{"id":325,"date":"2025-10-02T13:08:08","date_gmt":"2025-10-02T04:08:08","guid":{"rendered":"https:\/\/yes0rich.com\/?p=325"},"modified":"2025-10-02T13:09:05","modified_gmt":"2025-10-02T04:09:05","slug":"2025-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%99%84%ec%a0%84-%ec%a0%95%eb%a6%ac%ef%bd%9cirp%ec%99%80%ec%9d%98-%ec%b0%a8%ec%9d%b4%ec%a0%90-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c","status":"publish","type":"post","link":"https:\/\/yes0rich.com\/?p=325","title":{"rendered":"2025 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc644\uc804 \uc815\ub9ac\uff5cIRP\uc640\uc758 \ucc28\uc774\uc810, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd, \ud22c\uc790 \uc804\ub7b5 \ube44\uad50"},"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=325\/#2025_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EC%99%84%EC%A0%84_%EC%A0%95%EB%A6%AC%EF%BD%9CIRP%EC%99%80%EC%9D%98_%EC%B0%A8%EC%9D%B4%EC%A0%90_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_%ED%88%AC%EC%9E%90_%EC%A0%84%EB%9E%B5_%EB%B9%84%EA%B5%90\" >2025 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc644\uc804 \uc815\ub9ac\uff5cIRP\uc640\uc758 \ucc28\uc774\uc810, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd, \ud22c\uc790 \uc804\ub7b5 \ube44\uad50<\/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=325\/#%E2%9C%85_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C%EB%9E%80\" >\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub780?<\/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=325\/#%E2%9C%85_IRP%EC%99%80_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EB%AC%B4%EC%97%87%EC%9D%B4_%EB%8B%A4%EB%A5%BC%EA%B9%8C\" >\u2705 IRP\uc640 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c, \ubb34\uc5c7\uc774 \ub2e4\ub97c\uae4c?<\/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=325\/#%E2%9C%85_2025%EB%85%84_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_%EC%A0%95%EB%A6%AC\" >\u2705 2025\ub144 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd \uc815\ub9ac<\/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=325\/#%E2%9C%85_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EC%9A%B4%EC%9A%A9_%EC%A0%84%EB%9E%B5_%EC%B4%88%EB%B3%B4_%ED%88%AC%EC%9E%90%EC%9E%90%EC%9A%A9\" >\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc6b4\uc6a9 \uc804\ub7b5 (\ucd08\ubcf4 \ud22c\uc790\uc790\uc6a9)<\/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=325\/#%E2%9C%85_%EC%97%B0%EA%B8%88_%EC%88%98%EB%A0%B9_%EC%8B%9C_%EC%84%B8%EA%B8%88_%EA%B5%AC%EC%A1%B0%EB%8A%94\" >\u2705 \uc5f0\uae08 \uc218\ub839 \uc2dc \uc138\uae08 \uad6c\uc870\ub294?<\/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=325\/#%E2%9C%85_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C%EB%8A%94_%EC%9D%B4%EB%A0%87%EA%B2%8C_%ED%99%9C%EC%9A%A9%ED%95%98%EC%84%B8%EC%9A%94\" >\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub294 \uc774\ub807\uac8c \ud65c\uc6a9\ud558\uc138\uc694<\/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=325\/#%E2%9C%85_%EC%B0%B8%EA%B3%A0_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_%EA%B4%80%EB%A0%A8_%EA%B3%B5%EC%8B%9D_%ED%99%88%ED%8E%98%EC%9D%B4%EC%A7%80_%EC%95%88%EB%82%B4\" >\u2705 \ucc38\uace0: \uc138\uc561\uacf5\uc81c \ud61c\ud0dd \uad00\ub828 \uacf5\uc2dd \ud648\ud398\uc774\uc9c0 \uc548\ub0b4<\/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=325\/#%E2%9C%85_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EC%A7%80%EA%B8%88%EC%9D%B4_%EC%8B%9C%EC%9E%91%ED%95%A0_%EB%95%8C\" >\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c, \uc9c0\uae08\uc774 \uc2dc\uc791\ud560 \ub54c<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2025_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EC%99%84%EC%A0%84_%EC%A0%95%EB%A6%AC%EF%BD%9CIRP%EC%99%80%EC%9D%98_%EC%B0%A8%EC%9D%B4%EC%A0%90_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_%ED%88%AC%EC%9E%90_%EC%A0%84%EB%9E%B5_%EB%B9%84%EA%B5%90\"><\/span>2025 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc644\uc804 \uc815\ub9ac\uff5cIRP\uc640\uc758 \ucc28\uc774\uc810, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd, \ud22c\uc790 \uc804\ub7b5 \ube44\uad50<br><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"gb-block-image gb-block-image-24aa045c\"><a href=\"https:\/\/yes0rich.com\/2025-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95%ea%b3%84%ec%a2%8c-%ec%99%84%ec%a0%84-%ec%a0%95%eb%a6%ac%ef%bd%9cirp%ec%99%80%ec%9d%98-%ec%b0%a8%ec%9d%b4%ec%a0%90-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c\/economic-policy-information\/\"><img decoding=\"async\" width=\"1080\" height=\"1080\" class=\"gb-image gb-image-24aa045c lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c.jpg\" alt=\"\" title=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c.jpg 1080w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c-300x300.jpg 300w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c-1024x1024.jpg 1024w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c-150x150.jpg 150w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c-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;\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><br>\ub178\ud6c4 \uc900\ube44\ub294 \ub354 \uc774\uc0c1 \uba3c \ubbf8\ub798\uc758 \uc774\uc57c\uae30\uac00 \uc544\ub2d9\ub2c8\ub2e4.<br>\ud2b9\ud788 2025\ub144 \ud604\uc7ac, \uc815\ubd80\ub294 <strong>\uac1c\uc778\uc758 \uc790\ubc1c\uc801\uc778 \ub178\ud6c4 \uc790\uc0b0 \ud615\uc131<\/strong>\uc744 \uc7a5\ub824\ud558\uae30 \uc704\ud574<br><strong>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c<\/strong>\uc640 <strong>IRP(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08)<\/strong> \ub4f1 \ub2e4\uc591\ud55c \uc808\uc138\ud615 \uae08\uc735\uc0c1\ud488\uc744 \uc6b4\uc601 \uc911\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ub450 \uc81c\ub3c4\ub294 \uc774\ub984\uc740 \ube44\uc2b7\ud574\ub3c4 \uad6c\uc870\uc640 \ubaa9\uc801\uc774 \ub2e4\ub985\ub2c8\ub2e4.<br>\uc774 \uae00\uc5d0\uc11c\ub294 <strong>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc758 \uac1c\ub150\ubd80\ud130 IRP\uc640\uc758 \ucc28\uc774\uc810<\/strong>,<br><strong>2025\ub144 \uae30\uc900 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd<\/strong>, \uadf8\ub9ac\uace0 <strong>\ucd08\ubcf4 \ud22c\uc790\uc790\ub97c \uc704\ud55c \uc6b4\uc6a9 \uc804\ub7b5<\/strong>\uae4c\uc9c0<br>\ud55c\ub208\uc5d0 \uc815\ub9ac\ud574\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_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C%EB%9E%80\"><\/span>\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub780?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub294 <strong>\uac1c\uc778\uc774 \uc790\uc728\uc801\uc73c\ub85c \uac00\uc785\ud558\uc5ec \ub178\ud6c4\ub97c \uc704\ud55c \uc790\uae08\uc744 \uc801\ub9bd<\/strong>\ud558\uace0,<br>\ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08 \ud615\ud0dc\ub85c \uc218\ub839\ud560 \uc218 \uc788\ub3c4\ub85d \ub9cc\ub4e0 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uac00\uc785 \ub300\uc0c1<\/strong>: \ub300\ud55c\ubbfc\uad6d \uad6d\ubbfc \ub204\uad6c\ub098 \uac00\ub2a5<\/li>\n\n\n\n<li><strong>\uc5f0\uac04 \ub0a9\uc785 \ud55c\ub3c4<\/strong>: 1\uc778\ub2f9 400\ub9cc \uc6d0<\/li>\n\n\n\n<li><strong>\uc138\uc561\uacf5\uc81c \ud61c\ud0dd<\/strong>: \ucd5c\ub300 16.5% (264,000\uc6d0\uae4c\uc9c0 \uacf5\uc81c)<\/li>\n\n\n\n<li><strong>\uc6b4\uc6a9 \uc0c1\ud488<\/strong>: \uc5f0\uae08\uc800\ucd95\ud380\ub4dc, \uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8, \uc5f0\uae08\uc800\ucd95\uc2e0\ud0c1<\/li>\n<\/ul>\n\n\n\n<p>\u2705 \ud2b9\ud788 <strong>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc<\/strong>\ub294 ETF, \ucc44\uad8c\ud615\ud380\ub4dc, \uae00\ub85c\ubc8c \ud380\ub4dc \ub4f1\uc73c\ub85c \ud22c\uc790 \uac00\ub2a5\ud558\uc5ec<br><strong>\ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ucd98 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc6b4\uc6a9<\/strong>\uc774 \uac00\ub2a5\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_IRP%EC%99%80_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EB%AC%B4%EC%97%87%EC%9D%B4_%EB%8B%A4%EB%A5%BC%EA%B9%8C\"><\/span>\u2705 IRP\uc640 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c, \ubb34\uc5c7\uc774 \ub2e4\ub97c\uae4c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc5f0\uae08\uc800\ucd95\uacfc IRP\ub97c \ud63c\ub3d9\ud569\ub2c8\ub2e4.<br>\ud558\uc9c0\ub9cc <strong>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4, \uc6b4\uc6a9 \ubc29\uc2dd, \uc218\ub839 \uc870\uac74, \ubaa9\uc801<\/strong>\uc5d0\uc11c \ubd84\uba85\ud55c \ucc28\uc774\uac00 \uc788\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>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c<\/th><th>IRP<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785 \ub300\uc0c1<\/td><td>\ub204\uad6c\ub098<\/td><td>\uc18c\ub4dd \uc788\ub294 \uc790 (\uc9c1\uc7a5\uc778, \uc790\uc601\uc5c5\uc790 \ub4f1)<\/td><\/tr><tr><td>\uc5f0\uac04 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/td><td>400\ub9cc \uc6d0 (\uc800\uc18c\ub4dd\uc790 600\ub9cc \uc6d0\uae4c\uc9c0 \uac00\ub2a5)<\/td><td>700\ub9cc \uc6d0 (\uc5f0\uae08\uc800\ucd95\uacfc \ud569\uc0b0 \uc2dc 900\ub9cc \uc6d0)<\/td><\/tr><tr><td>\uc218\ub839 \uc870\uac74<\/td><td>\ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08 \ud615\ud0dc \uc218\ub839<\/td><td>\ub3d9\uc77c<\/td><\/tr><tr><td>\uc138\uc561\uacf5\uc81c\uc728<\/td><td>\ucd5c\ub300 16.5%<\/td><td>\ucd5c\ub300 16.5%<\/td><\/tr><tr><td>\uc6b4\uc6a9 \uc0c1\ud488<\/td><td>\ud380\ub4dc, \ubcf4\ud5d8, \uc2e0\ud0c1<\/td><td>\ud380\ub4dc, ETF, \uc608\uae08, TDF \ub4f1 \ub2e4\uc591<\/td><\/tr><tr><td>\uc911\ub3c4 \uc778\ucd9c<\/td><td>\uc77c\ubd80 \uac00\ub2a5 (\uacf5\uc81c \ud61c\ud0dd\uc740 \uc18c\uba78)<\/td><td>\uc6d0\uce59\uc801\uc73c\ub85c \ubd88\uac00 (\uc911\ub3c4 \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udd0d <strong>\uc804\ub7b5 \ud301<\/strong>: \ub450 \uacc4\uc88c\ub97c <strong>\ubcd1\ud589 \ud65c\uc6a9<\/strong>\ud558\uba74,<br><strong>\ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ud655\ubcf4<\/strong>\ud560 \uc218 \uc788\uc2b5\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_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_%EC%A0%95%EB%A6%AC\"><\/span>\u2705 2025\ub144 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd \uc815\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025\ub144 \uae30\uc900, \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc5d0 \ub0a9\uc785\ud55c \uae08\uc561\uc740<br><strong>\uc18c\ub4dd\uc5d0 \ub530\ub77c \uc544\ub798\uc640 \uac19\uc740 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc18c\ub4dd \uad6c\uac04<\/th><th>\uc138\uc561\uacf5\uc81c\uc728<\/th><th>\uc5f0\uac04 \uacf5\uc81c \ud55c\ub3c4<\/th><\/tr><\/thead><tbody><tr><td>\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558 (\uc885\ud569\uc18c\ub4dd 4,000\ub9cc \uc6d0 \uc774\ud558)<\/td><td><strong>16.5%<\/strong><\/td><td>400\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc \u2192 66\ub9cc \uc6d0 \ud658\uae09<\/td><\/tr><tr><td>\uadf8 \uc678<\/td><td><strong>13.2%<\/strong><\/td><td>400\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc \u2192 52.8\ub9cc \uc6d0 \ud658\uae09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\uc5f0\uae08\uc800\ucd95+IRP \ud569\uc0b0 \uc2dc \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uacf5\uc81c \uac00\ub2a5\ud558\uba70,<br>\uadf8 \uc911 \uc5f0\uae08\uc800\ucd95\uc740 \ucd5c\ub300 400\ub9cc \uc6d0\uae4c\uc9c0\ub9cc \uacf5\uc81c \ub300\uc0c1\uc785\ub2c8\ub2e4.<\/strong><\/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_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EC%9A%B4%EC%9A%A9_%EC%A0%84%EB%9E%B5_%EC%B4%88%EB%B3%B4_%ED%88%AC%EC%9E%90%EC%9E%90%EC%9A%A9\"><\/span>\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc6b4\uc6a9 \uc804\ub7b5 (\ucd08\ubcf4 \ud22c\uc790\uc790\uc6a9)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc5f0\uae08\uc800\ucd95\uc740 \uc7a5\uae30\uc0c1\ud488\uc774\ubbc0\ub85c <strong>\uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5<\/strong>\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<br>\ud2b9\ud788 <strong>\uc218\uc218\ub8cc\uac00 \ub0ae\uace0, \ubd84\uc0b0 \ud22c\uc790\uac00 \uac00\ub2a5\ud55c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc<\/strong>\uac00 \uc778\uae30\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud83d\udd39 <strong>\uae30\ubcf8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc608\uc2dc (\uc7a5\uae30 \ud22c\uc790\ud615)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uae00\ub85c\ubc8c ETF 40%<\/li>\n\n\n\n<li>\ucc44\uad8c\ud615 \ud380\ub4dc 30%<\/li>\n\n\n\n<li>\uad6d\ub0b4 \uc8fc\uc2dd\ud615 \ud380\ub4dc 20%<\/li>\n\n\n\n<li>\ub2e8\uae30\ucc44\/\ud604\uae08\uc131 10%<\/li>\n<\/ul>\n\n\n\n<p>\u2705 <strong>20~40\ub300 \ud22c\uc790\uc790<\/strong>\ub77c\uba74 TDF(\ud0c0\uae43\ub370\uc774\ud2b8\ud380\ub4dc)\ub97c \ud65c\uc6a9\ud574<br>\uc790\ub3d9 \uc790\uc0b0 \ubc30\ubd84\ub418\ub294 \uad6c\uc870\ub97c \uc120\ud0dd\ud558\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4.<br>\ubaa9\ud45c \uc740\ud1f4 \uc2dc\uc810\uc5d0 \ub530\ub77c \uc8fc\uc2dd\u00b7\ucc44\uad8c \ube44\uc911\uc774 \uc790\ub3d9 \uc870\uc808\ub429\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_%EC%97%B0%EA%B8%88_%EC%88%98%EB%A0%B9_%EC%8B%9C_%EC%84%B8%EA%B8%88_%EA%B5%AC%EC%A1%B0%EB%8A%94\"><\/span>\u2705 \uc5f0\uae08 \uc218\ub839 \uc2dc \uc138\uae08 \uad6c\uc870\ub294?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\uc5d0\uc11c \ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08 \uc218\ub839 \uc2dc\uc5d0\ub294<br><strong>\uc5f0\uae08\uc18c\ub4dd\uc138(3.3~5.5%)\uc758 \ubd84\ub9ac\uacfc\uc138<\/strong>\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub2e8, \uc911\ub3c4 \ud574\uc9c0\ud558\uac70\ub098 55\uc138 \uc774\uc804\uc5d0 \uc77c\uc2dc\uae08\uc73c\ub85c \uc778\ucd9c\ud558\uba74<br>**\uae30\uc874 \uc138\uc561\uacf5\uc81c \ubc1b\uc740 \uae08\uc561 + \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%**\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc73c\ub2c8 \uc8fc\uc758\ud574\uc57c \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_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C%EB%8A%94_%EC%9D%B4%EB%A0%87%EA%B2%8C_%ED%99%9C%EC%9A%A9%ED%95%98%EC%84%B8%EC%9A%94\"><\/span>\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub294 \uc774\ub807\uac8c \ud65c\uc6a9\ud558\uc138\uc694<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u2714\ufe0f <strong>\uc138\uc561\uacf5\uc81c\ub97c \ud65c\uc6a9\ud55c \uc5f0\ub9d0\uc815\uc0b0 \uc808\uc138 \uc218\ub2e8<\/strong><br>\u2714\ufe0f <strong>IRP\uc640 \ubcd1\ud589\ud558\uc5ec \uc138\uc81c \ud61c\ud0dd \uadf9\ub300\ud654<\/strong><br>\u2714\ufe0f <strong>\uc7a5\uae30 \ud22c\uc790\ub85c \ubcf5\ub9ac \ud6a8\uacfc \ud65c\uc6a9<\/strong><br>\u2714\ufe0f <strong>\ub178\ud6c4 \uc900\ube44\uc758 \ud575\uc2ec \uae30\ucd08 \uacc4\uc88c<\/strong><\/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_%EC%B0%B8%EA%B3%A0_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%98%9C%ED%83%9D_%EA%B4%80%EB%A0%A8_%EA%B3%B5%EC%8B%9D_%ED%99%88%ED%8E%98%EC%9D%B4%EC%A7%80_%EC%95%88%EB%82%B4\"><\/span>\u2705 \ucc38\uace0: \uc138\uc561\uacf5\uc81c \ud61c\ud0dd \uad00\ub828 \uacf5\uc2dd \ud648\ud398\uc774\uc9c0 \uc548\ub0b4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc5f0\uae08\uc800\ucd95\uacfc IRP\uc758 <strong>\uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4<\/strong>\ub294 \ub2e4\uc74c\uc758 <strong>\uc815\ubd80 \uacf5\uc2dd \ud648\ud398\uc774\uc9c0<\/strong>\uc5d0\uc11c \uc9c1\uc811 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br>2025\ub144 \uc5f0\ub9d0\uc815\uc0b0\uc774\ub098 \uc138\ud14c\ud06c \uc804\ub7b5\uc744 \uc138\uc6b8 \ub54c \ucc38\uace0\ud558\uc2dc\uba74 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\uad6d\uc138\uccad \ud648\ud0dd\uc2a4<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5f0\ub9d0\uc815\uc0b0 \ud56d\ubaa9\ubcc4 \uc138\uc561\uacf5\uc81c \uc815\ubcf4 \uc81c\uacf5<\/li>\n\n\n\n<li>\uc5f0\uae08\uc800\ucd95 \ubc0f IRP \uacf5\uc81c\uc728, \uacf5\uc81c \ud55c\ub3c4 \ud655\uc778 \uac00\ub2a5<\/li>\n\n\n\n<li>\uc18c\ub4dd\uad6c\uac04\ubcc4 \uc2dc\ubbac\ub808\uc774\uc158 \uae30\ub2a5 \uc81c\uacf5<br><\/li>\n<\/ul>\n\n\n\n<figure class=\"gb-block-image gb-block-image-98cc7b7f\"><a href=\"https:\/\/www.hometax.go.kr\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"641\" height=\"206\" class=\"gb-image gb-image-98cc7b7f lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c2.jpg\" alt=\"\" title=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c2\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c2.jpg 641w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c2-300x96.jpg 300w\" data-sizes=\"(max-width: 641px) 100vw, 641px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 641px; --smush-placeholder-aspect-ratio: 641\/206;\" \/><\/a><\/figure>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>\uae30\ud68d\uc7ac\uc815\ubd80<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2025\ub144 \uc138\ubc95 \uac1c\uc815\uc548, \uc870\uc138\ud2b9\ub840\uc81c\ud55c\ubc95 \uad00\ub828 \ub0b4\uc6a9<\/li>\n\n\n\n<li>\uc5f0\uae08 \uad00\ub828 \uc138\uc81c \ud61c\ud0dd \ubcf4\ub3c4\uc790\ub8cc \ubc0f \uc815\ucc45\uc790\ub8cc \ud655\uc778<br><\/li>\n<\/ul>\n\n\n\n<figure class=\"gb-block-image gb-block-image-0f48232a\"><a href=\" https:\/\/www.moef.go.kr\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"629\" height=\"173\" class=\"gb-image gb-image-0f48232a lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c3.jpg\" alt=\"\" title=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c3\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c3.jpg 629w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c3-300x83.jpg 300w\" data-sizes=\"(max-width: 629px) 100vw, 629px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 629px; --smush-placeholder-aspect-ratio: 629\/173;\" \/><\/a><\/figure>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>\uae08\uc735\uac10\ub3c5\uc6d0 \uae08\uc735\uc18c\ube44\uc790\uc815\ubcf4\ud3ec\ud138 \u2018\ud30c\uc778\u2019<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5f0\uae08\uc800\ucd95\uacfc IRP \uc0c1\ud488 \uc124\uba85<\/li>\n\n\n\n<li>\uc808\uc138 \ud6a8\uacfc \ube44\uad50 \ubc0f \uc218\ub839 \uc2dc \uacfc\uc138 \uad6c\uc870 \uc548\ub0b4<\/li>\n<\/ul>\n\n\n\n<figure class=\"gb-block-image gb-block-image-d9c4bf9b\"><a href=\"fine.fss.or.kr\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"642\" height=\"179\" class=\"gb-image gb-image-d9c4bf9b lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c4.jpg\" alt=\"\" title=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c4\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c4.jpg 642w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c4-300x84.jpg 300w\" data-sizes=\"(max-width: 642px) 100vw, 642px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 642px; --smush-placeholder-aspect-ratio: 642\/179;\" \/><\/a><\/figure>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>\uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uac1c\uc778 \ub178\ud6c4 \uc900\ube44 \uac00\uc774\ub4dc \uc81c\uacf5<\/li>\n\n\n\n<li>\uc5f0\uae08 \uc0c1\ud488 \ube44\uad50 \ubc0f \uc7a5\ub2e8\uc810 \uc124\uba85<\/li>\n<\/ul>\n\n\n\n<figure class=\"gb-block-image gb-block-image-93f234bb\"><a href=\"https:\/\/www.nps.or.kr\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"641\" height=\"182\" class=\"gb-image gb-image-93f234bb lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c5.jpg\" alt=\"\" title=\"\uc5f0\uae08\uc800\ucd95\uacc4\uc88c5\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c5.jpg 641w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc5f0\uae08\uc800\ucd95\uacc4\uc88c5-300x85.jpg 300w\" data-sizes=\"(max-width: 641px) 100vw, 641px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 641px; --smush-placeholder-aspect-ratio: 641\/182;\" \/><\/a><\/figure>\n\n\n\n<p>\uc774\ub7ec\ud55c \uacf5\uc2dd \uc0ac\uc774\ud2b8\ub4e4\uc740 <strong>\uc815\ud655\ud558\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc815\ubcf4\uc6d0<\/strong>\uc73c\ub85c,<br>\uae00\uc5d0\uc11c \ub2e4\ub8ec \uc138\uc561\uacf5\uc81c \uc804\ub7b5\uc774\ub098 \uc5f0\uae08 \uc218\ub839 \uacc4\ud68d\uc744 \uc138\uc6b8 \ub54c \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<br>\ud2b9\ud788 <strong>\ud648\ud0dd\uc2a4\uc758 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc\ubbac\ub808\uc774\uc158 \uae30\ub2a5<\/strong>\uc740 \uc2e4\uc81c \uc608\uc0c1 \ud658\uae09\uc561\uc744 \uacc4\uc0b0\ud560 \uc218 \uc788\uc5b4 \ub9e4\uc6b0 \uc720\uc6a9\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_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%84%EC%A2%8C_%EC%A7%80%EA%B8%88%EC%9D%B4_%EC%8B%9C%EC%9E%91%ED%95%A0_%EB%95%8C\"><\/span>\u2705 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c, \uc9c0\uae08\uc774 \uc2dc\uc791\ud560 \ub54c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025\ub144 \uae30\uc900\uc73c\ub85c\ub3c4 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub294 <strong>\uac00\uc7a5 \uc27d\uace0 \uac15\ub825\ud55c \uc808\uc138\ud615 \ub178\ud6c4 \uc900\ube44 \uc218\ub2e8<\/strong>\uc785\ub2c8\ub2e4.<br>\uc138\uc561\uacf5\uc81c\ub97c \ud1b5\ud574 <strong>\ub9e4\ub144 \uc138\uae08 \ud658\uae09\uc744 \ubc1b\uace0<\/strong>,<br>\ud380\ub4dc\ub098 ETF\ub85c <strong>\uc790\uc0b0\uc744 \ubd88\ub824\uac00\uba70<\/strong>,<br>55\uc138 \uc774\ud6c4\uc5d0\ub294 <strong>\uc548\uc815\uc801\uc778 \uc5f0\uae08\uc18c\ub4dd\uc73c\ub85c \ud65c\uc6a9<\/strong>\ud560 \uc218 \uc788\ub294 \ub9cc\ub2a5 \uacc4\uc88c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>IRP\uc640 \ud568\uaed8 \ubcd1\ud589\ud558\uba74 \ub354\uc6b1 \ud070 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc73c\ubbc0\ub85c,<br>\uc544\uc9c1 \uc2dc\uc791\ud558\uc9c0 \uc54a\uc73c\uc168\ub2e4\uba74 \uc9c0\uae08\uc774 \ubc14\ub85c <strong>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uac1c\uc124<\/strong>\uc758 \uc801\uae30\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025 \uc5f0\uae08\uc800\ucd95\uacc4\uc88c \uc644\uc804 \uc815\ub9ac\uff5cIRP\uc640\uc758 \ucc28\uc774\uc810, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd, \ud22c\uc790 \uc804\ub7b5 \ube44\uad50 \ub178\ud6c4 \uc900\ube44\ub294 \ub354 \uc774\uc0c1 \uba3c \ubbf8\ub798\uc758 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