{"id":304575,"date":"2026-10-15T11:45:54","date_gmt":"2026-10-15T18:45:54","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=304575"},"modified":"2026-10-15T11:46:03","modified_gmt":"2026-10-15T18:46:03","slug":"%e5%9b%ba%e5%ae%9a%e5%88%a9%e6%81%af%e5%b9%b4%e9%87%91%e5%88%a9%e7%8e%87%e5%89%b5%e9%ab%98-%e6%9c%80%e9%ab%98%e8%a4%87%e5%88%a9%e9%81%94-6-35","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2026\/10\/15\/%e5%9b%ba%e5%ae%9a%e5%88%a9%e6%81%af%e5%b9%b4%e9%87%91%e5%88%a9%e7%8e%87%e5%89%b5%e9%ab%98-%e6%9c%80%e9%ab%98%e8%a4%87%e5%88%a9%e9%81%94-6-35\/","title":{"rendered":"\u56fa\u5b9a\u5229\u606f\u5e74\u91d1\u5229\u7387\u5275\u9ad8 \u6700\u9ad8\u8907\u5229\u9054 6.35%"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u3010\u7406\u8ca1\u7279\u5831\u3011\u56fa\u5b9a\u5229\u606f\u5e74\u91d1\u5229\u7387\u5275\u6b77\u53f2\u65b0\u9ad8\uff01\u6700\u9ad8\u8907\u5229\u9054 6.35% <\/p>\n\n\n\n<!--more-->\n\n\n\n<figure class=\"wp-block-image 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https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/10\/investment-183x300.png 183w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/10\/investment.png 600w\" sizes=\"auto, (max-width: 367px) 100vw, 367px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u9762\u5c0d\u5e02\u5834\u6ce2\u52d5\uff0c\u5982\u4f55\u5e6b\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u8207\u7f8e\u91d1\u8cc7\u7522\u9396\u4f4f\u9ad8\u6536\u76ca\uff1f\u6700\u65b0\u63a8\u51fa\u7684\u300c\u56fa\u5b9a\u5229\u606f\u5e74\u91d1\u300d\u8a08\u5283\u5f37\u52e2\u767b\u5834\uff0c\u70ba\u6295\u8cc7\u4eba\u63d0\u4f9b\u7a69\u5065\u589e\u503c\u7684\u6700\u4f73\u7ba1\u9053\uff01<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e09\u5927\u6838\u5fc3\u4eae\u9ede\uff1a<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; <strong>\u8907\u5229\u589e\u9577<\/strong>\uff1a\u6975\u81f4\u653e\u5927\u6642\u9593\u50f9\u503c\uff0c\u5229\u606f\u6bcf\u5e74\u9084\u53ef\u63d0\u524d\u9818\u53d6\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2&#xfe0f;&#x20e3; <strong>\u591a\u5143\u8cc7\u91d1\u652f\u63f4<\/strong>\uff1a\u63a5\u53d7 401K \/ IRA \/ Roth IRA \u8f49\u5165\uff0c\u9592\u7f6e\u73fe\u91d1\u4ea6\u53ef\u53c3\u52a0\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3&#xfe0f;&#x20e3; <strong>\u9577\u77ed\u671f\u5f48\u6027\u914d\u7f6e<\/strong>\uff1a\u63d0\u4f9b 2\uff5e7 \u5e74\u591a\u7a2e\u5e74\u671f\u9078\u64c7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u91cd\u9ede\u5229\u7387\u4e00\u89bd\uff1a<\/strong> \u2022 7 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a <strong>6.35%<\/strong> \uff5c $10\u842c\u4ee5\u4e0b <strong>6.10%<\/strong> \u2022 5 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a <strong>6.30%<\/strong> \uff5c $10\u842c\u4ee5\u4e0b <strong>6.05%<\/strong> \u2022 3 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a <strong>5.75%<\/strong> \uff5c $10\u842c\u4ee5\u4e0b <strong>5.50%<\/strong> \u2022 2 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a <strong>4.80%<\/strong> \uff5c $10\u842c\u4ee5\u4e0b <strong>4.55%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u964d\u606f\u9810\u671f\u8207\u5e02\u5834\u4e0d\u78ba\u5b9a\u6027\u4e0b\uff0c\u63d0\u65e9\u9396\u5b9a\u9ad8\u5229\u7387\u624d\u662f\u8cc7\u7522\u9632\u79a6\u7684\u738b\u9053\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e86\u89e3\u8a73\u60c5\u8acb\u96fb\uff1a<\/strong> 408-996-7200\uff08Lulu\uff09 <strong>\u5c08\u696d\u8cc7\u7522\u898f\u5283\u5718\u968a\uff1a<\/strong> \u74a9\u4ee5\u4e2d\u4fdd\u96aa\u5c08\u5bb6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b61\u8fce\u4f86\u96fb\u6216\u79c1\u8a0a\u8aee\u8a62\uff0c\u70ba\u60a8\u91cf\u8eab\u6253\u9020\u5c08\u5c6c\u8cc7\u7522\u65b9\u6848\uff01<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">#\u8cc7\u7522\u914d\u7f6e #\u7f8e\u91d1\u7406\u8ca1 #\u9000\u4f11\u8a08\u5283 #401K\u8f49\u5165 #\u56fa\u5b9a\u6536\u76ca #\u6295\u8cc7\u7406\u8ca1 #\u74a9\u4ee5\u4e2d\u4fdd\u96aa\u5c08\u5bb6<\/p>\n<div class=\"gsp_post_data\" \r\n\t            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6.35%<\/p>\n","protected":false},"author":1,"featured_media":304577,"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":[609,13,18],"tags":[68,69,6669,1744,1702,1717],"series":[],"class_list":["post-304575","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-biz","category-money","tag-san-francisco","tag-san-jose","tag---6-35","tag-1744","tag-1702","tag-1717"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- 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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=\"\u3010\u7406\u8ca1\u7279\u5831\u3011\u56fa\u5b9a\u5229\u606f\u5e74\u91d1\u5229\u7387\u5275\u6b77\u53f2\u65b0\u9ad8\uff01\u6700\u9ad8\u8907\u5229\u9054 6.35% \u9762\u5c0d\u5e02\u5834\u6ce2\u52d5\uff0c\u5982\u4f55\u5e6b\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u8207\u7f8e\u91d1\u8cc7\u7522\u9396\u4f4f\u9ad8\u6536\u76ca\uff1f\u6700\u65b0\u63a8\u51fa\u7684\u300c\u56fa\u5b9a\u5229\u606f\u5e74\u91d1\u300d\u8a08\u5283\u5f37\u52e2\u767b\u5834\uff0c\u70ba\u6295\u8cc7\u4eba\u63d0\u4f9b\u7a69\u5065\u589e\u503c\u7684\u6700\u4f73\u7ba1\u9053\uff01 \u4e09\u5927\u6838\u5fc3\u4eae\u9ede\uff1a 1\ufe0f\u20e3 \u8907\u5229\u589e\u9577\uff1a\u6975\u81f4\u653e\u5927\u6642\u9593\u50f9\u503c\uff0c\u5229\u606f\u6bcf\u5e74\u9084\u53ef\u63d0\u524d\u9818\u53d6\u3002 2\ufe0f\u20e3 \u591a\u5143\u8cc7\u91d1\u652f\u63f4\uff1a\u63a5\u53d7 401K \/ IRA \/ Roth IRA \u8f49\u5165\uff0c\u9592\u7f6e\u73fe\u91d1\u4ea6\u53ef\u53c3\u52a0\u3002 3\ufe0f\u20e3 \u9577\u77ed\u671f\u5f48\u6027\u914d\u7f6e\uff1a\u63d0\u4f9b 2\uff5e7 \u5e74\u591a\u7a2e\u5e74\u671f\u9078\u64c7\u3002 \u91cd\u9ede\u5229\u7387\u4e00\u89bd\uff1a \u2022 7 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a 6.35% \uff5c $10\u842c\u4ee5\u4e0b 6.10% \u2022 5 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a 6.30% \uff5c $10\u842c\u4ee5\u4e0b 6.05% \u2022 3 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a 5.75% \uff5c $10\u842c\u4ee5\u4e0b 5.50% \u2022 2 \u5e74\u671f\uff1a$10\u842c\u4ee5\u4e0a 4.80% \uff5c $10\u842c\u4ee5\u4e0b 4.55% \u5728\u964d\u606f\u9810\u671f\u8207\u5e02\u5834\u4e0d\u78ba\u5b9a\u6027\u4e0b\uff0c\u63d0\u65e9\u9396\u5b9a\u9ad8\u5229\u7387\u624d\u662f\u8cc7\u7522\u9632\u79a6\u7684\u738b\u9053\u3002 \u4e86\u89e3\u8a73\u60c5\u8acb\u96fb\uff1a 408-996-7200\uff08Lulu\uff09 \u5c08\u696d\u8cc7\u7522\u898f\u5283\u5718\u968a\uff1a \u74a9\u4ee5\u4e2d\u4fdd\u96aa\u5c08\u5bb6 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8\u5e74\u7684\u6642\u9593\uff0c\u5305\u62ec\u4e2d\u98a8\uff0c\u764c\u75c7\u53ca\u8001\u4eba\u7661\u5446\u75c7\u7b49\u90fd\u6703\u9700\u8981\u9577\u671f\u8b77\u7406\uff0c\u800c\u5e73\u5747\u6bcf\u6708\u7684\u9577\u671f\u8b77\u7406\u8cbb\u7528\u5728$ 7,000- $ 10,000\u7f8e\u5143\uff0c\u5982\u679c\u9700\u89815 \u2013 8\u5e74\u5c07\u82b1\u8cbb50\u842c\u7f8e\u5143\u5230100\u842c\u7f8e\u5143\u3002\u9019\u53ea\u662f\u4e00\u500b\u4eba\u7684\u82b1\u8cbb\uff0c\u5982\u679c\u592b\u59bb\u5006\u90fd\u9700\u8981\u9577\u671f\u8b77\u7406\uff0c\u5247\u82b1\u8cbb\u4e5f\u8981\u7ffb\u500d\u3002\u7684\u5132\u84c4\uff0c\u62d6\u7d2f\u5230\u914d\u5076\uff0c\u5b69\u5b50\u548c\u5176\u4ed6\u5bb6\u4eba\u3002 \u5047\u8a2d\u60a8\u53ea\u5b58\u4e86\u4e86\u5e7e\u5341\u842c\u7f8e\u91d1\u7684\u9000\u4f11\u91d1\uff0c\u6e96\u5099\u9000\u4f11\u7528\uff0c\u4f46\u56e0\u70ba\u9577\u671f\u8b77\u7406\u7684\u8cbb\u7528\uff0c\u5f88\u53ef\u80fd\u4e0d\u5230\u5341\u5e74\u5c31\u628a\u60a8\u7684\u9000\u4f11\u91d1\u5168\u90e8\u82b1\u5149\uff0c\u53ef\u80fd\u9084\u4e0d\u5920\u7528\u3002\u6709\u4e9b\u4eba\u8aaa\uff0c\u4e0d\u662f\u53ef\u4ee5\u6709\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\uff08Medicare\uff09\u4f86\u652f\u4ed8\u9577\u671f\u8b77\u7406\u8cbb\u7528\u55ce\uff1f\u7b54\u6848\u662f\u5426\u5b9a\u7684\u3002\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\uff08Medicare\uff09\u53ea\u7ba1100\u53e3\uff0c\u5982\u679c100\u5929\u540e\u75c5\u4eba\u9084\u9700\u8981\u8b77\u7406\uff0c\u5247\u9700\u8981\u5168\u984d\u81ea\u8cbb\u3002 \u9664\u975e\u60a8\u6c92\u6709\u4efb\u4f55\u8cc7\u7522\uff0c\u53ef\u4ee5\u4eab\u53d7\u653f\u5e9c\u7279\u6b8a\u4f4e\u6536\u5165\u798f\u5229\uff08Medicaid\uff09\uff0c\u53ef\u70ba\u67d0\u4e9b\u8001\u4eba\u63d0\u4f9b\u9577\u671f\u8b77\u7406\u798f\u5229\uff0c\u4f46\u689d\u4ef6\u975e\u5e38\u82db\u523b\uff0c\u4e00\u822c\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u90fd\u88ab\u6392\u9664\u5728\u5916\uff0c\u6240\u4ee5\u60a8\u9084\u9700\u8981\u300a\u751f\u524d\u798f\u5229\u842c\u5168\u4fdd\u300b \u300b\u4f86\u9810\u9632\u56e0\u9577\u671f\u8b77\u7406\u800c\u9020\u6210\u7684\u8ca1\u52d9\u640d\u5931\u3002 \u8ddf\u5927\u5bb6\u5206\u4eab\u6211\u8fd1\u671f\u70ba\u4e00\u4f4d\u5ba2\u6236\u505a\u9000\u4f11\u7406\u8ca1\u8a08\u5283\u7684\u4f8b\u5b50\uff1a 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\u60a8\u7684401k\u5e33\u6236\u53ef\u4ee5\u8f49\u5230\u5e74\u91d1\u55ce\uff1f\u9996\u5148\u9700\u8981\u78ba\u4fdd\u60a8\u6709\u8cc7\u683c\uff0c\u5982\u679c\u60a8\u5df2\u7d93\u9000\u4f11\uff0c\u5b8c\u5168\u6c92\u6709\u7e7c\u7e8c\u7559\u5728\u516c\u53f8\u5de5\u4f5c\u6216\u8005\u60a8\u63db\u4e86\u5de5\u4f5c\uff0c\u90a3\u9ebc\u60a8\u5e7e\u4e4e\u80af\u5b9a\u53ef\u4ee5\u5c07\u820a\u516c\u53f8\u7684401k\u6216403b\u8f49\u5230\u5e74\u91d1\u4f86\u3002\u4f46\u662f\uff0c\u5982\u679c\u60a8\u82e5\u4ecd\u820a\u662f\u540c\u4e00\u500b\u96c7\u4e3b\uff0c\u5e74\u9f61\u5fc5\u9808\u8d85\u904e59\u6b72\u534a\uff0c\u4f60\u4fbf\u53ef\u4ee5\u63a2\u8a62\u516c\u53f8\u4eba\u529b\u8cc7\u6e90\u90e8\u9580\u662f\u5426\u6279\u51c6\u5c55\u671f\u3002\u5982\u679c\u53ef\u4ee5\uff0c\u60a8\u4fbf\u53ef\u4ee5\u4e00\u6b21\u6027\u5c55\u671f\u4e00\u5927\u534a401k\u88e1\u7684\u8cc7\u91d1\u81f3\u5e74\u91d1\u4f86\uff0c\u60a8\u4e0d\u9700\u8981\u628a\u6240\u6709\u7684401k\u88e1\u7684\u8cc7\u91d1\u8f49\u5230\u5e74\u91d1\uff0c\u60a8\u4ecd\u7136\u53ef\u4ee5\u8ca2\u737b\u9322\u81f3\u73fe\u5728\u96c7\u4e3b\u8cc7\u52a9\u7684401\uff08k\uff09\u8a08\u5283\u3002 \u6211\u70ba\u5979\u505a\u5982\u4e0b\u898f\u5283\uff1a\u5979\u628a\u524d\u516c\u53f8401K\u5167\u768465\u842c\u7f8e\u5143\u4e2d\u768430\u842c\u7f8e\u5143\u8f49\u5230\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f86\uff0c\u6536\u5165\u8cec\u6236\u7acb\u99ac\u7372\u5f97\u958b\u6236\u7d05\u522920\uff05\uff0c\u7b2c\u4e00\u5e74\u6536\u5165\u8cec\u6236\u70ba$ 360,000\uff08$ 300,000 x 1.2\uff09 \uff0c\u4fdd\u672c\uff0c\u6307\u6578\u6f32\u8ddf\u8457\u6f32\uff0c\u6307\u6578\u8dcc\u5b83\u4e0d\u8dcc\uff0c\u6c92\u6709\u7ba1\u7406\u8cbb\uff0c\u6c92\u6709\u670d\u52d9\u8cbb\uff0c\u6536\u5165\u589e\u91cf\uff0c\u6d3b\u5f97\u8d8a\u4e45\u9818\u5f97\u8d8a\u591a\u300271\u6b72\u958b\u59cb\u62ff\u9322\uff0c80\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u7d04\u6709$ 492,317\u7f8e\u5143\uff0c90\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u7d04\u6709$ 1,321,206\u7f8e\u5143\uff08\u4ee5\u4e0a\u5404\u7a2e\u6578\u64da\u53ef\u4ee5\u53c3\u8003\uff0c\u5be6\u969b\u6578\u64da\u6703\u56e0\u5e02\u5834\u548c\u500b\u4eba\u56e0\u7d20\u800c\u6709\u6240\u4e0d\u540c\u3002\uff09 \u6309IRS\u898f\u5b9a\uff0c\u597959\u6b72\u534a\u4ee5\u5f8c\u5c31\u53ef\u4ee5\u53ef\u4ee5\u958b\u59cb\u5f9e401K\u4e2d\u62ff\u9322\uff08\u63d0\u6b3e\uff09\u800c\u7121\u9700\u4ea410\uff05\u7684\u6a19\u8a3b\u3002\u5979\u53ef\u4ee5\u5f9e\u5269\u9918\u768435\u842c\u7f8e\u5143\uff0c\u6bcf\u5e74\u62ff\u51fa3\u842c\u7f8e\u5143\uff08\u5979\u9818\u53d63\u842c\u7f8e\u5143\u7b97\u6536\u5165\u9700\u8981\u7533\u5831\u500b\u4eba\u6536\u5165\uff09\uff0c\u6211\u5efa\u8b70\u5979\u5f9e401K\u6536\u56de\u7684\u9322\u4f86\u6295\u4fdd\u4e00\u4efd\u570b\u5bb6\u4eba\u58fd50\u842c\u7f8e\u5143\u7684\u300a\u751f\u524d\u798f\u5229\u842c\u5168\u4fdd\u7684\u6307\u6578\u4e07\u80fd\u58fd\u96aa\/ Indexed Universal Life\uff0c\u7c21\u7a31IUL\u300b\uff0c\u5b83\u662f\u96c6\u4eba\u58fd\uff0c\u500d\u589e\u7bc0\u7701\uff0c\u7d55\u75c7\u4fdd\u96aa\uff0c\u9577\u671f\u8b77\u7406\/\u6162\u6027\u75be\u75c5\uff0c\u91cd\u5927\u75be\u75c5\uff0c\u91cd\u5927\u50b7\u6b98\u53ca\u7d42\u751f\u514d\u7a05\u9000\u4f11\u91d1\u529f\u80fd\u65bc\u4e00\u8eab\u7684\u300a 7\u54081\u4fdd\u96aa\u300b\u3002\u842c\u4e00\u6709\u91cd\u5927\u75be\u75c5\uff0c\u91cd\u5927\u50b7\u6b98\uff0c\u9577\u671f\u8b77\u7406\/\u6162\u6027\u75be\u75c5\uff0c\u7d55\u75c7\uff08\u751f\u547d\u9031\u671f\u572824\u500b\u6708\u4e4b\u5167\uff09\u6642\uff0c\u53ef\u5411\u4fdd\u96aa\u516c\u53f8\u7533\u8acb\u63d0\u524d\u7406\u8ce0\uff0c\u628a\u8eab\u5f8c\u7406\u8ce0\u8b8a\u6210\u63d0\u524d\u7406\u8ce0\uff0c\u8b93\u6d3b\u8457\u6642\u5c31\u53ef\u4ee5\u4f7f\u7528\u7406\u8ce0\u91d1\uff0c\u7406\u8ce0\u91d1\u6700\u9ad8\u53ef\u9054\u4fdd\u984d\u7684100\uff05\uff0c\u7406\u8ce0\u91d1\u5747\u7121\u9700\u7d0d\u7a05\uff01\u5b8c\u5168\u514d\u7a05\uff01 \u6211\u5e6b\u5979\u9078\u64c7\u6b7b\u4ea1\u798f\u5229\u9078\u9805A \u2013\u7d1a\uff0c\u4fdd\u55ae\u73fe\u91d1\u503c\u4ee5\u6a19\u6e96\u666e\u723e500\u6307\u6578\u6307\u6578\u5e73\u5747\u5e74\u589e\u9577\u73876\uff05-7\uff05\u8907\u5229\u589e\u503c\u8a08\u7b97\uff0c\u5979\u6c7a\u5b9a\u898110\u5e74\u4ed8\u6e05\uff0c\u6bcf\u500b\u6708\u4ed8\u4fdd\u8cbb$ 1,481.54\u7f8e\u5143\uff0c\u4e00\u5e74\u4fdd\u8cbb\u70ba$ 17,778.48\u7f8e\u5143\uff08$ 1,481.54 x 12\u500b\u6708\uff09\u3002\u4fdd\u96aa\u5f9e\u958b\u59cb\u751f\u6548\u5230120\u6b72\uff0c\u4efb\u4f55\u6642\u5019\u5979\u904e\u4e16\u4e86\uff0c\u4fdd\u96aa\u516c\u53f8\u90fd\u8981\u8ce050\u842c\u7f8e\u5143\uff0c\u6c92\u6709\u6536\u76ca\u3002 \u203b\u6211\u5011\u4f86\u7b97\u7b46\u8cec\uff0c\u5982\u679c\u53d7\u4fdd\u4eba65\u6b72\u6642\u82e5\uff1a *\u60a3\u6709\u60a3\u7d55\u75c7\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u6b21\u6027\u751f\u524d\u7406\u8ce0\u8ce0\u4ed8\u80fd\u529b\u7d04$ 417,200\u7f8e\u5143\uff08\u82e5\u88ab\u91ab\u751f\u8a3a\u65b7\u5728\u4e16\u4e0a\u53ea\u6709\u5169\u5e74\u7684\u5b58\u6d3b\u671f\uff09\u3002 *\u5f97\u4e86\u6162\u6027\u75c5\uff08\u5403\u98ef\uff0c\u7a7f\u8863\uff0c\u6d17\u6fa1\uff0c\u5982\u5ec1\uff0c\u632a\u52d5\uff0c\u5927\u5c0f\u4fbf\u5931\u7981\u7b49\u4efb\u4f55\u5176\u4e2d\u5927\u90e8\u5206\u4e0d\u80fd\u81ea\u7406\uff0c\u9019\u6a23\u60c5\u6cc1\u6301\u7e8c\u8d85\u904e90\u5929\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u6bcf\u6708\u652f\u4ed8\u53d7\u4fdd\u4eba\u9810\u8a08\u7d04$ 6,919\u5143\uff0c\u7406\u8ce0\u6301\u7e8c\u9ad8\u905450\u500b\u6708\u3002 *\u60a3\u6709\u60a3\u91cd\u5927\u75be\u75c5\uff08\u7b2c\u56db\u985e\uff1a\u751f\u547d\u5371\u96aa\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u6b21\u6027\u751f\u524d\u7406\u8ce0\u640d\u5931\u53ef\u9054\u7d04$ 391,226\u7f8e\u5143\u3002 *\u5982\u679c\u6c92\u6709\u7528\u5230\u91cd\u5927\u75be\u75c5\u6216\u6162\u6027\u75be\u75c5\u7684\u7406\u8ce0\uff0c\u5c07\u4f86\u53d7\u4fdd\u4eba\u5f80\u751f\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u4e00\u7b46\u7406\u8ce0\u91d1$ 500,000\u7d66\u53d7\u76ca\u4eba\u3002 \u751f\u524d\u7406\u8ce0\u6700\u5927\u7684\u597d\u8655\u662f\uff1a\u6700\u5927\u7a0b\u5ea6\u767c\u63ee\u4fdd\u8cbb\u7684\u4f5c\u7528\uff0c\u56e0\u70ba\u55ae\u7368\u7684\u9577\u671f\u770b\u8b77\u96aa\uff08\u6216\u8005\u55ae\u7368\u7684\u9577\u671f\u770b\u8b77\u96aa\uff09\u6216\u91cd\u5927\u75be\u75c5\u96aa\uff08\u91cd\u5927\u75be\u75c5\u4fdd\u96aa\uff09\uff0c\u82e5\u7121\u4e8b\u6545\u4fdd\u8cbb\u5373\u4ed8\u4e4b\u6d41\u6c34\uff0c\u4f46\u6709\u751f\u524d\u798f\u5229\u7406\u8ce0\u7684\u58fd\u96aa\u4fdd\u55ae\uff0c\u662f\u4e00\u500b\u4fdd\u8cbb\u591a\u7a2e\u4fdd\u969c\uff0c\u82e5\u7121\u4e8b\u6545\u767c\u751f\uff0c\u9084\u6709\u6bd4\u9280\u884c\u9ad9\u7684\u5132\u84c4\u5b58\u6b3e\u5229\u7387\uff0c\u53ef\u4ee5\u4f7f\u7528\u3002\u5982\u679c\u6c92\u6709\u7528\u5230\u9577\u671f\u8b77\u7406\u6216\u91cd\u5927\u75be\u75c5\u7684\u7406\u8ce0\uff0c\u751a\u81f3\u7576\u9000\u4f11\u91d1\u4f7f\u7528\uff0c\u8eab\u5f8c\u9084\u53ef\u4ee5\u7372\u5f97\u6b7b\u4ea1\u7406\u8ce0\uff0c\u53ef\u7b97\u662f\u4e00\u8209\u6578\u5f97\u3002\u8207\u55ae\u4e00\u4fdd\u96aa\u7522\u54c1\u76f8\u6bd4\uff0c\u201c\u751f\u524d\u798f\u5229 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1995\u5e74\uff0c\u7f8e\u570b\u7684\u4e00\u4e9b\u4fdd\u96aa\u516c\u53f8\u63a8\u51fa\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\uff0c2008\u5e74\u9019\u7a2e\u5e74\u91d1\u958b\u59cb\u66b4\u7d05\uff0c\u56e0\u70ba\u80a1\u5e02\u72c2\u7009\uff0c\u800c\u5b83\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c\u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500 \u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\uff0c\u65e2\u53ef\u4eab\u53d7\u80a1\u5e02\u5927\u6f32\u6642\u4f60\u7372\u5f97\u8f03\u9ad8\u56de\u5831\u7684\u597d\u8655\uff0c\u53c8\u907f\u514d\u80a1\u5e02\u4e0b\u8dcc\u6642\u4f60\u7684\u640d\u5931\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\uff0c\u4e0d\u5fc5\u6d6a\u8cbb\u7cbe\u529b\uff0c\u4e0d\u5fc5\u627f\u64d4\u98a8\u96aa\uff0c\u8ca1\u5bcc\u7a69\u5b9a\u52a0\u500d\u6210\u9577\u3002 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\u5e74\u91d1\u662f\u4e00\u500b\u5927\u5bb9\u5668\uff0c\u53ef\u4ee5\u628aqualified\u8a08\u5283\uff0c\u5982401K \u3001403B \u3001TSP\u3001\u50b3\u7d71IRA\u6216SEP IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B\u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002 \u5e74\u91d1\u7684\u4e5d\u5927\u512a\u52e2\uff1a \u4e00\u3001 \u7701\u5fc3\u3001\u5b89\u5fc3\uff1a\u898f\u907f\u98a8\u96aa\uff0c\u7121\u9700\u6280\u8853\u7ba1\u7406\uff0c\u514d\u537b\u4e00\u5207\u7169\u60f1\u3001\u6182\u616e\u3002\u4fdd\u8b49\u751f\u6d3b\u8cea\u91cf\u3001\u4fdd\u8b49\u5065\u5eb7\u3002 \u4e8c\u3001\u6536\u76ca\u9060\u9ad8\u65bc\u4e00\u822c\u6295\u8cc7\u5229\u7387\uff1a\u5982\u5132\u84c4\u50b5\u5238\uff0c\u5132\u84c4\u5e33\u6236\u3001\u5b9a\u671f\u5b58\u6b3e\u3001\u652f\u7968\u6236\u53e3\u7b49\u3002 \u4e09\u3001\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u53ef\u96a8\u6642\u52a0\u5165\uff1a\u7121\u9700\u50cf\u80a1\u5e02\u9078\u64c7\u6642\u6a5f\u5165\u5834\uff0c\u9ede\u5230\u9ede\u8a08\u7b97\u5229\u76ca\u6240\u5f97\u3002 \u56db\u3001\u9060\u9060\u512a\u52dd\u65bc\u793e\u5b89\u91d1\uff1a\u9818\u53d6\u793e\u5b89\u91d1\u5e74\u9f61\u88ab\u4e00\u518d\u63a8\u9072\uff0c\u800c\u4e14\u6839\u672c\u4e0d\u8db3\u4ee5\u652f\u4ed8\u65e5\u5e38\u8cbb\u7528\u3002\u60f3\u64c1\u6709\u7f8e\u6eff\u9000\u4f11\u751f\u6d3b\uff0c\u8cfa\u53d6\u984d\u5916\u9000\u4f11\u91d1\uff0c\u5e74\u91d1\u662f\u6700\u53ef\u9760\u7684\u9078\u64c7\u3002 \u4e94\u3001\u5bb6\u5ead\u4fdd\u969c\uff1a\u7576\u5e74\u91d1\u6301\u6709\u4eba\u4e0d\u5e78\u4eba\u65e9\u8d70\u4e86\uff0c\u4e5f\u662f\u6309\u73fe\u91d1\u8cec\u6236(Account Value)\u9918\u4e0b\u7684\u9322\u7d66\u4e88\u53d7\u76ca\u4eba\u3002 \u516d\u3001\u78ba\u4fdd\u7d42\u751f\u9000\u4f11\u91d1\u7684\u4f86\u6e90\uff1a\u7d42\u751f\u990a\u8001\u91d1\uff0c\u6c38\u9060\u7528\u4e0d\u5b8c\u3002\u8d8a\u9818\u8d8a\u9ad8\uff0c\u6709\u6548\u62b5\u79a6\u901a\u8ca8\u81a8\u8139\u3002 \u4e03\u3001\u6bcf\u5e74\u4fdd\u8b49\u4e0d\u8667\u640d\uff1a\u672c\u91d1\u4fdd\u8b49\u53ca\u6700\u4f4e\u8ff4\u5831\u3002\u6307\u6578\u4e0a\u5347\u6642\u53ef\u8cfa\uff0c\u6307\u6578\u4e0b\u964d\u6642\u672c\u5229\u9396\u5b9a\uff1b\u96f6\u98a8\u96aa\uff08\u7121\u8ad6\u6307\u6578\u4e0b\u8dcc\u3001\u80a1\u5e02\u4e0b\u8dcc\uff0c\u90fd\u4e0d\u6703\u8667\u640d\uff09\u3002 \u516b\u3001\u5ef6\u7a05\u53ca\u5fa9\u5229\uff1a\u672c\u91d1\u3001\u7d05\u5229\uff08\u53ef\u9ad8\u905420%-25%\uff09\uff0c\u8207\u6240\u8cfa\u5229\u606f\u8907\u5229\u8a08\u7b97\uff0c\u5373\u5229\u6efe\u5229\u3002 \u4e5d\u3001\u4fdd\u96aa\u516c\u53f8\u6bd4\u9280\u884c\u66f4\u53ef\u4fe1\uff1a\u81ea2008\u5e74\u91d1\u878d\u6d77\u562f\uff0c\u7f8e\u570b\u5171\u6709525\u5bb6\u9280\u884c\u5012\u9589\uff0c\u537b\u6c92\u6709\u4efb\u4f55\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u5012\u9589\u3002 \u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\uff0c\u672c\u91d1\u7559\u5b50\u5b6b\uff0c\u4f9b\u53c3\u8003\uff1a \u8209\u4f8b\uff1a\u6797\u5148\u751f\uff0c54\u6b72\uff0c\u4ed6\u4f4f\u5728\u99ac\u91cc\u862d\u5dde\uff0c\u4ed6\u524d\u516c\u53f8\u7684401K\u5167\u7684\u8cc7\u91d1\u7d04\u670960\u842c\u7f8e\u5143\uff0c\u4ed6\u5e0c\u671b\u64c1\u6709\u4e00\u4efd\u5e74\u91d1\u8a08\u5283\u662f\u6ce8\u91cd\u73fe\u91d1\u8cec\u6236(account value) \u7684\u7a4d\u7d2f\u548c\u589e\u9577\uff0c\u53ea\u6f32\u4e0d\u8dcc\uff0c\u4e0d\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\uff0c\u7576\u80a1\u5e02\u5347\u7684\u6642\u5019\uff0c\u4e5f\u80fd\u53c3\u8207\u589e\u9577\uff0c \u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\u7528\u3002 \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount 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1.5x"},"classes":[]},{"id":303259,"url":"https:\/\/newsforchinese.com\/v3\/2026\/09\/24\/mba%ef%bc%9a%e4%b8%8a%e9%80%b1%e6%8a%b5%e6%8a%bc%e8%b2%b8%e6%ac%be%e5%88%a9%e7%8e%87%e8%b6%857\/","url_meta":{"origin":304575,"position":4},"title":"MBA\uff1a\u4e0a\u9031\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u8d857%","author":"Yingying","date":"September 24, 2026","format":false,"excerpt":"\u6839\u64daMortgage Bankers Association\uff08MBA\uff09\u6578\u64da\uff0c\u4e0a\u9031\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5347\u81f37%\u4ee5\u4e0a\uff0c\u5275\u4e0b\u5169\u5e74\u591a\u4f86\u65b0\u9ad8\u3002 MBA\u8868\u793a\uff0c\u57289\u670818\u65e5\u7d50\u675f\u7684\u9019\u4e00\u9031\uff0c30\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\u5347\u81f37.12%\u3002\u8a72\u5354\u6703\u6307\u51fa\uff0c\u4e0a\u6b21\u9054\u5230\u9019\u4e00\u9ad8\u9ede\u662f\u57282024\u5e745\u6708\u3002 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