{"id":424,"date":"2026-06-30T09:15:40","date_gmt":"2026-06-30T09:15:40","guid":{"rendered":"https:\/\/www.mynamuhbegin.com\/blog\/?p=424"},"modified":"2026-06-30T09:15:40","modified_gmt":"2026-06-30T09:15:40","slug":"2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c","status":"publish","type":"post","link":"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/","title":{"rendered":"\u26a1 2026\ub144 \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4, \uc5bc\ub9c8\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc744\uae4c?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_1 ez-toc-wrap-center ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/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 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#1_2026%EB%85%84_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84\" >1. 2026\ub144 \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#1_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%8A%94_%EC%96%BC%EB%A7%88%EC%9D%B8%EA%B0%80%EC%9A%94\" >1) \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#2_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EC%9C%A8_165%EC%99%80_132%EC%9D%98_%EA%B5%AC%EB%B6%84_%EA%B8%B0%EC%A4%80\" >2) \uc138\uc561\uacf5\uc81c\uc728 16.5%\uc640 13.2%\uc758 \uad6c\ubd84 \uae30\uc900<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#3_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84_900%EB%A7%8C_%EC%9B%90%EA%B3%BC_%EB%82%A9%EC%9E%85_%ED%95%9C%EB%8F%84_1800%EB%A7%8C_%EC%9B%90%EC%9D%80_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%8B%A4%EB%A5%B8%EA%B0%80%EC%9A%94\" >3) \uc138\uc561\uacf5\uc81c \ud55c\ub3c4 900\ub9cc \uc6d0\uacfc \ub0a9\uc785 \ud55c\ub3c4 1,800\ub9cc \uc6d0\uc740 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#2_%EC%86%8C%EB%93%9D_%EA%B5%AC%EA%B0%84%EB%B3%84_%EA%B3%B5%EC%A0%9C_%EC%84%B8%EC%95%A1_%EC%B5%9C%EB%8C%80_1485%EB%A7%8C_%EC%9B%90%EC%9D%98_%EC%A1%B0%EA%B1%B4\" >2. \uc18c\ub4dd \uad6c\uac04\ubcc4 \uacf5\uc81c \uc138\uc561, \ucd5c\ub300 148.5\ub9cc \uc6d0\uc758 \uc870\uac74<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#1_900%EB%A7%8C_%EC%9B%90%EC%9D%84_%EC%B1%84%EC%9A%B0%EB%A9%B4_%EC%96%BC%EB%A7%88%EA%B9%8C%EC%A7%80_%EA%B3%B5%EC%A0%9C%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >1) 900\ub9cc \uc6d0\uc744 \ucc44\uc6b0\uba74 \uc5bc\ub9c8\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\ub098\uc694?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#2_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_IRP_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%8B%A4%EB%A5%B8%EA%B0%80%EC%9A%94\" >2) \uc5f0\uae08\uc800\ucd95 IRP \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#FAQ_%EC%9E%90%EC%A3%BC_%ED%95%98%EB%8A%94_%EC%A7%88%EB%AC%B8\" >[FAQ] \uc790\uc8fc \ud558\ub294 \uc9c8\ubb38<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#Q1_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%BC_IRP_%EC%A4%91_%EC%96%B4%EB%94%94%EC%97%90_%EB%A8%BC%EC%A0%80_%EC%B1%84%EC%9A%B0%EB%8A%94_%EA%B2%8C_%EC%9C%A0%EB%A6%AC%ED%95%9C%EA%B0%80%EC%9A%94\" >Q1. \uc5f0\uae08\uc800\ucd95\uacfc IRP \uc911 \uc5b4\ub514\uc5d0 \uba3c\uc800 \ucc44\uc6b0\ub294 \uac8c \uc720\ub9ac\ud55c\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#Q2_%EC%A4%91%EB%8F%84_%ED%95%B4%EC%A7%80_%EC%8B%9C_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%EB%B0%9B%EC%9D%80_%EA%B8%88%EC%95%A1%EC%9D%84_%EB%B0%98%ED%99%98%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\" >Q2. \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ubc1b\uc740 \uae08\uc561\uc744 \ubc18\ud658\ud574\uc57c \ud558\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#Q3_%EC%9E%91%EB%85%84%EC%97%90_%EB%AA%BB_%EC%B1%84%EC%9A%B4_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%A5%BC_%EC%98%AC%ED%95%B4%EB%A1%9C_%EB%84%98%EA%B8%B8_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >Q3. \uc791\ub144\uc5d0 \ubabb \ucc44\uc6b4 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \uc62c\ud574\ub85c \ub118\uae38 \uc218 \uc788\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#Q4_%EA%B3%BC%EA%B1%B0%EC%97%90_%EB%82%A9%EC%9E%85%ED%96%88%EC%A7%80%EB%A7%8C_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%A5%BC_%EB%B0%9B%EC%A7%80_%EC%95%8A%EC%9D%80_%EA%B8%88%EC%95%A1%EC%9D%84_%EC%B6%94%ED%9B%84_%EA%B3%B5%EC%A0%9C%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >Q4. \uacfc\uac70\uc5d0 \ub0a9\uc785\ud588\uc9c0\ub9cc \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc9c0 \uc54a\uc740 \uae08\uc561\uc744 \ucd94\ud6c4 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#Q5_1800%EB%A7%8C_%EC%9B%90_900%EB%A7%8C_%EC%9B%90_600%EB%A7%8C_%EC%9B%90%EC%9D%80_%EA%B0%81%EA%B0%81_%EB%AC%B4%EC%97%87%EC%97%90_%EB%8C%80%ED%95%9C_%ED%95%9C%EB%8F%84_%EA%B8%88%EC%95%A1%EC%9D%B8%EA%B0%80%EC%9A%94\" >Q5. 1,800\ub9cc \uc6d0, 900\ub9cc \uc6d0, 600\ub9cc \uc6d0\uc740 \uac01\uac01 \ubb34\uc5c7\uc5d0 \ub300\ud55c \ud55c\ub3c4 \uae08\uc561\uc778\uac00\uc694?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#3_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C%EB%A1%9C_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%EC%B1%99%EA%B8%B0%EB%8A%94_%EB%82%A9%EC%9E%85_%EC%A0%84%EB%9E%B5\" >3. \ub098\ubb34\uc99d\uad8c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub85c \uc138\uc561\uacf5\uc81c \ucc59\uae30\ub294 \ub0a9\uc785 \uc804\ub7b5<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#1_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%A5%BC_%ED%9A%A8%EC%9C%A8%EC%A0%81%EC%9C%BC%EB%A1%9C_%EC%B1%84%EC%9A%B0%EB%8A%94_%EB%82%A9%EC%9E%85_%EB%B0%A9%EC%8B%9D\" >1) \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \ucc44\uc6b0\ub294 \ub0a9\uc785 \ubc29\uc2dd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#2_%EC%97%B0%EB%A7%90_%EC%96%B8%EC%A0%9C%EA%B9%8C%EC%A7%80_%EB%82%A9%EC%9E%85%ED%95%B4%EC%95%BC_%EC%98%AC%ED%95%B4_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%A5%BC_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >2) \uc5f0\ub9d0 \uc5b8\uc81c\uae4c\uc9c0 \ub0a9\uc785\ud574\uc57c \uc62c\ud574 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/2026%eb%85%84-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%96%bc%eb%a7%88%ea%b9%8c%ec%a7%80-%ea%b3%b5%ec%a0%9c\/#3_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%97%90%EC%84%9C_%EC%97%B0%EA%B8%88_%ED%88%AC%EC%9E%90%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%80_%EC%A0%90%EC%9D%80\" >3) \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc5f0\uae08 \ud22c\uc790\ud558\uba74 \uc88b\uc740 \uc810\uc740?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<div style=\"background-color: #f1f3f5; padding: 20px; margin: 20px 0; border-radius: 8px;\">\n<p><strong><strong>\ud83d\udca1<\/strong><\/strong><strong>3\uc904 \uc694\uc57d<\/strong><\/p>\n<ul>\n<li>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub178\ud6c4 \uc900\ube44\uc640 \uc5f0\ub9d0\uc815\uc0b0 \uc808\uc138\ub97c \ub3d9\uc2dc\uc5d0 \ucc59\uae38 \uc218 \uc788\ub294 \uc138\uc81c\uc801\uaca9 \uac1c\uc778\uc5f0\uae08\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ub2e8\ub3c5 600\ub9cc \uc6d0(\ucd5c\ub300 99\ub9cc \uc6d0), IRP\uae4c\uc9c0 \ud569\uc0b0 \uc2dc 900\ub9cc \uc6d0(\ucd5c\ub300 148.5\ub9cc \uc6d0)\uc785\ub2c8\ub2e4.<\/li>\n<li>\uacf5\uc81c\uc728\uc740 \ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0\uc744 \uae30\uc900\uc73c\ub85c 16.5% \ub610\ub294 13.2%(\uc9c0\ubc29\uc18c\ub4dd\uc138 \ud3ec\ud568)\uc774\uba70, \uc2e4\uc81c \uacf5\uc81c \uc138\uc561\uc740 \ubcf8\uc778\uc758 \uacb0\uc815\uc138\uc561 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/div>\n<p>&nbsp;<\/p>\n<p>\uc5f0\ub9d0\uc815\uc0b0 \uc2dc\uc98c\uc774 \ub2e4\uac00\uc624\uba74<\/p>\n<p><em><strong>&#8220;\uc5f0\uae08\uc800\ucd95\uc73c\ub85c \uc5bc\ub9c8\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc744\uae4c&#8221;<\/strong><\/em><\/p>\n<p>\ub77c\ub294 \uc9c8\ubb38\uc744 \ud55c \ubc88\ucbe4 \ub5a0\uc62c\ub9ac\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7f0\ub370 \ub9c9\uc0c1 \uc54c\uc544\ubcf4\uba74 \ud55c\ub3c4\uac00 600\ub9cc \uc6d0\uc778\uc9c0 900\ub9cc \uc6d0\uc778\uc9c0\ubd80\ud130 \ud5f7\uac08\ub9ac\ub294\ub370\uc694.<br \/>\n\ucd5c\ub300 148.5\ub9cc \uc6d0\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uc774\uc57c\uae30\ub294 \ub4e4\uc5c8\uc9c0\ub9cc, \uc815\uc791 \ubcf8\uc778 \uc18c\ub4dd \uae30\uc900\uc73c\ub85c \uc2e4\uc81c \uc5bc\ub9c8\ub97c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub294\uc9c0\ub294 \uba85\ud655\ud788 \uc54c\uae30 \uc5b4\ub835\uace0,<br \/>\n\uc5f0\uae08\uc800\ucd95\uacfc IRP\uac00 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uc9c0 \uad6c\ubd84\uc774 \uc548 \ub3fc \uc5b4\ub290 \uacc4\uc88c\uc5d0 \uc5bc\ub9c8\ub97c \ub0a9\uc785\ud574\uc57c \ud560\uc9c0 \uacb0\uc815\uc744 \ubbf8\ub8e8\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 <strong>2026\ub144 \uae30\uc900 \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong>\uc640 <strong>\uc18c\ub4dd \uad6c\uac04\ubcc4 \uacf5\uc81c \uc138\uc561<\/strong>, \uadf8\ub9ac\uace0 <strong>\ud6a8\uc728\uc801\uc778 \ub0a9\uc785 \uc804\ub7b5<\/strong>\uae4c\uc9c0 \uc815\ub9ac\ud574 \uc808\uc138\ub97c \uc704\ud55c \uba85\ud655\ud55c \uc120\ud0dd\uc9c0\ub97c \uc18c\uac1c\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_2026%EB%85%84_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84\"><\/span><strong>1. 2026\ub144 \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc5f0\uae08\uc800\ucd95\uc758 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \ub9e4\ub144 \ud5f7\uac08\ub9ac\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ub3c4\uc640 \uc138\uc561 \uacf5\uc81c\uc728 \ub4f1\uc774 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c0\ub294\uc9c0 \uc815\ud655\ud788 \uc9da\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%8A%94_%EC%96%BC%EB%A7%88%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span><strong>1)<\/strong><strong> \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-426 size-large\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2-1024x768.png\" alt=\"\uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c, \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4, \uc5f0\uae08\uc800\ucd95 \ud380\ub4dc, \uc5f0\uae08\uc800\ucd95 IRP \uc138\uc561\uacf5\uc81c\" width=\"1024\" height=\"768\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2-1024x768.png 1024w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2-300x225.png 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2-768x576.png 768w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2-900x675.png 900w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2-500x375.png 500w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_2.png 1448w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\uc5f0\uae08\uc800\ucd95\uc758 \ub2e8\ub3c5 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong>\ub294<strong> \uc5f0 600\ub9cc \uc6d0<\/strong>\uc73c\ub85c, \ucd5c\ub300 99\ub9cc \uc6d0\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\uc5ec\uae30\uc5d0 <strong>IRP\uae4c\uc9c0 \ud569\uc0b0\ud558\uba74 \ud55c\ub3c4\uac00 900\ub9cc \uc6d0<\/strong>\uc73c\ub85c \ub298\uc5b4\ub098, <strong>\ucd5c\ub300 148.5\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\uac00 \uac00\ub2a5<\/strong>\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud754\ud788 &#8216;\uc5f0\uae08\uc800\ucd95 \ud55c\ub3c4\uac00 900\ub9cc \uc6d0&#8217;\uc774\ub77c\uace0 \uc54c\ub824\uc838 \uc788\uc9c0\ub9cc, \uc815\ud655\ud788\ub294 900\ub9cc \uc6d0\uc740 IRP\uae4c\uc9c0 \ud569\uc0b0\ud588\uc744 \ub54c\uc758 \uae30\uc900\uc774\uba70, <strong>\ub2e8\ub3c5\uc73c\ub85c\ub294 600\ub9cc \uc6d0\uc774 \ud55c\ub3c4<\/strong>\uc785\ub2c8\ub2e4.<br \/>\n\ub530\ub77c\uc11c \ub450 \uc22b\uc790\ub97c \ud63c\ub3d9\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc99d\uad8c\uc0ac\uc5d0\uc11c \uac00\uc785\ud558\ub294 \uc5f0\uae08\uc800\ucd95\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub97c \uc758\ubbf8\ud558\uba70, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc740 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n\ud604\uc7ac 2026\ub144\uc758 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc640 \uacf5\uc81c\uc728\uc740 2025\ub144\uacfc \ub611\uac19\uc774 \uc720\uc9c0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 &#8217;13\uc6d4\uc758 \uc6d4\uae09&#8217;\uc73c\ub85c \ubd88\ub9ac\ub294 \ud658\uae09\uae08\uc758 \ud575\uc2ec \ud56d\ubaa9\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/m.nhsec.com\/finance\/pension\/pension\/pensionList?utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_fund_irp\" target=\"_blank\" rel=\"noopener\">\ub098\ubb34\uc99d\uad8c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ub9ac\uc2a4\ud2b8 \uc790\uc138\ud788 \ubcf4\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EC%9C%A8_165%EC%99%80_132%EC%9D%98_%EA%B5%AC%EB%B6%84_%EA%B8%B0%EC%A4%80\"><\/span><strong>2) \uc138\uc561\uacf5\uc81c\uc728 16.5%\uc640 13.2%\uc758 \uad6c\ubd84 \uae30\uc900<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc138\uc561\uacf5\uc81c\uc728\uc740 \uc18c\ub4dd \uc218\uc900\uc5d0 \ub530\ub77c \ub458 \uc911 \ub2e4\ub974\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf8\uc778\uc774 \uc5b4\ub290 \uad6c\uac04\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0 \uba3c\uc800 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\n\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558(\uc885\ud569\uc18c\ub4dd 4,500\ub9cc \uc6d0 \uc774\ud558)\ub77c\uba74 <strong>16.5%<\/strong>, \uc774 \uae08\uc561\uc744 \ucd08\uacfc\ud55c\ub2e4\uba74 <strong>13.2%<\/strong>\uc758 \uacf5\uc81c\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n\ub450 \ube44\uc728 \ubaa8\ub450 \uc9c0\ubc29\uc18c\ub4dd\uc138\uac00 \ud3ec\ud568\ub41c \uccb4\uac10 \uacf5\uc81c\uc728\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\ub9cc \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c\ub294 \ubcf8\uc778\uc758 \uacb0\uc815\uc138\uc561 \u00a0\ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n\uc989, <strong>\ub0bc \uc138\uae08\uc774 \uacf5\uc81c\uc561\ubcf4\ub2e4 \uc801\ub2e4\uba74 \uacf5\uc81c\ub294 \uadf8 \uc138\uae08 \ubc94\uc704 \uc548\uc5d0\uc11c\ub9cc \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<\/strong><br \/>\n\ub530\ub77c\uc11c \ucd5c\ub300 \uacf5\uc81c \uc138\uc561\uc740 \ub204\uad6c\ub098 \ub3d9\uc77c\ud558\uac8c \ubc1b\ub294 \uae08\uc561\uc774 \uc544\ub2c8\ub77c, \uc870\uac74\uc744 \ucda9\uc871\ud588\uc744 \ub54c\uc758 \uc0c1\ud55c\uc120\uc73c\ub85c \uc774\ud574\ud558\ub294 \uac83\uc774 \uc815\ud655\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84_900%EB%A7%8C_%EC%9B%90%EA%B3%BC_%EB%82%A9%EC%9E%85_%ED%95%9C%EB%8F%84_1800%EB%A7%8C_%EC%9B%90%EC%9D%80_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%8B%A4%EB%A5%B8%EA%B0%80%EC%9A%94\"><\/span><strong>3) \uc138\uc561\uacf5\uc81c \ud55c\ub3c4 900\ub9cc \uc6d0\uacfc \ub0a9\uc785 \ud55c\ub3c4 1,800\ub9cc \uc6d0\uc740 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc640 \ubcc4\uac1c\ub85c, \uc5f0\uae08\uacc4\uc88c \uc790\uccb4\uc758 \ub0a9\uc785 \ud55c\ub3c4\ub3c4 \ud568\uaed8 \uc54c\uc544\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\uc5f0\uae08\uacc4\uc88c\uc758 \ub0a9\uc785 \ud55c\ub3c4\ub294 \uc5f0 1,800\ub9cc \uc6d0(\uc5f0\uae08\uc800\ucd95, IRP \ud569\uc0b0)<\/strong>\uc73c\ub85c, \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc778 900\ub9cc \uc6d0\uacfc\ub294 \ubcc4\uac1c\uc785\ub2c8\ub2e4.<br \/>\n900\ub9cc \uc6d0\uc744 \ub118\uaca8 \ub0a9\uc785\ud55c \uae08\uc561\uc740 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc5d0\ub294 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc9c0\ub9cc, \ubcc4\ub3c4\uc758 \uc138\uc81c \ud61c\ud0dd\uc740 \ube44\uacfc\uc138\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n\uc6b4\uc6a9 \uae30\uac04 \uc911 \ubc1c\uc0dd\ud558\ub294 \uc218\uc775\uc5d0 \ub300\ud574 \uacfc\uc138\uac00 \uc774\uc5f0\ub418\uc5b4, \uadf8\ub9cc\ud07c \uc7ac\ud22c\uc790 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\ub9cc \ucd94\ud6c4 <strong>\uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud55c\ub2e4\uba74 3.3~5.5%\uc758 \uc800\uc728 \uacfc\uc138\uac00 \uc801\uc6a9<\/strong>\ub429\ub2c8\ub2e4. \uc774\ub294 \uc9c0\ubc29\uc18c\ub4dd\uc138\ub97c \ud3ec\ud568\ud55c \uc138\uc728\ub85c \uc5f0\ub839\uc5d0 \ub530\ub77c 5.5%, 4.4%, 3.3%\ub85c \ub2e4\ub985\ub2c8\ub2e4. 600\ub9cc \uc6d0, 900\ub9cc \uc6d0, 1,800\ub9cc \uc6d0\uc774\ub77c\ub294 \uc138 \uac00\uc9c0 \uc22b\uc790\ub85c\ub9cc \uae30\uc5b5\ud55c\ub2e4\uba74 \ud5f7\uac08\ub9b4 \uc218 \uc788\uae30\uc5d0, &#8216;<strong>\ub0a9\uc785 \ud55c\ub3c4<\/strong>&#8216;\uc640 &#8216;<strong>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong>&#8216;\ub97c \uad6c\ubd84\ud574\uc11c \uc774\ud574\ud558\uba74 \ud6e8\uc52c \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_%EC%86%8C%EB%93%9D_%EA%B5%AC%EA%B0%84%EB%B3%84_%EA%B3%B5%EC%A0%9C_%EC%84%B8%EC%95%A1_%EC%B5%9C%EB%8C%80_1485%EB%A7%8C_%EC%9B%90%EC%9D%98_%EC%A1%B0%EA%B1%B4\"><\/span><strong>2. \uc18c\ub4dd \uad6c\uac04\ubcc4 \uacf5\uc81c \uc138\uc561, \ucd5c\ub300 148.5\ub9cc \uc6d0\uc758 \uc870\uac74<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ucc44\uc6e0\ub2e4\uace0 \ud574\uc11c \ubaa8\ub450\uac00 \uac19\uc740 \uae08\uc561\uc744 \ub3cc\ub824\ubc1b\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<br \/>\n\uc18c\ub4dd \uad6c\uac04\uc5d0 \ub530\ub77c \uacf5\uc81c\uc728\uc774 \ub2ec\ub77c\uc9c0\ub294 \ub9cc\ud07c, \ubcf8\uc778 \uae30\uc900\uc73c\ub85c \uc815\ud655\ud55c \uacf5\uc81c \uc138\uc561\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_900%EB%A7%8C_%EC%9B%90%EC%9D%84_%EC%B1%84%EC%9A%B0%EB%A9%B4_%EC%96%BC%EB%A7%88%EA%B9%8C%EC%A7%80_%EA%B3%B5%EC%A0%9C%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>1) 900\ub9cc \uc6d0\uc744 \ucc44\uc6b0\uba74 \uc5bc\ub9c8\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\ub098\uc694?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ubaa8\ub450 \ucc44\uc6e0\uc744 \ub54c, <strong>16.5% \uad6c\uac04\uc740 \ucd5c\ub300 148.5\ub9cc \uc6d0<\/strong>, <strong>13.2% \uad6c\uac04\uc740 \ucd5c\ub300 118.8\ub9cc \uc6d0<\/strong>\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e8, \uc2e4\uc81c \uacf5\uc81c \uc138\uc561\uc740 \ubcf8\uc778\uc758 \uacb0\uc815\uc138\uc561 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc801\uc6a9\ub418\uba70, \uc18c\ub4dd\uacfc \ub0a9\uc138 \uc870\uac74\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 627px; border-collapse: collapse;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr>\n<th style=\"width: 218px; text-align: center; background-color: #cde990;\"><strong>\ucd1d\uae09\uc5ec(\uc885\ud569\uc18c\ub4dd)<\/strong><\/th>\n<th style=\"width: 220px; text-align: center; background-color: #cde990;\"><strong>\uacf5\uc81c\uc728<br \/>\n(\uc9c0\ubc29\uc18c\ub4dd\uc138 \ud3ec\ud568)<\/strong><\/th>\n<th style=\"width: 189px; text-align: center; background-color: #cde990;\"><strong>\ucd5c\ub300 \uacf5\uc81c \uc138\uc561<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 218px; text-align: center;\">5,500\ub9cc \uc6d0 \uc774\ud558<br \/>\n<span style=\"font-size: 0.9em; color: #666;\">(4,500\ub9cc \uc6d0 \uc774\ud558)<\/span><\/td>\n<td style=\"width: 220px; text-align: center;\">16.5%<\/td>\n<td style=\"width: 189px; text-align: center;\">148.5\ub9cc \uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 218px; text-align: center;\">5,500\ub9cc \uc6d0 \ucd08\uacfc<br \/>\n<span style=\"font-size: 0.9em; color: #666;\">(4,500\ub9cc \uc6d0 \ucd08\uacfc)<\/span><\/td>\n<td style=\"width: 220px; text-align: center;\">13.2%<\/td>\n<td style=\"width: 189px; text-align: center;\">118.8\ub9cc \uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc5f0\uae08\uc800\ucd95 \ub2e8\ub3c5(600\ub9cc \uc6d0)\ub9cc \ucc44\uc6b0\ub294 \uacbd\uc6b0\ub77c\uba74, 16.5% \uad6c\uac04\uc740 99\ub9cc \uc6d0, 13.2% \uad6c\uac04\uc740 79.2\ub9cc \uc6d0\uae4c\uc9c0 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>IRP\uae4c\uc9c0 \ud569\uc0b0\ud574 900\ub9cc \uc6d0\uc744 \ucc44\uc6b0\uba74 \uc704 \ud45c\uc640 \uac19\uc774 \ucd5c\ub300 \uacf5\uc81c \uc138\uc561\uc774 \ud655\ub300\ub429\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_IRP_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%8B%A4%EB%A5%B8%EA%B0%80%EC%9A%94\"><\/span><strong>2) \uc5f0\uae08\uc800\ucd95 IRP \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uac19\uc740 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \uacf5\uc720\ud558\uc9c0\ub9cc, \uc5f0\uae08\uc800\ucd95\uacfc IRP\ub294 \uc131\uaca9\uc774 \ub2e4\ub978 \ubcc4\uac1c\uc758 \uc81c\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n<p><strong>\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ub2e8\ub3c5\uc73c\ub85c 600\ub9cc \uc6d0\uae4c\uc9c0<\/strong>, <strong>IRP\ub294 \ud380\ub4dc\uc640 \ud569\uc0b0\ud574 900\ub9cc \uc6d0\uae4c\uc9c0<\/strong> \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uac00 \uc778\uc815\ub429\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 649px; border-collapse: collapse;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr>\n<th style=\"width: 132px; text-align: center; background-color: #cde990;\"><strong>\uad6c\ubd84<\/strong><\/th>\n<th style=\"width: 260px; text-align: center; background-color: #cde990;\"><strong>\uc5f0\uae08\uc800\ucd95(\ud380\ub4dc)<\/strong><\/th>\n<th style=\"width: 257px; text-align: center; background-color: #cde990;\"><strong>IRP<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 132px; text-align: center;\"><strong>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong><\/td>\n<td style=\"width: 260px; text-align: center;\">600\ub9cc \uc6d0<\/td>\n<td style=\"width: 257px; text-align: center;\">\uc5f0\uae08\uc800\ucd95\uacfc \ud569\uc0b0 900\ub9cc \uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 132px; text-align: center;\"><strong>\uc131\uaca9<\/strong><\/td>\n<td style=\"width: 260px; text-align: center;\">\uc0c1\ud488(\uc99d\uad8c\uc0ac\uc5d0\uc11c \uac00\uc785)<\/td>\n<td style=\"width: 257px; text-align: center;\">\uacc4\uc88c(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08)<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 132px; text-align: center;\"><strong>\uc778\ucd9c<\/strong><\/td>\n<td style=\"width: 260px; text-align: center;\">\uc0c1\ub300\uc801\uc73c\ub85c \uc790\uc720\ub85c\uc6b4 \ud3b8<\/td>\n<td style=\"width: 257px; text-align: center;\">\uc81c\ud55c\uc801<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc774\ucc98\ub7fc \ub450 \uc81c\ub3c4\ub294 \uc131\uaca9\uc774 \ub2e4\ub974\uc9c0\ub9cc, \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \ud569\uc0b0\ud574 \ud568\uaed8 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/m.nhsec.com\/customer\/event\/eventView?mNo=1000&amp;t=1782115950527&amp;utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_fund_irp\" target=\"_blank\" rel=\"noopener\">\ub098\ubb34\uc99d\uad8c \ud1f4\uc9c1\uc5f0\uae08 IRP \uc785\uae08 \uc774\ubca4\ud2b8 \ucc38\uc5ec\ud558\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQ_%EC%9E%90%EC%A3%BC_%ED%95%98%EB%8A%94_%EC%A7%88%EB%AC%B8\"><\/span><strong>[FAQ] \uc790\uc8fc \ud558\ub294 \uc9c8\ubb38<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Q1_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%BC_IRP_%EC%A4%91_%EC%96%B4%EB%94%94%EC%97%90_%EB%A8%BC%EC%A0%80_%EC%B1%84%EC%9A%B0%EB%8A%94_%EA%B2%8C_%EC%9C%A0%EB%A6%AC%ED%95%9C%EA%B0%80%EC%9A%94\"><\/span><strong>Q1. \uc5f0\uae08\uc800\ucd95\uacfc IRP \uc911 \uc5b4\ub514\uc5d0 \uba3c\uc800 \ucc44\uc6b0\ub294 \uac8c \uc720\ub9ac\ud55c\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \uc77c\ubc18\uc801\uc73c\ub85c\ub294 \uc5f0\uae08\uc800\ucd95 600\ub9cc \uc6d0\uc744 \uba3c\uc800 \ucc44\uc6b4 \ub4a4, IRP\uc5d0 300\ub9cc \uc6d0\uc744 \ucd94\uac00\ud574 900\ub9cc \uc6d0\uc744 \uc644\uc131\ud558\ub294 \ubc29\uc2dd\uc774 \uac00\uc7a5 \ub9ce\uc774 \uad8c\uc7a5\ub429\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uc778\ucd9c\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc790\uc720\ub85c\uc6cc \uc790\uae08 \ud65c\uc6a9 \uce21\uba74\uc5d0\uc11c \uc720\uc5f0\uc131\uc774 \ud070 \ud3b8\uc5d0 \uc18d\ud569\ub2c8\ub2e4. \ub9cc\uc57d \uc790\uae08 \uc5ec\ub825\uc774 \ubd80\uc871\ud558\ub2e4\uba74 IRP\ub9cc\uc73c\ub85c \uc77c\ubd80 \ud55c\ub3c4\ub97c \ucc44\uc6cc\ub3c4 \uc138\uc561\uacf5\uc81c \ud6a8\uacfc\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q2_%EC%A4%91%EB%8F%84_%ED%95%B4%EC%A7%80_%EC%8B%9C_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%EB%B0%9B%EC%9D%80_%EA%B8%88%EC%95%A1%EC%9D%84_%EB%B0%98%ED%99%98%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\"><\/span><strong>Q2. \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ubc1b\uc740 \uae08\uc561\uc744 \ubc18\ud658\ud574\uc57c \ud558\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \ub124, \uc911\ub3c4 \ud574\uc9c0 \uc2dc\uc5d0\ub294 \uadf8\ub3d9\uc548 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc740 \ub0a9\uc785\uae08\uacfc \uadf8 \uc6b4\uc6a9\uc218\uc775\uc744 \ud569\ud55c \uae08\uc561\uc5d0 \ub300\ud574 16.5%\uc758 \uae30\ud0c0 \uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. \ubc1b\uc558\ub358 \uacf5\uc81c \ud61c\ud0dd\uc774 \ud574\uc9c0 \uc2dc\uc810\uc5d0 \ub2e4\uc2dc \uc138\uae08\uc73c\ub85c \ud658\uc218\ub418\ub294 \uad6c\uc870\uc774\uae30 \ub54c\ubb38\uc5d0, \ub2e8\uae30 \uc790\uae08 \uc6b4\uc6a9 \ubaa9\uc801\uc774\ub77c\uba74 \uc2e0\uc911\ud558\uac8c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\uacfc IRP\ub294 \ubaa8\ub450 \uc7a5\uae30 \ubcf4\uc720\ub97c \uc804\uc81c\ub85c \ud55c \uc0c1\ud488\uc778 \ub9cc\ud07c, \uc911\ub3c4 \ud574\uc9c0\ub294 \ucd5c\ub300\ud55c \ud53c\ud558\uace0 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud558\ub294 \uac83\uc774 \uc138\uc81c\uc0c1 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q3_%EC%9E%91%EB%85%84%EC%97%90_%EB%AA%BB_%EC%B1%84%EC%9A%B4_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%A5%BC_%EC%98%AC%ED%95%B4%EB%A1%9C_%EB%84%98%EA%B8%B8_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>Q3. \uc791\ub144\uc5d0 \ubabb \ucc44\uc6b4 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \uc62c\ud574\ub85c \ub118\uae38 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \uc544\ub2c8\uc694. \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5f0\ub3c4\ubcc4\ub85c \uc801\uc6a9\ub418\uba70, \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uc740 \ud55c\ub3c4\ub97c \ub2e4\uc74c \ud574\ub85c \uc774\uc6d4\ud560 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q4_%EA%B3%BC%EA%B1%B0%EC%97%90_%EB%82%A9%EC%9E%85%ED%96%88%EC%A7%80%EB%A7%8C_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%A5%BC_%EB%B0%9B%EC%A7%80_%EC%95%8A%EC%9D%80_%EA%B8%88%EC%95%A1%EC%9D%84_%EC%B6%94%ED%9B%84_%EA%B3%B5%EC%A0%9C%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>Q4. \uacfc\uac70\uc5d0 \ub0a9\uc785\ud588\uc9c0\ub9cc \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc9c0 \uc54a\uc740 \uae08\uc561\uc744 \ucd94\ud6c4 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \ub124, \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774\uc804 \uacfc\uc138\uae30\uac04\uc5d0 \uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP\uc5d0 \ub0a9\uc785\ud588\uc9c0\ub9cc \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc9c0 \uc54a\ub294 \uae08\uc561\uc774 \uc788\ub2e4\uba74, \uc5f0\uae08\uacc4\uc88c\ub97c \ucde8\uae09\ud558\ub294 \uae08\uc735\uae30\uad00\uc5d0 \ub0a9\uc785\uc561 \uc804\ud658 \uc2e0\uccad\uc744 \ud1b5\ud574 \uadf8 \uae08\uc561\uc758 \uc804\ubd80 \ub610\ub294 \uc77c\ubd80\ub97c \ud574\ub2f9 \uc5f0\ub3c4 \ub0a9\uc785\uc561\uc73c\ub85c \uc804\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ud658\ub41c \uae08\uc561\uc740 \ud574\ub2f9 \uc5f0\ub3c4\uc758 \uc5f0\uae08\uacc4\uc88c \uc138\uc561\uacf5\uc81c \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uacf5\uc81c \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc5b4\uc694.<\/p>\n<p>\uc77c\ubc18\uc801\uc73c\ub85c\ub294 \uad6d\uc138\uccad \ud648\ud0dd\uc2a4\uc5d0\uc11c \u2018\uc5f0\uae08\ubcf4\ud5d8\ub8cc \ub4f1 \uc18c\ub4dd\u00b7\uc138\uc561\uacf5\uc81c \ud655\uc778\uc11c\u2019\ub97c \ubc1c\uae09\ubc1b\uc544 \uae08\uc735\uae30\uad00\uc5d0 \uc81c\ucd9c\ud574 \uc2e0\uccad\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \uc2e0\uccad \uac00\ub2a5 \uc5ec\ubd80\uc640 \uc81c\ucd9c \uc11c\ub958, \ucc98\ub9ac \ubc29\uc2dd\uc740 \uae08\uc735\uae30\uad00\ubcc4\ub85c \ub2e4\ub97c \uc218 \uc788\uc5b4 \uc0ac\uc804\uc5d0 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q5_1800%EB%A7%8C_%EC%9B%90_900%EB%A7%8C_%EC%9B%90_600%EB%A7%8C_%EC%9B%90%EC%9D%80_%EA%B0%81%EA%B0%81_%EB%AC%B4%EC%97%87%EC%97%90_%EB%8C%80%ED%95%9C_%ED%95%9C%EB%8F%84_%EA%B8%88%EC%95%A1%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span><strong>Q5. 1,800\ub9cc \uc6d0, 900\ub9cc \uc6d0, 600\ub9cc \uc6d0\uc740 \uac01\uac01 \ubb34\uc5c7\uc5d0 \ub300\ud55c \ud55c\ub3c4 \uae08\uc561\uc778\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \uc138 \uc22b\uc790\ub294 \uae30\uc900\uc774 \uc11c\ub85c \ub2e4\ub978 \ud55c\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n<table style=\"width: 700px; border-collapse: collapse;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr>\n<th style=\"width: 233px; text-align: center; background-color: #cde990;\"><strong>\uae08\uc561<\/strong><\/th>\n<th style=\"width: 233px; text-align: center; background-color: #cde990;\"><strong>\uad6c\ubd84<\/strong><\/th>\n<th style=\"width: 233px; text-align: center; background-color: #cde990;\"><strong>\uc124\uba85<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 233px; text-align: center; font-weight: bold;\">600\ub9cc \uc6d0<\/td>\n<td style=\"width: 233px; text-align: center;\">\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/td>\n<td style=\"width: 233px;\">\uc5f0\uae08\uc800\ucd95 \ub2e8\ub3c5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 233px; text-align: center; font-weight: bold;\">900\ub9cc \uc6d0<\/td>\n<td style=\"width: 233px; text-align: center;\">\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/td>\n<td style=\"width: 233px;\">\uc5f0\uae08\uc800\ucd95 + IRP \ud569\uc0b0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 233px; text-align: center; font-weight: bold;\">1,800\ub9cc \uc6d0<\/td>\n<td style=\"width: 233px; text-align: center;\">\ub0a9\uc785 \ud55c\ub3c4<\/td>\n<td style=\"width: 233px;\">\uc5f0\uae08\uc800\ucd95 + IRP \uc804\uccb4 \ub0a9\uc785 \ud55c\ub3c4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc989 1,800\ub9cc \uc6d0\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc138\uc561\uacf5\uc81c\ub294 \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0\ub9cc \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.mynamuhbegin.com\/blog\/category\/%ed%88%ac%ec%9e%90-%ea%b0%80%ec%9d%b4%eb%93%9c\/?utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_fund_irp\">\ub098\ubb34\uc99d\uad8c \ud22c\uc790 \uac00\uc774\ub4dc \ucf58\ud150\uce20 \ubcf4\ub7ec \uac00\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%ED%8E%80%EB%93%9C%EB%A1%9C_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%EC%B1%99%EA%B8%B0%EB%8A%94_%EB%82%A9%EC%9E%85_%EC%A0%84%EB%9E%B5\"><\/span><strong>3. \ub098\ubb34\uc99d\uad8c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub85c \uc138\uc561\uacf5\uc81c \ucc59\uae30\ub294 \ub0a9\uc785 \uc804\ub7b5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-427 size-large\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3-1024x765.jpg\" alt=\"\uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c, \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4, \uc5f0\uae08\uc800\ucd95 \ud380\ub4dc, \uc5f0\uae08\uc800\ucd95 IRP \uc138\uc561\uacf5\uc81c\" width=\"1024\" height=\"765\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3-1024x765.jpg 1024w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3-300x224.jpg 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3-768x574.jpg 768w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3-900x672.jpg 900w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3-500x374.jpg 500w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/06\/\uc5f0\uae08\uc800\ucd95_3.jpg 1451w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc640 \uacf5\uc81c\uc728\uc744 \uc774\ud574\ud588\ub2e4\uba74, \uc774\uc81c\ub294 \uc2e4\uc81c\ub85c \uc5b4\ub5bb\uac8c \ub0a9\uc785\ud574\uc57c \ud6a8\uc728\uc801\uc778\uc9c0\uac00 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub0a9\uc785 \uc2dc\uc810\uacfc \uc6b4\uc6a9\ucc98\uc5d0 \ub530\ub77c \uc138\uc561\uacf5\uc81c \ud6a8\uacfc\uc640 \uc6b4\uc6a9 \ube44\uc6a9\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%ED%95%9C%EB%8F%84%EB%A5%BC_%ED%9A%A8%EC%9C%A8%EC%A0%81%EC%9C%BC%EB%A1%9C_%EC%B1%84%EC%9A%B0%EB%8A%94_%EB%82%A9%EC%9E%85_%EB%B0%A9%EC%8B%9D\"><\/span><strong>1) \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \ucc44\uc6b0\ub294 \ub0a9\uc785 \ubc29\uc2dd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc5f0\ub9d0\uc5d0 \ud55c \ubc88\uc5d0 \ubab0\uc544\uc11c \ub0a9\uc785\ud558\uae30\ubcf4\ub2e4, <strong>\ub9e4\uc6d4 \ub098\ub220 \ub0a9\uc785\ud558\uba70 \uc794\uc5ec \ud55c\ub3c4\ub97c \ud655\uc778\ud574\uac00\ub294 \ubc29\uc2dd<\/strong>\uc774 \uc790\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ub370\uc5d0 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc544\ub798 \uc138 \uac00\uc9c0 \ud301\uc744 \ud655\uc778\ud574\ubcf4\uc138\uc694.<\/p>\n<p>&nbsp;<\/p>\n<p>1\ufe0f\u20e3 \ub9e4\uc6d4 \uc815\uae30 \ub0a9\uc785\uc73c\ub85c \uc790\uae08 \ubd80\ub2f4 \ubd84\uc0b0\ud558\uae30<\/p>\n<p>2\ufe0f\u20e3 \uc99d\uad8c\uc0ac \uc571\uc5d0\uc11c \ub0a9\uc785 \ud604\ud669\uacfc \uc794\uc5ec \ud55c\ub3c4\ub97c \uc218\uc2dc\ub85c \ud655\uc778\ud558\uae30<\/p>\n<p>3\ufe0f\u20e3 \uc5f0\ub9d0\uc774 \ub2e4\uac00\uc624\ub294 \uc2dc\uc810\uc5d0 \ubd80\uc871\ud55c \ud55c\ub3c4\ub97c \uc810\uac80\ud558\uace0 \ub9e4\uc218\uae4c\uc9c0 \ub9c8\ubb34\ub9ac\ud558\uae30<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EC%97%B0%EB%A7%90_%EC%96%B8%EC%A0%9C%EA%B9%8C%EC%A7%80_%EB%82%A9%EC%9E%85%ED%95%B4%EC%95%BC_%EC%98%AC%ED%95%B4_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%A5%BC_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>2) \uc5f0\ub9d0 \uc5b8\uc81c\uae4c\uc9c0 \ub0a9\uc785\ud574\uc57c \uc62c\ud574 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc5f0\uae08\uc800\ucd95\uc138\uc561\uacf5\uc81c\ub294<strong> \ud574\ub2f9 \uc5f0\ub3c4 12\uc6d4 31\uc77c\uae4c\uc9c0 \ub0a9\uc785\uc744 \uc644\ub8cc\ud55c \uae08\uc561<\/strong>\uc744 \uae30\uc900\uc73c\ub85c \uc778\uc815\ub429\ub2c8\ub2e4.<br \/>\n\ub2e4\ub9cc \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \ud574\ub2f9 \uacc4\uc88c\uc5d0 \uc785\uae08 \uc644\ub8cc\ub41c \uc2dc\uc810\uc774 \uae30\uc900\uc774 \ub418\ubbc0\ub85c, \uc785\uae08\ub9cc \ud574\ub450\uace0 \ub9e4\uc218\uac00 \ub2e4\uc74c \ud574\ub85c \ub118\uc5b4\uac00\uba74 \uc62c\ud574 \uc138\uc561\uacf5\uc81c\uc5d0 \ubc18\uc601\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc740\ud589\uacfc \uc99d\uad8c\uc0ac\ub9c8\ub2e4 \uc774\uccb4 \ubc0f \ub9e4\uc218 \ub9c8\uac10 \uc2dc\uac04 \ub610\ud55c \ub2e4\ub974\ubbc0\ub85c, \uc5f0\ub9d0\uc5d0\ub294 \uba70\uce60 \uc5ec\uc720\ub97c \ub450\uace0 \ubbf8\ub9ac \ub0a9\uc785\uacfc \ub9e4\uc218\ub97c \uc644\ub8cc\ud574\ub450\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%97%90%EC%84%9C_%EC%97%B0%EA%B8%88_%ED%88%AC%EC%9E%90%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%80_%EC%A0%90%EC%9D%80\"><\/span><strong>3) \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc5f0\uae08 \ud22c\uc790\ud558\uba74 \uc88b\uc740 \uc810\uc740?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uac19\uc740 \uc5f0\uae08\uc800\ucd95\uc774\ub77c\ub3c4 \uc6b4\uc6a9\ucc98\uc5d0 \ub530\ub77c \ube44\uc6a9\uacfc \uc548\uc815\uc131 \ubd80\ubd84\uc5d0\uc11c \ucc28\uc774\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub098\ubb34\uc99d\uad8c\uc740 \ubc14\ub85c \uc774 \ub450 \uac00\uc9c0\uc5d0\uc11c \ubd84\uba85\ud55c \uac15\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc218\uc218\ub8cc \uac71\uc815 ZERO<br \/>\n<\/strong>\uac1c\uc778 \ub0a9\uc785\uae08 \uc218\uc218\ub8cc, ETF \ub9e4\ub9e4\uc218\uc218\ub8cc(+\uc99d\uad8c \uac70\ub798\uc138) \ub4f1\uc774 \ubaa8\ub450 0\uc6d0\uc785\ub2c8\ub2e4. \uc138\uc561\uacf5\uc81c\ub85c \uc138\uae08\uc744 \ub3cc\ub824\ubc1b\uc73c\uba74\uc11c\ub3c4, \uc6b4\uc6a9 \uacfc\uc815\uc5d0\uc11c \ub4dc\ub294 \ube44\uc6a9 \ubd80\ub2f4\uae4c\uc9c0 \ud568\uaed8 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ubbff\uc744 \uc218 \uc788\ub294 \uc2e0\uc6a9\ub4f1\uae09<br \/>\n<\/strong>\ub098\ubb34\uc99d\uad8c\uc740 \uc5c5\uacc4 \ucd5c\uace0 \uc218\uc900\uc778 AA+ \uc2e0\uc6a9\ub4f1\uae09*\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc73c\uba70, 2015\ub144 \uc774\ud6c4 \uc7a5\uae30\uac04 AA+ \ub4f1\uae09\uc744 \uc720\uc9c0\ud574 \uc654\uc2b5\ub2c8\ub2e4. \uc624\ub798\ub3c4\ub85d \uc6b4\uc6a9\ud574\uc57c \ud558\ub294 \ub178\ud6c4 \uc790\uae08\uc744 \ub354\uc6b1 \uc548\uc2ec\ud558\uace0 \uc6b4\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*2026.03.25 \ud55c\uad6d\uae30\uc5c5\ud3c9\uac00 \uae30\uc900<br \/>\n\u203b \uac00\uc785 \uc0c1\ud488\ubcc4 \ud380\ub4dc \ubcf4\uc218 \ub4f1\uc740 \ubcc4\ub3c4\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\ub9dd\uc124\uc774\ub294 \uc0ac\uc774\uc5d0\ub3c4 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \ucc44\uc6cc\uc9c0\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc9c0\uae08 \ubc14\ub85c \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc2dc\uc791\ud574\ubcf4\uc138\uc694!<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub85c \uc62c\ud574 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4 \ucc44\uc6b0\uae30<\/strong><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-eb8298ebacb4eca69deab68c-ebb094eba19ceab080eab8b0\" href=\"https:\/\/www.mynamuhbegin.com\/irp?utm_source=metric-studio&#038;utm_medium=blog&#038;utm_campaign=namuh_fund_irp\"><span class='mb-text'>\ub098\ubb34\uc99d\uad8c \ubc14\ub85c\uac00\uae30<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<div style=\"line-height: 1.1;\">\u203b NH\ud22c\uc790\uc99d\uad8c \uc900\ubc95\uac10\uc2dc\uc778 \uc2ec\uc0ac\ud544 \uc81c2026-1070\ud638(2026-06-29~2027-06-28)<br \/>\n[\uacf5\ud1b5]<br \/>\n\u203b \ud22c\uc790\uc790\ub294 \uae08\uc735\uc0c1\ud488&lt;\uc5f0\uae08\uc800\ucd95\ud380\ub4dc, IRP&gt;\uc5d0 \ub300\ud558\uc5ec \uc99d\uad8c\uc0ac\ub85c\ubd80\ud130 \ucda9\ubd84\ud55c \uc124\uba85\uc744 \ubc1b\uc744 \uad8c\ub9ac\uac00 \uc788\uc73c\uba70,\uac00\uc785\uc804 \uc0c1\ud488\uc124\uba85\uc11c \ubc0f \uc57d\uad00\uc744 \ubc18\ub4dc\uc2dc \uc77d\uc5b4\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<br \/>\n\u203b \uc5f0\uae08\uc800\ucd95 \uacc4\uc57d\uae30\uac04 \ub9cc\ub8cc \uc804 \uc911\ub3c4\ud574\uc9c0\ud558\uac70\ub098 \uacc4\uc57d\uae30\uac04 \uc885\ub8cc \ud6c4 \uc5f0\uae08 \uc774\uc678\uc758 \ud615\ud0dc\ub85c \uc218\ub839\ud558\ub294 \uacbd\uc6b0, \uc138\uc561\uacf5\uc81c \ubc1b\uc740 \ub0a9\uc785\uc6d0\uae08 \ubc0f \uc218\uc775\uc5d0 \ub300\ud574 \uae30\ud0c0\uc18c\ub4dd\uc138(16.5%) \uc138\uc728\uc774 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u203b \uacfc\uc138\uae30\uc900\u00a0\ubc0f\u00a0\uacfc\uc138\ubc29\ubc95\uc740\u00a0\ud5a5\ud6c4\u00a0\uc138\ubc95\uac1c\uc815\u00a0\ub4f1\uc5d0\u00a0\ub530\ub77c\u00a0\ubcc0\ub3d9\ub420\u00a0\uc218\u00a0\uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u203b \uac00\uc785 \ud6c4 5\ub144 \uc774\uc0c1 \ub0a9\uc785 \ubc0f \ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n[\uc5f0\uae08\uc800\ucd95\ud380\ub4dc]<br \/>\n\u203b \uc774\u00a0\uae08\uc735\uc0c1\ud488&lt;\uc5f0\uae08\uc800\ucd95\ud380\ub4dc&gt;\uc740\u00a0\uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0\u00a0\ub530\ub77c\u00a0\ubcf4\ud638\ub418\uc9c0\u00a0\uc54a\uc2b5\ub2c8\ub2e4.<br \/>\n[\ud1f4\uc9c1\uc5f0\uae08 IRP]<br \/>\n\u203b \uc774 \ud1f4\uc9c1\uc5f0\uae08\uc740 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c \uc608\uae08\ubcf4\ud638 \ub300\uc0c1 \uae08\uc735\uc0c1\ud488\uc73c\ub85c \uc6b4\uc6a9\ub418\ub294 \uc801\ub9bd\uae08\uc5d0 \ub300\ud558\uc5ec \ub2e4\ub978 \ubcf4\ud638\uc0c1\ud488\uacfc\ub294 \ubcc4\ub3c4\ub85c 1\uc778\ub2f9 \u201c1\uc5b5\uc6d0\uae4c\uc9c0\u201d(\uc6b4\uc6a9\ub418\ub294 \uae08\uc735\uc0c1\ud488 \ud310\ub9e4\ud68c\uc0ac\ubcc4 \ubcf4\ud638\uc0c1\ud488 \ud569\uc0b0) \ubcf4\ud638\ub429\ub2c8\ub2e4.<br \/>\n\u203b [IRP-N2] \uc801\ub9bd\uae08 \ud3c9\uc794*\uc5d0 \ub530\ub77c \uc6b4\uc6a9\uad00\ub9ac\uc218\uc218\ub8cc(0.08%~0.15%)\uc640 \uc790\uc0b0 \uad00\ub9ac\uc218\uc218\ub8cc(0.07%~0.10%)\uac00 \ubc1c\uc0dd\ud558\uba70 \uc5f0 \ud6c4\ucde8, \uc801\ub9bd\uae08 \ud3c9\uc794 \uad6c\uac04\ubcc4 \uc0c1\uc774, \ub2e8, \uac00\uc785\ud558\uc2dc\ub294 \uae08\uc735\ud22c\uc790\uc0c1\ud488\uc5d0 \ub530\ub77c \uae08\uc735\ud22c\uc790 \uc0c1\ud488\ubcc4 \ubcf4\uc218\ub294 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc790\uc138\ud55c \uc218\uc218\ub8cc\uc728\uc740 \ud648\ud398\uc774\uc9c0 \ub4f1\uc744 \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. (\uc801\ub9bd\uae08 \ud3c9\uc794* : \uc5f0\uac04 \uc77c\uc790\ubcc4 \ud3c9\uac00\uae08\uc561\uc758 \ud3c9\uade0\uac12, \ud1f4\uc9c1\uae08 \uc774\uc804\ubd84\uc5d0 \ud55c\ud568)<br \/>\n\u203b [IRP-N2 \ub2e4\uc774\ub809\ud2b8] \uac00\uc785\uc790\uac00 \ubd80\ub2f4\ud558\ub294 \uc6b4\uc6a9\/\uc790\uc0b0\uad00\ub9ac\uc218\uc218\ub8cc\ub294 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e8, \uac00\uc785\ud558\uc2dc\ub294 \uae08\uc735\ud22c\uc790\uc0c1\ud488\ubcc4 \ubcf4\uc218\ub294 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<br \/>\n\u203b [IRP-\ub098\ubb34] \uac00\uc785\uc790\uac00 \ubd80\ub2f4\ud558\ub294 \uc6b4\uc6a9\/\uc790\uc0b0\uad00\ub9ac\uc218\uc218\ub8cc\ub294 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e8, \uac00\uc785\ud558\uc2dc\ub294 \uae08\uc735\ud22c\uc790\uc0c1\ud488\uc5d0 \ub530\ub77c \uae08\uc735\ud22c\uc790\uc0c1\ud488\ubcc4 \ubcf4\uc218\ub294 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc5d0 \ub300\ud574 \uc81c\ub300\ub85c \uc54c\uace0 \uacc4\uc2e0\uac00\uc694? \ubcf8\uc778 \uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \ud5f7\uac08\ub9ac\ub294 \uae30\uc900\uc744 \uc815\ub9ac\ud574 \uc5f0\uae08\uc800\ucd95 IRP \ub4f1 \uc808\uc138\ub97c \uc704\ud55c \uc790\uae08 \uc6b4\uc6a9 \uc120\ud0dd\uc9c0\ub97c \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":425,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[79,76,77,78],"class_list":["post-424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","tag--irp-","tag-76","tag-77","tag-78","col-md-6 col-sm-6"],"_links":{"self":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts\/424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/comments?post=424"}],"version-history":[{"count":1,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts\/424\/revisions"}],"predecessor-version":[{"id":428,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts\/424\/revisions\/428"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/media\/425"}],"wp:attachment":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/media?parent=424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/categories?post=424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/tags?post=424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}