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[플러스 연금 Café] 안 냈던 국민연금, 추후납부하면 좋을까요?

안 냈던 국민연금,
추후납부하면 좋을까요?

안녕하세요. 엄은지입니다. 저는 육아 문제 때문에 십여 년 전 직장을 다니다가 그만뒀습니다. 아기가 학교에 적응하면 다시 취업할 생각이었는데 생각대로 되지 않더군요. 그런데, 오십이 다가오니 슬슬 노후가 걱정되더라고요.

그래서, 지난해에 국민연금 임의가입을 했습니다. 지금은 남편 월급으로 생활하고 있지만, 노후에는 내 이름으로 된 소득을 갖고 싶었거든요. 하지만 60세까지 보험료를 낸다고 해도 손에 쥘 수 있는 연금이 많지는 않더라구요.

혹시, 경력단절 기간 동안 내지 않았던 보험료를 한꺼번에 내면
국민연금을 더 받을 수 있을까요?

네. 가능합니다. 추후납부제도를 이용해서
국민연금 가입 기간을 늘리면 됩니다.

국민연금은 은퇴자에게 있어 주요한 생활비 재원이라고 할 수 있습니다. 하지만 나이에 따라 국민연금을 대하는 태도는 판이합니다.

젊어서는 가능하면 보험료를 덜 내거나 안 낼 방법이 있으면 그것을 선택합니다. 하지만 은퇴가 가까워지면 보험료를 내더라도 연금을 더 받을 수 있는 방법이 있으면 그것을 택합니다.

추후납부제도도 그 중 하나입니다.

추후납부는 납부예외기간이나 적용제외기간에 납부하지 않은 보험료를
나중에라도 납부하면 국민연금 가입 기간으로 인정해 주는 것입니다.

따라서 국민연금에 가입하고 있지 않은 전업주부라면 임의가입부터 해서 국민연금 가입자격을 갖춰야 합니다. 그리고 과거 최소 한 달 이상 국민연금 보험료를 납부한 경험이 있어야 추후납부를 할 수 있습니다.

그런데 과거에 국민연금 보험료를 납부했더라도 이를 반환일시금으로 찾아갔다면 추후납부를 할 수가 없습니다. 이때는 반환일시금을 다시 국민연금공단에 반납해야 추후납부를 할 수 있습니다.

함께 추후납부 보험료를 계산해 볼까요?

추후납부 보험료는 추후납부를 신청한 달이 속하는 달의 연금보험료에 추후납부를 희망하는 기간의 월수를 곱해서 산출합니다.

이때 추후납부는 적용제외기간과 납부예외기간의 범위 내에서 최장 119개월 치 보험료를 추후납부 할 수 있습니다.

예를 들어
국민연금 가입자가 추후납부를 신청한 달에 연금보험료로 10만 원을 납부하고 있고 추후납부 하려는 기간이 100개월이라면, 추후납부 보험료는 1,000만 원이 됩니다.

사업장가입자나 지역가입자는 매달 소득의 9%에 해당하는 보험료를 납부하지만, 임의가입자는 납부할 보험료를 스스로 정할 수 있습니다. 따라서 임의가입자가 보험료를 높게 책정하면 추납보험료도 커지고 노령연금도 더 많이 받을 수 있습니다.

그래서, 임의가입자가 이 같은 방식으로 추후납부제도를 재테크 수단으로 이용할 수 없도록 보험료에 상한을 둔 것입니다.

임의가입자가 납부하는 연금보험료가 국민연금 전체 가입자의 평균소득월액(A값)의 9%를 초과하면, A값의 9%에 추납을 희망하는 월수를 곱해 추납보험료를 산정합니다. 2022년에 적용되는 A값을 기준으로 산출된 기준소득월액은 2,681,000원입니다.

그렇다면 국민연금 보험료로 30만 원을 납부하고 있는 임의가입자가 100개월 치 보험료를 추납하기로 했다면 추후납부 보험료로 얼마를 내야 할까요?

이 경우 임의가입자가 납부하고 있는 연금보험료는 ‘A값의 9%’(241,290원)보다 많습니다. 따라서 임의가입자는 추납보험료로 241,290원에 100개월을 곱한 24,129,000원를 납부하게 됩니다.

추후납부 보험료로 쓸 수 있는 예산이 한정되어 있다면, 가입기간을 늘리는 것이 유리할까요, 보험료를 상향하는 것이 유리할까요?

예를 들어 추후납부 보험료로 사용할 수 있는 예산이 1,000만 원, 적용제외기간이 100개월인 임의가입자가 있다고 해 보겠습니다. 이 경우 임의가입자는 추후납부 신청하는 달 연금보험료를 10만 원으로 책정하고 100개월 치를 납부할 수도 있고, 연금보험료를 월 20만 원으로 책정하고 50개월 치 보험료를 납부할 수도 있습니다.

이는 국민연금이 소득재분배 기능을 갖고 있기 때문입니다.
국민연금은 계층 간 소득격차를 줄이기 위해 저소득자는 자신이 낸 보험료에 비해 상대적으로 연금을 많이 받고, 고소득자는 납부한 보험료에 비해 상대적으로 연금을 덜 받도록 하고 있습니다.

국민연금의 세대 내 소득재분배 기능은 매년 국민연금공단이 제시하는 노령연금 예상월액표에 그대로 드러납니다.

아래 표는 2022년 1월에 국민연금에 가입한 사람의 보험료와 가입기간에 따라 받는 노령연금월액을 나타낸 것입니다. 매달 9만 원씩 20년 동안 보험료를 낸 사람은 노령연금으로 매달 373,000원을 받지만, 18만 원씩 10년간 보험료를 납부한 사람은 매달 240,230원을 연금으로 수령하게 됩니다.

따라서 소득이 많은 해, 그래서 높은 종합소득세율을 적용 받는 해에 추후납부를 하면 더 많은 세금을 환급 받을 수 있습니다.

하지만 임의가입자는 소득세를 납부하지 않기 때문에 추후납부 보험료를 소득공제 받을 수 없습니다. 대신 소득공제를 받지 않고 납부한 보험료는 나중에 노령연금을 수령할 때 과세대상소득에서 제외해 줍니다.

<시리즈 콘텐츠 보러가기!!!>

전업주부도 국민연금 받고 싶다면?

소득이 많으면 국민연금 얼마나 감액되나요?

- 본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.

- 본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다.

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width: 886px; height: 200px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 2 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F55b3d3e83a7b452d815c0dad2cf94d0b.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 도입 분리선 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-07-18%2Ffc85a4b307db451f835de7a81f143576.png\" style\u003d\"display: block; width: 886px; height: 100px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 3 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Ff352143e0a2c4b2d8daea40adb6fc9fc.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--5--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.7;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e같은 시기에 입대하더라도 다들 나이도, 학력도 정말 다양하죠. 2024년 입영자를 기준으로 본다면 76%가 20~22세에 집중되어 있지만 각자 \u003cu\u003e배경은 매우 다양\u003c/u\u003e하죠.(병무통계연보, 2024, 병무청)\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e고등학교 졸업 후 바로 입대한 친구도 있지만, 대학교, 대학원을 졸업 후 사회생활을 하다 군에 오기도 하니까요. 하지만 복무 중엔 어떤 배경에서 입대했는지와 상관없이 똑같은 생활관에서, 똑같은 규정에 따라 생활하게 됩니다.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e같은 의식주가 제공되고, 같은 계급이라면 같은 월급을 받게 되죠. 그래서 크게 표가 나지 않았지만 전역 후엔 다시 \u003cu\u003e원래의 생활권과 진로로\u003c/u\u003e 돌아갑니다. \u003cu\u003e\u003cb\u003e당연히 필요한 돈도, 써야 하는 곳도, 모을 수 있는 여력도 다 달라지겠죠.\u003c/b\u003e\u003c/u\u003e\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e복학할 사람은 등록금과 생활비를, 취업 준비하는 사람은 자격증이나 학원비를, 이미 직장 생활 중인 사람은 결혼 자금이나 주택 마련을 생각할 수 있으니까요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e이렇게 \u003cu\u003e\u003cb\u003e각자가 처한 인생의 단계를 \u0026#39;라이프사이클\u0026#39;\u003c/b\u003e\u003c/u\u003e이라고 해요. 그리고 이 단계에 맞춰 돈을 모으고 쓰는 전략도 달라져야 하는 거고요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cu\u003e\u003cb\u003e군 복무 중엔 매달 저축할 수 있었지만, 전역 후엔 상황이 완전히 달라지는 거예요.\u003c/b\u003e\u003c/u\u003e\u003cb\u003e 이것이 처음 제대로 겪게 되는 \u0026#39;라이프사이클 재무관리\u0026#39;예요.\u003c/b\u003e 군 복무 때처럼 모두가 같은 조건이 아니라, \u003cu\u003e\u003cb\u003e각자 처한 상황에 따라 돈 관리 방식도 완전히 달라지죠\u003c/b\u003e\u003c/u\u003e.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e이건 시작일 뿐이에요. 앞으로 취업하고, 결혼 준비하고, 내 집 마련하고\u0026hellip; 인생의 단계마다 목표도 바뀌고 필요한 돈의 규모도 달라지거든요. 나중엔 월급이 올라도 그때그때 필요한 지출도 함께 늘어나니까, 항상 여유롭지만은 않은 거고요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 6 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F94d3217fe6ac4ac4a133bc64248535f8.jpg\" style\u003d\"display: block; width: 886px; height: 466px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 7 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e내가 어느 단계에 있는지, 앞으로 어떤 단계가 올지 미리 생각하면서 돈을 관리하는 거죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cspan style\u003d\"color:#CC5500;\"\u003e\u003cb\u003e이번에는 라이프사이클에 맞춘 자산관리에 대해 같이 알아볼 거예요. 지금 쓸 돈과 미래를 위한 돈, 이 둘의 균형을 어떻게 맞출지부터 시작할게요. 세금 혜택까지 챙기면서 노후를 준비하는 IRP 활용법, 마지막으로 위험 관리를 위한 보험까지 하나씩 풀어 드릴게요.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 8 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F7055d86ffd9e48d3bdca3a81470e1c7d.jpg\" style\u003d\"display: block; width: 886px; height: 432px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 9 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Feb843b9c90d84a6eb9fa9f2a03d624f5.jpg\" style\u003d\"display: block; width: 886px; height: 218px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 10 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fbcfd5c3008694e5bbcecf2849db5fde5.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 11 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F4ccc5690249d47d2b4cfd6faa6c48fb6.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 12 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e실제로 2023년 3월부터 자격증 없이도 조리병으로 지원할 수 있게 되면서 2,716명이 지원했고, 그중 74%가 조리병으로 입영했거든요.(미리 준비하는 군 복무로 전역 후 미래까지 챙긴다, 병무청 2023)\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e요즘 장병들 보면 군 복무 중에 진짜 많은 걸 준비하더라고요. 복무 중에 수능 공부 다시 해서 대학 진학하고, 전기\u0026middot;전자 기술 배워서 산업기사 자격증 따고, 취업맞춤특기병으로 복무하면서 전역하자마자 바로 취업하기도 하죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그런데 \u003cu\u003e전역 후 계획은 더 다양\u003c/u\u003e해요. 학업을 계속하기도 하고, 취업이나 창업을 하기도 하죠. 늦깎이로 군대에 왔다면 바로 결혼을 준비하고 가정을 꾸리는 사람들도 있죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e이런 \u003cu\u003e\u003cb\u003e계획들 다 수행하려면 돈이 필요\u003c/b\u003e\u003c/u\u003e하겠죠? 그래서 \u003cb\u003e인생 계획에는 재무 계획이 함께\u003c/b\u003e 되어야 하는 거예요. \u003cu\u003e\u003cb\u003e바로 \u0026#39;목적자금 계획\u0026#39;이 필요\u003c/b\u003e\u003c/u\u003e한 겁니다.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e우주 씨처럼 창업하고 싶다면 군 복무 중에 \u003cu\u003e\u003cb\u003e1년 후, 3년 후, 5년 후에 어떻게 할지 미리 계획을 세우고 그에 맞춰 이 돈을 어떻게 활용할지 고민\u003c/b\u003e\u003c/u\u003e해 보는 것을 추천해요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 13 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fb08349bf6966473eb627ea06ce3c4676.jpg\" style\u003d\"display: block; width: 886px; height: 132px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 13.1 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F7421cd0e3356417ebc7aa28936a16a91.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 14 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e전역 후 바로 창업을 하기에는 준비가 부족할 수 있으니 취업해서 실전을 배우면서 생활할 비용을 충당하고 생활비가 부족한 경우 일부의 돈은 장병내일준비적금 만기금 중 일부를 CMA나 예금에 넣어두고 매달 꺼내 쓰는 거예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e이렇게 1년 이내에 쓸 돈, 이게 바로 \u003cb\u003e단기 자금\u003c/b\u003e이에요. 복학 등록금이든, 생활비든, 자격증 시험비든 당장 필요한 돈은 \u003cu\u003e투자에 활용하지 않고 예금, 적금, CMA처럼 원금 보장\u003c/u\u003e되고 바로 꺼낼 수 있는 곳에 넣어두는 거죠. \u003cu\u003e\u003cb\u003e보통 3~6개월 치 생활비 + 확정된 지출액\u003c/b\u003e\u003c/u\u003e을 여기에 넣어두면 됩니다.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 14.1 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Ff2dcd7af032b463cae3841af77574884.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 14.2 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cu\u003eISA 계좌에 적립하면서 3년 내에 사용할 목적으로 관리\u003c/u\u003e하는 거죠. 우주 씨는 그럼 이 기간 동안 조리기능사 자격증도 따고, 메뉴 개발 노하우도 배우고요. 이렇게 2~3년 동안 추가로 1,500만 원 정도 더 모으는 거죠. 이렇게 중기 자금 계획을 만들어 갑니다.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 14.3 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fc405a2f37cd54d7784e4b9a10b417294.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 14.4 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e마지막으로 \u003cu\u003e\u003cb\u003e장기 자금, 5년 후 창업을 위한 투자\u003c/b\u003e\u003c/u\u003e예요. 처음 모은 2,000만 원 중 생활비 빼고 남은 돈 중 일부는 \u003cu\u003e\u003cb\u003eETF 같은 장기 투자로\u003c/b\u003e\u003c/u\u003e 굴리는 거죠. 이렇게 3년 이상 후에 쓸 돈은 공격적으로 굴려 볼 수 있어요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e창업 자금, 내 집 마련, 노후 준비처럼 먼 미래의 큰 목표를 위한 돈은 ETF, 주식형 펀드 같은 투자 상품에 넣고 투자할 수 있어요. \u003cu\u003e장기로 투자하면 단기 변동성은 견딜 수 있어요\u003c/u\u003e. 장기적으로 보면 예금보다 훨씬 높은 수익을 기대할 수 있거든요. 처음엔 소액으로 시작해서 꾸준히 적립하면 됩니다.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 15 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Fde2320f8e02848ecbe600c67351e574c.jpg\" style\u003d\"display: block; width: 886px; height: 409px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 16 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.7;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003e핵심은 이거예요.\u003c/b\u003e \u0026quot;언제, 얼마가 필요한지\u0026quot; 미리 정해 놓으면 그에 맞춰 돈을 굴릴 수 있어요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003e계획 없이 그냥 투자만 한다고 되는 게 아니에요.\u003c/b\u003e \u0026quot;이 돈을 언제까지, 얼마로 만들어야 하는지\u0026quot; \u003cu\u003e목표가 있어야 전략이 나오는 거거든요\u003c/u\u003e.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 17 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F3282935d23884dcea94ac80a3c8fb62f.jpg\" style\u003d\"display: block; width: 886px; height: 218px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 18 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F1eaf5b57691c44c0a4c8b94f13acad3d.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 19 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F6b929fa4803543f791ad015677179faf.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 20 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e군 복무 중엔 의식주 해결되고, 받는 병 월급은 비과세 소득이었어요. 세금 걱정 없이 온전히 다 받을 수 있었죠. 장병내일준비적금도 비과세 상품이어서 이자소득세 안 냈고요. 그런데 취업하면 완전히 달라지죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e취업 후 받는 월급은 세금을 떼고 받거든요. 회사에서 월급 줄 때 나라에 낼 세금을 미리 빼고 주는 거예요. 이게 원천징수예요. \u003cu\u003e급여명세서 보면 소득세, 지방소득세 등의 세금을 빼고 주죠\u003c/u\u003e.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e투자해서 수익이 나도 마찬가지예요. 주식 팔아서 수익이 나면 양도소득세, 배당받으면 배당소득세, 예금 이자 받으면 이자소득세\u0026hellip; 다 세금이 붙어요. 그래서 \u003cb\u003e자산 관리할 때 \u0026#39;세후 수익\u0026#39;을 봐야 해요.\u003c/b\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 21 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:15px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fae734908e0514f5da472eb9ba6f12c17.jpg\" style\u003d\"display: block; width: 885px; height: 493px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 22 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u0026quot;1년에 5% 수익 났어요!\u0026quot; 좋아 보이죠? 그런데 세금 15.4% 떼고 나면 실제 내 손에 남는 건 4.2%예요. 반대로 비과세 상품으로 4.5% 수익이 났다면? 그건 온전히 다 내 거예요. 어떤 게 더 나을까요? 당연히 비과세 4.5%가 나은 거죠. \u003cu\u003e\u003cb\u003e절세는 선택이 아니라 필수\u003c/b\u003e\u003c/u\u003e예요. 이것도 중요한 자산관리 항목 중 하나거든요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e미래를 준비하면서 돈을 불리는 것도 중요하지만, \u003cu\u003e\u003cb\u003e세금으로 새 나가는 돈을 막는 것도 똑같이 중요\u003c/b\u003e\u003c/u\u003e해요. 월급 250만 원 받는 사람이 세금으로 40만 원 내는 거랑, 똑같이 세금 내면서 연말정산으로 50만 원 돌려받는 거랑은 완전히 다른 이야기거든요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e1년 동안 내가 어디에 돈 썼는지 정리하면, 나라에서 세금 일부를 돌려줘요. 연말정산은 1년에 한 번씩 연초에 나라에서 내가 낸 세금이 적절했는지 다시 점검해 주는 거예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e1년 동안 내가 어디에 돈 쓴 걸 보고, 그중에 \u003cu\u003e세금 부과하면 안 되는 항목이 있으면 일정 비율로 환산해서 세금을 줄여주는\u003c/u\u003e 거죠. 예를 들어볼까요? 병원비 많이 썼다, 대중교통 많이 탔다, 신용카드 많이 썼다, 책 샀다, 보험료 냈다\u0026hellip; 이런 걸 다 모아서 신고하면 \u0026quot;아, 이 사람 이만큼 썼네? 그럼 세금 좀 깎아줘야지\u0026quot; 하고 돌려주는 거예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e군 복무 중엔 생각 안 해봤죠? 세금 낼 일이 없었으니까요. 그런데 이제는 달라요. \u003cu\u003e내가 돈을 어떻게 쓰느냐에 따라 세금을 덜 낼 수도, 더 낼 수도 있어요\u003c/u\u003e.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 23 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Fa373ef070e1546ffa598fe3ddeae58ad.jpg\" style\u003d\"display: block; width: 886px; height: 632px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 24 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fdfd7db9c5ec24fd081b903ea22681b0c.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 25 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F730d945bc57840daa92dc1dc7e66c474.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--26--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e직장인들, 연말정산하고 나면 신기한 일이 벌어져요. 같은 연봉 받는 친구인데 \u003cb\u003e누군 세금 환급 받고, 누군 토해내고\u003c/b\u003e. 왜 그럴까요? 평소에 \u003cb\u003e절세 준비를 했느냐 안 했느냐\u003c/b\u003e, 여기서 차이가 나는 거예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그중에서도 가장 효과 좋은 게 IRP예요. IRP는 Individual Retirement Pension, 개인형 퇴직연금인데요, 원래는 회사를 그만둘 때 받는 퇴직금을 보관하는 계좌예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그런데 여기서 중요한 게, \u003cu\u003e\u003cb\u003e퇴직금을 받기 전이라도 이 계좌를 만들 수 있다는\u003c/b\u003e\u003c/u\u003e 거예요. 그리고 \u003cu\u003e내가 원하는 만큼 추가로 돈을 넣을 수 있고요.\u003c/u\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 26.1 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fe98d11263f9c44bd9388d8a6fb8ad098.jpg\" style\u003d\"display: block; width: 886px; height: 248px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 26.1.0 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F8b6b927aa94e417aa6aad1c1e52f789d.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--26.2--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e내가 자발적으로 넣는 돈에 대해서 나라에서 연말정산 시 세금을 깎아줘요. \u003cu\u003e\u003cb\u003e1년에 최대 900만 원까지 세액공제\u003c/b\u003e\u003c/u\u003e를 받을 수 있어서, \u003cu\u003e노후도 준비하고 세금도 줄이고\u003c/u\u003e, 일석이조죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003e세액공제\u003c/b\u003e는 \u003cu\u003e\u003cb\u003e계산된 세금에서 직접 세금 액수를 줄여주는\u003c/b\u003e\u003c/u\u003e 거예요. 예를 들어 내가 1년 동안 낼 세금이 100만 원 나왔는데, 세액공제 15만 원을 받으면 85만 원만 내면 되는 거죠. 그래서 연말정산 때 15만 원을 돌려받는 거예요. 병원비, 교육비로 쓴 비용도 세액공제 항목이고요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e이 세액공제는 오히려 \u003cu\u003e\u003cb\u003e연봉이 낮을 때 세액공제율이 더 높거든요.\u003c/b\u003e\u003c/u\u003e 그래서 사회 초년생에게 훨씬 유리해요. \u003cu\u003e\u003cb\u003e총급여 5,500만 원 기준\u003c/b\u003e\u003c/u\u003e으로, 이하면 16.5%, 이상이면 13.2%로 낮아져요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 26.3 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F751f83e5511446cb8b3ac7623e38c24e.jpg\" style\u003d\"display: block; width: 886px; height: 596px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--26.4--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e예를 들어 연봉이 5,500만 원이면 IRP에 360만 원을 넣었을 때 약 59만 원을 돌려받지만, 연봉이 5,500만 원이 넘으면 같은 금액을 넣어도 47만 원 정도만 돌려받는 거예요. 그래서 \u003cu\u003e\u003cb\u003e연봉이 적을 때부터 시작하는 게 더 유리\u003c/b\u003e\u003c/u\u003e한 거죠. 거기다 젊을수록 시간이 많으니까, 돌려받은 돈을 다시 투자하면 복리 효과까지 누릴 수 있고요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 27 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F96774da00bd942939fd94fcf8923b216.jpg\" style\u003d\"display: block; width: 886px; height: 490px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 27.1. --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F4f8e12a3d3d64d6cb1c340490c33f61a.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 28 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fa54c31c4644149129c628c32187bf9e0.jpg\" style\u003d\"display: block; width: 886px; height: 390px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--28.1--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.7;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003eIRP에 매월 30만 원\u003c/b\u003e씩만 넣어보세요. 1년이면 360만 원, 연말정산 때 \u003cb\u003e약 59만 원을 돌려받아요. 이건 \u0026#39;넣을 때\u0026#39; 받는 세액공제 혜택이에요. 그럼 이제 \u0026#39;굴리는 동안\u0026#39;에는 어떤 혜택이 있을까요?\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e일반 투자는 수익이 날 때마다 \u003cu\u003e\u003cb\u003e배당소득세나 이자소득세로 15.4%\u003c/b\u003e\u003c/u\u003e를 떼잖아요? 그런데 \u003cb\u003eIRP는 운용하는 동안 세금을 안 내요. 이걸 \u0026#39;과세 이연\u0026#39;이라고 하는데\u003c/b\u003e, \u003cu\u003e세금 낼 시점을 나중으로 미룬다\u003c/u\u003e는 뜻이에요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e예를 들어 일반 펀드에서 100만 원 수익이 나면 15.4%인 15만 4천 원을 세금으로 떼고 84만 6천 원만 내 통장에 들어와요. 그런데 IRP 안에서는 100만 원 그대로 다시 굴러가는 거예요. 이 차이가 10년, 20년, 30년 쌓이면 엄청난 차이가 되는 거죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e이렇게 돌려받은 \u003cu\u003e환급금을 다시 IRP에 넣거나 단기 목표 통장에\u003c/u\u003e 넣으세요. 이게 바로 \u003cb\u003e수익금 재투자\u003c/b\u003e예요. 30년 후엔? 20대부터 이렇게 30년만 하면 복리 효과로 어마어마하게 커져 있을 겁니다.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 27.1. --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F6e61039fbf8e47ec8e9a5cffe162ccef.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--28.3--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e받을 때도 낮은 세율, 또 한 번 절세할 수 있어요. IRP에 넣었던 돈은 \u003cu\u003e55세 이후 연금으로 받을 때 세금을 내는데, 이때도 세금을 깎아줘요\u003c/u\u003e. 언제 받는지에 따라 달라지는데 3.3~5.5%만 내면 되거든요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e연금소득세는 나이에 따라 세율이 달라지는데, 70대, 80대 되면 의료비도 많이 들고 소득 창출 능력도 떨어지잖아요. 그래서 나이가 많을수록 세금 부담을 낮춰주는 거예요. 게다가 연금소득 공제도 받을 수 있어요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e연금으로 받는 돈 전체를 소득으로 보는 게 아니라, 나이와 수령액에 따라 일정 금액은 \u0026#39;이건 소득 아님\u0026#39; 하고 제외해줘요. \u003cb\u003e덕분에 실제로 내는 세금은 훨씬 적어지는 거죠.\u003c/b\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 27 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Fd9c12e01568c40859df070f34c867e33.jpg\" style\u003d\"display: block; width: 886px; height: 563px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 30 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Fe94f063fb08c4e288cacf6dc67a17c81.jpg\" style\u003d\"display: block; width: 886px; height: 1652px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 31 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F291543da4b5a465ebd2a8600b75be592.jpg\" style\u003d\"display: block; width: 886px; height: 218px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 32 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fc2e67ea0b7ad455980410b0091518567.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 33 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F4401b14ce9284e5caaa7d56a93e12643.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--34--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003e자산관리, 모으는 것만이 전부는 아니에요.\u003c/b\u003e 지금까지 투자 이야기 많이 했죠? ISA 계좌로 수익 내고, IRP로 세금 절약하고, ETF로 분산투자하고. 그런데 \u003cb\u003e한 가지 빠진 게 있어요. 바로 \u0026#39;보장\u0026#39;이에요.\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e아무리 열심히 모아도, 갑자기 큰 사고나 질병이 생기면 그동안 모은 돈이 한순간에 날아갈 수 있거든요. 그래서 보험을 들어서 그런 위험을 대비하는 거죠. 보험은 크게 \u003cb\u003e생명보험\u003c/b\u003e과 \u003cb\u003e손해보험\u003c/b\u003e으로 나눠요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e생명보험은 \u003cb\u003e사람의 생명이나 건강에 문제가 생겼을 때\u003c/b\u003e 보장해 주는 거예요. \u003cb\u003e미리 정해진 금액을 딱 정해서 지급\u003c/b\u003e해요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e손해보험은 \u003cb\u003e재산 손해나 다른 사람한테 피해를 입혔을 때\u003c/b\u003e 보상해 주는 거예요. \u003cb\u003e실제로 손해 본 만큼만 보상\u003c/b\u003e해 줘요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e여러 곳에 가입했어도 \u003cb\u003e전체 금액을 나눠서 받지, 누적해서 받을 수는 없어요\u003c/b\u003e. 그래서 손해보험은 \u003cb\u003e중복 가입이 의미가 없어요\u003c/b\u003e.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 35 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2F8f9f1b9ece0f4ed0986bdf5c451e1195.jpg\" style\u003d\"display: block; width: 886px; height: 398px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 36 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F47a06ce3a4d64ed0875b61c261841d7e.jpg\" style\u003d\"display: block; width: 886px; height: 256px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--37--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.7;\r\n overflow-wrap: break-word;\r\n \"\u003e20대는 건강하니까 보험이 필요 없다고요? 아니에요. 오히려 건강할 때 가입해야 보험료가 저렴하고, 나중에 건강이 나빠지면 가입을 못 할 수 있어요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e20대는 \u003cu\u003e\u003cb\u003e실손의료보험부터 가입하는 것을 추천\u003c/b\u003e\u003c/u\u003e해요. 보험은 \u0026#39;보험나이\u0026#39;라고, 별도로 나이 기준을 세워 보험료를 부과하는데, \u003cu\u003e어릴 때, 건강할 때 가입해야 보험료가 저렴\u003c/u\u003e하거든요. 나중에 병 생기면 가입도 못 하거나 보험료가 훨씬 비싸져요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e실손의료보험 외에 생활 패턴에 맞춰서 필요한 보험들이 있어요. \u003cu\u003e큰돈 들이지 않고도 리스크를 대비\u003c/u\u003e할 수 있는 것들이죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e예를 들면 운전면허가 있다면? 운전자보험, 그리고 해외여행 간다면? 여행자보험을 들죠. 자전거, 스키, 등산 같은 취미 활동을 한다면? 레저보험. 이런 것들로 사고 났을 때 배상 비용이나 본인 상해를 보장받을 수 있어요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그리고 이런 보험에 특약사항으로 일상생활배상책임보험 같은 것에 가입해 두면 내가 커피숍에서 다른 사람의 노트북에 커피를 쏟아서 물어줘야 하는 상황이 생긴다면, 이런 보험을 통해서 보장받을 수 있죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e핵심은 \u003cu\u003e\u003cb\u003e특약을 활용\u003c/b\u003e\u003c/u\u003e하는 거예요. 이런 보장을 독립된 상품으로 따로 가입하려고 하면 돈이 많이 들어요. 그런데 실손보험 가입할 때 특약으로 추가하면 월 500원, 1,000원만 더 내면 되는 경우가 많아요. 그래서 \u003cu\u003e\u003cb\u003e보험 가입할 때는 약관을 꼼꼼히 읽어보세요\u003c/b\u003e\u003c/u\u003e. 어떤 특약들을 추가할 수 있는지, \u003cu\u003e\u003cb\u003e내 생활 패턴에 맞는 보장이 있는지 확인\u003c/b\u003e\u003c/u\u003e하는 거예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e보험은 많이 드는 게 중요한 게 아니라, \u003cb\u003e내게 꼭 필요한 보장을 저렴하게 확보하는 게 중요\u003c/b\u003e하니까요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 38 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Fc1cf44ec0cc542f7a76e81ee810b7895.jpg\" style\u003d\"display: block; width: 886px; height: 409px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 39 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2F6e135d89f29340b9ac5263c6b9f26194.jpg\" style\u003d\"display: block; width: 886px; height: 140px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--40--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e보험 가입할 때 갱신형이냐 비갱신형이냐 선택하라고 하는데, 그 차이는 보험료가 오르느냐 그대로이냐의 차이예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003e갱신형\u003c/b\u003e은 \u003cu\u003e처음 가입할 때는 보험료가 저렴해요\u003c/u\u003e. 그런데 가입할 때 갱신 시 보험료가 올라갈 수 있다는 주의 문구가 있죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e보통 \u003cu\u003e\u003cb\u003e갱신은 3년, 5년 주기\u003c/b\u003e\u003c/u\u003e인데, 갱신할 때마다 \u003cu\u003e나이가 들면서 위험률이 높아지기 때문에 보험료가 올라가요\u003c/u\u003e. 건강보험의 경우 나이가 들수록 점점 비싸지는 거죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cb\u003e비갱신형\u003c/b\u003e은 처음부터 보험료가 좀 비싸요. 왜냐하면 보험사가 미래에 올릴 보험료를 미리 계산해서 처음부터 받는 거거든요. 대신 한 번 정해진 보험료는 평생 그대로예요. 처음 계약할 때 정한 금액으로 보험료가 오르지 않아요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c!-- 41 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fda867dbd33a342d38b441f514b3db0f9.jpg\" style\u003d\"display: block; width: 886px; height: 256px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--42--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그렇게 생각할 수도 있죠. 장기적으로는 비갱신형이 유리해요. 하지만 지금 내가 그 보험료를 감당할 수 있냐는 거죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e전역 직후를 생각해 보세요. 수입이 없거나 아르바이트로 불안정하게 벌고 있다면, 비갱신형 실손보험료가 월 5만 원 정도이더라도 부담되죠. 그렇다고 보험을 안 들 수는 없잖아요. 급하게 병원 갈 일이 생길 수도 있으니까요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그래서 일단 갱신형(월 2-3만 원 수준)으로라도 시작해서 보장을 확보하는 게 먼저예요. 보험 없이 지내다가 아파서 병원비 100만 원 내는 것보다, 월 2만 원 내고 보장받는 게 훨씬 낫죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그러다 \u003cu\u003e취업해서 월급이 안정적으로 들어오면 그때 비갱신형을 추가하거나 전환\u003c/u\u003e하면 돼요. 그때는 월 5만 원도 부담 없이 낼 수 있을 테니까요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 43 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-25%2Fcc41d32a1aa4409bb41b9524a78097ae.jpg\" style\u003d\"display: block; width: 886px; height: 604px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--44--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e가끔 보험 상담 받다 보면 종신보험 권유 받는 경우가 있을 거예요. \u0026quot;지금 젊을 때 들어 놓으면 보험료가 저렴해요\u0026quot; 이런 말 들으면서요. 근데 솔직히 20대에는 종신보험 같은 건 좀 이릅니다.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e\u003cu\u003e\u003cb\u003e종신보험\u003c/b\u003e은 내가 죽었을 때 남은 가족들을 위해 드는 보험\u003c/u\u003e이거든요. 지금은 그런 걱정보다 당장 \u003cu\u003e\u003cb\u003e병원비나 사고 배상 같은 현실적인 리스크를 대비하는 게 먼저\u003c/b\u003e\u003c/u\u003e예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e결혼하고 아이 생기고, 내가 벌어서 부양해야 할 가족이 생기면 그때 종신보험이나 정기보험 같은 걸 고민해도 늦지 않아요. \u003cu\u003e지금은 실손의료보험이랑 생활 패턴에 맞는 소액 보장으로 충분합니다\u003c/u\u003e.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 45 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-24%2Fbefbacabdf3346dbb18bc2c50028bcd2.jpg\" style\u003d\"display: block; width: 886px; height: 200px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!--46--\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e인생도 마찬가지예요. 내가 준비됐든 말든, 시간은 흘러가요. 복무 중엔 월급이 들어와요. 전역하면 끊기고, 취업하면 다시 시작되죠. 여러분의 20대가 바로 그럴 거예요. 오르막, 내리막, 또 오르막. 계속 변하는 거예요.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e멈춰 있지 않아요. 시계는 계속 돌아가니까요. 중요한 건, 그 시간 속에서 멈추지 않는 거예요. 오르막에선 힘차게, 내리막에선 천천히. 속도만 조절하면서 계속 가는 거죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e군 복무 기간, 여러분은 이미 시작했어요. 장병내일준비적금으로 모으고, ISA로 불리고, 생활비 관리하며 지키는 법을 연습했죠.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e그 습관을 놓지 마세요.\u003cbr /\u003e\r\n모으고, 불리고, 지키기.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.8;\r\n overflow-wrap: break-word;\r\n \"\u003e복무 중에 만든 그 작은 습관이, 말없이 돌아가는 시간 속에서 여러분을 지켜줄 거예요. 시계는 지금도 돌아가고 있어요. 그러니 지금, 바로 오늘 시작하세요.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 분리선 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-07-18%2Fac53578c32ba42a2bbdf7cdf26c65984.png\" style\u003d\"display: block; width: 886px; height: 100px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 73 시리즈 바로가기 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003ca href\u003d\"https://www.kcie.or.kr/yeouitv/deundeunVideo\" target\u003d\"_blank\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-07-18%2F940603f06e464d908062fa91b57eca95.png\" style\u003d\"display: block; width: 886px; height: 203px; vertical-align: top; border: 0px;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 73.5 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003ca href\u003d\"https://www.kcie.or.kr/yeouitv/soldiersWebBook/web_view?type\u003d3\u0026amp;menu_idx\u003d266\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2085\" target\u003d\"_blank\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-12-26%2Fb62e1bb3d7814459ac4c9ee7696b93c2.jpg\" style\u003d\"display: block; width: 886px; height: 570px; vertical-align: top; border: 0px;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e\u0026quot;손실 위험 \u0026darr; 수익 \u0026uarr;\u0026quot; 군에서 투자 상품 활용하기\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 74 유튜브 --\u003e\u003c!-- Responsive iframe wrapper --\u003e\r\n\r\n\u003cp style\u003d\"text-align: center;\"\u003e\u003ciframe allow\u003d\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen\u003d\"\" frameborder\u003d\"0\" height\u003d\"467\" referrerpolicy\u003d\"strict-origin-when-cross-origin\" src\u003d\"https://www.youtube.com/embed/xGMnnBZP7rk?si\u003dPHK-BW_VgNhc9TSE\" title\u003d\"YouTube video player\" width\u003d\"830\"\u003e\u003c/iframe\u003e\u003c/p\u003e\r\n\u003c!-- 안내문 분리선 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"margin-top:10px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin:0 auto; width:100%; max-width:886px; text-align:center;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position:relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin:0 auto; position:relative; width:100%;\"\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-07-18%2Fb30dc4f2bda24e468f760b38c09b2208.png\" style\u003d\"display: block; width: 886px; height: 100px; vertical-align: top; border: 0px;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- 75 --\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"margin-top: 20px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0 auto; width: 100%; max-width: 886px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_t3 se_align-justify\" style\u003d\"\r\n text-align: justify;\r\n color: #000;\r\n font-family: Sharing Gothic, NanumGothic, se_nanumgothic, AppleSDGothicNeo, sans-serif, SimHei;\r\n font-size: 19px;\r\n line-height: 1.5;\r\n position: relative;\r\n overflow-wrap: break-word;\r\n \"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.5;\r\n overflow-wrap: break-word;\r\n \"\u003e- 본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/p\u003e\r\n\r\n\u003cdiv style\u003d\"height: 22px;\"\u003e\u0026nbsp;\u003c/div\u003e\r\n\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"\r\n margin: 0;\r\n padding: 0;\r\n width: 100%;\r\n font-size: 19px;\r\n line-height: 1.5;\r\n overflow-wrap: break-word;\r\n \"\u003e- 본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n","view_yn":"Y","content_code":"B0000712","play_cnt":9576},{"webtoon_desc":null,"thumbnail":"contents/2024-05-23/0c179035873a4af6be13ac447476839f.png","keywords":";[1:1 자산관리법] ETF 대세, 연금∙ISA에서도 인기... 투자는 어떻게?;iNAV;괴리율;ETF;ETF장점;ETF상장폐지;기초지수;ETF기준가격;ETF투자;ETF선택기준;","mobile_use_yn":"Y","type":3,"title":"[1:1 자산관리법] ETF 대세, 연금∙ISA에서도 인기... 투자는 어떻게?","show_order":10,"star_cnt":412,"play_time":null,"webtoon_subtitle":null,"reg_date":"May 23, 2024 9:58:51 AM","menu_idx":239,"video_pc_cdn":null,"belongs":0,"star_avg":4.521844660194177,"video_mobile_cdn":null,"idx":1972,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eETF 대세, 연금∙ISA에서도\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인기... 투자는 어떻게?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 29.6px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 0px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfNjUg/MDAxNzE2MzQxNTQ4ODQ3.x00OE_K4rYE3mHBgJ0KmzO_OngD7kBbRbwlBPgf6TCQg.SKoiI09g6pLA60Z4djRDTuvOn7xkt5QbZDL89vfT7nAg.PNG/top1.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F5757b51adcc148f68eec9f3efdbd10f0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_1_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMTk5/MDAxNzE2MzQxNTc0NDY5.pOUJ-RwHh19Qyt7gLvjwb60I-tWjI6OklXKPVtVff28g.wOCpnnbU-gPmatIW02BAXzHvFIEJj2svEDL07EEd9v4g.PNG/22_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_1_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fec97fdfc17474702a08710962e6d174b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 268px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그런데 직장 동기가 펀드보단 ETF를 하는 것이 어떠냐고 합니다. ETF도 펀드인 것 같은데, 뭐가 다른 걸까요?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IN2KKuS1vv8kk4vW_zZjsyaewDVo\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e투자의 세계에 입문하신 것을 환영합니다. ^^\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e요즘 연금계좌나 ISA에 가입하여 ETF(Exchange Traded Fund, 상장지수펀드)에 투자하는 방식으로 목돈 마련과 노후를 준비하는 분들이 많아졌는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e지난 2023년 ETF의 순자산규모는 120조 원을 돌파하며 거스를 수 없는 대세가 되어가고 있지만, 정작 ETF가 무엇인지 제대로 알고 투자를 하는 분들은 많지 않을 것입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfNjAg/MDAxNzE2MzQxNTkyOTkw.7glk7r37PRcqovJe5Rq7mVNjDHW1euIMmdg5DSzvbogg.2M6UQdHX1zwcBmM8eqn4tmHnN8NkqbaZK6HfRWE7A8Qg.PNG/22_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F3ffc87f653cd44498d80782d958667b3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 477px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfNzUg/MDAxNzE2MzQxNjI5MTQx.ashs3jW5wBvd4nGXu5l0ZGrneFFKgEiZd_ZzW2U_tMwg.JW1u0z0anSrGmc3V1JwuEwkqAxIFtl5WefUhvvYhPpQg.PNG/22_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F103806fa5b4a4d2bb91ca3e885d471b7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 178px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e먼저 질문에 답을 하자면, ETF는 펀드가 맞습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e시장에서 사고팔 수 있기 때문에 주식처럼 보이겠지만, ETF는 사실 주식의 모습을 하고 있는 펀드의 일종입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e펀드가 여러 주식을 모아서 담고 있는 금융상품이듯이, ETF의 속 내용은 펀드이고, 안에는 다양한 주식들이 들어가 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 \u0026lsquo;KODEX 자동차 ETF\u0026rsquo;를 1주 샀다고 가정하면, 국내 완성차 업체, 자동차 부품 기업 등 국내 자동차 산업 전반에 투자한 셈입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약 우리나라 자동차 산업이 유망해 보여 직접 주식을 사려고 해도, 사회 초년생의 투자금으로는 대표적인 자동차 회사들의 주식을 몇 주밖에 못 살 것입니다. (현대자동차 244,000원, 2024년 5월 17일 기준)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 ETF로 투자하면 1주를 사는 데는 20,400원이면 됩니다. (2024년 5월 17일 기준)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 소액으로 분산투자할 수 있다는 것이 ETF의 가장 큰 장점입니다. (펀드의 장점이기도 하죠.)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 ETF는 \u003cu style\u003d\"background-color: inherit;\"\u003e주식처럼 시장에 상장되어서 실시간으로 사고파는 매매가 가능\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e즉 기존 펀드와 달리 주식의 편리성을 가지고 있는 것이죠. \u003c/span\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eE\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 163, 80); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eT\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eF\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e라는 이름을 보면 알 수 있듯이, \u003c/span\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;Exchange\u0026rsquo;\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 거래소를 \u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 163, 80); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;Traded\u0026rsquo;\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 거래(매매)를 의미합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 주식을 거래할 때 내야 하는 증권거래세가 면제되는 장점도 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e펀드지만 펀드보다 더 좋은 점은?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 펀드와 주식의 장점을 모아서 만든 ETF는 이외에도 좋은 점이 많이 있는데요. 대표적인 장점 3가지를 정리해서 말씀드리겠습니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMTI0/MDAxNzE2MzQxNjY1MjM5.ZTXS_PVyvfXmTtdy9kJA_JVuYB1ibmBYGd5Ke4F3OKMg.ywFsSYrAHKrLVtaGlm6vhhhu7lyt9bs_R6C_2zcX1fwg.PNG/22_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fc4a25c8ffa8f42e0867f9a95a3098762.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 79px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일반 펀드의 자산구성은 바로 그 내역을 확인할 수 없지만, ETF는 PDF(Portfolio Deposit File, 납입자산구성내역)를 통해 매일 확인할 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMTk0/MDAxNzE2MzQxNjcyODEw.hwQWyIAhnkKBQnvnTWbqsZ2zFpP6Wp_jGdYZ2taDGx8g.2Uh0_e9YkBslj8CJ-px6HidHvPcprnKc5HdxmBJpWeog.PNG/22_05.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fbbd328f6ada349d49a142dd1b5babc8a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 81px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일반적으로 주식형 펀드의 운용보수는 연 1.0% 안팎입니다. 상대적으로 저렴하다고 하는 인덱스 펀드들도 연 0.6% 안팎에서 결정되고 있는데, ETF는 연 0.4% 안팎에서 적용되고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e특히 KOSPI 200을 추종하는 ETF들은 이보다 더 저렴한데요. 연 0.012%인 경우도 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjYz/MDAxNzE2MzQxNjg4NDQ4.2JdaHqnQYwBhW4GeYSslcqVM6I0x0grHlcCRUDiXRSUg.WkNCOUrIMBBmiDIH-NWG9R2M3KaYvCJ8wbKCHEr7P3Mg.PNG/22_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F6c780f06039846f2b7014a74e8c617f3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 87px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일반적인 펀드들은 보통 환매제한기간이 있어서, 이 기간 내에 환매할 경우 일정한 페널티(환매수수료)를 부과하는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 ETF는 당일에 사고팔아도 이런 수수료를 전혀 부담하지 않고, 자유롭게 언제든지 거래가 가능합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 펀드는 같은 날짜에는 한 가지 기준가격만 존재합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 아침 10시에 매매주문을 하거나, 오후 2시에 매매주문을 해도 동일한 기준가격으로 체결이 되는 구조이지만, ETF는 주식처럼 실시간으로 매매를 할 수 있어서 시장 상황에 따라 빠르게 사고팔 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjU4/MDAxNzE2MzQxNzA1NTM4.23PmJNyY7wfWboYxDtnZTjHVrOjGL5GPCnoovez3V9wg.tBxbaqmxuXul99kfM8ByNPtWt6BDfyB9fKy6xb67Jw0g.PNG/22_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F559addeafe45476b8664c1c6a637cf1c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 510px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 이렇게 많은 장점을 가지고 있는 ETF도 결국 금융상품입니다. 다시 말해 제대로 알고 투자하지 않으면 손실을 겪을 수 있다는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 높은 수익률만 보고 파생상품형 ETF(레버리지, 인버스 등)에 들어갔다간 큰 낭패를 볼 수 있습니다. 또한 ETF도 주식처럼 상장폐지를 할 수도 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이런 이유로 ETF에 투자하실 때는 신중한 선택과 매매가 필요합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfNTAg/MDAxNzE2MzQxNzUxMDAz.6pnFtzOClyODWhcBQ9tgh1hOFcXs8mXHKFRZSQQYkc8g.CsHe64tjru3jTMi4iF65QsFqid5KULa8RBWMtUH45I4g.PNG/22_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Ff0a2b59f7c72442284938086ad4358ac.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 186px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식에 투자하는 분들이 가장 싫어하는 말은 아마 \u0026lsquo;상장폐지\u0026rsquo;라는 말일 텐데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보통 개별 기업이 안 좋은 일로 상장폐지되는 경우가 많아서 투자금을 크게 손해 보기 때문일 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식과는 다른 ETF 상장폐지\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003eETF도 상장폐지가 가능\u003c/u\u003e하며, 이는 \u003cu style\u003d\"background-color: inherit;\"\u003e투자자 보호와 시장의 안정적인 유지∙성장을 위해 고안\u003c/u\u003e되었습니다. 그래서 주식의 상장폐지와는 좀 다릅니다. \u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일반적으로 ETF의 상장폐지가 결정된다고 해도 펀드가 보유한 주식 등의 기초자산은 수탁사가 맡아두고 있기 때문에 이를 매도해 현금화한 후 투자자들에게 돌려줍니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e물론 상장폐지 시점의 자산가치에 따라 최종적으로 수익 또는 손실을 볼 수도 있지만 투자금 회수가 어려운 주식보다는 낫다고 볼 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfNTgg/MDAxNzE2MzQxNzc1Mzg2.EFGOtwvhGK-70Rn8PJ0lR2M11_UqqPrE317R-JNkhfUg.g7mU6A9KqZvxM5yZj3tBMzSZoQ5y0ZHC2YX4XfiTpREg.PNG/22_09.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F4a56740aa618459eb098bd5b1055b7f4.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 243px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그렇기 때문에 가급적 ETF의 상장폐지 상황을 피하는 것이 상책일 텐데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그럼, ETF가 상장폐지되는 요건은 어떤 것이 있을까요?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e여러 가지가 있지만 크게 3가지를 꼽자면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e순자산규모, 유동성공급자, 기초지수 간의 관계\u003c/b\u003e(상관계수) 등을 들 수 있는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e첫 번째, \u003cu style\u003d\"background-color: inherit;\"\u003e상장된 지 1년이 넘은 ETF의 순자산규모가 50억 원 미만이 된 상태로 1개월 이상 유지\u003c/u\u003e될 경우입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 좋은 ETF를 선택하시려면 순자산이 크고 가급적 거래량이 많은 상품을 고르는 것이 좋습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e두 번째, \u003cu style\u003d\"background-color: inherit;\"\u003eETF 호가를 내주어야 하는 유동성공급자가 한 곳도 없는 경우\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e유동성공급자(LP, Liquidity Provider)란 보통 증권사를 말하는데요. 우리가 ETF를 사거나 팔려고 할 때 매수자나 매도자가 없으면 거래가 원활하게 돌아가지 않습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 원활한 거래를 위해 유동성공급자가 ETF 매수 또는 매도 주문을 내어서 매매가 이루어지도록 돕습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 ETF 투자 전에는 유동성공급자가 있는지 반드시 확인해야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e세 번째, \u003cu style\u003d\"background-color: inherit;\"\u003e기초지수 간의 관계란 (ETF가 추종하는) 기초지수와 ETF가 얼마나 비슷하게 움직이는가\u003c/u\u003e를 말합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일반적으로 이를 상관계수라고 부르는데 3개월 이상 0.9 미만이 되는 경우 상장폐지 요건이 되며, 보통 1에 가까울수록 ETF와 기초지수가 가장 비슷하게 움직인다고 봅니다. (액티브 ETF는 0.7 미만)\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjIw/MDAxNzE2MzQxODAwNDg2.vFm_J_NS6KCwN7CdomXiQYW5-R0AO_ROXS4FuG3RM_kg.4J8nO7WngaC4TZY74-LBvN302uuOEictImJcjltKztsg.PNG/22_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fbbfe5b90d08049439975bed0669ccb4b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 413px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjI3/MDAxNzE2MzQxODEyMTg4.QEdTh-LWzmyGxM8qoi693DYKC1lC5VIFsvxx8645eJkg.iaLRiljUR5QJNNPlBAUwCkr_cg-SJfuZbBA7w-oPpRMg.PNG/22_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F927fd31a44624114b09a40e904451c9c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 180px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e기초지수는 \u003cu style\u003d\"background-color: inherit;\"\u003eETF가 추종하는 목표지수로, ETF의 수익률은 기초지수를 따라가도록 구성\u003c/u\u003e되어 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해, 기초지수의 변동에 따라 ETF의 수익률이 결정될 수 있다는 의미입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eKOSPI 200, S\u0026amp;P 500, 나스닥 100, 니케이 225, FTSE 100\u003c/b\u003e 등의 용어들을 아마 뉴스나 기사를 통해 한 번쯤은 들어보셨을 텐데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;KODEX 200\u0026rsquo;\u003c/b\u003e이라는 ETF는 앞서 말한 \u003cu style\u003d\"background-color: inherit;\"\u003e\u0026lsquo;KOSPI 200\u0026rsquo;이라는 국내 기업 200개로 구성된 지수의 수익률을 따라가는 것\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 목표지수가 상승하면 그만큼 수익이 발생하고 하락하면 그만큼 손해가 발생합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfNzgg/MDAxNzE2MzQxODI4MDU1.Rzzn6_jukPLvCTmpU-3BqdHiBNbWriZKL8onV0DEMxgg.uD9R_g43fNAtXJM6zcx5jvd6mxsi9tEW4ghbO7R3j5Ag.PNG/22_12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-27%2F1779ad0807b04f669a7e79db7f685632.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 786px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 꾸준히 우수한 성과를 내거나 투자 수요가 많은 지수는 자산운용사(ETF를 발행)에서 관련 ETF를 많이 출시하고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대표적으로 국내 대표 시장지수인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eKOSPI 200\u003c/b\u003e과 미국 대표지수인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eS\u0026amp;P 500\u003c/b\u003e이 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjEx/MDAxNzE2MzQxODY2MDc5.rqRTpIc3v52cw2Dj_NGhoRinNWTO7BvLRxp1bfxRQ8og.KC4_bBfAK4x0hb6lFQ_tgEE1amvfQx-7JnqfHeypkosg.PNG/22_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fd82c9a5c52714a4d947752201a083637.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 224px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMzUg/MDAxNzE2MzQxODYxMzE4.fufjXyfgQDwbH5Z-FFjadcYA3DEPa-z8SBeAg_Lw0log.8UzD5AuKeoaJd4hAF4hKJu_k20zCNZ559W3xSEU1yN4g.PNG/22_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fc053743534424bb880fbdb499eb74d56.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 223px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또 \u003cu style\u003d\"background-color: inherit;\"\u003e운용사가 수취하는 보수와 운용 과정에서 발생하는 기타비용\u003c/u\u003e을 비교해 보는 것도 방법 중 하나입니다. \u003cu style\u003d\"background-color: inherit;\"\u003e장기투자 측면에서 아무래도 보수와 기타비용이 저렴한 상품이 더 유리\u003c/u\u003e하기 때문이죠.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e한 가지 팁을 더 드리자면, 운용자산(순자산규모)이 많을수록 비용이 덜 발생하고 거래량이 많으면 괴리율도 낮아질 수 있어서 이 부분도 같이 고려해 보시면 좋을 것입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-left\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: left; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjA4/MDAxNzE2MzQxODg0Mzc0.8DUSeZNS1IgON94nIOqllTexFaFbzYzDGGbKJVrzATYg.twk-G0ue4cU-zwZnuZQ6TWM7r9JMNtyUfEwBNc7RfH0g.PNG/22_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fb10a8cf8cddb4d37b60b8829c6c32ce5.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 224px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e네, 맞습니다. 평상시에 듣기 힘든 생소한 용어들이지만, ETF에 관심이 있으시다면 알아두시면 좋은 용어들입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 0px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjY5/MDAxNzE2MzQxOTAwNjYz.Q_VIKJAY0FnmLDBZ98WO8Emvn8htF8MX0tvdmU54_iYg.CggkxcfcDhR1ARryxacJlnqEk6x3C66hQIDnJM0B9JUg.PNG/22_16.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fea0ee10f586749c9aa4397e087ee2ef2.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 97px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e괴리율\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003eETF의 기준가격(NAV(Net Asset Value), 순자산가치)과 ETF가 매매된 가격의 차이\u003c/u\u003e를 말하는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e투자자의 입장에서 \u003cu style\u003d\"background-color: inherit;\"\u003e괴리율이 마이너스(-)일 때 ETF를 사면 싸게 산 것\u003c/u\u003e이고, 괴리율이 \u003cu style\u003d\"background-color: inherit;\"\u003e플러스(+)일 때 사면 비싸게 산 것\u003c/u\u003e이라고 볼 수 있습니다. 즉 투자자로서는 괴리율이 낮은 ETF가 더 좋은 상품이라고 할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e한국거래소에서는 ETF의 괴리율이 일정 수준(국내투자 ETF 1%, 해외투자 ETF 2%)을 넘어서면, 투자자들에게 주의를 주기 위해 이를 의무적으로 공시하도록 하고 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMTM0/MDAxNzE2MzQxOTI2ODM1.-JvfYOinnS0ZLh0IaKCabymGJ7dXE8s9KRVrr4j6OXAg.3PhA5FNtWG8OVQgIslJbar5XRg6_YQ0PbrQ3lBfFnYog.PNG/22_17.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fae45f50d7d6b47d59e4f9f2f3372b51c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 2147px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 0px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMTky/MDAxNzE2MzQxOTQ3MDIx.Ol5q5xFp4S1XmI1OUCJA66B09-cWhZXNEgUtJ8EGHHkg.jB_J1DvUOqDIofssgeSMv8mB4v9_f6rNbKx-YfobKzAg.PNG/22_18.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F890ad34f0f90419ea9ed1a2a35e565be.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 99px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e추적오차\u003c/b\u003e는 \u003cu style\u003d\"background-color: inherit;\"\u003eETF 수익률이 기초지수 수익률과 얼마나 일치하는지\u003c/u\u003e, 즉 추종하는 기초지수의 움직임을 얼마나 잘 따라가고 있는지를 보여주는 지표입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일반적으로 ETF는 기초지수의 움직임을 그대로 따라가야 합니다. 예를 들어 기초지수인 \u0026lsquo;KOSPI 200\u0026rsquo;이 5% 상승하면 ETF의 NAV와 시장가격도 5% 상승해야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 \u003cu style\u003d\"background-color: inherit;\"\u003e추적오차율이 낮을수록 ETF 운용사의 운용 능력도 뛰어난 것으로 판단\u003c/u\u003e할 수 있습니다.\u003c/span\u003e \u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfODgg/MDAxNzE2MzQxOTcyMDA0.hcN3fuo6ZjsJGjxyd4N_6NmkjwwGItw6usUFAwf-8JUg.GS-PXDrX-DdEbJsAtTspZibuP2EOY8_Kupjz3HdeThAg.PNG/22_19.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F1d299b49f4604f66a8eed7043c5b0bea.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 236px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMTY1/MDAxNzE2MzQxOTg1MjMy.TrzyuQHfuM-E2aXprbr2dN3sZcNWWLozUWDhQ30tfQwg.XB01uCvi0r3s9msVtdkKv0QEEjMBj4WIS1WniXWGUVMg.PNG/22_20.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F8c52c862a2b94ccabef6c72841a7be7c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 951px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이외에도 자산운용사의 홈페이지나 네이버 증권에서도 이러한 자료들을 확인하실 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjI3/MDAxNzE2MzQyMDMwMjQ0.lpmJEzNt4F5DTfczUxX8s7LJU2UQAzlKv_MQcnmIR4kg.ijb75rmUSws3ksxQRWPV_eFiM0dtdk8kYv2ezon724Eg.PNG/22_21.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2F4af06cc71dee4c8d902af6bb24e59a8a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 501px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjJfMjEz/MDAxNzE2MzQyMDQwMTYy.6oEiwXag5DTn8TS7s5DgqO6RNmAhi5d8qCujG2DwEpgg.Uvh_uuUOpooPvBvVvz76rz63yJwPvpACR8JothO8t0kg.PNG/22_22.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37851344\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Fe835e6c82f82468394ea240af97f173e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 221px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 앞서 말씀드렸듯이 많은 장점을 가지고 있는 ETF도 결국 금융상품이고, 높은 수익률만 보고 덜컥 가입했다가는 원금 손실을 볼 수도 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그렇기 때문에 오늘 제대로 알고 투자하기 위해 필요한, 즉 안전한 투자 방법과 ETF 가입 시 필요한 선택 기준들에 대해 자세히 살펴봤는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e20~30대의 사회초년생은 투자 경험은 부족하지만 향후 투자 가능 기간이 길다는 장점이 있습니다. 그래서 처음에 투자금은 좀 작을 수 있지만, 소액으로 꾸준히 장기적인 ETF 투자를 해보시면 좋을 것 같습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 ISA를 통한 비과세 혜택을 누리시는 것도 잊지 마시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F18a3bc4a8e8e405ba6ed8adda5d7c5c3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1716342198233-1844944999_image_25_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MjFfMjA1/MDAxNzE2MjUyOTkwMzEy.T6a5S_226MQ52M-AXf3Vyy5WYxEkuJ4oqMmkMTdQPVMg.fMEjaAzXGs2Zl-_i4qapAYwCPT9vggEzOZ-6q6Lpmg8g.PNG/top1_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FtuzVKwL\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/assetmanageWebBook/web_view?type\u003d3\u0026amp;menu_idx239\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1971\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1716342198233-1844944999_image_25_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-22%2Ffd3133523828414eb73281f8b29e563e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e노후생활, 국민연금으론 부족해! 날 위한 개인연금은...\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715648470115--141318397_image_28_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MTNfMjYy/MDAxNzE1NTU5NzM3Mjg4.UfFp6AJVONowhNwSJB7NR6rVlAYxgIj066V4y-wWbCog.sTZBN-k_94pO_6Tdk-UkXuxaB2YFeZAfe5Ay4rsbw4gg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/G1sDxJb8\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/assetmanageWebBook/web_view?type\u003d3\u0026amp;menu_idx239\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1969\" style\u003d\"text-align: center; 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letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 18.99px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e은퇴자금 어떻게 모으지? 회사 생활도 바쁜데... TDF, TIF, TRF\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); 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font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n","view_yn":"Y","content_code":"B0000660","play_cnt":76139},{"webtoon_desc":null,"thumbnail":"contents/2025-01-02/802a05dc4db54ee49504f334e52eabef.png","keywords":";[투자\u0026세테크 Knowhow] 연금(국민연금, 연금계좌) 받을 때 세금이? 종합과세, 건보료는 또 어떻게…;연금세금;연금계좌종합과세;연금계좌분리과세;연기연금제도;국민연금종합과세;국민연금세금;연금계좌세금;노령연금세금;연금소득공제;연금계좌절세;","mobile_use_yn":"Y","type":3,"title":"[투자\u0026세테크 Knowhow] 연금(국민연금, 연금계좌) 받을 때 세금이? 종합과세, 건보료는 또 어떻게…","show_order":7,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Jan 2, 2025 10:38:05 AM","menu_idx":252,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":2026,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); 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font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 26px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금(국민연금, 연금계좌)\u003cbr /\u003e\r\n받을 때 세금이? 종합과세,\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 26px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; 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text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; 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vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-justify\" style\u003d\"margin: 0px auto; width: 700px; text-align: justify; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"position: relative;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_1_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTkw/MDAxNzM1NjA0ODYzMDYx.2AoKlC2CbPVPHG4S8w3gLwfLRaMjjIz_KYqi1bD9bMUg.tBS7Rw2jiyaTq9DV3THIQ5AIUMxIMrQOR7jS4swgnNEg.PNG/top.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_1_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fc2442021c56d4168ae62ee914208b0e5.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 467px; vertical-align: top;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTIy/MDAxNzM1NjA0OTA3MjA2.6sZw7eCCRyCdD7fn04Z74OifLoCHt5cI5AnTMk19I4kg.Y1Vl1UqUzYXVThhDsHI6pYxyF8Bpx5iqReIQOjjdjg8g.PNG/11_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fa2d5fc051a424f25ae11fe8ea6eaead7.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 241px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e아니 국민연금, 연금계좌 모두 합치면 매년 1,500만 원은 넘을 텐데, 종합과세라니? 건보료 부담도 크다는데\u0026hellip;\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjIw/MDAxNzM1NjA0OTU1MjQx.2NC_eQGeBtAlPKXsE6ggCWSjD-GvNvOfxBxk6bfOcdEg.7ZFE-ianjaPIhXhZd9UHVKOlStdPQZ15Gut4N7EDb1og.PNG/11_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F4d831552513649a7ae26b896e1d86109.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 151px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e요즘 연금 수령과 관련된 기사 중에 이런 유의 제목을 심심치 않게 볼 수 있는데, 별다른 소득 없이 연금소득만으로 노후 생활비를 보낼 수밖에 없는 은퇴 예정자분들은 아마 가슴이 철렁하실 겁니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 먼저 답을 드리자면 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1,500만 원\u003c/b\u003e은 국민연금과 연금계좌(IRP, 연금저축계좌)를 모두 합친 금액은 아닙니다.\u003c/u\u003e\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e노후 준비의 기본은 연금, 하지만 받을 때 세금 이슈는?\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e3층 연금 제도\u003c/b\u003e가 자리를 잡아가면서 노후 준비 중 가장 기본은 연금이 되었으며, 이에 연금 관련 세금에 대한 관심도 커졌습니다.\u003c/span\u003e \u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e특히 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금 수령 시\u003c/b\u003e \u003cu style\u003d\"background-color: inherit;\"\u003e세금, 종합과세 대상 여부, 건보료 부담\u003c/u\u003e 등에 대해 걱정이 많다는 분들이 크게 늘었는데, 이는 \u003cu style\u003d\"background-color: inherit;\"\u003e2차 베이비붐 세대(1964~1974년생)의 은퇴가 본격적으로 시작\u003c/u\u003e된 것이 주원인인데요.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2차 베이비붐 세대\u003c/b\u003e는 자녀가 취업하지 않거나 노부모를 부양하는 경우도 적지 않은 데다가, 연금제도 개편으로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국민연금마저 만 60세부터\u003c/b\u003e 받을 수 없기에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5~10년의 소득공백기\u003c/b\u003e까지 발생합니다.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjQ4/MDAxNzM1NjA0OTcyNDEy.xSsoNRCdmi3Gt22hnLocBPVcuUi7KB_ZXTwBZRXtKWog.Th1YHTDV7xYzzBBr1axffV1qE8cpSbrukoYAfoIx04Qg.PNG/11_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Faf96190c8b464da1acd1c25e7707230f.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 250px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이런 이유로 연금 수령 시의 세 부담이나 건보료에 대한 고민이 많을 수밖에 없습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 요즘 은퇴 예정자들은 장수 리스크, 즉 늘어난 수명만큼 자산의 수명도 늘려야 하는 세대이기에 세금까지 고려한 연금 인출 전략이 필요합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfODgg/MDAxNzM1NjA0OTg0MTcx.fLY1lS31ygQ3Doul-VejTsYNdeBO-TFi0ec77-MOSuEg.BTr4ExLUih4kSNj2CW-orNtgXfgHyyANspgLRTpK9_gg.PNG/11_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fe39e204475d54b6fb803b4b45d70b826.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 207px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e먼저 55세부터 받는 연금계좌(IRP, 연금저축계좌)의 종합과세는 국민연금의 종합과세와 무엇이 다른지 살펴보겠습니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTEw/MDAxNzM1NjA0OTk2NjQ5.rp0qFFN55S13FfebARWO-BHOG-d7X_r1MgsufVTDOkwg.5SfSYHxzledvGsERSjHFWdKEPGENpixn3WAZVDRyme0g.PNG/11_05.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F9679268aa24348c0a73e6d78bf27176a.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 193px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌\u003c/b\u003e(사적연금)과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국민연금\u003c/b\u003e(공적연금)은 \u003cu style\u003d\"background-color: inherit;\"\u003e각각 과세되며, 금액도 합산되지 않습니다.\u003c/u\u003e (연금의 과세 단위도 개인 기준이어서 부부의 연금액을 합산하지도 않습니다.)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 \u003c/span\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1,500만 원\u003c/b\u003e을 초과하면 종합과세와 분리과세 중 하나를 선택\u003c/u\u003e할 수 있고, \u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국민연금\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e무조건 종합과세\u003c/b\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예전에는 연금계좌 등과 같은 사적연금의 소득금액이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1,500만 원\u003c/b\u003e을 초과하게 되면 종합과세 대상이 되었지만, \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2023년\u003c/b\u003e부터는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합과세\u003c/b\u003e(종합소득세율 6.6~49.5%)를 할지, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e15.0%\u003c/b\u003e(지방소득세 10% 별도)\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e의 분리과세\u003c/b\u003e를 적용할지 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e선택\u003c/b\u003e이 가능\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이때 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득 1,500만 원\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e국민연금 등의 공적연금을 제외한 금액\u003c/u\u003e을 말하며, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌의 재원 중 세액공제를 받은 원금과 연금계좌에서 발생한 운용수익으로만 계산\u003c/b\u003e됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNzYg/MDAxNzM1NjA1MDExOTc5.ThDPzDJKkKWhQLsIfn_KIjOogntQvSSdeAbkmTKeOLcg.XfOIR7xq4Sa2kFNH_Opr1BPMPSXWIxujohcq_iIJT1Mg.PNG/11_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F1e7ee53fc32c4e4d81c139d91c6cefc2.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 477px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTc2/MDAxNzM1NjA1MDExOTc2.bD5JKrhFvpqtLPv-36LFZd_AFIIP9WP7YScrspF-vuwg.1rpNHb2ShbyviuXFw8ZfDOcEspRLph0c-3k2a68Z-Okg.PNG/11_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fd99845a1994e4cf3bc3d5f032acac24a.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 172px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Ff4b9acc8270945d1b0a549443c059f1e.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 196px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjE3/MDAxNzM1NjA1MDExOTc3.d8tVCqSJkK40s7b0Ufe745J4Wik5T6qHTk-npYkY5pwg.EMjz8s0RFIaMZhxO1GVXzZSfT2hoql4mYanja5i5pYcg.PNG/11_09.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fe08e96b26aa745bf9d37b5fff8f5d0ea.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 91px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌에 적립된 자금의 원천\u003c/b\u003e은 \u003c/span\u003e\u003cspan style\u003d\"color: rgb(147, 51, 143); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세액공제 받지 않은 금액, 이연퇴직소득, \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 163, 80); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세액공제를 받은 원금, 연금계좌에서 발생한 운용수익\u003c/b\u003e\u003c/span\u003e \u003cspan style\u003d\"color: rgb(0, 153, 145); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(39, 157, 27); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e 등 크게 4가지로 구분하며, \u003cu style\u003d\"background-color: inherit;\"\u003e자금의 원천에 따라 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인출순서\u003c/b\u003e가 다릅니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 153, 145); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(39, 157, 27); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e법적으로 연금계좌에서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금을 인출할 때 사용되는 재원의 순서\u003c/b\u003e는 아래의 그림과 같습니다.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e \u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTEw/MDAxNzM1NjA1MDM3MTM1.f5yjeXTJbxz0fHcFKQVO9HuqSlx3_K4y5K5EbgYSxaEg.VlUcxOYr9xEDU0yQR0VC-M4Nmixv4RChFH9YKuMP4QMg.PNG/11_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fa7074d7ac1894d6c9c5124339714ccf9.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 485px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 중에서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합과세 대상이 아닌 자금\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e세액공제를 받지 않은 금액과 이연퇴직소득(퇴직금이 입금됐을 경우)\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세액공제 받지 않은 금액\u003c/b\u003e이란 연금계좌의 연간 납입한도가 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1,800만 원\u003c/b\u003e인데, \u003cu style\u003d\"background-color: inherit;\"\u003e연말정산 시에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e900만 원\u003c/b\u003e(세액공제 한도)의 세액공제를 받고 난 나머지 금액 같은 것을 말합니다.\u003c/u\u003e (물론 이는 다음 해에 이월해서 세액공제를 받을 수도 있습니다.)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합과세 대상이 되는 자금\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e세액공제를 받은 원금과 연금계좌에서 발생한 운용수익\u003c/u\u003e이며, 이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e합산금액이 1,500만 원을 초과하면 종합과세 대상\u003c/b\u003e이 될 수 있다는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e물론 분리과세를 선택할 수도 있습니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjk1/MDAxNzM1NjA1MDUyNDY3.lyZYQdhMG5PgCLgOUAS_2mSr635sQFkMVah5CyOlOKog.DE07TZaL_ECk6lKP5gA8NT_a8qqdpyGIibm56flOgLYg.PNG/11_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fc3b742d35da74c28ab2432d30147ce4f.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 183px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNSAg/MDAxNzM1NjA1MDUyNDgy.3AEShWxawzcjkDoySJOd0bP14djDu8AzpkjyQlfPXWwg.kumjiI_0zBiZX8gVtPtdE_9zgcIrKbYUDQ01K1i0H_Ag.PNG/11_12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F742ec7e7909842a3bc22c84f3561c2b3.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 201px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e경우에 따라 다르겠지만, 일단 만 60세에 3,000만 원을 연금(과세대상소득)으로 수령하면서, 근로소득이 5,000만 원이 생긴다고 가정해 보겠습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합과세를 선택\u003c/b\u003e하면, 연금소득 3,000만 원에 종합소득세율(24% 구간)을 곱하면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e530만 원\u003c/b\u003e의 세금이 발생합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분리과세를 선택\u003c/b\u003e하면, 연금소득 3,000만 원에 분리과세세율(15%)을 곱하면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e450만 원\u003c/b\u003e이 생기므로 이 경우에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분리과세가 더 유리\u003c/b\u003e합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjI0/MDAxNzM1NjA1MDcyMjQ4.2kGN1eHZOQxaF0_zQJLbWJ6_V3OBIj0GMdYKwpwavHog.Vdwz7OTaYqQPP0EsadaxF3zAP7nRnq6c4FFacfsKTuwg.PNG/11_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2F645a629dc0724620a536d32d82b55d87.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 404px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTkx/MDAxNzM1NjA1MDcyMjQ2.a2CihAMznV_m6D44XV-7DmGAl5puaLiWpMXDQDvI3bsg.PAoa7N7Uj-3b3OYvuaQtdNdA8nxHcl1BqRgkpRrZjk4g.PNG/11_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F34d2dbd5d7c04bab8d0ea0e219114438.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 86px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjgz/MDAxNzM1NjA1MDcyMjUw.qAO3K370l509GlbY4lBj1gCROZ3cPd-5GCvTvVBt-8wg.CfiQ60pybH3OSnBUfzDLbOp8iJBVq0N8Jh6d_QafPaYg.PNG/11_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F0ea12bf8234940b293813ac099e3b75e.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 179px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTI2/MDAxNzM1NjA1MDcyMjUy.86CdakL7xGczjxJo3tKJXJzMfAfoqEMlmikgrcU1mO8g.Bp9sSM_2HQOfk2DfFRbrPJZEdpj1J7hPY65s-FIRppsg.PNG/11_16.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F3924b15e940c4623924f578db1790c0c.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 205px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득이 2,000만 원\u003c/b\u003e을 넘었거나, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e사업소득 및 근로소득\u003c/b\u003e이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e많이 발생\u003c/b\u003e한다거나, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기타소득이 연 300만 원을 초과\u003c/b\u003e하는 경우에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e노령연금\u003csup\u003e*\u003c/sup\u003e\u003c/b\u003e은 해당 소득과 합산하여 \u003cu style\u003d\"background-color: inherit;\"\u003e다음 연도 5월 말까지 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합소득세 신고\u003c/b\u003e를 통해 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세금을 재정산\u003c/b\u003e\u003c/u\u003e하셔야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e* 노령연금: 국민연금에 가입하고 일정기간 이상 납부하나 사람이 노령연령에 도달했을 때 받게 되는 연금을 말함\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNjYg/MDAxNzM1NjA1MDkzMDcy.2KMChQFFu-NwFNbI5MZw3d0LRBCfWbJD_aAfD2dEWEog.0n1974lUOKyg-Txjiah9zJrm0f76hHIvXfM9yNklm54g.PNG/11_17.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2Feb2cfbc35d9e4b65adecd04ba85d977c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 821px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합과세 대상이 되었을 때, 세금을 줄이려면?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 이런 \u003cu style\u003d\"background-color: inherit;\"\u003e경우에는 연금 받는 시점을 연기하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연기연금제도를 활용\u003c/b\u003e\u003c/u\u003e하면 세금을 줄일 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연기연금제도\u003c/b\u003e란 \u003cu style\u003d\"background-color: inherit;\"\u003e본인이 연금을 받을 시기가 도래했음에도 받을 시기를 뒤로 연기할 경우 최대 5년간 매년 7.2%씩 늘려준다는 것\u003c/u\u003e입니다. (반면 조기 수령할 경우에는 6%씩 감액)\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTc1/MDAxNzM1NjA1MTA5NzU1.Il3OvpwoZgkmgY37ZKMleFkAyD1dQsRzV1vMteb8R3kg.T6_TsT-IG422gIeZa1De0shjFLvcvOwnXBX5SnT84MAg.PNG/11_18.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fb519e81afd4147619a65d176f79779c2.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 752px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfOCAg/MDAxNzM1NjA1MTIxNTQ1.8aTEez2iYU25HPSPERWUhLh3JKYaMJGFmgbWo773GIcg.O1fqJHwWlpJHxld241OwiTlXE0WDqVRPCJZ3PtDEBYcg.PNG/11_19.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F34f323313ce14345af9f35256c322745.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 199px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjU3/MDAxNzM1NjA1MTIxNTQz.QS2EP91BCTIL6yw32307iAND-Xu_zio2wRbh2K4vyqgg.WIBYdF7WqE5auY5T07bZucxnWg0IZ7OLgkBm0jLI-8og.PNG/11_20.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2F099a4671121044deb3f4627a2c2ed680.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e국민의 기본적인 노후생활비 보장이라는 국민연금 본연의 취지에 비춰보면 세금을 부과하는 게 의아하다는 분이 적지 않으며, 억울하다는 분도 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 원칙적으로 모든 소득에는 세금이 발생합니다. \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e사업소득, 근로소득, 연금소득, 금융소득\u0026hellip; 국민연금\u003c/b\u003e도 받을 때는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e노령연금\u003c/b\u003e이라고 하고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득\u003c/b\u003e으로 간주하여 세금을 내야 합니다. \u003cu style\u003d\"background-color: inherit;\"\u003e심지어 종합과세 대상\u003c/u\u003e이기도 합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e노령연금 받을 때 세금을 내야 하는 이유는?\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사실 2000년 이전만 해도 노령연금에 소득세를 부과하지 않았습니다. 대신 국민연금 가입기간 동안 납부한 보험료도 소득공제를 해주지 않았습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e국민연금 가입자가 납부한 보험료를 전액 소득에서 공제해 주기 시작한 것은 2002년부터입니다. (2001년은 납입금의 50%만 소득공제)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e여러분이 \u003cu style\u003d\"background-color: inherit;\"\u003e연말정산 시 소득공제 항목\u003c/u\u003e에서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금보험료 공제\u003c/b\u003e(공적연금 보험료 납부액)가 바로 이 부분입니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대신 2002년 이후 보험료에서 발생한 노령연금에는 소득세를 부과하고 있는데, 이는 보험료를 내는 동안 과세하지 않고 연금을 받을 때 과세해 세 부담을 낮춰주겠다는 취지입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNDYg/MDAxNzM1NjA1MTQ2NTc1.sgCgAs5XVDZ863AH8mlU866Tl4fRkBCDbtGKdMSxf28g.9PffAvDuwFSsxqjEHzuQ8JhoYHyQmr2iROl0xTx2GZUg.PNG/11_21.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fabec16a5e5984037bc6f5db0e599a4cd.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 179px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_23_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTYg/MDAxNzM1NjA1MTQ2NTc1.jZiSW1uH04XHVSmoqX-_4wEcjAwhE0uK0Ve9J7zcYl0g.nmq9Y4juI-z9go9yO0--L6F8H0ZSG6Cu4h0-pJK_3gkg.PNG/11_22.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_23_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fc181f0240d6443749961e5f1eee480d8.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 201px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 한창 경제활동을 하면서 높은 세율을 적용받을 때 소득공제를 받고, 상대적으로 소득이 적을 때 낮은 세율로 세금을 부과받게 되니 그만큼 이득이라고 할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 과세 시기를 뒤로 미룰 수 있는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세이연\u003c/b\u003e 혜택도 누릴 수 있습니다. 많이들 아시는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e절세형 금융상품\u003c/b\u003e인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌\u003c/b\u003e와 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003c/b\u003e 등의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대표적 절세 혜택\u003c/b\u003e 중의 하나가 바로 이 과세이연이라고 할 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_24_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjIx/MDAxNzM1NjA1MTYzNTEw.WhMrubgmefoWVopqf8qmLUO2cb-GzrxEfo_Pj1ipJDkg.15c1YUgTEsa5nF4NTemwB0nlvJe4eZjwqV334foY3vYg.PNG/11_23.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_24_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F62597f7e8e6e48f3996518325ae4fc71.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 105px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_25_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjIx/MDAxNzM1NjA1MTYzNTEx.zqCG5IwlJlSNLdQv6716pFJrnYp1GAyRvMyqfyxO3lYg.gALprUdkO-Zz1ABXD0TCLo-bwEHLLd_DudzzMudPo_Yg.PNG/11_24.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_25_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fcf25aa6827dd4e20b4ae23743f928ce9.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 203px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보험료를 납부할 때 소득공제를 받았으니, 노령연금을 받을 때 세금을 내야 한다는 게 논리적으로 맞아 보이지만, 노령연금 그게 얼마나 된다고 세금을 부과하느냐는 볼멘소리를 은퇴자분들도 적지 않는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 대부분 별다른 소득 없이 연금으로 생활하는 은퇴자를 위해, 부담을 덜기 위한 방편으로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;연금소득공제\u0026rsquo;\u003c/b\u003e를 두고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e과세 대상 연금액에 따라 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e최대 900만 원\u003c/b\u003e까지 공제\u003c/u\u003e를 해주며, 배우자와 부양가족이 없는 경우 \u003cu style\u003d\"background-color: inherit;\"\u003e본인 공제로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e150만 원\u003c/b\u003e을 공제받을 수 있는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인적 공제\u003c/b\u003e\u003c/u\u003e도 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_26_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjMx/MDAxNzM1NjA1MjA2Mzc4.CtnZvzdfQwiYV2sWxMCzo1lkVVnmvJFKJWGgQ_K5D5Ug.cmSzd3B6emTOoWmYm0rxQpiFqggu-04QEbS4o9dgQ00g.PNG/11_25.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_26_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fd078a122d7a947ffa11bd536ba4c786b.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 331px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 공제가 많다 보니 다른 소득 없이 노령연금만 받아서 생활하는 은퇴자의 세 부담은 그리 크지 않습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e예를 들어\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e 과세 대상 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득이 770만 원\u003c/b\u003e이면 \u003cu style\u003d\"background-color: inherit;\"\u003e연금소득공제로 504만 원\u003c/u\u003e을 받습니다. 여기에 \u003cu style\u003d\"background-color: inherit;\"\u003e본인 공제 150만 원\u003c/u\u003e을 빼고 남은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e116만 원이 과세표준\u003c/b\u003e이 되며, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세표준이 1,200만 원 이하일 때 적용되는 세율은 6%\u003c/b\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 산출세액은 6만 9,600원이 되지만, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e표준세액공제가 7만 원\u003c/b\u003e이 있어서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e실제로 납부할 세금은 없습니다.\u003c/b\u003e (편의상 배우자나 부양가족 없이 혼자서 살고, 노령연금 이외에 다른 소득이 없다고 가정)\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_27_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjUz/MDAxNzM1NjA1MjE4MDkz.WJW7-w30odxe3aoUDgR5-Q32TRnHnGgZF3o7JeFP-lMg.xCVQPyvL82vQxlEExS4r-PVu4yUW-JpPt3Tc6NyazFIg.PNG/11_26.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_27_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2F17da4a7537c34bbe8b402ca93fbda3f2.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 501px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_29_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjcz/MDAxNzM1NjA1MjMwOTc5.nLyz-Lt_ZqykRvHC8IdDBhTJlIVg2y4dFtyq2lribPcg.kq3u5Tq6_OoOCNTTnsCSoS-ZoH3SJ4x0145J5EizOFcg.PNG/11_28.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_29_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F702c36c1a1184df595def5072e8b822f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 177px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_29_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjcz/MDAxNzM1NjA1MjMwOTc5.nLyz-Lt_ZqykRvHC8IdDBhTJlIVg2y4dFtyq2lribPcg.kq3u5Tq6_OoOCNTTnsCSoS-ZoH3SJ4x0145J5EizOFcg.PNG/11_28.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_29_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2Ff3dab6c825a4405093412f60d9a5772f.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 212px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_30_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjYw/MDAxNzM1NjA1MjMwOTc5.oa1ouxgRXz2B-lWqBRkUnYJnNfxWgbyxCveturU_Un8g.Fs5nBcfhEjsXka1-JRnFerXUBRQFDXqjd8Z5NRfPHWcg.PNG/11_29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_30_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Ffb05661c78f445be8509df324b1587f8.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 91px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득\u003c/b\u003e은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e저율의 연금소득세\u003c/b\u003e로 과세하는데, \u003cu style\u003d\"background-color: inherit;\"\u003e나이에 따라 원천징수 세율이 달라집니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 나이가 많아질수록 세율이 낮아진다는 것이고, 55~70세 미만이면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5.5%\u003c/b\u003e, 70~80세 미만이면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e4.4%\u003c/b\u003e, 80세 이상이면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e3.3%\u003c/b\u003e로 줄어드니, 가급적 연금을 받을 때는 나중에 많이 받는 쪽으로 설계하시는 것이 절세에 도움이 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직소득\u003c/b\u003e을 연금계좌에 이체하여 연금으로 수령한다면 \u003cu style\u003d\"background-color: inherit;\"\u003e퇴직소득세의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e30%\u003c/b\u003e를 감면\u003c/u\u003e받을 수 있으며, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e10년 이상 연금으로 수령\u003c/b\u003e한다면 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e11년 차\u003c/b\u003e부터는 감면율이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e40%\u003c/b\u003e\u003c/u\u003e로 높아집니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직소득세의 감면혜택을 최대한 누리려면\u003c/b\u003e 수령기간을 길게 하여 \u003cu style\u003d\"background-color: inherit;\"\u003e10년간은 최소금액만 수령하고 11년 차에 인출 금액을 늘리는 것이 좋습니다.\u003c/u\u003e\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금으로 수령하지 않을 경우\u003c/b\u003e, 즉 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금외수령\u003c/b\u003e에 해당되고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e16.5%\u003c/b\u003e의 세율을 적용하여 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기타소득\u003c/b\u003e으로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e원천징수\u003c/b\u003e됩니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금외수령\u003c/b\u003e에 따라 기타소득으로 과세될 경우에는 \u003cu style\u003d\"background-color: inherit;\"\u003e무조건 분리과세 대상\u003c/u\u003e이므로 원천징수로 세금이 종결, 즉 종합과세 대상은 아닙니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_31_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjI2/MDAxNzM1NjA1MjYxMDU1.krxh5eCnbFcbuh7vKd5SbL7Z8xFxNsgTZ6wR2k0AiVkg.x6nxfGg1HIeohW02uEClUuhU1ta3mxQgjAtXVvtyHn0g.PNG/11_30.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_31_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2F31cef73cb3e54ffe92be11cb0cf337a5.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 552px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_32_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjgx/MDAxNzM1NjA1MjYxMDU0.ocDQDKTl2jDHiq63o50dB6-2sTvBnJA2zimCE8FjZnAg.K5EZpzhgXEyy8i8YDhu-geKu40h_zchR1zGiPU2w9t8g.PNG/11_31.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_32_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2F2cfc8faafd52423391a0bf7513c49b53.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 501px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_33_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjEg/MDAxNzM1NjA1Mjc2NzE2.C6gabkN4y3txiMPwna_9CaPFpubMZ-LeBAL6KEFg1wUg.BT93lr7blQ-jzAq7v59mEuG8LYkgDoUFt4JolNH8UMQg.PNG/11_32.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_33_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Fcec9c529dddb4ffe9dd62264db048b75.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_34_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjI2/MDAxNzM1NjA1Mjc2NzE4.a33VYf9hdKhAAqzSy2Q7ePJI7ykEu5hw_JH6X8raRDUg.bU1Ve8fxiKuXB6a0eDjpxgRWPCvFaOZPPO43woTv2REg.PNG/11_33.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_34_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F020a0cb425f94b798f402cbeea387b91.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 211px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_35_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMTQ0/MDAxNzM1NjA1Mjc2NzE1.n92MM8-JQbQ6wmct69m5LR3x4aKLZ1901RzfyGUIyw4g.WLTPMbaKVpaw-XLaoktEzQuhA84wuRVkJMeuSWEvw5Ug.PNG/11_34.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_35_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F377459ee4b444796b3dee379aa625772.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 151px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e요즘 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득에 대한 건강보험료 부과\u003c/b\u003e와 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e피부양자 등재 조건 강화\u003c/b\u003e로 은퇴를 앞둔 분들이 보험료 부담이 커질까 봐 고민을 많이 하시고 계시는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e일단, 연금소득 모두에 건강보험료를 부과하는 것은 아닙니다.\u003c/b\u003e 현재 \u003cu style\u003d\"background-color: inherit;\"\u003e건강보험료는 연금소득의 50%만 소득으로 인정\u003c/u\u003e하여 그 금액에 대해 보험료를 부과합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고, 2024년 2월부터 지역가입자의 보험료 부담을 낮추기 위해 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e재산보험료\u003c/b\u003e의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기본공제\u003c/b\u003e를 5,000만 원에서 1억 원으로 확대\u003c/u\u003e하였고, \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e자동차\u003c/b\u003e에 부과하는 건강보험료는 폐지\u003c/u\u003e하였기 때문에 부담 비용이 다소 낮아졌습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득에 대한 건강보험료 계산은?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일단 지역건강보험료 부과대상 소득으로는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e이자∙배당∙사업∙기타소득\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득\u003c/b\u003e이 있습니다. 이중 \u003cu style\u003d\"background-color: inherit;\"\u003e연금소득은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e50%\u003c/b\u003e를 반영하고, 나머지 소득은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e100%\u003c/b\u003e를 반영\u003c/u\u003e한 금액으로 계산합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_36_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMyAg/MDAxNzM1NjA1MjkyNTQz.MvqVWkX0fSO8j9VwK5ceOcTT4O4lzNr22jgwXjybAxog.1lUC54FB0Kik7dsVnwPFVfM4mEWr9I8kroesSdV2f6og.PNG/11_35.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_36_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F458c117e9bf04482bd351203ed276aac.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 349px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 현재 건강보험료는 국민연금, 공무원연금, 사립학교 교직원 연금, 군인연금, 별정우체국연금 등 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5대 공적연금소득에만 건강보험료를 부과\u003c/b\u003e하고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e아직 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직연금과 개인연금에는 건강보험료를 부과하고 있지 않으니,\u003c/b\u003e 은퇴 후 생활비의 주요 재원이 연금소득인 분들은 꼭 기억\u003c/u\u003e해 두시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_37_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNDcg/MDAxNzM1NjA1MzA0ODA1.0v2-d3OgLJcgMkW9za6uc_-4zDMbywaOJbLAGP7owF4g.bK2L9XhWFNjZ4ChOcd2UnsLFiWe982Z8KPKPui1gGfUg.PNG/11_36.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_37_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-02%2F9673960d376e46cdafa5ddb899acccf2.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 229px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e재산에 부과되는 보험료는 제외하고 노령연금(공적연금)소득만 있다고 가정해서 지역건강보험료(월)를 계산해 보겠습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_38_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjIx/MDAxNzM1NjA1MzE4MTg1.qsV28kzD79qzk1EqW2EPOv8TulkOeCLo4YHuUIxPlqkg.KDh7pQDEhKAf3L7ImATVPpruGxG2zsd4IKbQBiY9nX4g.PNG/11_37.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_38_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2Feecdfcb53f7b476ab9f7322ce42eccec.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 86px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e2024년 기준으로 연소득이 336만 원이 안 되는 지역가입자는 최저보험료에 해당하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e19,780원(월)\u003c/b\u003e을 납부\u003c/u\u003e합니다. 연금소득의 경우 50%만 소득으로 인정하기 때문에 노령연금소득이 772만 원(연)보다 적은 사람이 여기 해당합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_39_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfOTYg/MDAxNzM1NjA1MzI3NzI5.HBk50WOfIa0pJO9XskBo9igO6PGtUz20U_tVLUAz6Gkg.fdfpwwAnzA2Wma6xYHHSBYYZXD4B8mO-zE-inSZVrbgg.PNG/11_38.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_39_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F5862d07a3997493fb9769512092453e5.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 86px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약 노령연금 수령액이 772만 원보다 많은 사람은 연금소득에 보험료율(7.09%, 2024년)을 곱해서 보험료를 산출합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이성우 님이 한 해 노령연금으로 2,000만 원을 수령한다고 할 경우, 노령연금 수령액에서 50%만 소득으로 인정하기 때문에, 건강보험료는 1,000만 원에만 부과됩니다. 보험료율이 7.09%이면, 건강보험료로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연간 709,000원(59,083원(월))\u003c/b\u003e을 납부하게 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고, 건강보험료의 12.95%를 장기요양보험료로 납부해야 합니다. 이 둘을 더하면 한 달에 납부하는 보험료는 약 66,735원입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_40_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjMy/MDAxNzM1NjA1MzM3OTg3.WuE2UhjZv4LLHNYeJIqPz4K8nWg0ypUPnD2-FFHWdfEg.1Em5dsjOGCe8s6J0YQ7RsXLX2sNnvwDP9nBf2au5Qukg.PNG/11_39.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_40_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F53167ddb553949b8810729f1311a9bb3.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 190px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e제가 시작 부분에서 요즘 은퇴 예정자들은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e장수 리스크\u003c/b\u003e, 즉 \u003cu style\u003d\"background-color: inherit;\"\u003e늘어난 수명만큼 자산의 수명도 늘려야 하는 세대\u003c/u\u003e이기에 세금까지 고려한 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금 인출 전략\u003c/b\u003e이 필요하다는 말씀을 드렸는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e은퇴 후 죽을 때까지 월 300만 원, 필요할까?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e우리는 보통 은퇴 후 평생 월 300만 원 만들기와 같은 목표를 세우지만, 한 번 더 생각해 보면 막 은퇴한 시기인 60대와 80대 이후의 필요 생활비가 같을 리 없습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이는 미국 위스콘신에서 재무설계사로 일하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e타이 버니케\u003c/b\u003e의 연구결과로도 밝혀졌는데요. \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e은퇴자들의 소비\u003c/b\u003e가 매년 물가 상승률에 맞춰 늘어나는 것이 아니라 오히려 줄어든다는 것\u003c/u\u003e이죠.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e아무래도 상대적으로 젊은 시기인 60대에 막 은퇴하기도 했고, 그동안 못했던 여행이나 친목모임 등으로 많이 돌아다닐 것이기 때문에 많은 돈이 필요할 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 뒤로 갈수록 그 빈도나 횟수가 줄어들 것이라 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e앞쪽에서 많이 수령하고 뒤로 갈수록 줄어드는 구조의 연금설계\u003c/b\u003e가 더 합리적입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_41_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfMjIz/MDAxNzM1NjA1MzUxMDUz.FcTM79-QC-XDA97KhNqcr41zMqkU1J5_moDjtfUS9mQg.PmFoCL_RqtlPegkTxdI4hta9woEXUI8je1KwM2DQU-Yg.PNG/11_40.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_41_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F7b682bb114ba4244938effb7597a51d9.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 365px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금 수령 형태는 전후후박(前厚後薄)형으로 재설계\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e모든 연금의 설계\u003c/b\u003e는 죽을 때까지 매월 몇백만 원씩의 평준화된 연금 수령 형태가 아닌 \u003cu style\u003d\"background-color: inherit;\"\u003e어떤 연금은 60세부터 70세까지 얼마, 어떤 연금은 60세부터 죽을 때까지 얼마 하는 식의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e전후후박형 연금 수령 형태\u003c/b\u003e가 되도록 재설계\u003c/u\u003e하여야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금 수령 형태\u003c/b\u003e를 먼저 정한 후에, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e절세\u003c/b\u003e와 함께 고민하는 것이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e합리적인 인출전략\u003c/b\u003e이라고 할 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-10-25%2Fbd4a93dcb6a045e2a015289cce9f19a0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/setechWebBook/web_view?type\u003d3\u0026amp;menu_idx252\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2025\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-31%2F1357ed563d18444197ac277c8c494667.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e파생상품 금융소득종합과세? 종류별 다른 세금, 내가 하는 ELB∙ELS는\u0026hellip;\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/setechWebBook/web_view?type\u003d3\u0026amp;menu_idx252\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2024\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-23%2Ffa1945f5d4ad475aae6eac7ffa8b2bb7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e같은 월급, 다른 환급금\u0026hellip; 20% 토해낸다는데? 올해 연말정산 한눈에, 꿀팁도\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e- 본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e- 본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n","view_yn":"Y","content_code":"B0000686","play_cnt":142215},{"webtoon_desc":null,"thumbnail":"contents/2023-06-16/8b87fa5e2b224d16a3e42d7f03d6a582.png","keywords":";[플러스 연금 Café] 내 집을 마련해야 하는데, 퇴직연금 중도인출 가능하나요?;주택청약;주택청약 중도금;퇴직연금;퇴직연금 중도인출;퇴직급여 종류;IRP 중도인출;퇴직금 중간정산;퇴직소득세;주택 구입자금;퇴직관련 세금;","mobile_use_yn":"Y","type":3,"title":"[플러스 연금 Café] 내 집을 마련해야 하는데, 퇴직연금 중도인출 가능하나요?","show_order":9,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Jun 16, 2023 3:59:14 PM","menu_idx":220,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":1813,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e내 집을 마련해야 하는데,\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직연금 중도인출\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가능하나요?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; 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text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IHymSIJ9rhrXxgLlqJmEELEelbrM\" id\u003d\"SEDOC-1686710411840-1582823391_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fd77d5b095bf343579dd8f7d862be76e9.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp style\u003d\"text-align: center;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp style\u003d\"text-align: center;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp style\u003d\"text-align: center;\"\u003e\u003ciframe allow\u003d\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen\u003d\"\" frameborder\u003d\"0\" height\u003d\"393\" src\u003d\"https://www.youtube.com/embed/M2XKhc1DWG8\" title\u003d\"YouTube video player\" width\u003d\"700\"\u003e\u003c/iframe\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_1_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjEy/MDAxNjg2MTkwNDM0Mjg1.eXAiFEt4HTDCu4oNUFU2bzERRMkEekOS7-uIXPCAkqAg.MZ9PC-3RkG7AdRMTt0sWBrhynyhmDiWQauJ5UQYXBG0g.PNG/13_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IwlL2WNCO9ZjwSOYDEhleg-5HLoQ\" id\u003d\"SEDOC-1686710411840-1582823391_image_1_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F841db56c91c44880a2c694df8a3a4f6c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 627px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e네\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가능합니다\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사실\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan style\u003d\"background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e퇴직급여는 근로자의 노후 생활비 재원이기 때문에 중도에 함부로 찾아 쓸 수 없도록 하고 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(147, 51, 143); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e법에서 정한 사유에 해당\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하면\u003cspan style\u003d\"background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 163, 80); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직급여를\u003c/b\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 163, 80); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026nbsp;\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 163, 80); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중간정산하거나\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 163, 80); font-size: 19px; background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 163, 80); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026nbsp;\u003c/b\u003e\u003c/span\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중도인출 할 수 있도록 허용\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하고 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e단\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e퇴직급여 종류에 따라 중간정산 또는 중도인출\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e가능 여부와 조건이 다르기 때문에 꼼꼼히 살펴야 합니다\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e.\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그럼\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e퇴직급여 종류에 따라 무엇이 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다른지\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e 자세히 알아보도록 하겠습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMTIz/MDAxNjg2MTkwNTY0ODQx.2l3d-muX7NR6vaNUuv5PBdBLKSe_qIGU-HmVOS7qGnsg.kFdA67Mck4Sd9vxKjfPtYG8c4My30VvKUTUwovLzRVAg.PNG/13_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IsFNkTJNRoOtOyFx-gxlIPJyv3O0\" id\u003d\"SEDOC-1686710411840-1582823391_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Facbab7d3dba84283b4cdecba3a8f807d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 115px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e먼저\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직연금에 가입하지 않은 근로\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e자\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e부터 살펴볼까요\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e?\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e현재 근로자가\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e무주택자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e본인 명의로 주택을 구입하는 경우\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에는 퇴직금을 중간정산할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e무주택자가 주거를 목적으로 전세보증금을 부담\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해야 할 때도 중간정산할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfNjkg/MDAxNjg2MTkwNTc5MDkz.qFYXCl6UlT-eXsWfx52tel0u1bmpqN26W0K_vC_h7wQg.kDFLl2QCMb8bXa64lu9J1gU7xcyqqudjZKeZjSLjsn8g.PNG/13_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IkFFtGrtVsOZo0-UY49ONFPwhga4\" id\u003d\"SEDOC-1686710411840-1582823391_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F106ad813b83c4f08962aeaa3449f89d5.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 233px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다만\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 112, 192); background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: rgb(147, 51, 143); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e전세보증금 마련을 위한 중간정산은 한 사업장에서 한 번만 가능\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e. \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e통상 전세 계약이 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년에 한 번씩 이루어지므로 매번 중도인출을 허용한다면 노후 자금 마련이 어려워지기 때문입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e근로자 본인\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e과 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배우자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e, \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e부양가족\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 \u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e질병이나 부상으로 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e6\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e개월 이상 요양이 필요한 때\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e 그 비용을 근로자가 부담해야 하는 경우에도 중간정산을 할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e. \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, \u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e근로자는\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 112, 192); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e \u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e본인 \u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연간 임금총액의 \u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e12.5%\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e를 초과\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해서 의료비를 부담하는 경우\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에만 중간정산이 가능합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDlfMjAg/MDAxNjg2Mjk4MTY1MzAw.gM8FRxrUeYAz9ZxtKQVUCO1TfZ7N47f6J7dF7SK8cSgg.taoS_3GCbWfrAwv6FCO2iqfRPp6gld9-HQTcJw6kXF0g.PNG/13_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"InyL4voSqXEskBw-HnlpZFnINRBE\" id\u003d\"SEDOC-1686710411840-1582823391_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F10a5cdb710da470288961bdc42e5d202.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 321px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjEw/MDAxNjg2MTkwNjMxMDQ4.lvp3LI6g9TFsNwsVJXwnUqZMnL7vrmrOzzXXJ31IBYUg.epJSefnXJDVRuTQQL3hJ-OseIHEKpcTw7EVKl4OVqlwg.PNG/13_05.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IBh3tqfHh_He_Kf8TNVyK4mFaCF0\" id\u003d\"SEDOC-1686710411840-1582823391_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F105533bdbb8b4d24927866e2e19c9446.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 116px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e물론\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e, \u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가능합니다\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e.\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e퇴직연금에서는 중간정산 대신 \u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중도인출\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이라고 합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e퇴직연금은 크게 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e사용자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e(\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e회사\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e)\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가 적립금을 운용하는 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e확정급여형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e(DB\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e)\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e과 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e근로자가 자신의 퇴직급여 적립금을 운용하는 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e확정기여형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e(DC\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e)\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e으로 나눌 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMTM5/MDAxNjg2MTkwNjQ5NzQ3.w9jCAxkGhMPkpEmMb7XJzGiqbKf4bd5PPBqhYzrxIF0g.C-nWY9NjXEP65I3-zhhWfr6WaX4rEbQCswQjvf2yxbcg.PNG/13_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I7xFkoOkQYl4mdWWwJ_CZ8BLU4bY\" id\u003d\"SEDOC-1686710411840-1582823391_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F6fa5eace232747538b262f40d9b60af8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 80px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e법에서 정한 사유에 한해 퇴직연금 적립금을 중도인출\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e을 할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e. \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e중도 인출이 가능한 법정 사유는 퇴직금 중간정산이 가능한 사유와 크게 다르지 않습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e다만 \u003c/u\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e임금피크\u003c/u\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e 도입과 근로시간 단축을 사유로는 중도인출 할 수 없습니다.\u003c/u\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjY3/MDAxNjg2MTkwNjY4MTEx.qC3kkSNSqnA773d_bN5k3gi-2VVtqAOi-WdGX0OAm74g.NM4srQHC_UG7y0wgHJLP1WlEJGNQFoVa_IFivme6DNcg.PNG/13_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IduaOiXQD9wTNsgrc0X0l4UQe4xE\" id\u003d\"SEDOC-1686710411840-1582823391_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fc6e4ea1b4c844c1cb46a8a316fdc8b66.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 82px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e아예 중도인출을 할 수 없습니다\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e.\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 일부 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eDB\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e형 퇴직연금을 도입한 회사에서는 \u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eDC\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e형을 추가로 도입\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하기도 합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e. \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 \u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중도인출이 필요한 근로자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 희망하면 \u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eDB\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e형에서 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eDC\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e형으로 전환\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e할 수 있도록 하고 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMTk4/MDAxNjg2MTkwNjg0NTk2.NLpc1cbP981M1FVksYTLr2maFWOowhC4WCWkVtMKUckg.wM2d_G4lquRYLBGUK_5fL5LiTBz9iTS6Yrm0wkslL00g.PNG/13_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"ItrxSqu4UHo5qoZvLvG3yIVG4SeU\" id\u003d\"SEDOC-1686710411840-1582823391_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F47d65c3c59404f0695645d97ac077883.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 114px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjEy/MDAxNjg2MTkwNjk2NjI5.xL7K6O2jBsAq69e8GdZpaI_ykhem3L4_KsRcAN3pp90g.cH0rkuLHne0k2lyg9DduE5v08bnx6trbw87jEEXPj0Yg.PNG/13_09.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IfhxlXiQ1itbQKgQXBh2hLF6QTR0\" id\u003d\"SEDOC-1686710411840-1582823391_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fed427fef65dc428e915c90f0dbbc3060.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 280px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중도인출 사유에 해당하지 않는 경우\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에는, \u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eIRP \u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e계좌 자체를 해지\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e하여 인출해야 합니다.\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e IRP \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입자가 중도인출을 할 수 있는 사유는 앞서 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eDC\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e형 퇴직연금 적립금을 중도인출 할 수 있는 사유와 같은데요\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e. \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보기 편하게 아래 그림에 표로 정리하였으니 참고하시기 바랍니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjYw/MDAxNjg2MTkwNzE1NTkw.s27ltEEwiaIYDhycPYU_wuROHJ9Afv2qPZYPnn3D-m0g.XetEr3uelPTEMe-fGldm2KuiK_Gag86br9sOLLDWaQYg.PNG/13_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IQ2IbWpxS7q3Qu1h28IamZV-qcD0\" id\u003d\"SEDOC-1686710411840-1582823391_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F5842c8a3a3ff45f88a2da0592bf88a7f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 603px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjM3/MDAxNjg2MTkwNzMyMzI0.WhNT9KO6ZcxagCSA8iKYsLrz7RCxnIukfC-fH4B4Y_sg.zEP6XEKmzNQVhNnUMK1-NVYxH2m5WWMwGnLT0RCjhT0g.PNG/13_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"Ir8mfxC-9xjX6LpVFJt0h9hO_HXI\" id\u003d\"SEDOC-1686710411840-1582823391_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F331315406cb4443fb8013412f5ccc528.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 115px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소득세법\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e에서는\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중간정산\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e이나 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e중도인출\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e을 하는 경우\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직급여를 지급받는 날에 퇴직하는 것\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e으로 봅니다\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"color: rgb(0, 163, 80); font-size: 16px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e따라서 퇴직금을 \u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"color: rgb(0, 163, 80); font-size: 16px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e중간정산하거나\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"color: rgb(0, 163, 80); font-size: 16px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e 퇴직연금을 중도에 인출할 때는\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e퇴직소득세\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"color: rgb(147, 51, 143); font-size: 16px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e를 \u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e납부\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"color: rgb(147, 51, 143); font-size: 16px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e해야 합니다\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"color: rgb(147, 51, 143); font-size: 16px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e.\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e마찬가지로 \u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eIRP \u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e적립금\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e을 중도인출\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e할 때도 \u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소득세를 납부\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인출 사유에 따라\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e \u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세목\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e과 \u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세율\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 \u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e다르게 적용\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e되므로 꼼꼼히 살펴야 합니다\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/u\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e6\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e개월 이상 장기요양 의료비\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e, \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e개인회생 또는 파산선고\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e, \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e천재지변\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e, \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가입자의 사망과 해외이주\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e등을 이유로 적립금을 중도인출하는 때에는 인출한 금액을 \u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금소득으로 보고 낮은 세율로 과세\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인출한 금액이 가입자가 세액공제를 받고 저축한 금액\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이거나 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e운용수익\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e3.3~5.5%\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e의 세율로 과세\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직급여를 인출하는 경우에는 퇴직소득세율의 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e70%\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e에 해당하는 세율로 과세\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e. \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입자가 세액공제 받지 않고 저축한 금액을 인출할 때는 과세하지 않습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMTE1/MDAxNjg2MTkwNzUwOTE3.8_BQacEFmW2-fAxn31zUsgia0NHEk2qCP5gHnYQa_zkg.s3lftd3cmKMFVYSCPaK_ffBOwP6vqikjWIYNf1lc7JIg.PNG/13_12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I_NejOH6PEqM6aePBw_oFi_uMXRg\" id\u003d\"SEDOC-1686710411840-1582823391_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F1f3668ac133a41e39ab1fbb41b1f9c8b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 247px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjIg/MDAxNjg2MTkwNzYyMTA0.mheywh4W52Q95xm2EOu611HAfSw_X1Gf8Eg_LwKytO4g.AmGbHPg9CipoOgNHUBA-ChKWvYVwskyEyjW3lMspkzUg.PNG/13_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"Ih1GXRven-gWRx4SxkN0ehucW4oI\" id\u003d\"SEDOC-1686710411840-1582823391_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F84824f52184143abad486bf904ec93b7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 115px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e무주택자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가 \u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e본인 명의로 주택을 구입\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하거나 \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주거를 목적으로 전세보증금을 부담\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하는 경우\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e코로나\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e19\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e와 같은 사회적 재난 등을 이유\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e로 적립금을 중도인출하는 경우에는 \u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: red; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e상대적으로 세부담이 커집니다\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: red; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세액공제를 받고 저축한 부담금과 운용 수익\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은\u003c/span\u003e\u003cbr /\u003e\r\n\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기타소득으로 보고 \u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e16.5%\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(241, 47, 34); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e의 세율\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e로 과세\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e퇴직급여를 중도인출하는 경우에는\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e본래 퇴직소득세율을 그대로 적용해서 과세\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.39px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대신\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e \u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입자가 세액공제 받지 않고 저축한 금액을 인출할 때는 과세하지 않습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMTcg/MDAxNjg2MTkwNzg0ODI3.3bJSTWPAMIeGCwS9QPs8CH4AJbl8Ex60rVYVd6F6DvAg.yQNbrIDifHdGzMCuaEr3OdSjkfR_-hRvvtFH1gVVkPMg.PNG/13_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"ICnhAnRvG26BzoZAQTRuAnWyY2Cg\" id\u003d\"SEDOC-1686710411840-1582823391_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fac1516e2dbfd43038bf144a546768be2.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 380px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-left\" style\u003d\"margin: 0px auto; width: 700px; text-align: left; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686710411840-1582823391_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDhfMjI5/MDAxNjg2MTkwNzk5MzEy.zt5E-vMUrbpmxZJo8N2t8n-J6Ehmtvdt-Hnze9U33z4g.49nLWdo5DUdizS3Ys3U5PK76WQyaH0ZXxUgDE2aRiFwg.PNG/13_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d36055649\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IX9IUnTFWe71WgvIX2kUz3DfW5uA\" id\u003d\"SEDOC-1686710411840-1582823391_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F0410f5a0d3ea49bd94278f8c0281e604.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 478px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I7adNSjFgJ-EvXO86dPz3oZtnSTM\" data-src\u003d\"/webbook_img?file\u003dwebbook/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/webbook_img?file\u003dwebbook/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1686184492856-185059624_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA2MDFfMSAg/MDAxNjg1NjA3NTI4ODQ4.qRoFTGvfLthorL6y7vsH888_jrN0MbwlUjZevx78po8g.B9FD44qeIBqd6ibn_05g-adPYyNxNHNs9SkW7CtXFq4g.PNG/12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/cafeWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1809\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"Iibi3R7r_OUo4FJVps0HQ3uvey6c\" id\u003d\"SEDOC-1686184492856-185059624_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F74b1d72b50604279955555a09bc25c36.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e성과급도 연금으로 절세할 수 있다고요? 그럼 얼마나?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685514584251--591363297_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA1MjVfMjgw/MDAxNjg0OTkyMDM3Njg0.v8LUxUbrwsnRgrx_XEhI71dLKxL3gel0he-GBoWfxTIg.zwFF6OBfvWhHMe1_YyrdNN34GLZTjvdf0cFHSBAns9wg.PNG/11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/cafeWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1803\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IoVsKr0oZE9rvInMm9D23iagI6Wk\" id\u003d\"SEDOC-1685514584251--591363297_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F75b51e53b25f44fcbd46749171acf366.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e임금피크로 급여가 줄면, 퇴직금은 어떻게 될까?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IGMQq3xY-xjGD07HkKhqRkf0mjy8\" id\u003d\"SEDOC-1679286121129-1798389996_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fffbf2fe8e2854e939f3516e418cd363c.jpg\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003ciframe allow\u003d\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen\u003d\"\" frameborder\u003d\"0\" height\u003d\"393\" src\u003d\"https://www.youtube.com/embed/MjYr09qejY4\" title\u003d\"YouTube video player\" width\u003d\"700\"\u003e\u003c/iframe\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 60.77px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); 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: \u0026quot;SEDOC-1682575529917--944183476_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MjRfMTk5/MDAxNjgyMzAyMzg2MjU2.TXMrz-GctilnF50oErJhS3AVSm9l_knWju82EctZXTAg.gSOzAu0EFn1Yg0WUo8wigC_iqk3RVCi1BDQ4yzwitjkg.JPEG/bottom_%EC%88%98%EC%A0%95.jpg\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35831328\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IVVQfu3QCRf3L8PNxp1jrqtHvYM4\" id\u003d\"SEDOC-1682575529917--944183476_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F12f36fd642f74cd5943de3b8ee2bfc42.jpg\" style\u003d\"border: 0px currentcolor; width: 700px; height: 214px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n","view_yn":"Y","content_code":"B0000601","play_cnt":221610},{"webtoon_desc":null,"thumbnail":"contents/2025-01-03/95ecbda3186f4631bda8404845ab100f.png","keywords":";모두가 만들라는 ISA!? 비과세 외 분리과세∙손익통산과 연말정산 활용까지;ISA;ISA손익통산;ISA분리과세;ISA의무가입기간;ISA납입한도;ISA절세방법;ISA재가입;ISA세액공제;세테크;연말정산;ISA연말정산;","mobile_use_yn":"Y","type":3,"title":"[투자\u0026세테크 Knowhow] 모두가 만들라는 ISA!? 비과세 외 분리과세∙손익통산과 연말정산 활용까지","show_order":11,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Dec 5, 2024 10:28:42 AM","menu_idx":252,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":2022,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 26px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e모두가 만들라는 ISA!?\u003cbr /\u003e\r\n비과세 외 분리과세∙손익통산과\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 26px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연말정산 활용까지\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; 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text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1729059779994--2102314503_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA5MjNfMjQx/MDAxNzI3MDUwMzQ5NDY5.tHCV18OkNWkMHHOaQJXJ3USGOUL8UwdV-ocJABnqLT8g.vvXXWzviG2768yL_d1q4ho02Wb1u0fk0zrHY3OdoVa8g.PNG/01_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39203553\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1729059779994--2102314503_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-08%2Ff703496eaad944fd88b6d71ae539c5c1.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 171px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-justify\" style\u003d\"margin: 0px auto; width: 700px; text-align: justify; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"position: relative;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_1_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTE3/MDAxNzMzMjkwMzc3ODI2.MrRs79Uj5d_MDK5dXANwvHWpWPM-wQzErP9DQqtGhcQg.m2xx-mGuXWo2FxRPfIG7___IKL1ZLDcfYr7-w7SKfi4g.PNG/top.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_1_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-03%2F1837a4dac4c24cf68d5c2a13bdeb96d6.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 467px; vertical-align: top;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjk5/MDAxNzMzMjkwMzg5MDY5.w3cBY1KFnHnLjrAO2OwhrJntXBrExT5WQdFKdAK-sm8g.8od9z9eszaEnlkT_aMq3zrCv-kn5IVDGeML9kerBuxgg.PNG/08_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F00a703dafac94bd18e68968d8dcba760.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 259px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그런데 사실 비과세 금액이 그리 크지는 않고, 의무가입기간이 3년이나 되니 돈도 묶이는 것 같고\u0026hellip; ISA, 꼭 가입해야 할까요?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMSAg/MDAxNzMzMjkwMzk5Nzc0.7CHBupLs3c2um9PL6WQuyjVc5ZkV1idqttMLT-DqgQgg.ouhPxvdjLAvg8gkzCg6ORvDIzvQH9x0yz76Wv0W-AH8g.PNG/08_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fe16e2b6fd4064fe9a244e2322e3b8e95.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 147px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e2016년, 전 국민의 재산 형성을 지원하기 위해 도입된 ISA(Individual Savings Account, 개인종합자산관리계좌)는 만능통장이라고도 불리며 많은 사람들의 뜨거운 관심을 받고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e금융투자협회에 따르면 도입된 지 10년도 안 된 \u003cu style\u003d\"background-color: inherit;\"\u003e2024년 8월에 가입자 수가 564만 6,000명, 전체가입금액은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e30조 2,722억 원\u003c/b\u003e\u003c/u\u003e을 돌파했다고 합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 큰 인기를 끌고 있는 ISA는 다양한 절세 혜택을 제공하고 있지만, 의무가입기간 때문에 가입을 망설이시거나 가입만 해두고 제대로 활용하지 못하시는 분들이 적지 않습니다.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTA5/MDAxNzMzMjkwNDE1NDAw.zlzt6JO346DE61WRJI9CSNxf6BEQtLcU-XwZNFuT4uYg.XqGw-OGIaEAcTXWe5btuSdHJ5LZAj1a7IX-43v4ujbYg.PNG/08_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F2a13a2425b2e46b5955e47a878932d6c.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMzAw/MDAxNzMzMjkwODEyMTQw.ZKDngq8up66LCQcqBUsKZkuSK3XYKdT2g3KqoPIGNtwg.Kp7uwb8c0l1Yd7Icolf4gkuW8FX568SXGY8PIRtIvwUg.PNG/08_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F78701811bfce4b82b4b8a07b7e89de8d.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 874px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjIw/MDAxNzMzMjkwNDE1NDI1.EOZ8ZhWKQMjChzgo9I8zJE2lFMFIxkkbLrPMp6ijyCQg.8erMUGykgfm3qbSRbNcyn7kRqSxmUdGVdtBMDwPBzM4g.PNG/08_05.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fbfc9c55877a344a19908c02eb64cd6d2.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 203px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그 이유에 대해서 지금부터 자세히 알아보도록 하겠습니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTgg/MDAxNzMzMjkwNDM2OTU4.7R3kZ5CZQZ5MA2nhe5LIO-zkaez7PESuPkjO5Mu5nl0g.ltOGb1MNFc62CxC444L8l0EJWbkj8b1Dn339Cy5lV4Ag.PNG/08_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Ffec1c4fa80b34cb3888b3126d83355c8.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfNzgg/MDAxNzMzMjkwNDQ1ODUw.HU6ZBjjQUJiUh79dsq089hcmetVBGooz_LaWDYYJj-8g.966eFcDNbmvlAbTSYpgx8LTKeGmonmF-X0QxU7dNzNEg.PNG/08_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F166ebf09ff73442aa80879d0f179b9a7.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 149px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 276.05px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대표적인 비과세 상품으로 자리 잡은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 계좌의 만기가 되어 해지할 때 누적으로 발생한\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e순이익\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e대해\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e일반형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003csup\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e*\u003c/b\u003e\u003c/sup\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e인 경우\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e200\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만 원\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e서민형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e∙\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e농어민형\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003csup\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e**\u003c/b\u003e\u003c/sup\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e400\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만 원\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e까지 비과세가 적용됩니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e*\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e일반형\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e:\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e직전 연도\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e총급여\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e5,000\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e만 원 초과\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e종합소득이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e3,800\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e만 원 초과\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e**\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e서민형∙농어민형\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e:\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e가입 직전 연도\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e총급여\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e5,000\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e만 원 이하이거나 종합소득금액이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e3,800\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e만 원 이하\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e농어민형은 종합소득\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e3,800\u003c/span\u003e\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e만 원 이하\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 비과세 외에도 다양한 혜택이 있는데\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그 중 대표적인 것으로는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e손익통산\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e으로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e순이익\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에 대해서만 세금\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e을 납부하고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분리과세\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e로 인해\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득종합과세 대비\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e까지 가능하다는 것입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTY1/MDAxNzMzMjkwNDY1NTIx.gEslhdn9iPrwJSBo7u_TbY5ug1cw3_RGoPWB_MNLNKMg.vhlvW3_lrzG1vgcgjW2MHS0DqbO1HohBy1rzuy43dMIg.PNG/08_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F88a63f6f713c4f099ce417189842f940.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 777px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjk5/MDAxNzMzMjkwNDY1NTI2.o2UptiW0YKyPVZFXC41n1dX8xF9IS8KAX5qVML55TrQg.P7h-gQlD3Rd7TpwSRF_EmVzlUC4lYP6NeazsPD4QfZUg.PNG/08_09.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F863f162cfa164e3d9c0ec529086ac514.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 90px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 303.83px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e손익통산\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e현명한 투자자라면\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e에 주목해야 할 이유\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예∙적금\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e주식\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e채권\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e펀드\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, ETF, ELB, ELS,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e리츠 등\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다양한 금융상품을\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e하나의 계좌에 담아 투자\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e할 수 있으며\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이익과 손실을\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e통산\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e현재 세법상\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e일반계좌\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에서 투자할 경우 이익과 손실이 발생하면 손실은 인정하지 않고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이익에 대해서만 과세\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e했기 때문에\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e실제 투자손실임에도 불구하고 세금을 납부하는 경우가 발생할 수도 있는데요\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에서는 한 계좌에서 여러 금융상품에 투자가 가능하고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e혹시 일부 투자손실이 생겼더라도 다른 투자수익과 상계해\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e순이익에 대해서만 과세\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 되기 때문에\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e세 부담을 줄일 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjc3/MDAxNzMzMjkwNDgzMDgx.DFUDsyhKqIaf8xUuS5yZEAoytkCEQfCItOenSgYKdEcg.oDXIa06yP1vWN5sA18auMPwu2cnrDmFe_5wU3RlPQ_cg.PNG/08_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F229643f50be6477a97ed21607c0b7331.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 460px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 243.06px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식투자도 이제는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 중개형\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에 투자해\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e최종 이익이 발생한 경우\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e다른 금융상품의 투자손익에는 합산되지 않지만\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만일 국내주식에서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e최종 투자손실이 발생한 경우\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e다른 금융상품의 투자이익과\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e상계되므로\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e절세에 큰 도움이 될 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 국내 상장주식 매매에서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e100\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원의 손실을 봤고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해외\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eETF\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e매매에서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e200\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원의 수익을 올렸다면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e손익을 통산하고 남은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e100\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원만 과세대상 소득으로 봅니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTQ5/MDAxNzMzMjkwNDk2NTM1.vWSxrjRrPSkOJbuNIet8Hpmv9dITnR6Xzn1t-B36Zq4g.j6ZXlwJQVaoT36cVQ49n0Eulhqy5L7kq7wRL_thlRfgg.PNG/08_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Feb5d5afab89b42968e0c9731ffa2ae1c.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 206px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTcx/MDAxNzMzMjkwNDk2NTM1.obkvk7iVym4cSQRJY-2kiVkcnID9MURHvB6AP8TpWp8g.4hUnboTnxwaceOTiVggC4at0xCovLh1YnZCIshGaBKMg.PNG/08_12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F3d5775cd9b8c4d739cf2c67806692a16.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 228px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjM5/MDAxNzMzMjkwNTE3MzYw.q0v2rg0zvbezZN_y7-7-92Evl4g-GAYtF-ffBTM96mgg.Jj8ayqmeEgz2RDM60FqnvxaVmLMUU1Up9QCFWJar0-wg.PNG/08_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fb6cae14ee6db4d8195c227d1953002cb.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 203px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjcy/MDAxNzMzMjkwNTE3MzYx.1nSWB1Gpze7upYcnMm2a3ymUsl7PWxPmqy64N0_yB8gg.zfR1GZVvmZhwQe4M0vkXICNq8mWqZ2nMzxB3-ZEP430g.PNG/08_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Ffedc75e36afe4c1a830f9295b41a75b8.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 205px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 151.91px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사실 투자금액이 일정금액 이상 되는 투자자에게는 순이익에 대한 비과세 금액이 그리 크지 않을 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 초과금액에 대한\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e15.4%\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보다 낮은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e9.9%\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e의 세율\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e의\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분리과세\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e로 세금이 종결되므로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e금융소득종합과세를 대비해야 하는 투자자에게는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 절세에 큰 도움이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e될 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMzcg/MDAxNzMzMjkwNTM1NTEx.plIlIF_x1OD-SdxNzIb9jk002CmQeyhwaQiGZ3v57Gcg.VtsKcIDucKMvVg1iyeBMM6GIg76mur8Onx7gi331jzkg.PNG/08_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fa64f31b90c124393b0974ac5253eaf8d.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 229px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTky/MDAxNzMzMjkwNTM1NTEw.6uW2FvACZki5ZUZgZcLbGHOWPYBJOOQN_8ow3OTyzg0g.6VbxNGhDy5_4AlaGUrGurRjRU6JPITVm9u7yaTC59vkg.PNG/08_16.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fbef84a51404e4e1086b253117c0e6401.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 89px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTkw/MDAxNzMzMjkwNTM1NTMz.Os8tURFv0xvEYATa9EXZuKz8fbjAwTmc5u7Q8cO5TXgg.1btNoJn6sJ3cgPWQ97QP2dQ8cjbv8bTN9Q-lcSuYPn4g.PNG/08_17.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F117f12bfa417470f878e586feffedaf7.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 195px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjA4/MDAxNzMzMjkwNTM1NTMz.cDgQQaOyx86M5RwOJ71CSD0LKL3vli3p1GMjmq5VT7sg.H48IMJXHbRPy3WU2nPOd1-x0yFgYmR9BkQ3C52DWq5Eg.PNG/08_18.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fd71df5ca9a5742279036e0342fbedb44.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 577.28px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만기 이전이더라도\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인출횟수 제한 없이 납입원금 이내의 금액이라면 얼마든지 인출이 가능\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단 인출한 금액만큼 입금한도가 다시 생성되지는 않습니다\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/u\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 동안\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e4,000\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원을 납입하고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2,000\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원의 이익이 발생한 상황에서\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e최대\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e4,000\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e납입금액\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e을 인출하더라도 해당\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 유지가 된다는 것입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e의무가입기간이 지나기 전에 중도해지를 해야 한다면\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e법령에서 정한 부득이한 사유에 해당\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하는지 먼저 살펴야 합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e①\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사망하거나 해외이주\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e②\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e천재지변\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e③\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e퇴직\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, ④\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사업장의 폐업\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, ⑤3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e개월 이상의 입원 치료 또는 요양을 해야 하는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e상해∙질병\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e등 법령에 정한 부득이한 사유에 해당하면 비과세와 분리과세 혜택을 받을 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이외의 경우에는 비과세 또는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e감면받은\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e세금이 모두 추징됩니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에 담아서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e투자하는 금융상품의 만기\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e도 살펴야 합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e적립금은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e정기 예금과 적금\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e, ELS\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e등\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에 투자할 수 있는데\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 금융상품들은 만기가 정해져 있고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만기가 되기 전 중도해지를 하면\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e약정한 금리를 못 받을 수도 있기 때문\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjI0/MDAxNzMzMjkwNTYyOTkx.pLeUb2k21pxERiEvwDA0XYbaR0Pf4CZVyCDkN9VgOV4g.r0fEsYfSEIbjsHxzGpKK6D7w7RvSuv77-z_e80bfBVQg.PNG/08_19.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F4f54212fd4e7448a9377da6d74f7d443.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTc0/MDAxNzMzMjkwNTYyOTkx.1DTDJNR8S_mXs-eJBU1QRxd2SNFpn3h3n_fNFZ3bf2Eg.aWeg6_NjH2ATRIWeUyZdtZ8Wi1IWxXGF3GaoD67HOWYg.PNG/08_20.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F5646e2d2bdb64901b8c1aefe917fe0e9.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 148px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 334.21px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연간\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2,000\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만 원\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e씩 납입할 수 있고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년 동안 최대\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e억 원\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e까지 납입이 가능합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e올해 여유가 없어서 전혀 납입하지 못한다면\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e전혀 걱정하실 필요 없습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e연간 납입한도는 이월되어 누적되므로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e1\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e차 연도에 납입을 하지 않으면\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e차 연도에는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e4\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e천만 원까지 납입이 가능합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e예를 들어\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e가입 첫해\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e500\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원을 납입했다면 둘째 해에는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3,500\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원까지 저축할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입 이후\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e4\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 차까지 납입을 거의 하지 않았다면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e5\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 차엔\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e1\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e억 원을 한꺼번에 납부할 수도 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 본인의 상황에 맞게 해마다 투자금액을 탄력적으로 조정할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTc3/MDAxNzMzMjkwNTg2NDcz.EEaeeDGUJ8pPlafsnJZL7ofJh0A92sQfjOmeUZDuMYAg.exrKID9sw7_pSoNfpNMrOW18SlsYR2nwacBflnaENEAg.PNG/08_21.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F3fcfb3b4542e4a0c9aec2d45b9c9f76a.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 210px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_23_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfNyAg/MDAxNzMzMjkwNTg2NDcz.l_haEbrrB4hI2NkBJ0V7WDjEnXWZI29fn_rVQmWctMIg.K3SsX2Z9GGZQvdaNsW2-XFy3sP4Jq5Ydi6T278rdWvkg.PNG/08_22.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_23_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F038aa757caf54a53a77c1110f5e92fa0.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 207px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_24_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfNCAg/MDAxNzMzMjkwNTg2NDc4.SNcjj_w-mjpXzFYJd63juEJ7zwWqzIBi1ZyncBrNV1Yg.yO-BXbHO8LbDrlKeJJpxBAND_4aTwsbMhIOt_N44R-0g.PNG/08_23.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_24_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F1c38ca1b222e435190bfb253a9b1bfcc.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 552px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_25_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfNDUg/MDAxNzMzMjkwNjA1NTkx.LdRHPUSKZL1v2HlUgnmsRBWKlVQoaERWw1x5T0TnNXIg.cHzmr6-mGv8mn4Zu2Izbl6VL58R8bFKX0h5ULzmIcRQg.PNG/08_24.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_25_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F1bba8069a4564e2f963242bd0f721811.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 90px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 334.21px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e비과세 혜택\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은 평생 한 번만 받는 개념이 아닙니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e의무가입기간\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 지키면 세제혜택을\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e적용받을\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 금융소득종합과세 대상자만 아니라면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e, 3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 단위로 해지하고 재가입하여 매번 비과세를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e적용받을\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e수 있다는 것입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기 금액을 연금계좌로 이체\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이체한 금액의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e10%(\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e최대\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e300\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e까지 추가로 세액공제\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 가능하므로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e연말정산 혜택\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e을 받을 수 있고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e노후자금을 증가\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e시킬 수 있는 효과 또한 누릴 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e계좌 만기일로부터\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e60\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일 이내에 연금계좌에 불입해야 한다는 점은 주의하시기 바랍니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_26_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfNDcg/MDAxNzMzMjkwNjE3NDU1.YYF3wX7YFUix54s2kSDD3O1l0IjHrtA-4wm3EWtcgHUg._tIoT1XOgUj2rapWjWRuURtrfGdDjZ21XLgPScUtSlAg.PNG/08_25.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_26_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fbdc7e4a188d54e478962a867e135e679.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 414px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 151.91px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이런 식으로 반복 활용하면\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년마다\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e300\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원의 추가적인 세제혜택을 확보할 뿐만 아니라 만기 된 금액은 일반적인 금융세제에 노출되지 않을 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 연금계좌로 이체한 자금을 추후 연금으로 받을 때\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e저율의 연금소득세\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(5.3~3.3%,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e지방소득세 포함\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e를 부담하고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e노후자금도 마련할 수 있으므로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e1\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e석\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e조의 효과를 누릴 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_27_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTIx/MDAxNzMzMjkwNjMyMjk1.kTZd87NZRnOql9iKyr3w7z3iRmrJaTt6ZiMzHZiApDkg.tTtEWusImE2IIgov8R0HF4mkGPWIYSRLnbU0-fuhZD0g.PNG/08_26.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_27_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F5afb313be69d4f7ebc47ff408f1a2d42.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_28_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfNzEg/MDAxNzMzMjkwNjMyMjg2.0qRkasASOOzZspfur65YjtGsufr8xzJqNFuNq9Mtrqsg.g18X3rZrUdL15WKBUc18SmrwVLbtJntXxK4nccpjj5Qg.PNG/08_27.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_28_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F51508d4e2a48452cb05c616c8e14a2a1.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 197px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 151.91px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 경우 이체금액의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e10%\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e500\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원이지만\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e300\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e원까지만\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e세액공제를 받을 수 있고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입자의 소득이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e4,500\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원이기 때문에 세액공제율은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e16.5%\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 적용\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입자의 근로소득이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e5,500\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원 초과인 경우\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e13.2%)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e됩니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e따라서 해당 근로자는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e연말정산 때\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e49\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e천 원\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e의 세금을\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e환급\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e받을\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_29_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjUz/MDAxNzMzMjkwNjUyMjE5.iOo8S4ei-lPrhKBbAQNsJ0it9Iq29sb2UWN3DAXIX-og.iJbQ1g3ew2QgVMbVcEtFjaFgzZZvTMT3w2SYHU5uzRgg.PNG/08_28.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_29_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fb12b1ebdeff14afb8a512c3d5f0159c5.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 94px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 91.15px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e말씀드렸듯이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 하나의 계좌에서 다양한 금융상품을 편리하게 투자할 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e특히 중개형\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 신탁형\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e일임형에서 할 수 없었던 국내 상장주식과 채권에도 투자가 가능합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_30_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMzEg/MDAxNzMzMjkwNjYyOTQx.Sy8rea_3JEwMgyZkUYNNDFpkTRTKFdIKUAPbfokmZhog.jmoOkvuDUiBDrY6lUytLHCw9RXt54URDpJaXzeZ3PKgg.PNG/08_29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_30_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F1ae6cdad38c3468bad0f8986cebd7523.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 300px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 151.91px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 한도 내에서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e배당∙이자소득세\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(15.4%)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 비과세되며\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e초과 이익금에 대해서도 저율의 분리과세\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(9.9%)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e적용받습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그러므로 고수익의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e배당∙이자소득이\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e발생할 것으로 기대되는 상품을 운용하는 것이 합리적이며\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e고배당 주식\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이나\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eETF\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외투자\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eETF\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e리츠\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e인프라펀드\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e채권\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e과 같은 상품들이 좋은 예시가 됩니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_31_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjIg/MDAxNzMzMjkwNjgwNjY2.Dwk5XcUX7WowutYQw4JifM0251IEkUJpVwXlvrrYeM0g._C7UBmv1yzbEv2fA875AatzOteP-BaWscvjqv0sINucg.PNG/08_30.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_31_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F4c8619fda64249b89f0d67e71602111b.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 415px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_32_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjA4/MDAxNzMzMjkwNjkzODQ2.LQam84sMjgWAZU5XUolWwuINsucgqWmzMU1jGVKFrWIg.f5NDsPIGI7pNPRRpmGHjRZEggCXxouVqhCT6s58KD3Mg.PNG/08_31.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_32_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F98d69c9914e64622be58a913208e9ca3.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_33_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjkx/MDAxNzMzMjkwNjkzODU5.GiZbfInMkkWuT7A3gZ-orP8Is2Ojm1Bl0jvGAcPXsX4g.gRQLsCVIL2LRkYLjpdPB59oDj02WQvq3iQQSNrBdBHwg.PNG/08_32.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_33_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F301f94a58b444c6880fcfc24c91b5972.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 212px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_34_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjg1/MDAxNzMzMjkwNjkzODYw.o7HYJ2RvyY7og7tI6jbyBjF0FXQjFJRlUgoc3wiPpP8g.Ld9EJRHfSC6tyauk8zxU-FzSJwP_mHOdIJ4zDPKBGNEg.PNG/08_33.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_34_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F18f6fcf332664357a058b68624116a05.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 151.91px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e세제혜택을 받기 위한 의무가입기간이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이라고 하니 계좌의 계약기간을\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년으로 해야 한다고 생각하는 경우들이 많습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년을 보유해야 한다는 것은 만기를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년으로 해야 한다는 의미가 아니라\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년으로 해도\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e3\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년만 계좌를 유지하고 해지한다면 세제혜택\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e을 받을 수 있다는 뜻입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_35_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjM0/MDAxNzMzMjkwNzExNjM1.SdbZwW5gh2CIYEjthGmSR3-ke_lRY_kkT1B_CMOdVSgg.6zmtZi216qgcNB-d4_pHBKBqDD9e7rS0GlHzhksZ4CEg.PNG/08_34.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_35_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F9e58b86ae7274914a234d7a76d808a29.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 214px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 243.06px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2024\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e12\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e월에 가입\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하면서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e3\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(27\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e12\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e월\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e으로 설정\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e했는데\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2026\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년에 금융소득종합과세자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 됐다면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기 시\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에 만기연장과 신규가입이 모두 불가능\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e개년 중 금융소득 종합과세 대상자는 가입 불가\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e10\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(34\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e12\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e월\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e으로 설정\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e했을 경우\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2026\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e년 금융소득종합과세자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가 됐어도\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년이 지난 후\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(30\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e부터\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해지와 신규가입이 가능\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e합니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그러므로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e의\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만기는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e3\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 이상으로 해서 투자자 본인의 상황에 맞게 활용하는 것이 좋습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_36_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjEz/MDAxNzMzMjkwNzI1NTk5.oNOQBYEsELBGuPYeRlzpq9HY-aVoAHEeMERdVsyszT4g.-BpUOUqr4kHhagKGwWiMT3fisopX79VJnLvGlDNqo1gg.PNG/08_35.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_36_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F676ef38f74a84619ac73b8b73ee0d1f4.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 364.6px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기 금액을 연금계좌로 이체\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하면\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이체한 금액의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e10%(\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e최대\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e300\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e까지 추가로 세액공제\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e즉 추가로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e연말정산 혜택\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e을 받을 수 있으며\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이외에도\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e부수적인 혜택으로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가지가 더 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세이연\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e효과\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세금으로 재투자 가능\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만기 금액을 일반 금융상품에 넣어둘 경우\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해당 금융상품에서 발생한 이자와 배당에\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e15.4%\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e의 세율로 소득세가 부과됩니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에서는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e운용수익이 발생하더라도 이를 연금으로 수령 전까지 과세하지 않습니다\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/u\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세이연\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e효과\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e라고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하는데\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e내야 할 세금으로 재투자\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e를 할 수 있어\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e노후자금을 증가시킬 수 있는 효과\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e를 누릴 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_37_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMTIz/MDAxNzMzMjkwNzM5NTY3.JGSyUOpDfjvMCmJ34ry2QAee2YFm9XvWExybbF1SHzkg.i6S0s-iEu1dU4MfHteEI-v4LLmNP3pqE84AVWj3qKc8g.PNG/08_36.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_37_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2Fd5ee6ebba4cf4671add523c983f2205f.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 225px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 273.45px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e지역건강보험 가입자라면\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e건강보험료 절감도 가능\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은퇴하신 분들에게 근래에 이슈가 되고 있는 게\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e건보료\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e지역건강보험 가입자는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e재산뿐만\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e아니라 소득에도 보험료가 부과되며\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e금융소득\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이자와 배당소득\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 한 해\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e1,000\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원이 넘는 경우 해당 금융소득 전체에\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e건보료가\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e부과됩니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 연금저축과\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eIRP\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에서 발생한 연금소득에는 아직\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e건보료를\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e부과하지 않으므로\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은퇴자분들의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e건보료\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e부담을 줄일 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_38_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjc5/MDAxNzMzMjkwNzU1MTI3.6ibe0uD01mgaPFS3RoitFtJBuokSocrG7FmoR8vcjBcg.3DyTqrmViGucjgkBbYni54jd-m7kiCeQF9s3ZCjDQ9sg.PNG/08_37.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_38_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F4661e4332976430c8db7378b42388533.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 214px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 303.83px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e소득이 없는 상태의 자녀나 배우자의 명의로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에 가입할 경우\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026#39;\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e증여세 공여 한도\u0026#39;\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e내라면 큰 문제는 없습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e성인 자녀\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에게는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e10\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 단위로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e5,000\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원씩 증여\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하더라도 증여세를 부과하지 않고\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배우자\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e에게는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e10\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e년 단위로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e6\u003c/span\u003e\u003c/u\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e억 원\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e까지 증여세 부담 없이 증여할 수 있기 때문입니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 소득이 없으므로 투자이익의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e400\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만 원까지 비과세 혜택을 받을 수 있으므로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e의 활용도를 더 높일 수 있습니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e마지막으로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eISA\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입자격과 납입한도 등을 아래의 자료로 정리\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하였으니\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e가입 전 참고하시기 바랍니다\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1733357049544--1440247073_image_39_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMDRfMjk5/MDAxNzMzMjkwODAzMTM2.yoAha0kQcvzPN3NmC2t27vb3E9DAQE4gLobisuPGxl0g.62eZd0RmCw7j8hILW__SujyrKARmjlipoa4hDAzc1Vcg.PNG/08_38.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d41746172\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1733357049544--1440247073_image_39_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-12-05%2F0972fd2491cf4fabbb1fda03652621ff.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 331px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-10-25%2Fbd4a93dcb6a045e2a015289cce9f19a0.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; 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border-image: none; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e개인에게 주목받는 채권 투자! 세금을 활용해 수익 올리는 방법은?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/setechWebBook/web_view?type\u003d3\u0026amp;menu_idx252\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2019\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-03%2F62c5292423b043dcbe303373230d3519.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e손해 봤는데 세금이? 펀드∙ETF\u0026hellip; 어떻게 과세되길래?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 60.77px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n","view_yn":"Y","content_code":"B0000682","play_cnt":113183},{"webtoon_desc":null,"thumbnail":"contents/2024-05-09/731f647b10a54b7e8b4b9b12813531d2.png","keywords":";[1:1 자산관리법] 은퇴자금 어떻게 모으지? 회사 생활도 바쁜데... TDF, TIF, TRF;TDF;TIF;TRF;은퇴전용상품;디폴트옵션;원리금보장상품;은퇴자금;DC형 퇴직연금;원금비보장형상품;IRP;","mobile_use_yn":"Y","type":3,"title":"[1:1 자산관리법] 은퇴자금 어떻게 모으지? 회사 생활도 바쁜데... TDF, TIF, TRF","show_order":12,"star_cnt":18,"play_time":null,"webtoon_subtitle":null,"reg_date":"May 9, 2024 9:55:51 AM","menu_idx":239,"video_pc_cdn":null,"belongs":0,"star_avg":4.972222222222222,"video_mobile_cdn":null,"idx":1969,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e은퇴자금 어떻게 모으지?\u003cbr /\u003e\r\n회사 생활도 바쁜데...\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF, TIF, TRF\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 29.6px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 0px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDhfMTk3/MDAxNzE1MTI2Nzc2ODkw.fxo-XcLdIUNIE0sGdyVFJ5q2HHRXDgmI4IliBReDwRAg.KppfZMKcttU8VK-24gz6anXYZsQBY7lWYaV36pPsNMsg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F0b843458343141328b4879fd2e01c5c9.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_1_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjUw/MDAxNzE1MDU4Mjg3ODE1.4pyeSMjLefEuq0pAEmTkKJMBdpNluNXx-rF6pZotDssg.Rq4v6jdSL858O-XpucEBa8rqNM6xNBeWuLHg4UuU6dUg.PNG/20_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_1_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F565712d6994b40f198c2884bbd4f759d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 313px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그런데 며칠 전 금융회사에서 디폴트 옵션 상품을 선정해야 한다고 연락이 왔습니다. 디폴트 옵션이란 것도 잘 모르는데, 상품까지 골라야 한다고 하니 당황스럽습니다. 설명서를 보니 TDF란 상품이 알아서 다 해준다는데, 어떨까요?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IN2KKuS1vv8kk4vW_zZjsyaewDVo\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e우리나라의 퇴직연금 제도는 2005년 12월부터 시작되었는데, 제도 시행 이래 지속적으로 문제시되었던 점이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e적립금의 방치\u003c/b\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eDB형(확정급여형)이야 법인이 운용하는 것이니 방치될 일이 없겠지만, 개인이 퇴직급여를 직접 운용하는 DC형(확정기여형), IRP(개인형퇴직연금)의 경우에는 본인의 퇴직금임에도 불구하고 현금성 예금이나 원리금 보장 상품으로 방치되는 경우가 많습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e물론 적립금 운용에 대한 경험이 별로 없거나, 바쁜 직장인들로서는 신경을 못 썼을 수도 있습니다. 게다가 투자를 해야 한다면, 원금손실에 대한 두려움도 있을 수 있겠지요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e사실 이 부분은 우리나라만의 문제는 아닙니다.\u003c/b\u003e 미국, 호주 등 먼저 퇴직연금 제도를 시작했던 국가들도 이 문제를 해소하기 위해 고민이 많았습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그래서 고안해 낸 것이 \u0026lsquo;디폴트 옵션\u0026rsquo;입니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e디폴트 옵션이란 DC형 퇴직연금과 IRP 가입자가 적립금 운용 방법을 정하지 않고 방치할 때를 대비하기 위해, 가입자가 사전에 운용 방법을 지정해 두는 제도입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e즉 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e만기가 도래한 적립금 운용을 지시하지 않고 방치하면\u003c/b\u003e \u003cu style\u003d\"background-color: inherit;\"\u003e현금성 자산으로 남아서 거의 수익을 내지 못하는데, 이 같은 상황을 방지하기 위해 미리 운용 방법을 정해두는 것\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e디폴트 옵션을 관련 법에서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;사전지정운용제도\u0026rsquo;\u003c/b\u003e라고 하며, 2022년 7월 도입됐고 1년의 유예기간을 거쳐 2023년 7월에 시행됐습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTg0/MDAxNzE1MDU4MzEyNzgz.-iQa0iiuW6fSbIXFz6uLgT8KxUqW-h02l0D8X7lACC0g.nAbCZNCKcXp4NA3OkZoPujGStKo3jZ9KgxYURlRPQ2cg.PNG/20_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-09%2F516577dc8fdd47188676ec7e66bfca64.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 254px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e가입자별 디폴트 옵션 적용 절차는 신규 가입자와 기존 가입자가 조금 다릅니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(164, 98, 6); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e신규 가입자\u003c/b\u003e\u003c/span\u003e \u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e는 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2주간\u003c/b\u003e 적립금을 어떻게 운용할지 정하지 않으면, 적립금을 미리 정한 디폴트 옵션 상품으로 운용\u003c/u\u003e하게 됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfNjEg/MDAxNzE1MDU4MzI2MTkw.VtrD8WMWeZzGZi9Qe5TqiwMSX29YSl3SJ_UhRFupHD4g.Mki9zSCe3uxpmzd-4bQlaCLjzbCLOoQBX025sqWv98sg.PNG/20_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fc1c1886f1cec4d6383f181551bb08bf8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 222px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기존 가입자\u003c/b\u003e\u003c/span\u003e \u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e의 경우, \u003cu style\u003d\"background-color: inherit;\"\u003e운용하고 있던 상품의 만기가 도래하고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e4주\u003c/b\u003e가 경과했는데도 만기상환자금에 대한 운용 지시가 없을 경우, 연금 사업자는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2주\u003c/b\u003e 이내에 운용 지시를 하지 않으면 디폴트 옵션이 적용된다고 안내\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 금융상품의 만기가 도래한 다음 6주가 지났는데도 운용 지시를 하지 않으면 디폴트 옵션이 적용되는 겁니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTM3/MDAxNzE1MDU4MzQ0OTcx.LNTA3Dhn25BuhN4OtXgzLbf0BayAzI1X_o9eLwcjZrIg.M0oc-2HNzXBrWy1gEa13m9xdpNMF0xUE0qUqpkRlw6Mg.PNG/20_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F79066c93dc9b47cc8fade3bb4b6c05b2.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 225px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfOTMg/MDAxNzE1MDU4MzU0ODY4.1-MXLhagIhWb9WIj7G5XTK5JkEFMpSIXUK7AmSGB9msg.0wB1h-h5E5NgW_wzM5eRldfn0gbEZD8yVUdXm7ES9hEg.PNG/20_05.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F4efa19fc0bd04d2090b3e3052061e66a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 796px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMzQg/MDAxNzE1MDU4MzY4OTkw.HULU0uS8-Fj2OnRg-39etC1wEul8c_rdMisR3IMZKwwg.r0ofKqwJCogmLRD--MFcuEWv-JVXciqAcvG_qEcB4Icg.PNG/20_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F8acbf7ce21d248369bbde5a2f67073c3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 185px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjQg/MDAxNzE1MDU4Mzc3MzUx.GUS7bjDcgljRF-oxdi6tre8hBt7JIWtLOLQbhGw8Lyog.WdX2bl1lJDDmWvMSiWOlORQL0jgoVm7qxA61XtsCQPwg.PNG/20_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Feb92c548c4834c49b60333c723d6cbb7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 114px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eDC형 퇴직연금과 IRP 가입자는 연금사업자가 제시하는 디폴트 옵션 상품 중에서 자신에게 적합한 것을 고를 수 있는데 이때 \u003cu style\u003d\"background-color: inherit;\"\u003e하나의 디폴트 옵션 상품만 선정할 수 있습니다.\u003c/u\u003e \u003c/span\u003e \u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e(단, DC형 퇴직연금과 IRP에 각각 가입하고 있는 가입자는 디폴트 옵션 상품도 각각 하나씩 지정해야 함)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e금융회사에서 제시하는 디폴트 옵션 상품은 보통 위험도에 따라 초저위험, 저위험, 중위험, 고위험 등 4가지 포트폴리오로 구분되어 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e위험등급 중 초저위험은 원리금 보장형 상품으로만 구성이 됩니다. 나머지는 위험도가 높아질수록 펀드와 같은 원금 비보장형, 다시 말해 실적배당형 상품의 비중이 높아집니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDhfMTc4/MDAxNzE1MTI2NzI4NzEw.EB74cA5bRfJ0KoE3sNsFc-cijGlVDKmojLpnmaZIUnUg.z3Ln2cy01ivxJBEywg6aTo5S3XlEs2JvyJsT0giy1aog.PNG/20_08_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fd387d85e906f4c9f93ff2ab97fd98335.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 293px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjcz/MDAxNzE1MDU4NDAyMDk0._iHwmICh9jWYAJqu45zUa2hThGz06FVfpmIetTgkA7Yg.IZvgN6IZT1wqDXW_pb3saMPSmc9VddvFYYQ6q8MLQUIg.PNG/20_09.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F3658180396694dbc8f7da4a4d09c4519.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 101px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은행의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e정기예금\u003c/b\u003e, 증권사의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eELB\u003c/b\u003e(Equity Linked Bond, 주가연계파생결합사채)와 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eRP\u003c/b\u003e(Repurchase Agreements, 환매조건부채권), 보험사의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eGIC\u003c/b\u003e(Guaranteed interest contract, 이율보증상품), \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금리연동형 보험 상품\u003c/b\u003e 등이 있는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e원금과 이자가 보장되는 \u003cu style\u003d\"background-color: inherit;\"\u003e원리금 보장 상품은 투자한도 제한 없이 적립금의 100%까지 투자가 가능\u003c/u\u003e하다는 특징이 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjUw/MDAxNzE1MDU4NDE0ODQ3._rgc4bx5cSpwTJDMv99mPx_TxU4nHPA9UAJOeQ5yNxkg._jdR6MzIP0vadOQUVrtieiPlMS5h9nZbQQvF29QDP6kg.PNG/20_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F36e4940eadb547f2965a304a8489e3ee.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 510px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e원리금 보장 상품에 가입하실 때 한 가지 주의할 점으로는 예금자보호 여부를 확인\u003c/b\u003e해 보셔야 한다는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e정기예금, 이율보증보험, 금리연동형 보험 상품\u003c/b\u003e은 예금자보호를 받을 수 있지만, \u003cu style\u003d\"background-color: inherit;\"\u003eELB와 RP는 예금자 보호 대상이 아닙니다.\u003c/u\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTk1/MDAxNzE1MDU4NDI3MDYx.qBUQwqZ93lZbnObCxuKEFmD7fCY0l1BbYWw_MyDPWYgg.wcTr7KKoOgNFWW0BFjXJqtOOTlf-o084Z4qtl3kDp0sg.PNG/20_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fc5a97420e19f4e9d86c937dc3d67a6fb.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 104px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e정기예금 금리만으로 목표수익을 달성하기 어렵다면 펀드와 같은 실적배당 상품에도 관심을 가져볼 만합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e연금사업자가 제시하는 펀드 상품은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF\u003c/b\u003e(Target Date Fund), \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eBF\u003c/b\u003e(Balanced Fund), \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eSVF\u003c/b\u003e(Stable Value Fund), \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eSOC 펀드\u003c/b\u003e(Social Overhead Capital Fund) 등으로 분류할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 \u003cu style\u003d\"background-color: inherit;\"\u003e금융회사가 펀드 유형으로만 디폴트 옵션 상품을 제시할 때는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF\u003c/b\u003e 또는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eBF\u003c/b\u003e가 반드시 포함\u003c/u\u003e되어 있어야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 \u003cu style\u003d\"background-color: inherit;\"\u003e원리금 보장 상품과 펀드를 혼합한 포트폴리오 유형도 가능\u003c/u\u003e합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDhfMjgg/MDAxNzE1MTI2NzQwNTYy.UKj3qP8X7ao7yIxu_WMc0f-zf999LQNV12plcFk5QmMg.362NSytWyIjnBtz7N5Sj8UKr6nfdEchfNmYeyheZgdMg.PNG/20_12_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Faf03a3e9e68c4c0e8aeaa26ced7a7fb4.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 594px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e또 디폴트 옵션에는 위험자산 투자한도가 적용되지 않습니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e원래 퇴직연금(DC∙IRP)에서는 적립금을 위험자산에 70%까지만 투자할 수 있지만, 이를 엄격하게 적용하면 사전 지정 운용 방법이 제대로 작동하기가 힘들어지기 때문에 디폴트 옵션 상품에는 이 같은 위험자산 투자한도를 적용하지 않습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e혹시 디폴트 옵션 상품의 위험자산 투자한도에 대해 더 자세히 알고 싶으시면 아래 주소를 클릭하셔서 살펴보시기 바랍니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003ca href\u003d\"https://naver.me/5smidbMp\" style\u003d\"color: rgb(96, 140, 186) !important; text-decoration: underline; cursor: pointer;\"\u003ehttps://naver.me/5smidbMp\u003c/a\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjg0/MDAxNzE1MDU4NDU5NDU0.DJr0HmcMKCo12gZmMTTUrk6AvAb0r1F2IJK5K24S3j0g.FvbJv88wnWvXnwvO0UXZ8RFo37_dvRVemJjDGbaLgf8g.PNG/20_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F4a83670eb24c4e0599db7fe23b3d9982.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 649px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IN2KKuS1vv8kk4vW_zZjsyaewDVo\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTEz/MDAxNzE1MDU4NDY5NTQ3.hwdt31eFY8j_NQDz7ug7G8oy7aVXZ1N73TUwB_FL9Tsg.28RuYKKrmsw1A8mGF19BXuQ7G_2Ai6WpbqKz8ehIRx0g.PNG/20_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F166d0f28be504cf8a37459de44421ac0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 187px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTk3/MDAxNzE1MDU4NDc4ODE2.Z2EgDM2iZ9d287Q53V-G9HM6C0NSZB0WEnvm54EVX3wg.m5kBVuNW2FRjqBQIXTOmOSn6TSKl7jmCa9p0NrGIt58g.PNG/20_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fd16f29099ac34c468cd09effc70e52d6.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 99px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e재정설계를 하는 기준으로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;100-나이 법칙\u0026rsquo;\u003c/b\u003e이라는 투자원칙이 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e투자자산의 비중을 결정할 때, 100에서 자신의 나이를 빼서 나온 비율만큼 투자를 하고, 나머지는 안전성 위주의 자산에 배분하라는 의미입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfNjUg/MDAxNzE1MDU4NDkwMjY1.SDvYGhK3fUFx6BpdIALVxMEB8FKrgAb1xD6qlr7-mHsg.74HOQCN4IRMr6eU-yb-twqGxhrL7TgjD7WnCflbu6OYg.PNG/20_16.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fa343338371d0432dac8cac9d6514006a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 현재 나이가 30세라면 70%를 위험자산에, 30%는 안전자산에 투자하라는 의미이고, 나이가 60세라면 40%를 위험자산에 60%는 안전자산에 투자하라는 말이 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e젊을수록 투자자산의 비중을 늘리는 한편, 나이가 들어갈수록 공격적인 투자자산을 줄이고 안전자산 비율을 높여 위험을 줄여 나가야 한다는 뜻\u003c/u\u003e이 담겨있다고 볼 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF는 이 원칙을 실현하는 펀드입니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e우리말로 번역하면 \u0026lsquo;목표 시점 펀드\u0026rsquo;라고 할 수 있는데, 다시 말해 목표 시점에 맞춰 위험자산(주식 등)과 안전자산(채권 등)의 비중을 알아서 조정해 주는 펀드입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해, 나이가 들어가면서 위험자산 비중을 서서히 줄여가면서 은퇴 이후에는 최소한의 비중을 유지해 가는 방식으로 운용되는데, 이때 비중을 조정해 가는 과정이 항공기 착륙과 비슷한 움직임이라 해서 \u0026ldquo;글라이드 패스(Glide Path)\u0026rdquo;라고 부릅니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTQx/MDAxNzE1MDU4NTA0NTE3.jsb2cLAE7cRNl5qcN4fEYn-Qtr_OPsw_2TebkoXgK4Qg.1grTmW9VSuSPuzt9JWgl84_gQLpYiJ7o1biQpG4qIsEg.PNG/20_17.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F938f224c49c744ff87e63cbd76b74042.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 444px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사실 투자 경험, 역량, 시간이 부족한 직장인들 입장에서 투자대상을 골라 포트폴리오를 구성하고, 정기적으로 평가, 리밸런싱하는 것이 쉽지는 않을 겁니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 TDF는 가입할 때 가입자가 자신이 예상하는 은퇴 목표 시점만 선정하면, 그다음부터는 알아서 해주기 때문에 요즘 퇴직연금 가입자들의 많은 관심을 받고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: black; font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF를 고르는 방법은?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eTDF에 대해 이런 의문이 드실 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e펀드는 다수의 자금이 모여서 한 방향으로 운용되는 상품인데, 개인마다 은퇴 시기가 다르고 위험자산에 대한 생각도 다 다를 텐데... 어떻게 운용이 가능하지?\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그래서 Target Date가 존재하는 것입니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eTDF 상품들은 모두 상품 중간, 즉 TDF 바로 뒤에 2030, 2040 등과 같은 연도를 표방하고 있습니다. 이 4자리 숫자들이 바로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;목표 은퇴 시기\u0026rsquo;\u003c/b\u003e이며, 흔히 빈티지라고도 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e본인의 나이가 30대이고 은퇴는 앞으로 25년 정도 남아 있다면 지금 기준으로 2050년 이후가 은퇴 시기라고 볼 수 있습니다. 이 투자자는 TDF 2050 펀드에 가입하시면 됩니다. 아직 많은 시간이 남아있어 주식 운용 비중도 꽤 높을 것입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTcw/MDAxNzE1MDU4NTE4Nzgw.QkUk6WmXjrAjdW7A8baR0tbzfz2c1oaiVPm5AhOW73Mg.rae858oTNbdwMG-lHnpn0GVKypd5G9VZDvXE_SOzQR0g.PNG/20_18.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F5c482a010ff1499ab8dc597dda3dcce3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 216px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 보면 2040, 2030 등으로 \u0026lsquo;Target Date가 가까워질수록 위험자산 운용 비중은 줄어들겠구나\u0026rsquo;라는 생각이 바로 드실 것으로 생각됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfNjcg/MDAxNzE1MDU4NTMxNzg2.RdAlZ-RO-B-PxjvfWGA9I6D4cwH7IaOJUwXdfgs5ad8g.9yEQpfnCRZheR3g7ulBMEbiHlUhGfwBSr0T6DDzKYywg.PNG/20_19.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F3484d2de94b943e696ab40e5556c50e7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 245px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e같은 해에 은퇴를 예정하고 있는 근로자라고 해서 모두가 동일한 위험수용성향을 가지고 있다고 할 순 없습니다.\u003c/span\u003e\u003c/u\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e남들보다 높은 수익을 올리기 위해 어느 정도 위험을 감수하겠다는 이도 있고, 반대로 수익이 좀 적더라도 변동성이 적은 투자대안을 선호하는 이도 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e따라서 TDF를 고를 때, 이 같은 투자성향을 반영해 목표 시점을 일부 조정할 수 있습니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e빈티지는 예상 은퇴 시점을 뜻하지만, 이를 통해 TDF에 편입된 주식 비중을 가늠할 수 있습니다. 빈티지가 높다는 것은 은퇴까지 기간이 많이 남았다는 뜻이고, 그만큼 주식 비중이 높다고 할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1980년 출생자가 2035년에 은퇴할 계획인 경우를 예로 들면...\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약 남들보다 보수적인 투자성향을 가지고 있는 투자자라면 2035나 2030 빈티지를 선택하면 되고, 반대로 공격적 투자성향을 가지고 있는 투자자라면 2045나 2050을 타깃으로 하는 TDF를 고르면 됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDhfMjU1/MDAxNzE1MTI2NzQ4MzE0.SxFH_jbR2elEJkjgSKuzswvYXaK2OOvqG-vafZRgyc4g.CUBM8FT4OzWEf7pcgZ5Yvk5_bqxuLW4JTLmoPapDYfUg.PNG/20_20_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F7201d0a1818e4ea8bf3f5fbc272977c8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 493px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjEx/MDAxNzE1MDU4NTU5NDA2.gVronOfT9GkcLmTIyVf-tRq3fmufbaAF-cseTPj3H3Ig.rMrCyQw-cO-lRbfoStM0CCHasYrRoFBF9HzMaRQcZfwg.PNG/20_21.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fed079d6518ba4dce9b96cb887cbc3f67.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 104px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은퇴 전까지 퇴직연금을 운용하는 콘셉트로 TDF가 있다면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e은퇴 후 연금 인출시기\u003c/b\u003e에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTIF\u003c/b\u003e(Target Income Fund)가 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e은퇴 이후의 삶을 여유 있게 보내기 위해서는 정기적인 현금흐름이 반드시 필요하지만, 수명이 늘어나면서 노후자금 인출 계획을 수립하기가 갈수록 어려워지고 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해, 자신의 수명과 노후자금의 수명을 일치시키는, 즉 죽기 전에 돈이 먼저 떨어지지 않도록 하는 것이 노후자금을 관리할 때 가장 중요하다는 의미입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이러한 이유로 베이비붐 세대가 본격적으로 은퇴하면서 노후자금을 어떻게 운용해야 할 것인가에 대한 관심이 커지고 있는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e필요한 연금 소득을 인출해 사용하면서도 잔여자산에 대한 시장 방어를 추구하고, 장수(長壽)리스크, 물가상승 등에 대비하고자 하는 상품\u003c/u\u003e이 바로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTIF\u003c/b\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF\u003c/b\u003e는 은퇴 시점까지 자산 형성에 초점을 맞추지만, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTIF\u003c/b\u003e는 그동안 모아둔 목돈을 현금흐름으로 변환하는 것을 목표로 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDhfMjEz/MDAxNzE1MTI2NzU4MzYx.-XIOXfeRrTHkCsONy3n46bmSNu86QmXhQwWjNt7_Yv8g.WGC1KYI8KL98uKQJ5yfP0Iy6JNxDK50ljsHmFWTAaJgg.PNG/20_22_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F56b075d3fcbc4cd392cf2b53a04a1269.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 581px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그래서 이론적으로는 은퇴 전에는 TDF, 은퇴 이후에는 TIF라는 이야기를 하기도 합니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_23_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfNjkg/MDAxNzE1MDU4NTg1NTY4._7x_uFGQOS8r1Gr7k-El0GaWbDkQmIkW86kjqCF0GwEg.W2r7v1O0rm8EEi-yqjco1uilpCAPCSp2dkhuJac8yosg.PNG/20_23.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_23_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F14215b50f2cf4090900c9ce75288399c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 418px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eTIF는 소중한 은퇴자금을 최대한 지키기 위해 안정적인 변동성 관리를 최우선시하면서, 원금의 3~4%를 매년 이자와 배당 수익으로 인출할 수 있도록 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그렇기 때문에 지속적인 현금흐름을 창출해 내며 자산시장 하락기에도 상대적으로 안정적인 흐름을 유지하는 자산들, 즉 배당주, 채권, 리츠, 인프라 펀드 등의 인컴자산에 분산 투자합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_24_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMTgw/MDAxNzE1MDU4NTk3NzYy.tWgTsWNOp-XUrB6XwiaxgY-WWLqqejKbYpNdaGmUlO8g.QQwjhBsDD7orZkTIingoHBaFbTLww2slFn2gFH3eT6Ag.PNG/20_24.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_24_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F5a27f773ffb24062a7cc4fc400d9da0e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 109px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTDF\u003c/b\u003e가 은퇴 시기에 초점을 맞춘 펀드라면, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTRF\u003c/b\u003e(Target Risk Fund)는 위험 수준을 타겟팅하는 펀드입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eTDF가 시간이 지남에 따라 자산구성이 변화된다면, TRF는 \u003cu style\u003d\"background-color: inherit;\"\u003e펀드 설정 초기에 투자자의 위험 성향에 맞게 위험자산과 안전자산의 비중을 정하고 그대로 유지\u003c/u\u003e하는 자산배분형 펀드입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e예를 들어\u003c/b\u003e \u003cu style\u003d\"background-color: inherit;\"\u003eTRF 7030이면 주식과 채권이 7:3으로 고정\u003c/u\u003e되었다는 의미이고, \u003cu style\u003d\"background-color: inherit;\"\u003eTRF 3070이면 주식과 채권이 3:7로 유지\u003c/u\u003e된다는 의미가 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보통 주식은 글로벌 선진국에 투자하며, 채권은 국내 채권에 투자합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_25_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfMjM4/MDAxNzE1MDU4NjEwNzc0.vLZ0GoFMeHHLOq3zxi1rEC9TVXt1NOYHj3MwvBRIg0Ug.pWLE1y5QJpBlltx4jCyxCeDhONZN2MDF49SfoTHk4Ggg.PNG/20_25.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_25_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Ff8c2007bda254f2d9f573786e7449642.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 253px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eTRF는 포트폴리오 자산들의 수익률 상황에 따라 해당 투자 비중이 변화할 경우, 늘어난 비중의 자산은 팔고 줄어든 비중의 자산은 매수해서 원래 지정한 투자 비중을 맞추는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e리밸런싱 작업\u003c/b\u003e을 진행하는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e쉽게 말해, 주식이 많이 올랐을 때는 주식을 팔아 채권을 사고 채권이 많이 올랐을 때는 채권을 팔아 주식을 산다는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이러한 리밸런싱 작업을 통해, \u003cu style\u003d\"background-color: inherit;\"\u003e기초자산의 가격이 변동되더라도 자산의 비중을 일정하게 조정하여 시장의 변동성에 대비하면서 수익\u003c/u\u003e을 올릴 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eTRF는 투자자가 감당할 수 있는 위험(리스크)과 수익을 목표로 설계된 펀드이며, 투자자는 자신이 원하는 위험 수준을 선택하기만 하면 됩니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e투자자가 직접 자산배분을 고민할 필요가 없습니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e물론 위험자산과 안전자산 관련 금융상품을 투자자 본인이 따로 매수할 수 있겠지만, 이러한 자산배분을 스스로 해내는 것이 쉬운 일은 아닙니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 \u003cu style\u003d\"background-color: inherit;\"\u003e적절한 대상 선택과 변동성을 줄이기 위해 자산 가격 변동에 따라 매번 비중을 조정하는 것은 바쁜 직장인에게 큰 부담\u003c/u\u003e일 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 TRF는 자신이 원하는 수준의 리스크와 수익을 유연하게 관리할 수 있으므로, \u003cu style\u003d\"background-color: inherit;\"\u003e투자 초보자나 퇴직연금을 적극적으로 운용하기 어려운 투자자들\u003c/u\u003e에게 하나의 방법이 될 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_26_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDdfNTAg/MDAxNzE1MDU4NjI1Mzg4.PMc2l9_dMkzoZMKW1EDFCkRzI1XF0eQ4BUL4bYc30aIg.wEWWIi29iiCx4G8vFhYJdk_iYWjch_ptK7WlL5iwWN8g.PNG/20_26.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_26_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F386b5e86ea364006903c6ccc7d10f859.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 216px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그래서 오늘은 디폴트 옵션 제도 시행 이후로, 은퇴 전용 3총사라고 불리며 관심을 받고 있는 TDF, TIF, TRF에 대해 알아봤는데요.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(127, 96, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e이렇게 장기적인 투자 상품을 선택하실 때 한 가지 주의할 점이 있습니다.\u003c/b\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(127, 96, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e사실 상품을 고르실 때 제일 먼저 보는 것이 수익률일 것이고, 당연히 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e수익률이 좋은 운용사의 상품\u003c/b\u003e을 선택하실 겁니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(127, 96, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e하지만 이러한 상품들은 \u003cu style\u003d\"background-color: inherit;\"\u003e연금가입자를 위한 금융상품\u003c/u\u003e입니다.\u003c/b\u003e\u003c/span\u003e \u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e연금가입자만 가입할 수 있다는 얘기는 아니라 퇴직연금과 개인연금 가입자가 적립금을 운용하는 데 최적화된 금융상품이라는 의미입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e연금과 같은 장기 투자 상품은 노후자금을 축적하고 인출하는 데까지 상당히 긴 시간이 소요되기 때문에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e장기적인 관점에서 자산을 운용\u003c/b\u003e\u003c/u\u003e합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e그렇기 때문에 너무 짧은 기간 동안의 성과로 자주 상품을 갈아타거나 하지 마시고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e장기적인 수익률\u003c/b\u003e이나 중간중간 나오는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e회사별 운용성과 보고서\u003c/b\u003e를 살펴보시면서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e긴 안목으로 보며 선택, 운용\u003c/b\u003e하시는 것이 좋을 듯합니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_27_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDhfMTk1/MDAxNzE1MTI2NzY1MDQx.nGPtECc9D3u6OXfj0QNIZUszpDp_y_P7oy9JWMfaUKYg.7hnCXOvnPnNpEnTjazY0D3ryH09lnY3oAqpCwsB06YMg.PNG/20_27_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d37751065\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_27_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2F44fc1e68afe74c50818e913c853acffc.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 688px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I7adNSjFgJ-EvXO86dPz3oZtnSTM\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F18a3bc4a8e8e405ba6ed8adda5d7c5c3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1715126864088-1775209645_image_30_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA1MDNfNDgg/MDAxNzE0Njk2ODIxNDA1.LsNmq7K9JY0gRR6lxFFRKFwsnU4C_Fb27-SZsb9ERxAg.JL-Rh2uYz0P49xQPQlmIHM9RGBD2Morir_xSBbNz8mwg.PNG/top_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/xEAfqxkQ\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/assetmanageWebBook/web_view?type\u003d3\u0026amp;menu_idx239\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1967\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1715126864088-1775209645_image_30_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-05-08%2Fee67b4880b22467d99778168a28f73d6.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 18.99px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e부동산을 사거나 부업을 안 해도, 월급 같은 부수입 만들기\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1714024793598-1289899722_image_29_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA0MjRfNiAg/MDAxNzEzOTE3OTQ4NjE2.n8Fd8jAYB1JzWASViyzdxdlCy3n9Gsf4-gOjRxgN3ksg.59mB5mMbNxCsA0Y12xB-MgdxFWxfncNRe--ivBLs064g.PNG/top_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/x6AtdOTl\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/assetmanageWebBook/web_view?type\u003d3\u0026amp;menu_idx239\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1966\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1714024793598-1289899722_image_29_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-26%2F0fca881fddec4c2c890db6d598c0f857.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 18.99px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003eISA 혜택 확대! 더 좋아진다는데... 연말정산, 절세, 투자 활용법\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; 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text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n","view_yn":"Y","content_code":"B0000657","play_cnt":81824},{"webtoon_desc":null,"thumbnail":"contents/2025-02-13/8c6f452ae8174e06ba51db61ef557e5b.png","keywords":";[투자\u0026세테크 Knowhow] 투자자라면 알아야 할 주식 양도소득세·금융소득종합과세… 대주주, 고소득자도;지분율;대주주판단;주식양도소득세;양도소득세신고;양도소득세납부;주식양도소득세세율;금융소득종합과세;종합소득세;절세상품;","mobile_use_yn":"Y","type":3,"title":"[투자\u0026세테크 Knowhow] 투자자라면 알아야 할 주식 양도소득세·금융소득종합과세… 대주주, 고소득자도","show_order":2,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Feb 13, 2025 10:03:26 AM","menu_idx":252,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":2031,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 26px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e투자자라면 알아야 할 주식\u003cbr /\u003e\r\n양도소득세\u0026middot;금융소득종합과세\u0026hellip;\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 26px; 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width: 700px; height: 257px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e또 금융상품에 투자할 때 주의점은 뭐가 있을까요? 은퇴 후 금융소득으로 생활비를 충당하려고 하는데\u0026hellip; 세금이 무섭네요.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F40b18ae12ac741a2b7547fd3febfa2cb.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 145px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e원칙적으로 모든 소득에는 세금이 발생하며, 당연히 주식 투자 시에도 소득이 발생하면 세금이 발생합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대표적인 세금으로는 보유 시\u0026nbsp;배당소득에 대한 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득세\u003c/b\u003e, 매도 시\u0026nbsp;양도소득(매매차익)에 대한 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세\u003c/b\u003e가 과세됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 우리나라는 주식시장의 거래 활성화를 위해 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식의 경우 소액주주가 보유한 상장주식의 양도차익\u003c/b\u003e은 예외적인 사항을 제외하고는 비과세 대상입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e양도소득세 신고 대상은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소액주주가 상장주식을 장외에서 거래한 경우, 상장법인의 대주주가 장내\u0026middot;장외를 불문하고 거래한 경우, 비상장주식을 양도한 경우\u003c/b\u003e입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F183a673d836d4a399d4f4a09cf8f1a6d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 210px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F5d11fe99426740348f83e7bd3a180897.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 205px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2023년까지는 시가총액 기준이 10억 원\u003c/b\u003e이었기 때문에 대주주에 해당하는 경우가 적지 않았습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2022년 주식 양도소득세를 신고한 대주주는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e5,504명\u003c/b\u003e이었고, 이들은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e9조 9,434억 원의 주식을 매도\u003c/b\u003e하여 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e7조 2,585억 원의 양도차익\u003c/b\u003e을 남겼다고 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 양도소득세로 납부한 금액은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1조 7,261억 원\u003c/b\u003e으로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1인당 평균 3억 1,400만 원\u003c/b\u003e의 적지 않은 세금을 낸 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이런 이유로 대주주의 주식 양도세를 피하기 위해 \u003cu style\u003d\"background-color: inherit;\"\u003e연말에 주식을 대량으로 매도\u003c/u\u003e하고 \u003cu style\u003d\"background-color: inherit;\"\u003e과세 시점이 지난 이듬해 1월이 됐을 때 다시 주식을 매수\u003c/u\u003e하는 매매형태가 발생했으며, 이는 주식시장에도 좋지 않은 영향을 주어 그간 논란의 대상이 되었는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대주주 요건 10억에서 50억으로 상향, 연말 매도 폭탄은?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이에 정부는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2024년 1월\u003c/b\u003e부터 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대주주의 시가총액 기준\u003c/b\u003e을 \u003cu style\u003d\"background-color: inherit;\"\u003e10억 원에서 50억 원으로 상향\u003c/u\u003e시켰고, 이에 양도소득세를 회피하기 위한 매물폭탄이 2024년 연말에는 멈추었다고 하는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e한국거래소에 따르면 대주주가 되지 않기 위해 주식을 팔 수 있는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e마지막 거래일인 2024년 12월 26일\u003c/b\u003e에 개인은 총 3,825억 원치를 순매도했는데, 이는 대주주 판단 기준일마다 1조 원 넘게 순매도했던 것에 비하면 절반도 미치지\u0026nbsp;않은 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대주주의 또 다른 요건, 지분율\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e시가총액 외에 세법상 대주주를 판단하는 요건으로는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e지분율 기준\u003c/b\u003e이 하나 더 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e시가총액 기준은 KOSPI, KOSDAQ, KONEX, K-OTC 등 시장에 상관없이 동일하게 50억 원이 적용됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e지분율 기준\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e해당 주식이 상장된 시장에 따라 달라\u003c/u\u003e지는데, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eKOSPI\u003c/b\u003e일 경우에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e1%, KOSDAQ\u003c/b\u003e은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2%, KONEX/K-OTC\u003c/b\u003e는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e4%\u003c/b\u003e의 지분율을 적용하는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e개인투자자라 하더라도 시가총액이 작은 중소기업의 경우 지분율 기준을 넘을 수도 있으니, 잘 알아보시고 투자하시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fa24e8f91be70423f8927fa20b88a8793.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 165px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e지분율\u003c/b\u003e은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해당 종목을 보유하고 있는 1년 내내 적용\u003c/b\u003e, 즉 \u003cu style\u003d\"background-color: inherit;\"\u003e1년 중 한 번이라도 기준을 충족\u003c/u\u003e하게 되면 지분율 기준에 해당한\u0026nbsp;날부터 사업연도 종료일까지 \u003cu style\u003d\"background-color: inherit;\"\u003e대주주에 해당\u003c/u\u003e한다는 의미입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이에 반해 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e시가총액의 금액 기준\u003c/b\u003e은 해당 종목의 \u003cu style\u003d\"background-color: inherit;\"\u003e직전 사업연도 종료일 기준으로 적용\u003c/u\u003e하게 됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fece354f3128a4a9ba7857fb495a41112.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 469px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fd7d8193d95184038b8aec48c839008a5.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 209px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fc39c4eb219b24dab86d83d4c23194a0c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 181px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그럼 먼저 주식 양도세는 어떻게 신고\u0026middot;납부하는지, 세금은 얼마나 되는지에 대해 알아보도록 하겠습니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F93f187588e174c33ac18d6420bfa0c65.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2Fa9105db2b8e14b8aadcf96d05b6a835d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 86px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그건 아닙니다. 주식의 양도소득세는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e반기별\u003c/b\u003e로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e개인이 직접 신고\u0026middot;납부\u003c/b\u003e하면 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e상반기\u003c/b\u003e(1월~6월)에 매도했다면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e8월 말\u003c/b\u003e까지, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e하반기\u003c/b\u003e(7월~12월)에 매도했다면 다음 해 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2월 말\u003c/b\u003e까지 신고\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026middot;\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e납부해야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e동일한 해에 매매한 손익\u003c/b\u003e은 서로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e손실상계가 가능\u003c/b\u003e하므로 상반기에 양도차익이 발생하여 세금을 납부하고, 하반기에 양도차손이 발생했다면 상반기에 납부한 세금을 환급받을 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F55df2e6821d6404faf3566ec98580bd1.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 203px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F3c3f933a153e45f5bd0bc28a747757e9.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 207px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F7b786c8f76074747b0466bb36dd574a3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 199px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e세율선택도우미\u003c/b\u003e란 중소기업\u0026middot;상장주식\u0026middot;대주주 관련 도움자료를 제공하고, 납세자가 해당 여부를 선택하면 세율이 자동으로 적용되어 복잡한 양도세율을 쉽게 선택할 수 있는 서비스를 말합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 외에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e미리채움서비스\u003c/b\u003e도 있는데, 홈택스 신고화면에 양도내역 불러오기 기능을 신설하여 불러온 내역을 클릭하면 신고 시 입력해야 하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e6개 항목\u003csup\u003e*\u003c/sup\u003e\u003c/b\u003e이 자동으로 채워집니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e* 6개 항목: 사업자등록번호, 주식종목코드, 양도일자, 양도주식수, 양도가액, 양도소득금액\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F9b3681e8fb374c1296633035e3631a2d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 769px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단 2025년 상반기에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e상장주식을 양도한 대주주\u003c/b\u003e와 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eK-OTC 시장에서 거래한 주주\u003c/b\u003e에만 해당하며, 앞으로도 서비스 대상을 확대할 계획이라고 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F328067688caa4cfe97db8fb29432d1ac.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 225px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소액주주와 대주주의 주식\u0026nbsp;양도세율은 다르게 적용됩니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소액주주\u003c/b\u003e의 경우 \u003cu style\u003d\"background-color: inherit;\"\u003e중소기업은\u0026nbsp;\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e10%\u003c/b\u003e\u003c/u\u003e, \u003cu style\u003d\"background-color: inherit;\"\u003e중소기업이 아니라면\u0026nbsp;\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e20%\u003c/b\u003e\u003c/u\u003e의 세율을 적용합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대주주\u003c/b\u003e의 경우 양도소득이 \u003cu style\u003d\"background-color: inherit;\"\u003e3억 원 이하라면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e20%\u003c/b\u003e\u003c/u\u003e, \u003cu style\u003d\"background-color: inherit;\"\u003e3억 원을 초과했다면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e25%\u003c/b\u003e\u003c/u\u003e의 세율을 적용하고, \u003cu style\u003d\"background-color: inherit;\"\u003e중소기업이 아닌 기업의 주식을 1년 미만 보유 시에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e30%\u003c/b\u003e\u003c/u\u003e의 세율을 적용합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F2d282b2d624f40aa96903ba503b83ac7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 249px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F8ad20a44860740cf9127d5cda3baa62d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 207px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fbfb18214aecb48a5880db2d021a41f18.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2Ff9e31252d0a549fb952299e36e826163.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 92px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식의 경우\u003c/b\u003e \u003cu style\u003d\"background-color: inherit;\"\u003e장외거래를 하거나 비상장주식에 해당하면 양도소득세 과세 대상\u003c/u\u003e이 되고 \u003cu style\u003d\"background-color: inherit;\"\u003e해외주식은 모두 다 과세 대상\u003c/u\u003e이 됩니다. \u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이를 활용하여 만약 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내 상장주식에서 손실이 났다면 장외로 매도하여 손실을 확정\u0026nbsp;\u003c/b\u003e짓거나 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외주식에서 손실이 났다면 매도하여 손실을 실현\u003c/b\u003e시킨 후에, \u003cu style\u003d\"background-color: inherit;\"\u003e대주주가 된 종목의 매매차익과 상계하여 세 부담을 줄이는 것\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e동일한 해에 발생한 손익만 서로 상계\u003c/b\u003e되므로 1월부터 12월까지 결제가 된 손익만 인정된다는 점을\u0026nbsp;주의해야 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2Fe9a152054a904d8b9237fed9866588be.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 202px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식의 양도\u0026middot;취득시기는 체결일 기준이 아니라 결제일 기준!\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보통 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식을 매매\u003c/b\u003e할 때는 \u003cu style\u003d\"background-color: inherit;\"\u003e주식 주문이 체결되고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2일\u003c/b\u003e이 지나면 결제\u003c/u\u003e가 이뤄지게 되는데, 세법상 매매의 기준은 잔금을 지급한 날이 되므로 주식의 취득과 양도에 따른 기준은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e결제일\u003c/b\u003e이 되는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e12월 결산법인\u003c/b\u003e일 경우 12월 말에 보유한 수량이 지분율과 금액 기준을 모두 충족해야 하므로 \u003cu style\u003d\"background-color: inherit;\"\u003e매도에 따른 체결이 아니라 결제가 12월 말일 전에 일어나야 합니다\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2024년의 경우 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e12월 31일은 주식 휴장일\u003c/b\u003e이었으므로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e12월 30일에 주식 매도 결제\u003c/b\u003e가 되어야 합니다. 이 때문에 늦어도 26일까지는 매도 주문이 \u003cu style\u003d\"background-color: inherit;\"\u003e체결되어야\u003c/u\u003e 한다는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e반대로 27일에 매수한 주식은 25년 1월 2일에 매수 결제가 되므로 2024년 말 보유 수량에 포함되지는 않습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fee16f8ffb2864fb3a05dd81051c606fc.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 355px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e한 번 대주주는 영원한 대주주?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 대주주에 한번 해당했다고 해서 계속 대주주가 되는 것이 아니라, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e매년 판단\u003c/b\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 12월 결산법인 종목이 2024년 말 대주주 기준에 해당한다면 2025년에 대주주에 해당하여\u0026nbsp;주식을 매도할 경우 양도소득세 대상이 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 2025년 말 기준 대주주를 다시 판단하여 대주주 기준에 해당하지 않으면 2026년은 대주주가 아니므로 자유롭게 매매하더라도 양도소득세 과세 대상이 아니게 되는 것입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F9fc808da1c7644528e04ae40cce76af9.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 199px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e보통 근로소득이 대부분인 직장인들은 연말정산으로 세금 문제가 종결되어 종합소득세란 본인과 상관없는 일이라고 생각할 수 있는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 팬데믹 기간 동안 투자 저변이 확대되면서 주식 투자자 수가 약 1,400만 명으로 늘어났으며, 투자상품이 다양화되고 해외투자를 하는 분들도 증가하면서 \u003cu style\u003d\"background-color: inherit;\"\u003e이자와 배당소득을 합쳐 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2,000만 원\u003c/b\u003e\u003c/u\u003e을 넘은 직장인이 꽤 많아졌습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서인지 2024년 4월 말, 국세청은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e약 1,255만 명\u003c/b\u003e에게 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합소득세 신고납부 대상\u003c/b\u003e이란 안내를 했는데, 이는 작년보다 약 82만 명이 증가한 것으로, 사상 최대의 수치라고 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F0d17832934f5422db7b7802f93266bb8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 201px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F88424af881e046ec8ff245085ceb970d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F28bf4a1d010d415b890eaab8bb21ab4c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 90px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합소득세율\u003c/b\u003e은 아래와 같이 \u003cu style\u003d\"background-color: inherit;\"\u003e최소 6%에서 최대 45%(지방소득세 제외)의 초과누진세율\u003c/u\u003e이므로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합소득이 많을수록 세 부담이 커지는 구조\u003c/b\u003e입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F3c3ad93733e646bb807f9d959f4acc0c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 268px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F03d00f62cc044de7888316e2356d90f0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 456px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e근로소득, 사업소득, 연금소득\u003c/b\u003e(연 1,500만 원을 초과한 경우), \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기타소득\u003c/b\u003e(연 300만 원을 초과한 경우), \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득\u003c/b\u003e을 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e모두 합산하여 종합소득세를 신고\u0026middot;납부\u003c/b\u003e하게 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 \u003cu style\u003d\"background-color: inherit;\"\u003e다른 소득까지 합산하게 되어 종합소득세율이 적용\u003c/u\u003e되므로 세 부담은 더 커질 수밖에 없습니다. 그래서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융상품에 투자해서 이자\u0026middot;배당소득이 발생\u003c/b\u003e했을 때는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득종합과세 대상자가 되지 않도록 조심\u003c/b\u003e해야 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2Fa96b50b65c504d22bde019fb0b8c106f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 208px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F5d473b38f6a649db97273b4662318dc4.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융 기본 소득 2,000만 원\u003c/b\u003e에 대한 세금은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e280만 원\u003c/b\u003e(적용 세율 14%, 지방소득세 10% 미포함)입니다. (금융소득은 2,000만 원의 초과분에 대해서만 종합과세)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e종합소득 6,200만 원\u003c/b\u003e에 대한 세금은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e876만 원\u003c/b\u003e(적용세율 24%)이므로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e합산 세액은 1,156만 원\u003c/b\u003e입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2Fbb437c25203f4fd9b80cba17bd410130.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 200px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F79b6875f410748808cfc666c55024d6a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 87px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fbe1c6e261dbe4534ba53bf5f47a26807.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 194px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F2545fb2c75cc43af9c804ee0f72913b8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 201px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 외에도 \u003cu style\u003d\"background-color: inherit;\"\u003e금융소득으로 과세되는 투자보다\u003c/u\u003e는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e매매차익이 비과세되는 채권\u003c/b\u003e이나 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분류과세 되는 해외주식에 직접 투자\u003c/b\u003e를 하는 것도 좋은 방법 중의 하나가 될 수 있는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 채권에 직접 투자할 경우에는 채권의 이자소득만 과세가 되고 채권의 매매차익은 과세가 되지 않습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e채권형 펀드\u003c/b\u003e 및 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e채권형 ETF\u003c/b\u003e 등의 상품에 간접적으로 투자한다면 해당 상품에서 발생하는 \u003cu style\u003d\"background-color: inherit;\"\u003e모든 소득은 배당소득으로 과세\u003c/u\u003e되므로 \u003cu style\u003d\"background-color: inherit;\"\u003e금융소득종합과세가 될 가능성이 높아\u003c/u\u003e집니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외주식\u003c/b\u003e도 직접 투자할 경우는 \u003cu style\u003d\"background-color: inherit;\"\u003e매매차익이 모두 양도소득세로 과세되어 종합소득과 합산될 일이 없습니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그렇지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외 펀드\u003c/b\u003e나 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내시장에 상장된 해외 ETF\u003c/b\u003e에 투자하면 \u003cu style\u003d\"background-color: inherit;\"\u003e모두 다 배당소득\u003c/u\u003e이 되어 금융소득종합과세 대상자가 될 수 있으므로 이왕이면 직접 투자하는 것이 세 부담을 줄이는 방법이 될 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2Fe41ad5b4468d45eab1baa775bc1ae986.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 522px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F4f8c1adeafa640f29f38bc34a304f5b4.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 211px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 증여재산공제 이내의 금액을 증여하면 증여세 없이 증여가 가능하다는 의미이며, 향후 상속세 문제를 해결하기 위해서라도 사전증여는 필요합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 자녀에게 미리 증여해서 자녀의 재산을 키워주는 것 또한 중요하므로, 증여를 통해 재산을 분산하여 본인의 세 부담도 낮추고 다른 가족의 재산을 증식시키는 일석이조의 효과를 누릴 수 있게 될 것입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F64d24ede3aa74d1bac95e3f015e48ad3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F6deb4422fe804d37a868c18b395ad905.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 208px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-12%2F793e48c7121d4c49b9206bfb002926ec.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식 매매를 할 때 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e보통주\u003c/b\u003e와 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e우선주\u003c/b\u003e의 주식 종목 코드가 다르다 보니 각각 대주주를 판단하는 줄 알고 계시는 투자자분이 종종 있는데요.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F2ac1635f648145349ed04c713f7a8a5b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 216px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 코스피 종목에 해당하는 A주식의 보통주 1% 또는 우선주 1%를 가지고 있거나 혹은 보통주와 우선주를 모두 합산하여 1%를 가지고 있어도 모두 대주주가 된다는 것입니다. (금액 기준도 동일)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e지분율은 해당 법인의 총 발행주식수 중 본인이 보유한 수량의 지분으로 계산합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1735607649186--1867936738_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDEyMzFfNTgg/MDAxNzM1NjA1MDExOTc2.N9ewoda0HwahVXtTCmO8jtCpaBJsxh43XYuY7KU0UUUg.9ptyklkqenSpWxK5QQAGGafZrnrhAVyq8CxbU2eISLYg.PNG/11_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d44838691\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1735607649186--1867936738_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-13%2F1ce97cda99b4491bbaa13379cdd5e9b6.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 192px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e사실 다른 종합소득이 없다면 금융소득종합과세가 된다고 해서 세 부담이 크게 증가하는 것은 아닙니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e연간 발생한 금융소득 중 2,000만 원을 초과한 금액에 대해서만 종합소득세율이 적용되고, 애초에 금융소득이 지급될 때 14%(지방소득세 제외)의 세율로 원천징수를 했기 때문에 \u003cu style\u003d\"background-color: inherit;\"\u003e금융소득 8,000만 원 정도까지는 추가로 납부할 세금이 발생하지 않기 때문\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e혹시 금융소득종합과세와 세제 혜택이 있는 절세형 금융상품에 대해 더 자세히 알고 싶으시다면 아래의 URL을 클릭하셔서 내용을 살펴보시기 바랍니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e내가 금융소득종합과세 세금폭탄! ETF 해외투자 영향? 비교과세 계산법과 절세\u003cbr /\u003e\r\n\u003cu\u003e\u003ca href\u003d\"https://naver.me/xWT3YMsj\" target\u003d\"_blank\"\u003ehttps://naver.me/xWT3YMsj\u003c/a\u003e\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e헷갈리는 절세형 금융상품(비과세, 분리과세, 소득세액공제)\u0026hellip; 나는 어떻게?\u003cbr /\u003e\r\n\u003cu\u003e\u003ca href\u003d\"https://naver.me/GKUD33oJ\" target\u003d\"_blank\"\u003ehttps://naver.me/GKUD33oJ\u003c/a\u003e\u003c/u\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-10-25%2Fbd4a93dcb6a045e2a015289cce9f19a0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/setechWebBook/web_view?type\u003d3\u0026amp;menu_idx252\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2030\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-11%2Fc03b7e0eb98e4fef9df2df35760b505e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e자녀 유학으로 오래 머물면 비거주자?!\u0026hellip; 같은 소득이어도 세금이 다르다고? 법인도\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/setechWebBook/web_view?type\u003d3\u0026amp;menu_idx252\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2029\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-02-11%2Fb50a9a084e764d75bef1ff49809f65a2.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e재산 절반, 세금으로 낸다고\u0026hellip; 상속보다 증여?! 금융상품 증여까지\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e- 본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e- 본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n","view_yn":"Y","content_code":"B0000691","play_cnt":189018},{"webtoon_desc":null,"thumbnail":"contents/2025-01-03/ac043634867e453ba1b2b04a4d3f5b26.png","keywords":";[투자\u0026세테크 Knowhow] 손해 봤는데 세금이? 펀드∙ETF… 어떻게 과세되길래?;ETF과세방법;펀드과세방법;ETF배당금;배당소득세;국내주식형ETF;해외주식형ETF;펀드절세방법;ETF절세방법;절세계좌;연금계좌;","mobile_use_yn":"Y","type":3,"title":"[투자\u0026세테크 Knowhow] 손해 봤는데 세금이? 펀드∙ETF… 어떻게 과세되길래?","show_order":14,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Nov 21, 2024 9:59:12 AM","menu_idx":252,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":2019,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e손해 봤는데 세금이?\u003cbr /\u003e\r\n펀드∙ETF\u0026hellip;\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e어떻게 과세되길래?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 29.6px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 0px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1729059779994--2102314503_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDA5MjNfMjQx/MDAxNzI3MDUwMzQ5NDY5.tHCV18OkNWkMHHOaQJXJ3USGOUL8UwdV-ocJABnqLT8g.vvXXWzviG2768yL_d1q4ho02Wb1u0fk0zrHY3OdoVa8g.PNG/01_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39203553\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1729059779994--2102314503_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-08%2F142d35928c37492fab981a56ddec541a.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 171px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-justify\" style\u003d\"margin: 0px auto; width: 700px; text-align: justify; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"position: relative;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_1_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNjAg/MDAxNzMxODkxMDQ3MzI2.H24a1NGI9Q5TNfUJy48f9eu8lJgS4ULv5uKyymAx6iIg.rLnFuAKB4hGiKmFr7hx9wLF2bGfg4C4bWejBc9ETtgYg.PNG/top.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_1_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-03%2F3773137519e741d5b56bcae62a728981.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjA4/MDAxNzMxODkxMDU2ODM3.5LTwtOkPxdZZ95ZhYETbVAmalUwh0HegP4t4v8LINjMg.Drgtnx6f9IPsic_535QqtVx_lUvGrP3EEt0CBFSn36og.PNG/05_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F56be2aa05e574c8891f709ed83b0bf7b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 277px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e아니, 펀드는 손실이 났는데 세금을 내라니? 그리고 국내주식형펀드에 가입했는데, 채권에서 수익이\u0026hellip; 왜?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNDIg/MDAxNzMxODkxMDgzNTcz.mhEDujELraMX_yRoe2oMNlDEmBw2AWn6hEnzSFbzt5wg.CKNPdxw0SBomtzlt9E40CVDyi_VjSOpDCoEUe_an_zsg.PNG/05_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F6d44b149a7c645208d95e9202f93f1a3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 152px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e처음 투자할 때 쉽게 접할 수 있는 금융상품으로 펀드를 들 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e처음부터 직접 주식에 투자하기는 조금 두렵고, 예∙적금에 두기에는 수익이 낮다고 생각할 경우 보통 펀드를 투자상품으로 선택하게 되는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e투자자의 자금을 투자전문기관인 운용사가 주식, 채권 등으로 운용하고 그 실적을 투자자에게 배당해 주는 펀드는 2000년 초부터 적립식 펀드로 인기를 끌기 시작했는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이후 금융시장이 발전함에 따라 국내주식이나 채권, 해외주식뿐 아니라, \u003cu style\u003d\"background-color: inherit;\"\u003e해외채권, 원유, 금, 환율, 부동산 등의 다양한 자산에 투자하는 펀드\u003c/u\u003e가 많아지면서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대표적인 간접투자상품\u003c/b\u003e으로 자리를 잡았습니다.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTk5/MDAxNzMxODkxMDk1MjY2.r9quBHlzGf6mlMv2zS_T5bhK8BZAmN4czu8BQm81h3Ag._pyFjcncc7AeTlktexYkeuoX1Yr0ErY1z4dCLvwjtikg.PNG/05_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F2ae852ca57794de1b836678a4e4a517c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 209px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e아울러 근래에는 펀드를 시장에서 주식처럼 사고팔 수 있는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eETF\u003c/b\u003e(Exchange Traded Fund, 상장지수펀드)도 투자자들의 많은 관심을 받고 있는데, 2024년 상반기에 \u003cu style\u003d\"background-color: inherit;\"\u003e국내 ETF 시장 규모가 150조 원을 넘어섰다\u003c/u\u003e고 합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjI1/MDAxNzMxODkxMTEwODYy.BHLhZ0DQIQ3eMfode2mU531yq_MH4bEg1qs8BaOPGAog.vPZhvZSie-lOryAH0Kr66YuWy1aOwmTzat-Hn7j8AAIg.PNG/05_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F8e40bca3dd984c1d852731dd7db93032.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 227px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTU3/MDAxNzMxODkxMTE4NDgz.jvTDf8Pher0s8yCl2AZQfxUWp7VQVX3gTcTajp_4MRMg.NZsYXue0cqJLJSJxJbLFvZF2duevMdoyNFASnSlE8b8g.PNG/05_05.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F3004a7dcd22a4da7bf9fb8a6cb591934.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 872px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNDgg/MDAxNzMxODkxMTMyNTk3.yH28vCXM1ZGVWjJ94OCr6f5pTImEDo1bJ1p2nRA3Ezwg.Gfcg_BLybFkWJqiLRnblVcUt2i7zYdfcJ2qjmTMu4Rcg.PNG/05_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F3ab01d0169bb41f986ef9b266cb261be.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 204px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그래서 오늘은 다양한 자산에 투자하는 펀드와 주식처럼 사고팔 수 있는 ETF 과세 방법은 어떻게 되는지, 또 절세전략은 무엇이 있는지 알아보도록 하겠습니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTkz/MDAxNzMxODkxMTU1NTcy.NwOA76GGswbteaYENHuVeayPy82xQm_JU-b15IgLAncg.UANk3V3oXTcsR3qDHI7mdUvfOwgTm-HhlWEtVbrVqh4g.PNG/05_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fa5eb2465a0a14942880d35c507371954.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTM4/MDAxNzMxODkxMTYzOTAz.9IWWGuGNQOByQo8LlaMYtrUGhuUlj7c4m7159UJI5HYg.eUsYYuSeoct9c-8K9cAEdrUXBV90nZL_HbZE8r4UALsg.PNG/05_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fc387feaa01ef411891d46dd8a962a328.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 158px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e여러 자산에 투자하는 펀드는 그 소득원천에 따라 다양한 이익이 존재합니다. 주식매매차익, 채권매매차익, 이자, 배당, 환차익 등의 이익의 종류는 다양하지만 세금의 종류는 단 한가지입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e일단 펀드의 다양한 소득은 세법에 따라 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세되는 소득\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세되지 않는 소득\u003c/b\u003e으로 구분됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식 매매차익\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식선물 관련 매매차익\u003c/b\u003e에 대해서는 과세하지 않으며,\u003c/u\u003e 이런 이유로 투자수익의 대부분이 국내주식 매매차익인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식형펀드\u003c/b\u003e를 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e절세상품\u003c/b\u003e이라고 말할 수 있는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e그 외 \u003cu style\u003d\"background-color: inherit;\"\u003e펀드 안에서 발생하는 다른 소득은 모두 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득\u003c/b\u003e으로 과세\u003c/u\u003e하고 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjE5/MDAxNzMxODkxMTc3MDA1.5ks4OifEvouDhC3HgP5eVSD-vTObWVgeMwTzrjaYzjYg.tATZiGDbgw84NnOXq4--5T2NNO3z0sZtSgUfRR4iBH0g.PNG/05_09.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Feddcb8a278fa447496a8686d837a07c2.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTUx/MDAxNzMxODkxMTg2NjM2.tUrtXmqRA3poC3h5Kw7hEY4muiZyAGgFT4_tF0fafhwg.WezEn2BxcdGyLXFehZtnfToxlgtrvg6cVtW2OoCwv54g.PNG/05_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fff219ac6e93c45558af8f6930351b9f1.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 201px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e그러므로 국내주식형펀드 안에서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식\u003c/b\u003e은 물론 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e채권\u003c/b\u003e이나 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e예금\u003c/b\u003e 같은 곳에 일부 투자될 수 있으며, \u003cu style\u003d\"background-color: inherit;\"\u003e주식배당이나 이자수익과 같은 소득에 과세\u003c/u\u003e될 수 있습니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e그리고 채권의 경우 직접 투자할 때는 매매차익에 세금을 과세하지 않지만, \u003cu style\u003d\"background-color: inherit;\"\u003e채권을 펀드에 담아 투자하는 경우 이자뿐만 아니라 채권의 매매차익도 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득\u003c/b\u003e으로 과세\u003c/u\u003e합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e이범기 과장님의 경우, 이런 이유로 펀드 전체에서 손해를 봤어도 채권의 매매차익은 과세대상이므로 배당소득세를 내야 하는 것입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjE0/MDAxNzMxODkxMjAxNDgy.Tc4y1LY8VRcsCTThZY9OMuc3xJvrQwZAY8R0-izg7xgg.Jne11371DQ1i_cu0TraCw17ehibKh939cTQsYDS_05Ug.PNG/05_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F20cb4c9adf8a4c6895d14592093cdec9.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 567px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjc0/MDAxNzMxODkxMjExMTYy.KclxZx3wR1J13t-m3AJvkDiSIo-JGiihHn3SZCu8S3cg.PDBEBaL65ezK5FLziKbnufhRLomesijrf2SPHYtqzncg.PNG/05_12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F303c90a5536c4917a45fd078c87e35e1.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 89px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e펀드 투자 시, 1년 동안 발생하는 소득은 배당소득입니다. 금융소득(이자, 배당)이 2천만 원을 초과하는 경우 금융소득종합과세 대상자가 될 수 있기 때문에 \u003cu style\u003d\"background-color: inherit;\"\u003e펀드의 배당소득이 언제 발생하는지 아는 것은 매우 중요\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e펀드는 보통 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e결산일\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e환매일\u003c/b\u003e에 과세됩니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e펀드 결산\u003c/b\u003e이란 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e펀드에서 발생한 수익금을 정산해서 재투자하는 절차\u003c/b\u003e로, \u003cu style\u003d\"background-color: inherit;\"\u003e일반적으로 펀드에서 수익이 나면 1년에 한 번 정해진 날에 결산하여 수익금을 지급\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대부분 재투자가 되어 운용되므로 실제 현금이 입금되지 않지만 소득이 발생했으므로 배당소득세가 과세됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e대신 결산 이후에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e환매할 때\u003c/b\u003e, 결산일 이후에 발생한 이익만 과세되므로 \u003cu style\u003d\"background-color: inherit;\"\u003e배당소득이 자연스레 분산되는 효과\u003c/u\u003e가 있습니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNTYg/MDAxNzMxODkxMjI5OTMz.ndHgUpwjt-ZkYTsLbn4H11yJX7Syotnch5nLA-aOLrQg.vkur0Khvm5egEhPE0FXV-ITKb-o26v1Gs_wmLGuowSMg.PNG/05_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F72e6f0ca657b4c5a979b3656fc6d8cd5.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 234px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e물론 펀드별로 결산일에 수익을 정산하지 않고 \u003cu style\u003d\"background-color: inherit;\"\u003e환매할 때 전체 투자기간 동안의 수익에 대해 세금을 내도록 정하여,\u003c/u\u003e 위와 같은 상황을 피할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e그렇지만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e장기간 투자해서 수익이 누적되는 경우 환매할 때 배당소득이 한꺼번에 생겨 세 부담이 커질 수도\u003c/b\u003e 있으니 주의가 필요합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTk5/MDAxNzMxODkxNTU0NjY4.Y0SK00beaptmmT7lXctmDgoKAEeahMrjxrv_p7acb4Yg.T8niz0kv5gz4D4vFEQWQDEM02JHsF8peg7fiIFUQPxYg.PNG/05_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F0c6850a387d04cb383e98e51fb98c02b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 964px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTA3/MDAxNzMxODkxMjYwOTIz.W0P-YT3Uq7w0dVmDr7uEPxBS27Ss6-sbz-BTr9CkBcEg.JBlX8oNdpgE2_s7HWNJSCCEDIYDice6bt8sBlwrMy3cg.PNG/05_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F8efe62f5cf27466b971e603674270b4a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 95px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTM5/MDAxNzMxODkxMjc3MDA5.Ur0LurmPQcM4qvuptKkfl7I1ofOU_ZLUgK6OtdFSOZEg.mzEbdcpJ6atEYW7dD_WamZ_XH6xkxWaX_88TAv9Fsssg.PNG/05_16.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F896e355773ae4f069b6576540d0092cf.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 203px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTU1/MDAxNzMxODkxMjc3MDMz.jI-TP95d4yPfBLa6YQDtT4ZwKOB_K83R8CbuyEzyQ8wg.KjWd8T3KVKmlTXq4SX6_8cLww2HMGaTgv3H6nEmD_zog.PNG/05_17.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F97a8e71a54e9429eadb8d66668f53ae3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 195px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식처럼 거래되지만 실제 펀드에 해당하므로 \u003cu style\u003d\"background-color: inherit;\"\u003eETF 매도 시 증권래세는 발생하지 않고,\u003c/u\u003e 주식의 배당이나 채권이자와 같은 개념인 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eETF 배당금\u003c/b\u003e(분배금)은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득세\u003c/b\u003e\u003c/u\u003e가 과세됩니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 ETF를 팔아 매매차익을 거두었을 때, 그 양도차익에 대해서는 해당 ETF가 어느 시장에 상장되어 있는지에 따라 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득세\u003c/b\u003e 또는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세\u003c/b\u003e를 과세합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식형 ETF는 비과세\u003c/b\u003e입니다. 즉, 국내주식형 ETF는 지급되는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당금\u003c/b\u003e에 대해서만 배당소득세를 과세하고 다른 세금은 없다는 것입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjAg/MDAxNzMxODkxMjk0MzAy.FJxQ-gCFr9M1gRebvssntOPGnp2s7y9X9FIT7v6923Ag.jpr074882TNYoWecQPo6oJXjztqhDbjLt7rZVncPHqQg.PNG/05_18.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fd10c1d2939d142f3bbdb9a323e8d632a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 445px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 5px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTQ5/MDAxNzMxODkxMzAxNTIy.iTjZyWQckiWrWvtAQfnRW6aFSlvJWvL3gO1mSDrbEnog.H14HvGMNrUpAluUWtRT11CGOjS3cD73u-8722yaiY-cg.PNG/05_19.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fe684978b33ce478f91229e94a6ccc81c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 229px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e예를 들어 국내에 상장된 해외주식형 ETF를 매입해서 18개월 동안 보유하고 있다가 팔아서 이익을 얻었다고 가정해 보면,\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e배당금에 대해서는 15.4%의 배당소득세를 원천징수하는 것은 국내주식형 ETF와 같습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e하지만 과세하는 방법에는 조금 차이가 나는데요.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해외주식형 ETF는 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분배금\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e보유기간 동안의 과표기준가 증가분\u003c/b\u003e 중, 적은 금액에 대해 15.4%의 배당소득세를 과세\u003c/u\u003e합니다. 그리고 \u003cu style\u003d\"background-color: inherit;\"\u003e매매차익에도 같은 방법으로 배당소득세를 과세\u003c/u\u003e합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e즉 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e분배금과 매매차익 모두 과표증가분과 비교해서 더 작은 것에 배당소득세를 부과\u003c/b\u003e한다는 의미입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNjkg/MDAxNzMxODkxMzIyODcy.bShen03D92bxfgranZXW0KbBUxhncnpnQH-mXnRIWZAg.v2AK2ifDgQ63fTi84GItbqtgVPONZNzAjceFf0Zol2Mg.PNG/05_20.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fcbe02b081b2947c3a9382d142b208e2f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 464px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTcg/MDAxNzMxODkxMzIyODc0.M9IugLX4BL4TIfbat7VM86G7v910r_Xi_eK4PWXo3IUg.eVmO3AN1yEHDgirPbPXLNOZZXUmjQ6u-NIbmiKugzv4g.PNG/05_21.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F5cf0b66a8aa84030ab16cfb752c59c3e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 195px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_23_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTYg/MDAxNzMxODkxMzIyOTU1.eeO-B0GlS4U-LUjppqx8jvvnFO_rf8PRhMQGYTMKd7Ug.0VANmkBMYDOCVbKPIwJizWvOOIO9WE_nh4Ty8WUcJ-0g.PNG/05_22.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_23_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Ff29ce9434e4642f3b1bb6be194728b74.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 197px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e한국거래소에 상장된 ETF\u003c/u\u003e는 투자대상이 국내주식이든 해외주식이든 상관없이 \u003cu style\u003d\"background-color: inherit;\"\u003e세법상 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e신탁형 펀드*\u003c/b\u003e로 보기 때문에 배당소득세를 과세\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 \u003cu style\u003d\"background-color: inherit;\"\u003e해외에 상장된 ETF는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식\u003c/b\u003e으로 보기 때문에 매매차익에 대해 양도소득세(22%, 지방소득세 포함)를 부과\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e* 신탁형 펀드: 집합투자업자와 신탁업자 간 신탁계약 체결로 만들어지는 펀드를 말하며, 일반인들이 투자하는 펀드의 대부분은 신탁형으로 이루어짐\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_24_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMzQg/MDAxNzMxODkxMzU4ODU0.tEeJd3Yd4Ahr678_rVDm2cNTxuOibSPw61Md2l3T1R0g.wdGoAItisMSfOzkZ4aHQ5smlzCT3bEGPzPGSjpH-19cg.PNG/05_23.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_24_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F2716b412034c4629b892d63102ce7a1f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 412px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_25_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTk0/MDAxNzMxODkxMzc2OTkw.IRVPsdTbHsLMnXEtiOPKaTgrv9XH95hgT6u0mkr6JUQg.K4Ole4wW9aBaTfrqPKp4Xp2OtHdMVLw65Cgtfhqhpu8g.PNG/05_24.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_25_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F6c36618927474be4b192b126c14034ce.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_26_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjcg/MDAxNzMxODkxMzc3MDEy.bpTVQmuGioPluABB87RYO8NJQdCb-Qwt2rZ4H6E4d4Ig.F1xNyycJm5p5dhPN8V0axPxlyoxtI0LmYRUeJxoNh9Ug.PNG/05_25.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_26_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F371b0c8f8d794eed99a23fd3629c8163.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 145px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e연금계좌\u003c/b\u003e에서 발생하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소득\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e모두 연금소득이나 기타소득으로 과세\u003c/u\u003e되고, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003c/b\u003e에서 발생하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소득\u003c/b\u003e 또한 \u003cu style\u003d\"background-color: inherit;\"\u003e비과세 및 분리과세가 적용\u003c/u\u003e되어 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득종합과세\u003c/b\u003e를 대비할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 절세계좌를 통해 투자 시, 모든 펀드나 ETF에 투자하는 것보다 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세가 되는\u003c/b\u003e 펀드나 ETF\u003c/u\u003e에 투자하는 것이 더 큰 절세 효과를 볼 수 있습니다. (연간납입금액이 정해져 있기 때문)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e단 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e절세계좌의 한 가지 아쉬운 점\u003c/b\u003e은, 바로 \u003cu style\u003d\"background-color: inherit;\"\u003e해외 유가증권(주식, ETF 등)에 투자할 수 없다\u003c/u\u003e는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약 절세계좌로 해외투자를 하고 싶을 때는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내에 상장된 해외주식 ETF\u003c/b\u003e, 다시 말해 국내에 상장되어 국내 운용사가 운용하는 ETF를 통해 해외주식에 간접적으로는 투자가 가능합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_27_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjQ1/MDAxNzMxODkxMzk0ODA5.-lkJUHN8T15kACw3dLqaPSIVirEunOH09pXCQPEEy7Eg.HBCzYtZulC__v0wumvejrZMf3QrCdaN3TVcz8E_VPbgg.PNG/05_26.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_27_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fcd51a1e3fb4b4012b83e3f1af613ceb4.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 217px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이렇게 절세계좌를 활용할 수 없는 해외투자(해외주식, 해외상장 ETF) 시에는 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e증여\u003c/b\u003e를 통해 매매하는 절세 방법\u003c/u\u003e이 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e증여재산공제금액\u003c/b\u003e(배우자 6억 원, 자녀 5,000만 원)만큼 증여세 없이 증여 후, 증여로 인해 높아진 취득원가로 양도차익을 줄여 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세를 절세\u003c/b\u003e할 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_28_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjg3/MDAxNzMxODkxNDA5OTY1.RDMWCe0Y5VC16Yv3MU3PksqVf7GHpnUIpbaDjvsTiEMg.SQLwH2VKo0GcMziCnqAQOp3YrW03QcmuZiBXD_YY4vIg.PNG/05_27.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_28_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fd8dd7bb6b8fd4a6080495bc95e468376.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 592px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_29_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTg0/MDAxNzMxODkxNDE5MzY4.bqcWuMpQK3RMcdYKjKHEua98wd9UG-zWnvkjw2ec8Ucg.HUGvOb75nIwIC-kTlHJNRQiFvd5ABv0GsfH4YXx8caEg.PNG/05_28.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_29_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F36a1156bf1394a53a94e4f9918d7906b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 207px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_30_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjI4/MDAxNzMxODkxNDE5MzY2.P1B5pAUXD9Bx2RHsCmfpd3k2HUW12ataA5VsXPGGomwg.gipMFDHR8xNwnlkjCkVq_MgCkpNynpQkThYKc4CyMJkg.PNG/05_29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_30_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F7545edd249ee4c4ea8a8cd1f622190cd.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해당 방법이 절세를 위한 방법으로 유명해지면서, 모든 금융상품을 증여 후 매매하면 절세를 할 수 있다고 오해하시는 투자자들이 꽤 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 금융상품마다 과세 방식이 다르므로 무조건 증여를 활용하는 것이 절세를 위한 방법이라고 볼 수 없습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e특히 펀드의 경우 세법상 보유기간 과세대상입니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 다른 사람에게 펀드를 증여할 경우 \u003cu style\u003d\"background-color: inherit;\"\u003e해당 펀드의 보유기간 동안 발생한 과세표준기준가의 증감분은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e증여자의 배당소득\u003c/b\u003e으로 과세\u003c/u\u003e한다는 것이며, 이는 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내시장에 상장된 ETF\u003c/b\u003e에도 적용되는 내용\u003c/u\u003e입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그렇기 때문에 본인 명의로 발생할 배당소득을 줄여서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득종합과세\u003c/b\u003e를 피하려고 증여를 활용해도, \u003cu style\u003d\"background-color: inherit;\"\u003e증여한 시점까지 발생한 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과세표준기준가의 증가에 대한 배당소득\u003c/b\u003e은 본인에게 발생한 소득으로 과세\u003c/u\u003e됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 1,000원(과표기준가 1,000원)을 기타형 ETF에 투자했는데 현재 평가금액이 1,500원(과표기준가 1,300원)일 경우 증여를 하면 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e보유기간과세\u003c/b\u003e에 따라 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e본인(\u003d증여자)에게 300원만큼의 배당소득\u003c/b\u003e이 발생하게 되는 것입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_31_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjI5/MDAxNzMxODkxNDQzMTc3.lUj7Y7jMaDAmgNI2AJCa2WrPqnyy5QpiC7FFCPy6VCIg.iiwStgNPVrUfkbkvZ7rvWRkOzGe95FUIQqsD9pHMOmUg.PNG/05_30.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_31_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fe4466b8c10794b4ab5fc7c3de0bb7122.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 234px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 발생한 배당소득으로 인해 금융소득종합과세 대상자가 될 수 있다는 점도 잊지 마시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_32_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjk3/MDAxNzMxODkxNDU2NDY4._LYHSM7HOrkuPPYF4uVg0NSM3lv8mEEeklqfqagXuOMg.g4haCyi_uYUxvqxYV4_9rr6kIga0PCS1pHveEVn6LzUg.PNG/05_31.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_32_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F23a4e6a30a2b4ea69b35fb3a62d86d1d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_33_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNjAg/MDAxNzMxODkxNDU2NDY4.XKqRiQk6PVMmxRtTwrbaAdYfoIBJzCK9rmVjmK2g3H0g.n8f4fZzM__cHOL1ZHz3IB_A5Vj08FxNJLX61Q-AgCfUg.PNG/05_32.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_33_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F55f5aad80bd14a08b6cd8c887fbb5a75.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 210px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_34_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMTQ4/MDAxNzMxODkxNDU2NTM0.3mKhxKu3mz0xCsyxTGlgINuPA50am8cSvO35MK6Ky90g.HUUeHDmD2GHmMG-kZs-ERxpEaNK6bwFdOWOK3XO7HzMg.PNG/05_33.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_34_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F777ce5b043014e238fc2433f1aa79b1f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eETF가 보유하고 있는 주식에서 배당금도 나오지만, 이외에도 채권에서 발생하는 이자, 현금운용수익, 주식대차 수수료 수익 등도 일부 발생할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003eETF에서는 이를 모두 모아서 투자자에게 \u0026lsquo;분배금\u0026rsquo;으로 지급합니다. 정확한 표현은 분배금이지만, 편의상 \u0026lsquo;배당금\u0026rsquo;이라고 쓰는 경우도 많습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_35_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfNTkg/MDAxNzMxODkxNTQxNDM4.wGeT_g4RVA5IGldWGcZqqzU7ckPGL66oaJryUFDSHSAg.sSw0NtGxXZxpLIdaOq-52hGZbwxCOetz4i9LnFmpGZ8g.PNG/05_34.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_35_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fe6887043a64444638419b5506efbdf0e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 231px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.4px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_36_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMjk1/MDAxNzMxODkxNDg2MDQw.4bvUZ4nnkOzf96uk968Ff540YdYgV_c0xmYXx8qP_Vcg.zIrNvkGxvK4YY8QA_rxli5np8hxcGsuUpKlw9w13jh8g.PNG/05_35.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_36_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2Fa69bdc2da1fd4b7ab3b4c4272b5c378f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e펀드는 다양한 자산에 투자하며, \u003cu style\u003d\"background-color: inherit;\"\u003e편입된 자산에서 발생하는 소득 중 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e비과세가 되는 경우\u003c/b\u003e가 있기 때문에 실제 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기준가\u003c/b\u003e의 차익에 따른 소득이 모두 과세되지는 않습니다.\u003c/u\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_37_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfOTAg/MDAxNzMxODkxNDk0NzI0.q8qiHEsCksQ3pNA7ZG-lZtoKJVyMMcL0oIPxwJAMZdwg.Y16KveoAXhAqfJW-7yJNxx7MxcCkaooXUBPEIo6DcZYg.PNG/05_36.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_37_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F74a3a66fe0214f26a58817d5e9d9c2bc.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 230px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 펀드는 기준가와 과표기준가 등 2개의 가격이 있고, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기준가\u003c/b\u003e는 \u003cu style\u003d\"background-color: inherit;\"\u003e일정 시점 펀드의 실질가치를 나타내는 펀드의 가격\u003c/u\u003e이며, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과표기준가\u003c/b\u003e는 \u003cu style\u003d\"background-color: inherit;\"\u003e세금을 산정하기 위한 기준가격\u003c/u\u003e을 의미합니다.\u003c/span\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 소득의 원천에 따라 세금 적용이 달라지므로, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기준가\u003c/b\u003e와 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e과표기준가\u003c/b\u003e에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e차이가 발생\u003c/b\u003e합니다. 그 이유는 비과세되는 소득이 과표기준가에 반영되지 않기 때문입니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731892813259--482827857_image_38_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMThfMzMg/MDAxNzMxODkxNTA1ODIy.HzIBIb_CVYAEM_FCQvt5g1-tdsb9EfME7Zix03NyOcwg.aRm4tJB-5Hd7U_h9Y9y0XGCU_oqaQ39C4jaZu0TR6AUg.PNG/05_37.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d40545179\u0026amp;memberNo\u003d36072321\u0026amp;navigationType\u003dpush#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731892813259--482827857_image_38_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-18%2F352f23f8307942c2bb54093239e34e2e.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 212px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e만약 수많은 펀드 중 내게 적합한 상품을 찾는 것이 쉽지 않으시다면, 금융감독원에서 제공하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e파인\u003c/b\u003e의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e펀드 다모아\u003c/b\u003e\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e(\u003ca class\u003d\"se_link\" href\u003d\"https://fine.fss.or.kr/\" rel\u003d\"noopener noreferrer noopener noreferrer noopener noreferrer noopener noreferrer noopener noreferrer noopener noreferrer\" style\u003d\"color: rgb(96, 140, 186) !important; text-decoration: underline; cursor: pointer;\" target\u003d\"_blank\"\u003ehttps://fine.fss.or.kr\u003c/a\u003e)\u003c/span\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e를 이용하시면 더 편리하게 상품을 선택하실 수 있을 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e펀드의 수익률을 기준으로 쉽고 간편하게 펀드를 비교할 수 있으며, 펀드를 유형별(주식형, 채권형, 혼합형, MMF, ETF, 기타 등)로 분류하여 6개월\u0026middot;1년\u0026middot;3년 수익률 기준으로 정리해서 펀드 정보를 확인하실 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-10-25%2Fbd4a93dcb6a045e2a015289cce9f19a0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/setechWebBook/web_view?type\u003d3\u0026amp;menu_idx252\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2017\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2025-01-03%2Ffaa44fa5d7bc4e1fb365c1869a09e482.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e해외주식 700만 명, 세금 몰랐다가 종합과세? 국내주식도 혹시\u0026hellip;\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/greatWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2015\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F42563b3bac954a40b38ddb2fa06b81a3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e헷갈리는 절세형 금융상품(비과세, 분리과세, 소득∙세액공제)\u0026hellip; 나는 어떻게?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 60.77px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n","view_yn":"Y","content_code":"B0000680","play_cnt":116759},{"webtoon_desc":null,"thumbnail":"contents/2025-01-03/acc0364e27004a55aa7c811b619089bf.png","keywords":";[투자\u0026세테크 Knowhow] 해외주식 700만 명, 세금 몰랐다가 종합과세? 국내주식도 혹시…;해외주식;주식투자;주식과세방법;해외주식과세방법;양도소득세;배당소득세;금융소득원원천징수;절세방법;절세전략;기본공제금액;증권거래세;양도차익;","mobile_use_yn":"Y","type":3,"title":"[투자\u0026세테크 Knowhow] 해외주식 700만 명, 세금 몰랐다가 종합과세? 국내주식도 혹시…","show_order":15,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Nov 14, 2024 9:59:22 AM","menu_idx":252,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":2017,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 35px; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외주식 700만 명,\u003cbr /\u003e\r\n세금 몰랐다가 종합과세?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T1\" style\u003d\"font-size: 28px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식도 혹시\u0026hellip;\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; 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vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-justify\" style\u003d\"margin: 0px auto; width: 700px; text-align: justify; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"position: relative;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; 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text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfODMg/MDAxNzMxMjk3ODIzMTIz.7TY1uUG7GYhxZCmF_qxAko9eqFPaROgleZOwj9aVr5Eg.DWGU9oix6AqNl64Qcnb5MhG84yhR7ygb3gTcqw8Ah58g.PNG/04_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Ff2dd349db5974348857cd321ce87ce4a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 248px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e게다가 어떤 사람은 이익이 많이 났어도 세금을 거의 안 냈다고 하고, 다른 사람은 세금 때문에 별 재미를 못 봤다고 하고\u0026hellip; 왜 그런 걸까요?\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외주식 이민자, 700만 명 넘었다는데\u0026hellip; 세금은 어떻게?\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e팬데믹을 거치면서 주식이나 금융상품에 관심을 가지는 분들이 크게 증가했는데, \u003cu style\u003d\"background-color: inherit;\"\u003e2023년 말 국내 상장법인 주식을 보유한 개인 투자자가 1,400만 명을 넘어섰다\u003c/u\u003e고 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e게다가 요즘 해외투자에 대한 관심이 높아지면서 해외주식, 특히 미국주식에 직접 투자하시는 분들도 많아졌는데, 근래에 서학개미라고 불리는 투자자가 710만여 명에 달한다고 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이 같은 추세라면 2024년 말에는 1,000만 명을 넘어설 것으로 보인다는 전망도 있는데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 해외주식은 국내주식과 과세방법이 달라서, 많은 분들이 헷갈려 하십니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTJfMTIz/MDAxNzMxMzcwNjM0NDA3.tLokyUocotJIcRj1P4gpoFtHJn4uu1QEBUTChLUWYVkg.DvmRCTAYzxqHhuQOGqhlIVlAGj8XmG_F2-e3kCQZumog.PNG/KakaoTalk_20241111_193207330_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F44e0bdc7f9f54d839b0b8aa2f8841c37.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 195px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTJfNzUg/MDAxNzMxMzcwNjQzMTEz.k7X9neg6HAchEB_NniToGIstm7VO5_zysNbZQFsaKREg.uN1W60XtI1Hw4GPaZNfsJVlXiYyCV9VStEyu02gA9mUg.PNG/KakaoTalk_20241111_193207330_03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F42b01469d90d4e8aa159cd89cbe858d5.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 188px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTJfMTUz/MDAxNzMxMzcwNjU2MzY1.besNWH6BrVVQxU8kiG1k4TfyLmDzCkWKMZXRaA6As40g.j18TWHYHKJXSIwwGxVjv6JPnODdAOZmc6FFf1Ub7OOwg.PNG/KakaoTalk_20241111_193207330_04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F53fa0affc33c4b50999f4dca28840cc1.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 863px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfNTIg/MDAxNzMxMjk3OTE3MjUx.P0zQCioAEjCOiZC75nBLBySuoMN_rOX4oIqtrHOFEpYg.G0nXeeIJma18wYYAKEGvTuBr_5KOVOwVwjtFQyBjcXYg.PNG/04_06.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F9100c9f71b6a44a586b41b8a06a7b8fb.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 208px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(164, 98, 6); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그래서 오늘은 주식 투자 시 발생하는 세금과 국내주식∙해외주식의 과세방법은 무엇이 다른지에 대해 살펴보도록 하겠습니다. 그리고 세금은 어떻게 줄일 수 있는지도 알아보겠습니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjQz/MDAxNzMxMjk3OTQ2MTIz.Ohc62PEULsGPyKkf1PxULyNOO2f6OIjvqgw7bAeKuE4g.SkTiJvpZnZIPAn7SsteT5anUONULjk5mmgiMQIdnGtkg.PNG/04_07.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fa3c715f95aa64ee2a746f2bd0296f4fa.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTk4/MDAxNzMxMjk3OTUzNzA4.7nCWL-67MZY44zjlK6eqf4DcEjYi7cJcY174hiE71gMg.pA6IW2Qcg6EtUwFbE35yg1aQVahy5NYogm9Kruxm_bkg.PNG/04_08.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F99d47f991b1f4c4f8ed639f8407a8c96.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 148px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e원칙적으로 모든 소득에는 세금이 발생합니다.\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e당연히 주식 투자 시에도 소득이 발생하면 세금이 발생하며, 대표적인 소득으로는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e보유\u003c/b\u003e 시의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e매도\u003c/b\u003e 시의 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득\u003c/b\u003e이 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e그리고 모든 소득에는 세금이 발생하듯이, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득\u003c/b\u003e에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득세, 양도소득\u003c/b\u003e(매매차익)에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세\u003c/b\u003e가 과세됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e이렇게 보면 국내주식과 해외주식의 과세방법에 별다른 차이점이 보이지 않지만 결정적으로 다른 점이 있습니다. 바로 국내주식의 경우 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e소액주주가 보유한 상장주식의 양도차익\u003c/b\u003e은 예외적인 사항을 제외하고 비과세 대상\u003c/u\u003e이라는 점입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTJfMTk3/MDAxNzMxMzcwNjY4MTMz.jtpGgpPd-qqHJwno6HE6D8HVpq_mYk-taFfDHSht4Osg.tmoqMxnJlNzxKuA3ks5WcqRFReIS8bWCDg3060gqFmsg.PNG/KakaoTalk_20241111_193207330_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F6627230e65424304a8a1c1d36d796f10.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 517px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(51, 51, 51); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTIx/MDAxNzMxMjk3OTgzNTgx.kEgNiqWaJZDi0wq5Q4vUE8zR6UlUFoU6H0dpAMm2mwYg.BSdWw7RQR9efSDbqHktog5nPGw2zi3vcKYi4sAIGJdAg.PNG/04_10.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F4d23417cb5594e65bd9f62b8ffe7076c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 83px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjA0/MDAxNzMxMjk4MDEyMzk5.99ffTMhfkEoLGk95o-1NpZRwSJooE4oG3GXz_VYnYXkg.XQsxVeM2U1yuLaQ5TqVV_FPEeeirZ9fF6Ho5qbVb8Isg.PNG/04_11.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F81357a45fe5249ad8ee90ab502bb5c0d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTg2/MDAxNzMxMjk4MDIzNTc0.hlVfBOYSd-T2jbsyw7FddWfvbUc9kffu9QRIoMts8-cg.hEBl4AD5G2vXwFv1gT60PFDe2pmNxR5o9ekykLj272Eg.PNG/04_12.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Facb8670291594793899879291baafeec.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 국내 금융회사가 국내 원천징수세율(14%, 지방소득세 10% 제외)과의 차액을 추가로 징수합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이는 해외에서 원천징수되는 세율(미국 15%, 중국 10% 등)이 국내에서 원천징수되는 세율과 다르기 때문인데요.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e미국주식\u003c/b\u003e에서 배당소득 100원이 발생\u003c/u\u003e했다면 미국과 한국의 제한세율\u003csup\u003e*\u003c/sup\u003e은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e15%\u003c/b\u003e이므로 \u003cu style\u003d\"background-color: inherit;\"\u003e미국 현지에서 배당소득세 15원을 징수하고 차액인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e85원\u003c/b\u003e이 입금\u003c/u\u003e되며, 한국 배당소득세율인 14%보다 제한세율이 더 높으므로 \u003cu style\u003d\"background-color: inherit;\"\u003e국내에서 추가로 징수되지는 않습니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e중국은 배당금에 대해 10%로 원천징수를 하기 때문에, 국내 원천징수세율(14%)과의 차액인 4%에 지방소득세(소득세의 10%)를 합산한 4.4%를 국내 금융회사에서 추가로 원천징수 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e* 제한세율: 세법에서는 조세조약을 근거로 하여 배당소득에 대해 제한세율을 적용해서 원천징수하며, 제한세율이란 조세조약에 따라 적용할 수 있는 최대한의 세율입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjg5/MDAxNzMxMjk4MDQwOTgw.3BS-Mkvoh1YoPgNzixg2sF2v0T10EBmHPEoQKEq7Uwwg.F3BplZ6nD9oCNgkXsn1wIJSukR40eoykQQM5DcLhLvwg.PNG/04_13.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F591f590f0f2f479896daf352328bbda8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 347px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e결국 배당소득세는 어느 나라의 주식에서 배당을 받는지에 따라 적용되는 제한세율이 달라질 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTMy/MDAxNzMxMjk4MDUzNjU4.LH_jI-qYxVIwsFQ1pma_hDan7qgFpqleUCrjqUkxTJkg.DuTtiGVcYZxbNBgBft_JBUMO3zejsFslLaUdPKjPzZMg.PNG/04_14.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F473f4a05556640668709c6bddd077a18.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 197px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e각 금융권에서 국세청에 제출하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득 원천징수영수증\u003c/b\u003e\u003c/u\u003e에는 국내에서 원천징수된 세액만 기재되어 있고, \u003cu style\u003d\"background-color: inherit;\"\u003e해외 현지에서 납부한 세액은 반영되어 있지 않습니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그래서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e금융소득종합과세\u003c/b\u003e를 신고할 때 \u003cu style\u003d\"background-color: inherit;\"\u003e해외현지에서 납부한 세금이 있다면, 꼭 거래하는 금융사에서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026lsquo;외국납부세액명세서\u0026rsquo;\u003c/b\u003e를 발급받아 첨부해야 이중으로 과세되는 것을 방지\u003c/u\u003e할 수 있습니다.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjYx/MDAxNzMxMjk4MDY4OTc4.A2Njs3e5jvj5MISPENWs5LoUSXEWo9l_XzzREdVGtkUg.TiMW3iRJdd24055CPwld1_FmzXWVRNHAL5XIYV_Q794g.PNG/04_15.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F3973f0fdc91240639132eefafe0a33fc.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 83px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfNzgg/MDAxNzMxMjk4MDc3MTQ4.2aY-Nq9oHJkap7-HeFDnCxqBJxkv-idRr2khGq4kT-Ug.IWbByRLkb6l5TOoeRA5tPY62SMWNqLXPpi4CIfYOEXAg.PNG/04_16.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fc6496003e0814d03a551b894533bcef1.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 196px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjA5/MDAxNzMxMjk4MDg1MTUy.rO_nREV5D2ciufu70SgHLSaqrngM8jpH1GQI-UALEzog.s6dOBwc5R6QIXpkulOTPHGlfwI8ggUk7ZQtpMODPa_0g.PNG/04_17.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F83a1a96db6a640fbb65bef37e34340b8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 196px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다시 말해 같은 해에 발생한 양도차익(+ 수익)과 양도차손(- 수익)을 합산하여 순수익 부분에 대해서만 과세한다는 것인데, 이를 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e손익통산\u003c/b\u003e이라고 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2023년\u003c/b\u003e에 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eA라는 해외주식을 매도\u003c/b\u003e하여 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e3,000만 원의 이익\u003c/b\u003e을 거두고, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eB라는 해외주식을 매도하여 2,000만 원의 손실\u003c/b\u003e을 보았다면, \u003cu style\u003d\"background-color: inherit;\"\u003e2023년의 양도차익은 1,000만 원으로 신고\u003c/u\u003e하면 됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjIw/MDAxNzMxMjk4MDk1MDgx.ZqqwgjpTeAQSaba3o4kgy8W8vHaxtlkeBaLbDle_kJwg.1Vv_FneSw4nsfEYiaSSt26AXxh5nYbA97LFkdSbuesIg.PNG/04_18.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F2937dc49334246d5b2125a141d78aca8.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 239px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfNzcg/MDAxNzMxMjk4MTA3ODI0.KOhe9tP5qp4xKGtFDlj66juCwRUBONOWhmrfHgYiDTkg.B3RQPd1vUd1tyKQdDYi34KZW6tAoeq7P-j-UDPQIOz8g.PNG/04_19.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fa5fb0c83d55d45cab881081d6e3e470c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 189px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMyAg/MDAxNzMxMjk4MTE3NTMy.U3C15yl0qqeb25w6ulLWsOOw8nTpOWc1Ta-E2wxzvzUg.DIlK7_BAMzj8KZeYK0PF6NJ8LAuZGDCOWQnuJtJVZZgg.PNG/04_20.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F74bbb565ba1a42aca781af047cb97014.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 191px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e다만 \u003cu style\u003d\"background-color: inherit;\"\u003e국내주식과 해외주식의 양도소득세 신고기한이 다르다 보니 주의\u003c/u\u003e가 필요합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e국내주식의 경우 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e반기별\u003c/b\u003e(상반기 매매분은 7~8월, 하반기 매매분은 1~2월)로 신고∙납부를 하고, 해외주식의 경우 다음 해 5월에 신고∙납부를 하므로 기간을 잊지 않도록 해야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e예를 들어 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e비상장주식(국내주식)을 5월에 매도하여 200만 원 손실이 발생하고 해외주식을 10월에 매도하여 300만 원 이익이 발생\u003c/b\u003e했다면, \u003cu style\u003d\"background-color: inherit;\"\u003e비상장주식(국내주식)은 7~8월에 손실신고\u003c/u\u003e를 하고 \u003cu style\u003d\"background-color: inherit;\"\u003e다음 해 5월에 비상장주식(국내주식)과 해외주식의 손익을 합산한 100만 원에 대해 확정신고\u003c/u\u003e를 하는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e그리고 만약 신고액을 과소 신고하면 10%, 무신고하면 20%의 가산세가 발생할 수 있으니 이 점 주의하시기 바랍니다. 또한 납부를 지연하면 하루에 0.022%의 가산세도 납부할 때까지 추가됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjM5/MDAxNzMxMjk4MTM3MTY5.oIvx-xMmoHk4fcDP2J62ANS9U4MQcufv58eHWLLXUFAg.TRqG5oKZskxKOdz4KDb25Neq_iejG4rn0WHGi1Xf9H0g.PNG/04_21.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F35f09baaa5a349fda578a9142f96b06d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 202px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e연간 양도차익이 1,000만 원이라면 양도소득 기본공제 250만 원을 차감한 후 750만 원이 양도소득 과세표준\u003c/u\u003e이 됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e그리고 해외주식 양도소득세는 단일세율 22%가 적용됩니다. \u003c/b\u003e\u003c/span\u003e \u003cspan class\u003d\"se_fs_T4\" style\u003d\"color: black; font-size: 13px; background-color: inherit;\"\u003e(양도소득세 20%와 지방소득세 2%를 합친 세율)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e따라서 2023년에 발생한 양도차익이 1,000만 원\u003c/u\u003e이라면,\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e기본공제 250만 원을 공제한 과세표준 750만 원에 세율 22%를 곱하면 양도소득세 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e165만 원\u003c/b\u003e이 나오며, 이를 그다음 연도인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e2024년 5월에 신고\u003c/b\u003e하면 됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjk4/MDAxNzMxMjk4MTU1NDg4.8fJ0nb1YC96GHcHIoNrd2nlyofESAMPe-3H5aglp2jog.7uhJCaOr29a7fKF35VetzVMXRpW_iBTxirJdrOQE-C8g.PNG/04_22.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Ffe96be89aad14668a11a84612ca1e7ce.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 184px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_23_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTAz/MDAxNzMxMjk4MTY1Njgz.Xkheki00t6nFP1yGe2XnwmVN6FX6kZVVIOCkzfpDsRcg.VqAXrCfHruxERfKi4z5AiEmCrN5AQRo0RTyT0TkPDBIg.PNG/04_23.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_23_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fe463c8a94f5e472689c10c40157da473.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 212px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_24_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfODAg/MDAxNzMxMjk4MTgyNDgy.qbZLchr49EcHaNxQUAM46zwPkrAJGAZraX6uBAAlCu8g.ViVx5IT5DDlH6Zdq57PJZd4WPGw0i8L9d0owtgO0HTcg.PNG/04_24.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_24_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fa0e95716709244afbe0fb867c06b38ef.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 236px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도가액\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e취득가액\u003c/b\u003e은 모두 실제 거래가액을 원칙으로 하고, 취득가액은 양도한 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식의 취득시기가 분명한 경우\u003c/b\u003e에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e개별법\u003c/b\u003e에 따라 그 주식의 실제 취득가액으로 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e다만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e취득시기가 분명하지 않은 경우\u003c/b\u003e에는 먼저 취득한 주식을 먼저 양도한 것으로 간주하는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e선입선출법\u003c/b\u003e에 따라 취득가액을 산정합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 매수∙매도 시 직접 지출한 필요경비(증권거래세, 금융거래수수료, 양도세신고수수료 등)를 차감하여 양도차익을 계산합니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_25_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjI0/MDAxNzMxMjk4MTk2MTg1.tiZFc4NJwWxpckSPqvnxL0RXNm1LXkhXh4mLsaLx1WEg.OMx1OfgAWSVQ42KpE49-9dAsCpiN0qKnoywFzwhcdKcg.PNG/04_25.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_25_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fe3906ab4f5494e31a28d2d75aebfbbd7.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e국내주식\u003c/b\u003e인 경우 소액주주라면 양도소득세를 낼 일이 없으므로 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e배당소득세\u003c/b\u003e에만 신경을 쓰면 되며, 대표적인 비과세 상품인 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eISA\u003c/b\u003e를 통해 효과적으로 절세할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e해외주식\u003c/b\u003e인 경우에는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기본공제금액\u003c/b\u003e과 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e증여\u003c/b\u003e를 활용하는 방법이 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_26_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTQx/MDAxNzMxMjk4MjA2NDEz.5SFnVsbYiOdK_0KKgOO0q2xJ3W8ANuvI7yTPdEA_2Fkg.t4uX___6YuP0EM_t_Fg43dGK22UXvGOucg9TtFtFxqQg.PNG/04_26.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_26_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F7836a47c2dab442fae65f8f1fb01f145.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 592px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_27_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTgx/MDAxNzMxMjk4MjE3MzA0.G2jIrxU_xvX-9R7UXr_FoRoXAkKCXMXtI91oj9pZYc0g.Tdu1x3tLz2Rxxs42_GEKv-8DdPYbZE8o6TMUBGuc1HIg.PNG/04_27.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_27_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F99ca3e84fe2d46e2abb307e90650a923.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 83px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e해외주식의 양도소득을 계산할 때 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e기본공제 250만 원\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e매년 1번씩 적용\u003c/u\u003e할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e해해외주식 투자를 하면서 이익이 발생했다면, 매년 일부 수량을 매도하여 250만 원씩 공제금액을 적용받으면서 양도소득세를 줄일 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eA라는 해외주식에 투자하여 500만 원의 차익이 발생하였다면,\u003c/b\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2024년 12월에 주식의 절반을 매도하여 250만 원의 차익을 실현하고, 2025년 1월에 나머지 절반을 매도하여 250만 원의 차익을 분산 실현하면 양도소득세를 내지 않아도 된다는 의미입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_28_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjky/MDAxNzMxMjk4MjMwMjcw._-K0bQTJdHS5VT7z2Vry4cpGFZv5yoEWrv2MyBCnl7Eg.-fnkofvllPvb8aUJg0Fgj6dIwGYOCosL5e9MBy5pTiAg.PNG/04_28.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_28_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fd74b76ebff3d477790598b2c9af35c95.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 215px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e국내주식과 해외주식의 손익에서 각각 250만 원을 공제하는 것이 아니라\u003c/u\u003e 한 해 동안 국내주식과 해외주식의 손익을 모두 합산한 소득에서 250만 원을 한 번만 공제할 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_29_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfNiAg/MDAxNzMxMjk4MjQ0MjI4.ijcNbW9TYbYDoBNny3WDvJYW_BhmUTsbcFY0GK8iou8g.tZjj8tmuuMB1D8TTvhrktd050gplIOvuArUV5m_ZN5cg.PNG/04_29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_29_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F7cec2d8f5a324efdafc63acac149ea2c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 185px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_30_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTMg/MDAxNzMxMjk4MjQ0MjM3._TnHMl49CDaP0VzT-6XMz80wBT_9nUoUR4BfAmRy7y8g.EFA4rE4A9Zkb25AvBVQ9CgPwVlv-XsG6_NdbFCpFpUUg.PNG/04_30.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_30_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Ff4e9e4944f32499dae8f753f7279af46.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 190px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_31_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTEw/MDAxNzMxMjk4MjcyOTE5.fjqMZAvGzjqgWuBMhGIVmzN-hY8GJCOF752N1A4XD8kg.3JDAcW20XTVF0oit-mFN-I0K0_KS_p06mZkkeD3UFo4g.PNG/04_31.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_31_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fe7142b236fb645938cf17265245a501b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 85px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식을 증여 후 매도하게 되면 \u003cu style\u003d\"background-color: inherit;\"\u003e증여로 인해 매수단가(\u003d취득원가)가 높아지므로 양도차익이 줄어 세금을 줄일 수 있습니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식을 증여받게 되면 재산을 무상으로 받게 되어 증여세 부과대상이 되지만 10년 단위로 적용할 수 있는 증여재산공제금액(배우자 6억 원, 자녀 5,000만 원) 이내의 금액을 증여하면 증여세가 없습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e증여자 입장에서는 재산을 무상으로 주는 것이므로 세금이 발생하지 않고, 수증자 입장에서는 증여받은 가액과 매도가액의 차액에 대해서만 양도소득세를 신고\u0026middot;납부하면 되는 것입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_32_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfNDcg/MDAxNzMxMjk4Mjg0NTEx.9oYf4U-059JOVBNm_-yTJRk16ltytYoIq5vtVdRE__cg.1LDcOnHRF6MPpb1VWsHDrXyx3ZDXD4Gmfzu6WR-qWzUg.PNG/04_32.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_32_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F80699e363f9d47adbd030a77c6efd77a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 186px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_33_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjI3/MDAxNzMxMjk4Mjk5ODQy.4AFcn88Kvzy70Bvf_UkdpfSFwocI7maNH04b7E9ORbEg.AJ738xCKxaKaGoCF_McW8fNNRdCtzMXfGrKR4lF9w68g.PNG/04_33.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_33_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F73cf50f5983f41ce886c3bae1e2db66a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 189px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e1억 원을 주고 산 주식이 3억 원이 되어 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도차익이 2억 원\u003c/b\u003e이 발생했다고 가정해 보면, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세\u003c/b\u003e가 무려 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e4,345만 원\u003c/b\u003e이나 발생합니다. ((2억 원 - 250만 원) \u0026times; 22%)\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이런 경우 배우자에게 이 주식을 증여한 후 매도하면 세금을 줄일 수 있습니다. \u003cu style\u003d\"background-color: inherit;\"\u003e배우자에게 증여할 때 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e6억 원까지 공제\u003c/b\u003e되므로 증여 과정에서 증여세는 발생하지 않습니다.\u003c/u\u003e\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또한 \u003cu style\u003d\"background-color: inherit;\"\u003e증여된 주식의 취득가액은 증여일 전\u0026middot;후 2개월 종가 평균액이므로, 취득가액이 올라가게 되어 양도차익이 줄어\u003c/u\u003e들게 되므로, \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세를 절세할 수 있게 됩니다.\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_34_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMyAg/MDAxNzMxMjk4MzIyODAx.NlbMJTd_98QPjJBj16xwDaH0-1behoLSbqshK87zdA4g.Nbm23ZRwppxoHqYFTCgVQCV5NtcTvYhWeFzEYb-l31Mg.PNG/04_34.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_34_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Faa0f9c76d322410aa3a947b5e67c27c5.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 205px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e대주주\u003c/b\u003e에 해당하거나 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e장외거래\u003c/b\u003e하거나 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e비상장주식\u003c/b\u003e을 거래할 경우에만 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득세 과세대상\u003c/b\u003e이 되므로 단순히 평가손실인 국내주식을 장내에서 매도하면 해외주식과 손실상계를 할 수 없습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e보통의 소액주주가 활용할 수 있는 방법\u003c/b\u003e은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e보유한 손실 종목을 장외거래\u003c/b\u003e한다면 과세대상 양도손실이 되므로 해외주식의 이익과 상계할 수 있습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_35_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfODkg/MDAxNzMxMjk4MzM3MDYy.b1hplpZTddQGCTZZyeJ_S6jdnShI7Ms9K-zVRxTJKLEg.BaRn1LOVGxcrjmMuohRaw7acwXTp2mrXR7K_ibyJjcYg.PNG/04_35.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_35_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fd26d238631654d1885d8075d1d15953a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 176px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_36_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTU3/MDAxNzMxMjk4MzQ3NTA4.QMWQMtEXLsLlC9I8nNK4waBBVlLvsTzQsgkViIszdLog.aKyexhJw-jJPwpnztTmwsUBDAUmAIj6Fb6EDln1qiscg.PNG/04_36.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_36_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F25e9fc89372842339c2eec685f790c2a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 209px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_37_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMjEy/MDAxNzMxMjk4MzU4NTcw.uoPs68xAjjtTq4OcrIv4kDbDSsRp2ZngMK5RiAKRpsMg.RUxMZ2zxinztLkIUUVQ6mwOPTb8RDZciYzDv7unI59Eg.PNG/04_37.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_37_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F78cabe36068a4409bdf2e8521895fd82.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e먼저 알아두셔야 할 점은 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e양도소득\u003c/b\u003e은 \u003cu style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e결제일\u003c/b\u003e을 기준으로 계산\u003c/u\u003e이 된다는 것입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식을 매매할 때는 거래가 체결되는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e체결일\u003c/b\u003e과 금액이 결제되는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e결제일\u003c/b\u003e, 이 두 가지 날짜가 발생하는데, 양도소득을 계산하는 데 있어 중요한 날은 결제일입니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그렇다 보니 \u003cu style\u003d\"background-color: inherit;\"\u003e양도와 취득의 시기도 모두 결제일을 기준\u003c/u\u003e으로 반영되고 해외주식의 양도차익을 계산하기 위한 환율도 \u003cu style\u003d\"background-color: inherit;\"\u003e모두 결제일의 환율이 적용\u003c/u\u003e됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e예를 들어 2024년 12월 29일에 해외주식의 매도주문이 체결됐지만 결제가 2025년 1월 2일에 이뤄진다면 해당 주식의 매도손익은 2025년의 양도소득이 되는 것입니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_38_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMSAg/MDAxNzMxMjk4MzcwNTE1.N77L0VChJ7TBSSL9xaI-WsJDSED-9O3nRm6dgg1bYegg.Or5yWDiQf3UvmoO2ygFgkJj4X6OnKRoKKS_wpmo_g8Qg.PNG/04_38.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_38_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F0cfbd56f7ef54cd8a470ff4370a8364b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 211px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e원화로 계산해야 하기 때문에 매도와 매수 결제일의 환율이 적용되는데, 간혹, 개인의 경우 \u0026lsquo;환차익은 과세대상\u0026rsquo;이 아니라고 생각하는 경우가 있어 주의가 필요합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e예를 들어 미국주식 A를 1주당 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e100달러\u003c/b\u003e(환율 1,000원)에 사서 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e90달러\u003c/b\u003e(환율 1,200원)에 팔았다고 하면 주식에서 손실이 났으니까 양도차익이 없다고 생각할 수 있습니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e하지만 환율을 적용하여 원화계산을 하면 1주당 8,000원($90 X 1,200 - $100 X 1,000)이 이익이므로 양도소득세가 발생하게 됩니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(32, 32, 32); background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_39_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMzgg/MDAxNzMxMjk4MzkyODY0.tAfAyugSxwR75E6oewu0_6xD8WaCjHzE3zS_d9xH9Sog.DMguKTT7x_HfB04L6aA-Tkb5TgLsV_HxaMNTd9tsPGgg.PNG/04_39.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_39_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F7b6b2061af6b4dc69c7a1b7675c413ab.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 143px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e우리나라에서는 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e주식을 매도할 때 매도금액에 대해 증권거래세를 부과\u003c/b\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e2024년 현재 KOSPI 주식의 경우 증권거래세 0.03%와 농특세 0.15%를 합하여 0.18%를, KOSDAQ 주식의 경우 증권거래세 0.18%를 주식 매도가액 전체에 곱하여 과세합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그리고 \u003cu style\u003d\"background-color: inherit;\"\u003e이익을 보고 매도하든 손실을 보며 매도하든 증권거래세는 과세\u003c/u\u003e됩니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e그런데 캐나다, 일본, 싱가포르, 호주, 스위스, 독일, 프랑스, 오스트리아 등의 나라에서는 증권거래세를 걷지 않고 있습니다. 홍콩거래소에서는 거래세를 매수\u0026middot;매도 시 모두 부과하고 있습니다.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_40_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTgz/MDAxNzMxMjk4NDA0MjM3.WusTg0QEOszkz-iR8tlyD-8tNKsd-YbFsqBoelrpREEg.Y0g-BGbTtFENwvYg-ENVkQ_ccREu-PVu6710c7Af5Eog.PNG/04_40.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_40_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2Fdc51e31d31634a40b4758694569224c3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 203px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e미국주식에 대해서는 증권거래세, 즉 세금(tax)이라는 표현을 쓰진 않고 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003eSEC Fee\u003c/b\u003e(Securities and Exchange Commission Fee)라고 하며, 이 \u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e수수료\u003c/b\u003e는 \u003cu style\u003d\"background-color: inherit;\"\u003e주식을 매도하는 경우에 0.01476%를 부과\u003c/u\u003e합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e개인 투자자가 미국주식을 사게 되면, 거래 증권사도 미국 증권 수수료인 SEC Fee의 부과 대상이 되므로 고객의 해외주식 거래 수수료에 포함시킵니다. \u003cu style\u003d\"background-color: inherit;\"\u003e100만 원어치를 매도하면 약 148원 정도가 부과\u003c/u\u003e되므로 큰 부담은 없습니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\r\n\u003cp\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1707976139861-352039614_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-18%2F6f7930472fe143a48dfadfd46b273f97.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 150px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/p\u003e\r\n\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1731370675988--396105417_image_41_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDExMTFfMTAx/MDAxNzMxMjk4NDE4OTYy.jZYmbvomjRxvix9q_tPX5cNEDwNhijtxp01Yxq6P-5og.Rto-ARTxpBHorPyLmAWkz4AClMj3c0rUMQfNT49CejMg.PNG/04_41.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d39889096\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1731370675988--396105417_image_41_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F89df6dfe5cc849bf8767852c5f520fd1.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 201px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e해외주식에 투자할 때 원화로 할 수 없기 때문에 \u003cu style\u003d\"background-color: inherit;\"\u003e현지 화폐로 환전\u003c/u\u003e해야 합니다. 이때 \u003cu style\u003d\"background-color: inherit;\"\u003e거래금의 약 0.2~1.0%의 수수료\u003c/u\u003e가 붙습니다. 이 수수료는 국가별, 증권사별로 다릅니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e주식을 매도하고 매매차익을 출금할 때도 다시 현지 화폐를 원화로 환전해야 합니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e또 해외주식을 사고팔 때도 국내 증권사의 거래 수수료가 붙습니다. 매수∙매도 시 거래대금의 약 0.25~0.5%이고, 이 또한 국가별, 증권사별로 다릅니다.\u003c/span\u003e\u003cbr /\u003e\r\n\u003cbr /\u003e\r\n\u003cspan style\u003d\"color: black; background-color: inherit;\"\u003e이처럼 해외주식에 투자할 때는 수수료 규모가 크기 때문에 거래가 잦으면 손해를 볼 수 있다는 점도 유의하시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1685068362862--109503916_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyMzA1MjZfNDcg/MDAxNjg1MDY3ODAxNzU3.na1peG2k5R3TED888LruIZQORdKECT9J32bLV1HrM74g.OQiKy7WBcw-_gC-SE1F6vYjdsulbunuHuT42rfrSYrIg.PNG/%EC%A0%9C%EB%AA%A9%EC%9D%84_%EC%9E%85%EB%A0%A5%ED%95%B4%EC%A3%BC%EC%84%B8%EC%9A%94_-0020.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://m.post.naver.com/viewer/postView.naver?volumeNo\u003d35962472\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1685068362862--109503916_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-10-25%2Fbd4a93dcb6a045e2a015289cce9f19a0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/greatWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2015\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F42563b3bac954a40b38ddb2fa06b81a3.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e헷갈리는 절세형 금융상품(비과세, 분리과세, 소득∙세액공제)\u0026hellip; 나는 어떻게?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1704934206923--2067168078_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;https://post-phinf.pstatic.net/MjAyNDAxMDJfMTUx/MDAxNzA0MTgwOTY1Mzk5.g8isXWDF0o-xg-wnEak17_HcFhVXM3fOsmfTGgun5q0g.xi_8xgSw8DM0fZk9cOylHLAVjj2LQ-IT1VfxAKFkjTQg.PNG/top_01_re.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;true\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;https://naver.me/FiO17UjT\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/greatWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d2013\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" id\u003d\"SEDOC-1704934206923--2067168078_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-11-12%2F4dd757593b2c4f9d830be00cb24f0762.png\" style\u003d\"border: 0px currentColor; border-image: none; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 18.98px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e금융세제, 공부해도 이게 한국말인가?! 절세상품도 활용하라는데\u0026hellip;\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 60.77px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n","view_yn":"Y","content_code":"B0000679","play_cnt":82083},{"webtoon_desc":null,"thumbnail":"contents/2023-04-21/ea46b51971be45c5bf6e60218283c9b2.png","keywords":";[플러스 연금 Café] 안 냈던 국민연금, 추후납부하면 좋을까요?;플러스연금카페;국민연금;국민연금 추후납부;국민연금 임의가입;국민연금보험료;추후납부제도;국민연금납부예외;국민연금 적용제외;추후납부조건;노령연금;추후납부 보험료;","mobile_use_yn":"Y","type":3,"title":"[플러스 연금 Café] 안 냈던 국민연금, 추후납부하면 좋을까요?","show_order":17,"star_cnt":1,"play_time":null,"webtoon_subtitle":null,"reg_date":"Apr 21, 2023 10:01:04 AM","menu_idx":220,"video_pc_cdn":null,"belongs":0,"star_avg":4.5,"video_mobile_cdn":null,"idx":1772,"webbook_content":"\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); 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margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_2_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MTRfMTMy/MDAxNjgxNDM2NTM0MjEz.dQ1Xkie3HhTIANjQoaX2RWKrE-ru_ofUyR4WeX_dUVQg.PGWW8zDNkOVwnXBgvRArTWtGkiQ_Gagr3ZeOzjwS5X8g.PNG/%EA%B3%B5%ED%86%B5_01.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"InT-L1x6ln5WsRNE3Qc-crxoDYpA\" id\u003d\"SEDOC-1681778746607-1568349804_image_2_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fd77cca32855c47279e8d433881c1c3da.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 116px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e안녕하세요\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e엄은지입니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e저는 육아 문제 때문에 십여 년 전 직장을 다니다가 그만뒀습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e아기가 학교에 적응하면 다시 취업할 생각이었는데 생각대로 되지 않더군요\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e그런데\u003cspan style\u003d\"background-color: inherit;\"\u003e, \u003c/span\u003e오십이 다가오니 슬슬 노후가 걱정되더라고요.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e그래서\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e지난해에 국민연금 임의가입을 했습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e지금은 남편 월급으로 생활하고 있지만\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e노후에는 내 이름으로 된 소득을 갖고 싶었거든요\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e하지만\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e60\u003c/span\u003e세까지 보험료를 낸다고 해도 손에 쥘 수 있는 연금이 많지는 않더라구요\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e혹시\u003cspan class\u003d\"se_fs_T2\" lang\u003d\"EN-US\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e,\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e경력단절 기간 동안 내지 않았던 보험료를 한꺼번에 내면\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003cbr /\u003e\r\n\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e국민연금을 더 받을 수 있을까요\u003cspan class\u003d\"se_fs_T2\" lang\u003d\"EN-US\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e?\u003c/span\u003e\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 36.1px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(241, 47, 34); font-size: 19px; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026nbsp;\u003c/b\u003e\u003c/i\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_3_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MTRfMjk3/MDAxNjgxNDM2NTM4NzIx.Cn1BzhdlPyPHZpkCHYXIZ5ekKStrEb0f4ydAPTzvq1Mg.kx6bKViaVzQZ7IkCvmKhwgxxXijixwgS8zBSbQcJFVsg.PNG/%EA%B3%B5%ED%86%B5_02.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IsKN2chfxo2EuGBMb5iSUFNO6TsI\" id\u003d\"SEDOC-1681778746607-1568349804_image_3_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F5d990874d646477cb221a30a7861fab6.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 129px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 72.2px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 0, 0); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e네\u003cspan lang\u003d\"EN-US\" style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e가능합니다\u003cspan lang\u003d\"EN-US\" style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e추후납부제도를 이용해서\u003c/span\u003e\u003c/b\u003e\u003cbr /\u003e\r\n\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e국민연금 가입 기간을 늘리면 됩니다\u003cspan lang\u003d\"EN-US\" style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003c/b\u003e\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026nbsp;\u003c/b\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u0026nbsp;\u003c/b\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_4_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMjAz/MDAxNjgxNzc3MzI1MTE0.LLyyU0diOxjWsY3L7wvhtMVtgq6_zX-dOkaddW9Borkg.iLL6qjZTywj87ynj1q9_U_D1hRqmV2FgLAb-91KX0zQg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%283%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IJzQlk6o6AY_y4L_zK1vImtart3A\" id\u003d\"SEDOC-1681778746607-1568349804_image_4_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fb8068214d363419e91842b1209f6ba86.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 96px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_5_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTAz/MDAxNjgxNzc2NzE3NDAz.qMMQJcgPhwokWh1xOf1fU4k36ik0RKS5EQ521mFrAncg.fwSstZmrVkaiVmf80850kQ6aCNsPWzkKeS6M-G2wVfkg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%284%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IgDUltWygEb_aHOqF3MTdbu29G6A\" id\u003d\"SEDOC-1681778746607-1568349804_image_5_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fd20809714174493d8fdaef7e18ed0653.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 259px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e국민연금은 은퇴자에게 있어 주요한 생활비 재원이라고 할 수 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e하지만 나이에 따라 국민연금을 대하는 태도는 판이합니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e젊어서는 가능하면 보험료를 덜 내거나 안 낼 방법이 있으면 그것을 선택합니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e하지만 은퇴가 가까워지면 보험료를 내더라도 연금을 더 받을 수 있는 방법이 있으면 그것을 택합니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e추후납부제도도 그 중 하나입니다.\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e추후납부는 납부예외기간이나 적용제외기간에\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e납부하지 않은 보험료를\u003cbr /\u003e\r\n나중에라도 납부\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e하면\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 112, 192); font-size: 19px; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e국민연금 가입 기간으로 인정\u003c/span\u003e\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003ci style\u003d\"background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e해\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 112, 192); font-size: 19px; background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e주는 것입니다\u003cspan class\u003d\"se_fs_T2\" lang\u003d\"EN-US\" style\u003d\"color: rgb(0, 112, 192); font-size: 19px; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/i\u003e\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_6_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfNjUg/MDAxNjgxNzc4NzQyNTA3.AnykWrctwIsUtPKs870XxqYlUxmg2jRK2p_AEK1i_5Eg.Y8t6WJmXDJveVU2em60l_eYd7ZOZAfPH_-92mGsktvMg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%285%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IHJL-s5a-99rpo4UuljKgwW0uPFM\" id\u003d\"SEDOC-1681863005453-1840270816_image_6_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F3e88bb96e3ba4c73a08e9a09bc7a3d42.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 577px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_7_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfNiAg/MDAxNjgxNzc3MzM2MTgy.utkkEhIbTd7iB183CtMCMdSxUwATNO7J5PUCriL8UCgg.PP8GYiNKgLcCUVPryE2sKwelmz6ivv3fUOgeNKd06Swg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%287%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"ICUPUWZJRR59T9hw-gs8C7ahTaBc\" id\u003d\"SEDOC-1681778746607-1568349804_image_7_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F23046d12f50049a48943c8d5827cce36.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 96px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_8_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTMy/MDAxNjgxNzc3MzQxMTk0.N87RGQHSfCLV_Ytj9APV83GctYmpbgAE6vgPujMvqdwg.cZMpm6hLSCr-ZyZ-nWjsxy95K0_vFZ8upPK8YDfTbIUg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%288%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"INt_7OFgTJEHBqNcUQSQEK0JAwIg\" id\u003d\"SEDOC-1681778746607-1568349804_image_8_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fc9145f0bba88443887b64a7edd822853.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 235px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e따라서 국민연금에 가입하고 있지 않은 전업주부라면 임의가입부터 해서 국민연금 가입자격을 갖춰야 합니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e그리고 과거 최소 한 달 이상 국민연금 보험료를 납부한 경험이 있어야 추후납부를 할 수 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_9_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMjYx/MDAxNjgxNzc2ODgxNjIx.qzVoq6qLQo0At7h6rfaPTbYc8B5iedkhrjv10cqI4bkg.B6SCOFJFW850LnkCLO_7lvk1xATMP1ALNkN8WD2WDS0g.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%289%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IgqpZ_jrfBgxRY_yoJxkplu-2qjY\" id\u003d\"SEDOC-1681778746607-1568349804_image_9_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F2ab0c63f9cc44d1aad702eb817f44a8c.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 181px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e그런데 과거에 국민연금 보험료를 납부했더라도 이를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e반환일시금으로 찾아갔다면 추후납부를 할 수가 없습니다\u003c/u\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e\u003c/b\u003e이때는 반환일시금을 다시 국민연금공단에 반납해야 추후납부를 할 수 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_10_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfOTQg/MDAxNjgxNzc3MzQ2NjA2.PQKvU9z8GBF8pAn1cTFEkOEc7oprOTAcx0wbh9kRxnkg.Ov4lRohAZYK596PFfGia608V6fK_pQwaWlK_qx2RAOog.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2810%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IjcYC5YEBkw_F2CyWNpLuDdnjlNo\" id\u003d\"SEDOC-1681778746607-1568349804_image_10_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F2d5fbd7a51344e17a36b9a1335084c89.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 96px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e함께 추후납부 보험료를 계산해 볼까요\u003cspan class\u003d\"se_fs_T2\" style\u003d\"color: rgb(0, 118, 200); font-size: 19px; background-color: inherit;\"\u003e?\u003c/span\u003e\u003c/span\u003e\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e추후납부 보험료는 추후납부를 신청한 달이 속하는 달의 연금보험료에 추후납부를 희망하는 기간의 월수를 곱해서 산출합니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_11_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMjQ0/MDAxNjgxNzc3MzUxODI5.dwqVLL3D0YLrtHrPkR4tnaEbamcUSKE4IoLHqohmNncg.jkBq5JHg5GV35ZH7TRGxocKO-7CL7LydmQQD9NoKUIEg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2811%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IxIRhRSG2Ev2u6pfjk97XDlnZago\" id\u003d\"SEDOC-1681778746607-1568349804_image_11_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F3dd63b75e8c84b0c8fba8c55ac74e97d.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 198px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e이때 추후납부는 적용제외기간과 납부예외기간의 범위 내에서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e최장\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"color: rgb(0, 118, 200); background-color: inherit;\"\u003e119\u003c/span\u003e개월 치 보험료를\u003c/b\u003e\u003c/span\u003e\u003c/u\u003e\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"color: rgb(0, 112, 192); background-color: inherit;\"\u003e\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/span\u003e추후납부 할 수 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/u\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e예를\u0026nbsp;들어\u003c/b\u003e\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e국민연금 가입자가 추후납부를 신청한 달에 연금보험료로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e10\u003c/span\u003e만 원을 납부하고 있고 추후납부 하려는 기간이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e100\u003c/span\u003e개월이라면\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e추후납부 보험료는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e1,000\u003c/span\u003e만 원이 됩니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_12_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTky/MDAxNjgxNzc3MzU2OTM1.YEJhRMwLAmjcVldFNtQCkBcP--mpBt00On-xcNQSkBwg.MDiNzXrE3QrWWYhAaOzBssLWSIZgn-v_E4x0YKKyd4sg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2812%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I1Bojy_ZA0XLnxwbrdkiotdsIPxs\" id\u003d\"SEDOC-1681778746607-1568349804_image_12_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F7f453bfc36e44b20bcaece3b0cf3275b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 319px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_13_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MTRfMTIw/MDAxNjgxNDM2NDk1NzQ2.klDPkx5CdTc7s5AmMxt7PlbZ6WMpYdb-t1HMOnDTMQEg.S2-FSdix23IOb5i7wvlFfvd21tbSQhARAJ_xdjIBH5Eg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2814%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"INI596nGayCubS4X4pxSuQnP--p4\" id\u003d\"SEDOC-1681778746607-1568349804_image_13_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fc7319dbf35954a93ae58ab5a4dbeef48.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 89px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_14_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTMw/MDAxNjgxNzc3MzYyOTkz.vZaNj2xKUf01SohirJswTlrm-eYRZE1bUqIdrU5xCI8g.68wdXS1iT9RK1dCCDd9PKcdSPx1luTimw6IkZqE2EWIg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2815%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I0EzjJWBTDHsekhtx9wFYGTbsrdk\" id\u003d\"SEDOC-1681778746607-1568349804_image_14_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F04b05f4ab4484276a7ae4384f2022be0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 234px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e사업장가입자나 지역가입자는 매달 소득의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e9%\u003c/span\u003e에 해당하는 보험료를 납부하지만\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e임의가입자는 납부할 보험료를 스스로 정할 수 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e따라서 임의가입자가 보험료를 높게 책정하면 추납보험료도 커지고 노령연금도 더 많이 받을 수 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e그래서\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e임의가입자가 이 같은 방식으로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e추후납부제도를 재테크 수단으로 이용할 수 없도록 보험료에 상한을 둔 것\u003c/u\u003e입니다\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e임의가입자가 납부하는 연금보험료가 국민연금 전체 가입자의 평균소득월액\u003cspan style\u003d\"background-color: inherit;\"\u003e(A\u003c/span\u003e값\u003cspan style\u003d\"background-color: inherit;\"\u003e)\u003c/span\u003e의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e9%\u003c/span\u003e를 초과하면\u003cspan style\u003d\"background-color: inherit;\"\u003e, A\u003c/span\u003e값의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e9%\u003c/span\u003e에 추납을 희망하는 월수를 곱해 추납보험료를 산정합니다\u003cspan style\u003d\"background-color: inherit;\"\u003e. 2022\u003c/span\u003e년에 적용되는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003eA\u003c/span\u003e값을 기준으로 산출된 기준소득월액은\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e2,681,000\u003c/span\u003e원입니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e그렇다면 국민연금 보험료로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e30\u003c/span\u003e만 원을 납부하고 있는 임의가입자가\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e100\u003c/span\u003e개월 치 보험료를 추납하기로 했다면 추후납부 보험료로 얼마를 내야 할까요\u003cspan style\u003d\"background-color: inherit;\"\u003e?\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e이 경우 임의가입자가 납부하고 있는 연금보험료는 \u0026lsquo;\u003cspan style\u003d\"background-color: inherit;\"\u003eA\u003c/span\u003e값의\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e9%\u0026rsquo;(241,290\u003c/span\u003e원\u003cspan style\u003d\"background-color: inherit;\"\u003e)\u003c/span\u003e보다 많습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e따라서 임의가입자는 추납보험료로\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e241,290\u003c/span\u003e원에\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e100\u003c/span\u003e개월을 곱한\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e24,129,000\u003c/span\u003e원를 납부하게 됩니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_15_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfOTkg/MDAxNjgxNzc2OTkxMzk5.Ccho8hjo877jjhG9biSjDSPvS82zV5lu6uiGhqz1RJgg.kL_9epcJMiztlo6q20sAGTTfXleKq6AmMAjEHWIeE2Mg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2816%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"ISbfxbLFyIj7GiRHK1fO_HUPzRuM\" id\u003d\"SEDOC-1681778746607-1568349804_image_15_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fe1d035d4daf546949f31a6596bf4681f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 230px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 5px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_16_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTQ5/MDAxNjgxNzc2OTk2OTM3.cD4y0lzbTKIvrLSxi0gBqIWU46SEJycCVsYhNt_jwXMg.86JYv4J132SNnnWysNvJA02Uv1BQXbYwxjaKTBwQVrUg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2817%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IGq_wRp4XidkOhTzXDrlfv2eAjFM\" id\u003d\"SEDOC-1681778746607-1568349804_image_16_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fb75eab414a8f4f24b44885053cad3fa9.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 374px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_17_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTUz/MDAxNjgxNzc3MDI1NDM2.vG2-wN-r1hfLnESzfTCnP-x6tvIQboxPeGtqXoxpMrsg.RkqK-FiUdSgu3deYnDwJNGmrkukkTuboQW7yub0uRywg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2818%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IZMtjuh3L_trQelmmLOLQUQCAYq4\" id\u003d\"SEDOC-1681778746607-1568349804_image_17_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F02859e5a207c4933a197f0dd5fa4eeaf.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 126px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_18_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTM4/MDAxNjgxNzc3MDMxNDM2.27S_PAKPFXUPqUH1xe6o2liyfRKThcQpme3UOdtkF6Ig.Clu2VKKweNvh21nFgnIP9Btp_NQzlnETqLSkHuGTMqIg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2819%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"ITWgSEmBWYgahA9Dl0-daVCqb9ts\" id\u003d\"SEDOC-1681778746607-1568349804_image_18_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F648761a83bbb4a00b2e8d68f9b862bcf.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 96px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_19_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTY1/MDAxNjgxNzc3MDM3MDI0.uHFlnsLj_bG7TvcXCK1uybTa0Rqt_BH3IgKRzY7idzYg.b-aYjouhXsd_I6Y32gRA9MN-HBRnevLXT5ZQO-D3wH8g.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2820%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I126Is-DPG4YvnqSVeyHvZcjAA-o\" id\u003d\"SEDOC-1681778746607-1568349804_image_19_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Ff58c6bef0e7e4120a9aa3b13f19f383a.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 235px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e추후납부 보험료로 쓸 수 있는 예산이 한정되어 있다면\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e가입기간을 늘리는 것이 유리할까요\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e보험료를 상향하는 것이 유리할까요\u003cspan style\u003d\"background-color: inherit;\"\u003e?\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e예를 들어 추후납부 보험료로 사용할 수 있는 예산이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e1,000\u003c/span\u003e만 원\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e적용제외기간이\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e100\u003c/span\u003e개월인 임의가입자가 있다고 해 보겠습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e이 경우 임의가입자는 추후납부 신청하는 달 연금보험료를\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e10\u003c/span\u003e만 원으로 책정하고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e100\u003c/span\u003e개월 치를 납부할 수도 있고\u003cspan style\u003d\"background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e연금보험료를 월\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e20\u003c/span\u003e만 원으로 책정하고\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e50\u003c/span\u003e개월 치 보험료를 납부할 수도 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_20_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMjEx/MDAxNjgxNzc3MDU3MzA3.if--4M7xaq0-mPt7qV9njjLbQbZWGRwEr-Amt72NOecg.-OmirriJYxRNR4MK0o4EdIRqQncxM7PQpPlGLiBXrNcg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2821%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I1_f3LshOamRlU39C5GDxp8id7Ao\" id\u003d\"SEDOC-1681778746607-1568349804_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F72d406ece47a49329d62a87bb3c5b57b.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 368px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cb style\u003d\"font-weight: 600; background-color: inherit;\"\u003e이는 국민연금이 소득재분배 기능을 갖고 있기 때문입니다.\u003c/b\u003e\u003cbr /\u003e\r\n\u003cspan style\u003d\"background-color: inherit;\"\u003e국민연금은 계층 간 소득격차를 줄이기 위해 저소득자는 자신이 낸 보험료에 비해 상대적으로 연금을 많이 받고\u003cspan style\u003d\"background-color: inherit;\"\u003e, \u003c/span\u003e고소득자는 납부한 보험료에 비해 상대적으로 연금을 덜 받도록 하고 있습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e국민연금의 세대 내 소득재분배 기능은 매년 국민연금공단이 제시하는 노령연금 예상월액표에 그대로 드러납니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e아래 표는\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e2022\u003c/span\u003e년\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e1\u003c/span\u003e월에 국민연금에 가입한 사람의 보험료와 가입기간에 따라 받는 노령연금월액을 나타낸 것입니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e매달\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e9\u003c/span\u003e만 원씩\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e20\u003c/span\u003e년 동안 보험료를 낸 사람은 노령연금으로 매달\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e373,000\u003c/span\u003e원을 받지만\u003cspan style\u003d\"background-color: inherit;\"\u003e, 18\u003c/span\u003e만 원씩\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e10\u003c/span\u003e년간 보험료를 납부한 사람은 매달\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e240,230\u003c/span\u003e원을 연금으로 수령하게 됩니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_21_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMTQg/MDAxNjgxNzc3MDgzMTE2.bgy5J5XlmOE_19X0uCH7GPhDhf_F_ALvMvFNY3AA3MEg.bQs7qW4MDR9SS2BApeN_4e0GuXpI6CBaKrIUS4DMmo0g.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2822%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"I7nvNrn8zhbkcpd2cpqCz9hZRwJc\" id\u003d\"SEDOC-1681778746607-1568349804_image_21_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Fd345e0184a48451d8f6dad35ffbab2c0.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 216px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_22_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfMjMz/MDAxNjgxNzc3MTAzNjQx.8T3TuutzYpG-W86r06p4WtRRCMWLZEn5iLUwnLEqYPYg.UAhaVRL-7qLq0Q72jqydXQ6_jzDjOlcRDytxiTF3JfMg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2824%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IJbrlEeLCITpmSINb-mDvU53RDbc\" id\u003d\"SEDOC-1681778746607-1568349804_image_22_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F9824788610d04febb862ce55a63c1820.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 96px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 699.98px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681778746607-1568349804_image_23_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MThfNTYg/MDAxNjgxNzc3MTA4NjU0.R-Y5DeAcFE6yNyGY2BKPPRcPgv9goNTep_R9GoOvzwQg.DZex94IXzHoisXcicm-s_HMdfjVaJp9ECW03ob3kjrYg.PNG/%EC%95%88_%EB%83%88%EB%8D%98_%EA%B5%AD%EB%AF%BC%EC%97%B0%EA%B8%88_%EC%B6%94%ED%9B%84%EB%82%A9%EB%B6%80%ED%95%98%EB%A9%B4_%EC%A2%8B%EC%9D%84%EA%B9%8C%EC%9A%94_%2825%29.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://post.naver.com/viewer/postView.naver?volumeNo\u003d35783462\u0026amp;memberNo\u003d36072321#\" onclick\u003d\"return false;\" style\u003d\"color: rgb(10, 114, 222); text-decoration: underline; display: block; position: relative; cursor: pointer;\"\u003e\u003cem\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IBQhLk-ZD7ZvMRmx8yPoD058twAs\" id\u003d\"SEDOC-1681778746607-1568349804_image_23_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F29b958a0f2674a00a7d1923bce70af8f.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 312px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/em\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e따라서 소득이 많은 해\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e,\u0026nbsp;\u003c/span\u003e그래서\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003cu style\u003d\"background-color: inherit;\"\u003e높은 종합소득세율을 적용 받는 해\u003c/u\u003e에 추후납부를 하면 더 많은 세금을 환급 받을 수 있습니다\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e\u003cspan style\u003d\"background-color: inherit;\"\u003e하지만 임의가입자는 소득세를 납부하지 않기 때문에 추후납부 보험료를 소득공제 받을 수 없습니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u0026nbsp;\u003c/span\u003e대신 소득공제를 받지 않고 납부한 보험료는 나중에 노령연금을 수령할 때 과세대상소득에서 제외해 줍니다\u003cspan style\u003d\"background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 700px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-center\" style\u003d\"text-align: center; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 700px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T2\" style\u003d\"font-size: 19px; background-color: inherit;\"\u003e\u003cb style\u003d\"color: rgb(0, 0, 0); font-weight: 600; background-color: inherit;\"\u003e\u0026lt;시리즈 콘텐츠 보러가기!!!\u0026gt;\u003c/b\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1681285060533--1490612862_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MDRfMTQg/MDAxNjgwNTk4NzExODgz.ZCnFzGyhwrADasLoUKZED7tW2iMvU4hVKm8eOJUsu6Eg.wBrb8W_mjkBr8nh1yS5ms3Dp1pIGC1R_pWYwznFaz90g.PNG/04.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/cafeWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1767\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"ITGY1iScO1kKIvpTXFP8l0Ncg8_w\" id\u003d\"SEDOC-1681285060533--1490612862_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2Ff4c9c60cfc1841479e5d5528dca48382.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e전업주부도 국민연금 받고 싶다면?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u003ca class\u003d\"se_mediaArea __se_image_link __se_link\" data-linkdata\u003d\"{\u0026quot;imgId\u0026quot; : \u0026quot;SEDOC-1680740180191--254111138_image_0_img\u0026quot;, \u0026quot;src\u0026quot; : \u0026quot;/webbook_img?file\u003dwebbook/MjAyMzA0MDRfMTYg/MDAxNjgwNTc1MTA2NDYw.1Yx32oQpQmhzszCzYZwGJTR9xGqxem0My0reKMmndCkg.NtyvY0dFk_8RMgVyz3-MgaZP_u5xAphtvULB1OGpAtkg.PNG/03.png\u0026quot;, \u0026quot;linkUse\u0026quot; : \u0026quot;false\u0026quot;, \u0026quot;link\u0026quot; : \u0026quot;\u0026quot;}\" data-linktype\u003d\"img\" href\u003d\"https://www.kcie.or.kr/mobile/yeouitv/cafeWebBook/web_view?type\u003d3\u0026amp;series_idx\u003d\u0026amp;content_idx\u003d1763\" style\u003d\"text-align: center; color: rgb(10, 114, 222); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; text-decoration: underline; word-spacing: 0px; display: block; white-space: normal; position: relative; cursor: pointer; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px;\" target\u003d\"_self\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"Ij8NNxcm5GTO8nDsXVNtjzA0X3Mk\" id\u003d\"SEDOC-1680740180191--254111138_image_0_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F9ab4d65311d8467ea1052fde95976621.png\" style\u003d\"border: 0px currentcolor; width: 700px; height: 467px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/a\u003e\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"text-align: center; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 0px; font-style: normal; font-weight: 400; margin-bottom: 30px; word-spacing: 0px; white-space: normal; position: relative; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_textView se_mediaCaption\" style\u003d\"text-align: center; color: rgb(119, 119, 119); line-height: 19px; font-size: 13px; font-weight: 400; margin-top: 10px; margin-right: auto; margin-left: auto; min-height: 18px; max-width: 700px;\"\u003e\u003cspan class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-style: inherit; font-weight: inherit; text-decoration: inherit; display: block; resize: none; overflow-wrap: break-word;\"\u003e소득이 많으면 국민연금 얼마나 감액되나요?\u003c/span\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-style: normal; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea se_align-center\" style\u003d\"margin: 0px auto; width: 700px; text-align: center; font-size: 0px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea\" style\u003d\"margin-right: auto; margin-left: auto; position: relative; max-width: 700px;\"\u003e\u003cimg alt\u003d\"\" class\u003d\"se_mediaImage __se_img_el\" data-attachment-id\u003d\"IGMQq3xY-xjGD07HkKhqRkf0mjy8\" id\u003d\"SEDOC-1679286121129-1798389996_image_20_img\" src\u003d\"/download?file\u003dCKEDITOR%2F2024-04-19%2F31ebce8afa9a4c1c92e1ebf5dc9e2b9b.jpg\" style\u003d\"border: 0px currentcolor; width: 700px; height: 161px; vertical-align: top; max-width: 100%;\" /\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003ciframe allow\u003d\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen\u003d\"\" frameborder\u003d\"0\" height\u003d\"393\" src\u003d\"https://www.youtube.com/embed/pBylRs5Tkyk\" title\u003d\"YouTube video player\" width\u003d\"700\"\u003e\u003c/iframe\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 30px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: auto; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠에서 제공되는 금융상품 및 시장 정보 등을 이용하여 투자를 했을 시 발생하는 손실의 귀책사유는 이용자에게 귀속되오니 투자는 이용자 자신의 판단과 책임 하에 신중히 결정하여 주시기 바랍니다.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_paragraph default\" style\u003d\"color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: 나눔고딕, nanumgothic, se_NanumGothic, sans-serif, simhei; font-size: 17px; font-weight: 400; margin-top: 24px; word-spacing: 0px; white-space: normal; -ms-word-break: normal; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); -webkit-font-smoothing: antialiased; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\r\n\u003cdiv class\u003d\"se_sectionArea\" style\u003d\"margin: 0px auto; width: 699.98px; position: relative; max-width: 700px;\"\u003e\r\n\u003cdiv class\u003d\"se_editArea\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_viewArea se_ff_nanumgothic se_fs_T3 se_align-justify\" style\u003d\"text-align: justify; color: rgb(0, 0, 0); line-height: 1.9; font-family: 나눔고딕, nanumgothic, se_NanumGothic, AppleSDGothicNeo, sans-serif, simhei; font-size: 16px; position: relative; overflow-wrap: break-word;\"\u003e\r\n\u003cdiv class\u003d\"se_editView\" style\u003d\"position: relative;\"\u003e\r\n\u003cdiv class\u003d\"se_textView\"\u003e\r\n\u003cp class\u003d\"se_textarea\" style\u003d\"background: 0px 0px; margin: 0px; padding: 0px; outline: 0px; border: currentColor; border-image: none; width: 699.98px; height: 30.38px; text-align: inherit; color: inherit; line-height: inherit; font-family: inherit !important; font-size: inherit; font-weight: inherit; text-decoration: inherit; display: block; -ms-word-break: break-all; resize: none; overflow-wrap: break-word;\"\u003e-\u003cspan class\u003d\"se_fs_T3\" style\u003d\"font-size: 16px; background-color: inherit;\"\u003e\u0026nbsp;\u003c/span\u003e본 콘텐츠의 일부 내용을 인용하거나 발췌하려면 전국투자자교육협의회의 동의를 얻어야 합니다\u003cspan style\u003d\"color: rgb(0, 0, 0); background-color: inherit;\"\u003e.\u003c/span\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003ccenter\u003e\u003cimg alt\u003d\"\" src\u003d\"/download?file\u003dCKEDITOR%2F2022-11-16%2Fe98cf851e9e64404b68ec0849997a8a0.png\" /\u003e\u003c/center\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cdiv class\u003d\"se_component se_image default\" style\u003d\"color: rgb(0, 0, 0); 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[플러스 연금 Café] 안 냈던 국민연금, 추후납부하면 좋을까요?

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