[해바라기 7월호] 해기사를 위한 알기 쉬운 금융 상식 - 해기사를 위한 증권사 통장 알아보기

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[해바라기 7월호] 해기사를 위한 알기 쉬운 금융 상식 - 해기사를 위한 증권사 통장 알아보기

태그	일반
출처	해기사협회
분류	해바라기
등록일	2026-08-24

해기사를 위한 증권사 통장 알아보기 조 은 정 | 부산국제금융진흥원 해양금융실 해양금융센터 매니저
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: normal; font-family: " helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">  뜨거운 햇살이 짙어지는 7월입니다. 여름의 열기만큼이나 최근 주식시장을 향한 관심도 높아지는 중입니다. 그동안 증권사 계좌를 이용하지 않던 분들도 주식이나 ETF 투자, 단기자금 운용, 절세 계좌 등에 관심을 가지며 새롭게 증권사 통장을 개설하는 일이 늘고 있습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 하지만 막상 계좌를 만들려고 하면 CMA, 종합매매계좌, ISA, 연금저축계좌처럼 여러 이름이 등장해 무엇이 어떻게 다른지 헷갈리기 쉽습니다. 이번 호에서는 증권사 통장의 종류와 각 특징을 살펴보고, 내 목적에 맞는 계좌를 고를 때 어떤 점을 확인해야 하는지 알아보겠습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">증권사 통장은 은행 통장과 뭐가 다를까 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 먼저 증권사 통장은 은행 통장과 기본 성격이 다릅니다. 은행 통장은 일반적으로 돈을 맡기고 약정된 이자를 받는 예금성 계좌에 가깝습니다. 반면 증권사 통장은 주식, 채권, 펀드, ETP, RP, MMF 등 다양한 금융투자상품을 거래하거나 운용하 기 위한 계좌입니다. 은행 통장이 돈을 보관하는 계좌의 성격이 강하다면, 증권사 통장은 돈을 투자하거나 운용하는 계좌의 성격이 강하다고 볼 수 있습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 물론 증권사 계좌에 있는 돈이 모두 같은 방식으로 관리되는 것은 아닙니다. 주식이나 ETF를 사기 전 현금으로 남아 있는 금액, 즉 투자자예탁금은 증권사의 고유재산과 구분해 별도로 관리됩니다. 투자자예탁금은 증권사의 돈과 섞이지 않도록 별도 예치되는 구조여서 단순히 증권사 계좌에 돈을 넣어두었다고 투자위험에 노출되는 것은 아닙니다. 다만 CMA, RP, MMF, 발행어음, 펀드, ELS 등 금융투자상품은 일반적으로 예금 자 보호 대상이 아닙니다. 따라서 증권사 계좌를 이해할 때는 '고객예탁금'과 투자상품'을 구분하는 것이 중요합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">주식계좌, CMA, ISA는 각각 무엇인가
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 증권사 계좌 중 가장 기본이 되는 것은 주식계좌입니다. 증권사에서는 이를 종합매매계좌, 위탁계좌, 종합위탁계좌 등으로 부르기도 합니다. 이 계좌를 통해 국내 주식, 해외 주식, ETF, 채권, 펀드 등을 사고팔 수 있습니다. 일반적으로 사람들이 "주식계좌를 만들었다"라고 할 때 말하는 계좌가 여기에 해당합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 주식이나 ETF 투자를 시작하고 싶거나, 채권•펀드 등 금융투자상품을 직접 매매하고 싶다면 가장 먼저 필요한 계좌가 바로 종합매매계좌입니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 다음으로 많이 접하는 것이 CMA입니다. CMA는 Cash Management Account의 약자로, 증권사가 고객의 돈을 RP, MMF, 발행어음 등 단기금융상품으로 운용하고 그 수익을 고객에게 돌려주는 금융상품입니다. 입출금이 비교적 자유로워 은행 보통예금이나 파킹통장처럼 활용하는 경우가 많습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> ISA도 함께 알아두면 좋은 계좌입니다. ISA는 Individual Savings Account의 약자로, 우리말로는 개인 종합자산관리계좌라고 합니다. 하나의 계좌 안에 예금, 펀드, EIF, 주식, 채권 등 다양한 금융상품을 담아 운용할 수 있습니다. 일정 요건을 충족하면 세제 혜택도 받을 수 있어 절세형 종합 투자계좌'로 이해하면 좋습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">CMA는 왜 파킹통장처럼 쓰일까
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> CMA가 많은 사람에게 파킹통장처럼 쓰이는 이유는 입출금이 비교적 자유롭고, 하루만 맡겨도 수익이 붙는 구조이기 때문입니다. 주식을 사기 전 잠시 대기하는 돈, 생활비 중 일부, 비상금 등을 넣어두는 용도 로 활용할 수 있습니다. 특히 승선 일정이나 근무 형태상 매일 금융상품을 직접 관리하기 어려운 해기사라면, 단기자금을 잠시 운용할 수 있는 계좌로 CMA를 검토할 수 있습니다. 다만 CMA는 은행의 파킹통장과 완전히 같은 상품은 아닙니다. 은행 파킹통장은 보통 예금성 상품입니다. 반면, CMA는 RP, MMF, MMW, 발행어음 등 단기금융상품으로 운용됩니다. 따라서 CMA를 선택할 때는 단순히 금리만 볼 것이 아니라, 어떤 방식으로 운용되는 상품인지 함께 확인해야 합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">CMA 유형: RP형, MMF형, MMW형, 발행어음형
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> CMA는 운용 방식에 따라 여러 유형으로 나뉩니다. RP형 CMA는 RP에 투자하는 방식입니다. RP는 Re-purchase Agreement의 줄임말로, 환매조건부채권 또는 환매조건부매매라고 합니다. 풀어 말하면, 증권사가 채권을 팔면서 "나중에 다시 사겠다"고 약속하는 거래입니다. 증권사가 고객에게 채권을 맡기고 돈을 받습니다. 그리고 일정 기간이 지나면 증권사가 그 채권을 다시 사면서 약속한 수익을 붙여줍니다. 이렇듯 RP형 CMA는 보통 구조가 비교적 단순하고, 수익률이 미리 제시되는 경우가 많아 초보자도 이해하기 쉬운 편입니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> MMF형 CMA는 단기국공채, 기업어음, 양도성예금증서 등 단기금융상품에 투자하는 MMF로 운용됩니 다. MMF는 Money Market Fund의 줄임말로, 우리말로도 보통 머sl마켓펀드라고 합니다. 쉽게 말해 고객의 돈을 모아서 만기가 짧고 비교적 안전성 높은 단기금융상품에 투자하는 펀드입니다. 예를 들면 단기국공채, 기업어음, 양도성예금증서 같은 상품에 운용됩니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> RP형은 수익률이 어느 정도 미리 제시되는 경우가 많지만, MMF형은 펀드처럼 운용 성과에 따라 수익률이 달라질 수 있습니다. 그래서 은행 예금처럼 이자가 확정된 상품은 아니며 시장 상황에 따라 수익률이 변하기도 합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> MMW형 CMA는 Money Market Wrap의 줄임말로, 증권사가 고객과 일임형 랩 계약을 맺고 고객의 자금을 한국증권금융 예수금 등에 운용하는 CMA 유형입니다. 이때, 랩은 Wrap이란 Wrap Account의 줄임말로, 여러 금융상품을 하나의 계좌 안에 묶어 관리하는 서비스입니다. 매일 원금과 수익을 정산해 재투자하는 구조라 일복리 효과를 기대할 수 있습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> MMF형 CMA와 MMW형 CMA가 헷갈리실 수 있는데요. MMF형 CMA는 고객 돈을 펀드에 넣는 방식입니다. 여러 사람의 돈을 모아 하나의 펀드로 만들고, 그 펀드가 앞서 예시로 든 단기국공채, 기업어음, 양도성예금증서 같은 단기금융상품에 투자합니다. 그래서 수익률이 시장 상황에 따라 달라집니다. MMW형 CMA는 고객 돈을 랩, 즉 맞춤형 운용계좌 형태로 굴리는 방식입니다. 보통 한국증권금융 예수금 등 비교적 안정적인 단기 운용처를 활용합니다. 펀드에 가입하는 방식이라기보다는 증권사가 고객 계좌의 돈을 단기 운용해 주는 구조에 가깝습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 마지막으로 발행어음형 CMA는 증권사가 자기신용을 바탕으로 발행한 어음에 투자하는 구조입니다. 수익률이 비교적 명확하게 제시될 수 있지만, 발행 증권사의 신용위험도 함께 살펴봐야 합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 이처럼 CMA는 편리하고 파킹통장처럼 활용하기 좋지만, 일반적으로 예금자 보호 대상이 아닙니다. 즉 CMA는 입출금이 편한 투자형 계좌이지, 은행 예금과 같은 의미의 원금 보장 통장은 아니라는 점을 반드시 이해해야 합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">예금자 보호가 되는 통장과 안 되는 통장
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 증권사 계좌를 만들 때 특히 헷갈리는 부분이 예금자 보호입니다. 예금자 보호 여부는 계좌 이름만 보고 판단할 수 없습니다. 중요한 것은 그 계좌 안에 들어간 금융상품의 내용입니다. 은행의 보통예금, 정기예금, 정기적금 등은 예금자 보호 대상이 될 수 있습니다. 반면 주식, EIF, 펀드, MMF, RP, CMA, 발행어음 등은 일반적으로 예금자 보호 대상이 아닙니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 다만 증권사에 맡긴 투자자예탁금에는 별도의 보호장치가 있습니다. 투자자예탁금은 증권사의 고유재산과 구분해 별도로 예치되며, 투자자의 재산을 보호하기 위한 장치가 마련되어 있습니다. 따라서 증권사 계좌를 무조건 위험하다고 볼 필요는 없습니다. 다만 고객예탁금과 CMA•RP•발행어음 같은 투자상품은 성격이 다르므로 구분해서 이해하는 것이 중요합니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">증권사 계좌 만들 때 확인할 5가지
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 이제 증권사 계좌를 만들 때 확인해야 할 다섯 가지를 알려드리겠습니다. 첫째, 계좌를 만드는 목적입니다. 주식이나 ETF를 사고 싶다면 종합매매계좌가 필요합니다. 단기자금을 잠시 운용하고 싶다면 CMA가 적합합니다. 절세를 고려한다면 ISA나 연금저축계좌도 함께 검토할 수 있습니다. 둘째, 예금자 보호 여부입니다. 특히 CMA, RP, MMF, 발행어음은 이름이 통장처럼 보여도 예금자 보호 대상이 아닐 수 있습니다. 셋째, 수익률 적용 방식입니다. 약정수익률인지, 실적배당형인지, 시장금리에 따라 변동되는지를 확인 해야 합니다. 넷째, 출금과 이체의 편의성입니다. 증권사별로 이체 가능 시간, 자동이체 가능 여부, 체크카 드 연결 여부, ATM 수수료 조건이 다를 수 있습니다. 특히 해외 체류나 장기간 승선이 잦다면 모바일 앱 이용 편의성과 비대면 업무 처리 가능 여부도 함께 살펴보는 것이 좋습니다. 다섯째, 거래 가능한 상품과 수수료입니다. 국내 주식, 해외 주식, 채권, ETF, 공모주, ISA, 연금계좌 등 자신이 이용하려는 상품을 해당 증권사에서 편리하게 거래할 수 있는지 확인해야 합니다. 주식 거래 수수료, 해외주식 환전수수료, 이체 수수료 등도 함께 비교해 보면 좋습니다.
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">나에게 맞는 증권사 통장 고르는 법
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-variant-emoji:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" min-height:="" 15px;"=""> 
<p style="font-style: normal; font-variant-caps: normal; font-width: normal; font-size: 13px; line-height: 1.5;" helvetica="" neue";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"=""> 결국 나에게 맞는 증권사 통장은 목적에 따라 달라집니다. 주식과 ETF 투자를 시작하고 싶다면 종합매매계좌가 기본입니다. 주식 매수 전 대기자금이나 생활비 일부를 잠시 운용하고 싶다면 CMA를 활용할 수 있습니다. 절세 혜택을 받으며 중장기 투자를 하고 싶다면 ISA를 고려해 볼 만합니다. 노후 준비와 세액공제가 목적이라면 연금저축계좌나 IRP가 더 적합할 것입니다. 반대로 원금 안정성이 가장 중요하다면 증권사 투자상품보다 은행 예금이나 예금자 보호 대상 상품을 우선 검토하는 게 좋습니다.
 <span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 증권사<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 통장은<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 하나의<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 상품이<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 아니라<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 목적에<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 따라<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 선택하는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 금융계좌입니다<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">. 주식계좌<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, CMA, ISA는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 모두<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 증권사에서<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 만들<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 수<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 있지만<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 각각의<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 역할은<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 다릅니다<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">. 따라서<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 계좌를<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 만들기<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 전에는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 수익률만<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 볼<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 것이<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 아니라<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, 이<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 계좌를<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 왜<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 만드는지<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, 예금자<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 보호가<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 되는지<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, 어떤<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 상품으로<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 운용되는지<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, 출금과<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 이체가<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 편리한지<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, 수수료는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 어떤지를<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 함께<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 확인해야<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 합니다<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">. 증권사<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 통장을<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 제대로<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 이해하면<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 투자뿐<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 아니라<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 단기자금<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 관리와<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 절세<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 전략까지<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 더<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 체계적으로<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 세울<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 수<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 있습니다<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">. 중요한<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 것은<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 높은<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 수익률만<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 따라가는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 것이<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 아니라<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">, 내<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 자금의<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 목적과<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 위험<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 수준에<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 맞는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 계좌를<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 선택하는<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;"> 것입니다<span style="font-size: 10pt; font-width: normal; line-height: normal; font-family: 돋움체, dotumche, applegothic; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal;">.  *<span style="font-size: 13px; font-width: normal; line-height: normal; font-family: " apple="" sd="" gothic="" neo";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">원본 <span style="font-size: 13px; font-width: normal; line-height: normal; font-family: " apple="" sd="" gothic="" neo";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">출처: <span style="font-size: 13px; font-width: normal; line-height: normal; font-family: " apple="" sd="" gothic="" neo";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">월간 <span style="font-size: 13px; font-width: normal; line-height: normal; font-family: " apple="" sd="" gothic="" neo";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">「海바라기」 7<span style="font-size: 13px; font-width: normal; line-height: normal; font-family: " apple="" sd="" gothic="" neo";="" font-size-adjust:="" none;="" font-kerning:="" auto;="" font-variant-alternates:="" normal;="" font-variant-ligatures:="" font-variant-numeric:="" font-variant-east-asian:="" font-variant-position:="" font-feature-settings:="" font-optical-sizing:="" font-variation-settings:="" normal;"="">월호 <a href="https://www.mariners.or.kr/business/business03_view.php?bd_code=magazine&bd_idx=7598" style="font-family: " helvetica="" neue";="" font-size:="" 13px;"="">https://www.mariners.or.kr/business/business03_view.php?bd_code=magazine&bd_idx=7598</a>

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