{"id":1835,"date":"2016-10-07T23:10:51","date_gmt":"2016-10-08T03:10:51","guid":{"rendered":"http:\/\/yibababa.com\/?p=1835"},"modified":"2016-10-07T23:10:51","modified_gmt":"2016-10-08T03:10:51","slug":"%e5%9c%a8%e7%be%8e%e5%9b%bd%e5%a6%82%e4%bd%95%e6%88%90%e4%b8%ba%e4%b8%ad%e4%ba%a7%e9%98%b6%e7%ba%a7-%e5%b9%b6%e6%ad%a3%e7%a1%ae%e7%90%86%e8%b4%a2","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/1835","title":{"rendered":"\u5728\u7f8e\u56fd\u5982\u4f55\u6210\u4e3a\u4e2d\u4ea7\u9636\u7ea7 \u5e76\u6b63\u786e\u7406\u8d22"},"content":{"rendered":"<p style=\"text-align: center;\">\u4f5c\u8005\uff1aFan Francis<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1836\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/10\/1-3.jpg\" alt=\"1\" width=\"553\" height=\"311\" 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\u6295\u8d44\u6807\u7684\uff0c<strong>\u6700\u91cd\u8981\u7684\u4e94\u4e2a\u6307\u6807\u662f<\/strong>\uff1a<strong>\u6536\u76ca\u3001\u98ce\u9669\u3001\u6d41\u52a8\u6027\u3001\u7a0e\u6536\u5b89\u6392\u3001\u5176\u4ed6\u9650\u5236<\/strong>\u3002\u4e16\u754c\u4e0a\u6ca1\u6709\u4efb\u4f55\u4e00\u79cd\u6295\u8d44 \/ \u6295\u8d44\u54c1\uff0c\u662f\u4e94\u9879\u6307\u6807\u5747\u5b8c\u7f8e\u7684\uff0c\u5982\u201c\u9ad8\u6536\u76ca \/ \u4f4e\u98ce\u9669 \/ \u9ad8\u6d41\u52a8\u6027 \/ \u7a0e\u6536\u4f18\u60e0 \/ \u6ca1\u6709\u6295\u8d44\u9650\u5236\u201d\u3002\u4efb\u4f55\u4e00\u79cd\u6295\u8d44 \/ \u6295\u8d44\u54c1\uff0c\u56f4\u7ed5\u8fd9\u4e94\u4e2a\u6307\u6807\uff0c\u90fd\u662f\u5404\u6709\u53d6\u820d\u3002<\/p>\n<p>\u5bf9\u4e8e\u7edd\u5927\u591a\u6570\u4e2d\u4e0b\u5c42\u4e2d\u4ea7\u9636\u7ea7\uff0850k-100k\uff09\u6765\u8bf4\uff0c\u201c\u7406\u8d22\u201d\u5176\u5b9e\u51e0\u4e4e\u7b49\u540c\u4e8e\u201c\u517b\u8001\u201d\u3002\u4e00\u4e2a\u6bd4&#8221;dying to soon&#8221;\u66f4\u60b2\u50ac\u7684\u4e8b\u60c5\uff0c\u53ef\u80fd\u5c31\u662f&#8221;living too long&#8221;\u4e86\u3002\u5982\u679c\u4f60\u5c45\u7136\u80fd\u5f88\u5145\u88d5\u5730\u7559\u597d\u81ea\u5df1\u7684\u517b\u8001\u91d1\uff0c\u90a3\u4e48\u4f60\u51e0\u4e4e\u4e5f\u5c31\u5269\u4e0d\u4e0b\u4ec0\u4e48\u95f2\u94b1\u4e86\u2014\u2014\u6211\u65f6\u5e38\u9690\u9690\u89c9\u5f97\uff0c\u8fd9\u662f\u7f8e\u56fd\u4e0a\u5c42\u5efa\u7b51\u7cbe\u5999\u7b97\u8ba1\u8fc7\u7684\u5b8c\u7f8e\u7ed3\u679c\uff1a\u4eba\u53e3\u4e2d\u8986\u76d6\u9762\u6700\u5e7f\u7684\u4e00\u7fa4\u4eba\uff0c\u4e0d\u65ad\u4ea7\u751f\u65b0\u94b1\u6765\u517b\u7740\u81ea\u5df1\u3001\u517b\u7740\u56fd\u5bb6\uff0c\u6700\u7ec8\u8d70\u7684\u65f6\u5019\uff0c\u4e5f\u7559\u4e0d\u4e0b\u4efb\u4f55\u65e7\u94b1\u6765\u4f9b\u4e0b\u4e00\u4ee3\u5750\u4eab\u5176\u6210\u3002<\/p>\n<p><strong>\u4e00\u4e2a\u7f8e\u56fd\u4eba\uff0c\u9000\u4f11\u4e4b\u540e\u80fd\u62ff\u5230\u7684\u6536\u5165\uff0c\u57fa\u672c\u4e0a\u5c31\u4e09\u5757<\/strong>\uff1a<\/p>\n<p>1\uff0cSocial Security\u2014\u2014\u7c7b\u4f3c\u4e2d\u56fd\u7684\u7edf\u7b79\u8d26\u6237<\/p>\n<p>2\uff0c\u5404\u79cd\u4e2a\u4eba\u8d26\u6237\u7684\u6cd5\u5b9a\u5206\u914d\u2014\u2014\u7c7b\u4f3c\u4e2d\u56fd\u7684\u5546\u4e1a\u517b\u8001\u4fdd\u9669<\/p>\n<p>3\uff0c\u4e2a\u522b\u653f\u5e9c \/ \u5b66\u6821 \/ \u673a\u6784\u7684\u517b\u8001\u91d1 (pension)\u2014\u2014\u7c7b\u4f3c\u6211\u4eec\u7236\u6bcd\u90a3\u4e00\u4ee3\u4eba\u9000\u4f11\u540e\u62ff\u7684\u201c\u9000\u4f11\u91d1\u201d<\/p>\n<p>\u5176\u4e2d\uff0c<strong>3 \u662f\u4e2a\u5c0f\u6982\u7387\u4e8b\u4ef6<\/strong>\uff0c\u7edd\u5927\u591a\u6570\u4f01\u4e1a\u90fd\u6ca1\u6709\u3002<strong>1 \u6700\u597d\u4e0d\u7528\u6307\u671b<\/strong>\uff0cSocial Security \u8d26\u6237\u5df2\u7ecf\u5165\u4e0d\u6577\u51fa N \u5e74\u4e86\uff0c\u7c7b\u4f3c\u4e8e\u4f60\u5728\u4ea4\u7684 SS Tax \u53bb\u517b\u73b0\u5728\u9000\u4f11\u7684\u8001\u4eba\u3002<\/p>\n<p><strong>\u5927\u5934\u662f 2\uff1a\u4e2a\u4eba\u8d26\u6237\u3002<\/strong><\/p>\n<p>\u8fdb\u4e86\u516c\u53f8\u4e4b\u540e\uff0c\u516c\u53f8 HR \u90fd\u4f1a\u7ed9\u4f60\u63d0\u4f9b\u7531\u516c\u53f8\u8d5e\u52a9\u7684\u798f\u5229\u8ba1\u5212\uff0c\u5176\u4e2d\u7684\u5927\u5934\u5c31\u662f<strong>\u6240\u8c13 401k<\/strong> \u7684\u4e1c\u897f\u3002\u8fd9\u73a9\u610f\u513f\u5176\u5b9e\u5c31\u662f\u4e00\u4e2a Mutual Fund\uff0c\u751a\u81f3\u53ef\u4ee5\u662f\u4f60\u81ea\u5df1 DIY \u7684\u4e2a\u80a1\u6295\u8d44\u7ec4\u5408\u3002\u6240\u8c13\u201c401k\u201d\uff0c\u5176\u5b9e\u4ec5\u662f\u56fd\u7a0e\u5c40(IRS)\u7684 Revenue Code \u7684\u7ae0\u8282\u7f16\u53f7\u3002\u5728 mutual fund \u7684\u672c\u8d28\u4e0a\uff0cIRS \u7ed9\u4f60\u63d0\u4f9b\u4e86\u6709\u522b\u4e8e\u4e00\u822c mutual fund \u7684\u201c\u7a0e\u6536\u5b89\u6392\u201d\uff1a<strong>\u4f60\u5728\u6295\u8d44\u548c\u6301\u6709 401k \u8d26\u6237\u7684\u671f\u95f4\u5185\uff0c\u6bcf\u5e74\u90fd\u4e0d\u7528\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e<\/strong>\uff0c\u4f46\u662f\uff0c\u572859 \u5c81\u534a\u4e4b\u524d\uff0c\u8fd9\u4e2a\u8d26\u6237\u91cc\u7684\u94b1\uff0c\u4f60\u4e0d\u80fd\u53d6\u51fa\u6765\uff08\u6709\u4f8b\u5916\uff0c\u7565\u8fc7\uff09\uff0c\u5426\u5219\u8981\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e\u548c\u989d\u5916\u7684 10% \u60e9\u7f5a\u7a0e\u3002<\/p>\n<p>\u8fd9\u73a9\u610f\u513f<strong>\u989d\u5916\u7684\u597d\u5904<\/strong>\u662f\uff0c\u6b63\u7ecf\u7684<strong>\u516c\u53f8\u90fd\u4f1a\u7ed9\u4f60\u4e00\u5b9a\u767e\u5206\u6bd4\u7684\u201cmatch\u201d<\/strong>\u3002\u597d\u6bd4\u8bf4\uff0c\u4f60\u653e 3% \u7684\u6708\u85aa\u5728 401k \u91cc\uff0c\u516c\u53f8\u5c31\u627f\u8bfa\u4e5f\u653e 3% \u5728\u4f60\u7684 401k 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2%\uff0c\u76f8\u5f53\u4e8e\u4ece\u516c\u53f8\u90a3\u91cc\u5c11\u62ff\u4e86 2%\u7684\u514d\u8d39 match\u3002<\/p>\n<p>\u800c<strong>401k \u8d26\u6237\u7684\u9650\u5236<\/strong>\u662f\uff0c\u8fd9\u79cd IRS \u7ed9\u4f60\u7684\u7a0e\u6536\u5b89\u6392\u7684\u597d\u5904\uff0c\u4e0d\u80fd\u65e0\u9650\u5236\u4eab\u53d7\uff0c\u6bcf\u5e74\u53ea\u80fd\u5728\u4e00\u5b9a\u7684\u9650\u989d\u5185\u4eab\u53d7\u30022015 \u5e74\uff0c\u8fd9\u4e2a\u9650\u989d\u662f\u6bcf\u5e74 18,000 \u5200\u3002<\/p>\n<p>\u4ece\u516c\u53f8\u90a3\u91cc\u80fd\u9009\u62e9\u7684\u53e6\u5916\u4e00\u4e2a\u5e38\u89c1\u597d\u5904\u662f\u201c\u6253\u6298\u7684\u516c\u53f8\u80a1\u7968\u201d\uff0c\u4ee5\u53ca\u5404\u79cd\u671f\u6743\u3002\u7b80\u5355\u8bf4\uff0c\u597d\u6bd4\u4f60\u516c\u53f8\u7684\u80a1\u7968\u5e02\u4ef7\u662f 10 \u5200\u4e00\u80a1\uff0c\u516c\u53f8\u80fd\u8ba9\u4f60\u6bcf\u4e2a\u6708\u4ee5 8.5 \u5200\u53bb\u4e70\u516c\u53f8\u80a1\u7968\uff0c\u76f8\u5f53\u4e8e\u5f53\u4e0b\u514d\u8d39\u8d5a\u4e86 1.5 \u5200 \/ \u80a1\uff08\u5b9e\u9645\u60c5\u51b5\u4e0b\uff0c\u53ef\u80fd\u6709\u9650\u5236\u671f\uff1b\u53e6\u5916\uff0c\u4e3a\u4f55\u662f 15%\u7684\u6298\u6263\uff0c\u662f\u516c\u53f8\u7a0e\u6536\u5185\u5bb9\uff0c\u7565\u8fc7\uff09<\/p>\n<p>\u5728\u6559\u80b2\u673a\u6784\uff0c\u5982\u5927\u5b66\uff0c\u201c401k\u201d\u6709\u53e6\u4e00\u4e2a\u540d\u5b57\uff0c\u53eb\u201c403b\u201d\u2014\u2014\u4e24\u8005\u9664\u4e86\u540d\u5b57\u4e0d\u4e00\u6837\u4e4b\u5916\uff0c\u51e0\u4e4e\u6ca1\u533a\u522b\u3002<\/p>\n<p>\u5982\u679c\u4e00\u4e2a\u516c\u53f8\u7684\u798f\u5229\u8ba1\u5212\u91cc\u9762\u5e76\u6ca1\u6709 401k\uff08\u5e38\u89c1\u4e8e\u5c0f\u516c\u53f8\uff09\uff0c\u53ef\u4ee5\u9009\u62e9\u81ea\u5df1\u5f00\u8bbe\u4e00\u4e2a\u81ea\u5df1\u7684\u517b\u8001\u8d26\u6237\uff0c\u79f0\u4e3a\u201cIRA\u201d\uff08Individual Retirement Account\uff09\u3002\u5176\u8fd0\u4f5c\u673a\u7406\u548c\u7a0e\u6536\u5b89\u6392\uff0c\u4e0e 401k \u533a\u522b\u4e0d\u5927\u3002<\/p>\n<p>\u6700\u540e\uff0c\u8fd8\u6709\u4e00\u4e2a\u4e0d\u5c11\u4eba\u53ef\u80fd\u964c\u751f\u7684\u6982\u5ff5\uff1a<strong>\u5e74\u91d1 \/annuity\/ \u5e74\u91d1\u5316 \/annuitize<\/strong>\u3002\u8fd9\u4e2a\u6982\u5ff5\u5176\u5b9e\u4e0d\u96be\u7406\u89e3\u3002401k \u4e25\u683c\u610f\u4e49\u4e0a\u8bb2\uff0c\u53ea\u662f\u201c\u517b\u8001\u91d1\u201d\uff0c\u800c\u4e0d\u662f\u201c\u517b\u8001\u4fdd\u9669\u201d &#8212; \u4f60\u81ea\u5df1\u6512\u7684\u94b1\uff0c\u9000\u4f11\u540e\u81ea\u5df1\u82b1\uff0c\u82b1\u5149\u4e86\u5c31\u6ca1\u4e86\uff0c\u5e76\u6ca1\u6709\u201c\u4fdd\u9669\u201d\u7684\u90e8\u5206\u3002\u800c\u6240\u8c13\u5e74\u91d1\uff0c\u53ef\u4ee5\u770b\u6210\u662f\u771f\u6b63\u610f\u4e49\u4e0a\u7684\u201c\u517b\u8001\u4fdd\u9669\u201d &#8212; \u4f60\u81ea\u5df1\u6512\u7684\u94b1\uff0c\u540c\u65f6\u9644\u52a0\u4e00\u4e2a\u4e0e\u6295\u8d44\u7ba1\u7406\u65b9\u7684\u4fdd\u969c\u534f\u8bae\uff1a\u4ece\u6211\u51e0\u5c81\u5f00\u59cb\uff0c\u4f60\u6bcf\u5e74\u652f\u4ed8\u6211 XXX \u7684\u517b\u8001\u91d1\uff0c\u76f4\u5230\u6211\u53bb\u4e16\u4e3a\u6b62\u3002\u8bf4\u767d\u4e86\uff0c\u5e74\u91d1\u7684\u201c\u4fdd\u9669\u201d\u4f5c\u7528\uff0c\u4e0e\u4eba\u5bff\u4fdd\u9669\u6b63\u597d\u76f8\u53cd\uff0c\u662f\u4e3a\u4e86\u5bf9\u51b2\u8fd9\u6837\u4e00\u4e2a\u98ce\u9669\uff1aLiving Too Long\/ \u6d3b\u5f97\u592a\u4e45\u3002\u5373\uff1a\u94b1\u82b1\u5149\u4e86\uff0c\u4eba\u8fd8\u6ca1\u6b7b\u3002\u5176\u5177\u4f53\u5f62\u5f0f\u4e3b\u8981\u6709\u4e24\u79cd\uff1a1\uff09\u4f60\u7684 401k\/IRA\uff0c\u53ef\u80fd\u672c\u8eab\u5c31\u662f\u4e00\u4e2a\u5e74\u91d1\uff0c\u5373\u5e76\u975e\u9000\u4f11\u540e\u544a\u8bc9\u4f60\u4e00\u4e2a\u8d26\u6237\u4f59\u989d\uff0c\u800c\u662f\u4fdd\u8bc1\u4f60\u9000\u4f11\u540e\u6bcf\u4e2a\u6708\u62ff\u591a\u5c11\u94b1\uff0c\u76f4\u5230\u53bb\u4e16\uff1b2\uff09\u4f60\u53ef\u4ee5\u5c06\u4f60\u7684 401k\/IRA\uff0c\u5f53\u7136\u4e5f\u53ef\u4ee5\u662f\u5176\u4ed6\u8d44\u4ea7\uff0c\u8d2d\u4e70 \/ \u8f6c\u5316\u6210\u4e00\u4e2a\u5e74\u91d1\uff0c\u79f0\u4e3a\u201c\u5e74\u91d1\u5316\u201d\u3002<\/p>\n<p>\u975e\u8981\u6709\u4e2a\u6bd4\u55bb\u7684\u8bdd\uff1a\u4f60\u53ef\u4ee5\u8ba4\u4e3a\u201c\u5e74\u91d1\u201d\u5c31\u662f\u4e00\u4e2a\u7531\u79c1\u8425\u516c\u53f8\u8fd0\u8425\u7684\u4f60\u7684 self-funded pension\u3002<\/p>\n<p><strong>\u603b\u7ed3<\/strong>\uff1a<\/p>\n<p>401k\/403b\/IRA\uff0c\u4ec5\u662f\u57fa\u4e8e mutual fund \u672c\u8d28\u4e0a\u7684\u7a0e\u6536\u5b89\u6392\u3002\u76f8\u6bd4 mutual fund\uff0c\u5b83\u4eec\u5728\u6295\u8d44\u65f6\u53ef\u4ee5\u9009\u62e9\u4ee5\u7a0e\u524d\u6536\u5165\u6295\u8d44\uff08\u4e5f\u53ef\u4ee5\u9009\u62e9\u662f\u7a0e\u540e\u6536\u5165\uff0c\u4f46\u9000\u4f11\u540e\u9886\u53d6\u65f6\u4e0d\u4ea4\u7a0e\uff0c\u79f0\u4e3aRoth \u578b\uff09\uff0c\u6301\u6709\u671f\u95f4\u4e0d\u7528\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e\uff0c\u4f46\u6d41\u52a8\u6027\u53d7\u9650\uff0859 \u5c81\u534a\uff09\uff0c\u6295\u8d44\u91d1\u989d\u53d7\u9650\uff08\u6bcf\u5e74 18,000 \u7684\u4e0a\u9650\uff09<\/p>\n<p>\u81ea\u7136\uff0c\u4e0e mutual fund \u7c7b\u4f3c\uff0c\u4f60\u53ef\u4ee5\u53bb\u6309\u7167\u81ea\u5df1\u7684\u6536\u76ca\u548c\u98ce\u9669\u559c\u597d\uff0c\u53bb\u9009\u62e9\u4e0d\u540c\u7684 mutual fund \u6765\u4f5c\u4e3a\u81ea\u5df1 401k \u7684\u201c\u74e4\u513f\u201d &#8212; \u5982\u679c\u4f60\u613f\u610f\uff0c\u4f60\u751a\u81f3\u53ef\u4ee5\u81ea\u5df1\u5f04\u4e00\u4e2a\u6295\u8d44\u7ec4\u5408\u6765\u4f5c\u4e3a 401k \u7684\u201c\u74e4\u513f\u201d\uff0c\u5c3d\u7ba1\u4e2a\u4eba\u5e76\u4e0d\u652f\u6301\u4efb\u4f55\u4eba\u53bb\u72af\u8fd9\u79cd\u795e\u7ecf\u3002\u559c\u6b22\u9ad8\u98ce\u9669\u9ad8\u6536\u76ca\u7684\uff0c\u5c31\u504f\u80a1\u7968\u4e00\u4e9b\uff1b\u559c\u6b22\u4f4e\u98ce\u9669\u4f4e\u6536\u76ca\u7684\uff0c\u5c31\u504f\u503a\u5238\u4e00\u4e9b\uff0c\u975e\u5e38\u7b80\u5355\u76f4\u63a5\u3002<\/p>\n<p>\u5bf9\u4e8e\u4e00\u4e2a\u5e74\u6536\u5165 50k \u81f3 100k \u7684\u4e2d\u4ea7\u9636\u7ea7\u6765\u8bf4\uff0c\u9664\u4e86\u517b\u8001\u4e4b\u5916\uff0c\u5269\u4e0b\u80fd\u505a\u7684\u4e5f\u5c31\u53ea\u6709\u5404\u79cd\u4fdd\u9669\u4e86\u3002\u8fd9\u4e2a\u5176\u5b9e\u5e94\u8be5\u5728\u517b\u8001\u4e4b\u524d\u8bf4\uff0c\u6bd5\u7adf\u5404\u79cd\u4fdd\u9669\u662f\u201c\u515c\u5e95\u201d\u7528\u7684\u3002<\/p>\n<p><strong>\u4f55\u8c13\u201c\u515c\u5e95\u201d<\/strong>\uff1f\u5982\u533b\u7597\u4fdd\u9669\uff0c\u5982\u679c\u4f60\u5b8c\u5168\u6ca1\u6709\uff0c\u752d\u7ba1\u4f60\u8f9b\u8f9b\u82e6\u82e6\u6512\u4e86\u591a\u5c11\u94b1\uff0c\u751f\u4e2a\u201c\u5c0f\u75c5\u201d\uff0c\u4e00\u5e74\u6512\u7684\u94b1\u4f30\u8ba1\u5c31\u6ca1\u4e86\uff1b\u751f\u4e2a\u201c\u5927\u75c5\u201d\uff0c\u516b\u6210\u4f60\u5bb6\u5c31\u76f4\u63a5\u7834\u4ea7\u4e86\u3002\u518d\u6bd4\u5982\u4eba\u5bff\u4fdd\u9669\uff08\u6b64\u5904\u4ec5\u662f\u6307 term life\uff09\uff0c\u4f60\u4e07\u4e00\u610f\u5916\u6302\u4e86\uff0c\u4f60\u8001\u516c \/ \u8001\u5a46 \/ \u5a03\u7684\u751f\u6d3b\u5f88\u53ef\u80fd\u5c31\u65e0\u6cd5\u7ef4\u6301\u4e86\uff0c\u6309\u63ed\u7684\u623f\u5b50\u53ef\u80fd\u4e5f\u4f1a\u88ab\u6536\u8d70\uff0c\u800c\u4f60\u56fd\u5185\u9760\u7740\u4f60\u5728\u7f8e\u56fd\u6536\u5165\u517b\u8001\u7684\u7236\u6bcd\uff0c\u7ecf\u6d4e\u72b6\u51b5\u4f30\u8ba1\u4e5f\u591f\u545b\u4e86\u3002\u518d\u6bd4\u5982\u5176\u4ed6\u4e00\u4e9b\u5c0f\u7684\u4fdd\u9669\uff0c\u4f9d\u7136\u662f\u201c\u7406\u8d22\u201d\u4e0d\u53ef\u5ffd\u7565\u7684\u201c\u515c\u5e95\u201d\u57fa\u7840\u3002\u5982Disability\uff0c\u5982\u679c\u6ca1\u6709\uff0c\u518d\u4e07\u4e00\u53d7\u4f24\uff0c\u957f\u671f\u65e0\u6cd5\u5de5\u4f5c\uff0c\u5bf9\u5bb6\u5ead\u7684\u8d22\u52a1\u51b2\u51fb\u751a\u81f3\u6bd4\u4f60\u6302\u4e86\u8fd8\u8981\u5de8\u5927\uff0c\u56e0\u4e3a\u4f60\u8fd8\u6d3b\u7740\uff0c\u8fd8\u8981\u5403\u996d\u548c\u770b\u75c5\uff1b\u518d\u6bd4\u5982\u8f66\u9669\uff0c\u5982\u679c\u6ca1\u6709\uff0c\u51fa\u4e86\u4e8b\u6545\uff0c\u7279\u522b\u662f\u5982\u679c\u8d23\u4efb\u5728\u4f60\u4e14\u5bf9\u65b9\u53d7\u4f24\uff0c\u4e5f\u5f97\u8d54\u7834\u4ea7\uff1b\u518d\u6bd4\u5982\u623f\u5c4b\u4fdd\u9669\uff0c\u7f8e\u56fd\u51e0\u4e4e\u90fd\u662f\u6728\u5934\u623f\u5b50\uff0c\u4f60\u61c2\u7684\u3002<\/p>\n<p>\u597d\u5728\u8fd9\u90e8\u5206\u7684\u64cd\u4f5c\u90fd\u5f88\u7b80\u5355\u76f4\u63a5\uff1a\u8f66\u9669\u662f\u5f3a\u5236\u7684\uff0c\u623f\u5c4b\u4fdd\u9669\u4e5f\u6ca1\u51e0\u4e2a\u94b1\uff0c\u9760\u8c31\u7684\u516c\u53f8\u90fd\u6709\u5f88\u597d\u7684\u533b\u4fdd\u8ba1\u5212\uff08\u81ea\u5df1\u8d1f\u62c5\u7684\u91d1\u989d\u6bcf\u6708\u4ece 100 \u5200\u5230\u5927\u51e0\u767e\u5200\u4e0d\u7b49\uff09\u4f5c\u4e3a\u5458\u5de5\u798f\u5229\u8ba1\u5212\u7684\u4e00\u90e8\u5206\uff0c\u4eba\u5bff\uff08\u6b64\u5904\u7279\u6307 term life\uff09\u548c Disability \u4e5f\u662f\u5458\u5de5\u798f\u5229\u8ba1\u5212\u7684\u4e00\u90e8\u5206\uff0c\u4e14\u90fd\u5f88\u4fbf\u5b9c\uff0c\u5c5e\u4e8e\u201c\u7ed9\u4e2b\u788e\u94b1\u201d\u7ea7\u522b\u7684\u4fbf\u5b9c\u3002<\/p>\n<p>\u603b\u4e4b\uff0c<strong>\u5728\u7f8e\u56fd\uff0c\u5404\u79cd\u4fdd\u9669\u771f\u7684\u4e0d\u80fd\u7f3a\u5c11<\/strong>\uff0c\u5426\u5219\u4efb\u4f55\u4e00\u70b9\u513f\u5c41\u4e8b\u513f\u964d\u4e34\u5728\u4f60\u5934\u4e0a\uff0c\u5bf9\u4f60\u4e2a\u4eba\u548c\u5bb6\u5ead\u7684\u8d22\u52a1\u51b2\u51fb\uff0c\u90fd\u662f\u6bc1\u706d\u6027\u7684\u3002<\/p>\n<p>\u4ee5\u4e0a\u57fa\u672c\u4e0a\u5c31\u662f\u4e00\u4e2a\u7a0e\u524d\u5e74\u6536\u5165\u5728 50k-100k \u7684\u4eba\uff0c\u5e94\u8be5\u505a\u4e5f\u6709\u80fd\u529b\u505a\u7684\u5168\u90e8\u4e86\u3002<\/p>\n<p>\u800c\u5982\u679c\u4e00\u4e2a\u5728\u7f8e\u4e2d\u56fd\u4eba\uff0c\u4e2a\u4eba \/ \u5bb6\u5ead\u5e74\u6536\u5165\u8fbe\u5230\u4e86 100k \u4ee5\u4e0a\uff0c\u751a\u81f3\u6709\u5f80\u201c\u5c0f\u5bcc\u201d\u7ea7\u522b\u9760\u62e2\u7684\u8ff9\u8c61\uff08\u5178\u578b\u5982\u592b\u59bb\u53cc\u65b9\u5747\u4e3a\u7801\u519c\u3001\u91d1\u878d\u3001\u5404\u79cd\u786c\u6280\u672f\u3001\u7edf\u8ba1\u5206\u6790\u3001\u533b\u751f\u3001\u5f8b\u5e08\u7b49\u7b49\uff09\uff0c\u5404\u79cd\u201c\u515c\u5e95\u201d\u7684\u4fdd\u9669\u81ea\u7136\u4e0d\u5728\u8bdd\u4e0b\uff0c\u800c\u7c7b\u4f3c 401k \u4e4b\u7c7b\u7684\u8d26\u6237\u516b\u6210\u4e5f\u653e\u6ee1\u4e86\uff0c\u90a3\u4e48\u63a5\u4e0b\u6765\uff0c<strong>\u53ef\u80fd\u7684\u201c\u7406\u8d22\u201d\u9009\u62e9\u4e3b\u8981\u6709\u4ee5\u4e0b\u51e0\u4e2a<\/strong>\uff1a<\/p>\n<p><strong>1\uff0c\u8ba9\u81ea\u5df1\u7684\u533b\u4fdd\u66f4\u7ed9\u529b<\/strong>\uff1a\u5982\u66f4\u5927\u7684\u533b\u4fdd\u8303\u7574\u3001\u66f4\u4f4e \/ \u6ca1\u6709\u81ea\u8d39\u90e8\u5206\u3001\u66f4\u9ad8\u7684\u4fdd\u989d\u3001\u66f4\u5e7f\u7684\u201c\u9ad8\u7ea7\u8bca\u6240\u8986\u76d6\u201d\u548c\u4f18\u5148\u3001\u5168\u65b9\u4f4d\u7684\u7259\u533b\u3001\u773c\u79d1\u9669\uff0c\u7b49\u7b49\u3002<\/p>\n<p>\u5176\u4e2d\uff0c\u4f55\u8c13\u201c\u66f4\u7ed9\u529b\u201d\uff1f\u65e0\u5916\u4e4e\u90a3\u51e0\u4e2a\u5f88\u5bb9\u6613\u7406\u89e3\u7684\u6982\u5ff5\uff1a\u8986\u76d6\u9762\u66f4\u5e7f\uff1bdeductable \u66f4\u4f4e\u751a\u81f3\u6ca1\u6709\uff1b\u6ca1\u6709 co-pay\uff1bco-insurance \u6bd4\u4f8b\u66f4\u4f4e\u6216\u6ca1\u6709\uff1bout-of-pocket limitation \u66f4\u4f4e\uff1b\u7b49\u7b49\u3002<\/p>\n<p>\u4f46\u201c\u66f4\u7ed9\u529b\u201d\u4e5f\u5e76\u4e0d\u610f\u5473\u7740\u201c\u66f4\u597d\u201d\uff0c\u56e0\u4e3a\u8fd9\u80cc\u540e\u6c38\u8fdc\u662f\u4e00\u4e2a\u6210\u672c\u6536\u76ca\u7684\u6e38\u620f\uff1a\u201c\u66f4\u7ed9\u529b\u201d\u4e5f\u610f\u5473\u7740\u4fdd\u8d39\u201c\u66f4\u8d35\u201d\u3002\u4e8e\u662f\uff0c\u5177\u4f53\u9009\u62e9\u8fd8\u662f\u8981\u770b\u4e2a\u4eba \/ \u5bb6\u5ead\u7684\u5177\u4f53\u9700\u6c42\u548c\u8eab\u4f53\u72b6\u51b5\u800c\u5b9a\u3002<\/p>\n<p>\u518d\u6709\u5c31\u662f\u5bf9\u57fa\u672c\u7684<strong>\u51e0\u79cd\u533b\u4fdd\u7c7b\u578b<\/strong>\u6709\u6982\u5ff5\u4e0a\u7684\u4e86\u89e3\uff1a<\/p>\n<p><strong>PPO<\/strong>\uff1a\u9002\u5408\u5168\u7f8e\u5404\u5904\u8d70\u52a8\u7684\u4eba\uff0c\u6216\u8005\u61d2\u5f97\u627e\u4e2a\u56fa\u5b9a\u7684\u201cprimary doctor\u201d\u7684\u4eba<\/p>\n<p><strong>HMO<\/strong>\uff1a\u51e1\u4e8b\u90fd\u9700\u8981\u5148\u53bb\u627e\u4f60\u7684 primary doctor\uff0c\u7136\u540e TA \u641e\u4e0d\u5b9a\u7684\u8bdd\uff0c\u9700\u8981 refer \u5230\u522b\u7684\u533b\u751f\u90a3\u91cc<\/p>\n<p><strong>EPO<\/strong>\uff1a\u7c7b\u4f3c PPO\uff0c\u4f46\u8303\u56f4\u4e0d\u662f\u5168\u56fd\uff0c\u800c\u662f\u5f53\u5730<\/p>\n<p>\u81f3\u4e8e<strong>\u7259\u533b\u548c\u773c\u79d1<\/strong>\uff0c\u4e5f\u662f\u53d6\u51b3\u4e8e\u5177\u4f53\u7684\u559c\u597d\uff1a\u4f60\u82e5\u5e76\u975e\u5178\u578b\u7684\u7f8e\u56fd\u4eba\uff0c\u5373\u5bf9\u7259\u9f7f\u7f8e\u89c2 \/ \u5065\u5eb7\u5e76\u4e0d\u662f\u5f88\u5728\u4e4e\uff0c\u751a\u81f3\u5df2\u7ecf\u5982\u6211\u56fd\u5f88\u591a\u4e2d\u5e74\u4eba\u4e00\u822c\uff0c\u7259\u9f7f\u65e9\u5c31\u6ca1\u6551\u4e86\uff0c\u90a3\u53ef\u80fd\u786e\u5b9e\u4e5f\u6ca1\u5fc5\u8981\uff1b\u518d\u6bd4\u5982\u8bf4\uff0c\u5982\u679c\u4f60\u7ecf\u5e38\u56de\u56fd\u7684\u8bdd\uff0c\u773c\u79d1\u4fdd\u9669\u53ef\u80fd\u4e5f\u6ca1\u5fc5\u8981\uff0c\u6bd5\u7adf\u6f58\u5bb6\u56ed\u8981\u6bd4\u4ec0\u4e48 Davis Vision \u4e4b\u6d41\u8981\u7ed9\u529b\u5f97\u591a\u3002<\/p>\n<p><strong>2\uff0c\u4ece\u7f8e\u56fd\u6700\u9760\u8c31\u51e0\u5927\u4eba\u5bff\u4fdd\u9669\u516c\u53f8<\/strong>\uff08\u5168\u7f8e\u8fd9\u6837\u7684\u516c\u53f8\u4e0d\u8d85\u8fc7 5 \u5bb6\uff09\uff0c<strong>\u641e\u4e00\u4e24\u4e2a\u5927\u989d\u7684 permanent life insurance<\/strong>\uff08\u5373\u56fd\u5185\u6240\u8c13\u201c\u50a8\u84c4\u578b\u4fdd\u9669\u201d\uff1f\uff09\u3002\u5176\u4e0e term life \u7684\u533a\u522b\u662f\uff1a<\/p>\n<p><strong>1) term life<\/strong>: \u7eaf\u7cb9\u7684\u515c\u5e95\u5de5\u5177\uff0c\u6bcf\u6708\u7684\u4fdd\u91d1\u76f4\u63a5\u5bf9\u5e94\u7cbe\u7b97\u5c42\u9762\u4e0a\u7684\u610f\u5916\u6b7b\u4ea1\u6982\u7387\uff0c\u4e8e\u662f\u5728\u5e74\u8f7b\u7684\u65f6\u5019\u975e\u5e38\u4fbf\u5b9c\uff0820-30 \u5200 \/ \u6708\uff0c\u5bf9\u5e94 100 \u4e07\u5200\u7684\u4fdd\u91d1\uff09\uff0c\u6ca1\u6709\u201c\u6295\u8d44\u201d\u7684\u90e8\u5206\uff0c\u4e8e\u662f\u5982\u679c\u610f\u5916\u59cb\u7ec8\u6ca1\u6709\u53d1\u751f\uff08\u5e0c\u671b\u5982\u6b64\uff09\uff0c\u6240\u6709\u4ea4\u8fc7\u7684\u4fdd\u91d1\uff0c\u90fd\u4ec5\u662f\u8d39\u7528\u3002\u4ec5\u9002\u7528\u4e8e 20-40 \u591a\u5c81\u7684\u201c\u5e74\u8f7b\u4eba\u201d\uff0c\u56e0\u4e3a\u518d\u5f80\u540e\uff0c\u4fdd\u8d39\u4f1a\u8d35\u5230\u4f60\u65e0\u6cd5\u627f\u62c5\u3002\uff08\u8fd9\u5f88\u597d\u7406\u89e3\uff1a\u4e00\u4e2a 100 \u5c81\u7684\u8001\u4eba\uff0c\u5982\u679c\u4e0a 100 \u4e07\u7684\u5bff\u9669\uff0c\u4ed6\u5f53\u5e74\u7684\u5408\u7406\u4fdd\u8d39\u662f\u591a\u5c11\uff1f\u7b54\u6848\u662f 99.9&#8230;\u4e07\uff09<\/p>\n<p><strong>2) permanent life<\/strong>: 100 \u4e07\u5200\u7684\u4fdd\u91d1\u5bf9\u5e94\u7684\u4fdd\u8d39\u4e0d\u662f 20-30 \u5200\u6bcf\u6708\uff0c\u800c\u5927\u4f53\u662f 400-500 \u5200 \/ \u6708\u3002\u4f46\u8fd9 400-500 \u5200\u4e4b\u4e2d\uff0c\u4e5f\u786e\u5b9e\u4ec5\u6709 20-30 \u5200\u662f\u7eaf\u7cb9\u5bf9\u5e94\u7cbe\u7b97\u5c42\u9762\u4e0a\u7684\u610f\u5916\u6b7b\u4ea1\u6982\u7387\uff0c\u800c\u5269\u4e0b\u7684\u90e8\u5206\uff0c\u90fd\u8fdb\u5165\u5230\u4e86\u8be5\u4fdd\u9669\u516c\u53f8\u4e00\u4e2a\u5927\u5230\u5927\u51e0\u767e\u4ebf\u81f3\u51e0\u5343\u4ebf\u7f8e\u91d1\u7684\u8d44\u91d1\u6c60\u91cc\uff0c\u8fdb\u884c\u9669\u8d44\u7684\u6295\u8d44\u7ba1\u7406\u3002\u5176\u903b\u8f91\u5728\u4e8e\uff0c\u968f\u7740\u4f60\u5728\u8fd9\u4e2a\u9669\u8d44\u6c60\u91cc\u7684\u4efd\u989d\u8d8a\u6765\u8d8a\u591a\uff0c\u4f60 100 \u4e07\u5200\u7684\u4fdd\u91d1\uff0c\u8d8a\u6765\u8d8a\u5927\u7684\u90e8\u5206\uff0c\u662f\u7531\u4f60\u81ea\u5df1\u5728\u9669\u8d44\u6c60\u91cc\u7684\u50a8\u84c4\u548c\u6295\u8d44\u6536\u76ca\u6765\u81ea\u6211\u4fdd\u8bc1\u7684\uff0c\u4ece\u800c\u4f60\u652f\u4ed8\u7684\u7eaf\u7cb9\u5bf9\u5e94\u7cbe\u7b97\u5c42\u9762\u7684\u610f\u5916\u6b7b\u4ea1\u6982\u7387\u7684\u7eaf\u8d39\u7528\u90e8\u5206\uff0c\u4f1a\u8d8a\u6765\u8d8a\u4f4e\u3002\u4e8e\u662f\uff0c\u54ea\u6015\u4f60\u7684\u4fdd\u5355\u6301\u6709\u5230\u4e86\u5f88\u5927\u5e74\u7eaa\uff08\u901a\u5e38\u4f1a\u88ab\u6301\u6709\u81f3\u81ea\u7136\u79bb\u4e16\uff09\uff0c\u8fd9\u90e8\u5206\u7eaf\u8d39\u7528\u4e5f\u4f9d\u7136\u80fd\u7ef4\u6301\u5728\u5f88\u4f4e\u7684\u5c42\u9762\uff0c\u4e14\u4f1a\u8d8a\u6765\u8d8a\u4f4e\uff0c\u800c\u4e0d\u4f1a\u50cf term life \u4e00\u6837\uff0c\u5230\u4e86 40-50 \u5c81\uff0c\u5c31\u8d35\u5230\u4f60\u8d1f\u62c5\u4e0d\u8d77\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u4f60\u7684\u4efd\u989d\u5728\u9669\u8d44\u6c60\u4e2d\u589e\u957f\u7684\u540c\u65f6\uff0c\u7cbe\u7b97\u5e08\u4f1a\u7ed9\u4f60\u4e00\u4e2a\u79f0\u4e3a\u201c\u73b0\u91d1\u4ef7\u503c\u201d\u7684\u6570\u5b57\u3002\u8fd9\u4e2a\u6570\u5b57\uff0c\u4f60\u53ef\u4ee5\u5927\u4f53\u4e0a\u8ba4\u4e3a\u7c7b\u4f3c\u4e8e\u4f60 401k \u4e2d\u7684\u8d44\u4ea7\uff1a\u6301\u6709\u671f\u95f4\u4e0d\u7528\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e\uff0c\u800c 59 \u5c81\u534a\u4e4b\u524d\u4e0d\u80fd\u53d6\u51fa\u6765\uff08\u4f46\u53ef\u4ee5\u4ee5\u6b64\u91d1\u989d\u4e3a\u62b5\u62bc\u7269\u53bb\u505a\u7528\u9014\u4e0d\u9650\u7684\u8d37\u6b3e\uff09<\/p>\n<p><strong>\u5bf9\u5e94\u7406\u8d22 \/ \u6295\u8d44\u7684\u201c\u4e94\u4e2a\u6307\u6807\u201d\uff0c\u5176\u4e0e\u5178\u578b\u7684 mutual fund \u7684\u533a\u522b\u5982\u4e0b<\/strong>\uff1a<\/p>\n<p>1) permanent life\uff1a\u9669\u8d44\u6c60\u5927\u5230\u51e0\u5343\u4ebf\u5200\uff0c\u5176\u6295\u8d44\u6807\u7684\u904d\u53ca\u4f60\u80fd\u60f3\u5230\u7684\u5168\u7403\u6240\u6709\u6295\u8d44\u54c1\uff08\u6574\u4e2a\u8d26\u6237\u90fd\u662f SEC exempted\uff0c\u7231\u5e72\u5565\u5e72\u5565\uff09\uff0c\u751a\u81f3\u662f\u6574\u4e2a\u516c\u53f8\u3002\u6700\u4f18\u79c0\u7684\u516c\u53f8\u7684\u6536\u76ca\u7387\u80fd\u52308%\u5de6\u53f3\uff0c\u4e14\u9669\u8d44\u6c60\u98ce\u9669\u80fd\u63a7\u5236\u5230\u7f8e\u56fd\u56fd\u503a\u7684\u6c34\u5e73\u3002\u8fd9 8%\u7684\u6536\u76ca\u7387\u53ea\u6709\u4f60\u6b7b\u540e\uff08\u610f\u5916\u6216\u8001\u6b7b\uff09\uff0c\u7531\u4f60\u7684\u5bb6\u65cf\u4eab\u53d7\u3002\u4f60\u81ea\u5df1\u751f\u524d\u80fd\u4eab\u53d7\u7684\u90e8\u5206\u53ea\u6709\u7cbe\u7b97\u5e08\u7ed9\u4f60\u7684 4%-5%\u7684\u201c\u73b0\u91d1\u4ef7\u503c\u201d\u90e8\u5206\uff08\u8fd9\u90e8\u5206\u7684\u98ce\u9669\uff0c\u7c7b\u4f3c\u4e8e checking account\uff09\u3002\u6301\u6709\u671f\u95f4\u4e0d\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e\uff0c59 \u5c81\u534a\u4e4b\u524d\u53d8\u73b0\u53d7\u9650\u5236\u3002\u6b7b\u540e\u7684\u4fdd\u91d1\u4e0d\u662f\u9057\u4ea7\u7684\u4e00\u90e8\u5206\uff0c\u4e0d\u4ea4\u9057\u4ea7\u7a0e\u3002<\/p>\n<p>2) mutual fund\uff1a\u5355\u4e2a fund \u5927\u70b9\u513f\u7684\u51e0\u5341\u4ebf\u5200\uff0c\u5176\u6295\u8d44\u6807\u7684\u6709\u660e\u786e\u7684\u9650\u5236\uff08\u80a1\u7968 \/ \u503a\u5238\uff0c\u4e0d\u4ee5\u6295\u673a\u4e3a\u76ee\u7684\u7684\u884d\u751f\u54c1\uff09\u3002\u6700\u4f18\u79c0\u7684\u516c\u53f8\u7684\u5178\u578b\u6536\u76ca\u7387\u80fd\u52306%-7%\uff0c\u5bf9\u5e94\u98ce\u9669&#8230;\u4e0d\u5927\u4e0d\u5c0f\u3002\u51e0\u4e4e\u53ef\u968f\u65f6\u53d8\u73b0\uff0c\u4f46\u6bcf\u5e74\u90fd\u9700\u8981\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e\u3002\u6b7b\u540e\u7684\u8d26\u9762\u4f59\u989d\u7b97\u4f5c\u9057\u4ea7\u7684\u4e00\u90e8\u5206\uff0c\u8ba1\u7b97\u9057\u4ea7\u7a0e\u3002<\/p>\n<p>\u4e8e\u662f\uff0c\u5728\u7f8e\u56fd\uff0c<strong>permanent life insurance \u4e3b\u8981\u5c31\u662f\u4e09\u4e2a\u529f\u80fd<\/strong>\uff1a1\uff0c\u5982\u540c term life\uff0c\u5e74\u8f7b\u65f6 hedge \u610f\u5916\u6302\u6389\u7684\u98ce\u9669\uff1b2\uff0c\u5229\u7528\u201c\u73b0\u91d1\u4ef7\u503c\u201d\u505a\u4e34\u65f6\u8d44\u91d1\u878d\u901a\u548c\u9000\u4f11\u91d1\u8865\u5145\uff0c\u7c7b\u4f3c\u4e00\u4e2a\u51e0\u4e4e\u96f6\u98ce\u9669\uff0c\u4f46\u6536\u76ca\u88ab\u9650\u5236\u5728 5%\u7684 401k\uff1b3\uff0c\u9057\u4ea7\u89c4\u5212\uff1a\u514d\u7a0e\u7559\u7ed9\u540e\u4ee3 \/ \u5bb6\u65cf\u4e00\u5927\u7b14\u94b1\u3002<\/p>\n<p><strong>Permanent life insurance<\/strong> \u662f\u4e2a\u597d\u4e1c\u897f\uff0c\u4f46\u5728\u7f8e\u56fd\uff0c\u4f9d\u7136\u662f\u4e2a\u5927\u5751\uff0c\u4e3b\u8981\u539f\u56e0\u662f\u516c\u53f8\u548c\u4ece\u4e1a\u4eba\u5458\u7d20\u8d28\u592a\u53c2\u5dee\u4e0d\u9f50\uff08\u8c8c\u4f3c\u60c5\u51b5\u4e0e\u56fd\u5185\u7c7b\u4f3c\uff09\u3002\u5728\u7f8e\u56fd\uff0c\u7279\u522b\u662f\u534e\u4eba\u5708\u5185\uff0c\u4e2a\u522b\u516c\u53f8\u7684\u5b89\u5229\u98ce\u683c\u592a\u8fc7\u65fa\u76db\uff08\u5728\u7f8e\u56fd\u957f\u671f\u751f\u6d3b\u8fc7\u7684\u4eba\u90fd\u61c2\u7684\uff0c\u5177\u4f53\u5c31\u4e0d\u70b9\u540d\u4e86\uff09\uff0c\u4e14\u63d0\u4f9b\u7684\u4ea7\u54c1\u6839\u672c\u4e0d\u7b26\u5408\u5bf9\u5e94\u4e2a\u4eba\u7684\u9700\u6c42\u3002\u8fd9\u91cc\u7ed9\u51fa\u51e0\u6761\u975e\u5e38\u4fbf\u6377\u7684<strong>\u5224\u65ad\u4f9d\u636e<\/strong>\uff0c\u5e94\u8be5\u53ef\u4ee5\u89c4\u907f\u7edd\u5927\u591a\u6570\u5927\u5751\uff1a<\/p>\n<p>1)\uff0c\u5982\u679c\u4e2a\u4eba\u6536\u5165\u5728 5-7 \u4e07\u7684\u6c34\u5e73\uff0c\u6216\u5bb6\u5ead\u6536\u5165\u5728 10-12 \u4e07\u4ee5\u4e0b\uff08\u90fd\u662f\u7ea6\u6570\uff09\uff0c\u6709\u4e2a term life \u5c31\u597d\u4e86\uff0c\u51e0\u4e4e\u65e0\u9700\u8003\u8651\u4efb\u4f55\u4efb\u4f55\u79cd\u7c7b\u7684 permanent life insurance\u3002<\/p>\n<p>2)\uff0c\u8fd9\u662f\u4e2a\u4fdd\u9669\uff0c\u800c\u4fdd\u9669\u4e0d\u662f\u6295\u8d44\u54c1\uff0c\u5c3d\u7ba1\u5176\u6709\u5f88\u68d2\u7684\u6295\u8d44\u90e8\u5206 &#8212; \u5c0f\u5fc3\u90a3\u4e9b\u5c06\u5176\u5305\u88c5\u6210\u5b8c\u7f8e\u6295\u8d44\u54c1\u7684\u4eba\u3002<\/p>\n<p>3)\uff0c\u5176\u6709\u4e00\u90e8\u5206\u8865\u5145\u517b\u8001\u91d1\u7684\u4f5c\u7528\uff0c\u4f46\u7edd\u5bf9\u65e0\u6cd5\u66ff\u4ee3\u7c7b\u4f3c 401k \u7b49\u517b\u8001\u8d26\u6237 &#8212; \u5c0f\u5fc3\u90a3\u4e9b\u5c06\u5176\u5305\u88c5\u6210 401k \u66f4\u597d\u7684\u66ff\u4ee3\u54c1\u7684\u4eba\u3002<\/p>\n<p>4)\uff0c\u5bf9\u4e8e\u7edd\u5927\u591a\u6570\u5728\u7f8e\u56fd\u5de5\u4f5c\u7684\u4e2d\u56fd\u4eba\u6765\u8bf4\uff0c\u7c7b\u4f3c\u201cVariable Life\u201d\uff0c\u201cUVL\u201d\uff08Universial Life \u591a\u5c11\u8fd8 make sense\uff09\uff0c\u5b8c\u5168\u4e0d\u5bf9\u8def\u5b50\u3002\u540c\u65f6\uff0c\u5f88\u591a\u4e0d\u9760\u8c31\u7684\u516c\u53f8\u4f1a\u5c06\u5176\u5305\u88c5\u6210\u4e00\u79cd\u53eb\u505a\u201c7702\u201d\u7684\u4e1c\u4e1c &#8212; \u4e16\u4e0a\u5e76\u6ca1\u6709\u8fd9\u79cd\u4e1c\u897f\uff0c\u6216\u8005\u8bf4\uff0c\u8fd9\u4ec5\u662f\u4e00\u4e2a\u5671\u5934\uff0c\u56e0\u4e3a\u5982\u201c401k\u201d\u4e00\u822c\uff0c\u201c7702\u201d\u4ec5\u662f IRS \u7684\u4e00\u4e2a Revenue Code \u4ee3\u53f7\uff0c\u59cb\u7ec8\u90fd\u6709\u3002<\/p>\n<p>5)\uff0c<strong>\u9760\u8c31\u7684\u516c\u53f8\u662f\u4e0d\u4f1a\u6210\u5929\u641e\u5ba3\u8bb2\u4f1a<\/strong>\u7684\uff0c\u7279\u522b\u662f\u5ba3\u8bb2\u4f1a\u91cc\u5168\u662f\u4e2d\u56fd\u4eba\u7684\u60c5\u51b5\u3002\u5728\u7f8e\u56fd\uff0c\u201c\u4f20\u9500 \/pyramid scheme\u201d\u662f\u5408\u6cd5\u7684\uff0c\u4f46\u5982\u679c\u78b0\u5230\u8fd9\u79cd\u516c\u53f8\uff0c\u5efa\u8bae\u6709\u591a\u8fdc\u8eb2\u591a\u8fdc\u3002<\/p>\n<p>6)\uff0c\u5982\u679c\u4e00\u4e2a\u516c\u53f8\u662f A\uff0c\u4f46\u5b83\u60f3\u8981\u5356\u7ed9\u4f60\u7684\u4e1c\u897f\u662f B \u516c\u53f8\u51fa\u7684\uff0c\u4e0d\u5982\u76f4\u63a5\u627e B \u516c\u53f8\u53bb\u4e70\uff0c\u66f4\u4e0d\u5982 B \u7684\u4e1c\u897f\u4e5f\u8c28\u614e\u53bb\u78b0\u3002\u540c\u65f6\uff0c\u5efa\u8bae\u4f60\u4ee5\u540e\u518d\u4e5f\u752d\u7406 A \u4e86\u3002<\/p>\n<p>7)\uff0c\u8fd9\u4e8b\u513f\u7406\u5e94\u662f\u4e00\u4e2a\u91d1\u878d \/ 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\u662f\u4e3a\u4e86\u5728\u66f4\u9ad8\u98ce\u9669\u4e0b\u8ffd\u6c42\u9ad8\u6536\u76ca\u548c\u9ad8\u6d41\u52a8\u6027\uff0cperm life \u5374\u662f\u4e3a\u4e86\u5728\u4f4e\u6d41\u52a8\u6027\u4e0b\u4fdd\u8bc1\u9ad8\u6536\u76ca\u548c\u51e0\u4e4e\u65e0\u98ce\u9669\u3002Perm life \u6700\u5927\u7684\u4f18\u52bf\u662f\u80fd\u8ba9\u4f60\u7684\u8d44\u91d1\u8fdb\u5165<strong>\u51e0\u5343\u4ebf<\/strong>\u7684\u9669\u91d1\u6c60\u4e2d\u8fd0\u4f5c\uff0c\u5df2\u8fbe\u5230\u751a\u81f3 5 \u4ee5\u4e0a\u7684 share ratio\uff1b\u800c\u4e0d\u662f\u5982 mutual fund \u4e00\u822c\uff0c\u8ba9\u4f60\u7684\u8d44\u91d1\u8fdb\u5165\u9876\u591a<strong>\u51e0\u5341\u4ebf<\/strong>\u89c4\u6a21\u7684\u6295\u8d44\u6c60\uff0c\u6765\u7ef4\u6301\u6700\u9ad8 1.X \u7684 share ratio\u3002\u800c\u6240\u6709\u7684 variable life\uff0c\u90fd\u4e0d\u662f\u67b6\u6784\u5728\u4e0a\u5343\u4ebf\u7684\u9669\u91d1\u6c60\u4e0a\u7684\uff0c\u800c\u662f\u51e0\u5341\u4ebf\u7684 mutual fund \u6027\u8d28\u7684\u6295\u8d44\u6c60\u4e0a\u7684\u3002\u8fd9\u79cd\u4e1c\u897f\u53ea\u6709\u5728\u6bd4\u5c14\u514b\u6797\u987f\u65f6\u671f\u7684\u7f8e\u56fd\uff08\u7ecf\u6d4e\u80a1\u5e02\u53cc\u75af\u6da8\uff09\uff0c\u624d\u591a\u5c11\u6709\u4e00\u4e9b\u4e9b\u77ed\u7ebf\u5408\u7406\u6027\u3002\u800c\u5728\u73b0\u5728\uff0c\u4ee5\u53ca\u8de8\u5ea6\u5927\u4e8e\u4e00\u4e2a\u7ecf\u6d4e\u5468\u671f\u7684\u65f6\u95f4\u5185\uff0c\u51e0\u4e4e\u60f3\u4e0d\u5230\u4efb\u4f55\u5408\u7406\u4e4b\u5904\u3002\u800c\u6b63\u662f\u8fd9\u79cd\u4e1c\u897f\uff0c\u88ab\u4e00\u4e9b\u4f20\u9500\u7ec4\u7ec7\u4eec\u8bf4\u5f97\u5929\u82b1\u4e71\u5760\uff0c\u4e14\u5f88\u6709\u53ef\u80fd\u662f projection \u524d\u51e0\u5e74\u770b\u4e0a\u53bb\u5f88\u7f8e\u597d\u3002\u63d0\u9192\u5404\u4f4d\u4e00\u5b9a\u8981\u5c0f\u5fc3\u518d\u5c0f\u5fc3\uff0c\u7406\u667a\u66f4\u7406\u667a\u3002<\/p>\n<p>\u6ce8\uff1a\u6b64\u5904\u65e0\u610f\u8d2c\u635f\u4efb\u4f55\u4eba\u7fa4\u3002\u5408\u6cd5\u5408\u64cd\u5b88\u4e14\u4e13\u4e1a\u5730\u8d5a\u94b1\uff0c\u662f\u6211\u80fd\u60f3\u5230\u7684\u4e16\u4e0a\u6700\u9ad8\u5c1a\u7684\u4e8b\u60c5\u4e4b\u4e00\u3002<\/p>\n<p>3\uff0c\u5404\u79cd\u91d1\u878d\u5e02\u573a\u6295\u8d44\u3002\u8fd9\u91cc\u6307\u7684\u662f\u6ca1\u6709\u4efb\u4f55\u7a0e\u6536\u5b89\u6392\u548c\u6d41\u52a8\u6027\u9650\u5236\u7684\u91d1\u878d\u6295\u8d44\uff0c\u5982\u81ea\u5df1\u7092\u80a1\u3001\u6295\u8d44 mutual fund\uff0c\u901a\u8fc7 money manager \u5f00\u8bbe\u7ba1\u7406 investment account \u7b49\u7b49\u3002<\/p>\n<p>\u6709\u5173\u81ea\u5df1\u7092\u80a1\uff0c\u4e2a\u4eba\u6001\u5ea6\u59cb\u7ec8\u662f\u4e0d\u5efa\u8bae\u51e0\u4e4e 100%\u7684\u4e2d\u4ea7\u9636\u7ea7\u78b0\u4e2a\u80a1\uff0c\u9664\u975e\u4f60\u4ec5\u662f\u7092\u7684\u73a9\u513f\u800c\u5df2\uff0c\u6216\u8005\u4f60\u81ea\u5df1\u771f\u7684\u6709 bulge bracket \u6216\u7f8e\u56fd\u5404\u5927 buy-side \u4eec\u7684 research and trading power\u3002<\/p>\n<p><strong>\u6709\u5173\u7092\u80a1\uff0c\u6709\u4e24\u5957\u5f88\u7ecf\u5178\u7684\u8bf4\u6cd5<\/strong>\uff1a<\/p>\n<p>1)\uff0cS&amp;P 500 \u5728\u8fd1 20 \u591a\u5e74\u91cc\u7684\u5e73\u5747\u56de\u62a5\u662f 8%\u591a\u4e00\u70b9\u70b9\uff0c\u4f46\u6ce2\u52a8\u5982\u8fc7\u5c71\u8f66\u4e00\u822c\u3002\u800c\u5728\u8fd9\u6f2b\u957f\u7684 5000 \u4e2a\u4ea4\u6613\u65e5\u91cc\uff0c\u53bb\u6389\u5176\u4e2d\u6700\u597d\u7684 20 \u4e2a\u4ea4\u6613\u65e5\uff0c\u8fd9\u4e2a\u6570\u5b57\u5c31\u53d8\u6210 4%\u5de6\u53f3\u4e86\uff1b\u518d\u53bb\u6389 20 \u4e2a\uff0c\u5c31\u662f 2%\u4e0d\u5230\u4e86\uff1b\u518d\u53bb\u6389 20 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20%\u4ee5\u4e0a\u201d\uff0c\u90a3\u4e48\u4ed6\u5c31\u662f\u5df4\u83f2\u7279\uff0c\u4f2f\u514b\u5e0c\u5c14\u54c8\u6492\u97e6\u5f88\u5feb\u5c31\u80fd\u662f\u4ed6\u7684\u4e86 &#8212; 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10%-15%\u7684\u4ee3\u4ef7\u53bb\u96c7\u7269\u4e1a\u66ff\u4f60\u7ba1\u7406\uff1b\u6700\u540e\uff0c\u7f8e\u56fd\u5e38\u5e74\u79df\u552e\u6bd4\u5e73\u5747\u5728 20 \u500d\u81f3 50 \u500d\u5de6\u53f3\uff0c\u5bf9\u5e94\u7684\u65e0\u6469\u64e6\u56de\u62a5\u4e5f\u5c31 2%-5%\uff0c\u7b97\u4e0a value \u4e0a\u6da8\uff0c\u7efc\u5408\u4e5f\u5c31 5%-8%\u3002\u7136\u540e\u6263\u4e86\u623f\u4ea7\u7a0e\uff0c\u6263\u4e86\u4fee\u4fee\u8865\u8865\u6216\u7269\u4e1a\u7ba1\u7406\u8d39\uff0c\u6263\u4e86\u7a7a\u79df\uff0c\u5c31\u7b97\u4e0d\u8003\u8651\u4f60\u623f\u4ea7 value \u672c\u8eab\u7684\u5de8\u5927\u4e0d\u786e\u5b9a\u6027\uff0c\u8fd8\u5269\u4e0b\u591a\u5c11\u4e86\uff1f<\/p>\n<p><strong>\u7ed3\u8bba<\/strong>\uff1a<\/p>\n<p>\u5728\u7f8e\u56fd\uff0c\u623f\u4ea7\u6295\u8d44\u4ec5\u5bf9\u4e24\u7c7b\u4eba\u6709\u610f\u4e49\uff1a1\uff0c\u771f\u6b63\u641e\u5546\u4e1a\u623f\u5730\u4ea7\u6295\u8d44\u5f00\u53d1\u548c\u8fd0\u8425\u7684\u6295\u8d44\u65b9\uff1b2\uff0c\u5de8\u5bcc\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u5bf9\u4e8e\u4e2d\u4ea7\u9636\u7ea7\uff0c\u623f\u4ea7\u5c31\u662f\u59a5\u59a5\u7684\u6d88\u8d39\u54c1\u3002\u5373\uff0c\u4f60\u60f3\u8981\u63d0\u5347\u751f\u6d3b\u8d28\u91cf\uff0c\u624d\u5e94\u8be5\u8003\u8651\u53bb\u4e70\u4e00\u4e2a\u66f4\u597d\u7684\u623f\u5b50\uff0c\u6216\u4e70\u51e0\u5904\u623f\u5b50\u3002\u800c\u5982\u679c\u4ec5\u662f\u60f3\u8981\u6295\u8d44\uff0c\u8bf7\u7262\u8bb0\uff1a<\/p>\n<p>\u7f8e\u56fd\u662f\u4e00\u4e2a\u5efa\u7acb\u5728\u91d1\u878d\u5e02\u573a\u4e0a\u7684\u56fd\u5bb6\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e8e\u662f\uff0c\u54ea\u6015\u4f60\u5c31\u662f\u5bf9\u6295\u8d44\u623f\u5730\u4ea7\u611f\u5174\u8da3\uff0c\u4e5f\u5e94\u8be5\u53bb\u9009\u62e9\u653e\u4e00\u90e8\u5206\u8d44\u91d1\u5728 REIT \u91cc(Real Estate Investment Trust)\uff0c\u800c\u4e0d\u662f\u81ea\u5df1\u8d4c\u7740\u8eab\u5bb6\u53bb\u8d9f\u6d51\u6c34\u3002<\/p>\n<p>\u4e8b\u5b9e\u4e0a\uff0c\u7f8e\u56fd\u653f\u5e9c\u59cb\u7ec8\u90fd\u5728\u7528\u4f60\u80fd\u60f3\u5230\u7684\u5404\u79cd\u5de5\u5177\uff0c\u9650\u5236\u4eba\u4eec\u628a\u5927\u91cf\u8d44\u4ea7\u51bb\u7ed3\u5728\u623f\u5730\u4ea7\u8fd9\u4e2a\u84c4\u6c34\u6c60\u91cc\u3002\u800c\u4f5c\u4e3a\u4e00\u4e2a\u53d1\u8fbe\u7684\u7ecf\u6d4e\u4f53\uff0c\u66f4\u662f\u5728\u5168\u529b\u907f\u514d\u5927\u6279\u6c11\u4f17\u53ef\u4ee5\u901a\u8fc7\u6536\u79df\u91d1\u6765\u8fc7\u4e0a\u7406\u60f3\u7684\u751f\u6d3b\u3002\uff08\u7f8e\u56fd\u653f\u5e9c\u7684\u753b\u5916\u97f3\uff1a\u522b\u8d56\u5728\u5bb6\u91cc\uff0c\u90fd\u7ed9\u8001\u5b50\u5de5\u4f5c\u53bb\uff01\u521b\u65b0\u53bb\uff01\u5b9e\u73b0\u7f8e\u56fd\u68a6\u53bb\uff01\uff09\u3002\u8fd9\u80cc\u540e\u7684\u539f\u56e0\u4e5f\u5f88\u7b80\u5355\uff1a\u4e00\u4e2a\u53d1\u8fbe\u7684\u7ecf\u6d4e\u4f53\uff0c\u7279\u522b\u662f\u7f8e\u56fd\u8fd9\u4e2a\u53ef\u4ee5\u5168\u7403\u5370\u94b1\u7684\u7ecf\u6d4e\u4f53\uff0c\u6700\u62c5\u5fc3\u4e0d\u662f\u901a\u8d27\u81a8\u80c0\uff0c\u800c\u662f\u8d44\u91d1\u8fd0\u8f6c\u4e0d\u826f\uff0c\u6c11\u4f17\u7edf\u7edf\u8eba\u5728 old money \u4e0a\u8fc7\u6ca1\u6709\u8ffd\u6c42\u7684\u65e5\u5b50\uff0c\u4ee5\u53ca\u7ed3\u6784\u6027\u4e27\u5931 social mobility\u3002<\/p>\n<p><strong>\u6700\u540e\uff0c\u8bf4\u4e00\u70b9\u513f\u6709\u5173\u4ee5\u4e0a\u63d0\u5230\u7684\u5168\u90e8\u201c\u4ea7\u54c1\u201d\u7684\u8d2d\u4e70\u201c\u6e20\u9053\u201d\u95ee\u9898<\/strong>\u3002<\/p>\n<p>\u6bcf\u4e00\u4e2a\u6709\u5174\u8da3\u8fdb\u884c\u6295\u8d44\u7406\u8d22\u7684\u4eba\uff0c\u90fd\u5e94\u8be5\u8d77\u7801\u641e\u6e05\u695a\u4ee5\u4e0b\u7684\u51e0\u4e2a\u6982\u5ff5\uff1a\u5356\u65b9\uff1b\u4e70\u65b9\uff1b\u5546\u4e1a\u94f6\u884c\uff1b\u7b2c\u4e09\u65b9\u4e2d\u4ecb \/ \u5e73\u53f0\u3002<\/p>\n<p>\u5356\u65b9\uff1a\u628a\u4f01\u4e1a\u7684\u80a1\u6743 \/ \u503a\u6743\u6253\u5305\u6210\u8bc1\u5238\uff0c\u5356\u51fa\u53bb\uff08\u4e3b\u8981\u4e3a\u6295\u8d44\u94f6\u884c\uff0c(\u4ee3)\u5356\u7684\u662f\u201c\u8bc1\u5238\u201d\uff09<\/p>\n<p>\u4e70\u65b9\uff1a\u628a\u6700\u7ec8\u6295\u8d44\u8005\u7684\u8d44\u91d1\u7ec4\u6210\u8d44\u91d1\u6c60\uff0c\u8d2d\u4e70\u4e00\u7ea7\u6216\u4e8c\u7ea7\u5e02\u573a\u4e0a\u7684\u8bc1\u5238\u8fdb\u884c\u6295\u8d44\u7ba1\u7406\uff08\u4e3b\u8981\u662f\u57fa\u91d1\u4fdd\u9669\uff0c\u4e70\u7684\u662f\u201c\u8bc1\u5238 \/ \u8d44\u4ea7\u6743\u8bc1\u201d\uff0c\u5356\u7684\u662f\u201c\u6295\u8d44\u4ea7\u54c1\u201d\uff09<\/p>\n<p>\u5546\u4e1a\u94f6\u884c\uff1a\u5438\u6536\u50a8\u84c4\uff0c\u53d1\u653e\u8d37\u6b3e\uff0c\u8d5a\u5229\u5dee<\/p>\n<p>\u7b2c\u4e09\u65b9\u4e2d\u4ecb \/ \u5e73\u53f0\uff1a\u6253\u5305\u9500\u552e \/ \u96f6\u552e\u522b\u7684\u516c\u53f8\u7684\u4ea7\u54c1<\/p>\n<p>\u800c\u56e0\u4e3a\u8fd1\u5341\u51e0\u5e74\u7684 deregulation \u6210\u98ce\uff0c\u4e00\u5bb6\u91d1\u878d\u673a\u6784\uff0c\u6709\u53ef\u80fd\u540c\u65f6\u626e\u6f14\u591a\u4e2a\u89d2\u8272\u3002\u5982\uff0c\u5546\u4e1a\u94f6\u884c\u5356\u57fa\u91d1\u5356\u4fdd\u9669\uff0c\u5c31\u626e\u6f14\u4e86\u7b2c\u4e09\u65b9\u89d2\u8272\uff1b\u5546\u4e1a\u94f6\u884c\u548c\u5356\u65b9\u5408\u5e76\uff0c\u5c31\u65e2\u662f\u5546\u884c\uff0c\u53c8\u662f\u6295\u884c\uff1b\u5356\u65b9\u5f88\u591a\u65f6\u5019\u81ea\u5df1\u4e5f\u6709\u4e0b\u5c5e\u7684\u57fa\u91d1\uff0c\u4e8e\u662f\u4e5f\u626e\u6f14\u4e86\u4e70\u65b9\u7684\u89d2\u8272\uff1b\u4e70\u65b9\u4e5f\u6709\u53ef\u80fd\u626e\u6f14\u7b2c\u4e09\u65b9\uff0c\u53bb\u9500\u552e\u522b\u5bb6\u7684\u4e1c\u897f\u3002<\/p>\n<p>\uff08\u4e2a\u4eba\u7684\u9884\u6d4b\u662f\uff0c\u672a\u6765\u5341\u5e74\uff0c\u867d\u7136\u7a0b\u5ea6\u4e0a\u4e0d\u4f1a\u592a\u5f7b\u5e95\uff0c\u4f46\u65b9\u5411\u4e0a\uff0c\u7f8e\u56fd\u5f88\u6709\u53ef\u80fd\u4f1a\u9000\u56de\u5230 1933 \u6a21\u5f0f\u3002\u770b\u597d Elizabeth Warren\uff0c\u6211\u4e2a\u4eba\u4e5f\u59cb\u7ec8\u53cd\u5bf9\u4efb\u4f55\u5f62\u5f0f\u7684\u6df7\u4e1a\u7ecf\u8425\u548c\u6240\u8c13 Too Big to Fail\u3002\uff09<\/p>\n<p><strong>\u603b\u7ed3<\/strong>\uff1a\u5bf9\u4e8e\u4e2a\u4eba\u6295\u8d44\u8005\uff0c\u53ef\u80fd\u63a5\u89e6\u5230\u7684\u4eba\u6709\uff0c\u7eaf\u4e70\u65b9\u3001\u626e\u6f14\u4e70\u65b9\u89d2\u8272\u7684\u5356\u65b9\u3001\u626e\u6f14\u7b2c\u4e09\u65b9\u89d2\u8272\u7684\u5356\u65b9\u3001\u4f5c\u4e3a\u7b2c\u4e09\u65b9\u7684\u5546\u884c\u3001\u5565\u90fd\u4e0d\u662f\u7684\u7b2c\u4e09\u65b9\u4e2d\u4ecb \/ 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A \u5bb6\u7684\u57fa\u91d1\uff0c\u76f4\u63a5\u8ddf A \u4e70\uff1b\u5982\u679c\u4f60\u8981 B \u5bb6\u7684\u4fdd\u9669\uff0c\u76f4\u63a5\u8ddf B \u4e70\uff1b\u5982\u679c\u4f60\u8d26\u6237\u5f00\u5728\u4e86\u67d0\u534e\u5c14\u8857\u5927\u9cc4\u65d7\u4e0b\uff0c\u751a\u81f3\u5176\u81ea\u8eab\u5c31\u6709\u57fa\u91d1 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\/ \u5e73\u53f0\uff0c\u5176\u5e76\u975e\u8d44\u4ea7\u7ea7\u522b\u4e0a\u7684\u5168\u7403 500 \u5f3a\u4e4b\u4e00\uff0c\u800c\u662f\u540d\u4e0d\u89c1\u7ecf\u4f20\uff0c\u751a\u81f3\u90fd\u65e0\u4ece\u4e86\u89e3\u8d44\u4ea7\u89c4\u6a21\u7684\u8bdd\uff0c\u4e0d\u7ba1\u5176\u51fa\u4e86\u4ec0\u4e48\u6837\u7684\u6240\u8c13\u201c\u4ea7\u54c1\u201d\uff0c\u5439\u5f97\u5982\u4f55\u5929\u82b1\u4e71\u5760\uff0c\u6c42\u4e0d\u8981\u518d\u5728\u79c1\u4fe1\u4e2d\u8be2\u95ee\u9760\u8c31\u4e0e\u5426\u3002\u56e0\u4e3a\u6211\u7684\u610f\u89c1\u5f88\u7edf\u4e00\uff1a\u5176\u4e2d\u6709\u4e00\u4e9b\u6216\u8bb8\u662f\u9760\u8c31\u7684\uff0c\u4f46\u6211\u5e76\u6ca1\u6709\u5174\u8da3\u53bb\u63a2\u7a76\uff0c\u800c\u4f60\u4e5f\u6ca1\u6709\u5fc5\u8981\u53bb\u63a2\u7a76\u3002\uff09<\/p>\n<p><strong>\u603b\u7ed3<\/strong>\uff1a<\/p>\n<p>1\uff0c\u4e0b\u5c42\u4e2d\u4ea7\u9636\u7ea7\uff1a\u7528\u5404\u79cd\u4fdd\u9669\u6765\u201c\u515c\u5e95\u201d\/ 401k-403b-IRA \/ \u5458\u5de5\u80a1\u7968 &#8211; \u671f\u6743\u8d2d\u4e70 \/ \u5f00\u59cb\u4e3a\u5b50\u5973\u6559\u80b2\u5b58\u94b1 \/ \u4e70\u4e2a\u4e0d\u9519\u7684\u623f\u5b50\u3002<\/p>\n<p>2\uff0c\u4e0a\u5c42\u4e2d\u4ea7\u9636\u7ea7 \/ \u5c0f\u5bcc\uff1a\u7528\u5404\u79cd\u4fdd\u9669\u6765\u201c\u515c\u5e95\u201d\/ \u5347\u7ea7\u533b\u4fdd \/ 401k-403b-IRA \u653e\u6ee1 \/ \u5458\u5de5\u80a1\u7968 &#8211; \u671f\u6743\u8d2d\u4e70 \/ \u5b50\u5973\u6559\u80b2\u57fa\u91d1 \/ \u4e70\u4e2a\u5f88\u68d2\u7684\u623f\u5b50 \/ mutual fund \/ permanent life insurance \/ wealth management &#8211; investment account \/ \u591a\u82b1\u94b1\u6765\u4eab\u53d7\u751f\u6d3b \/ \u6295\u8d44\u4e2a\u4e1a\u4f59\u7684\u5c0f\u751f\u610f\u3002<\/p>\n<p>3\uff0c\u201c\u5bcc\u8c6a\u201d\uff1a\u5404\u79cd\u5168\u65b9\u4f4d\u7684\u5168\u9762\u4fdd\u9669 \/ permanent life insurance \/ wealth management &#8211; investment account \/ \u4e0d\u53ef\u64a4\u9500\u4fe1\u6258 \/ taxation planning \/ \u5b9e\u4e1a\u548c\u5546\u4e1a\u5730\u4ea7\u6295\u8d44 \/ \u5b50\u5973\u6559\u80b2\u6295\u8d44 \/ \u5404\u79cd\u82b1\u94b1\u6765\u4eab\u53d7\u751f\u6d3b \/ \u653f\u6cbb\u732e\u91d1 \/ \u6148\u5584\u3002<\/p>\n<p><a href=\"https:\/\/www.amazon.com\/Beginners-Guide-Investing-Money-Smart\/dp\/1477463992\/?tag=usd0e-20\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1837\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/10\/1-52.png\" alt=\"1\" width=\"265\" height=\"392\" \/><\/a><\/p>\n<p style=\"text-align: center;\">\uff08<strong>\u626b\u63cf\u4e8c\u7ef4\u7801<span style=\"color: #0000ff;\">\u5206\u4eab<\/span><\/strong>\u6587\u7ae0\u5230<strong><span style=\"color: #0000ff;\">\u5fae\u4fe1<\/span><\/strong>\u6216<span style=\"color: #0000ff;\">QQ<strong>\u670b\u53cb\u5708<\/strong><\/span>\uff09<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/chart.googleapis.com\/chart?cht=qr&amp;chs=150x150&amp;choe=UTF-8&amp;chld=L|4&amp;chl=http:\/\/yibababa.com\/archives\/1835\" alt=\"QR \u7801\" width=\"150\" height=\"150\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f5c\u8005\uff1aFan Francis \u4e2d\u56fd\u4eba\u5728\u7f8e\u56fd\u5982\u4f55\u6210\u4e3a\u4e2d\u4ea7\u9636\u7ea7\uff1f\u6309\u7167\u7f8e\u56fd\u4e2d\u4ea7\u7684\u5927\u81f4\u5b9a &hellip; <a href=\"https:\/\/yibababa.com\/article\/archives\/1835\">\u7ee7\u7eed\u9605\u8bfb <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1835","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1835","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/comments?post=1835"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1835\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=1835"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=1835"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=1835"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}