?㎜ 二쇱떇 臾쇳?湲?怨꾩궛湲?& ?됰떒媛€ 臾대즺 怨꾩궛湲?/span>

100% 臾대즺 ?ㅼ떆媛?二쇱떇 臾쇳?湲?& 蹂몄쟾 ?덉텧 ?쒕??덉씠??/p>

?뱣 蹂댁쑀 ?곹깭 諛?異붽? 留ㅼ닔 ?낅젰

?ㅼ떆媛??쒖꽭 ?곕룞
?뵦 ?멸린 醫낅ぉ:
1截뤴깵 ?꾩옱 蹂댁쑀 ?곹깭 (??二쇱떇) -28.6% ?먯떎 以?/span>
??/span>
100二?/strong>
二?/span>
1二?/span> 500二?/span> 1,000二?/span> 2,500二?/span>
珥?留ㅼ닔 ?먭툑: 7,000,000??/strong>
?뮕 臾쇳?湲?怨꾩궛湲??댁슜 轅€??/span>
  • ???됰떒媛€: 蹂몄씤 利앷텒 怨꾩쥖???ㅼ젣 留ㅼ닔 ?④?瑜?吏곸젒 ?낅젰?섏꽭??
  • ?€???섎웾 ?낅젰: 2,500二??댁긽???€??留ㅼ닔???낅젰李쎌뿉 吏곸젒 ?섎웾???€?댄븨?섏떆硫?臾댁젣?쒖쑝濡?利됱떆 怨꾩궛?⑸땲??
  • ?щ씪?대뜑 議곗젅: ?곗륫 珥덈줉 ?щ씪?대뜑瑜??밴꺼 ???덉궛??留욌뒗 理쒖쟻 ?섎웾??李얠븘蹂댁꽭??
  • 蹂몄쟾 ?덉텧 ?④낵: 臾쇳?湲????먭툑 ?뚮났???꾩슂??二쇨? 諛섎벑瑜좎씠 ?띻린?곸쑝濡???븘吏묐땲??
2截뤴깵 ?럻截??€?뷀삎 臾쇳?湲?議곗젅湲?/span> ?щ씪?대뜑 ?ㅼ떆媛??곕룞
??/span>
+100二?/strong>
二?/span>
0二?/span> 500二?/span> 1,000二?/span> 2,500二?/span>
?덉궛蹂?
異붽? ?꾩슂 ?ъ옄湲? 5,000,000??/strong>
?좑툘 ?덉쟾??遺꾪븷 留ㅼ닔 ?? ?꾩껜 ?덉궛??2~3?뚯뿉 ?섎늻??遺꾪븷 留ㅼ닔?섎뒗 寃껋씠 ?덉쟾?⑸땲??

?렞 臾쇳?湲?理쒖쥌 寃곌낵 ?붿빟

理쒖쥌 ?됯퇏 留ㅼ닔媛€
60,000??/div>
-10,000?? (-14.3%) ?덇컧
珥?蹂댁쑀 ?섎웾
200二?/div>
珥??ъ옄湲?12,000,000??
?? 蹂몄쟾 ?덉텧 ?꾩슂 諛섎벑瑜?/div>
+20.0%
臾쇳?湲??? ?€鍮?20.0%p ?⑥텞!
?꾩옱媛€ (50,000??/span>) ?좉퇋 ?됰떒媛€ (60,000??/span>) 湲곗〈 ?됰떒媛€ (70,000??/span>)
?뮕 異붽? 留ㅼ닔瑜??듯빐 蹂몄쟾 ?뚮났???꾩슂??二쇨? ?곸듅 遺€?댁씠 +40.0% ??+20.0%濡??덈컲 媛€源뚯씠 以꾩뼱?ㅼ뿀?듬땲??

?뱤 二쇨? 諛섎벑 援ш컙蹂??덉긽 ?먯씡 ?쒕??덉씠??

?몚 媛€濡쒕줈 諛€?댁꽌 ???꾩껜 蹂닿린
諛섎벑 二쇨? ?꾩옱媛€ ?€鍮??곸듅??/th> ???됰떒媛€ ?€鍮??섏씡瑜?/th> ?덉긽 珥??됯?湲덉븸 ?덉긽 ?ㅽ쁽 ?먯씡
?쭚 ?쒕??덉씠?????듭떖 ?댁꽍 & ?ъ옄 ?ъ씤??/span>
?렞 蹂몄쟾 ?덉텧 (?먭툑 ?뚮났) 二쇨?媛€ ?좉퇋 ?됰떒媛€???꾨떖?섎㈃ ??怨꾩쥖 ?먯떎??0?먯씠 ?섏뼱 ?덉텧 湲고쉶媛€ 二쇱뼱吏묐땲??
?뱢 湲곗〈 ?됰떒媛€ ?꾨떖 ??/strong> ?먮옒 ?닿? ?€??媛€寃⑷퉴吏€ ???ㅻⅤ硫?蹂몄쟾???섏뼱 ?좎룧??異붽? ?섏씡?쇰줈 ?꾪솚?⑸땲??
?좑툘 ?덉쟾??遺꾪븷 留ㅼ닔 ??/strong> 臾쇳?湲곕뒗 珥??ъ옄湲덉씠 ?섏뼱?섎?濡? ?꾩껜 ?덉궛??2~3?뚯뿉 ?섎늻??遺꾪븷 留ㅼ닔?섎뒗 寃껋씠 ?덉쟾?⑸땲??
二쇱떇 臾쇳?湲?怨꾩궛湲?諛??됰떒媛€ 蹂몄쟾 ?덉텧 ?쒕??덉씠???명룷洹몃옒??
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二쇱떇 臾쇳?湲?怨꾩궛湲?& ?됰떒媛€ 怨꾩궛湲??꾨꼍 媛€?대뱶 (移댁뭅?ㅒ룹궪?깆쟾?먃룹퐫???꾨꼍 ?€??

移댁뭅?? ?쇱꽦?꾩옄, SK?섏씠?됱뒪 ??援?궡 ?€?뺤<遺€??誘멸뎅 二쇱떇(?뚯뒳?? ?붾퉬?붿븘), 媛€?곸옄??鍮꾪듃肄붿씤)源뚯? 紐⑤뱺 醫낅ぉ??臾쇳?湲??쒕??덉씠?섏쓣 1珥?留뚯뿉 臾대즺濡??쒓났?⑸땲?? 蹂?怨꾩궛湲곕뒗 ?뱀젙 醫낅ぉ ?꾩슜???꾨땲硫? ?ъ옄?먭? 蹂댁쑀???꾩옱 ?됰떒媛€?€ ?섎웾, 異붽? 留ㅼ닔 媛€寃⑹쓣 ?낅젰?섎㈃ 蹂€寃쎈릺??理쒖쥌 ?됰떒媛€?€ 蹂몄쟾 ?덉텧 紐⑺몴媛€瑜??ㅼ떆媛꾩쑝濡?怨꾩궛??二쇰뒗 ?ㅻ쭏???€?뚰겕 ?꾧뎄?낅땲??

?뱦 二쇱떇 臾쇳?湲?怨꾩궛湲?3?④퀎 ?쒖슜踰?

  1. 1?④퀎: ?꾩옱 蹂댁쑀 ?뺣낫 ?낅젰 - 移댁뭅?? ?쇱꽦?꾩옄 ??蹂댁쑀 以묒씤 二쇱떇???됯퇏 留ㅼ닔?④?(?됰떒媛€)?€ 蹂댁쑀 ?섎웾???낅젰?⑸땲?? (?됰떒媛€瑜?紐⑤Ⅸ?ㅻ㈃ ?곷떒 '?쨺 ?됰떒媛€瑜?紐⑤Ⅸ?ㅻ㈃? (遺꾪븷留ㅼ닔 ?⑹궛)' 踰꾪듉 ?대┃)
  2. 2?④퀎: 異붽? 留ㅼ닔 ?뺣낫 ?낅젰 - ?꾩옱 ?쒖옣媛€ ?먮뒗 紐⑺몴?섎뒗 異붽? 留ㅼ닔媛€寃?/strong>怨?留ㅼ닔 ?섎웾(?먮뒗 異붽? ?ъ옄湲덉븸)???낅젰?⑸땲?? 醫낅ぉ 寃€?됱갹???댁슜?섎㈃ ?ㅼ떆媛??쒖꽭媛€ 1珥?留뚯뿉 ?먮룞 ?곸슜?⑸땲??
  3. 3?④퀎: 寃곌낵 ?뺤씤 諛?蹂몄쟾 ?덉텧 ?쒕??덉씠??/strong> - ?덈줈 ??븘吏?理쒖쥌 ?⑹궛 ?됰떒媛€, ?먭툑 ?뚮났 ?꾩슂 諛섎벑瑜?%), 洹몃━怨??④퀎蹂?諛섎벑 ???덉긽 ?먯씡???쒓컖??寃뚯씠吏€ 諛붿? ?쒕줈 ?뺤씤?⑸땲??

?㎜ 臾쇳?湲??됰떒媛€ 怨꾩궛 怨듭떇

?섑븰???됯퇏?④? ?곗텧 怨듭떇:

理쒖쥌 ?됰떒媛€ = (湲곗〈 珥?留ㅼ닔湲덉븸 + 異붽? 留ㅼ닔湲덉븸) 첨 (湲곗〈 蹂댁쑀?섎웾 + 異붽? 留ㅼ닔?섎웾)

* 蹂몄쟾 ?덉텧 ?꾩슂 諛섎벑瑜?%) = ((理쒖쥌 ?됰떒媛€ - ?꾩옱 二쇨?) 첨 ?꾩옱 二쇨?) 횞 100

?좑툘 臾쇳?湲?吏꾪뻾 ??二쇱쓽?ы빆 諛?遺꾪븷 留ㅼ닔 ?먯튃

  • ?섎씫 異붿꽭 吏€????鍮꾩쨷 怨쇰떎 二쇱쓽: 臾쇳?湲곕뒗 ?됰떒媛€瑜???떠 ?덉텧???욌떦湲곗?留? 湲곗뾽 ?ㅼ쟻 ?낇솕濡??섎씫??吏€?띾릺硫??먯떎 珥앹븸??湲됯꺽??遺덉뼱?⑸땲?? 泥좎????ъ쑀 ?먭툑 ?댁뿉?쒕쭔 ?댁슜?댁빞 ?⑸땲??
  • ?좎슜?듭옄 諛?誘몄닔湲??덈? 湲덉?: 諛섎?留ㅻℓ(媛뺤젣 泥?궛) ?꾪뿕???덈뒗 ?덈쾭由ъ????섎씫?μ뿉??移섎챸?곸엯?덈떎. 諛섎뱶???꾧툑?쇰줈留?吏꾪뻾?섏꽭??
  • ?쇰낫?섏튂 吏€吏€??遺꾪븷 留ㅼ닔(1:2:3 鍮꾩쑉): ?쇱떆?????먭툑???l? 留먭퀬, 二쇱슂 吏€吏€?좊쭏??鍮꾩쨷???섎젮媛€??遺꾪븷 留ㅼ닔瑜??곸슜?댁빞 媛€???④낵?곸쑝濡??됰떒媛€瑜???텧 ???덉뒿?덈떎.

?뱤 二쇱떇 臾쇳?湲?怨꾩궛湲??묒? ?⑥닔 諛??섏떇 ?꾨꼍 媛€?대뱶

?묒?(Excel)?대굹 援ш? ?ㅽ봽?덈뱶?쒗듃?먯꽌 吏곸젒 臾쇳?湲?怨꾩궛湲곕? 援ы쁽?????ъ슜?섎뒗 ?쒖? ?섏떇怨??묒? ?⑥닔?낅땲?? ?곷떒??[?뱤 ?묒? 怨꾩궛???ㅼ슫濡쒕뱶 (.xlsx)] 踰꾪듉???꾨Ⅴ硫??꾨옒 ?섏떇??100% ?먮룞 ?낅젰???묒? ?뚯씪??利됱떆 臾대즺濡??ㅼ슫濡쒕뱶諛쏆븘 ?됰떒媛€ 愿€由??쇱?濡??쒖슜?섏떎 ???덉뒿?덈떎.

  • 2??遺꾪븷 留ㅼ닔 湲곕낯 ?됰떒媛€ ?묒? ?섏떇:
    =(B2*C2 + B3*C3) / (C2+C3) (B?? 留ㅼ닔?④?, C?? 蹂댁쑀?섎웾)
  • ?ㅽ쉶李?臾댄븳) 遺꾪븷 留ㅼ닔 ?묒? ?⑥닔:
    =SUMPRODUCT(B2:B10, C2:C10) / SUM(C2:C10) (SUMPRODUCT ?⑥닔濡?媛€以묓룊洹??④? 利됱떆 ?곗텧)
  • ?먭툑 ?뚮났 蹂몄쟾 ?덉텧 紐⑺몴 諛섎벑瑜??섏떇:
    =(?좉퇋?됰떒媛€ - ?꾩옱媛€) / ?꾩옱媛€ * 100

?뮕 二쇱떇 臾쇳?湲?怨꾩궛湲?臾대즺 ?뱀빋 & ?⑹뼱 珥앹젙由?

?뱰 二쇱떇 臾쇳?湲??산낵 ?먮━

'臾쇳?湲??€ 二쇨?媛€ ?섎씫?덉쓣 ??異붽? 留ㅼ닔瑜??듯빐 ?꾩껜 蹂댁쑀 二쇱떇???됯퇏?④?瑜???텛?? ?ъ옄 湲곕쾿?낅땲?? ?④?媛€ ??븘吏€硫??먯씡遺꾧린???꾨떖???꾩슂??諛섎벑??씠 ?덈컲 ?댄븯濡?以꾩뼱??땲??

?벑 100% 臾대즺 臾댁꽕移? 紐⑤컮????(PWA)

?깆뒪?좎뼱 ?ㅼ튂 ?놁씠 ?ㅻ쭏?명룿 釉뚮씪?곗? 硫붾돱??[???붾㈃?? 異붽?]瑜??꾨Ⅴ硫?1珥?留뚯뿉 ?ㅻ쭏?명룿 ?깆쑝濡??ㅼ튂?섏뼱 ?몄젣??愿묎퀬 ?놁씠 臾대즺濡?諛붾줈 ?ㅽ뻾?⑸땲??

?룱 ?깃났?곸씤 臾쇳?湲곕? ?꾪븳 ?먭툑 ?댁슜 & ?덉꽭 湲덉쑖 媛€?대뱶

?뮕 利앷텒??鍮꾨?硫?怨꾩쥖媛쒖꽕 諛??섏닔猷??쒗깮: 二쇱떇 遺꾪븷 留ㅼ닔?€ ??? 異붽? 留ㅼ닔瑜?吏꾪뻾???뚮뒗 利앷텒?щ퀎 援?궡/誘멸뎅 二쇱떇 嫄곕옒 ?섏닔猷??곕? ?쒗깮(?됱깮 臾대즺 ?대깽?? 諛??섏쟾 ?곕???理쒕? 95%)??諛섎뱶???먭??섎뒗 寃껋씠 ?좊━?⑸땲??

?썳截?ISA(媛쒖씤醫낇빀?먯궛愿€由ш퀎醫? & ?곌툑?€異??덉꽭 ?쒖슜: 諛곕떦二?諛?怨좊같??ETF瑜?臾쇳?湲고븷 寃쎌슦, ?쇰컲 二쇱떇怨꾩쥖(諛곕떦?뚮뱷??15.4%) ?€??以묎컻?? ISA 怨꾩쥖(鍮꾧낵??500留뚯썝 + 遺꾨━怨쇱꽭 9.9%)瑜??쒖슜?섎㈃ 臾쇳?湲?湲곌컙 ?숈븞 ?섎졊?섎뒗 諛곕떦湲??멸툑???€???꾨굜 ???덉뒿?덈떎.

?좑툘 ?덈쾭由ъ? 諛??좎슜?€異?誘몄닔/?대낫?€異? 由ъ뒪??愿€由?/strong>: ?섎씫?μ뿉???좎슜?듭옄??二쇱떇?대낫?€異쒖쓣 ?댁슜??怨듦꺽??臾쇳?湲곕뒗 諛섎?留ㅻℓ ?꾪뿕???곕Ⅴ誘€濡? ?ъ쑀?먭툑(CMA ?뚰궧?듭옣 ?붽퀬) ?댁뿉??泥좎???遺꾪븷 留ㅼ닔?섎뒗 寃껋씠 ?κ린 ?앹〈???듭떖?낅땲??

SMART DCA FAQ

?뮠 二쇱떇 臾쇳?湲?& ?됰떒媛€ ?먯< 臾삳뒗 吏덈Ц (FAQ)

二쇱떇 臾쇳?湲? ?됰떒媛€ 怨꾩궛 諛?蹂몄쟾 ?덉텧??愿€??媛€??留롮씠 臾삳뒗 ?듭떖 吏덈Ц 紐⑥쓬

Q. 二쇱떇 臾쇳?湲곗? 遺덊?湲곗쓽 李⑥씠?먯? 臾댁뾿?멸???

臾쇳?湲곕뒗 留ㅼ닔??二쇨?媛€ ?섎씫?덉쓣 ??異붽? 留ㅼ닔?섏뿬 ?꾩껜 ?됯퇏?④?瑜???텛???섎씫??諛⑹뼱 ?꾨왂?낅땲?? 諛섎?濡?遺덊?湲곕뒗 二쇨?媛€ ?곸듅 異붿꽭?????섏씡瑜좎쓣 洹밸??뷀븯湲??꾪빐 異붽? 留ㅼ닔?섏뿬 鍮꾩쨷?? ?섎━???꾨왂?낅땲?? 臾쇳?湲곕뒗 諛섎벑 ??蹂몄쟾 ?덉텧 紐⑺몴媛€瑜???떠二쇱?留? 異붽? ?섎씫 ???먯떎?≪씠 而ㅼ쭏 ???덉뼱 怨꾪쉷??遺꾪븷 留ㅼ닔媛€ ?꾩닔?곸엯?덈떎.

Q. 臾쇳?湲?怨꾩궛湲??ъ슜 ??留ㅻℓ ?섏닔猷뚯? 利앷텒嫄곕옒?몃룄 怨좊젮?댁빞 ?섎굹??

?ㅼ젣 二쇱떇 嫄곕옒 ??援?궡 二쇱떇 湲곗? 利앷텒??嫄곕옒 ?섏닔猷뚯? 留ㅻ룄 ??利앷텒嫄곕옒??0.15~0.20%)媛€ 諛쒖깮?⑸땲?? 蹂?怨꾩궛湲곕뒗 ?먭툑怨??섎웾??湲곗??쇰줈 ?쒖닔 ?됰떒媛€瑜??뺣? ??궛?섎ʼn, ?섏닔猷뚮? 媛먯븞??寃쎌슦 蹂몄쟾 ?덉텧 ?꾩슂 諛섎벑瑜좎뿉 ??0.2~0.3%p???ъ쑀瑜??먭퀬 留ㅻ룄 紐⑺몴媛€瑜??〓뒗 寃껋씠 ?덉쟾?⑸땲??

Q. ?섎씫?μ뿉???깃났 ?뺣쪧???믪씠???④낵?곸씤 遺꾪븷 留ㅼ닔 ?먯튃?€?

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Q. 蹂몄쟾 ?덉텧???꾩슂??紐⑺몴 諛섎벑瑜?%)?€ ?대뼸寃??곗텧?섎굹??

蹂몄쟾 ?덉텧 ?꾩슂 諛섎벑瑜좎? ((理쒖쥌 ?⑹궛 ?됰떒媛€ - ?꾩옱 二쇨?) 첨 ?꾩옱 二쇨?) 횞 100 怨듭떇?쇰줈 怨꾩궛?⑸땲?? ?덈? ?ㅼ뼱 ?됰떒媛€媛€ 10留??먯뿉??臾쇳?湲곕? ?듯빐 8留??먯쑝濡???븘議뚭퀬 ?꾩옱 二쇨?媛€ 6留??먯씠?쇰㈃, 湲곗〈?먮뒗 66.7% 諛섎벑?댁빞 蹂몄쟾?댁뿀?쇰굹 臾쇳?湲??꾩뿉??33.3%留?諛섎벑?대룄 ?먭툑???뚯닔?????덇쾶 ?⑸땲??

?좑툘 ?ъ옄 ?좎쓽?ы빆 諛?踰뺤쟻 硫댁콉 怨좎? (Disclaimer) 蹂??ъ씠?몄뿉???쒓났?섎뒗 二쇨?, 諛곕떦湲? 諛곕떦?섏씡瑜? 臾쇳?湲?蹂듬━ ?쒕??덉씠??諛??멸툑/蹂듭? ?깆쓽 紐⑤뱺 湲덉쑖 ?곗씠?곕뒗 怨듦났?곗씠?고룷??諛??몃? 湲덉쑖 API瑜?諛뷀깢?쇰줈 ?섏쭛쨌媛€怨듬맂 李멸퀬???뺣낫?낅땲??
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