{"id":2443,"date":"2026-01-26T22:17:03","date_gmt":"2026-01-26T13:17:03","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/26\/post-20260126-131703-6652\/"},"modified":"2026-01-26T22:19:13","modified_gmt":"2026-01-26T13:19:13","slug":"post-20260126-131703-6652","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/01\/26\/post-20260126-131703-6652\/","title":{"rendered":"\uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c \uac1c\ucd5c \uacb0\uacfc\uc5d0 \ub300\ud55c \uc5f0\uae08\uc5f0\uad6c\ud68c \uc131\uba85\uc11c (2026\ub144 1\uc6d4 26\uc77c)"},"content":{"rendered":"

\uad6d\ubbfc\uc5f0\uae08\uc744 \ud658\uc728\ubc29\uc5b4\uc6a9 \ubd88\uc3d8\uc2dc\uac1c\ub85c \ub0a0\ub824\uc11c\ub294 \uc548 \ub41c\ub2e4!<\/strong><\/span>
\n-\u2018\uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c \uacb0\uacfc\u2019\uc5d0 \ub300\ud55c \uc5f0\uae08\uc5f0\uad6c\ud68c \uc785\uc7a5\ubb38-<\/strong><\/span><\/p>\n

 <\/p>\n

1\uc6d4 26\uc77c. \uad6d\ubbfc\uc5f0\uae08 \uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c(\uc774\ud558, \uae30\uae08\uc704)\ub294 \uad6d\ub0b4 \uc8fc\uc2dd \ube44\uc911\uc744 0.5%\ud3ec\uc778\ud2b8 \ub192\uc778 14.9%\ub85c, \ubc18\uba74 \ud574\uc678\uc8fc\uc2dd \ube44\uc911\uc740 38.9%\uc5d0\uc11c 1.7%\ud3ec\uc778\ud2b8 \uc904\uc778 37.2%\ub85c \u2018\uad6d\ubbfc\uc5f0\uae08\uae30\uae08 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\u2019\ub97c \uc2ec\uc758\u00b7\uc758\uacb0\ud588\ub2e4. \u2018\uae30\uae08\uc704\u2019\ub294 \u201c\uc678\ud658\uc870\ub2ec \ubd80\ub2f4\uacfc \ucd5c\uadfc \uc218\uc694 \uc6b0\uc704\uc758 \uc678\ud658\uc2dc\uc7a5 \ud658\uacbd \ub4f1\uc744 \uace0\ub824\u201d\ud574 \ubcc0\uacbd\ud588\ub2e4\uba70 \uadf8 \uc774\uc720\ub97c \ubc1d\ud614\ub2e4.<\/strong><\/span><\/p>\n

\u2018\uae30\uae08\uc704\u2019\uac00 \ubc1d\ud78c\ub300\ub85c \uad6d\ubbfc\ub4e4 \ub178\ud6c4\uc0dd\ud65c \ucd5c\ud6c4\uc758 \ubcf4\ub8e8\uc778 \uad6d\ubbfc\uc5f0\uae08\uc744 \ud658\uc728\ubc29\uc5b4\uc758 \uc308\uc9d3\ub3c8\uc73c\ub85c \ud65c\uc6a9\ud558\uace0 \uc788\uc74c\uc5d0 \ub300\ud55c \uc790\ubc31\uc774 \uc544\ub2d0 \uc218 \uc5c6\ub2e4. \ub2e4\ub9cc, \uc774\ubc88 \u2018\uae30\uae08\uc704\u2019\uc758 \uad6d\ub0b4 \uc8fc\uc2dd \ube44\uc911\uc758 \uc18c\ud3ed \ud655\ub300\ub294 \uccad\ub144\ub4e4\uacfc \uad6d\ubbfc\ub4e4\uc758 \uac15\ub825\ud55c \ubc18\ub300\uc5ec\ub860\uc5d0 \ub530\ub978 \uac83\uc73c\ub85c \ucd94\uc815\ud55c\ub2e4. \uadf8\ub7ec\ub098 \uc6b0\ub9ac \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \uc6b0\ub9ac\uc758 \uc6b0\ub824\uc640 \uc694\uad6c\ub97c \ubc1d\ud78c\ub2e4.<\/strong><\/span><\/p>\n

\uccab\uc9f8, \uc774\ubc88 \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc870\uc815\uc740 \uad6d\ubbfc\uc5f0\uae08 \uaddc\uce59\uae30\ubc18 \uae30\uae08\uc6b4\uc6a9\uc6d0\uce59 \ud6fc\uc190\uc774\ub77c \uc544\ub2c8\ud560 \uc218 \uc5c6\ub2e4. \ud5a5\ud6c4 \u201c\uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc608\uc678\ub97c \uc0c1\uc2dc\ud654\ud558\uba74 \uc790\uc0b0\ubc30\ubd84 \uc6d0\uce59\uc758 \uc608\uce21 \uac00\ub2a5\uc131\uc774 \ub5a8\uc5b4\uc9c8 \uc218 \uc788\ub2e4\u201d \ud2b9\ud788 \u201c\uc720\uc608\uc758 \uc870\uac74\uacfc \uc885\ub8cc \uc2dc\uc810\uc744 \uba85\ud655\ud788 \ud558\uc9c0 \uc54a\uc73c\uba74 \u2018\uaddc\uce59\uae30\ubc18 \uc6b4\uc6a9\u2019\uc774\ub77c\ub294 \uc2e0\ub8b0 \uc790\uccb4\uac00 \ud754\ub4e4\ub9b4 \uc218 \uc788\ub2e4\u201d<\/strong><\/span><\/p>\n

\ub458\uc9f8, \uc815\ubd80 \uc870\uc9c1\uac1c\ud3b8\uc744 \uc774\uc720\ub85c \u2018\uae30\uae08\uc704\u2019\uc758 \uc815\uc0c1\uc801\uc778 \uc758\uc0ac \uacb0\uc815 \uacfc\uc815\uc744 \ud1b5\ud574 \uc815\ubd80 \uc704\uc6d0\uc778 \ucc28\uad00 1\uba85\uc774 \ucd94\uac00\ub418\uc5c8\ub294\uc9c0 \uacf5\uac1c \uc9c8\uc758\ud55c\ub2e4. \uc815\uc0c1\uc801\uc778 \uacb0\uc815\uc774\uc5c8\ub2e4\uba74 \uad6d\ubbfc\uc5f0\uae08 \uae30\uae08\uc6b4\uc6a9\uacfc\ub294 \uc804\ud600 \uc0c1\uad00\ub3c4 \uc5c6\ub294 \uc774\ubbf8 4\uba85\uc774\ub098 \ub418\ub294 \ud0c0 \uc815\ubd80 \ubd80\ucc98\uc758 \ucc28\uad00 1\uba85\uacfc \uad50\uccb4\ud588\uc5b4\uc57c \ud574\uc11c\ub2e4. \u2018\uae30\uae08\uc704\u2019\ub294 \uc704\uc6d0\uc7a5\uc778 \ubcf4\uac74\ubcf5\uc9c0\ubd80\uc7a5\uad00 \uc678\uc5d0 \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \uc774\uc0ac\uc7a5, \ub610 \uad6d\ucc45\uc5f0\uad6c\uc6d0\uc778 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0\uacfc KDI \uc6d0\uc7a5\uc774 \uc704\uc6d0\uc73c\ub85c \ucc38\uc5ec\ud558\uace0 \uc788\ub2e4. \uc815\ubd80\uc758 \uc815\ucc45\ubc29\ud5a5\uc744 \uadf8\ub300\ub85c \ub530\ub77c\uac08 \uac00\ub2a5\uc131\uc774 \ub9e4\uc6b0 \ub192\uc740 \uc704\uc6d0\uc774 8\uba85(\uc704\uc6d0\uc7a5 \ud3ec\ud568\uc2dc 9\uba85)\uc774\ub098 \ub41c\ub2e4.<\/strong><\/span><\/p>\n

\uc14b\uc9f8, \uc815\ubd80\uc758 \uc308\uc9d3\ub3c8 \ub2e4\ub8e8\ub4ef \u2018\uae30\uae08\uc704\u2019\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc870\uc815\uc73c\ub85c \uad6d\ubbfc\uc5f0\uae08 \uc218\uc775\ub960 \uce21\uba74\uc758 \ud558\ubc29 \uc704\ud5d8\uc5d0 \ub300\ud574 \uac15\ub825\ud788 \uc6b0\ub824\ud558\uc9c0 \uc54a\uc744 \uc218 \uc5c6\ub2e4. \ud2b9\ud788 \uc6b0\ub9ac \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc791\ub144 12\uc6d4 3\uc77c \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc758 \ud658\uc728\ubc29\uc5b4 \uc218\ub2e8 \ud65c\uc6a9\uc5d0 \ub300\ud55c \ubc18\ub300 \uad00\uc810\uc744 \ud45c\uba85\ud558\ub294 \uc131\uba85\uc11c \ubc1c\ud45c\ub97c \uc2dc\uc791\uc73c\ub85c \ud558\uc5ec, \uadf8\ub3d9\uc548 \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc815\ubd80 \uc815\ucc45 \ubc29\ud5a5\uc744 \uac15\ud558\uac8c \ube44\ud310\ud574\uc654\ub2e4. \u2018\uae30\uae08\uc704\u2019\uc758 \uc704\uc784\uc744 \ubc1b\uc558\ub2e4\ub294 \uc774\uc720\ub85c, \ubcf4\uac74\ubcf5\uc9c0\ubd80 1\ucc28\uad00\uc744 \ub2e8\uc7a5\uc73c\ub85c \ud55c TF\uac00 \uc804\ub7b5\uc801\uc778 \ubaa8\ud638\uc131\uc744 \uc55e\uc138\uc6cc\uac00\uba74\uc11c \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc744 \uc774\uc6a9\ud55c \ud658\uc728\ubc29\uc5b4\uc5d0 \ub098\uc130\uae30 \ub54c\ubb38\uc774\ub2e4.<\/strong><\/span><\/p>\n

\ucd5c\uadfc \ub4e4\uc5b4 \uc2ec\ud654\ub41c \uc6d0\ud654\uac00\uce58 \ud558\ub77d\uc138\uc758 \uc8fc\ub41c \uc774\uc720\ub97c \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc801\uc790 \uc608\uc0b0 \ud3b8\uc131\uc744 \ud1b5\ud55c \ud655\uc7a5\uc801 \uc7ac\uc815\uc815\ucc45 \uac15\ud589\uc5d0 \ub530\ub978 \uad6d\uac00\ubd80\ucc44 \uae09\uc99d \ub54c\ubb38\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \ud2b9\ud788 12\uc6d4 23\uc77c \uc774\ud6c4 \uc57c\uac04\uc2dc\uac04 \ub300\uc758 \uc5ed\uc678\uc2dc\uc7a5\uc5d0\uc11c \ub300\ub7c9\uc758 \ub2ec\ub7ec \ub9e4\uac01\uc774 \uc774\ub8e8\uc5b4\uc84c\ub358 \ud604\uc0c1\uc744 \uc804\ub7b5\uc801\uc778 \ubaa8\ud638\uc131\uc744 \uc55e\uc138\uc6b4 \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc774 \ud22c\uc790\ud55c \ub2ec\ub7ec \ud45c\uc2dc \uc790\uc0b0 \ub9e4\uac01 \uacb0\uacfc\ub85c \ubcf4\uace0 \uc788\uc5b4\uc11c\uae30\ub3c4 \ud558\ub2e4.<\/strong><\/span><\/p>\n

\ubc18\ub3c4\uccb4 \uc288\ud37c\uc0ac\uc774\ud074\uc774 \uc7a5\uae30\uac04 \uc9c0\uc18d\ub418\uae30\uac00 \uc5b4\ub824\uc6b8 \uac83\uc774\ub77c\ub294 \uc810\uc744 \uc8fc\ubaa9\ud55c\ub2e4\uba74, \ucd08\uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uc6b4\uc601\ub418\ub294 \uad6d\ubbfc\uc5f0\uae08\uc744 \ub2e8\uae30\uc801\uc778 \uc2dc\uacc4\uc5d0 \ub9de\ucd94\uc5b4\uc11c \uc6b4\uc601\ud558\ub294 \uac83\uc774 \uc801\uc808\ud558\uc9c0 \ubabb\ud558\ub2e4\ub294 \uac83\uc774 \uc5f0\uae08\uc5f0\uad6c\ud68c\uc758 \uc785\uc7a5\uc774\ub2e4.<\/strong><\/span><\/p>\n

\uc774\ubbf8 \uc791\ub144\ubd80\ud130 \uad6d\ubbfc\uc5f0\uae08\uc740 \uc62c\ud574 \ubaa9\ud45c\uc778 14.4%\uc5d0 \ube44\ud574 \ud6e8\uc52c \ub192\uc740 \ube44\uc911\uc758 \uad6d\ub0b4 \ud22c\uc790\uac00 \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\ub2e4. \ud1b5\uc0c1 \uc8fc\uac00\uac00 \uae09\ub4f1\ud558\ub294 \uc2dc\uae30\uc5d0\ub294 \ucd94\ud6c4 \ub098\ud0c0\ub0a0 \ubd80\uc791\uc6a9\uc744 \uc6b0\ub824\ud558\uc5ec, \uae30\uad00\ud22c\uc790\uac00\ub4e4\uc740 \uc8fc\uc2dd\uc744 \ud314\uace4 \ud588\uc5c8\ub2e4.<\/strong><\/span><\/p>\n

\ub2e8\uae30\uac04\uc5d0 \uc8fc\uac00\uac00 \uae09\ub4f1\ud588\uace0, \ub610 \uad6d\ubbfc\uc5f0\uae08 \ubaa9\ud45c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud6e8\uc52c \ucd08\uacfc\ud588\uc74c\uc5d0\ub3c4, \uae34\uae09 \u2018\uae30\uae08\uc704\u2019\uae4c\uc9c0 \uac1c\ucd5c\ud558\uba74\uc11c \uad6d\ub0b4 \uc8fc\uc2dd\uacfc \ucc44\uad8c \ube44\uc911\uc744 \ub192\uc778 \uc815\ubd80\uc758 \uacb0\uc815\uc5d0 \ub300\ud574 \uc5f0\uae08\uc5f0\uad6c\ud68c\uac00 \uac15\ub825\ud788 \uc6b0\ub824\ud560 \uc218\ubc16\uc5d0 \uc5c6\ub294 \uc774\uc720\ub2e4.<\/strong><\/span><\/p>\n

\ub137\uc9f8, \ub2ec\ub7ec \ud45c\uc2dc \uc790\uc0b0\uc758 \ub300\uaddc\ubaa8 \ub9e4\uac01 \ub300\uae08\uc774 \ucf54\uc2a4\ud53c \uc8fc\uc694 \uc885\ubaa9 \ub9e4\uc218 \uc790\uae08\uc73c\ub85c \uc0ac\uc6a9\ub418\uc5c8\uc744 \uac00\ub2a5\uc131\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uac15\ub825\ud788 \uc6b0\ub824\ud55c\ub2e4. \ubc18\ub3c4\uccb4 \uc288\ud37c\uc0ac\uc774\ud074 \ub3c4\ub798\uac00 \ucd5c\uadfc \ucf54\uc2a4\ud53c \uae09\uc0c1\uc2b9\uc758 \uc8fc\uc694 \uc694\uc778\uc774 \ub418\ub294 \uc791\uae08\uc758 \uc0c1\ud669\uc5d0\uc11c, \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc774\ub97c \ud06c\uac8c \uc6b0\ub824\ud558\uace0 \uc788\ub2e4.<\/strong><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc774 \uc9c1\uc811 \ud22c\uc790\ud55c \ud574\uc678 \uc790\uc0b0 \uc678\uc5d0\ub3c4, \ub9e4\uac01 \uaddc\ubaa8 \ucd95\uc18c\ub97c \uc704\ud574 \uc678\ubd80 \uc704\ud0c1 \uc6b4\uc6a9\uc758 \ub2ec\ub7ec \ud45c\uc2dc \uc790\uc0b0 \ub9e4\uac01\uc774 \ud3ec\ud568\ub418\uc5c8\uc744 \uac83\uc73c\ub85c \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \ucd94\uc815\ud55c\ub2e4. \uc5b8\uc820\uac00 \ubc1c\uc0dd\ud560 \ucc45\uc784 \uacf5\ubc29\uc5d0\uc11c\uc758 \ucc45\uc784\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574, \uc9c1\uc811 \uc6b4\uc601\ud558\ub294 \uc790\uc0b0 \ub300\uc2e0\uc5d0 \uc704\ud0c1 \uc6b4\uc601\ud558\ub294 \uc790\uc0b0\uc744 \ub9e4\uac01\ud588\uc73c\ub9ac\ub77c\uace0 \ucd94\uc815\ub418\uae30 \ub54c\ubb38\uc774\ub2e4. \uc774\uc640 \uad00\ub828\ud558\uc5ec \ucc45\uc784 \uc788\ub294 \uc815\ubd80 \ub2f9\uad6d\uc5d0\uc11c\ub294 \uc9c4\uc0c1\uc744 \uba85\ubc31\ud558\uac8c \ubc1d\ud600\uc57c \ud560 \uac83\uc774\ub2e4.<\/strong><\/span><\/p>\n

\ub2e4\uc12f\uc9f8, \uc815\ubd80\uac00 \uad6d\ubbfc\uc5f0\uae08 \uae30\uae08\uc6b4\uc6a9\uc744 \uc0ac\uc2e4\uc0c1 \uc88c\uc9c0\uc6b0\uc9c0\ud558\ub294 \ud604\uc2e4\uc5d0\uc11c \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc \uac15\ud654 \ubc0f \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc758 \uc678\ud654\ucc44 \ubc1c\ud589 \uc2dc\ub3c4 \uc5ed\uc2dc \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \ub9ce\uc774 \uc6b0\ub824\ud558\uace0 \uc788\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc744 \uac15\ud654\ud558\ub294 \ubc29\ud5a5\uc774 \uc544\ub2cc \uc815\ubd80\u00b7\uc5ec\ub2f9\uc758 \uad6d\ubbfc\uc5f0\uae08 \ud754\ub4e4\uae30\ub97c \uc989\uac01 \uba48\ucd9c \uac83\uc744 \uac15\ub825\ud788 \ucd09\uad6c\ud55c\ub2e4.<\/strong><\/span><\/p>\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc815\ubd80 \uc758\uc9c0\ub300\ub85c \uc6b4\uc601\ub420 \uc218\ubc16\uc5d0 \uc5c6\ub294 \u2018\uae30\uae08\uc704\u2019\ub97c \ud1b5\ud574 \uc774\ubbf8 \uc874\uc7ac\ud558\ub294 \u2018\uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc6b4\uc6a9\uc9c0\uce68\u2019\uc744 \ud6fc\uc190\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \uad6d\ubbfc\uc5f0\uae08\uae30\uae08 \uc6b4\uc601 \ubc29\ud5a5\uc744 \uacb0\uc815\ud55c \uc624\ub298 \u2018\uae30\uae08\uc704\u2019 \uac1c\ucd5c \uacb0\uacfc\uc5d0 \ub300\ud574, \u2018\uc138\ub300\uac04 \ud615\ud3c9\uc131 \uc81c\uace0\u2019\uc640 \u2018\uad6d\ubbfc\uc5f0\uae08\uc81c\ub3c4\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \uac15\uc870\u2019\ud558\ub294 \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uac15\ub825\ud558\uac8c \uacbd\uace0\ud55c\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc740 \uc815\ubd80\uc758 \uc308\uc9d3\ub3c8\uc774 \uc544\ub2c8\uae30 \ub54c\ubb38\uc774\ub2e4.<\/strong><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc758 \ubbf8\ub798\ub97c \ucc45\uc784\uc9c8 \uccad\ub144\uc138\ub300\uc640 \uc5f0\ub300\ud558\uc5ec \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uad6d\ubbfc\uc5f0\uae08\uc774 \uc81c\ub300\ub85c \uc6b4\uc601\ub420 \uc218 \uc788\ub3c4\ub85d \ucd5c\uc120\uc758 \ub178\ub825\uc744 \ub2e4\ud560 \uac83\uc744 \ub2e4\uc2dc \ud55c\ubc88 \ucc9c\uba85\ud558\ub294 \ubc14\uc774\ub2e4!!<\/strong><\/span><\/p>\n

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