{"id":309,"date":"2025-10-01T13:54:38","date_gmt":"2025-10-01T04:54:38","guid":{"rendered":"https:\/\/yes0rich.com\/?p=309"},"modified":"2025-10-01T13:54:40","modified_gmt":"2025-10-01T04:54:40","slug":"2025-irp-%ea%b3%84%ec%a2%8c-%ec%99%84%eb%b2%bd-%ea%b0%80%ec%9d%b4%eb%93%9c-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-%ec%a0%88%ec%84%b8-%ec%a0%84%eb%9e%b5-%ec%b4%9d","status":"publish","type":"post","link":"https:\/\/yes0rich.com\/?p=309","title":{"rendered":"2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc | \uc138\uc561\uacf5\uc81c, \ud1f4\uc9c1\uc5f0\uae08, \uc808\uc138 \uc804\ub7b5 \ucd1d \uc815\ub9ac"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\ubaa9\ucc28 \ud1a0\uae00\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/yes0rich.com\/?p=309\/#2025_IRP_%EA%B3%84%EC%A2%8C_%EC%99%84%EB%B2%BD_%EA%B0%80%EC%9D%B4%EB%93%9C_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5_%EC%B4%9D_%EC%A0%95%EB%A6%AC\" >2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc | \uc138\uc561\uacf5\uc81c, \ud1f4\uc9c1\uc5f0\uae08, \uc808\uc138 \uc804\ub7b5 \ucd1d \uc815\ub9ac<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C%EB%9E%80_%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88%EC%9D%98_%EA%B0%9C%EB%85%90\" >\u2705 IRP \uacc4\uc88c\ub780? (\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uac1c\ub150)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C%EC%9D%98_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_2025%EB%85%84_%EA%B8%B0%EC%A4%80\" >\u2705 IRP \uacc4\uc88c\uc758 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd (2025\ub144 \uae30\uc900)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP_vs_ISA_%E2%80%93_%EC%96%B4%EB%96%A4_%EC%B0%A8%EC%9D%B4%EA%B0%80_%EC%9E%88%EC%9D%84%EA%B9%8C\" >\u2705 IRP vs ISA \u2013 \uc5b4\ub5a4 \ucc28\uc774\uac00 \uc788\uc744\uae4c?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C_%EC%96%B4%EB%96%BB%EA%B2%8C_%EC%9A%B4%EC%9A%A9%ED%95%B4%EC%95%BC_%ED%95%A0%EA%B9%8C\" >\u2705 IRP \uacc4\uc88c, \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud574\uc57c \ud560\uae4c?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_2025%EB%85%84_IRP_%EA%B4%80%EB%A0%A8_%EC%A0%9C%EB%8F%84_%EB%B3%80%EA%B2%BD_%EC%82%AC%ED%95%AD\" >\u2705 2025\ub144 IRP \uad00\ub828 \uc81c\ub3c4 \ubcc0\uacbd \uc0ac\ud56d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C_%EC%82%AC%EC%9A%A9_%EC%8B%9C_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\" >\u2705 IRP \uacc4\uc88c \uc0ac\uc6a9 \uc2dc \uc8fc\uc758\uc0ac\ud56d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C%EB%8A%94_%EC%96%B8%EC%A0%9C_%EC%96%B4%EB%96%BB%EA%B2%8C_%EC%8B%9C%EC%9E%91%ED%95%B4%EC%95%BC_%ED%95%A0%EA%B9%8C\" >\u2705 IRP \uacc4\uc88c\ub294 \uc5b8\uc81c, \uc5b4\ub5bb\uac8c \uc2dc\uc791\ud574\uc57c \ud560\uae4c?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/yes0rich.com\/?p=309\/#%E2%9C%85_IRP%EB%8A%94_%EC%A0%88%EC%84%B8%EC%99%80_%EB%85%B8%ED%9B%84_%EC%A4%80%EB%B9%84%EB%A5%BC_%EB%8F%99%EC%8B%9C%EC%97%90_%ED%95%B4%EA%B2%B0%ED%95%98%EB%8A%94_%EA%B0%95%EB%A0%A5%ED%95%9C_%EA%B8%88%EC%9C%B5_%EC%A0%84%EB%9E%B5\" >\u2705 IRP\ub294 \uc808\uc138\uc640 \ub178\ud6c4 \uc900\ube44\ub97c \ub3d9\uc2dc\uc5d0 \ud574\uacb0\ud558\ub294 \uac15\ub825\ud55c \uae08\uc735 \uc804\ub7b5<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2025_IRP_%EA%B3%84%EC%A2%8C_%EC%99%84%EB%B2%BD_%EA%B0%80%EC%9D%B4%EB%93%9C_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_%EC%A0%88%EC%84%B8_%EC%A0%84%EB%9E%B5_%EC%B4%9D_%EC%A0%95%EB%A6%AC\"><\/span>2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc | \uc138\uc561\uacf5\uc81c, \ud1f4\uc9c1\uc5f0\uae08, \uc808\uc138 \uc804\ub7b5 \ucd1d \uc815\ub9ac <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"gb-block-image gb-block-image-0f084768\"><img decoding=\"async\" width=\"1080\" height=\"1080\" class=\"gb-image gb-image-0f084768 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc.jpg\" alt=\"\" title=\"2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc.jpg 1080w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-300x300.jpg 300w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-1024x1024.jpg 1024w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-150x150.jpg 150w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-768x768.jpg 768w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/1080;\" \/><\/figure>\n\n\n\n<p><br><br><strong>IRP \uacc4\uc88c<\/strong>, \ub4e4\uc5b4\ubcf4\uc168\ub098\uc694?<br>2025\ub144 \ud604\uc7ac, \uc815\ubd80\ub294 \uad6d\ubbfc\uc758 <strong>\ub178\ud6c4 \uc790\uc0b0 \ud615\uc131<\/strong>\uc744 \uc704\ud574 \ub2e4\uc591\ud55c \uc808\uc138 \uae08\uc735\uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\uace0 \uc788\ub294\ub370\uc694. \uadf8\uc911\uc5d0\uc11c\ub3c4 <strong>IRP(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08)<\/strong>\ub294 \uc9c1\uc7a5\uc778, \uc790\uc601\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c \ub4f1 \uc18c\ub4dd\uc774 \uc788\ub294 \ub204\uad6c\ub098 \uac00\uc785\ud560 \uc218 \uc788\ub294 <strong>\ub300\ud45c\uc801\uc778 \uc808\uc138\ud615 \uc7a5\uae30 \ud22c\uc790 \uc0c1\ud488<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 <strong>IRP \uacc4\uc88c\ub780 \ubb34\uc5c7\uc778\uc9c0<\/strong>, <strong>2025\ub144 \uac1c\uc815 \ub0b4\uc6a9<\/strong>, <strong>\uc138\uc561\uacf5\uc81c \ud61c\ud0dd<\/strong>, <strong>\uc6b4\uc6a9 \uc804\ub7b5<\/strong>, <strong>\uc8fc\uc758\ud560 \uc810<\/strong>\uae4c\uc9c0 \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud574 \ub4dc\ub9bd\ub2c8\ub2e4. \ud2b9\ud788 <strong>\ucd08\ubcf4 \ud22c\uc790\uc790<\/strong>\ub77c\uba74 \uaf2d \uc77d\uc5b4\ubcf4\uc2dc\uae38 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C%EB%9E%80_%EA%B0%9C%EC%9D%B8%ED%98%95_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88%EC%9D%98_%EA%B0%9C%EB%85%90\"><\/span>\u2705 IRP \uacc4\uc88c\ub780? (\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uac1c\ub150)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>IRP(Individual Retirement Pension)<\/strong>\ub294 \ud1f4\uc9c1\uae08 \ub610\ub294 \uc790\ubc1c\uc801\uc778 \ub0a9\uc785\uae08\uc744 \ud1b5\ud574 <strong>\ub178\ud6c4 \uc790\uae08\uc744 \uc900\ube44\ud560 \uc218 \uc788\ub294 \uacc4\uc88c<\/strong>\uc785\ub2c8\ub2e4. 2025\ub144 \uae30\uc900, \uc9c1\uc7a5\uc778\ubfd0 \uc544\ub2c8\ub77c <strong>\uc790\uc601\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c, \uacf5\ubb34\uc6d0 \ub4f1 \ubaa8\ub4e0 \uc18c\ub4dd\uc790<\/strong>\uac00 \uac00\uc785\ud560 \uc218 \uc788\uc73c\uba70, \ub0a9\uc785\uae08\uc5d0 \ub300\ud574 <strong>\uc138\uc561\uacf5\uc81c \ud61c\ud0dd<\/strong>\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uac00\uc785 \ub300\uc0c1<\/strong>: \ubaa8\ub4e0 \uc18c\ub4dd\uc790 (\uadfc\ub85c\uc790, \uc0ac\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c \ub4f1)<\/li>\n\n\n\n<li><strong>\uac00\uc785 \uc5f0\ub839<\/strong>: \ub9cc 19\uc138 \uc774\uc0c1<\/li>\n\n\n\n<li><strong>\uc6b4\uc6a9 \uc0c1\ud488<\/strong>: \uc608\uae08, \ud380\ub4dc, ETF, TDF(\ud0c0\uae43\ub370\uc774\ud2b8\ud380\ub4dc), \ucc44\uad8c\ud615 \ud380\ub4dc \ub4f1<\/li>\n\n\n\n<li><strong>\uac00\uc785 \ucc44\ub110<\/strong>: \uc740\ud589, \uc99d\uad8c\uc0ac, \ubcf4\ud5d8\uc0ac \ub4f1 \uae08\uc735\uae30\uad00<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C%EC%9D%98_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_2025%EB%85%84_%EA%B8%B0%EC%A4%80\"><\/span>\u2705 IRP \uacc4\uc88c\uc758 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd (2025\ub144 \uae30\uc900)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>IRP \uacc4\uc88c\ub294 \ub2e8\uc21c\ud55c \ud22c\uc790 \uacc4\uc88c\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ub0a9\uc785 \uae08\uc561\uc5d0 \ub300\ud574 <strong>\ucd5c\ub300 16.5%\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c<\/strong>\ub97c \ubc1b\uc744 \uc218 \uc788\uc5b4, \uace0\uc18c\ub4dd\uc790\ub294 \ubb3c\ub860 \uc911\uc800\uc18c\ub4dd\uc790\uc5d0\uac8c\ub3c4 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/th><th>\uacf5\uc81c\uc728<\/th><th>\ucd5c\ub300 \ud61c\ud0dd<\/th><\/tr><\/thead><tbody><tr><td>\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558<\/td><td>\uc5f0 700\ub9cc \uc6d0<\/td><td>16.5%<\/td><td>115.5\ub9cc \uc6d0<\/td><\/tr><tr><td>\ucd1d\uae09\uc5ec \ucd08\uacfc \uc2dc<\/td><td>\uc5f0 700\ub9cc \uc6d0<\/td><td>13.2%<\/td><td>92.4\ub9cc \uc6d0<\/td><\/tr><tr><td>\uc5f0\uae08\uc800\ucd95\uacfc IRP \ud569\uc0b0 \ud55c\ub3c4<\/td><td>\uc5f0 900\ub9cc \uc6d0<\/td><td>&#8211;<\/td><td>&#8211;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udc49 \uc608: IRP\uc5d0 700\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc, \ucd5c\ub300 115.5\ub9cc \uc6d0 \uc138\uc561\uacf5\uc81c<br>\ud83d\udc49 \ub0a9\uc785\uc740 \uc790\uc720\ub86d\uac8c \ud560 \uc218 \uc788\uc73c\ub098, \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ucd08\uacfc\ud55c \uae08\uc561\uc740 \ud61c\ud0dd \ub300\uc0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP_vs_ISA_%E2%80%93_%EC%96%B4%EB%96%A4_%EC%B0%A8%EC%9D%B4%EA%B0%80_%EC%9E%88%EC%9D%84%EA%B9%8C\"><\/span>\u2705 IRP vs ISA \u2013 \uc5b4\ub5a4 \ucc28\uc774\uac00 \uc788\uc744\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 \ud5f7\uac08\ub824 \ud558\ub294 \ubd80\ubd84\uc774 <strong>ISA \uacc4\uc88c\uc640 IRP\uc758 \ucc28\uc774\uc810<\/strong>\uc785\ub2c8\ub2e4. \ub450 \uacc4\uc88c \ubaa8\ub450 \uc808\uc138\ub97c \ubaa9\uc801\uc73c\ub85c \ud558\uc9c0\ub9cc \uc131\uaca9\uc740 \ub2e4\ub985\ub2c8\ub2e4. \ub450 \uacc4\uc88c\uc758 \ucc28\uc774\ub97c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>IRP<\/th><th>ISA<\/th><\/tr><\/thead><tbody><tr><td>\ubaa9\uc801<\/td><td>\ub178\ud6c4 \ub300\ube44<\/td><td>\uc77c\ubc18 \uc790\uc0b0\uad00\ub9ac<\/td><\/tr><tr><td>\uc808\uc138 \ubc29\uc2dd<\/td><td>\uc138\uc561\uacf5\uc81c (\uc18c\ub4dd \uacf5\uc81c)<\/td><td>\uc218\uc775 \ube44\uacfc\uc138<\/td><\/tr><tr><td>\ub0a9\uc785 \ud55c\ub3c4<\/td><td>\uc5f0 1,800\ub9cc \uc6d0 (\uacf5\uc81c\ub294 \ucd5c\ub300 700~900\ub9cc \uc6d0)<\/td><td>\uc5f0 3,000\ub9cc \uc6d0<\/td><\/tr><tr><td>\uc911\ub3c4 \uc778\ucd9c<\/td><td>\ubd88\uac00 (55\uc138 \uc774\ud6c4 \uc218\ub839)<\/td><td>\uac00\ub2a5 (3\ub144 \uc720\uc9c0 \uc2dc)<\/td><\/tr><tr><td>\uc218\ub839 \uc870\uac74<\/td><td>55\uc138 \uc774\ud6c4 \uc5f0\uae08 \ubc29\uc2dd \uc218\ub839<\/td><td>\uc790\uc720\ub86d\uac8c \ucd9c\uae08 \uac00\ub2a5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u2705 \uc804\ub7b5 \ud301: <strong>ISA\ub294 \ub2e8\uae30 \uc808\uc138<\/strong>, <strong>IRP\ub294 \uc7a5\uae30 \uc808\uc138 \ubc0f \ub178\ud6c4 \ub300\ube44<\/strong>\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"gb-block-image gb-block-image-dff52456\"><img decoding=\"async\" width=\"1080\" height=\"1080\" class=\"gb-image gb-image-dff52456 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-2.jpg\" alt=\"\" title=\"2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc 2\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-2.jpg 1080w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-2-300x300.jpg 300w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-2-1024x1024.jpg 1024w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-2-150x150.jpg 150w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/2025-IRP-\uacc4\uc88c-\uc644\ubcbd-\uac00\uc774\ub4dc-2-768x768.jpg 768w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/1080;\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C_%EC%96%B4%EB%96%BB%EA%B2%8C_%EC%9A%B4%EC%9A%A9%ED%95%B4%EC%95%BC_%ED%95%A0%EA%B9%8C\"><\/span><br><br>\u2705 IRP \uacc4\uc88c, \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud574\uc57c \ud560\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>IRP \uacc4\uc88c\ub294 \ub2e8\uc21c \uc608\uae08\ub3c4 \uac00\ub2a5\ud558\uc9c0\ub9cc, <strong>ETF, \ud380\ub4dc, TDF<\/strong> \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc5b4 <strong>\uc9c1\uc811 \uc790\uc0b0 \ubc30\ubd84<\/strong>\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud83d\udd39 <strong>\ucd08\ubcf4 \ud22c\uc790\uc790 \ucd94\ucc9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc608\uc2dc<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc608\uae08\ud615 \uc0c1\ud488 40%<\/li>\n\n\n\n<li>TDF(\uc740\ud1f4 \uc2dc\uc810 \uae30\uc900) 30%<\/li>\n\n\n\n<li>\ucc44\uad8c\ud615 \ud380\ub4dc 20%<\/li>\n\n\n\n<li>\uad6d\ub0b4\uc678 ETF 10%<\/li>\n<\/ul>\n\n\n\n<p>\u2705 TDF\ub294 \ud22c\uc790\uc790\uc758 \uc740\ud1f4 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 <strong>\uc704\ud5d8 \uc790\uc0b0\uacfc \uc548\uc804 \uc790\uc0b0 \ube44\uc728\uc744 \uc790\ub3d9 \uc870\uc808<\/strong>\ud574 \uc8fc\uae30 \ub54c\ubb38\uc5d0 \ucd08\ubcf4\uc790\uc5d0\uac8c \ud2b9\ud788 \uc801\ud569\ud569\ub2c8\ub2e4.<br>\u2705 ETF\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc73c\ub098, <strong>\uc218\uc218\ub8cc \ubc0f \ubcc0\ub3d9\uc131 \uad00\ub9ac<\/strong>\uac00 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_2025%EB%85%84_IRP_%EA%B4%80%EB%A0%A8_%EC%A0%9C%EB%8F%84_%EB%B3%80%EA%B2%BD_%EC%82%AC%ED%95%AD\"><\/span>\u2705 2025\ub144 IRP \uad00\ub828 \uc81c\ub3c4 \ubcc0\uacbd \uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025\ub144 \ud604\uc7ac, \uc815\ubd80\ub294 \ud1f4\uc9c1\uc5f0\uae08 \uc2dc\uc7a5 \ud65c\uc131\ud654\ub97c \uc704\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \ubcc0\ud654\ub97c \ucd94\uc9c4 \uc911\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ub514\ud3f4\ud2b8\uc635\uc158 \uc81c\ub3c4 \uac15\ud654<\/strong>\n<ul class=\"wp-block-list\">\n<li>\ud22c\uc790 \uc0c1\ud488 \ubbf8\uc9c0\uc815 \uc2dc \uc790\ub3d9\uc73c\ub85c TDF \ub4f1\uc73c\ub85c \uc6b4\uc6a9<\/li>\n\n\n\n<li>\ud22c\uc790 \uc811\uadfc\uc131 \ud5a5\uc0c1 \u2192 \ucd08\ubcf4\uc790 \ubcf4\ud638<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc6b4\uc6a9 \uc218\uc218\ub8cc \uacf5\uc2dc \uc758\ubb34 \uac15\ud654<\/strong>\n<ul class=\"wp-block-list\">\n<li>\uae08\uc735\uae30\uad00\ubcc4 IRP \uc0c1\ud488 \uc218\uc218\ub8cc \ube44\uad50 \uc26c\uc6cc\uc9d0<\/li>\n\n\n\n<li>\uc800\ube44\uc6a9 \uc0c1\ud488 \uc120\ud0dd \uac00\ub2a5<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc5f0\uae08 \uc218\ub839 \ubc29\uc2dd \ub2e4\uc591\ud654 \uc608\uc815<\/strong>\n<ul class=\"wp-block-list\">\n<li>55\uc138 \uc774\ud6c4 \ubd84\ud560, \uc77c\uc2dc, \ud63c\ud569 \ubc29\uc2dd \uc120\ud0dd \uac00\ub2a5<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc628\ub77c\uc778 \uc804\ud658 \uac15\ud654<\/strong>\n<ul class=\"wp-block-list\">\n<li>IRP \uac00\uc785 \ubc0f \uc0c1\ud488 \ubcc0\uacbd, \uc218\ub839 \uc2e0\uccad \ub4f1 \uc804\uc790\ud654 \ud655\ub300<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C_%EC%82%AC%EC%9A%A9_%EC%8B%9C_%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\"><\/span>\u2705 IRP \uacc4\uc88c \uc0ac\uc6a9 \uc2dc \uc8fc\uc758\uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>IRP \uacc4\uc88c \uc0ac\uc6a9\uc2dc \uc8fc\uc758 \uc0ac\ud56d\uc774 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2757 <strong>\uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc138\uc561\uacf5\uc81c \ubc1b\uc740 \uae08\uc561\uc740 \ubc18\ud658<\/strong>\ud574\uc57c \ud558\uba70, \uae30\ud0c0\uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\u2757 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud558\uc9c0 \uc54a\uc73c\uba74 <strong>\uae30\uc874 \uc138\uc81c \ud61c\ud0dd\uc774 \uc0ac\ub77c\uc9c8 \uc218 \uc788\uc74c<\/strong><\/li>\n\n\n\n<li>\u2757 \uae08\uc735\uae30\uad00\ubcc4 \uc0c1\ud488 \uad6c\uc131, \uc218\uc218\ub8cc, \uace0\uac1d \uc11c\ube44\uc2a4 \ud488\uc9c8 \ucc28\uc774 \ud07c \u2192 \ube44\uad50 \ud544\uc218<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP_%EA%B3%84%EC%A2%8C%EB%8A%94_%EC%96%B8%EC%A0%9C_%EC%96%B4%EB%96%BB%EA%B2%8C_%EC%8B%9C%EC%9E%91%ED%95%B4%EC%95%BC_%ED%95%A0%EA%B9%8C\"><\/span>\u2705 IRP \uacc4\uc88c\ub294 \uc5b8\uc81c, \uc5b4\ub5bb\uac8c \uc2dc\uc791\ud574\uc57c \ud560\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>IRP\ub294 <strong>\ube60\ub97c\uc218\ub85d \uc720\ub9ac\ud55c \uc0c1\ud488<\/strong>\uc785\ub2c8\ub2e4.<br>\ub9e4\ub144 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc73c\uba74\uc11c, \ubcf5\ub9ac \ud6a8\uacfc\ub85c <strong>\uc740\ud1f4 \uc790\uc0b0\uc744 \uc7a5\uae30\uc801\uc73c\ub85c \ud0a4\uc6b8 \uc218 \uc788\uae30 \ub54c\ubb38<\/strong>\uc785\ub2c8\ub2e4.<br>\uc9c0\uae08\uc740 \uc18c\ub4dd\uc774 \ub9ce\uc9c0 \uc54a\ub354\ub77c\ub3c4, <strong>\uc5f0\uae08\uc800\ucd95 + IRP<\/strong>\ub97c \ubcd1\ud589\ud558\uba74 \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uc774 \ubcf4\ub2e4 \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_IRP%EB%8A%94_%EC%A0%88%EC%84%B8%EC%99%80_%EB%85%B8%ED%9B%84_%EC%A4%80%EB%B9%84%EB%A5%BC_%EB%8F%99%EC%8B%9C%EC%97%90_%ED%95%B4%EA%B2%B0%ED%95%98%EB%8A%94_%EA%B0%95%EB%A0%A5%ED%95%9C_%EA%B8%88%EC%9C%B5_%EC%A0%84%EB%9E%B5\"><\/span>\u2705 IRP\ub294 \uc808\uc138\uc640 \ub178\ud6c4 \uc900\ube44\ub97c \ub3d9\uc2dc\uc5d0 \ud574\uacb0\ud558\ub294 \uac15\ub825\ud55c \uae08\uc735 \uc804\ub7b5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>IRP \uacc4\uc88c\ub294 \ub2e8\uc21c\ud55c \uc5f0\uae08 \uacc4\uc88c\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/strong><br>\ub9e4\ub144 \ub0a9\uc785\uc561\uc5d0 \ub300\ud574 <strong>\uc138\uae08 \ud658\uae09\uc744 \ubc1b\uc73c\uba74\uc11c<\/strong>,<br>\ud5a5\ud6c4\uc5d0\ub294 <strong>\ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc73c\ub85c \ub178\ud6c4 \uc790\uae08\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc218\ub839<\/strong>\ud560 \uc218 \uc788\ub294 <strong>\uc815\ubd80 \uc9c0\uc6d0\ud615 \uc808\uc138 \ub3c4\uad6c<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd08\ubcf4 \ud22c\uc790\uc790\uc77c\uc218\ub85d \uc9c0\uae08 \ub2f9\uc7a5 \uc18c\uc561\ubd80\ud130 IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0, \uc0c1\ud488\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\ub97c \ub192\uc5ec\uac00\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<br><strong>2025\ub144 IRP, \uc120\ud0dd\uc774 \uc544\ub2cc \ud544\uc218\uc785\ub2c8\ub2e4.<\/strong><br><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"gb-block-image gb-block-image-380c3862\"><a href=\"https:\/\/yes0rich.com\/2025-%eb%b9%84%ea%b3%bc%ec%84%b8-%ed%86%b5%ec%9e%a5-%eb%b9%84%ea%b5%90%ef%bd%9cisa-%ea%b3%84%ec%a2%8c-vs-%ec%b2%ad%eb%85%84%ed%98%95-%ec%86%8c%eb%93%9d%ea%b3%b5%ec%a0%9c-%ec%9e%a5%ea%b8%b0%ed%8e%80\/economic-policy-information\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"476\" height=\"227\" class=\"gb-image gb-image-380c3862 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\ube44\uacfc\uc138-\ube44\uad50.jpg\" alt=\"\" title=\"\ube44\uacfc\uc138 \ube44\uad50\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\ube44\uacfc\uc138-\ube44\uad50.jpg 476w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\ube44\uacfc\uc138-\ube44\uad50-300x143.jpg 300w\" data-sizes=\"(max-width: 476px) 100vw, 476px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 476px; --smush-placeholder-aspect-ratio: 476\/227;\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc | \uc138\uc561\uacf5\uc81c, \ud1f4\uc9c1\uc5f0\uae08, \uc808\uc138 \uc804\ub7b5 \ucd1d \uc815\ub9ac IRP \uacc4\uc88c, \ub4e4\uc5b4\ubcf4\uc168\ub098\uc694?2025\ub144 \ud604\uc7ac, \uc815\ubd80\ub294 \uad6d\ubbfc\uc758 \ub178\ud6c4 \uc790\uc0b0 &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc | \uc138\uc561\uacf5\uc81c, \ud1f4\uc9c1\uc5f0\uae08, \uc808\uc138 \uc804\ub7b5 \ucd1d \uc815\ub9ac\" class=\"read-more button\" href=\"https:\/\/yes0rich.com\/?p=309#more-309\" aria-label=\"2025 IRP \uacc4\uc88c \uc644\ubcbd \uac00\uc774\ub4dc | \uc138\uc561\uacf5\uc81c, \ud1f4\uc9c1\uc5f0\uae08, \uc808\uc138 \uc804\ub7b5 \ucd1d \uc815\ub9ac\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\uc790\uc138\ud788 \ubcf4\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[52,53,54,55,56,57,58],"class_list":{"0":"post-309","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"hentry","6":"category-economic-policy-information","7":"tag-irp","9":"tag-54","11":"tag-2025irp"},"_links":{"self":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/309","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=309"}],"version-history":[{"count":1,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/309\/revisions"}],"predecessor-version":[{"id":313,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/309\/revisions\/313"}],"wp:attachment":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}