{"id":22471,"date":"2022-12-13T09:45:03","date_gmt":"2022-12-13T14:45:03","guid":{"rendered":"https:\/\/www.presbyterianfoundation.org\/?p=22471"},"modified":"2023-01-31T13:07:01","modified_gmt":"2023-01-31T18:07:01","slug":"%ed%88%ac%ec%9e%90%ed%95%98%ea%b8%b0-%ec%a0%84%ec%97%90-%ec%9e%90%ec%8b%a0%ec%9d%98-%ec%9c%84%ed%97%98-%ed%97%88%ec%9a%a9-%eb%b2%94%ec%9c%84%eb%a5%bc-%ec%9d%b4%ed%95%b4%ed%95%a9%eb%8b%88%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.presbyterianfoundation.org\/ko\/resources\/news\/understand-your-risk-tolerance-before-investing\/","title":{"rendered":"\ud22c\uc790\ud558\uae30 \uc804\uc5d0 \uc790\uc2e0\uc758 \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704\ub97c \uc774\ud574\ud558\uc138\uc694."},"content":{"rendered":"<blockquote><p>\uc7a5\ub85c\uad50 \uc7ac\ub2e8\uc758 \ud22c\uc790 \uad00\ub9ac \uc218\uc11d \ubd80\uc0ac\uc7a5\uc778 \uc544\ub2c8\ud0c0 \ud074\ub808\ubaac\uc2a4\ub294 \uc790\uc2e0\uc774\ub098 \uad50\ud68c\uc758 \uc7ac\uc815 \uc790\uc6d0\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub824\uba74 \uba3c\uc800 \uc7a0\uc7ac\uc801 \ud22c\uc790\uc758 \uc774\uc720, \ub300\uc0c1, \uc2dc\uae30\ub97c \uc774\ud574\ud574\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p><\/blockquote>\n<p>11\uc6d4 8\uc77c \uc7ac\ub2e8\uc758 \ud559\uc2b5\uc758 \ub0a0 \ud589\uc0ac\uc5d0\uc11c \"\ud380\ub4dc \uc720\ud615 \ubc14\ub85c \uc54c\uae30\"\ub77c\ub294 \uc8fc\uc81c\ub85c \ud504\ub808\uc820\ud14c\uc774\uc158\uc744 \uc9c4\ud589\ud588\uc2b5\ub2c8\ub2e4. \ud074\ub808\ubaac\uc2a4\ub294 \ud504\ub808\uc820\ud14c\uc774\uc158\uc5d0\uc11c \ub2e4\uc591\ud55c \uc720\ud615\uc758 \ud22c\uc790 \ubc29\uc2dd\uacfc \uace0\ub824\ud574\uc57c \ud560 \uc911\uc694\ud55c \uc694\uc18c\uc5d0 \ub300\ud574 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800 \ud22c\uc790 \ubaa9\ud45c\uc640 \uae30\uac04, \uadf8\ub9ac\uace0 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uc815\uc758\ud574\uc57c \ud55c\ub2e4\uace0 \uadf8\ub140\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub9ac\uace0 \uc7ac\uc815\uc801, \uc815\uc11c\uc801 \uc704\ud5d8\uc5d0 \ub300\ud55c \ub0b4\uc131\uc744 \uc774\ud574\ud558\uc138\uc694.<\/p>\n<p>\"\uc9c0\ub8e8\ud560 \uac70\uc608\uc694.\" \ud074\ub808\ubaac\uc2a4\uac00 \uc6c3\uc73c\uba70 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubba4\ucd94\uc5bc \ud380\ub4dc \ub4f1<\/p>\n<p>\ubbf8\uad6d \uac00\uad6c\uc758 \uc57d 441\uc870 3\ucc9c\uc5b5 \ub2ec\ub7ec\uac00 \ubba4\ucd94\uc5bc \ud380\ub4dc\ub97c \uc18c\uc720\ud558\uace0 \uc788\uc73c\uba70, \ub300\ubd80\ubd84 \uc740\ud1f4 \uc800\ucd95\uc744 \ubaa9\uc801\uc73c\ub85c \ud569\ub2c8\ub2e4. \uc0ac\ub78c\ub4e4\uc740 \uc608\uae08\uc99d\uc11c, \uc800\ucd95\ucc44\uad8c \ub610\ub294 \uad6d\ucc44\ubcf4\ub2e4 \ub192\uc740 \uc218\uc775\uc744 \uc5bb\uae30 \uc704\ud574 \ubba4\ucd94\uc5bc \ud380\ub4dc\uc5d0 \ud22c\uc790\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc77c\ubc18\uc801\uc73c\ub85c \ubba4\ucd94\uc5bc \ud380\ub4dc\ub294 3\ub144 \uc774\uc0c1, \uac00\uae09\uc801\uc774\uba74 10\ub144 \uc774\uc0c1\uc758 \uae30\uac04\uc5d0 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc88b\ub2e4\uace0 \ud074\ub808\ubaac\uc2a4\ub294 \ub9d0\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c $1,000\ub9cc \uc788\uc73c\uba74 \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubba4\ucd94\uc5bc \ud380\ub4dc\ub294 \uc804\ubb38\uc801\uc73c\ub85c \uad00\ub9ac\ub418\uba70 \uc5b4\ub290 \uc815\ub3c4 \uc720\ub3d9\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub300\ubd80\ubd84\uc758 \ubba4\ucd94\uc5bc \ud380\ub4dc\ub294 \uc218\uc775\ub960\uc774 \ubcf4\uc7a5\ub418\ub294 \ud22c\uc790\ubcf4\ub2e4 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub354 \ud070 \uc218\uc775\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc190\uc2e4\uc744 \ubcfc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uc704\ud5d8\uc73c\ub85c \uc778\ud574 \ud22c\uc790\ud55c \uae08\uc561\uc758 \uc77c\ubd80 \ub610\ub294 \uc804\ubd80\ub97c \uc783\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uc6d0\uae08\uc774\ub77c\uace0 \ud568). \uc774\ub294 \ube60\ub978 \uc218\uc775\uc5d0 \ub300\ud55c \uc695\uad6c, \uc190\uc2e4\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0 \ub4f1\uc744 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ud22c\uc790\ud558\uae30 \uc804\uc5d0 \uac00\uce58 \ub610\ub294 \uc6d0\uae08 \uc911 \uc5b4\ub290 \uc815\ub3c4\uc758 \uc190\uc2e4\uc744 \uac10\uc218\ud560 \uc218 \uc788\ub294\uc9c0 \uacb0\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub2e4\uac01\ud654\ud574\uc57c \ud55c\ub2e4\uace0 \ud074\ub808\ubaac\uc2a4\ub294 \ucd09\uad6c\ud588\uc2b5\ub2c8\ub2e4. \ud558\ub098\uc758 \ubba4\ucd94\uc5bc \ud380\ub4dc\uac00 \uc218\ubc31 \uac1c\uc758 \uc8fc\uc2dd\uc774\ub098 \ucc44\uad8c\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc9c0\ub9cc \uc8fc\uc2dd \ud380\ub4dc, \ucc44\uad8c \ud380\ub4dc, \uba38\ub2c8\ub9c8\ucf13 \ud380\ub4dc \ub4f1\uc73c\ub85c \uc704\ud5d8\uc744 \ubd84\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \ubba4\ucd94\uc5bc \ud380\ub4dc\ub97c \uc0ac\uace0 \ud30c\ub294 \ub370 \ub4dc\ub294 \ube44\uc6a9, \uc989 \uc120\ucde8, \ud6c4\ucde8, \ubb34\ucde8 \ub610\ub294 \uc120\ucde8 \uba74\uc81c, \ube44\uc6a9 \ube44\uc728\uc5d0 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud074\ub808\ubaac\uc2a4\ub294 \ud380\ub4dc\uc758 \uacfc\uac70 \uc131\uacfc\uac00 \ubbf8\ub798 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub140\ub294 \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 \uc7ac\uc784 \uae30\uac04\uc744 \ud655\uc778\ud560 \uac83\uc744 \uc81c\uc548\ud588\uc2b5\ub2c8\ub2e4. \ud380\ub4dc\uac00 5\ub144 \ub3d9\uc548 \uc88b\uc740 \uc131\uacfc\ub97c \ub0c8\uc9c0\ub9cc \ub9e4\ub2c8\uc800\uc758 \uacbd\ub825\uc774 1\ub144\ubc16\uc5d0 \ub418\uc9c0 \uc54a\uc558\ub2e4\uba74 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc720\ud615\uc758 \ud380\ub4dc\ub294 \uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc(ETF)\uc785\ub2c8\ub2e4. \ubba4\ucd94\uc5bc \ud380\ub4dc\ub294 1924\ub144\ubd80\ud130 \uc874\uc7ac\ud574 \uc654\uc9c0\ub9cc, ETF\ub294 1993\ub144\uc5d0 \ucd9c\uc2dc\ub41c \ube44\uad50\uc801 \uc0c8\ub85c\uc6b4 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ub458 \ub2e4 \ub2e4\uc591\ud55c \uc790\uc0b0\uc73c\ub85c \uad6c\uc131\ub418\uc9c0\ub9cc \uac70\ub798 \ubc29\uc2dd\uc5d0 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. ETF\ub294 \uc8fc\uc2dd\ucc98\ub7fc \uc7a5\uc911 \uac70\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubba4\ucd94\uc5bc \ud380\ub4dc\ub294 \uc21c\uc790\uc0b0 \uac00\uce58\uc5d0 \ub530\ub77c \ub9e4 \uac70\ub798\uc77c \uc885\ub8cc \uc2dc\uc810\uc5d0\ub9cc \ub9e4\uc218\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubba4\ucd94\uc5bc \ud380\ub4dc\uc640 ETF\uc758 \uc720\ud615\uc5d0\ub294 \ub300\ud615\uc8fc \ud380\ub4dc, \uc18c\ud615\uc8fc \ud380\ub4dc, \uac00\uce58\uc8fc('\ud310\ub9e4 \uc911'\uc774\ub77c\uace0 \ubd80\ub985\ub2c8\ub2e4.) \ud380\ub4dc, \uc131\uc7a5\uc8fc \ud380\ub4dc, \uc778\ucef4 \ud380\ub4dc, \ucc44\uad8c \ud380\ub4dc, \uc790\uc0b0 \ubc30\ubd84 \ud380\ub4dc, \ubaa9\ud45c \ub0a0\uc9dc \ud380\ub4dc \ubc0f \uba38\ub2c8\ub9c8\ucf13 \ud380\ub4dc\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud074\ub808\ubaac\uc2a4\ub294 \uc218\uc775\uc740 \ubc1c\uc0dd\ud558\uc9c0\ub9cc \uc790\ubcf8 \uc774\ub4dd\uc740 \uac70\uc758 \uc5c6\ub294 \uc800\uc704\ud5d8 \uba38\ub2c8\ub9c8\ucf13 \ud380\ub4dc\uac00 2022\ub144\uc5d0 \ud6cc\ub96d\ud55c '\uc8fc\ucc28 \uacf5\uac04'\uc774 \ub420 \uac83\uc774\ub77c\uace0 \ub367\ubd99\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac00\uc7a5 \uc911\uc694\ud55c \uacb0\uc815\uc740 \uc790\uc0b0 \ubc30\ubd84\uc774\ub77c\uace0 \uadf8\ub140\ub294 \ub9d0\ud569\ub2c8\ub2e4. \ud55c \ud380\ub4dc \ud074\ub798\uc2a4\uc5d0 \uc720\ub9ac\ud55c \uc2dc\uc7a5 \uc0c1\ud669\uc774 \ub2e4\ub978 \ud380\ub4dc \ud074\ub798\uc2a4\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub2e4\uac01\ud654\ub97c \ud1b5\ud574 \uc704\ud5d8\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \uc131\uc7a5\uc5d0 \uc9d1\uc911\ud558\uc138\uc694.<\/p>\n<p>\uc120\ud55c \ud22c\uc790<\/p>\n<p>\ud074\ub808\ubaac\uc2a4\ub294 \uc0ac\ud68c\uc801 \ucc45\uc784 \ud22c\uc790\ub294 \ubaa8\ub4e0 \uc720\ud615\uc758 \ud380\ub4dc\uc5d0\uc11c \uc774\ub8e8\uc5b4\uc9c8 \uc218 \uc788\ub2e4\uace0 \uc5b8\uae09\ud588\uc2b5\ub2c8\ub2e4. \ub610\ud55c ESG(\ud658\uacbd, \uc0ac\ud68c, \uac70\ubc84\ub10c\uc2a4) \uc694\uc18c\ub294 \uae30\uc5c5\uc758 \uc218\uc775\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uac83\uc73c\ub85c \uc785\uc99d\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ub354 \ub098\uc740 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc218\uc775\ub960\ub85c \uc774\uc5b4\uc9c8 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ub2e8\uc758 \uc2e0\uc559 \uae30\ubc18 \ud22c\uc790\uc5d0 \ub300\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \uc138 \uac00\uc9c0 \uae30\ub465\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc2ec\uc0ac: \uc7a5\ub85c\uad50\uc801 \uac00\uce58\uc5d0 \ub530\ub77c \ud22c\uc790 \ub300\uc0c1\uc744 \uc120\uc815\ud569\ub2c8\ub2e4;<\/li>\n<li>\uc8fc\uc8fc \uc639\ud638: \uc0ac\ud68c\uc801\uc73c\ub85c \ucc45\uc784 \uc788\ub294 \uad00\ud589\uacfc \uc808\ucc28\uc5d0 \ub300\ud574 \ud22c\uc790\uc790\uac00 \ubaa9\uc18c\ub9ac\ub97c \ub0b4\ub294 \uac83;<\/li>\n<li>\uc9c0\uc5ed\uc0ac\ud68c \ud22c\uc790: \uc9c0\uc5ed\uc0ac\ud68c\uc640 \uc138\uc0c1\uc5d0 \uae0d\uc815\uc801\uc778 \ubcc0\ud654\ub97c \ucc3d\ucd9c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \ub2e4\uc74c \uc5f0\ub77d\ucc98\ub85c \ubb38\uc758\ud558\uc138\uc694. <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/%ec%84%9c%eb%b9%84%ec%8a%a4\/%eb%b6%80%ec%b2%98-%ea%b4%80%ea%b3%84-%eb%8b%b4%eb%8b%b9%ea%b4%80\/\">\ubd80\ucc98 \uad00\uacc4 \ub2f4\ub2f9\uad00<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>To make your own or your church\u2019s financial resources work for you, first understand the why, what and when of any potential investment, said Anita Clemons, Senior Vice President of [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":22476,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-22471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/posts\/22471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/comments?post=22471"}],"version-history":[{"count":0,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/posts\/22471\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/media\/22476"}],"wp:attachment":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/media?parent=22471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/categories?post=22471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/tags?post=22471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}