{"id":11268,"date":"2025-01-22T05:09:03","date_gmt":"2025-01-21T20:09:03","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=11268"},"modified":"2025-01-21T17:57:13","modified_gmt":"2025-01-21T08:57:13","slug":"%e7%be%8e-sec-%eb%b1%85%ea%b0%80%eb%93%9c%ec%97%90-%ec%9d%80%ed%87%b4-%ed%8e%80%eb%93%9c-%eb%8c%80%eb%9f%89-%ed%99%98%eb%a7%a4%ec%82%ac%ed%83%9c%eb%a1%9c-1%ec%96%b5-%eb%8b%ac%eb%9f%ac-%eb%b2%8c","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=11268","title":{"rendered":"\u7f8e SEC, \ubc45\uac00\ub4dc\uc5d0 &#8216;\uc740\ud1f4 \ud380\ub4dc \ub300\ub7c9 \ud658\ub9e4\uc0ac\ud0dc&#8217;\ub85c  1\uc5b5 \ub2ec\ub7ec \ubc8c\uae08 \ubd80\uacfc"},"content":{"rendered":"<h3>| \ubc45\uac00\ub4dc, \uc218\uc218\ub8cc \ub0ae\uc740 \uae30\uad00\ub300\uc0c1 \uc740\ud1f4 \uc0c1\ud488 \ud22c\uc790 \uc694\uac74 \ud558\ud5a5<br \/>\n| \ubd80\uc790\ub4e4\uc774 \uae30\uad00 \uc0c1\ud488\uc73c\ub85c \uac08\uc544\ud0c0\uba74\uc11c, \ub300\ub7c9 \ud658\ub9e4 \ubc1c\uc0dd<br \/>\n| \uae30\uc874 \uac1c\uc778 \ud380\ub4dc\uc5d0 \ub0a8\uc544\uc788\ub358 \uace0\uac1d\ub4e4\uc5d0 \uc138\uae08 \ub4f1 \ubd88\uc774\uc775 \ub3cc\uc544\uac00<\/h3>\n<p><strong>&lt;\uac1c\uc694&gt;<\/strong><br \/>\n\ubbf8\uad6d\uc758 \ub300\ud615 \uc790\uc0b0 \uad00\ub9ac \ud68c\uc0ac \ubc45\uac00\ub4dc \uadf8\ub8f9(The Vanguard Group)\uc740 2020\ub144 \uc2dc\ud589\ud55c \ud0c0\uae43 \ub370\uc774\ud2b8 \uc740\ud1f4 \ud380\ub4dc(Target date Retirement Funds, TRF, \ud55c\uad6d\uc758 \uc5f0\uae08TDF\uc640 \uc720\uc0ac)\uc758 \ud22c\uc790 \uc694\uac74 \ubcc0\uacbd\uacfc \uad00\ub828\ud574 \uc815\ubcf4 \uacf5\uac1c \uc758\ubb34\ub97c \uc704\ubc18\ud55c \ud610\uc758\ub85c \uc9c0\ub09c 17\uc77c(\ud604\uc9c0 \uc2dc\uac01) \ubbf8\uad6d <a href=\"https:\/\/www.sec.gov\/newsroom\/press-releases\/2025-21\">\uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c<\/a>(SEC)\uc640 \ud569\uc758\ud558\uba70 \uc57d 1529\uc5b5\uc6d0(1\uc5b5641\ub9cc\ub2ec\ub7ec)\ub97c \uc9c0\ubd88\ud558\uae30\ub85c \ud588\uc74c. \uc774 \uae08\uc561\uc740 \uad00\ub828 \ubc95\uaddc \uc704\ubc18\uc73c\ub85c \uc778\ud574 \ubc1c\uc0dd\ud55c \ud53c\ud574\ub97c \uc785\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ubd84\ubc30\ub420 \uc608\uc815\uc784. SEC\uc640 \ub274\uc695, \ucf54\ub124\ud2f0\ucef7, \ub274\uc800\uc9c0 \uc8fc \uc815\ubd80 \ubc0f \ubd81\ubbf8 \uc99d\uad8c \uad00\ub9ac\uc790 \ud611\ud68c(NASAA)\uc758 \ud611\ub825 \uc870\uc0ac\ub97c \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c4 \uc774\ubc88 \ud569\uc758\ub294 \ud22c\uc790\uc790 \ubcf4\ud638\ub97c \uac15\ud654\ud558\uace0 \uae08\uc735 \ud22c\uba85\uc131\uc744 \ub192\uc774\ub294 \ub370 \uc911\uc810\uc744 \ub454 \uc870\uce58\uc600\uc74c.<\/p>\n<p><strong>&lt;<\/strong><strong>\uc138\ubd80\ub0b4\uc5ed&gt;<\/strong><br \/>\nTRF\ub294 \uc740\ud1f4 \uc2dc\uc810\uc744 \ubaa9\ud45c\ub85c \ud558\uc5ec \ud22c\uc790 \uc704\ud5d8 \uc218\uc900\uc744 \uc790\ub3d9\uc73c\ub85c \uc870\uc815\ud558\ub294 \ud380\ub4dc\uc784. \ucd08\uae30\uc5d0\ub294 \uc218\uc775\ub960\uc774 \ub192\uc740 \uc8fc\uc2dd\uc5d0 \ud22c\uc790 \ube44\uc911\uc744 \ub192\uc600\ub2e4\uac00, \uc740\ud1f4 \uc2dc\uc810\uc774 \ub2e4\uac00\uc62c\uc218\ub85d \uc548\uc815\uc801\uc778 \ucc44\uad8c\uc73c\ub85c \ube44\uc911\uc744 \uc870\uc815\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uc77c\ubc18\uc801\uc73c\ub85c \uc7a5\uae30 \ud22c\uc790\uc790\ub4e4\uc774 \uc120\ud638\ud558\ub294 \uc0c1\ud488\uc784.<\/p>\n<p>\ubc45\uac00\ub4dc \uadf8\ub8f9\uc740 2020\ub144 12\uc6d4 \uae30\uad00\ud22c\uc790\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uae30\uad00 TRF\uc758 \ucd5c\uc18c \ud22c\uc790 \uae08\uc561\uc744 \uae30\uc874 \uc57d 1438\uc5b5\uc6d0(1\uc5b5\ub2ec\ub7ec)\uc5d0\uc11c \uc57d 71\uc5b5\uc6d0(500\ub9cc\ub2ec\ub7ec)\uc73c\ub85c \ub300\ud3ed \ub0ae\ucd94\uc5c8\uc74c. \uc774 \uacb0\uc815\uc73c\ub85c \uc778\ud574 \uae30\uc874\uc5d0 \uac1c\uc778\ud22c\uc790\uc790 \ub300\uc0c1\uc758 \ud22c\uc790\uc790 TRF\uc5d0 \ud22c\uc790\ud558\ub358 \ub9ce\uc740 \uae30\uad00 \ud22c\uc790\uc790\ub4e4\uc774 \uc6b4\uc6a9 \uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \uae30\uad00 TRF\ub85c \uc790\uc0b0\uc744 \uc62e\uae30\uae30 \uc2dc\uc791\ud588\uc74c.<\/p>\n<p>\uc774 \uacfc\uc815\uc5d0\uc11c \ud22c\uc790\uc790 TRF\uc5d0\uc11c\ub294 \ub300\uaddc\ubaa8 \ud658\ub9e4(\uc790\uc0b0 \uc778\ucd9c)\uac00 \ubc1c\uc0dd\ud588\uc73c\uba70, \uc774\ub97c \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \ud380\ub4dc\uac00 \ubcf4\uc720\ud55c \uc8fc\uc2dd\uacfc \ucc44\uad8c \ub4f1\uc758 \uc790\uc0b0\uc744 \ub300\ub7c9\uc73c\ub85c \ub9e4\uac01\ud574\uc57c \ud588\uc74c. \uc790\uc0b0 \ub9e4\uac01\uc73c\ub85c \ubc1c\uc0dd\ud55c \uc591\ub3c4 \uc18c\ub4dd(capital gains)\uc740 \ud22c\uc790\uc790 TRF\uc5d0 \ub0a8\uc544 \uc788\ub358 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ubd84\ubc30\ub418\uc5c8\uc74c. \ud2b9\ud788, \uc77c\ubc18 TRF \ud22c\uc790\uc790\ub4e4\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \uc790\uc0b0 \ub9e4\uac01\uc73c\ub85c \uc778\ud574 \uc138\uae08 \ubd80\ub2f4\uc744 \ub5a0\uc548\uac8c \ub418\uc5c8\uc74c.<\/p>\n<p>SEC\uc758 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \ubc45\uac00\ub4dc\ub294 \uc774\ub7ec\ud55c \ud22c\uc790 \uc694\uac74 \ubcc0\uacbd\uc73c\ub85c \ub0a8\uc544 \uc788\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uc138\uae08 \uc601\ud5a5\uc744 \uba85\ud655\ud788 \uc54c\ub9ac\uc9c0 \uc54a\uc558\uc74c. \ub2f9\uc2dc \ud380\ub4dc \uc548\ub0b4\uc11c\uc5d0\ub294 \uc790\ubcf8 \uc774\ub4dd \ubd84\ubc30\uac00 &#8220;\uc815\uc0c1\uc801\uc778 \ud22c\uc790 \ud65c\ub3d9\uc758 \uacb0\uacfc&#8221;\ub77c\uace0\ub9cc \uc124\uba85\ub418\uc5b4 \uc788\uc5c8\uc73c\uba70, \ub300\uaddc\ubaa8 \ud658\ub9e4\ub85c \uc591\ub3c4 \uc18c\ub4dd\uc774 \uae09\uc99d\ud560 \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \uc5b8\uae09\uc740 \uc5c6\uc5c8\uc74c. \uc774\ub294 \ubc45\uac00\ub4dc\uac00 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc815\ud655\ud558\uace0 \uba85\ud655\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud574\uc57c \ud558\ub294 \uc758\ubb34\ub97c \uc704\ubc18\ud55c \uac83\uc73c\ub85c \ud310\ub2e8\ub418\uc5c8\uc74c.<\/p>\n<p>\uc591\ub3c4 \uc18c\ub4dd \ubd84\ubc30\ub85c \uc778\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \ucd94\uac00\uc801\uc778 \uc138\uae08 \ubd80\ub2f4\uc744 \ub5a0\uc548\uc558\uc73c\uba70, \uc138\uae08 \ub0a9\ubd80\ub85c \uc778\ud574 \ud380\ub4dc \ub0b4 \uc790\uc0b0\uc744 \uc7ac\ud22c\uc790\ud560 \uc218 \uc5c6\uac8c \ub418\uc5b4 \uc7a5\uae30\uc801\uc778 \ubcf5\ub9ac \uc131\uc7a5\uc758 \uae30\ud68c\ub97c \uc783\uac8c \ub418\uc5c8\uc74c. \ub610\ud55c, \ub300\uaddc\ubaa8 \ud658\ub9e4\ub85c \uc778\ud574 \ud380\ub4dc\uc758 \uaddc\ubaa8\uac00 \ucd95\uc18c\ub418\uc5c8\uace0, \ub0a8\uc544 \uc788\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \ube44\uc6a9 \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud588\uc74c. \uacb0\ub860\uc801\uc73c\ub85c, \ubc45\uac00\ub4dc\uc758 \ud22c\uc790 \uc694\uac74 \ubcc0\uacbd\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc138\uae08 \ubd80\ub2f4 \uc99d\uac00, \ubcf5\ub9ac \uc131\uc7a5 \uae30\ud68c \uc0c1\uc2e4, \ucd94\uac00 \ube44\uc6a9 \ubc1c\uc0dd\uc774\ub77c\ub294 \uc7ac\uc815\uc801 \uc190\uc2e4\uc744 \uc548\uacbc\uace0, SEC\ub294 \ubc45\uac00\ub4dc\uac00 \uc815\ubcf4 \uacf5\uac1c \uc758\ubb34\ub97c \uc704\ubc18\ud588\ub2e4\uace0 \ud310\ub2e8\ud588\uc74c.<\/p>\n<p>SEC\ub294 \ubc45\uac00\ub4dc\uc758 \ud589\ub3d9\uc774 <a href=\"https:\/\/www.sec.gov\/investment\/laws-and-rules\">\ud22c\uc790\uc790\ubb38\uc5c5\uc790\ubc95<\/a>(Advisers Act), <a href=\"https:\/\/www.sec.gov\/rules-regulations\/statutes-regulations\">\uc99d\uad8c\ubc95<\/a>(Securities Act), <a href=\"https:\/\/www.sec.gov\/investment\/laws-and-rules\">\ud22c\uc790\ud68c\uc0ac\ubc95<\/a>(Investment Company Act) \ub4f1\uc744 \uc704\ubc18\ud588\ub2e4\uace0 \uacb0\ub860\uc9c0\uc5c8\uc74c. \ubc45\uac00\ub4dc\ub294 \uc870\uc0ac \uacb0\uacfc\ub97c \uc778\uc815\ud558\uac70\ub098 \ubd80\uc778\ud558\uc9c0 \uc54a\ub294 \uc870\uac74\uc73c\ub85c \uc57d 1529\uc5b5\uc6d0(1\uc5b5641\ub9cc\ub2ec\ub7ec)\ub97c \uc9c0\ubd88\ud558\uae30\ub85c \ud569\uc758\ud588\uc74c<\/p>\n<p>\ucd94\uac00\uc801\uc73c\ub85c, \ubc45\uac00\ub4dc\ub294 \ud39c\uc2e4\ubca0\uc774\ub2c8\uc544 \ub3d9\ubd80 \uc9c0\ubc29 \ubc95\uc6d0\uc5d0\uc11c \uc9c4\ud589\ub41c \uc9d1\ub2e8 \uc18c\uc1a1\uc5d0\uc11c \uc57d 574\uc5b5\uc6d0(4000\ub9cc\ub2ec\ub7ec)\uc744 \ubcc4\ub3c4\ub85c \uc9c0\ubd88\ud558\uae30\ub85c \ud569\uc758\ud588\uc74c. \uc774\ub294 \uc774\ubc88 \ud569\uc758\uae08\uacfc \ubcc4\ub3c4\ub85c \ud53c\ud574 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ubc30\ubd84\ub420 \uc608\uc815\uc784. \ubc45\uac00\ub4dc\ub294 \uc870\uc0ac \uacb0\uacfc\ub97c \uc778\uc815\ud558\uac70\ub098 \ubd80\uc778\ud558\uc9c0 \uc54a\uc73c\uba74\uc11c \ud569\uc758\uc5d0 \ub3d9\uc758\ud588\uc74c.<\/p>\n<p><strong>&lt;\uc2dc\uc0ac\uc810&gt;<\/strong><br \/>\n\uc774\ubc88 \uc0ac\uac74\uc740 \ub300\ud615 \uae08\uc735 \ud68c\uc0ac\uac00 \uace0\uac1d\uc5d0\uac8c \ud22c\uc790 \uc0c1\ud488\uacfc \uad00\ub828\ub41c \uc815\ubcf4\ub97c \uba85\ud655\ud788 \uacf5\uac1c\ud574\uc57c \ud560 \ucc45\uc784\uc774 \uc788\uc74c\uc744 \uc7ac\ud655\uc778\uc2dc\ucf30\uc74c. \ud2b9\ud788 \uc740\ud1f4 \uae30\uae08\uc744 \ub2e4\ub8e8\ub294 TRF\uc640 \uac19\uc740 \uc7a5\uae30 \ud22c\uc790 \uc0c1\ud488\uc5d0\uc11c \uc815\ubcf4\uc758 \ubd88\ud22c\uba85\uc131\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub9c9\ub300\ud55c \uc7ac\uc815\uc801 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc74c.<\/p>\n<p>(1\ub2ec\ub7ec=1438\uc6d0)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>| \ubc45\uac00\ub4dc, \uc218\uc218\ub8cc \ub0ae\uc740 \uae30\uad00\ub300\uc0c1 \uc740\ud1f4 \uc0c1\ud488 \ud22c\uc790 \uc694\uac74 \ud558\ud5a5 | \ubd80\uc790\ub4e4\uc774 \uae30\uad00 \uc0c1\ud488\uc73c\ub85c \uac08\uc544\ud0c0\uba74\uc11c, \ub300\ub7c9 \ud658\ub9e4 \ubc1c\uc0dd | \uae30\uc874 \uac1c\uc778 \ud380\ub4dc\uc5d0 \ub0a8\uc544\uc788\ub358 \uace0\uac1d\ub4e4\uc5d0 \uc138\uae08 \ub4f1 \ubd88\uc774\uc775 \ub3cc\uc544\uac00 &lt;\uac1c\uc694&gt; \ubbf8\uad6d\uc758 \ub300\ud615 \uc790\uc0b0 \uad00\ub9ac \ud68c\uc0ac \ubc45\uac00\ub4dc \uadf8\ub8f9(The Vanguard Group)\uc740 2020\ub144 \uc2dc\ud589\ud55c \ud0c0\uae43 \ub370\uc774\ud2b8 \uc740\ud1f4 \ud380\ub4dc(Target date Retirement Funds, TRF, \ud55c\uad6d\uc758 \uc5f0\uae08TDF\uc640 \uc720\uc0ac)\uc758 \ud22c\uc790 \uc694\uac74 \ubcc0\uacbd\uacfc \uad00\ub828\ud574 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":7007,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[612,8],"tags":[58,1956,1957],"class_list":{"0":"post-11268","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-usa","8":"category-compliance","9":"tag-58","10":"tag--sec","11":"tag-1957"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u7f8e SEC, \ubc45\uac00\ub4dc\uc5d0 &#039;\uc740\ud1f4 \ud380\ub4dc \ub300\ub7c9 \ud658\ub9e4\uc0ac\ud0dc&#039;\ub85c 1\uc5b5 \ub2ec\ub7ec \ubc8c\uae08 \ubd80\uacfc SanctionLab<\/title>\n<meta name=\"description\" content=\"\ubbf8\uad6d\uc758 \ub300\ud615 \uc790\uc0b0 \uad00\ub9ac \ud68c\uc0ac \ubc45\uac00\ub4dc \uadf8\ub8f9(The Vanguard Group)\uc740 2020\ub144 \uc2dc\ud589\ud55c \ud0c0\uae43\ub370\uc774\ud2b8 \uc740\ud1f4 \ud380\ub4dc(Target date Retirement Funds, TRFs, \ud55c\uad6d\uc758 \uc5f0\uae08TDF\uc640 \ub3d9\uc77c)\uc758 \ud22c\uc790 \uc694\uac74 \ubcc0\uacbd\uacfc \uad00\ub828\ud574 \uc815\ubcf4 \uacf5\uac1c \uc758\ubb34\ub97c...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sanctionlab.com\/?p=11268\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u7f8e SEC, \ubc45\uac00\ub4dc\uc5d0 &#039;\uc740\ud1f4 \ud380\ub4dc \ub300\ub7c9 \ud658\ub9e4\uc0ac\ud0dc&#039;\ub85c 1\uc5b5 \ub2ec\ub7ec \ubc8c\uae08 \ubd80\uacfc SanctionLab\" \/>\n<meta property=\"og:description\" content=\"\ubbf8\uad6d\uc758 \ub300\ud615 \uc790\uc0b0 \uad00\ub9ac 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