{"id":57,"date":"2024-10-24T03:01:34","date_gmt":"2024-10-24T03:01:34","guid":{"rendered":"https:\/\/lensgirls.co.kr\/?p=57"},"modified":"2024-10-24T03:01:35","modified_gmt":"2024-10-24T03:01:35","slug":"isa-%ea%b3%84%ec%a2%8c-%ea%b0%9c%ec%84%a4-%ec%9d%b4%eb%b2%a4%ed%8a%b8%ec%99%80-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0-%ec%a0%88%ec%84%b8-%ed%98%9c%ed%83%9d%ea%b9%8c%ec%a7%80-%ec%9e%a1%eb%8a%94","status":"publish","type":"post","link":"https:\/\/lensgirls.co.kr\/?p=57","title":{"rendered":"ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8\uc640 \uc5f0\ub9d0\uc815\uc0b0: \uc808\uc138 \ud61c\ud0dd\uae4c\uc9c0 \uc7a1\ub294 \ubc29\ubc95"},"content":{"rendered":"\n

ISA(Individual Savings Account)\ub294 \uac1c\uc778\uc758 \ubaa9\ub3c8 \ub9c8\ub828\uacfc \uc808\uc138\ub97c \ub3d5\uae30 \uc704\ud55c \ud2b9\ubcc4\ud55c \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. \uc815\ubd80\uac00 \uc9c0\uc815\ud55c \uc870\uac74\uc5d0 \ub9de\ucdb0 \uac00\uc785\uc790\uc5d0\uac8c \ub2e4\uc591\ud55c \uc138\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0 \uc694\uc998 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uad00\uc2ec\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc\uc98c\uc774 \ub2e4\uac00\uc62c\uc218\ub85d ISA\ub97c \ud65c\uc6a9\ud55c \uc808\uc138 \uc804\ub7b5\uc774 \ud070 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8\uc640 \uc5f0\ub9d0\uc815\uc0b0 \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uae4a\uc774 \uc788\uac8c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

https:\/\/www.bbc.com\/search?q=ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8<\/a><\/p>\n\n\n\n

ISA \uacc4\uc88c\ub294 \uad6d\ub0b4\uc758 \uae08\uc735\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ube44\uacfc\uc138 \ubc0f \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc774 \uc8fc\uc5b4\uc9c0\ub294 \ub9cc\ub2a5\ud1b5\uc7a5\uc785\ub2c8\ub2e4. \uc740\ud589, \uc99d\uad8c\uc0ac, \ubcf4\ud5d8\uc0ac \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uae30\uad00\uc5d0\uc11c \uac00\uc785\uc774 \uac00\ub2a5\ud558\uba70, \uc608\uae08, \ud380\ub4dc, \uc8fc\uc2dd \ub4f1 \uc5ec\ub7ec \uc790\uc0b0\uc744 \ud1b5\ud569\uc801\uc73c\ub85c \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \uc810\uc774 \ud2b9\uc9d5\uc785\ub2c8\ub2e4. \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790, \ubc30\ub2f9, \ub9e4\ub9e4 \ucc28\uc775\uc758 \uc77c\uc815 \ubd80\ubd84\uc774 \ube44\uacfc\uc138\ub418\uac70\ub098 \ub0ae\uc740 \uc138\uc728\ub85c \uacfc\uc138\ub418\uae30 \ub54c\ubb38\uc5d0 \uc808\uc138\uc5d0 \ud0c1\uc6d4\ud55c \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
ISA\ub294 \ud2b9\ud788 \uc138\uc561\uacf5\uc81c\uc640 \ub354\ubd88\uc5b4 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \ud070 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc8fc\ucd5c\ud558\ub294 \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \uc798 \ud65c\uc6a9\ud558\uba74 \ub354\uc6b1 \uc720\ub9ac\ud558\uac8c \uc808\uc138 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

ISA \uacc4\uc88c\ub294 \ud06c\uac8c \uc77c\ubc18\ud615\uacfc \uc11c\ubbfc\ud615\uc73c\ub85c \ub098\ub258\uba70, \uc774 \ub450 \uac00\uc9c0 \uc720\ud615\uc740 \uac01\uac01 \uc138\uc81c \ud61c\ud0dd\uc758 \ubc94\uc704\uc640 \uc870\uac74\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc62c\ubc14\ub978 \uc120\ud0dd\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc7ac\uc815\uc801 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uace0, \uc790\uc0b0\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc99d\uc2dd\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc77c\ubc18\ud615 ISA\ub294 \uc77c\ubc18 \uadfc\ub85c\uc790\ub098 \uc790\uc601\uc5c5\uc790\uac00 \uac00\uc785\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\uc785\ub2c8\ub2e4. \uc774 \uacc4\uc88c\ub294 \uacc4\uc88c \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc18c\ub4dd \uc911 \uc77c\uc815 \uae08\uc561\uc5d0 \ub300\ud574 9.9%\uc758 \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc989, \uc77c\ubc18\ud615 ISA\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub294 \uc774\uc790\uc640 \ubc30\ub2f9\uc18c\ub4dd\uc744 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc138\uc728\ub85c \uacfc\uc138\ubc1b\uac8c \ub418\uba70, \uc774\ub7ec\ud55c \uc138\uc81c \ud61c\ud0dd\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ub204\uc801\ub41c \uc790\uc0b0\uc758 \uc131\uc7a5\uc744 \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uc77c\ubc18\ud615 ISA\ub294 \ub610\ud55c \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc720\uc5f0\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc \ub4f1 \uc5ec\ub7ec \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\uc5b4, \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \uc11c\ubbfc\ud615 ISA\ub294 \uc800\uc18c\ub4dd \uadfc\ub85c\uc790\ub098 \uccad\ub144\uc774 \uac00\uc785\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\ub85c, \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc8fc\uc5b4\uc9d1\ub2c8\ub2e4. \uc774 \uacc4\uc88c\ub294 \uc870\uac74\uc5d0 \ub530\ub77c \ucd5c\ub300 400\ub9cc \uc6d0\uae4c\uc9c0 \uc18c\ub4dd \ube44\uacfc\uc138\uac00 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc5d0\uc11c \ud070 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc18c\ub4dd\uc744 \uac00\uc9c4 \uace0\uac1d\uc5d0\uac8c\ub294 \uc774\ub7ec\ud55c \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc0c1\ub2f9\ud55c \uc7ac\uc815\uc801 \uc774\uc810\uc744 \uc81c\uacf5\ud558\uac8c \ub429\ub2c8\ub2e4. \uc11c\ubbfc\ud615 ISA\ub294 \ud2b9\ud788 \uc7ac\uc815\uc801\uc73c\ub85c \uc5ec\uc720\uac00 \uc5c6\ub294 \uace0\uac1d\uc774 \uc790\uc0b0\uc744 \ud615\uc131\ud558\ub294 \ub370 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc81c\uacf5\ud558\uba70, \uc800\ucd95\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacc4\uc88c\ub294 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \uc790\uc0b0\uc744 \uc548\uc815\uc801\uc73c\ub85c \ubd88\ub824 \ub098\uac00\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, 2023\ub144\ubd80\ud130 \uc2dc\uc791\ub41c ISA \uc911\uac1c\ud615 \uacc4\uc88c\ub97c \ud1b5\ud574 \uc8fc\uc2dd \uac70\ub798\uac00 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uace0\uac1d\uc740 \ub2e8\uc21c\ud55c \uc608\u00b7\uc801\uae08\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc8fc\uc2dd\uacfc \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uc5ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc911\uac1c\ud615 ISA \uacc4\uc88c\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub354 \ub9ce\uc740 \uc120\ud0dd\uad8c\uc744 \uc81c\uacf5\ud558\uba70, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\uc5f0\uc131 \ub355\ubd84\uc5d0 \ud22c\uc790\uc790\ub294 \ubcf4\ub2e4 \ub2e4\uc591\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc218\uc775\uc131\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c0\uac8c \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \uc0c1\uc2b9\uc138\uc77c \ub54c\ub294 \uc8fc\uc2dd \ube44\uc911\uc744 \ub298\ub9ac\uace0, \ud558\ub77d\uc138\uc77c \ub54c\ub294 \uc548\uc804 \uc790\uc0b0\uc73c\ub85c \uc790\uc0b0\uc744 \uc774\ub3d9\uc2dc\ud0a4\ub294 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.ISA \uacc4\uc88c\uc758 \uc885\ub958\uc640 \ud2b9\uc9d5\uc744 \uc798 \uc774\ud574\ud558\uace0, \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uacfc \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uac01 \uacc4\uc88c\uc758 \uc138\uc81c \ud61c\ud0dd\uacfc \ud22c\uc790 \uac00\ub2a5\uc131\uc744 \uace0\ub824\ud558\uc5ec \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud558\uac8c \ub41c\ub2e4\uba74, \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\uace0 \uc99d\uc2dd\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \uc7ac\uc815\uc801 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\uace0, ISA \uacc4\uc88c\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc774\uace0 \uc804\ub7b5\uc801\uc778 \uc7ac\uc815 \uad00\ub9ac\ub97c \ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc\uc740 \uad81\uadf9\uc801\uc73c\ub85c \uc7ac\uc815\uc801 \uc790\uc720\ub97c \ub204\ub9ac\uace0, \uc548\uc815\uc801\uc778 \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

ISA \uacc4\uc88c\uc758 \uc778\uae30 \uc0c1\uc2b9\uc5d0 \ub9de\ucdb0 \uc740\ud589\uacfc \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \uc2e0\uaddc \uac00\uc785\uc790\ub97c \uc720\uce58\ud558\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74 ISA\uc758 \uae30\ubcf8\uc801\uc778 \uc138\uc81c \ud61c\ud0dd \uc678\uc5d0\ub3c4 \ucd94\uac00\uc801\uc778 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub97c \uc798 \ud30c\uc545\ud558\uace0 \ube44\uad50\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uae08\uc735\uc0ac\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uba3c\uc800, \ud604\uae08 \ub9ac\uc6cc\ub4dc\ub294 ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8<\/a> \uc5d0\uc11c \ub9e4\uc6b0 \ud754\ud558\uac8c \uc81c\uacf5\ub418\ub294 \ud61c\ud0dd \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc744 \uc608\uce58\ud558\uac70\ub098 \uc77c\uc815 \uae30\uac04 \uc774\uc0c1 \uacc4\uc88c\ub97c \uc720\uc9c0\ud560 \uacbd\uc6b0, \ud604\uae08 \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \ub9ac\uc6cc\ub4dc\ub294 \uace0\uac1d\uc774 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \ucd08\uae30 \ud22c\uc790 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \ucd94\uac00\uc801\uc778 \uc790\uae08\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc740\ud589\uc5d0\uc11c\ub294 100\ub9cc \uc6d0 \uc774\uc0c1 \uc608\uce58 \uc2dc 5\ub9cc \uc6d0\uc758 \ud604\uae08\uc744 \uc81c\uacf5\ud558\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \uc9c4\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \ud1b5\ud574 \uace0\uac1d\uc740 \ucd08\uae30 \ud22c\uc790 \ubd80\ub2f4\uc744 \ub35c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc0c1\ud488\uad8c \uc99d\uc815 \uc774\ubca4\ud2b8\ub3c4 \ub9ce\uc774 \uc9c4\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacc4\uc88c \uac1c\uc124\uacfc \ub3d9\uc2dc\uc5d0 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc758 \uac70\ub798\ub97c \uc218\ud589\ud558\uba74 \uc0c1\ud488\uad8c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud488\uad8c\uc740 \ub2e4\uc591\ud55c \uac00\ub9f9\uc810\uc5d0\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc5b4 \uc2e4\uc9c8\uc801\uc778 \uc18c\ube44 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \uc2e0\uaddc \uac00\uc785 \ud6c4 \uccab \uac70\ub798\ub97c \uc9c4\ud589\ud55c \uace0\uac1d\uc5d0\uac8c 10\ub9cc \uc6d0 \uc0c1\ub2f9\uc758 \uc0c1\ud488\uad8c\uc744 \uc99d\uc815\ud558\ub294 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc720\uc778\uc744 \uc81c\uacf5\ud558\uc5ec \uacc4\uc88c \uac1c\uc124\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\ub3c4 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 ISA \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc218\uc218\ub8cc\ub97c \uc77c\uc815 \uae30\uac04 \uba74\uc81c\ud574\uc8fc\ub294 \uc774\ubca4\ud2b8\ub97c \uc885\uc885 \uc5f4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ud61c\ud0dd\uc740 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub294 \uc88b\uc740 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc99d\uad8c\uc0ac\ub294 \uc2e0\uaddc \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \uccab 1\ub144 \ub3d9\uc548 \ubaa8\ub4e0 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574\uc8fc\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \ubcf4\ub2e4 \ub9ce\uc740 \uac70\ub798\ub97c \uc790\uc720\ub86d\uac8c \ud560 \uc218 \uc788\uac8c \ud574 \uc8fc\uba70, \uc218\uc775\uc131\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uae08\ub9ac \uc6b0\ub300 \ud61c\ud0dd\ub3c4 \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc5d0\uc11c\ub294 \ud2b9\uc815 \uae30\uac04 \ub3d9\uc548 \uace0\uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc73c\uba70, \uc774\ub294 \uace0\uac1d\uc774 \uc608\uce58\ud55c \uc790\uc0b0\uc5d0\uc11c \ub354 \ub192\uc740 \uc774\uc790\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\ubd80 \uc740\ud589\uc5d0\uc11c\ub294 \uc2e0\uaddc ISA \uacc4\uc88c \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \uccab 6\uac1c\uc6d4 \ub3d9\uc548 \uae30\ubcf8 \uae08\ub9ac\ubcf4\ub2e4 0.5% \ud3ec\uc778\ud2b8 \ub192\uc740 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \uc9c4\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae08\ub9ac \uc6b0\ub300\ub294 \uace0\uac1d\uc5d0\uac8c \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

ISA \uacc4\uc88c\ub294 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c\ub3c4 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uba70, \uac00\uc785\uc790\uac00 \uc81c\uacf5\ub418\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc138\uc561\uacf5\uc81c\uc640 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubaa8\ub450 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uba3c\uc800, ISA \uacc4\uc88c\uc758 \ube44\uacfc\uc138 \ubc0f \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790\uc640 \ubc30\ub2f9 \uc18c\ub4dd \uc911 \ucd5c\ub300 200\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc11c\ubbfc\ud615 ISA\uc758 \uacbd\uc6b0, \uc774 \ube44\uacfc\uc138 \ud55c\ub3c4\uac00 \ucd5c\ub300 400\ub9cc \uc6d0\uc73c\ub85c \ud655\ub300\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube44\uacfc\uc138 \ud61c\ud0dd\uc740 \ud22c\uc790\uc790\uac00 \uc5bb\ub294 \uc18c\ub4dd\uc5d0 \ub300\ud574 \uc138\uae08\uc744 \ubd80\uacfc\ubc1b\uc9c0 \uc54a\uac8c \ud574 \uc8fc\ubbc0\ub85c, \uc790\uc0b0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc99d\uc2dd\ud558\ub294 \ub370 \ud070 \uc7a5\uc810\uc774 \ub429\ub2c8\ub2e4. \ub9cc\uc57d \uc774 \uae08\uc561\uc744 \ucd08\uacfc\ud55c \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4, \uc77c\ubc18 \uc138\uc728\uc774 \uc544\ub2cc 9.9%\uc758 \ubd84\ub9ac\uacfc\uc138\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub294 \uace0\uc18c\ub4dd\uc790\uc5d0\uac8c\ub3c4 \uc720\ub9ac\ud55c \uc808\uc138 \ubc29\uc548\uc774 \ub420 \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \uae08\uc735 \uc790\uc0b0\uc758 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud558\uace0\uc790 \ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc870\uac74\uc785\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc5f0 2,000\ub9cc \uc6d0 \uc774\ud558\uc758 \uc18c\ub4dd\uc790\ub098 \uccad\ub144, \uc790\uc601\uc5c5\uc790\ub294 \uc11c\ubbfc\ud615 ISA\ub97c \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc11c\ubbfc\ud615 ISA\uc5d0 \uacc4\uc88c\uc5d0 \ub0a9\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud574 \uc77c\uc815 \ube44\uc728\uc758 \uc138\uc561\uc744 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \uc138\ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub0a9\uc785\ud55c \uae08\uc561\uc758 16.5%\ub97c \uc138\uc561\uacf5\uc81c\ub85c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc0c1\ub2f9\ud55c \uae08\uc561\uc758 \uc138\uae08 \uc808\uac10 \ud6a8\uacfc\ub97c \uac00\uc838\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc11c\ubbfc\ud615 ISA\ub294 \uc800\uc18c\ub4dd\uce35\uc774\ub098 \uccad\ub144\uce35\uc5d0\uac8c \ub354\uc6b1 \uc720\ub9ac\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, ISA \uacc4\uc88c\uc640 \ub2e4\ub978 \uc808\uc138 \uc0c1\ud488\uc758 \uc5f0\uacc4\ub97c \ud1b5\ud574 \ub354\uc6b1 \ud070 \uc138\uc81c \ud61c\ud0dd\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c \uc678\uc5d0\ub3c4 \uc5f0\uae08\uc800\ucd95, IRP(Individual Retirement Pension)\uc640 \uac19\uc740 \uc808\uc138 \uc0c1\ud488\uc744 \ud568\uaed8 \ud65c\uc6a9\ud558\uba74, \uc138\uc561\uacf5\uc81c\uc758 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud55c \uc790\uae08\uc740 ISA\uc5d0 \uc608\uce58\ud568\uc73c\ub85c\uc368 \ucd94\uac00\uc801\uc778 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP\uc5d0 \ub300\ud55c \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ubaa8\ub450 \uc18c\uc9c4\ud55c \ud6c4\uc5d0\ub3c4 ISA \uacc4\uc88c\ub97c \ud1b5\ud574 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uacc4\ud68d\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \uace0\uac1d\uc774 \uc138\uae08\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0, \uc790\uc0b0\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc99d\uc2dd\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ub2e4\uc74c\uc740 ISA \uacc4\uc88c\ub97c \ud1b5\ud574 \uc5f0\ub9d0\uc815\uc0b0 \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ub204\ub9b0 \uc0ac\ub840\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 ISA \uacc4\uc88c\uac00 \uc5b4\ub5bb\uac8c \uc808\uc138\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.\uae40\uc528\ub294 \uc5f0\ubd09 5,000\ub9cc \uc6d0\uc758 \uc9c1\uc7a5\uc778\uc785\ub2c8\ub2e4. \uadf8\ub294 11\uc6d4\uc5d0 \uc740\ud589\uc758 ISA \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \ud1b5\ud574 \uacc4\uc88c\ub97c \uc5f4\uace0 300\ub9cc \uc6d0\uc744 \uc608\uce58\ud588\uc2b5\ub2c8\ub2e4. \uae40\uc528\ub294 ISA \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790 \uc18c\ub4dd\uc5d0 \ub300\ud574 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uc54c\uace0 \uc788\uc5c8\uae30 \ub54c\ubb38\uc5d0, \uc774 \uacc4\uc88c\ub97c \uc120\ud0dd\ud55c \uac83\uc785\ub2c8\ub2e4. \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uae40\uc528\ub294 \uc774\uc790 \uc18c\ub4dd\uc5d0 \ub300\ud574 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \uc801\uc6a9\ubc1b\uc544 \uc57d 27\ub9cc \uc6d0\uc758 \uc138\uae08\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uae40\uc528\ub294 ISA \uacc4\uc88c\ub97c \ud65c\uc6a9\ud558\uc5ec \uc138\ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ub3d9\uc2dc\uc5d0, \uc790\uc0b0\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc99d\uc2dd\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc ISA \uacc4\uc88c\ub294 \uc9c1\uc7a5\uc778\uc5d0\uac8c\ub3c4 \uc720\uc6a9\ud55c \uc808\uc138 \ub3c4\uad6c\uac00 \ub420 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.\ub610 \ub2e4\ub978 \uc0ac\ub840\ub85c \ubc15\uc528\ub294 \ub9cc 30\uc138\uc758 \uccad\ub144\uc73c\ub85c, \uc18c\ub4dd\uc774 \uc801\uc5b4 \uc11c\ubbfc\ud615 ISA\uc5d0 \uac00\uc785\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ub9e4\uc6d4 50\ub9cc \uc6d0\uc529 \uc608\uce58\ud558\uba70 \uc5f0 600\ub9cc \uc6d0\uc758 \ub0a9\uc785\uc744 \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \ubc15\uc528\ub294 \uc11c\ubbfc\ud615 ISA\uc758 \ube44\uacfc\uc138 \ud61c\ud0dd\uacfc \ud568\uaed8 \uc138\uc561\uacf5\uc81c\ub97c \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \uc808\uc138 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uc798 \uc54c\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \ubc15\uc528\ub294 \ub0a9\uc785\ud55c \uae08\uc561\uc758 \uc77c\uc815 \ube44\uc728\uc774 \uc138\uc561\uacf5\uc81c\ub85c \ud658\uae09\ub418\uc5b4 \uc57d 60\ub9cc \uc6d0\uc758 \uc808\uc138 \ud6a8\uacfc\ub97c \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd \ub355\ubd84\uc5d0 \ubc15\uc528\ub294 \uc7ac\uc815\uc801\uc73c\ub85c \ub354 \ub098\uc740 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc5c8\uace0, \uc7a5\uae30\uc801\uc778 \uc800\ucd95\uacfc \ud22c\uc790\uc5d0 \ub300\ud55c \uc790\uc2e0\uac10\uc744 \uc5bb\uc5c8\uc2b5\ub2c8\ub2e4.\uc774 \ub450 \uc0ac\ub840\ub97c \ud1b5\ud574 \uc6b0\ub9ac\ub294 ISA \uacc4\uc88c\uac00 \ub2e4\uc591\ud55c \uc18c\ub4dd \uc218\uc900\uc758 \uac1c\uc778\uc5d0\uac8c \uc5b4\ub5bb\uac8c \uc808\uc138\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae40\uc528\uc640 \ubc15\uc528 \ubaa8\ub450 ISA \uacc4\uc88c\ub97c \ud65c\uc6a9\ud558\uc5ec \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\uace0, \uc7ac\uc815\uc801 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c ISA \uacc4\uc88c\ub294 \uac1c\uc778\uc758 \uc7ac\uc815 \uacc4\ud68d\uc5d0\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 ISA \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\uace0, \uc81c\uacf5\ub418\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3c4\ubaa8\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

ISA \uacc4\uc88c\ub294 \ub2e8\uc21c\ud55c \uae08\uc735\uc0c1\ud488\uc774 \uc544\ub2c8\ub77c \ubaa9\ub3c8 \ub9c8\ub828\uacfc \uc808\uc138\ub97c \ub3d9\uc2dc\uc5d0 \uc2e4\ud604\ud560 \uc218 \uc788\ub294 \uac15\ub825\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc\uc98c\uc5d0 \ub9de\ucdb0 ISA \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \uc6b4\uc6a9\ud558\uba74 \ube44\uacfc\uc138\uc640 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubaa8\ub450 \ub204\ub9b4 \uc218 \uc788\uc5b4 \uc138\ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ub354\ubd88\uc5b4, \uc740\ud589\uacfc \uc99d\uad8c\uc0ac\uc758 \ub2e4\uc591\ud55c \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \ud65c\uc6a9\ud558\uba74 \ucd08\uae30 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \ucd94\uac00 \ud61c\ud0dd\uae4c\uc9c0 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 ISA \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uacc4\ud68d\uc744 \uc138\uc6cc \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\uc808\uc138\ub97c \uc704\ud55c ISA\uc640 \uc5f0\ub9d0\uc815\uc0b0\uc758 \uc2dc\ub108\uc9c0\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud574 \ubcf4\uc138\uc694. \uc774\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \ud48d\uc694\ub85c\uc6b4 \uc7ac\uc815 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ud604\uba85\ud55c \ud22c\uc790\uc790\uac00 \ub420 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

ISA(Individual Savings Account)\ub294 \uac1c\uc778\uc758 \ubaa9\ub3c8 \ub9c8\ub828\uacfc \uc808\uc138\ub97c \ub3d5\uae30 \uc704\ud55c \ud2b9\ubcc4\ud55c \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. \uc815\ubd80\uac00 \uc9c0\uc815\ud55c \uc870\uac74\uc5d0 \ub9de\ucdb0 \uac00\uc785\uc790\uc5d0\uac8c \ub2e4\uc591\ud55c \uc138\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0 \uc694\uc998 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uad00\uc2ec\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc\uc98c\uc774 \ub2e4\uac00\uc62c\uc218\ub85d ISA\ub97c \ud65c\uc6a9\ud55c \uc808\uc138 \uc804\ub7b5\uc774 \ud070 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8\uc640 \uc5f0\ub9d0\uc815\uc0b0 \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uae4a\uc774 \uc788\uac8c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. https:\/\/www.bbc.com\/search?q=ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8 ISA \uacc4\uc88c\ub294 \uad6d\ub0b4\uc758 \uae08\uc735\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ube44\uacfc\uc138 \ubc0f \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc774 \uc8fc\uc5b4\uc9c0\ub294 \ub9cc\ub2a5\ud1b5\uc7a5\uc785\ub2c8\ub2e4. \uc740\ud589, \uc99d\uad8c\uc0ac, \ubcf4\ud5d8\uc0ac \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uae30\uad00\uc5d0\uc11c \uac00\uc785\uc774 \uac00\ub2a5\ud558\uba70, \uc608\uae08, \ud380\ub4dc, \uc8fc\uc2dd \ub4f1 \uc5ec\ub7ec \uc790\uc0b0\uc744 \ud1b5\ud569\uc801\uc73c\ub85c \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \uc810\uc774 \ud2b9\uc9d5\uc785\ub2c8\ub2e4. \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790, \ubc30\ub2f9, \ub9e4\ub9e4 \ucc28\uc775\uc758 \uc77c\uc815 \ubd80\ubd84\uc774 \ube44\uacfc\uc138\ub418\uac70\ub098 \ub0ae\uc740 \uc138\uc728\ub85c \uacfc\uc138\ub418\uae30 \ub54c\ubb38\uc5d0 \uc808\uc138\uc5d0 \ud0c1\uc6d4\ud55c \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.ISA\ub294 \ud2b9\ud788 \uc138\uc561\uacf5\uc81c\uc640 \ub354\ubd88\uc5b4 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \ud070 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70, \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc8fc\ucd5c\ud558\ub294 \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \uc798 \ud65c\uc6a9\ud558\uba74 \ub354\uc6b1 \uc720\ub9ac\ud558\uac8c \uc808\uc138 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\ub294 \ud06c\uac8c \uc77c\ubc18\ud615\uacfc \uc11c\ubbfc\ud615\uc73c\ub85c \ub098\ub258\uba70, \uc774 \ub450 \uac00\uc9c0 \uc720\ud615\uc740 \uac01\uac01 \uc138\uc81c \ud61c\ud0dd\uc758 \ubc94\uc704\uc640 \uc870\uac74\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc62c\ubc14\ub978 \uc120\ud0dd\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc7ac\uc815\uc801 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uace0, \uc790\uc0b0\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc99d\uc2dd\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc77c\ubc18\ud615 ISA\ub294 \uc77c\ubc18 \uadfc\ub85c\uc790\ub098 \uc790\uc601\uc5c5\uc790\uac00 \uac00\uc785\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\uc785\ub2c8\ub2e4. \uc774 \uacc4\uc88c\ub294 \uacc4\uc88c \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc18c\ub4dd \uc911 \uc77c\uc815 \uae08\uc561\uc5d0 \ub300\ud574 9.9%\uc758 \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc989, \uc77c\ubc18\ud615 ISA\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub294 \uc774\uc790\uc640 \ubc30\ub2f9\uc18c\ub4dd\uc744 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc138\uc728\ub85c \uacfc\uc138\ubc1b\uac8c \ub418\uba70, \uc774\ub7ec\ud55c \uc138\uc81c \ud61c\ud0dd\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ub204\uc801\ub41c \uc790\uc0b0\uc758 \uc131\uc7a5\uc744 \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uc77c\ubc18\ud615 ISA\ub294 \ub610\ud55c \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub294 \uc720\uc5f0\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc \ub4f1 \uc5ec\ub7ec \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \uc218 \uc788\uc5b4, \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\uc591\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \uc11c\ubbfc\ud615 ISA\ub294 \uc800\uc18c\ub4dd \uadfc\ub85c\uc790\ub098 \uccad\ub144\uc774 \uac00\uc785\ud560 \uc218 \uc788\ub294 \uacc4\uc88c\ub85c, \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc8fc\uc5b4\uc9d1\ub2c8\ub2e4. \uc774 \uacc4\uc88c\ub294 \uc870\uac74\uc5d0 \ub530\ub77c \ucd5c\ub300 400\ub9cc \uc6d0\uae4c\uc9c0 \uc18c\ub4dd \ube44\uacfc\uc138\uac00 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc5d0\uc11c \ud070 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc18c\ub4dd\uc744 \uac00\uc9c4 \uace0\uac1d\uc5d0\uac8c\ub294 \uc774\ub7ec\ud55c \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc0c1\ub2f9\ud55c \uc7ac\uc815\uc801 \uc774\uc810\uc744 \uc81c\uacf5\ud558\uac8c \ub429\ub2c8\ub2e4. \uc11c\ubbfc\ud615 ISA\ub294 \ud2b9\ud788 \uc7ac\uc815\uc801\uc73c\ub85c \uc5ec\uc720\uac00 \uc5c6\ub294 \uace0\uac1d\uc774 \uc790\uc0b0\uc744 \ud615\uc131\ud558\ub294 \ub370 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc81c\uacf5\ud558\uba70, \uc800\ucd95\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacc4\uc88c\ub294 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \uc790\uc0b0\uc744 \uc548\uc815\uc801\uc73c\ub85c \ubd88\ub824 \ub098\uac00\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, 2023\ub144\ubd80\ud130 \uc2dc\uc791\ub41c ISA \uc911\uac1c\ud615 \uacc4\uc88c\ub97c \ud1b5\ud574 \uc8fc\uc2dd \uac70\ub798\uac00 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uace0\uac1d\uc740 \ub2e8\uc21c\ud55c \uc608\u00b7\uc801\uae08\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc8fc\uc2dd\uacfc \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uc5ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc911\uac1c\ud615 ISA \uacc4\uc88c\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub354 \ub9ce\uc740 \uc120\ud0dd\uad8c\uc744 \uc81c\uacf5\ud558\uba70, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\uc5f0\uc131 \ub355\ubd84\uc5d0 \ud22c\uc790\uc790\ub294 \ubcf4\ub2e4 \ub2e4\uc591\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc218\uc775\uc131\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c0\uac8c \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \uc0c1\uc2b9\uc138\uc77c \ub54c\ub294 \uc8fc\uc2dd \ube44\uc911\uc744 \ub298\ub9ac\uace0, \ud558\ub77d\uc138\uc77c \ub54c\ub294 \uc548\uc804 \uc790\uc0b0\uc73c\ub85c \uc790\uc0b0\uc744 \uc774\ub3d9\uc2dc\ud0a4\ub294 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.ISA \uacc4\uc88c\uc758 \uc885\ub958\uc640 \ud2b9\uc9d5\uc744 \uc798 \uc774\ud574\ud558\uace0, \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uacfc \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uac01 \uacc4\uc88c\uc758 \uc138\uc81c \ud61c\ud0dd\uacfc \ud22c\uc790 \uac00\ub2a5\uc131\uc744 \uace0\ub824\ud558\uc5ec \ucd5c\uc801\uc758 \uc120\ud0dd\uc744 \ud558\uac8c \ub41c\ub2e4\uba74, \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\uace0 \uc99d\uc2dd\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \uc7ac\uc815\uc801 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\uace0, ISA \uacc4\uc88c\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc774\uace0 \uc804\ub7b5\uc801\uc778 \uc7ac\uc815 \uad00\ub9ac\ub97c \ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc\uc740 \uad81\uadf9\uc801\uc73c\ub85c \uc7ac\uc815\uc801 \uc790\uc720\ub97c \ub204\ub9ac\uace0, \uc548\uc815\uc801\uc778 \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. ISA \uacc4\uc88c\uc758 \uc778\uae30 \uc0c1\uc2b9\uc5d0 \ub9de\ucdb0 \uc740\ud589\uacfc \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \uc2e0\uaddc \uac00\uc785\uc790\ub97c \uc720\uce58\ud558\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74 ISA\uc758 \uae30\ubcf8\uc801\uc778 \uc138\uc81c \ud61c\ud0dd \uc678\uc5d0\ub3c4 \ucd94\uac00\uc801\uc778 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub97c \uc798 \ud30c\uc545\ud558\uace0 \ube44\uad50\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uae08\uc735\uc0ac\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uba3c\uc800, \ud604\uae08 \ub9ac\uc6cc\ub4dc\ub294 ISA \uacc4\uc88c \uac1c\uc124 \uc774\ubca4\ud2b8 \uc5d0\uc11c \ub9e4\uc6b0 \ud754\ud558\uac8c \uc81c\uacf5\ub418\ub294 \ud61c\ud0dd \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc744 \uc608\uce58\ud558\uac70\ub098 \uc77c\uc815 \uae30\uac04 \uc774\uc0c1 \uacc4\uc88c\ub97c \uc720\uc9c0\ud560 \uacbd\uc6b0, \ud604\uae08 \ub9ac\uc6cc\ub4dc\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \ub9ac\uc6cc\ub4dc\ub294 \uace0\uac1d\uc774 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \ucd08\uae30 \ud22c\uc790 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \ucd94\uac00\uc801\uc778 \uc790\uae08\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc740\ud589\uc5d0\uc11c\ub294 100\ub9cc \uc6d0 \uc774\uc0c1 \uc608\uce58 \uc2dc 5\ub9cc \uc6d0\uc758 \ud604\uae08\uc744 \uc81c\uacf5\ud558\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \uc9c4\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \ud1b5\ud574 \uace0\uac1d\uc740 \ucd08\uae30 \ud22c\uc790 \ubd80\ub2f4\uc744 \ub35c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc0c1\ud488\uad8c \uc99d\uc815 \uc774\ubca4\ud2b8\ub3c4 \ub9ce\uc774 \uc9c4\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacc4\uc88c \uac1c\uc124\uacfc \ub3d9\uc2dc\uc5d0 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc758 \uac70\ub798\ub97c \uc218\ud589\ud558\uba74 \uc0c1\ud488\uad8c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud488\uad8c\uc740 \ub2e4\uc591\ud55c \uac00\ub9f9\uc810\uc5d0\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc5b4 \uc2e4\uc9c8\uc801\uc778 \uc18c\ube44 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 \uc2e0\uaddc \uac00\uc785 \ud6c4 \uccab \uac70\ub798\ub97c \uc9c4\ud589\ud55c \uace0\uac1d\uc5d0\uac8c 10\ub9cc \uc6d0 \uc0c1\ub2f9\uc758 \uc0c1\ud488\uad8c\uc744 \uc99d\uc815\ud558\ub294 \uc774\ubca4\ud2b8\ub97c \uc9c4\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc720\uc778\uc744 \uc81c\uacf5\ud558\uc5ec \uacc4\uc88c \uac1c\uc124\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc218\uc218\ub8cc \uba74\uc81c \ud61c\ud0dd\ub3c4 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc99d\uad8c\uc0ac\uc5d0\uc11c\ub294 ISA \uacc4\uc88c\uc758 \uc6b4\uc6a9 \uc218\uc218\ub8cc\ub97c \uc77c\uc815 \uae30\uac04 \uba74\uc81c\ud574\uc8fc\ub294 \uc774\ubca4\ud2b8\ub97c \uc885\uc885 \uc5f4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ud61c\ud0dd\uc740 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub294 \uc88b\uc740 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc99d\uad8c\uc0ac\ub294 \uc2e0\uaddc \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \uccab 1\ub144 \ub3d9\uc548 \ubaa8\ub4e0 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574\uc8fc\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \ubcf4\ub2e4 \ub9ce\uc740 \uac70\ub798\ub97c \uc790\uc720\ub86d\uac8c \ud560 \uc218 \uc788\uac8c \ud574 \uc8fc\uba70, \uc218\uc775\uc131\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uae08\ub9ac \uc6b0\ub300 \ud61c\ud0dd\ub3c4 \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc5d0\uc11c\ub294 \ud2b9\uc815 \uae30\uac04 \ub3d9\uc548 \uace0\uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc73c\uba70, \uc774\ub294 \uace0\uac1d\uc774 \uc608\uce58\ud55c \uc790\uc0b0\uc5d0\uc11c \ub354 \ub192\uc740 \uc774\uc790\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\ubd80 \uc740\ud589\uc5d0\uc11c\ub294 \uc2e0\uaddc ISA \uacc4\uc88c \uac00\uc785 \uace0\uac1d\uc5d0\uac8c \uccab 6\uac1c\uc6d4 \ub3d9\uc548 \uae30\ubcf8 \uae08\ub9ac\ubcf4\ub2e4 0.5% \ud3ec\uc778\ud2b8 \ub192\uc740 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \uc9c4\ud589\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae08\ub9ac \uc6b0\ub300\ub294 \uace0\uac1d\uc5d0\uac8c \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\ub294 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c\ub3c4 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uba70, \uac00\uc785\uc790\uac00 \uc81c\uacf5\ub418\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc138\uc561\uacf5\uc81c\uc640 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubaa8\ub450 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uba3c\uc800, ISA \uacc4\uc88c\uc758 \ube44\uacfc\uc138 \ubc0f \ubd84\ub9ac\uacfc\uc138 \ud61c\ud0dd\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790\uc640 \ubc30\ub2f9 \uc18c\ub4dd \uc911 \ucd5c\ub300 200\ub9cc \uc6d0\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc11c\ubbfc\ud615 ISA\uc758 \uacbd\uc6b0, \uc774 \ube44\uacfc\uc138 \ud55c\ub3c4\uac00 \ucd5c\ub300 400\ub9cc \uc6d0\uc73c\ub85c \ud655\ub300\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube44\uacfc\uc138 \ud61c\ud0dd\uc740 \ud22c\uc790\uc790\uac00 \uc5bb\ub294 \uc18c\ub4dd\uc5d0 \ub300\ud574 \uc138\uae08\uc744 \ubd80\uacfc\ubc1b\uc9c0 \uc54a\uac8c \ud574 \uc8fc\ubbc0\ub85c, \uc790\uc0b0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc99d\uc2dd\ud558\ub294 \ub370 \ud070 \uc7a5\uc810\uc774 \ub429\ub2c8\ub2e4. \ub9cc\uc57d \uc774 \uae08\uc561\uc744 \ucd08\uacfc\ud55c \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4, \uc77c\ubc18 \uc138\uc728\uc774 \uc544\ub2cc 9.9%\uc758 \ubd84\ub9ac\uacfc\uc138\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub294 \uace0\uc18c\ub4dd\uc790\uc5d0\uac8c\ub3c4 \uc720\ub9ac\ud55c \uc808\uc138 \ubc29\uc548\uc774 \ub420 \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \uae08\uc735 \uc790\uc0b0\uc758 \uc218\uc775\uc744 \uadf9\ub300\ud654\ud558\uace0\uc790 \ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc870\uac74\uc785\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc5f0 2,000\ub9cc \uc6d0 \uc774\ud558\uc758 \uc18c\ub4dd\uc790\ub098 \uccad\ub144, \uc790\uc601\uc5c5\uc790\ub294 \uc11c\ubbfc\ud615 ISA\ub97c \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \uc138\uc561\uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc11c\ubbfc\ud615 ISA\uc5d0 \uacc4\uc88c\uc5d0 \ub0a9\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud574 \uc77c\uc815 \ube44\uc728\uc758 \uc138\uc561\uc744 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc5f0\ub9d0\uc815\uc0b0\uc5d0\uc11c \uc138\ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub0a9\uc785\ud55c \uae08\uc561\uc758 16.5%\ub97c \uc138\uc561\uacf5\uc81c\ub85c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc0c1\ub2f9\ud55c \uae08\uc561\uc758 \uc138\uae08 \uc808\uac10 \ud6a8\uacfc\ub97c \uac00\uc838\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc11c\ubbfc\ud615 ISA\ub294 \uc800\uc18c\ub4dd\uce35\uc774\ub098 \uccad\ub144\uce35\uc5d0\uac8c \ub354\uc6b1 \uc720\ub9ac\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, ISA \uacc4\uc88c\uc640 \ub2e4\ub978 \uc808\uc138 \uc0c1\ud488\uc758 \uc5f0\uacc4\ub97c \ud1b5\ud574 \ub354\uc6b1 \ud070 \uc138\uc81c \ud61c\ud0dd\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ISA \uacc4\uc88c \uc678\uc5d0\ub3c4 \uc5f0\uae08\uc800\ucd95, IRP(Individual Retirement Pension)\uc640 \uac19\uc740 \uc808\uc138 \uc0c1\ud488\uc744 \ud568\uaed8 \ud65c\uc6a9\ud558\uba74, \uc138\uc561\uacf5\uc81c\uc758 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud55c \uc790\uae08\uc740 ISA\uc5d0 \uc608\uce58\ud568\uc73c\ub85c\uc368 \ucd94\uac00\uc801\uc778 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP\uc5d0 \ub300\ud55c \uc138\uc561\uacf5\uc81c \ud55c\ub3c4\ub97c \ubaa8\ub450 \uc18c\uc9c4\ud55c \ud6c4\uc5d0\ub3c4 ISA \uacc4\uc88c\ub97c \ud1b5\ud574 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uacc4\ud68d\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \uace0\uac1d\uc774 \uc138\uae08\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0, \uc790\uc0b0\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc99d\uc2dd\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 ISA \uacc4\uc88c\ub97c \ud1b5\ud574 \uc5f0\ub9d0\uc815\uc0b0 \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ub204\ub9b0 \uc0ac\ub840\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 ISA \uacc4\uc88c\uac00 \uc5b4\ub5bb\uac8c \uc808\uc138\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.\uae40\uc528\ub294 \uc5f0\ubd09 5,000\ub9cc \uc6d0\uc758 \uc9c1\uc7a5\uc778\uc785\ub2c8\ub2e4. \uadf8\ub294 11\uc6d4\uc5d0 \uc740\ud589\uc758 ISA \uac1c\uc124 \uc774\ubca4\ud2b8\ub97c \ud1b5\ud574 \uacc4\uc88c\ub97c \uc5f4\uace0 300\ub9cc \uc6d0\uc744 \uc608\uce58\ud588\uc2b5\ub2c8\ub2e4. \uae40\uc528\ub294 ISA \uacc4\uc88c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790 \uc18c\ub4dd\uc5d0 \ub300\ud574 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uc54c\uace0 \uc788\uc5c8\uae30 \ub54c\ubb38\uc5d0, \uc774 \uacc4\uc88c\ub97c \uc120\ud0dd\ud55c \uac83\uc785\ub2c8\ub2e4. \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uae40\uc528\ub294 \uc774\uc790 \uc18c\ub4dd\uc5d0 \ub300\ud574 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \uc801\uc6a9\ubc1b\uc544 \uc57d 27\ub9cc \uc6d0\uc758 \uc138\uae08\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uae40\uc528\ub294 ISA \uacc4\uc88c\ub97c \ud65c\uc6a9\ud558\uc5ec \uc138\ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ub3d9\uc2dc\uc5d0, \uc790\uc0b0\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc99d\uc2dd\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc ISA \uacc4\uc88c\ub294 \uc9c1\uc7a5\uc778\uc5d0\uac8c\ub3c4 \uc720\uc6a9\ud55c \uc808\uc138 \ub3c4\uad6c\uac00 \ub420 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.\ub610 \ub2e4\ub978 \uc0ac\ub840\ub85c \ubc15\uc528\ub294 \ub9cc 30\uc138\uc758 \uccad\ub144\uc73c\ub85c, \uc18c\ub4dd\uc774 \uc801\uc5b4 \uc11c\ubbfc\ud615 ISA\uc5d0 \uac00\uc785\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ub9e4\uc6d4 50\ub9cc \uc6d0\uc529 \uc608\uce58\ud558\uba70 \uc5f0 600\ub9cc \uc6d0\uc758 \ub0a9\uc785\uc744 \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \ubc15\uc528\ub294 \uc11c\ubbfc\ud615 ISA\uc758 \ube44\uacfc\uc138 \ud61c\ud0dd\uacfc \ud568\uaed8 \uc138\uc561\uacf5\uc81c\ub97c \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \uc808\uc138 \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uc798 \uc54c\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \ubc15\uc528\ub294 \ub0a9\uc785\ud55c \uae08\uc561\uc758 \uc77c\uc815 \ube44\uc728\uc774 \uc138\uc561\uacf5\uc81c\ub85c \ud658\uae09\ub418\uc5b4 \uc57d 60\ub9cc \uc6d0\uc758 \uc808\uc138 \ud6a8\uacfc\ub97c \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud61c\ud0dd \ub355\ubd84\uc5d0 \ubc15\uc528\ub294 \uc7ac\uc815\uc801\uc73c\ub85c \ub354 \ub098\uc740 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc5c8\uace0, 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\uace0\uac1d\uc740 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 ISA \uacc4\uc88c\ub97c \uc120\ud0dd\ud558\uace0, \uc81c\uacf5\ub418\ub294 \uc138\uc81c \ud61c\ud0dd\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ub3c4\ubaa8\ud574\uc57c \ud569\ub2c8\ub2e4. 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