{"id":202514,"date":"2021-06-12T07:12:00","date_gmt":"2021-06-12T14:12:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=202514"},"modified":"2021-06-12T09:34:26","modified_gmt":"2021-06-12T16:34:26","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u7f8e\u570b\u5e74\u91d1\u77e5\u591a\u5c11"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4ec0\u9ebc\u662f\u5e74\u91d1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5e74\u91d1\u7684\u7a2e\u985e<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u6709\u5169\u7a2e\u4e0d\u540c\u985e\u578b\u7684\u5e74\u91d1:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u3010\u5373\u671f\u5e74\u91d1\u3011 Immediate Annuities<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u63d0\u4f9b\u901a\u5e38\u5728\u652f\u4ed8\u5f8c\u4e00\u5e74\u5167\u958b\u59cb\u7684\u6536\u5165\u652f\u4ed8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u3010\u5ef6\u671f\u5e74\u91d1\u3011 Deferred Annuities<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5ef6\u671f\u5e74\u91d1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u3001<strong>\u5b9a\u606f\u5e74\u91d1\uff08<\/strong><strong>Fixed Interest Annuities<\/strong><strong>\uff09<\/strong>-\u56fa\u5b9a\u5229\u7387\u8207\u4e2d\u9593\u9810\u671f\u6301\u6709\u671f-\u985e\u4f3c\u65bc\u5b58\u6b3e\u8b49\uff08Certificate Of Deposit\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u6700\u4f4e\u5229\u7387\u4fdd\u8b49<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53ef\u4ee5\u572859 1\/2 \u6b72\u7684\u6642\u5019\u63d0\u53d6\uff0c\u4e26\u4e14\u6c92\u6709\u53e6\u5916\u7684\u7a05\u7f70<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u53ef\u4ee5\u6301\u7e8c\u4e00\u751f\u6216\u8005\u4e00\u500b\u6307\u5b9a\u7684\u671f\u9650\uff0c\u6bd4\u598210\u5e74<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; \u6309\u56fa\u5b9a\u671f\u9650\u63d0\u53d6\uff0c\u6bd4\u598210\u5e74<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; \u6301\u7e8c\u4f60\u7684\u4e00\u751f\u63d0\u53d6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; \u6309\u7167\u5176\u4ed6\u4eba\u7684\u751f\u547d\u671f\u9650\u4f86\u63d0\u53d6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8c\u3001<strong>\u6307\u6578\u5e74\u91d1\uff08<\/strong><strong>Indexed Annuities <\/strong><strong>\uff09<\/strong>&#8211; \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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u98a8\u96aa\u8f03\u4f4e\uff0c\u56de\u5831\u4e5f\u76f8\u5c0d\u8f03\u4f4e\uff1b\u4e0d\u9069\u7528\u65bc\u77ed\u671f\u5132\u84c4\u6295\u8cc7<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u7d66\u6295\u8cc7\u8005\u63d0\u4f9b\u4e0d\u540c\u7684\u5229\u7387\u6536\u76ca\u7684\u9078\u64c7<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e09\u3001<strong>\u53ef\u8b8a\u5e74\u91d1\uff08<\/strong><strong>Variable Annuties<\/strong><strong>\uff09<\/strong>&#8211; \u5305\u88dd\u65bc\u4fdd\u96aa\u7684\u80a1\u7968\u8207\u50b5\u5238\u5171\u540c\u57fa\u91d1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u5e74\u91d1\u662f\u8207\u4fdd\u96aa\u516c\u53f8\u7c3d\u8a02\u7684\u5408\u540c\uff0c\u4f60\u53ef\u4ee5\u628a\u9322\u653e\u5728\u4fdd\u96aa\u516c\u53f8\u88e1\uff0c\u7136\u5f8c\u9078\u64c7\u9019\u7b46\u9322\u7684\u6295\u8cc7\u65b9\u5f0f\u3002\u4f60\u53ef\u4ee5\u5f9e\u4e00\u4efd\u57fa\u91d1\u5217\u8868\u4e2d\u9078\u64c7\u4f60\u7684\u6295\u8cc7\uff0c\u5f9e\u975e\u5e38\u6fc0\u9032\u7684\u80a1\u7968\u57fa\u91d1\u5230\u66f4\u4fdd\u5b88\u7684\u50b5\u5238\u57fa\u91d1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\u5145\u5206\u5229\u7528\u8b49\u5238\u5e02\u5834\u7684\u4e0a\u5347\u6f5b\u529b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u4e86\u80a1\u7968\u4ee5\u53ca\u50b5\u5238\u7684\u5206\u985e\u8cec\u76ee\uff0c\u8cfc\u8cb7\u4eba\u9084\u53ef\u4ee5\u5c07100%\u7684\u8cc7\u91d1\u6295\u8cc7\u65bc\u56fa\u5b9a\u5229\u606f\u7684\u8cec\u6236\uff0c\u985e\u4f3c\u65bc\u5b9a\u606f\u5e74\u91d1<\/p>\n\n\n\n<p 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Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\u7b49\uff0c\u8a08\u5165\u5229\u606f\u5f8c\uff0c\u5229\u606f\u6536\u5165\u5c07\u9396\u5b9a\u5728\u73fe\u91d1\u8cec\u6236(account value)\u4e2d\uff0c\u8a72\u5e33\u6236\u5c07\u4e0d\u6703\u53c3\u8207\u4efb\u4f55\u672a\u4f86\u7684\u5e02\u5834\u4f4e\u8ff7\uff0c\u73fe\u91d1\u8cec\u6236\u6703\u96a8\u8457\u6642\u9593\u589e\u9577\uff0c\u4e00\u822c\u7d2f\u7a4d10\u5e74\u5f8c\u6703\u770b\u5230\u6bd4\u8f03\u597d\u7684\u6536\u76ca\u3002 \u6240\u4ee5\ufe50\u9019\u662f\u4e00\u7a2e\u7121\u98a8\u96aa\u4e2d\u56de\u5831\u7684\u9000\u4f11\u7522\u54c1\ufe50\u5f88\u9069\u5408\u4e0d\u60f3\u89aa\u81ea\u78b0\u80a1\u5e02\u4f46\u53c8\u53ef\u4eab\u6709\u80a1\u5e02\u6500\u5347\u7684\u56de\u5831\u4ee5\u53ca\u60f3\u5c07\u81ea\u5df1\u7684\u9000\u4f11\u8a08\u5283\u591a\u6a23\u5316\u7684\u4eba\u58eb\u3002 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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 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\u4e00\u5927\u534a401K\u88e1\u7684\u8cc7\u91d1\u81f3\u5e74\u91d1\u4f86\uff0c\u60a8\u4e0d\u9700\u8981\u628a\u6240\u6709\u7684401K\u88e1\u7684\u8cc7\u91d1\u8f49\u5230\u5e74\u91d1\uff0c\u60a8\u4ecd\u7136\u53ef\u4ee5contribute \u9322\u81f3\u73fe\u5728\u96c7\u4e3b\u8cc7\u52a9\u7684401K\u8a08\u5283\u3002\u4f46\u662f\uff0c\u4e0d\u50c5\u662f401K\uff0c\u5f88\u591a\u4eba\u505a\u4e86SEP IRA\u6216\u662f\u50b3\u7d71\u7684IRA\uff0c\u4ecd\u53ef\u4ee5\u8f49\u5230\u5e74\u91d1\u4f86\u3002 \u4e0b\u9762\u5c31\u4ecb\u7d39\u4e00\u6b3e\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u7522\u54c1\uff0c\u4f9b\u53c3\u8003\uff1a \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount 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&quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/investment.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":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":202514,"position":2},"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 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&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.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":201863,"url":"https:\/\/newsforchinese.com\/v3\/2021\/05\/25\/%e9%9d%88%e6%b4%bb%e5%ad%98%e9%9d%88%e6%b4%bb%e5%8f%96%e5%b9%b4%e9%87%91%e6%88%90%e4%bf%9d%e9%9a%aa%e6%96%b0%e5%af%b5%ef%bc%8c%e5%84%aa%e5%8b%a2%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f\/","url_meta":{"origin":202514,"position":4},"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 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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":202514,"position":5},"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 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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 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