[기고]기금형만이 답일까

ϴ ӱ

ϱ ǰ ȭϰ ִ. Ȯ⿩(DC) οó տϴ ĵ ǵǴ . Ͽ ϸ ͷ ִ. ͷ ٰ ؼ ڿ Ǵ ƴϴ.

60% ֽĿ ߴµ ۷ι ְ 50% ޶ϸ 30% Ͻÿ . յΰ ִ ٷڵ ū ۿ . οݱ ڻ 65% ̴.

ͷ ƴ϶ ݺǰ ַ ߱ ̴. οó տϸ ݺǰ õ ְ, ٷ ֱ⸦ ݿ ϴ Ѱ谡 ִ. ٰ ڻ 缭 ׵ ȣϴ ٶ, տϴ ʴ´.

ɾ ڼ Ǵ DC ݿ ٷ ڼ ֱ⿡ ǰ ϴ ߿ϴ. ϴ 'NEST', ̱ 'TSP' Ӹ ƴ϶ ϴ 401(k) ؿ DC ݱ ٷڰ ǰ Ѵ. ٷڰ ǰ ֵ 뿡 10 ̳ ǥǰ Ѵ. ٷڴ ǥǰ ̿ Ÿ ǰ ִ. ̳ Ʈɼǿ ڵԵǰ, ٷڰ ǰ տѴ.

ؿ  ִ. 켱 ó ٷڰ ǰ ڵԵǴ Ʈɼ ϰ ǥݵõ ʿ䰡 ִ. ϳ տ Ͽ ٷڰ δϴ ϰ ͷ ִٴ ̴. ϴ ̱ ִ ڽŹ(CIT) · ǰ Ͽ Ը ּȭϰ ִ.

츮󿡼 ڸ ִ ǰ ڽŹ · ϴ ʿ䰡 ִ. DC δϹǷ ٷڰ δϴ ݵ ϴ. ڽŹ ȴٸ ݵ ؼ ͷ ϰ ٷڰ δϴ ū ̴.

ݻڰ ȭ ϴ 㺸ϱ Źå ȭϴ ٵ ߿ϴ. ͸ ȭ Բ ̱  ŴƮ 񽺸 ݻڰ Ͽ ڱ ȿ ʿ䰡 ִ.