc218\ub8cc \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uc804\ub7b5 \ub4f1\uc774 \uc774\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uc5ec\ub7ec \uae08\uc735 \uae30\uad00\ub4e4\uc774 \ud22c\uc790\uc790 \uc720\uce58\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \uc138\uc81c \ud61c\ud0dd\uacfc \ub0ae\uc740 \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc5b4, \uc774\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \uc7a5\uae30 \uc7ac\ud14c\ud06c\uc5d0 \uc788\uc5b4\uc11c \ud22c\uc790 \uc2ec\ub9ac \uad00\ub9ac \uc5ed\uc2dc \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc740 \ub2f9\uc7a5\uc758 \ub2e8\uae30 \ubcc0\ub3d9\uc131\uc73c\ub85c \uc778\ud574 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc8fc\uae30 \ub9c8\ub828\uc774\uba70, \uc774\ub7ec\ud55c \uc2ec\ub9ac\uc801 \uc555\ubc15\uc740 \uc798\ubabb\ub41c \ud22c\uc790 \uacb0\uc815\uc744 \uc57c\uae30\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uacc4\ud68d\uacfc \ubaa9\ud45c\ub97c \uc7ac\ud655\uc778\ud558\uace0, \ubd88\ud544\uc694\ud55c \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\ub3c4\ub85d \uc2ec\ub9ac\uc801 \uc548\uc815 \uc7a5\uce58\ub97c \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud558\uac70\ub098, \ub3d9\ub8cc \ud22c\uc790\uc790\ub4e4\uacfc \ucee4\ubba4\ub2c8\ud2f0\ub97c \ud1b5\ud574 \uacbd\ud5d8\uc744 \uacf5\uc720\ud568\uc73c\ub85c\uc368 \uc2ec\ub9ac\uc801 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \uac83\uc774 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uc131\uacf5\uc801\uc778 \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc758 \uc0ac\ub840\ub4e4\uc744 \ubd84\uc11d\ud574\ubcf4\uba74, \uc870\uae30 \ud22c\uc790\uc640 \uafb8\uc900\ud55c \uc790\uc0b0 \ucd95\uc801\uc774 \uc5bc\ub9c8\ub098 \ud070 \ucc28\uc774\ub97c \ub9cc\ub4e4\uc5b4\ub0b4\ub294\uc9c0 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\uc81c \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c \uc7a5\uae30 \ud22c\uc790\uc790\ub4e4\uc774 \ubcf5\ub9ac\uc758 \ud798\uc744 \uadf9\ub300\ud654\ud558\uc5ec \uc790\uc0b0\uc744 \ud06c\uac8c \ub298\ub9b0 \uc0ac\ub840\ub4e4, \uadf8\ub9ac\uace0 \uafb8\uc900\ud55c \ub9ac\ubc38\ub7f0\uc2f1\uacfc \ubd84\uc0b0 \ud22c\uc790\ub97c \ud1b5\ud574 \uacbd\uc81c \uc704\uae30\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uc720\uc9c0\ud55c \uc0ac\ub840\ub4e4\uc740, \uc774\ub7ec\ud55c \uc804\ub7b5\uc758 \ud0c0\ub2f9\uc131\uc744 \uac15\ub825\ud558\uac8c \ub4b7\ubc1b\uce68\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d\uc758 \ub300\ud45c\uc801\uc778 \ub300\ud615 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0 20\ub300 \ucd08\ubc18\ubd80\ud130 \ud22c\uc790\ud55c \ud22c\uc790\uc790\ub294 \ubcf5\ub9ac \ud6a8\uacfc\ub85c \uc778\ud574 30\ub144 \ub9cc\uc5d0 \ucd08\uae30 \uc790\ubcf8\uc758 5\ubc30 \uc774\uc0c1\uc758 \uc790\uc0b0\uc744 \ud615\uc131\ud55c \uc0ac\ub840\uac00 \uc5ec\ub7ec \ucc28\ub840 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \uc7a5\uae30 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \uae08\uc735 \uc0c1\ud488\uc5d0\ub9cc \uad6d\ud55c\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uac1c\uc778\uc758 \uc18c\ube44 \uc2b5\uad00, \uc800\ucd95 \ube44\uc728, \uadf8\ub9ac\uace0 \uc0dd\ud65c \ud328\ud134 \ub4f1 \uc804\ubc18\uc801\uc778 \uc7ac\uc815 \uad00\ub9ac\uc640\ub3c4 \ubc00\uc811\ud55c \uad00\ub828\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\ubb34 \uc124\uacc4 \uc804\ubb38\uac00\ub4e4\uc740 \u2018\uc7ac\uc815 \uac74\uac15\u2019\uc774\ub77c\ub294 \uac1c\ub150\uc744 \ub3c4\uc785\ud558\uc5ec, \ub2e8\uc21c\ud55c \ud22c\uc790 \uc218\uc775\ubfd0 \uc544\ub2c8\ub77c \uc0dd\ud65c\uc758 \uc548\uc815\uc131\uacfc \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0 \ub300\ud574 \ub300\ube44\ud560 \ud544\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uac00\uacc4\ubd80 \uc791\uc131\uc774\ub098 \uc7ac\ubb34 \ucee8\uc124\ud305\uc744 \ud1b5\ud55c \uc9c0\uc18d\uc801\uc778 \uc810\uac80\uc774 \ud544\uc694\ud558\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \ub514\uc9c0\ud138 \uc2dc\ub300\uc5d0 \uc811\uc5b4\ub4e4\uba74\uc11c \uae08\uc735 \uc2dc\uc7a5\uc740 \ub354\uc6b1 \ubcf5\uc7a1\ud558\uace0 \ub2e4\uc774\ub098\ubbf9\ud558\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c, \ud22c\uc790\uc790\ub4e4\uc740 \ucd5c\uc2e0\uc758 \uae30\uc220 \ub3c4\uad6c\uc640 \ub370\uc774\ud130 \ubd84\uc11d \uae30\ubc95\uc744 \ud65c\uc6a9\ud558\uc5ec \ubcf4\ub2e4 \uc815\ubc00\ud558\uac8c \uc2dc\uc7a5 \ud750\ub984\uc744 \uc608\uce21\ud558\uace0 \ub300\uc751\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud30c\uc774\uc36c(Python)\uacfc \uac19\uc740 \ud504\ub85c\uadf8\ub798\ubc0d \uc5b8\uc5b4\ub97c \ud65c\uc6a9\ud574 \uac04\ub2e8\ud55c \ud22c\uc790 \uc804\ub7b5 \ubaa8\ud615\uc744 \uac1c\ubc1c\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc544\ub798\ub294 \ud30c\uc774\uc36c\uc744 \uc0ac\uc6a9\ud55c \uac04\ub2e8\ud55c \uc8fc\uac00 \ub370\uc774\ud130 \ubd84\uc11d \ucf54\ub4dc \uc608\uc81c\uc785\ub2c8\ub2e4:<\/p>\n<pre><code>\nimport pandas as pd\nimport matplotlib.pyplot as plt\n\n# \uc8fc\uac00 \ub370\uc774\ud130 \ubd88\ub7ec\uc624\uae30 (\uc608\uc2dc \ud30c\uc77c \uacbd\ub85c)\ndata = pd.read_csv('stock_data.csv', index_col='Date', parse_dates=True)\n\n# \uc774\ub3d9\ud3c9\uade0\uc120 \uacc4\uc0b0\ndata['MA50'] = data['Close'].rolling(window=50).mean()\ndata['MA200'] = data['Close'].rolling(window=200).mean()\n\n# \ucc28\ud2b8 \uadf8\ub9ac\uae30\nplt.figure(figsize=(14,7))\nplt.plot(data.index, data['Close'], label='\uc885\uac00')\nplt.plot(data.index, data['MA50'], label='50\uc77c \uc774\ub3d9\ud3c9\uade0')\nplt.plot(data.index, data['MA200'], label='200\uc77c \uc774\ub3d9\ud3c9\uade0')\nplt.title('\uc8fc\uac00 \ubc0f \uc774\ub3d9\ud3c9\uade0\uc120 \ubd84\uc11d')\nplt.xlabel('\ub0a0\uc9dc')\nplt.ylabel('\uc8fc\uac00')\nplt.legend()\nplt.show()\n      <\/code><\/pre>\n<\/p>\n<p>\uc704 \ucf54\ub4dc \uc608\uc81c\ub294 \ud30c\uc774\uc36c\uc744 \ud1b5\ud574 \uc8fc\uac00 \ub370\uc774\ud130\uc758 \uc774\ub3d9\ud3c9\uade0\uc120\uc744 \uacc4\uc0b0\ud558\uace0 \ucc28\ud2b8\ub85c \uc2dc\uac01\ud654\ud558\ub294 \uae30\ubcf8\uc801\uc778 \uc608\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \uae30\uc220\uc801 \ubd84\uc11d \ub3c4\uad6c\ub97c \uc2e4\uc81c\ub85c \uad6c\ud604\ud574\ubcf4\uace0, \uc2dc\uc7a5 \uc6c0\uc9c1\uc784\uc744 \ub354\uc6b1 \uba74\ubc00\ud788 \ubd84\uc11d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub4e4\uc740 \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uacfc \uc815\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0 \ub9e4\uc6b0 \uc720\uc6a9\ud558\uac8c \uc0ac\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\ud55c \ubc88\uc9f8\ub85c, \uc7a5\uae30 \uc7ac\ud14c\ud06c\uc640 \uc790\uc0b0 \uad00\ub9ac\ub294 \ub2e8\ubc1c\uc801\uc778 \uc774\ubca4\ud2b8\uac00 \uc544\ub2cc \ud3c9\uc0dd\uc5d0 \uac78\uce5c \uc9c0\uc18d\uc801\uc778 \uacfc\uc815\uc784\uc744 \uc778\uc2dd\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd08\uae30 \ud22c\uc790 \uc2dc\uae30\uc758 \uc2e4\ud328\ub098 \ub2e8\uae30\uc801 \uc190\uc2e4\uc740 \uc624\ud788\ub824 \uae08\uc735 \uc2dc\uc7a5\uc758 \ubcf8\uc9c8\uc784\uc744 \uc774\ud574\ud558\uace0, \uc774\ub97c \uac1c\uc120\ud558\uace0 \ubcf4\uc644\ud558\ub294 \uae30\ud68c\ub85c \uc0bc\uc544\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc744 \ud1b5\ud574 \ud22c\uc790\uc790\ub294 \uacbd\uc81c\uc801 \uc704\uae30\uc640 \ubcc0\ud654\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\uba70, \uc131\uacf5\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc2e4\ud604\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\ub450 \ubc88\uc9f8\ub85c, \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc804\ub7b5\uacfc \uc790\uc0b0 \uad00\ub9ac\uc758 \ud575\uc2ec\uc740 \uacb0\uad6d &#8216;\uc9c0\uc18d \uac00\ub2a5\uc131&#8217;\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc218\uc775\uc5d0 \uc77c\ud76c\uc77c\ube44\ud558\uae30\ubcf4\ub2e4\ub294, \uafb8\uc900\ud55c \uc800\ucd95, \ud569\ub9ac\uc801\uc778 \ud22c\uc790, \uadf8\ub9ac\uace0 \uc790\uae30 \uacc4\ubc1c\uc744 \ud1b5\ud574 \uc7ac\uc815\uc801 \uc790\uc720\uc640 \uc548\uc815\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 20\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uc55e\uc73c\ub85c\uc758 \uc778\uc0dd\uc5d0\uc11c \uacbd\uc81c\uc801 \ubbfc\ucca9\uc131\uacfc \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \ud070 \ubc11\uac70\ub984\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \uc7a5\uae30 \uc7ac\ud14c\ud06c \ubc0f \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud55c \uc2e4\uc804 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \uc8fc\uc2dd \ub9e4\ub9e4 \uae30\uc220\uc744 \ub118\uc5b4, \uac1c\uc778\uc758 \uc804\ubc18\uc801\uc778 \uc7ac\uc815 \uad00\ub9ac \ub2a5\ub825\uacfc \uc0dd\ud65c \uc2b5\uad00 \uac1c\uc120, \uadf8\ub9ac\uace0 \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uc815\ubcf4 \uc5c5\ub370\uc774\ud2b8\uc5d0 \uae30\ubc18\ud569\ub2c8\ub2e4. 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \uc804\ub7b5\ub4e4\uc744 \uc885\ud569\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uc5ec, \uae09\ubcc0\ud558\ub294 \uae08\uc735 \ud658\uacbd \uc18d\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \ubbf8\ub798\uc758 \uacbd\uc81c\uc801 \uc790\ub9bd\uc744 \uc2e4\ud604\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc774\uace0 \uafb8\uc900\ud55c \uc2e4\ucc9c\uc774 \uacb0\uad6d\uc740 \ud070 \ucc28\uc774\ub97c \ub9cc\ub4e4\uc5b4\ub0b4\uba70, \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c\uc758 \uae38\ub85c \uc774\ub04c\uc5b4\uc904 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \ubcf8 \uae00\uc5d0\uc11c \uc81c\uc2dc\ud55c \ub124 \uac1c\uc758 \uc139\uc158\uc740 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \uae30\ucd08 \uc9c0\uc2dd, \ud22c\uc790\uc804\ub7b5\uacfc \uc704\ud5d8 \uad00\ub9ac, \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc0ac\ub840 \uc5f0\uad6c, \uadf8\ub9ac\uace0 \uc7a5\uae30 \uc7ac\ud14c\ud06c\uc640 \uc790\uc0b0 \uad00\ub9ac \ub4f1 \ub2e4\uc591\ud55c \uce21\uba74\uc5d0\uc11c 20\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uc548\uc804\ud558\uace0 \uccb4\uacc4\uc801\uc73c\ub85c \uc8fc\uc2dd \ud22c\uc790\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc885\ud569 \uac00\uc774\ub4dc\uc785\ub2c8\ub2e4. \uac01 \uc139\uc158\ub9c8\ub2e4 \uad6c\uccb4\uc801\uc778 \uc0ac\ub840\uc640 \ud1b5\uacc4, \uadf8\ub9ac\uace0 \uc2e4\uc81c \uc801\uc6a9 \uac00\ub2a5\ud55c \uc804\ub7b5\ub4e4\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc5b4, \ub3c5\uc790\ub4e4\uc774 \uc2e4\uc81c \uc0dd\ud65c \uc18d\uc5d0\uc11c \uc720\uc6a9\ud558\uac8c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9 \uc694\uc57d\uc73c\ub85c, 20\ub300\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc8fc\uc2dd \ud22c\uc790\ub294 \ub2e8\uc21c\ud55c \uc790\uc0b0 \uc99d\uc2dd \uc218\ub2e8\uc744 \ub118\uc5b4, \uae08\uc735 \uc9c0\uc2dd\uacfc \uc790\uae30 \uacc4\ubc1c\uc758 \uc911\uc694\ud55c \uacfc\uc815\uc785\ub2c8\ub2e4. \uae30\ucd08 \uc9c0\uc2dd\uc5d0\uc11c\ubd80\ud130 \uc704\ud5d8 \uad00\ub9ac, \ucd5c\uc2e0 \ub3d9\ud5a5 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0, \ubaa8\ub4e0 \ub2e8\uacc4\uc5d0\uc11c \uccb4\uacc4\uc801\uc778 \uc811\uadfc\uacfc \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\ub4e4\uc740 \ucd08\uae30\uc758 \uc791\uc740 \ud22c\uc790\uae08\uc774 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc5c4\uccad\ub09c \uc790\uc0b0\uc73c\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \ubcf5\ub9ac \ud6a8\uacfc\uc640 \ud568\uaed8, \uc548\uc815\uc801\uc778 \uacbd\uc81c\uc801 \uae30\ubc18\uc744 \ub9c8\ub828\ud574 \uc904 \uac83\uc785\ub2c8\ub2e4. \uc55e\uc73c\ub85c\ub3c4 \ubcc0\ud654\ud558\ub294 \uae08\uc735 \ud658\uacbd\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\uc751\ud558\uba70, \uc790\uc2e0\uc758 \ud22c\uc790 \ucca0\ud559\uacfc \uc804\ub7b5\uc744 \uafb8\uc900\ud788 \ubc1c\uc804\uc2dc\ucf1c \ub098\uac04\ub2e4\uba74, 20\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \ubd84\uba85 \uacbd\uc81c\uc801 \ub3c5\ub9bd\uacfc \ubbf8\ub798\uc758 \uafc8\uc744 \uc774\ub8f0 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>20\ub300\ub97c \uc704\ud55c \uc8fc\uc2dd \ud22c\uc790 \uc785\ubb38 \uac00\uc774\ub4dc. \uc548\uc804\ud55c \uc804\ub7b5\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub85c \uae30\ucd08\ubd80\ud130 \ucc28\uadfc\ucc28\uadfc \uc2dc\uc791\ud558\ub294 \ubc29\ubc95\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":12634,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1965],"tags":[2091,2412,2320],"class_list":["post-57859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-growth","tag-investing","tag-loss"],"acf":[],"_links":{"self":[{"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/posts\/57859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/comments?post=57859"}],"version-history":[{"count":1,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/posts\/57859\/revisions"}],"predecessor-version":[{"id":57862,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/posts\/57859\/revisions\/57862"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/media\/12634"}],"wp:attachment":[{"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/media?parent=57859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/categories?post=57859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hnu4c.shop\/blog\/wp-json\/wp\/v2\/tags?post=57859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}