{"id":7869,"date":"2022-10-01T01:11:50","date_gmt":"2022-09-30T17:11:50","guid":{"rendered":"https:\/\/\/?p=7869"},"modified":"2024-03-20T09:43:39","modified_gmt":"2024-03-20T01:43:39","slug":"four-percent-rule","status":"publish","type":"post","link":"https:\/\/\/four-percent-rule\/","title":{"rendered":"4%\u6cd5\u5247\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u75284%\u6cd5\u5247\u9054\u6210\u8ca1\u52d9\u81ea\u7531\u9000\u4f11\uff1f"},"content":{"rendered":"<!-- \/367108978\/Rich01_PC_up_728x90 -->\n\t<div class='div-gpt-ad-css' id='div-gpt-ad-1564472272479-0' style='width: 728px; height: 90px;'>\n\t  <script>\n\t\tgoogletag.cmd.push(function() { googletag.display('div-gpt-ad-1564472272479-0'); });\n\t  <\/script>\n\t<\/div><p><img decoding=\"async\" class=\"alignnone size-full wp-image-43422\" src=/index.html"https:\/\/\/wp-content\/uploads\/20221025140409_60.jpg\" alt=\"4%\u6cd5\u5247\" width=\"2090\" height=\"1094\" srcset=\"https:\/\/\/wp-content\/uploads\/20221025140409_60.jpg 2090w, https:\/\/\/wp-content\/uploads\/20221025140409_60-1536x804.jpg 1536w, https:\/\/\/wp-content\/uploads\/20221025140409_60-2048x1072.jpg 2048w\" sizes=\"(max-width: 2090px) 100vw, 2090px\" \/><\/p>\n<p>4%\u6cd5\u5247(\u82f1\u6587Four Percent Rule)\u662f\u4e00\u500b\u7d93\u9a57\u6cd5\u5247\uff0c\u5b83\u4ee3\u8868\u6211\u5011\u5728\u6295\u5165\u4e00\u7b46\u6295\u8cc7\u5f8c\uff0c\u60f3\u5f9e\u4e2d\u53d6\u51fa\u6e90\u6e90\u4e0d\u7d55\u7684\u73fe\u91d1\u6d41\uff0c\u537b\u4e0d\u6703\u8b93\u672c\u91d1\u6b78\u96f6\u7684\u6bd4\u4f8b\u6578\u5b57\uff0c<\/p>\n<p>\u900f\u904e\u9019\u500b\u73fe\u91d1\u6d41\uff0c\u6211\u5011\u53ef\u4ee5\u8a55\u4f30\u81ea\u5df1\u9000\u4f11\u6240\u9700\u7684\u8cc7\u7522\u898f\u6a21\uff0c\u4f86\u8a2d\u5b9a\u9000\u4f11\u76ee\u6a19\u3002<\/p>\n<p><!--more--><\/p>\n<h2>4%\u6cd5\u5247\u662f\u4ec0\u9ebc\uff1f<\/h2>\n<p><strong>4%\u6cd5\u5247\u610f\u601d\u662f\uff0c\u6bcf\u5e74\u5f9e\u9000\u4f11\u5e33\u6236\u7684\u6295\u8cc7\u7d44\u5408\u4e2d\u9818\u51fa4%\u4f5c\u70ba\u751f\u6d3b\u8cbb\u3002<\/strong><\/p>\n<p>\u4eba\u751f\u5230\u4e00\u500b\u968e\u6bb5\u5f8c\u6709\u5f88\u5927\u7684\u53ef\u80fd\u6027\u6211\u5011\u6703\u7121\u6cd5\u6216\u4e0d\u60f3\u518d\u5de5\u4f5c\uff0c\u56e0\u800c\u5931\u53bb\u5de5\u4f5c\u6536\u5165\uff0c\u9019\u6642\u82b1\u8cbb\u5f88\u53ef\u80fd\u5c31\u6703\u4f86\u81ea\u904e\u53bb\u7d2f\u7a4d\u7684\u9000\u4f11\u91d1\u3002<\/p>\n<p>\u4f46\u9000\u4f11\u91d1\u7e3d\u6703\u6709\u82b1\u5b8c\u7684\u4e00\u5929\uff0c\u56e0\u6b64\u5982\u679c\u6709\u4e00\u500b\u65b9\u6cd5\uff0c\u80fd\u900f\u904e\u628a\u9000\u4f11\u91d1\u53bb\u505a\u5b89\u5168\u7684\u6295\u8cc7\u8b93\u5b83\u6210\u9577\uff0c\u4e26\u6bcf\u5e74\u56fa\u5b9a\u9818\u51fa\u4e00\u500b\u76f8\u5c0d\u5b89\u5168\u5408\u7406\u7684\u91d1\u984d\uff0c<\/p>\n<p>\u9019\u6642\u5c31\u6709\u53ef\u80fd\u5728\u9000\u4f11\u5e33\u6236\u7684\u6295\u8cc7\u7d44\u5408\u4e0d\u5bb9\u6613\u6e1b\u640d\u7684\u60c5\u6cc1\u4e0b\uff0c\u9084\u80fd\u6301\u7e8c\u9818\u51fa\u6e90\u6e90\u4e0d\u7d55\u7684<a href=/index.html"https:\/\/\/blog-pos-14\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u73fe\u91d1\u6d41<\/a>\uff0c\u8b93\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u4e0d\u518d\u9700\u8981\u64d4\u5fc3\u8ca1\u52d9\u554f\u984c\u3002<\/p>\n<p>\u5728\u7d93\u9a57\u4e0a\uff0c\u901a\u5e38\u5efa\u8b70\u6bcf\u5e74\u9818\u51fa\u7684\u9322\u4e0d\u8981\u8d85\u51fa4%\uff0c\u56e0\u6b64\u53c8\u88ab\u7a31\u70ba4%\u6cd5\u5247\u3002<\/p>\n<h3><strong>\u8ab0\u9700\u8981\u4f7f\u75284%\u6cd5\u5247\uff1f<\/strong><\/h3>\n<p>\u5982\u679c\u4f60\u5df2\u7d93\u958b\u59cb\u898f\u5283\u672a\u4f86\u9000\u4f11\uff0c\u6216\u662f\u672a\u4f86\u67d0\u4e9b\u6642\u9593\u9ede\u958b\u59cb\u4e0d\u518d\u6709\u85aa\u8cc7\u6536\u5165\uff0c\u60f3\u9760\u6295\u8cc7\u7684\u8cc7\u672c\u4f86\u7dad\u6301\u751f\u6d3b\u54c1\u8cea\u7684\u8a71\uff0c4%\u6cd5\u5247\u5c31\u662f\u4e00\u500b\u898f\u5283\u65b9\u5f0f\u3002<\/p>\n<p>\u5982\u679c\u80fd\u63d0\u65e9\u9054\u6210\uff0c\u4e26\u4e14\u6bcf\u5e74\u56fa\u5b9a\u9818\u51fa\u7684\u91d1\u984d\u8d85\u904e\u81ea\u5df1\u751f\u6d3b\u958b\u92b7\uff0c\u4e5f\u53ef\u4ee5\u7b97\u662f\u9054\u6210<a href=/index.html"https:\/\/\/blog-post_25-2\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u8ca1\u52d9\u81ea\u7531<\/a>\uff0c\u4e5f\u5c31\u662f\u6301\u7e8c\u6027\u7684<a href=/index.html"https:\/\/\/blog-post_25-2\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u88ab\u52d5\u6536\u5165<\/a>\u5927\u65bc\u65e5\u5e38\u751f\u6d3b\u652f\u51fa\u3002<\/p>\n<h2>\u70ba\u4ec0\u9ebc\u662f4%\uff1f\u9019\u6578\u5b57\u600e\u9ebc\u4f86\u7684<\/h2>\n<p><strong>4%\u6cd5\u5247\u6700\u5927\u7684\u9b54\u529b\u5728\u65bc\uff1a\u9019\u7b46\u9322\u5f88\u5927\u6a5f\u7387\u53ef\u4ee5\u6c38\u9060\u4e00\u76f4\u9818\u4e0b\u53bb<\/strong><\/p>\n<p>\u9019\u6578\u5b57\u7531\u4f86\u5df2\u4e45\uff0c\u6700\u65e9\u662f\u57281970\u5e74\u4ee3\u6642\uff0c\u6709\u4eba\u7528\u628a\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u6295\u8cc7\u5728<a href=/index.html"https:\/\/\/what-is-bonds\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u50b5\u5238<\/a>\u7684\u9577\u671f\u5831\u916c\u53bb\u8a08\u7b97\uff0c<\/p>\n<p>\u5982\u679c\u6bcf\u5e74\u5f9e\u5e33\u6236\u9818\u51fa\u4e00\u7b46\u56fa\u5b9a\u6bd4\u4f8b\u8cc7\u91d1\uff0c\u662f\u5426\u6709\u53ef\u80fd\u6703\u628a\u5e33\u6236\u63d0\u9818\u5b8c\uff1f<\/p>\n<p>\u7576\u6642\u5f97\u5230\u4e00\u500b\u7d50\u8ad6\u662f\uff1a\u5982\u679c\u6bcf\u5e74\u56fa\u5b9a\u53ea\u9818\u51fa4%\uff0c\u90a3\u6839\u64da\u7576\u6642\u7684\u6b77\u53f2\u8cc7\u6599\u8a08\u7b97\uff0c\u981830~50\u5e74\u5e33\u6236\u7684\u8cc7\u91d1\u4e5f\u4e0d\u6703\u88ab\u9818\u5b8c\u3002<\/p>\n<p><strong>\u5982\u4f55\u8b93\u5e33\u6236\u8cc7\u91d1\u6c38\u9060\u9818\u4e0d\u5b8c\uff1f<\/strong><\/p>\n<p>\u689d\u4ef6\u662f\uff1a\u9577\u671f\u6295\u8cc7\u5e74\u5316\u5831\u916c\u7387\uff1e\u5e33\u6236\u63d0\u9818\u6bd4\u7387<\/p>\n<blockquote><p><strong>\u9577\u671f\u6295\u8cc7\u5e74\u5316\u5831\u916c\u7387\uff1a<\/strong><\/p>\n<p>\u6307\u7684\u662f\u4e00\u500b\u5831\u916c\u6975\u70ba\u7a69\u5b9a\u4e26\u4e14\u78ba\u5b9a\u5831\u916c\u6703\u9577\u671f\u5411\u4e0a\u7684\u7d44\u5408(\u4f8b\u5982\uff1a\u55ae\u7d14\u9818\u516c\u50b5\u5229\u606f\uff0c\u6216\u8cc7\u7522\u914d\u7f6e\u7d44\u5408)\uff0c<\/p>\n<p>\u7562\u7adf\u5982\u679c\u6295\u8cc7\u7d44\u5408\u7684\u6210\u679c\u8d77\u4f0f\u4e0d\u5b9a\u3001\u6709\u6642\u8cfa\u6709\u6642\u8ce0\uff0c\u90a3\u4f9d\u7136\u6709\u53ef\u80fd\u9818\u5230\u67d0\u4e00\u5929\u8cc7\u7522\u6703\u7e2e\u6c34\u5c0e\u81f4\u9818\u5230\u7684\u9322\u8b8a\u5c11\uff0c\u6216\u662f\u9818\u5b8c\u6240\u6709\u8cc7\u91d1\u3002<\/p>\n<p>\u5982\u679c\u4e0d\u77e5\u9053\u4ec0\u9ebc\u662f\u5e74\u5316\u5831\u916c\u7387\uff0c<br \/>\n\u53ef\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/return-of-investment\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5e74\u5316\u5831\u916c\u7387\u662f\u4ec0\u9ebc\uff1f<\/a><\/p>\n<p><strong>\u5e33\u6236\u63d0\u9818\u6bd4\u7387\uff1a<\/strong><\/p>\n<p>\u63d0\u9818\u6307\u7684\u662f\u5f9e\u6295\u8cc7\u7d44\u5408\u4e2d\u9818\u51fa\u7684\u8cc7\u91d1\uff0c\u5be6\u52d9\u4e0a\u5305\u542b\u5229\u606f\u3001\u80a1\u5229\uff0c\u5982\u679c\u5229\u606f\u8207\u80a1\u5229\u52a0\u8d77\u4f86\u4e0d\u8db34%\uff0c\u90a3\u5c31\u8ce3\u6389\u90e8\u5206\u6295\u8cc7\u7d44\u5408\u6301\u80a1\uff0c\u6e4a\u52304%\u3002<\/p>\n<p>4%\u662f\u76ee\u524d\u7d93\u9a57\u4e0a\uff0c\u4e0d\u81f3\u65bc\u592a\u9ad8\u7684\u6bd4\u7387\u3002<\/p>\n<p>\u63d0\u9818\u91d1\u984d\u4e0d\u5efa\u8b70\u5ffd\u9ad8\u5ffd\u4f4e\uff0c\u56e0\u70ba\u55ae\u4e00\u6b21\u5927\u984d\u7684\u63d0\u9818\uff0c\u6703\u9020\u6210\u5f8c\u9762\u80fd\u8907\u5229\u6efe\u52d5\u7684\u8cc7\u7522\u6e1b\u5c11\u3002<\/p><\/blockquote>\n<p>\u8981\u6ce8\u610f\u7684\u662f\uff0c\u53ea\u8981\u662f\u5831\u916c\uff0c\u9577\u671f\u5927\u591a\u90fd\u662f\u8d77\u4f0f\u4e0d\u5b9a\u7684\uff0c\u56e0\u6b64\u63d0\u9818\u6bd4\u7387\u4e0d\u80fd\u662f\u53ea\u4f4e\u5831\u916c\u7387\u4e00\u9ede\u9ede\uff0c\u6700\u597d\u662f\u6bd4\u5831\u916c\u7387\u4f4e\u883b\u591a\u7684\uff0c\u9019\u6a23\u624d\u80fd\u78ba\u4fdd\u9000\u4f11\u7684\u5b89\u5168\u3002<\/p>\n<p>\u7562\u7adf\u9000\u4f11\u53ea\u6709\u4e00\u6b21\uff0c\u4f60\u4e0d\u60f3\u767c\u751f\u4ec0\u9ebc\u610f\u5916\u5427\u3002<\/p>\n<h2>\u5982\u4f55\u75284%\u6cd5\u5247\u8a08\u7b97\u8ca1\u52d9\u81ea\u7531\u6216\u9000\u4f11\uff1f<\/h2>\n<blockquote><p>\u6295\u8cc7\u7d44\u5408\u6240\u9700\u8cc7\u672c = \u9000\u4f11\u5f8c\u5e74\u958b\u652f \u00f7 4%<\/p><\/blockquote>\n<p>\u9000\u4f11\u5f8c\u5e74\u958b\u652f(\u5143) = \u4f30\u8a08\u6708\u958b\u652f(\u5143) \u00d7 12(\u6708)<\/p>\n<p>\u8209\u500b\u4f8b\u5b50\uff1a<\/p>\n<p>\u9000\u4f11(\u6216\u4e0d\u5de5\u4f5c)\u4ee5\u5f8c\uff0c\u81ea\u5df1\u5bb6\u5ead\u6bcf\u6708\u652f\u51fa\u662f10\u842c\u5143\uff0c\u4e00\u5e74\u5c31\u662f120\u842c\u3002<\/p>\n<p>\u75284%\u6cd5\u5247\u7c21\u55ae\u8a08\u7b97\u5982\u4e0b\uff1a120\u842c \u00f7 4% = 3000\u842c<\/p>\n<p>\u4ee3\u8868\u4e00\u5171\u9700\u8981\u6e96\u5099\u50f9\u503c3000\u842c\u5143\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u6bcf\u5e74\u624d\u80fd\u5f9e\u4e2d\u53d6\u51fa120\u842c\u5143\u3002<\/p>\n<p>\u7528\u9019\u689d\u898f\u5247\uff0c\u4f60\u53ef\u4ee5\u5feb\u901f\u7b97\u51fa\u81ea\u5df1\u9700\u8981\u6e96\u5099\u7684<strong>\u6700\u4f4e\u6240\u9700\u8cc7\u91d1\uff08<\/strong>\u7576\u7136\uff0c\u8d8a\u9ad8\u8d8a\u597d\uff09\u3002<\/p>\n<h2>\u60f3\u904b\u75284%\u6cd5\u5247\uff0c\u8cc7\u91d1\u61c9\u8a72\u6295\u8cc7\u5728\u54ea\uff1f<\/h2>\n<p>\u904e\u53bb\u4eba\u5011\u5728\u904b\u75284%\u6cd5\u5247\u6642\uff0c\u6700\u4e3b\u8981\u662f\u6295\u8cc7\u65bc\u516c\u50b5\u4e0a\uff0c<\/p>\n<p>\u56e0\u70ba\u7f8e\u570b\u516c\u50b5\u662f\u76ee\u524d\u4e16\u754c\u4e0a\u516c\u8a8d\u98a8\u96aa\u6700\u4f4e\u7684\u56fa\u5b9a\u6536\u76ca\u6295\u8cc7\u5546\u54c1\u3002<\/p>\n<p>\u516c\u50b5\u5728\u65e9\u5e74\u6b96\u5229\u7387\u5f88\u9ad8\uff0c\u751a\u81f3\u57281980\u5e74\u4ee3\u5de6\u53f3\u6709\u9ad8\u65bc10%\u4ee5\u4e0a\uff0c\u4f46\u5230\u4e862000\u5e74\u4ee5\u5f8c\uff0c\u6b96\u5229\u7387\u5247\u662f\u5927\u591a\u90fd\u4f4e\u65bc4%\u3002<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-7873\" src=/index.html"https:\/\/\/wp-content\/uploads\/20200104001148_79.jpg\" alt=\"\" width=\"941\" height=\"369\" \/><\/p>\n<p>\u6839\u64da\u524d\u9762\u7684\u539f\u5247\uff0c\u53ea\u6709\u7576\u5831\u916c\u7387\u9ad8\u65bc\u63d0\u9818\u6bd4\u7387\u6642\uff0c4%\u539f\u5247\u624d\u6709\u53ef\u80fd\u904b\u4f5c\u3002<\/p>\n<p><strong>\u8981\u66f4\u9ad8\u5831\u916c\uff0c\u9700\u8981\u627f\u53d7\u591a\u4e00\u9ede\u98a8\u96aa<\/strong><\/p>\n<p>\u7531\u65bc\u9019\u662f\u70ba\u4e86\u9000\u4f11\u7684\u898f\u5283\uff0c\u56e0\u6b64\u4e26\u975e\u4ec0\u9ebc\u90fd\u53ef\u4ee5\u6295\u8cc7\uff0c\u53ea\u6709\u78ba\u8a8d\u9577\u671f\u5411\u4e0a\u7684\u6295\u8cc7\u6a19\u7684\u624d\u80fd\u9078\u64c7\u3002<\/p>\n<p>\u9664\u4e86\u65e2\u6709\u5831\u916c\u8f03\u4f4e\u7684<a href=/index.html"https:\/\/\/bond-etf-treasuries-5\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u7f8e\u570b\u516c\u50b5<\/strong><\/a>\u4ee5\u5916\uff0c\u52a0\u5165<strong>\u7f8e\u570b\u80a1\u7968ETF<\/strong>\u53ef\u80fd\u662f\u500b\u9078\u64c7\uff0c<\/p>\n<p>\u4f8b\u5982<a href=/index.html"https:\/\/\/what-is-sp500-index\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">S&amp;P500<\/a>\u7684ETF\uff0c\u7f8e\u80a1\u662f\u5168\u7403\u6700\u91cd\u8981\u7684\u80a1\u7968\u5e02\u5834\uff0c\u4e14\u7522\u696d\u591a\u5143\u5206\u6563\uff0c\u5c31\u904e\u53bb100\u5e74\u7684\u7d93\u9a57\u800c\u8a00\uff0c\u96d6\u7136\u904e\u7a0b\u4e2d\u5076\u6709\u5927\u8dcc\uff0c\u4f46\u9577\u671f\u4f9d\u7136\u4fdd\u6301\u5411\u4e0a\u6210\u9577\u3002<\/p>\n<p>\u9078\u64c7ETF\u5206\u6563\u6295\u8cc7\uff0c\u800c\u4e0d\u662f\u900f\u904e\u8cb7\u55ae\u4e00\u500b\u80a1\uff0c\u53ef\u4ee5\u907f\u514d\u9078\u80a1\u6642\u51fa\u5dee\u932f\u3002<\/p>\n<p>\u95dc\u65bc\u7f8e\u80a1ETF\u53ef\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/us-stock-etf-4\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u6700\u91cd\u8981\u76844\u5927\u985e\u7f8e\u80a1ETF\u6295\u8cc7\u4ecb\u7d39<\/a><\/p>\n<blockquote><p>\u6ce8\u610f\uff1a\u9664\u975e\u4f60\u6709\u8db3\u5920\u77e5\u8b58\uff0c\u4e0d\u7136\u5efa\u8b70\u65b0\u624b\u5148\u4e0d\u8981\u8003\u616e\u5176\u4ed6\u4efb\u4f55\u7f8e\u570b\u516c\u50b5\u8207\u7f8e\u80a1\u4ee5\u5916\u7684\u6295\u8cc7\u6a19\u7684\u3002<br \/>\n(\u4f8b\u5982\uff1a\u65b0\u8208\u5e02\u5834\u80a1\u6216\u50b5\u3001\u9ad8\u6536\u76ca\u50b5\u7b49\u7b49\uff0c\u4e0d\u61c2\u5c31\u90fd\u5148\u5225\u78b0\uff0c\u8981\u78b0\u7b49\u641e\u61c2\u518d\u8aaa)<\/p><\/blockquote>\n<p><strong>\u8cc7\u7522\u914d\u7f6e\u7d44\u5408\uff1a\u80a1\u7968+\u50b5\u5238 \u53ef\u4ee5\u8b93\u9577\u671f\u5f97\u5230\u78ba\u5b9a\u6027\u8f03\u9ad8\u7684\u6210\u679c<\/strong><\/p>\n<p>\u7576\u589e\u52a0\u4e00\u90e8\u4efd\u8cc7\u91d1\u5728\u80a1\u7968\u5e02\u5834\u5f8c\uff0c\u50b5\u5238\u4f4e\u5831\u916c\u7684\u554f\u984c\u53ef\u4ee5\u88ab\u6539\u5584\uff0c\u8b934%\u6cd5\u5247\u53ef\u4ee5\u904b\u4f5c\uff0c<\/p>\n<p>\u7576\u7136\uff0c\u4ee3\u50f9\u5c31\u662f\u5f97\u5230\u7684\u7d50\u679c\u4e26\u4e0d\u5411\u7576\u521d\u6295\u8cc7\u50b5\u5238\u9818\u5229\u606f\u4e00\u6a23\u55ae\u7d14\uff0c\u800c\u662f\u8cc7\u7522\u672c\u8eab\u50f9\u503c\u4e5f\u6703\u958b\u59cb\u6709\u8f03\u5927\u7684\u8d77\u4f0f\u3002<\/p>\n<p><strong>\u591a\u5c11\u6bd4\u4f8b\u8cc7\u91d1\u653e\u80a1\u7968\u3001\u591a\u5c11\u653e\u50b5\u5238\uff1f<\/strong><\/p>\n<p>\u9019\u88e1\u5c0d\u65bc\u80a1\u7968\u548c\u50b5\u5238\u4e26\u6c92\u6709\u7279\u5b9a\u6700\u4f73\u7684\u6bd4\u4f8b\uff0c\u56e0\u70ba\u5c0d\u8cc7\u7522\u914d\u7f6e\u800c\u8a00\uff0c\u6ce2\u52d5\u7a0b\u5ea6\u624d\u662f\u4f60\u5728\u610f\u7684\uff0c\u5831\u916c\u5247\u662f\u6b21\u8981\u7684\u4e8b\uff0c<br \/>\n\u56e0\u6b64\u672c\u4f86\u5c31\u6c92\u6709\u4e00\u500b\u6bd4\u4f8b\u662f\u6700\u5b8c\u7f8e\u7684\u3002<\/p>\n<p>\u914d\u7f6e\u6bd4\u4f8b\u56e0\u4eba\u800c\u7570\uff0c\u4f8b\u5982\u5e74\u8f15\u4eba\u6216\u4e0d\u6015\u6ce2\u52d5\u7684\u4eba\u5efa\u8b70\u80a1\u7968\u53ef\u4ee5\u591a\u4e00\u9ede\uff0c\u9000\u4f11\u65cf\u5247\u662f\u50b5\u5238\u9ad8\u4e00\u9ede\u3002<\/p>\n<p>\u53ea\u8981\u7559\u610f\u57fa\u672c\u539f\u5247\u662f\uff1a\u904e\u9ad8\u6216\u904e\u4f4e\u90fd\u4e0d\u597d\uff0c\u4f8b\u5982\u80a1\u7968\u592a\u9ad8\uff0c\u4ee3\u8868\u904e\u7a0b\u6ce2\u52d5\u53ef\u80fd\u5f88\u5287\u70c8\uff0c\u800c\u50b5\u5238\u592a\u9ad8\uff0c\u5247\u662f\u5831\u916c\u53ef\u80fd\u6703\u4e0d\u8db3\u3002<\/p>\n<p>\u5b78\u8cc7\u7522\u914d\u7f6e\u77e5\u8b58\u53ef\u770b\u9019\u7bc7\uff1a<a href=/index.html"https:\/\/\/how-asset-allocation-1\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u4ec0\u9ebc\u662f\u8cc7\u7522\u914d\u7f6e\uff1f\u8a72\u600e\u9ebc\u64cd\u4f5c\uff1f<\/a><\/p>\n<h2>4%\u6cd5\u5247\u662f\u5426\u6703\u5931\u6548\uff0c\u6216\u662f\u6709\u7f3a\u9677\u6216\u98a8\u96aa\uff1f<\/h2>\n<p>\u6709\u5e7e\u9ede\u53ef\u80fd\u7684\u98a8\u96aa\u8981\u6ce8\u610f\uff1a<\/p>\n<h3><strong>1. \u901a\u8ca8\u81a8\u8139<\/strong><\/h3>\n<p><a href=/index.html"https:\/\/\/blog-post_17-8\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u901a\u8ca8\u81a8\u8139<\/a>\u53ef\u80fd\u5c0e\u81f4\u672a\u4f86\u7684\u82b1\u8cbb\u8b8a\u9ad8\uff0c<\/p>\n<p>\u4f8b\u5982\u4f6050\u6b72\u6642\u6bcf\u6708\u751f\u6d3b\u958b\u652f\u662f10\u842c\u5143\uff0c\u523070\u6b72\u6642\u540c\u6a23\u751f\u6d3b\u54c1\u8cea\u958b\u652f\u9700\u8981\u82b1\u8cbb15\u842c\uff0c\u5982\u679c\u6295\u8cc7\u7d44\u5408\u6574\u9ad4\u6c92\u6709\u4e0a\u6f32\u7684\u8a71\uff0c\u751f\u6d3b\u54c1\u8cea\u5f88\u53ef\u80fd\u6703\u4e0b\u964d\u3002<\/p>\n<p>\u50b3\u7d71\u4e0a\u8cc7\u7522\u53ea\u914d\u50b5\u5238\uff0c\u6bd4\u8f03\u96e3\u6297\u901a\u81a8\uff0c\u4f46\u5982\u679c\u6295\u8cc7\u7d44\u5408\u6709\u914d\u7f6e\u80a1\u7968\uff0c\u591a\u5c11\u5c31\u6709\u6297\u901a\u81a8\u6548\u679c\uff0c\u4e00\u822c\u4f86\u8aaa\u8cc7\u7522\u4e5f\u6703\u96a8\u901a\u81a8\u6709\u4e00\u5b9a\u7684\u6210\u9577\u3002<\/p>\n<h3><strong>2. \u672a\u4f86\u5831\u916c\u7387\u504f\u4f4e\uff0c\u6216\u6295\u8cc7\u7d44\u5408\u767c\u751f\u6975\u7aef\u610f\u5916<\/strong><\/h3>\n<p>\u53ea\u8981\u6295\u8cc7\u5c31\u6709\u98a8\u96aa\uff0c\u50b5\u5238\u6216\u80a1\u7968\u4e5f\u53ef\u80fd\u767c\u751f\u9810\u671f\u4e4b\u5916\u7684\u7a00\u5c11\u4e8b\u4ef6\uff0c<\/p>\n<p>\u4f8b\u5982\u50b5\u5238\u5229\u7387\u7e7c\u7e8c\u964d\u5230\u63a5\u8fd1\u96f6\uff0c\u6216\u662f\u80a1\u5e02\u9047\u5230\u985e\u4f3c\u5927\u856d\u689d\u3001\u9023\u7e8c\u5341\u5e74\u4f4e\u8ff7\u7b49\u7b49\uff0c\u9020\u6210\u6295\u8cc7\u7d44\u5408\u898f\u6a21\u7e2e\u6c34\u3002<\/p>\n<p>\u96d6\u7136\u6709\u8db3\u5920\u7684\u6b77\u53f2\u6578\u64da\u652f\u6301\u7f8e\u570b\u516c\u50b5\u672a\u4f86\u6301\u7e8c\u63d0\u4f9b\u5831\u916c\uff0c\u4ee5\u53ca\u7f8e\u570b\u80a1\u5e02\u9577\u671f\u800c\u8a00\u4e0a\u6f32\uff0c<\/p>\n<p>\u4f46\u4ecd\u4e0d\u53ef\u5426\u8a8d\u96e3\u514d\u5176\u4e2d\u6703\u6709\u67d0\u4e00\u6bb5\u6642\u9593\u767c\u751f\u8667\u640d\uff0c\u6216\u5404\u7a2e\u6975\u5c0f\u6a5f\u7387\u610f\u5916\u5b58\u5728\u3002<\/p>\n<h3><strong>3. \u56fa\u5b9a\u98184%\u5f88\u53ef\u80fd\u7121\u6cd5\u914d\u5408\u4eba\u751f\u4e2d\u5c0d\u8cc7\u91d1\u7684\u9700\u6c42<\/strong><\/h3>\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u5f88\u53ef\u80fd50\u6b72\u6642\u60f3\u898f\u5283\u4e00\u6b21\u82b1\u8cbb\u5927\u984d\u7684\u9577\u671f\u6d77\u5916\u65c5\u884c\uff0c\u621660\u6b72\u6642\u7a81\u7136\u6709\u4e00\u7b46\u8f03\u5927\u7684\u91ab\u7642\u652f\u51fa\u3002<\/p>\n<p>\u4f464%\u6cd5\u5247\u7684\u898f\u5247\u672c\u8eab\uff0c\u5176\u5be6\u4e26\u4e0d\u5141\u8a31\u6211\u5011\u4e00\u6b21\u6709\u5927\u7b46\u7684\u652f\u51fa\u3002<\/p>\n<p>\u55ae\u97604%\u6cd5\u5247\u50c5\u80fd\u63d0\u4f9b\u4e00\u500b\u6301\u7e8c\u7684\u751f\u6d3b\u4fdd\u969c\uff0c\u4f46\u5c0d\u4eba\u751f\u4f86\u8aaa\u4e26\u4e0d\u898b\u5f97\u6700\u5b8c\u7f8e\u7684\u89e3\u6cd5\uff0c\u5be6\u969b\u4e0a\u4ecd\u9700\u8981\u8003\u616e\u5176\u4ed6\u642d\u914d\uff0c\u5305\u542b<a href=/index.html"https:\/\/\/emergency-reserve\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u7dca\u6025\u9810\u5099\u91d1<\/a>\u3001<a href=/index.html"https:\/\/\/3-4\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u52de\u4fdd<\/a>\u3001<a href=/index.html"https:\/\/\/dif-retire-insurance\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u52de\u9000<\/a>\u3001\u5546\u696d\u4fdd\u96aa\u7b49\u9000\u4f11\u4fdd\u969c\uff0c\u751a\u81f3\u5176\u4ed6\u7a2e\u985e\u88ab\u52d5\u6536\u5165\uff0c\u624d\u662f\u5b8c\u6574\u7684\u9000\u4f11\u898f\u5283\u3002<\/p>\n<p>\u53e6\u4e00\u500b\u5e38\u88ab\u4eba\u8a6c\u75c5\u7684\uff0c\u5c31\u662f4%\u6cd5\u5247\u5f88\u53ef\u80fd\u6703\u8b93\u524d\u671f\u592a\u7bc0\u7701\u3001\u904e\u7684\u5f88\u62ee\u636e\uff0c\u800c\u6700\u5f8c\u537b\u9322\u82b1\u4e0d\u5b8c\u3002<\/p>\n<p>\u9019\u7684\u78ba\u662f\u500b\u554f\u984c\uff0c\u96a8\u8457\u5e74\u7d00\u7684\u78ba\u53ef\u4ee5\u8003\u616e\u5c0f\u5e45\u589e\u52a0\u63d0\u9818\u7387\uff0c\u4f8b\u5982\u63d0\u9ad8\u52305%~6%\uff0c\u4f46\u9019\u6bd4\u8f03\u5c6c\u65bc\u5b89\u5168\u611f\u548c\u751f\u6d3b\u54c1\u8cea\u4e4b\u9593\u7684\u53d6\u6368\uff0c\u4e5f\u9700\u8996\u72c0\u6cc1\u800c\u5b9a\u3002<\/p>\n<h2><strong>4%\u6cd5\u5247\u7684\u4f7f\u7528\u512a\u7f3a\u9ede<\/strong><\/h2>\n<h3>4%\u6cd5\u5247\u7684\u4f7f\u7528\u512a\u9ede<\/h3>\n<ul>\n<li><span style=\"font-size: 16px;\">\u53ef\u4ee5\u5feb\u901f\u8a55\u4f30\u51fa\u9000\u4f11\u9700\u8981\u6e96\u5099\u7684\u8cc7\u91d1<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u6bcf\u5e74\u53d6\u51fa4%\u8cc7\u91d1\uff0c\u53ef\u80fd\u6c38\u9060\u53d6\u4e0d\u5b8c\uff0c\u751a\u81f3\u6700\u5f8c\u9084\u5269\u4e0b\u5f88\u591a\u9322<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u6b64\u7d93\u9a57\u6cd5\u5247\u5728\u904e\u53bb\u4e00\u76f4\u90fd\u6709\u6548<\/span><\/li>\n<\/ul>\n<h3>4%\u6cd5\u5247\u7684\u4f7f\u7528\u7f3a\u9ede<\/h3>\n<ul>\n<li><span style=\"font-size: 16px;\">\u5982\u4eca\u50b5\u5238\u5229\u7387\u6bd4\u904e\u53bb\u4f4e\u5f88\u591a\uff0c\u56e0\u6b64\u4e0d\u80fd\u55ae\u9760\u50b5\u5238\uff0c\u4f7f\u7528\u4e0a\u4ecd\u9808\u5177\u5099\u6295\u8cc7\u7d44\u5408\u76f8\u95dc\u77e5\u8b58<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u5982\u767c\u751f\u5287\u70c8\u901a\u81a8\u53ef\u80fd\u6703\u8b934%\u6cd5\u5247\u53d6\u51fa\u7684\u8cc7\u91d1\u4e0d\u5920\u4f7f\u7528<\/span><\/li>\n<li><span style=\"font-size: 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