펀드, 알고 시작하자

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펀드, 알고 시작하자

목차

제 1장 서 론
제1절 연구의 배경과 목적··························································1

제2장 본 론
제1절 펀드의 개념과 종류··························································2
1. 펀드의 개념·····································································2
2. 펀드의 종류·····································································2
3. 펀드의 유형·····································································5
제2절 펀드 투자 전략·······························································7
1. 좋은 펀드 고르는 방법························································7
2. 투자스타일에 맞는 펀드 선택 노하우·······································9
3. 펀드의 가입과 관리, 환매····················································10
4. 펀드투자(주식형)와 다른 투자대안의 비교································13
제3절 펀드 뭐 별거 있나요·······················································14
1. 기본적으로 알아두어야 할 사항············································14
2. 펀드 가입 전 체크할 사항···················································15
3. 펀드 선택 시 유의 할 점····················································17
4. 펀드 용어 쉽게 이해하기····················································18
5. 펀드의 장단점·································································20
6. 펀드 운용 성과································································21
7. 펀드투자에 대한 일반적인 오해들··········································22

제4절 해외펀드 ····································································24
1. 해외펀드란 ···································································24
2. 해외펀드의 분류 ·····························································24
3. 해외펀드의 수익구조 ························································26
4. 해외펀드의 RISK ····························································27
5. 세금 관련 내용 ·······························································30
6. 해외펀드 유의사항 ···························································31
7. 해외펀드 투자의 필요성 및 투자결정 프로세스 ·························34

제3장 결 론 ··········································································35

부록 ····················································································41

본문내용

제1장 서론
제 1절 연구의 배경과 목적
1997년 외환위기로 인하여 IMF에 구제 금융을 요청하면서 어수선하고 어려웠던 당시의 시대적인 상황. 은행도 망한다는 기존의 상식의 파괴를 겪으면서 이제는 은행의 정기예금이나 적금보다는 ‘투자’라는 매매를 통한 재산 증식을 해야 한다고 2000년대 초반까지 떠들었던 얘기다. IMF외환위기 이후 갑작스런 퇴직으로 인한 실업률 급증과 안전 자산에 대한 불안감이 상존하면서 단순 이자율에 의지하는 ‘저축’보다는 차라리 ‘투자’라는 표현의 수익 창출에 대해서 많은 사람들이 관심을 가지는 계기가 되었다. 
자본시장 통합법으로 인해서 다양한 상품이 시장에 쏟아지는 것이 본격화 되고, 단순 이자율은 거의 없고 대부분의 상품들이 주식시장과 연동되거나 원자재, 환율, 선물 옵션 등의 파생 상품과도 연계가 되어 있어서 실제로 내가 가입한 상품의 정확한 수익률 구조를 이해하고 가입하는 사람들은 많지가 않다. 금융 상품별 위험도 크게 증가하고 있고 상품의 복잡 다양화되는 경향은 그렇다고 쳐도 한번 상품에 가입한 이후에도 시장의 흐름을 잘 살피지 않으면 하루가 다르게 돌발 변수나 악재들이 생기면서 수익률에 대해서 장담할 수 가 없어졌다. 그리고 평균 수명의 연장과 물가 상승과 국민 연금 수혜 금액의 축소로 노후 준비에 대한 부분이 전체적인 삶 자체의 방향성을 변화시켰고 대부분의 사람들의 인생 목표이자 사회생활의 궁극적인 지향점이 ‘은퇴 준비’라는 것으로 통일화 되고 있다.
최근 2~3년간 ‘홍수’라는 표현이 과장이 아닐 정도로 1주일에 수십 권이 넘는 재테크서적이나 자기계발서가 쏟아져 나왔다. 평균 생활수준이 점점 높아지면서 그에 따라 자신의 가치를 높이며 보다 금전적으로 풍요롭게 살고자 하는 욕망이 커짐에 따라 소위 돈 버는 방법에 대한 기술서들이 엄청나게 팔려나갔다.
특히 재테크에 대해서는 보통 은행에 맡겨두는 것만이 제일 안정적이고 이익이라고 인식하던 사람들이 펀드의 수익률과 성장성에 주목하며 하나둘 투자하기 시작하더니 어느새 재테크의 가장 중요한 수단으로 자리 잡게 되었다.

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