{"id":22760,"date":"2020-05-18T19:23:58","date_gmt":"2020-05-18T19:23:58","guid":{"rendered":"https:\/\/adamfayed.com\/?p=22760"},"modified":"2025-03-16T09:45:46","modified_gmt":"2025-03-16T09:45:46","slug":"index-funds-etf-tax","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/investment-options\/index-funds-etf-tax\/","title":{"rendered":"\uc778\ub371\uc2a4 \ud380\ub4dc \uc138\uae08, ETF \uc138\uae08"},"content":{"rendered":"<p>\ubcf8\u00a0\uae00\uc5d0\uc11c\ub294\u00a0\uc778\ub371\uc2a4\ud380\ub4dc (index funds), ETF\uc5d0\u00a0\ud22c\uc790\ud558\ub294\u00a0\uacbd\uc6b0\u00a0\ubc1c\uc0dd\ud560\u00a0\uc218\u00a0\uc788\ub294\u00a0\uc138\uae08\uc5d0\u00a0\ub300\ud574\u00a0\ub9d0\uc500\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\u200b<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><strong>\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\u00a0\uac1c\uc694<\/strong><\/h2>\n\n\n\n<p>\u2018<a href=\"https:\/\/adamfayed.com\/it\/investment-options\/index-funds\/\" data-type=\"link\" data-id=\"https:\/\/adamfayed.com\/investment-options\/index-funds\/\">\uc778\ub371\uc2a4\u00a0\ud380\ub4dc(Index Funds)<\/a>\u2019\u00a0\ub610\ub294\u00a0\u2018\uc778\ub371\uc2a4\u00a0\ud2b8\ub798\ucee4(Index Tracker)\u2019\ub780\u00a0\uc2dc\uc7a5\uc758\u00a0\ud2b9\uc815\u00a0\uc9c0\uc218\ub97c\u00a0\ucd94\uc885\ud558\ub3c4\ub85d\u00a0\uace0\uc548\ub41c\u00a0\uc720\ud615\uc758\ud380\ub4dc\uc785\ub2c8\ub2e4.\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub294\u00a0\uc218\ub3d9\uc801\u00a0\ud22c\uc790\uc758\u00a0\ud6a8\uc728\uc801\uc778\u00a0\ud615\ud0dc\ub85c\u00a0\uc798\u00a0\uc54c\ub824\uc838\u00a0\uc788\uace0,\u00a0\uc815\uae30\uc801\uc778\u00a0\uad00\ub9ac\ub97c\u00a0\ud544\uc218\ub85c\u00a0\uc694\ud558\uc9c0\u00a0\uc54a\uc2b5\ub2c8\ub2e4.\u00a0\ub9ce\uc740\u00a0\ud22c\uc790\uc790\ub4e4\uc774\u00a0\ud3ec\ud2b8\ud3f4\ub9ac\uc624\u00a0\ubd84\uc0b0\u00a0\ud6a8\uacfc\ub97c\u00a0\uc704\ud574\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub97c\u00a0\ud65c\uc6a9\ud558\uc8e0.<\/p>\n\n\n\n<p>\ub300\ud45c\uc801\uc73c\ub85c\u00a0\uc798\u00a0\uc54c\ub824\uc9c4\u00a0\uc608\ub294\u00a0S&amp;P 500, Russell 2000, Wilshire 5000\u00a0\ub4f1\uc774\u00a0\uc788\uc2b5\ub2c8\ub2e4.\u00a0<a href=\"https:\/\/adamfayed.com\/it\/review-articles\/charles-schwab-international-review-for-non-us-residents\/\" data-type=\"link\" data-id=\"https:\/\/adamfayed.com\/review-articles\/charles-schwab-international-review-for-non-us-residents\/\">\ucc30\uc2a4\u00a0\uc288\uc651(Charles Schwab)<\/a>,\u00a0<a href=\"https:\/\/adamfayed.com\/it\/how-to-guides\/how-to-invest-in-vanguard-index-funds-in-singapore-dubai-and-other-expat-markets-in-2023\/\" data-type=\"link\" data-id=\"https:\/\/adamfayed.com\/how-to-guides\/how-to-invest-in-vanguard-index-funds-in-singapore-dubai-and-other-expat-markets-in-2023\/\">\ubc45\uac00\ub4dc(Vanguard)<\/a>\u00a0\ub4f1\u00a0\uba87\uba87\u00a0\ud68c\uc0ac\ub4e4\uc740\u00a0\uc2dc\uc7a5\u00a0\uc9c0\uc218\ub4e4\uc758\u00a0\ucd1d\u00a0\uc218\uc775\uc744\u00a0\ucd94\uc885\ud558\ub294\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub97c\u00a0\uc81c\uacf5\ud558\uae30\ub3c4\u00a0\ud569\ub2c8\ub2e4.\u00a0\uac00\ub839\ucc30\uc2a4\u00a0\uc288\uc651\uc740\u00a0equity\u00a0\uc2dc\uc7a5\uc758\u00a0\uc804\uccb4\u00a0\uc2dc\uc7a5\u00a0\uc218\uc775\uc744\u00a0\ucd94\uc885\ud558\ub294\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub97c\u00a0\uc81c\uacf5\ud558\ub294\u00a0\uac83\uc73c\ub85c\u00a0\uc54c\ub824\uc838\u00a0\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc&nbsp;\ub355\ubd84\uc5d0&nbsp;\ud22c\uc790\uc790\ub4e4\uc740&nbsp;\ub2e8\uc21c\ud788&nbsp;\uac1c\ubcc4&nbsp;\uae30\uc5c5\uc758&nbsp;\uc8fc\uc2dd\uc744&nbsp;\ubcc4\uac1c\ub85c&nbsp;\uad6c\ub9e4\ud558\ub294&nbsp;\uac83\uc774&nbsp;\uc544\ub2c8\ub77c&nbsp;\uc218&nbsp;\ub9ce\uc740&nbsp;\uae30\uc5c5\uc758&nbsp;\uc8fc\uc2dd\uc744\ud55c\uaebc\ubc88\uc5d0&nbsp;\uad6c\ub9e4\ud560&nbsp;\uc218&nbsp;\uc788\uac8c&nbsp;\ub418\uc5c8\uc2b5\ub2c8\ub2e4.&nbsp;\ud22c\uc790\ub85c&nbsp;\uc218\uc775\uc744&nbsp;\uc5bb\uace0&nbsp;\uc2f6\uc740&nbsp;\ubd84\uc774\ub77c\uba74,&nbsp;\ucd5c\uace0\uc758&nbsp;\uc804\ub7b5&nbsp;\uc911&nbsp;\ud558\ub098\ub85c&nbsp;\uace0\ub824\ub418\ub294&nbsp;\uac83\uc774\ubc14\ub85c&nbsp;\ud3ec\ud2b8\ud3f4\ub9ac\uc624&nbsp;\ub2e4\ubcc0\ud654\uc778\ub370,&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ucd94\uc885\ud558\ub294&nbsp;\uc9c0\uc218&nbsp;\ub0b4\uc758&nbsp;\uc5ec\ub7ec&nbsp;\ubd84\uc57c\ub97c&nbsp;\ub300\ud45c\ud560&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc5b4\ub290&nbsp;\ud55c&nbsp;\uae30\uc5c5\uc758&nbsp;\uc8fc\uc2dd\uc774&nbsp;\uc544\ub2c8\ub77c&nbsp;\uc5ec\ub7ec&nbsp;&nbsp;\uc720\uac00\uc99d\uad8c\uc758&nbsp;\uac00\uce58\ub97c&nbsp;\ubc18\uc601\ud558\uace0&nbsp;\uc788\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\uc124\uc0ac&nbsp;\uac1c\ubcc4&nbsp;\uae30\uc5c5&nbsp;\uc8fc\uac00\uac00&nbsp;\ud3ed\ub77d\ud558\ub294&nbsp;\uc77c\uc774&nbsp;\ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4&nbsp;\ud06c\uac8c&nbsp;\ud0c0\uaca9\uc744&nbsp;\ubc1b\uc9c0&nbsp;\uc54a\uace0,&nbsp;\ud22c\uc790\uc790\ub4e4\uc774&nbsp;\ud070&nbsp;\uc190\uc2e4\uc744&nbsp;\ubcf4\uc9c0&nbsp;\uc54a\ub3c4\ub85d&nbsp;\ubcf4\ud638\ud560&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubfd0\ub9cc&nbsp;\uc544\ub2c8\ub77c,&nbsp;\ubba4\ucd94\uc5bc&nbsp;\ud380\ub4dc(mutual funds)\uc640&nbsp;\ube44\uad50\ud560&nbsp;\ub54c&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ud1b5\uc0c1&nbsp;\uc218\uc218\ub8cc&nbsp;\uc5ed\uc2dc&nbsp;\ub354&nbsp;\uc800\ub834\ud569\ub2c8\ub2e4.&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc2dc\uc7a5\uc758&nbsp;\uc9c0\uc218\ub97c&nbsp;\ucd94\uc885\ud558\ub3c4\ub85d&nbsp;\uace0\uc548\ub41c&nbsp;\ud380\ub4dc\ub77c\uc11c&nbsp;\uac70\ub798&nbsp;\ud589\uc704\uac00&nbsp;\uad49\uc7a5\ud788&nbsp;\uc801\uac8c,&nbsp;\ud639\uc740&nbsp;\ub54c\ub85c\ub294&nbsp;\uc804\ud600&nbsp;\ud544\uc694\ud558\uc9c0&nbsp;\uc54a\uae30&nbsp;\ub54c\ubb38\uc785\ub2c8\ub2e4.&nbsp;\ubc18\uba74&nbsp;\uc801\uadf9\uc801&nbsp;\ud22c\uc790&nbsp;\uc720\ud615\uc758&nbsp;\ud380\ub4dc\ub294&nbsp;\uacc4\uc18d\ud574\uc11c&nbsp;\uad6c\uc131&nbsp;\uc790\uc0b0\uc744&nbsp;\ub9e4\ub3c4&nbsp;\ub610\ub294&nbsp;\ub9e4\uc218\ud558\uba74\uc11c&nbsp;\ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c&nbsp;\ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\uc2dc\ucf1c\uc57c&nbsp;\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ucd94\uc885\ud558\ub294&nbsp;\uc9c0\uc218\uc5d0&nbsp;\ud3ec\ud568\ub41c&nbsp;\uae30\uc5c5\ub4e4\uc5d0&nbsp;\ud22c\uc790\ud558\ub3c4\ub85d&nbsp;\ub418\uc5b4&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\uc608\ub97c&nbsp;\ub4e4\uc5b4&nbsp;\ub2e4\uc6b0\uc874\uc2a4\uc0b0\uc5c5\ud3c9\uade0\uc9c0\uc218(DJIA, Dow Jones Industrial Average)\ub97c&nbsp;\ucd94\uc885\ud558\ub294&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ub2e4\uc6b0\uc874\uc2a4\uc0b0\uc5c5\ud3c9\uade0\uc9c0\uc218\uc5d0&nbsp;\ud604\uc7ac&nbsp;\ud3ec\ud568\ub41c&nbsp;30\uac1c\ub300\uae30\uc5c5\uc5d0&nbsp;\ud22c\uc790\ud558\ub294&nbsp;\uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc&nbsp;\ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub294&nbsp;\uae30\ubcf8\uc801\uc73c\ub85c&nbsp;\uae30\uc900&nbsp;\uc9c0\uc218\uac00&nbsp;\ubcc0\ub3d9\ub420&nbsp;\ub54c\uc5d0\ub9cc&nbsp;\ubcc0\ud569\ub2c8\ub2e4.&nbsp;\ud558\uc9c0\ub9cc&nbsp;\uacbd\uc6b0\uc5d0&nbsp;\ub530\ub77c\uc11c,&nbsp;\uac00\uc911&nbsp;\uc9c0\uc218\ub97c\ucd94\uc885\ud558\ub294&nbsp;\ud380\ub4dc\ub77c\uba74&nbsp;\ud380\ub4dc&nbsp;\uad00\ub9ac\uc790\ub4e4\uc774&nbsp;\uc9c0\uc218&nbsp;\ub0b4&nbsp;\uac00\uc911\uce58\ub97c&nbsp;\uc720\uc9c0\ud558\uae30&nbsp;\uc704\ud574&nbsp;\uac00\ub054&nbsp;\ubcf4\uc720&nbsp;\uc790\uc0b0\uc758&nbsp;\ube44\uc911\uc744&nbsp;\ub9ac\ubc38\ub7f0\uc2f1\ud558\uae30\ub3c4\ud569\ub2c8\ub2e4.&nbsp;&nbsp;<\/p>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub97c&nbsp;\uad6c\uc131\ud558\ub294&nbsp;\uc790\uc0b0\uc5d0&nbsp;\uc544\uc8fc&nbsp;\ud070&nbsp;\ubcc0\ud654\uac00&nbsp;\ubc1c\uc0dd\ud560&nbsp;\ud655\ub960\uc740&nbsp;\ub9e4\uc6b0&nbsp;\ub0ae\uc73c\uba70,&nbsp;\ud2b9\uc815&nbsp;\uc790\uc0b0\uc774&nbsp;\ud574\ub2f9&nbsp;\uc9c0\uc218\uc5d0\uc11c&nbsp;\ube60\uc9c0\uac8c\ub418\uc5b4&nbsp;\ud3b8\uc785&nbsp;\uc885\ubaa9\uc774&nbsp;\ubcc0\ud558\ub294&nbsp;\uacbd\uc6b0\uac00&nbsp;\uc544\ub2cc&nbsp;\ud55c&nbsp;\ud1b5\uc0c1&nbsp;\uc77c\uc815\ud558\uac8c&nbsp;\uc720\uc9c0\ub429\ub2c8\ub2e4.&nbsp;\ub9ce\uc740&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uacc4\uc88c&nbsp;\uac1c\uc124&nbsp;\uc2dc&nbsp;\ucd5c\uc18c&nbsp;\ud22c\uc790\uae08\uc744&nbsp;\uc694\uad6c\ud558\uba70,&nbsp;\uc218\ubc18\ub418\ub294&nbsp;\ube44\uc6a9&nbsp;\uc5ed\uc2dc&nbsp;\uac01\uac01&nbsp;\uc0c1\uc774\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc218\ub3d9\uc801&nbsp;\uc720\ud615\uc758&nbsp;\ud22c\uc790&nbsp;\uad00\ub9ac\uac00&nbsp;\uc88b\uc740&nbsp;\uc131\uacfc,&nbsp;\uc218\uc775\uc73c\ub85c&nbsp;\uc774\uc5b4\uc9c4\ub2e4\ub294&nbsp;\uc810\uc740&nbsp;\uc7a5\uae30\uac04\uc5d0&nbsp;\uac78\uccd0&nbsp;\uc0ac\uc2e4\ub85c&nbsp;\ud310\uba85\ub418\uc5c8\uc2b5\ub2c8\ub2e4.&nbsp;\ub2e8\uae30\uc801\uc73c\ub85c&nbsp;\ubcf4\uba74&nbsp;\ubba4\uce04\uc5bc&nbsp;\ud380\ub4dc\uc640&nbsp;\uac19\uc740&nbsp;\uc801\uadf9\uc801&nbsp;\uc720\ud615\uc758&nbsp;\ud380\ub4dc\uac00&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ube44\ud574&nbsp;\ube44\uad50\uc801&nbsp;\uc88b\uc740&nbsp;\uc131\uacfc\ub97c&nbsp;\ubcf4\uc77c&nbsp;\uc218\ub3c4&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\ud558\uc9c0\ub9cc&nbsp;SPIVA Scorecard\uac00&nbsp;\uc81c\uc2dc\ud55c&nbsp;\ud1b5\uacc4\uc5d0&nbsp;\uc758\ud558\uba74&nbsp;1\ub144&nbsp;\ub2e8\uc704\ub85c&nbsp;\ubcfc&nbsp;\ub54c&nbsp;\ub300\ud615\uc8fc&nbsp;\ubba4\uce04\uc5bc&nbsp;\ud380\ub4dc&nbsp;\uc911&nbsp;60%&nbsp;\ub300\uac00&nbsp;\uacb0\uacfc\uc801\uc73c\ub85c&nbsp;\ubd24\uc744&nbsp;\ub54c&nbsp;S&amp;P 500\uc5d0&nbsp;\ube44\ud574&nbsp;\ub0ae\uc740&nbsp;\uc131\uacfc\ub97c&nbsp;\ubcf4\uc778&nbsp;\uac83\uc73c\ub85c&nbsp;\ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubc18\uc801\uc73c\ub85c,&nbsp;\ubba4\ucd94\uc5bc&nbsp;\ud380\ub4dc&nbsp;\uc911&nbsp;3\ubd84\uc758&nbsp;1\uc774\uc0c1\uc774&nbsp;\ub2e8\uae30\uc801\uc73c\ub85c\ub294&nbsp;S&amp;P 500&nbsp;\ubcf4\ub2e4&nbsp;\ub098\uc740&nbsp;\uc131\uacfc\ub97c&nbsp;\ubcf4\uc778&nbsp;\uac83\uc73c\ub85c&nbsp;\uc54c\ub824\uc838&nbsp;\uc654\uc2b5\ub2c8\ub2e4.&nbsp;\ub2e4\ub978&nbsp;\uce21\uba74\uc5d0\uc11c&nbsp;\ubcf4\uc790\uba74,&nbsp;\uc801\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub41c&nbsp;\uc790\uc0b0\uc774&nbsp;\uc18c\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub41c&nbsp;\uc790\uc0b0\uc5d0&nbsp;\ube44\ud574&nbsp;\uc774\uc810\uc744&nbsp;\uac00\uc9c4&nbsp;\uac83\uc73c\ub85c&nbsp;\uc99d\uba85\ub41c&nbsp;\uac83\uc785\ub2c8\ub2e4.&nbsp;\uc608\ub97c&nbsp;\ub4e4\uba74&nbsp;\uc911\ud615\uc8fc&nbsp;\ubba4\uce04\uc5bc&nbsp;\ud380\ub4dc\uc758&nbsp;\uc57d&nbsp;85%\uac00&nbsp;1\ub144&nbsp;\uc774\ub0b4\uc758&nbsp;\uae30\uac04\uc744&nbsp;\ubcf4\uc790\uba74&nbsp;S&amp;P mid-cap 400 Growth Index\uc5d0&nbsp;\ube44\ud574&nbsp;\ub192\uc740&nbsp;\uc131\uacfc\ub97c&nbsp;\ubcf4\uc600\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><strong>\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\u00a0\uc7a5\ub2e8\uc810<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\uc7a5\uc810<\/h3>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ud22c\uc790&nbsp;\uc2dc&nbsp;\uc8fc\uc694&nbsp;\uc7a5\uc810\uc740&nbsp;\uc544\ub798\uc640&nbsp;\uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubd84\uc0b0&nbsp;\ud22c\uc790.&nbsp;\ub2e4\ubcc0\ud654:&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ud3ec\ud2b8\ud3f4\ub9ac\uc624&nbsp;\ub2e4\ubcc0\ud654&nbsp;\ud6a8\uacfc\ub97c&nbsp;\uc8fc\ub294&nbsp;\uac83\uc73c\ub85c&nbsp;\uc798&nbsp;\uc54c\ub824\uc838&nbsp;\uc788\uace0,&nbsp;\ud3ec\ud2b8\ud3f4\ub9ac\uc624&nbsp;\ub2e4\ubcc0\ud654&nbsp;\ubc0f&nbsp;\ubd84\uc0b0&nbsp;\ud22c\uc790\ub97c&nbsp;\ud76c\ub9dd\ud558\ub294&nbsp;\ud22c\uc790\uc790\ub4e4\uc5d0\uac8c&nbsp;\uc88b\uc740&nbsp;\uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc800\ube44\uc6a9: <a href=\"https:\/\/www.home.saxo\/en-mena\/learn\/guides\/pricing\/expense-ratio-explained-why-even-a-small-difference-matters\" data-type=\"link\" data-id=\"https:\/\/www.home.saxo\/en-mena\/learn\/guides\/pricing\/expense-ratio-explained-why-even-a-small-difference-matters\" target=\"_blank\" rel=\"noopener\">Expense ratio<\/a>\ub294\u00a0\ud380\ub4dc\uc758\u00a0\uc804\ubc18\uc801\u00a0\uc2e4\uc801\uc5d0\u00a0\uc9c1\uc811\uc801\uc73c\ub85c\u00a0\uc601\ud5a5\uc744\u00a0\uc8fc\ub294\u00a0\uac83\uc73c\ub85c\u00a0\uc54c\ub824\uc838\u00a0\uc788\uc2b5\ub2c8\ub2e4.\u00a0\ube44\uad50\uc801\ub192\uc740\u00a0expense ratio\ub97c\u00a0\ubcf4\uc774\ub294\u00a0actively managed funds\ub294\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\uc5d0\u00a0\ube44\ud574\u00a0\ubd88\ub9ac\ud55c\u00a0\uac83\uc73c\ub85c\u00a0\ud3c9\uac00\ub429\ub2c8\ub2e4. Actively managed funds\ub294\u00a0\ucd1d\u00a0\uc218\uc775\ub960\u00a0\uce21\uba74\uc5d0\uc11c\u00a0\uae30\uc900\uce58\ub97c\u00a0\ub530\ub77c\uac00\uae30\u00a0\ubc85\ucc2c\u00a0\uacbd\uc6b0\uac00\u00a0\ub9ce\uc740\u00a0\ubc18\uba74\uc5d0,\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub294\u00a0\uc2dc\uc7a5\u00a0\uc218\uc775\ub960\uc744\u00a0\ubcf4\ub2e4\u00a0\uc27d\uac8c\u00a0\ucd94\uc885\ud560\u00a0\uc218\uac00\u00a0\uc788\uae30\u00a0\ub54c\ubb38\uc785\ub2c8\ub2e4.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc7a5\uae30\uc801\uc73c\ub85c&nbsp;\ud6e8\uc52c&nbsp;\uc774\ub4dd:&nbsp;\uc804\uc124\uc758&nbsp;\ud22c\uc790\uc790\uc778&nbsp;\uc6cc\ub80c&nbsp;\ubc84\ud54f(Warren Buffett)\uc740&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\ub178\ud6c4&nbsp;\uc900\ube44\ub97c&nbsp;\uc704\ud55c&nbsp;\uc800\ucd95\uc5d0&nbsp;\uc788\uc5b4&nbsp;\ucd5c\uace0\uc758&nbsp;\uc120\ud0dd\uc774\ub77c\uace0&nbsp;\ud3c9\uac00\ud569\ub2c8\ub2e4.&nbsp;\uadf8\uc5d0&nbsp;\ub530\ub974\uba74,&nbsp;\uc77c\ubc18&nbsp;\ud22c\uc790\uc790\ub4e4\uc774&nbsp;\ud22c\uc790\ub97c&nbsp;\ud560&nbsp;\ub54c&nbsp;\uac1c\ubcc4&nbsp;\uc8fc\uc2dd\uc744&nbsp;\uace8\ub77c\uc11c&nbsp;\ub9e4\ub9e4\ud558\uae30&nbsp;\ubcf4\ub2e4\ub294,&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\uc81c\uacf5\ud558\ub294&nbsp;\uc800\ub834\ud55c&nbsp;\uac00\uaca9\uc73c\ub85c&nbsp;S&amp;P 500\uc9c0\uc218\uc5d0&nbsp;\ud3ec\ud568\ub41c&nbsp;\ubaa8\ub4e0&nbsp;\ud68c\uc0ac\ub97c&nbsp;\uc0ac\ub294\uac8c&nbsp;\ud6e8\uc52c&nbsp;\uc774\ub4dd\uc785\ub2c8\ub2e4.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy-and-hold&nbsp;\ud22c\uc790\uc790\ub97c&nbsp;\uc704\ud55c&nbsp;\uc6b0\uc6d4&nbsp;\uc804\ub7b5:&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc8fc\uc2dd\uc744&nbsp;\uc77c&nbsp;\ub2e8\uc704\ub85c&nbsp;\uac70\ub798\ud558\uae30&nbsp;\ubcf4\ub2e4\ub294&nbsp;\ub9e4\uc218\ud55c&nbsp;\ud6c4&nbsp;\uc7a5\uae30\uc801\uc73c\ub85c&nbsp;\ubcf4\uc720\ud558\ub294&nbsp;buy-and-hold&nbsp;\uc804\ub7b5\uc744&nbsp;\uad6c\uc0ac\ud558\ub294&nbsp;\ud22c\uc790\uc790\ub4e4\uc5d0\uac8c&nbsp;\ub354&nbsp;\uc720\ub9ac\ud569\ub2c8\ub2e4.&nbsp;<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"342\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2020\/05\/\uc778\ub371\uc2a4-\ud380\ub4dc-\ud22c\uc790\uc790-512x342.jpg\" alt=\"\" class=\"wp-image-115043\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2020\/05\/\uc778\ub371\uc2a4-\ud380\ub4dc-\ud22c\uc790\uc790-512x342.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2020\/05\/\uc778\ub371\uc2a4-\ud380\ub4dc-\ud22c\uc790\uc790-300x200.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2020\/05\/\uc778\ub371\uc2a4-\ud380\ub4dc-\ud22c\uc790\uc790-768x512.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2020\/05\/\uc778\ub371\uc2a4-\ud380\ub4dc-\ud22c\uc790\uc790-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>\uc774\ubbf8\uc9c0 \uc81c\uacf5: <a href=\"https:\/\/www.pexels.com\/@ketut-subiyanto\/\" target=\"_blank\" rel=\"noopener\">Ketut Subiyanto<\/a><\/sup><\/sub><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\ub2e8\uc810<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc2dc\uc7a5&nbsp;\uc804\uccb4\uc758&nbsp;\uc6c0\uc9c1\uc784\uc744&nbsp;\ucd94\uc885\ud558\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\uc2dc\uc7a5\uc758&nbsp;\ubcc0\ud654\uc5d0&nbsp;\ub9e4\uc6b0&nbsp;\ucde8\uc57d\ud569\ub2c8\ub2e4.&nbsp;<\/li>\n\n\n\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ube44\uad50\uc801&nbsp;\uc120\ud0dd\uc758&nbsp;\ud3ed\uc740&nbsp;\ub113\uc9c0&nbsp;\uc54a\ub2e4\uace0&nbsp;\ud560&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc801\uadf9\uc801&nbsp;\ub9e4\ub9e4\ub97c&nbsp;\uc694\ud558\uc9c0&nbsp;\uc54a\uae30&nbsp;\ub54c\ubb38\uc5d0,&nbsp;\uc9c1\uc811&nbsp;\uc77c\uc77c\uc774&nbsp;\uc8fc\uc2dd\uc744&nbsp;\ub9e4\ub9e4\ud558\uae30&nbsp;\uc6d0\ud558\ub294&nbsp;\ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub294\ubd88\ub9ac\ud560&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc&nbsp;\uc218\uc775\ub960\uc740&nbsp;\ube44\uad50\uc801&nbsp;\uc81c\ud55c\uc801\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc18c\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub418\ub294&nbsp;\ud380\ub4dc\uc778&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\uc2dc\uc7a5&nbsp;\uc218\uc775\ub960\uc744&nbsp;\uc0c1\ud68c\ud558\ub824\uace0&nbsp;\ud558\ub294&nbsp;\uacbd\uc6b0\ub294&nbsp;\ub9ce\uc9c0&nbsp;\uc54a\uc2b5\ub2c8\ub2e4.&nbsp;\uadf8&nbsp;\ub300\uc2e0&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc704\ud5d8\uacfc&nbsp;\uc218\uc775\uc758&nbsp;\uade0\ud615\uc744&nbsp;\ub9de\ucd94\uace0\uc790&nbsp;\ud569\ub2c8\ub2e4.&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc758&nbsp;\uae30\ubc18\uc774&nbsp;\ub418\ub294&nbsp;\uc8fc\uc694&nbsp;\uc804\uc81c\ub294&nbsp;\uc2dc\uc7a5\uc740&nbsp;\uc5b8\uc81c\ub098&nbsp;\uc2b9\ub9ac\ud55c\ub2e4\ub294&nbsp;\uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ucd5c\uadfc&nbsp;\uc218&nbsp;\ub144&nbsp;\uc0ac\uc774\uc5d0&nbsp;\ub9ce\uc740&nbsp;\uc0c8\ub85c\uc6b4&nbsp;\uc9c0\uc218\ub4e4\uc774&nbsp;\uac1c\ubc1c\ub418\uc5b4&nbsp;\ud22c\uc790\uc790\ub4e4\uc774&nbsp;\ud2b9\uc815&nbsp;\uc2dc\uc7a5\uc758&nbsp;\uc774\uc810\uc744&nbsp;\uacf5\ub7b5\ud560&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uae30\ud68c\ub97c&nbsp;\uc5bb\uac8c\ub418\uc5c8\uc2b5\ub2c8\ub2e4.&nbsp;\uc6d0\uc790\uc7ac(commodities),&nbsp;\uc678\ud658(foreign currencies)&nbsp;\ub610\ub294&nbsp;\uc0ac\ud68c\uc801&nbsp;\ucc45\uc784&nbsp;\uae30\uc5c5(socially responsible companies)&nbsp;\ub4f1&nbsp;\ud2b9\uc815&nbsp;\uc2dc\uc7a5\uc5d0&nbsp;\ud22c\uc790\ud558\uae38&nbsp;\uc6d0\ud558\ub294&nbsp;\ubd84\ub4e4\uc740&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc&nbsp;\ub355\ubd84\uc5d0&nbsp;\uc6d0\ud558\ub294&nbsp;\uc720\ud615\uc758&nbsp;\ud22c\uc790&nbsp;\uc790\uc0b0\uc744&nbsp;\uace8\ub77c\uc11c&nbsp;\ud22c\uc790\ud560&nbsp;\uc218&nbsp;\uc788\uac8c&nbsp;\ub41c&nbsp;\uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc218\ub3d9\uc801&nbsp;\uad00\ub9ac\uac00&nbsp;\uae0d\uc815\uc801&nbsp;\uc131\uacfc\ub85c&nbsp;\uc774\uc5b4\uc9c0\ub294&nbsp;\uacbd\uc6b0\uac00&nbsp;\ub9ce\ub2e4\ub294&nbsp;\uac74&nbsp;\uc0ac\uc2e4\uc774\uba70,&nbsp;\uc7a5\uae30\uc801\uc73c\ub85c\ub294&nbsp;\ub354\ub354\uc6b1&nbsp;\uc720\ub9ac\ud55c&nbsp;\uac83\uc73c\ub85c&nbsp;\ud3c9\uac00\ub429\ub2c8\ub2e4.&nbsp;\ud558\uc9c0\ub9cc&nbsp;\ub2e8\uae30\uac04&nbsp;\ub0b4&nbsp;\ub9e4\ub9e4\uc758&nbsp;\uacbd\uc6b0\uc5d0\ub294&nbsp;\uc801\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub418\ub294&nbsp;\ud380\ub4dc(actively managed funds)\uac00&nbsp;\ub354&nbsp;\ub098\uc740&nbsp;\uc131\uacfc\ub97c \ubcf4\uc774\ub294&nbsp;\uac83\uc73c\ub85c&nbsp;\uc54c\ub824\uc838&nbsp;\uc788\uae30\ub3c4&nbsp;\ud558\uc8e0. SPIVA Scorecard\uc758&nbsp;\ub370\uc774\ud130&nbsp;\ubc0f&nbsp;\ud1b5\uacc4\uc5d0&nbsp;\uc758\ud558\uba74&nbsp;1\ub144&nbsp;\uc774\ub0b4\uc758&nbsp;\uae30\uac04\uc5d0\ub294&nbsp;\ub300\ud615\uc8fc\ud380\ub4dc&nbsp;\uc911&nbsp;\ub2e8\uc9c0&nbsp;64%\ub9cc\uc774&nbsp;S&amp;P 500\uc758&nbsp;\uc218\uc775\ub960\uc744&nbsp;\ub530\ub77c\uac00\uc9c0&nbsp;\ubabb\ud55c&nbsp;\uac83\uc73c\ub85c&nbsp;\ubd84\uc11d\ub418\uc5c8\uc2b5\ub2c8\ub2e4.&nbsp;\ub2e4\uc2dc&nbsp;\ub9d0\ud574,&nbsp;\ud22c\uc790\uc790&nbsp;\uc911&nbsp;3\ubd84\uc7581&nbsp;&nbsp;\uc774\uc0c1\uc774&nbsp;\ub2e8\uae30\uc801\uc73c\ub85c\ub294&nbsp;S&amp;P 500\ubcf4\ub2e4&nbsp;\ub098\uc740&nbsp;\uc218\uc775\ub960\uc744&nbsp;\uac70\ub458&nbsp;\uc218&nbsp;\uc788\uc5c8\ub2e4\uace0&nbsp;\ud558\uaca0\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc778\ub371\uc2a4 \ud380\ub4dc \uc8fc\uc694 \uace0\ub824\uc0ac\ud56d<\/strong><\/h2>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\uad00\ud574\uc11c&nbsp;\uc8fc\ub85c&nbsp;\uace0\ub824\ub418\uc5b4\uc57c&nbsp;\ud558\ub294&nbsp;\uc0ac\ud56d\ub4e4\uc740&nbsp;\uc544\ub798\uc640&nbsp;\uac19\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uae08\uc735&nbsp;\uc2dc\uc7a5&nbsp;\uc804\uccb4\uc758&nbsp;\uc6c0\uc9c1\uc784\uc744&nbsp;\ucd94\uc885\ud558\ub3c4\ub85d&nbsp;\uace0\uc548\ub418\uc5c8\uc73c\uba70,&nbsp;\uc2dc\uc7a5&nbsp;\uc218\uc775\ub960\uc744&nbsp;\uc0c1\ud68c\ud560&nbsp;\uac83\uc744&nbsp;\ubaa9\ud45c\ub85c\ud558\uae30&nbsp;\ubcf4\ub2e4\ub294&nbsp;\uc704\ud5d8\uacfc&nbsp;\uc218\uc775\uc758&nbsp;\uade0\ud615\uc744&nbsp;\ub9de\ucd94\ub3c4\ub85d&nbsp;\uc124\uacc4\ub418\uc5b4&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/li>\n\n\n\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc18c\uadf9\uc801&nbsp;\uc720\ud615\uc758&nbsp;\ud22c\uc790&nbsp;\ubc29\uc2dd\uc774\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\uc801\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub418\ub294&nbsp;actively managed funds\uc640&nbsp;\ube44\uad50\ud560&nbsp;\ub54c&nbsp;\uc800\ub834\ud55c&nbsp;\ube44\uc6a9,&nbsp;\ub0ae\uc740&nbsp;\ud68c\uc804\uc728,&nbsp;\uc800\ub834\ud55c&nbsp;\uc218\uc218\ub8cc&nbsp;\ubc0f&nbsp;\ube44\uc6a9&nbsp;\ub4f1&nbsp;\uad49\uc7a5\ud788&nbsp;\ud6a8\uc728\uc801\uc778&nbsp;\ud22c\uc790&nbsp;\ud615\ud0dc\ub85c&nbsp;\uc54c\ub824\uc838&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/li>\n\n\n\n<li>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\ud380\ub4dc&nbsp;\ub9e4\ub2c8\uc800&nbsp;\ub4f1&nbsp;\uad00\ub9ac\uc790&nbsp;\ube44\uc6a9\uc774\ub098&nbsp;\ud2b9\uc815&nbsp;\ub9e4\ub9e4&nbsp;\ube44\uc6a9&nbsp;\ub4f1&nbsp;\uc804\ubb38&nbsp;\uc11c\ube44\uc2a4&nbsp;\ube44\uc6a9\uc744&nbsp;\ud06c\uac8c&nbsp;\uc694\uad6c\ud558\uc9c0&nbsp;\uc54a\uae30\ub54c\ubb38\uc5d0&nbsp;\ube44\uc6a9\uc801\uc73c\ub85c&nbsp;\uc800\ub834\ud569\ub2c8\ub2e4.&nbsp;<\/li>\n\n\n\n<li>\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub294\u00a0\uc7a5\uae30\uc801\uc73c\ub85c\u00a0\ubcfc\u00a0\ub54c\u00a0\uc5b4\ub5a4\u00a0\ub2e4\ub978\u00a0\uc720\ud615\uc758\u00a0\ud380\ub4dc\ubcf4\ub2e4\u00a0\uc88b\uc740\u00a0\uc131\uacfc\ub97c\u00a0\ubcf4\uc774\ub294\u00a0\uac83\uc73c\ub85c\u00a0\uc54c\ub824\uc838\u00a0\uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><strong>\uc138\uae08<\/strong><\/h2>\n\n\n\n<p>\uc138\uae08\uc774\ub780&nbsp;\uc5b4\ub290&nbsp;\uad6d\uac00\ub098&nbsp;\uc9c0\uc5ed\uc5d0&nbsp;\uac70\uc8fc\ud558\ub294&nbsp;\uac1c\uc778\uc774&nbsp;\uc815\ubd80\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\ub2f4\ud574\uc57c&nbsp;\ud558\ub294&nbsp;\uc758\ubb34\uc801\u00b7\uac15\uc81c\uc801&nbsp;\uae08\uc804\uc785\ub2c8\ub2e4.&nbsp;\uac04\ub2e8\ud788&nbsp;\ub9d0\ud558\uc790\uba74,&nbsp;\uac1c\uc778\uc774&nbsp;\uc815\ubd80\uc5d0&nbsp;\ub0b4\uc57c\ud558\ub294&nbsp;\ub3c8\uc778&nbsp;\uc148\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22760_money_fly_from_wallet_to_Government_office_buildin_8ee326fa-846b-4182-8302-eac27e286c2d-512x512.png\" alt=\"\uc778\ub371\uc2a4 \ud380\ub4dc \uc138\uae08\" class=\"wp-image-72286\" style=\"width:358px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22760_money_fly_from_wallet_to_Government_office_buildin_8ee326fa-846b-4182-8302-eac27e286c2d-512x512.png 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22760_money_fly_from_wallet_to_Government_office_buildin_8ee326fa-846b-4182-8302-eac27e286c2d-300x300.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22760_money_fly_from_wallet_to_Government_office_buildin_8ee326fa-846b-4182-8302-eac27e286c2d-150x150.png 150w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22760_money_fly_from_wallet_to_Government_office_buildin_8ee326fa-846b-4182-8302-eac27e286c2d-81x81.png 81w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/11\/22760_money_fly_from_wallet_to_Government_office_buildin_8ee326fa-846b-4182-8302-eac27e286c2d.png 573w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:11px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\uc138\uae08\uc740&nbsp;\uc911\uc559&nbsp;\uc815\ubd80,&nbsp;\uc8fc&nbsp;\uc815\ubd80,&nbsp;\uc9c0\ubc29&nbsp;\uc815\ubd80&nbsp;\ub4f1&nbsp;\ucc28\uc6d0\uc5d0\uc11c&nbsp;\uc9d5\uc218\ub420&nbsp;\uc218&nbsp;\uc788\uace0,&nbsp;\uac1c\uc778\uc73c\ub85c\ubd80\ud130&nbsp;\uc138\uae08\uc744&nbsp;\uc9d5\uc218\ud558\ub294&nbsp;\uacfc\uc815\uc744&nbsp;\u2018\uacfc\uc138\u2019\ub77c&nbsp;\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc138\uae08\uc740&nbsp;\uc815\ubd80\uac00&nbsp;\uc7ac\uc815&nbsp;\uc9c0\ucd9c\ub85c&nbsp;\uc0ac\uc6a9\ud569\ub2c8\ub2e4.&nbsp;\uc815\ubd80\uc758&nbsp;\uc8fc\uc694&nbsp;\uc9c0\ucd9c&nbsp;\uc911&nbsp;\uc77c\ubd80\ub294&nbsp;\uacf5\ubb34\uc6d0&nbsp;\ub4f1\uc758&nbsp;\uc784\uae08,&nbsp;\uc815\ubd80&nbsp;\ubd80\ucc98&nbsp;\uac74\ubb3c\u00b7\uae30\ubc18\uc2dc\uc124\uac74\ucd95&nbsp;\ubc0f&nbsp;\ubcf4\uc218&nbsp;\ub4f1\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc138\uae08\uc740&nbsp;\uc5ec\ub7ec&nbsp;\ub2e4\uc591\ud55c&nbsp;\uc218\uc785\uc774\ub098&nbsp;\uc18c\ub4dd\uc5d0&nbsp;\ubd80\uacfc\ub420&nbsp;\uc218&nbsp;\uc788\ub294\ub370\uc694.<\/p>\n\n\n\n<p>\uac1c\uc778\uc774\ub098&nbsp;\ubc95\uc778\uc774&nbsp;\ud55c&nbsp;\uad6d\uac00\uc5d0&nbsp;\uac70\uc8fc\ud560&nbsp;\ub54c&nbsp;\ubd80\uacfc\ub420&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uc138\uae08\uc740&nbsp;\uad49\uc7a5\ud788&nbsp;\uc5ec\ub7ec&nbsp;\uc885\ub958\uac00&nbsp;\uc788\uace0,&nbsp;\uadf8&nbsp;\ubd80\uacfc&nbsp;\uc5ec\ubd80\ub098&nbsp;\ubc29\uc2dd,&nbsp;\ud06c\uae30,&nbsp;\uc138\uc728&nbsp;\ub4f1\uc740&nbsp;\uad6d\uac00\ubcc4\ub85c&nbsp;\uc18c\ub4dd\uc758&nbsp;\ud06c\uae30,&nbsp;\uc18c\ub4dd\uc758&nbsp;\uc6d0\ucc9c&nbsp;\ub4f1&nbsp;\ub9e4\uc6b0&nbsp;\ub2e4\uc591\ud55c&nbsp;\uc694\uc18c\ub97c&nbsp;\ubcf5\ud569\uc801\uc73c\ub85c&nbsp;\uace0\ub824\ud558\uc5ec&nbsp;\uacb0\uc815\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc911\uc559&nbsp;\uc815\ubd80\uc758&nbsp;\uc218\uc785\uc740&nbsp;\ud1b5\uc0c1\uc801\uc73c\ub85c&nbsp;\uc18c\ub4dd\uc138(Income Tax),&nbsp;\ubd80\uac00\uac00\uce58\uc138(VAT), National Insurance Contributions,&nbsp;\ubc95\uc778\uc138(Corporation Tax)&nbsp;\ubc0f&nbsp;Fuel Duty\uc758&nbsp;\ud615\uc2dd\uc73c\ub85c&nbsp;\uc9d5\uc218\ub429\ub2c8\ub2e4.&nbsp;\ub300\ud45c\uc801\uc778&nbsp;\uc608\ub294&nbsp;\uc544\ub798\uc640&nbsp;\uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc18c\ub4dd\uc138&nbsp;(Income Tax)<\/li>\n<\/ul>\n\n\n\n<p>\uc18c\ub4dd\uc138\ub294&nbsp;\uac1c\uc778\uc774&nbsp;\ubcf8\uc778\uc758&nbsp;\uc18c\ub4dd\uc5d0&nbsp;\ub530\ub77c&nbsp;\uc815\ubd80\uc5d0&nbsp;\ub0a9\ubd80\ud558\ub294&nbsp;\uc138\uae08\uc785\ub2c8\ub2e4.&nbsp;\uc18c\ub4dd\uc138&nbsp;\ubd80\uacfc&nbsp;\ub300\uc0c1\uc778&nbsp;\uc18c\ub4dd\uc5d0\ub294&nbsp;\uc784\uae08(\uadfc\ub85c\uc790\ubfd0&nbsp;\uc544\ub2c8\ub77c&nbsp;\uc790\uc601\uc5c5\uc790&nbsp;\ud3ec\ud568),&nbsp;\uc5f0\uae08,&nbsp;\ubcf4\ub108\uc2a4,&nbsp;\uc0c1\uc5ec\uae08&nbsp;\uae30\ud0c0&nbsp;\uc720\ud615\uc758&nbsp;\ubaa8\ub4e0&nbsp;\uc18c\ub4dd\uc744&nbsp;\ud3ec\ud568\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc18c\ub4dd\uc138\ub294&nbsp;\ubaa8\ub4e0&nbsp;\uc815\ubd80\uc758&nbsp;\uc8fc\uc694&nbsp;\uc218\uc785\uc6d0&nbsp;\uc911&nbsp;\ud558\ub098\ub85c&nbsp;\ubcfc&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\uad6c\uccb4\uc801\uc73c\ub85c&nbsp;\uc608\ub97c&nbsp;\ub4e4\uc790\uba74,&nbsp;\uc601\uad6d&nbsp;\uc815\ubd80\uc758&nbsp;\uc218\uc785&nbsp;\uc911&nbsp;\uc57d30%\uac00&nbsp;\uc18c\ub4dd\uc138\uc5d0\uc11c&nbsp;\uc628\ub2e4\uace0&nbsp;\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubb3c\ub860&nbsp;\ub300\ubd80\ubd84\uc758&nbsp;\uad6d\uac00\ub294&nbsp;\uac1c\uc778\ub4e4\uc5d0\uac8c&nbsp;\uc138\uae08&nbsp;\uacf5\uc81c&nbsp;\ud61c\ud0dd\uc744&nbsp;\ubd80\uc5ec\ud558\uace0,&nbsp;\uc77c\uc815&nbsp;\uc218\uc900&nbsp;\uc774\ud558\uc758&nbsp;\uc18c\ub4dd\uc5d0&nbsp;\ub300\ud574\uc11c\ub294&nbsp;\uacfc\uc138\ud558\uc9c0&nbsp;\uc54a\uc2b5\ub2c8\ub2e4.&nbsp;\ud2b9\uc815&nbsp;\ubd84\ub958\uc5d0&nbsp;\ud574\ub2f9\ud558\ub294&nbsp;\ubd84\ub4e4\uc5d0\uac8c\ub294&nbsp;\ud560\uc778\ub41c&nbsp;\uc138\uc728\uc744&nbsp;\uc801\uc6a9\ud558\uae30\ub3c4&nbsp;\ud558\uace0\uc694.&nbsp;\ubfd0\ub9cc&nbsp;\uc544\ub2c8\ub77c&nbsp;\uacf5\uc775&nbsp;\uc2e0\ud0c1\/\uc790\uc120&nbsp;\uc2e0\ud0c1(Charitable trusts)\uc758&nbsp;\uc218\uc785\uc740&nbsp;\uc18c\ub4dd\uc138\uac00&nbsp;\uba74\uc81c\ub418\uae30\ub3c4&nbsp;\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc0c1\uc18d\uc138(Inheritance Tax)<\/li>\n<\/ul>\n\n\n\n<p>\uc0c1\uc18d\uc138\ub294&nbsp;\uc774\uc804\ub418\ub294&nbsp;\uac00\uce58(Transfers of Value)\uc5d0&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08\uc774\uba70,&nbsp;\uc5ec\uae30\uc5d0\ub294&nbsp;\uc720\uc0b0,&nbsp;\uc0ac\ub9dd&nbsp;\uc774\uc804&nbsp;\uc77c\uc815&nbsp;\uae30\uac04&nbsp;\ub0b4\uc758&nbsp;\uc99d\uc5ec,&nbsp;\uc77c\uc815&nbsp;\uc720\ud615\uc758&nbsp;\uc2e0\ud0c1&nbsp;\uc774\uc804&nbsp;\ub4f1\uc774&nbsp;\ud3ec\ud568\ub429\ub2c8\ub2e4.&nbsp;\ub2e4\ub9cc,&nbsp;\ub9ce\uc740&nbsp;\uad6d\uac00\ub4e4\uc774&nbsp;\ud2b9\uc815&nbsp;\uc218\uc900&nbsp;\uc774\ud558\uc758&nbsp;\uae08\uc561\uc5d0&nbsp;\ub300\ud574\uc11c\ub294&nbsp;\uac1c\uc778\uc5d0\uac8c\uc0c1\uc18d\uc138\ub97c&nbsp;\ubd80\uacfc\ud558\uc9c0&nbsp;\uc54a\uace0&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Imposta comunale<\/li>\n<\/ul>\n\n\n\n<p>Council Tax\uc758&nbsp;\uc8fc\uc694&nbsp;\uac1c\ub150\uc740&nbsp;\uc9c0\ubc29&nbsp;\uc815\ubd80\uc758&nbsp;\uc11c\ube44\uc2a4\ub97c&nbsp;\ubd80\ubd84\uc801\uc73c\ub85c&nbsp;\uae30\uae08\uc758&nbsp;\ud615\ud0dc\ub85c&nbsp;\uc9c0\uc6d0\ud55c\ub2e4\ub294&nbsp;\uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubd80\uac00\uac00\uce58\uc138&nbsp;(Value-added Tax)<\/li>\n<\/ul>\n\n\n\n<p>\ubd80\uac00\uac00\uce58\uc138\ub294&nbsp;\uc18c\ube44\uc138\uc758&nbsp;\uc77c\uc885\uc73c\ub85c,&nbsp;\uac1c\uc778\uc774&nbsp;\uad6c\ub9e4\ud558\ub294&nbsp;\uc7ac\ud654\ub098&nbsp;\uc6a9\uc5ed\uc758&nbsp;\uac00\uce58\uc5d0&nbsp;\ub530\ub77c&nbsp;\uac1c\uc778\uc5d0\uac8c&nbsp;\ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubb3c\ud488\uc138&nbsp;(Excise Taxes)<\/li>\n<\/ul>\n\n\n\n<p>\ud1b5\uc0c1\uc801\uc73c\ub85c&nbsp;\ubb3c\ud488\uc138\ub780&nbsp;\uc720\ub958,&nbsp;\ub2f4\ubc30,&nbsp;\uc8fc\ub958,&nbsp;\ub3c4\ubc15,&nbsp;\ucc28\ub7c9&nbsp;\ub4f1&nbsp;\ud2b9\uc815&nbsp;\ubb3c\ud488\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08\uc744&nbsp;\ub9d0\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stamp Duty<\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub294&nbsp;\ubd80\ub3d9\uc0b0,&nbsp;\uc8fc\uc2dd&nbsp;\ub610\ub294&nbsp;\ud2b9\uc815&nbsp;\uc720\uac00\uc99d\uad8c\uc758&nbsp;\uc591\ub3c4&nbsp;\uc2dc&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08\uc774\uba70,&nbsp;\uc138\uc728\uc740&nbsp;\ub300\uc0c1&nbsp;\uc790\uc0b0\uc5d0&nbsp;\ub530\ub77c&nbsp;\uc0c1\uc774\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc95\uc778\uc138&nbsp;(Corporate Tax)<\/li>\n<\/ul>\n\n\n\n<p>\ubc95\uc778\uc138\ub294&nbsp;\ubc95\uc778\uc758&nbsp;\uc774\uc724\uc5d0&nbsp;\ub300\ud574&nbsp;\ubc95\uc778\uc5d0\uac8c&nbsp;\ubd80\uacfc\ud558\ub294&nbsp;\uc138\uae08\uc785\ub2c8\ub2e4.&nbsp;\uc601\uad6d\uc758&nbsp;\uacbd\uc6b0&nbsp;\uc815\ubd80&nbsp;\uc218\uc785\uc6d0&nbsp;\uc911&nbsp;\uc0c1\uc704&nbsp;4\uc704\ub97c&nbsp;\ucc28\uc9c0\ud558\uace0\uc788\uc8e0.&nbsp;\uc720\ub7fd\uc5d0\uc11c&nbsp;\uac70\ub798\ud558\ub294&nbsp;\ube44&nbsp;\uc601\uad6d(non-UK)&nbsp;\ud68c\uc0ac\uc758&nbsp;permanent establishments\uac00&nbsp;\uc5bb\ub294&nbsp;\uc774\uc724\uc5d0&nbsp;\ub300\ud574\uc11c\ub3c4&nbsp;\ubc95\uc778\uc138\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><strong>\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\u00a0\uc138\uae08<\/strong><\/h2>\n\n\n\n<p>\ubcf8&nbsp;\uae00\uc5d0\uc11c&nbsp;\uc8fc\ub85c&nbsp;\ub2e4\ub8e8\uace0\uc790&nbsp;\ud55c&nbsp;\uc720\ud615\uc758&nbsp;\uc138\uae08\uc740&nbsp;\uc790\ubcf8&nbsp;\uc774\ub4dd(Capital Gains)&nbsp;\ubc0f&nbsp;\ubd84\ubc30\uae08\/\ubc30\ub2f9\uae08(Dividends)\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\uacfc\ub420&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uc138\uae08\uc785\ub2c8\ub2e4.&nbsp;&nbsp;\uc774&nbsp;\ub450&nbsp;\uac00\uc9c0&nbsp;\uc138\uae08\uc774&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc&nbsp;\ud22c\uc790\uc640&nbsp;\uad00\ub828\ud558\uc5ec&nbsp;\uac1c\uc778\uc5d0\uac8c&nbsp;\ubd80\uacfc\ub420&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\ub300\ud45c\uc801\uc778&nbsp;\uc138\uae08\uc774\uae30&nbsp;\ub54c\ubb38\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc790\ubcf8\uc774\ub4dd\uc138&nbsp;(Capital Gains Tax)<\/h3>\n\n\n\n<p>\uc790\uc0b0\u00a0\uac00\uaca9\uc774\u00a0\uae30\uc874\uc5d0\u00a0\ube44\ud574\u00a0\uc0c1\uc2b9\ud558\ub294\u00a0\uacbd\uc6b0\u00a0\ubc1c\uc0dd\ud558\ub294\u00a0\ucc28\uc775\uc744\u00a0\uc790\ubcf8\u00a0\uc774\ub4dd\uc774\ub77c\u00a0\ud569\ub2c8\ub2e4.\u00a0\uc790\ubcf8\u00a0\uc774\ub4dd\uc758\u00a0\ud06c\uae30\ub294\u00a0\ud574\ub2f9\u00a0\uc790\uc0b0\uc774\u00a0\ub9e4\uac01\ub418\uae30\u00a0\uc804\uae4c\uc9c0\ub294\u00a0\ud655\uc815\ub420\u00a0\uc218\u00a0\uc5c6\uc2b5\ub2c8\ub2e4.\u00a0<\/p>\n\n\n\n<p>\uc790\uc0b0&nbsp;\ub9e4\ub9e4\ub85c&nbsp;\uc2e4\ud604\ub41c&nbsp;\uc790\ubcf8&nbsp;\uc774\ub4dd,&nbsp;\uc989&nbsp;\ucc28\uc775\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08\uc744&nbsp;\ud1b5\uc0c1\uc801\uc73c\ub85c&nbsp;\uc790\ubcf8\uc774\ub4dd\uc138\ub77c\uace0&nbsp;\ud569\ub2c8\ub2e4.&nbsp;\uac00\ub839&nbsp;\uc8fc\uc2dd,&nbsp;\ucc44\uad8c,&nbsp;\ubd80\ub3d9\uc0b0,&nbsp;\ud1a0\uc9c0,&nbsp;\uadc0\uae08\uc18d&nbsp;\ub4f1\uacfc&nbsp;\uac19\uc740&nbsp;\uc790\uc0b0\uc758&nbsp;\ub9e4\uac01\uc73c\ub85c&nbsp;\uc5bb\uc740&nbsp;\ucc28\uc775,&nbsp;\uc790\ubcf8&nbsp;\uc774\ub4dd\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uac83\uc774&nbsp;\uc77c\ubc18\uc801\uc774\uc8e0.&nbsp;\uc790\ubcf8\uc774\ub4dd\uc138\ub294&nbsp;\uc774\uc724\uc744&nbsp;\ucde8\ud558\uae30&nbsp;\uc704\ud574&nbsp;\ud310\ub9e4\ud55c&nbsp;\uac00\uce58&nbsp;\uc788\ub294&nbsp;\ubb3c\uac74\uc774\ub098&nbsp;\uc790\uc0b0\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uac83\uc774\ub77c\uace0&nbsp;\ubcfc&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\uc5d0&nbsp;\ub300\ud55c&nbsp;\uc138\uae08<\/h3>\n\n\n\n<p>\ud68c\uc0ac\uac00\u00a0\uc774\uc724\uc758\u00a0\uc77c\ubd80\ub97c\u00a0\uc8fc\uc8fc\uc5d0\uac8c\u00a0\uc870\uae08\uc529\u00a0\ub098\ub204\uc5b4\u00a0\uc9c0\uae09\ud558\ub294\u00a0\uacbd\uc6b0\u00a0\uc774\ub97c\u00a0\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\uc774\ub77c\uace0\u00a0\ud569\ub2c8\ub2e4.\u00a0\uac1c\uc778\uc774\u00a0\uc5bb\uc740\u00a0\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08(Dividends)\uc5d0\u00a0\ub300\ud574\u00a0\ubd80\uacfc\ub418\ub294\u00a0\uc138\uae08\uc744\u00a0Dividend Tax\ub77c\uace0\u00a0\ud569\ub2c8\ub2e4.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ub300\ud55c&nbsp;\uc138\uae08<\/h3>\n\n\n\n<p>\uc790\ubcf8&nbsp;\uc774\ub4dd\uacfc&nbsp;\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\uc740&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub85c\ubd80\ud130&nbsp;\ubc1c\uc0dd\ud558\ub294&nbsp;\ub450&nbsp;\uac00\uc9c0&nbsp;\uc18c\ub4dd&nbsp;\uc720\ud615\uc785\ub2c8\ub2e4.&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc758&nbsp;\uc7a5\uae30&nbsp;\ud22c\uc790\uc6b0\uc704\uc131,&nbsp;\uc800\ub834\ud55c&nbsp;\ube44\uc6a9,&nbsp;\ubd84\uc0b0&nbsp;\ud22c\uc790&nbsp;\ub2e4\ubcc0\ud654&nbsp;\ud6a8\uacfc&nbsp;\ub4f1\uc5d0&nbsp;\uc774\ub04c\ub9ac\ub294&nbsp;\ubd84\ub4e4\uc740&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\uac00\uc9c0\ub294&nbsp;\uc808\uc138&nbsp;\ud6a8\uacfc\ub97c&nbsp;\uc544\uc2e0\ub2e4\uba74\ub354\ub354\uc6b1&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ud22c\uc790\ud558\ub824\uace0&nbsp;\ud558\uc2e4&nbsp;\uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub294\u00a0\ub2e4\ub978\u00a0\uc720\ud615\uc758\u00a0\ud22c\uc790\u00a0\ub300\uc0c1\uacfc\u00a0\ube44\uad50\ud574\ubcfc\u00a0\ub54c\u00a0\ub354\ub354\uc6b1\u00a0\uc808\uc138\uc5d0\u00a0\ud6a8\uacfc\uc801\uc778\u00a0\uac83\uc73c\ub85c\u00a0\ud3c9\uac00\ub418\ub294\ub370\uc694.\u00a0\uc774\u00a0\uc808\uc138\u00a0\ud6a8\uacfc\u00a0\ub54c\ubb38\uc5d0\u00a0\uacfc\uc138\u00a0\ub300\uc0c1\u00a0\uacc4\uc88c\uc5d0\u00a0\ud380\ub4dc\ub97c\u00a0\ubcf4\uc720\ud558\uc2e0\u00a0\ud22c\uc790\uc790\ub4e4\uc740\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\uc5d0\u00a0\ud22c\uc790\ud568\uc73c\ub85c\uc368\u00a0\uc138\uae08\uc744\u00a0\ud6a8\uacfc\uc801\uc73c\ub85c\u00a0\uc904\uc77c\uc218\u00a0\uc788\uac8c\u00a0\ub429\ub2c8\ub2e4. \uadf8\ub807\ub2e4\uba74, \uc778\ub371\uc2a4 \ud380\ub4dc\uac00 \uc808\uc138\uc5d0 \uc88b\uc740 \uc774\uc720\ub294 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub0ae\uc740\u00a0\ud68c\uc804\uc728<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\uc138\uae08&nbsp;\uce21\uba74\uc5d0\uc11c&nbsp;\ud6a8\uc728\uc801\uc774\uace0&nbsp;\uc808\uc138&nbsp;\ud6a8\uacfc\ub97c&nbsp;\uac00\uc9c8&nbsp;\uc218&nbsp;\uc788\uac8c&nbsp;\ud558\ub294&nbsp;\uc8fc\uc694&nbsp;\uc694\uc778&nbsp;\uc911&nbsp;\ud558\ub098\ub294&nbsp;\ub0ae\uc740&nbsp;\ub9e4\ub9e4&nbsp;\ud68c\uc804\uc728\uc785\ub2c8\ub2e4.&nbsp;\ub9e4\ub9e4\ud68c\uc804\uc728\uc740&nbsp;\uc9c0\ub09c&nbsp;1\ub144&nbsp;\uac04&nbsp;\ud2b9\uc815&nbsp;\ud380\ub4dc\uac00&nbsp;\uc5bc\ub9c8\ub098&nbsp;\ub9ce\uc774&nbsp;\uad50\uccb4,&nbsp;\ub9e4\ub9e4\ub418\uc5c8\ub294\uc9c0&nbsp;\ubcf4\uc5ec\uc8fc\ub294&nbsp;\uc9c0\ud45c\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uac00\ub839&nbsp;\uc5b4\ub5a4&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\uac01\uae30&nbsp;\ub2e4\ub978&nbsp;100\uac1c\uc758&nbsp;\uc8fc\uc2dd\uc5d0&nbsp;\ud22c\uc790\ud558\uace0&nbsp;\uc788\ub294\ub370&nbsp;\uadf8&nbsp;\uc911&nbsp;30\uac1c&nbsp;\uc8fc\uc2dd\uc774&nbsp;\uad50\uccb4\ub418\uc5c8\ub2e4\uba74,&nbsp;\ud574\ub2f9&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc758&nbsp;\ud68c\uc804\uc728\uc740&nbsp;30%\ub77c\uace0&nbsp;\ud560&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud68c\uc804\uc728\uc774&nbsp;\ub192\uc73c\uba74&nbsp;\uc5b4\ub5a4&nbsp;\uc77c\uc774&nbsp;\ubc1c\uc0dd\ud558\ub294\uac74\uc9c0&nbsp;\uc758\uad6c\uc2ec\uc774&nbsp;\ub4dc\uc2e4&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\ud68c\uc804\uc728\uc774&nbsp;\ub192\uc73c\uba74&nbsp;\uc774\ub7f0&nbsp;\ud765\ubbf8\ub85c\uc6b4&nbsp;\uc0c1\ud669\uc774&nbsp;\ubc8c\uc5b4\uc9c0\uac8c&nbsp;\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubba4\ucd94\uc5bc&nbsp;\ud380\ub4dc\ucc98\ub7fc&nbsp;\ud68c\uc804\uc728\uc774&nbsp;\ub192\uc73c\uba74&nbsp;\uc8fc\uc2dd\uc744&nbsp;\ub9e4\ub3c4\ud558\uace0&nbsp;\ub9e4\uc218\ud558\ub294&nbsp;\ud589\uc704\uac00&nbsp;\ub9ce\uc544\uc9c0\uac8c&nbsp;\ub429\ub2c8\ub2e4.&nbsp;\ub9e4\ub9e4&nbsp;\ud589\uc704\uac00&nbsp;\uc7a6\uc544\uc9c0\uba74,&nbsp;\uc801\uc5b4\ub3c4&nbsp;\uc77c\ubd80&nbsp;\uc8fc\uc2dd\uc740&nbsp;\uc2e4\uc81c&nbsp;\ub9e4\uc218&nbsp;\uac00\uaca9\ubcf4\ub2e4&nbsp;\ub192\uc740&nbsp;\uac00\uaca9\uc744&nbsp;\uc8fc\uace0&nbsp;\ud314\uac8c&nbsp;\ub418\uc8e0.&nbsp;\uc5ec\uae30\uc11c&nbsp;\ucc28\uc775,&nbsp;\uc989&nbsp;\uc790\ubcf8&nbsp;\uc774\ub4dd\uc774&nbsp;\ubc1c\uc0dd\ud558\uac8c&nbsp;\ub429\ub2c8\ub2e4.&nbsp;\uc774&nbsp;\ucc28\uc775\uc740&nbsp;\ud22c\uc790\uc790\ub4e4\uc5d0\uac8c&nbsp;\ubd84\ubc30\ub418\uace0\uc694.&nbsp;\uc774\uc775\uc744&nbsp;\ub098\ub220\uc8fc\ub294\ub370&nbsp;\ubb50\uac00&nbsp;\ubb38\uc81c\ub0d0\uace0&nbsp;\uc0dd\uac01\ud558\uc2dc\ub098\uc694?&nbsp;\uc774\uc720\ub294&nbsp;\uc790\ubcf8\uc774\ub4dd\uc138\uac00&nbsp;\ubd80\uacfc\ub41c\ub2e4\ub294&nbsp;\uc0ac\uc2e4\uc5d0&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\ud22c\uc790\uc790\ub4e4\uc740&nbsp;\uc790\ubcf8&nbsp;\uc774\ub4dd\uc138\ub97c&nbsp;\ub0a9\ubd80\ud574\uc57c&nbsp;\ud558\ub294&nbsp;\ubd80\ub2f4\uc744&nbsp;\uc9c0\uac8c&nbsp;\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ubcf4\ub2e4&nbsp;\ud68c\uc804\uc728\uc774&nbsp;\ub192\uc740(\uac00\ub839&nbsp;20%) actively managed funds\uc640&nbsp;\ube44\uad50\ud560&nbsp;\ub54c&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uac00\ub8391~2%\uc815\ub3c4\ub85c&nbsp;\ub0ae\uc740&nbsp;\ud68c\uc804\uc728\ub9cc&nbsp;\ubcf4\uc774\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08&nbsp;\uc5ed\uc2dc&nbsp;\uc801\ub2e4\uace0&nbsp;\ud558\uaca0\uc2b5\ub2c8\ub2e4.&nbsp;\uc5b4\ub5a4&nbsp;\uacbd\uc6b0\uc5d0\ub294&nbsp;\ud68c\uc804\uc728\uc774100%\uc778&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub3c4&nbsp;\uc788\ub294\ub370\uc694,&nbsp;\uc774&nbsp;\uacbd\uc6b0\uc5d0\ub294&nbsp;\uc870\uae08&nbsp;\ub354&nbsp;\ud070&nbsp;\uc138\uae08\uc774&nbsp;\ubd80\uacfc\ub420&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc801\uc740\u00a0\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub294\u00a0\uc801\uadf9\uc801\u00a0\uc720\ud615\uc758\u00a0\ud380\ub4dc\uc5d0\u00a0\ube44\ud574\u00a0\uc8fc\uc8fc\uc5d0\uac8c\u00a0\ubd84\ubc30\ub418\ub294\u00a0\ubc30\ub2f9\uae08\uc774\u00a0\uc801\uc740\u00a0\ud3b8\uc785\ub2c8\ub2e4.\u00a0\uc5ec\ub7ec\u00a0\ub2e4\ub978\u00a0\uc885\ub958\uc758 actively managed funds\uc640\u00a0\ub9c8\ucc2c\uac00\uc9c0\ub85c,\u00a0\uc778\ub371\uc2a4\u00a0\ud380\ub4dc\ub85c\ubd80\ud130\u00a0\uc5bb\ub294\u00a0\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\u00a0\uc5ed\uc2dc\u00a0\uacfc\uc138\u00a0\ub300\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubc30\ub2f9\uc744&nbsp;\uc0c1\ub2f9\ud788&nbsp;\ub9ce\uc774&nbsp;\ud558\ub294&nbsp;\uc8fc\uc2dd\uc5d0&nbsp;\ud22c\uc790\ud558\ub294&nbsp;\ud22c\uc790\uc790\ub4e4\uc5d0\uac8c&nbsp;\ud2b9\ud788&nbsp;\uc5b4\ud544\ud558\uae30&nbsp;\uc704\ud574&nbsp;\uace0\uc548\ub41c&nbsp;\uc720\ud615\uc758&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub77c\uba74&nbsp;\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\uc774&nbsp;\uc880&nbsp;\ub354&nbsp;\ub9ce\uc744&nbsp;\uc218\ub294&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\uadf8&nbsp;\ubc16\uc5d0\ub3c4,&nbsp;\ucc44\uad8c&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc(Bond Index Fund)\uc5d0&nbsp;\ud22c\uc790\ud558\uc2dc\ub294&nbsp;\uacbd\uc6b0\uc5d0\ub294&nbsp;\ubc30\ub2f9\uae08\uacfc&nbsp;\uc774\uc790\uc5d0&nbsp;\ub300\ud574&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08\uc744&nbsp;\ubd80\ub2f4\ud558\uc154\uc57c&nbsp;\ud560&nbsp;\uc218&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ucda9\ubd84\ud788&nbsp;\uc704\ud5d8\uc744&nbsp;\uac10\uc218\ud560&nbsp;\uc5ec\ub825\uc774&nbsp;\uc788\uace0&nbsp;\ubcf8\uc778\ub9cc\uc758&nbsp;\ud6cc\ub96d\ud55c&nbsp;\ud22c\uc790&nbsp;\uc804\ub7b5\uc744&nbsp;\uac00\uc9c4&nbsp;\ud22c\uc790\uc790\ub77c\uba74&nbsp;growth index fund\uc5d0&nbsp;\ud22c\uc790\ud558\uc2e4&nbsp;\uc218\ub3c4&nbsp;\uc788\uc2b5\ub2c8\ub2e4.&nbsp;\uac00\ub839&nbsp;Vanguard Growth Index\uc640&nbsp;\uac19\uc740&nbsp;growth index fund\uc5d0&nbsp;\ud22c\uc790\ud558\uc2dc\ub294&nbsp;\uacbd\uc6b0\ub77c\uba74&nbsp;\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\uc744&nbsp;\uc9c1\uc811\uc801\uc73c\ub85c&nbsp;\ubc1b\uc9c0&nbsp;\uc54a\uc73c\uc2e4&nbsp;\uac81\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uadf8&nbsp;\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08\uc740&nbsp;\uc9c1\uc811&nbsp;\ud22c\uc790\uc790\uc5d0\uac8c&nbsp;\uc9c0\uae09\ub418\ub294&nbsp;\ub300\uc2e0\uc5d0&nbsp;\ubcf4\uc720&nbsp;\uc790\uc0b0\uc5d0&nbsp;\uc7ac\ud22c\uc790&nbsp;\ud558\ub294&nbsp;\ubc29\uc2dd\uc73c\ub85c&nbsp;\uc6b4\uc6a9\ub429\ub2c8\ub2e4.&nbsp;\uc774\ub97c&nbsp;\ud1b5\ud574\ud22c\uc790\uc790\ub294&nbsp;\ubcf4\uc720&nbsp;\uc790\uc0b0\uc758&nbsp;\uac00\uce58\ub97c&nbsp;\ud0a4\uc6b8&nbsp;\uc218&nbsp;\uc788\uace0&nbsp;\ubc30\ub2f9\uae08\/\ubd84\ubc30\uae08&nbsp;\ub4f1\uc744&nbsp;\ud1b5\ud55c&nbsp;\uc218\uc775\uc5d0&nbsp;\ubd80\uacfc\ub418\ub294&nbsp;\uc138\uae08\ub3c4&nbsp;\uc808\uc57d\ud560&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc808\uc138&nbsp;\ud6a8\uacfc\uac00&nbsp;\uc788\ub294&nbsp;brokerage&nbsp;\uacc4\uc88c\ub97c&nbsp;\ubcf4\uc720\ud558\uc2e0&nbsp;\ud22c\uc790\uc790\ub4e4\uc774&nbsp;\uac00\uc7a5&nbsp;\uba85\uc2ec\ud558\uc154\uc57c&nbsp;\ud560&nbsp;\uc810\uc740,&nbsp;\ud558\ub9c8\ud130\uba74&nbsp;\uc138\uae08\uc73c\ub85c&nbsp;\ube60\uc838\ub098\uac08&nbsp;\ubed4&nbsp;\ud55c&nbsp;\uae08\uc561\uc744&nbsp;\uc7ac\ud22c\uc790\ud568\uc73c\ub85c\uc368&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\uad49\uc7a5\ud788&nbsp;\ud6a8\uc728\uc801\uc73c\ub85c&nbsp;\ud22c\uc790\ud558\uc2e4&nbsp;\uc218&nbsp;\uc788\ub2e4\ub294&nbsp;\uc0ac\uc2e4\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub9ce\uc740&nbsp;\ud22c\uc790\uc790&nbsp;\ubd84\ub4e4\uc774&nbsp;\uc798&nbsp;\uc54c\uace0&nbsp;\uacc4\uc2dc\uaca0\uc9c0\ub9cc,&nbsp;\ub2e4\ub978&nbsp;\uac83&nbsp;\ubcf4\ub2e4\ub3c4&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc, Small-cap growth funds\ub4f1\uc5d0&nbsp;\ud22c\uc790\ud558\uc2dc\ub294\uac83\uc774&nbsp;\uc7ac\ud22c\uc790&nbsp;\ub4f1\uc744&nbsp;\uace0\ub824\ud560&nbsp;\ub54c&nbsp;\uc138\uae08&nbsp;\uce21\uba74\uc5d0\uc11c&nbsp;\uad49\uc7a5\ud788&nbsp;\uc720\ub9ac\ud569\ub2c8\ub2e4.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\">\ub9c8\ubb34\ub9ac<\/h2>\n\n\n\n<p>\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uc18c\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub418\ub294&nbsp;\uc720\ud615\uc758&nbsp;\ud22c\uc790&nbsp;\uc0c1\ud488\uc774\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\uc801\uadf9\uc801\uc73c\ub85c&nbsp;\uad00\ub9ac\ub418\ub294&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ube44\ud574&nbsp;\uc138\uae08&nbsp;\uce21\uba74\uc5d0\uc11c&nbsp;\ud6e8\uc52c&nbsp;\ub354&nbsp;\ud6a8\uc728\uc801\uc774\uace0&nbsp;\uc808\uc138\ud6a8\uacfc\uac00&nbsp;\ud07d\ub2c8\ub2e4.&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\ub294&nbsp;\uae30\uc900\uc774&nbsp;\ub418\ub294&nbsp;\uc9c0\uc218\ub97c&nbsp;\ucd94\uc885\ud558\uae30&nbsp;\ub54c\ubb38\uc5d0&nbsp;\ub2e4\ub978&nbsp;\ud380\ub4dc\uc5d0\ube44\ud574&nbsp;\ub9e4\ub9e4&nbsp;\ud68c\uc804\uc728\uc774&nbsp;\uad49\uc7a5\ud788&nbsp;\ub0ae\ub2e4\ub294&nbsp;\uc758\ubbf8\uc774\uae30\ub3c4&nbsp;\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub9e4\ub9e4&nbsp;\ud68c\uc804\uc728\uc740&nbsp;\ud574\ub2f9&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\ucd94\uc885\ud558\ub294&nbsp;\uc778\ub371\uc2a4\uc758&nbsp;\uae30\uc874&nbsp;\ud3ec\ud2b8\ud3f4\ub9ac\uc624&nbsp;\ub0b4&nbsp;\uc8fc\uc2dd&nbsp;\ub4f1\uc774&nbsp;\ub9e4\ub9e4\ub428\uc73c\ub85c\uc368&nbsp;\ubcc0\ub3d9\uc774&nbsp;\ubc1c\uc0dd\ud558\ub294&nbsp;\uc815\ub3c4\ub97c&nbsp;\uc758\ubbf8\ud558\ub294\ub370\uc694.&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\ub9e4\ub9e4&nbsp;\ud68c\uc804\uc728\uc774&nbsp;\ub0ae\uc544\uc11c&nbsp;\uac00\uc9c0\ub294&nbsp;\uc7a5\uc810&nbsp;\uc911&nbsp;\ud558\ub098\ub294&nbsp;\ub2e4\ub978&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ube44\ud574&nbsp;\uc790\ubcf8\uc774\ub4dd&nbsp;\ubc1c\uc0dd&nbsp;\uc815\ub3c4\uac00&nbsp;\uc801\ub2e4\ub294&nbsp;\uc810\uc785\ub2c8\ub2e4. Actively managed funds\ub294&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uc5d0&nbsp;\ube44\ud574&nbsp;\ud6e8\uc52c&nbsp;\ub192\uc740&nbsp;\ub9e4\ub9e4&nbsp;\ud68c\uc804\uc728\uc744&nbsp;\ubcf4\uc774\ub294&nbsp;\uac83\uc774&nbsp;\uc77c\ubc18\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc,&nbsp;\ub610&nbsp;\ud55c\uac00\uc9c0&nbsp;\uba85\uc2ec\ud558\uc154\uc57c&nbsp;\ud560&nbsp;\uc810\uc740,&nbsp;\uc778\ub371\uc2a4&nbsp;\ud380\ub4dc\uac00&nbsp;\uc88b\uc740&nbsp;\ud22c\uc790&nbsp;\uc0c1\ud488\uc774\ub77c\uace0&nbsp;\ud558\ub354\ub77c\ub3c4&nbsp;\ud22c\uc790\uc790\ub4e4,&nbsp;\ud2b9\ud788&nbsp;\ucd08\ubcf4&nbsp;\ud22c\uc790\uc790&nbsp;\ubd84\ub4e4\uc5d0\uac8c\ub294&nbsp;\ub54c\ub85c&nbsp;\uaf64&nbsp;\uc704\ud5d8\ud560&nbsp;\uc218\uac00&nbsp;\uc788\ub2e4\ub294&nbsp;\uc0ac\uc2e4\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c&nbsp;\ud22c\uc790\ud558\uc2dc\uace0\uc790&nbsp;\ud558\ub294&nbsp;\ud2b9\uc815&nbsp;\uc0c1\ud488\uc5d0&nbsp;\ub300\ud574\uc11c&nbsp;\uad00\ub828&nbsp;\uc6a9\uc5b4\ub4e4\uc744&nbsp;\ucda9\ubd84\ud788&nbsp;\uc219\uc9c0\ud558\uc2dc\uace0,&nbsp;\ubbff\uc744&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uc804\ubb38\uac00\uc640\uc758&nbsp;\uc0c1\ub2f4\uc744&nbsp;\ud1b5\ud574&nbsp;\uc218\uc775\uc744&nbsp;\ucd5c\ub300\ud654\ud560&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uc804\ub7b5\uc5d0&nbsp;\ub300\ud574&nbsp;\uace0\ubbfc\ud558\uc2dc\uae30\ub97c&nbsp;\ucd94\ucc9c&nbsp;\ub4dc\ub9ac\uba70,&nbsp;\uc774\ub97c&nbsp;\ud1b5\ud574&nbsp;\ub354&nbsp;\ub098\uc740&nbsp;\ud22c\uc790&nbsp;\uc218\uc775\uc744&nbsp;\uc5bb\uc73c\uc2e4\uc218&nbsp;\uc788\uc73c\ub9ac\ub77c&nbsp;\uc0dd\uac01\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubb3c\ub860&nbsp;\ub3c4\uc6c0&nbsp;\uc5c6\uc774&nbsp;\uc2a4\uc2a4\ub85c&nbsp;\ud22c\uc790\ud574\ubcf4\uc2dc\ub294&nbsp;\uac83\ub3c4&nbsp;\uac00\ub2a5\ud558\uc9c0\ub9cc,&nbsp;\uc5ec\ub7ec&nbsp;\uc758\ubb38\uc0ac\ud56d\uc774\ub098&nbsp;\uac80\ud1a0\ud574\uc57c&nbsp;\ud560&nbsp;\ubd80\ubd84\ub4e4\uc5d0&nbsp;\ub300\ud574\uc11c&nbsp;\ub3c4\uc6c0\uc744\uc904&nbsp;\uc218&nbsp;\uc788\ub294&nbsp;\uc804\ubb38\uac00\uc758&nbsp;\ub3c4\uc6c0\uc744&nbsp;\uad6c\ud558\ub294&nbsp;\uac8c&nbsp;\uc7a5\uae30\uc801\uc774\uace0&nbsp;\uac70\uc2dc\uc801&nbsp;\uad00\uc810\uc5d0\uc11c&nbsp;\ub354&nbsp;\ub0ab\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ubcf8 \uae00\uc740 \uc138\uae08 \uc804\ubb38\uac00\uc5d0 \uc758\ud574 \uc791\uc131\ub41c \uac83\uc774 \uc544\ubbf8\ub140, \uc138\ubc95\u00a0\ubc0f\u00a0\uc138\uae08\u00a0\uad00\ub828\u00a0\uaddc\uc815\uc740\u00a0\uc5b8\uc81c\ub4e0\u00a0\ubcc0\ub3d9\u00a0\uac00\ub2a5\uc131\uc774\u00a0\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/become-adams-client\/\">Diventa mio cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fare il quiz sull'idoneit\u00e0 del cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contatto<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam \u00e8 un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.<\/strong><\/p>\n\n\n\n<p>\u200b<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub371\uc2a4 \ud380\ub4dc \uc7a5\ub2f4\uc810, \uace0\ub824\uc0ac\ud56d, \uc138\uae08 \ub4f1. Another article from our Korean Desk.<\/p>","protected":false},"author":52,"featured_media":22761,"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":[11798],"tags":[1715,1713,1714,1372],"class_list":["post-22760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-options","tag--etf-","tag-1713","tag-1714","tag-1372"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/22760","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/comments?post=22760"}],"version-history":[{"count":2,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/22760\/revisions"}],"predecessor-version":[{"id":115044,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/22760\/revisions\/115044"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media\/22761"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media?parent=22760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/categories?post=22760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/tags?post=22760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}