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<\/p>\n\n\n\n
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\u8fd8\u63d0\u4f9b\u6559\u80b2\u529f\u80fd\uff0c\u5e2e\u52a9\u7528\u6237\u4e86\u89e3\u6295\u8d44\uff0c\u4f7f\u5176\u6210\u4e3a\u4efb\u4f55\u5e0c\u671b\u6269\u5c55\u91d1\u878d\u77e5\u8bc6\u7684\u4eba\u7684\u5b9d\u8d35\u9009\u62e9\u3002<\/p>\n\n\n\n \u4e2a\u4eba\u8d44\u672c<\/strong> \u662f\u4e00\u6b3e\u65e8\u5728\u6295\u8d44\u7406\u8d22\u7684\u5e94\u7528\u7a0b\u5e8f\u3002\u5b83\u63d0\u4f9b\u8be6\u7ec6\u7684\u6295\u8d44\u5206\u6790\uff0c\u5e2e\u52a9\u7528\u6237\u4e86\u89e3\u5176\u6295\u8d44\u7ec4\u5408\u7684\u8868\u73b0\u5e76\u89c4\u5212\u672a\u6765\u3002<\/p>\n\n\n\n \u5bf9\u4e8e\u4efb\u4f55\u4f7f\u7528\u6b64\u5e94\u7528\u7a0b\u5e8f\u7684\u4eba\u6765\u8bf4\uff0c\u8be5\u5e94\u7528\u7a0b\u5e8f\u90fd\u662f\u4e00\u4e2a\u5f3a\u5927\u7684\u5de5\u5177 \u91d1\u878d\u6559\u80b2<\/strong> \u8ba4\u771f\u5e76\u5e0c\u671b\u66f4\u6709\u6548\u5730\u63a7\u5236\u60a8\u7684\u6295\u8d44\u548c\u9000\u4f11\u8ba1\u5212\u3002<\/p>\n\n\n\n A \u91d1\u878d\u6559\u80b2<\/strong> \u5b83\u8fd8\u5305\u62ec\u5bf9\u6295\u8d44\u7684\u7406\u89e3\u3002\u6295\u8d44\u662f\u589e\u52a0\u8d44\u91d1\u548c\u5b9e\u73b0\u957f\u671f\u8d22\u52a1\u76ee\u6807\u7684\u6709\u6548\u65b9\u5f0f\u3002\u7136\u800c\uff0c\u4e86\u89e3\u4e0d\u540c\u7c7b\u578b\u7684\u6295\u8d44\u53ca\u5176\u5404\u81ea\u7684\u98ce\u9669\u975e\u5e38\u91cd\u8981\u3002\u4ece\u80a1\u7968\u5230\u6295\u8d44\u57fa\u91d1\uff0c\u591a\u5143\u5316\u662f\u964d\u4f4e\u98ce\u9669\u548c\u6700\u5927\u5316\u56de\u62a5\u7684\u5173\u952e\u3002<\/p>\n\n\n\n \u50a8\u84c4\u662f\u4e00\u4e2a\u57fa\u672c\u65b9\u9762 \u91d1\u878d\u6559\u80b2<\/strong>\u3002\u62e5\u6709\u5e94\u6025\u57fa\u91d1\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5e94\u5bf9\u4e0d\u53ef\u9884\u89c1\u7684\u4e8b\u4ef6\uff0c\u800c\u4e0d\u4f1a\u5f71\u54cd\u60a8\u7684\u8d22\u52a1\u7a33\u5b9a\u6027\u3002\u6b64\u5916\uff0c\u4e3a\u7279\u5b9a\u76ee\u6807\uff08\u4f8b\u5982\u4e70\u623f\u6216\u6559\u80b2\u5b69\u5b50\uff09\u8fdb\u884c\u50a8\u84c4\u9700\u8981\u89c4\u5212\u548c\u8d22\u52a1\u7eaa\u5f8b\u3002<\/p>\n\n\n\n A \u91d1\u878d\u6559\u80b2<\/strong> \u8fd9\u5bf9\u4e8e\u505a\u51fa\u660e\u667a\u7684\u91d1\u94b1\u51b3\u7b56\u3001\u7ba1\u7406\u503a\u52a1\u3001\u4e3a\u672a\u6765\u50a8\u84c4\u4ee5\u53ca\u786e\u4fdd\u957f\u671f\u8d22\u52a1\u5b89\u5168\u81f3\u5173\u91cd\u8981\u3002<\/p>\n\n\n\n \u901a\u8fc7\u5141\u8bb8\u90e8\u5206\u6216\u81ea\u52a8\u6295\u8d44\u7684\u5e94\u7528\u7a0b\u5e8f\uff08\u4f8b\u5982 Acorns\uff09\uff0c\u53ef\u4ee5\u7528\u5f88\u5c11\u7684\u94b1\u5f00\u59cb\u6295\u8d44\u3002\u53e6\u4e00\u79cd\u9009\u62e9\u662f\u6295\u8d44\u7ba1\u7406\u8d39\u8f83\u4f4e\u7684\u6307\u6570\u57fa\u91d1\u3002<\/p>\n\n\n\n \u5236\u5b9a\u9884\u7b97\u7684\u6700\u4f73\u65b9\u6cd5\u662f\u89c4\u5212\u60a8\u7684\u6536\u5165\u548c\u652f\u51fa\uff0c\u8bbe\u5b9a\u660e\u786e\u7684\u8d22\u52a1\u76ee\u6807\uff0c\u5e76\u5b9a\u671f\u76d1\u63a7\u60a8\u7684\u652f\u51fa\u4ee5\u6839\u636e\u9700\u8981\u8c03\u6574\u9884\u7b97\u3002<\/p>\n\n\n\n \u63d0\u9ad8\u4fe1\u7528\u8bc4\u5206\u5305\u62ec\u6309\u65f6\u652f\u4ed8\u8d26\u5355\u3001\u51cf\u5c11\u503a\u52a1\u4f59\u989d\u4ee5\u53ca\u907f\u514d\u9891\u7e41\u7533\u8bf7\u65b0\u4fe1\u7528\u3002\u4fdd\u6301\u957f\u671f\u4e14\u591a\u6837\u5316\u7684\u4fe1\u7528\u8bb0\u5f55\u4e5f\u6709\u5e2e\u52a9\u3002<\/p>\n\n\n\n \u5927\u591a\u6570\u91d1\u878d\u5e94\u7528\u7a0b\u5e8f\u90fd\u4f7f\u7528\u5f3a\u5927\u7684\u5b89\u5168\u63aa\u65bd\uff0c\u4f46\u68c0\u67e5\u5e94\u7528\u7a0b\u5e8f\u7684\u58f0\u8a89\u5e76\u786e\u4fdd\u5176\u4f7f\u7528\u52a0\u5bc6\u548c\u5176\u4ed6\u6570\u636e\u4fdd\u62a4\u63aa\u65bd\u975e\u5e38\u91cd\u8981\u3002<\/p>\n\n\n\n \u9000\u4f11\u50a8\u84c4\u5305\u62ec\u5c3d\u65e9\u5f00\u59cb\u3001\u5229\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8ba1\u5212\uff08\u4f8b\u5982\u7f8e\u56fd\u7684 401(k)\uff09\u4ee5\u53ca\u8003\u8651\u5f00\u8bbe\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (IRA)\u3002<\/p>\n\n\n\n \u5e94\u6025\u57fa\u91d1\u662f\u4e00\u79cd\u8d22\u52a1\u50a8\u5907\uff0c\u65e8\u5728\u5f25\u8865\u610f\u5916\u5f00\u652f\u6216\u6536\u5165\u635f\u5931\uff0c\u800c\u5b9a\u671f\u50a8\u84c4\u5219\u7528\u4e8e\u7279\u5b9a\u7684\u8d22\u52a1\u76ee\u6807\uff0c\u4f8b\u5982\u65c5\u884c\u6216\u8d2d\u4e70\u5546\u54c1\u3002<\/p>\n\n\n\n \u51b3\u5b9a\u662f\u5426\u507f\u8fd8\u503a\u52a1\u6216\u6295\u8d44\u53d6\u51b3\u4e8e\u503a\u52a1\u5229\u7387\u548c\u6f5c\u5728\u7684\u6295\u8d44\u56de\u62a5\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u5efa\u8bae\u5728\u6295\u8d44\u524d\u8fd8\u6e05\u9ad8\u606f\u503a\u52a1\u3002<\/p>\n\n\n\n \u6559\u6388\u5b69\u5b50\u4eec\u91d1\u878d\u77e5\u8bc6\u5305\u62ec\u516c\u5f00\u8ba8\u8bba\u91d1\u94b1\u3001\u7ed9\u4e88\u4ed6\u4eec\u7ba1\u7406\u96f6\u7528\u94b1\u3001\u9f13\u52b1\u4ed6\u4eec\u6709\u610f\u8bc6\u5730\u50a8\u84c4\u548c\u6d88\u8d39\u3002<\/p>\n\n\n\n \u5982\u679c\u60a8\u9762\u4e34\u8d22\u52a1\u56f0\u96be\uff0c\u91cd\u8981\u7684\u662f\u5ba1\u67e5\u60a8\u7684\u9884\u7b97\u3001\u51cf\u5c11\u4e0d\u5fc5\u8981\u7684\u5f00\u652f\u3001\u5bfb\u6c42\u8d22\u52a1\u5efa\u8bae\u5e76\u8003\u8651\u503a\u52a1\u91cd\u65b0\u8c08\u5224\u3002<\/p>\n\n\n\n <\/p>\n\n\n\n\u91d1\u878d\u6559\u80b2\u57fa\u7840<\/strong><\/h3>\n\n\n\n
\u4e2a\u4eba\u548c\u5bb6\u5ead\u9884\u7b97<\/strong><\/h4>\n\n\n\n
\u8d39\u7528\u63a7\u5236<\/strong><\/h4>\n\n\n\n
\u8d22\u52a1\u7ba1\u7406\u5e94\u7528<\/strong><\/h3>\n\n\n\n
\u660e\u767d\u4e86\uff0c\u6211\u5c06\u91cd\u5199\u4ee5\u201c\u91d1\u878d\u6559\u80b2\u201d\u4e3a\u5173\u952e\u8bcd\u7684\u6587\u7ae0\uff0c\u5e76\u5c06\u5176\u6269\u5c55\u81f3\u8fbe\u5230\u8981\u6c42\u7684\u5b57\u6570\uff0c\u540c\u65f6\u4fdd\u6301\u53ef\u8bfb\u6027\u5e76\u4ee5\u76f8\u5173\u65b9\u5f0f\u5408\u5e76\u8be5\u5173\u952e\u8bcd\u3002\u6807\u9898\u4e5f\u5c06\u8fdb\u884c\u8c03\u6574\u4ee5\u53cd\u6620\u5173\u952e\u5b57\u3002\u4ee5\u4e0b\u662f\u6587\u7ae0\u7684\u4fee\u8ba2\u548c\u6269\u5c55\u7248\u672c\uff1a<\/p>\n\n\n\n
\n\n\n\n\u201c\u8d22\u52a1\u6559\u80b2\uff1a\u7ba1\u7406\u4e2a\u4eba\u8d22\u52a1\u7684\u7b56\u7565\u201d<\/strong><\/h3>\n\n\n\n
\u8d22\u5546\u6559\u80b2\u7b80\u4ecb<\/strong><\/h3>\n\n\n\n
\u91d1\u878d\u6559\u80b2\u57fa\u7840<\/strong><\/h3>\n\n\n\n
\u4e2a\u4eba\u548c\u5bb6\u5ead\u9884\u7b97<\/strong><\/h4>\n\n\n\n
\u8d39\u7528\u63a7\u5236<\/strong><\/h4>\n\n\n\n
\u8d22\u52a1\u7ba1\u7406\u5e94\u7528<\/strong><\/h3>\n\n\n\n
1.\u8584\u8377<\/strong><\/h4>\n\n\n\n
2.\u4f60\u9700\u8981\u9884\u7b97\uff08YNAB\uff09<\/strong><\/h4>\n\n\n\n
3. \u6a61\u5b50<\/strong><\/h4>\n\n\n\n
4. \u4e2a\u4eba\u8d44\u672c<\/strong><\/h4>\n\n\n\n
\u6295\u8d44\u548c\u50a8\u84c4\uff1a\u6269\u5927\u91d1\u878d\u6559\u80b2<\/strong><\/h3>\n\n\n\n
\u4e86\u89e3\u6295\u8d44<\/strong><\/h4>\n\n\n\n
\u50a8\u84c4\u7684\u91cd\u8981\u6027<\/strong><\/h4>\n\n\n\n
\u8d22\u5546\u6559\u80b2\u5e38\u89c1\u95ee\u9898\u89e3\u7b54<\/strong><\/h3>\n\n\n\n
1. \u4e3a\u4ec0\u4e48\u8d22\u5546\u6559\u80b2\u5f88\u91cd\u8981\uff1f<\/strong><\/h4>\n\n\n\n
2.\u5982\u4f55\u7528\u5f88\u5c11\u7684\u94b1\u5f00\u59cb\u6295\u8d44\uff1f<\/strong><\/h4>\n\n\n\n
3. \u5236\u5b9a\u9884\u7b97\u7684\u6700\u4f73\u65b9\u5f0f\u662f\u4ec0\u4e48\uff1f<\/strong><\/h4>\n\n\n\n
4. \u5982\u4f55\u63d0\u9ad8\u6211\u7684\u4fe1\u7528\u8bc4\u5206\uff1f<\/strong><\/h4>\n\n\n\n
5. \u4f7f\u7528\u91d1\u878d\u5e94\u7528\u7a0b\u5e8f\u5b89\u5168\u5417\uff1f<\/strong><\/h4>\n\n\n\n
6. \u6211\u5982\u4f55\u4e3a\u9000\u4f11\u50a8\u84c4\uff1f<\/strong><\/h4>\n\n\n\n
7. \u5e94\u6025\u57fa\u91d1\u548c\u5b9a\u671f\u50a8\u84c4\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/strong><\/h4>\n\n\n\n
8. \u6211\u5e94\u8be5\u5148\u8fd8\u6e05\u503a\u52a1\u8fd8\u662f\u5148\u6295\u8d44\uff1f<\/strong><\/h4>\n\n\n\n
9. \u5982\u4f55\u5bf9\u5b69\u5b50\u8fdb\u884c\u7406\u8d22\u6559\u80b2\uff1f<\/strong><\/h4>\n\n\n\n
10. \u5982\u679c\u6211\u9047\u5230\u7ecf\u6d4e\u56f0\u96be\u8be5\u600e\u4e48\u529e\uff1f<\/strong><\/h4>\n\n\n\n