{"id":166486,"date":"2019-01-20T16:25:18","date_gmt":"2019-01-21T00:25:18","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=166486"},"modified":"2019-01-20T16:25:18","modified_gmt":"2019-01-21T00:25:18","slug":"%e7%be%8e%e5%9c%8b%e6%99%ae%e9%80%9a%e4%ba%ba%e7%90%86%e8%b2%a1%e6%96%b9%e5%bc%8f%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2019\/01\/20\/%e7%be%8e%e5%9c%8b%e6%99%ae%e9%80%9a%e4%ba%ba%e7%90%86%e8%b2%a1%e6%96%b9%e5%bc%8f%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f\/","title":{"rendered":"\u7f8e\u570b\u666e\u901a\u4eba\u7406\u8ca1\u65b9\u5f0f\u6709\u54ea\u4e9b\uff1f"},"content":{"rendered":"<p>\u6295\u8cc7\u7406\u8ca1\u9019\u7a2e\u4e8b\u60c5\uff0c\u5176\u5be6\u5728\u54ea\u88e1\u90fd\u4e00\u6a23\uff0c\u90fd\u662f\u6839\u64da\u6bcf\u500b\u4eba\u7684\u6536\u5165\u60c5\u6cc1\u4f86\u914d\u7f6e\u8cc7\u7522\uff0c\u4e0d\u540c\u7684\u6050\u6015\u5c31\u662f\u7406\u8ca1\u7522\u54c1\u4e86\u3002<!--more-->\u4e0d\u904e\u7531\u65bc\u7f8e\u570b\u56b4\u5bc6\u7684\u6cd5\u5f8b\u9ad4\u7cfb\u7279\u5225\u662f\u7e41\u7463\u7684\u7a05\u6cd5\uff0c\u6295\u8cc7\u7406\u8ca1\u7684\u6307\u5c0e\u539f\u5247\u61c9\u7576\u662f\u9577\u671f\u7a05\u5f8c\u56de\u5831\u6700\u512a\uff0c\u800c\u975e\u7c21\u55ae\u5730\u5e74\u5316\u56de\u5831\u6700\u512a\u3002\u4e0b\u9762\u7d66\u5927\u5bb6\u4ecb\u7d39\u4e00\u4e0b\u7f8e\u570b\u5e38\u898b\u7684\u7406\u8ca1\u65b9\u5f0f\uff1a<\/p>\n<p><strong>\u9280\u884c\u5132\u84c4<\/strong><\/p>\n<p>\u9019\u7a2e\u65b9\u5f0f\u6050\u6015\u662f\u5168\u4e16\u754c\u6700\u5e38\u898b\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u4e0d\u904e\u5132\u84c4\u7684\u4e00\u500b\u554f\u984c\u5c31\u662f\u5229\u7387\u9ad8\u4e0d\u9ad8\uff0c\u56e0\u70ba\u5982\u679c\u8dd1\u4e0d\u904e\u901a\u8139\uff0c\u5b58\u5728\u9280\u884c\u7684\u9322\u9084\u662f\u4e0d\u65b7\u7684\u8667\u640d\u3002\u800c\u4e14\u4f60\u8981\u77e5\u9053\uff0c\u5176\u5be6\u5f88\u591a\u570b\u5bb6\u90fd\u662f\u8ca0\u5229\u7387\u7684\uff0c\u8ca0\u5229\u7387\u6700\u70ba\u76f4\u89c0\u7684\u5f71\u97ff\u5c31\u662f\u5c45\u6c11\u653e\u5728\u9280\u884c\u91cc\u7684\u5b58\u6b3e\u6703\u8d8a\u5b58\u8d8a\u7e2e\u6c34\u3002\u5f9e\u67d0\u7a2e\u610f\u7fa9\u4e0a\u8b1b\uff0c\u8ca0\u5229\u7387\u4f5c\u70ba\u4e00\u7a2e\u8ca1\u5bcc\u518d\u5206\u914d\u5de5\u5177\uff0c\u5b83\u6703\u9032\u4e00\u6b65\u63a0\u596a\u793e\u6703\u5f31\u52e2\u7fa4\u9ad4\u539f\u672c\u53ef\u6190\u7684\u4e00\u9ede\u8ca1\u5bcc\uff0c\u9019\u7a2e\u4f4e\u5229\u7387\u6050\u6015\u90fd\u8dd1\u4e0d\u904e\u901a\u8139\u7684\uff0c\u6240\u4ee5\u5132\u84c4\u4e26\u4e0d\u662f\u6700\u4f73\u7684\u7406\u8ca1\u65b9\u5f0f\u3002<\/p>\n<p><strong>401K<\/strong><\/p>\n<p>401K\u53ef\u4ee5\u8aaa\u662f\u7f8e\u570b\u7684\u793e\u4fdd\u4e86\uff0c\u5728\u4eba\u5011\u9000\u4f11\u5f8c\u7684\u6536\u5165\u4f86\u6e90\u65b9\u9762\uff0c\u767c\u63ee\u8457\u5f88\u5927\u4f5c\u7528\u3002\u4e00\u822c\u7531\u50f1\u54e1\u548c\u96c7\u4e3b\u5404\u6309\u6bd4\u4f8b\u518d\u6295\u9322\u9032\u53bb\uff0c\u96c7\u4e3b\u548c\u50f1\u54e1\u6295\u5165\u5230401(k)\u9000\u4f11\u8cec\u6236\u7684\u6240\u6709\u9322\u90fd\u4e0d\u9700\u8981\u5831\u7a05\uff0c\u53ea\u6709\u50f1\u54e1\u5728\u898f\u5b9a\u5e74\u9f61\u9818\u53d6\u6642\u624d\u7b97\u6536\u5165\u9700\u8981\u7533\u5831\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u800c\u5982\u679c\u5728\u9000\u4f11\u524d\u63d0\u524d\u652f\u53d6\u7684\u8a71\uff0c\u4ea4\u7a05\u5f8c\u9084\u8981\u4ea410%\u7684\u7f70\u6b3e\u3002\u9019\u7a2e\u7406\u8ca1\u65b9\u5f0f\u56de\u5831\u7387\u5c6c\u65bc\u4f4e\u98a8\u96aa\u7522\u54c1\u4f4e\u6536\u76ca\u7684\u7406\u8ca1\u7522\u54c1\u3002<\/p>\n<p><strong>LP\u3001ETF\u6295\u8cc7\u65b9\u5f0f<\/strong><\/p>\n<p>6%-9% 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partnership\uff0c\u4ee5\u4e0b\u7c21\u7a31LP)\u662f\u5728\u7f8e\u570b\u6bd4\u8f03\u6d41\u884c\u7684\u6295\u8cc7\u5f62\u5f0f\uff0c\u6700\u8fd1\u5e7e\u5e74\u5728\u570b\u5167\u4e5f\u958b\u59cb\u6d41\u884c\u8d77\u4f86\u3002\u4ec0\u9ebc\u662fLP?\u7c21\u55ae\u8aaa\u5c31\u662f\u5225\u4eba\u6709\u4e00\u500b\u9805\u76ee(\u6216\u8005\u5efa\u4e86\u500b\u516c\u53f8)\uff0c\u4f60\u6295\u8cc7\u4e00\u5b9a\u7684\u9322\u6210\u70ba\u80a1\u6771\uff0c\u65bc\u662f\u4f60\u5c31\u662f\u5408\u5925\u4eba\u4e86\uff0c\u4f46\u4f60\u7684\u8cac\u4efb\u662f\u6709\u9650\u7684\u3002<\/p>\n<p>\u6709\u4e9bLP\u7684\u56de\u5831\u76f8\u7576\u9ad8\uff0c\u751a\u81f3\u80fd\u548c\u6b77\u53f2\u4e0a\u6bd4\u8f03\u725b\u903c\u7684\u5c0d\u6c96\u57fa\u91d1\u5ab2\u7f8e\uff0c\u56e0\u70baLP\u5728\u7f8e\u570b\u4e0d\u9700\u8981\u4ed8\u6240\u5f97\u7a05\uff0c\u53ef\u4ee5\u628a\u6536\u5165\u5b8c\u5168\u8f49\u79fb\u7d66\u6295\u8cc7\u8005\u3002\u7576\u7136\u4e86\uff0c\u76f8\u5c0d\u98a8\u96aa\u4e5f\u5927\uff0c\u4e5f\u6709\u4e0d\u8db3\u4e4b\u8655\uff1a\u9700\u8981\u6295\u5927\u91cf\u8cc7\u91d1\uff0c\u800c\u4e14\u4e00\u822c\u6703\u8981\u6c42\u4f60\u8cc7\u91d1\u6295\u653e\u76f8\u7576\u9577\u6642\u9593\u3002<\/p>\n<p>\u7f8e\u570b\u4ea4\u6613\u578b\u958b\u653e\u6307\u6578\u57fa\u91d1(Exchange Traded Funds\uff0c\u7c21\u7a31ETF)\u6536\u76ca\u4e5f\u8f03\u9ad8\u3002\u4e2d\u570b\u570b\u5167\u4e5f\u6709ETF\uff0c\u4f46\u4e00\u822c\u4f86\u8aaa\u6536\u76ca\u7387\u843d\u5f8c\u65bc\u4e3b\u52d5\u578b\u57fa\u91d1\uff0c\u800c\u5728\u7f8e\u570b\u5247\u76f8\u53cd\uff0c2014\u5e74\u7f8e\u570b\u7522\u696d\u578bETF\u5e73\u5747\u6536\u76ca\u751a\u81f3\u905415.6%\uff0c\u5927\u90e8\u5206\u4e3b\u52d5\u578b\u57fa\u91d1\u6263\u9664\u7ba1\u7406\u8cbb\u5f8c\u662f\u8dd1\u4e0d\u8d0fETF\u7684\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u7f8e\u570bETF\u6295\u8cc7\u76ee\u6a19\u6db5\u84cb\u80a1\u7968\u3001\u50b5\u5238\u3001\u671f\u8ca8\uff0c\u6295\u8cc7\u5730\u5340\u5305\u542b\u55ae\u4e00\u570b\u5bb6\u3001\u5730\u5340\u6216\u5168\u7403\uff0c\u7522\u696d\u5247\u5305\u542b\u751f\u7269\u79d1\u6280\u3001\u91ab\u7642\u3001\u80fd\u6e90\u3001\u91d1\u878d\u3001\u8cb4\u91d1\u5c6c\u3001\u57fa\u672c\u91d1\u5c6c\u3001\u8fb2\u7522\u54c1\u3001\u96fb\u4fe1\u53ca\u4e0d\u52d5\u7522\u7b49\u3002<\/p>\n<p>\u53ef\u4ee5\u8aaa\uff0c\u53ea\u8981\u9032\u5165\u7f8e\u570bETF\u5e02\u5834\uff0c\u5c31\u53ef\u6295\u8cc7\u5168\u7403\u5927\u90e8\u5206\u5e02\u5834\u7684\u5927\u90e8\u5206\u884c\u696d\uff0c\u6bd4\u5982\u770b\u597d\u91d1\u78da\u56db\u570b\uff0c\u53ef\u9577\u671f\u8cb7\u5165\u5c08\u9580\u8ddf\u8e2a\u91d1\u78da\u56db\u570b\u5e02\u5834\u7684ETF;\u5982\u679c\u62bc\u6ce8\u4e2d\u6771\uff0c\u5247\u4e5f\u53ef\u6295\u8cc7\u8ddf\u8e2a\u4f0a\u65af\u862d\u5730\u5340\u7684ETF\u3002<\/p>\n<p><strong>HF\uff0c<\/strong><strong>\u200b\u200b<\/strong><strong>FOF<\/strong><\/p>\n<p>\u8aaa\u5be6\u8a71\uff0c\u5982\u679c\u6709\u4e00\u7a2e\u6295\u8cc7\u65b9\u5f0f\u80fd\u4fdd\u8b49\u8b93\u7f8e\u570b\u6295\u8cc7\u8005\u6bcf\u5e7410%+\u7684\u6536\u76ca\uff0c\u6574\u500b\u7f8e\u570b\u793e\u6703\u5c31\u6703\u760b\u72c2\u4e86\u3002\u4e2d\u570b\u6709\u5404\u985e\u7684\u8d85\u904e10%\u5e74\u5316\u56fa\u5b9a\u6536\u76ca\u985e\u7522\u54c1\uff0c\u9019\u5728\u7f8e\u570b\uff0c\u662f\u4e0d\u6562\u60f3\u50cf\u7684\u3002<\/p>\n<p>\u4f46\u662f\u7f8e\u570b\u6709\u6c92\u6709\u9019\u985e\u7522\u54c1\u5462?\u7576\u7136\u6709\u3002<\/p>\n<p>\u5c0d\u6c96\u57fa\u91d1 (Hedge Fund\uff0c\u4ee5\u4e0b\u7c21\u7a31HF)\u3002\u5230\u5e95\u4ec0\u9ebc\u7b97\u662fHF?\u5176\u5be6\uff0c\u73fe\u4ee3\u7684\u5c0d\u6c96\u57fa\u91d1\u5f88\u5c11\u63a1\u53d6\u7d14\u7cb9\u7684\u5c0d\u6c96\u624b\u6bb5\uff0c\u5012\u662f\u5927\u91cf\u904b\u7528\u8ce3\u7a7a\u3001\u52a0\u69d3\u687f\u7b49\u9ad8\u98a8\u96aa\u7684\u65b9\u6cd5\u4ee5\u7372\u53d6\u9ad8\u984d\u6536\u76ca\u3002\u5c0d\u6c96\u57fa\u91d1\u5176\u5be6\u5c31\u662f\u4e00\u7a2e\u5c01\u9589\u5f0f\u57fa\u91d1\uff0c\u904b\u7528\u5404\u7a2e\u9ad8\u98a8\u96aa\u7684\u624b\u6bb5\u53bb\u8ffd\u6c42\u5229\u76ca\u6700\u5927\u5316\uff0c\u9069\u5408\u65bc\u9ad8\u6de8\u503c\u3001\u9ad8\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3001\u64cd\u4f5c\u6c34\u5e73\u9ad8\u3001\u8cc7\u91d1\u6301\u6709\u91cf\u5927\u7684\u6295\u8cc7\u8005\u3002\u5982\u679c\u4f60\u9078\u5c0d\u4e86\u57fa\u91d1\uff0c\u4e00\u5e74\u8cfa\u500b30-40%\u4e5f\u662f\u6709\u53ef\u80fd\u7684\u3002<\/p>\n<p>\u5c0d\u6c96\u57fa\u91d1\u4e2d\u7684\u57fa\u91d1( Fund of Hedge fund\uff0c\u7c21\u7a31FOF)\u3002\u5c31\u662f\u8cb7\u4e0d\u540c\u7a2e\u7684\u5c0d\u6c96\u57fa\u91d1,\u7136\u5f8c\u7d44\u6210\u4e00\u500b\u591a\u6a23\u5316\u7684\u6295\u8cc7\u7d44\u5408\u3002\u9019\u7a2e\u57fa\u91d1\u6bd4\u7d14\u7cb9\u7684\u55ae\u4e00\u5c0d\u6c96\u57fa\u91d1\u98a8\u96aa\u7a0d\u5c0f\uff0c\u6536\u76ca\u7387\u6574\u597d\u4e86+15%\u7121\u58d3\u529b\uff0c\u4f46\u6574\u4e0d\u597d-15%\u4e5f\u6709\u53ef\u80fd\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u81ea\u4f4f\u548c\u6295\u8cc7\u623f\u7522<\/strong><\/p>\n<p>\u76f8\u6bd4\u570b\u5167\uff0c\u7f8e\u570b\u9996\u4ed8\u4f4e\uff0c\u623f\u79df\u9ad8\uff0c\u623f\u50f9\u4f4e\uff08\u76f8\u6bd4\u4eba\u5747\u6536\u5165\uff09\uff0c\u8cb7\u623f\u5927\u6982\u7387\u662f\u500b\u5212\u7b97\u7684\u6295\u8cc7\u3002<\/p>\n<p>\u597d\u8655 1\uff1aMortgage\uff08\u62b5\u62bc\u8cb8\u6b3e\uff09\u4e2d\u7684\u5229\u606f\u90e8\u5206\u62b5\u7a05\uff0c\u623f\u7522\u7a05\u53ef\u4ee5\u62b5\u6d88\u6536\u5165\u7a05\u3002<\/p>\n<p>\u597d\u8655 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