{"id":3360,"date":"2026-03-13T20:16:42","date_gmt":"2026-03-13T11:16:42","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/03\/13\/post-20260313-111642-6553\/"},"modified":"2026-03-13T20:53:53","modified_gmt":"2026-03-13T11:53:53","slug":"post-20260313-111642-6553","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/03\/13\/post-20260313-111642-6553\/","title":{"rendered":"[\uc5f4\ub9b0\uc138\uc0c1] \uc5f0\uae08 \uad6c\uc870 \uac1c\ud601\uc774 \ud544\uc694\ud55c \uc774\uc720 (2026.03.13.)"},"content":{"rendered":"

(\uc624\ub298 <\/strong><\/span>
\n22\ub300 \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704 <\/strong><\/span>
\n\uc790\ubb38\uc704\uc6d0\ud68c 6\ucc28 \ud68c\uc758\uac00 \uac1c\ucd5c\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/p>\n

\uc5f0\uae08 \uc804\ubb38\uac00\ub4e4\uc774 \ubaa8\uc5ec\uc11c<\/strong><\/span>
\n\ud558\ub294 \ud68c\uc758\uac00<\/strong><\/span>
\n\ub9de\uae30\ub294 \ud55c \uac83\uc778\uc9c0(!!)<\/strong><\/span><\/p>\n

\ub05d\ub0a0 \ub54c\uae4c\uc9c0 <\/strong><\/span>
\n\uadf8\ub7f0 \uc0dd\uac01\ub4e4\uc774 <\/strong><\/span>\uacc4\uc18d <\/strong><\/span><\/p>\n

\uba38\ub9ac \uc18d\uc744 \ub9f4\ub3cc\uc558\uc2b5\ub2c8\ub2e4!!)<\/strong><\/span><\/p>\n

 <\/p>\n

\uc218\uc775\ub960\uc5d0 \ubaa9\ub9e4\ub294 \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08<\/strong><\/span><\/p>\n


\n\ubd80\ub2f4\ub960 \ub0ae\uace0 \uc9c0\uae09\ub960 \ub192\uc740 \uac8c \uc6d0\uc778<\/strong><\/span><\/p>\n


\n<\/strong>\uc678\uad6d \uc0ac\ub840 \ucc38\uace0\ud574 \uac1c\ud601\uc5d0 \ubc15\ucc28\ub97c<\/strong><\/span><\/p>\n

 <\/p>\n

\uc138\uacc4 \ucd5c\ub300 \uaddc\ubaa8\uc778 \ub178\ub974\uc6e8\uc774 \uad6d\ubd80\ud380\ub4dc(GPFG)\ub294\u00a02008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \ub2f9\uc2dc \ud55c \ud574\uc5d0\ub9cc\u00a023.3% \uc190\uc2e4\uc744 \uae30\ub85d\ud588\ub2e4. <\/span><\/strong><\/p>\n

\uc774\ub294 \uad6d\ubbfc\uc5f0\uae08 \uc801\ub9bd\uae08\u00a01458\uc870\uc6d0(2025\ub144 \ub9d0 \uae30\uc900) \uc911\u00a0340\uc870\uc6d0\uc5d0 \ub2ec\ud558\ub294 \uae08\uc561\uc774 \ud55c \ud574\uc5d0 \uc0ac\ub77c\uc84c\uc74c\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/span> <\/strong><\/span><\/p>\n

\uadf8\ub7f0\ub370 \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08\uc740\u00a02008\ub144\uc5d0\u00a00.18%\uc758 \uc190\uc2e4\ub9cc\uc744 \uae30\ub85d\ud588\ub2e4. \ubcf4\uc218\uc801 \uc6b4\uc601\uc774 \ub098\uc05c \uce21\uba74\ub9cc \uc788\ub294 \uac83\uc740 \uc544\ub2c8\ub77c\ub294 \ub2e8\uc801\uc778 \uc0ac\ub840\ub2e4.<\/span><\/strong><\/p>\n

\ubbf8\uad6d\u00b7\uc774\uc2a4\ub77c\uc5d8\uacfc \uc774\ub780\uc758 \uc804\uc7c1 \ubc1c\ubc1c \uc774\uc804\uae4c\uc9c0\ub294 \uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870 \uac1c\ud601 \uc5c6\uc774\ub3c4 \uae30\uae08 \ud22c\uc790\ub9cc \uc798\ud558\uba74 \ubb38\uc81c \uc5c6\ub2e4\ub294 \u2018\uae30\uae08 \ud22c\uc790 \ub9cc\ub2a5\ub860\u2019<\/span>\uc774 \ub4dd\uc138\ud588\ub2e4. <\/span><\/strong><\/p>\n

\u201c2090\ub144\uae4c\uc9c0\ub294 \uad6d\ubbfc\uc5f0\uae08\uae30\uae08 \uace0\uac08 \uac71\uc815\uc774 \uc5c6\uc5b4\uc84c\ub2e4\u201d\ub294 \ub9d0\uc774 \ub098\uc654\ub358 \ubc30\uacbd\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ubd84\uc704\uae30\uac00 \uc774\ub7ec\ud558\ub2e4 \ubcf4\ub2c8 \uc77c\ubcf8 \uacf5\uc801\uc5f0\uae08(GPIF)\uc758 \u201c\ubd88\ud544\uc694\ud558\uac8c \ub192\uc740 \uc218\uc775\ub960\uc744 \ucd94\uad6c\ud558\uc9c0 \uc54a\ub294\ub2e4\u201d(GPIF will not unnece<\/span>ssarily\u00a0pursue\u00a0high\u00a0returns\u00a0above\u00a0all\u00a0else)\ub77c\ub294 \ud22c\uc790 \uc6d0\uce59\uc744 \uc8fc\ubaa9\ud560 \ud544\uc694\uac00 \uc788\ub2e4.\u00a0<\/span><\/strong><\/span><\/p>\n

\uacfc\ub3c4\ud558\uac8c \ud22c\uc790 \uc704\ud5d8\uc5d0 \ub178\ucd9c\uc2dc\ud0a4\ub294 \uac83\ubcf4\ub2e4\ub294 \uc5f0\uae08 \uc81c\ub3c4\uc758 \uc218\uc9c0 \uade0\ud615\uc744 \ucd94\uad6c\ud558\ub294 \uc811\uadfc\uc744 \ucc44\ud0dd\ud558\uace0 \uc788\uc5b4\uc11c\ub2e4. <\/span><\/strong><\/p>\n

\uadf8\ub807\uac8c \uc6b4\uc601\ud558\ub2e4 \ubcf4\ub2c8 \uc77c\ubcf8\uc740\u00a0100\ub144 \ud6c4\uae4c\uc9c0 \uc5f0\uae08 \uc904 \ub3c8\uc744 \ud655\ubcf4\ud588\ub2e4.<\/span><\/strong><\/span><\/p>\n

\ub17c\ub780\uc774 \ub9ce\uc740 \uc774\uc288\uc5d0 \ub300\ud55c \uac1d\uad00\uc801 \ud310\ub2e8\uc744 \uc704\ud574 \ub178\ub974\uc6e8\uc774, \uce90\ub098\ub2e4, \uc77c\ubcf8 \uc0ac\ub840\ub97c \ubcf4\uc790. <\/span><\/p>\n

\uc57d\u00a03250\uc870\uc6d0(2025\ub144 \ub9d0 \uae30\uc900\u00a021\uc870\u00a03000\uc5b5 \ud06c\ub85c\ub124)\uc73c\ub85c \uc138\uacc4 \ucd5c\ub300 \uad6d\ubd80\ud380\ub4dc\ub97c \uc6b4\uc601\ud558\ub294 \ub178\ub974\uc6e8\uc774 \uc778\uad6c\ub294\u00a0562\ub9cc\uba85\uc774\ub2e4. \uc6b0\ub9ac\ubcf4\ub2e4 1\uc778\ub2f9\u00a020\ubc30 \ub354 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4. <\/span><\/p>\n

\uc774\ub7f0 \ub178\ub974\uc6e8\uc774\ub294\u00a018.1% \ubd80\ub2f4\ud558\ub294\ub370\ub3c4 \uc6d4\uae09\uc758\u00a042%\ub9cc\uc744 \uc9c0\uae09\ud558\ub294 \uc5f0\uae08 \uc81c\ub3c4\ub97c \uc6b4\uc601\ud55c\ub2e4. \uc5f0\uae08\uc7ac\uc815 \ucd94\uacc4\ub97c \ub2f4\ub2f9\ud55c \ub178\ub974\uc6e8\uc774 \ud1b5\uacc4\uccad \uc18c\uc18d \ud06c\ub8e8\uc81c(Herman\u00a0Kruse) \ubc15\uc0ac\uac00 \uacbd\uc81c\ud611\ub825\uac1c\ubc1c\uae30\uad6c(OECD) \uc5f0\uae08 \uc804\ubb38\uac00 \ud68c\uc758\uc5d0\uc11c \ud544\uc790\uc5d0\uac8c \uc54c\ub824 \uc900 \uc218\uce58\ub2e4. <\/span><\/p>\n

\uce90\ub098\ub2e4 \uc5f0\uae08\ud50c\ub79c(CPP)\uc740\u00a011.9% \ubd80\ub2f4\ud558\uba74\uc11c\u00a033.3%\ub97c \uc9c0\uae09\ud55c\ub2e4. \uc77c\ubcf8 \uad6d\ubbfc\uc5f0\uae08\uacfc \uacf5\ubb34\uc6d0\uc5f0\uae08\uc740\u00a018.3%\ub97c \ubd80\ub2f4\ud558\ub294\ub370\ub3c4\u00a032%\ub9cc\uc744 \uc9c0\uae09\ud55c\ub2e4.\u00a0<\/span><\/p>\n

9.5% \ubd80\ub2f4\ud558\uba74\uc11c\u00a043%\ub97c \uc9c0\uae09\ud558\ub294 \uc6b0\ub9ac \uad6d\ubbfc\uc5f0\uae08,\u00a018% \ubd80\ub2f4\ud558\ub294\ub370\u00a068% \ub118\ub294 \uc5f0\uae08\uc744 \uc9c0\uae09\ud558\ub294 \ud55c\uad6d\uc758 \uacf5\ubb34\uc6d0\uc5f0\uae08\u00b7\uc0ac\ud559\uc5f0\uae08\uacfc \ud06c\uac8c \ub300\ube44\ub41c\ub2e4.<\/span><\/strong><\/span><\/p>\n

\uc791\ub144 \ub178\ub974\uc6e8\uc774 \uae30\uae08 \ud22c\uc790 \uc218\uc775\ub960\uc774\u00a015.1%, \uc77c\ubcf8\uc740\u00a016.25%(3\ubd84\uae30 \ub9d0 \uae30\uc900)\uc600\ub2e4.\u00a0CPP\uac00\u00a07.7%, \ub124\ub35c\ub780\ub4dc \uacf5\uc801\uc5f0\uae08(ABP)\uc740\u00a01.6% \uc190\uc2e4\uae4c\uc9c0 \uae30\ub85d\ud588\ub2e4. \ud22c\uc790 \uc804\ubb38\uc131\ubcf4\ub2e4\ub294 \uac1c\ubcc4 \uad6d\uac00\uc758 \ud658\uacbd\uc5d0 \ub530\ub77c \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \ucc28\uc774\uac00 \ub098\uace0 \uc788\uc74c\uc744 \uc54c \uc218 \uc788\ub2e4.<\/span><\/p>\n

\uc6b0\ub9ac\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ub9ce\uc740 \uc801\ub9bd\uae08\uc744 \ubcf4\uc720\ud558\uba74\uc11c \ud22c\uc790 \uc218\uc775\ub960\ub3c4 \ub192\uc740 \uad6d\uac00\ub4e4\uc774 \uc6b0\ub9ac\uc640 \ub2e4\ub974\uac8c \uc5f0\uae08\uc744 \uc6b4\uc601\ud558\uace0 \uc788\ub2e4. <\/span><\/strong><\/span><\/p>\n

2\ubc30\ub098 \ub354 \ubd80\ub2f4\ud568\uc5d0\ub3c4 \ub354 \uc801\uac8c \uc5f0\uae08\uc744 \uc9c0\uae09\ud558\uace0 \uc788\uc5b4\uc11c\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc791\ub144 \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc5d0\uc11c \ubb34\uc0b0\ub41c \u2018\uc5f0\uae08 \ud22c\uc790 \uc218\uc775\ub960 \ud558\ub77d\uae30\uc758 \ucda9\uaca9\uc744 \ub2f4\uc544\ub0bc \uc790\ub3d9\uc870\uc815\uc7a5\uce58\u2019<\/span>\uae4c\uc9c0 \ub3c4\uc785\ud558\uae30\ub3c4 \ud588\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc0c1\ud669\uc774 \uc774\ub7ec\ud55c\ub370\ub3c4 \uc81c\ub300\ub85c \ub41c \uad6c\uc870 \uac1c\ud601\uc744 \uc704\ud574 \ucd9c\ubc94\ud55c\u00a022\ub300 \uad6d\ud68c\uc758 \uc5f0\uae08\ud2b9\uc704\ub294 \uc81c\ub300\ub85c \uc791\ub3d9\ub418\uc9c0 \uc54a\uace0 \uc788\ub2e4. <\/span><\/strong><\/p>\n

\uc815\ubd80\u00b7\uc5ec\ub2f9\uc774 \ucd94\uc9c4\ud558\ub824\ub294 \uae30\ucd08\uc5f0\uae08 \uac1c\ud3b8, \ub610 \uad6d\ubbfc\uc5f0\uae08 \uad6c\uc870 \uac1c\ud601\uacfc \ud568\uaed8 \ud1f4\uc9c1\uc5f0\uae08\uc744 \ub178\ud6c4 \uc18c\ub4dd \ubcf4\uc7a5\uc758 \ud55c \ucd95\uc73c\ub85c \uc790\ub9ac\uc7a1\uac8c \ud558\uae30 \uc704\ud574\uc11c\ub77c\ub3c4 \uc5f0\uae08 \uac1c\ud601\uc5d0 \ubc15\ucc28\ub97c \uac00\ud574\uc57c \ud560 \ub54c\ub2e4. <\/strong><\/span><\/p>\n

\uae30\uae08 \ud22c\uc790 \uc218\uc775\ub960\ub9cc \ub192\uc774\uba74 \ub41c\ub2e4\ub294 \u2018\ud76c\ub9dd \uace0\ubb38\u2019 \ub300\uc2e0 \ub9d0\uc774\ub2e4.<\/span><\/strong><\/span><\/p>\n

https:\/\/n.news.naver.com\/article\/081\/0003625438?sid=110<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

(\uc624\ub298 22\ub300 \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704 \uc790\ubb38\uc704\uc6d0\ud68c 6\ucc28 \ud68c\uc758\uac00 \uac1c\ucd5c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc5f0\uae08 \uc804\ubb38\uac00\ub4e4\uc774 \ubaa8\uc5ec\uc11c \ud558\ub294 \ud68c\uc758\uac00 \ub9de\uae30\ub294 \ud55c \uac83\uc778\uc9c0(!!) \ub05d\ub0a0 \ub54c\uae4c\uc9c0 \uadf8\ub7f0 \uc0dd\uac01\ub4e4\uc774 \uacc4\uc18d \uba38\ub9ac \uc18d\uc744 \ub9f4\ub3cc\uc558\uc2b5\ub2c8\ub2e4!!)   \uc218\uc775\ub960\uc5d0 \ubaa9\ub9e4\ub294 \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08 \ubd80\ub2f4\ub960 \ub0ae\uace0 \uc9c0\uae09\ub960 \ub192\uc740 \uac8c \uc6d0\uc778 \uc678\uad6d \uc0ac\ub840 \ucc38\uace0\ud574 \uac1c\ud601\uc5d0 \ubc15\ucc28\ub97c   \uc138\uacc4 \ucd5c\ub300 \uaddc\ubaa8\uc778 \ub178\ub974\uc6e8\uc774 \uad6d\ubd80\ud380\ub4dc(GPFG)\ub294\u00a02008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \ub2f9\uc2dc \ud55c \ud574\uc5d0\ub9cc\u00a023.3% \uc190\uc2e4\uc744 \uae30\ub85d\ud588\ub2e4. \uc774\ub294 \uad6d\ubbfc\uc5f0\uae08 […]<\/p>\n","protected":false},"author":11,"featured_media":3362,"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-3360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-insights","category-expert-column"],"acf":[],"yoast_head":"\n[\uc5f4\ub9b0\uc138\uc0c1] \uc5f0\uae08 \uad6c\uc870 \uac1c\ud601\uc774 \ud544\uc694\ud55c \uc774\uc720 (2026.03.13.) - \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\/03\/13\/post-20260313-111642-6553\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\uc5f4\ub9b0\uc138\uc0c1] \uc5f0\uae08 \uad6c\uc870 \uac1c\ud601\uc774 \ud544\uc694\ud55c \uc774\uc720 (2026.03.13.) - \uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"og:description\" content=\"(\uc624\ub298 22\ub300 \uad6d\ud68c \uc5f0\uae08\ud2b9\uc704 \uc790\ubb38\uc704\uc6d0\ud68c 6\ucc28 \ud68c\uc758\uac00 \uac1c\ucd5c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc5f0\uae08 \uc804\ubb38\uac00\ub4e4\uc774 \ubaa8\uc5ec\uc11c \ud558\ub294 \ud68c\uc758\uac00 \ub9de\uae30\ub294 \ud55c \uac83\uc778\uc9c0(!!) \ub05d\ub0a0 \ub54c\uae4c\uc9c0 \uadf8\ub7f0 \uc0dd\uac01\ub4e4\uc774 \uacc4\uc18d \uba38\ub9ac \uc18d\uc744 \ub9f4\ub3cc\uc558\uc2b5\ub2c8\ub2e4!!)   \uc218\uc775\ub960\uc5d0 \ubaa9\ub9e4\ub294 \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08 \ubd80\ub2f4\ub960 \ub0ae\uace0 \uc9c0\uae09\ub960 \ub192\uc740 \uac8c \uc6d0\uc778 \uc678\uad6d \uc0ac\ub840 \ucc38\uace0\ud574 \uac1c\ud601\uc5d0 \ubc15\ucc28\ub97c   \uc138\uacc4 \ucd5c\ub300 \uaddc\ubaa8\uc778 \ub178\ub974\uc6e8\uc774 \uad6d\ubd80\ud380\ub4dc(GPFG)\ub294\u00a02008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \ub2f9\uc2dc \ud55c \ud574\uc5d0\ub9cc\u00a023.3% \uc190\uc2e4\uc744 \uae30\ub85d\ud588\ub2e4. \uc774\ub294 \uad6d\ubbfc\uc5f0\uae08 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/03\/13\/post-20260313-111642-6553\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc5f0\uae08\uc5f0\uad6c\ud68c\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-13T11:16:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-13T11:53:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pensionfutureforum.org\/wp-content\/uploads\/2026\/03\/Screenshot_20260313_201835_Samsung-Internet.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"2316\" \/>\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\/03\/13\/post-20260313-111642-6553\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/03\/13\/post-20260313-111642-6553\/\"},\"author\":{\"name\":\"smy1985\",\"@id\":\"https:\/\/www.pensionfutureforum.org\/#\/schema\/person\/fb58e3caec82bae4ee264d74e07ef3c1\"},\"headline\":\"[\uc5f4\ub9b0\uc138\uc0c1] \uc5f0\uae08 \uad6c\uc870 \uac1c\ud601\uc774 \ud544\uc694\ud55c \uc774\uc720 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