{"id":2354,"date":"2026-01-22T01:47:21","date_gmt":"2026-01-21T16:47:21","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/22\/post-20260121-164721-4679\/"},"modified":"2026-01-22T01:47:21","modified_gmt":"2026-01-21T16:47:21","slug":"post-20260121-164721-4679","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/22\/post-20260121-164721-4679\/","title":{"rendered":"\uad6d\ubbfc\uc5f0\uae08, \uad6d\ub0b4 \uc8fc\uc2dd \ud22c\uc790 \ube44\uc911 \ub192\uc774\ub098\u2026\ub9c8\uc911\ubb3c vs \uae30\uae08 \uace0\uac08 (2026\ub144 1\uc6d421\uc77c)"},"content":{"rendered":"<p dir=\"ltr\"><span style=\"font-size: 20px;background-color: #ffff99\"><strong>\ud55c\ud3b8, \uad6d\ubbfc\uc5f0\uae08 \uc804\ubb38\uac00\ub4e4\uc740 \uad6d\ub0b4 \ud22c\uc790 \ube44\uc911 \ud655\ub300\uc5d0 \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\ub97c \ub0b4\uace0 \uc788\ub2e4. \uad6d\ubbfc \ub178\ud6c4\ub97c \uc704\ud55c \uad6d\ubbfc\uc5f0\uae08\uc744 \uc8fc\uc2dd \ubd80\uc591\uc744 \uc704\ud55c \uc815\ucc45\uc801 \ubaa9\uc801\uc73c\ub85c \uc4f0\uba74 \uc548 \ub41c\ub2e4\ub294 \uc758\uacac\uc774\ub2e4.<\/strong><\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: 20px;background-color: #ffff99\"><strong>\uae40\ud559\uc8fc \ub3d9\uad6d\ub300 \uc0ac\ud68c\ubcf5\uc9c0\ud559\uacfc \uad50\uc218\ub294 &#8220;\uc815\ubd80\uc758 \uc785\uae40\uc5d0 \ud22c\uc790\ub97c \ub298\ub9ac\ub294 \uac83\uc740 \uc815\ucc45\uc801 \ud310\ub2e8\uc5d0 \uc5f0\uae08\uc744 \ub3d9\uc6d0\ud558\ub294 \uac83&#8221;\uc774\ub77c\uba70 &#8220;\uacbd\uc81c, \uace0\uc6a9, \uc18c\ub4dd\uc774 \uc774\ubbf8 \uad6d\ub0b4 \uacbd\uae30\uc640 \uac15\ud558\uac8c \uc5f0\ub3d9\ub3fc \uc788\ub294\ub370 \uc5f0\uae08 \uc790\uc0b0\uae4c\uc9c0 \uad6d\ub0b4 \uc790\uc0b0\uc5d0 \ubb36\uc774\uba74 \uacbd\uae30\uac00 \uce68\uccb4\ub410\uc744 \ub54c \ub9c8\uc9c0\ub9c9 \ubcf4\ub8e8\uc778 \uc5f0\uae08\ub9c8\uc800 \uc904 \uc218 \uc788\ub2e4&#8221;\uace0 \uc124\uba85\ud588\ub2e4.<\/strong><\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: 20px;background-color: #ffff99\"><strong>(\uc911\ub7b5)<\/strong><\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: 20px;background-color: #ffff99\"><strong>\uae40 \uad50\uc218\ub294 &#8220;\uc8fc\uc2dd\uc2dc\uc7a5 \ube44\uc911\uc774 15%\uac00 \ub118\ub294 \uc0c1\ud669\uc5d0\uc11c \ub9e4\ub3c4\ud574\uc57c \ud558\ub294\ub370 10% \ub118\ub294 \uaddc\ubaa8\ub97c \ubc1b\uc544\uc904 \uc218 \uc788\ub294 \uc678\uad6d\uc778\uc774\ub098 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc774 \uc5c6\uc744 \uac83&#8221;\uc774\ub77c\uba70 &#8220;\uc6b4\uc6a9 \ubc29\ud5a5\uc774 \uc815\ucc45\uc5d0 \ub530\ub77c \ud754\ub4e4\ub9b0\ub2e4\ub294 \uc2e0\ud638 \uc790\uccb4\uac00 \uc2dc\uc7a5\uc758 \uac00\uaca9 \ud615\uc131\uacfc \uc704\ud5d8 \uc778\uc2dd\uc5d0 \uc65c\uace1\uc744 \uc904 \uc218 \uc788\ub2e4&#8221;\uace0 \uc9c0\uc801\ud588\ub2e4.<\/strong><\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: 20px;background-color: #ffff99\"><strong>\uc724\uc11d\uba85 \ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uba85\uc608\uc5f0\uad6c\uc704\uc6d0\ub3c4 &#8220;\ud604\uc7ac 10\ub144\ubb3c \uad6d\uace0\ucc44 \uae08\ub9ac(\uc815\ubd80\uac00 10\ub144 \ub4a4\uc5d0 \uc6d0\uae08\uc744 \uac1a\uae30\ub85c \uc57d\uc18d\ud558\uace0 \ubc1c\ud589\ud55c \ucc44\uad8c)\uac00 3.5%\ub97c \ub118\uc5b4\uac00\uace0 \uc788\ub294\ub370 \uc774\ub294 \uc5c4\uccad\ub098\uac8c \uc2ec\uac01\ud55c \uac83&#8221;\uc774\ub77c\uba70 &#8220;\uad6d\ucc44 \uae08\ub9ac\uac00 \uc62c\ub77c\uac04\ub2e4\ub294 \uac83\uc740 \ub300\ud55c\ubbfc\uad6d \uad6d\ucc44\ub97c \uc0ac\uc904 \uc8fc\uccb4\uac00 \uc5c6\ub2e4\ub294 \uc758\ubbf8&#8221;\ub77c\uace0 \uc6b0\ub824\ud588\ub2e4. \uadf8\ub294 &#8220;\ub178\ub974\uc6e8\uc774\ub294 \ud380\ub4dc\uac00 \uc6b0\ub9ac\uc640 \ube44\uc2b7\ud55c \uc218\uc900\uc774\uc9c0\ub9cc \uc804\uc561 \ud574\uc678 \ud22c\uc790\ud558\uace0 \uc788\ub2e4&#8221;\uace0 \ube44\ud310\ud588\ub2e4.<\/strong><\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: 20px;background-color: #ffff99\"><strong>\ud604\uc815\ud658 \ub3d9\uad6d\ub300 \uad6d\uc81c\ud1b5\uc0c1\ud559\uacfc \uad50\uc218\ub3c4 &#8220;\uc9c0\uae08\uc740 \uc790\uae30 \uac70\ub798\ub85c \uc8fc\uc2dd\uc758 \uc218\uc775\uc131\uc744 \ub192\uc774\ub294 \uac83&#8221;\uc774\ub77c\uba70 &#8220;\uc815\ubd80\uac00 \uae30\uc5c5 \uac70\ubc84\ub10c\uc2a4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub294 \ud1b5\ub85c\ub97c \ub9c8\ub828\ud558\uace0 \uc788\ub294\ub370 \uc774\ub294 \ubcc0\ub3d9\uc131\uc744 \ub192\uc774\ub294 \ud589\uc704&#8221;\ub77c\uace0 \ubd84\uc11d\ud588\ub2e4.<\/strong><\/span><\/p>\n<p dir=\"ltr\"><a href=\"https:\/\/m.newspim.com\/news\/view\/20260121000801\">https:\/\/m.newspim.com\/news\/view\/20260121000801<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud55c\ud3b8, \uad6d\ubbfc\uc5f0\uae08 \uc804\ubb38\uac00\ub4e4\uc740 \uad6d\ub0b4 \ud22c\uc790 \ube44\uc911 \ud655\ub300\uc5d0 \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\ub97c \ub0b4\uace0 \uc788\ub2e4. \uad6d\ubbfc \ub178\ud6c4\ub97c \uc704\ud55c \uad6d\ubbfc\uc5f0\uae08\uc744 \uc8fc\uc2dd \ubd80\uc591\uc744 \uc704\ud55c \uc815\ucc45\uc801 \ubaa9\uc801\uc73c\ub85c \uc4f0\uba74 \uc548 \ub41c\ub2e4\ub294 \uc758\uacac\uc774\ub2e4. \uae40\ud559\uc8fc \ub3d9\uad6d\ub300 \uc0ac\ud68c\ubcf5\uc9c0\ud559\uacfc \uad50\uc218\ub294 &#8220;\uc815\ubd80\uc758 \uc785\uae40\uc5d0 \ud22c\uc790\ub97c \ub298\ub9ac\ub294 \uac83\uc740 \uc815\ucc45\uc801 \ud310\ub2e8\uc5d0 \uc5f0\uae08\uc744 \ub3d9\uc6d0\ud558\ub294 \uac83&#8221;\uc774\ub77c\uba70 &#8220;\uacbd\uc81c, \uace0\uc6a9, \uc18c\ub4dd\uc774 \uc774\ubbf8 \uad6d\ub0b4 \uacbd\uae30\uc640 \uac15\ud558\uac8c \uc5f0\ub3d9\ub3fc \uc788\ub294\ub370 \uc5f0\uae08 \uc790\uc0b0\uae4c\uc9c0 \uad6d\ub0b4 \uc790\uc0b0\uc5d0 \ubb36\uc774\uba74 \uacbd\uae30\uac00 \uce68\uccb4\ub410\uc744 \ub54c [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":2353,"comment_status":"","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-2354","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\uad6d\ubbfc\uc5f0\uae08, \uad6d\ub0b4 \uc8fc\uc2dd \ud22c\uc790 \ube44\uc911 \ub192\uc774\ub098\u2026\ub9c8\uc911\ubb3c vs \uae30\uae08 \uace0\uac08 (2026\ub144 1\uc6d421\uc77c) - \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\" 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