{"id":29113,"date":"2021-05-16T21:26:21","date_gmt":"2021-05-16T19:26:21","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29113"},"modified":"2025-03-19T08:34:51","modified_gmt":"2025-03-19T07:34:51","slug":"%eb%a1%9c%eb%b3%b4-%ec%96%b4%eb%93%9c%eb%b0%94%ec%9d%b4%ec%a0%80%eb%a6%ac-%ed%88%b4%ec%9d%b4-%ec%88%98%ec%88%98%eb%a3%8c-%ed%8f%ad%eb%9d%bd%ec%9d%b4-%ec%95%84%eb%8b%8c-%ec%88%98%ec%88%98%eb%a3%8c","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/how-robo-advisory-tools-are-causing-fee-deflation-and-not-fee-collapse\/","title":{"rendered":"\ub85c\ubcf4 \uc5b4\ub4dc\ubc14\uc774\uc800\ub9ac \ud234\uc774 \uc218\uc218\ub8cc \ud3ed\ub77d\uc774 \uc544\ub2cc \uc218\uc218\ub8cc \ub514\ud50c\ub808\uc774\uc158\uc744 \uc77c\uc73c\ud0a4\ub294 \ubc29\ubc95"},"content":{"rendered":"<h3 class=\"wp-block-heading\" id=\"h-as-always-it-s-all-about-scarcity-and-productivity\">\uc5b8\uc81c\ub098 \uadf8\ub807\ub4ef, \ud76c\uc18c\uc131\uacfc \uc0dd\uc0b0\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\ub144 \ub3d9\uc548 \uc6b0\ub9ac\ub294 \ub85c\ubd07 \uc790\ubb38\uc774 \uc740\ud589\uc744 \uc8fd\uc774\uace0 \uc218\uc218\ub8cc \ud3ed\ub77d\uc744 \ucd08\ub798\ud560 \uac83\uc774\ub77c\ub294 \uc774\uc57c\uae30\ub97c \ub4e4\uc5c8\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc 5\ub144 \ub3d9\uc548 \uc790\uc0b0 \uad00\ub9ac\uc790\ub4e4\uc5d0\uac8c \uc790\ubb38\uc744 \uc81c\uacf5\ud55c \uacb0\uacfc, \uc0c1\ud669\uc740 \ub9e4\uc6b0 \ub2ec\ub77c\uc84c\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc2b5\uad00\uc774 \uc77c\ubd80 \uace0\uac1d\uc758 \ud589\ub3d9\uacfc \uc790\ubb38 \uc131\ud5a5\uc744 \ubc14\uafbc \uac83\uc740 \ubd84\uba85\ud569\ub2c8\ub2e4. \uc77c\ubd80\ub294 \uc140\ud504 \uc11c\ube44\uc2a4\ub97c \uc6d0\ud569\ub2c8\ub2e4. \uc288\ud37c\ub9c8\ucf13\uc5d0\uc11c \ubb3c\uac74\uc744 \uc2a4\uce94\ud560 \uc218\ub294 \uc788\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc288\ud37c\ub9c8\ucf13 \uc810\uc6d0\uc5d0\uac8c \uc2e0\ud638\ub97c \ubcf4\ub0b4 \uacc4\uc0b0\uc744 \ub9e1\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-changed-in-five-years\">5\ub144 \ub3d9\uc548 \uc5b4\ub5a4 \ubcc0\ud654\uac00 \uc788\uc5c8\ub098\uc694?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc775\uc131\uc774 80 \ubca0\uc774\uc2dc\uc2a4 \ud3ec\uc778\ud2b8\uc5d0\uc11c 65 \ubca0\uc774\uc2dc\uc2a4 \ud3ec\uc778\ud2b8\ub85c \ud558\ub77d\ud55c \uac83\uc744 \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4. 0.25% \uc774\ud558\uc758 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\ub294 \ub85c\ubd07 \uc6d4\ub4dc\ub294 \uc804\ud1b5\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ud0a4\uc9c0 \ubabb\ud588\uc73c\uba70, \uc5ed\uc0ac\uc801\uc73c\ub85c 1%\ub85c \uad00\ub9ac\ud588\uc2b5\ub2c8\ub2e4. \uc218\uc775\uc131\uc740 \ub5a8\uc5b4\uc84c\uc9c0\ub9cc \uc601\uc5c5 \uc774\uc775\ub960\uc740 \uc790\uc0b0 \uc790\ubb38 \ud68c\uc0ac.... \uc758 \uaddc\ubaa8\ub098 \uc704\uce58\uc5d0 \uad00\uacc4\uc5c6\uc774 \uc0c1\ub2f9\ud788 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ub418\uc5c8\uc2b5\ub2c8\ub2e4(MIFID2 \uc720\ubb34\uc5d0 \uad00\uacc4\uc5c6\uc774). \ub530\ub77c\uc11c \uc800\ub294 \uc720\ub7fd\uc5d0\uc11c MIFID2 \uc774\ud6c4 \ub9e4\uc77c \ub4e3\ub294 '\ud569\ubcd1, \uc131\uc7a5 \ub610\ub294 \uc0ac\ub9dd' \uba54\uc2dc\uc9c0\uc640 \uc2a4\uc704\uc2a4\uc758 \uc0c8\ub85c\uc6b4 \uc2a4\uc704\uc2a4 LSFIN\uc5d0 \ub300\ud574 \uc0c1\ub2f9\ud788 \ud68c\uc758\uc801\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\uc735\uc0c1\ud488\ud22c\uc790\uc9c0\uce68 II(MiFID II)\uc758 \uc2dc\ud589\uc740 \uc720\ub7fd \uc5f0\ud569 \uc804\uc5ed\uc758 \uc790\uc0b0 \ubc0f \uc790\uc0b0 \uad00\ub9ac \ud68c\uc0ac\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \uc8fc\ubaa9\ud560 \ub9cc\ud55c \uc601\ud5a5 \uc911 \ud558\ub098\ub294 \ub9ac\uc11c\uce58 \uc608\uc0b0\uc758 \uac10\uc18c\ub85c, 2019\ub144 \ucd08 CFA Institute\uc758 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc790\uc0b0 \uc6b4\uc6a9\uc0ac\uc758 \ub9ac\uc11c\uce58 \uc608\uc0b0\uc740 <a href=\"https:\/\/www.ftadviser.com\/investments\/2019\/12\/06\/the-impact-of-mifid-ii-on-small-caps\/\">\ud3c9\uade0\u00a0<strong>6.3%<\/strong>MiFID II \ub3c4\uc785 \uc774\ud6c4<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6b0\ub9ac\uac00 \ud568\uaed8 \uc77c\ud558\uace0 \uc788\ub294 \ub300\ubd80\ubd84\uc758 \ud68c\uc0ac\ub294 \uc218\ub144 \ub3d9\uc548 \ub0ae\uc740 \uc218\uc218\ub8cc \ud658\uacbd\uc5d0\uc11c \uc77c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4... \ub2e4\uc74c \uc601\uc5ed\uc740 \uc218\uc218\ub8cc \uc778\ud558\uac00 \uc544\ub2c8\ub77c \uaddc\ubaa8\uc758 \uacbd\uc81c\uc640 \ub3c4\ubbf8\ub178 \ud6a8\uacfc\uc785\ub2c8\ub2e4. \uae30\uc5c5\ub4e4\uc740 \ud540\ud14c\ud06c \uc571\uc2a4\ud1a0\uc5b4\ub97c \uad6c\ucd95\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc554\ud638\ud654\ud3d0 \uac70\ub798\ub97c \uc704\ud55c \ucf5c\ub4dc \uc2a4\ud1a0\ub9ac\uc9c0 \uc194\ub8e8\uc158\uc5d0 \uc5f0\uacb0\ud558\uace0 \ub124\uc624\ubc45\ud06c\uc640 \uac19\uc740 \uc628\ubcf4\ub529 \uace0\uac1d\uc744 \ud655\ubcf4\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc790\uc0b0 \ubc0f \uc790\uc0b0 \uad00\ub9ac\uc0ac\uac00 \uc624\ub298\ub0a0\uc758 \uc740\ud589\uc774 \ub420 \uc218 \uc788\uc744\uae4c\uc694? Gartner\uc5d0 \ub530\ub974\uba74 2030\ub144\uc5d0\ub294 \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc774 \uad00\ub828\uc131\uc774 \uc5c6\uc5b4\uc9c8 \uac83\uc774\ub77c\uace0 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc218\ub8cc\uac00 \ub2e4\uc2dc \uc778\uc0c1\ub418\ub098\uc694? \uc544\ub9c8\ub3c4\uc694. \uace0\ud488\uc9c8\uc758 \ubcf5\uc7a1\ud55c \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ud130\ub137 SAAS \ube44\uc988\ub2c8\uc2a4\uc5d0\uc11c \uace0\uac1d\uc774 \uc2ec\uac01\ud558\uac8c \ud654\ub97c \ub0c8\uc744 \ub54c \uc218\uc218\ub8cc\uac00 \uc778\uc0c1\ub418\uc5c8\uc2b5\ub2c8\ub2e4. (\uc9c1\ubd88 \uce74\ub4dc\uc5d0 \ud601\uba85\uc744 \uc81c\uacf5\ud558\ub294 \ud68c\uc0ac\uc5d0\uac8c \uc81c\uc548\ud558\uace0 \uc2f6\uc740 \uac83\uc740 \ubb34\uc5c7\uc778\uac00\uc694). \uc0c8\ub85c\uc6b4 \uc218\uc775\ub960 \uacbd\uc7c1\uacfc \uc8fc\uc2dd \uc0c1\uc2b9 \ub7a0\ub9ac\uc5d0 \ub300\ud55c \ucc38\uc5ec\uac00 \uac70\uc758 \uc5c6\uc790 \uc740\ud589\uacfc <a href=\"https:\/\/www.investglass.com\/ko\/%ec%82%ac%eb%aa%a8-%ed%8e%80%eb%93%9c-%ea%b4%80%eb%a6%ac\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1059\">\uc790\ubb38<\/a> \uc218\uc775\ub960, \uc704\ud5d8, \uc11c\ube44\uc2a4 \ud488\uc9c8 \ub610\ub294 \ud68c\uc0ac \uc218\uc775\uc131... \ub204\uad6c\uc5d0\uac8c\ub098 \ubd80\ub3d9\uc0b0 \ud569\uc131 \ubc0f \uc0ac\ubaa8 \ud380\ub4dc\ub97c \uc81c\uacf5\ud558\ub294 \ud68c\uc0ac?&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-clean-transparent-plug-and-invest\">\uae68\ub057\ud558\uace0 \ud22c\uba85\ud558\uba70 \ud50c\ub7ec\uadf8 \uc564 \ud22c\uc790<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ube44\ud575\uc2ec \uc5c5\ubb34\uc758 \uc0c1\uc1c4\ub294 \ube44\uc988\ub2c8\uc2a4 \uc6b4\uc601 \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4. \uc601\uad6d, \ud504\ub791\uc2a4, \uc2f1\uac00\ud3ec\ub974\uc5d0\uc11c \uace0\uac1d\ub4e4\uc774 \uc81c3\uc790 \ucd5c\uace0\ud22c\uc790\ucc45\uc784\uc790\ub97c \ud1b5\ud574 \ud22c\uc790 \ud504\ub85c\uc138\uc2a4\ub97c \ucd5c\ub300\ud55c \uc678\ubd80\ud654\ud558\uace0 \ub85c\ubd07 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud55c \ubc88\uc5d0 \ub9ac\ubc38\ub7f0\uc2f1\ud558\ub294 \uac83\uc744 \ubaa9\uaca9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\ub294 \uc218\uc218\ub8cc \uc555\ucd95\uc774 \uc544\ub2c8\ub77c \uc218\uc218\ub8cc \ub514\ud50c\ub808\uc774\uc158\uc785\ub2c8\ub2e4!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc678\ubd80\ud654\ub41c \uc790\uc6d0\uc758 \ub610 \ub2e4\ub978 \uc774\uc720\ub294 \uc778\uc7ac \ubd80\uc871\uc785\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\uc5d0\uc11c\ub294 \uc740\ud589\uac00\ub4e4\uc774 \ube59\ud558\ucc98\ub7fc \ub179\uc544\ub0b4\ub9ac\uace0 \uc788\ub2e4\ub294 \uc2ec\uac01\ud55c \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4! \uace0\ub839\ud654\ub418\uace0 \uc788\ub294 \uc790\uc0b0 \uad00\ub9ac \uc778\ub825\uc744 \uc5b4\ub5bb\uac8c \uc7ac\uc0dd\uc0b0\ud560 \uc218 \uc788\uc744\uae4c\uc694? \uc774\ub7ec\ud55c \uc778\uc7ac \ubd80\uc871 \ubb38\uc81c\uac00 \ub178\uace8\uc801\uc73c\ub85c \ub4dc\ub7ec\ub098\ub294 \uacf3\uc740 \uc2a4\uc704\uc2a4\ubfd0\ub9cc\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub3c4 CFP \uc790\uaca9\uc99d\uc774 \uc2ec\uac01\ud558\uac8c \ubd80\uc871\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub298\ub0a0 \uc790\ubb38\uc0ac\uc758 \uc218\uc775\uc131\uc5d0 \ub300\ud55c \uc7a0\uc7ac\uc801 \uc704\ud611\uc740 \ub85c\ubd07 \uc5b4\ub4dc\ubc14\uc774\uc800\uc758 \u201c\uc778\uc0c1'\uc774\ub098 \uc218\uc218\ub8cc \uc555\ubc15\uc774 \uc544\ub2c8\ub77c \ub2e8\uc21c\ud788 \uc790\ubcf8\uc744 \ubaa8\uc73c\uace0 \uc131\uc7a5\uc2dc\ud0ac \uae08\uc735 \uc790\ubb38\uc0ac\uac00 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4\ub294 \uc0ac\uc2e4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub791\uc2a4\uc5d0\uc11c\ub294 MIF\uc640 \u201c\uac70\ub798 \uad00\ub828 \uc138\uc81c \ud61c\ud0dd'\uc744 \ud1b5\ud574 \uc790\uc0b0 \uad00\ub9ac\uc790\ub4e4\uc774 \uc678\ubd80\ud654\ub41c \uc790\uc0b0\ubc30\ubd84\uc5c5\uccb4\uc640 \uc5f0\uacb0\ud558\uace0, \ud22c\uc790 \ub300\uc0c1\uc744 \uacf5\uc778 \uc99d\uad8c\uc73c\ub85c \uc81c\ud55c\ud558\uba70, \uc0ac\uc804 \uc2b9\uc778\ub41c \ubcf4\uc99d \ud68c\uc0ac\uc758 \u201d\ud074\ub9b0 \uc8fc\uc2dd'\uc744 \uc2e0\uc911\ud558\uac8c \uc120\ubcc4\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uba85\uc131\uc758 \uc138\uacc4\uc785\ub2c8\ub2e4. \ud504\ub791\uc2a4\uc5d0\uc11c\ub294 \uc138\uae08\uc5d0 \ucd5c\uc801\ud654\ub41c \ubbf8\uad6d \uc8fc\uc2dd\ud615 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\uace0\uc790 \ud558\ub294 \uacbd\uc6b0 \ub2e8 \ub450 \uac1c\uc758 \ud380\ub4dc\ub9cc \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4! \ub530\ub77c\uc11c \uc790\uc0b0 \uad00\ub9ac\uc790\ub4e4\uc740 \ubaa8\ub378 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c SMA \ubd84\ub9ac \uad00\ub9ac \ubc29\uc2dd\uc73c\ub85c \uc7ac\uad6c\uc131\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass\ub294 \ub2c8\uc2a4\uc5d0\uc11c \uc0dd\uc0b0\ub418\uace0 \ub9ac\uc639\uc5d0\uc11c \uad00\ub9ac\ub418\uba70 \ub8e9\uc148\ubd80\ub974\ud06c\uc5d0 \uacb0\uc81c\uac00 \uc774\ub8e8\uc5b4\uc9c0\ub294 \ud30c\ub9ac\uc5d0\uc11c \ud310\ub9e4\ub418\ub294 \ud22c\uba85\ud55c \ubaa8\ub378 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub85c, ETF \uc81c\uc870\uc5c5\uccb4, \ubaa8\ub378 \ud560\ub2f9\uc790, \uc790\uc0b0 \uad00\ub9ac\uc790 \ubc0f \uc218\ud0c1\/\ubcf4\ud5d8\uc0ac \uac04\uc758 \uc5f0\uacb0\uace0\ub9ac\ub85c \uc0ac\uc6a9\ub429\ub2c8\ub2e4. \uc774 \uc5bc\ub9c8\ub098 \uc904\ub118\uae30 \ub3d9\uae30\ud654\uc778\uac00...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\uc704\uc2a4\uc5d0\uc11c\ub294 LSFIN\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0\uc73c\ub85c \uc778\ud574 \uc790\uc0b0 \uad00\ub9ac\uc0ac\ub4e4\uc774 \ub514\uc9c0\ud138 \uc194\ub8e8\uc158\uc744 \uac16\ucd94\uae30 \uc704\ud574 \ub178\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\uc5d0\uc11c\ub294 \uc18c\uaddc\ubaa8 \ud68c\uc0ac\uac00 \ub300\ud615 \uc790\uc0b0 \uc6b4\uc6a9\uc0ac\uc5d0 \uc778\uc218\ud569\ubcd1\ub418\ub294 \uac83\uc774 \ucd94\uc138\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\uac00 \ud56d\uc0c1 \uaddc\ubaa8\uc758 \uacbd\uc81c\ub97c \ubcf4\uc7a5\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub300\ud615\ud654 \ucd94\uc138\uc5d0 \ub530\ub77c 5,000\ub9cc \uc720\ub85c \ubbf8\ub9cc\uc758 \ud68c\uc0ac\ub294 MIFID \ud658\uacbd\uc5d0\uc11c \uc0b4\uc544\ub0a8\uc744 \uc218 \uc5c6\uc9c0\ub9cc, \uc5f0\uac04 3,000\uc720\ub85c\ub9cc \ud22c\uc790\ud574\ub3c4 \uc0dd\uc0b0\uc131 \uc218\uc900\uc774 \uc0c1\ub2f9\ud788 \ub192\uc544\uc9c8 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uad00\ub9ac \uc790\uc0b0\uc774 20\uc5b5 \uc720\ub85c\uc5d0 \ub3c4\ub2ec\ud560 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-workflow-optimized-to-help-you-save-time\">\uc2dc\uac04\uc744 \uc808\uc57d\ud560 \uc218 \uc788\ub3c4\ub85d \ucd5c\uc801\ud654\ub41c \uc6cc\ud06c\ud50c\ub85c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub124 \uac00\uc9c0 \ud2b8\ub80c\ub4dc\uac00 \uc608\uc0c1\ub418\ub294\ub370, \uccab \ubc88\uc9f8\ub294 \uc5f0\uacb0\uc131\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc790\uc0b0 \uad00\ub9ac \ud68c\uc0ac \uc804\ubc18\uc5d0\uc11c \uc0ac\ub78c\ub4e4\uc774 \uc2e4\uc0ac\ub97c \ud558\uace0 \uba54\ubaa8\uc640 \uc5c4\uc120\ub41c \uc99d\uad8c \ubaa9\ub85d\uc744 \uad50\ud658\ud558\ub294 \ubaa8\uc2b5\uc744 \ubcf4\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4. \uc774\ub4e4\uc740 \ud604\uc7a5\uc5d0\uc11c \ubc14\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ub3c4\uad6c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub7f0 \ub2e4\uc74c CIO \ub610\ub294 \ud560\ub2f9\uc790 \ud300 \ube4c\ub529 \ubaa8\ub378 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c \uaddc\uc81c\ub97c \ubc1b\ub294 CIO\uc640 \ud568\uaed8 \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\uc5d0\uc11c \uc774\ub97c \uc218\ud589\ud55c \ub2e4\uc74c \ub2e4\ub978 \ud300\uc6d0\ub4e4\uacfc \uad50\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\ub294 \uac01 \uace0\uac1d\uc774 \uc790\uc2e0\ub9cc\uc758 \ub85c\ubd07 \uc790\ubb38 \ubaa8\ub378\uc744 \ubcf4\uc720\ud558\ub294 \uc2dc\uc810\uc5d0 \ub3c4\ub2ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ubcc4\ub3c4\uc758 \uc911\uc559 \uc9d1\uc911\uc2dd \uc790\ubb38\uc774\ub77c\uace0 \ubd80\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u201cSCA\u201d. \uc774\ub807\uac8c \ud558\uba74 \ud504\ub85c\uc138\uc2a4\uac00 \ub354\uc6b1 \uc6d0\ud65c\ud574\uc838 \uc774\uba54\uc77c\uacfc \uc5d1\uc140\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc815\ubcf4\uac00 \uc624\ub798\ub418\uc5b4 \uc0ac\ub78c\ub4e4\uc774 \uc88c\uc808\ud558\ub294 \uc0c1\ud669\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub7f0 \ub2e4\uc74c \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uac01 \ud22c\uc790\uc790 \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\uace0 \ub9de\ucda4\ud654\ud558\ub294 AI \ubd80\ubd84\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\ub4c8\uc2dd \uc704\uc82f\uacfc AI\uac00 \uacb0\ud569\ub418\uc5b4 \uc815\ub9d0 \ub3c5\ud2b9\ud55c \uacbd\ud5d8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9c8\uc9c0\ub9c9 \ud2b8\ub80c\ub4dc\ub294 \uc6f9 \uae30\ubc18 \ub3c4\uad6c\uc640 \ub354 \ub9ce\uc740 \uc778\uacf5\uc9c0\ub2a5\uc744 \ud65c\uc6a9\ud558\uc5ec \uaddc\uc81c \uc0ac\uac01\uc9c0\ub300\ub97c \ucc3e\uc544\ub0b4\ub294 \uc704\ud5d8 \ubd84\uc11d\uc785\ub2c8\ub2e4. \uc790\ub3d9\ud654\ub41c \uc6cc\ud06c\ud50c\ub85c\ub294 \ud300\uc758 \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uae30 \uc704\ud55c \ub300\uc751\ucc45\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5b4\ub5bb\uac8c \uc0dd\uac01\ud558\uc2dc\ub098\uc694? \uadc0\uc0ac\uc5d0\uc11c\ub3c4 \uac19\uc740 \ud328\ud134\uc774 \ub098\ud0c0\ub098\uace0 \uc788\ub098\uc694?<\/p>","protected":false},"excerpt":{"rendered":"<p>As always, it\u2019s all about scarcity and productivity For many years, we heard that robot advisory would kill banks, and cause fee collapse. After five years of advising wealth and asset managers, we have seen a very different picture. Clearly, digital habits changed the behaviour of some clients and their advisory nature. Some desire self-service. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[347],"class_list":["post-29113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-robo-advisor"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Robo Advisory Tools Are Causing Fee Deflation<\/title>\n<meta name=\"description\" content=\"Explore how robo advisory tools are driving fee deflation in financial services and reshaping the industry landscape\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/ko\/\ub85c\ubcf4-\uc5b4\ub4dc\ubc14\uc774\uc800\ub9ac-\ud234\uc774-\uc218\uc218\ub8cc-\ud3ed\ub77d\uc774-\uc544\ub2cc-\uc218\uc218\ub8cc\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Robo Advisory Tools Are Causing Fee Deflation and not Fee Collapse\" \/>\n<meta property=\"og:description\" content=\"As always, it\u2019s all about scarcity and productivity For many years, we heard that robot advisory would kill banks, and cause fee collapse. After five\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/ko\/\ub85c\ubcf4-\uc5b4\ub4dc\ubc14\uc774\uc800\ub9ac-\ud234\uc774-\uc218\uc218\ub8cc-\ud3ed\ub77d\uc774-\uc544\ub2cc-\uc218\uc218\ub8cc\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-16T19:26:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-19T07:34:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/wwwem-fx618.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"5\ubd84\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\ub85c\ubcf4 \uc5b4\ub4dc\ubc14\uc774\uc800\ub9ac \ud234\uc774 \uc218\uc218\ub8cc \ub514\ud50c\ub808\uc774\uc158\uc744 \ucd08\ub798\ud558\ub294 \ubc29\ubc95","description":"\ub85c\ubcf4 \uc5b4\ub4dc\ubc14\uc774\uc800\ub9ac \ud234\uc774 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc218\uc218\ub8cc \ub514\ud50c\ub808\uc774\uc158\uc744 \uc8fc\ub3c4\ud558\uace0 \uc5c5\uacc4 \ud658\uacbd\uc744 \uc7ac\ud3b8\ud558\ub294 \ubc29\ubc95\uc744 \uc0b4\ud3b4\ubcf4\uc138\uc694.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/ko\/\ub85c\ubcf4-\uc5b4\ub4dc\ubc14\uc774\uc800\ub9ac-\ud234\uc774-\uc218\uc218\ub8cc-\ud3ed\ub77d\uc774-\uc544\ub2cc-\uc218\uc218\ub8cc\/","og_locale":"ko_KR","og_type":"article","og_title":"How Robo Advisory Tools Are Causing Fee Deflation and not Fee Collapse","og_description":"As always, it\u2019s all about scarcity and productivity For many years, we heard that robot advisory would kill banks, and cause fee collapse. 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