{"id":1755,"date":"2021-10-23T00:53:48","date_gmt":"2021-10-23T04:53:48","guid":{"rendered":"https:\/\/www.shutingg.net\/blog\/?p=1755"},"modified":"2021-10-23T00:55:45","modified_gmt":"2021-10-23T04:55:45","slug":"%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a6%82%e4%bd%95%e5%ad%98%e9%8c%a2%e9%80%80%e4%bc%91","status":"publish","type":"post","link":"https:\/\/www.shutingg.net\/blog\/2021\/10\/23\/1755\/","title":{"rendered":"\u7f8e\u570b\u4eba\u5982\u4f55\u5b58\u9322\u9000\u4f11"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5927\u591a\u6578\u7684\u7f8e\u570b\u4eba\uff0c\u4e0d\u4f46\u80fd\u9078\u64c7\u5b58\u4e0d\u5b58\u9000\u4f11\u91d1\uff0c\u5b58\u591a\u5c11\uff0c\u9084\u80fd\u9078\u64c7\u5b58\u7684\u9322\u6295\u8cc7\u751a\u9ebc\u3002\u800c\u9000\u4f11\u91d1\uff0c\u5176\u5be6\u4e5f\u4e0d\u6b62\u662f\u9000\u4f11\u91d1\u3002\u6216\u8005\u8aaa\uff0c\u5c0d\u65bc\u591a\u5c11\u7684\u7f8e\u570b\u4eba\uff0c\u65e9\u5df2\u7d93\u6c92\u6709\u50b3\u7d71\u610f\u7fa9\u4e0a\u7684\uff0c\u9000\u4f11\u5f8c\u53ef\u4ee5\u4e00\u76f4\u62ff\u5230\u56a5\u6c23\u7684\u9000\u4f11\u91d1\u4e86\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0157.jpg?ssl=1\"><img data-recalc-dims=\"1\" decoding=\"async\" data-attachment-id=\"1756\" data-permalink=\"https:\/\/www.shutingg.net\/blog\/2021\/10\/23\/1755\/img_0157\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0157.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"1\" data-image-meta=\"[]\" data-image-title=\"How to Retire with Enough Money\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;How to Retire with Enough Money&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0157.jpg?fit=1024%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0157.jpg?w=900&#038;ssl=1\" alt=\"\" class=\"wp-image-1756\"\/><\/a><figcaption>How to Retire with Enough Money<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u6536\u5165\u5176\u5be6\u5206\u4ee5\u4e0b\u4e09\u7a2e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Pension \uff08\u9000\u4f11\u91d1\uff09<\/li><li>401K\/403B \u6216 IRA \uff08\u9000\u4f11\u798f\u5229\u8a08\u756b\uff09<\/li><li>Social Security \uff08\u793e\u6703\u4fdd\u96aa\uff09<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pension\uff08\u9000\u4f11\u91d1\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pension \u53ea\u5c6c\u65bc\u516c\u52d9\u54e1\uff0c\u5927\u5b78\u8077\u54e1\u4e00\u985e\u3002\u79c1\u4eba\u516c\u53f8\u50f1\u54e1\u3001\u975e\u76c8\u5229\u6a5f\u69cb\u5de5\u4f5c\u8005\uff0c\u4e00\u822c\u53ea\u6709401K\u6216403B. 401K\u662f\u79c1\u4eba\u516c\u53f8\u7684\uff0c403B\u662f\u975e\u76c8\u5229\u6a5f\u69cb\u7684\uff0c\u6a5f\u5236\u90fd\u5dee\u4e0d\u591a\uff0c\u90fd\u662f\u500b\u4eba\u7d66\u5b58\u9032\u53bb\u7684\u9322\u9078\u64c7\u6295\u8cc7\u7684\u57fa\u91d1\u548c\u767e\u5206\u6bd4\uff0c\u5728\u9000\u4f11\u5f8c\u6162\u6162\u53d6\u51fa\u9019\u90e8\u5206\u6295\u8cc7\u548c\u6536\u76ca\u3002\u56e0\u70ba\u7f8e\u570b\u548c\u4e16\u754c\u7d93\u6fdf\u7e3d\u9ad4\u662f\u589e\u9577\u7684\uff0c\u6240\u4ee5\u9760\u8457\u8907\u5229\uff0c\u5728\u9000\u4f11\u6642\u6703\u6bd4\u76f4\u63a5\u5b58\u73fe\u91d1\u591a\u8a31\u591a\u6536\u5165\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">401K\/403B \u6216 IRA \uff08\u9000\u4f11\u798f\u5229\u8a08\u756b\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pension \u662f\u7d42\u751f\u7684\uff0c\u800c401K\/403B\u53d6\u5b8c\u5c31\u6c92\u6709\u4e86\u3002401K\/403B\u548c\u4e00\u822c\u5b58\u6b3e\u7684\u5340\u5225\u53ea\u5728\u65bc\uff0c\u5b58\u9032\u53bb\u7684\u9322\u5728\u53d6\u51fa\u4f86\u7684\u6642\u5019\u624d\u6263\u7a05\uff0c\u800c\u4e0d\u662f\u5728\u767c\u5de5\u8cc7\u7684\u6642\u5019\u6263\u7a05\u3002\u56e0\u70ba\u9000\u4f11\u5f8c\u6536\u5165\u4e00\u822c\u6bd4\u9000\u4f11\u524d\u4f4e\uff0c\u6240\u4ee5\u53d6\u9322\u6642\u624d\u6263\u7a05\u7684\u8a71\uff0c\u4e00\u822c\u56e0\u70ba\u6536\u5165\uff08\u9000\u4f11\u91d1\u7684\u6536\u5165\u4e5f\u662f\u6536\u5165\uff09\u6e1b\u5c11\uff0c\u6703\u9032\u5165\u500b\u6263\u7a05\u8f03\u4f4e\u7684\u6a94\uff0c\u5f9e\u800c\u7701\u4e9b\u9322\u3002\u7531\u65bc\u9019\u500b\u597d\u8655\uff0c\u653f\u5e9c\u5c0d\u6bcf\u5e74\u53ef\u4ee5\u5b58\u591a\u5c11\u9322\u9032\u9000\u4f11\u798f\u5229\u8a08\u756b\u6709\u9650\u5236\uff0c\u4f8b\u59822021\u5e74\u7684\u4e0a\u9650\u662f$19,500\u7f8e\u5143\u3002\u6b64\u5916\uff0c\u5982\u679c\u572860\u6b72\u4e4b\u524d\u53d6\u9322\uff0c\u9084\u6703\u6709\u7f70\u6b3e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u6b64\u4ee5\u5916\uff0c\u50f1\u4e3b\u4e00\u822c\u6703\u6309\u4e00\u5b9a\u6bd4\u4f8b\u7d66401K\/403B\u5b58\u9322\uff0c\u4f8b\u5982\u50f1\u54e1\u5b58\u9032403B\u7684\u9322\u5728\u5de5\u8cc7\u6536\u5165\u76845%\u5167\uff0c\u50f1\u54e1\u5b58\u591a\u5c11\u516c\u53f8\u4e5f\u5b58\u591a\u5c11\u3002\u6216\u8005\u50f1\u54e1\u5b58\u9032401K\u7684\u9322\u5728\u5de5\u8cc7\u6536\u5165\u768410%\u5167\uff0c\u50f1\u54e1\u5b58\u591a\u5c11\uff0c\u516c\u53f8\u5b58\u76f8\u61c9\u768450%. \u9019\u500b\u6bd4\u4f8b\u7531\u6bcf\u500b\u516c\u53f8\u81ea\u5df1\u5b9a\uff0c\u662f\u4e00\u500b\u5165\u8077\u524d\u9700\u8981\u770b\u6e05\u695a\u7684\u689d\u6b3e\u3002\u5982\u679c\u6709\u9019\u500bmatch\uff0c\u4e00\u5b9a\u8981\u5b58\u6eff\u50f1\u4e3bmatch\u7684\u4e0a\u9650\uff0c\u4e0d\u7136\u5c31\u8667\u5927\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7576\u7136\u4e86\uff0c\u9084\u6709\u4e9b\u516c\u53f8\uff0c\u6839\u672c\u5c31\u6c92\u6709401K\/403B, \u9019\u6642\u5019\uff0c\u5c31\u8981\u81ea\u5df1\u5b58IRA\u4e86\u3002IRA\u548c401K\u985e\u4f3c\uff0c\u4f46\u662f\u4e00\u822c\u6295\u8cc7\u9078\u64c7\u6703\u591a\u4e9b\u3002\u548c401K\u4e00\u6a23\uff0c\u4e5f\u6709\u5b58\u9322\u4e0a\u9650\uff0c\u4f46\u9019\u4e0a\u9650\u4f4e\u5f88\u591a\u30022021\u5e74\uff0c50\u6b72\u4ee5\u4e0b\u7684\u4e0a\u9650\u662f$6,000\uff0c50\u6b72\u4ee5\u4e0a\u662f$7,000\u3002 \u6709401K\/403B\u7684\u4eba\uff0c\u4e5f\u53ef\u4ee5\u5b58IRA. \u4f46\u662f\u53ea\u6709\u6709\u5de5\u4f5c\u6536\u5165\uff08\u5305\u62ec\u7d66\u81ea\u5df1\u6253\u5de5\uff09\u7684\u4eba\u53ef\u4ee5\u5b58IRA, \u6536\u79df\u4e4b\u985e\u7684\u6536\u5165\u662f\u4e0d\u7b97\u7684\u3002\u9019\u5927\u6982\u662f\u653f\u5e9c\u9f13\u52f5\u5927\u5bb6\u53bb\u5de5\u4f5c\u3002\u548c401K\u4e00\u6a23\uff0c\u5982\u679c\u572860\u6b72\u4e4b\u524d\u53d6\u9322\uff0c\u6703\u6709\u7f70\u6b3e\u3002\u53e6\u5916\uff0c72\u6b72\u5f8c\u5fc5\u9808\u958b\u59cb\u53d6\u9322\uff0c\u5927\u6982\u653f\u5e9c\u662f\u6015\u4eba\u6b7b\u4e86\u9084\u6c92\u6a5f\u6703\u6263\u7a05\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9084\u6709\u4e00\u7a2eIRA\u53eb\u505aRoth IRA, \u8207\u50b3\u7d71IRA\u4e0d\u540c\u7684\u662f\uff0cRoth IRA\u662f\u7a05\u5f8c\u7684\u9322\u5b58\u9032\u53bb\uff0c\u7136\u5f8c\u589e\u9577\u7684\u6536\u76ca\u548c\u9000\u4f11\u5f8c\u53d6\u9322\u4e0d\u6263\u7a05\u3002\u6240\u4ee5\u9019\u66f4\u6642\u5019\u9000\u4f11\u5f8c\u6536\u5165\u5728\u66f4\u9ad8\u7a05\u7387\u6a94\u7684\u4eba\u3002\u548c\u50b3\u7d71IRA\u4e00\u6a23\uff0cRoth IRA\u4e5f\u6709\u5b58\u9322\u4e0a\u9650\uff0c\u57282021\u5e74\uff0c\u4e5f\u662f50\u6b72\u4ee5\u4e0b\u7684\u4e0a\u9650\u662f$6,000\uff0c50\u6b72\u4ee5\u4e0a\u662f$7,000\u3002\u4f46\u662fRoth\u9084\u6709\u500b\u6536\u5165\u4e0a\u9650\u30022021\u5e74\uff0c\u6536\u5165\u4e0a\u9650\u662f$140,000\u3002\u9019\u61c9\u8a72\u4e5f\u7b97\u5408\u7406\u5427\uff0c\u6bd4\u8f03\u6536\u5165\u9ad8\u7684\u8a71\uff0c\u660e\u986f\u50b3\u7d71IRA\u66f4\u5212\u7b97\u3002\u548c\u50b3\u7d71IRA\u4e00\u6a23\uff0c\u5982\u679c\u572860\u6b72\u4e4b\u524d\u53d6\u9322\uff0c\u6703\u6709\u7f70\u6b3e\u3002\u4f46\u662f\u6c92\u670972\u6b72\u5f8c\u5fc5\u9808\u958b\u59cb\u53d6\u9322\u7684\u898f\u5b9a\uff0c\u5927\u6982\u56e0\u70ba\u7a05\u65e9\u5c31\u6263\u904e\u4e86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Social Security \uff08\u793e\u6703\u4fdd\u96aa\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u81f3\u65bc\u793e\u6703\u4fdd\u96aa\uff0c\u56e0\u70ba\u662f\u50cf\u7a05\u4e00\u6a23\u5f9e\u5de5\u8cc7\u76f4\u63a5\u6263\u9664\u7684\uff0c\u6c92\u6709\u5b58\u4e0d\u5b58\uff0c\u5b58\u591a\u5c11\u7684\u7169\u60f1\uff0c\u6240\u4ee5\u8981\u8003\u616e\u7684\u53ea\u662f\u751a\u9ebc\u6642\u5019\u62ff\u3002\u4e00\u53e5\u8a71\u7e3d\u7d50\u5c31\u662f\uff0c\u9664\u975e\u89ba\u5f97\u81ea\u5df1\u6703\u77ed\u547d\uff0c\u5426\u5247\u4e0d\u8981\u63d0\u524d\u62ff\u3002\u793e\u6703\u4fdd\u96aa\u6700\u65e9\u53ef\u4ee5\u5f9e62\u6b72\u958b\u59cb\u62ff\uff0c\u4f46\u662f70\u6b72\u958b\u59cb\u62ff\u624d\u80fd\u7372\u5f97\u5168\u984d\u3002\u66f8\u88e1\u8209\u4e86\u500b\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0158.jpg?ssl=1\"><img data-recalc-dims=\"1\" decoding=\"async\" data-attachment-id=\"1757\" data-permalink=\"https:\/\/www.shutingg.net\/blog\/2021\/10\/23\/1755\/img_0158\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0158.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"1\" data-image-meta=\"[]\" data-image-title=\"Social Security Example\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Social Security Example&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0158.jpg?fit=1024%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0158.jpg?w=900&#038;ssl=1\" alt=\"\" class=\"wp-image-1757\"\/><\/a><figcaption>Social Security Example<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u5728\u7f8e\u570b\u4ea4\u904e\u793e\u4fdd\u7a05\uff0c\u53ef\u4ee5\u767b\u9678\u793e\u4fdd\u7684\u653f\u5e9c\u7db2\u7ad9\uff08<a href=\"https:\/\/www.ssa.gov\/benefits\/retirement\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.ssa.gov\/benefits\/retirement\/<\/a>\uff09\u770b\u770b\u81ea\u5df1\u9000\u4f11\u80fd\u62ff\u591a\u5c11\u9322\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u9078\u64c7\u6295\u8cc7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7121\u8ad6\u662f401K\u9084\u662fIRA\uff0c\u9084\u662f\u81ea\u5df1\u7684\u6295\u8cc7\u5e33\u6236\uff0c\u90fd\u8981\u8003\u616e\u540c\u4e00\u500b\u554f\u984c\uff1a\u5982\u4f55\u9078\u64c7\u6295\u8cc7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c0d\u65bc\u7d55\u5927\u591a\u6578\u4eba\uff0c\u6700\u597d\u7684\u9078\u64c7\u662flow fee index fund\uff0c\u4e5f\u5c31\u662f\u4f4e\u6536\u8cbb\u7684\u6307\u6578\u57fa\u91d1\u3002\u9019\u662f\u56e0\u70ba\uff0c\u7f8e\u570b\u548c\u4e16\u754c\u7684\u7d93\u6fdf\uff0c\u9577\u671f\u770b\u7e3d\u662f\u5728\u589e\u9577\u7684\u3002\u91d1\u878d\u5371\u6a5f\u53ea\u662f\u4e00\u5169\u5e74\u7684\u4e8b\u4ef6\uff0c\u5f9e\u5e7e\u5341\u5e74\u7684\u5e45\u5ea6\u770b\uff0c\u7f8e\u570b\u7d93\u6fdf\u7e3d\u5728\u589e\u9577\uff0c\u80a1\u7968\u4e5f\u7e3d\u5728\u4e0a\u6f32\u3002\u4f8b\u5982\uff0c2008\u5e74\u7684\u91d1\u878d\u5371\u6a5f\u5c0e\u81f4\u80a1\u5e02\u5728\u4e4b\u5f8c\u5169\u5e74\u8dcc\u5f97\u5f88\u6158\uff0c\u73fe\u5728\u537b\u65e9\u5df2\u88dc\u4e86\u56de\u4f86\uff0c\u4e26\u4e14\u6500\u4e0a\u65b0\u7684\u9ad8\u5cf0\u3002\u56e0\u6b64\uff0c\u53ea\u8981\u8ddf\u8457\u6307\u6578\u8d70\uff0c\u9577\u9060\u4f86\u8aaa\u5c31\u662f\u7a69\u8cfa\u3002\u5927\u591a\u6578\u7684\u4e3b\u52d5\u9078\u64c7\u6295\u8cc7\u7d44\u5408\u7684\u57fa\u91d1\uff0c\u8868\u73fe\u9084\u4e0d\u5982\u6307\u6578\u57fa\u91d1\u3002\u52a0\u4e0a\u6307\u6578\u57fa\u91d1\u7684\u6536\u8cbb\u4f4e\uff0c\u800c\u9019\u6536\u8cbb\u5f71\u97ff\u7684\u662f\u8907\u5229\uff0c\u7576\u7136\u662f\u88ab\u52d5\u9078\u64c7\u6295\u8cc7\u7684\u6307\u6578\u57fa\u91d1\u6536\u8cbb\u66f4\u4f4e\uff0c\u66f4\u5212\u7b97\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u66f8\u88e1\u5efa\u8b70\u76f4\u63a5\u5f9eVanguard\u8cb7index fund\u3002\u6211\u7528\u8d77\u4f86\u611f\u89ba\u4e0d\u932f\uff0c\u6536\u8cbb\u4f4e\uff0c\u800c\u4e14\u76e4\u90fd\u633a\u5927\u7684\uff0c\u6b77\u53f2\u4e5f\u4e45\u9060\uff0c\u770b\u8457\u5c31\u5f88\u9760\u8b5c\u3002\u53e6\u5916\uff0c\u6211\u5efa\u8b70\u9078\u64c7\u57fa\u91d1\u7684\u6642\u5019\uff0c\u5148\u53bb<a href=\"https:\/\/www.morningstar.com\" target=\"_blank\" rel=\"noreferrer noopener\">morning star<\/a>\u770b\u770b\u57fa\u91d1\u7684\u8a55\u5206\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u7d66\u9000\u4f11\u91d1\u9078\u57fa\u91d1\u7684\u6642\u5019\uff0c\u6709\u4e00\u500b\u6d41\u884c\u7684\u5efa\u8b70\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>&#8220;Your allocation in stocks should be 100  minus your age.&#8221;<\/p><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u5176\u5be6\u4e0d\u53ef\u80fd\u5c0d\u6bcf\u500b\u4eba\u90fd\u9069\u7528\uff0c\u4f46\u5176\u4e2d\u5fc3\u601d\u60f3\u662f\u503c\u5f97\u501f\u9451\u7684\u2014\u2014\u5e74\u7d00\u8d8a\u5927\uff0c\u53ef\u627f\u53d7\u7684\u98a8\u96aa\u8d8a\u5c0f\uff0c\u6295\u8cc7\u6bd4\u4f8b\u4e2d\u80a1\u7968\u5c31\u8981\u5360\u8d8a\u5c11\u7684\u4efd\u984d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7e3d\u4e4b\uff0c\u6bcf\u500b\u4eba\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u627f\u53d7\u98a8\u96aa\u7684\u80fd\u529b\uff0c\u9700\u8981\u9322\u7684\u9810\u671f\u6642\u9593\u5b9a\u4e0b\u80a1\u7968\u548c\u50b5\u5238\u7684\u6295\u8cc7\u6bd4\u4f8b\uff0c\u4f46\u5169\u8005\u90fd\u61c9\u8a72\u653e\u5728\u6307\u6578\u57fa\u91d1\u88e1\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6307\u6578\u57fa\u91d1\uff0c\u5927\u591a\u8ddf\u96a8 Barclays U.S. Aggregate Bond Index.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9a\u4e0b\u6295\u8cc7\u6bd4\u4f8b\u5f8c\uff0c\u4e0d\u8981\u5fd8\u4e86\u96a8\u8457\u4e8b\u4ef6\u8b8a\u5316\uff0c\u500b\u4eba\u60c5\u6cc1\u8b8a\u5316\uff0c\u6bcf\u5e74\u9700\u8981\u770b\u4e00\u770b\uff0c\u9700\u4e0d\u9700\u8981\u8abf\u6574\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e4b\u6240\u4ee5\u662f\u6bcf\u5e74\u800c\u4e0d\u662f\u6bcf\u5929\uff0c\u662f\u56e0\u70ba\u4e00\u822c\u6295\u8cc7\u8005\u592a\u5bb9\u6613\u96a8\u6ce2\u9010\u6d41\uff0c\u53d7\u77ed\u671f\u6ce2\u52d5\u5f71\u97ff\u4e86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u623f\u5b50<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u4e9b\u4eba\u628a\u623f\u5b50\u4e5f\u7576\u4f5c\u4e00\u9805\u6295\u8cc7\uff0c\u6709\u4e9b\u4eba\u537b\u628a\u5b83\u770b\u505a\u4e00\u9805\u8ca0\u64d4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u66f8\u88e1\u7684\u5efa\u8b70\u662f\uff0c\u623f\u5b50\u7684\u50f9\u683c\u61c9\u8a72\u5728\u5e74\u6536\u5165\u76842.5\u500d\uff0c\u80fd\u5920\u5168\u6b3e\u8cb7\u5c31\u5168\u6b3e\u3002\u96d6\u7136\u623f\u8cb8\u5229\u606f\u53ef\u4ee5\u62b5\u7a05\uff0c\u4f46\u662f\u9019\u53ea\u662f\u62b5\u6d88\u4e86\u591a\u5c11\u5229\u606f\uff0c\u800c\u5229\u606f\uff0c\u90fd\u662f\u7d66\u9280\u884c\u4ea4\u7684\u591a\u9918\u7684\u9322\u3002\u7576\u7136\u4e86\uff0c\u9ad8\u6536\u5165\u6a94\u7684\u4eba\uff0c\u5728\u9019\u65b9\u9762\u6bd4\u4f4e\u6536\u5165\u6a94\u7684\u4eba\u5212\u7b97\uff0c\u56e0\u70ba\u9019\u500b\u62b5\u7a05\uff0c\u53ef\u80fd\u8b93\u7a05\u7387\u964d\u4e0b\u4f86\u4e00\u4e9b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u5f8c\uff0c\u95dc\u65bc\u6295\u8cc7\uff0c\u662f\u53ef\u4ee5\u627e\u5c08\u696d\u4eba\u58eb\uff08financial planners\uff09\u5efa\u8b70\u7684\u3002\u4f46\u662f\u9700\u8981\u6ce8\u610f\uff0cfinancial planners \u61c9\u8a72\u662ffee-only\u7684\uff0c\u4e5f\u5c31\u662f\u8aaa\u4ed6\u5011\u7684\u6536\u5165\u662f\u670d\u52d9\u8cbb\uff0c\u800c\u4e0d\u662f\u67d0\u4e9b\u57fa\u91d1\u7684\u4f63\u91d1\u3002\u53ea\u6709\u4fdd\u8b49\u4e86\u6c92\u6709\u5229\u76ca\u885d\u7a81\uff0c\u4ed6\u5011\u7684\u5efa\u8b70\u624d\u53ef\u4fe1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u66f4\u591a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u9700\u8981\u4e86\u89e3\u66f4\u591a\uff0c\u66f8\u88e1\u9084\u5efa\u8b70\u4e86\u4e00\u4e9b\u7db2\u7ad9\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noreferrer noopener\" href=\"http:\/\/aarp.org\" data-type=\"URL\" data-id=\"aarp.org\" target=\"_blank\">aarp.org<\/a>\uff1a\u9000\u4f11\u8a08\u756b\u8a08\u7b97\uff0c\u793e\u4fdd\u6536\u76ca\u8a08\u7b97\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noreferrer noopener\" href=\"http:\/\/moneyover55.about.com\" target=\"_blank\">moneyover55.about.com<\/a>\uff1a\u4e00\u500b\u6309\u670d\u52d9\u6536\u8cbb\u7684\u7406\u8ca1\u898f\u5283\u5e2b\u7684\u535a\u5ba2\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noreferrer noopener\" href=\"http:\/\/wiseradvisor.com\" target=\"_blank\">wiseradvisor.com<\/a>\uff1a\u627e\u7406\u8ca1\u898f\u5283\u5e2b\u7684\u7db2\u7ad9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noreferrer noopener\" href=\"http:\/\/dinkytown.net\" data-type=\"URL\" data-id=\"http:\/\/dinkytown.net\" target=\"_blank\">dinkytown.net<\/a>\uff1a\u6bd4\u8f03\u6295\u8cc7\u8cbb\u7528\uff0c\u4f8b\u5982\u5171\u540c\u57fa\u91d1\u548c\u6307\u6578\u57fa\u91d1\u7684\u6bd4\u8f03\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u611f\u60f3<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u66fe\u7d93\uff0c\u6211\u89ba\u5f97\u6211\u9084\u5e74\u8f15\uff0c\u90fd\u4e0d\u77e5\u9053\u80fd\u4e0d\u80fd\u6d3b\u5230\u9000\u4f11\u3002\u66fe\u7d93\uff0c\u6211\u89ba\u5f97\u65b0\u7684\u91d1\u878d\u5371\u6a5f\u5373\u5c07\u4f86\u81e8\uff0c\u9084\u662f\u73fe\u91d1\u4fdd\u96aa\u3002\u65bc\u662f\u6211\u932f\u904e\u4e86\u50f1\u4e3b\u767d\u7d66\u7684\u9322\uff0c\u932f\u904e\u4e86\u80a1\u5e02\u589e\u9577\u7684\u6536\u76ca\u3002\u73fe\u5728\u56de\u60f3\uff0c\u66f8\u88e1\u7684\u90a3\u4e9b\u5efa\u8b70\uff0c\u90fd\u662f\u771f\u91d1\u767d\u9280\u7684\u6559\u8a13\u3002\u9084\u597d\u6211\u89ba\u609f\u5f97\u4e0d\u7b97\u665a\uff0c\u9084\u6709\u5e7e\u5341\u5e74\u4eab\u53d7\u6295\u8cc7\u8907\u5229\u3002\u96d6\u7136\u6211\u73fe\u5728\u4f9d\u7136\u4e0d\u77e5\u9053\u81ea\u5df1\u4ec0\u9ebc\u6642\u5019\u6703\u639b\u6389\uff0c\u4e0d\u77e5\u9053\u4e0b\u4e00\u500b\u91d1\u878d\u5371\u6a5f\u4f55\u6642\u4f86\u81e8\uff0c\u4f46\u6211\u73fe\u5728\u6536\u5165\u4e5f\u589e\u9577\u4e86\uff0c\u6709\u80fd\u529b\u5728\u4fdd\u8b49\u751f\u6d3b\u8cea\u91cf\u7684\u524d\u63d0\u4e0b\u5b58\u66f4\u591a\u7684\u9322\u3002\u800c\u628a\u9322\u5b58\u9280\u884c\uff0c\u6216\u8005\u6295\u8cc7\u9ad8\u98a8\u96aa\u7684\u500b\u80a1\uff0c\u6295\u8cc7\u6307\u6578\u57fa\u91d1\uff0c\u5b58401K\u548cIRA\uff0c\u771f\u7684\u662f\u4fdd\u96aa\u5f97\u591a\u7684\u6295\u8cc7\u4e86\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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<\/p>\n","protected":false},"author":1,"featured_media":1756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"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","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":[5,4],"tags":[52,17,379,192],"class_list":["post-1755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-2","category-4","tag-books","tag-life","tag-retirement","tag-us"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shutingg.net\/blog\/wp-content\/uploads\/2021\/10\/IMG_0157.jpg?fit=%2C&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p1w1qi-sj","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":1526,"url":"https:\/\/www.shutingg.net\/blog\/2019\/12\/27\/1526\/","url_meta":{"origin":1755,"position":0},"title":"\u7f8e\u56fd\u804c\u573a\u5341\u5e74","author":"Charlotte Guan","date":"December 27, 2019","format":false,"excerpt":"\u6765\u7f8e\u56fd\u5de5\u4f5c\u4e86\u5341\u5e74\u3002\u5443\uff0c\u6ca1\u6709\u5341\u5e74\uff0c\u56e0\u4e3a\u6211\u5728\u6ee1\u5341\u5e74\u524d\u7684\u4e24\u4e2a\u6708\u8f9e\u804c\u4e86\u3002\u5ffd\u7136\u60f3\u5199\u4e00\u4e0b\u7f8e\u56fd\u7684\u804c\u573a\u6587\u5316\u3002\u867d\u7136\u6211\u6ca1\u6709\u5728\u4e2d\u56fd\u7684\u5de5\u4f5c\u7ecf\u9a8c\u505a\u5bf9\u6bd4\uff0c\u867d\u7136\u6211\u53ea\u662f\u66fe\u53d7\u96c7\u4e8e\u4e24\u5bb6\u516c\u53f8\u3001\u4e24\u4e2a\u884c\u4e1a\u3001\u4e00\u4e2a\u804c\u4e1a\uff0c\u4f46\u6709\u4ec0\u4e48\u5173\u7cfb\u5462\uff1f\u5c31\u7528\u8fd9\u7bc7\u6587\u7ae0\u4f5c\u4e3a\u6211\u7684\u5341\u5e74\u804c\u573a\u7eaa\u5ff5\u5427\u3002","rel":"","context":"In 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