신혼부부 10억만들기 프로젝트

<TABLE style="WIDTH: 481pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=641> <COLGROUP> <COL style="WIDTH: 148pt; mso-width-source: userset; mso-width-alt: 5603" width=197> <COL style="WIDTH: 60pt" width=80> <COL style="WIDTH: 33pt; mso-width-source: userset; mso-width-alt: 1251" width=44> <COL style="WIDTH: 32pt; mso-width-source: userset; mso-width-alt: 1223" width=43> <COL style="WIDTH: 148pt; mso-width-source: userset; mso-width-alt: 5603" width=197> <COL style="WIDTH: 60pt" width=80></COLGROUP> <TBODY> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; WIDTH: 208pt; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl67 height=28 width=277 colSpan=2>변경 전 자산 현황</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; WIDTH: 33pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69 width=44>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; WIDTH: 32pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" width=43></TD> <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; WIDTH: 208pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl71 width=277 colSpan=2>변경 후 자산 현황</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl65 height=28></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl65 height=28>현금흐름</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl65>현금흐름</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>남편급여</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>300만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">남편급여</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>300만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>부인급여</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>200만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">부인급여</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>200만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>생활비</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>150만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">생활비</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>150만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>적금</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>200만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">적금</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>80만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>펀드</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>30만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">펀드</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>100만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>청약저축</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>10만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">변액유니버셜저축(비과세)</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>50만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>연금</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>20만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">변액연금(비과세)</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>50만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>보험</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>25만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">청약저축</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>10만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>저축예금</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>1000만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">보험</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>25만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">하이일드채권펀드(거치)</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>500만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">ETF(자동매매)(거치)</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>500만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl68 height=28>　</TD> <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl70>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl68>CMA(비상예비자금)</TD> <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl70>35만</TD></TR> <TR style="HEIGHT: 21pt; mso-height-source: userset" height=28> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; HEIGHT: 21pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" height=28>잉여자금</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66>65만</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: windowtext 1pt solid" class=xl69>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0"></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0">잉여자금</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl66></TD></TR></TBODY></TABLE>   결혼 1년차 (30세,28세) 부부이십니다.   맞벌이 중이셨고 출산후에도 맞벌이를 계속 하실 계획이셨습니다.   자녀 계획은 1명정도 생각 하고 계시고 주택마련은 무리하게 하고 싶지 않다고 하셨습니다.   두분의 최종 목표는 10억을 만들어 경기도에 마당있는 집을 장만하시고 제과점이나 커피숖을 운영하는 것이 었습니다.   두분이 같이 운영 할 수도 있고 남편은 직장생활을 계속 하실 수도 있다고 하셨죠...       첫번째 목표 - 자녀 교육자금 마련하기 ( 1억 5천만원)   두번째 목표 - 주택 확장자금 마련하기 전세금 인상분 ( 2천만원 ~ 5천만원)   세번째 목표 - 종자돈 10억 만들기 ( 45세)   네번째 목표 - 노후자금 5억 만들기   <IMG style="CURSOR: pointer" id=http://postfiles5.naver.net/20120504_260/ccd_choi_13361273005039SPjA_JPEG/%B1%B3%C0%B0%C0%DA%B1%DD_%BC%B3%B0%E8_%B0%A1%C0%CC%B5%E52.jpg?type=w3 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fpostfiles5.naver.net%2F20120504_260%2Fccd_choi_13361273005039SPjA_JPEG%2F%25B1%25B3%25C0%25B0%25C0%25DA%25B1%25DD_%25BC%25B3%25B0%25E8_%25B0%25A1%25C0%25CC%25B5%25E52.jpg%3Ftype%3Dw3" width=540 height=720>   위 그림처럼 2009년도 통계에 대학 졸업까지 9766만원 이 소요 된다고 하네요.... 교육비 상승률을 물가 상승률(3%) 정도만 감안 하더라도 최소 1억 5천만원 정도는 소요가 될듯하네요..^^   15년에 10억 만들기   <img src="https://t1.daumcdn.net/cfile/cafe/167B99474FF62D901A" class="txc-image" style="FLOAT: none; CLEAR: none" actualwidth="802" border="0" hspace="1" vspace="1" width="802" id="A_167B99474FF62D901A9ECC"/>       <img src="https://t1.daumcdn.net/cfile/cafe/167658474FF62D921F" class="txc-image" style="FLOAT: none; CLEAR: none" actualwidth="340" border="0" hspace="1" vspace="1" width="340" id="A_167658474FF62D921F48AD"/>        수익률에 따라서 적립금 차이가 꽤 나죠?^^   우리가 수익률높이는데 관심을 가져야 하는 이유입니다.   물론 확정수익률은 아니지만 노력한다면 불가능한 수치도 아니죠?^^   여기에는 급여 인상분, 종자돈 굴리기는 반영 되지 않았습니다.   종자돈 굴리기를 한번 볼까요?^^     <img src="https://t1.daumcdn.net/cfile/cafe/1564E0494FF62E7918" class="txc-image" style="FLOAT: none; CLEAR: none" actualwidth="550" border="0" hspace="1" vspace="1" width="550" id="A_1564E0494FF62E7918355E"/>     잘 안보이시죠?   2012년 4월24일 코스피지수 1,956포인트에 1050만원 예치를 하였습니다.   2012년 6월19일 코스피지수 1,886포인트에 수익금을 보면 418,842원 수익률 3.98% (이미 두달만에 정기적금 수익발생)   입니다... 최근 제가 추천하는 상품인데요... 거치자금을 적립식처럼 매일매일 계산하여 자동으로 투자하는 상품입니다.   주가가 오르면 1배 주가가 내리면 2배씩 투자가 자동으로 되고 원하는 목표 수익률을(위그림은 4%설정) 설정하면 달성시 자동   으로 CMA로 이전되는 상품입니다... 거치식 투자와 적립식 투자의 장점을 결합한 상품입니다.   적립식으로 종자돈을 만들어 가고 종자돈을 안정적으로 굴리고  ... 이제 감이 슬슬 오시나요?^^   마지막으로 세금입니다.   <img src="https://t1.daumcdn.net/cfile/cafe/167658474FF62D921F" class="txc-image" style="FLOAT: none; CLEAR: none" actualwidth="340" border="0" hspace="1" vspace="1" width="340" id="A_167658474FF62D921F48AD"/>   10억의 5%로 정도 수익만 나온다 하더라도 5천만원입니다.   4천만원초과 부터는 이자소득,배당소득,부동산임대소득,사업소득,근로소득,연금소득,기타소득 이 합산됩니다.   그렇다면 못해도 24%에서 38%의 세율로 세금을 내야 한다는 것입니다... 그것도 평생~~~~ 아깝죠?^^   하지만 방법은 있습니다. 자 보시죠?   <img src="https://t1.daumcdn.net/cfile/cafe/110205474FF62D9216" class="txc-image" style="FLOAT: none; CLEAR: none" actualwidth="667" border="0" hspace="1" vspace="1" width="667" id="A_110205474FF62D92166681"/>   이왕이면 세금 안내는 것이 좋겠죠?   OECD 가입국가중 제한없이 비과세혜택을 주는 나라는 우리나라밖에 없다고 하는데... 혹시 다른나라에 있으면 쪽지 주세요...ㅋ   이미 많은 자산가분들이 이런 방법들을 이용하여 합법적으로 세금회피를 하고 계시죠...ㅎㅎㅎ   모르면 그냥 지나치지만 이글을 보신 분들은 이제부터라도 신경을 쓰셔야 겠죠?^^   다시 한번 정리하자면   뚜렷한 목표를 세우고 기간을 설정하고   적립식투자와 거치식투자를 적절히 이용하여   세금으로 부터 방어를 하는 시스템을  만들어야 겠습니다....   사실 중요한 부분이 남아 있긴 한데 ... 저를 만나신 분들은 다 아시죠?^^   시가:1,832.08 종가:1,854.01 (+1.20%)   오늘 오전까지만 해도 주가가 파랗다가 EU 정상들의 합의가 나오며 갑자기 빨갛게  끝나버렸네요..   막판에 색깔이 살짝 바뀌다니 역시 시장을 예측하는건 부질없는 일입니다...   가격의 흐름을 거스르지 말고 원칙대로 반응할 뿐입니다...   빨간불로(양봉) 장을 마감하였으니 우리는 약속대로 아시죠? ^^   10억 만들기 도전해 보시죠?   <img src="https://t1.daumcdn.net/cfile/cafe/19025D474FF62D9214" class="txc-image" style="FLOAT: none; CLEAR: none" actualwidth="180" border="0" hspace="1" vspace="1" width="180" id="A_19025D474FF62D92142B27"/>