{"id":6357,"date":"2024-07-12T17:42:07","date_gmt":"2024-07-12T08:42:07","guid":{"rendered":"https:\/\/forum.trustonasset.com\/?p=6357"},"modified":"2024-07-12T17:42:08","modified_gmt":"2024-07-12T08:42:08","slug":"%ec%a0%88%ec%84%b8%ec%99%80-%eb%85%b8%ed%9b%84%eb%8c%80%eb%b9%84%eb%a5%bc-%eb%8f%99%ec%8b%9c%ec%97%90-irp-%ec%95%8c%ec%95%84%eb%b3%b4%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/forum.trustonasset.com\/?p=6357","title":{"rendered":"\uc808\uc138\uc640 \ub178\ud6c4\ub300\ube44\ub97c \ub3d9\uc2dc\uc5d0 &#8211; IRP \uc54c\uc544\ubcf4\uae30"},"content":{"rendered":"\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\uacfc\uac70\uc5d0\ub294 \uc740\ud1f4 \ud6c4 10~20\ub144 \uc815\ub3c4 \uc0ac\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc774\uc5c8\uc9c0\ub9cc, \uc758\ub8cc\uae30\uc220\uc758 \ubc1c\ub2ec\uacfc \uac74\uac15\uad00\ub9ac\uc5d0 \uad00\uc2ec\uc774 \ub9ce\uc544\uc9c4 \uc9c0\uae08\uc740 \uadf8 \uc774\uc0c1\uc744 \uc0ac\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ub354\ub354\uc6b1 \uc740\ud1f4 \uc774\ud6c4\ub97c \uc900\ube44\ud558\ub294 \uac83\uc774 \uc911\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08(Individual Retirement Pension, IRP)\uc740 \uadfc\ub85c\uc790\uc640 \uc790\uc601\uc5c5\uc790, \uacf5\ubb34\uc6d0 \ub4f1 \ub2e4\uc591\ud55c \uc9c1\uad70\uc758 \uc0ac\ub78c\ub4e4\uc774 \uac00\uc785\ud560 \uc218 \uc788\ub294 \ub178\ud6c4 \ub300\ube44 \uae08\uc735 \uc0c1\ud488\uc785\ub2c8\ub2e4. IRP\ub294 \ud1f4\uc9c1\uae08 \ubc0f \ucd94\uac00 \uc790\uae08\uc744 \uac1c\uc778\uc774 \uc9c1\uc811 \uc6b4\uc6a9\ud560 \uc218 \uc788\uace0, \uc138\uc561 \uacf5\uc81c \ud61c\ud0dd\uc744 \ud1b5\ud574 \uc808\uc138 \ud6a8\uacfc\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc5b4 \ud6a8\uacfc\uc801\uc778 \ub178\ud6c4 \uc900\ube44\uc218\ub2e8\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 IRP\uc5d0 \ub300\ud574 \uc27d\uace0 \uac04\ub2e8\ud558\uac8c \uc54c\uc544\ubcf4\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<br>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2023\/06\/GettyImages-1428406383.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2023\/06\/GettyImages-1428406383-1024x683.jpg\" alt=\"\" class=\"wp-image-5515\" style=\"width:429px;height:auto\" srcset=\"https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2023\/06\/GettyImages-1428406383-1024x683.jpg 1024w, https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2023\/06\/GettyImages-1428406383-300x200.jpg 300w, https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2023\/06\/GettyImages-1428406383-768x512.jpg 768w, https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2023\/06\/GettyImages-1428406383-39x26.jpg 39w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>IRP<\/strong><strong>\uc758 \uc8fc\uc694 \ud2b9\uc9d5<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">IRP\ub294 \uadfc\ub85c\uc790 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc790\uc601\uc5c5\uc790, \uacf5\ubb34\uc6d0 \ub4f1 \ub2e4\uc591\ud55c \uc9c1\uad70\uc758 \uc0ac\ub78c\ub4e4\uc774 \uac00\uc785\ud560 \uc218 \uc788\uc73c\uba70, \uc740\ud589, \uc99d\uad8c\uc0ac, \ubcf4\ud5d8\uc0ac \ub4f1 \uae08\uc735\uae30\uad00\uc744 \ud1b5\ud574 \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. IRP \uacc4\uc88c\uc5d0 \ub0a9\uc785\ud55c \uae08\uc561\uc740 \uc5f0\uac04 \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0(\uc5f0\uc18c\ub4dd 5500\ub9cc\uc6d0 \uadfc\ub85c\uc790 \uae30\uc900) \uc138\uc561 \uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc18c\ub4dd\uc5d0 \ub530\ub77c \uc138\uc561 \uacf5\uc81c\uc728\uc740 \ucd1d \uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558\uc778 \uacbd\uc6b0 16.5%, \ucd08\uacfc \uc2dc 13.2%\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\uc790\uc728\uc801\uc778 \uc6b4\uc6a9\uacfc \uc218\ub839 \ubc29\uc2dd<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">IRP \uac00\uc785\uc790\ub294 \uc8fc\uc2dd\ud615 \ud380\ub4dc, \ucc44\uad8c\ud615 \ud380\ub4dc, \uc608\uae08 \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uc5ec \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\uac8c \uc790\uae08\uc744 \uc6b4\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. IRP \uacc4\uc88c\uc5d0 \uc801\ub9bd\ub41c \ud1f4\uc9c1\uae08\uc740 \uc77c\uc2dc\uae08\uc73c\ub85c \ubc1b\uc744 \uc218\ub3c4 \uc788\uace0, \uc5f0\uae08 \ud615\ud0dc\ub85c \ub098\ub204\uc5b4 \ubc1b\uc744 \uc218\ub3c4 \uc788\uc5b4 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc720\uc5f0\ud558\uac8c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc, \uc77c\uc2dc\uae08\uc758 \ud615\ud0dc\ub85c \ubc1b\uc73c\uba74 \uadfc\uc18d\uae30\uac04\uacfc \uaddc\ubaa8\uc5d0 \ub530\ub77c \ud1f4\uc9c1\uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uae08\uc758 \ud615\ud0dc\ub85c \ubc1b\uc73c\uba74 55\uc138 \uc774\ud6c4\uc5d0 \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc \ud1f4\uc9c1\uc18c\ub4dd\uc138 \uac10\uba74\uacfc \uacfc\uc138\uc774\uc5f0\uc758 \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\uc138\uc81c \ud61c\ud0dd\uacfc \uc720\uc758\uc0ac\ud56d<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">IRP\uc5d0 \ub0a9\uc785\ud55c \uae08\uc561\uc740 \uc5f0\uac04 \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561 \uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc5b4 \uc18c\ub4dd\uc774 \uc788\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ud070 \uc808\uc138 \ud6a8\uacfc\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc5f0\uae08 \uc218\ub839 \uc2dc \uc5f0\uae08\uc18c\ub4dd\uc138\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc73c\uba70, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc740 \uae08\uc561\uacfc \uc6b4\uc6a9\uc218\uc775\uc73c\ub85c \ubc1b\uc740 \uc5f0\uae08\uc18c\ub4dd\uc774 \uc5f0\uac04 1,200\ub9cc \uc6d0\uc744 \ucd08\uacfc\ud560 \uacbd\uc6b0\uc5d0\ub294 \uc885\ud569\uacfc\uc138 \ub610\ub294 \ubd84\ub9ac\uacfc\uc138 \uc911 \ud558\ub098\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd84\ub9ac\uacfc\uc138\ub97c \uc120\ud0dd\ud558\uba74 3.3~5.5%\uc758 \uc800\uc728\ub85c \uc5f0\uae08\uc18c\ub4dd\uc138\ub97c \ub0a9\ubd80\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. IRP\uc758 \uc720\uc758\ud560 \uc810\uc740 \ud22c\uc790 \uc0c1\ud488\uc758 \uc131\uacfc\uc5d0 \ub530\ub77c \uc218\uc775\ub960\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2e0\uc911\ud55c \ud22c\uc790 \uacb0\uc815\uc774 \ud544\uc694\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\ucd5c\uadfc \ub3d9\ud5a5<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\ucd5c\uadfc IRP \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc790\uc0b0\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uc99d\uac00\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ub178\ud6c4 \ub300\ube44\ub97c \uc704\ud574 IRP\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. 2024\ub144 7\uc6d4 \uae30\uc900\uc73c\ub85c, \ub300\ud55c\ubbfc\uad6d IRP \uacc4\uc88c\uc758 \uc801\ub9bd\uae08\uc740 \uc57d 84\uc870 \uc6d0\uc5d0 \ub2ec\ud558\uba70, \uc801\ub9bd\uae08\uc740 \ube60\ub974\uac8c \uc99d\uac00\ud558\ub294 \ucd94\uc138\uc785\ub2c8\ub2e4. IRP\ub294 \uc720\uc5f0\ud55c \uc6b4\uc6a9 \ubc29\uc2dd\uacfc \uc138\uc81c \ud61c\ud0dd\uc744 \ud1b5\ud574 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ub178\ud6c4\ub97c \uc900\ube44\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<br>\n\n\n\n<p class=\"has-text-color has-link-color has-medium-font-size wp-elements-ee222793b094dc031aa30a28b100e29e\" style=\"color:#167d55\"><strong><a href=\"https:\/\/www.trustonasset.com\/?ta_fund=%ec%9e%a5%ea%b8%b0%ec%84%b1%ec%9e%a5%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88%ec%a6%9d%ea%b6%8c%ec%9e%90%ed%88%ac%ec%9e%90%ec%8b%a0%ed%83%81%ec%a3%bc%ec%8b%9d\" data-type=\"link\" data-id=\"https:\/\/www.trustonasset.com\/?ta_fund=%ec%9e%a5%ea%b8%b0%ec%84%b1%ec%9e%a5%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88%ec%a6%9d%ea%b6%8c%ec%9e%90%ed%88%ac%ec%9e%90%ec%8b%a0%ed%83%81%ec%a3%bc%ec%8b%9d\">\u261e\ud2b8\ub7ec\uc2a4\ud1a4 \uc7a5\uae30\uc131\uc7a5 \ud1f4\uc9c1\uc5f0\uae08 \ud380\ub4dc\uc5d0 \ub300\ud574 \uc54c\uace0 \uc2f6\ub2e4\uba74?<\/a><\/strong><\/p>\n\n\n\n<br>\n\n\n\n<p class=\"has-text-align-right\"><em>\ud2b8\ub7ec\uc2a4\ud1a4\uc790\uc0b0\uc6b4\uc6a9 \uace0\uc7ac\ub7c9 \ub300\ub9ac<\/em><\/p>\n\n\n\n<br>\n","protected":false},"excerpt":{"rendered":"<p>\uacfc\uac70\uc5d0\ub294 \uc740\ud1f4 \ud6c4 10~20\ub144 \uc815\ub3c4 \uc0ac\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc774\uc5c8\uc9c0\ub9cc, \uc758\ub8cc\uae30\uc220\uc758 \ubc1c\ub2ec\uacfc \uac74\uac15\uad00\ub9ac\uc5d0 \uad00\uc2ec\uc774 \ub9ce\uc544\uc9c4 \uc9c0\uae08\uc740 \uadf8 &#183;&#183;&#183;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6,5,4,8,11,13],"tags":[80,71,46,96,37,114],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p8gpnE-1Ex","_links":{"self":[{"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts\/6357"}],"collection":[{"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6357"}],"version-history":[{"count":1,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts\/6357\/revisions"}],"predecessor-version":[{"id":6358,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts\/6357\/revisions\/6358"}],"wp:attachment":[{"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}