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[MONEY & RICHES] ͷ 4衦 ߴ ٷ ݵ!
Է 2017.03.17 04:05:02
ɴ뺰 ݵ `TDF`(Target Date Fund)

 0° ̹
30 30Ⱓ ¼ ҵ 40 ƾ ϴ ̸ `100 ô`. 1% `ݼ` κ ε İ ۿ . ڱ ƾ ϴ ° ϰ ڸ غ ص İ ڽ ̴. ϻ ٻڴ Ŵ ޿ ̴ ݿ Ȯ⿩(DC) , Ȯ޿(DB) ư ̴.

ó ε κ ̿ ڱ غĿ ݸ `ġ`ϰ ִ. ſ ݿ ־α⸸ ص 10% Ѵ ڸ ־⿡ ׷ Ҵ. ̻ ƴϴ. `ġ` `ũ(Risk)` ô.

ڻ 塤ݸ Ȳ ͷ ݺ ǰ ڻ ϴ ϴٰ Ѵ. ͷ ĸ ڱ ϱ ٴ ̴. ͷ(2016 ء1.7%)δ · 󰡴 ͸ε .

̹ ѱε ſ ϴ. 65 ̻ α ҵ óмҵ 50% ̸ α ϴ κ 49.6%(2015 ) ְ. °߱ⱸ(OECD) (12.4%) 4迡 Ѵ.

׷ٸ  ؾ . ` ϴ ` ּ ˰ ճ Ѵ. ¼ ְ ¼ ִ. 츮 , , ָ غؾ Ѵ.

̷ ñ⿡ ڻ ġ § ó Բ ǰ ٷ `Ÿ굥Ʈݵ(TDF)`. Ÿ굥Ʈ ̸ `¥ ܳ ݵ` ε, ⼭ `¥` ̴. ϸ ֱ⺰ ڻ α׷(Glide Path) ڵ ֽİ ä ش.

̱ ̹ 1000 Ѱ ȸ Ʈǰ̴. ݵ 10 丷 ڻ鵵 ̷ ԰Ÿ 忡 ִٰ Ǵϰ TDF ̰ ִ.

TDF Ϲ Ǵ `ٶ Ģ` ǰ̴. Ģ ۷ι ڻ(л) Ȳ ڻ ڻ ̴.

κ Ϲ ڵ ڻ ϰ ֱ Ȳ Ʈ ϱⰡ ʴ. ֽ, ﱹ ä, , ε ϰ ñ⿡ ŵϷ ð ǰ . ѵ ־ Ⱓ ƴ.

 1° ̹
׷ ݵ ˾Ƽ ش. ۷ι ڻ꿡 ͼ ̴ ɴ뺰 ֽİ ä ش. ֽ ÷ ͷ ߱ϰ, ڿ ä ÷ Ƴ ʵ ̴. Ȳ ޺ ׶׶ 뷱(ڻ ) ش.

ڰ ڱ ־ΰ ؾ ȴٴ ݵ ٽ ܼƮ. ׷ ѱڽŹ ݵ ̸ `ѱTDF˾Ƽݵ` . ̱ 10 Ѱ ſ ߿ ̴.

Zڻ TDF 簣 ϴ ̱ ijб׷ TDF 10Ⱓ ͷ 6.6%. TDF 簣 ϴ ̱ Ƽ̽ TDF 10Ⱓ ͷ 5.5%.

5.5% ͷ 츮 ٷڵ 3281 غ. ޴ A 32Ⱓ ٴ 40Ⱓ Ѵٰ ϸ TDF ſ 81 ִ. ݸ A ( ͷ 1.7%) ״ 쿡 ִ ݾ ſ 33 Ұϴ.

Z ݻ " ԰⵵ ѵ  ڱ İ ´. ׷ ϶ ƴϴ. ٷڰ ڻǰ ִ DC ڶ ݸ̶ TDF ǰ Ÿ ּ ɰ ̶ "̶ ߴ.

Ǹ TDF ũ 簣 ݵ ݵ еȴ. Z `ZѱTDF`, `ѱTDF˾Ƽݵ` ̱ TDF ijб׷, Ƽ̽ 簣 ݵ. ݸ "۷ι ڻ ؼ ۷ι Ʈũ ġ ʿϴ" " Ͽ츦 ѱο ´ TDF ǰ ߴ" ߴ.

ݸ ̷ڻ `̷ڻ TDF` ü Ʈũ Ȱ Ѵ. ְ ̷¿ úι "ǥ ս ּȭǵ ۷ι ݵ(ETF) Ȱ ڻ Ѵ" ߴ.

ũ ִ. ڰ ñ ñⰡ ũ ߳ . 60 ˾Ҵµ 50 ϰ ƴٸ TDF ֽ ū ִ. ӰԵ ߻ ְ ϴ Ȳ ġ ִ ݾ پ ִٴ .

̿ "̷ 쿡 ñ⿡ ֵ ִ ñ⸦ ս ȸ ִ ð Ѵ"鼭 "TDF ڱ ̿ ڱ Ϻ " ߴ.

׷ٸ TDF ٸ ǰ Ư ᰡ . ZѱTDFø Ŭ Ѻ 0.67~1.1%̰ ѱTDF˾Ƽݵ Ŭ Ѻ 0.39~1.09%. ۳ DB DC ᰡ 0.53%, 0.54% ϸ ׸ ƴ ̴.

 2° ̹
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