3. \u8d44\u91d1\u5b89\u5168\u95ee\u9898\uff1a<\/strong>
<\/p>\n\n\n\n\u524d\u4e24\u4e2a\u5b89\u5168\u95ee\u9898\uff0c\u8d26\u6237\u5b89\u5168\u548c\u4ea4\u6613\u5b89\u5168\uff0c\u90fd\u548c\u5238\u5546\u6709\u5f88\u5927\u7684\u5173\u7cfb\uff0c\u8fd9\u91cc\u7684\u8d44\u91d1\u5b89\u5168\u95ee\u9898\u5c31\u4e3b\u8981\u548c\u76d1\u7ba1\u673a\u6784\uff0c\u6258\u7ba1\u673a\u6784\u6709\u5173\u3002<\/p>\n\n\n\n
\u8fd9\u91cc\u7684\u6258\u7ba1\u673a\u6784\u4e3b\u8981\u662f\u7b2c\u4e09\u65b9\u94f6\u884c\uff0c\u76d1\u7ba1\u673a\u6784\u4e3b\u8981\u6709\u4e24\u4e2a\uff1a<\/p>\n\n\n\n
\u8054\u90a6\u5b58\u6b3e\u4fdd\u9669\u516c\u53f8 ( FDIC, the Federal Deposit Insurance Corp. )<\/p>\n\n\n\n
\u8bc1\u5238\u6295\u8d44\u8005\u4fdd\u62a4\u516c\u53f8 ( SIPC, Securities Investor Protection Corp. )<\/p>\n\n\n\n
\u5982\u679c\u94f6\u884c\u7834\u4ea7\uff0cFDIC\u4e3a\u6bcf\u4e00\u4e2a\u5b58\u6b3e\u4eba\uff0c\u540c\u4e00\u4e2a\u8d26\u6237\u7c7b\u578b\uff0c\u540c\u4e00\u4e2a\u94f6\u884c\u63d0\u4f9b\u4e0a\u965025\u4e07\u7f8e\u5143\u7684\u5b58\u6b3e\u4fdd\u989d\u3002\u4ec5\u9650\u5728\u7f8e\u56fd\u5883\u5185\uff0cFDIC\u6210\u5458\u94f6\u884c\u673a\u6784\u5f00\u8bbe\u7684\u8d26\u6237\uff0c\u4e0d\u9650\u8d26\u6237\u6301\u6709\u8005\u5730\u533a\u548c\u56fd\u7c4d\u3002<\/p>\n\n\n\n
\u5982\u679c\u5238\u5546\u7834\u4ea7\uff0cSIPC\u4e3a\u6bcf\u4e00\u4e2a\u6295\u8d44\u4eba\uff0c\u540c\u4e00\u4e2a\u8bc1\u5238\u516c\u53f8\u7684\u8d26\u6237\u63d0\u4f9b\u4e0a\u965050\u4e07\u7f8e\u5143\u7684\u8d44\u4ea7\u4fdd\u989d\uff0c\u5305\u62ec25\u4e07\u7f8e\u5143\u7684\u73b0\u91d1\u7c7b\u8d44\u4ea7\u4fdd\u989d\u3002\u4ec5\u9650SIPC\u6210\u5458\u5238\u5546\u8d26\u6237\uff0c\u4e0d\u9650\u8d26\u6237\u6301\u6709\u8005\u5730\u533a\u548c\u56fd\u7c4d\u3002<\/p>\n\n\n\n
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\u53e6\u5916\uff0c\u9700\u8981\u5148\u7279\u522b\u8bf4\u660e\u4e00\u4e0b\u94f6\u884c\u8d26\u6237\u548c\u5238\u5546\u8d26\u6237\u7684\u672c\u8d28\u533a\u522b\uff1a<\/p>\n\n\n\n
\u7406\u8bba\u4e0a\uff0c\u6295\u8d44\u4eba\u653e\u5728\u94f6\u884c\u8d26\u6237\u7684\u8d44\u91d1\uff0c\u94f6\u884c\u662f\u6709\u6743\u9650\u8fdb\u884c\u7ba1\u7406\uff0c\u518d\u6295\u8d44\uff0c\u518d\u64cd\u4f5c\u7684\u3002\u4f46\u662f\u6295\u8d44\u4eba\u653e\u5728\u5238\u5546\u8d26\u6237\u7684\u8d44\u91d1\uff0c\u5238\u5546\u662f\u6ca1\u6709\u6743\u9650\u8fdb\u884c\u7ba1\u7406\uff0c\u518d\u6295\u8d44\uff0c\u518d\u64cd\u4f5c\u3002\u5238\u5546\u8d26\u6237\u7684\u8d44\u91d1\uff0c\u5176\u5b9e\u5e76\u4e0d\u5728\u5238\u5546\u81ea\u5df1\uff0c\u800c\u662f\u5728\u7b2c\u4e09\u4e2a\u6258\u7ba1\u673a\u6784\uff0c\u4e00\u822c\u662f\u67d0\u4e2a\u5408\u4f5c\u7684\u94f6\u884c\u3002<\/p>\n\n\n\n
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\u5609\u4fe1\u7406\u8d22\u5ba2\u6237\u8d44\u4ea7\u89c4\u6a21\u67098.88\u4e07\u4ebf\u7f8e\u91d1\u3002
<\/p>\n\n\n\n![\"\u56fe\u7247\"\/](\"https:\/\/mmbiz.qpic.cn\/sz_mmbiz_png\/ETrZ0L6yRTajgXj3MsC7bbiaY52uibuGA4FtRWqMPXPYjcN3gGZhA9LglfCicWecw81vnDnqEpG2tETicINAibp6Lhw\/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1\")
<\/figure>\n\n\n\n\u4f46\u662f\u5609\u4fe1\u7406\u8d22\u7684\u8d22\u62a5\u4e0a\uff0c\u5609\u4fe1\u7406\u8d22\u7684\u603b\u8d44\u4ea7\u53ea\u67095000\u591a\u4ebf\u7f8e\u91d1\u3002<\/p>\n\n\n\n![\"\u56fe\u7247\"\/](\"https:\/\/mmbiz.qpic.cn\/sz_mmbiz_png\/ETrZ0L6yRTajgXj3MsC7bbiaY52uibuGA4HFetRibmE6POdJaC2jpIvicibrQseVxeW8o7zic8AxyX7pHYic6eHQpd9iaw\/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1\")
<\/figure>\n\n\n\n\u8fd9\u91cc\u4e5f\u53ef\u4ee5\u770b\u51fa\uff0c\u7edd\u5927\u90e8\u5206\u5ba2\u6237\u8d44\u91d1\u5e76\u4e0d\u5728\u5609\u4fe1\u7406\u8d22\u7684\u8d26\u6237\u91cc\uff0c\u8fd9\u4e5f\u662f\u4e3a\u4ec0\u4e48\u5238\u5546\u8d26\u6237\u4e0d\u53d7FDIC\u4fdd\u62a4\uff0c\u53ea\u53d7SIPC\u4fdd\u62a4\uff0c\u56e0\u4e3a\u8fd9\u7b14\u94b1\u5238\u5546\u5b83\u81ea\u5df1\u4e5f\u6ca1\u62ff\u5230\uff0c\u90fd\u53bb\u5230\u4e86\u7b2c\u4e09\u65b9\u6258\u7ba1\u8d26\u6237\u3002<\/p>\n\n\n\n
\u90a3\u4e48\uff0c\u5982\u679c\u5609\u4fe1\u7406\u8d22\u5012\u95ed\u4e86\uff0c\u5609\u4fe1\u65d7\u4e0b\u7684ETF\uff0c\u6bd4\u5982SCHD\u4f1a\u600e\u4e48\u6837\uff1f\u5982\u679c\u5148\u950b\u96c6\u56e2\u5012\u95ed\u4e86\uff0c\u5b83\u65d7\u4e0b\u7684VTI\u4f1a\u600e\u4e48\u6837\uff1f<\/p>\n\n\n\n![\"\u56fe\u7247\"\/](\"https:\/\/mmbiz.qpic.cn\/sz_mmbiz_png\/ETrZ0L6yRTajgXj3MsC7bbiaY52uibuGA4Uvia45KWbBBG6JMwrB2jLVosohUSia5EffnZ6rLI3onxsRzbrQOAkMHw\/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1\")
<\/figure>\n\n\n\n\u8d44\u7ba1\u673a\u6784(\u5609\u4fe1\/\u5148\u950b\/\u5bcc\u8fbe\u7b49)\u53ea\u6709\u7ba1\u7406\u6743\uff0c\u6ca1\u6709\u5b8c\u5168\u5904\u7f6e\u6743\u548c\u63a7\u5236\u6743\uff0c\u5982\u679c\u5148\u950b\u6216\u8005\u5609\u4fe1\u5982\u679c\u5012\u95ed\uff0c\u6362\u53e6\u5916\u4e00\u4e2a\u8d44\u7ba1\u673a\u6784\u5c31\u53ef\u4ee5\u4e86\uff0cETF\u57fa\u91d1\u7684\u8d44\u91d1\u8fd8\u662f\u4e0d\u53d8\u7684\u3002\u5f53\u7136\uff0c\u5982\u679c\u8fd9\u4e9b\u5238\u5546\u90fd\u5012\u95ed\u4e86\uff0c\u90a3\u5e02\u573a\u4e00\u5b9a\u662f\u53d1\u751f\u4e86\u6bd4\u5386\u6b21\u7ecf\u6d4e\u5371\u673a\u66f4\u4e25\u91cd\u7684\u4e8b\u60c5\u3002<\/p>\n\n\n\n
\u6240\u4ee5\uff0c\u8d44\u91d1\u5b89\u5168\u95ee\u9898\uff0c\u5728\u5904\u7406\u597d\u8d26\u6237\u5b89\u5168\u540e\uff0c\u4e3b\u8981\u5c31\u770b\u76d1\u7ba1\u6216\u6258\u7ba1\u673a\u6784\u4e86\u3002<\/p>\n\n\n\n
4. \u51fa\u5165\u91d1\u5b89\u5168\u95ee\u9898\uff1a<\/strong><\/p>\n\n\n\n\u51fa\u5165\u91d1\u5b89\u5168\u95ee\u9898\u6d89\u53ca\u5230\u4e24\u65b9\uff0c\u5238\u5546\u548c\u94f6\u884c\u3002\u56e0\u4e3a\u6bcf\u4e2a\u94f6\u884c\u548c\u5238\u5546\u81ea\u8eab\u89c4\u5b9a\u548c\u653f\u7b56\u4e0d\u4e00\u6837\uff0c\u51fa\u5165\u91d1\u7684\u7528\u6237\u4f53\u611f\u5dee\u5f02\u4f1a\u975e\u5e38\u5927\u3002<\/p>\n\n\n\n
\u5feb\u7684\u94f6\u884c\u548c\u5238\u5546\u4e00\u4e24\u4e2a\u4ea4\u6613\u65e5\u5c31\u80fd\u5b8c\u6210\u6574\u4e2a\u51fa\u5165\u91d1\u6d41\u7a0b\uff0c\u6162\u4e00\u70b9\u7684\u89815\u4e2a\u4ea4\u6613\u65e5\u3002\u53e6\u5916\uff0c\u4e0d\u540c\u5238\u5546\u548c\u94f6\u884c\u5bf9\u4e8e\u51fa\u5165\u91d1\u8fd8\u6709\u6bcf\u65e5\u9650\u989d\u6216\u6bcf\u5468\uff0c\u6bcf\u6708\u9650\u989d\u3002<\/p>\n\n\n\n
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5. \u7a0e\u52a1\u5b89\u5168\u95ee\u9898\uff1a<\/strong><\/p>\n\n\n\n![\"\u56fe\u7247\"\/](\"https:\/\/mmbiz.qpic.cn\/sz_mmbiz_png\/ETrZ0L6yRTaHIicNYMicC9pNVjtraq3GvKd2FGuTrVeBOFf6bZz6W0TSQowa1W7AK6qGeFRCEIRL60fIFICbxHzQ\/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1\")
<\/figure>\n\n\n\n\u53ea\u8981\u662f\u5927\u90e8\u5206\u4eba\u80fd\u8d5a\u5230\u94b1\u7684\u6e20\u9053\uff0c\u7a0e\u662f\u4e00\u5b9a\u4f1a\u76f8\u4f34\u51fa\u73b0<\/strong>\u3002<\/p>\n\n\n\n\u7a0e\u52a1\u95ee\u9898\u5176\u5b9e\u662f\u4e00\u4e2a\u6bd4\u8f83\u590d\u6742\uff0c\u7cfb\u7edf\u7684\u95ee\u9898\uff0c\u8fd9\u91cc\u4ec5\u8ba8\u8bba\u4ee5\u7f8e\u80a1\u4ea4\u6613\u548c\u6295\u8d44\u76f8\u5173\u7684\u7a0e\u52a1\u95ee\u9898\u3002<\/p>\n\n\n\n
\u9996\u5148\uff0c\u7f8e\u80a1\u4e3b\u8981\u6709\u4e24\u4e2a\u7a0e\uff1a\u8d44\u672c\u5229\u5f97\u7a0e\u548c\u80a1\u606f\u7a0e\u3002\u7a0e\u52a1\u662f\u4ee5\u8d26\u6237\u4e3a\u5355\u4f4d\u8fdb\u884c\u7edf\u8ba1\u8ba1\u7b97\u3002\u4e00\u822c\u60c5\u51b5\u4e0b\uff0c\u5238\u5546\u6bcf\u5e74\u90fd\u4f1a\u81ea\u52a8\u751f\u6210\u4e00\u4e2a\u7a0e\u8868\uff0c1099\uff0c\u4e0a\u9762\u4f1a\u8be6\u7ec6\u8bb0\u5f55\u5404\u9879\u4ea4\u6613\u53ca\u5176\u7a0e\u52a1\u60c5\u51b5\u3002<\/p>\n\n\n\n
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\u975e\u7f8e\u56fd\u5c45\u6c11\u7528\u6237\uff1a<\/strong>
\u7b80\u5355\u7406\u89e3\uff0c\u5c31\u662f\u4e0d\u5c45\u4f4f\u5728\u7f8e\u56fd\u7684\u6295\u8d44\u8005\u7528\u6237\uff0c\u6216\u8005\u4e25\u8c28\u70b9\u8bf4\uff0c\u662f\u975e\u7f8e\u56fd\u7a0e\u6536\u5c45\u6c11\u3002\u6bd4\u5982\uff0c\u4e2d\u56fd\uff0c\u65e5\u672c\uff0c\u97e9\u56fd\uff0c\u52a0\u62ff\u5927\uff0c\u82f1\u56fd\u7b49\u7b49\uff0c\u90fd\u53ef\u4ee5\u7b97\u4f5c\u975e\u7f8e\u56fd\u5c45\u6c11\u7528\u6237\uff0c\u8bc1\u5238\u8d26\u6237\u5f52\u7c7b\u4e3a\u975e\u7a0e\u6536\u5c45\u6c11\uff0c\u5e76\u4e14\u5238\u5546\u4f1a\u81ea\u52a8\u751f\u6210W-8 BEN\u8868\u683c\uff0c\u9632\u6b62\u7528\u6237\u88ab\u6263\u7a0e\u3002<\/p>\n\n\n\n\u4f18\u52bf\uff1a\u8fd9\u7c7b\u8d26\u6237\u8d44\u672c\u5229\u5f97\u7a0e\u4e3a0<\/strong>\uff0c\u80a1\u606f\u7a0e\u9ed8\u8ba4\u4e3a10-30%\u5de6\u53f3\uff0c\u4e0d\u540c\u56fd\u7c4d\u7a0e\u7387\u4e0d\u4e00\u6837\uff0c\u6bd4\u5982\u4e2d\u56fd\u5c45\u6c11\u7528\u6237\uff0c\u7f8e\u80a1\u7684\u80a1\u606f\u7a0e\u7387\u9ed8\u8ba4\u4e3a10%<\/strong>\uff0c\u5176\u4ed6\u56fd\u7c4d\u53ef\u80fd\u4e3a20-30%\u3002\u90e8\u5206\u9ed8\u8ba4\u9884\u6263\u80a1\u606f\u7a0e\u8fd8\u53ef\u4ee5\u627eIRS\u8981\u56de\u3002\u540c\u65f6\uff0c\u7531\u4e8e\u4e2d\u56fd\u672c\u8eab\u6ca1\u6709\u8d44\u672c\u5229\u5f97\u7a0e\uff0c\u6240\u4ee5\uff1a<\/p>\n\n\n\n\u4e2d\u56fd\u5c45\u6c11\u7528\u6237\u4ea4\u6613\u53ca\u6295\u8d44\u7f8e\u80a1\uff0c\u4e0d\u7528\u4ea4\u4efb\u4f55\u7a0e\uff0c0\u7a0e\u7387\u3002\u53e6\u5916\uff0c\u73b0\u5728\u7f8e\u80a1\u5238\u5546\u5df2\u7ecf\u8fdb\u51650\u4f63\u91d1\uff0c0\u4ea4\u6613\u8d39\u65f6\u4ee3\u3002\u6240\u4ee5\uff0c\u6ca1\u6709\u4efb\u4f55\u4ea4\u6613\u6210\u672c\uff0c\u8d5a\u591a\u5c11\u90fd\u662f\u81ea\u5df1\u7684\uff0c\u771f\u9999\u3002<\/strong><\/p>\n\n\n\n\u52a3\u52bf\uff1a\u51e0\u4e4e\u6ca1\u6709\u52a3\u52bf\u3002
<\/p>\n\n\n\n
PS: \u5982\u679c\u6709\u5238\u5546\u4ee5\u67d0\u4e9b\u7406\u7531\u6263\u4f60\u7a0e\u4e86\uff0c\u7b2c\u4e00\u65f6\u95f4\u627e\u5ba2\u670d\u8be2\u95ee\u6e05\u695a\u539f\u56e0\uff0c\u5e76\u8981\u6c42\u9000\u56de\uff0c\u5982\u679c\u4e0d\u9000\u56de\u76f4\u63a5\u6295\u8bc9\u5c31\u5b8c\u4e8b\u3002<\/p>\n\n\n\n
———————<\/p>\n\n\n\n
\u7f8e\u56fd\u5c45\u6c11\u7528\u6237\uff1a<\/strong><\/p>\n\n\n\n\u7b80\u5355\u7406\u89e3\u5c31\u662f\u5c45\u4f4f\u5728\u7f8e\u56fd\uff0c\u6216\u8005\u662f\u7f8e\u56fd\u7a0e\u6536\u5c45\u6c11\u7528\u6237\uff0c\u5e76\u4e14\u6709SSN\u3002<\/p>\n\n\n\n
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\u53e6\u5916\uff0c\u80a1\u606f\u4e5f\u5206\u4e3aQualified\u548cUnqualified\uff0c\u4e24\u8005\u7a0e\u7387\u76f8\u5dee10%\uff0c\u4e3b\u8981\u533a\u522b\u5c31\u662f\u6301\u80a1\u5468\u671f\uff0c\u548c\u6301\u80a1\u6807\u7684\u3002\u8ba1\u7b97\u89c4\u5219\u8fc7\u4e8e\u7e41\u7410\uff0c\u8fd9\u91cc\u4e0d\u5c55\u793a\u4e86\uff0c\u53ef\u4ee5\u53bbIRS\u5b98\u7f51\u67e5\u8be2\u3002\u8fd9\u4e9b\u7e41\u7410\u89c4\u5219\u7684\u76ee\u7684\u4e5f\u662f\u4e3a\u4e86\u523a\u6fc0\u957f\u671f\u6295\u8d44\u3002<\/p>\n\n\n\n
\u6240\u4ee5\uff0c\u5bf9\u4e8e\u80a1\u606f\u80a1\uff0c\u8981\u60f3\u5c3d\u53ef\u80fd\u7684\u5c11\u7a0e\uff0c\u5c3d\u91cf\u9009\u6709Qualified\u6807\u8bb0\u7684\uff0c\u7136\u540e\u5c3d\u91cf\u957f\u6301\u4e0d\u7528\u52a8\u3002<\/p>\n\n\n\n
\u7efc\u4e0a\uff0c\u6574\u4f53\u6765\u770b\uff0c\u7f8e\u56fd\u5c45\u6c11\u7528\u6237\u6bd4\u975e\u7f8e\u56fd\u5c45\u6c11\u7528\u6237\u8981\u591a\u4ed8\u8fd120%\u5de6\u53f3\u7684\u7a0e\u3002<\/strong><\/p>\n\n\n\n————————<\/p>\n\n\n\n
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\u7b80\u5355\u6765\u8bf4\u5c31\u662f\u4e24\u7c7b\uff1a<\/p>\n\n\n\n
\u4f20\u7edf\u9000\u4f11\u91d1\u8d26\u6237(Tranditional IRA)\u548c\u7f57\u7d20\u9000\u4f11\u91d1\u8d26\u6237(Roth IRA)\u3002\u4e3b\u8981\u533a\u522b\u5c31\u662f\uff1a<\/p>\n\n\n\n
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\u56e0\u4e3a\u8fd9\u4e24\u7c7b\u8d26\u6237\u6709\u7a0e\u6536\u4f18\u60e0\u7684\u6548\u679c\uff0c\u6240\u4ee5\u8fd9\u4e24\u7c7b\u8d26\u6237\u6bcf\u5e74\u90fd\u6709\u9650\u989d\uff0c\u76ee\u524d\u4e00\u5e74\u7684\u5b58\u5165\u9650\u989d\u662f7500\u7f8e\u91d1\u5de6\u53f3\uff0c\u6bcf\u5e74\u989d\u5ea6\u90fd\u4e0d\u4e00\u6837\uff0c\u800c\u4e14\u4f1a\u6839\u636e\u8d26\u6237\u6301\u6709\u4eba\u7684\u5e74\u9f84\u8fdb\u884c\u8c03\u6574\u3002<\/p>\n\n\n\n
\u53e6\u5916\uff0c\u7531\u4e8eRoth IRA\u7a0e\u6536\u4f18\u60e0\u8fc7\u5927\uff0c\u53ea\u6709\u6536\u5165\u4f4e\u4e8e\u4e00\u5b9a\u6807\u51c6\u624d\u53ef\u4ee5\u5b58\u5165\uff1a<\/p>\n\n\n\n![\"\u56fe\u7247\"\/](\"https:\/\/mmbiz.qpic.cn\/sz_mmbiz_png\/ETrZ0L6yRTYibUoFELib4VkeU5AEWgcByJV7wLSNO9EVkANR0sLfoFaopPFBM6A0hqNhmsnKAkhloM4pnSzafl4g\/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1\")
<\/figure>\n\n\n\n\u770b\u5230\u8fd9\uff0c\u5982\u679c\u6709\u9ad8\u6536\u5165\u7684\u80a1\u4e1c\u670b\u53cb\uff0c\u4e5f\u8bb8\u4f1a\u95ee\uff0c\u8fd8\u6709\u6ca1\u6709\u529e\u6cd5\u4eab\u53d7Roth IRA\u8fd9\u79cd\u7a0e\u6536\u4f18\u60e0\uff1f<\/p>\n\n\n\n
\u5f53\u7136\uff0c\u80af\u5b9a\u662f\u6709\uff0c\u53ea\u6709\u60f3\u4e0d\u5230\u7684\u9700\u6c42\uff0c\u6ca1\u6709\u534e\u5c14\u8857\u73a9\u4e0d\u51fa\u6765\u7684<\/strong>\u4ea7\u54c1\u3002<\/strong><\/p>\n\n\n\n\u53ef\u4ee5\u81ea\u884c\u8c37\u6b4cBackdoor Roth IRA\uff0c\u4e0d\u8fc7\u4f18\u60e0\u4f1a\u6253\u6298\u6263\uff0c\u64cd\u4f5c\u8fc7\u7a0b\u4e2d\u4f1a\u9700\u8981\u8865\u4e00\u5b9a\u7684\u7a0e\uff0c\u8fd9\u91cc\u5c31\u4e0d\u8d58\u8ff0\u4e86\u3002<\/p>\n\n\n\n
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