{"id":15,"date":"2026-05-27T22:58:08","date_gmt":"2026-05-27T13:58:08","guid":{"rendered":"http:\/\/ysjh9087.mycafe24.com\/?p=15"},"modified":"2026-05-27T22:58:10","modified_gmt":"2026-05-27T13:58:10","slug":"schd-vs-spy-%ec%99%84%eb%b2%bd-%eb%b9%84%ea%b5%90-%eb%82%98%ec%97%90%ea%b2%8c-%eb%a7%9e%eb%8a%94-etf%eb%8a%94-%ec%96%b4%eb%8a%90-%ec%aa%bd%ec%9d%bc%ea%b9%8c","status":"publish","type":"post","link":"https:\/\/antsnowball.com\/?p=15","title":{"rendered":"SCHD vs SPY \uc644\ubcbd \ube44\uad50 &#8211; \ub098\uc5d0\uac8c \ub9de\ub294 ETF\ub294 \uc5b4\ub290 \ucabd\uc77c\uae4c?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">SCHD vs SPY<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d ETF \ud22c\uc790\ub97c \uc2dc\uc791\ud558\uba74 \ubc18\ub4dc\uc2dc \ub9cc\ub098\uac8c \ub418\ub294 \ub450 \uac00\uc9c0 \uc774\ub984\uc774 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc14\ub85c <strong>SCHD<\/strong>\uc640 <strong>SPY<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;\ubc30\ub2f9\uc744 \ubc1b\uc73c\uba74\uc11c \ud22c\uc790\ud558\uace0 \uc2f6\ub2e4\uba74 SCHD&#8221;, &#8220;\uadf8\ub0e5 \uc2dc\uc7a5 \uc804\uccb4\uc5d0 \ud22c\uc790\ud558\uace0 \uc2f6\ub2e4\uba74 SPY&#8221;\ub77c\uace0 \ub2e8\uc21c\ud558\uac8c \uc54c\uace0 \uacc4\uc2e0 \ubd84\ub4e4\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc2e4\uc81c\ub85c\ub294 \uc5b4\ub5a4 \uc0c1\ud669\uc5d0\uc11c \uc5b4\ub5a4 ETF\uac00 \ub354 \uc720\ub9ac\ud55c\uc9c0, \uc218\uc775\ub960\uc740 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uc9c0, \uc138\uae08\uc740 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ub418\ub294\uc9c0\uae4c\uc9c0 \uc54c\uc544\uc57c \uc62c\ubc14\ub978 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uae00\uc5d0\uc11c\ub294 SCHD\uc640 SPY\ub97c <strong>\uc218\uc775\ub960, \ubc30\ub2f9\uae08, \uc704\ud5d8\uc131, \uc138\uae08<\/strong> 4\uac00\uc9c0 \uad00\uc810\uc5d0\uc11c \ucca0\uc800\ud558\uac8c \ube44\uad50\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1. SCHD vs SPY \uae30\ubcf8 \uc815\ubcf4<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>SCHD<\/th><th>SPY<\/th><\/tr><\/thead><tbody><tr><td>\uc815\uc2dd \uba85\uce6d<\/td><td>Schwab U.S. Dividend Equity ETF<\/td><td>SPDR S&amp;P 500 ETF Trust<\/td><\/tr><tr><td>\uc6b4\uc6a9\uc0ac<\/td><td>Charles Schwab<\/td><td>State Street Global Advisors<\/td><\/tr><tr><td>\ucd9c\uc2dc \uc5f0\ub3c4<\/td><td>2011\ub144<\/td><td>1993\ub144<\/td><\/tr><tr><td>\ucd94\uc885 \uc9c0\uc218<\/td><td>Dow Jones U.S. Dividend 100 Index<\/td><td>S&amp;P 500 Index<\/td><\/tr><tr><td>\uc885\ubaa9 \uc218<\/td><td>\uc57d 100\uac1c<\/td><td>\uc57d 500\uac1c<\/td><\/tr><tr><td>\uc6b4\uc6a9 \ubcf4\uc218<\/td><td>\uc5f0 0.06%<\/td><td>\uc5f0 0.095%<\/td><\/tr><tr><td>\ubc30\ub2f9 \uc218\uc775\ub960<\/td><td>\uc57d 3.5%<\/td><td>\uc57d 1.3%<\/td><\/tr><tr><td>\ubc30\ub2f9 \uc9c0\uae09<\/td><td>\ubd84\uae30\ubcc4 (\uc5f0 4\ud68c)<\/td><td>\ubd84\uae30\ubcc4 (\uc5f0 4\ud68c)<\/td><\/tr><tr><td>\uc6b4\uc6a9 \uc790\uc0b0 \uaddc\ubaa8<\/td><td>\uc57d 630\uc5b5 \ub2ec\ub7ec<\/td><td>\uc57d 5,800\uc5b5 \ub2ec\ub7ec<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\ud55c \uc904 \uc694\uc57d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SCHD<\/strong>: \ubc30\ub2f9\uc744 \ub9ce\uc774 \uc8fc\ub294 \uc6b0\ub7c9 \uae30\uc5c5 100\uac1c\ub97c \ubb36\uc740 ETF<\/li>\n\n\n\n<li><strong>SPY<\/strong>: \ubbf8\uad6d \ub300\ud45c 500\uac1c \uae30\uc5c5\uc744 \uadf8\ub300\ub85c \ub2f4\uc740 ETF<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. \uc5b4\ub5a4 \uc8fc\uc2dd\uc774 \ub4e4\uc5b4\uc788\ub098?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"809\" height=\"379\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image.png\" alt=\"\" class=\"wp-image-16\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image.png 809w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-300x141.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-768x360.png 768w\" sizes=\"auto, (max-width: 809px) 100vw, 809px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">SCHD \uc8fc\uc694 \uad6c\uc131 \uc885\ubaa9 (TOP 10)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD\ub294 \ub2e4\uc74c \uae30\uc900\uc73c\ub85c \uc885\ubaa9\uc744 \uc120\ubcc4\ud569\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10\ub144 \uc774\uc0c1 \ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud55c \uae30\uc5c5<\/li>\n\n\n\n<li>\uc7ac\ubb34 \uac74\uc804\uc131 (\ubd80\ucc44 \ube44\uc728, \ud604\uae08 \ud750\ub984)<\/li>\n\n\n\n<li>\ubc30\ub2f9 \uc218\uc775\ub960\uacfc \ubc30\ub2f9 \uc131\uc7a5\ub960<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\uc694 \uad6c\uc131 \uc885\ubaa9:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ucf54\uce74\ucf5c\ub77c (KO)<\/li>\n\n\n\n<li>\ube0c\ub85c\ub4dc\ucef4 (AVGO)<\/li>\n\n\n\n<li>AbbVie (ABBV)<\/li>\n\n\n\n<li>\ud654\uc774\uc790 (PFE)<\/li>\n\n\n\n<li>\ubc84\ub77c\uc774\uc98c (VZ)<\/li>\n\n\n\n<li>\uc2dc\uc2a4\ucf54 (CSCO)<\/li>\n\n\n\n<li>\ud648\ub514\ud3ec (HD) \ub4f1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc139\ud130 \ubc30\ubd84:<\/strong> \uae08\uc735 &gt; \ud5ec\uc2a4\ucf00\uc5b4 &gt; \uc18c\ube44\uc7ac &gt; IT &gt; \uc5d0\ub108\uc9c0 \uc21c<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">SPY \uc8fc\uc694 \uad6c\uc131 \uc885\ubaa9 (TOP 10)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SPY\ub294 \uc2dc\uac00\ucd1d\uc561 \uae30\uc900 S&amp;P 500 \uae30\uc5c5\uc744 \uadf8\ub300\ub85c \ub2f4\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc560\ud50c (AAPL): \uc57d 7%<\/li>\n\n\n\n<li>\ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8 (MSFT): \uc57d 6%<\/li>\n\n\n\n<li>\uc5d4\ube44\ub514\uc544 (NVDA): \uc57d 6%<\/li>\n\n\n\n<li>\uc544\ub9c8\uc874 (AMZN): \uc57d 4%<\/li>\n\n\n\n<li>\uc54c\ud30c\ubcb3 \uad6c\uae00 (GOOGL): \uc57d 2%<\/li>\n\n\n\n<li>\uba54\ud0c0 (META): \uc57d 2% \ub4f1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc139\ud130 \ubc30\ubd84:<\/strong> IT &gt; \ud5ec\uc2a4\ucf00\uc5b4 &gt; \uae08\uc735 &gt; \uc18c\ube44\uc7ac &gt; \uc0b0\uc5c5\uc7ac \uc21c<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud575\uc2ec \ucc28\uc774<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD\ub294 \uc804\ud1b5 \uc0b0\uc5c5 \uc911\uc2ec (\uae08\uc735, \ud5ec\uc2a4\ucf00\uc5b4, \uc18c\ube44\uc7ac) SPY\ub294 \ube45\ud14c\ud06c \uc911\uc2ec (\uc560\ud50c, \ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8, \uc5d4\ube44\ub514\uc544)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3. \uc218\uc775\ub960 \ube44\uad50 (2011-2024\ub144)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD\uac00 \ucd9c\uc2dc\ub41c 2011\ub144\ubd80\ud130 \ube44\uad50\ud574\ubcf4\uba74:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uae30\uac04<\/th><th>SCHD \uc218\uc775\ub960<\/th><th>SPY \uc218\uc775\ub960<\/th><\/tr><\/thead><tbody><tr><td>1\ub144 (2023)<\/td><td>+26.1%<\/td><td>+26.3%<\/td><\/tr><tr><td>3\ub144<\/td><td>+7.2%<\/td><td>+10.1%<\/td><\/tr><tr><td>5\ub144<\/td><td>+13.8%<\/td><td>+15.8%<\/td><\/tr><tr><td>10\ub144<\/td><td>+12.1%<\/td><td>+13.0%<\/td><\/tr><tr><td>\ucd9c\uc2dc \uc774\ud6c4 (2011~)<\/td><td>+12.4%<\/td><td>+14.2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"813\" height=\"428\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image-1.png\" alt=\"\" class=\"wp-image-17\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-1.png 813w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-1-300x158.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-1-768x404.png 768w\" sizes=\"auto, (max-width: 813px) 100vw, 813px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*\ubc30\ub2f9\uae08 \uc7ac\ud22c\uc790 \uae30\uc900, \uc138\uc804<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uacb0\ub860<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc7a5\uae30 \ucd1d\uc218\uc775\ub960\uc740 SPY\uac00 \uc57d\uac04 \uc55e\uc12d\ub2c8\ub2e4.<\/strong> \uc8fc\ub85c \ube45\ud14c\ud06c \uc885\ubaa9\uc758 \uae09\uaca9\ud55c \uc131\uc7a5 \ub355\ubd84\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc \uc774 \ucc28\uc774\ub294 \uc2dc\uae30\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ud2b9\ud788 2022\ub144\ucc98\ub7fc \uae08\ub9ac\uac00 \uc624\ub974\uace0 \uae30\uc220\uc8fc\uac00 \ud3ed\ub77d\ud55c \uc2dc\uae30\uc5d0\ub294 SCHD\uac00 SPY\ub97c \ud06c\uac8c \uc55e\uc130\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. \ubc30\ub2f9\uae08 \ube44\uad50<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"794\" height=\"273\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image-2.png\" alt=\"\" class=\"wp-image-18\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-2.png 794w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-2-300x103.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-2-768x264.png 768w\" sizes=\"auto, (max-width: 794px) 100vw, 794px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\uc5f0\uac04 \ubc30\ub2f9\uae08 \ube44\uad50 (1\ub9cc \ub2ec\ub7ec \ud22c\uc790 \uae30\uc900)<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud22c\uc790\uae08<\/th><th>SCHD \uc5f0 \ubc30\ub2f9\uae08<\/th><th>SPY \uc5f0 \ubc30\ub2f9\uae08<\/th><\/tr><\/thead><tbody><tr><td>1,000\ub9cc\uc6d0<\/td><td>\uc57d 35\ub9cc\uc6d0<\/td><td>\uc57d 13\ub9cc\uc6d0<\/td><\/tr><tr><td>5,000\ub9cc\uc6d0<\/td><td>\uc57d 175\ub9cc\uc6d0<\/td><td>\uc57d 65\ub9cc\uc6d0<\/td><\/tr><tr><td>1\uc5b5\uc6d0<\/td><td>\uc57d 350\ub9cc\uc6d0<\/td><td>\uc57d 130\ub9cc\uc6d0<\/td><\/tr><tr><td>3\uc5b5\uc6d0<\/td><td>\uc57d 1,050\ub9cc\uc6d0<\/td><td>\uc57d 390\ub9cc\uc6d0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc30\ub2f9\uae08\ub9cc \ub193\uace0 \ubcf4\uba74 SCHD\uac00 SPY\uc758 <strong>\uc57d 2.7\ubc30<\/strong> \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">SCHD \ubc30\ub2f9\uae08 \uc131\uc7a5\ub960<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD\uc758 \uac15\uc810\uc740 \ubc30\ub2f9\uae08 \uc790\uccb4\uac00 \ub9e4\ub144 \uc131\uc7a5\ud55c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2012\ub144: \uc8fc\ub2f9 $0.78<\/li>\n\n\n\n<li>2016\ub144: \uc8fc\ub2f9 $1.26<\/li>\n\n\n\n<li>2020\ub144: \uc8fc\ub2f9 $1.62<\/li>\n\n\n\n<li>2024\ub144: \uc8fc\ub2f9 $2.80 (\uc57d 10\ub144\uac04 260% \uc131\uc7a5)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc989, \uc9c0\uae08 SCHD\ub97c \uc0ac\uc11c 10\ub144 \ud6c4\uc5d0\ub294 \ucc98\uc74c\ubcf4\ub2e4 \ud6e8\uc52c \ub9ce\uc740 \ubc30\ub2f9\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. \ud558\ub77d\uc7a5\uc5d0\uc11c\uc758 \ube44\uad50<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"795\" height=\"373\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image-3.png\" alt=\"\" class=\"wp-image-19\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-3.png 795w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-3-300x141.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-3-768x360.png 768w\" sizes=\"auto, (max-width: 795px) 100vw, 795px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2022\ub144 \uae08\ub9ac \uc778\uc0c1 \uc2dc\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2022\ub144\uc740 \ubbf8 \uc5f0\uc900\uc774 \uacf5\uaca9\uc801\uc73c\ub85c \uae08\ub9ac\ub97c \uc62c\ub9ac\uba74\uc11c \uc8fc\uc2dd \uc2dc\uc7a5 \uc804\uccb4\uac00 \ud3ed\ub77d\ud55c \ud574\uc785\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SPY<\/strong>: -18.2% \ud558\ub77d<\/li>\n\n\n\n<li><strong>SCHD<\/strong>: -5.5% \ud558\ub77d<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uae30\uc220\uc8fc \uc911\uc2ec\uc758 SPY\uac00 \ud6e8\uc52c \ud06c\uac8c \ub5a8\uc5b4\uc84c\uace0, \ubc30\ub2f9 \uc911\uc2ec\uc758 SCHD\ub294 \ud6e8\uc52c \uc798 \ubc84\ud17c\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2020\ub144 \ucf54\ub85c\ub098 \ud3ed\ub77d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SPY<\/strong>: -34% \ud558\ub77d (2020\ub144 3\uc6d4 \uc800\uc810 \uae30\uc900)<\/li>\n\n\n\n<li><strong>SCHD<\/strong>: -29% \ud558\ub77d<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uc2dc\uae30\uc5d0\ub3c4 SCHD\uac00 \uc870\uae08 \ub354 \ubc84\ud17c\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2023-2024\ub144 AI \ub7a0\ub9ac<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc18\ub300\ub85c \uae30\uc220\uc8fc\uac00 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc131\uc7a5\ud55c \uc2dc\uae30\uc5d0\ub294:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SPY<\/strong>: \uc5d4\ube44\ub514\uc544, \uc560\ud50c \ub4f1 \uc8fc\ub3c4<\/li>\n\n\n\n<li><strong>SCHD<\/strong>: \uae30\uc220\uc8fc \ube44\uc911 \ub0ae\uc544 \uc0c1\ub300\uc801\uc73c\ub85c \uc0c1\uc2b9\ud3ed \uc81c\ud55c<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. \uc138\uae08 \ube44\uad50<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"799\" height=\"376\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image-4.png\" alt=\"\" class=\"wp-image-20\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-4.png 799w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-4-300x141.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-4-768x361.png 768w\" sizes=\"auto, (max-width: 799px) 100vw, 799px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\ubc30\ub2f9\uc18c\ub4dd\uc138<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d ETF \ubc30\ub2f9\uae08\uc744 \ubc1b\uc744 \ub54c \uc138\uae08\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uad6c\ubd84<\/th><th>SCHD<\/th><th>SPY<\/th><\/tr><\/thead><tbody><tr><td>\ubbf8\uad6d \uc6d0\ucc9c\uc138<\/td><td>15%<\/td><td>15%<\/td><\/tr><tr><td>\uc138\ud6c4 \ubc30\ub2f9 \uc218\uc775\ub960<\/td><td>\uc57d 2.9%<\/td><td>\uc57d 1.1%<\/td><\/tr><tr><td>\uc5f0\uac04 \ubc30\ub2f9\uae08 (1\uc5b5 \ud22c\uc790)<\/td><td>\uc57d 297\ub9cc\uc6d0<\/td><td>\uc57d 110\ub9cc\uc6d0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ub450 ETF \ubaa8\ub450 \ub3d9\uc77c\ud55c \uc138\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uae08\uc735\uc18c\ub4dd \uc885\ud569\uacfc\uc138 \uc8fc\uc758<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\uac04 \ubc30\ub2f9\uae08 + \uc774\uc790\uac00 <strong>2,000\ub9cc\uc6d0\uc744 \ucd08\uacfc<\/strong>\ud558\uba74 \uc885\ud569\uacfc\uc138 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4. SCHD \ubc30\ub2f9 \uc218\uc775\ub960\uc774 \ub192\uc740 \ub9cc\ud07c, \ub300\uaddc\ubaa8 \ud22c\uc790 \uc2dc \uc774 \uc810\uc744 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">7. \uc5b4\ub5a4 \uc0ac\ub78c\uc5d0\uac8c \uc5b4\ub5a4 ETF\uac00 \ub9de\uc744\uae4c?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"797\" height=\"355\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image-5.png\" alt=\"\" class=\"wp-image-21\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-5.png 797w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-5-300x134.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-5-768x342.png 768w\" sizes=\"auto, (max-width: 797px) 100vw, 797px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">SCHD\uac00 \ub9de\ub294 \uacbd\uc6b0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc30\ub2f9\uae08\uc73c\ub85c \uc0dd\ud65c\ube44\ub97c \ubcf4\ucda9\ud558\uace0 \uc2f6\uc740 \ubd84<\/li>\n\n\n\n<li>\uc740\ud1f4\ub97c \uc55e\ub450\uace0 \uc548\uc815\uc801\uc778 \ud604\uae08 \ud750\ub984\uc774 \ud544\uc694\ud55c \ubd84<\/li>\n\n\n\n<li>\uc2dc\uc7a5 \ud558\ub77d\uc7a5\uc5d0\uc11c \uc2ec\ub9ac\uc801 \uc548\uc815\uc774 \ud544\uc694\ud55c \ubd84<\/li>\n\n\n\n<li>\uc7a5\uae30\uc801\uc73c\ub85c \uafb8\uc900\ud55c \ubc30\ub2f9 \uc131\uc7a5\uc744 \uc6d0\ud558\ub294 \ubd84<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">SPY\uac00 \ub9de\ub294 \uacbd\uc6b0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubbf8\uad6d \uacbd\uc81c \uc804\uccb4\uc758 \uc131\uc7a5\uc744 \ub530\ub77c\uac00\uace0 \uc2f6\uc740 \ubd84<\/li>\n\n\n\n<li>\ub2e8\uae30 \ubc30\ub2f9\ubcf4\ub2e4 \uc7a5\uae30 \ucd1d\uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud558\uace0 \uc2f6\uc740 \ubd84<\/li>\n\n\n\n<li>\ube45\ud14c\ud06c \uae30\uc5c5\uc758 \uc131\uc7a5 \uc218\ud61c\ub97c \uc6d0\ud558\ub294 \ubd84<\/li>\n\n\n\n<li>\ud22c\uc790 \ucd08\ubcf4\uc790\ub85c\uc11c \uac00\uc7a5 \ub2e8\uc21c\ud55c \uc804\ub7b5\uc744 \uc6d0\ud558\ub294 \ubd84<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ub450 \uac00\uc9c0 \ubaa8\ub450 \ud22c\uc790\ud558\ub294 \uc870\ud569<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc0ac\uc2e4 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 SCHD\uc640 SPY\ub97c \ud568\uaed8 \ubcf4\uc720\ud569\ub2c8\ub2e4:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ucd94\ucc9c \uc870\ud569:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud22c\uc790\uc790 \uc720\ud615<\/th><th>SCHD<\/th><th>SPY<\/th><\/tr><\/thead><tbody><tr><td>\ubc30\ub2f9 \uc911\uc2ec<\/td><td>70%<\/td><td>30%<\/td><\/tr><tr><td>\uade0\ud615<\/td><td>50%<\/td><td>50%<\/td><\/tr><tr><td>\uc131\uc7a5 \uc911\uc2ec<\/td><td>30%<\/td><td>70%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">8. SCHD vs SPY \ud575\uc2ec \uc694\uc57d<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"783\" height=\"388\" src=\"http:\/\/ysjh9087.mycafe24.com\/wp-content\/uploads\/2026\/05\/image-6.png\" alt=\"\" class=\"wp-image-22\" srcset=\"https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-6.png 783w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-6-300x149.png 300w, https:\/\/antsnowball.com\/wp-content\/uploads\/2026\/05\/image-6-768x381.png 768w\" sizes=\"auto, (max-width: 783px) 100vw, 783px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\uacb0\ub860<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD\uc640 SPY \uc911 \ud558\ub098\uac00 \uc808\ub300\uc801\uc73c\ub85c \ub354 \ub0ab\ub2e4\uace0 \ub9d0\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uac01\uc790\uc758 \uc0c1\ud669\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \ucd5c\uc801\uc758 \uc120\ud0dd\uc774 \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ub2e8 \ud558\ub098\ub9cc \uc120\ud0dd\ud574\uc57c \ud55c\ub2e4\uba74:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>30\ub300 \uc774\ud558, \uc740\ud1f4\uae4c\uc9c0 \uc2dc\uac04 \ub9ce\uc74c \u2192 <strong>SPY<\/strong><\/li>\n\n\n\n<li>40-50\ub300, \uc740\ud1f4 \uc900\ube44 \uc911 \u2192 <strong>SCHD<\/strong><\/li>\n\n\n\n<li>\uc774\ubbf8 \uc740\ud1f4, \ud604\uae08 \ud750\ub984 \ud544\uc694 \u2192 <strong>SCHD<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uac00\uc7a5 \ud604\uba85\ud55c \uc120\ud0dd\uc740<\/strong> \ub458\uc744 \ud568\uaed8 \ubcf4\uc720\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. 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