{"id":119799,"date":"2024-12-11T11:27:23","date_gmt":"2024-12-11T11:27:23","guid":{"rendered":"https:\/\/gfssite.local\/%e5%b0%8f%e9%a2%9d%e6%8a%95%e8%b5%84-%e7%bb%88%e6%9e%81%e6%8a%95%e8%b5%84%e6%8c%87%e5%8d%97\/"},"modified":"2024-12-11T11:27:23","modified_gmt":"2024-12-11T11:27:23","slug":"%e5%b0%8f%e9%a2%9d%e6%8a%95%e8%b5%84-%e7%bb%88%e6%9e%81%e6%8a%95%e8%b5%84%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/zh-hans\/%e5%b0%8f%e9%a2%9d%e6%8a%95%e8%b5%84-%e7%bb%88%e6%9e%81%e6%8a%95%e8%b5%84%e6%8c%87%e5%8d%97\/","title":{"rendered":"\u5c0f\u989d\u6295\u8d44 – \u7ec8\u6781\u6295\u8d44\u6307\u5357"},"content":{"rendered":"

\u5c0f\u989d\u6295\u8d44<\/span><\/b> \u2013 \u6295\u8d44\u53d8\u5f97\u7b80\u5355\uff01<\/span><\/span><\/h2>\n

\u00a0<\/span><\/p>\n

\u8bb8\u591a\u4eba\u88ab\u5265\u593a\u4e86\u8d22\u52a1\u4e30\u5bcc\u7684\u672a\u6765\uff0c\u56e0\u4e3a\u4e00\u4e2a\u795e\u8bdd\u662f\uff0c\u4e3a\u4e86\u6295\u8d44\uff0c\u4f60\u9700\u8981\u5927\u91cf\u7684\u94b1\u3002\u4e8b\u5b9e\u6070\u6070\u76f8\u53cd\u3002\u5982\u4eca\uff0c\u6709\u5f88\u591a\u6295\u8d44\u9014\u5f84\u53ef\u4ee5\u8ba9\u60a8\u8fdb\u884c\u5c0f\u989d\u6295\u8d44\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u5728\u5c0f\u989d\u6295\u8d44\u7684\u5e2e\u52a9\u4e0b\uff0c\u591a\u5e74\u6765\u60a8\u5c06\u66f4\u5bb9\u6613\u521b\u9020\u5927\u91cf\u8d44\u91d1\u3002\u6bcf\u6708\u7559\u51fa 200 \u7f8e\u5143\u6bd4\u6bcf\u5e74\u79ef\u7d2f 3000 \u7f8e\u5143\u66f4\u5bb9\u6613\u3002\u56e0\u6b64\uff0c\u4e0e\u5176\u63a8\u8fdf\u548c\u63a8\u8fdf\u6295\u8d44\uff0c\u4e0d\u5982\u4ece\u5c0f\u5904\u7740\u624b\uff0c\u4f46\u5148\u8fc8\u51fa\u7b2c\u4e00\u6b65\u5e76\u5f00\u59cb\u6295\u8d44\u662f\u4e00\u4e2a\u66f4\u597d\u7684\u4e3b\u610f\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u5728\u4e0b\u9762\u7684\u6587\u7ae0\u4e2d\uff0c\u6211\u4eec\u5c06\u4e0e\u60a8\u5206\u4eab\u4e00\u4e9b\u60a8\u53ef\u4ee5\u9009\u62e9\u6295\u8d44\u4f4e\u81f3 100 \u7f8e\u5143\u7684\u6295\u8d44\u9014\u5f84\u3002\u6211\u4eec\u5c06\u4e3a\u60a8\u63d0\u4f9b\u5408\u9002\u7684\u84dd\u56fe\uff0c\u60a8\u53ef\u4ee5\u9075\u5faa\u8fd9\u4e9b\u84dd\u56fe\u6765\u5f00\u59cb\u60a8\u7684\u6295\u8d44\u4e4b\u65c5\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

1. \u5c0f\u989d\u6295\u8d44\u7406\u5ff5\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

\u8fdb\u884c\u5c0f\u989d\u6295\u8d44\u7684\u9014\u5f84\u5f88\u591a\u3002\u5b9a\u671f\u8fdb\u884c\u5c0f\u989d\u6295\u8d44\u7684\u597d\u5904\u662f\uff1a

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022 \u5bf9\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u6ca1\u6709\u91cd\u5927\u5f71\u54cd

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022 \u6613\u4e8e\u6309\u6708\u6295\u8d44

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022 \u4e00\u6bb5\u65f6\u95f4\u5185\u7684\u590d\u5408\u56de\u62a5

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u5f00\u59cb\u5c0f\u989d\u6295\u8d44\u7684\u6700\u7b80\u5355\u65b9\u6cd5\u4e4b\u4e00\u662f\u901a\u8fc7\u60a8\u7684 401\uff08k\uff09 \u8ba1\u5212\u3002\u5927\u591a\u6570\u516c\u53f8\u5141\u8bb8\u60a8\u5728\u9000\u4f11\u8d26\u6237\u4e2d\u4f9b\u6b3e\u4f4e\u81f3\u603b\u5de5\u8d44\u7684 1%\u3002\u8fd9\u786e\u4fdd\u60a8\u80fd\u591f\u4ee5\u5bf9\u60a8\u6765\u8bf4\u5fae\u4e0d\u8db3\u9053\u7684\u76f8\u5f53\u5c0f\u7684\u91d1\u989d\u5f00\u59cb\u60a8\u7684\u6295\u8d44\u4e4b\u65c5\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u6b64\u5916\uff0c\u6295\u8d44 401\uff08k\uff09 \u8ba1\u5212\u53ef\u786e\u4fdd\u60a8\u83b7\u5f97\u7a0e\u6536\u51cf\u514d\uff0c\u8fd9\u4e5f\u5c06\u5e2e\u52a9\u60a8\u7701\u94b1\u3002\u8bb8\u591a\u516c\u53f8\u8fd8\u4f1a\u5339\u914d\u60a8\u7684\u4f9b\u6b3e\uff0c\u4ee5\u4fbf\u6295\u8d44\u4e8e\u60a8\u7684 401\uff08k\uff09 \u8ba1\u5212\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u60a8\u53ef\u4ee5\u6162\u6162\u5c06\u91d1\u989d\u589e\u52a0\u5230 3%\uff0c\u968f\u7740\u60a8\u8d8a\u6765\u8d8a\u4e60\u60ef\u4e8e\u6295\u8d44\uff0c\u751a\u81f3\u53ef\u4ee5\u589e\u52a0\u3002\u8fd9\u53ea\u662f\u60a8\u53ef\u4ee5\u5bf9\u672a\u6765\u8fdb\u884c\u5c0f\u989d\u6295\u8d44\u7684\u4e00\u79cd\u65b9\u5f0f\u3002\u6839\u636e\u60a8\u7684\u77e5\u8bc6\u6c34\u5e73\uff0c\u60a8\u4e5f\u53ef\u4ee5\u6295\u8d44\u4e8e\u4e0d\u540c\u7684\u6295\u8d44\u9014\u5f84\uff0c\u6211\u4eec\u5c06\u5728\u4e0b\u9762\u7684\u90e8\u5206\u4e2d\u63d0\u5230\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

2. \u521d\u5b66\u8005\u7684\u5c0f\u989d\u6295\u8d44\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

\u4e00\u65e6\u8bb8\u591a\u4eba\u4e0b\u5b9a\u51b3\u5fc3\u6295\u8d44\uff0c\u53e6\u4e00\u4e2a\u53ef\u80fd\u6210\u4e3a\u969c\u788d\u7684\u95ee\u9898\u662f\u4ed6\u4eec\u9700\u8981\u7684\u77e5\u8bc6\u3002\u5982\u679c\u60a8\u4e0d\u77e5\u9053\u5982\u4f55\u5206\u6790\u6295\u8d44\u6216\u8ba1\u7b97\u6240\u8d5a\u53d6\u5229\u606f\u7684\u7a0e\u6b3e\uff0c\u90a3\u4e48\u4e3a\u81ea\u5df1\u9009\u62e9\u6295\u8d44\u9014\u5f84\u53ef\u80fd\u4f1a\u5f88\u590d\u6742\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u901a\u8fc7\u4e13\u5bb6\u6216\u7ecf\u7eaa\u4eba\u8fdb\u884c\u6295\u8d44\u53ef\u80fd\u662f\u60a8\u7684\u6700\u4f73\u9009\u62e9\u3002\u5982\u679c\u60a8\u7f3a\u4e4f\u6295\u8d44\u77e5\u8bc6\uff0c\u60a8\u53ef\u4ee5\u7ee7\u7eed\u4e3a\u521d\u5b66\u8005\u9009\u62e9\u8fd9\u4e9b\u6295\u8d44\u3002\u5b83\u4eec\u4e0d\u4ec5\u5141\u8bb8\u60a8\u8fdb\u884c\u5c0f\u989d\u6295\u8d44\uff0c\u800c\u4e14\u60a8\u7684\u51b3\u7b56\u5b8c\u5168\u6700\u5c0f\u5316\u3002\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u60a8\u7684\u8d44\u91d1\u5c06\u7531\u4e13\u5bb6\u7ba1\u7406\uff0c\u6216\u8005\u5c06\u501f\u7ed9\u516c\u53f8\u6216\u673a\u6784\uff0c\u8fd9\u5c06\u6d88\u9664\u5bf9\u60a8\u7684\u77e5\u8bc6\u7684\u9700\u6c42\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u9002\u5408\u521d\u5b66\u8005\u7684\u4e00\u4e9b\u5c0f\u6295\u8d44\u60f3\u6cd5\u662f\uff1a

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022 \u6307\u6570\u57fa\u91d1\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

\u6307\u6570\u57fa\u91d1\u662f\u5171\u540c\u57fa\u91d1\uff0c\u5b83\u50cf\u6807\u51c6\u666e\u5c14\u4e00\u6837\u6295\u8d44\u4e8e\u6574\u4e2a\u6307\u6570\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u7279\u5b9a\u80a1\u7968\u3002\u5b83\u4eec\u901a\u5e38\u4f1a\u53cd\u6620\u6307\u6570\u7684\u56de\u62a5\u3002\u5141\u8bb8\u60a8\u8fdb\u884c\u5c11\u91cf\u6295\u8d44\u7684\u4e24\u79cd\u6b64\u7c7b\u6307\u6570\u57fa\u91d1\u662f\uff1a

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u5609\u4fe1 S&P 500 \u6307\u6570\uff1a\u8be5\u57fa\u91d1\u5141\u8bb8\u60a8\u6295\u8d44\u4f4e\u81f3 100 \u7f8e\u5143\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u5609\u4fe1\u7406\u8d22\u5c0f\u76d8\u80a1\u6307\u6570\uff1a\u8be5\u57fa\u91d1\u9075\u5faa\u5c0f\u76d8\u80a1\u6307\u6570\uff0c\u63a5\u53d7\u4f4e\u81f3 100 \u7f8e\u5143\u7684\u6295\u8d44\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u56e0\u6b64\uff0c\u6839\u636e\u60a8\u7684\u98ce\u9669\u504f\u597d\uff0c\u60a8\u53ef\u4ee5\u8f7b\u677e\u5730\u5728\u4e0d\u540c\u7684\u6307\u6570\u57fa\u91d1\u4e4b\u95f4\u8fdb\u884c\u9009\u62e9\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022\u56fd\u503a\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

\u56fd\u503a\u662f\u60a8\u5411\u7f8e\u56fd\u653f\u5e9c\u501f\u6b3e\u7684\u91d1\u878d\u5de5\u5177\u3002\u60a8\u53ef\u4ee5\u76f4\u63a5\u901a\u8fc7\u503a\u5238\u95e8\u6237 Treasury Direct \u8d2d\u4e70\u5b83\u4eec\u3002\u5c3d\u7ba1\u60a8\u4ece\u8fd9\u4e9b\u8bc1\u5238\u4e0a\u8d5a\u53d6\u7684\u5229\u606f\u5e76\u4e0d\u9ad8\uff0c\u4f46\u5b83\u662f\u5f00\u59cb\u548c\u7406\u89e3\u6295\u8d44\u8bc1\u5238\u503a\u5238\u6982\u5ff5\u7684\u597d\u5730\u65b9\u3002\u60a8\u53ef\u4ee5\u6295\u8d44\u77ed\u81f3 30 \u5929\u751a\u81f3 30 \u5e74\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u6700\u4f4e\u6295\u8d44\u9762\u989d\u4ec5\u4e3a 100 \u7f8e\u5143\u3002\u60a8\u751a\u81f3\u53ef\u4ee5\u9009\u62e9\u56fd\u5e93\u81a8\u80c0\u7684\u53d7\u4fdd\u62a4\u8bc1\u5238\uff0c\u8fd9\u4e9b\u8bc1\u5238\u4f1a\u4e0d\u65f6\u8c03\u6574\u60a8\u7684\u6295\u8d44\uff0c\u4e3a\u60a8\u63d0\u4f9b\u57fa\u4e8e\u9ad8\u901a\u80c0\u7684\u7f13\u51b2\u3002\u8fd9\u662f\u6839\u636e\u6d88\u8d39\u8005\u4ef7\u683c\u6307\u6570\u5b8c\u6210\u7684\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022 \u5149\u76d8\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

CD \u4ee3\u8868\u5b58\u6b3e\u8bc1\u660e\u3002\u8fd9\u4e9b\u662f\u7531\u94f6\u884c\u3001\u50a8\u84c4\u673a\u6784\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u53d1\u884c\u7684\u91d1\u878d\u4ea7\u54c1\u3002\u60a8\u53ef\u4ee5\u5411\u8fd9\u4e9b\u673a\u6784\u501f\u94b1\u5e76\u8d5a\u53d6\u5229\u606f\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u76ee\u524d\u63a5\u53d7\u8f83\u5c0f\u6295\u8d44\u7684\u4e00\u4e9b CD \u662f\uff1a

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u9ad8\u76db\u94f6\u884c\uff1a\u60a8\u53ef\u4ee5\u6295\u8d44\u4f4e\u81f3 500 \u7f8e\u5143\u7684 CD\uff0c\u6700\u77ed\u671f\u9650\u4e3a 6 \u4e2a\u6708\uff0c\u6700\u957f\u671f\u9650\u4e3a 6 \u5e74\u3002\u5e74\u5229\u7387\u5728 0.6% \u5230 2.45% \u4e4b\u95f4\u53d8\u5316\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u76df\u53cb\u94f6\u884c\uff1a Ally bank \u5141\u8bb8\u60a8\u6295\u8d44\u5176 CD \u4e2d\u83b7\u5f97\u7684\u5c3d\u53ef\u80fd\u5c11\u7684\u91d1\u989d\u3002\u5229\u7387\u5728 0.3% \u5230 2.25% \u4e4b\u95f4\u3002\u6295\u8d44\u671f\u9650\u4ece 3 \u4e2a\u6708\u5230 5 \u5e74\u4e0d\u7b49\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u521d\u5b66\u8005\u6295\u8d44 CD \u7684\u4e3b\u8981\u539f\u56e0\u662f\uff0c\u4e0e\u5176\u4ed6\u91d1\u878d\u5de5\u5177\u76f8\u6bd4\uff0c\u5b83\u4eec\u66f4\u52a0\u5b89\u5168\u3002\u60a8\u53ef\u4ee5\u4ece\u6211\u4eec\u4e0a\u9762\u5217\u51fa\u7684\u4e24\u4e2a\u9009\u9879\u5f00\u59cb\uff0c\u56e0\u4e3a\u5b83\u4eec\u5141\u8bb8\u6295\u8d44\u8f83\u5c0f\u7684\u91d1\u989d\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

3. \u5c0f\u989d\u6295\u8d44\u673a\u4f1a\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

\u5c0f\u7684\u6295\u8d44\u673a\u4f1a\u901a\u5e38\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5728\u4e00\u6bb5\u65f6\u95f4\u5185\u521b\u5efa\u5927\u578b\u8bed\u6599\u5e93\u3002\u5f53\u60a8\u67e5\u770b\u5404\u79cd\u673a\u6784\u63d0\u4f9b\u7684\u91d1\u878d\u4ea7\u54c1\u65f6\uff0c\u4e0d\u4e4f\u8fd9\u6837\u7684\u673a\u4f1a\u3002\u6211\u4eec\u5217\u51fa\u4e86 5 \u4e2a\u8fd9\u6837\u7684\u4e0d\u540c\u673a\u4f1a\uff0c\u53ef\u8ba9\u60a8\u8fdb\u884c\u8f83\u5c0f\u7684\u6295\u8d44\u3002

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u2022\u6dcc\uff1a

<\/p><\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

DRIP \u4ee3\u8868\u80a1\u606f\u518d\u6295\u8d44\u8ba1\u5212\u3002\u8fd9\u4e9b\u8ba1\u5212\u5141\u8bb8\u6295\u8d44\u8005\u76f4\u63a5\u4ece\u516c\u53f8\u8d2d\u4e70\u80a1\u7968\uff0c\u800c\u65e0\u9700\u901a\u8fc7\u7ecf\u7eaa\u4eba\u8fdb\u884c\u6295\u8d44\u3002\u53ea\u8981\u60a8\u6709\u80fd\u529b\u8d2d\u4e70\u4e00\u53ea\u80a1\u7968\uff0c\u60a8\u5c31\u53ef\u4ee5\u901a\u8fc7\u8fd9\u4e9b\u8ba1\u5212\u8d2d\u4e70\u3002\u8fd9\u4e9b\u8ba1\u5212\u7684\u597d\u5904\u5305\u62ec\uff1a

<\/p><\/span><\/p>\n

\u00a0<\/span><\/p>\n

\n<\/p>

    \n
  • \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u6210\u672c\u5e73\u5747\u6cd5<\/span><\/li>\n
  • \u00a0<\/li>\n
  • \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u80a1\u606f\u518d\u6295\u8d44<\/span><\/li>\n
  • \u00a0<\/li>\n
  • \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u51e0\u4e4e\u6ca1\u6709\u8d39\u7528<\/span><\/li>\n<\/ul>\n

    <\/p>\n

    \u00a0<\/span><\/p>\n

    \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span>\u76ee\u524d\uff0c\u6700\u597d\u7684 3 \u4e2a DRIP \u5305\u62ec\uff1a<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

    <\/span><\/p>\n

      \n
    • 3M \u516c\u53f8<\/li>\n<\/ul>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u5f3a\u751f

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u8377\u7f8e\u5c14\u98df\u54c1

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u60a8\u53ef\u4ee5\u4f7f\u7528\u8fd9 3 \u4e2a\u8ba1\u5212\u5f00\u59cb\u5bf9 DRIP \u8fdb\u884c\u5c0f\u989d\u6295\u8d44\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u2022 \u4e2a\u80a1\uff1a

      <\/p><\/span><\/b><\/p>\n

      \u00a0<\/span><\/p>\n

      \u76f4\u5230\u51e0\u5e74\u524d\uff0c\u60a8\u8fd8\u4e0d\u53ef\u80fd\u5c06\u5c11\u91cf\u8d44\u91d1\u6295\u8d44\u4e8e 500 \u7f8e\u5143\u7b49\u80a1\u7968\u3002\u5982\u4eca\uff0c\u5728\u6298\u6263\u7ecf\u7eaa\u4eba\u7684\u5e2e\u52a9\u4e0b\uff0c\u60a8\u53ef\u4ee5\u8d1f\u62c5\u5f97\u8d77\u6295\u8d44\u5c11\u4e8e 500 \u7f8e\u5143\u7684\u91d1\u989d\u3002\u8fd9\u4e9b\u7ecf\u7eaa\u4eba\u5bf9\u6bcf\u7b14\u4ea4\u6613\u5411\u60a8\u6536\u53d6\u56fa\u5b9a\u8d39\u7528\uff0c\u4ee5\u786e\u4fdd\u53ef\u4ee5\u6295\u8d44\u66f4\u5c0f\u7684\u91d1\u989d\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u60a8\u53ef\u4ee5\u4f7f\u7528\u7684\u4e00\u4e9b\u6298\u6263\u7ecf\u7eaa\u4eba\u662f\uff1a

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u7f8e\u5229\u8bc1\u5238

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u53f2\u8003\u7279

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u8d38\u6613\u738b

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u9664\u4e86\u8fd9\u4e9b\u6298\u6263\u7ecf\u7eaa\u4eba\u4e4b\u5916\uff0c\u60a8\u8fd8\u53ef\u4ee5\u4f7f\u7528\u50cf Loyal3 \u8fd9\u6837\u7684\u7ecf\u7eaa\u4eba\uff0c\u5b83\u4eec\u751a\u81f3\u5141\u8bb8\u60a8\u90e8\u5206\u62e5\u6709\u5355\u4e00\u80a1\u7968\u7684\u6240\u6709\u6743\u3002\u8fd9\u4f7f\u60a8\u80fd\u591f\u6295\u8d44\u975e\u5e38\u5c11\u91cf\u7684\u8d44\u91d1\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u2022 \u5171\u540c\u57fa\u91d1\uff1a

      <\/p><\/span><\/b><\/p>\n

      \u00a0<\/span><\/p>\n

      \u4e00\u822c\u7684\u6982\u5ff5\u662f\u5171\u540c\u57fa\u91d1\u9700\u8981\u6570\u5343\u7f8e\u5143\u7684\u6295\u8d44\u3002\u8fd9\u6839\u672c\u4e0d\u662f\u771f\u7684\u3002\u6709\u8bb8\u591a\u5171\u540c\u57fa\u91d1\u5141\u8bb8\u60a8\u6295\u8d44\u4e0d\u5230 500 \u7f8e\u5143\u3002\u5728\u50cf TD Ameritrade \u8fd9\u6837\u7684\u5e73\u53f0\u4e0a\u8fdb\u884c\u4e00\u6b21\u641c\u7d22\u5c06\u5e2e\u52a9\u60a8\u53d1\u73b0 300 \u53ea\u6700\u4f4e\u6295\u8d44\u989d\u4e3a 100 \u7f8e\u5143\u7684\u6b64\u7c7b\u5171\u540c\u57fa\u91d1\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u4e00\u4e9b\u5141\u8bb8\u6295\u8d44 100 \u7f8e\u5143\u4e14\u8868\u73b0\u826f\u597d\u7684\u5171\u540c\u57fa\u91d1\u662f\uff1a

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u5609\u4fe1\u7406\u8d22\u5927\u578b\u57fa\u91d1

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u8d1d\u83b1\u5fb7\u5e73\u8861\u8d44\u672c

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u5609\u4fe1\u7406\u8d22\u5e73\u8861\u57fa\u91d1

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u901a\u8fc7\u5171\u540c\u57fa\u91d1\u6295\u8d44\u7684\u597d\u5904\u662f\u60a8\u53ef\u4ee5\u8ba9\u4e13\u4e1a\u4eba\u58eb\u7ba1\u7406\u60a8\u7684\u8d44\u91d1\u3002\u60a8\u65e0\u9700\u62c5\u5fc3\u5206\u6790\u516c\u53f8\u7684\u8d22\u52a1\u62a5\u8868\u6216\u5e74\u5ea6\u62a5\u544a\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u2022 \u4ea4\u6613\u6240\u4e70\u5356\u57fa\u91d1 \uff08ETF\uff09\uff1a

      <\/p><\/span><\/b><\/p>\n

      \u00a0<\/span><\/p>\n

      ETF \u4ee3\u8868\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\u3002\u8fd9\u4e9b\u4ea4\u6613\u5c31\u50cf\u4ea4\u6613\u6240\u7684\u80a1\u7968\u4e00\u6837\u3002\u5b83\u4eec\u53ef\u4ee5\u50cf\u80a1\u7968\u4e00\u6837\u4ee5 1 \u4e2a\u5355\u4f4d\u7684\u9762\u989d\u8d2d\u4e70\u3002\u56e0\u6b64\uff0c\u5982\u679c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\u7684\u4ea4\u6613\u4ef7\u683c\u4e3a 129 \u7f8e\u5143\uff0c\u60a8\u53ef\u4ee5\u4ee5 129 \u7f8e\u5143\u7684\u4ef7\u683c\u8d2d\u4e70\u5355\u4e2a\u5355\u4f4d\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u60a8\u4e5f\u53ef\u4ee5\u5c06\u5c11\u91cf\u8d44\u91d1\u6295\u8d44\u4e8e\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\u7684\u539f\u56e0\u3002\u60a8\u53ef\u4ee5\u6295\u8d44\u5c11\u91cf\u7684\u4e00\u4e9b ETF \u662f\uff1a

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>Vanguard \u6807\u51c6\u666e\u5c14 500 ETF

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>S&P \u533a\u57df\u94f6\u884c ETF

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>iShares \u7f8e\u56fd\u4f18\u5148\u80a1 ETF

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u8fd8\u6709\u8bb8\u591a\u5176\u4ed6 ETF \u7684\u5355\u4ef7\u4f4e\u4e8e 500 \u7f8e\u5143\uff0c\u56e0\u6b64\uff0c\u60a8\u53ef\u4ee5\u8f7b\u677e\u8d2d\u4e70\u5355\u4e2a\u5355\u4f4d\u3002\u60a8\u53ef\u4ee5\u4f7f\u7528\u4e00\u4e9b\u7ecf\u7eaa\u4eba\u6765\u8d2d\u4e70 ETF \u800c\u4e0d\u4f1a\u4ea7\u751f\u4efb\u4f55\u8d39\u7528\uff1a

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>E*Trade \uff08117 \u53ea\u514d\u4f63\u91d1 ETF\uff09

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u5fb7\u7f8e\u5229\u8bc1\u5238\uff08101 \u53ea\u514d\u4f63\u91d1 ETF\uff09

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u5609\u4fe1\u7406\u8d22\uff08200+ \u514d\u4f63\u91d1 ETF\uff09

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u901a\u8fc7\u8fd9\u4e9b\u7ecf\u7eaa\u4eba\u6295\u8d44 ETF \u5c06\u786e\u4fdd\u60a8\u4e0d\u4ec5\u80fd\u591f\u6295\u8d44\u8f83\u5c0f\u7684\u91d1\u989d\uff0c\u8fd8\u53ef\u4ee5\u907f\u514d\u4efb\u4f55\u5f62\u5f0f\u7684\u989d\u5916\u8d39\u7528\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u2022 P2P \u501f\u8d37\uff1a

      <\/p><\/span><\/b><\/p>\n

      \u00a0<\/span><\/p>\n

      P2P \u501f\u8d37\u6d89\u53ca\u4ee5\u8f83\u5c0f\u7684\u91d1\u989d\u5411\u5176\u4ed6\u4e2a\u4eba\u501f\u8d37\u3002\u60a8\u53ef\u4ee5\u4ece\u4e0d\u5230 25 \u7f8e\u5143\u5f00\u59cb\u3002\u8fd9\u786e\u4fdd\u60a8\u80fd\u591f\u5728\u4e0d\u901a\u8fc7\u4efb\u4f55\u91d1\u878d\u673a\u6784\u7684\u60c5\u51b5\u4e0b\u8fdb\u884c\u6295\u8d44\u3002\u501f\u6b3e\u4eba\u5c06\u8bf4\u660e\u8d37\u6b3e\u7684\u76ee\u7684\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u60a8\u8fd8\u53ef\u4ee5\u8bbf\u95ee\u501f\u6b3e\u4eba\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u7136\u540e\uff0c\u60a8\u53ef\u4ee5\u51b3\u5b9a\u662f\u5426\u8981\u501f\u94b1\u7ed9\u4ed6\u4eec\u3002\u5168\u90e8\u91d1\u989d\u5206\u914d\u7ed9\u591a\u4e2a\u8d37\u65b9\u4ee5\u5206\u6563\u98ce\u9669\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u60a8\u6bcf\u5e74\u53ef\u4ee5\u8d5a\u53d6\u7684\u5e74\u5229\u606f\u5728 5% \u5230 7% \u4e4b\u95f4\u3002\u4e00\u4e9b\u5141\u8bb8\u60a8\u901a\u8fc7 P2P \u501f\u8d37\u8fdb\u884c\u4f4e\u989d\u6295\u8d44\u7684\u7f51\u7ad9\u5305\u62ec\uff1a

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>\u501f\u8d37\u4ff1\u4e50\u90e8

      <\/p><\/span><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span>\u7e41\u8363

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u56e0\u6b64\uff0c\u65e0\u6cd5\u5927\u91cf\u50a8\u84c4\u4e0d\u518d\u662f\u6295\u8d44\u7684\u969c\u788d\u3002\u60a8\u53ef\u4ee5\u501f\u52a9\u6211\u4eec\u4e0a\u9762\u5206\u4eab\u7684\u4f17\u591a\u6295\u8d44\u9014\u5f84\u6295\u8d44\u4f4e\u81f3 25 \u7f8e\u5143\u7684\u5c0f\u9762\u989d\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u5c0f\u989d\u6295\u8d44\u603b\u7ed3

      <\/p><\/span><\/b><\/p>\n

      \u4ece\u4e0a\u9762\u7684\u8bc4\u8bba\u4e2d\u53ef\u4ee5\u770b\u51fa\uff0c\u53ef\u4ee5\u6295\u8d44\u5c11\u91cf\u8d44\u91d1\uff0c\u8fd9\u5c06\u4f7f\u60a8\u80fd\u591f\u4e3a\u672a\u6765\u7684\u4e2a\u4eba\u548c\u5bb6\u5ead\u8d22\u52a1\u79ef\u7d2f\u8d44\u91d1\u3002

      <\/p><\/span><\/p>\n

      \u60a8\u9700\u8981\u505a\u7684\u5c31\u662f\u9009\u62e9\u60a8\u559c\u6b22\u7684\u8def\u7ebf\u548c\u6295\u8d44\uff0c\u7136\u540e\u5f00\u59cb\u6784\u5efa\u81ea\u5df1\u7684\u5c0f\u578b\u6295\u8d44\u7ec4\u5408\uff0c\u8be5\u6295\u8d44\u7ec4\u5408\u5c06\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u5448\u6307\u6570\u7ea7\u589e\u957f\u3002

      <\/p><\/span><\/p>\n

      \u00a0<\/span><\/p>\n

      \u6280\u5de7

      <\/p><\/span><\/b><\/p>\n

      \u5982\u679c\u60a8\u6709\u5174\u8da3\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u5c0f\u989d\u6295\u8d44\u7684\u4fe1\u606f\uff0c\u5e76\u5e0c\u671b\u638c\u63a7\u81ea\u5df1\u7684\u4e2a\u4eba\u8d22\u52a1\u72b6\u51b5\uff0c\u90a3\u4e48\u60a8\u53ef\u4ee5\u5148\u9605\u8bfb\u4ee5\u4e0b\u5185\u5bb9\uff1a

      <\/p><\/span><\/p>\n

      \u521d\u5b66\u8005\u7684\u6295\u8d44<\/a><\/strong>

      <\/p><\/span><\/p>\n\n


      <\/p><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      \u5c0f\u989d\u6295\u8d44 \u2013 \u6295\u8d44\u53d8\u5f97\u7b80\u5355\uff01 \u00a0 \u8bb8\u591a\u4eba\u88ab\u5265\u593a\u4e86\u8d22\u52a1\u4e30\u5bcc\u7684\u672a\u6765\uff0c\u56e0\u4e3a\u4e00\u4e2a\u795e\u8bdd\u662f\uff0c\u4e3a\u4e86\u6295\u8d44\uff0c\u4f60\u9700\u8981\u5927\u91cf\u7684\u94b1\u3002\u4e8b\u5b9e […]<\/p>\n","protected":false},"author":9274,"featured_media":128753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11304],"tags":[],"class_list":["post-119799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-11304"],"_links":{"self":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/posts\/119799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/users\/9274"}],"replies":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=119799"}],"version-history":[{"count":0,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/posts\/119799\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/media\/128753"}],"wp:attachment":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=119799"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=119799"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=119799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}