{"id":304575,"date":"2026-10-15T11:45:54","date_gmt":"2026-10-15T18:45:54","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=304575"},"modified":"2026-10-15T13:32:20","modified_gmt":"2026-10-15T20:32:20","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\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 size-large\"><img 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<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            data-post_type=\"post\" \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":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"episode_type":"audio","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","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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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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\u63d0\u4f9b\u6536\u5165\u652f\u4ed8\uff0c\u901a\u5e38\u5728\u5f88\u591a\u5e74\u4e4b\u5f8c\u958b\u59cb\u3002\u5ef6\u671f\u5e74\u91d1\u662f\u70ba\u9577\u671f\u5132\u84c4\u76ee\u7684\u800c\u8a2d\u8a08\u7684\u3002\u53ef\u7528\u4e00\u6b21\u6027\u8cfc\u8cb7\uff0c\u6216\u96a8\u6642\u9593\u652f\u4ed8\u9748\u6d3b\u4fdd\u8cbb\u3002\u7576\u4f60\u9700\u8981\u5f9e\u5ef6\u671f\u5e74\u91d1\u4e2d\u7372\u5f97\u6536\u76ca\u6642\uff0c\u4f60\u6703\u6709\u5f88\u591a\u9078\u64c7\u4f86\u6eff\u8db3\u4f60\u7684\u9700\u6c42\u3002 \u5ef6\u671f\u5e74\u91d1 \u4e00\u3001\u5b9a\u606f\u5e74\u91d1\uff08Fixed Interest Annuities\uff09-\u56fa\u5b9a\u5229\u7387\u8207\u4e2d\u9593\u9810\u671f\u6301\u6709\u671f-\u985e\u4f3c\u65bc\u5b58\u6b3e\u8b49\uff08Certificate Of Deposit\uff09 \u4f60\u53ef\u4ee5\u5728\u5e74\u91d1\u4e2d\u901a\u904e\u4e00\u6b21\u6027\u5b58\u6b3e\u6216\u8005\u4e00\u7cfb\u5217\u5b58\u6b3e\u3002\u5b58\u6b3e\u6309\u7167\u516c\u53f8\u898f\u5b9a\u7684\u56fa\u5b9a\u5229\u7387\u7d2f\u7a4d \u6709\u6700\u4f4e\u5229\u7387\u4fdd\u8b49 \u4f60\u53ef\u4ee5\u572859 1\/2 \u6b72\u7684\u6642\u5019\u63d0\u53d6\uff0c\u4e26\u4e14\u6c92\u6709\u53e6\u5916\u7684\u7a05\u7f70 \u6536\u5165\u53ef\u4ee5\u6301\u7e8c\u4e00\u751f\u6216\u8005\u4e00\u500b\u6307\u5b9a\u7684\u671f\u9650\uff0c\u6bd4\u598210\u5e74 \u4f60\u53ef\u4ee5\u901a\u904e\u591a\u7a2e\u65b9\u5f0f\u4f86\u63d0\u53d6\u6536\u5165 \uff08\u6bcf\u500b\u6708\uff0c\u6bcf\u500b\u5b63\u5ea6\uff0c\u6bcf\u534a\u5e74\u6216\u8005\u6bcf\u5e74\uff09 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6309\u56fa\u5b9a\u671f\u9650\u63d0\u53d6\uff0c\u6bd4\u598210\u5e74 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6301\u7e8c\u4f60\u7684\u4e00\u751f\u63d0\u53d6 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6309\u7167\u5176\u4ed6\u4eba\u7684\u751f\u547d\u671f\u9650\u4f86\u63d0\u53d6 \u56fa\u5b9a\u5e74\u91d1\u88ab\u8a8d\u70ba\u662f\u5b89\u5168\u7684\u6295\u8cc7\uff0c\u56e0\u70ba\u672c\u91d1\u662f\u7531\u767c\u884c\u4fdd\u96aa\u516c\u53f8\u64d4\u4fdd\u7684\uff0c\u4e26\u5728\u4e00\u5b9a\u9650\u984d\u5167\uff0c\u7531\u570b\u5bb6\u4fdd\u96aa\u64d4\u4fdd\u57fa\u91d1\u64d4\u4fdd\u3002 \u4e8c\u3001\u6307\u6578\u5e74\u91d1\uff08Indexed Annuities \uff09- \u53ef\u8b8a\u5229\u7387\u8207\u9577\u671f\u9810\u671f\u6301\u6709\u671f\u3002\u5229\u7387\u901a\u5e38\u8207\u80a1\u7968\u5e02\u5834\u6307\u6578\u639b\u9264\u3002 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\u7531\u65bc\u7f8e\u570b401K\u9000\u4f11\u8a08\u5283\u7684\u8cc7\u91d1\u6295\u8cc7\u65bc\u80a1\u7968\u5e02\u5834\u5360\u5230\u7e3d\u984d\u768456%\uff0c\u800c\u7f8e\u570b\u80a1\u5e02\u6709\u5982\u5750\u96f2\u5bb5\u98db\u8eca\uff0c\u6709\u6642\u751a\u81f3\u4e00\u5929\u4e4b\u5167\u66b4\u8d77\u66b4\u8dcc\u6578\u767e\u9ede\uff0c\u4e0d\u5c11\u4eba\u773c\u775c\u775c\u770b\u8457\u81ea\u5df1\u7684401K\u9000\u4f11\u8cec\u6236\u5167\u8cc7\u91d1\u5927\u5e45\u7e2e\u6c34\u3002 \u5c0d\u90a3\u4e9b\u9000\u4f11\u8005\u6216\u662f\u5df2\u5c46\u9000\u4f11\u5e74\u9f61\u7684\u4eba\uff0c\u5982\u679c\u9047\u5230\u80a1\u5e02\u5927\u8dcc\uff0c401K\u5927\u5e45\u7e2e\u6c34\uff0c\u9019\u5c07\u662f\u75db\u82e6\u7684\u6253\u64ca\u3002\u56e0\u6b64\uff0c\u60a8\u9700\u8981\u5728\u793e\u5b89\u91d1\u548c401K\u4e4b\u5916\uff0c\u6709\u5fc5\u8981\u63a1\u7d0d\u548c\u63a1\u7528\u9000\u4f11\u898f\u5283\u7684\u7406\u8ca1\u5de5\u5177\u548c\u7522\u54c1\uff0c\u4ee5\u4fdd\u8b49\u60a8\u6709\u4e00\u751f\u8db3\u5920\u7684\u9000\u4f11\u6536\u5165\u3002 1995\u5e74\uff0c\u7f8e\u570b\u7684\u4e00\u4e9b\u4fdd\u96aa\u516c\u53f8\u63a8\u51fa\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\uff0c2008\u5e74\u9019\u7a2e\u5e74\u91d1\u958b\u59cb\u66b4\u7d05\uff0c\u56e0\u70ba\u80a1\u5e02\u72c2\u7009\uff0c\u800c\u5b83\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c\u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500 \u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\uff0c\u65e2\u53ef\u4eab\u53d7\u80a1\u5e02\u5927\u6f32\u6642\u4f60\u7372\u5f97\u8f03\u9ad8\u56de\u5831\u7684\u597d\u8655\uff0c\u53c8\u907f\u514d\u80a1\u5e02\u4e0b\u8dcc\u6642\u4f60\u7684\u640d\u5931\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\uff0c\u4e0d\u5fc5\u6d6a\u8cbb\u7cbe\u529b\uff0c\u4e0d\u5fc5\u627f\u64d4\u98a8\u96aa\uff0c\u8ca1\u5bcc\u7a69\u5b9a\u52a0\u500d\u6210\u9577\u3002 \u5728\u6536\u5165\u8f03\u4f4e\u7684\u5b9a\u671f\u5b58\u6b3e\u548c\u6536\u5165\u8f03\u9ad8\u4f46\u98a8\u96aa\u5f88\u5927\u7684\u80a1\u7968\u5e02\u5834\u4e4b\u9593\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f4d\u65bc\u4e2d\u9593\uff0c\u65e2\u80fd\u8cfa\u9322\u53c8\u4e0d\u6703\u8667\u672c\uff0c\u5c6c\u65bc\u4fdd\u5b88\u578b\u6295\u8cc7\u3002\u5c0d\u65bc\u8655\u65bc\u5e02\u5834\u52d5\u8569\u4e4b\u4e2d\uff0c\u9700\u8981\u5275\u9020\u7a69\u5b9a\u548c\u5b89\u5168\u6027\u4f46\u53c8\u4e0d\u60f3\u932f\u904e\u5e02\u5834\u53cd\u5f48\u6642\u6f5b\u5728\u7684\u672a\u4f86\u6536\u76ca\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8003\u616e\u8cfc\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u662f\u7d55\u4f73\u7684\u9078\u64c7\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u7d93\u6210\u70ba\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7684\u4e00\u7a2e\u53d7\u6b61\u8fce\u7684\u91d1\u878d\u5de5\u5177\u3002 \u5e74\u91d1\u662f\u4e00\u500b\u5927\u5bb9\u5668\uff0c\u53ef\u4ee5\u628aqualified\u8a08\u5283\uff0c\u5982401K \u3001403B \u3001TSP\u3001\u50b3\u7d71IRA\u6216SEP IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B\u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002 \u5e74\u91d1\u7684\u4e5d\u5927\u512a\u52e2\uff1a \u4e00\u3001 \u7701\u5fc3\u3001\u5b89\u5fc3\uff1a\u898f\u907f\u98a8\u96aa\uff0c\u7121\u9700\u6280\u8853\u7ba1\u7406\uff0c\u514d\u537b\u4e00\u5207\u7169\u60f1\u3001\u6182\u616e\u3002\u4fdd\u8b49\u751f\u6d3b\u8cea\u91cf\u3001\u4fdd\u8b49\u5065\u5eb7\u3002 \u4e8c\u3001\u6536\u76ca\u9060\u9ad8\u65bc\u4e00\u822c\u6295\u8cc7\u5229\u7387\uff1a\u5982\u5132\u84c4\u50b5\u5238\uff0c\u5132\u84c4\u5e33\u6236\u3001\u5b9a\u671f\u5b58\u6b3e\u3001\u652f\u7968\u6236\u53e3\u7b49\u3002 \u4e09\u3001\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u53ef\u96a8\u6642\u52a0\u5165\uff1a\u7121\u9700\u50cf\u80a1\u5e02\u9078\u64c7\u6642\u6a5f\u5165\u5834\uff0c\u9ede\u5230\u9ede\u8a08\u7b97\u5229\u76ca\u6240\u5f97\u3002 \u56db\u3001\u9060\u9060\u512a\u52dd\u65bc\u793e\u5b89\u91d1\uff1a\u9818\u53d6\u793e\u5b89\u91d1\u5e74\u9f61\u88ab\u4e00\u518d\u63a8\u9072\uff0c\u800c\u4e14\u6839\u672c\u4e0d\u8db3\u4ee5\u652f\u4ed8\u65e5\u5e38\u8cbb\u7528\u3002\u60f3\u64c1\u6709\u7f8e\u6eff\u9000\u4f11\u751f\u6d3b\uff0c\u8cfa\u53d6\u984d\u5916\u9000\u4f11\u91d1\uff0c\u5e74\u91d1\u662f\u6700\u53ef\u9760\u7684\u9078\u64c7\u3002 \u4e94\u3001\u5bb6\u5ead\u4fdd\u969c\uff1a\u7576\u5e74\u91d1\u6301\u6709\u4eba\u4e0d\u5e78\u4eba\u65e9\u8d70\u4e86\uff0c\u4e5f\u662f\u6309\u73fe\u91d1\u8cec\u6236(Account Value)\u9918\u4e0b\u7684\u9322\u7d66\u4e88\u53d7\u76ca\u4eba\u3002 \u516d\u3001\u78ba\u4fdd\u7d42\u751f\u9000\u4f11\u91d1\u7684\u4f86\u6e90\uff1a\u7d42\u751f\u990a\u8001\u91d1\uff0c\u6c38\u9060\u7528\u4e0d\u5b8c\u3002\u8d8a\u9818\u8d8a\u9ad8\uff0c\u6709\u6548\u62b5\u79a6\u901a\u8ca8\u81a8\u8139\u3002 \u4e03\u3001\u6bcf\u5e74\u4fdd\u8b49\u4e0d\u8667\u640d\uff1a\u672c\u91d1\u4fdd\u8b49\u53ca\u6700\u4f4e\u8ff4\u5831\u3002\u6307\u6578\u4e0a\u5347\u6642\u53ef\u8cfa\uff0c\u6307\u6578\u4e0b\u964d\u6642\u672c\u5229\u9396\u5b9a\uff1b\u96f6\u98a8\u96aa\uff08\u7121\u8ad6\u6307\u6578\u4e0b\u8dcc\u3001\u80a1\u5e02\u4e0b\u8dcc\uff0c\u90fd\u4e0d\u6703\u8667\u640d\uff09\u3002 \u516b\u3001\u5ef6\u7a05\u53ca\u5fa9\u5229\uff1a\u672c\u91d1\u3001\u7d05\u5229\uff08\u53ef\u9ad8\u905420%-25%\uff09\uff0c\u8207\u6240\u8cfa\u5229\u606f\u8907\u5229\u8a08\u7b97\uff0c\u5373\u5229\u6efe\u5229\u3002 \u4e5d\u3001\u4fdd\u96aa\u516c\u53f8\u6bd4\u9280\u884c\u66f4\u53ef\u4fe1\uff1a\u81ea2008\u5e74\u91d1\u878d\u6d77\u562f\uff0c\u7f8e\u570b\u5171\u6709525\u5bb6\u9280\u884c\u5012\u9589\uff0c\u537b\u6c92\u6709\u4efb\u4f55\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u5012\u9589\u3002 \u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\uff0c\u672c\u91d1\u7559\u5b50\u5b6b\uff0c\u4f9b\u53c3\u8003\uff1a \u8209\u4f8b\uff1a\u6797\u5148\u751f\uff0c54\u6b72\uff0c\u4ed6\u4f4f\u5728\u99ac\u91cc\u862d\u5dde\uff0c\u4ed6\u524d\u516c\u53f8\u7684401K\u5167\u7684\u8cc7\u91d1\u7d04\u670960\u842c\u7f8e\u5143\uff0c\u4ed6\u5e0c\u671b\u64c1\u6709\u4e00\u4efd\u5e74\u91d1\u8a08\u5283\u662f\u6ce8\u91cd\u73fe\u91d1\u8cec\u6236(account value) \u7684\u7a4d\u7d2f\u548c\u589e\u9577\uff0c\u53ea\u6f32\u4e0d\u8dcc\uff0c\u4e0d\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\uff0c\u7576\u80a1\u5e02\u5347\u7684\u6642\u5019\uff0c\u4e5f\u80fd\u53c3\u8207\u589e\u9577\uff0c \u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\u7528\u3002 \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount 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