{"id":380548,"date":"2021-05-03T15:18:43","date_gmt":"2021-05-03T22:18:43","guid":{"rendered":"https:\/\/nai500.com\/?p=380548"},"modified":"2021-05-06T11:57:46","modified_gmt":"2021-05-06T18:57:46","slug":"%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b5%84-%e5%85%a5%e9%97%a81-%e6%8a%95%e8%b5%84-%e9%80%94%e5%be%84","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2021\/05\/%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b5%84-%e5%85%a5%e9%97%a81-%e6%8a%95%e8%b5%84-%e9%80%94%e5%be%84\/","title":{"rendered":"\u5317\u7f8e\u80a1\u7968\u6295\u8d44\u5165\u95e81 \u2013 \u6295\u8d44\u9014\u5f84"},"content":{"rendered":"

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\u672c\u6587\u5171\u6709\u4e24\u4e2a\u90e8\u5206\uff0c\u5728\u6b64\u67e5\u770b\u672c\u6587\u7684\u7b2c\u4e8c\u90e8\u5206<\/strong><\/a>\u3002<\/p>\n

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\u4f60\u662f\u54ea\u79cd\u7c7b\u578b\u7684\u6295\u8d44\u8005\uff1f<\/strong><\/h2>\n

\u5728\u4f60\u6295\u5165\u8d44\u91d1\u4e4b\u524d\uff0c\u4f60\u9700\u8981\u56de\u7b54\u4e00\u4e2a\u95ee\u9898\uff0c\u6211\u662f\u54ea\u79cd\u7c7b\u578b\u7684\u6295\u8d44\u8005\uff1f\u5728\u5f00\u7acb\u7ecf\u7eaa\u8d26\u6237\u65f6\uff0c\u50cf<\/span>Charles Schwab<\/span><\/a>\u6216<\/span>Fidelity<\/span><\/a>\u8fd9\u6837\u7684\u5728\u7ebf\u7ecf\u7eaa\u4eba\u4f1a\u8be2\u95ee\u4f60\u7684\u6295\u8d44\u76ee\u6807\u4ee5\u53ca\u4f60\u613f\u610f\u627f\u62c5\u591a\u5c11\u98ce\u9669\u3002<\/span><\/p>\n

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\u5728\u7ebf\u7ecf\u7eaa\u5546<\/strong><\/h2>\n

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\u673a\u5668\u4eba\u987e\u95ee<\/strong><\/h2>\n

\u57282008\u5e74\u91d1\u878d\u5371\u673a\u4e4b\u540e\uff0c\u4e00\u4e2a\u65b0\u7684\u6295\u8d44\u987e\u95ee\u54c1\u79cd\u8bde\u751f\u4e86\uff1a<\/span>\u673a\u5668\u4eba\u987e\u95ee<\/span><\/a>\u3002<\/span>Betterment<\/span><\/a>\u7684Jon Stein\u548cEli Broverman\u901a\u5e38\u88ab\u8ba4\u4e3a\u662f\u8be5\u9886\u57df\u7684\u7b2c\u4e00\u4eba\u3002<\/span>2<\/span>\u4ed6\u4eec\u7684\u4efb\u52a1\u662f\u5229\u7528\u6280\u672f\u6765\u964d\u4f4e\u6295\u8d44\u8005\u7684\u6210\u672c\u5e76\u7b80\u5316\u6295\u8d44\u5efa\u8bae\u3002<\/span><\/p>\n

\u81eaBetterment\u63a8\u51fa\u4ee5\u6765\uff0c\u5176\u4ed6\u673a\u5668\u4eba\u5148\u884c\u7684\u516c\u53f8\u4e5f\u76f8\u7ee7\u6210\u7acb\uff0c\u751a\u81f3\u50cf\u67e5\u5c14\u65af-\u65bd\u74e6\u5e03\uff08Charles Schwab\uff09\u8fd9\u6837\u7684\u8001\u724c\u5728\u7ebf\u7ecf\u7eaa\u516c\u53f8\u4e5f\u589e\u52a0\u4e86\u7c7b\u4f3c\u673a\u5668\u4eba\u7684\u54a8\u8be2\u670d\u52a1\u3002\u6839\u636e\u67e5\u5c14\u65af-\u65bd\u74e6\u5e03\uff08Charles Schwab\uff09\u7684\u4e00\u4efd\u62a5\u544a\uff0c58%\u7684\u7f8e\u56fd\u4eba\u8bf4\u4ed6\u4eec\u5c06\u57282025\u5e74\u4e4b\u524d\u4f7f\u7528\u67d0\u79cd\u673a\u5668\u4eba\u987e\u95ee\u3002<\/span>3<\/span>\u5982\u679c\u4f60\u60f3\u8981\u4e00\u4e2a\u7b97\u6cd5\u6765\u4e3a\u4f60\u505a\u51fa\u5305\u62ec\u7a0e\u6536\u635f\u5931\u6536\u83b7\u548c\u91cd\u65b0\u5e73\u8861\u5728\u5185\u7684\u6295\u8d44\u51b3\u5b9a\uff0c\u673a\u5668\u4eba\u987e\u95ee\u53ef\u80fd\u9002\u5408\u4f60\u3002\u800c\u6b63\u5982<\/span>\u6307\u6570\u6295\u8d44<\/span><\/a>\u7684\u6210\u529f\u8868\u660e\uff0c\u5982\u679c\u4f60\u7684\u76ee\u6807\u662f\u957f\u671f\u7684\u8d22\u5bcc\u79ef\u7d2f\uff0c\u673a\u5668\u4eba\u987e\u95ee\u53ef\u80fd\u505a\u5f97\u66f4\u597d\u3002<\/span><\/p>\n

\u901a\u8fc7\u4f60\u7684\u96c7\u4e3b\u6295\u8d44<\/strong><\/h2>\n

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