{"id":15187,"date":"2026-05-15T19:24:22","date_gmt":"2026-05-15T11:24:22","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=15187"},"modified":"2026-05-15T19:33:53","modified_gmt":"2026-05-15T11:33:53","slug":"%e6%88%90%e5%8a%9f%e6%8a%95%e8%b3%87%e6%98%af%e5%81%bd%e8%a3%9d%e6%88%90%e6%95%b8%e5%ad%b8%e7%9a%84%e5%bf%83%e7%90%86%e7%a7%91%e5%ad%b8%ef%bc%9a%e4%b8%80%e4%bb%a3%e4%ba%ba%e7%9a%84%e8%a1%80%e6%b7%9a","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=15187","title":{"rendered":"\u6210\u529f\u6295\u8cc7\u662f\u507d\u88dd\u6210\u6578\u5b78\u7684\u5fc3\u7406\u79d1\u5b78\uff1a\u4e00\u4ee3\u4eba\u7684\u8840\u6dda\u6559\u8a13\u70ba\u4ec0\u9ebc\u9020\u5c31\u7f8e\u570b\u6700\u5f8c\u9078\u64c7\u7528\u76ee\u6a19\u5230\u671f\u57fa\u91d1\u4f5c\u70ba\u9810\u8a2d\u9078\u9805\uff1f"},"content":{"rendered":"\n<p>\u4eca\u5929\u53c3\u52a0 2026 \u8cc7\u7522\u7ba1\u7406\u8ad6\u58c7\uff0c\u7b2c\u4e00\u500b\u8b1b\u8005\u662f\u5bcc\u9054\u5927\u4e2d\u83ef\u5340\u6295\u8cc7\u7b56\u7565\u53ca\u696d\u52d9\u8cc7\u6df1\u9867\u554f\u912d\u4efb\u9060\uff08Ren Cheng\uff09\u5148\u751f\uff0c\u5206\u4eab\u3008\u7f8e\u570b\u7b2c\u4e8c\u548c\u4e09\u652f\u67f1\u9000\u4f11\u91d1\u5236\u5ea6\u767c\u5c55\u73fe\u6cc1\u53ca\u5c0d\u81fa\u7063\u4e4b\u555f\u793a\u3009\u3002<\/p>\n\n\n\n<p>\u5167\u5bb9\u5927\u81f4\u4ee5\u81ea\u5df1\u5728\u9000\u4f11\u91d1\u8207\u8cc7\u7522\u7ba1\u7406\u9818\u57df\u8d85\u904e\u56db\u5341\u5e74\u7684\u5be6\u6230\u7d93\u9a57\uff0c\u56de\u9867\u7f8e\u570b\u5982\u4f55\u5f9e\u4e00\u6b21\u6b21\u932f\u8aa4\u4e2d\u4fee\u6b63\u5236\u5ea6\uff0c\u6700\u5f8c\u5efa\u7acb\u8f03\u6210\u719f\u7684\u9000\u4f11\u91d1\u67b6\u69cb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u95dc\u65bc\u8b1b\u8005<\/h3>\n\n\n\n<p>\u912d\u5148\u751f\u51fa\u751f\u65bc\u53f0\u5317\uff0c\u53f0\u5927\u7d93\u6fdf\u7cfb\u7562\u696d\u4e26\u670d\u5b8c\u7279\u7a2e\u90e8\u968a\u5175\u5f79\u5f8c\uff0c\u524d\u5f80\u7f8e\u570b\u5e03\u6717\u5927\u5b78\u653b\u8b80\u7d93\u6fdf\u5b78\u535a\u58eb\u3002<\/p>\n\n\n\n<p>1980 \u5e74\u4ee3\u4e2d\u671f\uff0c\u4ed6\u56e0\u5b78\u6821\u8ca1\u52d9\u56f0\u96e3\u8207\u751f\u6d3b\u58d3\u529b\u800c\u8f49\u5165\u8cc7\u7522\u7ba1\u7406\u884c\u696d\uff0c\u6b64\u5f8c\u9577\u671f\u5c08\u6ce8\u65bc\u9000\u4f11\u91d1\u4e00\u3001\u4e8c\u3001\u4e09\u652f\u67f1\u5236\u5ea6\u7684\u7814\u7a76\u8207\u7ba1\u7406\uff0c\u628a\u990a\u8001\u91d1\u8996\u70ba\u7d50\u5408\u9577\u671f\u6295\u8cc7\u8207\u98a8\u96aa\u7ba1\u7406\u7684\u4e00\u9805\u5c08\u696d\u4f7f\u547d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u7f8e\u570b\u9000\u4f11\u91d1\u5236\u5ea6\u7684\u6f14\u9032\uff1a\u5f9e DB \u5230\u500b\u4eba\u5e33\u6236<\/strong><\/h2>\n\n\n\n<p>\u82e5\u4ee5\u4e16\u754c\u9280\u884c\u7684\u591a\u652f\u67f1\u67b6\u69cb\u4f86\u770b\uff0c\u7f8e\u570b\u9000\u4f11\u91d1\u5236\u5ea6\u5927\u81f4\u53ef\u5206\u70ba\u4e09\u5c64\uff1a\u7b2c\u4e00\u652f\u67f1\u662f\u7531\u653f\u5e9c\u63d0\u4f9b\u7684\u516c\u5171\u5e74\u91d1\uff08Social Security\uff09\uff0c\u7b2c\u4e8c\u652f\u67f1\u662f\u96c7\u4e3b\u63d0\u4f9b\u7684\u8077\u696d\u9000\u4f11\u91d1\uff08\u65e9\u671f\u4ee5\u78ba\u5b9a\u7d66\u4ed8\u5236 DB \u70ba\u4e3b\uff0c\u5f8c\u671f\u9010\u6f38\u8f49\u5411 401(k) \u7b49\u78ba\u5b9a\u63d0\u64a5\u5236 DC\uff09\uff0c\u7b2c\u4e09\u652f\u67f1\u5247\u662f IRA \u7b49\u500b\u4eba\u81ea\u9858\u6027\u5132\u84c4\u3002<\/p>\n\n\n\n<p>1974 \u5e74\uff0c\u7f8e\u570b\u901a\u904e\u300a\u96c7\u54e1\u9000\u4f11\u6240\u5f97\u5b89\u5168\u6cd5\u6848\u300b\uff08Employee Retirement Income Security Act, ERISA\uff09\uff0c\u5c0d\u79c1\u90e8\u9580\u7684\u9000\u4f11\u91d1\u8a08\u756b\u8a02\u5b9a\u56b4\u683c\u7684\u8cc7\u91d1\u4fdd\u7ba1\u3001\u63d0\u64a5\u8207\u8cc7\u8a0a\u63ed\u9732\u6a19\u6e96\uff0c\u4ee5\u5f37\u5316\u52de\u5de5\u7684\u9000\u4f11\u91d1\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u7576\u6642\u7f8e\u570b\u7b2c\u4e8c\u652f\u67f1\u4ecd\u4ee5 DB \u5236\u5ea6\u70ba\u4e3b\uff0c\u9019\u7a2e\u5236\u5ea6\u6bd4\u8f03\u78ba\u5b9a\u8207\u4fdd\u8b49\u7d66\u4ed8\uff0c\u96c7\u4e3b\u627f\u8afe\u4f9d\u7167\u7cbe\u7b97\u516c\u5f0f\u7d66\u4ed8\u9000\u4f11\u91d1\uff0c\u8207\u53f0\u7063\u52de\u4fdd\u8207\u90e8\u5206\u820a\u5236\u9000\u64ab\u5236\u5ea6\u7684\u6982\u5ff5\u76f8\u8fd1\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\u9019\u7a2e\u5236\u5ea6\u7684\u7a69\u5b9a\u904b\u4f5c\u9ad8\u5ea6\u4ef0\u8cf4\u300c\u91d1\u5b57\u5854\u578b\u300d\u4eba\u53e3\u7d50\u69cb\uff0c\u610f\u601d\u662f\u8981\u5e74\u8f15\u4eba\u591a\uff0c\u8001\u5e74\u4eba\u5c11\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u653f\u5e9c\u5728 1970 \u5e74\u4ee3\u4e2d\u671f\u5c31\u5df2\u9810\u898b\uff0c\u7576\u5b30\u5152\u6f6e\u4e16\u4ee3\u65bc 1990\u20132010 \u5e74\u9593\u9678\u7e8c\u9000\u4f11\uff0c\u4eba\u53e3\u8001\u5316\u5c07\u4f7f\u7d14 DB \u5236\u5ea6\u96e3\u4ee5\u70ba\u7e7c\uff0c\u8ca1\u52d9\u58d3\u529b\u7d42\u5c07\u7d2f\u7a4d\u6210\u793e\u6703\u8207\u653f\u6cbb\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5f9e 1980 \u5e74\u4ee3\u958b\u59cb\uff0c\u7f8e\u570b\u9010\u6b65\u64f4\u5927\u78ba\u5b9a\u63d0\u64a5\u5236\uff08Defined Contribution, DC\uff09\u500b\u4eba\u5e33\u6236\u7684\u89d2\u8272\uff0c\u5305\u542b 401(k) \u9019\u985e\u96c7\u4e3b\u63d0\u4f9b\u3001\u4f46\u8cc7\u7522\u8a18\u5728\u500b\u4eba\u540d\u4e0b\u7684\u8a08\u756b\uff0c\u4ee5\u53ca\u7b2c\u4e09\u652f\u67f1\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account, IRA\uff09\u3002<\/p>\n\n\n\n<p>\u9019\u4e9b\u5236\u5ea6\u900f\u904e\u7a05\u8ca0\u512a\u60e0\u8207\u5f48\u6027\u63d0\u64a5\u6a5f\u5236\uff0c\u5f15\u5c0e\u8cc7\u91d1\u5f9e\u50b3\u7d71 DB \u8f49\u5411\u500b\u4eba\u5e33\u6236\u5236\uff0c\u96d6\u7136\u4e0d\u662f\u5b57\u9762\u4e0a\u7684\u300c\u767c\u660e\u500b\u4eba\u5e33\u6236\u300d\uff0c\u4f46\u78ba\u5be6\u5927\u5e45\u6539\u8b8a\u4e86\u9000\u4f11\u91d1\u7684\u5236\u5ea6\u91cd\u5fc3\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image\"><a class=\"image-link image2 is-viewable-img\" href=\"https:\/\/images.unsplash.com\/photo-1682687220742-aba13b6e50ba?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wzMDAzMzh8MHwxfHNlYXJjaHwxMXx8ZXhwZXJpZW5jZXxlbnwwfHx8fDE3Nzg0OTM0Mzd8MA&amp;ixlib=rb-4.1.0&amp;q=80&amp;w=1080\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1682687220742-aba13b6e50ba?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=M3wzMDAzMzh8MHwxfHNlYXJjaHwxMXx8ZXhwZXJpZW5jZXxlbnwwfHx8fDE3Nzg0OTM0Mzd8MA&amp;ixlib=rb-4.1.0&amp;q=80&amp;w=1080\" alt=\"a person standing on top of a rocky hill\" title=\"a person standing on top of a rocky hill\"\/><\/a><figcaption class=\"wp-element-caption\">Photo by <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/unsplash.com\/@neom\">NEOM<\/a> on <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/unsplash.com\">Unsplash<\/a><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6158\u75db\u6559\u8a13\uff1a3\u500b\u5728\u300c\u7406\u6027\u4eba\u300d\u5047\u8a2d\u4e0b\u7684\u7d50\u69cb\u6027\u932f\u8aa4<\/strong><\/h2>\n\n\n\n<p>1970\u20131990 \u5e74\u4ee3\uff0c\u7f8e\u570b\u9000\u4f11\u91d1\u5236\u5ea6\u5728\u8a2d\u8a08\u4e0a\u666e\u904d\u5047\u8a2d\u6295\u8cc7\u4eba\u662f\u300c\u7406\u6027\u7684\u7d93\u6fdf\u4eba\u300d\uff1a\u53ea\u8981\u63d0\u4f9b\u8db3\u5920\u7684\u6559\u80b2\u3001\u8cc7\u8a0a\u8207\u591a\u6a23\u7522\u54c1\u9078\u9805\uff0c\u591a\u6578\u4eba\u5c31\u6703\u505a\u51fa\u9069\u7576\u7684\u6295\u8cc7\u6c7a\u7b56\u3002<\/p>\n\n\n\n<p>\u912d\u5148\u751f\u900f\u904e\u5bcc\u9054\u4e0a\u5343\u842c\u5ba2\u6236\u7684\u5927\u6578\u64da\u89c0\u5bdf\uff0c\u537b\u770b\u5230\u622a\u7136\u76f8\u53cd\u7684\u73fe\u5be6\uff1a\u6295\u8cc7\u4eba\u9ad8\u5ea6\u60c5\u7dd2\u5316\uff0c\u5f80\u5f80\u5728\u6ce1\u6cab\u6642\u8ffd\u9ad8\u3001\u5d29\u76e4\u5f8c\u780d\u5728\u4f4e\u9ede\uff0c\u5f62\u6210\u300c\u9ad8\u8cb7\u4f4e\u8ce3\u300d\u7684\u53cd\u5c04\u884c\u70ba\u3002<\/p>\n\n\n\n<p>\u4ed6\u7279\u5225\u6307\u51fa\u4e09\u500b\u73fe\u8c61\uff1a<\/p>\n\n\n\n<p>\u7b2c\u4e00\uff0c<strong>\u60c5\u7dd2\u4e3b\u5c0e\u884c\u70ba\uff0c\u5e02\u5834\u6a02\u89c0\u6642\u5927\u91cf\u96c6\u4e2d\u65bc\u9ad8\u98a8\u96aa\u8cc7\u7522\uff0c\u60b2\u89c0\u6642\u53c8\u5168\u7e2e\u56de\u8ca8\u5e63\u5e02\u5834\u5de5\u5177<\/strong>\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e8c\uff0c<strong>\u7522\u54c1\u9078\u64c7\u904e\u591a\u53cd\u800c\u964d\u4f4e\u5831\u916c<\/strong>\uff0c\u7814\u7a76\u8207\u5be6\u52d9\u6578\u64da\u5747\u986f\u793a\uff0c\u9078\u9805\u6108\u591a\uff0c\u6295\u8cc7\u4eba\u6108\u5bb9\u6613\u7336\u8c6b\u8207\u5f8c\u6094\uff0c\u53cd\u800c\u5c0e\u81f4\u7d44\u5408\u8868\u73fe\u8b8a\u5dee\uff0c\u5370\u8b49\u4e86\u300c\u5c11\u5247\u5f97\uff0c\u591a\u5247\u60d1\u300d\u7684\u73fe\u8c61\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e09\uff0c<strong>\u6975\u7aef\u98a8\u96aa\u914d\u7f6e\u5341\u5206\u666e\u904d\uff0c\u5728\u79d1\u6280\u6ce1\u6cab\u524d\u5f8c\uff0c\u5927\u91cf\u5e33\u6236\u8981\u4e0d\u662f\u904e\u5ea6\u6fc0\u9032\uff0c\u5c31\u662f\u6975\u7aef\u4fdd\u5b88\uff0c\u96e3\u4ee5\u9054\u6210\u9577\u671f\u9000\u4f11\u76ee\u6a19<\/strong>\u3002<\/p>\n\n\n\n<p>\u5236\u5ea6\u5728\u5f88\u9577\u4e00\u6bb5\u6642\u9593\u88e1\uff0c\u6c92\u6709\u628a\u300c\u4eba\u662f\u4e0d\u7406\u6027\u7684\u300d\u7d0d\u5165\u8a2d\u8a08\u524d\u63d0\uff0c\u7d50\u679c\u662f\uff1a<strong>\u4e00\u6574\u4ee3\u751a\u81f3\u300c\u4e00\u4ee3\u534a\u300d\u7684\u7f8e\u570b\u52de\u5de5\uff0c\u932f\u5931\u4e86\u539f\u672c\u6709\u6a5f\u6703\u900f\u904e\u5e02\u5834\u7d2f\u7a4d\u9000\u4f11\u8cc7\u7522\u7684\u9ec3\u91d1\u6642\u671f<\/strong>\u3002<\/p>\n\n\n\n<p>\u591a\u9805\u570b\u5bb6\u7d1a\u8207\u6c11\u9593\u8abf\u67e5\u4e5f\u986f\u793a\uff0c\u5927\u7d04\u4e00\u5230\u5169\u6210\u4ee5\u4e0a\u7684 50 \u6b72\u6216 60 \u6b72\u4ee5\u4e0a\u7f8e\u570b\u6210\u5e74\u4eba\u5b8c\u5168\u6c92\u6709\u4efb\u4f55\u9000\u4f11\u5132\u84c4\uff0c\u51f8\u986f\u554f\u984c\u81f3\u4eca\u4ecd\u672a\u5b8c\u5168\u89e3\u6c7a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9769\u547d\u6027\u7684\u8f49\u6298\uff1a\u76ee\u6a19\u5230\u671f\u57fa\u91d1\u8207\u9810\u8a2d\u5236\u5ea6<\/strong><\/h2>\n\n\n\n<p>1994 \u5e74\uff0c\u912d\u4efb\u9060\u5148\u751f\u52a0\u5165\u5bcc\u9054\u6295\u4fe1\uff08Fidelity Investments\uff09\uff0c\u9032\u5165 Global Asset Allocation \u5718\u968a\u3002<\/p>\n\n\n\n<p>\u4ed6\u904b\u7528\u7269\u7406\u5b78\u4e2d\u7684\u504f\u5fae\u5206\u65b9\u7a0b\u8207\u98a8\u96aa\u7ba1\u7406\u6a21\u578b\u8a2d\u8a08\u8cc7\u7522\u914d\u7f6e\u8def\u5f91\uff0c\u53c3\u8207\u958b\u767c\u4e86\u5bcc\u9054 Freedom Fund \u76ee\u6a19\u5230\u671f\u57fa\u91d1\u7cfb\u5217\uff0c\u65bc 1996 \u5e74 10 \u6708\u6b63\u5f0f\u63a8\u51fa\uff0c\u6210\u70ba\u73fe\u4ee3 TDF \u7684\u91cd\u8981\u91cc\u7a0b\u7891\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u9019\u985e\u57fa\u91d1\u6703\u96a8\u8457\u6295\u8cc7\u4eba\u63a5\u8fd1\u9000\u4f11\u5e74\u9f61\uff0c\u81ea\u52d5\u7531\u9ad8\u80a1\u6b0a\u6bd4\u4f8b\u9010\u6b65\u8f49\u70ba\u8f03\u4fdd\u5b88\u7684\u7d44\u5408\uff0c\u8b93\u4e00\u822c\u6295\u8cc7\u4eba\u53ea\u9700\u9078\u64c7\u8207\u81ea\u5df1\u9810\u5b9a\u9000\u4f11\u5e74\u4efd\u76f8\u8fd1\u7684\u57fa\u91d1\u5373\u53ef\u3002<\/p>\n\n\n\n<p>2006 \u5e74\u7684\u300a\u990a\u8001\u91d1\u4fdd\u8b77\u6cd5\u6848\u300b\uff08Pension Protection Act, PPA\uff09\u5247\u5728\u5236\u5ea6\u5c64\u9762\u5e36\u4f86\u95dc\u9375\u7a81\u7834\u3002<\/p>\n\n\n\n<p>PPA \u70ba 401(k) \u7b49 DC \u8a08\u756b\u7684\u81ea\u52d5\u52a0\u5165\uff08automatic enrollment\uff09\u8207\u9810\u8a2d\u6295\u8cc7\u9078\u9805\u63d0\u4f9b ERISA \u4e0b\u7684\u6cd5\u5f8b\u5b89\u5168\u6e2f\uff0c\u4e26\u660e\u5b9a\u300c\u5408\u683c\u9810\u8a2d\u6295\u8cc7\u6a19\u7684\u300d\uff08Qualified Default Investment Alternative, QDIA\uff09\uff0c\u5176\u4e2d\u5c31\u5305\u62ec\u76ee\u6a19\u5230\u671f\u57fa\u91d1\u3001\u5e73\u8861\u578b\u57fa\u91d1\u8207\u5c08\u696d\u7ba1\u7406\u5e33\u6236\u3002\u53ea\u8981\u96c7\u4e3b\u4f9d\u898f\u5b9a\u4f7f\u7528 QDIA \u4f5c\u70ba\u9810\u8a2d\u6a19\u7684\uff0c\u5c31\u53ef\u4ee5\u5728\u54e1\u5de5\u672a\u4e3b\u52d5\u9078\u64c7\u6642\u4ee3\u70ba\u6295\u8cc7\uff0c\u540c\u6642\u964d\u4f4e\u672a\u4f86\u88ab\u8ffd\u7a76\u6295\u8cc7\u8cac\u4efb\u7684\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u5728\u6b64\u57fa\u790e\u4e0a\uff0c\u7f8e\u570b\u9010\u6b65\u5f62\u6210\u6240\u8b02\u7684\u300c\u4e09\u81ea\u52d5\u300d\u8a2d\u8a08\uff1a\u54e1\u5de5\u81ea\u52d5\u52a0\u5165\u8a08\u756b\u3001\u8cc7\u91d1\u81ea\u52d5\u6295\u5165 TDF \u7b49 QDIA\u3001\u63d0\u64a5\u7387\u6bcf\u5e74\u81ea\u52d5\u63d0\u9ad8\u3002\u9019\u5957\u67b6\u69cb\u628a\u539f\u672c\u4ef0\u8cf4\u6295\u8cc7\u4eba\u4e3b\u52d5\u6c7a\u7b56\u7684\u9000\u4f11\u6e96\u5099\uff0c\u6539\u70ba\u4ee5\u5236\u5ea6\u9810\u8a2d\u4f86\u77ef\u6b63\u4eba\u6027\u7684\u60f0\u6027\u8207\u77ed\u8996\u3002<\/p>\n\n\n\n<p>2022 \u5e74\u901a\u904e\u7684\u300aSECURE 2.0 \u6cd5\u6848\u300b\u66f4\u898f\u5b9a\uff0c\u81ea 2025 \u5e74\u8d77\uff0c\u65b0\u6210\u7acb\u7684 401(k) \u8207 403(b) \u8a08\u756b\u539f\u5247\u4e0a\u5fc5\u9808\u63a1\u7528\u81ea\u52d5\u52a0\u5165\u8207\u81ea\u52d5\u63d0\u9ad8\u63d0\u64a5\u7387\u6a5f\u5236\uff0c\u8b93\u300c\u9810\u8a2d\u6b63\u78ba\u300d\u5f9e\u9f13\u52f5\u63aa\u65bd\u8d70\u5411\u90e8\u5206\u5f37\u5236\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6578\u64da\u6d1e\u898b\u8207\u5e02\u5834\u5f71\u97ff<\/strong><\/h2>\n\n\n\n<p>\u5728 PPA\u3001QDIA \u8207\u76ee\u6a19\u5230\u671f\u57fa\u91d1\u7684\u7d50\u5408\u4e0b\uff0c\u7f8e\u570b TDF \u5e02\u5834\u7684\u898f\u6a21\u5728\u904e\u53bb\u4e8c\u5341\u5e74\u5feb\u901f\u6210\u9577\u3002\u7814\u7a76\u986f\u793a\uff0cTDF \u81ea 1990 \u5e74\u4ee3\u4e2d\u5f8c\u671f\u8d77\u6b65\u6642\u898f\u6a21\u4e0d\u5230\u767e\u5104\u7f8e\u5143\uff0c\u5230 2000 \u5e74\u4ee3\u4e2d\u671f\u5df2\u9054\u6578\u767e\u5104\u4e43\u81f3\u6578\u5343\u5104\u7f8e\u5143\uff1b\u4e4b\u5f8c\u96a8\u8457\u6210\u70ba 401(k) \u7684\u4e3b\u8981\u9810\u8a2d\u9078\u9805\uff0c\u8cc7\u7522\u4e00\u8def\u64f4\u5f35\u3002<\/p>\n\n\n\n<p>\u5230 2021 \u5e74\u5e95\uff0c\u7f8e\u570b TDF\uff08\u542b\u516c\u52df\u57fa\u91d1\u8207 CIT\uff09\u8cc7\u7522\u7d04 3.25 \u5146\u7f8e\u5143\uff0c2025 \u5e74\u5e95\u66f4\u9054\u7d04 5.2 \u5146\u7f8e\u5143\uff0c\u5176\u4e2d\u5927\u90e8\u5206\u4f86\u81ea 401(k) \u7b49 DC \u8a08\u756b\u8cc7\u91d1\u3002\u9019\u4e9b\u8cc7\u7522\u5982\u4eca\u7d04\u5360 401(k) \u8cc7\u91d1\u7684\u534a\u6578\u5de6\u53f3\uff0c\u4e14\u5728\u8a31\u591a\u8a08\u756b\u4e2d\u5df2\u6210\u70ba\u591a\u6578\u53c3\u8207\u8005\u7684\u4e3b\u8981\u6295\u8cc7\u5de5\u5177\u3002<\/p>\n\n\n\n<p>\u9019\u6a23\u7684\u67b6\u69cb\u5c0d\u5e02\u5834\u7522\u751f\u4e86\u5169\u500b\u6df1\u9060\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e00\uff0c\u6e90\u6e90\u4e0d\u7d55\u4e14\u898f\u5f8b\u7684\u81ea\u52d5\u63d0\u64a5\uff0c\u5f62\u6210\u7a69\u5b9a\u7684\u9577\u671f\u8cb7\u76e4\uff0c\u63d0\u4f9b\u80a1\u5e02\u67d0\u7a2e\u7a0b\u5ea6\u7684\u300c\u5167\u751f\u652f\u6490\u300d\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e8c\uff0cTDF \u672c\u8eab\u7684\u518d\u5e73\u8861\u6a5f\u5236\u6703\u5728\u80a1\u5e02\u904e\u5ea6\u4e0a\u6f32\u6642\u8ce3\u51fa\u4e00\u90e8\u5206\u80a1\u7968\u3001\u5728\u5927\u8dcc\u6642\u9010\u6b65\u52a0\u78bc\uff0c\u4f7f\u5f97 TDF \u6295\u8cc7\u4eba\u6574\u9ad4\u5448\u73fe\u8f03\u70ba\u300c\u9006\u52e2\u300d\u7684\u884c\u70ba\uff0c\u6709\u7814\u7a76\u8a8d\u70ba\u9019\u6709\u52a9\u65bc\u964d\u4f4e\u90e8\u5206\u77ed\u671f\u6ce2\u52d5\uff0c\u589e\u52a0\u5e02\u5834\u7684\u97cc\u6027\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6211\u7684\u5fc3\u5f97<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. \u912d\u4efb\u9060\u5148\u751f\u7684\u50b3\u5947\u8207 \u76ee\u6a19\u5230\u671f\u57fa\u91d1\uff08TDF\uff09 \u7684\u8a95\u751f<\/strong><\/h4>\n\n\n\n<p>\u4ee4\u4eba\u6b3d\u4f69\u7684\u662f\uff0c\u912d\u5148\u751f\u5c0d\u990a\u8001\u91d1\u5236\u5ea6\u7684\u6295\u5165\u6e90\u65bc\u73fe\u5be6\u751f\u6d3b\u58d3\u529b\uff0c\u537b\u5728\u904e\u7a0b\u4e2d\u8f49\u5316\u70ba\u670d\u52d9\u6578\u5343\u842c\u6295\u8cc7\u4eba\u7684\u5fd7\u696d\u3002<\/p>\n\n\n\n<p>\u4ed6\u5c07\u7269\u7406\u5b78\u8207\u6578\u5b78\u7684\u56b4\u8b39\u5de5\u5177\u5f15\u5165\u8cc7\u7522\u914d\u7f6e\uff0c\u5354\u52a9\u8a2d\u8a08\u51fa\u4ee5\u300c\u9000\u4f11\u5e74\u4efd\u300d\u70ba\u6838\u5fc3\u7684 Freedom Fund\uff0c\u628a\u539f\u672c\u7e41\u7463\u7684\u8cc7\u7522\u914d\u7f6e\u6c7a\u7b56\uff0c\u8f49\u5316\u70ba\u4e00\u822c\u6c11\u773e\u4e5f\u80fd\u7406\u89e3\u8207\u4f7f\u7528\u7684\u55ae\u4e00\u9078\u64c7\uff0c\u9019\u5728\u9000\u4f11\u91d1\u878d\u6559\u80b2\u4e0a\u662f\u6975\u5927\u7684\u9032\u6b65\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. \u6210\u529f\u7684\u6295\u8cc7\u662f\u300c\u507d\u88dd\u6210\u6578\u5b78\u7684\u5fc3\u7406\u79d1\u5b78\u300d<\/strong><\/h4>\n\n\n\n<p>\u6210\u529f\u7684\u6295\u8cc7\u5176\u5be6\u662f\u300c\u507d\u88dd\u6210\u6578\u5b78\u7684\u5fc3\u7406\u79d1\u5b78\u300d\uff0c\u9019\u662f\u6211\u5728\u9019\u5834\u5206\u4eab\u4e2d\u6700\u559c\u6b61\u7684\u4e00\u53e5\u8a71\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u5e02\u5834\u5145\u6eff\u6a21\u578b\u3001\u6578\u64da\u8207\u516c\u5f0f\uff0c\u4f46\u771f\u6b63\u6c7a\u5b9a\u9577\u671f\u6210\u679c\u7684\uff0c\u5f80\u5f80\u662f\u6295\u8cc7\u4eba\u80fd\u5426\u5728\u6050\u61fc\u8207\u8caa\u5a6a\u62c9\u626f\u4e2d\u4fdd\u6301\u7d00\u5f8b\u3002<\/p>\n\n\n\n<p>\u4eca\u65e5\u6211\u5011\u719f\u6089\u7684\u300c\u5118\u65e9\u958b\u59cb\u6295\u8cc7\u300d\u3001\u300c\u5206\u6563\u6295\u8cc7\u300d\u3001\u300c\u751f\u547d\u9031\u671f\u914d\u7f6e\u300d\u8207\u300c\u5b9a\u671f\u518d\u5e73\u8861\u300d\uff0c\u80cc\u5f8c\u662f\u4e00\u6574\u4ee3\u7f8e\u570b\u52de\u5de5\u5728 401(k) \u5236\u5ea6\u4e0b\u4ea4\u51fa\u7684\u8840\u6dda\u5b78\u8cbb\u3002<\/p>\n\n\n\n<p>\u7d00\u5f8b\u4e26\u4e0d\u662f\u70ba\u4e86\u8ffd\u9010\u77ed\u671f\u8d85\u984d\u5831\u916c\uff0c\u800c\u662f\u70ba\u4e86\u5c0d\u6297\u4eba\u985e\u672c\u80fd\u7684\u77ed\u8996\u8207\u4e0d\u7406\u6027\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. \u5236\u5ea6\u8a2d\u8a08\u52dd\u65bc\u7406\u6027\u671f\u5f85\uff1a\u5c0d\u81fa\u7063\u7684\u555f\u793a<\/strong><\/h4>\n\n\n\n<p>\u5927\u6578\u64da\u8207\u884c\u70ba\u91d1\u878d\u7814\u7a76\u4e00\u518d\u8b49\u660e\uff1a\u4eba\u5177\u6709\u60f0\u6027\u3001\u904e\u5ea6\u6a02\u89c0\u8207\u904e\u5ea6\u60b2\u89c0\u7b49\u7279\u8cea\uff0c\u55ae\u9760\u6295\u8cc7\u4eba\u6559\u80b2\uff0c\u80fd\u6539\u8b8a\u7684\u884c\u70ba\u6709\u9650\u3002<\/p>\n\n\n\n<p>\u8207\u5176\u671f\u5f85\u6bcf\u4e00\u500b\u4eba\u90fd\u6210\u70ba\u7406\u6027\u800c\u81ea\u5f8b\u7684\u6295\u8cc7\u8005\uff0c\u4e0d\u5982\u900f\u904e\u5236\u5ea6\u8a2d\u8a08\uff0c\u8b93\u300c\u9810\u8a2d\u9078\u9805\u300d\u7ad9\u5728\u591a\u6578\u4eba\u5229\u76ca\u9019\u4e00\u908a\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u7684\u7d93\u9a57\u986f\u793a\uff0c\u7576\u9000\u4f11\u5236\u5ea6\u53ef\u4ee5\u81ea\u52d5\u70ba\u591a\u6578\u4eba\u505a\u51fa\u300c\u5927\u81f4\u6b63\u78ba\u300d\u7684\u9078\u64c7\uff08\u4f8b\u5982\u81ea\u52d5\u52a0\u5165\u3001\u9810\u8a2d\u6295\u8cc7\u65bc TDF\u3001\u9010\u6b65\u63d0\u9ad8\u63d0\u64a5\u7387\uff09\uff0c\u4e26\u900f\u904e QDIA \u7b49\u5236\u5ea6\u6e1b\u8f15\u96c7\u4e3b\u7684\u6cd5\u5f8b\u9867\u616e\u6642\uff0c\u9000\u4f11\u6e96\u5099\u7684\u8986\u84cb\u7387\u8207\u54c1\u8cea\u5c31\u6709\u6a5f\u6703\u5927\u5e45\u63d0\u5347\u3002<\/p>\n\n\n\n<p>\u5c0d\u6b63\u5728\u8a0e\u8ad6 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