37\u5c81\u7684\u57c3\u91cc\u514b\u00b7\u4f69\u6069\uff08Eric Payne\uff09\u662f\u4e24\u4e2a\u7537\u5b69\u7684\u5355\u8eab\u7236\u4eb2\uff0c\u4ed6\u6bcf\u5468\u90fd\u5728\u52aa\u529b\u5de5\u4f5c\u4ee5\u589e\u52a0\u6536\u5165\u3002\u4ed6\u628a\u8fd9\u4e2a\u4efb\u52a1\u79f0\u4e3a\u201c\u70b9\u51fb\u201d\u3002\u4ed6\u7684\u85aa\u6c34\u4e0d\u9519\uff0c\u5927\u7ea6\u57288\u4e07\u7f8e\u5143\u5de6\u53f3\uff0c\u4f46\u5f53\u6240\u6709\u7684\u57fa\u672c\u5f00\u652f\u90fd\u652f\u4ed8\u5b8c\u540e\uff0c\u5269\u4e0b\u7684\u94b1\u5c31\u4e0d\u591a\u4e86\u3002\u4f69\u6069\u662f\u7f05\u56e0\u5dde\u6ce2\u7279\u5170\u5e02\u9644\u8fd1\u4e00\u5bb6\u6d77\u9c9c\u6279\u53d1\u5546\u7684\u8d28\u91cf\u4fdd\u8bc1\u4e3b\u7ba1\u3002\u4ed6\u89e3\u91ca\u8bf4\uff1a\u201c\u70b9\u51fb\u662f\u4e3a\u4e86\u65e5\u5e38\u751f\u6d3b\u7684\u5f00\u9500\u3002\u6742\u8d27\u3001\u8f66\u8d37\u3001\u623f\u8d37\u3001\u5b69\u5b50\u7684\u8863\u670d\u3001\u6258\u513f\u8d39\uff0c\u6216\u8005\u60f3\u529e\u6cd5\u652f\u4ed8\u610f\u5916\u8d26\u5355\u3002\u6211\u7684\u8d22\u52a1\u91cd\u70b9\u5fc5\u987b\u653e\u5728\u73b0\u5728\uff0c\u56e0\u4e3a\u6bcf\u4e00\u7f8e\u5143\u90fd\u5f88\u91cd\u8981\uff0c\u4f46\u6211\u4e5f\u5b8c\u5168\u610f\u8bc6\u5230\uff0c\u6211\u6b63\u5728\u4e3a\u5c06\u6765\u5236\u9020\u53e6\u4e00\u4e2a\u95ee\u9898\u3002\u201d<\/p>\n
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\u9000\u4f11\u50a8\u84c4\u7684\u60ac\u5d16
\n\u6839\u636e\u7f8e\u56fd\u52b3\u5de5\u7edf\u8ba1\u5c40\uff08Bureau of Labor Statistics\uff09\u7684\u6570\u636e\u663e\u793a\uff0c\u672a\u676510\u5e74\uff0c\u7f8e\u56fd\u52b3\u52a8\u529b\u5e02\u573a\u4e0a75\u5c81\u4ee5\u4e0a\u7684\u5de5\u4eba\u6570\u91cf\u9884\u8ba1\u5c06\u589e\u52a0\u8fd1\u4e00\u500d\uff0c\u8fd9\u5c06\u5f15\u53d1\u4e00\u573a\u8feb\u5728\u7709\u776b\u7684\u9000\u4f11\u5371\u673a\u3002\u957f\u671f\u4ee5\u6765\uff0c\u7f8e\u56fd\u7684\u9000\u4f11\u50a8\u84c4\u88ab\u8ba4\u4e3a\u662f\u4e00\u4e2a\u4e09\u6761\u817f\u7684\u51f3\u5b50\uff0c\u5373\u6709\u517b\u8001\u91d1\u8ba1\u5212\u3001\u793e\u4f1a\u4fdd\u969c\u798f\u5229\u548c401(k)\u7b49\u56fa\u5b9a\u7f34\u6b3e\u8ba1\u5212\u3002\u4f46\u73b0\u5728\u60c5\u51b5\u5df2\u7ecf\u6539\u53d8\u4e86\u3002<\/p>\n
\u517b\u8001\u91d1\u8ba1\u5212\u51e0\u4e4e\u5df2\u7ecf\u6d88\u5931\u4e86\u3002\u572820\u4e16\u7eaa80\u5e74\u4ee3\u4e2d\u671f\uff0c\u5927\u7ea6\u4e00\u534a\u7684\u79c1\u8425\u90e8\u95e8\u5458\u5de5\u62e5\u6709\u6240\u8c13\u7684\u56fa\u5b9a\u517b\u8001\u91d1\u8ba1\u5212\uff0c\u4f46\u52302022\u5e74\uff0c\u53ea\u670915%\u7684\u79c1\u8425\u90e8\u95e8\u5458\u5de5\u8fd8\u4eab\u6709\u8fd9\u79cd\u8ba1\u5212\u3002\u793e\u4f1a\u4fdd\u969c\u5c40\uff08Social Security Agency\uff09\u7684\u8c03\u67e5\u663e\u793a\uff0c\u8d85\u8fc7\u56db\u5206\u4e4b\u4e00\u7684\u8001\u5e74\u4eba\u7684\u6536\u5165\u4e2d\uff0c\u7ea690%\u6765\u81ea\u793e\u4f1a\u4fdd\u969c\u91d1\u3002\u4f46\u662f\uff0c\u793e\u4f1a\u4fdd\u969c\u4fe1\u6258\u57fa\u91d1\u6b63\u9762\u4e3475\u5e74\u7684\u8d64\u5b57\uff0c\u5982\u679c\u4e0d\u8fdb\u884c\u5e72\u9884\uff0c\u5b83\u5c06\u5728\u672c\u4e16\u7eaa30\u5e74\u4ee3\u4e2d\u671f\u8017\u5c3d\uff0c\u8fd9\u610f\u5473\u7740\u53ea\u6709\u4e00\u90e8\u5206\u9000\u4f11\u4eba\u5458\u7684\u9884\u671f\u798f\u5229\u5c06\u5f97\u5230\u652f\u4ed8\u3002\u7acb\u6cd5\u8005\u5728\u5982\u4f55\u89e3\u51b3\u8fd9\u4e2a\u95ee\u9898\u4e0a\u9762\u4e34\u4e86\u957f\u8fbe\u6570\u5341\u5e74\u7684\u653f\u6cbb\u50f5\u5c40\u3002<\/p>\n
\u5269\u4e0b\u7684\u662f401(k)\u8ba1\u5212\uff0c68%\u7684\u79c1\u8425\u4f01\u4e1a\u5458\u5de5\u53ef\u4ee5\u53c2\u52a0\uff0c\u4f46\u53ea\u670950%\u7684\u4eba\u4f7f\u7528\u3002\u4e0a\u5468\uff0c\u8d1d\u83b1\u5fb7\u516c\u53f8\uff08BlackRock\uff09\u9996\u5e2d\u6267\u884c\u5b98\u62c9\u91cc\u00b7\u82ac\u514b\uff08Larry Fink\uff09\u5728\u4ed6\u7684\u5e74\u5ea6\u6295\u8d44\u8005\u4fe1\u4e2d\u8b66\u544a\u8bf4\uff0c\u9664\u975e\u4f01\u4e1a\u9886\u5bfc\u4eba\u548c\u653f\u754c\u4eba\u58eb\u91c7\u53d6\u201c\u6709\u7ec4\u7ec7\u7684\u3001\u9ad8\u5c42\u7684\u52aa\u529b\u201d\u6765\u91cd\u65b0\u601d\u8003\u7f8e\u56fd\u7684\u9000\u4f11\u95ee\u9898\uff0c\u5426\u5219\u4ed6\u4eec\u53ef\u80fd\u4f1a\u8ba9\u5e74\u8f7b\u4e00\u4ee3\u758f\u8fdc\u8d44\u672c\u4e3b\u4e49\u548c\u653f\u6cbb\u3002\u4ed6\u5199\u9053\uff1a\u201c\u5e74\u8f7b\u4e00\u4ee3\uff0c\u5373\u5343\u79a7\u4e00\u4ee3\u548cZ\u4e00\u4ee3\uff0c\u5982\u6b64\u7ecf\u6d4e\u7126\u8651\u5e76\u4e0d\u5947\u602a\u3002\u201d\u201c\u4ed6\u4eec\u8ba4\u4e3a\u6211\u7684\u4e00\u4ee3\u2014\u2014\u5a74\u513f\u6f6e\u4e00\u4ee3\u2014\u2014\u4e13\u6ce8\u4e8e\u81ea\u5df1\u7684\u8d22\u52a1\u798f\u7949\uff0c\u800c\u8fd9\u662f\u5bf9\u63a5\u4e0b\u6765\u7684\u4eba\u7684\u4f24\u5bb3\u3002\u5728\u9000\u4f11\u95ee\u9898\u4e0a\uff0c\u4ed6\u4eec\u662f\u5bf9\u7684\u3002\u201d\u82ac\u514b\u5efa\u8bae\u5c06\u9884\u671f\u9000\u4f11\u5e74\u9f84\u63a8\u8fdf\u523065\u5c81\u4ee5\u540e\uff0c\u5e76\u8868\u793a\u66f4\u591a\u7684\u6295\u8d44\u673a\u4f1a\u548c401(k)\u8ba1\u5212\u53ef\u4ee5\u5e2e\u52a9\u89e3\u51b3\u8fd9\u4e2a\u95ee\u9898\u3002\u8fd9\u4e5f\u5c06\u5bf9\u82ac\u514b\u6709\u5229\uff0c\u56e0\u4e3a\u8d1d\u83b1\u5fb7\u7ba1\u7406\u768410\u4e07\u4ebf\u7f8e\u5143\u8d44\u4ea7\u4e2d\uff0c\u6709\u4e00\u534a\u4ee5\u4e0a\u662f\u51c6\u5907\u9000\u4f11\u7684\u3002<\/p>\n
401(k)\u4f5c\u4e3a\u5e94\u6025\u8d44\u91d1
\n\u7136\u800c\uff0cBankrate\u7684\u6570\u636e\u663e\u793a\uff0c\u5bf9\u4e8e\u8bb8\u591a\u7f8e\u56fd\u4eba\u6765\u8bf4\uff0c\u4e3a\u9000\u4f11\u50a8\u84c4\u662f\u4e00\u4e2a\u9065\u8fdc\u7684\u60f3\u6cd5\u2014\u2014\u53ea\u670944%\u7684\u7f8e\u56fd\u6210\u5e74\u4eba\u6709\u80fd\u529b\u4ece\u4ed6\u4eec\u7684\u50a8\u84c4\u4e2d\u652f\u4ed81000\u7f8e\u5143\u6216\u66f4\u591a\u7684\u7d27\u6025\u8d39\u7528\u3002\u9ad8\u901a\u8d27\u81a8\u80c0\u7387\uff0c\u5b66\u751f\u8d37\u6b3e\u7684\u6062\u590d\u4ee5\u53ca\u6d41\u884c\u75c5\u65f6\u671f\u50a8\u84c4\u7684\u4fb5\u8680\u610f\u5473\u7740\u66f4\u591a\u7684\u7f8e\u56fd\u4eba\u53d1\u73b0\u81ea\u5df1\u5904\u4e8e\u8d44\u91d1\u635f\u5931\u72b6\u6001\u3002\u5148\u950b\u96c6\u56e2\uff08Vanguard\uff09\u6700\u8fd1\u7684\u4e00\u9879\u8c03\u67e5\u663e\u793a\uff0c\u7531\u4e8e\u8d22\u52a1\u56f0\u5883\uff0c\u8bb8\u591a\u4eba\u8fc7\u65e9\u5730\u52a8\u7528\u4e86401(k)\u8d26\u6237\uff0c\u5e76\u4e3a\u6b64\u652f\u4ed8\u4e86\u9ad8\u989d\u7f5a\u91d1\u3002\u6770\u7c73\u662f\u4e00\u540d54\u5c81\u7684\u5355\u8eab\u6bcd\u4eb2\uff0c\u5728\u5fb7\u514b\u8428\u65af\u5dde\u4e2d\u90e8\u62c5\u4efb\u6cd5\u5f8b\u884c\u653f\u52a9\u7406\u3002\u5979\u4e0d\u5f97\u4e0d\u4f9d\u8d56\u5979\u7684401(k)\u9000\u4f11\u50a8\u84c4\u6765\u517b\u6d3b\u5979\u548c\u5979\u7684\u513f\u5b50\u3002\u7b2c\u4e00\u6b21\u662f\u5728\u751f\u4e0b\u513f\u5b50\u540e\u4e0d\u4e45\u2014\u2014\u6770\u7c73\u5f53\u65f6\u5de5\u4f5c\u7684\u5de5\u4f5c\u6ca1\u6709\u4ea7\u5047\u653f\u7b56\u3002\u5728\u5979\u4ece\u533b\u9662\u56de\u5bb6\u7684\u90a3\u5929\uff0c\u5979\u6536\u5230\u4e86\u96c7\u4e3b\u7684\u4e00\u5c01\u4fe1\uff0c\u901a\u77e5\u5979\u5728\u5979\u9884\u671f\u7684\u4f11\u5047\u671f\u95f4\uff0c\u4ed6\u4eec\u4e0d\u4f1a\u4e3a\u5979\u4fdd\u7559\u804c\u4f4d\u3002\u51e0\u5e74\u540e\uff0c\u5f53\u5979\u5931\u4e1a\u65f6\uff0c\u5979\u53c8\u7528\u4e86\u8fd9\u7b14\u94b1\u3002\u5979\u9700\u8981\u8fd9\u7b14\u94b1\u6765\u652f\u4ed8\u5f00\u652f\u3001\u642c\u5bb6\u548c\u507f\u8fd8\u4fe1\u7528\u5361\u503a\u52a1\u3002\u73b0\u5728\u5979\u4ecd\u7136\u662f\u9760\u53d1\u85aa\u65e5\u5ea6\u65e5\uff0c\u5979\u7684401(k)\u8d26\u6237\u8fd8\u5269\u4e0b\u5927\u7ea615000\u7f8e\u5143\u3002<\/p>\n
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\n\u968f\u7740\u7f8e\u56fd\u4eba\u5728\u4eca\u5e7411\u6708\u524d\u5f80\u6295\u7968\u7ad9\uff0c\u9000\u4f11\u5371\u673a\u6210\u4e3a\u4ed6\u4eec\u5173\u6ce8\u7684\u7126\u70b9\u3002\u4e0a\u4e2a\u6708\uff0c\u524d\u603b\u7edf\u5510\u7eb3\u5fb7\u00b7\u7279\u6717\u666e\u8868\u793a\uff0c\u4ed6\u652f\u6301\u524a\u51cf\u793e\u4f1a\u4fdd\u969c\u548c\u533b\u7597\u4fdd\u9669\u3002\u7279\u6717\u666e\u8bf4\uff1a\u201c\u5728\u798f\u5229\u3001\u524a\u51cf\u3001\u76d7\u7a83\u548c\u7ba1\u7406\u4e0d\u5584\u65b9\u9762\uff0c\u4f60\u53ef\u4ee5\u91c7\u53d6\u5f88\u591a\u63aa\u65bd\u3002\u201d\u603b\u7edf\u4e54\u00b7\u62dc\u767b\u5728\u63a5\u53d7\u91c7\u8bbf\u65f6\u5bf9\u7279\u6717\u666e\u7684\u8a00\u8bba\u4f5c\u51fa\u56de\u5e94\uff1a\u201c\u5728\u6211\u7684\u4efb\u671f\u5185\uff0c\u4e0d\u4f1a\u53d1\u751f\u8fd9\u79cd\u60c5\u51b5\u3002\u201d\u7279\u6717\u666e\u7684\u7ade\u9009\u56e2\u961f\u53d1\u8a00\u4eba\u5361\u7f57\u7433\u00b7\u5229\u7ef4\u7279\uff08Karoline Leavitt\uff09\u540e\u6765\u544a\u8bc9CNN\uff0c\u7279\u6717\u666e\u201c\u663e\u7136\u662f\u5728\u8c08\u8bba\u524a\u51cf\u6d6a\u8d39\uff0c\u800c\u4e0d\u662f\u798f\u5229\u201d\u3002<\/p>\n
2022\u5e7412\u6708\uff0c\u62dc\u767b\u653f\u5e9c\u5c06SECURE 2.0\u7b7e\u7f72\u4e3a\u6cd5\u5f8b\uff0c\u9f13\u52b1\u96c7\u4e3b\u4e3a\u5458\u5de5\u63d0\u4f9b\u9000\u4f11\u8ba1\u5212\u798f\u5229\uff0c\u5e76\u6d88\u9664\u4e86\u4e00\u4e9b\u50a8\u84c4\u969c\u788d\u3002\u53bb\u5e74\u5e74\u5e95\uff0c\u653f\u5e9c\u63d0\u51fa\u4e86\u4e00\u9879\u9650\u5236\u9000\u4f11\u6295\u8d44\u4e2d\u7684\u5783\u573e\u8d39\u7684\u89c4\u5219\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u4f5b\u8499\u7279\u5dde\u72ec\u7acb\u53c2\u8bae\u5458\u4f2f\u5c3c\u00b7\u6851\u5fb7\u65af\uff08Bernie Sanders\uff09\u4e0a\u4e2a\u6708\u5728\u4e3b\u6301\u4e00\u573a\u5173\u4e8e\u9000\u4f11\u72b6\u51b5\u7684\u542c\u8bc1\u4f1a\u65f6\u6572\u54cd\u4e86\u9000\u4f11\u8b66\u949f\u3002\u6851\u5fb7\u65af\u6307\u51fa\uff0c\u5927\u7ea6\u56db\u5206\u4e4b\u4e00\u7684\u8001\u5e74\u4eba\u6bcf\u5e74\u7684\u751f\u6d3b\u8d39\u4e0d\u523015000\u7f8e\u5143\u3002\u8fd9\u4f4d\u524d\u603b\u7edf\u5019\u9009\u4eba\u8ba4\u4e3a\uff0c\u516c\u53f8\u5e94\u8be5\u91cd\u65b0\u5f15\u5165\u517b\u8001\u91d1\u8ba1\u5212\u2014\u2014\u8fd9\u4e0e\u82ac\u514b\u5728\u4fe1\u4e2d\u5021\u5bfc\u7684\u6295\u8d44\u8ba1\u5212\u6709\u7740\u660e\u663e\u7684\u4e0d\u540c\u3002<\/p>\n
\uff08\u56fe\u7247\u6e90\u4e8eCNN\uff09<\/p>\n
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