{"id":423142,"date":"2022-05-05T21:27:49","date_gmt":"2022-05-06T04:27:49","guid":{"rendered":"https:\/\/nai500.com\/blog\/2022\/05\/%e5%a6%82%e4%bd%95%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\/"},"modified":"2022-05-06T02:55:58","modified_gmt":"2022-05-06T09:55:58","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%af%e5%84%b2%e9%80%99%e4%b8%80%e8%bc%aa%e5%8d%87%e6%81%af%e5%b8%b6%e4%be%86%e7%9a%84%e6%a9%9f%e6%9c%83","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/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%af%e5%84%b2%e9%80%99%e4%b8%80%e8%bc%aa%e5%8d%87%e6%81%af%e5%b8%b6%e4%be%86%e7%9a%84%e6%a9%9f%e6%9c%83\/","title":{"rendered":"\u5982\u4f55\u591a\u65b9\u9762\u5229\u7528\u7f8e\u806f\u5132\u9019\u4e00\u8f2a\u5347\u606f\u5e36\u4f86\u7684\u6a5f\u6703"},"content":{"rendered":"

\u70ba\u4e86\u904f\u5236\u9ad8\u901a\u8139\uff0c\u7f8e\u806f\u5132\u9031\u4e09\u5c07\u95dc\u9375\u7684\u77ed\u671f\u5229\u7387\u63d0\u9ad8\u4e86\u534a\u500b\u767e\u5206\u9ede\u2013\u9019\u662f22\u5e74\u4f86\u7b2c\u4e00\u6b21\u5982\u6b64\u5927\u898f\u6a21\u7684\u52a0\u606f\u3002<\/p>\n

\u96d6\u7136\u7f8e\u570b\u7d93\u6fdf\u4ecd\u5728\u76f8\u7576\u4f4e\u7684\u5229\u7387\u74b0\u5883\u4e2d\u904b\u884c\uff0c\u4f46\u9019\u4e0d\u6703\u6301\u7e8c\u592a\u4e45\u3002\u9810\u8a08\u5c07\u5728\u672a\u4f86\u5e7e\u500b\u6708\u5167\u518d\u52a0\u606f\u5e7e\u6b21\uff0c\u4f46\u52a0\u606f\u5e45\u5ea6\u9084\u4e0d\u6e05\u695a\u3002<\/p>\n

Bankrate.com\u7684\u9996\u5e2d\u91d1\u878d\u5206\u6790\u5e2bGreg McBride\u8aaa\uff1a\u201c\u901a\u8ca8\u81a8\u8139\u662f\u8eca\u8f2a\u4e0a\u7684\u6a1e\u7d10\uff0c\u5c07\u6c7a\u5b9a\u7f8e\u806f\u5132\u9700\u8981\u52a0\u606f\u7684\u7a0b\u5ea6\u548c\u983b\u7387\u201d\u3002<\/p>\n

\u7f8e\u806f\u5132\u4e3b\u5e2d\u5091\u7f85\u59c6\u00b7\u9b91\u5a01\u723e\u5728\u4e00\u6b21\u65b0\u805e\u767c\u4f48\u6703\u4e0a\u8868\u793a\uff0c\u4ed6\u9810\u8a08\u81f3\u5c11\u5728\u63a5\u4e0b\u4f86\u7684\u5e7e\u6b21\u6703\u8b70\u4e0a\u9084\u6703\u52a0\u606f 0.5 \u500b\u767e\u5206\u9ede\u3002<\/p>\n

\u63d0\u9ad8\u5229\u7387\u4ee5\u6291\u5236\u901a\u8ca8\u81a8\u8139\u5c07\u4f7f\u501f\u8cb8\u6210\u672c\u66f4\u9ad8\uff0c\u4e26\u4e14\u9084\u53ef\u80fd\u5c0e\u81f4\u7d93\u6fdf\u8870\u9000\u3002\u4f46\u662f\uff0c\u6709\u5e7e\u7a2e\u65b9\u6cd5\u53ef\u4ee5\u4f7f\u4f60\u7684\u8cc7\u91d1\u5b9a\u4f4d\uff0c\u4ee5\u4fbf\u4f60\u80fd\u5f9e\u5229\u7387\u4e0a\u5347\u7684\u74b0\u5883\u4e2d\u53d7\u76ca\uff0c\u540c\u6642\u4e5f\u80fd\u4fdd\u8b77\u81ea\u5df1\u514d\u53d7\u4e0d\u5229\u5f71\u97ff\u3002<\/p>\n

\u4fe1\u7528\u5361\uff1a\u5118\u91cf\u6e1b\u5c11\u640d\u5931<\/h2>\n

\u7576\u806f\u90a6\u57fa\u91d1\u5229\u7387\uff08\u4e5f\u88ab\u7a31\u70ba\u9280\u884c\u9694\u591c\u8cb8\u6b3e\u5229\u7387\uff09\u4e0a\u5347\u6642\uff0c\u5c07\u63a8\u9ad8\u9280\u884c\u5411\u5176\u5ba2\u6236\u63d0\u4f9b\u7684\u5404\u7a2e\u8cb8\u6b3e\u5229\u7387\u3002McBride\u8aaa\uff1a\u56e0\u6b64\uff0c\u4f60\u53ef\u4ee5\u9810\u671f\u5728\u5e7e\u4efd\u5831\u8868\u4e2d\u770b\u5230\u4f60\u7684\u4fe1\u7528\u5361\u5229\u7387\u4e0a\u5347\u3002<\/p>\n

\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361\u6709\u9918\u984d\uff08\u901a\u5e38\u6709\u5f88\u9ad8\u7684\u6d6e\u52d5\u5229\u7387\uff09\uff0c\u8003\u616e\u5c07\u5b83\u5011\u8f49\u79fb\u5230\u96f6\u5229\u7387\u7684\u9918\u984d\u8f49\u79fb\u5361\u4e0a\uff0c\u8a72\u5361\u5c07\u96f6\u5229\u7387\u9396\u5b9a 12 \u5230 21 \u500b\u6708\u3002<\/p>\n

McBride\u8aaa\uff1a\u201d\u9019\u4f7f\u4f60\u5728\u672a\u4f86\u4e00\u5e74\u534a\u7684\u6642\u9593\u88e1\u514d\u53d7\u5229\u7387\u4e0a\u6f32\u7684\u5f71\u97ff\uff0c\u4e26\u70ba\u4f60\u63d0\u4f9b\u4e86\u4e00\u500b\u660e\u78ba\u7684\u8dd1\u9053\uff0c\u4ee5\u4fbf\u4e00\u52de\u6c38\u9038\u5730\u9084\u6e05\u50b5\u52d9\u3002\u66f4\u5c11\u7684\u50b5\u52d9\u548c\u66f4\u591a\u7684\u5132\u84c4\u5c07\u4f7f\u4f60\u80fd\u5920\u66f4\u597d\u5730\u61c9\u5c0d\u5229\u7387\u7684\u4e0a\u5347\uff0c\u5982\u679c\u7d93\u6fdf\u4e0b\u6ed1\uff0c\u9019\u4e00\u9ede\u5c24\u5176\u6709\u50f9\u503c\u3002\u201d<\/p>\n

\u5982\u679c\u4f60\u4e0d\u8f49\u5230\u96f6\u5229\u7387\u7684\u9918\u984d\u5361\uff0c\u53e6\u4e00\u500b\u9078\u64c7\u53ef\u80fd\u662f\u7372\u5f97\u4e00\u500b\u76f8\u5c0d\u8f03\u4f4e\u7684\u56fa\u5b9a\u5229\u7387\u7684\u500b\u4eba\u8cb8\u6b3e\u3002<\/p>\n

\u5728\u4efb\u4f55\u60c5\u6cc1\u4e0b\uff0c\u6700\u597d\u7684\u5efa\u8b70\u662f\u76e1\u4e00\u5207\u52aa\u529b\u8fc5\u901f\u511f\u9084\u9918\u984d\u3002<\/p>\n

\u623f\u5c4b\u8cb8\u6b3e\uff1a\u73fe\u5728\u5c31\u9396\u5b9a\u56fa\u5b9a\u5229\u7387<\/h2>\n

\u904e\u53bb\u4e00\u5e74\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4e00\u76f4\u5728\u4e0a\u5347\u3002\u800c\u4e14\u9019\u7a2e\u60c5\u6cc1\u53ef\u80fd\u6703\u7e7c\u7e8c\u4e0b\u53bb\u3002<\/p>\n

McBride\u6307\u51fa\uff1a\u201c\u81ea\u4eca\u5e74\u5e74\u521d\u4ee5\u4f86\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5df2\u7d93\u6574\u6574\u8e8d\u5347\u4e86\u5169\u500b\u767e\u5206\u9ede\uff0c\u5f9e3.27%\u5347\u81f35.28%\u3002\u5982\u679c\u4f60\u63a5\u8fd1\u8cb7\u623f\u6216\u518d\u878d\u8cc7\uff0c\u8acb\u5118\u5feb\u9396\u5b9a\u4f60\u80fd\u5f97\u5230\u7684\u6700\u4f4e\u56fa\u5b9a\u5229\u7387\u201d\u3002<\/p>\n

\u5fb7\u514b\u85a9\u65af\u5dde\u7684\u8a3b\u518a\u7406\u8ca1\u898f\u5283\u5e2b Lacy Rogers \u8aaa\uff1a\u201c\u4e0d\u8981\u56e0\u70ba\u5229\u7387\u53ef\u80fd\u4e0a\u5347\u5c31\u6025\u65bc\u8cfc\u8cb7\u4e00\u500b\u4e0d\u9069\u5408\u4f60\u7684\u5927\u4ef6\u7269\u54c1\u3002\u6025\u65bc\u8cfc\u8cb7\u50cf\u623f\u5b50\u6216\u6c7d\u8eca\u9019\u6a23\u4e0d\u7b26\u5408\u4f60\u9810\u7b97\u7684\u5927\u4ef6\u7269\u54c1\uff0c\u7121\u8ad6\u672a\u4f86\u5229\u7387\u5982\u4f55\uff0c\u9019\u90fd\u662f\u9ebb\u7169\u7684\u6839\u6e90\u201d\u3002<\/p>\n

\u5982\u679c\u4f60\u5df2\u7d93\u64c1\u6709\u6d6e\u52d5\u5229\u7387\u7684\u623f\u5c4b\u6de8\u503c\u4fe1\u8cb8\u984d\u5ea6\uff0c\u4e26\u4e14\u4f60\u7528\u5176\u4e2d\u4e00\u90e8\u5206\u4f86\u9032\u884c\u623f\u5c4b\u88dd\u4fee\uff0cMcBride\u5efa\u8b70\u8a62\u554f\u4f60\u7684\u8cb8\u6b3e\u4eba\uff0c\u4ed6\u5011\u662f\u5426\u9858\u610f\u56fa\u5b9a\u4f60\u7684\u672a\u511f\u9084\u9918\u984d\u7684\u5229\u7387\u3002\u5047\u8a2d\u4f60\u670950,000\u7f8e\u5143\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u4f46\u53ea\u7528\u4e8620,000\u7f8e\u5143\u9032\u884c\u88dd\u4fee\uff0c\u4f60\u53ef\u4ee5\u8981\u6c42\u5c0d\u901920,000\u7f8e\u5143\u63a1\u7528\u56fa\u5b9a\u5229\u7387\u3002<\/p>\n

McBride\u5efa\u8b70\uff1a\u5982\u679c\u9019\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u53ef\u4ee5\u8003\u616e\u901a\u904e\u5411\u53e6\u4e00\u500b\u8cb8\u6b3e\u4eba\u7533\u8acb\u8f03\u4f4e\u7684\u4fc3\u92b7\u5229\u7387\u4f86\u652f\u4ed8\u8a72\u9918\u984d\u3002<\/p>\n

\u9280\u884c\u5132\u84c4\uff1a\u8ca8\u6bd4\u4e09\u5bb6<\/h2>\n

McBride\u8aaa\uff0c\u5982\u679c\u4f60\u4e00\u76f4\u5c07\u73fe\u91d1\u5b58\u653e\u5728\u5e7e\u4e4e\u6c92\u6709\u70ba\u5132\u84c4\u8cec\u6236\u652f\u4ed8\u5229\u606f\u7684\u5927\u9280\u884c\uff0c\u4e0d\u8981\u6307\u671b\u9019\u7a2e\u60c5\u6cc1\u6703\u56e0\u70ba\u7f8e\u806f\u5132\u52a0\u606f\u800c\u6539\u8b8a\u3002\u9019\u662f\u7531\u65bc\u5927\u9280\u884c\u7684\u5b58\u6b3e\u5f88\u5145\u8db3\uff0c\u4e0d\u9700\u8981\u64d4\u5fc3\u5438\u5f15\u65b0\u5ba2\u6236\u7684\u554f\u984c\u3002<\/p>\n

\u4f46\u7db2\u4e0a\u9280\u884c\u5e0c\u671b\u4fdd\u7559\u6d3b\u671f\u8cec\u6236\u4e26\u5438\u5f15\u66f4\u591a\u696d\u52d9\uff0c\u5b83\u5011\u63d0\u4f9b\u7684\u5229\u7387\u8981\u597d\u5f97\u591a\uff0c\u800c\u4e14\u96a8\u8457\u57fa\u6e96\u5229\u7387\u7684\u63d0\u9ad8\uff0c\u5b83\u5011\u4e5f\u5728\u7a4d\u6975\u63d0\u9ad8\u5229\u7387\u3002\u56e0\u6b64\uff0c\u503c\u5f97\u8ca8\u6bd4\u4e09\u5bb6\u3002<\/p>\n

\u80a1\u7968\uff1a\u8003\u616e\u5b9a\u50f9\u80fd\u529b<\/h2>\n

\u8499\u7279\u5229\u723e\u9280\u884c\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8(BMO Wealth Management)\u7684\u9996\u5e2d\u6295\u8cc7\u5b98Michael Stritch\u8aaa\uff0c\u5728\u6c7a\u5b9a\u662f\u5426\u6295\u8cc7\u65bc\u53ef\u80fd\u5728\u5229\u7387\u4e0a\u5347\u74b0\u5883\u4e2d\u8868\u73fe\u826f\u597d\u7684\u516c\u53f8\u6216\u884c\u696d\u6642\u2013\u7279\u5225\u662f\u4ee5\u7d93\u6fdf\u5f37\u52c1\u3001\u4f9b\u61c9\u93c8\u4e2d\u65b7\u548c\u5546\u54c1\u50f9\u683c\u4e0a\u6f32\u63a8\u52d5\u7684\u901a\u8ca8\u81a8\u8139\u70ba\u7279\u5fb5\u7684\u516c\u53f8\u6642\uff0c\u8981\u8003\u616e\uff1a\u201d\u5728\u901a\u8ca8\u81a8\u8139\u74b0\u5883\u4e2d\uff0c\u54ea\u4e9b\u516c\u53f8\u5c07\u6709\u5b9a\u50f9\u6b0a\uff1f<\/p>\n

\u91d1\u878d\u670d\u52d9\u4f01\u696d\uff08\u6bd4\u5982\u9280\u884c\uff09\u901a\u5e38\u5728\u5229\u7387\u4e0a\u5347\u7684\u74b0\u5883\u4e2d\u8868\u73fe\u826f\u597d\uff0c\u9664\u5176\u4ed6\u5916\uff0c\u4ed6\u5011\u5728\u8cb8\u6b3e\u4e0a\u8cfa\u4e86\u66f4\u591a\u7684\u9322\u3002\u4fdd\u96aa\u516c\u53f8\u4e5f\u80fd\u7e41\u69ae\uff0c\u90e8\u5206\u539f\u56e0\u662f\u4ed6\u5011\u5728\u6295\u8cc7\u7d44\u5408\u4e2d\u6301\u6709\u7684\u8b49\u5238\u7684\u6536\u76ca\u7387\u4e0a\u5347\u3002<\/p>\n

\u901a\u5e38\u60c5\u6cc1\u4e0b\uff0c\u623f\u5730\u7522\u53ef\u80fd\u6703\u53d7\u5230\u5229\u7387\u4e0a\u5347\u7684\u50b7\u5bb3\u3002\u4f46Stritch\u8aaa\uff0c\u7531\u65bc\u63a8\u52d5\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u768410\u5e74\u671f\u570b\u50b5\u6536\u76ca\u7387\u5728\u904e\u53bb\u4e00\u5e74\u5df2\u7d93\u5f37\u52c1\u4e0a\u6f32\uff0c\u5b83\u53ef\u80fd\u4e0d\u6703\u5f9e\u73fe\u5728\u7684\u6c34\u5e73\u5927\u5e45\u8df3\u5347\u3002<\/p>\n

\u9452\u65bc\u4eca\u5e74\u53ef\u80fd\u9084\u6703\u6709\u4e00\u6bb5\u6301\u7e8c\u7684\u901a\u8ca8\u81a8\u8139\u671f\uff0c\u5982\u679c\u76f8\u95dc\u516c\u53f8\u901a\u904e\u63d0\u9ad8\u79df\u91d1\u3001\u9152\u5e97\u5ba2\u623f\u50f9\u683c\u7b49\u4f86\u589e\u52a0\u6536\u5165\uff0c\u901a\u904e\u623f\u5730\u7522\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u5c0d\u623f\u5730\u7522\u9032\u884c\u4e00\u4e9b\u6295\u8cc7\u53ef\u80fd\u6703\u6709\u826f\u597d\u7684\u6536\u5165\u548c\u589e\u9577\u6f5b\u529b\u3002<\/p>\n

Flynn Zito Capital Management \u7684\u806f\u5408\u5275\u59cb\u4eba\u3001\u8a8d\u8b49\u8ca1\u52d9\u898f\u5283\u5e2b Doug Flynn \u8868\u793a\uff1a\u79d1\u6280\u516c\u53f8\u901a\u5e38\u4e5f\u4e0d\u6703\u5f9e\u66f4\u9ad8\u7684\u5229\u7387\u4e2d\u53d7\u76ca\u3002\u4f46\u8003\u616e\u5230\u96f2\u8a08\u7b97\u548c\u8edf\u4ef6\u670d\u52d9\u63d0\u4f9b\u5546\u5411\u5ba2\u6236\u767c\u4f48\u8a02\u95b1\u50f9\u683c\uff0c\u9019\u4e9b\u53ef\u80fd\u6703\u96a8\u8457\u901a\u8ca8\u81a8\u8139\u4e0a\u5347\u3002<\/p>\n

\u50b5\u5238\uff1a\u505a\u7a7a<\/h2>\n

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Flynn \u8868\u793a\uff1a\u201d\u77ed\u671f\u50b5\u5238\u6709\u4e00\u500b\u76f8\u7576\u597d\u7684\u6a5f\u6703\uff0c\u5b83\u5011\u88ab\u56b4\u91cd\u932f\u4f4d\u3002\u201d<\/p>\n

\u9452\u65bc\u4eca\u5929\u7684\u9ad8\u901a\u8ca8\u81a8\u8139\u7387\uff0c\u7cfb\u5217 I\u5132\u84c4\u50b5\u5238\u53ef\u80fd\u6709\u5438\u5f15\u529b\uff0c\u5b83\u5011\u65e8\u5728\u4fdd\u6301\u4f60\u8cc7\u91d1\u7684\u8cfc\u8cb7\u529b\u3002\u5b83\u5011\u76ee\u524d\u7684\u5229\u7387\u662f9.62%\u3002\u4f46\u9019\u4e00\u5229\u7387\u53ea\u5728\u516d\u500b\u6708\u5167\u6709\u6548\uff0c\u800c\u4e14\u53ea\u6709\u7576\u4f60\u572810\u6708\u5e95\u524d\u8cfc\u8cb7I\u578b\u50b5\u5238\u6642\u624d\u6709\u6548\uff0c\u4e4b\u5f8c\u5229\u7387\u5c07\u6309\u8a08\u5283\u8abf\u6574\u3002\u5982\u679c\u901a\u8ca8\u81a8\u8139\u4e0b\u964d\uff0cI\u578b\u50b5\u5238\u7684\u5229\u7387\u4e5f\u6703\u4e0b\u964d\u3002<\/p>\n

\u6709\u4e00\u4e9b\u9650\u5236\uff1a\u4f60\u6bcf\u5e74\u53ea\u80fd\u6295\u8cc71\u842c\u7f8e\u5143\u3002\u4f60\u4e0d\u80fd\u5728\u7b2c\u4e00\u5e74\u8d16\u56de\u5b83\u3002\u5982\u679c\u4f60\u5728\u7b2c\u4e8c\u5e74\u548c\u7b2c\u4e94\u5e74\u4e4b\u9593\u514c\u73fe\uff0c\u4f60\u5c07\u5931\u53bb\u524d\u4e09\u500b\u6708\u7684\u5229\u606f\u3002<\/p>\n

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Flynn \u8868\u793a\uff1a\u5176\u4ed6\u53ef\u80fd\u8868\u73fe\u826f\u597d\u7684\u8cc7\u7522\u662f\u4f86\u81ea\u9700\u8981\u7c4c\u96c6\u73fe\u91d1\u7684\u516c\u53f8\u7684\u6240\u8b02\u6d6e\u52d5\u5229\u7387\u5de5\u5177\u3002<\/p>\n

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\u4ed6\u8aaa\uff1a\u201c\u6211\u5728401\uff08k\uff09\u4e2d\u6c92\u6709\u770b\u5230\u5f88\u591a\u9019\u6a23\u7684\u9078\u64c7\u3002\u4f46\u4f60\u7e3d\u662f\u53ef\u4ee5\u8981\u6c42\u4f60\u7684401(k)\u4f9b\u61c9\u5546\u5728\u4f60\u7684\u96c7\u4e3b\u8a08\u5283\u4e2d\u52a0\u5165\u9019\u4e00\u9078\u9805\u201d\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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