{"id":6702,"date":"2025-09-30T11:21:47","date_gmt":"2025-09-30T02:21:47","guid":{"rendered":"https:\/\/forum.trustonasset.com\/?p=6702"},"modified":"2025-09-30T11:21:50","modified_gmt":"2025-09-30T02:21:50","slug":"%ed%87%b4%ec%a7%81%ea%b3%84%ec%a2%8c%ec%97%90%ec%84%9c-tdf-etf-%ed%88%ac%ec%9e%90%eb%a5%bc-%eb%a7%89%eb%8a%94-%ec%9d%b4%ec%9c%a0%eb%8a%94","status":"publish","type":"post","link":"https:\/\/forum.trustonasset.com\/?p=6702","title":{"rendered":"\ud1f4\uc9c1\uacc4\uc88c\uc5d0\uc11c TDF ETF \ud22c\uc790\ub97c \ub9c9\ub294 \uc774\uc720\ub294?"},"content":{"rendered":"\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\ub514\ud3f4\ud2b8\uc635\uc158 \uc81c\ub3c4\ub294 \uc815\uae30\uc608\uae08 \uc774\uc728 \uc218\uc900\uc5d0 \uba38\ubb34\ub974\ub294 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc218\uc775\ub960\uc744 \ub04c\uc5b4\uc62c\ub9ac\uae30 \uc704\ud574 \u201822\ub144 7\uc6d4\ubd80\ud130 \uc2dc\ud589\ub410\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \uac01\uc885 \ub514\ud3f4\ud2b8\uc635\uc158 \uc801\uaca9 \uae08\uc735\uc0c1\ud488 \uc911\uc5d0\uc11c \uac00\uc7a5 \uac01\uad11\ubc1b\uace0 \uc788\ub294 \uac83\uc774 TDF(Target Date Fund)\uc785\ub2c8\ub2e4. \uc774 \ud380\ub4dc\ub294 \uc740\ud1f4\uc2dc\uae30\uc5d0 \ub9de\ucdb0 \ub9ac\uc2a4\ud06c\uac00 \ud070 \uc790\uc0b0\uc758 \ube44\uc911\uc744 \uc904\uc5ec\uc57c \ud55c\ub2e4\ub294 \uc774\ub978\ubc14 \u2018100-\uc5f0\ub839\u2019 \ubc95\uce59\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc560\ucd08 \uc124\uc815\ub41c \uc804\ub7b5\uc5d0 \ub530\ub77c \ud604\uc9c1\uc5d0 \uc788\uc744 \ub54c\ub294 \uc790\uc0b0\uc758 \ub300\ubd80\ubd84\uc744 \uc8fc\uc2dd\uc5d0 \ubc30\ubd84\ud588\ub2e4\uac00 \ud1f4\uc9c1 \uc2dc\uae30\uac00 \ub2e4\uac00\uc624\uba74 \uc8fc\uc2dd\uc758 \ube44\uc911\uc744 \uc11c\uc11c\ud788 \ub0ae\ucd94\uba74\uc11c \ucc44\uad8c\uc758 \ube44\uc911\uc744 \ub298\ub824\uac11\ub2c8\ub2e4. \uc801\ub9bd\uae30\uc5d0\ub294 \uacf5\uaca9\uc801\uc778 \uc790\uc0b0\uc6b4\uc6a9\uc744 \ud558\uace0 \uc778\ucd9c\uae30\uac00 \ub2e4\uac00\uc624\uba74 \uc548\uc815\uc801\uc73c\ub85c \uc790\uc0b0\ubc30\ubd84\uc744 \ud558\ub294 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. TDF\ub294 \uc694\uc998 \uc778\uae30\ub97c \uc5bb\uace0 \uc788\ub294 ETF\ud615\ud0dc\ub85c\ub3c4 \ucd9c\uc2dc\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \ucd5c\uadfc TDF ETF\uac00 \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c\uc5d0\uc11c 100%\uae4c\uc9c0 \ub2f4\uc744 \uc218 \uc788\ub294 \ub514\ud3f4\ud2b8\uc635\uc158 \uc801\uaca9 \uc0c1\ud488\uc5d0\uc11c \uc81c\uc678\ub420 \uac00\ub2a5\uc131\uc774 \uc81c\uae30\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc65c \uadf8\ub7f4\uae4c\uc694?<\/p>\n\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">TDF ETF\uac00 TDF\uc640 \ub2e4\ub978 \uc810\uc740 \uc8fc\uc2dd\ucc98\ub7fc \uc2e4\uc2dc\uac04\uc73c\ub85c \ub9e4\ub9e4\ub97c \ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \uc7a5\uc810\uc774\uc9c0\ub9cc \ud22c\uc790\uc790\ub97c \ub2e8\ud0c0\ub85c \ub9e4\ub9e4\uc758 \uc720\ud639\uc5d0 \ube60\uc9c0\uac8c \ud558\ub294 \ub2e8\uc810\uc774 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c ETF \ud615\ud0dc\uc758 TDF\ub294 \ud22c\uc790\uc790\ub4e4\uc774 \ub05d\uae4c\uc9c0 \ubcf4\uc720\ud558\ub294 \uacbd\uc6b0\uac00 \uac70\uc758 \uc5c6\ub2e4\uace0 \ud569\ub2c8\ub2e4. \uae34 \ud638\ud761\uc73c\ub85c \ud22c\uc790\ud574\uc57c \ud560 \ud1f4\uc9c1\uc5f0\uae08 \uc790\uc0b0\uc778\ub370 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ud718\ub458\ub824 \uc7a6\uc740 \ub9e4\ub9e4\ub97c \ud558\ub2e4 \ubcf4\uba74 \uc544\ubb34\ub798\ub3c4 \uacb0\uacfc\uac00 \uc88b\uc744 \ub9ac \uc5c6\uc744 \uac83\uc785\ub2c8\ub2e4. \uc815\ucc45 \ub2f9\uad6d\uc790\ub4e4\uc740 TDF ETF\ubcf4\ub2e4 TDF\uac00 \ub354 \uc801\ud569\ud558\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uac83 \uac19\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\/2025\/09\/wiheom-liseukeu-kamsu-jenka-bijeuniseu-peojeul-kwijeu.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"480\" src=\"https:\/\/forum.trustonasset.com\/wp-content\/uploads\/2025\/09\/wiheom-liseukeu-kamsu-jenka-bijeuniseu-peojeul-kwijeu.jpg\" alt=\"\" class=\"wp-image-6703\" style=\"width:504px;height:auto\"\/><\/a><\/figure><\/div>\n\n\n&nbsp;\n<p style=\"font-size: 16px; line-height: 200{853382fb9fed1234c07a338676456f691b244c6a4821bb844c1776e514e2eaae};\">\ub610 \ub2e4\ub978 \ubb38\uc81c\uc810\uc740, TDF ETF\uac00 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc704\ud5d8\uc790\uc0b0 \ube44\uc911 \uc81c\ud55c\uc744 \uc6b0\ud68c\ud558\ub294 \uc218\ub2e8\uc73c\ub85c \uc4f0\uc77c \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. DC\ud615 \ud1f4\uc9c1\uc5f0\uae08\uacc4\uc88c\ub098 IRP\ub294 \uaddc\uc815\uc0c1 \uc801\ub9bd\uae08\uc758 \ucd5c\uc18c 30%\ub97c \uc608\u00b7\uc801\uae08\uc774\ub098 \ucc44\uad8c \ub4f1 \uc548\uc804\uc790\uc0b0\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uc18c\ud55c\uc758 \uc548\uc804\uc7a5\uce58\ub97c \ub454 \uac83\uc785\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \uc774\ub7f0 \uc81c\ud55c\uc744 \ub2f5\ub2f5\ud558\uac8c \ub290\ub07c\ub294 \uacf5\uaca9\uc801\uc778 \ud22c\uc790\uc790\ub294 TDF\ub098 TDF ETF\ub97c \uc8fc\uc2dd \ube44\uc911\uc744 \ub192\uc774\ub294 \uc218\ub2e8\uc73c\ub85c \ud65c\uc6a9\ud574 \uc654\uc2b5\ub2c8\ub2e4. TDF\uc911\uc5d0\uc11c \ube48\ud2f0\uc9c0(\uc740\ud1f4 \uc608\uc815\ub144\ub3c4)\uac00 \ub192\uc740 \uac83\uc740 \uc740\ud1f4 \uc2dc\uae30\uac00 \ub2e4\uac00\uc624\uae30 \uc804\uc5d0\ub294 \uc0ac\uc2e4\uc0c1 \uc8fc\uc2dd\ud615\ud380\ub4dc\ub77c\uace0 \ubd10\ub3c4 \ubb34\ubc29\ud569\ub2c8\ub2e4. \ube48\ud2f0\uc9c0\uac00 2045\uc778 TDF\ub294 \uc6b4\uc6a9 \ucd08\uae30\uc5d0 \uc8fc\uc2dd \ube44\uc911\uc774 \uc57d 80%\ub098 \ub41c\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud22c\uc790\uc790\uac00 \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c\uc5d0\uc11c \uc704\ud5d8\uc790\uc0b0 \ud55c\ub3c4 70%\ub97c \ubaa8\ub450 \uc8fc\uc2dd\ud615\ud380\ub4dc\ub85c \ucc44\uc6b0\uace0 \ub0a8\uc740 \uc548\uc804\uc790\uc0b0 \ud55c\ub3c4 30%\ub97c \ube48\ud2f0\uc9c0\uac00 \ub192\uc740 TDF\ub85c \ucc44\uc6b0\uba74 \uc774\ub860\uc801\uc73c\ub85c \uacc4\uc88c \uc804\uccb4\uc5d0\uc11c \uc8fc\uc2dd \ube44\uc911\uc744 94%\uae4c\uc9c0 \ub192\uc77c \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc774\ub294 TDF ETF\ubfd0\ub9cc \uc544\ub2c8\ub77c TDF\uc5d0\ub3c4 \ub611\uac19\uc774 \ud574\ub2f9\ub418\ub294 \uc0ac\uc548\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub514\ud3f4\ud2b8\uc635\uc158\uc740 \uc560\ucd08\uc5d0 \ud1f4\uc9c1\uc5f0\uae08\uc744 \uacf5\uaca9\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub824\uace0 \ub9cc\ub4e4\uc5b4\uc84c\uae30 \ub54c\ubb38\uc5d0 \uc774\uc5d0 \ub300\ud574\uc11c\ub294 \ucc2c\ubc18\uc774 \uac08\ub9b4 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<br>\n\n\n\n<p class=\"has-text-color has-link-color has-medium-font-size wp-elements-ed0bf223a28dfc137a0f2c6987566eb4\" 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><a href=\"https:\/\/www.trustonasset.com\/?ta_fund=%eb%b0%b1%eb%85%84%eb%8c%80%ea%b3%8450%ec%9e%90%ec%82%b0%eb%b0%b0%eb%b6%84-%ec%a6%9d%ea%b6%8c%ec%9e%90%ed%88%ac%ec%9e%90%ec%8b%a0%ed%83%81%ec%b1%84%ea%b6%8c%ed%98%bc%ed%95%a9-%ec%9e%ac%ea%b0%84\" 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\ub0b4 \ub178\ud6c4\ub97c \uc9c0\ucf1c\uc904 \uc218 \uc788\ub294 \ud2b8\ub7ec\uc2a4\ud1a4 \ub514\ub524\ubc31\ub14450EMP\uc790\uc0b0\ubc30\ubd84 \ud380\ub4dc<\/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 \uc9c0\ucca0\uc6d0 \uc0c1\ubb34<\/em><\/p>\n\n\n\n<br>\n","protected":false},"excerpt":{"rendered":"<p>\ub514\ud3f4\ud2b8\uc635\uc158 \uc81c\ub3c4\ub294 \uc815\uae30\uc608\uae08 \uc774\uc728 \uc218\uc900\uc5d0 \uba38\ubb34\ub974\ub294 \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc218\uc775\ub960\uc744 \ub04c\uc5b4\uc62c\ub9ac\uae30 \uc704\ud574 \u201822\ub144 7\uc6d4\ubd80\ud130 \uc2dc\ud589\ub410\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \uac01\uc885 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