PGF 주가 전망 및 ETF 분석 - 배당·운용보수·보유종목·NAV·RSI·MACD

Q: PGF是否支付分红（分配）？

PGF的分红收益率约为 6.44%。

PGF

Invesco Financial Preferred ETF

7월 28일 2:53 PM ET (한국 7/29 03:53)

$13.56

+0.02 ▲ +0.15%

PGF ETF将从管理费率、持仓成分、行业配置、分红、RSI、MACD等10项指标进行分析。

总费用比率

0.55%

年度运营费用

净资产规模 (AUM)

$672M

약 9211억원

持仓

103只

股息率

6.44%

运作方式

Passive

Category ⓘ	Other Asset Types - Multi-Asset / Other	Asset Type ⓘ	Preferred Stock	Return% 1Y ⓘ	2.13%	Total Holdings ⓘ	103	Perf Week ⓘ	-0.73%
ETF Type ⓘ	Preferred	Active/Passive ⓘ	Passive	Return% 3Y ⓘ	4.34%	AUM ⓘ	$672M	Perf Month ⓘ	-0.66%
Expense ⓘ	0.55%	NAV ⓘ	$13.53	Return% 5Y ⓘ	-1.02%	52W High ⓘ	-9.59%	Perf Quarter ⓘ	-3.76%
Dividend TTM ⓘ	$0.87 (6.44%)	Div Gr. 3/5Y ⓘ	1.23% -1.08%	Return% 10Y ⓘ	1.97%	52W Low ⓘ	0.37%	Perf Half Y ⓘ	-5.77%
Flows% 1M ⓘ	-1.2%	Flows% YTD ⓘ	-8.37%	Return% SI ⓘ	3.14%	Volatility(W/M) ⓘ	0.46% 0.49%	Perf YTD ⓘ	-4.1%
SMA20 ⓘ	-0.94%	SMA50 ⓘ	-1.33%	SMA200 ⓘ	-3.88%	RSI (14) ⓘ	35.32	Beta ⓘ	0.48
IPO ⓘ	2006/12/1	Prev Close ⓘ	$13.54	Perf Year ⓘ	-4.37%	Avg Volume ⓘ	0.13M	Price ⓘ	$13.56

📊 Invesco Financial Preferred ETF (PGF) 投资分析

ETF 概览

Invesco Financial Preferred ETF · Other Asset Types - Multi-Asset / Other

금융 섹터 — 금융 섹터 ETF (은행·보험·자산운용)

2006년 상장, 20년 운영 중.

Invesco Financial Preferred ETF는 수수료 및 비용 차감 전 기준으로 ICE Exchange-Listed Fixed Rate Financial Preferred Securities 지수의 성과를 추종하고자 합니다. 미국 국내 시장에서 금융 회사들이 발행한 상장 고정금리 우선주 및 그와 기능적으로 동일한 증권들에 자산의 최소 90%를 투자하는 비분산형(Non-diversified) 펀드입니다.

📘 PGF ETF 자세히 알아보기 →

U.S.preferred-securities

규모: $672M 약 9211억원
운용사: Invesco
운용 방식: 패시브 (지수 추종)
상장일: 2006년

费用效率

年化管理费 · 类别内排名 · 长期成本影响

费率处于平均水平 — 年化 0.55%

在Other Asset Types - Multi-Asset / Other类别中处于中等水平。

实际年化管理费 (Net Expense Ratio)

평균권

0.55%

我的位置中等

低位区均值高位区

按投资金额的实际费用模拟

$100.0M

年度管理费

$550K

相比同类平均每年节省 $140K

长期表现

1年 · 3年 · 5年 · 10年收益率 · 相对基准表现 · 抗跌能力

收益率略低于平均水平

相对Other Asset Types - Multi-Asset / Other的하위 25%。相对基准(SPY)的1年超额收益为 -15.7%p。

ℹ️ 下方 "1年·3年·5年·10年" 表示 从今天起回溯相应年限的年均复合收益率(CAGR)。例如："3年 +12%" 意味着最近3年每年以12%的复利增长。

若在 10 年前投资,如今...

$100.0M

当前资产

$121.5M

→

累计收益

+$21.5M

年化 +2.0%

ℹ️ 收益构成条形图阅读方法

各周期柱状图所显示的是该 ETF 收益来源的占比。

价格上涨价格下跌获得分红

以蓝色为主 (80%+)：成长型 — 收益大部分来自股价上涨
以橙色为主 (70%+)：收益型 — 收益大部分来自分红（注意税后税务负担）
红色 + 橙色：股价停滞/下跌型 — 以分红弥补亏损（在covered call·高股息股票中较为常见）

1 年

2025.07 ~ 2026.07

年化 +2.13%

평균권

价格 -4.37% + 分红 +6.50% = 总 +2.13%/年

年化跑输基准 15.7%p

我的位置中等

低位区均值高位区

3 年

2023.07 ~ 2026.07

年化 +4.34% 累计 +13.6%

하위 25%

价格 -1.92% + 分红 +6.26% = 总 +4.34%/年

年化跑输基准 14.7%p

我的位置后 25%

低位区均值高位区

5 年

2021.07 ~ 2026.07

年化 -1.02% 累计 -5.0%

하위 25%

价格 -6.44% + 分红 +5.42% = 总 -1.02%/年

年化跑输基准 13.9%p

我的位置后 25%

低位区均值高位区

10年

2016.07 ~ 2026.07

年化 +1.97% 累计 +21.5%

하위 25%

价格 -3.48% + 分红 +5.45% = 总 +1.97%/年

年化跑输基准 12.9%p

我的位置后 25%

低位区均值高位区

10年累计总收益曲线

2016-07-28 起始以1亿韩元为基准 — 曲线数值直接按亿韩元解读（例如：308 → 3.08亿）。该ETF与基准均以同一起始日归一化至100进行对比。

PGF · 仅股价 PGF · 股价 + 累计分红 PGF · 红利再投资 S&P 500 (SPY)

150

250

350

450

ℹ️ 仅股价: 不含分红，仅追踪纯股价。对于备兑认购（Covered Call）或高股息 ETF,该线常出现下跌或停滞,从“本金保全”角度具有参考意义。股价 + 累计分红: 持股数量保持不变,所获分红以现金形式累积,接近账户实际体感总资产。红利再投资: 收到分红后立即按 adjClose 再买入(行业标准的总收益口径)。三条线之间的差距越大,越容易判断红利策略的实际效果。

年度收益率对比

按自然年度对比 ETF 与 S&P 500 (SPY) 的各年收益率

PGF S&P 500 (SPY)

+40%

−40%

+10%

2017

-2%

2018

+13%

2019

+7%

2020

+3%

2021

-19%

2022

+7%

2023

+6%

2024

+2%

2025

-3%

2026 YTD

ℹ️ 显示每年 1 月 1 日至 12 月 31 日的收益率。当年(2026)列透明度降低，表示为 YTD(年内至今、未完成)。若蓝色高于灰色，则表示该年度本 ETF 跑赢了基准。

相对 S&P 500 (SPY) 的胜率

1 / 9年

落后于基准 (11%)

+ 2026 YTD：落后 (-2.8% vs 8.5%)

2017 ✗

2018 ✓

2019 ✗

2020 ✗

2021 ✗

2022 ✗

2023 ✗

2024 ✗

2025 ✗

2026 ✗ YTD

ℹ️ 在完整日历年(1/1~12/31)中跑赢 S&P 500 (SPY) 的年数。当年(YTD)另行参考。

下跌捕获比 (Downside Capture)

🛡️ 30%

下跌行情中跌幅小于基准——防御能力出色

<85% (防御) 85~110% (同步) >110% (脆弱)

ℹ️ 当 S&P 500 (SPY) 下跌 1% 时,该 ETF 平均下跌多少 %。基于过去 3 年的日收益率(仅统计基准为负的日子)。

风险特征

波动率 · Beta · 最大回撤 · Sharpe · 下跌后恢复历史

综合风险等级

低风险

波动小于市场平均水平，长期持有压力较小。

Beta（市场敏感度）

평균권

0.48

市场上涨 10% 时 +4.8%

市场下跌 10% 时 -4.8%

我的位置中等

低位区均值高位区

ℹ️ Beta 为 1.0 表示与市场同向同幅波动；大于 1 表示波动大于市场，小于 1 则波动小于市场。

日均波动幅度（最近 1 个月）

상위 25%

±0.49%

标普 500 约 ±1.0~1.3% · 债券型 ±0.3% · 杠杆 ETF ±3% 以上

年化波动率走势 (过去 10 年)

ℹ️ 该 ETF 的日均价格波动幅度。1% 意味着"平均每天波动约 ±1%"。下方滚动曲线为年化波动率（长期标准指标）随时间的变化走势。

最大回撤 (Max Drawdown) · 过去 10 年

-28.9%

回撤持续期: 1 个月

2020-02-10 → 2020-03-18

约 4 个月回本

2015-07-31 最大 -22% 2026-07-01

ℹ️ 最大回撤是指从历史高点到低点跌幅最大的比率，代表长期投资者在心理上需承受的最差下跌幅度。

夏普比率（风险调整收益）

-0.02

不佳 — 收益低于无风险利率

ℹ️ 用年化收益率减去无风险收益率（年化 3%）后，再除以年化波动率。一般认为高于 1.0 即代表“风险回报比良好”。

月度最大预期亏损 (VaR 95%)

-4.2%

按历史数据计算，月度跌幅超过此数值的概率仅为5%。

ℹ️ 统计学上的估计，意为“未来有 95% 的概率，单月亏损不会超过此幅度”。剩余的 5% 通常对应金融危机、疫情级别的极端冲击。

分红分析

派息率 · 派息历史 · 税后到账金额计算

派息型 ETF —— 年化 6.44%

提供稳定股息收益的 ETF。5 年股息增长率 -1.1%。

배당수익률

6.44%

주당 배당

$0.87

연간 기준

5년 성장률

-1.1%

지급 주기

불규칙

1월 · 2월 · 3월 · 4월 · 8월 · 9월 · 10월 · 11월 · 12월

📊 총 이력 2006~2026 (232건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$1.06 +0.9%

2016

$1.00 -5.6%

2017

$1.00 -0.8%

2018

$0.97 -2.6%

2019

$0.94 -2.9%

2020

$0.81 -14.2%

2021

$0.86 +6.4%

2022

$0.89 +4.1%

2023

$0.91 +1.3%

2024

$0.89 -1.7%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 232건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-04-20

$0.068

—

6.74%

2026-03-23

$0.063

—

6.81%

2026-02-23

$0.064

—

6.64%

2026-01-20

$0.082

—

6.84%

2025-12-22

$0.072

—

6.80%

2025-11-24

$0.070

—

6.33%

2025-10-20

$0.086

—

6.71%

2025-09-22

$0.077

—

6.51%

2025-08-18

$0.071

—

6.68%

2025-07-21

$0.078

—

6.83%

2025-06-23

$0.077

—

6.84%

2025-05-19

$0.070

—

6.79%

2025-04-21

$0.070

—

7.09%

2025-03-24

$0.065

—

6.19%

2025-02-24

$0.070

—

6.23%

2025-01-21

$0.086

—

6.70%

2024-12-23

$0.071

—

6.23%

2024-11-18

$0.071

—

6.79%

2024-10-21

$0.087

—

6.65%

2024-09-23

$0.073

—

5.97%

2024-08-19

$0.071

—

6.68%

2024-07-22

$0.077

—

6.71%

2024-06-24

$0.073

—

6.27%

2024-05-20

$0.070

—

6.74%

2024-04-22

$0.090

—

6.86%

2024-03-18

$0.077

—

6.46%

2024-02-20

$0.069

—

6.47%

2024-01-22

$0.078

—

6.56%

2023-12-18

$0.094

—

6.67%

2023-11-20

$0.096

—

6.69%

2023-10-23

$0.074

—

6.98%

2023-09-18

$0.070

—

6.43%

2023-08-21

$0.068

—

6.59%

2023-07-24

$0.068

—

5.92%

2023-06-20

$0.070

—

6.49%

2023-05-22

$0.071

—

6.51%

2023-04-24

$0.071

—

5.76%

2023-03-20

$0.071

—

6.65%

2023-02-21

$0.071

—

6.10%

2023-01-23

$0.071

—

5.86%

2022-12-19

$0.073

—

6.18%

2022-11-21

$0.072

—

6.20%

2022-10-24

$0.071

—

6.04%

2022-09-19

$0.071

—

5.62%

2022-08-22

$0.071

—

5.40%

2022-07-18

$0.072

—

5.45%

2022-06-21

$0.072

—

5.69%

2022-05-23

$0.071

—

5.72%

2022-04-18

$0.071

—

5.43%

2022-03-21

$0.072

—

5.23%

2022-02-22

$0.072

—

5.16%

2022-01-24

$0.072

—

4.40%

2021-12-20

$0.071

—

4.79%

2021-11-22

$0.071

—

4.84%

2021-10-18

$0.071

—

4.75%

2021-08-23

$0.072

—

5.15%

2021-07-19

$0.073

—

5.16%

2021-06-21

$0.074

—

5.15%

2021-05-24

$0.076

—

4.82%

2021-04-19

$0.076

—

5.26%

2021-03-22

$0.074

—

5.37%

2021-02-22

$0.074

—

5.47%

2021-01-19

$0.076

—

5.38%

2020-12-21

$0.078

—

5.30%

2020-11-23

$0.077

—

4.93%

2020-10-19

$0.076

—

5.41%

2020-09-21

$0.077

—

5.46%

2020-08-24

$0.076

—

4.98%

2020-07-20

$0.076

—

5.62%

2020-06-22

$0.077

—

5.69%

2020-05-18

$0.080

—

5.83%

2020-04-20

$0.081

—

5.85%

2020-03-23

$0.083

—

6.90%

2020-02-24

$0.081

—

5.11%

2020-01-21

$0.080

—

5.54%

2019-12-23

$0.077

—

5.64%

2019-11-18

$0.077

—

5.74%

2019-10-21

$0.075

—

5.71%

2019-09-23

$0.077

—

5.74%

2019-08-19

$0.081

—

5.77%

2019-07-22

$0.078

—

5.80%

2019-06-24

$0.077

—

5.42%

2019-05-20

$0.082

—

5.97%

2019-04-22

$0.085

—

5.96%

2019-03-18

$0.088

—

5.97%

2019-02-19

$0.090

—

6.00%

2019-01-22

$0.083

—

6.09%

2018-12-24

$0.093

—

5.84%

2018-11-19

$0.084

—

6.11%

2018-10-22

$0.080

—

6.02%

2018-09-24

$0.080

—

5.47%

2018-08-20

$0.080

—

5.44%

2018-07-23

$0.082

—

5.46%

2018-06-18

$0.080

—

5.46%

2018-05-21

$0.084

—

5.55%

2018-04-23

$0.085

—

5.49%

2018-03-19

$0.088

—

5.40%

2018-02-20

$0.080

—

5.44%

2018-01-22

$0.080

—

5.39%

2017-12-18

$0.088

—

5.31%

2017-11-20

$0.084

—

5.33%

2017-10-23

$0.084

—

5.35%

2017-09-18

$0.085

—

5.35%

2017-08-15

$0.084

—

5.80%

2017-07-14

$0.084

—

5.79%

2017-06-15

$0.084

—

5.82%

2017-05-15

$0.083

—

5.38%

2017-04-13

$0.081

—

5.98%

2017-03-15

$0.080

—

6.15%

2017-02-15

$0.083

—

5.69%

2017-01-13

$0.084

—

6.26%

2016-12-15

$0.097

—

5.99%

2016-11-15

$0.084

—

5.85%

2016-10-14

$0.084

—

6.15%

2016-09-15

$0.084

—

5.63%

2016-08-15

$0.085

—

5.53%

2016-07-15

$0.088

—

5.56%

2016-06-15

$0.087

—

5.66%

2016-05-13

$0.093

—

6.16%

2016-04-15

$0.093

—

5.73%

2016-03-15

$0.091

—

5.75%

2016-02-12

$0.088

—

6.48%

2016-01-15

$0.090

—

6.17%

2015-12-15

$0.093

—

6.27%

2015-11-13

$0.088

—

6.14%

2015-10-15

$0.088

—

6.20%

2015-09-15

$0.085

—

6.29%

2015-08-14

$0.087

—

6.25%

2015-07-15

$0.088

—

6.31%

2015-06-15

$0.089

—

5.84%

2015-05-15

$0.090

—

6.29%

2015-04-15

$0.086

—

6.21%

2015-03-13

$0.086

—

6.32%

2015-02-13

$0.087

—

6.31%

2015-01-15

$0.087

—

6.40%

2014-12-15

$0.088

—

6.00%

2014-11-14

$0.090

—

6.46%

2014-10-15

$0.090

—

6.57%

2014-09-15

$0.090

—

6.10%

2014-08-15

$0.090

—

6.56%

2014-07-15

$0.090

—

6.56%

2014-06-13

$0.090

—

6.61%

2014-05-15

$0.090

—

6.62%

2014-04-15

$0.090

—

6.73%

2014-03-14

$0.091

—

6.83%

2014-02-14

$0.091

—

6.93%

2014-01-15

$0.091

—

7.04%

2013-12-13

$0.095

—

7.31%

2013-11-15

$0.091

—

7.27%

2013-10-15

$0.090

—

7.34%

2013-09-13

$0.096

—

7.31%

2013-08-15

$0.092

—

7.27%

2013-07-15

$0.093

—

6.45%

2013-06-14

$0.092

—

6.94%

2013-05-15

$0.092

—

6.71%

2013-04-15

$0.095

—

6.25%

2013-03-15

$0.097

—

6.78%

2013-02-15

$0.095

—

6.27%

2013-01-15

$0.095

—

6.25%

2012-12-14

$0.116

—

7.22%

2012-11-15

$0.099

—

6.63%

2012-10-15

$0.091

—

6.44%

2012-09-14

$0.090

—

6.99%

2012-08-15

$0.090

—

6.58%

2012-07-13

$0.096

—

7.17%

2012-06-15

$0.096

—

6.83%

2012-05-15

$0.095

—

6.91%

2012-04-13

$0.096

—

7.41%

2012-03-15

$0.096

—

6.82%

2012-02-15

$0.097

—

7.56%

2012-01-13

$0.099

—

7.88%

2011-12-15

$0.154

—

8.46%

2011-11-15

$0.094

—

7.92%

2011-10-14

$0.095

—

8.17%

2011-09-15

$0.095

—

8.05%

2011-08-15

$0.097

—

7.33%

2011-07-15

$0.097

—

7.58%

2011-06-15

$0.100

—

7.60%

2011-05-13

$0.098

—

7.36%

2011-04-15

$0.098

—

7.47%

2011-03-15

$0.105

—

7.59%

2011-02-15

$0.098

—

7.04%

2011-01-14

$0.099

—

7.65%

2010-12-15

$0.142

—

8.22%

2010-11-15

$0.105

—

7.20%

2010-10-15

$0.106

—

7.76%

2010-09-15

$0.106

—

7.78%

2010-08-13

$0.103

—

8.03%

2010-07-15

$0.095

—

8.49%

2010-06-15

$0.099

—

8.78%

2010-05-14

$0.097

—

8.91%

2010-04-15

$0.099

—

8.46%

2010-03-15

$0.107

—

7.91%

2010-02-12

$0.097

—

9.19%

2010-01-15

$0.093

—

8.93%

2009-12-15

$0.187

—

9.89%

2009-11-13

$0.095

—

9.73%

2009-10-15

$0.112

—

9.64%

2009-09-15

$0.120

—

9.99%

2009-08-14

$0.112

—

9.47%

2009-07-15

$0.112

—

10.53%

2009-06-15

$0.110

—

9.99%

2009-05-15

$0.112

—

12.65%

2009-04-15

$0.114

—

14.51%

2009-03-13

$0.122

—

20.12%

2009-02-13

$0.118

—

16.47%

2009-01-15

$0.116

—

11.51%

2008-12-15

$0.154

—

13.05%

2008-11-14

$0.127

—

12.71%

2008-10-15

$0.108

—

11.27%

2008-09-15

$0.127

—

10.04%

2008-08-15

$0.127

—

7.96%

2008-07-15

$0.124

—

9.69%

2008-06-13

$0.121

—

7.85%

2008-05-15

$0.120

—

6.82%

2008-04-15

$0.124

—

6.92%

2008-03-14

$0.124

—

7.31%

2008-02-15

$0.124

—

6.89%

2008-01-15

$0.125

—

6.37%

2007-12-14

$0.189

—

7.76%

2007-11-15

$0.114

—

6.79%

2007-10-15

$0.087

—

5.68%

2007-09-14

$0.115

—

5.31%

2007-08-15

$0.113

—

4.82%

2007-07-13

$0.113

—

4.06%

2007-06-15

$0.113

—

3.56%

2007-05-15

$0.115

—

3.01%

2007-04-13

$0.112

—

2.55%

2007-03-15

$0.110

—

2.08%

2007-02-15

$0.113

—

1.64%

2007-01-12

$0.113

—

1.19%

2006-12-15

$0.186

—

0.75%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 $100K 투자한다면

연간 배당금 (세후) $5K

5년 누적 (세후) $27K

* 환율 1,370 가정, 배당소득세 15.4% 반영. 5년 누적은 배당 성장률 연 -1.08% 가정.

* 배당소득세 14% + 지방소득세 1.4% 기준. 종합과세 대상자는 달라질 수 있습니다.

综合投资吸引力

该 ETF 适合哪些用途——优势、劣势与适配的投资者画像

优势与不足并存 请结合下方的适配度,判断是否符合您的投资目标。

🎯 목적별 적합도

내가 이 ETF를 어떤 목적으로 활용할 수 있는지 확인하세요.

🌳

장기 보유

수년 이상 꾸준히 모아갈 때

보통

💵

배당 인컴

매월·분기 현금흐름이 목적일 때

낮음

⚡

단기 트레이딩

며칠~몇 주 단기 방향성 매매

매우 낮음

🧩

포트폴리오 보조

자산 배분·헤지 용도

낮음

👤

이런 분에게 어울려요

长期持有·定投型投资者

✅ 강점

🛡️波动率较低

⚠️ 약점·주의사항

📈长期收益率低于平均水平
🎯年化跑输基准-13.9%p

组合构成

该 ETF 实际持有的成份——行业权重与重仓股

102개 종목에 넓게 분산

개별 종목 리스크가 분산되어 있어요.

ℹ️ 왜 구성을 봐야 하나요?

ETF의 실제 성과는 담고 있는 종목과 섹터에서 나와요. 이름이 "S&P 500"이라도 기술주 비중이 유난히 높을 수 있고, "배당주 ETF"라도 몇몇 대형주에 쏠려 있을 수 있어요. 라벨보다 실제 구성을 확인하는 게 중요해요.

🔬 집중도 한눈에 보기

총 보유종목

102개

상위 10개 비중

21.0%

최대 단일 종목

2.76%

집중도(HHI)

128

낮음 (분산)

🥧 섹터 비중

Financial

76.8%

📋 상위 보유 종목 Top 10 Top 10이 전체의 21.0% 차지

티커 옆의 점 색상 = 섹터 구분 (섹터 차트와 동일 색상)

#1 JPM JPMorgan Chase & Co.

2.76%

#2 JPM JPMorgan Chase & Co.

2.48%

#3 WFC Wells Fargo & Co.

2.26%

#4 JPM JPMorgan Chase & Co.

2.13%

#5 JPM JPMorgan Chase & Co.

2.13%

#6 BAC Bank of America Corp.

2.01%

#7 ALL Allstate Corp. (The)

1.86%

#8 COF Capital One Financial Corp.

1.83%

#9 BAC Bank of America Corp.

1.80%

#10 JPM JPMorgan Chase & Co.

1.70%

常见问题

PGF 是什么 ETF？

PGF 是一只 Other Asset Types - Multi-Asset / Other 类 ETF，由 Invesco 运营。

PGF投资了多少只成分股？

PGF共持有 103 只成分股，AUM 约为 $672M。

PGF是否支付分红（分配）？

PGF的分红收益率约为 6.44%。

PGF 的 52 周最高价和最低价是多少？

PGF 过去 52 周最高 $15.00，最低 $13.51。

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.