{"id":6415,"date":"2024-08-09T16:25:48","date_gmt":"2024-08-09T07:25:48","guid":{"rendered":"https:\/\/forum.trustonasset.com\/?p=6415"},"modified":"2024-08-09T16:25:50","modified_gmt":"2024-08-09T07:25:50","slug":"tdf%ec%9d%98-%ec%97%ad%ec%82%ac-%ec%b5%9c%ec%b4%88%ec%9d%98-tdf%ec%99%80-tdf%ec%9d%98-%ed%8a%b9%ec%9e%a5%ec%a0%90","status":"publish","type":"post","link":"https:\/\/forum.trustonasset.com\/?p=6415","title":{"rendered":"TDF\uc758 \uc5ed\uc0ac \u2013 \ucd5c\ucd08\uc758 TDF\uc640 TDF\uc758 \ud2b9\uc7a5\uc810"},"content":{"rendered":"\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\uac1c\uc778\uc774 \uc9c1\uc811 \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 DC\ud615 \ud1f4\uc9c1\uc5f0\uae08, \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc138\uc81c\ud61c\ud0dd\uc744 \uc785\uc744 \uc218 \uc788\ub294 \uc5f0\uae08\uc800\ucd95 \ub610\ub294 IRP \uacc4\uc88c\uac00 \uacc4\uc18d \uc8fc\ubaa9\ubc1b\uace0, \uc2dc\uc7a5\uc774 \uacc4\uc18d \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uae08\uacc4\uc88c\ub97c \uc6b4\uc6a9\ud560 \ub54c \uc8fc\uc694 \uc120\ud0dd\uc9c0 \uc911 \ud558\ub098\ub85c \uace0\ub824\ub418\ub294 \uac83\uc774 \ud0c0\uac9f \ub370\uc774\ud2b8 \ud380\ub4dc(Target Date Fund, \uc774\ud558 \u2018TDF\u2019)\uc778\ub370\uc694. TDF\uc758 \uc5ed\uc0ac\uc640 \uac1c\ub150 \ub610\ud55c \ub9e4\uc6b0 \ud765\ubbf8\ub86d\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\ud0c0\uac9f \ub370\uc774\ud2b8 \ud380\ub4dc(TDF)\ub294 1990\ub144\ub300\uc5d0 \uc2dc\uc7a5\uc5d0 \ucd9c\uc2dc\ub41c \ud22c\uc790 \uc0c1\ud488\uc73c\ub85c, \ud22c\uc790\uc790\ub4e4\uc774 \ud2b9\uc815 \ubaa9\ud45c \ub0a0\uc9dc(\uc8fc\ub85c \uc740\ud1f4 \uc2dc\uc810)\uc5d0 \ub9de\ucdb0 \uc790\uc0b0 \ubc30\ubd84\uc744 \uc790\ub3d9\uc73c\ub85c \uc870\uc815\ud560 \uc218 \uc788\ub3c4\ub85d \uc124\uacc4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. TDF\ub294 \uc720\uba85\ud55c \uae08\uc735\ud68c\uc0ac\uc778 \uc6f0\uc2a4\ud30c\uace0\uc5d0\uc11c \uadfc\ubb34\ud558\ub358 \ub3c4\ub110\ub4dc \ub7ec\uc2a4\ud0a8\uacfc \ub798\ub9ac \ud2f4\ud2b8\uc5d0 \uc758\ud574\uc11c \ubc1c\uba85\ub41c \uac83\uc73c\ub85c \uc54c\ub824\uc838 \uc788\uc2b5\ub2c8\ub2e4. 1993\ub144\uacfc 1994\ub144 \ubc14\ud074\ub808\uc774\uc988 \uae00\ub85c\ubc8c, \uc6f0\uc2a4\ud30c\uace0, \ud53c\ub378\ub9ac\ud2f0\uc5d0 \uc758\ud574 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc18c\uac1c\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<br>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2024\/08\/doneoldeu-leoseukinkwa-laeli-tinteu.png\"><img loading=\"lazy\" decoding=\"async\" width=\"423\" height=\"202\" src=\"https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2024\/08\/doneoldeu-leoseukinkwa-laeli-tinteu.png\" alt=\"\" class=\"wp-image-6416\" style=\"width:509px;height:auto\"\/><\/a><figcaption class=\"wp-element-caption\">\ub3c4\ub110\ub4dc \ub7ec\uc2a4\ud0a8(\uc88c) \ub798\ub9ac \ud2f4\ud2b8(\uc6b0)<\/figcaption><\/figure><\/div>\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\ucd5c\ucd08\uc758 TDF\ub294?<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\ucd5c\ucd08\uc758 \ud0c0\uac9f \ub370\uc774\ud2b8 \ud380\ub4dc\ub294 1993\ub144\uc5d0 BGI(Barclays Global Investors, \ucd94\ud6c4 \uc6f0\uc2a4\ud30c\uace0\ub85c \ubcc0\uacbd)\uc5d0 \uc758\ud574 \ucd9c\uc2dc\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774 TDF\ub294 \ucd08\uae30\uc5d0\ub294 \uc8fc\ub85c \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\ub2e4\uac00 \ubaa9\ud45c \ub0a0\uc9dc\uac00 \ub2e4\uac00\uc62c\uc218\ub85d \ucc44\uad8c\uacfc \uac19\uc740 \ub354 \uc548\uc804\ud55c \uc790\uc0b0\uc73c\ub85c \uc804\ud658\ud558\ub294 \uad6c\uc870\ub97c \uac00\uc9c0\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uad6c\uc870\ub294 \uc740\ud1f4 \uc900\ube44\uac00 \ubaa9\uc801\uc778 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc81c\uacf5\ud574\uc904 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\ucd08\ucc3d\uae30 \ub3c4\uc785 \ubc30\uacbd<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">1990\ub144\ub300 \ud6c4\ubc18\uacfc 2000\ub144\ub300 \ucd08\ubc18\uc740 \ub2f7\ucef4 \ubc84\ube14 \uc2dc\uae30\ub85c\uc11c, \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \uac15\uc138\uc640 \ud568\uaed8 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\ub358 \uc2dc\uae30\uc600\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub9ce\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc774 \ubcf5\uc7a1\ud55c \uc790\uc0b0 \ubc30\ubd84\uacfc \ud22c\uc790 \uc804\ub7b5\uc744 \uc9c1\uc811 \uad00\ub9ac\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \uac04\ud3b8\ud558\uace0 \ud6a8\uc728\uc801\uc778 \ud22c\uc790 \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ub192\uc544\uc84c\uace0, \uc774\ub294 TDF\uc758 \ub4f1\uc7a5 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 TDF \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 17px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>TDF<\/strong><strong>\uc758 \ud2b9\uc9d5\uacfc \uc7a5\uc810<\/strong><\/p>\n\n\n\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\uc790\ub3d9 \ub9ac\ubc38\ub7f0\uc2f1<\/strong> &#8211; TDF\ub294 \ud22c\uc790\uc790\uac00 \ud2b9\uc815 \ubaa9\ud45c \ub0a0\uc9dc\uc5d0 \ub9de\ucdb0 \uc790\uc0b0 \ubc30\ubd84\uc744 \uc790\ub3d9\uc73c\ub85c \uc870\uc815\ud560 \uc218 \uc788\ub3c4\ub85d \uc124\uacc4\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud22c\uc790\uc790\uac00 \uc790\uc0b0 \ubc30\ubd84\uc744 \uc9c1\uc811 \uad00\ub9ac\ud560 \ud544\uc694 \uc5c6\uc774, \uc2dc\uac04\uc5d0 \ub530\ub77c \uc790\uc5f0\uc2a4\ub7fd\uac8c \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\"><strong>\ud22c\uc790\uc758 \ud3b8\ub9ac\uc131<\/strong> &#8211; TDF\ub294 \ud22c\uc790\uc790\uac00 \ucd08\uae30 \uc124\uc815\ub9cc \ud558\uba74 \uc774\ud6c4\uc5d0\ub294 \ubcc4\ub2e4\ub978 \uad00\ub9ac\uac00 \ud544\uc694 \uc5c6\ub2e4\ub294 \uc810\uc5d0\uc11c \ud070 \uc778\uae30\ub97c \ub04c\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud2b9\ud788 \ud22c\uc790 \uacbd\ud5d8\uc774 \uc801\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \uc740\ud1f4\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uc2dc\uc810\ub9cc \uc815\ud558\uba74 \uac00\uc785\uc774\ub098 \uc6b4\uc6a9\uc774 \uc6a9\uc774\ud558\ub2e4\ub294 \uac83\uc774 \ud070 \uc7a5\uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">2022\ub144\ubd80\ud130\ub294 \ud1f4\uc9c1\uc5f0\uae08 \uc0ac\uc804\uc9c0\uc815\uc6b4\uc6a9\uc81c\ub3c4(\ub514\ud3f4\ud2b8\uc635\uc158)\uac00 \ub3c4\uc785\ub418\uba74\uc11c TDF\ub294 \ud55c\ubc88 \ub354 \ub3c4\uc57d\uae30\ub97c \uac70\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub178\ud6c4\ub300\ucc45\uc73c\ub85c \uc694\uae34\ud558\uac8c \uc4f8 \uc218 \uc788\ub294 \ud1f4\uc9c1\uc5f0\uae08\uc744 \uc6b4\uc6a9\ud560 \ub54c, \ub300\ubd80\ubd84 \uc6d0\uae08 \ubcf4\uc7a5\uc131 \uc0c1\ud488 \uc704\uc8fc\ub85c \uc6b4\uc6a9\ud558\ub290\ub77c \uc7a5\uae30 \uc218\uc775\ub960\uc774 \ub0ae\uc740 \uacbd\uc6b0\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4. \uc6d0\uae08 \ubcf4\uc7a5\uc131 \uc0c1\ud488 \uc704\uc8fc\ub85c \uc6b4\uc6a9\ud560 \uacbd\uc6b0 \uc548\uc815\uc801\uc73c\ub85c \ubcf8\uc804\uc744 \uc9c0\ud0ac \uc218 \uc788\uc73c\ub098, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \ub192\uc740 \uc218\uc775\ub960\uc744 \uc5bb\uae30 \uc5b4\ub835\ub2e4\ub294 \ub2e8\uc810\uc774 \uc788\uc5b4 \ub178\ud6c4\ub300\ube44\uc5d0 \uce58\uba85\uc801\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\ub514\ud3f4\ud2b8\uc635\uc158\uc774 \ub3c4\uc785\ub418\uba74\uc11c \ubcc4\ub3c4\uc758 \uc6b4\uc6a9 \uc9c0\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \uc0ac\uc804\uc5d0 \uc9c0\uc815\ud574\ub454 \ub514\ud3f4\ud2b8\uc635\uc158\uc73c\ub85c \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c\uac00 \uc6b4\uc6a9\ub429\ub2c8\ub2e4. \uc774 \ub514\ud3f4\ud2b8\uc635\uc158\uc5d0\ub294 \uc704\ud5d8\uc758 \ud06c\uae30\ubcc4\ub85c \ub2e4\uc591\ud55c \ubaa8\ub378 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub098 \uc0c1\ud488\ub4e4\uc774 \uc81c\uacf5\ub418\ub294\ub370 \uc5ec\uae30\uc5d0\uc11c \uc8fc\ub97c \uc774\ub8e8\ub294 \uc0c1\ud488\ub4e4\uc774 TDF\uc785\ub2c8\ub2e4. \uc740\ud1f4 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uc8fc\uc2dd\uacfc \ucc44\uad8c \ub4f1\uc758 \uc790\uc0b0\ubc30\ubd84\uc774 \uc790\ub3d9\uc801\uc73c\ub85c \ub418\uba74\uc11c \uc218\uc775\uc131\uacfc \uc548\uc815\uc131\uc744 \uc5b4\ub290 \uc815\ub3c4 \ub3d9\uc2dc\uc5d0 \uac00\uc838\uac08 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc55e\uc73c\ub85c\ub3c4 TDF\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uba70, \ub2e4\uc591\ud55c \uc804\ub7b5\uacfc \ud601\uc2e0\uc744 \ud1b5\ud574 \ubc1c\uc804\ud574 \ub098\uac08 \ubbf8\ub798\uc758 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n<br>\n\n\n\n<p class=\"has-text-color has-link-color has-medium-font-size wp-elements-13dab03cde2c920158c54e9e2e0c4921\" style=\"color:#167d55\"><strong><a href=\"https:\/\/www.trustonasset.com\/?ta_fund=%EC%9E%A5%EA%B8%B0%EA%B3%A0%EB%B0%B0%EB%8B%B9%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EC%A6%9D%EA%B6%8C%EC%9E%90%ED%8E%80%EB%93%9C%EC%A3%BC%EC%8B%9D\" data-type=\"link\" data-id=\"https:\/\/www.trustonasset.com\/?ta_fund=%EC%9E%A5%EA%B8%B0%EA%B3%A0%EB%B0%B0%EB%8B%B9%EC%97%B0%EA%B8%88%EC%A0%80%EC%B6%95%EC%A6%9D%EA%B6%8C%EC%9E%90%ED%8E%80%EB%93%9C%EC%A3%BC%EC%8B%9D\"><\/a><strong><strong><a href=\"https:\/\/www.trustonasset.com\/?ta_fund=%ed%8a%b8%eb%9f%ac%ec%8a%a4%ed%86%a4-tdf2030-%ec%a6%9d%ea%b6%8c%ec%9e%90%ed%88%ac%ec%9e%90%ec%8b%a0%ed%83%81%ed%98%bc%ed%95%a9-%ec%9e%ac%ea%b0%84%ec%a0%91%ed%98%95\" data-type=\"link\" data-id=\"https:\/\/www.trustonasset.com\/?ta_fund=%ed%8a%b8%eb%9f%ac%ec%8a%a4%ed%86%a4-tdf2030-%ec%a6%9d%ea%b6%8c%ec%9e%90%ed%88%ac%ec%9e%90%ec%8b%a0%ed%83%81%ed%98%bc%ed%95%a9-%ec%9e%ac%ea%b0%84%ec%a0%91%ed%98%95\">\u261e\ud2b8\ub7ec\uc2a4\ud1a4\uc758 TDF\uc5d0 \ub300\ud574 \uc54c\uace0 \uc2f6\ub2e4\uba74?<\/a><\/strong><\/strong><\/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>\uac1c\uc778\uc774 \uc9c1\uc811 \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 DC\ud615 \ud1f4\uc9c1\uc5f0\uae08, \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uc138\uc81c\ud61c\ud0dd\uc744 \uc785\uc744 \uc218 \uc788\ub294 \uc5f0\uae08\uc800\ucd95 \ub610\ub294 &#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":[6,5,4,8,13],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p8gpnE-1Ft","_links":{"self":[{"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts\/6415"}],"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=6415"}],"version-history":[{"count":1,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts\/6415\/revisions"}],"predecessor-version":[{"id":6417,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=\/wp\/v2\/posts\/6415\/revisions\/6417"}],"wp:attachment":[{"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forum.trustonasset.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}