๊ฐ์ •์˜ ์‹ฌ๋ฆฌํ•™: ์ŠคํŠธ๋ ˆ์Šค ๊ด€๋ฆฌ์™€ ๊ฐ์ • ์กฐ์ ˆ ๋ฐฉ๋ฒ•

๊ฐ์ •์˜ ์‹ฌ๋ฆฌํ•™: ์ŠคํŠธ๋ ˆ์Šค ๊ด€๋ฆฌ์™€ ๊ฐ์ • ์กฐ์ ˆ ๋ฐฉ๋ฒ• ๋ชจ๋“  ์ง์žฅ์ธ๋“ค์—๊ฒŒ๋Š” ์ผ์ƒ์—์„œ ๋‹ค์–‘ํ•œ ๊ฐ์ •์ด ๋ฐœ์ƒํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋‚˜ ๋•Œ๋กœ๋Š” ์ด๋Ÿฌํ•œ ๊ฐ์ •๋“ค์ด ์šฐ๋ฆฌ๋ฅผ ์ŠคํŠธ๋ ˆ์Šค์™€ ๋ถˆ์•ˆ์— ๋น ๋œจ๋ฆฌ๊ธฐ๋„ ํ•ฉ๋‹ˆ๋‹ค. ์ง์žฅ ์ƒํ™œ์—์„œ ์ŠคํŠธ๋ ˆ์Šค๋ฅผ ๊ด€๋ฆฌํ•˜๊ณ  ๊ฐ์ •์„ ์กฐ์ ˆํ•˜๋Š” ๊ฒƒ์€ ์šฐ๋ฆฌ๊ฐ€ ํšจ์œจ์ ์œผ๋กœ ์ผ์„ ์ฒ˜๋ฆฌํ•˜๊ณ  ์‚ถ์„ ์กฐํ™”๋กญ๊ฒŒ ์‚ด์•„๊ฐ€๋Š” ๋ฐ ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค. ์ด ๊ธ€์—์„œ๋Š” ๊ฐ์ •์˜ ์‹ฌ๋ฆฌํ•™์— ๋Œ€ํ•ด ์•Œ์•„๋ณด๊ณ , ์ง์žฅ์—์„œ์˜ ์ŠคํŠธ๋ ˆ์Šค ๊ด€๋ฆฌ์™€ ๊ฐ์ • ์กฐ์ ˆ์— ๋Œ€ํ•œ ๋ฐฉ๋ฒ•์„ ์‚ดํŽด๋ณด๊ฒ ์Šต๋‹ˆ๋‹ค. ์ง์žฅ์—์„œ ์ŠคํŠธ๋ ˆ์Šค๋ฅผ ๊ด€๋ฆฌํ•˜๊ธฐ …

ํˆฌ์ž๊ฐ€ ์ฒ˜์Œ์ธ ์‚ฌ๋žŒ์ด ๋ณด๋ฉด ์ข‹์€ ๋‹จ์–ด 29๊ฐœ | ๊ฐœ์ธ ์žฌ๋ฌด ๊ด€๋ฆฌ์˜ ํ•ต์‹ฌ ํˆฌ์ž,์žฌ๋ฌด,๊ฒฝ์ œ ๊ด€๋ จ ๊ฐ„๋‹จํ•œ ์šฉ์–ด,๋‹จ์–ด ์ •๋ฆฌ

1. ํˆฌ์ž ๊ด€๋ จ ์šฉ์–ด ์ž์‚ฐ ๋ฐฐ๋ถ„ (Asset Allocation): ๋‹ค์–‘ํ•œ ์ž์‚ฐ ํด๋ž˜์Šค ์‚ฌ์ด์—์„œ ํˆฌ์ž ํฌํŠธํด๋ฆฌ์˜ค๋ฅผ ๋‚˜๋ˆ„๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค. ์ฃผ์‹, ์ฑ„๊ถŒ, ํ˜„๊ธˆ ๋“ฑ์˜ ์ž์‚ฐ์„ ์กฐ์ ˆํ•˜์—ฌ ํˆฌ์ž ์œ„ํ—˜์„ ๊ด€๋ฆฌํ•ฉ๋‹ˆ๋‹ค. ํฌํŠธํด๋ฆฌ์˜ค ๋‹ค๋ณ€ํ™” (Portfolio Diversification): ํˆฌ์ž ํฌํŠธํด๋ฆฌ์˜ค๋ฅผ ๋‹ค์–‘ํ•œ ์ž์‚ฐ์œผ๋กœ ๋ถ„์‚ฐ์‹œ์ผœ ๋ฆฌ์Šคํฌ๋ฅผ ๊ฐ์†Œ์‹œํ‚ค๋Š” ์ „๋žต์ž…๋‹ˆ๋‹ค. ์ฃผ์‹ ์‹œ์žฅ ์ง€์ˆ˜ (Stock Market Index): ์ฃผ์‹ ์‹œ์žฅ์˜ ์„ฑ๊ณผ๋ฅผ ๋‚˜ํƒ€๋‚ด๋Š” ์ง€์ˆ˜๋กœ, ๋Œ€ํ‘œ์ ์œผ๋กœ S&P 500, KOSPI ๋“ฑ์ด ์žˆ์Šต๋‹ˆ๋‹ค. …