{"id":2455,"date":"2020-01-17T10:16:37","date_gmt":"2020-01-17T15:16:37","guid":{"rendered":"https:\/\/www.metrochinese.com\/?p=2455"},"modified":"2021-05-09T05:29:03","modified_gmt":"2021-05-09T09:29:03","slug":"%e7%a8%8e%e5%ad%a3%e5%8d%b3%e5%b0%86%e6%9d%a5%e4%b8%b4%ef%bc%8c%e7%90%86%e8%b4%a2%e6%8a%95%e8%b5%84%e5%bf%85%e7%94%a8%e7%9a%84%e5%87%8f%e7%a8%8e%e7%ad%96%e7%95%a5%e5%92%8c%e6%97%a0%e7%a8%8e%e6%8a%95","status":"publish","type":"post","link":"https:\/\/www.metrochinese.com\/?p=2455","title":{"rendered":"\u7a0e\u5b63\u5373\u5c06\u6765\u4e34\uff0c\u7406\u8d22\u6295\u8d44\u5fc5\u7528\u7684\u51cf\u7a0e\u7b56\u7565\u548c\u65e0\u7a0e\u6295\u8d44"},"content":{"rendered":"<p>\u968f\u77402020\u5e74\u7684\u5230\u6765\uff0c\u53c8\u662f\u5e74\u521d\u62a5\u7a0e\u5b63\u7684\u51c6\u5907\u671f\u4e86\u3002\u5408\u7406\u89c4\u5212\u548c\u51cf\u8f7b\u7a0e\u52a1\u662f\u91cd\u8981\u7684\u4e00\u4e2a\u7406\u8d22\u73af\u8282\u3002\u8fd9\u671f\u51af\u51af\u5206\u4eab\u7ed9\u5927\u5bb6\u4e00\u4e9b\u51cf\u8f7b\u7a0e\u52a1\u7684\u7406\u8d22\u624b\u6bb5\uff0c\u5305\u542b\u4e00\u4e9b\u65e0\u7a0e\u6295\u8d44\u7684\u8be6\u7ec6\u89e3\u91ca\uff0c\u76ee\u7684\u5728\u4e8e\u79d1\u666e\u5927\u5bb6\u5bf9\u8eab\u8fb9\u89e6\u624b\u53ef\u53ca\u7684\u7406\u8d22\u7a8d\u95e8\u3002<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>01<\/p>\n<p>\u65e0\u7a0e\u6295\u8d44<br \/>\n\u4e2d\u4ea7\u7684\u4f60\u597d\u597d\u5229\u7528\u4e86\u5417\uff1f<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p>\u65e0\u7a0e\u6295\u8d44\u8981\u79ef\u6781\u8003\u8651\u5e02\u653f\u503a\u5238\u548c\u8054\u90a6\u653f\u5e9c\u503a\u5238\u3002<\/p>\n<h4 style=\"text-align: center;\">\u5e02\u653f\u503a\u5238<br \/>\n\uff08Municipal Bonds\uff09<\/h4>\n<p>\u5e02\u653f\u503a\u5238\uff08Municipal Bonds) \u662f\u7531\u5dde\u6216\u5f53\u5730\u653f\u5e9c\u53d1\u884c\u7684\u503a\u5238\uff0c<span style=\"color: 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data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-168.jpg 600w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-168-300x200.jpg 300w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/400;\" 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alt=\"\u5e02\u653f\u503a\u5238\u7684\u56de\u62a5\" width=\"548\" height=\"72\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-169.jpg 548w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-169-300x39.jpg 300w\" data-sizes=\"(max-width: 548px) 100vw, 548px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 548px; --smush-placeholder-aspect-ratio: 548\/72;\" \/><\/p>\n<p><span style=\"color: #0000ff;\">\u4e0b\u56fe\u6709\u4e00\u4e2a\u8be6\u7ec6\u7684\u5217\u8868\uff0c\u7528\u7684\u662f7%\u56de\u62a5\u7387\uff0c\u5c55\u793a\u51fa\u5b9e\u9645\u7684\u56de\u62a5\u7387\u53ef\u8fbe\u523010.77%\u4e4b\u9ad8<\/span>\uff0c\u5bf9\u4e8e\u7a0e\u6536\u9ad8\u7684\u6295\u8d44\u8005\u6765\u8bb2\uff0c\u5229\u7528\u5e02\u653f\u503a\u5238\u4f5c\u4e3a\u7406\u8d22\u7684\u4e00\u90e8\u5206\u5b9e\u5728\u662f\u5f88\u91cd\u8981\u3002<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-2458 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-170.jpg\" alt=\"\u5b9e\u9645\u7684\u56de\u62a5\u7387\" width=\"388\" height=\"177\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-170.jpg 388w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-170-300x137.jpg 300w\" data-sizes=\"(max-width: 388px) 100vw, 388px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 388px; --smush-placeholder-aspect-ratio: 388\/177;\" \/><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"text-align: center;\">\u8054\u90a6\u653f\u5e9c\u503a\u5238<br \/>\n\uff08Treasury Bonds\uff09<\/h4>\n<p>\u5bf9\u4e8e\u975e\u5e38\u4fdd\u5b88\uff0c\u53ea\u559c\u6b22\u94f6\u884c\u5b58\u6b3e\uff0c\u4e00\u70b9\u98ce\u9669\u90fd\u4e0d\u5192\u7684\u670b\u53cb\u4eec\uff0c\u5e94\u8be5\u8003\u8651\u5c06\u94b1\u6295\u8d44\u4e8e\u8054\u90a6\u653f\u5e9c\u503a\u5238(Treasury Bonds)\u6765\u83b7\u5f97\u514d\u7a0e\u4f18\u60e0\u3002<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-2459 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171.jpg\" alt=\"\u8054\u90a6\u653f\u5e9c\u503a\u5238\" width=\"1080\" height=\"720\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171-300x200.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171-1024x683.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171-768x512.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171-696x464.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-171-1068x712.jpg 1068w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/720;\" \/><\/p>\n<p>\u6240\u5f97\u6536\u76ca\uff0c\u4e0d\u7ba1\u53d6\u51fa\u6216\u518d\u6295\u8d44\uff0c\u90fd\u4e0d\u9700\u8981\u7f34\u7eb3\u8054\u90a6\u6240\u5f97\u7a0e\u3002\u8054\u90a6\u653f\u5e9c\u503a\u5238<span style=\"color: #0000ff;\">\u662f\u7f8e\u56fd\u653f\u5e9c\u53d1\u884c\u7684\u503a\u52a1\uff0c\u5229\u606f\u4f4e\u4f46\u662f\u57fa\u672c\u548c\u94f6\u884c\u5b58\u6b3e\u98ce\u9669\u76f8\u5f53\uff0c\u56e0\u4e3a\u4e24\u4e2a\u90fd\u662f\u7f8e\u56fd\u653f\u5e9c\u62c5\u4fdd\u3002\u53ea\u8981\u7f8e\u56fd\u653f\u5e9c\u4e0d\u5012\u95ed\uff0c\u6536\u76ca\u6709\u62c5\u4fdd<\/span>\u3002<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>02<\/p>\n<p>\u6700\u57fa\u7840\u51cf\u7a0e<br \/>\n\u9000\u4f11\u8d26\u6237\u653e\u8db3\u94b1\u4e86\u5417\uff1f<\/p><\/blockquote>\n<p>\u7f8e\u56fd\u653f\u5e9c\u79ef\u6781\u9f13\u52b1\u4eba\u6c11\u4e3a\u9000\u4f11\u5b58\u94b1\uff0c\u56e0\u6b64\u5404\u7c7b\u578b\u7684\u9000\u4f11\u8d26\u6237\u90fd\u6709\u7a0e\u6536\u4e0a\u7684\u798f\u5229\u548c\u51cf\u514d\u3002<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-2460 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172.jpg\" alt=\"\u6700\u57fa\u7840\u51cf\u7a0e\" width=\"1080\" height=\"621\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172-300x173.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172-1024x589.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172-768x442.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172-696x400.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-172-1068x614.jpg 1068w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/621;\" \/><\/p>\n<p>\u5728\u516c\u53f8\u5de5\u4f5c\u7684\u670b\u53cb\u8981\u786e\u5b9a\u81ea\u5df1\u5b58\u6ee1\u4e86401K\u7684\u5e74\u5ea6\u4e0a\u9650\uff0850\u5c81\u4ee5\u4e0b $19,000\uff0c50\u5c81\u4ee5\u4e0a$25,000\uff09\uff0c\u800c\u65e0\u516c\u53f8\u9000\u4f11\u8d26\u6237\u7684\u670b\u53cb\u4eec\u8981\u786e\u5b9a\u5728\u81ea\u5df1\u7684IRA\uff08\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff09\u91cc\u5b58\u6ee1\u4e86\u94b1\u3002<\/p>\n<p>\u5bf9\u4e8e401K\/403B\u8fd8\u4e0d\u662f\u7279\u522b\u6e05\u695a\u7684\u8bfb\u8005\u53ef\u4ee5\u6e29\u4e60\u51af\u51af\u7684401K\u4e13\u680f\u6587\u7ae0\uff0c\u6295\u5165401K\uff0cIRA (\u4e0a\u96506000 \u62167000) \u53ca\u7c7b\u4f3c\u9000\u4f11\u8ba1\u5212\u4e2d\u7684\u8d44\u91d1\u4eab\u53d7\u5ef6\u8fdf\u4ed8\u7a0e\u4f18\u60e0\uff08\u9886\u53d6\u4e4b\u65f6\u7eb3\u7a0e\uff09\uff0c\u5bf9\u4e8e\u6536\u5165\u8f83\u9ad8\u7684\u4eba\u800c\u8a00\uff0c\u628a\u94b1\u6295\u5165\u5230\u9000\u4f11\u8d26\u6237\u662f\u4e00\u79cd\u975e\u5e38\u6709\u6548\u7684\u907f\u7a0e\u65b9\u5f0f\u3002<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>03<\/p>\n<p>\u7406\u8d22\u80fd\u624b\u51cf\u7a0e<br \/>\n\u5df2\u6709\u6295\u8d44\u8d26\u6237\uff1f<\/p><\/blockquote>\n<p>\u7a0e\u6536\u635f\u5931\u6536\u5272\uff08Tax-loss Harvesting\uff09\u3002\u7a0e\u6536\u635f\u5931\u6536\u5272\u662f\u5c06\u5f53\u671f\u4e8f\u635f\u7684\u8bc1\u5238\u5356\u51fa\uff0c\u7528\u5df2\u7ecf\u786e\u8ba4\u7684\u635f\u5931\u6765\u62b5\u6263\u6240\u83b7\u6295\u8d44\u6536\u76ca\u7684\u5e94\u4ea4\u7a0e\u6b3e\uff0c\u4ece\u800c\u4f7f\u539f\u6709\u6295\u8d44\u7ec4\u5408\u5728\u4ea7\u751f\u6536\u76ca\u7684\u57fa\u672c\u529f\u80fd\u4e4b\u4e0a\u53c8\u589e\u52a0\u4e86\u8282\u7a0e\u7684\u529f\u80fd\uff0c\u8fdb\u4e00\u6b65\u63d0\u5347\u7528\u6237\u7684\u6536\u76ca\u3002<\/p>\n<p>\u8fd9\u79cd\u65b9\u5f0f\u4e00\u822c\u7531\u4e13\u4e1a\u7406\u8d22\u516c\u53f8\u5e94\u7528\uff0c\u5e76\u9010\u6e10\u6210\u4e3a\u201c\u6807\u914d\u201d\u3002\u51af\u51af\u56e2\u961f\u80fd\u5b9e\u65f6\u76d1\u6d4b\u5e02\u573a\u53d8\u5316\u5e76\u5728\u7b2c\u4e00\u65f6\u95f4\u5bf9\u8d44\u4ea7\u7ec4\u5408\u8fdb\u884c\u8c03\u6574\uff0c\u4ee5\u6b64\u5b9e\u73b0\u5bf9\u8d44\u672c\u5229\u5f97\u7684\u6709\u6548\u62b5\u6263\u800c\u8fbe\u5230\u8282\u7a0e\u76ee\u7684\u3002<br \/>\n<img decoding=\"async\" class=\"size-full wp-image-2461 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173.jpg\" alt=\"\u7406\u8d22\u80fd\u624b\u51cf\u7a0e\" width=\"1080\" height=\"537\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173-300x149.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173-1024x509.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173-768x382.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173-696x346.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-173-1068x531.jpg 1068w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/537;\" \/>\u5408\u7406\u89c4\u5212\u548c\u51cf\u8f7b\u7a0e\u52a1\u662f\u91cd\u8981\u7684\u4e00\u4e2a\u7406\u8d22\u73af\u8282\uff0c\u5728\u7a0e\u5b63\u6765\u4e34\u4e4b\u9645\uff0c<strong>\u51af\u51af\u7684\u56e2\u961f\u9f13\u52b1\u60a8\u548c\u51af\u51af\u804a\u804a\u60a8\u7684\u7406\u8d22\u548c\u7a0e\u52a1\u60c5\u51b5\uff0c\u4e86\u89e3\u9002\u5408\u81ea\u5df1\u7684\u51cf\u7a0e\u7b56\u7565<\/strong>\u3002\u7b56\u7565\u6709\u5343\u4e07\u79cd\uff0c\u53ea\u6709\u627e\u5230\u6700\u5408\u9002\u81ea\u5df1\u7684\u90a3\u4e2a\u624d\u53ef\u4ee5\u6709\u6548\u907f\u7a0e\u548c\u52a0\u5927\u6548\u76ca\u3002<\/p>\n<p><strong>\u957f\u6309\u4e0b\u65b9\u4e8c\u7ef4\u7801\u76f4\u63a5\u6dfb\u52a0\u51af\u51af\u5fae\u4fe1\u3002<\/strong><\/p>\n<p>\u8054\u7cfb\u51af\u5e06<img decoding=\"async\" class=\"alignnone wp-image-2419 lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2020\/09\/1-3.jpg\" alt=\"\u51af\u51af\u5fae\u4fe1\" width=\"365\" height=\"471\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2020\/09\/1-3.jpg 488w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2020\/09\/1-3-233x300.jpg 233w\" data-sizes=\"(max-width: 365px) 100vw, 365px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 365px; --smush-placeholder-aspect-ratio: 365\/471;\" \/><\/p>\n<p style=\"text-align: center;\">\u7406\u8d22\u54a8\u8be2\u7535\u8bdd<br \/>\n\u529e\u516c\u5ba4\uff1a215-587-4612<br \/>\n\u624b\u673a\uff1a267-994-7742<\/p>\n<p style=\"text-align: center;\">\u8d44\u6df1\u6295\u8d44\u987e\u95ee | \u51af\u5e06<br \/>\n<img decoding=\"async\" class=\"size-full wp-image-2427 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-157.jpg\" alt=\"\u51af\u5e06\" width=\"620\" height=\"620\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-157.jpg 620w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-157-300x300.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2021\/05\/1-157-150x150.jpg 150w\" data-sizes=\"(max-width: 620px) 100vw, 620px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 620px; --smush-placeholder-aspect-ratio: 620\/620;\" \/><\/p>\n<p><em>\u7b80\u4ecb\uff1a\u51af\u5e06\u5728\u91d1\u878d\u884c\u4e1a\u7ecf\u5386\u4e30\u5bcc\uff0c\u4e8b\u4e1a\u521d\u671f\u5728\u4e0a\u5e02\u516c\u53f8\u505a\u91d1\u878d\u5206\u6790\u5e08\uff0c\u540e\u6709\u6295\u8d44\u94f6\u884c\u7ecf\u9a8c\u3002\u73b0\u5728\u7f8e\u56fd\u8457\u540d\u534e\u5c14\u8857\u56db\u5927\u6295\u884c\u4e4b\u4e00\u7684\u7f8e\u6797\u6295\u8d44\u505a\u7406\u8d22\u987e\u95ee\uff08Financial Advisor\uff09\uff0c\u6301\u6709\u591a\u9879\u6295\u8d44\u8d44\u683c\u8bc1\uff0c\u7cbe\u901a\u4e2d\u82f1\u6587\uff0c\u662f\u4f17\u591a\u534e\u4eba\u7684\u8d34\u8eab\u6295\u8d44\u7406\u8d22\u987e\u95ee\uff0c\u53ef\u63d0\u4f9b\u514d\u8d39\u7684\u6295\u8d44\u54a8\u8be2\u3002\u51af\u5e06\u7684\u6295\u8d44\u56e2\u961f\u7ecf\u9a8c\u4e30\u5bcc\uff0c\u638c\u63e1\u6295\u8d44\u5e02\u573a\u7684\u7b2c\u4e00\u4fe1\u606f\uff0c\u957f\u4e45\u4fdd\u6301\u7a33\u5b9a\u7684\u6295\u8d44\u56de\u62a5\u3002<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u968f\u77402020\u5e74\u7684\u5230\u6765\uff0c\u53c8\u662f\u5e74\u521d\u62a5\u7a0e\u5b63\u7684\u51c6\u5907\u671f\u4e86\u3002\u5408\u7406\u89c4\u5212\u548c\u51cf\u8f7b\u7a0e\u52a1\u662f\u91cd\u8981\u7684\u4e00\u4e2a\u7406\u8d22\u73af\u8282\u3002\u8fd9\u671f\u51af\u51af\u5206\u4eab\u7ed9\u5927\u5bb6\u4e00\u4e9b\u51cf\u8f7b\u7a0e\u52a1\u7684\u7406\u8d22\u624b\u6bb5\uff0c\u5305\u542b\u4e00\u4e9b\u65e0\u7a0e\u6295\u8d44\u7684\u8be6\u7ec6\u89e3\u91ca\uff0c\u76ee\u7684\u5728\u4e8e\u79d1\u666e\u5927\u5bb6\u5bf9\u8eab\u8fb9\u89e6\u624b\u53ef\u53ca\u7684\u7406\u8d22\u7a8d\u95e8\u3002 &nbsp; 01 \u65e0\u7a0e\u6295\u8d44 \u4e2d\u4ea7\u7684\u4f60\u597d\u597d\u5229\u7528\u4e86\u5417\uff1f &nbsp; \u65e0\u7a0e\u6295\u8d44\u8981\u79ef\u6781\u8003\u8651\u5e02\u653f\u503a\u5238\u548c\u8054\u90a6\u653f\u5e9c\u503a\u5238\u3002 \u5e02\u653f\u503a\u5238 \uff08Municipal Bonds\uff09 \u5e02\u653f\u503a\u5238\uff08Municipal Bonds) \u662f\u7531\u5dde\u6216\u5f53\u5730\u653f\u5e9c\u53d1\u884c\u7684\u503a\u5238\uff0c\u98ce\u9669\u5c0f\u800c\u4e14\u6240\u5f97\u5229\u606f\u597d\uff08\u5927\u7ea64%\uff09\uff0c\u6bcf\u4e2a\u6708\u5f97\u5229\u606f\uff0c\u4e0d\u9700\u7f34\u7eb3\u8054\u90a6\u6240\u5f97\u7a0e\u3002 \u7f8e\u56fd\u5e02\u653f\u503a\u5238\u662f\u7531\u5dde\u548c\u5730\u65b9\u653f\u5e9c\u4ee5\u53ca\u5730\u65b9\u516c\u5171\u673a\u6784\u4e3a\u7b79\u63aa\u5b66\u6821\u3001\u9053\u8def\u548c\u5176\u4ed6\u5927\u9879\u76ee\u7684\u5f00\u652f\u800c\u53d1\u884c\u7684\u957f\u671f\u503a\u52a1\u5de5\u5177\u3002\u5e02\u653f\u503a\u6709\u5065\u5168\u7684\u98ce\u9669\u63a7\u5236\u673a\u5236\uff0c\u5305\u62ec\u4fe1\u606f\u900f\u660e\u3001\u4fe1\u7528\u8bc4\u7ea7\u548c\u503a\u5238\u4fdd\u9669\u7b49\u63aa\u65bd\u3002 \u90a3\u4e48\u4e3a\u4ec0\u4e48\u65e0\u7a0e\u5462\uff1f\u56e0\u4e3a\u8fd9\u662f\u5dde\u653f\u5e9c\u4e3a\u4e86\u5438\u5f15\u6295\u8d44\u8005\u4e70\u8fdb\u81ea\u5df1\u503a\u5238\u7684\u4e00\u4e2a\u624b\u6bb5\u2014\u2014\u7f8e\u56fd\u7684\u503a\u5238\u5e02\u573a\u9009\u62e9\u591a\u4e5f\u6709\u7ade\u4e89\uff0c\u4e3a\u4e86\u8ba9\u6295\u8d44\u8005\u4e70\u8fdb\u5e02\u653f\u5e9c\u7684\u503a\u5238\uff0c\u514d\u8054\u90a6\u7a0e\u5c31\u662f\u4e00\u4e2a\u5438\u5f15\u5927\u5bb6\u7684\u5730\u65b9\u3002 \u4e3e\u4f8b\u5b50\u8bb2\uff0c\u5982\u679c\u5e02\u653f\u503a\u5238\u7684\u56de\u62a5\u662f4%\uff0c\u4e00\u4f4d\u4e2d\u4ea7\u4eba\u58eb\u7684\u8054\u90a6\u6536\u5165\u7a0e\u572832%\uff0c\u90a3\u4e48\u5b9e\u9645\u7684\u56de\u62a5\u7387\u662f5.88%\uff0c\u8ba1\u7b97\u516c\u5f0f\u662f\uff1a \u4e0b\u56fe\u6709\u4e00\u4e2a\u8be6\u7ec6\u7684\u5217\u8868\uff0c\u7528\u7684\u662f7%\u56de\u62a5\u7387\uff0c\u5c55\u793a\u51fa\u5b9e\u9645\u7684\u56de\u62a5\u7387\u53ef\u8fbe\u523010.77%\u4e4b\u9ad8\uff0c\u5bf9\u4e8e\u7a0e\u6536\u9ad8\u7684\u6295\u8d44\u8005\u6765\u8bb2\uff0c\u5229\u7528\u5e02\u653f\u503a\u5238\u4f5c\u4e3a\u7406\u8d22\u7684\u4e00\u90e8\u5206\u5b9e\u5728\u662f\u5f88\u91cd\u8981\u3002 &nbsp; \u8054\u90a6\u653f\u5e9c\u503a\u5238 \uff08Treasury Bonds\uff09 \u5bf9\u4e8e\u975e\u5e38\u4fdd\u5b88\uff0c\u53ea\u559c\u6b22\u94f6\u884c\u5b58\u6b3e\uff0c\u4e00\u70b9\u98ce\u9669\u90fd\u4e0d\u5192\u7684\u670b\u53cb\u4eec\uff0c\u5e94\u8be5\u8003\u8651\u5c06\u94b1\u6295\u8d44\u4e8e\u8054\u90a6\u653f\u5e9c\u503a\u5238(Treasury Bonds)\u6765\u83b7\u5f97\u514d\u7a0e\u4f18\u60e0\u3002 \u6240\u5f97\u6536\u76ca\uff0c\u4e0d\u7ba1\u53d6\u51fa\u6216\u518d\u6295\u8d44\uff0c\u90fd\u4e0d\u9700\u8981\u7f34\u7eb3\u8054\u90a6\u6240\u5f97\u7a0e\u3002\u8054\u90a6\u653f\u5e9c\u503a\u5238\u662f\u7f8e\u56fd\u653f\u5e9c\u53d1\u884c\u7684\u503a\u52a1\uff0c\u5229\u606f\u4f4e\u4f46\u662f\u57fa\u672c\u548c\u94f6\u884c\u5b58\u6b3e\u98ce\u9669\u76f8\u5f53\uff0c\u56e0\u4e3a\u4e24\u4e2a\u90fd\u662f\u7f8e\u56fd\u653f\u5e9c\u62c5\u4fdd\u3002\u53ea\u8981\u7f8e\u56fd\u653f\u5e9c\u4e0d\u5012\u95ed\uff0c\u6536\u76ca\u6709\u62c5\u4fdd\u3002 &nbsp; 02 \u6700\u57fa\u7840\u51cf\u7a0e \u9000\u4f11\u8d26\u6237\u653e\u8db3\u94b1\u4e86\u5417\uff1f 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\u53ca\u7c7b\u4f3c\u9000\u4f11\u8ba1\u5212\u4e2d\u7684\u8d44\u91d1\u4eab\u53d7\u5ef6\u8fdf\u4ed8\u7a0e\u4f18\u60e0\uff08\u9886\u53d6\u4e4b\u65f6\u7eb3\u7a0e\uff09\uff0c\u5bf9\u4e8e\u6536\u5165\u8f83\u9ad8\u7684\u4eba\u800c\u8a00\uff0c\u628a\u94b1\u6295\u5165\u5230\u9000\u4f11\u8d26\u6237\u662f\u4e00\u79cd\u975e\u5e38\u6709\u6548\u7684\u907f\u7a0e\u65b9\u5f0f\u3002 &nbsp; 03 \u7406\u8d22\u80fd\u624b\u51cf\u7a0e \u5df2\u6709\u6295\u8d44\u8d26\u6237\uff1f \u7a0e\u6536\u635f\u5931\u6536\u5272\uff08Tax-loss Harvesting\uff09\u3002\u7a0e\u6536\u635f\u5931\u6536\u5272\u662f\u5c06\u5f53\u671f\u4e8f\u635f\u7684\u8bc1\u5238\u5356\u51fa\uff0c\u7528\u5df2\u7ecf\u786e\u8ba4\u7684\u635f\u5931\u6765\u62b5\u6263\u6240\u83b7\u6295\u8d44\u6536\u76ca\u7684\u5e94\u4ea4\u7a0e\u6b3e\uff0c\u4ece\u800c\u4f7f\u539f\u6709\u6295\u8d44\u7ec4\u5408\u5728\u4ea7\u751f\u6536\u76ca\u7684\u57fa\u672c\u529f\u80fd\u4e4b\u4e0a\u53c8\u589e\u52a0\u4e86\u8282\u7a0e\u7684\u529f\u80fd\uff0c\u8fdb\u4e00\u6b65\u63d0\u5347\u7528\u6237\u7684\u6536\u76ca\u3002 \u8fd9\u79cd\u65b9\u5f0f\u4e00\u822c\u7531\u4e13\u4e1a\u7406\u8d22\u516c\u53f8\u5e94\u7528\uff0c\u5e76\u9010\u6e10\u6210\u4e3a\u201c\u6807\u914d\u201d\u3002\u51af\u51af\u56e2\u961f\u80fd\u5b9e\u65f6\u76d1\u6d4b\u5e02\u573a\u53d8\u5316\u5e76\u5728\u7b2c\u4e00\u65f6\u95f4\u5bf9\u8d44\u4ea7\u7ec4\u5408\u8fdb\u884c\u8c03\u6574\uff0c\u4ee5\u6b64\u5b9e\u73b0\u5bf9\u8d44\u672c\u5229\u5f97\u7684\u6709\u6548\u62b5\u6263\u800c\u8fbe\u5230\u8282\u7a0e\u76ee\u7684\u3002 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