{"id":38857,"date":"2026-01-19T11:54:09","date_gmt":"2026-01-19T16:54:09","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=38857"},"modified":"2026-01-19T11:54:11","modified_gmt":"2026-01-19T16:54:11","slug":"%ed%8e%98%eb%84%90%ed%8b%b0-%ec%97%86%ec%9d%b4-401k%eb%a1%9c-%ec%a3%bc%ed%83%9d-%eb%8b%a4%ec%9a%b4%ed%8e%98%ec%9d%b4","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ed%8e%98%eb%84%90%ed%8b%b0-%ec%97%86%ec%9d%b4-401k%eb%a1%9c-%ec%a3%bc%ed%83%9d-%eb%8b%a4%ec%9a%b4%ed%8e%98%ec%9d%b4\/","title":{"rendered":"\u201c\ud398\ub110\ud2f0 \uc5c6\uc774 401(k)\ub85c \uc8fc\ud0dd \ub2e4\uc6b4\ud398\uc774\u201d"},"content":{"rendered":"\n

\u25b6 \ud2b8\ub7fc\ud504, \uc774\ubc88\uc8fc \ubc1c\ud45c \uc608\uc815
\u25b6 10% \ubc8c\uae08 \ucca0\ud3d0\u00b7\uc138\uae08 \ub0ae\ucdb0<\/p>\n\n\n\n

\u25b6 \uccab \uc8fc\ud0dd\uad6c\ub9e4\uc790\uc5d0 \uc2e4\uc9c8 \ub3c4\uc6c0
\u25b6 \uc77c\ubd80 \uc870\ud56d \uc758\ud68c \uc785\ubc95 \ud544\uc694<\/p>\n\n\n\n

\"\u201c\ud398\ub110\ud2f0<\/p>\n\n\n\n

[\ub85c\uc774\ud130]\n\n\n\n

\ub3c4\ub110\ub4dc \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc774 \uc774\ubc88 \uc8fc \uc2a4\uc704\uc2a4 \ub2e4\ubcf4\uc2a4\uc5d0\uc11c \uc5f4\ub9ac\ub294 \uc138\uacc4\uacbd\uc81c\ud3ec\ub7fc(WEF)\uc5d0\uc11c 401(k) \ud1f4\uc9c1\uc5f0\uae08 \uacc4\uc88c \uc790\uae08\uc744 \uc8fc\ud0dd \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud558\ub294 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud560 \uc608\uc815\uc774\ub77c\uace0 \ubc31\uc545\uad00 \uad6d\uac00\uacbd\uc81c\uc704\uc6d0\ud68c(NEC) \ucf00\ube48 \ud574\uc2dd \uc704\uc6d0\uc7a5\uc774 16\uc77c \ubc1d\ud614\ub2e4.<\/p>\n\n\n\n

\ucf00\ube48 \ud574\uc14b \uc704\uc6d0\uc7a5\uc740 \uc804\ub0a0 \ud3ed\uc2a4 \ube44\uc988\ub2c8\uc2a4\uc640\uc758 \uc778\ud130\ubdf0\uc5d0\uc11c \u201c401(k) \uacc4\uc88c \ubcf4\uc720\uc790\ub4e4\uc774 \uc774 \uc790\uae08\uc744 \uc778\ucd9c\ud574 \uc8fc\ud0dd \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud560 \uac83\u201d\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4. \uadf8\ub294 \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc774 \ub2e4\ubcf4\uc2a4\uc5d0\uc11c \ucd5c\uc885 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud55c\ub2e4\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n\n\n\n

\ud604\uc7ac 401(k) \ud1f4\uc9c1\uc5f0\uae08\uc740 \uc8fc\ub85c \uc740\ud1f4 \uc790\uae08\uc744 \ud22c\uc790\u00b7\ucd95\uc801\ud558\ub294\ub370 \uc4f0\uc774\uba70, \uc815\ud574\uc9c4 \ub098\uc774 \uc774\uc804\uc5d0 \uc870\uae30 \uc778\ucd9c\ud560 \uacbd\uc6b0 \uc138\uae08\uacfc 10% \ubc8c\uae08\uc774 \ubd80\uacfc\ub41c\ub2e4. \ud558\uc9c0\ub9cc \uc774\ubc88 \uacc4\ud68d\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ub9c8\ub828\uc744 \ub3d5\uae30 \uc704\ud55c \uc608\uc678 \uaddc\uc815\uc744 \ub3c4\uc785\ud574 \ucd08\uae30 \uc8fc\ud0dd \uad6c\ub9e4 \uc7a5\ubcbd\uc744 \ub0ae\ucd94\ub824\ub294 \ucde8\uc9c0\ub85c \ud574\uc11d\ub41c\ub2e4.<\/p>\n\n\n\n

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

\ubc31\uc545\uad00 \uad6d\uac00\uacbd\uc81c\uc704\uc6d0\ud68c\ub294 \uc774\ubc88 \uc870\uce58\uac00 401(k) \ud1f4\uc9c1\uc5f0\uae08 \uc18c\uc9c0\uc790\ub4e4\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc778\uc13c\ud2f0\ube0c\ub97c \uc81c\uacf5\ud558\uae30 \uc704\ud574 \ubc8c\uae08 \ubd80\uacfc \uc870\ud56d\uc744 \ud3d0\uc9c0\ud558\uace0 \uc138\uae08\ub3c4 \ub300\ud3ed \ub0ae\ucd94\ub294 \ubc29\uc2dd\uc744 \uace0\ub824\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\ud604\uc7ac \uc804\ud1b5\uc801 \uac1c\uc778\uc740\ud1f4\uacc4\uc88c(IRA)\uc5d0\ub294 \uccab \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \ubc8c\uae08 \uc5c6\uc774 \uc790\uae08\uc744 \uc4f8 \uc218 \uc788\ub294 \uc608\uc678\uac00 \uc788\uc9c0\ub9cc, 401(k)\uc5d0\ub294 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4. \uc774\ubc88 \uacc4\ud68d\uc740 \uc774\ub97c 401(K)\ub85c \ud655\ub300\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\ub2e4\ub9cc \uad6c\uccb4\uc801\uc778 \uc6b4\uc601 \ubc29\uc2dd\uc774\ub098 \ubc95\uc801\u00b7\uc7ac\uc815\uc801 \uc601\ud5a5\uc5d0 \ub300\ud574\uc11c\ub294 \uc544\uc9c1 \uc138\ubd80\uc0ac\ud56d\uc774 \uacf5\uac1c\ub418\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \uc804\ubb38\uac00\ub4e4\uc740 \uc774\ub7ec\ud55c \uc870\uce58\uac00 \ud2b9\ud788 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub4e4\uc758 \uc8fc\ud0dd \uad6c\uc785\uc744 \ub3d5\ub294\ub370 \uae30\uc5ec\ud560 \uac83\uc73c\ub85c \uae30\ub300\ud558\uace0 \uc788\ub2e4. \ub610\ud55c \uc77c\ubd80 \uaddc\uc815\uc758 \uacbd\uc6b0 \uc5f0\ubc29 \uc758\ud68c\ub97c \ud1b5\ud55c \uc785\ubc95 \ubcc0\uacbd\uc774 \ud544\uc694\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n\n\n\n

\ud2b8\ub7fc\ud504 \ud589\uc815\ubd80\ub294 \uc774 \uac19\uc740 \uc870\uce58\ub97c \uc2ec\uac01\ud55c \uc8fc\ud0dd \uad6c\ub9e4 \ube44\uc6a9 \ubd80\ub2f4\uacfc \uad00\ub828\ub41c \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub824\ub294 \uad11\ubc94\uc704\ud55c \uc8fc\ud0dd \uc815\ucc45\uc758 \uc77c\ubd80\ub85c \ucd94\uc9c4\ud558\uace0 \uc788\ub2e4. \ub192\uc740 \uae08\ub9ac\uc640 \uc8fc\ud0dd \uac00\uaca9 \uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \ub9ce\uc740 \ubbf8\uad6d\uc778\ub4e4\uc774 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uac00\uc6b4\ub370, \uc774 \uacc4\ud68d\uc774 \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc774 \ub420\uc9c0 \uc8fc\ubaa9\ub41c\ub2e4.<\/p>\n\n\n\n

\uc774\ubc88\uc5d0 \ubc1c\ud45c\ub418\ub294 \uc870\uce58\ub294 \ud2b8\ub7fc\ud504 \ud589\uc815\ubd80\uac00 \ucd94\uc9c4 \uc911\uc778 \uc8fc\ud0dd\uc2dc\uc7a5 \uc9c0\uc6d0 \ud328\ud0a4\uc9c0\uc758 \uc77c\ubd80\ub85c, \uc5ec\uae30\uc5d0\ub294 \u25b2\ub300\ud615 \uae30\uad00\ud22c\uc790\uc790\ub4e4\uc758 \ub2e8\ub3c5\uc8fc\ud0dd \ub9e4\uc785 \uc81c\ud55c \u25b2\uc8fc\ud0dd\uae08\ub9ac \uc778\ud558\ub97c \uc704\ud55c \ud328\ub2c8\uba54\uc774\u00b7\ud504\ub808\ub514\ub9e5 2,000\uc5b5\ub2ec\ub7ec \ucc44\uad8c(MBS) \ub9e4\uc785 \u25b2\uc911\uc559\uc740\ud589 \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc900(FRB\u00b7\uc5f0\uc900)\uc5d0 \ub300\ud55c \uae08\ub9ac \uc778\ud558 \uc555\ubc15 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4.<\/p>\n\n\n\n

\uc774\ub7ec\ud55c \uc815\ucc45\ub4e4\uc740 \uc8fc\ud0dd \uad6c\ub9e4 \ube44\uc6a9\uc744 \ub0ae\ucd94\uac70\ub098 \uc811\uadfc\uc131\uc744 \uac1c\uc120\ud558\ub824\ub294 \ubaa9\ud45c\ub97c \uac16\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\uc804\ubb38\uac00\ub4e4\uc740 \uc774\ubc88 \uc870\uce58\uc758 \uae0d\uc815\uc801 \ud6a8\uacfc\uc5d0 \ub300\ud574 \uc8fc\ud0dd \uad6c\ub9e4 \uc811\uadfc\uc131 \uac1c\uc120, \ud2b9\ud788 \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc5d0\uac8c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ub9c8\ub828 \uc7a5\ubcbd\uc744 \ub0ae\ucdb0\uc8fc\ub294 \ud6a8\uacfc\uac00 \uae30\ub300\ub41c\ub2e4\uace0 \uc9c0\uc801\ud588\ub2e4. \ub192\uc740 \uae08\ub9ac\uc640 \uc8fc\ud0dd\uac00\uaca9\uc73c\ub85c \ud55c\uce35 \uc5b4\ub824\uc6cc\uc9c4 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ub9c8\ub828\uc744 \uc704\ud55c \uc0c8\ub85c\uc6b4 \ubc29\ubc95\uc774 \uc0dd\uae30\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\ub610\ud55c \uc18c\ube44\u00b7\uacbd\uc81c \ud65c\uc131\ud654 \ud6a8\uacfc\ub85c \uc8fc\ud0dd \uad6c\ub9e4\uac00 \ub298\uc5b4\ub098\uba74 \uac74\uc124, \uc778\ud14c\ub9ac\uc5b4, \uae08\uc735 \ub4f1 \uad00\ub828 \uc0b0\uc5c5\uc5d0\ub3c4 \ud30c\uae09 \ud6a8\uacfc\uac00 \uc0dd\uaca8 \uc804\uad6d \uacbd\uc81c \uc804\ubc18\uc5d0 \uae0d\uc815 \uc2e0\ud638\ub97c \uc904 \uc218 \uc788\ub2e4. \ud2b8\ub7fc\ud504 \ud589\uc815\ubd80\uc640 \uacf5\ud654\ub2f9\uc740 \uc774\ubc88 \uc870\uce58\uac00 2026\ub144 \uc911\uac04\uc120\uac70\ub97c \uc55e\ub450\uace0 \uc720\uad8c\uc790 \uccb4\uac10 \uacbd\uae30 \uac1c\uc120\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4\uace0 \uac1c\ub300\ud55c\ub2e4.. \ud2b9\ud788 \uc8fc\ud0dd \uc2dc\uc7a5 \ubb38\uc81c\ub294 \ub9ce\uc740 \uc720\uad8c\uc790\uc758 \uad00\uc2ec\uc0ac\ub2e4.<\/p>\n\n\n\n

\ubc18\uba74 \uc77c\ubd80 \uc804\ubb38\uac00\ub4e4\uc740 401(k)\ub97c \uc870\uae30 \uc778\ucd9c\ud560 \uacbd\uc6b0 \ubcf5\ub9ac \uc218\uc775 \uc0c1\uc2e4\u00b7\uc790\uae08 \ucd95\uc18c\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc740 \uc6b0\ub824\ud55c\ub2e4. \ub610 \uacf5\uae09\uc774 \ucda9\ubd84\ud788 \ub298\uc5b4\ub098\uc9c0 \uc54a\ub294 \uc0c1\ud669\uc5d0\uc11c \uc218\uc694\ub9cc \ub298\uc5b4\ub098\uba74 \uc9d1\uac12\uc774 \uc624\ud788\ub824 \ub354 \uc62c\ub77c\uac08 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub3c4 \ub098\uc628\ub2e4. \uc77c\ubd80 \uc804\ubb38\uac00\ub4e4\uc740 \uc8fc\ud0dd \uacf5\uae09 \ubd80\uc871\uc774 \uadfc\ubcf8 \ubb38\uc81c\ub77c\uace0 \uc9c0\uc801\ud55c\ub2e4.<\/p>\n\n\n\n

401(k) \uacc4\uc88c \ubcf4\uc720\uc790 \uac00\uc6b4\ub370 \uc790\uc0b0\uc774 \ucda9\ubd84\ud55c \uc0ac\ub78c\ub4e4\uc740 \ud61c\ud0dd\uc744 \uc5bb\uc9c0\ub9cc, \uc800\uc18c\ub4dd\uce35\uc774\ub098 \uacc4\uc88c\uc5d0 \uac70\uc758 \uc790\uae08\uc774 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\uc740 \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc5b4\ub835\ub2e4\ub294 \ubd88\ud3c9\ub4f1 \ubb38\uc81c\ub3c4 \uc81c\uae30\ub41c\ub2e4. \uc778\ucd9c\ud55c \uc790\uae08\uc744 \ub2e4\uc2dc \ucc44\uc6b0\uc9c0 \ubabb\ud558\uba74 \uc740\ud1f4 \uc2dc\uc810\uc5d0 \uc7ac\uc815\uc801 \uc704\ud5d8\uc774 \ucee4\uc9c8 \uc218 \uc788\ub2e4\ub294 \uacbd\uace0\ub3c4 \uc788\ub2e4.<\/p>\n\n\n\n

<\uc870\ud658\ub3d9 \uae30\uc790><\/p>\n","protected":false},"excerpt":{"rendered":"

\u25b6 \ud2b8\ub7fc\ud504, \uc774\ubc88\uc8fc \ubc1c\ud45c \uc608\uc815\u25b6 10% \ubc8c\uae08 \ucca0\ud3d0\u00b7\uc138\uae08 \ub0ae\ucdb0 \u25b6 \uccab \uc8fc\ud0dd\uad6c\ub9e4\uc790\uc5d0 \uc2e4\uc9c8 \ub3c4\uc6c0\u25b6 \uc77c\ubd80…<\/p>","protected":false},"author":1,"featured_media":38859,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[2282],"class_list":["post-38857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\n\u201c\ud398\ub110\ud2f0 \uc5c6\uc774 401(k)\ub85c \uc8fc\ud0dd \ub2e4\uc6b4\ud398\uc774\u201d - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544<\/title>\n<meta name=\"robots\" content=\"index, follow, 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