{"id":7900,"date":"2023-05-29T00:07:08","date_gmt":"2023-05-28T16:07:08","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=7900"},"modified":"2023-05-29T00:07:08","modified_gmt":"2023-05-28T16:07:08","slug":"%e5%80%8b%e4%ba%ba%e7%90%86%e8%b2%a1%e6%95%99%e8%82%b2%ef%bc%88%e5%9b%9b%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2023\/05\/%e5%80%8b%e4%ba%ba%e7%90%86%e8%b2%a1%e6%95%99%e8%82%b2%ef%bc%88%e5%9b%9b%ef%bc%89\/","title":{"rendered":"\u500b\u4eba\u7406\u8ca1\u6559\u80b2\uff08\u56db\uff09"},"content":{"rendered":"

\u500b\u4eba\u7406\u8ca1\u6559\u80b2\uff08\u56db\uff09<\/strong><\/span><\/h2>\n
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\u63a5\u4e0a\u6587<\/a>\uff0c\u958b\u652f\uff0c\u4ee5\u4e0b\u8003\u8003\u5927\u5bb6\u5c0d\u65bc\u5132\u84c4(saving)<\/strong>\u7684\u77e5\u8b58:<\/span><\/p>\n
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\u5c0f\u56db\u984c\u76ee<\/strong><\/span><\/p>\n
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4-1a. \u89e3\u91cb\u70ba\u4ec0\u9ebc\u5b58\u9322\u6bd4\u82b1\u9322\u901a\u5e38\u66f4\u96e3\u3002 <\/span><\/p>\n
4-1b. \u63d0\u4f9b\u4e00\u500b\u73fe\u5728\u8cfc\u8cb7\u67d0\u7269\u8207\u70ba\u672a\u4f86\u5b58\u9322\u7684\u4f8b\u5b50\uff0c\u4e26\u89e3\u91cb\u4ed6\u5011\u5c07\u5982\u4f55\u505a\u51fa\u6c7a\u5b9a\u3002 <\/span><\/p>\n
4-1c. \u627e\u4e00\u500b\u65e8\u5728\u5f71\u97ff\u4eba\u5011\u7acb\u5373\u82b1\u9322\u800c\u4e0d\u662f\u5132\u84c4\u7684\u5ee3\u544a\u7bc4\u4f8b\uff08\u5831\u7d19\u3001\u96dc\u8a8c\u3001\u96fb\u8996\u3001\u793e\u4ea4\u5a92\u9ad4\u6216\u7db2\u7d61\u4e0a\uff09\u3002 <\/span><\/p>\n
4-2a. \u5236\u5b9a\u4e00\u500b\u65e8\u5728\u5be6\u73fe\u672a\u4f86\u8cfc\u8cb7\u76ee\u6a19\u7684\u5132\u84c4\u8a08\u5283\u3002 <\/span><\/p>\n
4-2b. \u7d66\u51fa\u4e00\u500b\u4f8b\u5b50\u4f86\u8aaa\u660e\u7559\u4e00\u4e9b\u9322\u61c9\u5c0d\u7dca\u6025\u60c5\u6cc1\u7684\u91cd\u8981\u6027\u3002 <\/span><\/p>\n
4-2c. \u63cf\u8ff0\u4eba\u5011\u53ef\u4ee5\u6e1b\u5c11\u958b\u652f\u4ee5\u66f4\u591a\u5730\u5132\u84c4\u7684\u65b9\u6cd5\u3002 <\/span><\/p>\n
4-3a. \u8a0e\u8ad6\u751f\u6d3b\u74b0\u5883\u548c\u7d93\u6b77\u5982\u4f55\u5c0e\u81f4\u4eba\u5011\u5728\u5132\u84c4\u50f9\u503c\u89c0\u548c\u614b\u5ea6\u4ee5\u53ca\u4ed6\u5011\u7684\u5132\u84c4\u80fd\u529b\u65b9\u9762\u5b58\u5728\u5dee\u7570\u3002<\/span><\/p>\n
4-3b. \u89e3\u91cb\u4e00\u500b\u4eba\u7684\u670b\u53cb\u548c\u5bb6\u4eba\u5982\u4f55\u5f71\u97ff\u4ed6\u5011\u5c0d\u5132\u84c4\u7684\u50f9\u503c\u89c0\u548c\u614b\u5ea6\u3002 <\/span><\/p>\n
4-4a. \u63cf\u8ff0\u5c07\u9322\u5b58\u653e\u5728\u91d1\u878d\u6a5f\u69cb\u7684\u8cec\u6236\u4e2d\u800c\u4e0d\u662f\u653e\u5728\u5bb6\u4e2d\u7684\u512a\u9ede\u3002 <\/span><\/p>\n
4-4b. \u70ba\u4eba\u5011\u63d0\u4f9b\u5b89\u5168\u7684\u5b58\u653e\u91d1\u9322\u7684\u5730\u65b9\u3002 <\/span><\/p>\n
4-5a. \u89e3\u91cb\u70ba\u4ec0\u9ebc\u91d1\u878d\u6a5f\u69cb\uff08\u4f8b\u5982\u9280\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\uff09\u5411\u5b58\u6b3e\u4eba\u652f\u4ed8\u5229\u606f\u3002 <\/span><\/p>\n
4-5b. \u6bd4\u8f03\u5169\u5bb6\u91d1\u878d\u6a5f\u69cb\u5132\u84c4\u8cec\u6236\u7684\u5229\u7387\u3002<\/span><\/p>\n
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\u4e2d\u4e8c\u984c\u76ee<\/strong><\/span><\/p>\n
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8-1a. \u8fa8\u8a8d\u4eba\u5011\u70ba\u672a\u4f86\u5b58\u9322\u7684\u6700\u5e38\u898b\u539f\u56e0\u3002 <\/span><\/p>\n
8-1b. \u5efa\u7acb\u4e00\u500b\u5132\u84c4\u8a08\u5283\uff0c\u8b93\u67d0\u4eba\u5728\u4e00\u5e74\u3001\u4e94\u5e74\u548c\u5341\u5e74\u5167\u80fd\u5920\u8cfc\u8cb7\u5927\u4ef6\u7269\u54c1\u3002 <\/span><\/p>\n
8-2a. \u5c07\u500b\u4eba\u5c0d\u5132\u84c4\u7684\u614b\u5ea6\u8207\u670b\u53cb\u6216\u89aa\u621a\u7684\u614b\u5ea6\u9032\u884c\u6bd4\u8f03\u3002 <\/span><\/p>\n
8-2b. \u89e3\u91cb\u4e00\u500b\u4eba\u7684\u500b\u6027\u985e\u578b\u5982\u4f55\u5f71\u97ff\u4ed6\u5011\u5132\u84c4\u7684\u610f\u9858\u6216\u9075\u5b88\u5132\u84c4\u8a08\u5283\u3002 <\/span><\/p>\n
8-2c. \u8fa8\u8a8d\u53ef\u80fd\u6703\u4f7f\u4e00\u500b\u4eba\u96e3\u4ee5\u5132\u84c4\u6216\u9075\u5b88\u5132\u84c4\u8a08\u5283\u7684\u751f\u6d3b\u60c5\u6cc1\u3002 <\/span><\/p>\n
8-2d. \u8a0e\u8ad6\u5132\u84c4\u6c7a\u7b56\u5982\u4f55\u5f71\u97ff\u8ca1\u52d9\u798f\u7949\u3002 <\/span><\/p>\n
8-3a. \u6bd4\u8f03\u548c\u5c0d\u6bd4\u4e0d\u540c\u985e\u578b\u7684\u91d1\u878d\u6a5f\u69cb\u53ca\u5176\u7522\u54c1\u548c\u670d\u52d9\u3002 <\/span><\/p>\n
8-3b. \u6bd4\u8f03\u91d1\u878d\u6a5f\u69cb\u5728\u5132\u84c4\u8cec\u6236\u4e0a\u652f\u4ed8\u7684\u5229\u7387\u8207\u540c\u4e00\u6a5f\u69cb\u5728\u8cb8\u6b3e\u4e0a\u6536\u53d6\u7684\u5229\u7387\u3002 <\/span><\/p>\n
8-3c. \u89e3\u91cb\u91d1\u878d\u6a5f\u69cb\u5982\u4f55\u7372\u5f97\u8cc7\u91d1\u4ee5\u652f\u4ed8\u5b58\u6b3e\u4eba\u5728\u5132\u84c4\u8cec\u6236\u4e2d\u5b58\u5165\u7684\u6b3e\u9805\u7684\u5229\u606f\u3002 <\/span><\/p>\n
8-4a. \u5340\u5206\u672c\u91d1\u548c\u5229\u606f\u3002 <\/span><\/p>\n
8-4b. \u793a\u7bc4\u5728\u5132\u84c4\u8cec\u6236\u4e2d\u8cfa\u53d6\u8f03\u9ad8\u5229\u7387\u7684\u9322\u5982\u4f55\u5e6b\u52a9\u4e00\u500b\u4eba\u66f4\u5feb\u5730\u9054\u5230\u4ed6\u5011\u7684\u5132\u84c4\u76ee\u6a19\u3002 <\/span><\/p>\n
8-4c. \u4f7f\u752872\u6cd5\u5247\u8fd1\u4f3c\u8a08\u7b97\u4ee5\u4e0d\u540c\u5229\u7387\u7ffb\u500d\u7684\u5e74\u6578\u3002 <\/span><\/p>\n
8-5a. \u89e3\u91cb\u8207\u55ae\u5229\u76f8\u6bd4\uff0c\u8907\u5229\u7684\u597d\u8655\u3002 <\/span><\/p>\n
8-5b. \u793a\u7bc4\u7576\u539f\u672c\u7684\u672c\u91d1\u548c\u5df2\u8cfa\u53d6\u7684\u5229\u606f\u90fd\u7559\u5728\u5132\u84c4\u8cec\u6236\u4e2d\u6642\uff0c\u5e74\u5229\u606f\u6536\u5165\u96a8\u8457\u6642\u9593\u7684\u589e\u52a0\u3002 <\/span><\/p>\n
8-6a. \u89e3\u91cb\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u7684\u91cd\u8981\u6027\u3002 <\/span><\/p>\n
8-6b. \u6bd4\u8f03\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\uff08FDIC\uff09\u548c\u5168\u570b\u4fe1\u7528\u5408\u4f5c\u793e\u7ba1\u7406\u5c40\uff08NCUA\uff09\u5c0d\u91d1\u878d\u6a5f\u69cb\u63d0\u4f9b\u7684\u652f\u7968\u548c\u5132\u84c4\u8cec\u6236\u7684\u4fdd\u96aa\u9650\u984d\u3002 <\/span><\/p>\n
8-6c. \u8fa8\u8a8d\u4e0d\u63d0\u4f9b\u5b58\u6b3e\u4fdd\u96aa\u7684\u8cec\u6236\u985e\u578b\u3002<\/span><\/p>\n
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\u4e2d\u516d\u984c\u76ee<\/strong><\/span><\/p>\n
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12-1a. \u6bd4\u8f03\u4e00\u822c\u5132\u84c4\u8cec\u6236\u3001\u8ca8\u5e63\u5e02\u5834\u8cec\u6236\u548c\u5b9a\u671f\u5b58\u6b3e\uff08CD\uff09\u7684\u7279\u9ede\u3002 <\/span><\/p>\n
12-1b. \u89e3\u91cb\u70ba\u4ec0\u9ebc\u5b9a\u671f\u5b58\u6b3e\u901a\u5e38\u6bd4\u4e00\u822c\u5132\u84c4\u8cec\u6236\u6216\u5e36\u606f\u652f\u7968\u8cec\u6236\u652f\u4ed8\u66f4\u9ad8\u7684\u5229\u7387\u3002 <\/span><\/p>\n
12-2a. \u6839\u64da\u4e0d\u540c\u985e\u578b\u7684\u91d1\u878d\u6a5f\u69cb\u7684\u5229\u7387\u548c\u8cbb\u7528\u6bd4\u8f03\uff0c\u9078\u64c7\u4e00\u500b\u504f\u597d\u7684\u5132\u84c4\u8cec\u6236\u4f4d\u7f6e\u3002 <\/span><\/p>\n
12-2b. \u89e3\u91cb\u70ba\u4ec0\u9ebc\u60f3\u501f\u9322\u7684\u4eba\u6578\u589e\u52a0\u53ef\u80fd\u5c0e\u81f4\u9280\u884c\u652f\u4ed8\u66f4\u9ad8\u7684\u5b58\u6b3e\u5229\u7387\u3002 <\/span><\/p>\n
12-2c. \u8a0e\u8ad6\u53ef\u80fd\u5c0e\u81f4\u91d1\u878d\u6a5f\u69cb\u652f\u4ed8\u8f03\u4f4e\u5132\u84c4\u5229\u7387\u7684\u5e02\u5834\u74b0\u5883\u985e\u578b\u3002 <\/span><\/p>\n
12-3a. \u7814\u7a76\u79fb\u52d5\u652f\u4ed8\u8cec\u6236\u7684\u66ff\u4ee3\u65b9\u6848\u3002 <\/span><\/p>\n
12-3b. \u6bd4\u8f03\u79fb\u52d5\u652f\u4ed8\u8cec\u6236\u3001\u52a0\u5bc6\u8ca8\u5e63\u8cec\u6236\u548c\u652f\u7968\/\u5132\u84c4\u8cec\u6236\u7684\u7279\u9ede\u3002 <\/span><\/p>\n
12-3c. \u89e3\u91cb\u70ba\u4ec0\u9ebc\u5c07\u9322\u5b58\u653e\u5728\u79fb\u52d5\u652f\u4ed8\u8cec\u6236\u4e2d\u6703\u6e1b\u5c11\u589e\u9577\u5132\u84c4\u7684\u80fd\u529b\u3002 <\/span><\/p>\n
12-4a. \u89e3\u91cb\u70ba\u4ec0\u9ebc\u5728\u901a\u8139\u7387\u8f03\u9ad8\u6642\uff0c\u5132\u84c4\u8005\u901a\u5e38\u80fd\u7372\u5f97\u8f03\u9ad8\u7684\u540d\u7fa9\u5229\u7387\u3002 <\/span><\/p>\n
12-4b. \u4ee5\u793a\u4f8b\u8aaa\u660e\u5982\u679c\u540d\u7fa9\u5229\u7387\u4f4e\u65bc\u901a\u8139\u7387\uff0c\u901a\u8139\u5982\u4f55\u96a8\u8457\u6642\u9593\u964d\u4f4e\u5132\u84c4\u7684\u8cfc\u8cb7\u529b\u3002 <\/span><\/p>\n
12-4c. \u7814\u7a76iBond\u5982\u4f55\u70ba\u5132\u84c4\u8005\u63d0\u4f9b\u901a\u8139\u4fdd\u8b77\u3002 <\/span><\/p>\n
12-5a. \u7814\u7a76\u53d7\u5dde\u548c\/\u6216\u806f\u90a6\u76e3\u7ba1\u548c\u76e3\u7763\u7684\u91d1\u878d\u6a5f\u69cb\u904b\u4f5c\u7684\u9818\u57df\u3002 <\/span><\/p>\n
12-5b. \u8fa8\u8a8d\u8ca0\u8cac\u76e3\u7ba1\u6240\u5728\u5730\u91d1\u878d\u6a5f\u69cb\u7684\u5dde\u653f\u5e9c\u6a5f\u69cb\u3002 <\/span><\/p>\n
12-5c. \u89e3\u91cb\u5c0d\u65bc\u91d1\u878d\u6a5f\u69cb\u7684\u507f\u4ed8\u80fd\u529b\u76e3\u7ba1\u7684\u91cd\u8981\u6027\u3002 <\/span><\/p>\n
12-6a. \u89e3\u91cb\u50b3\u7d71\u500b\u4eba\u9000\u4f11\u8cec\u6236\uff08IRA\uff09\u3001Roth IRAs\u548c\u6559\u80b2\u5132\u84c4\u8cec\u6236\u5982\u4f55\u70ba\u4eba\u5011\u63d0\u4f9b\u5132\u84c4\u6fc0\u52f5\u3002<\/span><\/p>\n
12-6b. \u6bd4\u8f03\u50b3\u7d71\u548cRoth IRAs\u7684\u7a05\u6536\u512a\u52e2\u3002 <\/span><\/p>\n
12-6c. \u6bd4\u8f03\u4e0d\u540c\u985e\u578b\u7684\u6559\u80b2\u5132\u84c4\u8cec\u6236\u7684\u7a05\u6536\u512a\u52e2\u3002 <\/span><\/p>\n
12-7a. \u89e3\u91cb\u96c7\u4e3b\u5c0d\u54e1\u5de5\u9000\u4f11\u8a08\u5283\u7684\u914d\u5c0d\u6350\u6b3e\u5982\u4f55\u6fc0\u52f5\u54e1\u5de5\u5132\u84c4\u3002 <\/span><\/p>\n
12-7b. \u6bd4\u8f03\u54e1\u5de5\u81ea\u9858\u53c3\u8207\u548c\u9000\u51fa\u96c7\u4e3b\u9000\u4f11\u8a08\u5283\u7684\u5f71\u97ff\uff0c\u4e26\u89e3\u91cb\u70ba\u4ec0\u9ebc\u9019\u4e00\u9ede\u5f88\u91cd\u8981\u3002 <\/span><\/p>\n
12-7c. \u63cf\u8ff0\u901a\u904e\u96c7\u4e3b\u9000\u4f11\u8a08\u5283\u5132\u84c4\u8207\u5728\u96c7\u4e3b\u8a08\u5283\u4e4b\u5916\u5132\u84c4\u76f8\u6bd4\u7684\u512a\u7f3a\u9ede\u3002 <\/span><\/p>\n
12-7d. \u89e3\u91cb\u5c0d\u65bc\u9ad8\u81ea\u4ed8\u91ab\u7642\u8a08\u5283\u7684\u500b\u4eba\u4f86\u8aaa\uff0c\u5728\u5065\u5eb7\u5132\u84c4\u8cec\u6236\u4e2d\u5132\u84c4\u7684\u597d\u8655\u3002 <\/span><\/p>\n
12-8a. \u8a55\u4f30\u5728\u5408\u4f75\u8ca1\u52d9\u4e4b\u524d\u8207\u4f34\u4fb6\u5206\u4eab\u8ca1\u52d9\u76ee\u6a19\u548c\u500b\u4eba\u8ca1\u52d9\u4fe1\u606f\u7684\u50f9\u503c\u3002 <\/span><\/p>\n
12-8b. \u8a0e\u8ad6\u500b\u4eba\u8ca1\u52d9\u6c7a\u7b56\u5982\u4f55\u5f71\u97ff\u5176\u4ed6\u4eba\u3002 <\/span><\/p>\n
12-9a. \u89e3\u91cb\u5916\u90e8\u5f71\u97ff\uff08\u4f8b\u5982\u540c\u8f29\u3001\u5bb6\u4eba\u6216\u793e\u4ea4\u5a92\u9ad4\uff09\u5982\u4f55\u5f71\u97ff\u500b\u4eba\u7684\u5132\u84c4\u6c7a\u7b56\u3002 <\/span><\/p>\n
12-9b. \u78ba\u5b9a\u7ba1\u7406\u5fc3\u7406\u548c\u60c5\u611f\u969c\u7919\u4ee5\u5be6\u73fe\u5132\u84c4\u7684\u7b56\u7565\u3002 <\/span><\/p>\n
12-9c. \u8a0e\u8ad6\u907f\u514d\u500b\u4eba\u89f8\u767c\u4e8b\u4ef6\u504f\u96e2\u5132\u84c4\u8a08\u5283\u7684\u7b56\u7565\u3002 <\/span><\/p>\n
12-9d. \u89e3\u91cb\u5132\u84c4\u7b56\u7565\u201c\u5148\u652f\u4ed8\u7d66\u81ea\u5df1\u201d\u5982\u4f55\u5e6b\u52a9\u4eba\u5011\u5be6\u73fe\u5132\u84c4\u76ee\u6a19\u3002<\/span><\/p>\n
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\u671b\u5b8c\u554f\u984c\u60f3\u77e5\u7b54\u6848? \u9664\u4e86\u81ea\u5df1\u8ad7\u4e4b\u5916, \u7576\u7136\u53ef\u4ee5\u554f\u4e0bAI, ChatGPT\u5572\u7b54\u6848\u597d\u8a73\u7d30, \u4ee5\u4e0b\u6311\u9078\u4e00\u5572\u8207\u5927\u5bb6\u5206\u4eab:<\/span><\/p>\n
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12-9b. Identify strategies to manage psychological and emotional obstacles to saving.\u78ba\u5b9a\u7ba1\u7406\u5fc3\u7406\u548c\u60c5\u611f\u969c\u7919\u4ee5\u5be6\u73fe\u5132\u84c4\u7684\u7b56\u7565\u3002<\/span><\/p>\n
<\/p>\n
\u8b58\u5225\u7ba1\u7406\u5fc3\u7406\u548c\u60c5\u611f\u969c\u7919\u4ee5\u5be6\u73fe\u5132\u84c4\u7684\u7b56\u7565\u5305\u62ec\uff1a<\/span><\/p>\n
\n
\u5236\u5b9a\u660e\u78ba\u7684\u76ee\u6a19\uff1a\u78ba\u5b9a\u5132\u84c4\u7684\u5177\u9ad4\u76ee\u6a19\uff0c\u4f8b\u5982\u8cfc\u8cb7\u623f\u5c4b\u3001\u4ed8\u6e05\u50b5\u52d9\u6216\u9000\u4f11\u6e96\u5099\u3002\u9019\u5c07\u6709\u52a9\u65bc\u63d0\u4f9b\u52d5\u529b\u548c\u610f\u8b58\u5f62\u614b\u652f\u6301\u3002<\/span><\/li>\n
\u5275\u5efa\u9810\u7b97\uff1a\u5236\u5b9a\u4e00\u500b\u5408\u7406\u7684\u9810\u7b97\uff0c\u78ba\u5b9a\u6bcf\u6708\u53ef\u7528\u65bc\u5132\u84c4\u7684\u91d1\u984d\u3002\u9019\u6709\u52a9\u65bc\u63a7\u5236\u958b\u652f\uff0c\u6e1b\u5c11\u885d\u52d5\u8cfc\u8cb7\u3002<\/span><\/li>\n
\u81ea\u6211\u76e3\u7763\uff1a\u57f9\u990a\u81ea\u6211\u7d00\u5f8b\uff0c\u907f\u514d\u4e0d\u5fc5\u8981\u7684\u6d88\u8cbb\u3002\u53ef\u4ee5\u4f7f\u7528\u63d0\u9192\u3001\u5132\u84c4\u76ee\u6a19\u8ffd\u8e64\u61c9\u7528\u7a0b\u5e8f\u7b49\u5de5\u5177\u4f86\u5e6b\u52a9\u76e3\u7763\u548c\u8a18\u9304\u5132\u84c4\u9032\u5ea6\u3002<\/span><\/li>\n
\u907f\u514d\u8a98\u60d1\uff1a\u9060\u96e2\u5f15\u8a98\u4eba\u7684\u8cfc\u7269\u5834\u6240\uff0c\u4f8b\u5982\u5546\u5834\u6216\u7db2\u4e0a\u8cfc\u7269\u7db2\u7ad9\u3002\u907f\u514d\u700f\u89bd\u5f15\u8d77\u885d\u52d5\u8cfc\u8cb7\u7684\u5ee3\u544a\u6216\u4fc3\u92b7\u6d3b\u52d5\u3002<\/span><\/li>\n
\u8207\u4ed6\u4eba\u5206\u4eab\u76ee\u6a19\uff1a\u5c07\u5132\u84c4\u76ee\u6a19\u544a\u8a34\u5bb6\u4eba\u3001\u670b\u53cb\u6216\u4f34\u4fb6\uff0c\u7372\u5f97\u4ed6\u5011\u7684\u652f\u6301\u548c\u9f13\u52f5\u3002\u6709\u4eba\u652f\u6301\u7684\u60c5\u6cc1\u4e0b\u66f4\u5bb9\u6613\u5805\u6301\u5132\u84c4\u8a08\u5283\u3002<\/span><\/li>\n
\u8655\u7406\u58d3\u529b\u548c\u60c5\u7dd2\uff1a\u627e\u5230\u6709\u6548\u7684\u65b9\u6cd5\u4f86\u61c9\u5c0d\u58d3\u529b\u548c\u60c5\u7dd2\uff0c\u4f8b\u5982\u904b\u52d5\u3001\u51a5\u60f3\u3001\u95b1\u8b80\u6216\u8207\u670b\u53cb\u4ea4\u6d41\u3002\u9019\u6709\u52a9\u65bc\u6e1b\u5c11\u56e0\u60c5\u7dd2\u6ce2\u52d5\u800c\u505a\u51fa\u4e0d\u7406\u667a\u7684\u91d1\u9322\u6c7a\u7b56\u3002<\/span><\/li>\n
\u5efa\u7acb\u7dca\u6025\u57fa\u91d1\uff1a\u8a2d\u7acb\u4e00\u500b\u7dca\u6025\u57fa\u91d1\uff0c\u4ee5\u61c9\u5c0d\u7a81\u767c\u72c0\u6cc1\u548c\u610f\u5916\u958b\u652f\u3002\u9019\u53ef\u4ee5\u6e1b\u8f15\u7d93\u6fdf\u58d3\u529b\uff0c\u4f7f\u4eba\u5011\u66f4\u80fd\u5805\u6301\u5132\u84c4\u8a08\u5283\u3002<\/span><\/li>\n
\u5c0b\u6c42\u5c08\u696d\u5e6b\u52a9\uff1a\u5982\u679c\u5fc3\u7406\u548c\u60c5\u611f\u969c\u7919\u56b4\u91cd\u5f71\u97ff\u5230\u5132\u84c4\u80fd\u529b\uff0c\u53ef\u4ee5\u8003\u616e\u5c0b\u6c42\u5c08\u696d\u7684\u8ca1\u52d9\u548c\u5fc3\u7406\u8f14\u5c0e\uff0c\u4ee5\u7372\u5f97\u66f4\u597d\u7684\u652f\u6301\u548c\u6307\u5c0e\u3002<\/span><\/li>\n<\/ol>\n
\u9019\u4e9b\u7b56\u7565\u53ef\u4ee5\u5e6b\u52a9\u4eba\u5011\u7ba1\u7406\u5fc3\u7406\u548c\u60c5\u611f\u969c\u7919\uff0c\u5805\u6301\u5132\u84c4\u8a08\u5283\u4e26\u5be6\u73fe\u4ed6\u5011\u7684\u5132\u84c4\u76ee\u6a19\u3002<\/span><\/p>\n
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\n
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12-7b. Compare the impact of employee \u201copt in\u201d versus \u201copt out\u201d of employer retirement plans and explain why it makes a difference.\u00a0 \u81ea\u5df1\u5132\u9322\u53ca\u88ab\u903c\u5132\u9322\u7684\u5206\u5225?<\/span><\/p>\n
<\/p>\n
<\/p>\n
\u6bd4\u8f03\u54e1\u5de5\u81ea\u9858\u53c3\u8207\uff08opt in\uff09\u548c\u81ea\u52d5\u53c3\u8207\uff08opt out\uff09\u96c7\u4e3b\u9000\u4f11\u8a08\u5283\u5c0d\u5f71\u97ff\u7684\u5dee\u7570\uff0c\u4e26\u89e3\u91cb\u70ba\u4ec0\u9ebc\u9019\u4e00\u9ede\u5f88\u91cd\u8981\u3002<\/span><\/p>\n
\u5728\u96c7\u4e3b\u9000\u4f11\u8a08\u5283\u4e2d\uff0c”\u81ea\u9858\u53c3\u8207”\u6307\u7684\u662f\u54e1\u5de5\u9700\u8981\u4e3b\u52d5\u9078\u64c7\u53c3\u52a0\u8a08\u5283\uff0c\u800c”\u81ea\u52d5\u53c3\u8207”\u5247\u662f\u54e1\u5de5\u88ab\u9810\u8a2d\u81ea\u52d5\u52a0\u5165\u8a08\u5283\uff0c\u9664\u975e\u4ed6\u5011\u660e\u78ba\u9078\u64c7\u9000\u51fa\u3002<\/span><\/p>\n
\n
\u53c3\u8207\u7387\uff1a\u81ea\u52d5\u53c3\u8207\u5236\u5ea6\u901a\u5e38\u80fd\u5920\u5927\u5e45\u63d0\u9ad8\u53c3\u8207\u7387\u3002\u7576\u8a08\u5283\u8a2d\u70ba\u81ea\u52d5\u53c3\u8207\u6642\uff0c\u5927\u591a\u6578\u54e1\u5de5\u6703\u4fdd\u6301\u9810\u8a2d\u8a2d\u5b9a\uff0c\u4e26\u958b\u59cb\u5132\u84c4\u9000\u4f11\u91d1\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u81ea\u9858\u53c3\u8207\u5236\u5ea6\u9700\u8981\u54e1\u5de5\u4e3b\u52d5\u9078\u64c7\u53c3\u52a0\uff0c\u56e0\u6b64\u53c3\u8207\u7387\u53ef\u80fd\u6703\u8f03\u4f4e\u3002<\/span><\/li>\n
\u5132\u84c4\u884c\u70ba\uff1a\u81ea\u52d5\u53c3\u8207\u5236\u5ea6\u53ef\u4ee5\u5e6b\u52a9\u6539\u8b8a\u54e1\u5de5\u7684\u5132\u84c4\u884c\u70ba\u3002\u5c0d\u65bc\u90a3\u4e9b\u7fd2\u6163\u6027\u62d6\u5ef6\u6216\u5c0d\u5132\u84c4\u6c92\u6709\u660e\u78ba\u610f\u8b58\u7684\u4eba\u4f86\u8aaa\uff0c\u81ea\u52d5\u53c3\u8207\u5236\u5ea6\u63d0\u4f9b\u4e86\u4e00\u500b\u91cd\u8981\u7684\u6a5f\u6703\uff0c\u8b93\u4ed6\u5011\u958b\u59cb\u5132\u84c4\u800c\u4e0d\u9700\u4ed8\u51fa\u984d\u5916\u52aa\u529b\u3002\u9019\u6709\u52a9\u65bc\u5efa\u7acb\u826f\u597d\u7684\u5132\u84c4\u7fd2\u6163\u3002<\/span><\/li>\n
\u7559\u5b58\u7387\uff1a\u81ea\u52d5\u53c3\u8207\u5236\u5ea6\u901a\u5e38\u6709\u52a9\u65bc\u63d0\u9ad8\u54e1\u5de5\u7684\u7559\u5b58\u7387\u3002\u56e0\u70ba\u54e1\u5de5\u9700\u8981\u4e3b\u52d5\u9078\u64c7\u9000\u51fa\u8a08\u5283\uff0c\u4e26\u4e14\u9700\u8981\u984d\u5916\u7684\u6b65\u9a5f\u548c\u52aa\u529b\uff0c\u6240\u4ee5\u76f8\u5c0d\u8f03\u5c11\u7684\u54e1\u5de5\u6703\u9078\u64c7\u9000\u51fa\u3002\u9019\u5c0e\u81f4\u66f4\u591a\u7684\u54e1\u5de5\u5728\u8a08\u5283\u4e2d\u4fdd\u6301\u53c3\u8207\uff0c\u5f9e\u800c\u9577\u671f\u53d7\u76ca\u65bc\u5132\u84c4\u548c\u6295\u8cc7\u589e\u9577\u3002<\/span><\/li>\n
\u9577\u671f\u6548\u679c\uff1a\u81ea\u52d5\u53c3\u8207\u5236\u5ea6\u5728\u9577\u671f\u5167\u53ef\u80fd\u7522\u751f\u66f4\u5927\u7684\u5f71\u97ff\u3002\u901a\u904e\u81ea\u52d5\u53c3\u8207\uff0c\u54e1\u5de5\u53ef\u80fd\u958b\u59cb\u66f4\u65e9\u5730\u5132\u84c4\u9000\u4f11\u91d1\uff0c\u4e26\u5728\u8077\u696d\u751f\u6daf\u7684\u65e9\u671f\u7a4d\u7d2f\u66f4\u591a\u7684\u8cc7\u91d1\u3002\u9019\u53ef\u4ee5\u70ba\u4ed6\u5011\u7684\u9000\u4f11\u63d0\u4f9b\u66f4\u591a\u7684\u8cc7\u6e90\uff0c\u4ee5\u61c9\u5c0d\u65e5\u76ca\u589e\u9577\u7684\u9577\u58fd\u548c\u9000\u4f11\u958b\u652f\u3002<\/span><\/li>\n<\/ol>\n
<\/p>\n
<\/p>\n
\u597d\u591a\u4eba\u597d\u618eMPF, \u904e\u4e86\u5e7e\u5341\u5e74\u4e4b\u5f8c, \u9000\u4f11\u5c31\u77e5\u9053MPF\u65e2\u597d\u8655.<\/span><\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
\u500b\u4eba\u7406\u8ca1\u6559\u80b2\uff08\u56db\uff09 \u63a5\u4e0a\u6587\uff0c\u958b\u652f\uff0c\u4ee5\u4e0b\u8003\u8003\u5927\u5bb6\u5c0d\u65bc\u5132\u84c4(saving)\u7684\u77e5\u8b58: &…<\/p>\n","protected":false},"author":1,"featured_media":7901,"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],"tags":[39,7],"class_list":["post-7900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","tag-buy-hold","tag-7"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2023\/05\/savings.jpg?fit=622%2C651&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-23q","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7900","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=7900"}],"version-history":[{"count":3,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7900\/revisions"}],"predecessor-version":[{"id":7906,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7900\/revisions\/7906"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/7901"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=7900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=7900"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=7900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}