{"id":380574,"date":"2021-05-03T15:15:19","date_gmt":"2021-05-03T22:15:19","guid":{"rendered":"https:\/\/nai500.com\/?p=380574"},"modified":"2021-05-05T11:29:21","modified_gmt":"2021-05-05T18:29:21","slug":"%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b3%87-%e5%85%a5%e9%96%801-%e6%8a%95%e8%b3%87-%e9%80%94%e5%be%91","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2021\/05\/%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b3%87-%e5%85%a5%e9%96%801-%e6%8a%95%e8%b3%87-%e9%80%94%e5%be%91\/","title":{"rendered":"\u5317\u7f8e\u80a1\u7968\u6295\u8cc7\u5165\u95801 \u2013 \u6295\u8cc7\u9014\u5f91"},"content":{"rendered":"

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\u672c\u6587\u5171\u6709\u5169\u500b\u90e8\u5206\uff0c\u5728\u6b64\u67e5\u770b\u672c\u6587\u7684\u7b2c\u4e8c\u90e8\u5206<\/strong><\/a>\u3002<\/p>\n

\u5728\u9019\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u5011\u5c07\u5f15\u5c0e\u4f60\u5982\u4f55\u9032\u884c\u80a1\u7968\u6295\u8cc7\uff0c\u5305\u62ec\u78ba\u5b9a\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u64d4\u7a0b\u5ea6\u3001\u5728\u5317\u7f8e\u6295\u8cc7\u7684\u9014\u5f91\u548c\u6ce8\u610f\u4e8b\u9805\uff0c\u4ee5\u53ca\u5982\u4f55\u5728\u6700\u5c0f\u5316\u6210\u672c\u7684\u540c\u6642\u5be6\u73fe\u6536\u76ca\u6700\u5927\u5316\u3002<\/span><\/p>\n

\u4f60\u662f\u54ea\u7a2e\u985e\u578b\u7684\u6295\u8cc7\u8005\uff1f<\/strong><\/h2>\n

\u5728\u4f60\u6295\u5165\u8cc7\u91d1\u4e4b\u524d\uff0c\u4f60\u9700\u8981\u56de\u7b54\u4e00\u500b\u554f\u984c\uff0c\u6211\u662f\u54ea\u7a2e\u985e\u578b\u7684\u6295\u8cc7\u8005\uff1f\u5728\u958b\u7acb\u7d93\u7d00\u8cec\u6236\u6642\uff0c\u50cf<\/span>Charles Schwab<\/span><\/a>\u6216<\/span>Fidelity<\/span><\/a>\u9019\u6a23\u7684\u5728\u7dda\u7d93\u7d00\u4eba\u6703\u8a62\u554f\u4f60\u7684\u6295\u8cc7\u76ee\u6a19\u4ee5\u53ca\u4f60\u9858\u610f\u627f\u64d4\u591a\u5c11\u98a8\u96aa\u3002<\/span><\/p>\n

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\u5728\u7dda\u7d93\u7d00\u5546<\/strong><\/h2>\n

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\u6a5f\u5668\u4eba\u9867\u554f<\/strong><\/h2>\n

\u57282008\u5e74\u91d1\u878d\u5371\u6a5f\u4e4b\u5f8c\uff0c\u4e00\u500b\u65b0\u7684\u6295\u8cc7\u9867\u554f\u54c1\u7a2e\u8a95\u751f\u4e86\uff1a<\/span>\u6a5f\u5668\u4eba\u9867\u554f<\/span><\/a>\u3002<\/span>Betterment<\/span><\/a>\u7684Jon Stein\u548cEli Broverman\u901a\u5e38\u88ab\u8a8d\u70ba\u662f\u8a72\u9818\u57df\u7684\u7b2c\u4e00\u4eba\u3002<\/span>2<\/span>\u4ed6\u5011\u7684\u4efb\u52d9\u662f\u5229\u7528\u6280\u8853\u4f86\u964d\u4f4e\u6295\u8cc7\u8005\u7684\u6210\u672c\u4e26\u7c21\u5316\u6295\u8cc7\u5efa\u8b70\u3002<\/span><\/p>\n

\u81eaBetterment\u63a8\u51fa\u4ee5\u4f86\uff0c\u5176\u4ed6\u6a5f\u5668\u4eba\u5148\u884c\u7684\u516c\u53f8\u4e5f\u76f8\u7e7c\u6210\u7acb\uff0c\u751a\u81f3\u50cf\u67e5\u723e\u65af-\u65bd\u74e6\u5e03\uff08Charles Schwab\uff09\u9019\u6a23\u7684\u8001\u724c\u5728\u7dda\u7d93\u7d00\u516c\u53f8\u4e5f\u589e\u52a0\u4e86\u985e\u4f3c\u6a5f\u5668\u4eba\u7684\u8aee\u8a62\u670d\u52d9\u3002\u6839\u64da\u67e5\u723e\u65af-\u65bd\u74e6\u5e03\uff08Charles Schwab\uff09\u7684\u4e00\u4efd\u5831\u544a\uff0c58%\u7684\u7f8e\u570b\u4eba\u8aaa\u4ed6\u5011\u5c07\u57282025\u5e74\u4e4b\u524d\u4f7f\u7528\u67d0\u7a2e\u6a5f\u5668\u4eba\u9867\u554f\u3002<\/span>3<\/span>\u5982\u679c\u4f60\u60f3\u8981\u4e00\u500b\u7b97\u6cd5\u4f86\u70ba\u4f60\u505a\u51fa\u5305\u62ec\u7a05\u6536\u640d\u5931\u6536\u7a6b\u548c\u91cd\u65b0\u5e73\u8861\u5728\u5167\u7684\u6295\u8cc7\u6c7a\u5b9a\uff0c\u6a5f\u5668\u4eba\u9867\u554f\u53ef\u80fd\u9069\u5408\u4f60\u3002\u800c\u6b63\u5982<\/span>\u6307\u6578\u6295\u8cc7<\/span><\/a>\u7684\u6210\u529f\u8868\u660e\uff0c\u5982\u679c\u4f60\u7684\u76ee\u6a19\u662f\u9577\u671f\u7684\u8ca1\u5bcc\u7a4d\u7d2f\uff0c\u6a5f\u5668\u4eba\u9867\u554f\u53ef\u80fd\u505a\u5f97\u66f4\u597d\u3002<\/span><\/p>\n

\u901a\u904e\u4f60\u7684\u96c7\u4e3b\u6295\u8cc7<\/strong><\/h2>\n

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