{"id":2698,"date":"2026-02-08T00:30:55","date_gmt":"2026-02-07T15:30:55","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/08\/post-20260207-153055-2709\/"},"modified":"2026-02-08T08:20:33","modified_gmt":"2026-02-07T23:20:33","slug":"post-20260207-153055-2709","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/08\/post-20260207-153055-2709\/","title":{"rendered":"“\uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 40%\uc11c \ub2e8 0.1%p\ub77c\ub3c4 \uc62c\ub9ac\uba74 \uac1c\uc545” (2024. 5. 28.)"},"content":{"rendered":"

(2024\ub144 5\uc6d4 \ub300\ud55c\ubbfc\uad6d\uc758 \ub300\ub2e4\uc218 \uc5b8\ub860, \uc815\uce58\uad8c \ub4f1\uc5d0\uc11c \ud1b5\uacfc\uc2dc\ud0a4\uae30\ub97c \uac15\uc694\ud588\ub358 \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc548\uc758 \uc2e4\uc0c1\uc774 \uac1c\ud601\uc744 \uac00\uc7a5\ud55c \uac1c\uc545\uc548\uc744 \ubc1d\ud788\uae30 \uc704\ud574\uc11c <\/span>\ub2f9\uc2dc \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc815\ub3d9 \uc18c\uc7ac \ud504\ub780\uce58\uc2a4\ucf54 \ud68c\uad00\uc5d0\uc11c \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/p>\n

\uacf5\uc801\uc5f0\uae08\uac15\ud654\uad6d\ubbfc\ud589\ub3d9\uacfc \uad6d\ud68c\uc758\uc6d0\ub4e4\uc774 \uad6d\ud68c \ubcf8\uad00 \uacc4\ub2e8\uc5d0 \ubaa8\uc5ec \uac1c\uc545\uc548\uc744 \ud1b5\uacfc\uc2dc\ud0a4\ub77c\uace0 \uc555\ubc15\ud558\ub358 \uc0c1\ud669\uc5d0\uc11c \uac1c\ucd5c\ub41c \uc138\ubbf8\ub098\uc600\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/p>\n

\ub2f9\uc2dc \ub300\ud55c\ubbfc\uad6d\uc5d0\uc11c \uac70\uc758 \uc720\uc77c\ud558\uac8c \uc5f0\uae08\uc5f0\uad6c\ud68c \ud63c\uc790 \ub098\uc11c\uc11c \uac1c\uc545\uc548\uc744 \ud1b5\uacfc\uc2dc\ucf1c\uc11c\ub294 \uc54a\ub41c\ub2e4\uace0 \uc74d\uc18c\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/p>\n

\uc774\ub7ec\ud55c \ub178\ub825\uc774 \uc788\uc5c8\uae30\uc5d0 \ub2f9\uc2dc \uad6d\ud68c\uc758\uc7a5\uc774 \ub098\uc130\uace0, \uac70\ub300 \uc57c\ub2f9 \ub300\ud45c\uac00 \uad6d\ubbfc\uc5f0\uae08\ubc95 \ud1b5\uacfc\ub97c \uc704\ud55c \uc5ec\uc57c \uc601\uc218\ud68c\ub2f4\uae4c\uc9c0 \uc81c\uc548\ud588\uc74c\uc5d0\ub3c4 \uacb0\uad6d 21\ub300 \uad6d\ud68c\uc5d0\uc11c \ud1b5\uacfc\ub418\uc9c0 \ubabb\ud588\uc5c8\uc2b5\ub2c8\ub2e4!!!<\/strong><\/span><\/p>\n

\uc774\ub7ec\ud55c \uc5f0\uae08\uc5f0\uad6c\ud68c\uc758 \ud65c\ub3d9 \uc0c1\ud669\uc744 \ubcf4\uc5ec\uc8fc\ub294 \ub2f9\uc2dc \uc5b8\ub860 \uae30\uc0ac\uc785\ub2c8\ub2e4.)<\/strong><\/span><\/p>\n

\uc5f0\uae08\uac1c\ud601\uc744 \uc704\ud574\uc11c\ub294 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ud604\ud589 40%\uc5d0\uc11c \ub2e8 0.1%p\ub77c\ub3c4 \uc62c\ub824\uc120 \uc548 \ub41c\ub2e4\ub294 \uc8fc\uc7a5\uc774 \ub098\uc654\ub2e4.<\/span> <\/span><\/strong><\/p>\n

\uc5ec\uc57c\uac00 ‘\ubcf4\ud5d8\ub8cc\uc728(\ub0b4\ub294 \ub3c8) 13%\u00b7\uc18c\ub4dd\ub300\uccb4\uc728(\ubc1b\ub294 \ub3c8) 44%’ \uc548\uc744 \ub193\uace0 21\ub300 \uad6d\ud68c \ub9c9\ud310 \ud611\uc0c1\uc744 \ubc8c\uc774\ub294 \uac00\uc6b4\ub370 \uc774\ub97c \uc815\uba74 \ubc18\ubc15\ud558\ub294 \ubaa9\uc18c\ub9ac\ub2e4.<\/span><\/strong><\/p>\n

\uc724\uc11d\uba85 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uba85\uc608\uc5f0\uad6c\uc704\uc6d0\uc740 28\uc77c \uc11c\uc6b8 \uc911\uad6c \ud504\ub780\uce58\uc2a4\ucf54 \uad50\uc721\ud68c\uad00\uc5d0\uc11c \uc5f4\ub9b0 ‘\uc5f0\uae08\uc5f0\uad6c\ud68c \uc138\ubbf8\ub098’\uc5d0\uc11c “\uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \ud604\ud589\ucc98\ub7fc 40%\ub97c \uc720\uc9c0\ud558\uace0 \ubcf4\ud5d8\ub8cc\ub9cc \uc778\uc0c1\ud574\uc57c \ud55c\ub2e4”\uba70 \uc774\uac19\uc774 \ubc1d\ud614\ub2e4.<\/strong><\/span><\/span><\/p>\n

(\uc911\ub7b5)<\/span><\/p>\n

\uad6d\ud68c\uac00 \ubcf4\ud5d8\ub8cc\uc728 \uc778\uc0c1(9%\u219213%)\uc5d0 \uc5ec\uc57c \ud569\uc758\ub97c \ubcf8 \uac83\uc740 ‘\uc5ed\uc0ac\uc801 \uc131\ucde8’\ub77c\uba70 \uc18c\ub4dd\ub300\uccb4\uc728 \ucc28\uc774 \ub2e8 1%p \ub54c\ubb38\uc5d0 \uc5f0\uae08\uac1c\ud601\uc548\uc744 \ubb34\uc0b0\uc2dc\ucf1c\uc120 \uc548 \ub41c\ub2e4\ub294 \uc77c\uac01\uc758 \uc8fc\uc7a5\ub3c4 \ubc18\ubc15\ud588\ub2e4.<\/span><\/p>\n

\uc724 \uc5f0\uad6c\uc704\uc6d0\uc740 “\uad6d\ud68c \ud2b9\uc704\uc5d0\uc11c \ub17c\uc758 \uc911\uc778 ‘\ubcf4\ud5d8\ub8cc\uc728 13%\u00b7\uc18c\ub4dd\ub300\uccb4\uc728 44%’\ub294 \uac1c\ud601\uc774 \uc544\ub2cc \uac1c\uc545”\uc774\ub77c\uba70 “\uc18c\ub4dd\ub300\uccb4\uc728 44%\uc5d0\uc11c\ub294 13%\uac00 \uc544\ub2cc, 21.8%\uc758 \ubcf4\ud5d8\ub8cc\ub97c \uac77\uc5b4\uc57c\ub9cc \ubbf8\ub798\uc138\ub300\uc5d0 \ube5a\uc744<\/span> \ub5a0 \ub118\uae30\uc9c0 \uc54a\uac8c \ub41c\ub2e4”\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/span><\/strong><\/span><\/span><\/p>\n

\ubbf8\ub798\uc138\ub300 \ubd80\ub2f4\uc744 \ub35c\uae30 \uc704\ud55c \uac1c\ud601\uc778 \ub9cc\ud07c \ubd80\ub2f4\uc744 \uc624\ud788\ub824 \uac00\uc911\uc2dc\ud0a4\ub294 \uc548\uc740 \uac1c\ud601\uc774 \uc544\ub2cc \uac1c\uc545\uc774\ub77c\ub294 \uac83\uc774\ub2e4.<\/span><\/p>\n

\uc724 \uc5f0\uad6c\uc704\uc6d0\uc740 ‘\ubcf4\ud5d8\ub8cc\uc728 12~15%\u00b7\uc18c\ub4dd\ub300\uccb4\uc728 40%’\uc744 \ub300\uc548\uc73c\ub85c \uc81c\uc2dc\ud588\ub2e4. \uadf8\ub294 “\uc18c\ub4dd\ub300\uccb4\uc728\uc744 (\ud604\ud589\ub300\ub85c) 40%\ub85c \uc720\uc9c0\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ubbf8\ub798\uc138\ub300\uc5d0 \ubd80\ucc44\ub97c \ub5a0 \ub118\uae30\uc9c0 \uc54a\uae30 \uc704\ud574\uc11c\ub294 19.8%\uc758 \ubcf4\ud5d8\ub8cc\ub97c \uac77\uc5b4\uc57c \ud55c\ub2e4”\uba70 “\uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \uc720\uc9c0\ud558\uace0 \ubcf4\ud5d8\ub8cc\ub9cc \uc778\uc0c1\ud574\uc57c \ud55c\ub2e4”\uace0 \uc124\uba85\ud588\ub2e4.<\/span><\/p>\n

\uad6d\ud68c\uac00 \ubcf4\ud5d8\ub8cc\uc728 \uc778\uc0c1(9%\u219213%)\uc5d0 \uc5ec\uc57c \ud569\uc758\ub97c \ubcf8 \uac83\uc740 ‘\uc5ed\uc0ac\uc801 \uc131\ucde8’\ub77c\uba70 \uc18c\ub4dd\ub300\uccb4\uc728 \ucc28\uc774 \ub2e8 1%p \ub54c\ubb38\uc5d0 \uc5f0\uae08\uac1c\ud601\uc548\uc744 \ubb34\uc0b0\uc2dc\ucf1c\uc120 \uc548 \ub41c\ub2e4\ub294 \uc77c\uac01\uc758 \uc8fc\uc7a5\ub3c4 \ubc18\ubc15\ud588\ub2e4.<\/span><\/p>\n

\uc724 \uc5f0\uad6c\uc704\uc6d0\uc740 “\uad6d\ud68c \ud2b9\uc704\uc5d0\uc11c \ub17c\uc758 \uc911\uc778 ‘\ubcf4\ud5d8\ub8cc\uc728 13%\u00b7\uc18c\ub4dd\ub300\uccb4\uc728 44%’\ub294 \uac1c\ud601\uc774 \uc544\ub2cc \uac1c\uc545”\uc774\ub77c\uba70 “\uc18c\ub4dd\ub300\uccb4\uc728 44%\uc5d0\uc11c\ub294 13%\uac00 \uc544\ub2cc, 21.8%\uc758 \ubcf4\ud5d8\ub8cc\ub97c \uac77\uc5b4\uc57c\ub9cc \ubbf8\ub798\uc138\ub300\uc5d0 \ube5a\uc744 \ub5a0 \ub118\uae30\uc9c0 \uc54a\uac8c \ub41c\ub2e4”\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/span><\/p>\n

\ubbf8\ub798\uc138\ub300 \ubd80\ub2f4\uc744 \ub35c\uae30 \uc704\ud55c \uac1c\ud601\uc778 \ub9cc\ud07c \ubd80\ub2f4\uc744 \uc624\ud788\ub824 \uac00\uc911\uc2dc\ud0a4\ub294 \uc548\uc740 \uac1c\ud601\uc774 \uc544\ub2cc \uac1c\uc545\uc774\ub77c\ub294 \uac83\uc774\ub2e4.<\/span><\/p>\n

\uc724 \uc5f0\uad6c\uc704\uc6d0\uc740 ‘\ubcf4\ud5d8\ub8cc\uc728 12~15%\u00b7\uc18c\ub4dd\ub300\uccb4\uc728 40%’\uc744 \ub300\uc548\uc73c\ub85c \uc81c\uc2dc\ud588\ub2e4. \uadf8\ub294 “\uc18c\ub4dd\ub300\uccb4\uc728\uc744 (\ud604\ud589\ub300\ub85c) 40%\ub85c \uc720\uc9c0\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ubbf8\ub798\uc138\ub300\uc5d0 \ubd80\ucc44\ub97c \ub5a0 \ub118\uae30\uc9c0 \uc54a\uae30 \uc704\ud574\uc11c\ub294 19.8%\uc758 \ubcf4\ud5d8\ub8cc\ub97c \uac77\uc5b4\uc57c \ud55c\ub2e4”\uba70 “\uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \uc720\uc9c0\ud558\uace0 \ubcf4\ud5d8\ub8cc\ub9cc \uc778\uc0c1\ud574\uc57c \ud55c\ub2e4”\uace0 \uc124\uba85\ud588\ub2e4.<\/strong><\/span><\/p>\n

https:\/\/v.daum.net\/v\/20240528113549003<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

(2024\ub144 5\uc6d4 \ub300\ud55c\ubbfc\uad6d\uc758 \ub300\ub2e4\uc218 \uc5b8\ub860, \uc815\uce58\uad8c \ub4f1\uc5d0\uc11c \ud1b5\uacfc\uc2dc\ud0a4\uae30\ub97c \uac15\uc694\ud588\ub358 \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc548\uc758 \uc2e4\uc0c1\uc774 \uac1c\ud601\uc744 \uac00\uc7a5\ud55c \uac1c\uc545\uc548\uc744 \ubc1d\ud788\uae30 \uc704\ud574\uc11c \ub2f9\uc2dc \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc815\ub3d9 \uc18c\uc7ac \ud504\ub780\uce58\uc2a4\ucf54 \ud68c\uad00\uc5d0\uc11c \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\uc2b5\ub2c8\ub2e4. \uacf5\uc801\uc5f0\uae08\uac15\ud654\uad6d\ubbfc\ud589\ub3d9\uacfc \uad6d\ud68c\uc758\uc6d0\ub4e4\uc774 \uad6d\ud68c \ubcf8\uad00 \uacc4\ub2e8\uc5d0 \ubaa8\uc5ec \uac1c\uc545\uc548\uc744 \ud1b5\uacfc\uc2dc\ud0a4\ub77c\uace0 \uc555\ubc15\ud558\ub358 \uc0c1\ud669\uc5d0\uc11c \uac1c\ucd5c\ub41c \uc138\ubbf8\ub098\uc600\uc2b5\ub2c8\ub2e4. \ub2f9\uc2dc \ub300\ud55c\ubbfc\uad6d\uc5d0\uc11c \uac70\uc758 \uc720\uc77c\ud558\uac8c \uc5f0\uae08\uc5f0\uad6c\ud68c \ud63c\uc790 \ub098\uc11c\uc11c \uac1c\uc545\uc548\uc744 \ud1b5\uacfc\uc2dc\ucf1c\uc11c\ub294 \uc54a\ub41c\ub2e4\uace0 \uc74d\uc18c\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\uc774 \uc788\uc5c8\uae30\uc5d0 \ub2f9\uc2dc \uad6d\ud68c\uc758\uc7a5\uc774 \ub098\uc130\uace0, […]<\/p>\n","protected":false},"author":11,"featured_media":2697,"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-2698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"\n"\uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 40%\uc11c \ub2e8 0.1%p\ub77c\ub3c4 \uc62c\ub9ac\uba74 \uac1c\uc545" (2024. 5. 28.) - \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\/02\/08\/post-20260207-153055-2709\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\""\uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 40%\uc11c \ub2e8 0.1%p\ub77c\ub3c4 \uc62c\ub9ac\uba74 \uac1c\uc545" (2024. 5. 28.) - \uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"og:description\" content=\"(2024\ub144 5\uc6d4 \ub300\ud55c\ubbfc\uad6d\uc758 \ub300\ub2e4\uc218 \uc5b8\ub860, \uc815\uce58\uad8c \ub4f1\uc5d0\uc11c \ud1b5\uacfc\uc2dc\ud0a4\uae30\ub97c \uac15\uc694\ud588\ub358 \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc548\uc758 \uc2e4\uc0c1\uc774 \uac1c\ud601\uc744 \uac00\uc7a5\ud55c \uac1c\uc545\uc548\uc744 \ubc1d\ud788\uae30 \uc704\ud574\uc11c \ub2f9\uc2dc \uc5f0\uae08\uc5f0\uad6c\ud68c\ub294 \uc815\ub3d9 \uc18c\uc7ac \ud504\ub780\uce58\uc2a4\ucf54 \ud68c\uad00\uc5d0\uc11c \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\uc2b5\ub2c8\ub2e4. \uacf5\uc801\uc5f0\uae08\uac15\ud654\uad6d\ubbfc\ud589\ub3d9\uacfc \uad6d\ud68c\uc758\uc6d0\ub4e4\uc774 \uad6d\ud68c \ubcf8\uad00 \uacc4\ub2e8\uc5d0 \ubaa8\uc5ec \uac1c\uc545\uc548\uc744 \ud1b5\uacfc\uc2dc\ud0a4\ub77c\uace0 \uc555\ubc15\ud558\ub358 \uc0c1\ud669\uc5d0\uc11c \uac1c\ucd5c\ub41c \uc138\ubbf8\ub098\uc600\uc2b5\ub2c8\ub2e4. \ub2f9\uc2dc \ub300\ud55c\ubbfc\uad6d\uc5d0\uc11c \uac70\uc758 \uc720\uc77c\ud558\uac8c \uc5f0\uae08\uc5f0\uad6c\ud68c \ud63c\uc790 \ub098\uc11c\uc11c \uac1c\uc545\uc548\uc744 \ud1b5\uacfc\uc2dc\ucf1c\uc11c\ub294 \uc54a\ub41c\ub2e4\uace0 \uc74d\uc18c\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\uc774 \uc788\uc5c8\uae30\uc5d0 \ub2f9\uc2dc \uad6d\ud68c\uc758\uc7a5\uc774 \ub098\uc130\uace0, […]\" \/>\n<meta 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