{"id":475219,"date":"2023-10-19T19:43:21","date_gmt":"2023-10-20T02:43:21","guid":{"rendered":"https:\/\/nai500.com\/?p=475219"},"modified":"2023-10-19T19:43:21","modified_gmt":"2023-10-20T02:43:21","slug":"%e8%82%a1%e6%81%af-%e9%80%80%e4%bc%91-%e8%bf%99%e5%8f%aa%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%82%a1%e6%81%af%e8%82%a1%e7%a5%a8","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2023\/10\/%e8%82%a1%e6%81%af-%e9%80%80%e4%bc%91-%e8%bf%99%e5%8f%aa%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%82%a1%e6%81%af%e8%82%a1%e7%a5%a8\/","title":{"rendered":"\u80a1\u606f\u5230\u624b\uff0c\u9000\u4f11\u65e0\u5fe7\uff0c\u5c31\u62ff\u8fd9\u53ea\u52a0\u62ff\u5927\u80a1\u606f\u80a1\u7968\u6765\u8bf4"},"content":{"rendered":"<p>\u6295\u8d44\u5c31\u662f\u4e00\u8d9f\u65c5\u9014\uff0c\u77e5\u9053\u81ea\u5df1\u7684\u76ee\u7684\u5730\uff0c\u4f60\u624d\u80fd\u89c4\u5212\u81ea\u5df1\u7684\u65c5\u7a0b\u5e76\u6839\u636e\u5e02\u573a\u73af\u5883\u505a\u51fa\u6539\u53d8\u3002\u8bf4\u5230\u9000\u4f11\u89c4\u5212\uff0c\u6211\u4eec\u9700\u8981\u6839\u636e\u81ea\u5df1\u8ddd\u79bb\u9000\u4f11\u7684\u65f6\u957f\u4ee5\u53ca\u773c\u4e0b\u7684\u6295\u8d44\u673a\u4f1a\u4e0d\u65ad\u8c03\u6574\u6b65\u4f10\u548c\u8282\u594f\u3002\u5728\u6e38\u620f\u5f53\u4e2d\uff0c\u80fd\u91cf\u4e38\u53ef\u4ee5\u63d0\u9ad8\u6211\u4eec\u7684\u901f\u5ea6\u3002\u800c\u5728\u718a\u5e02\u5f53\u4e2d\uff0c\u52a0\u62ff\u5927\u80a1\u606f\u80a1\u7968\u5c31\u662f\u8fd9\u6837\u7684\u80fd\u91cf\u4e38\u3002<\/p>\n<h2>\u52a0\u62ff\u5927\u80a1\u606f\u80a1\u7968\u5982\u4f55\u8ba9\u6211\u4eec\u9000\u4f11\u65e0\u5fe7\uff1f<\/h2>\n<p>\u52a0\u62ff\u5927\u80a1\u5e02\u7684\u4e00\u5927\u4f18\u52bf\u5c31\u662f\u4ed6\u7684\u80a1\u606f\u80a1\u7968\u3002\u8be5\u56fd\u5f88\u591a\u94f6\u884c\u3001\u80fd\u6e90\u3001\u7535\u4fe1\u4ee5\u53ca\u57fa\u7840\u8bbe\u65bd\u9886\u57df\u7684\u516c\u53f8\u6570\u5341\u5e74\u6765\u6301\u7eed\u6d3e\u606f\uff0c\u800c\u4e14\u591a\u6570\u65f6\u95f4\u91cc\u80a1\u606f\u8fd8\u5728\u4e0d\u65ad\u589e\u957f\u3002\u6211\u4eec\u8981\u660e\u767d\uff0c\u4efb\u4f55\u516c\u53f8\u8d44\u91d1\u7684\u4f18\u5148\u7528\u9014\u662f\u589e\u957f\u518d\u6295\u8d44\uff0c\u53ea\u6709\u5728\u6ee1\u8db3\u8fd9\u4e00\u9700\u6c42\u4e4b\u540e\u5269\u4f59\u7684\u73b0\u91d1\u624d\u4f1a\u62ff\u6765\u7ed9\u80a1\u4e1c\u6d3e\u606f\u3002\u56e0\u6b64\uff0c\u4f18\u8d28\u7684\u80a1\u606f\u80a1\u7968\u5fc5\u987b\u8981\u6709\u7a33\u5b9a\u4e14\u53ef\u6301\u7eed\u7684\u73b0\u91d1\u6d41\u3002<\/p>\n<p>\u9000\u4f11\u4e4b\u540e\uff0c\u6ca1\u6709\u4e86\u4e3b\u52a8\u6536\u5165\uff0c\u8fd9\u65f6\u5019\u4f60\u9700\u8981\u4e00\u7b14\u5927\u989d\u7684\u5e94\u6025\u8d44\u91d1\u4ee5\u53ca\u4e00\u4e2a\u80fd\u591f\u4e0d\u8dd1\u8f93\u901a\u80c0\u7684\u88ab\u52a8\u6536\u5165\u6765\u6e90\u3002\u52a0\u62ff\u5927\u80a1\u606f\u80a1\u7968\u5c31\u80fd\u540c\u65f6\u6ee1\u8db3\u8fd9\u4e24\u5927\u9700\u6c42\u3002\u80a1\u606f\u8d35\u65cf\u80a1\u7968\u7684\u80a1\u4ef7\u76f8\u5bf9\u7a33\u5b9a\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u63d0\u4f9b\u4e00\u7b14\u8d44\u91d1\uff0c\u800c\u6d3e\u606f\u53ef\u80fd\u5e26\u6765\u88ab\u52a8\u6536\u5165\u3002<\/p>\n<h2>\u6bd4\u5982\u8bf4\u8fd9\u53ea\u52a0\u62ff\u5927\u80a1\u606f\u80a1\u7968<\/h2>\n<p>\u5bf9\u4e8e\u52a0\u62ff\u5927\u6295\u8d44\u8005\u6765\u8bf4\uff0c\u901a\u8fc7\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u6295\u8d44\u80a1\u606f\u80a1\u7968\u53ef\u4ee5\u8282\u7701\u80a1\u606f\u7a0e\uff0c\u800c\u901a\u8fc7\u516c\u53f8\u7684\u80a1\u606f\u518d\u6295\u8d44\u8ba1\u5212\uff08DRIP\uff09\u751a\u81f3\u53ef\u4ee5\u8282\u7701\u7ecf\u7eaa\u4eba\u4f63\u91d1\u3002\u4e0b\u9762\u8fd9\u53ea\u52a0\u62ff\u5927\u80a1\u606f\u80a1\u5b9a\u671f\u6d3e\u53d1\u5b63\u5ea6\u80a1\u606f\u7684\u5386\u53f2\u5341\u5206\u60a0\u4e45\uff0c\u80a1\u606f\u6bcf\u5e74\u90fd\u5728\u589e\u957f\uff0c\u540c\u65f6\u8fd8\u63d0\u4f9b\u80a1\u606f\u518d\u6295\u8d44\u8ba1\u5212\u3002<\/p>\n<h2>BCE<\/h2>\n<p>\u52a0\u62ff\u5927\u7535\u4fe1\u5de8\u5934<a 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width=\"550\">\n<tbody>\n<tr>\n<td><strong>\u5e74\u4efd<\/strong><\/td>\n<td><strong>BCE<\/strong><strong>\u80a1\u4ef7\uff08<\/strong><strong>3.2% CAGR<\/strong><strong>\uff09<\/strong><\/td>\n<td><strong>\u5e74\u5ea6\u6295\u8d44\u989d<\/strong><\/td>\n<td><strong>BCE<\/strong><strong>\u80a1\u606f\u518d\u6295\u8d44\u80a1\u6570<\/strong><\/td>\n<td><strong>BCE<\/strong><strong>\u6301\u80a1\u6570\u91cf<\/strong><\/td>\n<td><strong>BCE<\/strong><strong>\u6bcf\u80a1\u80a1\u606f<\/strong><strong> (5% CAGR)<\/strong><\/td>\n<td><strong>\u80a1\u606f\u603b\u989d<\/strong><\/td>\n<\/tr>\n<tr>\n<td>2024<\/td>\n<td>$52.00<\/td>\n<td>$10,000.00<\/td>\n<td>192<\/td>\n<td>192<\/td>\n<td>$3.87<\/td>\n<td>$743.04<\/td>\n<\/tr>\n<tr>\n<td>2025<\/td>\n<td>$53.66<\/td>\n<td>$743.04<\/td>\n<td>14<\/td>\n<td>206<\/td>\n<td>$4.06<\/td>\n<td>$837.08<\/td>\n<\/tr>\n<tr>\n<td>2026<\/td>\n<td>$55.38<\/td>\n<td>$837.08<\/td>\n<td>15<\/td>\n<td>221<\/td>\n<td>$4.27<\/td>\n<td>$942.94<\/td>\n<\/tr>\n<tr>\n<td>2027<\/td>\n<td>$57.15<\/td>\n<td>$942.94<\/td>\n<td>16<\/td>\n<td>237<\/td>\n<td>$4.48<\/td>\n<td>$1,061.76<\/td>\n<\/tr>\n<tr>\n<td>2028<\/td>\n<td>$58.98<\/td>\n<td>$1,061.76<\/td>\n<td>18<\/td>\n<td>255<\/td>\n<td>$4.70<\/td>\n<td>$1,199.52<\/td>\n<\/tr>\n<tr>\n<td>2029<\/td>\n<td>$60.87<\/td>\n<td>$1,199.52<\/td>\n<td>20<\/td>\n<td>275<\/td>\n<td>$4.94<\/td>\n<td>$1,358.28<\/td>\n<\/tr>\n<tr>\n<td>2030<\/td>\n<td>$62.82<\/td>\n<td>$1,358.28<\/td>\n<td>21<\/td>\n<td>296<\/td>\n<td>$5.19<\/td>\n<td>$1,535.11<\/td>\n<\/tr>\n<tr>\n<td>2031<\/td>\n<td>$64.83<\/td>\n<td>$1,535.11<\/td>\n<td>24<\/td>\n<td>320<\/td>\n<td>$5.45<\/td>\n<td>$1,742.55<\/td>\n<\/tr>\n<tr>\n<td>2032<\/td>\n<td>$66.90<\/td>\n<td>$1,742.55<\/td>\n<td>26<\/td>\n<td>346<\/td>\n<td>$5.72<\/td>\n<td>$1,978.34<\/td>\n<\/tr>\n<tr>\n<td>2033<\/td>\n<td>$69.04<\/td>\n<td>$1,978.34<\/td>\n<td>29<\/td>\n<td>375<\/td>\n<td>$6.00<\/td>\n<td>$2,251.37<\/td>\n<\/tr>\n<tr>\n<td>2034<\/td>\n<td>$71.25<\/td>\n<td>$2,251.37<\/td>\n<td>32<\/td>\n<td>407<\/td>\n<td>$6.30<\/td>\n<td>$2,565.66<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e0a\u9762\u8fd9\u5f20\u8868\u7c97\u7565\u5c55\u793a\u4e86\u6295\u8d44\u8005\u5728RRSP\u8d26\u6237\u4e2d\u53c2\u4e0eBCE\u80a1\u7968\u80a1\u606f\u518d\u6295\u8d44\u8ba1\u5212\u7684\u60c5\u51b5\u3002\u73b0\u5728\u6295\u8d441\u4e07\u52a0\u5143\u53ef\u4ee5\u4e70\u5165192\u80a1BCE\u80a1\u7968\uff0c\u968f\u7740\u65f6\u95f4\u63a8\u79fb\uff0c\u80a1\u606f\u518d\u6295\u8d44\u8ba1\u5212\u53ef\u4ee5\u8ba9\u4f60\u7684\u80a1\u7968\u6570\u91cf\u572810\u5e74\u4e4b\u540e\u589e\u52a0\u5230407\u80a1\u3002\u5047\u8bbeBCE\u7ef4\u63015%\u7684\u80a1\u606f\u589e\u901f\uff0c1\u4e07\u52a0\u5143\u6295\u8d44\u7684\u5e74\u5ea6\u80a1\u606f\u52302034\u5e74\u5c06\u8d85\u8fc72500\u52a0\u5143\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6295\u8d44\u5c31\u662f\u4e00\u8d9f\u65c5\u9014\uff0c\u77e5\u9053\u81ea\u5df1\u7684\u76ee\u7684\u5730\uff0c\u4f60\u624d\u80fd\u89c4\u5212\u81ea\u5df1\u7684\u65c5\u7a0b\u5e76\u6839\u636e\u5e02\u573a\u73af\u5883\u505a\u51fa\u6539\u53d8\u3002\u8bf4\u5230\u9000\u4f11\u89c4\u5212\uff0c\u6211\u4eec\u9700\u8981\u6839\u636e\u81ea\u5df1 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