<p>????????????ETF???????ϴ?????1(Feat.SPY)<br><br><br>'?ε???  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ?ݵ? ????'?? ?????????? ?????? ???? ?????? ?밡???? ?????? ?????ϴ? ???Դϴ?. ?? ???? ???? ?ݾ??? ???? ?κ??? ???????? ETF?? SPY?? ?????ϰ? ?ְ?, ?ش? ETF?? ?ż??? ???? 1???? ??½ ?Ѿ?? ?ֽ??ϴ?. ?????? ???? ?? ???? ???? ETF?? ?????ϴ????? ???? ?????? ?̾߱??غ????? ?մϴ?.<br><br>1. ?????? ?????? : ?ֽ????ڴ? ?????̴?<br>???? ?ֽ????ڴ? ?????̶??? ?????մϴ?. ???? ?ֽ? ???ڴ? ???????? ???? ???? ???? ?? ???? ?????? ?????? ?̷??? ?? ???? ???̴ٶ??? ?Ϳ? ?????ϴ? ???̰?, ???? ETF?? ?????ϴ? ???? ?? ?????? ?̷??? ?ֵ??س??? ???̶??? ?Ϳ? ?????ϴ? ???̶??? ?????մϴ?.<br><br>'?ֽ? ???ڴ? ???ڰ? ????'???? ???? ???????? ???? ?? ?ִ? ???? ???̵????? ?? ?????Դϴ?. ù ??°, ?·??? ??????, ?׸??? ?? ??°, ?????? ???? ???????? ?Ǽ???  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ?ٿ??? ?Ѵ??Դϴ?.<br><br>(1) ù ??° ???? ???̵??? : ?·??? ??????<br>?ֽ? ???ڴ? ???ڰ? ??????, ??ī?????ٴ? ??Ŀ?? ?????ٰ? ?? ?? ?ֽ??ϴ?. ?ڽ??? ?Ƿ°? ?????? ???? ?·??? ???? ?? ?ִٴ? ???Դϴ?. ?????????̳? ???? ??ġ?? ???? õ?????? ?γ??? ?м??? ?ű⿡ ?????? ???????? ?????? ?Ϲ??ο? ???ϸ? ???? ?? ?Ǵ? ???? ?·??? ?????? ?? ?־???.<br>???? ?????? ???????? ?ظ? ???????? ?ڻ??? ?????????? ?ֽ? ???忡?? ?????? ?ڻ??????? ???Ͽ? ?·??? ?ø? ?? ?ִٴ? ???? ?????? ?????ϸ鼭 ?ֽ? ???ڸ? ?????? ?????? ???????? ?й??? ???????? ?? ?ܰ? ???½??? ?뺧 ?????л??? ?????ϱ⵵ ?Ͽ????ϴ?. ??·?? ?߿??? ???? ?????? ?????????? ?·??? ???? ?? ?ִ? ?????? ?и??? ?ִٴ? ???Դϴ?.<br><br>?? ?????????? ??Ʈ?????? ?̷п? ???? ?????? -><br><br><br><br>???ڴ? ?й??ϱ?? ?????ϱ?? -  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ?ظ? ?????????? ???? ?޸???<br>?????? ?й??ΰ? ?ƴѰ??? ???? ?? ?????? ?Ǵ? ????, ?װͰ? ???õ? ???????? ???Ͽ? ?ͳ??????? ???????? ?????? ?? ?? ?ִ? ?̷??? ?߷??? ?? ?ִ??? ???????? ???̴?. ???коߴ? ???? ??<br>sacramony.tistory.com<br><br><br><br>(2) ?? ??° ???? ???̵??? : ?? ???? ???? ???????? ?Ǽ??? ?ٿ??? ?Ѵ?.<br>?·??? ???? ?????? ?????ߴٸ?, ???? ?????? ?????ؾ? ?ұ???? ?????? ?????? ???? ?????????? ?????? ???Դϴ?. ª?? ???? ?????? ?Ҽ??? ?? ?ƹ??? ???? ?·??̶??? ???????? ?̱? Ȯ???? ???? ?پ??? ???Դϴ?. 70%?? ?·??? ?????? ???? ?ϸ? ?·??? 70% ??????, ?? ?? ???????? ?̱????? 70% X70%=49%?? ?·??? ?پ????? ??ó????. Ư?? ???ͳݿ? ?????? ????ȿ???? ?????? ?????? ???ؼ??? ?????ؼ? ?????? ?????ؾ? ?Ǵµ?, ?̷? ?? ?? ???? ?й??ϸ?  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ????ų ?? ???? ?ս??? ?԰? ?? ???? ?ֽ??ϴ?.<br><br>??, ?ֽ????ڰ? ?????̶??? ù ??°, ?·??? ???? ?????? ?????ؾ? ?ϰ?(??????????, ?й??????? ?????? ???ڹ???) ?? ??°, ?????? ???? ???????? ?Ѵٴ? ???Դϴ?.(???? ?????϶?)<br><br>2. ???????? ETF ???ڴ? ?·??? ???? ?????̴?.<br><br><br>?ݹ? ???? ???? ?????????? ħ?????? ???????? ?��� ?ֽĵ??? ???ͷ??? ???? ?ݵ??Ŵ????? ???ͷ????? ???Ҵٴ? ???? ?????? ?ʹ??? ?????մϴ?. ???? ??Ƽ?? ?ݵ忡?? ???ͷ??? ?ݵ? ?Ŵ????? ?Ƿ??̳? ???̳Ŀ? ???? ???? ???????? ?а迡?? ???Ӿ??? ?????ǰ? ?ֽ??ϴ?. 10?? ???? ?????? ?ƿ????? ?ϴ? ?????? ???��� ???????? ?ݵ? ?Ŵ????? ???? ???? ??????. ?????? ???? ?????? ?????? ?????? ???¸????? ?????? ?·??? ?ø? ?? ?ִٴ? ?Ϳ??? ???? ȸ?ǰ??? ???⵵ ?մϴ?. ?׷??ٸ? ?????? ???̴? ?ð??Ѿ? ???? ?????? ?????? ?Ÿ?  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ?????? ??????<br><br><br>?????? ???ܿ? ?????? 20?? ???? ?????? ?ð??Ѿ? ?????Դϴ?. ???ſ? ?췮?? ????Ĩ?? ?????ϰڴٰ? ?ð??Ѿ? ???? ?????? ?ż??ߴٸ? ?Ｚ???ڸ? ?????ϰ??? ?·??? ?????ϴ? ?? ?ƴ϶? ???忡?? ?????Ǿ??? ???Դϴ?.<br>???ſ? ?????ڰ? ???? ?ְ??? ö??ȸ?????? ?????ߴ? ???????? ?? ?Ѱ?????<br><br><br>?????ڻӸ??? ?ƴմϴ?. ?????? ?????? ?ϴ? ?ֽĺ??? ???ſ? ???????? ???? ???ϰ? ???? ?Ÿ??? ?ֽ??? ?е??????? ?????ϴ?.<br><br>?ݸ? ???? ???? ETF Ȥ?? ?ε??? ?ݵ??? ?????? <br>?????? ?ֽĿ? ?????ϴ? ?????? ?׷??? ETF VT ?ֱ? 10???? ?̱??? ?????? ?ֵ??߱? ?????? ?????? ?״??? ???? ?ʴ?<br><br><br>?? ???? ???? ?ְ? ?????? ?? ?? ???? ???? ???? ???????? ?հ?, ???? ?????ؿԽ??ϴ?. ?ֳ??ϸ? ?ں??????? ?⺻ ?????? '??â'?̱? ?????Դϴ?.<br>?? ???? ???ε? ?Ϻ?, ??Ż???? ???? Ư???? ??Ȳ?? ?ƴϸ? ???? ???????? ?????ؿԽ??ϴ?.  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ???? ?????ϰ? ?ִ? ?̱? S&amp;P500?? ??????<br><br><br>?? ?????? ?????DZ? ?????? ?̷??? ?? ???? ??ħ?? ?־?????, ?? ???? ???ܵ? ???? ?????? ?Ű���?? ?????ؿԽ??ϴ?. ??Ʈ?? ???ﵵ ?̰ܳ???, ?????? ?ִ? ?????̾??? ???? ???��� ?̰ܳ???, ?ں??????? ?????̶??? 2008?? ???????⵵ ?̰ܳ??? ???? ?????߽??ϴ?.<br>?????? ???簡 ?̷????? ?Ȱ??? ?Ͼ?ٴ? ?????? ?????Ƿ? ?·??? 100%???? ???? ???? ??????, ???? ?ֽĿ? ???? ?·??? ?ξ? ???ٶ??? ???? Ȯ???մϴ?. ?׷??? ?????? ???? ???? ???? ETF?? ?????ϰ? ?ֽ??ϴ?.<br><br>3. ???????? ETF ???ڴ? ?????? ?? ???Ǹ? ?ص? ?ȴ?<br>?ռ? ???????ȴٽ??? ?·??? ???? ?????? ???? ?? ?????? ?ؾ? ?? ???? ?Ǽ??? ???̴? ???Դϴ?.<br><br><br><br><br>?????? ???? ???? ?ֽĿ? ?????ϱ? (Feat. ????????)<br>?Ʒ??? ???? ?ֽ? ???? ????Ʈ &lsquo;??????Ÿ&lsquo;?? ?ö??? ???????? ?? ???? ???????? ????  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ?Ű? ?? ?? ?Դϴ?. [??ó] ?????? ???? ???? ?ֽĿ? ?????ϱ?(??????Ÿ) |?ۼ??? ???? ?????? ???? ????<br><br><br><br>???? ???ͳݿ??? ?????? '?????? ???? ???? ?ֽĿ? ?????ϱ?'???? ???Դϴ?. ?? ???? ?????̵? ?ƴϵ? '?·??? ???? ?????? ?????? ?? ?Ǽ??? ?ּ?ȭ?϶?'?? ???? ???????? ??ġ?ϴ? ?? ?????ϴ?.(???? ???? ?????ָ? ?????? ?????ϴ? ?Ϳ??? ȸ?????? ?????Դϴ?. ?????ִ? ?????? ?׷?????)<br>?Ｚ???ڵ?, ?????̵? ???????? ?ŵ??ؾ? ?? ???? ?? ???Դϴ?. ???????? ?????ڰ? ?????? ???̰?, ?ð? ?Ѿ? 1???? ??Ű??????, ?????? ??ȭ?? ???̱? ?????Դϴ?. ?׷??? ?̵??? ?ŵ??ϰ? ???? ?ٽ? ??2?? ?Ｚ????, ?????? ã?ƾ? ?ϴ? ???ο? ???ӿ? ?????ؾ? ?ϴµ?, ó?? ???????ȴٽ??? ???? Ƚ???? ?????Ҽ??? ???????? ?̱? Ȯ???? ???????? ?˴ϴ?.<br><br>?ݸ? ???? ???? ETF?? ?ŵ??ؾ? ?? ???? ?????ϱ???? ???? ?????? ?ֽ?  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ??ü?? ?????Ѵٸ?, ???? ?? ?ѹ??? ???Ӹ? ?ص? ?˴ϴ?. ?ں????? ?? ??ü?? ?????ϴ? ???̴ϱ???. VTI?? SPY???? ?̱??? ?????ϴ? ????????, ?????????? ?ں????ǰ? ?????ϰų? ?̱??? ???? 1?? ???????? ?????? ???? ?ŵ??ؾ??? ?????Դϴ?. ?????? 120???? ???翡?? ???????? ?׷? ???? ???????ϴ?. ?̱? ?????? ?????ϴ? ?????ڵ??? ?????? ?????? 120??° ?ϰ? ?ִ? ???Դϴ?.<br><br>?̷??? ?????? ???? ?? ?? ?ִ?, ?????? ???? ???? ?ֽĿ? ???? ?????? ???? ?????????̴? ???? ???? ???? ???????? ETF?? ?????ϴ? ?ι?° ?????Դϴ?.<br><br>?????? ???? ???????? ETF?? ?????ϴ? ?????? ???·??? ???? ?????? ???????? ???? ?????? ?? ?ֱ? ?????? ???? ?? ?????? ?????Ͽ????ϴ?. ???? ?????????? ?????ϴ? ?????? ?̿ܿ??? ?? ???? ?? ?ֱ? ?????? ???Ŀ? ?????? ?????? ?????ϵ??? ?ϰڽ??ϴ?. ?? ??  <a href="https://www.outlookindia.com/plugin-play/2025%EB%85%84-%EC%98%A8%EB%9D%BC%EC%9D%B8-%EB%B0%94%EC%B9%B4%EB%9D%BC%EC%82%AC%EC%9D%B4%ED%8A%B8-%EC%84%A0%ED%83%9D%EA%B3%BC-%EC%9D%B4%EC%9A%A9%EC%9D%98-%EC%A2%85%ED%95%A9-%EA%B0%80%EC%9D%B4%EB%93%9C">?????? ??ī??????Ʈ ????</a> ?о??ּż? ?????մϴ?.</p>