{"id":752,"date":"2026-06-22T13:00:00","date_gmt":"2026-06-22T04:00:00","guid":{"rendered":"https:\/\/noteconomy.com\/?p=752"},"modified":"2026-06-22T12:14:04","modified_gmt":"2026-06-22T03:14:04","slug":"retirement-asset-cash-flow-strategy","status":"publish","type":"post","link":"https:\/\/noteconomy.com\/en\/retirement-asset-cash-flow-strategy\/","title":{"rendered":"\uc740\ud1f4 \uc790\uc0b0 \uad00\ub9ac, \u2018\uc218\uc775\ub960\u2019\ubcf4\ub2e4 \u2018\ud604\uae08 \ud750\ub984\u2019\uc778 \uc774\uc720"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26-1024x576.png\" alt=\"\" class=\"wp-image-753\" srcset=\"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26-1024x576.png 1024w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26-300x169.png 300w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26-768x432.png 768w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26-18x10.png 18w, https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\uc740\ud1f4 \uc790\uc0b0 \uad00\ub9ac<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud1f4 \uc774\ud6c4\uc758 \uc0b6\uc740 \uc774\uc804\uacfc\ub294 \uc644\uc804\ud788 \ub2e4\ub978 \uacbd\uc81c\uc801 \ubb38\ubc95\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \ud604\uc5ed \uc2dc\uc808\uc5d0\ub294 \uc6d4\uae09\uc774\ub77c\ub294 \uc815\uae30\uc801\uc778 \uc218\uc785\uc744 \ubc14\ud0d5\uc73c\ub85c \uc790\uc0b0\uc744 &#8216;\ubd88\ub9ac\ub294 \uac83(\uc99d\uc2dd)&#8217;\uc5d0 \uc9d1\uc911\ud588\ub2e4\uba74, \uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc313\uc544\ub454 \uc790\uc0b0\uc744 &#8216;\uc5bc\ub9c8\ub098 \uc624\ub798, \uc548\uc815\uc801\uc73c\ub85c \uaebc\ub0b4 \uc4f8 \uac83\uc778\uac00(\uc6b4\uc6a9)&#8217;\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub9ce\uc740 \uc740\ud1f4\uc790\uac00 \uc5ec\uc804\ud788 \ud604\uc5ed \uc2dc\uc808\uc758 \ud22c\uc790 \uc2b5\uad00\uc744 \ubc84\ub9ac\uc9c0 \ubabb\ud574 \ud070 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace4 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc218\uc775\ub960\uc758 \ud568\uc815\uc5d0\uc11c \ubc97\uc5b4\ub098\uae30<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud1f4 \ud6c4 \uc790\uc0b0 \uad00\ub9ac\uc5d0\uc11c \uac00\uc7a5 \uc704\ud5d8\ud55c \uac83\uc740 &#8216;\ub192\uc740 \uc218\uc775\ub960&#8217;\uc5d0 \ub300\ud55c \uc9d1\ucc29\uc785\ub2c8\ub2e4. \uc740\ud1f4\uc790\uac00 10% \uc774\uc0c1\uc758 \uace0\uc218\uc775\uc744 \uae30\ub300\ud558\uba74, \ud544\uc5f0\uc801\uc73c\ub85c \ub192\uc740 \uc704\ud5d8\uc744 \uac10\uc218\ud558\uac8c \ub429\ub2c8\ub2e4. \ub9cc\uc57d 5\uc5b5 \uc6d0\uc744 \uc6b4\uc6a9\ud558\ub294\ub370 \uc2dc\uc7a5 \uc0c1\ud669\uc774 \ub098\ube60\uc838 20%\uc758 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud55c\ub2e4\uba74, \uc740\ud1f4 \uc0dd\ud65c\ube44\ub294 \ud55c\uc21c\uac04\uc5d0 \ubb34\ub108\uc9d1\ub2c8\ub2e4. \ud604\uc5ed \ub54c\ub294 \uc190\uc2e4\uc744 \ubd10\ub3c4 \ub2e4\uc2dc \ubc8c \uae30\ud68c\uac00 \uc788\uc9c0\ub9cc, \uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc190\uc2e4\uc744 \uba54\uafc0 \uc2dc\uac04\uc744 \ub418\ub3cc\ub9ac\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc218\uc775\ub960 1~2%\ub97c \ub354 \ucad3\ub294 \uac83\ubcf4\ub2e4, \uc190\uc2e4\uc744 \ubcf4\uc9c0 \uc54a\uace0 \ub9e4\ub2ec \uc548\uc815\uc801\uc778 \ud604\uae08(Cash Flow)\uc744 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \ud6e8\uc52c \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud604\uae08 \ud750\ub984 \uc911\uc2ec\uc758 \uad00\ub9ac\ub780?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\uae08 \ud750\ub984 \uc911\uc2ec\uc758 \uad00\ub9ac\ub780 \ub0b4\uac00 \uac00\uc9c4 \uc790\uc0b0\uc774 \ub9e4\ub2ec \uc5bc\ub9c8\uc758 \ud604\uae08\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08, \ud1f4\uc9c1\uc5f0\uae08, \uac1c\uc778\uc5f0\uae08, \uadf8\ub9ac\uace0 \uc608\uae08 \uc774\uc790\ub098 \ubc30\ub2f9\uae08 \ub4f1\uc744 \ud569\uccd0 &#8216;\ub0b4\uac00 \ud55c \ub2ec\uc5d0 \ud655\uc815\uc801\uc73c\ub85c \uc4f8 \uc218 \uc788\ub294 \ub3c8&#8217;\uc774 \uc5bc\ub9c8\uc778\uc9c0 \uacc4\uc0b0\ud574\ubcf4\ub294 \uac83\uc774\uc8e0. \uc774 \uae08\uc561\uc774 \ub0b4 \uc0dd\ud65c\ube44\ubcf4\ub2e4 \ub9ce\ub2e4\uba74 \uc740\ud1f4 \uc0dd\ud65c\uc740 \ub9e4\uc6b0 \uc548\uc815\uc801\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubd80\uc871\ud558\ub2e4\uba74 \ub0a8\uc740 \uc790\uc0b0\uc5d0\uc11c \uc5bc\ub9c8\ub97c \ud5d0\uc5b4 \uc368\uc57c \ud560\uc9c0 \uacc4\ud68d\uc744 \uc138\uc6cc\uc57c \ud569\ub2c8\ub2e4. &#8216;\uc624\ub298\uc758 \uc794\uace0&#8217;\ubcf4\ub2e4 &#8216;\uc774\ubc88 \ub2ec\uc5d0 \ub4e4\uc5b4\uc624\ub294 \ub3c8&#8217;\uc744 \uc911\uc2ec\uc73c\ub85c \uc608\uc0b0\uc744 \uc9dc\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub0b4\uac00 \uc9c1\uc811 \uacaa\uc740 \uc2dc\ud589\ucc29\uc624: \uc790\uc0b0\uc758 \ud30c\ud3b8\ud654<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc800\uc758 \uc9c0\uc778 \ud55c \ubd84\uc740 \uc740\ud1f4 \uc9c1\ud6c4 &#8220;\ub3c8\uc744 \ubd88\ub824\uc57c \ud55c\ub2e4&#8221;\uba70 \ubaa8\ub4e0 \uc790\uc0b0\uc744 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0 \ub123\uc5c8\ub2e4\uac00 \uc2dc\uc7a5 \ud558\ub77d\uae30\uc5d0 \uc0dd\ud65c\ube44\uac00 \uc5c6\uc5b4 \uace0\uc0dd\ud55c \uc801\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ub2e4\ub978 \ubd84\uc740 \ubaa8\ub4e0 \uc790\uc0b0\uc744 \uc608\uae08\uc5d0\ub9cc \ub123\uc5b4\ub450\uc5b4 \uc778\ud50c\ub808\uc774\uc158 \ub54c\ubb38\uc5d0 \ud654\ud3d0 \uac00\uce58\uac00 \ud558\ub77d\ud574 \uc810\uc810 \uc0dd\ud65c\uc774 \ud30d\ud30d\ud574\uc9c0\ub294 \uacbd\uc6b0\ub97c \ubd24\uc2b5\ub2c8\ub2e4. \ub458 \ub2e4 \uc704\ud5d8\ud569\ub2c8\ub2e4. \ud604\uae08 \ud750\ub984\uc744 \uad00\ub9ac\ud55c\ub2e4\ub294 \uac83\uc740 \uc608\uae08\ucc98\ub7fc \uc548\uc804\ud55c \uc790\uc0b0\uc73c\ub85c \uae30\ucd08 \uc0dd\ud65c\ube44\ub97c \ud655\ubcf4\ud558\uace0, \uc77c\ubd80 \uc790\uc0b0\uc740 \ubb3c\uac00 \uc0c1\uc2b9\uc744 \ubc29\uc5b4\ud560 \uc218 \uc788\ub294 \uc790\uc0b0\uc5d0 \ubc30\ubd84\ud558\ub294 &#8216;\uade0\ud615&#8217;\uc744 \ucc3e\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc740\ud1f4 \ud6c4 \uacbd\uc81c\uc801 \uc548\uc815\uc744 \uc704\ud55c 3\ub2e8\uacc4 \uc2e4\ucc9c<\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\uace0\uc815 \uc218\uc785 \uccb4\ud06c: \uc5f0\uae08 \ud3ec\ud138 \uc0ac\uc774\ud2b8\ub97c \ud1b5\ud574 \ub0b4\uac00 \uc8fd\uc744 \ub54c\uae4c\uc9c0 \ubc1b\uc744 \uc218 \uc788\ub294 \uad6d\ubbfc\uc5f0\uae08 \uc218\ub839\uc561\uc744 \ud655\uc778\ud558\uc138\uc694.<\/li>\n\n\n\n<li>\uc608\ube44\ube44 \ud655\ubcf4: \ucd5c\uc18c 1~2\ub144 \uce58 \uc0dd\ud65c\ube44\ub294 \uc2dc\uc7a5\uc758 \uc601\ud5a5\uc744 \ubc1b\uc9c0 \uc54a\ub294 \ud30c\ud0b9\ud1b5\uc7a5\uc774\ub098 \uc608\uae08\uc5d0 \ub123\uc5b4\ub450\uc5b4, \uc2dc\uc7a5\uc774 \ud3ed\ub77d\ud574\ub3c4 \uc0dd\ud65c\ube44 \uac71\uc815\uc740 \uc5c6\ub3c4\ub85d \ub9cc\ub4dc\uc138\uc694.<\/li>\n\n\n\n<li>\uc778\ucd9c \uc804\ub7b5 \uc138\uc6b0\uae30: \ub098\uba38\uc9c0 \uc790\uc0b0\uc744 \uc5b4\ub5bb\uac8c \ub098\ub204\uc5b4 \uc778\ucd9c\ud560 \uac83\uc778\uc9c0 \uc5f0\uac04 \uacc4\ud68d\uc744 \uc138\uc6b0\uc138\uc694. \uc790\uc0b0\uc774 \ubc14\ub2e5\ub098\ub294 \uc2dc\uc810\uc744 \uc608\uce21\ud574\ubcf4\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \ub9c9\uc5f0\ud55c \ubd88\uc548\uac10\uc774 \uc0ac\ub77c\uc9d1\ub2c8\ub2e4.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud1f4 \uc790\uc0b0 \uad00\ub9ac\ub294 \ub3c8\uc744 \ubaa8\uc73c\ub294 \uae30\uc220\uc774 \uc544\ub2c8\ub77c, &#8216;\ub0b4 \uc0b6\uc744 \uc9c0\ud0a4\ub294 \uae30\uc220&#8217;\uc785\ub2c8\ub2e4. \uac70\ucc3d\ud55c \ud22c\uc790 \uc804\ub7b5\ubcf4\ub2e4\ub294 \ub9e4\ub2ec \uaf2c\ubc15\uaf2c\ubc15 \ub4e4\uc5b4\uc624\ub294 \ud604\uae08\uc744 \ud655\uc778\ud558\uace0, \ubd80\uc871\ud55c \ubd80\ubd84\uc744 \uc548\uc815\uc801\uc73c\ub85c \ucc44\uc6cc \ub123\ub294 \uc2dc\uc2a4\ud15c\uc744 \ub9cc\ub4dc\uc138\uc694. \uadf8\uac83\uc774 \uac00\uc7a5 \uac15\ub825\ud55c \uc740\ud1f4 \ub300\ucc45\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud575\uc2ec \uc694\uc57d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc790\uc0b0 \uc99d\uc2dd\ubcf4\ub2e4 \uc790\uc0b0 \uc6b4\uc6a9\uacfc \ud604\uae08 \ud750\ub984 \ud655\ubcf4\uac00 \ucd5c\uc6b0\uc120\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ub192\uc740 \uc218\uc775\ub960\ubcf4\ub2e4\ub294 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \ub9e4\ub2ec \uace0\uc815\uc801\uc778 \ud604\uae08\uc774 \ub4e4\uc5b4\uc624\ub294 \uc2dc\uc2a4\ud15c\uc744 \ub9cc\ub4dc\uc138\uc694.<\/li>\n\n\n\n<li>1~2\ub144 \uce58 \uc0dd\ud65c\ube44\ub294 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc5d0 \ud655\ubcf4\ud574\ub450\uc5b4 \uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \ub300\ucc98\ud560 \uc5ec\uc720\ub97c \uac00\uc9c0\uc138\uc694.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\uc74c \ud3b8\uc5d0\uc11c\ub294 &#8216;\ub0b4 \uc790\uc0b0\uc758 \ud604\uc8fc\uc18c: \uc740\ud1f4 \ud6c4 \uc6d4 \uc0dd\ud65c\ube44\uc640 \uace0\uc815 \uc9c0\ucd9c \ud30c\uc545\ud558\uae30&#8217;\ub97c \uc8fc\uc81c\ub85c, \ub9c9\uc5f0\ud55c \ubd88\uc548\uac10\uc744 \uad6c\uccb4\uc801\uc778 \uc608\uc0b0\uc73c\ub85c \ubc14\uafb8\ub294 \ubc95\uc744 \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud1f4 \uc774\ud6c4 \ub9e4\ub2ec \uace0\uc815\uc801\uc73c\ub85c \ub4e4\uc5b4\uc624\ub294 \ud604\uae08 \ud750\ub984 \uc911\uc5d0\uc11c \uac00\uc7a5 \ube44\uc911\uc774 \ud070 \ud56d\ubaa9\uc740 \ubb34\uc5c7\uc778\uac00\uc694? (\uc608: \uad6d\ubbfc\uc5f0\uae08, \uac1c\uc778\uc5f0\uae08, \uc608\uae08 \uc774\uc790 \ub4f1)<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc740\ud1f4 \uc774\ud6c4\uc758 \uc0b6\uc740 \uc774\uc804\uacfc\ub294 \uc644\uc804\ud788 \ub2e4\ub978 \uacbd\uc81c\uc801 \ubb38\ubc95\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \ud604\uc5ed \uc2dc\uc808\uc5d0\ub294 \uc6d4\uae09\uc774\ub77c\ub294 \uc815\uae30\uc801\uc778 \uc218\uc785\uc744 \ubc14\ud0d5\uc73c\ub85c \uc790\uc0b0\uc744 &#8216;\ubd88\ub9ac\ub294 \uac83(\uc99d\uc2dd)&#8217;\uc5d0 \uc9d1\uc911\ud588\ub2e4\uba74, \uc740\ud1f4 \ud6c4\uc5d0\ub294 \uc313\uc544\ub454 \uc790\uc0b0\uc744 &#8216;\uc5bc\ub9c8\ub098 \uc624\ub798, \uc548\uc815\uc801\uc73c\ub85c \uaebc\ub0b4 \uc4f8 \uac83\uc778\uac00(\uc6b4\uc6a9)&#8217;\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ub9ce\uc740 \uc740\ud1f4\uc790\uac00 \uc5ec\uc804\ud788 \ud604\uc5ed \uc2dc\uc808\uc758 \ud22c\uc790 \uc2b5\uad00\uc744 \ubc84\ub9ac\uc9c0 \ubabb\ud574 \ud070 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace4 \ud569\ub2c8\ub2e4. \uc218\uc775\ub960\uc758 \ud568\uc815\uc5d0\uc11c \ubc97\uc5b4\ub098\uae30 \uc740\ud1f4 \ud6c4 \uc790\uc0b0 \uad00\ub9ac\uc5d0\uc11c \uac00\uc7a5 \uc704\ud5d8\ud55c \uac83\uc740 &#8216;\ub192\uc740 &#8230; <a title=\"\uc740\ud1f4 \uc790\uc0b0 \uad00\ub9ac, \u2018\uc218\uc775\ub960\u2019\ubcf4\ub2e4 \u2018\ud604\uae08 \ud750\ub984\u2019\uc778 \uc774\uc720\" class=\"read-more\" href=\"https:\/\/noteconomy.com\/en\/retirement-asset-cash-flow-strategy\/\" aria-label=\"Read more about \uc740\ud1f4 \uc790\uc0b0 \uad00\ub9ac, \u2018\uc218\uc775\ub960\u2019\ubcf4\ub2e4 \u2018\ud604\uae08 \ud750\ub984\u2019\uc778 \uc774\uc720\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":753,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[122],"tags":[125,427,430],"class_list":["post-752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","tag-guide","tag-427","tag-430"],"jetpack_featured_media_url":"https:\/\/noteconomy.com\/wp-content\/uploads\/2026\/06\/Frame-1-1-26.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts\/752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/comments?post=752"}],"version-history":[{"count":1,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts\/752\/revisions"}],"predecessor-version":[{"id":754,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/posts\/752\/revisions\/754"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/media\/753"}],"wp:attachment":[{"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/media?parent=752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/categories?post=752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noteconomy.com\/en\/wp-json\/wp\/v2\/tags?post=752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}