{"id":64,"date":"2025-09-22T06:58:26","date_gmt":"2025-09-21T21:58:26","guid":{"rendered":"https:\/\/silverfinance.co.kr\/?p=64"},"modified":"2025-09-22T06:58:26","modified_gmt":"2025-09-21T21:58:26","slug":"%ec%98%a4%eb%a5%b4%eb%a9%b4-5%eb%a7%8c-%ec%9b%90-%eb%82%b4%eb%a6%ac%eb%a9%b4-10%eb%a7%8c-%ec%9b%90-sp500-%ec%8b%a4%ed%97%98%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/silverfinance.co.kr\/?p=64","title":{"rendered":"\uc624\ub974\uba74 5\ub9cc \uc6d0, \ub0b4\ub9ac\uba74 10\ub9cc \uc6d0: S&amp;P500 \uc2e4\ud5d8\uae30"},"content":{"rendered":"\n<p>S&amp;P 500\uc740 \ubbf8\uad6d \uc99d\uc2dc\uc5d0 \uc0ac\uc7a5\ub41c \ub300\ud45c\uc801\uc778 500\uac1c \uae30\uc5c5\uc744 \ubaa8\uc740 \uc9c0\uc218\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubbf8\uad6d \uacbd\uc81c\ub97c \ub300\ud45c\ud558\ub294 \uae30\uc5c5\ub4e4\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\ub294 \uc9c0\uc218\ub85c \uc804 \uc138\uacc4 \uc2dc\uac00 \ucd1d\uc561\uc758 40% \uc774\uc0c1\uc744 \ucc28\uc9c0 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"486\" src=\"https:\/\/silverfinance.co.kr\/wp-content\/uploads\/2025\/09\/\uc2a4\ud06c\ub9b0\uc0f7-2025-09-22-\uc624\uc804-6.33.29-1024x486.png\" alt=\"\" class=\"wp-image-65\" srcset=\"https:\/\/silverfinance.co.kr\/wp-content\/uploads\/2025\/09\/\uc2a4\ud06c\ub9b0\uc0f7-2025-09-22-\uc624\uc804-6.33.29-1024x486.png 1024w, https:\/\/silverfinance.co.kr\/wp-content\/uploads\/2025\/09\/\uc2a4\ud06c\ub9b0\uc0f7-2025-09-22-\uc624\uc804-6.33.29-300x143.png 300w, https:\/\/silverfinance.co.kr\/wp-content\/uploads\/2025\/09\/\uc2a4\ud06c\ub9b0\uc0f7-2025-09-22-\uc624\uc804-6.33.29-768x365.png 768w, https:\/\/silverfinance.co.kr\/wp-content\/uploads\/2025\/09\/\uc2a4\ud06c\ub9b0\uc0f7-2025-09-22-\uc624\uc804-6.33.29-1536x730.png 1536w, https:\/\/silverfinance.co.kr\/wp-content\/uploads\/2025\/09\/\uc2a4\ud06c\ub9b0\uc0f7-2025-09-22-\uc624\uc804-6.33.29-2048x973.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">S&amp;P500 \ucc28\ud2b8 &#8211; \ucd9c\ucc98 : \uc57c\ud6c4\ud30c\uc774\ub0b8\uc2a4<\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S&amp;P500\uc5d0 \ud22c\uc790\ub97c \ud574\uc57c \ud558\ub294 \uc774\uc720<\/li>\n<\/ul>\n\n\n\n<p>(1) \uc7a5\uae30\uc801\uc73c\ub85c \uac00\uc7a5 \ub192\uc740 \uc218\uc775\ub960 \uc911 \ud558\ub098<\/p>\n\n\n\n<p>\uc9c0\ub09c 100\ub144\uac04 S&amp;P500\uc740 \uc5f0\ud3c9\uade0 \uc57d 10% \ub0b4\uc678\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>(2) \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc<\/p>\n\n\n\n<p>500\uac1c\uc758 \ub300\ud615 \uae30\uc5c5\uc5d0 \ubd84\uc0b0\ub418\uc5b4 \uc788\uc5b4 \uac1c\ubcc4 \uae30\uc5c5 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>(3) \ub0ae\uc740 \ube44\uc6a9<\/p>\n\n\n\n<p>ETF\ub098 \uc778\ub371\uc2a4 \ud380\ub4dc\ub97c \ud1b5\ud55c S&amp;P500 \ud22c\uc790\ub294 \uc6b4\uc6a9\ubcf4\uc218\uac00 \ub9e4\uc6b0 \ub0ae\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608: Vanguard\uc758 S&amp;P500 ETF (VOO)\ub294 \uc5f0 0.03% \uc218\uc900.<\/p>\n\n\n\n<p>\ubcf4\uae00\uc774 \uac15\uc870\ud55c \uac83\ucc98\ub7fc, \uc7a5\uae30\uc801\uc73c\ub85c \uc218\uc218\ub8cc \ucc28\uc774\uac00 \uc218\uc775\ub960\uc758 \uaca9\ucc28\ub97c \ub9cc\ub4ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>(4) \ubbf8\uad6d \uacbd\uc81c\uc758 \uc131\uc7a5\uc5d0 \ubca0\ud305<\/p>\n\n\n\n<p>\ubbf8\uad6d\uc740 \uc138\uacc4 1\uc704 \uacbd\uc81c \ub300\uad6d\uc774\uba70, \ud601\uc2e0 \uae30\uc5c5\ub4e4\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud14c\ud06c, \uae08\uc735, \ud5ec\uc2a4\ucf00\uc5b4 \ub4f1 \uae00\ub85c\ubc8c \ub9ac\ub354 \uae30\uc5c5\ub4e4\uc774 \ub300\ubd80\ubd84 S&amp;P500\uc5d0 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>(5) \uc804\ubb38\uac00\ub3c4 \uc774\uae30\uae30 \ud798\ub4e0 \uc2dc\uc7a5<\/p>\n\n\n\n<p>\uc6cc\ub7f0 \ubc84\ud54f\ub3c4 \u201c\ub300\ubd80\ubd84\uc758 \uac1c\uc778 \ud22c\uc790\uc790\ub294 S&amp;P500 \uc778\ub371\uc2a4\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \ud604\uba85\ud558\ub2e4\u201d\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2e4\uc81c\ub85c \uc561\ud2f0\ube0c \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 80% \uc774\uc0c1\uc774 \uc7a5\uae30\uc801\uc73c\ub85c S&amp;P500 \uc218\uc775\ub960\uc744 \uc774\uae30\uc9c0 \ubabb\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud22c\uc790 \ub300\uac00\ub4e4\uc774 \ub9d0\ud558\ub294 S&amp;P500 \ud22c\uc790<\/li>\n<\/ul>\n\n\n\n<p>(1) \uc6cc\ub7f0 \ubc84\ud54f<\/p>\n\n\n\n<p>&#8220;\ub0b4 \uc544\ub0b4\uc758 \uc790\uc0b0\uc740 90%\ub97c S&amp;P500 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0, 10%\ub97c \ub2e8\uae30 \uad6d\ucc44\uc5d0 \ud22c\uc790\ud558\ub77c.&#8221;<\/p>\n\n\n\n<p>(2) \ud558\uc6cc\ub4dc \ub9c9\uc2a4 (Howard Marks, \uc624\ud06c\ud2b8\ub9ac \uce90\ud53c\ud138 \ud68c\uc7a5)<\/p>\n\n\n\n<p>\u201c\ub300\ubd80\ubd84\uc758 \ud22c\uc790\uc790\ub294 \uc2dc\uc7a5 \ud0c0\uc774\ubc0d\uc744 \ub9de\ucd9c \uc218 \uc5c6\ub2e4. \ub530\ub77c\uc11c S&amp;P500 \uac19\uc740 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0 \uafb8\uc900\ud788 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \ud604\uba85\ud55c \uc804\ub7b5\uc774\ub2e4.\u201d<\/p>\n\n\n\n<p>(3)\ud53c\ud130 \ub9b0\uce58 (Peter Lynch, \u2018\uc6d4\uac00\uc758 \uc601\uc6c5\u2019 \uc800\uc790)<\/p>\n\n\n\n<p>\u201c\uac1c\uc778\uc774 \uc885\ubaa9\uc744 \uace0\ub974\ub294 \uac83\uc740 \uc5b4\ub835\ub2e4. \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 S&amp;P500 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ud6e8\uc52c \ub0ab\ub2e4.\u201d<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S&amp;P500\uc758 \uc6b0\uc0c1\ud5a5\uc744 \ubab8\uc18c \uccb4\ud5d8\ud558\uae30<\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub97c \uc9c1\uc811 \uacbd\ud5d8\ud558\uae30 \uc704\ud574 \uc800\ub294 S&amp;P500 \ub9e4\uc218 \ucc4c\ub9b0\uc9c0\ub97c \ud574\ubcf4\ub824 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>S&amp;P500 \uc9c0\uc218\uac00 \uc624\ub974\uba74 \u2192 5\ub9cc \uc6d0 \ub9e4\uc218<\/p>\n\n\n\n<p>S&amp;P500 \uc9c0\uc218\uac00 \ub0b4\ub9ac\uba74 \u2192 10\ub9cc \uc6d0 \ub9e4\uc218<\/p>\n\n\n\n<p>\uc774 \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud788 \ub9e4\uc77c \uc77c\uc815 \uae08\uc561\uc744 \ud22c\uc790\ud558\ub294 <strong>\uc801\ub9bd\uc2dd \ud22c\uc790(DCA, Dollar Cost Averaging)<\/strong>\ubcf4\ub2e4 \ubcc0\ub3d9\uc131\uc744 \ud65c\uc6a9\ud558\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc2dc\uc7a5\uc774 \ub5a8\uc5b4\uc9c8 \ub54c \ub354 \ub9ce\uc774 \ub9e4\uc218\ud568\uc73c\ub85c\uc368 \ud3c9\uade0 \ub9e4\uc785 \ub2e8\uac00\ub97c \ub0ae\ucd94\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc0c1\uc2b9\ud560 \ub54c \ub354 \ud070 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S&amp;P 500\uc740 \ubbf8\uad6d \uc99d\uc2dc\uc5d0 \uc0ac\uc7a5\ub41c \ub300\ud45c\uc801\uc778 500\uac1c \uae30\uc5c5\uc744 \ubaa8\uc740 \uc9c0\uc218\uc785\ub2c8\ub2e4. \ubbf8\uad6d \uacbd\uc81c\ub97c \ub300\ud45c\ud558\ub294 \uae30\uc5c5\ub4e4\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\ub294 \uc9c0\uc218\ub85c \uc804 \uc138\uacc4 \uc2dc\uac00 \ucd1d\uc561\uc758 40% \uc774\uc0c1\uc744 \ucc28\uc9c0 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. (1) \uc7a5\uae30\uc801\uc73c\ub85c \uac00\uc7a5 \ub192\uc740 \uc218\uc775\ub960 \uc911 \ud558\ub098 \uc9c0\ub09c 100\ub144\uac04 S&amp;P500\uc740 \uc5f0\ud3c9\uade0 \uc57d 10% \ub0b4\uc678\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. (2) \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc 500\uac1c\uc758 \ub300\ud615 \uae30\uc5c5\uc5d0 \ubd84\uc0b0\ub418\uc5b4 \uc788\uc5b4 \uac1c\ubcc4 \uae30\uc5c5 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4. &hellip; <a href=\"https:\/\/silverfinance.co.kr\/?p=64\" class=\"more-link\"><span class=\"screen-reader-text\">\uc624\ub974\uba74 5\ub9cc \uc6d0, \ub0b4\ub9ac\uba74 10\ub9cc \uc6d0: S&amp;P500 \uc2e4\ud5d8\uae30<\/span> \ub354\ubcf4\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":65,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,1],"tags":[21,22,23,26,34,10,27,24,35,29,37,31,25,20,28,33,30,36,32,38],"class_list":{"0":"post-64","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-sp500-","8":"category-1","9":"tag-sp500","10":"tag-sp500etf","12":"tag-voo","13":"tag-34","14":"tag-10","15":"tag-etf","16":"tag-24","17":"tag-35","18":"tag-29","19":"tag-37","20":"tag-31","21":"tag-25","22":"tag-20","23":"tag-28","24":"tag-33","25":"tag-30","26":"tag-36","27":"tag-32","28":"tag-fire"},"_links":{"self":[{"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/64","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=64"}],"version-history":[{"count":2,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/64\/revisions"}],"predecessor-version":[{"id":67,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/64\/revisions\/67"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=\/wp\/v2\/media\/65"}],"wp:attachment":[{"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=64"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=64"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silverfinance.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=64"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}