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\u9000\u4f11\u8cc7\u91d1\u6700\u91cd\u8981\u7684\u554f\u984c\u4e4b\u4e00\uff0c\u4e0d\u53ea\u662f\u300c\u80fd\u8cfa\u591a\u5c11\u300d\uff0c\u9084\u5305\u62ec\uff1a \u9019\u7b46\u9322\u4ec0\u9ebc\u6642\u5019\u9700\u8981\uff1f\u53ef\u4ee5\u627f\u53d7\u591a\u5c11\u6ce2\u52d5\uff1f\u9700\u8981\u9396\u5b9a\u591a\u4e45\uff1f\u63d0\u524d\u4f7f\u7528\u6703\u6709\u4ec0\u9ebc\u9650\u5236\uff1f \u56e0\u6b64\uff0c\u56fa\u5b9a\u5e74\u91d1\u4e26\u4e0d\u9069\u5408\u6240\u6709\u4eba\u3002\u8cfc\u8cb7\u524d\u61c9\u4ed4\u7d30\u4e86\u89e3\u4fdd\u8b49\u5229\u7387\u3001\u671f\u9650\u3001\u63d0\u6b3e\u898f\u5b9a\u3001\u9000\u4fdd\u8cbb\u7528\u3001\u7a05\u52d9\u5f71\u97ff\u53ca\u5176\u4ed6\u5951\u7d04\u689d\u6b3e\uff0c\u518d\u6c7a\u5b9a\u662f\u5426\u9069\u5408\u81ea\u5df1\u7684\u9000\u4f11\u898f\u5283\u3002 \u4e2d\u79cb\u5718\u5713\uff0c\u70ba\u5bb6\u4eba\u6e96\u5099\uff1b\u9000\u4f11\u898f\u5283\uff0c\u4e5f\u8981\u63d0\u65e9\u6e96\u5099\u3002 \u5982\u679c\u60a8\u624b\u4e0a\u6709 401(k)\u3001IRA\u3001Roth IRA \u6216\u4e00\u7b46\u66ab\u6642\u4e0d\u9700\u8981\u4f7f\u7528\u7684\u73fe\u91d1\uff0c\u73fe\u5728\u53ef\u4ee5\u5148\u82b1\u5e7e\u5206\u9418\u4e86\u89e3\u9019\u9805\u65b9\u6848\u3002 \u5229\u7387\u6703\u96a8\u7522\u54c1\u53ca\u5e02\u5834\u689d\u4ef6\u8abf\u6574\uff0c\u60f3\u4e86\u89e3\u76ee\u524d\u9069\u7528\u7684\u5229\u7387\u8207\u5951\u7d04\u689d\u4ef6\uff0c\u6b61\u8fce\u5148\u8aee\u8a62\uff0c\u518d\u6c7a\u5b9a\u3002 Robert Ju\uff5c\u5317\u52a0\u5dde\u7063\u5340\u4fdd\u96aa\u7406\u8ca1\u7d93\u7d00\u8aee\u8a62\u5c08\u7dda\uff1a408-996-7200 \u672c\u5167\u5bb9\u70ba\u7406\u8ca1\u7522\u54c1\u8cc7\u8a0a\u4ecb\u7d39\uff0c\u4e0d\u4ee3\u8868\u9069\u5408\u6240\u6709\u4eba\u58eb\uff1b\u56fa\u5b9a\u5e74\u91d1\u5c6c\u4fdd\u96aa\u5951\u7d04\uff0c\u8cfc\u8cb7\u524d\u8acb\u8a73\u95b1\u6b63\u5f0f\u5951\u7d04\u53ca\u76f8\u95dc\u63ed\u9732\u6587\u4ef6\u3002\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Raymond\"\/>\n\t<link rel=\"canonical\" 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Annuity\uff09\uff0c\u6b63\u662f\u8a31\u591a\u4eba\u5728\u898f\u5283\u9000\u4f11\u8cc7\u7522\u6642\u6703\u8003\u616e\u7684\u5de5\u5177\u4e4b\u4e00\u3002 \u76ee\u524d\u5716\u793a\u65b9\u6848\u63d0\u4f9b\u4e0d\u540c\u671f\u9650\u7684\u56fa\u5b9a\u5229\u7387\uff1a 2\u5e74\u671f\uff1a\u6700\u9ad8 4.50% 3\u5e74\u671f\uff1a\u6700\u9ad8 5.40% 5\u5e74\u671f\uff1a\u6700\u9ad8 6.00% 7\u5e74\u671f\uff1a\u6700\u9ad8 6.05% 10\u842c\u7f8e\u5143\u4ee5\u4e0a\u820710\u842c\u7f8e\u5143\u4ee5\u4e0b\u7684\u5229\u7387\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u5be6\u969b\u5229\u7387\u53ca\u9069\u7528\u689d\u4ef6\u4ee5\u7576\u671f\u65b9\u6848\u8207\u6b63\u5f0f\u5951\u7d04\u70ba\u6e96\u3002 \u70ba\u4ec0\u9ebc\u73fe\u5728\u503c\u5f97\u4e86\u89e3\uff1f \u56fa\u5b9a\u5e74\u91d1\u7684\u4e00\u500b\u7279\u8272\uff0c\u5c31\u662f\u5728\u7b26\u5408\u5951\u7d04\u689d\u4ef6\u4e0b\uff0c\u53ef\u4ee5\u5148\u9396\u5b9a\u4e00\u5b9a\u671f\u9593\u7684\u5229\u7387\u3002 \u800c\u5229\u7387\u65b9\u6848\u4e26\u975e\u6c38\u4e45\u4e0d\u8b8a\u3002 \u5982\u679c\u60a8\u672c\u4f86\u5c31\u6709\u4e00\u7b46\u6e96\u5099\u9000\u4f11\u3001\u66ab\u6642\u4e0d\u9700\u8981\u52d5\u7528\u7684\u8cc7\u91d1\uff0c\u8207\u5176\u7b49\u5230\u5e02\u5834\u5229\u7387\u6216\u7522\u54c1\u689d\u4ef6\u6539\u8b8a\u5f8c\u624d\u958b\u59cb\u7814\u7a76\uff0c\u4e0d\u5982\u8d81\u76ee\u524d\u6709\u76f8\u95dc\u65b9\u6848\u6642\uff0c\u5148\u4e86\u89e3\u81ea\u5df1\u7684\u9078\u64c7\u8207\u689d\u4ef6\u3002 \u5c24\u5176\u5c0d\u65bc\u5df2\u7d93\u63a5\u8fd1\u9000\u4f11\u3001\u5e0c\u671b\u964d\u4f4e\u90e8\u5206\u8cc7\u7522\u6ce2\u52d5\u7684\u4eba\u4f86\u8aaa\uff0c\u4e86\u89e3\u300c\u9019\u7b46\u9322\u653e\u5728\u54ea\u88e1\u3001\u9396\u591a\u4e45\u3001\u53ef\u4ee5\u600e\u9ebc\u4f7f\u7528\u300d\uff0c\u5f80\u5f80\u6bd4\u55ae\u7d14\u8ffd\u6c42\u6700\u9ad8\u5831\u916c\u7387\u66f4\u91cd\u8981\u3002 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\u4e2d\u79cb\u5718\u5713\uff0c\u70ba\u5bb6\u4eba\u6e96\u5099\uff1b\u9000\u4f11\u898f\u5283\uff0c\u4e5f\u8981\u63d0\u65e9\u6e96\u5099\u3002 \u5982\u679c\u60a8\u624b\u4e0a\u6709 401(k)\u3001IRA\u3001Roth IRA \u6216\u4e00\u7b46\u66ab\u6642\u4e0d\u9700\u8981\u4f7f\u7528\u7684\u73fe\u91d1\uff0c\u73fe\u5728\u53ef\u4ee5\u5148\u82b1\u5e7e\u5206\u9418\u4e86\u89e3\u9019\u9805\u65b9\u6848\u3002 \u5229\u7387\u6703\u96a8\u7522\u54c1\u53ca\u5e02\u5834\u689d\u4ef6\u8abf\u6574\uff0c\u60f3\u4e86\u89e3\u76ee\u524d\u9069\u7528\u7684\u5229\u7387\u8207\u5951\u7d04\u689d\u4ef6\uff0c\u6b61\u8fce\u5148\u8aee\u8a62\uff0c\u518d\u6c7a\u5b9a\u3002 Robert Ju\uff5c\u5317\u52a0\u5dde\u7063\u5340\u4fdd\u96aa\u7406\u8ca1\u7d93\u7d00\u8aee\u8a62\u5c08\u7dda\uff1a408-996-7200 \u672c\u5167\u5bb9\u70ba\u7406\u8ca1\u7522\u54c1\u8cc7\u8a0a\u4ecb\u7d39\uff0c\u4e0d\u4ee3\u8868\u9069\u5408\u6240\u6709\u4eba\u58eb\uff1b\u56fa\u5b9a\u5e74\u91d1\u5c6c\u4fdd\u96aa\u5951\u7d04\uff0c\u8cfc\u8cb7\u524d\u8acb\u8a73\u95b1\u6b63\u5f0f\u5951\u7d04\u53ca\u76f8\u95dc\u63ed\u9732\u6587\u4ef6\u3002\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2026\/09\/28\/%e4%b8%ad%e7%a7%8b%e5%9c%98%e5%9c%93%ef%bc%8c%e5%88%a5%e5%bf%98%e4%ba%86%e6%9b%bf%e8%87%aa%e5%b7%b1%e6%ba%96%e5%82%99%e4%b8%80%e4%bb%bd%e5%ae%89%e5%bf%83\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-09-28T22:30:14+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-09-28T22:51:39+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u4e2d\u79cb\u7bc0\u525b\u904e\uff0c\u4e5f\u662f\u91cd\u65b0\u6aa2\u8996\u5bb6\u5ead\u8ca1\u52d9\u898f\u5283\u7684\u597d\u6642\u6a5f\u3002 \u5982\u679c\u60a8\u624b\u4e0a\u6709\u4e00\u7b46\u73fe\u91d1\u3001401(k)\u3001IRA \u6216 Roth IRA\uff0c\u662f\u5426\u60f3\u904e\uff0c\u9664\u4e86\u653e\u5728\u9280\u884c\u4e4b\u5916\uff0c\u9084\u6709\u6c92\u6709\u5176\u4ed6\u65b9\u5f0f\uff0c\u53ef\u4ee5\u8b93\u9019\u7b46\u9000\u4f11\u8cc7\u91d1\u5728\u8f03\u9577\u671f\u9593\u5167\u6301\u7e8c\u7d2f\u7a4d\uff1f \u56fa\u5b9a\u5229\u606f\u5e74\u91d1\uff08Fixed Annuity\uff09\uff0c\u6b63\u662f\u8a31\u591a\u4eba\u5728\u898f\u5283\u9000\u4f11\u8cc7\u7522\u6642\u6703\u8003\u616e\u7684\u5de5\u5177\u4e4b\u4e00\u3002 \u76ee\u524d\u5716\u793a\u65b9\u6848\u63d0\u4f9b\u4e0d\u540c\u671f\u9650\u7684\u56fa\u5b9a\u5229\u7387\uff1a 2\u5e74\u671f\uff1a\u6700\u9ad8 4.50% 3\u5e74\u671f\uff1a\u6700\u9ad8 5.40% 5\u5e74\u671f\uff1a\u6700\u9ad8 6.00% 7\u5e74\u671f\uff1a\u6700\u9ad8 6.05% 10\u842c\u7f8e\u5143\u4ee5\u4e0a\u820710\u842c\u7f8e\u5143\u4ee5\u4e0b\u7684\u5229\u7387\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u5be6\u969b\u5229\u7387\u53ca\u9069\u7528\u689d\u4ef6\u4ee5\u7576\u671f\u65b9\u6848\u8207\u6b63\u5f0f\u5951\u7d04\u70ba\u6e96\u3002 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\u5c0d\u65bc\u5c45\u4f4f\u5728\u5168\u7f8e\u6240\u5f97\u7a05\u7387\u6700\u9ad8\u7684\u52a0\u5dde\u5c45\u6c11\u800c\u8a00\uff0c\u82e5\u672a\u63d0\u524d\u898f\u5283 RMD\uff0c\u9019\u7b46\u5f37\u5236\u63d0\u64a5\u7684\u6b3e\u9805\u6975\u53ef\u80fd\u5728\u77ac\u9593\u5c07\u60a8\u7684\u5e74\u5ea6\u6536\u5165\u63a8\u5411\u52a0\u5dde\u6700\u9ad8\u7a05\u7387\u7d1a\u8ddd\uff0c\u8b93\u539f\u672c\u5b89\u7a69\u7684\u9000\u4f11\u751f\u6d3b\u56e0\u7a05\u52d9\u8ca0\u64d4\u800c\u7e2e\u6c34\u3002 \u4e00\u3001 \u8a8d\u8b58 RMD\uff1a73 \u6b72\u5f8c\u7684\u5f37\u5236\u8003\u9a57 \u96a8\u8457\u300aSECURE 2.0 Act\u300b\u6cd5\u6848\u7684\u901a\u904e\uff0c\u76ee\u524d\u806f\u90a6\u898f\u5b9a\u7684 RMD \u8d77\u59cb\u5e74\u9f61\u5df2\u5ef6\u5f8c\u81f3 73 \u6b72\uff081960 \u5e74\u6216\u4e4b\u5f8c\u51fa\u751f\u8005\u672a\u4f86\u5c07\u5ef6\u81f3 75 \u6b72\uff09\u3002RMD \u9069\u7528\u65bc\u5927\u591a\u6578\u5ef6\u7a05\u578b\u9000\u4f11\u5e33\u6236\uff0c\u5305\u62ec Traditional IRA\u3001401(k)\u3001403(b) \u7b49\u3002 RMD \u7684\u63d0\u64a5\u91d1\u984d\u662f\u6839\u64da\u60a8\u524d\u4e00\u5e74\u5e74\u5e95\u7684\u5e33\u6236\u7e3d\u984d\uff0c\u9664\u4ee5\u570b\u7a05\u5c40\uff08IRS\uff09\u9810\u671f\u58fd\u547d\u8868\u8a08\u7b97\u5f97\u51fa\u3002\u96a8\u8457\u5e74\u9f61\u589e\u9577\uff0c\u5f37\u5236\u63d0\u53d6\u7684\u767e\u5206\u6bd4\u6703\u9010\u5e74\u4e0a\u5347\u3002\u7531\u65bc\u9019\u7b46\u9322\u5728\u9818\u53d6\u6642\u6703\u88ab\u8996\u70ba\u300c\u666e\u901a\u6536\u5165\uff08Ordinary Income\uff09\u300d\uff0c\u82e5\u5e33\u6236\u898f\u6a21\u9f90\u5927\uff0c\u6bcf\u5e74\u7684 RMD \u53ef\u80fd\u9ad8\u9054\u6578\u842c\u751a\u81f3\u6578\u5341\u842c\u7f8e\u5143\u3002 \u4e8c\u3001 \u52a0\u5dde\u7a05\u52d9\u7684\u300c\u96d9\u91cd\u6253\u64ca\u300d \u5728\u806f\u90a6\u5c64\u9762\uff0c\u5927\u984d\u6536\u5165\u53ef\u80fd\u89f8\u767c\u6700\u9ad8 37% 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\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 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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 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\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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