{"id":2997,"date":"2026-02-16T23:36:20","date_gmt":"2026-02-16T14:36:20","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/16\/post-20260216-143620-1839\/"},"modified":"2026-02-17T18:05:52","modified_gmt":"2026-02-17T09:05:52","slug":"post-20260216-143620-1839","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/16\/post-20260216-143620-1839\/","title":{"rendered":"\u201c\uc6b4\uc6a9 \uc815\ubcf4 \ud22c\uba85\ud558\uac8c \uacf5\uac1c\ub97c\u201d \u201c\uc7a5\uae30\uc801 \uc548\ubaa9\uc73c\ub85c \ud22c\uc790\ud574\uc57c\u201d (2021.03.20.)"},"content":{"rendered":"

(\uad6d\ubbfc\uc5f0\uae08 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc \uac15\ud654\uac00 \uac70\ub860\ub418\ub294 \uc0c1\ud669\uc774\ub2e4 \ubcf4\ub2c8,<\/strong><\/span><\/p>\n

\ub610\ud55c \uc5f0\uae08\uc5f0\uad6c\ud68c\uac00 \uad00\ub828 \uc8fc\uc81c\ub85c 12\ucc28 \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\ub2e4 \ubcf4\ub2c8<\/strong><\/span><\/p>\n

2021\ub144 \ub3d9\uc77c\ud55c \uc8fc\uc81c\uc758 \ub300\ub2f4 \uae30\uc0ac\ub97c \uc5f0\uae08\uc5f0\uad6c\ud68c \uc790\ub8cc\uc2e4\uc5d0 \uc62c\ub9b0\ub2e4.)<\/strong><\/span><\/p>\n

Q: \uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c\ub97c \uc544\uc608 \ubcf5\uc9c0\ubd80\ub85c\ubd80\ud130 \ub3c5\ub9bd\uc2dc\ud0a4\uba74 \ub418\uc9c0 \uc54a\ub098.<\/strong><\/span><\/div>\n
\n

A <\/strong>:\u00a0\ub958\uc601\uc7ac=<\/span>\ub178\ubb34\ud604\u00b7\uc774\uba85\ubc15\u00b7\ubc15\uadfc\ud61c \uc815\ubd80 \ub54c\ub3c4 \uadf8\ub7f0 \ub17c\uc758\uac00 \ud65c\ubc1c\ud588\uc9c0\ub9cc \uacb0\uad6d \uc2e4\ud604\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/strong><\/span> \uc55e\uc73c\ub85c\ub3c4 \uadf8\ub7f4 \uacf5\uc0b0\uc774 \ud06c\ub2e4. \uc77c\ub2e8 \ubcf5\uc9c0\ubd80\uc5d0\uc11c \ub048\uc744 \ub193\uc73c\ub824 \ud558\uc9c0 \uc54a\ub294\ub2e4. <\/span><\/p>\n

\uadf8\ub807\ub2e4\uace0 \uc77c\uac01\uc758 \ub17c\uc758\ucc98\ub7fc \uae30\ud68d\uc7ac\uc815\ubd80 \uc0b0\ud558\ub85c \uc62e\uae34\ub2e4\uace0 \ud574\uc11c \uc815\uce58\uc801 \uc785\uae40\uc774 \uc904\uc5b4\ub4e4\uae4c? \uae30\uc7ac\ubd80\uac00 \uc804\ubb38\uc131\uc740 \ub354 \uc788\uaca0\uc9c0\ub9cc \uad6d\ubbfc\uc5f0\uae08 \uc7ac\uc815\uc744 \uac01 \uc815\ubd80\uc758 \uc785\ub9db\uc5d0 \ub9de\ub294 \uc815\ucc45\uc5d0 \uc27d\uac8c \ub04c\uc5b4\ub2e4 \uc4f8 \uc704\ud5d8\uc131\uc740 \ub354 \ud06c\ub2e4. <\/span><\/p>\n

\uc5b4\ub5a4 \uc815\ubd80\uac00 \ub4e4\uc5b4\uc11c\uace0 \uad6d\ud68c\uac00 \uc5b4\ub5bb\uac8c \ud615\uc131\ub418\ub4e0 \uc5ec\uc57c \uac04\uc758 \uc774\uacac\uc744 \uc881\ud788\uae30\ub3c4 \uc5b4\ub835\ub2e4. <\/span><\/p>\n

\ud604\uc2e4\uc801 \ub300\uc548\uc73c\ub85c\u00a02018\ub144 \uad6d\ubbfc\uc5f0\uae08\ub3c4 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc\ub97c \ub3c4\uc785\ud55c \uac70\ub2e4. <\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc774 \uc8fc\uc8fc\uad8c \ud589\uc0ac\uc640 \uad00\ub828\ud55c \uc911\uc694\ud55c \uc758\uc0ac\uacb0\uc815\uc744 \uae30\uc874\ucc98\ub7fc \ubc00\uc2e4\uc5d0\uc11c \ud558\uc9c0 \ub9d0\uace0, \ud6e4\ud788 \ubcf4\uc774\ub294 \uc720\ub9ac\uc0c1\uc790 \uc548\uc5d0\uc11c \ud558\uac8c \ub9cc\ub4e4\uc5b4\uc11c \uc815\ubd80\ub098 \uc815\uce58\uad8c \ub9c8\uc74c\ub300\ub85c \uad6d\ubbfc\uc5f0\uae08\uc744 \uc8fc\ubb34\ub974\uc9c0 \ubabb\ud558\uac8c \ud558\uc790\ub294 \ucde8\uc9c0\uc600\ub2e4. <\/strong><\/span><\/p>\n

\uc9c0\uae08\uc73c\ub85c\uc120 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc\ub77c\ub3c4 \uc81c\ub300\ub85c \uc791\ub3d9\ud558\uac8c \ud558\ub294 \uac8c \ucc28\uc120\ucc45\uc774\uc790 \uac00\uc7a5 \ud604\uc2e4\uc801\uc778 \ub300\ucc45\uc774\ub2e4.<\/span><\/p>\n

\uc724\uc11d\uba85=\uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc\uac00 \uc5f0\uae08\uc0ac\ud68c\uc8fc\uc758 \uc218\ub2e8\uc73c\ub85c \uc545\uc6a9\ub418\uae30 \ub54c\ubb38\uc5d0 \uc77c\uac01\uc5d0\uc120 \ud3d0\uc9c0\ub860\uae4c\uc9c0 \uc8fc\uc7a5\ud55c\ub2e4. \uadf8\ub7ec\ub098 \ud3d0\uc9c0\ub294 \uacfc\ud558\ub2e4.<\/strong> <\/span><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc740 \uad6d\ub0b4 \uc99d\uc2dc\uc5d0\uc11c \ub54c\ub860 \ubc31\uae30\uc0ac \uc5ed\ud560\uc744 \ud558\uace0, \ub54c\ub860 \uc4f4 \uc18c\ub9ac\ub97c \ub0b4\uba74\uc11c \uac74\uac15\ud55c \uacac\uc81c\uc5d0 \ub098\uc11c\ub294 \uc21c\uae30\ub2a5\ub3c4 \ud55c\ub2e4. <\/span><\/p>\n

\uc911\uc694\ud55c \uac74 \uc815\ubd80\u00b7\uc815\uce58\uad8c\uc774 \uc81c\ub3c4 \uc790\uccb4\ub97c \uc545\uc6a9\ud558\uc9c0 \ubabb\ud558\ub3c4\ub85d \uad6d\ubbfc\uc5f0\uae08\uc774 \ub9e4\uc0ac \uc815\ubcf4\ub97c \ud22c\uba85\ud558\uac8c \uacf5\uac1c\ud574\uc57c \ud55c\ub2e4\ub294 \uac70\ub2e4. <\/strong><\/span><\/p>\n

\uadf8\ub798\uc57c \uc81c\ub3c4 \ub3c4\uc785 \ucde8\uc9c0\uc5d0\ub3c4 \ubd80\ud569\ud55c\ub2e4. <\/span><\/p>\n

\uae30\uc5c5 \uc785\uc7a5\uc5d0\uc11c\ub3c4 \uad6d\ubbfc\uc5f0\uae08\uc774 \ub354 \ud22c\uba85\ud558\uac8c \uc6b4\uc601\ub41c\ub2e4\uba74 \uce7c\ub05d\uc774 \uc790\uc2e0\ub4e4\uc744 \uaca8\ub220\ub3c4 \uc9c0\uae08\ucc98\ub7fc \uc815\uce58\uc801\uc778 \ubb38\uc81c\ub97c \uac71\uc815\ud558\ub294 \uc77c\uc740 \uc904\uc5b4\ub4e4 \uac70\ub2e4.<\/strong><\/span><\/p>\n<\/div>\n

https:\/\/n.news.naver.com\/article\/353\/0000039145?sid=102<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

(\uad6d\ubbfc\uc5f0\uae08 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc \uac15\ud654\uac00 \uac70\ub860\ub418\ub294 \uc0c1\ud669\uc774\ub2e4 \ubcf4\ub2c8, \ub610\ud55c \uc5f0\uae08\uc5f0\uad6c\ud68c\uac00 \uad00\ub828 \uc8fc\uc81c\ub85c 12\ucc28 \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\ub2e4 \ubcf4\ub2c8 2021\ub144 \ub3d9\uc77c\ud55c \uc8fc\uc81c\uc758 \ub300\ub2f4 \uae30\uc0ac\ub97c \uc5f0\uae08\uc5f0\uad6c\ud68c \uc790\ub8cc\uc2e4\uc5d0 \uc62c\ub9b0\ub2e4.) Q: \uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c\ub97c \uc544\uc608 \ubcf5\uc9c0\ubd80\ub85c\ubd80\ud130 \ub3c5\ub9bd\uc2dc\ud0a4\uba74 \ub418\uc9c0 \uc54a\ub098. A :\u00a0\ub958\uc601\uc7ac=\ub178\ubb34\ud604\u00b7\uc774\uba85\ubc15\u00b7\ubc15\uadfc\ud61c \uc815\ubd80 \ub54c\ub3c4 \uadf8\ub7f0 \ub17c\uc758\uac00 \ud65c\ubc1c\ud588\uc9c0\ub9cc \uacb0\uad6d \uc2e4\ud604\ub418\uc9c0 \uc54a\uc558\ub2e4. \uc55e\uc73c\ub85c\ub3c4 \uadf8\ub7f4 \uacf5\uc0b0\uc774 \ud06c\ub2e4. \uc77c\ub2e8 \ubcf5\uc9c0\ubd80\uc5d0\uc11c \ub048\uc744 \ub193\uc73c\ub824 \ud558\uc9c0 \uc54a\ub294\ub2e4. \uadf8\ub807\ub2e4\uace0 \uc77c\uac01\uc758 \ub17c\uc758\ucc98\ub7fc \uae30\ud68d\uc7ac\uc815\ubd80 \uc0b0\ud558\ub85c […]<\/p>\n","protected":false},"author":11,"featured_media":3032,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"bBlocksCursorData":"","_kadence_starter_templates_imported_post":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-2997","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-archive"],"acf":[],"yoast_head":"\n\u201c\uc6b4\uc6a9 \uc815\ubcf4 \ud22c\uba85\ud558\uac8c \uacf5\uac1c\ub97c\u201d \u201c\uc7a5\uae30\uc801 \uc548\ubaa9\uc73c\ub85c \ud22c\uc790\ud574\uc57c\u201d (2021.03.20.) - \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\/16\/post-20260216-143620-1839\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201c\uc6b4\uc6a9 \uc815\ubcf4 \ud22c\uba85\ud558\uac8c \uacf5\uac1c\ub97c\u201d \u201c\uc7a5\uae30\uc801 \uc548\ubaa9\uc73c\ub85c \ud22c\uc790\ud574\uc57c\u201d (2021.03.20.) - \uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"og:description\" content=\"(\uad6d\ubbfc\uc5f0\uae08 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ucf54\ub4dc \uac15\ud654\uac00 \uac70\ub860\ub418\ub294 \uc0c1\ud669\uc774\ub2e4 \ubcf4\ub2c8, \ub610\ud55c \uc5f0\uae08\uc5f0\uad6c\ud68c\uac00 \uad00\ub828 \uc8fc\uc81c\ub85c 12\ucc28 \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\ub2e4 \ubcf4\ub2c8 2021\ub144 \ub3d9\uc77c\ud55c \uc8fc\uc81c\uc758 \ub300\ub2f4 \uae30\uc0ac\ub97c \uc5f0\uae08\uc5f0\uad6c\ud68c \uc790\ub8cc\uc2e4\uc5d0 \uc62c\ub9b0\ub2e4.) Q: \uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c\ub97c \uc544\uc608 \ubcf5\uc9c0\ubd80\ub85c\ubd80\ud130 \ub3c5\ub9bd\uc2dc\ud0a4\uba74 \ub418\uc9c0 \uc54a\ub098. 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