![\"\"](\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2024\/08\/np240812_1.jpg\")
<\/a><\/p>\n\u4f0a\u8299\u7433\u6700\u8fd1\u4ee5$200,000\u7684\u4ef7\u683c\u8d2d\u4e70\u4e86\u4e00\u5bb6\u7cbe\u54c1\u4e13\u4e1a\u54a8\u8be2\u516c\u53f8\u3002\u5979\u57282023\u5e74\u8d5a\u4e86\u5927\u7ea6$127,000\u3002\u5728\u63a5\u4e0b\u6765\u7684\u4e09\u5e74\u91cc\uff0c\u5979\u5c06\u53ea\u63d0\u53d6\u8db3\u591f\u7684\u6536\u5165\uff08\u6bcf\u5e74\u81f3\u5c11$50,000\u7684\u80a1\u606f\uff09\u6765\u507f\u8fd8\u8d2d\u4e70\u8be5\u516c\u53f8\u7684\u6b3e\u9879\u3002\u76ee\u524d\uff0c\u5979\u5728\u4e00\u4e2a\u516c\u53f8\u6295\u8d44\u8d26\u6237\u4e2d\u5927\u7ea6\u6709$70,000\u7684\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u3002<\/p>\n
\u4fdd\u7f57\u62e5\u6709$82,000\u7684\u516c\u53f8\u9ad8\u7ba1\u80a1\u6743\uff0c\u540c\u65f6\u8fd8\u53c2\u52a0\u4e86\u7531\u96c7\u4e3b\u63d0\u4f9b\u7684\u56fa\u5b9a\u6536\u76ca\u517b\u8001\u91d1\u8ba1\u5212\u3002\u8be5\u8ba1\u5212\u4e0d\u4e0e\u901a\u8d27\u81a8\u80c0\u6302\u94a9\uff0c\u5982\u679c\u4ed6\u9009\u62e9\u5728\u4e0d\u540c\u5e74\u9f84\u9000\u4f11\uff0c\u5c06\u83b7\u5f97\u4ee5\u4e0b\u7a0e\u524d\u5e74\u6536\u5165\uff1a55\u5c81\u9000\u4f11\u53ef\u9886\u53d6$35,223\uff0c56\u5c81\u53ef\u9886\u53d6$41,713\uff0c57\u5c81\u53ef\u9886\u53d6$48,109\uff0c58\u5c81\u53ef\u9886\u53d6$45,646\uff0c60\u5c81\u5219\u53ef\u9886\u53d6$66,912\u3002<\/p>\n
\u4ed6\u6700\u7406\u60f3\u7684\u60c5\u51b5\u662f\uff0c55\u5c81\u4ece\u76ee\u524d\u7684\u5de5\u4f5c\u5c97\u4f4d\u4e0a\u9000\u4f11\uff0c\u7136\u540e\u5728\u59bb\u5b50\u7684\u516c\u53f8\u5de5\u4f5c\u51e0\u5e74\uff0c\u76f4\u523057\u5c81\u3002\u76ee\u524d\uff0c\u4f0a\u8299\u7433\u5c06\u5728\u672a\u6765\u4e09\u5e74\u5185\u81f4\u529b\u4e8e\u5979\u7684\u65b0\u751f\u610f\uff0c\u5c4a\u65f6\u5c06\u6536\u56de\u6210\u672c\uff0c\u4f46\u5979\u8fd8\u4e0d\u786e\u5b9a\u4f55\u65f6\u5c06\u516c\u53f8\u51fa\u552e\u5e76\u9000\u4f11\u3002<\/p>\n
\u5982\u679c\u4fdd\u7f57\u572855\u5c81\u65f6\u4ece\u73b0\u4efb\u96c7\u4e3b\u90a3\u91cc\u9000\u4f11\uff0c\u4ed6\u53ef\u4ee5\u7ee7\u7eed\u4eab\u53d7\u8be5\u516c\u53f8\u7684\u798f\u5229\u8ba1\u5212\uff0c\u6bcf\u6708\u8d39\u7528\u4e3a$97.65\u3002<\/p>\n
\u201c\u6211\u4eec\u76ee\u524d\u4f9d\u9760\u6211\u7684\u5168\u804c\u5de5\u4f5c\u6765\u83b7\u5f97\u533b\u7597\/\u7259\u79d1\u798f\u5229\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u6211\u60f3\u77e5\u9053\u6211\u9000\u4f11\u540e\u662f\u5426\u5e94\u8be5\u7ee7\u7eed\u8fd9\u6837\u505a\u3002\u201d<\/p>\n
\u8fd9\u5bf9\u592b\u5987\u62e5\u6709\u4e00\u5957\u4ef7\u503c220\u4e07\u5143\u7684\u623f\u4ea7\uff0c\u5e76\u62e5\u6709\u4ef7\u503c\u7ea6270\u4e07\u5143\u7684\u6295\u8d44\u7ec4\u5408\uff08\u4e0d\u5305\u62ec\u4f0a\u8299\u7433\u516c\u53f8\u7684\u8d2d\u4e70\u4ef7\uff09\u3002\u5176\u4e2d\u5305\u62ec$309,000\u7684\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\u3001$896,000\u7684RRSP\uff08\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff09\u3001$58,000\u7684\u9501\u5b9a\u9000\u4f11\u8d26\u6237\u3001$320,000\u7684\u80a1\u7968\u3001$185,000\u7684RESP\uff08\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\uff09\u548c$854,000\u7684\u5b50\u5973\u4fe1\u6258\u8d26\u6237\u3002<\/p>\n
\u592b\u5987\u4fe9\u8fd8\u8d2d\u4e70\u4e86$500,000\u7684\u4eba\u5bff\u4fdd\u9669\uff0c\u4fdd\u7f57\u5728\u804c\u671f\u95f4\u4ece\u96c7\u4e3b\u5904\u83b7\u5f97\u4e86$750,000\u7684\u4fdd\u9669\u3002\u4ed6\u4eec\u76ee\u524d\u6bcf\u6708\u7684\u5f00\u652f\u7ea6\u4e3a$4,200\u3002<\/p>\n \u8fd9\u5bf9\u592b\u5987\u8ba1\u5212\u5728\u53ef\u9884\u89c1\u7684\u672a\u6765\u7ee7\u7eed\u4f4f\u5728\u73b0\u5728\u7684\u623f\u5b50\u91cc\uff0c\u5e76\u5e0c\u671b\u5728\u9000\u4f11\u540e\u5f00\u59cb\u66f4\u591a\u5730\u65c5\u884c\u2014\u2014\u4fdd\u7f57\u4f30\u8ba1\u8fd9\u7b14\u5f00\u652f\u6bcf\u5e74\u4e3a$10,000\u2014\u2014\u5e76\u5728\u4f0a\u8299\u7433\u7236\u6bcd\u7684\u5c0f\u5c4b\u91cc\u5ea6\u8fc7\u4e00\u6bb5\u65f6\u95f4\u3002<\/p>\n \u4fdd\u7f57\u548c\u4f0a\u8299\u7433\u5411\u4e13\u5bb6\u63d0\u51fa\u4e86\u4e24\u4e2a\u5173\u952e\u95ee\u9898\uff1aRESP\u662f\u5426\u6db5\u76d6\u9ad8\u7b49\u6559\u80b2\uff1f\u4fdd\u7f57\u4ec0\u4e48\u65f6\u5019\u53ef\u4ee5\u9000\u4f11\uff1f<\/p>\n \u201c\u6211\u4eec\u60f3\u628a\u4fe1\u6258\u8d26\u6237\u548c\u623f\u5b50\u7559\u7ed9\u6211\u4eec\u7684\u5b69\u5b50\uff0c\u6240\u4ee5\u6211\u4eec\u4e0d\u60f3\u52a8\u7528\u8fd9\u4e9b\u8d44\u4ea7\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u8003\u8651\u5230\u8fd9\u4e00\u70b9\uff0c\u6211\u4e24\u5e74\u540e\u9000\u4f11\u7684\u8ba1\u5212\u53ef\u884c\u5417\uff1f\u5982\u679c\u4e0d\u884c\uff0c\u4ec0\u4e48\u65f6\u5019\u624d\u7b97\u5408\u7406\u7684\u9000\u4f11\u751f\u6d3b\uff1f\u201d<\/p>\n \u4e13\u5bb6\u600e\u4e48\u8bf4<\/strong><\/p>\n \u6e29\u54e5\u534eCastleBay\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u7684\u8d1f\u8d23\u4eba\u3001\u8d22\u52a1\u89c4\u5212\u5e08\u517c\u6295\u8d44\u7ec4\u5408\u7ecf\u7406\u683c\u96f7\u59c6\u00b7\u4f0a\u6839(Graeme Egan)\u8868\u793a\uff0c\u4fdd\u7f57\u548c\u4f0a\u8299\u7433\u591a\u5e74\u6765\u52e4\u594b\u8fd8\u503a\u3001\u5b58\u94b1\uff0c\u4e3a\u4ed6\u4eec\u7684\u5bb6\u5ead\u672a\u6765\u505a\u597d\u4e86\u51c6\u5907\uff0c\u4fdd\u7f57\u8fd8\u53ef\u4ee5\u63d0\u524d\u9000\u4f11\u3002<\/p>\n \u6bcf\u4e2a\u5b69\u5b50\u7684RESP\u91d1\u989d\u4e3a$92,500\uff0c\u8db3\u4ee5\u8d44\u52a9\u4e24\u4e2a\u5b69\u5b50\u56db\u5e74\u7684\u672c\u79d1\u5b66\u4e60\u3002<\/p>\n \u201c\u76ee\u524d\uff0c\u5728\u5916\u5730\u4e0a\u5927\u5b66\u4e00\u5e74\u7684\u8d39\u7528\u9884\u8ba1\u5728$20,000\u81f3$25,000\u4e4b\u95f4\uff0c\u5305\u62ec\u5b66\u8d39\u3001\u4e66\u672c\u8d39\u3001\u4f4f\u5bbf\u8d39\u3001\u4f19\u98df\u8d39\u7b49\u3002\u5728\u5f53\u5730\u4e0a\u5927\u5b66\u4f1a\u4fbf\u5b9c\u5f97\u591a\uff0c\u201d\u4ed6\u8bf4\u3002\u201c\u5f53\u8ddd\u79bb\u8fdb\u5165\u9ad8\u7b49\u6559\u80b2\u8fd8\u6709\u516d\u4e2a\u6708\u5230\u4e00\u5e74\u65f6\uff0c\u6700\u4f73\u505a\u6cd5\u662f\u907f\u514d\u6240\u6709\u6295\u8d44\u4e2d\u7684\u80a1\u7968\u98ce\u9669\uff0c\u5e76\u5c06\u8d44\u91d1\u8f6c\u79fb\u5230\u4fdd\u672c\u578b\u6295\u8d44\u5de5\u5177\uff0c\u5982\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\u6216\u56fd\u5e93\u5238\u7b49\uff0c\u4ee5\u786e\u4fdd\u5728\u77ed\u671f\u5185\u8d44\u91d1\u80fd\u591f\u5b89\u5168\u53ef\u7528\u3002\u201d<\/p>\n \u4f0a\u6839\u8bf4\uff0c\u4ed6\u4eec\u7684\u7b2c\u4e00\u4e2a\u5b69\u5b50\u4e0a\u5927\u5b66\u4e4b\u524d\u7684\u90a3\u6bb5\u65f6\u95f4\u4e5f\u662f\u4fdd\u7f57\u548c\u4f0a\u8299\u7433\u719f\u6089RESP\u63d0\u6b3e\u89c4\u5219\u7684\u597d\u65f6\u673a\u3002<\/p>\n \u6839\u636e\u4ed6\u7684\u9884\u6d4b\uff0c\u5982\u679c\u4fdd\u7f57\u572855\u5c81\u9000\u4f11\uff0c\u4ed6\u7684\u517b\u8001\u91d1\uff08$35,223\uff09\u3001\u4f0a\u8299\u7433\u7684\u80a1\u606f\u6536\u5165\uff08$50,000\uff09\u52a0\u4e0a\u4ed6\u4eec\u8054\u5408\u6295\u8d44\u7ec4\u5408\u7684\u6295\u8d44\u6536\u5165\uff08\u4f30\u8ba1\u4e3a$80,000\uff0c\u5047\u8bbe\u5e74\u56de\u62a5\u7387\u4fdd\u5b88\u4e3a5%\uff09\u5c06\u4e3a\u8fd9\u5bf9\u592b\u5987\u5e26\u6765\u6bcf\u5e74\u7ea6$132,000\u7684\u6536\u5165\uff0c\u6216\u6bcf\u6708$11,000\u7684\u6536\u5165\uff0c\u8fd9\u5f97\u76ca\u4e8e\u4ed6\u4eec\u80fd\u591f\u5206\u644a\u6536\u5165\u548c\u4eab\u53d7\u7a0e\u6536\u4f18\u60e0\u7684\u80a1\u606f\u6536\u5165\uff0c\u7f34\u7eb320%\u7684\u7efc\u5408\u7a0e\u7387\u540e\u3002<\/p>\n \u201c\u8fd9\u5f88\u5bb9\u6613\u8d85\u51fa\u4ed6\u4eec\u76ee\u524d\u7684\u5f00\u652f\u548c\u65c5\u884c\u9884\u7b97\uff0c\u8fd8\u4e0d\u5305\u62ecCPP\u6216OAS\u798f\u5229\u6216\u516c\u53f8\u6295\u8d44\u8d26\u6237\u4e2d$70,000\u7684ETF\uff0c\u201d\u4f0a\u6839\u8bf4\u3002\u201c\u6b64\u5916\uff0c\u4fdd\u7f57\u8bf4\u4ed6\u8fd8\u53ef\u4ee5\u4e3a\u4f0a\u8299\u7433\u7684\u516c\u53f8\u5de5\u4f5c\uff0c\u8fd9\u5c06\u51cf\u5c11\u4ed6\u5728\u9000\u4f11\u540e\u7684\u5934\u51e0\u5e74\u4ece\u4ed6\u4eec\u7684\u6295\u8d44\u7ec4\u5408\u4e2d\u63d0\u53d6\u8d44\u91d1\u6216\u6536\u5165\u7684\u9700\u8981\u3002\u201d<\/p>\n \u4e00\u65e6\u4fdd\u7f57\u9000\u4f11\uff0c\u4f0a\u6839\u5efa\u8bae\u4ed6\u9009\u62e9\u7ee7\u7eed\u4eab\u53d7\u516c\u53f8\u7684\u798f\u5229\u8ba1\u5212\uff0c\u5c24\u5176\u662f\u56e0\u4e3a\u4f0a\u8299\u7433\u8fd8\u6ca1\u6709\u4efb\u4f55\u4fdd\u9669\u3002<\/p>\n \u8003\u8651\u5230\u4ed6\u4eec\u7684\u6295\u8d44\u3001\u623f\u4ea7\u51c0\u503c\u4ee5\u53ca\u4e3a\u5b69\u5b50\u8bbe\u7acb\u7684\u4fe1\u6258\u8d26\u6237\uff0c\u4ed6\u5efa\u8bae\u5728\u4fdd\u7f57\u5e74\u6ee160\u5c81\u65f6\u53d6\u6d88$500,000\u7684\u5bff\u9669\u4fdd\u5355\u3002\u8fd9\u5c06\u786e\u4fdd\u5728\u4fdd\u7f57\u9000\u4f11\u5e76\u4e14\u4ed6\u7684\u96c7\u4e3b\u56e2\u4f53\u5bff\u9669\u8986\u76d6\u7ed3\u675f\u540e\u7684\u8fc7\u6e21\u671f\u95f4\u6709\u8db3\u591f\u7684\u4fdd\u969c\u3002<\/p>\n \u4ed6\u8bf4\uff1a\u201c\u4fdd\u7f57\u548c\u4f0a\u8299\u7433\u5e94\u8be5\u7814\u7a76\u4e00\u4e0b\u4ed6\u4eec\u7684\u5408\u5e76\u6295\u8d44\u7ec4\u5408\u7684\u8d44\u4ea7\u7ec4\u5408\uff0c\u4ee5\u786e\u4fdd\u5b83\u53cd\u6620\u4e86\u4ed6\u4eec\u7684\u6f5c\u5728\u9000\u4f11\u65e5\u671f\uff0c\u5e76\u4e14\u4ed6\u4eec\u6ca1\u6709\u4e3a\u4e86\u6ee1\u8db3\u9884\u8ba1\u7684\u73b0\u91d1\u6d41\u9700\u6c42\u800c\u627f\u62c5\u8d85\u8fc7\u5fc5\u8981\u98ce\u9669\u3002\u201d<\/p>\n \u4f0a\u6839\u5efa\u8bae\u8fd9\u5bf9\u592b\u5987\u54a8\u8be2\u6536\u8d39\u7406\u8d22\u89c4\u5212\u5e08\uff0c\u4ee5\u5236\u5b9a\u9000\u4f11\u9884\u6d4b\uff0c\u8be5\u9884\u6d4b\u5c06\u7ed3\u5408\u4ed6\u4eec\u5f53\u524d\u7684\u8d22\u52a1\u4fe1\u606f\u3001\u5728\u4e0d\u540c\u56de\u62a5\u7387\u4e0b\u7684\u5404\u79cd\u60c5\u666f\u4e0b\u7684\u76ee\u6807\u3001\u652f\u51fa\u548c\u751f\u6d3b\u65b9\u5f0f\u8d39\u7528\u5047\u8bbe\u4ee5\u53ca\u901a\u8d27\u81a8\u80c0\u7387\u3002<\/p>\n \u201c\u8fd9\u4e9b\u9884\u6d4b\u8fd8\u53ef\u4ee5\u5305\u62ec\u5982\u4f55\u63d0\u53d6\u4f0a\u8299\u7433\u7684\u516c\u53f8\u6295\u8d44\u7684\u7b56\u7565\uff0c\u4ee5\u53ca\u4f5c\u4e3a\u592b\u59bb\u5f00\u59cb\u4eab\u53d7\u52a0\u62ff\u5927\u9000\u4f11\u91d1\u8ba1\u5212\u548c\u8001\u5e74\u4fdd\u969c\u798f\u5229\u7684\u6700\u5177\u7a0e\u6536\u6548\u76ca\u7684\u65f6\u95f4\u3002\u201d<\/p>\n","protected":false},"excerpt":{"rendered":" \uff08\u661f\u661f\u751f\u6d3b\/\u6377\u514b\u4f73\uff09\u73b0\u5e7453\u5c81\u7684\u4fdd\u7f57\uff08Paul\uff09\u548c50\u5c81\u7684\u4f0a\u8299\u7433\uff08Evelyn\uff09\u5c45\u4f4f\u5728\u591a\u4f26\u591a\uff0c\u4ed6\u4eec\u6ca1\u6709\u62b5\u62bc\u8d37\u6b3e\uff0c\u5e0c\u671b\u5c3d\u5feb\u8f9e\u53bb\u5168\u804c\u5de5\u4f5c\uff0c\u4f46\u4ed6\u4eec\u6709\u53ef\u80fd\u572855\u5c81\u65f6\u9000\u4f11\uff0c\u6709\u4e24\u4e2a\u5341\u51e0\u5c81\u7684\u5b69\u5b50\u548c\u4e00\u5bb6\u65b0\u516c\u53f8\u5417\uff1f\u4e5f\u5c31\u662f\u5b9e\u73b0\u4eba\u4eec\u65f6\u5e38\u68a6\u60f3\u7684\u201cFreedom 55\u201d\u4eba\u751f\u5883\u754c\u3002 \u4fdd\u7f57\u4ece\u4e8bIT\u884c\u4e1a\uff0c\u7a0e\u524d\u5e74\u85aa\u4e3a$187,500…<\/a><\/p>\n<\/a><\/p>\n
Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/81804"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=81804"}],"version-history":[{"count":2,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/81804\/revisions"}],"predecessor-version":[{"id":93927,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/81804\/revisions\/93927"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=81804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=81804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=81804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}