{"id":11444,"date":"2025-01-21T15:59:41","date_gmt":"2025-01-21T06:59:41","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=11444"},"modified":"2025-01-22T10:34:59","modified_gmt":"2025-01-22T01:34:59","slug":"%ed%98%84%eb%8c%80%ec%b0%a8%ea%b7%b8%eb%a3%b9-%ec%8b%a0%ec%84%b1%ec%9e%a5-%eb%8f%99%eb%a0%a5-%ed%9d%94%eb%93%a4%ec%9c%84%ed%98%91%eb%b0%9b%eb%8a%94-2030-%ec%a0%84%eb%9e%b5","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=11444","title":{"rendered":"\ud604\ub300\ucc28\uadf8\ub8f9, \uc2e0\uc131\uc7a5 \ub3d9\ub825 &#8216;\ud754\ub4e4&#8217;\u2026\uc704\ud611\ubc1b\ub294 &#8216;2030 \uc804\ub7b5&#8217;"},"content":{"rendered":"<h3>|\u2461&#8217;\uc804\uae30\ucc28 \uce90\uc998&#8217; \uc7a5\uae30\ud654 \uc608\uace0\u2026\ub3cc\ud30c \ud0a4\uc6cc\ub4dc &#8216;\ud558\uc774\ube0c\ub9ac\ub4dc \ud604\uc9c0 \uc0dd\uc0b0&#8217;<\/h3>\n<p>\ub3c4\ub110\ub4dc \ud2b8\ub7fc\ud504 \ubbf8\uad6d \ub300\ud1b5\ub839\uc774 \uc784\uae30 \uccab\ub0a0\ubd80\ud130 \ubbf8\uad6d \uc6b0\uc120\uc8fc\uc758\ub97c \uac15\uc870\ud558\uba70 &#8216;\uc5d0\ub108\uc9c0 \ube44\uc0c1\uc0ac\ud0dc&#8217;\ub97c \uc120\ud3ec\ud588\ub2e4. \ubc14\uc774\ub4e0 \ud589\uc815\ubd80\uac00 \ucd94\uc9c4\ud574 \uc628 \uc804\uae30\ucc28 \ubcf4\uae09 \ud65c\uc131\ud654 \ub300\uc2e0 \uc11d\uc720\u00b7\uac00\uc2a4 \ub4f1 \ud654\uc11d \uc5f0\ub8cc \uc0b0\uc5c5\uc5d0 \uc8fc\ub825\ud574 \uc790\uad6d\uc758 \ub0b4\uc5f0\uae30\uad00\ucc28\uc758 \ubc1c\uc804\uc744 \ub3c4\ubaa8\ud55c\ub2e4. \uc774\uc5d0 \uc804\uae30\ucc28 \ubcf4\uc870\uae08 \ud3d0\uc9c0\uc640 \uc678\uad6d\uc0b0 \uc790\ub3d9\ucc28\uc5d0 \ub300\ud55c \uace0\uc728\uad00\uc138 \ubd80\uacfc\uac00 \ud604\uc2e4\ud654\ub410\ub2e4.<\/p>\n<p>\ud604\ub300\ucc28\uadf8\ub8f9\uc774 \ud070 \ud0c0\uaca9\uc744 \ubc1b\uc744 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc55e\uc11c \ud604\ub300\ucc28\uadf8\ub8f9\uc740 \uc778\ud50c\ub808\uc774\uc158 \uac10\ucd95\ubc95(IRA) \ub0b4 \uc804\uae30\ucc28 \ubcf4\uc870\uae08 \ud61c\ud0dd\ub97c \ubc1b\uae30 \uc704\ud574 \ubbf8\uad6d\uc5d0 \ub300\uaddc\ubaa8 \ud22c\uc790\ub97c \ub2e8\ud589\ud588\ub2e4. \ud558\uc9c0\ub9cc \uc815\ucc45\uc774 \ud3d0\uc9c0\ub420 \uc2dc \uc218\uc694 \ub454\ud654\uc5d0 \uc9c1\uba74\ud560 \uc704\uae30\uc5d0 \ub193\uc600\ub2e4. \ud2b9\ud788 2030\ub144 \ubbf8\uad6d \ub0b4 \uc804\uae30\ucc28 \ud310\ub9e4\ub7c9 84\ub9cc\ub300\ub97c \ub118\uae30\uaca0\ub2e4\ub294 \ubaa9\ud45c\uc5d0\ub3c4 \ucc28\uc9c8\uc774 \uc0dd\uae38 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n<p><strong>\u25c7&#8217;IRA \ud3d0\uc9c0&#8217; \uac00\uc2dc\ud654\u2026\ub9ac\uc2a4\ud06c \ub178\ucd9c\ub41c &#8216;2030 \uc804\ub7b5&#8217;<\/strong><\/p>\n<p>\ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc740 20\uc77c(\ud604\uc9c0\uc2dc\uac04) \uc804\uc784 \ubc14\uc774\ub4e0 \ud589\uc815\ubd80\uc758 \uc804\uae30\ucc28 \ubcf4\uae09 \uc815\ucc45\uc744 \ud3d0\uae30\ud558\ub294 \ud589\uc815\uba85\ub839\uc5d0 \uc11c\uba85\ud588\ub2e4. &#8216;\ubbf8\uad6d \uc5d0\ub108\uc9c0\uc758 \ud574\ubc29&#8217; \ud589\uc815\uba85\ub839\uc744 \ub0b4\uace0 &#8216;\uc800\ub834\ud558\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc5d0\ub108\uc9c0\uc640 \ucc9c\uc5f0\uc790\uc6d0&#8217; \uac1c\ubc1c\uc744 \uc7a5\ub824\ud558\uae30 \uc704\ud55c \uc815\ucc45\uc744 \ucd94\uc9c4\ud558\ub77c\uace0 \uc9c0\uc2dc\ud588\ub2e4. \ud2b9\ud788 \uc804\uae30\ucc28 \uc758\ubb34\ud654 \ud3d0\uc9c0\ub97c \uba85\uc2dc\ud558\uace0, \ubd88\uacf5\uc815\ud55c \uc804\uae30\ucc28 \ubcf4\uc870\uae08 \ud3d0\uc9c0\uae4c\uc9c0 \uac80\ud1a0\ud558\ub77c\uace0 \uba85\uc2dc\ud588\ub2e4.<\/p>\n<p>\uc544\uc6b8\ub7ec 2030\ub144\uae4c\uc9c0 \ubbf8\uad6d \ub0b4 \ud310\ub9e4\ud558\ub294 \ubaa8\ub4e0 \uc2e0\ucc28\uc758 56%\ub97c \uc804\uae30\ucc28\ub85c \ud558\uaca0\ub2e4\ub294 \ubaa9\ud45c\ub3c4 \ud3d0\uae30\ud588\ub2e4. IRA \uc815\ucc45\uc774 \uc804\uba74 \uc218\uc815\ub420 \uc2dc \uae00\ub85c\ubc8c \uc804\uae30\ucc28 \uce90\uc998(\uc77c\uc2dc\uc801 \uc218\uc694 \uc815\uccb4)\uc774 \uc7a5\uae30\ud654\ud558\uba74\uc11c \uc218\uc694\uac00 \ub354\uc6b1 \ub454\ud654\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \uc804\uae30\ucc28 \uc0b0\uc5c5\uc5d0 \ub4a4\ucc98\uc9c4 GM\uacfc \ud3ec\ub4dc \ub4f1 \uc790\uad6d\uc758 \uc644\uc131\ucc28 \uae30\uc5c5\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uc815\ucc45\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11447\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121151815476_n.jpg\" alt=\"\" width=\"640\" height=\"323\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121151815476_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121151815476_n-300x151.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121151815476_n-150x76.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/div>\n<p>\ud604\ub300\ucc28\uadf8\ub8f9\uc740 \uc804\uae30\ucc28 \ubcf4\uc870\uae08 \ud3d0\uc9c0\ub85c \ubaa9\ud45c\ud55c &#8216;2030 \uc804\ub7b5&#8217;\uc774 \ub9ac\uc2a4\ud06c\uc5d0 \ub178\ucd9c\ub410\ub2e4. \ubbf8\uad6d\uc758 \uc804\uae30\ucc28 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc138\ub97c \uae30\ubc18\uc73c\ub85c \uad6c\ucd95\ud55c \ud310\ub9e4 \uc804\ub7b5\uc5d0 \ucc28\uc9c8\uc774 \uc0dd\uae38 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \uc55e\uc11c \ud604\ub300\ucc28\uadf8\ub8f9\uc740 2030\ub144 \uae00\ub85c\ubc8c \uc804\uae30\ucc28 \ud310\ub9e4\ub7c9 323\ub9cc\ub300\ub97c \ubaa9\ud45c\ud558\uba70 \ubbf8\uad6d\uc5d0 84\ub9cc\ub300\ub97c \ud560\uc560\ud55c \ubc14 \uc788\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc758 \uc9d1\uad8c\uc774 2029\ub144 1\uc6d4\uae4c\uc9c0 \uc774\uc5b4\uc9c8 \uac83\uc73c\ub85c \ubcf4\uc544 \ud604\ub300\ucc28\uadf8\ub8f9\uc758 2030 \uc804\ub7b5\uc740 \uc131\uacf5\ud560 \uac00\ub2a5\uc131\uc774 \ub0ae\uc544\uc84c\ub2e4. \ub2e4\ub9cc \ud604\ub300\ucc28\uadf8\ub8f9\uc740 \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839 \ub2f9\uc120 \uc774\ud6c4 \uc804\uae30\ucc28 \uc804\uc6a9 \uacf5\uc7a5\uc744 \ub0b4\uc5f0\uae30\uad00\ucc28\uc640 \uc804\uae30\ucc28 \ud63c\uc6a9\uc0dd\uc0b0\uc73c\ub85c \ubc14\uafb8\ub294 \uc804\ub7b5\uc744 \uaf80\ud574 \uc804\uccb4 \ud310\ub9e4\ub7c9 \uac10\uc18c\uae4c\uc9c0\ub294 \uc774\uc5b4\uc9c0\uc9c0 \uc54a\uc744 \uac83\uc73c\ub85c \ud310\ub2e8\ub41c\ub2e4.<\/p>\n<p>\uad00\uc138 \uc7a5\ubcbd\uc774 \ub192\uc544\uc9c0\ub294 \ubd80\ubd84\ub3c4 \ud604\ub300\ucc28\uadf8\ub8f9\uc5d0 \uc545\uc7ac\ub2e4. \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc740 \uce90\ub098\ub2e4\uc640 \uba55\uc2dc\ucf54\uc5d0 25%\uc758 \uad00\uc138\ub97c \ubd80\uacfc\ud558\uaca0\ub2e4\ub294 \ubc29\uce68\ub3c4 \ubc1d\ud614\ub2e4. \uad00\uc138 \ubd80\uacfc\uac00 \ud604\uc2e4\ud654\ub420 \uc2dc \uba55\uc2dc\ucf54\uc5d0 \uae30\uc544\uc640 \ud604\ub300\ubaa8\ube44\uc2a4, \ud604\ub300\ud2b8\ub79c\uc2dc\uc2a4 \ub4f1 \uc0dd\uc0b0\uae30\uc9c0\ub97c \ub454 \ud604\ub300\ucc28\uadf8\ub8f9\uc758 \ud0c0\uaca9\uc774 \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>\uc2e4\uc81c \uae30\uc544\ub294 \uba55\uc2dc\ucf54 \ubaac\ud14c\ub808\uc774\uc5d0\uc11c \uc5f0\uac04 25\ub9cc\ub300\ub97c \uc0dd\uc0b0 \uc911\uc774\uba70, \uc774\uc911 15\ub9cc\ub300\uac00\ub7c9\uc744 \ubbf8\uad6d\uc5d0 \uc218\ucd9c\ud55c\ub2e4. \ud604\ub300\ubaa8\ube44\uc2a4 \uba55\uc2dc\ucf54 \ubc95\uc778\ub3c4 \ud604\ub300\ucc28 \uc568\ub77c\ubc30\ub9c8 \uacf5\uc7a5\uacfc \uae30\uc544 \uc870\uc9c0\uc544 \uacf5\uc7a5 \ub4f1\uc5d0 \ubaa8\ub4c8\uacfc \ub7a8\ud504 \ub4f1\uc744 \uacf5\uae09 \uc911\uc774\ub2e4.<\/p>\n<p><strong>\u25c7\uc704\uae30 \ub3cc\ud30c\ub294 &#8216;\ud558\uc774\ube0c\ub9ac\ub4dc\ucc28&#8217;\u2026\ud604\uc9c0 \uc0dd\uc0b0 \ub298\ub9b0\ub2e4<\/strong><\/p>\n<p>\ud604\ub300\ucc28\uadf8\ub8f9\uc740 \ud2b8\ub7fc\ud504\ubc1c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \ud558\uc774\ube0c\ub9ac\ub4dc\ucc28\uc758 \ud604\uc9c0 \uc0dd\uc0b0\ub7c9\uc744 \ub298\ub9ac\ub294 \uc804\ub7b5\uc744 \uaf80\ud55c\ub2e4. \ubcf4\uc870\uae08 \uc815\ucc45 \ud3d0\uc9c0\uc5d0 \ub530\ub978 \uce90\uc998 \uc7a5\uae30\ud654\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc218\uc694\uac00 \ub298\uace0 \uc788\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc\ucc28\uc758 \uc0dd\uc0b0\uacfc \ud310\ub9e4\ub97c \ub298\ub9ac\uba70 \ub2e4\uac00\uc62c \uc804\uae30\ucc28 \uc2dc\ub300\ub97c \uc900\ube44\ud55c\ub2e4\ub294 \ub0b4\uc6a9\uc774 \uace8\uc790\ub2e4.<\/p>\n<figure id=\"attachment_11446\" aria-describedby=\"caption-attachment-11446\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11446\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121154247256.jpg\" alt=\"\" width=\"600\" height=\"300\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121154247256.jpg 600w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121154247256-300x150.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/01\/20250121154247256-150x75.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-11446\" class=\"wp-caption-text\">\ud604\ub300\ucc28\u00b7\uae30\uc544 \ubbf8\uad6d \ub0b4 \uc0dd\uc0b0\uac70\uc810 \ud604\ud669.<\/figcaption><\/figure>\n<p>\ud604\ub300\ucc28\uadf8\ub8f9\uc740 \uc62c \ucd08\ubd80\ud130 \uc568\ub77c\ubc30\ub9c8 \uacf5\uc7a5\uc5d0\uc11c \uc720\uc77c\ud558\uac8c \uc0dd\uc0b0 \uc911\uc778 \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378 \uc2fc\ud0c0\ud398\uc758 \uc0dd\uc0b0\ub7c9\uc744 \ub298\ub9ac\uae30\ub85c \ud588\ub2e4. \uae30\uc544\uc758 \uc870\uc9c0\uc544\uc8fc \uacf5\uc7a5\ub3c4 \uc62c\ud574 \ud558\ubc18\uae30 \ud154\ub8e8\ub77c\uc774\ub4dc \ud558\uc774\ube0c\ub9ac\ub4dc\ub97c \ud22c\uc785\ud55c\ub2e4. \ucd5c\uadfc \uc644\uacf5\ub41c \ud604\ub300\ucc28\uadf8\ub8f9 \uba54\ud0c0\ud50c\ub79c\ud2b8\uc544\uba54\ub9ac\uce74(HMGMA)\ub294 \ud330\ub9ac\uc138\uc774\ub4dc\uc640 \uc81c\ub124\uc2dc\uc2a4 \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378 \uc0dd\uc0b0\uae30\uc9c0\ub85c \ub099\uc810\ud588\ub2e4.<\/p>\n<p>\ud604\ub300\ucc28\uadf8\ub8f9\uc758 \ubbf8\uad6d \ud604\uc9c0 \uc0dd\uc0b0\ub7c9\uc740 \uae30\uc874 100\ub9cc\ub300 \uc218\uc900\uc5d0\uc11c 118\ub9cc\ub300\ub85c \ub298\uc5b4\ub0a0 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \ud604\ub300\ucc28 \uc568\ub77c\ubc30\ub9c8\uacf5\uc7a5(33\ub9cc\ub300)\uacfc \uae30\uc544 \uc870\uc9c0\uc544\uacf5\uc7a5(35\ub9cc\ub300)\uc5d0 \ub354\ud574 HMGMA \uc0dd\uc0b0 \uaddc\ubaa8\ub97c \uae30\uc874 30\ub9cc\ub300\uc5d0\uc11c 50\ub9cc\ub300\ub85c \ub04c\uc5b4\uc62c\ub9b4 \ubc29\uce68\uc774\ub2e4. \uc804\uccb4 \uc0dd\uc0b0 \ube44\uc911\uc758 70%\ub294 \ubbf8\uad6d\uc5d0\uc11c \ucda9\ub2f9\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p>\ub610 \uadf8\ub8f9 \uacc4\uc5f4\uc0ac\uc640 \ud611\ub825\ud574 \ucc28\uc138\ub300 \ud558\uc774\ube0c\ub9ac\ub4dc \uc2dc\uc2a4\ud15c(TMED-II)\uc774 \uc801\uc6a9\ub41c \uc2e0\ucc28\ub97c \ud604\uc9c0\uc5d0\uc11c \ub2e4\uc218 \ucd9c\uc2dc\ud55c\ub2e4. \uc544\uc6b8\ub7ec \ub85c\ubd07 \uacc4\uc5f4\uc0ac \ubcf4\uc2a4\ud134 \ub2e4\uc774\ub0b4\ubbf9\uc2a4\ub97c \uc62c \uc0c1\ubc18\uae30 \ubbf8\uad6d \ub098\uc2a4\ub2e5 \uc2dc\uc7a5\uc5d0 \uc0c1\uc7a5\uc2dc\ucf1c \uc790\uae08\uc744 \ud655\ubcf4, \ud604\uc9c0 \ud22c\uc790\ub97c \ub298\ub9b4 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n<p>\uc5c5\uacc4 \uad00\uacc4\uc790\ub294 &#8220;\ud604\ub300\ucc28\uadf8\ub8f9\uc758 \uacbd\uc6b0 \uc2e0\uacf5\uc7a5 HMGMA\uac00 \uc62c\ud574\ubd80\ud130 \ubcf8\uaca9 \uac00\ub3d9\ub418\uba74\uc11c \ud604\uc9c0 \uc0dd\uc0b0\ub7c9\uc774 \ud070 \ud3ed\uc73c\ub85c \ub298\uc5b4\ub0a0 \uc608\uc815\uc774\uba70, \uc804\uae30\ucc28\uc640 \ud558\uc774\ube0c\ub9ac\ub4dc \ub0b4\uc5f0\uae30\uad00 \ub4f1 \ubaa8\ub4e0 \uc885\ub958\uc758 \ud30c\uc6cc\ud2b8\ub808\uc778\uc744 \uc0dd\uc0b0\ud55c\ub2e4&#8221;\uba70 &#8220;\ud2b8\ub7fc\ud504 \ud589\uc815\ubd80 \uc815\ucc45\uc5d0 \ub9de\ucdb0 \uc720\uc5f0\ud55c \ub300\uc751\uc744 \ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\ub2e4&#8221;\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\/ \ubc15\uc644\uc900 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\u2461&#8217;\uc804\uae30\ucc28 \uce90\uc998&#8217; \uc7a5\uae30\ud654 \uc608\uace0\u2026\ub3cc\ud30c \ud0a4\uc6cc\ub4dc &#8216;\ud558\uc774\ube0c\ub9ac\ub4dc \ud604\uc9c0 \uc0dd\uc0b0&#8217; \ub3c4\ub110\ub4dc \ud2b8\ub7fc\ud504 \ubbf8\uad6d \ub300\ud1b5\ub839\uc774 \uc784\uae30 \uccab\ub0a0\ubd80\ud130 \ubbf8\uad6d \uc6b0\uc120\uc8fc\uc758\ub97c \uac15\uc870\ud558\uba70 &#8216;\uc5d0\ub108\uc9c0 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