{"id":709,"date":"2022-12-25T10:59:20","date_gmt":"2022-12-25T01:59:20","guid":{"rendered":"http:\/\/usastock.kr\/?p=709"},"modified":"2022-12-25T10:59:21","modified_gmt":"2022-12-25T01:59:21","slug":"%ec%9e%a5%ea%b8%b0%eb%a0%8c%ed%8a%b8-%eb%a6%ac%ec%8a%a4-%ec%8b%a0%ec%b0%a8%eb%93%9c%eb%a6%bc-%ec%b5%9c%ec%a0%80%ea%b0%80-%ea%b0%80%ea%b2%a9-%ec%95%88%eb%82%b4-%ec%9d%b4%eb%b2%a4%ed%8a%b8-%eb%a0%8c","status":"publish","type":"post","link":"https:\/\/usastock.kr\/?p=709","title":{"rendered":"\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc2e0\ucc28\ub4dc\ub9bc \ucd5c\uc800\uac00 \uac00\uaca9 \uc548\ub0b4 \uc774\ubca4\ud2b8 \ub80c\ud2b8 \uac00\uaca9\ube44\uad50"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8<\/strong><\/h2>\n\n\n
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\uc7a5\uae30\ub80c\ud2b8 | \uc7a5\uae30\ub80c\ud2b8\uce74 | \uc790\ub3d9\ucc28\ub9ac\uc2a4 | \uc7a5\uae30\ub80c\ud130\uce74 | \uc7a5\uae30\ub80c\ud2b8\uac00\uaca9\ube44\uad50<\/div>
\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc804\ubb38 \ubc95\uc778<\/div><\/div><\/div>\n\n\n

\ubbf8\uad6d \uc778\ud50c\ub808\uc774\uc158 \uac10\uc18c\ubc95(IRA)\uc5d0 \uc804\uae30\ucc28 \ubcf4\uc870\uae08 \ucc28\ubcc4 \uc870\ud56d\uc744 \ub123\uc740 \uc870 \ub9e8\uce5c \ubbf8\uad6d \uc0c1\uc6d0\uc758\uc6d0(\ubbfc\uc8fc\ub2f9)\uc774 \ubcf4\uc870\uae08 \uc218\ud61c \ub300\uc0c1\uc778 ‘\uc0c1\uc5c5\uc6a9 \uc804\uae30\ucc28’\uc758 \ubc94\uc704\ub97c \ud655\ub300\ud574\ub2ec\ub77c\ub294 \ud55c\uad6d \uce21 \uc694\uccad\uc744 \ubc1b\uc544\ub4e4\uc5ec\uc11c\ub294 \uc548 \ub41c\ub2e4\ub294 \uc758\uacac\uc744 \ubbf8 \uc7ac\ubb34\ubd80\uc5d0 \uc81c\ucd9c\ud588\ub2e4. IRA\uc758 \uc5c4\uaca9\ud55c \uc138\uc561\uacf5\uc81c \ub300\uc0c1 \uc694\uac74\uc744 \uc6b0\ud68c\ud568\uc73c\ub85c\uc368 \ubd81\ubbf8 \ud22c\uc790\ub97c \ub298\ub9ac\ub824\ub294 \ubc95 \ucde8\uc9c0\ub97c \ud6fc\uc190\ud560 \uac83\uc774\ub77c\ub294 \uc8fc\uc7a5\uc774\ub2e4. \ubbf8 \uc0c1\uc6d0 \uc5d0\ub108\uc9c0\u00b7\ucc9c\uc5f0\uc790\uc6d0\uc704\uc6d0\ud68c(ENR)\uc758 \ub9cc\uce58\ub2c8 \uc758\uc6d0\uc740 13\uc77c(\ud604\uc9c0\uc2dc\uac04) \uc7ac\ub2db \uc610\ub7f0 \ubbf8 \uc7ac\ubb34\uc7a5\uad00\uc5d0\uac8c “\uc0c1\uc5c5\uc6a9 \uc804\uae30\ucc28 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc5d0 \ub9ac\uc2a4, \ub80c\ud130\uce74, \uacf5\uc720\ucc28\ub7c9\uc744 \ud3ec\ud568\uc2dc\ud0a4\uc9c0 \ub9d0\ub77c”\ub294 \ub0b4\uc6a9\uc758 \uc11c\ud55c\uc744 \ubcf4\ub0c8\ub2e4. \ub9e8\uce5c \uc758\uc6d0\uc740 \ubbf8 \uc0c1\uc6d0 \uc5d0\ub108\uc9c0\ucc9c\uc5f0\uc790\uc6d0\uc704\uc6d0\ud68c(ENR) \uc704\uc6d0\uc7a5\uc774\ub2e4. \uc678\uad6d\uc0b0 \uc804\uae30\ucc28\ub97c \ubcf4\uc870\uae08 \uc9c0\uc6d0 \ub300\uc0c1\uc5d0\uc11c \ubc30\uc81c\ud558\ub294 \uc870\ud56d\uc744 \ub123\ub294 \ub4f1 IRA \uc81c\uc815\uc744 \uc8fc\ub3c4\ud588\ub2e4. \uadf8\ub294 “\uc548\ud0c0\uae5d\uac8c\ub3c4 \uc77c\ubd80 \uc790\ub3d9\ucc28 \ud68c\uc0ac\uc640 \uc678\uad6d \uc815\ubd80\uac00 \ubbf8\uad6d \uc790\ub3d9\ucc28 \uc2dc\uc7a5\uc5d0\uc11c \ud070 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\ub294 \ub80c\ud130\uce74, \ub9ac\uc2a4 \ucc28\ub7c9, (\uc6b0\ubc84\uc640 \ub9ac\ud504\ud2b8\uc5d0 \uc0ac\uc6a9\ub418\ub294) \uacf5\uc720 \ucc28\ub7c9\uc774 7500\ub2ec\ub7ec\uc758 (\ubcf4\uc870\uae08) \uc804\uc561\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d (\uc870\ud56d\uc744) \uad11\ubc94\uc704\ud558\uac8c \ud574\uc11d\ud574\ub2ec\ub77c\uace0 \uc694\uccad\ud55c \uac83\uc73c\ub85c \uc548\ub2e4”\uba70 “\uadf8\ub7ec\ub098 \uc774\ub294 \uc5c4\uaca9\ud55c \uc0dd\uc0b0\uc9c0 \uc694\uac74\uc744 \uc6b0\ud68c\ud558\ub294 \uac83”\uc774\ub77c\uace0 \ubc1d\ud614\ub2e4.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8<\/strong><\/h2>\n\n\n
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\uc7a5\uae30\ub80c\ud2b8 | \uc7a5\uae30\ub80c\ud2b8\uce74 | \uc790\ub3d9\ucc28\ub9ac\uc2a4 | \uc7a5\uae30\ub80c\ud130\uce74 | \uc7a5\uae30\ub80c\ud2b8\uac00\uaca9\ube44\uad50<\/div>
\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc804\ubb38 \ubc95\uc778<\/div><\/div><\/div>\n\n\n

\uc774\uc5b4 “\ub9cc\uc57d \uc774 \ucc28\ub7c9\uae4c\uc9c0 (\ubcf4\uc870\uae08 \ud61c\ud0dd) \ub300\uc0c1\uc774 \ub41c\ub2e4\uba74 \ubd81\ubbf8\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc5d0 \uad00\uc2ec\uc744 \ub3cc\ub9ac\uace0 \ub300\uc2e0 \ud3c9\uc18c\ucc98\ub7fc (\uc790\uc2e0\ub4e4\uc758) \uc0ac\uc5c5\uc744 \uc774\uc5b4\uac08 \uac83”\uc774\ub77c\uba70 “\uadf8\ub7ec\uba74 \uc6b0\ub9ac \uc790\ub3d9\ucc28 \uc0b0\uc5c5\uc740 \ub354 \uc704\ud5d8\uc5d0 \ucc98\ud558\uac8c \ub420 \uac83\uc73c\ub85c \ud655\uc2e0\ud55c\ub2e4”\uace0 \uc8fc\uc7a5\ud588\ub2e4. \uadf8\ub7ec\uba74\uc11c “45W(\uc0c1\uc5c5\uc6a9 \uce5c\ud658\uacbd\ucc28)\ub77c\ub294 \uba85\uce6d\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774 \uadf8\uac83\uc740 \uc0c1\uc5c5\uc801 \uc6a9\ub3c4\uc5d0 \ud55c\uc815\ub3fc\uc57c \ud558\uba70 \ubbf8 \uc7ac\ubb34\ubd80\ub294 \uc758\ud68c\uc758 (\ubc95 \uc81c\uc815) \ucde8\uc9c0\uc5d0 \ub530\ub77c\uc57c \ud55c\ub2e4”\uba70 “\ub9ac\uc2a4, \ub80c\ud130\uce74, \uacf5\uc720 \ubaa9\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \ucc28\ub7c9\uc5d0\ub294 (\uc801\uc6a9\ud558\uc9c0 \uc54a\ub3c4\ub85d \ud558\ub294 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud574\uc57c \ud55c\ub2e4”\ub77c\uace0 \ucd09\uad6c\ud588\ub2e4. \ub9e8\uce5c \uc758\uc6d0\uc740 \ub610 \ub9ce\uc740 \ub3d9\ub9f9\uad6d\ub4e4\uc774 IRA\uc5d0 \ud3ec\ud568\ub41c \uac15\ub825\ud55c \uad6d\ub0b4(\ubbf8\uad6d) \uc0dd\uc0b0 \uc694\uad6c \uc870\uac74\uc5d0 \ud654\ub97c \ub0bc \uc218 \uc788\uace0 \uc774\ub97c \ud53c\ud560 \ubc29\ubc95\uc744 \ucc3e\uace0 \uc788\ub2e4\ub294 \uac83\ub3c4 \uc54c\uace0 \uc788\ub2e4\uba74\uc11c\ub3c4 \ubd84\uba85\ud788 \ub9d0\ud558\uc9c0\ub9cc \uc774 \ubc95\uc740 \ub3d9\ub9f9\uad6d\ub4e4\uc5d0\uac8c \uc0c1\ucc98\ub97c \uc8fc\uae30 \uc704\ud55c \uac83\uc774 \uc544\ub2c8\ub77c \uc774 \ub098\ub77c(\ubbf8\uad6d)\ub97c \ub3d5\uace0 \uc6b0\ub9ac\ub97c \ub354 \uac15\ud558\uac8c \ub9cc\ub4e4\uae30 \uc704\ud55c \uac83\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4. \uc774\uc5b4 “\uc774\uc5d0 \ubbf8 \uc7ac\ubb34\ubd80\ub294 45W\uc5d0 \ub300\ud55c \uc9c0\uce68\uc774 \uc678\uad6d \uae30\uc5c5\ub4e4\uc774 \ud55c\uad6d \uc790\ub3d9\ucc28 \uc2dc\uc7a5\uc5d0 \ubc94\ub78c\ud560 \uc218 \uc788\ub3c4\ub85d \uc138\ubc95 \ub0b4\uc5d0\uc11c \ud5c8\uc810\uc744 \ucc3e\uc73c\ub824\ub294 \ub370 \uad00\ub300\ud558\uc9c0 \uc54a\ub2e4”\ub77c\uace0 \uc7ac\ucc28 \uc694\uad6c\ud588\ub2e4.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8<\/strong><\/h2>\n\n\n
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\uc7a5\uae30\ub80c\ud2b8 | \uc7a5\uae30\ub80c\ud2b8\uce74 | \uc790\ub3d9\ucc28\ub9ac\uc2a4 | \uc7a5\uae30\ub80c\ud130\uce74 | \uc7a5\uae30\ub80c\ud2b8\uac00\uaca9\ube44\uad50<\/div>
\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc804\ubb38 \ubc95\uc778<\/div><\/div><\/div>\n\n\n

\uadf8\ub294 \ub098\ub294 \uc5d0\ub108\uc9c0\ucc9c\uc5f0\uc790\uc6d0\uc704\uc6d0\uc7a5\uc73c\ub85c\uc11c \uc774 \ub098\ub77c(\ubbf8\uad6d)\uac00 \uc5d0\ub108\uc9c0 \ub3c5\ub9bd\uc131\uc744 \ud655\ubcf4\ud558\uace0 \uc5d0\ub108\uc9c0 \uc548\ubcf4\ub97c \uacf5\uace0\ud788 \ud558\ub294 \ub370 \uc804\uc801\uc73c\ub85c \uc804\ub150\ud558\uace0 \uc788\ub2e4. IRA\uc5d0 \ub300\ud55c \uc758\ud68c\uc758 \uc758\ub3c4\ub294 \uba85\ud655\ud558\ub2e4. \ud574\ub2f9 \uc870\ud56d\uc740 \ud574\uc678 \uacf5\uae09\ub9dd \uc758\uc874\ub3c4\ub97c \uc904\uc774\uace0 \uad11\ubb3c\uc5d0\uc11c \ucc28\ub7c9\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc2e4\ud589 \uac00\ub2a5\ud55c \uad6d\ub0b4 \uacf5\uae09\ub9dd\uc744 \ub9cc\ub4dc\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\uae30 \uc704\ud55c \uac83\uc774\ub77c\uba70 \ube44\uc0c1\uc5c5\uc801 \uc6a9\ub3c4\uc758 \ucc28\ub7c9\uc774 45W \uc870\ud56d\uc744 \uc774\uc6a9\ud574 \uc2dc\uc2a4\ud15c\uc744 \uc18d\uc774\ub294 \uac83\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4\uace0 \uac15\uc870\ud588\ub2e4. 10\uc6d4 25\uc77c(\ud604\uc9c0 \uc2dc\uac04) \ubbf8\uad6d \uc870\uc9c0\uc544 \uc8fc \ube0c\ub77c\uc774\uc5b8 \uce74\uc6b4\ud2f0\uc5d0\uc11c \uc5f4\ub9b0 \ud604\ub300\ucc28\uadf8\ub8f9\uc758 \ubbf8\uad6d \uc804\uae30\ucc28 \uc804\uc6a9\uacf5\uc7a5 \uae30\uacf5\uc2dd\uc5d0\uc11c \uc8fc\uc694 \uad00\uacc4\uc790\ub4e4\uc774 \uacf5\uc7a5 \uac74\uc124\uc744 \uc54c\ub9ac\ub294 \uccab \uc0bd\uc744 \uc5f4\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8<\/strong><\/h2>\n\n\n
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\uc7a5\uae30\ub80c\ud2b8 | \uc7a5\uae30\ub80c\ud2b8\uce74 | \uc790\ub3d9\ucc28\ub9ac\uc2a4 | \uc7a5\uae30\ub80c\ud130\uce74 | \uc7a5\uae30\ub80c\ud2b8\uac00\uaca9\ube44\uad50<\/div>
\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc804\ubb38 \ubc95\uc778<\/div><\/div><\/div>\n\n\n

\uc67c\ucabd\ubd80\ud130 \ud638\uc138 \ubb34\ub1e8\uc2a4 \ud604\ub300\ucc28 \uae00\ub85c\ubc8c \ucd5c\uace0\uc6b4\uc601\ucc45\uc784\uc790(COO\u00b7\uc0ac\uc7a5), \uc724\uc2b9\uaddc \uae30\uc544 \ubd81\ubbf8\uad8c\uc5ed\ubcf8\ubd80\uc7a5(\ubd80\uc0ac\uc7a5), \uc7a5\uc7ac\ud6c8 \ud604\ub300\ucc28 \uc0ac\uc7a5, \uc870\ud0dc\uc6a9 \uc8fc\ubbf8\ub300\uc0ac, \uc815\uc758\uc120 \ud604\ub300\ucc28\uadf8\ub8f9 \ud68c\uc7a5(\uc67c\ucabd\uc5d0\uc11c \ub2e4\uc12f \ubc88\uc9f8), \ube0c\ub77c\uc774\uc5b8 \ucf10\ud504 \uc870\uc9c0\uc544 \uc8fc\uc9c0\uc0ac, \ubc84\ub514 \uce74\ud130 \uc5f0\ubc29 \ud558\uc6d0\uc758\uc6d0, \ub77c\ud30c\uc5d8 \uc6cc\ub179 \uc5f0\ubc29 \uc0c1\uc6d0\uc758\uc6d0, \uc874 \uc624\uc18c\ud504 \uc5f0\ubc29 \uc0c1\uc6d0\uc758\uc6d0, \ub3c8 \uadf8\ub808\uc774\ube0c\uc2a4 \ubbf8 \uc0c1\ubb34\ubd80 \uc7a5\uad00. \uc55e\uc11c \uc815\ubd80\ub294 \ud604\ub300\ucc28\u00b7\uae30\uc544\ucc28\uc640 \ud568\uaed8 \uc774\ub2ec \ucd08 \ubbf8\uad6d \uc815\ubd80\uc5d0 ‘\uc0c1\uc5c5\uc6a9 \uce5c\ud658\uacbd\ucc28’ \ubc94\uc704\uc5d0 \ub80c\ud130\uce74, \ub9ac\uc2a4 \uc6a9\ub3c4 \uc804\uae30\ucc28\ub3c4 \ud3ec\ud568\ud574\ub2ec\ub77c\ub294 \ub0b4\uc6a9\uc758 2\ucc28 \uc758\uacac\uc11c\ub97c \uc804\ub2ec\ud588\ub2e4.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8<\/strong><\/h2>\n\n\n
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\uc7a5\uae30\ub80c\ud2b8 | \uc7a5\uae30\ub80c\ud2b8\uce74 | \uc790\ub3d9\ucc28\ub9ac\uc2a4 | \uc7a5\uae30\ub80c\ud130\uce74 | \uc7a5\uae30\ub80c\ud2b8\uac00\uaca9\ube44\uad50<\/div>
\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc804\ubb38 \ubc95\uc778<\/div><\/div><\/div>\n\n\n

\ub80c\ud2b8\u00b7\ub9ac\uc2a4 \uacc4\uc57d \ub9cc\ub8cc \ucc28\ub7c9\uc5d0\ub294 \uc911\uace0\ucc28\uc5d0 \uc801\uc6a9\ud558\ub294 \ucd5c\ub300 4000\ub2ec\ub7ec\uc758 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud574\ub2ec\ub77c\uace0 \ud588\ub2e4. IRA\ub294 \ubd81\ubbf8\uc5d0\uc11c \ucd5c\uc885 \uc870\ub9bd\ud55c \uc804\uae30\ucc28\uc5d0 1000\ub9cc\uc6d0(\uc57d 7500\ub2ec\ub7ec)\uc744 \uc138\uc561\uacf5\uc81c \ud615\ud0dc\ub85c \ubcf4\uc870\uae08\uc744 \uc9c0\uae09\ud558\ub3c4\ub85d \ud558\uace0 \uc788\uc9c0\ub9cc \uc0c1\uc5c5\uc6a9 \uce5c\ud658\uacbd\ucc28\ub294 ‘\ubd81\ubbf8\uc5d0\uc11c \ucd5c\uc885 \uc870\ub9bd’ ‘\ubc30\ud130\ub9ac \ubd80\ud488\u00b7\uad11\ubb3c \ubbf8\uad6d\uc0b0 \uc77c\uc815 \ube44\uc728 \ucda9\uc871’ \ub4f1\uc758 \uc870\uac74 \uc5c6\uc774 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \uc900\ub2e4. \ub9cc\uce58\ub2c8 \uc758\uc6d0\uc758 ‘\uc601\ud5a5\ub825’\uc740 \ud55c\uad6d \ud611\uc0c1\uc5d0 \uc545\uc7ac\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uac00 \ub098\uc628\ub2e4. \ubbf8 \uc7ac\ubb34\ubd80\ub294 IRA \uc2dc\ud589\uc744 \uc704\ud55c \ud558\uc704 \uaddc\uc815\uc744 \uc5f0\ub9d0\uae4c\uc9c0 \ub9c8\ub828\ud560 \uacc4\ud68d\uc774\ub2e4. \ub610 \ud604\uc7ac \ubbf8\uc0c1\u00b7\ud558\uc6d0\uc5d0 \ubc1c\uc758\ub3fc \uc788\ub294 \uc77c\ubd80 \ubcf4\uc870\uae08 \uc9c0\uae09 \uc870\ud56d \uc2dc\ud589 3\ub144 \uc720\uc608 \uac1c\uc815\uc548 \ud1b5\uacfc\ub3c4 \uadf8\uc758 \uc9c0\uc9c0\uac00 \ud544\uc694\ud558\ub2e4. \ud55c\uad6d \uc815\ubd80\ub294 \ud604\uc9c0 \ud22c\uc790 \uc608\uc815 \uae30\uc5c5\uc5d0 \ub300\ud574\uc11c\ub294 \uc138\uc561\uacf5\uc81c \uc870\ud56d\uc758 \uc2dc\ud589\uc744 3\ub144 \uc720\uc608\ud574 \uc8fc\uae30\ub97c \ubc14\ub77c\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8<\/strong><\/h2>\n\n\n
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\uc7a5\uae30\ub80c\ud2b8 | \uc7a5\uae30\ub80c\ud2b8\uce74 | \uc790\ub3d9\ucc28\ub9ac\uc2a4 | \uc7a5\uae30\ub80c\ud130\uce74 | \uc7a5\uae30\ub80c\ud2b8\uac00\uaca9\ube44\uad50<\/div>
\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc804\ubb38 \ubc95\uc778<\/div><\/div><\/div>\n\n\n

\uc911\ub3c4\ubcf4\uc218 \uc131\ud5a5\uc758 \uadf8\ub294 \ubbfc\uc8fc\ub2f9\uacfc \uacf5\ud654\ub2f9\uc774 50\uc11d\uc529 \ub098\ub220\uac00\uc84c\ub358 \uc0c1\uc6d0\uc5d0\uc11c \uc0ac\uc2e4\uc0c1 \uce90\uc2a4\ud305\ubcf4\ud2b8\ub97c \uc7a1\uc73c\uba70 \uc885\uc885 \uc870 \ubc14\uc774\ub4e0 \ubbf8\uad6d \ud589\uc815\ubd80\uc758 \ubc1c\ubaa9\uc744 \uc7a1\uc544\uc654\ub2e4. IRA\uc758 \uc804\uc2e0\uc774\ub77c\uace0 \ud560 \uc218 \uc788\ub294 \ub354 \ub098\uc740 \uc7ac\uac74(BBB) \ubc95\uc548\ub3c4 \uadf8\uc758 \ubc18\ub300 \ub54c\ubb38\uc5d0 \uc7a5\uae30\uac04 \ud45c\ub958\ud558\uace0 \uc788\ub2e4. \ubbf8\uad6d \ubbfc\uc8fc\ub2f9\uc740 \uc9c0\ub09c\ub2ec \uc911\uac04\uc120\uac70\uc5d0\uc11c \uc0c1\uc6d0 \uc804\uccb4 \uc758\uc11d 100\uc11d \uc911 51\uc11d\uc744 \ud655\ubcf4\ud574 \ub0b4\ub144 \uc0c8 \ud68c\uae30\ubd80\ud130\ub294 \uadf8\uc758 \uc601\ud5a5\ub825\uc774 \uc57d\ud654\ub420 \uac83\uc774\ub77c\ub294 \ubd84\uc11d\uc774 \uc788\uc9c0\ub9cc \uc5ed\uc2dc \uc911\ub3c4\ubcf4\uc218 \uc131\ud5a5\uc758 \ud0a4\uc5b4\uc2a4\ud2f4 \uc2dc\ub098\ub9c8 \uc758\uc6d0\uc774 \uc9c0\ub09c\uc8fc \ud0c8\ub2f9\ud574 \ubcc0\uc218\uac00 \ub410\ub2e4. \ub2e4\ub9cc \ud45c\uacb0\uc5d0\uc11c \ub3d9\uc218\uac00 \ub418\uba74 \ub2f9\uc5f0\uc9c1 \uc0c1\uc6d0\uc758\uc7a5\uc778 \uce74\uba54\ub77c \ud574\ub9ac\uc2a4 \ubd80\ud1b5\ub839\uc774 \uce90\uc2a4\ud305\ubcf4\ud2b8\ub97c \uc950\uac8c \ub41c\ub2e4.<\/p>\n\n\n

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\uac1c\uc778 \ud68c\uc0dd \ud30c\uc0b0 \uc2e0\uccad \ubc14\ub85c\uac00\uae30 \uace0\ud1b5 \ud574\uacb0 \ube44\uacf5\uac1c \uc0c1\ub2f4<\/div>
\uac1c\uc778 \ud68c\uc0dd \ud30c\uc0b0 \uc2e0\uccad \ube44\uacf5\uac1c \uc0c1\ub2f4 \ubc14\ub85c\uac00\uae30 :::: \uc11c\uc564\uc728 :::: \uac1c\uc778\ud68c\uc0dd\u00b7\ud30c\uc0b0\ud6c4\uae30\uc11c\uc564\uc728 \uac1c\uc778\ud68c\uc0dd\u00b7\ud30c\uc0b0 \uc0c1\ub2f4\uc13c\ud130\uac00 \ub3c4\uc640\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc11c\uc564\uc728 \uac1c\uc778\ud68c\uc0dd\u00b7\ud30c\uc0b0 \uc0c1\ub2f4\uc13c\ud130\uc5d0\uc11c\ub294 \uc6b0\ub9ac\uc758 \uc0dd\ud65c\uacfc \ubc00\uc811\ud55c \uad00\ub828\uc774 \uc788\ub294 \uac01\uc885 \ubc95\ub960 \uc0c1\ub2f4\uc744 \ud574\ub4dc\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2004 leaderscpa.com \ubaa9\ucc28 \uac1c\uc778 \ud68c\uc0dd \ud30c\uc0b0 \uc2e0\uccad \ube44\uacf5\uac1c \uc0c1\ub2f4 \ubc14\ub85c\uac00\uae30 :::: \uc11c\uc564\uc728 :::: \uac1c\uc778\ud68c\uc0dd\u00b7\ud30c\uc0b0\ud6c4\uae30\uc11c\uc564\uc728 \uac1c\uc778\ud68c\uc0dd\u00b7\ud30c\uc0b0 \uc0c1\ub2f4\uc13c\ud130\uac00 \ub3c4\uc640\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc11c\uc564\uc728 \uac1c\uc778\ud68c\uc0dd\u00b7\ud30c\uc0b0 \uc0c1\ub2f4\uc13c\ud130\uc5d0\uc11c\ub294 \uc6b0\ub9ac\uc758 \uc0dd\ud65c\uacfc \ubc00\uc811\ud55c \uad00\ub828\uc774 \uc788\ub294 \uac01\uc885 \ubc95\ub960 \uc0c1\ub2f4\uc744 \ud574\ub4dc\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2004 le\u2026<\/div><\/div><\/div>\n\n
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\uc2e0\uc6a9\ub300\ucd9c \ucd5c\uc800\uac00\ub85c \ub300\ucd9c \ubc1b\uae30<\/div>
\uc2e0\uc6a9\ub300\ucd9c \ucd5c\uc800\uac00 \uc2e0\uccad \ubc14\ub85c\uac00\uae30 \ubaa9\ucc28 \uc2e0\uc6a9\ub300\ucd9c \ucd5c\uc800\uac00 \uc2e0\uccad \ubc14\ub85c\uac00\uae30 \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uc758 4 \uc5f0\uc18d \u2018\uc790\uc774\uc5b8\ud2b8 \uc2a4\ud15d\u2019(\uae30\uc900\uae08\ub9ac 0.75% \uc778\uc0c1) \uc5ec\ud30c\ub85c \uc2dc\uc911 \uac1c\uc778 \uc2e0\uc6a9\ub300\ucd9c \uae08\ub9ac\uac00 \uc5f0 20%\ub300\ub97c \ud5a5\ud558\uace0 \uc788\ub2e4. \uc774\uc790 \ubd80\ub2f4\uc774 \ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub098\uba74\uc11c \uae08\uc735\uad8c\uc5d0\uc11c\ub294 \ucde8\uc57d \ucc28\uc8fc\uc758 \ucc44\ubb34\uc0c1\ud658\ub2a5\ub825 \uc545\ud654\ub97c \uc6b0\ub824\ud558\ub294 \ubaa9\uc18c\ub9ac\uac00 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. \ud2b9\ud788 \uc11c\ubbfc\ub4e4\uc774 \uc8fc\ub85c \uc774\uc6a9\ud558\ub294 \uc81c2\uae08\uc735\uad8c\uc744 \uc911\uc2ec\uc73c\ub85c \ub300\ucd9c \ubb38\ud131\uc744 \ub192\uc774\ub294 \ucd94\uc138\uc5ec\uc11c \uae30\uc5c5\uc790\uae08\uc2dc\uc7a5\ubfd0 \uc544\ub2c8\ub77c \uc11c\ubbfc\uae08\uc735\uc2dc\uc7a5\uc758 \uacbd\uc0c9 \ubb38\uc81c\ub3c4 \ud45c\uba74\ud654\ub420 \uac83\uc73c\ub85c \uc6b0\ub824\ub41c\ub2e4. 4\uc77c 1\u00b72 \uae08\uc735\uad8c\uc774 \uae08\uc735\uac10\ub3c5\uc6d0\uc5d0 \uc2e0\uace0\ud55c \uc2e0\uc6a9\ub300\ucd9c \uae08\ub9ac\u2026<\/div><\/div><\/div>\n\n
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\ubb34\uc9c1\uc790 \ub300\ucd9c \ub204\uad6c\ub098 \uc27d\uac8c \ub300\ucd9c \ubc1b\uae30 \ucd5c\uc800\uac00 \uae08\ub9ac<\/div>
\ubb34\uc9c1\uc790 \ub300\ucd9c \ub204\uad6c\ub098 \uc27d\uac8c \ub300\ucd9c\ubc1b\uae30 \ubaa9\ucc28 \ubb34\uc9c1\uc790 \ub300\ucd9c \ub204\uad6c\ub098 \uc27d\uac8c \ub300\ucd9c\ubc1b\uae30 \uc2e0\uc885 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4 \uac10\uc5fc\uc99d(\ucf54\ub85c\ub09819) \uc0ac\ud0dc\uac00 \uc7a5\uae30\ud654\ud558\uba74\uc11c \uc5bc\uc5b4\ubd99\uc5c8\ub358 \ucc44\uc6a9\uc2dc\uc7a5\uc774 \uc880\ucc98\ub7fc \ud68c\ubcf5\ub420 \uae30\ubbf8\ub97c \ubcf4\uc774\uc9c0 \uc54a\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucde8\uc5c5\uc774 \uc5b4\ub824\uc6b4 \uac83\ub3c4 \ud798\ub4e4\uc9c0\ub9cc \ub354 \uc2ac\ud508 \uc0c1\ud669\uc740 \uacbd\uc81c\ud65c\ub3d9\uc774 \uc911\ub2e8\ub418\uace0 \uc218\uc785\uc774 \uc904\uc5b4 \ub300\ucd9c\uc774 \ud544\uc694\ud588\uc744 \ub54c\uc785\ub2c8\ub2e4. \uc9c1\uc7a5\uc778\uc740 \ub300\ucd9c\uc744 \ubc1b\uae30 \uc27d\uc9c0\ub9cc \ucde8\uc5c5\uc900\ube44\uc0dd\uc774\ub098 \uc774\uc9c1\uc744 \uc900\ube44\ud558\ub294 \ub4f1 \uacbd\uc81c\ud65c\ub3d9\uc744 \ud558\uc9c0 \uc54a\ub294 \u2018\ubb34\uc9c1\uc790\u2019\uc758 \uacbd\uc6b0 \ub300\ucd9c\uc744 \ubc1b\uae30\uac00 \ud6e8\uc52c \uc5b4\ub835\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubb34\uc9c1\uc790\ub77c\uace0 \ud574\uc11c \ub300\ucd9c\uc744 \uc804\ud600 \ubabb \ubc1b\ub294 \uac74 \uc544\ub2c8\uc5d0\uc694. \ubc31\uc218\uc77c \uacbd\uc6b0\uc5d0\ub3c4 \uc81c1\uae08\uc735\uad8c\uacfc \uc81c2\uae08\u2026<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

\uc7a5\uae30\ub80c\ud2b8\u00a0\ub9ac\uc2a4\u00a0\uc2e0\ucc28\ub4dc\ub9bc\u00a0\ucd5c\uc800\uac00\u00a0\uac00\uaca9\u00a0\uc548\ub0b4\u00a0\uc774\ubca4\ud2b8 \ubbf8\uad6d \uc778\ud50c\ub808\uc774\uc158 \uac10\uc18c\ubc95(IRA)\uc5d0 \uc804\uae30\ucc28 \ubcf4\uc870\uae08 \ucc28\ubcc4 \uc870\ud56d\uc744 \ub123\uc740 \uc870 \ub9e8\uce5c \ubbf8\uad6d \uc0c1\uc6d0\uc758\uc6d0(\ubbfc\uc8fc\ub2f9)\uc774 \ubcf4\uc870\uae08 \uc218\ud61c \ub300\uc0c1\uc778 ‘\uc0c1\uc5c5\uc6a9 \uc804\uae30\ucc28’\uc758 \ubc94\uc704\ub97c \ud655\ub300\ud574\ub2ec\ub77c\ub294 \ud55c\uad6d \uce21 \uc694\uccad\uc744 \ubc1b\uc544\ub4e4\uc5ec\uc11c\ub294 \uc548 \ub41c\ub2e4\ub294 \uc758\uacac\uc744 \ubbf8 \uc7ac\ubb34\ubd80\uc5d0 \uc81c\ucd9c\ud588\ub2e4.… <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[676,420,328,925,926,204],"yoast_head":"\n\uc7a5\uae30\ub80c\ud2b8 \ub9ac\uc2a4 \uc2e0\ucc28\ub4dc\ub9bc \ucd5c\uc800\uac00 \uac00\uaca9 \uc548\ub0b4 \uc774\ubca4\ud2b8 \ub80c\ud2b8 \uac00\uaca9\ube44\uad50 - 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