{"id":11538,"date":"2021-12-06T09:00:00","date_gmt":"2021-12-06T01:00:00","guid":{"rendered":"https:\/\/www.ileolife.com\/?p=11538"},"modified":"2021-12-15T16:52:56","modified_gmt":"2021-12-15T08:52:56","slug":"%e9%9d%a0%e9%80%99-7-%e7%a8%ae%e5%84%aa%e5%8b%a2%ef%bc%8c%e6%8c%87%e6%95%b8%e5%9e%8b%e5%9f%ba%e9%87%91%e8%83%bd%e8%b4%8f%e4%b8%8b-80-%e4%bb%a5%e4%b8%8a%e7%9a%84%e5%b8%82%e5%a0%b4","status":"publish","type":"post","link":"https:\/\/www.ileolife.com\/?p=11538","title":{"rendered":"\u9760\u9019 7 \u7a2e\u512a\u52e2\uff0c\u6307\u6578\u578b\u57fa\u91d1\u80fd\u8d0f\u4e0b 80% \u4ee5\u4e0a\u7684\u5e02\u5834"},"content":{"rendered":"\t\t
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\u6839\u64da\u6ce2\u58eb\u9813\u7684 Dalbar, Inc. <\/span>\u7684\u8cc7\u6599\u986f\u793a\uff0c\u5f9e 1993 <\/span>\u5e74\u5230 2012 <\/span>\u5e74\uff0c\u6a19\u6e96\u666e\u723e\n500 <\/span>\u6307\u6578\u5e73\u5747\u6bcf\u5e74\u4e0a\u6f32 8.21%<\/span>\u3002\u7136\u800c\uff0c\u5728\u76f8\u540c\u7684 20 <\/span>\u5e74\u671f\u9593\u7576\u4e2d\uff0c\u80a1\u7968\u578b\u57fa\u91d1\u6295\u8cc7\u8005\u7684\u5e73\u5747\u5e74\u5831\u916c\u7387\u50c5\u70ba 4.25%<\/span>\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u5982\u679c\u4e00\u4f4d\u666e\u901a\u7684\u80a1\u7968\u578b\u57fa\u91d1\u6295\u8cc7\u8005\uff0c\u8cfc\u8cb7\u4e86\u4e00\u6a94\u4f4e\u6210\u672c\u7684\u6a19\u6e96\u666e\u723e\n500 <\/span>\u6307\u6578\u57fa\u91d1\uff0c\u4e26\u6301\u6709\u5b83\uff0c\u4ed6\uff0f\u5979\u7684\u5831\u916c\u7387\u5e7e\u4e4e\u6703\u591a\u4e00\u500d\u3002\u7814\u7a76\u767c\u73fe\uff0c\u8868\u73fe\u8f03\u5dee\u7684\u539f\u56e0\u662f\u7531\u65bc\u6295\u8cc7\u8005\u7684\u884c\u70ba\uff0c\u50cf\u662f\u5e02\u5834\u64c7\u6642\u8207\u8ffd\u9010\u71b1\u9580\u57fa\u91d1\u7b49\u884c\u70ba\u3002\u5982\u679c\u9019\u4e9b\u6295\u8cc7\u8005\u662f\u9577\u671f\u3001\u8cb7\u5165\u6301\u6709\u7684\u6295\u8cc7\u8005\uff0c\u90a3\u4ed6\u5011\u7372\u5f97\u7684\u5831\u916c\u7387\u5c07\u6703\u63a5\u8fd1\u5e02\u5834\u5831\u916c\u7387\u3002\u7576\u6295\u8cc7\u8005\u5e73\u5747\u7684\u8868\u73fe\u4f4e\u65bc\u6307\u6578\u9019\u9ebc\u591a\u7684\u6642\u5019\uff0c\u5f88\u660e\u986f\u7684\uff0c\u5927\u591a\u6578\u4eba\u90fd\u662f\u7528\u4e00\u5957\u7cdf\u7cd5\u7684\u6307\u5c0e\u65b9\u91dd\u5728\u73a9\u9b27\uff0c\u6216\u8005\u6839\u672c\u5c31\u6c92\u6709\u6307\u5c0e\u65b9\u91dd\u3002\u4e00\u6b21\u6027\u6295\u8cc7 1 <\/span>\u842c\u7f8e\u5143\u65bc\u5831\u916c\u7387 8% <\/span>\u7684\u6295\u8cc7\uff0c\u8907\u5229\n20 <\/span>\u5e74\u5f8c\u6703\u7d2f\u7a4d\u5230 46,610 <\/span>\u7f8e\u5143\u3002\u540c\u6a23\u7684 1 <\/span>\u842c\u7f8e\u5143\uff0c\u5728\u540c\u4e00\u6bb5\u671f\u9593\u6295\u8cc7\u65bc\u5831\u916c\u7387 4.25% <\/span>\u7684\u6295\u8cc7\uff0c\u8907\u5229\u5f8c\u53ea\u80fd\u7d2f\u7a4d\u5230 22,989 <\/span>\u7f8e\u5143\u3002<\/span><\/o:p><\/span><\/p>

\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u7684\u65e5\u5e38\u751f\u6d3b\u539f\u5247\u4e0d\u9069\u7528\u65bc\u6295\u8cc7\u4e16\u754c\uff0c\u539f\u56e0\u5f88\u7c21\u55ae\uff1a\u80a1\u5e02\u7684\u77ed\u671f\u8868\u73fe\u662f\u96a8\u6a5f\u7684\u3001\u4e0d\u53ef\u9810\u6e2c\u7684\uff0c\u800c\u4e14\u5c0d\u5927\u591a\u6578\u4eba\u4f86\u8aaa\uff0c\u662f\u50b7\u8166\u7b4b\u7684\u3002\u4e0b\u6b21\u4f60\u518d\u807d\u5230\u6709\u4eba\u8aaa\uff0c\u4ed6\uff0f\u5979\u77e5\u9053\u80a1\u7968\u5e02\u5834\u6216\u4efb\u4f55\u80a1\u7968\u5728\u672a\u4f86\u5e7e\u9031\u3001\u5e7e\u500b\u6708\uff0c\u6216\u5e7e\u5e74\u7684\u8d70\u52e2\uff0c\u4f60\u53ef\u4ee5\u78ba\u5b9a\u4ed6\u5011\u8981\u4e0d\u662f\u5728\u8aaa\u8b0a\uff0c\u5c31\u662f\u5728\u81ea\u6211\u5984\u60f3\u3002<\/span><\/o:p><\/span><\/p>

\u7f8e\u570b\u80a1\u5e02\u6709 200 <\/span>\u591a\u5e74\u7684\u6b77\u53f2\uff0c\u4e14\u9577\u671f\u7684\u8da8\u52e2\u662f\u4e0a\u5347\u7684\u3002\u5f9e\u9577\u671f\u4f86\u770b\uff0c\u80a1\u5e02\u7684\u8868\u73fe\u4e00\u76f4\u76f8\u7576\u4e00\u81f4\u3002\u5728\u4efb\u4e00\u6bb5 50 <\/span>\u5e74\u7684\u671f\u9593\u7576\u4e2d\uff0c\u5b83\u5728\u6263\u9664\u901a\u8ca8\u81a8\u8139\u7387\u4e4b\u5f8c\uff0c\u6bcf\u5e74\u63d0\u4f9b\u4e86 5% <\/span>\u5230 7% <\/span>\u7684\u5e73\u5747\u5831\u916c\u7387\u3002\u9019\u610f\u5473\u8457\uff0c\u5982\u679c\u4f60\u6295\u8cc7\u65bc\u5145\u5206\u5206\u6563\u98a8\u96aa\u7684\u4e00\u7c43\u5b50\u80a1\u7968\uff0c\u4e14\u4e0d\u53bb\u7406\u6703\u5b83\u5011\uff0c\u90a3\u4f60\u7684\u6295\u8cc7\u7684\u8cfc\u8cb7\u529b\u5927\u7d04\u6bcf 12 <\/span>\u5e74\u5c31\u6703\u589e\u52a0\u4e00\u500d\u3002<\/span><\/o:p><\/span><\/p>

\n\n\n\n\n\n<\/p>

\u96d6\u7136\u9577\u671f\u7684\u5831\u916c\u7387\u76f8\u7576\u4e00\u81f4\uff0c\u4f46\u662f\u77ed\u671f\u7684\u5831\u916c\u7387\u537b\u6ce2\u52d5\u5f88\u5927\u3002\u5f9e\u9577\u671f\u4f86\u770b\uff0c\u80a1\u7968\u63d0\u4f9b\u4e86\u6240\u6709\u6295\u8cc7\u4e2d\u6700\u9ad8\u7684\u6f5b\u5728\u5831\u916c\u7387\uff0c\u4f46\u5c0d\u65bc\u90a3\u4e9b\u4e0d\u4e86\u89e3\u5e02\u5834\u3001\u7f3a\u4e4f\u5065\u5168\u7684\u6295\u8cc7\u8a08\u756b\u80fd\u61c9\u5c0d\u5e02\u5834\u7684\u4eba\u4f86\u8aaa\uff0c\u77ed\u671f\u7684\u5927\u8d77\u5927\u843d\u884c\u60c5\u53ef\u80fd\u662f\u4e00\u5834\u60e1\u5922\u30021990 <\/span>\u5e74\u4ee3\u662f\u80a1\u5e02\u7684\u8f1d\u714c\u6b72\u6708\uff0c\u4f46 1930 <\/span>\u5e74\u4ee3\u5247\u662f\u4e00\u5834\u707d\u96e3\u3002<\/span><\/o:p><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\u6307\u6578\u5316\u6295\u8cc7<\/span><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\u6307\u6578\u5316\u6295\u8cc7\u662f\u83ef\u7279\uff0e\u7c73\u5824\uff08Walter\nMitty<\/span>\uff1b\u7de8\u6309\uff1a\u4ed6\u662f\u96fb\u5f71\u300a\u767d\u65e5\u5922\u5192\u96aa\u738b\u300b\u4e2d\u7684\u4e3b\u89d2\uff09\u6703\u559c\u6b61\u7684\u4e00\u7a2e\u6295\u8cc7\u7b56\u7565\u3002\u5b83\u53ea\u9700\u8981\u5f88\u5c11\u7684\u6295\u8cc7\u77e5\u8b58\u3001\u4e0d\u9700\u8981\u6280\u5de7\u3001\u5e7e\u4e4e\u4e0d\u9700\u8981\u6642\u9593\u548c\u52aa\u529b\u2014<\/span>\u800c\u4e14\u8868\u73fe\u512a\u65bc 80% <\/span>\u7684\u6295\u8cc7\u8005\u3002\u5b83\u53ef\u4ee5\u5728\u4f60\u7684\u5132\u84c4\u81ea\u52d5\u8907\u5229\u7684\u540c\u6642\uff0c\u8b93\u4f60\u628a\u6642\u9593\u82b1\u5728\u5de5\u4f5c\u3001\u73a9\u6a02\u6216\u505a\u5176\u4ed6\u4efb\u4f55\u4e8b\u60c5\u4e0a\u3002\u5b83\u7684\u56f0\u96e3\u7a0b\u5ea6\u5c31\u8ddf\u547c\u5438\u4e00\u6a23\uff0c\u8017\u6642\u7a0b\u5ea6\u5c31\u8ddf\u6bcf\u5e74\u53bb\u4e00\u6b21\u901f\u98df\u5e97\u4e00\u6a23\u3002<\/span><\/o:p><\/span><\/p>

\n\n<\/p>

\u7b56\u7565\u7684\u6838\u5fc3\u662f\uff1a\u8207\u5176\u50f1\u7528\u5c08\u5bb6\uff0c\u6216\u82b1\u8cbb\u5927\u91cf\u6642\u9593\u6c7a\u5b9a\u54ea\u4e9b\u80a1\u7968\u3001\u6216\u4e3b\u52d5\u5f0f\u7ba1\u7406\u7684\u57fa\u91d1\u53ef\u80fd\u6703\u8868\u73fe\u6700\u597d\uff0c\u4e0d\u5982\u76f4\u63a5\u6295\u8cc7\u6307\u6578\u578b\u57fa\u91d1\uff0c\u7136\u5f8c\u5fd8\u4e86\u9019\u4ef6\u4e8b\uff01\u6b63\u5982\u6211\u5011\u5728\u7b2c\u56db\u7ae0\u4e2d\u6240\u8a0e\u8ad6\uff0c\u6307\u6578\u578b\u57fa\u91d1\u8a66\u5716\u8ddf\u5b83\u60f3\u8907\u88fd\u7684\u5e02\u5834\u9818\u57df\u7684\u5831\u916c\u7387\u4e00\u81f4\uff0c\u4f46\u53ea\u6e1b\u53bb\u975e\u5e38\u5c0f\u7684\u7ba1\u7406\u8cbb\u3002\u4f8b\u5982\uff0c\u9818\u822a\u96c6\u5718\u7684\u9818\u822a 500 <\/span>\u6307\u6578\uff0c\u8a66\u5716\u8907\u88fd\u6a19\u6e96\u666e\u723e 500 <\/span>\u6307\u6578\u7684\u5831\u916c\u7387\uff1b\u6574\u9ad4\u80a1\u7968\u5e02\u5834\u6307\u6578\u57fa\u91d1\uff0c\u8a66\u5716\u8907\u88fd\u6574\u9ad4\u7bc4\u570d\u7684\u7f8e\u570b\u80a1\u7968\u5e02\u5834\u6307\u6578\uff1b\u6574\u9ad4\u570b\u969b\u80a1\u7968\u6307\u6578\u57fa\u91d1\uff0c\u5247\u8a66\u5716\u8907\u88fd\u5ee3\u6cdb\u8de8\u5340\u57df\u7684\u570b\u969b\u80a1\u7968\u7684\u5831\u916c\u7387\u3002\u9664\u4e86\u80a1\u7968\u6307\u6578\u57fa\u91d1\uff0c\u9084\u6709\u8a66\u5716\u8907\u88fd\u5404\u7a2e\u50b5\u5238\u6307\u6578\u8868\u73fe\u7684\u50b5\u5238\u6307\u6578\u57fa\u91d1\u3002\u53e6\u5916\uff0c\u9084\u6709\u6301\u6709\u5404\u7a2e\u80a1\u7968\u8207\u50b5\u5238\u6307\u6578\u57fa\u91d1\u7d44\u5408\u7684\u6307\u6578\u7d44\u5408\u578b\u57fa\u91d1\u3002<\/span><\/o:p><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
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\u70ba\u4ec0\u9ebc\u6307\u6578\u578b\u57fa\u91d1\u80fd\u8d0f\uff1f<\/span><\/b>
<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

\u6307\u6578\u578b\u57fa\u91d1\u7684\u9577\u671f\u8868\u73fe\u512a\u65bc\u5927\u7d0480% <\/span>\u7684\u4e3b\u52d5\u5f0f\u7ba1\u7406\u57fa\u91d1\u3002\u5b83\u5011\u80fd\u505a\u5230\u7684\u539f\u56e0\u5f88\u7c21\u55ae\uff1a\u6700\u4f4e\u6210\u672c\u3002\u5728\u4e00\u500b\u96a8\u6a5f\u7684\u5e02\u5834\u4e2d\uff0c\u6211\u5011\u4e0d\u77e5\u9053\u672a\u4f86\u7684\u5831\u916c\u7387\u662f\u591a\u5c11\u3002\u7136\u800c\uff0c\u6211\u5011\u77e5\u9053\uff0c\u4fdd\u6301\u4f4e\u6210\u672c\u7684\u6295\u8cc7\u8005\uff0c\u5c07\u6703\u6bd4\u4e0d\u4fdd\u6301\u4f4e\u6210\u672c\u7684\u6295\u8cc7\u8005\u7372\u5f97\u66f4\u9ad8\u7684\u5831\u916c\u7387\u3002\u9019\u5c31\u662f\u6307\u6578\u6295\u8cc7\u8005\u7684\u512a\u52e2\u3002\u66f4\u5177\u9ad4\u7684\u8aaa\uff0c\u4ee5\u4e0b\u662f\u6307\u6578\u7684\u6210\u672c\u8207\u5176\u4ed6\u512a\u52e2\uff1a<\/span><\/o:p><\/span><\/p>

\n\n

1.  \n<\/span><\/span>\u6c92\u6709\u92b7\u552e\u4f63\u91d1\u3002<\/span><\/o:p><\/span><\/p>\n\n

2.  \n<\/span><\/span>\u71df\u904b\u8cbb\u7528\u4f4e\u3002<\/span><\/o:p><\/span><\/p>\n\n

3.  \n<\/span><\/span>\u8a31\u591a\u6307\u6578\u578b\u57fa\u91d1\u90fd\u5177\u6709\u7a05\u52d9\u6548\u7387\u3002<\/span><\/o:p><\/span><\/p>\n\n

4.  \n<\/span><\/span>\u4f60\u4e0d\u9700\u8981\u50f1\u7528\u8cc7\u7522\u7ba1\u7406\u8005\u3002<\/span><\/o:p><\/span><\/p>\n\n

5.  \n<\/span><\/span>\u6307\u6578\u578b\u57fa\u91d1\u662f\u9ad8\u5ea6\u5206\u6563\u6295\u8cc7\u4e14\u4f4e\u98a8\u96aa\u7684\u3002<\/span><\/o:p><\/span><\/p>\n\n

6.  \n<\/span><\/span>\u8ab0\u4f86\u7ba1\u7406\u9019\u6a94\u57fa\u91d1\u4e26\u4e0d\u91cd\u8981\u3002<\/span><\/o:p><\/span><\/p>\n\n

7.  \n<\/span><\/span>\u6295\u8cc7\u98a8\u683c\u8f49\u79fb\u8207\u8ffd\u8e64\u8aa4\u5dee\u4e0d\u662f\u554f\u984c\u3002<\/span><\/o:p><\/span><\/p>\n\n<\/div>

\n\n\n\n\u8b93\u6211\u5011\u66f4\u8a73\u7d30\u7684\u770b\u770b\u9019\u4e9b\u512a\u9ede\u5427\u3002<\/span>
<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
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1.<\/span><\/b>\u6c92\u6709\u92b7\u552e\u4f63\u91d1<\/span><\/b><\/o:p><\/span><\/b><\/h2>

\n\n<\/p>

\u5f9e\u7d93\u7d00\u4eba\u90a3\u88e1\u8cfc\u8cb7\u6536\u53d6\u92b7\u552e\u624b\u7e8c\u8cbb\u7684\u57fa\u91d1\uff0c\u901a\u5e38\u4ee3\u8868\u8981\u6536\u53d64% <\/span>\u52306% <\/span>\u7684\u92b7\u552e\u8cbb\u7528\u3002\u90a3\u7b46\u9322\u6703\u76f4\u63a5\u9032\u5165\u7d93\u7d00\u5546\u7684\u53e3\u888b\uff0c\u800c\u4e0d\u662f\u9032\u5165\u4f60\u7684\u5e33\u6236\u4e2d\u904b\u4f5c\u3002\u4f60\u7684\u9322\u5728\u6295\u8cc7\u4e4b\u524d\u5148\u88ab\u526a\u4e86\u500b\u6f02\u4eae\u7684\u9aee\u578b\u3002\u6709\u4e86\u7121\u92b7\u552e\u624b\u7e8c\u8cbb\u7684\u6307\u6578\u578b\u57fa\u91d1\uff0c\u4f60\u6240\u6709\u7684\u9322\u90fd\u80fd\u70ba\u4f60\u6548\u52de\u3002\u7576\u7136\uff0c\u7d93\u7d00\u4eba\u53ef\u80fd\u6703\u544a\u8a34\u4f60\uff0c\u4ed6\u6216\u5979\u7684\u57fa\u91d1\u662f\u7531\u696d\u5167\u4e00\u4e9b\u9802\u7d1a\u7684\u5c08\u696d\u4eba\u58eb\u6240\u7ba1\u7406\uff0c\u56e0\u6b64\u4f60\u662f\u70ba\u4ed6\u5011\u6709\u667a\u6167\u7684\u5efa\u8b70\u8207\u6307\u5c0e\u4ed8\u8cbb\u3002\u7136\u800c\uff0c\u7814\u7a76\u8868\u660e\uff0c\u6536\u53d6\u92b7\u552e\u624b\u7e8c\u8cbb\u7684\u57fa\u91d1\uff0c\u8868\u73fe\u4e26\u6c92\u6709\u6bd4\u7121\u92b7\u552e\u624b\u7e8c\u8cbb\u7684\u57fa\u91d1\u66f4\u597d\u3002\u5982\u679c\u6e1b\u53bb\u4f63\u91d1\u6210\u672c\uff0c\u5b83\u5011\u7684\u8868\u73fe\u751a\u81f3\u66f4\u7cdf\u3002\u6bd4\u8f03\u6709\u53ef\u80fd\u7684\u662f\uff0c\u4f60\u662f\u5728\u70ba\u7d93\u7d00\u4eba\u7684\u8cd3\u58eb\u4ed8\u9322\u3002<\/span><\/o:p><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

2.<\/span><\/b>\u71df\u904b\u8cbb\u7528\u4f4e<\/span><\/b><\/o:p><\/span><\/b><\/h2>

\u4e3b\u52d5\u5f0f\u7ba1\u7406\u57fa\u91d1\u901a\u5e38\u6bcf\u5e74\u7684\u8cbb\u7528\u6bd4\u7387\u70ba1% <\/span>\u52302%<\/span>\u3002\u4e5f\u5c31\u662f\u8aaa\uff0c\u6bcf\u5e74\u6703\u5f9e\u4f60\u7684\u6295\u8cc7\u9918\u984d\u4e2d\u6263\u96641% <\/span>\u52302%<\/span>\uff0c\u7528\u4f86\u652f\u4ed8\u57fa\u91d1\u7d93\u7406\u4eba\u548c\u57fa\u91d1\u71df\u904b\u7684\u5176\u4ed6\u8cbb\u7528\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u7ba1\u7406\u6307\u6578\u578b\u57fa\u91d1\u975e\u5e38\u4fbf\u5b9c\u548c\u5bb9\u6613\u3002\u6c92\u6709\u4eba\u9700\u8981\u6c7a\u5b9a\u8cfc\u8cb7\u6216\u51fa\u552e\u54ea\u4e9b\u57fa\u91d1\uff0c\u4ee5\u53ca\u4f55\u6642\u8a72\u8cfc\u8cb7\u6216\u51fa\u552e\u5b83\u5011\u3002\u7ba1\u7406\u8005\u53ea\u9700\u8907\u88fd\u6307\u6578\u3002\u5728\u96fb\u8166\u7684\u5e6b\u52a9\u4e0b\uff0c\u5b83\u5f88\u5bb9\u6613\u7ba1\u7406\u3002\u56e0\u6b64\uff0c\u5927\u591a\u6578\u6307\u6578\u578b\u57fa\u91d1\u7684\u8cbb\u7528\u6bd4\u7387\u9060\u4f4e\u65bc0.5%<\/span>\uff0c\u8a31\u591a\u6307\u6578\u578b\u57fa\u91d1\u7684\u8cbb\u7528\u6bd4\u7387\u70ba0.2%<\/span>\uff0c\u6216\u751a\u81f3\u66f4\u4f4e\u3002\u5982\u679c\u4f60\u4e0d\u8a8d\u70ba\u9019\u4e9b\u5fae\u5c0f\u7684\u6210\u672c\u5f88\u91cd\u8981\uff0c\u90a3\u9ebc\u60f3\u60f3\u4ee5\u4e0b\u60c5\u6cc1\uff1a\u5047\u8a2d\u6709\u4eba\u6295\u8cc71 <\/span>\u842c\u7f8e\u5143\u65bc\u4e00\u6a94\u5171\u540c\u57fa\u91d1\uff0c\u6295\u8cc7\u671f\u959320 <\/span>\u5e74\uff0c\u5e73\u5747\u5e74\u5831\u916c\u7387\u70ba10%<\/span>\u3002\u5982\u679c\u9019\u6a94\u57fa\u91d1\u7684\u8cbb\u7528\u6bd4\u7387\u70ba1.5%<\/span>\uff0c\u90a3\u9ebc20 <\/span>\u5e74\u5f8c\u9019\u7b46\u6295\u8cc7\u7684\u50f9\u503c\u70ba49,725 <\/span>\u7f8e\u5143\u3002\u7136\u800c\uff0c\u5982\u679c\u9019\u6a94\u57fa\u91d1\u7684\u8cbb\u7528\u6bd4\u7387\u70ba0.5%<\/span>\uff0c\u90a3\u9ebc20 <\/span>\u5e74\u5f8c\u5b83\u5c07\u50f9\u503c60,858<\/span>\u7f8e\u5143\u3002\u7d93\u904e20 <\/span>\u5e74\u7684\u8907\u5229\uff0c\u50c5\u50c51% <\/span>\u7684\u8cbb\u7528\u5dee\u7570\u5c31\u6703\u7522\u751f18% <\/span>\u7684\u5831\u916c\u7387\u5dee\u8ddd\u3002<\/span><\/o:p><\/span><\/p>

<\/a>3.<\/span><\/b>\u7a05\u52d9\u6548\u7387\u9ad8<\/span><\/b><\/o:p><\/span><\/b><\/h2>

\u6bcf\u7576\u4e3b\u52d5\u578b\u57fa\u91d1\u8ce3\u51fa\u4e00\u6a94\u6709\u8cfa\u9322\u7684\u80a1\u7968\uff0c\u5c31\u6703\u7522\u751f\u4e00\u500b\u61c9\u7a05\u4e8b\u4ef6\uff0c\u4e26\u8f49\u5ac1\u7d66\u6295\u8cc7\u8005\u3002\u5c0d\u4f60\u4f86\u8aaa\uff0c\u9019\u4ee3\u8868\u8457\u4f60\u6703\u5f97\u5230\u4e00\u4efd\u7a05\u55ae\uff0c\u5b83\u6703\u5f9e\u4f60\u7684\u6295\u8cc7\u5831\u916c\u4e2d\u6e1b\u53bb\u61c9\u7e73\u7684\u7a05\u3002\u9664\u975e\u4f60\u5728\u5ef6\u5f8c\u8ab2\u7a05\u6216\u514d\u7a05\u5e33\u6236\u88e1\u6301\u6709\u9019\u6a94\u57fa\u91d1\uff0c\u5426\u5247\u9577\u4e45\u4e0b\u4f86\uff0c\u5c71\u59c6\u5927\u53d4\u7684\u9322\u6703\u6108\u4f86\u6108\u591a\uff0c\u800c\u4f60\u7684\u9322\u6703\u6108\u4f86\u6108\u5c11\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u6574\u9ad4\u5e02\u5834\u6307\u6578\u57fa\u91d1\u7684\u9031\u8f49\u7387\u5f88\u5c0f\u3002\u7531\u65bc\u5b83\u5011\u53ea\u662f\u8907\u88fd\u5168\u90e8\u6216\u5927\u90e8\u5206\u7684\u80a1\u7968\u5e02\u5834\uff0c\u56e0\u6b64\u4f60\u6bd4\u8f03\u4e0d\u53ef\u80fd\u88ab\u9ad8\u984d\u7684\u7a05\u55ae\u5687\u5230\u3002<\/span><\/o:p><\/span><\/p>

<\/a>4.<\/span><\/b>\u7121\u9808\u50f1\u7528\u8cc7\u7522\u7ba1\u7406\u8005<\/span><\/b><\/o:p><\/span><\/b><\/h2>

\u6307\u6578\u6295\u8cc7\u975e\u5e38\u7c21\u55ae\uff0c\u4ee5\u81f4\u65bc\u771f\u7684\u6c92\u6709\u5fc5\u8981\u50f1\u7528\u4e00\u4f4d\u8cc7\u7522\u7ba1\u7406\u8005\uff0c\u4f86\u76e3\u63a7\u4f60\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u9664\u975e\u4f60\u78ba\u5be6\u89ba\u5f97\u6709\u5fc5\u8981\u9019\u9ebc\u505a\u3002\u5178\u578b\u7684\u8cc7\u7522\u7ba1\u7406\u8005\u6bcf\u5e74\u6536\u53d60.75% <\/span>\u52303.0% <\/span>\u4e0d\u7b49\uff0c\u4f86\u7ba1\u7406\u4f60\u7684\u6295\u8cc7\u7d44\u5408\u3002\u518d\u8aaa\u4e00\u6b21\uff0c\u9322\u662f\u9032\u5165\u5225\u4eba\u7684\u5e33\u6236\u88e1\u8907\u5229\u6210\u9577\uff0c\u800c\u4e0d\u662f\u7559\u5728\u4f60\u7684\u5e33\u6236\u88e1\u8907\u5229\u6210\u9577\u3002<\/span><\/o:p><\/span><\/p>

<\/a>5.<\/span><\/b>\u9ad8\u5ea6\u5206\u6563\u6295\u8cc7\u4e14\u4f4e\u98a8\u96aa<\/span><\/b><\/o:p><\/span><\/b><\/h2>

\u6b63\u5982\u6211\u5011\u5c07\u5728\u7b2c\u5341\u4e8c\u7ae0\u8a0e\u8ad6\u7684\uff0c\u5206\u6563\u6295\u8cc7\u662f\u964d\u4f4e\u6295\u8cc7\u98a8\u96aa\u7684\u95dc\u9375\u3002\u5728\u80a1\u5e02\u4e2d\u81f4\u5bcc\u7684\u6700\u5feb\u65b9\u5f0f\uff0c\u5c31\u662f\u6301\u6709\u4e0b\u4e00\u500b\u5fae\u8edf\uff08Microsoft<\/span>\uff09\u3002\u5931\u53bb\u6240\u6709\u9322\u7684\u6700\u5feb\u65b9\u5f0f\uff0c\u5c31\u662f\u6301\u6709\u4e0b\u4e00\u500b\u5b89\u9686\u516c\u53f8\uff08Enron<\/span>\uff09\u3002\u4e8b\u5148\u5206\u8fa8\u51fa\u5b83\u5011\u662f\u4e0d\u53ef\u80fd\u7684\u3002\u4e0d\u904e\uff0c\u4f60\u4e0d\u9700\u8981\u63d0\u524d\u5206\u8fa8\u51fa\u5b83\u5011\uff0c\u4f86\u70ba\u4f60\u7684\u6295\u8cc7\u7372\u5f97\u5408\u7406\u7684\u5831\u916c\u3002\u5982\u679c\u4f60\u8cb7\u9032\u6a19\u6e96\u666e\u723e500 <\/span>\u6307\u6578\u57fa\u91d1\uff0c\u4f60\u7684\u6295\u8cc7\u5c31\u662f\u975e\u5e38\u5206\u6563\u98a8\u96aa\u7684\uff0c\u800c\u5b83\u7684\u8868\u73fe\u5c07\u8207500 <\/span>\u9593\u7f8e\u570b\u9802\u5c16\u4f01\u696d\u7684\u80a1\u7968\u76f8\u7b26\u3002\u5b83\u6709\u53ef\u80fd\u628a\u4f60\u6240\u6709\u7684\u9322\u90fd\u8ce0\u5149\u55ce\uff1f\u6709\u53ef\u80fd\uff0c\u4f46\u767c\u751f\u9019\u7a2e\u60c5\u6cc1\u7684\u53ef\u80fd\u6027\u975e\u5e38\u5c0f\uff0c\u5e7e\u4e4e\u70ba\u96f6\u3002\u5982\u679c500 <\/span>\u9593\u7f8e\u570b\u9802\u5c16\u4f01\u696d\u7684\u80a1\u50f9\u90fd\u66b4\u8dcc\u5230\u96f6\uff0c\u90a3\u4f60\u7684\u6295\u8cc7\u7d44\u5408\u7684\u50f9\u503c\uff0c\u5c07\u6703\u662f\u4f60\u6700\u4e0d\u9700\u8981\u64d4\u5fc3\u7684\u554f\u984c\u3002\u5982\u6b64\u91cd\u5927\u7684\u7d93\u6fdf\u5d29\u6f70\uff0c\u6703\u8b93\u5927\u856d\u689d\u770b\u8d77\u4f86\u50cf\u662f\u5bcc\u8cb4\u540d\u6d41\u7684\u751f\u6d3b\u65b9\u5f0f\u3002<\/span><\/o:p><\/span><\/p>

\u300a\u5171\u540c\u57fa\u91d1\u5927\u9677\u9631\u300b\uff08The Great\nMutual Fund Trap<\/span>\uff09\u4e00\u66f8\u7684\u4f5c\u8005\u683c\u96f7\u683c\uff0e\u8c9d\u723e\uff08Greg Baer<\/span>\uff09\u8207\u84cb\u745e\uff0e\u8a79\u65af\u52d2\uff08Gary Gensler<\/span>\uff09\uff0c\u505a\u4e86\u4e00\u9805\u7814\u7a76\uff0c\u4ed6\u5011\u5c07\u4e3b\u52d5\u5f0f\u7ba1\u7406\u7684\u570b\u5167\u57fa\u91d1\u7684\u98a8\u96aa\uff0c\u8ddf\u5a01\u723e\u590f5000<\/span>\u6307\u6578\uff08\u6db5\u84cb\u7f8e\u570b\u80a1\u5e02\u7684\u5927\u7bc4\u570d\u6574\u9ad4\u80a1\u5e02\u6307\u6578\uff09\u9032\u884c\u6bd4\u8f03\u3002\u4ed6\u5011\u767c\u73fe\uff0c\u5728\u622a\u81f32001 <\/span>\u5e7412 <\/span>\u670831 <\/span>\u65e5\u70ba\u6b62\u7684\u5341\u5e74\u671f\u9593\u7576\u4e2d\uff0c\u4e3b\u52d5\u5f0f\u7ba1\u7406\u57fa\u91d1\u7684\u6a19\u6e96\u5dee\uff08\u8861\u91cf\u98a8\u96aa\u7684\u6307\u6a19\uff09\u70ba19.4%<\/span>\uff0c\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u66f4\u5206\u6563\u98a8\u96aa\u7684\u6574\u9ad4\u80a1\u5e02\u6307\u6578\u7684\u6a19\u6e96\u5dee\u70ba16.2%<\/span>\u3002<\/span><\/o:p><\/span><\/p>

<\/a>6.<\/span><\/b>\u8ab0\u4f86\u7ba1\u7406\u57fa\u91d1\u5f71\u97ff\u90fd\u4e0d\u5927<\/span><\/b><\/o:p><\/span><\/b><\/h2>

\u5c31\u50cf\u5176\u4ed6\u4efb\u4f55\u8077\u696d\u4e00\u6a23\uff0c\u6709\u4e9b\u4e3b\u52d5\u578b\u57fa\u91d1\u7d93\u7406\u4eba\u6bd4\u5176\u4ed6\u7d93\u7406\u4eba\u66f4\u51fa\u8272\u3002\u4ed6\u5011\u90fd\u4e0d\u662f\u83ef\u502b\uff0e\u5df4\u83f2\u7279\u548c\u5f7c\u5f97\uff0e\u6797\u5340\u3002\u6797\u5340\u57281978 <\/span>\u5e74\u52301990 <\/span>\u5e74\u7ba1\u7406\u5bcc\u9054\u9ea5\u54f2\u502b\u57fa\u91d1\uff08Fidelity Magellan fund<\/span>\uff09\uff0c\u5e73\u5747\u5e74\u5831\u916c\u7387\u70ba29%<\/span>\u3002\u6839\u64da\u6a19\u6e96\u666e\u723e\u7684\u8cc7\u6599\u986f\u793a\uff0c\u5728\u622a\u81f32012 <\/span>\u5e7412 <\/span>\u670831 <\/span>\u65e5\u70ba\u6b62\u7684\u5341\u5e74\u671f\u9593\u7576\u4e2d\uff0c\u6240\u6709\u985e\u5225\u4e2d\u7684\u4e3b\u52d5\u5f0f\u7ba1\u7406\u57fa\u91d1\u8868\u73fe\u90fd\u4f4e\u65bc\u5b83\u5011\u7684\u6307\u6578\u3002\u6b64\u5916\uff0c\u7dad\u6301\u9ad8\u7e3e\u6548\u8868\u73fe\u7684\u7d93\u7406\u4eba\u5f88\u7a00\u5c11\uff0c\u56e0\u6b64\u6709\u4e9b\u6295\u8cc7\u5b78\u8005\u6703\u5c07\u4ed6\u5011\u6301\u7e8c\u7684\u7e3e\u6548\u8868\u73fe\u6b78\u56e0\u65bc\u904b\u6c23\u3002\u8a31\u591a\u6628\u65e5\u7684\u8d85\u7d1a\u660e\u661f\u7d93\u7406\u4eba\u548c\u57fa\u91d1\uff0c\u4eca\u5929\u7684\u8868\u73fe\u90fd\u4e0d\u5982\u5927\u76e4\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002\u518d\u8aaa\u4e00\u6b21\uff0c\u4e8b\u5148\u5206\u8fa8\u51fa\u4ed6\u5011\uff0c\u4e26\u4e14\u77e5\u9053\u4ed6\u5011\u4ec0\u9ebc\u6642\u5019\u80fd\u8868\u73fe\u597d\uff0c\u662f\u554f\u984c\u6240\u5728\u3002\u81f3\u65bc\u6307\u6578\u578b\u57fa\u91d1\uff0c\u7531\u8ab0\u7ba1\u7406\u57fa\u91d1\u4e0d\u662f\u4ec0\u9ebc\u91cd\u8981\u7684\u554f\u984c\u3002\u7d93\u7406\u4eba\u8981\u505a\u7684\u4e8b\u5c31\u662f\u8ffd\u8e64\u9069\u5408\u7684\u6307\u6578\u3002<\/span><\/o:p><\/span><\/p>

<\/a>7.<\/span><\/b>\u6295\u8cc7\u98a8\u683c\u8f49\u79fb\u8207\u8ffd\u8e64\u8aa4\u5dee\u4e0d\u662f\u554f\u984c<\/span><\/b><\/o:p><\/span><\/b><\/h2>

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\u5728\u5b78\u6821\u88e1\uff0c\u901a\u5e38\u9700\u8981\u4ed8\u51fa\u8a31\u591a\u52aa\u529b\u624d\u80fd\u5f97\u5230 A<\/span>\uff0c\u800c\u4ed8\u51fa\u8f03\u5c11\u7684\u52aa\u529b\u5c31\u6703\u5f97\u5230 B<\/span>\uff0c\u4ee5\u6b64\u985e\u63a8\u3002\u5728\u6295\u8cc7\u65b9\u9762\uff0c\u5982\u679c\u4f60\u82b1\u5927\u91cf\u7684\u6642\u9593\u548c\u7cbe\u529b\u7814\u7a76\u5e02\u5834\uff0c\u6216\u8005\u82b1\u9322\u8acb\u4eba\u7ba1\u7406\u4f60\u7684\u6295\u8cc7\uff0c\u90a3\u9ebc\u4f60\u6210\u70ba A <\/span>\u7d1a\u6295\u8cc7\u8005\u7684\u53ef\u80fd\u6027\u4e0d\u5230 20%<\/span>\u3002\u7136\u800c\uff0c\u5982\u679c\u4f60\u5c0d\u6295\u8cc7\u4e00\u7121\u6240\u77e5\uff0c\u82b1\u6700\u5c11\u7684\u6642\u9593\u5728\u4f60\u7684\u6295\u8cc7\u4e0a\uff0c\u4e26\u8cb7\u9032\u6307\u6578\u578b\u57fa\u91d1\uff0c\u90a3\u4f60\u5c31\u6709 100% <\/span>\u7684\u6a5f\u6703\u6210\u70ba B <\/span>\u7d1a\u6295\u8cc7\u8005\u3002\u5728\u4e00\u500b\u5927\u591a\u6578\u6295\u8cc7\u8005\u5f97\u5230 D <\/span>\u6216\u66f4\u5dee\u7684\u5206\u6578\u7684\u4e16\u754c\u88e1\uff0cB <\/span>\u662f\u7f8e\u597d\u7684\u3002<\/span><\/o:p><\/span><\/p>

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<\/p>

\u66f8\u540d\uff1a\u300a<\/span>\u9109\u6c11\u7684\u63d0\u65e9\u9000\u4f11\u8a08\u756b\u3014\u89c0\u5ff5\u7248\u3015<\/span><\/span><\/u><\/span>\u300b
\n<\/span>\u4f5c\u8005\uff1aTaylor Larimore<\/span>\u3001Mel Lindauer<\/span>\u3001Michael LeBoeuf
\n<\/span>\u51fa\u7248\u793e\uff1a\u6a02\u91d1\u6587\u5316<\/span><\/o:p><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u300a\u672c\u6587\u8f49\u8f09\u81ea<\/span>\u6191\u9019<\/span><\/span><\/u> 7 <\/span><\/u>\u500b\u8ff7\u4eba\u7684\u7406\u7531\uff0c\u4f60\u8a72\u8a8d\u8b58\u6307\u6578\u578b\u57fa\u91d1\u6295\u8cc7\uff01<\/span><\/span><\/u><\/span>\uff0c<\/span>StockFeel<\/span><\/u>\u80a1\u611f<\/span><\/span><\/u><\/span>\u6388\u6b0a\u8f49\u8f09\u3002\u300b<\/span><\/p>

\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\u9ede\u6211\u770b\u66f4\u591a\u9000\u4f11\u7406\u8ca1\u898f\u5283<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

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