![\"\"](\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2017\/01\/iStock_000033940468_Medium_s.jpg?ssl=1\")
<\/a><\/p>\n\u5c5e\u4e8e\u83dc\u9e1f\u548c\u61f6\u4eba\u7684\u540c\u6b65\u5229\u5668\uff1aETF<\/h2>\n
\u7ecf\u6d4e\u5b66\u5bb6\u8ddf\u6211\u4eec\u8bf4\uff0c\u4e0d\u80fd\u628a\u9e21\u86cb\u90fd\u653e\u4e00\u4e2a\u7bee\u5b50\u91cc\u3002\u6240\u8b02\u7684\u751a\u9ebc\u751a\u9ebc\u6307\u6578\u7684\u6607\u8dcc\uff0c\u4e0d\u904e\u5c31\u662f\u9019\u500b\u6307\u6578\u9078\u7684\u4e00\u5806\u500b\u80a1\u8868\u73fe\u7684\u5e73\u5747\u503c\u3002\u6240\u4ee5\uff0c\u5982\u679c\u8981\u964d\u4f4e\u8cb7\u500b\u80a1\u7684\u98a8\u96aa\uff0c\u907f\u514d\u6295\u8cc7\u4e0d\u7576\u8840\u672c\u7121\u6b78\uff0c\u6216\u8005\u5c31\u662f\u6c92\u6709\u6642\u9593\u7814\u7a76\u516c\u53f8\u696d\u7e3e\uff0c\u90a3\u9ebc\u6700\u7c21\u55ae\u7684\u505a\u6cd5\uff0c\u5c31\u662f\u628a\u9019\u500b\u6307\u6578\u88e1\u6240\u6709\u7684\u80a1\u7968\u5168\u90e8\u8cb7\u4e0b\u4f86\u3002\u7576\u7136\u4e86\uff0c\u9019\u7a2e\u73a9\u6cd5\u5c0d\u6b63\u5e38\u4eba\u7c7b\u4f86\u8aaa\u4e0d\u592a\u73fe\u5be6\u3002\u4f46\u4e0d\u8981\u6015\uff0c\u65e9\u6709\u70ba\u4eba\u6c11\u7fa4\u773e\u670d\u52d9\u7684\u597d\u57fa\u91d1\u2014\u2014\u6307\u6578\u57fa\u91d1\uff08index fund\uff09\u2014\u2014\u4f86\u70ba\u6211\u5011\u89e3\u6c7a\u9019\u500b\u554f\u984c\u3002<\/p>\n
\u6240\u8b02\u7684\u6307\u6578\u57fa\u91d1\u561b\uff0c\u5c31\u662f\u5c08\u9580\u8cb7\u6307\u6578\u88e1\u5168\u90e8\u80a1\u7968\u7684\u57fa\u91d1\u3002\u9019\u7a2e\u57fa\u91d1\u4e0d\u7528\u50cf\u50b3\u7d71\u7684\u5171\u540c\u57fa\u91d1\uff08mutual fund\uff09\u90a3\u6a23\u52d5\u8166\u5b50\uff0c\u7814\u7a76\u751a\u9ebc\u80a1\u7968\u503c\u9322\u751a\u9ebc\u80a1\u7968\u8981\u62cb\uff0c\u53ea\u9700\u8981\u9589\u8457\u773c\u775b\u6309\u6307\u6578\u8cb7\u5c31\u597d\uff0c\u7ba1\u7406\u8cbb\u7576\u7136\u4fbf\u5b9c\u4e86\u4e00\u5927\u622a\u3002<\/p>\n
\u7576\u7136\u4e86\uff0c\u57fa\u91d1\u9019\u7a2e\u6771\u897f\uff0c\u662f\u6709\u6700\u4f4e\u6e96\u5165\u9580\u6abb\u7684\u3002\u8981\u628a\u6307\u6578\u7576\u80a1\u7968\u90a3\u6a23\u8cb7\u8ce3\uff0c\u5c31\u8981\u9760ETF\uff08Exchange-Traded Fund\uff09\u4e86\u3002<\/p>\n
\u5982\u679c\u770b\u597d\u7f8e\u570b\u80a1\u5e02\uff0c\u53ef\u4ee5\u8003\u616e\u4e0b\u9762\u7684ETF \uff08\u5217\u7684\u90fd\u662f\u4ea4\u6613\u4ee3\u78bc\uff09\uff1a<\/p>\n
\u6a19\u666e500\u6307\u6578\uff1aSPY, IVV, VOO (\u6211\u89ba\u5f97\u90fd\u5dee\u4e0d\u591a\uff0c\u4e09\u8005\u6210\u4ea4\u91cf\u662f\u7531\u9ad8\u5230\u4f4e\uff0c\u8cbb\u7528\u4e5f\u662f\u7531\u9ad8\u5230\u4f4e\uff1ahttp:\/\/www.morningstar.com\/cover\/videocenter.aspx?id=636219)<\/p>\n
\u9053\u74ca\u65af\uff1aDIA, DDM, DOD<\/p>\n
\u7d0d\u65af\u9054\u514b\uff1aQQQ<\/p>\n
\u5982\u679c\u4e0d\u770b\u597d\u7f8e\u570b\u7d93\u6fdf\uff0c\u800c\u770b\u597d\u5225\u7684\u54ea\u570b\u7d93\u6fdf\uff0c\u4f60\u57fa\u672c\u4e0a\u4e5f\u662f\u80fd\u627e\u5230\u90a3\u500b\u570b\u5bb6\u76f8\u61c9\u7684ETF\u7684\u3002\u4f8b\u5982iShares\u5404\u500b\u4e3b\u8981\u570b\u5bb6\u7684ETF\u53ef\u4ee5\u9ede\u9019\u88e1<\/a>\u770b\u3002<\/p>\n \u6b64\u5916\uff0c\u5982\u679c\u60f3\u5192\u96aa\u4e00\u9ede\uff0c\u53ef\u4ee5\u6295\u5c0f\u516c\u53f8\u677f\u584a\uff0c\u60f3\u7a69\u5065\u9ede\uff0c\u53ef\u4ee5\u6295\u5927\u516c\u53f8\u3002\u9019\u6a23\u7684\u5283\u5206\u4e5f\u65e9\u6709ETF\u5e6b\u6211\u5011\u505a\u4e86\u3002<\/p>\n \u7f8e\u570b\u5927\u516c\u53f8ETF: VTV<\/p>\n \u7f8e\u570b\u4e2d\u578b\u516c\u53f8ETF: VOE<\/p>\n \u7f8e\u570b\u5c0f\u516c\u53f8ETF: VBR<\/p>\n \u5982\u679c\u4e0d\u770b\u597d\u80a1\u5e02\uff0c\u60f3\u4fdd\u5b88\u9ede\uff0c\u6295\u500b\u50b5\u5238\u5462\uff1f\u76f8\u61c9\u7684ETF\u7b49\u8457\u4f60\u3002<\/p>\n \u7f8e\u570b\u9ad8\u8cea\u91cf\u50b5\u5238\uff1aBND<\/p>\n \u7f8e\u570b\u516c\u53f8\u50b5\u5238\uff1aLQD<\/p>\n \u6d77\u5916\u7684\u80a1\u5e02\u548c\u50b5\u5e02\u4e5f\u6709\u76f8\u61c9\u7522\u54c1\u3002<\/p>\n \u5df2\u767c\u5c55\u570b\u5bb6\u5e02\u5834\uff1aVEA<\/p>\n \u65b0\u8208\u5e02\u5834\uff1aVWO<\/p>\n \u570b\u969b\u50b5\u5238\uff1aBNDX<\/p>\n \u65b0\u8208\u5e02\u5834\u50b5\u5238\uff1aEMB<\/p>\n \u6b64\u5916\uff0c\u67d0\u4e9b\u4ea4\u6613\u5e73\u53f0\u548c\u67d0\u4e9bETF\u5408\u4f5c\uff0c\u4ea4\u6613\u514d\u8cbb\u3002\u4f8b\u5982Fidelity\u7684iShares ETF\u5c31\u514d\u4ea4\u6613\u8cbb\u3002<\/p>\n \u53e6\u5916\uff0c\u4e2d\u570b\u7092\u80a1\u6536\u76ca\u6c92\u6709\u7a05\uff0c\u7f8e\u570b\u537b\u662f\u6709\u7684\u3002\u6240\u4ee5\u9019\u88e1\u63d0\u9192\u4e00\u53e5\uff0c\u7f8e\u570b\u77ed\u671f\u6295\u8cc7\uff08\u4e00\u5e74\u4ee5\u4e0b\uff09\u6536\u76ca\u662f\u6309\u6536\u5165\u7a05\uff0c\u9577\u671f\u6295\u8cc7\uff08\u4e00\u5e74\u4ee5\u4e0a\uff09\u7a05\u6536\u5247\u662f15%. \u56e0\u6b64\uff0c\u7121\u8ad6\u5f9e\u7701\u7a05\u7684\u89d2\u5ea6\uff0c\u9084\u662f\u5f9e\u7bc0\u7701\u7cbe\u529b\u548c\u907f\u514d\u5fc3\u81df\u885d\u64ca\u7684\u89d2\u5ea6\uff0c\u6700\u597d\u90fd\u662f\u8cb7\u5b8cETF\u4ee5\u5f8c\u4e00\u5e74\u4e0d\u770b\u3002<\/p>\n \u7576\u7136\u4e86\uff0c\u6211\u5011\u5927\u591a\u6578\u4eba\u5c0d\u5e02\u5834\u524d\u666f\u4e5f\u770b\u4e0d\u5927\u6e96\u3002\u81f3\u5c11\u6211\u5c31\u662f\u4e00\u5e74\u524d\u5df2\u89ba\u5f97\u7f8e\u80a1\u5f88\u9ad8\uff0c\u537b\u60f3\u4e0d\u5230\u5b83\u4f9d\u7136\u72c2\u98c6\u3002\u56e0\u6b64\uff0c\u70ba\u4e86\u5206\u6563\u98a8\u96aa\uff0c\u6700\u597d\u662f\u5404\u500b\u570b\u5bb6\u7684ETF\u90fd\u8cb7\u9ede\uff0c\u50b5\u5238\u7684ETF\u4e5f\u8cb7\u9ede\uff0c\u5177\u9ad4\u6bd4\u4f8b\u6309\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u4f86\u3002\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u9ad8\u5c31\u591a\u8cb7\u80a1\u7968\u985eETF, \u627f\u53d7\u80fd\u529b\u4f4e\u5c31\u591a\u8cb7\u50b5\u5238\u985eETF.<\/p>\n \u5373\u4fbf\u9019\u6a23\uff0c\u91d1\u878d\u5371\u6a5f\u4f86\u4e86\u7576\u7136\u4f9d\u7136\u907f\u514d\u4e0d\u4e86\u5927\u5bb6\u90fd\u8dcc\uff0c\u77ed\u671f\u640d\u5931\u4e26\u4e0d\u662f\u5b8c\u5168\u53ef\u4ee5\u907f\u514d\u3002\u4f46\u5f9e\u9577\u671f\u4f86\u770b\uff0c\u7d93\u6fdf\u662f\u767c\u5c55\u7684\uff0c\u53ea\u8981\u80fd\u6709\u8010\u5fc3\uff0c\u5225\u8667\u4e00\u9ede\u9322\u5c31\u614c\uff0c\u9322\u7e3d\u662f\u6703\u56de\u4f86\uff0c\u4e26\u8d8a\u8cfa\u8d8a\u591a\u7684\u3002<\/p>\n \u7576\u7136\uff0c\u6211\u5011\u7e3d\u662f\u5e0c\u671b\u80fd\u76e1\u91cf\u505a\u5230\u8cb7\u5728\u4f4e\u4f4d\u7684\uff0c\u662f\u5427\uff1f\u9ad8\u4eba\u7d66\u6211\u9019\u61f6\u5f97\u7814\u7a76\u7684\u83dc\u9ce5\u652f\u4e86\u500b\u62db\uff1a\u5b9a\u6295\u3002<\/p>\n \u5982\u679c\u767e\u5ea6\u5b9a\u6295\u7684\u8a71\uff0c\u51fa\u4f86\u7684\u6587\u7ae0\u90fd\u8b93\u6211\u6688\u982d\u8f49\u5411\uff0c\u96f2\u88e1\u9727\u88e1\u3002\u4e0d\u904e\u6211\u9019\u88e1\u8aaa\u7684\u5b9a\u6295\u5f88\u7c21\u55ae\uff0c\u6211\u81ea\u5df1\u90fd\u61c2\u3002:D<\/p>\n \u6709\u500b\u524d\u63d0\uff0c\u9019\u88e1\u8a0e\u8ad6\u7684\u6295\u8cc7\u662f\u9577\u671f\u6295\u8cc7\uff0c\u800c\u4e14\u6642\u9593\u8d8a\u9577\u8d8a\u6709\u6548\u3002<\/p>\n \u5047\u8a2d\u6211\u5011\u5e73\u975c\u6bcf\u500b\u6708\u80fd\u7bc0\u7701\u4e00\u767e\u584a\u7528\u65bc\u6295\u8cc7\uff0c\u6c92\u6642\u9593\u6c92\u7cbe\u529b\u7814\u7a76\u80a1\u7968\uff0c\u65bc\u662f\u9435\u4e86\u5fc3\u6295\u500b\u6a19\u666e500\u7684ETF\u597d\u4e86\u3002\u90a3\u9ebc\u600e\u9ebc\u6295\u5462\uff1f\u6216\u8005\u8aaa\uff0c\u4ec0\u9ebc\u6642\u5019\u8a72\u8cb7\uff0c\u751a\u9ebc\u6642\u5019\u8a72\u8ce3\uff1f<\/p>\n \u4f4e\u8cb7\u9ad8\u8ce3\u5927\u5bb6\u90fd\u61c2\u3002\u4f46\u662f\u4ec0\u9ebc\u6642\u5019\u662f\u9ad8\uff0c\u4ec0\u9ebc\u6642\u5019\u662f\u4f4e\uff0c\u80fd\u767e\u5206\u767e\u770b\u6e96\u7684\u8a71\uff0c\u53ef\u4ee5\u505a\u4e0b\u4e00\u500b\u5df4\u83f2\u7279\u4e86\u3002<\/p>\n \u65bc\u662f\u5b9a\u6295\u7d55\u62db\u51fa\u5834\u4e86\uff0c\u4e0d\u9700\u8981\u8166\u529b\uff0c\u4e0d\u9700\u8981\u667a\u5546\uff0c\u53ea\u9700\u8981\u6309\u6642\u6309\u898f\u5247\u64cd\u4f5c\u3002<\/p>\n \u9019\u62db\u5c31\u662f\uff0c\u4e0d\u770b\u5e02\u5834\uff0c\u6bcf\u6708\u5b9a\u671f\u5b9a\u984d\u76f4\u63a5\u8cb7\u4e86\uff01<\/p>\n \u70ba\u4ec0\u9ebc\u53ef\u4ee5\u9019\u6a23\u73a9\uff1f\u6211\u5011\u4f86\u5047\u8a2d\u4e00\u4e0b\uff0c\u5047\u5982\u73fe\u5728\u6a19\u666e500\u5728\u9ad8\u4f4d\uff0c\u50f9\u683c\u662f\u4e94\u5341\u584a\uff0c\u4e00\u767e\u584a\u5c31\u80fd\u8cb72\u80a1\u3002\u7136\u5f8c\u6a19\u666e500\u8dcc\u4e86\uff0c\u50f9\u683c\u8b8a\u6210\u5169\u5341\u584a\uff0c\u6211\u5011\u540c\u6a23\u7684\u4e00\u767e\u584a\u8cb7\u4e865\u80a1\u3002\u90a3\u9ebc\u90197\u80a1\u7684\u5e73\u5747\u50f9\u5c31\u662f200\/7=28.6\u584a\uff0c\u66f4\u63a5\u8fd120\u584a\u800c\u4e0d\u662f50\u584a\u662f\u4e0d\u662f\uff1f<\/p>\n \u4ee5\u540c\u6a23\u91d1\u984d\u5c0d\u540c\u4e00\u500b\u80a1\u7968\u4e0d\u65b7\u8cb7\u7684\u597d\u8655\u5c31\u662f\uff0c\u9ad8\u4f4d\u6642\u80fd\u8cb7\u7684\u80a1\u6578\u5c11\uff0c\u4f4e\u4f4d\u6642\u80fd\u8cb7\u7684\u80a1\u6578\u591a\u3002\u65bc\u662f\u5e73\u5747\u50f9\u5c31\u4e0b\u4f86\u4e86\u3002\u9019\u6a23\uff0c\u5373\u4fbf\u5e02\u5834\u53ea\u662f\u9031\u671f\u6ce2\u52d5\u800c\u4e0d\u662f\u7e3d\u9ad4\u4e0a\u5347\uff0c\u6700\u5f8c\u8ce3\u51fa\u6642\u80fd\u8cfa\u9322\u7684\u6982\u7387\u4e5f\u633a\u5927\u7684\uff0c\u662f\u4e0d\u662f\uff1f\u66f4\u4f55\u6cc1\u5982\u679c\u56de\u9867\u904e\u5f80\u5e7e\u5341\u5e74\u7684\u80a1\u5e02\uff0c\u5c31\u6703\u767c\u73fe\u7e3d\u9ad4\u8da8\u52e2\u662f\u5411\u4e0a\u7684\uff0c\u6240\u4ee5\u6700\u7d42\u5927\u8cfa\u4e00\u7b46\u5f88\u6709\u5e0c\u671b\u554a\uff01<\/p>\n \u7576\u7136\u4e86\uff0c\u9019\u88e1\u6709\u4e00\u500b\u554f\u984c\uff1a\u624b\u7e8c\u8cbb\u3002\u4e00\u822c\u8cb7\u8ce3\u4ea4\u6613\u5e73\u53f0\u90fd\u6703\u6536\u624b\u7e8c\u8cbb\u7684\uff0c\u9019\u9ebc\u983b\u7e41\u5c11\u91cf\u7684\u64cd\u4f5c\u771f\u7684\u8667\u6b7b\u4e86\u3002\u56e0\u6b64\u627e\u500b\u514d\u624b\u7e8c\u8cbb\u7684\u5e73\u53f0\u5f88\u91cd\u8981\u3002\u4f8b\u5982\u524d\u9762\u63d0\u5230\u7684Fidelity\u8cb7\u8ce3iShares\u7684ETF\u514d\u624b\u7e8c\u8cbb\u5728\u9019\u88e1\u5c31\u5f88\u5212\u7b97\u4e86\u3002\u6709\u4e9b\u5225\u7684\u4ea4\u6613\u5e73\u53f0\u4e5f\u6709\u76f8\u4f3c\u512a\u60e0\uff0c\u958b\u6236\u6642\u770b\u6e05\u695a\u4e86\u3002<\/p>\n \u81f3\u65bc\u8aaa100\u584a\u8cb7\u4e0d\u4e86\u4e00\u80a1\u7684SP 500 ETF\uff08\u5169\u767e\u591a\u584a\u5462\uff09, \u90a3\u9ebc\u628a\u6295\u8cc7\u984d\u6216\u6295\u8cc7\u983b\u7387\u964d\u4f4e\u5c31\u597d\u3002\u4f8b\u5982\u4e00\u5b63\u5ea6\u4e00\u80a1\u3002<\/p>\n \u8aaa\u5230\u9019\u88e1\uff0c\u61f6\u4eba\u8981\u6297\u8b70\u4e86\uff0c\u4e00\u500b\u5b63\u5ea6\u8cb7\u4e00\u6b21\uff0c\u592a\u9ebb\u7169\u4e86\u5427\uff01\u5982\u679c\u518d\u52a0\u4e0a\u8003\u616e\u5206\u6563\u98a8\u96aa\uff0c\u5404\u7a2eETF\u90fd\u60f3\u8cb7\u9ede\uff0c\u90a3\u5c31\u66f4\u9ebb\u7169\u4e86\u3002\u9322\u4e5f\u4e0d\u5920\uff0c\u53c8\u4e0d\u80fd\u8cb7\u534a\u80a1\u3002<\/p>\n \u4e0d\u6015\u4e0d\u6015\uff0c\u7d42\u6975\u7d55\u62db\u6211\u7576\u7136\u662f\u7559\u5230\u6700\u5f8c\u3002<\/p>\n \u5728IT\u5982\u6b64\u767c\u9054\u7684\u4eca\u5929\uff0c\u6295\u8cc7\u9084\u9700\u8981\u81ea\u5df1\u505a\u55ce\uff1f\u9ebb\u7169\u7684\u4e8b\u7576\u7136\u662f\u8b93\u6a5f\u5668\u4eba\u89e3\u6c7a\u4e86\u3002<\/p>\n \u76f8\u5c0d\u65bc\u50b3\u7d71\u7684\u7406\u8ca1\u7522\u54c1\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u6700\u5927\u512a\u9ede\u5c31\u662f\u4fbf\u5b9c (\u5e74\u8cbb0.15%-0.35%)\u3002\u7576\u7136\u9ad8\u79d1\u6280\u4e5f\u8b93\u4eba\u7528\u5f97\u8212\u5fc3\u3002<\/p>\n \u7f8e\u570b\u5e7e\u500b\u6bd4\u8f03\u53d7\u6b61\u8fce\u7684\u6a5f\u5668\u4eba\u5e73\u53f0\u662f\uff1aBetterment<\/a>, Wealthfront<\/a>, \u548c Acorns<\/a>.<\/p>\n \u9019\u4e9b\u6a5f\u5668\u4eba\u5e73\u53f0\u73a9\u7684\u90fd\u662f\u6211\u524d\u6587\u4ecb\u7d39\u7684\u7701\u6642\u7701\u529b\u7701\u9322\u7684ETF.<\/p>\n \u7576\u7136\uff0c\u6709\u6642\u9593\u7684\u8a71\uff0c\u4e5f\u53ef\u4ee5\u6a21\u4eff\u6a5f\u5668\u4eba\u4f86\u81ea\u5df1\u8cb7ETF. \u5982\u679c\u6709\u4e00\u5927\u7b46\u9322\uff0c\u6a21\u4eff\u6a5f\u5668\u4eba\u7684\u8a2d\u7f6e\u6bd4\u4f8b\u4f86\u8cb7ETF\uff0c\u4e0d\u983b\u7e41\u4ea4\u6613\uff0c\u90a3\u9ebc\u771f\u53ef\u4ee5\u81ea\u5df1\u505a\uff0c\u7701\u6389\u4e00\u7b46\u7ba1\u7406\u8cbb\u3002\u4f46\u9019\u6a23\u5c31\u6c92\u8fa6\u6cd5\u73a9\u5b9a\u6295\u4e86\uff0c\u7562\u7adf\u4ea4\u6613\u8cbb\u7528\u8cb4\u3002\u800c\u5373\u4fbf\u4ea4\u6613\u5e73\u53f0\u662f\u514d\u624b\u7e8c\u8cbb\u7684\uff0c\u6bcf\u500b\u6708\u8cb7\u4e00\u6b21\u4e5f\u6709\u9ede\u7169\u3002\u66f4\u4f55\u6cc1\uff0c\u90a3\u53ef\u6190\u7684\u4e00\u9ede\u9322\uff0c\u53ea\u80fd\u8cb7\u500b\u96f6\u9ede\u5e7e\u80a1ETF, \u800cETF\u4e0d\u6563\u8ce3\u3002<\/p>\n \u6240\u4ee5\uff0c\u6a5f\u5668\u4eba\u4ea4\u6613\u5e73\u53f0\u80fd\u5e36\u4f86\u7684\u597d\u8655\u4e3b\u8981\u5c31\u662f\uff1a\u7bc0\u7701\u4ea4\u6613\u8cbb\u7528\uff0c\u81ea\u52d5\u8cb7\u8ce3\u4e0d\u64cd\u5fc3\uff0c\u9322\u5c11\u53ef\u4ee5\u8cb7\u534a\u80a1\u3002<\/p>\n \u4e0d\u904e\u9019\u88e1\u6ce8\u610f\u4e86\uff0cWealthfront\u662f\u4e0d\u80fd\u8cb7\u534a\u80a1\u7684\uff0c\u53ea\u80fd\u4e00\u80a1\u4e00\u80a1\u8cb7\u3002\u9019\u6a23\u5c31\u5c0e\u81f4\u90a3\u534a\u80a1\u7684\u9322\u5728\u90a3\u88e1\u9592\u7f6e\u4e86\u3002\u800c\u4e14\u6309\u6bd4\u4f8b\u5206\u914d\u5404\u985eETF\u4e5f\u53ef\u80fd\u6703\u6709\u56f0\u96e3\u3002\u4f8b\u5982\u672c\u4f86\u6309\u98a8\u96aa\u914d\u7f6e\u61c9\u8a72\u8cb7\u500b10%\u7684\u50b5\u5238\u7684\uff0c\u7d50\u679c10%\u53ea\u670950\u584a\u751a\u9ebc\u90fd\u8cb7\u4e0d\u8d77\u3002\u9019\u5927\u6982\u4e5f\u662f\u70ba\u4ec0\u9ebc\u5b83\u5bb6\u6700\u5c11\u8981500\u624d\u7d66\u958b\u6236\u4e86\u3002\u9322\u5c11\u4e86\u771f\u7684\u751a\u9ebc\u90fd\u8cb7\u4e0d\u4e86\u554a\u3002<\/p>\n Acorns\u662f\u505a\u96f6\u9322\u6295\u8cc7\u7684\uff0c\u4f8b\u5982\u4f60\u7528$2.5\u8cb7\u4e86\u676f\u5496\u5561\u3002\u5b83\u628a\u4f60\u7684\u82b1\u92b7\u8b8a\u6210\u4e09\u584a\uff0c\u5176\u4e2d\u4e94\u6bdb\u54ea\u4f86\u505a\u6295\u8cc7\u3002\u9019\u8fa6\u6cd5\u5f88\u9069\u5408\u5f88\u60f3\u52aa\u529b\u5b58\u9ede\u9322\u7684\u5c4c\u7d72\u5011\u3002\u53e6\u5916Acorns\u5c0d\u5b78\u751f\u514d\u8cbb\u3002\u4f46\u5b83\u4e00\u500b\u554f\u984c\u662f\u6c92\u6709Tax Loss Harvesting (\u7a05\u6536\u640d\u5931\u6536\u5272\uff1f)\uff0c\u610f\u601d\u662f\u5982\u679c\u8cb7\u7684\u6771\u897f\u8667\u9322\u4e86\u7684\u8a71\uff0c\u8d95\u5feb\u8ce3\u6389\uff0c\u8cb7\u500b\u540c\u985e\u7684\u3002\u9019\u6a23\uff0c\u8667\u6389\u7684\u9322\u53ef\u4ee5\u62b5\u6d88\u8cfa\u5230\u7684\uff0c\u7136\u5f8c\u518d\u7b97\u7a05\u3002<\/p>\n Betterment \u548c Wealthfront \u627f\u8afe\u7684Tax Loss Harvesting\u662f\u6bcf\u65e5\u4e00\u6b21\uff0c\u9019\u5c0d\u666e\u901a\u4eba\u985e\u662f\u5f88\u7169\u7684\u3002\u800c\u4e14\u6ce8\u610f\uff0c\u6709\u898f\u5b9a\u662f\u8ce3\u6389\u7684\u80a1\u7968\u5e7e\u5929\u5167\u4e0d\u80fd\u8cb7\u56de\u4f86\uff0c\u5426\u5247\u640d\u5931\u4e0d\u80fd\u62b5\u7a05\u3002\u6240\u4ee5\u4e0d\u80fd\u8cb7\u540c\u4e00\u500b\uff0c\u5fc5\u9808\u627e\u540c\u985e\uff0c\u9019\u5c0d\u4e0d\u662f\u7d93\u5e38\u505a\u4ea4\u6613\u7684\u4eba\u985e\u5c31\u66f4\u9ebb\u7169\u4e86\u3002\u6a5f\u5668\u4eba\u5f88\u597d\u5730\u89e3\u6c7a\u4e86\u9019\u7a2e\u9ebb\u7169\u554f\u984c\u3002<\/p>\n Betterment\u662f\u6211\u89ba\u5f97\u7684\u4e09\u500b\u4e2d\u6700\u597d\u7684\u4e00\u500b\u3002\u5b83\u7684\u4e00\u5927\u7279\u9ede\u662f\u53ef\u4ee5\u8a2d\u7f6e\u76ee\u6a19\uff0c\u8b93\u5b83\u6bcf\u500b\u6708\u5f9e\u9280\u884c\u6263\u4e00\u767e\u584a\u7528\u65bc\u6295\u8cc7\u4e4b\u985e\u7684\u3002\u9019\u5c31\u662f\u6211\u524d\u9762\u8aaa\u7684\u5b9a\u6295\u4e86\u3002\u5b83\u5f88\u597d\u5730\u89e3\u6c7a\u4e86\u4eba\u985e\u64cd\u4f5c\u5b9a\u6295\u904e\u65bc\u9ebb\u7169\u4e5f\u53ef\u80fd\u4f5c\u5f0a\uff08\u5ffd\u7136\u6211\u4eca\u5929\u60f3\u628a\u90a3\u8981\u6295\u8cc7\u7684\u4e00\u767e\u584a\u5403\u6389\u4e86\uff09\u7684\u554f\u984c\u3002<\/p>\n \u53e6\u5916Betterment\u7684\u624b\u6a5f\u61c9\u7528\u4e5f\u662f\u8a2d\u8a08\u5f97\u6700\u597d\u7684\u3002\u7c21\u6f54\u597d\u770b\u53c8\u5c08\u696d\uff0c\u8b93\u6211\u6bcf\u5929\u5237\u81ea\u5df1\u8cfa\u591a\u5c11\u9322\u90fd\u5237\u4e0a\u766e\u4e86\u3002<\/p>\n \u9806\u4fbf\u8ce3\u500b\u5ee3\u544a\uff0cBetterment\u8a3b\u518a\u670930\u5929\u514d\u8cbb\uff0c\u7528\u6211\u7684\u9023\u63a5\uff08betterment.com\/invite\/shutingguan<\/a>\uff09\u53ef\u4ee5\u7372\u5f97\u984d\u59166\u500b\u6708\uff0c\u4e5f\u5c31\u662f\u7e3d\u5171\u4e03\u500b\u6708\u514d\u8cbb\u3002\u800c\u6211\u7576\u7136\u4e5f\u9806\u4fbf\u8cfa\u4e00\u500b\u6708\u7684\u514d\u8cbb\u3002:D<\/p>\n <\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" \u4eca\u5929\u9053\u74ca\u65af\u5de5\u696d\u6307\u6578\u7a81\u7834\u4e8620,000\u9ede\uff0c\u662f120\u5e74\u4f86\u7684\u9ad8\u4f4d\uff0c\u91d1\u878d\u5371\u6a5f\u6642\u671f\u7684\u4e09\u500d\uff0c\u559c\u5927\u666e\u5954\u3002 \u5176\u5be6\u4e0d\u6b62\u662f\u9053\u74ca\u65af\u5728\u904e\u53bb\u4e00\u5e74\u88e1\u6607\u4e8625%+, \u6a19\u666e500\u4e5f\u5f9e1900\u6607\u5230\u4e86\u5feb2300\uff0c\u7d0d\u65af\u9054\u514b\u5f9e4500\u6607\u5230\u4e865600. \u9019\u5dee\u4e0d\u591a25%\u7684\u6536\u76ca\uff0c\u5be6\u5728\u8b93\u6211\u7b49\u628a\u90a3\u9ede\u53ef\u6190\u7a4d\u84c4\u5b58\u5728\u9280\u884c\u88e1\uff0c\u8cfa\u9322\u90a3\u767e\u5206\u4e4b\u96f6\u9ede\u5e7e\u5229\u606f\u7684\u5916\u884c\u6c57\u984f\uff0c\u7576\u521d\u600e\u9ebc\u6c92\u628a\u9322\u5168\u7838\u80a1\u7968\u88e1\u4e86\uff1f\u5982\u679c\u672c\u9322\u8db3\u5920\uff0c\u90a3\u4e00\u5e74\u8cfa\u7684\u8aaa\u4e0d\u5b9a\u6bd4\u5de5\u8cc7\u9084\u9ad8\u554a\uff01 \u7576\u7136\u4e86\uff0c\u4e0d\u662f\u6bcf\u500b\u4eba\u90fd\u6703\u7092\u80a1\u7684\u3002\u8a31\u591a\u4eba\u89ba\u5f97\uff0c\u7092\u80a1\u9019\u7a2e\u8cbb\u6642\u8cbb\u529b\u7684\u4e8b\uff0c\u5168\u8077\u4e0a\u73ed\u4e0d\u6253\u91ac\u6cb9\u7684\u597d\u54e1\u5de5\u5011\u6839\u672c\u61c9\u4ed8\u4e0d\u4f86\u3002\u6211\u5373\u4fbf\u4e0a\u73ed\u6253\u91ac\u6cb9\uff0c\u8981\u6642\u6642\u95dc\u6ce8\u5e02\u5834\u4e5f\u662f\u6709\u5fc3\u7121\u529b\u3002\u4e0d\u904e\uff0c\u6700\u8fd1\u7d93\u9ad8\u4eba\u63d0\u9ede\uff0c\u6211\u767c\u73fe\uff0c\u6295\u8cc7\u5176\u5be6\u5b8c\u5168\u53ef\u4ee5\u5f88\u61f6\u9084\u8cfa\u9322\u7684\u3002 \u90a3\u4e9b\u6bcf\u5929\u4e0d\u65b7\u5237\u80a1\u5e02\u7684\u90fd\u662f\u4e9b\u60f3\u8dd1\u8d0f\u5927\u5e02\u7684\u8caa\u5fc3\u7684\u50a2\u4f19\u3002\u5982\u679c\u53ea\u662f\u8981\u548c\u5927\u5e02\u540c\u6b65\uff0c\u4e0d\u88ab\u83ef\u723e\u8857\u7cbe\u82f1\u4e00\u5e74\u7529\u958b25%\uff0c\u90a3\u9ebc\u4e8b\u60c5\u53ef\u4ee5\u5f88\u7c21\u55ae\uff0c\u4e00\u5e74\u6295\u5165\u5e7e\u5c0f\u6642\u5c31\u597d\u4e86\u3002\u73fe\u5728\u4f86\u4ecb\u7d39\u6295\u8cc7\u7684\u83dc\u9ce5\/\u61f6\u4eba\u73a9\u6cd5\u3002 \u5c5e\u4e8e\u83dc\u9e1f\u548c\u61f6\u4eba\u7684\u540c\u6b65\u5229\u5668\uff1aETF \u7ecf\u6d4e\u5b66\u5bb6\u8ddf\u6211\u4eec\u8bf4\uff0c\u4e0d\u80fd\u628a\u9e21\u86cb\u90fd\u653e\u4e00\u4e2a\u7bee\u5b50\u91cc\u3002\u6240\u8b02\u7684\u751a\u9ebc\u751a\u9ebc\u6307\u6578\u7684\u6607\u8dcc\uff0c\u4e0d\u904e\u5c31\u662f\u9019\u500b\u6307\u6578\u9078\u7684\u4e00\u5806\u500b\u80a1\u8868\u73fe\u7684\u5e73\u5747\u503c\u3002\u6240\u4ee5\uff0c\u5982\u679c\u8981\u964d\u4f4e\u8cb7\u500b\u80a1\u7684\u98a8\u96aa\uff0c\u907f\u514d\u6295\u8cc7\u4e0d\u7576\u8840\u672c\u7121\u6b78\uff0c\u6216\u8005\u5c31\u662f\u6c92\u6709\u6642\u9593\u7814\u7a76\u516c\u53f8\u696d\u7e3e\uff0c\u90a3\u9ebc\u6700\u7c21\u55ae\u7684\u505a\u6cd5\uff0c\u5c31\u662f\u628a\u9019\u500b\u6307\u6578\u88e1\u6240\u6709\u7684\u80a1\u7968\u5168\u90e8\u8cb7\u4e0b\u4f86\u3002\u7576\u7136\u4e86\uff0c\u9019\u7a2e\u73a9\u6cd5\u5c0d\u6b63\u5e38\u4eba\u7c7b\u4f86\u8aaa\u4e0d\u592a\u73fe\u5be6\u3002\u4f46\u4e0d\u8981\u6015\uff0c\u65e9\u6709\u70ba\u4eba\u6c11\u7fa4\u773e\u670d\u52d9\u7684\u597d\u57fa\u91d1\u2014\u2014\u6307\u6578\u57fa\u91d1\uff08index fund\uff09\u2014\u2014\u4f86\u70ba\u6211\u5011\u89e3\u6c7a\u9019\u500b\u554f\u984c\u3002 \u6240\u8b02\u7684\u6307\u6578\u57fa\u91d1\u561b\uff0c\u5c31\u662f\u5c08\u9580\u8cb7\u6307\u6578\u88e1\u5168\u90e8\u80a1\u7968\u7684\u57fa\u91d1\u3002\u9019\u7a2e\u57fa\u91d1\u4e0d\u7528\u50cf\u50b3\u7d71\u7684\u5171\u540c\u57fa\u91d1\uff08mutual fund\uff09\u90a3\u6a23\u52d5\u8166\u5b50\uff0c\u7814\u7a76\u751a\u9ebc\u80a1\u7968\u503c\u9322\u751a\u9ebc\u80a1\u7968\u8981\u62cb\uff0c\u53ea\u9700\u8981\u9589\u8457\u773c\u775b\u6309\u6307\u6578\u8cb7\u5c31\u597d\uff0c\u7ba1\u7406\u8cbb\u7576\u7136\u4fbf\u5b9c\u4e86\u4e00\u5927\u622a\u3002 \u7576\u7136\u4e86\uff0c\u57fa\u91d1\u9019\u7a2e\u6771\u897f\uff0c\u662f\u6709\u6700\u4f4e\u6e96\u5165\u9580\u6abb\u7684\u3002\u8981\u628a\u6307\u6578\u7576\u80a1\u7968\u90a3\u6a23\u8cb7\u8ce3\uff0c\u5c31\u8981\u9760ETF\uff08Exchange-Traded Fund\uff09\u4e86\u3002 \u5982\u679c\u770b\u597d\u7f8e\u570b\u80a1\u5e02\uff0c\u53ef\u4ee5\u8003\u616e\u4e0b\u9762\u7684ETF \uff08\u5217\u7684\u90fd\u662f\u4ea4\u6613\u4ee3\u78bc\uff09\uff1a \u6a19\u666e500\u6307\u6578\uff1aSPY, IVV, VOO (\u6211\u89ba\u5f97\u90fd\u5dee\u4e0d\u591a\uff0c\u4e09\u8005\u6210\u4ea4\u91cf\u662f\u7531\u9ad8\u5230\u4f4e\uff0c\u8cbb\u7528\u4e5f\u662f\u7531\u9ad8\u5230\u4f4e\uff1ahttp:\/\/www.morningstar.com\/cover\/videocenter.aspx?id=636219) \u9053\u74ca\u65af\uff1aDIA, DDM, DOD \u7d0d\u65af\u9054\u514b\uff1aQQQ \u5982\u679c\u4e0d\u770b\u597d\u7f8e\u570b\u7d93\u6fdf\uff0c\u800c\u770b\u597d\u5225\u7684\u54ea\u570b\u7d93\u6fdf\uff0c\u4f60\u57fa\u672c\u4e0a\u4e5f\u662f\u80fd\u627e\u5230\u90a3\u500b\u570b\u5bb6\u76f8\u61c9\u7684ETF\u7684\u3002\u4f8b\u5982iShares\u5404\u500b\u4e3b\u8981\u570b\u5bb6\u7684ETF\u53ef\u4ee5\u9ede\u9019\u88e1\u770b\u3002 \u6b64\u5916\uff0c\u5982\u679c\u60f3\u5192\u96aa\u4e00\u9ede\uff0c\u53ef\u4ee5\u6295\u5c0f\u516c\u53f8\u677f\u584a\uff0c\u60f3\u7a69\u5065\u9ede\uff0c\u53ef\u4ee5\u6295\u5927\u516c\u53f8\u3002\u9019\u6a23\u7684\u5283\u5206\u4e5f\u65e9\u6709ETF\u5e6b\u6211\u5011\u505a\u4e86\u3002 \u7f8e\u570b\u5927\u516c\u53f8ETF: VTV \u7f8e\u570b\u4e2d\u578b\u516c\u53f8ETF: VOE \u7f8e\u570b\u5c0f\u516c\u53f8ETF: VBR \u5982\u679c\u4e0d\u770b\u597d\u80a1\u5e02\uff0c\u60f3\u4fdd\u5b88\u9ede\uff0c\u6295\u500b\u50b5\u5238\u5462\uff1f\u76f8\u61c9\u7684ETF\u7b49\u8457\u4f60\u3002 \u7f8e\u570b\u9ad8\u8cea\u91cf\u50b5\u5238\uff1aBND \u7f8e\u570b\u516c\u53f8\u50b5\u5238\uff1aLQD \u6d77\u5916\u7684\u80a1\u5e02\u548c\u50b5\u5e02\u4e5f\u6709\u76f8\u61c9\u7522\u54c1\u3002 \u5df2\u767c\u5c55\u570b\u5bb6\u5e02\u5834\uff1aVEA \u65b0\u8208\u5e02\u5834\uff1aVWO \u570b\u969b\u50b5\u5238\uff1aBNDX \u65b0\u8208\u5e02\u5834\u50b5\u5238\uff1aEMB \u6b64\u5916\uff0c\u67d0\u4e9b\u4ea4\u6613\u5e73\u53f0\u548c\u67d0\u4e9bETF\u5408\u4f5c\uff0c\u4ea4\u6613\u514d\u8cbb\u3002\u4f8b\u5982Fidelity\u7684iShares ETF\u5c31\u514d\u4ea4\u6613\u8cbb\u3002 \u53e6\u5916\uff0c\u4e2d\u570b\u7092\u80a1\u6536\u76ca\u6c92\u6709\u7a05\uff0c\u7f8e\u570b\u537b\u662f\u6709\u7684\u3002\u6240\u4ee5\u9019\u88e1\u63d0\u9192\u4e00\u53e5\uff0c\u7f8e\u570b\u77ed\u671f\u6295\u8cc7\uff08\u4e00\u5e74\u4ee5\u4e0b\uff09\u6536\u76ca\u662f\u6309\u6536\u5165\u7a05\uff0c\u9577\u671f\u6295\u8cc7\uff08\u4e00\u5e74\u4ee5\u4e0a\uff09\u7a05\u6536\u5247\u662f15%. \u56e0\u6b64\uff0c\u7121\u8ad6\u5f9e\u7701\u7a05\u7684\u89d2\u5ea6\uff0c\u9084\u662f\u5f9e\u7bc0\u7701\u7cbe\u529b\u548c\u907f\u514d\u5fc3\u81df\u885d\u64ca\u7684\u89d2\u5ea6\uff0c\u6700\u597d\u90fd\u662f\u8cb7\u5b8cETF\u4ee5\u5f8c\u4e00\u5e74\u4e0d\u770b\u3002 \u7576\u7136\u4e86\uff0c\u6211\u5011\u5927\u591a\u6578\u4eba\u5c0d\u5e02\u5834\u524d\u666f\u4e5f\u770b\u4e0d\u5927\u6e96\u3002\u81f3\u5c11\u6211\u5c31\u662f\u4e00\u5e74\u524d\u5df2\u89ba\u5f97\u7f8e\u80a1\u5f88\u9ad8\uff0c\u537b\u60f3\u4e0d\u5230\u5b83\u4f9d\u7136\u72c2\u98c6\u3002\u56e0\u6b64\uff0c\u70ba\u4e86\u5206\u6563\u98a8\u96aa\uff0c\u6700\u597d\u662f\u5404\u500b\u570b\u5bb6\u7684ETF\u90fd\u8cb7\u9ede\uff0c\u50b5\u5238\u7684ETF\u4e5f\u8cb7\u9ede\uff0c\u5177\u9ad4\u6bd4\u4f8b\u6309\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u4f86\u3002\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u9ad8\u5c31\u591a\u8cb7\u80a1\u7968\u985eETF, \u627f\u53d7\u80fd\u529b\u4f4e\u5c31\u591a\u8cb7\u50b5\u5238\u985eETF. \u5373\u4fbf\u9019\u6a23\uff0c\u91d1\u878d\u5371\u6a5f\u4f86\u4e86\u7576\u7136\u4f9d\u7136\u907f\u514d\u4e0d\u4e86\u5927\u5bb6\u90fd\u8dcc\uff0c\u77ed\u671f\u640d\u5931\u4e26\u4e0d\u662f\u5b8c\u5168\u53ef\u4ee5\u907f\u514d\u3002\u4f46\u5f9e\u9577\u671f\u4f86\u770b\uff0c\u7d93\u6fdf\u662f\u767c\u5c55\u7684\uff0c\u53ea\u8981\u80fd\u6709\u8010\u5fc3\uff0c\u5225\u8667\u4e00\u9ede\u9322\u5c31\u614c\uff0c\u9322\u7e3d\u662f\u6703\u56de\u4f86\uff0c\u4e26\u8d8a\u8cfa\u8d8a\u591a\u7684\u3002 \u7576\u7136\uff0c\u6211\u5011\u7e3d\u662f\u5e0c\u671b\u80fd\u76e1\u91cf\u505a\u5230\u8cb7\u5728\u4f4e\u4f4d\u7684\uff0c\u662f\u5427\uff1f\u9ad8\u4eba\u7d66\u6211\u9019\u61f6\u5f97\u7814\u7a76\u7684\u83dc\u9ce5\u652f\u4e86\u500b\u62db\uff1a\u5b9a\u6295\u3002 \u4e0d\u61c2\u5e02\u5834\u9031\u671f\u90fd\u53ef\u4ee5\u8cfa\u9322\u7684\u7d55\u62db\uff1a\u5b9a\u6295 \u5982\u679c\u767e\u5ea6\u5b9a\u6295\u7684\u8a71\uff0c\u51fa\u4f86\u7684\u6587\u7ae0\u90fd\u8b93\u6211\u6688\u982d\u8f49\u5411\uff0c\u96f2\u88e1\u9727\u88e1\u3002\u4e0d\u904e\u6211\u9019\u88e1\u8aaa\u7684\u5b9a\u6295\u5f88\u7c21\u55ae\uff0c\u6211\u81ea\u5df1\u90fd\u61c2\u3002:D \u6709\u500b\u524d\u63d0\uff0c\u9019\u88e1\u8a0e\u8ad6\u7684\u6295\u8cc7\u662f\u9577\u671f\u6295\u8cc7\uff0c\u800c\u4e14\u6642\u9593\u8d8a\u9577\u8d8a\u6709\u6548\u3002 \u5047\u8a2d\u6211\u5011\u5e73\u975c\u6bcf\u500b\u6708\u80fd\u7bc0\u7701\u4e00\u767e\u584a\u7528\u65bc\u6295\u8cc7\uff0c\u6c92\u6642\u9593\u6c92\u7cbe\u529b\u7814\u7a76\u80a1\u7968\uff0c\u65bc\u662f\u9435\u4e86\u5fc3\u6295\u500b\u6a19\u666e500\u7684ETF\u597d\u4e86\u3002\u90a3\u9ebc\u600e\u9ebc\u6295\u5462\uff1f\u6216\u8005\u8aaa\uff0c\u4ec0\u9ebc\u6642\u5019\u8a72\u8cb7\uff0c\u751a\u9ebc\u6642\u5019\u8a72\u8ce3\uff1f \u4f4e\u8cb7\u9ad8\u8ce3\u5927\u5bb6\u90fd\u61c2\u3002\u4f46\u662f\u4ec0\u9ebc\u6642\u5019\u662f\u9ad8\uff0c\u4ec0\u9ebc\u6642\u5019\u662f\u4f4e\uff0c\u80fd\u767e\u5206\u767e\u770b\u6e96\u7684\u8a71\uff0c\u53ef\u4ee5\u505a\u4e0b\u4e00\u500b\u5df4\u83f2\u7279\u4e86\u3002 \u65bc\u662f\u5b9a\u6295\u7d55\u62db\u51fa\u5834\u4e86\uff0c\u4e0d\u9700\u8981\u8166\u529b\uff0c\u4e0d\u9700\u8981\u667a\u5546\uff0c\u53ea\u9700\u8981\u6309\u6642\u6309\u898f\u5247\u64cd\u4f5c\u3002 \u9019\u62db\u5c31\u662f\uff0c\u4e0d\u770b\u5e02\u5834\uff0c\u6bcf\u6708\u5b9a\u671f\u5b9a\u984d\u76f4\u63a5\u8cb7\u4e86\uff01 \u70ba\u4ec0\u9ebc\u53ef\u4ee5\u9019\u6a23\u73a9\uff1f\u6211\u5011\u4f86\u5047\u8a2d\u4e00\u4e0b\uff0c\u5047\u5982\u73fe\u5728\u6a19\u666e500\u5728\u9ad8\u4f4d\uff0c\u50f9\u683c\u662f\u4e94\u5341\u584a\uff0c\u4e00\u767e\u584a\u5c31\u80fd\u8cb72\u80a1\u3002\u7136\u5f8c\u6a19\u666e500\u8dcc\u4e86\uff0c\u50f9\u683c\u8b8a\u6210\u5169\u5341\u584a\uff0c\u6211\u5011\u540c\u6a23\u7684\u4e00\u767e\u584a\u8cb7\u4e865\u80a1\u3002\u90a3\u9ebc\u90197\u80a1\u7684\u5e73\u5747\u50f9\u5c31\u662f200\/7=28.6\u584a\uff0c\u66f4\u63a5\u8fd120\u584a\u800c\u4e0d\u662f50\u584a\u662f\u4e0d\u662f\uff1f … <\/span>Read more “\u7f8e\u570b\u6295\u8cc7\u7684\u83dc\u9ce5\/\u61f6\u4eba\/\u5c4c\u7d72\u73a9\u6cd5”<\/span><\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[5],"tags":[49,340,337,338,339],"class_list":["post-1294","post","type-post","status-publish","format-standard","hentry","category-life-2","tag-economics","tag-finance","tag-337","tag-338","tag-339"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p1w1qi-kS","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":1755,"url":"https:\/\/www.shutingg.net\/blog\/2021\/10\/23\/1755\/","url_meta":{"origin":1294,"position":0},"title":"\u7f8e\u570b\u4eba\u5982\u4f55\u5b58\u9322\u9000\u4f11","author":"Charlotte Guan","date":"October 23, 2021","format":false,"excerpt":"How to Retire with Enough Money \u662f\u4e00\u672c\u6559\u7f8e\u570b\u4eba\u5982\u4f55\u5b58\u9322\u9000\u4f11\u7684\u66f8\u3002\u4e4b\u6240\u4ee5\u9700\u8981\u5beb\u4e00\u672c\u66f8\uff0c\u662f\u56e0\u70ba\u7f8e\u570b\u7684\u9000\u4f11\u91d1\u771f\u633a\u8907\u96dc\u7684\u3002","rel":"","context":"In "Life"","block_context":{"text":"Life","link":"https:\/\/www.shutingg.net\/blog\/category\/life-2\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2179,"url":"https:\/\/www.shutingg.net\/blog\/2025\/06\/25\/2179\/","url_meta":{"origin":1294,"position":1},"title":"\u4ec0\u9ebc\u7b56\u7565\u5728\u83ef\u723e\u8857\u771f\u6b63\u6709\u6548\uff1f","author":"Charlotte Guan","date":"June 25, 2025","format":false,"excerpt":"\u300a\u83ef\u723e\u8857\u7684\u81f4\u52dd\u4e4b\u9053\u300b\uff08What Works on Wall Street\uff09\u7e3d\u7d50\u4e86\u5404\u7a2e\u6d41\u884c\u7684\u9078\u80a1\u7b56\u7565\u7684\u6709\u6548\u6027\uff0c\u8b93\u6211\u5011\u770b\u770b\uff0c\u57fa\u65bc\u516b\u5341\u9918\u5e74\u6578\u64da\uff0c\u771f\u6b63\u6709\u6548\u7684\u9078\u80a1\u7b56\u7565\u662f\u4ec0\u9ebc\uff01","rel":"","context":"In "\u6295\u8cc7"","block_context":{"text":"\u6295\u8cc7","link":"https:\/\/www.shutingg.net\/blog\/category\/%e6%8a%95%e8%b3%87\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2025\/06\/What-Works-on-Wall-Street.jpg?fit=965%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2025\/06\/What-Works-on-Wall-Street.jpg?fit=965%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2025\/06\/What-Works-on-Wall-Street.jpg?fit=965%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2025\/06\/What-Works-on-Wall-Street.jpg?fit=965%2C1200&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":1206,"url":"https:\/\/www.shutingg.net\/blog\/2016\/05\/29\/1206\/","url_meta":{"origin":1294,"position":2},"title":"\u5927\u5eda\u990a\u6210\u4e4b\u8def\u2014\u2014\u85cd\u570d\u88d9\u521d\u9ad4\u9a57","author":"Charlotte Guan","date":"May 29, 2016","format":false,"excerpt":"\u85cd\u570d\u88d9\uff08Blue Apron\uff09\u662f\u4e00\u500b\u5927\u5eda\u8a2d\u8a08\u7684\u83dc\u8b5c\uff0c\u6bcf\u9031\u9001\u83dc\u8b5c\u548c\u539f\u6750\u6599\u4e0a\u9580\u7684\u670d\u52d9\u3002\u64da\u8aaa\u6709\u83dc\u8b5c\u548c\u539f\u6750\u6599\u5728\u624b\uff0c\u83dc\u9ce5\u4e5f\u80fd\u505a\u51fa\u5927\u5eda\u7d1a\u6c34\u6e96\u7684\u98df\u7269\u4f86\u3002\u807d\u8aaa\u4e86\u9019\u500b\u6771\u897f\u5f8c\uff0c\u6211\u5c0d\u5b83\u62b1\u8457\u975e\u5e38\u8cea\u7591\u7684\u614b\u5ea6\u3002\u539f\u6750\u6599\u9001\u5230\u5bb6\u5f8c\u9084\u8981\u81ea\u5df1\u505a\uff0c\u90a3\u5e79\u561b\u4e0d\u81ea\u5df1\u8cb7\u539f\u6750\u6599\u81ea\u5df1\u505a\u5c31\u7b97\u4e86\uff1f\u7db2\u4e0a\u98df\u8b5c\u90a3\u9ebc\u591a\uff0c\u771f\u60f3\u505a\u54ea\u9700\u8981\u9760\u5b83\u7d66\u6211\u5bc4\u98df\u8b5c\u5462\uff1f\u8eab\u908a\u537b\u6709\u670b\u53cb\u73a9\u85cd\u570d\u88d9\u73a9\u5f97\u4e0d\u4ea6\u6a02\u4e4e\uff0c\u5728\u9762\u66f8\u548c\u670b\u53cb\u5708\u66ec\u7684\u7167\u7247\u8d8a\u4f86\u8d8a\u5c08\u696d\uff0c\u6a13\u4e0b\u4e5f\u7d93\u5e38\u770b\u5230\u85cd\u570d\u88d9\u7684\u9001\u8ca8\uff0c\u9019\u500b\u4e0d\u88ab\u6211\u770b\u597d\u7684\u6771\u897f\u5c45\u7136\u706b\u8d77\u4f86\u4e86\u3002\u7d42\u65bc\u6709\u4e00\u5929\uff0c\u670b\u53cb\u9001\u4e86\u6211\u500b\u8a66\u7528\u5377\uff0c\u53ef\u4ee5\u8a66\u4e00\u9031\uff08\u4e09\u9813\u98ef\u5169\u4eba\u4efd\uff09\u3002\u62b1\u8457\u53cd\u6b63\u4e0d\u8981\u9322\u7684\u5fc3\u614b\uff0c\u6211\u7d42\u65bc\u4e5f\u8a3b\u518a\u4e86\u500b\u5e33\u865f\u3002 \u8a3b\u518a\u5f8c\u9996\u5148\u9078\u64c7\u985e\u578b\u548c\u9001\u8ca8\u6642\u9593\u3002\u985e\u578b\u5206\u5169\u4eba\u548c\u5bb6\u5ead\u5169\u7a2e\uff0c\u6c92\u6709\u55ae\u4eba\uff0c\u6211\u53ea\u597d\u9078\u4e86\u500b\u5169\u4eba\u7684\u3002\u9001\u8ca8\u6642\u9593\u9ed8\u7136\u662f\u9031\u4e94\uff0c\u6703\u4e00\u6b21\u904e\u628a\u4e00\u9031\u7684\u6750\u6599\u9001\u4f86\u3002\u4e00\u9031\u53ef\u4ee5\u9078\u4e09\u9813\u98ef\u3002\u96d6\u7136\u6bcf\u9031\u6709\u516d\u500b\u83dc\u8b5c\u53ef\u9078\uff0c\u537b\u6709\u5947\u602a\u7684\u9650\u5236\uff0c\u9078\u4e86\u9019\u6a23\u83dc\uff0c\u5c31\u4e0d\u80fd\u9078\u90a3\u6a23\u83dc\uff0c\u76ee\u6e2c\u6709\u6548\u7d44\u5408\u53ea\u6709\u4e09\u7a2e\u800c\u5df2\u3002\u96d6\u7136\u6709\u8a66\u7528\u5377\uff0c\u6211\u9084\u662f\u8981\u63d0\u4f9b\u4fe1\u7528\u5361\u4fe1\u606f\uff0c\u4e0d\u904e\u8a66\u7528\u540e\u53ef\u4ee5\u53d6\u6d88\u8a3b\u518a\uff0c\u6b64\u5916\u9084\u53ef\u4ee5\u8df3\u904e\u4e0d\u559c\u6b61\u7684\u5468\u3002\u6211\u4e00\u4e0d\u60f3\u9078\u96e3\u505a\u7684\uff0c\u4e8c\u4e0d\u60f3\u9078\u80a5\u81a9\u7684\uff0c\u65bc\u662f\u5f88\u591a\u83dc\u90fd\u4e0d\u5408\u9069\u3002\u56e0\u6b64\u6211\u4e00\u8a3b\u518a\u5c31\u8df3\u904e\u4e86\u5169\u9031\uff0c\u9078\u4e86\u9019\u5468\u83dc\u55ae\uff1a\u96de\u8089\u5305\uff08Chicken Steam Buns\uff09\u3001\u8106\u9b5a\u67da\u5b50\u80e1\u6912\u70cf\u51ac\u9762\uff08Crispy Catfish & Yuzu-Kosho Udon\uff09\u548c\u725b\u8089\u9eb5\u5305\u7247\uff08Beef Tartines\uff09\u3002 \u8aaa\u5be6\u8a71\uff0c\u6211\u5c0d\u770b\u4e0a\u53bb\u5f88\u591a\u829d\u58eb\u7684\u725b\u8089\u9eb5\u5305\u7247\u4e00\u9ede\u8208\u8da3\u90fd\u6c92\u6709\uff0c\u4f46\u662f\u5f88\u60f3\u505a\u97d3\u5f0f\u7684\u96de\u8089\u5305\u3002\u800c\u70cf\u51ac\u9762\u96d6\u7136\u8208\u8da3\u4e0d\u5927\uff0c\u8d77\u78bc\u4e0d\u6297\u62d2\u3002\u5728\u85cd\u570d\u88d9\u6709\u9650\u7684\u83dc\u55ae\u88e1\uff0c\u9019\u500b\u5c07\u5c31\u7684\u7d44\u5408\uff0c\u5df2\u7d93\u662f\u80fd\u770b\u5230\u7684\u56db\u5468\u88e1\u6700\u6eff\u610f\u7684\u4e86\u3002\u6211\u9078\u7684\u9001\u8ca8\u6642\u9593\u662f\u9031\u56db\u3002\u9019\u661f\u671f\u56db\u4e00\u5927\u65e9\uff0c\u5927\u6982\u4e03\u9ede\u591a\u7684\u6642\u5019\uff0c\u9580\u885b\u4fbf\u901a\u77e5\u6709\u8ca8\u9001\u5230\u3002\u6211\u9084\u6c92\u53cd\u61c9\u904e\u4f86\u751a\u9ebc\u6771\u6771\u9001\u8ca8\u9019\u9ebc\u65e9\uff0c\u4e00\u76f4\u8b93\u5b83\u5728\u9580\u885b\u90a3\u5446\u5230\u665a\u4e0a\u4e0b\u73ed\u624d\u628a\u5b83\u53d6\u56de\u5bb6\u3002 \u7bb1\u5b50\u597d\u5927\u597d\u91cd\uff01\u611f\u89ba\u8d77\u78bc\u4e03\u3001\u516b\u78c5\uff01\u88e1\u9762\u7a76\u7adf\u88dd\u4e86\u591a\u5c11\u98df\u6750\uff1f \u6574\u500b\u7bb1\u5b50\u662f\u7528\u4fdd\u6eab\u888b\u588a\u4f4f\u7684\uff0c\u6253\u958b\u7bb1\u5b50\u5148\u770b\u5230\u7684\u662f\u98df\u8b5c\u548c\u512a\u60e0\u5238\u3002\u98df\u6750\u662f\u4e00\u6a23\u6a23\u5206\u5225\u5305\u597d\u7684\u3002\u9664\u4e86\u9ec3\u74dc\u9019\u7a2e\u5730\u7403\u4eba\u90fd\u8a8d\u8b58\u7684\u98df\u6750\uff0c\u5176\u4ed6\u90fd\u7d30\u5fc3\u5730\u6a19\u4e0a\u4e86\u540d\u5b57\u3002\u96d6\u7136\u7d30\u5fc3\uff0c\u4f46\u6211\u4e0d\u5f97\u4e0d\u8aaa\uff0c\u9ec3\u74dc\u6709\u9ede\u58d3\u58de\u4e86\u3002 \u6316\u5230\u7bb1\u5e95\uff0c\u6211\u7d42\u65bc\u767c\u73fe\u70ba\u4ec0\u9ebc\u5b83\u9019\u9ebc\u91cd\u4e86\uff1a \u90a3\u5169\u5305\u767d\u8272\u7684\u90fd\u662f\u51b0\uff01\u56e0\u70ba\u6700\u4e0b\u9762\u653e\u7684\u662f\u9700\u8981\u901f\u51cd\u7684\u8089\uff0c\u70ba\u4e86\u8b93\u98df\u6750\u80fd\u6490\u5230\u6211\u56de\u5bb6\uff0c\u771f\u662f\u4e0d\u5bb9\u6613\u3002 \u597d\u4e86\uff0c\u53ef\u4ee5\u505a\u98ef\u4e86\u3002\u6211\u5011\u5148\u4f86\u770b\u770b\u98df\u8b5c\uff1a \u83dc\u8b5c\u6b63\u9762\u662f\u4ecb\u7d39\uff0c\u5305\u62ec\u88fd\u4f5c\u6642\u9593\u539f\u6750\u6599\u5217\u8868\uff0c\u80cc\u9762\u662f\u88fd\u4f5c\u6b65\u9a5f\u3002\u9019\u500b\u97d3\u5f0f\u96de\u8089\u5305\u7684\u6e96\u5099\u6642\u9593\u662f\u5341\u5206\u9418\uff0c\u88fd\u4f5c\u6642\u9593\u662f\u4e8c\u5341\u4e94\u5230\u4e09\u5341\u4e94\u5206\u9418\u3002\u6211\u6df1\u8868\u61f7\u7591\uff0c\u7562\u7adf\u4e0d\u80fd\u7528\u5927\u5eda\u7684\u901f\u5ea6\u4f86\u8981\u6c42\u6211\u554a\u3002\u6211\u53ef\u662f\u597d\u5929\u90fd\u4e0d\u4e0b\u4e00\u6b21\u5eda\u623f\u7684\uff01 \u77a5\u4e86\u4e00\u773c\uff0c\u83dc\u8b5c\u597d\u50cf\u6c92\u6211\u60f3\u50cf\u4e2d\u7684\u96e3\uff0c\u81f3\u5c11\u5b83\u8aaa\u7684\u751a\u9ebc\u5207\u83dc\u5566\uff0c\u7092\u8089\u5566\uff0c\u84b8\u5305\u5566\uff0c\u6211\u90fd\u6703\u505a\u7684\u3002\u4e0d\u904e\u7b49\u7b49\uff0c\u539f\u6750\u6599\u5c45\u7136\u8981\u8c46\u8c49\u91ac\u548c\u6ce1\u83dc\u7528\u8fa3\u6912\uff1f\u9019\u4e9b\u6771\u897f\u6211\u5230\u54ea\u627e\uff1f\u96e3\u9053\u505a\u500b\u98ef\u6211\u9084\u8981\u8dd1\u8d9f\u97d3\u570b\u8d85\u5e02\uff1f\u4e0d\u884c\u5427\uff1f\u61c9\u8a72\u6709\u63d0\u4f9b\u5427\uff1f \u7d42\u65bc\u627e\u5230\u4e86\uff1a \u6bcf\u4e00\u9813\u7684\u91ac\u6599\u90fd\u662f\u7528\u7d19\u888b\u5206\u5225\u5305\u597d\u7684\uff0c\u6a19\u8b58\u90fd\u5f88\u6e05\u695a\u3002\u7576\u7136\u4e86\uff0c\u9e7d\u3001\u80e1\u6912\u3001\u6a44\u6b16\u6cb9\u9019\u88e1\u5e38\u898b\u539f\u6599\u9084\u662f\u8981\u81ea\u5099\u7684\u3002\u53e6\u5916\uff0c\u5e38\u898b\u7684\u5eda\u5177\uff0c\u5982\u4e0d\u9ecf\u934b\u3001\u6728\u93df\u3001\u91cf\u52fa\u3001\u91cf\u676f\u4e4b\u985e\u4e5f\u662f\u9700\u8981\u7684\u3002 \u7d42\u65bc\u53ef\u4ee5\u505a\u83dc\u4e86\u3002\u6211\u5011\u4e00\u6b65\u6b65\u4f86\u3002 1\u3001\u5207\u83dc \u539f\u98df\u8b5c\u8981\u5207\u9ec3\u74dc\u3001\u8525\u548c\u6cd5\u5f0f\u5c0f\u863f\u8514\uff08radishes\uff09\u3002\u6211\u4e0d\u559c\u6b61\u5403\u8525\uff0c\u6240\u4ee5\u514d\u4e86\u4e00\u6a23\u3002 \u9ec3\u74dc\u56e0\u70ba\u58d3\u58de\u4e86\uff0c\u6240\u4ee5\u6211\u63db\u4e86\u4e00\u500b\u3002\u5c0f\u863f\u8514\u8d85\u7d1a\u96e3\u5207\uff0c\u672c\u4f86\u61c9\u8a72\u5207\u8584\u7247\u7684\uff0c\u88ab\u6211\u5e7e\u4e4e\u5207\u6210\u4e86\u7d72\u3002 2\u3001\u88fd\u4f5c\u6ce1\u83dc \u628a\u5c0f\u863f\u8514\u3001\u9ec3\u74dc\u3001\u767d\u918b\u548c\u6ce1\u83dc\u7528\u8fa3\u6912\u62cc\u5728\u4e00\u8d77\uff0c\u7051\u4e0a\u5c11\u91cf\u7684\u9e7d\u548c\u80e1\u6912\u4ee5\u53ca\u5c11\u8a31\u6a44\u6b16\u6cb9\uff0c\u975c\u7f6e\u81f3\u5c11\u5341\u5206\u9418\u3002\u9019\u500b\u6ce1\u83dc\uff0c\u662f\u8981\u7b49\u4e00\u4e0b\u653e\u5305\u5b50\u88e1\u7684\uff0c\u7136\u5f8c\u591a\u9918\u7684\u53ef\u4ee5\u76f4\u63a5\u7576\u6ce1\u83dc\u5403\u3002 3\u3001\u716e\u96de\u8089 \u653e\u5169\u8336\u5319\u6a44\u6b16\u6cb9\u5230\u4e0d\u9ecf\u934b\u88e1\uff0c\u52a0\u788e\u96de\u8089\uff0c\u7051\u4e0a\u9069\u91cf\u9e7d\u548c\u80e1\u6912\uff0c\u716e6\u52308\u5206\u9418\u3002\u9019\u4e00\u6b65\u7684\u96e3\u9ede\u662f\u8981\u76e1\u91cf\u628a\u96de\u8089\u5f04\u788e\uff0c\u4e0d\u7136\u90fd\u7c98\u6210\u4e00\u5927\u584a\u7b49\u4e00\u4e0b\u585e\u9032\u5305\u5b50\u88e1\u6709\u56f0\u96e3\u3002 4\u3001\u8abf\u91ac\u6599 \u5f80\u96de\u8089\u88e1\u52a0\u5165\u8525\u767d\u3001\u8c46\u8c49\u91ac\u3001\u534a\u676f(1\/2 cup)\u6c34\u3001\u5269\u4e0b\u7684\u534a\u4efd\u6ce1\u83dc\u7528\u8fa3\u6912\uff0c\u7051\u4e0a\u9e7d\u548c\u80e1\u6912\uff0c\u716e4\u52306\u5206\u9418\u3002\u716e\u5230\u6c34\u5e72\uff0c\u5c31\u5dee\u4e0d\u591a\u4e86\u3002 \u9019\u4e00\u6b65\u6211\u8df3\u904e\u4e86\u8525\u767d\u3002\u81ea\u5df1\u505a\u98ef\u9084\u662f\u6709\u597d\u8655\u7684\uff0c\u53ef\u4ee5\u4efb\u610f\u6311\u98df\u3002:D 5\u3001\u84b8\u5305 \u7406\u8ad6\u4e0a\u9019\u662f\u6700\u7c21\u55ae\u7684\u4e00\u6b65\u4e86\u3002\u4e0d\u904e\u505a\u5b8c\u6211\u624d\u767c\u73fe\u81ea\u5df1\u5927\u610f\u4e86\uff0c\u84b8\u76e4\u6c92\u6709\u5b8c\u5168\u64e6\u5e72\uff0c\u65bc\u662f\u5305\u6cbe\u4e86\u4e00\u9ede\u9ede\u5e95\u3002\u8981\u662f\u6c34\u518d\u591a\u4e00\u9ede\uff0c\u9019\u500b\u5305\u5c31\u6bc0\u4e86\u3002 6\u3001\u64fa\u76e4 \u6211\u7d42\u65bc\u767c\u73fe\uff0c\u6211\u548c\u5927\u5eda\u7684\u5dee\u8ddd\uff0c\u5c31\u5728\u64fa\u76e4\u4e0a\u4e86\uff01\u60f3\u4e0d\u5230\u9019\u500b\u9577\u76f8\u7c21\u55ae\u7684\u5305\u5b50\uff0c\u64fa\u76e4\u5c45\u7136\u662f\u6700\u96e3\u7684\u4e00\u6b65\uff01\u628a\u8089\u9921\u548c\u6ce1\u83dc\u585e\u5305\u5b50\u88e1\uff0c\u672c\u4f86\u662f\u591a\u9ebc\u7c21\u55ae\u7684\u4e00\u6b65\uff0c\u4e0d\u53ef\u80fd\u5931\u6557\u7684\u3002\u4f46\u662f\u6211\u4e00\u908a\u5f80\u5305\u5b50\u88e1\u585e\u9921\uff0c\u9921\u4e00\u908a\u5f80\u5916\u6389\uff01\u672c\u4f86\u5b8c\u7f8e\u7684\u767d\u76e4\u5b50\uff0c\u88ab\u6cbe\u4e0a\u4e86\u6ce1\u83dc\u91ac\uff0c\u9023\u5305\u5b50\u4e0a\u90fd\u6cbe\u4e0a\u4e86\u3002\u9019\u500b\u8ce3\u76f8\u4e0d\u80fd\u9032\u9910\u9928\u5427\uff1f \u4e0d\u904e\u5473\u9053\u771f\u7684\u5f88\u597d\uff01\u5b8c\u52dd\u6211\u5728\u97d3\u570b\u57ce\u5403\u7684\u97d3\u5f0f\u5305\u5b50\uff01 \u54c7\uff0c\u6211\u5c45\u7136\u9054\u5230\u4e86\u6e96\u5927\u5eda\u6c34\u6e96\uff01\u5c31\u5dee\u64fa\u76e4\u4e86\uff01 \u9806\u4fbf\u5217\u500b\u539f\u6750\u6599\u6e05\u55ae\u5427\u3002 \u98df\u6750\uff1a 10\u5b89\u58eb\u788e\u96de\u8089 6\u500b\u8377\u8449\u5305 3\u500b\u6cd5\u5f0f\u5c0f\u863f\u8514 1\u6839\u9ec3\u74dc 1\u689d\u8525\uff08\u6211\u5ffd\u7565\uff09 \u91ac\u6599\uff1a 2\u8336\u5319\u8c46\u8c49\u91ac 2\u8336\u5319\u767d\u918b 1\u8336\u5319\u6ce1\u83dc\u7528\u8fa3\u6912 \u5361\u8def\u91cc\uff1a540\u2026","rel":"","context":"In "Life"","block_context":{"text":"Life","link":"https:\/\/www.shutingg.net\/blog\/category\/life-2\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/05\/IMG_5701.jpg?fit=1200%2C900&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/05\/IMG_5701.jpg?fit=1200%2C900&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/05\/IMG_5701.jpg?fit=1200%2C900&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/05\/IMG_5701.jpg?fit=1200%2C900&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/05\/IMG_5701.jpg?fit=1200%2C900&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":1272,"url":"https:\/\/www.shutingg.net\/blog\/2016\/11\/07\/1272\/","url_meta":{"origin":1294,"position":3},"title":"\u57282016\u5927\u9078\u5373\u5c07\u843d\u5e55\u6642","author":"Charlotte Guan","date":"November 7, 2016","format":false,"excerpt":"\u6700\u8fd1\u975e\u5e38\u5fd9\uff0c\u4f46\u770b\u5728\u516b\u5e74\u4e00\u5b9a\u7684\u7c73\u570b\u5927\u9078\u660e\u5929\u843d\u5e55\uff0c\u770b\u5728\u9019\u6050\u6015\u4e0d\u662f\u6b77\u53f2\u4e0a\u4e5f\u81f3\u5c11\u662f\u8fd1\u5e7e\u5341\u5e74\u4f86\u7f8e\u570b\u6700\u6495\u903c\u7684\u4e00\u6b21\u5927\u9078\uff0c\u6211\u9084\u662f\u5beb\u5e7e\u53e5\u7559\u5ff5\u5427\u3002","rel":"","context":"In "Politics"","block_context":{"text":"Politics","link":"https:\/\/www.shutingg.net\/blog\/category\/politics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/11\/debate.jpg?fit=750%2C540&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/11\/debate.jpg?fit=750%2C540&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/11\/debate.jpg?fit=750%2C540&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2016\/11\/debate.jpg?fit=750%2C540&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":1366,"url":"https:\/\/www.shutingg.net\/blog\/2017\/10\/29\/1366\/","url_meta":{"origin":1294,"position":4},"title":"\u7b2c\u5341\u4e5d\u6b21\u83ef\u5c71\u8ad6\u528d\u7684\u770b\u9ede\u548c\u5c55\u671b","author":"Charlotte Guan","date":"October 29, 2017","format":false,"excerpt":"\u672c\u4ee5\u70ba\u7b2c\u5341\u4e5d\u6b21\u83ef\u5c71\u8ad6\u528d\u6c92\u751a\u9ebc\u770b\u9ede\u3002\u7562\u7adf\u6b66\u6797\u81f3\u5c0a\u5730\u4f4d\u7262\u56fa\uff0c\u524d\u5169\u5c46\u76df\u4e3b\u52e2\u529b\u65e9\u4e0d\u5982\u524d\u3002\u4f46\u6700\u5f8c\u770b\u5230\u540d\u55ae\u548c\u6392\u4f4d\uff0c\u6211\u9084\u662f\u4e0d\u7531\u5f97\u9a5a\u4e86\uff1a\u4e03\u500b\u5750\u5e2d\uff0c\u9664\u4e86\u76df\u4e3b\uff0c\u6709\u516d\u500b\u4f4d\u7f6e\uff0c\u518d\u9664\u53bb\u4e03\u4e0a\u516b\u4e0b\u898f\u77e9\u548c\u4f4e\u8abf\u8868\u73fe\u4e0b\uff0c\u5f88\u53ef\u80fd\u7559\u4efb\u7684\u5c0f\u5f37\uff0c\u662f\u4e94\u500b\u4f4d\u7f6e\uff1bBBC\u5728\u6703\u524d\u7d66\u51fa\u4e86\u4e03\u500b\u5019\u9078\u4eba\u540d\u55ae\uff0c\u7d50\u679c\u9664\u4e86\u5169\u500b\u6309\u5e74\u9f61\u6709\u63a5\u73ed\u5e0c\u671b\u7684\u4ee5\u5916\uff0c\u5176\u4ed6\u4e94\u4eba\u90fd\u6649\u7d1a\u6210\u529f\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u76df\u4e3b\u4e0d\u9000\u4f4d\u7684\u5fc3\u601d\u5148\u524d\u53ea\u662f\u731c\u6e2c\uff0c\u6b64\u523b\u537b\u662f\u53f8\u99ac\u662d\u4e4b\u5fc3\u8def\u4eba\u7686\u77e5\u4e86\u3002 \u4e26\u4e0d\u662f\u6c92\u731c\u5230\u4e0d\u9000\u4f4d\uff0c\u53ea\u662f\u6c92\u731c\u5230\u6703\u9019\u9ebc\u5f35\u63da\u3002\u5148\u524d\u9084\u4ee5\u5916\u6703\u8d70\u500b\u5f62\u5f0f\uff0c\u64fa\u4e00\u5169\u500b\u5019\u9078\u4eba\u88dd\u88dd\u6a23\u5b50\uff0c\u5230\u6642\u5019\u518d\u8981\u9ebc\u8b93\u5019\u9078\u4eba\u81ea\u52d5\u9000\u8b93\uff0c\u8981\u9ebc\u50cf\u6574\u5148\u524d\u7684\u51c6\u5019\u9078\u4eba\u5c0f\u624d\u90a3\u6a23\u6574\u4e0b\u4f86\u3002\u53c8\u6216\u8005\uff0c\u6703\u63a1\u53d6\u4e4b\u524d\u5c0f\u5e73\u90a3\u7a2e\u9000\u800c\u4e0d\u9000\u7684\u65b9\u5f0f\uff0c\u5378\u6389\u982d\u929c\uff0c\u537b\u7262\u6293\u8ecd\u6b0a\u3002\u770b\u6a23\u5b50\uff0c\u76df\u4e3b\u6b0a\u529b\u5df2\u7d93\u978f\u56fa\u5230\u9023\u88dd\u6a23\u5b50\u90fd\u4e0d\u5c51\u7684\u5730\u6b65\u4e86\u3002\u6b64\u523b\u6211\u70ba\u90a3\u5169\u4f4d\u6c92\u6210\u529f\u6649\u7d1a\u7684\u5019\u9078\u4eba\u634f\u4e86\u628a\u6c57\uff1a\u6c92\u6649\u7d1a\uff0c\u7e3d\u6bd4\u6649\u7d1a\u5f8c\u88ab\u6b32\u52a0\u4e4b\u7f6a\u6574\u4e0b\u4f86\u7684\u597d\u3002 \u4e0b\u4e00\u500b\u610f\u5473\u6df1\u9577\u7684\u770b\u9ede\u662f\u6392\u4f4d\u3002\u5c0f\u5f37\u7e7c\u7e8c\u505a\u8457\u4ed6\u6709\u540d\u7121\u5be6\u7684\u8077\u4f4d\uff0c\u9019\u662f\u610f\u6599\u4e4b\u4e2d\u4e86\u3002\u7562\u7adf\u5c0d\u65bc\u76df\u4e3b\u4f86\u8aaa\uff0c\u6709\u624d\u7684\u4e8c\u628a\u624b\uff0c\u4e0d\u5982\u5167\u6582\u807d\u8a71\u7684\u4e8c\u628a\u624b\u3002\u4f46\u7b2c\u4e09\u4f4d\u7531\u539f\u5927\u5167\u7e3d\u7ba1\u64d4\u4efb\uff0c\u9084\u662f\u8b93\u6211\u6389\u4e86\u4e0b\u773c\u93e1\u3002\u5c0f\u6230\u4f5c\u70ba\u6b66\u6797\u4ee3\u8868\uff0c\u4e5f\u5c31\u4e00\u5c46\u800c\u5df2\u5427\uff1f\u9019\u76f4\u5347\u6a5f\u6607\u5f97\u6709\u9ede\u5feb\u554a\u3002\u7576\u7136\uff0c\u4f5c\u70ba\u76df\u4e3b\u5f62\u5f71\u4e0d\u96e2\u7684\u9435\u687f\uff0c\u4ed6\u7684\u6649\u7d1a\u65e9\u5728\u9810\u6599\u4e4b\u4e2d\uff0c\u4e4b\u524d\u66f4\u591a\u7684\u731c\u6e2c\u662f\u4ed6\u6703\u63a5\u6551\u706b\u968a\u9577\u7684\u73ed\uff0c\u8ab0\u90fd\u6c92\u60f3\u5230\u4ed6\u6703\u6392\u540d\u7b2c\u4e09\uff0c\u51fa\u4efb\u8209\u624b\u9ee8\u9ee8\u9b41\u5427\uff1f \u7b2c\u56db\u4f4d\u662f\u6c34\u6c34\u3002\u672c\u5c46\u88e1\u6211\u8a8d\u70ba\u6700\u6709\u624d\uff0c\u6700\u958b\u660e\u7684\u6c34\u6c34\uff0c\u5728\u7b49\u5230\u982d\u9aee\u90fd\u767d\u4e86\u4ee5\u5f8c\uff0c\u7d42\u65bc\u6210\u529f\u6649\u7d1a\u4e86\uff0c\u537b\u505a\u7684\u662f\u5354\u8abf\u59d4\u54e1\u9577\u9019\u7a2e\u4f4d\u9ad8\u800c\u7121\u6b0a\u7684\u8077\u4f4d\uff0c\u4f30\u8a08\u662f\u7b49\u8457\u4ed6\u505a\u4e00\u4e0b\u5354\u8abf\u95dc\u4fc2\u7684\u5de5\u4f5c\u800c\u5df2\u3002\u771f\u771f\u662f\u82f1\u96c4\u7121\u7528\u6b66\u4e4b\u5730\u554a\u3002\u4e0d\u904e\u60f3\u60f3\u4e5f\u662f\u9053\u7406\u3002\u76df\u4e3b\u9019\u9ebc\u5f37\uff0c\u9084\u9700\u8981\u751a\u9ebc\u6709\u624d\u6709\u6c11\u671b\u7684\u624b\u4e0b\u554a\uff0c\u807d\u8a71\u4fbf\u597d\u3002 \u63a5\u4e0b\u4f86\u7684\uff0c\u662f\u667a\u56ca\u982d\u982d\u4e0a\u6d77\u5be7\u6ce2\uff0c\u9019\u4e5f\u662f\u6253\u7834\u4e86\u667a\u56ca\u4e0d\u5165\u95a3\u7684\u6163\u4f8b\u4e86\u3002\u6c92\u6709\u6b0a\u529b\u57fa\u790e\u7684\u5b78\u8005\u5165\u95a3\uff0c\u5373\u4fbf\u662f\u8f14\u52a9\u4e86\u4e09\u671d\u7684\u5b78\u8005\uff0c\u4e5f\u53ea\u80fd\u5c0d\u76df\u4e3b\u5fe0\u5fc3\u803f\u803f\u3002\u64da\u8aaa\u4e09\u671d\u5beb\u5165\u6b66\u6797\u7db1\u9818\u7684\u601d\u60f3\u90fd\u662f\u4ed6\u8d77\u8349\u7684\uff0c\u4ed6\u53ef\u6c92\u5c11\u7d66\u8ab2\u672c\u80cc\u8aa6\u5167\u5bb9\u6dfb\u4e8b\u554a\u3002\u4e0a\u6d77\u5be7\u6ce2\u51fa\u4efb\u7684\uff0c\u61c9\u8a72\u662f\u9632\u6c11\u4e4b\u53e3\u5de5\u4f5c\u3002\u5b78\u8005\u5c0d\u4ed8\u5b78\u8005\uff0c\u4ed6\u6709\u5fc3\u6574\u7684\u8a71\uff0c\u8981\u6293\u4f4f\u6b66\u6797\u7684\u5b78\u8853\u548c\u5a92\u9ad4\u7684\u54bd\u5589\u61c9\u8a72\u662f\u8f15\u800c\u6613\u8209\u7684\u5427\u3002\u806f\u60f3\u5230\u5341\u4e5d\u6b21\u83ef\u5c71\u8ad6\u528d\u4e0a\u592e\u8996\u9ed1\u524d\u524d\u76df\u4e3b\u7684\u93e1\u982d\uff0c\u5c31\u77e5\u9053\u672a\u4f86\u5e7e\u5e74\u9ed1\u5c0d\u624b\u7684\u756b\u98a8\u4e86\u3002 \u81f3\u65bc\u63a5\u7ba1\u6b66\u6797\u8859\u9580\uff0c\u9019\u500b\u6392\u540d\u4e0d\u9ad8\uff0c\u6b0a\u529b\u6050\u6016\u7684\u8077\u4f4d\u7684\uff0c\u662f\u539f\u5148\u638c\u7ba1\u4eba\u4e8b\u7684\u8033\u793a\u3002\u8033\u793a\u539f\u5148\u9084\u662f\u6551\u706b\u968a\u9577\u7684\u526f\u624b\uff0c\u63a5\u4ed6\u7684\u73ed\u96d6\u975e\u9810\u6599\u4e4b\u4e2d\uff0c\u4e5f\u7b97\u540d\u6b63\u8a00\u9806\u3002\u4eba\u4e8b\u982d\u982d\u7ba1\u5718\u7d50\uff0c\u8859\u9580\u982d\u982d\u7ba1\u7d00\u5f8b\uff0c\u5927\u5bb6\u6709\u7d00\u5f8b\u5730\u5718\u7d50\u5728\u76df\u4e3b\u5468\u570d\uff0c\u5927\u6982\u5c31\u9019\u610f\u601d\u3002\u524d\u5169\u671d\u7684\u907a\u81e3\u662f\u8981\u5fb9\u5e95\u88ab\u6e05\u7406\u51fa\u5c40\u4e86\u3002 \u6700\u5f8c\u4e00\u4f4d\uff0c\u662f\u4e0a\u4e0a\u671d\u7684\u4eba\u99ac\uff0c\u4e00\u6b62\u54e5\u3002\u4ed6\u7684\u4e0a\u4f4d\uff0c\u5927\u6982\u662f\u641e\u6d3e\u7cfb\u5e73\u8861\u7528\u7684\u3002\u4e00\u6b62\u54e5\u8070\u660e\uff0c\u662f\u6703\u5169\u908a\u64fa\u7684\u7246\u982d\u8349\uff0c\u53c8\u53ea\u6709\u4e00\u4eba\uff0c\u61c9\u8a72\u662f\u7919\u4e0d\u4e86\u751a\u9ebc\u4e8b\u3002\u8981\u662f\u4ed6\u4e0d\u5920\u8070\u660e\uff0c\u88ab\u6392\u5728\u4ed6\u524d\u9762\u7684\u90a3\u4f4d\u5237\u6389\uff0c\u4e5f\u662f\u5206\u5206\u9418\u7684\u4e8b\u3002\u5728\u53ef\u9810\u671f\u7684\u5e7e\u5e74\u88e1\uff0c\u4e00\u6b62\u54e5\u4f30\u8a08\u4e5f\u5c31\u7ba1\u7ba1\u90a3\u7ba1\u4e0d\u4e86\u7684\u53f0\u7063\u4e8b\u52d9\uff0c\u6253\u6253\u91ac\u6cb9\u4e86\u3002 \u5f9e\u4ee5\u4e0a\u6392\u540d\u5b89\u6392\u770b\uff0c\u53cd\u8150\u5c07\u7e7c\u7e8c\u6210\u70ba\u76df\u4e3b\u978f\u56fa\u6b66\u6797\u5718\u7d50\u7684\u5de5\u5177\uff0c\u8a00\u8ad6\u5c07\u88ab\u9032\u4e00\u6b65\u6536\u7dca\uff0c\u76df\u4e3b\u5c07\u7e7c\u7e8c\u89aa\u9818\u7d93\u6fdf\uff0c\u5c0d\u5167\u5c0d\u5916\u9032\u4e00\u6b65\u6253\u9020\u5f37\u570b\u5f62\u8c61\uff0c\u6c11\u65cf\u4e3b\u7fa9\u5c07\u7e7c\u7e8c\u7f6e\u65bc\u7406\u6027\u4e4b\u4e0a\u3002\u4e0d\u4f46\u4e0d\u6703\u6709\u653f\u6cbb\u6539\u9769\uff0c\u800c\u4e14\u6703\u5c0d\u5916\u92b7\u552e\u9019\u7a2e\u4e0d\u641e\u653f\u6cbb\u6539\u9769\uff0c\u53ea\u641e\u7d93\u6fdf\u6539\u9769\u7684\u6a21\u5f0f\u3002\u4e94\u5e74\u4e4b\u5f8c\uff0c\u76df\u4e3b\u4e0d\u6703\u9000\u4f4d\u3002 \u00a0","rel":"","context":"In "Politics"","block_context":{"text":"Politics","link":"https:\/\/www.shutingg.net\/blog\/category\/politics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2017\/10\/19.jpg?fit=600%2C400&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2017\/10\/19.jpg?fit=600%2C400&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2017\/10\/19.jpg?fit=600%2C400&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":1533,"url":"https:\/\/www.shutingg.net\/blog\/2020\/03\/26\/1533\/","url_meta":{"origin":1294,"position":5},"title":"\u4f34\u8457\u75ab\u60c5\u5f9e\u4e2d\u570b\u8d70\u5230\u7f8e\u570b","author":"Charlotte Guan","date":"March 26, 2020","format":false,"excerpt":"\u4eca\u5e74\u6625\u7bc0\u56de\u570b\u904e\u5e74\uff0c\u525b\u597d\u7d93\u6b77\u4e86\u65b0\u51a0\u5728\u4e2d\u570b\u7206\u767c\u3002\u90a3\u6642\u6211\u77e5\u9053\u81ea\u5df1\u5728\u7d93\u6b77\u6b77\u53f2\uff0c\u77e5\u9053\u9019\u5c07\u662f\u672a\u4f86\u5e7e\u5341\u5e74\u90fd\u6703\u9298\u8a18\u7684\u5927\u4e8b\uff0c\u4f46\u6211\u6c92\u60f3\u5230\uff0c\u9019\u4e0d\u6b62\u662f\u4e2d\u570b\u7684\u6b77\u53f2\uff0c\u9019\u4ef6\u5927\u4e8b\uff0c\u5c07\u88ab\u5168\u4e16\u754c\u9298\u8a18\u3002","rel":"","context":"In "Life"","block_context":{"text":"Life","link":"https:\/\/www.shutingg.net\/blog\/category\/life-2\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2020\/03\/IMG_1216-copy-scaled.jpg?fit=900%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2020\/03\/IMG_1216-copy-scaled.jpg?fit=900%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2020\/03\/IMG_1216-copy-scaled.jpg?fit=900%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2020\/03\/IMG_1216-copy-scaled.jpg?fit=900%2C1200&ssl=1&resize=700%2C400 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/posts\/1294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/comments?post=1294"}],"version-history":[{"count":5,"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/posts\/1294\/revisions"}],"predecessor-version":[{"id":1300,"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/posts\/1294\/revisions\/1300"}],"wp:attachment":[{"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/media?parent=1294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/categories?post=1294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shutingg.net\/blog\/wp-json\/wp\/v2\/tags?post=1294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u4e0d\u61c2\u5e02\u5834\u9031\u671f\u90fd\u53ef\u4ee5\u8cfa\u9322\u7684\u7d55\u62db\uff1a\u5b9a\u6295<\/h2>\n
\u6700\u6700\u61f6\u4eba\u7684\u7d42\u6975\u6295\u8cc7\u5229\u5668\uff1a\u6a5f\u5668\u4eba\u81ea\u52d5\u6295\u8cc7\u5e73\u53f0<\/h2>\n