{"id":81,"date":"2026-04-29T20:59:52","date_gmt":"2026-04-29T19:59:52","guid":{"rendered":"https:\/\/ablesquarelab.com\/?p=81"},"modified":"2026-04-29T20:59:53","modified_gmt":"2026-04-29T19:59:53","slug":"sp500-%ed%8c%94%ea%b3%a0-%eb%82%98%ec%8a%a4%eb%8b%a5100%ec%9c%bc%eb%a1%9c-%ea%b0%88%ec%95%84%ed%83%94%ec%9d%84-%eb%95%8c-%ec%84%b8%ea%b8%88%ec%9d%b4-%ec%96%bc%eb%a7%88%ec%98%80%eb%82%98","status":"publish","type":"post","link":"https:\/\/ablesquarelab.com\/?p=81","title":{"rendered":"S&amp;P500 \ud314\uace0 \ub098\uc2a4\ub2e5100\uc73c\ub85c \uac08\uc544\ud0d4\uc744 \ub54c \uc138\uae08\uc774 \uc5bc\ub9c8\uc600\ub098"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\ub3c5\uc77c\uc5d0\uc11c ETF \ud314 \ub54c \uc138\uae08, \uc0b4 \ub54c\ubcf4\ub2e4 \ubcf5\uc7a1\ud55c \uc774\uc720\uac00 \uc788\uc5c8\ub2e4<\/h2>\n\n\n\n<p>\ub098\uc2a4\ub2e5100 ETF\ub85c \uac08\uc544\ud0c0\uae30\ub85c \uacb0\uc2ec\ud588\uc744 \ub54c, \ucc98\uc74c\uc73c\ub85c ETF \ub9e4\ub3c4\ub97c \uc9c4\uc9c0\ud558\uac8c \uace0\ubbfc\ud588\ub2e4.<\/p>\n\n\n\n<p>\uadf8 \uc804\uae4c\uc9c0\ub294 \uc0ac\uae30\ub9cc \ud588\ub2e4. \ub9e4\ub2ec \uc790\ub3d9\uc73c\ub85c \uc801\ub9bd\ub418\ub294 \uac78 \ud655\uc778\ud558\ub294 \uac8c \uc804\ubd80\uc600\ub2e4. \uadf8\ub7f0\ub370 \ub9c9\uc0c1 S&amp;P500\uc744 \ud314\uace0 \ub098\uc2a4\ub2e5100\uc73c\ub85c \uac08\uc544\ud0c0\ub824\ub2c8 \uac11\uc790\uae30 \ub9c9\ud614\ub2e4. &#8220;\ud314\uba74 \uc138\uae08\uc774 \uc5bc\ub9c8\ub098 \ub098\uc624\uc9c0?&#8221; \ub2e8\uc21c\ud55c \uc9c8\ubb38\uc778\ub370 \uc27d\uac8c \ub2f5\uc774 \uc548 \ub098\uc654\ub2e4.<\/p>\n\n\n\n<p>\uc0b4 \ub54c \uc138\uae08 \uad6c\uc870\ub294 \uc774\ubbf8 \uacf5\ubd80\ud588\ub2e4\uace0 \uc0dd\uac01\ud588\ub294\ub370, \ud314 \ub54c\ub294 \ub610 \ub2ec\ub790\ub2e4. \ud5f7\uac08\ub9ac\ub294 \uac8c \ud55c\ub450 \uac00\uc9c0\uac00 \uc544\ub2c8\uc5c8\ub2e4. \uadf8\ub798\uc11c \uc774\ubc88\uc5d0 \uc81c\ub300\ub85c \uc815\ub9ac\ud574\ubd24\ub2e4. \ub3c5\uc77c\uc5d0\uc11c ETF\ub97c \ud314 \ub54c \uc2e4\uc81c\ub85c \uc5b4\ub5a4 \uc138\uae08\uc774, \uc5b4\ub5a4 \ubc29\uc2dd\uc73c\ub85c \ube60\uc838\ub098\uac00\ub294\uc9c0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uba3c\uc800 ETF \uc138\uae08\uc774 \ubc1c\uc0dd\ud558\ub294 \uc138 \uac00\uc9c0 \uc2dc\uc810<\/h2>\n\n\n\n<p>\ub3c5\uc77c\uc5d0\uc11c ETF \ud22c\uc790\ub97c \ud558\uba74 \uc138\uae08\uc774 \uc138 \uad70\ub370\uc11c \ub098\uc628\ub2e4.<\/p>\n\n\n\n<p>\uccab \ubc88\uc9f8\ub294 <strong>\ubc30\ub2f9 \uc9c0\uae09 \uc2dc\uc810<\/strong>\uc774\ub2e4. \ubc30\ub2f9\ud615(aussch\u00fcttend) ETF\ub97c \uac00\uc9c0\uace0 \uc788\ub2e4\uba74, \ubc30\ub2f9\uae08\uc774 \ub4e4\uc5b4\uc62c \ub54c\ub9c8\ub2e4 \uc138\uae08\uc774 \uc790\ub3d9\uc73c\ub85c \ube60\uc9c4\ub2e4.<\/p>\n\n\n\n<p>\ub450 \ubc88\uc9f8\ub294 <strong>\ub9e4\ub144 1\uc6d4<\/strong>\uc774\ub2e4. \uc774\uac8c \ubc14\ub85c \uadf8 \uc720\uba85\ud55c Vorabpauschale\ub2e4. \uc801\ub9bd\ud615(thesaurierend) ETF\uc5d0\ub9cc \ud574\ub2f9\ub418\ub294\ub370, \ud314\uc9c0 \uc54a\uc544\ub3c4 \ub9e4\ub144 \uc18c\uc561\uc758 \uc138\uae08\uc774 \ub098\uac04\ub2e4. \ub098\uc911\uc5d0 \ub2e4\uc2dc \uc124\uba85\ud558\uaca0\uc9c0\ub9cc, \uc774\uac8c \ud314 \ub54c \uc138\uae08\uacfc \uae4a\uc774 \uc5f0\uacb0\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uc138 \ubc88\uc9f8\uac00 \uc624\ub298 \ud575\uc2ec\uc778 <strong>\ub9e4\ub3c4 \uc2dc\uc810<\/strong>\uc774\ub2e4. ETF\ub97c \ud314\uc544\uc11c \uc218\uc775\uc774 \ub0ac\uc744 \ub54c \ub0b4\ub294 \uc138\uae08, Abgeltungssteuer\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud314 \ub54c \ub0b4\ub294 \uc138\uae08, \uc0dd\uac01\ubcf4\ub2e4 \ub9ce\uc9c0 \uc54a\ub2e4<\/h2>\n\n\n\n<p>\uc218\uc775\uc5d0 25%\ub97c \ub0b8\ub2e4\ub294 \uc598\uae30\ub97c \ucc98\uc74c \ub4e4\uc73c\uba74 \uaf64 \ud06c\uac8c \ub290\uaef4\uc9c4\ub2e4. \uadf8\ub7f0\ub370 \uc2e4\uc81c\ub85c \uacc4\uc0b0\ud574\ubcf4\uba74 \uc0dd\uac01\ubcf4\ub2e4 \ub35c \ub098\uc628\ub2e4. \uc774\uc720\uac00 \uc788\ub2e4.<\/p>\n\n\n\n<p><strong>Teilfreistellung, \ubd80\ubd84 \uba74\uc138\ub2e4.<\/strong><\/p>\n\n\n\n<p>\uc8fc\uc2dd\ud615 ETF(S&amp;P500, \ub098\uc2a4\ub2e5100, MSCI World \ubaa8\ub450 \ud574\ub2f9)\ub294 \uc218\uc775\uc758 30%\uac00 \uc790\ub3d9\uc73c\ub85c \uba74\uc138\ub2e4. \ub0b4\uac00 100\uc720\ub85c\ub97c \ubc8c\uc5c8\ub2e4\uba74, \uadf8 \uc911 70\uc720\ub85c\uc5d0\ub9cc \uc138\uae08\uc744 \ub0b8\ub2e4. \ub098\uba38\uc9c0 30\uc720\ub85c\ub294 \uac74\ub4dc\ub9ac\uc9c0 \uc54a\ub294\ub2e4.<\/p>\n\n\n\n<p>\uc5ec\uae30\uc5d0 Abgeltungssteuer 25%\uc640 Solidarit\u00e4tszuschlag 5.5%\ub97c \ud569\uce58\uba74 \uc2e4\ud6a8\uc138\uc728\uc774 <strong>\uc57d 18.5%<\/strong> \uc218\uc900\uc774 \ub41c\ub2e4. &#8220;25% \uc138\uae08 \ub0b8\ub2e4&#8221;\ub294 \ub9d0\uc774 \uc0ac\uc2e4\uc774\uae34 \ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uadf8\uac83\ubcf4\ub2e4 \uc0c1\ub2f9\ud788 \ub0ae\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub9ac\uace0 \uc218\uc218\ub8cc\ub3c4 \ube7c\uc900\ub2e4. \ub9e4\uc218\ud560 \ub54c, \ub9e4\ub3c4\ud560 \ub54c \uac01\uac01 \ub0b8 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \uc218\uc775\uc5d0\uc11c \ube7c\uace0 \ub098\uc11c \uc138\uae08\uc744 \uacc4\uc0b0\ud55c\ub2e4. \ud2b8\ub808\uc774\ub4dc \ub9ac\ud37c\ube14\ub9ad\ucc98\ub7fc \uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \ud50c\ub7ab\ud3fc\uc744 \uc4f0\ub294 \uacbd\uc6b0\uc5d4 \ud070 \ucc28\uc774\uac00 \uc5c6\uc9c0\ub9cc, \uc6d0\uce59\uc801\uc73c\ub85c \uacf5\uc81c\ub41c\ub2e4\ub294 \uac74 \uc54c\uc544\ub450\ub294 \uac8c \uc88b\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vorabpauschale\uc640 \ub9e4\ub3c4, \uc774 \ub458\uc740 \uc5f0\uacb0\ub418\uc5b4 \uc788\ub2e4<\/h2>\n\n\n\n<p>\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc774 \ubd80\ubd84\uc5d0\uc11c \ud63c\ub780\uc744 \ub290\ub080\ub2e4. Vorabpauschale\ub97c \ub9e4\ub144 \ub0c8\ub294\ub370, \ud314 \ub54c \ub610 \uc138\uae08\uc744 \ub0b4\uc57c \ud558\ub294 \uac70 \uc544\ub2cc\uac00? \uc774\uc911\uc73c\ub85c \ub0b4\ub294 \uac74 \uc544\ub2d0\uae4c?<\/p>\n\n\n\n<p>\uc544\ub2c8\ub2e4. \uc774\uc911\uacfc\uc138 \uc5c6\ub2e4.<\/p>\n\n\n\n<p>Vorabpauschale\ub294 \ub098\uc911\uc5d0 \ub0bc \uc138\uae08\uc744 \ub9e4\ub144 \uc870\uae08\uc529 \ubbf8\ub9ac \ub0b4\ub294 \uad6c\uc870\ub2e4. \ub9c8\uce58 \ud560\ubd80\ucc98\ub7fc. ETF\ub97c \ub9e4\ub3c4\ud560 \ub54c, \uc9c0\uae08\uae4c\uc9c0 \ub0b8 Vorabpauschale \ub204\uc801 \uae08\uc561\uc774 \uc804\ubd80 \uc218\uc775\uc5d0\uc11c \ucc28\uac10\ub41c\ub2e4. \uc774\ubbf8 \ub0b8 \ub9cc\ud07c \ub9e4\ub3c4 \uc218\uc775\uc774 \uc904\uc5b4\ub4dc\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n<p>\uc27d\uac8c \ub9d0\ud558\uba74, <strong>\ub9e4\ub144 1\uc6d4\uc5d0 \ub098\uac04 \uc18c\uc561 \uc138\uae08\ub4e4\uc774 \uacb0\uad6d \ub9e4\ub3c4 \uc2dc \ub0bc \uc138\uae08\uc744 \uc904\uc5ec\uc8fc\ub294 \uc5ed\ud560\uc744 \ud55c\ub2e4.<\/strong> \ub0b4\uac00 10\ub144\uac04 \ub9e4\ub2ec \ub098\uc2a4\ub2e5100 ETF\ub97c \uc0ac\uba74\uc11c \ub9e4\ub144 Vorabpauschale\ub97c \ub0c8\ub2e4\uba74, \ub098\uc911\uc5d0 \ud314 \ub54c \uadf8\ub9cc\ud07c\uc740 \ub35c \ub0b8\ub2e4.<\/p>\n\n\n\n<p>\uacc4\uc0b0 \ubc29\ubc95\uc774\ub098 \uc815\ud655\ud55c \uacf5\uc81c\ub294 \ud2b8\ub808\uc774\ub4dc \ub9ac\ud37c\ube14\ub9ad\uc774 \uc54c\uc544\uc11c \ucc98\ub9ac\ud55c\ub2e4. \uc9c1\uc811 \uacc4\uc0b0\ud560 \ud544\uc694\uac00 \uc5c6\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc2e4\uc804 \uc2dc\ubbac\ub808\uc774\uc158: \uc774\ub807\uac8c \uacc4\uc0b0\ub41c\ub2e4<\/h2>\n\n\n\n<p>\uad6c\uccb4\uc801\uc778 \uc22b\uc790\ub85c \ubcf4\uc790. \ub0b4\uac00 S&amp;P500\uc5d0\uc11c \ub098\uc2a4\ub2e5100\uc73c\ub85c \uac08\uc544\ud0c8 \ub54c \uc2e4\uc81c\ub85c \uc0dd\uac01\ud588\ub358 \ubc29\uc2dd\uc774\ub2e4.<\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>S&amp;P500 ETF \ub9e4\uc218 \ucd1d\uc561:       10,000\u20ac\n\ub9e4\ub3c4 \uc2dc\uc810 \ud3c9\uac00\uc561:            16,000\u20ac\n\uc21c\uc218 \uc218\uc775:                   6,000\u20ac\n\nVorabpauschale \ub204\uc801 \uacf5\uc81c:    \uc57d 300\u20ac (\ubcf4\uc720\uae30\uac04\u00b7\uae08\ub9ac \uc218\uc900\uc5d0 \ub530\ub77c \ub2e4\ub984)\n\uacfc\uc138 \ub300\uc0c1 \uc218\uc775:              5,700\u20ac\n\nTeilfreistellung 30% \uc801\uc6a9:   5,700\u20ac \u00d7 70% = 3,990\u20ac\n\uc138\uae08 (26.375%):              3,990\u20ac \u00d7 26.375% = \uc57d 1,052\u20ac\n\n\uc2e4\uc81c \uc190\uc5d0 \ub0a8\ub294 \uc218\uc775:         \uc57d 4,948\u20ac\n<\/code><\/pre>\n\n\n\n<p>6,000\uc720\ub85c\ub97c \ubc8c\uc5c8\ub294\ub370 \uc138\uae08\uc740 \uc57d 1,050\uc720\ub85c. \uc218\uc775\uc758 \uc57d 17~18% \uc218\uc900\uc774\ub2e4. \ucc98\uc74c\uc5d0 \ub9c9\uc5f0\ud558\uac8c 25%\ub77c\uace0 \uc0dd\uac01\ud588\uc744 \ub54c\ubcf4\ub2e4 \uc2e4\uc81c \ubd80\ub2f4\uc774 \ub0ae\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ubaa8\ub974\uba74 \uc2e4\uc218\ud558\uae30 \uc26c\uc6b4 \ub450 \uac00\uc9c0<\/h2>\n\n\n\n<p><strong>\uccab \ubc88\uc9f8, 1\uc6d4\uc5d0 \uacc4\uc88c \uc794\uc561\uc774 \uc5c6\uc73c\uba74 ETF\uac00 \uac15\uc81c \ub9e4\ub3c4\ub41c\ub2e4.<\/strong><\/p>\n\n\n\n<p>Vorabpauschale \uc138\uae08\uc740 \ub9e4\ub144 1\uc6d4 \uccab \uc601\uc5c5\uc77c\uc5d0 \ud2b8\ub808\uc774\ub4dc \ub9ac\ud37c\ube14\ub9ad \uacc4\uc88c\uc5d0\uc11c \uc790\ub3d9\uc73c\ub85c \ube60\uc838\ub098\uac04\ub2e4. \ubcf4\ud1b5 ETF 10,000\uc720\ub85c\ub2f9 30~40\uc720\ub85c \uc218\uc900\uc774\ub2e4. \uc794\uc561\uc774 \ubd80\uc871\ud558\uba74 \ube0c\ub85c\ucee4\uac00 ETF \uc77c\ubd80\ub97c \ud314\uc544\uc11c \uc138\uae08\uc744 \ucda9\ub2f9\ud560 \uc218 \uc788\ub2e4. \uc758\ub3c4\uce58 \uc54a\uc740 \ub9e4\ub3c4\uac00 \uc0dd\uae30\ub294 \uac83\uc774\ub2e4. 1\uc6d4 \ucd08\uc5d0 \uacc4\uc88c\uc5d0 \uc5ec\uc720 \ud604\uae08\uc744 \uc870\uae08 \ub0a8\uaca8\ub450\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n\n\n\n<p><strong>\ub450 \ubc88\uc9f8, Freistellungsauftrag\ub97c \uc124\uc815\ud558\uc9c0 \uc54a\uc73c\uba74 \uacf5\uc9dc \uc138\uae08\uc744 \ub0b8\ub2e4.<\/strong><\/p>\n\n\n\n<p>\ub3c5\uc77c\uc5d0\uc11c\ub294 \uc5f0\uac04 \uc790\ubcf8 \uc218\uc775 1,000\uc720\ub85c(\ubd80\ubd80 \ud569\uc0b0 2,000\uc720\ub85c)\uae4c\uc9c0 \ube44\uacfc\uc138\ub2e4. \uc774\uac8c Sparerpauschbetrag\ub2e4. \uadf8\ub7f0\ub370 Trade Republic\uc5d0 Freistellungsauftrag(\uba74\uc138 \uc2e0\uccad\uc11c)\ub97c \uc124\uc815\ud574\ub450\uc9c0 \uc54a\uc73c\uba74 \uc774 \ud61c\ud0dd\uc774 \uc790\ub3d9\uc73c\ub85c \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4. \uc138\uae08\uc744 \ub0b8 \ub4a4 \ub098\uc911\uc5d0 Steuererkl\u00e4rung\uc744 \ud1b5\ud574 \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\uae34 \ud558\uc9c0\ub9cc, \ucc98\uc74c\ubd80\ud130 \uc124\uc815\ud574\ub450\ub294 \uac8c \ud6e8\uc52c \ub0ab\ub2e4. Trade Republic \uc571 \uc548\uc5d0\uc11c \uba87 \ubd84\uc774\uba74 \uc124\uc815 \uac00\ub2a5\ud558\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uadf8\ub798\uc11c \uacb0\ub860\uc740<\/h2>\n\n\n\n<p>\ub3c5\uc77c\uc5d0\uc11c ETF\ub97c \ud314 \ub54c \uc138\uae08 \uad6c\uc870\ub294 \ucc98\uc74c\uc5d4 \ubcf5\uc7a1\ud574 \ubcf4\uc778\ub2e4. \uc6a9\uc5b4\ub3c4 \uc0dd\uc18c\ud558\uace0, \uc0b4 \ub54c\ub791 \ub2e4\ub978 \uaddc\uce59\ub4e4\uc774 \ub9ce\ub2e4. \ub098\ub3c4 \uac08\uc544\ud0c0\uae30 \uc804\uae4c\uc9c0\ub294 \ub9c9\uc5f0\ud558\uac8c \ub450\ub824\uc6e0\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub7f0\ub370 \uad6c\uc870\ub97c \ud55c \ubc88 \uc774\ud574\ud558\uace0 \ub098\uba74 \uc2e4\uc81c \ubd80\ub2f4\uc740 \uc0dd\uac01\ubcf4\ub2e4 \ud06c\uc9c0 \uc54a\ub2e4. \uc2e4\uc9c8 \uc138\uc728\uc740 25%\uac00 \uc544\ub2c8\ub77c \uc57d 18%\ub300\uace0, Vorabpauschale\uc640 \uc774\uc911\uacfc\uc138 \uac71\uc815\ub3c4 \uc5c6\ub2e4. \ud2b8\ub808\uc774\ub4dc \ub9ac\ud37c\ube14\ub9ad\ucc98\ub7fc \ub3c5\uc77c \ube0c\ub85c\ucee4\ub97c \uc4f0\uba74 \uacc4\uc0b0\ub3c4 \uc804\ubd80 \uc790\ub3d9\uc73c\ub85c \ucc98\ub9ac\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uc911\uc694\ud55c \uac74 \ub450 \uac00\uc9c0\ub2e4. Freistellungsauftrag \uc124\uc815, \uadf8\ub9ac\uace0 1\uc6d4 \uc794\uc561 \uad00\ub9ac. \uc774 \ub450 \uac00\uc9c0\ub9cc \ub193\uce58\uc9c0 \uc54a\uc73c\uba74 \ub098\uba38\uc9c0\ub294 \ube0c\ub85c\ucee4\uac00 \uc54c\uc544\uc11c \ud55c\ub2e4.<\/p>\n\n\n\n<p>\uc138\uae08\uc774 \uc544\uae5d\ub2e4\uace0 \ub9e4\ub3c4\ub97c \ubbf8\ub8e8\ub294 \uac83\ubcf4\ub2e4, \ubaa9\uc801\uc5d0 \ub9de\uac8c \ub9ac\ubc38\ub7f0\uc2f1\ud558\ub294 \uac8c \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ud569\ub9ac\uc801\uc778 \uc120\ud0dd\uc77c \uc218 \uc788\ub2e4. \ub098\ub294 \uadf8\ub807\uac8c \ud310\ub2e8\ud558\uace0 \uac08\uc544\ud0d4\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>\uc774 \uae00\uc740 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uac1c\uc778\uc758 \uc138\uae08 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c, \uad6c\uccb4\uc801\uc778 \uc138\uae08 \uacc4\uc0b0\uc740 \uc138\ubb34\uc0ac \ub610\ub294 \uacf5\uc2dd \uc790\ub8cc\ub97c \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub3c5\uc77c\uc5d0\uc11c ETF \ud314 \ub54c \uc138\uae08, \uc0b4 \ub54c\ubcf4\ub2e4 \ubcf5\uc7a1\ud55c \uc774\uc720\uac00 \uc788\uc5c8\ub2e4 \ub098\uc2a4\ub2e5100 ETF\ub85c \uac08\uc544\ud0c0\uae30\ub85c \uacb0\uc2ec\ud588\uc744 \ub54c, \ucc98\uc74c\uc73c\ub85c ETF \ub9e4\ub3c4\ub97c \uc9c4\uc9c0\ud558\uac8c \uace0\ubbfc\ud588\ub2e4. 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