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(KODEX 미국S&P500 ETF) ","content":"<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">자기 전에 커뮤니티 들어가는 게 요즘 루틴이다.</h3>\r\n<h3 style=\"text-align: center;\">오늘은 누가 뭘로 얼마 벌었나 구경하는 재미 \uD83C\uDF7F</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">반도체, 바이오, AI&hellip; 수익 인증글 사이사이에</h3>\r\n<h3 style=\"text-align: center;\">유독 자주 보이는 단어가 하나 있다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">&ldquo;S&amp;P500&rdquo;</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">댓글 끝도 다 비슷하다.</h3>\r\n<h3 style=\"text-align: center;\">\"3년째 매달 사고 그냥 둡니다\"</h3>\r\n<h3 style=\"text-align: center;\">\"앱 지웠어요. 그냥 둡니다\"</h3>\r\n<h3 style=\"text-align: center;\">\"이게 제일 마음 편함. 그냥 둬요\"</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">&hellip;그냥 둔다고? \uD83D\uDE11</h3>\r\n<h3 style=\"text-align: center;\">솔직히 처음엔 '이게 뭐지?' 싶었다.</h3>\r\n<h3 style=\"text-align: center;\">나는 오늘 뭐가 뜨나 찾는 게 재미인 사람인데.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_01.png\" src=\"/upload/editor/2026/10/27//20261027082726985.png\" alt=\"#blog_01.png\" width=\"1920\" height=\"1080\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">그리고 S&amp;P500 글들에는 꼭 따라붙는 단어가 또 있었다.</h3>\r\n<h3 style=\"text-align: center;\">\"어디에 담으세요?\" 하면 빠지지 않는 답.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">연금, ISA.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">오래 둘 거라면 일반 계좌보다 그런 계좌에 담는 게 세금 면에서 유리하다는 얘기 같았다.</h3>\r\n<h3 style=\"text-align: center;\">정확한 구조는 아직 공부 중이다. 비과세? 분리과세? 단어부터 어렵다 \uD83D\uDE35</h3>\r\n<h3 style=\"text-align: center;\">어쨌든 그런 혜택 덕분에 수익률을 조금 더 챙길 수 있다는 건 알겠다.</h3>\r\n<h3 style=\"text-align: center;\">그리고 그런 계좌에 많이들 담는 것 중 대표적인 게 S&amp;P500이라고.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_02.png\" src=\"/upload/editor/2026/10/27//20261027082801388.png\" alt=\"#blog_02.png\" width=\"1920\" height=\"1080\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">생각해 보니 나는 '뭘 살까'만 고민했지</h3>\r\n<h3 style=\"text-align: center;\">'어디에 담을까'는 한 번도 생각해 본 적이 없었다.</h3>\r\n<h3 style=\"text-align: center;\">월급 통장 하나, 주식 계좌 하나. 그게 전부.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">게시글과 댓글을 다시 읽다 보니</h3>\r\n<h3 style=\"text-align: center;\">처음엔 의아했던 '그냥 둡니다'가 이번엔 다르게 읽혔다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">이 사람들은 몰라서 그냥 두는 게 아니었다.</h3>\r\n<h3 style=\"text-align: center;\">남의 인증글에 흔들리지 않기로 먼저 정해둔 사람들이었다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">다들 고수라서 그냥 두는 줄 알았는데,</h3>\r\n<h3 style=\"text-align: center;\">그냥 둬서 고수가 된 건가?</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_03.png\" src=\"/upload/editor/2026/10/27//20261027082834011.png\" alt=\"#blog_03.png\" width=\"1920\" height=\"1080\"></p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">그래서 찾아봤다. KODEX 미국S&amp;P500 ETF</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">내가 매일 고르던 건 많아야 한두 종목인데</h3>\r\n<h3 style=\"text-align: center;\">이건 미국을 대표하는 기업 500개가 한 바구니에 담겨 있다.</h3>\r\n<h3 style=\"text-align: center;\">쭉 내려보니 내가 아는 미국 회사 이름은 거의 다 여기 있었다 \uD83D\uDE33</h3>\r\n<h3 style=\"text-align: center;\">따로따로 쫓아다니던 이름들이 원래 한곳에 모여 있었던 거다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">어디선가 읽었는데, 이 지수가 생긴 지 70년 가까이 됐다고 한다.</h3>\r\n<h3 style=\"text-align: center;\">그사이 1등 회사는 몇 번이나 바뀌었는데 지수는 계속 그 자리에 있었다는 거.</h3>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">워런 버핏 할아버지가 아내에게 남길 돈의 90%를 S&amp;P500에 투자하라고 한 이유를 이제 좀 알 것 같다. <br><br></h3>\r\n<p> </p>\r\n<p><img title=\"#blog_04.png\" src=\"/upload/editor/2026/10/27//20261027082901634.png\" alt=\"#blog_04.png\" width=\"1920\" height=\"1080\"></p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">나머지는 커뮤니티 댓글보다 공식 설명이 정확할 테니 링크로 걸어둔다.</h3>\r\n<h3 style=\"text-align: center;\">이번엔 남의 인증글 말고 상품 설명부터 읽기로 ㅎㅎ</h3>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">자기 전, 그 글을 다시 열고 맨 아래에 댓글을 하나 달았다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">\"매달 KODEX 미국S&amp;P500 ETF 조금씩 사려고요, 저도 오늘부터 그냥 둡니다!\"</h3>\r\n<p>​</p>\r\n<p style=\"text-align: center;\"><span style=\"color: rgb(149, 165, 166);\">※ '파이어언니의 일기'는 상품 이해를 돕기 위해 가상의 인물이 등장하는 에세이 형식의 콘텐츠입니다.</span></p>\r\n<p>​</p>\r\n<p style=\"text-align: justify;\"><span style=\"color: rgb(15, 15, 241);\">상품정보</span></p>\r\n<p style=\"text-align: justify;\">KODEX 미국S&amp;P500 ETF | 합성총보수 연 0.0738% (운용 : 0.0001%, 판매 : 0.001%, 신탁 : 0.005%, 사무 : 0.0001%, 기타비용 : 0.0676%) | 위험등급 2등급 (높은 위험) | 직전회계연도 기준 증권거래비용 0.0345% 발생</p>\r\n<p style=\"text-align: justify;\"> </p>\r\n<p style=\"text-align: justify;\"><a href=\"/etf/product/view.do?id=2ETFE4\"><img title=\"banner_etf.png\" src=\"/upload/editor/2026/10/27//20261027083055188.png\" alt=\"banner_etf.png\" width=\"1200\" height=\"175\"></a></p>\r\n<p style=\"text-align: justify;\"><img title=\"notice.png\" src=\"/upload/editor/2026/10/27//20261027083105700.png\" alt=\"notice.png\" width=\"966\" height=\"924\"></p>\r\n<p><img title=\"thm_blog.png\" src=\"/upload/editor/2026/10/27//20261027083127536.png\" alt=\"thm_blog.png\" width=\"966\" height=\"966\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>","caution":null,"sort":0,"useYn":"Y","highlightYn":"Y","searchNum":123,"fundList":null,"uploadFile":null,"thumb":{"seq":"80573","fileNo":"0","filePath":"/upload/kodex/newsroom/","fileNm":"20261027083224684.png","fileOriNm":"thm_word.png","arrNo":null,"fileExt":"png","dispYn":null,"fileName":"20261027083224684.png","webPath":"/upload/kodex/newsroom/","no":"80573","fileNmOri":"thm_word.png"},"uploadGuide":null,"attaches":[],"guide":null,"audioFile":null,"audio":null,"fileCount":0,"typeNm":"ETF 트렌드","pressNm":null,"cnYn":true,"fstDateYmdSchema":"2026.10.27","utDateYmdSchema":"2026.10.27","openDateYmd":"2026.10.27","openDateHh":"00","ltUdDtm":null,"fstRgDtm":null,"use":true,"openDtm":null,"lawNo1":"","lawNo2":"","law":false,"regDttmPretty":null,"regDttmYmd":null,"htmlContent":"<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">자기 전에 커뮤니티 들어가는 게 요즘 루틴이다.</h3>\r\n<h3 style=\"text-align: center;\">오늘은 누가 뭘로 얼마 벌었나 구경하는 재미 \uD83C\uDF7F</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">반도체, 바이오, AI&hellip; 수익 인증글 사이사이에</h3>\r\n<h3 style=\"text-align: center;\">유독 자주 보이는 단어가 하나 있다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">&ldquo;S&amp;P500&rdquo;</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">댓글 끝도 다 비슷하다.</h3>\r\n<h3 style=\"text-align: center;\">\"3년째 매달 사고 그냥 둡니다\"</h3>\r\n<h3 style=\"text-align: center;\">\"앱 지웠어요. 그냥 둡니다\"</h3>\r\n<h3 style=\"text-align: center;\">\"이게 제일 마음 편함. 그냥 둬요\"</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">&hellip;그냥 둔다고? \uD83D\uDE11</h3>\r\n<h3 style=\"text-align: center;\">솔직히 처음엔 '이게 뭐지?' 싶었다.</h3>\r\n<h3 style=\"text-align: center;\">나는 오늘 뭐가 뜨나 찾는 게 재미인 사람인데.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_01.png\" src=\"/upload/editor/2026/10/27//20261027082726985.png\" alt=\"#blog_01.png\" width=\"1920\" height=\"1080\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">그리고 S&amp;P500 글들에는 꼭 따라붙는 단어가 또 있었다.</h3>\r\n<h3 style=\"text-align: center;\">\"어디에 담으세요?\" 하면 빠지지 않는 답.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">연금, ISA.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">오래 둘 거라면 일반 계좌보다 그런 계좌에 담는 게 세금 면에서 유리하다는 얘기 같았다.</h3>\r\n<h3 style=\"text-align: center;\">정확한 구조는 아직 공부 중이다. 비과세? 분리과세? 단어부터 어렵다 \uD83D\uDE35</h3>\r\n<h3 style=\"text-align: center;\">어쨌든 그런 혜택 덕분에 수익률을 조금 더 챙길 수 있다는 건 알겠다.</h3>\r\n<h3 style=\"text-align: center;\">그리고 그런 계좌에 많이들 담는 것 중 대표적인 게 S&amp;P500이라고.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_02.png\" src=\"/upload/editor/2026/10/27//20261027082801388.png\" alt=\"#blog_02.png\" width=\"1920\" height=\"1080\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">생각해 보니 나는 '뭘 살까'만 고민했지</h3>\r\n<h3 style=\"text-align: center;\">'어디에 담을까'는 한 번도 생각해 본 적이 없었다.</h3>\r\n<h3 style=\"text-align: center;\">월급 통장 하나, 주식 계좌 하나. 그게 전부.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">게시글과 댓글을 다시 읽다 보니</h3>\r\n<h3 style=\"text-align: center;\">처음엔 의아했던 '그냥 둡니다'가 이번엔 다르게 읽혔다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">이 사람들은 몰라서 그냥 두는 게 아니었다.</h3>\r\n<h3 style=\"text-align: center;\">남의 인증글에 흔들리지 않기로 먼저 정해둔 사람들이었다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">다들 고수라서 그냥 두는 줄 알았는데,</h3>\r\n<h3 style=\"text-align: center;\">그냥 둬서 고수가 된 건가?</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_03.png\" src=\"/upload/editor/2026/10/27//20261027082834011.png\" alt=\"#blog_03.png\" width=\"1920\" height=\"1080\"></p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">그래서 찾아봤다. KODEX 미국S&amp;P500 ETF</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">내가 매일 고르던 건 많아야 한두 종목인데</h3>\r\n<h3 style=\"text-align: center;\">이건 미국을 대표하는 기업 500개가 한 바구니에 담겨 있다.</h3>\r\n<h3 style=\"text-align: center;\">쭉 내려보니 내가 아는 미국 회사 이름은 거의 다 여기 있었다 \uD83D\uDE33</h3>\r\n<h3 style=\"text-align: center;\">따로따로 쫓아다니던 이름들이 원래 한곳에 모여 있었던 거다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">어디선가 읽었는데, 이 지수가 생긴 지 70년 가까이 됐다고 한다.</h3>\r\n<h3 style=\"text-align: center;\">그사이 1등 회사는 몇 번이나 바뀌었는데 지수는 계속 그 자리에 있었다는 거.</h3>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">워런 버핏 할아버지가 아내에게 남길 돈의 90%를 S&amp;P500에 투자하라고 한 이유를 이제 좀 알 것 같다. <br><br></h3>\r\n<p> </p>\r\n<p><img title=\"#blog_04.png\" src=\"/upload/editor/2026/10/27//20261027082901634.png\" alt=\"#blog_04.png\" width=\"1920\" height=\"1080\"></p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">나머지는 커뮤니티 댓글보다 공식 설명이 정확할 테니 링크로 걸어둔다.</h3>\r\n<h3 style=\"text-align: center;\">이번엔 남의 인증글 말고 상품 설명부터 읽기로 ㅎㅎ</h3>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">자기 전, 그 글을 다시 열고 맨 아래에 댓글을 하나 달았다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">\"매달 KODEX 미국S&amp;P500 ETF 조금씩 사려고요, 저도 오늘부터 그냥 둡니다!\"</h3>\r\n<p>​</p>\r\n<p style=\"text-align: center;\"><span style=\"color: rgb(149, 165, 166);\">※ '파이어언니의 일기'는 상품 이해를 돕기 위해 가상의 인물이 등장하는 에세이 형식의 콘텐츠입니다.</span></p>\r\n<p>​</p>\r\n<p style=\"text-align: justify;\"><span style=\"color: rgb(15, 15, 241);\">상품정보</span></p>\r\n<p style=\"text-align: justify;\">KODEX 미국S&amp;P500 ETF | 합성총보수 연 0.0738% (운용 : 0.0001%, 판매 : 0.001%, 신탁 : 0.005%, 사무 : 0.0001%, 기타비용 : 0.0676%) | 위험등급 2등급 (높은 위험) | 직전회계연도 기준 증권거래비용 0.0345% 발생</p>\r\n<p style=\"text-align: justify;\"> </p>\r\n<p style=\"text-align: justify;\"><a href=\"/etf/product/view.do?id=2ETFE4\"><img title=\"banner_etf.png\" src=\"/upload/editor/2026/10/27//20261027083055188.png\" alt=\"banner_etf.png\" width=\"1200\" height=\"175\"></a></p>\r\n<p style=\"text-align: justify;\"><img title=\"notice.png\" src=\"/upload/editor/2026/10/27//20261027083105700.png\" alt=\"notice.png\" width=\"966\" height=\"924\"></p>\r\n<p><img title=\"thm_blog.png\" src=\"/upload/editor/2026/10/27//20261027083127536.png\" alt=\"thm_blog.png\" width=\"966\" height=\"966\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>","highlight":true,"newsLetter":false,"investmentGuide":false,"thumbPath":"/upload/kodex/newsroom/","thumbNm":"20261027083224684.png","news":false,"blog":false,"newsMap":{"date":"2026.10.27","image":"/upload/kodex/newsroom/20261027083224684.png","conSite":"","pressNm":"","lawYn":"N","title":"[파이어언니의 일기]  그냥 둡니다?! (KODEX 미국S&P500 ETF) ","type":"ETF_TREND","lawSd":"","content":"<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">자기 전에 커뮤니티 들어가는 게 요즘 루틴이다.</h3>\r\n<h3 style=\"text-align: center;\">오늘은 누가 뭘로 얼마 벌었나 구경하는 재미 \uD83C\uDF7F</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">반도체, 바이오, AI&hellip; 수익 인증글 사이사이에</h3>\r\n<h3 style=\"text-align: center;\">유독 자주 보이는 단어가 하나 있다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">&ldquo;S&amp;P500&rdquo;</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">댓글 끝도 다 비슷하다.</h3>\r\n<h3 style=\"text-align: center;\">\"3년째 매달 사고 그냥 둡니다\"</h3>\r\n<h3 style=\"text-align: center;\">\"앱 지웠어요. 그냥 둡니다\"</h3>\r\n<h3 style=\"text-align: center;\">\"이게 제일 마음 편함. 그냥 둬요\"</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">&hellip;그냥 둔다고? \uD83D\uDE11</h3>\r\n<h3 style=\"text-align: center;\">솔직히 처음엔 '이게 뭐지?' 싶었다.</h3>\r\n<h3 style=\"text-align: center;\">나는 오늘 뭐가 뜨나 찾는 게 재미인 사람인데.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_01.png\" src=\"/upload/editor/2026/10/27//20261027082726985.png\" alt=\"#blog_01.png\" width=\"1920\" height=\"1080\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">그리고 S&amp;P500 글들에는 꼭 따라붙는 단어가 또 있었다.</h3>\r\n<h3 style=\"text-align: center;\">\"어디에 담으세요?\" 하면 빠지지 않는 답.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">연금, ISA.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">오래 둘 거라면 일반 계좌보다 그런 계좌에 담는 게 세금 면에서 유리하다는 얘기 같았다.</h3>\r\n<h3 style=\"text-align: center;\">정확한 구조는 아직 공부 중이다. 비과세? 분리과세? 단어부터 어렵다 \uD83D\uDE35</h3>\r\n<h3 style=\"text-align: center;\">어쨌든 그런 혜택 덕분에 수익률을 조금 더 챙길 수 있다는 건 알겠다.</h3>\r\n<h3 style=\"text-align: center;\">그리고 그런 계좌에 많이들 담는 것 중 대표적인 게 S&amp;P500이라고.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_02.png\" src=\"/upload/editor/2026/10/27//20261027082801388.png\" alt=\"#blog_02.png\" width=\"1920\" height=\"1080\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">생각해 보니 나는 '뭘 살까'만 고민했지</h3>\r\n<h3 style=\"text-align: center;\">'어디에 담을까'는 한 번도 생각해 본 적이 없었다.</h3>\r\n<h3 style=\"text-align: center;\">월급 통장 하나, 주식 계좌 하나. 그게 전부.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">게시글과 댓글을 다시 읽다 보니</h3>\r\n<h3 style=\"text-align: center;\">처음엔 의아했던 '그냥 둡니다'가 이번엔 다르게 읽혔다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">이 사람들은 몰라서 그냥 두는 게 아니었다.</h3>\r\n<h3 style=\"text-align: center;\">남의 인증글에 흔들리지 않기로 먼저 정해둔 사람들이었다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">다들 고수라서 그냥 두는 줄 알았는데,</h3>\r\n<h3 style=\"text-align: center;\">그냥 둬서 고수가 된 건가?</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_03.png\" src=\"/upload/editor/2026/10/27//20261027082834011.png\" alt=\"#blog_03.png\" width=\"1920\" height=\"1080\"></p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">그래서 찾아봤다. KODEX 미국S&amp;P500 ETF</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">내가 매일 고르던 건 많아야 한두 종목인데</h3>\r\n<h3 style=\"text-align: center;\">이건 미국을 대표하는 기업 500개가 한 바구니에 담겨 있다.</h3>\r\n<h3 style=\"text-align: center;\">쭉 내려보니 내가 아는 미국 회사 이름은 거의 다 여기 있었다 \uD83D\uDE33</h3>\r\n<h3 style=\"text-align: center;\">따로따로 쫓아다니던 이름들이 원래 한곳에 모여 있었던 거다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">어디선가 읽었는데, 이 지수가 생긴 지 70년 가까이 됐다고 한다.</h3>\r\n<h3 style=\"text-align: center;\">그사이 1등 회사는 몇 번이나 바뀌었는데 지수는 계속 그 자리에 있었다는 거.</h3>\r\n<h3 style=\"text-align: center;\"> </h3>\r\n<h3 style=\"text-align: center;\">워런 버핏 할아버지가 아내에게 남길 돈의 90%를 S&amp;P500에 투자하라고 한 이유를 이제 좀 알 것 같다. <br><br></h3>\r\n<p> </p>\r\n<p><img title=\"#blog_04.png\" src=\"/upload/editor/2026/10/27//20261027082901634.png\" alt=\"#blog_04.png\" width=\"1920\" height=\"1080\"></p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">나머지는 커뮤니티 댓글보다 공식 설명이 정확할 테니 링크로 걸어둔다.</h3>\r\n<h3 style=\"text-align: center;\">이번엔 남의 인증글 말고 상품 설명부터 읽기로 ㅎㅎ</h3>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">자기 전, 그 글을 다시 열고 맨 아래에 댓글을 하나 달았다.</h3>\r\n<h3 style=\"text-align: center;\">​</h3>\r\n<h3 style=\"text-align: center;\">\"매달 KODEX 미국S&amp;P500 ETF 조금씩 사려고요, 저도 오늘부터 그냥 둡니다!\"</h3>\r\n<p>​</p>\r\n<p style=\"text-align: center;\"><span style=\"color: rgb(149, 165, 166);\">※ '파이어언니의 일기'는 상품 이해를 돕기 위해 가상의 인물이 등장하는 에세이 형식의 콘텐츠입니다.</span></p>\r\n<p>​</p>\r\n<p style=\"text-align: justify;\"><span style=\"color: rgb(15, 15, 241);\">상품정보</span></p>\r\n<p style=\"text-align: justify;\">KODEX 미국S&amp;P500 ETF | 합성총보수 연 0.0738% (운용 : 0.0001%, 판매 : 0.001%, 신탁 : 0.005%, 사무 : 0.0001%, 기타비용 : 0.0676%) | 위험등급 2등급 (높은 위험) | 직전회계연도 기준 증권거래비용 0.0345% 발생</p>\r\n<p style=\"text-align: justify;\"> </p>\r\n<p style=\"text-align: justify;\"><a href=\"/etf/product/view.do?id=2ETFE4\"><img title=\"banner_etf.png\" src=\"/upload/editor/2026/10/27//20261027083055188.png\" alt=\"banner_etf.png\" width=\"1200\" height=\"175\"></a></p>\r\n<p style=\"text-align: justify;\"><img title=\"notice.png\" src=\"/upload/editor/2026/10/27//20261027083105700.png\" alt=\"notice.png\" width=\"966\" height=\"924\"></p>\r\n<p><img title=\"thm_blog.png\" src=\"/upload/editor/2026/10/27//20261027083127536.png\" alt=\"thm_blog.png\" width=\"966\" height=\"966\"></p>\r\n<h3 style=\"text-align: center;\"> </h3>","typeNm":"ETF 트렌드","seqn":"80573","lawNo":"-","lawEd":""},"youtube":false,"newsroomMap":{"conSite":null,"fileNm":"20261027083224684.png","typeNm":"ETF 트렌드","regDttm":"2026.10.27","filePath":"/upload/kodex/newsroom/","likeYn":"Y","insightCategory":"NEWSROOM","title":"[파이어언니의 일기]  그냥 둡니다?! (KODEX 미국S&P500 ETF) ","category":"ETF 트렌드","reportInsight":"false","seq":"80573"}},{"seq":"80575","type":"BLOG","catgSeq":"270","pressSeq":null,"conSite":null,"title":"채권 투자도 ETF로! - KODEX 27-12 금융채(AA-이상) 액티브 ETF (10/20 상장)","content":"<p> </p>\r\n<h3>최근 금융시장 변동성이 커지면서 투자자들의 자산 운용 방식에도 관심이 쏠리고 있습니다. 금융투자협회에 따르면 올해 3분기 개인의 장외채권 순매수액은 10조 4028억 원으로, 전 분기보다 28.6% 증가했는데요. ​(출처: 서울신문, 2026.10.15)</h3>\r\n<h3>​</h3>\r\n<h3>채권 투자를 고려하고 있다면 단순히 금리 수준만 살펴보기보다 어떤 채권에 투자하는지, 투자 기간과 기대수익률은 어느 정도인지 함께 확인하는 것이 중요합니다. 특히 우량 금융채에 분산투자하면서 목표 만기를 정해 투자 계획을 세우고 싶다면 채권 ETF도 하나의 선택지가 될 수 있는데요.</h3>\r\n<h3>​</h3>\r\n<h3>지난 10월 20일 신규 상장한 <span style=\"background-color: rgb(53, 241, 229);\"><strong>KODEX 27-12 금융채(AA-이상) 액티브</strong> ETF</span>는 AA- 이상 등급의 금융채에 투자하고, 2027년 12월을 목표 만기로 설정한 상품입니다. 우량 금융채를 통해 국고채 대비 추가 금리를 추구하면서 만기기대수익률을 참고해 투자 계획을 세울 수 있다는 점이 특징인데요. 상품의 세 가지 투자포인트를 함께 살펴볼까요? \uD83D\uDD0E</h3>\r\n<h3><img title=\"#blog_top(word).png\" src=\"/upload/editor/2026/10/27//20261027083702298.png\" alt=\"#blog_top(word).png\" width=\"2560\" height=\"1069\"></h3>\r\n<p> </p>\r\n<p> </p>\r\n<table style=\"border-collapse: collapse; width: 189.135%; height: 248px;\" border=\"1\"><colgroup><col style=\"width: 100%;\"></colgroup>\r\n<tbody>\r\n<tr>\r\n<td style=\"background-color: rgb(236, 240, 241);\">\r\n<h3><span style=\"background-color: rgb(74, 247, 249);\"><strong>\uD83D\uDCCC KODEX 27-12 금융채(AA-이상) 액티브 ETF</strong></span></h3>\r\n<h3> </h3>\r\n<h3>1️⃣ <strong><span style=\"background-color: rgb(74, 247, 249);\">우량 금융채</span></strong>로 국고채보다 한 단계 더 높은 성과 추구</h3>\r\n<h3>2️⃣ 투자 전에 YTM을 확인할 수 있는 채권 ETF</h3>\r\n<h3>3️⃣ 채권 투자의 <strong><span style=\"background-color: rgb(74, 247, 249);\">진입장벽은 낮추고 활용도는 높이고</span></strong></h3>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<h1>투자포인트 1️⃣</h1>\r\n<h1>우량 금융채로 국고채보다 한 단계 더 높은 성과 추구</h1>\r\n<h3>채권마다 기대할 수 있는 수익률이 다른 이유 중 하나는 발행 주체와 신용도에 있습니다. 일반적으로 국가가 발행하는 국고채는 신용위험이 낮은 채권으로 분류됩니다. 반면 금융채는 은행, 금융지주, 카드사 등 금융기관이 발행하는 채권으로, 발행기관의 신용도와 시장 환경에 따라 국고채보다 높은 금리를 제공하는 경우가 있어요.</h3>\r\n<h3>​</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 이러한 금융채 가운데서도 <strong>AA- 이상 우량등급 채권에 투자</strong>하는데요. 은행채와 여신전문금융회사채(이하 여전채) 등을 편입해 국공채 대비 추가 금리를 추구하면서도, 우량 금융기관 중심으로 포트폴리오를 구성해 신용위험을 관리하는 구조예요.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_01.png\" src=\"/upload/editor/2026/10/27//20261027084048511.png\" alt=\"#blog_01.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>만기 기준으로 여전채 AA-와 은행채 AAA의 금리가 국고채보다 높게 형성된 것을 확인할 수 있습니다. 특히 만기가 길어질수록 국고채와의 금리 차이가 벌어지는 모습인데요. 이처럼 우량 금융채는 국고채 대비 추가 금리를 기대할 수 있습니다.</h3>\r\n<p> </p>\r\n<h3>또한, 하나의 금융기관에 집중 투자하지 않고 다양한 금융회사가 발행한 채권을 편입한다는 점도 특징입니다.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_02.png\" src=\"/upload/editor/2026/10/27//20261027084154186.png\" alt=\"#blog_02.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>개별 채권은 특정 발행기관의 신용위험에 영향을 받을 수 있지만, <strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 은행채와 여전채 등 여러 우량 금융채에 분산 투자해 위험을 낮추고자 합니다. 또한 AAA~AA- 등급의 우량 채권을 중심으로 편입해 안정성을 높였어요.</h3>\r\n<h3> </h3>\r\n<h3>개별 채권에 투자할 경우 특정 발행기관의 신용위험에 노출될 수 있지만, 여러 금융기관이 발행한 채권을 함께 담음으로써 특정 발행기관에 대한 의존도를 낮추고 분산투자 효과를 추구할 수 있습니다.</h3>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<h1>투자포인트 2️⃣</h1>\r\n<h1>투자 전에 YTM을 확인할 수 있는 채권 ETF</h1>\r\n<p> </p>\r\n<h3>채권에 투자할 때는 어떤 채권을 선택할지도 중요하지만, <strong>언제 투자금을 돌려받을 수 있는지, 그때까지 보유하면 어느 정도의 수익을 기대할 수 있는지</strong>도 함께 살펴봐야 합니다.</h3>\r\n<h3>주식 투자와 달리 채권 투자는 투자 기간과 기대수익률을 비교적 미리 가늠해 볼 수 있다는 특징이 있는데요. 그래서 채권 투자자들이 가장 중요하게 살펴보는 지표 중 하나가 <strong>YTM(만기기대수익률)</strong> 입니다.</h3>\r\n<h3> </h3>\r\n<h3><strong>\uD83E\uDDD0<span style=\"text-decoration: underline;\"> YTM이 뭔데?</span></strong><br>YTM은 Yield to Maturity의 약자로, 우리말로는 만기기대수익률이라고 부릅니다. 이는 현재 가격으로 채권을 매수해 만기까지 보유하고, 중간에 받는 이자를 같은 수익률로 재투자한다고 가정했을 때의 연환산 수익률인데요. 쉽게 말해, 지금 투자해 만기까지 가지고 있다면 어느 정도의 수익을 기대할 수 있을지 가늠해 보는 지표랍니다.</h3>\r\n<h3><br><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 2027년 12월을 만기로 설정한 채권 ETF입니다. 그래서 투자자는 ETF에 투자하기 전 <strong>현재 시점에서 기대할 수 있는 수익률과 투자 기간을 함께 확인할 수 있는 것</strong>이죠. 이를 통해 보다 계획적인 자금 운용이 가능합니다.</h3>\r\n<h2>​</h2>\r\n<h2> </h2>\r\n<h1><br>투자포인트 3️⃣</h1>\r\n<h1>채권 투자의 진입장벽은 낮추고 활용도는 높이고</h1>\r\n<p> </p>\r\n<h3>채권 투자가 좋은 건 알겠는데 막상 시작하기는 어렵다고 느끼는 분들도 많습니다. 주식처럼 익숙한 투자 상품이 아니다 보니 어떤 채권을 선택해야 하는지, 만기는 언제인지, 금리는 얼마나 되는지 하나씩 확인해야 하기 때문인데요.</h3>\r\n<h3>​</h3>\r\n<h3>반면 ETF는 증권 계좌에서 주식처럼 매매할 수 있어 채권 투자의 접근성을 높여 줍니다.</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong> 역시 <strong>여러 금융회사의 채권에 분산투자하면서 거래소에서 비교적 편하게 매매할 수 있다는 점</strong>이 특징이에요. 개별 채권을 하나씩 선택하는 부담을 줄이고, ETF를 통해 우량등급 금융채에 투자할 수 있습니다.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_03.png\" src=\"/upload/editor/2026/10/27//20261027084506441.png\" alt=\"#blog_03.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>만기 채권 ETF 시리즈는 가입 금액의 제한이 없고, 투자 도중 돈이 필요해져도 해지 수수료 부담 없이 시장에서 자유롭게 사고팔 수 있습니다. 또한 만기가 정해져 있어 언제쯤 투자금을 돌려받을 수 있는지 미리 가늠해 볼 수 있으며, 투자 내역도 매일 공개돼 어디에 투자하고 있는지 한눈에 확인할 수 있습니다.</h3>\r\n<h3><br>연금 자산을 운용하고 있다면 <strong>연금저축이나 IRP, ISA 등의 절세계좌에서 투자하는 방법</strong>도 고려할 수 있어요. 연금저축과 IRP는 납입액에 대해 일정 한도 내에서 세액공제를 받을 수 있고, 계좌에서 ETF를 운용하며 발생한 이익에 대한 세금은 연금을 수령할 때까지 미룰 수 있습니다. ISA 역시 계좌 순수익 200만 원(서민형 400만 원)까지 비과세 혜택을 받을 수 있는데요. <span style=\"font-size: 10pt; color: rgb(149, 165, 166);\">* 과세기준 및 방법 향후 변동 가능</span></h3>\r\n<h3>이처럼 절세계좌의 세제 혜택을 활용해 세금 부담을 줄이면서, 채권 ETF를 연금 포트폴리오의 한 부분으로 활용해 보는 건 어떨까요?</h3>\r\n<h3> </h3>\r\n<p> </p>\r\n<p> </p>\r\n<h1><span style=\"background-color: rgb(251, 238, 184);\">\uD83D\uDCDDKODEX 27-12 금융채(AA-이상) 액티브 ETF 핵심 정리</span></h1>\r\n<h3>​</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 <strong>국내 우량 금융기관이 발행한 AA- 이상 금융채에 투자하는 채권 ETF</strong>입니다.</h3>\r\n<h3>국고채 대비 추가 금리를 기대할 수 있는 우량 금융채에 투자하면서도, 2027년 12월 만기 구조를 통해 투자 기간과 기대수익률을 비교적 명확하게 확인할 수 있다는 점이 특징인데요.</h3>\r\n<h3>여기에 ETF의 편의성과 연금저축&middot;IRP&middot;ISA 계좌 활용까지 가능해 채권 투자 접근성을 높였습니다.</h3>\r\n<h3>​</h3>\r\n<h3>✔️ AA- 이상 우량 금융채 투자</h3>\r\n<h3>✔️ 국고채 대비 추가 금리 추구</h3>\r\n<h3>✔️ 연금저축&middot;IRP&middot;ISA 투자 가능</h3>\r\n<h3> </h3>\r\n<h3><br><br>채권 투자에서는 어떤 자산에 투자할지 뿐 아니라 투자 기간과 기대수익률을 함께 살펴보는 것도 중요한데요. 우량 금융채에 투자하면서 만기까지의 투자 계획도 함께 세우고 싶다면, <strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>를 한 번 눈여겨보시길 추천해 드려요! \uD83D\uDE09</h3>\r\n<p>​</p>\r\n<p><span style=\"color: rgb(15, 15, 241);\">상품정보</span>​</p>\r\n<table class=\"se-table-content\" style=\"border-color: rgb(0, 0, 0); width: 56.0976%; height: 280.656px;\">\r\n<tbody>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-08c2bd7c-9b09-4011-867c-4ea91d4048f1\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15; /* padding: 2px 10px; *//* border: 1px solid #000;\"><span id=\"SE-5dfb8a29-1e0a-4b05-96d7-c0cc07507ba3\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">상품명</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p>KODEX 27-12 금융채(AA-이상) 액티브 ETF</p>\r\n<p id=\"SE-7919a1ee-29f4-45c8-93ed-aa0a703ac660\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15; /* padding: 2px 10px; *//* border: 1px solid #000;\"><span id=\"SE-662f1353-9729-49e3-b8fc-9743c4916ffd\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\"></span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"padding: 2px 10px; height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-c2663918-d8d3-4e94-b56e-a47fcafca600\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-c7f36e76-f768-4a29-8009-3ba9657ab127\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">종목코드</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-af9285e8-de9d-42aa-82e2-a86570bcebeb\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-e0459933-aaee-4197-bc70-bd9e5442ba12\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">0254C0</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-0fe27b17-0129-4c30-ae59-3f579295dac7\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-557a23fd-af26-43af-97be-90697dd6aa9a\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">기초지수</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-9ef1ddde-3650-4c60-aab5-b5764d060981\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-a93855c6-4d09-473a-a29f-efa542179b67\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">KAP27-12 금융채 총수익 지수(AA- 이상)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 60.1875px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 60.1875px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-0f0c4927-81bf-4834-b58a-4d9a2e51725a\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-089a9180-21da-4ec8-a672-014c443feeb1\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">총보수</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 60.1875px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-b83b4fbc-3c5e-489d-8bd1-69adf6cad684\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-8784c246-2db5-4628-a876-17cdd1c0bbe2\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">연 0.09% (집합투자 0.076%, AP 0.001%, 일반사무 0.003%, 신탁 0.010%)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; padding: 2px 10px; border: 1px solid rgb(0, 0, 0); height: 44.0938px;\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-220e9313-33de-49a7-885d-2d2f8fdb7e00\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-7d6fbf54-de0c-4028-bc7b-c1d2abc65e0a\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">상장일</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-e3d6ad9d-2953-4265-9a6b-623488de8ac9\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-139fadc0-7833-46cf-a258-558658d37c5c\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">2026년 10월 20일</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-80ba6d38-c503-475f-ad45-487b1012f7f9\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-67ac3ff0-6a6a-4502-98d5-611fe0d5e0be\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">위험등급</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-80261a04-5876-4f29-94c9-b106901228bb\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-d8878dea-11f3-4ae5-8c5b-ef967fe95ce8\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">5등급 (낮은 위험)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p><a href=\"/etf/product/view.do?id=2ETFW5\"><img title=\"#blog_banner.png\" src=\"/upload/editor/2026/10/27//20261027084904463.png\" alt=\"#blog_banner.png\" width=\"1200\" height=\"175\"></a></p>\r\n<p><img title=\"#blog_notice.jpg\" src=\"/upload/editor/2026/10/27//20261027084916042.jpg\" alt=\"#blog_notice.jpg\" width=\"966\" height=\"878\"><br><br></p>\r\n<p> </p>\r\n<p> </p>","caution":null,"sort":0,"useYn":"Y","highlightYn":"N","searchNum":102,"fundList":null,"uploadFile":null,"thumb":null,"uploadGuide":null,"attaches":null,"guide":null,"audioFile":null,"audio":null,"fileCount":0,"typeNm":"신규 ETF 보기","pressNm":null,"cnYn":true,"fstDateYmdSchema":"2026.10.27","utDateYmdSchema":"2026.10.27","openDateYmd":"2026.10.27","openDateHh":"00","ltUdDtm":null,"fstRgDtm":null,"use":true,"openDtm":null,"lawNo1":"","lawNo2":"","law":false,"regDttmPretty":null,"regDttmYmd":null,"htmlContent":"<p> </p>\r\n<h3>최근 금융시장 변동성이 커지면서 투자자들의 자산 운용 방식에도 관심이 쏠리고 있습니다. 금융투자협회에 따르면 올해 3분기 개인의 장외채권 순매수액은 10조 4028억 원으로, 전 분기보다 28.6% 증가했는데요. ​(출처: 서울신문, 2026.10.15)</h3>\r\n<h3>​</h3>\r\n<h3>채권 투자를 고려하고 있다면 단순히 금리 수준만 살펴보기보다 어떤 채권에 투자하는지, 투자 기간과 기대수익률은 어느 정도인지 함께 확인하는 것이 중요합니다. 특히 우량 금융채에 분산투자하면서 목표 만기를 정해 투자 계획을 세우고 싶다면 채권 ETF도 하나의 선택지가 될 수 있는데요.</h3>\r\n<h3>​</h3>\r\n<h3>지난 10월 20일 신규 상장한 <span style=\"background-color: rgb(53, 241, 229);\"><strong>KODEX 27-12 금융채(AA-이상) 액티브</strong> ETF</span>는 AA- 이상 등급의 금융채에 투자하고, 2027년 12월을 목표 만기로 설정한 상품입니다. 우량 금융채를 통해 국고채 대비 추가 금리를 추구하면서 만기기대수익률을 참고해 투자 계획을 세울 수 있다는 점이 특징인데요. 상품의 세 가지 투자포인트를 함께 살펴볼까요? \uD83D\uDD0E</h3>\r\n<h3><img title=\"#blog_top(word).png\" src=\"/upload/editor/2026/10/27//20261027083702298.png\" alt=\"#blog_top(word).png\" width=\"2560\" height=\"1069\"></h3>\r\n<p> </p>\r\n<p> </p>\r\n<table style=\"border-collapse: collapse; width: 189.135%; height: 248px;\" border=\"1\"><colgroup><col style=\"width: 100%;\"></colgroup>\r\n<tbody>\r\n<tr>\r\n<td style=\"background-color: rgb(236, 240, 241);\">\r\n<h3><span style=\"background-color: rgb(74, 247, 249);\"><strong>\uD83D\uDCCC KODEX 27-12 금융채(AA-이상) 액티브 ETF</strong></span></h3>\r\n<h3> </h3>\r\n<h3>1️⃣ <strong><span style=\"background-color: rgb(74, 247, 249);\">우량 금융채</span></strong>로 국고채보다 한 단계 더 높은 성과 추구</h3>\r\n<h3>2️⃣ 투자 전에 YTM을 확인할 수 있는 채권 ETF</h3>\r\n<h3>3️⃣ 채권 투자의 <strong><span style=\"background-color: rgb(74, 247, 249);\">진입장벽은 낮추고 활용도는 높이고</span></strong></h3>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<h1>투자포인트 1️⃣</h1>\r\n<h1>우량 금융채로 국고채보다 한 단계 더 높은 성과 추구</h1>\r\n<h3>채권마다 기대할 수 있는 수익률이 다른 이유 중 하나는 발행 주체와 신용도에 있습니다. 일반적으로 국가가 발행하는 국고채는 신용위험이 낮은 채권으로 분류됩니다. 반면 금융채는 은행, 금융지주, 카드사 등 금융기관이 발행하는 채권으로, 발행기관의 신용도와 시장 환경에 따라 국고채보다 높은 금리를 제공하는 경우가 있어요.</h3>\r\n<h3>​</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 이러한 금융채 가운데서도 <strong>AA- 이상 우량등급 채권에 투자</strong>하는데요. 은행채와 여신전문금융회사채(이하 여전채) 등을 편입해 국공채 대비 추가 금리를 추구하면서도, 우량 금융기관 중심으로 포트폴리오를 구성해 신용위험을 관리하는 구조예요.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_01.png\" src=\"/upload/editor/2026/10/27//20261027084048511.png\" alt=\"#blog_01.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>만기 기준으로 여전채 AA-와 은행채 AAA의 금리가 국고채보다 높게 형성된 것을 확인할 수 있습니다. 특히 만기가 길어질수록 국고채와의 금리 차이가 벌어지는 모습인데요. 이처럼 우량 금융채는 국고채 대비 추가 금리를 기대할 수 있습니다.</h3>\r\n<p> </p>\r\n<h3>또한, 하나의 금융기관에 집중 투자하지 않고 다양한 금융회사가 발행한 채권을 편입한다는 점도 특징입니다.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_02.png\" src=\"/upload/editor/2026/10/27//20261027084154186.png\" alt=\"#blog_02.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>개별 채권은 특정 발행기관의 신용위험에 영향을 받을 수 있지만, <strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 은행채와 여전채 등 여러 우량 금융채에 분산 투자해 위험을 낮추고자 합니다. 또한 AAA~AA- 등급의 우량 채권을 중심으로 편입해 안정성을 높였어요.</h3>\r\n<h3> </h3>\r\n<h3>개별 채권에 투자할 경우 특정 발행기관의 신용위험에 노출될 수 있지만, 여러 금융기관이 발행한 채권을 함께 담음으로써 특정 발행기관에 대한 의존도를 낮추고 분산투자 효과를 추구할 수 있습니다.</h3>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<h1>투자포인트 2️⃣</h1>\r\n<h1>투자 전에 YTM을 확인할 수 있는 채권 ETF</h1>\r\n<p> </p>\r\n<h3>채권에 투자할 때는 어떤 채권을 선택할지도 중요하지만, <strong>언제 투자금을 돌려받을 수 있는지, 그때까지 보유하면 어느 정도의 수익을 기대할 수 있는지</strong>도 함께 살펴봐야 합니다.</h3>\r\n<h3>주식 투자와 달리 채권 투자는 투자 기간과 기대수익률을 비교적 미리 가늠해 볼 수 있다는 특징이 있는데요. 그래서 채권 투자자들이 가장 중요하게 살펴보는 지표 중 하나가 <strong>YTM(만기기대수익률)</strong> 입니다.</h3>\r\n<h3> </h3>\r\n<h3><strong>\uD83E\uDDD0<span style=\"text-decoration: underline;\"> YTM이 뭔데?</span></strong><br>YTM은 Yield to Maturity의 약자로, 우리말로는 만기기대수익률이라고 부릅니다. 이는 현재 가격으로 채권을 매수해 만기까지 보유하고, 중간에 받는 이자를 같은 수익률로 재투자한다고 가정했을 때의 연환산 수익률인데요. 쉽게 말해, 지금 투자해 만기까지 가지고 있다면 어느 정도의 수익을 기대할 수 있을지 가늠해 보는 지표랍니다.</h3>\r\n<h3><br><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 2027년 12월을 만기로 설정한 채권 ETF입니다. 그래서 투자자는 ETF에 투자하기 전 <strong>현재 시점에서 기대할 수 있는 수익률과 투자 기간을 함께 확인할 수 있는 것</strong>이죠. 이를 통해 보다 계획적인 자금 운용이 가능합니다.</h3>\r\n<h2>​</h2>\r\n<h2> </h2>\r\n<h1><br>투자포인트 3️⃣</h1>\r\n<h1>채권 투자의 진입장벽은 낮추고 활용도는 높이고</h1>\r\n<p> </p>\r\n<h3>채권 투자가 좋은 건 알겠는데 막상 시작하기는 어렵다고 느끼는 분들도 많습니다. 주식처럼 익숙한 투자 상품이 아니다 보니 어떤 채권을 선택해야 하는지, 만기는 언제인지, 금리는 얼마나 되는지 하나씩 확인해야 하기 때문인데요.</h3>\r\n<h3>​</h3>\r\n<h3>반면 ETF는 증권 계좌에서 주식처럼 매매할 수 있어 채권 투자의 접근성을 높여 줍니다.</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong> 역시 <strong>여러 금융회사의 채권에 분산투자하면서 거래소에서 비교적 편하게 매매할 수 있다는 점</strong>이 특징이에요. 개별 채권을 하나씩 선택하는 부담을 줄이고, ETF를 통해 우량등급 금융채에 투자할 수 있습니다.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_03.png\" src=\"/upload/editor/2026/10/27//20261027084506441.png\" alt=\"#blog_03.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>만기 채권 ETF 시리즈는 가입 금액의 제한이 없고, 투자 도중 돈이 필요해져도 해지 수수료 부담 없이 시장에서 자유롭게 사고팔 수 있습니다. 또한 만기가 정해져 있어 언제쯤 투자금을 돌려받을 수 있는지 미리 가늠해 볼 수 있으며, 투자 내역도 매일 공개돼 어디에 투자하고 있는지 한눈에 확인할 수 있습니다.</h3>\r\n<h3><br>연금 자산을 운용하고 있다면 <strong>연금저축이나 IRP, ISA 등의 절세계좌에서 투자하는 방법</strong>도 고려할 수 있어요. 연금저축과 IRP는 납입액에 대해 일정 한도 내에서 세액공제를 받을 수 있고, 계좌에서 ETF를 운용하며 발생한 이익에 대한 세금은 연금을 수령할 때까지 미룰 수 있습니다. ISA 역시 계좌 순수익 200만 원(서민형 400만 원)까지 비과세 혜택을 받을 수 있는데요. <span style=\"font-size: 10pt; color: rgb(149, 165, 166);\">* 과세기준 및 방법 향후 변동 가능</span></h3>\r\n<h3>이처럼 절세계좌의 세제 혜택을 활용해 세금 부담을 줄이면서, 채권 ETF를 연금 포트폴리오의 한 부분으로 활용해 보는 건 어떨까요?</h3>\r\n<h3> </h3>\r\n<p> </p>\r\n<p> </p>\r\n<h1><span style=\"background-color: rgb(251, 238, 184);\">\uD83D\uDCDDKODEX 27-12 금융채(AA-이상) 액티브 ETF 핵심 정리</span></h1>\r\n<h3>​</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 <strong>국내 우량 금융기관이 발행한 AA- 이상 금융채에 투자하는 채권 ETF</strong>입니다.</h3>\r\n<h3>국고채 대비 추가 금리를 기대할 수 있는 우량 금융채에 투자하면서도, 2027년 12월 만기 구조를 통해 투자 기간과 기대수익률을 비교적 명확하게 확인할 수 있다는 점이 특징인데요.</h3>\r\n<h3>여기에 ETF의 편의성과 연금저축&middot;IRP&middot;ISA 계좌 활용까지 가능해 채권 투자 접근성을 높였습니다.</h3>\r\n<h3>​</h3>\r\n<h3>✔️ AA- 이상 우량 금융채 투자</h3>\r\n<h3>✔️ 국고채 대비 추가 금리 추구</h3>\r\n<h3>✔️ 연금저축&middot;IRP&middot;ISA 투자 가능</h3>\r\n<h3> </h3>\r\n<h3><br><br>채권 투자에서는 어떤 자산에 투자할지 뿐 아니라 투자 기간과 기대수익률을 함께 살펴보는 것도 중요한데요. 우량 금융채에 투자하면서 만기까지의 투자 계획도 함께 세우고 싶다면, <strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>를 한 번 눈여겨보시길 추천해 드려요! \uD83D\uDE09</h3>\r\n<p>​</p>\r\n<p><span style=\"color: rgb(15, 15, 241);\">상품정보</span>​</p>\r\n<table class=\"se-table-content\" style=\"border-color: rgb(0, 0, 0); width: 56.0976%; height: 280.656px;\">\r\n<tbody>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-08c2bd7c-9b09-4011-867c-4ea91d4048f1\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15; /* padding: 2px 10px; *//* border: 1px solid #000;\"><span id=\"SE-5dfb8a29-1e0a-4b05-96d7-c0cc07507ba3\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">상품명</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p>KODEX 27-12 금융채(AA-이상) 액티브 ETF</p>\r\n<p id=\"SE-7919a1ee-29f4-45c8-93ed-aa0a703ac660\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15; /* padding: 2px 10px; *//* border: 1px solid #000;\"><span id=\"SE-662f1353-9729-49e3-b8fc-9743c4916ffd\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\"></span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"padding: 2px 10px; height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-c2663918-d8d3-4e94-b56e-a47fcafca600\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-c7f36e76-f768-4a29-8009-3ba9657ab127\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">종목코드</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-af9285e8-de9d-42aa-82e2-a86570bcebeb\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-e0459933-aaee-4197-bc70-bd9e5442ba12\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">0254C0</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-0fe27b17-0129-4c30-ae59-3f579295dac7\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-557a23fd-af26-43af-97be-90697dd6aa9a\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">기초지수</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-9ef1ddde-3650-4c60-aab5-b5764d060981\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-a93855c6-4d09-473a-a29f-efa542179b67\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">KAP27-12 금융채 총수익 지수(AA- 이상)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 60.1875px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 60.1875px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-0f0c4927-81bf-4834-b58a-4d9a2e51725a\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-089a9180-21da-4ec8-a672-014c443feeb1\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">총보수</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 60.1875px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-b83b4fbc-3c5e-489d-8bd1-69adf6cad684\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-8784c246-2db5-4628-a876-17cdd1c0bbe2\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">연 0.09% (집합투자 0.076%, AP 0.001%, 일반사무 0.003%, 신탁 0.010%)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; padding: 2px 10px; border: 1px solid rgb(0, 0, 0); height: 44.0938px;\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-220e9313-33de-49a7-885d-2d2f8fdb7e00\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-7d6fbf54-de0c-4028-bc7b-c1d2abc65e0a\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">상장일</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-e3d6ad9d-2953-4265-9a6b-623488de8ac9\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-139fadc0-7833-46cf-a258-558658d37c5c\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">2026년 10월 20일</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-80ba6d38-c503-475f-ad45-487b1012f7f9\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-67ac3ff0-6a6a-4502-98d5-611fe0d5e0be\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">위험등급</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-80261a04-5876-4f29-94c9-b106901228bb\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-d8878dea-11f3-4ae5-8c5b-ef967fe95ce8\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">5등급 (낮은 위험)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p><a href=\"/etf/product/view.do?id=2ETFW5\"><img title=\"#blog_banner.png\" src=\"/upload/editor/2026/10/27//20261027084904463.png\" alt=\"#blog_banner.png\" width=\"1200\" height=\"175\"></a></p>\r\n<p><img title=\"#blog_notice.jpg\" src=\"/upload/editor/2026/10/27//20261027084916042.jpg\" alt=\"#blog_notice.jpg\" width=\"966\" height=\"878\"><br><br></p>\r\n<p> </p>\r\n<p> </p>","highlight":false,"newsLetter":false,"investmentGuide":false,"thumbPath":"","thumbNm":"","news":false,"blog":true,"newsMap":{"date":"2026.10.27","image":"/assets/media/default.png","conSite":"","pressNm":"","lawYn":"N","title":"채권 투자도 ETF로! - KODEX 27-12 금융채(AA-이상) 액티브 ETF (10/20 상장)","type":"BLOG","lawSd":"","content":"<p> </p>\r\n<h3>최근 금융시장 변동성이 커지면서 투자자들의 자산 운용 방식에도 관심이 쏠리고 있습니다. 금융투자협회에 따르면 올해 3분기 개인의 장외채권 순매수액은 10조 4028억 원으로, 전 분기보다 28.6% 증가했는데요. ​(출처: 서울신문, 2026.10.15)</h3>\r\n<h3>​</h3>\r\n<h3>채권 투자를 고려하고 있다면 단순히 금리 수준만 살펴보기보다 어떤 채권에 투자하는지, 투자 기간과 기대수익률은 어느 정도인지 함께 확인하는 것이 중요합니다. 특히 우량 금융채에 분산투자하면서 목표 만기를 정해 투자 계획을 세우고 싶다면 채권 ETF도 하나의 선택지가 될 수 있는데요.</h3>\r\n<h3>​</h3>\r\n<h3>지난 10월 20일 신규 상장한 <span style=\"background-color: rgb(53, 241, 229);\"><strong>KODEX 27-12 금융채(AA-이상) 액티브</strong> ETF</span>는 AA- 이상 등급의 금융채에 투자하고, 2027년 12월을 목표 만기로 설정한 상품입니다. 우량 금융채를 통해 국고채 대비 추가 금리를 추구하면서 만기기대수익률을 참고해 투자 계획을 세울 수 있다는 점이 특징인데요. 상품의 세 가지 투자포인트를 함께 살펴볼까요? \uD83D\uDD0E</h3>\r\n<h3><img title=\"#blog_top(word).png\" src=\"/upload/editor/2026/10/27//20261027083702298.png\" alt=\"#blog_top(word).png\" width=\"2560\" height=\"1069\"></h3>\r\n<p> </p>\r\n<p> </p>\r\n<table style=\"border-collapse: collapse; width: 189.135%; height: 248px;\" border=\"1\"><colgroup><col style=\"width: 100%;\"></colgroup>\r\n<tbody>\r\n<tr>\r\n<td style=\"background-color: rgb(236, 240, 241);\">\r\n<h3><span style=\"background-color: rgb(74, 247, 249);\"><strong>\uD83D\uDCCC KODEX 27-12 금융채(AA-이상) 액티브 ETF</strong></span></h3>\r\n<h3> </h3>\r\n<h3>1️⃣ <strong><span style=\"background-color: rgb(74, 247, 249);\">우량 금융채</span></strong>로 국고채보다 한 단계 더 높은 성과 추구</h3>\r\n<h3>2️⃣ 투자 전에 YTM을 확인할 수 있는 채권 ETF</h3>\r\n<h3>3️⃣ 채권 투자의 <strong><span style=\"background-color: rgb(74, 247, 249);\">진입장벽은 낮추고 활용도는 높이고</span></strong></h3>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<h1>투자포인트 1️⃣</h1>\r\n<h1>우량 금융채로 국고채보다 한 단계 더 높은 성과 추구</h1>\r\n<h3>채권마다 기대할 수 있는 수익률이 다른 이유 중 하나는 발행 주체와 신용도에 있습니다. 일반적으로 국가가 발행하는 국고채는 신용위험이 낮은 채권으로 분류됩니다. 반면 금융채는 은행, 금융지주, 카드사 등 금융기관이 발행하는 채권으로, 발행기관의 신용도와 시장 환경에 따라 국고채보다 높은 금리를 제공하는 경우가 있어요.</h3>\r\n<h3>​</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 이러한 금융채 가운데서도 <strong>AA- 이상 우량등급 채권에 투자</strong>하는데요. 은행채와 여신전문금융회사채(이하 여전채) 등을 편입해 국공채 대비 추가 금리를 추구하면서도, 우량 금융기관 중심으로 포트폴리오를 구성해 신용위험을 관리하는 구조예요.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_01.png\" src=\"/upload/editor/2026/10/27//20261027084048511.png\" alt=\"#blog_01.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>만기 기준으로 여전채 AA-와 은행채 AAA의 금리가 국고채보다 높게 형성된 것을 확인할 수 있습니다. 특히 만기가 길어질수록 국고채와의 금리 차이가 벌어지는 모습인데요. 이처럼 우량 금융채는 국고채 대비 추가 금리를 기대할 수 있습니다.</h3>\r\n<p> </p>\r\n<h3>또한, 하나의 금융기관에 집중 투자하지 않고 다양한 금융회사가 발행한 채권을 편입한다는 점도 특징입니다.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_02.png\" src=\"/upload/editor/2026/10/27//20261027084154186.png\" alt=\"#blog_02.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>개별 채권은 특정 발행기관의 신용위험에 영향을 받을 수 있지만, <strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 은행채와 여전채 등 여러 우량 금융채에 분산 투자해 위험을 낮추고자 합니다. 또한 AAA~AA- 등급의 우량 채권을 중심으로 편입해 안정성을 높였어요.</h3>\r\n<h3> </h3>\r\n<h3>개별 채권에 투자할 경우 특정 발행기관의 신용위험에 노출될 수 있지만, 여러 금융기관이 발행한 채권을 함께 담음으로써 특정 발행기관에 대한 의존도를 낮추고 분산투자 효과를 추구할 수 있습니다.</h3>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<h1>투자포인트 2️⃣</h1>\r\n<h1>투자 전에 YTM을 확인할 수 있는 채권 ETF</h1>\r\n<p> </p>\r\n<h3>채권에 투자할 때는 어떤 채권을 선택할지도 중요하지만, <strong>언제 투자금을 돌려받을 수 있는지, 그때까지 보유하면 어느 정도의 수익을 기대할 수 있는지</strong>도 함께 살펴봐야 합니다.</h3>\r\n<h3>주식 투자와 달리 채권 투자는 투자 기간과 기대수익률을 비교적 미리 가늠해 볼 수 있다는 특징이 있는데요. 그래서 채권 투자자들이 가장 중요하게 살펴보는 지표 중 하나가 <strong>YTM(만기기대수익률)</strong> 입니다.</h3>\r\n<h3> </h3>\r\n<h3><strong>\uD83E\uDDD0<span style=\"text-decoration: underline;\"> YTM이 뭔데?</span></strong><br>YTM은 Yield to Maturity의 약자로, 우리말로는 만기기대수익률이라고 부릅니다. 이는 현재 가격으로 채권을 매수해 만기까지 보유하고, 중간에 받는 이자를 같은 수익률로 재투자한다고 가정했을 때의 연환산 수익률인데요. 쉽게 말해, 지금 투자해 만기까지 가지고 있다면 어느 정도의 수익을 기대할 수 있을지 가늠해 보는 지표랍니다.</h3>\r\n<h3><br><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 2027년 12월을 만기로 설정한 채권 ETF입니다. 그래서 투자자는 ETF에 투자하기 전 <strong>현재 시점에서 기대할 수 있는 수익률과 투자 기간을 함께 확인할 수 있는 것</strong>이죠. 이를 통해 보다 계획적인 자금 운용이 가능합니다.</h3>\r\n<h2>​</h2>\r\n<h2> </h2>\r\n<h1><br>투자포인트 3️⃣</h1>\r\n<h1>채권 투자의 진입장벽은 낮추고 활용도는 높이고</h1>\r\n<p> </p>\r\n<h3>채권 투자가 좋은 건 알겠는데 막상 시작하기는 어렵다고 느끼는 분들도 많습니다. 주식처럼 익숙한 투자 상품이 아니다 보니 어떤 채권을 선택해야 하는지, 만기는 언제인지, 금리는 얼마나 되는지 하나씩 확인해야 하기 때문인데요.</h3>\r\n<h3>​</h3>\r\n<h3>반면 ETF는 증권 계좌에서 주식처럼 매매할 수 있어 채권 투자의 접근성을 높여 줍니다.</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong> 역시 <strong>여러 금융회사의 채권에 분산투자하면서 거래소에서 비교적 편하게 매매할 수 있다는 점</strong>이 특징이에요. 개별 채권을 하나씩 선택하는 부담을 줄이고, ETF를 통해 우량등급 금융채에 투자할 수 있습니다.</h3>\r\n<p> </p>\r\n<p><img title=\"#blog_03.png\" src=\"/upload/editor/2026/10/27//20261027084506441.png\" alt=\"#blog_03.png\" width=\"1200\" height=\"900\"></p>\r\n<h3>만기 채권 ETF 시리즈는 가입 금액의 제한이 없고, 투자 도중 돈이 필요해져도 해지 수수료 부담 없이 시장에서 자유롭게 사고팔 수 있습니다. 또한 만기가 정해져 있어 언제쯤 투자금을 돌려받을 수 있는지 미리 가늠해 볼 수 있으며, 투자 내역도 매일 공개돼 어디에 투자하고 있는지 한눈에 확인할 수 있습니다.</h3>\r\n<h3><br>연금 자산을 운용하고 있다면 <strong>연금저축이나 IRP, ISA 등의 절세계좌에서 투자하는 방법</strong>도 고려할 수 있어요. 연금저축과 IRP는 납입액에 대해 일정 한도 내에서 세액공제를 받을 수 있고, 계좌에서 ETF를 운용하며 발생한 이익에 대한 세금은 연금을 수령할 때까지 미룰 수 있습니다. ISA 역시 계좌 순수익 200만 원(서민형 400만 원)까지 비과세 혜택을 받을 수 있는데요. <span style=\"font-size: 10pt; color: rgb(149, 165, 166);\">* 과세기준 및 방법 향후 변동 가능</span></h3>\r\n<h3>이처럼 절세계좌의 세제 혜택을 활용해 세금 부담을 줄이면서, 채권 ETF를 연금 포트폴리오의 한 부분으로 활용해 보는 건 어떨까요?</h3>\r\n<h3> </h3>\r\n<p> </p>\r\n<p> </p>\r\n<h1><span style=\"background-color: rgb(251, 238, 184);\">\uD83D\uDCDDKODEX 27-12 금융채(AA-이상) 액티브 ETF 핵심 정리</span></h1>\r\n<h3>​</h3>\r\n<h3><strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>는 <strong>국내 우량 금융기관이 발행한 AA- 이상 금융채에 투자하는 채권 ETF</strong>입니다.</h3>\r\n<h3>국고채 대비 추가 금리를 기대할 수 있는 우량 금융채에 투자하면서도, 2027년 12월 만기 구조를 통해 투자 기간과 기대수익률을 비교적 명확하게 확인할 수 있다는 점이 특징인데요.</h3>\r\n<h3>여기에 ETF의 편의성과 연금저축&middot;IRP&middot;ISA 계좌 활용까지 가능해 채권 투자 접근성을 높였습니다.</h3>\r\n<h3>​</h3>\r\n<h3>✔️ AA- 이상 우량 금융채 투자</h3>\r\n<h3>✔️ 국고채 대비 추가 금리 추구</h3>\r\n<h3>✔️ 연금저축&middot;IRP&middot;ISA 투자 가능</h3>\r\n<h3> </h3>\r\n<h3><br><br>채권 투자에서는 어떤 자산에 투자할지 뿐 아니라 투자 기간과 기대수익률을 함께 살펴보는 것도 중요한데요. 우량 금융채에 투자하면서 만기까지의 투자 계획도 함께 세우고 싶다면, <strong><span style=\"background-color: rgb(74, 247, 249);\">KODEX 27-12 금융채(AA-이상) 액티브 ETF</span></strong>를 한 번 눈여겨보시길 추천해 드려요! \uD83D\uDE09</h3>\r\n<p>​</p>\r\n<p><span style=\"color: rgb(15, 15, 241);\">상품정보</span>​</p>\r\n<table class=\"se-table-content\" style=\"border-color: rgb(0, 0, 0); width: 56.0976%; height: 280.656px;\">\r\n<tbody>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-08c2bd7c-9b09-4011-867c-4ea91d4048f1\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15; /* padding: 2px 10px; *//* border: 1px solid #000;\"><span id=\"SE-5dfb8a29-1e0a-4b05-96d7-c0cc07507ba3\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">상품명</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p>KODEX 27-12 금융채(AA-이상) 액티브 ETF</p>\r\n<p id=\"SE-7919a1ee-29f4-45c8-93ed-aa0a703ac660\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15; /* padding: 2px 10px; *//* border: 1px solid #000;\"><span id=\"SE-662f1353-9729-49e3-b8fc-9743c4916ffd\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\"></span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"padding: 2px 10px; height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-c2663918-d8d3-4e94-b56e-a47fcafca600\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-c7f36e76-f768-4a29-8009-3ba9657ab127\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">종목코드</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-af9285e8-de9d-42aa-82e2-a86570bcebeb\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-e0459933-aaee-4197-bc70-bd9e5442ba12\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">0254C0</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-0fe27b17-0129-4c30-ae59-3f579295dac7\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-557a23fd-af26-43af-97be-90697dd6aa9a\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">기초지수</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-9ef1ddde-3650-4c60-aab5-b5764d060981\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-a93855c6-4d09-473a-a29f-efa542179b67\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">KAP27-12 금융채 총수익 지수(AA- 이상)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 60.1875px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 60.1875px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-0f0c4927-81bf-4834-b58a-4d9a2e51725a\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-089a9180-21da-4ec8-a672-014c443feeb1\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">총보수</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 60.1875px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-b83b4fbc-3c5e-489d-8bd1-69adf6cad684\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-8784c246-2db5-4628-a876-17cdd1c0bbe2\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">연 0.09% (집합투자 0.076%, AP 0.001%, 일반사무 0.003%, 신탁 0.010%)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; padding: 2px 10px; border: 1px solid rgb(0, 0, 0); height: 44.0938px;\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-220e9313-33de-49a7-885d-2d2f8fdb7e00\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-7d6fbf54-de0c-4028-bc7b-c1d2abc65e0a\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">상장일</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-e3d6ad9d-2953-4265-9a6b-623488de8ac9\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-139fadc0-7833-46cf-a258-558658d37c5c\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">2026년 10월 20일</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n<tr class=\"se-tr\" style=\"height: 44.0938px;\">\r\n<td class=\"se-cell\" style=\"width: 19.6375%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-80ba6d38-c503-475f-ad45-487b1012f7f9\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-67ac3ff0-6a6a-4502-98d5-611fe0d5e0be\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">위험등급</span></p>\r\n</div>\r\n</td>\r\n<td class=\"se-cell\" style=\"width: 80.3625%; height: 44.0938px; padding: 2px 10px; border: 1px solid rgb(0, 0, 0);\" colspan=\"1\" rowspan=\"1\">\r\n<div class=\"se-module se-module-text\">\r\n<p id=\"SE-80261a04-5876-4f29-94c9-b106901228bb\" class=\"se-text-paragraph se-text-paragraph-align- \" style=\"line-height: 1.15;\"><span id=\"SE-d8878dea-11f3-4ae5-8c5b-ef967fe95ce8\" class=\"se-fs-fs13 se-ff-nanumsquare   \" style=\"color: #000000;\">5등급 (낮은 위험)</span></p>\r\n</div>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p><a href=\"/etf/product/view.do?id=2ETFW5\"><img title=\"#blog_banner.png\" src=\"/upload/editor/2026/10/27//20261027084904463.png\" alt=\"#blog_banner.png\" width=\"1200\" height=\"175\"></a></p>\r\n<p><img title=\"#blog_notice.jpg\" src=\"/upload/editor/2026/10/27//20261027084916042.jpg\" alt=\"#blog_notice.jpg\" width=\"966\" height=\"878\"><br><br></p>\r\n<p> </p>\r\n<p> </p>","typeNm":"신규 ETF 보기","seqn":"80575","lawNo":"-","lawEd":""},"youtube":false,"newsroomMap":{"conSite":null,"fileNm":"default.png","typeNm":"신규 ETF 보기","regDttm":"2026.10.27","filePath":"/assets/media/","likeYn":"Y","insightCategory":"NEWSROOM","title":"채권 투자도 ETF로! - KODEX 27-12 금융채(AA-이상) 액티브 ETF (10/20 상장)","category":"신규 ETF 보기","reportInsight":"false","seq":"80575"}}],"themeNm":""},"trader":{},"dollor":[],"point":{"caution":"","investPoints":[{"seq":"259","fundId":"2ETF96","type":"ROTTIE","title":"다음 회계연도 예상 배당수익률이 높은 국내 주식에 투자하는 ETF","content":"KOSPI 지수 구성 종목 중 다음 회계연도 예상 배당수익률이 높은 종목 중 상위30%에 투자합니다.","lang":"KR","uploadFile":null,"filePath":"/upload/kodex/product/investPoint/","fileNm":"20230226155225423.png","fileOriNm":"M_4-1_baedang_updown.png","empty":false,"htmlContent":"KOSPI 지수 구성 종목 중 다음 회계연도 예상 배당수익률이 높은 종목 중 상위30%에 투자합니다.","eng":false,"rottie":true,"icon":false,"editor":false},{"seq":"260","fundId":"2ETF96","type":"ROTTIE","title":"FnGuide 고배당 Plus 지수 추종","content":"다음 회계연도 예상배당수익률이 기초 유니버스의 상위 30%이며, 시가총액 5천억 이상과 ROE, 배당성향이 하위10%인 종목은 제외하여 배당주 중 우량 기업들로 지수를 구성합니다.","lang":"KR","uploadFile":null,"filePath":"/upload/kodex/product/investPoint/","fileNm":"20230226155225463.json","fileOriNm":"M_4-2_graph.json","empty":false,"htmlContent":"다음 회계연도 예상배당수익률이 기초 유니버스의 상위 30%이며, 시가총액 5천억 이상과 ROE, 배당성향이 하위10%인 종목은 제외하여 배당주 중 우량 기업들로 지수를 구성합니다.","eng":false,"rottie":true,"icon":false,"editor":false},{"seq":"261","fundId":"2ETF96","type":"ROTTIE","title":"월분배 ETF","content":"월단위로 배당금을 지급하여 꾸준한 현금흐름을 만들어내는 월배당 ETF 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