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미국 채권 금리역전, "R의 공포"를 대처하는 개인들의 재정관리 전략
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Allmerits
2019.08.28

지난 814일 미국의 2년만기 국채와 10년만기 국채의 금리역전현상이 벌어지면서, 세계 경제에서 “R (Recession)”의 공포가 확산되고 있다. 국채금리는 정상적인 상황에서는 장기국채의 금리가 단기국채의 금리보다 높은것이 일반적이다하지만, 경기침체가 예상되면 장기적인 안전자산에 대한 투자가 과도하게 몰리게 됨으로 인해서, 장기 채권가격은 올라가고 채권금리는 급격히 하락하게 된다. 동시에 단기채권에 대한 금리가 인상되는, 금리의 역전현상이 벌어지는 것이다. 이러한 채권시장의 수익률 곡선 움직임은 경기변동을 미리 알려주는경기 선행지표로 인식되기때문에,  채권금리 역전현상은 경기침체알를 알리는 대표적인 징조로 알려져 있다.

사실 그동안 유럽과 중국등에서는 여러 차례에 걸쳐 경기침체 징조가 나타났으나, 이번에 발생한 미국의 국채금리 역전 현상으로 인해 곧 세계경제가 침체에 휩싸일있다는 불안심리가 더욱 커지고 있다.

과거 통계자료에 따르면 미국에서는 지난 1978년부터 40동안 이러한 국채금리의 역전현상은 단지다섯차례밖에 발생하지 않았으며,  지난 2007년 6이후 12만에 발생한 현상으로 기록되었다. 역사적으로 이러한 금리 역전현상이 벌어지면, 평균적으로 22개월을 전후하여 심각한 경기침체가 발생하였다. 이와 함께 미국의 30년 만기국채 또한, 2.01%라는 사상 최저치를 기록하였고, 주식시장은 하루동안 올들어 최대 하락폭을 경신하였다. 더불어, 미국의 경제계 전문가들을 대상으로 실시한 설문조사에서는 응답자의 74%가 2021년에는경제침체를 전망한다고 응답하였다.  한편에서는 아직 경기흐름을 낙관하는 일부전문가들도 있으나, 이미 시장에서는 일반투자가와 소비자들의 경제침체에 대한 불안감이 크게 증가함으로서 심리적인 요인으로 인하여그 경기 하락폭이 더 빨리 가속화 될 것이라는 전망도 나오고있다.


최근 거시 경제지표에서 나타나는 이러한 현상들에서 우리 개인들은 어떤 영향을 받게 될 것인가특히, 50후반에 속해있는 은퇴준비를 앞둔 사람들이라면,  과연 무엇을 준비해야 할 것인가?

첫째지난 2007년을 잊지 말라.

지난 2007년 미국에서 시작된 서프라임 모기지 사태는 2008년에 세계경제에 크나큰 타격을 주었다. 당시 많은 사람들이 평생 저축했던 재산의50%  가까이를 잃어 버리는 뼈아픈 경험을 했다. 특히, 은퇴를 앞두었던 많은 사람들은 자산의 증발로 인해 은퇴를 미룰수 밖에 없었고, 경제적으로 힘든 시기를 겪어야만 했었다. 비단, 은퇴연금 뿐만아니라, 부동산에서 많은 자산을 잃었고, 결과적으로 이를 만회하는데 지난10여년의 시간이 필요했다.

이제 다시 우리는 경제불황을 앞두고 있는지 모른다. 지난 2007년에서 배워야 할 것은 바로, 두번 다시같은 경험을 하지말자는 것이다. 절대 10년전의 아픈 경험을 잊지 말아야한다.


둘째가만이 앉아 때를 기다리지 말라.

많은 사람들이 경기흐름은 나의 개인적인 삶과 큰 관계가 없다고 생각하는 하다. 그러나 그렇지 않다.  은행에 하고 있는 저축이나, 직장에서 불입하는 401k, 또는 개인들의 은퇴연금, 매달 열심히 불입하고 있는 생명보험까지 하나 하나 살펴 보아야 할 시점이다.  “은퇴연금은 시간이 지나면 올라갑니다. 멀리보세요.”라는 조언을절대 따르지말라.  글을 읽고 있는 대부분의 여러분들에게 해당되는 조언이 아니다. 가만히 앉아 때를 기다리고 있다면, 결과는불보듯 뻔하다는 것을 잊지말고, 지금 움직여야 한다.


셋째욕심을 버리고무조건 지켜라.

경기불황이 예상되거나, 적어도 전망이 불투명하다는 생각이 든다면, 이미 경제불황이 시작되었다는 이야기다. 시장을 이길수는 없어도 시장에 져서는 안된다는 말이 있다. , 지나친 욕심으로 항상 남들보다 더 많은 수익을 내겠다는 욕심을 버려야 한다는이야기다. 또한, 적어도시장에서 돈을 잃어버리지는 않아야 한다는 뜻이다.

경기불황이 예상되는 상황에서는 무조건 욕심을 버리고, 그동안 저축해 놓은 것을 지켜야한다. 퍼센트를 받을수 있는가를 고민하지 말고, 어떻게 하면 잃어버리지 않을 수 있을까를 고민해야 한다. 지금 지키지 않으면, 경기가 호황으로 돌아설, 두번 다시 기회를 잡을수 없게 될지도 모르기 때문이다.


본 칼럼 내용은 8월 23일 미주한국일보에 브라이언 이 아메리츠 파이낸셜 공동대표가 기고한 내용입니다.


Blog Posting : Eunju Choi, Partner, Allmerits Financial

714-851-9355 / eunjuchoi@allmerits.com

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    [CONTENT] => <p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>지난&nbsp;</span>8<span style='font-family: "Malgun Gothic", sans-serif;'>월</span>14<span style='font-family: "Malgun Gothic", sans-serif;'>일&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미국의&nbsp;</span>2<span style='font-family: "Malgun Gothic", sans-serif;'>년만기&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>국채와&nbsp;</span>10<span style='font-family: "Malgun Gothic", sans-serif;'>년만기&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>국채의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리</span><span style='font-family: "Malgun Gothic", sans-serif;'>역전현상이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>벌어지면서</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>전</span><span style='font-family: "Malgun Gothic", sans-serif;'>세계&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경제에서&nbsp;</span>&ldquo;R (Recession)&rdquo;<span style='font-family: "Malgun Gothic", sans-serif;'>의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>공포가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>확산되고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>국채금리는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>정상적인&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>상황에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>장기국채의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>단기국채의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리보다&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>높은</span><span style='font-family: "Malgun Gothic", sans-serif;'>것이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>일반적이다</span>.&nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>하지만</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>경기침체가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>예상되면&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>장기적인&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>안전자산에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>대한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>투자가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>과도하게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>몰리게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>됨으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>인해서</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>장기 채권가격은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>올라가고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>채권금리는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>급격히&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하락하게 된다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>동시에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>단기채권에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>대한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>인상되는</span><span style='font-family: "Malgun Gothic", sans-serif;'>즉</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>금리의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>역전현상이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>벌어지는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것이다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>이러한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>채권시장의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>수익률&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>곡선&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>움직임은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기변동을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미리&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>알려주는</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기 선행지표로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>인식되기</span><span style='font-family: "Malgun Gothic", sans-serif;'>때문에</span>, &nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>채권</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리 역전현상은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기침체</span><span style='font-family: "Malgun Gothic", sans-serif;'>알를 알리는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>대표적인&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>징조로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>알려져&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>사실&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>그동안&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>유럽과&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>중국</span><span style='font-family: "Malgun Gothic", sans-serif;'>등에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>여러 차례에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>걸쳐&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기침체&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>징조가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>나타났으나</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>이번에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>발생한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미국의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>국채</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>역전 현상으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>인해&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>곧&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>세계경제가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>침체에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>휩싸일</span><span style='font-family: "Malgun Gothic", sans-serif;'>수</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>불안</span><span style='font-family: "Malgun Gothic", sans-serif;'>심리가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>더욱&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>커지고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>과거&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>통계자료에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>따르면&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미국에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>지난&nbsp;</span>1978<span style='font-family: "Malgun Gothic", sans-serif;'>년부터&nbsp;</span>40<span style='font-family: "Malgun Gothic", sans-serif;'>년</span><span style='font-family: "Malgun Gothic", sans-serif;'>동안&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>이러한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>국채</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>역전현상은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>단지</span><span style='font-family: "Malgun Gothic", sans-serif;'>다섯차례</span><span style='font-family: "Malgun Gothic", sans-serif;'>밖에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>발생하지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>않았으며</span>, &nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>지난&nbsp;</span>2007<span style='font-family: "Malgun Gothic", sans-serif;'>년&nbsp;</span>6<span style='font-family: "Malgun Gothic", sans-serif;'>월</span><span style='font-family: "Malgun Gothic", sans-serif;'>이후&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>약</span>12<span style='font-family: "Malgun Gothic", sans-serif;'>년</span><span style='font-family: "Malgun Gothic", sans-serif;'>만에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>발생한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>현상으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>기록되었다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>역사적으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>이러한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>금리 역전현상이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>벌어지면</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>평균적으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>약</span>22<span style='font-family: "Malgun Gothic", sans-serif;'>개월을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>전후하여&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>심각한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기침체가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>발생하였다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>이와&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>함께&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미국의</span> 30<span style='font-family: "Malgun Gothic", sans-serif;'>년 만기</span><span style='font-family: "Malgun Gothic", sans-serif;'>국채&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>또한</span>, 2.01%<span style='font-family: "Malgun Gothic", sans-serif;'>라는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>사상&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>최저치를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>기록하였고</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>주식시장은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하루동안&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>올들어&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>최대&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하락폭을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경신하였다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>더불어</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>미국의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경제계&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>전문가들을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>대상으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>실시한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>설문조사에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>응답자의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>약</span>74%<span style='font-family: "Malgun Gothic", sans-serif;'>가&nbsp;</span>2021<span style='font-family: "Malgun Gothic", sans-serif;'>년에는</span><span style='font-family: "Malgun Gothic", sans-serif;'>경제침체를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>전망한다고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>응답하였다</span>. &nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>한편에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>아직&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기</span><span style='font-family: "Malgun Gothic", sans-serif;'>흐름을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>낙관하는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>일부</span><span style='font-family: "Malgun Gothic", sans-serif;'>전문가들도&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있으나</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>이미&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시장에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>일반</span><span style='font-family: "Malgun Gothic", sans-serif;'>투자가와&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>소비자들의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경제침체에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>대한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>불안감이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>크게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>증가함으로서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>심리적인&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>요인으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>인하여</span><span style='font-family: "Malgun Gothic", sans-serif;'>그&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기 하락폭이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>더&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>빨리&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>가속화&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>될&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것이라는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>전망도&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>나오고</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><br></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>최근&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>거시 경제지표에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>나타나는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>이러한&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>현상들에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>우리&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>개인들은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>어떤&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>영향을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>받게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>될&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것인가</span>?&nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>특히</span>, 50<span style='font-family: "Malgun Gothic", sans-serif;'>대</span><span style='font-family: "Malgun Gothic", sans-serif;'>중</span>.&nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>후반에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>속해</span><span style='font-family: "Malgun Gothic", sans-serif;'>있는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>은퇴준비를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>앞둔&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>사람들이라면</span>,&nbsp;&nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>과연&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>무엇을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>준비해야&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>할&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것인가</span>?</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><strong><span style='font-family: "Malgun Gothic", sans-serif;'>첫째</span>,&nbsp;</strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>지난&nbsp;</span>2007</strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>년을&nbsp;</span></strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>잊지&nbsp;</span></strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>말라</span>.</strong></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>지난&nbsp;</span>2007<span style='font-family: "Malgun Gothic", sans-serif;'>년&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미국에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시작된&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>서프라임 모기지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>사태는&nbsp;</span>2008<span style='font-family: "Malgun Gothic", sans-serif;'>년에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>세계</span><span style='font-family: "Malgun Gothic", sans-serif;'>경제에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>크나</span><span style='font-family: "Malgun Gothic", sans-serif;'>큰&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>타격을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>주었다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>당시&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>많은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>사람들이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>평생&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>저축했던&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>재산의</span>50%&nbsp;&nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>가까이를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잃어 버리는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>뼈아픈&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경험을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>했다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>특히</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>은퇴를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>앞두었던&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>많은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>사람들은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>자산의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>증발로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>인해&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>은퇴를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>미룰</span><span style='font-family: "Malgun Gothic", sans-serif;'>수&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>밖에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>없었고</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>경제적으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>힘든&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시기를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>겪어야만&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>했었다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>비단</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>은퇴</span><span style='font-family: "Malgun Gothic", sans-serif;'>연금&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>뿐만</span><span style='font-family: "Malgun Gothic", sans-serif;'>아니라</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>부동산에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>많은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>자산을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잃었고</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>결과적으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>이를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>만회하는데&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>지난</span>10<span style='font-family: "Malgun Gothic", sans-serif;'>여년의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시간이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>필요했다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>이제&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>또</span><span style='font-family: "Malgun Gothic", sans-serif;'>다시&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>우리는&nbsp;</span>&ldquo;<span style='font-family: "Malgun Gothic", sans-serif;'>경제</span><span style='font-family: "Malgun Gothic", sans-serif;'>불황</span>&rdquo;<span style='font-family: "Malgun Gothic", sans-serif;'>을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>앞두고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있는지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>모른다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>지난&nbsp;</span>2007<span style='font-family: "Malgun Gothic", sans-serif;'>년에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>배워야&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>할&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>바로</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>두번&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>다시</span><span style='font-family: "Malgun Gothic", sans-serif;'>같은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경험을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하지</span><span style='font-family: "Malgun Gothic", sans-serif;'>말자는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것이다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>절대&nbsp;</span>10<span style='font-family: "Malgun Gothic", sans-serif;'>년전의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>아픈&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경험을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잊지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>말아야</span><span style='font-family: "Malgun Gothic", sans-serif;'>한다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><br></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><strong><span style='font-family: "Malgun Gothic", sans-serif;'>둘째</span>,&nbsp;</strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>가만이&nbsp;</span></strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>앉아&nbsp;</span></strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>때를&nbsp;</span></strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>기다리지&nbsp;</span></strong><strong><span style='font-family: "Malgun Gothic", sans-serif;'>말라</span>.</strong></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>많은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>사람들이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경기흐름은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>나의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>개인적인&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>삶과&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>큰&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>관계가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>없다고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>생각하는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>듯</span><span style='font-family: "Malgun Gothic", sans-serif;'>하다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>그러나&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>그렇지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>않다</span>. &nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>은행에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>저축이나</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>직장에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>불입하는&nbsp;</span>401k, <span style='font-family: "Malgun Gothic", sans-serif;'>또는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>개인들의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>은퇴</span><span style='font-family: "Malgun Gothic", sans-serif;'>연금</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>매달&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>열심히&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>불입하고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>생명보험까지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하나&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하나&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>살펴 보아야&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>할 시</span><span style='font-family: "Malgun Gothic", sans-serif;'>점이다</span>.&nbsp; &ldquo;<span style='font-family: "Malgun Gothic", sans-serif;'>은퇴연금은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시간이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>지나면&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>올라갑니다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>멀리</span><span style='font-family: "Malgun Gothic", sans-serif;'>보세요</span>.&rdquo;<span style='font-family: "Malgun Gothic", sans-serif;'>라는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>조언을</span><span style='font-family: "Malgun Gothic", sans-serif;'>절대&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>따르지</span><span style='font-family: "Malgun Gothic", sans-serif;'>말라</span>.&nbsp;&nbsp;<span style='font-family: "Malgun Gothic", sans-serif;'>이</span><span style='font-family: "Malgun Gothic", sans-serif;'>글을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>읽고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>대부분의&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>여러분들에게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>해당되는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>조언이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>아니다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>가만히&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>앉아&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>때를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>기다리고&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다면</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>결과는</span><span style='font-family: "Malgun Gothic", sans-serif;'>불보듯&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>뻔하다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잊지</span><span style='font-family: "Malgun Gothic", sans-serif;'>말고</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>지금&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>움직여야&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>한다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><strong style="font-size:15px;"><span style='font-family: "Malgun Gothic", sans-serif;'><br></span></strong></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><strong style="font-size:15px;"><span style='font-family: "Malgun Gothic", sans-serif;'>셋째</span>,&nbsp;</strong><b style="font-size:15px;"><span style='font-family: "Malgun Gothic", sans-serif;'>욕심을&nbsp;</span></b><b style="font-size:15px;"><span style='font-family: "Malgun Gothic", sans-serif;'>버리고</span>,&nbsp;</b><b style="font-size:15px;"><span style='font-family: "Malgun Gothic", sans-serif;'>무조건&nbsp;</span></b><b style="font-size:15px;"><span style='font-family: "Malgun Gothic", sans-serif;'>지켜라</span>.</b></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>경기불황이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>예상되거나</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>적어도&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>전망이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>불투명하다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>생각이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>든다면</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>이미&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>경제</span><span style='font-family: "Malgun Gothic", sans-serif;'>불황이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시작되었다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>이야기다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>시장을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>이길</span><span style='font-family: "Malgun Gothic", sans-serif;'>수는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>없어도&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>시장에&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>져서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>안된다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>말이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>즉</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>지나친&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>욕심으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>항상&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>남들보다&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>더&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>많은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>수익을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>내겠다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>욕심을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>버려야&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>한다는</span><span style='font-family: "Malgun Gothic", sans-serif;'>이야기다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>또한</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>적어도</span><span style='font-family: "Malgun Gothic", sans-serif;'>시장에서&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>돈을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잃어버리지는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>않아야 한</span><span style='font-family: "Malgun Gothic", sans-serif;'>다는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>뜻이다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><span style='font-family: "Malgun Gothic", sans-serif;'>경기불황이&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>예상되는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>상황에서는&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>무조건&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>욕심을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>버리고</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>그동안&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>저축해&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>놓은&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>것을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>지켜야</span><span style='font-family: "Malgun Gothic", sans-serif;'>한다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>몇</span><span style='font-family: "Malgun Gothic", sans-serif;'>퍼센트를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>더</span><span style='font-family: "Malgun Gothic", sans-serif;'>받을</span><span style='font-family: "Malgun Gothic", sans-serif;'>수&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있는가를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>고민하지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>말고</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>어떻게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>하면&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잃어</span><span style='font-family: "Malgun Gothic", sans-serif;'>버리지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>않을&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>수&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>있을까를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>고민해야&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>한다</span>. <span style='font-family: "Malgun Gothic", sans-serif;'>지금&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>지키지&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>않으면</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>경기가&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>호황으로&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>돌아설</span><span style='font-family: "Malgun Gothic", sans-serif;'>때</span>, <span style='font-family: "Malgun Gothic", sans-serif;'>두번&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>다시&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>기회를&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>잡을</span><span style='font-family: "Malgun Gothic", sans-serif;'>수&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>없게&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>될지도&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>모르기&nbsp;</span><span style='font-family: "Malgun Gothic", sans-serif;'>때문이다</span>.</p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;"><br></p><p style="margin: 0in 0in 10pt;font-size:15px;font-family: Calibri, sans-serif;">본 칼럼 내용은 8월 23일 미주한국일보에 브라이언 이 아메리츠 파이낸셜 공동대표가 기고한 내용입니다.</p><p><br></p><p>Blog Posting : <strong>Eunju Choi</strong>, <em>Partner, Allmerits Financial</em></p><p><em>714-851-9355 / eunjuchoi@allmerits.com</em></p>
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