{"id":3954,"date":"2019-09-13T15:46:23","date_gmt":"2019-09-13T19:46:23","guid":{"rendered":"https:\/\/www.yibababa.com\/?p=3954"},"modified":"2019-09-13T15:46:23","modified_gmt":"2019-09-13T19:46:23","slug":"%e7%be%8e%e5%9b%bd%e4%ba%ba%e9%80%80%e4%bc%91%e6%80%bb%e8%b5%84%e4%ba%a729-1%e4%b8%87%e4%ba%bf%e7%be%8e%e5%85%83","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/3954","title":{"rendered":"\u7f8e\u56fd\u4eba\u9000\u4f11\u603b\u8d44\u4ea729.1\u4e07\u4ebf\u7f8e\u5143"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3955\" src=\"https:\/\/www.yibababa.com\/wp-content\/uploads\/2019\/09\/4-4.png\" alt=\"retirement assets\" width=\"484\" height=\"338\" \/><\/p>\n<p>\u9000\u4f11\u540e\u5982\u4f55\u4fdd\u6301\u7a33\u5b9a\u7684\u751f\u6d3b\u8d28\u91cf\u662f\u8bb8\u591a\u8fdb\u5165\u8001\u9f84\u793e\u4f1a\u7684\u56fd\u5bb6\u5171\u540c\u9762\u5bf9\u7684\u95ee\u9898\uff0c\u7f8e\u56fd\u4e5f\u4e0d\u4f8b\u5916\u3002\u636e\u6295\u8d44\u516c\u53f8\u534f\u4f1a\u7edf\u8ba1\uff0c<span style=\"color: #ff0000;\">\u622a\u81f32019\u5e743\u6708\uff0c\u7f8e\u56fd\u4eba\u7684\u9000\u4f11\u8d44\u4ea7\u603b\u989d\u4e3a29.1\u4e07\u4ebf\u7f8e\u5143<\/span>\uff0c\u5360\u5bb6\u5ead\u603b\u8d22\u4ea7\u7684\u4e09\u5206\u4e4b\u4e00\uff1b\u4ee5\u73b0\u6709\u4eba\u53e33.29\u4ebf\u8ba1\u7b97\uff0c\u5e73\u5747\u6bcf\u4eba\u62e5\u6709\u9000\u4f11\u8d44\u4ea78.8\u4e07\u7f8e\u5143\u3002<\/p>\n<p>\u7f8e\u56fd\u76ee\u524d\u5b9e\u884c\u7684\u662f<span style=\"color: #ff0000;\">\u4e09\u7ba1\u9f50\u4e0b\u7684\u9000\u4f11\u91d1\u4fdd\u969c\u4f53\u7cfb<\/span>\uff1a\u4e00\u662f\u8054\u90a6\u653f\u5e9c\u63d0\u4f9b\u7684\u793e\u5b89\u4fdd\u969c\u91d1\uff08Social Security Benefit\uff09\u3001\u4e8c\u662f\u653f\u5e9c\u3001\u516c\u53f8\u5411\u5176\u96c7\u5458\u63d0\u4f9b\u7684\u517b\u8001\u91d1\uff08Pension\uff09\u3001\u4e09\u662f\u96c7\u5458\u4e2a\u4eba\u81ea\u5df1\u5b58\u4e0b\u7684\u9000\u4f11\u91d1\uff0c\u5305\u62ec\u5b9a\u989d\u4f9b\u6b3e\u8ba1\u5212\uff08Defined contribution plan\uff0c\u5373401K\u3001403K\u7b49\uff09\u3001\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff08IRA\uff09\u7b49\u3002\u6240\u4ee5\uff0c\u5728\u9000\u4f11\u8d22\u52a1\u7684\u5b89\u6392\u4e0a\uff0c\u53ef\u4ee5\u8bf4\u662f\u653f\u5e9c\u3001\u96c7\u4e3b\u3001\u96c7\u5458\u4e09\u8005\u5404\u51fa\u5176\u529b\u3002<\/p>\n<p>\u6295\u8d44\u516c\u53f8\u534f\u4f1a\uff08Investment Company Institute\uff09\u662f\u6295\u8d44\u516c\u53f8\u3001\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4ee5\u53ca\u6295\u8d44\u987e\u95ee\u7b49\u7684\u884c\u4e1a\u7ec4\u7ec7\uff0c\u5438\u5f15\u5927\u91cf\u517b\u8001\u91d1\u7ba1\u7406\u516c\u53f8\u53c2\u52a0\uff0c\u8be5\u534f\u4f1a\u53d1\u5e03\u7684\u5404\u9879\u6295\u8d44\u7ba1\u7406\u65b9\u9762\u7684\u7edf\u8ba1\u6570\u636e\u5e7f\u53d7\u5173\u6ce8\u3002\u4ece\u6295\u8d44\u516c\u53f8\u534f\u4f1a2019\u5e746\u670819\u65e5\u516c\u5e03\u7684\u6709\u5173\u7f8e\u56fd\u4eba\u9000\u4f11\u91d1\u603b\u8d44\u4ea7\u62a5\u544a\u663e\u793a\u7684\u6570\u636e\u770b\uff0c\u572829.1\u4e07\u4ebf\u7f8e\u5143\u7684\u9000\u4f11\u603b\u8d44\u4ea7\u4e2d\uff0c<span style=\"color: #ff0000;\">\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u4e3a9.4\u4e07\u4ebf\u3001\u5b9a\u989d\u4f9b\u6b3e\u8ba1\u5212\u4e3a8.15\u4e07\u4ebf\u7f8e\u5143\u3001\u96c7\u4e3b\u517b\u8001\u91d1\u4e3a9.4\u4e07\u4ebf\u7f8e\u5143\uff0c\u5e74\u91d1\uff08Annuity Reserves\uff09\u4e3a2.1\u4e07\u4ebf\u7f8e\u5143<\/span>\u3002<\/p>\n<p><span style=\"color: #ff0000;\">\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u662f\u96c7\u5458\u81ea\u5df1\u5728\u94f6\u884c\u6216\u6295\u8d44\u516c\u53f8\u5f00\u8bbe\u7684\u9000\u4f11\u8d26\u6237<\/span>\uff0c\u5176\u8fd0\u4f5c\u5b8c\u5168\u7531\u96c7\u5458\u4e2a\u4eba\u81ea\u5df1\u63a7\u5236\u3002\u6839\u636e\u89c4\u5b9a\uff0c\u6bcf\u5e74\u96c7\u5458\u53ef\u4ee5\u5728\u9000\u4f11\u8d26\u6237\u4e2d\u5b58\u5165\u4e00\u5b9a\u7684\u94b1\uff0c\u8fd9\u4e9b\u5b58\u5165\u7684\u94b1\u4e0d\u5fc5\u7f34\u7eb3\u5f53\u5e74\u7684\u6240\u5f97\u7a0e\uff0c\u901a\u8fc7\u7a0e\u6cd5\u7684\u4f18\u60e0\uff0c\u9f13\u52b1\u96c7\u5458\u5c06\u94b1\u5b58\u5230\u9000\u4f11\u8d26\u6237\u4e2d\u4ee5\u4e3a\u5c06\u6765\u4e4b\u9700\u3002\u6839\u636e\u89c4\u5b9a\uff0c<span style=\"color: #ff0000;\">2019\u5e74\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u53ef\u4ee5\u5b58\u5165\u7684\u514d\u7a0e\u7684\u94b1\u4e3a6000\u7f8e\u5143\uff0c\u8d85\u8fc750\u5c81\u7684\u4e3a7000\u7f8e\u5143<\/span>\u3002<\/p>\n<p><span style=\"color: #ff0000;\">\u5b9a\u989d\u4f9b\u6b3e\u8ba1\u5212\u662f\u96c7\u4e3b\u5f00\u8bbe\u7684\u96c7\u5458\u9000\u4f11\u8d26\u6237<\/span>\uff0c\u7531\u96c7\u4e3b\u63a7\u5236\uff0c\u96c7\u5458\u53ef\u4ee5\u5c06\u5de5\u8d44\u7684\u4e00\u90e8\u5206\u5b58\u5165\u5176\u4e2d\uff0c\u96c7\u4e3b\u5728\u96c7\u5458\u5b58\u6b3e\u7684\u57fa\u7840\u4e0a\uff0c\u6309\u4e00\u5b9a\u7684\u6bd4\u4f8b\u5b58\u5165\u4e00\u90e8\u5206\u94b1\uff0c\u4ee5\u6b64\u9f13\u52b1\u96c7\u5458\u5b58\u6b3e\u3002\u6839\u636e\u5b9a\u989d\u4f9b\u6b3e\u8ba1\u5212\u5b58\u5165\u9000\u4f11\u8d26\u6237\u7684\u94b1\u4e5f\u53ef\u4ee5\u514d\u4ea4\u5f53\u5e74\u6240\u5f97\u7a0e\uff0c<span style=\"color: #ff0000;\">2019\u5e74\u9650\u989d\u662f1.9\u4e07\u7f8e\u5143\uff0c\u8d85\u8fc750\u5c81\u7684\u4eba\u53ef\u4ee5\u591a\u5b586000\u7f8e\u5143<\/span>\u3002<\/p>\n<p><span style=\"color: #ff0000;\">\u517b\u8001\u91d1\u8ba1\u5212<\/span>\uff08Defined benefit pension plan\uff09\u662f\u96c7\u4e3b\u5728\u96c7\u5458\u5b58\u6b3e\u7684\u60c5\u51b5\u4e0b\uff0c\u6309\u89c4\u5b9a\u5728\u96c7\u5458\u9000\u4f11\u540e\u7ed9\u4e0e\u4e00\u6b21\u6027\u517b\u8001\u91d1\u6216\u6309\u6708\u53d1\u653e\u517b\u8001\u91d1\u3002\u76ee\u524d\u8054\u90a6\u3001\u5dde\u53ca\u5730\u65b9\u653f\u5e9c\u673a\u6784\u516c\u52a1\u5458\u591a\u5b9e\u65bd\u517b\u8001\u91d1\u8ba1\u5212\uff0c\u4e00\u4e9b\u5927\u578b\u79c1\u4eba\u516c\u53f8\u4e5f\u6709\u7c7b\u4f3c\u8ba1\u5212\uff0c\u4f46\u8d8b\u52bf\u662f\u8d8a\u6765\u8d8a\u5c11\uff0c\u5e76\u9010\u6b65\u5411\u5b9a\u989d\u4f9b\u6b3e\u8ba1\u5212\u8f6c\u53d8\u3002<\/p>\n<p>\u6295\u8d44\u516c\u53f8\u534f\u4f1a\u53d1\u5e03\u7684\u7edf\u8ba1\u6570\u636e\u663e\u793a\uff0c\u4e0e2018\u5e74\u7b2c\u56db\u5b63\u5ea6\u76f8\u6bd4\uff0c\u5404\u7c7b\u9000\u4f11\u8d44\u4ea7\u989d\u5747\u5728\u589e\u52a0\uff0c\u603b\u989d\u589e\u52a0\u4e867.4%\u3002<\/p>\n<p>\u6587\u7ae0\u6765\u6e90\uff1a<a href=\"https:\/\/share.america.gov\/zh-hans\/u-s-retirement-assets-hit-29-1-trillion\/\" target=\"_blank\"><span style=\"text-decoration: underline; color: #0000ff;\">\u96fe\u8c37\u98de\u9e3f<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.referyourchasecard.com\/2a\/DCN0JKQP4Q\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3943\" src=\"https:\/\/www.yibababa.com\/wp-content\/uploads\/2019\/09\/3-5.png\" alt=\"chase freedom\" width=\"976\" height=\"514\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9000\u4f11\u540e\u5982\u4f55\u4fdd\u6301\u7a33\u5b9a\u7684\u751f\u6d3b\u8d28\u91cf\u662f\u8bb8\u591a\u8fdb\u5165\u8001\u9f84\u793e\u4f1a\u7684\u56fd\u5bb6\u5171\u540c\u9762\u5bf9\u7684\u95ee\u9898\uff0c\u7f8e\u56fd\u4e5f\u4e0d\u4f8b\u5916 &hellip; <a href=\"https:\/\/yibababa.com\/article\/archives\/3954\">\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-3954","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/3954","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=3954"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/3954\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=3954"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=3954"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=3954"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}