{"id":588124,"date":"2025-08-18T02:08:54","date_gmt":"2025-08-18T09:08:54","guid":{"rendered":"https:\/\/nai500.com\/?p=588124"},"modified":"2025-08-18T02:08:54","modified_gmt":"2025-08-18T09:08:54","slug":"%e7%b2%be%e9%80%895%e5%8f%aa%e6%a0%87%e6%99%ae500%e6%8c%87%e6%95%b0%e5%9f%ba%e9%87%91%ef%bc%8c%e6%8a%8a%e6%8f%a1%e7%be%8e%e8%82%a1%e9%95%bf%e7%89%9b%e7%ba%a2%e5%88%a9","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2025\/08\/%e7%b2%be%e9%80%895%e5%8f%aa%e6%a0%87%e6%99%ae500%e6%8c%87%e6%95%b0%e5%9f%ba%e9%87%91%ef%bc%8c%e6%8a%8a%e6%8f%a1%e7%be%8e%e8%82%a1%e9%95%bf%e7%89%9b%e7%ba%a2%e5%88%a9\/","title":{"rendered":"\u7cbe\u90095\u53ea\u6807\u666e500\u6307\u6570\u57fa\u91d1\uff0c\u628a\u63e1\u7f8e\u80a1\u957f\u725b\u7ea2\u5229"},"content":{"rendered":"<p>\u6807\u666e500\u6307\u6570\u6500\u5347\u81f3\u65b0\u9ad8\uff0c\u5bf9\u4e8e\u60f3\u8981\u6295\u8d44\u7f8e\u80a1\uff0c\u5c24\u5176\u662f\u957f\u671f\u88ab\u52a8\u7c7b\u578b\u7684\u6295\u8d44\u8005\uff0c\u6807\u666e500\u6307\u6570\u57fa\u91d1\u6216\u8bb8\u662f\u6700\u7406\u60f3\u7684\u9009\u62e9\uff0c\u4ef7\u503c\u6295\u8d44\u8005\u5df4\u83f2\u7279\u4e5f\u66fe\u5efa\u8bae\u6295\u8d44\u8005\u957f\u671f\u6301\u6709\u8fd9\u7c7b\u6307\u6570\u57fa\u91d1\u3002\u4e0d\u8fc7\uff0c\u5e02\u9762\u4e0a\u6709\u591a\u79cd\u6807\u666e500\u6307\u6570\u57fa\u91d1\u53ef\u4f9b\u9009\u62e9\uff0c\u5305\u62ec\u5171\u540c\u57fa\u91d1\u548c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u4e24\u79cd\u5f62\u5f0f\u3002<\/p>\n<p>RGA Investment Advisors\u7ba1\u7406\u5408\u4f19\u4eba\u517c\u603b\u88c1Jason Gilbert\u8868\u793a\uff0c\u6807\u666e500\u6307\u6570\u57fa\u91d1\u548cETF\u51e0\u4e4e\u662f\u5b8c\u5168\u76f8\u540c\u7684\u4ea7\u54c1\uff0c\u4ec5\u5728\u6210\u672c\u3001\u7ed3\u6784\u548c\u53ef\u83b7\u53d6\u6027\u4e0a\u5b58\u5728\u7ec6\u5fae\u5dee\u522b\u3002<\/p>\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u4f18\u5148\u8003\u8651\u4f4e\u8d39\u7528\u7684\u6295\u8d44\u8005\uff0c<a href=\"https:\/\/nai500.com\/zh-hans\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%af%a2\/?qm_symbol=FXAIX\">\u5bcc\u8fbe500\u6307\u6570\u57fa\u91d1\uff08\u4ee3\u7801\uff1aFXAIX\uff09<\/a>\u548c\u5609\u4fe1\u7406\u8d22\u6807\u666e500\u6307\u6570\u57fa\u91d1\uff08SWPPX\uff09\u4ee50.015%\u548c0.02%\u7684\u8d39\u7528\u6bd4\u7387\u9886\u5148\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u5148\u950b\u6807\u666e500 ETF\uff08VOO\uff09\u548ciShares\u6838\u5fc3\u6807\u666e500 ETF\uff08IVV\uff09\u7d27\u968f\u5176\u540e\uff0c\u8d39\u7528\u6bd4\u7387\u7ea6\u4e3a0.03%\uff0c\u540c\u65f6\u63d0\u4f9b\u4e86ETF\u7684\u7075\u6d3b\u6027\u548c\u7a0e\u6536\u6548\u7387\u3002\u6b64\u5916\uff0cSPDR\u6807\u666e500\u4fe1\u6258\u57fa\u91d1\uff08SPY\uff09\u7684\u5386\u53f2\u6700\u60a0\u4e45\uff0c\u6d41\u52a8\u6027\u6700\u4f73\uff0c\u4f46\u8d39\u7528\u4e5f\u8f83\u9ad8\uff080.0945%\uff09\uff0c\u4f46\u56e0\u6d41\u52a8\u6027\u548c\u4e70\u5356\u4ef7\u5dee\u4f18\u52bf\u800c\u6301\u7eed\u53d7\u5230\u673a\u6784\u6295\u8d44\u8005\u7684\u9752\u7750\u3002<\/p>\n<p>\u5c3d\u7ba1\u8fd9\u4e9b\u57fa\u91d1\u672c\u8d28\u4e0a\u76f8\u4f3c\uff0c\u4f46\u53ef\u6ee1\u8db3\u4e0d\u540c\u7684\u6295\u8d44\u9700\u6c42\u3002\u6bd4\u5982\u8bf4\uff0cSPY\u7684\u4ea4\u6613\u91cf\u6bd4VOO\u9ad8\u51fa\u51e0\u4e2a\u6570\u91cf\u7ea7\uff1a\u8fc7\u53bb\u4e00\u4e2a\u6708\uff0cSPY\u65e5\u5747\u4ea4\u6613\u91cf\u4e3a7100\u4e07\u80a1\uff0c\u800cVOO\u4ec5\u4e3a550\u4e07\u80a1\u3002\u56e0\u6b64\uff0cSPY\u9002\u5408\u77ed\u671f\u7b56\u7565\u6216\u4ea4\u6613\uff0c\u800cVOO\u662f\u957f\u671f\u6295\u8d44\u8005\u7684\u7edd\u4f73\u9009\u62e9\u3002<\/p>\n<p>\u5c3d\u7ba1\u6807\u666e500\u6307\u6570\u57fa\u91d1\u662f\u8bb8\u591a\u6295\u8d44\u7ec4\u5408\u7684\u6838\u5fc3\u7ec4\u6210\u90e8\u5206\uff0c\u8fdc\u975e\u6df1\u5965\u96be\u61c2\u7684\u6295\u8d44\u7c7b\u578b\uff0c\u4f46\u4e86\u89e3\u7ed3\u6784\u4ecd\u7136\u5f88\u91cd\u8981\u3002\u7531\u4e8e\u8fd9\u4e9b\u57fa\u91d1\u91c7\u7528\u5e02\u503c\u52a0\u6743\uff0c\u5b83\u4eec\u5c06\u66f4\u591a\u8d44\u91d1\u914d\u7f6e\u7ed9\u6307\u6570\u4e2d\u5e02\u503c\u8f83\u5927\u7684\u516c\u53f8\uff0c\u8fd9\u4e00\u8d8b\u52bf\u5728\u5f53\u4eca\u9ad8\u5ea6\u96c6\u4e2d\u7684\u5e02\u573a\u4e0a\u53d8\u5f97\u66f4\u52a0\u663e\u8457\u30022025\u5e74\uff0c\u5c11\u6570\u51e0\u53ea\u5927\u578b\u79d1\u6280\u80a1\u63a8\u52a8\u4e86\u8be5\u6307\u6570\u4e0d\u6210\u6bd4\u4f8b\u7684\u56de\u62a5\uff0c\u4f8b\u5982\u82f9\u679c\uff08AAPL\uff09\u3001\u5fae\u8f6f\uff08MSFT\uff09\u548c\u82f1\u4f1f\u8fbe\uff08NVDA\uff09\u5360\u636e\u4e86\u8d85\u5927\u7684\u6743\u91cd\uff0c\u96c6\u4e2d\u5ea6\u98ce\u9669\u6108\u53d1\u660e\u663e\u3002<\/p>\n<p>\u4ee5\u4e0b\u662f\u7f8e\u80a1\u5e02\u573a\u4e0a\u4e94\u53ea\u6700\u53d7\u6b22\u8fce\u7684\u6807\u666e500\u6307\u6570\u57fa\u91d1\u6982\u89c8\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>\u6307\u6570\u57fa\u91d1<\/strong><\/td>\n<td><strong>\u8d39\u7528\u6bd4\u7387<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SPDR\u6807\u666e500\u4fe1\u6258\u57fa\u91d1 (SPY)<\/td>\n<td>0.0945%<\/td>\n<\/tr>\n<tr>\n<td>\u5148\u950b\u6807\u666e500 ETF (VOO)<\/td>\n<td>0.03%<\/td>\n<\/tr>\n<tr>\n<td>iShares\u6838\u5fc3\u6807\u666e500 ETF (IVV)<\/td>\n<td>0.03%<\/td>\n<\/tr>\n<tr>\n<td>\u5bcc\u8fbe500\u6307\u6570\u57fa\u91d1 (FXAIX)<\/td>\n<td>0.015%<\/td>\n<\/tr>\n<tr>\n<td>\u5609\u4fe1\u7406\u8d22\u6807\u666e500\u6307\u6570\u57fa\u91d1 (SWPPX)<\/td>\n<td>0.02%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u5404\u57fa\u91d1\u8be6\u60c5\uff1a<\/strong><\/p>\n<h2>SPDR\u6807\u666e500\u4fe1\u6258\u57fa\u91d1 (SPY)<\/h2>\n<p>SPDR\u6807\u666e500\u4fe1\u6258\u57fa\u91d1\u4e8e1994\u5e74\u63a8\u51fa\uff0c\u662f\u7f8e\u56fd\u5e02\u573a\u4e0a\u7684\u9996\u53eaETF\u3002SPY\u5b9e\u9645\u4e0a\u662f\u4ee5\u5355\u4f4d\u6295\u8d44\u4fe1\u6258\uff08UIT\uff09\u7684\u5f62\u5f0f\u6784\u5efa\u7684\uff0c\u8fd9\u610f\u5473\u7740\u5b83\u6709\u4e00\u4e2a\u5230\u671f\u65e5\u3002\u8be5\u57fa\u91d1\u8bbe\u8ba1\u4e8e2118\u5e741\u670822\u65e5\uff08\u537311\u4f4d\u7279\u5b9a\u4eba\u58eb\u4e2d\u6700\u540e\u4e00\u4f4d\u53bb\u4e16\u540e20\u5e74\uff09\u7ec8\u6b62\u3002\u57fa\u91d1\u8bf4\u660e\u4e66\u672a\u5217\u51fa\u8fd9\u4e9b\u4eba\u58eb\u59d3\u540d\uff0c\u4f46\u6587\u4ef6\u8bf4\u660e\u4ed6\u4eec\u90fd\u51fa\u751f\u4e8e1990\u5e74\u81f31993\u5e74\u95f4\u3002\u8be5\u57fa\u91d1\u7684\u4f18\u70b9\u662f\u65e0\u53ef\u5339\u654c\u7684\u4ea4\u6613\u91cf\u548c\u6d41\u52a8\u6027\uff0c\u540c\u65f6\u4e70\u5356\u4ef7\u5dee\u6781\u5c0f\u3002\u7f3a\u70b9\u662f\u8d39\u7528\u7387\u9ad8\u4e8e\u540c\u7c7b\u4ea7\u54c1\uff0c\u4e14\u7a0e\u6536\u6548\u7387\u8f83\u4f4e\u3002\u4f8b\u5982\uff0cUIT\u7684\u7ed3\u6784\u610f\u5473\u7740SPY\u65e0\u6cd5\u7acb\u5373\u518d\u6295\u8d44\u80a1\u606f\uff0c\u56e0\u6b64\u53ef\u80fd\u4f1a\u79ef\u7d2f\u73b0\u91d1\u3002<\/p>\n<h2>\u5148\u950b\u6807\u666e500 ETF (VOO)<\/h2>\n<p>2025\u5e742\u6708\uff0c\u5148\u950b\u6807\u666e500 ETF\u5728\u7ba1\u7406\u8d44\u4ea7\uff08AUM\uff09\u4e0a\u8d85\u8d8a\u4e86SPY\uff0c\u6210\u4e3a\u5168\u7403\u6700\u5927\u7684ETF\u3002\u8f83\u4f4e\u7684\u8d39\u7528\u7387\u4fc3\u8fdb\u4e86\u589e\u957f\uff0c\u8fc7\u53bb10\u5e74\u7684\u5e74\u5316\u56de\u62a5\u7387\u4e3a13.62%\uff0c\u76f8\u6bd4SPY\u4e3a13.55%\u3002\u5982\u679c10\u5e74\u524d\u6295\u8d4410\u4e07\u7f8e\u5143\uff0c\u4e24\u53ea\u57fa\u91d1\u7684\u6536\u76ca\u5dee\u4e3a2024\u7f8e\u5143\u2014\u2014\u5047\u8bbe\u672a\u676510\u5e74\u7684\u56de\u62a5\u7387\u76f8\u540c\uff0c\u5dee\u5f02\u5c06\u8fbe\u523013630\u7f8e\u5143\u3002\u6b64\u5916\uff0c\u5148\u950b\u8fd8\u901a\u8fc7\u5171\u540c\u57fa\u91d1\u2014\u2014\u5148\u950b500\u6307\u6570\u57fa\u91d1 Admiral Shares\uff08VFIAX\uff09\u63d0\u4f9b\u6807\u666e500\u6307\u6570\u6295\u8d44\u3002<\/p>\n<h2>iShares\u6838\u5fc3\u6807\u666e500 ETF (IVV)<\/h2>\n<p>iShares\u6838\u5fc3\u6807\u666e500 ETF\u901a\u5e38\u662f\u4f7f\u7528\u5148\u950b\u4ee5\u5916\u6258\u7ba1\u673a\u6784\uff08\u5982\u5bcc\u8fbe\u6216\u7f8e\u6797\uff09\u7684\u6295\u8d44\u8005\u7684\u9009\u62e9\u3002IVV\u63d0\u4f9b\u4e0eVOO\u76f8\u540c\u7684\u4f4e\u6210\u672c\u548c\u6307\u6570\u655e\u53e3\uff0c\u4f46\u53ef\u80fd\u4e0e\u975e\u5148\u950b\u5e73\u53f0\u66f4\u5951\u5408\u3002\u8be5ETF 50\u5929\u7684\u65e5\u5747\u4ea4\u6613\u91cf\u4e3a566\u4e07\u80a1\uff0c\u800cSPY\u4e3a7166\u4e07\u80a1\uff0cVOO\u4e3a635\u4e07\u80a1\u3002IVV\u7ba1\u7406\u8d44\u4ea7\u7ea66500\u4ebf\u7f8e\u5143\uff0c2000\u5e745\u6708\u4e0a\u5e02\uff0c\u665a\u4e8eSPY\uff0c\u4f46\u65e9\u4e8e2010\u5e749\u6708\u63a8\u51fa\u7684VOO\u3002<\/p>\n<h2>\u5bcc\u8fbe500\u6307\u6570\u57fa\u91d1 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