{"id":205,"date":"2026-05-14T15:31:35","date_gmt":"2026-05-14T06:31:35","guid":{"rendered":"https:\/\/simplecultural.co.kr\/?p=205"},"modified":"2026-05-28T12:28:54","modified_gmt":"2026-05-28T03:28:54","slug":"%ea%b5%ad%eb%af%bc%ec%97%b0%ea%b8%88-%ea%b5%ad%ec%9e%a5-%eb%b9%84%ec%a4%91-%ec%98%ac%eb%a6%b0%eb%8b%a4%eb%8a%94%eb%8d%b0-%ec%9d%b4%ea%b1%b0-%ed%98%b8%ec%9e%ac-%eb%a7%9e%eb%83%90","status":"publish","type":"post","link":"https:\/\/simplecultural.co.kr\/?p=205","title":{"rendered":"2026\ub144 \uad6d\ubbfc\uc5f0\uae08 \uad6d\ub0b4 \uc8fc\uc2dd(\uad6d\uc7a5) \ube44\uc911 \ud655\ub300 \uac80\ud1a0, \uac1c\uc778 \ud22c\uc790\uc790\uc5d0\uac8c \uc9c4\uc815\ud55c \ud638\uc7ac\uc77c\uae4c?"},"content":{"rendered":"<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"txc-image\" src=\"http:\/\/image.pullbbang.com\/image5\/v3\/img\/upload\/board\/2026\/5\/20260511113706a13bb424170e40de8662069174f9ce1d.jpg\" width=\"675\" height=\"379\" \/><\/div>\n<div><\/div>\n<div><\/div>\n<div>\n<h3 data-path-to-node=\"48\">1. \ucf54\uc2a4\ud53c \uc218\uae09\uc758 \uc5f4\uc1e0\ub97c \uc954 &#8216;\uad6d\ubbfc\uc5f0\uae08&#8217;\uc758 \ub9ac\ubc38\ub7f0\uc2f1 \uc804\ub7b5 \ubcc0\ud654<\/h3>\n<p data-path-to-node=\"49\">2026\ub144 \ud604\uc7ac \uad6d\ub0b4 \uc8fc\uc2dd \uc2dc\uc7a5(\ucf54\uc2a4\ud53c)\uc774 \ubaa8\ucc98\ub7fc \uac15\ud55c \uc0c1\uc2b9\uc7a5(\ubd88\uc7a5)\uc744 \uc5f0\ucd9c\ud558\uba74\uc11c, \ud22c\uc790\uc790\ub4e4\uc758 \uc2dc\uc120\uc774 \ub300\ud55c\ubbfc\uad6d \uc790\ubcf8 \uc2dc\uc7a5\uc758 \ucd5c\ub300 &#8216;\ud070\uc190&#8217;\uc778 \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc6b4\uc6a9\ubcf8\ubd80(NPS)\ub85c \uc3e0\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc740 \ub9c9\ub300\ud55c \uc790\ubcf8\ub825\uc73c\ub85c \uad6d\ub0b4 \uc8fc\uc2dd \uc2dc\uc7a5\uc744 \ub5a0\ubc1b\uce58\ub294 \uae30\ub465 \uc5ed\ud560\uc744 \ud574\uc654\uc73c\ub098, \ucd5c\uadfc \uba87 \ub144\uac04\uc740 \uc8fc\uac00\uac00 \uc624\ub97c \ub54c\ub9c8\ub2e4 \uae30\uacc4\uc801\uc778 \ub300\uaddc\ubaa8 \ub9e4\ub3c4\uc138\ub97c \uc3df\uc544\ub0b4\uba70 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \uc6d0\uc131\uc744 \uc0ac\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uad6d\ubbfc\uc5f0\uae08\uc774 \uc124\uc815\ud574 \ub454 &#8216;\uad6d\ub0b4 \uc8fc\uc2dd \ubaa9\ud45c \ube44\uc911(\uc804\uccb4 \uc790\uc0b0 \ub300\ube44 \ud2b9\uc815 \ud37c\uc13c\ud2b8)&#8217;\uc744 \ub9de\ucd94\uae30 \uc704\ud574, \uc8fc\uc2dd \uac00\uce58\uac00 \uc0c1\uc2b9\ud558\uba74 \ucd08\uacfc\ubd84\uc744 \uac15\uc81c\ub85c \ud314\uc544\uc57c \ud558\ub294 \uc790\uc0b0 \ubc30\ubd84 \uc6d0\uce59\uc778 <b data-path-to-node=\"49\" data-index-in-node=\"304\">&#8216;\ub9ac\ubc38\ub7f0\uc2f1(Rebalancing)&#8217;<\/b> \uaddc\uc815 \ub54c\ubb38\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"50\">\ud558\uc9c0\ub9cc \ucd5c\uadfc \ubcf4\uac74\ubcf5\uc9c0\ubd80 \uc0b0\ud558 \uad6d\ubbfc\uc5f0\uae08 \uae30\uae08\uc6b4\uc6a9\uc704\uc6d0\ud68c\uc5d0\uc11c \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \uc5fc\uc6d0\uc774\uc5c8\ub358 &#8216;\uad6d\ub0b4 \uc8fc\uc2dd \ubaa9\ud45c \ube44\uc911 \uc0c1\ud5a5 \ubc0f \ub9e4\ub9e4 \ud5c8\uc6a9 \ubc94\uc704(\uc624\ucc28 \ubc94\uc704) \ud655\ub300&#8217;\ub97c \uae0d\uc815\uc801\uc73c\ub85c \uac80\ud1a0\ud55c\ub2e4\ub294 \uc18c\uc2dd\uc774 \uc804\ud574\uc9c0\uba70 \uc2dc\uc7a5\uc774 \ud06c\uac8c \uc220\ub801\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc774 \uc548\uac74\uc774 \ud1b5\uacfc\ub41c\ub2e4\uba74, \uc8fc\uac00\uac00 \uc62c\ub77c\ub3c4 \uad6d\ubbfc\uc5f0\uae08\uc774 \uc758\ubb34\uc801\uc73c\ub85c \ub9e4\ubb3c\uc744 \ub358\uc9c0\uc9c0 \uc54a\uace0 \uc8fc\uc2dd\uc744 \uacc4\uc18d \ubcf4\uc720\ud560 \uc218 \uc788\ub294 \uc5ec\ub825\uc774 \uc0dd\uae30\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"50\">\n<\/div>\n<div><\/div>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"txc-image\" src=\"http:\/\/image.pullbbang.com\/image5\/v3\/img\/upload\/board\/2026\/5\/2026051111371373f191963d044bcbac6151f8c31712a8.jpg\" width=\"631\" height=\"351\" \/><\/div>\n<div><\/div>\n<div>\n<h3 data-path-to-node=\"51\">2. \uae30\uacc4\uc801 \ub9e4\ub3c4\uc5d0 \uc9c0\uce5c \uac1c\uc778 \ud22c\uc790\uc790(\uac1c\ubbf8)\ub4e4\uc758 \ud658\ud638\uc640 \uc218\uae09 \uac1c\uc120 \uae30\ub300\uac10<\/h3>\n<p data-path-to-node=\"52\">\uc628\ub77c\uc778 \ud22c\uc790 \ucee4\ubba4\ub2c8\ud2f0\uc758 \uac1c\uc778 \ud22c\uc790\uc790(\uc77c\uba85 &#8216;\uac1c\ubbf8&#8217; \ud22c\uc790\uc790)\ub4e4\uc740 \uc774 \uc18c\uc2dd\uc5d0 \ub300\ud574 &#8220;\uc9c4\uc791\uc5d0 \uc774\ub807\uac8c \ud588\uc5b4\uc57c \ud55c\ub2e4&#8221;\uba70 \uc5f4\ub82c\ud788 \ud658\uc601\ud558\ub294 \ubd84\uc704\uae30\uc785\ub2c8\ub2e4. \ud55c \ub124\ud2f0\uc98c\uc740 &#8220;\uc5f0\uae08\uc774 \ube44\uc911\uc744 \ub9de\ucd98\ub2f5\uc2dc\uace0 \uae30\uacc4\uc801\uc73c\ub85c \uc6b0\ub7c9\uc8fc\ub97c \ub358\uc9c0\ub294 \uac83\uc744 \ubcf4\uba74 \ub108\ubb34 \ub2f5\ub2f5\ud588\ub2e4. \uad6d\uc7a5\uc740 \uc678\uc778\uacfc \uae30\uad00\uc758 \uc218\uae09\uc5d0 \ub9e4\uc6b0 \uc608\ubbfc\ud55c\ub370, \uc5f0\uae08\uc758 \uc720\uc5f0\ud55c \ub9ac\ubc38\ub7f0\uc2f1 \uc804\ub7b5\uc740 \uc218\uae09 \uc228\ud1b5\uc744 \ud2b8\uc5ec\uc904 \ucd5c\uace0\uc758 \ud638\uc7ac&#8221;\ub77c\uba70 \uae30\ub300\uac10\uc744 \ub0b4\ube44\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"53\">\uc2e4\uc81c\ub85c \ucf54\uc2a4\ud53c \uc2dc\uc7a5\uc740 \uc678\uad6d\uc778\uc758 \ub9e4\uc218\uc138 \ubabb\uc9c0\uc54a\uac8c \uc5f0\uae30\uae08\uc758 \uc790\uae08 \uc720\uc785\uc774 \uc9c0\uc218\ub97c \ubc29\uc5b4\ud558\uace0 \uc0c1\uc2b9\uc744 \uacac\uc778\ud558\ub294 \ud575\uc2ec \ub3d9\ub825\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc774 \ubaa9\ud45c \ube44\uc911\uc744 \uc0c1\ud5a5\ud558\uc5ec \ub9e4\ub3c4 \ud3ed\ud0c4\uc744 \uba48\ucd94\uace0 \ub4e0\ub4e0\ud55c \uc9c0\uc9c0\uc120 \uc5ed\ud560\uc744 \ud574\uc900\ub2e4\uba74, \uadf8\ub3d9\uc548 \uc5b5\ub20c\ub824\uc788\ub358 \uc800\ud3c9\uac00 \uc6b0\ub7c9\uc8fc\ub4e4\uc744 \uc911\uc2ec\uc73c\ub85c &#8216;\ucf54\uc2a4\ud53c 3,000&#8217; \uc2dc\ub300\ub97c \ub118\uc5b4 \uc911\uc7a5\uae30\uc801\uc73c\ub85c \ud000\ud140 \uc810\ud504\ub97c \uc774\ub904\ub0bc \uc218 \uc788\ub294 \uae0d\uc815\uc801\uc778 \ud22c\uc790 \uc2ec\ub9ac\uac00 \ud615\uc131\ub420 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n<\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"txc-image\" src=\"http:\/\/image.pullbbang.com\/image5\/v3\/img\/upload\/board\/2026\/5\/202605111137411d1fe9fcb5f5471fab32528690d0dcb6.jpg\" width=\"610\" height=\"409\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3 data-path-to-node=\"54\">3. \ub2e8\uae30\uc801 \ud638\uc7ac \uc774\uba74\uc758 \ub51c\ub808\ub9c8: \uae30\uae08 \uace0\uac08 \uc2dc\uae30\uc758 \ub300\uaddc\ubaa8 \ub9e4\ub3c4 \ub9ac\uc2a4\ud06c<\/h3>\n<p data-path-to-node=\"55\">\uadf8\ub7ec\ub098 \uacbd\uc81c \uc804\ubb38\uac00\ub4e4\uc740 \ube44\uc911 \ud655\ub300\uac00 \ubb34\uc870\uac74\uc801\uc778 \ud658\ud638\ub97c \ubcf4\ub0bc \uc77c\ub9cc\uc740 \uc544\ub2c8\ub77c\uace0 \uc9c0\uc801\ud569\ub2c8\ub2e4. \ud604\uc7ac\uc758 \ube44\uc911 \uc0c1\ud5a5\uc740 \uc218\uae09 \uc548\uc815\uacfc \ub2e8\uae30\uc801\uc778 \uc99d\uc2dc \ubd80\uc591\uc5d0\ub294 \uc5c4\uccad\ub09c \ud638\uc7ac\uc784\uc774 \ubd84\uba85\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub300\ud55c\ubbfc\uad6d\uc740 \uc804 \uc138\uacc4\uc5d0\uc11c \uc720\ub840\uc5c6\uc774 \ube60\ub978 \ucd08\uace0\ub839\ud654 \uc0ac\ud68c\ub85c \uc9c4\uc785\ud558\uace0 \uc788\uc73c\uba70, \uba38\uc9c0\uc54a\uc544 \uad6d\ubbfc\uc5f0\uae08\uc774 \ubcf4\ud5d8\ub8cc \uc218\uc785\ubcf4\ub2e4 \uc5f0\uae08 \uc9c0\uae09\uc561\uc774 \ub354 \ub9ce\uc544\uc9c0\ub294 \uae30\uae08 \uace0\uac08\uae30\ub97c \ub9de\uc774\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"56\">\uae30\uae08\uc774 \uc904\uc5b4\ub4e4\uae30 \uc2dc\uc791\ud558\uba74 \uad6d\ubbfc\uc5f0\uae08\uc740 \uac00\uc785\uc790\ub4e4\uc5d0\uac8c \uc5f0\uae08\uc744 \uc9c0\uae09\ud558\uae30 \uc704\ud574 \ubcf4\uc720\ud558\uace0 \uc788\ub358 \uc8fc\uc2dd\uc744 \ub300\uac70 \ud604\uae08\ud654(\ub9e4\ub3c4)\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9cc\uc57d \uad6d\ub0b4 \uc8fc\uc2dd \ube44\uc911\uc744 \uacfc\ub3c4\ud558\uac8c \ub192\uc5ec\ub193\uc740 \uc0c1\ud0dc\uc5d0\uc11c \ud6d7\ub0a0 \uac15\uc81c \ub9e4\uac01\uc774 \uc2dc\uc791\ub41c\ub2e4\uba74, \uad6d\ub0b4 \uc99d\uc2dc\ub294 \ub9c9\ub300\ud55c \uc5f0\uae30\uae08 \ub9e4\ubb3c \ud3ed\ud0c4\uc744 \uacac\ub514\uc9c0 \ubabb\ud558\uace0 \ud3ed\ub77d\ud558\ub294 \uce58\uba85\uc801\uc778 \ubd80\uba54\ub791\uc744 \ub9de\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"57\">\ub530\ub77c\uc11c 2026\ub144 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc804\ub7b5\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \uae30\ub300\ucc98\ub7fc \ub2e8\uae30\uc801\uc778 \uc218\uae09 \uac1c\uc120\uc758 \ud6a8\uacfc\ub97c \ub204\ub9ac\uba74\uc11c\ub3c4, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \ud574\uc678 \ud22c\uc790 \ub2e4\ubcc0\ud654\uc640 \ub300\uccb4 \ud22c\uc790 \ube44\uc911\uc744 \ub298\ub824 \uae30\uae08 \uace0\uac08 \uc2dc\uae30\uc758 \uad6d\ub0b4 \uc99d\uc2dc \ucda9\uaca9\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uace0\ub3c4\uc758 \uc904\ud0c0\uae30\uac00 \ud544\uc694\ud55c \uc2dc\uc810\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. \ucf54\uc2a4\ud53c \uc218\uae09\uc758 \uc5f4\uc1e0\ub97c \uc954 &#8216;\uad6d\ubbfc\uc5f0\uae08&#8217;\uc758 \ub9ac\ubc38\ub7f0\uc2f1 \uc804\ub7b5 \ubcc0\ud654 2026\ub144 \ud604\uc7ac \uad6d\ub0b4 \uc8fc\uc2dd \uc2dc\uc7a5(\ucf54\uc2a4\ud53c)\uc774 \ubaa8\ucc98\ub7fc \uac15\ud55c \uc0c1\uc2b9\uc7a5(\ubd88\uc7a5)\uc744 \uc5f0\ucd9c\ud558\uba74\uc11c, \ud22c\uc790\uc790\ub4e4\uc758 \uc2dc\uc120\uc774 \ub300\ud55c\ubbfc\uad6d \uc790\ubcf8 \uc2dc\uc7a5\uc758 \ucd5c\ub300 &#8216;\ud070\uc190&#8217;\uc778 \uad6d\ubbfc\uc5f0\uae08\uae30\uae08\uc6b4\uc6a9\ubcf8\ubd80(NPS)\ub85c \uc3e0\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08\uc740 \ub9c9\ub300\ud55c \uc790\ubcf8\ub825\uc73c\ub85c \uad6d\ub0b4 \uc8fc\uc2dd \uc2dc\uc7a5\uc744 \ub5a0\ubc1b\uce58\ub294 \uae30\ub465 \uc5ed\ud560\uc744 \ud574\uc654\uc73c\ub098, \ucd5c\uadfc \uba87 \ub144\uac04\uc740 \uc8fc\uac00\uac00 \uc624\ub97c \ub54c\ub9c8\ub2e4 \uae30\uacc4\uc801\uc778 \ub300\uaddc\ubaa8 \ub9e4\ub3c4\uc138\ub97c \uc3df\uc544\ub0b4\uba70 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc758 \uc6d0\uc131\uc744 \uc0ac\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uad6d\ubbfc\uc5f0\uae08\uc774 \uc124\uc815\ud574 \ub454 &#8216;\uad6d\ub0b4 \uc8fc\uc2dd \ubaa9\ud45c \ube44\uc911(\uc804\uccb4 \uc790\uc0b0 \ub300\ube44 \ud2b9\uc815 \ud37c\uc13c\ud2b8)&#8217;\uc744 \ub9de\ucd94\uae30 \uc704\ud574, \uc8fc\uc2dd \uac00\uce58\uac00 \uc0c1\uc2b9\ud558\uba74 \ucd08\uacfc\ubd84\uc744 \uac15\uc81c\ub85c \ud314\uc544\uc57c \ud558\ub294 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