Ͽ츦 ݿ ! ð ¼ Ÿ , ѱ ¿ ߸ ְġ ϸ ߵǰ ִ. ̷ ñ ߸ ̶ֽ ο ũ з ϸ ū Ҵ ƮΡ ݺ ֽ ١ Դ. ٲ ̹ ǿ ֽĽ ̷ û ¤, ݵ忡 Խ ˾Ƶ־ ݵ忡 ͵ ߴ. Ư ݵڽ ݵ ˾ƾ Ͽ츦 ü Ƴ ڼ ջ . 20 ǰ ڵ ¸ Ѻ ڴ лڿ ñ ڸ ǽϴ ڰ ø ּ Ѵ. å ǿ ڰ ͡ 䳢 ִ ִ ڰ ̵鿡 ް ִ. δ ݵ忡 ߴ , ظ ִ ̴. å Ȯ ˰ Ѵٸ ڿ غ ϵ, ݸ ܿ ϴ ϵ ̴. ݵ, ƴ϶ ʼ! ȿ ڻ ڰ ݵ ʿ ô밡 Դ. λ 80 ̹ Ƿ ٰ λ 100̶ ʴ. ڰ ǿ 60 ûⰰ ϰ 80 λ ٰ 100 ϴ ο ÷(master plan) ʿ ̴. Ͷ ڻ Ű Ѵ. ڻ ϰ ִ ֽġ̴. ϰ ֽڸ ΰ, ϰ ֽڸ ΰ̴. ֽڸ Ѵٸ ڹ Ȱغ. ݵ 3Ұ Ǵ Ʈ , Ҹż , ڡ Ű ֱ ̴. å ݵڽ ̰, ڽ ؾ ϴ, м Ͽ쿡 ־ ϴ ڽŰ ̴. ڰ õ ݵ ǰ ݵ ߿ ͼ ݵ̴ ϸ ū ̴.
Ⱓ ȿ ڻ ڴ ʼ! 1_ ظ ֽ Ǵ Ȯ 4 ̻ غ ƴϴ ظ ܱⰣ ڵ ݵ尡 ְ ڻ û ȭ ۵ƴ 2_ֽĽ ˾ƾ ݵ尡 δ ֽ, ο Ȱ ۵ȴ ٰ 3, ֽĽ ̷ Ѵ ε а ƴ ֽĺ ȭ ڰ ο ȭ Ѵ ġڰ ֽ 뼼 ڷ ո ͷ ߱Ѵ ֽ ϴ ð ִ 3_ ݵ, ˾ƾ ݵ ̷ ̴ ݵ, ٷ ˰ ؾ ȴ ݵ忡 ִ ݵ Խ ̷ ݵ, ̰ üũ ذ ¼, Ȯ ̱ ݵ尡 뼼 Ϻ ݵ尡 ַ 츮 ݵ 4_ ݵ, Ͽ 7 ݵ ߰ شȭѴ ݵ尡 Ǵ , ڽƮ¡ ȿ Ǵ ݵ带 ִ ݵ Խ ߿ ʴ ̿ ︮ ݵ ݵ, Ǹ ̷ ݵ, ݰ Ḧ ľ 5_, ص ִ , ̰ ݵ带 Ȱ϶ ް ִ ε ݵ ETF, ſ ھ̴ , ߸ λ ٲ ֽ ︮ ִ 6_̷ ݵ尡 ȴ_õ 10 ̷µĿ ֽ_ ٿ ݵ ̷ε ֽ_ ̴ ݵ PCAϵֽ D-1_ ߽ Ʈ ݵ ſ ֽ_ ֽ 60% ݵ ̰ ֽ_ڿ ݵ ѱZ ֽ_Z Ӻ Ȱ ݵ ̴ٽĨ ֽ_Ĩ ֿ ϴ ݵ ̰ 뷱60ֽ ȥ_ä ϴ ݵ KTBŸ ȥ_ֽĿ 30% ϸ ϴ ݵ ̷εѾƸ ȥ_äȥ ݵ η_ ڼ мǥ