{"id":7448,"date":"2022-10-31T03:43:10","date_gmt":"2022-10-30T19:43:10","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=7448"},"modified":"2022-10-31T03:43:10","modified_gmt":"2022-10-30T19:43:10","slug":"%e6%8a%95%e8%b3%87%e7%b6%93%e7%90%86%e8%aa%a4%e5%b0%8e%e5%85%ac%e7%9c%be","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2022\/10\/%e6%8a%95%e8%b3%87%e7%b6%93%e7%90%86%e8%aa%a4%e5%b0%8e%e5%85%ac%e7%9c%be\/","title":{"rendered":"\u6295\u8cc7\u7d93\u7406\u8aa4\u5c0e\u516c\u773e"},"content":{"rendered":"<h2><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">\u6295\u8cc7\u7d93\u7406\u8aa4\u5c0e\u516c\u773e<\/span><\/strong><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">2022\u5e74\u5e74\u4e2d\u6709\u4e00\u55ae\u65b0\u805e\uff0c\u5c31\u662f<strong><span style=\"color: #04b2f2;\">Charles Schwab (\u5609\u4fe1)<\/span><\/strong> \u88ab\u7f8e\u570b\u8b49\u76e3\u6703\u7f70\u6b3e1.87\u5104\u7f8e\u5143\uff0c\u539f\u56e0\u662f\u5609\u4fe1\u8aa4\u5c0e\u516c\u773e\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.cnbc.com\/2022\/06\/13\/charles-schwab-will-pay-187-million-to-settle-sec-robo-advisor-claims.html\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.cnbc.com\/2022\/06\/13\/charles-schwab-will-pay-187-million-to-settle-sec-robo-advisor-claims.html<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.sec.gov\/news\/press-release\/2022-104\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"broken_link\">https:\/\/www.sec.gov\/news\/press-release\/2022-104<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u9019\u4e9b\u72af\u898f\u88ab\u7f70\u6b3e\u7684\u65b0\u805e\u6bcf\u9694\u5e7e\u500b\u6708\u5c31\u6709\u4e00\u5b97\uff0c\u597d\u50cf\u4e0d\u592a\u7279\u5225\uff0c\u4e0d\u904e\u7b46\u8005\u770b\u5b8c\u7d30\u7bc0\uff0c\u611f\u5230\u540c\u6a23\u60c5\u6cc1\u6703\u6709\u53ef\u80fd\u51fa\u73fe\u5728\u5f37\u7a4d\u91d1\u8eab\u4e0a\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5609\u4fe1\u9019\u55ae\u6848\u4ef6\u662f\u9019\u6a23\u7684\uff0c\u8a71\u8aaaRobo advisor \u65bc\u8fd1\u5e74\u9817\u53d7\u9752\u775e (\u898b<a href=\"https:\/\/www.mpfdiy.com\/2022\/05\/robo-advisor%e7%9a%84%e7%99%bc%e5%b1%95\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u524d\u6587<\/a>)\uff0c\u65bc\u662f\u5609\u4fe1\u53c8\u5b78\u4eba\u505a\u4e86\u4e00\u96bb\u53eb Schwab Intelligent Portfolios (<span style=\"color: #04b2f2;\">SIP<\/span>)\u00a0 \u7684\u6771\u897f\uff0c\u865f\u7a31\u80fd\u5920\u6709\u7d00\u5f8b\u5730\u66ff\u5ba2\u4eba\u9032\u884c\u8cc7\u7522\u914d\u7f6e\uff0c\u800c\u4e14\u53c8\u80fd\u5920\u512a\u5316(optimize) \u6295\u8cc7\u56de\u5831\uff0c\u9084\u6709\u6700\u91cd\u8981\u7684\u4e00\u9805\uff0c\u5c31\u662f\u4e0d\u6536\u9867\u554f\u8cbb(no advisory fee)\uff0c\u4ee4\u5927\u773e\u89ba\u5f97\u5341\u5206\u7740\u6578\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4f46<span style=\"color: #04b2f2;\">\u83ef\u723e\u8857\u7684\u6295\u8cc7\u5c08\u5bb6\u4e0d\u662f\u958b\u5584\u5802<\/span>\uff0c\u5187\u7740\u6578\u5605\u5622\u53c8\u9ede\u6703\u505a\uff0c\u514d\u8cbb\u597d\u591a\u6642\u90fd\u4fc2\u6700\u8cb4(\u898b<a href=\"https:\/\/www.mpfdiy.com\/2020\/07\/%e5%85%8d%e8%b2%bb%e5%96%ba%e6%9c%80%e8%b2%b4%ef%bc%9f\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u524d\u6587<\/a>)\u3002\u7531\u7f8e\u570b\u8b49\u76e3\u6703\u7684\u8abf\u67e5\u767c\u73fe\uff0c\u5609\u4fe1\u5c31\u662f\u5229\u7528\u8cc7\u7522\u914d\u7f6e\u5167\u7684<strong><span style=\"color: #04b2f2;\">cash<\/span><\/strong> \u53bb\u63fe\u7740\u6578\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4e3b\u52d5\u578b\u7684\u8cc7\u7522\u914d\u7f6e asset allocation \u662f\u6703\u6309\u5e02\u6cc1\u53bb\u8abf\u6574\u80a1\u50b5\u6bd4\u4f8b\uff0c\u751a\u81f3\u6703\u591a\u7528cash \u73fe\u91d1\u53bb\u907f\u96aa\uff0c\u300c\u7a4d\u91d1\u5927\u53cd\u64ca\u300d\u5167\u7684\u79fb\u52d5\u5e73\u5747\u53ca\u52d5\u529b\u6295\u8cc7\u5169\u7a2e\u7b56\u7565\uff0c\u4ea6\u904b\u7528\u4fdd\u5b88\u57fa\u91d1\u53bb\u907f\u96aa\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u8dcc\u5e02\u6642\u6bb5\u6301\u6709cash \u6bd4\u4f8b\u8f03\u9ad8\u597d\u5408\u7406\uff0c<span style=\"color: #ff0000;\">\u4f46\u65fa\u5e02\u6642\u5019\u4ea6\u6301\u6709\u4e00\u5927\u5806cash \u5c31\u4e0d\u5408\u7406<\/span>\uff0c\u4ea6\u4e0d\u662f\u6240\u8b02\u7684\u300c\u80fd\u5920\u512a\u5316\u6295\u8cc7\u56de\u5831\u300d\uff0c\u56e0\u70ba\u65fa\u5e02\u6642\u5019\u6301\u6709cash \u7684\u56de\u5831\u662f\u5dee\u65bc\u6301\u6709\u80a1\u7968\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u56de\u5831\u8868\u73fe\u5dee\u4e0d\u662f\u6b7b\u7f6a\uff0c\u5426\u5247\u5404\u500b\u5f37\u7a4d\u91d1\u6295\u8cc7\u7d93\u7406\u5df2\u7d93\u6b7b\u6652\uff0c\u5609\u4fe1\u7684SIP \u4e4b\u6240\u4ee5\u88ab\u7f8e\u570b\u8b49\u76e3\u6703\u76ef\u4e0a\uff0c<span style=\"color: #ff0000;\"><strong>\u539f\u56e0\u662f\u5609\u4fe1\u5229\u7528\u5ba2\u6236\u7684cash \u53bb\u8b00\u5229\uff0c\u8b8a\u76f8\u7a7f\u6ac3\u6876\u5e95\uff01<\/strong><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u8b49\u76e3\u6703\u7684\u8abf\u67e5\u767c\u73fe\uff0c\u539f\u4f86\u5609\u4fe1\u65bc\u65fa\u5e02\u6642\u4ecd\u7136\u8981\u5ba2\u6236\u6301\u6709\u8f03\u591acash\u7684\u80cc\u5f8c\u539f\u56e0\uff0c\u4e0d\u662fSIP \u7684\u6a5f\u68b0\u4eba\u5206\u6790\u7d50\u679c\uff0c\u800c\u662f\u7ba1\u7406\u5c64\u4eba\u70ba\u7684\u4e3b\u89c0\u5b89\u6392\uff0c\u7121\u8ad6\u7d93SIP \u8a08\u7b97\u4e0b\u7684cash \u914d\u7f6e\u6bd4\u4f8b\u6709\u5e7e\u4f4e\uff0c\u7ba1\u7406\u5c64\u90fd\u6703\u4eba\u70ba\u8a2d\u5b9a\u4e00\u500b\u8f03\u9ad8\u7684\u6301\u6709cash \u914d\u984d\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab1.jpg?ssl=1\" target=\"_blank\" rel=\"noopener noreferrer\"><img data-recalc-dims=\"1\" title=\" \"loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-7451 size-full\" src=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab1.jpg?resize=720%2C524&#038;ssl=1\" alt=\" \" width=\"720\" height=\"524\" srcset=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab1.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab1.jpg?resize=300%2C218&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab1.jpg?resize=1024%2C745&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab1.jpg?resize=768%2C559&amp;ssl=1 768w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4f55\u89e3\u660e\u660e\u662frobo advisor \u53c8\u8981\u5f37\u52a0\u4eba\u70ba\u5224\u65b7\u5462\uff1f\u662f\u5bb3\u6015\u6a5f\u68b0\u4eba\u51fa\u932f\u800c\u9700\u8981\u4eba\u70ba\u4fee\u6b63\uff1f\u975e\u4e5f\uff0c\u800c\u662f\u56e0\u70ba\u5609\u4fe1\u5167\u5bb9\u5df2\u7d93\u5c0d\u9019\u6279cash \u53e6\u6709\u5b89\u6392\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u539f\u4f86\uff0c\u5609\u4fe1\u4eba\u70ba\u5730\u6539\u8b8arobo advisor \u7684\u6295\u8cc7\u5efa\u8b70\uff0c\u8981\u4ee4\u5ba2\u6236\u6301\u6709\u591a\u4e9bcash\uff0c<span style=\"color: #ff0000;\">\u76ee\u7684\u662f\u8981\u5c07\u9019\u4e9bcash \u4f4e\u50f9\u5730\u4ea4\u7d66\u81ea\u5df1\u59ca\u59b9\u9280\u884c\u505a\u672c\u91d1<\/span>\uff0c<span style=\"color: #ff0000;\">\u7136\u5f8c\u8cb8\u6b3e\u7d66\u5176\u4ed6\u4eba\u53bb\u6536\u53d6\u9ad8\u606f<\/span>\u3002\u5373\u662f\u6295\u8cc7\u7d93\u7406\u62ff\u4e86\u4f60\u7684\u9322\u4e0d\u53bb\u6295\u8cc7\uff0c\u800c\u662f\u7528\u4f4e\u65bc\u5e02\u5834\u56de\u5831\u53bb\u4ea4\u4e86\u8cc7\u91d1\u7d66\u81ea\u5df1\u53cb\uff0c\u8b93\u81ea\u5df1\u53cb\u8cfa\u9322\uff0c\u4f46\u5ba2\u6236\u4e00\u6beb\u5b50\u90fd\u6536\u5514\u5230\uff0c\u5373\u662f\u8b8a\u76f8\u7a7f\u6ac3\u6876\u5e95\uff1a\u8755\u5c31\u4f60\u5605\uff0c\u8cfa\u5c31\u6211\u5605\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5609\u4fe1\u9019\u7a2e\u884c\u70ba\u5b8c\u5168\u7834\u58de\u4e86\u5b83\u5c0d\u5ba2\u6236\u61c9\u6709\u7684\u8aa0\u4fe1\uff0c\u5ba2\u6236\u4ea4\u4ed8\u7d66\u4f60\u6295\u8cc7\uff0c\u4f60\u975e\u4f46\u4e0d\u6295\u8cc7\uff0c\u53cd\u800c\u5c07\u8cc7\u91d1\u4f4e\u50f9\u5de6\u624b\u4ea4\u53f3\u624b\uff0c\u7136\u5f8c\u62ff\u4f86\u505a\u81ea\u5df1\u751f\u610f\u8cfa\u9322\u5165\u81ea\u5df1\u888b\u3002\u9019\u4e9b\u5931\u53bb\u7684\u6a5f\u6703\u6210\u672c\uff0c\u5df2\u7d93\u662f\u96b1\u85cf\u6536\u8cbb\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab2.jpg?ssl=1\" target=\"_blank\" rel=\"noopener noreferrer\"><img data-recalc-dims=\"1\" title=\" \"loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-7452 size-full\" src=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab2.jpg?resize=720%2C170&#038;ssl=1\" alt=\" \" width=\"720\" height=\"170\" srcset=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab2.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab2.jpg?resize=300%2C71&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab2.jpg?resize=1024%2C241&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab2.jpg?resize=768%2C181&amp;ssl=1 768w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u9019\u7a2e\u83ef\u723e\u8857\u7a7f\u6ac3\u6876\u5e95\u7684\u6280\u5006\uff0c\u4ee4\u7b46\u8005\u4e0d\u7981\u601d\u7d22\uff0c<strong><span style=\"color: #04b2f2;\">\u65bc\u5176\u4ed6\u91d1\u878d\u9818\u57df\u5167\u6709\u5426\u4eba\u897f\u9870\u6771\u6548\uff1f<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5f37\u7a4d\u91d1\u5167\u7684<span style=\"color: #04b2f2;\"><strong>\u4fdd\u5b88\u57fa\u91d1\u4ea6\u662f\u6301\u6709\u4e00\u5927\u5806cash<\/strong><\/span>\uff0c\u7e3d\u503c\u8d85\u904e1000\u5104\u6e2f\u5143\uff0c\u9577\u671f\u9ad8\u6536\u8cbb\u4f46\u4f4e\u56de\u5831\uff0c\u7b46\u8005\u767c\u73fe<span style=\"color: #04b2f2;\"><strong>\u4fdd\u5b88\u57fa\u91d1<\/strong><\/span>\u6709\u4ee5\u4e0b<strong><span style=\"color: #04b2f2;\">\u4e09\u5927\u5947\u602a\u8868\u73fe <\/span><\/strong>:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">1. \u4fdd\u5b88\u57fa\u91d1\u4f54\u8a08\u5283\u8cc7\u7522\u6bd4\u4f8b\u904e\u591a<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4fdd\u5b88\u57fa\u91d1\u662f\u6c92\u6709\u9322\u8cfa\uff0c\u53ea\u9069\u5408\u77ed\u671f\u907f\u96aa\u4e4b\u7528\u3002\u4f46\u4e00\u4e9b\u8a08\u5283\u5167\u7684\u4fdd\u5b88\u57fa\u91d1\u8cc7\u7522\u503c\uff0c\u9577\u671f\u4f54\u8a72\u8a08\u5283\u7684\u8cc7\u7522\u7e3d\u503c\u904e\u9ad8\u6bd4\u4f8b\uff0c\u4fdd\u5b88\u57fa\u91d1\u4f54\u5f37\u7a4d\u91d1\u6574\u9ad4\u5e73\u5747\u53ea\u670910%\u5de6\u53f3\uff0c\u4f46\u5728\u4e00\u4e9b\u8a08\u5283\u4e4b\u5167\u6703\u6bd4\u8d77\u5176\u4ed6\u8a08\u5283\u5e73\u5747\u6578\u66f4\u9ad8\u3002\u8a08\u5283\u53d7\u8a17\u4eba\u6709\u8cac\u4efb\u53bb\u63d0\u9192\u53ca\u6559\u80b2\u8a08\u5283\u6210\u54e1\u5982\u4f55\u53bb\u5584\u7528\u8cc7\u7522\uff0c\u63d0\u5347\u56de\u5831\uff0c\u800c\u4e0d\u662f\u4efb\u7531\u8a08\u5283\u5167\u7684\u4fdd\u5b88\u57fa\u91d1\u8cc7\u7522\u503c\u9577\u671f\u4e0d\u65b7\u81a8\u8139\u3002\u9019\u5c0d\u8a08\u5283\u6210\u54e1\u6c92\u6709\u597d\u8655\uff0c\u5c24\u5176\u65fa\u5e02\u671f\u9593\u3002\u7406\u8ad6\u4e0a\u4ea6\u5c0d\u8a08\u5283\u53d7\u8a17\u4eba\u6c92\u6709\u597d\u8655\uff0c\u56de\u5831\u4f4e\u4ee4\u8cc7\u7522\u503c\u63d0\u5347\u4e0d\u4e86\uff0c\u4ee4\u6309\u8cc7\u7522\u503c\u800c\u8a08\u7b97\u7684\u6536\u8cbb\u4ea6\u63d0\u5347\u4e0d\u4e86\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab4.jpg?ssl=1\" target=\"_blank\" rel=\"noopener noreferrer\"><img data-recalc-dims=\"1\" title=\" \"loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-7460 size-full\" src=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab4.jpg?resize=720%2C809&#038;ssl=1\" alt=\" \" width=\"720\" height=\"809\" srcset=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab4.jpg?w=757&amp;ssl=1 757w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab4.jpg?resize=267%2C300&amp;ssl=1 267w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">2. \u4fdd\u5b88\u57fa\u91d1\u7684\u5be6\u8cea\u6536\u8cbb\u9060\u4f4e\u65bc\u6b63\u5e38\u6536\u8cbb<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4fdd\u5b88\u57fa\u91d1\u6709\u4e00\u9805\u7279\u8272\uff0c\u5c31\u662f\u56de\u5831\u4f4e\u65bc\u8a02\u660e\u5132\u84c4\u5229\u7387\u4ee5\u4e0b\u5c31\u4e0d\u80fd\u591a\u6536\u8cbb\u3002\u9019\u500b\u672c\u8eab\u662f\u597d\u4e8b\uff0c\u4f46\u5982\u679c\u9577\u5e74\u4e0b\u4f86\uff0c\u8a08\u5283\u53d7\u8a17\u4eba\u4e0d\u80fd\u5f9e\u4fdd\u5b88\u57fa\u91d1\u6536\u53d6\u8db3\u5920\u8cbb\u7528\u53bb\u62b5\u92b7\u5fc5\u8981\u7684\u958b\u652f\uff0c\u800c\u9700\u8981\u9577\u671f\u5012\u8cbc\uff0c\u6703\u6709\u4ec0\u9ebc\u5f8c\u679c\uff1f\u6703\u5f9e\u5176\u4ed6\u57fa\u91d1\u7684\u6536\u8cbb\u53bb\u88dc\u8cbc\uff1f\u6703\u60f3\u8fa6\u6cd5\u589e\u52a0\u4fdd\u5b88\u57fa\u91d1\u7684\u5229\u7387\u56de\u5831(\u898b\u4e0b\u9762\u7b2c3\u9ede)? \u6703\u53eb\u8a08\u5283\u6210\u54e1\u4e0d\u8981\u591a\u653e\u4fdd\u5b88\u57fa\u91d1(\u898b\u4e0a\u9762\u7b2c1\u9ede)?\u00a0 \u9084\u662f\u4e0d\u5728\u4e4e\uff0c\u65e5\u65e5\u770b\u7740\u81ea\u5df1\u516c\u53f8\u65bc\u4fdd\u5b88\u57fa\u91d1\u4e0d\u65b7\u5931\u8840\uff0c\u597d\u50cf\u958b\u5584\u5802\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">3. \u4fdd\u5b88\u57fa\u91d1\u6301\u6709\u7269\u662f0% \u56de\u5831<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u524d\u6587(<a href=\"https:\/\/www.mpfdiy.com\/2019\/12\/%e4%bf%9d%e5%ae%88%e5%9f%ba%e9%87%91%e7%9a%84%e5%84%aa%e5%8a%a3%e6%af%94%e8%bc%83\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u898b\u6b64<\/a>) \u5df2\u7d93\u8a0e\u8ad6\u4e86\u9019\u500b\u73fe\u8c61\uff0c\u70ba\u4ec0\u9ebc\u9019\u6a23\u7c21\u55ae\u7684\u6e2f\u51433\u500b\u6708\u9280\u884c\u5b9a\u671f\uff0c\u65bc\u4e0d\u540c\u7684\u4fdd\u5b88\u57fa\u91d1\u5167\u6703\u51fa\u73fe\u90a3\u9ebc\u591a\u9ad8\u4f4e\u4e0d\u540c\u7684\u5b9a\u671f\u5229\u7387\u3002\u5982\u679c\u5927\u5bb6\u770b\u770b\u4f4e\u6536\u8cbb\u7684\u4fdd\u5b88\u57fa\u91d1\uff0c\u6703\u767c\u73fe10\u5927\u6301\u6709\u7269\u4e4b\u4e2d\uff0c\u540c\u671f\u540c\u984d\u7684\u9280\u884c\u5b9a\u671f\u7968\u64da\uff0c\u53ef\u4ee5\u4e00\u96bb\u67091.5%\u56de\u5831\u7387\uff0c\u53e6\u4e00\u96bb\u7adf\u7136\u662f0%\u56de\u5831\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">\u5c0f\u7d50<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u9019\u7bc7\u6587\u7ae0\u7684\u6a19\u984c\u662f\u91dd\u5c0d\u5609\u4fe1\u88ab\u7f70\u4e00\u4e8b\uff0c\u800c\u4e0d\u662f\u5f37\u7a4d\u91d1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4ee5\u5f80\u7b46\u8005\u592a\u6e05\u7d14\u4e0d\u660e<span style=\"color: #000000;\">\u767d\u4e0a\u8ff0\u4fdd\u5b88\u57fa\u91d1\u9019\u4e09\u5927\u5947\u602a\u8868\u73fe<\/span>\uff0c<span style=\"color: #ff0000;\">\u770b\u5b8c\u5609\u4fe1\u7684\u6848\u4ef6\u80cc\u5f8c\u7684\u64cd\u4f5c\u53ca\u7a7f\u6ac3\u6876\u5e95\u7684\u884c\u70ba<\/span>\uff0c\u9019\u4e9b\u83ef\u723e\u8857\u7684\u52a3\u884c\u6c61\u67d3\u4e86\u7b46\u8005\u7684\u6e05\u7d14\u601d\u60f3\uff0c\u4ee4\u7b46\u8005\u7528\u5c0f\u4eba\u4e4b\u5fc3\u53bb\u5ea6\u541b\u5b50\u4e4b\u8179\uff0c\u53bb\u5e7b\u60f3\u51fa\u65bc\u5e73\u884c\u5b87\u5b99(\u4e0d\u662fearth-616 )\u4e00\u4e9b\u80fd\u5920\u89e3\u91cb\u4e0a\u8ff0<strong><span style=\"color: #04b2f2;\">\u4e09\u5927\u4fdd\u5b88\u57fa\u91d1\u5947\u602a\u8868\u73fe<\/span><\/strong>\u7684\u53ef\u80fd\u6027 :<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p><em><span style=\"font-size: 14pt;\"><span style=\"color: #ff0000;\"><strong>\u662f\u5426\u65bc\u5e73\u884c\u5b87\u5b99\u4e4b\u5167\uff0c\u6709\u8a08\u5283\u53d7\u8a17\u4eba\u6216\u4fdd\u85a6\u4eba\uff0c\u76ef\u4e0a\u4e86\u90a3\u500b\u5b87\u5b99\u4e4b\u5167\u7684\u4fdd\u5b88\u57fa\u91d1\u90191000\u5104\u5143\u5ec9\u50f9\u8cc7\u91d1\uff0c\u65bc\u662f\u5c07\u9019\u4e9b\u4fdd\u5b88\u57fa\u91d1\u4ee5\u6975\u4f4e\u606f\u7387\u8207\u4e00\u4e9b\u53cb\u597d\u9280\u884c\u7c3d\u8a02\u7968\u64da\uff0c\u4e4b\u5f8c\u9019\u4e9b\u53cb\u597d\u9280\u884c\u5c31\u7528\u540c\u4e00\u6975\u4f4e\u606f\u7387\u689d\u6b3e\uff0c\u8cb8\u6b3e\u56de\u7d66\u9019\u4e9b\u53d7\u8a17\u4eba\u6216\u4fdd\u85a6\u4eba\u7684\u6bcd\u516c\u53f8\u6216\u95dc\u806f\u516c\u53f8\uff0c\u4ee4\u9019\u4e9b\u516c\u53f8\u8f49\u4e00\u500b\u5927\u5708\u53bb\u4eab\u7528\u4f4e\u5ec9\u8cc7\u672c\u6216\u8cb8\u6b3e\uff1f<\/strong><\/span>0% \u606f\u7387\u7684\u9f90\u5927\u8cc7\u91d1\uff0c\u90a3\u6709\u4e00\u689d\u5927\u9c77\u4e0d\u60f3\u8981\uff1f<\/span><\/em><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><strong><span style=\"color: #04b2f2;\">\u7b46\u8005\u7e7c\u7e8c\u5e7b\u60f3 : \u5982\u679c\u5e73\u884c\u5b87\u5b99\u5167\u7684\u6709\u95dc\u7576\u5c40\u7a0d\u5fae\u95dc\u6ce8\u4e00\u4e0b\u4e0a\u8ff0\u4e09\u5927\u4fdd\u5b88\u57fa\u91d1\u73fe\u8c61<\/span><\/strong>\uff0c\u8207\u53ca<strong><span style=\"color: #04b2f2;\">\u53d7\u8a17\u4eba\u6216\u6295\u8cc7\u7d93\u7406\u80fd\u51fa\u4f86\u89e3\u91cb\u4fdd\u5b88\u57fa\u91d1\u51670%\u9280\u884c\u5b9a\u671f\u5229\u606f\u7968\u64da\u8207\u53ca\u80cc\u5f8c\u7684\u539f\u56e0<\/span><\/strong>\uff0c\u6216\u8005\u80fd\u5920\u6de8\u5316\u7b46\u8005\u90a3\u88ab earth-616\u83ef\u723e\u8857\u5e36\u58de\u4e86\u7684\u6c61\u6fc1\u601d\u60f3\uff0c\u4ea6\u4ee4\u5230earth-616 \u5167\u7684\u4fdd\u5b88\u57fa\u91d1\u9019\u584a\u6de8\u571f\u80fd\u9806\u5229\u767c\u63ee\u5176\u529f\u80fd\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><em><strong>\u5f8c\u8a18<\/strong><\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><em><strong>\u5a49\u8f49\u9053\u51fa\u64d4\u6182, \u4e0d\u60f3\u5f97\u7f6a\u4eba(\u5982\u6709)<\/strong><\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u5ef6\u4f38\u95b1\u8b80:<\/span>\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.sec.gov\/litigation\/admin\/2022\/34-95087.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"broken_link\">\u7f8e\u570b\u8b49\u76e3\u6587\u4ef6<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.sec.gov\/news\/press-release\/2022-104<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.cnbc.com\/2022\/06\/13\/charles-schwab-will-pay-187-million-to-settle-sec-robo-advisor-claims.html<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6295\u8cc7\u7d93\u7406\u8aa4\u5c0e\u516c\u773e &nbsp; 2022\u5e74\u5e74\u4e2d\u6709\u4e00\u55ae\u65b0\u805e\uff0c\u5c31\u662fCharles Schwab (\u5609\u4fe1) \u88ab\u7f8e\u570b\u8b49&#8230;<\/p>\n","protected":false},"author":1,"featured_media":7454,"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":[1,4],"tags":[39,54,31,24,22,7,25,26,53,43],"class_list":["post-7448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","category-4","tag-buy-hold","tag-position-sizing","tag-31","tag-24","tag-22","tag-7","tag-25","tag-26","tag-53","tag-43"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/10\/Schwab3.jpg?fit=751%2C500&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-1W8","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7448","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=7448"}],"version-history":[{"count":5,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7448\/revisions"}],"predecessor-version":[{"id":7464,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7448\/revisions\/7464"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/7454"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=7448"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=7448"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=7448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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