{"id":434298,"date":"2022-08-18T21:19:04","date_gmt":"2022-08-19T04:19:04","guid":{"rendered":"https:\/\/nai500.com\/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\/"},"modified":"2022-08-18T21:19:14","modified_gmt":"2022-08-19T04:19:14","slug":"%e6%8a%95%e8%b3%87%e7%ad%96%e7%95%a5%e6%80%8e%e6%a8%a3%e5%be%9e-1000-%e7%be%8e%e5%85%83%e9%96%8b%e5%a7%8b%e6%8a%95%e8%b3%87","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2022\/08\/%e6%8a%95%e8%b3%87%e7%ad%96%e7%95%a5%e6%80%8e%e6%a8%a3%e5%be%9e-1000-%e7%be%8e%e5%85%83%e9%96%8b%e5%a7%8b%e6%8a%95%e8%b3%87\/","title":{"rendered":"\u6295\u8cc7\u7b56\u7565\uff1a\u600e\u6a23\u5f9e1000\u7f8e\u5143\u958b\u59cb\u6295\u8cc7\uff1f"},"content":{"rendered":"

\u5728\u9019\u500b\u6642\u4ee3\uff0c\u6709\u5927\u91cf\u7684\u6295\u8cc7\u9078\u64c7\u53ef\u4ee5\u9078\u64c7\u3002\u6709\u9019\u9ebc\u591a\u9078\u64c7\u662f\u5f88\u597d\u7684\uff0c\u4f46\u6c7a\u5b9a\u54ea\u500b\u65b9\u5411\u53ef\u80fd\u6703\u8b93\u4eba\u4e0d\u77e5\u6240\u63aa\u3002\u9019\u88e1\u6709\u4e03\u500b\u6295\u8cc7\u9078\u64c7\uff0c\u4ee5\u5e6b\u52a9\u4f60\u958b\u59cb\u3002<\/p>\n

1. \u958b\u59cb\uff08\u6216\u589e\u52a0\uff09\u4e00\u500b\u5132\u84c4\u8cec\u6236<\/h2>\n

\u7531\u65bc\u6700\u597d\u7684\u5e74\u5229\u7387\u4f4e\u65bc1%\uff0c\u628a\u9322\u653e\u5165\u5132\u84c4\u6216\u8ca8\u5e63\u5e02\u5834\u8cec\u6236\u53ef\u80fd\u770b\u8d77\u4f86\u6839\u672c\u5c31\u4e0d\u662f\u4ec0\u9ebc\u6295\u8cc7\u3002\u7136\u800c\uff0c\u6578\u4ee5\u767e\u842c\u8a08\u7684\u5bb6\u5ead\u624b\u982d\u6c92\u6709\u8db3\u5920\u7684\u8cc7\u91d1\u4ee5\u5099\u4e0d\u6642\u4e4b\u9700\u3002\u5982\u679c\u4f60\u5728\u9019\u689d\u8239\u4e0a\uff0c\u9019\u662f\u4e00\u500b\u5f88\u597d\u7684\u958b\u59cb\u3002<\/p>\n

\u4ee5\u4e0b\u662f\u70ba\u4ec0\u9ebc\u628a\u9322\u6295\u5165\u57fa\u672c\u5132\u84c4\u662f\u4e00\u9805\u5049\u5927\u7684\u6295\u8cc7\u3002\u96d6\u7136\u9810\u6e2c\u751f\u6d3b\u4e2d\u7684\u66f2\u6298\u4ee5\u53ca\u5b83\u5011\u4f55\u6642\u767c\u751f\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u4f46\u6e96\u5099\u597d\u4e00\u4e9b\u73fe\u91d1\u7e3d\u662f\u6709\u52a9\u65bc\u7de9\u885d\u6253\u64ca\u3002\u800c\u4e14\uff0c\u5982\u679c\u5b83\u80fd\u4f7f\u4f60\u4e0d\u4ee5\u9ad8\u984d\u5229\u606f\u501f\u9322\uff0c\u90a3\u9ebc\u5132\u84c4\u8cec\u6236\u7684\u5c0f\u984d\u56de\u5831\u5c31\u975e\u5e38\u503c\u5f97\u3002\u722d\u53d6\u81f3\u5c11\u6709\u4e09\u5230\u516d\u500b\u6708\u7684\u73fe\u91d1\u5132\u84c4\u3002<\/p>\n

2. \u6295\u8cc7\u65bc401(k)<\/h2>\n

\u8ab0\u4e0d\u5e0c\u671b\u52a0\u85aa\uff1f\u96d6\u7136\u8a31\u591a\u4eba\u5c0d\u4ed6\u5011\u7684\u5831\u916c\u4e0d\u6eff\u610f\uff0c\u4f46\u4ed6\u5011\u53ef\u80fd\u5ffd\u7565\u4e86\u96c7\u4e3b\u63d0\u4f9b\u7684\u984d\u5916\u85aa\u916c\u798f\u5229\uff1a\u914d\u5957\u7684401\uff08k\uff09\u6216\u985e\u4f3c\u7684\u516c\u53f8\u8d0a\u52a9\u7684\u9000\u4f11\u8a08\u5283\u8cec\u6236\u4f9b\u6b3e\u3002<\/p>\n

\u5176\u6a5f\u5236\u5f88\u7c21\u55ae\u3002\u5982\u679c\u4f60\u7684\u516c\u53f8\u63d0\u4f9b\u5339\u914d\uff0c\u4f01\u696d\u5c07\u4f7f\u4f60\u7684\u8ca2\u737b\u7ffb\u500d\uff0c\u901a\u5e38\u9054\u5230\u4f60\u7e3d\u5de5\u8cc7\u7684\u67d0\u500b\u767e\u5206\u6bd4\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4e00\u500b\u516c\u53f8\u63d0\u4f9b3%\u7684\u5339\u914d\uff0c\u5b83\u5c07\u70ba\u4f60\u6bcf1000\u7f8e\u5143\u7684\u5de5\u8cc7\u8ca2\u737b30\u7f8e\u5143\u3002\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b\u9019\u7a2e\u670d\u52d9\uff0c\u9019\u662f\u4e00\u500b\u5feb\u901f\u800c\u7c21\u55ae\u7684\u65b9\u6cd5\uff0c\u53ef\u4ee5\u4f7f\u4f60\u7684\u9322\u7ffb\u500d\uff0c\u66f4\u4e0d\u7528\u8aaa\u9084\u80fd\u7bc0\u7701\u4e00\u4e9b\u7a05\u6b3e\u3002<\/p>\n

\u4f46\u662f\uff0c\u4e0d\u8981\u53ea\u505c\u7559\u5728\u5339\u914d\u4e0a\u3002\u5c0d\u65bc2022\u5e74\uff0c\u5927\u591a\u6578401(k)\u8a08\u5283\u5141\u8a31\u96c7\u54e1\u7684\u7e3d\u7e73\u6b3e\u984d\u70ba20,500\u7f8e\u5143\uff08\u5982\u679c\u4f60\u7684\u5e74\u9f61\u8d85\u904e50\u6b72\uff0c\u9084\u53ef\u4ee5\u984d\u5916\u589e\u52a06,500\u7f8e\u5143\uff09\u3002\u5982\u679c\u4f60\u67091,000\u7f8e\u5143\u53ef\u4ee5\u6295\u8cc7\uff0c\u8acb\u5411\u4f60\u7684\u4eba\u529b\u8cc7\u6e90\u90e8\u9580\u6216\u798f\u5229\u5c08\u5bb6\u8aee\u8a62\u5982\u4f55\u5c07\u9019\u7b46\u9322\u7559\u4f5c\u9000\u4f11\u4e4b\u7528\u3002<\/p>\n

3. \u6295\u8cc7\u65bcIRA<\/h2>\n

\u5982\u679c\u4f60\u6c92\u6709\u53c3\u52a0\u5de5\u4f5c\u8d0a\u52a9\u7684\u9000\u4f11\u8a08\u5283\uff0c\u6216\u8005\u4f60\u7684\u8a08\u5283\u4e0d\u5141\u8a31\u4f60\u589e\u52a0\u984d\u5916\u7684\u8cc7\u91d1\uff0c\u9019\u5c31\u662f\u500b\u4eba\u9000\u4f11\u8cec\u6236\uff08IRA\uff09\u767c\u63ee\u4f5c\u7528\u7684\u5730\u65b9\u3002<\/p>\n

\u500b\u4eba\u9000\u4f11\u8cec\u6236\u6c92\u6709\u516c\u53f8\u5339\u914d\uff0c\u4f46\u5982\u679c\u4f60\u6709\u6536\u5165\uff08\u5982\u901a\u904e\u4f60\u7684\u5de5\u4f5c\u6216\u81ea\u71df\u8077\u696d\uff09\uff0c\u9019\u7a2e\u9078\u64c7\u662f\u503c\u5f97\u8003\u616e\u7684\u3002\u6709\u5169\u7a2e\u57fa\u672c\u985e\u578b\u7684IRA\uff1a\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b\u3002<\/p>\n

\u5982\u679c\u4f60\u67091000\u7f8e\u5143\uff0c\u5728\u7db2\u4e0a\u7d93\u7d00\u516c\u53f8\u958b\u59cbIRA\u662f\u4e00\u500b\u5049\u5927\u7684\u65b9\u5f0f\uff0c\u958b\u59cb\u52aa\u529b\u5be6\u73fe\u9577\u671f\u7684\u8ca1\u5bcc\u751f\u6210\u30022021\u5e74\uff0c\u6295\u8cc7\u8005\u6700\u591a\u53ef\u4ee5\u5411IRA\u5b58\u51656000\u7f8e\u5143\uff0c\u5982\u679c\u4f60\u7684\u5e74\u9f61\u8d85\u904e50\u6b72\uff0c\u6700\u591a\u53ef\u4ee5\u984d\u5916\u5b58\u51651000\u7f8e\u5143\u3002<\/p>\n

4. \u958b\u8a2d\u4e00\u500b\u61c9\u7a05\u7d93\u7d00\u8cec\u6236<\/h2>\n

\u5982\u679c\u4f60\u5df2\u7d93\u7528\u76e1\u4e86\u524d\u4e09\u500b\u9078\u64c7\uff0c\u4f46\u4ecd\u67091000\u7f8e\u5143\u53ef\u4ee5\u6295\u8cc7\uff0c\u90a3\u9ebc\u958b\u8a2d\u4e00\u500b\u61c9\u7a05\u6295\u8cc7\u8cec\u6236\u662f\u53e6\u4e00\u500b\u53ef\u9760\u7684\u9078\u64c7\u3002\u628a\u5b83\u770b\u4f5c\u662f\u4e00\u500b\u5132\u84c4\u8cec\u6236\uff0c\u7136\u800c\uff0c\u6f5b\u5728\u7684\u4e0a\u5347\u7a7a\u9593\u8981\u6bd4\u5132\u84c4\u8cec\u6236\u9ad8\u3002<\/p>\n

\u8aa0\u7136\uff0c\u6240\u6709\u7684\u6295\u8cc7\u90fd\u6d89\u53ca\u98a8\u96aa\uff0c\u800c\u4e14\u4e0d\u80fd\u4fdd\u8b49\u4f60\u5728\u9019\u500b\u904e\u7a0b\u4e2d\u4e0d\u6703\u640d\u5931\u4f60\u76841000\u7f8e\u5143\u3002\u7136\u800c\uff0c\u5728\u7d93\u7d00\u8cec\u6236\u4e2d\u6709\u5f88\u591a\u9078\u64c7\uff0c\u53ef\u4ee5\u5e6b\u52a9\u6e1b\u8f15\u6295\u8cc7\u6240\u5e36\u4f86\u7684\u52d5\u76ea\u3002\u53e6\u5916\uff0c\u8acb\u8a18\u4f4f\uff0c\u5b58\u51651000\u7f8e\u5143\u61c9\u8a72\u50c5\u50c5\u662f\u4e00\u500b\u958b\u59cb\u3002\u5982\u679c\u4f60\u5b9a\u671f\u5b58\u6b3e\uff0c\u6295\u8cc7\u6548\u679c\u6700\u597d\uff0c\u8d8a\u983b\u7e41\u8d8a\u597d\u3002\u4e00\u65e6\u4f60\u5efa\u7acb\u4e86\u4e00\u500b\u7d93\u7d00\u8cec\u6236\uff0c\u8003\u616e\u8a2d\u7f6e\u4e00\u500b\u7d93\u5e38\u6027\u7684\u5b58\u6b3e\uff08\u4e5f\u8a31\u662f\u6bcf\u6708\u6216\u6bcf\u5b63\u5ea6\uff09\uff0c\u7e7c\u7e8c\u671d\u8457\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\u767c\u5c55\u3002<\/p>\n

5. \u6295\u8cc7\u65bcETF<\/h2>\n

\u5728\u4f60\u958b\u8a2dIRA\u6216\u7d93\u7d00\u8cec\u6236\u5f8c\uff0c\u662f\u6642\u5019\u958b\u59cb\u9078\u64c7\u6295\u8cc7\u65b9\u5411\u4e86\u3002\u5982\u679c\u4f60\u525b\u525b\u958b\u59cb\uff0c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u662f\u4e00\u500b\u5f88\u597d\u7684\u958b\u59cb\u3002<\/p>\n

\u6709\u6578\u4ee5\u5343\u8a08\u7684ETF\u53ef\u4f9b\u9078\u64c7\u3002\u5982\u679c\u4f60\u67091,000\u7f8e\u5143\uff0c\u5b78\u7fd2\u5982\u4f55\u6295\u8cc7ETF\uff0c\u958b\u59cb\u4f60\u7684\u6295\u8cc7\u4e4b\u65c5\u3002<\/p>\n

6. \u4f7f\u7528\u6a5f\u5668\u4eba\u9867\u554f<\/h2>\n

\u5c0d\u5c0b\u627e\u548c\u7ba1\u7406\u6295\u8cc7\u7d44\u5408\u4e0d\u611f\u8208\u8da3\uff1f\u8003\u616e\u4f7f\u7528\u6a5f\u5668\u4eba\u9867\u554f\u3002\u6a5f\u5668\u4eba\u9867\u554f\u662f\u4e00\u7a2e\u5728\u7dda\u670d\u52d9\uff0c\u53ef\u4ee5\u5c07\u8ca1\u52d9\u8a08\u5283\u548c\u6295\u8cc7\u7d44\u5408\u7ba1\u7406\u7684\u67d0\u4e9b\u90e8\u5206\u81ea\u52d5\u5316\u3002<\/p>\n

\u9019\u4e9b\u5929\u4f86\uff0c\u6709\u5f88\u591a\u6a5f\u5668\u4eba\u9867\u554f\u53ef\u4f9b\u9078\u64c7\u3002\u4ed6\u5011\u4e2d\u7684\u5927\u591a\u6578\u4eba\u5e7e\u4e4e\u6c92\u6709\u6700\u4f4e\u521d\u59cb\u5b58\u6b3e\u984d\uff081,000\u7f8e\u5143\u5c31\u8db3\u5920\u958b\u59cb\u4e86\uff09\uff0c\u4e26\u5c07\u9078\u64c7\u4e00\u7c43\u5b50\u57fa\u91d1\u6216ETF\uff0c\u70ba\u4f60\u7684\u9577\u671f\u76ee\u6a19\u91cf\u8eab\u5b9a\u505a\u3002\u7ba1\u7406\u8cbb\u901a\u5e38\u4f4e\u65bc\u6bcf\u5e740.3%\uff08\u6bcf1,000\u7f8e\u5143\uff0c\u5373\u6bcf\u5e74\u5411\u4f60\u7684\u8cec\u6236\u6536\u53d63\u7f8e\u5143\uff09\uff0c\u800c\u4e14\u8a72\u670d\u52d9\u5c07\u5e6b\u52a9\u4f60\u5236\u5b9a\u4e00\u500b\u5b9a\u671f\u5b58\u6b3e\u8a08\u5283\uff0c\u4ee5\u5e6b\u52a9\u4f60\u9054\u5230\u6700\u7d42\u7684\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n

7. \u6295\u8cc7\u65bc\u80a1\u7968<\/h2>\n

\u5982\u679c\u4f60\u60f3\u66f4\u591a\u5730\u63a7\u5236\u4f60\u7684\u6295\u8cc7\uff0c\u53ef\u4ee5\u8003\u616e\u8cfc\u8cb7\u500b\u4eba\u80a1\u7968\u3002\u5373\u4f7f\u67091,000\u7f8e\u5143\uff0c\u4e5f\u6709\u53ef\u80fd\u5efa\u7acb\u4e00\u500b\u5168\u9762\u7684\u555f\u52d5\u80a1\u7968\u7d44\u5408\u3002\u8a31\u591a\u7d93\u7d00\u516c\u53f8\u751a\u81f3\u5141\u8a31\u6295\u8cc7\u8005\u8cfc\u8cb7\u90a3\u4e9b\u80a1\u50f9\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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