{"id":2243,"date":"2026-01-12T02:21:13","date_gmt":"2026-01-11T17:21:13","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/"},"modified":"2026-01-12T02:23:39","modified_gmt":"2026-01-11T17:23:39","slug":"post-20260111-172113-9423","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/","title":{"rendered":"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144)"},"content":{"rendered":"

–<\/strong>\uc9c0\ub09c\ud574 \ud559\uc220\ub300\ud68c\uc5d0\uc11c \uad6d\ubbfc\uc5f0\uae08\uc744 \u2018\ud3f0\uc9c0 \uac8c\uc784\u2019\uc5d0 \ube44\uc720\ud574 \ud30c\uc7a5\uc744 \ub0b3\uc558\ub2e4.<\/strong><\/span><\/p>\n

\u25b3 \uacf5\ubb34\uc6d0\uc744 \ud3ec\ud568\ud574 \ub2e4\uc218\uc758 \uc0ac\ub78c\ub4e4\uc774 \ucda9\uaca9\uc744 \ubc1b\uc558\uace0 \ubf08\uc544\ud508 \uc9c0\uc801\uc5d0 \ubc18\uac10\uc744 \uac00\uc84c\ub2e4\ub294 \ub9d0\uc744 \ub4e4\uc5c8\ub2e4. <\/strong><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc5d0 \ub300\ud55c \ubd88\uc2e0\uc744 \uc2ec\ud654\uc2dc\ud0ac \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub3c4 \uc804\ud574\ub4e4\uc5c8\ub2e4. \ub098\ub294 \uacfc\uaca9\ud30c\uac00 \uc544\ub2c8\ub2e4. \uc628\uac74\ud55c \uc8fc\uc7a5\uc774 \ud1b5\ud560 \uc218 \uc788\uc73c\uba74 \uc88b\uaca0\uc9c0\ub9cc \uc5f0\uae08 \uc7ac\uc815 \uc0c1\ud669\uc774 \ub108\ubb34 \uc2ec\uac01\ud558\ub2e4. <\/strong><\/span><\/p>\n

\ub354 \ud070 \ubb38\uc81c\ub294 \uc774\ub7f0 \uc2ec\uac01\uc131\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc54c\ub824\uc57c \ud560 \uc804\ubb38\uac00\uc758 \uc0c1\ub2f9\uc218\uac00 \uc785\uc744 \ub2eb\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. <\/strong><\/span><\/p>\n

\ud559\uc790\uc758 \uc591\uc2ec\uc5d0 \ube44\ucdb0 \uac15\ub825\ud558\uac8c \ubb38\uc81c\ub97c \uc81c\uae30\ud558\uc9c0 \uc54a\uc73c\uba74 \uc548 \ub418\uaca0\ub2e4\ub294 \uc0dd\uac01\uc774 \ub4e4\uc5c8\ub2e4. \uadf8\ub300\ub85c \ub194\ub450\uba74 \ubbf8\ub798\uc5d0 \ubc18\ub4dc\uc2dc \ud130\uc9c8 \uc2dc\ud55c\ud3ed\ud0c4 \uc544\ub2cc\uac00.<\/strong><\/span><\/p>\n

-\uacfc\ub3c4\ud55c \ud45c\ud604\uc774 \uc544\ub2cc\uac00.<\/strong><\/span><\/p>\n

\u25b3\uc55e\uc120 \uc138\ub300\uc758 \uc5f0\uae08 \uc218\uae09\uc790\ub4e4\uc740 \ube44\uc815\uc0c1\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5 \ubc1b\uace0 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ud3f0\uc9c0 \uac8c\uc784\uacfc \uac19\uc740 \uc5f0\uae08 \uc81c\ub3c4\ub294 \uc9c0\uc18d \uac00\ub2a5\ud560 \uc218 \uc5c6\ub2e4. <\/strong><\/span><\/p>\n

\ub204\uad70\uac00\uac00 \ubc1b\ub294 \uacfc\ub3c4\ud55c \ud61c\ud0dd\ub9cc\ud07c \uba54\uc6cc\uc57c \ud558\ub294\ub370 \uadf8\uac8c \ubc14\ub85c \ubbf8\ub798 \uc138\ub300\ub2e4. \ubbf8\ub798 \uc138\ub300\ub294 \uacfc\uac70 \uc138\ub300\uc758 \ud61c\ud0dd\uc744 \uba54\uc6b0\ub294 \ud76c\uc0dd\uc790\uac00 \ub41c\ub2e4. \uc790\uadf9\uc801 \ud45c\ud604\uc774\uc9c0\ub9cc \ud2c0\ub9b0 \ub9d0\uc774 \uc544\ub2c8\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/strong><\/span><\/p>\n

-\uad6d\ubbfc\uc5f0\uae08 \uc7ac\uc815\uc774 \uc5bc\ub9c8\ub098 \uc2ec\uac01\ud558\ub2e4\ub294 \uac83\uc778\uac00.<\/strong><\/span><\/p>\n

\u25b3\uad6d\ubbfc\uc5f0\uae08 \uae30\uae08\uc740 \uc57d 950\uc870 \uc6d0(2021\ub144 \ub9d0 \uae30\uc900)\uc5d0 \uc774\ub974\uace0 \uc55e\uc73c\ub85c \uc0c1\ub2f9 \uae30\uac04 \ub354 \uc313\uc77c \uac83\uc774\ub2e4. \uadf8\ub7ec\ub098 \uacf5\uac1c\ub41c \uae30\uae08\uc740 \uc218\uba74 \uc704 \ube59\uc0b0\uc758 \uc77c\uac01\uc774\ub2e4. <\/strong><\/span><\/p>\n

\ube60\ub974\uac8c \ub298\uc5b4\ub098\ub294 \uae30\uae08\uc740 \uad6d\ubbfc\uc758 \uc778\uc2dd\uc744 \ud638\ub3c4\ud55c\ub2e4. \uc5bc\ud54f \uc7ac\uc815 \uc0c1\ud669\uc774 \uac74\uc804\ud55c \uac83\uc73c\ub85c \ubcf4\uc774\uac8c \ud558\uc9c0\ub9cc \uc218\uba74 \uc544\ub798\uc758 \ube59\uc0b0\uc744 \ubd10\uc57c \ud55c\ub2e4. <\/strong><\/span><\/p>\n

\ubb3c\ubc11\uc758 \ube59\uc0b0\uc740 \uc7a0\uc7ac \ubd80\ucc44, \uc989 \uc55e\uc73c\ub85c \uc9c0\uae09\ud574\uc57c \ud558\ub294\ub370\ub3c4 \uc313\uc544\ub450\uc9c0 \uc54a\uc740 \ubbf8\uc801\ub9bd \ubd80\ucc44\ub97c \ub9d0\ud55c\ub2e4. 4\ub144 \uc804 \uae30\uc900\uc73c\ub85c 1500\uc870 \uc6d0\uc5d0 \uc774\ub978\ub2e4. <\/strong><\/span><\/p>\n

\uae30\uae08\uc740 2042\ub144 \uc815\uc810\uc744 \ucc0d\uace0 \uc904\uc5b4\ub4e4\uac8c \ub418\uc9c0\ub9cc \uc7a0\uc7ac \ubd80\ucc44\ub294 \uacc4\uc18d\ud574\uc11c \ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub09c\ub2e4. \uc7a0\uc7ac \ubd80\ucc44 \ubb38\uc81c\ub97c \ud574\uc18c\ud558\uc9c0 \uc54a\uace0 \ub2e8\uc21c\ud788 \uae30\uae08 \uace0\uac08\uc744 \ub9c9\ub294 \uc815\ub3c4\uc758 \ud604\uc0c1 \uc720\uc9c0\uc5d0 \ud544\uc694\ud55c \ubcf4\ud5d8\ub8cc\uc728\uc774 \uc9c0\uae08\uc758 \ub450 \ubc30\uc778 18%\ub2e4. <\/strong><\/span><\/p>\n

2030\ub144\uc5d0\ub294 22%\ub85c, \uae30\uae08\uc774 \uace0\uac08\ub418\ub294 2057\ub144\uc5d0\ub294 28%\ub85c \uc62c\ub77c\uac00\uc57c \ud55c\ub2e4. \uc774\ub9c8\uc800\ub3c4 4\ub144 \uc804 \ub099\uad00\uc801 \uc2dc\ub098\ub9ac\uc624\ub2e4. \ud604\uc7ac \uae30\uc900\uc73c\ub85c\ub294 30%\ub97c \ud6cc\uca4d \ub118\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/strong><\/span><\/p>\n

https:\/\/m.sedaily.com\/NewsView\/269X87RUB4<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

–\uc9c0\ub09c\ud574 \ud559\uc220\ub300\ud68c\uc5d0\uc11c \uad6d\ubbfc\uc5f0\uae08\uc744 \u2018\ud3f0\uc9c0 \uac8c\uc784\u2019\uc5d0 \ube44\uc720\ud574 \ud30c\uc7a5\uc744 \ub0b3\uc558\ub2e4. \u25b3 \uacf5\ubb34\uc6d0\uc744 \ud3ec\ud568\ud574 \ub2e4\uc218\uc758 \uc0ac\ub78c\ub4e4\uc774 \ucda9\uaca9\uc744 \ubc1b\uc558\uace0 \ubf08\uc544\ud508 \uc9c0\uc801\uc5d0 \ubc18\uac10\uc744 \uac00\uc84c\ub2e4\ub294 \ub9d0\uc744 \ub4e4\uc5c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc5d0 \ub300\ud55c \ubd88\uc2e0\uc744 \uc2ec\ud654\uc2dc\ud0ac \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub3c4 \uc804\ud574\ub4e4\uc5c8\ub2e4. \ub098\ub294 \uacfc\uaca9\ud30c\uac00 \uc544\ub2c8\ub2e4. \uc628\uac74\ud55c \uc8fc\uc7a5\uc774 \ud1b5\ud560 \uc218 \uc788\uc73c\uba74 \uc88b\uaca0\uc9c0\ub9cc \uc5f0\uae08 \uc7ac\uc815 \uc0c1\ud669\uc774 \ub108\ubb34 \uc2ec\uac01\ud558\ub2e4. \ub354 \ud070 \ubb38\uc81c\ub294 \uc774\ub7f0 \uc2ec\uac01\uc131\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc54c\ub824\uc57c \ud560 \uc804\ubb38\uac00\uc758 \uc0c1\ub2f9\uc218\uac00 \uc785\uc744 \ub2eb\uace0 […]<\/p>\n","protected":false},"author":11,"featured_media":2242,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"bBlocksCursorData":"","_kadence_starter_templates_imported_post":false,"footnotes":""},"categories":[9,10],"tags":[],"class_list":["post-2243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"\n\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144) - \uc5f0\uae08\uc5f0\uad6c\ud68c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144) - \uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"og:description\" content=\"–\uc9c0\ub09c\ud574 \ud559\uc220\ub300\ud68c\uc5d0\uc11c \uad6d\ubbfc\uc5f0\uae08\uc744 \u2018\ud3f0\uc9c0 \uac8c\uc784\u2019\uc5d0 \ube44\uc720\ud574 \ud30c\uc7a5\uc744 \ub0b3\uc558\ub2e4. \u25b3 \uacf5\ubb34\uc6d0\uc744 \ud3ec\ud568\ud574 \ub2e4\uc218\uc758 \uc0ac\ub78c\ub4e4\uc774 \ucda9\uaca9\uc744 \ubc1b\uc558\uace0 \ubf08\uc544\ud508 \uc9c0\uc801\uc5d0 \ubc18\uac10\uc744 \uac00\uc84c\ub2e4\ub294 \ub9d0\uc744 \ub4e4\uc5c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc5d0 \ub300\ud55c \ubd88\uc2e0\uc744 \uc2ec\ud654\uc2dc\ud0ac \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub3c4 \uc804\ud574\ub4e4\uc5c8\ub2e4. \ub098\ub294 \uacfc\uaca9\ud30c\uac00 \uc544\ub2c8\ub2e4. \uc628\uac74\ud55c \uc8fc\uc7a5\uc774 \ud1b5\ud560 \uc218 \uc788\uc73c\uba74 \uc88b\uaca0\uc9c0\ub9cc \uc5f0\uae08 \uc7ac\uc815 \uc0c1\ud669\uc774 \ub108\ubb34 \uc2ec\uac01\ud558\ub2e4. \ub354 \ud070 \ubb38\uc81c\ub294 \uc774\ub7f0 \uc2ec\uac01\uc131\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc54c\ub824\uc57c \ud560 \uc804\ubb38\uac00\uc758 \uc0c1\ub2f9\uc218\uac00 \uc785\uc744 \ub2eb\uace0 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-11T17:21:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-11T17:23:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"465\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"smy1985\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"smy1985\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\"},\"author\":{\"name\":\"smy1985\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1\"},\"headline\":\"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144)\",\"datePublished\":\"2026-01-11T17:21:13+00:00\",\"dateModified\":\"2026-01-11T17:23:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\"},\"wordCount\":10,\"publisher\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg\",\"articleSection\":[\"\uc778\uc0ac\uc774\ud2b8\",\"\uc804\ubb38\uac00 \uce7c\ub7fc\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\",\"url\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\",\"name\":\"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144) - \uc5f0\uae08\uc5f0\uad6c\ud68c\",\"isPartOf\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg\",\"datePublished\":\"2026-01-11T17:21:13+00:00\",\"dateModified\":\"2026-01-11T17:23:39+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage\",\"url\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg\",\"contentUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg\",\"width\":640,\"height\":465},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\ud648\",\"item\":\"https:\/\/www.pensionfutureforum.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#website\",\"url\":\"https:\/\/www.pensionfutureforum.org\/\",\"name\":\"\uc5f0\uae08\uc5f0\uad6c\ud68c\",\"description\":\"\uc138\ub300\uc640 \uc138\ub300\ub97c \uc787\ub294 \uc5f0\uae08, \ubbf8\ub798\ub97c \uc704\ud55c \uad6c\uc870\ub97c \uc5f0\uad6c\ud569\ub2c8\ub2e4.\",\"publisher\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.pensionfutureforum.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#organization\",\"name\":\"\uc5f0\uae08\uc5f0\uad6c\ud68c\",\"url\":\"https:\/\/www.pensionfutureforum.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png\",\"contentUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png\",\"width\":784,\"height\":248,\"caption\":\"\uc5f0\uae08\uc5f0\uad6c\ud68c\"},\"image\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1\",\"name\":\"smy1985\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g\",\"caption\":\"smy1985\"},\"url\":\"https:\/\/www.pensionfutureforum.org\/index.php\/author\/smy1985\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144) - \uc5f0\uae08\uc5f0\uad6c\ud68c","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/","og_locale":"ko_KR","og_type":"article","og_title":"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144) - \uc5f0\uae08\uc5f0\uad6c\ud68c","og_description":"–\uc9c0\ub09c\ud574 \ud559\uc220\ub300\ud68c\uc5d0\uc11c \uad6d\ubbfc\uc5f0\uae08\uc744 \u2018\ud3f0\uc9c0 \uac8c\uc784\u2019\uc5d0 \ube44\uc720\ud574 \ud30c\uc7a5\uc744 \ub0b3\uc558\ub2e4. \u25b3 \uacf5\ubb34\uc6d0\uc744 \ud3ec\ud568\ud574 \ub2e4\uc218\uc758 \uc0ac\ub78c\ub4e4\uc774 \ucda9\uaca9\uc744 \ubc1b\uc558\uace0 \ubf08\uc544\ud508 \uc9c0\uc801\uc5d0 \ubc18\uac10\uc744 \uac00\uc84c\ub2e4\ub294 \ub9d0\uc744 \ub4e4\uc5c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc5d0 \ub300\ud55c \ubd88\uc2e0\uc744 \uc2ec\ud654\uc2dc\ud0ac \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub3c4 \uc804\ud574\ub4e4\uc5c8\ub2e4. \ub098\ub294 \uacfc\uaca9\ud30c\uac00 \uc544\ub2c8\ub2e4. \uc628\uac74\ud55c \uc8fc\uc7a5\uc774 \ud1b5\ud560 \uc218 \uc788\uc73c\uba74 \uc88b\uaca0\uc9c0\ub9cc \uc5f0\uae08 \uc7ac\uc815 \uc0c1\ud669\uc774 \ub108\ubb34 \uc2ec\uac01\ud558\ub2e4. \ub354 \ud070 \ubb38\uc81c\ub294 \uc774\ub7f0 \uc2ec\uac01\uc131\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc54c\ub824\uc57c \ud560 \uc804\ubb38\uac00\uc758 \uc0c1\ub2f9\uc218\uac00 \uc785\uc744 \ub2eb\uace0 […]","og_url":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/","og_site_name":"\uc5f0\uae08\uc5f0\uad6c\ud68c","article_published_time":"2026-01-11T17:21:13+00:00","article_modified_time":"2026-01-11T17:23:39+00:00","og_image":[{"width":640,"height":465,"url":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg","type":"image\/jpeg"}],"author":"smy1985","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"smy1985"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#article","isPartOf":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/"},"author":{"name":"smy1985","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1"},"headline":"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144)","datePublished":"2026-01-11T17:21:13+00:00","dateModified":"2026-01-11T17:23:39+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/"},"wordCount":10,"publisher":{"@id":"https:\/\/www.pensionfutureforum.org\/#organization"},"image":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg","articleSection":["\uc778\uc0ac\uc774\ud2b8","\uc804\ubb38\uac00 \uce7c\ub7fc"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/","url":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/","name":"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144) - \uc5f0\uae08\uc5f0\uad6c\ud68c","isPartOf":{"@id":"https:\/\/www.pensionfutureforum.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage"},"image":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg","datePublished":"2026-01-11T17:21:13+00:00","dateModified":"2026-01-11T17:23:39+00:00","breadcrumb":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#primaryimage","url":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg","contentUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/01\/1768151918969.jpg","width":640,"height":465},{"@type":"BreadcrumbList","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/12\/post-20260111-172113-9423\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\ud648","item":"https:\/\/www.pensionfutureforum.org\/"},{"@type":"ListItem","position":2,"name":"\u201c\uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601, \ub610 \ud5c8\uc1a1\ud558\uba74 \ubaa8\ub450\uac00 \ubd88\ud589\ud55c \ud30c\uad6d \uc628\ub2e4\u201d [\uccad\ub860\uc9c1\uc124] (2022\ub144)"}]},{"@type":"WebSite","@id":"https:\/\/www.pensionfutureforum.org\/#website","url":"https:\/\/www.pensionfutureforum.org\/","name":"\uc5f0\uae08\uc5f0\uad6c\ud68c","description":"\uc138\ub300\uc640 \uc138\ub300\ub97c \uc787\ub294 \uc5f0\uae08, \ubbf8\ub798\ub97c \uc704\ud55c \uad6c\uc870\ub97c \uc5f0\uad6c\ud569\ub2c8\ub2e4.","publisher":{"@id":"https:\/\/www.pensionfutureforum.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pensionfutureforum.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/www.pensionfutureforum.org\/#organization","name":"\uc5f0\uae08\uc5f0\uad6c\ud68c","url":"https:\/\/www.pensionfutureforum.org\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png","contentUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png","width":784,"height":248,"caption":"\uc5f0\uae08\uc5f0\uad6c\ud68c"},"image":{"@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1","name":"smy1985","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g","caption":"smy1985"},"url":"https:\/\/www.pensionfutureforum.org\/index.php\/author\/smy1985\/"}]}},"_links":{"self":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts\/2243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/comments?post=2243"}],"version-history":[{"count":1,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts\/2243\/revisions"}],"predecessor-version":[{"id":2244,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts\/2243\/revisions\/2244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/media\/2242"}],"wp:attachment":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/media?parent=2243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/categories?post=2243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/tags?post=2243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}