{"id":279,"date":"2026-08-04T04:13:38","date_gmt":"2026-08-04T04:13:38","guid":{"rendered":"https:\/\/hom2box.com\/wordpress\/pension-savings-fund-tdf-difference-beginner-guide-2026\/"},"modified":"2026-08-04T04:13:38","modified_gmt":"2026-08-04T04:13:38","slug":"pension-savings-fund-tdf-difference-beginner-guide-2026","status":"publish","type":"post","link":"https:\/\/hom2box.com\/wordpress\/pension-savings-fund-tdf-difference-beginner-guide-2026\/","title":{"rendered":"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774 \ucd08\ubcf4 \uc120\ud0dd\ubc95 2026 \uc644\uc804 \uc815\ub9ac"},"content":{"rendered":"
\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774 \ucd08\ubcf4 \uc120\ud0dd\ubc95\uc5d0 \ub300\ud574 \ucc98\uc74c \uc811\ud558\uba74 \uc815\ub9d0 \ud5f7\uac08\ub9ac\uc8e0.<\/p>\n

\ub450 \ub2e8\uc5b4\uac00 \uc138\ud2b8\ucc98\ub7fc \ubd99\uc5b4 \ub2e4\ub2c8\ub2c8 \uac19\uc740 \uac74\uc9c0 \ub2e4\ub978 \uac74\uc9c0\uc870\ucc28 \ubaa8\ud638\ud558\uac8c \ub290\uaef4\uc9c0\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uacc4\uc88c<\/strong>\uc774\uace0, TDF\ub294 \uadf8 \uacc4\uc88c \uc548\uc5d0 \ub2f4\uc744 \uc218 \uc788\ub294 \ud380\ub4dc \uc0c1\ud488<\/strong> \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n

\uc774 \uad6c\ubd84 \ud558\ub098\ub9cc \uc7a1\uc544\ub3c4 \uc120\ud0dd\uc774 \ud6e8\uc52c \ub2e8\uc21c\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n

\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc
\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc640 TDF, \uac1c\ub150 \ucc28\uc774\ubd80\ud130 \uc7a1\uc544\uc57c \uc120\ud0dd\uc774 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774 \u2014 \uac1c\ub150\ubd80\ud130 \ub2e4\ub985\ub2c8\ub2e4 \ud83d\udca1<\/h2>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc<\/strong>\ub780 \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uc744 \ubaa9\uc801\uc73c\ub85c \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba74\uc11c \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \uac1c\uc778 \uc5f0\uae08 \uacc4\uc88c\uc785\ub2c8\ub2e4.<\/p>\n

\uad6d\ub0b4 \uc8fc\uc2dd\ud615\u00b7\ucc44\uad8c\ud615\u00b7\ud63c\ud569\ud615\u00b7ETF \ub4f1 \uc218\ubc31 \uac00\uc9c0 \ud380\ub4dc\ub97c \uc9c1\uc811 \uace8\ub77c \ub2f4\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

**TDF(Target Date Fund, \ud0c0\uae43\ub370\uc774\ud2b8\ud380\ub4dc)**\ub780 \uc740\ud1f4 \ubaa9\ud45c \uc5f0\ub3c4\ub97c \ubbf8\ub9ac \uc815\ud558\uba74 \uadf8 \ub0a0\uc9dc\uc5d0 \uac00\uae4c\uc6cc\uc9c8\uc218\ub85d \uc8fc\uc2dd \ube44\uc911\uc744 \uc790\ub3d9\uc73c\ub85c \uc904\uc774\uace0 \ucc44\uad8c \ube44\uc911\uc744 \ub298\ub824\uc8fc\ub294 \uc0dd\uc560\uc8fc\uae30\ud615 \ud380\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n

TDF\ub294 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\ubfd0 \uc544\ub2c8\ub77c IRP \uacc4\uc88c\uc5d0\ub3c4 \ub2f4\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc27d\uac8c \ub9d0\ud558\uba74, \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uadf8\ub987\uc774\uace0 TDF\ub294 \uadf8 \uc548\uc5d0 \ub123\ub294 \uc7ac\ub8cc \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\uad6c\ubd84<\/th>\n\uc5f0\uae08\uc800\ucd95\ud380\ub4dc<\/th>\nTDF<\/th>\n<\/tr>\n<\/thead>\n
\uc131\uaca9<\/td>\n\uacc4\uc88c(Account)<\/strong><\/td>\n\ud380\ub4dc \uc0c1\ud488(Fund)<\/strong><\/td>\n<\/tr>\n
\uc6b4\uc6a9 \ubc29\uc2dd<\/td>\n\ud22c\uc790\uc790\uac00 \uc9c1\uc811 \ud380\ub4dc \uc120\ud0dd<\/td>\n\uc6b4\uc6a9\uc0ac\uac00 \uc790\ub3d9 \ub9ac\ubc38\ub7f0\uc2f1<\/td>\n<\/tr>\n
\uc8fc\uc2dd\u00b7\ucc44\uad8c \ube44\uc911<\/td>\n\ud22c\uc790\uc790\uac00 \uc9c1\uc811 \uacb0\uc815<\/td>\n\uc740\ud1f4\uc77c \uadfc\uc811\ud560\uc218\ub85d \ucc44\uad8c \u2191<\/td>\n<\/tr>\n
\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/td>\n\uc5f0 600\ub9cc \uc6d0 (2026\ub144 \uae30\uc900)<\/td>\n\uacc4\uc88c \ub2e8\uc704 \uc801\uc6a9, \ub3d9\uc77c<\/td>\n<\/tr>\n
\uac00\uc785 \ub300\uc0c1<\/td>\n\ub9cc 18\uc138 \uc774\uc0c1 \ub204\uad6c\ub098<\/td>\n\ud574\ub2f9 \ud380\ub4dc \ud310\ub9e4\uc0ac \uacc4\uc88c \ubcf4\uc720\uc790<\/td>\n<\/tr>\n
\uc6b4\uc6a9 \ubd80\ub2f4<\/td>\n\ub192\uc74c (\uc9c1\uc811 \uad00\ub9ac \ud544\uc694)<\/td>\n\ub0ae\uc74c (\uc790\ub3d9 \uad00\ub9ac)<\/td>\n<\/tr>\n
\ucd1d\ubcf4\uc218 \uc218\uc900<\/td>\n\uc5f0 0.05%~1.5% (\ub2f4\uc740 \ud380\ub4dc\uc5d0 \ub530\ub77c \uc0c1\uc774)<\/td>\n\uc5f0 0.35%~0.80%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<\/h2>\n

2026\ub144 \uae30\uc900, \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ub2e8\ub3c5\uc73c\ub85c \uc5f0 600\ub9cc \uc6d0<\/strong>\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n

IRP\uc640 \ud569\uc0b0\ud558\uba74 \ucd5c\ub300 900\ub9cc \uc6d0\uae4c\uc9c0 \ub298\uc5b4\ub0a9\ub2c8\ub2e4.<\/p>\n

\uacf5\uc81c\uc728\uc740 \ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558\uba74 16.5%, \ucd08\uacfc\ud558\uba74 13.2%\uc785\ub2c8\ub2e4.<\/p>\n

\uc5f0\ubd09 4,200\ub9cc \uc6d0\uc778 \uc9c1\uc7a5\uc778\uc774 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 600\ub9cc \uc6d0\uc744 \ub0a9\uc785\ud558\uba74 99\ub9cc \uc6d0(= 600\ub9cc \uc6d0 \u00d7 16.5%)<\/strong> \uc744 \ub3cc\ub824\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5f0 300\ub9cc \uc6d0\ub9cc \ub0a9\uc785\ud574\ub3c4 49.5\ub9cc \uc6d0<\/strong>\uc774 \ud658\uae09\ub429\ub2c8\ub2e4.<\/p>\n

600\ub9cc \uc6d0\uc774 \ud55c\ub3c4\uc77c \ubfd0, \uc18c\uc561 \ub0a9\uc785\ub3c4 \ub0a9\uc785\uc561 \ube44\ub840\ub85c \uacf5\uc81c\ub429\ub2c8\ub2e4.<\/p>\n

\uc138\uc561\uacf5\uc81c\ub294 TDF\ub97c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\uc5d0 \ub2f4\uc544\ub3c4 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9<\/strong>\ub429\ub2c8\ub2e4.<\/p>\n

\uc5b4\ub5a4 \ud380\ub4dc\ub97c \ub2f4\ub290\ub0d0\ub294 \uacf5\uc81c\uc561\uacfc \ubb34\uad00\ud569\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774 \u2014 \uc6b4\uc6a9 \ubc29\uc2dd\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4<\/h2>\n
\"\uc5f0\uae08\uc800\ucd95\ud380\ub4dc
\uc9c1\uc811 \uc6b4\uc6a9\uacfc TDF \uc790\ub3d9 \uc6b4\uc6a9, \ubcf8\uc778\uc758 \uad00\ub9ac \uc758\uc9c0\uc5d0 \ub530\ub77c \uc120\ud0dd\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\uc9c1\uc811 \uc6b4\uc6a9\uacfc \uc790\ub3d9 \uc6b4\uc6a9, \uc774 \ub450 \uc2a4\ud0c0\uc77c\uc758 \ucc28\uc774\uac00 \uc120\ud0dd\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc811 \uc6b4\uc6a9 \u2014 \ub0b4\uac00 \ud380\ub4dc\ub97c \uace0\ub974\ub294 \ubc29\uc2dd<\/h3>\n

S&P500 ETF, \uad6d\ub0b4 \uc8fc\uc2dd\ud615, \ucc44\uad8c\ud615 \ub4f1\uc744 \uc6d0\ud558\ub294 \ube44\uc728\ub85c \uc9c1\uc811 \ubc30\ubd84\ud569\ub2c8\ub2e4.<\/p>\n

\ucd1d\ubcf4\uc218\ub294 \ub2f4\uc740 \ud380\ub4dc\uc5d0 \ub530\ub77c \uc5f0 0.05%~1.5%<\/strong> \uc218\uc900\uc73c\ub85c \ud3b8\ucc28\uac00 \ud07d\ub2c8\ub2e4.<\/p>\n

\uc800\ube44\uc6a9 ETF \uc704\uc8fc\ub85c \uad6c\uc131\ud558\uba74 \uc5f0 0.05~0.15%\uae4c\uc9c0 \ub0ae\ucd9c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub2e8, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc9c1\uc811 \ub9ac\ubc38\ub7f0\uc2f1\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uad00\ub9ac\uc5d0 \uc18c\ud640\ud558\uba74 \uc8fc\uc2dd \ube44\uc911\uc774 \uc740\ud1f4 \uc9c1\uc804\uae4c\uc9c0 \ub192\uac8c \uc720\uc9c0\ub3fc \uc2dc\uc7a5 \uae09\ub77d \uc2dc \ud070 \uc190\uc2e4\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\uac8c \uc740\uadfc \uc911\uc694\ud55c \ud3ec\uc778\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n

\uc790\ub3d9 \uc6b4\uc6a9 \u2014 TDF\uac00 \uc54c\uc544\uc11c \ube44\uc911\uc744 \ubc14\uafd4\uc8fc\ub294 \ubc29\uc2dd<\/h3>\n

TDF2055\ub77c\uba74 2055\ub144\uc744 \uc740\ud1f4 \ubaa9\ud45c \uc5f0\ub3c4\ub85c \uc124\uc815\ud55c \ud380\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n

2026\ub144 \uae30\uc900 29\ub144\uc774 \ub0a8\uc558\uc73c\ub2c8 \uc8fc\uc2dd \ube44\uc911\uc774 \uc57d 70~80% \uc218\uc900\uc73c\ub85c \uacf5\uaca9\uc801\uc73c\ub85c \uc6b4\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n

\uc740\ud1f4\uac00 \uac00\uae4c\uc6cc\uc9c0\ub294 2045\ub144 \ubb34\ub835\ubd80\ud130 \ucc44\uad8c \ube44\uc911\uc774 50% \uc774\uc0c1\uc73c\ub85c \uc790\ub3d9\uc73c\ub85c \uc62c\ub77c\uac11\ub2c8\ub2e4.<\/p>\n

\ub0b4\uac00 \uc2e0\uacbd \uc4f0\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub2e4\ub294 \uac8c \uac00\uc7a5 \ud070 \uc7a5\uc810\uc774\uc8e0.<\/p>\n

\ucd1d\ubcf4\uc218\ub294 \uad6d\ub0b4 \uc8fc\uc694 TDF \uae30\uc900 \uc5f0 0.35%~0.80%<\/strong> \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc811 \uc6b4\uc6a9\uc758 \uc800\ube44\uc6a9 ETF(0.05~0.15%)\ubcf4\ub2e4 \ub192\uc9c0\ub9cc, \ub9ac\ubc38\ub7f0\uc2f1 \uc218\uace0\ub97c \ub300\uc2e0\ud574 \uc8fc\ub294 \ube44\uc6a9\uc73c\ub85c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5b4\ub5a4 \uc0ac\ub78c\uc5d0\uac8c TDF\uac00 \ub9de\ub098\uc694?<\/h2>\n

\uc194\uc9c1\ud788 \ub9d0\ud574\uc11c, \ucd08\ubcf4\uc5d0\uac8c\ub294 TDF\uac00 \ub354 \uc548\uc804\ud55c \uc120\ud0dd\uc778 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

TDF\uac00 \uc801\ud569\ud55c \uacbd\uc6b0<\/strong><\/p>\n

\ud380\ub4dc\ub098 \uc790\uc0b0 \ubc30\ubd84\uc5d0 \uad00\uc2ec\uc774 \uc5c6\uace0 \uc790\ub3d9\ud654\ub97c \uc6d0\ud558\ub294 \ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08 \uacc4\uc88c\ub97c \ud55c \ubc88 \uc124\uc815\ud558\uba74 \uc624\ub7ab\ub3d9\uc548 \uac74\ub4dc\ub9ac\uc9c0 \uc54a\uc744 \ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\ud22c\uc790 \uacbd\ud5d8\uc774 6\uac1c\uc6d4 \ubbf8\ub9cc\uc774\uac70\ub098 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ubd88\uc548\uc744 \ub9ce\uc774 \ub290\ub07c\ub294 \ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc811 \uc6b4\uc6a9\uc774 \uc801\ud569\ud55c \uacbd\uc6b0<\/strong><\/p>\n

ETF\u00b7\uc790\uc0b0 \ubc30\ubd84 \uacf5\ubd80\ub97c \uafb8\uc900\ud788 \ud558\uba74\uc11c \uc2a4\uc2a4\ub85c \ub9ac\ubc38\ub7f0\uc2f1\ud560 \uc758\uc9c0\uac00 \uc788\ub294 \ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\ucd1d\ubcf4\uc218\ub97c \ucd5c\uc18c\ud654\ud574 \uc7a5\uae30 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud558\uace0 \uc2f6\uc740 \ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\uc5f0 1~2\ud68c \uc774\uc0c1 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc9c1\uc811 \uc810\uac80\ud558\ub294 \uc2b5\uad00\uc774 \uc788\ub294 \ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774 \ucd08\ubcf4 \uc120\ud0dd\ubc95\uc744 \uae30\uc900\uc73c\ub85c \ubcf4\uba74, \ud22c\uc790 \uacbd\ud5d8\uc774 \uc801\uc744\uc218\ub85d TDF \ud558\ub098\ub85c \uc2dc\uc791\ud558\uace0 \uc775\uc219\ud574\uc9c4 \ub4a4 \uc9c1\uc811 \uc6b4\uc6a9\uc73c\ub85c \uc804\ud658\ud558\ub294 \ud750\ub984\uc774 \ud604\uc2e4\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uc2e4\uc804 \uc2dc\ub098\ub9ac\uc624 \u2014 \ub9cc 34\uc138 \uc9c1\uc7a5\uc778\uc774\ub77c\uba74?<\/h2>\n

\ub9cc 34\uc138, \uc5f0\ubd09 4,200\ub9cc \uc6d0, \uc740\ud1f4 \ubaa9\ud45c 65\uc138\ub97c \uac00\uc815\ud569\ub2c8\ub2e4.<\/p>\n

\uc740\ud1f4\uae4c\uc9c0 31\ub144<\/strong> \ub0a8\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2dc\ub098\ub9ac\uc624 A: TDF2055 \uc120\ud0dd<\/strong><\/p>\n

TDF2055\ub97c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\uc5d0 \uc6d4 30\ub9cc \uc6d0\uc529 \ub0a9\uc785\ud569\ub2c8\ub2e4.<\/p>\n

\uc5f0\uac04 \ub0a9\uc785\uc561 360\ub9cc \uc6d0, \uc138\uc561\uacf5\uc81c\uc728 16.5% \uc801\uc6a9 \uc2dc \uc5f0 59.4\ub9cc \uc6d0 \ud658\uae09<\/strong>\ub429\ub2c8\ub2e4.<\/p>\n

\ud604\uc7ac \uc8fc\uc2dd \ube44\uc911 \uc57d 75%, \ucc44\uad8c 25%\ub85c \uc6b4\uc6a9\ub418\uba70 \uc740\ud1f4\uac00 \uac00\uae4c\uc6cc\uc9c8\uc218\ub85d \uc790\ub3d9 \uc870\uc815\ub429\ub2c8\ub2e4.<\/p>\n

\uc6b4\uc6a9 \uc911 \ud2b9\ubcc4\ud788 \ud560 \uc77c\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2dc\ub098\ub9ac\uc624 B: \uc9c1\uc811 \uc6b4\uc6a9 \uc120\ud0dd<\/strong><\/p>\n

S&P500 ETF 60%, \uad6d\ub0b4 \ucc44\uad8c ETF 20%, \ub098\uc2a4\ub2e5100 ETF 20%\ub85c \uc9c1\uc811 \ubc30\ubd84\ud569\ub2c8\ub2e4.<\/p>\n

\ucd1d\ubcf4\uc218 \uae30\uc900 \uc5f0\ud3c9\uade0 0.10~0.15%<\/strong> \uc218\uc900\uc73c\ub85c TDF\ubcf4\ub2e4 \ub0ae\uc2b5\ub2c8\ub2e4.<\/p>\n

31\ub144 \uc7a5\uae30 \uc6b4\uc6a9 \uc2dc 0.40%p \ucc28\uc774\uac00 \ubcf5\ub9ac\ub85c \ub204\uc801\ub418\uba74 \uc218\uc775 \ucc28\uc774\uac00 \uc0c1\ub2f9\ud788 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n

\ub2e8, 50\ub300 \uc911\ubc18 \uc774\ud6c4 \uc9c1\uc811 \ucc44\uad8c \ube44\uc911\uc744 \ub298\ub9ac\ub294 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ud574\uc57c \ud55c\ub2e4\ub294 \uc804\uc81c\uac00 \ubd99\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\uac78 \ube7c\uba39\uc73c\uba74 \uc2dc\ub098\ub9ac\uc624 A\ubcf4\ub2e4 \uc624\ud788\ub824 \ubd88\ub9ac\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n\n
\ud56d\ubaa9<\/th>\n\uc2dc\ub098\ub9ac\uc624 A (TDF2055)<\/th>\n\uc2dc\ub098\ub9ac\uc624 B (\uc9c1\uc811 \uc6b4\uc6a9)<\/th>\n<\/tr>\n<\/thead>\n
\uc6d4 \ub0a9\uc785\uc561<\/td>\n30\ub9cc \uc6d0<\/td>\n30\ub9cc \uc6d0<\/td>\n<\/tr>\n
\uc5f0 \uc138\uc561\uacf5\uc81c \ud658\uae09\uc561<\/td>\n\uc57d 59.4\ub9cc \uc6d0<\/td>\n\uc57d 59.4\ub9cc \uc6d0<\/td>\n<\/tr>\n
\ucd1d\ubcf4\uc218<\/td>\n\uc5f0 0.35~0.80%<\/td>\n\uc5f0 0.10~0.15%<\/td>\n<\/tr>\n
\ub9ac\ubc38\ub7f0\uc2f1<\/td>\n\uc790\ub3d9<\/td>\n\uc5f0 1~2\ud68c \uc9c1\uc811<\/td>\n<\/tr>\n
\uc6b4\uc6a9 \uc2e4\uc218 \uc704\ud5d8<\/td>\n\ub0ae\uc74c<\/td>\n\ub192\uc74c (\ubc29\uce58 \uc2dc)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc5b4\ub290 \ucabd\uc774 \ub354 \ub0ab\ub2e4\uace0 \ub2e8\uc815\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\uacb0\uad6d \ubcf8\uc778\uc774 \uc5bc\ub9c8\ub098 \uad00\ub9ac\ud560 \uc218 \uc788\ub290\ub0d0\uc758 \ubb38\uc81c\uc785\ub2c8\ub2e4.<\/p>\n

TDF \uc22b\uc790(\uc5f0\ub3c4)\ub294 \uc5b4\ub5bb\uac8c \uace0\ub974\ub098\uc694?<\/h2>\n
\"TDF
TDF \ub4a4 \uc22b\uc790\ub294 \uc740\ud1f4 \ubaa9\ud45c \uc5f0\ub3c4, \ub098\uc774\uc5d0 \ub9de\uac8c \uace0\ub974\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

TDF \ub4a4\uc5d0 \ubd99\ub294 \uc22b\uc790\ub294 \uc740\ud1f4 \ubaa9\ud45c \uc5f0\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n

\uacc4\uc0b0 \uacf5\uc2dd\uc740 \uac04\ub2e8\ud569\ub2c8\ub2e4.<\/p>\n

\ud604\uc7ac \uc5f0\ub3c4(2026) + (\uc740\ud1f4 \ubaa9\ud45c \ub098\uc774 \u2212 \ud604\uc7ac \ub098\uc774) = \ubaa9\ud45c \uc5f0\ub3c4<\/strong><\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \ub9cc 30\uc138, 65\uc138 \uc740\ud1f4 \ubaa9\ud45c\ub77c\uba74 2026 + 35 = TDF2060<\/strong> \ub610\ub294 TDF2055<\/strong> \uc120\ud0dd\ud569\ub2c8\ub2e4.<\/p>\n

\uc0c1\ud488\uc740 5\ub144 \ub2e8\uc704\ub85c \ub098\uc640 \uc788\uc73c\ubbc0\ub85c \uac00\uc7a5 \uac00\uae4c\uc6b4 \uc5f0\ub3c4\ub97c \uace0\ub974\uba74 \ub429\ub2c8\ub2e4.<\/p>\n

\uc870\uae08 \ub354 \ubcf4\uc218\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\uace0 \uc2f6\ub2e4\uba74 5\ub144 \uc55e \uc0c1\ud488(\uc608: TDF2050)\uc744 \uace8\ub77c\ub3c4 \ub429\ub2c8\ub2e4.<\/p>\n

\uc8fc\uc2dd \ube44\uc911\uc774 \ub0ae\uc544\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n\n
\ud604\uc7ac \ub098\uc774<\/th>\n\uad8c\uc7a5 TDF \uc5f0\ub3c4 (65\uc138 \uc740\ud1f4 \uae30\uc900)<\/th>\n<\/tr>\n<\/thead>\n
20\ub300 \ucd08\ubc18<\/td>\nTDF2065<\/td>\n<\/tr>\n
20\ub300 \ud6c4\ubc18~30\ub300 \ucd08\ubc18<\/td>\nTDF2060<\/td>\n<\/tr>\n
30\ub300 \uc911\ud6c4\ubc18<\/td>\nTDF2055<\/td>\n<\/tr>\n
40\ub300 \ucd08\ubc18<\/td>\nTDF2045~2050<\/td>\n<\/tr>\n
40\ub300 \ud6c4\ubc18~50\ub300 \ucd08\ubc18<\/td>\nTDF2035~2040<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 TDF \ub123\uc744 \ub54c \ub193\uce58\uae30 \uc26c\uc6b4 \ud3ec\uc778\ud2b8<\/h2>\n

\uc218\uc218\ub8cc \ucc28\uc774\ub97c \uaf2d \ud655\uc778\ud558\uc138\uc694.<\/strong><\/p>\n

\uac19\uc740 TDF2050\uc774\ub77c\ub3c4 \uc6b4\uc6a9\uc0ac\ub9c8\ub2e4 \ucd1d\ubcf4\uc218\uac00 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

\uad6d\ub0b4 \ub300\ud615 \uc790\uc0b0\uc6b4\uc6a9\uc0ac \uae30\uc900 0.35%~0.80%<\/strong> \ubc94\uc704 \uc548\uc5d0 \uc788\uc9c0\ub9cc, 0.45%p \ucc28\uc774\ub294 30\ub144 \ubcf5\ub9ac\ub85c \ubcf4\uba74 \uccb4\uac10\uc774 \uaf64 \ub0a9\ub2c8\ub2e4.<\/p>\n

\uc99d\uad8c\uc0ac \uc571\uc5d0\uc11c \uc218\uc218\ub8cc \ud544\ud130\ub97c \uba3c\uc800 \uac78\uace0 \uace0\ub974\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n

\uacc4\uc88c \uc774\ub3d9\uc740 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/strong><\/p>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\ub294 \uc99d\uad8c\uc0ac \uac04 \uc774\uc804\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n

A\uc99d\uad8c\uc5d0\uc11c B\uc99d\uad8c\uc73c\ub85c \uc62e\uaca8\ub3c4 \uacfc\uc138 \uc774\uc5f0\uc774 \uadf8\ub300\ub85c \uc720\uc9c0\ub429\ub2c8\ub2e4.<\/p>\n

\ucc98\uc74c \uac00\uc785\ud55c \uacf3\uc774 \ub9c8\uc74c\uc5d0 \uc548 \ub4e4\uba74 \ubc14\uafc0 \uc218 \uc788\uc73c\ub2c8 \ub108\ubb34 \uc624\ub798 \uace0\ubbfc\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub429\ub2c8\ub2e4.<\/p>\n

\uc911\ub3c4 \uc778\ucd9c\uc740 \ud53c\ud558\uc138\uc694.<\/strong><\/p>\n

55\uc138 \uc774\uc804\uc5d0 \uc778\ucd9c\ud558\uba74 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n

\uc138\uc561\uacf5\uc81c \ubc1b\uc740 \uae08\uc561 \uc804\uccb4\uc5d0 \ud328\ub110\ud2f0\uac00 \ubd99\uae30 \ub54c\ubb38\uc5d0 \uae34\uae09 \uc790\uae08\uc740 \ubcc4\ub3c4\ub85c \ub9c8\ub828\ud574 \ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08 \uacc4\uc88c \ubc16 \ub2e8\uae30 \uc5ec\uc720\uc790\uae08\uc744 \uc5b4\ub514 \ub458\uc9c0 \uace0\ubbfc\uc774\ub77c\uba74, CMA\uacc4\uc88c\uc640 \ud30c\ud0b9\ud1b5\uc7a5\uc758 \uc218\uc775\ub960\u00b7\uc870\uac74 \ube44\uad50<\/a>\ub97c \ud568\uaed8 \uc0b4\ud3b4\ubcf4\uc2dc\uba74 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

IRP\uc640 \uc21c\uc11c\ub97c \uc815\ud574\ub450\uc138\uc694.<\/strong><\/p>\n

\uc138\uc561\uacf5\uc81c \ud6a8\uc728\ub9cc \ubcf8\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc 600\ub9cc \uc6d0\uc744 \uba3c\uc800 \ucc44\uc6b0\uace0 \ub0a8\uc740 \ud55c\ub3c4 300\ub9cc \uc6d0\uc744 IRP\ub85c \ucc44\uc6b0\ub294 \ubc29\uc2dd\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4.<\/p>\n

IRP\ub294 \ud1f4\uc9c1\uae08 \uc218\ub839 \uacc4\uc88c\ub85c\ub3c4 \uc4f0\uc774\ubbc0\ub85c \ubbf8\ub9ac \uac1c\uc124\ud574 \ub450\uba74 \ud3b8\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n

\ucd5c\uc2e0 \uc138\uc561\uacf5\uc81c \uae30\uc900\uc740 \uad6d\uc138\uccad \uacf5\uc2dd \uc0ac\uc774\ud2b8<\/a>\uc5d0\uc11c \ud655\uc778\ud558\uc2dc\uae38 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n

\n

FAQ<\/h2>\n

Q. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774\uac00 \ubb54\uac00\uc694? \ud55c \uc904\ub85c \uc124\uba85\ud558\uba74?<\/strong><\/p>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 \uacc4\uc88c, TDF\ub294 \uadf8 \uacc4\uc88c\uc5d0 \ub2f4\ub294 \ud380\ub4dc \uc0c1\ud488\uc785\ub2c8\ub2e4. TDF\ub97c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\uc5d0 \ub123\ub294 \uac83\uc774\ubbc0\ub85c \ub458\uc740 \uc120\ud0dd\uc9c0\uac00 \uc544\ub2c8\ub77c \ud3ec\ud568 \uad00\uacc4\uc785\ub2c8\ub2e4.<\/p>\n

Q. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc5d0 TDF\ub9cc \ub2f4\uc544\ub3c4 \ub418\ub098\uc694?<\/strong><\/p>\n

\ub124, \ucda9\ubd84\ud569\ub2c8\ub2e4. TDF \ud558\ub098\ub9cc\uc73c\ub85c\ub3c4 \uc8fc\uc2dd\u00b7\ucc44\uad8c\u00b7\uae00\ub85c\ubc8c \ubd84\uc0b0 \ud22c\uc790\uac00 \uc790\ub3d9\uc73c\ub85c \ub429\ub2c8\ub2e4. \ucd08\ubcf4\uc5d0\uac8c\ub294 TDF \ub2e8\uc77c \uad6c\uc131\uc774 \uc624\ud788\ub824 \uae54\ub054\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n

Q. TDF\uc640 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc138\uc561\uacf5\uc81c\ub294 \ubcc4\ub3c4\ub85c \ubc1b\ub098\uc694?<\/strong><\/p>\n

\ubcc4\ub3c4\uac00 \uc544\ub2d9\ub2c8\ub2e4. TDF\ub97c \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\uc5d0 \ub2f4\uc73c\uba74 \uacc4\uc88c \ub2e8\uc704\ub85c \uc138\uc561\uacf5\uc81c\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. 2026\ub144 \uae30\uc900 \uc5f0 600\ub9cc \uc6d0 \ud55c\ub3c4 \uc548\uc5d0\uc11c \ub0a9\uc785\ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n

Q. TDF \uc218\uc775\ub960\uc740 \uc5bc\ub9c8\ub098 \ub418\ub098\uc694?<\/strong><\/p>\n

\uc6b4\uc6a9\uc0ac\u00b7\ube48\ud2f0\uc9c0(\uc5f0\ub3c4)\u00b7\uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2e4\ub985\ub2c8\ub2e4. \uae08\uc735\ud22c\uc790\ud611\ud68c \ud380\ub4dc \uc815\ubcf4 \uc0ac\uc774\ud2b8<\/a> \ub610\ub294 \uac01 \uc99d\uad8c\uc0ac \uc571\uc5d0\uc11c \ucd5c\uc2e0 \uc218\uc775\ub960\uc744 \uc9c1\uc811 \ud655\uc778\ud558\uc2dc\uae38 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n

Q. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uacc4\uc88c\ub294 \uc5b4\ub514\uc11c \ub9cc\ub4dc\ub098\uc694?<\/strong><\/p>\n

\uad6d\ub0b4 \uc8fc\uc694 \uc99d\uad8c\uc0ac(\ubbf8\ub798\uc5d0\uc14b\u00b7\uc0bc\uc131\u00b7\ud0a4\uc6c0\u00b7\ud55c\uad6d\ud22c\uc790\u00b7NH\ud22c\uc790 \ub4f1) \uc571\uc5d0\uc11c \ube44\ub300\uba74\uc73c\ub85c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc124 \uc790\uccb4\ub294 \ubb34\ub8cc\uc774\uba70 10\ubd84 \ub0b4\uc678\ub85c \uc644\ub8cc\ub429\ub2c8\ub2e4.<\/p>\n

Q. IRP\uc640 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uc911 \uba3c\uc800 \ubb58 \ucc44\uc6cc\uc57c \ud558\ub098\uc694?<\/strong><\/p>\n

\uc138\uc561\uacf5\uc81c \ud6a8\uc728\ub9cc \ubcf8\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc 600\ub9cc \uc6d0\uc744 \uba3c\uc800 \ucc44\uc6b0\uace0 \ub0a8\uc740 \ud55c\ub3c4 300\ub9cc \uc6d0\uc744 IRP\ub85c \ucc44\uc6b0\ub294 \ubc29\uc2dd\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4. IRP\ub294 \ud1f4\uc9c1\uae08 \uc218\ub839 \uacc4\uc88c\ub85c\ub3c4 \ud65c\uc6a9\ub418\ubbc0\ub85c \ubbf8\ub9ac \uac1c\uc124\ud574 \ub450\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n

Q. \ub0a9\uc785 \uae08\uc561\uc774 600\ub9cc \uc6d0\ubcf4\ub2e4 \uc801\uc5b4\ub3c4 \uc138\uc561\uacf5\uc81c\uac00 \ub418\ub098\uc694?<\/strong><\/p>\n

\ub124, \ub0a9\uc785\ud55c \uae08\uc561\ub9cc\ud07c \ube44\ub840\ud574\uc11c \uacf5\uc81c\ub429\ub2c8\ub2e4. \uc5f0 300\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc 16.5% \uc801\uc6a9\ud558\uba74 49.5\ub9cc \uc6d0\uc774 \ud658\uae09\ub429\ub2c8\ub2e4. 600\ub9cc \uc6d0\uc740 \ud55c\ub3c4\uc77c \ubfd0, \uc18c\uc561 \ub0a9\uc785\ub3c4 \uacf5\uc81c \ub300\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n

\n

\ub9c8\ubb34\ub9ac<\/h2>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774\ub97c \ubab0\ub77c\uc11c \uacc4\uc88c\ub9cc \ub9cc\ub4e4\uc5b4 \ub450\uace0 \ubc29\uce58\ud558\ub294 \ubd84\ub4e4\uc774 \uc0dd\uac01\ubcf4\ub2e4 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08\uc800\ucd95\ud380\ub4dc TDF \ucc28\uc774 \ucd08\ubcf4 \uc120\ud0dd\ubc95\uc744 \uc815\ub9ac\ud558\uba74 \uacb0\uad6d \ud558\ub098\ub85c \uadc0\uacb0\ub429\ub2c8\ub2e4 \u2014 \ucc98\uc74c\uc5d4 TDF\ub85c \uac04\ub2e8\ud558\uac8c \uc2dc\uc791\ud558\uace0, \uc6b4\uc6a9\uc5d0 \uc775\uc219\ud574\uc9c4 \ub4a4 \uc9c1\uc811 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc9dc\ub3c4 \uc804\ud600 \ub2a6\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc644\ubcbd\ud55c \uacc4\ud68d\uc744 \uc138\uc6b0\ub824\ub2e4 \ubbf8\ub8e8\ub294 \uac83\ubcf4\ub2e4, \uc9c0\uae08 \uc6d4 5\ub9cc \uc6d0\uc774\ub77c\ub3c4 \uc2dc\uc791\ud558\ub294 \ucabd\uc774 \ud6e8\uc52c \ub0ab\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub178\ud6c4 \uc900\ube44\ub294 \ube60\ub97c\uc218\ub85d \ubcf5\ub9ac\uac00 \uc77c\ud574 \uc90d\ub2c8\ub2e4.<\/p>\n

\ucc38\uace0\uc790\ub8cc<\/h2>\n