{"id":197739,"date":"2021-03-04T12:54:35","date_gmt":"2021-03-04T20:54:35","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=197739"},"modified":"2021-03-04T12:57:57","modified_gmt":"2021-03-04T20:57:57","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u96aa\uff1f"},"content":{"rendered":"\n<p>\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<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\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<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"308\" data-attachment-id=\"197740\" data-permalink=\"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\/%e5%b9%b4%e9%87%91\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1.jpg\" data-orig-size=\"500,308\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\u5e74\u91d1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1.jpg\" alt=\"\" class=\"wp-image-197740\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1.jpg 500w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1-300x185.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u5e74\u91d1<\/strong><strong>?<\/strong><\/p>\n\n\n\n<p>\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?<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u8cfc\u8cb7\u5e74\u91d1\u96aa\u5728\u7a05\u6536\u6709\u4f55\u898f\u5b9a<\/strong><strong>?<\/strong><\/p>\n\n\n\n<p>\u4e0b\u9762\u5c31\u5f9e\u7f8e\u570b\u7684\u7a05\u52d9\u6982\u6cc1\u52a0\u4ee5\u8aaa\u660e\uff0c<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u898f\u5283\u6642\u6ce8\u610f\u4e8b\u9805<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u7f8e\u570b\u5c45\u6c11\u8cfc\u8cb7\u8207\u975e\u7f8e\u570b\u5c45\u6c11\u8cfc\u8cb7\u7684\u5340\u5225<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u600e\u9ebc\u7406\u89e3\u7f8e\u570b\u5c45\u6c11\u8cfc\u8cb7\u5e74\u91d1\u7684\u9322\u5462\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u7a05\u52d9\u905e\u5ef6\u7684\u512a\u52e2\u662f\u4ec0\u9ebc\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u5c0f\u7d50<\/strong><strong>:<\/strong><\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u6587\/\u9ec3\u66c9\u6771<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/11\/\u9ec3\u66c9\u6771-461x600.jpg\" alt=\"\" class=\"wp-image-191911\"\/><\/figure>\n\n\n\n<p>\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&nbsp; <a href=\"mailto:\u627e\u6881\u5c0f\u59d0\u6216\u96fb\u90f5\u81f3dhuang@elitefig.com\">\u627e\u6881\u5c0f\u59d0\u6216\u96fb\u90f5\u81f3dhuang@elitefig.com<\/a>\u5831\u540d<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"biz,local,events,money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1614862475\"\r\n\t            data-title=\"\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u96aa\uff1f\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\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<\/p>\n","protected":false},"author":1,"featured_media":197740,"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":[13,7,12,18],"tags":[],"series":[],"class_list":["post-197739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-biz","category-local","category-events","category-money"],"aioseo_notices":[],"featured_image_urls":{"medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1-300x185.jpg","thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1-150x150.jpg","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1-400x308.jpg","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1-400x300.jpg","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1-450x308.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/\u5e74\u91d1.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=\"Dhu1DwlRxk\"><a href=\"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\/\">\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u96aa\uff1f<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"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\/embed\/#?secret=Dhu1DwlRxk\" width=\"500\" height=\"350\" title=\"&#8220;\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u96aa\uff1f&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"Dhu1DwlRxk\" 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\/2021\/03\/\u5e74\u91d1.jpg","jetpack-related-posts":[{"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":197739,"position":0},"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":211140,"url":"https:\/\/newsforchinese.com\/v3\/2021\/12\/05\/%e9%80%80%e4%bc%91%e5%b9%b4%e9%87%91-%e9%80%80%e4%bc%91%e9%a4%8a%e8%80%81%ef%bc%8c%e6%8f%90%e5%89%8d10%e5%b9%b420%e5%b9%b4%e8%a6%8f%e5%8a%83%e6%9b%b4%e5%a5%bd\/","url_meta":{"origin":197739,"position":1},"title":"\u9000\u4f11\u5e74\u91d1-\u9000\u4f11\u990a\u8001\uff0c\u63d0\u524d10\u5e7420\u5e74\u898f\u5283\u66f4\u597d","author":"Raymond","date":"December 5, 2021","format":false,"excerpt":"\u4ec0\u9ebc\u662f\u5e74\u91d1\u96aa \u5e74\u91d1\u4fdd\u96aa\u662f\u6307\uff0c\u5728\u88ab\u4fdd\u96aa\u4eba\u751f\u5b58\u671f\u9593\uff0c\u4fdd\u96aa\u4eba\u6309\u7167\u5408\u540c\u7d04\u5b9a\u7684\u91d1\u984d\u3001\u65b9\u5f0f\uff0c\u5728\u7d04\u5b9a\u7684\u671f\u9650\u5167\uff0c\u6709\u898f\u5247\u7684\u3001\u5b9a\u671f\u7684\u5411\u88ab\u4fdd\u96aa\u4eba\u7d66\u4ed8\u4fdd\u96aa\u91d1\u7684\u4fdd\u96aa\u3002 \u5e74\u91d1\u4fdd\u96aa\uff0c\u540c\u6a23\u662f\u7531\u88ab\u4fdd\u96aa\u4eba\u7684\u751f\u5b58\u70ba\u7d66\u4ed8\u689d\u4ef6\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u4f46\u751f\u5b58\u4fdd\u96aa\u91d1\u7684\u7d66\u4ed8\uff0c\u901a\u5e38\u63a1\u53d6\u7684\u662f\u6309\u5e74\u5ea6\u9031\u671f\u7d66\u4ed8\u4e00\u5b9a\u91d1\u984d\u7684\u65b9\u5f0f\uff0c\u56e0\u6b64\u7a31\u70ba\u5e74\u91d1\u4fdd\u96aa\u3002 \u70ba\u4ec0\u9ebc\u8981\u898f\u5283\u8981\u990a\u8001\u9000\u4f11\u548c\u4e00\u4e9b\u5206\u6790 \u9000\u4f11\u990a\u8001\u898f\u5283\u662f\u500b\u4eba\u7406\u8ca1\u898f\u5283\u7684\u91cd\u8981\u7d44\u6210\u90e8\u5206\uff0c\u662f\u4eba\u5011\u70ba\u4e86\u5728\u5c07\u4f86\u64c1\u6709\u9ad8\u54c1\u8cea\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u800c\u5f9e\u73fe\u5728\u958b\u59cb\u9032\u884c\u7684\u8ca1\u5bcc\u7a4d\u7d2f\u548c\u8cc7\u7522\u898f\u5283\u3002 \u6240\u8b02\u201c\u5175\u99ac\u672a\u52d5\uff0c\u7ce7\u8349\u5148\u884c\u201d\u3002 \u4e00\u3001\u990a\u8001\u898f\u5283\u5167\u5bb9\u9700\u8981\u5f9e\u4ee5\u4e0b\u5e7e\u500b\u65b9\u9762\u9032\u884c\u7d9c\u5408\u5206\u6790\uff1a 1.\u9810\u8a08\u9000\u4f11\u5e74\u9f61 \u5728\u7f8e\u570b\uff0c\u9000\u4f11\u5e74\u9f61\u901a\u5e38\u662f65\u6b72\u3002\u5728\u5feb\u7bc0\u594f\u7684\u73fe\u4ee3\u751f\u6d3b\u4e2d\uff0c\u9000\u4f11\u5c0d\u4eba\u5011\u7684\u5fc3\u7406\u3001\u6536\u5165\u3001\u751f\u6d3b\u72c0\u614b\u90fd\u6703\u7522\u751f\u4e00\u5b9a\u7a0b\u5ea6 \u7684\u5f71\u97ff\u3002\u5c24\u5176\u662f\u9000\u4f11\u5f8c\u65e5\u5e38\u6536\u5165\u7684\u5927\u5e45\u5ea6\u524a\u6e1b\u66f4\u52a0\u964d\u4f4e\u4e86\u4eba\u5011\u7684\u751f\u6d3b\u6c34\u5e73\u548c\u8cea\u91cf\u3002 \u56e0\u6b64\u70ba\u4e86\u5e73\u8861\u9000\u4f11\u524d\u5f8c\u5169\u6bb5\u6642\u671f\u7684\u4e0d\u540c\u751f\u6d3b\uff0c\u4eba\u5011\u9700\u8981\u7d50\u5408\u81ea\u8eab\u7684\u8ca1\u52d9\u3001\u8eab\u9ad4\u7b49 \u72c0\u6cc1\uff0c\u70ba\u81ea\u5df1\u78ba\u5b9a\u4e00\u500b\u7406\u60f3\u7684\u9000\u4f11\u5e74\u9f61\u3002 2.\u9000\u4f11\u751f\u6d3b\u5b89\u6392 \u4f9d\u64da\u81ea\u8eab\u7d93\u6fdf\u72c0\u6cc1\uff0c\u5728\u7d9c\u5408\u8003\u616e\u5bb6\u5ead\u6536\u5165\u548c\u652f\u51fa\u7684\u60c5\u6cc1\u4e0b\uff0c \u4eba\u5011\u61c9\u8a72\u5c0d\u81ea\u5df1\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u65b9\u5f0f\u548c\u751f\u6d3b\u8cea\u91cf \u9032\u884c\u6070\u7576\u7684\u8a55\u4f30\u548c\u5408\u7406\u7684\u5b89\u6392\u3002 \u4e00\u65b9\u9762\u8981\u76e1\u91cf\u7dad\u6301\u8f03\u597d\u7684\u751f\u6d3b\u6c34\u5e73\uff0c\u4e0d\u80fd\u964d\u4f4e\u751f\u6d3b\u8cea\u91cf\uff1b\u53e6\u4e00\u65b9\u9762\u9084\u8981\u8003\u616e\u5230\u81ea \u5df1\u7684\u5be6\u969b\u60c5\u6cc1\uff0c\u4e0d\u80fd\u76f2\u76ee\u8ffd\u6c42\u8d85\u6a19\u6e96\u751f\u6d3b\u3002 3.\u9000\u4f11\u751f\u6d3b\u8cbb\u7528 \u5c0d\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\uff0c\u4e0d\u540c\u4eba\u6703\u6709\u4e0d\u540c\u7684\u671f\u671b\uff0c\u6240\u9700\u8981\u7684\u8cbb\u7528\u4e5f \u4e0d\u76e1\u76f8\u540c\u3002\u5728\u88fd\u5b9a\u500b\u4eba\u9000\u4f11\u8a08\u5283\u6642\uff0c\u5c0d\u9000\u4f11\u751f\u6d3b\u7684\u671f\u671b\u61c9\u76e1\u53ef\u80fd\u8a73\u7d30\uff0c\u4e26\u6839\u64da\u5404\u500b\u689d\u76ee\u5217\u51fa\u5927\u6982\u6240\u9700\u7684\u8cbb\u7528\uff0c\u64da\u6b64\u4f86\u4f30\u7b97\u500b\u4eba\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u6210\u672c\uff0c\u5728\u5c0d\u81ea\u5df1\u9000\u4f11 \u4ee5\u5f8c\u60f3\u904e\u7684\u751f\u6d3b\u6709\u4e86\u6e05\u6670\u7684\u8a8d\u8b58\u4e4b\u5f8c\uff0c\u518d\u8003\u616e\u81ea\u8eab\u5df2\u7d93\u6e96\u5099\u4e86\u591a\u5c11\u990a\u8001\u91d1\uff0c\u9019\u4e9b\u9000\u4f11\u91d1 \u80fd\u5426\u6eff\u8db3\u81ea\u5df1\u8a2d\u60f3\u7684\u9000\u4f11\u751f\u6d3b\u3002 4.\u9000\u4f11\u91d1\u4f86\u6e90\u6e20\u9053 \u96a8\u8457\u6295\u8cc7\u7406\u8ca1\u65b9\u5f0f\u8d8a\u4f86\u8d8a\u591a\u5143\u5316\uff0c\u53ef\u4f9b\u990a\u8001\u7684\u8cc7\u91d1\u6e20\u9053\u4e5f\u65e5\u76ca\u589e\u591a\u3002 \u4e00\u662f\u793e\u4fdd\u990a\u8001\u91d1\u4fdd\u96aa\uff0c\u6bcf\u6708\u7531\u4f01\u696d\u548c\u500b\u4eba\u7e73\u7d0d\u4e00\u5b9a\u6bd4\u4f8b\u7684\u793e\u4fdd\u990a\u8001\u91d1\uff0c\u7b49\u5230 \u9000\u4f11\u5f8c\uff0c\u5c31\u53ef\u4ee5\u9818\u53d6\u4e00\u5b9a\u7684\u9000\u4f11\u91d1\u3002 \u4e8c\u662f\u4f01\u696d\u5e74\u91d1\u4fdd\u96aa\uff0c\u500b\u4eba\u8207\u4f01\u696d\u56fa\u5b9a\u63d0\u64a5\u4e00\u7b46\u9322\u7528\u4f86\u6295\u8cc7\u7d2f\u7a4d\u990a\u8001\u91d1\uff0c\u9000\u4f11 \u5f8c\u6309\u898f\u5b9a\u65b9\u5f0f\u652f\u4ed8\u3002 \u4e09\u662f\u5546\u696d\u4fdd\u96aa\uff0c\u990a\u8001\u5546\u696d\u4fdd\u96aa\u5728\u8a2d\u8a08\u4e0a\u6bd4\u8f03\u4eba\u6027\u5316\uff0c\u5728\u9818\u53d6\u6642\u9593\u4e0a\u5b8c\u5168\u56e0\u4eba\u800c\u8b8a\uff0c\u53ef\u4ee5\u6311\u9078\u6709\u5be6\u529b\u7684\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u3002\u56db\u662f\u81ea\u7c4c\u9000\u4f11\u91d1\uff0c\u81ea\u7c4c\u9000\u4f11\u91d1\u4e3b\u8981\u662f\u7a4d\u84c4\u6295\u8cc7\uff0c\u4f7f\u6709\u9650\u8cc7\u91d1\u767c\u63ee\u66f4\u5927\u6548\u7528\uff0c \u53ef\u4ee5\u9078\u64c7\u5e02\u5834\u4e0a\u5408\u9069\u7684\u6295\u8cc7\u5de5\u5177\u3002 \u4e8c\u3001\u70ba\u4ec0\u9ebc\u8981\u8cb7\u5e74\u91d1\u4fdd\u96aa 1\u3001\u64cd\u4f5c\u6027\u5f37 \u6295\u4fdd\u4e4b\u5f8c\u53ea\u8981\u6bcf\u5e74\u6309\u6642\u7e73\u8cbb\u57fa\u672c\u4e0a\u5c31\u4e0d\u9700\u8981\u505a\u4ec0\u9ebc\uff0c\u5c0d\u65bc\u4e0d \u592a\u559c\u6b61\u64cd\u5fc3\u6253\u7406\u8cc7\u91d1\u9019\u7a2e\u4e8b\u60c5\u7684\u4eba\u7fa4\u4f86\u8aaa\uff0c\u65e2\u65b9\u4fbf\u53c8\u6709\u4e00\u5b9a\u6536\u76ca\uff0c\u7e73\u8cbb\u4e4b\u5f8c\u5176\u4ed6\u7684\u4e8b\u60c5\u5b8c\u5168\u90fd\u53ef\u4ee5\u4ea4\u7d66\u4fdd\u96aa\u516c\u53f8\u53bb\u5b8c\u6210\u3002 2\u3001\u5f37\u5236\u5132\u84c4\u529f\u80fd \u5e74\u8f15\u4eba\u8cfc\u8cb7\u5e74\u8f15\u4fdd\u96aa\uff0c\u53ef\u4ee5\u990a\u6210\u9577\u671f\u5805\u6301\u5132\u84c4\u990a\u8001\u91d1\u7684 \u7fd2\u6163\uff0c\u505a\u5230\u5c08\u6b3e\u5c08\u7528\u3002\u5982\u82e5\u6295\u4fdd\u5177\u6709\u5206\u7d05\u529f\u80fd\u7684\u5546\u696d\u96aa\uff0c\u5176\u9644\u5e36\u7684\u589e\u503c\u4f5c\u7528\u5177\u6709 \u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u62b5\u79a6\u901a\u8ca8\u81a8\u8139\u7684\u98a8\u96aa\u3002 3\u3001\u56de\u5831\u660e\u78ba \u6839\u64da\u81ea\u5df1\u9000\u4f11\u5f8c\u6bcf\u6708\u5e0c\u671b\u5f9e\u4fdd\u96aa\u516c\u53f8\u9818\u53d6\u591a\u5c11\u990a\u8001\u91d1\uff0c\u5c31\u53ef \u4ee5\u8a08\u7b97\u51fa\u500b\u4eba\u8cfc\u8cb7\u7684\u984d\u5ea6\u548c\u7e73\u8cbb\u671f\u9650\u3002\u5230\u4e86\u7d04\u5b9a\u6642\u9593\u5f8c\uff0c\u5373\u53ef\u6bcf\u6708\u9818\u9322\u3002 \u9019\u662f\u5e74\u91d1\u4fdd\u96aa\u5340\u5225\u65bc\u5176\u4ed6\u7406\u8ca1\u54c1\u7a2e\u7684\u6700\u5927\u7279\u9ede\uff0c\u4e00\u822c\u7684\u7406\u8ca1\u7522\u54c1\uff0c\u5f88\u96e3\u7cbe\u78ba\u4f30\u7b97\u51fa\u5e7e\u5341 \u5e74\u5f8c\u7684\u6536\u76ca\u60c5\u6cc1\uff0c\u56e0\u6b64\u7121\u6cd5\u78ba\u5b9a\u597d\u56fa\u5b9a\u7684\u91d1\u984d\u3002 \u4e09\u3001\u5e74\u91d1\u7684\u512a\u9ede 1\uff0c\u5ef6\u7a05\uff0c\u6bcf\u5e74\u7684\u6536\u76ca\u4e0d\u7e73\u7d0d\u4efb\u4f55\u7a05\u52d9 2\uff0c\u5b58\u53d6\u5e74\u91d1\u6c92\u6709\u4e0a\u9650 3\uff0c\u8ca1\u5bcc\u50b3\u627f 4\uff0c\u53d7\u76ca\u4eba\u6c92\u6709\u722d\u8b70 5\uff0c\u9632\u6b62\u4e0b\u4e00\u4ee3\u4e00\u6b21\u628a\u9322\u82b1\u5149\uff0c\u53ef\u4ee5\u8a2d\u7f6e\u6839\u64da\u5e74\u9f61\u7684\u589e\u9577\u4f86\u9818\u53d6\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\/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":159715,"url":"https:\/\/newsforchinese.com\/v3\/2018\/07\/31\/%e5%8f%af%e4%bb%a5%e7%a9%8d%e7%b4%af%e8%b2%a1%e5%af%8c%e7%b5%82%e7%94%9f%e6%94%b6%e5%85%a5%e7%9a%84%e5%b9%b4%e9%87%91%e6%8a%95%e8%b3%87\/","url_meta":{"origin":197739,"position":2},"title":"\u53ef\u4ee5\u7a4d\u7d2f\u8ca1\u5bcc\u7d42\u751f\u6536\u5165\u7684\u5e74\u91d1\u6295\u8cc7","author":"Raymond","date":"July 31, 2018","format":false,"excerpt":"\u2605\u5e74\u91d1Annuity\u662f\u505a\u4ec0\u9ebc\u7528\u7684\uff1f\u6307\u6578\u578b\u5e74\u91d1Fixed indexed Annuity\u662f\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\uff0c\u662f\u8207\u4fdd\u96aa\u516c\u53f8\u9593\u7684\u4e00\u500b\u5408\u7d04\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\uff0c\u5176\u6700\u5927\u512a\u52e2\u5247\u70ba\u53ef\u4ee5\u5ef6\u7a05(\u4e0d\u53ef\u62b5\u7a05)\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1(\u8996\u5e74\u91d1\u7a2e\u985e\u800c\u5b9a)\u3002 \u25cf\u5e74\u91d1\u7684\u6700\u5927\u597d\u8655\uff1a\u5ef6\u9072\u8ab2\u7a05tax-deferral\u4ea6\u5373\u8a72\u5e33\u6236\u5167\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\uff0c\u653e\u9032\u5e74\u91d1\u5e33\u6236\u7684\u9322\u597d\u5e7e\u5341\u5e74\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u6295\u8cc7\u4eba\u63d0\u53d6\u88e1\u9762\u7684\u6b3e\u9805\u6642\u624d\u9700\u8ab2\u7a05\u3002\u7c21\u55ae\u8aaa\uff0c\u6295\u8cc7\u4eba\u53ea\u8981\u4e0d\u9818\uff0c\u5c31\u4e0d\u7528\u7e73\u7a05\u3002\u5176\u597d\u8655\u6709\u4e09\uff1a \u672a\u4f86\u7684\u7a05\u7387\u6703\u6bd4\u73fe\u5728\u4f4e\uff1a\u6295\u8cc7\u4eba\u5728\u9000\u4f11\u5f8c\u5f85\u63d0\u53d6\u6b3e\u9805\u6642\uff0c\u5c46\u6642\u7684\u6240\u5f97\u901a\u5e38\u5df2\u660e\u986f\u4f4e\u65bc\u5e74\u8f15\u6642(\u5982\u73fe\u5728)\uff0c\u6b64\u6642\u9069\u7528\u7684\u7a05\u7387\u5247\u6703\u5927\u5e45\u964d\u4f4e\uff0c\u6709\u52a9\u65bc\u7bc0\u7a05\u3002 \u8003\u91cf\u901a\u8ca8\u81a8\u6f32\uff1a\u5c31\u7b97\u73fe\u5728\u8207\u672a\u4f86\u7684\u7a05\u7387\u4e0d\u6703\u8b8a\uff0c\u4f46\u82e5\u8003\u91cf\u901a\u81a8\u554f\u984c\uff0c\u73fe\u5728\u7684$1,000\u572820\u5e74\u5f8c\u7684\u50f9\u503c\u672a\u5fc5\u4ecd\u662f$1,000\uff0c\u5f88\u6709\u53ef\u80fd\u6703\u6253\u500b\u597d\u5e7e\u6298\u3002 \u5229\u6efe\u5229\uff1a\u7531\u65bc\u4e0d\u9700\u6bcf\u5e74\u4ea4\u7a05\uff0c\u8cc7\u6536\u76ca\u53ef\u514d\u7a05\u7a4d\u7d2f\u5229\u6efe\u5229\u3002 \u2605\u8ab0\u9069\u5408\u8cfc\u8cb7\u5e74\u91d1\uff1f \u6e96\u5099\u898f\u5283\u9000\u4f11\u7684\u4eba\u3001\u60f3\u53ca\u65e9\u898f\u5283\u9000\u4f11\u751f\u6d3b\u8005\u3002 \u9000\u4f11\u8a08\u5283\u958b\u59cb\u8f03\u665a\uff0c\u9760401K\u7b49\u9000\u4fee\u8a08\u5283\u4e0d\u5920\u7d2f\u7a4d\u8db3\u5920\u9000\u4f11\u57fa\u91d1\u8005\u3002 \u6709\u4e00\u5927\u7b46\u9322\u77ed\u671f\u7528\u4e0d\u8457\u8005\u3002 401K\u3001IRA\u7b49\u9000\u4f11\u5e33\u6236\u4ee5\u6295\u8cc7\u5230\u4e0a\u9650\u8005\u200b\u200b\u3002 \u2605\u70ba\u4f55\u8981\u8cfc\u8cb7\u5e74\u91d1\uff1f \u70ba\u9000\u4f11\u751f\u6d3b\u505a\u5b8c\u5584\u898f\u5283\uff0c\u5e0c\u671b\u672a\u4f86\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u80fd\u7121\u865e\u3002 \u4ec0\u9ebc\u662f\u6307\u6578\u5e74\u91d1 Fixed Index Annuity \u4e0d\u6536\u4efb\u4f55\u8cbb\u7528\uff0c\u6c92\u6709\u92b7\u552e\u8cbb(Load )\uff0c\u4e5f\u4e0d\u6536\u7ba1\u7406\u8cbb\u7b49\u884c\u653f\u8cbb\u7528\u3002 \u2605When\uff5c\u4f55\u6642\u61c9\u8a72\u8cfc\u8cb7\u5e74\u91d1\uff1f\u4f55\u6642\u53ef\u9818\u51fa\uff1f \u25cf\u4f55\u6642\u8cfc\u8cb7\u5e74\u91d1\uff1f\u56e0\u4eba\u800c\u7570\u4e26\u7121\u4e00\u5b9a\u7684\u6a19\u6e96\u7b54\u6848\uff0c\u7aef\u8996\u6295\u8cc7\u4eba\u6253\u7b97\u7684\u9000\u4f11\u5e74\u9f61\u3001\u672a\u4f86\u8ffd\u6c42\u7684\u9000\u4f11\u751f\u6d3b\u578b\u614b\u3001\u76ee\u524d\u5e74\u7d00\u3001\u76ee\u524d\u6536\u5165\u7b49\u9032\u884c\u8a55\u4f30\u8003\u91cf\u3002\u5927\u9ad4\u800c\u8a00\uff0c\u82e5\u6253\u7b9760\u6b72\u9000\u4f11\uff0c50\u6b72\u662f\u500b\u53ef\u4ee5\u958b\u59cb\u9032\u884c\u5e74\u91d1\u898f\u5283\u7684\u4e0d\u932f\u5e74\u7d00\u3002 \u2605How\uff5c\u5982\u4f55\u63d0\u9818\u5e74\u91d1\uff1f \u5e74\u91d1\u63d0\u9818\u65b9\u5f0f\u5f88\u591a\u5143\uff0c\u6295\u4fdd\u8005\u53ef\u9078\u64c7\u4e00\u6b21\u5168\u90e8\u9818\u51fa\uff0c\u4e5f\u53ef\u5206\u621010\u5e74\u300120\u5e74\u6216\u7d42\u8eab(Life time)\u9678\u7e8c\u63d0\u53d6\uff0c\u7aef\u8996\u4f60\u7684\u5e74\u91d1\u4fdd\u55ae\u898f\u5b9a\uff0c\u4ee5\u53ca\u81ea\u5df1\u7684\u9700\u6c42\u53ca\u8003\u91cf\u53bb\u505a\u6c7a\u5b9a\u3002\u5728\u8cfc\u8cb7\u5e74\u91d1\u7576\u6642\uff0c\u6295\u8cc7\u4eba\u7121\u9808\u7acb\u5373\u6c7a\u5b9a\u8981\u63a1\u7528\u4f55\u7a2e\u63d0\u9818\u65b9\u5f0f\uff0c\u5728\u958b\u59cb\u63d0\u9818\u6642\u518d\u9078\u64c7\u9069\u5408\u65b9\u5f0f\u5373\u53ef\u3002 \u4ec0\u9ebc\u662fLife Time Income\u63d0\u53d6\u6cd5\uff1f\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4eba\u7684\u9810\u671f\u58fd\u547d\u548c\u6295\u4fdd\u8005\u5e74\u9f61\uff0c\u53bb\u7b97\u51fa\u4e00\u5e74\u61c9\u4ed8\u6295\u4fdd\u8005\u591a\u5c11\u9322\u3002\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u5728\u6295\u4fdd\u8005\u6709\u751f\u4e4b\u5e74\u4e00\u5b9a\u6703\u6bcf\u5e74\u7d66\u4e88\u4e00\u7b46\u5b9a\u984d\u7684\u9322\u3002\u5982\u679c\u6295\u4fdd\u8005\u6d3b\u8d85\u904e\u7f8e\u570b\u4eba\u5e73\u5747\u58fd\u547d\uff0c\u5247\u6295\u4fdd\u8005\u5c31\u8cfa\u5230\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u4e00\u76f4\u4ed8\u9322\u3002\u53cd\u89c0\u82e5\u6295\u4fdd\u8005\u6d3b\u4e0d\u904e\u5e73\u5747\u58fd\u547d\u4e5f\u5c31\u8667\u4e86\uff0c\u672a\u4ed8\u5b8c\u7684\u9322\u5c07\u6b78\u4fdd\u96aa\u516c\u53f8\u6240\u6709\u3002\u7576\u7136\uff0c\u6295\u4fdd\u8005\u4e5f\u80fd\u9078\u64c7\u4e0d\u8ce0\u4e0d\u8cfa\u7684\u63d0\u9818\u65b9\u5f0f\uff0c\u672a\u9818\u5b8c\u7684\u9322\u6b78\u53d7\u76ca\u4eba\u3002 \u5982\u679c\u73fe\u5728\u6709\u500bFixed Indexed Annuity \u7522\u54c1\u670930% \u7d05\u5229\uff0c\u53ef\u4ee5\u4fdd\u8b49\u53ea\u6f32\u4e0d\u8dcc\uff0c\u6297\u901a\u8ca8\u81a8\u8139\uff0c\u9084\u53ef\u4ee5\u9818\u7d42\u8eab\u6536\u5165\uff0c\u4f60\u9858\u610f\u4f86\u4e86\u89e3\u55ce\uff1f \u8acb\u99ac\u4e0a\u8ddf\u6211\u5011\u806f\u7e6b\uff0c408-781-5621 \u6216\u662f1-888-855-4061 \u74a9\u4ee5\u4e2d\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":206088,"url":"https:\/\/newsforchinese.com\/v3\/2021\/08\/28\/%e6%8f%ad%e7%a7%98%e7%be%8e%e5%9c%8b%e5%b9%b4%e9%87%91\/","url_meta":{"origin":197739,"position":3},"title":"\u63ed\u79d8\u7f8e\u570b\u5e74\u91d1","author":"Raymond","date":"August 28, 2021","format":false,"excerpt":"\u6211\u5011\u77e5\u9053\uff0c\u4e0d\u8ad6\u662f\u516c\u53f8\u768440EK\u8cec\u6236\u9084\u662f\u500b\u4eba\u9000\u4f11\u91d1\u8cec\u6236\uff0c\u5b83\u90fd\u6709\u5169\u500b\u7f3a\u9ede\uff1a \u7b2c\u4e00\uff0c\u6295\u8cc7\u7684\u98a8\u96aa\u662f\u81ea\u5df1\u627f\u64d4\u7684\uff0c\u56e0\u70ba\u6295\u8cc7\u6a19\u7684\u662f\u7531\u81ea\u5df1\u4f86\u9078\u64c7\uff0c\u4e0d\u592a\u9069\u5408\u4e0d\u61c2\u91d1\u878d\u7684\u670b\u53cb\uff1b \u7b2c\u4e8c\uff0c\u6bcf\u5e74\u53ef\u4ee5\u653e\u5165\u9000\u4f11\u91d1\u8cec\u6236\u7684\u91d1\u984d\u90fd\u662f\u6709\u9650\u5236\u7684\u3002 \u90a3\u9ebc\u6709\u6c92\u6709\u4e00\u500b\u89e3\u6c7a\u65b9\u6848\u80fd\u5920\u540c\u6642\u6eff\u8db3\u4f4e\u98a8\u96aa\u3001\u6536\u76ca\u7a69\u5b9a\uff0c\u53c8\u80fd\u4eab\u53d7\u7a05\u52d9\u512a\u60e0\uff0c\u540c\u6642\u53c8\u53ef\u4ee5\u591a\u653e\u9322\u7684\u5462\uff1f \u7b54\u6848\u662f\u80af\u5b9a\u7684\uff01\u4eca\u5929\u6211\u5011\u5c31\u4f86\u7d66\u5927\u5bb6\u4ecb\u7d39\u4e00\u4e0b\u7f8e\u570b\u7684\u5e74\u91d1 \u5e74\u91d1\uff0c\u662f\u7f8e\u570b\u5404\u500b\u91d1\u878d\u516c\u53f8\u70ba\u4e86\u6eff\u8db3\u7f8e\u570b\u4eba\u990a\u8001\u7684\u9700\u6c42\uff0c\u6839\u64da\u7f8e\u570b\u7684\u7a05\u6cd5\u8a2d\u8a08\u51fa\u4f86\u7684\u4e00\u500b\u4f4e\u98a8\u96aa\u3001\u56de\u5831\u7a69\u5b9a\u3001\u540c\u6642\u53c8\u4eab\u53d7\u7a05\u52d9\u512a\u60e0\u7684\u91d1\u878d\u7522\u54c1\u3002 \u7f8e\u570b\u5404\u5927\u91d1\u878d\u6a5f\u69cb\u3001\u4fdd\u96aa\u516c\u53f8\u90fd\u6709\u7d93\u71df\u5e74\u91d1\u7684\u696d\u52d9\u3002\u6295\u8cc7\u8005\u6839\u64da\u81ea\u5df1\u7684\u5be6\u969b\u60c5\u6cc1\u53ef\u4ee5\u4e00\u6b21\u6027\u6295\u5165\u6216\u8005\u5b9a\u671f\u8cfc\u8cb7\u5e74\u91d1\uff0c\u5e74\u91d1\u6295\u8cc7\u6536\u76ca\u4eab\u53d7\u81f3\u5c1150%\u7684\u7a05\u52d9\u512a\u60e0\u3002 \u6839\u64da\u8cfc\u8cb7\u5e74\u91d1\u7684\u8cc7\u91d1\u4f86\u6e90\u4e0d\u540c\u4eab\u53d7\u7684\u7a05\u52d9\u512a\u60e0\u4e5f\u662f\u4e0d\u540c\u7684\uff0c\u8cfc\u8cb7\u5e74\u91d1\u4e4b\u5f8c\uff0c\u5e74\u91d1\u7684\u6295\u8cc7\u6536\u76ca\u4eab\u53d7\u56b4\u7a05\u512a\u60e0\uff0c\u4e0d\u9700\u8981\u7576\u5e74\u7d0d\u7a05\uff0c\u6bcf\u5e74\u6240\u5f97\u6240\u6709\u7d05\u5229\u5168\u90e8\u53ef\u4ee5\u4f5c\u70ba\u672c\u91d1\u5728\u4e0b\u4e00\u5e74\u5ea6\u53bb\u8cfa\u53d6\u6295\u8cc7\u6536\u76ca\uff0c\u76f4\u5230\u4f60\u6c7a\u5b9a\u958b\u59cb\u5f9e\u5e74\u91d1\u8cec\u6236\u88e1\u63d0\u53d6\u8cc7\u91d1\u4f86\u88dc\u8cbc\u990a\u8001\uff0c\u9019\u500b\u6642\u5019\u624d\u9700\u8981\u6309\u7167\u63d0\u53d6\u91d1\u984d\u7684\u6bd4\u4f8b\u8a08\u7b97\u6295\u8cc7\u6536\u76ca\u90e8\u5206\u6709\u591a\u5c11\u3002 \u6309\u7167\u9577\u671f\u8f03\u4f4e\u7684\u5229\u7387\u4f86\u7d0d\u7a05\uff0c\u5e74\u91d1\u5728\u9818\u53d6\u7684\u6642\u5019\u4e5f\u662f\u5f88\u9748\u6d3b\u7684\uff0c\u53ef\u4ee5\u6309\u7167\u5728\u4f60\u6c7a\u5b9a\u9000\u4f11\u4e4b\u5f8c\u6839\u64da\u4f60\u7576\u6642\u7684\u60c5\u6cc1\u518d\u6c7a\u5b9a\u5982\u4f55\u9818\u53d6\u3002 \u76ee\u524d\uff0c\u7f8e\u570b\u5e02\u5834\u4e0a\u7684\u5e74\u91d1\u5206\u70ba\u4e09\u5927\u985e \u7b2c\u4e00\u5927\u985e\u53eb\u505a\u53ef\u8b8a\u5e74\u91d1\u3002\u5c31\u662f\u5e74\u91d1\u8cec\u6236\u88e1\u7684\u9322\u653e\u5728\u516c\u53f8\u7684\u5171\u540c\u57fa\u91d1\u4e2d\u6295\u8cc7\uff0c\u96a8\u8457\u5e02\u5834\u7684\u6ce2\u52d5\u4e0a\u4e0b\u6ce2\u52d5\uff0c\u6295\u8cc7\u6536\u76ca\u548c\u8667\u640d\u90fd\u7531\u5e74\u91d1\u8cfc\u8cb7\u4eba\u81ea\u5df1\u627f\u64d4\uff08\u9019\u985e\u7522\u54c1\u5462\u6211\u5011\u4e0d\u63a8\u85a6\uff0c\u56e0\u70ba\u5b83\u4e0d\u4fdd\u672c\uff0c\u6211\u5011\u5c31\u4e0d\u591a\u4ecb\u7d39\u4e86\uff09\u3002 \u7b2c\u4e8c\u985e\u53eb\u505a\u56fa\u5b9a\u5e74\u91d1\u3002\u5b83\u4e0d\u96a8\u5e02\u5834\u6ce2\u52d5\u800c\u6ce2\u52d5\uff0c\u5728\u8cfc\u8cb7\u9019\u7a2e\u5e74\u91d1\u7684\u6642\u5019\u92b7\u552e\u5e74\u91d1\u7684\u516c\u53f8\u6703\u7d66\u6295\u8cc7\u4eba\u4e00\u500b\u4fdd\u8b49\u7684\u5229\u7387\uff0c\u6309\u7167\u7576\u6642\u7684\u5e02\u5834\u4f86\u63a8\u7b97\uff0c\u901a\u5e38\u9019\u500b\u5229\u7387\u8981\u6bd4\u5b9a\u5b58\u9ad8\u4e00\u4e9b\uff08\u53ef\u80fd\u662f3.5%\u62164%\uff0c\u9ad8\u7684\u6642\u5019\u6703\u67095%-6%\uff09\u3002 \u7c3d\u7d04\u4e4b\u5f8c\u7684\u5e74\u4efd\u4e2d\u516c\u53f8\u5c31\u6309\u7167\u9019\u500b\u5229\u7387\u5b9a\u671f\u652f\u4ed8\u6295\u8cc7\u4eba\u56de\u5831\uff0c\u9019\u4e9b\u6295\u8cc7\u56de\u5831\u7d2f\u8a08\u9032\u5165\u4e0b\u4e00\u5e74\u7684\u6295\u8cc7\u4e2d\uff0c\u8907\u5229\u8a08\u7b97\u56de\u5831\uff08\u9019\u985e\u5e74\u91d1\u7684\u7279\u9ede\u5c31\u662f\u4fdd\u672c\uff0c\u6297\u901a\u8139\uff0c\u98a8\u96aa\u5c0f\uff09\u3002 \u7b2c\u4e09\u985e\u53eb\u505a\u6307\u6578\u578b\u5e74\u91d1\u3002\u9019\u985e\u5e74\u91d1\u5c31\u7d9c\u5408\u4e86\u53ef\u8b8a\u5e74\u91d1\u548c\u56fa\u5b9a\u5e74\u91d1\u7684\u512a\u9ede\uff0c\u5c6c\u65bc\u65e2\u4fdd\u672c\uff0c\u53c8\u6709\u8b93\u6295\u8cc7\u6709\u9ad8\u56de\u5831\u7684\u53ef\u80fd\u3002\u9019\u985e\u5e74\u91d1\u5728\u4f60\u6295\u8cc7\u7684\u6642\u5019\u91d1\u878d\u516c\u53f8\u5c31\u6703\u5728\u5408\u7d04\u88e1\u544a\u8a34\u4f60\u6703\u8ddf\u5e02\u5834\u4e0a\u6307\u8a8d\u7684\u6307\u6578\u639b\u9264\u4f86\u8a08\u7b97\u56de\u5831\u3002\u666e\u904d\u88ab\u5e02\u5834\u8a8d\u53ef\u7684\u6307\u6578\u5305\u62ec\u7d0d\u65af\u9054\u514b\u3001\u9053\u74ca\u65af\u3001\u9084\u6709\u6a19\u6e96\u666e\u723e\u6307\u6578\u7b49\uff0c\u9019\u4e9b\u90fd\u662f\u88ab\u5e74\u91d1\u516c\u53f8\u6240\u63a1\u7d0d\u7684\u3002 \u7576\u5e74\u91d1\u8207\u639b\u9264\u6307\u6578\u4e0a\u5347\u7684\u6642\u5019\uff0c\u51fa\u552e\u5e74\u91d1\u7684\u516c\u53f8\u5c31\u6309\u7167\u6307\u6578\u7684\u8d70\u52e2\u5411\u4f60\u652f\u4ed8\u7576\u5e74\u7684\u7d05\u5229\uff0c\u4f46\u662f\u9019\u500b\u7d05\u5229\u662f\u6709\u4e0a\u9650\u7684\uff0c\u901a\u5e38\u9019\u500b\u56de\u5831\u4e0a\u9650\u662f12.5%\u5de6\u53f3\u3002 \u6bd4\u5982\u8aaa\uff0c\u4eca\u5e74\u7684\u5e02\u5834\u6307\u6578\u8d70\u52e2\u7279\u5225\u597d\uff0c\u6f32\u4e8630%\uff0c\u4f46\u5e74\u91d1\u516c\u53f8\u53ea\u80fd\u7d66\u5230\u4f6012.5%\u56de\u5831\uff0c\u5269\u4e0b\u7684\u5c31\u662f\u91d1\u878d\u516c\u53f8\u81ea\u5df1\u8cfa\u4e86\uff1b\u4f46\u662f\u5982\u679c\u5e02\u5834\u8d70\u52e2\u4e0d\u597d\uff0c\u666e\u904d\u4e0b\u884c\uff0c\u4e0b\u8dcc10%\uff0c\u4f46\u4f60\u7684\u5e74\u91d1\u662f\u4fdd\u672c\u7684\uff0c\u4e0d\u6703\u8667\u640d\uff0c\u4e5f\u5c31\u662f\u8aaa\u4f60\u7684\u5e74\u91d1\u8d77\u4f0f\u53ea\u6703\u8ddf\u8457\u5e02\u5834\u5f80\u4e0a\u8d70\uff0c\u4e0d\u6703\u8ddf\u8457\u5e02\u5834\u5f80\u4e0b\u8d70\uff0c\u53ea\u8cfa\u4e0d\u8ce0\u3002 \u7d9c\u4e0a\u6240\u8ff0\uff0c\u6211\u5011\u6bd4\u8f03\u63a8\u85a6\u7684\u5c31\u662f\u56fa\u5b9a\u5e74\u91d1\u548c\u6307\u6578\u5e74\u91d1\uff0c\u56e0\u70ba\u98a8\u96aa\u5c0f\u3002 \u4e0b\u9762\uff0c\u4f86\u8aaa\u4e00\u8aaa\u5e74\u91d1\u7684\u7a05\u52d9\u512a\u60e0\u3002\u5206\u5169\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\u662f\u76f4\u63a5\u9032\u5165\u4e0b\u4e00\u5e74\u7684\u672c\u91d1\u4e2d\u7684\u7e7c\u7e8c\u76c8\u5229\uff0c\u76f4\u5230\u652f\u53d6\u7684\u6642\u5019\u624d\u6703\u6309\u7167\u652f\u53d6\u6bd4\u4f8b\u3002 \u6309\u7167\u9577\u671f\u6295\u8cc7\u8cc7\u672c\u8f03\u4f4e\u5229\u7387\u4f86\u7d0d\u7a05\uff0c\u6211\u5011\u7b97\u904e\u4e00\u7b46\u8cec\uff1a\u5982\u679c\u6295\u8cc7\u671f\u9650\u662f20\u5e74\uff0c\u5206\u7d05\u7576\u5e74\u5b8c\u7a05\u548c20\u5e74\u4e4b\u5f8c\u6309\u7167\u56b4\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 \u6700\u5f8c\u6211\u5011\u8981\u8aaa\u7684\u5c31\u662f\u5e74\u91d1\u7684\u652f\u53d6\u4e86\u3002\u56e0\u70ba\u5e74\u91d1\u4eab\u53d7\u4e86\u5f88\u591a\u7a05\u52d9\u4e0a\u7684\u512a\u60e0\uff0c\u7a05\u6cd5\u4e5f\u76f8\u61c9\u7684\u9650\u5236\u4e86\u5e74\u91d1\u7684\u652f\u53d6\u3002\u5e74\u91d1\u8cfc\u8cb7\u4ee5\u5f8c\u5fc5\u9808\u8981\u7b49\u5230\u5e74\u91d1\u6301\u6709\u4eba\u523059\u6b72\u4e4b\u5f8c\u624d\u80fd\u958b\u59cb\u652f\u53d6\uff0c\u5982\u679c\u63d0\u524d\u652f\u53d6\u7684\u8a71\u6703\u6709\u7f70\u91d1\u3002 \u53e6\u5916\u652f\u53d6\u7684\u65b9\u5f0f\u5206\u70ba\u4e09\u7a2e\uff1a \u7b2c\u4e00\u7a2e\u662f\u5230\u4e8659\u6b72\u4e00\u6b21\u6027\u53d6\u51fa\u4f86\u3002\u4f46\u6211\u5011\u4e0d\u5efa\u8b70\u9019\u7a2e\u652f\u53d6\u65b9\u5f0f\uff0c\u56e0\u70ba\u96d6\u7136\u8cc7\u672c\u5229\u76ca\u7684\u90e8\u5206\u7b26\u5408\u9577\u671f\u6301\u6709\u7684\u689d\u4ef6\u4f86\u4eab\u53d7\u9019\u500b\u7a05\u52d9\u512a\u60e0\uff0c\u4f46\u9019\u6a23\u4e00\u6b21\u6027\u652f\u53d6\u7684\u8a71\uff0c\u6703\u63a8\u9ad8\u4f6059\u6b72\u9019\u4e00\u5e74\u7684\u6536\u5165\uff1b \u7b2c\u4e8c\u7a2e\u662f\u6839\u64da\u5e74\u91d1\u6301\u6709\u4eba\u7684\u9700\u6c42\u5206\u671f\u652f\u53d6\u3002\u6bd4\u598210\u5e74\u300120\u5e74\u300130\u5e74\u4f86\u6162\u6162\u652f\u53d6\uff0c\u652f\u53d6\u7684\u904e\u7a0b\u4e2d\u5982\u679c\u5e74\u91d1\u6240\u6709\u4eba\u4e0d\u5e78\u96e2\u4e16\u4e86\uff0c\u5e74\u91d1\u8cec\u6236\u88e1\u5269\u9918\u7684\u9322\u6703\u81ea\u52d5\u652f\u4ed8\u7d66\u6a94\u6848\u4e2d\u7684\u53d7\u76ca\u4eba\uff1b \u7b2c\u4e09\u7a2e\u662f\u5982\u679c\u5e74\u91d1\u6301\u6709\u8005\u5c0d\u81ea\u5df1\u7684\u8eab\u9ad4\u72c0\u6cc1\u7279\u5225\u6709\u4fe1\u5fc3\uff0c\u4ed6\u53ef\u4ee5\u7533\u8acb\u7d42\u751f\u9818\u53d6\u3002\u91d1\u878d\u6a5f\u69cb\u6536\u5230\u9019\u7a2e\u7533\u8acb\u4e4b\u5f8c\u6703\u6839\u64da\u4f60\u76ee\u524d\u5e74\u91d1\u7684\u50f9\u503c\u4ee5\u53ca\u76ee\u524d\u7684\u5e74\u9f61\u9084\u6709\u7f8e\u570b\u4eba\u5e73\u5747\u58fd\u547d\u4f30\u7b97\u6bcf\u500b\u6708\u7684\u652f\u4ed8\u984d\u5ea6\uff0c\u7136\u5f8c\u5f9e\u9019\u5929\u958b\u59cb\u6309\u7167\u7d04\u5b9a\u7684\u984d\u5ea6\u7d66\u4f60\u652f\u4ed8\u9322\uff0c\u76f4\u5230\u53bb\u4e16\u3002\u9019\u6a23\u7684\u652f\u4ed8\u65b9\u5f0f\u5c31\u662f\u6d3b\u7684\u8d8a\u9577\u8d8a\u5212\u7b97\uff0c\u4f46\u662f\u5982\u679c\u5e74\u91d1\u6301\u6709\u4eba\u63d0\u65e9\u96e2\u4e16\u4e86\uff0c\u90a3\u9ebc\u5e74\u91d1\u8cec\u6236\u5269\u9918\u984d\u5ea6\u5c31\u6b78\u5e74\u91d1\u516c\u53f8\u62ff\u8d70\u4e86\u3002 \u6587\/\u9ec3\u66c9\u6771\u00a0 408-466-0233\u00a0 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":198405,"url":"https:\/\/newsforchinese.com\/v3\/2021\/03\/17\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e9%a4%8a%e8%80%81%e7%9a%84%e4%bf%9d%e9%9a%aa%e7%ae%b1-%e5%b9%b4%e9%87%91\/","url_meta":{"origin":197739,"position":4},"title":"\u7f8e\u570b\u4eba\u990a\u8001\u7684\u201c\u4fdd\u96aa\u7bb1\u201d &#8211; \u5e74\u91d1","author":"Raymond","date":"March 17, 2021","format":false,"excerpt":"\u201c\u4ee5\u623f\u990a\u8001\u201d\u662f\u4e2d\u570b\u4eba\u5275\u9020\u51fa\u4f86\u7684\u6982\u5ff5\uff0c\u56e0\u70ba\u4f4f\u623f\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u53ea\u662f\u4e00\u7a2e\u91d1\u878d\u7522\u54c1\uff0c\u800c\u91d1\u878d\u5e02\u5834\u4e0a\u53ef\u4ee5\u7528\u4f86\u990a\u8001\u7684\u91d1\u878d\u7522\u54c1\u6709\u5f88\u591a\uff0c\u7f8e\u570b\u4eba\u5e38\u7528\u7684\u990a\u8001\u91d1\u878d\u7522\u54c1\u5176\u5be6\u4e0d\u662f\u4f4f\u623f\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\uff0c\u800c\u662f\u88ab\u7a31\u4e4b\u70ba\u990a\u8001\u201c\u4fdd\u96aa\u7bb1\u201d\u7684\u990a\u8001\u4fdd\u96aa--\u5e74\u91d1\u3002 \u6309\u7167\u7f8e\u570b\u793e\u6703\u4fdd\u96aa\u5c40\u7684\u7d71\u8a08\uff0c65\u6b72\u7684\u7537\u6027\u6709\u5169\u6210\u7684\u6a5f\u6703\u6d3b\u523090\u6b72\uff0c\u800c65\u6b72\u7684\u5973\u6027\u5247\u6709\u8fd1\u4e09\u5206\u4e4b\u4e00\u7684\u6a5f\u6703\u6d3b\u523090\u6b72\u3002\u901a\u5e38\u4eba\u5011\u7684\u9000\u4f11\u91d1\u53ef\u4ee5\u6eff\u8db3\u9000\u4f11\u5f8c10\u5e74\u81f315\u5e74\u7684\u82b1\u8cbb\uff0c\u800c80\u6b72\u4ee5\u5f8c\u5982\u4f55\u4f86\u990a\u8001\u73fe\u5728\u6210\u4e86\u8001\u5e74\u4eba\u5fc5\u9808\u9762\u5c0d\u7684\u554f\u984c\u3002 \u7f8e\u570b\u7684\u7d93\u6fdf\u8870\u9000\uff0c\u8b93\u8d85\u904e\u4e00\u534a\u7684\u7f8e\u570b\u4eba\u64d4\u5fc3\u8001\u800c\u7121\u990a\u3002\u5176\u4e2d\u4e00\u9805\u6700\u660e\u986f\u7684\u5f8c\u679c\u662f\u6c11\u773e\u6295\u5165\u5230\u9000\u4f11\u57fa\u91d1\u4e2d\u7684\u9322\u5927\u7e2e\u6c34\uff0c\u4eba\u5230\u8001\u5e74\u906d\u9047\u201c\u9000\u4f11\u5371\u6a5f\u201d\u3002\u6839\u64da\u7f8e\u570b\u8001\u5e74\u4eba\u653f\u7b56\u7814\u7a76\u4e2d\u5fc3\u7684\u8abf\u67e5\uff0c53%\u7f8e\u570b\u4eba\u6700\u64d4\u5fc3\u8001\u800c\u7121\u990a\u3002\u7531\u65bc\u9000\u4f11\u57fa\u91d1\u5927\u591a\u6295\u8cc7\u5728\u80a1\u7968\u5e02\u5834\uff0c\u98a8\u96aa\u9ad8\uff0c\u5982\u679c\u5230\u9000\u4f11\u6642\u8d95\u4e0a\u80a1\u5e02\u5927\u8dcc\uff0c\u8f9b\u8f9b\u82e6\u82e6\u6522\u4e86\u4e00\u8f29\u5b50\u7684\u9322\u5f88\u5bb9\u6613\u201c\u718a\u201d\u9032\u4e86\u80a1\u5e02\uff0c\u5982\u4eca\u66f4\u591a\u7f8e\u570b\u4eba\u9078\u64c7\u5e74\u91d1\u4f5c\u70ba\u9000\u4f11\u7684\u4fdd\u969c\u3002 \u5148\u8209\u500b\u4f8b\u5b50\uff0c\u4e00\u5c0d65\u6b72\u7684\u96d9\u80de\u80ce\u5144\u5f1f\u8a08\u52832011\u5e74\u9000\u4f11\uff0c\u4f46\u5169\u5144\u5f1f\u70ba\u4e0d\u540c\u7684\u96c7\u4e3b\u5de5\u4f5c\uff0c\u96d6\u7136\u5728\u9000\u4f11\u524d\u5169\u4eba\u7a4d\u6522\u7684\u9000\u4f11\u91d1\u91d1\u984d\u5dee\u4e0d\u591a\uff0c\u4f46\u7531\u65bc\u9000\u4f11\u798f\u5229\u9ad4\u4fc2\u4e0d\u540c\uff0c\u5169\u4eba\u7684\u665a\u5e74\u751f\u6d3b\u5728\u6536\u5165\u4e0a\u537b\u6709\u8457\u8f03\u5927\u7684\u5dee\u5225\u3002\u54e5\u54e5\u9000\u4f11\u5f8c\u53ef\u6309\u7167\u50b3\u7d71\u7684\u990a\u8001\u91d1\u9ad4\u7cfb\u4eab\u53d7\u9000\u4f11\u798f\u5229\uff0c\u6bcf\u500b\u6708\u9818\u53d64000\u7f8e\u5143\u7684\u990a\u8001\u91d1\uff0c\u4e0d\u6703\u64d4\u5fc3\u6709\u4e00\u5929\u6703\u6c92\u9322\uff0c\u53ea\u8981\u751f\u547d\u4e0d\u606f\uff0c\u990a\u8001\u91d1\u5c31\u4e0d\u6b62\u3002 \u5f1f\u5f1f\u52a0\u5165\u73fe\u4ee3\u7684\u79c1\u71df\u4f01\u696d\u50f1\u54e1\u9000\u4f11\u9ad4\u7cfb\uff0c\u5f9e401K\u9000\u4f11\u57fa\u91d1\u4e2d\u4e00\u4e0b\u5b50\u7372\u5f97\u4e00\u5927\u7b46\u9322\u3002\u5f1f\u5f1f\u7684\u7169\u5fc3\u4e8b\u662f\u6709\u4e86\u4e00\u5927\u7b46\u9322\uff0c\u5c31\u5f97\u53bb\u7d93\u71df\uff0c\u9078\u64c7\u591a\u4e86\uff0c\u4f46\u7d50\u679c\u537b\u4e0d\u540c\uff0c\u800c\u4e14\u9084\u5f97\u64d4\u5fc3\u9000\u4f11\u57fa\u91d1\u6295\u8cc7\u4e0d\u7576\uff0c\u990a\u8001\u9322\u90fd\u6253\u6c34\u6f02\u4e86\u3002\u5f1f\u5f1f\u53ef\u4ee5\u7528\u9019\u7b46\u9322\u8cfc\u8cb7\u4fdd\u5b88\u7684\u50b5\u5238\u7d44\u5408\uff0c\u901a\u904e\u63d0\u53d6\u5229\u606f\u548c\u90e8\u5206\u672c\u91d1\u7372\u5f97\u6bcf\u500b\u67084000\u7f8e\u5143\u7684\u6536\u5165\uff0c\u5982\u679c\u662f\u9019\u7a2e\u5b89\u6392\uff0c\u5f1f\u5f1f\u7684\u990a\u8001\u91d1\u572885\u6b72\u6642\u6703\u5168\u90e8\u8017\u76e1\uff0c85\u6b72\u4ee5\u5f8c\u600e\u9ebc\u8fa6\uff0c\u5c31\u662f\u982d\u75db\u7684\u4e8b\u4e86\u3002\u5982\u679c\u7701\u8457\u9ede\u7528\uff0c\u6bcf\u6708\u53ea\u82b13000\u7f8e\u5143\uff0c\u5f1f\u5f1f\u7684\u990a\u8001\u91d1\u53ef\u4ee5\u7528\u5230100\u6b72\u3002 \u50c5\u5f9e\u9000\u4f11\u5f8c\u6536\u5165\u4f86\u770b\uff0c\u54e5\u54e5\u548c\u5f1f\u5f1f\u8ab0\u5e78\u798f\uff1f\u800c\u7b54\u6848\u662f\uff1a\u5e7e\u4e4e\u6240\u6709\u7684\u4eba\u90fd\u671f\u671b\u54e5\u54e5\u90a3\u7a2e\u7a69\u5b9a\u7684\u990a\u8001\u91d1\u65b9\u5f0f\uff0c\u800c\u4e0d\u662f\u5f1f\u5f1f\u9019\u6a23\u81ea\u7531\u4f46\u537b\u8907\u96dc\u7684\u9078\u64c7\u3002\u9019\u88e1\u6700\u95dc\u9375\u7684\u554f\u984c\u662f\uff0c\u54e5\u54e5\u5f0f\u7684\u990a\u8001\u91d1\u9ad4\u7cfb\u5728\u79c1\u71df\u4f01\u696d\u5e7e\u4e4e\u5230\u4e86\u7d55\u7a2e\u7684\u7a0b\u5ea6\uff0c\u800c\u5f1f\u5f1f\u5f0f\u990a\u8001\u91d1\u9ad4\u7cfb\u5df2\u6210\u4e86\u7f8e\u570b\u79c1\u71df\u4f01\u696d\u50f1\u54e1\u9000\u4f11\u7684\u4e3b\u8981\u9078\u64c7\u3002 \u4e0a\u9762\u8209\u51fa\u7684\u4f8b\u5b50\uff0c\u54e5\u54e5\u5728\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u56fa\u5b9a\u9818\u53d6\u4e00\u5b9a\u91d1\u984d\u7684\u990a\u8001\u91d1\uff0c\u800c\u4e14\u53ef\u4ee5\u9818\u53d6\u4e00\u8f29\u5b50\uff0c\u9019\u8b93\u4eba\u5011\u5f88\u7fa8\u6155\u3002\u5f1f\u5f1f\u624b\u982d\u7684\u9322\u4e5f\u4e0d\u5c11\uff0c\u4f46\u7e3d\u6709\u4e00\u7a2e\u4e0d\u5b89\u5168\u611f\u3002\u5982\u679c\u5f1f\u5f1f\u7684\u9000\u4f11\u751f\u6d3b\u4e5f\u80fd\u50cf\u54e5\u54e5\u4e00\u6a23\uff0c\u6bcf\u500b\u6708\u6709\u8f03\u9ad8\u7684\u56fa\u5b9a\u6536\u5165\uff0c\u4e0d\u64d4\u98a8\u96aa\u800c\u4e14\u9084\u80fd\u7ba1\u5f8c\u534a\u8f29\u5b50\uff0c\u9019\u4e0d\u5c31\u5f88\u5e78\u798f\u4e86\u55ce\uff1f\u5f1f\u5f1f\u80fd\u5426\u505a\u5230\u5982\u6b64\u5462\uff1f\u6309\u7167\u9000\u4f11\u798f\u5229\u9ad4\u7cfb\uff0c\u5f1f\u5f1f\u6c92\u9019\u4efd\u798f\u6c23\uff0c\u4f46\u7f8e\u570b\u7684\u4fdd\u96aa\u516c\u53f8\u6240\u63a8\u51fa\u7684\u5e74\u91d1\u537b\u70ba\u5f1f\u5f1f\u7684\u665a\u5e74\u751f\u6d3b\u5728\u6536\u5165\u4e0a\u5e36\u4f86\u4e86\u4fdd\u5e73\u5b89\u7684\u6a5f\u6703\u3002 \u76ee\u524d\u7f8e\u570b\u67092000\u591a\u5bb6\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u5e74\u91d1\u4fdd\u96aa\u670d\u52d9\uff0c\u5e74\u91d1\u7684\u54c1\u7a2e\u670915000\u591a\u500b\uff0c\u8f03\u597d\u7684\u4fdd\u96aa\u516c\u53f8\u7d04\u6709300\u591a\u500b\u3002\u5e74\u91d1\u662f\u6295\u4fdd\u4eba\u70ba\u81ea\u5df1\u6216\u662f\u914d\u5076\u9000\u4f11\u751f\u6d3b\u8cb7\u4e0b\u201c\u4fdd\u96aa\u201d\uff0c\u9019\u7a2e\u201c\u4fdd\u96aa\u201d\u4e0d\u53d7\u80a1\u5e02\u6216\u8b49\u5238\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u6295\u4fdd\u4eba\u5728\u9000\u4f11\u5f8c\u53ef\u4ee5\u6309\u6708\u9818\u53d6\u73fe\u91d1\u3002\u5e74\u91d1\u7684\u57fa\u672c\u904b\u4f5c\u65b9\u5f0f\u662f\u6295\u4fdd\u4eba\u4e00\u6b21\u6027\u6216\u662f\u5206\u671f\u4ed8\u6b3e\u8cfc\u8cb7\u5e74\u91d1\uff0c\u7136\u5f8c\u5728\u7279\u5b9a\u6642\u9593\u7531\u4fdd\u96aa\u516c\u53f8\u5411\u6295\u4fdd\u4eba\u6309\u7279\u5b9a\u7684\u5e74\u9650\u6309\u6708\u767c\u653e\u5e74\u91d1\uff0c\u6216\u662f\u4e00\u76f4\u5c07\u5e74\u91d1\u767c\u653e\u5230\u6295\u4fdd\u4eba\u53bb\u4e16\u70ba\u6b62\u3002\u5982\u679c\u5408\u7d04\u662f\u7d42\u8eab\u4ed8\u6b3e\uff0c\u90a3\u9ebc\u53ea\u8981\u6295\u4fdd\u4eba\u9084\u6d3b\u8457\uff0c\u54ea\u6015\u6295\u4fdd\u7684\u672c\u91d1\u5168\u90e8\u7528\u5149\uff0c\u4fdd\u96aa\u516c\u53f8\u4e5f\u8981\u7e7c\u7e8c\u70ba\u6295\u4fdd\u4eba\u6bcf\u6708\u6309\u7167\u539f\u6709\u898f\u5b9a\u7684\u91d1\u984d\u652f\u4ed8\u990a\u8001\u91d1\uff0c\u56e0\u6b64\u5e74\u91d1\u4e5f\u88ab\u7a31\u4f5c\u662f\u201c\u751f\u547d\u4e0d\u606f\u3001\u652f\u4ed8\u4e0d\u6b62\u201d\u3002 \u7f8e\u570b\u5e74\u91d1\u7522\u54c1\u985e\u578b\u5f88\u591a\uff0c\u4f46\u7e3d\u7684\u7279\u6027\u5dee\u4e0d\u591a\uff0c\u90a3\u5c31\u662f\u70ba\u6295\u4fdd\u4eba\u990a\u8001\u63d0\u4f9b\u4fdd\u96aa\u3002\u6700\u6d41\u884c\u7684\u5e74\u91d1\u6709\u56db\u7a2e\uff1a\u5373\u53d6\u5e74\u91d1\u3001\u56fa\u5b9a\u5e74\u91d1\u3001\u53ef\u8b8a\u5e74\u91d1\u3001\u6307\u6578\u5e74\u91d1\u3002\u5404\u7a2e\u5e74\u91d1\u5982\u4f55\u904b\u4f5c\u9019\u88e1\u5c31\u4e0d\u591a\u8ac7\uff0c\u4ee5\u5373\u53d6\u5e74\u91d1\u70ba\u4f8b\u770b\u770b\u201c\u4fdd\u96aa\u7bb1\u201d\u662f\u600e\u6a23\u70ba\u990a\u8001\u670d\u52d9\u7684\u3002\u6295\u4fdd\u4eba\u5728\u8cfc\u8cb7\u5e74\u91d1\u5f8c\u53ef\u4ee5\u6bcf\u6708\u9818\u53d6\u4e00\u5b9a\u91d1\u984d\u7684\u5e74\u91d1\uff0c\u4e00\u76f4\u9818\u5230\u904e\u4e16\u3002 \u4f8b\u5982\u4e00\u500b75\u6b72\u7684\u8001\u4eba\u8cfc\u8cb7\u4e8610\u842c\u7f8e\u5143\u7684\u5373\u53d6\u5e74\u91d1\uff0c\u4fdd\u96aa\u516c\u53f8\u4f9d\u64da\u5229\u7387\u548c\u9019\u4f4d\u8001\u4eba\u7684\u9810\u671f\u58fd\u547d\u8a08\u7b97\uff0c\u6bcf\u500b\u6708\u4ed8\u7d66\u9019\u4f4d\u8001\u4eba725\u7f8e\u5143\uff0c\u4e00\u76f4\u5230\u8001\u4eba\u904e\u4e16\u3002\u8001\u4eba82\u6b72\u6642\u8eab\u9ad4\u9084\u5f88\u5065\u5eb7\uff0c\u800c\u4ed6\u9818\u53d6\u7684\u5e74\u91d1\u5df2\u8d85\u904e10\u842c\u7f8e\u5143\u3002\u5982\u679c\u8001\u4eba\u6d3b\u523090\u6b72\uff0c\u4fdd\u96aa\u516c\u53f8\u7b49\u65bc\u8981\u8cbc\u4e0a\u4e03\u516b\u842c\u7f8e\u5143\u70ba\u8001\u4eba\u63d0\u4f9b\u990a\u8001\u91d1\u3002 \u5982\u679c\u8001\u4eba\u5728\u8cfc\u8cb7\u5e74\u91d1\u5f8c2\u5e74\u5f8c\u904e\u4e16\uff0c\u5e74\u91d1\u672c\u91d1\u9084\u5269\u4e0b8\u842c\u591a\u7f8e\u5143\uff0c\u8001\u4eba\u7684\u53d7\u76ca\u4eba\u53ef\u4ee5\u7e7c\u7e8c\u6309\u6708\u9818\u53d6\u672c\u91d1\uff0c\u76f4\u5230\u672c\u91d1\u5168\u90e8\u9818\u5b8c\u3002\u5373\u53d6\u5e74\u91d1\u901a\u5e38\u4e5f\u6703\u8a08\u7b97\u5229\u606f\u6536\u5165\uff0c\u53ef\u8b02\u8f03\u4fdd\u5b88\u7684\u6295\u8cc7\u3002\u6bd4\u5982\u4e00\u4f4d65\u6b72\u7684\u4eba\u6295\u516520\u842c\u7f8e\u5143\u8cfc\u8cb7\u5373\u53d6\u5e74\u91d1\uff0c\u6309\u7167\u5e74\u5229\u73876%\u8a08\u7b97\uff0c\u6309\u7167\u8a72\u4eba\u9810\u671f\u58fd\u547d85\u6b72\u8a08\u7b97\uff0c\u6bcf\u500b\u6708\u53ef\u4ee5\u9818\u53d61414\u7f8e\u5143\uff0c\u5230\u4e8685\u6b72\u6642\u9019\u4f4d\u8001\u4eba\u7e3d\u5171\u9818\u53d6\u7684\u5e74\u91d1\u9054\u5230339,499\u7f8e\u5143\u3002\u9019\u7b49\u65bc\u8aaa20\u5e74\u4e2d\uff0c\u9019\u4f4d\u8001\u4eba\u6295\u516520\u842c\u7f8e\u5143\u990a\u8001\uff0c\u6700\u5f8c\u7684\u56de\u5831\u589e\u52a0\u4e86\u8fd114\u842c\u7f8e\u5143\u3002 \u00a0\u4e0d\u8ad6\u662f\u201c\u4ee5\u623f\u990a\u8001\u201d\u9084\u662f\u5229\u7528\u5176\u5b83\u91d1\u878d\u7522\u54c1\u4f86\u990a\u8001\uff0c\u9019\u4e9b\u90fd\u662f\u6c11\u773e\u990a\u8001\u7684\u88dc\u5145\u624b\u6bb5\u3002\u6309\u7167\u7f8e\u570b\u7684\u990a\u8001\u9ad4\u7cfb\uff0c\u653f\u5e9c\u767c\u653e\u7684\u990a\u8001\u91d1\u662f\u666e\u60e0\u5236\uff0c\u9019\u662f\u8981\u70ba\u6240\u6709\u5de5\u4f5c\u904e\u7684\u4eba\u63d0\u4f9b\u665a\u5e74\u751f\u6d3b\u6700\u57fa\u672c\u7684\u4fdd\u969c\uff0c\u800c\u9019\u500b\u4fdd\u969c\u4e0d\u662f\u5929\u4e0a\u6389\u9921\u9905\uff0c\u800c\u662f\u5de5\u4f5c\u4eba\u7fa4\u5728\u5de5\u4f5c\u671f\u9593\u6bcf\u5e74\u8981\u4ea4\u7d0d\u990a\u8001\u7a05\u63db\u4f86\u7684\u3002\u653f\u5e9c\u516c\u52d9\u54e1\u9000\u4f11\u53ef\u4ee5\u4eab\u53d7\u9000\u4f11\u91d1\u5f85\u9047\uff0c\u79c1\u71df\u4f01\u696d\u50f1\u54e1\u5247\u8981\u4f9d\u8cf4\u4f01\u696d\u7684401K\u9000\u4f11\u57fa\u91d1\u7372\u53d6\u9000\u4f11\u91d1\u3002 \u6587\/\u9ec3\u66c9\u6771 \u9ec3\u66c9\u6771\u5c07\u57283\u670827\u65e5\u8209\u8fa6\u7db2\u4e0a\u6559\u80b2\u8b1b\u5ea7\uff0c\u8a73\u7d30\u8b1b\u89e3\u5404\u7a2e\u9577\u7167\u96aa\u7684\u512a\u7f3a\u9ede\u3002\u540c\u6642\u70ba\u5927\u5bb6\u89e3\u7d39\u9000\u4f11\u6307\u6578\u5e74\u91d1\uff0c\u9019\u7a2e\u5e74\u91d1\u958b\u6236\u5c31\u670918\uff05\u7684\u734e\u91d1\uff0c\u6bcf\u5e74\u53ef\u4ee5\u6210\u9577\u6307\u6578\u7684250\uff05 \uff0c\u96a8\u6642\u53ef\u9818\u6536\u5165\uff0c\u6536\u5165\u6bcf\u5e74\u90fd\u6703\u589e\u52a0\uff0c\u8b93\u4f60\u4e00\u76f4\u9818\u7d42\u751f\uff01\u6c92\u7528\u5b8c\u7684\u5269\u9918\u53ef\u4ee5\u7559\u7d66\u5bb6\u4eba\u3002 \u6b61\u8fce\u5927\u5bb6\u5831\u540d\u7db2\u4e0a\u8b1b\u5ea7\uff0c\u6642\u9593\uff1a3\u670827\u65e5\u4e0b\u53482\u9ede-3\u9ede\u534a\uff0c\u5831\u540d\u8acb\u96fb\uff1a408-466-0233\uff0c\u627e\u6881\u5c0f\u59d0\u3002\u6216\u96fb\u5b50\u90f5\u4ef6\uff1adhuang@elitefig.com\u6211\u5011\u628a\u9023\u63a5\u767c\u7d66\u4f60\u3002","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\/%E5%B9%B4%E9%87%91-small.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":165205,"url":"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\/","url_meta":{"origin":197739,"position":5},"title":"\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f","author":"Raymond","date":"December 18, 2018","format":false,"excerpt":"\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\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 \u00a0 \u4e00\u3001\u514d\u7a05\u9000\u4f11\u8a08\u756b \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 \u00a0 \u4e8c\u3001\u9000\u4f11\u5e74\u91d1\u8a08\u756b \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 \u00a0 \u4e09\u3001\u7c4c\u5099\u5b50\u5973\u6559\u80b2\u91d1 \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 \u56db\u3001\u8003\u616e\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa \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 \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 \"\u7a2e\u4e0b\u4e00\u68f5\u5c0f\u6a39\uff0c\u6536\u7a6b\u4e00\u7247\u852d\u6dbc\"\u3002 \u00a0 \u672c\u6587\u4f86\u81ea\uff1a\u7db2\u7d61","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/%E6%96%B0%E5%B9%B4%E6%9C%89%E7%90%86%E8%B4%A2%E4%BF%9D%E9%99%A9%E8%AE%A1%E5%88%92%E4%BA%86%E5%97%8E%EF%BC%9F.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/%E6%96%B0%E5%B9%B4%E6%9C%89%E7%90%86%E8%B4%A2%E4%BF%9D%E9%99%A9%E8%AE%A1%E5%88%92%E4%BA%86%E5%97%8E%EF%BC%9F.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/%E6%96%B0%E5%B9%B4%E6%9C%89%E7%90%86%E8%B4%A2%E4%BF%9D%E9%99%A9%E8%AE%A1%E5%88%92%E4%BA%86%E5%97%8E%EF%BC%9F.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/197739","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=197739"}],"version-history":[{"count":3,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/197739\/revisions"}],"predecessor-version":[{"id":197743,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/197739\/revisions\/197743"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/197740"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=197739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=197739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=197739"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=197739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}