{"id":303509,"date":"2026-09-28T15:30:14","date_gmt":"2026-09-28T22:30:14","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=303509"},"modified":"2026-09-28T15:51:39","modified_gmt":"2026-09-28T22:51:39","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u4e2d\u79cb\u7bc0\u525b\u904e\uff0c\u4e5f\u662f\u91cd\u65b0\u6aa2\u8996\u5bb6\u5ead\u8ca1\u52d9\u898f\u5283\u7684\u597d\u6642\u6a5f\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"303510\" data-permalink=\"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\/banner-3\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg\" data-orig-size=\"600,600\" data-comments-opened=\"1\" data-image-title=\"banner\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg\" alt=\"\" class=\"wp-image-303510\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg 600w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-150x150.jpg 150w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-400x400.jpg 400w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-300x300.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u56fa\u5b9a\u5229\u606f\u5e74\u91d1\uff08Fixed Annuity\uff09<\/strong>\uff0c\u6b63\u662f\u8a31\u591a\u4eba\u5728\u898f\u5283\u9000\u4f11\u8cc7\u7522\u6642\u6703\u8003\u616e\u7684\u5de5\u5177\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u76ee\u524d\u5716\u793a\u65b9\u6848\u63d0\u4f9b\u4e0d\u540c\u671f\u9650\u7684\u56fa\u5b9a\u5229\u7387\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2\u5e74\u671f\uff1a\u6700\u9ad8 4.50%<\/strong><\/li>\n\n\n\n<li><strong>3\u5e74\u671f\uff1a\u6700\u9ad8 5.40%<\/strong><\/li>\n\n\n\n<li><strong>5\u5e74\u671f\uff1a\u6700\u9ad8 6.00%<\/strong><\/li>\n\n\n\n<li><strong>7\u5e74\u671f\uff1a\u6700\u9ad8 6.05%<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">10\u842c\u7f8e\u5143\u4ee5\u4e0a\u820710\u842c\u7f8e\u5143\u4ee5\u4e0b\u7684\u5229\u7387\u4e5f\u6709\u6240\u4e0d\u540c\uff0c<strong>\u5be6\u969b\u5229\u7387\u53ca\u9069\u7528\u689d\u4ef6\u4ee5\u7576\u671f\u65b9\u6848\u8207\u6b63\u5f0f\u5951\u7d04\u70ba\u6e96\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-9-16 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Unlocking Retirement  Fixed Annuities Explained\" width=\"563\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/xyoDlOgAiEY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"> \u70ba\u4ec0\u9ebc\u73fe\u5728\u503c\u5f97\u4e86\u89e3\uff1f<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u5229\u7387\u65b9\u6848\u4e26\u975e\u6c38\u4e45\u4e0d\u8b8a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<strong>\u8d81\u76ee\u524d\u6709\u76f8\u95dc\u65b9\u6848\u6642\uff0c\u5148\u4e86\u89e3\u81ea\u5df1\u7684\u9078\u64c7\u8207\u689d\u4ef6<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9019\u7b46\u9322\u4ec0\u9ebc\u6642\u5019\u9700\u8981\uff1f<br>\u53ef\u4ee5\u627f\u53d7\u591a\u5c11\u6ce2\u52d5\uff1f<br>\u9700\u8981\u9396\u5b9a\u591a\u4e45\uff1f<br>\u63d0\u524d\u4f7f\u7528\u6703\u6709\u4ec0\u9ebc\u9650\u5236\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u56fa\u5b9a\u5e74\u91d1\u4e26\u4e0d\u9069\u5408\u6240\u6709\u4eba\u3002\u8cfc\u8cb7\u524d\u61c9\u4ed4\u7d30\u4e86\u89e3<strong>\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<\/strong>\uff0c\u518d\u6c7a\u5b9a\u662f\u5426\u9069\u5408\u81ea\u5df1\u7684\u9000\u4f11\u898f\u5283\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e2d\u79cb\u5718\u5713\uff0c\u70ba\u5bb6\u4eba\u6e96\u5099\uff1b\u9000\u4f11\u898f\u5283\uff0c\u4e5f\u8981\u63d0\u65e9\u6e96\u5099\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u624b\u4e0a\u6709 <strong>401(k)\u3001IRA\u3001Roth IRA \u6216\u4e00\u7b46\u66ab\u6642\u4e0d\u9700\u8981\u4f7f\u7528\u7684\u73fe\u91d1<\/strong>\uff0c\u73fe\u5728\u53ef\u4ee5\u5148\u82b1\u5e7e\u5206\u9418\u4e86\u89e3\u9019\u9805\u65b9\u6848\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\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<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Robert Ju\uff5c\u5317\u52a0\u5dde\u7063\u5340\u4fdd\u96aa\u7406\u8ca1\u7d93\u7d00<\/strong><br><strong>\u8aee\u8a62\u5c08\u7dda\uff1a408-996-7200<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\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<\/em><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"biz,local,money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1790609414\"\r\n\t            data-title=\"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u4e2d\u79cb\u7bc0\u525b\u904e\uff0c\u4e5f\u662f\u91cd\u65b0\u6aa2\u8996\u5bb6\u5ead\u8ca1\u52d9\u898f\u5283\u7684\u597d\u6642\u6a5f\u3002<\/p>\n","protected":false},"author":1,"featured_media":303510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"audio","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","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,"jetpack_post_was_ever_published":false},"categories":[13,7,18],"tags":[6566,6568,6567,1744,1702,1717],"series":[],"class_list":["post-303509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-biz","category-local","category-money","tag-6566","tag-6568","tag-6567","tag-1744","tag-1702","tag-1717"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.2 - aioseo.com -->\n\t<meta name=\"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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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\" href=\"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<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.2\" \/>\n\n\t\t<meta name=\"google-adsense-account\" content=\"ca-pub-9175855296033541\">\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og: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 property=\"og: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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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\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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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\t<meta name=\"twitter:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"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\\\/#blogposting\",\"name\":\"\\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\",\"headline\":\"\\u4e2d\\u79cb\\u5718\\u5713\\uff0c\\u5225\\u5fd8\\u4e86\\u66ff\\u81ea\\u5df1\\u6e96\\u5099\\u4e00\\u4efd\\u5b89\\u5fc3\",\"author\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/banner.jpg\",\"width\":600,\"height\":600},\"datePublished\":\"2026-09-28T15:30:14-07:00\",\"dateModified\":\"2026-09-28T15:51:39-07:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"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\\\/#webpage\"},\"isPartOf\":{\"@id\":\"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\\\/#webpage\"},\"articleSection\":\"\\u5546\\u60c5\\u5831\\u5c0e, \\u5730\\u65b9\\u65b0\\u805e, \\u7406\\u8ca1\\u6295\\u8cc7, \\u4e2d\\u79cb\\u7bc0\\u525b\\u904e\\uff0c\\u4e5f\\u662f\\u91cd\\u65b0\\u6aa2\\u8996\\u5bb6\\u5ead\\u8ca1\\u52d9\\u898f\\u5283\\u7684\\u597d\\u6642\\u6a5f\\u3002, \\u5e74\\u91d1, \\u7406\\u8ca1, \\u77fd\\u8c37\\u4e2d\\u6587\\u5a92\\u9ad4, \\u8001\\u4e2d\\u5730\\u65b9\\u65b0\\u805e, \\u820a\\u91d1\\u5c71\\u514d\\u8cbb\\u4e2d\\u6587\\u5831\\u7d19\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"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\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/#listItem\",\"name\":\"\\u5730\\u65b9\\u65b0\\u805e\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/#listItem\",\"position\":2,\"name\":\"\\u5730\\u65b9\\u65b0\\u805e\",\"item\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"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\\\/#listItem\",\"name\":\"\\u4e2d\\u79cb\\u5718\\u5713\\uff0c\\u5225\\u5fd8\\u4e86\\u66ff\\u81ea\\u5df1\\u6e96\\u5099\\u4e00\\u4efd\\u5b89\\u5fc3\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"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\\\/#listItem\",\"position\":3,\"name\":\"\\u4e2d\\u79cb\\u5718\\u5713\\uff0c\\u5225\\u5fd8\\u4e86\\u66ff\\u81ea\\u5df1\\u6e96\\u5099\\u4e00\\u4efd\\u5b89\\u5fc3\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/#listItem\",\"name\":\"\\u5730\\u65b9\\u65b0\\u805e\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#organization\",\"name\":\"News for Chinese \\uff0d \\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u83ef\\u4eba\\u793e\\u5340\\u5831\\u7d19\",\"description\":\"\\u8001\\u4e2d\\u5730\\u65b9\\u65b0\\u805e\\u662f\\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u65b0\\u805e\\u96c6\\u5718\\uff0c\\u591a\\u5143\\u5316\\u5e73\\u53f0\\u6709\\u65b0\\u805e\\u7db2\\u3001\\u5f71\\u97f3\\u7db2\\u3001AM1450\\u5ee3\\u64ad\\u96fb\\u53f0\\u53ca\\u514d\\u8cbb\\u5168\\u5f69\\u5831\\u7d19\\u3002\\u624b\\u6a5f\\u63d0\\u4f9b\\u6700\\u65b0\\u6700\\u5feb\\u793e\\u5340\\u65b0\\u805e\\uff0c\\u670d\\u52d960\\u842c\\u83ef\\u88d4\\u8b80\\u8005\\u3002\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/#author\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/\",\"name\":\"Raymond\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"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\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/933050d3bba711ae8eed7fe05532e2ceec7ca7198723c94bd86c205bf099f7a2?s=96&d=retro&r=g\",\"width\":96,\"height\":96,\"caption\":\"Raymond\"}},{\"@type\":\"WebPage\",\"@id\":\"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\\\/#webpage\",\"url\":\"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\\\/\",\"name\":\"\\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\",\"description\":\"\\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 \\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 \\u4e00\\u7b46\\u9322\\uff0c\\u898f\\u5283\\u7684\\u4e0d\\u53ea\\u662f\\u4eca\\u5929\\uff0c\\u800c\\u662f\\u672a\\u4f86\\u5e7e\\u5e74\\u7684\\u751f\\u6d3b \\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\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#website\"},\"breadcrumb\":{\"@id\":\"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\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/banner.jpg\",\"@id\":\"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\\\/#mainImage\",\"width\":600,\"height\":600},\"primaryImageOfPage\":{\"@id\":\"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\\\/#mainImage\"},\"datePublished\":\"2026-09-28T15:30:14-07:00\",\"dateModified\":\"2026-09-28T15:51:39-07:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#website\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/\",\"name\":\"News for Chinese \\uff0d \\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u83ef\\u4eba\\u793e\\u5340\\u5831\\u7d19\",\"description\":\"\\u8001\\u4e2d\\u5730\\u65b9\\u65b0\\u805e\\u662f\\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u65b0\\u805e\\u96c6\\u5718\\uff0c\\u591a\\u5143\\u5316\\u5e73\\u53f0\\u6709\\u65b0\\u805e\\u7db2\\u3001\\u5f71\\u97f3\\u7db2\\u3001AM1450\\u5ee3\\u64ad\\u96fb\\u53f0\\u53ca\\u514d\\u8cbb\\u5168\\u5f69\\u5831\\u7d19\\u3002\\u624b\\u6a5f\\u63d0\\u4f9b\\u6700\\u65b0\\u6700\\u5feb\\u793e\\u5340\\u65b0\\u805e\\uff0c\\u670d\\u52d960\\u842c\\u83ef\\u88d4\\u8b80\\u8005\\u3002\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"\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","description":"\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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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","canonical_url":"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\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":"&lt;meta name=\"google-adsense-account\" content=\"ca-pub-9175855296033541\"&gt;"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"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\/#blogposting","name":"\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","headline":"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3","author":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"publisher":{"@id":"https:\/\/newsforchinese.com\/v3\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg","width":600,"height":600},"datePublished":"2026-09-28T15:30:14-07:00","dateModified":"2026-09-28T15:51:39-07:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"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\/#webpage"},"isPartOf":{"@id":"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\/#webpage"},"articleSection":"\u5546\u60c5\u5831\u5c0e, \u5730\u65b9\u65b0\u805e, \u7406\u8ca1\u6295\u8cc7, \u4e2d\u79cb\u7bc0\u525b\u904e\uff0c\u4e5f\u662f\u91cd\u65b0\u6aa2\u8996\u5bb6\u5ead\u8ca1\u52d9\u898f\u5283\u7684\u597d\u6642\u6a5f\u3002, \u5e74\u91d1, \u7406\u8ca1, \u77fd\u8c37\u4e2d\u6587\u5a92\u9ad4, \u8001\u4e2d\u5730\u65b9\u65b0\u805e, \u820a\u91d1\u5c71\u514d\u8cbb\u4e2d\u6587\u5831\u7d19"},{"@type":"BreadcrumbList","@id":"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\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/#listItem","position":1,"name":"Home","item":"https:\/\/newsforchinese.com\/v3\/","nextItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/category\/local\/#listItem","name":"\u5730\u65b9\u65b0\u805e"}},{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/category\/local\/#listItem","position":2,"name":"\u5730\u65b9\u65b0\u805e","item":"https:\/\/newsforchinese.com\/v3\/category\/local\/","nextItem":{"@type":"ListItem","@id":"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\/#listItem","name":"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3"},"previousItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"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\/#listItem","position":3,"name":"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3","previousItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/category\/local\/#listItem","name":"\u5730\u65b9\u65b0\u805e"}}]},{"@type":"Organization","@id":"https:\/\/newsforchinese.com\/v3\/#organization","name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","url":"https:\/\/newsforchinese.com\/v3\/"},{"@type":"Person","@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author","url":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/","name":"Raymond","image":{"@type":"ImageObject","@id":"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\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/933050d3bba711ae8eed7fe05532e2ceec7ca7198723c94bd86c205bf099f7a2?s=96&d=retro&r=g","width":96,"height":96,"caption":"Raymond"}},{"@type":"WebPage","@id":"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\/#webpage","url":"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\/","name":"\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","description":"\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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/#website"},"breadcrumb":{"@id":"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\/#breadcrumblist"},"author":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"creator":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg","@id":"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\/#mainImage","width":600,"height":600},"primaryImageOfPage":{"@id":"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\/#mainImage"},"datePublished":"2026-09-28T15:30:14-07:00","dateModified":"2026-09-28T15:51:39-07:00"},{"@type":"WebSite","@id":"https:\/\/newsforchinese.com\/v3\/#website","url":"https:\/\/newsforchinese.com\/v3\/","name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","inLanguage":"en-US","publisher":{"@id":"https:\/\/newsforchinese.com\/v3\/#organization"}}]},"og:locale":"en_US","og:site_name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","og:type":"article","og:title":"\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","og:description":"\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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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","og:url":"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\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg","og:image:width":600,"og:image:height":600,"article:published_time":"2026-09-28T22:30:14+00:00","article:modified_time":"2026-09-28T22:51:39+00:00","twitter:card":"summary_large_image","twitter:title":"\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","twitter:description":"\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 \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 \u4e00\u7b46\u9322\uff0c\u898f\u5283\u7684\u4e0d\u53ea\u662f\u4eca\u5929\uff0c\u800c\u662f\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b \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","twitter:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg"},"aioseo_meta_data":{"post_id":"303509","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-09-28 22:30:25","updated":"2026-09-28 22:51:40","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/newsforchinese.com\/v3\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/newsforchinese.com\/v3\/category\/local\/\" title=\"\u5730\u65b9\u65b0\u805e\">\u5730\u65b9\u65b0\u805e<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/newsforchinese.com\/v3\/"},{"label":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},{"label":"\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3","link":"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\/"}],"featured_image_urls":{"thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-150x150.jpg","post-thumbnail-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x330.jpg","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-400x300.jpg","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-400x400.jpg","medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-300x300.jpg","portrait":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-500x550.jpg","post-widget-left-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x350.jpg","blog-grid":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x400.jpg","post-medium-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x400-1.jpg","post-widget-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x530.jpg","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-450x600.jpg","post-board-2-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x332.jpg","post-slider":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner-600x450.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.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=\"23cA5G3pxh\"><a href=\"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\/\">\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"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\/embed\/#?secret=23cA5G3pxh\" width=\"500\" height=\"350\" title=\"&#8220;\u4e2d\u79cb\u5718\u5713\uff0c\u5225\u5fd8\u4e86\u66ff\u81ea\u5df1\u6e96\u5099\u4e00\u4efd\u5b89\u5fc3&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"23cA5G3pxh\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\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<\/script>\n"},"jetpack_publicize_connections":[],"jetpack-related-posts":[{"id":244842,"url":"https:\/\/newsforchinese.com\/v3\/2023\/08\/20\/%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e6%94%80%e5%8d%87%e8%87%b3%e4%ba%8c%e5%8d%81%e4%b8%80%e5%b9%b4%e6%9c%80%e9%ab%98%e6%b0%b4%e6%ba%96\/","url_meta":{"origin":303509,"position":0},"title":"\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6500\u5347\u81f3\u4e8c\u5341\u4e00\u5e74\u6700\u9ad8\u6c34\u6e96","author":"Yingying","date":"August 20, 2023","format":false,"excerpt":"Freddie Mac\u9031\u56db\u516c\u4f48\u7684\u6578\u64da\u986f\u793a\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5df2\u6500\u5347\u81f3\u4e8c\u5341\u4e00\u5e74\u6700\u9ad8\u6c34\u6e96\u3002 \u6578\u64da\u986f\u793a\uff0c\u622a\u81f3\u9031\u56db\u7684\u4e00\u9031\u5167\uff0c30\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u70ba7.09%\uff0c\u6bd4\u524d\u4e00\u9031\u76846.96%\u5927\u5e45\u4e0a\u5347\u3002 Federal Reserve\u63a8\u51fa\u4e00\u7cfb\u5217\u6fc0\u9032\u7684\u52a0\u606f\u63aa\u65bd\uff0c\u8a66\u5716\u901a\u904e\u653e\u7de9\u7d93\u6fdf\u548c\u6291\u5236\u9700\u6c42\u4f86\u524a\u6e1b\u901a\u8139\u3002\u56e0\u6b64\uff0c\u5f9e\u6c7d\u8eca\u8cb8\u6b3e\u5230\u4fe1\u7528\u5361\u50b5\u52d9\u518d\u5230\u62b5\u62bc\u8cb8\u6b3e\uff0c\u501f\u6b3e\u4eba\u5c07\u9762\u81e8\u66f4\u9ad8\u7684\u6210\u672c\u3002 Mortgage News Daily\u6578\u64da\u986f\u793a\uff0cFed\u65bc2022\u5e743\u6708\u5be6\u65bd\u7576\u524d\u7cfb\u5217\u52a0\u606f\u7684\u9996\u6b21\u52a0\u606f\u6642\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u50c5\u70ba4.45%\u3002\u64daRocket Mortgage\uff0c\u6839\u64da\u623f\u50f9\u4e0d\u540c\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6bcf\u63d0\u9ad8\u4e00\u500b\u767e\u5206\u9ede\uff0c\u6bcf\u5e74\u90fd\u6703\u589e\u52a0\u6578\u5343\u6216\u6578\u842c\u7684\u984d\u5916\u6210\u672c\u3002 Freddie Mac\u6578\u64da\u986f\u793a\uff0c\u81ea5\u6708\u4ee5\u4f86\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u5df2\u8d85\u904e6.5%\u3002\u53bb\u5e7411\u6708\uff0c\u5229\u7387\u9054\u52307.08%\uff0c\u70ba\u7576\u524d\u52a0\u606f\u9031\u671f\u7684\u524d\u4e00\u500b\u9ad8\u9ede\u3002 Freddie Mac\u9031\u56db\u8868\u793a\uff0c\u8cfc\u623f\u6210\u672c\u4e0a\u5347\u6e1b\u7de9\u4e86\u9700\u6c42\uff0c\u4f46\u623f\u5730\u7522\u5e02\u5834\u505c\u6eef\u7684\u4e3b\u8981\u539f\u56e0\u662f\u4f9b\u61c9\u4e0d\u8db3\u3002 \u5230\u76ee\u524d\u70ba\u6b62\uff0c\u52a0\u606f\u4f3c\u4e4e\u5df2\u7d93\u653e\u7de9\uff0c\u800c\u52a0\u606f\u4e26\u6c92\u6709\u89f8\u52d5\u570b\u5bb6\u7684\u7d93\u6fdf\u589e\u9577\u3002 6\u6708\uff0c \u91cd\u5927\u4e0a\u8abf\u4fee\u8a02\u7684\u653f\u5e9c\u6578\u64da\u986f\u793a\uff0c\u622a\u81f33\u6708\u7684\u4e09\u500b\u6708\u5167\uff0c\u570b\u5167\u751f\u7522\u7e3d\u503c\u5e74\u5316\u589e\u9577\u7387\u70ba2%-\u9060\u9060\u8d85\u51fa\u4e4b\u524d\u4f30\u8a08\u76841.3% \u3002 Federal Reserve\u4e3b\u5e2dJerome Powell\u4e0a\u500b\u6708\u5728Washington, D.C.\u7684\u65b0\u805e\u767c\u4f48\u6703\u4e0a\u8868\u793a\uff0cFed\u5de5\u4f5c\u4eba\u54e1\u4e0d\u518d\u9810\u6e2c\u570b\u5bb6\u5c07\u51fa\u73fe\u8870\u9000\u3002 \u8207\u6b64\u540c\u6642\uff0c\u5728\u52a0\u606f\u7684\u5e6b\u52a9\u4e0b\uff0c\u901a\u8139\u7387\u9060\u4f4e\u65bc\u53bb\u5e74\u590f\u5929\u8d85\u904e9%\u7684\u5cf0\u503c\uff0c\u4f46\u4ecd\u6bd4Fed\u76ee\u6a19\u901a\u8139\u7387\u9ad8\u51fa\u8d85\u904e\u4e00\u500b\u767e\u5206\u9ede\u3002 \u7d93\u904e\u9577\u9054\u4e00\u500b\u6708\u7684\u964d\u6eab\uff0c7\u6708\u4efd\u6d88\u8cbb\u8005\u50f9\u683c\u6bd4\u4e00\u5e74\u524d\u5c0f\u5e45\u4e0a\u6f32\u81f33.2%\uff0c\u626d\u8f49\u4e86\u901a\u8139\u6230\u4e2d\u53d6\u5f97\u7684\u4e00\u4e9b\u9032\u5c55\u3002 Freddie Mac\u6578\u64da\u986f\u793a\uff0c\u4e0a\u4e00\u6b2130\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u8d85\u904e\u7576\u524d\u5229\u7387\u662f\u57282002\u5e743\u6708\uff0c\u7576\u6642\u7684\u5229\u7387\u70ba7.18%\u3002\u800c\u5728\u5b83\u7684\u5169\u5e74\u524d\uff0c\u5229\u7387\u6700\u9ad8\u9054\u52308.64%\u3002 \u62b5\u62bc\u8cb8\u6b3e\u6210\u672c\u7684\u524d\u666f\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u53d6\u6c7a\u65bcFed\u662f\u5426\u9078\u64c7\u7e7c\u7e8c\u52a0\u606f\u3002\u592e\u884c\u5c07\u57289\u6708\u4e2d\u65ec\u505a\u51fa\u4e0b\u4e00\u6b21\u5229\u7387\u6c7a\u5b9a\u3002","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/08\/what-percentage-of-income-should-go-to-mortgage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/08\/what-percentage-of-income-should-go-to-mortgage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/08\/what-percentage-of-income-should-go-to-mortgage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":228575,"url":"https:\/\/newsforchinese.com\/v3\/2022\/10\/29\/30%e5%b9%b4%e6%9c%9f%e5%9b%ba%e5%ae%9a%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%ef%bc%9a7-08\/","url_meta":{"origin":303509,"position":1},"title":"30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\uff1a7.08%","author":"Yingying","date":"October 29, 2022","format":false,"excerpt":"\u672c\u9031\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u8d70\u9ad8\u5ef6\u7e8c\u4e00\u500b\u6708\u4f86\u7684\u8da8\u52e2\uff0c\u7e7c\u7e8c\u63a8\u52d5\u623f\u8cb8\u6210\u672c\u6025\u5287\u4e0a\u5347\u3002\u78ba\u5207\u7684\u9084\u8cb8\u91d1\u984d\u8b8a\u5316\u53ef\u80fd\u6703\u8b93\u4e00\u4e9b\u8cfc\u623f\u8005\u611f\u5230\u9a5a\u8a1d\u3002 Freddie Mac\u6578\u64da\u986f\u793a\uff0c\u9031\u56db\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5347\u81f37.08%\uff0c\u9054\u523020\u591a\u5e74\u524d\u5275\u4e0b\u7684\u6700\u9ad8\u9ede\u3002 \u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5728\u4eca\u5e74\u6301\u7e8c\u5927\u5e45\u4e0a\u5347\uff0c\u662f\u56e0\u70ba\u7f8e\u806f\u5132\u70ba\u6291\u5236\u901a\u8ca8\u81a8\u8139\u800c\u5927\u5e45\u63d0\u9ad8\u501f\u8cb8\u6210\u672c\u3002 \u6839\u64daRocket Mortgage\uff0c\u5c0d\u65bc\u8cfc\u623f\u8005\u4f86\u8aaa\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6bcf\u63d0\u9ad8\u4e00\u500b\u767e\u5206\u9ede\uff0c\u6bcf\u5e74\u90fd\u6703\u589e\u52a0\u6578\u5343\u6216\u6578\u842c\u7684\u984d\u5916\u6210\u672c\uff0c\u5177\u9ad4\u91d1\u984d\u53d6\u6c7a\u65bc\u623f\u5c4b\u50f9\u683c\u3002 \u300c\u9019\u662f\u4e00\u500b\u975e\u5e38\u8271\u96e3\u7684\u5e02\u5834\uff0c\u300dGeorge Mason University\u5546\u5b78\u9662\u91d1\u878d\u6559\u6388Derek Horstmeyer\u8aaa\u3002\u300c\u5982\u679c\u4f60\u5728\u5e02\u5834\u5916\u9762\u5f80\u88cf\u770b\uff0c\u90a3\u611f\u89ba\u76f8\u7576\u7cdf\u7cd5\u3002\u300d \u5927\u7d04\u5169\u500b\u6708\u524d\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u70ba5.5%-\u5c0d\u65bc30\u842c\u5143\u62b5\u62bc\u8cb8\u6b3e\uff0c\u76f8\u7576\u65bc\u6bcf\u6708\u9084\u6b3e\u7d041700\u5143\u3002\u800c\u622a\u81f3\u672c\u9031\uff0c\u540c\u6a23\u91d1\u984d\u62b5\u62bc\u8cb8\u6b3e\u7684\u6708\u4f9b\u5df2\u4e0a\u5347\u7d04300\u5143\uff0c\u6f32\u5e45\u9054\u523018%\u3002 \u8207\u5169\u500b\u6708\u524d\u5229\u7387\u76f8\u6bd4\uff0c\u76ee\u524d\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6703\u4f7f30\u842c\u5143\u7684\u62b5\u62bc\u8cb8\u6b3e\u6210\u672c\u6bcf\u5e74\u589e\u52a0\u7d043600\u5143\u3002\u5728\u6574\u500b30\u5e74\u671f\u62b5\u62bc\u8cb8\u6b3e\u671f\u9593\uff0c\u7e3d\u8a08\u9700\u8981108000\u5143\u984d\u5916\u4ed8\u6b3e\u3002 \u5728\u5c07\u7576\u524d\u62b5\u62bc\u8cb8\u6b3e\u8207\u4eca\u5e74\u5e74\u521d\u62b5\u62bc\u8cb8\u6b3e\u9032\u884c\u6bd4\u8f03\u5f8c\uff0c\u6f5b\u5728\u8cfc\u623f\u8005\u53ef\u80fd\u5fc3\u60c5\u66f4\u52a0\u4e0d\u4f73\u3002 2022\u5e74\u521d\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u7684\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u70ba3.22%-\u5c0d\u65bc30\u842c\u5143\u62b5\u62bc\u8cb8\u6b3e\uff0c\u6bcf\u6708\u9084\u6b3e\u7d041300\u5143\u3002\u9019\u7b46\u9084\u6b3e\u8207\u7576\u524d\u9084\u6b3e\u4e4b\u9593\u7684\u5dee\u984d\u9054\u5230\u6bcf\u6708\u7d04700\u5143\uff0c\u4e5f\u5c31\u662f\u8aaa\uff0c\u572830\u842c\u5143\u7684\u6574\u500b\u62b5\u62bc\u8cb8\u6b3e\u671f\u9650\u5167\uff0c\u7e3d\u8a08\u91d1\u984d\u9054\u5230\u7d04252000\u5143\u3002 \u63d0\u9ad8\u57fa\u6e96\u5229\u7387\u6703\u63d0\u9ad8\u6d88\u8cbb\u8005\u548c\u4f01\u696d\u7684\u501f\u8cb8\u6210\u672c\uff0c\u7406\u8ad6\u4e0a\uff0c\u9019\u6703\u901a\u904e\u6e1b\u7de9\u7d93\u6fdf\u589e\u9577\u548c\u6e1b\u5c11\u9700\u6c42\u4f86\u964d\u4f4e\u901a\u8ca8\u81a8\u8139\u3002\u9019\u610f\u5473\u8457\uff0c\u5f9e\u6c7d\u8eca\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u50b5\u52d9\u5230\u62b5\u62bc\u8cb8\u6b3e\uff0c\u501f\u6b3e\u4eba\u9762\u5c0d\u66f4\u9ad8\u7684\u6210\u672c\u3002 \u96a8\u8457\u53cd\u901a\u8139\u884c\u52d5\u5347\u7d1a\uff0c\u7f8e\u806f\u5132\u5728\u6700\u8fd1\u4e09\u6b21\u6703\u8b70\u4e0a\u6bcf\u6b21\u90fd\u5c07\u57fa\u6e96\u5229\u7387\u63d0\u9ad8\u4e860.75%\u3002\u5728\u4eca\u5e74\u4e4b\u524d\uff0c\u7f8e\u806f\u5132\u4e0a\u4e00\u6b21\u5982\u6b64\u5927\u898f\u6a21\u52a0\u606f\u9084\u662f\u57281994\u5e74\u3002 \u96a8\u4e4b\u800c\u4f86\u7684\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u98c6\u5347\uff0c\u623f\u5730\u7522\u5e02\u5834\u653e\u7de9\u3002Horstmeyer\u8aaa\uff1a\u300c\u92b7\u552e\u984d\u76f4\u7dda\u4e0b\u964d\u3002\u300d Horstmeyer\u8868\u793a\uff0c\u6f5b\u5728\u8cfc\u623f\u8005\u9762\u81e8\u56f0\u5883\uff0c\u56e0\u70ba\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u53ef\u80fd\u6703\u5728\u81f3\u5c11\u4e00\u5e74\u5167\u4fdd\u6301\u9ad8\u4f4d\uff0c\u800c\u4f4f\u623f\u4f9b\u61c9\u77ed\u7f3a\u5c07\u9700\u898110\u5e74\u6642\u9593\u624d\u80fd\u89e3\u6c7a\u3002 \u66f4\u503c\u5f97\u6307\u51fa\u7684\u662f\uff0c\u64daReuters\u8abf\u67e5\u7684\u7d93\u6fdf\u5b78\u5bb6\uff0c\u9810\u8a08\u7f8e\u806f\u5132\u5c07\u5728\u4e0b\u500b\u6708\u4e00\u6b21\u6703\u8b70\u4e0a\u518d\u6b21\u5927\u5e45\u52a0\u606f\u3002 Horstmeyer\u8868\u793a\uff0c\u9032\u4e00\u6b65\u52a0\u606f\u53ef\u80fd\u6703\u964d\u4f4e\u4e00\u7cfb\u5217\u6d88\u8cbb\u8005\u50f9\u683c\uff0c\u4f46\u7d66\u8cfc\u623f\u8005\u5e36\u4f86\u66f4\u5927\u6311\u6230\u3002 \u4ed6\u8aaa\uff1a\u300c\u5982\u679c\u4f60\u6b63\u5728\u8003\u616e\u73fe\u5728\u5c31\u8cb7\u623f\uff0c\u9019\u662f\u4e00\u500b\u5c0f\u5c0f\u7684\u5b89\u6170\u3002\u300d","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":302075,"url":"https:\/\/newsforchinese.com\/v3\/2026\/09\/04\/%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e5%8d%87%e8%87%b3%e4%b8%80%e5%b9%b4%e5%a4%9a%e6%9c%80%e9%ab%98%e9%bb%9e\/","url_meta":{"origin":303509,"position":2},"title":"\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5347\u81f3\u4e00\u5e74\u591a\u6700\u9ad8\u9ede","author":"Jean","date":"September 4, 2026","format":false,"excerpt":"Freddie Mac\u9031\u56db(9\/3)\u7a31\uff0c\u672c\u9031\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6500\u5347\u81f3\u4e00\u5e74\u591a\u6700\u9ad8\u9ede\u3002 \u6839\u64daFreddie Mac\u6700\u65b0Primary Mortgage Market Survey\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u5f9e\u4e0a\u9031\u76846.66%\u4e0a\u5347\u81f36.71%\u3002\u9019\u662f\u81ea2025\u5e747\u670831\u65e530\u5e74\u671f\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u90546.72%\u4ee5\u4f86\u7684\u6700\u9ad8\u5e73\u5747\u5229\u7387\u3002 \u4e00\u5e74\u524d\u7684\u5e73\u5747\u5229\u7387\u70ba6.5%\u3002 Freddie Mac\u9996\u5e2d\u7d93\u6fdf\u5b78\u5bb6Sam Khater\u8868\u793a\uff1a\u300c\u8cfc\u8cb7\u9700\u6c42\u4fdd\u6301\u76f8\u5c0d\u7a69\u5b9a\uff0c\u8868\u660e\u6b63\u5728\u9069\u61c9\u4e0d\u65b7\u8b8a\u5316\u7684\u5e02\u5834\u689d\u4ef6\u7684\u8cb7\u5bb6\u6709\u7a69\u5b9a\u7684\u8208\u8da3\u3002\u300d 15\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5e73\u5747\u5229\u7387\u4e5f\u5728\u4e0a\u5347\uff0c\u5f9e\u4e0a\u9031\u76845.98%\u4e0a\u5347\u52306.04%\u3002 \u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u53d7\u5230\u5e7e\u500b\u56e0\u7d20\u7684\u5f71\u97ff\uff0c\u5305\u62ec\u7f8e\u806f\u5132\u653f\u7b56\u548c\u5730\u7de3\u653f\u6cbb\u6f14\u8b8a\u3002\u5118\u7ba1\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u8207\u7f8e\u806f\u5132\u7684\u5229\u7387\u6c7a\u5b9a\u6c92\u6709\u76f4\u63a5\u806f\u7e6b\uff0c\u4f46\u5b83\u5011\u901a\u5e38\u8ddf\u8e6410\u5e74\u671f\u570b\u50b5\u6536\u76ca\u7387-\u9031\u56db\u4e0b\u5348\u5f98\u5f8a\u57284.74%\u5de6\u53f3\u3002 \u81ea\u4eca\u5e74\u521d\u7f8e\u570b\u548c\u4f0a\u6717\u885d\u7a81\u958b\u59cb\u4ee5\u4f86\uff0c\u5229\u7387\u4e0a\u5347\u3002 \u300c\u4e2d\u6771\u885d\u7a81\u7d66\u6cb9\u50f9\u5e36\u4f86\u4e0a\u884c\u58d3\u529b\uff0c\u52a0\u5287\u901a\u8ca8\u81a8\u8139\u4e26\u4f7f\u5176\u9032\u4e00\u6b65\u504f\u96e2\u7f8e\u806f\u51322%\u7684\u76ee\u6a19\uff0c\u300dRealtor.com\u9ad8\u7d1a\u7d93\u6fdf\u5b78\u5bb6Jiayi Xu\u8868\u793a\u3002\u300c\u885d\u7a81\u4f3c\u4e4e\u63a5\u8fd1\u89e3\u6c7a\u6642\uff0c\u50b5\u5238\u6536\u76ca\u7387\u4e0b\u964d\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4e5f\u96a8\u4e4b\u4e0b\u964d\u3002\u4f46\u4e2d\u6771\u7dca\u5f35\u5c40\u52e2\u6700\u65b0\u5347\u7d1a\u63a8\u9ad8\u6cb9\u50f9\u3001\u91cd\u65b0\u5f15\u767c\u901a\u8139\u64d4\u6182\u4e26\u63a8\u52d5\u6536\u76ca\u7387\u548c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u56de\u5347\u3002\u300d","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\/2020\/03\/mortgage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/03\/mortgage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/03\/mortgage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":159840,"url":"https:\/\/newsforchinese.com\/v3\/2018\/08\/03\/%e9%95%b7%e6%9c%9f%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e9%80%a3%e7%ba%8c%e5%85%a9%e9%80%b1%e4%b8%8a%e6%bc%b2\/","url_meta":{"origin":303509,"position":3},"title":"\u9577\u671f\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u9023\u7e8c\u5169\u9031\u4e0a\u6f32","author":"Yingying","date":"August 3, 2018","format":false,"excerpt":"\u9577\u671f\u806f\u90a6\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u9023\u7e8c\u7b2c\u4e8c\u9031\u4e0a\u6f32\uff0c\u6f5b\u5728\u8cfc\u623f\u8005\u7684\u524d\u666f\u7e7c\u7e8c\u53d7\u5230\u6291\u5236\u3002 \u62b5\u62bc\u8cb8\u6b3e\u8cfc\u8cb7\u8005Freddie Mac\u9031\u56db\u8868\u793a\uff0c30\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u5e73\u5747\u5229\u7387\u5f9e\u4e0a\u9031\u76844.54%\u5347\u81f34.60%\u3002\u9577\u671f\u8cb8\u6b3e\u5229\u7387\u7dad\u6301\u5728\u4e03\u5e74\u4f86\u6700\u9ad8\u6c34\u6e96\u3002\u4eca\u5e745\u670824\u65e5\uff0c\u5e73\u5747\u57fa\u6e9630\u5e74\u5229\u7387\u9054\u52304.66%\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u9019\u4e00\u5229\u7387\u5728\u4e00\u5e74\u524d\u70ba3.93%\u3002 \u672c\u903115\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u8cb8\u6b3e\u5e73\u5747\u5229\u7387\u5f9e\u4e0a\u9031\u76844.02%\u4e0a\u5347\u52304.08%\u3002 \u5118\u7ba1\u7d93\u6fdf\u548c\u5c31\u696d\u5e02\u5834\u8868\u73fe\u5f37\u52c1\uff0c\u4f46\u4eca\u5e74\u590f\u5929\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u7684\u4e0a\u5347\u548c\u623f\u50f9\u7684\u7a69\u6b65\u4e0a\u6f32\u9650\u5236\u4e86\u623f\u5c4b\u92b7\u552e\u3002 \u7f8e\u806f\u5132\u9031\u4e09\u5c07\u5176\u95dc\u9375\u5229\u7387\u4fdd\u6301\u4e0d\u8b8a\uff0c\u4f46\u9810\u793a\u53ea\u8981\u7d93\u6fdf\u4fdd\u6301\u5065\u5eb7\uff0c\u672a\u4f86\u6578\u6708\u5c07\u7e7c\u7e8c\u9010\u6b65\u52a0\u606f\u3002 \u96a8\u8457\u806f\u90a6\u50b5\u5238\u50f9\u683c\u4e0b\u8dcc\uff0c\u57fa\u6e9610\u5e74\u671f\u570b\u50b5\u6536\u76ca\u7387\u5728\u672c\u9031\u81ea\u516d\u6708\u4e2d\u65ec\u4ee5\u4f86\u9996\u6b21\u5347\u81f33%\u3002\u9031\u56db\u4e0a\u5348\u6536\u76ca\u7387\u662f2.99%\u3002 \u570b\u50b5\u6536\u76ca\u7387\u8f03\u9ad8\u5f80\u5f80\u6703\u63a8\u9ad8\u62b5\u62bc\u8cb8\u6b3e\u548c\u5176\u4ed6\u8cb8\u6b3e\u7684\u5229\u7387\u3002 \u70ba\u8a08\u7b97\u5e73\u5747\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\uff0cFreddie Mac\u6bcf\u9031\u5728\u9031\u4e00\u5230\u9031\u4e09\u4e4b\u9593\u5c0d\u5168\u570b\u5404\u5730\u8cb8\u6b3e\u4eba\u9032\u884c\u8abf\u67e5\u3002 \u5e73\u5747\u5229\u7387\u4e0d\u5305\u62ec\u88ab\u7a31\u70ba\u9ede\u6578\u7684\u984d\u5916\u8cbb\u7528\u3002\u5927\u591a\u6578\u501f\u6b3e\u4eba\u5fc5\u9808\u652f\u4ed8\u9ede\u6578\u4ee5\u7372\u5f97\u6700\u4f4e\u5229\u7387\u3002 30\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u8cbb\u7528\u5f9e\u4e0a\u9031\u76840.5\u9ede\u4e0b\u964d\u52300.4\u9ede\u300215\u5e74\u671f\u62b5\u62bc\u8cb8\u6b3e\u8cbb\u7528\u7dad\u6301\u57280.4\u9ede\u4e0d\u8b8a\u3002 5\u5e74\u53ef\u8abf\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u5f9e\u4e0a\u9031\u76843.87%\u4e0a\u5347\u52303.93%\u3002\u8cbb\u7528\u5f9e0.4\u9ede\u964d\u5230\u4e860.2\u9ede\u3002","rel":"","context":"In &quot;\u623f\u5730\u7522&quot;","block_context":{"text":"\u623f\u5730\u7522","link":"https:\/\/newsforchinese.com\/v3\/category\/realestate\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/06\/family-budget.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/06\/family-budget.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/06\/family-budget.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":226399,"url":"https:\/\/newsforchinese.com\/v3\/2022\/09\/16\/30%e5%b9%b4%e6%9c%9f%e5%9b%ba%e5%ae%9a%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e6%9c%ac%e9%80%b1%e8%b6%8a%e9%81%8e6\/","url_meta":{"origin":303509,"position":4},"title":"30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u672c\u9031\u8d8a\u904e6%","author":"Yingying","date":"September 16, 2022","format":false,"excerpt":"\u4e00\u5e74\u524d\uff0c\u8cfc\u623f\u768430\u5e74\u671f\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5e73\u5747\u70ba2.86%\u3002\u73fe\u5728\u9019\u4e00\u6bd4\u7387\u5df2\u7d93\u7ffb\u4e86\u4e00\u756a\u591a\uff0c\u9054\u5230\u4e866%\u591a\u4e00\u9ede\u3002\u4e00\u4e9b\u4eba\u5df2\u7d93\u88ab\u64e0\u51fa\u4e86\u5e02\u5834\u3002 \u96d6\u7136\u4f60\u60f3\u8cb7\u7684\u65b0\u623f\u5b50\u7684\u6210\u672c\u53ef\u80fd\u6bd4\u4eca\u5e74\u521d\u6709\u6240\u4e0b\u964d\uff0c\u4f46\u9019\u4e00\u597d\u8655\u537b\u88ab\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4e0a\u5347\u6240\u62b5\u6d88\u300230\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u672c\u9031\u6500\u5347\u81f36%\u4ee5\u4e0a\uff0c\u662f\u4e00\u5e74\u524d\u7684\u5169\u500d\u591a\uff0c\u4e5f\u662f\u81ea2008\u5e74\u4ee5\u4f86\u7684\u6700\u9ad8\u6c34\u6e96\u3002 Coldwell Banker\u623f\u5730\u7522\u7d93\u7d00\u4ebaDan McLean\u8868\u793a\uff1a\u300c\u9019\u5c07\u5f71\u97ff\u9996\u6b21\u8cfc\u623f\u8005\u548c\u5165\u9580\u7d1a\u8cfc\u623f\u8005\u3002\u9019\u5c07\u70ba\u5927\u5927\u589e\u52a0\u4ed6\u5011\u7684\u6708\u4f9b\u9084\u6b3e\u984d\u3002\u300d McLean\u8aaa\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4e0d\u65b7\u4e0a\u5347\u53ea\u662f\u904e\u53bb\u5e7e\u500b\u6708\u623f\u5730\u7522\u5e02\u5834\u7684\u4e00\u500b\u8b8a\u5316\u3002 \u300c\u7af6\u722d\u6d88\u5931\u4e86\uff0c\u300d\u4ed6\u8aaa\u3002\u300c\u623f\u5b50\u4e0d\u518d\u670910-15\u500b\u5831\u50f9\u3002\u6211\u5011\u770b\u5230\u4e00\u500b\u3001\u5169\u500b\u3001\u4e09\u500b\u6216\u56db\u500b\u5831\u50f9\u3002\u7af6\u722d\u5c11\u4e86\uff0c\u760b\u72c2\u5c11\u4e86\u3002\u5c11\u4e86\u904e\u5ea6\u51fa\u50f9\uff0c\u4ee3\u7406\u5546\u7d66\u51fa\u66f4\u900f\u660e\u7684\u50f9\u683c\uff0c\u623f\u5b50\u5b9a\u50f9\u8b8a\u5f97\u66f4\u597d\u3002\u300d \u5c08\u5bb6\u8aaa\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6b63\u5728\u4e0a\u5347\uff0c\u56e0\u70ba\u7f8e\u570b\u4ecd\u7136\u7121\u6cd5\u63a7\u5236\u901a\u8ca8\u81a8\u8139\u3002\u806f\u90a6\u653f\u5e9c\u4e00\u76f4\u5728\u63d0\u9ad8\u5229\u7387\uff0c\u5e0c\u671b\u9019\u5c07\u64e0\u58d3\u9700\u6c42\uff0c\u63a8\u52d5\u6d88\u8cbb\u50f9\u683c\u4e0b\u964d\uff0c\u4f46\u9019\u9084\u6c92\u6709\u767c\u751f\u3002 \u300c\u6211\u7684\u5efa\u8b70\u662f\u8981\u8010\u5fc3\u3002\u300dMorgan Stanley\u5bb6\u5ead\u8ca1\u5bcc\u9867\u554fGeorge Noceti\u8aaa\u3002\u300c\u6211\u5011\u6c92\u6709\u8010\u5fc3\uff0c\u6211\u5011\u7d55\u5c0d\u6c92\u6709\u8010\u5fc3\uff0c\u4eca\u5929\u6211\u5011\u9700\u8981\u89e3\u6c7a\u9019\u4e00\u9ede\u3002\u300d Noceti\u8868\u793a\uff0c\u7d93\u6fdf\u5c07\u51fa\u73fe\u5fa9\u8607\uff0c\u4f46\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u53ef\u80fd\u8981\u5230\u660e\u5e74\u7b2c\u4e00\u6216\u7b2c\u4e8c\u5b63\u5ea6\u624d\u6703\u958b\u59cb\u4e0b\u964d\u3002\u4ed6\u8aaa\uff0c\u5728\u90a3\u4e4b\u524d\uff0c\u91cd\u8981\u7684\u662f\uff1a\u5bb6\u5ead\u4e0d\u8981\u592a\u52c9\u5f37\u81ea\u5df1\u53bb\u8cb7\u4e00\u5957\u627f\u64d4\u4e0d\u8d77\u7684\u623f\u5b50\u3002","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":291380,"url":"https:\/\/newsforchinese.com\/v3\/2026\/02\/27\/30%e5%b9%b4%e5%9b%ba%e5%ae%9a%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e9%99%8d%e8%87%b36%e4%bb%a5%e4%b8%8b\/","url_meta":{"origin":303509,"position":5},"title":"30\u5e74\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u964d\u81f36%\u4ee5\u4e0b","author":"Yingying","date":"February 27, 2026","format":false,"excerpt":"Freddie Mac\u6700\u65b0\u6578\u64da\u986f\u793a\uff0c30\u5e74\u671f\u56fa\u5b9a\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u8fd1\u56db\u5e74\u4f86\u9996\u6b21\u964d\u81f36%\u4ee5\u4e0b\u3002 \u4eca\u5e74\u5229\u7387\u4e00\u76f4\u5f98\u5f8a\u57286%\uff0c\u53bb\u5e742\u6708\u5e73\u5747\u70ba6.76%\u3002 \u300c30\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u4e09\u5e74\u534a\u4ee5\u4f86\u9996\u6b21\u8dcc\u81f35%\u5340\u9593\uff0c\u751a\u81f3\u4f4e\u65bc\u4e0a\u9031\u91cc\u7a0b\u7891\uff0c\u300dFreddie Mac\u9996\u5e2d\u7d93\u6fdf\u5b78\u5bb6Sam Khater\u5728\u4e00\u4efd\u8072\u660e\u4e2d\u8868\u793a\u3002\u300c\u9019\u4e00\u5229\u7387\u52a0\u4e0a\u5f85\u552e\u623f\u5c4b\u4f9b\u61c9\u91cf\u7684\u589e\u52a0\u5177\u6709\u91cd\u8981\u610f\u7fa9\uff0c\u5c07\u63a8\u52d5\u66f4\u591a\u6f5b\u5728\u8cb7\u5bb6\u5728\u6625\u5b63\u8cfc\u623f\u5b63\u9032\u5165\u5e02\u5834\u3002\u300d \u75ab\u60c5\u904e\u5f8c\uff0c\u623f\u50f9\u8fc5\u901f\u4e0a\u6f32\uff0c\u8207\u6b64\u540c\u6642\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5c45\u9ad8\u4e0d\u4e0b\uff0c\u6f5b\u5728\u8cb7\u5bb6\u56e0\u6b64\u88ab\u62d2\u4e4b\u9580\u5916\u3002 \u7136\u800c\uff0c\u66d9\u5149\u5df2\u986f\u73fe\u3002\u4e00\u4e9b\u5206\u6790\u5e2b\u7a31\uff0c\u5de5\u8cc7\u4e0a\u6f32\u901f\u5ea6\u5feb\u65bc\u623f\u50f9\uff0c\u4e26\u4e14\u8cfc\u623f\u8005\u6b63\u4eab\u53d7\u591a\u5e74\u4f86\u6700\u5927\u6298\u6263\u3002 \u64daRocket Mortgage\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6bcf\u964d\u4e00\u500b\u767e\u5206\u9ede\uff0c\u8cfc\u623f\u6bcf\u5e74\u53ef\u7bc0\u7701\u6578\u5343\u6216\u6578\u842c\u8cbb\u7528-\u5177\u9ad4\u53d6\u6c7a\u65bc\u623f\u50f9\u3002 \u300c\u770b\u8d77\u4f86\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u6b63\u5b89\u5b9a\u4e0b\u4f86\uff0c\u300dNational Association of Realtors \uff08NAR\uff09\u9996\u5e2d\u7d93\u6fdf\u5b78\u5bb6Lawrence Yun\u8aaa\u3002\u300c\u9019\u5c0d\u8cfc\u623f\u8005\u662f\u597d\u6d88\u606f\u3002\u300d Yun\u8aaa\uff0cNAR\u767c\u4f48\u7684\u4f4f\u623f\u8ca0\u64d4\u80fd\u529b\u6307\u6a19\u9023\u7e8c\u4e03\u500b\u6708\u6539\u5584\uff0c\u5347\u81f32022\u5e74\u4ee5\u4f86\u6700\u9ad8\u6c34\u6e96\u3002\u4e00\u4e9b\u5206\u6790\u4eba\u58eb\u6307\u51fa\uff0c\u623f\u50f9\u98c6\u5347\u653e\u7de9\u548c\u6536\u5165\u589e\u9577\u52a0\u5feb\u589e\u5f37\u4e86\u8cfc\u623f\u8005\u7684\u8cfc\u8cb7\u529b\u3002","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/refinance-mortgage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/09\/banner.jpg","_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/303509","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=303509"}],"version-history":[{"count":3,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/303509\/revisions"}],"predecessor-version":[{"id":303514,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/303509\/revisions\/303514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/303510"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=303509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=303509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=303509"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=303509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}