{"id":3161,"date":"2018-11-08T21:08:45","date_gmt":"2018-11-08T13:08:45","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=3161"},"modified":"2018-11-22T16:19:24","modified_gmt":"2018-11-22T08:19:24","slug":"%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a15-%e9%80%80%e4%bc%91%e9%96%8b%e6%94%af%e7%9a%84%e5%be%ae%e7%ac%91","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2018\/11\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a15-%e9%80%80%e4%bc%91%e9%96%8b%e6%94%af%e7%9a%84%e5%be%ae%e7%ac%91\/","title":{"rendered":"\u9000\u4f11\u7406\u8ca1#5 – \u9000\u4f11\u958b\u652f\u7684\u5fae\u7b11"},"content":{"rendered":"

\u9000\u4f11\u7406\u8ca1#5 –\u00a0\u9000\u4f11\u958b\u652f\u7684\u5fae\u7b11<\/strong><\/span><\/h2>\n

 <\/p>\n

\u7e8c\u4e0a\u6587<\/span><\/a><\/p>\n

 <\/p>\n

\u9000\u4f11\u5f8c\u7684\u6536\u5165\u53ca\u958b\u652f\u4eba\u4eba\u4e0d\u540c\uff0c\u5f88\u96e3one-size-fits-all\uff0c\u60df\u6709\u591a\u65b9\u9762\u4e86\u89e3\u53ca\u904b\u7528\uff0c\u524d\u6587<\/a>\u53ca\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c112\u9801\u8a0e\u8ad6\u4e86\u4ee54%\u9000\u4f11\u91d1\u63d0\u53d6\u7387\u70ba\u958b\u652f\u7684\u51fa\u767c\u9ede\uff0c\u4e4b\u5f8c\u6309\u901a\u8139\u52a0\u6e1b\u4e0b\u5e74\u958b\u652f\uff0c\u7c21\u7a31\u300e4%\u6cd5\u5247\u300f<\/strong><\/span>\u3002<\/span><\/p>\n

 <\/p>\n

\u6b64\u300e4%\u6cd5\u5247\u300f<\/strong><\/span>\u5047\u8a2d\u4e86\u9000\u4f11\u5f8c\u958b\u652f\u6c34\u5e73\u8207\u9000\u4f11\u524d\u5dee\u4e0d\u591a\uff0c\u4e4b\u5f8c\u96a8\u901a\u8139\u52a0\u6e1b\u4e0b\u7684\u958b\u652f\uff0c\u5176\u5be6\u53ea\u662f\u7dad\u6301\u9000\u4f11\u524d\u7684\u958b\u652f\u6c34\u5e73\u3002\u4f46\u5916\u570b\u6709\u4e9b\u7814\u7a76\u767c\u73fe\uff081<\/a>\u00a0 2<\/a>\uff09\uff0c\u9000\u4f11\u5f8c\u958b\u652f\uff08\u6e1b\u53bb\u901a\u8139\u5f71\u97ff\u4e0b\uff09\u5176\u5be6\u6703\u6709\u4e09\u500b\u968e\u6bb5\uff1a<\/span><\/p>\n

 <\/p>\n

    \n
  1. \u9000\u4f11\u5f8c\u982d\u5e7e\u5e74\u958b\u652f\u6309\u5e74\u6e1b\u5c111%\u81f375\u6b72\uff1b<\/span><\/li>\n
  2. 75\u6b72\u81f380\/85\u6b72\u958b\u652f\u5927\u81f4\u6301\u5e73\uff1b<\/span><\/li>\n
  3. 80\/85\u6b72\u5f8c\u91ab\u7642\u958b\u652f\u589e\u52a0\u3002<\/span><\/li>\n<\/ol>\n

     <\/p>\n

    \u6b64\u300c\u6e1b\uff0d\u5e73\uff0d\u52a0\u300d\u7684\u9000\u4f11\u5f8c\u958b\u652f\u6a21\u5f0f\uff0c\u5716\u50cf\u5316\u4e0b\u4fbf\u662f\u4e00\u500b\u5fae\u7b11\u7b26\u865f\uff0c\u5916\u570b\u9000\u4f11\u7814\u7a76\u5b78\u8005\u7c21\u7a31\u4e4b\u70baretirement smile<\/a>\uff08\u672c\u6587\u7a31\u70ba\u300e\u5fae\u7b11\u6cd5\u5247\u300f<\/span><\/strong>\uff09\u3002<\/span><\/p>\n

     <\/p>\n

    \"<\/a><\/p>\n

    \u898b\uff1ahttps:\/\/www.onefpa.org\/journal\/Pages\/MAY14-Exploring-the-Retirement-Consumption-Puzzle-.aspx<\/a><\/p>\n

     <\/p>\n

     <\/p>\n

    \u7531\u65bc\u300e4%\u6cd5\u5247\u300f\u65bc\u6e1b\u53bb\u901a\u8139\u5f71\u97ff\u4e0b\u53ea\u662f\u4e00\u689d\u6a6b\u7dda\uff08\u898b\u4e0b\u5716\uff09\uff0c\u5373\u5047\u8a2d\u9000\u4f11\u5f8c\u958b\u652f\u56fa\u5b9a\uff1b\u4f46\u300e\u5fae\u7b11\u6cd5\u5247\u300f\u8a8d\u70ba\u9000\u4f11\u5f8c\u5148\u8dcc\u5f8c\u5347\u3002<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

    \"<\/a><\/p>\n

     <\/p>\n

    \u7814\u7a76\u4e0d\u540c\u9000\u4f11\u5f8c\u958b\u652f\u6a21\u5f0f\u7684\u539f\u56e0\uff0c\u662f\u56e0\u61c9\u4e0d\u540c\u958b\u652f\u6a21\u5f0f\uff0c\u61c9\u8a72\u6709\u76f8\u5c0d\u61c9\u7684\u6536\u5165\u6a21\u5f0f<\/span><\/strong>\u3002<\/span><\/p>\n

     <\/p>\n

    \u5c0d\u61c9\u9000\u4f11\u5f8c\u96a8\u901a\u8139\u52a0\u6e1b\u7684\u300e4%\u6cd5\u5247\u300f\uff0c\u4e0d\u96a8\u901a\u8139\u52a0\u6e1b\u7684\u653f\u5e9c\u5e74\u91d1\u5176\u5be6\u4e0d\u5b8c\u5168\u5408\u9069\uff0c\u56fa\u5b9a\u6d3e\u606f\u7684\u55ae\u4e00\u50b5\u5238\u540c\u6a23\u4e0d\u5b8c\u5168\u5408\u9069\uff1b\u5373\u4f7f\u5c0d\u61c9\u5148\u6e1b\u5f8c\u52a0\u7684\u300e\u5fae\u7b11\u6cd5\u5247\u300f\uff0c\u4ea6\u4e0d\u9069\u5b9c\u53ea\u4f9d\u8cf4\u56fa\u5b9a\u6d3e\u606f\u7684\u6295\u8cc7\u7269\u3002<\/span><\/p>\n

     <\/p>\n

    \u9280\u884c\u5b58\u6b3e\u5229\u7387\u901a\u5e38\u6703\u96a8\u901a\u8139\u52a0\u6e1b\uff0c\u6240\u4ee5\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u53ef\u65bc\u300e\u5fae\u7b11\u6cd5\u5247\u300f\u671f\u9593\u8fd1\u4e4e\u96f6\u98a8\u96aa\u5730\u7d2f\u7a4d\u8cc7\u7522\uff0c\u5982\u679c\u80fd\u627f\u64d4\u66f4\u591a\u98a8\u96aa\u7684\uff0c\u5982\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c118\u9801\u76842%\u6309\u6708\u6ce2\u5e45\uff0c\u8207\u300e\u5fae\u7b11\u6cd5\u5247\u300f\u7b2c\u4e8c\u968e\u6bb5\u768410\u81f320\u5e74\u6295\u8cc7\u671f\u4fbf\u6070\u597d\u914d\u5408\uff08\u6309\u6708\u6ce2\u5e45\u8207\u6295\u8cc7\u5e74\u671f\u7684\u95dc\u4fc2\u898b\u6b64\u6587<\/a>\uff09\uff0c\u4ee4\u8cc7\u7522\u7d2f\u7a4d\u5f97\u66f4\u591a\uff0c\u66f4\u597d\u5730\u9810\u5099\u91ab\u7642\u958b\u652f\u589e\u52a0\u7684\u7b2c3\u968e\u6bb5\u3002<\/span><\/p>\n

     <\/p>\n

    \u9664\u4e86\u56fa\u5b9a\u7684\u300e4%\u6cd5\u5247\u300f\uff0c\u5148\u6e1b\u5f8c\u52a0\u7684\u300e\u5fae\u7b11\u6cd5\u5247\u300f\uff0c\u9084\u6709\u52d5\u614b\u7684\u958b\u652f\u7b56\u7565<\/span><\/strong>\u3002\u5176\u4e2d\uff0c\u6309\u6295\u8cc7\u6210\u7e3e\u800c\u91cf\u5165\u70ba\u51fa\u7684\u958b\u652f\u6cd5\u5247\uff0c\u662f\u4e00\u500b\u6309\u80a1\u5e02\u6c23\u6c1b\u7684\u65b9\u6cd5\uff0c\u4e3b\u8981\u8003\u616eCAPE\u6578\u5b57\uff0c\u8a73\u898b\u524d\u6587<\/a>\u3002<\/span><\/p>\n

     <\/p>\n

    \u5982\u679c\u9000\u4f11\u8cc7\u7522\u4e0d\u96c6\u4e2d\u65bc\u80a1\u7968\uff0c\u53ef\u6309Vangaurd \u7684Dynamic spending<\/a>\uff0c\u6b64\u65b9\u6cd5\u662f\u6309\u9000\u4f11\u8cc7\u7522\u65bc\u5e02\u6cc1\u597d\u6642\u63d0\u53d6\u591a\u4e00\u9ede\uff0c\u5e02\u6cc1\u5dee\u6642\u63d0\u53d6\u5c11\u4e00\u9ede\uff0c\u76ee\u7684\u4ee4\u9000\u4f11\u8cc7\u7522\u4e0d\u6703\u7528\u5b8c\uff0c\u4f46\u58de\u8655\u662f\u6709\u53ef\u80fd\u6108\u4f86\u6108\u5c11\u9322\u53ef\u7528\u4f5c\u70ba\u958b\u652f\u3002<\/span><\/p>\n

     <\/p>\n

    \u842c\u4e08\u9ad8\u6a13\u5f9e\u5730\u8d77\uff0c\u9000\u4f11\u5f8c\u958b\u652f\u662f\u9700\u8981\u81ea\u5df1\u8a08\u5283\u4e00\u4e0b\uff0c\u9996\u5148\u8a18\u9304\u4e00\u4e0b\u6240\u6709\u7684\u958b\u652f\uff0c\u7136\u5f8c\u5c07\u958b\u652f\u5206\u985e\u70ba\u5fc5\u9700\uff08necessity\uff09\u3001\u975e\u5fc5\u8981\uff08nice to have\uff09\u3001\u5962\u4f88\uff08luxury\uff09\u4e09\u985e\u3002\u4f8b\u5982\u53bb\u9ea5\u8a18\u53eb\u5957\u9910\u662f\u300c\u5fc5\u9700\u300d\uff0c\u52a0\u5927\u70ba\u300c\u975e\u5fc5\u8981\u300d\uff0c\u53e6\u52a0\u96ea\u699a\u662f\u300c\u5962\u4f88\u300d\u3002\u70ba\u958b\u652f\u88fd\u4f5c\u9810\u7b97\uff0c\u597d\u8b93\u81ea\u5df1\u8003\u616e\u9000\u4f11\u5f8c\u8cc7\u7522\u914d\u7f6e\u6642\uff0c\u6709\u5be6\u969b\u7684\u60c5\u666f\u4f5c\u53c3\u8003\u3002<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

    \u4e0b\u6587\u7e8c<\/span><\/a><\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

    \u5ef6\u4f38\u95b1\u8b80\uff1a<\/strong><\/span><\/p>\n

     <\/p>\n

    \u9000\u4f11\u958b\u652f\u4e94\u82b1\u767e\u9580\uff0c\u5b9c\u4f5c\u591a\u65b9\u9762\u4e86\u89e3\uff0c\u5c24\u5176\u662f\u5176\u4ed6\u5730\u65b9\u53ca\u5b78\u8005\u7684\u7d93\u9a57\uff0c\u9999\u6e2f\u7684\u7814\u7a76\u4e00\u822c\u53ea\u5f9e\u554f\u7b54\u8a2a\u554f\u800c\u4f86\uff0c\u6709\u6642\u4e0d\u592a\u7406\u6027\uff0c\u4e00\u6642\u4e00\u6a23\uff0c\u7b54\u6848\u8cea\u91cf\u672a\u5fc5\u53ef\u9760\u3002<\/p>\n

     <\/p>\n

    \u6d77\u5916\u9000\u4f11\u8abf\u67e5<\/p>\n

    https:\/\/www.prudential.co.uk\/~\/media\/Files\/P\/Prudential-V2\/content-pdf\/retirement-journeys.pdf<\/a><\/span><\/p>\n

     <\/p>\n

    \u9999\u6e2f\u9000\u4f11\u8abf\u67e5<\/p>\n

    https:\/\/www.hkupop.hku.hk\/english\/report\/MPF2017_Convoy\/resources\/ppt.pdf<\/a><\/span><\/p>\n

     <\/p>\n

    \u9000\u4f11\u958b\u652f\u7814\u7a76<\/p>\n

    https:\/\/www.onefpa.org\/journal\/Pages\/MAY14-Exploring-the-Retirement-Consumption-Puzzle-.aspx<\/a><\/span><\/p>\n

     <\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    \u9000\u4f11\u7406\u8ca1#5 –\u00a0\u9000\u4f11\u958b\u652f\u7684\u5fae\u7b11   \u7e8c\u4e0a\u6587   \u9000\u4f11\u5f8c\u7684\u6536\u5165\u53ca\u958b\u652f\u4eba\u4eba\u4e0d\u540c\uff0c…<\/p>\n","protected":false},"author":1,"featured_media":3163,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":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","enabled":false},"version":2}},"categories":[69],"tags":[39,54,22,7,27,50],"class_list":["post-3161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-69","tag-buy-hold","tag-position-sizing","tag-22","tag-7","tag-27","tag-50"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/10\/retirement-smile-2.png?fit=960%2C723&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-OZ","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/3161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/comments?post=3161"}],"version-history":[{"count":5,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/3161\/revisions"}],"predecessor-version":[{"id":3255,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/3161\/revisions\/3255"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/3163"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=3161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=3161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=3161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}