{"id":26620,"date":"2025-12-27T09:01:38","date_gmt":"2025-12-27T00:01:38","guid":{"rendered":"https:\/\/blog.agentsoft.co.kr\/index.php\/2025\/12\/27\/26620\/"},"modified":"2025-12-27T09:01:38","modified_gmt":"2025-12-27T00:01:38","slug":"%ec%a1%b4%eb%a6%ac%ec%9d%98-%ea%b8%88%ec%9c%b5%eb%ac%b8%eb%a7%b9-%ed%83%88%ec%b6%9c-%ec%9a%94%ec%95%bd-%ec%a0%95%eb%a6%ac%ed%91%9c-%ec%9d%b4%ec%9a%a9","status":"publish","type":"post","link":"https:\/\/blog.agentsoft.co.kr\/index.php\/2025\/12\/27\/26620\/","title":{"rendered":"\uc874\ub9ac\uc758 \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c \uc694\uc57d, \uc815\ub9ac(\ud45c \uc774\uc6a9)"},"content":{"rendered":"

<\/p>\n

\ubaa9\ucc28<\/strong><\/p>\n

\uc81c1\ubd80 \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c
\n1. \uae08\uc735\ubb38\ub9f9\uc774 \ubb34\uc5c7\uc774\uae30\uc5d0
\n2. 401(K)\ud50c\ub79c\uacfc \ubbf8\uad6d\uc758 \uae08\uc735\uacbd\uc7c1\ub825
\n3. \ud55c\uad6d\uacfc \uc77c\ubcf8, \ucd5c\uc545\uc758 \uae08\uc735\ubb38\ub9f9 \uc0ac\ub840
\n4. \uc720\ub300\uc778\uc758 \uae38\uc744 \ub530\ub77c\uac00\ub77c
\n5. \uae08\uc735\ubb38\ub9f9\uc740 \uc774\ub7f0 \ubaa8\uc2b5<\/p>\n

\uc81c2\ubd80 \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c\uacfc \uc8fc\uc2dd\ud22c\uc790
\n1. \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c\uc740 \uc8fc\uc2dd\ud22c\uc790\uc640 \ub9de\ub2ff\uc544 \uc788\ub2e4
\n2. \uc544\uc9c1 \uc8fc\uc2dd\ud22c\uc790\ub97c \ub9dd\uc124\uc774\ub294\uac00?
\n3. \uc8fc\uac00, \ub2e8\uae30\uac04\uc758 \ub4f1\ub77d\uc740 \ubb34\uc2dc\ud558\ub77c: \ub2f9\uc2e0\uc774 \uc804\ubb38\uac00\ub2e4
\n4. \uc8fc\uc2dd \ub9e4\ub3c4\ub294 \u2018\uc608\uc678\u2019\uc870\uce58\ub2e4
\n5. \u2018\ub3d9\ud559\uac1c\ubbf8\u2019\uc758 \uc9c4\uad70: \uc774\uc81c\ub294 \uc815\ubd80\uac00 \ub098\uc11c\ub77c<\/p>\n

\uc81c3\ubd80 \uc561\uc158 \ud50c\ub79c: \ud22c\uc790\ud558\uae30 \uac00\uc7a5 \uc88b\uc744 \ub54c\ub294 \ubc14\ub85c \uc9c0\uae08
\n1. \uc8fc\uc2dd\ud22c\uc790, \uc5f0\uae08\uc81c\ub3c4\ubd80\ud130 \uc774\uc6a9\ud558\ub77c
\n2. \uacf5\ubd80\ub9cc \uc798\ud558\ub294 \uc544\uc774\ubcf4\ub2e4 \uc9c4\uc815\ud55c \ubd80\uc790\uac00 \ub418\ub294 \uc544\uc774\ub4e4
\n3. \uc5b8\uc81c\uae4c\uc9c0 \ucde8\uc5c5\uc5d0\ub9cc \ubaa9\uc744 \ub9ec \uac83\uc778\uac00?
\n4. \uc9d1\uc744 \ubc18\ub4dc\uc2dc \uc18c\uc720\ud574\uc57c \ud55c\ub2e4\ub294 \uac15\ubc15\uad00\ub150<\/p>\n

\ubcf8\ubb38\ub0b4\uc6a9<\/strong><\/p>\n

2. 401(K) \ud50c\ub79c\uacfc \ubbf8\uad6d\uc758 \uae08\uc735 \uacbd\uc7c1\ub825<\/p>\n

<\ubbf8\uad6d\uc758 \ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4- 401(K)\ud50c\ub79c>
\n – 1980\ub144\ub3c4 \ub3c4\uc785\ub41c DC\ud615\ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4
\n – \uadfc\ub85c\uc790\ub4e4\uc774 \uc18c\ub4dd \uc911 10%\ub97c \ub178\ud6c4\ub97c \uc704\ud574 \ud22c\uc790, \ud68c\uc0ac\ub3c4 \uadfc\ub85c\uc790\ub4e4\uc774 \ud22c\uc790\ud55c \uae08\uc561\uc758 \uc77c\uc815 \uae08\uc561\uc744 \ucd94\uac00\ud558\uc5ec \ud22c\uc790
\n – \ub178\ud6c4\uc900\ube44, \uc774\uc9c1 \ubc29\uc9c0
\n – \ubbf8\uad6d\uc758 \uae08\uc735\uc5c5 \uc131\uc7a5, \uc0c8\ub85c\uc6b4 \uae30\uc5c5 \ud0c4\uc0dd
\n – \uae30\uc5c5\uc758 \uc790\uae08\uc870\ub2ec \ube44\uc6a9 \ub0ae\uc544\uc9d0<\/p>\n

<\uc6b0\ub9ac\ub098\ub77c\uc758 \ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4>
\n – \uc6d0\uae08\ubcf4\uc7a5\ud615 \uc0c1\ud488
\n – \ud1f4\uc9c1\uc5f0\uae08\ubc95, \uc81c\ub3c4 \uc815\ube44 \ud544\uc694
\n – \uadfc\ub85c\uc790 \uad50\uc721 \ubc0f \uc778\uc2dd\ubcc0\ud654 \ud544\uc694<\/p>\n

3. \ud55c\uad6d\uacfc \uc77c\ubcf8, \ucd5c\uc545\uc758 \uae08\uc735\ubb38\ub9f9 \uc0ac\ub840<\/p>\n

<\uace0\uc9c8\uc801\uc778 \uae08\uc735\ubb38\ub9f9 \uad6d\uac00\ub4e4>
\n – \uc77c\ubcf8: \uc790\ubcf8\uc744 \uc7ac\ud22c\uc790\ud558\uc9c0 \uc54a\uace0 \uc8fc\uc2dd\ud22c\uc790\ub97c \ubd80\ub044\ub7fd\uac8c \uc5ec\uae40<\/p>\n

<\ud55c\uad6d\uc740 \uc77c\ubcf8\uc758 \uc798\ubabb\uc744 \ub418\ud480\uc774\ud558\ub098?>
\n– \ud55c\uad6d: \ub3c8\uc774 \uc77c\ud574\uc11c \ubc8c\uc5b4\ub4e4\uc774\ub294 \uc218\uc775\uc744 \ub5b3\ub5b3\ud558\uc9c0 \uc54a\uac8c \ubcf4\ub294 \ubb38\ud654
\n– \uc608\uae08, \ubd80\ub3d9\uc0b0 \ubab0\ub450
\n– \uc0ac\uad50\uc721 \uc9c0\ucd9c
\n\u2192 \ud55c\uad6d\uc758 \uacbd\uc7c1\ub825 \ub5a8\uc5b4\ub728\ub9bc<\/p>\n

4. \uc720\ub300\uc778\uc758 \uae38\uc744 \ub530\ub77c\uac00\ub77c
\n<\uc720\ub300\uc778\uc758 \uacbd\uc7c1\ub825>
\n – \ubbf8\uad6d\uc778\uad6c\uc758 2%
\n – \uc790\uc0b0\uc740 \ubbf8\uad6d \uc804\uccb4\uc758 20%
\n – \ub178\ubca8 \uc218\uc0c1\uc790\uc758 \uc57d 30%
\n – \uad50\uc721: 13\uc0b4 \uc131\uc778\uc2dd \uc774\ud6c4 \ub3c8 \uc0ac\uc6a9\ubc95\uc744 \ubc30\uc6c0, \uac1c\uc778\uc758 \ucc3d\uc758\uc131 \uadf9\ub300\ud654
\n<\ud55c\uad6d>
\n – \uc8fc\uc785\uc2dd \uad50\uc721
\n – \ud559\uc5c5 \uc131\uc801 \ubab0\ub450
\n – \uad50\uc721: \ud559\uc6d0 \uc704\ud0c1, \uc2dc\ud5d8 \uc798 \ubcf4\ub294 \uae30\uacc4 \uc591\uc131, \uac1c\uc778\uc758 \ucc3d\uc758\uc131 \uc800\ud558<\/p>\n

<\uc720\ub300\uc778\uc774 \ubd80\uc790\uac00 \ub418\ub294 \uc774\uc720>
\n 1) 13\uc138 \uc131\uc778\uc2dd \uc774\ud6c4 \ud22c\uc790\ub97c \ubc30\uc6c0. \ub3c8\uc774 \uc77c\ud558\uac8c \ud558\ub294 \uac83\uc744 \uae68\ub2ec\uc544 \uacbd\uc81c\uc801 \ub3c5\ub9bd\uc744 \uc77c\uae68\uc6cc\uc900\ub2e4.
\n 2) \uac00\uc871\uacfc \ud568\uaed8\ud558\ub294 \uc2dc\uac04\uc744 \uac16\ub294\ub2e4.
\n – \ud55c\uad6d\uc740 \uc88b\uc740 \uc7a5\uc810\uc774 \ub9ce\uc74c\uc5d0\ub3c4 \uc798\ubabb\ub41c \uc81c\ub3c4\ub85c \uc778\ud574 \uc7a0\uc7ac\ub825\uc744 \ubc1c\ud718\ud558\uc9c0 \ubabb\ud568.<\/p>\n

\ucd9c\ucc98 : \ud574\ud53c\ucea0\ud37c\uc2a4<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\ubaa9\ucc28 \uc81c1\ubd80 \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c 1. \uae08\uc735\ubb38\ub9f9\uc774 \ubb34\uc5c7\uc774\uae30\uc5d0 2. 401(K)\ud50c\ub79c\uacfc \ubbf8\uad6d\uc758 \uae08\uc735\uacbd\uc7c1\ub825 3. \ud55c\uad6d\uacfc \uc77c\ubcf8, \ucd5c\uc545\uc758 \uae08\uc735\ubb38\ub9f9 \uc0ac\ub840 4. \uc720\ub300\uc778\uc758 \uae38\uc744 \ub530\ub77c\uac00\ub77c 5. \uae08\uc735\ubb38\ub9f9\uc740 \uc774\ub7f0 \ubaa8\uc2b5 \uc81c2\ubd80 \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c\uacfc \uc8fc\uc2dd\ud22c\uc790 1. \uae08\uc735\ubb38\ub9f9 \ud0c8\ucd9c\uc740 \uc8fc\uc2dd\ud22c\uc790\uc640 \ub9de\ub2ff\uc544 \uc788\ub2e4 2. \uc544\uc9c1 \uc8fc\uc2dd\ud22c\uc790\ub97c \ub9dd\uc124\uc774\ub294\uac00? 3. \uc8fc\uac00, \ub2e8\uae30\uac04\uc758 \ub4f1\ub77d\uc740 \ubb34\uc2dc\ud558\ub77c: \ub2f9\uc2e0\uc774 \uc804\ubb38\uac00\ub2e4 4. \uc8fc\uc2dd \ub9e4\ub3c4\ub294 \u2018\uc608\uc678\u2019\uc870\uce58\ub2e4 5. \u2018\ub3d9\ud559\uac1c\ubbf8\u2019\uc758 \uc9c4\uad70: \uc774\uc81c\ub294 \uc815\ubd80\uac00 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[30353,33254,33252,33249,33250,8499,33253,12063,33251,31308],"class_list":["post-26620","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-30353","tag-33254","tag-33252","tag-33249","tag-33250","tag-8499","tag-33253","tag-12063","tag-33251","tag-31308"],"_links":{"self":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/posts\/26620","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/comments?post=26620"}],"version-history":[{"count":0,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/posts\/26620\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/media?parent=26620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/categories?post=26620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/tags?post=26620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}