{"id":2363,"date":"2026-01-22T15:08:00","date_gmt":"2026-01-22T06:08:00","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/22\/post-20260122-060800-7234\/"},"modified":"2026-01-22T16:31:07","modified_gmt":"2026-01-22T07:31:07","slug":"post-20260122-060800-7234","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/22\/post-20260122-060800-7234\/","title":{"rendered":"\uacf5\uc801\uc5f0\uae08 \uac1c\ud601 \ubc0f \uc7ac\uad6c\uc870\ud654 \ubc29\uc548 (2022\ub144)"},"content":{"rendered":"

\ubcf8 \uc5f0\uad6c\uc5d0\uc11c\ub294 \ub178\ud6c4\uc18c\ub4dd\ubcf4\uc7a5\uccb4\uacc4\uc758 \ud604\ud669 \ubd84\uc11d\uc744 \ucd9c\ubc1c\uc810\uc73c\ub85c \ud558\uc5ec, \uc6b0\ub9ac\uc5d0\uac8c \uc81c\ub300\ub85c \ub41c \uc2dc\uc0ac\uc810\uc744 \uc904 \uc218 \uc788\ub294 \uc720\ub7fd \uc8fc\uc694 \uad6d\uac00\ub4e4\uc758 \ucd5c\uc2e0 \uc5f0\uae08\uac1c\ud601\ub0b4\uc6a9\uacfc \uc81c\ub3c4\uc758 \ud604\ud669 \ubd84\uc11d\uc744 \ud604\uc9c0 \uc804\ubb38\uac00\uc640 \uacf5\ub3d9\uc73c\ub85c \uc218\ud589\ud558\uc600\ub2e4. <\/strong><\/span><\/p>\n

\uc678\uad6d \uc0ac\ub840\uc758 \uacbd\uc6b0\uc5d0\uc11c\ub294 \ub178\ub974\ub515 \uad6d\uac00\ub97c \ud3ec\ud568\ud55c EU \ud68c\uc6d0\uad6d\ub4e4\uacfc\uc758 \uc5f0\uae08 \uad00\ub828 \uc5c5\ubb34 \uad50\ub958\ub97c \ucc45\uc784\uc9c0\ub294 \ud540\ub780\ub4dc\uc758 \ud574\uc678\ud611\ub825\ud300\uc7a5\uc778 Mr. Vidlund Mika\uac00 \ucc38\uc5ec\ud558\uc5ec \uc8fc\uc694 \uc11c\uc720\ub7fd \uad6d\uac00\ub4e4\uc758 \uc5f0\uae08 \uc6b4\uc601 \ud604\ud669(\ubcf4\uace0\uc11c 5\uc7a5 \uc9d1\ud544)\uc744 \uc0dd\uc0dd\ud558\uac8c \uc54c\ub824\uc8fc\uace0 \uc788\ub2e4.<\/strong><\/span><\/p>\n

\uc720\ub7fd \uad6d\uac00 \uc911\uc5d0\uc11c\ub3c4 \uc9c0\ub09c 10\ub144\uac04 \ucd9c\uc0dd\ub960\uc774 \uae09\ub77d\ud55c \ud540\ub780\ub4dc(1.8\uc5d0\uc11c 1.4\ub85c \ud558\ub77d)\uc758 \uc8fc\uc694 \uc5f0\uae08\uac1c\ud601 \ub0b4\uc6a9\uc5d0 \ub300\ud574\uc11c\ub294, \uc9c0\ub09c 20\uc5ec \ub144 \ub3d9\uc548 \ud540\ub780\ub4dc\uc758 \uc5f0\uae08\uac1c\ud601 \ub17c\uc758 \uacfc\uc815\uc5d0 \uc9c1\uc811 \ucc38\uc5ec\ud574\uc654\uace0, \ud2b9\ud788 \uac00\uc7a5 \ucd5c\uadfc \ud540\ub780\ub4dc\uc758 \uc5f0\uae08\uac1c\ud601 \ub17c\uc758\uae30\uad6c\uc5d0\uc11c \ucf54\ub514\ub124\uc774\ud130 \uc5ed\ud560\uc744 \ub2f4\ub2f9\ud588\ub358 Ismo Risku \uae30\ud68d\uc870\uc815\uc2e4\uc7a5\uc758 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc758\ubbf8\uac00 \ub9e4\uc6b0 \ud070 \ub0b4\uc6a9(\ubcf4\uace0\uc11c 6\uc7a5 \uc9d1\ud544)\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\ub2e4.<\/strong><\/span><\/p>\n

\uc774\ub7ec\ud55c \uc5f0\uad6c \ub0b4\uc6a9\uc744 \ud1b5\ud574, \uad6d\uac00\ubcc4\ub85c \ucc98\ud55c \uc5ec\uac74\uc774 \ub9e4\uc6b0 \ub2e4\ub978 \uc0c1\ud669\uc5d0\uc11c \ub178\ud6c4\uc18c\ub4dd\ubcf4\uc7a5\uccb4\uacc4, \ud2b9\ud788 \uc5f0\uae08\uc81c\ub3c4\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud55c \uad6d\uac00\ubcc4 \ub300\ucc98 \ud604\ud669\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ubcf4\uc5ec\uc8fc\uace0\uc790 \ud558\uc600\ub2e4. <\/strong><\/span><\/p>\n

\uc6b0\ub9ac\uac00 \ucc98\ud55c \ud604\uc2e4\uc5d0 \ub300\ud55c \uc911\ub9bd\uc801\uc778 \ud3c9\uac00\uc640 \uc678\uad6d\uc758 \uc81c\ub3c4\uc6b4\uc601 \uc0ac\ub840\ubd84\uc11d\uc744 \ud1b5\ud574\uc11c \ub3c4\ucd9c\ub41c \uc2dc\uc0ac\uc810\uc5d0 \uae30\ubc18\ud558\uc5ec \uc5f0\uae08\uac1c\ud601 \ubc29\ud5a5\uc744 \uc81c\uc2dc\ud558\uace0\uc790 \ud558\uc600\ub2e4.<\/strong><\/span><\/p>\n

\uc5ec\uae30\uc5d0 \ub367\ubd99\uc5ec \uc5f0\uad6c\uc5d0\uc11c\ub294 \uadf8\ub3d9\uc548 \ub17c\uc758\ub97c \uc18c\ud640\ud788 \ud574\uc654\ub358 \uacf5\ubb34\uc6d0\uc5f0\uae08\uc744 \ud3ec\ud568\ud55c \ud2b9\uc218\uc9c1\uc5ed\uc5f0\uae08\uacfc \uad6d\ubbfc\uc5f0\uae08\uc758 \ud1b5\ud569\uc6b4\uc601 \ubc29\uc548\ub3c4 \uc81c\uc2dc\ud558\uc600\ub2e4.<\/strong><\/span><\/p>\n

\ubcf8 \uc5f0\uad6c\uc758 \uae30\ubcf8\uc801\uc778 \uc811\uadfc \ubc29\ud5a5\uc740, \uad6c\uccb4\uc801\uc778 \uc774\ud589 \ub0b4\uc6a9\uc744 \uc801\uc2dc\ud558\uae30\ubcf4\ub2e4\ub294, \uc81c\ub300\ub85c \ub41c \uac1c\ud3b8 \ubc29\ud5a5\uc744 \uc81c\uc2dc\ud558\ub294 \uac83\uc5d0 \uc911\uc810\uc744 \ub450\uc5c8\ub2e4. \uc6b0\ub9ac\uac00 \ucc98\ud55c \ud604\uc2e4\uc744 \uc81c\ub300\ub85c \uc778\uc2dd\ud558\uc9c0 \ubabb\ud55c \uc0c1\ud669\uc5d0\uc11c\ub294 \uc544\ubb34\ub9ac \uad6c\uccb4\uc801\uc778 \uc81c\ub3c4 \uac1c\ud3b8\uc548\uc744 \uc81c\uc2dc\ud55c\ub2e4\uace0 \ud560\uc9c0\ub77c\ub3c4, \uadf8 \uac1c\ud3b8\uc548\uc744 \ud1b5\ud574 \uc5bb\uc744 \uc218 \uc788\ub294 \uc815\ucc45\uc801\uc778 \uc2dc\uc0ac\uc810\uc774 \ub9ce\uc9c0 \uc54a\ub2e4\uace0 \ubcf4\uc558\uae30 \ub54c\ubb38\uc774\ub2e4. <\/strong><\/span><\/p>\n

\uc774\ub7ec\ud55c \ubb38\uc81c\uc758\uc2dd\ud558\uc5d0 \uc791\uc131\ub41c \ubcf8 \uc5f0\uad6c \ub0b4\uc6a9\uc774 \uad00\ub828 \ubd84\uc57c \uc5f0\uad6c\uc790\uc640 \uc815\ucc45 \ub2f9\uad6d\uc758 \uc5f0\uae08 \uac1c\ud3b8 \ub17c\uc758\uc5d0 \uc720\uc6a9\ud55c \ucc38\uace0\uc790\ub8cc\ub85c \ud65c\uc6a9\ub420 \uc218 \uc788\uae30\ub97c \uae30\ub300\ud574 \ubcf8\ub2e4.<\/strong><\/span><\/p>\n

\ubcf8 \uc5f0\uad6c\uc758 \ubd80\ub85d\uc5d0\ub294 \uc6b0\ub9ac \uc0ac\ud68c \ub2e4\uc591\ud55c \uc774\ud574\uad00\uacc4\uc790\ub4e4\uacfc\uc758 \ud68c\uc758\ub0b4\uc6a9\uacfc \ub300\ud654\ub97c \uc218\ub85d\ud558\uc600\ub2e4. \uc6b0\ub9ac \uc0ac\ud68c\uc758 \ub2e4\uc591\ud55c \uad6c\uc131\uc6d0\ub4e4\uc774 \uc0dd\uac01\ud558\uace0 \uc788\ub294 \ubc14\ub78c\uc9c1\ud55c \uc5f0\uae08\uc81c\ub3c4 \uac1c\ud3b8 \ubc29\ud5a5\uacfc \uc5f0\uae08\uc81c\ub3c4 \uc8fc\ubcc0 \ud658\uacbd \ubcc0\ud654\uc5d0 \ub300\ud55c \uacac\ud574\ub4e4\uc744 \uc218\ub85d\ud558\ub2e4. <\/strong><\/span><\/p>\n

\ud1b5\uc0c1\uc801\uc778 \uc5f0\uad6c\ubcf4\uace0\uc11c\uc5d0\uc11c\ub294 \ub2e4\ub8e8\uc9c0 \uc54a\ub294 \ub0b4\uc6a9\uc774 \ub2e4\uc218 \ud3ec\ud568\ub418\uc5b4 \uc788\ub2e4\ub294 \uce21\uba74\uc5d0\uc11c, \ud5a5\ud6c4 \ubcf8\uaca9\uc801\uc778 \uadf8\ub9ac\uace0 \uc81c\ub300\ub85c \ub41c \uc5f0\uae08 \uac1c\ud3b8 \ub17c\uc758\ub97c \uc2dc\ub3c4\ud560 \ub54c \ub9e4\uc6b0 \uc720\uc6a9\ud55c \ucc38\uace0\uc790\ub8cc\uac00 \ub420 \uc218 \uc788\uc744 \uac83 \uac19\ub2e4.<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\ubcf8 \uc5f0\uad6c\uc5d0\uc11c\ub294 \ub178\ud6c4\uc18c\ub4dd\ubcf4\uc7a5\uccb4\uacc4\uc758 \ud604\ud669 \ubd84\uc11d\uc744 \ucd9c\ubc1c\uc810\uc73c\ub85c \ud558\uc5ec, \uc6b0\ub9ac\uc5d0\uac8c \uc81c\ub300\ub85c \ub41c \uc2dc\uc0ac\uc810\uc744 \uc904 \uc218 \uc788\ub294 \uc720\ub7fd \uc8fc\uc694 \uad6d\uac00\ub4e4\uc758 \ucd5c\uc2e0 \uc5f0\uae08\uac1c\ud601\ub0b4\uc6a9\uacfc \uc81c\ub3c4\uc758 \ud604\ud669 \ubd84\uc11d\uc744 \ud604\uc9c0 \uc804\ubb38\uac00\uc640 \uacf5\ub3d9\uc73c\ub85c \uc218\ud589\ud558\uc600\ub2e4. \uc678\uad6d \uc0ac\ub840\uc758 \uacbd\uc6b0\uc5d0\uc11c\ub294 \ub178\ub974\ub515 \uad6d\uac00\ub97c \ud3ec\ud568\ud55c EU \ud68c\uc6d0\uad6d\ub4e4\uacfc\uc758 \uc5f0\uae08 \uad00\ub828 \uc5c5\ubb34 \uad50\ub958\ub97c \ucc45\uc784\uc9c0\ub294 \ud540\ub780\ub4dc\uc758 \ud574\uc678\ud611\ub825\ud300\uc7a5\uc778 Mr. Vidlund Mika\uac00 \ucc38\uc5ec\ud558\uc5ec \uc8fc\uc694 \uc11c\uc720\ub7fd \uad6d\uac00\ub4e4\uc758 \uc5f0\uae08 \uc6b4\uc601 \ud604\ud669(\ubcf4\uace0\uc11c 5\uc7a5 \uc9d1\ud544)\uc744 \uc0dd\uc0dd\ud558\uac8c \uc54c\ub824\uc8fc\uace0 […]<\/p>\n","protected":false},"author":11,"featured_media":2376,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"bBlocksCursorData":"","_kadence_starter_templates_imported_post":false,"footnotes":""},"categories":[11,9],"tags":[],"class_list":["post-2363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research-summary","category-data-insights"],"acf":[],"yoast_head":"\n\uacf5\uc801\uc5f0\uae08 \uac1c\ud601 \ubc0f \uc7ac\uad6c\uc870\ud654 \ubc29\uc548 (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\/22\/post-20260122-060800-7234\/\" \/>\n<meta property=\"og:locale\" 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