{"id":9281,"date":"2026-02-28T13:06:52","date_gmt":"2026-02-28T04:06:52","guid":{"rendered":"https:\/\/readtrends.com\/ko\/default-option-pension\/"},"modified":"2026-02-28T13:06:52","modified_gmt":"2026-02-28T04:06:52","slug":"default-option-pension","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/default-option-pension\/","title":{"rendered":"\uadf8\uc57c\ub9d0\ub85c &#8216;\ud55c \ub057 \ucc28\uc774&#8217;\u2026\ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c \ub300\ubc15 \ub09c \uc774\uc720 \uc788\uc5c8\ub2e4"},"content":{"rendered":"<article>\n<p>\ud1f4\uc9c1\uc5f0\uae08\uc774 \ub178\ud6c4 \uc790\uc0b0 \uc131\ud328\ub97c \uc88c\uc6b0\ud558\ub294 \uc0ac\ub840\uac00 \uc18d\uc18d \ubcf4\uace0\ub418\uace0 \uc788\ub2e4. 2023\ub144 7\uc6d4 \uc804\uba74 \ub3c4\uc785\ub41c &#8216;\ub514\ud3f4\ud2b8\uc635\uc158&#8217;\uc740 \uac00\uc785\uc790\uac00 \uc77c\uc815 \uae30\uac04(\ud1b5\uc0c1 2~6\uc8fc) \ubcc4\ub3c4 \uc6b4\uc6a9 \uc9c0\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc73c\uba74 \uc0ac\uc804\uc5d0 \uc815\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub85c \uc790\ub3d9 \uc6b4\uc6a9\ud558\ub294 \uc81c\ub3c4\ub2e4. \uac19\uc740 \uc720\ud615(\uc548\uc815\ud615\u00b7\uc548\uc815\ud22c\uc790\ud615\u00b7\uc911\ub9bd\ud22c\uc790\ud615\u00b7\uc801\uadf9\ud22c\uc790\ud615)\uc774\ub77c\ub3c4 \uae08\uc735\ud68c\uc0ac\ubcc4 \uc6b4\uc6a9\uc804\ub7b5\uc5d0 \ub530\ub77c \uc218\uc775\ub960 \ucc28\uac00 \ud06c\uac8c \ubc1c\uc0dd\ud588\ub2e4. \ud3c9\uade0 \uc218\uc775\ub960\uacfc \uc801\ub9bd\uae08 \ud750\ub984\uc758 \ubd88\uade0\ud615\uc774 \ub69c\ub837\ud574 \uac00\uc785\uc790 \uc120\ud0dd\uc758 \uc911\uc694\uc131\uc774 \ucee4\uc84c\ub2e4.<\/p>\n<ul>\n<li>\ub514\ud3f4\ud2b8\uc635\uc158\uc740 2023\ub144 7\uc6d4\ubd80\ud130 \ubaa8\ub4e0 \ud1f4\uc9c1\uc5f0\uae08 \uc0ac\uc5c5\uc790\uc5d0 \uc801\uc6a9\ub410\uc73c\uba70, \uc801\uc6a9 \ub300\uc0c1\uc740 DC\u00b7IRP \uac00\uc785\uc790\ub2e4.<\/li>\n<li>\uac00\uc785\uc790\uac00 \ubcc4\ub3c4 \uc6b4\uc6a9 \uc9c0\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc73c\uba74 \ud1b5\uc0c1 2~6\uc8fc \ud6c4 \ubbf8\ub9ac \uc9c0\uc815\ud55c \uc0c1\ud488\uc73c\ub85c \uc790\ub3d9 \uc6b4\uc6a9\uc774 \uc2dc\uc791\ub41c\ub2e4.<\/li>\n<li>\uae08\uc735\uac10\ub3c5\uc6d0 \ubd84\uc11d(\uae30\uc900\uc77c: \uc9c0\ub09c\ud574 1\ub144 \uc218\uc775\ub960)\uc5d0 \ub530\ub974\uba74 \uc801\uadf9\ud22c\uc790\ud615 \ud3c9\uade0 \uc218\uc775\ub960\uc740 14.93%\ub85c \uac00\uc7a5 \ub192\uc558\ub2e4.<\/li>\n<li>\uc911\ub9bd\ud22c\uc790\ud615 \ud3c9\uade0 10.81%, \uc548\uc815\ud22c\uc790\ud615 7.47%, \uc548\uc815\ud615 2.63%\ub85c \uc9d1\uacc4\ub410\ub2e4.<\/li>\n<li>\uadf8\ub7ec\ub098 \uc804\uccb4 \ub514\ud3f4\ud2b8\uc635\uc158 \uc801\ub9bd\uae08 53\uc8703000\uc5b5\uc6d0 \uc911 \uc801\uadf9\ud22c\uc790\ud615\uc5d0\ub294 1\uc8703646\uc5b5\uc6d0(2.6%)\ub9cc, \uc548\uc815\ud615\uc5d0 45\uc8705282\uc5b5\uc6d0(85.4%)\uc774 \uc3e0\ub824 \uc788\ub2e4.<\/li>\n<li>\uc801\uadf9\ud22c\uc790\ud615\uc758 \uc6b4\uc6a9\uc131\uacfc\ub294 \uc99d\uad8c\uc0ac\ubcc4 \uaca9\ucc28\uac00 \ucef8\ub2e4. \uc0c1\uc704 5\uac1c\uc0ac\ub294 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c(26.62%), \ud55c\ud654\ud22c\uc790\uc99d\uad8c(19.81%), \uc0bc\uc131\uc99d\uad8c(19.55%), iM\uc99d\uad8c(19.38%), \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c(19.32%)\uc774\ub2e4.<\/li>\n<li>\uc911\ub9bd\ud22c\uc790\ud615 \uc0c1\uc704\ub294 \uad11\uc8fc\uc740\ud589(17.47%), \ub300\uc2e0\uc99d\uad8c(16.00%), \uc0bc\uc131\uc0dd\uba85(14.62%), NH\ud22c\uc790\uc99d\uad8c(14.52%), \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c(13.97%)\uc73c\ub85c \uc870\uc0ac\ub410\ub2e4.<\/li>\n<li>\uc548\uc815\ud22c\uc790\ud615\uc740 \uc0c1\uc704 5\uac1c\uc0ac\uac00 \ubaa8\ub450 16.27%\uc758 \ub3d9\uc77c\ud55c \uc218\uc775\ub960\uc744 \uae30\ub85d\ud588\uace0, \uc548\uc815\ud615 \uc0c1\uc704 5\uac1c\uc0ac\ub294 \ub300\uccb4\ub85c \uc5f0 3% \uc548\ud30e\uc758 \uc218\uc775\ub960\uc744 \ubcf4\uc600\ub2e4.<\/li>\n<\/ul>\n<h2>\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p>\ud1f4\uc9c1\uc5f0\uae08 \uac00\uc785\uc740 \ub300\ubd80\ubd84 \uadfc\ub85c\uacc4\uc57d\uc744 \ud1b5\ud574 \uc790\ub3d9\uc73c\ub85c \uc774\ub904\uc9c0\uc9c0\ub9cc, \uac00\uc785 \uc774\ud6c4\uc758 \uc6b4\uc6a9 \uc9c0\uc2dc\ub294 \uac00\uc785\uc790 \ubaab\uc73c\ub85c \ub0a8\ub294\ub2e4. \ub9ce\uc740 \uac00\uc785\uc790\uac00 \ucd08\uae30 \uc124\uc815 \ud6c4 \uc7a5\uae30\uac04 \ubcc4\ub3c4 \uad00\ub9ac\ub098 \uc810\uac80\uc744 \ud558\uc9c0 \uc54a\uc544 \uc790\uc0b0\uc774 \ud604\uae08\uc131 \uc0c1\ud488\uc774\ub098 \uc800\uc218\uc775 \uad6c\uc870\uc5d0 \ubc29\uce58\ub418\ub294 \uacbd\uc6b0\uac00 \ud754\ud588\ub2e4. \uc774\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud574 \ub514\ud3f4\ud2b8\uc635\uc158 \uc81c\ub3c4\uac00 \ub3c4\uc785\ub410\uace0, \ubaa9\uc801\uc740 \uac00\uc785\uc790 \uc758\uc0ac\ud655\uc778\uc774 \uc7a5\uae30 \ubc29\uce58\ub41c \uacc4\uc88c\uc758 \uc800\ud6a8\uc728 \uc6b4\uc6a9\uc744 \ub9c9\ub294 \ub370 \uc788\ub2e4.<\/p>\n<p>\ub514\ud3f4\ud2b8\uc635\uc158\uc740 \uc790\ub3d9 \uc6b4\uc6a9\uc744 \uc758\ubbf8\ud558\uc9c0\ub9cc \uac00\uc785\uc790\uc758 \uc120\ud0dd\uad8c\uc744 \uc557\uc544\uac00\uc9c0 \uc54a\ub294\ub2e4. \uac00\uc785\uc790\ub294 \uc5b8\uc81c\ub4e0\uc9c0 \uc635\ud2b8\uc778(\uc804\ud658)\ud560 \uc218 \uc788\uace0, \uc790\ub3d9\uc6b4\uc6a9 \uc911\uc774\ub77c\ub3c4 \uc6d0\ud558\uba74 \uc635\ud2b8\uc544\uc6c3\ud574 \ub2e4\ub978 \uc0c1\ud488\uc73c\ub85c \ubc14\uafc0 \uc218 \uc788\ub2e4. \ub2e4\ub9cc \ub514\ud3f4\ud2b8\uc635\uc158\uc758 \uc124\uacc4\ub294 \uae08\uc735\ud68c\uc0ac\ubcc4\ub85c \ub2ec\ub77c \ub3d9\uc77c\ud55c &#8216;\uc801\uadf9\ud22c\uc790\ud615&#8217;\uc774\ub77c\ub3c4 \uc790\uc0b0 \ubc30\ubd84\u00b7\uc6b4\uc6a9\uc804\ub7b5\uc5d0 \ub530\ub77c \uc131\uacfc\uac00 \ud06c\uac8c \uc5c7\uac08\ub9b4 \uc218 \uc788\ub2e4.<\/p>\n<h2>\uc8fc\uc694 \uc0ac\uac74<\/h2>\n<p>\uae08\uc735\uac10\ub3c5\uc6d0\uc774 \uc9c0\ub09c\ud574 1\ub144 \uc218\uc775\ub960\uc744 \uae30\uc900\uc73c\ub85c \uc9d1\uacc4\ud55c \uacb0\uacfc\ub294 \ud55c\ub208\uc5d0 \ub208\uc5d0 \ub748\ub2e4. \uc801\uadf9\ud22c\uc790\ud615\uc758 \ud3c9\uade0 \uc131\uacfc\ub294 14.93%\uc600\uc9c0\ub9cc, \uc774 \uc720\ud615\uc5d0 \ubc30\ubd84\ub41c \uc790\uae08\uc740 \uc804\uccb4\uc758 2.6%\uc5d0 \ubd88\uacfc\ud588\ub2e4. \ubc18\ub300\ub85c \uc548\uc815\ud615\uc740 \ud3c9\uade0 \uc218\uc775\ub960\uc774 2.63%\uc5d0 \uadf8\ucce4\uace0 \uc804\uccb4 \uc801\ub9bd\uae08\uc758 85.4%\uac00 \ubab0\ub824 \uc788\ub2e4. \uc774 \uac19\uc740 \ubc30\uce58\uac00 \ud5a5\ud6c4 \ub178\ud6c4\uc790\uc0b0\uc758 \uaca9\ucc28\ub85c \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4.<\/p>\n<p>\uac19\uc740 \uc801\uadf9\ud22c\uc790\ud615\uc774\ub77c\ub3c4 \uc6b4\uc6a9\uc0ac\ubcc4 \uc131\uacfc \ucc28\ub294 \ucef8\ub2e4. \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 \ud574\ub2f9 \uc720\ud615\uc5d0\uc11c 26.62%\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud574 \uc0c1\uc704\uad8c\uc5d0 \uc62c\ub790\uace0, \ub2e4\ub978 \uc99d\uad8c\uc0ac\ub4e4\uc740 19% \ub0b4\uc678\ub85c \uc9d1\uacc4\ub410\ub2e4. \uc548\uc815\ud22c\uc790\ud615\uc5d0\uc11c\ub294 \ub3d9\uc77c\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc5ec\ub7ec \uc0ac\uc5c5\uc790\uc5d0\uc11c \ud314\ub9ac\uba70 \uc0c1\uc704\uad8c\uc774 \ub3d9\uc77c\ud55c \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uc0ac\ub840\ub3c4 \uad00\ucc30\ub410\ub2e4.<\/p>\n<p>\uc2e4\ubb34\uc801\uc73c\ub85c \ub514\ud3f4\ud2b8\uc635\uc158\uc740 \uac00\uc785\uc790\uac00 \uc544\ubb34\ub7f0 \uc9c0\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc744 \ub54c\ub9cc \uc791\ub3d9\ud558\ubbc0\ub85c, \uc774\ubbf8 \uc790\uc728\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ubc30\ubd84\ud55c \uacc4\uc88c\uc5d0\ub294 \uc601\ud5a5\uc744 \uc8fc\uc9c0 \uc54a\ub294\ub2e4. \uae08\uc735\uc0ac\ubcc4 \uc0c1\ud488 \uad6c\uc131\u00b7\uc6b4\uc6a9 \ucca0\ud559\u00b7\uc218\uc218\ub8cc \uad6c\uc870\uac00 \uc7a5\uae30 \uc131\uacfc\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \uac00\uc785\uc790 \uc778\uc2dd\uacfc \uc810\uac80 \ube48\ub3c4\ub3c4 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud55c\ub2e4.<\/p>\n<h2>\ubd84\uc11d \ubc0f \uc758\ubbf8<\/h2>\n<p>\uccab\uc9f8, \ub514\ud3f4\ud2b8\uc635\uc158\uc740 &#8216;\ubc29\uce58\ub41c \uc790\uc0b0\uc758 \uad6c\uc870\uc801 \uac1c\uc120&#8217;\uc744 \ubaa9\ud45c\ub85c \ud558\uc9c0\ub9cc \uc124\uacc4 \ubc29\uc2dd\uc774 \uc218\uc775\uc131\uc5d0 \uacb0\uc815\uc801 \uc601\ud5a5\uc744 \uc900\ub2e4. \uc801\uadf9\ud22c\uc790\ud615\uc774 \ub192\uc740 \ud3c9\uade0 \uc218\uc775\uc744 \uae30\ub85d\ud588\uc74c\uc5d0\ub3c4 \uc790\uae08 \uc720\uc785\uc774 \uc801\uc740 \uc774\uc720\ub294 \uc704\ud5d8\ud68c\ud53c \uc131\ud5a5\uacfc \ud1f4\uc9c1 \uc2dc\uc810 \ub4f1\uc744 \uace0\ub824\ud55c \uac00\uc785\uc790 \uc120\ud0dd \ub54c\ubb38\uc774\ub2e4. \uc774\uc5d0 \ub530\ub77c \ub3d9\uc77c\ud55c \uc81c\ub3c4\ub77c\ub3c4 \uac00\uc785\uc790 \uc131\ud5a5\uacfc \uae08\uc735\ud68c\uc0ac \uc120\ud0dd\uc774 \uc7a5\uae30 \uc131\uacfc\ub97c \uac08\ub77c\ub193\ub294\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uae08\uc735\ud68c\uc0ac\ubcc4 \uc6b4\uc6a9 \uaca9\ucc28\ub294 \uac00\uc785\uc790\uac00 \ub2e8\uc21c\ud788 \uc720\ud615\ub9cc \ubcf4\uace0 \ud310\ub2e8\ud560 \ub54c \ubc1c\uc0dd\ud558\ub294 \ubb38\uc81c\ub97c \ub4dc\ub7ec\ub0b8\ub2e4. \uac19\uc740 &#8216;\uc801\uadf9\ud22c\uc790\ud615&#8217;\uc774\ub77c\ub3c4 \uc8fc\uc2dd\u00b7\ucc44\uad8c\u00b7\ub300\uccb4\uc790\uc0b0 \ube44\uc911\uacfc \ub9ac\ubc38\ub7f0\uc2f1 \ubc29\uc2dd, \uc6b4\uc6a9\ud300\uc758 \uc804\ub7b5 \ucc28\uc774\uac00 \ub204\uc801\uc218\uc775\ub960\uc5d0 \ubc18\uc601\ub41c\ub2e4. \ub530\ub77c\uc11c \uac00\uc785\uc790\ub294 \uc720\ud615\ubfd0 \uc544\ub2c8\ub77c \uc6b4\uc6a9\uc0ac\ubcc4 \uc6b4\uc6a9 \uacb0\uacfc\uc640 \uc804\ub7b5\uc744 \ube44\uad50\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \uc790\uae08\uc758 \ud3b8\uc911(\uc548\uc815\ud615 85.4% \uc9d1\uc911)\uc740 \ubcf4\uc218\uc801 \uc124\uacc4\uac00 \ub2e4\uc218\uc758 \uac00\uc785\uc790\uc5d0\uac8c \ub354 \ud070 \uc601\ud5a5\ub825\uc744 \uac16\ub294 \ud604\uc2e4\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uc6d0\ub9ac\uae08\ubcf4\uc7a5 \uad6c\uc870\uac00 \ub9ce\uc740 \uac00\uc785\uc790\uc5d0\uac8c \uc2ec\ub9ac\uc801 \uc548\uc804\ud310\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc778\ud50c\ub808\uc774\uc158\uacfc \uae30\ud68c\ube44\uc6a9 \uce21\uba74\uc5d0\uc11c \uc218\uc775\uc131\uc744 \uc800\ud574\ud560 \uc218 \uc788\ub2e4. \uc815\uae30\uc801\uc778 \uc810\uac80\uacfc \uc740\ud1f4 \uc2dc\uc810\uc5d0 \ub9de\ucd98 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc870\uc815\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<h2>\ube44\uad50 \ubc0f \ub370\uc774\ud130<\/h2>\n<figure>\n<table>\n<thead>\n<tr>\n<th>\uc720\ud615<\/th>\n<th>\ud3c9\uade0 \uc5f0\uac04 \uc218\uc775\ub960<\/th>\n<th>\uc801\ub9bd\uae08(\uc6d0\u00b7\ube44\uc911)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc801\uadf9\ud22c\uc790\ud615<\/td>\n<td>14.93%<\/td>\n<td>1\uc8703,646\uc5b5(2.6%)<\/td>\n<\/tr>\n<tr>\n<td>\uc911\ub9bd\ud22c\uc790\ud615<\/td>\n<td>10.81%<\/td>\n<td>2\uc8705,336\uc5b5(4.7%)<\/td>\n<\/tr>\n<tr>\n<td>\uc548\uc815\ud22c\uc790\ud615<\/td>\n<td>7.47%<\/td>\n<td>3\uc8709,053\uc5b5(7.3%)<\/td>\n<\/tr>\n<tr>\n<td>\uc548\uc815\ud615<\/td>\n<td>2.63%<\/td>\n<td>45\uc8705,282\uc5b5(85.4%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>\uc704 \ud45c\ub294 \uae08\uc735\uac10\ub3c5\uc6d0\uc774 \uc9d1\uacc4\ud55c \uc9c0\ub09c\ud574 1\ub144 \uc218\uc775\ub960 \ubc0f \uc801\ub9bd\uae08 \ubc30\ubd84\uc744 \uc694\uc57d\ud55c \uac83\uc774\ub2e4. \uc218\uc775\ub960\uc740 \ub2e8\ub144 \uc131\uacfc\uc774\ubbc0\ub85c \uc7a5\uae30 \ucd94\uc138\uc640 \ubd84\uc0b0\ud22c\uc790 \ud6a8\uacfc\ub97c \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \uc77c\ubd80 \uc720\ud615\uc740 \uc0c1\ud488 \uad6c\uc131\uc758 \uc720\uc0ac\uc131\uc73c\ub85c \uc778\ud574 \uae08\uc735\ud68c\uc0ac \uac04 \uc218\uc775\ub960\uc774 \ub3d9\uc77c\ud558\uac8c \ub098\ud0c0\ub098\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc5c8\ub2e4.<\/p>\n<h2>\ubc18\uc751 \ubc0f \uc778\uc6a9<\/h2>\n<p>\uae08\uc735\ub2f9\uad6d \uad00\uacc4\uc790\ub294 \uac00\uc785\uc790\uc758 \uc8fc\uae30\uc801 \uc810\uac80 \ud544\uc694\uc131\uc744 \uac15\uc870\ud588\ub2e4. \uc544\ub798 \uc778\uc6a9\uc740 \uc694\uc9c0\ub97c \ubc1c\ucdcc\ud55c \uac83\uc774\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\uac00\uc785\uc790\uac00 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \uc740\ud1f4 \uc2dc\uc810\uc5d0 \ub9de\ub294 \uc720\ud615\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud55c \ub4a4 \uc120\ud0dd\ud560 \ud544\uc694\uac00 \uc788\ub2e4.&#8221;<\/p>\n<p><cite>\uae08\uc735\uac10\ub3c5\uc6d0 \uad00\uacc4\uc790(\uacf5\uc2dd \uc785\uc7a5)<\/cite><\/p><\/blockquote>\n<p>\ud55c \uc5f0\uae08\uc6b4\uc6a9 \uc804\ubb38\uac00\ub294 \uc6b4\uc6a9\uc0ac\ubcc4 \ucc28\uc774\uc5d0 \uad00\ud574 \uc2e4\ubb34\uc801 \uad00\uc810\uc744 \uc81c\uc2dc\ud588\ub2e4. \uc804\ubb38\uac00\ub294 \ub9ac\ubc38\ub7f0\uc2f1, \uc6b4\uc6a9\ube44\uc6a9, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc758 \ucc28\uc774\uac00 \ub204\uc801\uc131\uacfc\ub97c \uc88c\uc6b0\ud55c\ub2e4\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\uac19\uc740 &#8216;\uc801\uadf9\ud22c\uc790\ud615&#8217;\uc774\ub77c\ub3c4 \uc790\uc0b0 \ubc30\ubd84\uacfc \uc6b4\uc6a9 \uaddc\uc728\uc5d0\uc11c \ucc28\uc774\uac00 \ub098\uba74 \uc7a5\uae30 \uc131\uacfc\ub294 \ud06c\uac8c \ub2ec\ub77c\uc9c4\ub2e4.&#8221;<\/p>\n<p><cite>\uc5f0\uae08\uc6b4\uc6a9 \uc804\ubb38\uac00(\uc5c5\uacc4 \uc124\uba85)<\/cite><\/p><\/blockquote>\n<h2>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4\u00b7\ubc29\ubc95\ub860<\/summary>\n<p>\ub514\ud3f4\ud2b8\uc635\uc158: \uac00\uc785\uc790\uac00 \ubcc4\ub3c4 \uc9c0\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc744 \ub54c \uc0ac\uc804\uc5d0 \uc815\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub85c \uc790\ub3d9 \uc6b4\uc6a9\ud558\ub294 \uc81c\ub3c4\ub2e4. DC(\ud655\uc815\uae30\uc5ec\ud615)\u00b7IRP(\uac1c\uc778\ud615\ud1f4\uc9c1\uc5f0\uae08)\uac00 \ub300\uc0c1\uc774\uba70, \ubcf4\ud1b5 2~6\uc8fc \ub3d9\uc548 \uc6b4\uc6a9 \uc9c0\uc2dc\uac00 \uc5c6\uc73c\uba74 \uc801\uc6a9\ub41c\ub2e4. \uc720\ud615\uc740 \uc6d0\ub9ac\uae08\ubcf4\uc7a5\uc744 \uc6b0\uc120\ud55c &#8216;\uc548\uc815\ud615&#8217;\uacfc \uc8fc\uc2dd\u00b7\ucc44\uad8c \ub4f1\uc744 \ud63c\ud569\ud574 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 &#8216;\uc548\uc815\ud22c\uc790\ud615\u00b7\uc911\ub9bd\ud22c\uc790\ud615\u00b7\uc801\uadf9\ud22c\uc790\ud615&#8217;\uc73c\ub85c \ub098\ub25c\ub2e4. \uc635\ud2b8\uc778\u00b7\uc635\ud2b8\uc544\uc6c3\uc740 \uac00\uc785\uc790\uc758 \uc804\ud658\u00b7\ud574\uc9c0 \uad8c\ud55c\uc744 \ub73b\ud55c\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<\/h2>\n<h2>\ubd88\ud655\uc2e4\ud55c \ubd80\ubd84<\/h2>\n<ul>\n<li>\ub2e8\uae30(1\ub144) \uc218\uc775\ub960\uc774 \uc7a5\uae30 \uc218\uc775\uc131\uc73c\ub85c \uc9c1\uacb0\ub41c\ub2e4\ub294 \ud574\uc11d\uc740 \ucd94\uac00 \uac80\uc99d\uc774 \ud544\uc694\ud558\ub2e4.<\/li>\n<li>\uc77c\ubd80 \uae08\uc735\ud68c\uc0ac\uc758 \uc0c1\ud488\ubcc4 \ube44\uc6a9\uad6c\uc870\uc640 \uc138\ubd80 \uc6b4\uc6a9\uc804\ub7b5\uc740 \uacf5\uc2dc \uc815\ubcf4\ub9cc\uc73c\ub85c \uc644\uc804 \ube44\uad50\uac00 \uc5b4\ub835\ub2e4.<\/li>\n<li>\uac00\uc785\uc790\ubcc4 \uc2e4\uc81c \ub9ac\uc2a4\ud06c \ud5c8\uc6a9\ub3c4\u00b7\ud1f4\uc9c1 \uc2dc\uc810 \uc815\ubcf4\uac00 \uc9d1\uacc4\uc5d0 \ubc18\uc601\ub418\uc9c0 \uc54a\uc544 \uac1c\uc778\ubcc4 \ucd5c\uc801 \uc120\ud0dd\uacfc \uacb0\uacfc\uc758 \uc9c1\uc811\uc801 \uc5f0\uacb0\uc740 \uc81c\ud55c\uc801\uc774\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9<\/h2>\n<p>\ub514\ud3f4\ud2b8\uc635\uc158\uc740 \ubc29\uce58\ub41c \ud1f4\uc9c1\uc5f0\uae08\uc758 \uc800\uc218\uc775 \ubb38\uc81c\ub97c \uc644\ud654\ud560 \uc218 \uc788\ub294 \uc81c\ub3c4\uc801 \uc7a5\uce58\ub2e4. \ub2e4\ub9cc \uc81c\ub3c4\uc758 \ud6a8\uacfc\ub294 \ub2e8\uc21c\ud55c &#8216;\uc790\ub3d9\ud654&#8217;\uac00 \uc544\ub2c8\ub77c \uae08\uc735\ud68c\uc0ac\ubcc4 \uc124\uacc4\u00b7\uc6b4\uc6a9 \uc5ed\ub7c9\uacfc \uac00\uc785\uc790\uc758 \uc120\ud0dd\u00b7\uc810\uac80 \uc2b5\uad00\uc5d0 \uc758\ud574 \uc88c\uc6b0\ub41c\ub2e4. \uac00\uc785\uc790\ub294 \uc720\ud615\ubfd0 \uc544\ub2c8\ub77c \uc6b4\uc6a9\uc0ac\ubcc4 \uc131\uacfc\uc640 \uc218\uc218\ub8cc, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc138\ubd80 \uad6c\uc131\uae4c\uc9c0 \ud655\uc778\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc2e4\ubb34\uc801 \uad8c\uace0\ub85c\ub294 \uc5f0 1\ud68c \uc774\uc0c1 \uc218\uc775\ub960\uacfc \uc790\uc0b0\ubc30\ubd84\uc744 \uc810\uac80\ud558\uace0, \uc740\ud1f4 \uc2dc\uc810\u00b7\ub9ac\uc2a4\ud06c \ud5c8\uc6a9\ub3c4\ub97c \uae30\uc900\uc73c\ub85c \uc720\ud615\uc744 \uc870\uc815\ud558\ub294 \uac83\uc774\ub2e4. \ud2b9\ud788 \uc548\uc815\ud615\uc5d0 \uacfc\ub3c4\ud558\uac8c \uc790\uae08\uc774 \ubab0\ub9b0 \ud604\uc0c1\uc740 \uc7a5\uae30 \uc2e4\uc9c8\uc218\uc775\uc744 \uc800\ud574\ud560 \uc218 \uc788\uc5b4 \uc2e0\uc911\ud55c \uac80\ud1a0\uac00 \ud544\uc694\ud558\ub2e4.<\/p>\n<h2>\ucd9c\ucc98<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.hankyung.com\/article\/202602270077i\" target=\"_blank\" rel=\"noopener\">\ud55c\uad6d\uacbd\uc81c \uae30\uc0ac<\/a> \u2014 \uc5b8\ub860(\ubcf4\ub3c4)<\/li>\n<li><a href=\"https:\/\/www.fss.or.kr\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uac10\ub3c5\uc6d0<\/a> \u2014 \uacf5\uc2dd(\uae08\uc735\uac10\ub3c5\u00b7\ubd84\uc11d \uc790\ub8cc)<\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\ud1f4\uc9c1\uc5f0\uae08\uc774 \ub178\ud6c4 \uc790\uc0b0 \uc131\ud328\ub97c \uc88c\uc6b0\ud558\ub294 \uc0ac\ub840\uac00 \uc18d\uc18d \ubcf4\uace0\ub418\uace0 \uc788\ub2e4. 2023\ub144 7\uc6d4 \uc804\uba74 \ub3c4\uc785\ub41c &#8216;\ub514\ud3f4\ud2b8\uc635\uc158&#8217;\uc740 \uac00\uc785\uc790\uac00 \uc77c\uc815 \uae30\uac04(\ud1b5\uc0c1 2~6\uc8fc) \ubcc4\ub3c4 \uc6b4\uc6a9 \uc9c0\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc73c\uba74 \uc0ac\uc804\uc5d0 \uc815\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub85c \uc790\ub3d9 \uc6b4\uc6a9\ud558\ub294 \uc81c\ub3c4\ub2e4. \uac19\uc740 \uc720\ud615(\uc548\uc815\ud615\u00b7\uc548\uc815\ud22c\uc790\ud615\u00b7\uc911\ub9bd\ud22c\uc790\ud615\u00b7\uc801\uadf9\ud22c\uc790\ud615)\uc774\ub77c\ub3c4 \uae08\uc735\ud68c\uc0ac\ubcc4 \uc6b4\uc6a9\uc804\ub7b5\uc5d0 \ub530\ub77c \uc218\uc775\ub960 \ucc28\uac00 \ud06c\uac8c \ubc1c\uc0dd\ud588\ub2e4. \ud3c9\uade0 \uc218\uc775\ub960\uacfc \uc801\ub9bd\uae08 \ud750\ub984\uc758 \ubd88\uade0\ud615\uc774 \ub69c\ub837\ud574 \uac00\uc785\uc790 \uc120\ud0dd\uc758 \uc911\uc694\uc131\uc774 \ucee4\uc84c\ub2e4. \ub514\ud3f4\ud2b8\uc635\uc158\uc740 2023\ub144 7\uc6d4\ubd80\ud130 \ubaa8\ub4e0 \ud1f4\uc9c1\uc5f0\uae08 \uc0ac\uc5c5\uc790\uc5d0 \uc801\uc6a9\ub410\uc73c\uba70, &#8230; <a title=\"\uadf8\uc57c\ub9d0\ub85c &#8216;\ud55c \ub057 \ucc28\uc774&#8217;\u2026\ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c \ub300\ubc15 \ub09c \uc774\uc720 \uc788\uc5c8\ub2e4\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/default-option-pension\/\" aria-label=\"\uadf8\uc57c\ub9d0\ub85c &#8216;\ud55c \ub057 \ucc28\uc774&#8217;\u2026\ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c \ub300\ubc15 \ub09c \uc774\uc720 \uc788\uc5c8\ub2e4\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":9279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\ud1f4\uc9c1\uc5f0\uae08 \ub514\ud3f4\ud2b8\uc635\uc158, \ud55c \ub057 \ucc28\uc774\uac00 \uc218\uc775\uc744 \uac08\ub790\ub2e4 - \ub514\uc9c0\ud138\ub274\uc2a4","rank_math_description":"2023\ub144 7\uc6d4 \ub3c4\uc785\ub41c \ud1f4\uc9c1\uc5f0\uae08 \ub514\ud3f4\ud2b8\uc635\uc158 \ub3c4\uc785 \ud6c4 \uae08\uc735\uc0ac\ubcc4 \uc124\uacc4 \ucc28\uc774\ub85c \uc218\uc775 \uaca9\ucc28\uac00 \ucee4\uc84c\ub2e4. \uc801\uadf9\ud22c\uc790\ud615 \ud3c9\uade0 14.93%\uc9c0\ub9cc \uc801\ub9bd\uae08\uc740 2.6%\uc5d0 \ubd88\uacfc\ud55c \ud604\uc2e4\uacfc \uc2e4\ubb34 \ub300\ucc98\ub97c \uc815\ub9ac\ud588\ub2e4.","rank_math_focus_keyword":"\ud1f4\uc9c1\uc5f0\uae08,\ub514\ud3f4\ud2b8\uc635\uc158,\uc218\uc775\ub960,\uc801\uadf9\ud22c\uc790\ud615,\uc801\ub9bd\uae08","footnotes":""},"categories":[2],"tags":[],"class_list":["post-9281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"_links":{"self":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/9281","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/comments?post=9281"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/9281\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/9279"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=9281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=9281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=9281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}