{"id":573,"date":"2026-08-20T13:07:41","date_gmt":"2026-08-20T04:07:41","guid":{"rendered":"https:\/\/www.mynamuhbegin.com\/blog\/?p=573"},"modified":"2026-08-20T13:07:41","modified_gmt":"2026-08-20T04:07:41","slug":"irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/","title":{"rendered":"\u26a1 IRP\uc640 \uc5f0\uae08\uc800\ucd95, \ubb50\uac00 \ub2e4\ub97c\uae4c \uacc4\uc88c \uc120\ud0dd \uae30\uc900 \ucd1d\uc815\ub9ac"},"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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#1_IRP%EB%9E%80_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%BC_%EB%AC%B4%EC%97%87%EC%9D%B4_%EB%8B%A4%EB%A5%BC%EA%B9%8C\" >1. IRP\ub780? \uc5f0\uae08\uc800\ucd95\uacfc \ubb34\uc5c7\uc774 \ub2e4\ub97c\uae4c<\/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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#1_IRP%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B4%EA%B3%A0_%EB%88%84%EA%B0%80_%EA%B0%80%EC%9E%85%ED%95%A0_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >1) IRP\ub780 \ubb34\uc5c7\uc774\uace0, \ub204\uac00 \uac00\uc785\ud560 \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-3\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#2_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95_IRP_%EC%B0%A8%EC%9D%B4%EC%A0%90%EC%9D%98_%ED%95%B5%EC%8B%AC\" >2) \uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774\uc810\uc758 \ud575\uc2ec<\/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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#3_%EA%B0%9C%EC%9D%B8%ED%98%95%EA%B3%BC_%ED%87%B4%EC%A7%81IRP%EB%8A%94_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%8B%A4%EB%A5%B8%EA%B0%80%EC%9A%94\" >3) \uac1c\uc778\ud615\uacfc \ud1f4\uc9c1IRP\ub294 \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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#2_%EB%82%98%EC%97%90%EA%B2%8C_%EB%A7%9E%EB%8A%94_%EC%97%B0%EA%B8%88%EA%B3%84%EC%A2%8C_%EA%B3%A0%EB%A5%B4%EB%8A%94_%EB%B2%95\" >2. \ub098\uc5d0\uac8c \ub9de\ub294 \uc5f0\uae08\uacc4\uc88c \uace0\ub974\ub294 \ubc95<\/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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#1_%ED%95%98%EB%82%98%EB%A7%8C_%EA%B0%80%EC%9E%85%ED%95%9C%EB%8B%A4%EB%A9%B4_%EC%96%B4%EB%96%A4_%EA%B3%84%EC%A2%8C%EA%B0%80_%EC%9C%A0%EB%A6%AC%ED%95%9C%EA%B0%80%EC%9A%94\" >1) \ud558\ub098\ub9cc \uac00\uc785\ud55c\ub2e4\uba74 \uc5b4\ub5a4 \uacc4\uc88c\uac00 \uc720\ub9ac\ud55c\uac00\uc694?<\/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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#2_%EA%B0%9C%EC%9D%B8%ED%98%95_IRP%EC%9D%98_%EB%8B%A8%EC%A0%90%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" >2) \uac1c\uc778\ud615 IRP\uc758 \ub2e8\uc810\uc740 \ubb34\uc5c7\uc778\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-8\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#3_%ED%87%B4%EC%A7%81%EA%B8%88%EA%B3%BC_%EC%95%88%EC%A0%84%EC%9E%90%EC%82%B0_IRP%EB%A1%9C_%EC%B1%99%EA%B8%B0%EB%8A%94_%EB%B2%95\" >3. \ud1f4\uc9c1\uae08\uacfc \uc548\uc804\uc790\uc0b0, IRP\ub85c \ucc59\uae30\ub294 \ubc95\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#1_%ED%87%B4%EC%A7%81%EA%B8%88%EC%9D%84_%EB%B0%9B%EC%9C%BC%EB%A9%B4_%EC%99%9C_IRP%EB%B6%80%ED%84%B0_%EC%B1%99%EA%B2%A8%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\" >1) \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc73c\uba74 \uc65c IRP\ubd80\ud130 \ucc59\uaca8\uc57c \ud558\ub098\uc694?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#2_%EC%9C%84%ED%97%98%EC%9E%90%EC%82%B0_70_%ED%95%9C%EB%8F%84_ETF%EB%A1%9C_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%B0%B0%EB%B6%84%ED%95%98%EB%82%98%EC%9A%94\" >2) \uc704\ud5d8\uc790\uc0b0 70% \ud55c\ub3c4, ETF\ub85c \uc5b4\ub5bb\uac8c \ubc30\ubd84\ud558\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#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-12\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#Q1_IRP%EB%8A%94_%EB%88%84%EA%B5%AC%EB%82%98_%EA%B0%80%EC%9E%85%ED%95%A0_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >Q1. IRP\ub294 \ub204\uad6c\ub098 \uac00\uc785\ud560 \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\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#Q2_IRP_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%8A%94_%EC%B5%9C%EB%8C%80_%EC%96%BC%EB%A7%88%EA%B9%8C%EC%A7%80_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >Q2. IRP \uc138\uc561\uacf5\uc81c\ub294 \ucd5c\ub300 \uc5bc\ub9c8\uae4c\uc9c0 \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-14\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#Q3_IRP%EB%8F%84_%EC%A4%91%EB%8F%84%EC%9D%B8%EC%B6%9C%EC%9D%B4%EB%82%98_%EC%A4%91%EB%8F%84%ED%95%B4%EC%A7%80%EA%B0%80_%EA%B0%80%EB%8A%A5%ED%95%9C%EA%B0%80%EC%9A%94\" >Q3. IRP\ub3c4 \uc911\ub3c4\uc778\ucd9c\uc774\ub098 \uc911\ub3c4\ud574\uc9c0\uac00 \uac00\ub2a5\ud55c\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#Q4_IRP_%EA%B3%84%EC%A2%8C_%EC%88%98%EC%88%98%EB%A3%8C%EB%8A%94_%EC%96%BC%EB%A7%88%EC%9D%B8%EA%B0%80%EC%9A%94\" >Q4. IRP \uacc4\uc88c \uc218\uc218\ub8cc\ub294 \uc5bc\ub9c8\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-16\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#4_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%97%90%EC%84%9C_%EB%B9%84%EB%8C%80%EB%A9%B4%EC%9C%BC%EB%A1%9C_%EC%8B%9C%EC%9E%91%ED%95%98%EA%B8%B0\" >4. \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \ube44\ub300\uba74\uc73c\ub85c \uc2dc\uc791\ud558\uae30<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#1_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_%ED%88%AC%EC%9E%90_%EC%88%98%EC%88%98%EB%A3%8C_%EA%B1%B1%EC%A0%95_ZERO\" >1) \ub098\ubb34\uc99d\uad8c \ud1f4\uc9c1\uc5f0\uae08 \ud22c\uc790, \uc218\uc218\ub8cc \uac71\uc815 ZERO\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#2_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%97%90%EC%84%9C_%EB%B9%84%EB%8C%80%EB%A9%B4%EC%9C%BC%EB%A1%9C_%EA%B0%9C%EC%84%A4%ED%95%A0_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >2) \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \ube44\ub300\uba74\uc73c\ub85c \uac1c\uc124\ud560 \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-19\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/irp%ec%99%80-%ec%97%b0%ea%b8%88%ec%a0%80%ec%b6%95-%eb%ad%90%ea%b0%80-%eb%8b%a4%eb%a5%bc%ea%b9%8c-%ea%b3%84%ec%a2%8c-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80-%ec%b4%9d%ec%a0%95%eb%a6%ac\/#3_%EB%8B%A4%EB%A5%B8_%EA%B8%88%EC%9C%B5%EC%82%AC%EC%9D%98_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88%EB%8F%84_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%9C%BC%EB%A1%9C_%EC%98%AE%EA%B8%B8_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\" >3) \ub2e4\ub978 \uae08\uc735\uc0ac\uc758 \ud1f4\uc9c1\uc5f0\uae08\ub3c4 \ub098\ubb34\uc99d\uad8c\uc73c\ub85c \uc62e\uae38 \uc218 \uc788\ub098\uc694?<\/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>IRP\ub294 \uc18c\ub4dd\uc774 \uc788\ub294 \ucde8\uc5c5\uc790 \ub4f1\uc774 \uac00\uc785\ud560 \uc218 \uc788\uc73c\uba70, \uc5f0\uae08\uc800\ucd95\uacfc \ud569\uc0b0 \ucd5c\ub300 900\ub9cc\uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc, \uc704\ud5d8\uc790\uc0b0 \ud22c\uc790\ub294 \ucd5c\ub300 70%\ub85c \uc81c\ud55c\ub429\ub2c8\ub2e4.<\/li>\n<li>\ud1f4\uc9c1\uae09\uc5ec\ub97c \ub9cc 55\uc138 \uc774\uc804\uc5d0 \ubc1b\ub294\ub2e4\uba74 \uc6d0\uce59\uc801\uc73c\ub85c IRP \uacc4\uc88c\ub85c \uc774\uc804\ud574\uc57c \ud558\uba70, \uc774\ub54c \ud1f4\uc9c1\uc18c\ub4dd\uc138\ub97c \uc5f0\uae08 \uc218\ub839 \uc2dc\uc810\uae4c\uc9c0 \ubbf8\ub8e8\ub294 \uacfc\uc138\uc774\uc5f0 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ub098\ubb34\uc99d\uad8c\uc740 \ube44\ub300\uba74\uc73c\ub85c \ub450 \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uace0, \ud1f4\uc9c1\uae08 \uc6b4\uc6a9\u00b7\ub9e4\ub9e4\uc218\uc218\ub8cc \ub4f1\uc744 0\uc6d0\uc73c\ub85c \uc81c\uacf5\ud558\ub294 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589 \uc911\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/div>\n<p>&nbsp;<\/p>\n<p>\ud1f4\uc9c1\uae08\uc740 \uc5b4\ub5bb\uac8c \uad74\ub824\uc57c \ud560\uc9c0, \uc5f0\ub9d0\uc815\uc0b0 \ud658\uae09\ub3c4 \ucc59\uae30\uba74\uc11c \ub178\ud6c4 \uc790\uae08\uae4c\uc9c0 \uc900\ube44\ud558\uace0 \uc2f6\ub2e4\uba74 \uc5b4\ub514\uc11c\ubd80\ud130 \uc2dc\uc791\ud574\uc57c \ud560\uc9c0 \uace0\ubbfc\ud574 \ubcf4\uc2e0 \uc801 \uc788\uc73c\uc2e0\uac00\uc694?<\/p>\n<p>\uc5f0\uae08 \uacc4\uc88c\ub97c \ucc3e\uc544\ubcf4\ub2e4 \ubcf4\uba74 IRP\uc640 \uc5f0\uae08\uc800\ucd95\uc774\ub77c\ub294 \ub450 \uc774\ub984\uc744 \uc790\uc8fc \ub9c8\uc8fc\uce58\ub294\ub370, \ub458 \ub2e4 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc808\uc138 \uc218\ub2e8\uc774\uc9c0\ub9cc \uac00\uc785 \ub300\uc0c1\ubd80\ud130 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4, \uc911\ub3c4\uc778\ucd9c \uc870\uac74, \ud22c\uc790 \uac00\ub2a5 \uc790\uc0b0\uae4c\uc9c0 \uc870\uac74\uc774 \uc11c\ub85c \ub2e4\ub985\ub2c8\ub2e4. \ub458\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50\ud574 \ub098\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub97c \uace0\ub974\ub824\ub294 \ubd84, \uc790\ub140 \ub3c5\ub9bd \uc774\ud6c4 \ubcf8\uc778\uc758 \ub178\ud6c4 \uc790\uc0b0\uc744 \uc808\uc138 \uacc4\uc88c \uc911\uc2ec\uc73c\ub85c \uc815\ub9ac\ud558\ub824\ub294 \ubd84\uc774\ub77c\uba74 \ub354\ub354\uc6b1 \uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774\ub97c \uc815\ud655\ud788 \uc54c\uc544\ub458 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 IRP\ub780 \ubb34\uc5c7\uc774\uace0 \uc5f0\uae08\uc800\ucd95\uacfc \uc5b4\ub5bb\uac8c \ub2e4\ub978\uc9c0, \ub098\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub294 \uc5b4\ub5bb\uac8c \uace8\ub77c\uc57c \ud558\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uace0, \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \ube44\ub300\uba74\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \ubc29\ubc95\uae4c\uc9c0 \ud568\uaed8 \uc815\ub9ac\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_IRP%EB%9E%80_%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EA%B3%BC_%EB%AC%B4%EC%97%87%EC%9D%B4_%EB%8B%A4%EB%A5%BC%EA%B9%8C\"><\/span><strong>1. IRP\ub780? \uc5f0\uae08\uc800\ucd95\uacfc \ubb34\uc5c7\uc774 \ub2e4\ub97c\uae4c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-large wp-image-575\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2-1024x768.jpg\" alt=\"IRP, IRP \uacc4\uc88c, \uc5f0\uae08\uc800\ucd95, \uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0, ETF, \uc548\uc804\uc790\uc0b0, \ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804\" width=\"1024\" height=\"768\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2-1024x768.jpg 1024w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2-300x225.jpg 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2-768x576.jpg 768w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2-900x675.jpg 900w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2-500x375.jpg 500w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_2.jpg 1448w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>\ub178\ud6c4 \uc900\ube44\ub97c \uc704\ud55c \ub300\ud45c\uc801\uc778 \uc808\uc138 \uacc4\uc88c\ub85c \ub450 \uac00\uc9c0 \uc218\ub2e8\uc774 \ud568\uaed8 \uc5b8\uae09\ub418\uace4 \ud558\uc9c0\ub9cc, \uc0ac\uc2e4 \uc5ec\ub7ec \uc9c0\uc810\uc5d0\uc11c \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\ubcf8\uaca9\uc801\uc778 \ube44\uad50 \uc804 IRP\uac00 \uc815\ud655\ud788 \uc5b4\ub5a4 \uacc4\uc88c\uc778\uc9c0\ubd80\ud130 \uc9da\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_IRP%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B4%EA%B3%A0_%EB%88%84%EA%B0%80_%EA%B0%80%EC%9E%85%ED%95%A0_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>1) IRP\ub780 \ubb34\uc5c7\uc774\uace0, \ub204\uac00 \uac00\uc785\ud560 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>IRP(\uac1c\uc778\ud615\ud1f4\uc9c1\uc5f0\uae08)\ub294 \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc544 \uc6b4\uc6a9\ud558\uac70\ub098 \uac1c\uc778\uc774 \uc9c1\uc811 \ub0a9\uc785\ud574 \ub178\ud6c4 \uc790\uae08\uc744 \ub9c8\ub828\ud558\ub294 \uc5f0\uae08 \uacc4\uc88c\uc785\ub2c8\ub2e4. \uc9c1\uc7a5\uc778\ubfd0 \uc544\ub2c8\ub77c \uc18c\ub4dd\uc774 \uc788\ub294 \ud504\ub9ac\ub79c\uc11c, \uc790\uc601\uc5c5\uc790\ub3c4 \uac00\uc785\ud560 \uc218 \uc788\uc5b4 \uc18c\ub4dd\uc774 \uc788\ub2e4\uba74 \ub204\uad6c\ub098 \ud65c\uc6a9 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacc4\uc88c \uc548\uc5d0\uc11c\ub294 \uc608\uae08, \ud380\ub4dc, ETF \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488\uc73c\ub85c \uc9c1\uc811 \uc6b4\uc6a9 \uac00\ub2a5\ud558\uace0, \uc6b4\uc6a9\uc218\uc775\uc5d0 \ub300\ud55c \uc138\uae08\uc744 \uc5f0\uae08 \uc218\ub839 \uc2dc\uc810\uae4c\uc9c0 \ubbf8\ub8e8\ub294 \uacfc\uc138\uc774\uc5f0 \ud6a8\uacfc\uac00 \uc788\uc5b4 \uadf8\ub9cc\ud07c \uc7ac\ud22c\uc790\ub97c \ud1b5\ud55c \ub208\ub369\uc774 \ud6a8\uacfc\ub3c4 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\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%B0%A8%EC%9D%B4%EC%A0%90%EC%9D%98_%ED%95%B5%EC%8B%AC\"><\/span><strong>2) \uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774\uc810\uc758 \ud575\uc2ec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uadf8\ub807\ub2e4\uba74 \uc774 \ub458\uc740 \uc5b4\ub5bb\uac8c \ub2e4\ub97c\uae4c\uc694?<br \/>\nIRP\ub294 \uc18c\ub4dd\uc774 \uc788\ub294 \uc0ac\ub78c\uacfc \ud1f4\uc9c1\uae09\uc5ec\uc81c\ub3c4\uc758 \uc77c\uc2dc\uae08\uc744 \uc218\ub839\ud55c \uc0ac\ub78c\ub9cc \uac00\uc785\ud560 \uc218 \uc788\ub294 \ubc18\uba74, \uc5f0\uae08\uc800\ucd95\uc740 \uc18c\ub4dd\uacfc \ubb34\uad00\ud558\uac8c \ub204\uad6c\ub098 \uac00\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc758 \uacbd\uc6b0 \uc5f0\uae08\uc800\ucd95(\ud380\ub4dc) \ub2e8\ub3c5\uc73c\ub85c\ub294 \ucd5c\ub300 \uc5f0 600\ub9cc \uc6d0\uae4c\uc9c0\uc9c0\ub9cc IRP\ub97c \ud3ec\ud568\ud558\uba74 \ud569\uc0b0 \ucd5c\ub300 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4.<br \/>\n\uc911\ub3c4\uc778\ucd9c \uc870\uac74 \uc5ed\uc2dc \ub2ec\ub77c\uc11c \uc5f0\uae08\uc800\ucd95\uc740 \ube44\uad50\uc801 \uc790\uc720\ub86d\uac8c \uc778\ucd9c\ud560 \uc218 \uc788\ub294 \ud3b8\uc774\uc9c0\ub9cc IRP\ub294 \ubb34\uc8fc\ud0dd\uc790\uc758 \uc8fc\ud0dd \uad6c\uc785, \uc694\uc591, \ud30c\uc0b0 \ub4f1 \ubc95\uc815 \uc0ac\uc720\uc5d0 \ud55c\ud574\uc11c\ub9cc \uc911\ub3c4\uc778\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud22c\uc790 \uac00\ub2a5 \uc790\uc0b0\uc758 \uacbd\uc6b0 \uc5f0\uae08\uc800\ucd95\uc740 \uc704\ud5d8\uc790\uc0b0 \ud3b8\uc785\uc5d0 \ubcc4\ub3c4 \ud55c\ub3c4\uac00 \uc5c6\ub294 \ubc18\uba74 IRP\ub294 \uc8fc\uc2dd\ud615 ETF\u00b7\ud380\ub4dc \ub4f1 \uc704\ud5d8\uc790\uc0b0\uc744 \ucd5c\ub300 70%\uae4c\uc9c0\ub9cc \ub2f4\uc744 \uc218 \uc788\ub2e4\ub294 \uc81c\ud55c\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774\ub97c \uc815\ub9ac\ud558\uc790\uba74 \uc544\ub798 \ud45c\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<table style=\"width: 749px; border-collapse: collapse; height: 333px;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr><!-- image_8ac6b9.png\uc5d0\uc11c \ucd94\ucd9c\ud55c \uc5f0\ub450\uc0c9(#CDE990) \uc801\uc6a9 --><\/p>\n<th style=\"width: 115px; text-align: center; background-color: #cde990;\"><strong>\uad6c\ubd84<\/strong><\/th>\n<th style=\"width: 266px; text-align: center; background-color: #cde990;\"><strong>\uac1c\uc778\ud615 IRP<\/strong><\/th>\n<th style=\"width: 255px; text-align: center; background-color: #cde990;\"><strong>\uc5f0\uae08\uc800\ucd95(\ud380\ub4dc)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 115px; text-align: center;\"><strong>\uac00\uc785 \ub300\uc0c1<\/strong><\/td>\n<td style=\"width: 266px;\">\uc18c\ub4dd\uc774 \uc788\ub294 \uc0ac\ub78c (\uc9c1\uc7a5\uc778\u00b7\ud504\ub9ac\ub79c\uc11c\u00b7\uc790\uc601\uc5c5\uc790) \ub610\ub294 \ud1f4\uc9c1\uae09\uc5ec\uc81c\ub3c4 \uc77c\uc2dc\uae08 \uc218\ub839\uc790<\/td>\n<td style=\"width: 255px; text-align: center;\">\uc81c\ud55c \uc5c6\uc74c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 115px; text-align: center;\"><strong>\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong><\/td>\n<td style=\"width: 266px; text-align: center;\">\uc5f0\uae08\uc800\ucd95 \ud3ec\ud568 \ud569\uc0b0 \ucd5c\ub300 900\ub9cc \uc6d0<\/td>\n<td style=\"width: 255px; text-align: center;\">\ucd5c\ub300 600\ub9cc \uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 115px; text-align: center;\"><strong>\uc911\ub3c4\uc778\ucd9c<\/strong><\/td>\n<td style=\"width: 266px; text-align: center;\">\ubc95\uc815 \uc0ac\uc720\uc5d0 \ud55c\ud574 \uc81c\ud55c\uc801<\/td>\n<td style=\"width: 255px; text-align: center;\">\ube44\uad50\uc801 \uc790\uc720\ub85c\uc6b4 \ud3b8<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 115px; text-align: center;\"><strong>\ud22c\uc790 \uac00\ub2a5 \uc790\uc0b0<\/strong><\/td>\n<td style=\"width: 266px; text-align: center;\">\uc704\ud5d8\uc790\uc0b0 \ucd5c\ub300 70% \uc81c\ud55c<\/td>\n<td style=\"width: 255px; text-align: center;\">\uc704\ud5d8\uc790\uc0b0 \ud55c\ub3c4 \uc5c6\uc74c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 115px; text-align: center;\"><strong>\uc5f0\uae08 \uc218\ub839 \uc870\uac74<\/strong><\/td>\n<td style=\"width: 266px;\">\ub9cc 55\uc138 \uc774\ud6c4, \uac00\uc785 5\ub144 \uacbd\uacfc \ud6c4 \uc5f0\uae08 \uc218\ub839 \uac00\ub2a5<br \/>\n<span style=\"font-size: 0.85em; color: #666;\">(\ud1f4\uc9c1\uae09\uc5ec \uc218\ub839 \ubaa9\uc801\uc758 \uacbd\uc6b0 5\ub144 \uc694\uac74 \uc608\uc678)<\/span><\/td>\n<td style=\"width: 255px; text-align: center;\">\ub9cc 55\uc138 \uc774\ud6c4, \uac00\uc785 5\ub144 \uacbd\uacfc \ud6c4 \uc5f0\uae08 \uc218\ub839 \uac00\ub2a5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>IRP\ub294 \uc5f0\uae08\uc800\ucd95\uacfc \ud569\uc0b0\ud574 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc774\uba70, \ub2e8\ub3c5\uc73c\ub85c \ub0a9\uc785\ud574\ub3c4 900\ub9cc \uc6d0 \uc804\uc561\uc774 \uc778\uc815\ub429\ub2c8\ub2e4.<br \/>\n\uacf5\uc81c\uc728\uc740 \ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0(\uc885\ud569\uc18c\ub4dd 4,500\ub9cc \uc6d0)\uc744 \uae30\uc900\uc73c\ub85c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc18c\ub4dd \uad6c\uac04\ubcc4 \uacf5\uc81c \uc138\uc561\uacfc \ub0a9\uc785 \ud55c\ub3c4(\uc5f0 1,800\ub9cc \uc6d0)\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \uc544\ub798 \ucf58\ud150\uce20\ub97c \ucc38\uace0\ud574 \uc8fc\uc138\uc694.<\/p>\n<p><a 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\/?utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_IRP\">2026 \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c\ud55c\ub3c4 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30 <\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%EA%B0%9C%EC%9D%B8%ED%98%95%EA%B3%BC_%ED%87%B4%EC%A7%81IRP%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>3) \uac1c\uc778\ud615\uacfc \ud1f4\uc9c1IRP\ub294 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>IRP\ub294 \uc790\uae08\uc758 \ucd9c\ucc98\uc5d0 \ub530\ub77c \ub450 \uac00\uc9c0 \ud0c0\uc785\uc73c\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4.<\/p>\n<p>\ud1f4\uc9c1IRP\ub294 \ud68c\uc0ac\uac00 \uc801\ub9bd\ud55c \ud1f4\uc9c1\uae09\uc5ec\ub97c \uc218\ub839\ud558\uae30 \uc704\ud574 \uac1c\uc124\ud558\ub294 \uacc4\uc88c\uc778 \ubc18\uba74, \uac1c\uc778\ud615IRP\ub294 \uac1c\uc778\uc774 \uc790\ubc1c\uc801\uc73c\ub85c \ub0a9\uc785\ud574 \uc138\uc561\uacf5\uc81c\uc640 \ub178\ud6c4 \uc900\ube44\ub97c \ud568\uaed8 \ub3c4\ubaa8\ud558\ub294 \uacc4\uc88c\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud558\ub098\uc758 \uacc4\uc88c \uc548\uc5d0\uc11c \ud1f4\uc9c1\uae09\uc5ec\uc640 \uac1c\uc778 \ub0a9\uc785\uae08\uc744 \ud568\uaed8 \uc6b4\uc6a9\ud560 \uc218\ub3c4 \uc788\uc73c\uba70, \uc774\ub54c \uacf5\uc81c\ub294 \uac1c\uc778\uc774 \ucd94\uac00\ub85c \ub0a9\uc785\ud55c \uae08\uc561\uc5d0\ub9cc \uc801\uc6a9\ub41c\ub2e4\ub294 \uc810\uc744 \uae30\uc5b5\ud574 \ub450\uc2dc\uba74 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*\uacf5\uc81c \ud55c\ub3c4, \uc911\ub3c4\uc778\ucd9c \uc870\uac74 \ub4f1\uc740 \uc138\ubc95 \uac1c\uc815\uc5d0 \ub530\ub77c \ubcc0\uacbd\ub420 \uc218 \uc788\uc73c\ub2c8 \uac00\uc785 \uc804 \ucd5c\uc2e0 \uae30\uc900\uc744 \ub530\ub85c \ud655\uc778\ud558\uc2dc\ub294 \uac83\uc744 \uad8c\uc7a5\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_%EB%82%98%EC%97%90%EA%B2%8C_%EB%A7%9E%EB%8A%94_%EC%97%B0%EA%B8%88%EA%B3%84%EC%A2%8C_%EA%B3%A0%EB%A5%B4%EB%8A%94_%EB%B2%95\"><\/span><strong>2. \ub098\uc5d0\uac8c \ub9de\ub294 \uc5f0\uae08\uacc4\uc88c \uace0\ub974\ub294 \ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\uc774\uc81c \ucc28\uc774\ub97c \uc774\ud574\ud588\ub2e4\uba74 \uc2e4\uc81c\ub85c \uc5b4\ub5a4 \uacc4\uc88c\ub97c \uc120\ud0dd\ud560\uc9c0 \uc815\ud560 \ucc28\ub840\uc785\ub2c8\ub2e4. \uc815\ub2f5\uc774 \ud558\ub098\ub85c \uc815\ud574\uc838 \uc788\uc9c0\ub294 \uc54a\uc9c0\ub9cc, \uba87 \uac00\uc9c0 \uae30\uc900\uc73c\ub85c \ub098\ub220\ubcf4\uba74 \uc790\uc2e0\uc758 \ud604 \uc0c1\ud669\uc5d0 \ub530\ub77c \ud310\ub2e8\ud558\uae30\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%ED%95%98%EB%82%98%EB%A7%8C_%EA%B0%80%EC%9E%85%ED%95%9C%EB%8B%A4%EB%A9%B4_%EC%96%B4%EB%96%A4_%EA%B3%84%EC%A2%8C%EA%B0%80_%EC%9C%A0%EB%A6%AC%ED%95%9C%EA%B0%80%EC%9A%94\"><\/span><strong>1) \ud558\ub098\ub9cc \uac00\uc785\ud55c\ub2e4\uba74 \uc5b4\ub5a4 \uacc4\uc88c\uac00 \uc720\ub9ac\ud55c\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc5b4\ub5a4 \uacc4\uc88c\uac00 \uc720\ub9ac\ud55c\uc9c0\ub294 \ubcf8\uc778\uc758 \uc18c\ub4dd \uc5ec\ubd80, \uc790\uae08 \uacc4\ud68d, \ub0a9\uc785 \uc5ec\ub825\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\uc18c\ub4dd\uc774 \uc5c6\ub294 \uc8fc\ubd80\ub098 \ud559\uc0dd\uc774\ub77c\uba74 \uc560\ucd08\uc5d0 \uc5f0\uae08\uc800\ucd95\ub9cc \uac00\uc785\ud560 \uc218 \uc788\uace0, \uc911\ub3c4\uc5d0 \uc790\uae08\uc744 \uc778\ucd9c\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uba74 \uc778\ucd9c\uc774 \ube44\uad50\uc801 \uc790\uc720\ub85c\uc6b4 \uc5f0\uae08\uc800\ucd95\uc774 \uc720\ub9ac\ud55c \ud3b8\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uace0 \uc2f6\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95 600\ub9cc \uc6d0 \ucd08\uacfc\ubd84\uc740 IRP\ub85c\ub9cc \ucc44\uc6b8 \uc218 \uc788\uc73c\ubbc0\ub85c \ub450 \uacc4\uc88c\ub97c \ubcd1\ud589\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\uc9c1\uc774\ub098 \ud1f4\uc9c1\uc73c\ub85c \ud1f4\uc9c1\uae09\uc5ec\ub97c \ubc1b\uc744 \uc608\uc815\uc774\ub77c\uba74 \uc5b4\ucc28\ud53c \uac1c\uc124\uc774 \ud544\uc694\ud55c \ub9cc\ud07c, IRP\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uac83\ub3c4 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"2_%EA%B0%9C%EC%9D%B8%ED%98%95_IRP%EC%9D%98_%EB%8B%A8%EC%A0%90%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span><strong>2) \uac1c\uc778\ud615 IRP\uc758 \ub2e8\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uacf5\uc81c \ud55c\ub3c4\uac00 \ub192\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc9c0\ub9cc, \uadf8\ub9cc\ud07c \uc81c\uc57d\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc911\ub3c4\uc778\ucd9c\uc774 \ubc95\uc815 \uc0ac\uc720\uc5d0 \ud55c\ud574\uc11c\ub9cc \uac00\ub2a5\ud574 \uc790\uae08 \uc720\ub3d9\uc131\uc774 \ub0ae\uc740 \ud3b8\uc774\uace0, \uc704\ud5d8\uc790\uc0b0 \ud3b8\uc785\ub3c4 \ucd5c\ub300 70%\ub85c \uc81c\ud55c\ub418\uc5b4 \uc788\uc5b4 \uacf5\uaca9\uc801\uc778 \uc6b4\uc6a9\uc5d0\ub294 \ud55c\uacc4\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc5f0\uae08 \uc678\uc758 \ud615\ud0dc\ub85c \ud574\uc9c0\ud560 \uacbd\uc6b0 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc740 \ub0a9\uc785\uae08\uacfc \uc6b4\uc6a9\uc218\uc775\uc5d0 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd80\uacfc\ub418\uba70, \ub9cc 55\uc138 \uc774\uc804\uc5d0\ub294 \uc6d0\uce59\uc801\uc73c\ub85c \uc5f0\uae08\uc744 \uc218\ub839\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub530\ub77c\uc11c \uc774\ub7ec\ud55c \uc7a5\uc810\uacfc \uc81c\uc57d\uc744 \ud568\uaed8 \uc774\ud574\ud558\uace0 \uc7a5\uae30 \ubcf4\uc720\ub97c \uc804\uc81c\ub85c \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_%ED%87%B4%EC%A7%81%EA%B8%88%EA%B3%BC_%EC%95%88%EC%A0%84%EC%9E%90%EC%82%B0_IRP%EB%A1%9C_%EC%B1%99%EA%B8%B0%EB%8A%94_%EB%B2%95\"><\/span><strong>3. \ud1f4\uc9c1\uae08\uacfc \uc548\uc804\uc790\uc0b0, IRP\ub85c \ucc59\uae30\ub294 \ubc95\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-large wp-image-576\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-1024x765.jpg\" alt=\"IRP, IRP \uacc4\uc88c, \uc5f0\uae08\uc800\ucd95, \uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0, ETF, \uc548\uc804\uc790\uc0b0, \ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804\" width=\"1024\" height=\"765\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-1024x765.jpg 1024w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-300x224.jpg 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-768x573.jpg 768w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-1536x1147.jpg 1536w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-2048x1529.jpg 2048w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-900x672.jpg 900w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_3-500x373.jpg 500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>IRP\ub294 \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc744 \ub54c\ub3c4 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc65c \ud1f4\uc9c1\uae08\ubd80\ud130 \uc774 \uacc4\uc88c\ub85c \ucc59\uaca8\uc57c \ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc704\ud5d8\uc790\uc0b0 \ud55c\ub3c4 \uc548\uc5d0\uc11c \uc5b4\ub5bb\uac8c \uc790\uc0b0\uc744 \ubc30\ubd84\ud558\uba74 \uc88b\uc744\uc9c0 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%ED%87%B4%EC%A7%81%EA%B8%88%EC%9D%84_%EB%B0%9B%EC%9C%BC%EB%A9%B4_%EC%99%9C_IRP%EB%B6%80%ED%84%B0_%EC%B1%99%EA%B2%A8%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\"><\/span><strong>1) \ud1f4\uc9c1\uae08\uc744 \ubc1b\uc73c\uba74 \uc65c IRP\ubd80\ud130 \ucc59\uaca8\uc57c \ud558\ub098\uc694?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ub9cc 55\uc138 \ubbf8\ub9cc \uc0c1\ud0dc\ub85c \ud1f4\uc9c1\uae09\uc5ec\ub97c \ubc1b\ub294\ub2e4\uba74 \uc6d0\uce59\uc801\uc73c\ub85c IRP \uacc4\uc88c\ub85c \uc774\uc804\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\ub9cc \ud1f4\uc9c1\uae09\uc5ec\uac00 300\ub9cc\uc6d0 \uc774\ud558\uc778 \uacbd\uc6b0 \ub4f1 \ubc95\ub839\uc0c1 \uc608\uc678\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub54c \ud1f4\uc9c1\uc18c\ub4dd\uc138 \uacfc\uc138\ub97c \uc5f0\uae08 \uc218\ub839 \uc2dc\uc810\uae4c\uc9c0 \ubbf8\ub8e8\ub294 <strong>\uacfc\uc138\uc774\uc5f0 \ud6a8\uacfc<\/strong>\ub97c \ub204\ub9b4 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774\ub294 \uc815\ub144\ud1f4\uc9c1\ubfd0 \uc544\ub2c8\ub77c \uc774\uc9c1 \ub4f1\uc73c\ub85c \ud1f4\uc9c1\uae09\uc5ec\ub97c \uc218\ub839\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\ub9cc \uc774\ub807\uac8c \uc774\uc804\ubc1b\uc740 \ud1f4\uc9c1\uae08 \uc6d0\uae08 \uc790\uccb4\ub294 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc774 \uc544\ub2c8\ub77c\ub294 \uc810\uc740 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \uacf5\uc81c\ub294 \uc5b4\ub514\uae4c\uc9c0\ub098 \uac1c\uc778\uc774 \ucd94\uac00\ub85c \ub0a9\uc785\ud55c \uae08\uc561\uc5d0\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EC%9C%84%ED%97%98%EC%9E%90%EC%82%B0_70_%ED%95%9C%EB%8F%84_ETF%EB%A1%9C_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%B0%B0%EB%B6%84%ED%95%98%EB%82%98%EC%9A%94\"><\/span><strong>2) \uc704\ud5d8\uc790\uc0b0 70% \ud55c\ub3c4, ETF\ub85c \uc5b4\ub5bb\uac8c \ubc30\ubd84\ud558\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>IRP\ub294 \uc6d0\uce59\uc801\uc73c\ub85c \uc704\ud5d8\uc790\uc0b0(\uc8fc\uc2dd\ud615 ETF\u00b7\ud380\ub4dc \ub4f1) \ud22c\uc790 \ube44\uc911\uc774 \uc804\uccb4 \uc801\ub9bd\uae08\uc758 70% \uc774\ub0b4\ub85c \uc81c\ud55c\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc548\uc804\uc790\uc0b0\uc73c\ub85c\ub294 \ucc44\uad8c\ud63c\ud569\ud615 ETF, TDF(\ud0c0\uac9f\ub370\uc774\ud2b8\ud380\ub4dc), \ub2e8\uae30\uae08\ub9ac\ud615(CD\u00b7KOFR) ETF, \uc608\uae08\uc131 \uc0c1\ud488 \ub4f1\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc704\ud5d8\uc790\uc0b0 \ube44\uc911\uc774 70%\ub97c \ucd08\uacfc\ud558\uba74 \ucd08\uacfc\ubd84\ub9cc\ud07c \ucd94\uac00 \ub9e4\uc218\uac00 \uc81c\ud55c\ub418\ubbc0\ub85c, \uc774\ub7f4 \ub54c\ub294 \uc548\uc804\uc790\uc0b0\uc744 \ub9e4\uc218\ud574 \ube44\uc911\uc744 \ub2e4\uc2dc \uc870\uc815\ud574 \uc8fc\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>IRP \uacc4\uc88c\uc5d0\ub294 \uc608\uae08, \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \ub2f4\uc744 \uc218 \uc788\uc73c\uba70, \uc774 \uc911 \uc608\uae08\uc790\ubcf4\ud638 \ub300\uc0c1 \uc0c1\ud488\uc744 \uc6b4\uc6a9\ud560 \uacbd\uc6b0 \uae08\uc735\ud68c\uc0ac\ubcc4\ub85c \ud569\uc0b0\ud574 1\uc778\ub2f9 \ucd5c\ub300 1\uc5b5 \uc6d0\uae4c\uc9c0 \ubcf4\ud638\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacc4\uc88c \uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uae08\uc735\uae30\uad00\ubcc4\ub85c \ucc28\uc774\uac00 \uc788\uc744 \uc218 \uc788\ub294 \ub9cc\ud07c, \ube44\ub300\uba74 \uac1c\uc124 \uc2dc \uc218\uc218\ub8cc \uba74\uc81c \uc870\uac74\ub3c4 \ud568\uaed8 \ud655\uc778\ud574 \ubcf4\uc2dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p><u><a href=\"https:\/\/www.hanaroetf.com\/\" target=\"_blank\" rel=\"noopener\">NH\ud22c\uc790\uc99d\uad8c\uc758<\/a> <\/u><a href=\"https:\/\/www.hanaroetf.com\/\" target=\"_blank\" rel=\"noopener\">ETF \ub77c\uc778\uc5c5 \ud655\uc778\ud558\uae30<\/a><\/p>\n<p><a href=\"https:\/\/www.mynamuh.com\/?utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_IRP\" target=\"_blank\" rel=\"noopener\">\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c IRP \uc2dc\uc791\ud558\uae30<\/a><\/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_IRP%EB%8A%94_%EB%88%84%EA%B5%AC%EB%82%98_%EA%B0%80%EC%9E%85%ED%95%A0_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>Q1. IRP\ub294 \ub204\uad6c\ub098 \uac00\uc785\ud560 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\uc18c\ub4dd\uc774 \uc788\ub294 \ucde8\uc5c5\uc790 \ub4f1\uc774 \uac00\uc785\ud560 \uc218 \uc788\uc73c\uba70, \ud1f4\uc9c1\uae09\uc5ec\ub97c \uc218\ub839\ud558\uae30 \uc704\ud574 \ud65c\uc6a9\ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc9c1\uc7a5\uc778\ubfd0 \uc544\ub2c8\ub77c \uc18c\ub4dd\uc774 \uc788\ub294 \ud504\ub9ac\ub79c\uc11c, \uc790\uc601\uc5c5\uc790\ub3c4 \uac00\uc785 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub2e4\ub9cc \uc18c\ub4dd\uc774 \uc5c6\ub294 \uc8fc\ubd80\ub098 \ud559\uc0dd \ub4f1\uc740 \uc5f0\uae08\uc800\ucd95\uc744 \ud65c\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q2_IRP_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%8A%94_%EC%B5%9C%EB%8C%80_%EC%96%BC%EB%A7%88%EA%B9%8C%EC%A7%80_%EB%B0%9B%EC%9D%84_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>Q2. IRP \uc138\uc561\uacf5\uc81c\ub294 \ucd5c\ub300 \uc5bc\ub9c8\uae4c\uc9c0 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\uc5f0\uae08\uc800\ucd95\uacfc \ud569\uc0b0\ud574 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\ub3c5\uc73c\ub85c\ub9cc \ub0a9\uc785\ud574\ub3c4 900\ub9cc\uc6d0 \uc804\uc561\uc774 \uc778\uc815\ub418\uba70, \uacf5\uc81c\uc728\uc740 \ucd1d\uae09\uc5ec \ub610\ub294 \uc885\ud569\uc18c\ub4dd \uae30\uc900\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q3_IRP%EB%8F%84_%EC%A4%91%EB%8F%84%EC%9D%B8%EC%B6%9C%EC%9D%B4%EB%82%98_%EC%A4%91%EB%8F%84%ED%95%B4%EC%A7%80%EA%B0%80_%EA%B0%80%EB%8A%A5%ED%95%9C%EA%B0%80%EC%9A%94\"><\/span><strong>Q3. IRP\ub3c4 \uc911\ub3c4\uc778\ucd9c\uc774\ub098 \uc911\ub3c4\ud574\uc9c0\uac00 \uac00\ub2a5\ud55c\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\ubb34\uc8fc\ud0dd\uc790\uc758 \uc8fc\ud0dd \uad6c\uc785, \uc694\uc591, \ud30c\uc0b0 \ub4f1 \ubc95\uc815 \uc0ac\uc720\uc5d0 \ud55c\ud574\uc11c\ub9cc \uc911\ub3c4\uc778\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ubc95\uc815 \uc0ac\uc720 \uc678\uc758 \ud615\ud0dc\ub85c \ud574\uc9c0\ud560 \uacbd\uc6b0\uc5d0\ub294 \uacf5\uc81c\ub97c \ubc1b\uc740 \ub0a9\uc785\uae08\uacfc \uc6b4\uc6a9\uc218\uc775\uc5d0 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd80\uacfc\ub418\ub2c8 \uc720\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q4_IRP_%EA%B3%84%EC%A2%8C_%EC%88%98%EC%88%98%EB%A3%8C%EB%8A%94_%EC%96%BC%EB%A7%88%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span><strong>Q4. IRP \uacc4\uc88c \uc218\uc218\ub8cc\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\uacc4\uc88c \uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uae08\uc735\uae30\uad00\ubcc4\ub85c \ucc28\uc774\uac00 \uc788\uc5b4 \uac00\uc785 \uc804 \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub098\ubb34\uc99d\uad8c\uc740 \ud604\uc7ac \uc774\ubca4\ud2b8\ub97c \ud1b5\ud574 \ud1f4\uc9c1\uae08 \uc6b4\uc6a9\u00b7\uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc, \uac1c\uc778 \ub0a9\uc785\uae08 \uc218\uc218\ub8cc, ETF \ub9e4\ub9e4\uc218\uc218\ub8cc \ubc0f \uc99d\uad8c\uac70\ub798\uc138, \uc7a5\ub0b4\ucc44\uad8c \ub9e4\ub9e4\uc218\uc218\ub8cc \ubc0f \uc81c\uc138\uae08\uae4c\uc9c0 0\uc6d0\uc73c\ub85c \uc81c\uacf5\ud558\uace0 \uc788\uc5b4 \uc218\uc218\ub8cc \ubd80\ub2f4 \uc5c6\uc774 \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.mynamuhbegin.com\/irp?utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_IRP\">\ub098\ubb34\uc99d\uad8c IRP \ud61c\ud0dd \ubc14\ub85c \ud655\uc778\ud558\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%97%90%EC%84%9C_%EB%B9%84%EB%8C%80%EB%A9%B4%EC%9C%BC%EB%A1%9C_%EC%8B%9C%EC%9E%91%ED%95%98%EA%B8%B0\"><\/span><strong>4. \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \ube44\ub300\uba74\uc73c\ub85c \uc2dc\uc791\ud558\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-577\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_4.png\" alt=\"IRP, IRP \uacc4\uc88c, \uc5f0\uae08\uc800\ucd95, \uc5f0\uae08\uc800\ucd95 IRP \ucc28\uc774, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0, ETF, \uc548\uc804\uc790\uc0b0, \ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804\" width=\"602\" height=\"428\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_4.png 602w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_4-300x213.png 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/08\/IRP_4-500x355.png 500w\" sizes=\"(max-width: 602px) 100vw, 602px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>\ub098\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub97c \uace8\ub790\ub2e4\uba74 \uc774\uc81c \uc2e4\ud589\ud560 \ub54c\uc785\ub2c8\ub2e4. \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c\ub294 \ube44\ub300\uba74\uc73c\ub85c \uac04\ud3b8\ud558\uac8c \uc5f0\uae08\uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0, \uae30\uc874 \uacc4\uc88c\ub3c4 \uc190\uc27d\uac8c \uc62e\uaca8\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88_%ED%88%AC%EC%9E%90_%EC%88%98%EC%88%98%EB%A3%8C_%EA%B1%B1%EC%A0%95_ZERO\"><\/span><strong>1) \ub098\ubb34\uc99d\uad8c \ud1f4\uc9c1\uc5f0\uae08 \ud22c\uc790, \uc218\uc218\ub8cc \uac71\uc815 ZERO\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c\ub294 \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c \uc6b4\uc6a9\uc5d0 \ub4dc\ub294 \uc8fc\uc694 \uc218\uc218\ub8cc\ub97c \ub300\ubd80\ubd84 \uba74\uc81c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud1f4\uc9c1\uae08 \uc6b4\uc6a9\uacfc \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc\uac00 0\uc6d0\uc774\uba70, \uac1c\uc778 \ub0a9\uc785\uae08\uc5d0 \ub300\ud55c \uc218\uc218\ub8cc\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4. ETF \ub9e4\ub9e4\uc218\uc218\ub8cc\uc640 \uc99d\uad8c\uac70\ub798\uc138, \uc7a5\ub0b4\ucc44\uad8c \ub9e4\ub9e4\uc218\uc218\ub8cc\uc640 \uc81c\uc138\uae08\uae4c\uc9c0 0\uc6d0\uc73c\ub85c \uc81c\uacf5\ud574 \uc5f0\uae08 \uc6b4\uc6a9 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uc77c\ubd80 \ube44\uc6a9 \ubd80\ub2f4\uc744 \ub0ae\ucd9c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>* \uac00\uc785 \uc0c1\ud488\ubcc4 \ud380\ub4dc \ubcf4\uc218 \ub4f1\uc740 \ubc1c\uc0dd \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc218\uc218\ub8cc\ubfd0 \uc544\ub2c8\ub77c \uc548\uc815\uc131 \uce21\uba74\uc5d0\uc11c\ub3c4 \uc120\ud0dd\ud560 \uc774\uc720\uac00 \ucda9\ubd84\ud569\ub2c8\ub2e4. NH\ud22c\uc790\uc99d\uad8c\uc740 \ud55c\uad6d\uae30\uc5c5\ud3c9\uac00 \uae30\uc900 \uc5c5\uacc4 \ucd5c\uace0 \uc218\uc900\uc778 \uc2e0\uc6a9\ub4f1\uae09 AA+*\ub97c 2015\ub144 \uc774\ud6c4 \uc7a5\uae30\uac04 \uc720\uc9c0\ud558\uace0 \uc788\ub294 \uc99d\uad8c\uc0ac\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub354\uc6b1 \uc2e0\ub8b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*2026.03.25 \ud55c\uad6d \uae30\uc5c5\ud3c9\uac00 \uae30\uc900<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%97%90%EC%84%9C_%EB%B9%84%EB%8C%80%EB%A9%B4%EC%9C%BC%EB%A1%9C_%EA%B0%9C%EC%84%A4%ED%95%A0_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>2) \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \ube44\ub300\uba74\uc73c\ub85c \uac1c\uc124\ud560 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uae30\uc874 \uc885\ud569\ub9e4\ub9e4\uacc4\uc88c \ubcf4\uc720 \uc5ec\ubd80\uc640 \ubb34\uad00\ud558\uac8c \uc5f0\uae08\uacc4\uc88c\ub294 \ubcc4\ub3c4 \uac1c\uc124\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc601\uc5c5\uc810 \ubc29\ubb38 \uc5c6\uc774 \ub098\ubb34\uc99d\uad8c \uc571\uc5d0\uc11c\ub3c4 \ubc14\ub85c \uc5f0\uae08\uc800\ucd95\u00b7\uac1c\uc778\ud615IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \uc790\ub3d9\uc774\uccb4 \uc124\uc815\ubd80\ud130 \uc0c1\ud488 \ub9e4\uc218\uae4c\uc9c0 \ubaa8\ub450 \uc571\uc5d0\uc11c \uc9c4\ud589 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\uacfc \uac1c\uc778\ud615IRP \uacc4\uc88c\ub97c \ud568\uaed8 \ub9cc\ub4e4\uc5b4\uc11c \uc138\uc561\uacf5\uc81c \ud55c\ub3c4(600\ub9cc \uc6d0+300\ub9cc \uc6d0)\ub97c \ub098\ub220 \ud65c\uc6a9\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/m.mynamuh.com\/static\/MTXSI0164?utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_IRP\" target=\"_blank\" rel=\"noopener\">\ub098\ubb34\uc99d\uad8c \uc571 \ub2e4\uc6b4\ub85c\ub4dc \ubc1b\uace0 \uacc4\uc88c \uac1c\uc124\ud558\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%EB%8B%A4%EB%A5%B8_%EA%B8%88%EC%9C%B5%EC%82%AC%EC%9D%98_%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88%EB%8F%84_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C%EC%9C%BC%EB%A1%9C_%EC%98%AE%EA%B8%B8_%EC%88%98_%EC%9E%88%EB%82%98%EC%9A%94\"><\/span><strong>3) \ub2e4\ub978 \uae08\uc735\uc0ac\uc758 \ud1f4\uc9c1\uc5f0\uae08\ub3c4 \ub098\ubb34\uc99d\uad8c\uc73c\ub85c \uc62e\uae38 \uc218 \uc788\ub098\uc694?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ub2e4\ub978 \uae08\uc735\uc0ac\uc5d0\uc11c \uc6b4\uc6a9 \uc911\uc778 \ud1f4\uc9c1\uc5f0\uae08(DC\/IRP)\uc740 \ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804 \uc81c\ub3c4\ub97c \ud1b5\ud574 \uc774\uc804\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\ubb3c\uc774\uc804\uc774 \uac00\ub2a5\ud55c \uc0c1\ud488\uc740 \uae30\uc874 \uc0c1\ud488\uc744 \ub9e4\ub3c4\ud558\uc9c0 \uc54a\uace0 \uadf8\ub300\ub85c \uc62e\uae38 \uc218 \uc788\uc5b4 \uc6b4\uc6a9\uc758 \uc5f0\uc18d\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \uc0c1\ud488 \ubc0f \uacc4\uc57d \ud615\ud0dc\uc5d0 \ub530\ub77c \uc2e4\ubb3c\uc774\uc804\uc774 \uc81c\ud55c\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \uc0ac\uc804\uc5d0 \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub098\ubb34\uc99d\uad8c\uc73c\ub85c \uc774\uc804\ud558\ub294 \uc808\ucc28\ub294 \ub2e4\uc74c 3\ub2e8\uacc4\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uac1c\uc778\ud615IRP \uacc4\uc88c \uac1c\uc124<\/strong><\/li>\n<li><strong>\ub098\ubb34 \uc571\uc5d0\uc11c \ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804 \uc2e0\uccad<\/strong><\/li>\n<li><strong>\uc774\uc804 \uc644\ub8cc \ud6c4 \uac70\ub798 \uc2dc\uc791<\/strong><\/li>\n<\/ul>\n<p>\uc774\uc804 \uc2e0\uccad\uc740 \uc62e\uaca8\uac08 \uae08\uc735\uc0ac, \uc989 \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc811\uc218\ud574 \ucc98\ub9ac\ub418\uba70, \uc0c1\ud488\uc5d0 \ub530\ub77c \uc774\uc804\uc774 \uc81c\ud55c\ub420 \uc218 \uc788\uc73c\ub2c8 \uc0ac\uc804 \ud655\uc778 \ubd80\ud0c1\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.mynamuhbegin.com\/transfer?tab=2&amp;utm_source=metric-studio&amp;utm_medium=blog&amp;utm_campaign=namuh_IRP\">\ub098\ubb34\uc99d\uad8c\uc73c\ub85c \uc8fc\uc2dd\u00b7\ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804\ud558\ub294 \ubc29\ubc95<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\ud1f4\uc9c1\uae08\uc744 \uc5b4\ub5bb\uac8c \uc6b4\uc6a9\ud560\uc9c0, \uc5f0\ub9d0\uc815\uc0b0 \ud658\uae09\uacfc \ub178\ud6c4\uc790\uae08 \uc900\ube44\ub97c \uc5b4\ub5bb\uac8c \ud568\uaed8 \ucc59\uae38\uc9c0 \uace0\ubbfc\uc774\uc168\ub2e4\uba74, \uc9c0\uae08\uae4c\uc9c0 \uc0b4\ud3b4\ubcf8 \ub0b4\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \ub450 \uacc4\uc88c \uc911 \ub098\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ubd80\ud130 \uc815\ub9ac\ud574 \ubcf4\uc2dc\uae38 \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \uc18c\ub4dd \uc5ec\ubd80\uc640 \uc790\uae08 \uacc4\ud68d\uc5d0 \ub530\ub77c \ud558\ub098\ub9cc \uc120\ud0dd\ud558\uc154\ub3c4 \uc88b\uace0, \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ucd5c\ub300\ub85c \ud65c\uc6a9\ud558\uace0 \uc2f6\ub2e4\uba74 \ub450 \uacc4\uc88c\ub97c \ud568\uaed8 \uc6b4\uc6a9\ud558\ub294 \uac83\ub3c4 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c\ub294 \uc5f0\uae08\uc800\ucd95\uacfc \uac1c\uc778\ud615IRP \uacc4\uc88c\ub97c \ube44\ub300\uba74\uc73c\ub85c \uac04\ud3b8\ud558\uac8c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778\ud615IRP\ub294 \ud1f4\uc9c1\uc5f0\uae08 \uc2e4\ubb3c\uc774\uc804 \uc81c\ub3c4\ub97c \ud65c\uc6a9\ud558\uba74, \ub2e4\ub978 \uae08\uc735\uc0ac\uc5d0\uc11c \uc6b4\uc6a9 \uc911\uc778 \uc774\uc804 \uac00\ub2a5\ud55c \uc0c1\ud488\uc744 \ub9e4\ub3c4\ud558\uc9c0 \uc54a\uace0 \ub098\ubb34\uc99d\uad8c\uc73c\ub85c \uadf8\ub300\ub85c \uc62e\uaca8\uc62c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \uc218\uc218\ub8cc \ubd80\ub2f4\uc744 \ub0ae\ucd98 \ud61c\ud0dd\uae4c\uc9c0 \ub354\ud574\uc9c4 \ub9cc\ud07c \uc9c0\uae08\uc774 \ubc14\ub85c \ub178\ud6c4 \uc900\ube44\ub97c \uc2dc\uc791\ud558\uae30 \uc88b\uc740 \uc2dc\uc810\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc5f0\uae08\uc800\ucd95\u00b7\uac1c\uc778\ud615IRP \uacc4\uc88c \uac1c\uc124\ud558\uae30<\/strong><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-eb8298ebacb4eca69deab68c-ebb094eba19ceab080eab8b0\" href=\"https:\/\/link.mynamuh.com\/@namuh\/webblog?ad_creative=irp&#038;campaign=260820&#038;og_tag_id=720725815&#038;routing_short_id=6x443h&#038;tracking_template_id=80d2773a3526d2e058f4d97a93e045c3&#038;ad_type=click\" target=\"_blank\" rel=\"noopener\"><span class='mb-text'>\ub098\ubb34\uc99d\uad8c \ubc14\ub85c\uac00\uae30<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<div style=\"line-height: 1.2; font-size: 12px; color: #888888;\">NH\ud22c\uc790\uc99d\uad8c \uc900\ubc95\uac10\uc2dc\uc778 \uc2ec\uc0ac\ud544 2026-1400\ud638(2026-08-14~2026-08-13)\ud22c\uc790 \uc720\uc758\uc0ac\ud56d<br \/>\n[IRP]<br \/>\n\u203b \ud22c\uc790\uc790\ub294 \uae08\uc735\ud22c\uc790\uc0c1\ud488\uc5d0 \uad00\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 \uacfc\uc138 \uae30\uc900 \ubc0f \uacfc\uc138\ubc29\ubc95\uc740 \ud5a5\ud6c4 \uc138\ubc95\uac1c\uc815 \ub4f1\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u203b \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 \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 \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.[\uc5f0\uae08\uc800\ucd95\uacc4\uc88c]<br \/>\n\u203b\uc5f0\uae08\uc800\ucd95 \uac00\uc785 \ud6c4 5\ub144 \uc774\uc0c1 \uc720\uc9c0 \ubc0f 55\uc138 \uc774\ud6c4 \uc5f0\uae08\uc73c\ub85c \uc218\ub839 \uac00\ub2a5(\ud1f4\uc9c1\uc18c\ub4dd \ub0a9\uc785\ub41c \uacc4\uc88c\uc758 \uacbd\uc6b0 \ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08\uc218\ub839 \uac00\ub2a5) \ud569\ub2c8\ub2e4.<br \/>\n\u203b\uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ub300\uc0c1 \ud55c\ub3c4\ub294 600\ub9cc\uc6d0\uc785\ub2c8\ub2e4.<br \/>\n\u203b\uc5f0\uae08\uc218\ub839 \ud55c\ub3c4 \ub0b4 \uc5f0\uae08 \uc218\ub839 \uc2dc \uc5f0\uae08\uc18c\ub4dd\uc138\ub85c \uc800\uc728\uacfc\uc138\ub418\uba70, \uc5f0\uae08 \uc678 \uc218\ub839 \uc2dc \ud1f4\uc9c1\uc18c\ub4dd\uc138 \ubc0f \uae30\ud0c0\uc18c\ub4dd\uc138\ub85c \uacfc\uc138\ub429\ub2c8\ub2e4.<br \/>\n\u203b\uc5f0\uae08\uacc4\uc88c\uc758 \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 \ubc0f \uacfc\uc138\ubc29\ubc95\uc740 \ud5a5\ud6c4 \uc138\ubc95\uac1c\uc815 \ub4f1\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.[ETF\/\uc5f0\uae08\uc800\ucd95\ud380\ub4dc]<br \/>\n\u203b \ud22c\uc790\uc790\ub294 \uae08\uc735\ud22c\uc790\uc0c1\ud488\uc5d0 \ub300\ud558\uc5ec \uc99d\uad8c\uc0ac\ub85c\ubd80\ud130 \ucda9\ubd84\ud55c \uc124\uba85\uc744 \ubc1b\uc744 \uad8c\ub9ac\uac00 \uc788\uc73c\uba70,<br \/>\n\ud22c\uc790\uc804 (\uac04\uc774)\ud22c\uc790\uc124\uba85\uc11c \ubc0f \uc9d1\ud569\ud22c\uc790\uaddc\uc57d\uc744 \ubc18\ub4dc\uc2dc \uc77d\uc5b4\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<br \/>\n\u203b \uc774 \uae08\uc735\uc0c1\ud488\uc740 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c \ubcf4\ud638\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<br \/>\n\u203b \uae08\uc735\ud22c\uc790\uc0c1\ud488\uc740 \uc790\uc0b0\uac00\uaca9 \ubcc0\ub3d9, \ud658\uc728 \ubcc0\ub3d9, \uc2e0\uc6a9\ub4f1\uae09 \ud558\ub77d \ub4f1\uc5d0 \ub530\ub77c \ud22c\uc790\uc6d0\uae08\uc758 \uc190\uc2e4(0~100%)\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc73c\uba70, \uadf8 \uc190\uc2e4\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \uadc0\uc18d\ub429\ub2c8\ub2e4.<br \/>\n\u203b \uc99d\uad8c\uac70\ub798\ube44\uc6a9, \uae30\ud0c0\ube44\uc6a9\uc774 \ucd94\uac00\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n&#8211; \uad6d\ub0b4 ETF \ub9e4\ub9e4 \uc2dc \uc218\uc218\ub8cc \uc628\ub77c\uc778 0.01%~0.50%, \uc624\ud504\ub77c\uc778 0.40%~0.50% (\uc18c\uc218\uc810\uc14b\uc9f8\uc790\ub9ac \ubc18\uc62c\ub9bc\uae30\uc900, \uac70\ub798\uae08\uc561\ubcc4 \ub9e4\uccb4\ubcc4 \uc0c1\uc774 , KRX, NXT \ud3ec\ud568)\uc774\uba70 , \uae30\ud0c0 \uc218\uc218\ub8cc\uc5d0 \ub300\ud55c \uc0c1\uc138\ub0b4\uc6a9\uc740 \ud648\ud398\uc774\uc9c0 \ub4f1\uc744 \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4 . \ub125\uc2a4\ud2b8\ub808\uc774\ub4dc \ub294 \uc790\ubcf8\uc2dc\uc7a5\ubc95\uc0c1 \ub2e4\uc790\uac04\ub9e4\ub9e4\uccb4\uacb0\ud68c\uc0ac\ub85c \ub300\uccb4\uac70\ub798\uc18c (ATS: Alternative Trading)\uc785\ub2c8\ub2e4.<\/p>\n<p>[ETF]<br \/>\n\u203b \ud1f4\uc9c1\uc5f0\uae08 \ub0b4 \ub9e4\ub9e4\uc218\uc218\ub8cc\ub294 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc73c\uba70, ETF\ub3c4 \ud380\ub4dc\uc774\ubbc0\ub85c \ubcf4\uc218 \ub4f1 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc885\ubaa9\ubcc4 ETF \ubcf4\uc218\uac00 \uc0c1\uc774\ud558\ubbc0\ub85c \uae30\ud0c0 \uc790\uc138\ud55c \uc0ac\ud56d\uc740 \ud55c\uad6d\uac70\ub798\uc18c \ubc0f \ud574\ub2f9 \uc790\uc0b0\uc6b4\uc6a9\uc0ac \ud648\ud398\uc774\uc9c0\ub97c \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<br \/>\n\u203b \uad6d\ub0b4\uc0c1\uc7a5 \ud574\uc678\uc8fc\uc2dd\ud615 ETF\uc758 \uacbd\uc6b0 \ucc28\uc775\uc5d0 \ub300\ud55c \ubc30\ub2f9\uc18c\ub4dd\uc138\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\uc5f0\uae08 \uacc4\uc88c\ub97c \ucc3e\ub2e4\ubcf4\uba74 \uc54c\uac8c \ub418\ub294 IRP\uc640 \uc5f0\uae08\uc800\ucd95, \uc5b4\ub5bb\uac8c \ub2e4\ub974\uace0 \ubb34\uc5c7\uc774 \ub354 \uc88b\uc744\uae4c\uc694? \uc0c1\ud669\uc5d0 \ub530\ub77c \uc120\ud0dd\ud560 \uc218 \uc788\ub3c4\ub85d \uc138\uc561\uacf5\uc81c \ub4f1 \uae30\uc900\uc5d0 \ub9de\ucdb0 \ucd1d\uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":574,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[53,125,126,129,131,127,128,130,132],"class_list":["post-573","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","tag-etf","tag-irp","tag-irp-","tag-129","tag-131","tag-127","tag--irp-","tag-130","tag-132","col-md-6 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