{"id":423137,"date":"2022-05-05T21:27:49","date_gmt":"2022-05-06T04:27:49","guid":{"rendered":"https:\/\/nai500.com\/?p=423137"},"modified":"2022-05-06T02:56:24","modified_gmt":"2022-05-06T09:56:24","slug":"%e5%a6%82%e4%bd%95%e5%a4%9a%e6%96%b9%e9%9d%a2%e5%88%a9%e7%94%a8%e7%be%8e%e8%81%94%e5%82%a8%e8%bf%99%e4%b8%80%e8%bd%ae%e5%8d%87%e6%81%af%e5%b8%a6%e6%9d%a5%e7%9a%84%e6%9c%ba%e4%bc%9a","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2022\/05\/%e5%a6%82%e4%bd%95%e5%a4%9a%e6%96%b9%e9%9d%a2%e5%88%a9%e7%94%a8%e7%be%8e%e8%81%94%e5%82%a8%e8%bf%99%e4%b8%80%e8%bd%ae%e5%8d%87%e6%81%af%e5%b8%a6%e6%9d%a5%e7%9a%84%e6%9c%ba%e4%bc%9a\/","title":{"rendered":"\u5982\u4f55\u591a\u65b9\u9762\u5229\u7528\u7f8e\u8054\u50a8\u8fd9\u4e00\u8f6e\u5347\u606f\u5e26\u6765\u7684\u673a\u4f1a"},"content":{"rendered":"

\u4e3a\u4e86\u904f\u5236\u9ad8\u901a\u80c0\uff0c\u7f8e\u8054\u50a8\u5468\u4e09\u5c06\u5173\u952e\u7684\u77ed\u671f\u5229\u7387\u63d0\u9ad8\u4e86\u534a\u4e2a\u767e\u5206\u70b9–\u8fd9\u662f22\u5e74\u6765\u7b2c\u4e00\u6b21\u5982\u6b64\u5927\u89c4\u6a21\u7684\u52a0\u606f\u3002<\/p>\n

\u867d\u7136\u7f8e\u56fd\u7ecf\u6d4e\u4ecd\u5728\u76f8\u5f53\u4f4e\u7684\u5229\u7387\u73af\u5883\u4e2d\u8fd0\u884c\uff0c\u4f46\u8fd9\u4e0d\u4f1a\u6301\u7eed\u592a\u4e45\u3002\u9884\u8ba1\u5c06\u5728\u672a\u6765\u51e0\u4e2a\u6708\u5185\u518d\u52a0\u606f\u51e0\u6b21\uff0c\u4f46\u52a0\u606f\u5e45\u5ea6\u8fd8\u4e0d\u6e05\u695a\u3002<\/p>\n

Bankrate.com\u7684\u9996\u5e2d\u91d1\u878d\u5206\u6790\u5e08Greg McBride\u8bf4\uff1a\u201c\u901a\u8d27\u81a8\u80c0\u662f\u8f66\u8f6e\u4e0a\u7684\u67a2\u7ebd\uff0c\u5c06\u51b3\u5b9a\u7f8e\u8054\u50a8\u9700\u8981\u52a0\u606f\u7684\u7a0b\u5ea6\u548c\u9891\u7387\u201d\u3002<\/p>\n

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\u63d0\u9ad8\u5229\u7387\u4ee5\u6291\u5236\u901a\u8d27\u81a8\u80c0\u5c06\u4f7f\u501f\u8d37\u6210\u672c\u66f4\u9ad8\uff0c\u5e76\u4e14\u8fd8\u53ef\u80fd\u5bfc\u81f4\u7ecf\u6d4e\u8870\u9000\u3002\u4f46\u662f\uff0c\u6709\u51e0\u79cd\u65b9\u6cd5\u53ef\u4ee5\u4f7f\u4f60\u7684\u8d44\u91d1\u5b9a\u4f4d\uff0c\u4ee5\u4fbf\u4f60\u80fd\u4ece\u5229\u7387\u4e0a\u5347\u7684\u73af\u5883\u4e2d\u53d7\u76ca\uff0c\u540c\u65f6\u4e5f\u80fd\u4fdd\u62a4\u81ea\u5df1\u514d\u53d7\u4e0d\u5229\u5f71\u54cd\u3002<\/p>\n

\u4fe1\u7528\u5361\uff1a\u5c3d\u91cf\u51cf\u5c11\u635f\u5931<\/h2>\n

\u5f53\u8054\u90a6\u57fa\u91d1\u5229\u7387\uff08\u4e5f\u88ab\u79f0\u4e3a\u94f6\u884c\u9694\u591c\u8d37\u6b3e\u5229\u7387\uff09\u4e0a\u5347\u65f6\uff0c\u5c06\u63a8\u9ad8\u94f6\u884c\u5411\u5176\u5ba2\u6237\u63d0\u4f9b\u7684\u5404\u79cd\u8d37\u6b3e\u5229\u7387\u3002McBride\u8bf4\uff1a\u56e0\u6b64\uff0c\u4f60\u53ef\u4ee5\u9884\u671f\u5728\u51e0\u4efd\u62a5\u8868\u4e2d\u770b\u5230\u4f60\u7684\u4fe1\u7528\u5361\u5229\u7387\u4e0a\u5347\u3002<\/p>\n

\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361\u6709\u4f59\u989d\uff08\u901a\u5e38\u6709\u5f88\u9ad8\u7684\u6d6e\u52a8\u5229\u7387\uff09\uff0c\u8003\u8651\u5c06\u5b83\u4eec\u8f6c\u79fb\u5230\u96f6\u5229\u7387\u7684\u4f59\u989d\u8f6c\u79fb\u5361\u4e0a\uff0c\u8be5\u5361\u5c06\u96f6\u5229\u7387\u9501\u5b9a 12 \u5230 21 \u4e2a\u6708\u3002<\/p>\n

McBride\u8bf4\uff1a”\u8fd9\u4f7f\u4f60\u5728\u672a\u6765\u4e00\u5e74\u534a\u7684\u65f6\u95f4\u91cc\u514d\u53d7\u5229\u7387\u4e0a\u6da8\u7684\u5f71\u54cd\uff0c\u5e76\u4e3a\u4f60\u63d0\u4f9b\u4e86\u4e00\u4e2a\u660e\u786e\u7684\u8dd1\u9053\uff0c\u4ee5\u4fbf\u4e00\u52b3\u6c38\u9038\u5730\u8fd8\u6e05\u503a\u52a1\u3002\u66f4\u5c11\u7684\u503a\u52a1\u548c\u66f4\u591a\u7684\u50a8\u84c4\u5c06\u4f7f\u4f60\u80fd\u591f\u66f4\u597d\u5730\u5e94\u5bf9\u5229\u7387\u7684\u4e0a\u5347\uff0c\u5982\u679c\u7ecf\u6d4e\u4e0b\u6ed1\uff0c\u8fd9\u4e00\u70b9\u5c24\u5176\u6709\u4ef7\u503c\u3002”<\/p>\n

\u5982\u679c\u4f60\u4e0d\u8f6c\u5230\u96f6\u5229\u7387\u7684\u4f59\u989d\u5361\uff0c\u53e6\u4e00\u4e2a\u9009\u62e9\u53ef\u80fd\u662f\u83b7\u5f97\u4e00\u4e2a\u76f8\u5bf9\u8f83\u4f4e\u7684\u56fa\u5b9a\u5229\u7387\u7684\u4e2a\u4eba\u8d37\u6b3e\u3002<\/p>\n

\u5728\u4efb\u4f55\u60c5\u51b5\u4e0b\uff0c\u6700\u597d\u7684\u5efa\u8bae\u662f\u5c3d\u4e00\u5207\u52aa\u529b\u8fc5\u901f\u507f\u8fd8\u4f59\u989d\u3002<\/p>\n

\u623f\u5c4b\u8d37\u6b3e\uff1a\u73b0\u5728\u5c31\u9501\u5b9a\u56fa\u5b9a\u5229\u7387<\/h2>\n

\u8fc7\u53bb\u4e00\u5e74\uff0c\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u4e00\u76f4\u5728\u4e0a\u5347\u3002\u800c\u4e14\u8fd9\u79cd\u60c5\u51b5\u53ef\u80fd\u4f1a\u7ee7\u7eed\u4e0b\u53bb\u3002<\/p>\n

McBride\u6307\u51fa\uff1a\u201c\u81ea\u4eca\u5e74\u5e74\u521d\u4ee5\u6765\uff0c\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u5df2\u7ecf\u6574\u6574\u8dc3\u5347\u4e86\u4e24\u4e2a\u767e\u5206\u70b9\uff0c\u4ece3.27%\u5347\u81f35.28%\u3002\u5982\u679c\u4f60\u63a5\u8fd1\u4e70\u623f\u6216\u518d\u878d\u8d44\uff0c\u8bf7\u5c3d\u5feb\u9501\u5b9a\u4f60\u80fd\u5f97\u5230\u7684\u6700\u4f4e\u56fa\u5b9a\u5229\u7387\u201d\u3002<\/p>\n

\u5fb7\u514b\u8428\u65af\u5dde\u7684\u6ce8\u518c\u7406\u8d22\u89c4\u5212\u5e08 Lacy Rogers \u8bf4\uff1a\u201c\u4e0d\u8981\u56e0\u4e3a\u5229\u7387\u53ef\u80fd\u4e0a\u5347\u5c31\u6025\u4e8e\u8d2d\u4e70\u4e00\u4e2a\u4e0d\u9002\u5408\u4f60\u7684\u5927\u4ef6\u7269\u54c1\u3002\u6025\u4e8e\u8d2d\u4e70\u50cf\u623f\u5b50\u6216\u6c7d\u8f66\u8fd9\u6837\u4e0d\u7b26\u5408\u4f60\u9884\u7b97\u7684\u5927\u4ef6\u7269\u54c1\uff0c\u65e0\u8bba\u672a\u6765\u5229\u7387\u5982\u4f55\uff0c\u8fd9\u90fd\u662f\u9ebb\u70e6\u7684\u6839\u6e90\u201d\u3002<\/p>\n

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McBride\u5efa\u8bae\uff1a\u5982\u679c\u8fd9\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u53ef\u4ee5\u8003\u8651\u901a\u8fc7\u5411\u53e6\u4e00\u4e2a\u8d37\u6b3e\u4eba\u7533\u8bf7\u8f83\u4f4e\u7684\u4fc3\u9500\u5229\u7387\u6765\u652f\u4ed8\u8be5\u4f59\u989d\u3002<\/p>\n

\u94f6\u884c\u50a8\u84c4\uff1a\u8d27\u6bd4\u4e09\u5bb6<\/h2>\n

McBride\u8bf4\uff0c\u5982\u679c\u4f60\u4e00\u76f4\u5c06\u73b0\u91d1\u5b58\u653e\u5728\u51e0\u4e4e\u6ca1\u6709\u4e3a\u50a8\u84c4\u8d26\u6237\u652f\u4ed8\u5229\u606f\u7684\u5927\u94f6\u884c\uff0c\u4e0d\u8981\u6307\u671b\u8fd9\u79cd\u60c5\u51b5\u4f1a\u56e0\u4e3a\u7f8e\u8054\u50a8\u52a0\u606f\u800c\u6539\u53d8\u3002\u8fd9\u662f\u7531\u4e8e\u5927\u94f6\u884c\u7684\u5b58\u6b3e\u5f88\u5145\u8db3\uff0c\u4e0d\u9700\u8981\u62c5\u5fc3\u5438\u5f15\u65b0\u5ba2\u6237\u7684\u95ee\u9898\u3002<\/p>\n

\u4f46\u7f51\u4e0a\u94f6\u884c\u5e0c\u671b\u4fdd\u7559\u6d3b\u671f\u8d26\u6237\u5e76\u5438\u5f15\u66f4\u591a\u4e1a\u52a1\uff0c\u5b83\u4eec\u63d0\u4f9b\u7684\u5229\u7387\u8981\u597d\u5f97\u591a\uff0c\u800c\u4e14\u968f\u7740\u57fa\u51c6\u5229\u7387\u7684\u63d0\u9ad8\uff0c\u5b83\u4eec\u4e5f\u5728\u79ef\u6781\u63d0\u9ad8\u5229\u7387\u3002\u56e0\u6b64\uff0c\u503c\u5f97\u8d27\u6bd4\u4e09\u5bb6\u3002<\/p>\n

\u80a1\u7968\uff1a\u8003\u8651\u5b9a\u4ef7\u80fd\u529b<\/h2>\n

\u8499\u7279\u5229\u5c14\u94f6\u884c\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8(BMO Wealth Management)\u7684\u9996\u5e2d\u6295\u8d44\u5b98Michael Stritch\u8bf4\uff0c\u5728\u51b3\u5b9a\u662f\u5426\u6295\u8d44\u4e8e\u53ef\u80fd\u5728\u5229\u7387\u4e0a\u5347\u73af\u5883\u4e2d\u8868\u73b0\u826f\u597d\u7684\u516c\u53f8\u6216\u884c\u4e1a\u65f6–\u7279\u522b\u662f\u4ee5\u7ecf\u6d4e\u5f3a\u52b2\u3001\u4f9b\u5e94\u94fe\u4e2d\u65ad\u548c\u5546\u54c1\u4ef7\u683c\u4e0a\u6da8\u63a8\u52a8\u7684\u901a\u8d27\u81a8\u80c0\u4e3a\u7279\u5f81\u7684\u516c\u53f8\u65f6\uff0c\u8981\u8003\u8651\uff1a”\u5728\u901a\u8d27\u81a8\u80c0\u73af\u5883\u4e2d\uff0c\u54ea\u4e9b\u516c\u53f8\u5c06\u6709\u5b9a\u4ef7\u6743\uff1f<\/p>\n

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\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u623f\u5730\u4ea7\u53ef\u80fd\u4f1a\u53d7\u5230\u5229\u7387\u4e0a\u5347\u7684\u4f24\u5bb3\u3002\u4f46Stritch\u8bf4\uff0c\u7531\u4e8e\u63a8\u52a8\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u768410\u5e74\u671f\u56fd\u503a\u6536\u76ca\u7387\u5728\u8fc7\u53bb\u4e00\u5e74\u5df2\u7ecf\u5f3a\u52b2\u4e0a\u6da8\uff0c\u5b83\u53ef\u80fd\u4e0d\u4f1a\u4ece\u73b0\u5728\u7684\u6c34\u5e73\u5927\u5e45\u8df3\u5347\u3002<\/p>\n

\u9274\u4e8e\u4eca\u5e74\u53ef\u80fd\u8fd8\u4f1a\u6709\u4e00\u6bb5\u6301\u7eed\u7684\u901a\u8d27\u81a8\u80c0\u671f\uff0c\u5982\u679c\u76f8\u5173\u516c\u53f8\u901a\u8fc7\u63d0\u9ad8\u79df\u91d1\u3001\u9152\u5e97\u5ba2\u623f\u4ef7\u683c\u7b49\u6765\u589e\u52a0\u6536\u5165\uff0c\u901a\u8fc7\u623f\u5730\u4ea7\u6295\u8d44\u4fe1\u6258\u57fa\u91d1\u5bf9\u623f\u5730\u4ea7\u8fdb\u884c\u4e00\u4e9b\u6295\u8d44\u53ef\u80fd\u4f1a\u6709\u826f\u597d\u7684\u6536\u5165\u548c\u589e\u957f\u6f5c\u529b\u3002<\/p>\n

Flynn Zito Capital Management \u7684\u8054\u5408\u521b\u59cb\u4eba\u3001\u8ba4\u8bc1\u8d22\u52a1\u89c4\u5212\u5e08 Doug Flynn \u8868\u793a\uff1a\u79d1\u6280\u516c\u53f8\u901a\u5e38\u4e5f\u4e0d\u4f1a\u4ece\u66f4\u9ad8\u7684\u5229\u7387\u4e2d\u53d7\u76ca\u3002\u4f46\u8003\u8651\u5230\u4e91\u8ba1\u7b97\u548c\u8f6f\u4ef6\u670d\u52a1\u63d0\u4f9b\u5546\u5411\u5ba2\u6237\u53d1\u5e03\u8ba2\u9605\u4ef7\u683c\uff0c\u8fd9\u4e9b\u53ef\u80fd\u4f1a\u968f\u7740\u901a\u8d27\u81a8\u80c0\u4e0a\u5347\u3002<\/p>\n

\u503a\u5238\uff1a\u505a\u7a7a<\/h2>\n

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