{"id":33,"date":"2026-05-31T23:39:15","date_gmt":"2026-05-31T14:39:15","guid":{"rendered":"http:\/\/antsnowball.com\/?p=33"},"modified":"2026-06-01T23:09:40","modified_gmt":"2026-06-01T14:09:40","slug":"dividend-tax-isa-pension","status":"publish","type":"post","link":"https:\/\/antsnowball.com\/?p=33","title":{"rendered":"\ubc30\ub2f9\uc18c\ub4dd\uc138 15.4% \uacc4\uc0b0\ubc95\uacfc ISA \uc5f0\uae08\uc800\ucd95 \ubc30\ub2f9\uc8fc \uc808\uc138 \uc804\ub7b5"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\ub9e4\ub2ec \uaf2c\ubc15\uaf2c\ubc15 \ub4e4\uc5b4\uc624\ub294 \ubc30\ub2f9\uae08\uc73c\ub85c \uc81c2\uc758 \uc6d4\uae09\uc744 \ub9cc\ub4dc\ub294 \uac83\uc740 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc758 \uafc8\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubbf8\uad6d \uc6d4\ubc30\ub2f9 ETF\ub098 \uad6d\ub0b4 \uace0\ubc30\ub2f9\uc8fc\ub97c \ud65c\uc6a9\ud574 \ud30c\uc774\ud504\ub77c\uc778\uc744 \uad6c\ucd95\ud558\uace0 \uacc4\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc \ub300\ub2e4\uc218 \ucd08\ubcf4 \ud22c\uc790\uc790\ub4e4\uc774 \uac04\uacfc\ud558\ub294 \uce58\uba85\uc801\uc778 \ubcf5\ubcd1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c <strong>\ubc30\ub2f9\uc18c\ub4dd\uc138<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f4\uc2ec\ud788 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc9dc\uc11c \ubaa9\ud45c\ud55c \ubc30\ub2f9\uae08\uc744 \ub9cc\ub4e4\uc5c8\ub354\ub77c\ub3c4 \uc138\uae08 \uad6c\uc870\ub97c \ubaa8\ub974\uba74 \ud070 \uc190\ud574\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc624\ub298\uc740 \ubc30\ub2f9\uae08\uc5d0 \ubd99\ub294 \uc138\uae08\uc758 \uc2e4\uccb4\uc640 \uc774\ub97c \uc644\ubcbd\ud558\uac8c \ubc29\uc5b4\ud560 \uc218 \uc788\ub294 \ud569\ubc95\uc801 \uc808\uc138 \uacc4\uc88c \ud65c\uc6a9\ubc95\uc744 \ucd1d\uc815\ub9ac\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \ubc30\ub2f9\uc18c\ub4dd\uc138 15.4% \uc6d0\ucc9c\uc9d5\uc218 \uacc4\uc0b0 \ubc29\ubc95<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc2dd \uc5b4\ud50c\uc5d0\uc11c \ubc30\ub2f9\uae08 \uc785\uae08 \uc608\uc815 \uc54c\ub9bc\uc744 \ubcf4\ub354\ub77c\ub3c4 \ud1b5\uc7a5\uc5d0\ub294 \ub354 \uc801\uc740 \uae08\uc561\uc774 \ucc0d\ud799\ub2c8\ub2e4. \uad6d\uac00\uc5d0\uc11c \uc138\uae08\uc744 \uba3c\uc800 \ub5bc\uace0 \uc9c0\uae09\ud558\ub294 \uc6d0\ucc9c\uc9d5\uc218 \uc81c\ub3c4 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc77c\ubc18 \uc8fc\uc2dd \uacc4\uc88c\ub97c \uae30\uc900\uc73c\ub85c \ud55c\uad6d\uc758 <strong>\ubc30\ub2f9\uc18c\ub4dd\uc138<\/strong>\uc728\uc740 15.4%\uc785\ub2c8\ub2e4. \uc774\ub294 \uc18c\ub4dd\uc138 14%\uc640 \uc9c0\ubc29\uc18c\ub4dd\uc138 1.4%\uac00 \ud569\uc0b0\ub41c \uae08\uc561\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub9e4\ub2ec \uc138\uc804 100\ub9cc \uc6d0(\uc5f0 1,200\ub9cc \uc6d0)\uc758 \ubc30\ub2f9\uae08\uc744 \ubc1b\ub294 \uacbd\uc6b0<\/strong><\/li>\n\n\n\n<li>\uad6d\uc138\uccad\uc774 \ub9e4\ub2ec <strong>15\ub9cc 4,000\uc6d0<\/strong>\uc744 \uba3c\uc800 \uc9d5\uc218\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc2e4\uc81c \ub0b4 \ud1b5\uc7a5\uc5d0 \ucc0d\ud788\ub294 \ub3c8\uc740 <strong>84\ub9cc 6,000\uc6d0<\/strong>\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc77c \ub144\uc73c\ub85c \ud658\uc0b0\ud558\uba74 \uc57d 185\ub9cc \uc6d0\uc774\ub77c\ub294 \uac70\uae08\uc774 \uc138\uae08\uc73c\ub85c \uc0ac\ub77c\uc9c0\uac8c \ub429\ub2c8\ub2e4. \ud22c\uc790 \uaddc\ubaa8\uac00 \ucee4\uc9c8\uc218\ub85d \uc774 \uc138\uae08\uc740 \uc790\uc0b0 \uc99d\uc2dd\uc758 \ud070 \uac78\ub9bc\ub3cc\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138 \uc5f0 2,000\ub9cc \uc6d0\uc758 \ubc95\uce59\uacfc \uac74\ubcf4\ub8cc \ud3ed\ud0c4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e8\uc21c\ud788 15.4%\uc758 \uc138\uae08\uc744 \ub0b4\ub294 \uac83\ubcf4\ub2e4 \ub354 \ubb34\uc11c\uc6b4 \uae30\uc900\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c \uc5f0\uac04 \uae08\uc735 \uc18c\ub4dd(\ubc30\ub2f9\uae08 \ubc0f \uc774\uc790)\uc774 2,000\ub9cc \uc6d0\uc744 \ub3cc\ud30c\ud560 \ub54c\uc785\ub2c8\ub2e4. \uc5f0 2,000\ub9cc \uc6d0\uc744 \ub118\uc5b4\uc11c\ub294 \uc21c\uac04 \ub450 \uac00\uc9c0 \uce58\uba85\uc801\uc778 \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 \uc885\ud569\uc18c\ub4dd\uc138 \ud569\uc0b0 \uacfc\uc138<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\uac04 \ubc30\ub2f9 \uc18c\ub4dd\uc774 2,000\ub9cc \uc6d0\uc744 \ucd08\uacfc\ud558\uba74 \uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138 \ub300\uc0c1\uc790\uac00 \ub429\ub2c8\ub2e4. \ucd08\uacfc\ubd84\uc740 \ub2e4\ub978 \uadfc\ub85c\uc18c\ub4dd\uc774\ub098 \uc0ac\uc5c5\uc18c\ub4dd\uacfc \ud569\uc0b0\ub418\uc5b4 \uacc4\uc0b0\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc9c1\uc7a5\uc778 \uace0\uc5f0\ubd09\uc790\uc77c\uc218\ub85d \uacfc\uc138 \ud45c\uc900 \uad6c\uac04\uc774 \ub192\uc544\uc838 \ucd5c\uace0 40%\uac00 \ub118\ub294 \uc138\uae08 \ubcbc\ub77d\uc744 \ub9de\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 \uac74\uac15\ubcf4\ud5d8\ub8cc \uc778\uc0c1 \ubc0f \ud53c\ubd80\uc591\uc790 \uc790\uaca9 \ubc15\ud0c8<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc9c1\uc7a5\uc778\uc740 \uc6d4\uae09 \uc678 \uc18c\ub4dd\uc774 \uc5f0 2,000\ub9cc \uc6d0\uc744 \ub118\uc73c\uba74 \uac74\uac15\ubcf4\ud5d8\ub8cc\uac00 \ubcc4\ub3c4\ub85c \ucd94\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc740\ud1f4\uc790\uc758 \uacbd\uc6b0 \ubc30\ub2f9 \uc18c\ub4dd \ub54c\ubb38\uc5d0 \ud53c\ubd80\uc591\uc790 \uc790\uaca9\uc774 \ubc15\ud0c8\ub418\uc5b4 \uc9c0\uc5ed\uac00\uc785\uc790\ub85c \uc804\ud658\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \ub9e4\ub2ec \uc218\uc2ed\ub9cc \uc6d0\uc758 \uac74\ubcf4\ub8cc \ud3ed\ud0c4\uc744 \ub9de\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \ubc30\ub2f9\uc18c\ub4dd\uc138\ub97c \uc544\ub07c\ub294 \ub9c8\ubc95\uc758 \uc808\uc138 \uacc4\uc88c 3\ucd1d\uc0ac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub807\ub2e4\uba74 \uc774 \uc544\uae4c\uc6b4 \uc138\uae08\uc744 \ud569\ubc95\uc801\uc73c\ub85c \uc904\uc774\ub294 \ubc29\ubc95\uc740 \uc5c6\uc744\uae4c\uc694? \uc815\ubd80\uc5d0\uc11c \uc790\uc0b0 \ud615\uc131\uc744 \ub3d5\uae30 \uc704\ud574 \ub9cc\ub4e0 3\uac00\uc9c0 \ud2b9\uc218 \uacc4\uc88c\ub97c \ub300\ud53c\uc18c\ub85c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 \ub9cc\ub2a5 \uc808\uc138 \uce58\ud2b8\ud0a4, ISA \uacc4\uc88c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub294 \ubc30\ub2f9 \uc18c\ub4dd\uc5d0 \ub300\ud574 \ucd5c\ub300 200\ub9cc \uc6d0(\uc11c\ubbfc\ud615\uc740 400\ub9cc \uc6d0)\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \uc90d\ub2c8\ub2e4. \ube44\uacfc\uc138 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uae08\uc561\uc5d0 \ub300\ud574\uc11c\ub3c4 15.4%\uac00 \uc544\ub2cc 9.9%\ub85c \uc800\uc728 \ubd84\ub9ac\uacfc\uc138\ub97c \uc801\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 ISA \uacc4\uc88c \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ubc30\ub2f9 \uc18c\ub4dd\uc740 <strong>\uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138 \uae30\uc900\uc778 2,000\ub9cc \uc6d0 \ud55c\ub3c4\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\ub294\ub2e4<\/strong>\ub294 \uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 \uc138\uae08 \uc720\uc608\uc640 \ubcf5\ub9ac\uc758 \ub9c8\ubc95, \uc5f0\uae08\uc800\ucd95\ud380\ub4dc \ubc0f IRP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\uae08\uc800\ucd95\uacfc IRP(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08) \uacc4\uc88c \uc548\uc5d0\uc11c \uc8fc\uc2dd\uc744 \uad74\ub9ac\ub294 \ub3d9\uc548\uc5d0\ub294 \ubc30\ub2f9\uae08\uc774 \ub098\uc62c \ub54c <strong>\ubc30\ub2f9\uc18c\ub4dd\uc138<\/strong>\ub97c \ub2e8 1\uc6d0\ub3c4 \ub5bc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uacfc\uc138\uc774\uc5f0\uc774\ub77c\uace0 \ud569\ub2c8\ub2e4. \uc138\uae08\uc73c\ub85c \ub098\uac08 \ub3c8\uae4c\uc9c0 \uc804\ubd80 \uc8fc\uc2dd\uc5d0 \uc7ac\ud22c\uc790\ud560 \uc218 \uc788\uc5b4 \ubcf5\ub9ac \ud6a8\uacfc\uac00 \uadf9\ub300\ud654\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub098\uc911\uc5d0 \ub9cc 55\uc138 \uc774\ud6c4 \uc5f0\uae08\uc73c\ub85c \uc218\ub839\ud560 \ub54c 15.4% \ub300\uc2e0 <strong>3.3%~5.5%\uc758 \uc544\uc8fc \ub0ae\uc740 \uc5f0\uae08\uc18c\ub4dd\uc138<\/strong>\ub9cc \ub0b4\uba74 \ub418\ubbc0\ub85c \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. \uacb0\ub860: \uacc4\uc88c\ubcc4 \ubc30\ub2f9\uc8fc \ubc30\uce58 \uac00\uc774\ub4dc\ub77c\uc778<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc131\uacf5\uc801\uc778 \ubc30\ub2f9 \ud22c\uc790\ub97c \uc704\ud574\uc11c\ub294 \ubb34\uc791\uc815 \uc8fc\uc2dd\uc744 \uc0ac\uc9c0 \ub9d0\uace0 \uacc4\uc88c \uc131\uaca9\uc5d0 \ub9de\uac8c \uc885\ubaa9\uc744 \ub098\ub204\uc5b4 \ub2f4\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\ubbf8\uad6d \uc9c1\uad6c \uc6b0\ub7c9\uc8fc (\ub9ac\uc5bc\ud2f0\uc778\ucef4, JEPI, SCHD \ub4f1)<\/strong>\n<ul class=\"wp-block-list\">\n<li>\uc808\uc138 \uacc4\uc88c\uc5d0\uc11c\ub294 \ubbf8\uad6d \ud604\uc9c0 \uc8fc\uc2dd\uc744 \uc9c1\uc811 \ub9e4\uc218\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c <strong>\uc77c\ubc18 \uc8fc\uc2dd \uacc4\uc88c<\/strong>\uc5d0\uc11c \ubaa8\uc544\uac00\ub418 \uc5f0\uac04 \ubc30\ub2f9\uae08\uc774 2,000\ub9cc \uc6d0\uc744 \ub118\uc9c0 \uc54a\ub3c4\ub85d \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucd1d\uc561\uc744 \uc870\uc808\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uad6d\ub0b4 \uc0c1\uc7a5 \ubbf8\uad6d \ubc30\ub2f9 ETF (TIGER \ubbf8\uad6d\ubc30\ub2f9\ub2e4\uc6b0\uc874\uc2a4, KODEX \ubbf8\uad6d\ubc30\ub2f9\ud504\ub9ac\ubbf8\uc5c4 \ub4f1)<\/strong>\n<ul class=\"wp-block-list\">\n<li>3~5\ub144 \ub0b4\uc5d0 \uc8fc\ud0dd \uc790\uae08\uc774\ub098 \ucc28\ub7c9 \uad6c\uc785 \ub4f1\uc73c\ub85c \uc778\ucd9c\ud574\uc57c \ud560 \ub3c8\uc774\ub77c\uba74 <strong>ISA \uacc4\uc88c<\/strong>\uc5d0\uc11c \uad74\ub9ac\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>20~30\ub144 \ub4a4 \uc740\ud1f4 \uc790\uae08\uc73c\ub85c \uc4f8 \ub3c8\uc774\ub77c\uba74 <strong>\uc5f0\uae08\uc800\ucd95\uacc4\uc88c\ub098 IRP<\/strong>\uc5d0 \ubb3b\uc5b4\ub450\uace0 \ubc30\ub2f9 \ubb34\ud55c \uc7ac\ud22c\uc790\ub97c \ub3cc\ub824\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\uc138\uae08\uc744 \uc544\ub07c\ub294 \uac83\uc740 \uac00\ub9cc\ud788 \uc549\uc544\uc11c \ud655\uc2e4\ud55c \ud22c\uc790 \uc218\uc775\ub960\uc744 \uc62c\ub9ac\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc624\ub298 \uc18c\uac1c\ud574 \ub4dc\ub9b0 \uc808\uc138 \uc8fc\uba38\ub2c8\ub4e4\uc744 \ub611\ub611\ud558\uac8c \ud65c\uc6a9\ud558\uc5ec \uad6d\uc138\uccad\uc5d0 \uc544\uae4c\uc6b4 \ubc30\ub2f9\uae08\uc744 \ube8f\uae30\uc9c0 \ub9d0\uace0 \ub098\ub9cc\uc758 \ud604\uae08 \ud750\ub984\uc744 \uc644\uc131\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/antsnowball.com\/?p=24\" type=\"link\" id=\"http:\/\/antsnowball.com\/?p=24\">http:\/\/antsnowball.com\/?p=24<\/a><br>\ubc30\ub2f9\uc8fc\ub85c \uc6d4\uae09 \ub9cc\ub4dc\ub294 3\ub2e8\uacc4 \uc804\ub7b5 \u2013 \ucd08\ubcf4\uc790\ub3c4 \ub530\ub77c\ud558\ub294 \ucee4\ubc84\ud2b8\ucf5c \uc644\ubcbd \uac00\uc774\ub4dc<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub9e4\ub2ec \uaf2c\ubc15\uaf2c\ubc15 \ub4e4\uc5b4\uc624\ub294 \ubc30\ub2f9\uae08\uc73c\ub85c \uc81c2\uc758 \uc6d4\uae09\uc744 \ub9cc\ub4dc\ub294 \uac83\uc740 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc758 \uafc8\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubbf8\uad6d \uc6d4\ubc30\ub2f9 ETF\ub098 \uad6d\ub0b4 \uace0\ubc30\ub2f9\uc8fc\ub97c \ud65c\uc6a9\ud574 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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