๐ ๋ชฉ์ฐจ
- ๐ฐ ์ํธํํ ์ธ๊ธ ์์ฆ: ์ ์ธ์ ๊ธฐํ๋ฅผ ์ก๋ ๋ฐฉ๋ฒ
- ๐ธ ์ธ๊ธ ์์ค ์ํ(Tax Loss Harvesting): ์์ค ์๊ณ๋ก ์๋ณธ ์ด๋์ธ ์ ๊ฐ
- ๐ ์ํธํํ ์์ ๊ธฐ๋ถ(Charitable Contributions): ์ธ๊ธ ๊ณต์ ํํ ๊ทน๋ํ
- ๐ ์ฅ๊ธฐ ๋ณด์ ๋ฐ ๊ธฐํ ๊ตฌ์ญ ํฌ์(Long-Term Holdings & OZs): ์ค๋งํธํ ์ ์ธ ์ ๋ต
- ๐ง ์ถ๊ฐ ์ ์ธ ๊ธฐ๋ฒ ๋ฐ ์ ๋ฌธ๊ฐ ํ์ฉ: ๋ณต์กํ ์ํฉ์ ์ํ ํ๋ช ํ ์ ๊ทผ
- ๐ ๋ฉด์ฑ ์กฐํญ ๋ฐ ํต์ฌ ์์ฝ
- ❓ ์์ฃผ ๋ฌป๋ ์ง๋ฌธ (FAQ)
๋งค๋ ์ฐพ์์ค๋ ์ํธํํ ์ธ๊ธ ์์ฆ์ ๋ง์ ํฌ์์์๊ฒ ๋ณต์กํ๊ณ ๊ณจ์น ์ํ ๋ฌธ์ ๋ก ๋ค๊ฐ์์. ํนํ ์๋ณธ ์ด๋์ด ๋ฐ์ํ์ ๋ ์์์น ๋ชปํ ๋์ ์ธ๊ธ์ ๋นํฉํ๋ ๊ฒฝ์ฐ๊ฐ ๋ง์์. ํ์ง๋ง ๊ฑฑ์ ํ์ง ๋ง์ธ์. ํฉ๋ฒ์ ์ธ ์ ์ธ ์ ๋ต์ ํ์ฉํ๋ฉด ์ฌ๋ฌ๋ถ์ ์ธ๊ธ ๋ถ๋ด์ ์๋น ๋ถ๋ถ ์ค์ผ ์ ์๋ ๋ฐฉ๋ฒ๋ค์ด ์์ด์. ์ค๋ ์ด ๊ธ์์๋ ์ํธํํ ์๋ณธ ์ด๋์ธ๋ฅผ 50% ์ด์ ์ ๊ฐํ ์ ์๋ 3๊ฐ์ง ํต์ฌ ์ ๋ต๊ณผ ๋๋ถ์ด, ์ ๋ฌธ๊ฐ์ ์กฐ์ธ์ด ์ ์ค์ํ์ง ๊น์ด ์๊ฒ ๋ค๋ค๋ณผ ๊ฑฐ์์. ๊ณผ๊ฑฐ ๋นํธ์ฝ์ธ์ด๋ ์ด๋๋ฆฌ์ ํฌ์๋ก ํฐ ์์ต์ ๊ฑฐ๋๊ฑฐ๋, ์ง๊ธ๋ ํ๋ฐํ๊ฒ ์ํธํํ ๊ฑฐ๋๋ฅผ ํ๋ ๋ถ๋ค์ด๋ผ๋ฉด ์ด ๊ธ์ด ๋งค์ฐ ์ ์ฉํ ๊ฑฐ์์. ๋จ์ํ ์ธ๊ธ์ ๋ฉ๋ถํ๋ ๊ฒ์ ๋์ด, ํ๋ช ํ๊ฒ ์์ฐ์ ๊ด๋ฆฌํ๊ณ ๋ฒ์ด ํ์ฉํ๋ ๋ฒ์ ๋ด์์ ์ต๋ํ์ ํํ์ ๋๋ฆฌ๋ ์งํ๋ฅผ ํจ๊ป ์ฐพ์๋ด์. ์ฌ๋ฌ๋ถ์ ์์คํ ์ํธํํ ์์ฐ์ ์งํค๋ ๋ฐ ํ์ํ ์ค์ง์ ์ธ ์ ๋ณด๋ค์ ์ง๊ธ๋ถํฐ ํ๋์ฉ ์๋ ค๋๋ฆด๊ฒ์.
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