{"id":165205,"date":"2018-12-18T00:18:20","date_gmt":"2018-12-18T08:18:20","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=165205"},"modified":"2018-12-18T00:18:20","modified_gmt":"2018-12-18T08:18:20","slug":"%e6%96%b0%e5%b9%b4%e6%9c%89%e7%90%86%e8%b2%a1%e4%bf%9d%e9%9a%aa%e8%a8%88%e7%95%ab%e4%ba%86%e5%97%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2018\/12\/18\/%e6%96%b0%e5%b9%b4%e6%9c%89%e7%90%86%e8%b2%a1%e4%bf%9d%e9%9a%aa%e8%a8%88%e7%95%ab%e4%ba%86%e5%97%8e%ef%bc%9f\/","title":{"rendered":"\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f"},"content":{"rendered":"<p>\u65b0\u5e74\u5feb\u4f86\u4e86\uff0c\u5f88\u591a\u5bb6\u5ead\u6b64\u6642\u90fd\u6703\u589e\u52a0\u4e00\u7b46\u9592\u7f6e\u8cc7\u91d1\uff0c\u6b64\u6642\u53ef\u4ee5\u8003\u616e\u5c0d\u500b\u4eba\u6216\u5bb6\u5ead\u9032\u884c\u7406\u8ca1\u4fdd\u96aa\u898f\u5283\uff0c\u4e26\u70ba\u5bb6\u4eba\u9069\u7576\u589e\u6dfb\u4e00\u4e9b\u4fdd\u96aa<!--more-->\uff0c\u5c31\u986f\u5f97\u5c24\u70ba\u5fc5\u8981\u548c\u53ef\u884c\u3002\u6211\u5011\u9700\u8981\u4ec0\u9ebd\u6a23\u7684\u7406\u8ca1\u4fdd\u96aa\u8a08\u5283\u5462\uff1f<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e00\u3001\u514d\u7a05\u9000\u4f11\u8a08\u756b<\/strong><br \/>\n\u5982\u679c\u60a8\u5728\u9000\u4f11\u4ee5\u5f8c\uff0c\u80fd\u5920\u6709\u6e90\u6e90\u4e0d\u65b7\u7684\u9000\u4f11\u6536\u5165\uff0c\u76f4\u5230\u767e\u5e74\u4ee5\u5f8c\uff0c\u76f8\u4fe1\u9019\u662f\u8a31\u591a\u9000\u4f11\u4eba\u58eb\u7684\u5922\u60f3\u3002\u60f3\u8981\u7372\u5f97\u4ee4\u4eba\u6eff\u610f\u7684\u9000\u4f11\u751f\u6d3b\u54c1\u8cea\uff0c\u5c31\u8981\u8d81\u5e74\u8f15\u3001\u6700\u6709\u8cfa\u9322\u80fd\u529b\u7684\u6642\u5019\u5be9\u614e\u7cbe\u7b97\uff0c\u6311\u9078\u9069\u7576\u7684\u7406\u8ca1\u5de5\u5177\uff0c\u4e26\u900f\u904e\u5b9a\u671f\u5b9a\u984d\u5132\u84c4\u7684\u65b9\u5f0f\uff0c\u5584\u7528\u6642\u9593\u8907\u5229\u7684\u6548\u679c\u8f15\u9b06\u5730\u7d2f\u7a4d\u51fa\u9000\u4f11\u300c\u8001\u672c\u300d\uff0c\u624d\u80fd\u8b93\u81ea\u5df1\u9000\u4f11\u5f8c\u60a0\u54c9\u751f\u6d3b\u3001\u5c0a\u56b4\u7121\u9650\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e8c\u3001\u9000\u4f11\u5e74\u91d1\u8a08\u756b<\/strong><br \/>\n\u5efa\u8b70\u60a8\u628a\u9000\u4f11\u5e74\u91d1\u4f5c\u70ba\u60a8\u9000\u4f11\u7406\u8ca1\u898f\u5283\u7684\u4e00\u90e8\u5206\uff0c\u60a8\u4e0d\u9700\u8981\u628a\u6240\u6709\u7684\u8cc7\u7522\u90fd\u8b8a\u6210\u7d42\u751f\u6536\u5165\u5e74\u91d1\uff0c\u800c\u662f\u6709\u8a08\u5283\u5730\u5c07\u4e00\u90e8\u5206\u9322\u5206\u914d\u5230\u5e74\u91d1\u4f86\u3002\u53ea\u6709\u5728\u7d42\u751f\u6536\u5165\u5e74\u91d1\u80fd\u8b93\u60a8\u5728\u6709\u751f\u4e4b\u5e74\u6bcf\u5e74\/\u6bcf\u6708\u90fd\u80fd\u7372\u5f97\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u6e90\uff0c\u7121\u8ad6\u60a8\u662f\u4e5d\u65ec\u9ad8\u9f61\u6216\u662f\u767e\u6b72\u4eba\u745e\uff0c\u6bcf\u5e74\/\u6bcf\u6708\u9000\u4f11\u6536\u5165\u90fd\u6703\u6e96\u6642\u5b58\u5165\u60a8\u7684\u9280\u884c\u6236\u982d\u6216\u662f\u5bc4\u5230\u5e9c\u4e0a\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684\u96c7\u54e1\u9000\u4f11\u5e33\u6236\uff08401K\uff09\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u4e0d\u727d\u6d89\u63d0\u524d\u9818\u53d6\u7684\u554f\u984c\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\uff0c\u66f4\u4e0d\u6703\u6709\u7f70\u6b3e<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e09\u3001\u7c4c\u5099\u5b50\u5973\u6559\u80b2\u91d1<\/strong><br \/>\n\u8d8a\u4f86\u8d8a\u591a\u7684\u5bb6\u9577\u958b\u59cb\u5229\u7528\u4fdd\u96aa\u7d66\u5b69\u5b50\u5236\u5b9a\u4e00\u500b\u5468\u5168\u7684\u4fdd\u969c\u3001\u6559\u80b2\u3001\u5132\u84c4\u8a08\u756b\u3002\u5982\u679c\u5bb6\u5ead\u6536\u5165\u6c34\u6e96\u90fd\u4e0d\u9ad8\uff0c\u627f\u64d4\u5b50\u5973\u5927\u5b78\u6559\u80b2\u8cbb\u7528\u5c07\u662f\u5f88\u56f0\u96e3\u7684\uff0c\u7236\u6bcd\u61c9\u8d81\u65e9\u7c4c\u63aa\u5b50\u5973\u6559\u80b2\u57fa\u91d1\u3002\u7236\u6bcd\u8981\u505a\u7684\u5c31\u662f\u4ee5\u6642\u9593\u63db\u53d6\u6295\u8cc7\u7a7a\u9593\uff0c\u5145\u5206\u5229\u7528\u6642\u9593\u8907\u5229\u7684\u6548\u679c\u8b93 \u300c\u9322\u751f\u9322\u300d\u3002<\/p>\n<p><strong>\u56db\u3001\u8003\u616e\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa<\/strong><br \/>\n\u5404\u985e\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\u9700\u8981\u89e3\u6c7a\u4eba\u751f\u4e09\u5927\u5c37\u5c2c\u4e8b\uff1a1\u3001\u8d70\u65e9\u4e86\uff0c\u5bb6\u4eba\u6c92\u9322\uff1b2\u3001\u8d70\u665a\u4e86\uff0c\u81ea\u5df1\u6c92\u9322\uff1b3\u3001\u4f4f\u9662\u4e86\uff0c\u56db\u8655\u501f\u9322\u3002<\/p>\n<p>\u4e0d\u8ad6\u7537\u5973\u8001\u5e7c\u90fd\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\uff0c\u5047\u5982\u4f60\u5728\u5e74\u8f15\u6642\u64e0\u51fa\u4e00\u90e8\u5206\u91d1\u9322\u8cfc\u8cb7\u9069\u7576\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u90a3\u5c31\u6703 &#8220;\u7a2e\u4e0b\u4e00\u68f5\u5c0f\u6a39\uff0c\u6536\u7a6b\u4e00\u7247\u852d\u6dbc&#8221;\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u672c\u6587\u4f86\u81ea\uff1a\u7db2\u7d61<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1545092300\"\r\n\t            data-title=\"\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u65b0\u5e74\u5feb\u4f86\u4e86\uff0c\u5f88\u591a\u5bb6\u5ead\u6b64\u6642\u90fd\u6703\u589e\u52a0\u4e00\u7b46\u9592\u7f6e\u8cc7\u91d1\uff0c\u6b64\u6642\u53ef\u4ee5\u8003\u616e\u5c0d\u500b\u4eba\u6216\u5bb6\u5ead\u9032\u884c\u7406\u8ca1\u4fdd\u96aa\u898f\u5283\uff0c\u4e26\u70ba\u5bb6\u4eba\u9069\u7576\u589e\u6dfb\u4e00\u4e9b\u4fdd\u96aa<\/p>\n","protected":false},"author":1,"featured_media":165206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false},"categories":[18],"tags":[],"series":[],"class_list":["post-165205","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money"],"aioseo_notices":[],"featured_image_urls":{"thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-150x150.jpg","medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-300x225.jpg","large":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x450.jpg","post-thumbnail-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x330.jpg","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-400x400.jpg","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-400x300.jpg","portrait":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-500x450.jpg","blog-grid":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x400.jpg","post-medium-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x400.jpg","post-widget-left-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x350.jpg","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-450x450.jpg","post-board-2-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x332.jpg","post-slider":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f-600x450.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f.jpg","episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"ge7K0mz0Bf\"><a href=\"https:\/\/newsforchinese.com\/v3\/2018\/12\/18\/%e6%96%b0%e5%b9%b4%e6%9c%89%e7%90%86%e8%b2%a1%e4%bf%9d%e9%9a%aa%e8%a8%88%e7%95%ab%e4%ba%86%e5%97%8e%ef%bc%9f\/\">\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2018\/12\/18\/%e6%96%b0%e5%b9%b4%e6%9c%89%e7%90%86%e8%b2%a1%e4%bf%9d%e9%9a%aa%e8%a8%88%e7%95%ab%e4%ba%86%e5%97%8e%ef%bc%9f\/embed\/#?secret=ge7K0mz0Bf\" width=\"500\" height=\"350\" title=\"&#8220;\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"ge7K0mz0Bf\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/\u65b0\u5e74\u6709\u7406\u8d22\u4fdd\u9669\u8ba1\u5212\u4e86\u55ce\uff1f.jpg","jetpack-related-posts":[{"id":117012,"url":"https:\/\/newsforchinese.com\/v3\/2016\/03\/21\/juliahsiao04022016seminar\/","url_meta":{"origin":165205,"position":0},"title":"\u300c\u9000\u4f11\u8207\u4eba\u58fd\u4fdd\u96aa\u898f\u5283\u300d 2016\u5e744\u67082\u65e5(\u4e0b\u53482 \u2013 4 )","author":"Raymond","date":"March 21, 2016","format":false,"excerpt":"\u300c\u5225\u628a\u9577\u4e45\u7684\u9000\u4f11\u751f\u6d3b\u53ea\u7576\u6210\u60a8\u7684\u9858\u671b\uff0c\u5b83\u61c9\u8a72\u662f\u60a8\u6240\u9810\u671f\u7684!\u300d \u4eba\u5011\u7684\u58fd\u547d\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u9577\uff0c\u9000\u4f11\u5f8c\u7684\u9700\u6c42\u548c\u8cc7\u6e90\u4e5f\u90fd\u6539\u8b8a\u4e86\u3002\u76ee\u524d\u9000\u4f11\u4eba\u58eb\u6709\u8cc7\u683c\u4eab\u7528\u7684\u9000\u4f11\u65b9\u6848\u5df2\u7d93\u4e0d\u5920\u652f\u4ed8\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u8cbb\u7528\u3002\u90a3\u9ebc\u60a8\u5c0d\u81ea\u5df1\u70ba\u9000\u4f11\u6240\u505a\u7684\u6e96\u5099\u662f\u5426\u6eff\u610f?\u60a8\u5982\u4f55\u9078\u64c7\u6709\u4fdd\u8b49\u7684\u7522\u54c1\u4ee5\u63d0\u4f9b\u60a8\u7a69\u5065\u7684\u9000\u4f11\u6536\u5165? \u8b93\u60a8\u80fd\u5920\u78ba\u5b9a\u9000\u4f11\u5f8c\u6709\u66f4\u591a\u7684\u4eab\u53d7\uff0c\u66f4\u5c11\u7684\u6182\u616e\u3002 \u4e0d\u540c\u7684\u5e74\u7d00\u61c9\u8a72\u6709\u4e0d\u540c\u800c\u4e14\u91cf\u8eab\u8a02\u505a\u7684\u9000\u4f11\u7d44\u5408\u4ee5\u53ca\u5e74\u91d1\u898f\u5283\u3002\u76ee\u524d\u5404\u7a2e\u6295\u8cc7\u5e02\u5834\u4e0d\u7a69\u5b9a\uff0c\u65bc\u662f\u70ba\u4e86\u8ffd\u6c42\u7a69\u5065\u7684\u9000\u4f11\u6536\u5165\uff0c\u300c\u5e74\u91d1\u300d\u4fbf\u53d7\u5230\u4e86\u5ee3\u6cdb\u5730\u95dc\u6ce8\u3002\u9452\u65bc\u5927\u91cf\u7684\u9700\u6c42\uff0c\u5404\u5bb6\u4fdd\u96aa\u516c\u53f8\u5728\u9019\u5e7e\u5e74\u4f86\u63a8\u51fa\u4e86\u8a31\u591a\u300c\u5e74\u91d1\u300d\u7522\u54c1\uff0c\u4f46\u662f\u300c\u5e74\u91d1\u300d\u7a2e\u985e\u4e94\u82b1\u516b\u9580\uff0c\u537b\u4e5f\u8b93\u5927\u773e\u4e00\u982d\u9727\u6c34\u3002 \u5e74\u91d1\u7522\u54c1\u7f3a\u9ede\u5f88\u591a\uff0c\u4f8b\u5982\uff1a\u6295\u8cc7\u5831\u916c\u7387\u4f4e\uff0c\u9818\u53d6\u73fe\u91d1\u6c92\u6709\u5f48\u6027\uff0c\u96b1\u5f62\u8cbb\u7528\u5f88\u9ad8\u7b49\u7b49\u3002\u90a3\u9ebc\u61c9\u8a72\u628a\u63e1\u4ec0\u9ebc\u91cd\u8981\u539f\u5247\uff0c\u4f86\u627e\u51fa\u9069\u5408\u81ea\u5df1\u7684\u7522\u54c1\u5462\uff1f \u9664\u4e86\u300c\u5e74\u91d1\u300d\u7684\u898f\u5283\u5916\uff0c\u60a8\u77e5\u9053\u4eba\u58fd\u4fdd\u96aa\u5982\u4f55\u5132\u5099\u73fe\u91d1\u50f9\u503c\u4f5c\u70ba\u9000\u4f11\u57fa\u91d1\uff1f\u4ec0\u9ebc\u662f\u88dc\u5145\u6027\u58fd\u96aa\u9000\u4f11\u898f\u5316(SLIRP) \u7684\u7b56\u7565\uff1f\u5982\u4f55\u904b\u7528\u4eba\u58fd\u4fdd\u96aa\u5206\u6563\u6295\u8cc7\u548c\u7701\u7a05\u5462\uff1f \u8cc7\u6df1\u4fdd\u96aa\u8207\u7406\u8ca1\u9867\u554f\u856d\u6731\u73b2\uff0c\u53f0\u5927\u6cd5\u5f8b\u7cfb\u7562\u696d\uff0c\u4e0d\u50c5\u5177\u6709\u6cd5\u5b78\u535a\u58eb\u548c\u7a05\u6cd5\u78a9\u58eb\u5b78\u4f4d\uff0c\u9084\u6709\u5c07\u8fd1\u4e8c\u5341\u5e74\u7684\u5c08\u696d\u7d93\u9a57\u3002\u5728\u4eca\u5e74\u8209\u8fa6\u7684\u7b2c\u4e94\u5834\u8b1b\u5ea7\u4e2d\uff0c\u856d\u6731\u73b2\u5c07\u70ba\u60a8\u89e3\u8aaa\u9000\u4f11\u8207\u4eba\u58fd\u4fdd\u96aa\u898f\u5283\u7684\u57f7\u884c\u65b9\u6848\u3001\u7b56\u7565\u4ee5\u53ca\u7522\u54c1\uff0c\u5354\u52a9\u5927\u773e\u70ba\u81ea\u5df1\u7684\u4eba\u751f\u4ee5\u53ca\u9000\u4f11\u751f\u6d3b\u4f5c\u597d\u59a5\u5584\u898f\u5283\u8207\u6e96\u5099\u3002 \u6b61\u8fce\u53c3\u52a0\u514d\u8cbb\u8b1b\u5ea7\uff0c\u5ea7\u4f4d\u6709\u9650\uff0c\u8acb\u4e0a\u7db2\u5831\u540d\uff1a https:\/\/04022016seminar.eventbrite.com\u3002 \u856d\u6731\u73b2\u4fdd\u96aa\u8207\u7406\u8ca1\u4e8b\u52d9\u6240\u8209\u8fa6\u8b1b\u5ea7 \u6642\u9593:Saturday, April 2, 2016 from 2:00 PM to 4:00 PM \u5730\u9ede:764 San Aleso Ave, Sunnyvale, CA 94085 \u6d3d\u8a62\u96fb\u8a71\uff1a408-863-0306","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/03\/julia-photo-1-600x400.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/03\/julia-photo-1-600x400.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/03\/julia-photo-1-600x400.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":201863,"url":"https:\/\/newsforchinese.com\/v3\/2021\/05\/25\/%e9%9d%88%e6%b4%bb%e5%ad%98%e9%9d%88%e6%b4%bb%e5%8f%96%e5%b9%b4%e9%87%91%e6%88%90%e4%bf%9d%e9%9a%aa%e6%96%b0%e5%af%b5%ef%bc%8c%e5%84%aa%e5%8b%a2%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f\/","url_meta":{"origin":165205,"position":1},"title":"\u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\u5e74\u91d1\u6210\u4fdd\u96aa\u65b0\u5bf5\uff0c\u512a\u52e2\u662f\u4ec0\u9ebc\uff1f","author":"Raymond","date":"May 25, 2021","format":false,"excerpt":"\u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\u5e74\u91d1\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\u3002\u70ba\u4f55\u6210\u70ba\u4fdd\u96aa\u65b0\u5bf5\uff0c\u512a\u52e2\u662f\u4ec0\u9ebc\uff1f 2020 & 2021 \u5e74\u5168\u7403\u75ab\u60c5\u4e0b\uff0c\u80a1\u7968\u5e02\u5834\u7d93\u6b77\u4e86\u81ea\u5927\u856d\u689d\u4ee5\u4f86\u6700\u56b4\u91cd\u7684\u52d5\u76ea\uff0c\u4e0d\u78ba\u5b9a\u7684\u5f62\u52e2\u90a3\u4e9b\u63a5\u8fd1\u9000\u4f11\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u58eb\u5c24\u70ba\u64d4\u6182\u3002\u5f88\u591a\u5728\u7f8e\u83ef\u4eba\u5bb3\u6015\u81ea\u5df1\u5c07\u4f86\u6d3b\u5f97\u592a\u4e45\uff0c401K \u9000\u4f11\u8cec\u6236\u88e1\u7684\u8cc7\u91d1\u5df2\u7d93\u7528\u5149\u4e86\uff0c\u6216\u662f\u5bb3\u6015\u81ea\u5df1\u7684401k\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\u3002 \u7531\u65bc\u7f8e\u570b401K\u9000\u4f11\u8a08\u5283\u7684\u8cc7\u91d1\u6295\u8cc7\u65bc\u80a1\u7968\u5e02\u5834\u5360\u5230\u7e3d\u984d\u768456%\uff0c\u800c\u7f8e\u570b\u80a1\u5e02\u6709\u5982\u5750\u96f2\u5bb5\u98db\u8eca\uff0c\u6709\u6642\u751a\u81f3\u4e00\u5929\u4e4b\u5167\u66b4\u8d77\u66b4\u8dcc\u6578\u767e\u9ede\uff0c\u4e0d\u5c11\u4eba\u773c\u775c\u775c\u770b\u8457\u81ea\u5df1\u7684401K\u9000\u4f11\u8cec\u6236\u5167\u8cc7\u91d1\u5927\u5e45\u7e2e\u6c34\u3002 \u5c0d\u90a3\u4e9b\u9000\u4f11\u8005\u6216\u662f\u5df2\u5c46\u9000\u4f11\u5e74\u9f61\u7684\u4eba\uff0c\u5982\u679c\u9047\u5230\u80a1\u5e02\u5927\u8dcc\uff0c401K\u5927\u5e45\u7e2e\u6c34\uff0c\u9019\u5c07\u662f\u75db\u82e6\u7684\u6253\u64ca\u3002\u56e0\u6b64\uff0c\u60a8\u9700\u8981\u5728\u793e\u5b89\u91d1\u548c401K\u4e4b\u5916\uff0c\u6709\u5fc5\u8981\u63a1\u7d0d\u548c\u63a1\u7528\u9000\u4f11\u898f\u5283\u7684\u7406\u8ca1\u5de5\u5177\u548c\u7522\u54c1\uff0c\u4ee5\u4fdd\u8b49\u60a8\u6709\u4e00\u751f\u8db3\u5920\u7684\u9000\u4f11\u6536\u5165\u3002 1995\u5e74\uff0c\u7f8e\u570b\u7684\u4e00\u4e9b\u4fdd\u96aa\u516c\u53f8\u63a8\u51fa\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\uff0c2008\u5e74\u9019\u7a2e\u5e74\u91d1\u958b\u59cb\u66b4\u7d05\uff0c\u56e0\u70ba\u80a1\u5e02\u72c2\u7009\uff0c\u800c\u5b83\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c\u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500 \u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\uff0c\u65e2\u53ef\u4eab\u53d7\u80a1\u5e02\u5927\u6f32\u6642\u4f60\u7372\u5f97\u8f03\u9ad8\u56de\u5831\u7684\u597d\u8655\uff0c\u53c8\u907f\u514d\u80a1\u5e02\u4e0b\u8dcc\u6642\u4f60\u7684\u640d\u5931\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\uff0c\u4e0d\u5fc5\u6d6a\u8cbb\u7cbe\u529b\uff0c\u4e0d\u5fc5\u627f\u64d4\u98a8\u96aa\uff0c\u8ca1\u5bcc\u7a69\u5b9a\u52a0\u500d\u6210\u9577\u3002 \u5728\u6536\u5165\u8f03\u4f4e\u7684\u5b9a\u671f\u5b58\u6b3e\u548c\u6536\u5165\u8f03\u9ad8\u4f46\u98a8\u96aa\u5f88\u5927\u7684\u80a1\u7968\u5e02\u5834\u4e4b\u9593\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f4d\u65bc\u4e2d\u9593\uff0c\u65e2\u80fd\u8cfa\u9322\u53c8\u4e0d\u6703\u8667\u672c\uff0c\u5c6c\u65bc\u4fdd\u5b88\u578b\u6295\u8cc7\u3002\u5c0d\u65bc\u8655\u65bc\u5e02\u5834\u52d5\u8569\u4e4b\u4e2d\uff0c\u9700\u8981\u5275\u9020\u7a69\u5b9a\u548c\u5b89\u5168\u6027\u4f46\u53c8\u4e0d\u60f3\u932f\u904e\u5e02\u5834\u53cd\u5f48\u6642\u6f5b\u5728\u7684\u672a\u4f86\u6536\u76ca\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8003\u616e\u8cfc\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u662f\u7d55\u4f73\u7684\u9078\u64c7\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u7d93\u6210\u70ba\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7684\u4e00\u7a2e\u53d7\u6b61\u8fce\u7684\u91d1\u878d\u5de5\u5177\u3002 \u5e74\u91d1\u662f\u4e00\u500b\u5927\u5bb9\u5668\uff0c\u53ef\u4ee5\u628aqualified\u8a08\u5283\uff0c\u5982401K \u3001403B \u3001TSP\u3001\u50b3\u7d71IRA\u6216SEP IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B\u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002 \u5e74\u91d1\u7684\u4e5d\u5927\u512a\u52e2\uff1a \u4e00\u3001 \u7701\u5fc3\u3001\u5b89\u5fc3\uff1a\u898f\u907f\u98a8\u96aa\uff0c\u7121\u9700\u6280\u8853\u7ba1\u7406\uff0c\u514d\u537b\u4e00\u5207\u7169\u60f1\u3001\u6182\u616e\u3002\u4fdd\u8b49\u751f\u6d3b\u8cea\u91cf\u3001\u4fdd\u8b49\u5065\u5eb7\u3002 \u4e8c\u3001\u6536\u76ca\u9060\u9ad8\u65bc\u4e00\u822c\u6295\u8cc7\u5229\u7387\uff1a\u5982\u5132\u84c4\u50b5\u5238\uff0c\u5132\u84c4\u5e33\u6236\u3001\u5b9a\u671f\u5b58\u6b3e\u3001\u652f\u7968\u6236\u53e3\u7b49\u3002 \u4e09\u3001\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u53ef\u96a8\u6642\u52a0\u5165\uff1a\u7121\u9700\u50cf\u80a1\u5e02\u9078\u64c7\u6642\u6a5f\u5165\u5834\uff0c\u9ede\u5230\u9ede\u8a08\u7b97\u5229\u76ca\u6240\u5f97\u3002 \u56db\u3001\u9060\u9060\u512a\u52dd\u65bc\u793e\u5b89\u91d1\uff1a\u9818\u53d6\u793e\u5b89\u91d1\u5e74\u9f61\u88ab\u4e00\u518d\u63a8\u9072\uff0c\u800c\u4e14\u6839\u672c\u4e0d\u8db3\u4ee5\u652f\u4ed8\u65e5\u5e38\u8cbb\u7528\u3002\u60f3\u64c1\u6709\u7f8e\u6eff\u9000\u4f11\u751f\u6d3b\uff0c\u8cfa\u53d6\u984d\u5916\u9000\u4f11\u91d1\uff0c\u5e74\u91d1\u662f\u6700\u53ef\u9760\u7684\u9078\u64c7\u3002 \u4e94\u3001\u5bb6\u5ead\u4fdd\u969c\uff1a\u7576\u5e74\u91d1\u6301\u6709\u4eba\u4e0d\u5e78\u4eba\u65e9\u8d70\u4e86\uff0c\u4e5f\u662f\u6309\u73fe\u91d1\u8cec\u6236(Account Value)\u9918\u4e0b\u7684\u9322\u7d66\u4e88\u53d7\u76ca\u4eba\u3002 \u516d\u3001\u78ba\u4fdd\u7d42\u751f\u9000\u4f11\u91d1\u7684\u4f86\u6e90\uff1a\u7d42\u751f\u990a\u8001\u91d1\uff0c\u6c38\u9060\u7528\u4e0d\u5b8c\u3002\u8d8a\u9818\u8d8a\u9ad8\uff0c\u6709\u6548\u62b5\u79a6\u901a\u8ca8\u81a8\u8139\u3002 \u4e03\u3001\u6bcf\u5e74\u4fdd\u8b49\u4e0d\u8667\u640d\uff1a\u672c\u91d1\u4fdd\u8b49\u53ca\u6700\u4f4e\u8ff4\u5831\u3002\u6307\u6578\u4e0a\u5347\u6642\u53ef\u8cfa\uff0c\u6307\u6578\u4e0b\u964d\u6642\u672c\u5229\u9396\u5b9a\uff1b\u96f6\u98a8\u96aa\uff08\u7121\u8ad6\u6307\u6578\u4e0b\u8dcc\u3001\u80a1\u5e02\u4e0b\u8dcc\uff0c\u90fd\u4e0d\u6703\u8667\u640d\uff09\u3002 \u516b\u3001\u5ef6\u7a05\u53ca\u5fa9\u5229\uff1a\u672c\u91d1\u3001\u7d05\u5229\uff08\u53ef\u9ad8\u905420%-25%\uff09\uff0c\u8207\u6240\u8cfa\u5229\u606f\u8907\u5229\u8a08\u7b97\uff0c\u5373\u5229\u6efe\u5229\u3002 \u4e5d\u3001\u4fdd\u96aa\u516c\u53f8\u6bd4\u9280\u884c\u66f4\u53ef\u4fe1\uff1a\u81ea2008\u5e74\u91d1\u878d\u6d77\u562f\uff0c\u7f8e\u570b\u5171\u6709525\u5bb6\u9280\u884c\u5012\u9589\uff0c\u537b\u6c92\u6709\u4efb\u4f55\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u5012\u9589\u3002 \u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\uff0c\u672c\u91d1\u7559\u5b50\u5b6b\uff0c\u4f9b\u53c3\u8003\uff1a \u8209\u4f8b\uff1a\u6797\u5148\u751f\uff0c54\u6b72\uff0c\u4ed6\u4f4f\u5728\u99ac\u91cc\u862d\u5dde\uff0c\u4ed6\u524d\u516c\u53f8\u7684401K\u5167\u7684\u8cc7\u91d1\u7d04\u670960\u842c\u7f8e\u5143\uff0c\u4ed6\u5e0c\u671b\u64c1\u6709\u4e00\u4efd\u5e74\u91d1\u8a08\u5283\u662f\u6ce8\u91cd\u73fe\u91d1\u8cec\u6236(account value) \u7684\u7a4d\u7d2f\u548c\u589e\u9577\uff0c\u53ea\u6f32\u4e0d\u8dcc\uff0c\u4e0d\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\uff0c\u7576\u80a1\u5e02\u5347\u7684\u6642\u5019\uff0c\u4e5f\u80fd\u53c3\u8207\u589e\u9577\uff0c \u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\u7528\u3002 \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount value\u53ef\u4ee5\u4e00\u8d77\u6f32\uff0c\u5982\u679c\u6307\u6578\u4e0b\u8dcc\uff0c\u6536\u76ca\u7387\u4e0d\u6703\u4f4e\u65bc0%\uff0c\u66f4\u4e0d\u6703\u6709\u80a1\u7968\u5e02\u5834\u4e0a\u7684\u8ca0\u5229\u7387\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\u3002\u6b64\u5e74\u91d1\u8a08\u5283\u7684\u73fe\u91d1\u8cec\u6236\u5e74\u5316\u6536\u76ca\u7387\u57280% - 39.22%\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/05\/annuity-concept.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/05\/annuity-concept.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/05\/annuity-concept.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":197739,"url":"https:\/\/newsforchinese.com\/v3\/2021\/03\/04\/%e9%9d%9e%e7%be%8e%e5%9c%8b%e5%85%ac%e6%b0%91%e6%98%af%e5%90%a6%e5%8f%af%e4%bb%a5%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e7%9a%84%e5%b9%b4%e9%87%91%e9%9a%aa%ef%bc%9f\/","url_meta":{"origin":165205,"position":2},"title":"\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u96aa\uff1f","author":"Raymond","date":"March 4, 2021","format":false,"excerpt":"\u5e74\u91d1\u898f\u5283\u662f\u5f88\u591a\u4eba\u5728\u9000\u4f11\u7406\u8ca1\u6253\u7406\u6642\uff0c\u6703\u60f3\u5230\u7684\u4e00\u500b\u8ca1\u52d9\u6e96\u5099\u3002\u6211\u5011\u5e38\u9f13\u52f5\u8eab\u908a\u7684\u670b\u53cb\uff0c\u5728\u505a\u81ea\u8eab\u7684\u8ca1\u52d9\u898f\u5283\u6642\uff0c\u5c31\u50cf\u662f\u505a\u4e00\u5957\u5065\u5eb7\u6aa2\u67e5\u4e00\u822c\uff0c \u4e00\u5b9a\u8981\u5c0d\u81ea\u5df1\u7684\u751f\u6d3b\u72c0\u6cc1\uff0c\u6bcf\u5e74\u90fd\u9700\u8981\u597d\u597d\u898f\u5283\u5be9\u8996\u4e00\u756a\u3002\u900f\u904e\u5c08\u696d\u7684\u7a05\u52d9\u6574\u7406\uff0c\u53ef\u4ee5\u8b93\u6bcf\u500b\u4eba\u6216\u662f\u5bb6\u5ead\u7684\u8ca1\u52d9\u898f\u5283\u66f4\u52a0\u5230\u4f4d\u3002 \u5982\u679c\u60a8\u662f\u65b0\u79fb\u6c11\uff0c\u6216\u662f\u6700\u8fd1\u63db\u4e86\u5de5\u4f5c\uff0c\u7d50\u5a5a\u3001\u751f\u5c0f\u5b69\u7b49\uff0c\u90fd\u6709\u5fc5\u9808\u8981\u505a\u7a05\u52d9\u4e0a\u7684\u898f\u5283\u8abf\u6574\uff0c\u7576\u60a8\u7684\u5bb6\u5ead\u8d70\u5230\u8cb7\u8ce3\u623f\u5b50\uff0c\u7533\u8acb\u8cb8\u6b3e\uff0c\u9000\u4f11\u91d1\u898f\u5283\uff0c\u5bb6\u5ead\u5132\u84c4\u4fdd\u96aa\u7b49\u4e5f\u90fd\u8ddf\u7a05\u52d9\u898f\u5283\u606f\u606f\u76f8\u95dc\u3002\u4eca\u5929\u5c0f\u7de8\u5c31\u4f86\u4ee5\u201d\u5e74\u91d1\u201d\u9019\u500b\u4e3b\u984c\uff0c\u8ddf\u5927\u5bb6\u5206\u4eab\u6709\u95dc\u975e\u7f8e\u570b\u516c\u6c11\u8cfc\u8cb7\u5e74\u91d1\u7684\u4e00\u4e9b\u76f8\u95dc\u7a05\u52d9\u77e5\u8b58\u3002 \u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u5e74\u91d1? \u8a31\u591a\u64c1\u6709\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u975e\u7f8e\u570b\u516c\u6c11\u662f\u51fa\u65bc\u514d\u7a05\u7684\u512a\u60e0\u3002\u90a3\u9ebc\uff0c\u4ed6\u5011\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u55ce? \u7b54\u6848\u662f\uff0c\u8981\u770b\u8a72\u5e74\u91d1\u516c\u53f8\u5be9\u6279\u689d\u4ef6\u7684\u76f8\u95dc\u898f\u5b9a\u3002\u5e02\u5834\u4e0a\u662f\u6709\u4e00\u4e9b\u5e74\u91d1\u7684\u516c\u53f8\u53ef\u4ee5\u63a5\u53d7\u975e\u7f8e\u570b\u516c\u6c11\u8cfc\u8cb7\u7f8e\u570b\u5e74\u91d1\u4e4b\u7522\u54c1\u3002\u56e0\u70ba\u5e74\u91d1\u7684\u552e\u8ce3\u898f\u5b9a\u6bd4\u8f03\u56b4\u683c\uff0c\u6709\u4e00\u4e9b\u65b0\u79fb\u6c11\uff0c\u525b\u5230\u7f8e\u570b\u7684\u524d\u5169\u5e74\u4e5f\u4e0d\u4e00\u5b9a\u80fd\u8cfc\u8cb7\u5e74\u91d1\u96aa\uff0c\u6240\u4ee5\u8cfc\u8cb7\u4e4b\u524d\u4e00\u5b9a\u8981\u6e05\u695a\u8aee\u8a62\u5c08\u696d\u7684\u4fdd\u96aa\u9867\u554f\u3002 \u8cfc\u8cb7\u5e74\u91d1\u96aa\u5728\u7a05\u6536\u6709\u4f55\u898f\u5b9a? \u4e0b\u9762\u5c31\u5f9e\u7f8e\u570b\u7684\u7a05\u52d9\u6982\u6cc1\u52a0\u4ee5\u8aaa\u660e\uff0c \u975e\u7f8e\u570b\u5c45\u6c11\u5e74\u91d1\u4ed8\u6b3e\u6642\u6309IRC Sec 871(a)\u898f\u5b9a\u6703\u9700\u8981\u652f\u4ed830%\u7684\u9810\u6263\u7a05\u3002\u5728\u6bcf\u4e00\u7b46\u5e74\u91d1\u7684\u652f\u4ed8\u4e2d\uff0c\u90e8\u5206\u88ab\u8996\u70ba\u6295\u8cc7\u6210\u672c\uff0c\u800c\u90e8\u5206\u5247\u662f\u6295\u8cc7\u6536\u76ca\u3002\u9810\u4ed8\u7a05\u5247\u5728\u4ed8\u6b3e\u6295\u8cc7\u6536\u76ca\u90e8\u5206\u653630%\u7684\u9810\u4ed8\u7a05\u3002\u4f9d\u64da\u7f8e\u570b\u7a05\u6cd5\uff0c\u5e74\u91d1\u7684\u6536\u5165\u4e0d\u662f\u70ba\u5229\u606f\u6536\u5165\u3002\u56e0\u6b64\uff0c\u6295\u8cc7\u5229\u606f\u514d\u7a05\u5247\u4e0d\u9069\u7528\u65bc\u6b64\u3002 \u6839\u64da\u4e2d\u7f8e\u7a05\u52d9\u7814\u7a76\uff0c\u767c\u73fe\u56e0\u70ba\u4e2d\u7f8e\u4e4b\u9593\u6c92\u6709\u5e74\u91d1\u7279\u6b8a\u7a05\u6536\u5354\u8b70\uff0c\u6240\u4ee5\u5fc5\u9808\u9810\u626330%\u7684\u7a05\u3002\u5982\u679c\u6c92\u6709\u793e\u5b89\u865f\u6216\u662f\u5831\u7a05\u7684\u7a05\u865f\uff0c\u975e\u7f8e\u570b\u5c45\u6c11\u5247\u5fc5\u9808\u6bcf\u4e09\u5e74\u586b\u4e00\u6b21W-8BEN\u5916\u570b\u8eab\u4efd\u8b49\u660e\u9810\u6263\u7a05\u8868\u3002 \u6211\u5011\u90fd\u77e5\u9053\u5728\u7f8e\u8cc7\u7522\u6703\u53d7\u7f8e\u570b\u7a05\u6cd5\u53ca\u5916\u570b\u7a05\u6536\u689d\u6b3e\u7d04\u675f\uff0c\u6240\u4ee5\u500b\u4eba\u64c1\u6709\u8cc7\u7522\uff08\u5305\u62ec\u975e\u7f8e\u570b\u516c\u6c11\uff09\u5c07\u88ab\u5fb5\u7a05\u3002\u9019\u610f\u5473\u8457\u8a72\u5e74\u91d1\u6709\u5ef6\u7a05\u597d\u8655\uff0c \u540c\u6642\u4e5f\u610f\u5473\u82e5\u572859\u6b72\u534a\u524d\u9818\u53d6\u9322\uff0c\u5c07\u6703\u53e6\u53d7\u523010%\u7684\u7f70\u6b3e\u3002 \u898f\u5283\u6642\u6ce8\u610f\u4e8b\u9805 \u6211\u5011\u77e5\u9053\u5f88\u591a\u975e\u7f8e\u570b\u516c\u6c11\u53ef\u80fd\u64c1\u6709\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u3002\u7531\u65bc\u975e\u7f8e\u570b\u5c45\u6c11\u7684\u907a\u7522\u7a05\u5f88\u4f4e\uff08\u53ea\u6709$60,000\uff09\uff0c\u975e\u7f8e\u570b\u516c\u6c11\u61c9\u8003\u616eIRC Sec\u5c0d\u96e2\u5cb8\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u767c\u884c\u7684\u5e74\u91d1\u9032\u884c\u514d\u7a05\u898f\u5283\u4f86\u8655\u7406\u907a\u7522\u7a05\u3002\u6709\u90e8\u5206\u7684\u96e2\u5cb8\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u6703\u901a\u904e\u5be9\u6279\u7b26\u5408\u7f8e\u570b\u7a05\u6536\u6a19\u6e96\u7684\u4fdd\u55ae\u6301\u6709\u8005\u3002\u9019\u6a23\u4f86\u8aaa\uff0c\u975e\u7f8e\u570b\u516c\u6c11\u82e5\u6301\u5e74\u91d1\uff0c\u61c9\u900f\u904e1035\uff08\u4fdd\u96aa\u516c\u53f8\u8b8a\u66f4\u8f49\u79fb\u8868\uff09\u4ea4\u63db\u4f86\u907f\u514d\u907a\u7522\u7a05\u3002 \u7f8e\u570b\u5c45\u6c11\u8cfc\u8cb7\u8207\u975e\u7f8e\u570b\u5c45\u6c11\u8cfc\u8cb7\u7684\u5340\u5225 \u552f\u4e00\u7684\u5340\u5225\u5728\u65bc\u7f8e\u570b\u4eba\u53ef\u4ee5\u7528\u7a05\u524d\u7684\u9322\u4f86\u8cfc\u8cb7\u5e74\u91d1\uff0c\u5f9e\u800c\u5229\u7528\u9577\u671f\u8cc7\u672c\u5229\u5f97\u4f86\u964d\u4f4e\u7a05\u6b3e\u3002 \u600e\u9ebc\u7406\u89e3\u7f8e\u570b\u5c45\u6c11\u8cfc\u8cb7\u5e74\u91d1\u7684\u9322\u5462\uff1f \u7f8e\u570b\u5e74\u91d1\u7684\u8cfc\u8cb7\uff0c\u65e2\u53ef\u4ee5\u7528\u7a05\u524d\u7684\uff08qualified\uff09\u6536\u5165\u8cfc\u8cb7\uff0c\u4e5f\u53ef\u4ee5\u7528\u7a05\u5f8c\u7684\uff08non-qualified\uff09\u8cc7\u91d1\u8cfc\u8cb7\uff0c\u6216\u662f\u63db\u5de5\u4f5c\u5f8c\u628a\u524d\u516c\u53f8\u7684\u50f1\u54e1\u9000\u4f11\u8cec\u6236\uff08\u6bd4\u5982401K\uff09\u4e2d\u7684\u9322\u8f49\u5165\u500b\u4eba\u5e74\u91d1\u8cec\u6236\uff0c\u9019\u500b\u8f49\u8cec\u53ebqualified rollover\uff0c\u4e0d\u6d89\u53ca\u4ea4\u7a05\u6216\u7f70\u91d1\u3002 \u800c\u975e\u7f8e\u570b\u5c45\u6c11\u5247\u5f88\u96e3\u505a\u5230\u7528\u7a05\u524d\u7684\u9322\u53bb\u505a\u898f\u5283\uff0c\u56e0\u70ba\u975e\u7f8e\u570b\u5c45\u6c11\u8cec\u6236\u5167\u7684\u8cc7\u91d1\u88ab\u9ed8\u8a8d\u70ba\u5df2\u7d93\u5b8c\u7a05\u7684\u8cc7\u91d1\uff0c\u5373\u4f7f\u4f60\u7684\u9322\u5728\u570b\u5916\u4ea4\u904e\u4e86\u7a05\uff0c\u9019\u7b46\u7a05\u6b3e\u4e5f\u4e0d\u6703\u9000\u7d66\u4f60\u3002 \u7a05\u52d9\u905e\u5ef6\u7684\u512a\u52e2\u662f\u4ec0\u9ebc\uff1f \u53ef\u80fd\u4eab\u53d7\u66f4\u4f4e\u7684\u7a05\u7387\uff1a\u5982\u679c\u73fe\u5728\u5de5\u4f5c\u671f\u9593\u4ea4\u7a05\uff0c\u7531\u65bc\u6709\u5de5\u4f5c\u6536\u5165\uff0c\u60a8\u7684\u7a05\u7387\u53ef\u80fd\u9ad8\u905437%\u3002\u9000\u4f11\u5f8c\u4e0d\u518d\u5de5\u4f5c\uff0c\u6536\u5165\u6e1b\u5c11\uff0c\u60a8\u7684\u7a05\u7387\u53ef\u80fd\u964d\u81f312%\u3002 \u8ca8\u5e63\u7684\u6642\u9593\u50f9\u503c\u539f\u7406\uff1a\u5373\u4f7f\u5728\u7a05\u7387\u76f8\u540c\u7684\u689d\u4ef6\u4e0b\uff0c\u5c07\u901a\u8ca8\u81a8\u8139\u8a08\u7b97\u5728\u5167\uff0c\u73fe\u5728\u7684$100\u8cfc\u8cb7\u529b\u523020\u5e74\u5f8c\u53ea\u76f8\u7576\u65bc$50\u3002\u6240\u4ee5\u5982\u679c\u9700\u8981\u4ea4\u540c\u6a23\u7684\u7a05\uff0c\u7576\u7136\u8d8a\u665a\u8d8a\u597d\u3002 \u201c\u8907\u5229\u201d\u539f\u7406\uff1a\u5ef6\u7a05\u5c31\u610f\u5473\u8457\u8cec\u6236\u4ee5\u5229\u6efe\u5229\u7684\u65b9\u5f0f\u589e\u9577\uff0c\u64f4\u5927\u6bcf\u5e74\u7684\u6295\u8cc7\u57fa\u6578\uff0c\u6700\u5927\u5316\u6295\u8cc7\u7684\u6536\u76ca\u3002 \u5c0f\u7d50: \u4eba\u751f\u968e\u6bb5\u4e0d\u540c\uff0c\u98a8\u666f\u4e0d\u540c\uff0c\u9700\u8981\u7684\u898f\u5283\u4e5f\u4e0d\u76e1\u76f8\u540c\u3002\u5c0f\u7de8\u975e\u5e38\u63d0\u5021\u8ca1\u52d9\u4e00\u5b9a\u8981\u5118\u65e9\u898f\u5283\u9019\u500b\u89c0\u5ff5\uff0c\u898f\u5283\u9000\u4f11\u8ca1\u52d9\u6574\u7406\uff0c\u66f4\u662f\u91cd\u8981\u3002 \u975e\u7f8e\u570b\u516c\u6c11\u53ef\u4ee5\u8cfc\u8cb7\u5e74\u91d1\uff0c\u4e26\u8207\u7f8e\u570b\u516c\u6c11\u4eab\u540c\u6a23\u7684\u7a05\u6536\u5f85\u9047\u3002\u5305\u62ec\u5ef6\u9577\u6263\u7a05\uff0cLIFO\u7684\u5206\u914d\u7a05\uff0c\u4ee5\u53ca59\u6b72\u534a\u4e4b\u524d\u53d6\u9322\u670910%\u7f70\u6b3e\u3002 \u9078\u64c7\u5408\u9069\u7684\u4fdd\u96aa\u7a2e\u985e\uff0c\u53ef\u4ee5\u8b93\u8cc7\u7522\u914d\u7f6e\u66f4\u52a0\u5b8c\u5584\u53ca\u6709\u6548\u62b5\u5fa1\u98a8\u96aa\u3002 \u6587\/\u9ec3\u66c9\u6771 \u7cbe\u82f1\u7406\u8ca1\u5c07\u65bc3\u670827\u65e5\u9031\u516d\u4e0b\u53482\u6642\u8209\u8fa6\u300e\u5982\u4f55\u8b93\u60a8\u7684\u9000\u4f11\u91d17\u5e74\u500d\u589e\u300f\u7db2\u4e0a\u8b1b\u5ea7\u3002\u6709\u8208\u8da3\u8005\u8acb\u4f86\u96fb\u8a71\u5831\u540d 408-466-0233\u00a0 \u627e\u6881\u5c0f\u59d0\u6216\u96fb\u90f5\u81f3dhuang@elitefig.com\u5831\u540d","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/%E5%B9%B4%E9%87%91.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":200421,"url":"https:\/\/newsforchinese.com\/v3\/2021\/04\/28\/%e7%82%ba%e4%bd%95%e5%b8%82%e5%a0%b4%e4%bd%8e%e8%bf%b7%e6%98%af%e8%b2%b7%e5%9b%ba%e5%ae%9a%e6%8c%87%e6%95%b8%e5%b9%b4%e9%87%91%e6%9c%80%e4%bd%b3%e6%99%82%e6%a9%9f\/","url_meta":{"origin":165205,"position":3},"title":"\u70ba\u4f55\u5e02\u5834\u4f4e\u8ff7\u662f\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4f73\u6642\u6a5f?","author":"Raymond","date":"April 28, 2021","format":false,"excerpt":"\u80a1\u7968\u5e02\u5834\u7d93\u6b77\u4e86\u81ea\u5927\u856d\u689d\u4ee5\u4f86\u6700\u56b4\u91cd\u7684\u52d5\u76ea\uff0c\u4e0d\u78ba\u5b9a\u7684\u5f62\u52e2\u90a3\u4e9b\u63a5\u8fd1\u9000\u4f11\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u58eb\u5c24\u70ba\u64d4\u6182\u3002\u5c0d\u65bc\u8655\u65bc\u5e02\u5834\u52d5\u8569\u4e4b\u4e2d\uff0c \u9700\u8981\u5275\u9020\u7a69\u5b9a\u548c\u5b89\u5168\u6027\u4f46\u53c8\u4e0d\u60f3\u932f\u904e\u5e02\u5834\u53cd\u5f48\u6642\u6f5b\u5728\u7684\u672a\u4f86\u6536\u76ca\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8003\u616e\u8cfc\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1(Fixed Indexed Annuity) \u662f\u7d55\u4f73\u7684\u9078\u64c7\u3002 \u76ee\u524d\u5927\u591a\u7f8e\u570b\u4eba\u53ea\u80fd\u9760\u516c\u53f8\u63d0\u4f9b\u7684401K \/ \u50b3\u7d71 IRA\u8a08\u5283\u4e2d\u7684\u6295\u8cc7\u5132\u84c4\u6216\u662f\u81ea\u5df1\u5728\u9000\u4f11\u8cec\u6236\u4e0a\u7684\u6295\u8cc7\u4f86\u990a\u8001\u3002\u7531\u65bc401K \/ \u50b3\u7d71IRA\u9000\u4f11\u8a08\u5283\u662f\u5728\u80a1\u7968\u3001\u8b49\u5238\u5e02\u5834\u4e0a\u81ea\u884c\u7ba1\u7406\u7684\u6295\u8cc7\uff0c\u5e74\u666f\u597d\u7684\u6642\u5019\u9000\u4f11\u91d1\u6536\u76ca\u5f88\u5927\uff0c\u4f46\u906d\u9047\u80a1\u5e02\u4e0b\u632b\u5c24\u5176\u662f\u63a5\u8fd1\u9000\u4f11\u5e74\u9f61\u6c92\u6709\u8db3\u5920\u6642\u9593\u7b49\u5f85\u56de\u672c\uff0c\u9019\u6642\u5019\u4e00\u8f29\u5b50\u7684\u7a4d\u7d2f\u6253\u6c34\u6f02\u9023\u672c\u5e36\u5229\u640d\u5931\u6158\u91cd\u3002 \u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f5c\u70ba\u4e00\u7a2e\u5b89\u5168\u4fdd\u5b88\u6295\u8cc7\uff0c\u6709\u4fdd\u96aa\u516c\u53f8\u627f\u8afe\u6295\u4fdd\u4eba\u53ef\u4ee5\u6d3b\u5230\u8001\u53d6\u5230\u8001\uff0c\u662f\u53ea\u8981\u751f\u547d\u4e0d\u606f\u5c31\u6c38\u4e0d\u505c\u6b62\u7684\u6c38\u7e8c\u990a\u8001\u8a08\u5283\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u7d93\u6210\u70ba\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7684\u4e00\u7a2e\u53d7\u6b61\u8fce\u7684\u91d1\u878d\u5de5\u5177\u3002 \u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c \u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500\u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\u7b49\uff0c\u8a08\u5165\u5229\u606f\u5f8c\uff0c\u5229\u606f\u6536\u5165\u5c07\u9396\u5b9a\u5728\u73fe\u91d1\u8cec\u6236(account value)\u4e2d\uff0c\u8a72\u5e33\u6236\u5c07\u4e0d\u6703\u53c3\u8207\u4efb\u4f55\u672a\u4f86\u7684\u5e02\u5834\u4f4e\u8ff7\uff0c\u73fe\u91d1\u8cec\u6236\u6703\u96a8\u8457\u6642\u9593\u589e\u9577\uff0c\u4e00\u822c\u7d2f\u7a4d10\u5e74\u5f8c\u6703\u770b\u5230\u6bd4\u8f03\u597d\u7684\u6536\u76ca\u3002 \u6240\u4ee5\ufe50\u9019\u662f\u4e00\u7a2e\u7121\u98a8\u96aa\u4e2d\u56de\u5831\u7684\u9000\u4f11\u7522\u54c1\ufe50\u5f88\u9069\u5408\u4e0d\u60f3\u89aa\u81ea\u78b0\u80a1\u5e02\u4f46\u53c8\u53ef\u4eab\u6709\u80a1\u5e02\u6500\u5347\u7684\u56de\u5831\u4ee5\u53ca\u60f3\u5c07\u81ea\u5df1\u7684\u9000\u4f11\u8a08\u5283\u591a\u6a23\u5316\u7684\u4eba\u58eb\u3002 \u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u73fe\u5728\u65e5\u76ca\u6d41\u884c\uff0c\u73fe\u5728\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u5360\u5230\u6574\u500b\u5e74\u91d1\u5e02\u5834\u7684\u4e09\u5206\u4e4b\u4e00\uff0c\u95dc\u9375\u4e4b\u9ede\u662f\u9019\u7a2e\u5e74\u91d1\u6709\u8457\u5438\u5f15\u4eba\u7684\u524d\u666f\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u80fd\u5920\u7372\u5f97\u8f03\u9ad8\u7684\u56de\u5831\uff0c\u4f46\u537b\u4e0d\u6703\u53d7\u5230\u80a1\u7968\u5e02\u5834\u4e0d\u666f\u6c23\u7684\u62d6\u7d2f\u3002 \u5728\u6536\u5165\u8f03\u4f4e\u7684\u5b9a\u671f\u5b58\u6b3e\u548c\u6536\u5165\u8f03\u9ad8\u4f46\u98a8\u96aa\u5f88\u5927\u7684\u80a1\u7968\u5e02\u5834\u4e4b\u9593\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f4d\u65bc\u4e2d\u9593\uff0c\u65e2\u80fd\u8cfa\u9322\u53c8\u4e0d\u6703\u8667\u672c\uff0c\u5c6c\u65bc\u4fdd\u5b88\u578b\u6295\u8cc7\uff0c\u800c\u9019\u7a2e\u6295\u8cc7\u5c0d\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7279\u5225\u9069\u5408\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u662f\u56fa\u5b9a\u5e74\u91d1\u548c\u6d6e\u52d5\u5e74\u91d1\u7684\u6df7\u5408\u9ad4\uff0c\u517c\u5177\u4e86\u4e0a\u8ff0\u5169\u7a2e\u5e74\u91d1\u7684\u512a\u9ede\uff0c\u4e5f\u907f\u514d\u4e86\u4e0a\u8ff0\u5169\u7a2e\u5e74\u91d1\u7684\u4e0d\u8db3\u3002 \u6b64\u5916\uff0c\u67d0\u5e7e\u5bb6\u4fdd\u96aa\u516c\u53f8\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u901a\u5e38\u4e0d\u6536\u53d6\u7ba1\u7406\u8cbb\u3002\u767c\u884c\u4fdd\u96aa\u516c\u53f8\u63a1\u7528\u56de\u5831\u7387\u5c01\u9802\uff0c\u53c3\u8207\u7387\u6216\u5229\u5dee\u4f86\u63a7\u5236\u8a18\u5165\u60a8\u5e33\u6236\u7684\u56de\u5831\uff0c\u4ee5\u63db\u53d6\u514d\u53d7\u80a1\u5e02\u640d\u5931\u7684\u5f71\u97ff\u3002\u5f88\u591a\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u63d0\u4f9b\u4e86\u984d\u5916\u798f\u5229\uff0c\u4f8b\u5982\u9644\u52a0\u8eab\u6545\u8ce0\u511f\u529f\u80fd\u3002 \u5e74\u91d1\u662f\u4e00\u500b\u5927\u5bb9\u5668\uff0c\u53ef\u4ee5\u628aqualified\u8a08\u5283\uff0c\u5982401K \u3001403B \u3001TSP\u3001\u50b3\u7d71IRA\u6216SEP IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B \u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002 \u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002\u60a8\u7684401K\u8cec\u6236\u53ef\u4ee5\u8f49\u5230\u5e74\u91d1\u55ce\uff1f\u9996\u5148\u9700\u8981\u78ba\u4fdd\u60a8\u6709\u8cc7\u683c\uff0c\u5982\u679c\u60a8\u5df2\u7d93\u9000\u4f11\u3001\u5b8c\u5168\u6c92\u6709\u7e7c\u7e8c\u7559\u5728\u516c\u53f8\u5de5\u4f5c\u6216\u8005\u4f60\u63db\u4e86\u5de5\u4f5c\uff0c\u90a3\u9ebc\u60a8\u5e7e\u4e4e\u80af\u5b9a\u53ef\u4ee5\u5c07\u820a\u516c\u53f8\u7684401K or 403B\u8f49\u5230\u5e74\u91d1\u4f86\u3002\u4f46\u662f\uff0c\u5982\u679c\u60a8\u82e5\u4ecd\u820a\u662f\u540c\u4e00\u500b\u96c7\u4e3b\uff0c\u5e74\u9f61\u5fc5\u9808\u8d85\u904e59\u6b72\u534a\uff0c\u4f60\u4fbf\u53ef\u4ee5\u63a2\u8a62\u516c\u53f8Human Resources \u90e8\u9580\u662f\u5426\u8d0a\u6210rollover\u3002 \u5982\u679c\u53ef\u4ee5\uff0c\u60a8\u4fbf\u53ef\u4ee5\u4e00\u6b21\u6027rollover \u4e00\u5927\u534a401K\u88e1\u7684\u8cc7\u91d1\u81f3\u5e74\u91d1\u4f86\uff0c\u60a8\u4e0d\u9700\u8981\u628a\u6240\u6709\u7684401K\u88e1\u7684\u8cc7\u91d1\u8f49\u5230\u5e74\u91d1\uff0c\u60a8\u4ecd\u7136\u53ef\u4ee5contribute \u9322\u81f3\u73fe\u5728\u96c7\u4e3b\u8cc7\u52a9\u7684401K\u8a08\u5283\u3002\u4f46\u662f\uff0c\u4e0d\u50c5\u662f401K\uff0c\u5f88\u591a\u4eba\u505a\u4e86SEP IRA\u6216\u662f\u50b3\u7d71\u7684IRA\uff0c\u4ecd\u53ef\u4ee5\u8f49\u5230\u5e74\u91d1\u4f86\u3002 \u4e0b\u9762\u5c31\u4ecb\u7d39\u4e00\u6b3e\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u7522\u54c1\uff0c\u4f9b\u53c3\u8003\uff1a \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount value\u53ef\u4ee5\u4e00\u8d77\u6f32\uff0c\u5982\u679c\u6307\u6578\u4e0b\u8dcc\uff0c\u6536\u76ca\u7387\u4e0d\u6703\u4f4e\u65bc0%\uff0c\u66f4\u4e0d\u6703\u6709\u80a1\u7968\u5e02\u5834\u4e0a\u7684\u8ca0\u5229\u7387\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\u3002\u6b64\u5e74\u91d1\u8a08\u5283\u7684\u73fe\u91d1\u8cec\u6236\u5e74\u5316\u6536\u76ca\u7387\u57280%\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":203488,"url":"https:\/\/newsforchinese.com\/v3\/2021\/06\/29\/%e5%b9%b4%e9%87%91-%e6%b0%b8%e7%ba%8c%e6%94%b6%e5%85%a5%e7%9a%84%e9%80%80%e4%bc%91%e8%a6%8f%e5%8a%83%e5%b7%a5%e5%85%b7\/","url_meta":{"origin":165205,"position":4},"title":"\u5e74\u91d1-\u6c38\u7e8c\u6536\u5165\u7684\u9000\u4f11\u898f\u5283\u5de5\u5177","author":"Raymond","date":"June 29, 2021","format":false,"excerpt":"\u4ec0\u9ebc\u662f\u5e74\u91d1\u5462\uff1f\u5e74\u91d1\uff0c\u82f1\u6587\u540d\u70ba Annuity\uff0c\u5b83\u662f\u4fdd\u96aa\u7684\u4e00\u500b\u7a2e\u985e\u3002\u662f\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\uff0c\u6700\u5927\u7684\u4f5c\u7528\u5728\u65bc\u5ef6\u7a05\uff0c\u540c\u6642\u7372\u5f97\u7d42\u8eab\u6536\u5165\u7684\u4e00\u7a2e\u76f8\u5c0d\u4fdd\u5b88\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002 \u5e74\u91d1\u96aa\u53c8\u88ab\u7a31\u70ba\u990a\u8001\u91d1\u3002\u4fdd\u96aa\u53ea\u8981\u6295\u4fdd\u4eba\u9084\u6d3b\u8457\uff0c\u901a\u904e\u8cfc\u8cb7\u5e74\u91d1\u96aa\uff0c\u6211\u5011\u80fd\u5f97\u5230\u4fdd\u8b49\u7684\u6536\u5165\u4f86\u6e90\uff0c\u6d3b\u5230\u8001\uff0c\u53d6\u5230\u8001\uff0c\u7d66\u81ea\u5df1\u7684\u9000\u4f11\u751f\u6d3b\u5e36\u4f86\u4e00\u4efd\u6c38\u7e8c\u6536\u5165\uff0c\u9054\u5230\u5e74\u91d1\u4fdd\u96aa\u990a\u8001\u7684\u76ee\u7684\u3002 \u7f8e\u570b\u653f\u5e9c\u7684\u793e\u5b89\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u5c31\u662f\u7531\u653f\u5e9c\u7d93\u71df\uff0c\u6240\u6709\u5c45\u6c11\u5168\u9ad4\u53c3\u8207\u7684\u4e00\u7a2e\u5e74\u91d1\u4fdd\u96aa\uff0c\u70ba\u5168\u9ad4\u5c45\u6c11\u63d0\u4f9b\u57fa\u672c\u7684\u9000\u4f11\u7d42\u8eab\u6536\u5165\u4f86\u6e90\u3002\u6211\u5011\u6bcf\u5e74\u6240\u7e73\u7684\u6536\u5165\u7a05\u4e2d\u7684\u793e\u5b89\u7a05\uff0c\u5c31\u662f\u6211\u5011\u5411\u201c\u7f8e\u570b\u653f\u5e9c\u201d\u9019\u5bb6\u91d1\u878d\u6a5f\u69cb\u7e73\u5b58\u7684\u7f8e\u5143\u5e74\u91d1\u96aa\u4fdd\u8cbb\u3002\u6211\u5011\u9000\u4f11\u6240\u80fd\u9818\u53d6\u7684\u793e\u5b89\u91d1\u8ddf\u6211\u5011\u6bcf\u5e74\u6240\u7e73\u7684\u793e\u5b89\u7a05\u591a\u5c11\uff0c\u6240\u7e73\u793e\u5b89\u91d1\u5e74\u9650\u6709\u95dc\u3002\u7f8e\u570b\u5c45\u6c11\u4f86\u8aaa\uff0c\u5e74\u91d1\u96aa\u662f\u4fdd\u969c\u9000\u4f11\u6536\u5165\u7684\u91cd\u8981\u6e20\u9053\u3002 \u5927\u90e8\u5206\u65b0\u79fb\u6c11\u4f86\u7f8e\u6642\u5df2\u662f\u4e2d\u5e74\uff0c\u5f88\u96e3\u6703\u4ea4\u6eff35\u5e74\u7684\u793e\u5b89\u7a05\uff0c\u6216\u5927\u90e8\u5206\u6536\u5165\u4f86\u6e90\u65bc\u6295\u8cc7\u6536\u76ca\u800c\u4e0d\u7528\u4ea4\u793e\u5b89\u91d1\u3002\u5230\u9000\u4f11\u6642\u4f86\u6240\u80fd\u9818\u53d6\u7684\u793e\u5b89\u91d1\u6975\u70ba\u6709\u9650\u3002\u9019\u7a2e\u60c5\u6cc1\u4e0b\u5c31\u66f4\u6709\u5fc5\u8981\u898f\u5283\u500b\u4eba\u7684\u5e74\u91d1\u4e86\u3002 \u5e74\u91d1\u662f\u4e00\u500b\u56de\u5831\u7a69\u5b9a\u540c\u6642\u53c8\u7a05\u52d9\u512a\u60e0\u7684\u91d1\u878d\u7522\u54c1\uff0c\u7f8e\u570b\u5404\u5927\u91d1\u878d\u6a5f\u69cb\u3001\u4fdd\u96aa\u516c\u53f8\u90fd\u6709\u7d93\u71df\u5e74\u91d1\u7684\u696d\u52d9\u3002 \u4f86\u8aaa\u4e00\u8aaa\u5e74\u91d1\u7684\u7a05\u52d9\u512a\u60e0\u3002\u5206\u4e09\u7a2e\u60c5\u6cc1\uff1a \u7b2c\u4e00\u7a2e\u60c5\u6cc1\uff0c\u8cfc\u8cb7\u5e74\u91d1\u7684\u9322\u662f\u5f9e\u7a05\u5f8c\u990a\u8001\u91d1\u8cec\u6236\u88e1\u7684\u9322\u4f86\u652f\u4ed8\u5e74\u91d1\u7684\uff0c\u90a3\u9ebc\u5c07\u4f86\u4e00\u5207\u672c\u91d1\u548c\u6536\u76ca\u90fd\u5b8c\u5168\u6c92\u6709\u7a05\u4e86\uff1b \u7b2c\u4e8c\u7a2e\u60c5\u6cc1\uff0c\u4f60\u8cfc\u8cb7\u5e74\u91d1\u7684\u9322\u662f\u4f60\u9280\u884c\u91cc\u7684\u5b58\u6b3e\uff0c\u90a3\u9ebc\u5e74\u91d1\u8cec\u6236\u4e2d\u6240\u6709\u7684\u672c\u91d1\u6c92\u6709\u7a05\u7684\u554f\u984c\u3002\u6295\u8cc7\u6536\u76ca\u90e8\u5206\u4e0d\u652f\u53d6\u662f\u4e00\u76f4\u4e0d\u7d0d\u7a05\u7684\uff0c\u6bcf\u5e74\u7684\u5206\u7d05\u5728\u5e02\u5834\u6295\u8cc7\u4e2d\u9084\u80fd\u505a\u5230\u5229\u6efe\u5229\uff0c\u76f4\u5230\u652f\u53d6\u7684\u6642\u5019\u624d\u6703\u6309\u7167\u652f\u53d6\u6bd4\u4f8b\u3002\u66f4\u597d\u7684\u4e00\u9ede\u662f\uff0c\u653e\u5728\u8cec\u6236\u88e1\u7684\u9322\uff0c\u6bcf\u5e74\u4e0d\u4f46\u80fd\u8d77\u5230\u62b5\u7a05\u7684\u4f5c\u7528\uff0c\u5728\u5e02\u5834\u6295\u8cc7\u4e2d\u9084\u80fd\u505a\u5230\u5229\u6efe\u5229\u3002 \u7b2c\u4e09\u7a2e\u60c5\u6cc1\uff0c\u60a8\u8cfc\u8cb7\u5e74\u91d1\u7684\u9322\u662f\u5f9e\u60a8\u7684401K\u6216IRA\u7684\u9322\uff0c\u653e\u5728\u8cec\u6236\u88e1\u7684\u9322\uff0c\u6bcf\u5e74\u4e0d\u4f46\u80fd\u8d77\u5230\u62b5\u7a05\u7684\u4f5c\u7528\uff0c\u5728\u5e02\u5834\u6295\u8cc7\u4e2d\u9084\u80fd\u505a\u5230\u5229\u6efe\u5229\u3002\u76f4\u5230\u652f\u53d6\u7684\u6642\u5019\u624d\u6703\u6309\u7576\u5e74\u7684\u7a05\u7387\u4ea4\u7a05\u3002\u4e0d\u7ba1\u662f401K\u9084\u662fIRA\uff0c\u7e3d\u6703\u6709\u62ff\u5b8c\u7684\u4e00\u5929\uff0c\u4f46\u662f\u5e74\u91d1\u8cec\u6236\uff08\u9019\u88e1\u6240\u6307\u7684\u662fIndex Annuity\uff09\u53ef\u4ee5\u4fdd\u8b49\u4e00\u500b\u6c38\u7e8c\u6536\u5165\u76f4\u5230\u904e\u4e16\u3002 \u5982\u679c\u6295\u8cc7\u671f\u9650\u662f20\u5e74\uff0c\u5206\u7d05\u7576\u5e74\u7e73\u7a05\u548c20\u5e74\u4e4b\u5f8c\u6309\u7167\u5ef6\u7a05\u7b56\u7565\u4f86\u652f\u4ed8\u9577\u671f\u6295\u8cc7\u6536\u76ca\u7a05\uff0c\u5230\u624b\u7684\u6536\u76ca\u80fd\u5dee\u51fa60%\u4e4b\u591a\uff01\u6240\u4ee5\u990a\u8001\u8cec\u6236\u7684\u56b4\u7a05\u7b56\u7565\u662f\u771f\u6b63\u80fd\u5920\u5e6b\u52a9\u6211\u5011\u7701\u7a05\u548c\u8cc7\u7522\u4fdd\u503c\u7684\u3002 \u5118\u7ba1\u5404\u500b\u5546\u696d\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u7522\u54c1\u5404\u4e0d\u76f8\u540c\uff0c\u4f46\u7e3d\u7684\u4f86\u8aaa\uff0c\u901a\u5e38\u90fd\u662f\u6309\u7167\u4e0b\u97623\u7a2e\u65b9\u5f0f\u4f7f\u7528\u5e74\u91d1\u96aa\uff1a \u5373\u6642\u5e74\u91d1\u6216\u5ef6\u671f\u5e74\u91d1\uff08\u7acb\u5373\u652f\u4ed8\uff0c\u800c\u4e0d\u662f\u5f9e\u60a8\u5e74\u9577\u6642\u7684\u67d0\u500b\u6642\u5019\u958b\u59cb\uff09 \u56fa\u5b9a\u5e74\u91d1\u6216\u53ef\u8b8a\u5e74\u91d1\uff08\u67d0\u4e9b\u652f\u4ed8\u8207\u652f\u4ed8\u76f8\u95dc\u7684\u5e02\u5834\u6216\u90e8\u5206\u5e02\u5834\u8868\u73fe\uff09 \u7d42\u8eab\u5e74\u91d1\u6216\u56fa\u5b9a\u671f\u9650\u5e74\u91d1\uff08\u652f\u4ed8\u5230\u6b7b\u4ea1\u6216\u652f\u4ed8\u4e00\u6bb5\u6642\u9593\uff09 \u6709\u4e9b\u5e74\u91d1\u7522\u54c1\u662f\u5e36\u6709\u9632\u901a\u8139\u4f5c\u7528\u7684\uff0c\u4e5f\u5c31\u662f\u8aaa\u96a8\u8457\u5e02\u5834\u7684\u767c\u5c55\uff0c\u6bcf\u5e74\u63d0\u9818\u7684\u9322\u6703\u9010\u6f38\u589e\u591a\u3002\u9019\u6a23\u5c31\u6709\u6548\u7684\u9632\u6b62\u4e86\u901a\u8ca8\u81a8\u8139\u3002 \u90a3\u4ec0\u9ebc\u4eba\u9069\u5408\u8cfc\u8cb7\u5e74\u91d1\u7522\u54c1\u5462\uff1f\u4e00\u822c\u4f86\u8aaa\uff0c\u9069\u5408\u4eba\u7fa4\u5305\u62ec\u4ee5\u4e0b\u5e7e\u985e\uff1a\u6e96\u5099\u9000\u4f11\u898f\u5283\u7684\u4eba\u3001\u60f3\u53ca\u65e9\u898f\u5283\u9000\u4f11\u7684\u4eba\u3001\u6709\u9322\u77ed\u671f\u4e0d\u7528\u7684\u4eba\uff0c\u4ee5\u53ca401K\u548cIRA\u7b49\u9000\u4f11\u8cec\u6236\u9054\u5230\u4e0a\u9650\u7684\u4eba\u3002 \u56e0\u70ba\u7a05\u52d9\u4e0a\u7684\u512a\u60e0\uff0c IRS\u898f\u5b9a59.5\u6b72\u4ee5\u524d\u4e0d\u53ef\u4ee5\u63d0\u53d6\u5e74\u91d1\u88e1\u7684\u9322\uff0c\u82e5\u63d0\u524d\u652f\u53d6\u6703\u670910%\u7684\u7f70\u91d1\uff0c\u9019\u500b\u898f\u5b9a\u57fa\u672c\u9069\u7528\u65bc\u6240\u6709\u7684\u9000\u4f11\u898f\u5283\uff08\u6709\u4e9b\u60c5\u6cc1\u4f8b\u5916\uff09\u3002\u6709\u4e9b\u5e74\u91d1\u7522\u54c1\u4e5f\u6703\u6709\u5176\u4ed6\u8981\u6c42\uff0c\u8b6c\u5982\u5728\u591a\u9577\u6642\u9593\u4e0d\u53ef\u4ee5\u652f\u53d6\uff0c\u4e0d\u7136\u6703\u6709Surrender Charge\u7b49\u7b49\u3002 \u7531\u65bc\u4fdd\u96aa\u6cd5\u548c\u4fdd\u96aa\u5c40\u7684\u515c\u5e95\uff0c\u5728\u6b63\u78ba\u5408\u7406\u7684\u8a2d\u8a08\u6295\u4fdd\u65b9\u6848\u7684\u524d\u63d0\u4e0b\uff0c\u5404\u500b\u5e74\u91d1\u4fdd\u96aa\u7522\u54c1\u7684\u5dee\u8ddd\u4e26\u975e\u60f3\u50cf\u4e2d\u90a3\u9ebc\u5927\uff0c\u5e02\u5834\u4e0a\u7522\u54c1\u7684\u540c\u8cea\u5316\u73fe\u50cf\u4e5f\u975e\u5e38\u56b4\u91cd\u3002\u9762\u5c0d\u773e\u591a\u7684\u7f8e\u570b\u4fdd\u96aa\u516c\u53f8\u54c1\u724c\uff0c\u4ee5\u53ca\u8b93\u4eba\u773c\u82b1\u7e5a\u4e82\u7684\u5404\u985e\u9000\u4f11\u5e74\u91d1\u4fdd\u96aa\u7522\u54c1\uff0c\u5c0d\u65bc\u6bcf\u4e00\u500b\u6295\u4fdd\u4eba\u4f86\u8aaa\uff0c\u5728\u8cfc\u8cb7\u5e74\u91d1\u96aa\u524d\uff0c\u4e86\u89e3\u5e74\u91d1\u7684\u57fa\u672c\u77e5\u8b58\uff0c\u80fd\u5e6b\u52a9\u60a8\u5728\u9762\u5c0d\u8ca1\u52d9\u9867\u554f\u548c\u4fdd\u96aa\u7d93\u7d00\u4eba\u6642\uff0c\u80fd\u5171\u540c\u53c3\u8207\u8a0e\u8ad6\u4e26\u4f5c\u51fa\u66f4\u52a0\u6709\u5229\u7684\u5224\u65b7\u548c\u6c7a\u5b9a\u3002 \u7e3d\u4e4b\uff0c\u5e74\u91d1\u898f\u5283\u5c0d\u65bc\u73fe\u5728\u7684\u4eba\u662f\u8d8a\u4f86\u8d8a\u91cd\u8981\u4e86\uff0c\u4e0d\u50c5\u50c5\u662f\u56e0\u70ba\u5b83\u5728\u7a05\u52d9\u4e0a\u7684\u653f\u7b56\uff0c\u66f4\u91cd\u8981\u7684\u662f\u5b83\u80fd\u7d66\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u5e36\u4f86\u4e00\u4efd\u975e\u5e38\u53ef\u89c0\u7684\u6c38\u7e8c\u6536\u5165\u3002 \u6587\/\u9ec3\u66c9\u6771 \u5e74\u91d1\u7a2e\u985e\u8c50\u5bcc\uff0c\u70ba\u4fdd\u969c\u60a8\u7684\u9858\u671b\uff0c\u60a8\u4e00\u5b9a\u8981\u627e\u6709\u7d93\u9a57\u548c\u5c08\u696d\u7684\u4fdd\u96aa\u9867\u554f\u70ba\u60a8\u5b9a\u5236\u5408\u9069\u7684\u5e74\u91d1\u7522\u54c1\u3002\u5982\u8981\u4e86\u89e3\u54ea\u4e9b\u5e74\u91d1\u9069\u5408\u60a8\u7684\u8a08\u5283\uff0c\u8acb\u8207\u6211\u5011\u8c50\u5bcc\u7684\u7d93\u9a57\u7684\u9867\u554f\u8aee\u8a62\u3002408-466-0233 dhuang@elitefig.com","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/06\/annuity-jar-compressor.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/06\/annuity-jar-compressor.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/06\/annuity-jar-compressor.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":198504,"url":"https:\/\/newsforchinese.com\/v3\/2021\/03\/21\/20%e7%a8%ae%e7%90%86%e7%94%b1%ef%bc%8c%e7%82%ba%e4%bb%80%e9%ba%bc%e8%a6%81%e8%b3%bc%e8%b2%b7%e5%b9%b4%e9%87%91%e9%9a%aa%ef%bc%9f\/","url_meta":{"origin":165205,"position":5},"title":"20\u7a2e\u7406\u7531\uff0c\u70ba\u4ec0\u9ebc\u8981\u8cfc\u8cb7\u5e74\u91d1\u96aa\uff1f","author":"Raymond","date":"March 21, 2021","format":false,"excerpt":"\u70ba\u4ec0\u9ebc\u8981\u8cfc\u8cb7\u5e74\u91d1\uff0c\u4e0b\u9762\u662f\u8cfc\u8cb7\u5e74\u91d1\u768420\u7a2e\u597d\u7406\u7531\u3002 1.\u9322\u6399\u5f97\u591a\u4e0d\u884c\uff0c\u9084\u8981\u628a\u9019\u4e9b\u8cc7\u7522\u8f49\u5316\u6210\u672a\u4f86\u9577\u671f\u7a69\u5b9a\u7684\u6536\u5165\u624d\u884c\u3002\u6700\u7a69\u5065\u7684\u6295\u8cc7\u5c31\u662f\u4fdd\u96aa\uff0c\u5e74\u91d1\u4fdd\u96aa\u3002 2.\u70ba\u4ec0\u9ebc\u6211\u5011\u8981\u914d\u7f6e\u5e74\u91d1\u96aa\uff1f\u56e0\u70ba\u4fdd\u55ae\u53ef\u4ee5\u5e36\u6211\u5011\u7a7f\u8d8a\u6642\u9593\uff0c\u7167\u9867\u90a3\u500b\u672a\u4f86\u7684\u81ea\u5df1\u3002\u53ea\u6709\u4e00\u500b\u4eba\u78ba\u5b9a\u53ef\u4ee5\u7167\u9867\u5e74\u8001\u7684\u4f60\uff0c\u9019\u500b\u4eba\u5c31\u662f\u5e74\u8f15\u6642\u7684\u81ea\u5df1\u3002 3.\u5e74\u91d1\u96aa\u662f\u70ba\u4e86\u9632\u8303\u9577\u58fd\u98a8\u96aa\uff0c\u7d42\u8eab\u5e74\u91d1\u7684\u7d66\u4ed8\uff0c\u751f\u5b58\u6642\u9593\u8d8a\u9577\uff0c\u7372\u5f97\u7684\u5e74\u91d1\u7d66\u4ed8\u7e3d\u984d\u8d8a\u9ad8\u3002\u5e74\u91d1\u96aa\u88ab\u7a31\u70ba\u201c\u8207\u751f\u547d\u7b49\u9577\u7684\u73fe\u91d1\u6d41\u201d\uff0c\u5c31\u662f\u70ba\u4e86\u907f\u514d\u201c\u4eba\u6d3b\u8457\uff0c\u9322\u6c92\u4e86\u201d\u9019\u7a2e\u73fe\u8c61\u3002 4.\u4f60\u5e7e\u4e4e\u627e\u4e0d\u5230\uff0c\u6562\u628a\u56fa\u5b9a\u751f\u5b58\u91d1\u5beb\u9032\u5408\u540c\u91cc\uff0c\u4e14\u4fdd\u8b49\u9818\u53d6\u81f3\u7d42\u8eab\u7684\u91d1\u878d\u7522\u54c1\u3002\u800c\u7d42\u8eab\u990a\u8001\u5e74\u91d1\u4fdd\u96aa\u53ef\u4ee5\u505a\u5230\u3002 5.\u5b89\u5168\u73fe\u91d1\u6d41\u662f\u4eba\u58fd\u4fdd\u96aa\u5728\u7a05\u52d9\u7c4c\u5283\u4e2d\u7684\u91cd\u8981\u5c6c\u6027\u3002\u9ad8\u6de8\u503c\u5ba2\u6236\u5229\u7528\u4eba\u58fd\u4fdd\u96aa\u7684\u6cd5\u5f8b\u7279\u5fb5\uff0c\u901a\u904e\u914d\u7f6e\u7684\u6642\u9ede\u3001\u4fdd\u55ae\u67b6\u69cb\u8a2d\u8a08\u548c\u5927\u984d\u4fdd\u55ae\u8cb8\u6b3e\u7b49\uff0c\u6253\u9020\u98a8\u96aa\u6e96\u5099\u91d1\u3002 6.\u914d\u7f6e\u7d42\u8eab\u5e74\u91d1\u7684\u76ee\u7684\u4e0d\u662f\u70ba\u8cfa\u53d6\u9ad8\u6536\u76ca\u3001\u8ffd\u9010\u5229\u6f64\u6700\u5927\u5316\uff0c\u800c\u662f\u7528\u6cd5\u5f8b\u5951\u7d04\u5e73\u8861\u8ca1\u5bcc\u548c\u751f\u547d\u7684\u95dc\u4fc2\u3002\u7528\u6cd5\u5f8b\u624b\u6bb5\u4fdd\u8b49\u53ca\u6642\u3001\u7a69\u5b9a\u548c\u6e90\u6e90\u4e0d\u65b7\u7684\u73fe\u91d1\u6d41\uff0c\u76f4\u5230\u767e\u5e74\u3002 7.\u7121\u8ad6\u6e96\u5099\u8207\u5426\uff0c\u98a8\u96aa\u4f9d\u7136\u5b58\u5728\uff1b\u505a\u597d\u98a8\u96aa\u7ba1\u7406\uff0c\u6c42\u4eba\u4e0d\u5982\u6c42\u5df1\u3002 8.\u4eba\u4e5f\u8a31\u4e0d\u6703\u751f\u75c5\uff0c\u4f46\u4e00\u5b9a\u6703\u8001\uff1b\u4eba\u8001\u4e86\u4e0d\u4e00\u5b9a\u6703\u8cfa\u9322\uff0c\u4f46\u4e00\u5b9a\u6703\u82b1\u9322\uff1b\u4eba\u8001\u6642\u82b1\u7684\u9322\uff0c\u4e00\u5b9a\u662f\u5e74\u8f15\u6642\u5132\u84c4\u4e0b\u4f86\u7684\u3002\u990a\u8001\u7684\u9322\u4e00\u5b9a\u8981\u505a\u5230\uff1a\u5c08\u6b3e\u5c08\u7528\uff0c\u4e0d\u88ab\u632a\u7528\uff0c\u5b89\u5168\u53ef\u9760\uff0c\u4fdd\u672c\u589e\u503c\u3002 9.\u7d42\u8eab\u5e74\u91d1\u4fdd\u96aa\u662f\u7d66\u672a\u4f86\u81ea\u5df1\u7684\u4e00\u4efd\u201c\u79ae\u7269\u201d\u3002\u662f\u7528\u4eca\u5929\u7684\u9592\u6563\u8cc7\u91d1\uff0c\u4f86\u63db\u53d6\u660e\u5929\u7684\u56fa\u5b9a\u6536\u5165\uff1b\u662f\u7528\u4e00\u7a2e\u77ed\u7e73\u4f86\u63db\u53d6\u660e\u5929\u7684\u9577\u671f\u6536\u5165\u7684\u65b9\u5f0f\u3002\u9019\u4efd\u79ae\u7269\u53eb\u201c\u5e78\u798f\u63d0\u6b3e\u6a5f\u201d\u3002 10.\u990a\u8001\u4e0d\u53ea\u662f\u8001\u5e74\u4eba\u95dc\u6ce8\u7684\u7126\u9ede\uff0c\u4e5f\u662f\u5e74\u8f15\u4eba\u9010\u6f38\u958b\u59cb\u64d4\u6182\u548c\u601d\u8003\u7684\u73fe\u5be6\u554f\u984c\uff0c\u73fe\u5728\u6709\u9322\uff0c\u4e26\u4e0d\u4ee3\u8868\u672a\u4f86\u7684\u665a\u5e74\u751f\u6d3b\u5c31\u4e00\u5b9a\u6709\u4fdd\u969c\u3002\u5e74\u91d1\u4fdd\u96aa\u80fd\u628a\u4f60\u78ba\u5b9a\u5df2\u7d93\u8cfa\u5230\u7684\u9322\uff0c\u5b89\u5b89\u7a69\u7a69\u7684\u4fdd\u503c\u589e\u503c\u5230\u672a\u4f86\u3002\u4e26\u4e14\u5728\u9000\u4f11\u5f8c\uff0c\u80fd\u5920\u7a69\u5b9a\u5730\u9818\u53d6\u4e00\u5b9a\u91d1\u984d\u7684\u73fe\u91d1\u4f5c\u70ba\u990a\u8001\u91d1\u88dc\u5145\uff0c\u70ba\u5b89\u7a69\u5e78\u798f\u7684\u665a\u5e74\u751f\u6d3b\u63d0\u4f9b\u4fdd\u969c\u3002 11.\u5e74\u91d1\u4fdd\u96aa\u662f\u7528\u4f86\u89e3\u6c7a\u201c\u4e0d\u78ba\u5b9a\u6027\u201d\u7684\uff0c\u5982\uff1a \u58fd\u547d\u7684\u4e0d\u78ba\u5b9a\u6027\uff08\u9577\u58fd\u9700\u8981\u66f4\u591a\u8cc7\u91d1\uff09 \u6295\u8cc7\u7684\u4e0d\u78ba\u5b9a\u6027\uff08\u5b89\u5168\u3001\u525b\u514c\uff09 \u5a5a\u59fb\u7684\u4e0d\u78ba\u5b9a\u6027\uff08\u4fdd\u8b77\u500b\u4eba\u8cc7\u7522\uff09 \u8ca1\u7522\u7684\u4e0d\u78ba\u5b9a\u6027\uff08\u5408\u7406\u50b5\u52d9\u9694\u96e2\uff09 \u907a\u7522\u7e7c\u627f\u7684\u4e0d\u78ba\u5b9a\u6027\uff08\u6307\u5b9a\u53d7\u76ca\u4eba\u529f\u80fd\uff09 \u7a05\u8ca0\u7684\u4e0d\u78ba\u5b9a\u6027\uff08\u4fdd\u96aa\u8ce0\u6b3e\u514d\u5fb5\u500b\u7a05\uff09 12.\u5e74\u91d1\u4fdd\u55ae\u6709\u8457\u795e\u5947\u7684\u201c\u9396\u5b9a\u201d\u529f\u80fd\uff1a \u9396\u5b9a\u5e74\u91d1\u7684\u4f7f\u7528\u5c0d\u8c61 \u9396\u5b9a\u9577\u671f\u4e0d\u8b8a\u7684\u5229\u7387 \u9396\u5b9a\u7d42\u8eab\u9818\u53d6\u7684\u671f\u9650 \u9396\u5b9a\u6301\u7e8c\u4e0d\u65b7\u7684\u73fe\u91d1\u6d41 \u9396\u5b9a\u8ca1\u5bcc\u50b3\u627f\u53d7\u76ca\u4eba 13.\u5132\u5099\u7d42\u8eab\u5e74\u91d1\u4fdd\u96aa\uff0c\u672c\u8cea\u662f\u5efa\u7acb\u8db3\u5920\u7684\u88ab\u52d5\u73fe\u91d1\u6d41\u3002\u5373\u4f7f\u767d\u9aee\u84bc\u84bc\uff0c\u4e5f\u6709\u7d42\u8eab\u9818\u53d6\u7684\u88dc\u5145\u990a\u8001\u91d1\u3002 14.\u5e74\u91d1\u4fdd\u96aa\u662f\u4e00\u7a2e\u53ef\u4ee5\u201c\u7a7f\u8d8a\u7d93\u6fdf\u5468\u671f\u201d\u7684\u6295\u8cc7\uff0c\u671f\u9593\u6703\u7a7f\u8d8a\u82e5\u5e72\u500b\u7d93\u6fdf\u5468\u671f\u3002\u5b83\u7684\u6536\u76ca\u4e0d\u6703\u9054\u5230\u725b\u5e02\u90a3\u9ebc\u9ad8\u7684\u6c34\u5e73\uff0c\u4f46\u662f\u5b83\u53ef\u4ee5\u4fdd\u8a3c\u6295\u4fdd\u4eba\u5728\u4f4e\u606f\u74b0\u5883\u88e1\u9762\u4e5f\u80fd\u7372\u5f97\u76f8\u5c0d\u5ba2\u89c0\u7684\u6536\u76ca\u3002 15.\u53ea\u6709\u5728\u990a\u8001\u5132\u5099\u5145\u8db3\u7684\u60c5\u6cc1\u4e0b\uff0c\u9000\u4f11\u624d\u6703\u662f\u4e00\u7a2e\u4eab\u53d7\uff1b\u5982\u679c\u990a\u8001\u5132\u5099\u582a\u6182\uff0c\u9000\u4f11\u5f8c\u5931\u53bb\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u6e90\uff0c\u53e3\u888b\u7684\u9322\u53ea\u51fa\u4e0d\u9032\uff0c\u9000\u4f11\u6642\u7684\u58d3\u529b\u6216\u8a31\u6bd4\u5de5\u4f5c\u6642\u7684\u58d3\u529b\u9084\u8981\u5927\u3002 16.\u6c92\u6709\u4eba\u77e5\u9053\u672a\u4f86\u7684\u793e\u6703\u4fdd\u969c\u548c\u91ab\u7642\u4fdd\u96aa\u5c07\u6703\u5982\u4f55\uff08\u6216\u8005\u8aaa\u662f\u5728\u9000\u4f11\u671f\u9593\uff0c\u6211\u5011\u82b1\u5728\u91ab\u7642\u4e0a\u7684\u8cbb\u7528\uff09\u3002\u6240\u6709\u4eba\u61c9\u6839\u64da\u73fe\u6709\u4fe1\u606f\u8a2d\u5b9a\u81ea\u5df1\u7684\u9000\u4f11\u5132\u84c4\u76ee\u6a19\uff0c\u9700\u8981\u8b39\u614e\u5730\u70ba\u672a\u4f86\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20\u7559\u6709\u9918\u5730\u3002 17.\u6bcf\u5e74\u5f37\u5236\u81ea\u5df1\u5b58\u4e00\u7b46\u9322\uff0c\u4f60\u6703\u767c\u73fe\u4f60\u7684\u751f\u6d3b\u8cea\u91cf\u4e26\u6c92\u6709\u5f88\u5927\u5f71\u97ff\u3002\u4f46\u5982\u679c\u4f60\u5805\u6301\u5b58\u9322\uff0c\u4e45\u800c\u4e45\u4e4b\u5728\u5fa9\u5229\u7684\u5f71\u97ff\u4e0b\uff0c\u662f\u4e00\u7b46\u53ef\u89c0\u7684\u7a4d\u84c4\u3002 18.\u5e74\u91d1\u96aa\u6709\u8457\u770b\u4f3c\u201c\u7f3a\u9677\u201d\u7684\u5730\u65b9\uff0c\u6070\u6070\u80fd\u5e6b\u52a9\u6211\u5011\u9054\u6210\u67d0\u7a2e\u7279\u6b8a\u76ee\u6a19\uff0c\u6bd4\u5982\u8cc7\u7522\u5b89\u5168\u3001\u9694\u96e2\u8207\u50b3\u627f\u3001\u9632\u6b62\u8cc7\u91d1\u6feb\u7528\u3001\u89e3\u6c7a\u9577\u58fd\u98a8\u96aa\u7b49\u7b49\u3002 19.\u5e74\u91d1\u5728\u5b89\u5168\u6027\u4e0a\u7684\u7368\u7279\u512a\u52e2\u5c31\u6210\u70ba\u4e86\u9632\u5b88\u578b\u8cc7\u7522\u4e0d\u53ef\u591a\u5f97\u7684\u597d\u9078\u64c7\uff1a\u4fdd\u672c\u3001\u4fdd\u606f\uff0c\u6bcf\u4e00\u5206\u6536\u76ca\u90fd\u767d\u7d19\u9ed1\u5b57\u5730\u5beb\u9032\u5408\u540c\u91cc\u3002\u9762\u5c0d\u5145\u6eff\u8ff7\u832b\u8207\u8b8a\u6578\u7684\u672a\u4f86\uff0c\u53ea\u6709\u5e74\u91d1100%\u7684\u78ba\u5b9a\u6027\u624d\u80fd\u7d66\u6211\u5011\u6700\u5927\u7684\u5b89\u5168\u611f\u3002 20.\u5e74\u91d1\u96aa\u8207\u5176\u4ed6\u7406\u8ca1\u7522\u54c1\u76f8\u6bd4\uff0c\u6709\u56db\u5927\u512a\u52e2\uff1a \u2022\u9396\u5b9a\u9ad8\u5229\u7387\uff0c\u5728\u4e0d\u65b7\u4e0b\u884c\u7684\u4f4e\u606f\u74b0\u5883\u4e2d\u7a69\u5b9a\u8907\u5229\u589e\u503c\u3002 \u2022\u5c0d\u6297\u9577\u58fd\u98a8\u96aa\uff0c\u990a\u8001\u91d1\u53ef\u4ee5\u6d3b\u591a\u4e45\u9818\u591a\u4e45\uff0c\u9632\u6b62\u58fd\u547d\u9577\u6c92\u9322\u82b1\u7684\u7a98\u5883\u3002 \u2022\u5747\u8861\u8ca1\u5bcc\u6ce2\u52d5\uff0c\u8b93\u6211\u5011\u5728\u5e74\u8f15\u6642\u7bc0\u5236\u82b1\u8cbb\uff0c\u5f37\u5236\u5132\u84c4\uff0c\u7528\u73fe\u5728\u6709\u9322\u7684\u81ea\u5df1\u88dc\u8cbc\u672a\u4f86\u6c92\u9322\u7684\u81ea\u5df1\u3002 \u2022\u5e7e\u4e4e\u96f6\u98a8\u96aa\uff0c\u6709\u4fdd\u96aa\u7cbe\u7b97\u548c\u570b\u5bb6\u591a\u91cd\u76e3\u7ba1\u628a\u95dc\uff0c\u4e0d\u8dd1\u8def\uff0c\u4e0d\u66b4\u96f7\u3002 \u6587\/\u7cbe\u82f1\u7406\u8ca1","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/%E6%96%B0%E5%B9%B4%E9%80%81%E5%A4%A7%E7%A6%AE%EF%BC%81%E5%AE%89%E8%81%AF%E5%B9%B4%E9%87%91%E9%96%8B%E6%88%B6%E9%80%8118%E7%8D%8E%E9%87%91%EF%BC%81.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/165205","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/comments?post=165205"}],"version-history":[{"count":1,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/165205\/revisions"}],"predecessor-version":[{"id":165207,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/165205\/revisions\/165207"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/165206"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=165205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=165205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=165205"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=165205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}