{"id":548,"date":"2026-03-30T10:00:48","date_gmt":"2026-03-30T01:00:48","guid":{"rendered":"https:\/\/lifeis-picnic.com\/?p=548"},"modified":"2026-03-30T10:38:13","modified_gmt":"2026-03-30T01:38:13","slug":"schd-stock-selection-methodology","status":"publish","type":"post","link":"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/","title":{"rendered":"SCHD \uc885\ubaa9 \uc120\uc815 \uacf5\uc2dd \uc644\ubcbd \ud574\ubd80: \ubc30\ub2f9 \uc131\uc7a5 ETF\uc758 \ube44\ubc00"},"content":{"rendered":"<p data-path-to-node=\"1\">SCHD \uc885\ubaa9 \uc120\uc815<\/p>\n<p data-path-to-node=\"1\">\uc5ec\ub7ec\ubd84, \uc548\ub155\ud558\uc138\uc694. Wealth Builder\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"1\">\ubbf8\uad6d \ub300\ud45c \ubc30\ub2f9 \uc131\uc7a5 ETF\uc778 **SCHD(Schwab U.S. Dividend Equity ETF)**\uc5d0 \ud22c\uc790\ud558\uc2dc\uba74\uc11c, \uc815\uc791 \uc774 ETF\uac00 \uc5b4\ub5a4 \ub370\uc774\ud130\uc640 \ub17c\ub9ac\ub85c \uc885\ubaa9\uc744 \uace0\ub974\ub294\uc9c0 \uaf3c\uaf3c\ud788 \ub530\uc838\ubcf8 \uc801 \uc788\uc73c\uc2e0\uac00\uc694?<\/p>\n<p data-path-to-node=\"2\">SCHD\ub294 \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 \uc9c1\uac10\uc774\ub098 \uac10\uc815\uc774 \uac1c\uc785\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. S&amp;P \ub2e4\uc6b0\uc874\uc2a4 \uc778\ub371\uc2a4\uac00 \ubc1c\ud45c\ud558\ub294 **\u2018Dow Jones U.S. Dividend 100 Index\u2019**\ub77c\ub294 \uae30\ucd08 \uc9c0\uc218\ub97c 100% \uae30\uacc4\uc801\uc73c\ub85c \ucd94\uc885\ud560 \ubfd0\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"3\">\uc624\ub298\uc740 \uc774 \uae30\ucd08 \uc9c0\uc218\uc758 \uc885\ubaa9 \uc120\uc815 \uacf5\uc2dd\uc744 \ub2e8 \ud558\ub098\uc758 \uc0dd\ub7b5\ub3c4 \uc5c6\uc774 \ub77c\uc778 \ubc14\uc774 \ub77c\uc778(Line-by-Line)\uc73c\ub85c \uc0c1\uc138\ud788 \ud574\ubd80\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<hr data-path-to-node=\"4\" \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_55 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6a0d2dbd79962\" ><span class=\"\"><span style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" type=\"checkbox\"  id=\"item-6a0d2dbd79962\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#1%EB%8B%A8%EA%B3%84_%EC%B4%88%EA%B8%B0_%ED%88%AC%EC%9E%90_%EC%9C%A0%EB%8B%88%EB%B2%84%EC%8A%A4_Index_Universe_%EC%84%A4%EC%A0%95\" title=\"1\ub2e8\uacc4: \ucd08\uae30 \ud22c\uc790 \uc720\ub2c8\ubc84\uc2a4 (Index Universe) \uc124\uc815\">1\ub2e8\uacc4: \ucd08\uae30 \ud22c\uc790 \uc720\ub2c8\ubc84\uc2a4 (Index Universe) \uc124\uc815<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#2%EB%8B%A8%EA%B3%84_90%EA%B0%80_%ED%83%88%EB%9D%BD%ED%95%98%EB%8A%94_%EA%B9%90%EA%B9%90%ED%95%9C_%EC%9E%90%EA%B2%A9_%EC%9A%94%EA%B1%B4_Eligibility_Screens\" title=\"2\ub2e8\uacc4: 90%\uac00 \ud0c8\ub77d\ud558\ub294 \uae50\uae50\ud55c \uc790\uaca9 \uc694\uac74 (Eligibility Screens)\">2\ub2e8\uacc4: 90%\uac00 \ud0c8\ub77d\ud558\ub294 \uae50\uae50\ud55c \uc790\uaca9 \uc694\uac74 (Eligibility Screens)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#3%EB%8B%A8%EA%B3%84_%EB%B0%B0%EB%8B%B9%EC%88%98%EC%9D%B5%EB%A5%A0_%EA%B8%B0%EC%A4%80_1%EC%B0%A8_%EC%BB%B7%EC%98%A4%ED%94%84_Yield_Screen\" title=\"3\ub2e8\uacc4: \ubc30\ub2f9\uc218\uc775\ub960 \uae30\uc900 1\ucc28 \ucef7\uc624\ud504 (Yield Screen)\">3\ub2e8\uacc4: \ubc30\ub2f9\uc218\uc775\ub960 \uae30\uc900 1\ucc28 \ucef7\uc624\ud504 (Yield Screen)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#4%EB%8B%A8%EA%B3%84_4%EB%8C%80_%ED%8E%80%EB%8D%94%EB%A9%98%ED%84%B8_%ED%8F%89%EA%B0%80_%EB%B0%8F_%EC%A2%85%ED%95%A9_%EC%A0%90%EC%88%98_%EC%82%B0%EC%B6%9C_Fundamental_Scoring\" title=\"4\ub2e8\uacc4: 4\ub300 \ud380\ub354\uba58\ud138 \ud3c9\uac00 \ubc0f \uc885\ud569 \uc810\uc218 \uc0b0\ucd9c (Fundamental Scoring)\">4\ub2e8\uacc4: 4\ub300 \ud380\ub354\uba58\ud138 \ud3c9\uac00 \ubc0f \uc885\ud569 \uc810\uc218 \uc0b0\ucd9c (Fundamental Scoring)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#5%EB%8B%A8%EA%B3%84_%EC%B5%9C%EC%A2%85_100%EC%A2%85%EB%AA%A9_%EC%84%A0%EC%A0%95_%EB%B0%8F_%EB%B9%84%EC%9A%A9_%EC%A0%88%EA%B0%90_%EB%A3%B0_Buffer_Rules\" title=\"5\ub2e8\uacc4: \ucd5c\uc885 100\uc885\ubaa9 \uc120\uc815 \ubc0f \ube44\uc6a9 \uc808\uac10 \ub8f0 (Buffer Rules)\">5\ub2e8\uacc4: \ucd5c\uc885 100\uc885\ubaa9 \uc120\uc815 \ubc0f \ube44\uc6a9 \uc808\uac10 \ub8f0 (Buffer Rules)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#6%EB%8B%A8%EA%B3%84_%EB%B9%84%EC%A4%91_%ED%95%A0%EB%8B%B9_%EB%B0%8F_%EC%97%84%EA%B2%A9%ED%95%9C_%EC%83%81%ED%95%9C%EC%84%A0_%ED%86%B5%EC%A0%9C_Capping\" title=\"6\ub2e8\uacc4: \ube44\uc911 \ud560\ub2f9 \ubc0f \uc5c4\uaca9\ud55c \uc0c1\ud55c\uc120 \ud1b5\uc81c (Capping)\">6\ub2e8\uacc4: \ube44\uc911 \ud560\ub2f9 \ubc0f \uc5c4\uaca9\ud55c \uc0c1\ud55c\uc120 \ud1b5\uc81c (Capping)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#7%EB%8B%A8%EA%B3%84_%EB%A6%AC%EB%B0%B8%EB%9F%B0%EC%8B%B1_%EB%B0%8F_%EC%A6%89%EA%B0%81_%ED%87%B4%EC%B6%9C_%EC%8B%9C%EC%8A%A4%ED%85%9C\" title=\"7\ub2e8\uacc4: \ub9ac\ubc38\ub7f0\uc2f1 \ubc0f \uc989\uac01 \ud1f4\ucd9c \uc2dc\uc2a4\ud15c\">7\ub2e8\uacc4: \ub9ac\ubc38\ub7f0\uc2f1 \ubc0f \uc989\uac01 \ud1f4\ucd9c \uc2dc\uc2a4\ud15c<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#%EA%B2%B0%EB%A1%A0_%EA%B0%90%EC%A0%95%EC%9D%84_%EB%B0%B0%EC%A0%9C%ED%95%9C_%EC%99%84%EB%B2%BD%ED%95%9C_%EC%8B%9C%EC%8A%A4%ED%85%9C_%ED%88%AC%EC%9E%90\" title=\"\uacb0\ub860: \uac10\uc815\uc744 \ubc30\uc81c\ud55c \uc644\ubcbd\ud55c \uc2dc\uc2a4\ud15c \ud22c\uc790\">\uacb0\ub860: \uac10\uc815\uc744 \ubc30\uc81c\ud55c \uc644\ubcbd\ud55c \uc2dc\uc2a4\ud15c \ud22c\uc790<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 data-path-to-node=\"5\"><span class=\"ez-toc-section\" id=\"1%EB%8B%A8%EA%B3%84_%EC%B4%88%EA%B8%B0_%ED%88%AC%EC%9E%90_%EC%9C%A0%EB%8B%88%EB%B2%84%EC%8A%A4_Index_Universe_%EC%84%A4%EC%A0%95\"><\/span>1\ub2e8\uacc4: \ucd08\uae30 \ud22c\uc790 \uc720\ub2c8\ubc84\uc2a4 (Index Universe) \uc124\uc815<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"6\">\uac00\uc7a5 \uba3c\uc800 \uc804\uccb4 \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c \uae30\ucd08\uc801\uc778 \ud6c4\ubcf4\uad70\uc744 \ucd94\ub824\ub0b4\ub294 \uc791\uc5c5\ubd80\ud130 \uc2dc\uc791\ud569\ub2c8\ub2e4. \ud2b9\uc815 \uc139\ud130\uc5d0 \uc5bd\ub9e4\uc774\uc9c0 \uc54a\uace0 \ub113\uc740 \uadf8\ubb3c\uc744 \ub358\uc9c0\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">\uae30\ucd08 \uc720\ub2c8\ubc84\uc2a4<\/b>: \ubbf8\uad6d \uc804\uccb4 \uc8fc\uc2dd \uc2dc\uc7a5\uc744 \ub300\ubcc0\ud558\ub294 \u2018Dow Jones U.S. Broad Market Index\u2019\uc758 \uad6c\uc131 \uc885\ubaa9 \uc804\uccb4\ub97c \ud6c4\ubcf4\ub85c \uc0bc\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uc2dc\uc7a5 \uc804\uccb4\ub97c \uc0c5\uc0c5\uc774 \ub4a4\uc838 \uc228\uc740 \uc9c4\uc8fc\ub97c \ucc3e\uaca0\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">\uc81c\uc678 \uc139\ud130 (Exclusions)<\/b>: \ubc30\ub2f9 \uc131\uaca9\uc774 \uc77c\ubc18 \uae30\uc5c5\uacfc \ub2ec\ub77c \uc9c0\uc218 \uc65c\uace1\uc744 \uc77c\uc73c\ud0ac \uc218 \uc788\ub294 <b data-path-to-node=\"7,1,0\" data-index-in-node=\"53\">\ub9ac\uce20(REITs)<\/b>, \ub9c8\uc2a4\ud130\ud569\uc790\ud68c\uc0ac(MLP), \uc6b0\uc120\uc8fc, \uc804\ud658\uc0ac\ucc44 \ub4f1\uc740 \ucd08\uae30\ubd80\ud130 \uc804\uba74 \ubc30\uc81c\ud569\ub2c8\ub2e4. \uc21c\uc218\ud558\uac8c \uc0ac\uc5c5 \ubcf8\uc5f0\uc758 \uacbd\uc7c1\ub825\uc73c\ub85c \ubc88 \ub3c8\uc744 \ubc30\ub2f9\ud558\ub294 \uc9c4\uc9dc \uc6b0\ub7c9 \uae30\uc5c5\ub9cc \uace0\ub974\uae30 \uc704\ud568\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"8\"><span class=\"ez-toc-section\" id=\"2%EB%8B%A8%EA%B3%84_90%EA%B0%80_%ED%83%88%EB%9D%BD%ED%95%98%EB%8A%94_%EA%B9%90%EA%B9%90%ED%95%9C_%EC%9E%90%EA%B2%A9_%EC%9A%94%EA%B1%B4_Eligibility_Screens\"><\/span>2\ub2e8\uacc4: 90%\uac00 \ud0c8\ub77d\ud558\ub294 \uae50\uae50\ud55c \uc790\uaca9 \uc694\uac74 (Eligibility Screens)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"9\">\ud6c4\ubcf4\uad70\uc5d0 \uc18d\ud55c \uae30\uc5c5\ub4e4\uc740 \ub2e4\uc74c\uc758 3\uac00\uc9c0 \uac15\ub825\ud55c \ud5c8\ub4e4\uc744 \ubb34\uc870\uac74 \ud1b5\uacfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \ub2e8\uacc4\uc5d0\uc11c \ubb34\ub2ac\ub9cc \ubc30\ub2f9\uc8fc\uc778 \ubbf8\uad6d \uc8fc\uc2dd\uc758 \uc57d 90% \uc774\uc0c1\uc774 \ub0c9\uc815\ud558\uac8c \ud0c8\ub77d\ud569\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"10\">\n<li>\n<p data-path-to-node=\"10,0,0\"><b data-path-to-node=\"10,0,0\" data-index-in-node=\"0\">\ubc30\ub2f9 \uc9c0\uae09 \uc774\ub825<\/b>: \ucd5c\uc18c <b data-path-to-node=\"10,0,0\" data-index-in-node=\"13\">10\ub144 \uc5f0\uc18d<\/b>\uc73c\ub85c \ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud588\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \uac19\uc740 \uacbd\uc81c \uc704\uae30 \uc18d\uc5d0\uc11c\ub3c4 \uc8fc\uc8fc\uc640\uc758 \uc57d\uc18d\uc744 \ud55c \ud574\ub3c4 \uac70\ub974\uc9c0 \uc54a\uc740 &#8216;\ubf08\ub300\uac00 \ud2bc\ud2bc\ud55c&#8217; \uae30\uc5c5\uc778\uc9c0 \uac80\uc99d\ud558\ub294 \ud575\uc2ec \uc2e0\ub8b0\ub3c4 \ud14c\uc2a4\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,1,0\"><b data-path-to-node=\"10,1,0\" data-index-in-node=\"0\">\uc2dc\uac00\ucd1d\uc561<\/b>: \uc720\ub3d9\uc8fc\uc2dd \uc218 \uc870\uc815 \uc2dc\uac00\ucd1d\uc561\uc774 \ucd5c\uc18c <b data-path-to-node=\"10,1,0\" data-index-in-node=\"24\">5\uc5b5 \ub2ec\ub7ec(\uc57d 6,700\uc5b5 \uc6d0)<\/b> \uc774\uc0c1\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc791\uc740 \uc704\uae30\uc5d0\ub3c4 \uc27d\uac8c \ud754\ub4e4\ub9b4 \uc218 \uc788\ub294 \uc18c\ud615 \uc7a1\uc8fc\ub97c \uac78\ub7ec\ub0b4\uace0 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uc7a5\uce58\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,2,0\"><b data-path-to-node=\"10,2,0\" data-index-in-node=\"0\">\uc720\ub3d9\uc131(\uac70\ub798\ub7c9)<\/b>: \ucd5c\uadfc 3\uac1c\uc6d4\uac04 \uc77c\ud3c9\uade0 \uac70\ub798 \ub300\uae08(ADVT)\uc774 \ucd5c\uc18c <b data-path-to-node=\"10,2,0\" data-index-in-node=\"38\">200\ub9cc \ub2ec\ub7ec<\/b> \uc774\uc0c1\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc544\ubb34\ub9ac \uc88b\uc740 \uc8fc\uc2dd\uc774\ub77c\ub3c4 \uc6d0\ud560 \ub54c \uc81c \uac12 \ubc1b\uace0 \ud314 \uc218 \uc5c6\ub2e4\uba74 \ubb34\uc6a9\uc9c0\ubb3c\uc774\ubbc0\ub85c, \ud655\uc2e4\ud55c \uc720\ub3d9\uc131\uc744 \ub2f4\ubcf4\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"11\"><span class=\"ez-toc-section\" id=\"3%EB%8B%A8%EA%B3%84_%EB%B0%B0%EB%8B%B9%EC%88%98%EC%9D%B5%EB%A5%A0_%EA%B8%B0%EC%A4%80_1%EC%B0%A8_%EC%BB%B7%EC%98%A4%ED%94%84_Yield_Screen\"><\/span>3\ub2e8\uacc4: \ubc30\ub2f9\uc218\uc775\ub960 \uae30\uc900 1\ucc28 \ucef7\uc624\ud504 (Yield Screen)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"12\">\uc0dd\uc874\ud55c 300~400\uc5ec \uac1c\uc758 \uc885\ubaa9\ub4e4\uc744 \uc5f0\uac04 \uc608\uc0c1 \ubc30\ub2f9\uc218\uc775\ub960(IAD Yield) \uae30\uc900\uc73c\ub85c \ub0b4\ub9bc\ucc28\uc21c \uc815\ub82c\ud569\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"13\">\uc5ec\uae30\uc11c \ub2e4\uc2dc \ud55c\ubc88 \uce7c\uc744 \ube7c\ub4ed\ub2c8\ub2e4. \uc774 \uc911 **\uc0c1\uc704 50%(\uc808\ubc18)**\uc5d0 \ud574\ub2f9\ud558\ub294 \uae30\uc5c5\ub4e4\ub9cc \ub2e4\uc74c \ub2e8\uacc4\uc778 \ud380\ub354\uba58\ud138 \ud3c9\uac00\ub85c \ub118\uc5b4\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 10\ub144 \uc5f0\uc18d \ubc30\ub2f9\uc744 \ud588\ub354\ub77c\ub3c4, \ud604\uc7ac \ubc30\ub2f9\uc218\uc775\ub960\uc774 \uc740\ud589 \uc774\uc790\ub9cc\ub3c4 \ubabb\ud558\uac8c \ub0ae\ub2e4\uba74 \ubc30\ub2f9 ETF\ub85c\uc11c \ub9e4\ub825\uc774 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \uacfc\uac10\ud788 \uccd0\ub0b4\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<hr data-path-to-node=\"15\" \/>\n<h2 data-path-to-node=\"16\"><span class=\"ez-toc-section\" id=\"4%EB%8B%A8%EA%B3%84_4%EB%8C%80_%ED%8E%80%EB%8D%94%EB%A9%98%ED%84%B8_%ED%8F%89%EA%B0%80_%EB%B0%8F_%EC%A2%85%ED%95%A9_%EC%A0%90%EC%88%98_%EC%82%B0%EC%B6%9C_Fundamental_Scoring\"><\/span>4\ub2e8\uacc4: 4\ub300 \ud380\ub354\uba58\ud138 \ud3c9\uac00 \ubc0f \uc885\ud569 \uc810\uc218 \uc0b0\ucd9c (Fundamental Scoring)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"17\">\uc0b4\uc544\ub0a8\uc740 \uc808\ubc18\uc758 \uae30\uc5c5\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \uc9c4\uc9dc \uc2e4\ub825\uc744 \uac80\uc99d\ud569\ub2c8\ub2e4. \uc7ac\ubb34 \uac74\uc804\uc131\uacfc \ubc30\ub2f9 \uc131\uc7a5\uc131\uc744 \ud3c9\uac00\ud558\uae30 \uc704\ud574 \ub2e4\uc74c 4\uac00\uc9c0 \uc9c0\ud45c\uc5d0 **\ub3d9\uc77c\ud55c \uac00\uc911\uce58(\uac01 25%)**\ub97c \ubd80\uc5ec\ud574 \ucd5c\uc885 \uc885\ud569 \uc810\uc218(Composite Score)\ub97c \uc0b0\ucd9c\ud569\ub2c8\ub2e4.<\/p>\n<ol start=\"1\" data-path-to-node=\"18\">\n<li>\n<p data-path-to-node=\"18,0,0\"><b data-path-to-node=\"18,0,0\" data-index-in-node=\"0\">\ucd1d\ubd80\ucc44 \ub300\ube44 \ud604\uae08\ud750\ub984<\/b>: \uc601\uc5c5\ud65c\ub3d9 \ud604\uae08\ud750\ub984\uc744 \ucd1d\ubd80\ucc44\ub85c \ub098\ub215\ub2c8\ub2e4. \ube5a\uc744 \uac1a\uace0\ub3c4 \uc8fc\uc8fc\uc5d0\uac8c \ub098\ub220\uc904 \uc9c4\uc9dc \ud604\uae08\uc774 \uae08\uace0\uc5d0 \uc788\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uc791\uc5c5\uc785\ub2c8\ub2e4. \ud30c\uc0b0 \uc704\ud5d8\uc774 \uc5c6\ub294 \uc9c4\uc9dc \uc54c\uc9dc \ubd80\uc790\ub97c \ucc3e\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,1,0\"><b data-path-to-node=\"18,1,0\" data-index-in-node=\"0\">\uc790\uae30\uc790\ubcf8\uc774\uc775\ub960(ROE)<\/b>: \ub2f9\uae30\uc21c\uc774\uc775\uc744 \ucd1d\uc790\ubcf8\uc73c\ub85c \ub098\ub215\ub2c8\ub2e4. \uc8fc\uc8fc\uc758 \uc790\ubcf8\uc73c\ub85c \uc7a5\uc0ac\ub97c \uc5bc\ub9c8\ub098 \ud6a8\uc728\uc801\uc73c\ub85c \uc798\ud558\uace0 \uc788\ub294\uc9c0 \uc218\uc775\uc131\uc744 \ub530\uc9d1\ub2c8\ub2e4. \ub3c8\uc744 \uc798 \ubc8c\uc5b4\uc57c \ubc30\ub2f9\ub3c4 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,2,0\"><b data-path-to-node=\"18,2,0\" data-index-in-node=\"0\">\uc5f0\uac04 \uc608\uc0c1 \ubc30\ub2f9\uc218\uc775\ub960(IAD Yield)<\/b>: \uc8fc\ub2f9 \uc5f0\uac04 \uc608\uc0c1 \ubc30\ub2f9\uae08\uc744 \ud604\uc7ac \uc8fc\uac00\ub85c \ub098\ub215\ub2c8\ub2e4. \ub0b4 \ub3c8(\uc8fc\uac00) \ub300\ube44 \ubc30\ub2f9\uc744 \ub9ce\uc774 \uc8fc\ub294 \ub140\uc11d\uc5d0\uac8c \uac00\uc810\uc744 \uc90c\uc73c\ub85c\uc368 \ubc30\ub2f9 ETF \ubcf8\uc5f0\uc758 \ubaa9\uc801\uc5d0 \ucda9\uc2e4\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,3,0\"><b data-path-to-node=\"18,3,0\" data-index-in-node=\"0\">5\ub144 \uc5f0\ud3c9\uade0 \ubc30\ub2f9\uc131\uc7a5\ub960<\/b>: \ubb3c\uac00 \uc0c1\uc2b9\uc744 \uc774\uaca8\ub0b4\ub824\uba74 \ubc30\ub2f9\uae08\ub3c4 \ucee4\uc838\uc57c \ud569\ub2c8\ub2e4. \uacfc\uac70 5\ub144\uac04 \ubc30\ub2f9\uae08\uc744 \uc5bc\ub9c8\ub098 \uafb8\uc900\ud788 \ub298\ub838\ub294\uc9c0 \ud3c9\uac00\ud558\uc5ec \ubbf8\ub798\uc758 \ubc30\ub2f9 \uc131\uc7a5 \uc5ec\ub825\uc744 \ud655\uc778\ud569\ub2c8\ub2e4. \uacfc\uac70 5\ub144 \ub3d9\uc548\uc758 \ubc30\ub2f9\uae08 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n<h2 data-path-to-node=\"20\"><span class=\"ez-toc-section\" id=\"5%EB%8B%A8%EA%B3%84_%EC%B5%9C%EC%A2%85_100%EC%A2%85%EB%AA%A9_%EC%84%A0%EC%A0%95_%EB%B0%8F_%EB%B9%84%EC%9A%A9_%EC%A0%88%EA%B0%90_%EB%A3%B0_Buffer_Rules\"><\/span>5\ub2e8\uacc4: \ucd5c\uc885 100\uc885\ubaa9 \uc120\uc815 \ubc0f \ube44\uc6a9 \uc808\uac10 \ub8f0 (Buffer Rules)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"19\">\uc774 \ubd80\ubd84\uc774 \uc885\ubaa9 \uad50\uccb4\ub97c \ucd5c\uc18c\ud654\ud558\uc5ec ETF \uc6b4\uc6a9 \uc218\uc218\ub8cc\ub97c \ub0ae\ucd94\ub294 SCHD\ub9cc\uc758 \ud575\uc2ec \uae30\uc220\uc785\ub2c8\ub2e4. \uc885\ud569 \uc810\uc218 \uc21c\uc11c\ub300\ub85c \ubb34\uc870\uac74 1\ub4f1\ubd80\ud130 100\ub4f1\uc744 \ubf51\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"20\">\n<li>\n<p data-path-to-node=\"20,0,0\"><b data-path-to-node=\"20,0,0\" data-index-in-node=\"0\">\uc790\ub3d9 \ud3b8\uc785 (Rule 1):<\/b> \uc885\ud569 \uc810\uc218 \ub7ad\ud0b9 **1\uc704\ubd80\ud130 100\uc704\uae4c\uc9c0\uc758 \uae30\uc5c5 \uc911 &#8216;\uae30\uc874\uc5d0 SCHD\uc5d0 \ud3b8\uc785\ub418\uc5b4 \uc788\ub358 \uc885\ubaa9&#8217;**\uc740 \ubb34\uc870\uac74 \uc0b4\uc544\ub0a8\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,1,0\"><b data-path-to-node=\"20,1,0\" data-index-in-node=\"0\">\ubc29\uc5b4\uc804 \uc131\uacf5 (Rule 2):<\/b> 100\uc704 \ubc16\uc73c\ub85c \ubc00\ub824\ub0ac\ub354\ub77c\ub3c4, \uc885\ud569 \uc810\uc218 \ub7ad\ud0b9 **101\uc704 ~ 200\uc704 \uc0ac\uc774\uc5d0 \uc788\ub294 &#8216;\uae30\uc874 \ud3b8\uc785 \uc885\ubaa9&#8217;**\uc740 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uadf8\ub300\ub85c \uc794\ub958\ud569\ub2c8\ub2e4. (\uc989, \uc21c\uc704\uac00 \uc870\uae08 \ub5a8\uc5b4\uc84c\ub2e4\uace0 \ubc14\ub85c \ucad3\uc544\ub0b4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,2,0\"><b data-path-to-node=\"20,2,0\" data-index-in-node=\"0\">\uc2e0\uaddc \ud3b8\uc785 (Rule 3):<\/b> \uc704 \ub450 \uaddc\uce59\uc744 \uc801\uc6a9\ud558\uace0\ub3c4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 100\uc885\ubaa9\uc774 \ucc44\uc6cc\uc9c0\uc9c0 \uc54a\uc558\ub2e4\uba74, \uadf8\ub54c\uc11c\uc57c &#8216;\uae30\uc874\uc5d0 \uc5c6\ub358 \uc2e0\uaddc \uc885\ubaa9&#8217;\ub4e4\uc744 \uc885\ud569 \uc810\uc218 \ub7ad\ud0b9 \uc21c\uc11c\ub300\ub85c \ube48\uc790\ub9ac\uac00 100\uac1c\uac00 \ub420 \ub54c\uae4c\uc9c0 \ucc44\uc6cc \ub123\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"23\"><span class=\"ez-toc-section\" id=\"6%EB%8B%A8%EA%B3%84_%EB%B9%84%EC%A4%91_%ED%95%A0%EB%8B%B9_%EB%B0%8F_%EC%97%84%EA%B2%A9%ED%95%9C_%EC%83%81%ED%95%9C%EC%84%A0_%ED%86%B5%EC%A0%9C_Capping\"><\/span>6\ub2e8\uacc4: \ube44\uc911 \ud560\ub2f9 \ubc0f \uc5c4\uaca9\ud55c \uc0c1\ud55c\uc120 \ud1b5\uc81c (Capping)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"22\">100\uac1c \uc885\ubaa9\uc774 \ud655\uc815\ub418\uba74, \uac01 \uc885\ubaa9\uc758 \ube44\uc911\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4. \uae30\ubcf8\uc801\uc73c\ub85c &#8216;\uc720\ub3d9 \uc2dc\uac00\ucd1d\uc561&#8217;\uc774 \ud070 \uae30\uc5c5\uc774 \ub354 \ub9ce\uc740 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uc9c0\ub9cc, \uc3e0\ub9bc \ud604\uc0c1\uc744 \ub9c9\uae30 \uc704\ud574 3\uc911 \uc548\uc804\uc7a5\uce58\ub97c \ub461\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"23\">\n<li>\n<p data-path-to-node=\"23,0,0\"><b data-path-to-node=\"23,0,0\" data-index-in-node=\"0\">\ub2e8\uc77c \uc885\ubaa9 \ucea1 (Single Stock Cap):<\/b> \ud558\ub098\uc758 \uae30\uc5c5\uc774 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 **4.0%**\ub97c \ucd08\uacfc\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"23,1,0\"><b data-path-to-node=\"23,1,0\" data-index-in-node=\"0\">\uc139\ud130 \ucea1 (Sector Cap):<\/b> \ud2b9\uc815 \uc0b0\uc5c5(GICS \uc139\ud130 \uae30\uc900)\uc774 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 **25%**\ub97c \ucd08\uacfc\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"23,2,0\"><b data-path-to-node=\"23,2,0\" data-index-in-node=\"0\">\uc77c\uc77c \uc810\uac80 \ucea1 (Daily Weight Cap):<\/b> \ub9ac\ubc38\ub7f0\uc2f1 \uc774\ud6c4 \uc8fc\uac00\uac00 \ud3ed\ub4f1\ud558\uc5ec \ud2b9\uc815 \uc885\ubaa9 \ube44\uc911\uc774 4.7%\ub97c \ub118\uac70\ub098, \ube44\uc911 4.7% \uc774\uc0c1\uc778 \uc885\ubaa9\ub4e4\uc758 \ud569\uc774 \uc804\uccb4\uc758 22%\ub97c \ub118\uc744 \uacbd\uc6b0 \ud2b9\ubcc4 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ud1b5\ud574 \ub2e4\uc2dc \ube44\uc911\uc744 \uae4e\uc544\ub0c5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"26\"><span class=\"ez-toc-section\" id=\"7%EB%8B%A8%EA%B3%84_%EB%A6%AC%EB%B0%B8%EB%9F%B0%EC%8B%B1_%EB%B0%8F_%EC%A6%89%EA%B0%81_%ED%87%B4%EC%B6%9C_%EC%8B%9C%EC%8A%A4%ED%85%9C\"><\/span>7\ub2e8\uacc4: \ub9ac\ubc38\ub7f0\uc2f1 \ubc0f \uc989\uac01 \ud1f4\ucd9c \uc2dc\uc2a4\ud15c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"27\">\uc774 \uc644\ubcbd\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub3c4 \uc2dc\uac04\uc774 \uc9c0\ub098\uba74 \ubc38\ub7f0\uc2a4\uac00 \ubb34\ub108\uc9d1\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc815\ud574\uc9c4 \ub8f0\uc5d0 \ub530\ub77c <a href=\"https:\/\/www.schwabassetmanagement.com\/products\/schd\">\uae30\uacc4\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc9c4\ud589<\/a>\ud569\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"28\">\n<li>\n<p data-path-to-node=\"28,0,0\"><b data-path-to-node=\"28,0,0\" data-index-in-node=\"0\">\uc5f0\ub840 \ub300\uccad\uc18c (\ub9e4\ub144 3\uc6d4)<\/b>: 1\ub2e8\uacc4\ubd80\ud130 \ub2e4\uc2dc \uacf5\uc2dd\uc744 \ub3cc\ub824 100\uac1c\uc758 \uad6c\uc131 \uc885\ubaa9 \uc790\uccb4\ub97c \ubb3c\uac08\uc774\ud569\ub2c8\ub2e4. \ud3fc\uc774 \ub5a8\uc5b4\uc9c4 \uace0\uc778\ubb3c\uc740 \ubc84\ub9ac\uace0 \uc329\uc329\ud55c \uc2e0\uc778\uc744 \ubc1c\ud0c1\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"28,1,0\"><b data-path-to-node=\"28,1,0\" data-index-in-node=\"0\">\ubd84\uae30\ubcc4 \ube44\uc911 \uc870\uc808 (3, 6, 9, 12\uc6d4)<\/b>: \uc8fc\uac00 \ubcc0\ub3d9\uc73c\ub85c 4%\ub098 25% \uc0c1\ud55c\uc120\uc744 \ub118\uae34 \uc885\ubaa9\uc774 \uc788\ub2e4\uba74, \uc090\uc838\ub098\uc628 \ub9cc\ud07c \ub9e4\ub3c4\ud574 \ucc28\uc775\uc744 \uc2e4\ud604\ud558\uace0 \ub35c \uc624\ub978 \uc885\ubaa9\uc744 \uc0ac\ub4e4\uc785\ub2c8\ub2e4. \uc790\ub3d9\uc73c\ub85c \ube44\uc300 \ub54c \ud314\uace0 \uc300 \ub54c \uc0ac\ub294 \ud6a8\uacfc\uac00 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"28,2,0\"><b data-path-to-node=\"28,2,0\" data-index-in-node=\"0\">\ubc30\ub2f9 \ucde8\uc18c \uc989\uac01 \ud1f4\ucd9c<\/b>: 10\ub144 \ub118\uac8c \ubc30\ub2f9\uc744 \uc8fc\ub2e4\uac00 \uac11\uc790\uae30 \ubc30\ub2f9 \uc9c0\uae09\uc744 \uc804\uba74 \ucde8\uc18c\ud55c \uae30\uc5c5\uc740 \ub0b4\ub144 3\uc6d4\uae4c\uc9c0 \uae30\ub2e4\ub9ac\uc9c0 \uc54a\uace0 \ub2e4\uc74c \ub2ec\uc5d0 \uac00\ucc28 \uc5c6\uc774 \uc9c0\uc218\uc5d0\uc11c \ud1f4\ucd9c\ud574 \ubc84\ub9bd\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<hr data-path-to-node=\"29\" \/>\n<h3 data-path-to-node=\"30\"><span class=\"ez-toc-section\" id=\"%EA%B2%B0%EB%A1%A0_%EA%B0%90%EC%A0%95%EC%9D%84_%EB%B0%B0%EC%A0%9C%ED%95%9C_%EC%99%84%EB%B2%BD%ED%95%9C_%EC%8B%9C%EC%8A%A4%ED%85%9C_%ED%88%AC%EC%9E%90\"><\/span>\uacb0\ub860: \uac10\uc815\uc744 \ubc30\uc81c\ud55c \uc644\ubcbd\ud55c \uc2dc\uc2a4\ud15c \ud22c\uc790<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"31\">SCHD\ub294 \ub2e8\uc21c\ud558\uac8c \uace0\ubc30\ub2f9\uc8fc\ub97c \uc4f8\uc5b4 \ub2f4\ub294 \uc0c1\ud488\uc774 \uc544\ub2d9\ub2c8\ub2e4. **1) \uc704\uae30 \ub300\uc751\ub825(10\ub144 \ubc30\ub2f9), 2) \uc7ac\ubb34 \uc548\uc804\uc131(\ud604\uae08\ud750\ub984), 3) \uc555\ub3c4\uc801 \uc218\uc775\uc131(ROE), 4) \ubbf8\ub798 \uac00\uce58(\ubc30\ub2f9\uc131\uc7a5\ub960)**\ub97c \ubaa8\ub450 \ub9cc\uc871\ud558\ub294 \ubbf8\uad6d \ucd08\uc6b0\ub7c9 \uae30\uc5c5 100\uac1c\ub97c \uc555\ucd95\ud574 \ub193\uc740 \uc815\uad50\ud55c \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"32\">\uac10\uc815\uc5d0 \ud729\uc4f8\ub9ac\uc9c0 \ub9d0\uace0, \ucca0\uc800\ud558\uac8c \ub370\uc774\ud130\uac00 \uac80\uc99d\ud55c \uc774 \uac15\ub825\ud55c \ub85c\uc9c1\uc744 \ubbff\uc5b4\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc624\ub298 \uc124\uba85\ud574 \ub4dc\ub9b0 7\ub2e8\uacc4 \uacf5\uc2dd\uc744 \uc644\ubcbd\ud788 \uc774\ud574\ud558\uc168\ub2e4\uba74, \uc5ec\ub7ec\ubd84\uc758 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub294 \uc774\ubbf8 \ud55c \ub2e8\uacc4 \ub808\ubca8 \uc5c5 \ub41c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<hr data-path-to-node=\"33\" \/>\n<h3 data-path-to-node=\"34\"><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"35\"><b data-path-to-node=\"35\" data-index-in-node=\"0\">Q1. SCHD\ub294 IT \uae30\uc220\uc8fc \ube44\uc911\uc774 \uc65c \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\ub098\uc694?<\/b><\/p>\n<p data-path-to-node=\"35\">A. SCHD\ub294 &#8217;10\ub144 \uc5f0\uc18d \ubc30\ub2f9 \uc9c0\uae09&#8217;\uacfc &#8216;\ub192\uc740 \ubc30\ub2f9\uc218\uc775\ub960&#8217;\uc744 \uc694\uad6c\ud558\uae30 \ub54c\ubb38\uc5d0, \uc131\uc7a5\uc5d0 \uc790\ubcf8\uc744 \uc7ac\ud22c\uc790\ud558\ub290\ub77c \ubc30\ub2f9 \uc9c0\uae09 \uc774\ub825\uc774 \uc9e7\uac70\ub098 \ubc30\ub2f9\ub960\uc774 \ub0ae\uc740 \ube45\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \ucd08\uae30 \ud544\ud130\ub9c1\uc5d0\uc11c \ub300\uac70 \ud0c8\ub77d\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"36\"><b data-path-to-node=\"36\" data-index-in-node=\"0\">Q2. \uc2dc\uc7a5 \ud3ed\ub77d\uc7a5\uc5d0\uc11c\ub3c4 SCHD\uac00 \ubc29\uc5b4\ub825\uc774 \uc88b\uc740 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/b><\/p>\n<p data-path-to-node=\"36\">A. \uc885\ubaa9 \uc120\uc815 4\ub2e8\uacc4 \ud380\ub354\uba58\ud138 \ud3c9\uac00\uc5d0\uc11c &#8216;\ubd80\ucc44 \ub300\ube44 \ud604\uae08\ud750\ub984&#8217;\uacfc &#8216;ROE(\uc790\uae30\uc790\ubcf8\uc774\uc775\ub960)&#8217;\ub97c 50% \ube44\uc911\uc73c\ub85c \uc2ec\uc0ac\ud569\ub2c8\ub2e4. \uc989, \ube5a\uc774 \uc801\uace0 \ub3c8\uc744 \ud655\uc2e4\ud558\uac8c \uc798 \ubc84\ub294 \ud2bc\ud2bc\ud55c \uac00\uce58\uc8fc \uc704\uc8fc\ub85c 100\uc885\ubaa9\uc774 \uad6c\uc131\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"37\"><b data-path-to-node=\"37\" data-index-in-node=\"0\">Q3. SCHD \ub9ac\ubc38\ub7f0\uc2f1\uc740 \uc5b8\uc81c \uc77c\uc5b4\ub098\uba70 \uc81c\uac00 \uc9c1\uc811 \ud574\uc57c \ud558\ub098\uc694?<\/b><\/p>\n<p data-path-to-node=\"37\">A. \ub9ac\ubc38\ub7f0\uc2f1\uc740 \ub9e4\ub144 3\uc6d4\uc5d0 \ub300\uaddc\ubaa8 \uc885\ubaa9 \uad50\uccb4\uac00 \uc77c\uc5b4\ub098\uba70, \ubd84\uae30\ubcc4(3, 6, 9, 12\uc6d4)\ub85c \ube44\uc911 \uc7ac\uc870\uc815\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc774\ub294 ETF\ub97c \uc6b4\uc6a9\ud558\ub294 \ucc30\uc2a4\uc288\uc651\uc5d0\uc11c \uc9c0\uc218 \ub8f0\uc5d0 \ub530\ub77c \uc790\ub3d9\uc73c\ub85c \ucc98\ub9ac\ud558\ubbc0\ub85c \ud22c\uc790\uc790\uac00 \uc9c1\uc811 \uc870\uce58\ud560 \ubd80\ubd84\uc740 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>SCHD \uc885\ubaa9 \uc120\uc815 \uc5ec\ub7ec\ubd84, \uc548\ub155\ud558\uc138\uc694. Wealth Builder\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ub300\ud45c \ubc30\ub2f9 \uc131\uc7a5 ETF\uc778 **SCHD(Schwab U.S. Dividend Equity ETF)**\uc5d0 \ud22c\uc790\ud558\uc2dc\uba74\uc11c, \uc815\uc791 \uc774 ETF\uac00 \uc5b4\ub5a4 \ub370\uc774\ud130\uc640 \ub17c\ub9ac\ub85c \uc885\ubaa9\uc744 \uace0\ub974\ub294\uc9c0 \uaf3c\uaf3c\ud788 \ub530\uc838\ubcf8 \uc801 \uc788\uc73c\uc2e0\uac00\uc694? SCHD\ub294 \ud380\ub4dc \ub9e4\ub2c8\uc800\uc758 \uc9c1\uac10\uc774\ub098 \uac10\uc815\uc774 \uac1c\uc785\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. S&amp;P \ub2e4\uc6b0\uc874\uc2a4 \uc778\ub371\uc2a4\uac00 \ubc1c\ud45c\ud558\ub294 **\u2018Dow Jones U.S. Dividend 100 Index\u2019**\ub77c\ub294 \uae30\ucd08 \uc9c0\uc218\ub97c 100% \uae30\uacc4\uc801\uc73c\ub85c \ucd94\uc885\ud560 \ubfd0\uc785\ub2c8\ub2e4. \uc624\ub298\uc740 \uc774 &#8230; <a title=\"SCHD \uc885\ubaa9 \uc120\uc815 \uacf5\uc2dd \uc644\ubcbd \ud574\ubd80: \ubc30\ub2f9 \uc131\uc7a5 ETF\uc758 \ube44\ubc00\" class=\"read-more\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/\" aria-label=\"More on SCHD \uc885\ubaa9 \uc120\uc815 \uacf5\uc2dd \uc644\ubcbd \ud574\ubd80: \ubc30\ub2f9 \uc131\uc7a5 ETF\uc758 \ube44\ubc00\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[428,62,429,72,96],"class_list":["post-548","post","type-post","status-publish","format-standard","hentry","category-stock-market-analysis","tag-schd","tag-62","tag-etf","tag-72","tag-96"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SCHD \uc885\ubaa9 \uc120\uc815 \uacf5\uc2dd \uc644\ubcbd \ud574\ubd80: \ubc30\ub2f9 \uc131\uc7a5 ETF\uc758 \ube44\ubc00 - Wealth Builder<\/title>\n<meta name=\"description\" content=\"\ubbf8\uad6d \ub300\ud45c \ubc30\ub2f9 ETF\uc778 SCHD \uc885\ubaa9 \uc120\uc815 \uae30\uc900\uc744 10\ub144 \uc5f0\uc18d \ubc30\ub2f9, 4\ub300 \ud380\ub354\uba58\ud138 \ud3c9\uac00 \ub4f1 \ub77c\uc778\ubc14\uc774\ub77c\uc778\uc73c\ub85c \uc644\ubcbd \ud574\ubd80\ud569\ub2c8\ub2e4. SCHD \uc885\ubaa9 \uc120\uc815\uc758 \uc228\uaca8\uc9c4 \ube44\ubc00\uc744 \ud655\uc778\ud558\uc138\uc694.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifeis-picnic.com\/en\/schd-stock-selection-methodology\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SCHD \uc885\ubaa9 \uc120\uc815 \uacf5\uc2dd \uc644\ubcbd \ud574\ubd80: \ubc30\ub2f9 \uc131\uc7a5 ETF\uc758 \ube44\ubc00 - Wealth Builder\" \/>\n<meta property=\"og:description\" content=\"\ubbf8\uad6d \ub300\ud45c \ubc30\ub2f9 ETF\uc778 SCHD \uc885\ubaa9 \uc120\uc815 \uae30\uc900\uc744 10\ub144 \uc5f0\uc18d \ubc30\ub2f9, 4\ub300 \ud380\ub354\uba58\ud138 \ud3c9\uac00 \ub4f1 \ub77c\uc778\ubc14\uc774\ub77c\uc778\uc73c\ub85c \uc644\ubcbd \ud574\ubd80\ud569\ub2c8\ub2e4. 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