{"id":99627,"date":"2015-03-22T13:58:46","date_gmt":"2015-03-22T20:58:46","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=99627"},"modified":"2015-03-19T10:09:49","modified_gmt":"2015-03-19T17:09:49","slug":"%e6%85%88%e6%bf%9f%e6%b5%b7%e5%a4%96%e6%8a%95%e8%b3%87-%e7%be%8e%e5%9c%8b%e7%b8%bd%e6%9c%83%e5%86%8d%e8%aa%aa%e6%98%8e","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2015\/03\/22\/%e6%85%88%e6%bf%9f%e6%b5%b7%e5%a4%96%e6%8a%95%e8%b3%87-%e7%be%8e%e5%9c%8b%e7%b8%bd%e6%9c%83%e5%86%8d%e8%aa%aa%e6%98%8e\/","title":{"rendered":"\u6148\u6fdf\u6d77\u5916\u6295\u8cc7 \u7f8e\u570b\u7e3d\u6703\u518d\u8aaa\u660e"},"content":{"rendered":"<p>\u6148\u6fdf\u6d77\u5916\u6295\u8cc7\u5f15\u767c\u722d\u8b70\uff0c\u6148\u6fdf\u7f8e\u570b\u7e3d\u6703\u526f\u57f7\u884c\u9577\u845b\u6fdf\u6368\u4eca\u5929\u518d\u5ea6\u5728\u81c9\u66f8\u4e0a\u8aaa\u660e\uff0c\u5f37\u8abf\u82e5\u6709\u4e0d\u9069\u5b9c\u7684\u6301\u80a1\uff0c\u6703\u63d0\u9192\u7406\u5c08\u7acb\u5373\u8655\u7406\uff0c\u5c0d\u65bc\u9020\u6210\u8aa4\u89e3\uff0c\u4ed6\u4e5f\u81f4\u4e0a\u6700\u6df1\u7684\u6b49\u610f\u3002<!--more--><\/p>\n<p>\u845b\u6fdf\u6368\u4eca\u5929\u5728\u81c9\u66f8\u4e0a\u518d\u5ea6\u8aaa\u660e\u6148\u6fdf\u6d77\u5916\u6295\u8cc7\u60c5\u6cc1\uff0c\u4ed6\u8aaa\uff0c\u7576\u521d\u53ea\u662f\u89ba\u5f97\u6d41\u52d5\u8cc7\u7522\u653e\u5728\u9280\u884c\u5229\u606f\u592a\u4f4e\uff0c\u6703\u88ab\u901a\u8ca8\u81a8\u8139\u5543\u566c\uff0c\u6240\u4ee5\u6c7a\u5b9a\u505a\u7406\u8ca1\u898f\u756b\uff0c\u4e26\u5728\u5f97\u5230\u57f7\u884c\u9577\u540c\u610f\uff0c\u8a0e\u8ad6\u51fa\u6295\u8cc7\u6e96\u5247\u5f8c\uff0c\u5f97\u5230\u8463\u4e8b\u6703\u7684\u540c\u610f\u8207\u6388\u6b0a\uff0c\u624d\u958b\u59cb\u57f7\u884c\u3002<\/p>\n<p>\u5c0d\u65bc\u6295\u8cc7\u6e96\u5247\uff0c\u845b\u6fdf\u6368\u8aaa\uff0c\u4e0d\u6295\u8cc7\u55ae\u4e00\u500b\u80a1\uff0c\u53ea\u6295\u8cc7\u5b9a\u5b58\u3001\u548c\u50b5\u5238\u57fa\u91d1\u70ba\u4e3b\uff0c\u80a1\u7968\u57fa\u91d1\u4e0d\u53ef\u8d85\u904e50%\uff0c\u4ee5\u6a19\u6e96\u666e\u723e500\u6307\u6578\u70ba\u6295\u8cc7\u6a19\u7684\u5927\u578b\u5171\u540c\u57fa\u91d1\u70ba\u4e3b\uff0c\u9577\u671f\u6301\u6709\uff0c\u6bcf3\u500b\u6708\u6703\u7531\u7406\u5c08\u5831\u544a\u6210\u6548\uff0c\u4e26\u8a0e\u8ad6\u5982\u4f55\u8abf\u6574\u6295\u8cc7\u7d44\u5408\uff0c\u6bcf\u5e74\u4e5f\u6703\u5411\u8463\u4e8b\u6703\u5831\u544a\u3002<\/p>\n<p>\u845b\u6fdf\u6368\u5f37\u8abf\uff0c\u7576\u5e74\u7684\u6295\u8cc7\u7d44\u5408\u6709\u5b9a\u5b58\u3001\u5169\u500b\u4f4e\u98a8\u96aa\u7684\u50b5\u5238\u57fa\u91d1\u4ee5\u53ca\u6301\u6709\u5169\u500b\u5927\u578b\u516c\u53f8\u7684\u57fa\u91d1\uff0c\u800c\u9020\u6210\u8aa4\u6703\u4e3b\u8981\u662f\u9644\u4ef6\u5831\u8868\u7684\u80a1\u7968\u9032\u51fa\u6b04\u4f4d\uff0c\u662f\u8a72\u57fa\u91d1\u6240\u505a\u7684\u80a1\u7968\u8cb7\u8ce3\u64cd\u4f5c\uff0c\u4e26\u975e\u6148\u6fdf\u5728\u64cd\u4f5c\u500b\u80a1\u3002<\/p>\n<p>\u81f3\u65bc\u57fa\u91d1\u4e2d\u7684\u50b5\u5238\u77ed\u671f\u51fa\u5165\uff0c\u845b\u6fdf\u6368\u4e5f\u8868\u793a\uff0c\u8a72\u57fa\u91d1\u662f\u73fe\u91d1\u5e02\u5834\u57fa\u91d1\uff0c\u53ea\u662f\u505a\u70ba\u5404\u57fa\u91d1\u5e33\u6236\u7684\u4e2d\u8f49\u5e33\u6236\uff0c\u505a\u70ba\u73fe\u91d1\u6d41\u52d5\u7684\u4e2d\u8f49\u5e33\u6236\uff0c\u56e0\u6b64\u5fc5\u5b9a\u6709\u77ed\u671f\u7684\u9032\u51fa\u3002<\/p>\n<p>\u845b\u6fdf\u6368\u4e5f\u8aaa\uff0c\u7576\u5e74\u6c92\u6709\u8003\u91cf\u5468\u5168\uff0c\u4ee5\u5f8c\u6703\u66f4\u52a0\u6ce8\u610f\uff0c\u5982\u679c\u6709\u4e0d\u5408\u5b9c\u7684\u6301\u80a1\uff0c\u6703\u63d0\u9192\u7406\u5c08\u7acb\u5373\u8655\u7406\uff1b\u540c\u6642\u65e9\u57283\u5e74\u524d\u5c31\u4e0d\u6301\u6709\u80a1\u7968\u57fa\u91d1\uff0c\u5c0d\u65bc\u500b\u4eba\u7684\u758f\u5ffd\u800c\u9020\u6210\u8aa4\u89e3\uff0c\u4ed6\u4e5f\u5411\u5927\u773e\u81f4\u4e0a\u6700\u6df1\u7684\u6b49\u610f\u3002<\/p>\n<p>\u4e2d\u592e\u793e<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"news\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1427032726\"\r\n\t            data-title=\"\u6148\u6fdf\u6d77\u5916\u6295\u8cc7 \u7f8e\u570b\u7e3d\u6703\u518d\u8aaa\u660e\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u6148\u6fdf\u6d77\u5916\u6295\u8cc7\u5f15\u767c\u722d\u8b70\uff0c\u6148\u6fdf\u7f8e\u570b\u7e3d\u6703\u526f\u57f7\u884c\u9577\u845b\u6fdf\u6368\u4eca\u5929\u518d\u5ea6\u5728\u81c9\u66f8\u4e0a\u8aaa\u660e\uff0c\u5f37\u8abf\u82e5\u6709\u4e0d\u9069\u5b9c\u7684\u6301\u80a1\uff0c\u6703\u63d0\u9192\u7406\u5c08\u7acb\u5373\u8655\u7406\uff0c\u5c0d\u65bc\u9020\u6210\u8aa4\u89e3\uff0c\u4ed6\u4e5f\u81f4\u4e0a\u6700\u6df1\u7684\u6b49\u610f\u3002<\/p>\n","protected":false},"author":1001011,"featured_media":99628,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","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},"categories":[131],"tags":[],"series":[],"class_list":["post-99627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"aioseo_notices":[],"featured_image_urls":{"thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/03\/605140852451539-150x150.jpg","medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/03\/605140852451539-300x225.jpg","large":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/03\/605140852451539-600x450.jpg","single_img":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/03\/605140852451539-150x150.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/03\/605140852451539.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=\"IPNlfWkill\"><a href=\"https:\/\/newsforchinese.com\/v3\/2015\/03\/22\/%e6%85%88%e6%bf%9f%e6%b5%b7%e5%a4%96%e6%8a%95%e8%b3%87-%e7%be%8e%e5%9c%8b%e7%b8%bd%e6%9c%83%e5%86%8d%e8%aa%aa%e6%98%8e\/\">\u6148\u6fdf\u6d77\u5916\u6295\u8cc7 \u7f8e\u570b\u7e3d\u6703\u518d\u8aaa\u660e<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2015\/03\/22\/%e6%85%88%e6%bf%9f%e6%b5%b7%e5%a4%96%e6%8a%95%e8%b3%87-%e7%be%8e%e5%9c%8b%e7%b8%bd%e6%9c%83%e5%86%8d%e8%aa%aa%e6%98%8e\/embed\/#?secret=IPNlfWkill\" width=\"500\" height=\"350\" title=\"&#8220;\u6148\u6fdf\u6d77\u5916\u6295\u8cc7 \u7f8e\u570b\u7e3d\u6703\u518d\u8aaa\u660e&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"IPNlfWkill\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\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\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/03\/605140852451539.jpg","jetpack-related-posts":[{"id":142394,"url":"https:\/\/newsforchinese.com\/v3\/2017\/08\/12\/%e7%9c%81%e7%a8%85%e6%94%b6%e5%85%a5%e7%9a%84%e6%8a%95%e8%b3%87%e7%ad%96%e7%95%a5\/","url_meta":{"origin":99627,"position":0},"title":"\u7701\u7a05\u6536\u5165\u7684\u6295\u8cc7\u7b56\u7565","author":"Raymond","date":"August 12, 2017","format":false,"excerpt":"2017\u5e74\uff0c\u8f49\u773c\u53c8\u9032\u5165\u516b\u6708\u4efd\uff0c\u904e\u53bb\u4e00\u6bb5\u65e5\u5b50\uff0c\u7531\u65bc\u7f8e\u570b\u3001\u6cd5\u570b\u3001\u5357\u97d3\uff0c\u751a\u81f3\u4f0a\u90ce\u7b49\u570b\u5bb6\uff0c\u90fd\u76f8\u7e7c\u6709\u65b0\u7684\u7e3d\u7d71\u4e0a\u4efb\u3002\u5317\u7f8e\uff0c\u6b50\u6d32\uff0c\u4e2d\u6771\u52a0\u4e0a\u4e9e\u6d32\uff0c\u5728\u653f\u6cbb\u4e0a\u4e00\u5b9a\u6703\u6709\u591a\u5c11\u7684\u8b8a\u52d5\u548c\u8abf\u6574\uff0c\u6216\u591a\u6216\u5c11\u5c0d\u6295\u8cc7\u74b0\u5883\uff0c\u80a1\u7968\u57fa\u91d1\u5e02\u5834\u6709\u6240\u885d\u64ca\u3002\u7576\u7136\u5927\u591a\u6578\u7684\u6295\u8cc7\u8005\u90fd\u6709\u6b63\u9762\u7684\u671f\u671b\u3002\u4f46\u6709\u7d93\u9a57\u7684\u6295\u8d44\u8005\u5fc5\u7136\u4f5c\u4fdd\u8b77\u7684\u7b56\u7565\uff0c\u4ee5\u514d\u6295\u8cc7\u7d93\u4e0d\u8d77\u5927\u5e45\u7684\u4e0a\u843d\u3002\u5728\u7f8e\u570b\u793e\u6703\u88e1\uff0c\u4e00\u500b\u771f\u5be6\u7684\u60c5\u6cc1\uff0c\u5168\u570b\u7684\u9000\u4f11\u5e33\u6236\u52a0\u8d77\u7684\u6295\u8cc7\u91d1\u984d25\u842c\u5104\u7f8e\u5143\uff1d$25,000,000,000,000\u3002\u6240\u4ee5\u5f88\u591a\u7f8e\u570b\u4eba\u90fd\u64c1\u6709\u4e0d\u540c\u985e\u5f62\u7684\u9000\u4f11\u5e33\u6236 \uff0c\u4f8b\u5982\uff1a401k, 403b, 457, Pension, SEP, IRA, Roth IRA\u7b49\u7b49\u3002\u9000\u4f11\u5e33\u6236\u7684\u6295\u8d44\u8005\uff0c\u90fd\u9700\u8981\u9069\u7576\u6642\u5019\u8abf\u6574\u4f60\u7684\u6295\u8cc7\u7b56\u7565\uff0c\u7d76\u5c0d\u4e0d\u80fd\u4e00\u6210\u4e0d\u8b8a\u3002 \u5927\u591a\u6578\u6e96\u5099\u9000\u4f11\u548c\u5df2\u9000\u4f11\u7684\u4eba\u58eb\uff0c\u90fd\u671f\u671b\u5728\u9000\u4f11\u6642\u5019\uff0c\u5728\u6295\u8cc7\u4e0a\u5fc5\u5b9a\u9078\u64c7\u8f03\u70ba\u7a69\u5065\u7684\u6295\u8cc7\u7b56\u7565\u3002\u4ed6\u5011\u4e0d\u518d\u60f3\u5728\u6295\u8cc7\u4e0a\u592a\u5192\u96aa\u548c\u592a\u9032\u53d6\u3002\u56e0\u4ed6\u5011\u5df2\u5f9e\u5168\u8077\u5de5\u4f5c\u9000\u4e0b\u4f86\uff0c\u597d\u597d\u8a08\u5283\u4eab\u53d7\u4eba\u751f\uff0c\u5229\u7528\u904e\u5f80\u52e4\u52de\u7d2f\u7a4d\u7684\u9000\u4f11\u548c\u6295\u8cc7\u5e33\u6236\uff0c\u8d81\u81ea\u5df1\u5065\u58ef\u6642\u591a\u51fa\u5916\u65c5\u904a\uff0c\u9664\u6b64\u4e4b\u5916\uff0c\u4e0d\u7e7c\u6539\u5584\u751f\u6d3b\u8cea\u7d20\uff0c\u63d0\u9ad8\u8eab\u9ad4\u7684\u5065\u5eb7\u6c34\u5e73\uff0c\u904e\u4e00\u500b\u7121\u6182\u7121\u616e\u7684\u9000\u4f11\u751f\u6d3b\u3002\u6240\u4ee5\u4ed6\u5011\u6703\u4ed4\u7d30\u8003\u616e\uff0c\u9078\u64c7\u67d0\u4e9b\u6295\u8cc7\u7b56\u7565\uff0c\u80fd\u5920\u8f14\u52a9\u4ed6\u5011\u80fd\u4e0d\u64d4\u5fc3\u6295\u8cc7\u5e02\u5834\u7684\u5927\u5e45\u6ce2\u52d5\uff0c\u53cd\u63d0\u4f9b\u6bcf\u5e74\u6bcf\u6708\u7a69\u5b9a\u6295\u8cc7\u6536\u5165\uff0c\u9019\u662f\u6700\u7406\u60f3\u4e0d\u904e\u4e86\u3002 \u5728\u7f8e\u570b\u9664\u4e86\u6295\u8cc7\u80a1\u7968\u3001\u5171\u540c\u57fa\u91d1\u3001\u50b5\u5238\u5916\uff0c\u5176\u5be6\u9084\u6709\u5f88\u591a\u6295\u8cc7\u7684\u7523\u54c1\u548c\u7b56\u7565\u4f9b\u6295\u8cc7\u8005\u53c3\u8207\uff0c\u5176\u4e2d\u7a31\u70ba\u300c\u53e6\u985e\u6295\u8cc7\u300dAlternative Investments\uff0c\u6b64\u985e\u6295\u8cc7\u7523\u54c1\uff0c\u5728\u7f8e\u570b\u767b\u8a18\u8a3b\u518a\u7684\u6295\u8cc7\u9805\u76ee\uff0c\u53ea\u4e0d\u904e\u9019\u4e9b\u6295\u8cc7\u7d44\u5408\u6216\u7523\u54c1\uff0c\u4e26\u4e0d\u662f\u6240\u6709\u5728\u8cc7\u672c\u5e02\u5834\u6d41\u901a\u4ea4\u6613\u3002\u5927\u591a\u6709\u98a8\u96aa\u5c0d\u6c96\u6a5f\u5236\u3002\u56e0\u6b64\u6295\u8cc7\u5e02\u5834\u6ce2\u52d5\u4e0d\u5927\uff0c\u6295\u8cc7\u5e02\u503c\u8f03\u70ba\u7a69\u5b9a\u3002 \u300c\u53e6\u985e\u6295\u8cc7\u300d\u64c1\u6709\u4e0d\u540c\u985e\u5225\u7684\u7523\u54c1\uff0c\u5176\u4e2d\u6709\u672a\u4e0a\u5e02\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u4fe1\u8a17Real Estate Investment Trust\uff0c\u4ee5\u53ca\u5546\u696d\u767c\u5c55\u516c\u53f8Business Development Company\u3002\u4ee5\u4e0a\u4e24\u9805\u6295\u8cc7\u7523\u54c1\uff0c\u53ef\u5e6b\u52a9\u6295\u8cc7\u8005\uff0c\u9000\u4f11\u4eba\u58eb\uff0c\u5c0d\u6297\u80a1\u5e02\u57fa\u91d1\u5e02\u5834\u7684\u6ce2\u52d5\u4e0d\u7a69\uff0c\u53ca\u63d0\u4f9b\u6295\u8cc7\u8005\u56fa\u5b9a\u7684\u6536\u5165\u548c\u672c\u91d1\u7684\u5347\u503c\u3002\u4e0d\u540c\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u904e\u5f80\u548c\u73fe\u6642\u90fd\u7a69\u5b9a\u7684\u6d3e\u767c\u5e74\u606f\uff0c\u75316%\u81f38%\u4e0d\u7b49\uff0c\u4e26\u4e14\u6295\u8cc7\u672c\u91d1\u9084\u6709\u5f37\u5927\u589e\u503c\u7684\u6f5b\u529b\u3002 \u53e6\u4e00\u7a2e\u53e6\u985e\u6295\u8cc7\uff0c\u5c31\u662f\u83ef\u4eba\u71b1\u611b\u672a\u4e0a\u5e02\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u4fe1\u8a17(Non-Traded Real Estate Investment Trust, REIT)\uff0c\u4e0d\u540c\u7684\u6295\u8cc7\u7d44\u5408\u57fa\u91d1\uff0c\u6703\u9078\u5b9a\u5546\u696d\u7269\u696d\u7684\u985e\u5225\uff0c\u4f8b\u5982\uff1a\u9ad8\u7d1a\u5beb\u5b57\u6a13\uff0c\u5de5\u696d\u7269\u696d\uff0c\u6578\u64da\u4e2d\u5fc3\uff0c\u91ab\u7642\u8b77\u7406\u7269\u696d\uff0c\u65e5\u7528\u54c1\u5e02\u5834\u7269\u696d\uff0c\u81ea\u52a9\u5132\u5b58\u5009\u5eab\u7269\u696d\uff0c\u9ad8\u7d1a\u5927\u578b\u67cf\u6587\u7269\u696d\u7b49\u7b49\u3002\u5168\u90e8\u8cfc\u5165\u7684\u5546\u696d\u7269\u696d\uff0c\u9023\u79df\u7d04\u8cfc\u8cb7\u4e0b\u4f86\uff0c\u5927\u591a\u6578\u5269\u9918\u7684\u79df\u7d04\u8d85\u904e\u5341\u5e74\u4ee5\u4e0a\uff0c\u6240\u6709\u79df\u7d04\u90fd\u9644\u6709\u6bcf\u5e74\u79df\u91d1\u7684\u8abf\u5347\u767e\u5206\u6bd4\u3002\u4e0d\u540c\u6295\u8cc7\u7d44\u5408\u5e73\u5747\u6d3e\u767c\u5e74\u5229\u7387\uff1a6-7%\u4e0d\u7b49\u3002\u9019\u6a23\u80fd\u7d66\u6295\u8cc7\u8005\u6709\u56fa\u5b9a\u7684\u6bcf\u6708\u6536\u5165\uff0c\u7279\u5225\u5c0d\u9000\u4f11\u5e33\u6236\u7684\u6295\u8cc7\u8005\uff0c\u975e\u5e38\u6eff\u8db3\u4ed6\u5011\u6bcf\u5e74\u6bcf\u6708\u5f9e\u9000\u4f11\u5e33\u6236\u63d0\u53d6\u7a69\u5b9a\u5229\u606f\u6536\u5165\u3002 \u7279\u5225\u63a8\u85a6\u6295\u8cc7\u8005\u975e\u5e38\u7279\u5225\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u7d44\u5408\uff0c\u662f\u5305\u542b\u6578\u64da\u4e2d\u5fc3\u548c\u91ab\u7642\u8b77\u7406\u4e24\u7a2e\u71b1\u9580\u5546\u696d\u7269\u696d\uff0c\u6578\u64da\u4e2d\u5fc3\u53ef\u4ee5\u8aaa\u662f\u73fe\u4ee3\u793e\u6703\u4e0d\u80fd\u7f3a\u5c11\u7684\u5546\u696d\u7269\u696d\uff0c\u7531\u653f\u5e9c\uff0c\u4e16\u754c\u4f01\u696d\uff0c\u6578\u4e0d\u51fa\u7684\u5c64\u9762\uff0c\u90fd\u9700\u8981\u6578\u64da\u4e2d\u5fc3\u5132\u5b58\u7121\u9650\u91cf\u7684\u6578\u64da\uff0c\u53ea\u6709\u4e0d\u7e7c\u9700\u6c42\uff0c\u5b8c\u5168\u6c92\u6709\u6e1b\u5c11\u7684\u6a5f\u6703\u3002\u81f3\u65bc\u91ab\u7642\u8b77\u7406\u7269\u696d\uff0c\u5927\u5bb6\u90fd\u77e5\u9053\u5e74\u9577\u9000\u4f11\u4eba\u58eb\u7684\u52a0\u5287\u589e\u52a0\uff0c\u4e00\u6a23\u662f\u53ea\u6709\u589e\u52a0\uff0c\u6c92\u6709\u6e1b\u5c11\u3002 \u9019\u9805\u4e24\u7a2e\u7279\u5225\u7269\u696d\u7684\u6295\u8cc7\u57fa\u91d1\uff0c\u73fe\u6642\u56fa\u5b9a\u6d3e\u606f7.11%\uff0c\u6295\u8cc7\u8005\u4e0d\u55ae\u6b62\u7372\u5f97\u6bcf\u6708\u7a69\u5b9a\u7684\u6d3e\u606f\u6536\u5165\uff0c\u800c\u5169\u7a2e\u7279\u5225\u7269\u696d\u7684\u5927\u5e45\u5347\u503c\u6307\u65e5\u53ef\u5f85\u3002\u5c0d\u65bc\u73fe\u91d1\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8fd8\u6709\u6295\u8d44\u6d3e\u606f\u7684\u7a05\u52d9\u512a\u60e0\uff0c\u6bcf\u5e74\u7372\u53d6\u5229\u606f\u56de\u5831\uff0c\u4e26\u4e0d\u9700\u8981\u767e\u4efd\u767e\u7533\u5831\u5165\u606f\u7a05\uff0c\u53ef\u4ee5\u7372\u5f9750%\u7684\u7a05\u52d9\u6298\u820a\u512a\u60e0\u3002\u7531\u65bc\u6b64\u6295\u8cc7\u57fa\u91d1\u5df2\u5b9a\u65bc\u5341\u4e00\u6708\u521d\u622a\u6b62\u6295\u8cc7\uff0c\u6b61\u8fce\u67e5\u8a62\u6295\u8d44\u7d44\u5408\u8a73\u60c5\u3002 \u5bcc\u90a6\u6295\u8cc7\uff0c\u662f\u52a0\u5dde\u8a3b\u518a\u6295\u8d44\u9867\u554fRegistered Investment Advisor\u7684\u516c\u53f8\uff0c\u7531\u8c50\u5bcc\u7d93\u9a57Alfred Chan\u9673\u555f\u5149\u5148\u751f\uff0c\u53ca\u7531\u4ed6\u9818\u5c0e\u7684\u8c50\u5bcc\u7d93\u9a57\u6295\u8cc7\u5718\u968a\uff0c\u5c08\u70ba\u6295\u8cc7\u8005\u91cf\u8eab\u8a02\u9020\u7684\u4e0d\u540c\u6295\u8cc7\u7b56\u7565\u548c\u7523\u54c1\uff0c\u4e26\u4e0d\u6536\u53d6\u6295\u8cc7\u7d44\u5408\u516c\u53f8\u7684\u4f63\u91d1\uff0c\u5728\u672c\u516c\u53f8\u7684\u4efb\u4f55\u6295\u8cc7\u898f\u5283\uff0c\u5168\u90e8\u662f\u6536\u53d6\u7ba1\u7406\u8cbb\u7528\uff0c\u91cd\u9ede\u4ee5\u6295\u8cc7\u5ba2\u6236\u7684\u5229\u76ca\u4e3a\u81f3\u4e0a\u3002\u5bcc\u90a6\u6295\u8cc7\u5728\u7063\u5340\u6709\u4e09\u500b\u8fa6\u516c\u5ba4\uff0c\u5206\u4f48Burlingame\u5e02\uff0c\u4e09\u85e9\u5e02\u53ca\u5c4b\u5d19\u5e02\u3002\u5229\u4fbf\u6295\u8cc7\u8005\u5b89\u6392\u7d04\u8ac7\uff0c\u8f14\u52a9\u4f60\u5efa\u7acb\u81f4\u5bcc\u7684\u6295\u8cc7\u7b56\u7565\u3002\u96fb\u8a71\uff1a888-991-3833 \u3008\u6295\u8cc7\u7d44\u5408\u6709\u6295\u8cc7\u4ecb\u7ecd\u6587\u672c\uff0c\u904e\u53bb\u6536\u76ca\u4e0d\u4ee3\u8868\u672a\u6765\u8868\u73fe\uff0c\u6295\u8cc7\u8005\u5fc5\u987b\u8a73\u7ec6\u67e5\u95b2\uff0c\u4e86\u89e3\u6295\u8cc7\u98a8\u96aa\uff0c\u9748\u6d3b\u6027\uff0c\u8d44\u7523\u8981\u6c42\uff0c\u6295\u8cc7\u7d93\u9a57\uff0c\u6295\u8cc7\u6642\u9593\uff0c\u7ba1\u7406\u8cbb\u7528\uff0c\u518d\u4f5c\u6295\u8cc7\u6c7a\u5b9a\u3009","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":138723,"url":"https:\/\/newsforchinese.com\/v3\/2017\/05\/28\/%e6%b2%92%e6%9c%89%e7%ae%a1%e7%90%86%e7%85%a9%e6%83%b1%e7%9a%84%e6%88%bf%e5%9c%b0%e7%94%a3%e6%8a%95%e8%b3%87\/","url_meta":{"origin":99627,"position":1},"title":"\u6c92\u6709\u7ba1\u7406\u7169\u60f1\u7684\u623f\u5730\u7523\u6295\u8cc7","author":"Raymond","date":"May 28, 2017","format":false,"excerpt":"2017\u5e74\u5df2\u904e\u4e86\u4e94\u500b\u6708\uff0c\u7531\u65bc\u7f8e\u570b\uff0c\u6cd5\u570b\uff0c\u5357\u97d3\uff0c\u751a\u81f3\u4f0a\u90ce\u7b49\u570b\u5bb6\uff0c\u90fd\u76f8\u7e7c\u6709\u65b0\u7684\u7e3d\u7d71\u4e0a\u4efb\u3002\u7b49\u65bc\u7531\u5317\u7f8e\uff0c\u6b50\u6d32\uff0c\u4e2d\u6771\u52a0\u4e0a\u4e9e\u6d32\uff0c\u5728\u653f\u6cbb\u4e0a\u4e00\u5b9a\u6703\u6709\u591a\u5c11\u7684\u8b8a\u52d5\u548c\u8abf\u6574\uff0c\u6216\u591a\u6216\u5c11\u5c0d\u6295\u8cc7\u74b0\u5883\uff0c\u80a1\u7968\u57fa\u91d1\u5e02\u5834\u6709\u6240\u885d\u64ca\u3002\u7576\u7136\u5927\u591a\u6578\u7684\u6295\u8cc7\u8005\u90fd\u6709\u6b63\u9762\u7684\u671f\u671b\u3002\u4f46\u6709\u7d93\u9a57\u7684\u6295\u8d44\u8005\u5fc5\u7136\u4f5c\u4fdd\u8b77\u7684\u7b56\u7565\uff0c\u4ee5\u514d\u6295\u8d44\u7d93\u4e0d\u8d77\u5927\u5e45\u7684\u4e0a\u843d\u3002\u5728\u7f8e\u570b\u793e\u6703\u88e1\uff0c\u4e00\u500b\u771f\u5be6\u7684\u60c5\u6cc1\uff0c\u5168\u570b\u7684\u9000\u4f11\u5e33\u6236\u52a0\u8d77\u7684\u6295\u8cc7\u91d1\u984d25\u842c\u5104\u7f8e\u5143\uff1d$25,000,000,000,000\u3002\u6240\u4ee5\u5f88\u591a\u7f8e\u570b\u4eba\u90fd\u64c1\u6709\u4e0d\u540c\u985e\u5f62\u7684\u9000\u4f11\u5e33\u6236 \uff0c\u4f8b\u5982\uff1a401k, 403b, 457, Pension, SEP, IRA, Roth IRA\u7b49\u7b49\u3002\u9000\u4f11\u5e33\u6236\u7684\u6295\u8d44\u8005\uff0c\u90fd\u9700\u8981\u9069\u7576\u6642\u5019\u8abf\u6574\u4f60\u7684\u6295\u8cc7\u7b56\u7565\uff0c\u7d76\u5c0d\u4e0d\u80fd\u4e00\u6210\u4e0d\u8b8a\uff0c\u5426\u5247\u61c9\u8b8a\u6295\u8cc7\u74b0\u5883\u7684\u8b8a\u5316\u6ce2\u52d5\u3002 \u80a1\u5e02\u82e5\u6c92\u6709\u591a\u5927\u8b8a\u52d5\uff0c\u6295\u8cc7\u8005\u5c31\u4e0d\u6703\u60f3\u4e0b\u81ea\u5df1\u7684\u6295\u8cc7\u8868\u73fe\u5982\u4f55\uff0c\u6240\u4ee5\u5efa\u8b70\u6295\u8cc7\u8005\uff0c\u82e5\u4f60\u4e0d\u7406\u9322\uff0c\u9322\u4e5f\u4e0d\u6703\u7406\u4f60\uff0c\u7d50\u679c\u5c31\u6158\u5566\uff01\u65e9\u5e74\u7d2f\u7a4d\u4e0b\u4f86\u7684\u5341\u591a\u5eff\u842c\uff0c\u6709\u5f88\u56e0\u4e00\u5169\u6b21\u80a1\u5e02\u7684\u5d29\u76e4\uff0c\u6295\u8d44\u672c\u91d1\u53ef\u80fd\u8840\u672c\u7121\u6b78\u3002 \u5728\u7f8e\u570b\u9664\u4e86\u6295\u8cc7\u80a1\u7968\u3001\u5171\u540c\u57fa\u91d1\u3001\u50b5\u5238\u5916\uff0c\u5176\u5be6\u9084\u6709\u5f88\u591a\u6295\u8cc7\u7684\u7523\u54c1\u548c\u7b56\u7565\u4f9b\u6295\u8cc7\u8005\u53c3\u8207\uff0c\u5176\u4e2d\u7a31\u70ba\u300c\u53e6\u985e\u6295\u8cc7\u300dAlternative Investments\uff0c\u6b64\u985e\u6295\u8cc7\u7523\u54c1\uff0c\u5728\u7f8e\u570b\u767b\u8a18\u8a3b\u518a\u7684\u6295\u8cc7\u9805\u76ee\uff0c\u53ea\u4e0d\u904e\u9019\u4e9b\u6295\u8cc7\u7d44\u5408\u6216\u7523\u54c1\uff0c\u4e26\u4e0d\u662f\u6240\u6709\u5728\u8cc7\u672c\u5e02\u5834\u6d41\u901a\u4ea4\u6613\u3002\u5927\u591a\u6709\u98a8\u96aa\u5c0d\u6c96\u6a5f\u5236\u3002\u56e0\u6b64\u6295\u8cc7\u5e02\u5834\u6ce2\u52d5\u4e0d\u5927\uff0c\u6295\u8cc7\u5e02\u503c\u8f03\u70ba\u7a69\u5b9a\u3002 \u300c\u53e6\u985e\u6295\u8cc7\u300d\u64c1\u6709\u4e0d\u540c\u985e\u5225\u7684\u7523\u54c1\uff0c\u5176\u4e2d\u6709\u672a\u4e0a\u5e02\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u4fe1\u8a17Real Estate Investment Trust\uff0c\u4ee5\u53ca\u5546\u696d\u767c\u5c55\u516c\u53f8Business Development Company\u3002\u4ee5\u4e0a\u4e24\u9805\u6295\u8cc7\u7523\u54c1\uff0c\u53ef\u5e6b\u52a9\u6295\u8cc7\u8005\uff0c\u9000\u4f11\u4eba\u58eb\uff0c\u5c0d\u6297\u80a1\u5e02\u57fa\u91d1\u5e02\u5834\u7684\u6ce2\u52d5\u4e0d\u7a69\uff0c\u53ca\u63d0\u4f9b\u6295\u8cc7\u8005\u56fa\u5b9a\u7684\u6536\u5165\u548c\u672c\u91d1\u7684\u5347\u503c\u3002\u4e0d\u540c\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u904e\u5f80\u548c\u73fe\u6642\u90fd\u7a69\u5b9a\u7684\u6d3e\u767c\u5e74\u606f\uff0c\u7531\uff16\uff05\u81f3\uff18\uff05\u4e0d\u7b49\uff0c\u4e26\u4e14\u6295\u8cc7\u672c\u91d1\u9084\u6709\u5f37\u5927\u589e\u503c\u7684\u6f5b\u529b\u3002 \u4eca\u6b21\u91cd\u9ede\u4ecb\u7d39\u672a\u4e0a\u5e02\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u4fe1\u8a17(Non-Traded Real Estate Investment Trust, REIT)\uff0c\u4e0d\u540c\u7684\u6295\u8cc7\u7d44\u5408\u57fa\u91d1\uff0c\u6703\u9078\u5b9a\u5546\u696d\u7269\u696d\u7684\u985e\u5225\uff0c\u4f8b\u5982\uff1a\u9ad8\u7d1a\u5beb\u5b57\u6a13\uff0c\u5de5\u696d\u7269\u696d\uff0c\u6578\u64da\u4e2d\u5fc3\uff0c\u91ab\u7642\u8b77\u7406\u7269\u696d\uff0c\u65e5\u7528\u54c1\u5e02\u5834\u7269\u696d\uff0c\u81ea\u52a9\u5132\u5b58\u5009\u5eab\u7269\u696d\uff0c\u9ad8\u7d1a\u5927\u578b\u67cf\u6587\u7269\u696d\u7b49\u7b49\u3002\u5168\u90e8\u8cfc\u5165\u7684\u5546\u696d\u7269\u696d\uff0c\u9023\u79df\u7d04\u8cfc\u8cb7\u4e0b\u4f86\uff0c\u5927\u591a\u6578\u5269\u9918\u7684\u79df\u7d04\u8d85\u904e\u5341\u5e74\u4ee5\u4e0a\uff0c\u6240\u6709\u79df\u7d04\u90fd\u9644\u6709\u6bcf\u5e74\u79df\u91d1\u7684\u8abf\u5347\u767e\u5206\u6bd4\u3002\u80fd\u5920\u7d66\u6295\u8cc7\u8005\u6709\u56fa\u5b9a\u7684\u6bcf\u6708\u6536\u5165\uff0c\u7279\u5225\u5c0d\u9000\u4f11\u5e33\u6236\u7684\u6295\u8cc7\u8005\uff0c\u975e\u5e38\u6eff\u8db3\u4ed6\u5011\u6bcf\u5e74\u6bcf\u6708\u5f9e\u9000\u4f11\u5e33\u6236\u63d0\u53d6\u7a69\u5b9a\u5229\u606f\u6536\u5165\u3002 \u5c0d\u65bc\u73fe\u91d1\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u9084\u6709\u6295\u8cc7\u56de\u5831\u7684\u7a05\u52d9\u512a\u60e0\uff0c\u6bcf\u5e74\u7372\u53d6\u5229\u606f\u56de\u5831\uff0c\u4e26\u4e0d\u9700\u8981\u767e\u4efd\u767e\u7533\u5831\u5165\u606f\u7a05\uff0c\u6709\u6578\u5341\u751a\u81f3\u5230\uff15\uff10\uff05\u7684\u7a05\u52d9\u6298\u820a\u512a\u60e0\u3002\u7576\u7136\u8981\u8996\u4e4e\u4e0d\u540c\u7269\u696d\u6295\u8cc7\u7d44\u5408\u800c\u5b9a\u3002 \u503c\u5f97\u5927\u5bb6\u8003\u616e\u7684\u5176\u4e2d\u4e00\u7a2e\u6295\u8cc7\u7d44\u5408\uff0c\u662f\u5305\u542b\u6578\u64da\u4e2d\u5fc3\u548c\u91ab\u7642\u8b77\u7406\u4e24\u7a2e\u71b1\u9580\u5546\u696d\u7269\u696d\uff0c\u6578\u64da\u4e2d\u5fc3\u53ef\u4ee5\u8aaa\u662f\u73fe\u4ee3\u793e\u6703\u4e0d\u80fd\u7f3a\u5c11\u7684\u5546\u696d\u7269\u696d\uff0c\u7531\u653f\u5e9c\uff0c\u4e16\u754c\u4f01\u696d\uff0c\u6578\u4e0d\u51fa\u7684\u5c64\u9762\uff0c\u90fd\u9700\u8981\u6578\u64da\u4e2d\u5fc3\u5132\u5b58\u7121\u9650\u91cf\u7684\u6578\u64da\uff0c\u53ea\u6709\u4e0d\u7e7c\u9700\u6c42\uff0c\u5b8c\u5168\u6c92\u6709\u6e1b\u5c11\u7684\u6a5f\u6703\u3002\u81f3\u65bc\u91ab\u7642\u8b77\u7406\u7269\u696d\uff0c\u5927\u5bb6\u90fd\u77e5\u9053\u5e74\u9577\u9000\u4f11\u4eba\u58eb\u7684\u52a0\u5287\u589e\u52a0\uff0c\u4e00\u6a23\u662f\u53ea\u6709\u589e\u52a0\uff0c\u6c92\u6709\u6e1b\u5c11\uff0c\u6b61\u8fce\u67e5\u8a62\u6295\u8d44\u7d44\u5408\u8a73\u60c5\u3002 \u5bcc\u90a6\u6295\u8cc7\uff0c\u662f\u52a0\u5dde\u8a3b\u518a\u6295\u8d44\u9867\u554fRegistered Investment Advisor\u7684\u516c\u53f8\uff0c\u7531\u8c50\u5bcc\u7d93\u9a57Alfred Chan\u9673\u555f\u5149\u5148\u751f\uff0c\u53ca\u7531\u4ed6\u9818\u5c0e\u7684\u8c50\u5bcc\u7d93\u9a57\u6295\u8cc7\u5718\u968a\uff0c\u5c08\u70ba\u6295\u8cc7\u8005\u91cf\u8eab\u8a02\u9020\u7684\u4e0d\u540c\u6295\u8cc7\u7b56\u7565\u548c\u7523\u54c1\uff0c\u4e26\u4e0d\u6536\u53d6\u6295\u8cc7\u7d44\u5408\u516c\u53f8\u7684\u4f63\u91d1\uff0c\u6240\u6709\u5728\u672c\u516c\u53f8\u7684\u6295\u8cc7\u898f\u5283\uff0c\u5168\u90e8\u662f\u6536\u53d6\u5168\u5e74\u7ba1\u7406\u8cbb\u7528\uff0c\u91cd\u9ede\u4ee5\u6295\u8cc7\u5ba2\u6236\u7684\u5229\u76ca\u4e3a\u81f3\u4e0a\u3002\u5bcc\u90a6\u6295\u8cc7\u5728\u7063\u5340\u6709\u4e09\u500b\u8fa6\u516c\u5ba4\uff0c\u5206\u4f48Burlingame\u5e02\uff0c\u4e09\u85e9\u5e02\u53ca\u5c4b\u5d19\u5e02\u3002\u5229\u4fbf\u6295\u8cc7\u8005\u5b89\u6392\u7d04\u8ac7\uff0c\u8f14\u52a9\u4f60\u5efa\u7acb\u81f4\u5bcc\u7684\u6295\u8cc7\u7b56\u7565\u3002\u96fb\u8a71\uff1a\uff18\uff18\uff18\u2014\uff19\uff19\uff11\u2014\uff13\uff18\uff13\uff13\u3002 \u3008\u6295\u8cc7\u7d44\u5408\u6709\u6295\u8cc7\u4ecb\u7ecd\u6587\u672c\uff0c\u904e\u53bb\u6536\u76ca\u4e0d\u4ee3\u8868\u672a\u6765\u8868\u73fe\uff0c\u6295\u8cc7\u8005\u5fc5\u987b\u8a73\u7ec6\u67e5\u95b2\uff0c\u4e86\u89e3\u6295\u8cc7\u98a8\u96aa\uff0c\u9748\u6d3b\u6027\uff0c\u8d44\u7523\u8981\u6c42\uff0c\u6295\u8cc7\u7d93\u9a57\uff0c\u6295\u8cc7\u6642\u9593\uff0c\u7ba1\u7406\u8cbb\u7528\uff0c\u518d\u4f5c\u6295\u8cc7\u6c7a\u5b9a\u3009","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/08\/ny-building.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/08\/ny-building.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2014\/08\/ny-building.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":202514,"url":"https:\/\/newsforchinese.com\/v3\/2021\/06\/12\/%e5%9b%ba%e5%ae%9a%e6%8c%87%e6%95%b8%e5%b9%b4%e9%87%91%e7%9a%84%e5%88%a9%e8%88%87%e5%bc%8a\/","url_meta":{"origin":99627,"position":2},"title":"\u7f8e\u570b\u5e74\u91d1\u77e5\u591a\u5c11","author":"Raymond","date":"June 12, 2021","format":false,"excerpt":"\u9000\u4f11\u5f8c\uff0c\u6bcf\u500b\u4eba\u90fd\u8a08\u5283\u904e\u4e00\u7a2e\u8212\u9069\u7684\u751f\u6d3b\uff0c\u5728\u7d93\u6fdf\u4e0a\u4e0d\u4f9d\u8cf4\u65bc\u81ea\u5df1\u7684\u5b69\u5b50\u3002\u56e0\u6b64\uff0c\u5b58\u8db3\u5920\u7684\u9322\u8b93\u9000\u4f11\u6210\u70ba\u4e00\u500b\u4eba\u4e00\u751f\u7684\u9ec3\u91d1\u968e\u6bb5\uff0c\u4ecd\u7136\u662f\u4e00\u500b\u4eba\u751f\u6d3b\u7684\u57fa\u672c\u7d93\u6fdf\u76ee\u6a19\u3002\u5982\u679c\u4f60\u6709\u56fa\u5b9a\u7684\u6536\u5165\uff0c\u4f60\u5f88\u6709\u53ef\u80fd\u64c1\u6709\u8c50\u539a\u7684\u85aa\u6c34\u3002\u7136\u800c\uff0c\u5373\u4fbf\u9019\u6a23\uff0c\u9000\u4f11\u5f8c\u4f60\u4e5f\u53ef\u80fd\u6c92\u6709\u9322\u3002 \u56e0\u6b64\uff0c\u5982\u679c\u4f60\u64d4\u5fc3\u81ea\u5df1\u5728\u9000\u4f11\u5f8c\u6c92\u6709\u8db3\u5920\u7684\u6536\u5165\u4f86\u652f\u6490\u4f60\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u90a3\u9ebc\u5c31\u61c9\u8a72\u9078\u64c7\u4e00\u500b\u8a08\u5283\uff0c\u70ba\u4f60\u63d0\u4f9b\u56fa\u5b9a\u7684\u6536\u5165\u3002\u90a3\u9ebc\uff0c\u4eca\u5929\u6211\u5011\u4f86\u8a0e\u8ad6\u5e74\u91d1\u548c\u5b83\u7684\u512a\u9ede\u3002\u53ea\u6709\u7372\u5f97\u9069\u7576\u7684\u77e5\u8b58\uff0c\u4f60\u624d\u61c9\u8a72\u9078\u64c7\u4e00\u500b\u8a08\u5283\u3002 \u4ec0\u9ebc\u662f\u5e74\u91d1 \u5e74\u91d1\u88ab\u5b9a\u7fa9\u70ba\u4e00\u500b\u4eba\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u5408\u540c\uff0c\u516c\u53f8\u627f\u8afe\u9019\u500b\u4eba\u652f\u4ed8\u56fa\u5b9a\u7684\u6536\u5165\u3002\u5e74\u91d1\u5141\u8a31\u5ba2\u6236\u5c07\u9322(\u4fdd\u8cbb)\u5b58\u5165\u4e00\u500b\u4fdd\u96aa\u516c\u53f8\uff0c\u8a72\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5728\u8207\u5ba2\u6236\u7c3d\u8a02\u7684\u5354\u8b70\u4e2d\u5728\u5ef6\u7a05\u7684\u57fa\u790e\u4e0a\u7372\u5f97\u5229\u606f\u548c\u589e\u9577\uff0c\u4fdd\u96aa\u516c\u53f8\u96a8\u5f8c\u5c07\u5b9a\u671f\u5411\u5ba2\u6236\u63d0\u4f9b\u4e00\u7cfb\u5217\u7684\u4ed8\u6b3e\u3002 \u4eba\u5011\u901a\u5e38\u8cfc\u8cb7\u5e74\u91d1\u4f86\u63d0\u4f9b\u6216\u88dc\u5145\u4ed6\u5011\u5c07\u5f9e\u793e\u6703\u4fdd\u969c\u3001\u990a\u8001\u91d1\u798f\u5229\u3001\u6295\u8cc7\u548c\u5176\u4ed6\u4f86\u6e90\u7372\u5f97\u7684\u9000\u4f11\u6536\u5165\u3002\u4f60\u53ef\u4ee5\u5c07\u4f60\u7684\u5e74\u91d1\u8f49\u63db\u6210\u4e00\u7a2e\u6536\u5165\u6d41\uff0c\u7136\u5f8c\u53ef\u4ee5\u5728\u56fa\u5b9a\u671f\u9650\u6216\u4f60\u7684\u4e00\u751f\u4e2d\u652f\u4ed8\u3002\u7576\u4f60\u9700\u8981\u6536\u5165\u6642\uff0c\u4f60\u53ef\u4ee5\u53d6\u4e0d\u540c\u6578\u984d\u7684\u53d6\u6b3e\u3002 \u5e74\u91d1\u7684\u7a2e\u985e \u4e00\u822c\u6709\u5169\u7a2e\u4e0d\u540c\u985e\u578b\u7684\u5e74\u91d1: \u3010\u5373\u671f\u5e74\u91d1\u3011 Immediate Annuities \u63d0\u4f9b\u901a\u5e38\u5728\u652f\u4ed8\u5f8c\u4e00\u5e74\u5167\u958b\u59cb\u7684\u6536\u5165\u652f\u4ed8\u3002 \u3010\u5ef6\u671f\u5e74\u91d1\u3011 Deferred Annuities \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 \u6307\u6578\u5316\u5e74\u91d1\u4e0d\u76f4\u63a5\u53c3\u8207\u4efb\u4f55\u80a1\u7968\u6216\u80a1\u6b0a\u6295\u8cc7\u3002\u5927\u591a\u6578\u88ab\u6307\u6578\u5316\u7684\u5e74\u91d1\u90fd\u5141\u8a31\u696d\u4e3b\u53ea\u53c3\u8207\u4e00\u500b\u6307\u6578\u7684\u4e0a\u5347\u767e\u5206\u6bd4\uff0c\u4e26\u4e14\u9084\u898f\u5b9a\u4e86\u4e00\u500b\u201c\u4e0a\u9650\u201d\uff0c\u5373\u5141\u8a31\u5408\u540c\u6240\u6709\u8005\u7684\u6700\u9ad8\u5e74\u5ea6\u8cec\u6236\u589e\u503c\u767e\u5206\u6bd4\u3002\u6295\u8cc7\u4e0d\u80fd\u76f4\u63a5\u6295\u8cc7\u65bc\u6307\u6578\u3002 \u6307\u6578\u5316\u5e74\u91d1\u662f\u4e00\u7a2e\u56fa\u5b9a\u5e74\u91d1\uff0c\u5229\u7387\u7531\u5e02\u5834\u6307\u6578\u6c7a\u5b9a(\u4f8b\u5982\u6a19\u6e96\u666e\u723e500)\u3002\u9019\u7a2e\u5e74\u91d1\u901a\u5e38\u88ab\u8a8d\u70ba\u662f\u4e00\u7a2e\u6bd4\u8f03\u4fdd\u5b88\u7684\u6295\u8cc7\u5e74\u91d1\u7684\u65b9\u5f0f \u98a8\u96aa\u8f03\u4f4e\uff0c\u56de\u5831\u4e5f\u76f8\u5c0d\u8f03\u4f4e\uff1b\u4e0d\u9069\u7528\u65bc\u77ed\u671f\u5132\u84c4\u6295\u8cc7 \u901a\u5e38\u7d66\u6295\u8cc7\u8005\u63d0\u4f9b\u4e0d\u540c\u7684\u5229\u7387\u6536\u76ca\u7684\u9078\u64c7 \u5f9e\u9577\u671f\u4f86\u770b\uff0c\u6307\u6578\u5e74\u91d1\u53ef\u80fd\u6bd4\u56fa\u5b9a\u5e74\u91d1\u6709\u66f4\u5927\u7684\u6536\u76ca\uff0c\u4f46\u662f\u5728\u6307\u6578\u4e0b\u8dcc\u6642\uff0c\u662f\u6c92\u6709\u5229\u606f\u53ef\u4ee5\u62ff\u7684 \u901a\u904e\u6700\u4f4e\u4fdd\u8b49\u78ba\u4fdd\u4f60\u7684\u73fe\u91d1\u50f9\u503c\u4e0d\u6703\u56e0\u70ba\u6307\u6578\u7684\u6e1b\u5c11\u800c\u4e0b\u964d \u548c\u53ef\u8b8a\u5e74\u91d1\u985e\u4f3c\uff0c\u6307\u6578\u5e74\u91d1\u4e5f\u662f\u6703\u6536\u53d6\u4e00\u5b9a\u7684\u89e3\u7d04\u8cbb\u7528\uff1a20%-1%\u4e0d\u7b49\u7684\u89e3\u7d04\u8cbb\u7528\uff0c1-16\u5e74\u4e0d\u7b49\u7684\u89e3\u7d04\u6642\u9593\uff08\u901a\u5e38\u662f10-13\u5e74\uff09\u2026","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/06\/%E5%9B%BA%E5%AE%9A%E6%8C%87%E6%95%B8%E5%B9%B4%E9%87%91Fixed-Index-Annuities%E7%9A%84%E5%88%A9%E8%88%87%E5%BC%8A-small.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":140149,"url":"https:\/\/newsforchinese.com\/v3\/2017\/06\/23\/%e7%a9%a9%e5%ae%9a%e6%94%b6%e5%85%a5%e7%9a%84%e6%8a%95%e8%b3%87%e7%ad%96%e7%95%a5\/","url_meta":{"origin":99627,"position":3},"title":"\u7a69\u5b9a\u6536\u5165\u7684\u6295\u8cc7\u7b56\u7565","author":"Raymond","date":"June 23, 2017","format":false,"excerpt":"\u6642\u9593\u8f49\u773c\u5373\u901d\uff0c\u4e0d\u77e5\u4e0d\u89ba2017\u5e74\u4e0b\u534a\u5e74\u5df2\u5728\u773c\u524d\u3002\u7d9c\u89c0\u4e0a\u534a\u5e74\uff0c\u7531\u65bc\u7f8e\u570b\u3001\u6cd5\u570b\u3001\u5357\u97d3\uff0c\u751a\u81f3\u4f0a\u90ce\u7b49\u570b\u5bb6\uff0c\u90fd\u76f8\u7e7c\u6709\u65b0\u7684\u7e3d\u7d71\u4e0a\u4efb\u3002\u5317\u7f8e\uff0c\u6b50\u6d32\uff0c\u4e2d\u6771\u52a0\u4e0a\u4e9e\u6d32\uff0c\u5728\u653f\u6cbb\u4e0a\u4e00\u5b9a\u6703\u6709\u591a\u5c11\u7684\u8b8a\u52d5\u548c\u8abf\u6574\uff0c\u6216\u591a\u6216\u5c11\u5c0d\u6295\u8cc7\u74b0\u5883\uff0c\u80a1\u7968\u57fa\u91d1\u5e02\u5834\u6709\u6240\u885d\u64ca\u3002\u7576\u7136\u5927\u591a\u6578\u7684\u6295\u8cc7\u8005\u90fd\u6709\u6b63\u9762\u7684\u671f\u671b\u3002\u4f46\u6709\u7d93\u9a57\u7684\u6295\u8d44\u8005\u5fc5\u7136\u4f5c\u4fdd\u8b77\u7684\u7b56\u7565\uff0c\u4ee5\u514d\u6295\u8cc7\u7d93\u4e0d\u8d77\u5927\u5e45\u7684\u4e0a\u843d\u3002\u5728\u7f8e\u570b\u793e\u6703\u88e1\uff0c\u4e00\u500b\u771f\u5be6\u7684\u60c5\u6cc1\uff0c\u5168\u570b\u7684\u9000\u4f11\u5e33\u6236\u52a0\u8d77\u7684\u6295\u8cc7\u91d1\u984d25\u842c\u5104\u7f8e\u5143\uff1d$25,000,000,000,000\u3002\u6240\u4ee5\u5f88\u591a\u7f8e\u570b\u4eba\u90fd\u64c1\u6709\u4e0d\u540c\u985e\u5f62\u7684\u9000\u4f11\u5e33\u6236 \uff0c\u4f8b\u5982\uff1a401k, 403b, 457, Pension, SEP, IRA, Roth IRA\u7b49\u7b49\u3002\u9000\u4f11\u5e33\u6236\u7684\u6295\u8d44\u8005\uff0c\u90fd\u9700\u8981\u9069\u7576\u6642\u5019\u8abf\u6574\u4f60\u7684\u6295\u8cc7\u7b56\u7565\uff0c\u7d76\u5c0d\u4e0d\u80fd\u4e00\u6210\u4e0d\u8b8a\u3002 \u5927\u591a\u6578\u6e96\u5099\u9000\u4f11\u548c\u5df2\u9000\u4f11\u7684\u4eba\u58eb\uff0c\u90fd\u671f\u671b\u5728\u9000\u4f11\u6642\u5019\uff0c\u5728\u6295\u8cc7\u4e0a\u5fc5\u5b9a\u9078\u64c7\u8f03\u70ba\u7a69\u5065\u7684\u6295\u8cc7\u7b56\u7565\u3002\u4ed6\u5011\u4e0d\u518d\u60f3\u5728\u6295\u8cc7\u4e0a\u592a\u5192\u96aa\u548c\u592a\u9032\u53d6\u3002\u56e0\u4ed6\u5011\u5df2\u5f9e\u5168\u8077\u5de5\u4f5c\u9000\u4e0b\u4f86\uff0c\u597d\u597d\u8a08\u5283\u4eab\u53d7\u4eba\u751f\uff0c\u5229\u7528\u904e\u5f80\u52e4\u52de\u7d2f\u7a4d\u7684\u9000\u4f11\u548c\u6295\u8cc7\u5e33\u6236\uff0c\u8d81\u81ea\u5df1\u5065\u58ef\u6642\u591a\u51fa\u5916\u65c5\u904a\uff0c\u9664\u6b64\u4e4b\u5916\uff0c\u4e0d\u7e7c\u6539\u5584\u751f\u6d3b\u8cea\u7d20\uff0c\u63d0\u9ad8\u8eab\u9ad4\u7684\u5065\u5eb7\u6c34\u5e73\uff0c\u904e\u4e00\u500b\u7121\u6182\u7121\u616e\u7684\u9000\u4f11\u751f\u6d3b\u3002\u6240\u4ee5\u4ed6\u5011\u6703\u4ed4\u7d30\u8003\u616e\uff0c\u9078\u64c7\u67d0\u4e9b\u6295\u8cc7\u7b56\u7565\uff0c\u80fd\u5920\u8f14\u52a9\u4ed6\u5011\u80fd\u4e0d\u64d4\u5fc3\u6295\u8cc7\u5e02\u5834\u7684\u5927\u5e45\u6ce2\u52d5\uff0c\u53cd\u63d0\u4f9b\u6bcf\u5e74\u6bcf\u6708\u7a69\u5b9a\u6295\u8cc7\u6536\u5165\uff0c\u9019\u662f\u6700\u7406\u60f3\u4e0d\u904e\u4e86\u3002 \u5728\u7f8e\u570b\u9664\u4e86\u6295\u8cc7\u80a1\u7968\u3001\u5171\u540c\u57fa\u91d1\u3001\u50b5\u5238\u5916\uff0c\u5176\u5be6\u9084\u6709\u5f88\u591a\u6295\u8cc7\u7684\u7523\u54c1\u548c\u7b56\u7565\u4f9b\u6295\u8cc7\u8005\u53c3\u8207\uff0c\u5176\u4e2d\u7a31\u70ba\u300c\u53e6\u985e\u6295\u8cc7\u300dAlternative Investments\uff0c\u6b64\u985e\u6295\u8cc7\u7523\u54c1\uff0c\u5728\u7f8e\u570b\u767b\u8a18\u8a3b\u518a\u7684\u6295\u8cc7\u9805\u76ee\uff0c\u53ea\u4e0d\u904e\u9019\u4e9b\u6295\u8cc7\u7d44\u5408\u6216\u7523\u54c1\uff0c\u4e26\u4e0d\u662f\u6240\u6709\u5728\u8cc7\u672c\u5e02\u5834\u6d41\u901a\u4ea4\u6613\u3002\u5927\u591a\u6709\u98a8\u96aa\u5c0d\u6c96\u6a5f\u5236\u3002\u56e0\u6b64\u6295\u8cc7\u5e02\u5834\u6ce2\u52d5\u4e0d\u5927\uff0c\u6295\u8cc7\u5e02\u503c\u8f03\u70ba\u7a69\u5b9a\u3002 \u300c\u53e6\u985e\u6295\u8cc7\u300d\u64c1\u6709\u4e0d\u540c\u985e\u5225\u7684\u7523\u54c1\uff0c\u5176\u4e2d\u6709\u672a\u4e0a\u5e02\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u4fe1\u8a17Real Estate Investment Trust\uff0c\u4ee5\u53ca\u5546\u696d\u767c\u5c55\u516c\u53f8Business Development Company\u3002\u4ee5\u4e0a\u4e24\u9805\u6295\u8cc7\u7523\u54c1\uff0c\u53ef\u5e6b\u52a9\u6295\u8cc7\u8005\uff0c\u9000\u4f11\u4eba\u58eb\uff0c\u5c0d\u6297\u80a1\u5e02\u57fa\u91d1\u5e02\u5834\u7684\u6ce2\u52d5\u4e0d\u7a69\uff0c\u53ca\u63d0\u4f9b\u6295\u8cc7\u8005\u56fa\u5b9a\u7684\u6536\u5165\u548c\u672c\u91d1\u7684\u5347\u503c\u3002\u4e0d\u540c\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u904e\u5f80\u548c\u73fe\u6642\u90fd\u7a69\u5b9a\u7684\u6d3e\u767c\u5e74\u606f\uff0c\u75316%\u81f38%\u4e0d\u7b49\uff0c\u4e26\u4e14\u6295\u8cc7\u672c\u91d1\u9084\u6709\u5f37\u5927\u589e\u503c\u7684\u6f5b\u529b\u3002 \u53e6\u4e00\u7a2e\u53e6\u985e\u6295\u8cc7\uff0c\u5c31\u662f\u83ef\u4eba\u71b1\u611b\u672a\u4e0a\u5e02\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u4fe1\u8a17(Non-Traded Real Estate Investment Trust, REIT)\uff0c\u4e0d\u540c\u7684\u6295\u8cc7\u7d44\u5408\u57fa\u91d1\uff0c\u6703\u9078\u5b9a\u5546\u696d\u7269\u696d\u7684\u985e\u5225\uff0c\u4f8b\u5982\uff1a\u9ad8\u7d1a\u5beb\u5b57\u6a13\uff0c\u5de5\u696d\u7269\u696d\uff0c\u6578\u64da\u4e2d\u5fc3\uff0c\u91ab\u7642\u8b77\u7406\u7269\u696d\uff0c\u65e5\u7528\u54c1\u5e02\u5834\u7269\u696d\uff0c\u81ea\u52a9\u5132\u5b58\u5009\u5eab\u7269\u696d\uff0c\u9ad8\u7d1a\u5927\u578b\u67cf\u6587\u7269\u696d\u7b49\u7b49\u3002\u5168\u90e8\u8cfc\u5165\u7684\u5546\u696d\u7269\u696d\uff0c\u9023\u79df\u7d04\u8cfc\u8cb7\u4e0b\u4f86\uff0c\u5927\u591a\u6578\u5269\u9918\u7684\u79df\u7d04\u8d85\u904e\u5341\u5e74\u4ee5\u4e0a\uff0c\u6240\u6709\u79df\u7d04\u90fd\u9644\u6709\u6bcf\u5e74\u79df\u91d1\u7684\u8abf\u5347\u767e\u5206\u6bd4\u3002\u4e0d\u540c\u6295\u8cc7\u7d44\u5408\u5e73\u5747\u6d3e\u767c\u5e74\u5229\u7387\uff1a6-7%\u4e0d\u7b49\u3002\u9019\u6a23\u80fd\u7d66\u6295\u8cc7\u8005\u6709\u56fa\u5b9a\u7684\u6bcf\u6708\u6536\u5165\uff0c\u7279\u5225\u5c0d\u9000\u4f11\u5e33\u6236\u7684\u6295\u8cc7\u8005\uff0c\u975e\u5e38\u6eff\u8db3\u4ed6\u5011\u6bcf\u5e74\u6bcf\u6708\u5f9e\u9000\u4f11\u5e33\u6236\u63d0\u53d6\u7a69\u5b9a\u5229\u606f\u6536\u5165\u3002\u5c0d\u65bc\u73fe\u91d1\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u9084\u6709\u6295\u8cc7\u56de\u5831\u7684\u7a05\u52d9\u512a\u60e0\uff0c\u6bcf\u5e74\u7372\u53d6\u5229\u606f\u56de\u5831\uff0c\u4e26\u4e0d\u9700\u8981\u767e\u4efd\u767e\u7533\u5831\u5165\u606f\u7a05\uff0c\u53ef\u4ee5\u7372\u5f9750%\u7684\u7a05\u52d9\u6298\u820a\u512a\u60e0\u3002\u7576\u7136\u8981\u8996\u4e4e\u4e0d\u540c\u7269\u696d\u6295\u8cc7\u7d44\u5408\u800c\u5b9a\u3002 \u7279\u5225\u63a8\u85a6\u6295\u8cc7\u8005\u975e\u5e38\u7279\u5225\u7684\u5546\u696d\u623f\u5730\u7523\u6295\u8cc7\u7d44\u5408\uff0c\u662f\u5305\u542b\u6578\u64da\u4e2d\u5fc3\u548c\u91ab\u7642\u8b77\u7406\u4e24\u7a2e\u71b1\u9580\u5546\u696d\u7269\u696d\uff0c\u6578\u64da\u4e2d\u5fc3\u53ef\u4ee5\u8aaa\u662f\u73fe\u4ee3\u793e\u6703\u4e0d\u80fd\u7f3a\u5c11\u7684\u5546\u696d\u7269\u696d\uff0c\u7531\u653f\u5e9c\uff0c\u4e16\u754c\u4f01\u696d\uff0c\u6578\u4e0d\u51fa\u7684\u5c64\u9762\uff0c\u90fd\u9700\u8981\u6578\u64da\u4e2d\u5fc3\u5132\u5b58\u7121\u9650\u91cf\u7684\u6578\u64da\uff0c\u53ea\u6709\u4e0d\u7e7c\u9700\u6c42\uff0c\u5b8c\u5168\u6c92\u6709\u6e1b\u5c11\u7684\u6a5f\u6703\u3002\u81f3\u65bc\u91ab\u7642\u8b77\u7406\u7269\u696d\uff0c\u5927\u5bb6\u90fd\u77e5\u9053\u5e74\u9577\u9000\u4f11\u4eba\u58eb\u7684\u52a0\u5287\u589e\u52a0\uff0c\u4e00\u6a23\u662f\u53ea\u6709\u589e\u52a0\uff0c\u6c92\u6709\u6e1b\u5c11\u3002\u6295\u8cc7\u8005\u4e0d\u55ae\u6b62\u7372\u5f97\u6bcf\u6708\u7a69\u5b9a\u7684\u6d3e\u606f\u6536\u5165\uff0c\u800c\u5169\u7a2e\u7279\u5225\u7269\u696d\u7684\u5927\u5e45\u5347\u503c\u6307\u65e5\u53ef\u5f85\uff0c\u6b61\u8fce\u67e5\u8a62\u6295\u8d44\u7d44\u5408\u8a73\u60c5\u3002 \u5bcc\u90a6\u6295\u8cc7\uff0c\u662f\u52a0\u5dde\u8a3b\u518a\u6295\u8d44\u9867\u554fRegistered Investment Advisor\u7684\u516c\u53f8\uff0c\u7531\u8c50\u5bcc\u7d93\u9a57Alfred Chan\u9673\u555f\u5149\u5148\u751f\uff0c\u53ca\u7531\u4ed6\u9818\u5c0e\u7684\u8c50\u5bcc\u7d93\u9a57\u6295\u8cc7\u5718\u968a\uff0c\u5c08\u70ba\u6295\u8cc7\u8005\u91cf\u8eab\u8a02\u9020\u7684\u4e0d\u540c\u6295\u8cc7\u7b56\u7565\u548c\u7523\u54c1\uff0c\u4e26\u4e0d\u6536\u53d6\u6295\u8cc7\u7d44\u5408\u516c\u53f8\u7684\u4f63\u91d1\uff0c\u5728\u672c\u516c\u53f8\u7684\u4efb\u4f55\u6295\u8cc7\u898f\u5283\uff0c\u5168\u90e8\u662f\u6536\u53d6\u7ba1\u7406\u8cbb\u7528\uff0c\u91cd\u9ede\u4ee5\u6295\u8cc7\u5ba2\u6236\u7684\u5229\u76ca\u4e3a\u81f3\u4e0a\u3002\u5bcc\u90a6\u6295\u8cc7\u5728\u7063\u5340\u6709\u4e09\u500b\u8fa6\u516c\u5ba4\uff0c\u5206\u4f48Burlingame\u5e02\uff0c\u4e09\u85e9\u5e02\u53ca\u5c4b\u5d19\u5e02\u3002\u5229\u4fbf\u6295\u8cc7\u8005\u5b89\u6392\u7d04\u8ac7\uff0c\u8f14\u52a9\u4f60\u5efa\u7acb\u81f4\u5bcc\u7684\u6295\u8cc7\u7b56\u7565\u3002\u96fb\u8a71\uff1a888-991-3833 \u3008\u6295\u8cc7\u7d44\u5408\u6709\u6295\u8cc7\u4ecb\u7ecd\u6587\u672c\uff0c\u904e\u53bb\u6536\u76ca\u4e0d\u4ee3\u8868\u672a\u6765\u8868\u73fe\uff0c\u6295\u8cc7\u8005\u5fc5\u987b\u8a73\u7ec6\u67e5\u95b2\uff0c\u4e86\u89e3\u6295\u8cc7\u98a8\u96aa\uff0c\u9748\u6d3b\u6027\uff0c\u8d44\u7523\u8981\u6c42\uff0c\u6295\u8cc7\u7d93\u9a57\uff0c\u6295\u8cc7\u6642\u9593\uff0c\u7ba1\u7406\u8cbb\u7528\uff0c\u518d\u4f5c\u6295\u8cc7\u6c7a\u5b9a\u3009","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":261070,"url":"https:\/\/newsforchinese.com\/v3\/2024\/07\/13\/%e7%be%8e%e5%9c%8b%e7%90%86%e8%b2%a1%e8%87%b4%e5%af%8c%e4%b8%8d%e6%98%af%e5%a4%a2\/","url_meta":{"origin":99627,"position":4},"title":"\u7f8e\u570b\u7406\u8ca1\u81f4\u5bcc\u4e0d\u662f\u5922","author":"Raymond","date":"July 13, 2024","format":false,"excerpt":"\u5728\u7f8e\u570b\u7406\u8ca1\u81f4\u5bcc\u9700\u8981\u7d9c\u5408\u591a\u65b9\u9762\u7684\u77e5\u8b58\u8207\u7b56\u7565\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u95dc\u9375\u7684\u8a23\u7ac5\uff0c\u80fd\u5920\u5e6b\u52a9\u4f60\u5728\u7f8e\u570b\u6210\u529f\u7406\u8ca1\u4e26\u81f4\u5bcc\uff1a 1. \u8a2d\u5b9a\u8ca1\u52d9\u76ee\u6a19 \u9996\u5148\uff0c\u8981\u660e\u78ba\u8a2d\u5b9a\u77ed\u671f\u548c\u9577\u671f\u7684\u8ca1\u52d9\u76ee\u6a19\u3002\u9019\u4e9b\u76ee\u6a19\u61c9\u8a72\u5177\u9ad4\u3001\u53ef\u8861\u91cf\u3001\u53ef\u9054\u6210\u4e14\u6709\u6642\u9593\u9650\u5236\u3002\u4f8b\u5982\uff0c\u77ed\u671f\u76ee\u6a19\u53ef\u80fd\u662f\u6bcf\u6708\u5132\u84c4\u4e00\u5b9a\u6578\u91cf\u7684\u91d1\u9322\uff0c\u800c\u9577\u671f\u76ee\u6a19\u5247\u53ef\u80fd\u662f\u9000\u4f11\u5132\u84c4\u6216\u8cfc\u8cb7\u623f\u7522\u3002 2. \u5236\u5b9a\u9810\u7b97\u8a08\u5283 \u6709\u6548\u7684\u9810\u7b97\u7ba1\u7406\u662f\u7406\u8ca1\u81f4\u5bcc\u7684\u57fa\u790e\u3002\u5217\u51fa\u6240\u6709\u6536\u5165\u8207\u652f\u51fa\uff0c\u78ba\u4fdd\u6bcf\u6708\u90fd\u6709\u4e00\u90e8\u5206\u6536\u5165\u7528\u65bc\u5132\u84c4\u548c\u6295\u8cc7\u3002\u76e1\u91cf\u6e1b\u5c11\u4e0d\u5fc5\u8981\u7684\u958b\u652f\uff0c\u990a\u6210\u7bc0\u5109\u7684\u7fd2\u6163\u3002 3. \u5efa\u7acb\u7dca\u6025\u57fa\u91d1 \u5efa\u7acb\u4e00\u500b\u7dca\u6025\u57fa\u91d1\u662f\u61c9\u5c0d\u7a81\u767c\u60c5\u6cc1\u7684\u4fdd\u969c\u3002\u9019\u500b\u57fa\u91d1\u61c9\u8a72\u8db3\u5920\u652f\u4ed8\u81f3\u5c11\u4e09\u5230\u516d\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u7528\u3002\u9019\u6a23\u53ef\u4ee5\u907f\u514d\u5728\u9047\u5230\u7dca\u6025\u60c5\u6cc1\u6642\u9700\u8981\u501f\u8cb8\u6216\u8ce3\u6389\u6295\u8cc7\u3002 4. \u591a\u5143\u5316\u6295\u8cc7\u7d44\u5408 \u5c07\u8cc7\u91d1\u5206\u6563\u6295\u8cc7\u65bc\u4e0d\u540c\u7684\u8cc7\u7522\u985e\u5225\uff0c\u4f8b\u5982\u80a1\u7968\u3001\u50b5\u5238\u3001\u623f\u5730\u7522\u548c\u5176\u4ed6\u6295\u8cc7\u5de5\u5177\uff0c\u4ee5\u5206\u6563\u98a8\u96aa\u3002\u7f8e\u570b\u80a1\u5e02\u5177\u6709\u9577\u671f\u589e\u9577\u6f5b\u529b\uff0c\u4f46\u4e5f\u6703\u6709\u77ed\u671f\u6ce2\u52d5\uff0c\u5408\u7406\u914d\u7f6e\u8cc7\u7522\u6709\u52a9\u65bc\u5e73\u8861\u98a8\u96aa\u548c\u56de\u5831\u3002 5. \u5b78\u7fd2\u6295\u8cc7\u77e5\u8b58 \u4e86\u89e3\u6295\u8cc7\u7684\u57fa\u672c\u77e5\u8b58\u548c\u5e02\u5834\u8da8\u52e2\u662f\u6210\u529f\u7406\u8ca1\u7684\u91cd\u8981\u6b65\u9a5f\u3002\u53ef\u4ee5\u901a\u904e\u95b1\u8b80\u66f8\u7c4d\u3001\u53c3\u52a0\u8ab2\u7a0b\u3001\u8ddf\u96a8\u91d1\u878d\u5c08\u5bb6\u7684\u5efa\u8b70\u4f86\u589e\u5f37\u81ea\u5df1\u7684\u6295\u8cc7\u77e5\u8b58\u3002 6. \u9078\u64c7\u5408\u9069\u7684\u6295\u8cc7\u5de5\u5177 \u6839\u64da\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u548c\u8ca1\u52d9\u76ee\u6a19\uff0c\u9078\u64c7\u5408\u9069\u7684\u6295\u8cc7\u5de5\u5177\u3002\u5c0d\u65bc\u98a8\u96aa\u504f\u597d\u8f03\u4f4e\u7684\u4eba\uff0c\u53ef\u4ee5\u8003\u616e\u50b5\u5238\u6216\u6307\u6578\u57fa\u91d1\uff0c\u800c\u98a8\u96aa\u504f\u597d\u8f03\u9ad8\u7684\u4eba\u5247\u53ef\u4ee5\u8003\u616e\u500b\u80a1\u6216\u9ad8\u6536\u76ca\u50b5\u5238\u3002 7. \u5b9a\u671f\u6aa2\u8996\u548c\u8abf\u6574\u6295\u8cc7\u7d44\u5408 \u5e02\u5834\u74b0\u5883\u548c\u500b\u4eba\u8ca1\u52d9\u72c0\u6cc1\u6703\u96a8\u6642\u9593\u8b8a\u5316\uff0c\u56e0\u6b64\u9700\u8981\u5b9a\u671f\u6aa2\u8996\u548c\u8abf\u6574\u6295\u8cc7\u7d44\u5408\u3002\u9019\u6a23\u53ef\u4ee5\u78ba\u4fdd\u6295\u8cc7\u7b56\u7565\u59cb\u7d42\u8207\u81ea\u5df1\u7684\u8ca1\u52d9\u76ee\u6a19\u76f8\u7b26\u3002 8. \u7e73\u6e05\u9ad8\u5229\u7387\u50b5\u52d9 \u9ad8\u5229\u7387\u50b5\u52d9\uff0c\u5982\u4fe1\u7528\u5361\u50b5\u52d9\uff0c\u6703\u56b4\u91cd\u5f71\u97ff\u8ca1\u52d9\u5065\u5eb7\u3002\u512a\u5148\u511f\u9084\u9019\u4e9b\u50b5\u52d9\uff0c\u4ee5\u6e1b\u5c11\u5229\u606f\u652f\u51fa\uff0c\u589e\u52a0\u5132\u84c4\u548c\u6295\u8cc7\u7684\u8cc7\u91d1\u3002 9. \u5229\u7528\u7a05\u6536\u512a\u60e0\u653f\u7b56 \u4e86\u89e3\u4e26\u5229\u7528\u7f8e\u570b\u7684\u7a05\u6536\u512a\u60e0\u653f\u7b56\uff0c\u5982401(k)\u3001IRA\u7b49\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff0c\u4ee5\u53ca\u6559\u80b2\u5132\u84c4\u8a08\u5283\uff08\u5982529\u8a08\u5283\uff09\u3002\u9019\u4e9b\u8a08\u5283\u53ef\u4ee5\u63d0\u4f9b\u7a05\u6536\u512a\u60e0\uff0c\u6709\u52a9\u65bc\u9577\u671f\u8ca1\u5bcc\u589e\u503c\u3002 10. \u4fdd\u6301\u8ca1\u52d9\u7d00\u5f8b \u6210\u529f\u7406\u8ca1\u9700\u8981\u6301\u4e4b\u4ee5\u6046\u7684\u8ca1\u52d9\u7d00\u5f8b\u3002\u5b9a\u671f\u5132\u84c4\u3001\u6309\u6642\u7e73\u7d0d\u8cec\u55ae\u3001\u907f\u514d\u904e\u5ea6\u6d88\u8cbb\u7b49\uff0c\u90fd\u662f\u4fdd\u6301\u8ca1\u52d9\u5065\u5eb7\u7684\u91cd\u8981\u7fd2\u6163\u3002 \u7e3d\u4e4b\uff0c\u5728\u7f8e\u570b\u7406\u8ca1\u81f4\u5bcc\u4e26\u975e\u4e00\u671d\u4e00\u5915\u4e4b\u4e8b\uff0c\u9700\u8981\u4e0d\u65b7\u5b78\u7fd2\u548c\u5be6\u8e10\u3002\u901a\u904e\u8a2d\u5b9a\u660e\u78ba\u7684\u8ca1\u52d9\u76ee\u6a19\u3001\u5236\u5b9a\u9810\u7b97\u8a08\u5283\u3001\u5efa\u7acb\u7dca\u6025\u57fa\u91d1\u3001\u5408\u7406\u6295\u8cc7\u548c\u4fdd\u6301\u8ca1\u52d9\u7d00\u5f8b\uff0c\u53ef\u4ee5\u9010\u6b65\u5be6\u73fe\u8ca1\u52d9\u81ea\u7531\u548c\u5bcc\u88d5\u751f\u6d3b\u3002 \u8001\u4e2d\u65b0\u805e\u7de8\u8b6f\u7d44","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":88404,"url":"https:\/\/newsforchinese.com\/v3\/2014\/09\/27\/%e7%be%8e%e5%9c%8b%e3%80%8amoney%e3%80%8b%e9%9b%9c%e8%aa%8c%e7%9a%84%e6%8a%95%e8%b3%87%e7%90%86%e8%b2%a1%e5%bf%a0%e5%91%8a\/","url_meta":{"origin":99627,"position":5},"title":"\u7f8e\u570b\u300amoney\u300b\u96dc\u8a8c\u7684\u6295\u8cc7\u7406\u8ca1\u5fe0\u544a","author":"Raymond","date":"September 27, 2014","format":false,"excerpt":"\u600e\u6a23\u66f4\u591a\u5730\u8cfa\u9322\uff0c\u66f4\u591a\u5730\u7a4d\u84c4\u9322\u8ca1\uff0c\u66f4\u597d\u5730\u6295\u8cc7\uff0c\u66f4\u9748\u6d3b\u5730\u6d88\u8cbb\u548c\u600e\u6a23\u66f4\u597d\u5730\u4fdd\u969c\u4f60\u7684\u5bb6\u5ead\uff0c\u7f8e\u570b\u300amoney\u300b\u96dc\u8a8c\u7684\u6295\u8cc7\u7406\u8ca1\u5fe0\u544a\u3002 \u5c0d\u65bc\u91d1\u9322\uff0c\u4f60\u6700\u8070\u660e\u7684\u6295\u8cc7\u9078\u64c7\u662f\u54ea\u4ef6\u4e8b\uff1f\u662f\u8cb7\u623f\u9084\u662f\u63db\u5de5\u4f5c\uff1f\u6216\u8a31\u662f\u4f60\u8cfc\u8cb7\u80a1\u7968\uff0c\u6216\u8a31\u662f\u4f60\u9078\u64c7\u4e86\u5e02\u5834\u4e2d\u76c8\u5229\u7684\u5171\u540c\u57fa\u91d1\u3002\u4f60\u73fe\u5728\u77e5\u9053\u5b83\u662f\u660e\u667a\u7684\u9078\u64c7\uff0c\u56e0\u70ba\u5b83\u4f7f\u4f60\u8cfa\u9322\uff0c\u6216\u7bc0\u7d04\u4e86\u91d1\u9322\uff0c\u6216\u4f7f\u4f60\u514d\u53d7\u8ca1\u653f\u56f0\u64fe\u3002\u5fc5\u9808\u6307\u51fa\u7684\u662f\uff0c\u6211\u5011\u5f88\u591a\u8655\u7406\u91d1\u9322\u7684\u884c\u70ba\u50c5\u50c5\u662f\u731c\u6e2c\u884c\u70ba\uff0c\u6bd4\u5982\u6211\u5011\u7121\u6cd5\u77e5\u9053\u4e0b\u4e00\u5e74\u54ea\u96bb\u80a1\u7968\u7684\u8868\u73fe\u6703\u66f4\u597d\uff0c\u6211\u5011\u53ea\u662f\u7528\u904b\u6c23\u4f86\u6253\u8ced\u3002\u5176\u5be6\uff0c\u6211\u5011\u4e0d\u5fc5\u7e3d\u7528\u904b\u6c23\u6253\u8ced\uff0c\u672c\u6587\u544a\u8a34\u60a8\u4e0b\u5217\u5e7e\u7a2e\u8070\u660e\u7684\u7406\u8ca1\u65b9\u6cd5\uff0c\u9019\u4e9b\u90fd\u662f\u5728\u751f\u6d3b\u4e2d\u53ef\u4ee5\u5177\u9ad4\u628a\u63e1\u7684\u4e8b\u60c5\u3002\u6709\u4e9b\u4f60\u53ef\u80fd\u5617\u8a66\u904e\uff0c\u6bd4\u5982\u6295\u8cc7401(k)\u8a08\u5283\uff0c\u6709\u4e9b\u95dc\u65bc\u6d88\u8cbb\u3001\u8077\u696d\u898f\u5283\u3001\u8ca1\u653f\u8a08\u5283\u7684\u5efa\u8b70\uff0c\u53ef\u80fd\u4f60\u5f9e\u672a\u60f3\u5230\u904e\u3002\u7576\u7136\uff0c\u9019\u4e9b\u5efa\u8b70\u4e2d\u7684\u55ae\u7368\u4e00\u4ef6\u4e0d\u53ef\u80fd\u589e\u5927\u4f60\u8b8a\u5f97\u5bcc\u6709\uff0c\u4f46\u6bcf\u4ef6\u90fd\u53ef\u4ee5\u8b93\u4f60\u7372\u5f97\u6210\u529f\u7684\u53ef\u80fd\u6027\u8207\u6e1b\u5c0f\u5931\u6557\u98a8\u96aa\u3002\u8070\u660e\u7684\u5b9a\u7fa9\u5c31\u662f--\u9ad8\u56de\u5831\u7387\u4f4e\u98a8\u96aa\u7387\u3002 \u4f5c\u70ba\u7fd2\u6163\uff0c\u9019\u4e9b\u8ca1\u653f\u884c\u70ba\u5fc5\u9808\u6210\u70ba\u4f60\u7684\u7b2c\u4e8c\u5929\u6027\uff1a \u00a0 1.\u70ba\u4f60\u7684\u5bb6\u5ead\u958b\u8a2d\u8cec\u6236 \u61c9\u8a72\u505a\u7684\uff1a\u958b\u8a2d\u5bb6\u5ead\u589e\u503c\u4fe1\u8cb8\u8cec\u6236\u4e26\u6709\u6548\u5229\u7528\uff0c\u70ba\u4f60\u81ea\u5df1\u6216\u8005\u5b69\u5b50\u6e96\u5099\u5927\u5b78\u6559\u80b2\u8cbb\uff0c\u6216\u8005\u9084\u6e05\u4fe1\u7528\u5361\u7684\u50b5\u52d9\u3002 \u4e0d\u61c9\u8a72\u505a\u7684\uff1a\u6feb\u7528\u4f60\u7684\u5bb6\u5ead\u8cec\u6236\uff0c\u70ba\u5047\u671f\u6e96\u5099\u5c08\u6b3e\uff0c\u8cfc\u8cb7\u7b49\u96e2\u5b50\u96fb\u8996\u6216\u4f60\u7121\u529b\u652f\u4ed8\u7684\u7269\u54c1\u3002 \u00a0 2.\u601d\u8003 \u4f7f\u4f60\u7684\u8ca1\u52d9\u751f\u6d3b\u81ea\u52d5\u5316\u3002\u61c9\u8a72\u628a\u4f60\u5728\u9280\u884c\u4e2d\u7684\u90e8\u5206\u5132\u84c4\u8b93\u4f60\u7684\u5171\u540c\u57fa\u91d1\u516c\u53f8\u6216\u7d93\u7d00\u4eba\u9032\u884c\u6bcf\u6708\u6295\u8cc7\u3002\u540c\u6a23\uff0c\u8981\u5408\u7406\u7ba1\u7406\u4f60\u7684\u79fb\u52d5\u96fb\u8a71\u8cbb\u7528\uff0c\u4f60\u5c07\u6703\u767c\u73fe\uff0c\u9810\u7b97\u6bd4\u4ee5\u524d\u7c21\u55ae\uff0c\u4f60\u518d\u4e5f\u4e0d\u7528\u652f\u4ed8\u6eef\u7d0d\u91d1\u3002 \u00a0 3.\u8ffd\u6c42\u5229\u76ca\u6700\u5927\u5316 \u76e1\u53ef\u80fd\u591a\u5730\u6295\u8cc7\u5728\u4f60\u7684401(k)\u4e0a\u3002\u6839\u64da401k\u8a08\u5283\uff0c\u5047\u8a2d\u67097\uff05\u7684\u56de\u5831\u7387\u820750\uff05\u7684\u62b5\u514c\uff0c\u4fdd\u6301\u6bcf\u5e74\u7684\u6301\u7e8c\u6295\u8cc7\uff0c\u60f3\u60f330\u5e74\u5f8c\uff0c\u60a8\u7684\u6295\u8cc7\u7e3d\u984d\u5229\u6efe\u5229\u5c07\u6703\u662f\u9000\u4f11\u5f8c\u4e3b\u8981\u7684\u8ca1\u6e90\u4e4b\u4e00\u3002 \u00a0 4.\u4f60\u7684\u61c9\u5fb5\u7a05\u6536\u5165 \u6e1b\u5c11\u61c9\u5fb5\u7a05\u6536\u5165\uff0c\u4e5f\u5c31\u662f\u8aaa\u5728\u5de5\u4f5c\u4e2d\u5efa\u7acb\u9748\u6d3b\u7684\u6d88\u8cbb\u8cec\u6236\u3002\u8001\u95c6\u6703\u5f9e\u4f60\u7684\u85aa\u6c34\u91cc\u6263\u9664\u7a05\u524d\u6240\u5f97\uff0c\u4f60\u7528\u9019\u4e9b\u9322\u53bb\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\uff0c\u5305\u62ec\u4fdd\u96aa\u8cbb\u3001\u85e5\u8cbb\u3001\u624b\u8853\u8cbb\u7b49\u7b49\u3002\u6bcf1000\u7f8e\u5143\u7684\u6295\u5165\u5927\u6982\u5c31\u53ef\u4ee5\u4f7f\u4f60\u7684\u7a05\u55ae\u6e1b\u5c11300\u7f8e\u5143\u3002\u5225\u932f\u904e\u6bcf\u5e74\u7684\u9019\u500b\u6a5f\u6703\u3002 \u00a0 5.\u6709\u8a08\u5283\u7684\u7bc0\u7d04 \u6bcf\u500b\u6708\u56fa\u5b9a\u5730\u6295\u8cc7\u5171\u540c\u57fa\u91d1\u3002\u9019\u6a23\u53ef\u4ee5\u4fdd\u8b49\u4f60\u5728\u80a1\u7968\u4f4e\u50f9\u6642\u5019\u8cb7\u5f97\u591a\uff0c\u800c\u5728\u80a1\u7968\u9ad8\u50f9\u6642\u5019\u8cb7\u5f97\u5c11\u3002 T\u00b7Rowe\u516c\u53f8\u7684\u81ea\u52d5\u8cc7\u7522\u5efa\u7acb\u8a08\u5283\u8a8d\u70ba\uff0c\u5c0d\u65bc\u500b\u4eba\u4f86\u8aaa\uff0c\u6700\u521d\u6295\u8cc7\u80a1\u7968\u5927\u7d04\u5728$2,500\u7f8e\u5143\uff0c\u7136\u5f8c\u6bcf\u500b\u6708\u53ea\u8981\u6295\u8cc7$50\u7f8e\u5143\u3002 \u00a0 6.\u505a\u500b\u5b88\u8ca1\u5974 \u5171\u540c\u57fa\u91d1\u4e2d\u7684\u80a1\u7968\u5f0f\u57fa\u91d1\u67091.33\uff05\u4e0a\u4e0b\u7684\u7ba1\u7406\u8cbb\uff0c\u50b5\u5238\u5f0f\u57fa\u91d1\u67090.89\uff05\u4e0a\u4e0b\u7684\u7ba1\u7406\u8cbb\u3002\u7814\u7a76\u8868\u660e\uff0c\u4fdd\u6301\u6295\u8cc7\u7684\u4f4e\u652f\u51fa\u8cbb\u7528\u662f\u53ef\u4ee5\u4f7f\u4f60\u7684\u6295\u8cc7\u7372\u5f97\u9ad8\u56de\u5831\u7387\u7684\u6700\u4f73\u65b9\u6cd5\u3002\u7f8e\u570b\u5148\u92d2\u57fa\u91d1\u516c\u53f8\u8207\u5bcc\u9054\u57fa\u91d1\u516c\u53f8\u8a8d\u70ba\u6700\u5408\u7b97\u7684\u6295\u8cc7\u662f\u6307\u6578\u57fa\u91d1\u3002 \u00a0 7.\u5348\u9910 \u548c\u4ee5\u524d\u7684\u540c\u4e8b\u4e00\u500b\u6708\u5076\u723e\u51fa\u53bb\u5403\u4e00\u6b21\u98ef\u3002\u5982\u679c\u4f60\u7e3d\u662f\u82b1\u4e0a30\u7f8e\u5143\u5728\u5916\u9762\u5c31\u9910\uff0c\u4f60\u5728\u6c42\u8077\u7c21\u6b77\u88e1\u7684\u7167\u7247\u6703\u8d8a\u4f86\u8d8a\u80a5\u80d6\u3002 \u00a0 8.\u8ff7,\u4f46\u4e0d\u760b\u72c2 \u5373\u4f7f\u4f60\u78ba\u5be6\u60f3\u5728\u5c07\u4f86\u7684\u6295\u8cc7\u4e2d\u8cfa\u5f97\u66f4\u591a\uff0c\u6700\u597d\u4e5f\u8981\u70ba\u5c07\u4f86\u53ef\u80fd\u8b8a\u5316\u7684\u4e8b\u60c5\u7559\u51fa5\uff05-10\uff05\u7684\u8cc7\u7522\u3002\u5982\u679c\u80a1\u7968\u4e26\u6c92\u6709\u5982\u9810\u60f3\u7684\u90a3\u6a23\u7406\u60f3\uff0c\u4f60\u53ef\u80fd\u6703\u5687\u4e00\u8df3\uff0c\u4f46\u662f\u4f60\u4e5f\u4e0d\u6703\u640d\u5931\u5f88\u5927\u3002 \u00a0 9.\u5728\u4e16\u754c\u7bc4\u570d\u5167\u8cfa\u9322 \u5c0d\u4f60\u7684\u8b49\u5238\u591a\u6a23\u6027\u6295\u8cc7\uff0c\u5728\u672c\u571f\u5916\u7684\u5730\u5340\u6295\u8cc7\u6703\u6e1b\u5c11\u98a8\u96aa\uff0c\u63d0\u9ad8\u56de\u5831\u7387\uff0c\u81f3\u5c11\u8981\u628a\u4f60\u8cc7\u7522\u768420\uff05\u653e\u5728\u6d77\u5916\u3002 \u00a0 10.\u78ba\u7acb\u8cc7\u7522\u518d\u5e73\u8861\u65e5 \u6bcf\u5e74\u76848\u67081\u65e5(\u6216\u4f60\u4e5f\u53ef\u4ee5\u81ea\u7531\u9078\u64c7\u4e00\u5929)\uff0c\u6e1b\u6301\u50f9\u683c\u4e0a\u6f32\u7684\u8b49\u5238\uff0c\u589e\u6301\u50f9\u683c\u4e0b\u8dcc\u7684\u8b49\u5238\uff0c\u628a\u4f60\u7684\u8cc7\u7522\u91cd\u65b0\u512a\u5316\u914d\u7f6e\u3002\u7814\u7a76\u8868\u660e\uff0c\u6bcf\u5e74\u5982\u6b64\uff0c\u4f60\u5c31\u6703\u81ea\u52d5\u5730\u5728\u80a1\u50f9\u4f4e\u6642\u8cb7\u9032\uff0c\u80a1\u50f9\u9ad8\u6642\u8ce3\u51fa\uff0c\u6700\u7d42\u53ef\u4ee5\u5f97\u5230\u9ad8\u6536\u76ca\u3002\u6216\u8005\u4f60\u53ef\u4ee5\u628a\u4f60\u7684\u8cc7\u91d1\u653e\u5728\u5c08\u696d\u7684\u8cc7\u672c\u914d\u7f6e\u7ba1\u7406\u516c\u53f8\u4e2d\u3002 \u00a0 11.\u61c2\u5f97\u4f55\u6642\u6536\u56de\u8cc7\u91d1 \u51fa\u552e\u8868\u73fe\u7cdf\u7cd5\u7684\u80a1\u7968\u6216\u8667\u640d\u57fa\u91d1\u3002\u5728\u61c9\u5fb5\u7a05\u8cec\u55ae\u4e2d\uff0c\u4f60\u7684\u640d\u5931\u6703\u62b5\u6d88\u4e00\u90e8\u5206\u8cc7\u7522\u6240\u5f97\uff0c\u56e0\u6b64\uff0c\u5b83\u53ef\u4ee5\u6e1b\u5c11\u4f60\u61c9\u7e73\u7d0d\u7684\u6240\u5f97\u7a05\uff0c\u7121\u6548\u6295\u8cc7\u53ef\u4ee5\u9748\u6d3b\u8f49\u5316\u6210\u7a05\u8ce6\u7684\u6e1b\u514d\u3002\u5982\u679c\u4f60\u6539\u8b8a\u89c0\u5ff5\uff0c\u572830\u5929\u5f8c\u4f60\u53ef\u4ee5\u6536\u56de\u8cc7\u672c\u3002 \u00a0 12.\u4e0d\u6d6a\u8cbb\u4e00\u5206\u9322 \u7d55\u5c0d\u4e0d\u8981\u6d6a\u8cbb\u4e00\u5206\u4e00\u6beb\u3002\u5728\u516d\u500b\u6708\u7684\u6642\u9593\u88e1\uff0c\u4f60\u53ef\u4ee5\u628a\u786c\u5e63\u5b58\u5165\u9280\u884c\u6216\u8005\u628a\u96f6\u9322\u653e\u5165\u5132\u84c4\u8cec\u6236(\u300a\u9322\u300b\u96dc\u8a8c\u7684\u4e00\u4f4d\u54e1\u5de5\u5bb6\u5ead\u53bb\u5e74\u5b58\u4e86$1,000\u7f8e\u5143\u96f6\u9322)\u3002 \u00a0 13.\u666e\u901a\u6d88\u8cbb \u4e0d\u8981\u53bb\u8cfc\u8cb7\u7279\u7d1a\u6c7d\u6cb9\u3002\u9ad8\u54c1\u8cea\u7684\u6c7d\u6cb9\u4e26\u4e0d\u6703\u63d0\u9ad8\u4f60\u7684\u751f\u6d3b\u6c34\u5e73\uff0c\u4e5f\u4e0d\u6703\u63d0\u9ad8\u71c3\u6599\u7684\u6548\u7387\uff0c\u800c\u4e14\u9019\u4e26\u975e\u662f\u4f60\u7684\u5fc5\u9700\u54c1\uff0c\u76f8\u53cd\uff0c\u5b83\u53ea\u6703\u8b93\u4f60\u6bcf\u5e74\u591a\u4ea4\u7d04$120\u7f8e\u5143\u7684\u8cbb\u7528\u3002 \u00a0 14.\u9078\u64c7\u56fa\u5b9a\u7684\u822a\u7a7a\u516c\u53f8 \u5728\u4f60\u8cfc\u8cb7\u5546\u52d9\u5ea7\u4f4d\u6642\u9078\u64c7\u4e00\u5bb6\u56fa\u5b9a\u7684\u822a\u7a7a\u516c\u53f8\uff0c\u5728\u540c\u4e00\u822a\u7a7a\u516c\u53f8\u4e58\u5750\u98db\u6a5f\uff0c\u82f1\u91cc\u6578\u8d8a\u9577\u8d8a\u5408\u7b97\u3002\u597d\u597d\u5229\u7528\u4e58\u5750\u98db\u6a5f\u7684\u82f1\u91cc\u6578\uff0c\u7f8e\u570b\u570b\u5167\u6d77\u5cb8\u7dda\u98db\u6a5f\u822a\u73ed\u7684\u5ea7\u4f4d\u50f9\u683c\u5c31\u6703\u8b8a\u5f97\u5f88\u4fbf\u5b9c\u3002\u5982\u679c\u4f60\u4e58\u5750\u4e8625,000\u82f1\u91cc\uff0c\u4f60\u5c31\u53ef\u4ee5\u514d\u8cbb\u5f97\u5230\u50f9\u503c$150\u7f8e\u5143\u7684\u6d77\u5cb8\u5230\u6d77\u5cb8\u7684\u98db\u6a5f\u7968\uff1b\u800c\u5982\u679c\u4f60\u4e58\u5750\u4e86100,000\u82f1\u91cc\uff0c\u4f60\u53ef\u4ee5\u5f97\u5230\u50f9\u503c$3,000\u7f8e\u5143\u53bb\u6b50\u6d32\u7684\u5546\u52d9\u6a5f\u7968\uff0c\u6709\u4e9b\u516c\u53f8\u751a\u81f3\u5305\u62ec\u90e8\u5206\u9152\u5e97\u8cbb\u7528\u3002 \u00a0 15.\u4fe1\u7528\u5361\u5e74\u8cbb \u8981\u6c42\u4fe1\u7528\u5361\u767c\u884c\u65b9\u4e0d\u6536\u4f60$30\u5230$70\u7f8e\u5143\u7684\u5e74\u8cbb\u3002\u6bd4\u5982\uff0c\u767c\u884c\u65b9\u8a8d\u70ba\u53bb\u53e6\u5916\u5730\u65b9\u7d93\u71df\u5546\u696d\u662f\u5f88\u5177\u80fd\u529b\u7684\u8868\u73fe\uff0c\u4ed6\u5011\u6703\u56e0\u70ba\u4f60\u51fa\u9580\u7d93\u5546\u800c\u4e0d\u8003\u616e\u5e74\u8cbb\u3002\u662f\u5426\u53ea\u80fd\u514d\u4ea4\u4e00\u6b21\uff1f\u4f60\u4e5f\u53ef\u4ee5\u7528\u73fe\u5728\u826f\u597d\u7684\u4fe1\u7528\u8a18\u9304\u52fe\u92b7\u4e0a\u6b21\u7684\u8cbb\u7528\u3002\u2026","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/06\/money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/99627","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\/1001011"}],"replies":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/comments?post=99627"}],"version-history":[{"count":0,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/99627\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/99628"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=99627"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=99627"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=99627"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=99627"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}