{"id":118208,"date":"2021-11-16T17:06:33","date_gmt":"2021-11-16T09:06:33","guid":{"rendered":"https:\/\/\/?p=118208"},"modified":"2022-02-07T16:51:54","modified_gmt":"2022-02-07T08:51:54","slug":"%e6%8c%87%e6%95%b8%e5%9f%ba%e9%87%91","status":"publish","type":"post","link":"https:\/\/\/%e6%8c%87%e6%95%b8%e5%9f%ba%e9%87%91\/","title":{"rendered":"\u60f3\u8981\u8f15\u9b06\u8d85\u8d8a\u5927\u76e4\uff1f\u4e86\u89e3\u6307\u6578\u57fa\u91d1\u5982\u4f55\u5e6b\u52a9\u4f60\u9054\u6210\uff01"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=/index.html"https:\/\/\/wp-content\/uploads\/2021\/11\/image-15.jpeg\" alt=\"\" class=\"wp-image-118209\" title=\"\"><figcaption><\/figcaption><\/figure>\n\n\n\n<p>\u6307\u6578\u57fa\u91d1\u662f\u4e00\u7a2e\u5171\u540c\u57fa\u91d1\u6216\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1(ETF)\uff0c\u5176\u6295\u8cc7\u7d44\u5408\u65e8\u5728\u5339\u914d\u6216\u8ddf\u8e2a\u91d1\u878d\u5e02\u5834\u6307\u6578\u7684\u7d44\u6210\u90e8\u5206\uff0c\u4f8b\u5982\u6a19\u6e96\u666e\u723e 500 \u6307\u6578(S&amp;P 500)\u3002\u64da\u8aaa\u6307\u6578\u5171\u540c\u57fa\u91d1\u63d0\u4f9b\u5ee3\u6cdb\u7684\u5e02\u5834\u655e\u53e3\u3001\u4f4e\u904b\u71df\u8cbb\u7528\u548c\u4f4e\u6295\u8cc7\u7d44\u5408\u5468\u8f49\u7387\u3002\u7121\u8ad6\u5e02\u5834\u72c0\u6cc1\u5982\u4f55\uff0c\u9019\u4e9b\u57fa\u91d1\u90fd\u9075\u5faa\u5176\u57fa\u6e96\u6307\u6578\u3002&nbsp;<\/p>\n\n\n\n<p>\u63a8\u85a6\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/%e6%8a%95%e8%b3%87%e7%b5%84%e5%90%88\/\">\u60f3\u8981\u6709\u6297\u98a8\u96aa\u6027\u7684\u6295\u8cc7\u65b9\u5f0f\uff1f3\u5206\u9418\u641e\u61c2\u6295\u8cc7\u7d44\u5408\u662f\u4ec0\u9ebc\uff01<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6307\u6578\u57fa\u91d1\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6307\u6578\u57fa\u91d1\u7684\u5e38\u898b\u6982\u5ff5<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6307\u6578\u57fa\u91d1\u901a\u5e38\u88ab\u8a8d\u70ba\u662f\u7406\u60f3\u7684\u9000\u4f11\u8cec\u6236\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\uff0c\u4f8b\u5982\u500b\u4eba\u9000\u4f11\u8cec\u6236 (IRA) \u548c 401(k) \u8cec\u6236\u3002\u50b3\u5947\u6295\u8cc7\u8005\u6c83\u502b\u5df4\u83f2\u7279\u63a8\u85a6\u6307\u6578\u57fa\u91d1\u4f5c\u70ba\u665a\u5e74\u5132\u84c4\u7684\u907f\u98a8\u6e2f\u3002\u4ed6\u8868\u793a\uff0c\u8207\u5176\u6311\u9078\u500b\u80a1\u9032\u884c\u6295\u8cc7\uff0c\u4e0d\u5982\u8b93\u666e\u901a\u6295\u8cc7\u8005\u4ee5\u6307\u6578\u57fa\u91d1\u63d0\u4f9b\u7684\u4f4e\u6210\u672c\u8cfc\u8cb7\u6240\u6709\u6a19\u6e96\u666e\u723e 500 \u6307\u6578\u516c\u53f8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6307\u6578\u57fa\u91d1\u5982\u4f55\u904b\u4f5c\uff1f<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u201c\u6307\u6578\u5316\u201d\u662f\u4e00\u7a2e\u88ab\u52d5\u7684\u8cc7\u91d1\u7ba1\u7406\u5f62\u5f0f\u3002\u4e0d\u662f\u57fa\u91d1\u6295\u8cc7\u7d44\u5408\u7d93\u7406\u7a4d\u6975\u6311\u9078\u80a1\u7968\u2014\u2014\u610f\u5373\u4e0d\u662f\u4e3b\u52d5\u9078\u64c7\u8981\u6295\u8cc7\u7684\u8b49\u5238\u4e26\u88fd\u5b9a\u4f55\u6642\u8cb7\u8ce3\u5b83\u5011\u7684\u7b56\u7565\uff08\u57fa\u91d1\u7d93\u7406\u5efa\u7acb\u4e00\u500b\u6295\u8cc7\u7d44\u5408\uff0c\u5176\u6301\u6709\u91cf\u53cd\u6620\u7279\u5b9a\u6307\u6578\u7684\u8b49\u5238\u3002\uff09<\/p>\n\n\n\n<p>\u5e7e\u4e4e\u6240\u6709\u73fe\u6709\u7684\u91d1\u878d\u5e02\u5834\u90fd\u6709\u81f3\u5c11\u4e00\u500b\u6307\u6578\u548c\u4e00\u500b\u6307\u6578\u57fa\u91d1\u3002\u5728\u7f8e\u570b\uff0c\u6700\u53d7\u6b61\u8fce\u7684\u6307\u6578\u57fa\u91d1\u8ddf\u8e2a\u6a19\u6e96\u666e\u723e 500 \u6307\u6578\u3002\u4f46\u5176\u4ed6\u5e7e\u500b\u6307\u6578\u4e5f\u88ab\u5ee3\u6cdb\u4f7f\u7528\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul><li>\u7f85\u7d20 2000\uff0c\u7531\u5c0f\u578b\u516c\u53f8\u80a1\u7968\u7d44\u6210<\/li><li>Wilshire 5000 Total Market Index\uff0c\u7f8e\u570b\u6700\u5927\u7684\u80a1\u7968\u6307\u6578<\/li><li>MSCI EAFE\uff0c\u7531\u4f86\u81ea\u6b50\u6d32\u3001\u6fb3\u5927\u62c9\u897f\u4e9e\u548c\u9060\u6771\u7684\u5916\u570b\u80a1\u7968\u7d44\u6210<\/li><li>\u5f6d\u535a\u5df4\u514b\u840a\u7f8e\u570b\u7d9c\u5408\u50b5\u5238\u6307\u6578\uff0c\u8ddf\u8e2a\u6574\u500b\u50b5\u5238\u5e02\u5834<\/li><li>\u7d0d\u65af\u9054\u514b\u7d9c\u5408\u6307\u6578\uff0c\u7531\u5728\u7d0d\u65af\u9054\u514b\u4ea4\u6613\u6240\u4e0a\u5e02\u7684 3,000 \u96bb\u80a1\u7968\u7d44\u6210<\/li><li>\u9053\u74ca\u65af\u5de5\u696d\u5e73\u5747\u6307\u6578 (DJIA)\uff0c\u7531 30 \u5bb6\u5927\u578b\u516c\u53f8\u7d44\u6210<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=/index.html"https:\/\/\/wp-content\/uploads\/2021\/11\/image-16-1024x730.jpeg\" alt=\"\u6307\u6578\u57fa\u91d1\u5982\u4f55\u904b\u4f5c\uff1f\" class=\"wp-image-118210\" title=\"\"><figcaption><\/figcaption><\/figure>\n\n\n\n<p>\u800c\u53f0\u7063\u6700\u77e5\u540d\u7684\u6307\u6578\u578b\u57fa\u91d1\u5247\u662f\u5143\u59270050\uff0c\u8ffd\u8e64\u7684\u6307\u6578\u662f\u53f0\u706350\u6307\u6578\uff0c0050\u53ef\u4ee5\u7c21\u55ae\u7406\u89e3\u6210\uff1a\u4e00\u6b21\u8cb7\u9032\u53f0\u7063\u6700\u5927\u768450\u6a94\u80a1\u7968\uff0c\u5305\u542b\u53f0\u7a4d\u96fb\u3001\u9d3b\u6d77\u3001\u806f\u767c\u79d1\u3001\u53f0\u9054\u96fb\u3001\u5bcc\u90a6\u91d1\u7b49\u7b49\u53f0\u7063\u91cd\u8981\u7684\u4f01\u696d\u3002<\/p>\n\n\n\n<p>\u63a8\u85a6\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/%e6%9c%80%e8%b2%b4%e7%9a%84%e8%82%a1%e7%a5%a8\/\">\u5168\u4e16\u754c\u6700\u8cb4\u7684\u80a1\u7968\u6709\u591a\u8cb4\uff1f\u53f0\u7063\u6700\u8cb4\u7684\u80a1\u7968\u53c8\u662f\u8ab0\uff1f<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6307\u6578\u57fa\u91d1\u7684\u6295\u8cc7\u7d44\u5408\u53ea\u6709\u5728\u5176\u57fa\u6e96\u6307\u6578\u767c\u751f\u8b8a\u5316\u6642\u624d\u6703\u767c\u751f\u5be6\u8cea\u6027\u8b8a\u5316\u3002\u5982\u679c\u57fa\u91d1\u9075\u5faa\u52a0\u6b0a\u6307\u6578\uff0c\u5176\u7d93\u7406\u53ef\u80fd\u6703\u5b9a\u671f\u91cd\u65b0\u5e73\u8861\u4e0d\u540c\u8b49\u5238\u7684\u767e\u5206\u6bd4\uff0c\u4ee5\u53cd\u6620\u5b83\u5011\u5728\u57fa\u6e96\u4e2d\u7684\u6b0a\u91cd\u3002\u52a0\u6b0a\u662f\u4e00\u7a2e\u7528\u65bc\u5e73\u8861\u6307\u6578\u6216\u6295\u8cc7\u7d44\u5408\u4e2d\u4efb\u4f55\u55ae\u4e00\u6301\u80a1\u7684\u5f71\u97ff\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6307\u6578\u57fa\u91d1\u8207\u4e3b\u52d5\u7ba1\u7406\u57fa\u91d1<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6295\u8cc7\u6307\u6578\u57fa\u91d1\u662f\u4e00\u7a2e\u88ab\u52d5\u6295\u8cc7\u5f62\u5f0f\u3002\u76f8\u53cd\u7684\u7b56\u7565\u662f\u7a4d\u6975\u6295\u8cc7\uff0c\u6b63\u5982\u5728\u7a4d\u6975\u7ba1\u7406\u7684\u5171\u540c\u57fa\u91d1\u4e2d\u6240\u5be6\u73fe\u7684\u90a3\u6a23 &#8211; \u5177\u6709\u4e0a\u8ff0\u8b49\u5238\u9078\u64c7\u3001\u5e02\u5834\u6642\u6a5f\u6295\u8cc7\u7d44\u5408\u7d93\u7406\u7684\u57fa\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=/index.html"https:\/\/\/wp-content\/uploads\/2021\/11\/image-17-1024x683.jpeg\" alt=\"\u6307\u6578\u57fa\u91d1\u8207\u4e3b\u52d5\u7ba1\u7406\u57fa\u91d1\" class=\"wp-image-118211\" title=\"\"><figcaption><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u964d\u4f4e\u6210\u672c<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6307\u6578\u57fa\u91d1\u76f8\u5c0d\u65bc\u7a4d\u6975\u7ba1\u7406\u7684\u540c\u985e\u57fa\u91d1\u7684\u4e3b\u8981\u512a\u52e2\u4e4b\u4e00\u662f\u8f03\u4f4e\u7684\u7ba1\u7406\u8cbb\u7528\u6bd4\u7387\u3002\u57fa\u91d1\u7684\u8cbb\u7528\u6bd4\u7387\uff08\u4e5f\u7a31\u70ba\u7ba1\u7406\u8cbb\u7528\u6bd4\u7387\uff09\u5305\u62ec\u6240\u6709\u904b\u71df\u8cbb\u7528\uff0c\u4f8b\u5982\u652f\u4ed8\u7d66\u9867\u554f\u548c\u7d93\u7406\u7684\u8cbb\u7528\u3001\u4ea4\u6613\u8cbb\u7528\u3001\u7a05\u6536\u548c\u6703\u8a08\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u6307\u6578\u57fa\u91d1\u7d93\u7406\u53ea\u662f\u7c21\u55ae\u5730\u8907\u5236\u57fa\u6e96\u6307\u6578\u7684\u8868\u73fe\uff0c\u56e0\u6b64\u4ed6\u5011\u4e0d\u9700\u8981\u7814\u7a76\u5206\u6790\u5e2b\u548c\u5176\u4ed6\u5354\u52a9\u9078\u80a1\u904e\u7a0b\u7684\u670d\u52d9\u3002\u6307\u6578\u57fa\u91d1\u7d93\u7406\u8f03\u5c11\u4ea4\u6613\u6301\u80a1\uff0c\u7522\u751f\u8f03\u5c11\u7684\u4ea4\u6613\u8cbb\u7528\u548c\u4f63\u91d1\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u4e3b\u52d5\u7ba1\u7406\u578b\u57fa\u91d1\u7684\u54e1\u5de5\u4eba\u6578\u8f03\u591a\uff0c\u4ea4\u6613\u6b21\u6578\u8f03\u591a\uff0c\u5f9e\u800c\u63a8\u9ad8\u4e86\u7d93\u71df\u6210\u672c\u3002<\/p>\n\n\n\n<p>\u57fa\u91d1\u7ba1\u7406\u7684\u984d\u5916\u6210\u672c\u53cd\u6620\u5728\u57fa\u91d1\u7684\u8cbb\u7528\u7387\u4e2d\uff0c\u4e26\u8f49\u5ac1\u7d66\u6295\u8cc7\u8005\u3002\u56e0\u6b64\uff0c\u5ec9\u50f9\u6307\u6578\u57fa\u91d1\u7684\u6210\u672c\u901a\u5e38\u4e0d\u5230 1%\u2014\u2014\u901a\u5e38\u70ba 0.2%-0.5%\uff0c\u4e00\u4e9b\u516c\u53f8\u63d0\u4f9b\u7684\u8cbb\u7528\u7387\u751a\u81f3\u66f4\u4f4e\uff0c\u70ba 0.05% \u6216\u66f4\u4f4e\u2014\u2014\u8207\u4e3b\u52d5\u7ba1\u7406\u7684\u57fa\u91d1\u8981\u6c42\u7684\u66f4\u9ad8\u7684\u8cbb\u7528\u76f8\u6bd4\uff0c\u901a\u5e38\u70ba 1%\u5230 2.5%\u3002<\/p>\n\n\n\n<p>\u8cbb\u7528\u6bd4\u7387\u76f4\u63a5\u5f71\u97ff\u57fa\u91d1\u7684\u6574\u9ad4\u8868\u73fe\u3002\u7a4d\u6975\u7ba1\u7406\u7684\u57fa\u91d1\u901a\u5e38\u5177\u6709\u8f03\u9ad8\u7684\u8cbb\u7528\u7387\uff0c\u81ea\u52d5\u8655\u65bc\u6307\u6578\u57fa\u91d1\u7684\u52a3\u52e2\uff0c\u4e26\u4e14\u96e3\u4ee5\u5728\u6574\u9ad4\u56de\u5831\u65b9\u9762\u8ddf\u4e0a\u5176\u57fa\u6e96\u3002<\/p>\n\n\n\n<p>\u63a8\u85a6\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/%e4%bd%8e%e5%88%a9%e7%8e%87%e6%99%82%e4%bb%a3\/\">\u53f0\u7063\u4f4e\u5229\u7387\u6642\u4ee3\u8a72\u5982\u4f55\u61c9\u5c0d ?\u9019 1 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href=/index.html"https:\/\/\/%e7%9c%8b%e6%87%82adr%e6%98%af%e4%bb%80%e9%ba%bc\/\">\u641e\u61c2\u53f0\u7a4d\u96fbADR\u5c31\u80fd\u6bcf\u5929\u8cfa\u9322\uff1f\u5feb\u901f\u770b\u61c2ADR\u662f\u4ec0\u9ebc\u3001\u5982\u4f55\u7372\u5229\uff01<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uff0a\u672c\u7bc7\u6587\u7ae0\u4e0d\u69cb\u6210\u4efb\u4f55\u6295\u8cc7\u5efa\u8b70\uff0c\u6295\u8cc7\u4eba\u61c9\u591a\u65b9\u5168\u9762\u8003\u91cf\u8cc7\u8a0a\uff0c\u4e26\u4e14\u5148\u81ea\u884c\u5224\u65b7\u98a8\u96aa\u627f\u53d7\u5ea6\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u7406\u8ca1\u6559\u7df4 Rich\uff0c\u5c08\u696d\u7684 RFC \u570b\u969b\u8ca1\u52d9\u898f\u5283\u5e2b<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=/index.html"https:\/\/\/rich\/\">Rich\u6559\u7df4<\/a>\u64c1\u6709\u5927\u4e2d\u83ef\u5340\u4e0d\u5230 5000 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rel=\"noopener\">Rich\u6559\u7df4\uff0dLine\u5b98\u65b9\u5e33\u865f<\/a> \uff0c\u63a5\u6536\u7b2c\u4e00\u624b\u8cc7\u8a0a\uff01<\/p>\n\n\n\n<p>\u63a8\u85a6\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/%e6%9c%80%e8%b2%b4%e7%9a%84%e8%82%a1%e7%a5%a8\/\">\u5168\u4e16\u754c\u6700\u8cb4\u7684\u80a1\u7968\u6709\u591a\u8cb4\uff1f\u53f0\u7063\u6700\u8cb4\u7684\u80a1\u7968\u53c8\u662f\u8ab0\uff1f<\/a><\/p>\n\n\n\n<p>\u63a8\u85a6\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/%e8%82%a1%e7%a5%a8%e8%b3%a0%e9%8c%a2\/\">\u6295\u8cc7\u65b0\u624b\u5fc5\u770b\uff1a\u5c0e\u81f4\u80a1\u7968\u8ce0\u9322\u76846\u5927\u5e38\u898b\u539f\u56e0\uff01\u4f60\u4e2d\u4e86\u5e7e\u500b\uff1f<\/a><\/p>\n\n\n\n<p>\u63a8\u85a6\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/%e6%8a%95%e8%b3%87%e7%b5%84%e5%90%88\/\">\u60f3\u8981\u6709\u6297\u98a8\u96aa\u6027\u7684\u6295\u8cc7\u65b9\u5f0f\uff1f3\u5206\u9418\u641e\u61c2\u6295\u8cc7\u7d44\u5408\u662f\u4ec0\u9ebc\uff01<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u76f8\u95dc\u65b0\u805e\u6458\u9304<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6307\u6578\u4fe1\u5f92\u90fd\u8a72\u77e5\u9053 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