{"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":"
<\/p>\n
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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 <\/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 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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\n