{"id":11,"date":"2026-05-27T15:47:25","date_gmt":"2026-05-27T06:47:25","guid":{"rendered":"http:\/\/ysjh9087.mycafe24.com\/?p=11"},"modified":"2026-05-27T15:47:27","modified_gmt":"2026-05-27T06:47:27","slug":"%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a41-%ec%a0%84%ed%86%b5%ec%9d%98-60-40-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4","status":"publish","type":"post","link":"https:\/\/antsnowball.com\/?p=11","title":{"rendered":"&#8220;\ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc6241&#8221; &#8211; \uc804\ud1b5\uc758 60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 &#8211;"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\uc624\ub298 \ub2e4\ub8f0 \uc8fc\uc81c\ub294 \ud22c\uc790 \uc5c5\uacc4\uc758 &#8216;\uc62c\ub4dc \uac00\ub4dc(Old Guard)&#8217;\uc774\uc790, \uc790\uc0b0 \ubc30\ubd84\uc758 \uc601\uc6d0\ud55c \ud074\ub798\uc2dd\uc73c\ub85c \ubd88\ub9ac\ub294 &#8217;60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624(The Traditional 60\/40)&#8217;\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;\uc694\uc998 \uac19\uc740 \uc2dc\ub300\uc5d0 \ubb34\uc2a8 \uace0\ub9ac\ud0c0\ubd84\ud558\uac8c 60\/40\uc774\ub0d0&#8221;\ub77c\uace0 \ud558\uc2dc\ub294 \ubd84\ub4e4\ub3c4 \uc788\uaca0\uc9c0\ub9cc, \uc2dc\uc7a5\uc774 \ud754\ub4e4\ub9b4 \ub54c\ub9c8\ub2e4 \uacb0\uad6d \ud22c\uc790\uc790\ub4e4\uc774 \ub2e4\uc2dc \ucc3e\uac8c \ub418\ub294 \uc774 \uc804\ub7b5\uc758 \ubcf8\uc9c8\uacfc \ub514\ud14c\uc77c\ud55c \uc791\ub3d9 \uc6d0\ub9ac\ub97c \ud30c\ud5e4\uccd0 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. 60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub780 \ubb34\uc5c7\uc778\uac00?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\ub150\uc740 \uc544\uc8fc \uc9c1\uad00\uc801\uc785\ub2c8\ub2e4. \uc804\uccb4 \ud22c\uc790 \uc790\uc0b0\uc758 60%\ub294 \uc8fc\uc2dd(\uc131\uc7a5 \uc790\uc0b0)\uc5d0, 40%\ub294 \ucc44\uad8c(\uc548\uc804 \uc790\uc0b0)\uc5d0 \ud22c\uc790\ud558\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc8fc\uc2dd 60%:<\/strong> \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 &#8216;\uc5d4\uc9c4&#8217; \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \uc790\ubcf8 \uc99d\uc2dd(Capital Appreciation)\uacfc \uacf5\uaca9\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ucc44\uad8c 40%:<\/strong> \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 &#8216;\ube0c\ub808\uc774\ud06c&#8217;\uc774\uc790 &#8216;\uc5d0\uc5b4\ubc31&#8217;\uc785\ub2c8\ub2e4. \uc815\uae30\uc801\uc778 \uc774\uc790 \uc218\uc775(Coupons)\uc744 \uc81c\uacf5\ud558\uace0, \uc8fc\uc2dd\uc774 \ud3ed\ub77d\ud560 \ub54c \ud558\ubc29\uc744 \uc9c0\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udca1 \ud575\uc2ec \ucca0\ud559: &#8220;\uc591\uc758 \uc0c1\uad00\uad00\uacc4\ub97c \uae68\ub77c&#8221;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5ed\uc0ac\uc801\uc73c\ub85c \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc740 \ubc18\ub300\ub85c \uc6c0\uc9c1\uc774\ub294 \uacbd\ud5a5(\uc74c\uc758 \uc0c1\uad00\uad00\uacc4)\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \uacbd\uae30 \uce68\uccb4\ub85c \ubb34\ub108\uc9c0\uba74, \uc548\uc804\uc790\uc0b0\uc778 \ucc44\uad8c\uc73c\ub85c \uc790\uae08\uc774 \ubab0\ub9ac\uba70 \ucc44\uad8c \uac00\uaca9\uc774 \uc624\ub974\ub294 \uc6d0\ub9ac\ub97c \uc774\uc6a9\ud574 \uc804\uccb4 \uc790\uc0b0\uc758 \ubcc0\ub3d9\uc131\uc744 \ub0ae\ucd94\ub294 \uac83\uc774 \uc774 \uc804\ub7b5\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">2. \uc65c \ud558\ud544 &#8217;60&#8217;\uacfc &#8217;40&#8217;\uc77c\uae4c? (\uad6c\uccb4\uc801 \uba54\ucee4\ub2c8\uc998)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\ub9ce\uc740 \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728 \uc911 60\/40\uc774 \ud45c\uc900\uc774 \ub41c \uc774\uc720\ub294 <strong>&#8216;\uc704\ud5d8 \ub300\ube44 \uc218\uc775\ub960(Sharpe Ratio)&#8217;\uc758 \ud6a8\uc728\uc131\uc774 \uac00\uc7a5 \uadf9\ub300\ud654\ub418\ub294 \uc9c0\uc810<\/strong>\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc790\uc0b0\ubcc4 \uc5ed\ud560 \ubd84\ub2f4 \uc608\uc2dc (\uac00\uc7a5 \ud074\ub798\uc2dd\ud55c \uad6c\ud604\ubc95)<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\uc790\uc0b0\uad70<\/strong><\/td><td><strong>\ube44\uc911<\/strong><\/td><td><strong>\ub300\ud45c ETF \uc608\uc2dc<\/strong><\/td><td><strong>\uc8fc\uc694 \uc5ed\ud560<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>\ubbf8\uad6d \ub300\ud615\uc8fc<\/strong><\/td><td>40%<\/td><td>SPY \/ IVV \/ VOO (S&amp;P 500)<\/td><td>\uae00\ub85c\ubc8c \uacbd\uc81c \uc131\uc7a5\uc758 \uacfc\uc2e4 \uacf5\uc720, \uc8fc\ub3c4\uc8fc \ucc28\uc775 \uc2e4\ud604<\/td><\/tr><tr><td><strong>\uae00\ub85c\ubc8c \uc120\uc9c4\uad6d\/\uc2e0\ud765\uad6d \uc8fc\uc2dd<\/strong><\/td><td>20%<\/td><td>VEA, VWO \/ VXUS<\/td><td>\ubbf8\uad6d \uc2dc\uc7a5 \ud3b8\uc911\uc5d0 \ub300\ud55c \uc704\ud5d8 \ubd84\uc0b0 (\ud1b5\ud654 \ub2e4\ubcc0\ud654)<\/td><\/tr><tr><td><strong>\ubbf8\uad6d \uc885\ud569 \ucc44\uad8c (\uc6b0\ub7c9\uc8fc \uc911\uc2ec)<\/strong><\/td><td>30%<\/td><td>AGG \/ BND<\/td><td>\uad6d\ucc44 \ubc0f \uc6b0\ub7c9 \ud68c\uc0ac\ucc44\ub97c \ud1b5\ud55c \uc774\uc790 \uc218\uc775, \ucfe0\uc158 \uc5ed\ud560<\/td><\/tr><tr><td><strong>\ubbf8\uad6d \uc7a5\uae30 \uad6d\ucc44<\/strong><\/td><td>10%<\/td><td>TLT<\/td><td>\uc99d\uc2dc \uae09\ub77d(\ube14\ub799 \uc2a4\uc644) \ubc1c\uc0dd \uc2dc \uac15\ub825\ud55c \uac00\uaca9 \uc0c1\uc2b9 \ubc29\uc5b4\ub825<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">3. 60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ube44\ubc00 \ubb34\uae30: &#8216;\ub9ac\ubc38\ub7f0\uc2f1(Rebalancing)&#8217;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \ub2e8\uc21c\ud788 \ubb3b\uc5b4\ub450\uae30\ub9cc \ud574\ub3c4 \uc791\ub3d9\ud558\ub294 \uc774\uc720\ub294 \uc815\uae30\uc801\uc778 <strong>\ub9ac\ubc38\ub7f0\uc2f1<\/strong> \ub54c\ubb38\uc785\ub2c8\ub2e4. \ubcf4\ud1b5 6\uac1c\uc6d4\uc774\ub098 1\ub144\uc5d0 \ud55c \ubc88\uc529 \uae68\uc9c4 \ube44\uc728\uc744 \ub9de\ucdb0\uc8fc\ub294 \uc791\uc5c5\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\uc8fc\uac00 \uae09\ub4f1\uae30:<\/strong> \uc8fc\uc2dd\uc774 \uc62c\ub77c \ube44\uc728\uc774 70\/30\uc774 \ub418\uba74, \uc624\ub978 \uc8fc\uc2dd\uc744 \ud314\uc544\uc11c(\uace0\uc810 \ub9e4\ub3c4) \uc0c1\ub300\uc801\uc73c\ub85c \uc800\ud3c9\uac00\ub41c \ucc44\uad8c\uc744 \uc0bd\ub2c8\ub2e4(\uc800\uc810 \ub9e4\uc218).<\/li>\n\n\n\n<li><strong>\uc8fc\uac00 \ud3ed\ub77d\uae30:<\/strong> \uc8fc\uc2dd\uc774 \ub5a8\uc5b4\uc838 \ube44\uc728\uc774 50\/50\uc774 \ub418\uba74, \ubc84\ud168\uc900 \ucc44\uad8c\uc744 \uc77c\ubd80 \ud314\uc544\uc11c(\uace0\uc810 \ub9e4\ub3c4) \ubc18\ud1a0\ub9c9 \ub09c \uc8fc\uc2dd\uc744 \uc90d\uc2b5\ub2c8\ub2e4(\uc800\uc810 \ub9e4\uc218).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\uc778\uac04\uc758 \ud0d0\uc695\uacfc \uacf5\ud3ec\ub97c \ubc30\uc81c\ud558\uace0, <strong>\uc2dc\uc2a4\ud15c\uc801\uc73c\ub85c &#8216;\uc2f8\uac8c \uc0ac\uc11c \ube44\uc2f8\uac8c \ud30c\ub294&#8217; \ud589\uc704\ub97c \ubb34\ud55c \ubc18\ubcf5<\/strong>\ud558\uac8c \ub9cc\ub4dc\ub294 \ub9c8\ubc95\uc758 \uc7a5\uce58\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. &#8220;60\/40 \uc804\ub7b5\uc740 \uc8fd\uc5c8\ub2e4?&#8221; \uc704\uae30\uc640 \ubd80\ud65c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2022\ub144, \uc804 \uc138\uacc4 \uae08\uc735\uc2dc\uc7a5\uc740 \ud070 \ucda9\uaca9\uc5d0 \ube60\uc84c\uc2b5\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc774 \uce58\uc19f\uace0 \ubbf8 \uc5f0\uc900\uc774 \uae08\ub9ac\ub97c \uae09\uaca9\ud558\uac8c \uc62c\ub9ac\uba74\uc11c <strong>\uc8fc\uc2dd\uacfc \ucc44\uad8c\uc774 \ub3d9\uc2dc\uc5d0 20% \uac00\uae4c\uc774 \ud3ed\ub77d<\/strong>\ud55c \uac83\uc785\ub2c8\ub2e4. \ub2f9\uc2dc \ubbf8\ub514\uc5b4\uc5d0\uc11c\ub294 &#8220;60\/40 \uc804\ub7b5\uc758 \uc2dc\ub300\ub294 \ub05d\ub0ac\ub2e4&#8221;\ub294 \ud5e4\ub4dc\ub77c\uc778\uc774 \ub3c4\ubc30\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc65c \uadf8\ub7f0 \uc77c\uc774 \uc77c\uc5b4\ub0ac\uc744\uae4c?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubb3c\uac00\uac00 \uae09\ub4f1\ud560 \ub54c\ub294 \uae08\ub9ac\uac00 \uc624\ub974\uace0, \uae08\ub9ac\uac00 \uc624\ub974\uba74 \ucc44\uad8c \uac00\uaca9\uc740 \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uace0\uae08\ub9ac\ub294 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\ub3c4 \uc545\uc7ac\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc989, &#8216;\uc778\ud50c\ub808\uc774\uc158 \uc1fc\ud06c&#8217; \uad6d\uba74\uc5d0\uc11c\ub294 \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc758 \ubc29\uc5b4 \uba54\ucee4\ub2c8\uc998\uc774 \uc77c\uc2dc\uc801\uc73c\ub85c \uace0\uc7a5 \ub098\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026\ub144 \ud604\uc7ac\uc758 \uad00\uc810: \ud074\ub798\uc2dd\uc758 \uadc0\ud658<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc \uc5ed\uc0ac\uc801\uc73c\ub85c \uc774\ub7f0 \ub3d9\ubc18 \ud3ed\ub77d\uc740 \ub9e4\uc6b0 \ub4dc\ubb38 \uc774\ubca4\ud2b8\uc600\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uac00 \ub192\uc740 \uc218\uc900\uc5d0\uc11c \uc548\uc815\ud654\ub41c \uc774\ud6c4\uc778 \uc9c0\uae08, \ucc44\uad8c\uc740 \ub2e4\uc2dc \ub9e4\ub825\uc801\uc778 \uc774\uc790(Yield)\ub97c \uc81c\uacf5\ud558\uba70 \ubcf8\uc5f0\uc758 &#8216;\ubc29\uc5b4\ub9c9&#8217; \uc5ed\ud560\uc744 \ud68c\ubcf5\ud588\uc2b5\ub2c8\ub2e4. \uc624\ud788\ub824 \uace0\uae08\ub9ac \uc2dc\ub300\uc77c\uc218\ub85d 40%\uc758 \ucc44\uad8c\uc774 \uc8fc\ub294 \uace0\uc815 \uc774\uc790 \uc218\uc775\uc774 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uae30\ucd08 \uccb4\ub825\uc744 \ub2e8\ub2e8\ud558\uac8c \ub9cc\ub4e4\uc5b4\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. &#8216;\ud604\ub300\uc801 60\/40&#8217; \ubcf4\uc644\ucc45<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uacfc\uac70\uc758 \uc804\ud1b5\uc801\uc778 60\/40\uc744 \uadf8\ub300\ub85c \ub530\ub974\uae30\ubcf4\ub2e4, \ud2b8\ub80c\ub4dc\uc5d0 \ub9de\uac8c \uc544\uc8fc \uc0b4\uc9dd \ubcc0\uc8fc\ub97c \uc8fc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub300\uccb4 \uc790\uc0b0 \ud3b8\uc785 (55 \/ 35 \/ 10):<\/strong> \uc8fc\uc2dd 55%, \ucc44\uad8c 35%\ub85c \uc870\uae08\uc529 \uc904\uc774\uace0, \ub0a8\uc740 10%\ub97c <strong>\uae08(Gold)\uc774\ub098 \uc6d0\uc790\uc7ac, \ud639\uc740 \ube44\ud2b8\ucf54\uc778<\/strong> \uac19\uc740 \ub300\uc548 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud558\uc5ec \uc778\ud50c\ub808\uc774\uc158 \ud5e4\uc9c0 \ub2a5\ub825\uc744 \ubcf4\uc644\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ucc44\uad8c\uc758 \ub4c0\ub808\uc774\uc158(\ub9cc\uae30) \uc870\uc808:<\/strong> \uae08\ub9ac \ubcc0\ub3d9\uc131\uc774 \ud074 \ub54c\ub294 \uc7a5\uae30\ucc44 \ube44\uc911\uc744 \uc904\uc774\uace0, \ub2e8\uae30\ucc44\ub098 \ud604\uae08\uc131 \uc790\uc0b0(MMF) \ube44\uc911\uc744 \ub298\ub824 \ubc29\uc5b4\ub825\uc744 \ub192\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\ucd5c\uc885 \uc694\uc57d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub294 &#8216;\ub300\ubc15&#8217;\uc744 \ub0b4\ub294 \uc804\ub7b5\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc2dc\uc7a5\uc5d0\uc11c &#8216;\uc544\uc6c3(Out)&#8217;\ub2f9\ud558\uc9c0 \uc54a\uace0, \uc778\ud50c\ub808\uc774\uc158\uc744 \uc774\uae30\uba70, \uc790\uc0b0\uc744 \ubcf5\ub9ac\ub85c \uc548\uc804\ud558\uac8c \ubd88\ub824 \ub098\uac00\ub294 \ub370 \uc774\ubcf4\ub2e4 \ub354 \uac80\uc99d\ub41c \uc9c0\ub3c4\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc758 \ub300\uac00 \uc6cc\ub7f0 \ubc84\ud54f\uc774 \uc65c \ubcf8\uc778\uc758 \uc0ac\ud6c4\uc5d0 \uc544\ub0b4\uc5d0\uac8c \uc790\uc0b0\uc758 90%\ub294 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0, 10%\ub294 \uad6d\ucc44\uc5d0 \ub123\uc73c\ub77c\uace0 \ud588\ub294\uc9c0 \uadf8 \ubcf8\uc9c8\uc744 \uc0dd\uac01\ud574\ubcf4\uba74 \ub2f5\uc774 \ub098\uc635\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6c\ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc740 \ud604\uc7ac \uc790\uc0b0 \ubc30\ubd84\uc744 \uc5b4\ub5bb\uac8c \ud558\uace0 \uacc4\uc2dc\ub098\uc694? \uc774 \ud074\ub798\uc2dd\ud55c \uc804\ub7b5\uc5d0 \uc5ec\ub7ec\ubd84\ub9cc\uc758 \uc0c9\uae54\uc744 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