{"id":588125,"date":"2025-08-18T02:08:54","date_gmt":"2025-08-18T09:08:54","guid":{"rendered":"https:\/\/nai500.com\/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\/"},"modified":"2025-08-18T02:09:34","modified_gmt":"2025-08-18T09:09:34","slug":"%e7%b2%be%e9%81%b85%e5%8f%aa%e6%a8%99%e6%99%ae500%e6%8c%87%e6%95%b8%e5%9f%ba%e9%87%91%ef%bc%8c%e6%8a%8a%e6%8f%a1%e7%be%8e%e8%82%a1%e9%95%b7%e7%89%9b%e7%b4%85%e5%88%a9","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2025\/08\/%e7%b2%be%e9%81%b85%e5%8f%aa%e6%a8%99%e6%99%ae500%e6%8c%87%e6%95%b8%e5%9f%ba%e9%87%91%ef%bc%8c%e6%8a%8a%e6%8f%a1%e7%be%8e%e8%82%a1%e9%95%b7%e7%89%9b%e7%b4%85%e5%88%a9\/","title":{"rendered":"\u7cbe\u90785\u53ea\u6a19\u666e500\u6307\u6578\u57fa\u91d1\uff0c\u628a\u63e1\u7f8e\u80a1\u9577\u725b\u7d05\u5229"},"content":{"rendered":"<p>\u6a19\u666e500\u6307\u6578\u6500\u5347\u81f3\u65b0\u9ad8\uff0c\u5c0d\u65bc\u60f3\u8981\u6295\u8cc7\u7f8e\u80a1\uff0c\u5c24\u5176\u662f\u9577\u671f\u88ab\u52d5\u985e\u578b\u7684\u6295\u8cc7\u8005\uff0c\u6a19\u666e500\u6307\u6578\u57fa\u91d1\u6216\u8a31\u662f\u6700\u7406\u60f3\u7684\u9078\u64c7\uff0c\u50f9\u503c\u6295\u8cc7\u8005\u5df4\u83f2\u7279\u4e5f\u66fe\u5efa\u8b70\u6295\u8cc7\u8005\u9577\u671f\u6301\u6709\u9019\u985e\u6307\u6578\u57fa\u91d1\u3002\u4e0d\u904e\uff0c\u5e02\u9762\u4e0a\u6709\u591a\u7a2e\u6a19\u666e500\u6307\u6578\u57fa\u91d1\u53ef\u4f9b\u9078\u64c7\uff0c\u5305\u62ec\u5171\u540c\u57fa\u91d1\u548c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u5169\u7a2e\u5f62\u5f0f\u3002<\/p>\n<p>RGA Investment Advisors\u7ba1\u7406\u5408\u5925\u4eba\u517c\u7e3d\u88c1Jason Gilbert\u8868\u793a\uff0c\u6a19\u666e500\u6307\u6578\u57fa\u91d1\u548cETF\u5e7e\u4e4e\u662f\u5b8c\u5168\u76f8\u540c\u7684\u7522\u54c1\uff0c\u50c5\u5728\u6210\u672c\u3001\u7d50\u69cb\u548c\u53ef\u7372\u53d6\u6027\u4e0a\u5b58\u5728\u7d30\u5fae\u5dee\u5225\u3002<\/p>\n<p>\u5c0d\u65bc\u90a3\u4e9b\u512a\u5148\u8003\u616e\u4f4e\u8cbb\u7528\u7684\u6295\u8cc7\u8005\uff0c<a href=\"https:\/\/nai500.com\/zh-hant\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%a9%a2\/?qm_symbol=FXAIX\">\u5bcc\u9054500\u6307\u6578\u57fa\u91d1\uff08\u4ee3\u78bc\uff1aFXAIX\uff09<\/a>\u548c\u5609\u4fe1\u7406\u8ca1\u6a19\u666e500\u6307\u6578\u57fa\u91d1\uff08SWPPX\uff09\u4ee50.015%\u548c0.02%\u7684\u8cbb\u7528\u6bd4\u7387\u9818\u5148\u3002\u8207\u6b64\u540c\u6642\uff0c\u5148\u92d2\u6a19\u666e500 ETF\uff08VOO\uff09\u548ciShares\u6838\u5fc3\u6a19\u666e500 ETF\uff08IVV\uff09\u7dca\u96a8\u5176\u5f8c\uff0c\u8cbb\u7528\u6bd4\u7387\u7d04\u70ba0.03%\uff0c\u540c\u6642\u63d0\u4f9b\u4e86ETF\u7684\u9748\u6d3b\u6027\u548c\u7a05\u6536\u6548\u7387\u3002\u6b64\u5916\uff0cSPDR\u6a19\u666e500\u4fe1\u8a17\u57fa\u91d1\uff08SPY\uff09\u7684\u6b77\u53f2\u6700\u60a0\u4e45\uff0c\u6d41\u52d5\u6027\u6700\u4f73\uff0c\u4f46\u8cbb\u7528\u4e5f\u8f03\u9ad8\uff080.0945%\uff09\uff0c\u4f46\u56e0\u6d41\u52d5\u6027\u548c\u8cb7\u8ce3\u50f9\u5dee\u512a\u52e2\u800c\u6301\u7e8c\u53d7\u5230\u6a5f\u69cb\u6295\u8cc7\u8005\u7684\u9752\u775e\u3002<\/p>\n<p>\u5118\u7ba1\u9019\u4e9b\u57fa\u91d1\u672c\u8cea\u4e0a\u76f8\u4f3c\uff0c\u4f46\u53ef\u6eff\u8db3\u4e0d\u540c\u7684\u6295\u8cc7\u9700\u6c42\u3002\u6bd4\u5982\u8aaa\uff0cSPY\u7684\u4ea4\u6613\u91cf\u6bd4VOO\u9ad8\u51fa\u5e7e\u500b\u6578\u91cf\u7d1a\uff1a\u904e\u53bb\u4e00\u500b\u6708\uff0cSPY\u65e5\u5747\u4ea4\u6613\u91cf\u70ba7100\u842c\u80a1\uff0c\u800cVOO\u50c5\u70ba550\u842c\u80a1\u3002\u56e0\u6b64\uff0cSPY\u9069\u5408\u77ed\u671f\u7b56\u7565\u6216\u4ea4\u6613\uff0c\u800cVOO\u662f\u9577\u671f\u6295\u8cc7\u8005\u7684\u7d55\u4f73\u9078\u64c7\u3002<\/p>\n<p>\u5118\u7ba1\u6a19\u666e500\u6307\u6578\u57fa\u91d1\u662f\u8a31\u591a\u6295\u8cc7\u7d44\u5408\u7684\u6838\u5fc3\u7d44\u6210\u90e8\u5206\uff0c\u9060\u975e\u6df1\u5967\u96e3\u61c2\u7684\u6295\u8cc7\u985e\u578b\uff0c\u4f46\u77ad\u89e3\u7d50\u69cb\u4ecd\u7136\u5f88\u91cd\u8981\u3002\u7531\u65bc\u9019\u4e9b\u57fa\u91d1\u63a1\u7528\u5e02\u503c\u52a0\u6b0a\uff0c\u5b83\u5011\u5c07\u66f4\u591a\u8cc7\u91d1\u914d\u7f6e\u7d66\u6307\u6578\u4e2d\u5e02\u503c\u8f03\u5927\u7684\u516c\u53f8\uff0c\u9019\u4e00\u8da8\u52e2\u5728\u7576\u4eca\u9ad8\u5ea6\u96c6\u4e2d\u7684\u5e02\u5834\u4e0a\u8b8a\u5f97\u66f4\u52a0\u986f\u8457\u30022025\u5e74\uff0c\u5c11\u6578\u5e7e\u96bb\u5927\u578b\u79d1\u6280\u80a1\u63a8\u52d5\u4e86\u8a72\u6307\u6578\u4e0d\u6210\u6bd4\u4f8b\u7684\u56de\u5831\uff0c\u4f8b\u5982\u860b\u679c\uff08AAPL\uff09\u3001\u5fae\u8edf\uff08MSFT\uff09\u548c\u82f1\u5049\u9054\uff08NVDA\uff09\u4f54\u64da\u4e86\u8d85\u5927\u7684\u6b0a\u91cd\uff0c\u96c6\u4e2d\u5ea6\u98a8\u96aa\u6108\u767c\u660e\u986f\u3002<\/p>\n<p>\u4ee5\u4e0b\u662f\u7f8e\u80a1\u5e02\u5834\u4e0a\u4e94\u96bb\u6700\u53d7\u6b61\u8fce\u7684\u6a19\u666e500\u6307\u6578\u57fa\u91d1\u6982\u89bd\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>\u6307\u6578\u57fa\u91d1<\/strong><\/td>\n<td><strong>\u8cbb\u7528\u6bd4\u7387<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SPDR\u6a19\u666e500\u4fe1\u8a17\u57fa\u91d1 (SPY)<\/td>\n<td>0.0945%<\/td>\n<\/tr>\n<tr>\n<td>\u5148\u92d2\u6a19\u666e500 ETF (VOO)<\/td>\n<td>0.03%<\/td>\n<\/tr>\n<tr>\n<td>iShares\u6838\u5fc3\u6a19\u666e500 ETF (IVV)<\/td>\n<td>0.03%<\/td>\n<\/tr>\n<tr>\n<td>\u5bcc\u9054500\u6307\u6578\u57fa\u91d1 (FXAIX)<\/td>\n<td>0.015%<\/td>\n<\/tr>\n<tr>\n<td>\u5609\u4fe1\u7406\u8ca1\u6a19\u666e500\u6307\u6578\u57fa\u91d1 (SWPPX)<\/td>\n<td>0.02%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u5404\u57fa\u91d1\u8a73\u60c5\uff1a<\/strong><\/p>\n<h2>SPDR\u6a19\u666e500\u4fe1\u8a17\u57fa\u91d1 (SPY)<\/h2>\n<p>SPDR\u6a19\u666e500\u4fe1\u8a17\u57fa\u91d1\u65bc1994\u5e74\u63a8\u51fa\uff0c\u662f\u7f8e\u570b\u5e02\u5834\u4e0a\u7684\u9996\u53eaETF\u3002SPY\u5be6\u969b\u4e0a\u662f\u4ee5\u55ae\u4f4d\u6295\u8cc7\u4fe1\u8a17\uff08UIT\uff09\u7684\u5f62\u5f0f\u69cb\u5efa\u7684\uff0c\u9019\u610f\u5473\u8457\u5b83\u6709\u4e00\u500b\u5230\u671f\u65e5\u3002\u8a72\u57fa\u91d1\u8a2d\u8a08\u65bc2118\u5e741\u670822\u65e5\uff08\u537311\u4f4d\u7279\u5b9a\u4eba\u58eb\u4e2d\u6700\u5f8c\u4e00\u4f4d\u53bb\u4e16\u5f8c20\u5e74\uff09\u7d42\u6b62\u3002\u57fa\u91d1\u8aaa\u660e\u66f8\u672a\u5217\u51fa\u9019\u4e9b\u4eba\u58eb\u59d3\u540d\uff0c\u4f46\u6587\u4ef6\u8aaa\u660e\u4ed6\u5011\u90fd\u51fa\u751f\u65bc1990\u5e74\u81f31993\u5e74\u9593\u3002\u8a72\u57fa\u91d1\u7684\u512a\u9ede\u662f\u7121\u53ef\u5339\u6575\u7684\u4ea4\u6613\u91cf\u548c\u6d41\u52d5\u6027\uff0c\u540c\u6642\u8cb7\u8ce3\u50f9\u5dee\u6975\u5c0f\u3002\u7f3a\u9ede\u662f\u8cbb\u7528\u7387\u9ad8\u65bc\u540c\u985e\u7522\u54c1\uff0c\u4e14\u7a05\u6536\u6548\u7387\u8f03\u4f4e\u3002\u4f8b\u5982\uff0cUIT\u7684\u7d50\u69cb\u610f\u5473\u8457SPY\u7121\u6cd5\u7acb\u5373\u518d\u6295\u8cc7\u80a1\u606f\uff0c\u56e0\u6b64\u53ef\u80fd\u6703\u7a4d\u7d2f\u73fe\u91d1\u3002<\/p>\n<h2>\u5148\u92d2\u6a19\u666e500 ETF (VOO)<\/h2>\n<p>2025\u5e742\u6708\uff0c\u5148\u92d2\u6a19\u666e500 ETF\u5728\u7ba1\u7406\u8cc7\u7522\uff08AUM\uff09\u4e0a\u8d85\u8d8a\u4e86SPY\uff0c\u6210\u70ba\u5168\u7403\u6700\u5927\u7684ETF\u3002\u8f03\u4f4e\u7684\u8cbb\u7528\u7387\u4fc3\u9032\u4e86\u589e\u9577\uff0c\u904e\u53bb10\u5e74\u7684\u5e74\u5316\u56de\u5831\u7387\u70ba13.62%\uff0c\u76f8\u6bd4SPY\u70ba13.55%\u3002\u5982\u679c10\u5e74\u524d\u6295\u8cc710\u842c\u7f8e\u5143\uff0c\u5169\u96bb\u57fa\u91d1\u7684\u6536\u76ca\u5dee\u70ba2024\u7f8e\u5143\u2014\u2014\u5047\u8a2d\u672a\u4f8610\u5e74\u7684\u56de\u5831\u7387\u76f8\u540c\uff0c\u5dee\u7570\u5c07\u9054\u523013630\u7f8e\u5143\u3002\u6b64\u5916\uff0c\u5148\u92d2\u9084\u901a\u904e\u5171\u540c\u57fa\u91d1\u2014\u2014\u5148\u92d2500\u6307\u6578\u57fa\u91d1 Admiral Shares\uff08VFIAX\uff09\u63d0\u4f9b\u6a19\u666e500\u6307\u6578\u6295\u8cc7\u3002<\/p>\n<h2>iShares\u6838\u5fc3\u6a19\u666e500 ETF (IVV)<\/h2>\n<p>iShares\u6838\u5fc3\u6a19\u666e500 ETF\u901a\u5e38\u662f\u4f7f\u7528\u5148\u92d2\u4ee5\u5916\u8a17\u7ba1\u6a5f\u69cb\uff08\u5982\u5bcc\u9054\u6216\u7f8e\u6797\uff09\u7684\u6295\u8cc7\u8005\u7684\u9078\u64c7\u3002IVV\u63d0\u4f9b\u8207VOO\u76f8\u540c\u7684\u4f4e\u6210\u672c\u548c\u6307\u6578\u655e\u53e3\uff0c\u4f46\u53ef\u80fd\u8207\u975e\u5148\u92d2\u5e73\u81fa\u66f4\u5951\u5408\u3002\u8a72ETF 50\u5929\u7684\u65e5\u5747\u4ea4\u6613\u91cf\u70ba566\u842c\u80a1\uff0c\u800cSPY\u70ba7166\u842c\u80a1\uff0cVOO\u70ba635\u842c\u80a1\u3002IVV\u7ba1\u7406\u8cc7\u7522\u7d046500\u5104\u7f8e\u5143\uff0c2000\u5e745\u6708\u4e0a\u5e02\uff0c\u665a\u65bcSPY\uff0c\u4f46\u65e9\u65bc2010\u5e749\u6708\u63a8\u51fa\u7684VOO\u3002<\/p>\n<h2>\u5bcc\u9054500\u6307\u6578\u57fa\u91d1 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