{"id":38516,"date":"2017-06-19T14:57:36","date_gmt":"2017-06-19T14:57:36","guid":{"rendered":"https:\/\/prod.fabricegrinda.com\/%ec%9e%90%ec%82%b0-%ea%b4%80%eb%a6%ac%ec%97%90-%eb%8c%80%ed%95%9c-%eb%b9%84%ec%a0%84%ed%86%b5%ec%a0%81-%ec%a0%91%ea%b7%bc-%eb%b0%a9%ec%8b%9d\/"},"modified":"2017-06-19T14:57:36","modified_gmt":"2017-06-19T14:57:36","slug":"%ec%9e%90%ec%82%b0-%ea%b4%80%eb%a6%ac%ec%97%90-%eb%8c%80%ed%95%9c-%eb%b9%84%ec%a0%84%ed%86%b5%ec%a0%81-%ec%a0%91%ea%b7%bc-%eb%b0%a9%ec%8b%9d","status":"publish","type":"post","link":"https:\/\/grinda.org\/ko\/%ec%9e%90%ec%82%b0-%ea%b4%80%eb%a6%ac%ec%97%90-%eb%8c%80%ed%95%9c-%eb%b9%84%ec%a0%84%ed%86%b5%ec%a0%81-%ec%a0%91%ea%b7%bc-%eb%b0%a9%ec%8b%9d\/","title":{"rendered":"\uc790\uc0b0 \uad00\ub9ac\uc5d0 \ub300\ud55c \ube44\uc804\ud1b5\uc801 \uc811\uadfc \ubc29\uc2dd"},"content":{"rendered":"<p>\uc774 \ube14\ub85c\uadf8 \uac8c\uc2dc\ubb3c\uc740 \uc6b4\uc774 \uc88b\uc740 \uadf9\uc18c\uc218\uc758 \uae30\uc5c5\uac00\uc5d0\uac8c\ub9cc \ud574\ub2f9\ub418\ub294 \ub0b4\uc6a9\uc774\uae30 \ub54c\ubb38\uc5d0 \ube44\uaf2c\ub294 \uac83\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae30\uc874 \ud22c\uc790\uc790\ubb38\uc0ac\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc798\ubabb\ub41c \uc870\uc5b8\uc774 \ub108\ubb34 \ub9ce\uc558\uace0, \uc81c\uac00 \uc9c0\uc6d0\ud55c \uae30\uc5c5\uac00\ub4e4 \uc911 \uc131\uacf5\uc801\uc73c\ub85c \ud22c\uc790\uae08\uc744 \ud68c\uc218\ud55c \uc0ac\ub78c\ub4e4\uc774 \uc800\uc5d0\uac8c \uc790\uae08 \uad00\ub9ac \ubc29\ubc95\uc744 \ubb3b\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uae30 \ub54c\ubb38\uc5d0 \uc774 \uae00\uc744 \uaf2d \uc368\uc57c\uaca0\ub2e4\uace0 \uc0dd\uac01\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub300\ubd80\ubd84\uc758 \uc804\ud1b5\uc801\uc778 \uc5b4\ub4dc\ubc14\uc774\uc800\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \uad6d\ub0b4 \uc8fc\uc2dd 30%(\ub300\ud615\uc8fc\uc640 \uc911\ud615\uc8fc \ubd84\ud560), \ud574\uc678 \uc8fc\uc2dd 20%, \ubd80\ub3d9\uc0b0 20%, \ucc44\uad8c 20%, \ub300\uccb4\ud22c\uc790 5%(\uc0ac\ubaa8\ud380\ub4dc \ubc0f \ud5e4\uc9c0\ud380\ub4dc), \ud604\uae08 5%\uc758 \ubaa8\ub378\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc728\uc740 \uc778\uad6c \ud1b5\uacc4 \uc815\ubcf4\uc640 \uc704\ud5d8 \ud504\ub85c\ud544\uc5d0 \ub530\ub77c \uc57d\uac04\uc529 \ub2e4\ub974\uc9c0\ub9cc \ubc29\ud5a5\uc740 \uc815\ud655\ud569\ub2c8\ub2e4. \ud765\ubbf8\ub86d\uac8c\ub3c4 \uac00\uc7a5 \uacf5\uaca9\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucd94\ucc9c\uacfc \ubcf4\uc218\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucd94\ucc9c\uc758 \ube44\uc911\uc740 \ud06c\uac8c \ub2e4\ub974\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ubaa8\ub378\uc740 \uac01 \uc790\uc0b0 \ud074\ub798\uc2a4\uc758 \uacfc\uac70 \uc704\ud5d8 \ud504\ub9ac\ubbf8\uc5c4\uacfc \ubcc0\ub3d9\uc131\uc744 \uae30\ubc18\uc73c\ub85c \ud569\ub2c8\ub2e4. \uc774 \ud560\ub2f9\uc774 \ud569\ub9ac\uc801\uc77c \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774 \ubaa8\ub378\uc740 \ud22c\uc790 \uc2dc\uc810\uc5d0 \ubaa8\ub4e0 \uc790\uc0b0 \ud074\ub798\uc2a4\uc758 \uac00\uce58\ub97c \uacf5\uc815\ud558\uac8c \ud3c9\uac00\ud569\ub2c8\ub2e4. \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud558\ub294 \ubc38\ub958\uc5d0\uc774\uc158\uc774 \uc815\ub9d0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc9c0\uae08\ucc98\ub7fc \uae08\ub9ac\uac00 \uc5ed\uc0ac\uc801\uc73c\ub85c \ub0ae\uc740 \uc2dc\uae30\uc5d0\ub294 \uace0\uc815 \uc218\uc785\uc744 \ubcf4\uc720\ud558\ub294 \uac83\uc740 \uc758\ubbf8\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \uc218\uc775\ub960\uc774 \ub108\ubb34 \ub0ae\uc544\uc11c \ucc28\ub77c\ub9ac \ud604\uae08\uc73c\ub85c \ubc1b\ub294 \uac83\uc774 \ub098\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubd88\uc774\ud589 \uc704\ud5d8\uc5d0 \ub300\ud574 \uacf5\uc815\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc9c0 \ubabb\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud558\uba74 \ucc44\uad8c \uac00\uaca9\uc740 \ud558\ub77d\ud560 \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc8fc\uc2dd \uac00\uaca9\ub3c4 \ud48d\ubd80\ud558\uac8c \ub290\uaef4\uc9d1\ub2c8\ub2e4. \uc5ed\uc0ac\uc801\uc73c\ub85c 8%\uac00 \ub118\ub294 \ub192\uc740 \uae30\uc5c5 \uc774\uc775\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 S&amp;P 500 \uc8fc\uac00\uc218\uc775\ube44\uc728\uc740 25.5\uc785\ub2c8\ub2e4. \uc5ed\uc0ac\uc801\uc73c\ub85c S&amp;P\ub294 \uc8fc\uac00\uc218\uc775\ube44\uc728 14\uc5d0 \uac70\ub798\ub418\uc5c8\uace0 \uae30\uc5c5 \uc774\uc775\uc740 \ud3c9\uade0 5%\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacfc\uac70\uc5d0\ub294 \uc591\uc9c8\uc758 \uace0\ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud558\ub294 \ubbf8\uad6d \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud588\uc2b5\ub2c8\ub2e4. \ud604\uae08\uc744 \ucc3d\ucd9c\ud558\uace0 \uac00\uce58\ub97c \uc778\uc815\ubc1b\uc558\uc2b5\ub2c8\ub2e4. \uc800\ub294 \uc774\ubbf8 \uc9c1\uc5c5\uc744 \ud1b5\ud574 \uae30\uc220 \uc5c5\uc885\uc5d0 \uacfc\ub3c4\ud558\uac8c \ub178\ucd9c\ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc5d0 \uae30\uc220 \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uae08\uc735\ud68c\uc0ac\uc758 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ub300\ucc28\ub300\uc870\ud45c\uac00 \uac1c\uc120\ub418\uc5c8\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc704\uae30\uac00 \ubc1c\uc0dd\ud558\uba74 \ubaa8\ub4e0 \uc790\uc0b0\uc774 \uc27d\uac8c \uc0ac\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc62c\ud574 \ucd08 \ubc38\ub958\uc5d0\uc774\uc158 \ubb38\uc81c\ub85c \uc778\ud574 \uc8fc\uc2dd \uc775\uc2a4\ud3ec\uc800\ub97c \uccad\uc0b0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc561\ud2f0\ube0c \ud380\ub4dc \ubc0f \ud5e4\uc9c0 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uc9c0 \ub9c8\uc138\uc694. \uc740\ud589\uac00\ub4e4\uc740 \ub192\uc740 \uc218\uc218\ub8cc \ub54c\ubb38\uc5d0 \uc740\ud589\uc744 \uc88b\uc544\ud558\uc9c0\ub9cc, \uc218\uc218\ub8cc\ub97c \uc81c\uc678\ud558\uba74 \uc7a5\uae30\uc801\uc73c\ub85c S&amp;P 500\uc744 \ub2a5\uac00\ud558\ub294 \uc740\ud589\uc740 \uc5c6\uc2b5\ub2c8\ub2e4. \ub354 \ub098\uc05c \uac83\uc740, \uc6b0\ub9ac\ub294 \uc885\uc885 \uc88b\uc740 \uc131\uacfc\ub97c \uac70\ub454 \ud6c4\uc5d0 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ud3c9\uade0\uc801\uc778 \uc218\uc775\ub960\ub85c \uc774\uc5b4\uc9c8 \ubfd0\uc785\ub2c8\ub2e4. \ub610\ud55c \uc740\ud589\uc774 \ucd94\uc9c4\ud558\ub294 \uc0ac\ubaa8\ud380\ub4dc\uc5d0\ub3c4 \ud22c\uc790\ud558\uc9c0 \uc54a\uc744 \uac83\uc785\ub2c8\ub2e4. \uc774 \uc790\uc0b0 \ud074\ub798\uc2a4\ub294 IRR \uad00\uc810\uc5d0\uc11c \ubcf4\uba74 \uad1c\ucc2e\uc9c0\ub9cc, \ud380\ub4dc\ub294 \uc601\uc6d0\ud788(10\ub144 \uc774\uc0c1) \uc720\ub3d9\uc801\uc774\uc9c0 \uc54a\uace0 \uc218\uc218\ub8cc\uac00 \uc218\uc775\uc758 \ub9ce\uc740 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \ub610\ud55c \uc0ac\ubaa8\ud380\ub4dc\uc758 \uacfc\uac70 \ud380\ub4dc \uc218\uc775\ub960\uacfc \ubbf8\ub798 \ud380\ub4dc \uc218\uc775\ub960 \uc0ac\uc774\uc5d0\ub294 \uc0c1\uad00\uad00\uacc4\uac00 \uac70\uc758 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ub9c8\uc9c4\uc73c\ub85c \ub300\ucd9c\ud574\uc11c\ub294 \uc808\ub300 \uc548 \ub429\ub2c8\ub2e4. \uc81c\uac00 \ub9cc\ub09c \ubaa8\ub4e0 \uc740\ud589\uac00\ub4e4\uc774 \uc774\ub97c \ucd94\uc9c4\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ub9d0\ud558\uc8e0: &#8220;4%\uc758 \uc218\uc775\uc744 \ub0b4\ub294 \ucc44\uad8c\uc5d0 100\ub9cc \ub2ec\ub7ec\ub97c \ud22c\uc790\ud558\uba74 2%\ub85c 100\ub9cc \ub2ec\ub7ec\ub97c \ube4c\ub824\ub4dc\ub9bd\ub2c8\ub2e4. \ud22c\uc790\ub85c \ub3c8\uc744 \ubc8c \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c 100\ub9cc \ub2ec\ub7ec\ub294 \uc5b4\ub514\ub4e0 \uc4f8 \uc218 \uc788\uc2b5\ub2c8\ub2e4!&#8221;\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uc88b\uc740 \uc0dd\uac01\ucc98\ub7fc \ub4e4\ub9ac\uc9c0\ub9cc, \uc5b4\ub824\uc6b4 \uc2dc\uae30(\uc608: 2008\/2009\ub144 \uc704\uae30)\uc5d0\ub294 \uc790\uc0b0 \uac00\uce58\uac00 \ub5a8\uc5b4\uc9c0\uae30 \ub54c\ubb38\uc5d0 \ub054\ucc0d\ud55c \uc0dd\uac01\uc785\ub2c8\ub2e4. \ucc28\uc561\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 \uce90\ud53c\ud0c8 \ucf5c\uc744 \ud558\uace0 \uc190\uc2e4\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \ud604\uae08\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc694\uccad\ud569\ub2c8\ub2e4. \ubc14\ub85c \uadf8 \uc21c\uac04\uc774 \uac00\uc7a5 \ub9ce\uc740 \ud604\uae08\uc744 \uae30\ud68c\ub85c \uc0bc\uc544 \uc800\ub834\ud558\uac8c \uc790\uc0b0\uc744 \ub9e4\uc218\ud560 \uc218 \uc788\ub294 \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc5f0\uac04 2%\ub294 \uadf8\ub9cc\ud55c \uac00\uce58\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ud604\uae08\uc73c\ub85c \ubcf4\uad00\ud558\uc138\uc694. \uc704\uae30\uac00 \ubc1c\uc0dd\ud558\uba74 \uace0\ud488\uc9c8\uc758 \uc790\uc0b0\uc5d0 \uc800\ub834\ud55c \uac00\uaca9\uc73c\ub85c \ud22c\uc790\ud558\uc5ec 100% \uc774\uc0c1\uc758 \uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc800\ub294 \uac1c\uc778 \ubd80\ub3d9\uc0b0\uc744 \ud22c\uc790\ub77c\uae30\ubcf4\ub2e4\ub294 \uc18c\ube44\ub77c\uace0 \uc0dd\uac01\ud558\uae30 \ub54c\ubb38\uc5d0 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud574 \uc880 \ub354 \ubd88\uac00\uc9c0\ub860\uc801\uc778 \ud3b8\uc785\ub2c8\ub2e4. \ub274\uc695\uacfc \uac19\uc740 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc784\ub300 \uc218\uc775\ub960\uc774 2~4%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4. \ucd1d \uc6d4 \uc18c\uc720 \ube44\uc6a9(\ubaa8\uae30\uc9c0 \ube44\uc6a9 + \uacc4\uc57d\uae08 \uae30\ud68c \ube44\uc6a9 &#8211; \ub610\ub294 \uacc4\uc0b0\uc744 \ub354 \uac04\ub2e8\ud558\uac8c \ud558\uae30 \uc704\ud574 100% \ubaa8\uae30\uc9c0\ub97c \uc774\uc6a9\ud588\ub2e4\uace0 \uac00\uc815\ud558\uace0 \uc7ac\uc0b0\uc138 + \uc720\uc9c0\ube44 + \uace0\uc7a5\ub09c \ubb3c\uac74\uc744 \uc218\ub9ac\ud558\ub294 \ub370 \ub4dc\ub294 \uc6d4 \ud3c9\uade0 \ube44\uc6a9)\uacfc \uc784\ub300\ub8cc\ub97c \ube44\uad50\ud558\uba74, \uc784\ub300\ub8cc\uac00 \uc18c\uc720\ubcf4\ub2e4 2~3\ubc30 \uc800\ub834\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4! \uadf8\ub807\uae34 \ud558\uc9c0\ub9cc \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc8fc \uac70\uc8fc\uc9c0\ub97c \uc18c\uc720\ud558\ub294 \uac83\uc744 \uc88b\uc544\ud569\ub2c8\ub2e4. \uc608\uc0b0\uc5d0 \ub9de\uace0 \ud22c\uc790\uac00 \uc544\ub2cc \uc18c\ube44\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc778\uc9c0\ud558\uace0 \uc788\ub2e4\uba74, \ud589\ubcf5\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc120\ud0dd\ud558\uc138\uc694<a href=\"http:\/\/www.fabricegrinda.com\/personal-musings\/rent-unless-you-want-to-buy\/\" target=\"_blank\" rel=\"noopener noreferrer\">(\uad6c\ub9e4\ub97c \uc6d0\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc784\ub300<\/a>).<\/p>\n<p>\ubd80\ub3d9\uc0b0\uc740 \ud604\uc7ac \uac00\uc7a5 \ub9e4\ub825\uc801\uc778 \uc790\uc0b0\uad70 \uc911 \ud558\ub098\uc774\uba70, \uac70\uc8fc\ud558\uace0 \uc2f6\uc740 \ubd80\ub3d9\uc0b0\uc744 \uad6c\uc785\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \ub2e4\uac01\ud654\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ubcf4\uc720\ud558\uace0 \uc788\ub2e4\uba74 \ub9e4\uc6b0 \uc548\uc804\ud558\uba70 \ud22c\uc790 \uc9c0\uc5ed\uc5d0 \ub530\ub77c 6~13%\uc758 \ucea1 \ub808\uc774\ud2b8(\uc21c\uc601\uc5c5\uc218\uc775\uc744 \ub9e4\uc785 \uac00\uaca9\uc73c\ub85c \ub098\ub208 \uac12)\ub97c \ub300\uaddc\ubaa8\ub85c \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc0c1\uc758 \uac70\ub798\ub97c \uc5bb\uc73c\ub824\uba74 \uc77c\ubc18\uc801\uc73c\ub85c \ud604\uae08\uc73c\ub85c \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \ub9ac\ud30c\uc774\ub0b8\uc2f1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Jose\uc640 \uc800\ub294 \uc774 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\uc5ec 2011\ub144\ubd80\ud130 2013\ub144\uae4c\uc9c0 \ubca0\ub97c\ub9b0\uc5d0\uc11c \ub2e4\uc138\ub300 \uc544\ud30c\ud2b8 \uc5ec\ub7ec \ucc44\ub97c \uad6c\uc785\ud588\uc2b5\ub2c8\ub2e4. <a href=\"http:\/\/www.home61.com\" target=\"_blank\" rel=\"noopener noreferrer\">Home61\uc744<\/a> \uc6b4\uc601\ud558\ub294 \uc81c \ub3d9\uc0dd \uc62c\ub9ac\ube44\uc5d0\ub294 \ud328\ubc00\ub9ac \uc624\ud53c\uc2a4\uac00 \ud50c\ub85c\ub9ac\ub2e4\uc8fc \ub9c8\uc774\uc560\ubbf8\uc640 \uc624\ud558\uc774\uc624\uc8fc \ucf5c\ub7fc\ubc84\uc2a4\uc5d0\uc11c \uc18c\ub4dd\uc744 \ucc3d\ucd9c\ud558\ub294 \ubd80\ub3d9\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc131\uacf5\uc801\uc73c\ub85c \uad6c\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc695\uc774\ub098 \uc0cc\ud504\ub780\uc2dc\uc2a4\ucf54\uc640 \uac19\uc774 \ud55c\ub3c4\uc728\uc774 \uadf9\ub3c4\ub85c \ub0ae\uc740 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc774 \uc811\uadfc \ubc29\uc2dd\uc774 \uc791\ub3d9\ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud558\uc138\uc694.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc131\uacf5\uc801\uc778 \ubd80\ub3d9\uc0b0 \uc811\uadfc \ubc29\uc2dd\uc740 \uc7a5\uae30 \uc784\ub300\uc640 \ub2e8\uae30 \uc784\ub300 \uc0ac\uc774\uc758 \ucc28\uc775 \uac70\ub798\ub97c \ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc544\ud30c\ud2b8\ub97c \uad6c\uc785\ud558\uac70\ub098 \uc7a5\uae30 \uc784\ucc28\ud55c \ud6c4 \uc5d0\uc5b4\ube44\uc564\ube44(\ub610\ub294 \uae30\uc5c5 \uc219\uc18c \ub4f1\uc5d0 \uc0ac\uc6a9\ub418\ub294 \uc911\uae30 \uc784\ub300 \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4)\uc5d0\uc11c \ub2e8\uae30\uac04 \uc784\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad00\ub9ac \ud68c\uc0ac\uc758 \uc218\uc218\ub8cc\ub97c \uace0\ub824\ud558\ub354\ub77c\ub3c4(\ubaa8\ub4e0 \uc791\uc5c5\uc744 \uc9c1\uc811 \ud558\uace0 \uc2f6\uc9c0 \uc54a\ub2e4\uace0 \uac00\uc815\ud560 \ub54c) \uc5f0\uac04 15~25%\uc758 \uc21c\uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\ub294 \ub3c4\uc2dc\uac00 \uba87 \uad70\ub370 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uac74\ubb3c\uacfc \uc784\ub300\ucc28 \uacc4\uc57d\uc5d0\uc11c \uc804\ub300\ub97c \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uace0 \uc77c\ubd80 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc5d0\uc5b4\ube44\uc564\ube44\uc5d0 \uc5ec\ub7ec \uc219\uc18c\ub97c \ub4f1\ub85d\ud558\ub294 \uac83\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uac70\ub098 \ub2e8\uae30 \uc219\ubc15(\uc608: 30\uc77c \ubbf8\ub9cc)\uc744 \uc81c\ud55c\ud558\uae30 \ub54c\ubb38\uc5d0 \uc77c\ubc18\uc801\uc73c\ub85c \ud655\uc7a5\uc131\uc774 \ub5a8\uc5b4\uc9c0\uc9c0\ub9cc, \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ub192\uc740 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uc219\uc18c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub2f9\uc5f0\ud788 \uc81c\uac00 \uac00\uc7a5 \uc88b\uc544\ud558\ub294 \uc790\uc0b0\uad70\uc740 \ucd08\uae30 \ub2e8\uacc4 \uae30\uc220 \ud22c\uc790\uc785\ub2c8\ub2e4. \uc774 \ubd84\uc57c\ub294 \uae30\uc5c5\uc774 \ub9e4\uc6b0 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \uc2e4\uc9c8\uc801\uc778 \uc131\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uba87 \uc548 \ub418\ub294 \uacbd\uc81c \ubd84\uc57c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uc5f0\uac04 2%\uc758 \uad00\ub9ac \uc218\uc218\ub8cc\uc640 \uc218\uc775\uc758 20%\ub97c \uac00\uc838\uac00\ub294 \ubca4\ucc98 \ud380\ub4dc\uc758 \uacbd\uc81c\uc131 \ub54c\ubb38\uc5d0 \ucd5c\uace0\uc758 \ud22c\uc790\uc790\ub4e4\uc740 \ub354 \ud070 \uaddc\ubaa8\uc758 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uace0 \ud6c4\uae30 \ub2e8\uacc4\uc758 \ub51c\uc5d0 \ud22c\uc790\ud560 \uc720\uc778\uc744 \uac16\uac8c \ub429\ub2c8\ub2e4. 3,000\ub9cc~5,000\ub9cc \ub2ec\ub7ec\uc758 \ud380\ub4dc\ub85c\ub294 \ub3c8\uc744 \ubc8c \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ucd08\uae30 \ub2e8\uacc4 \ud380\ub4dc\uc758 \uacbd\uc81c\uc131\uc740 20%\uac00 \uc544\ub2cc 100%\uc758 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \ub9e4\uc6b0 \ud070 \uc561\uc218\uc758 \uac1c\uc778 \uc790\uae08\uc744 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\uc5d0\ub9cc \uc720\ud6a8\ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ucd08\uae30 \ub2e8\uacc4 \ud22c\uc790\ub294 YC \uc678\ubd80\uc5d0\uc11c\ub294 \uadf8\ub2e4\uc9c0 \uacbd\uc7c1\uc774 \uce58\uc5f4\ud558\uc9c0 \uc54a\uc740 \uc790\uc0b0\uad70\uc785\ub2c8\ub2e4. FJ Labs\uc5d0\uc11c\ub294 \ub300\ubd80\ubd84 1\ub144\uc5d0 \uba87 \uac74\uc758 \ub51c\uc744 \uc9c4\ud589\ud558\ub294 \ub35c \uc219\ub828\ub41c \uc5d4\uc824\ub4e4\uacfc \uacbd\uc7c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uace0\uc758 \ud22c\uc790\uc790\ub4e4\uc740 A16Z, Sequoia \ub610\ub294 Greylock\uc5d0\uc11c \ud6c4\uae30 \ub2e8\uacc4\uc758 \uac70\ub798\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd08\uae30 \ub2e8\uacc4\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc744 \uace0\ub824\ud560 \ub54c \uc2b9\uc790\ub97c \uace0\ub974\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc798\ubabb\ub41c \ud22c\uc790\ub97c \ud53c\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ucd5c\uc18c 50\uac1c \uc774\uc0c1\uc758 \ud22c\uc790\ub85c \uad6c\uc131\ub41c \ub9e4\uc6b0 \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uacb0\ud569\ud558\uba74 \ud070 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc800\ub294 \uc774 \uc790\uc0b0\uad70\uc5d0\uc11c \uc9c0\ub09c 19\ub144\uac04 6.3\ubc30\uc758 \ubc30\uc218\ub85c \ud3c9\uade0 70%\uc758 IRR\uc744 \uae30\ub85d\ud588\ub294\ub370, \ubb3c\ub860 \uc544\uc8fc \uc791\uc740 \uc790\uc0b0\uc73c\ub85c \uc2dc\uc791\ud588\uc9c0\ub9cc\uc694. \uc2dc\uac04\uacfc \ud68c\uc0ac \uc218 \uce21\uba74\uc5d0\uc11c \ub2e4\uc591\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. 2~3\ub144\uc5d0 \uac78\uccd0 \ud22c\uc790\ud558\uc138\uc694. \uac70\ub798 \ud750\ub984\uc774 \uc5c6\ub294 \uacbd\uc6b0 \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \ub178\ucd9c\ub418\ub294 \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 <a href=\"http:\/\/www.fundersclub.com\" target=\"_blank\" rel=\"noopener noreferrer\">\ud380\ub354\uc2a4\ud074\ub7fd\uc758<\/a> \ud380\ub4dc\uc640 \uac19\uc740 \uc5ec\ub7ec \ud68c\uc0ac \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uac1c\ubcc4 \uac70\ub798\uc5d0 \ud22c\uc790\ud560 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \ud380\ub4dc\ubcf4\ub2e4 \uac1c\ubcc4 \uac70\ub798\uc5d0 \ud22c\uc790\ud558\ub294 \uae08\uc561\uc774 \ud6e8\uc52c \uc801\uc744 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c \uc774\ub7ec\ud55c \ud380\ub4dc\ub294 \uc804\ud1b5\uc801\uc778 \ud380\ub4dc\uac00 \uc544\ub2c8\ub77c\ub294 \uc810\uc5d0 \uc720\uc758\ud558\uc138\uc694. \uc120\ubd88 \uce90\ud53c\ud0c8 \ucf5c\uc740 \ub2e8 \ud55c \ubc88\ubfd0\uc774\uba70, \ube44\ub840 \ubc30\ubd84\uc73c\ub85c \ub3c8\uc744 \ubcf4\uad00\ud558\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \uc790\uae08\uc774 \ubd80\uc871\ud558\uba74 \ub2e4\ub978 \ud380\ub4dc\ub97c \uc870\uc131\ud569\ub2c8\ub2e4. \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \uacbd\uc6b0 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \ube44\uc911\uc744 \uac00\uc838\ub2e4\uac00 2~3\ub144 \uc815\ub3c4\uc5d0 \uac78\uccd0 \uc5ec\ub7ec \ud380\ub4dc\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec \uc5ec\ub7ec \ud380\ub4dc\uc5d0 \ub178\ucd9c\ub418\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n<p>II\ub294 \ub610\ud55c \uc5d0\uc5b4\ube44\uc564\ube44\uc640 \uac19\uc740 \uba87\uba87 \ud504\ub9ac IPO \uae30\uc5c5\uc5d0 \ub354 \uc801\uc740 \uae08\uc561\uc744 \uc9d1\uc911\uc801\uc73c\ub85c \ud22c\uc790\ud560 \uac83\uc785\ub2c8\ub2e4. 10\ubc30\ub97c \ubc8c \uc218\ub294 \uc5c6\uc9c0\ub9cc \uba87 \ub144 \uc548\uc5d0 1.5~3\ubc30\ub97c \ubc8c\uace0 \ub192\uc740 IRR\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc218\uc2ed\uc5b5 \ub2ec\ub7ec\uc758 \uae30\uc5c5 \uac00\uce58\ub97c \uc778\uc815\ubc1b\ub294 \ucd08\uae30 \ub2e8\uacc4\uc758 &#8216;\ud22c\uae30\uc131 \uc720\ub2c8\ucf58&#8217;\uc774 \uc544\ub2c8\ub77c, \uae30\uc5c5\uacf5\uac1c\ub85c \uac00\ub294 \uc720\ud6a8\ud55c \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc744 \uac00\uc9c4 \uae30\uc874 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5d0\uc5b4\ube44\uc564\ube44\ub294 \ud604\uc7ac \uadf8 \uac00\uc7a5 \uc88b\uc740 \uc608\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc21c\uc790\uc0b0\uc758 20~30% \uc815\ub3c4\ub294 \ud604\uae08\uc73c\ub85c \ubcf4\uc720\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc740\ud589\uac00\ub4e4\uc740 \uc6b0\ub9ac\uac00 \ub3c8\uc744 \ud14c\uc774\ube14 \uc704\uc5d0 \uc62c\ub824\ub193\ub294\ub2e4\uace0 \uc0dd\uac01\ud558\uae30 \ub54c\ubb38\uc5d0 \uc774\ub97c \uc2eb\uc5b4\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc800\uae08\ub9ac \ud658\uacbd\uc5d0\uc11c \uc218\uc775\ub960\uc744 \ucad3\ub294 \uac83\uc740 \ub9c8\uce58 \uc2a4\ud300 \ub864\ub7ec \uc55e\uc5d0\uc11c \ub3d9\uc804\uc744 \uc90d\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \ub0ae\uc740 \uc218\uc775\ub960\uacfc \uc778\ud50c\ub808\uc774\uc158\uc744 \uace0\ub824\ud560 \ub54c \ud604\uae08\uc744 \ubcf4\uc720\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4. \uae30\ud68c\ube44\uc6a9\uc774 \ub9e4\uc6b0 \ub0ae\uace0 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uc591\uc9c8\uc758 \uc790\uc0b0\uc744 \ud070 \ud3ed\uc73c\ub85c \ud560\uc778\ub41c \uac00\uaca9\uc5d0 \ub9e4\uc785\ud558\uc5ec \uace0\uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\ub294 \ub180\ub77c\uc6b4 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \uc791\uc5c5\uc744 \uc218\ud589\ud558\ub824\uba74 \ubc18\ub300\ub418\ub294 \uae30\uc9c8\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc0ac\ub78c\ub4e4\uc774 \ub450\ub824\uc6cc\ud558\uace0 \uc138\uc0c1\uc774 \ub05d\ub0a0 \uac83 \uac19\uc744 \ub54c \uae30\uaebc\uc774 \uad6c\ub9e4\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \ud604\uae08\uc758 \uc77c\ubd80\ub97c \ub2e4\uc74c \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc704\ud55c \uc885\uc790 \uc790\uae08\uc73c\ub85c \uc0ac\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \ucc98\uc74c 50\ub9cc~100\ub9cc \ub2ec\ub7ec\ub294 \uac00\uc7a5 \ube44\uc2f8\uace0 \ud76c\uc11d\ud560 \uc218 \uc788\ub294 \uc790\ubcf8\uae08\uc785\ub2c8\ub2e4. \uc778\uc0c1\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\ub2e4\uba74 \ub354\ud560 \ub098\uc704 \uc5c6\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc544\uc774\ub514\uc5b4 \ucc3d\ucd9c \uacfc\uc815\uacfc \uc2a4\ud0c0\ud2b8\uc5c5 \uc2e4\ud589\uc5d0 \uc788\uc5b4\uc11c\ub294 \uc5ec\uc804\ud788 \ubd80\uc9c0\ub7f0\ud788 \ub178\ub825\ud574\uc57c \ud569\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc800\ub294 \ub2e4\uc74c \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc2dc\uc791\ud560 \ub54c 10% \uc774\uc0c1\uc758 \uc704\ud5d8\uc744 \uac10\uc218\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \ubc29\uae08 1,000\ub9cc \ub2ec\ub7ec\uc758 \uc21c\uc774\uc775\uc744 \uc62c\ub838\uace0 \ub0b4 \uc9d1\uc744 \uc18c\uc720\ud558\uace0 \uc2f6\uace0 \uc55e\uc11c \uc5b8\uae09\ud55c \uc804\ub7b5\uc744 \ub530\ub790\ub2e4\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \ubc30\ud3ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<p><strong>400\ub9cc \ub2ec\ub7ec\uc9dc\ub9ac \uc544\ud30c\ud2b8 \uad6c\uc785<\/strong><\/p>\n<ul>\n<li>400\ub9cc \ub2ec\ub7ec \uc911 300\ub9cc \ub2ec\ub7ec\ub97c 30\ub144 \ub3d9\uc548 3.5%\uc758 \uc774\uc790\ub85c \ube4c\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc774\uc790 \uc9c0\uae09\uc561\uc744 \uc138\uae08\uc5d0\uc11c \uacf5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc774\uc81c \ud604\uae08 900\ub9cc \ub2ec\ub7ec\uac00 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\uc18c\ub4dd\uc744 \ucc3d\ucd9c\ud558\ub294 \ubd80\ub3d9\uc0b0\uc5d0 250\ub9cc \ub2ec\ub7ec \ud22c\uc790\ud558\uae30<\/strong><\/p>\n<ul>\n<li>\uc774\uac83\uc740 &#8220;\uc548\uc804\ud55c&#8221; \ud22c\uc790\uc774\uba70 \uc5ec\ub7ec \uc9c0\uc5ed\uc758 \uc5ec\ub7ec \ubd80\ub3d9\uc0b0\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ub294 \ud604\uae08\uc744 \ucc3d\ucd9c\ud558\uae30 \uc704\ud55c \uac83\uc785\ub2c8\ub2e4. \ubaa9\ud45c\ud558\ub294 \uc21c \ucea1\ub960\uc740 6~13%\uc774\uba70 \ud6a8\uacfc\uc801\uc778 \ub2e8\uae30 \ub80c\ud0c8 \uc804\ub7b5\uc73c\ub85c 25%\uae4c\uc9c0 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc774\uc81c \ud604\uae08 650\ub9cc \ub2ec\ub7ec\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\ucd08\uae30 \ub2e8\uacc4 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 250\ub9cc \ub2ec\ub7ec \ud22c\uc790<\/strong><\/p>\n<ul>\n<li>\ucd5c\uc18c 50\uac1c \uc774\uc0c1\uc758 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ud22c\uc790\ud574\uc57c \uc131\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc774\ub807\uac8c \ud558\uba74 \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 <a href=\"https:\/\/fundersclub.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">\ud380\ub354\uc2a4\ud074\ub7fd\uacfc<\/a> \uac19\uc740 \uc5ec\ub7ec \ud68c\uc0ac\uc758 \ud380\ub4dc\ub97c \ud6c4\uc6d0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc800\ub294 \uc544\ub9c8\ub3c4 \ud380\ub4dc\ub2f9 50\ub9cc \ub2ec\ub7ec\ub97c \ud22c\uc790\ud560 \uac83\uc785\ub2c8\ub2e4.<\/li>\n<li>\ub610\ud55c \ud655\uc2e0\uc744 \uac00\uc9c0\uace0 \uc788\ub294 \uce5c\uad6c\uc758 \uba4b\uc9c4 \uac70\ub798\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc774\uc81c 400\ub9cc \ub2ec\ub7ec\uc758 \ud604\uae08\uc774 \uc0dd\uacbc\uc2b5\ub2c8\ub2e4. \ud22c\uc790\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc774\ub8e8\uc5b4\uc9c0\uc9c0\ub9cc \uccab \uc218\ud45c\uac00 50\ub9cc \ub2ec\ub7ec\uc5d0 \ubd88\uacfc\ud558\ub354\ub77c\ub3c4 \ub9c8\uc74c\uc18d\uc73c\ub85c \uc790\uae08\uc744 &#8216;\ud560\ub2f9&#8217;\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\ud6c4\uae30 \ub2e8\uacc4\uc758 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 100\ub9cc \ub2ec\ub7ec \ud22c\uc790<\/strong><\/p>\n<ul>\n<li>\ube44\uad50\uc801 \uc548\uc804\ud55c \ubc29\ubc95\uc73c\ub85c 2-3\ubc30\ub97c \ub9cc\ub4dc\ub294 \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc800\ub294 \ubcf4\ud1b5 \uc5d0\uc5b4\ube44\uc564\ube44, \ucfe0\ud321 \ub4f1\uacfc \uac19\uc740 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uae30\uc5c5\uacf5\uac1c \uc804 2\ub144 \ub3d9\uc548 \ud22c\uc790\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc77c\ubc18\uc801\uc73c\ub85c 25\ub9cc \ub2ec\ub7ec\uc758 \ud070 \uc218\ud45c\ub97c \uc368\uc57c \ud55c\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud558\uc138\uc694.<\/li>\n<li>\uac70\ub798\uac00 \ubcf4\uc774\uba74 \uac70\ub798\uc5d0 \ucd08\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc774\uc81c \ud604\uae08 300\ub9cc \ub2ec\ub7ec\uac00 \uc788\uc9c0\ub9cc, \ub300\ubd80\ubd84\uc758 \ud604\uae08\uc744 \uc7a5\uae30\uac04 \ubcf4\uad00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\ud604\uae08 300\ub9cc \ub2ec\ub7ec \ubcf4\uad00<\/strong><\/p>\n<ul>\n<li>\uc218\uc775\uc740 $0\uc774\uc9c0\ub9cc \uc548\uc804\ud569\ub2c8\ub2e4.<\/li>\n<li>\uae34\uae09\ud558\uac8c \ud604\uae08\uc774 \ud544\uc694\ud55c \uc0ac\ub78c\uc774 \uc788\ub294\ub370 \uc9c0\uae08 \ud604\uae08\uc744 \uc8fc\uba74 50% \ud560\uc778\ub41c \uac00\uaca9\uc5d0 \ud314\uaca0\ub2e4\uac70\ub098, \ud070 \uc870\uc815 \ud6c4 \uc6b0\ub7c9 \uc8fc\uc2dd\uc744 \uc2f8\uac8c \uc0b4 \uc218 \uc788\ub294 \ub4f1\uc758 \uae30\ud68c\ub97c \ubc1c\uacac\ud588\uc744 \ub54c \ud22c\uc790\ud560 \uc218 \uc788\ub294 $$$\ub97c \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ub2e4\uc74c \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uccab 100\ub9cc \ub2ec\ub7ec\ub97c \ud22c\uc790\ud558\uace0 \uc2dc\ub4dc \ub77c\uc6b4\ub4dc\uc758 \uace0\ud1b5\uacfc \ud76c\uc11d\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc8fc\uc2dd \ubc38\ub958\uc5d0\uc774\uc158\uc774 \ud3c9\uade0\uc73c\ub85c \ub3cc\uc544\uac04\ub2e4\uba74 \uc800\ub294 \ubd80\ub3d9\uc0b0\uacfc \uae30\uc220 \ud22c\uc790\ub97c \uac01\uac01 50\ub9cc \ub2ec\ub7ec\uc529 \uc904\uc774\uace0 \ub300\uc2e0 \ube44\uae30\uc220, \ube44\uae08\uc735 \uc6b0\ub7c9 \uace0\ubc30\ub2f9\uc8fc\uc5d0 100\ub9cc \ub2ec\ub7ec\ub97c \ud560\ub2f9\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc704\uc758 \ud560\ub2f9\ub7c9\uc740 \uac1c\uc778\uc758 \ud604\uae08 \uc218\uc694\uc640 \uc21c\uc790\uc0b0\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud558\uc138\uc694. \ub9cc\uc57d \uc5ec\ub7ec\ubd84\uc774 100\ub9cc \ub2ec\ub7ec\uc758 \uac00\uce58\uac00 \uc788\ub2e4\uba74, \ud560\ub2f9\ub7c9\uc740 \ub9e4\uc6b0 \ub2ec\ub77c\uc9c8 \uac83\uc785\ub2c8\ub2e4. \ubc18\ub300\ub85c, \uc790\uc0b0\uc774 \ud6e8\uc52c \ub354 \ub9ce\ub2e4\uba74 \uc21c\uc790\uc0b0\uc758 \ub354 \ub0ae\uc740 \ube44\uc728\uc744 \uc8fc \uac70\uc8fc\uc9c0\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc81c \uc790\uc0b0\uc774 \uc548\uc804\ud558\uac8c \ubcf4\ud638\ub418\uc5b4 \ubc24\uc5d0 \ub354 \ud3b8\ud788 \uc7a0\ub4e4 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4 \ud83d\ude42<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc774 \ube14\ub85c\uadf8 \uac8c\uc2dc\ubb3c\uc740 \uc6b4\uc774 \uc88b\uc740 \uadf9\uc18c\uc218\uc758 \uae30\uc5c5\uac00\uc5d0\uac8c\ub9cc \ud574\ub2f9\ub418\ub294 \ub0b4\uc6a9\uc774\uae30 \ub54c\ubb38\uc5d0 \ube44\uaf2c\ub294 \uac83\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae30\uc874 \ud22c\uc790\uc790\ubb38\uc0ac\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc798\ubabb\ub41c \uc870\uc5b8\uc774 \ub108\ubb34 \ub9ce\uc558\uace0, \uc81c\uac00 \uc9c0\uc6d0\ud55c \uae30\uc5c5\uac00\ub4e4 \uc911 &hellip; <a href=\"https:\/\/fabricegrinda.com\/ko\/%ec%9e%90%ec%82%b0-%ea%b4%80%eb%a6%ac%ec%97%90-%eb%8c%80%ed%95%9c-%eb%b9%84%ec%a0%84%ed%86%b5%ec%a0%81-%ec%a0%91%ea%b7%bc-%eb%b0%a9%ec%8b%9d\/\" class=\"more-link\">\ub354 \ubcf4\uae30<span class=\"screen-reader-text\"> &#8220;\uc790\uc0b0 \uad00\ub9ac\uc5d0 \ub300\ud55c \ube44\uc804\ud1b5\uc801 \uc811\uadfc \ubc29\uc2dd&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":38520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[592,588,589,591],"tags":[],"class_list":["post-38516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-592","category-588","category-589","category-591"],"acf":[],"contentUpdated":"\uc790\uc0b0 \uad00\ub9ac\uc5d0 \ub300\ud55c \ube44\uc804\ud1b5\uc801 \uc811\uadfc \ubc29\uc2dd. Categories - \uc0ac\uc0c9, \uac1c\uc778\uc801\uc778 \uc0dd\uac01, \ube44\uc988\ub2c8\uc2a4 \uc0ac\uc0c9, \ucd94\ucc9c \uac8c\uc2dc\ubb3c. Date-Posted - 2017-06-19T14:57:36 . \uc774 \ube14\ub85c\uadf8 \uac8c\uc2dc\ubb3c\uc740 \uc6b4\uc774 \uc88b\uc740 \uadf9\uc18c\uc218\uc758 \uae30\uc5c5\uac00\uc5d0\uac8c\ub9cc \ud574\ub2f9\ub418\ub294 \ub0b4\uc6a9\uc774\uae30 \ub54c\ubb38\uc5d0 \ube44\uaf2c\ub294 \uac83\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae30\uc874 \ud22c\uc790\uc790\ubb38\uc0ac\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc798\ubabb\ub41c \uc870\uc5b8\uc774 \ub108\ubb34 \ub9ce\uc558\uace0, \uc81c\uac00 \uc9c0\uc6d0\ud55c \uae30\uc5c5\uac00\ub4e4 \uc911 \uc131\uacf5\uc801\uc73c\ub85c \ud22c\uc790\uae08\uc744 \ud68c\uc218\ud55c \uc0ac\ub78c\ub4e4\uc774 \uc800\uc5d0\uac8c \uc790\uae08 \uad00\ub9ac \ubc29\ubc95\uc744 \ubb3b\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uae30 \ub54c\ubb38\uc5d0 \uc774 \uae00\uc744 \uaf2d \uc368\uc57c\uaca0\ub2e4\uace0 \uc0dd\uac01\ud588\uc2b5\ub2c8\ub2e4.\n \ub300\ubd80\ubd84\uc758 \uc804\ud1b5\uc801\uc778 \uc5b4\ub4dc\ubc14\uc774\uc800\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \uad6d\ub0b4 \uc8fc\uc2dd 30%(\ub300\ud615\uc8fc\uc640 \uc911\ud615\uc8fc \ubd84\ud560), \ud574\uc678 \uc8fc\uc2dd 20%, \ubd80\ub3d9\uc0b0 20%, \ucc44\uad8c 20%, \ub300\uccb4\ud22c\uc790 5%(\uc0ac\ubaa8\ud380\ub4dc \ubc0f \ud5e4\uc9c0\ud380\ub4dc), \ud604\uae08 5%\uc758 \ubaa8\ub378\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc728\uc740 \uc778\uad6c \ud1b5\uacc4 \uc815\ubcf4\uc640 \uc704\ud5d8 \ud504\ub85c\ud544\uc5d0 \ub530\ub77c \uc57d\uac04\uc529 \ub2e4\ub974\uc9c0\ub9cc \ubc29\ud5a5\uc740 \uc815\ud655\ud569\ub2c8\ub2e4. \ud765\ubbf8\ub86d\uac8c\ub3c4 \uac00\uc7a5 \uacf5\uaca9\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucd94\ucc9c\uacfc \ubcf4\uc218\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucd94\ucc9c\uc758 \ube44\uc911\uc740 \ud06c\uac8c \ub2e4\ub974\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.\n \uc774\ub7ec\ud55c \ubaa8\ub378\uc740 \uac01 \uc790\uc0b0 \ud074\ub798\uc2a4\uc758 \uacfc\uac70 \uc704\ud5d8 \ud504\ub9ac\ubbf8\uc5c4\uacfc \ubcc0\ub3d9\uc131\uc744 \uae30\ubc18\uc73c\ub85c \ud569\ub2c8\ub2e4. \uc774 \ud560\ub2f9\uc774 \ud569\ub9ac\uc801\uc77c \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774 \ubaa8\ub378\uc740 \ud22c\uc790 \uc2dc\uc810\uc5d0 \ubaa8\ub4e0 \uc790\uc0b0 \ud074\ub798\uc2a4\uc758 \uac00\uce58\ub97c \uacf5\uc815\ud558\uac8c \ud3c9\uac00\ud569\ub2c8\ub2e4. \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud558\ub294 \ubc38\ub958\uc5d0\uc774\uc158\uc774 \uc815\ub9d0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc9c0\uae08\ucc98\ub7fc \uae08\ub9ac\uac00 \uc5ed\uc0ac\uc801\uc73c\ub85c \ub0ae\uc740 \uc2dc\uae30\uc5d0\ub294 \uace0\uc815 \uc218\uc785\uc744 \ubcf4\uc720\ud558\ub294 \uac83\uc740 \uc758\ubbf8\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \uc218\uc775\ub960\uc774 \ub108\ubb34 \ub0ae\uc544\uc11c \ucc28\ub77c\ub9ac \ud604\uae08\uc73c\ub85c \ubc1b\ub294 \uac83\uc774 \ub098\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubd88\uc774\ud589 \uc704\ud5d8\uc5d0 \ub300\ud574 \uacf5\uc815\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc9c0 \ubabb\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud558\uba74 \ucc44\uad8c \uac00\uaca9\uc740 \ud558\ub77d\ud560 \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc8fc\uc2dd \uac00\uaca9\ub3c4 \ud48d\ubd80\ud558\uac8c \ub290\uaef4\uc9d1\ub2c8\ub2e4. \uc5ed\uc0ac\uc801\uc73c\ub85c 8%\uac00 \ub118\ub294 \ub192\uc740 \uae30\uc5c5 \uc774\uc775\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 S&amp;P 500 \uc8fc\uac00\uc218\uc775\ube44\uc728\uc740 25.5\uc785\ub2c8\ub2e4. \uc5ed\uc0ac\uc801\uc73c\ub85c S&amp;P\ub294 \uc8fc\uac00\uc218\uc775\ube44\uc728 14\uc5d0 \uac70\ub798\ub418\uc5c8\uace0 \uae30\uc5c5 \uc774\uc775\uc740 \ud3c9\uade0 5%\uc600\uc2b5\ub2c8\ub2e4.\n \uacfc\uac70\uc5d0\ub294 \uc591\uc9c8\uc758 \uace0\ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud558\ub294 \ubbf8\uad6d \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud588\uc2b5\ub2c8\ub2e4. \ud604\uae08\uc744 \ucc3d\ucd9c\ud558\uace0 \uac00\uce58\ub97c \uc778\uc815\ubc1b\uc558\uc2b5\ub2c8\ub2e4. \uc800\ub294 \uc774\ubbf8 \uc9c1\uc5c5\uc744 \ud1b5\ud574 \uae30\uc220 \uc5c5\uc885\uc5d0 \uacfc\ub3c4\ud558\uac8c \ub178\ucd9c\ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc5d0 \uae30\uc220 \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uae08\uc735\ud68c\uc0ac\uc758 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ub300\ucc28\ub300\uc870\ud45c\uac00 \uac1c\uc120\ub418\uc5c8\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc704\uae30\uac00 \ubc1c\uc0dd\ud558\uba74 \ubaa8\ub4e0 \uc790\uc0b0\uc774 \uc27d\uac8c \uc0ac\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc62c\ud574 \ucd08 \ubc38\ub958\uc5d0\uc774\uc158 \ubb38\uc81c\ub85c \uc778\ud574 \uc8fc\uc2dd \uc775\uc2a4\ud3ec\uc800\ub97c \uccad\uc0b0\ud588\uc2b5\ub2c8\ub2e4.\n \uc561\ud2f0\ube0c \ud380\ub4dc \ubc0f \ud5e4\uc9c0 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uc9c0 \ub9c8\uc138\uc694. \uc740\ud589\uac00\ub4e4\uc740 \ub192\uc740 \uc218\uc218\ub8cc \ub54c\ubb38\uc5d0 \uc740\ud589\uc744 \uc88b\uc544\ud558\uc9c0\ub9cc, \uc218\uc218\ub8cc\ub97c \uc81c\uc678\ud558\uba74 \uc7a5\uae30\uc801\uc73c\ub85c S&amp;P 500\uc744 \ub2a5\uac00\ud558\ub294 \uc740\ud589\uc740 \uc5c6\uc2b5\ub2c8\ub2e4. \ub354 \ub098\uc05c \uac83\uc740, \uc6b0\ub9ac\ub294 \uc885\uc885 \uc88b\uc740 \uc131\uacfc\ub97c \uac70\ub454 \ud6c4\uc5d0 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ud3c9\uade0\uc801\uc778 \uc218\uc775\ub960\ub85c \uc774\uc5b4\uc9c8 \ubfd0\uc785\ub2c8\ub2e4. \ub610\ud55c \uc740\ud589\uc774 \ucd94\uc9c4\ud558\ub294 \uc0ac\ubaa8\ud380\ub4dc\uc5d0\ub3c4 \ud22c\uc790\ud558\uc9c0 \uc54a\uc744 \uac83\uc785\ub2c8\ub2e4. \uc774 \uc790\uc0b0 \ud074\ub798\uc2a4\ub294 IRR \uad00\uc810\uc5d0\uc11c \ubcf4\uba74 \uad1c\ucc2e\uc9c0\ub9cc, \ud380\ub4dc\ub294 \uc601\uc6d0\ud788(10\ub144 \uc774\uc0c1) \uc720\ub3d9\uc801\uc774\uc9c0 \uc54a\uace0 \uc218\uc218\ub8cc\uac00 \uc218\uc775\uc758 \ub9ce\uc740 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \ub610\ud55c \uc0ac\ubaa8\ud380\ub4dc\uc758 \uacfc\uac70 \ud380\ub4dc \uc218\uc775\ub960\uacfc \ubbf8\ub798 \ud380\ub4dc \uc218\uc775\ub960 \uc0ac\uc774\uc5d0\ub294 \uc0c1\uad00\uad00\uacc4\uac00 \uac70\uc758 \uc5c6\uc2b5\ub2c8\ub2e4.\n \ub610\ud55c \ub9c8\uc9c4\uc73c\ub85c \ub300\ucd9c\ud574\uc11c\ub294 \uc808\ub300 \uc548 \ub429\ub2c8\ub2e4. \uc81c\uac00 \ub9cc\ub09c \ubaa8\ub4e0 \uc740\ud589\uac00\ub4e4\uc774 \uc774\ub97c \ucd94\uc9c4\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ub9d0\ud558\uc8e0: &#8220;4%\uc758 \uc218\uc775\uc744 \ub0b4\ub294 \ucc44\uad8c\uc5d0 100\ub9cc \ub2ec\ub7ec\ub97c \ud22c\uc790\ud558\uba74 2%\ub85c 100\ub9cc \ub2ec\ub7ec\ub97c \ube4c\ub824\ub4dc\ub9bd\ub2c8\ub2e4. \ud22c\uc790\ub85c \ub3c8\uc744 \ubc8c \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c 100\ub9cc \ub2ec\ub7ec\ub294 \uc5b4\ub514\ub4e0 \uc4f8 \uc218 \uc788\uc2b5\ub2c8\ub2e4!&#8221;\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uc88b\uc740 \uc0dd\uac01\ucc98\ub7fc \ub4e4\ub9ac\uc9c0\ub9cc, \uc5b4\ub824\uc6b4 \uc2dc\uae30(\uc608: 2008\/2009\ub144 \uc704\uae30)\uc5d0\ub294 \uc790\uc0b0 \uac00\uce58\uac00 \ub5a8\uc5b4\uc9c0\uae30 \ub54c\ubb38\uc5d0 \ub054\ucc0d\ud55c \uc0dd\uac01\uc785\ub2c8\ub2e4. \ucc28\uc561\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \uc740\ud589\uc740 \uce90\ud53c\ud0c8 \ucf5c\uc744 \ud558\uace0 \uc190\uc2e4\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \ud604\uae08\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc694\uccad\ud569\ub2c8\ub2e4. \ubc14\ub85c \uadf8 \uc21c\uac04\uc774 \uac00\uc7a5 \ub9ce\uc740 \ud604\uae08\uc744 \uae30\ud68c\ub85c \uc0bc\uc544 \uc800\ub834\ud558\uac8c \uc790\uc0b0\uc744 \ub9e4\uc218\ud560 \uc218 \uc788\ub294 \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc5f0\uac04 2%\ub294 \uadf8\ub9cc\ud55c \uac00\uce58\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ud604\uae08\uc73c\ub85c \ubcf4\uad00\ud558\uc138\uc694. \uc704\uae30\uac00 \ubc1c\uc0dd\ud558\uba74 \uace0\ud488\uc9c8\uc758 \uc790\uc0b0\uc5d0 \uc800\ub834\ud55c \uac00\uaca9\uc73c\ub85c \ud22c\uc790\ud558\uc5ec 100% \uc774\uc0c1\uc758 \uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n \uc800\ub294 \uac1c\uc778 \ubd80\ub3d9\uc0b0\uc744 \ud22c\uc790\ub77c\uae30\ubcf4\ub2e4\ub294 \uc18c\ube44\ub77c\uace0 \uc0dd\uac01\ud558\uae30 \ub54c\ubb38\uc5d0 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud574 \uc880 \ub354 \ubd88\uac00\uc9c0\ub860\uc801\uc778 \ud3b8\uc785\ub2c8\ub2e4. \ub274\uc695\uacfc \uac19\uc740 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc784\ub300 \uc218\uc775\ub960\uc774 2~4%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4. \ucd1d \uc6d4 \uc18c\uc720 \ube44\uc6a9(\ubaa8\uae30\uc9c0 \ube44\uc6a9 + \uacc4\uc57d\uae08 \uae30\ud68c \ube44\uc6a9 &#8211; \ub610\ub294 \uacc4\uc0b0\uc744 \ub354 \uac04\ub2e8\ud558\uac8c \ud558\uae30 \uc704\ud574 100% \ubaa8\uae30\uc9c0\ub97c \uc774\uc6a9\ud588\ub2e4\uace0 \uac00\uc815\ud558\uace0 \uc7ac\uc0b0\uc138 + \uc720\uc9c0\ube44 + \uace0\uc7a5\ub09c \ubb3c\uac74\uc744 \uc218\ub9ac\ud558\ub294 \ub370 \ub4dc\ub294 \uc6d4 \ud3c9\uade0 \ube44\uc6a9)\uacfc \uc784\ub300\ub8cc\ub97c \ube44\uad50\ud558\uba74, \uc784\ub300\ub8cc\uac00 \uc18c\uc720\ubcf4\ub2e4 2~3\ubc30 \uc800\ub834\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4! \uadf8\ub807\uae34 \ud558\uc9c0\ub9cc \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc8fc \uac70\uc8fc\uc9c0\ub97c \uc18c\uc720\ud558\ub294 \uac83\uc744 \uc88b\uc544\ud569\ub2c8\ub2e4. \uc608\uc0b0\uc5d0 \ub9de\uace0 \ud22c\uc790\uac00 \uc544\ub2cc \uc18c\ube44\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc778\uc9c0\ud558\uace0 \uc788\ub2e4\uba74, \ud589\ubcf5\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc120\ud0dd\ud558\uc138\uc694(\uad6c\ub9e4\ub97c \uc6d0\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc784\ub300).\n \ubd80\ub3d9\uc0b0\uc740 \ud604\uc7ac \uac00\uc7a5 \ub9e4\ub825\uc801\uc778 \uc790\uc0b0\uad70 \uc911 \ud558\ub098\uc774\uba70, \uac70\uc8fc\ud558\uace0 \uc2f6\uc740 \ubd80\ub3d9\uc0b0\uc744 \uad6c\uc785\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \ub2e4\uac01\ud654\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ubcf4\uc720\ud558\uace0 \uc788\ub2e4\uba74 \ub9e4\uc6b0 \uc548\uc804\ud558\uba70 \ud22c\uc790 \uc9c0\uc5ed\uc5d0 \ub530\ub77c 6~13%\uc758 \ucea1 \ub808\uc774\ud2b8(\uc21c\uc601\uc5c5\uc218\uc775\uc744 \ub9e4\uc785 \uac00\uaca9\uc73c\ub85c \ub098\ub208 \uac12)\ub97c \ub300\uaddc\ubaa8\ub85c \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc0c1\uc758 \uac70\ub798\ub97c \uc5bb\uc73c\ub824\uba74 \uc77c\ubc18\uc801\uc73c\ub85c \ud604\uae08\uc73c\ub85c \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \ub9ac\ud30c\uc774\ub0b8\uc2f1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Jose\uc640 \uc800\ub294 \uc774 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\uc5ec 2011\ub144\ubd80\ud130 2013\ub144\uae4c\uc9c0 \ubca0\ub97c\ub9b0\uc5d0\uc11c \ub2e4\uc138\ub300 \uc544\ud30c\ud2b8 \uc5ec\ub7ec \ucc44\ub97c \uad6c\uc785\ud588\uc2b5\ub2c8\ub2e4. Home61\uc744 \uc6b4\uc601\ud558\ub294 \uc81c \ub3d9\uc0dd \uc62c\ub9ac\ube44\uc5d0\ub294 \ud328\ubc00\ub9ac \uc624\ud53c\uc2a4\uac00 \ud50c\ub85c\ub9ac\ub2e4\uc8fc \ub9c8\uc774\uc560\ubbf8\uc640 \uc624\ud558\uc774\uc624\uc8fc \ucf5c\ub7fc\ubc84\uc2a4\uc5d0\uc11c \uc18c\ub4dd\uc744 \ucc3d\ucd9c\ud558\ub294 \ubd80\ub3d9\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc131\uacf5\uc801\uc73c\ub85c \uad6c\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc695\uc774\ub098 \uc0cc\ud504\ub780\uc2dc\uc2a4\ucf54\uc640 \uac19\uc774 \ud55c\ub3c4\uc728\uc774 \uadf9\ub3c4\ub85c \ub0ae\uc740 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc774 \uc811\uadfc \ubc29\uc2dd\uc774 \uc791\ub3d9\ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud558\uc138\uc694.\n \ub610 \ub2e4\ub978 \uc131\uacf5\uc801\uc778 \ubd80\ub3d9\uc0b0 \uc811\uadfc \ubc29\uc2dd\uc740 \uc7a5\uae30 \uc784\ub300\uc640 \ub2e8\uae30 \uc784\ub300 \uc0ac\uc774\uc758 \ucc28\uc775 \uac70\ub798\ub97c \ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc544\ud30c\ud2b8\ub97c \uad6c\uc785\ud558\uac70\ub098 \uc7a5\uae30 \uc784\ucc28\ud55c \ud6c4 \uc5d0\uc5b4\ube44\uc564\ube44(\ub610\ub294 \uae30\uc5c5 \uc219\uc18c \ub4f1\uc5d0 \uc0ac\uc6a9\ub418\ub294 \uc911\uae30 \uc784\ub300 \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4)\uc5d0\uc11c \ub2e8\uae30\uac04 \uc784\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad00\ub9ac \ud68c\uc0ac\uc758 \uc218\uc218\ub8cc\ub97c \uace0\ub824\ud558\ub354\ub77c\ub3c4(\ubaa8\ub4e0 \uc791\uc5c5\uc744 \uc9c1\uc811 \ud558\uace0 \uc2f6\uc9c0 \uc54a\ub2e4\uace0 \uac00\uc815\ud560 \ub54c) \uc5f0\uac04 15~25%\uc758 \uc21c\uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\ub294 \ub3c4\uc2dc\uac00 \uba87 \uad70\ub370 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uac74\ubb3c\uacfc \uc784\ub300\ucc28 \uacc4\uc57d\uc5d0\uc11c \uc804\ub300\ub97c \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uace0 \uc77c\ubd80 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc5d0\uc5b4\ube44\uc564\ube44\uc5d0 \uc5ec\ub7ec \uc219\uc18c\ub97c \ub4f1\ub85d\ud558\ub294 \uac83\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uac70\ub098 \ub2e8\uae30 \uc219\ubc15(\uc608: 30\uc77c \ubbf8\ub9cc)\uc744 \uc81c\ud55c\ud558\uae30 \ub54c\ubb38\uc5d0 \uc77c\ubc18\uc801\uc73c\ub85c \ud655\uc7a5\uc131\uc774 \ub5a8\uc5b4\uc9c0\uc9c0\ub9cc, \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ub192\uc740 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uc219\uc18c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.\n \ub2f9\uc5f0\ud788 \uc81c\uac00 \uac00\uc7a5 \uc88b\uc544\ud558\ub294 \uc790\uc0b0\uad70\uc740 \ucd08\uae30 \ub2e8\uacc4 \uae30\uc220 \ud22c\uc790\uc785\ub2c8\ub2e4. \uc774 \ubd84\uc57c\ub294 \uae30\uc5c5\uc774 \ub9e4\uc6b0 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \uc2e4\uc9c8\uc801\uc778 \uc131\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uba87 \uc548 \ub418\ub294 \uacbd\uc81c \ubd84\uc57c \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uc5f0\uac04 2%\uc758 \uad00\ub9ac \uc218\uc218\ub8cc\uc640 \uc218\uc775\uc758 20%\ub97c \uac00\uc838\uac00\ub294 \ubca4\ucc98 \ud380\ub4dc\uc758 \uacbd\uc81c\uc131 \ub54c\ubb38\uc5d0 \ucd5c\uace0\uc758 \ud22c\uc790\uc790\ub4e4\uc740 \ub354 \ud070 \uaddc\ubaa8\uc758 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uace0 \ud6c4\uae30 \ub2e8\uacc4\uc758 \ub51c\uc5d0 \ud22c\uc790\ud560 \uc720\uc778\uc744 \uac16\uac8c \ub429\ub2c8\ub2e4. 3,000\ub9cc~5,000\ub9cc \ub2ec\ub7ec\uc758 \ud380\ub4dc\ub85c\ub294 \ub3c8\uc744 \ubc8c \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ucd08\uae30 \ub2e8\uacc4 \ud380\ub4dc\uc758 \uacbd\uc81c\uc131\uc740 20%\uac00 \uc544\ub2cc 100%\uc758 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \ub9e4\uc6b0 \ud070 \uc561\uc218\uc758 \uac1c\uc778 \uc790\uae08\uc744 \ud22c\uc790\ud558\ub294 \uacbd\uc6b0\uc5d0\ub9cc \uc720\ud6a8\ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ucd08\uae30 \ub2e8\uacc4 \ud22c\uc790\ub294 YC \uc678\ubd80\uc5d0\uc11c\ub294 \uadf8\ub2e4\uc9c0 \uacbd\uc7c1\uc774 \uce58\uc5f4\ud558\uc9c0 \uc54a\uc740 \uc790\uc0b0\uad70\uc785\ub2c8\ub2e4. FJ Labs\uc5d0\uc11c\ub294 \ub300\ubd80\ubd84 1\ub144\uc5d0 \uba87 \uac74\uc758 \ub51c\uc744 \uc9c4\ud589\ud558\ub294 \ub35c \uc219\ub828\ub41c \uc5d4\uc824\ub4e4\uacfc \uacbd\uc7c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uace0\uc758 \ud22c\uc790\uc790\ub4e4\uc740 A16Z, Sequoia \ub610\ub294 Greylock\uc5d0\uc11c \ud6c4\uae30 \ub2e8\uacc4\uc758 \uac70\ub798\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n \ucd08\uae30 \ub2e8\uacc4\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc744 \uace0\ub824\ud560 \ub54c \uc2b9\uc790\ub97c \uace0\ub974\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc798\ubabb\ub41c \ud22c\uc790\ub97c \ud53c\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ucd5c\uc18c 50\uac1c \uc774\uc0c1\uc758 \ud22c\uc790\ub85c \uad6c\uc131\ub41c \ub9e4\uc6b0 \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uacb0\ud569\ud558\uba74 \ud070 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc800\ub294 \uc774 \uc790\uc0b0\uad70\uc5d0\uc11c \uc9c0\ub09c 19\ub144\uac04 6.3\ubc30\uc758 \ubc30\uc218\ub85c \ud3c9\uade0 70%\uc758 IRR\uc744 \uae30\ub85d\ud588\ub294\ub370, \ubb3c\ub860 \uc544\uc8fc \uc791\uc740 \uc790\uc0b0\uc73c\ub85c \uc2dc\uc791\ud588\uc9c0\ub9cc\uc694. \uc2dc\uac04\uacfc \ud68c\uc0ac \uc218 \uce21\uba74\uc5d0\uc11c \ub2e4\uc591\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. 2~3\ub144\uc5d0 \uac78\uccd0 \ud22c\uc790\ud558\uc138\uc694. \uac70\ub798 \ud750\ub984\uc774 \uc5c6\ub294 \uacbd\uc6b0 \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \ub178\ucd9c\ub418\ub294 \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 \ud380\ub354\uc2a4\ud074\ub7fd\uc758 \ud380\ub4dc\uc640 \uac19\uc740 \uc5ec\ub7ec \ud68c\uc0ac \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uac1c\ubcc4 \uac70\ub798\uc5d0 \ud22c\uc790\ud560 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \ud380\ub4dc\ubcf4\ub2e4 \uac1c\ubcc4 \uac70\ub798\uc5d0 \ud22c\uc790\ud558\ub294 \uae08\uc561\uc774 \ud6e8\uc52c \uc801\uc744 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c \uc774\ub7ec\ud55c \ud380\ub4dc\ub294 \uc804\ud1b5\uc801\uc778 \ud380\ub4dc\uac00 \uc544\ub2c8\ub77c\ub294 \uc810\uc5d0 \uc720\uc758\ud558\uc138\uc694. \uc120\ubd88 \uce90\ud53c\ud0c8 \ucf5c\uc740 \ub2e8 \ud55c \ubc88\ubfd0\uc774\uba70, \ube44\ub840 \ubc30\ubd84\uc73c\ub85c \ub3c8\uc744 \ubcf4\uad00\ud558\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \uc790\uae08\uc774 \ubd80\uc871\ud558\uba74 \ub2e4\ub978 \ud380\ub4dc\ub97c \uc870\uc131\ud569\ub2c8\ub2e4. \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \uacbd\uc6b0 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \ube44\uc911\uc744 \uac00\uc838\ub2e4\uac00 2~3\ub144 \uc815\ub3c4\uc5d0 \uac78\uccd0 \uc5ec\ub7ec \ud380\ub4dc\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uc5ec \uc5ec\ub7ec \ud380\ub4dc\uc5d0 \ub178\ucd9c\ub418\ub3c4\ub85d \ud569\ub2c8\ub2e4.\n II\ub294 \ub610\ud55c \uc5d0\uc5b4\ube44\uc564\ube44\uc640 \uac19\uc740 \uba87\uba87 \ud504\ub9ac IPO \uae30\uc5c5\uc5d0 \ub354 \uc801\uc740 \uae08\uc561\uc744 \uc9d1\uc911\uc801\uc73c\ub85c \ud22c\uc790\ud560 \uac83\uc785\ub2c8\ub2e4. 10\ubc30\ub97c \ubc8c \uc218\ub294 \uc5c6\uc9c0\ub9cc \uba87 \ub144 \uc548\uc5d0 1.5~3\ubc30\ub97c \ubc8c\uace0 \ub192\uc740 IRR\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc218\uc2ed\uc5b5 \ub2ec\ub7ec\uc758 \uae30\uc5c5 \uac00\uce58\ub97c \uc778\uc815\ubc1b\ub294 \ucd08\uae30 \ub2e8\uacc4\uc758 &#8216;\ud22c\uae30\uc131 \uc720\ub2c8\ucf58&#8217;\uc774 \uc544\ub2c8\ub77c, \uae30\uc5c5\uacf5\uac1c\ub85c \uac00\ub294 \uc720\ud6a8\ud55c \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc744 \uac00\uc9c4 \uae30\uc874 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5d0\uc5b4\ube44\uc564\ube44\ub294 \ud604\uc7ac \uadf8 \uac00\uc7a5 \uc88b\uc740 \uc608\uc785\ub2c8\ub2e4.\n \uc21c\uc790\uc0b0\uc758 20~30% \uc815\ub3c4\ub294 \ud604\uae08\uc73c\ub85c \ubcf4\uc720\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc740\ud589\uac00\ub4e4\uc740 \uc6b0\ub9ac\uac00 \ub3c8\uc744 \ud14c\uc774\ube14 \uc704\uc5d0 \uc62c\ub824\ub193\ub294\ub2e4\uace0 \uc0dd\uac01\ud558\uae30 \ub54c\ubb38\uc5d0 \uc774\ub97c \uc2eb\uc5b4\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc800\uae08\ub9ac \ud658\uacbd\uc5d0\uc11c \uc218\uc775\ub960\uc744 \ucad3\ub294 \uac83\uc740 \ub9c8\uce58 \uc2a4\ud300 \ub864\ub7ec \uc55e\uc5d0\uc11c \ub3d9\uc804\uc744 \uc90d\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \ub0ae\uc740 \uc218\uc775\ub960\uacfc \uc778\ud50c\ub808\uc774\uc158\uc744 \uace0\ub824\ud560 \ub54c \ud604\uae08\uc744 \ubcf4\uc720\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4. \uae30\ud68c\ube44\uc6a9\uc774 \ub9e4\uc6b0 \ub0ae\uace0 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uc591\uc9c8\uc758 \uc790\uc0b0\uc744 \ud070 \ud3ed\uc73c\ub85c \ud560\uc778\ub41c \uac00\uaca9\uc5d0 \ub9e4\uc785\ud558\uc5ec \uace0\uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\ub294 \ub180\ub77c\uc6b4 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \uc791\uc5c5\uc744 \uc218\ud589\ud558\ub824\uba74 \ubc18\ub300\ub418\ub294 \uae30\uc9c8\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc0ac\ub78c\ub4e4\uc774 \ub450\ub824\uc6cc\ud558\uace0 \uc138\uc0c1\uc774 \ub05d\ub0a0 \uac83 \uac19\uc744 \ub54c \uae30\uaebc\uc774 \uad6c\ub9e4\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \ud604\uae08\uc758 \uc77c\ubd80\ub97c \ub2e4\uc74c \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc704\ud55c \uc885\uc790 \uc790\uae08\uc73c\ub85c \uc0ac\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \ucc98\uc74c 50\ub9cc~100\ub9cc \ub2ec\ub7ec\ub294 \uac00\uc7a5 \ube44\uc2f8\uace0 \ud76c\uc11d\ud560 \uc218 \uc788\ub294 \uc790\ubcf8\uae08\uc785\ub2c8\ub2e4. \uc778\uc0c1\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\ub2e4\uba74 \ub354\ud560 \ub098\uc704 \uc5c6\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc544\uc774\ub514\uc5b4 \ucc3d\ucd9c \uacfc\uc815\uacfc \uc2a4\ud0c0\ud2b8\uc5c5 \uc2e4\ud589\uc5d0 \uc788\uc5b4\uc11c\ub294 \uc5ec\uc804\ud788 \ubd80\uc9c0\ub7f0\ud788 \ub178\ub825\ud574\uc57c \ud569\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc800\ub294 \ub2e4\uc74c \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc2dc\uc791\ud560 \ub54c 10% \uc774\uc0c1\uc758 \uc704\ud5d8\uc744 \uac10\uc218\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n \uc608\ub97c \ub4e4\uc5b4, \ubc29\uae08 1,000\ub9cc \ub2ec\ub7ec\uc758 \uc21c\uc774\uc775\uc744 \uc62c\ub838\uace0 \ub0b4 \uc9d1\uc744 \uc18c\uc720\ud558\uace0 \uc2f6\uace0 \uc55e\uc11c \uc5b8\uae09\ud55c \uc804\ub7b5\uc744 \ub530\ub790\ub2e4\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \ubc30\ud3ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:\n 400\ub9cc \ub2ec\ub7ec\uc9dc\ub9ac \uc544\ud30c\ud2b8 \uad6c\uc785\n 400\ub9cc \ub2ec\ub7ec \uc911 300\ub9cc \ub2ec\ub7ec\ub97c 30\ub144 \ub3d9\uc548 3.5%\uc758 \uc774\uc790\ub85c \ube4c\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n \uc774\uc790 \uc9c0\uae09\uc561\uc744 \uc138\uae08\uc5d0\uc11c \uacf5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n \uc774\uc81c \ud604\uae08 900\ub9cc \ub2ec\ub7ec\uac00 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4.\n \uc18c\ub4dd\uc744 \ucc3d\ucd9c\ud558\ub294 \ubd80\ub3d9\uc0b0\uc5d0 250\ub9cc \ub2ec\ub7ec \ud22c\uc790\ud558\uae30\n \uc774\uac83\uc740 &#8220;\uc548\uc804\ud55c&#8221; \ud22c\uc790\uc774\uba70 \uc5ec\ub7ec \uc9c0\uc5ed\uc758 \uc5ec\ub7ec \ubd80\ub3d9\uc0b0\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.\n \ub294 \ud604\uae08\uc744 \ucc3d\ucd9c\ud558\uae30 \uc704\ud55c \uac83\uc785\ub2c8\ub2e4. \ubaa9\ud45c\ud558\ub294 \uc21c \ucea1\ub960\uc740 6~13%\uc774\uba70 \ud6a8\uacfc\uc801\uc778 \ub2e8\uae30 \ub80c\ud0c8 \uc804\ub7b5\uc73c\ub85c 25%\uae4c\uc9c0 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n \uc774\uc81c \ud604\uae08 650\ub9cc \ub2ec\ub7ec\uac00 \uc788\uc2b5\ub2c8\ub2e4.\n \ucd08\uae30 \ub2e8\uacc4 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 250\ub9cc \ub2ec\ub7ec \ud22c\uc790\n \ucd5c\uc18c 50\uac1c \uc774\uc0c1\uc758 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ud22c\uc790\ud574\uc57c \uc131\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n \uc774\ub807\uac8c \ud558\uba74 \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 \ud380\ub354\uc2a4\ud074\ub7fd\uacfc \uac19\uc740 \uc5ec\ub7ec \ud68c\uc0ac\uc758 \ud380\ub4dc\ub97c \ud6c4\uc6d0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.\n \uc800\ub294 \uc544\ub9c8\ub3c4 \ud380\ub4dc\ub2f9 50\ub9cc \ub2ec\ub7ec\ub97c \ud22c\uc790\ud560 \uac83\uc785\ub2c8\ub2e4.\n \ub610\ud55c \ud655\uc2e0\uc744 \uac00\uc9c0\uace0 \uc788\ub294 \uce5c\uad6c\uc758 \uba4b\uc9c4 \uac70\ub798\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.\n \uc774\uc81c 400\ub9cc \ub2ec\ub7ec\uc758 \ud604\uae08\uc774 \uc0dd\uacbc\uc2b5\ub2c8\ub2e4. \ud22c\uc790\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc774\ub8e8\uc5b4\uc9c0\uc9c0\ub9cc \uccab \uc218\ud45c\uac00 50\ub9cc 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