{"id":3549,"date":"2023-01-05T21:49:46","date_gmt":"2023-01-05T12:49:46","guid":{"rendered":"https:\/\/haruheal.com\/?p=3549"},"modified":"2023-02-18T18:43:43","modified_gmt":"2023-02-18T09:43:43","slug":"cma-isa-irp%ea%b3%84%ec%a2%8c-%ec%b4%9d%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/haruheal.com\/news\/3549","title":{"rendered":"CMA ISA IRP\uacc4\uc88c \ucd1d\uc815\ub9ac"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"513\" src=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-78-1024x513.png\" alt=\"CMA ISA IRP \ucd1d\uc815\ub9ac\" class=\"wp-image-3550\" srcset=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-78-1024x513.png 1024w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-78-300x150.png 300w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-78-768x385.png 768w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-78.png 1178w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc624\ub298\uc740 CMA, IRP, ISA \uc815\uc758\uc640 \uc7a5\ub2e8\uc810\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7497080104188166\" crossorigin=\"anonymous\"><\/script>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \ubc18\uc751\ud615 \uad11\uace0 -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-7497080104188166\" data-ad-slot=\"8126404438\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<h3 class=\"has-accent-background-color has-background wp-block-heading\">CMA\ub780 \ubb34\uc5c7\uc77c\uae4c?<\/h3>\n\n\n\n<p><strong>CMA\ub294 Cash Management Account\uc758 \uc57d\uc790\ub85c \uc99d\uad8c\uc0ac\uc758 \uae30\ubcf8 \uacc4\uc88c\ub77c\uace0 \ubcf4\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/strong><\/p>\n\n\n\n<p>\uc740\ud589\uc5d0\uc11c \ub9cc\ub4e0 \uacc4\uc88c\uc5d0 \ub3c8\uc744 \ub123\uc5b4\ub450\uba74 \uc740\ud589\uc740 \ud55c\uad6d\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac \uc815\ub3c4\uc758 \uc774\uc790\ub97c \uc90d\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc99d\uad8c\uc0ac\ub294 CMA\uc5d0 \ubaa8\uc778 \ub3c8\uc744 \uac00\uc9c0\uace0 \ub2e8\uae30 \uad6d\uacf5\ucc44 \ub4f1\uc5d0 \ud22c\uc790\ub97c \ud574\uc11c \ud22c\uc790 \uc218\uc775\uc744 \uc740\ud589\uc758 \uc774\uc790\ucc98\ub7fc \uc90d\ub2c8\ub2e4. \uc989, &#8216;<strong>\ud558\ub8e8\ub9cc \ub123\uc5b4\ub3c4 \uc218\uc775\uc774 \ubc1c\uc0dd\ud558\ub294 \ub192\uc740 \uc774\uc790\ub97c \ucd94\uad6c\ud558\ub294 \uc0c1\ud488<\/strong>&#8216;\uc774\ub77c\uace0 \ub9ce\uc774\ub4e4 \uc774\uc57c\uae30\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>&nbsp; &nbsp;1-1. CMA\uacc4\uc88c\uc758 \uc7a5\ub2e8\uc810<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"932\" height=\"375\" src=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-79.png\" alt=\"\" class=\"wp-image-3551\" srcset=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-79.png 932w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-79-300x121.png 300w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-79-768x309.png 768w\" sizes=\"(max-width: 932px) 100vw, 932px\" \/><\/figure>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>&nbsp;1-2. CMA\uacc4\uc88c\uc758 \uc885\ub958<\/strong><\/p>\n\n\n\n<p>1)&nbsp;<strong>RP\ud615<\/strong>&nbsp;: Repurchase Agreement\uc758 \uc57d\uc790\uc785\ub2c8\ub2e4. &#8216;\ud658\ub9e4 \uc870\uac74\ubd80 \ucc44\uad8c&#8217;\uc744 \uc758\ubbf8\ud558\uba70,&nbsp;<strong><mark style=\"background-color:#ffc800\" class=\"has-inline-color\">\ub0b4\uac00 CMA\uacc4\uc88c\uc5d0 \ub3c8\uc744 \uc785\uae08\ud558\uba74 \uadf8 \ub3c8\uc73c\ub85c \ud658\ub9e4 \uc870\uac74\ubd80 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud574\uc11c \uadf8 \uc218\uc775\uae08\uc744 \uc774\uc790\ub85c \uc9c0\uae09\ud558\ub294 \uac83\uc744 \ub9d0\ud569\ub2c8\ub2e4.<\/mark><\/strong><\/p>\n\n\n\n<p>2)&nbsp;<strong>MMF\ud615<\/strong>&nbsp;: Money Market Fund\uc758 \uc57d\uc790\uc785\ub2c8\ub2e4. \uacf5\uc0ac\ucc44\ub97c \uc911\uc2ec\uc73c\ub85c \ud22c\uc790\ud558\ub294 \ud22c\uc790 \uc2e0\ud0c1\uc758 \uc77c\uc885\uc73c\ub85c \uc815\ubd80\uac00 \ubc1c\ud589\ud558\ub294 \uc548\uc815\uc131\uc774 \ub192\uc740 \ub2e8\uae30 \uc99d\uad8c\uc5d0 \ud22c\uc790\ud574\uc11c \uc6b4\uc6a9\ud558\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uad6d\uacf5\ucc44\ub098 \uc6b0\ub7c9 \ud68c\uc0ac\ucc44\uc758 \uc6b4\uc6a9 \uacb0\uacfc\uc5d0 \ub530\ub77c \uc218\uc775\uc774 \ub0a0 \uc218\ub3c4 \uc190\uc2e4\uc774 \ub0a0 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>3)&nbsp;<strong>MMW\ud615<\/strong>&nbsp;: \uace0\uac1d\uc758 \uc790\uc0b0\uc744 \ud55c\uad6d\uc99d\uad8c\uae08\uc735\uc758 \uc608\uc218\uae08\uc73c\ub85c \uc6b4\uc6a9\ud558\ub294 \ud615\ud0dc\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"935\" height=\"352\" src=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-80.png\" alt=\"\" class=\"wp-image-3552\" srcset=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-80.png 935w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-80-300x113.png 300w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-80-768x289.png 768w\" sizes=\"(max-width: 935px) 100vw, 935px\" \/><\/figure>\n\n\n\n<div style=\"height:51px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7497080104188166\" crossorigin=\"anonymous\"><\/script>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \ubc18\uc751\ud615 \uad11\uace0 -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-7497080104188166\" data-ad-slot=\"8126404438\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<h3 class=\"has-accent-background-color has-background wp-block-heading\">IRP\ub780 \ubb34\uc5c7\uc77c\uae4c?<\/h3>\n\n\n\n<p><strong>IRP\ub780 Individual Retirement Pension\uc758 \uc57d\uc790\ub85c &#8216;\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08&#8217; \uc785\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\uae30\uc874\uc758 \ud1f4\uc9c1\uae08\uc758 \uacbd\uc6b0 \ud68c\uc0ac\uac00 \uadfc\ub85c\uc790\ub97c \uc704\ud574\uc11c \ub530\ub85c \uacc4\uc815\uacfc\ubaa9\uc744 \ub450\uace0 \ub3c8\uc744 \ub9c8\ub828\ud55c \ubc29\uc2dd\uc774\ub77c\uba74<mark style=\"background-color:#ffc800\" class=\"has-inline-color\">&nbsp;<strong>IRP\ub294 \uadfc\ub85c\uc790 \uac1c\uc778\uc758 \ud1f4\uc9c1\uae08\uc744 \uc790\uc2e0 \uba85\uc758 \ud1f4\uc9c1 \uacc4\uc88c\uc5d0 \uc801\ub9bd\uc744 \ud558\ub294 \ubc29\uc2dd\uc744 \ub9d0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/strong><\/mark><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>&#8211; \uac00\uc785 \uc790\uaca9<\/strong>&nbsp;: \uc18c\ub4dd\uc774 \uc788\ub294 \ucde8\uc5c5\uc790<br><strong>&#8211; \uc138\uc561\uacf5\uc81c \ud55c\ub3c4<\/strong>&nbsp;: \uc5f0 700\ub9cc \uc6d0(\uc5f0\uae08\uc800\ucd95\uacfc DC\ud569\uc0b0)<br><strong>&#8211; \uc5f0\ub9d0\uc815\uc0b0 \uc138\uc561 \ud658\uae09<\/strong>&nbsp;: \ucd5c\ub300 92.4~115.5\ub9cc \uc6d0 (\ucd1d \uae09\uc5ec 5,500\ub9cc \uc6d0 \uc774\ud558 16.5%, \uadf8 \uc678 13.2%)<br><strong>&#8211; \ud22c\uc790\uac00\ub2a5 \uc0c1\ud488<\/strong>&nbsp;: \uc608\uae08, RP, ELB \ub4f1 \uc6d0\ub9ac\uae08 \ubcf4\uc7a5\ud615 \uc0c1\ud488 \ubc0f \ud380\ub4dc, ETF \ub4f1 \uc2e4\uc801\ubc30\ub2f9\ud615 \uc0c1\ud488<br><strong>&#8211; \uc218\uc218\ub8cc<\/strong>&nbsp;: \ud380\ub4dc \ubcf4\uc218, \uc6b4\uc6a9 \ubc0f \uc790\uc0b0\uad00\ub9ac \uc218\uc218\ub8cc<br><strong>&#8211; \uc911\ub3c4\ud574\uc9c0 \ubc0f \uc77c\ubd80 \uc778\ucd9c<\/strong>&nbsp;: \uc870\uac74 \ucda9\uc871 \uc2dc\uc5d0\ub9cc \uac00\ub2a5<\/p>\n<\/blockquote>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7497080104188166\" crossorigin=\"anonymous\"><\/script>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \ubc18\uc751\ud615 \uad11\uace0 -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-7497080104188166\" data-ad-slot=\"8126404438\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<p><strong>&nbsp;2-1. IRP\uc758 \uc7a5\ub2e8\uc810<\/strong><\/p>\n\n\n\n<p><em><strong>\uc7a5\uc810\uc740?&nbsp;<mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\">\uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc785\ub2c8\ub2e4.<\/mark><\/strong><\/em><\/p>\n\n\n\n<p>IRP\ub294 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc5f0\ub9d0\uc815\uc0b0\uc744 \ud560 \uc2dc\uae30\uc5d0 \uac00\uc785\ud558\uc2dc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 \ucd1d\uae09\uc5ec\uac00 500\ub9cc \uc6d0\uc73c\ub85c \uc885\ud569\uc18c\ub4dd\uc138 4,000\ub9cc \uc6d0 \uc774\ud558\uba74 16.5%, \ucd08\uacfc \uc2dc 13.2%\uc758 \uc138\uae08\uc744 \uacf5\uc81c\ud574\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>IRP\uc640 \uc5f0\uae08\uc800\ucd95\uc758 700\ub9cc \uc6d0\uc758 \ud55c\ub3c4\ub97c \ucc44\uc6e0\ub2e4\uba74 \ucd5c\uc18c 92\ub9cc \uc6d0\uc5d0\uc11c \ucd5c\ub300 115\ub9cc \uc6d0\uc758 \ud658\uae09\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-81.png\" alt=\"\" class=\"wp-image-3553\" width=\"843\" height=\"418\" srcset=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-81.png 524w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-81-300x149.png 300w\" sizes=\"(max-width: 843px) 100vw, 843px\" \/><figcaption class=\"wp-element-caption\">IRP \uc138\uc561 \uacf5\uc81c \ud61c\ud0dd<\/figcaption><\/figure><\/div>\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em><strong>\ub2e8\uc810\uc740?<\/strong><\/em><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\">1) 0.1~0.3% \uc815\ub3c4\uc758 \uc6b4\uc6a9\uc218\uc218\ub8cc\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/mark><\/strong><\/p>\n\n\n\n<p>IRP\uacc4\uc88c\ub85c \ud1f4\uc9c1\uae08\uc744 \ud65c\uc6a9\ud558\uba74 \ud380\ub4dc\ucc98\ub7fc \uc218\uc218\ub8cc\uac00 \ub098\uc624\uc9c0\ub9cc \ubb34\ub8cc\uc778 \uae08\uc735\uc0ac\ub3c4 \uc788\uace0 115\ub9cc \uc6d0 \ud61c\ud0dd\uc744 \uc0dd\uac01\ud558\uba74 \ubbf8\ube44\ud55c \uc218\uc900\uc774\uae34 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ed0303\" class=\"has-inline-color\">2)<\/mark> <mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\">\uc7a5\uae30\uac04 \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.&nbsp;<\/mark><\/strong><\/p>\n\n\n\n<p>\uc5f0\uae08\uc0c1\ud488\uc758 \ud2b9\uc131\uc73c\ub85c \uc7a5\uae30\uac04 \uc720\uc9c0\ub97c \ud560\uc218\ub85d \ud61c\ud0dd\uc774 \ucee4\uc9c0\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc911\uac04\uc5d0 \uc5f0\uae08\uc0c1\ud488\uc744 \ud574\uc9c0\ud558\uac8c \ub418\uba74 \uadf8\ub3d9\uc548 \ubc1b\uc558\ub358 \ud658\uae09 \ud61c\ud0dd\uc744 \ubaa8\ub450 \ubc18\ub0a9\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \uc0dd\uae38 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:56px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7497080104188166\" crossorigin=\"anonymous\"><\/script>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \ubc18\uc751\ud615 \uad11\uace0 -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-7497080104188166\" data-ad-slot=\"8126404438\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<h3 class=\"has-accent-background-color has-background wp-block-heading\">ISA\ub780 \ubb34\uc5c7\uc77c\uae4c?<\/h3>\n\n\n\n<p><strong>ISA\ub780 Individual Saving Account\uc758 \uc57d\uc790\ub85c &#8216;\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c&#8217;\uc785\ub2c8\ub2e4.&nbsp;<\/strong><\/p>\n\n\n\n<p>\ud558\ub098\uc758 \uacc4\uc88c\ub85c \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\uc744 \uad00\ub9ac\ud558\uba74\uc11c \uc808\uc138 \ud61c\ud0dd\ub3c4 \ub204\ub9b4 \uc218 \uc788\ub294 \ub9cc\ub2a5 \uacc4\uc88c\uc785\ub2c8\ub2e4.&nbsp;<strong><mark style=\"background-color:#ffbf00\" class=\"has-inline-color\">\ucd5c\ub300 400\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uace0 \ucd08\uacfc\ubd84\uc740 9.9% \ubd84\ub9ac\uacfc\uc138 \uc801\uc6a9\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/mark><\/strong><\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>&nbsp; &nbsp;<strong>3-1. ISA\uacc4\uc88c\uc758 \uc7a5\ub2e8\uc810<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"933\" height=\"222\" src=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-82.png\" alt=\"\" class=\"wp-image-3554\" srcset=\"https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-82.png 933w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-82-300x71.png 300w, https:\/\/haruheal.com\/wp-content\/uploads\/2023\/01\/image-82-768x183.png 768w\" sizes=\"(max-width: 933px) 100vw, 933px\" \/><\/figure>\n\n\n\n<p>ISA\uacc4\uc88c\ub294 \uc190\uc775 \ud1b5\uc0b0\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 \uc77c\ubc18 \ud380\ub4dc\uc5d0\uc11c 1,000\ub9cc \uc6d0\uc758 \uc218\uc775\uc744 \uc5bb\uace0 \uc8fc\uc2dd\uacc4\uc88c\uc5d0\uc11c\ub294 500\ub9cc \uc6d0\uc758 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\uc600\ub2e4\uba74 \uc190\uc2e4\uacfc\ub294 \ubb34\uad00\ud558\uac8c \uc5bb\uc740 \uc218\uc775\uc5d0 \ub300\ud55c \ubd80\ubd84\uc740 \uc138\uae08\uc744 \ub0b4\uc57c \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc<strong>&nbsp;<mark style=\"background-color:rgba(0, 0, 0, 0);color:#e40000\" class=\"has-inline-color\">ISA\uacc4\uc88c\ub77c\uba74 1,000\ub9cc \uc6d0\uc5d0\uc11c \uc190\uc2e4 500\ub9cc \uc6d0\uc744 \ube80 \uc21c\uc218\uc775 500\ub9cc \uc6d0\uc5d0 \ub300\ud574\uc11c\ub9cc \uc138\uae08\uc744 \ub0b4\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/mark><\/strong><\/p>\n\n\n\n<p>\ub610\ud55c&nbsp;<em><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\"><span style=\"text-decoration: underline;\">2023\ub144\ubd80\ud130 \ubc1c\uc0dd\ud558\ub294 \uc8fc\uc2dd \uc591\ub3c4\uc138\ub97c \uba74\uc81c\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/span><\/mark><\/strong><\/em><\/p>\n\n\n\n<p>2023\ub144\ubd80\ud130\ub294 5,000\ub9cc \uc6d0\uc774 \ub118\ub294 \uc8fc\uc2dd\uc744 \ud314\uc544 \uc774\uc775\uc774 \uc0dd\uacbc\uc744 \ub54c \ucd08\uacfc\ubd84\uc5d0 \ub300\ud574 \uc138\uae08\uc744 \ub0b4\uc57c \ud558\uc9c0\ub9cc ISA\uacc4\uc88c\ub97c \ud1b5\ud574 \uc5bb\uc740 \uc774\uc775\uc740 \uc138\uae08\uc744 \ub0b4\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7497080104188166\" crossorigin=\"anonymous\"><\/script>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \ubc18\uc751\ud615 \uad11\uace0 -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-7497080104188166\" data-ad-slot=\"8126404438\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>&nbsp; &nbsp;3-2. ISA \uc720\ud615<\/strong><\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>&nbsp;* \uc6b4\uc6a9\ubc29\uc2dd\uc5d0 \ub530\ub978 \uad6c\ubd84<\/strong><\/p>\n\n\n\n<ul>\n<li><strong><mark style=\"background-color:#ffb700\" class=\"has-inline-color\">\uc77c\uc784\ud615 ISA<\/mark><\/strong>&nbsp;: \ud604\uae08\uc744 ISA\uacc4\uc88c\uc5d0 \ub0a9\uc785\ud558\uba74 \uae08\uc735\ud68c\uc0ac\uac00 \ub0b4 \ub3c8\uc744 \uc6b4\uc6a9\ud574 \uc8fc\ub294 \ub300\uc2e0 \uc77c\uc784\uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \uc548\uc815\uc801\uc73c\ub85c \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \ubd84\ub4e4\uaed8 \uc801\ud569\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong><mark style=\"background-color:#ffb700\" class=\"has-inline-color\">\uc2e0\ud0c1\ud615 ISA<\/mark><\/strong>:&nbsp;\uac1c\ubcc4\uc8fc\uc2dd\uc744 \uc81c\uc678\ud558\uace0\ub294 \uc5ec\ub7ec \ud22c\uc790\uc0c1\ud488\uc5d0 \uc9c1\uc811 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uac83\uc774 \ud2b9\uc9d5\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong><mark style=\"background-color:#ffb700\" class=\"has-inline-color\">\uc911\uac1c\ud615 ISA<\/mark><\/strong>&nbsp;: \uad6d\ub0b4 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \uc0c1\uc7a5\ub41c \uc8fc\uc2dd\uacfc \uc2e0\uc8fc\uc778\uc218\uad8c\uc5d0 \uc9c1\uc811 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uac83\uc774 \ud2b9\uc9d5\uc73c\ub85c, \ucd5c\uadfc \ucd9c\uc2dc\ub418\uc5b4 \uc778\uae30\ub97c \uc5bb\uace0 \uc788\ub294 \uc720\ud615\uc785\ub2c8\ub2e4.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>&nbsp;<strong>* \uc18c\ub4dd\uc5d0 \ub530\ub978 \uad6c\ubd84<\/strong><\/p>\n\n\n\n<ul>\n<li><mark style=\"background-color:#ffb700\" class=\"has-inline-color\"><strong>\uc11c\ubbfc\ud615 ISA<\/strong>\u00a0<\/mark>: \uadfc\ub85c\uc790 \uc18c\ub4dd 5\ucc9c\ub9cc \uc6d0 \uc774\ud558 \/ \uc0ac\uc5c5\uc790 \uc18c\ub4dd 3\ucc9c5\ubc31\ub9cc \uc6d0 \uc774\ud558<\/li>\n\n\n\n<li><mark style=\"background-color:#ffb700\" class=\"has-inline-color\"><strong>\uc77c\ubc18\ud615 ISA<\/strong>\u00a0<\/mark>: \uc11c\ubbfc\ud615\uc744 \uc81c\uc678\ud55c \ub098\uba38\uc9c0 \uacbd\uc6b0<\/li>\n<\/ul>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>* ISA \ud61c\ud0dd<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>\ube44\uacfc\uc138 \ud61c\ud0dd<\/strong>&nbsp;: \uc11c\ubbfc\ud615 400\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \/ \uc77c\ubc18\ud615 200\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138<\/li>\n\n\n\n<li><strong>\ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd<\/strong>&nbsp;: \uc704 \ube44\uacfc\uc138 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uc218\uc775\uc5d0 \ub300\ud574\uc11c 9.9% \ubd84\ub9ac\uacfc\uc138<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;<\/h3>\n\n\n\n<p>\uc9c0\uae08\uae4c\uc9c0 CMA, IRP, ISA\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uac10\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7497080104188166\" crossorigin=\"anonymous\"><\/script>\n<!-- \ub514\uc2a4\ud50c\ub808\uc774 \ubc18\uc751\ud615 \uad11\uace0 -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-7497080104188166\" data-ad-slot=\"8126404438\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<p><strong><a href=\"http:\/\/m.site.naver.com\/151WI\">\uad00\ub828\ub274\uc2a4 \ubcf4\uae30 (4\ub300\ubcf4\ud5d8 News) &gt;&gt;<\/a><\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/haruheal.com\/news\/3579\">\ud1f4\uc9c1\uc5f0\uae08 \uc218\ub839\ubc29\ubc95 &gt;&gt;<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc624\ub298\uc740 CMA, IRP, ISA \uc815\uc758\uc640 \uc7a5\ub2e8\uc810\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. CMA\ub780 \ubb34\uc5c7\uc77c\uae4c? CMA\ub294 Cash Management Account\uc758 \uc57d\uc790\ub85c \uc99d\uad8c\uc0ac\uc758 \uae30\ubcf8 \uacc4\uc88c\ub77c\uace0 \ubcf4\uba74 \ub429\ub2c8\ub2e4.&nbsp; \uc740\ud589\uc5d0\uc11c \ub9cc\ub4e0 \uacc4\uc88c\uc5d0 \ub3c8\uc744 \ub123\uc5b4\ub450\uba74 \uc740\ud589\uc740 \ud55c\uad6d\uc740\ud589\uc758 \uae30\uc900\uae08\ub9ac \uc815\ub3c4\uc758 \uc774\uc790\ub97c \uc90d\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc99d\uad8c\uc0ac\ub294 CMA\uc5d0 \ubaa8\uc778 \ub3c8\uc744 \uac00\uc9c0\uace0 \ub2e8\uae30 \uad6d\uacf5\ucc44 \ub4f1\uc5d0 \ud22c\uc790\ub97c \ud574\uc11c \ud22c\uc790 \uc218\uc775\uc744 \uc740\ud589\uc758 \uc774\uc790\ucc98\ub7fc \uc90d\ub2c8\ub2e4. \uc989, &#8216;\ud558\ub8e8\ub9cc \ub123\uc5b4\ub3c4 \uc218\uc775\uc774 \ubc1c\uc0dd\ud558\ub294 \ub192\uc740 \uc774\uc790\ub97c \ucd94\uad6c\ud558\ub294 &#8230; <a title=\"CMA ISA IRP\uacc4\uc88c \ucd1d\uc815\ub9ac\" class=\"read-more\" href=\"https:\/\/haruheal.com\/news\/3549\" aria-label=\"Read more about CMA ISA IRP\uacc4\uc88c \ucd1d\uc815\ub9ac\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[123],"tags":[277,298,279,278,299,300],"_links":{"self":[{"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/posts\/3549"}],"collection":[{"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/comments?post=3549"}],"version-history":[{"count":0,"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/posts\/3549\/revisions"}],"wp:attachment":[{"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/media?parent=3549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/categories?post=3549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haruheal.com\/wp-json\/wp\/v2\/tags?post=3549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}