{"id":94675,"date":"2026-09-17T10:41:12","date_gmt":"2026-09-17T15:41:12","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=94675"},"modified":"2026-09-17T10:41:12","modified_gmt":"2026-09-17T15:41:12","slug":"20260917-%e9%80%80%e4%bc%91%e8%b6%8a%e6%9d%a5%e8%b6%8a%e5%83%8f%e4%b8%80%e7%a7%8d%e5%a5%a2%e4%be%88%e5%93%81%ef%bc%9f%e8%ae%b8%e5%a4%9a%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%ba%ba%e5%8f%af%e8%83%bd%e8%a6%81","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=94675","title":{"rendered":"20260917\/\u9000\u4f11\u8d8a\u6765\u8d8a\u50cf\u4e00\u79cd\u5962\u4f88\u54c1\uff1f\u8bb8\u591a\u52a0\u62ff\u5927\u4eba\u53ef\u80fd\u8981\u6d3b\u5230\u8001\u5e72\u5230\u8001"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u201c\u9000\u4f11\u201d\u66fe\u7ecf\u662f\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u5bf9\u665a\u5e74\u751f\u6d3b\u6700\u57fa\u672c\u7684\u60f3\u8c61\uff1a65\u5c81\u5de6\u53f3\u7ed3\u675f\u5de5\u4f5c\u751f\u6daf\uff0c\u62ff\u7740\u517b\u8001\u91d1\uff0c\u4eab\u53d7\u51e0\u5341\u5e74\u8f9b\u82e6\u5de5\u4f5c\u6362\u6765\u7684\u5b89\u7a33\u751f\u6d3b\u3002<\/p>\n<p>\u4f46\u5bf9\u4e8e\u5982\u4eca\u7684\u52a0\u62ff\u5927\u4e2d\u5e74\u4eba\u6765\u8bf4\uff0c\u8fd9\u4e2a\u66fe\u7ecf\u770b\u4f3c\u7406\u6240\u5f53\u7136\u7684\u4eba\u751f\u7ec8\u70b9\uff0c\u6b63\u5728\u53d8\u5f97\u8d8a\u6765\u8d8a\u9065\u8fdc\u3002<\/p>\n<p>\u300aMaclean\u2019s\u300b\u6742\u5fd7\u8fd1\u65e5\u520a\u6587\u6307\u51fa\uff0c\u5de5\u8d44\u589e\u957f\u8ddf\u4e0d\u4e0a\u751f\u6d3b\u6210\u672c\u3001\u623f\u4ef7\u98d9\u5347\u3001\u517b\u8001\u91d1\u8986\u76d6\u7387\u4e0b\u964d\uff0c\u4ee5\u53ca\u75ab\u60c5\u3001\u901a\u80c0\u548c\u9ad8\u5229\u7387\u7b49\u4e00\u8fde\u4e32\u7ecf\u6d4e\u51b2\u51fb\uff0c\u6b63\u5728\u8ba9\u8d8a\u6765\u8d8a\u591a\u52a0\u62ff\u5927\u4eba\u9762\u4e34\u4e00\u4e2a\u5c34\u5c2c\u73b0\u5b9e\uff1a\u4e0d\u662f\u4e0d\u60f3\u9000\u4f11\uff0c\u800c\u662f\u53ef\u80fd\u6839\u672c\u6ca1\u6709\u8db3\u591f\u7684\u94b1\u9000\u4f11\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_1.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_1.png\" alt=\"\" width=\"731\" height=\"562\" class=\"aligncenter size-large wp-image-94677\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_1.png 731w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_1-300x231.png 300w\" sizes=\"(max-width: 731px) 100vw, 731px\" \/><\/a><\/p>\n<p>**63\u5c81\u8fd8\u5728\u60f3\u201c\u4ec0\u4e48\u65f6\u5019\u624d\u80fd\u505c\u4e0b\u6765\u201d<\/p>\n<p>\u6587\u7ae0\u4f5c\u8005Bruce Grierson\u4eca\u5e7463\u5c81\u3002\u4ed6\u8bb2\u8ff0\u4e86\u4e00\u4e2a\u8ba9\u4ed6\u9887\u6709\u611f\u89e6\u7684\u7ecf\u5386\uff1a\u4e00\u6b21\u5728MEC\u8d2d\u4e70\u8dd1\u978b\u65f6\uff0c\u4ed6\u8ba4\u51fa\u4e86\u4e00\u540d\u5e97\u5458Steve\uff0c\u4e00\u4f4d\u4e0e\u81ea\u5df1\u5e74\u9f84\u76f8\u4eff\u3001\u66fe\u7ecf\u9887\u6709\u540d\u6c14\u7684\u4f5c\u5bb6\u3002<\/p>\n<p>Steve\u4ee5\u524d\u5199\u6587\u7ae0\uff0c\u5982\u4eca\u5374\u5728\u5356\u978b\u3002<\/p>\n<p>\u4f5c\u8005\u8bf4\uff0c\u81ea\u5df1\u8eab\u8fb9\u8fd8\u6709\u4e0d\u5c11\u7c7b\u4f3c\u7684\u4eba\u3002\u5230\u4e86\u4eba\u751f\u672c\u8be5\u9010\u6e10\u9000\u51fa\u804c\u573a\u7684\u5e74\u9f84\uff0c\u4ed6\u4eec\u4f9d\u7136\u5728\u52aa\u529b\u5de5\u4f5c\uff0c\u53ea\u662f\u8fc7\u53bb\u7684\u201c\u671d\u4e5d\u665a\u4e94\u201d\u53d8\u6210\u4e86\u5404\u79cd\u96f6\u5de5\u3001\u517c\u804c\u548c\u4e34\u65f6\u5de5\u4f5c\u3002<\/p>\n<p>\u4f5c\u8005\u672c\u4eba\u4e5f\u6ca1\u6709\u5b9e\u73b0\u5e74\u8f7b\u65f6\u8bbe\u60f3\u7684\u201c\u529f\u6210\u8eab\u9000\u201d\u3002\u5982\u4eca\u4f4f\u5728\u5317\u6e29\u54e5\u534e\u4e0e\u59bb\u5b50\u5171\u540c\u8d2d\u4e70\u7684\u5c0f\u8054\u6392\u4f4f\u5b85\u91cc\uff0c\u4ed6\u6700\u5927\u7684\u56f0\u60d1\u5df2\u7ecf\u4e0d\u662f\u5982\u4f55\u62e5\u6709\u4e00\u4efd\u8f89\u714c\u4e8b\u4e1a\uff0c\u800c\u662f\uff1a\u201c\u6211\u4ec0\u4e48\u65f6\u5019\u624d\u80fd\u771f\u6b63\u505c\u4e0b\u6765\uff1f\u201d<\/p>\n<p>**\u9000\u4f11\u50a8\u84c4\u8fdc\u8fdc\u4e0d\u591f<\/p>\n<p>\u8fc7\u53bb\uff0c\u4eba\u4eec\u901a\u5e38\u8ba4\u4e3a\u9000\u4f11\u89c4\u5212\u5c31\u662f\u4e70\u623f\u3001\u8fd8\u6e05\u623f\u8d37\u3001\u79ef\u7d2f\u6295\u8d44\uff0c\u7136\u540e\u572865\u5c81\u5de6\u53f3\u9000\u4f11\u3002<\/p>\n<p>\u4f46\u5982\u4eca\uff0c\u8fd9\u5957\u6a21\u5f0f\u8d8a\u6765\u8d8a\u96be\u4ee5\u590d\u5236\u3002<\/p>\n<p>\u6587\u7ae0\u5f15\u7528\u7684\u6570\u636e\u79f0\uff0c\u52a0\u62ff\u592755\u81f364\u5c81\u4eba\u7fa4\u7684\u9000\u4f11\u50a8\u84c4\u4e2d\u4f4d\u6570\u53ea\u6709\u7ea612\u4e07\u52a0\u5143\uff0c\u800c\u5176\u4e2d\u7ea640%\u7684\u4eba\u50a8\u84c4\u751a\u81f3\u4e0d\u52305000\u52a0\u5143\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u4f20\u7edf\u7684\u201c\u9ec4\u91d1\u9000\u4f11\u4e09\u4ef6\u5957\u201d\uff0c\u623f\u4ea7\u3001\u6295\u8d44\u548c\u517b\u8001\u91d1\uff0c\u90fd\u9762\u4e34\u538b\u529b\u3002<\/p>\n<p>2020\u5e74\u81f32025\u5e74\u671f\u95f4\uff0c\u52a0\u62ff\u5927\u6d88\u8d39\u8005\u4ef7\u683c\u6307\u6570\u4e0a\u6da8\u7ea620%\uff0c\u5de5\u8d44\u867d\u7136\u4e5f\u6709\u6240\u589e\u957f\uff0c\u4f46\u751f\u6d3b\u6210\u672c\u4e0a\u6da8\u5df2\u7ecf\u660e\u663e\u589e\u52a0\u4e86\u5bb6\u5ead\u50a8\u84c4\u538b\u529b\u3002<\/p>\n<p>\u4f4f\u623f\u6210\u672c\u66f4\u662f\u5927\u5e45\u4e0a\u6da8\u3002\u591a\u4f26\u591a\u5730\u533a\u4f4f\u5b85\u57fa\u51c6\u4ef7\u683c\u81ea2016\u5e74\u4ee5\u6765\u4e0a\u6da8\u7ea638%\uff0c\u8fbe\u5230\u7ea694\u4e07\u52a0\u5143\u3002\u57fa\u5947\u7eb3-\u6ed1\u94c1\u5362\u3001\u5f7c\u5f97\u5821\u3001\u5361\u5c14\u52a0\u91cc\u548c\u54c8\u5229\u6cd5\u514b\u65af\u7b49\u5730\u7684\u623f\u4ef7\u540c\u6837\u660e\u663e\u4e0a\u6da8\u3002<\/p>\n<p>\u623f\u4ea7\u5347\u503c\u8ba9\u5df2\u7ecf\u62e5\u6709\u4f4f\u623f\u7684\u4eba\u8d22\u5bcc\u589e\u52a0\uff0c\u5374\u8ba9\u79df\u623f\u8005\u548c\u8f83\u665a\u4e70\u623f\u7684\u4eba\u627f\u53d7\u66f4\u5927\u538b\u529b\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u52a0\u62ff\u5927\u80cc\u8d1f\u623f\u8d37\u7684\u8001\u5e74\u4eba\u6570\u91cf\u4e5f\u5728\u8fc7\u53bb\u51e0\u5341\u5e74\u660e\u663e\u589e\u52a0\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_2.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_2.png\" alt=\"\" width=\"657\" height=\"669\" class=\"aligncenter size-large wp-image-94678\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_2.png 657w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_2-295x300.png 295w\" sizes=\"(max-width: 657px) 100vw, 657px\" \/><\/a><\/p>\n<p>**\u4f01\u4e1a\u517b\u8001\u91d1\u8d8a\u6765\u8d8a\u5c11<\/p>\n<p>\u9000\u4f11\u4fdd\u969c\u7684\u53e6\u4e00\u4e2a\u53d8\u5316\uff0c\u662f\u4f20\u7edf\u96c7\u4e3b\u517b\u8001\u91d1\u6b63\u5728\u51cf\u5c11\u3002<\/p>\n<p>\u8fc7\u53bb\uff0c\u5f88\u591a\u52a0\u62ff\u5927\u4f01\u4e1a\u63d0\u4f9b\u201c\u56fa\u5b9a\u6536\u76ca\u517b\u8001\u91d1\u201d\uff08Defined Benefit\uff09\uff0c\u9000\u4f11\u540e\u53ef\u4ee5\u6309\u7167\u89c4\u5b9a\u9886\u53d6\u76f8\u5bf9\u7a33\u5b9a\u7684\u517b\u8001\u91d1\u3002<\/p>\n<p>\u4f46\u5982\u4eca\uff0c\u8fd9\u7c7b\u517b\u8001\u91d1\u5728\u79c1\u8425\u90e8\u95e8\u5df2\u7ecf\u8d8a\u6765\u8d8a\u5c11\u3002<\/p>\n<p>\u6587\u7ae0\u6307\u51fa\uff0c\u76ee\u524d\u53ea\u6709\u7ea640%\u7684\u79c1\u8425\u90e8\u95e8\u96c7\u4e3b\u517b\u8001\u91d1\u5c5e\u4e8e\u8fd9\u79cd\u80fd\u591f\u63d0\u4f9b\u7ec8\u8eab\u56fa\u5b9a\u6536\u5165\u7684\u8ba1\u5212\uff0c\u800c\u4e0a\u4e16\u7eaa70\u5e74\u4ee3\u8fd9\u4e00\u6bd4\u4f8b\u66fe\u8fbe\u5230\u7ea690%\u3002<\/p>\n<p>\u66f4\u591a\u96c7\u4e3b\u91c7\u7528\u7684\u662f\u201c\u56fa\u5b9a\u7f34\u6b3e\u517b\u8001\u91d1\u201d\uff08Defined Contribution\uff09\uff0c\u6700\u7ec8\u80fd\u591f\u9886\u53d6\u591a\u5c11\u94b1\uff0c\u53d6\u51b3\u4e8e\u5458\u5de5\u548c\u96c7\u4e3b\u7f34\u7eb3\u4e86\u591a\u5c11\uff0c\u4ee5\u53ca\u6295\u8d44\u8868\u73b0\u5982\u4f55\u3002<\/p>\n<p>\u66f4\u73b0\u5b9e\u7684\u95ee\u9898\u662f\uff1a\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u6839\u672c\u6ca1\u6709\u96c7\u4e3b\u517b\u8001\u91d1\u3002<\/p>\n<p>\u76ee\u524d\u53ea\u6709\u7ea637%\u7684\u52a0\u62ff\u5927\u96c7\u5458\u62e5\u6709\u96c7\u4e3b\u517b\u8001\u91d1\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u9000\u4f11\u6536\u5165\u7684\u91cd\u8981\u201c\u5b89\u5168\u7f51\u201d\u4e4b\u4e00\u662f\u52a0\u62ff\u5927\u517b\u8001\u91d1\u8ba1\u5212\uff08CPP\uff09\u3002\u4f46CPP\u7684\u4f5c\u7528\u539f\u672c\u662f\u8865\u5145\u9000\u4f11\u6536\u5165\uff0c\u800c\u4e0d\u662f\u5b8c\u5168\u66ff\u4ee3\u5de5\u4f5c\u6536\u5165\u3002\u76ee\u524dCPP\u6700\u9ad8\u5e74\u5ea6\u9886\u53d6\u989d\u7ea6\u4e3a1.8\u4e07\u52a0\u5143\uff0c\u5e73\u5747\u9886\u53d6\u989d\u5219\u53ea\u67091.1\u4e07\u591a\u52a0\u5143\u3002<\/p>\n<p>\u5bf9\u4e8e\u9000\u4f11\u540e\u4ecd\u9700\u652f\u4ed8\u4f4f\u623f\u3001\u98df\u54c1\u3001\u533b\u7597\u7b49\u8d39\u7528\u7684\u4eba\u6765\u8bf4\uff0c\u8fd9\u7b14\u94b1\u663e\u7136\u5f88\u96be\u5355\u72ec\u652f\u6491\u5b8c\u6574\u7684\u9000\u4f11\u751f\u6d3b\u3002<\/p>\n<p>**65\u5c81\u4ee5\u540e\u7ee7\u7eed\u5de5\u4f5c\u8d8a\u6765\u8d8a\u666e\u904d<\/p>\n<p>\u75ab\u60c5\u4e5f\u6539\u53d8\u4e86\u52a0\u62ff\u5927\u4eba\u7684\u9000\u4f11\u8282\u594f\u3002<\/p>\n<p>2021\u5e7412\u6708\uff0c\u52a0\u62ff\u5927\u9000\u4f11\u4eba\u6570\u7ea621.4\u4e07\u4eba\uff0c\u6bd4\u4e24\u5e74\u524d\u768425.8\u4e07\u4eba\u4e0b\u964d\u7ea617%\u3002\u75ab\u60c5\u671f\u95f4\u7684\u4e0d\u786e\u5b9a\u6027\uff0c\u8ba9\u4e0d\u5c11\u63a5\u8fd1\u9000\u4f11\u5e74\u9f84\u7684\u4eba\u9009\u62e9\u7ee7\u7eed\u5de5\u4f5c\uff0c\u4ee5\u4fdd\u4f4f\u6536\u5165\u548c\u798f\u5229\u3002<\/p>\n<p>\u968f\u540e\u901a\u80c0\u548c\u9ad8\u5229\u7387\u53c8\u7ed9\u9000\u4f11\u8ba1\u5212\u5e26\u6765\u65b0\u7684\u51b2\u51fb\u3002\u539f\u672c\u770b\u8d77\u6765\u8db3\u591f\u7684\u9000\u4f11\u50a8\u84c4\uff0c\u5728\u751f\u6d3b\u6210\u672c\u4e0a\u6da8\u540e\u663e\u5f97\u8d8a\u6765\u8d8a\u4e0d\u591f\u3002<\/p>\n<p>\u5982\u4eca\uff0c\u9000\u4f11\u4eba\u6570\u6709\u6240\u6062\u590d\uff0c\u4f46\u201c\u9000\u4f11\u540e\u7ee7\u7eed\u5de5\u4f5c\u201d\u7684\u73b0\u8c61\u4e5f\u8d8a\u6765\u8d8a\u666e\u904d\u3002<\/p>\n<p>\u6587\u7ae0\u79f0\uff0c\u76ee\u524d\u7ea615%\u768465\u5c81\u53ca\u4ee5\u4e0a\u52a0\u62ff\u5927\u4eba\u4ecd\u5728\u5de5\u4f5c\u6216\u79ef\u6781\u5bfb\u627e\u5de5\u4f5c\uff0c\u6bd4\u4f8b\u5df2\u7ecf\u8fbe\u5230\u5386\u53f2\u9ad8\u4f4d\uff0c\u662f2000\u5e74\u7684\u4e24\u500d\u591a\u3002<\/p>\n<p>\u4e00\u4e9b\u9000\u4f11\u6559\u5e08\u91cd\u65b0\u5f53\u4ee3\u8bfe\u8001\u5e08\uff0c\u4e13\u4e1a\u4eba\u58eb\u6210\u4e3a\u987e\u95ee\uff0c\u8fd8\u6709\u8001\u5e74\u4eba\u4ece\u4e8b\u62a4\u7406\u3001\u905b\u72d7\u3001\u96f6\u552e\u7b49\u517c\u804c\u5de5\u4f5c\u3002<\/p>\n<p>\u6587\u7ae0\u8fd8\u8bb2\u8ff0\u4e86\u4e00\u540d\u66fe\u5728\u91d1\u878d\u884c\u4e1a\u5de5\u4f5c25\u5e74\u7684\u5973\u6027Mary Howley\u3002\u5979\u7684\u804c\u4e1a\u5c31\u662f\u5e2e\u52a9\u522b\u4eba\u89c4\u5212\u9000\u4f11\uff0c\u4f46\u8f6e\u5230\u81ea\u5df1\u9000\u4f11\u65f6\uff0c\u5374\u53d1\u73b0\u6ca1\u6709\u623f\u4ea7\u3001\u6ca1\u6709\u7ee7\u627f\uff0c\u4e5f\u6ca1\u6709\u8db3\u591f\u7684\u50a8\u84c4\uff0c\u53ea\u80fd\u5bfb\u627e\u96f6\u552e\u517c\u804c\u3002<\/p>\n<p>**\u8fd9\u53ea\u662f\u4e2a\u4eba\u4e0d\u4f1a\u7406\u8d22\u5417\uff1f<\/p>\n<p>\u6709\u4eba\u8ba4\u4e3a\uff0c\u9000\u4f11\u56f0\u96be\u4e5f\u4e0e\u4e2a\u4eba\u6d88\u8d39\u4e60\u60ef\u6709\u5173\u3002<\/p>\n<p>\u6240\u8c13\u201c\u62ff\u94c1\u56e0\u7d20\u201d\u5c31\u662f\u6307\uff0c\u4e00\u676f\u5496\u5561\u3001\u6d41\u5a92\u4f53\u8ba2\u9605\u3001\u5916\u5356\u7b49\u770b\u4f3c\u4e0d\u8d77\u773c\u7684\u65e5\u5e38\u6d88\u8d39\uff0c\u5982\u679c\u957f\u671f\u7d2f\u79ef\uff0c\u4e5f\u53ef\u80fd\u5f71\u54cd\u50a8\u84c4\u548c\u6295\u8d44\u3002<\/p>\n<p>\u4f46\u6587\u7ae0\u8ba4\u4e3a\uff0c\u4ec5\u4ec5\u628a\u95ee\u9898\u5f52\u548e\u4e8e\u4e2a\u4eba\u201c\u4e0d\u591f\u8282\u4fed\u201d\u5e76\u4e0d\u80fd\u89e3\u91ca\u6574\u4e2a\u8d8b\u52bf\u3002<\/p>\n<p>\u5de5\u8d44\u3001\u623f\u4ef7\u3001\u901a\u80c0\u3001\u517b\u8001\u91d1\u5236\u5ea6\u4ee5\u53ca\u503a\u52a1\u6210\u672c\u7b49\u7ed3\u6784\u6027\u56e0\u7d20\uff0c\u90fd\u5728\u5f71\u54cd\u52a0\u62ff\u5927\u4eba\u7684\u9000\u4f11\u80fd\u529b\u3002<\/p>\n<p>\u5bf9\u4e8e\u6ca1\u6709\u623f\u4ea7\u3001\u6295\u8d44\u8d44\u4ea7\u8f83\u5c11\u7684\u4eba\u6765\u8bf4\uff0c\u590d\u5229\u5e26\u6765\u7684\u8d22\u5bcc\u589e\u957f\u5f88\u96be\u5e2e\u52a9\u4ed6\u4eec\uff1b\u76f8\u53cd\uff0c\u4fe1\u7528\u5361\u3001\u623f\u8d37\u7b49\u503a\u52a1\u7684\u5229\u606f\u5374\u53ef\u80fd\u4e0d\u65ad\u7d2f\u79ef\u3002<\/p>\n<p>\u7ed3\u679c\u662f\uff0c\u62e5\u6709\u8d44\u4ea7\u7684\u4eba\u53ef\u80fd\u8d8a\u6765\u8d8a\u5bcc\uff0c\u800c\u4e3b\u8981\u4f9d\u9760\u5de5\u8d44\u751f\u6d3b\u7684\u4eba\uff0c\u5219\u8d8a\u6765\u8d8a\u96be\u79ef\u7d2f\u8d22\u5bcc\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_3.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_3.png\" alt=\"\" width=\"663\" height=\"634\" class=\"aligncenter size-full wp-image-94676\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_3.png 663w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/mkl260917_3-300x287.png 300w\" sizes=\"(max-width: 663px) 100vw, 663px\" \/><\/a><\/p>\n<p>**\u201c\u9000\u4f11\u201d\u53ef\u80fd\u9700\u8981\u91cd\u65b0\u5b9a\u4e49<\/p>\n<p>\u90a3\u4e48\uff0c\u5982\u679c\u4f20\u7edf\u610f\u4e49\u4e0a\u7684\u9000\u4f11\u8d8a\u6765\u8d8a\u96be\u5b9e\u73b0\uff0c\u672a\u6765\u600e\u4e48\u529e\uff1f<\/p>\n<p>\u6587\u7ae0\u63d0\u51fa\u4e86\u4e00\u4e9b\u4e0d\u540c\u65b9\u5411\u3002<\/p>\n<p>\u4e00\u79cd\u65b9\u5f0f\u662f\u91cd\u65b0\u8bbe\u8ba1\u5de5\u4f5c\u4e0e\u9000\u4f11\u7684\u5173\u7cfb\uff0c\u4f8b\u5982\u9010\u6e10\u51cf\u5c11\u5de5\u4f5c\u65f6\u95f4\uff0c\u800c\u4e0d\u662f\u5728\u67d0\u4e00\u5929\u7a81\u7136\u5f7b\u5e95\u9000\u4f11\u3002\u8377\u5170\u7b49\u56fd\u5bb6\u5df2\u7ecf\u51fa\u73b0\u8ba9\u5e74\u957f\u5458\u5de5\u51cf\u5c11\u6bcf\u5468\u5de5\u4f5c\u5929\u6570\u7684\u505a\u6cd5\u3002<\/p>\n<p>\u53e6\u4e00\u79cd\u601d\u8def\u662f\u201cFIRE\u201d\uff08Financial Independence, Retire Early\uff09\uff0c\u5373\u901a\u8fc7\u9ad8\u50a8\u84c4\u3001\u9ad8\u6295\u8d44\u548c\u964d\u4f4e\u751f\u6d3b\u6210\u672c\uff0c\u5b9e\u73b0\u8d22\u52a1\u72ec\u7acb\u3001\u63d0\u524d\u9000\u4f11\u3002\u4f46\u8fd9\u79cd\u65b9\u5f0f\u901a\u5e38\u8981\u6c42\u8f83\u9ad8\u6536\u5165\u548c\u957f\u671f\u4e25\u683c\u50a8\u84c4\uff0c\u5bf9\u5f88\u591a\u666e\u901a\u5bb6\u5ead\u5e76\u4e0d\u5bb9\u6613\u3002<\/p>\n<p>\u8fd8\u6709\u7ecf\u6d4e\u5b66\u5bb6\u63d0\u51fa\u5168\u6c11\u57fa\u672c\u6536\u5165\uff0c\u901a\u8fc7\u653f\u5e9c\u63d0\u4f9b\u7a33\u5b9a\u7684\u57fa\u7840\u6536\u5165\uff0c\u4e3a\u4eba\u4eec\u63d0\u4f9b\u6700\u4f4e\u9650\u5ea6\u7684\u7ecf\u6d4e\u5b89\u5168\u3002<\/p>\n<p>\u4f46\u66f4\u6839\u672c\u7684\u6539\u53d8\uff0c\u53ef\u80fd\u662f\u91cd\u65b0\u601d\u8003\u201c\u9000\u4f11\u201d\u672c\u8eab\u3002<\/p>\n<p>\u6bd5\u7adf\uff0c\u73b0\u4ee3\u610f\u4e49\u4e0a\u7684\u9000\u4f11\u5236\u5ea6\u53ea\u6709\u4e00\u767e\u591a\u5e74\u5386\u53f2\u3002\u672a\u6765\u672a\u5fc5\u4e00\u5b9a\u8981\u4ece\u201c\u5de5\u4f5c\u201d\u7a81\u7136\u5207\u6362\u5230\u201c\u5b8c\u5168\u4e0d\u5de5\u4f5c\u201d\uff0c\u800c\u53ef\u4ee5\u53d8\u6210\u4e00\u4e2a\u9010\u6b65\u9000\u51fa\u804c\u573a\u7684\u8fc7\u7a0b\uff1a\u5e74\u9f84\u8d8a\u5927\uff0c\u5de5\u4f5c\u65f6\u95f4\u8d8a\u5c11\uff0c\u540c\u65f6\u4fdd\u6301\u90e8\u5206\u6536\u5165\u548c\u793e\u4f1a\u53c2\u4e0e\u3002<\/p>\n<p>\u5bf9\u4e8e\u52a0\u62ff\u5927\u5e74\u8f7b\u4e00\u4ee3\u800c\u8a00\uff0c\u4f20\u7edf\u7684\u201c\u5de5\u4f5c\u51e0\u5341\u5e74\u3001\u4e70\u623f\u3001\u8fd8\u6e05\u623f\u8d37\u300165\u5c81\u9000\u4f11\u201d\u7684\u4eba\u751f\u6a21\u5f0f\uff0c\u53ef\u80fd\u9700\u8981\u91cd\u65b0\u8bbe\u8ba1\u3002<\/p>\n<p>\u6587\u7ae0\u6700\u540e\u4ee5\u4f5c\u800522\u5c81\u5973\u513f\u7684\u4e00\u53e5\u8bdd\u6536\u5c3e\uff1a\u5979\u8ba4\u4e3a\uff0c\u672a\u6765\u4e00\u4ee3\u4eba\u53ef\u80fd\u4f1a\u8d8a\u6765\u8d8a\u4e60\u60ef\u5171\u540c\u5c45\u4f4f\u3001\u5171\u4eab\u751f\u6d3b\u6210\u672c\u3002<\/p>\n<p>\u4f5c\u8005\u534a\u5f00\u73a9\u7b11\u5730\u8bf4\uff0c\u5e0c\u671b\u5973\u513f\u5c06\u6765\u80fd\u5728\u9662\u5b50\u91cc\u7ed9\u81ea\u5df1\u7559\u4e2a\u4f4d\u7f6e\u2014\u2014\u642d\u4e00\u9876\u5e10\u7bf7\uff0c\u987a\u4fbf\u63a5\u6839\u7535\u6e90\u7ebf\uff0c\u597d\u8ba9\u4ed6\u7ee7\u7eed\u5de5\u4f5c\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u201c\u9000\u4f11\u201d\u66fe\u7ecf\u662f\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u5bf9\u665a\u5e74\u751f\u6d3b\u6700\u57fa\u672c\u7684\u60f3\u8c61\uff1a65\u5c81\u5de6\u53f3\u7ed3\u675f\u5de5\u4f5c\u751f\u6daf\uff0c\u62ff\u7740\u517b\u8001\u91d1\uff0c\u4eab\u53d7\u51e0\u5341\u5e74\u8f9b\u82e6\u5de5\u4f5c\u6362\u6765\u7684\u5b89\u7a33\u751f\u6d3b\u3002 \u4f46\u5bf9\u4e8e\u5982\u4eca\u7684\u52a0\u62ff\u5927\u4e2d\u5e74\u4eba\u6765\u8bf4\uff0c\u8fd9\u4e2a\u66fe\u7ecf\u770b\u4f3c\u7406\u6240\u5f53\u7136\u7684\u4eba\u751f\u7ec8\u70b9\uff0c\u6b63\u5728\u53d8\u5f97\u8d8a\u6765\u8d8a\u9065\u8fdc\u3002 \u300aMaclean\u2019s\u300b\u6742\u5fd7\u8fd1\u65e5\u520a\u6587\u6307\u51fa\uff0c\u5de5\u8d44\u589e\u957f\u8ddf\u4e0d\u4e0a\u751f\u6d3b\u6210\u672c\u3001\u623f\u4ef7\u98d9\u5347&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=94675\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":94677,"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\/94675"}],"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=94675"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94675\/revisions"}],"predecessor-version":[{"id":94679,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94675\/revisions\/94679"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/94677"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=94675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=94675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=94675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}