{"id":981,"date":"2026-06-03T05:22:24","date_gmt":"2026-06-02T21:22:24","guid":{"rendered":"https:\/\/junai.ai\/blog\/portfolio-rebalancing-basics-2026\/"},"modified":"2026-06-03T05:22:24","modified_gmt":"2026-06-02T21:22:24","slug":"portfolio-rebalancing-basics-2026","status":"publish","type":"post","link":"https:\/\/junai.ai\/blog\/portfolio-rebalancing-basics-2026\/","title":{"rendered":"\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1\uc774\ub780? \ube44\uc728 \ub9de\ucd94\ub294 \ubc95 \uc785\ubb38(2026)"},"content":{"rendered":"\n<!-- WordPress REST API \ubc1c\ud589\uc6a9 HTML (\uc790\ub3d9 \uc0dd\uc131) -->\n<!-- WP-FEATURED-MEDIA-ID: 976 -->\n<div style=\"max-width:800px;margin:0 auto;\">\n<style>\n  :root {\n    --color-primary: #1e40af;\n    --color-accent: #3b82f6;\n    --color-bg: #fafafa;\n    --color-bg-card: #ffffff;\n    --color-text: #1e293b;\n    --color-text-muted: #64748b;\n    --hero-start: #0f172a;\n    --hero-end: #1e40af;\n  }\n  * { margin: 0; padding: 0; box-sizing: border-box; }\n.container { max-width: 780px; margin: 0 auto; padding: 0 20px; }\n  article { background: var(--color-bg-card); }\n\n  .hero {\n    background: linear-gradient(135deg, var(--hero-start) 0%, var(--hero-end) 100%);\n    color: #f8fafc;\n    padding: 76px 20px 56px;\n    text-align: center;\n  }\n  .hero .eyebrow {\n    display: inline-block;\n    background: rgba(96, 165, 250, 0.15);\n    color: #93c5fd;\n    padding: 6px 14px;\n    border-radius: 20px;\n    font-size: 13px;\n    font-weight: 600;\n    letter-spacing: 0.5px;\n    margin-bottom: 20px;\n  }\n  .hero h1 {\n    font-size: 36px;\n    font-weight: 800;\n    line-height: 1.32;\n    margin-bottom: 16px;\n    letter-spacing: -0.5px;\n  }\n  .hero .subtitle {\n    font-size: 17px;\n    color: #cbd5e1;\n    max-width: 580px;\n    margin: 0 auto;\n  }\n  .hero img { max-width: 100%; height: auto; margin-top: 30px; border-radius: 12px; box-shadow: 0 20px 40px rgba(0,0,0,0.3); }\n\n  .intro {\n    font-size: 18px;\n    padding: 46px 20px 8px;\n    color: #334155;\n  }\n  .intro p + p { margin-top: 18px; }\n\n  section.block {\n    padding: 40px 20px;\n    border-top: 1px solid #e2e8f0;\n  }\n  h2 {\n    font-size: 28px;\n    font-weight: 800;\n    color: #0f172a;\n    margin-bottom: 18px;\n    letter-spacing: -0.3px;\n    line-height: 1.32;\n    padding-left: 14px;\n    border-left: 5px solid var(--color-primary);\n  }\n  h3 {\n    font-size: 21px;\n    font-weight: 700;\n    color: #0f172a;\n    margin: 26px 0 12px;\n    letter-spacing: -0.2px;\n  }\n  p { margin-bottom: 15px; color: #334155; }\n  p:last-child { margin-bottom: 0; }\n  strong { color: var(--color-primary); font-weight: 700; }\n  ul, ol { margin: 0 0 15px 1.1em; }\n  li { margin-bottom: 8px; }\n\n  .data-box {\n    background: #eff6ff;\n    border-left: 4px solid var(--color-primary);\n    border-radius: 6px;\n    padding: 18px 20px;\n    margin: 22px 0;\n    font-size: 16px;\n  }\n  .data-box .label {\n    display: block;\n    font-size: 12.5px;\n    font-weight: 700;\n    color: var(--color-primary);\n    letter-spacing: 0.4px;\n    margin-bottom: 6px;\n  }\n  .warning-box {\n    background: linear-gradient(135deg, #fffbeb 0%, #fef3c7 100%);\n    border: 1px solid #fde68a;\n    border-radius: 8px;\n    padding: 18px 20px;\n    margin: 24px 0;\n    font-size: 15.5px;\n    color: #78350f;\n  }\n  .warning-box strong { color: #92400e; }\n\n  .tablewrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 22px 0; }\n  table { width: 100%; border-collapse: collapse; font-size: 15px; background: var(--color-bg-card); }\n  th, td { padding: 11px 12px; text-align: left; border-bottom: 1px solid #e2e8f0; vertical-align: top; }\n  th { background: #f1f5f9; font-weight: 700; color: #0f172a; }\n  td:first-child, th:first-child { font-weight: 700; }\n\n  .cta {\n    background: #0f172a;\n    color: #e2e8f0;\n    text-align: center;\n    padding: 44px 24px;\n    border-radius: 14px;\n    margin: 12px 0 8px;\n  }\n  .cta h3 { color: #fff; margin-top: 0; }\n  .cta p { color: #cbd5e1; }\n  .disclaimer {\n    font-size: 13px;\n    color: var(--color-text-muted);\n    padding: 28px 20px 56px;\n    border-top: 1px solid #e2e8f0;\n    line-height: 1.7;\n  }\n\n  @media (max-width: 480px) {\n.hero { padding: 56px 18px 42px; }\n    .hero h1 { font-size: 27px; }\n    .hero .subtitle { font-size: 15.5px; }\n    h2 { font-size: 23px; }\n    h3 { font-size: 18.5px; }\n    .intro { font-size: 16.5px; }\n    section.block { padding: 32px 18px; }\n    img { width: 100%; height: auto; }\n  }\n  @media (max-width: 560px) {\n    .tablewrap table, .tablewrap thead, .tablewrap tbody, .tablewrap tr, .tablewrap th, .tablewrap td { display: block; width: auto; }\n    .tablewrap thead { display: none; }\n    .tablewrap tr { margin: 0 0 14px; border: 1px solid #e2e8f0; border-radius: 10px; overflow: hidden; }\n    .tablewrap td { border: none; border-bottom: 1px solid #f1f5f9; padding: 9px 14px; }\n    .tablewrap td:first-child { background: #f1f5f9; font-weight: 800; font-size: 15.5px; }\n    .tablewrap td:last-child { border-bottom: none; }\n    .tablewrap td[data-label]::before { content: attr(data-label) \" \u2014 \"; font-weight: 700; color: var(--color-primary); }\n  }\n<\/style>\n<article>\n  <header class=\"hero\">\n    <span class=\"eyebrow\">\ud22c\uc790 \uc785\ubb38 \u00b7 2026<\/span>\n    <h1>\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1\uc774\ub780? \uc5b8\uc81c, \uc5b4\ub5bb\uac8c \ube44\uc728\uc744 \ub9de\ucd94\ub098<\/h1>\n    <p class=\"subtitle\">\ucc98\uc74c 60\ub300 40\uc73c\ub85c \uc9dc\ub454 \ube44\uc728\uc740 \uac00\ub9cc\ud788 \ub46c\ub3c4 1\ub144 \ub9cc\uc5d0 \uc54c\uc544\uc11c \ud2c0\uc5b4\uc9c4\ub2e4. \uadf8\uac78 \ub2e4\uc2dc \ub9de\ucd94\ub294 \uc77c\uc774 \ub9ac\ubc38\ub7f0\uc2f1\uc774\ub2e4. \uac1c\ub150\u00b7\uc2dc\uc810\u00b7\ubc29\ubc95\uc744 \uc218\uce58 \uc608\uc2dc\ub85c \uc815\ub9ac\ud588\ub2e4.<\/p>\n    <img decoding=\"async\" src=\"https:\/\/junai.ai\/blog\/wp-content\/uploads\/2026\/06\/hero-3.png\" alt=\"\ub3d9\uc804 \ub354\ubbf8 \ub450 \uac1c\uc758 \ubb34\uac8c\ub97c \uc7ac\ub294 \uc800\uc6b8 \u2014 \uc790\uc0b0 \ube44\uc911\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \ub9ac\ubc38\ub7f0\uc2f1 \uac1c\ub150\">\n  <\/header>\n\n  <div class=\"intro container\">\n    <p>\uc8fc\uc2dd 60%, \ucc44\uad8c 40%. \ucc98\uc74c \uacc4\uc88c\ub97c \uadf8\ub807\uac8c \uc9f0\ub2e4\uace0 \ud558\uc790. 1\ub144 \ub4a4 \ub2e4\uc2dc \ub4e4\uc5ec\ub2e4\ubcf4\uba74 \ube44\uc728\uc774 \uadf8\ub300\ub85c \ub0a8\uc544 \uc788\ub294 \uacbd\uc6b0\ub294 \uac70\uc758 \uc5c6\ub2e4. \uc8fc\uc2dd\uc774 \ud55c \ud574 20% \uc624\ub974\uace0 \ucc44\uad8c\uc774 \uc81c\uc790\ub9ac\uc600\ub2e4\uba74, \uac00\ub9cc\ud788 \ub454 \uc0ac\uc774 \ube44\uc911\uc740 <strong>65 \ub300 35<\/strong> \ucabd\uc73c\ub85c \uc2ac\uadf8\uba38\ub2c8 \ub118\uc5b4\uac00 \uc788\ub2e4. \uc190 \ud558\ub098 \uc548 \ub314\ub294\ub370 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc704\ud5d8 \uc131\uaca9\uc774 \ubc14\ub010 \uac83\uc774\ub2e4.<\/p>\n    <p>\ub9ac\ubc38\ub7f0\uc2f1\uc740 \uc774\ub807\uac8c \ubc8c\uc5b4\uc9c4 \ud2c8\uc744 \uc6d0\ub798 \uc124\uacc4\ub85c \ub418\ub3cc\ub9ac\ub294 \uc791\uc5c5\uc774\ub2e4. \uac70\ucc3d\ud55c \ub9e4\ub9e4 \uae30\ubc95\uc774 \uc544\ub2c8\ub77c <strong>&#8216;\uc815\ud574\ub454 \ube44\uc728\uc744 \uc9c0\ud0a4\ub294 \uc815\ube44&#8217;<\/strong>\uc5d0 \uac00\uae5d\ub2e4. \uadf8\ub7f0\ub370 \ub9c9\uc0c1 \ud558\ub824\uace0 \ubcf4\uba74 \uc9c8\ubb38\uc774 \uc904\uc904\uc774 \ub530\ub77c\uc628\ub2e4. \uc5b8\uc81c \ud574\uc57c \ud558\ub098? \ub0a0\uc9dc\ub97c \uc815\ud560\uae4c, \ube44\uc728\uc774 \ud2c0\uc5b4\uc9c8 \ub54c\ub9cc \ud560\uae4c? \uc138\uae08\uc740? \uc544\ub798\uc5d0\uc11c \ud558\ub098\uc529 \uc9da\ub294\ub2e4.<\/p>\n  <\/div>\n\n  <section class=\"block container\">\n    <h2>\ube44\uc728\uc740 \uac00\ub9cc\ud788 \ub46c\ub3c4 \uc54c\uc544\uc11c \ud2c0\uc5b4\uc9c4\ub2e4<\/h2>\n    <p>\ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc774\ud574\ud558\ub824\uba74 \uba3c\uc800 &#8216;\ub4dc\ub9ac\ud504\ud2b8&#8217;\ub97c \ubd10\uc57c \ud55c\ub2e4. \uc790\uc0b0\ub9c8\ub2e4 \uc218\uc775\ub960\uc774 \ub2e4\ub974\ub2c8, \uc2dc\uac04\uc774 \uc9c0\ub098\uba74 \ube44\uc911\uc774 \ubaa9\ud45c\uc5d0\uc11c \ubc97\uc5b4\ub09c\ub2e4. \ub9ce\uc774 \uc624\ub978 \ucabd\uc774 \uc810\uc810 \ub354 \ud070 \uc790\ub9ac\ub97c \ucc28\uc9c0\ud558\ub294 \uc2dd\uc774\ub2e4.<\/p>\n    <p>1,000\ub9cc \uc6d0\uc744 \uc8fc\uc2dd 600\ub9cc \uc6d0, \ucc44\uad8c 400\ub9cc \uc6d0\uc73c\ub85c \uc2dc\uc791\ud588\ub2e4\uace0 \ub450\uace0 \ud55c \ud574 \ud750\ub984\uc744 \ub530\ub77c\uac00 \ubcf4\uc790. <strong>\uc544\ub798 \uc218\uce58\ub294 \uc124\uba85\uc744 \uc704\ud55c \uac00\uc815 \uc608\uc2dc\uc77c \ubfd0, \ud2b9\uc815 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\ub294\ub2e4.<\/strong><\/p>\n\n    <div class=\"tablewrap\">\n      <table>\n        <thead>\n          <tr><th>\uad6c\ubd84<\/th><th>\ucc98\uc74c (\ubaa9\ud45c)<\/th><th>1\ub144 \ub4a4 (\uc608\uc2dc)<\/th><\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>\uc8fc\uc2dd<\/td><td data-label=\"\ucc98\uc74c (\ubaa9\ud45c)\">600\ub9cc \uc6d0 \u00b7 60%<\/td><td data-label=\"1\ub144 \ub4a4 (\uc608\uc2dc)\">720\ub9cc \uc6d0 \u00b7 \uc57d 65%<\/td><\/tr>\n          <tr><td>\ucc44\uad8c<\/td><td data-label=\"\ucc98\uc74c (\ubaa9\ud45c)\">400\ub9cc \uc6d0 \u00b7 40%<\/td><td data-label=\"1\ub144 \ub4a4 (\uc608\uc2dc)\">390\ub9cc \uc6d0 \u00b7 \uc57d 35%<\/td><\/tr>\n          <tr><td>\ud569\uacc4<\/td><td data-label=\"\ucc98\uc74c (\ubaa9\ud45c)\">1,000\ub9cc \uc6d0 \u00b7 100%<\/td><td data-label=\"1\ub144 \ub4a4 (\uc608\uc2dc)\">1,110\ub9cc \uc6d0 \u00b7 100%<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <p>\uc8fc\uc2dd\uc774 20% \uc624\ub974\uace0 \ucc44\uad8c\uc774 \uc0b4\uc9dd \ube60\uc84c\ub2e4\ub294 \uac00\uc815\ub9cc \ub123\uc5b4\ub3c4, \ucc98\uc74c\uc758 60 \ub300 40\uc740 <strong>65 \ub300 35<\/strong>\ub85c \uc774\ub3d9\ud55c\ub2e4. 5%\ud3ec\uc778\ud2b8 \ucc28\uc774\uac00 \ubcc4\uac83 \uc544\ub2cc \ub4ef \ubcf4\uc774\uc9c0\ub9cc \uc758\ubbf8\ub294 \ubd84\uba85\ud558\ub2e4. \ub0b4\uac00 \uac10\ub2f9\ud558\uae30\ub85c \ud588\ub358 \uc704\ud5d8\ubcf4\ub2e4 \uc8fc\uc2dd \ube44\uc911\uc774 \ub354 \ucee4\uc9c4 \uc0c1\ud0dc\ub85c \ub2e4\uc74c \ud558\ub77d\uc7a5\uc744 \ub9de\ub294\ub2e4\ub294 \ub73b\uc774\ub2e4.<\/p>\n    <div class=\"data-box\">\n      <span class=\"label\">\ud575\uc2ec \ud55c \uc904<\/span>\n      \ub4dc\ub9ac\ud504\ud2b8\ub294 \uc798\ubabb\uc774 \uc544\ub2c8\ub77c \uc2dc\uc7a5\uc774 \ub9cc\ub4e0 \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \uacb0\uacfc\ub2e4. \ub9ac\ubc38\ub7f0\uc2f1\uc740 \uadf8 \uacb0\uacfc\ub97c \ub418\ub3cc\ub824 <strong>&#8216;\ub0b4\uac00 \uc815\ud55c \uc704\ud5d8 \uc218\uc900&#8217;<\/strong>\uc744 \uc720\uc9c0\ud558\ub294 \ud589\uc704\ub2e4.\n    <\/div>\n  <\/section>\n\n  <section class=\"block container\">\n    <h2>\uc5b8\uc81c \ub9de\ucd9c\uae4c \u2014 \uc815\uae30 \ubc29\uc2dd vs \uc784\uacc4\uce58 \ubc29\uc2dd<\/h2>\n    <p>\ub418\ub3cc\ub9ac\ub294 \uc2e0\ud638\ub97c \ubb34\uc5c7\uc73c\ub85c \uc0bc\ub290\ub0d0\uc5d0 \ub530\ub77c \ubc29\ubc95\uc774 \uac08\ub9b0\ub2e4. \ud06c\uac8c \ub450 \uac08\ub798\ub2e4.<\/p>\n\n    <h3>\u2460 \uc815\uae30(\ub2ec\ub825) \ub9ac\ubc38\ub7f0\uc2f1<\/h3>\n    <p>\ub0a0\uc9dc\ub85c \uc815\ud55c\ub2e4. &#8216;\ub9e4\ub144 1\uc6d4&#8217;, &#8216;6\uac1c\uc6d4\ub9c8\ub2e4&#8217;, &#8216;\ubd84\uae30\ub9c8\ub2e4&#8217;\ucc98\ub7fc \uc77c\uc815\uc744 \uc815\ud574\ub450\uace0, \uadf8\ub0a0\uc774 \uc624\uba74 \ube44\uc728\uc774 \uc5bc\ub9c8\ub098 \ud2c0\uc5b4\uc84c\ub4e0 \uc810\uac80\ud55c\ub2e4. \uaddc\uce59\uc774 \ub2e8\uc21c\ud574 \uc78a\uc5b4\ubc84\ub9b4 \uc77c\uc774 \uc801\ub2e4. \uc190\uc774 \ub35c \uac00\ub294 \ubc29\uc2dd\uc744 \uc6d0\ud558\ub294 \uc785\ubb38\uc790\uc5d0\uac8c \ub9de\ub2e4.<\/p>\n\n    <h3>\u2461 \uc784\uacc4\uce58(\ubc34\ub4dc) \ub9ac\ubc38\ub7f0\uc2f1<\/h3>\n    <p>\ub0a0\uc9dc\uac00 \uc544\ub2c8\ub77c &#8216;\ubc97\uc5b4\ub09c \uc815\ub3c4&#8217;\ub97c \uae30\uc900\uc73c\ub85c \uc0bc\ub294\ub2e4. \ud754\ud788 <strong>\u00b15%\ud3ec\uc778\ud2b8<\/strong>\ub97c \ubc34\ub4dc\ub85c \ub450\uace0, \ube44\uc911\uc774 \uadf8 \uc120\uc744 \ub118\uc5b4\uc124 \ub54c\ub9cc \uc190\uc744 \ub304\ub2e4. 60% \ubaa9\ud45c\ub77c\uba74 65%\ub97c \ub118\uac70\ub098 55% \uc544\ub798\ub85c \ub5a8\uc5b4\uc84c\uc744 \ub54c \uc6c0\uc9c1\uc774\ub294 \uc2dd\uc774\ub2e4. \ud3c9\uc18c\uc5d4 \ub4e4\uc5ec\ub2e4\ubcf4\ub354\ub77c\ub3c4 \uac70\ub798\ub294 \ud558\uc9c0 \uc54a\ub294\ub2e4.<\/p>\n\n    <div class=\"tablewrap\">\n      <table>\n        <thead>\n          <tr><th>\ube44\uad50 \ud56d\ubaa9<\/th><th>\uc815\uae30 \ubc29\uc2dd<\/th><th>\uc784\uacc4\uce58 \ubc29\uc2dd<\/th><\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>\uc2e0\ud638<\/td><td data-label=\"\uc815\uae30 \ubc29\uc2dd\">\uc815\ud574\ub454 \ub0a0\uc9dc<\/td><td data-label=\"\uc784\uacc4\uce58 \ubc29\uc2dd\">\ubaa9\ud45c \ub300\ube44 \uc774\ud0c8 \ud3ed(\uc608: 5%p)<\/td><\/tr>\n          <tr><td>\uc7a5\uc810<\/td><td data-label=\"\uc815\uae30 \ubc29\uc2dd\">\uaddc\uce59 \ub2e8\uc21c, \uc2b5\uad00\ud654 \uc26c\uc6c0<\/td><td data-label=\"\uc784\uacc4\uce58 \ubc29\uc2dd\">\ud544\uc694\ud560 \ub54c\ub9cc \uac70\ub798 \u2192 \ube44\uc6a9 \uc808\uc57d<\/td><\/tr>\n          <tr><td>\ub2e8\uc810<\/td><td data-label=\"\uc815\uae30 \ubc29\uc2dd\">\ud06c\uac8c \uc548 \ud2c0\uc5b4\uc84c\ub294\ub370\ub3c4 \uac70\ub798\ud560 \uc218 \uc788\uc74c<\/td><td data-label=\"\uc784\uacc4\uce58 \ubc29\uc2dd\">\uc790\uc8fc \ub4e4\uc5ec\ub2e4\ubd10\uc57c \ud568<\/td><\/tr>\n          <tr><td>\ub9de\ub294 \uc0ac\ub78c<\/td><td data-label=\"\uc815\uae30 \ubc29\uc2dd\">\uc190 \ub35c \uac00\uac8c \ud558\uace0 \uc2f6\uc740 \uc785\ubb38\uc790<\/td><td data-label=\"\uc784\uacc4\uce58 \ubc29\uc2dd\">\ubcc0\ub3d9\uc744 \ucc59\uaca8\ubcfc \uc5ec\ub825\uc774 \uc788\ub294 \uc0ac\ub78c<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <p>\ubc34\ub4dc\ub97c \ub108\ubb34 \uc881\uac8c \uc7a1\uc73c\uba74 \uc794\uc190\uc9c8\uc774 \ud3ed\uc99d\ud55c\ub2e4. \ud55c \uc5f0\uad6c\uc5d0\uc11c\ub294 10\ub144 \ub3d9\uc548 <strong>1%\ud3ec\uc778\ud2b8<\/strong> \ubc34\ub4dc\ub294 \uc57d 40~60\ud68c \uac70\ub798\ub97c \ub9cc\ub4e0 \ubc18\uba74, <strong>5%\ud3ec\uc778\ud2b8<\/strong> \ubc34\ub4dc\ub294 8~15\ud68c\uc5d0 \uadf8\ucce4\ub294\ub370\ub3c4 \uc704\ud5d8 \uad00\ub9ac \uacb0\uacfc\ub294 \uc0ac\uc2e4\uc0c1 \ube44\uc2b7\ud588\ub2e4(<a href=\"https:\/\/www.kitces.com\/blog\/best-opportunistic-rebalancing-frequency-time-horizons-vs-tolerance-band-thresholds\/\" target=\"_blank\" rel=\"noopener\">Kitces \ubd84\uc11d<\/a>). \ub354 \ubd80\uc9c0\ub7f0\ud788 \ub9de\ucd98\ub2e4\uace0 \ub354 \ub098\uc544\uc9c0\ub294 \uac8c \uc544\ub2c8\ub77c, \uac70\ub798 \ud69f\uc218\uc640 \ube44\uc6a9\ub9cc \ub298\uc5c8\ub2e4\ub294 \uc598\uae30\ub2e4. \ub458 \uc911 \ubb34\uc5c7\uc744 \uace0\ub974\ub4e0, <strong>\uc548 \ud558\ub294 \uac83\ubcf4\ub2e4\ub294 \ub0ab\ub2e4<\/strong>\ub294 \uc810\uc774 \ub450 \ubc29\uc2dd\uc758 \uacf5\ud1b5 \uacb0\ub860\uc774\ub2e4.<\/p>\n  <\/section>\n\n  <section class=\"block container\">\n    <h2>&#8216;\ub9ac\ubc38\ub7f0\uc2f1 \ubcf4\ub108\uc2a4&#8217;\ub77c\ub294 \ud754\ud55c \uc624\ud574<\/h2>\n    <p>\uc5ec\uae30\uc11c \ud1b5\ub150\uc744 \ud55c \ubc88 \ub4a4\uc9d1\uc5b4\uc57c \ud55c\ub2e4. \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ub450\uace0 &#8220;\uc624\ub978 \uac78 \ud314\uace0 \uc2fc \uac78 \uc0ac\ub2c8 \uc218\uc775\uc774 \ub354 \ub09c\ub2e4&#8221;\ub294 \ub9d0\uc774 \uc790\uc8fc \ub3c8\ub2e4. \uc774\ub978\ubc14 &#8216;\ub9ac\ubc38\ub7f0\uc2f1 \ubcf4\ub108\uc2a4&#8217;\ub2e4. \uc9c1\uad00\uc801\uc73c\ub85c \uadf8\ub7f4\ub4ef\ud558\uc9c0\ub9cc, \uc790\ub8cc\uac00 \uac00\ub9ac\ud0a4\ub294 \ubc29\ud5a5\uc740 \ub2e4\ub974\ub2e4.<\/p>\n    <p>\ubc45\uac00\ub4dc\uac00 60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c 1926\ub144\uae4c\uc9c0 \uac70\uc2ac\ub7ec \ubd84\uc11d\ud55c \uacb0\uacfc, \ubd84\uae30\u00b7\uc6d4 \ub2e8\uc704\ub85c \uc790\uc8fc \ub9ac\ubc38\ub7f0\uc2f1\ud574\ub3c4 \uc7a5\uae30 \uc704\ud5d8\uacfc \uc218\uc775\uc774 \ub354 \uc88b\uc544\uc9c0\uc9c0\ub294 \uc54a\uc558\ub2e4. \ub298\uc5b4\ub09c \uac74 \ud68c\uc804\uc728\uacfc \uac70\ub798 \ube44\uc6a9\ubfd0\uc774\uc5c8\ub2e4(<a href=\"https:\/\/investor.vanguard.com\/investor-resources-education\/portfolio-management\/rebalancing-your-portfolio\" target=\"_blank\" rel=\"noopener\">Vanguard \uc790\ub8cc<\/a>). \uc7a5\uae30\uc801\uc73c\ub85c \uae30\ub300\uc218\uc775\uc774 \ub192\uc740 \uc790\uc0b0(\ubcf4\ud1b5 \uc8fc\uc2dd)\uc744 \ud314\uc544 \ub0ae\uc740 \uc790\uc0b0\uc744 \uc0ac\ub294 \uac83\uc774\ub77c, \ud3c9\uade0\uc801\uc73c\ub85c\ub294 \uc218\uc775\uc744 \uc624\ud788\ub824 \uae4e\uc744 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n    <div class=\"data-box\">\n      <span class=\"label\">\uad00\uc810 \uc804\ud658<\/span>\n      \ub9ac\ubc38\ub7f0\uc2f1\uc758 \ubaa9\uc801\uc740 <strong>\uc218\uc775 \uadf9\ub300\ud654\uac00 \uc544\ub2c8\ub77c \uc704\ud5d8 \uad00\ub9ac<\/strong>\ub2e4. &#8216;\ube44\uc728\uc744 \uc9c0\ucf1c \ubcc0\ub3d9\uc744 \ub0b4\uac00 \uc815\ud55c \ubc94\uc704 \uc548\uc5d0 \ubb36\uc5b4\ub450\ub294&#8217; \ub3c4\uad6c\ub85c \ubcf4\ub294 \ud3b8\uc774 \uc2e4\uc81c\uc5d0 \uac00\uae5d\ub2e4.\n    <\/div>\n    <p>\uadf8\ub7ec\ub2c8 &#8220;\ub9ac\ubc38\ub7f0\uc2f1\ud558\uba74 \ub3c8\uc744 \ub354 \ubc88\ub2e4&#8221;\ub294 \uae30\ub300\ub85c \uc790\uc8fc \uc190\ub300\ub294 \uac74 \ubc29\ud5a5\uc774 \uc5b4\uae0b\ub09c \uc148\uc774\ub2e4. \uadf8\ubcf4\ub2e4\ub294 \ucc98\uc74c \uc815\ud55c \uc704\ud5d8 \uc218\uc900\uc774 \uc2dc\uac04\uc774 \uc9c0\ub098\ub3c4 \uc720\uc9c0\ub418\ub3c4\ub85d \uad00\ub9ac\ud558\ub294 \uc7a5\uce58\ub85c \ubc1b\uc544\ub4e4\uc774\ub294 \uac8c \ub9de\ub2e4.<\/p>\n  <\/section>\n\n  <section class=\"block container\">\n    <h2>\uc2e4\uc81c\ub85c \uc190\ub300\uae30 \uc804, \uc138\uae08\uacfc \uc218\uc218\ub8cc\ubd80\ud130<\/h2>\n    <p>\ubc29\uc2dd\uc744 \uace8\ub790\ub2e4\uba74 \ub9c8\uc9c0\ub9c9 \uad00\ubb38\uc740 \ube44\uc6a9\uc774\ub2e4. \ub9ac\ubc38\ub7f0\uc2f1\uc740 \uacb0\uad6d \ud30c\ub294 \uac70\ub798\ub97c \ub3d9\ubc18\ud558\uace0, \ud30c\ub294 \uacf3\uc5d0\ub294 \uc138\uae08\uacfc \uc218\uc218\ub8cc\uac00 \ub530\ub77c\ubd99\ub294\ub2e4. \ud55c\uad6d \ud22c\uc790\uc790\uac00 \ud2b9\ud788 \ucc59\uaca8\uc57c \ud560 \uc9c0\uc810\uc774 \uc788\ub2e4.<\/p>\n    <ul>\n      <li>\uc77c\ubc18 \uacc4\uc88c\uc5d0\uc11c \ud574\uc678 \uc0c1\uc7a5 ETF\ub97c \ud314\uc544 \ucc28\uc775\uc774 \uc0dd\uae30\uba74, <strong>\uc591\ub3c4\uc18c\ub4dd\uc138 22%<\/strong> \ub300\uc0c1\uc774\ub2e4. \ub2e4\ub9cc \uc5f0 250\ub9cc \uc6d0\uae4c\uc9c0\ub294 \uae30\ubcf8 \uacf5\uc81c\ub85c \ube44\uacfc\uc138 \uad6c\uac04\uc774 \uc788\ub2e4.<\/li>\n      <li>\uc5f0\ub9d0\uc5d0 \ud55c\uaebc\ubc88\uc5d0 \ud070 \uae08\uc561\uc744 \uc815\ub9ac\ud558\uba74 \uc774 \uacf5\uc81c \ud55c\ub3c4\ub97c \ub118\uae30\uae30 \uc27d\ub2e4. \uac19\uc740 \ub9e4\ub3c4\ub77c\ub3c4 \uc2dc\uc810\uc744 \ub098\ub204\uba74 \ud55c\ub3c4\ub97c \ud65c\uc6a9\ud560 \uc5ec\uc9c0\uac00 \uc0dd\uae34\ub2e4.<\/li>\n      <li>ISA\u00b7\uc5f0\uae08\uc800\ucd95\u00b7IRP \uac19\uc740 \uc808\uc138 \uacc4\uc88c\ub294 \uacc4\uc88c \uc548\uc5d0\uc11c \uc0ac\uace0\ud314 \ub54c \uace7\ubc14\ub85c \uc591\ub3c4\uc138\uac00 \ub9e4\uaca8\uc9c0\uc9c0 \uc54a\ub294\ub2e4. \uadf8\ub798\uc11c \ub9ac\ubc38\ub7f0\uc2f1 \uac70\ub798\ub97c \uc808\uc138 \uacc4\uc88c \ucabd\uc5d0\uc11c \uba3c\uc800 \ucc98\ub9ac\ud558\ub294 \ud750\ub984\uc774 \uc790\uc8fc \uad8c\uc7a5\ub41c\ub2e4(<a href=\"https:\/\/www.kiwoomam.com\/lounge\/KI0502010102M?kijaNo=487\" target=\"_blank\" rel=\"noopener\">\uad00\ub828 \uc138\uae08 \uc815\ub9ac<\/a>).<\/li>\n    <\/ul>\n    <p>\uc5ec\uae30\uc11c \uc784\uacc4\uce58 \ubc29\uc2dd\uc774 \ube44\uc6a9 \uba74\uc5d0\uc11c \uc65c \uc720\ub9ac\ud55c\uc9c0 \ub2e4\uc2dc \ub4dc\ub7ec\ub09c\ub2e4. \uac70\ub798 \ud69f\uc218 \uc790\uccb4\uac00 \uc801\uc73c\ub2c8, \ub9e4\ub3c4\ub9c8\ub2e4 \ubd99\ub294 \uc138\uae08\uacfc \uc218\uc218\ub8cc\uac00 \uc313\uc77c \uc77c\ub3c4 \uc904\uc5b4\ub4e0\ub2e4. \uc790\uc138\ud55c \uc138\uc728\uacfc \ud55c\ub3c4\ub294 \uacc4\uc88c \uc720\ud615\u00b7\uc5f0\ub3c4\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub2c8, \ud070 \uae08\uc561\uc744 \uc62e\uae30\uae30 \uc804\uc5d0\ub294 \ud604\uc7ac \uae30\uc900\uc744 \uc9c1\uc811 \ud655\uc778\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud558\ub2e4.<\/p>\n    <div class=\"warning-box\">\n      <strong>\uc8fc\uc758<\/strong> \u2014 \uc774 \uae00\uc740 \ub9ac\ubc38\ub7f0\uc2f1 \uac1c\ub150\uc744 \uc124\uba85\ud558\ub294 \uc785\ubb38 \uc790\ub8cc\uc774\uba70, \ud2b9\uc815 \uc885\ubaa9\u00b7\ube44\uc728\u00b7\ub9e4\ub9e4 \uc2dc\uc810\uc744 \uad8c\ud558\uc9c0 \uc54a\ub294\ub2e4. \uc138\uae08\u00b7\uc218\uc218\ub8cc \uae30\uc900\uc740 \ubc14\ub014 \uc218 \uc788\uace0 \uac1c\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\ub974\ubbc0\ub85c, \uc2e4\uc81c \uacb0\uc815 \uc804\uc5d0\ub294 \ucd5c\uc2e0 \uc81c\ub3c4\uc640 \ubcf8\uc778 \uacc4\uc88c \uc870\uac74\uc744 \uc9c1\uc811 \ud655\uc778\ud574\uc57c \ud55c\ub2e4.\n    <\/div>\n  <\/section>\n\n  <section class=\"block container\">\n    <h2>\uc815\ub9ac\ud558\uba74<\/h2>\n    <p>\ub9ac\ubc38\ub7f0\uc2f1\uc740 \ud2c0\uc5b4\uc9c4 \ube44\uc728\uc744 \ucc98\uc74c \uc124\uacc4\ub85c \ub418\ub3cc\ub9ac\ub294 \uc815\ube44\ub2e4. \ud575\uc2ec\ub9cc \ucd94\ub9ac\uba74 \uc774\ub807\ub2e4.<\/p>\n    <ul>\n      <li>\ube44\uc911\uc740 \uac00\ub9cc\ud788 \ub46c\ub3c4 \ub4dc\ub9ac\ud504\ud2b8\ud55c\ub2e4. 60\/40\uc774 1\ub144 \ub9cc\uc5d0 65\/35\ub85c \uc774\ub3d9\ud558\ub294 \uc2dd\uc774\ub2e4(\uc608\uc2dc).<\/li>\n      <li>\uc2dc\uc810\uc740 \ub450 \uac08\ub798 \u2014 <strong>\ub0a0\uc9dc\ub85c \uc815\ud558\ub294 \uc815\uae30 \ubc29\uc2dd<\/strong>\uacfc <strong>\uc774\ud0c8 \ud3ed(\uc608: 5%p)\uc73c\ub85c \uc815\ud558\ub294 \uc784\uacc4\uce58 \ubc29\uc2dd<\/strong>. \uc790\uc8fc \ud55c\ub2e4\uace0 \ub354 \uc88b\uc544\uc9c0\uc9c0\ub294 \uc54a\ub294\ub2e4.<\/li>\n      <li>\ubaa9\uc801\uc740 \uc218\uc775\uc774 \uc544\ub2c8\ub77c <strong>\uc704\ud5d8 \uad00\ub9ac<\/strong>. &#8216;\ub9ac\ubc38\ub7f0\uc2f1 \ubcf4\ub108\uc2a4&#8217;\ub294 \uae30\ub300\ub9cc\ud07c \ub2e8\uc21c\ud558\uc9c0 \uc54a\ub2e4.<\/li>\n      <li>\uac70\ub798\ub9c8\ub2e4 \uc138\uae08\u00b7\uc218\uc218\ub8cc\uac00 \ubd99\uc73c\ub2c8, \uc808\uc138 \uacc4\uc88c \ud65c\uc6a9\uacfc \ub9e4\ub3c4 \uc2dc\uc810 \ubd84\uc0b0\uc744 \ud568\uaed8 \ubcf8\ub2e4.<\/li>\n    <\/ul>\n    <p>\uadf8\ub807\ub2e4\uba74 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub294 \uc2e0\ud638\ub294 \ubb34\uc5c7\uc77c\uae4c. \ub9e4\uc77c \uc794\uace0\ub97c \ub4e4\uc5ec\ub2e4\ubcf4\ub294 \uac8c \ubd80\ub2f4\uc774\uba74 \ub0a0\uc9dc\ub97c, \ubcc0\ub3d9\uc744 \ucc59\uaca8\ubcfc \uc5ec\ub825\uc774 \uc788\uc73c\uba74 \ubc34\ub4dc\ub97c \ub5a0\uc62c\ub824 \ubcf4\uba74 \ub41c\ub2e4. \uc5b4\ub290 \ucabd\uc774\ub4e0, \ud55c \ubc88 \uc815\ud55c \uc704\ud5d8 \uc218\uc900\uc744 \uc2dc\uac04\uc774 \ud750\ub824\ub193\uc9c0 \uc54a\uac8c \uc9c0\ud0a4\ub294 \uc77c \u2014 \ub9ac\ubc38\ub7f0\uc2f1\uc758 \ubcf8\uc9c8\uc740 \uac70\uae30\uc5d0 \uc788\ub2e4.<\/p>\n  <\/section>\n\n  <div class=\"container\">\n    <div class=\"cta\">\n      <h3>\ube44\uc728\uc744 \uc9c0\ud0a4\ub294 \uc2b5\uad00, \ub3c4\uad6c\ub85c \uac00\ubccd\uac8c<\/h3>\n      <p>JUNAI TECH\ub294 \ud22c\uc790\u00b7\uc790\ub3d9\ud654 \uc785\ubb38 \uc8fc\uc81c\ub97c \uc218\uce58\uc640 \uc608\uc2dc \uc911\uc2ec\uc73c\ub85c \ud480\uc5b4 \uc815\ub9ac\ud569\ub2c8\ub2e4. \ub2e4\uc74c \uae00\uc5d0\uc11c \ub610 \ub9cc\ub098\uc694.<\/p>\n    <\/div>\n  <\/div>\n\n  <p class=\"disclaimer container\">\n    \ubcf8 \ucf58\ud150\uce20\ub294 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud55c \uad50\uc721\uc6a9 \uc790\ub8cc\uc785\ub2c8\ub2e4. \ud2b9\uc815 \uae08\uc735\uc0c1\ud488\uc758 \ub9e4\uc218\u00b7\ub9e4\ub3c4\ub098 \ud22c\uc790 \ube44\uc728\uc744 \uad8c\uc720\ud558\uc9c0 \uc54a\uc73c\uba70, \uc218\uc775\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcf8\ubb38\uc758 \uc218\uce58\ub294 \uac1c\ub150 \uc124\uba85\uc744 \uc704\ud55c \uac00\uc815 \uc608\uc2dc\uc774\uace0, \uc138\uae08\u00b7\uc218\uc218\ub8cc \ub4f1 \uc81c\ub3c4\ub294 \uc2dc\uc810\uacfc \uac1c\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ud310\ub2e8\uacfc \uadf8 \uacb0\uacfc\uc5d0 \ub300\ud55c \ucc45\uc784\uc740 \ud22c\uc790\uc790 \ubcf8\uc778\uc5d0\uac8c \uc788\uc2b5\ub2c8\ub2e4.\n  <\/p>\n<\/article>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc2dc\uc7a5 \ubcc0\ub3d9\uc73c\ub85c \uc5b4\ub5bb\uac8c \ud2c0\uc5b4\uc9c0\ub294\uc9c0, \uc815\uae30\uc640 \uc784\uacc4\uce58 \ub9ac\ubc38\ub7f0\uc2f1\uc740 \ubb34\uc5c7\uc774 \ub2e4\ub978\uc9c0, \uc138\uae08\u00b7\uc218\uc218\ub8cc\uae4c\uc9c0 \uc218\uce58 \uc608\uc2dc\ub85c \uc815\ub9ac\ud55c \uc785\ubb38 \uac00\uc774\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading-bot"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/posts\/981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/comments?post=981"}],"version-history":[{"count":0,"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/posts\/981\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/media\/976"}],"wp:attachment":[{"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/media?parent=981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/categories?post=981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/junai.ai\/blog\/wp-json\/wp\/v2\/tags?post=981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}