{"id":674,"date":"2026-03-27T07:01:00","date_gmt":"2026-03-26T22:01:00","guid":{"rendered":"https:\/\/seoulcast.com\/?p=674"},"modified":"2026-03-25T21:05:11","modified_gmt":"2026-03-25T12:05:11","slug":"60%ec%84%b8-%ec%9d%80%ed%87%b4%ec%9e%90-%ed%95%84%eb%8f%85-%ed%8c%8c%ec%82%b0%ec%9d%84-%eb%a7%89%ec%95%84%ec%a4%84-%ea%b8%b0%ec%a0%81%ec%9d%98-%eb%b1%85%ea%b0%80%eb%93%9cvanguard-%ed%8e%80%eb%93%9c","status":"publish","type":"post","link":"https:\/\/seoulcast.com\/?p=674","title":{"rendered":"60\uc138 \uc740\ud1f4\uc790 \ud544\ub3c5! \ud30c\uc0b0\uc744 \ub9c9\uc544\uc904 \uae30\uc801\uc758 \ubc45\uac00\ub4dc(Vanguard) \ud380\ub4dc 2\uac1c \uc644\ubcbd \ud574\ubd80."},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc740\ud1f4\uc758 \uacb0\uc2b9\uc120? \uc544\ub2c8, \uc0c8\ub85c\uc6b4 25\ub144\uc9dc\ub9ac \ub450 \ubc88\uc9f8 \ub9c8\ub77c\ud1a4\uc758 \uc2dc\uc791<\/h2>\n\n\n\n<p>\ub9cc\uc57d \uc5ec\ub7ec\ubd84\uc774 \uc624\ub298 \ub531 \uc740\ud1f4\ub97c \uc120\uc5b8\ud588\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud3c9\uc0dd \uc131\uc2e4\ud558\uac8c \uc77c\ud574\uc11c \ub540 \ud758\ub824 \ubaa8\uc740 \uc18c\uc911\ud55c \ub3c8\uc744 \uc544\uc8fc \uc548\uc804\ud558\uac8c \uc9c0\ud0a4\uaca0\ub2e4\uba74\uc11c, \uac00\uc7a5 \uc804\ud1b5\uc801\uc774\uace0 \ubcf4\uc218\uc801\uc778 \uc885\ud569 \ucc44\uad8c \ud380\ub4dc\uc5d0 \uc804 \uc7ac\uc0b0\uc744 \ubc00\uc5b4 \ub123\ub294\ub2e4\uba74 \uc5b4\ub5a8\uae4c\uc694? \uc544\ub9c8 \ub2f9\uc7a5\uc740 \ub9c8\uc74c\uc774 \uc544\uc8fc \ud3b8\uc548\ud558\uc2e4 \uac81\ub2c8\ub2e4. \ub0b4 \uc6d0\uae08\uc774 \ubcf4\uc7a5\ub41c\ub2e4\ub294 \uadf8 \uc2ec\ub9ac\uc801\uc778 \uc548\uc815\uac10 \ub54c\ubb38\uc774\uaca0\uc8e0. \uadf8\ub7f0\ub370 \ub180\ub78d\uac8c\ub3c4 \uadf8 \uacb0\uc815\uc774 \uc5ec\ub7ec\ubd84\uc758 \uc790\uc0b0\uc744 \ucca0\ud1b5\uac19\uc774 \uc9c0\ud0a4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc5b4\uca4c\uba74 15\ub144 \uc548\uc5d0 \uc644\uc804\ud788 \ud30c\uc0b0\ud560 \uac83\uc774\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc2a4\uc2a4\ub85c \ubcf4\uc7a5\ud558\ub294 \uc148\uc77c\uc9c0\ub3c4 \ubaa8\ub978\ub2e4\uba74 \ubbff\uc73c\uc2dc\uaca0\uc2b5\ub2c8\uae4c?<\/p>\n\n\n\n<p>\uc0dd\uac01\ub9cc \ud574\ub3c4 \uc0c8\ubcbd 2\uc2dc\uc5d0 \ucc9c\uc7a5\uc744 \ubc14\ub77c\ubcf4\uba70 \uc9c4\ub540\uc744 \ud758\ub9b4 \uc77c\uc785\ub2c8\ub2e4. &#8220;\uc2dd\ub8cc\ud488\uac12\uc740 \ub9e4\uc77c\ub9e4\uc77c \uc624\ub974\uace0, \ubcf4\ud5d8\ub8cc\ub3c4 \ubbf8\uce5c \ub4ef\uc774 \ub6f0\ub294\ub370 \ub0b4 \uc800\ucd95\uc774 \uacfc\uc5f0 \uc774 \ubaa8\ub4e0 \uac83\uc744 \uac10\ub2f9\ud560 \ub9cc\ud07c \ucda9\ubd84\ud560\uae4c?&#8221; \ud558\ub294 \uadfc\ubcf8\uc801\uc778 \ubd88\uc548\uac10\uc774 \uc5c4\uc2b5\ud558\uc8e0. \uc601\uc0c1 \uc18d \ub300\ud654\uc5d0\uc11c \uc544\uc8fc \ub0a0\uce74\ub86d\uac8c \uc9c0\uc801\ud558\ub4ef, \uc6b0\ub9ac\uac00 \ud754\ud788 \uc740\ud1f4\ub97c \uc0dd\uac01\ud560 \ub54c \ube60\uc9c0\ub294 \uac00\uc7a5 \ud070 \ucc29\uac01 \uc911 \ud558\ub098\uac00 \ubc14\ub85c &#8217;60\uc138&#8217;\ub77c\ub294 \ub098\uc774\ub97c \uc77c\uc885\uc758 \uacb0\uc2b9\uc120\uc73c\ub85c \uc5ec\uae34\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. &#8220;\uc544, \uc774\uc81c \ub2e4 \ub05d\ub0ac\ub2e4! \ud479 \uc26c\uc790!&#8221; \ud558\uba74\uc11c \ub3c8\uc744 \uc548\uc804\ud55c \uae08\uace0\uc5d0 \ub123\uc5b4\ub450\uace0 \uc57c\uae08\uc57c\uae08 \ube7c\uc11c \uc4f0\uae30\ub9cc \ud558\uba74 \ub41c\ub2e4\uace0 \uc0dd\uac01\ud558\uc2ed\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud1b5\uacc4\uc801\uc73c\ub85c \ubcfc \ub54c \ud604\uc7ac\uc758 60\uc138\ub294 \uc55e\uc73c\ub85c 80\ub300 \uc911\ud6c4\ubc18\uae4c\uc9c0, \uc989 \ucd5c\uc18c 20\ub144\uc5d0\uc11c 25\ub144\uc744 \ub354 \uc0b4\uac8c \ub429\ub2c8\ub2e4. \uc774\uac74 \ub9c8\ub77c\ud1a4\uc744 \uc644\uc8fc\ud558\uace0 \uc274 \ub54c\uac00 \uc544\ub2c8\ub77c, \uc644\uc804\ud788 \uc0c8\ub85c\uc6b4 25\ub144\uc9dc\ub9ac \ub450 \ubc88\uc9f8 \ub9c8\ub77c\ud1a4\uc774 \uc2dc\uc791\ub418\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc870\uc6a9\ud55c \uc554\uc0b4\uc790 \uc778\ud50c\ub808\uc774\uc158\uacfc \ucc22\uc5b4\uc9c4 \uad6c\uba85\uc870\ub07c\uc758 \ube44\uadf9<\/h2>\n\n\n\n<p>\uadf8 25\ub144\uc774\ub77c\ub294 \uae34 \uc2dc\uac04 \ub3d9\uc548 \uc6b0\ub9ac \ub3c8\uc744 \uac00\ub9cc\ud788 \uae08\uace0\uc5d0 \ubaa8\uc154\ub454\ub2e4\uba74, \ubcf4\uc774\uc9c0 \uc54a\ub294 \ub3c4\ub451\uc778 &#8216;\uc778\ud50c\ub808\uc774\uc158&#8217;\uc774 \ub9e4\uc77c \ubc24 \uc870\uc6a9\ud788 \uc6b0\ub9ac\uc758 \uad6c\ub9e4\ub825\uc744 \ud6d4\uccd0 \uac08 \uac83\uc785\ub2c8\ub2e4. \ub9c8\ud2b8\uc5d0 \uac08 \ub54c\ub9c8\ub2e4 \uc601\uc218\uc99d\uc5d0 \ucc0d\ud78c \uc22b\uc790\ub97c \ubcf4\uace0 \ud5c9\ud558\uac70\ub098, \ub9e4\ub2ec \ube60\uc838\ub098\uac00\ub294 \uc5d0\ub108\uc9c0 \uccad\uad6c\uc11c\ub97c \ubcf4\uba74\uc11c \ub4f1\uace8\uc774 \uc11c\ub298\ud574\uc9c4 \uacbd\ud5d8, \uccad\ucde8\uc790 \uc5ec\ub7ec\ubd84\ub3c4 \ub2e4\ub4e4 \uc788\uc73c\uc2e4 \uac81\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc740 \ub2e8\uc21c\ud788 \ubb3c\uac74\uac12\uc744 \uc62c\ub9ac\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc740\ud1f4\uc790\ub4e4\uc744 \uc544\uc8fc \uc9c0\ub3c5\ud55c \ub51c\ub808\ub9c8\uc5d0 \ube60\uc9c0\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \ubb3c\uac00 \uc0c1\uc2b9\uc744 \uc774\uaca8\ub0b4\ub824\uba74 \ub3c8\uc774 \uacc4\uc18d \uc2dc\uc7a5\uc5d0\uc11c \uc131\uc7a5\ud574\uc57c \ud558\ub294\ub370, \ub3d9\uc2dc\uc5d0 \ub2f9\uc7a5 \ub0b4\uc77c \uc2dc\uc7a5\uc774 35% \ud3ed\ub77d\ud558\ub354\ub77c\ub3c4 \ub2e4\uc74c \ub2ec \uc0dd\ud65c\ube44\ub97c \uc548\uc815\uc801\uc73c\ub85c \ud655\ubcf4\ud558\ub824\uba74 \uc790\uc0b0\uc744 \ubcf4\ud638\ud574\uc57c\ub9cc \ud558\uc8e0.<\/p>\n\n\n\n<p>\uc774 \ubaa8\uc21c\uc801\uc778 \uc0c1\ud669\uc5d0\uc11c \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uadf8\ub3d9\uc548 \uc575\ubb34\uc0c8\ucc98\ub7fc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc808\ubc18 \uc774\uc0c1\uc744 BND \uac19\uc740 \uc804\ud1b5\uc801\uc778 \uc885\ud569 \ucc44\uad8c \ud380\ub4dc\ub85c \ucc44\uc6b0\ub77c\uace0 \uc870\uc5b8\ud588\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud1b5\uacc4\uac00 \uc99d\uba85\ud558\ub4ef, \uc774\ub7f0 \uc804\ud1b5\uc801\uc778 \ucc44\uad8c \ud380\ub4dc\ub4e4\uc740 \ucd5c\uadfc 10\ub144 \ub3d9\uc548 \uace0\uc791 1.5%\uc5d0\uc11c 2% \uc5b8\uc800\ub9ac\uc758 \ucc98\ucc38\ud55c \ud3c9\uade0 \uc218\uc775\ub960\uc744 \ub0c8\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ubb3c\uac00\uac00 3%, 4%\ub97c \ub118\uc5b4 \uc2ec\uc9c0\uc5b4 8%\uae4c\uc9c0 \uce58\uc19f\ub294 \ud604\uc2e4\uc5d0\uc11c \ub0b4 \ub3c8\uc774 2%\uc529\ub9cc \uc790\ub780\ub2e4\uba74? \uac00\ub9cc\ud788 \uc549\uc544\uc11c \ub9e4\ub144 \ub0b4 \ub3c8\uc758 \uac00\uce58\uac00 \ub9c8\uc774\ub108\uc2a4\uac00 \ub418\uace0 \uc788\ub294 \uac81\ub2c8\ub2e4. \ube44\uc720\ud558\uc790\uba74, \ubb3c\uc5d0 \ube60\uc9c0\uc9c0 \uc54a\uc73c\ub824\uace0 \uad6c\uba85\uc870\ub07c\ub97c \uc785\uc5c8\ub294\ub370 \uac70\uae30\uc5d0 \ubbf8\uc138\ud55c \uad6c\uba4d\uc774 \ub6ab\ub824 \uc788\uc5b4\uc11c \uc544\uc8fc \ucc9c\ucc9c\ud788 \ubc14\ub2e4 \ubc11\uc73c\ub85c \uac00\ub77c\uc549\uace0 \uc788\ub294 \uc0c1\ud669\uc778 \uac83\uc774\uc8e0. \uc790\uc2e0\uc774 \uac00\ub77c\uc549\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc870\ucc28 \uc778\uc9c0\ud558\uc9c0 \ubabb\ud558\ub2e4\uac00 5\ub144, 10\ub144 \ub4a4 \ub9c9\uc0c1 \ud070 \uc218\uc220\ube44\uac00 \ud544\uc694\ud574\uc84c\uc744 \ub54c\uc57c \ube44\ub85c\uc18c \ub0b4 \uad6c\ub9e4\ub825\uc774 \ubc18\ud1a0\ub9c9 \ub0ac\ub2e4\ub294 \uac78 \ubf08\uc800\ub9ac\uac8c \uae68\ub2eb\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7f0 \uc804\ud1b5\uc801 \ucc44\uad8c\uc740 \uc2e4\uc9c8\uc801\uc778 \ubc29\uc5b4\ub9c9 \uc5ed\ud560\uc744 \uc804\ud600 \ud558\uc9c0 \ubabb\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc131\uc7a5\uc758 \ub3d9\ub825\uacfc \ucca0\ubcbd \ubc29\uc5b4\ub9c9: \ub2e8 \ub450 \uac1c\uc758 \ubc45\uac00\ub4dc \ud380\ub4dc<\/h2>\n\n\n\n<p>\uadf8\ub798\uc11c \uc624\ub298 \uc6b0\ub9ac\ub294 \ubcf5\uc7a1\ud55c 10\uac1c\uc758 \ud380\ub4dc \ub300\uc2e0, \ub2e8 \ub450 \uac1c\uc758 \ubc45\uac00\ub4dc \ud380\ub4dc\ub9cc\uc73c\ub85c \uc644\ubcbd\ud55c \ubc29\uc5b4\uc120\uc744 \uad6c\ucd95\ud558\ub294 \uc804\ub7b5\uc744 \ub0b1\ub0b1\uc774 \ud30c\ud5e4\uccd0 \ubd05\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uccab \ubc88\uc9f8 \uc5d4\uc9c4: VYM (\ubc45\uac00\ub4dc \uace0\ubc30\ub2f9 \uc218\uc775\ub960 ETF)<\/h2>\n\n\n\n<p>\ub0b4 \uc790\uc0b0\uc758 70%\ub97c \ub04c\uace0 \uac08 \uac15\ub825\ud55c \uc131\uc7a5 \uc5d4\uc9c4\uc740 VYM\uc785\ub2c8\ub2e4. \uc774 \ud380\ub4dc\ub294 \ub0b4\uc77c \ub2f9\uc7a5 \uc138\uc0c1\uc744 \ubc14\uafc0\uc9c0\ub3c4 \ubaa8\ub974\uc9c0\ub9cc \ubcc0\ub3d9\uc131\uc774 \uadf9\uc2ec\ud55c \ud14c\uc2ac\ub77c\ub098 \uc5d4\ube44\ub514\uc544 \uac19\uc740 \uae30\uc220\uc8fc\uc5d0\ub294 \ub208\uae38\ub3c4 \uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub300\uc2e0 \ube0c\ub85c\ub4dc\ucef4, JP\ubaa8\uac74 \uccb4\uc774\uc2a4, \uc5d1\uc2a8\ubaa8\ube4c, \uc874\uc2a8\uc564\ub4dc\uc874\uc2a8, \ud648\ub514\ud3ec\ucc98\ub7fc \uc6b0\ub9ac \uacbd\uc81c\uc758 \ubf08\ub300\ub97c \uc774\ub8e8\ub294 550\uac1c\uc758 \ucd08\uc6b0\ub7c9 \uae30\uc5c5\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc8e0. \ub354 \ub180\ub77c\uc6b4 \uac83\uc740 0.04%\ub77c\ub294 \uadf9\ub2e8\uc801\uc73c\ub85c \ub0ae\uc740 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. 1\ucc9c\ub9cc \uc6d0\uc744 \ud22c\uc790\ud574\ub3c4 1\ub144\uc5d0 \ud380\ub4dc \ub9e4\ub2c8\uc800\uc5d0\uac8c \ub5bc\uc774\ub294 \ub3c8\uc774 \uace0\uc791 4\ucc9c \uc6d0\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>VYM\uc774 \uc778\ud50c\ub808\uc774\uc158\uc744 \uc774\uaca8\ub0b4\ub294 \uc9c4\uc9dc \uba54\ucee4\ub2c8\uc998\uc740 \uc774 \uc6b0\ub7c9 \uae30\uc5c5\ub4e4\uc774 \uac00\uc9c4 \ub9c9\uac15\ud55c &#8216;\uac00\uaca9 \uacb0\uc815\ub825&#8217;\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc6d0\uc790\uc7ac \uac00\uaca9\uc774 \uc624\ub974\uba74 \uc874\uc2a8\uc564\ub4dc\uc874\uc2a8\uc740 \ud0c0\uc774\ub808\ub180 \uac00\uaca9\uc744 \uc62c\ub9ac\uace0, \ud648\ub514\ud3ec\ub294 \uac74\ucd95 \uc790\uc7ac\ube44\ub97c \uc62c\ub9bd\ub2c8\ub2e4. \uc18c\ube44\uc790\ub294 \uc544\ud504\uba74 \uc57d\uc744 \uba39\uace0 \ube44\uac00 \uc0c8\uba74 \uc9c0\ubd95\uc744 \uace0\uccd0\uc57c \ud558\ub2c8 \uc5b4\uca54 \uc218 \uc5c6\uc774 \uc9c0\uac11\uc744 \uc5fd\ub2c8\ub2e4. \uacb0\uad6d \ubb3c\uac00 \uc0c1\uc2b9\ubd84\uc740 \uc544\uc8fc \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc18c\ube44\uc790\uc5d0\uac8c \uc804\uac00\ub418\uace0, \uae30\uc5c5\uc758 \uc774\uc775\uc740 \uacc4\uc18d \ucee4\uc9d1\ub2c8\ub2e4. \uadf8 \uacb0\uacfc \uc8fc\uc8fc\ub4e4\uc5d0\uac8c \ub098\ub220\uc8fc\ub294 \ubc30\ub2f9\uae08\ub3c4 \ub9e4\ub144 \ub298\uc5b4\ub098\uace0 \uc8fc\uac00 \uc5ed\uc2dc \uafb8\uc900\ud788 \uc6b0\uc0c1\ud5a5\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub450 \ubc88\uc9f8 \ubc29\uc5b4\ub9c9: VTIP (\ubc45\uac00\ub4dc \ub2e8\uae30 \ubb3c\uac00\uc5f0\ub3d9\ucc44\uad8c ETF)<\/h2>\n\n\n\n<p>\ub098\uba38\uc9c0 30%\ub97c \ucc45\uc784\uc9c0\uba70 \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ud3ed\ub77d\ud560 \ub54c \ub098\ub97c \uc9c0\ucf1c\uc904 \uc644\ubcbd\ud55c \ubc29\uc5b4\ub9c9\uc740 VTIP\uc785\ub2c8\ub2e4. \uc774 \ud380\ub4dc\ub294 25\uac1c\uc758 \ubbf8\uad6d \uc7ac\ubb34\ubd80 \ubb3c\uac00\uc5f0\ub3d9\ucc44\uad8c(TIPS)\uc5d0 \ud22c\uc790\ud569\ub2c8\ub2e4. \ubb3c\uac00\uac00 \ud3ed\ub4f1\ud574\ub3c4 \uc6d0\uae08\uc774 \ubcc0\ud558\uc9c0 \uc54a\ub294 \uc77c\ubc18 \ucc44\uad8c\uacfc \ub2ec\ub9ac, TIPS\uc758 \uc6d0\uae08\uc740 \uc815\ubd80\uac00 \ubc1c\ud45c\ud558\ub294 \uacf5\uc2dd \uc18c\ube44\uc790\ubb3c\uac00\uc9c0\uc218(CPI)\uc5d0 \uc9c1\uc811 \uc5f0\ub3d9\ub429\ub2c8\ub2e4. \uc989, \uc778\ud50c\ub808\uc774\uc158\uc774 \ubc1c\uc0dd\ud558\uba74 \ubbf8\uad6d \uc7ac\ubb34\ubd80\uac00 \uc5ec\ub7ec\ubd84\uc758 \uc6d0\uae08 \uc790\uccb4\ub97c \uac15\uc81c\ub85c \uc62c\ub824\ubc84\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub9cc\uc57d \uc778\ud50c\ub808\uc774\uc158\uc774 \uc2ec\ud574\uc9c0\uba74 100\ub2ec\ub7ec\uc600\ub358 \ub0b4 \uc6d0\uae08\uc774 110\ub2ec\ub7ec\ub85c \ud33d\ucc3d\ud558\uace0, \uadf8 \ud33d\ucc3d\ud55c 110\ub2ec\ub7ec\ub97c \uae30\uc900\uc73c\ub85c \uc774\uc790\ub97c \uc9c0\uae09\ud558\ub2c8 \ud604\uae08 \ud750\ub984\uc758 \ud30c\uc774 \uc790\uccb4\uac00 \ucee4\uc9c0\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \uad6d\uac00\uc758 \ubc95\uacfc \uc2dc\uc2a4\ud15c\uc774 \uad6c\ub9e4\ub825 \ud558\ub77d\uc744 \uae30\uacc4\uc801\uc73c\ub85c \ubc29\uc5b4\ud574 \uc8fc\ub294 \uc148\uc774\uc8e0. \uac8c\ub2e4\uac00 \ub2e8\uae30 \ucc44\uad8c\uc774\ub77c \uc790\uae08 \ud68c\uc218 \uae30\uac04\uc774 2.5\ub144 \uc815\ub3c4\ub85c \uc544\uc8fc \uc9e7\uc544\uc11c \uae08\ub9ac\uac00 \uc778\uc0c1\ub420 \ub54c \ucc44\uad8c \uac00\uaca9\uc774 \ud3ed\ub77d\ud558\ub294 \ud0c0\uaca9\ub3c4 \ud6e8\uc52c \ub35c \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud639\uc2dc \uc5ec\uae30\uc11c &#8220;\uc544\ubb34\ub9ac \uc774\ub860\uc774 \ud6cc\ub96d\ud574\ub3c4, \ub098\ub294 \ub2f9\uc7a5 \uc740\ud1f4 \ud1b5\uc7a5\uc5d0 \ub123\uc744 15\ub9cc \ub2ec\ub7ec \uac19\uc740 \ubaa9\ub3c8\uc774 \uc5c6\ub294\ub370 \uc5b4\ub5a1\ud558\ub0d0?&#8221;\ub77c\uace0 \ud55c\uc228 \uc26c\ub294 \ubd84\ub4e4\uc774 \uacc4\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc601\uc0c1\uc5d0\uc11c\ub294 \uc774\ub97c \uc544\uc8fc \ub2e8\ud638\ud558\uac8c \ubc14\ub85c\uc7a1\uc2b5\ub2c8\ub2e4. \uadf8\uac83\uc740 \ub2e8\uc21c\ud788 \uc18c\ub4dd\uc774 \ubd80\uc871\ud55c \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \ub0b4 \ub3c8\uc774 \uc5b4\ub514\ub85c \uc904\uc904 \uc0c8\uace0 \uc788\ub294\uc9c0 \ubaa8\ub974\ub294 &#8216;\uac00\uc2dc\uc131\uc758 \uacb0\uc5ec&#8217; \ubb38\uc81c\uc785\ub2c8\ub2e4. \ud55c \ub2ec\uc5d0 \uba87 \ubc88 \ubcf4\uc9c0\ub3c4 \uc54a\ub294 3~4\uac1c\uc758 \uc2a4\ud2b8\ub9ac\ubc0d \uc11c\ube44\uc2a4 \uad6c\ub3c5\ub8cc, \uc77c\uc8fc\uc77c\uc5d0 \ud55c \ubc88\uc529 \uc2b5\uad00\uc801\uc73c\ub85c \uc2dc\ucf1c \uba39\ub294 \uc57c\uc2dd \ube44\uc6a9, \uac00\uc9c0\ub3c4 \uc54a\ub294 \ud53c\ud2b8\ub2c8\uc2a4\uc13c\ud130 \uba64\ubc84\uc2ed \ub4f1 \uba85\uc138\uc11c\ub97c \ucca0\uc800\ud788 \ud574\ubd80\ud574\uc11c \ub9c9\uc544\ub0b4\uba74 \ub204\uad6c\ub098 \ub9e4\uc6d4 200~300\ub2ec\ub7ec\uc758 \uc789\uc5ec \uc790\uae08\uc744 \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8 \ub3c8\uc774 \uacb0\ucf54 \ud47c\ub3c8\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc774\ubc88 \ub2ec\ubd80\ud130 \ub2f9\uc7a5 \ubd88\ud544\uc694\ud55c \uc790\ub3d9 \uacb0\uc81c\ub97c \ub044\uace0, \uadf8 \uc789\uc5ec \uc790\uae08\uc744 70\ub300 30 \ube44\uc728\ub85c \ub450 \ud380\ub4dc\uc5d0 \ubc00\uc5b4 \ub123\uc5b4 \ubcf5\ub9ac\uc758 \ub9c8\ubc95\uc744 \uc2dc\uc791\ud558\uc138\uc694. \ube44\ub85d \uc2dc\uc791\uc740 \ubbf8\uc57d\ud560\uc9c0\ub77c\ub3c4, \uadf8\uac83\uc774 60\uc138 \ud30c\uc0b0\uc744 \ub9c9\uc544\ub0b4\ub294 \uc9c4\uc9dc \uccab\uac78\uc74c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae00\ub85c\ub9cc \uc77d\uace0 \ub118\uc5b4\uac00\uba74 \ub0b4 \uc790\uc0b0\uc774 \ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4! \ub354 \ubf08 \ub54c\ub9ac\ub294 \uc870\uc5b8\uacfc \ub2f9\uc7a5 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub294 \uad6c\uccb4\uc801\uc778 \uc561\uc158 \ud50c\ub79c\uc774 \uad81\uae08\ud558\ub2e4\uba74? \uc9c0\uae08 \ubc14\ub85c \uc544\ub798 \uc720\ud29c\ube0c \uc601\uc0c1 \ubc84\ud2bc\uc744 \ub204\ub974\uace0, \uc601\uc0c1 \uc18d \uc9c4\uc9dc \uafc0\ud301\ub4e4\uc744 \ud655\uc778\ud574 \ubcf4\uc138\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-embed is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/youtu.be\/r2vnySM4Otw\n<\/div><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udca1 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc9c8\ubb38 1: \uc6d0\uae08\uc774 \ubcf4\uc7a5\ub418\ub294 \uc804\ud1b5\uc801\uc778 \uc885\ud569 \ucc44\uad8c \ud380\ub4dc(BND)\uac00 \uc65c \uc740\ud1f4 \uc790\uc0b0\uc744 \uc704\ud611\ud558\ub098\uc694?<\/strong>\n<ul class=\"wp-block-list\">\n<li>60\uc138 \uc774\ud6c4\uc758 \uc740\ud1f4 \uae30\uac04\uc740 \ubcf4\ud1b5 20~25\ub144\uc73c\ub85c \ub9e4\uc6b0 \uae34 \ub9c8\ub77c\ud1a4\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc778 \ucc44\uad8c \ud380\ub4dc\uc758 \uc218\uc775\ub960\uc740 \ud3c9\uade0 1.5~2%\uc5d0 \ubd88\uacfc\ud558\uc5ec 3~8%\uc5d0 \ub2ec\ud558\ub294 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc744 \uc804\ud600 \ub530\ub77c\uac00\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc73c\ub85c \uc778\ud574 \ub9e4\ub144 \uad6c\ub9e4\ub825\uc774 \ud558\ub77d\ud558\uc5ec \ub9c8\uce58 \uad6c\uba4d \ub09c \uad6c\uba85\uc870\ub07c\ucc98\ub7fc \uc11c\uc11c\ud788 \uc790\uc0b0 \uac00\uce58\uac00 \ud5c8\uacf5\uc73c\ub85c \uc99d\ubc1c\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc9c8\ubb38 2: VYM \ud380\ub4dc\uac00 \uadf9\uc2ec\ud55c \uc778\ud50c\ub808\uc774\uc158\uc744 \ubc29\uc5b4\ud558\uace0 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \ud575\uc2ec \uc6d0\ub9ac\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong>\n<ul class=\"wp-block-list\">\n<li>VYM\uc740 \ubcc0\ub3d9\uc131\uc774 \ud070 \uae30\uc220\uc8fc\ub97c \ubc30\uc81c\ud558\uace0 \ud544\uc218 \uc18c\ube44\uc7ac\uc640 \uae08\uc735 \ub4f1 \uac15\ub825\ud55c &#8216;\uac00\uaca9 \uacb0\uc815\ub825&#8217;\uc744 \uac00\uc9c4 550\uc5ec \uac1c \ucd08\uc6b0\ub7c9 \uae30\uc5c5\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud569\ub2c8\ub2e4. \uc6d0\uc790\uc7ac \ub4f1 \ubb3c\uac00\uac00 \uc624\ub974\uba74 \uae30\uc5c5\uc774 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc81c\ud488 \uac00\uaca9(\uc608: \ud0c0\uc774\ub808\ub180, \uac74\ucd95 \uc790\uc7ac \ub4f1)\uc744 \uc62c\ub824 \uc774\uc775\uc744 \ubcf4\uc804\ud558\uace0, \uadf8 \ub298\uc5b4\ub09c \uc774\uc775\ub9cc\ud07c \ubc30\ub2f9\uae08\uacfc \uc8fc\uac00\uac00 \uc0c1\uc2b9\ud574 \uc2e4\uc9c8\uc801\uc778 \uc790\uc0b0 \uc131\uc7a5\uc744 \uc774\ub04c\uc5b4\ub0c5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc9c8\ubb38 3: \ub2f9\uc7a5 \ud22c\uc790\ud560 15\ub9cc \ub2ec\ub7ec \uac19\uc740 \ud070 \ubaa9\ub3c8\uc774 \uc5c6\uc5b4\ub3c4 \uc740\ud1f4 \uc900\ube44\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\ub098\uc694?<\/strong>\n<ul class=\"wp-block-list\">\n<li>\ub124, \ucda9\ubd84\ud788 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc7ac\ubb34 \uc804\ubb38\uac00\ub294 \ubaa9\ub3c8\uc774 \uc5c6\ub294 \uc0c1\ud669\uc744 \uc18c\ub4dd \ubd80\uc871\uc774 \uc544\ub2cc \uc9c0\ucd9c &#8216;\uac00\uc2dc\uc131&#8217;\uc758 \uacb0\uc5ec\ub85c \uc9c4\ub2e8\ud569\ub2c8\ub2e4. \uc4f0\uc9c0 \uc54a\ub294 \uc2a4\ud2b8\ub9ac\ubc0d \uad6c\ub3c5\ub8cc, \ubd88\ud544\uc694\ud55c \uc57c\uc2dd\ube44, \uc548 \uac00\ub294 \ud5ec\uc2a4\uc7a5 \ud68c\ube44 \ub4f1 \uc0c8\uc5b4\ub098\uac00\ub294 \uc9c0\ucd9c\uc744 \uc2dc\uac01\ud654\ud558\uc5ec \ucc3e\uc544\ub0b4\uace0, \ub9e4\uc6d4 200~300\ub2ec\ub7ec\uc529\uc774\ub77c\ub3c4 \ub2f9\uc7a5 VYM\uacfc VTIP\uc5d0 70\ub300 30\uc758 \ube44\uc728\ub85c \uafb8\uc900\ud788 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc911\uc694\ud55c \uccab\uac78\uc74c\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<script type=\"application\/ld+json\">\n{\n\"@context\": \"https:\/\/schema.org\",\n\"@type\": \"FAQPage\",\n\"mainEntity\": [\n{\n\"@type\": \"Question\",\n\"name\": \"\uc6d0\uae08\uc774 \ubcf4\uc7a5\ub418\ub294 \uc804\ud1b5\uc801\uc778 \uc885\ud569 \ucc44\uad8c \ud380\ub4dc(BND)\uac00 \uc65c \uc740\ud1f4 \uc790\uc0b0\uc744 \uc704\ud611\ud558\ub098\uc694?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"60\uc138 \uc774\ud6c4\uc758 \uc740\ud1f4 \uae30\uac04\uc740 \ubcf4\ud1b5 20~25\ub144\uc73c\ub85c \ub9e4\uc6b0 \uae34 \ub9c8\ub77c\ud1a4\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc778 \ucc44\uad8c \ud380\ub4dc\uc758 \uc218\uc775\ub960\uc740 \ud3c9\uade0 1.5~2%\uc5d0 \ubd88\uacfc\ud558\uc5ec 3~8%\uc5d0 \ub2ec\ud558\ub294 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc744 \uc804\ud600 \ub530\ub77c\uac00\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc73c\ub85c \uc778\ud574 \ub9e4\ub144 \uad6c\ub9e4\ub825\uc774 \ud558\ub77d\ud558\uc5ec \ub9c8\uce58 \uad6c\uba4d \ub09c \uad6c\uba85\uc870\ub07c\ucc98\ub7fc \uc11c\uc11c\ud788 \uc790\uc0b0 \uac00\uce58\uac00 \ud5c8\uacf5\uc73c\ub85c \uc99d\ubc1c\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"VYM \ud380\ub4dc\uac00 \uadf9\uc2ec\ud55c \uc778\ud50c\ub808\uc774\uc158\uc744 \ubc29\uc5b4\ud558\uace0 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \ud575\uc2ec \uc6d0\ub9ac\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"VYM\uc740 \ubcc0\ub3d9\uc131\uc774 \ud070 \uae30\uc220\uc8fc\ub97c \ubc30\uc81c\ud558\uace0 \ud544\uc218 \uc18c\ube44\uc7ac\uc640 \uae08\uc735 \ub4f1 \uac15\ub825\ud55c '\uac00\uaca9 \uacb0\uc815\ub825'\uc744 \uac00\uc9c4 550\uc5ec \uac1c \ucd08\uc6b0\ub7c9 \uae30\uc5c5\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud569\ub2c8\ub2e4. \uc6d0\uc790\uc7ac \ub4f1 \ubb3c\uac00\uac00 \uc624\ub974\uba74 \uae30\uc5c5\uc774 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc81c\ud488 \uac00\uaca9(\uc608: \ud0c0\uc774\ub808\ub180, \uac74\ucd95 \uc790\uc7ac \ub4f1)\uc744 \uc62c\ub824 \uc774\uc775\uc744 \ubcf4\uc804\ud558\uace0, \uadf8 \ub298\uc5b4\ub09c \uc774\uc775\ub9cc\ud07c \ubc30\ub2f9\uae08\uacfc \uc8fc\uac00\uac00 \uc0c1\uc2b9\ud574 \uc2e4\uc9c8\uc801\uc778 \uc790\uc0b0 \uc131\uc7a5\uc744 \uc774\ub04c\uc5b4\ub0c5\ub2c8\ub2e4.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"\ub2f9\uc7a5 \ud22c\uc790\ud560 15\ub9cc \ub2ec\ub7ec \uac19\uc740 \ud070 \ubaa9\ub3c8\uc774 \uc5c6\uc5b4\ub3c4 \uc740\ud1f4 \uc900\ube44\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\ub098\uc694?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"\ub124, \ucda9\ubd84\ud788 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc7ac\ubb34 \uc804\ubb38\uac00\ub294 \ubaa9\ub3c8\uc774 \uc5c6\ub294 \uc0c1\ud669\uc744 \uc18c\ub4dd \ubd80\uc871\uc774 \uc544\ub2cc \uc9c0\ucd9c '\uac00\uc2dc\uc131'\uc758 \uacb0\uc5ec\ub85c \uc9c4\ub2e8\ud569\ub2c8\ub2e4. \uc4f0\uc9c0 \uc54a\ub294 \uc2a4\ud2b8\ub9ac\ubc0d \uad6c\ub3c5\ub8cc, \ubd88\ud544\uc694\ud55c \uc57c\uc2dd\ube44, \uc548 \uac00\ub294 \ud5ec\uc2a4\uc7a5 \ud68c\ube44 \ub4f1 \uc0c8\uc5b4\ub098\uac00\ub294 \uc9c0\ucd9c\uc744 \uc2dc\uac01\ud654\ud558\uc5ec \ucc3e\uc544\ub0b4\uace0, \ub9e4\uc6d4 200~300\ub2ec\ub7ec\uc529\uc774\ub77c\ub3c4 \ub2f9\uc7a5 VYM\uacfc VTIP\uc5d0 70\ub300 30\uc758 \ube44\uc728\ub85c \uafb8\uc900\ud788 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc911\uc694\ud55c \uccab\uac78\uc74c\uc785\ub2c8\ub2e4.\"\n}\n}\n]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>\uc740\ud1f4\uc758 \uacb0\uc2b9\uc120? \uc544\ub2c8, \uc0c8\ub85c\uc6b4 25\ub144\uc9dc\ub9ac \ub450 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