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1. \u507f\u8fd8\u9ad8\u5229\u7387\u503a\u52a1
\n\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361\u4e0a\u6709\u4f59\u989d\uff0c\u5e76\u4e14\u8981\u652f\u4ed820%\u523030%\u7684\u5229\u606f\uff0c\u90a3\u4e48\u628a\u5b83\u4f5c\u4e3a\u4f60\u7684\u9996\u8981\u4efb\u52a1\u6765\u507f\u8fd8\u3002\u5728\u5982\u6b64\u9ad8\u5229\u7387\u4e0b\uff0c\u201c\u503a\u52a1\u7684\u589e\u957f\u901f\u5ea6\u53ef\u80fd\u4f1a\u5feb\u4e8e\u4f60\u7684\u507f\u8fd8\u901f\u5ea6\uff0c\u201d\u6ce8\u518c\u7406\u8d22\u89c4\u5212\u5e08\u3001Betterment\u7684\u7a0e\u52a1\u4e3b\u7ba1\u57c3\u91cc\u514b\u00b7\u5e03\u6717\u5357\u574e\u7279\uff08Eric Bronnenkant\uff09\u8868\u793a\u3002Betterment\u662f\u4e00\u5bb6\u63d0\u4f9b\u673a\u5668\u4eba\u54a8\u8be2\u91d1\u878d\u670d\u52a1\u7684\u516c\u53f8\uff0c\u540c\u65f6\u4e5f\u6709\u4e00\u4e2a\u4eba\u5de5\u54a8\u8be2\u56e2\u961f\u968f\u65f6\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5e2e\u52a9\u3002<\/p>\n
Four Ponds Financial Planning\u7684\u6ce8\u518c\u7406\u8d22\u89c4\u5212\u5e08\u79d1\u4e9a\u5a1c\u00b7\u62c9\u65af\uff08Keyana Russ\uff09\u4e5f\u6307\u51fa\uff0c\u4eba\u4eec\u5e76\u4e0d\u603b\u662f\u610f\u8bc6\u5230\u968f\u7740\u65f6\u95f4\u63a8\u79fb\u4ed6\u4eec\u8981\u652f\u4ed8\u591a\u5c11\u5229\u606f\u3002\u201c\u6211\u7ecf\u5e38\u770b\u5230\u4eba\u4eec\u53ea\u652f\u4ed8\u6700\u4f4e\u8fd8\u6b3e\uff0c\u6216\u8005\u4ed6\u4eec\u5728\u4e00\u4e2a\u6708\u7ed3\u675f\u65f6\u6ca1\u6709\u507f\u8fd8\u8d26\u5355\u4e0a\u7684\u6bcf\u65e5\u5f00\u9500\u3002\u4ed6\u4eec\u4e0d\u660e\u767d\u81ea\u5df1\u652f\u4ed8\u4e86\u591a\u5c11\u5229\u606f\uff0c\u201d\u62c9\u65af\u8bf4\u3002\u4e3e\u4f8b\u6765\u8bf4\uff0c\u5982\u679c\u4f60\u6709\u4e00\u7b143000\u7f8e\u5143\u7684\u8d37\u6b3e\uff0c\u5229\u606f\u4e3a27%\uff0c\u800c\u4f60\u6bcf\u6708\u53ea\u652f\u4ed8\u6700\u4f4e\u8981\u6c42\u768497.5\u7f8e\u5143\uff0c\u90a3\u4e48\u4f60\u9700\u8981240\u4e2a\u6708\uff0c\u4e5f\u5c31\u662f20\u5e74\uff0c\u624d\u80fd\u8fd8\u6e05\u8fd93000\u7f8e\u5143\u3002\u6b64\u5916\uff0c\u6839\u636eBankrate.com\u7684\u8ba1\u7b97\u5668\uff0c\u4f60\u8fd8\u9700\u8981\u652f\u4ed83044.57\u7f8e\u5143\u7684\u5229\u606f\uff0c\u603b\u5171\u9700\u89816044.57\u7f8e\u5143\u3002<\/p>\n
2. \u5efa\u7acb\u6216\u589e\u52a0\u7d27\u6025\u57fa\u91d1
\n\u4f60\u53ef\u4ee5\u5229\u7528\u9000\u6b3e\u6765\u542f\u52a8\u6216\u652f\u6301\u4e00\u4e2a\u5e94\u6025\u57fa\u91d1\u3002\u5f53\u6d89\u53ca\u5230\u6602\u8d35\u7684\u7d27\u6025\u60c5\u51b5\u65f6\uff0c\u8bb8\u591a\u7f8e\u56fd\u4eba\u6ca1\u6709\u8db3\u591f\u7684\u50a8\u5907\u91d1\uff0c\u4ee5\u81f3\u4e8e\u65e0\u6cd5\u8f7b\u677e\u5904\u74061000\u7f8e\u5143\u7684\u610f\u5916\u8d26\u5355\u3002\u62c9\u65af\u5efa\u8bae\u5c06\u8d44\u91d1\u5b58\u5165\u4e00\u4e2aFDIC\u4fdd\u9669\u7684\u9ad8\u6536\u76ca\u50a8\u84c4\u8d26\u6237\uff0c\u6307\u51fa\u6700\u4f73\u5229\u7387\u901a\u5e38\u7531\u5728\u7ebf\u94f6\u884c\u63d0\u4f9b\u3002\u5982\u679c\u4f60\u6709\u9ad8\u5229\u7387\u503a\u52a1\uff0c\u5e76\u4e14\u7f3a\u4e4f\u7d27\u6025\u50a8\u84c4\uff0c\u62c9\u65af\u5efa\u8bae\u4f60\u53ef\u4ee5\u5c06\u9000\u6b3e\u7684\u4e00\u90e8\u5206\u7528\u4e8e\u507f\u8fd8\u503a\u52a1\uff0c\u53e6\u4e00\u90e8\u5206\u7528\u4e8e\u521b\u5efa\u5e94\u6025\u57fa\u91d1\u3002\u5e03\u6717\u5357\u574e\u7279\u66f4\u503e\u5411\u4e8e\u9996\u5148\u507f\u8fd8\u9ad8\u5229\u7387\u503a\u52a1\uff0c\u4f46\u662f\uff0c\u5982\u679c\u4f60\u7684\u7d27\u6025\u50a8\u84c4\u4e0d\u8db3\uff0c\u5e76\u4e14\u9700\u8981\u8fdb\u884c\u91cd\u5927\u7ef4\u4fee\u4ee5\u786e\u4fdd\u5de5\u4f5c\u2014\u2014\u4f8b\u5982\u6c7d\u8f66\u7ef4\u4fee\u2014\u2014\u4ed6\u5efa\u8bae\u5c06\u8d44\u91d1\u7559\u51fa\u6765\u7528\u4e8e\u6b64\u7c7b\u7ef4\u4fee\uff0c\u5e76\u5c06\u5269\u4f59\u90e8\u5206\u7528\u4e8e\u4fe1\u7528\u5361\u6216\u5176\u4ed6\u9ad8\u5229\u7387\u503a\u52a1\uff0c\u8fd9\u53ef\u80fd\u66f4\u6709\u610f\u4e49\u3002<\/p>\n
3. \u5bf9\u62b5\u62bc\u8d37\u6b3e\u8fdb\u884c\u989d\u5916\u4ed8\u6b3e
\n\u5982\u679c\u4f60\u62e5\u6709\u9ad8\u5229\u7387\u7684\u62b5\u62bc\u8d37\u6b3e\uff08\u4f8b\u59827%\u52308%\uff09\uff0c\u5e76\u4e14\u6ca1\u6709\u4fe1\u7528\u5361\u503a\u52a1\uff0c\u8003\u8651\u8fdb\u884c\u989d\u5916\u652f\u4ed8\u53ef\u80fd\u662f\u660e\u667a\u7684\u9009\u62e9\u3002\u62c9\u65af\u6307\u51fa\uff1a\u201c\u4ece\u957f\u8fdc\u6765\u770b\uff0c\u8fd9\u53ef\u80fd\u5bf9\u4f60\u7684\u672c\u91d1\u6709\u6240\u5e2e\u52a9\u3002\u201d Bronnenkant \u6307\u51fa\uff0c\u4f60\u751a\u81f3\u53ef\u4ee5\u5c06\u5176\u89c6\u4e3a\u989d\u5916\u7684\u50a8\u84c4\u5f62\u5f0f\uff0c\u56e0\u4e3a\u4f60\u53ef\u4ee5\u8282\u7701\u652f\u4ed8\u7684\u672c\u91d1\u90e8\u5206\u7684\u989d\u5916\u5229\u606f\uff0c\u5927\u7ea67%\u5de6\u53f3\u3002<\/p>\n
4. \u6295\u8d44\u4e8eRoth IRA
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5.\u57282024\u5e74\u4e3a\u4f60\u7684401(k)\u8ba1\u5212\u63d0\u4f9b\u8db3\u591f\u7684\u8d44\u91d1\uff0c\u4ee5\u83b7\u5f97\u96c7\u4e3b\u7684\u5168\u989d\u8865\u8d34
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6.\u4e3a\u77ed\u671f\u76ee\u6807\u6295\u8d44
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7.\u73a9\u5f97\u5f00\u5fc3\u70b9
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