{"id":13,"date":"2026-05-27T22:10:32","date_gmt":"2026-05-27T13:10:32","guid":{"rendered":"http:\/\/ysjh9087.mycafe24.com\/?p=13"},"modified":"2026-05-27T22:10:34","modified_gmt":"2026-05-27T13:10:34","slug":"%eb%aa%a8%eb%93%a0-%ea%b2%bd%ec%a0%9c-%ea%b3%84%ec%a0%88%ec%9d%84-%ea%b2%ac%eb%94%94%eb%8a%94-%ec%9a%b0%ec%82%b0-%ec%98%ac%ec%9b%a8%eb%8d%94-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4","status":"publish","type":"post","link":"https:\/\/antsnowball.com\/?p=13","title":{"rendered":"\ubaa8\ub4e0 \uacbd\uc81c \uacc4\uc808\uc744 \uacac\ub514\ub294 \uc6b0\uc0b0: \uc62c\uc6e8\ub354 \ud3ec\ud2b8\ud3f4\ub9ac\uc624"},"content":{"rendered":"\n

<\/p>\n\n\n\n

\uc774\uc804\uc5d0 \ud568\uaed8 \uc774\uc57c\uae30 \ub098\ub204\uc5c8\ub358 60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/strong>\uac00 \uc790\uc0b0 \ubc30\ubd84\uc758 ‘\ud074\ub798\uc2dd \ub514\ud3f4\ud2b8’\ub77c\uba74, \uc624\ub298 \uc774\uc57c\uae30\ud560 \uc62c\uc6e8\ub354(All Weather) \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/strong>\ub294 \uadf8 \ud074\ub798\uc2dd\uc758 \uce58\uba85\uc801\uc778 \uc57d\uc810\uc744 \ubcf4\uc644\ud558\uae30 \uc704\ud574 \ub098\ud0c0\ub09c ‘\ub05d\ud310\uc655 \ubc29\uc5b4\ud615 \uc804\ub7b5’\uc785\ub2c8\ub2e4. \uc138\uacc4\uc801\uc778 \ud5e4\uc9c0\ud380\ub4dc \ub9e4\ub2c8\uc800 \ub808\uc774 \ub2ec\ub9ac\uc624(Ray Dalio)\uac00 \uc124\uacc4\ud55c \uac83\uc73c\ub85c \uc720\uba85\ud558\uc8e0.<\/p>\n\n\n\n

60\/40\uacfc \ube44\uad50\ud574 \ubcf4\uba74\uc11c, \uc65c \uc774 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc774\ub984\uc774 ‘\ubaa8\ub4e0 \ub0a0\uc528(All Weather)\ub97c \uacac\ub514\ub294 \uc6b0\uc0b0’\uc778\uc9c0 \uc27d\uace0 \uad6c\uccb4\uc801\uc73c\ub85c \ud480\uc5b4\ub4dc\ub9b4\uac8c\uc694.<\/p>\n\n\n\n

1. 60\/40\uc758 \uce58\uba85\uc801\uc778 \uc57d\uc810\uacfc \uc62c\uc6e8\ub354\uc758 \ub4f1\uc7a5<\/h2>\n\n\n\n

\uc774\uc804\uc5d0 \ubcf8 60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub294 “\uc8fc\uc2dd\uc774 \ub5a8\uc5b4\uc9c8 \ub54c \ucc44\uad8c\uc774 \ubc84\ud168\uc904 \uac83”\uc774\ub77c\ub294 \ubbff\uc74c\uc5d0 \uae30\ubc18\ud569\ub2c8\ub2e4. \ub300\uac1c\ub294 \uc774 \uacf5\uc2dd\uc774 \uc798 \ub9de\uc544\ub5a8\uc5b4\uc9c0\uc9c0\ub9cc, \ub531 \ud558\ub098\uc758 \uae30\ud6c4\ub97c \ub9cc\ub098\uba74 \ub9e5\uc744 \ubabb \ucda5\ub2c8\ub2e4. \ubc14\ub85c ‘\uace0\ubb3c\uac00(\uc778\ud50c\ub808\uc774\uc158)’\ub77c\ub294 \ub0a0\uc528\uc785\ub2c8\ub2e4. \ubb3c\uac00\uac00 \uce58\uc19f\uace0 \uae08\ub9ac\uac00 \uae09\uaca9\ud788 \uc624\ub974\uba74 \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc774 \ub3d9\uc2dc\uc5d0 \ud3ed\ub77d\ud558\ub294 \ud604\uc0c1\uc774 \ubc1c\uc0dd\ud558\uac70\ub4e0\uc694.<\/p>\n\n\n\n

\ub808\uc774 \ub2ec\ub9ac\uc624\ub294 \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uacbd\uc81c\uc758 \ub0a0\uc528\ub97c \ud06c\uac8c 4\uac00\uc9c0 \uc2dc\uc98c<\/strong>\uc73c\ub85c \ub098\ub204\uace0, \uc5b4\ub5a4 \ub0a0\uc528\uac00 \uc624\ub4e0 \ubb34\uc870\uac74 \ub3c8\uc744 \ubc84\ub294 \uc790\uc0b0\uc774 \uc788\ub3c4\ub85d \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc9f0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uacbd\uc81c\uc758 4\uac00\uc9c0 \uc0ac\uacc4\uc808\uacfc \uc800\uaca9 \uc790\uc0b0<\/h3>\n\n\n\n
    \n
  • \ubd04 (\uc131\uc7a5 \u2191) :<\/strong> \uc8fc\uc2dd, \uc6d0\uc790\uc7ac\uac00 \uc798 \ub098\uac11\ub2c8\ub2e4.<\/li>\n\n\n\n
  • \uc5ec\ub984 (\ubb3c\uac00 \u2191) :<\/strong> \uc6d0\uc790\uc7ac, \uae08\uc774 \ud3ed\ub4f1\ud569\ub2c8\ub2e4. (60\/40\uc774 \ubd95\uad34\ud558\ub294 \uad6c\uac04)<\/li>\n\n\n\n
  • \uac00\uc744 (\uc131\uc7a5 \u2193) :<\/strong> \ucc44\uad8c\uc774 \ud798\uc744 \ubc1c\ud718\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n
  • \uaca8\uc6b8 (\ubb3c\uac00 \u2193) :<\/strong> \uc804\ud1b5\uc801\uc778 \uad6d\ucc44\uac00 \uac00\uc7a5 \uc548\uc804\ud55c \ud53c\ub09c\ucc98\uac00 \ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n

    2. 60\/40 vs \uc62c\uc6e8\ub354 \uad6c\uc131 \ube44\uad50<\/h2>\n\n\n\n

    \ub3c8\uc758 \uc561\uc218(\uc790\ubcf8)\ub97c \uae30\uc900\uc73c\ub85c \ub2e8\uc21c\ud788 \ub098\ub208 60\/40\uacfc \ub2ec\ub9ac, \uc62c\uc6e8\ub354\ub294 ‘\uc704\ud5d8\uc758 \ud06c\uae30(\ubcc0\ub3d9\uc131)’\ub97c \uae30\uc900\uc73c\ub85c \uade0\ud615\uc744 \ub9de\ucdc4\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\uc740 \ucc44\uad8c\ubcf4\ub2e4 \ub300\ub7b5 3\ubc30 \ub354 \ucd9c\ub801\uc774\uae30 \ub54c\ubb38\uc5d0, \uc9c4\uc9dc \uade0\ud615\uc744 \uc7a1\uc73c\ub824\uba74 \ubcc0\ub3d9\uc131\uc774 \uc801\uc740 \ucc44\uad8c\uc758 \ubab8\uc9d1\uc744 \ud6e8\uc52c \ubd88\ub824\uc57c \ud55c\ub2e4\ub294 \ub17c\ub9ac(\ub9ac\uc2a4\ud06c \ud328\ub9ac\ud2f0)\uc8e0.<\/p>\n\n\n\n

    \ub450 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc2e4\uc81c \uad6c\uc131 \ube44\uc911\uc744 \uc9c1\uad00\uc801\uc73c\ub85c \ube44\uad50\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

    \uc790\uc0b0\uad70<\/strong><\/td>60\/40 \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/strong><\/td>\uc62c\uc6e8\ub354 \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/strong><\/td>\ud575\uc2ec \uc5ed\ud560<\/strong><\/td>\ub300\ud45c \ubbf8\uad6d ETF \uc608\uc2dc<\/strong><\/td><\/tr><\/thead>
    \uc8fc\uc2dd<\/strong><\/td>60%<\/strong><\/td>30%<\/strong><\/td>\uacbd\uc81c \uc131\uc7a5\uae30 \uc218\uc775 \uacac\uc778<\/td>VTI<\/code> (\ubbf8\uad6d \uc804\uccb4 \uc8fc\uc2dd)<\/td><\/tr>
    \uc7a5\uae30 \ucc44\uad8c<\/strong><\/td>40%<\/strong> (\uc911\ub2e8\uae30 \ud3ec\ud568)<\/td>40%<\/strong><\/td>\ubd88\uacbd\uae30\u00b7\ub514\ud50c\ub808\uc774\uc158 \ubc29\uc5b4 (\ub9cc\uae30 20\ub144+)<\/td>TLT<\/code> (\ubbf8\uad6d \uc7a5\uae30\uad6d\ucc44)<\/td><\/tr>
    \uc911\uae30 \ucc44\uad8c<\/strong><\/td>–<\/td>15%<\/strong><\/td>\uc911\uac04 \uc9c0\ub300 \uc644\ucda9 \uc7a5\uce58 (\ub9cc\uae30 7~10\ub144)<\/td>IEF<\/code> (\ubbf8\uad6d \uc911\uae30\uad6d\ucc44)<\/td><\/tr>
    \uae08<\/strong><\/td>–<\/td>7.5%<\/strong><\/td>\uc2a4\ud0dc\uadf8\ud50c\ub808\uc774\uc158, \ud1b5\ud654 \uac00\uce58 \ud558\ub77d \ubc29\uc5b4<\/td>GLD<\/code> \ub610\ub294 IAU<\/code><\/td><\/tr>
    \uc6d0\uc790\uc7ac<\/strong><\/td>–<\/td>7.5%<\/strong><\/td>\uc778\ud50c\ub808\uc774\uc158(\ubb3c\uac00 \uc0c1\uc2b9) \uae09\ub4f1\uae30 \ubc29\uc5b4<\/td>PDBC<\/code> \ub610\ub294 DJP<\/code><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    \uc62c\uc6e8\ub354 \uad6c\uc131\uc758 \ud575\uc2ec \ub514\ud14c\uc77c<\/h3>\n\n\n\n
      \n
    • \ucc44\uad8c \ube44\uc911\uc774 \ubb34\ub824 55%:<\/strong> \uc7a5\uae30\ucc44(40%)\uc640 \uc911\uae30\ucc44(15%)\ub97c \ud569\uccd0 \uc808\ubc18 \uc774\uc0c1\uc744 \ucc44\uad8c\uc5d0 \ub461\ub2c8\ub2e4. \uc774 \uac15\ub825\ud55c \ucc44\uad8c \ubc29\uc5b4\ub9c9 \ub355\ubd84\uc5d0 \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ubc18\ud1a0\ub9c9\uc774 \ub098\ub3c4 \ub0b4 \uacc4\uc88c\ub294 \ub4e0\ub4e0\ud558\uac8c \ubc84\ud301\ub2c8\ub2e4.<\/li>\n\n\n\n
    • \uc6d0\uc218 \uac19\ub358 \uc6d0\uc790\uc7ac\uc640 \uae08\uc758 \ud569\ub958 (15%):<\/strong> 60\/40\uc5d0\ub294 \uc5c6\ub358 \uae08\uacfc \uc6d0\uc790\uc7ac\uac00 \uac01\uac01 7.5%\uc529 \ub4e4\uc5b4\uac11\ub2c8\ub2e4. \uc774 \uce5c\uad6c\ub4e4\uc774 \ubc14\ub85c 60\/40\uc758 \uc0ac\uac01\uc9c0\ub300\uc600\ub358 ‘\uace0\ubb3c\uac00 \uc1fc\ud06c’\ub97c \uc815\uba74\uc73c\ub85c \ub9c9\uc544\uc8fc\ub294 \ud2b9\uacf5\ub300<\/strong>\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n

      3. \ub0b4 \uc9c0\uac11 \uad00\uc810\uc5d0\uc11c \ubcf4\ub294 \uc7a5\ub2e8\uc810<\/h2>\n\n\n\n

      \ud83d\udc4d \uc7a5\uc810 : \ub9c8\uc74c \ud3b8\ud55c \uc219\uba74 \ud22c\uc790<\/h3>\n\n\n\n
        \n
      • \uadf9\ub2e8\uc801\uc778 \ubc29\uc5b4\ub825 (\ub0ae\uc740 MDD):<\/strong> \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ubb34\ub108\uc84c\ub358 \uc5ed\uc0ac\uc801 \ud3ed\ub77d\uc7a5\uc5d0\uc11c\ub3c4 \uc62c\uc6e8\ub354\uc758 \uace0\uc810 \ub300\ube44 \ucd5c\ub300 \ud558\ub77d\ud3ed(MDD)\uc740 \ub300\uac1c -10% ~ -15% \uc548\ud30e\uc5d0\uc11c \ubc29\uc5b4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. S&P 500\uc774 \ubc18\ud1a0\ub9c9(-50%) \ub0a0 \ub54c \uc774 \uc815\ub3c4\uba74 \ub044\ub5a1\uc5c6\ub294 \uc218\uc900\uc774\uc8e0.<\/li>\n\n\n\n
      • \uc608\uce21 \ubd88\ud544\uc694:<\/strong> \ub0b4\ub144 \uacbd\uae30\uac00 \uc88b\uc544\uc9c8\uc9c0, \ubb3c\uac00\uac00 \uc624\ub97c\uc9c0 \ud0c0\uc774\ubc0d\uc744 \ub9de\ucd94\ub824\uace0 \uc2a4\ud2b8\ub808\uc2a4\ubc1b\uc744 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \ub0a0\uc528\uac00 \uc624\ub4e0 \ub300\uc751\ud560 \ubb34\uae30\uac00 \uc774\ubbf8 \ub2e4 \ub4e4\uc5b4\uc788\uc73c\ub2c8\uae4c\uc694.<\/li>\n<\/ul>\n\n\n\n

        \ud83d\udc4e \ub2e8\uc810 : \ud638\ud669\uae30\uc5d0\ub294 \uc9c0\ub8e8\ud568<\/h3>\n\n\n\n
          \n
        • \ub300\uc138 \uc0c1\uc2b9\uae30\uc5d0\uc11c\uc758 \uc18c\uc678\uac10:<\/strong> \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ubd88\ud0c0\uc624\ub974\ub294 \uac15\ub825\ud55c \uac15\uc138\uc7a5(Bull Market)\uc5d0\uc11c\ub294 \uc8fc\uc2dd \ube44\uc911\uc774 30%\ubc16\uc5d0 \uc548 \ub418\uae30 \ub54c\ubb38\uc5d0 \uc218\uc775\ub960\uc774 \ub2e4\uc18c \uc2ec\uc2ec\ud558\uac8c \ub290\uaef4\uc9d1\ub2c8\ub2e4.<\/li>\n\n\n\n
        • \uae08\ub9ac \uc0c1\uc2b9\uae30\uc758 \ubcc0\ub3d9\uc131:<\/strong> \ucc44\uad8c \ube44\uc911(55%)\uc774 \ub192\ub2e4 \ubcf4\ub2c8, \uc608\uce21 \ubc94\uc704\ub97c \ubc97\uc5b4\ub098 \uae08\ub9ac\uac00 \uc544\uc8fc \uac00\ud30c\ub974\uace0 \uac15\ub825\ud558\uac8c \uce58\uc19f\ub294 \uc774\ub840\uc801\uc778 \uc2dc\uae30\uc5d0\ub294 \ub2e8\uae30\uc801\uc73c\ub85c \ubd80\uce68\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n

          4. \ub514\ud14c\uc77c\ud55c \uc6b4\uc601 \ud301: \ub9ac\ubc38\ub7f0\uc2f1(Rebalancing)<\/h2>\n\n\n\n

          \uc62c\uc6e8\ub354\ub97c \uad74\ub9b4 \ub54c \uac00\uc7a5 \uc911\uc694\ud55c \uc720\uc77c\ud55c \ub178\ub3d9\uc740 ‘\ub9ac\ubc38\ub7f0\uc2f1’\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

          \uc608\ub97c \ub4e4\uc5b4, \uc778\ud50c\ub808\uc774\uc158\uc774 \uc2ec\ud574\uc838\uc11c \uae08\uacfc \uc6d0\uc790\uc7ac \uac00\uaca9\uc774 \ud3ed\ub4f1\ud558\uace0 \uc8fc\uc2dd\uc774 \ub5a8\uc5b4\uc9c0\uba74, \ucc98\uc74c\uc5d0 \uc124\uc815\ud55c 7.5%\uc600\ub358 \uae08 \ube44\uc911\uc774 12%\ub85c \ucee4\uc9c0\uace0 \uc8fc\uc2dd\uc740 25%\ub85c \uc904\uc5b4\ub4e4\uaca0\uc8e0. \uc774\ub54c 1\ub144\uc5d0 \ud55c \ubc88 \uc815\ub3c4<\/strong> \ube44\uc728\uc744 \ud655\uc778\ud558\uace0, \ub9ce\uc774 \uc624\ub978 \uae08\uc744 \uc77c\ubd80 \ud314\uc544\uc11c \uac00\uaca9\uc774 \uc2f8\uc9c4 \uc8fc\uc2dd\uc744 \ucc44\uc6cc \ub123\ub294 \uac81\ub2c8\ub2e4.<\/p>\n\n\n\n

          \uc774 \ub2e8\uc21c\ud55c \uc791\uc5c5\ub9cc\uc73c\ub85c \ud22c\uc790\uc790\ub294 \uc790\uc5f0\uc2a4\ub7fd\uac8c ‘\ube44\uc300 \ub54c \ud314\uace0 \uc300 \ub54c \uc0ac\ub294(\ub9e4\uace0\ub9e4\uc800)’<\/strong> \uc790\uc0b0\uac00\ub4e4\uc758 \ub9e4\ub9e4 \uacf5\uc2dd\uc744 \uae30\uacc4\uc801\uc73c\ub85c \uc2e4\ucc9c\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

          \n

          \uc694\uc57d\ud558\uc790\uba74<\/strong><\/p>\n\n\n\n

          \ub300\ubc15 \uc218\uc775\ubcf4\ub2e4\ub294 “\ub0b4 \uc790\uc0b0\uc744 \uc783\uc9c0 \uc54a\uace0, \ubb3c\uac00 \uc0c1\uc2b9\ub960 \uc774\uc0c1\uc73c\ub85c \uc548\uc804\ud558\uac8c \ubcf5\ub9ac\ub85c \ubd88\ub824 \ub098\uac00\uaca0\ub2e4”\ub294 \ud655\uace0\ud55c \ubc29\uc5b4\ud615 \ubaa9\uc801\uc744 \uac00\uc84c\uc744 \ub54c \uac00\uc7a5 \ube5b\uc744 \ubc1c\ud558\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc785\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"

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