{"id":3157,"date":"2026-02-27T00:30:37","date_gmt":"2026-02-26T15:30:37","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/"},"modified":"2026-03-05T00:05:04","modified_gmt":"2026-03-04T15:05:04","slug":"post-20260226-153037-7549","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/","title":{"rendered":"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.)"},"content":{"rendered":"

(11\ub144 \uc804\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 \uad00\ub828 \ub17c\uc7c1\uc744 \ub418\ub3cc\uc544 \ubd10\uc57c \ud560 \ub54c\uc774\ub2e4.<\/strong><\/span><\/p>\n

\uadf8 \ud6c4\uacfc\uac00 \ucc38\ub2f4\ud574 \ubcf4\uc5ec\uc11c\ub2e4!!)<\/strong><\/span><\/p>\n

\u300a\ubb38\ud615\ud45c \ubcf4\uac74\ubcf5\uc9c0\ubd80 \uc7a5\uad00\uc774 \ucd5c\uadfc \uacf5\ubb34\uc6d0\uc5f0\uae08 \uac1c\ud601\uc774 \ub05d\ub098\uba74 \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601\uc5d0 \ub098\uc11c\uaca0\ub2e4\ub294 \ub73b\uc744 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \ub9c8\uce68 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc5ec\uc57c \ud55c\ub2e4\ub294 \uc8fc\uc7a5\uc774 \ub098\uc624\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \uc0dd\uc560 \ud3c9\uade0\uc18c\ub4dd\uc5d0\uc11c \uc5f0\uae08\uc73c\ub85c \ubc1b\ub294 \ube44\uc728\ub85c 2028\ub144\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c 40%\ub85c \ub0ae\uc544\uc9c0\uac8c \ub3fc \uc788\uc2b5\ub2c8\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc774\ub77c\ub294 \ucabd\uc5d0\uc11c\ub294 \uc870\uae30 \ud1f4\uc9c1\uc73c\ub85c \uac00\uc785 \uae30\uac04\uc774 \uc9e7\uc544 \uc5f0\uae08\uc740 \uc6a9\ub3c8 \uc218\uc900\uc5d0 \ubd88\uacfc\ud558\ub2e4\ub294 \ube44\uc544\ub0e5\uc774 \ub098\uc628\ub2e4\uba70 \ubcf4\ud5d8\ub8cc\ub97c \uc62c\ub824\uc11c\ub77c\ub3c4 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc5ec\uc57c \ud55c\ub2e4\uace0 \uc8fc\uc7a5\ud569\ub2c8\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ubc18\uba74\uc5d0 \ubc18\ub300\ud3b8\uc5d0\uc11c\ub294 \ud55c\uad6d\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uc120\uc9c4\uad6d\uacfc \ube44\uad50\ud574\ub3c4 \ub0ae\uc9c0 \uc54a\uc73c\uba70 1\uc778 1\uc5f0\uae08 \uccb4\uc81c\ub85c \uac00\uba74 \ubaa8\uc790\ub77c\uc9c0 \uc54a\ub294 \uc218\uc900\uc774\ub77c\uace0 \ub9de\uc11c\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ub450 \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \uc2e3\uc2b5\ub2c8\ub2e4.\u300b<\/span><\/strong><\/span><\/p>\n

\uae40\uc5f0\uba85 \uc911\uc559\ub300 \uc0ac\ud68c\ubcf5\uc9c0\ud559\uacfc \uad50\uc218<\/em><\/span><\/strong><\/span>
\n\u8d0a\u00a0\uad6d\ubbfc\uc5f0\uae08\uc740 \u2018\uc6a9\ub3c8\u2019\uc740 \ub418\uc9c0\ub9cc \uc0dd\ud65c\ube44\uac00 \ub418\uae30\uc5d0\ub294 \ud131\uc5c6\uc774 \ub0ae\ub2e4. \uba85\ubaa9\uc0c1\uc73c\ub85c\ub294 \uc5f0\uae08\uc561\uc774 \ubcf8\uc778 \ud3c9\uade0\uc18c\ub4dd\uc758\u00a040%\uc9c0\ub9cc \uc774\ub294\u00a040\ub144\uac04\uc758 \ubcf4\ud5d8\ub8cc \ub0a9\ubd80\ub97c \uc804\uc81c\ub85c \ud55c \uac83\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ub2a6\uc740 \uc785\uc9c1\uacfc \uc870\uae30 \ud1f4\uc9c1\uc774 \uc2ec\ud574\uc9c0\ub294 \uc0c1\ud669\uc5d0\uc11c\u00a040\ub144 \ubcf4\ud5d8\ub8cc \ub0a9\ubd80\ub294 \ubd88\uac00\ub2a5\ud558\ub2e4. \ub109\ub109\uc7a1\uc544 \ud3c9\uade0\u00a025\ub144 \uc815\ub3c4 \uac00\uc785\ud558\ub294\ub370 \uc774\ub807\uac8c \ub418\uba74 \uc5f0\uae08\uc561\uc740\u00a040%\uac00 \uc544\ub2c8\ub77c\u00a025%\uac00 \ub41c\ub2e4. <\/span><\/p>\n

\ud604\uc7ac \uae30\uc900\uc73c\ub85c \ud3c9\uc0dd \ubc1b\uc740 \uc6d4\uae09\uc758 \ud3c9\uade0\uc561\uc774\u00a0200\ub9cc \uc6d0 \uc815\ub3c4\uc774\uace0\u00a025\ub144\uc744 \uad6d\ubbfc\uc5f0\uae08\uc5d0 \uac00\uc785\ud558\uba74 \ub300\ub7b5\u00a050\ub9cc \uc6d0\uc758 \uc5f0\uae08\uc744 \ubc1b\uac8c \ub41c\ub2e4.\u00a02015\ub144 1\uc778 \uac00\uad6c \ucd5c\uc800\uc0dd\uacc4\ube44\u00a062\ub9cc \uc6d0\uc5d0\ub3c4 \ubabb \ubbf8\uce5c\ub2e4. <\/span><\/p>\n

\uac00\uc7a5 \ud3c9\uade0\uc801\uc778 \uc6d4\uae09\uc744 \ubc1b\ub294 \uc0ac\ub78c\uc774 \ud3c9\uc0dd \ubcf4\ud5d8\ub8cc\ub97c \ub0b4\uace0\ub3c4 \ucd5c\uc800\uc0dd\uacc4\ube44\ub3c4 \uc548 \ub418\ub294 \uc5f0\uae08\uc744 \ubc1b\ub294 \uac83\uc774 \ud604\uc2e4\uc774\ub2e4. <\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc744 \ub9cc\ub4e0 \uc774\uc720\ub294 \ub178\ud6c4\uc5d0 \ucd5c\uc18c\ud55c\uc758 \ud488\uc704\ub97c \uc9c0\ud0a4\uba74\uc11c \uc0b4 \uc218 \uc788\uac8c \ud558\uc790\ub294 \uac83\uc778\ub370 \ucd5c\uc18c\ud55c\uc758 \ud488\uc704\ub294 \uace0\uc0ac\ud558\uace0 \ube48\uace4\uc5d0 \ud5c8\ub355\uc774\uc9c0 \uc54a\uc73c\uba74 \ub2e4\ud589\uc778 \uac83\uc774\ub2e4. \uc774\uac83\uc774 \uad6d\ubbfc\uc5f0\uae08\uc744 \ub300\ud3ed \uc778\uc0c1\ud574\uc57c \ud558\ub294 \uac00\uc7a5 \uadfc\ubcf8\uc801\uc778 \uc774\uc720\uc774\ub2e4.<\/span><\/strong><\/span><\/p>\n

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

\uc724\uc11d\uba85 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0 \uc5f0\uad6c\uc704\uc6d0 \uace0\ub824\ub300 \uacbd\uc81c\ud559\uacfc \uacb8\uc784\uad50\uc218<\/em><\/span><\/strong><\/span>
\n\u53cd\u00a0\uacf5\uc801\uc5f0\uae08\uc758 \uae30\ub2a5 \uac15\ud654\ub97c \uc704\ud574 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \uc778\uc0c1\ud558\uc790\ub294 \uc8fc\uc7a5\uc774 \uc81c\uae30\ub418\uace0 \uc788\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ub450 \ucc28\ub840 \uac1c\ud601\uc73c\ub85c \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \ub108\ubb34 \ub9ce\uc774 \uae4e\uc5ec \ub178\ud6c4 \uc18c\ub4dd \ubcf4\uc7a5\uc774 \uc5b4\ub835\uac8c \ub418\uc5c8\uc73c\ub2c8, \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub354 \ub192\uc5ec \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd \ubcf4\uc7a5 \uae30\ub2a5\uc744 \uac15\ud654\ud558\uc790\ub294 \uac83\uc774\ub2e4. <\/span><\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd \ubcf4\uc7a5 \uae30\ub2a5\uc744 \uac15\ud654\ud574 \uc5f0\uae08\uc744 \uc5f0\uae08\ub2f5\uac8c \ub9cc\ub4e4\uc790\uace0 \ud558\ub2c8 \ub4e3\uae30\uc5d0 \uc194\uae43\ud574 \ubcf4\uc774\ub098, \uc870\uae08 \ub354 \ub4e4\uc5ec\ub2e4\ubcf4\uba74 \ubb38\uc81c\uac00 \ub9ce\uc740 \uc8fc\uc7a5<\/span>\uc784\uc744 \uc54c \uc218 \uc788\ub2e4.<\/span><\/span><\/strong><\/p>\n

2015\ub144 \ud604\uc7ac \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728(40\ub144 \uac00\uc785\ud55c \uc911\uc704 \uc18c\ub4dd\uc790 \uae30\uc900) \uc801\uc6a9\uc218\uce58\ub294\u00a046.5%\uc774\uba70 \ub9e4\ub144\u00a00.5%\ud3ec\uc778\ud2b8\uc529 \ud558\ub77d\ud574\u00a02028\ub144\uc5d0\ub294\u00a040%\ub97c \uc801\uc6a9\ubc1b\ub294\ub2e4. <\/span><\/p>\n

\uc81c\ub300\ub85c \ub41c \ub17c\uc7c1\uc744 \ud558\ub824\uba74 \uc6a9\ub3c8 \uc5f0\uae08\uc758 \uc0c1\uc9d5\uc774 \ub41c\u00a040%\uac00\u00a02028\ub144\uc5d0 \uad6d\ubbfc\uc5f0\uae08\uc5d0 \uac00\uc785\ud560 \ubbf8\ub798 \uc138\ub300\uc5d0\uac8c \uc801\uc6a9\ub420 \uc18c\ub4dd\ub300\uccb4\uc728\uc774\ub77c\ub294 \uc0ac\uc2e4\ubd80\ud130 \uacf5\uc720\ud574\uc57c \ud55c\ub2e4.\u00a0<\/span><\/strong><\/span><\/p>\n

1988\ub144\ubd80\ud130 \uad6d\ubbfc\uc5f0\uae08\uc5d0 \uac00\uc785\ud588\ub2e4\uba74\u00a011\ub144 \ub3d9\uc548\uc740\u00a070%, \uc774\ud6c4\u00a010\ub144\uc740\u00a060%\ub97c \uc801\uc6a9\ubc1b\ub294\ub2e4. <\/span><\/p>\n

\uc9c0\uae08\ubd80\ud130\u00a013\ub144 \ub4a4\uc778\u00a02028\ub144\uc5d0 \uac00\uc11c\uc57c\u00a040%\uac00 \uc801\uc6a9\ub418\ub2e4 \ubcf4\ub2c8\u00a040\ub300 \uc911\ubc18 \uc774\uc0c1\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc740\u00a050%\ub97c \ud6cc\uca4d \ub118\uc5b4\uc120\ub2e4.<\/span><\/strong><\/span><\/p>\n

\uc5f0\uae08\uc81c\ub3c4 \uc131\uc219 \ub2e8\uacc4\uc5d0\uc11c\ub3c4\u00a040% \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uc6a9\ub3c8\uc5d0 \ubd88\uacfc\ud55c \ub0ae\uc740 \uc218\uc900\uc778\uc9c0\ub3c4 \uac80\ud1a0\ud574 \ubd10\uc57c \ud55c\ub2e4. <\/span><\/p>\n

\uacbd\uc81c\ud611\ub825\uac1c\ubc1c\uae30\uad6c(OECD) \ubcf4\uace0\uc11c(Pensions\u00a0at\u00a0a\u00a0Glance\u00a02013)\uc758 \uc8fc\uc694 \uad6d\uac00 \uc18c\ub4dd\ub300\uccb4\uc728(\uc911\uc704 \uc18c\ub4dd\uc790 \uae30\uc900)\uc744 \uc0b4\ud3b4\ubcf4\uba74 \ud55c\uad6d(43.9%), \ub3c5\uc77c(42.0%), \ubbf8\uad6d(41.0%), \uc77c\ubcf8(37.5%) \uc21c\uc774\ub2e4. <\/span><\/p>\n

\uc6b0\ub9ac\ub098\ub77c \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uacb0\ucf54 \ub0ae\uc9c0 \uc54a\uc74c\uc744 \uc54c \uc218 \uc788\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ubc1b\ub294 \uc5f0\uae08\uc561\uc73c\ub85c \ube44\uad50\ud574 \ubd10\ub3c4 \uadf8\ub807\ub2e4.<\/span><\/strong><\/span><\/p>\n

\ubbf8\uad6d\uc758 \uc6d4\ud3c9\uade0 \uad6d\ubbfc\uc5f0\uae08\uc561\uc774\u00a0145\ub9cc \uc6d0(\uc6d4\u00a01261\ub2ec\ub7ec)\uc778 \ubc18\uba74,\u00a020\ub144 \uc774\uc0c1 \uac00\uc785\ud55c \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uc790\uc758 \uc6d4\ud3c9\uade0 \uc5f0\uae08\uc561\uc740\u00a0100\uc5ec\ub9cc \uc6d0\uc5d0 \ub2ec\ud55c\ub2e4. <\/span><\/p>\n

\ub450 \ub098\ub77c\uc758 \uc18c\ub4dd \uc218\uc900 \ucc28\ub97c \uac10\uc548\ud558\uba74 \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc561\uc774 \uacb0\ucf54 \uc801\uc9c0 \uc54a\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc0c1\ud669\uc774 \uc774\ub7ec\ud55c\ub370\ub3c4 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \ub0ae\uac8c \ub290\uaef4\uc9c0\ub294 \uac83\uc740 \uc81c\ub3c4 \ub3c4\uc785 \uc5ed\uc0ac\uac00 \uc9e7\uc544 \uc2e4\uc81c \uac00\uc785 \uae30\uac04\uacfc \uc18c\ub4dd\ub300\uccb4\uc728\uc758 \uad34\ub9ac\uac00 \ud06c\uae30 \ub54c\ubb38\uc774\ub2e4. \uc81c\ub3c4 \ub3c4\uc785 \uc5ed\uc0ac\uac00 \uc9e7\ub2e4 \ubcf4\ub2c8 \uc2e4\uc81c \uac00\uc785\ud560 \uc218 \uc788\ub294 \uae30\uac04\uc774 \uc9e7\uc544\uc11c\ub2e4.<\/span><\/strong><\/span><\/p>\n

https:\/\/n.news.naver.com\/article\/020\/0002779340?sid=110<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

(11\ub144 \uc804\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 \uad00\ub828 \ub17c\uc7c1\uc744 \ub418\ub3cc\uc544 \ubd10\uc57c \ud560 \ub54c\uc774\ub2e4. \uadf8 \ud6c4\uacfc\uac00 \ucc38\ub2f4\ud574 \ubcf4\uc5ec\uc11c\ub2e4!!) \u300a\ubb38\ud615\ud45c \ubcf4\uac74\ubcf5\uc9c0\ubd80 \uc7a5\uad00\uc774 \ucd5c\uadfc \uacf5\ubb34\uc6d0\uc5f0\uae08 \uac1c\ud601\uc774 \ub05d\ub098\uba74 \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601\uc5d0 \ub098\uc11c\uaca0\ub2e4\ub294 \ub73b\uc744 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \ub9c8\uce68 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc5ec\uc57c \ud55c\ub2e4\ub294 \uc8fc\uc7a5\uc774 \ub098\uc624\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \uc0dd\uc560 \ud3c9\uade0\uc18c\ub4dd\uc5d0\uc11c \uc5f0\uae08\uc73c\ub85c \ubc1b\ub294 \ube44\uc728\ub85c 2028\ub144\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c 40%\ub85c \ub0ae\uc544\uc9c0\uac8c \ub3fc \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc774\ub77c\ub294 \ucabd\uc5d0\uc11c\ub294 \uc870\uae30 \ud1f4\uc9c1\uc73c\ub85c \uac00\uc785 \uae30\uac04\uc774 \uc9e7\uc544 […]<\/p>\n","protected":false},"author":11,"featured_media":3156,"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-3157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"\n[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.) - \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\/27\/post-20260226-153037-7549\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.) - \uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"og:description\" content=\"(11\ub144 \uc804\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 \uad00\ub828 \ub17c\uc7c1\uc744 \ub418\ub3cc\uc544 \ubd10\uc57c \ud560 \ub54c\uc774\ub2e4. \uadf8 \ud6c4\uacfc\uac00 \ucc38\ub2f4\ud574 \ubcf4\uc5ec\uc11c\ub2e4!!) \u300a\ubb38\ud615\ud45c \ubcf4\uac74\ubcf5\uc9c0\ubd80 \uc7a5\uad00\uc774 \ucd5c\uadfc \uacf5\ubb34\uc6d0\uc5f0\uae08 \uac1c\ud601\uc774 \ub05d\ub098\uba74 \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601\uc5d0 \ub098\uc11c\uaca0\ub2e4\ub294 \ub73b\uc744 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \ub9c8\uce68 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc5ec\uc57c \ud55c\ub2e4\ub294 \uc8fc\uc7a5\uc774 \ub098\uc624\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \uc0dd\uc560 \ud3c9\uade0\uc18c\ub4dd\uc5d0\uc11c \uc5f0\uae08\uc73c\ub85c \ubc1b\ub294 \ube44\uc728\ub85c 2028\ub144\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c 40%\ub85c \ub0ae\uc544\uc9c0\uac8c \ub3fc \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc774\ub77c\ub294 \ucabd\uc5d0\uc11c\ub294 \uc870\uae30 \ud1f4\uc9c1\uc73c\ub85c \uac00\uc785 \uae30\uac04\uc774 \uc9e7\uc544 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-26T15:30:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-04T15:05:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"1362\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"smy1985\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"smy1985\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/\"},\"author\":{\"name\":\"smy1985\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1\"},\"headline\":\"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.)\",\"datePublished\":\"2026-02-26T15:30:37+00:00\",\"dateModified\":\"2026-03-04T15:05:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/\"},\"wordCount\":12,\"publisher\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg\",\"articleSection\":[\"\uc778\uc0ac\uc774\ud2b8\",\"\uc804\ubb38\uac00 \uce7c\ub7fc\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/\",\"url\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/\",\"name\":\"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.) - \uc5f0\uae08\uc5f0\uad6c\ud68c\",\"isPartOf\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg\",\"datePublished\":\"2026-02-26T15:30:37+00:00\",\"dateModified\":\"2026-03-04T15:05:04+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage\",\"url\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg\",\"contentUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg\",\"width\":500,\"height\":1362},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\ud648\",\"item\":\"https:\/\/www.pensionfutureforum.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#website\",\"url\":\"https:\/\/www.pensionfutureforum.org\/\",\"name\":\"\uc5f0\uae08\uc5f0\uad6c\ud68c\",\"description\":\"\uc138\ub300\uc640 \uc138\ub300\ub97c \uc787\ub294 \uc5f0\uae08, \ubbf8\ub798\ub97c \uc704\ud55c \uad6c\uc870\ub97c \uc5f0\uad6c\ud569\ub2c8\ub2e4.\",\"publisher\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.pensionfutureforum.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#organization\",\"name\":\"\uc5f0\uae08\uc5f0\uad6c\ud68c\",\"url\":\"https:\/\/www.pensionfutureforum.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png\",\"contentUrl\":\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png\",\"width\":784,\"height\":248,\"caption\":\"\uc5f0\uae08\uc5f0\uad6c\ud68c\"},\"image\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1\",\"name\":\"smy1985\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g\",\"caption\":\"smy1985\"},\"url\":\"https:\/\/www.pensionfutureforum.org\/index.php\/author\/smy1985\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.) - \uc5f0\uae08\uc5f0\uad6c\ud68c","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/","og_locale":"ko_KR","og_type":"article","og_title":"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.) - \uc5f0\uae08\uc5f0\uad6c\ud68c","og_description":"(11\ub144 \uc804\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 \uad00\ub828 \ub17c\uc7c1\uc744 \ub418\ub3cc\uc544 \ubd10\uc57c \ud560 \ub54c\uc774\ub2e4. \uadf8 \ud6c4\uacfc\uac00 \ucc38\ub2f4\ud574 \ubcf4\uc5ec\uc11c\ub2e4!!) \u300a\ubb38\ud615\ud45c \ubcf4\uac74\ubcf5\uc9c0\ubd80 \uc7a5\uad00\uc774 \ucd5c\uadfc \uacf5\ubb34\uc6d0\uc5f0\uae08 \uac1c\ud601\uc774 \ub05d\ub098\uba74 \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601\uc5d0 \ub098\uc11c\uaca0\ub2e4\ub294 \ub73b\uc744 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \ub9c8\uce68 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc5ec\uc57c \ud55c\ub2e4\ub294 \uc8fc\uc7a5\uc774 \ub098\uc624\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc740 \uc0dd\uc560 \ud3c9\uade0\uc18c\ub4dd\uc5d0\uc11c \uc5f0\uae08\uc73c\ub85c \ubc1b\ub294 \ube44\uc728\ub85c 2028\ub144\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c 40%\ub85c \ub0ae\uc544\uc9c0\uac8c \ub3fc \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ub192\uc774\ub77c\ub294 \ucabd\uc5d0\uc11c\ub294 \uc870\uae30 \ud1f4\uc9c1\uc73c\ub85c \uac00\uc785 \uae30\uac04\uc774 \uc9e7\uc544 […]","og_url":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/","og_site_name":"\uc5f0\uae08\uc5f0\uad6c\ud68c","article_published_time":"2026-02-26T15:30:37+00:00","article_modified_time":"2026-03-04T15:05:04+00:00","og_image":[{"width":500,"height":1362,"url":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg","type":"image\/jpeg"}],"author":"smy1985","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"smy1985"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#article","isPartOf":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/"},"author":{"name":"smy1985","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1"},"headline":"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.)","datePublished":"2026-02-26T15:30:37+00:00","dateModified":"2026-03-04T15:05:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/"},"wordCount":12,"publisher":{"@id":"https:\/\/www.pensionfutureforum.org\/#organization"},"image":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg","articleSection":["\uc778\uc0ac\uc774\ud2b8","\uc804\ubb38\uac00 \uce7c\ub7fc"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/","url":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/","name":"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.) - \uc5f0\uae08\uc5f0\uad6c\ud68c","isPartOf":{"@id":"https:\/\/www.pensionfutureforum.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage"},"image":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg","datePublished":"2026-02-26T15:30:37+00:00","dateModified":"2026-03-04T15:05:04+00:00","breadcrumb":{"@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#primaryimage","url":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg","contentUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/02\/70755157.1_99_20150417092905.jpg","width":500,"height":1362},{"@type":"BreadcrumbList","@id":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/27\/post-20260226-153037-7549\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\ud648","item":"https:\/\/www.pensionfutureforum.org\/"},{"@type":"ListItem","position":2,"name":"[\ub3d9\uc544\uc7c1\ub860] \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728 \uc778\uc0c1 (2015.04.17.)"}]},{"@type":"WebSite","@id":"https:\/\/www.pensionfutureforum.org\/#website","url":"https:\/\/www.pensionfutureforum.org\/","name":"\uc5f0\uae08\uc5f0\uad6c\ud68c","description":"\uc138\ub300\uc640 \uc138\ub300\ub97c \uc787\ub294 \uc5f0\uae08, \ubbf8\ub798\ub97c \uc704\ud55c \uad6c\uc870\ub97c \uc5f0\uad6c\ud569\ub2c8\ub2e4.","publisher":{"@id":"https:\/\/www.pensionfutureforum.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pensionfutureforum.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/www.pensionfutureforum.org\/#organization","name":"\uc5f0\uae08\uc5f0\uad6c\ud68c","url":"https:\/\/www.pensionfutureforum.org\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png","contentUrl":"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2025\/10\/Pension-logo_v1.2-1-1.png","width":784,"height":248,"caption":"\uc5f0\uae08\uc5f0\uad6c\ud68c"},"image":{"@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1","name":"smy1985","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/de6a1eb3ba59968bd908b38f074a090786f3e47ad99ad65601633e3c2b8a48b9?s=96&d=mm&r=g","caption":"smy1985"},"url":"https:\/\/www.pensionfutureforum.org\/index.php\/author\/smy1985\/"}]}},"_links":{"self":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts\/3157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/comments?post=3157"}],"version-history":[{"count":3,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts\/3157\/revisions"}],"predecessor-version":[{"id":3252,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/posts\/3157\/revisions\/3252"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/media\/3156"}],"wp:attachment":[{"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/media?parent=3157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/categories?post=3157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pensionfutureforum.org\/index.php\/wp-json\/wp\/v2\/tags?post=3157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}