{"id":22450,"date":"2020-04-06T10:53:51","date_gmt":"2020-04-06T10:53:51","guid":{"rendered":"https:\/\/adamfayed.com\/?p=22450"},"modified":"2024-04-12T05:56:37","modified_gmt":"2024-04-12T05:56:37","slug":"%ec%84%b8%ec%9d%b4%eb%b9%99-%ed%94%8c%eb%9e%9csavings-plans%eb%b0%8f-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ec%b1%84%ea%b6%8cportfolio-bonds%eb%a6%ac%eb%b7%b0","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/wealth-asset-management\/%ec%84%b8%ec%9d%b4%eb%b9%99-%ed%94%8c%eb%9e%9csavings-plans%eb%b0%8f-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ec%b1%84%ea%b6%8cportfolio-bonds%eb%a6%ac%eb%b7%b0\/","title":{"rendered":"\uc138\uc774\ube59 \ud50c\ub79c(PLANES DE AHORRO)\ubc0f \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc44\uad8c(BONOS DE CARTERA)\ub9ac\ubdf0"},"content":{"rendered":"\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 \ud22c\uc790 \uc218\uc775\uc744 \uc5bb\uae30 \uc704\ud574 \ud22c\uc790\ub97c \ud569\ub2c8\ub2e4. \uc740\ud589\uc5d0 \ub3c8\uc744 \ubb35\ud600\ub450\ub294 \uac83\ubcf4\ub2e4\ub294 \ud6e8\uc52c \ud604\uba85\ud55c \uc120\ud0dd\uc774\uae34 \ud558\uc9c0\ub9cc, \ubaa8\ub4e0 \ud22c\uc790 \uc0c1\ud488\uc774 \uac19\uc9c0\ub294 \uc54a\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc138\uc774\ube59 \ud50c\ub79c(\uc5ed\uc678 \uc801\ub9bd\uc2dd \uc138\uc774\ube59 \ud50c\ub79c)\uacfc \uc5ed\uc678 \ucc44\uad8c\uc744 \uc608\ub85c \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud574\uc678 \uac70\uc8fc\uc790\ubd84\ub4e4\uc774 \uac00\uc7a5 \ub9ce\uc774 \uc120\ud0dd\ud558\ub294 \uc0c1\ud488 \uc911 \ud558\ub098\uac00 \uc138\uc774\ube59 \ud50c\ub79c\uc774\uc9c0\ub9cc, \ub9cc\uc871\ud558\ub294 \ubd84\uc740 \ub9ce\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc800\ub294 \uc5ec\uae30\uc11c, \ubcf4\ud3b8\uc801\uc73c\ub85c \ub9ce\uc774\ub4e4 \uc120\ud0dd\ud558\uc2dc\ub294 \uc138\uc774\ube59 \ud50c\ub79c, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc44\uad8c, \ud574\uc678 \uac70\uc8fc \uc601\uad6d\uc778\ub4e4\uc744 \uc704\ud55c \uc5f0\uae08 \ubc0f \uc5f0\uae08 \uc2e0\ud0c1 \uad00\ub828 \uc0c1\ud488\uc744 \ub9ac\ubdf0\ud558\uace0, \uc9c0\uae08 \uac00\uc9c0\uace0 \uacc4\uc2e0 \uc0c1\ud488\uc5d0 \uadf8\ub300\ub85c \ud22c\uc790\ud574\ub3c4 \uad1c\ucc2e\uc740\uc9c0 \uc544\ub2c8\uba74 \uc5b4\ub5a4 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc88b\uc740\uc9c0 \uc0b4\ud3b4\ubcf4\uace0\uc790 \ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>[\uc544\ub798 \uae00\uc740 \ub3c5\uc790\ub4e4\uc758 \ucd94\uac00 \uc694\uccad\uc744 \ubc18\uc601\ud558\uc5ec \ucd5c\ucd08 \ubc84\uc804\uc5d0 \ube44\ud574 \ub2e4\uc18c \uae38\uc5b4\uc84c\uc2b5\ub2c8\ub2e4.]<\/p>\n\n\n\n<p>\ub9cc\uc77c \uc544\ub798 \ub0b4\uc6a9\uc774 \ub108\ubb34 \ubc29\ub300\ud574\uc11c \ub2e4 \uc77d\uc744 \uc2dc\uac04\uc740 \uc5c6\uc9c0\ub9cc \ud604\uc7ac \ubcf4\uc720\ud558\uc2e0 \uc0c1\ud488\uacfc \uad00\ub828\ud558\uc5ec \ub3c4\uc6c0\uc774 \ud544\uc694\ud558\uc2dc\ub2e4\uba74, \uc774\uba54\uc77c(advice@adamfayed.com,  <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"mailto:koreandesk@adamfayed.com\">koreandesk@adamfayed.com<\/a>) \ub610\ub294 \uba54\uc2dc\uc9c0 \ub4f1 \ud3b8\ud55c \ubc29\ubc95\uc73c\ub85c \uc5f0\ub77d\uc8fc\uc138\uc694. [\ucd5c\ud558\ub2e8 \ucc38\uc870]<\/p>\n\n\n\n<p>\ub2e4\ub978 \uac74 \ubab0\ub77c\ub3c4, \ubb38\uc758 \uc8fc\uc2dc\ub294 \ubd84 \uc0c1\ud669\uc5d0 \uc801\ud569\ud55c \ucd5c\uc801\uc758 \uc194\ub8e8\uc158\uc744 \ub4dc\ub9ac\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud560 \uac83\ub9cc\uc740 \uc57d\uc18d \ub4dc\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>[\uad00\ub828\ub3d9\uc601\uc0c1]<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Expat investment review\" width=\"800\" height=\"450\" src=\"https:\/\/www.youtube.com\/embed\/9gjk_EnlfRc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc138\uc774\ube59 \ud50c\ub79c\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/p>\n\n\n\n<p>\ub300\ub2e4\uc218\ub294 \uc7ac\ubb34 \uc124\uacc4\uc0ac\ub098 \uc740\ud589 \ub4f1 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \ubcf4\ud5d8 \uad00\ub828 \ud22c\uc790 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uac00\ub839, \uc0ac\ub9dd \uc2dc \uc6d0\uae08\uc758 101%\ub97c \ubc1b\uac8c \ub418\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. 10\ub9cc \ub2ec\ub7ec\ub97c \ud22c\uc790\ud558\uc168\ub2e4\uba74, \uc0ac\ub9dd \uc2dc \uac00\uc871\ub4e4\uc5d0\uac8c 10\ub9cc 1\ucc9c\ub2ec\ub7ec\uac00 \uc9c0\uae09\ub420 \uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubcf4\ud1b5 \uc774\ub7ec\ud55c \uc0c1\ud488\uc758 \uacbd\uc6b0 \ub0a9\uc785 \uae30\uac04\uc744 \ub450\uac8c \ub418\ub294\ub370, \ucd5c\uc18c 5\ub144\uc5d0\uc11c \ucd5c\ub300 25~30\ub144\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\uc0c1\uc801\uc73c\ub85c \ud574\uc678 \uac70\uc8fc\uc790\ubd84\ub4e4\uc740 \uc8fc\ub85c 2~30\ub144\uc744 \uac00\uc7a5 \ub9ce\uc774 \uc120\ud0dd\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uc0c1\ud488\ub4e4\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ub9e8\uc12c(Isle of Man), \uc800\uc9c0\uc12c(Jersey), \ucf00\uc774\ub9e8 \uc81c\ub3c4(Cayman Islands), \ubc84\ubba4\ub2e4(Bermuda), \ud478\uc5d0\ub974\ud1a0\ub9ac\ucf54(Puerto Rico), \uac74\uc9c0\uc12c(Guernsey) \ubc0f \uadf8 \uc678 \uc5ec\ub7ec \uc5ed\uc678 \uc9c0\uc5ed\uc5d0\uc11c \uc870\uc131\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uc810\uc774 \ubb38\uc81c\ub420 \ubc14\ub294 \uc544\ub2d9\ub2c8\ub2e4. \ud2b9\ud788 \uae08\uc735 \uc704\uae30 \uc774\ud6c4, \uc5ed\ub0b4\u00b7\uc678\ub97c \uac00\ub9b4 \uac83 \uc5c6\uc774 \ubaa8\ub4e0 \ud22c\uc790 \uc0c1\ud488\uc774 \ubcf4\ub2e4 \uac15\ub825\ud788 \uaddc\uc81c\ub418\uace0 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud574\uc678 \uac70\uc8fc\uc790\ubd84\ub4e4\uc5d0\uac8c(\ubbf8\uad6d\uac70\uc8fc\uc790 \uc81c\uc678) \uc5ed\uc678 \ud22c\uc790\uac00 \ud569\ub9ac\uc801\uc778 \ub610 \ub2e4\ub978 \uc774\uc720\ub294 \uc138\uae08 \uad00\ub828 \ud61c\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c \uc911\uc694\ud55c \uace0\ub824\uc0ac\ud56d\uc740 \uc5ed\ub0b4\uc778\uac00 \uc5ed\uc678\uc778\uac00 \uadf8 \uc9c0\ub9ac\uc801 \uc704\uce58\uac00 \uc544\ub2c8\ub77c, \uc120\ud0dd\ud558\uc2dc\ub294 \ud22c\uc790 \uc0c1\ud488 \uc790\uccb4\uc758 \ub0b4\uc6a9\uacfc \uc870\uac74\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc5b4\ub5a4 \ubd84\ub4e4\uc774 \ud22c\uc790\ud558\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc9c0\ub9ac\uc801 \uc704\uce58\ub97c \ubd88\ubb38\ud558\uace0 \uc804 \uc138\uacc4\uc5d0 \uacc4\uc2e0 \ubd84\ub4e4\uc785\ub2c8\ub2e4. \uc601\uad6d \ubd84\ub4e4\uc774 \uac00\uc7a5 \ub9ce\uace0, \ub2e4\uc74c\uc73c\ub85c \ubd81\uc720\ub7fd \uad6d\uac00, \ud504\ub791\uc2a4, \uc778\ub3c4, \uc911\uad6d, \ud638\uc8fc \ub4f1 \uadf8 \uc678 \ub2e4\uc591\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ud604\uc7ac \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uc138\uc774\ube59 \ud50c\ub79c\uc774 \uc788\ub294\ub370 \ubcc4\ub85c \ub9cc\uc871\uc2a4\ub7fd\uc9c0 \uc54a\ub2e4\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc790\ubb38\uc744 \uad6c\ud558\uc138\uc694. \ud604\uc7ac \ubcf4\uc720\ud558\uace0 \uacc4\uc2e0 \uc0c1\ud488\uc758 \uc870\uac74\uc5d0 \ub530\ub77c\uc11c, \ubcf4\ub2e4 \uc800\ub834\ud55c \ub300\uc548\uc73c\ub85c \ubcc0\uacbd\ud560 \uc218\ub3c4 \uc788\uace0 \uc218\uc218\ub8cc\ub97c \uc904\uc77c \uc218\ub3c4 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uc774 \uae00\uc774 \ub3c4\uc6c0\uc774 \ub418\uae30\ub97c \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc8fc\uc694 \ud22c\uc790\ucc98\/\uc0c1\ud488\uc740 \uc5b4\ub5a4 \uac83\ub4e4\uc774 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\u25cf&nbsp;Generali Vision. \ud604\uc7ac\ub294 \uac74\uc9c0\uc12c\uc758 Upmost Wealth Solutions\uc774 \uc81c\uacf5\ud558\uace0 \uc788\uc5b4\uc11c, \ud1b5\uc0c1 Upmost Vision Plan\uc774\ub77c\uace0 \ubd88\ub9bc.<\/p>\n\n\n\n<p>\u25cf&nbsp;Zurich Vista<\/p>\n\n\n\n<p>\u25cf&nbsp;Platform One Hallmark Savings Plan<\/p>\n\n\n\n<p>\u25cf&nbsp;Friends Provident Premier Advance Savings Plan<\/p>\n\n\n\n<p>\u25cf&nbsp;Hansard Vantage Savings Plan<\/p>\n\n\n\n<p>\u25cf&nbsp;Hansard International Vantage Platinum 11<\/p>\n\n\n\n<p>\u25cf&nbsp;RL360 Insurance Company Limited (RL360) Quantum<\/p>\n\n\n\n<p>\u25cf&nbsp;RL360 Paragon<\/p>\n\n\n\n<p>\u25cf&nbsp;AXA Pulsar<\/p>\n\n\n\n<p>\u25cf&nbsp;Providence Life Compass Account<\/p>\n\n\n\n<p>\u25cf&nbsp;Hansard Infinity Wealth<\/p>\n\n\n\n<p>\u25cf&nbsp;Hansard Infinity Wealth Access&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Premier Trust Global New Horizon<\/p>\n\n\n\n<p>\u25cf&nbsp;Premier Trust Global Premier Provest Principal Protection<\/p>\n\n\n\n<p>\u25cf&nbsp;Premier Trust Global Provest plan<\/p>\n\n\n\n<p>\u25cf&nbsp;Metlife International Wealth Builder<\/p>\n\n\n\n<p>\u25cf&nbsp;HSBC International Wealth Builder Accounts<\/p>\n\n\n\n<p>\u25cf&nbsp;Canada Life Offshore Savings Account<\/p>\n\n\n\n<p>\u25cf&nbsp;Liberty Life\/liberty mutual for <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/best-investment-options-for-south-african-expats-in-2021-and-what-is-the-new-expat-tax\/\" title=\"expats in South Africa\" data-wpil-keyword-link=\"linked\">expats in South Africa<\/a>.<\/p>\n\n\n\n<p>\u25cf&nbsp;The FlexGlobal international savings plan<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc774 \ud50c\ub79c\ub4e4\uc740 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ud310\ub9e4\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8 \uc911\uc5d0\uc11c\ub3c4 \uc8fc\uc694 \uc9c0\uc5ed\uc740 \uc2f1\uac00\ud3ec\ub974, \ud64d\ucf69, \ub450\ubc14\uc774, \uc544\ubd80\ub2e4\ube44, \uce74\ud0c0\ub974, \uc554\uc2a4\ud14c\ub974\ub2f4, \uc0c1\ud574, \ud0dc\uad6d(\ud2b9\ud788 \ubc29\ucf55), \ucfe0\uc54c\ub77c\ub8f8\ud478\ub974, \uc790\uce74\ub974\ud0c0, \ud638\uce58\ubbfc, \uc2a4\ud398\uc778, \ud504\ub791\uc2a4, \ub3c4\ucfc4, \ub0a8\uc544\ud504\ub9ac\uce74, \uc11c\uc6b8, \ub3c5\uc77c, \uc2a4\uc704\uc2a4 \ubc0f \ube0c\ub93c\uc140\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubfd0\ub9cc \uc544\ub2c8\ub77c expat\uc218\uac00 \uc99d\uac00\ud558\uace0 \uc788\ub294 \uce84\ubcf4\ub514\uc544 \ud504\ub188\ud39c, \ud544\ub9ac\ud540 \ub9c8\ub2d0\ub77c, \ub77c\uc624\uc2a4, \uc778\ub3c4 \ubc0f \uadf8 \uc678 \uc218 \ub9ce\uc740 \uac1c\ubc1c\ub3c4\uc0c1\uad6d\uc5d0\uc11c\ub3c4 \ud310\ub9e4\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc0c1\uae30 \ud68c\uc0ac\ub4e4\uacfc \uc5f0\uacc4\ub41c \uac70\uce58\uc2dd \ud22c\uc790 \uc0c1\ud488\uc740 \ud2b9\ud788 \uc601\uad6d \ud574\uc678\uac70\uc8fc\uc790\ub4e4 QROPS\uc5f0\uae08\uc774\ub098 SIPPS\uacfc \uad00\ub828\ud558\uc5ec \ud638\uc8fc, \uce90\ub098\ub2e4 \ubc0f \ub274\uc9c8\ub79c\ub4dc\uc5d0\uc11c\ub3c4 \uad11\ubc94\uc704\ud558\uac8c \ud310\ub9e4\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc774 \ud68c\uc0ac\ub4e4\uc774 \ub300\ubd80\ubd84 \ub9e8\uc12c(the Isle of Man)\uc744 \ube44\ub86f\ud55c \uc601\uad6d\ub839 \uc9c0\uc5ed\uc5d0 \uae30\ubc18\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc601\uad6d \ubd84\ub4e4\uc774 \uc0c1\uae30 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uacbd\uc6b0\ub97c \ub9ce\uc774 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc218\uc218\ub8cc\ub294 \uba87%\uc778\uac00\uc694?<\/strong><\/p>\n\n\n\n<p>\uc77c\ubc18\uc801\uc73c\ub85c \uc601\uc5c5 \ubc0f \uad00\ub9ac \ube44\uc6a9\uc744 \uace0\ub824\ud558\uc5ec \uc218\uc218\ub8cc\ub294 \uc120 \uacfc\uae08\ud558\uace0, \ub9cc\uae30 \uc2dc \ubcf4\ub108\uc2a4 \ud615\ud0dc\ub85c \uc77c\uc815 \ubd80\ubd84\uc744 \ub3cc\ub824\ub4dc\ub9bd\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uac00\ub839 10\ub144\uc9dc\ub9ac \ud50c\ub79c\uc5d0 \uac00\uc785\ud55c \uacbd\uc6b0\ub97c \uc608\ub85c \ub4e4\uc5b4\ubd05\uc2dc\ub2e4. 10\ub144, \uc989 120\uac1c\uc6d4 \uc774\uc0c1 \ub0a9\uc785\ud558\ub294 \uacbd\uc6b0, \ucd1d \uc218\uc218\ub8cc\ub294 \uc5f0\uac04 \uc57d 1~2%\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub098\uc058\uc9c0 \uc54a\uc740 \uc218\uc900\uc774\uc8e0. \uadf8\ub7f0\ub370 \ub9cc\uc77c 10\ub144\uc744 \ucc44\uc6b0\uae30 \uc804\uc5d0 \ub0a9\uc785\uc744 \uc911\ub2e8 \ud558\uc2dc\uac8c \ub418\uba74 \uc0ac\uc2e4\uc0c1 \uc218\uc218\ub8cc\ub294 \uc5f0\uac04 \uc57d 4%\uc5d0 \uac00\uae4c\uc6b4 \uc218\uc900\uc774 \ub429\ub2c8\ub2e4. \ub9cc\uae30 \uc2dc \uc9c0\uae09\ub418\ub294 \ubcf4\ub108\uc2a4\uac00 \uc8fc\uc5b4\uc9c0\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub0a9\uc785 \uc720\uc608\ub3c4 \uac00\ub2a5\ud558\uae34 \ud558\uc9c0\ub9cc, \uc138\uc0c1\uc5d0 \uacf5\uc9dc\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc774\ub7f0 \ud50c\ub79c\uc744 \ud1b5\ud574 \ud070 \uc218\uc775\uc744 \uc5bb\uc744\uc218 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc77c\ubd80 \uc18c\uc218\uc758 \ubd84\ub4e4\uc740 \ud070 \uc218\uc775\uc744 \uc5bb\uc2b5\ub2c8\ub2e4. \uac70\uc758 \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 \uc815\ud574\uc9c4 \uae30\uac04 \ub3d9\uc548 \uafb8\uc900\ud788 \ub0a9\uc785\ud55c \ubd84\ub4e4\uc774\ub77c\uace0 \ubcf4\uc2dc\uba74 \ub418\uace0\uc694.<\/p>\n\n\n\n<p>25\ub144\uc9dc\ub9ac \ud50c\ub79c\uc5d0 \uac00\uc785 \ud6c4 \ub9cc\uae30 \uc2dc\uae4c\uc9c0 \uafb8\uc900\ud788 \ub0a9\uc785\ud558\ub294 \ubd84\uc740 3~4%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4. \uc81c\uac00 \ubcf8 \uba87\uba87 \ubd84\ub4e4\uc740 10\ub144\ud639\uc740 15\ub144\uc9dc\ub9ac \ud50c\ub79c\uc744 \ud1b5\ud574 \uc0c1\ub2f9\ud55c \uc218\uc775\uc744 \uac70\ub450\uc2dc\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ub9ce\uc740 \ubd84\ub4e4\uc774 \ucc98\uc74c \uc815\ud55c \uae30\uac04\uc744 \ucc44\uc6b0\uae30\ub3c4 \uc804\uc5d0 \ub0a9\uc785\uc744 \uc911\ub2e8 \ud558\uc2dc\ub294\ub370, \ucd08\uae30 \uba87 \ub144\uac04\uc740 \uc218\uc218\ub8cc\uac00 \ub2e4\uc18c \ub192\ub2e4\uace0 \ub290\uaef4\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub9cc\uae30 \uc2dc\uc5d0 \ubcf4\ub108\uc2a4 \ud615\ud0dc\ub85c \uc77c\ubd80\ubd84\uc774 \ubc18\ud658\ub41c\ub2e4\ub294 \uc810\uc744 \uc544\uc2dc\uac8c \ub418\uba74, \uc774\uc57c\uae30\uac00 \ub2ec\ub77c\uc9c0\uc8e0.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc6b0\ub9ac\ub97c \ud63c\ub780\uc2a4\ub7fd\uac8c \ud558\ub294 \uc810\uc740 \uc218\uc218\ub8cc\uac00 \uc804\uccb4 \uae30\uac04 \ub3d9\uc548 \uc77c\uc815\ud558\uac8c \ucc45\uc815\ub418\ub294 \uac8c \uc544\ub2c8\ub77c\ub294 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, Generali \ud50c\ub79c\uc758 \uacbd\uc6b0, \ucd08\uae30 7~9\ub144 \ub3d9\uc548\uc740\uc218\uc218\ub8cc\uac00 \uad49\uc7a5\ud788 \ub192\uc544\uc11c \uc0ac\uc2e4\uc0c1 \uc11c\ub958\uc0c1\uc73c\ub85c\ub294 \uc218\uc775\uc774 \uac70\uc758 \uc5c6\ub2e4\uace0 \ubcf4\uc77c \uc815\ub3c4\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc 10\ub144\uc774 \ub118\uc5b4\uac00\uac8c \ub418\uba74, \uc218\uc218\ub8cc\uac00 \uae09\uaca9\ud558\uac8c \ub0ae\uc544\uc838\uc11c \ub300\ub7b5 \uc5f0\uac04 0.2%\uc218\uc900\uc5d0 \ubd88\uacfc\ud558\uac8c \ub429\ub2c8\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uadf8 \uc804\uc5d0, \uc989 6~9\ub144 \uc0ac\uc774\uc5d0 \ub0a9\uc785\uc744 \uc911\ub2e8\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc8e0.<\/p>\n\n\n\n<p>\uc77c\ubc18\uc801\uc73c\ub85c, \ub9e4\uc6d4 \ub9c8\ub2e4 \uc5b4\uae40\uc5c6\uc774 \ub0a9\uc785\ud558\uc2e4 \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \uc544\ub2c8\ub77c\uba74, old-school \ud50c\ub79c\uc740 \uc9c0\uc591\ud558\uc2dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ud1b5\uc0c1\uc801\uc778 \uacbd\uc6b0, \uba87 \ub144\uac04 \ub0a9\uc785\uc744 \uc9c0\uc18d\ud558\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\ud1b5\uacc4\uc801\uc73c\ub85c \ubcf4\uc790\uba74 25\ub144 \ub9cc\uae30 \uc0c1\ud488\uc758 \uacbd\uc6b0 \ud3c9\uade0 7\ub144\uc785\ub2c8\ub2e4. \ubcf4\ub2e4 \ub2e8\uae30\uc778 10\ub144 \ub9cc\uae30 \uc0c1\ud488\uc758 \uacbd\uc6b0 \ub9cc\uae30\uc77c\uae4c\uc9c0 \ub0a9\uc785\ud558\uc2dc\ub294 \ubd84\uc758 \ube44\uc911\uc740 \ub354 \ub192\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Zurich Vista\ub098 \uc5ec\ud0c0 \uc720\uc0ac \uc0c1\ud488\uc744 \ub9cc\uae30\uc77c \uc804\uc5d0 \ud574\uc9c0\ud558\uace0\uc790 \ud558\ub294 \ubd84\ub4e4\uc774 \uc788\uc5c8\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\ubb3c\ub860\uc774\uc8e0. \uadf8\ub7f0 \ubd84\ub4e4\uc744 \uad49\uc7a5\ud788 \ub9ce\uc774 \ubd24\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ub0a9\uc785\uc744 \uc911\ub2e8\ud558\uace0 \uc2f6\uc73c\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c\ud558\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc5ec\ub7ec\uac00\uc9c0 \uacbd\uc6b0\uc758 \uc218\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud06c\uac8c \ubcf4\uba74, \uac00\ub2a5\ud55c \ucd5c\ub300 \ud574\uc57d\ubc18\ud658\uae08\uc744 \uccad\uad6c\ud558\ub294 \ubc29\ubc95\uacfc \ub0a9\uc785\uc744 \uc77c\uc2dc\uc815\uc9c0\ud558\ub294 \ubc29\ubc95\uc774 \uc788\ub294\ub370\uc694. \uc794\uc5ec \ub9cc\uae30\uc77c\uc5d0 \ub530\ub77c \ud574\uc57d\ubc18\ud658\uae08\uc740 \ub9e4\uc6b0 \uc801\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_a_saving_moey_is_growing_up._c44d9af0-bc4d-4e19-ab9b-05c8a6dfbd3f-512x512.png\" alt=\"\" class=\"wp-image-72141\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_a_saving_moey_is_growing_up._c44d9af0-bc4d-4e19-ab9b-05c8a6dfbd3f-512x512.png 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_a_saving_moey_is_growing_up._c44d9af0-bc4d-4e19-ab9b-05c8a6dfbd3f-300x300.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_a_saving_moey_is_growing_up._c44d9af0-bc4d-4e19-ab9b-05c8a6dfbd3f-150x150.png 150w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_a_saving_moey_is_growing_up._c44d9af0-bc4d-4e19-ab9b-05c8a6dfbd3f-81x81.png 81w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_a_saving_moey_is_growing_up._c44d9af0-bc4d-4e19-ab9b-05c8a6dfbd3f.png 573w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 25\ub144 \ub9cc\uae30 \uc801\ub9bd\uc2dd(\uc815\uae30 \ub0a9\uc785) \uc0c1\ud488\uc5d0 \uac00\uc785\ud55c\uc9c0 5\ub144\uc774 \uc9c0\ub098 \uc6d0\uae08\uc774 10\ub9cc\ub2ec\ub7ec\ub77c\uace0 \ud574\ubd05\uc2dc\ub2e4. \ub9cc\uae30\uc77c\uae4c\uc9c0\ub294 \uc544\uc9c1 20\ub144\uc774 \ub0a8\uc558\uae30 \ub54c\ubb38\uc5d0 \ud604\uc7ac \uccad\uad6c \uac00\ub2a5\ud55c \ud574\uc57d\ubc18\ud658\uae08\uc740 \ub9e4\uc6b0 \uc801\uc744 \uac83\uc785\ub2c8\ub2e4. \ud55c\ud3b8, \uc6d0\uae08\uc774 \uac19\uc74010\ub9cc \ub2ec\ub7ec\ub77c\uace0 \ud574\ub3c4, 10\ub144 \ub9cc\uae30 \uc0c1\ud488\uc5d0 \uac00\uc785\ud55c\uc9c0 8\ub144\uc774 \uc9c0\ub09c \uacbd\uc6b0\ub77c\uba74, \ud574\uc57d\ubc18\ud658\uae08\uc740 \uc6d0\uae08\uc758 90% \uc774\uc0c1\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub450 \ubc88\uc9f8 \uc120\ud0dd\uc9c0\ub294 \ud328\ub110\ud2f0 \uc5c6\uc774 \uccad\uad6c \uac00\ub2a5\ud55c \ucd5c\ub300 \ud574\uc57d\ubc18\ud658\uae08\uc744 \uccad\uad6c\/\uc778\ucd9c\ud558\uc5ec \ubcf4\ub2e4 \uc0dd\uc0b0\uc801\uc778 \ubc29\ubc95\uc73c\ub85c \uc7ac\ud22c\uc790\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub9c8\uc9c0\ub9c9 \uc120\ud0dd\uc9c0\ub294 \ub0a9\uc785\uc744 \uc911\ub2e8\ud558\ub418 \uc6d0\uae08\uc740 \ubcf4\uc720\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ub0a9\uc785\uc744 \uc911\ub2e8\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc5b4\ub5a4 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud588\ub294\uc9c0 \ub4f1 \uc5ec\ub7ec \uc694\uc778\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uc77c\ub960\uc801\uc73c\ub85c \ub9d0\uc500\ub4dc\ub9ac\uae30\ub294 \uc5b4\ub835\uc2b5\ub2c8\ub2e4\ub9cc, \ud06c\uac8c \ubcf4\uba74 \uc190\uc2e4\uc744 \ubcf4\uac70\ub098, \uc190\uc775\ubd84\uae30\uc810\uc5d0 \uba38\ubb34\ub974\uac70\ub098, \ucd5c\ub300 \uc5f0 4%\uc815\ub3c4\uc758 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc22b\uc790 \uac8c\uc784\uc774\uc8e0. \uc608\ub97c \ub4e4\uc5b4, \uc2dc\uc7a5\uc5d0\uc11c 8~9%\uc815\ub3c4\uc758 \uc218\uc775\uc774 \ub098\uace0 \uc788\ub2e4\uace0 \ud55c\ub2e4\uba74, \ub0a9\uc785\uc744 \uc911\ub2e8\ud574\uc11c \ube44\uc6a9\uc774 \ucd5c\ub300 \uc5f0 4%\uc774\uc0c1\uc73c\ub85c \uce58\uc19f\ub294\ub2e4\uace0 \ud574\ub3c4 \ud22c\uc790\ucc98\uc5d0 \ub530\ub77c \ud574\ub2f9 \uacc4\uc88c\ub294 \uc5ec\uc804\ud788 \ub300\ub7b5 4%\uc815\ub3c4 \uc218\uc775\uc744 \uac70\ub458 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc774\ub7f0 \uacbd\uc6b0,  \ub300\ub2e4\uc218 \uc0ac\ub78c\ub4e4\uc774 \uc800\uc9c0\ub974\ub294 \uac00\uc7a5 \ud070 \uc2e4\uc218\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/p>\n\n\n\n<p>\ud754\ud788 \u2018\uc190\uc2e4\ud68c\ud53c\uc131\ud5a5\u2019 \uc774\ub77c\uace0 \ud558\ub294 \uc2ec\ub9ac\ud559\uc801 \uc694\uc778\uc5d0 \ub530\ub978 \uc2e4\uc218\uc785\ub2c8\ub2e4. \uc0ac\ub78c\ub4e4\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc774\ub4dd\ubcf4\ub2e4 \uc190\uc2e4\uc5d0 \ub354 \ubbfc\uac10\ud558\ub2e4\ub294 \uac83\uc778\ub370\uc694. \uc774\ub294 \uc560\ucd08\uc5d0 \ud22c\uc790\ub97c \uc2dc\uc791\ud558\uae30 \ub450\ub824\uc6cc\ud558\ub294 \uc774\uc720 \uc911 \ud558\ub098\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub2e4\uc6b0 \uc874\uc2a4 \uc9c0\uc218\uac00 \uc9c0\ub09c 1900\ub144 66\uc5d0\uc11c \ucd5c\uadfc 26,800 \uc774\uc0c1\uc73c\ub85c, \uc989 \uc5f0\ud3c9\uade0 \uc57d10% \uc0c1\uc2b9\ud574\uc628 \uac83\uc774 \uc0ac\uc2e4\uc778\ub370\uc694 \ubd88\uad6c\ud558\uace0 \ub9d0\uc774\uc8e0.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc138\uc774\ube59 \ud50c\ub79c\uacfc \uad00\ub828\ud558\uc5ec \ud1b5\uc0c1\uc801\uc73c\ub85c \ud754\ud788 \uc800\uc9c0\ub974\ub294 \uc2e4\uc218\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u25c6 \ub0a9\uc785\uc744 \uc9c0\uc18d\ud558\uba74\uc11c \uc6d0\ub9ac\uae08\uc774 \ud2b9\uc815 \uc218\uc900\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uae30\ub2e4\ub9ac\uae30\ub9cc \ud558\ub294 \uac83.<\/p>\n\n\n\n<p>\u25c6 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ub300\uc548\uc744 \ud0d0\uc0c9\ud558\ub824\uace0 \ud558\uc9c0 \uc54a\ub294 \uac83.<\/p>\n\n\n\n<p>\u25c6 \ubd88\ud3b8\ud55c \uc9c4\uc2e4\uc744 \ud68c\ud53c\ud558\uace0 \ub208\uacfc \uadc0\ub97c \ub9c9\ub294 \uac83.<\/p>\n\n\n\n<p>\ub54c\uc5d0 \ub530\ub77c\uc11c\ub294 \uc77c\uc2dc\uc801\uc73c\ub85c \uc190\uc2e4\uc744 \uc6a9\uc778\ud558\ub294 \uac83\uc774 \uc774\uc131\uc801\uc73c\ub85c \uc633\uc740 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc6d0\uae08\uc774 10\ub9cc\ub2ec\ub7ec\uc778\ub370, \ud604\uc7ac \uac00\uce58\uac00 8\ub9cc\ub2ec\ub7ec\ub77c\uace0 \ud574\ubd05\uc2dc\ub2e4. \ub2f9\uc7a5 \ud574\uc57d \ud558\ub294 \uacbd\uc6b0 2\ub9cc \ub2ec\ub7ec \uc190\uc2e4\uc744 \ubcf4\uac8c \ub429\ub2c8\ub2e4. \ub9e4\uc6b0 \uace0\ud1b5\uc2a4\ub7ec\uc6b4 \uc77c\uc774\uc8e0.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ub2ec\ub9ac \uc811\uadfc\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5\uc774 \uc9c0\uae08\uae4c\uc9c0\uc758 \ud1b5\uacc4\uc0c1 \ud3c9\uade0 \uc218\uc775\ub960\uc5d0 \ub9de\ucdb0 \uc6c0\uc9c1\uc778\ub2e4\uba74, \uadf8 8\ub9cc \ub2ec\ub7ec\ub294 3\ub144 \ud6c4 10\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc774 \ub420 \uac83\uc774\uace0 10\ub144 \ud6c4\uc5d0\ub294 \uc57d 20\ub9cc 7\ucc9c\ub2ec\ub7ec\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubb3c\ub860, \uc5b4\ub290 \ub204\uad6c\ub3c4 \uc2dc\uc7a5\uc744 \uc815\ud655\ud788 \uc608\uacac\ud560 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uc2dc\uc7a5\uc758 \uc218\uc775\ub960\uc740 \uc9c0\ub09c 9\ub144\uc5ec\uac04 \uc57d 300% \uc131\uc7a5\ud588\uc9c0\ub9cc, \uc9c0\ub09c 2000\ub144\ubd80\ud130 2009\ub144\uae4c\uc9c0\ub294 \uc88b\uc9c0 \uc54a\uc558\ub4ef\uc774 \ub9d0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1b5\uacc4\uc801\uc73c\ub85c \ubcfc \ub54c, \ud5a5\ud6c4 \ub354 \ub098\uc740 \uc218\uc775\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4\uba74 \uc77c\uc2dc\uc801\uc778 \uc11c\ub958\uc0c1 \uc190\uc2e4\uc5d0\ub294 \ub208\uc744 \uac10\ub294 \uac83\uc774 \uc774\uc131\uc801\uc73c\ub85c \uc633\ub2e4\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc870\uae30 \ub0a9\uc785 \uc911\ub2e8 \uc2dc, \uc6d0\ub9ac\uae08\uc744 \ubaa8\ub450 \uc783\uac8c \ub418\ub098\uc694?&nbsp;<\/strong><\/p>\n\n\n\n<p>\ud1b5\uc0c1\uc801\uc73c\ub85c \uc138\uc774\ube59 \ud50c\ub79c\uc740 18\uac1c\uc6d4\uc758 \u2018indemnity period\u2019\ub97c \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc989, \uac00\uc785 18\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \ub0a9\uc785\uc744 \uc911\ub2e8\ud558\uba74 \ub3cc\ub824\ubc1b\uc740 \uc218 \uc788\ub294 \uae08\uc561\uc774 \uc5c6\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. Generali \ud50c\ub79c\uc758 \uacbd\uc6b0, 5\ub144 \ud50c\ub79c\uacfc 10\ub144 \ud50c\ub79c \ubaa8\ub450 \uc774 \uae30\uac04\uc774 1\ub144 \ubbf8\ub9cc\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>18\uac1c\uc6d4 \uc774\ud6c4 \ub0a9\uc785\uc744 \uc911\ub2e8\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ub3cc\ub824\ubc1b\uc740 \uc218 \uc788\ub294 \uae08\uc561\uc774 \uc5c6\ub2e4\ub294 \ub9d0\uc740 \uc0ac\uc2e4\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub300\uc2e0, \uace0\uc728\uc758 \uc218\uc218\ub8cc\uac00 \uc218\uc775\ub960\uc744 \ub5a8\uc5b4\ub728\ub9ac\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ud50c\ub79c\uc740 \uc720\uc5f0\ud55c \ud3b8\uc778\uac00\uc694?<\/strong><\/p>\n\n\n\n<p>\ud68c\uc0ac\ub97c \ud1b5\ud574 \uc678\uad6d\uc5d0 \ub098\uac00 \uacc4\uc2e0 \uc8fc\uc7ac\uc6d0\ubd84\ub4e4\uc758 \uacbd\uc6b0 \uc8fc\uc7ac \uae30\uac04\uc774 \uc885\ub8cc\ub41c \ud6c4 \ud0c0 \uad6d\uac00\/\ub3c4\uc2dc\ub85c \uc774\ub3d9 \ud558\uc154\uc57c \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ubd80\ubd84\uc758 \ud50c\ub79c\uc740 \uc774\ub7ec\ud55c \uacbd\uc6b0 \ub9e4\uc6b0 \uc720\uc5f0\ud558\ub2e4\uace0 \ubcfc \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.&nbsp;Indemnity Period\uac00 \uacbd\uacfc\ud588\ub2e4\uba74 \ub0a9\uc785\uc744 \uc911\ub2e8\ud558\uac70\ub098, \ub0a9\uc785\uc561\uc744 \uc870\uc815\ud560 \uc218 \uc788\ub294 \uac83\uc740 \uc0ac\uc2e4\uc785\ub2c8\ub2e4\ub9cc, \uc5b4\ub5a4 \uc120\ud0dd\uc744 \ud558\uc2dc\ub4e0 \uadf8\uc5d0 \ub530\ub978 \uacb0\uacfc\uac00 \uc788\uac8c \ub9c8\ub828\uc785\ub2c8\ub2e4. \ub0a9\uc785\uc561\uc744 \ub0ae\ucd94\uc2dc\uac8c \ub418\uba74 \uc7a0\uc7ac\uc801\uc73c\ub85c \uacb0\uad6d \uc218\uc775\ub960\uc774 \ud558\ub77d\ud558\uac70\ub098 \uc190\uc2e4\uc744 \ubcf4\uc2dc\uac8c \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8 \uc774\uc720\ub294 \uc218\uc218\ub8cc \uad6c\uc870\uac00 \ucd08\uae30 \ub0a9\uc785\uc561\uc5d0 \uae30\ubc18\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc6d4 2\ucc9c \ub2ec\ub7ec \ub0a9\uc785\uc73c\ub85c \uc2dc\uc791\ud558\uc168\ub2e4\uac00 300\ub2ec\ub7ec\ub85c \uc904\uc774\uc2dc\uac8c \ub418\uba74, \uc218\uc218\ub8cc(%)\ub294 \uc5ec\uc804\ud788 2\ucc9c \ub2ec\ub7ec \uae30\uc900\uc73c\ub85c \ucc45\uc815\ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ubaa8\ub4e0 \ud50c\ub79c\uc774 \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \uc791\ub3d9\ud558\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\ube14\ub85c\uadf8\ub97c \ud1b5\ud574\uc11c \ubfd0 \uc544\ub2c8\ub77c \uc9c1\uc811 \ub9cc\ub09c \ubd84\ub4e4\ub85c\ubd80\ud130\ub3c4 \uc774 \uc9c8\ubb38\uc744 \uacf5\ud1b5\uc801\uc73c\ub85c \ubc1b\uace4 \ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\u201c\ub2e4\ub978 \uc138\uc774\ube59 \ud50c\ub79c\ub3c4 \uac19\uc740 \ubc29\uc2dd\uc778\uac00\uc694?\u201d<\/p>\n\n\n\n<p>\uc801\uc5b4\ub3c4 old-school \ud50c\ub79c\ub4e4\uc740 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \ud68c\uc0ac\uc5d0 \ub530\ub77c \uc218\uc218\ub8cc\ub294 \ub2e4\ub974\uc9c0\ub9cc \uacf5\ud1b5\uc801\uc778 \uc0ac\ud56d\ub4e4\uc774 \uc788\ub294\ub370, \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u25c6\uc218\uc218\ub8cc\uac00 \ub192\uc2b5\ub2c8\ub2e4. \uc77c\uc815 \uae30\uac04\uc5d0\ub294 \ud2b9\uc815 \ud68c\uc0ac\uc758 \uc218\uc218\ub8cc\uac00 \ub354 \ub192\uc740 \uacbd\uc6b0\ub3c4 \uc788\uc9c0\ub9cc, \uc804\ubc18\uc801\uc73c\ub85c \ub9e4\uc6b0 \uc720\uc0ac\ud558\ub2e4\uace0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u25c6 \uc815\ud574\uc9c4 \ub0a9\uc785 \uc8fc\uae30\uc5d0 \ub9de\ucdb0 \ub0a9\uc785\ud558\uc9c0 \ubabb\ud560 \uacbd\uc6b0 \uc218\uc218\ub8cc\uac00 \ud2b9\ud788 \ub9e4\uc6b0 \ub192\uc544\uc9d1\ub2c8\ub2e4. \ud574\ub2f9 \uacc4\uc88c\uc758 \uc6b4\uc6a9\uc740 \uae30\ubcf8\uc801\uc73c\ub85c \ub9cc\uae30\uc77c\uae4c\uc9c0 \ub9e4\uc6d4 \ub0a9\uc785\uc774 \ub418\ub294 \uacbd\uc6b0 \uacc4\uc88c \uc6b4\uc6a9 \ube44\uc6a9\uc73c\ub85c \uc9c0\ubd88\ub41c \uae08\uc561 \uc911 \uc77c\ubd80\ub97c \ud658\uae09 \ubc1b\ub294 \ubc29\uc2dd\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. \ub2e8 \ud55c \ubc88\uc774\ub77c\ub3c4 \ub0a9\uc785 \uc8fc\uae30\ub97c \ub193\uce60 \uacbd\uc6b0 \ubcf4\ub108\uc2a4\ub97c \ubc1b\uc9c0 \ubabb\ud560 \ud655\ub960\uc774 \ud06c\uc8e0.<\/p>\n\n\n\n<p>\u25c6 \uc5ec\ub7ec \uac70\uce58\uc2dd \ud22c\uc790 \uc0c1\ud488\uc774\ub098 \uc2e0\uc2dd \ud50c\ub79c\ub4e4\uc5d0 \ube44\ud574 \ud6e8\uc52c \ube44\uc2fc \ud3b8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ub0a9\uc785\uc744 \uc9c0\uc18d\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774\ub77c\ub294\uac8c \uc788\uc744\uae4c\uc694?<\/strong><\/p>\n\n\n\n<p>\ub124 \uc788\uc8e0. 10\ub144 \ub9cc\uae30 \ud50c\ub79c\uc5d0 \uac00\uc785 \ud6c4 110\uac1c\uc6d4\uc774 \uc9c0\ub09c \uc0c1\ud669\uc774\ub77c\uace0 \ud574\ubd05\uc2dc\ub2e4. \uc774 \uacbd\uc6b0 \ub0a8\uc740 10\uac1c\uc6d4 \ub0a9\uc785\uc744 \uc9c0\uc18d\ud558\ub294\uac8c \ubd84\uba85\ud788 \uc774\uce58\uc5d0 \ub9de\uc2b5\ub2c8\ub2e4. \ub9cc\uae30 \uc2dc \ubcf4\ub108\uc2a4\ub97c \ubc1b\uc744 \uac83\uc774\uace0 \uc774\ub85c\uc368 \ud22c\uc790 \ube44\uc6a9\uc744 \uc904\uc77c \uc218 \uc788\uae30 \ub54c\ubb38\uc774\uc8e0. \ub9c8\ucc2c\uac00\uc9c0\ub85c, 5\ub144, 10\ub144 \ud639\uc740 15\ub144 \uac04 \ud22c\uc790\ud574 \uc624\uc168\ub2e4\uba74, \uc794\uc5ec \uae30\uac04 \uc9c0\uc18d\ud560 \uac00\uce58\uac00 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubcf8\uc778\uc758 \uc18c\ub4dd \uc911 \uc801\uc740 \ube44\uc728\ub9cc \ud22c\uc790\ud558\ub294 \uacbd\uc6b0 \ud2b9\ud788 \ub354 \uadf8\ub807\ub2e4\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2f9\uc5f0\ud788 \uc138\ud6c4 \uc6d4 \uc218\uc785\uc774 1\ub9cc \ub2ec\ub7ec\uc778 \uc0ac\ub78c\uc774 3\ucc9c \ub2ec\ub7ec\uc778 \uc0ac\ub78c\ubcf4\ub2e4 \uc6d4 500~1,000\ub2ec\ub7ec\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ub0a9\uc785\ud560 \uc218 \uc788\ub294 \uc5ec\ub825\uc774 \ub354 \ud06c\ub2e4\ub294 \uac83\uc740 \ub204\uad6c\ub098 \ub2e4 \uc54c \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc870\uae30 \ud658\ub9e4 \uc2dc \uc138\uae08\uad00\ub828 \uc774\uc288\uac00 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uacbd\uc6b0\uc5d0 \ub530\ub77c \uc774\uc288\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac00\ub839 \ubcf8\uad6d \uc740\ud589 \uacc4\uc88c\uc5d0 \ud070 \uae08\uc561\uc744 \ud55c \ubc88\uc5d0 \uc785\uae08\ud558\ub294 \uacbd\uc6b0, \uc758\ubb38\uc774 \uc81c\uae30\ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uace7 \uc740\ud1f4\ud558\uc2e4 \uc608\uc815\uc774 \uc544\ub2c8\ub77c\uba74, \ub300\uccb4 \ud22c\uc790 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud558\ub294 \uac83\uc774 \ub098\uc744 \uc218 \uc788\ub294 \uc774\uc720 \uc911 \ud558\ub098\uc774\uae30\ub3c4 \ud558\uc8e0.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ucd94\uac00\uc801\uc73c\ub85c \ub4e4\uc5b4\uac00\ub294 \uc544\uc6c3\uc18c\uc2f1 \ube44\uc6a9\uc774 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc77c\ubd80 \uc790\ubb38\uc0ac\ub294 \uace0\uac1d\ub4e4\uc758 \uacc4\uc88c \uad00\ub9ac\ub97c \uc544\uc6c3\uc18c\uc2f1\ud558\uace0 \uc5f0 1%\uc758 \uad00\ub9ac\ube44\ub97c \uccad\uad6c\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, Tilney BestInvest\ub294 \ub9d0\ub808\uc774\uc2dc\uc544, \uce84\ubcf4\ub514\uc544, \ud64d\ucf69, \ud0dc\uad6d, \uce74\ud0c0\ub974 \ubc0f \uc911\uad6d \ub4f1\uc9c0\uc5d0\uc11c \ub110\ub9ac \uc774\uc6a9\ub418\ub294\ub370, W1 Investment Group \ubc0f Infinity Financial Solutions\uc744 \ud1b5\ud574 \ud310\ub9e4\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ubb38\uc81c\ub294 \uac19\uc740 BestInvest\uc5d0 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\ub77c \ud574\ub3c4 \uc601\uad6d \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud558\ub294 \uacbd\uc6b0\uc640 \uc5ed\uc678 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud558\ub294 \uacbd\uc6b0 \ucc28\uc774\uac00 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc601\uad6d BestInvest\ub97c \ud1b5\ud558\ub294 \uacbd\uc6b0 \ucd5c\ub300 5~10%\uae4c\uc9c0 \uc800\ub834\ud558\uac8c \ub3d9\uc77c\ud55c \ud380\ub4dc\uc5d0 \ud22c\uc790\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6c\uae00\uc5d0\uc11c \u201cbest invest reviews\u201d \ub610\ub294 \u201cTilney Best Invest reviews\u201d \ub4f1\uc744 \uac80\uc0c9\ud574 \ubcf4\uc2dc\uba74 \uc601\uad6dSIPPS \ubc0f \uadf8 \uc678 \uc0c1\ud488\ub4e4\uc5d0 \uad00\ub828\ub41c \ub9ac\ubdf0\ub97c \ub9ce\uc774 \ubcf4\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8 \ubc16\uc5d0 Fry Group\uc758 \uc2f1\uac00\ud3f4 Purple Asset Management, Brewin Dolphin\ub4f1\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uadf8 \uc678 \ub9ce\uc774 \ud310\ub9e4\ub418\ub294 \ubcf4\ud5d8\uad00\ub828 \uc0c1\ud488\uc5d0\ub294 \uc5b4\ub5a4\uac83\ub4e4\uc774 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc5ed\uc678 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc44\uad8c \uc5ed\uc2dc \uad11\ubc94\uc704\ud558\uac8c \ud310\ub9e4\ub418\ub294 \uc0c1\ud488 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc774\ub294 \uac70\uce58\uc2dd \uc0c1\ud488\uc5d0 \ud574\ub2f9\ud558\ub294\ub370 \uc77c\ubc18\uc801\uc73c\ub85c \uae30\uac04\uc740 \uc880 \ub354 \uc9e7\uc544\uc11c 5\ub144 \ub610\ub294 10\ub144 \uc815\ub3c4\ub77c\uace0 \ubcf4\uc2dc\uba74 \ub429\ub2c8\ub2e4. \uc774\ub294 \ud574\uc678\uc5d0 \uac70\uc8fc\ud558\uc2dc\ub294 \uc601\uad6d, \uc544\uc77c\ub79c\ub4dc,\ub124\ub35c\ub780\ub4dc \ub610\ub294 \ubca8\uae30\uc5d0 \ubd84\ub4e4\uc774 \uc5f0\uae08\uc744 \ud574\uc678\ub85c \uc774\uc804\ud558\uc2e4 \ub54c \uc774\uc6a9\ub418\uae30\ub3c4 \ud558\ub294\ub370\uc694. \uad49\uc7a5\ud788 \uc720\uc6a9\ud558\uac8c \uc6b4\uc601\ub420 \uc218 \uc788\uc5b4\uc11c \uccab \ub0a0\uc774\ub77c\uace0 \ud574\ub3c4 \ud328\ub110\ud2f0 \uc5c6\uc774 \uc6d0\uae08\uc758 \uc57d 70% \ud639\uc740 \uadf8 \uc774\uc0c1\uc744 \uc778\ucd9c\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ud68c\uc0ac \ubc0f \uc0c1\ud488\uba85\uc744 \uc54c\ub824\uc8fc\uc138\uc694.<\/strong><\/p>\n\n\n\n<p>\uc8fc\ub85c \ud310\ub9e4\ub418\ub294 \uc0c1\ud488 \uc911 \uc77c\ubd80\ub294 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u25cf&nbsp;Friends Provident International Reserve Investment Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Friends Provident Summit Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Friends Provident International Zenith<\/p>\n\n\n\n<p>\u25cf&nbsp;Generali Worldwide Choice Account<\/p>\n\n\n\n<p>\u25cf&nbsp;Generali Worldwide Professional Portfolio Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Hansard International Capital Investment Bond<\/p>\n\n\n\n<p>\u25cfOld Mutual (used to be called Skandia) Collective Investment Bond<\/p>\n\n\n\n<p>\u25cfOld Mutual (used to be called Skandia) Collective Redemption Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Old Mutual (used to be called Skandia) Executive Redemption Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;RL360 Pims<\/p>\n\n\n\n<p>\u25cf&nbsp;RL360 Oracle<\/p>\n\n\n\n<p>\u25cf&nbsp;Investors Trust Access Portfolio<\/p>\n\n\n\n<p>\u25cf&nbsp;Investors Trust Fixed Income Portfolio<\/p>\n\n\n\n<p>\u25cf&nbsp;AXA Evolution Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Providence Life Horizon Portfolio Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Providence Life Orbit Portfolio Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Providence Life Polaris Portfolio Bond<\/p>\n\n\n\n<p>\u25cf&nbsp;Premier Trust Global Premier<\/p>\n\n\n\n<p>\u25cf&nbsp;Canada Life Wealth Preservation Account<\/p>\n\n\n\n<p>\u25cf&nbsp;Prudential International Portfolio Bond<\/p>\n\n\n\n<p>\uc77c\ubd80 \ub300\ud615 \uc740\ud589\ub4e4(<a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/what-were-the-hsbc-expat-explorer-surveys-top-2021-countries\/\"   title=\"HSBC Expat\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"638\">HSBC Expat<\/a>, Standard Bank, Santander International Swissquote, Santander International, Lloyds International, Nedbank Private Wealth \ubc0f Barclays International \ub4f1) \uc5ed\uc2dc \uc5ec\ub7ec \uc0c1\ud488\/\ud380\ub4dc\ub4e4\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc44\uad8c\uacfc\ub294 \ub2e4\uc18c \uc0c1\uc774\ud55c \uc720\ud615\uc758 \uac70\uce58\uc2dd \uc0c1\ud488\uc778 \uacbd\uc6b0\uac00 \ub9ce\uc740\ub370, \uc218\uc218\ub8cc\ub294 \ub354 \ub192\uc740 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>Standard Bank\uc5d0\ub294 Quantum\uc2dc\ub9ac\uc988 \uc0c1\ud488\uc774 \uc788\ub294\ub370, Standard Bank Quantum Plus 10, 11, 20 \ubc0f 23 \ubaa8\ub450 \ud574\ub2f9 \uc2dc\ub9ac\uc988\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \uc774\ub294 \uc0c1\ud55c\uc120\uacfc \ud558\ud55c\uc120 \ubaa8\ub450\ub97c \uc81c\ud55c\ud558\uace0\uc790 \ud558\ub294\ub370\uc694. \ub4e3\uae30\uc5d0\ub294 \uad1c\ucc2e\uc740 \uac83 \uac19\uc544\ub3c4, \uc774\ub7ec\ud55c \uc870\uac74\uc774 \uc0ac\uc2e4\uc0c1 \ud22c\uc790\uc790 \ubcf8\uc778\uc740 \uc2e4\uc81c \uc2dc\uc7a5\uc5d0\uc11c \uc2e4\ud604\ub418\ub294 \uc218\uc775\uc5d0 \ube44\ud574 \ub9e4\uc6b0 \ub0ae\uc740 \uc218\uc775\ub9cc \uac00\uc838\uac08 \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc5ed\uc678 \ucc44\uad8c\uc758 \uc218\uc218\ub8cc \ubc0f \ube44\uc6a9<\/strong><\/p>\n\n\n\n<p>\uc77c\ubc18\ud654\ud574\uc11c \ub9d0\ud558\uc790\uba74 \uc5ed\uc678 \ucc44\uad8c \uc218\uc218\ub8cc\ub294 \uc138\uc774\ube59 \ud50c\ub79c\uc758 \uacbd\uc6b0\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ud569\ub9ac\uc801\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uadf8\ub807\ub2e4\uace0 \ud574\uc11c \uc774\ub7ec\ud55c \uc694\uc18c\uac00 \uac00\uc785 \uc2e0\uccad\uc11c\ub098 \uc5ec\ud0c0 \ubb38\uc11c\uc5d0 \ud56d\uc0c1 \ud22c\uba85\ud558\uac8c \uce5c\uc808\ud788 \uc124\uba85\ub418\uc5b4 \uc788\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud558\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c, \uc5ec\ub7ec \uc228\uaca8\uc9c4 \ube44\uc6a9\uc774 \uc218\uc775\ub960\uc744 \uac09\uc544\uba39\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc5f0\uae08\uc744 \uc5ed\uc678\ub85c \uc774\uc804\ud558\uc2dc\ub824\ub294 \ubd84\ub4e4\uc5d0\uac8c \ud574\ub2f9\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc740\ub370, \uc2e0\ud0c1 \ubcf4\uc218\uac00 \uc218\uc775\ub960\uc744 \ub5a8\uc5b4\ub728\ub9b4 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub2e4\uc2dc \ud55c \ubc88 \ub9d0\uc500\ub4dc\ub9ac\uc9c0\ub9cc, \ud2b9\ud788 \ud604 \uacc4\uc88c \uc218\uc775\ub960\uc774 \ub0ae\uc740 \uacbd\uc6b0, \ubcf4\uc720\ud558\uace0 \uacc4\uc2e0 \uc5ed\uc678 \ucc44\uad8c \uacc4\uc88c\uc5d0 \uad00\ud574\uc11c \ubcc4\ub3c4 \uc790\ubb38\uc744 \ubc1b\uc544\ubcf4\uc2dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1b5\uc0c1\uc801\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc44\uad8c\uc740 \ub2e4\uc18c \uaddc\ubaa8\uac00 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc218\uc218\ub8cc\ub97c \ub530\uc838\ubcf4\ub294 \uac83\uc774 \ub2e4\ub978 \uc0c1\ud488\uc5d0 \ube44\ud574 \ud6e8\uc52c \ub354 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uac00\ub839, 50\ub9cc \ub2ec\ub7ec\ub97c \uac70\uce58\uc2dd \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\ub2e4\uace0 \ud574\ubd05\uc2dc\ub2e4. \ud380\ub4dc \uc218\uc218\ub8cc\ub294 \uc5f0 2%, \uc911\uac1c\uc778 \uc218\uc218\ub8cc\ub294 1%, \uadf8\ub9ac\uace0 \ubcf4\ud5d8\uc0ac \uc218\uc218\ub8cc\uac00 \uc788\uaca0\uc8e0. \ub530\ub77c\uc11c \uc2dc\uc7a5 \uc218\uc775\ub960\uc774 8%\uc778 \uacbd\uc6b0 \ud22c\uc790\uc790\ub294 \uc57d 4%\uc758 \uc5f0 \uc218\uc775\ub960\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uad81\uadf9\uc801\uc73c\ub85c, \ub9cc\uc77c \uc5f0 \uc218\uc218\ub8cc\ub97c 0.5~1%\ub9cc \ub0ae\ucd9c \uc218 \uc788\ub2e4\uace0 \ud574\ub3c4, \uc6d0\ub9ac\uae08\uc774 \ubcf5\ub9ac\ub85c \ubd88\uc5b4\ub098\ub294 \uc810\uc744 \uace0\ub824\ud558\uba74 \uc774\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc218\uc775\ub960\uc5d0 \uc5c4\uccad\ub09c \ucc28\uc774\ub97c \uac00\uc838\ub2e4 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcc4\ub85c \ud070 \ucc28\uc774\uac00 \uc544\ub2cc \uac83 \uac19\uc774 \ubcf4\uc774\uc2dc\uc8e0? \ud558\uc9c0\ub9cc \ub9c9\uc0c1 \ub530\uc838\ubcf4\uba74, \uccab \ubc88\uc9f8 \ud574\ub9cc \ubd10\ub3c4 2,500~5,000\ub2ec\ub7ec, \ud5a5\ud6c4 10~15\ub144\uc744 \ubcf4\uba74 \uc57d 10\ub9cc \ub2ec\ub7ec\ub97c \uc808\uac10\ud558\ub294 \ud6a8\uacfc\ub97c \ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2dc\uc7a5 \uc218\uc775\ub960\uc774 \uc0c1\uc2b9\ud560 \uc218\ub85d \uc77c\uc815\ub960\ub85c \ubd80\uacfc\ub418\ub294 \uc218\uc218\ub8cc\ub294 \ub2f9\uc5f0\ud788 \uc0c1\uc2b9\ud558\uae30 \ub54c\ubb38\uc5d0, 1% \uc218\uc218\ub8cc\ub294 \uc561\uc218\ub85c \ub530\uc838\ubcfc \ub54c \uc2dc\uac04\uc774 \uac08\uc218\ub85d \ubd88\uc5b4\ub0a0 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubd80 \uc5ed\uc678 \ucc44\uad8c\uc740 \uac00\ub839 \ud2b8\ub798\ucee4 \ud380\ub4dc(tracker funds)\uc640 \uac19\uc774, \ubcf4\ub2e4 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub294 \ud380\ub4dc \uc635\uc158\ub3c4 \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud604\uc7ac \ubcf4\uc720\ud558\uace0 \uacc4\uc2e0 \ud50c\ub79c\uc758 \ube44\uc6a9\uc744 \ud68d\uae30\uc801\uc73c\ub85c \uc808\uac10\ud560 \uc218 \uc788\ub294 \ubc29\uc548\uc774 \uc788\ub2e4\ub294 \uc758\ubbf8\uc8e0.<\/p>\n\n\n\n<p>\uc5ed\uc678 \ucc44\uad8c\uc740 \uc138\uc774\ube59 \ud50c\ub79c\uacfc \uac19\uc774 \uc7a5\uae30\uc801\uc774\uc9c0 \uc54a\uace0,&nbsp;\ub3d9\uc77c\ud55c \uacc4\uc57d\uc801 \uce21\uba74\uc774 \uc788\uc9c0\ub3c4 \uc54a\uae30 \ub54c\ubb38\uc5d0&nbsp;\ubd88\ub9cc \uc0ac\ud56d\ub3c4 \uc801\uc740 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub294 \uad6c\ub9e4 \ub2f9\uc77c \ud604\uae08\ud654 \ub418\ub294 \ube44\uc911\uc774 70% \uc774\uc0c1\uc774\uba70, 5~8\ub144 \ub0b4\uc5d0 100%\ud604\uae08\ud654 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc5ed\uc678<\/strong><strong>\ucc44\uad8c<\/strong><strong>\ud380\ub4dc<\/strong><\/p>\n\n\n\n<p>\uac00\uc7a5 \ud070 \uc2e4\uc218\ub294 \uc5ed\uc678\ucc44\uad8c\ud380\ub4dc \uc911 \ub108\ubb34 \ud070 \ube44\uc911\uc744 \ube44\uc720\ub3d9\uc131 \ud380\ub4dc\ub85c \ubcf4\uc720\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uac00\ub839 \ud638\uc8fc LM\uacfc \uac19\uc740 \ube44\uc720\ub3d9\uc131 \ud380\ub4dc \uc911 \uc77c\ubd80\ub294 \uc720\ub3d9\uc131 \ubb38\uc81c\ub098 \uc0ac\uae30 \ub4f1\uc73c\ub85c \ud070 \uc190\uc2e4\uc744 \ubcf4\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd5c\uadfc\uc5d0\ub294 \uc5ec\ub7ec \ubcc0\ud654\ub85c \uc778\ud574 \uc5b4\ub4dc\ubc14\uc774\uc800\ub4e4\uc774 \uadf8\ub7ec\ud55c \ube44\uc720\ub3d9\uc131 \ud380\ub4dc\ub97c \uc120\ud0dd\ud558\uae30\ub294 \ub354 \uc5b4\ub835\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucc44\uad8c\uc758 \uc218\uc775\ub960\uc740 \uc5b4\ub5a4 \ud380\ub4dc\ub97c \uc120\ud0dd\ud588\ub294\uc9c0\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uac00\ub839, Old Mutual Executive Investment Bond\ub098 RL360 Pims \ubaa8\ub450 \ub0ae\uc740 \uc218\uc218\ub8cc\uc758 \ud380\ub4dc\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uace0, \uc774\ub294 \uc218\uc775\ub960\uc5d0 \ub9e4\uc6b0 \ud070 \ucc28\uc774\ub97c \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud380\ub4dc \ud604\ud669 \ubc0f \ubcf4\uace0\uc11c\ub294 \uc628\ub77c\uc778\uc5d0\uc11c \ubcf4\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ubd88\ub9cc\uc774 \uc788\uc73c\uba74 \uaddc\uc81c \ub2f9\uad6d\uc5d0 \ubd88\ub9cc\uc744 \uc811\uc218\ud574\uc57c \ud558\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc2dc\uc7a5\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4. \uc720\ub7fd\uc5f0\ud569(EU), \ud64d\ucf69 \ub610\ub294 \uc2f1\uac00\ud3ec\ub974 \ub4f1 \uaddc\uc81c\uac00 \uc5c4\uaca9\ud55c \uc2dc\uc7a5\uc778 \uacbd\uc6b0 \uc88b\uc740 \uacb0\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\ub294 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\ub098, \uc774 \uc5ed\uc2dc \uac00\uc785 \uc2dc \uc5b4\ub5a4 \ubb38\uc11c\uc5d0 \uc11c\uba85\ud588\ub294\uc9c0, \uadf8\ub9ac\uace0 \ubcf8\uc778\uc774 \uc785\uc99d\ud560 \uc218 \uc788\ub294 \ubc14\uac00 \ubb34\uc5c7\uc778\uc9c0\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ubd80\ubd84\uc758 \ud574\uc678 \uc2dc\uc7a5 \uae08\uc735 \uc11c\ube44\uc2a4\ub294 \uc120\uc9c4\uad6d\uc5d0\uc11c\ub9cc\ud07c \uc5c4\uaca9\ud788 \uaddc\uc81c\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud574\ub2f9 \uad6d\uac00 \uaddc\uc81c\ub2f9\uad6d\uc774 \uc678\uad6d\uc778\uc758 \ubd88\ub9cc \uc0ac\ud56d\uc5d0 \ucda9\ubd84\ud55c \uad00\uc2ec\uc744 \uc904 \uac83\uc73c\ub85c \uae30\ub300\ud558\uae30\ub3c4 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c, \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 \uaddc\uc81c \ub2f9\uad6d\uc5d0\uc758 \ubd88\ub9cc \uc811\uc218\ub294 \uadf8\ub9ac \ud6a8\uacfc\uc801\uc774\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ud574\uc678 \uac70\uc8fc\uc790\ub4e4\uc774 \ub9ce\uc774 \uc0ac\uc6a9\ud558\ub294 \uc5ec\ud0c0 \ud50c\ub7ab\ud3fc\uc5d0\ub294 \uc5b4\ub5a4 \uac83\ub4e4\uc774 \uc788\uc744\uae4c\uc694?<\/strong><\/p>\n\n\n\n<p>Interactive Brokers\uc640 Internaxx\uac00 \uac00\uc7a5 \ub9ce\uc774 \uc774\uc6a9\ub418\uba70, \uadf8 \ubc16\uc5d0 \ub110\ub9ac \uc774\uc6a9\ub418\ub294 \ud50c\ub7ab\ud3fc\ub4e4\uc740 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_Two_expats_are_considering_the_papers_in_the_hands_6367a4df-cdc6-4727-a8c5-6bdfbbb71d24-512x512.png\" alt=\"\" class=\"wp-image-72143\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_Two_expats_are_considering_the_papers_in_the_hands_6367a4df-cdc6-4727-a8c5-6bdfbbb71d24-512x512.png 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_Two_expats_are_considering_the_papers_in_the_hands_6367a4df-cdc6-4727-a8c5-6bdfbbb71d24-300x300.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_Two_expats_are_considering_the_papers_in_the_hands_6367a4df-cdc6-4727-a8c5-6bdfbbb71d24-150x150.png 150w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_Two_expats_are_considering_the_papers_in_the_hands_6367a4df-cdc6-4727-a8c5-6bdfbbb71d24-81x81.png 81w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22450_Two_expats_are_considering_the_papers_in_the_hands_6367a4df-cdc6-4727-a8c5-6bdfbbb71d24.png 573w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u25cf&nbsp;DBS Vickers Securities<\/p>\n\n\n\n<p>\u25cf&nbsp;E*trade Financial<\/p>\n\n\n\n<p>\u25cf&nbsp;iFast International<\/p>\n\n\n\n<p>\u25cf&nbsp;<a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/review-articles\/novia-global-review-do-better-options-exist\/\" title=\"Novia Global\" data-wpil-keyword-link=\"linked\">Novia Global<\/a><\/p>\n\n\n\n<p>\u25cf&nbsp;Platform One International<\/p>\n\n\n\n<p>\u25cf&nbsp;Praemium James<\/p>\n\n\n\n<p>\u25cf&nbsp;Raymond James<\/p>\n\n\n\n<p>\u25cf&nbsp;Saxo Capital Markets\/Saxo Bank<\/p>\n\n\n\n<p>\u25cf&nbsp;<a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/ardan-international-review-is-it-worth-it\/\"   title=\"Ardan International\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"639\">Ardan International<\/a><\/p>\n\n\n\n<p>\u25cf&nbsp;Capital Platforms Isle of Man\/Capital International Group<\/p>\n\n\n\n<p>\u25cf&nbsp;Capital Platforms Singapore&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Momentum Wealth Personal Portfolio<\/p>\n\n\n\n<p>\u25cf&nbsp;<a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/moventum-platform-luxembourg-review\/\" title=\"Moventum\" data-wpil-keyword-link=\"linked\">Moventum<\/a> Platform\/Moventum Capital Platform in Luxembourg.<\/p>\n\n\n\n<p>\u25cf&nbsp;Devere Group fund platform.<\/p>\n\n\n\n<p>\u25cf&nbsp;Nucleus platform<\/p>\n\n\n\n<p>\u25cf&nbsp;Aria platform<\/p>\n\n\n\n<p>\uc774\ub4e4 \uc911 \uc77c\ubd80\ub294 \uaf64 \uad1c\ucc2e\uc740 \ud3b8\uc774\uace0, \ub098\uba38\uc9c0\ub294 \uadf8\ub807\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcf4\ub2e4 \uc911\uc694\ud558\uac8c \ubcf4\uc154\uc57c \ud560 \uc810\uc740 \ud574\ub2f9 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ud310\ub9e4\ub418\ub294 \uc0c1\ud488 \uc790\uccb4\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ucc44\uad8c, \uc138\uc774\ube59 \ud50c\ub79c \ubc0f \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ud1b5\uc0c1\uc801\uc73c\ub85c \ud310\ub9e4\ub418\ub294 \ud380\ub4dc\uc5d0\ub294 \uc5b4\ub5a4 \uac83\ub4e4\uc774 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\ud380\ub4dc\uc758 \uacbd\uc6b0, GAM Star Portfolios\uc640 Tilney BestInvest\uac00 \ub450\ubc14\uc774, \uce84\ubcf4\ub514\uc544, \ubc29\ucf55, \ud64d\ucf69, \uc2f1\uac00\ud3ec\ub974 \ubc0f \ucfe0\uc54c\ub77c\ub8f8\ud478\ub974\uc5d0\uc11c \ub9ce\uc774 \ud310\ub9e4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub450 \ud380\ub4dc \ubaa8\ub450 \ub192\uc740 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub098\uc544\uac00, \uc544\ub798 \ud380\ub4dc\ub4e4 \uc5ed\uc2dc \uad11\ubc94\uc704\ud558\uac8c \ud310\ub9e4\ub418\ub294\ub370\uc694. \uc774\ub4e4\uc740 \uc138\uc774\ube59 \ud50c\ub79c \ub4f1\uc744 \ud1b5\ud574 \ud310\ub9e4\ub418\uae30\ub3c4 \ud558\uace0 \ub3c5\ub9bd\uc801\uc778 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \ud310\ub9e4\ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u25cfGuinness funds \u2013 Guinness Global Equity Income and Guinness Global Investors<\/p>\n\n\n\n<p>\u25cf&nbsp;VAM funds, including US microchip growth a and VAM managed funds such as cautious A and B.<\/p>\n\n\n\n<p>\u25cf&nbsp;Commerzbank structured notes<\/p>\n\n\n\n<p>\u25cf&nbsp;Valartis Group<\/p>\n\n\n\n<p>\u25cf&nbsp;Momentum Investment Management.<\/p>\n\n\n\n<p>\u25cf&nbsp;Harmony portfolios, including sterling balanced, sterling growth, usd balanced fund and Euro diversified&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Jumbo Alliance Funds<\/p>\n\n\n\n<p>\u25cf&nbsp;Premier Asset Management plc<\/p>\n\n\n\n<p>\u25cf&nbsp;SAM Group funds<\/p>\n\n\n\n<p>\u25cf&nbsp;Brooks Macdonald strategic growth<\/p>\n\n\n\n<p>\u25cf&nbsp;dvam funds<\/p>\n\n\n\n<p>\u25cf&nbsp;Sanlam funds<\/p>\n\n\n\n<p>\u25cf&nbsp;Various AXA, iShares and BlackRock funds.<\/p>\n\n\n\n<p>\u25cf&nbsp;Franklin Templeton funds&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Pimco bond funds<\/p>\n\n\n\n<p>\u25cf&nbsp;Castlestone low volatility income fund + faang fund<\/p>\n\n\n\n<p>\u25cfSt James Place alternative assets fund; greater European progressive unit trust, balanced portfolio and equity income fund.&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;TAM Asset Management&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;<a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/aria-capital-management-review\/\" title=\"ARIA Capital\" data-wpil-keyword-link=\"linked\">ARIA Capital<\/a> Management&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;NEBA structured notes\/products&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;ABSA Structured Notes<\/p>\n\n\n\n<p>\u25cf&nbsp;Portman structured notes\/products&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Chronus structured notes\/products<\/p>\n\n\n\n<p>\u25cf&nbsp;Cornhill asset management Luxembourg&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Pacific Asset Management&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;Allan Gray South Africa<\/p>\n\n\n\n<p>\u25cf&nbsp;Investec<\/p>\n\n\n\n<p>\u25cf&nbsp;<a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/canaccord-genuity-wealth-management-review\/\" title=\"Canaccord\" data-wpil-keyword-link=\"linked\">Canaccord<\/a> Group fund<\/p>\n\n\n\n<p>\u25cf&nbsp;Rudolf Wolff funds&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;<a class=\"wpil_keyword_link \" href=\"https:\/\/adamfayed.com\/dominion-funds-review\/\" title=\"Dominion Funds\" data-wpil-keyword-link=\"linked\">Dominion Funds<\/a><\/p>\n\n\n\n<p>\u25cf&nbsp;Mariana Capital structured notes&nbsp;<\/p>\n\n\n\n<p>\u25cf&nbsp;IDAD<\/p>\n\n\n\n<p>\u25cf&nbsp;The Hinton Group<\/p>\n\n\n\n<p>\u25cf&nbsp;Jool Life&nbsp;<\/p>\n\n\n\n<p>\uacbd\ud5d8\uc801\uc73c\ub85c \ubcf4\uba74, \uc77c\uc2dc \uc911\ub2e8\ub41c \uc5ec\ub7ec \ud380\ub4dc\ub4e4 \uc5ed\uc2dc \ud310\ub9e4\uac00 \ub418\uc5c8\ub358 \uac83\uc785\ub2c8\ub2e4. (Brandeaux Student Accommodation, LM Investment Management \ub4f1)<\/p>\n\n\n\n<p>\uc77c\ubd80 \ud380\ub4dc\uc758 \uc218\uc775\ub960\uc740 \ub192\uc740 \ubc18\uba74 \ub2e4\ub978 \ud380\ub4dc\uc758 \uc218\uc775\ub960\uc740 \uadf8\ub807\uc9c0 \ubabb\ud55c \ub370\ub294 \uc218 \ub9ce\uc740 \uc774\uc720\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc5ed\uc678\ucc44\uad8c\uacfc \uc5f0\uacc4\ub418\ub294 \uc5f0\uae08 \uc218\ud0c1\uc0ac\ub294 \uc5b4\ub5a4 \uac83\ub4e4\uc774 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc601\uad6d\uc778\ub4e4\uc758 \uacbd\uc6b0, \ubcf4\ud3b8\uc801\uc73c\ub85c \ub9ce\uc774 \uc774\uc6a9\ub418\ub294 SIPPs, QROPS \uc218\ud0c1\uc0ac\ub294 Momentum Pensions, STM Group, Forthplus pensions \uadf8\ub9ac\uace0 the Sovereign Group\uc774\uba70, \uadf8 \ubc16\uc5d0\ub3c4 \uc544\ub798\uc640 \uac19\uc740 \uac83\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u25cf&nbsp;Pantheon Pension Trustees<\/p>\n\n\n\n<p>\u25cf&nbsp;Trireme Pension Services<\/p>\n\n\n\n<p>\u25cf&nbsp;New Zealand Endeavour<\/p>\n\n\n\n<p>\u25cf&nbsp;Hornbuckle Mitchell Group<\/p>\n\n\n\n<p>\u25cf&nbsp;The Concept Group<\/p>\n\n\n\n<p>\u25cf&nbsp;Brooklands Pensions\/IVCM Heritage Pensions Limited<\/p>\n\n\n\n<p>\u25cf&nbsp;Bourse Pension Trustees<\/p>\n\n\n\n<p>\u25cf&nbsp;Baker Tilly Isle of Man\/RSM<\/p>\n\n\n\n<p>\ub300\ubd80\ubd84\uc758&nbsp;\uacbd\uc6b0 \ubcf8\uc778\uc774 \uac00\uc9c4 \ud50c\ub79c\uc5d0 \uc77c\ubd80 \ubcc0\ud654\ub97c \uc8fc\uba74 \uc218\uc218\ub8cc\ub97c \ub0ae\ucda4\uacfc \ub3d9\uc2dc\uc5d0 \uc218\uc775\ub960\uc744 \uac1c\uc120\ud560 \uc218\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ubbf8\uad6d\uc778\ub3c4 \uad6c\ub9e4\ud560 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>2010\ub144\ub3c4\uc5d0 FATCA\ubc95\uc774 \uc81c\uc815\ub418\uae30 \uc804\uc5d0\ub294 \ud574\uc678\uc5d0 \uac70\uc8fc\ud558\ub294 \ubbf8\uad6d \ubd84\ub4e4\ub3c4 \ub2e4\ub978 \uc0ac\ub78c\ub4e4\ucc98\ub7fc \uc5ed\uc678 \ud22c\uc790\ub97c \ud558\ub294 \uac83\uc774 \uad1c\ucc2e\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ud604\uc7ac\ub85c\uc11c\ub294 \ubbf8\uad6d \ubd84\ub4e4\uc5d0\uac8c \uc5ed\uc678 \ud22c\uc790\uac00 \uc0dd\uc0b0\uc801\uc774\ub77c\uace0 \ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ube44\uc0dd\uc0b0\uc801\uc778 \ud22c\uc790\uac00 \uc138\uae08 \ubb38\uc81c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uad6c\uc694.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \ud574\ub2f9 \ud50c\ub79c\uc744 \uc774\ubbf8 \uad6c\ub9e4 \ud558\uc168\ub2e4\uba74, \ub2e4\ub978 \ubd84\ub4e4\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc194\ub8e8\uc158\uc744 \uad6c\ud574\uc11c \ud50c\ub79c\uc744 \ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\uc2e4 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\ud22c\uc790\uc790\ub4e4\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \uc2e4\ud328\ud558\ub294 \uc774\uc720\ub294 \ubb58\uae4c\uc694?<\/strong><\/p>\n\n\n\n<p>\uc77c\uc804\uc5d0 \uc774\ubbf8 \ud0d0\uc695, \ub450\ub824\uc6c0 \ud639\uc740 \uc790\uae30\uc911\uc2ec\uc801\uc774\uace0 \uc790\ub9cc\ud558\ub294 \ud0dc\ub3c4 \ub4f1 \uac10\uc815\uc801 \uc694\uc778\ub4e4\uc774 \uc5b4\ub5bb\uac8c \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uc545\uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc65c \uc77c\ubd80 \ud22c\uc790\uc790\ub4e4\uc740 \ub0ae\uc740 \uc218\uc775\ub960\uc744&nbsp;\uc88b\uc544\ud558\ub294 \uac83\ucc98\ub7fc \ubcf4\uc774\ub294\uc9c0 \uc0b4\ud3b4\ubcf8 \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud754\ud788 \ub098\ud0c0\ub098\ub294 \ubb38\uc81c\ub294 \ud22c\uc790\uc790\uac00 \ubcf8\uc778\uc758 \uacc4\uc88c\uc5d0 \uad00\ub828\ud574\uc11c \uc218\ud559\uc801\uc778 \uacc4\uc0b0\uacfc \ud559\uc220\uc801 \uadfc\uac70\ub97c \ubcf4\uc9c0 \uc54a\uace0 \uac10\uc815\uc801\uc73c\ub85c \ub300\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uad6c\uccb4\uc801\uc778 \uc608\uac00 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\uc544\ub798 \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-embed-wordpress wp-block-embed is-type-wp-embed is-provider-adam-fayed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"gGptj0zhLE\"><a href=\"https:\/\/adamfayed.com\/review-articles\/client-review\/\">Client review\/Testimonial<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Client review\/Testimonial&#8221; &#8212; Adam Fayed\" src=\"https:\/\/adamfayed.com\/review-articles\/client-review\/embed\/#?secret=B8NkAYYwa8#?secret=gGptj0zhLE\" data-secret=\"gGptj0zhLE\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\uc5b4\ub5bb\uac8c \uc5f0\ub77d \ub4dc\ub9b4 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n\n\n\n<p>\u203bEmail: advice@adamfayed.com<\/p>\n\n\n\n<p>\u203bKakao Talk:&nbsp;<\/p>\n\n\n\n<p>\u203bWhatsapp\/ LINE:&nbsp;+81-90-9851-0589&nbsp;<\/p>\n\n\n\n<p>\u203bWeChat: Thefayed2&nbsp;<\/p>\n\n\n\n<p>\u203bLinkedIn : You can add me&nbsp;<a href=\"https:\/\/www.linkedin.com\/in\/adam-fayed-tokyo\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un art\u00edculo traducido de nuestra redacci\u00f3n coreana.<\/p>","protected":false},"author":52,"featured_media":22451,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11618],"tags":[1310,1366,1377,1376,1371,1372,1374,1370,1305,1306,1307,1304,1367,1309,1303],"class_list":["post-22450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-asset-management","tag-etf","tag-1366","tag-1377","tag-1376","tag-1371","tag-1372","tag-1374","tag-1370","tag-1305","tag-1306","tag-1307","tag-1304","tag-1367","tag-1309","tag-1303"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/22450","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=22450"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/22450\/revisions"}],"predecessor-version":[{"id":84999,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/22450\/revisions\/84999"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/22451"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=22450"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=22450"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=22450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}