{"id":4979,"date":"2026-02-23T15:39:17","date_gmt":"2026-02-23T06:39:17","guid":{"rendered":"https:\/\/thetibs.co.kr\/?p=4979"},"modified":"2026-03-09T11:41:46","modified_gmt":"2026-03-09T02:41:46","slug":"the-tibs-x-fcl-%ed%95%b4%ec%99%b8%eb%a1%9c-%eb%82%98%ea%b0%84-%ed%88%ac%ec%9e%90%ec%9e%90%ea%b8%88-%eb%8b%a4%ec%8b%9c-%ea%b5%ad%eb%82%b4%eb%a1%9c-%ed%99%98%eb%a5%98-ria","status":"publish","type":"post","link":"https:\/\/thetibs.co.kr\/?p=4979","title":{"rendered":"[The Tibs X FCL] \ud574\uc678\ub85c \ub098\uac04 \ud22c\uc790\uc790\uae08, \ub2e4\uc2dc \uad6d\ub0b4\ub85c \ud658\ub958 ‘RIA’"},"content":{"rendered":"

\"\"<\/p>\n

\n

\"\"<\/p>\n

RIA\ub780 \ubb34\uc5c7\uc778\uac00<\/strong><\/p>\n

RIA<\/strong>(Reshoring Investment Account)<\/span>\ub294
\n\ud574\uc678\uc8fc\uc2dd \ud22c\uc790 \uc790\uae08\uc744 \uad6d\ub0b4\ub85c \uc720\ub3c4\ud558\uae30 \uc704\ud574 \ub3c4\uc785\ub41c \uc81c\ub3c4\ub2e4.
\n\ud574\uc678\uc5d0 \ud22c\uc790\ub41c \uc790\uae08\uc744 \uad6d\ub0b4 \uc99d\uad8c\uc2dc\uc7a5\uc73c\ub85c \ud658\ub958\uc2dc\ud0a4\uace0,
\n\uc774\ub97c \ud1b5\ud574 \uad6d\ub0b4 \uc99d\uc2dc \ud65c\uc131\ud654\uc640 \ud658\uc728 \uc548\uc815\uc774\ub77c\ub294 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4.
\n\ub610\ud55c \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \uc591\ub3c4\uc18c\ub4dd\uc138 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uc808\uc138 \uae30\ud68c\ub97c \uc81c\uacf5\ud568\uc73c\ub85c\uc368,
\n\uac1c\uc778 \ud22c\uc790 \uc720\uc778\uc744 \uace0\ub824\ud55c \uc81c\ub3c4\ub77c\ub294 \uc810\uc5d0\uc11c \uc758\ubbf8\uac00 \uc788\ub2e4.
\n\ub530\ub77c\uc11c RIA\ub294 \uc815\ubd80 \uc815\ucc45\uacfc \ud22c\uc790\uc790\uc758 \uc138\uc81c \ud61c\ud0dd\uc774 \uacb0\ud569\ub41c \uc0c8\ub85c\uc6b4 \uc81c\ub3c4\ub77c\uace0 \ubcfc \uc218 \uc788\ub2e4.<\/p>\n

\"\"<\/p>\n

\ubcf5\uadc0 \uc2dc\uc810\uc5d0 \ub530\ub77c \uc138\uae08\uc774 \ub2ec\ub77c\uc9c4\ub2e4\uace0?<\/strong><\/p>\n

\ud574\uc678\uc8fc\uc2dd\uc744 \ub9e4\ub3c4\ud558\uace0 RIA\ub85c \ubcf5\uadc0\ud558\ub294 \uc2dc\uc810\uc5d0 \ub530\ub77c \uc591\ub3c4\uc18c\ub4dd\uc138 \uac10\uba74 \ube44\uc728\uc774 \ub2e4\ub974\uac8c \uc801\uc6a9\ub41c\ub2e4.
\n\uc989, \uc5b8\uc81c \ubcf5\uadc0\ud558\ub290\ub0d0\uc5d0 \ub530\ub77c \uc2e4\uc81c\ub85c \ubd80\ub2f4\ud558\uac8c \ub418\ub294 \uc138\uae08 \uaddc\ubaa8\uac00 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.
\n2026\ub144 1\ubd84\uae30\uc5d0 \ubcf5\uadc0\ud558\uba74 \uc591\ub3c4\uc18c\ub4dd\uc138\uac00 100% \uba74\uc81c\ub418\uace0,
\n2026\ub144 2\ubd84\uae30\uc5d0 \ubcf5\uadc0\ud558\uba74 80% \uac10\uba74,
\n2026\ub144 \ud558\ubc18\uae30\uc5d0 \ubcf5\uadc0\ud558\uba74 50% \uac10\uba74\uc774 \uc801\uc6a9\ub41c\ub2e4.
\n\uc815\ub9ac\ud558\uba74, \ubcf5\uadc0 \uc2dc\uc810\uc774 \ube60\ub97c\uc218\ub85d \uc138\uc81c \ud61c\ud0dd\uc740 \ub354 \ucee4\uc9c4\ub2e4.
\nRIA \uc81c\ub3c4\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \ud3ec\uc778\ud2b8\ub294 \ubc14\ub85c \uc774 \u2018\ubcf5\uadc0 \ud0c0\uc774\ubc0d\u2019\uc774\ub2e4.<\/p>\n

\"\"<\/p>\n

\uc2e4\uc81c \uc808\uc138\ud6a8\uacfc\ub294?<\/strong><\/p>\n

\ud574\uc678\uc8fc\uc2dd\uc5d0 3,000\ub9cc \uc6d0\uc744 \ud22c\uc790\ud574 5,000\ub9cc \uc6d0\uc5d0 \ub9e4\ub3c4\ud560 \uacbd\uc6b0
\n\uc591\ub3c4\ucc28\uc775\uc740 2,000\ub9cc \uc6d0\uc774 \ubc1c\uc0dd\ud55c\ub2e4.
\n\uc5ec\uae30\uc5d0 \uae30\ubcf8\uacf5\uc81c 250\ub9cc \uc6d0\uc744 \uc801\uc6a9\ud558\uba74 \uacfc\uc138\ud45c\uc900\uc740 1,750\ub9cc \uc6d0\uc774 \ub418\uba70,
\n\uc138\uc728 22%\ub97c \uc801\uc6a9\ud560 \uacbd\uc6b0 \uc57d 385\ub9cc \uc6d0\uc758 \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c \ubd80\ub2f4\ud558\uac8c \ub41c\ub2e4.
\n\ud558\uc9c0\ub9cc 2026\ub144 1\ubd84\uae30\ubd80\ud130 IMA\ub97c \ud65c\uc6a9\ud558\uba74 \uc591\ub3c4\uc18c\ub4dd\uc138\ub97c 0\uc6d0\uae4c\uc9c0 \uc904\uc77c \uc218 \uc788\uc5b4,
\n\ub2e8 \ud55c \ubc88\uc758 \uc120\ud0dd\ub9cc\uc73c\ub85c\ub3c4 \uc218\ubc31\ub9cc \uc6d0\uc758 \uc808\uc138 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4.<\/p>\n

\"\"<\/p>\n

\ubc18\ub4dc\uc2dc \uc9c0\ucf1c\uc57c \ud560 3\uac00\uc9c0 \uc870\uac74<\/strong><\/p>\n

\ud574\uc678 \uc8fc\uc2dd \ud22c\uc790\uc790\uc5d0\uac8c RIA(\uac1c\uc778\ud22c\uc790\uc6a9 \uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub294 \ub9e4\ub825\uc801\uc778 \uc808\uc138 \uc218\ub2e8\uc774\uc9c0\ub9cc,
\n\uc138\ubd80 \uc870\ud56d\uc744 \uac04\uacfc\ud558\uba74 \ud61c\ud0dd\uc774 \uc0ac\ub77c\uc9c8 \uc704\ud5d8\uc774 \ud06c\ub2e4.
\n\ub530\ub77c\uc11c \ud22c\uc790\uc790\ub294 \ub2e4\uc74c\uc758 \uc138 \uac00\uc9c0 \ud575\uc2ec \uc8fc\uc758\uc0ac\ud56d\uc744 \uba85\ud655\ud788 \uc219\uc9c0\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\uccab\uc9f8, \uc801\uc6a9 \ub300\uc0c1\uacfc \uc808\ucc28\ub97c \uc5c4\uc218\ud574\uc57c \ud55c\ub2e4.<\/strong><\/span>
\n\uc774\ubc88 \ud61c\ud0dd\uc740 2025\ub144 12\uc6d4 23\uc77c\uae4c\uc9c0 \ubcf4\uc720\ud55c \ud574\uc678 \uc8fc\uc2dd \ubc0f ETF\uc5d0 \ud55c\uc815\ub418\uba70,
\n\uc774\ud6c4 \uc2e0\uaddc \ub9e4\uc218\ubd84\uc740 \uc81c\uc678\ub41c\ub2e4.
\n\ud2b9\ud788 \uc77c\ubc18 \uacc4\uc88c\uc5d0\uc11c \ubc14\ub85c \ub9e4\ub3c4\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c,
\n\ubc18\ub4dc\uc2dc RIA \uacc4\uc88c\ub85c \uc774\uccb4\ud55c \ub4a4 \ub9e4\ub3c4\ud574\uc57c \ud61c\ud0dd\uc774 \uc801\uc6a9\ub41c\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\ub458\uc9f8, \uac10\uba74 \ud55c\ub3c4\uc758 \uae30\uc900\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud574\uc57c \ud55c\ub2e4.<\/strong><\/span>
\n\uc138\uc81c \ud61c\ud0dd\uc740 \uc218\uc775\uae08\uc774 \uc544\ub2cc 1\uc778\ub2f9 ‘\ub9e4\ub3c4 \uae08\uc561’ 5,000\ub9cc \uc6d0\uc744 \uae30\uc900\uc73c\ub85c \uc124\uc815\ub41c\ub2e4.
\n\uc81c\ud55c\ub41c \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc808\uc138 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\ub824\uba74
\n\uc218\uc775\ub960\uc774 \ub0ae\uc740 \uc885\ubaa9\ubcf4\ub2e4 \ub192\uc740 \uc885\ubaa9\uc744 \uc6b0\uc120\uc801\uc73c\ub85c \ub9e4\ub3c4\ud558\uc5ec
\n\uacfc\uc138 \ub300\uc0c1 \ucc28\uc775\uc744 \uc904\uc774\ub294 \uc804\ub7b5\uc774 \uc720\ub9ac\ud558\ub2e4.<\/p>\n

\uc14b\uc9f8, \uad6d\ub0b4 \ud22c\uc790 \uc720\uc9c0 \uc758\ubb34\ub97c \uc900\uc218\ud574\uc57c \ud55c\ub2e4.<\/strong><\/span>
\nRIA\ub97c \ud1b5\ud574 \ud655\ubcf4\ud55c \uc790\uae08\uc740 \uad6d\ub0b4 \uc8fc\uc2dd\uc774\ub098 ETF\uc5d0 \ud22c\uc790\ub418\uc5b4\uc57c \ud558\uba70,
\n\ucd5c\uc18c 1\ub144 \uc774\uc0c1\uc758 \uc720\uc9c0 \uae30\uac04\uc774 \ud544\uc218\uc801\uc774\ub2e4.
\n\uacc4\uc88c \ub0b4 \uc885\ubaa9 \uad50\uccb4\ub098 \uc218\uc775\uae08 \ucd9c\uae08\uc740 \uc790\uc720\ub85c\uc6b0\ub098,
\n\ud61c\ud0dd \uc218\ud61c \ud6c4 \ud574\uc678 \uc8fc\uc2dd\uc744 \uc7ac\ub9e4\uc218\ud560 \uacbd\uc6b0 \uc138\uc81c \ud61c\ud0dd\uc774 \uac10\uc18c\ud560 \uc218 \uc788\uc74c\uc744 \uc778\uc9c0\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\"\"<\/p>\n

\uc11c\ud559\uac1c\ubbf8\uc758 \uadc0\ud55c? RIA\uac00 \ub358\uc9c0\ub294 \uc2e0\ud638<\/strong><\/p>\n

RIA\uc758 \ud575\uc2ec\uc740 \ud574\uc678\ub85c \ub098\uac14\ub358 \ud22c\uc790 \uc790\uae08\uc758 \uad6d\ub0b4 \ubcf5\uadc0\ub97c \uc720\ub3c4\ud558\ub294 \ub370 \uc788\ub2e4.
\n\uc774\ub97c \ud1b5\ud574 \uc790\uae08 \ud750\ub984\uc744 \uad6d\ub0b4\ub85c \ub418\ub3cc\ub9ac\uace0,
\n\uce68\uccb4\ub41c \uc790\ubcf8\uc2dc\uc7a5\uc5d0 \uc0c8\ub85c\uc6b4 \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uaca0\ub2e4\ub294 \ucde8\uc9c0\ub2e4.
\n\uc544\uc6b8\ub7ec RIA\ub294 \uc678\ud658\uc2dc\uc7a5 \uc548\uc815\uc774\ub77c\ub294 \uc815\ucc45\uc801 \ubaa9\ud45c\ub3c4 \ud568\uaed8 \ub2f4\uace0 \uc788\ub2e4.
\n\ud574\uc678 \ud22c\uc790 \uc218\uc694 \uc99d\uac00\ub85c \uc778\ud55c \uc678\ud658\uc2dc\uc7a5 \ubd88\uc548 \uc694\uc778\uc744 \uc644\ud654\ud558\uace0,
\n\ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uae08\uc735 \ud658\uacbd\uc744 \uc870\uc131\ud558\ub294 \ub370 \uae30\uc5ec\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc5d0\uc11c \uc758\ubbf8\uac00 \ud06c\ub2e4.
\n\uacb0\uad6d RIA\uac00 \uc9c0\ud5a5\ud558\ub294 \ubc29\ud5a5\uc740 \ubd84\uba85\ud558\ub2e4.
\n\uad6d\ub0b4\ub85c\uc758 \uc790\uae08 \uc720\uc785\uc744 \ud655\ub300\ud574 \uc720\ub3d9\uc131\uc744 \ub192\uc774\uace0,
\n\uc774\ub97c \ud1b5\ud574 \uad6d\ub0b4 \uc99d\uc2dc\uc758 \ud65c\ub825\uc744 \ud68c\ubcf5\ud558\ub294 \uac83\uc774\ub2e4.
\n\uace0\ud658\uc728 \uc2dc\ub300, \uc678\ud658 \uc548\uc815\uacfc \uc99d\uc2dc \ud65c\ub825\uc744 \ub3d9\uc2dc\uc5d0 \ub3c4\ubaa8\ud558\ub294 \ud575\uc2ec \uc815\ucc45.
\nRIA\uac00 \ub358\uc9c0\ub294 \uc2e0\ud638\uc5d0 \uae08\uc735\uc2dc\uc7a5\uc758 \uc774\ubaa9\uc774 \uc9d1\uc911\ub418\uace0 \uc788\ub2e4.<\/p>\n

\n

\"\"<\/span><\/p>\n

\uc11c\uacbd\ub300\ud559\uad50 \uae08\uc735\uc18c\ube44\uc790\uc5f0\uad6c\ud68c(FCL)<\/strong>\ub294<\/span>
\n\uae08\uc735\uc815\ubcf4\uacf5\ud559\uacfc \ubc15\uc6d0\uc8fc \uad50\uc218\uac00 \uc9c0\ub3c4\ud558\ub294 \ud559\uc0dd \uc911\uc2ec \uae08\uc735 \uc5f0\uad6c\ud68c\ub85c,<\/span>
\n\uc5b4\ub824\uc6b4 \uacbd\uc81c \uae08\uc735 \uc18c\uc2dd\uc744 \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uaed8 \uc27d\uace0 \uc7ac\ubbf8\uc788\uac8c \uc804\ub2ec\ud558\uae30 \uc704\ud574<\/span>
\n\uc815\uae30 \ucf58\ud150\uce20\ub97c \ubc1c\ud589\ud569\ub2c8\ub2e4.<\/span><\/p>\n

*\uc678\ubd80 \uae30\uace0\uc790\uc758 \uc6d0\uace0\ub294 \ubcf8\uc9c0\uc758 \ud3b8\uc9d1 \ubc29\ud5a5\uacfc \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

RIA\ub780 \ubb34\uc5c7\uc778\uac00 RIA(Reshoring Investment Account)\ub294 \ud574\uc678\uc8fc\uc2dd \ud22c\uc790 \uc790\uae08\uc744 \uad6d\ub0b4\ub85c \uc720\ub3c4\ud558\uae30 \uc704\ud574 \ub3c4\uc785\ub41c \uc81c\ub3c4\ub2e4. \ud574\uc678\uc5d0 \ud22c\uc790\ub41c \uc790\uae08\uc744 \uad6d\ub0b4 \uc99d\uad8c\uc2dc\uc7a5\uc73c\ub85c \ud658\ub958\uc2dc\ud0a4\uace0, \uc774\ub97c \ud1b5\ud574 \uad6d\ub0b4 \uc99d\uc2dc \ud65c\uc131\ud654\uc640 \ud658\uc728 \uc548\uc815\uc774\ub77c\ub294 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4. \ub610\ud55c \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \uc591\ub3c4\uc18c\ub4dd\uc138 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uc808\uc138 \uae30\ud68c\ub97c \uc81c\uacf5\ud568\uc73c\ub85c\uc368, \uac1c\uc778 \ud22c\uc790 \uc720\uc778\uc744 \uace0\ub824\ud55c \uc81c\ub3c4\ub77c\ub294 \uc810\uc5d0\uc11c \uc758\ubbf8\uac00 \uc788\ub2e4. \ub530\ub77c\uc11c RIA\ub294 \uc815\ubd80 \uc815\ucc45\uacfc \ud22c\uc790\uc790\uc758 \uc138\uc81c \ud61c\ud0dd\uc774… \ub354 \ubcf4\uae30 »[The Tibs X FCL] \ud574\uc678\ub85c \ub098\uac04 \ud22c\uc790\uc790\uae08, \ub2e4\uc2dc \uad6d\ub0b4\ub85c \ud658\ub958 ‘RIA’<\/span><\/a><\/p>\n","protected":false},"author":9,"featured_media":4982,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":70,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[19,11,116,12],"tags":[1598,2308,494,2314,2313,2312,2311,492,2309,2310],"class_list":["post-4979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-main","category-learning","category-issue-main","category-issue","tag-fcl","tag-ria","tag-494","tag-2314","tag-2313","tag-2312","tag-2311","tag-492","tag-2309","tag-2310"],"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","_links":{"self":[{"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/4979","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4979"}],"version-history":[{"count":4,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/4979\/revisions"}],"predecessor-version":[{"id":5024,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/4979\/revisions\/5024"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=\/wp\/v2\/media\/4982"}],"wp:attachment":[{"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4979"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4979"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thetibs.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}