{"id":142,"date":"2026-06-28T16:05:16","date_gmt":"2026-06-28T15:05:16","guid":{"rendered":"https:\/\/ablesquarelab.com\/?p=142"},"modified":"2026-06-28T16:05:16","modified_gmt":"2026-06-28T15:05:16","slug":"germany-pension-korea-national-pension-double","status":"publish","type":"post","link":"https:\/\/ablesquarelab.com\/?p=142","title":{"rendered":"\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uacfc \ub3c5\uc77c \uc5f0\uae08, \ub458 \ub2e4 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\ub3c5\uc77c \uc5f0\uae08\uacfc \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08, \uc6d4\uae09\uba85\uc138\uc11c \ubcf4\ub2e4\uac00 \ucc98\uc74c\uc73c\ub85c \uc9c4\uc9c0\ud558\uac8c \uc0dd\uac01\ud588\ub2e4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3c5\uc77c \uc5f0\uae08\uacfc \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc744 \ub3d9\uc2dc\uc5d0 \ub0b4\uace0 \uc788\ub2e4\ub294 \uac78 \ucc98\uc74c\uc73c\ub85c \uc81c\ub300\ub85c \uc778\uc2dd\ud55c \uac8c \uccab \ub3c5\uc77c \uc6d4\uae09\uba85\uc138\uc11c\ub97c \ubc1b\uc558\uc744 \ub54c\uc600\uc5b4\uc694. \uc18c\ub4dd\uc138, \uac74\uac15\ubcf4\ud5d8, \uc694\uc591\ubcf4\ud5d8, \uc2e4\uc5c5\ubcf4\ud5d8\u2026 \uadf8\ub9ac\uace0 Rentenversicherung. \uc6d4\uae09\uc758 \uc57d 9.3%\uac00 \uc5f0\uae08\uc73c\ub85c \ube60\uc838\ub098\uac00\uace0 \uc788\uc5c8\ub294\ub370, \ud68c\uc0ac\ub3c4 \ub611\uac19\uc774 9.3%\ub97c \ub0b4\ub2c8\uae4c \ud569\uc0b0\ud558\uba74 \uc6d4\uae09\uc758 18.6%\uac00 \uc5f0\uae08\uc73c\ub85c \ub4e4\uc5b4\uac00\ub294 \uad6c\uc870\uc608\uc694. \uc194\uc9c1\ud788 \ucc98\uc74c\uc5d4 \uadf8\ub0e5 \uc5b4\uca54 \uc218 \uc5c6\uc774 \ub0b4\ub294 \ub3c8\uc774\ub77c\uace0 \uc0dd\uac01\ud588\uc5b4\uc694. \uadf8\ub7f0\ub370 \ub3c5\uc77c\uc5d0 \uc624\ub798 \uc0b4\ub2e4 \ubcf4\ub2c8 \uc774\uac8c \ub098\uc911\uc5d0 \uc5b4\ub5bb\uac8c \ub3cc\uc544\uc624\ub294\uc9c0, \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc774\ub791\uc740 \uc5b4\ub5bb\uac8c \uc5f0\uacb0\ub418\ub294\uc9c0\uac00 \uc9c4\uc9dc \uc911\uc694\ud55c \ubb38\uc81c\ub77c\ub294 \uac78 \uc54c\uac8c \ub410\uc5b4\uc694. \ub3c5\uc77c\uc5d0\uc11c \uc9c1\uc7a5\uc0dd\ud65c 6\ub144\uc9f8\uc778 \uc81c \uacbd\ud5d8 \uae30\uc900\uc73c\ub85c \uac00\uc7a5 \ud604\uc2e4\uc801\uc778 \uc774\uc57c\uae30\ub97c \ud574\ubcfc\uac8c\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub3c5\uc77c \uc5f0\uae08, \uc5bc\ub9c8\ub098 \ub0b4\uace0 \uc5bc\ub9c8\ub098 \ubc1b\ub098<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3c5\uc77c \uc5f0\uae08\uc740 \uacf5\uc801 \uc5f0\uae08 \ud558\ub098\ub85c \ub2e8\uc21c\ud574\uc694. \uc6d4\uae09\uc758 18.6%\ub97c \ubcf8\uc778\uacfc \ud68c\uc0ac\uac00 \uc808\ubc18\uc529 \ubd80\ub2f4\ud558\uace0, \uc5f0\ubd09\uc774 \ub192\uc744\uc218\ub85d \ub9ce\uc774 \ub0b4\uc9c0\ub9cc \uc0c1\ud55c\uc120\uc774 \uc788\uc5b4\uc694. \uc2e4\uc81c\ub85c \ubc1b\ub294 \uae08\uc561\uc740 \ub0a9\ubd80 \uae30\uac04\uacfc \ub0a9\ubd80 \uae08\uc561\uc5d0 \ube44\ub840\ud574\uc694. Deutsche Rentenversicherung\uc5d0\uc11c \ub9e4\ub144 \uc5f0\uae08 \uc608\uc0c1 \uc218\ub839\uc561\uc774 \uc801\ud78c \ud3b8\uc9c0\ub97c \ubcf4\ub0b4\uc8fc\ub294\ub370, \ucc98\uc74c \ubc1b\uc558\uc744 \ub54c \uc0dd\uac01\ubcf4\ub2e4 \uae08\uc561\uc774 \ub0ae\uc544\uc11c \uc0b4\uc9dd \uc2e4\ub9dd\ud588\uc5b4\uc694. \ub3c5\uc77c \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c\ub3c4 \ube44\uc2b7\ud55c \ubc18\uc751\uc774 \ub9ce\uc544\uc694. \ud55c\uad6d\uc5d0\uc11c 20\ub144 \ub0a9\ubd80\ud55c \ubd84\uacfc \ub3c5\uc77c\uc5d0\uc11c 6\ub144 \ub0a9\ubd80\ud55c \ubd84\uc774 \uac19\uc740 \uae08\uc561\uc744 \ub123\uace0 \ube44\uad50\ud588\ub354\ub2c8 \ud55c\uad6d \uc5f0\uae08 \uc218\ub839\uc561\uc774 28~30% \ub354 \ub192\uac8c \ub098\uc654\ub2e4\ub294 \uc2e4\uc81c \ub370\uc774\ud130\ub3c4 \uc788\uc5b4\uc694. \ub3c5\uc77c \uc5f0\uae08\uc774 \ub9ce\uc774 \ub0b4\ub294 \uac83 \ub300\ube44 \uc218\ub839\uc561\uc774 \uc0dd\uac01\ubcf4\ub2e4 \ub192\uc9c0 \uc54a\ub2e4\ub294 \uac8c \ub3c5\uc77c \uac70\uc8fc \ud55c\uad6d\uc778\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uacf5\ud1b5\ub41c \ud3c9\uac00\uc608\uc694. <a href=\"https:\/\/ablesquarelab.com\/?p=69\" target=\"_blank\" rel=\"noreferrer noopener\">\ub3c5\uc77c \uc5f0\ubd09 2\uc5b5 \uc9c1\uc7a5\uc778\uc774 \uc2e4\uc81c\ub85c \ub0b4\ub294 \uc138\uae08 \uacf5\uac1c<\/a> \uae00\uc5d0\uc11c \uc804\uccb4 \uacf5\uc81c \uad6c\uc870\ub97c \uac19\uc774 \ud655\uc778\ud574\ubcf4\uba74 \uc774\ud574\uac00 \ub354 \ube60\ub97c \uac70\uc608\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5\ub144\uc774 \uc65c \uadf8\ub807\uac8c \uc911\uc694\ud55c\uac00<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3c5\uc77c \uc5f0\uae08\uc5d0\uc11c 5\ub144\uc774\ub77c\ub294 \uc22b\uc790\uac00 \uc790\uc8fc \ub098\uc624\ub294\ub370 \uc774\uac8c \uc65c \uc911\uc694\ud55c\uc9c0 \ubaa8\ub974\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc544\uc694. \ub3c5\uc77c\uc5d0\uc11c \uc5f0\uae08\uc744 5\ub144 \ubbf8\ub9cc \ub0a9\ubd80\ud55c \uacbd\uc6b0, \ud55c\uad6d\uc73c\ub85c \uadc0\uad6d\ud558\uace0 2\ub144\uc774 \uc9c0\ub098\uba74 \ubcf8\uc778\uc774 \ub0a9\ubd80\ud55c \uae08\uc561\ub9cc \ud658\uae09\ubc1b\uc744 \uc218 \uc788\uc5b4\uc694. \ud68c\uc0ac\uac00 \ub0a9\ubd80\ud55c \uc808\ubc18\uc740 \ub3cc\ub824\ubc1b\uc744 \uc218 \uc5c6\uc5b4\uc694. \ubc18\uba74 5\ub144 \uc774\uc0c1 \ub0a9\ubd80\ud558\uba74 \ud658\uae09 \uc120\ud0dd\uc9c0\uac00 \uc0ac\ub77c\uc9c0\ub294 \ub300\uc2e0 67\uc138\ubd80\ud130 \uc5f0\uae08\uc744 \uc218\ub839\ud560 \uad8c\ub9ac\uac00 \uc0dd\uae30\uace0, \uc774\ub54c\ub294 \ud68c\uc0ac\uac00 \ub0b8 \ubd80\ubd84\uae4c\uc9c0 \ud3ec\ud568\ub41c \uae08\uc561\uc744 \ubc1b\uc744 \uc218 \uc788\uc5b4\uc694. \uc989 5\ub144\uc744 \uae30\uc900\uc73c\ub85c &#8220;\ub0b4 \ub3c8\ub9cc \ub3cc\ub824\ubc1b\ub294 \uad6c\uc870&#8221;\uc5d0\uc11c &#8220;\ud68c\uc0ac \ub3c8\uae4c\uc9c0 \ud3ec\ud568\ud574\uc11c \ub9e4\ub2ec \ubc1b\ub294 \uad6c\uc870&#8221;\ub85c \uc804\ud658\ub41c\ub2e4\ub294 \uac70\uc608\uc694. \ub3c5\uc77c\uc5d0\uc11c 3~4\ub144 \uc77c\ud558\ub2e4 \uadc0\uad6d\uc744 \uace0\ubbfc\ud558\ub294 \ubd84\uc774\ub77c\uba74 \uc774 5\ub144 \uae30\uc900\uc744 \ubc18\ub4dc\uc2dc \uba38\ub9bf\uc18d\uc5d0 \ub123\uc5b4\ub450\uc138\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud575\uc2ec \uc9c8\ubb38 \u2014 \ud55c\uad6d\uc774\ub791 \ub3c5\uc77c \uc5f0\uae08 \ub458 \ub2e4 \ubc1b\uc744 \uc218 \uc788\ub098<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uacb0\ub860\ubd80\ud130 \ub9d0\ud558\uba74 \uac00\ub2a5\ud574\uc694. \ud55c\uad6d\uacfc \ub3c5\uc77c\uc740 \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uc774 \uccb4\uacb0\ub418\uc5b4 \uc788\uc5b4\uc11c \uc591\uad6d \ub0a9\ubd80 \uae30\uac04\uc744 \ud569\uc0b0\ud574\uc11c \uacc4\uc0b0\ud574\uc918\uc694. \uc608\ub97c \ub4e4\uc5b4 \ud55c\uad6d\uc5d0\uc11c 6\ub144, \ub3c5\uc77c\uc5d0\uc11c 4\ub144 \ub0a9\ubd80\ud588\ub2e4\uba74 \ub3c5\uc77c \ub2e8\ub3c5\uc73c\ub85c\ub294 \ucd5c\uc18c 5\ub144 \uae30\uc900\uc5d0 \ubabb \ubbf8\uccd0\ub3c4 \ud569\uc0b0\ud558\uba74 10\ub144\uc774 \ub418\uc5b4\uc11c \uc591\ucabd \ub2e4 \uc218\ub839\ud560 \uc218 \uc788\uc5b4\uc694. \ud55c\uad6d\uc5d0\uc11c \ub0a9\ubd80\ud55c \uae08\uc561\uc740 \ud55c\uad6d\uc5d0\uc11c, \ub3c5\uc77c\uc5d0\uc11c \ub0a9\ubd80\ud55c \uae08\uc561\uc740 \ub3c5\uc77c\uc5d0\uc11c \uac01\uac01 \ub530\ub85c \ubc1b\ub294 \uad6c\uc870\uc608\uc694. \ud1b5\ud569\ub418\uac70\ub098 \uc774\uc911\uc73c\ub85c \uc8fc\ub294 \uac8c \uc544\ub2c8\ub77c \uac01\uc790 \ub0b8 \ub9cc\ud07c \uac01\uc790 \ub3cc\ub824\uc8fc\ub294 \uac70\uc608\uc694. \uc800\ub3c4 \uc774 \uad6c\uc870\ub97c \ucc98\uc74c \uc54c\uc558\uc744 \ub54c &#8220;\uc774\ub807\uac8c \ub418\ub294 \uac70\uc600\uc5b4?&#8221; \uc2f6\uc5c8\uc5b4\uc694. \ub2e4\ub9cc \uc911\ubcf5 \ub0a9\ubd80 \uae30\uac04\uc740 \ud55c \ubc88\ub9cc \uc778\uc815\ub418\ub2c8\uae4c, \ud55c\uad6d\uacfc \ub3c5\uc77c\uc5d0 \ub3d9\uc2dc\uc5d0 \ub0a9\ubd80\ud558\ub358 \uae30\uac04\uc774 \uc788\ub2e4\uba74 \uadf8 \uae30\uac04\uc740 \ud55c \ucabd\uc5d0\ub9cc \ud569\uc0b0\ub3fc\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub3c5\uc77c \ub5a0\ub0a0 \ub54c \uc5f0\uae08 \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub2e4\ub294\ub370, \uc9c4\uc9dc\uc778\uac00<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9de\uc544\uc694. \ub3c5\uc77c\uc744 \uc644\uc804\ud788 \ub5a0\ub098 EU \ube44\ud68c\uc6d0\uad6d\uc73c\ub85c \uc774\uc8fc\ud558\ub294 \uacbd\uc6b0 \ub0a9\ubd80\ud55c \uc5f0\uae08\uc744 \ud658\uae09\ubc1b\uc744 \uc218 \uc788\uc5b4\uc694. \ub2e8 \uc870\uac74\uc774 \uc788\uc5b4\uc694. \ub0a9\ubd80 \uc911\ub2e8 \ud6c4 2\ub144\uc744 \uae30\ub2e4\ub824\uc57c \ud558\uace0 \uadf8 \uc0ac\uc774\uc5d0 \ub3c5\uc77c\uc5d0\uc11c \ub2e4\uc2dc \uc77c\ud558\ub294 \uc0c1\ud669\uc774 \uc5c6\uc5b4\uc57c \ud574\uc694. \ud658\uae09\ubc1b\uc73c\uba74 \ub3c5\uc77c \uc5f0\uae08 \uc218\ub839 \uad8c\ub9ac\uac00 \uc0ac\ub77c\uc9c0\uace0 \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uacfc \ud569\uc0b0 \ud61c\ud0dd\ub3c4 \uc5c6\uc5b4\uc838\uc694. \uc5b4\ub290 \ucabd\uc774 \uc720\ub9ac\ud55c\uc9c0\ub294 \uac1c\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc694. \ub3c5\uc77c\uc5d0\uc11c 5\ub144 \uc774\uc0c1 \ub0a9\ubd80\ud588\uace0 \ud55c\uad6d\uc5d0\uc11c \uacc4\uc18d \uc0b4 \uc608\uc815\uc774\ub77c\uba74 \ud658\uae09\ubcf4\ub2e4 \ud569\uc0b0 \uc218\ub839\uc774 \uc720\ub9ac\ud55c \uacbd\uc6b0\uac00 \ub9ce\uace0, \ub0a9\ubd80 \uae30\uac04\uc774 \uc9e7\uace0 \uae08\uc561\uc774 \uc801\ub2e4\uba74 \ud658\uae09\uc774 \ub098\uc744 \uc218\ub3c4 \uc788\uc5b4\uc694. <a href=\"https:\/\/ablesquarelab.com\/?p=84\" target=\"_blank\" rel=\"noreferrer noopener\">\ub3c5\uc77c\uc5d0\uc11c \uc9d1 \uc0b4\uae4c ETF \uc0b4\uae4c \u2014 \uc138\uae08\u00b7\uc218\uc775\ub960\uc744 \uc9c1\uc811 \uacc4\uc0b0\ud574\ubd24\ub2e4<\/a> \uae00\uc5d0\uc11c\ucc98\ub7fc \uc7a5\uae30 \uc2dc\ubbac\ub808\uc774\uc158\uc744 \ud574\ubcf4\uace0 \uacb0\uc815\ud558\ub294 \uac8c \uc88b\uc544\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc740 \ub3c5\uc77c\uc5d0 \uc788\ub294 \ub3d9\uc548 \uc5b4\ub5bb\uac8c \ub418\ub098<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3c5\uc77c\uc5d0 \uac70\uc8fc\ud558\uba74\uc11c \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc744 \uacc4\uc18d \ub0bc \uc218 \uc788\uc5b4\uc694. \ud574\uc678\uc774\uc8fc\uc790 \uc2e0\uace0\ub97c \ud558\uc9c0 \uc54a\uc73c\uba74 \ubc95\uc801\uc73c\ub85c \uad6d\ub0b4 \uac70\uc8fc\uc790\ub85c \ubd84\ub958\ub418\uc5b4 \uc784\uc758\uac00\uc785 \ud615\ud0dc\ub85c \uacc4\uc18d \ub0a9\ubd80\ud560 \uc218 \uc788\uc5b4\uc694. \ubc18\ub300\ub85c \ud574\uc678\uc774\uc8fc\uc790 \uc2e0\uace0\ub97c \ud558\uba74 \uadf8\ub3d9\uc548 \ub0a9\ubd80\ud55c \uc5f0\uae08\uc744 \uc77c\uc2dc\uae08\uc73c\ub85c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\uc5b4\uc694. \uc774 \ub450 \uac00\uc9c0 \uc120\ud0dd\uc774 \ub178\ud6c4\uc5d0 \uc0c1\ub2f9\ud55c \ucc28\uc774\ub97c \ub9cc\ub4e4 \uc218 \uc788\uc5b4\uc694. \uc7a5\uae30\uc801\uc73c\ub85c \ub3c5\uc77c\uc5d0 \ub0a8\uc744 \uacc4\ud68d\uc774\ub77c\uba74 \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc744 \ucd5c\uc18c \uae08\uc561\uc774\ub77c\ub3c4 \uacc4\uc18d \ub0a9\ubd80\ud558\ub294 \uac8c \uc720\ub9ac\ud558\ub2e4\ub294 \uac8c \uacbd\ud5d8\uc790\ub4e4\uc758 \uacf5\ud1b5\ub41c \uc870\uc5b8\uc774\uc5d0\uc694. \uad6d\ubbfc\uc5f0\uae08\uc740 \ub0a9\ubd80 \uae30\uac04\uc774 \uae38\uc218\ub85d \uc218\ub839\uc561\uc774 \ud6e8\uc52c \uc720\ub9ac\ud55c \uad6c\uc870\uac70\ub4e0\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub3c5\uc77c \uc5f0\uae08, \uac1c\uc778\uc5f0\uae08\uc73c\ub85c \ubcf4\uc644\ud558\ub294 \uac8c \ub9de\uc744\uae4c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3c5\uc77c \uacf5\uc801 \uc5f0\uae08\ub9cc\uc73c\ub85c \ub178\ud6c4\ub97c \ucee4\ubc84\ud558\uae30\uc5d4 \ubd80\uc871\ud558\ub2e4\ub294 \uac8c \ub3c5\uc77c \uc0ac\ub78c\ub4e4 \uc0ac\uc774\uc5d0\uc11c\ub3c4 \uacf5\ud1b5\ub41c \uc778\uc2dd\uc774\uc5d0\uc694. \uadf8\ub798\uc11c \ub9ac\uc2a4\ud130\uc5f0\uae08\uc774\ub098 \ub93c\ub7fd\uc5f0\uae08 \uac19\uc740 \uc138\uc81c \ud61c\ud0dd\uc774 \uc788\ub294 \uac1c\uc778\uc5f0\uae08 \uc0c1\ud488\uc774 \uc788\uc5b4\uc694. \ub2e4\ub9cc \uc774 \uc0c1\ud488\ub4e4\uc740 \ub3c5\uc77c\uc5d0 \uacc4\uc18d \uac70\uc8fc\ud55c\ub2e4\ub294 \uc804\uc81c \ud558\uc5d0 \uc720\ub9ac\ud55c \uad6c\uc870\ub77c\uc11c, \ud55c\uad6d\uc73c\ub85c \uadc0\uad6d\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \ubd84\ub4e4\ud55c\ud14c\ub294 \uc624\ud788\ub824 ETF \uc801\ub9bd\uc774 \ub354 \uc720\uc5f0\ud558\uace0 \uc720\ub9ac\ud560 \uc218 \uc788\uc5b4\uc694. \uc800\ub3c4 \uac1c\uc778\uc801\uc73c\ub85c \ub3c5\uc77c \uac1c\uc778\uc5f0\uae08 \uc0c1\ud488\ubcf4\ub2e4\ub294 ETF \uc801\ub9bd \ucabd\uc73c\ub85c \ubb34\uac8c\ub97c \ub450\uace0 \uc788\uc5b4\uc694. <a href=\"https:\/\/ablesquarelab.com\/?p=78\" target=\"_blank\" rel=\"noreferrer noopener\">\uc6d4 1,000\uc720\ub85c\ub85c \ub098\uc2a4\ub2e5100 ETF \uc801\ub9bd\uc2dd \ud22c\uc790, 10\ub144 \ud6c4 \uc2e4\uc81c\ub85c \uc5bc\ub9c8\uac00 \ub420\uae4c?<\/a> \uc5d0\uc11c \uc9c1\uc811 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