{"id":200421,"date":"2021-04-28T10:18:07","date_gmt":"2021-04-28T17:18:07","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=200421"},"modified":"2021-04-28T10:18:09","modified_gmt":"2021-04-28T17:18:09","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u70ba\u4f55\u5e02\u5834\u4f4e\u8ff7\u662f\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4f73\u6642\u6a5f?"},"content":{"rendered":"\n<p>\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<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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&amp;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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u4e0b\u9762\u5c31\u4ecb\u7d39\u4e00\u6b3e\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u7522\u54c1\uff0c\u4f9b\u53c3\u8003\uff1a<\/strong><\/p>\n\n\n\n<p>\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% &#8211; 26.85% \u4e4b\u9593\uff0c\u7121\u4efb\u4f55\u8cbb\u7528\uff0c\u6c92\u6709\u9577\u671f\u8b77\u7406\u671f\u9593\u6536\u5165\u96d9\u500d\uff0c\u5269\u4e0b\u7684\u9322\u53ef\u4ee5\u50b3\u627f\u7d66\u81ea\u5df1\u7684\u5bb6\u4eba\u3002<\/p>\n\n\n\n<p>\u8209\u4f8b\uff1a\u67d0\u5973\u58eb\uff0c57\u6b72\uff0c\u5979\u4f4f\u5728\u99ac\u91cc\u862d\u5dde\uff0c\u5979\u628a\u524d\u516c\u53f8\u7684401K\u88e1\u768420\u842c\u7f8e\u5143\u8f49\u5230\u6b64\u6b3e\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f86\uff0c\u73fe\u91d1\u8cec\u6236\u4ee5Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c67\u6b72\u6642\uff0caccount value\u7d2f\u7a4d\u7d04\u6709$504,196\u7f8e\u5143\uff0c\u5979\u6253\u7b97\u572868\u6b72\u958b\u59cb\u62ff\u9322\uff0c\u5979\u6bcf\u5e74\u53ef\u9818\u53d6\u9000\u4f11\u6536\u5165\u7d04\u6709$45,000\u7f8e\u5143\uff0c80\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u9054\u5230$585,000\u7f8e\u5143\uff0c\u8eab\u5f8c\u7406\u8ce0\u91d1\u7d04\u6709$454,403\u7f8e\u5143\uff1b90\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u9054\u5230$1,035,000\u7f8e\u5143\uff0c\u8eab\u5f8c\u7406\u8ce0\u91d1\u7d04\u6709$415,576\u7f8e\u5143\uff1b 100\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u9054\u5230$1,485,000\u7f8e\u5143\uff0c\u8eab\u5f8c\u7406\u8ce0\u91d1\u7d04\u6709$317,693\u7f8e\u5143(\u4ee5\u4e0a\u5404\u7a2e\u6578\u64da\u50c5\u4f9b\u53c3\u8003\uff0c\u5be6\u969b\u6578\u64da\u6703\u56e0\u5e02\u5834\u548c\u500b\u4eba\u56e0\u7d20\u800c\u6709\u6240\u4e0d\u540c)\u3002<\/p>\n\n\n\n<p>\u5e74\u91d1\u7684\u9818\u53d6\u65b9\u5f0f\u6709\u591a\u7a2e\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u5168\u90e8\u53d6\u51fa\uff0c\u4e5f\u53ef\u4ee5\u520610\u5e74\uff0c20\u5e74\u6216\u7d42\u8eab\u9818\u53d6\uff08Lifetime income\uff09\u3002\u5982\u679c\u9078\u64c7\u7d42\u8eab\u9818\u53d6\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4eba\u7684\u9810\u671f\u58fd\u547d\uff0c\u518d\u6839\u64da\u6295\u8cc7\u4eba\u7684\u5e74\u9f61\uff0c\u7b97\u51fa\u53ef\u9818\u53d6\u7684\u5e74\u6536\u5165\u3002\u5982\u679c\u5be6\u969b\u58fd\u547d\u9577\u65bc\u7f8e\u570b\u4eba\u7684\u5e73\u5747\u9810\u671f\u58fd\u547d\uff0c\u90a3\u6bd4\u8f03\u5212\u7b97\uff0c\u56e0\u70ba\u53ea\u8981\u6295\u8cc7\u4eba\u5065\u5728\uff0c\u7121\u8ad6\u591a\u5927\u5e74\u7d00\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u5b9a\u8981\u7e7c\u7e8c\u4ed8\u990a\u8001\u91d1\u7d66\u6295\u8cc7\u4eba\u3002\u5982\u679c\u6c92\u5230\u5e73\u5747\u58fd\u547d\uff0c\u9918\u4e0b\u7684\u9322\u6b78\u4fdd\u96aa\u516c\u53f8\u3002<\/p>\n\n\n\n<p>\u7576\u7136\u4e5f\u53ef\u4ee5\u9078\u64c7\u66f4\u7a69\u5065\u7684\u9818\u53d6\u65b9\u5f0f\uff0c\u9078\u64c7\u5c07\u672a\u9818\u5b8c\u7684\u9322\u6b78\u53d7\u76ca\u4eba\uff1b\u4f46\u9019\u6a23\u7684\u8a71\uff0c\u6bcf\u5e74\u53ef\u9818\u53d6\u7684\u91d1\u984d\u8981\u5c0f\u4e9b\u3002\u8cfc\u8cb7\u5e74\u91d1\u6642\u4e26\u4e0d\u9700\u8981\u6c7a\u5b9a\u5982\u4f55\u9818\u53d6\uff0c\u958b\u59cb\u9818\u53d6\u6642\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u8eab\u9ad4\u72c0\u6cc1\u548c\u751f\u6d3b\u9700\u6c42\u9078\u64c7\u6700\u9069\u5b9c\u7684\u9818\u53d6\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p>\u6587\/\u9ec3\u66c9\u6771<\/p>\n\n\n\n<p>\u6bcf\u6708\u8209\u8fa6\u7dda\u4e0a\u7406\u8ca1\u8b1b\u5ea7\uff0c\u8a62\u554f\u8b1b\u5ea7\u65e5\u671f\u8acb\u96fb\uff1a408-466-0233\uff0c\u627e\u6881\u5c0f\u59d0\u3002\u6216\u8005\u767c\u96fb\u5b50\u90f5\u4ef6\u7d66\u6211\u5011\u53d6\u7684\u7db2\u4e0a\u8b1b\u5ea7\u7684\u9023\u63a5\uff1adhuang@elitefig.com<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/%E9%BB%83%E6%9B%89%E6%9D%B1.jpg?resize=461%2C600&amp;ssl=1\" alt=\"\" class=\"wp-image-199569\"\/><\/figure>\n\n\n\n<p><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"business,biz,money,opinion,%e9%a7%90%e7%ab%99%e4%bd%9c%e5%ae%b6\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1619605087\"\r\n\t            data-title=\"\u70ba\u4f55\u5e02\u5834\u4f4e\u8ff7\u662f\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4f73\u6642\u6a5f?\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\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<\/p>\n","protected":false},"author":1,"featured_media":200422,"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":[609,13,18,31,139],"tags":[],"series":[],"class_list":["post-200421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-biz","category-money","category-opinion","category-139"],"aioseo_notices":[],"featured_image_urls":{"medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-300x211.jpg","thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-150x150.jpg","post-thumbnail-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-500x330.jpg","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-400x351.jpg","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-400x300.jpg","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-450x351.jpg","post-board-2-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment-500x332.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment.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=\"0HizRNFdWj\"><a href=\"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\/\">\u70ba\u4f55\u5e02\u5834\u4f4e\u8ff7\u662f\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4f73\u6642\u6a5f?<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"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\/embed\/#?secret=0HizRNFdWj\" width=\"500\" height=\"350\" title=\"&#8220;\u70ba\u4f55\u5e02\u5834\u4f4e\u8ff7\u662f\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4f73\u6642\u6a5f?&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"0HizRNFdWj\" 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\/04\/investment.jpg","jetpack-related-posts":[{"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":200421,"position":0},"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":202514,"url":"https:\/\/newsforchinese.com\/v3\/2021\/06\/12\/%e5%9b%ba%e5%ae%9a%e6%8c%87%e6%95%b8%e5%b9%b4%e9%87%91%e7%9a%84%e5%88%a9%e8%88%87%e5%bc%8a\/","url_meta":{"origin":200421,"position":1},"title":"\u7f8e\u570b\u5e74\u91d1\u77e5\u591a\u5c11","author":"Raymond","date":"June 12, 2021","format":false,"excerpt":"\u9000\u4f11\u5f8c\uff0c\u6bcf\u500b\u4eba\u90fd\u8a08\u5283\u904e\u4e00\u7a2e\u8212\u9069\u7684\u751f\u6d3b\uff0c\u5728\u7d93\u6fdf\u4e0a\u4e0d\u4f9d\u8cf4\u65bc\u81ea\u5df1\u7684\u5b69\u5b50\u3002\u56e0\u6b64\uff0c\u5b58\u8db3\u5920\u7684\u9322\u8b93\u9000\u4f11\u6210\u70ba\u4e00\u500b\u4eba\u4e00\u751f\u7684\u9ec3\u91d1\u968e\u6bb5\uff0c\u4ecd\u7136\u662f\u4e00\u500b\u4eba\u751f\u6d3b\u7684\u57fa\u672c\u7d93\u6fdf\u76ee\u6a19\u3002\u5982\u679c\u4f60\u6709\u56fa\u5b9a\u7684\u6536\u5165\uff0c\u4f60\u5f88\u6709\u53ef\u80fd\u64c1\u6709\u8c50\u539a\u7684\u85aa\u6c34\u3002\u7136\u800c\uff0c\u5373\u4fbf\u9019\u6a23\uff0c\u9000\u4f11\u5f8c\u4f60\u4e5f\u53ef\u80fd\u6c92\u6709\u9322\u3002 \u56e0\u6b64\uff0c\u5982\u679c\u4f60\u64d4\u5fc3\u81ea\u5df1\u5728\u9000\u4f11\u5f8c\u6c92\u6709\u8db3\u5920\u7684\u6536\u5165\u4f86\u652f\u6490\u4f60\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u90a3\u9ebc\u5c31\u61c9\u8a72\u9078\u64c7\u4e00\u500b\u8a08\u5283\uff0c\u70ba\u4f60\u63d0\u4f9b\u56fa\u5b9a\u7684\u6536\u5165\u3002\u90a3\u9ebc\uff0c\u4eca\u5929\u6211\u5011\u4f86\u8a0e\u8ad6\u5e74\u91d1\u548c\u5b83\u7684\u512a\u9ede\u3002\u53ea\u6709\u7372\u5f97\u9069\u7576\u7684\u77e5\u8b58\uff0c\u4f60\u624d\u61c9\u8a72\u9078\u64c7\u4e00\u500b\u8a08\u5283\u3002 \u4ec0\u9ebc\u662f\u5e74\u91d1 \u5e74\u91d1\u88ab\u5b9a\u7fa9\u70ba\u4e00\u500b\u4eba\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u5408\u540c\uff0c\u516c\u53f8\u627f\u8afe\u9019\u500b\u4eba\u652f\u4ed8\u56fa\u5b9a\u7684\u6536\u5165\u3002\u5e74\u91d1\u5141\u8a31\u5ba2\u6236\u5c07\u9322(\u4fdd\u8cbb)\u5b58\u5165\u4e00\u500b\u4fdd\u96aa\u516c\u53f8\uff0c\u8a72\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5728\u8207\u5ba2\u6236\u7c3d\u8a02\u7684\u5354\u8b70\u4e2d\u5728\u5ef6\u7a05\u7684\u57fa\u790e\u4e0a\u7372\u5f97\u5229\u606f\u548c\u589e\u9577\uff0c\u4fdd\u96aa\u516c\u53f8\u96a8\u5f8c\u5c07\u5b9a\u671f\u5411\u5ba2\u6236\u63d0\u4f9b\u4e00\u7cfb\u5217\u7684\u4ed8\u6b3e\u3002 \u4eba\u5011\u901a\u5e38\u8cfc\u8cb7\u5e74\u91d1\u4f86\u63d0\u4f9b\u6216\u88dc\u5145\u4ed6\u5011\u5c07\u5f9e\u793e\u6703\u4fdd\u969c\u3001\u990a\u8001\u91d1\u798f\u5229\u3001\u6295\u8cc7\u548c\u5176\u4ed6\u4f86\u6e90\u7372\u5f97\u7684\u9000\u4f11\u6536\u5165\u3002\u4f60\u53ef\u4ee5\u5c07\u4f60\u7684\u5e74\u91d1\u8f49\u63db\u6210\u4e00\u7a2e\u6536\u5165\u6d41\uff0c\u7136\u5f8c\u53ef\u4ee5\u5728\u56fa\u5b9a\u671f\u9650\u6216\u4f60\u7684\u4e00\u751f\u4e2d\u652f\u4ed8\u3002\u7576\u4f60\u9700\u8981\u6536\u5165\u6642\uff0c\u4f60\u53ef\u4ee5\u53d6\u4e0d\u540c\u6578\u984d\u7684\u53d6\u6b3e\u3002 \u5e74\u91d1\u7684\u7a2e\u985e \u4e00\u822c\u6709\u5169\u7a2e\u4e0d\u540c\u985e\u578b\u7684\u5e74\u91d1: \u3010\u5373\u671f\u5e74\u91d1\u3011 Immediate Annuities \u63d0\u4f9b\u901a\u5e38\u5728\u652f\u4ed8\u5f8c\u4e00\u5e74\u5167\u958b\u59cb\u7684\u6536\u5165\u652f\u4ed8\u3002 \u3010\u5ef6\u671f\u5e74\u91d1\u3011 Deferred Annuities \u63d0\u4f9b\u6536\u5165\u652f\u4ed8\uff0c\u901a\u5e38\u5728\u5f88\u591a\u5e74\u4e4b\u5f8c\u958b\u59cb\u3002\u5ef6\u671f\u5e74\u91d1\u662f\u70ba\u9577\u671f\u5132\u84c4\u76ee\u7684\u800c\u8a2d\u8a08\u7684\u3002\u53ef\u7528\u4e00\u6b21\u6027\u8cfc\u8cb7\uff0c\u6216\u96a8\u6642\u9593\u652f\u4ed8\u9748\u6d3b\u4fdd\u8cbb\u3002\u7576\u4f60\u9700\u8981\u5f9e\u5ef6\u671f\u5e74\u91d1\u4e2d\u7372\u5f97\u6536\u76ca\u6642\uff0c\u4f60\u6703\u6709\u5f88\u591a\u9078\u64c7\u4f86\u6eff\u8db3\u4f60\u7684\u9700\u6c42\u3002 \u5ef6\u671f\u5e74\u91d1 \u4e00\u3001\u5b9a\u606f\u5e74\u91d1\uff08Fixed Interest Annuities\uff09-\u56fa\u5b9a\u5229\u7387\u8207\u4e2d\u9593\u9810\u671f\u6301\u6709\u671f-\u985e\u4f3c\u65bc\u5b58\u6b3e\u8b49\uff08Certificate Of Deposit\uff09 \u4f60\u53ef\u4ee5\u5728\u5e74\u91d1\u4e2d\u901a\u904e\u4e00\u6b21\u6027\u5b58\u6b3e\u6216\u8005\u4e00\u7cfb\u5217\u5b58\u6b3e\u3002\u5b58\u6b3e\u6309\u7167\u516c\u53f8\u898f\u5b9a\u7684\u56fa\u5b9a\u5229\u7387\u7d2f\u7a4d \u6709\u6700\u4f4e\u5229\u7387\u4fdd\u8b49 \u4f60\u53ef\u4ee5\u572859 1\/2 \u6b72\u7684\u6642\u5019\u63d0\u53d6\uff0c\u4e26\u4e14\u6c92\u6709\u53e6\u5916\u7684\u7a05\u7f70 \u6536\u5165\u53ef\u4ee5\u6301\u7e8c\u4e00\u751f\u6216\u8005\u4e00\u500b\u6307\u5b9a\u7684\u671f\u9650\uff0c\u6bd4\u598210\u5e74 \u4f60\u53ef\u4ee5\u901a\u904e\u591a\u7a2e\u65b9\u5f0f\u4f86\u63d0\u53d6\u6536\u5165 \uff08\u6bcf\u500b\u6708\uff0c\u6bcf\u500b\u5b63\u5ea6\uff0c\u6bcf\u534a\u5e74\u6216\u8005\u6bcf\u5e74\uff09 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6309\u56fa\u5b9a\u671f\u9650\u63d0\u53d6\uff0c\u6bd4\u598210\u5e74 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6301\u7e8c\u4f60\u7684\u4e00\u751f\u63d0\u53d6 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6309\u7167\u5176\u4ed6\u4eba\u7684\u751f\u547d\u671f\u9650\u4f86\u63d0\u53d6 \u56fa\u5b9a\u5e74\u91d1\u88ab\u8a8d\u70ba\u662f\u5b89\u5168\u7684\u6295\u8cc7\uff0c\u56e0\u70ba\u672c\u91d1\u662f\u7531\u767c\u884c\u4fdd\u96aa\u516c\u53f8\u64d4\u4fdd\u7684\uff0c\u4e26\u5728\u4e00\u5b9a\u9650\u984d\u5167\uff0c\u7531\u570b\u5bb6\u4fdd\u96aa\u64d4\u4fdd\u57fa\u91d1\u64d4\u4fdd\u3002 \u4e8c\u3001\u6307\u6578\u5e74\u91d1\uff08Indexed Annuities \uff09- \u53ef\u8b8a\u5229\u7387\u8207\u9577\u671f\u9810\u671f\u6301\u6709\u671f\u3002\u5229\u7387\u901a\u5e38\u8207\u80a1\u7968\u5e02\u5834\u6307\u6578\u639b\u9264\u3002 \u6307\u6578\u5316\u5e74\u91d1\u4e0d\u76f4\u63a5\u53c3\u8207\u4efb\u4f55\u80a1\u7968\u6216\u80a1\u6b0a\u6295\u8cc7\u3002\u5927\u591a\u6578\u88ab\u6307\u6578\u5316\u7684\u5e74\u91d1\u90fd\u5141\u8a31\u696d\u4e3b\u53ea\u53c3\u8207\u4e00\u500b\u6307\u6578\u7684\u4e0a\u5347\u767e\u5206\u6bd4\uff0c\u4e26\u4e14\u9084\u898f\u5b9a\u4e86\u4e00\u500b\u201c\u4e0a\u9650\u201d\uff0c\u5373\u5141\u8a31\u5408\u540c\u6240\u6709\u8005\u7684\u6700\u9ad8\u5e74\u5ea6\u8cec\u6236\u589e\u503c\u767e\u5206\u6bd4\u3002\u6295\u8cc7\u4e0d\u80fd\u76f4\u63a5\u6295\u8cc7\u65bc\u6307\u6578\u3002 \u6307\u6578\u5316\u5e74\u91d1\u662f\u4e00\u7a2e\u56fa\u5b9a\u5e74\u91d1\uff0c\u5229\u7387\u7531\u5e02\u5834\u6307\u6578\u6c7a\u5b9a(\u4f8b\u5982\u6a19\u6e96\u666e\u723e500)\u3002\u9019\u7a2e\u5e74\u91d1\u901a\u5e38\u88ab\u8a8d\u70ba\u662f\u4e00\u7a2e\u6bd4\u8f03\u4fdd\u5b88\u7684\u6295\u8cc7\u5e74\u91d1\u7684\u65b9\u5f0f \u98a8\u96aa\u8f03\u4f4e\uff0c\u56de\u5831\u4e5f\u76f8\u5c0d\u8f03\u4f4e\uff1b\u4e0d\u9069\u7528\u65bc\u77ed\u671f\u5132\u84c4\u6295\u8cc7 \u901a\u5e38\u7d66\u6295\u8cc7\u8005\u63d0\u4f9b\u4e0d\u540c\u7684\u5229\u7387\u6536\u76ca\u7684\u9078\u64c7 \u5f9e\u9577\u671f\u4f86\u770b\uff0c\u6307\u6578\u5e74\u91d1\u53ef\u80fd\u6bd4\u56fa\u5b9a\u5e74\u91d1\u6709\u66f4\u5927\u7684\u6536\u76ca\uff0c\u4f46\u662f\u5728\u6307\u6578\u4e0b\u8dcc\u6642\uff0c\u662f\u6c92\u6709\u5229\u606f\u53ef\u4ee5\u62ff\u7684 \u901a\u904e\u6700\u4f4e\u4fdd\u8b49\u78ba\u4fdd\u4f60\u7684\u73fe\u91d1\u50f9\u503c\u4e0d\u6703\u56e0\u70ba\u6307\u6578\u7684\u6e1b\u5c11\u800c\u4e0b\u964d \u548c\u53ef\u8b8a\u5e74\u91d1\u985e\u4f3c\uff0c\u6307\u6578\u5e74\u91d1\u4e5f\u662f\u6703\u6536\u53d6\u4e00\u5b9a\u7684\u89e3\u7d04\u8cbb\u7528\uff1a20%-1%\u4e0d\u7b49\u7684\u89e3\u7d04\u8cbb\u7528\uff0c1-16\u5e74\u4e0d\u7b49\u7684\u89e3\u7d04\u6642\u9593\uff08\u901a\u5e38\u662f10-13\u5e74\uff09\u2026","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\/2021\/06\/%E5%9B%BA%E5%AE%9A%E6%8C%87%E6%95%B8%E5%B9%B4%E9%87%91Fixed-Index-Annuities%E7%9A%84%E5%88%A9%E8%88%87%E5%BC%8A-small.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":207464,"url":"https:\/\/newsforchinese.com\/v3\/2021\/09\/22\/%e5%84%b2%e8%93%84%e5%88%a9%e7%8e%87%e6%8e%a5%e8%bf%910%ef%bc%8c%e9%8c%a2%e5%ad%98%e5%93%aa%e8%a3%a1%ef%bc%9f\/","url_meta":{"origin":200421,"position":2},"title":"\u5132\u84c4\u5229\u7387\u63a5\u8fd10%\uff0c\u9322\u5b58\u54ea\u88e1\uff1f","author":"Raymond","date":"September 22, 2021","format":false,"excerpt":"\u7f8e\u806f\u5132\u4e3b\u5e2d\u9b91\u5a01\u723e\u660e\u78ba\u8868\u793a\uff1a\u201c\u7f8e\u570b\u806f\u90a6\u516c\u958b\u59d4\u54e1\u6703\u5c0d\u8ca0\u5229\u7387\u7684\u770b\u6cd5\u6c92\u6709\u6539\u8b8a\uff0c\u8ca0\u5229\u7387\u4e0d\u662f\u6211\u5011\u6240\u95dc\u6ce8\u7684\u3002\u201d \u9b91\u5a01\u723e\u4e3b\u8981\u8868\u9054\u4e86\u5e7e\u500b\u89c0\u9ede\uff1a \u7b2c\u4e00\uff0c\u7f8e\u806f\u5132\u4e0d\u6703\u8003\u616e\u8ca0\u5229\u7387\uff0c\u6703\u6301\u7e8c\u4f7f\u7528\u7576\u524d\u7684\u5404\u7a2e\u624b\u6bb5\u63d0\u4f9b\u6d41\u52d5\u6027\uff1b \u7b2c\u4e8c\uff0c\u7f8e\u570b\u7d93\u6fdf\u7684\u8907\u8607\uff0c\u5305\u62ec\u52de\u52d5\u529b\u5e02\u5834\uff0c\u53ef\u80fd\u6703\u6bd4\u60f3\u50cf\u4e2d\u66f4\u6162\uff0c\u800c\u7d93\u6fdf\u4f9d\u7136\u9762\u81e8\u8457\u986f\u8457\u7684\u4e0b\u884c\u98a8\u96aa\uff1b \u7b2c\u4e09\uff0c\u547c\u7c72\u4f86\u81ea\u7f8e\u570b\u653f\u5e9c\u66f4\u5f37\u52c1\u7684\u8ca1\u653f\u653f\u7b56\u652f\u6301\u3002 \u5b9a\u671f\u5b58\u6b3e\u5229\u7387 \u806f\u5132\u4f4e\u5229\u7387\uff0c\u6700\u76f4\u89c0\u5f71\u97ff\u5c31\u662f\u9280\u884c\u5b58\u6b3e\u5229\u7387\u9032\u4e00\u6b65\u8d70\u4f4e\u3002\u5728\u7f8e\u570b\u53bb\u9280\u884c\u958b\u6236\uff0c\u901a\u5e38\u6703\u6709checking account\uff0csaving account \u53ef\u4ee5\u9078\uff0c\u4f46\u5982\u679c\u662f\u8981\u5b58\u5b9a\u671f\u5b58\u6b3e\uff0c\u90a3\u5c31\u662fCD (certificate of deposit)\u3002 \u6295\u80a1\u5e02\u98a8\u96aa\u592a\u5927\uff0c\u5b58\u9280\u884c\u5229\u606f\u53ef\u4ee5\u5ffd\u7565\u4e0d\u8a08\uff0c\u5e74\u91d1\u5176\u5be6\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002 \u5e74\u91d1 \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\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 \u56fa\u5b9a\u5e74\u91d1\u5c31\u5982\u540c\u9280\u884c\u4e2d\u7684\u5b9a\u671f\u5b58\u6b3e\uff0c\u4f46\u9019\u662f\u4e00\u7a2e\u5c08\u70ba\u9000\u4f11\u800c\u8a2d\u5b9a\u201c\u5b58\u6b3e\u201d\u3002\u56fa\u5b9a\u5e74\u91d1\u9396\u5b9a\u5229\u606f\u7387\uff0c\u76ee\u524d\u57282%\u81f33.5%\u4e0d\u7b49\uff0c\u5e74\u9650\u5f9e3\u5e74\u523015\u5e74\u3002\u56fa\u5b9a\u5e74\u91d1\u7684\u512a\u9ede\u662f\u672c\u91d1\u5b89\u5168\uff0c\u6536\u76ca\u56fa\u5b9a\uff0c\u4e0d\u6703\u53d7\u5230\u91d1\u878d\u5e02\u5834\u7684\u5f71\u97ff\uff0c\uff0c\u5373\u4fdd\u672c\u4fdd\u606f\u3002\u53e6\u5916\u4e00\u500b\u597d\u8655\u662f\u6295\u8cc7\u6536\u76ca\u5ef6\u7a05\uff0c\u4e5f\u5c31\u662f\u5e74\u91d1\u672c\u91d1\u6bcf\u5e74\u6536\u5230\u7684\u5229\u606f\u90fd\u4e0d\u9700\u8981\u4ea4\u7a05\uff0c\u53ea\u6709\u6700\u5f8c\u62ff\u51fa\u4f86\u7684\u6642\u5019\u9700\u8981\u4ea4\u3002 \u53ef\u8b8a\u5e74\u91d1\uff08variable annuity\uff09\u662f\u6295\u8cc7\u578b\u5e74\u91d1\uff0c\u5927\u90e8\u5206\u6703\u6295\u8cc7\u5230\u5171\u540c\u57fa\u91d1\u4e0a\u3002\u6703\u96a8\u5e02\u5834\u6ce2\u52d5\uff0c\u56e0\u6b64\u4e0a\u4e0b\u8d77\u4f0f\u53ef\u4ee5\u5f88\u5927\u3002\u53ef\u8b8a\u5e74\u91d1\u56e0\u6536\u76ca\u7387\u8f03\u9ad8\uff0c\u5728\u7ba1\u7406\u4e0a\u8207\u5171\u540c\u57fa\u91d1\u7684\u7ba1\u7406\u6a21\u5f0f\u5dee\u4e0d\u591a\u3002 \u6307\u6578\u5e74\u91d1\uff08indexed annuity\uff09\u6295\u8cc7\u56de\u5831\u662f\u8ddf\u8457\u5e02\u5834\u6307\u6578\u8d70(\u5982Dow Jones Industrial Average\u3001Standard & Poor's 500\u3001NASDAQ\u7b49)\uff0c\u53ea\u8981\u9019\u4e9b\u6307\u6578\u4e0a\u6f32\uff0c\u5247\u56de\u5831\u7387\u4e5f\u6703\u8ddf\u8457\u4e0a\u6f32\uff0c\u4f46\u4e0d\u80fd\u8d85\u904e\u4e0a\u9650\uff1b\u82e5\u9019\u4e9b\u5e02\u5834\u6307\u6578\u4e0b\u8dcc\uff0c\u4fdd\u96aa\u516c\u53f8\u5247\u4fdd\u8a3c\u6295\u8cc7\u4eba\u4e0d\u6703\u8ce0\u9322\u8667\u672c\uff0c\u5e33\u6236\u50f9\u503c\u4e0d\u6703\u53d7\u5230\u5f71\u97ff\u3002 \u6307\u6578\u5e74\u91d1\u73fe\u5728\u65e5\u76ca\u6d41\u884c\uff0c\u95dc\u9375\u4e4b\u9ede\u662f\u9019\u7a2e\u5e74\u91d1\u6709\u8457\u5438\u5f15\u4eba\u7684\u524d\u666f\u3002\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\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\u8001\u5e74\u4eba\u7279\u5225\u9069\u5408\u3002\u6307\u6578\u5e74\u91d1\u662f\u56fa\u5b9a\u5e74\u91d1\u548c\u53ef\u8b8a\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 \u6587\/\u9ec3\u66c9\u6771 \u6b61\u8fce\u4f86\u53c3\u52a0 9\/25\u7684\u514d\u8cbb\u6559\u80b2\u8b1b\u5ea7\u8b1b\u5ea7\u6642\u9593\uff1a 9\u670825\u9031\u516d \u4e0b\u5348 2\uff1a00- 4\uff1a00\u8b1b\u5ea7\u5730\u5740\uff1a 3100 Mowry Ave. Suite 300, CA, 94538\u4e5f\u53ef\u4ee5\u4e0a\u7db2\u53c3\u52a0\u7db2\u4e0a\u8b1b\u5ea7\uff0c\u5831\u540d\u8acb\u96fb\uff1a 408-466-0233\uff0c \u627e\u6881\u5c0f\u59d0\u6216\u96fb\u90f5\u5230\uff1adhuang@elitefig.com \u53d6\u5f97\u7db2\u4e0a\u9023\u63a5\u3002","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\/09\/%E5%84%B2%E8%93%84%E5%88%A9%E7%8E%87%E6%8E%A5%E8%BF%910%EF%BC%8C%E9%8C%A2%E5%AD%98%E5%93%AA%E8%A3%A1%EF%BC%9F.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/%E5%84%B2%E8%93%84%E5%88%A9%E7%8E%87%E6%8E%A5%E8%BF%910%EF%BC%8C%E9%8C%A2%E5%AD%98%E5%93%AA%E8%A3%A1%EF%BC%9F.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/%E5%84%B2%E8%93%84%E5%88%A9%E7%8E%87%E6%8E%A5%E8%BF%910%EF%BC%8C%E9%8C%A2%E5%AD%98%E5%93%AA%E8%A3%A1%EF%BC%9F.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":200421,"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":208065,"url":"https:\/\/newsforchinese.com\/v3\/2021\/10\/04\/%e6%9c%80%e6%96%b0%e5%b9%b4%e9%87%9120%e9%96%8b%e6%88%b6%e7%8d%8e%e9%87%91%e4%bf%9d%e8%ad%89%e6%af%8f%e5%b9%b410%e5%88%a9%e6%81%af%ef%bc%81\/","url_meta":{"origin":200421,"position":4},"title":"\u6700\u65b0\u5e74\u91d120%\u958b\u6236\u734e\u91d1,\u4fdd\u8b49\u6bcf\u5e7410%\u5229\u606f\uff01","author":"Raymond","date":"October 4, 2021","format":false,"excerpt":"\u64da\u5b98\u65b9\u7d71\u8a08\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u4eba\u670984%\u6c92\u6709\u5b58\u5920\u9000\u4f11\u91d1\uff01\u800c\u5f88\u591a\u4eba\u5c07\u6703\u8d8a\u6d3b\u8d8a\u4e45\u523090-100\u6b72\uff01\u4f60\u64d4\u5fc3\u4f60\u7684401K \u52a0\u4e0a\u793e\u5b89\u6536\u5165\u4e0d\u5920\u82b1\u55ce\uff1f\u4f60\u548c\u5927\u591a\u6578\u4eba\u4e00\u6a23\uff0c \u64da\u8abf\u67e574%\u7684\u7f8e\u570b\u4eba\u8a8d\u70ba\u4ed6\u5011\u7684401K \u52a0\u4e0a\u793e\u5b89\u6536\u5165\u4e0d\u5920\u82b1\uff0c401K\u4e4b\u7236\u6307\u51fa\uff0c\u6bcf\u500b\u4eba\u5728\u9000\u4f11\u898f\u5283\u4e2d\u90fd\u61c9\u8a72\u6709\u4fdd\u8b49\u6536\u5165\u7684\u5e74\u91d1\uff0c\u8b93\u4f60\u7684\u9000\u4f11\u6709\u4fdd\u969c\uff01\u4f60\u6709\u8a08\u5283\u7528\u9322\u548c\u6642\u9593\u7d66\u81ea\u5df1\u5275\u9020\u51fa\u80fd\u4fdd\u8b49\u7684\u9000\u4f11\u91d1\u55ce\uff1f\u5982\u679c\u4f60\u5927\u7d04\u4e94\u5341\u5de6\u53f3\uff0c\u6709\u4e00\u4e9b\u9322\u60f3\u8981\u6295\u8cc7\u4f46\u53c8\u6015\u653e\u5728\u80a1\u5e02\u4e0d\u5b89\u5168\uff0c\u653e\u5728\u623f\u5e02\u65e2\u4e0d\u5920\u53c8\u64d4\u5fc3\u8cb7\u5728\u9ad8\u9ede\uff0c\u653e\u5728\u9280\u884c\u53c8\u6c92\u6cd5\u8d95\u4e0a\u901a\u81a8\uff0c\u4f60\u53ef\u4ee5\u6295\u8cc7\u5728\u6709\u4fdd\u8b49\u7684\u6307\u6578\u5e74\u91d1\u3002\u9996\u5148\u5b83\u8b93\u4f60\u7684\u9322\u4fdd\u672c\uff0c\u4fdd\u8b49\u4f60\u7684\u5e33\u6236\u53ea\u6f32\u4e0d\u8dcc\uff0c\u800c\u4e14\u8ddf\u5927\u591a\u6578\u6307\u6578\u5e74\u91d1\u4e0d\u540c\uff0c\u9019\u7a2e\u5e74\u91d1\u4e0d\u7ba1\u80a1\u5e02\u7684\u6f32\u8dcc\uff0c\u6bcf\u5e74\u90fd\u4fdd\u8b49\u4f60\u670910%\u7684\u5229\u606f\u4e0a\u6f32\u3002\u4e0b\u9762\u4ecb\u7d39\u4e00\u4e0b\u9019\u652f\u5e74\u91d1\u7684 \u958b\u6236\u99ac\u4e0a\u670920%\u7684\u734e\u91d1\u9032\u5165\u4f60\u7684\u9000\u4f11\u6536\u5165\u8cec\u6236\uff01 20\u842c\u5c31\u8b93\u4f60\u99ac\u4e0a\u8cfa\u52304\u842c\uff01\u6bcf\u5e74\u4f60\u7684\u8cec\u6236\u4fdd\u8b49\u4e0a\u6f3210%\uff01\u4e0d\u8ad6\u80a1\u5e02\u662f\u6f32\u662f\u8dcc\uff0c\u4f60\u7684\u9000\u4f11\u8cec\u6236\u6bcf\u5e74\u90fd\u4e0a\u6f3210%\uff01\u4f60\u96a8\u6642\u53ef\u4ee5\u958b\u59cb\u9818\u53d6\u9000\u4f11\u6536\u5165\uff0c\u7576\u4f60\u958b\u59cb\u5f8c\uff0c\u6bcf\u5e74\u4f60\u7684\u6536\u5165\u5c31\u9396\u5b9a\u4e0d\u6703\u4e0b\u964d\u3002\u4ee5\u4e00\u500b55\u6b72\u7537\u6027\u4f5c\u4f8b\u5b50\uff0c\u5982\u679c\u4ed6\u653e\u4e8c\u5341\u842c\u7f8e\u5143\u5728\u4e00\u7a2e\u6307\u6578\u5e74\u91d1\uff0c\u99ac\u4e0a\u670920%\u4e5f\u5c31\u662f4\u842c\u5143\u734e\u91d1\u52a0\u5165\u5230\u4ed6\u7684\u5e33\u6236\uff0c\u7136\u5f8c\u6bcf\u5e74\u4ed6\u7684\u5e33\u6236\u6301\u7e8c\u589e\u957710%\uff0c\u5982\u679c\u4ed6\u7b49\u523065\u6b72\u9000\u4f11\u6642\u9818\u53d6\u7d42\u751f\u6536\u5165\uff0c\u4ed6\u53ef\u4ee5\u4fdd\u8b49\u6bcf\u5e74\u98181.9\u842c\uff0c\u6d3b\u591a\u4e45\u5c31\u9818\u591a\u4e45\uff0c\u5230\u4e5d\u5341\u6b72\u5171\u9818\u53d6\u9000\u4f11\u91d150\u591a\u842c\uff01\u7576\u80a1\u6307\u4e0a\u5347\u6642\uff0c\u4f60\u7684\u8cec\u6236\u50f9\u503c\u4e5f\u8ddf\u8457\u4e0a\u5347\uff0c\u5982\u679c\u5c07\u4f86\u4f60\u4e0d\u60f3\u6bcf\u5e74\u9818\u9000\u4f11\u91d1\uff0c\u4e5f\u53ef\u4ee5\u4e00\u7b46\u628a\u4e0a\u6f32\u4e86\u7684\u8cec\u6236\u50f9\u503c\u4e00\u7b46\u53d6\u51fa\u3002\u5982\u679c\u4f60\u6709\u5927\u75c5\u6216\u9577\u7167\u9700\u8981\u7528\u9322\uff0c\u4f60\u53ef\u4ee5\u628a\u8cec\u6236\u50f9\u503c\u4e00\u6b21\u9818\u51fa\u800c\u6c92\u6709\u7f70\u91d1\u3002\u5982\u679c\u4f60\u4e2d\u9014\u96e2\u4e16\uff0c\u4f60\u9000\u4f11\u8cec\u6236\u6c92\u9818\u5b8c\u7684\u9322\u4ed8\u7d66\u4f60\u7684\u53d7\u76ca\u4eba\u3002\u4f60\u53ef\u4ee5\u628a\u53bb\u5e74\u4e0a\u6f32\u5f88\u591a\u7684401K\u548cIRA\u8f49\u4e00\u90e8\u4efd\u5230\u9019\u7a2e\u5e74\u91d1\uff0c\u5206\u6563\u98a8\u96aa\uff0c\u7e7c\u7e8c\u5ef6\u7a05\u3002\u4f60\u4e5f\u53ef\u4ee5\u628a\u4e0d\u6025\u7528\u7684\u9280\u884c\u5b58\u6b3e\u8f49\u5165\u5e74\u91d1\uff0c\u4e00\u842c\u7f8e\u5143\u5c31\u53ef\u4ee5\u958b\u6236. \u5f9e\u4e0a\u9762\u7684\u4f8b\u5b50\u770b\u5230\uff0c\u6642\u9593\u548c\u7528\u5c0d\u687f\u687f\u53ef\u4ee5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u500d\u589e\uff01\u5982\u679c\u4f60\u65e9\u9ede\u958b\u59cb\u6295\u8cc7\u5728\u9019\u7a2e\u5373\u4fdd\u5e95\u53c8\u6301\u7e8c\u589e\u9577\u7684\u6307\u6578\u5e74\u91d1\uff0c\u4f60\u7684\u665a\u5e74\u5c07\u6703\u7121\u6182\uff01\u90a3\u9ebc\u4f60\u7684401k \u548c\u5176\u5b83\u7684\u5171\u540c\u57fa\u91d1\u662f\u5426\u4e5f\u53ef\u4ee5\u8f49\u5165\u9019\u6a23\u7684\u5e74\u91d1\u6295\u8cc7\u5462\uff1f\u7b54\u6848\u662f\u80af\u5b9a\u7684\u3002\u4f60\u53ef\u4ee5\u628a\u73fe\u5728\u5404\u6563\u6771\u897f\u7684\u9000\u4f11\u91d1\u5e33\u6236\u505a\u4e00\u500b\u6574\u5408\uff0c\u628a\u5b83\u4e00\u8d77\u653e\u5165\u6307\u6578\u5e74\u91d1\u4e2d\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u4f60\u7684\u9000\u4f11\u91d1\u3002\u9019\u5bb6\u4fdd\u96aa\u516c\u53f8\u662f\u5f88\u53ef\u9760\u7684\u4fdd\u96aa\u516c\u53f8\uff0c\u8ca1\u52d9\u7a69\u5065\u70baA\u7d1a\u7684\u516c\u53f8\uff0c\u6709\u5f88\u4e45\u7684\u6b77\u53f2\uff0c\u8b93\u4f60\u53ef\u4ee5\u653e\u5fc3\u6295\u8cc7\u800c\u4e0d\u7528\u64d4\u5fc3\u80a1\u5e02\u7684\u6ce2\u52d5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u53d7\u640d\u3002\u8981\u4e86\u89e3\u5230\u5e95\u9019\u7a2e\u5e74\u91d1\u662f\u5426\u9069\u5408\u4f60\uff0c\u8acb\u4f86\u53c3\u52a0\u6211\u5011\u7684\u7db2\u4e0a\u8b1b\u5ea7\uff0c\u6211\u5011\u9084\u6703\u540c\u6642\u4ecb\u7d39\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff0c\u592b\u5a66\u53ef\u4ee5\u5169\u4eba\u5408\u4fdd\uff0c\u4fdd\u8b49\u9577\u671f\u8b77\u7406\u7d42\u751f\u7121\u4e0a\u9650\uff0c\u800c\u4e14\u5982\u679c\u7528\u4e0d\u5230\u9577\u671f\u8b77\u7406\u6703\u6709\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\uff0c\u8b93\u4f60\u7684\u9322\u4e0d\u767d\u82b1\uff01\u9577\u671f\u8b77\u7406\u662f\u9000\u4f11\u5fc5\u9808\u505a\u597d\u898f\u5283\u7684\uff0c\u56e0\u70ba\u5728\u7f8e\u570b65\u6b72\u4ee5\u4e0a\u7684\u4eba\u670970%\u5728\u8d70\u4e4b\u524d\u8981\u7528\u5230\u9577\u671f\u8b77\u7406\uff0c\u5230\u5e95\u54ea\u7a2e\u65b9\u5f0f\u6700\u597d\u6700\u5212\u7b97\uff1f\u8acb\u548c\u6211\u5011\u9023\u7e6b\uff0c\u6211\u5011\u6703\u7d66\u4f60\u6700\u512a\u60e0\u7684\u65b9\u6848\uff01\u6211\u5011\u7684\u96fb\u8a71\u662f\uff1a408-466-0232\uff0c\u6216\u96fb\u90f5\uff1adhuang@elitefig.com \u6211\u5011\u6703\u628a\u65b9\u6848\u7d66\u4f60\u3002","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\/%E9%95%B7%E6%9C%9F%E8%AD%B7%E7%90%86%E4%BF%9D%E9%9A%AA%E5%92%8C%E9%80%80%E4%BC%91%E5%B9%B4%E9%87%91%E6%80%8E%E9%BA%BC%E8%B2%B7%E6%9C%80%E5%88%92%E7%AE%97%EF%BC%9Fsmall.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/%E9%95%B7%E6%9C%9F%E8%AD%B7%E7%90%86%E4%BF%9D%E9%9A%AA%E5%92%8C%E9%80%80%E4%BC%91%E5%B9%B4%E9%87%91%E6%80%8E%E9%BA%BC%E8%B2%B7%E6%9C%80%E5%88%92%E7%AE%97%EF%BC%9Fsmall.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/%E9%95%B7%E6%9C%9F%E8%AD%B7%E7%90%86%E4%BF%9D%E9%9A%AA%E5%92%8C%E9%80%80%E4%BC%91%E5%B9%B4%E9%87%91%E6%80%8E%E9%BA%BC%E8%B2%B7%E6%9C%80%E5%88%92%E7%AE%97%EF%BC%9Fsmall.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":201044,"url":"https:\/\/newsforchinese.com\/v3\/2021\/05\/10\/%e7%82%ba%e9%80%80%e4%bc%91%e6%97%a9%e6%ba%96%e5%82%99%ef%bc%8c%e8%ae%93%e4%bd%a0%e7%9a%84%e9%80%80%e4%bc%91%e9%87%91%e9%a6%ac%e4%b8%8a%e5%a2%9e%e5%8a%a025\/","url_meta":{"origin":200421,"position":5},"title":"\u70ba\u9000\u4f11\u65e9\u6e96\u5099\uff0c\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u99ac\u4e0a\u589e\u52a025%","author":"Raymond","date":"May 10, 2021","format":false,"excerpt":"\u6700\u8fd1\u5728\u83ef\u4eba\u793e\u5340\u8a0e\u8ad6\u5f88\u591a\u7684\u4e00\u500b\u984c\u76ee\u662f\uff1a\u5982\u4f55\u898f\u5283\u9000\u4f11\u3002\u64da\u5b98\u65b9\u7d71\u8a08\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u4eba\u670984%\u6c92\u6709\u5b58\u5920\u9000\u4f11\u91d1\uff01\u800c\u5f88\u591a\u4eba\u5c07\u6703\u8d8a\u6d3b\u8d8a\u4e45\u523090-100\u6b72\uff01\u4f60\u64d4\u5fc3\u4f60\u7684401K \u52a0\u4e0a\u793e\u5b89\u6536\u5165\u4e0d\u5920\u82b1\u55ce\uff1f\u4f60\u548c\u5927\u591a\u6578\u4eba\u4e00\u6a23\uff0c \u64da\u8abf\u67e574%\u7684\u7f8e\u570b\u4eba\u8a8d\u70ba\u4ed6\u5011\u7684401K \u52a0\u4e0a\u793e\u5b89\u6536\u5165\u4e0d\u5920\u82b1\u3002\u4f60\u6709\u8a08\u5283\u7528\u9322\u548c\u6642\u9593\u7d66\u81ea\u5df1\u5275\u9020\u51fa\u591a\u4e00\u9ede\u9000\u4f11\u91d1\u55ce\uff1f\u5982\u679c\u4f60\u5927\u7d04\u4e94\u5341\u5de6\u53f3\uff0c\u6709\u4e00\u4e9b\u9322\u60f3\u8981\u6295\u8cc7\u4f46\u53c8\u6015\u653e\u5728\u80a1\u5e02\u4e0d\u5b89\u5168\uff0c\u653e\u5728\u623f\u5e02\u65e2\u4e0d\u5920\u53c8\u64d4\u5fc3\u8cb7\u5728\u9ad8\u9ede\uff0c\u4f60\u53ef\u4ee5\u6295\u8cc7\u5728\u6307\u6578\u5e74\u91d1\u3002\u9996\u5148\u5b83\u8b93\u4f60\u7684\u9322\u4fdd\u5e95\uff0c\u4fdd\u8b49\u4f60\u7684\u5e33\u6236\u53ea\u6f32\u4e0d\u8dcc\uff0c\u6bcf\u5e74\u8ddf\u8457\u80a1\u5e02\u4e0a\u6f32\uff0c\u4f46\u5982\u679c\u80a1\u5e02\u6389\u4e0b\u4f86\u6709\u4fdd\u5e95\u3002\u7576\u4f60\u5728\u516d\u5341\u591a\u6b72\u8981\u9000\u4f11\u7684\u6642\u5019\uff0c\u4f60\u53ef\u4ee5\u958b\u59cb\u9818\u53d6\u7d42\u751f\u6536\u5165\uff0c\u4e5f\u53ef\u4ee5\u5f9e\u5e33\u6236\u6309\u9700\u8981\u63d0\u53d6\u8cc7\u91d1\uff0c\u6c38\u9060\u4e0d\u7528\u64d4\u5fc3\u9000\u4f11\u91d1\u82b1\u5b8c\uff01\u505a\u70ba\u5728\u4fdd\u96aa\u754c\u7e31\u6a6b\u4e86\u4e8c\u5341\u591a\u5e74\u7684\u8cc7\u6df1\u8ca1\u52d9\u9867\u554f\uff0c\u6211\u6bd4\u8f03\u4e86\u591a\u5bb6\u7684\u6307\u6578\u5e74\u91d1\u7522\u54c1\uff0c\u7279\u5225\u6311\u51fa\u6700\u71b1\u8ce3\u7684\u6307\u6578\u5e74\u91d1\u4ecb\u7d39\u7d66\u5927\u5bb6\uff1a \u958b\u6236\u99ac\u4e0a\u670925%\u7684\u734e\u91d1\u9032\u5165\u4f60\u7684\u9000\u4f11\u6536\u5165\u8cec\u6236\uff01\u7576\u80a1\u5e02\u4e0b\u8dcc\u6642\uff0c\u4f60\u7684\u8cec\u6236\u4e0d\u8dcc\uff0c\u7576\u80a1\u5e02\u4e0a\u6f32\u6642\uff0c\u4f60\u7684\u8cec\u6236\u8ddf\u8457\u6f32\uff0c\u800c\u4e14\u8b93\u4f60\u6f32\u7684\u6bd4\u5e02\u5834\u7684\u9084\uff0c\u6709250%\u7684\u734e\u91d1\u52a0\u5165\u8cec\u6236\uff01 \uff08\u8b1b\u5ea7\u6703\u8a73\u7d30\u89e3\u91cb\uff09\u4f60\u96a8\u6642\u53ef\u4ee5\u958b\u59cb\u9818\u53d6\u9000\u4f11\u6536\u5165\uff0c\u7576\u4f60\u958b\u59cb\u5f8c\uff0c\u6bcf\u5e74\u4f60\u7684\u6536\u5165\u5c31\u9396\u5b9a\u4e0d\u6703\u4f4e\u65bc\u7576\u6642\u7684\u6536\u5165\uff0c\u6bcf\u5e74\u9084\u6703\u7e7c\u7e8c\u96a8\u80a1\u6307\u7684\u4e0a\u751f\u800c\u4e0a\u5347\uff01\u4ee5\u4e00\u500b58\u6b72\u7537\u6027\u4f5c\u4f8b\u5b50\uff0c\u5982\u679c\u4ed6\u653e\u5341\u842c\u7f8e\u5143\u5728\u4e00\u7a2e\u6307\u6578\u5e74\u91d1\uff0c\u99ac\u4e0a\u670925%\u4e5f\u5c31\u662f2.5\u842c\u5143\u7d05\u5229\u52a0\u5165\u5230\u4ed6\u7684\u5e33\u6236\uff0c\u7136\u5f8c\u6bcf\u5e74\u4ed6\u7684\u5e33\u6236\u6301\u7e8c\u589e\u9577\uff0c\u5982\u679c\u4ed6\u7b4965\u6b72\u9000\u4f11\u6642\u9818\u53d6\u7d42\u751f\u6536\u5165\uff0c\u4ed6\u53ef\u4ee5\u6bcf\u5e741.5\u958b\u59cb\u9818\uff0c70\u5e7e\u6b72\u5df2\u589e\u52a0\u5230\u6bcf\u5e742\u842c\uff0c\u516b\u5341\u6b72\u6bcf\u5e74\u98183\u842c\u591a\u7684\u9000\u4f11\u91d1\uff0c\u7d42\u751f\u4e0d\u505c\uff01\u5230\u4e5d\u5341\u6b72\u5171\u9818\u53d6\u9000\u4f11\u91d1\u4e94\u5341\u842c\uff01\u5982\u679c\u5c07\u4f86\u4f60\u4e0d\u60f3\u6bcf\u5e74\u9818\u9000\u4f11\u91d1\uff0c\u800c\u662f\u60f3\u4e00\u7b46\u628a\u5e74\u91d1\u53d6\u51fa\uff0c\u4e5f\u5b8c\u5168\u53ef\u4ee5.\u5982\u679c\u4f60\u6709\u9577\u671f\u8b77\u7406\u7684\u9700\u6c42\uff0c\u4f60\u53ef\u4ee5\u62ff2 \u500d\u5e74\u6536\u5165\u76f4\u5230\u4f60\u4e0d\u9700\u8981\u6216\u53bb\u4e16\u3002\u5f9e\u4e0a\u9762\u7684\u4f8b\u5b50\u770b\u5230\uff0c\u6642\u9593\u53ef\u4ee5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u500d\u589e\uff01\u5982\u679c\u4f60\u65e9\u9ede\u958b\u59cb\u6295\u8cc7\u5728\u9019\u7a2e\u5373\u4fdd\u5e95\u53c8\u6301\u7e8c\u589e\u9577\u7684\u6307\u6578\u5e74\u91d1\uff0c\u4f60\u7684\u665a\u5e74\u5c07\u6703\u7121\u6182\uff01\u90a3\u9ebc\u4f60\u7684401k \u548c\u5176\u5b83\u7684\u5171\u540c\u57fa\u91d1\u662f\u5426\u4e5f\u53ef\u4ee5\u8f49\u5165\u9019\u6a23\u7684\u5e74\u91d1\u6295\u8cc7\u5462\uff1f\u7b54\u6848\u662f\u80af\u5b9a\u7684\u3002\u4f60\u53ef\u4ee5\u628a\u73fe\u5728\u5404\u6563\u6771\u897f\u7684\u9000\u4f11\u91d1\u5e33\u6236\u505a\u4e00\u500b\u6574\u5408\uff0c\u628a\u5b83\u4e00\u8d77\u653e\u5165\u6307\u6578\u5e74\u91d1\u4e2d\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u4f60\u7684\u9000\u4f11\u91d1\u3002\u9019\u5bb6\u4fdd\u96aa\u516c\u53f8\u662f\u5168\u7403\u524d\u4e94\u5927\u7684\u4fdd\u96aa\u516c\u53f8\uff0c\u8ca1\u52d9\u7a69\u5065\u70baAA \u7d1a\u7684\u516c\u53f8\uff0c\u6709\u5f88\u4e45\u7684\u6b77\u53f2\uff0c\u8b93\u4f60\u53ef\u4ee5\u653e\u5fc3\u6295\u8cc7\u800c\u4e0d\u7528\u64d4\u5fc3\u80a1\u5e02\u7684\u6ce2\u52d5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u53d7\u640d\u3002 \u5f9e\u4e0a\u9762\u7684\u4f8b\u5b50\u770b\u5230\uff0c\u6642\u9593\u53ef\u4ee5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u500d\u589e\uff01\u5982\u679c\u4f60\u65e9\u9ede\u958b\u59cb\u6295\u8cc7\u5728\u9019\u7a2e\u5373\u4fdd\u5e95\u53c8\u6301\u7e8c\u589e\u9577\u7684\u6307\u6578\u5e74\u91d1\uff0c\u4f60\u7684\u665a\u5e74\u5c07\u6703\u7121\u6182\uff01 \u90a3\u9ebc\u4f60\u7684401k \u548c\u5176\u5b83\u7684\u5171\u540c\u57fa\u91d1\u662f\u5426\u4e5f\u53ef\u4ee5\u8f49\u5165\u9019\u6a23\u7684\u5e74\u91d1\u6295\u8cc7\u5462\uff1f\u7b54\u6848\u662f\u80af\u5b9a\u7684\u3002\u4f60\u53ef\u4ee5\u628a\u73fe\u5728\u5404\u6563\u6771\u897f\u7684\u9000\u4f11\u91d1\u5e33\u6236\u505a\u4e00\u500b\u6574\u5408\uff0c\u628a\u5b83\u4e00\u8d77\u653e\u5165\u6307\u6578\u5e74\u91d1\u4e2d\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u4f60\u7684\u9000\u4f11\u91d1\u3002\u9019\u5bb6\u4fdd\u96aa\u516c\u53f8\u662f\u5168\u7403\u524d\u4e94\u5927\u7684\u4fdd\u96aa\u516c\u53f8\uff0c\u8ca1\u52d9\u7a69\u5065\u70baAA \u7d1a\u7684\u516c\u53f8\uff0c\u6709\u5f88\u4e45\u7684\u6b77\u53f2\uff0c\u8b93\u4f60\u53ef\u4ee5\u653e\u5fc3\u6295\u8cc7\u800c\u4e0d\u7528\u64d4\u5fc3\u80a1\u5e02\u7684\u6ce2\u52d5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u53d7\u640d\u3002 \u8981\u4e86\u89e3\u5230\u5e95\u54ea\u4e00\u7a2e\u5e74\u91d1\u9069\u5408\u4f60\uff0c\u8acb\u4f86\u53c3\u52a0\u6211\u5011\u7684\u7db2\u4e0a\u8b1b\u5ea7\uff0c\u6211\u5011\u9084\u6703\u540c\u6642\u4ecb\u7d39\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff0c\u592b\u5a66\u53ef\u4ee5\u5169\u4eba\u5408\u4fdd\uff0c\u4fdd\u8b49\u9577\u671f\u8b77\u7406\u7d42\u751f\u7121\u4e0a\u9650\uff0c\u800c\u4e14\u5982\u679c\u7528\u4e0d\u5230\u9577\u671f\u8b77\u7406\u6703\u6709\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\uff0c\u8b93\u4f60\u7684\u9322\u4e0d\u767d\u82b1\uff01\u9577\u671f\u8b77\u7406\u662f\u9000\u4f11\u5fc5\u9808\u505a\u597d\u898f\u5283\u7684\uff0c\u56e0\u70ba\u7f8e\u570b\u4eba65\u6b72\u4ee5\u4e0a\u670970%\u7684\u4eba\u5728\u8d70\u8d70\u524d\u8981\u7528\u5230\u9577\u671f\u8b77\u7406\uff0c\u4f60\u5982\u679c\u7528\u81ea\u5df1\u7684\u8cc7\u7522\u4ed8\u8981\u7e73\u5f88\u591a\u589e\u503c\u7a05\u548c\u6536\u5165\u7a05\u7b49\u7b49\uff0c\u7528\u4fdd\u96aa\u652f\u4ed8\u4e0d\u7528\u7d0d\u7a05\uff0c\u53ef\u4ee5\u70ba\u4f60\u7701\u5f88\u591a\u7684\u7a05\u3002\u8a73\u60c5\u8acb\u4f86\u53c3\u52a0\u6211\u5011\u7684\u7db2\u4e0a\u8b1b\u5ea7\u3002\u67e5\u8a62\u7db2\u4e0a\u8b1b\u5ea7\u4f55\u6642\u8209\u884c\uff0c\u8acb\u4f86\u96fb\u8a62\u554f\u8b1b\u5ea7\u65e5\u671f\uff1a 408-466-0233\uff0c \u627e\u6881\u5c0f\u59d0\u3002\u6216\u96fb\u90f5\u81f3\uff1adhuang@elitefig.com \u6211\u5011\u6703\u628a\u9023\u63a5\u767c\u7d66\u4f60\u3002 \u6587\/\u9ec3\u66c9\u6771","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\/retirement-planning.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\/200421","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=200421"}],"version-history":[{"count":2,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/200421\/revisions"}],"predecessor-version":[{"id":200424,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/200421\/revisions\/200424"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/200422"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=200421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=200421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=200421"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=200421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}