{"id":434293,"date":"2022-08-18T21:19:04","date_gmt":"2022-08-19T04:19:04","guid":{"rendered":"https:\/\/nai500.com\/?p=434293"},"modified":"2022-08-18T21:19:04","modified_gmt":"2022-08-19T04:19:04","slug":"%e6%8a%95%e8%b5%84%e7%ad%96%e7%95%a5%e6%80%8e%e6%a0%b7%e4%bb%8e-1000-%e7%be%8e%e5%85%83%e5%bc%80%e5%a7%8b%e6%8a%95%e8%b5%84","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2022\/08\/%e6%8a%95%e8%b5%84%e7%ad%96%e7%95%a5%e6%80%8e%e6%a0%b7%e4%bb%8e-1000-%e7%be%8e%e5%85%83%e5%bc%80%e5%a7%8b%e6%8a%95%e8%b5%84\/","title":{"rendered":"\u6295\u8d44\u7b56\u7565\uff1a\u600e\u6837\u4ece1000\u7f8e\u5143\u5f00\u59cb\u6295\u8d44\uff1f"},"content":{"rendered":"

\u5728\u8fd9\u4e2a\u65f6\u4ee3\uff0c\u6709\u5927\u91cf\u7684\u6295\u8d44\u9009\u62e9\u53ef\u4ee5\u9009\u62e9\u3002\u6709\u8fd9\u4e48\u591a\u9009\u62e9\u662f\u5f88\u597d\u7684\uff0c\u4f46\u51b3\u5b9a\u54ea\u4e2a\u65b9\u5411\u53ef\u80fd\u4f1a\u8ba9\u4eba\u4e0d\u77e5\u6240\u63aa\u3002\u8fd9\u91cc\u6709\u4e03\u4e2a\u6295\u8d44\u9009\u62e9\uff0c\u4ee5\u5e2e\u52a9\u4f60\u5f00\u59cb\u3002<\/p>\n

1. \u5f00\u59cb\uff08\u6216\u589e\u52a0\uff09\u4e00\u4e2a\u50a8\u84c4\u8d26\u6237<\/h2>\n

\u7531\u4e8e\u6700\u597d\u7684\u5e74\u5229\u7387\u4f4e\u4e8e1%\uff0c\u628a\u94b1\u653e\u5165\u50a8\u84c4\u6216\u8d27\u5e01\u5e02\u573a\u8d26\u6237\u53ef\u80fd\u770b\u8d77\u6765\u6839\u672c\u5c31\u4e0d\u662f\u4ec0\u4e48\u6295\u8d44\u3002\u7136\u800c\uff0c\u6570\u4ee5\u767e\u4e07\u8ba1\u7684\u5bb6\u5ead\u624b\u5934\u6ca1\u6709\u8db3\u591f\u7684\u8d44\u91d1\u4ee5\u5907\u4e0d\u65f6\u4e4b\u9700\u3002\u5982\u679c\u4f60\u5728\u8fd9\u6761\u8239\u4e0a\uff0c\u8fd9\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u5f00\u59cb\u3002<\/p>\n

\u4ee5\u4e0b\u662f\u4e3a\u4ec0\u4e48\u628a\u94b1\u6295\u5165\u57fa\u672c\u50a8\u84c4\u662f\u4e00\u9879\u4f1f\u5927\u7684\u6295\u8d44\u3002\u867d\u7136\u9884\u6d4b\u751f\u6d3b\u4e2d\u7684\u66f2\u6298\u4ee5\u53ca\u5b83\u4eec\u4f55\u65f6\u53d1\u751f\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u4f46\u51c6\u5907\u597d\u4e00\u4e9b\u73b0\u91d1\u603b\u662f\u6709\u52a9\u4e8e\u7f13\u51b2\u6253\u51fb\u3002\u800c\u4e14\uff0c\u5982\u679c\u5b83\u80fd\u4f7f\u4f60\u4e0d\u4ee5\u9ad8\u989d\u5229\u606f\u501f\u94b1\uff0c\u90a3\u4e48\u50a8\u84c4\u8d26\u6237\u7684\u5c0f\u989d\u56de\u62a5\u5c31\u975e\u5e38\u503c\u5f97\u3002\u4e89\u53d6\u81f3\u5c11\u6709\u4e09\u5230\u516d\u4e2a\u6708\u7684\u73b0\u91d1\u50a8\u84c4\u3002<\/p>\n

2. \u6295\u8d44\u4e8e401(k)<\/h2>\n

\u8c01\u4e0d\u5e0c\u671b\u52a0\u85aa\uff1f\u867d\u7136\u8bb8\u591a\u4eba\u5bf9\u4ed6\u4eec\u7684\u62a5\u916c\u4e0d\u6ee1\u610f\uff0c\u4f46\u4ed6\u4eec\u53ef\u80fd\u5ffd\u7565\u4e86\u96c7\u4e3b\u63d0\u4f9b\u7684\u989d\u5916\u85aa\u916c\u798f\u5229\uff1a\u914d\u5957\u7684401\uff08k\uff09\u6216\u7c7b\u4f3c\u7684\u516c\u53f8\u8d5e\u52a9\u7684\u9000\u4f11\u8ba1\u5212\u8d26\u6237\u4f9b\u6b3e\u3002<\/p>\n

\u5176\u673a\u5236\u5f88\u7b80\u5355\u3002\u5982\u679c\u4f60\u7684\u516c\u53f8\u63d0\u4f9b\u5339\u914d\uff0c\u4f01\u4e1a\u5c06\u4f7f\u4f60\u7684\u8d21\u732e\u7ffb\u500d\uff0c\u901a\u5e38\u8fbe\u5230\u4f60\u603b\u5de5\u8d44\u7684\u67d0\u4e2a\u767e\u5206\u6bd4\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4e00\u4e2a\u516c\u53f8\u63d0\u4f9b3%\u7684\u5339\u914d\uff0c\u5b83\u5c06\u4e3a\u4f60\u6bcf1000\u7f8e\u5143\u7684\u5de5\u8d44\u8d21\u732e30\u7f8e\u5143\u3002\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b\u8fd9\u79cd\u670d\u52a1\uff0c\u8fd9\u662f\u4e00\u4e2a\u5feb\u901f\u800c\u7b80\u5355\u7684\u65b9\u6cd5\uff0c\u53ef\u4ee5\u4f7f\u4f60\u7684\u94b1\u7ffb\u500d\uff0c\u66f4\u4e0d\u7528\u8bf4\u8fd8\u80fd\u8282\u7701\u4e00\u4e9b\u7a0e\u6b3e\u3002<\/p>\n

\u4f46\u662f\uff0c\u4e0d\u8981\u53ea\u505c\u7559\u5728\u5339\u914d\u4e0a\u3002\u5bf9\u4e8e2022\u5e74\uff0c\u5927\u591a\u6570401(k)\u8ba1\u5212\u5141\u8bb8\u96c7\u5458\u7684\u603b\u7f34\u6b3e\u989d\u4e3a20,500\u7f8e\u5143\uff08\u5982\u679c\u4f60\u7684\u5e74\u9f84\u8d85\u8fc750\u5c81\uff0c\u8fd8\u53ef\u4ee5\u989d\u5916\u589e\u52a06,500\u7f8e\u5143\uff09\u3002\u5982\u679c\u4f60\u67091,000\u7f8e\u5143\u53ef\u4ee5\u6295\u8d44\uff0c\u8bf7\u5411\u4f60\u7684\u4eba\u529b\u8d44\u6e90\u90e8\u95e8\u6216\u798f\u5229\u4e13\u5bb6\u54a8\u8be2\u5982\u4f55\u5c06\u8fd9\u7b14\u94b1\u7559\u4f5c\u9000\u4f11\u4e4b\u7528\u3002<\/p>\n

3. \u6295\u8d44\u4e8eIRA<\/h2>\n

\u5982\u679c\u4f60\u6ca1\u6709\u53c2\u52a0\u5de5\u4f5c\u8d5e\u52a9\u7684\u9000\u4f11\u8ba1\u5212\uff0c\u6216\u8005\u4f60\u7684\u8ba1\u5212\u4e0d\u5141\u8bb8\u4f60\u589e\u52a0\u989d\u5916\u7684\u8d44\u91d1\uff0c\u8fd9\u5c31\u662f\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff08IRA\uff09\u53d1\u6325\u4f5c\u7528\u7684\u5730\u65b9\u3002<\/p>\n

\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u6ca1\u6709\u516c\u53f8\u5339\u914d\uff0c\u4f46\u5982\u679c\u4f60\u6709\u6536\u5165\uff08\u5982\u901a\u8fc7\u4f60\u7684\u5de5\u4f5c\u6216\u81ea\u8425\u804c\u4e1a\uff09\uff0c\u8fd9\u79cd\u9009\u62e9\u662f\u503c\u5f97\u8003\u8651\u7684\u3002\u6709\u4e24\u79cd\u57fa\u672c\u7c7b\u578b\u7684IRA\uff1a\u4f20\u7edf\u578b\u548c\u7f57\u65af\u578b\u3002<\/p>\n

\u5982\u679c\u4f60\u67091000\u7f8e\u5143\uff0c\u5728\u7f51\u4e0a\u7ecf\u7eaa\u516c\u53f8\u5f00\u59cbIRA\u662f\u4e00\u4e2a\u4f1f\u5927\u7684\u65b9\u5f0f\uff0c\u5f00\u59cb\u52aa\u529b\u5b9e\u73b0\u957f\u671f\u7684\u8d22\u5bcc\u751f\u6210\u30022021\u5e74\uff0c\u6295\u8d44\u8005\u6700\u591a\u53ef\u4ee5\u5411IRA\u5b58\u51656000\u7f8e\u5143\uff0c\u5982\u679c\u4f60\u7684\u5e74\u9f84\u8d85\u8fc750\u5c81\uff0c\u6700\u591a\u53ef\u4ee5\u989d\u5916\u5b58\u51651000\u7f8e\u5143\u3002<\/p>\n

4. \u5f00\u8bbe\u4e00\u4e2a\u5e94\u7a0e\u7ecf\u7eaa\u8d26\u6237<\/h2>\n

\u5982\u679c\u4f60\u5df2\u7ecf\u7528\u5c3d\u4e86\u524d\u4e09\u4e2a\u9009\u62e9\uff0c\u4f46\u4ecd\u67091000\u7f8e\u5143\u53ef\u4ee5\u6295\u8d44\uff0c\u90a3\u4e48\u5f00\u8bbe\u4e00\u4e2a\u5e94\u7a0e\u6295\u8d44\u8d26\u6237\u662f\u53e6\u4e00\u4e2a\u53ef\u9760\u7684\u9009\u62e9\u3002\u628a\u5b83\u770b\u4f5c\u662f\u4e00\u4e2a\u50a8\u84c4\u8d26\u6237\uff0c\u7136\u800c\uff0c\u6f5c\u5728\u7684\u4e0a\u5347\u7a7a\u95f4\u8981\u6bd4\u50a8\u84c4\u8d26\u6237\u9ad8\u3002<\/p>\n

\u8bda\u7136\uff0c\u6240\u6709\u7684\u6295\u8d44\u90fd\u6d89\u53ca\u98ce\u9669\uff0c\u800c\u4e14\u4e0d\u80fd\u4fdd\u8bc1\u4f60\u5728\u8fd9\u4e2a\u8fc7\u7a0b\u4e2d\u4e0d\u4f1a\u635f\u5931\u4f60\u76841000\u7f8e\u5143\u3002\u7136\u800c\uff0c\u5728\u7ecf\u7eaa\u8d26\u6237\u4e2d\u6709\u5f88\u591a\u9009\u62e9\uff0c\u53ef\u4ee5\u5e2e\u52a9\u51cf\u8f7b\u6295\u8d44\u6240\u5e26\u6765\u7684\u52a8\u8361\u3002\u53e6\u5916\uff0c\u8bf7\u8bb0\u4f4f\uff0c\u5b58\u51651000\u7f8e\u5143\u5e94\u8be5\u4ec5\u4ec5\u662f\u4e00\u4e2a\u5f00\u59cb\u3002\u5982\u679c\u4f60\u5b9a\u671f\u5b58\u6b3e\uff0c\u6295\u8d44\u6548\u679c\u6700\u597d\uff0c\u8d8a\u9891\u7e41\u8d8a\u597d\u3002\u4e00\u65e6\u4f60\u5efa\u7acb\u4e86\u4e00\u4e2a\u7ecf\u7eaa\u8d26\u6237\uff0c\u8003\u8651\u8bbe\u7f6e\u4e00\u4e2a\u7ecf\u5e38\u6027\u7684\u5b58\u6b3e\uff08\u4e5f\u8bb8\u662f\u6bcf\u6708\u6216\u6bcf\u5b63\u5ea6\uff09\uff0c\u7ee7\u7eed\u671d\u7740\u4f60\u7684\u8d22\u52a1\u76ee\u6807\u53d1\u5c55\u3002<\/p>\n

5. \u6295\u8d44\u4e8eETF<\/h2>\n

\u5728\u4f60\u5f00\u8bbeIRA\u6216\u7ecf\u7eaa\u8d26\u6237\u540e\uff0c\u662f\u65f6\u5019\u5f00\u59cb\u9009\u62e9\u6295\u8d44\u65b9\u5411\u4e86\u3002\u5982\u679c\u4f60\u521a\u521a\u5f00\u59cb\uff0c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u5f00\u59cb\u3002<\/p>\n

\u6709\u6570\u4ee5\u5343\u8ba1\u7684ETF\u53ef\u4f9b\u9009\u62e9\u3002\u5982\u679c\u4f60\u67091,000\u7f8e\u5143\uff0c\u5b66\u4e60\u5982\u4f55\u6295\u8d44ETF\uff0c\u5f00\u59cb\u4f60\u7684\u6295\u8d44\u4e4b\u65c5\u3002<\/p>\n

6. \u4f7f\u7528\u673a\u5668\u4eba\u987e\u95ee<\/h2>\n

\u5bf9\u5bfb\u627e\u548c\u7ba1\u7406\u6295\u8d44\u7ec4\u5408\u4e0d\u611f\u5174\u8da3\uff1f\u8003\u8651\u4f7f\u7528\u673a\u5668\u4eba\u987e\u95ee\u3002\u673a\u5668\u4eba\u987e\u95ee\u662f\u4e00\u79cd\u5728\u7ebf\u670d\u52a1\uff0c\u53ef\u4ee5\u5c06\u8d22\u52a1\u8ba1\u5212\u548c\u6295\u8d44\u7ec4\u5408\u7ba1\u7406\u7684\u67d0\u4e9b\u90e8\u5206\u81ea\u52a8\u5316\u3002<\/p>\n

\u8fd9\u4e9b\u5929\u6765\uff0c\u6709\u5f88\u591a\u673a\u5668\u4eba\u987e\u95ee\u53ef\u4f9b\u9009\u62e9\u3002\u4ed6\u4eec\u4e2d\u7684\u5927\u591a\u6570\u4eba\u51e0\u4e4e\u6ca1\u6709\u6700\u4f4e\u521d\u59cb\u5b58\u6b3e\u989d\uff081,000\u7f8e\u5143\u5c31\u8db3\u591f\u5f00\u59cb\u4e86\uff09\uff0c\u5e76\u5c06\u9009\u62e9\u4e00\u7bee\u5b50\u57fa\u91d1\u6216ETF\uff0c\u4e3a\u4f60\u7684\u957f\u671f\u76ee\u6807\u91cf\u8eab\u5b9a\u505a\u3002\u7ba1\u7406\u8d39\u901a\u5e38\u4f4e\u4e8e\u6bcf\u5e740.3%\uff08\u6bcf1,000\u7f8e\u5143\uff0c\u5373\u6bcf\u5e74\u5411\u4f60\u7684\u8d26\u6237\u6536\u53d63\u7f8e\u5143\uff09\uff0c\u800c\u4e14\u8be5\u670d\u52a1\u5c06\u5e2e\u52a9\u4f60\u5236\u5b9a\u4e00\u4e2a\u5b9a\u671f\u5b58\u6b3e\u8ba1\u5212\uff0c\u4ee5\u5e2e\u52a9\u4f60\u8fbe\u5230\u6700\u7ec8\u7684\u8d22\u52a1\u76ee\u6807\u3002<\/p>\n

7. \u6295\u8d44\u4e8e\u80a1\u7968<\/h2>\n

\u5982\u679c\u4f60\u60f3\u66f4\u591a\u5730\u63a7\u5236\u4f60\u7684\u6295\u8d44\uff0c\u53ef\u4ee5\u8003\u8651\u8d2d\u4e70\u4e2a\u4eba\u80a1\u7968\u3002\u5373\u4f7f\u67091,000\u7f8e\u5143\uff0c\u4e5f\u6709\u53ef\u80fd\u5efa\u7acb\u4e00\u4e2a\u5168\u9762\u7684\u542f\u52a8\u80a1\u7968\u7ec4\u5408\u3002\u8bb8\u591a\u7ecf\u7eaa\u516c\u53f8\u751a\u81f3\u5141\u8bb8\u6295\u8d44\u8005\u8d2d\u4e70\u90a3\u4e9b\u80a1\u4ef7\u9ad8\u7684\u80a1\u7968\u7684\u96f6\u788e\u80a1\u3002<\/p>\n

\u4e0d\u8981\u4f4e\u4f301,000\u7f8e\u5143\u7684\u529b\u91cf<\/h2>\n

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