{"id":33804,"date":"2026-10-25T09:00:04","date_gmt":"2026-10-25T01:00:04","guid":{"rendered":"https:\/\/www.ileolife.com\/?p=33804"},"modified":"2026-10-16T10:30:04","modified_gmt":"2026-10-16T02:30:04","slug":"%e8%a9%b2%e5%ad%98%e7%9a%84%e9%8c%a2%e5%ad%98%e5%a4%aa%e5%b0%91%ef%bc%8c%e5%8d%bb%e6%8a%8a%e9%80%80%e4%bc%91%e9%87%91%e9%87%8d%e6%8a%bc%e8%82%a1%e5%b8%82%ef%bc%9f%e5%b0%88%e5%ae%b6%e9%bb%9e%e5%90%8d","status":"publish","type":"post","link":"https:\/\/www.ileolife.com\/?p=33804","title":{"rendered":"\u8a72\u5b58\u7684\u9322\u5b58\u592a\u5c11\uff0c\u537b\u628a\u9000\u4f11\u91d1\u91cd\u62bc\u80a1\u5e02\uff1f\u5c08\u5bb6\u9ede\u540d\u9000\u4f11\u7406\u8ca1 2 \u5927\u5730\u96f7"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"33804\" class=\"elementor elementor-33804\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50811c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50811c0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32f80e4\" data-id=\"32f80e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2a14e5 elementor-widget elementor-widget-text-editor\" data-id=\"d2a14e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u6bcf\u500b\u6708\u767c\u85aa\u5f8c\uff0c\u4f60\u5b58\u4e0b\u4e86\u591a\u5c11\u9322\uff1f\u5b58\u4e0b\u4f86\u7684\u9322\uff0c\u53c8\u653e\u5728\u54ea\u88e1\uff1f\u9019 2 \u500b\u770b\u4f3c\u7c21\u55ae\u7684\u554f\u984c\uff0c\u7b54\u6848\u6703\u6c7a\u5b9a\u9000\u4f11\u90a3\u5929\uff0c\u4f60\u624b\u4e0a\u80fd\u7528\u7684\u9322\u6709\u591a\u5c11\u3002<\/p><p>\u7f8e\u570b 401(k) \u5927\u578b\u696d\u8005\u4e4b\u4e00 Empower \u7684\u9996\u5e2d\u6295\u8cc7\u7b56\u7565\u5e2b\u746a\u5854\uff0e\u8afe\u9813\uff08Marta Norton\uff09\uff0c\u8fd1\u671f\u63a5\u53d7\u300a\u5f6d\u535a\u5ee3\u64ad\u300b\uff08Bloomberg Radio\uff09\u8a2a\u554f\u6642\u6307\u51fa\uff0c\u5ba2\u6236\u5728\u9000\u4f11\u7406\u8ca1\u4e0a\u6700\u5e38\u72af\u7684\u932f\u8aa4\u6709 2 \u500b\uff0c\u6b63\u597d\u5c0d\u61c9\u9019 2 \u500b\u554f\u984c\uff1a\u4e00\u662f\u6295\u5165\u9000\u4f11\u5132\u84c4\u5e33\u6236\u7684\u9322\u4e0d\u5920\uff0c\u4e8c\u662f\u6295\u8cc7\u592a\u591a\u80a1\u7968\u3002<\/p><p>\u9019 2 \u500b\u932f\u8aa4\u4e26\u4e0d\u5c11\u898b\u3002\u4ee5 2015 \u5e74\u7684\u4f30\u7b97\uff0c\u7f8e\u570b\u4eba\u6bcf\u5e74\u6c92\u9818\u8d70\u7684\u9000\u4f11\u5e33\u6236\u516c\u53f8\u63d0\u64a5\uff0c\u5408\u8a08\u9ad8\u9054 240 \u5104\u7f8e\u5143\uff1b\u5148\u92d2\u96c6\u5718\uff08Vanguard\uff09\u7684\u6578\u64da\u5247\u986f\u793a\uff0c\u65d7\u4e0b\u9000\u4f11\u8a08\u756b\u4e2d 55 \u6b72\u4ee5\u4e0a\u7684\u53c3\u8207\u8005\uff0c\u8fd1 2 \u6210\u5e33\u6236\u7684\u80a1\u7968\u6bd4\u91cd\u903e 8 \u6210\u3002<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fffd391 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fffd391\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ae4cd6\" data-id=\"2ae4cd6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2394705 elementor-widget elementor-widget-text-editor\" data-id=\"2394705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #ffcc00\"><strong>\u5730\u96f7 1\uff1a\u5b58\u592a\u5c11\uff0c\u767d\u767d\u653e\u6389\u516c\u53f8\u63d0\u64a5\u7684\u300c\u514d\u8cbb\u7684\u9322\u300d<\/strong><\/span><\/h3><p>\u8afe\u9813\u9ede\u51fa\uff0c\u6709\u4e9b\u52de\u5de5\u5b58\u5165 401(k) \u7684\u91d1\u984d\u4e0d\u5920\uff0c\u56e0\u6b64\u6c92\u80fd\u62ff\u5230\u516c\u53f8\u5168\u984d\u7684\u76f8\u5c0d\u63d0\u64a5\u3002\u8ac7\u5230\u516c\u53f8\u63d0\u64a5\uff0c\u8afe\u9813\u8868\u793a\uff1a\u300c\u65e2\u7136\u5927\u5bb6\u90fd\u8aaa\u90a3\u662f\u514d\u8cbb\u7684\u9322\uff0c\u6211\u8a8d\u70ba\u9019\u5927\u6982\u662f\u6700\u660e\u986f\u7684\u932f\u8aa4\u3002\u300d<\/p><p>\u7de8\u6309\uff1a401(k) \u662f\u7f8e\u570b\u4f01\u696d\u63d0\u4f9b\u7d66\u54e1\u5de5\u7684\u9000\u4f11\u5132\u84c4\u5e33\u6236\uff0c\u54e1\u5de5\u53ef\u81ea\u9858\u5f9e\u85aa\u6c34\u4e2d\u63d0\u64a5\u4e00\u5b9a\u6bd4\u4f8b\u5b58\u5165\uff0c\u4e26\u81ea\u884c\u6311\u9078\u5e33\u6236\u88e1\u7684\u6295\u8cc7\u6a19\u7684\u3002\u8a31\u591a\u516c\u53f8\u6703\u4f9d\u54e1\u5de5\u5b58\u5165\u7684\u91d1\u984d\uff0c\u518d\u984d\u5916\u300c\u76f8\u5c0d\u63d0\u64a5\u300d\uff08employer match\uff09\u4e00\u7b46\u9322\uff0c\u4f46\u8a2d\u6709\u4e0a\u9650\uff0c\u54e1\u5de5\u5b58\u5f97\u5c11\uff0c\u516c\u53f8\u5c31\u8ddf\u8457\u7d66\u5f97\u5c11\u3002\u53f0\u7063\u9069\u7528\u52de\u9000\u65b0\u5236\u7684\u52de\u5de5\uff0c\u4e0d\u8ad6\u662f\u5426\u81ea\u63d0\uff0c\u96c7\u4e3b\u90fd\u5fc5\u9808\u6309\u6708\u63d0\u7e73\u81f3\u5c11 6% \u7684\u5de5\u8cc7\uff1b\u7f8e\u570b\u7684\u516c\u53f8\u76f8\u5c0d\u63d0\u64a5\uff0c\u5247\u53d6\u6c7a\u65bc\u54e1\u5de5\u81ea\u5df1\u5b58\u4e86\u591a\u5c11\u3002<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-88d50aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"88d50aa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-165e96e\" data-id=\"165e96e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fd80d8 elementor-widget elementor-widget-text-editor\" data-id=\"8fd80d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #ffcc00\"><strong>\u5730\u96f7 2\uff1a\u80a1\u7968\u62bc\u592a\u591a\uff0c\u81ea\u5df1\u64cd\u76e4\u6700\u5bb9\u6613\u5931\u8861<\/strong><\/span><\/h3><p>\u8afe\u9813\u6307\u51fa\uff0c\u8a31\u591a\u7f8e\u570b\u4eba\u63a1\u53d6 DIY\uff08\u81ea\u884c\u64cd\u4f5c\uff09\u7684\u65b9\u5f0f\u6295\u8cc7\u9000\u4f11\u5e33\u6236\uff0c\u800c\u4e14\u80a1\u7968\u66dd\u96aa\u904e\u9ad8\uff0c\u73fe\u91d1\u8207\u7a69\u5b9a\u50f9\u503c\u578b\u6295\u8cc7\u7b49\u8cc7\u7522\u537b\u653e\u5f97\u592a\u5c11\u3002<\/p><p>\u591a\u6578\u9000\u4f11\u5e33\u6236\u4ee5\u80a1\u7968\u70ba\u4e3b\uff0c\u76ee\u7684\u662f\u7d2f\u7a4d\u9577\u671f\u8ca1\u5bcc\u3002\u4f46\u904e\u5ea6\u62bc\u6ce8\u80a1\u7968\uff0c\u53ef\u80fd\u5c0d\u96e2\u9000\u4f11\u6108\u4f86\u6108\u8fd1\u7684\u5e74\u9577\u8005\u4e0d\u5229\uff0c\u56e0\u70ba\u4e00\u822c\u8a8d\u70ba\uff0c\u4ed6\u5011\u4e00\u65e6\u9047\u4e0a\u80a1\u5e02\u5927\u5e45\u4fee\u6b63\uff0c\u53d7\u5230\u7684\u885d\u64ca\u6703\u66f4\u5927\u3002<\/p><p>\u5bcc\u9054 2023 \u5e74\u7684\u5831\u544a\u5c31\u767c\u73fe\uff0c\u903e 1\/4 \u7684\u5b30\u5152\u6f6e\u4e16\u4ee3\uff0c\u9000\u4f11\u5e33\u6236\u7684\u80a1\u7968\u6bd4\u91cd\u9ad8\u65bc\u5bcc\u9054\u4f9d\u5176\u5e74\u9f61\u5efa\u8b70\u7684\u76ee\u6a19\u914d\u7f6e\uff0c\u5c6c\u65bc\u300c\u7a4d\u6975\u578b\u300d\u914d\u7f6e\u3002<\/p><p>\u300a\u6295\u8cc7\u767e\u79d1\u300b\uff08Investopedia\uff09\u5f15\u8ff0\u5148\u92d2\u96c6\u5718\u8cc7\u6599\u6307\u51fa\uff0c\u5728\u5148\u92d2\u96c6\u5718\u7ba1\u7406\u7684\u9000\u4f11\u8a08\u756b\u4e2d\uff0c55 \u6b72\u4ee5\u4e0a\u7684\u5728\u8077\u53c3\u8207\u8005\u6709 27% \u5c6c\u65bc\u300c\u6975\u7aef\u80a1\u7968\u914d\u7f6e\u300d\u3002\u5176\u4e2d 18% \u7684\u5e33\u6236\u6709 81% \u4ee5\u4e0a\u653e\u5728\u80a1\u7968\uff0c\u53e6\u6709 9% \u7684\u80a1\u7968\u6bd4\u91cd\u5728 30% \u4ee5\u4e0b\uff0c\u5176\u4e2d\u6709 6 \u500b\u767e\u5206\u9ede\u5b8c\u5168\u7121\u6301\u80a1\u3002<\/p><p>\u9019\u4e9b\u6975\u7aef\u914d\u7f6e\uff0c\u591a\u534a\u51fa\u73fe\u5728\u81ea\u5df1\u7ba1\u7406\u6295\u8cc7\u7d44\u5408\u7684\u4eba\u8eab\u4e0a\u3002\u76ee\u6a19\u65e5\u671f\u57fa\u91d1\u80fd\u4e00\u6b21\u5206\u6563\u6295\u8cc7\uff0c\u4e26\u96a8\u8457\u6301\u6709\u4eba\u5e74\u9f61\u589e\u9577\u3001\u63a5\u8fd1\u9000\u4f11\uff0c\u9010\u6b65\u628a\u8cc7\u7522\u5f9e\u80a1\u7968\u8f49\u5f80\u50b5\u5238\u300255 \u6b72\u4ee5\u4e0a\u7684\u53c3\u8207\u8005\u4e2d\uff0c\u7565\u591a\u65bc\u4e00\u534a\u9078\u7528\u9019\u985e\u5c08\u696d\u7ba1\u7406\u9078\u9805\uff0c\u80a1\u7968\u6bd4\u91cd\u843d\u5728 30\uff5e80% \u9019\u500b\u76f8\u5c0d\u7a84\u7684\u5340\u9593\uff1b\u5176\u9918\u81ea\u5df1\u52d5\u624b\u914d\u7f6e\u7684\u4eba\uff0c\u80a1\u7968\u6bd4\u91cd\u5247\u5f9e\u5b8c\u5168\u4e0d\u78b0\u5230\u5168\u6578\u62bc\u4e0a\u90fd\u6709\u3002<\/p><p><span style=\"color: #cc99ff\"><strong>\u9000\u4f11\u5f8c\u78b0\u4e0a\u80a1\u707d\uff0c\u80a1\u7968\u6bd4\u91cd\u592a\u9ad8\u88ab\u8feb\u8a8d\u8ce0<\/strong><\/span><br \/>\u5728\u80a1\u5e02\u4e0b\u8dcc\u6642\u88ab\u8feb\u63d0\u9818\u9000\u4f11\u5b58\u6b3e\uff0c\u8b93\u6295\u8cc7\u8667\u640d\u5c31\u6b64\u6210\u771f\uff0c\u9019\u7a2e\u98a8\u96aa\u88ab\u7a31\u70ba\u300c\u5e8f\u5217\u5831\u916c\u98a8\u96aa\u300d\uff08sequence of returns risk\uff09\u3002<\/p><p>\u300a\u6295\u8cc7\u767e\u79d1\u300b\u8aaa\u660e\uff0c\u5982\u679c\u958b\u59cb\u5f9e\u80a1\u7968\u6bd4\u91cd 81% \u4ee5\u4e0a\u7684 401(k) \u63d0\u9818\u6642\uff0c\u6b63\u597d\u78b0\u4e0a\u80a1\u5e02\u4e0b\u8dcc\uff0c\u53ef\u80fd\u5f97\u8ce3\u51fa\u6bd4\u9810\u671f\u66f4\u591a\u7684\u80a1\u7968\u4f86\u652f\u61c9\u751f\u6d3b\u8cbb\uff0c\u7b49\u5230\u5e02\u5834\u53cd\u5f48\uff0c\u80fd\u8ddf\u8457\u53d7\u60e0\u7684\u80a1\u6578\u4e5f\u8b8a\u5c11\u4e86\u3002\u7406\u60f3\u7684\u60c5\u6cc1\uff0c\u662f\u5f9e\u975e\u80a1\u7968\u7684\u90e8\u4f4d\u63d0\u9818\uff0c\u8b93\u80a1\u7968\u90e8\u4f4d\u4e0d\u53d7\u5f71\u97ff\u3001\u7e7c\u7e8c\u6210\u9577\u3002<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb72389 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb72389\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0360ab4\" data-id=\"0360ab4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70158bf elementor-widget elementor-widget-text-editor\" data-id=\"70158bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #ffcc00\"><strong>\u600e\u9ebc\u907f\u958b\u5730\u96f7\uff1f\u7528\u300c110 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elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d5cbd12\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aeb5f93\" data-id=\"aeb5f93\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d638315 elementor-widget elementor-widget-text-editor\" data-id=\"d638315\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6>\u8cc7\u6599\u4f86\u6e90\uff1aBusiness Insider\u3001Investopedia\u3001Bloomberg\uff1b\u672c\u6587\u521d\u7a3f\u7531 AI 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data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&gt;&gt;\u672c\u6587\u7d93&lt;<span style=\"text-decoration: underline;color: #0000ff\"><a style=\"color: #0000ff;text-decoration: underline\" href=\"https:\/\/www.managertoday.com.tw\/\" rel=\"noopener noreferrer\">\u7d93\u7406\u4eba<\/a><\/span>&gt;\u540c\u610f\u8f49\u8f09<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc5fbe7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc5fbe7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3baa3d4\" data-id=\"3baa3d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-963378c elementor-widget-divider--separator-type-pattern elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"963378c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\" style=\"--divider-pattern-url: url(&quot;data:image\/svg+xml,%3Csvg xmlns=&#039;http:\/\/www.w3.org\/2000\/svg&#039; preserveAspectRatio=&#039;none&#039; overflow=&#039;visible&#039; height=&#039;100%&#039; viewBox=&#039;0 0 24 24&#039; fill=&#039;none&#039; stroke=&#039;black&#039; stroke-width=&#039;1&#039; stroke-linecap=&#039;square&#039; stroke-miterlimit=&#039;10&#039;%3E%3Cpolyline points=&#039;0,6 6,6 6,18 18,18 18,6 24,6 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https:\/\/www.ileolife.com\/wp-content\/uploads\/2026\/10\/05133813\/3_%E5%AE%98%E7%B6%B2%E7%86%B1%E9%96%80%E5%84%AA%E6%83%A0%E5%B0%88%E5%8D%80%E5%B0%81%E9%9D%A2%E5%9C%96_640x380_200k-300x178.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b56c69 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b56c69\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f144cc\" data-id=\"2f144cc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap 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