{"id":292,"date":"2026-08-08T07:30:28","date_gmt":"2026-08-08T07:30:28","guid":{"rendered":"https:\/\/hom2box.com\/wordpress\/irp-vs-pension-savings-tax-deduction-comparison-2026\/"},"modified":"2026-08-08T07:30:28","modified_gmt":"2026-08-08T07:30:28","slug":"irp-vs-pension-savings-tax-deduction-comparison-2026","status":"publish","type":"post","link":"https:\/\/hom2box.com\/wordpress\/irp-vs-pension-savings-tax-deduction-comparison-2026\/","title":{"rendered":"IRP \uc5f0\uae08\uc800\ucd95 \ucc28\uc774 \uc138\uc561\uacf5\uc81c \ube44\uad50 2026 \u2014 \ubb58 \uba3c\uc800 \ub123\uc5b4\uc57c \ud560\uae4c"},"content":{"rendered":"<div style=\"font-size:18px;line-height:1.9;color:#222;font-family:'Pretendard',-apple-system,'Malgun Gothic',sans-serif;word-break:keep-all;\">\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">IRP \uc5f0\uae08\uc800\ucd95 \ucc28\uc774 \uc138\uc561\uacf5\uc81c \ube44\uad50, \uc0dd\uac01\ubcf4\ub2e4 \ud5f7\uac08\ub9bd\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ub458 \ub2e4 &#39;\uc808\uc138\ub418\ub294 \uc5f0\uae08&#39;\uc774\ub77c\ub294 \uac74 \uc544\ub294\ub370, \uc5b4\ub514\uc5d0 \uba3c\uc800 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uc9c0 \ub9c9\ub9c9\ud55c \ubd84\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uacb0\ub860\ubd80\ud130 \ub9d0\uc500\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc5f0\uae08\uc800\ucd95\uacfc IRP\ub97c \ud569\uc0b0\ud574 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc138\uc728 \uad6c\uac04\uc5d0 \ub530\ub77c \uacf5\uc81c\uc728\uc740 13.2% \ub610\ub294 16.5%\uc785\ub2c8\ub2e4.<\/p>\n<figure data-img=\"1\" style=\"margin:24px 0;\"><img decoding=\"async\" src=\"https:\/\/hom2box.com\/media\/a154-m484-1785056788013.webp\" alt=\"IRP \uc5f0\uae08\uc800\ucd95 \uc138\uc561\uacf5\uc81c \ube44\uad50\ub97c \uac80\ud1a0\ud558\ub294 30\ub300 \uc9c1\uc7a5 \uc5ec\uc131\" style=\"width:100%;height:auto;display:block;border-radius:10px;\" \/><figcaption style=\"font-size:13px;color:#888;margin-top:6px;text-align:center;\">\uc5f0\uae08\uc800\ucd95\uacfc IRP, \ub458\uc758 \ucc28\uc774\ub97c \ubbf8\ub9ac \ud30c\uc545\ud574\ub450\uba74 \uc5f0\ub9d0\uc815\uc0b0 \ub54c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4<\/figcaption><figcaption style=\"font-size:11px;color:#bbb;margin-top:4px;text-align:center;\">AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">1. \ud575\uc2ec \uc694\uc57d: \ub450 \uacc4\uc88c\uc758 \uacb0\uc815\uc801 \ucc28\uc774<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uba3c\uc800 \uc22b\uc790\ub85c \uc815\ub9ac\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<table style=\"width:100%;border-collapse:collapse;margin:22px 0;font-size:17px;line-height:1.6;\">\n<thead>\n<tr>\n<th style=\"border:1px solid #dde1e8;padding:11px 12px;background:#f4f5f7;font-weight:700;text-align:left;\">\uad6c\ubd84<\/th>\n<th style=\"border:1px solid #dde1e8;padding:11px 12px;background:#f4f5f7;font-weight:700;text-align:left;\">\uc5f0\uae08\uc800\ucd95<\/th>\n<th style=\"border:1px solid #dde1e8;padding:11px 12px;background:#f4f5f7;font-weight:700;text-align:left;\">IRP<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc5f0 600\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc5f0 900\ub9cc \uc6d0 (\uc5f0\uae08\uc800\ucd95 \ud3ec\ud568 \ud569\uc0b0)<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uacf5\uc81c\uc728 (\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558)<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">16.5%<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">16.5%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uacf5\uc81c\uc728 (\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \ucd08\uacfc)<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">13.2%<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">13.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\ucd5c\ub300 \ud658\uae09\uc561<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">99\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">148\ub9cc 5\ucc9c \uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uac00\uc785 \ub300\uc0c1<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc18c\ub4dd \uc5c6\uc5b4\ub3c4 \uac00\ub2a5<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc18c\ub4dd \uc788\ub294 \uc790 (\uadfc\ub85c\u00b7\uc0ac\uc5c5\uc18c\ub4dd)<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc911\ub3c4\uc778\ucd9c<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uac00\ub2a5 (\uc138\uae08 \ubd80\uacfc)<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\ubd88\uac00 (\ubc95\uc815 \uc0ac\uc720 \uc678 \uacc4\uc88c \ud574\uc9c0)<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc6b4\uc6a9 \ubc29\uc2dd<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\ubcf4\ud5d8\u00b7\ud380\ub4dc\u00b7\uc2e0\ud0c1 \uc120\ud0dd<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc608\uae08\u00b7ETF\u00b7\ud380\ub4dc \ub4f1<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\ucd5c\uc18c \uc218\ub839 \ub098\uc774<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\ub9cc 55\uc138<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\ub9cc 55\uc138<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">IRP\ub294 \uc5f0\uae08\uc800\ucd95\uc758 \uacf5\uc81c \ud55c\ub3c4\ub97c 300\ub9cc \uc6d0 \ub354 \ub298\ub824\uc8fc\ub294 \ucd94\uac00 \uc2ac\ub86f\uc785\ub2c8\ub2e4.<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ub458\uc744 \ud569\uc0b0\ud574\ub3c4 900\ub9cc \uc6d0\uc774 \uc0c1\ud55c\uc120\uc774\uace0, \uc774\ub97c \ucd08\uacfc\ud574 \ub0a9\uc785\ud574\ub3c4 \uc138\uc561\uacf5\uc81c\ub294 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">2. \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uc640 \ud658\uae09\uc561\uc740 \uc5bc\ub9c8\uc778\uac00\uc694?<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc5f0\uae08\uc800\ucd95\ub9cc 600\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc \ud658\uae09\uc561\uc740 \ucd5c\ub300 99\ub9cc \uc6d0, IRP\uae4c\uc9c0 \ud569\uc0b0\ud574 900\ub9cc \uc6d0 \ub0a9\uc785 \uc2dc \ucd5c\ub300 148\ub9cc 5\ucc9c \uc6d0\uc785\ub2c8\ub2e4.<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uacf5\uc81c\uc728\uc740 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:16px 0;padding-left:24px;\">\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\">\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558: 16.5% \uc801\uc6a9<\/li>\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\">\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \ucd08\uacfc: 13.2% \uc801\uc6a9<\/li>\n<\/ul>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558\uc778 \ubd84\uc774 \uc5f0\uae08\uc800\ucd95 600\ub9cc \uc6d0\ub9cc \ub0a9\uc785\ud558\uba74 99\ub9cc \uc6d0\uc744 \ub3cc\ub824\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">IRP\uc5d0 \ucd94\uac00\ub85c 300\ub9cc \uc6d0\uc744 \ub354 \ub123\uc73c\uba74 49\ub9cc 5\ucc9c \uc6d0\uc774 \ucd94\uac00\ub418\uc5b4 \ucd1d 148\ub9cc 5\ucc9c \uc6d0\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \ucd08\uacfc\uc778 \uacbd\uc6b0\ub294 900\ub9cc \uc6d0 \ub0a9\uc785 \uae30\uc900 118\ub9cc 8\ucc9c \uc6d0\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc774 \uc218\uce58\ub294 <a href=\"https:\/\/www.hometax.go.kr\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">\uad6d\uc138\uccad \ud648\ud0dd\uc2a4<\/a>\uc5d0\uc11c \uc5f0\ub9d0\uc815\uc0b0 \ubbf8\ub9ac \ubcf4\uae30\ub85c \uc9c1\uc811 \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">3. IRP\uc640 \uc5f0\uae08\uc800\ucd95, \uc5b4\ub514\uc5d0 \uba3c\uc800 \ub123\uc5b4\uc57c \ud560\uae4c?<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc774 \uc9c8\ubb38\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc720\ub3d9\uc131\uc774 \ud544\uc694\ud55c \uc0c1\ud669\uc774\ub77c\uba74 \uc5f0\uae08\uc800\ucd95\uc744 \uba3c\uc800 \ucc44\uc6b0\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">IRP\ub294 \ubc95\uc815 \uc0ac\uc720(\ubb34\uc8fc\ud0dd\uc790 \uc8fc\ud0dd \uad6c\uc785, \uc694\uc591, \ud30c\uc0b0 \ub4f1) \uc678\uc5d0\ub294 \uc77c\ubd80 \uc778\ucd9c\uc774 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ubc18\uba74 \uc5f0\uae08\uc800\ucd95\uc740 \uc911\ub3c4\uc778\ucd9c \uc2dc \uc138\uae08(\uae30\ud0c0\uc18c\ub4dd\uc138 16.5%)\uc774 \ubd99\uc9c0\ub9cc \uc778\ucd9c \uc790\uccb4\ub294 \ub429\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uadf8\ub798\uc11c \ub2f9\uc7a5 \ubaa9\ub3c8\uc774 \ubb36\uc774\ub294 \uac8c \ubd80\ub2f4\uc2a4\ub7fd\ub2e4\uba74, \uc5f0\uae08\uc800\ucd95 600\ub9cc \uc6d0\uc744 \uba3c\uc800 \ucc44\uc6b0\uace0 \ub0a8\ub294 \uc5ec\ub825\uc73c\ub85c IRP\ub97c \ud65c\uc6a9\ud558\ub294 \uc21c\uc11c\uac00 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ubc18\ub300\ub85c \uc740\ud1f4 \uc790\uae08\uc744 \ucd5c\ub300\ud55c \uc138\uc81c \ud61c\ud0dd \uc548\uc5d0 \uac00\ub46c\ub450\uace0 \uc2f6\ub2e4\uba74 IRP 900\ub9cc \uc6d0 \ud55c\ub3c4\uae4c\uc9c0 \uaf49 \ucc44\uc6b0\ub294 \uc804\ub7b5\uc774 \ub9de\uc2b5\ub2c8\ub2e4.<\/p>\n<figure data-img=\"2\" style=\"margin:24px 0;\"><img decoding=\"async\" src=\"https:\/\/hom2box.com\/media\/a154-m485-1785056793958.webp\" alt=\"\uc2a4\ub9c8\ud2b8\ud3f0\uc73c\ub85c IRP \uc6b4\uc6a9 \ud604\ud669\uc744 \ud655\uc778\ud558\ub294 30\ub300 \uc9c1\uc7a5\uc778\" style=\"width:100%;height:auto;display:block;border-radius:10px;\" \/><figcaption style=\"font-size:13px;color:#888;margin-top:6px;text-align:center;\">IRP\ub294 \ubc95\uc815 \uc0ac\uc720 \uc678 \uc911\ub3c4\uc778\ucd9c\uc774 \ubd88\uac00\ub2a5\ud574 \ub0a9\uc785 \uc804 \uc720\ub3d9\uc131 \uc810\uac80\uc774 \ud544\uc218\uc785\ub2c8\ub2e4<\/figcaption><figcaption style=\"font-size:11px;color:#bbb;margin-top:4px;text-align:center;\">AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">4. \uc2e4\uc81c \uacc4\uc0b0 \uc2dc\ub098\ub9ac\uc624: \ub9cc 34\uc138 \uc9c1\uc7a5\uc778, \uc5f0\ubd09 4,000\ub9cc \uc6d0<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc9c1\uc811 \uc22b\uc790\ub97c \ub300\uc785\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uac00\uc815:<\/strong> \ub9cc 34\uc138 \uc9c1\uc7a5\uc778, \ucd1d\uae09\uc5ec 4,000\ub9cc \uc6d0(\uacf5\uc81c\uc728 16.5%)<\/p>\n<table style=\"width:100%;border-collapse:collapse;margin:22px 0;font-size:17px;line-height:1.6;\">\n<thead>\n<tr>\n<th style=\"border:1px solid #dde1e8;padding:11px 12px;background:#f4f5f7;font-weight:700;text-align:left;\">\ub0a9\uc785 \uc804\ub7b5<\/th>\n<th style=\"border:1px solid #dde1e8;padding:11px 12px;background:#f4f5f7;font-weight:700;text-align:left;\">\ub0a9\uc785\uc561<\/th>\n<th style=\"border:1px solid #dde1e8;padding:11px 12px;background:#f4f5f7;font-weight:700;text-align:left;\">\uc138\uc561\uacf5\uc81c\uc561<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc5f0\uae08\uc800\ucd95\ub9cc 600\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">600\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">99\ub9cc \uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">\uc5f0\uae08\uc800\ucd95 600\ub9cc \uc6d0 + IRP 300\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">900\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">148\ub9cc 5\ucc9c \uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">IRP\ub9cc 900\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">900\ub9cc \uc6d0<\/td>\n<td style=\"border:1px solid #dde1e8;padding:11px 12px;\">148\ub9cc 5\ucc9c \uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc6d4\ub85c \ub098\ub204\uba74 \uc774\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:16px 0;padding-left:24px;\">\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\">\uc5f0\uae08\uc800\ucd95\ub9cc: \uc6d4 50\ub9cc \uc6d0 \ub0a9\uc785 \u2192 \uc5f0 99\ub9cc \uc6d0 \ud658\uae09<\/li>\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\">\uc5f0\uae08\uc800\ucd95+IRP \ub3d9\uc2dc: \uc6d4 75\ub9cc \uc6d0 \ub0a9\uc785 \u2192 \uc5f0 148\ub9cc 5\ucc9c \uc6d0 \ud658\uae09<\/li>\n<\/ul>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ub0a9\uc785\uc561 \ub300\ube44 \ud658\uae09\ub960\uc740 16.5%\ub85c \ub3d9\uc77c\ud558\uc9c0\ub9cc, \uc808\uc138 \ucd1d\uc561\uc740 IRP\ub97c \ucd94\uac00\ud560\uc218\ub85d \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">30\ub144 \ub0a9\uc785 \uc2dc \ud658\uae09\uae08\ub9cc \uc57d 2,970\ub9cc \uc6d0\uc5d0\uc11c 4,455\ub9cc \uc6d0 \ucc28\uc774\uac00 \ub0a9\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc5ec\uae30\uc5d0 \uc6b4\uc6a9 \uc218\uc775\uc758 \uacfc\uc138\uc774\uc5f0 \ud6a8\uacfc\uae4c\uc9c0 \ub354\ud558\uba74 \uc2e4\uc9c8 \ucc28\uc774\ub294 \ub354 \ubc8c\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">5. \uc5f0\uae08\uc800\ucd95 \uc885\ub958\ubcc4 \ucc28\uc774\ub294?<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc5f0\uae08\uc800\ucd95\uc740 \uc138 \uac00\uc9c0 \ud615\ud0dc\ub85c \ub098\ub269\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:16px 0;padding-left:24px;\">\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8<\/strong>: \ubcf4\ud5d8\uc0ac \ud310\ub9e4, \uc815\uae30\ub0a9\uc785\uc2dd, \uacf5\uc2dc\uc774\uc728 \uc801\uc6a9<\/li>\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc5f0\uae08\uc800\ucd95\ud380\ub4dc<\/strong>: \uc99d\uad8c\uc0ac\u00b7\uc740\ud589 \ud310\ub9e4, \uc790\uc720\ub0a9\uc785\uc2dd, \ud22c\uc790 \uc131\uacfc\uc5d0 \ub530\ub77c \uc218\uc775 \uacb0\uc815<\/li>\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc5f0\uae08\uc800\ucd95\uc2e0\ud0c1<\/strong>: \uc740\ud589 \ud310\ub9e4, \uc790\uc720\ub0a9\uc785\uc2dd (\ud604\uc7ac \uc2e0\uaddc \ud310\ub9e4 \uc911\ub2e8)<\/li>\n<\/ul>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">2026\ub144 \uae30\uc900 \uc5f0\uae08\uc800\ucd95 \uc804\uccb4 \uc801\ub9bd\uae08\uc740 \uc57d 198\uc870 2,000\uc5b5 \uc6d0\uc73c\ub85c \uc9d1\uacc4\ub410\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">2021\ub144 160\uc870 2,000\uc5b5 \uc6d0\uc5d0\uc11c 4\ub144 \ub9cc\uc5d0 23.7% \uc99d\uac00\ud55c \uc218\uce58\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc218\uc775\ub960\ub3c4 2025\ub144 \uae30\uc900 \uc804\uccb4 \ud3c9\uade0 10.6%\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uac19\uc740 \ud574 \ud1f4\uc9c1\uc5f0\uae08 \uc218\uc775\ub960 \uc0c1\uc704 10%\ub294 19.5%, \ud558\uc704 10%\ub294 0.5%\ub85c \uadf9\uba85\ud55c \ucc28\uc774\ub97c \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc0c1\uc704 10%\uc758 84%\uac00 ETF\ub098 TDF \uac19\uc740 \uc2e4\uc801\ubc30\ub2f9\ud615\uc73c\ub85c \uc6b4\uc6a9\ud55c \uacb0\uacfc\uc785\ub2c8\ub2e4.<\/p>\n<figure data-img=\"3\" style=\"margin:24px 0;\"><img decoding=\"async\" src=\"https:\/\/hom2box.com\/media\/a154-m486-1785056799530.webp\" alt=\"\ub178\ud6c4 \uc5f0\uae08\uc800\ucd95 \uc804\ub7b5\uc744 \ud568\uaed8 \uac80\ud1a0\ud558\ub294 30\ub300 \ubd80\ubd80\" style=\"width:100%;height:auto;display:block;border-radius:10px;\" \/><figcaption style=\"font-size:13px;color:#888;margin-top:6px;text-align:center;\">30\ub144 \ub0a9\uc785 \uc2dc \uc808\uc138\uc561 \ucc28\uc774\ub294 \uc218\ucc9c\ub9cc \uc6d0\uae4c\uc9c0 \ubc8c\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4<\/figcaption><figcaption style=\"font-size:11px;color:#bbb;margin-top:4px;text-align:center;\">AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">6. IRP\uc5d0\uc11c \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc0c1\ud488\uc740?<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">IRP\ub294 \uc608\uae08, \ucc44\uad8c\ud615 \ud380\ub4dc, ETF, TDF \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \ub2f4\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ub2e8, <strong style=\"font-weight:700;color:#000;\">\uc704\ud5d8\uc790\uc0b0(\uc8fc\uc2dd\ud615 \ud380\ub4dc\u00b7ETF) \ud3b8\uc785 \ube44\uc911\uc740 \ucd5c\ub300 70%\ub85c \uc81c\ud55c<\/strong>\ub429\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ub098\uba38\uc9c0 30% \uc774\uc0c1\uc740 \uc6d0\ub9ac\uae08 \ubcf4\uc7a5 \uc0c1\ud488\uc774\ub098 \ucc44\uad8c\ud615\uc73c\ub85c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc774 \uaddc\uc815 \ub54c\ubb38\uc5d0 IRP\ub294 100% \uc8fc\uc2dd ETF\ub85c \uc6b4\uc6a9\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ubc18\uba74 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 100% \uc8fc\uc2dd\ud615 ETF \ud3b8\uc785\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uacf5\uaca9\uc801\uc778 \uc218\uc775\uc744 \uc6d0\ud55c\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uac00 \ub354 \uc720\ub9ac\ud55c \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">7. \uc911\ub3c4\uc778\ucd9c\u00b7\ud574\uc9c0 \uc2dc \uc138\uae08\uc740 \uc5bc\ub9c8\uc778\uac00\uc694?<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc740 \ub0a9\uc785\uae08\uc744 \uc911\ub3c4\uc5d0 \ucc3e\uc73c\uba74 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc608\ub97c \ub4e4\uc5b4 \uc5f0\uae08\uc800\ucd95\uc5d0 3\ub144\uac04 1,800\ub9cc \uc6d0\uc744 \ub0a9\uc785\ud558\uace0 \uc138\uc561\uacf5\uc81c(297\ub9cc \uc6d0)\ub97c \ubc1b\uc740 \ub4a4 \ud574\uc9c0\ud558\uba74, 1,800\ub9cc \uc6d0\uc5d0 \ub300\ud574 16.5%\uc778 297\ub9cc \uc6d0\uc744 \uc138\uae08\uc73c\ub85c \ub2e4\uc2dc \ub0c5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ubc1b\uc740 \ud61c\ud0dd\uc744 \uace0\uc2a4\ub780\ud788 \ubc18\ub0a9\ud558\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">IRP\ub294 \uc911\ub3c4\uc778\ucd9c \uc790\uccb4\uac00 \ubd88\uac00\ub2a5\ud558\uace0, \ud574\uc9c0 \uc2dc\uc5d0\ub294 \uc804\uc561\uc5d0 \ub300\ud574 \uae30\ud0c0\uc18c\ub4dd\uc138\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uadf8\ub798\uc11c \ub450 \uacc4\uc88c \ubaa8\ub450 &#39;\ucd5c\uc18c \ub9cc 55\uc138\uae4c\uc9c0 \uc720\uc9c0\ud55c\ub2e4&#39;\ub294 \uc804\uc81c\ub85c \uac00\uc785\ud574\uc57c \uc808\uc138 \ud6a8\uacfc\uac00 \uc2e4\ud604\ub429\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">8. ISA \ub9cc\uae30 \uc790\uae08, \uc5f0\uae08\uc800\ucd95\u00b7IRP\ub85c \uc774\uccb4\ud558\uba74?<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">ISA \uacc4\uc88c\ub97c \ud574\uc9c0\ud55c \ub4a4 \ud604\uae08\uc744 \uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP\ub85c \uc774\uccb4\ud558\uba74 \ucd94\uac00 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">\uc774\uccb4 \uae08\uc561\uc758 10%(\ucd5c\ub300 300\ub9cc \uc6d0)\ub97c \ucd94\uac00 \uc138\uc561\uacf5\uc81c\ub85c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uae30\uc874 \uc5f0 900\ub9cc \uc6d0 \ud55c\ub3c4\uc640 \ubcc4\ub3c4\ub85c \uc801\uc6a9\ub418\ubbc0\ub85c \uc2e4\uc9c8 \ud55c\ub3c4\uac00 \ucd5c\ub300 1,200\ub9cc \uc6d0\uae4c\uc9c0 \ub298\uc5b4\ub0a9\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><a href=\"https:\/\/hom2box.com\/wordpress\/cma-account-vs-parking-account-comparison-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">CMA\u00b7\ud30c\ud0b9\ud1b5\uc7a5\uacfc \ub2e8\uae30 \uc790\uae08 \uc6b4\uc6a9\uc774 \uad81\uae08\ud558\ub2e4\uba74 \uc774 \uae00\uc744 \ucc38\uace0\ud558\uc138\uc694 \u2192<\/a><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><a href=\"https:\/\/hom2box.com\/wordpress\/savings-bank-4-percent-deposit-how-to-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">\uc800\ucd95\uc740\ud589 4% \uc608\uae08 \uc870\uac74\u00b7\ube44\uad50\uac00 \ud544\uc694\ud558\ub2e4\uba74 \uc774 \uae00\ub3c4 \ud568\uaed8 \ubcf4\uc138\uc694 \u2192<\/a><\/p>\n<hr>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">FAQ<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">Q. IRP\uc640 \uc5f0\uae08\uc800\ucd95\uc744 \ub3d9\uc2dc\uc5d0 \uac00\uc785\ud558\uba74 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uac00 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\ub450 \uacc4\uc88c\ub97c \ud569\uc0b0\ud574 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uae08\uc800\ucd95\uc5d0 600\ub9cc \uc6d0, IRP\uc5d0 300\ub9cc \uc6d0\uc744 \ub098\ub220 \ub123\uac70\ub098, IRP \ub2e8\ub3c5\uc73c\ub85c 900\ub9cc \uc6d0\uc744 \ub123\uc5b4\ub3c4 \uacb0\uacfc\ub294 \uac19\uc2b5\ub2c8\ub2e4. 900\ub9cc \uc6d0\uc744 \ucd08\uacfc\ud558\ub294 \ub0a9\uc785\uc561\uc740 \uacf5\uc81c \ub300\uc0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">Q. \uc9c1\uc7a5\uc778\uc774 \uc544\ub2cc \uc8fc\ubd80\ub098 \ud559\uc0dd\ub3c4 \uc5f0\uae08\uc800\ucd95\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc5f0\uae08\uc800\ucd95\uc740 \uc18c\ub4dd\uc774 \uc5c6\uc5b4\ub3c4 \uac00\uc785 \uac00\ub2a5\ud569\ub2c8\ub2e4. 2026\ub144 \uae30\uc900 20\uc138 \ubbf8\ub9cc \uac00\uc785\uc790\uac00 \uc804\ub144 \ub300\ube44 53.4% \uc99d\uac00\ud574 13\ub9cc 5,000\uba85\uc5d0 \ub2ec\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \uc18c\ub4dd\uc774 \uc5c6\uc73c\uba74 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \uc9c1\uc811 \ubc1b\uae30 \uc5b4\ub835\uace0, IRP\ub294 \uadfc\ub85c\u00b7\uc0ac\uc5c5\uc18c\ub4dd\uc774 \uc788\uc5b4\uc57c \uac00\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">Q. \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uc640 IRP \uc911 \uc218\uc775\uc744 \ub354 \ub192\uc774\ub824\uba74 \uc5b4\ub514\uac00 \ub098\uc740\uac00\uc694?<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uacf5\uaca9\uc801\uc778 \uc6b4\uc6a9\uc744 \uc6d0\ud55c\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\uac00 \uc720\ub9ac\ud569\ub2c8\ub2e4. IRP\ub294 \uc704\ud5d8\uc790\uc0b0 \ud3b8\uc785 \ube44\uc911\uc774 \ucd5c\ub300 70%\ub85c \uc81c\ud55c\ub418\uc9c0\ub9cc, \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\ub294 100% \uc8fc\uc2dd\ud615 ETF \ud3b8\uc785\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. 2025\ub144 \uae30\uc900 \ud1f4\uc9c1\uc5f0\uae08 \uc218\uc775\ub960 \uc0c1\uc704 10%\ub294 ETF\u00b7TDF \uc2e4\uc801\ubc30\ub2f9\ud615\uc73c\ub85c 19.5%\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">Q. \uc5f0\uae08\uc800\ucd95\uc744 \uc911\ub3c4\uc5d0 \ud574\uc9c0\ud558\uba74 \uc190\ud574\uac00 \uc5bc\ub9c8\ub098 \ub418\ub098\uc694?<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc740 \ub0a9\uc785\uae08\uacfc \uc6b4\uc6a9 \uc218\uc775 \uc804\uccb4\uc5d0 \uae30\ud0c0\uc18c\ub4dd\uc138 16.5%\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc774\ubbf8 \ub3cc\ub824\ubc1b\uc740 \uc138\uc561\uacf5\uc81c\uc561\uc744 \uace0\uc2a4\ub780\ud788 \ubc18\ub0a9\ud558\ub294 \uad6c\uc870\ub77c \uc2e4\uc9c8 \uc190\ud574\uac00 \ud07d\ub2c8\ub2e4. \ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud558\uba74 \uc5f0\uae08\uc18c\ub4dd\uc138 3.3~5.5%\ub9cc \uc801\uc6a9\ub3fc \uc138 \ubd80\ub2f4\uc774 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\"><strong style=\"font-weight:700;color:#000;\">Q. IRP\ub294 \uc5b4\ub514\uc11c \uac1c\uc124\ud560 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc740\ud589\u00b7\uc99d\uad8c\uc0ac\u00b7\ubcf4\ud5d8\uc0ac \ubaa8\ub450 IRP\ub97c \ucde8\uae09\ud569\ub2c8\ub2e4. \uc6b4\uc6a9 \uc0c1\ud488 \uc120\ud0dd\ud3ed\uc740 \uc99d\uad8c\uc0ac\uac00 \ub113\uace0, \uc548\uc815\ud615 \uc608\uae08 \uc704\uc8fc\ub77c\uba74 \uc740\ud589\ub3c4 \ubb34\ubc29\ud569\ub2c8\ub2e4. <a href=\"https:\/\/100lifeplan.fss.or.kr\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">\uae08\uc735\uac10\ub3c5\uc6d0 \ud1b5\ud569\uc5f0\uae08\ud3ec\ud138<\/a>\uc5d0\uc11c \uae08\uc735\uc0ac\ubcc4 \uc218\uc775\ub960\uc744 \ube44\uad50\ud55c \ub4a4 \uac1c\uc124\ud558\ub294 \uac83\uc774 \ud569\ub9ac\uc801\uc785\ub2c8\ub2e4.<\/p>\n<hr>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">\ub9c8\ubb34\ub9ac<\/h2>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc5f0\uae08\uc800\ucd95\uacfc IRP, \ub458 \ub2e4 \uc788\uc73c\uba74 \uc88b\uace0 \ud558\ub098\ub9cc \ud574\uc57c \ud55c\ub2e4\uba74 \uc720\ub3d9\uc131\ubd80\ud130 \ub530\uc9c0\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">\uc9c0\uae08 \ub2f9\uc7a5 \ubaa9\ub3c8\uc774 \ubb36\uc774\ub294 \uac8c \ubd88\uc548\ud558\ub2e4\uba74 \uc5f0\uae08\uc800\ucd95 600\ub9cc \uc6d0\ubd80\ud130, \uc5ec\ub825\uc774 \ub41c\ub2e4\uba74 IRP\uae4c\uc9c0 \ucc44\uc6cc 148\ub9cc 5\ucc9c \uc6d0\uc758 \ud658\uae09\uc744 \ubaa9\ud45c\ub85c \uc0bc\uc73c\uc2dc\uae38 \uad8c\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">30\ub144\uc774\ub77c\ub294 \uc2dc\uac04\uc774 \uc774 \ucc28\uc774\ub97c \uc218\ucc9c\ub9cc \uc6d0\uc73c\ub85c \ubc8c\ub824 \ub193\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-size:26px;font-weight:800;line-height:1.4;margin:38px 0 16px;color:#151515;border-left:6px solid #1a1a1a;padding-left:14px;\">\ucc38\uace0\uc790\ub8cc<\/h2>\n<ul style=\"margin:16px 0;padding-left:24px;\">\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\"><a href=\"https:\/\/www.hankyung.com\/article\/2026063060041\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">MZ\ub4e4\ub3c4 \uaf42\ud78c \uc5f0\uae08\uc800\ucd95\u2026\uc5f0 600\ub9cc\uc6d0 \ub123\uc73c\uba74 \ucd5c\ub300 99\ub9cc\uc6d0 \uc808\uc138 (\ud55c\uad6d\uacbd\uc81c, 2026.06.30)<\/a><\/li>\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\"><a href=\"https:\/\/www.ytn.co.kr\/_ln\/0102_202606301045409623\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">\ud1f4\uc9c1\uc5f0\uae08\ub3c4 &#39;\ub300\ubc15&#39;\uacfc &#39;\ucabd\ubc15&#39; \uc0ac\uc774..\uc218\uc775\ub960 \uc0c1\uc704 10%\ub294 \ubb58 \uc0c0\uc744\uae4c? (YTN, 2026.06.30)<\/a><\/li>\n<li style=\"font-size:18px;line-height:1.85;margin:9px 0;color:#222;\"><a href=\"https:\/\/shindonga.donga.com\/3\/all\/13\/6289435\/1\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#1a56db;text-decoration:underline;font-weight:600;\">\uae09\uc5ec \uc778\uc0c1\ubcf4\ub2e4 &#39;\ubc30\ubd84&#39; \uc911\uc694, \uc6d4 150\ub9cc \uc6d0 \ubc30\ubd84\uc5d0 \ub2f5 \uc788\ub2e4 (\uc2e0\ub3d9\uc544, 2026.07.07)<\/a><\/li>\n<\/ul>\n<p style=\"font-size:18px;line-height:1.9;margin:16px 0;color:#222;\">#IRP\uc5f0\uae08\uc800\ucd95\ucc28\uc774 #\uc138\uc561\uacf5\uc81c\ube44\uad50 #IRP\uc138\uc561\uacf5\uc81c #\uc5f0\uae08\uc800\ucd95\uc138\uc561\uacf5\uc81c #\uc5f0\ub9d0\uc815\uc0b0\uc808\uc138 #IRP\uac00\uc785\ubc29\ubc95 #\uc5f0\uae08\uc800\ucd95\ud380\ub4dc #\ud1f4\uc9c1\uc5f0\uae08 #\uac1c\uc778\ud615\ud1f4\uc9c1\uc5f0\uae08 #\uc808\uc138\uacc4\uc88c #\ub178\ud6c4\uc900\ube44 #\uc5f0\uae08\uc800\ucd95IRP\ube44\uad50 #\uc138\uc561\uacf5\uc81c\ud55c\ub3c4 #\uc5f0\uae08\uc800\ucd95\uc911\ub3c4\uc778\ucd9c #IRP\uc911\ub3c4\uc778\ucd9c #\uc5f0\uae08\uc800\ucd95\ubcf4\ud5d8 #\uc5f0\uae08\uc800\ucd95\ud380\ub4dcETF #ISA\uc5f0\uae08\uc800\ucd95\uc774\uccb4 #\ub178\ud6c4\uc790\uc0b0 #\uc5f0\ub9d0\uc815\uc0b0\ud658\uae09 #2026\uc138\uc561\uacf5\uc81c #\uc9c1\uc7a5\uc778\uc808\uc138 #\uc5f0\uae08\uc800\ucd95\uac00\uc785 #IRP\uac1c\uc124 #\ud1f4\uc9c1\uc5f0\uae08\uc218\uc775\ub960 #\uc5f0\uae08\uc800\ucd95\uc801\ub9bd\uae08 #\uc808\uc138\ud22c\uc790 #\uc5f0\uae08\uacc4\uc88c\ube44\uad50 #\uac1c\uc778\uc5f0\uae08<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\uc5f0\uae08\uc800\ucd95\uc740 \uc5f0 600\ub9cc \uc6d0, IRP\ub294 \uc5f0 900\ub9cc \uc6d0\uae4c\uc9c0 \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\uac00 \uc801\uc6a9\ub418\uba70 \ub458\uc744 \ud569\uc0b0\ud574\ub3c4 900\ub9cc \uc6d0\uc774 \uc0c1\ud55c\uc120\uc785\ub2c8\ub2e4.<br \/>\n\ucd1d\uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558\ub77c\uba74 \uacf5\uc81c\uc728 16.5%, \ucd08\uacfc\ub77c\uba74 13.2%\uac00 \uc801\uc6a9\ub418\uc5b4 \ucd5c\ub300 148\ub9cc 5\ucc9c \uc6d0\uc744 \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\uc911\ub3c4\uc778\ucd9c\uc740 \uc5f0\uae08\uc800\ucd95\ub9cc \uac00\ub2a5\ud558\uace0 IRP\ub294 \ubc95\uc815 \uc0ac\uc720 \uc678\uc5d0\ub294 \uacc4\uc88c \uc804\uccb4\ub97c \ud574\uc9c0\ud574\uc57c \ud574\uc11c, \uc720\ub3d9\uc131\uc774 \ud544\uc694\ud55c \uc0ac\ub78c\uc740 \uc5f0\uae08\uc800\ucd95\ubd80\ud130 \ucc44\uc6b0\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[1713,1597,1710,1712,1592,1714,1711,1593,1709,1590],"class_list":["post-292","post","type-post","status-publish","format-standard","hentry","category-4","tag-irp","tag-1597","tag-1710","tag-1712","tag-1592","tag-1714","tag-1711","tag-1593","tag-1709","tag-1590"],"_links":{"self":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/posts\/292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/comments?post=292"}],"version-history":[{"count":0,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/posts\/292\/revisions"}],"wp:attachment":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/media?parent=292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/categories?post=292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/tags?post=292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}