{"id":1294,"date":"2017-01-25T23:59:10","date_gmt":"2017-01-26T04:59:10","guid":{"rendered":"http:\/\/www.shutingg.net\/blog\/?p=1294"},"modified":"2017-01-26T09:27:19","modified_gmt":"2017-01-26T14:27:19","slug":"%e7%be%8e%e5%9c%8b%e6%8a%95%e8%b3%87%e7%9a%84%e8%8f%9c%e9%b3%a5%e6%87%b6%e4%ba%ba%e5%b1%8c%e7%b5%b2%e7%8e%a9%e6%b3%95","status":"publish","type":"post","link":"https:\/\/catsg.link\/blog\/2017\/01\/25\/1294\/","title":{"rendered":"\u7f8e\u570b\u6295\u8cc7\u7684\u83dc\u9ce5\/\u61f6\u4eba\/\u5c4c\u7d72\u73a9\u6cd5"},"content":{"rendered":"<p>\u4eca\u5929\u9053\u74ca\u65af\u5de5\u696d\u6307\u6578\u7a81\u7834\u4e8620,000\u9ede\uff0c\u662f120\u5e74\u4f86\u7684\u9ad8\u4f4d\uff0c\u91d1\u878d\u5371\u6a5f\u6642\u671f\u7684\u4e09\u500d\uff0c\u559c\u5927\u666e\u5954\u3002<\/p>\n<p>\u5176\u5be6\u4e0d\u6b62\u662f\u9053\u74ca\u65af\u5728\u904e\u53bb\u4e00\u5e74\u88e1\u6607\u4e8625%+, 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href=\"https:\/\/www.shutingg.net\/blog\/wp-content\/uploads\/2017\/01\/iStock_000033940468_Medium_s.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-1298\" src=\"https:\/\/www.shutingg.net\/blog\/wp-content\/uploads\/2017\/01\/iStock_000033940468_Medium_s-300x202.jpg\" alt=\"\" width=\"300\" height=\"202\" srcset=\"https:\/\/catsg.link\/blog\/wp-content\/uploads\/2017\/01\/iStock_000033940468_Medium_s-300x202.jpg 300w, https:\/\/catsg.link\/blog\/wp-content\/uploads\/2017\/01\/iStock_000033940468_Medium_s.jpg 420w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<h2>\u5c5e\u4e8e\u83dc\u9e1f\u548c\u61f6\u4eba\u7684\u540c\u6b65\u5229\u5668\uff1aETF<\/h2>\n<p>\u7ecf\u6d4e\u5b66\u5bb6\u8ddf\u6211\u4eec\u8bf4\uff0c\u4e0d\u80fd\u628a\u9e21\u86cb\u90fd\u653e\u4e00\u4e2a\u7bee\u5b50\u91cc\u3002\u6240\u8b02\u7684\u751a\u9ebc\u751a\u9ebc\u6307\u6578\u7684\u6607\u8dcc\uff0c\u4e0d\u904e\u5c31\u662f\u9019\u500b\u6307\u6578\u9078\u7684\u4e00\u5806\u500b\u80a1\u8868\u73fe\u7684\u5e73\u5747\u503c\u3002\u6240\u4ee5\uff0c\u5982\u679c\u8981\u964d\u4f4e\u8cb7\u500b\u80a1\u7684\u98a8\u96aa\uff0c\u907f\u514d\u6295\u8cc7\u4e0d\u7576\u8840\u672c\u7121\u6b78\uff0c\u6216\u8005\u5c31\u662f\u6c92\u6709\u6642\u9593\u7814\u7a76\u516c\u53f8\u696d\u7e3e\uff0c\u90a3\u9ebc\u6700\u7c21\u55ae\u7684\u505a\u6cd5\uff0c\u5c31\u662f\u628a\u9019\u500b\u6307\u6578\u88e1\u6240\u6709\u7684\u80a1\u7968\u5168\u90e8\u8cb7\u4e0b\u4f86\u3002\u7576\u7136\u4e86\uff0c\u9019\u7a2e\u73a9\u6cd5\u5c0d\u6b63\u5e38\u4eba\u7c7b\u4f86\u8aaa\u4e0d\u592a\u73fe\u5be6\u3002\u4f46\u4e0d\u8981\u6015\uff0c\u65e9\u6709\u70ba\u4eba\u6c11\u7fa4\u773e\u670d\u52d9\u7684\u597d\u57fa\u91d1\u2014\u2014\u6307\u6578\u57fa\u91d1\uff08index fund\uff09\u2014\u2014\u4f86\u70ba\u6211\u5011\u89e3\u6c7a\u9019\u500b\u554f\u984c\u3002<\/p>\n<p>\u6240\u8b02\u7684\u6307\u6578\u57fa\u91d1\u561b\uff0c\u5c31\u662f\u5c08\u9580\u8cb7\u6307\u6578\u88e1\u5168\u90e8\u80a1\u7968\u7684\u57fa\u91d1\u3002\u9019\u7a2e\u57fa\u91d1\u4e0d\u7528\u50cf\u50b3\u7d71\u7684\u5171\u540c\u57fa\u91d1\uff08mutual fund\uff09\u90a3\u6a23\u52d5\u8166\u5b50\uff0c\u7814\u7a76\u751a\u9ebc\u80a1\u7968\u503c\u9322\u751a\u9ebc\u80a1\u7968\u8981\u62cb\uff0c\u53ea\u9700\u8981\u9589\u8457\u773c\u775b\u6309\u6307\u6578\u8cb7\u5c31\u597d\uff0c\u7ba1\u7406\u8cbb\u7576\u7136\u4fbf\u5b9c\u4e86\u4e00\u5927\u622a\u3002<\/p>\n<p>\u7576\u7136\u4e86\uff0c\u57fa\u91d1\u9019\u7a2e\u6771\u897f\uff0c\u662f\u6709\u6700\u4f4e\u6e96\u5165\u9580\u6abb\u7684\u3002\u8981\u628a\u6307\u6578\u7576\u80a1\u7968\u90a3\u6a23\u8cb7\u8ce3\uff0c\u5c31\u8981\u9760ETF\uff08Exchange-Traded Fund\uff09\u4e86\u3002<\/p>\n<p>\u5982\u679c\u770b\u597d\u7f8e\u570b\u80a1\u5e02\uff0c\u53ef\u4ee5\u8003\u616e\u4e0b\u9762\u7684ETF \uff08\u5217\u7684\u90fd\u662f\u4ea4\u6613\u4ee3\u78bc\uff09\uff1a<\/p>\n<p>\u6a19\u666e500\u6307\u6578\uff1aSPY, IVV, VOO (\u6211\u89ba\u5f97\u90fd\u5dee\u4e0d\u591a\uff0c\u4e09\u8005\u6210\u4ea4\u91cf\u662f\u7531\u9ad8\u5230\u4f4e\uff0c\u8cbb\u7528\u4e5f\u662f\u7531\u9ad8\u5230\u4f4e\uff1ahttp:\/\/www.morningstar.com\/cover\/videocenter.aspx?id=636219)<\/p>\n<p>\u9053\u74ca\u65af\uff1aDIA, DDM, DOD<\/p>\n<p>\u7d0d\u65af\u9054\u514b\uff1aQQQ<\/p>\n<p>\u5982\u679c\u4e0d\u770b\u597d\u7f8e\u570b\u7d93\u6fdf\uff0c\u800c\u770b\u597d\u5225\u7684\u54ea\u570b\u7d93\u6fdf\uff0c\u4f60\u57fa\u672c\u4e0a\u4e5f\u662f\u80fd\u627e\u5230\u90a3\u500b\u570b\u5bb6\u76f8\u61c9\u7684ETF\u7684\u3002\u4f8b\u5982iShares\u5404\u500b\u4e3b\u8981\u570b\u5bb6\u7684ETF\u53ef\u4ee5\u9ede<a href=\"https:\/\/www.ishares.com\/us\/products\/etf-product-list#!type=ishares&amp;tab=overview&amp;view=list&amp;fc=43537|43538|43539|43540|43541|43543|43544|43545|43550|43558|43561|43562|43568|43570|43571|43576|43577|43578|43579|43582|43583|43592|43593|43595|43605|43606|43607|43609|43612|44070|43614|43616|43617|43618|43621|43622|43624|43628|43629|43630|43631\">\u9019\u88e1<\/a>\u770b\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u5982\u679c\u60f3\u5192\u96aa\u4e00\u9ede\uff0c\u53ef\u4ee5\u6295\u5c0f\u516c\u53f8\u677f\u584a\uff0c\u60f3\u7a69\u5065\u9ede\uff0c\u53ef\u4ee5\u6295\u5927\u516c\u53f8\u3002\u9019\u6a23\u7684\u5283\u5206\u4e5f\u65e9\u6709ETF\u5e6b\u6211\u5011\u505a\u4e86\u3002<\/p>\n<p>\u7f8e\u570b\u5927\u516c\u53f8ETF: VTV<\/p>\n<p>\u7f8e\u570b\u4e2d\u578b\u516c\u53f8ETF: VOE<\/p>\n<p>\u7f8e\u570b\u5c0f\u516c\u53f8ETF: VBR<\/p>\n<p>\u5982\u679c\u4e0d\u770b\u597d\u80a1\u5e02\uff0c\u60f3\u4fdd\u5b88\u9ede\uff0c\u6295\u500b\u50b5\u5238\u5462\uff1f\u76f8\u61c9\u7684ETF\u7b49\u8457\u4f60\u3002<\/p>\n<p>\u7f8e\u570b\u9ad8\u8cea\u91cf\u50b5\u5238\uff1aBND<\/p>\n<p>\u7f8e\u570b\u516c\u53f8\u50b5\u5238\uff1aLQD<\/p>\n<p>\u6d77\u5916\u7684\u80a1\u5e02\u548c\u50b5\u5e02\u4e5f\u6709\u76f8\u61c9\u7522\u54c1\u3002<\/p>\n<p>\u5df2\u767c\u5c55\u570b\u5bb6\u5e02\u5834\uff1aVEA<\/p>\n<p>\u65b0\u8208\u5e02\u5834\uff1aVWO<\/p>\n<p>\u570b\u969b\u50b5\u5238\uff1aBNDX<\/p>\n<p>\u65b0\u8208\u5e02\u5834\u50b5\u5238\uff1aEMB<\/p>\n<p>\u6b64\u5916\uff0c\u67d0\u4e9b\u4ea4\u6613\u5e73\u53f0\u548c\u67d0\u4e9bETF\u5408\u4f5c\uff0c\u4ea4\u6613\u514d\u8cbb\u3002\u4f8b\u5982Fidelity\u7684iShares ETF\u5c31\u514d\u4ea4\u6613\u8cbb\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u4e2d\u570b\u7092\u80a1\u6536\u76ca\u6c92\u6709\u7a05\uff0c\u7f8e\u570b\u537b\u662f\u6709\u7684\u3002\u6240\u4ee5\u9019\u88e1\u63d0\u9192\u4e00\u53e5\uff0c\u7f8e\u570b\u77ed\u671f\u6295\u8cc7\uff08\u4e00\u5e74\u4ee5\u4e0b\uff09\u6536\u76ca\u662f\u6309\u6536\u5165\u7a05\uff0c\u9577\u671f\u6295\u8cc7\uff08\u4e00\u5e74\u4ee5\u4e0a\uff09\u7a05\u6536\u5247\u662f15%. \u56e0\u6b64\uff0c\u7121\u8ad6\u5f9e\u7701\u7a05\u7684\u89d2\u5ea6\uff0c\u9084\u662f\u5f9e\u7bc0\u7701\u7cbe\u529b\u548c\u907f\u514d\u5fc3\u81df\u885d\u64ca\u7684\u89d2\u5ea6\uff0c\u6700\u597d\u90fd\u662f\u8cb7\u5b8cETF\u4ee5\u5f8c\u4e00\u5e74\u4e0d\u770b\u3002<\/p>\n<p>\u7576\u7136\u4e86\uff0c\u6211\u5011\u5927\u591a\u6578\u4eba\u5c0d\u5e02\u5834\u524d\u666f\u4e5f\u770b\u4e0d\u5927\u6e96\u3002\u81f3\u5c11\u6211\u5c31\u662f\u4e00\u5e74\u524d\u5df2\u89ba\u5f97\u7f8e\u80a1\u5f88\u9ad8\uff0c\u537b\u60f3\u4e0d\u5230\u5b83\u4f9d\u7136\u72c2\u98c6\u3002\u56e0\u6b64\uff0c\u70ba\u4e86\u5206\u6563\u98a8\u96aa\uff0c\u6700\u597d\u662f\u5404\u500b\u570b\u5bb6\u7684ETF\u90fd\u8cb7\u9ede\uff0c\u50b5\u5238\u7684ETF\u4e5f\u8cb7\u9ede\uff0c\u5177\u9ad4\u6bd4\u4f8b\u6309\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u4f86\u3002\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u9ad8\u5c31\u591a\u8cb7\u80a1\u7968\u985eETF, \u627f\u53d7\u80fd\u529b\u4f4e\u5c31\u591a\u8cb7\u50b5\u5238\u985eETF.<\/p>\n<p>\u5373\u4fbf\u9019\u6a23\uff0c\u91d1\u878d\u5371\u6a5f\u4f86\u4e86\u7576\u7136\u4f9d\u7136\u907f\u514d\u4e0d\u4e86\u5927\u5bb6\u90fd\u8dcc\uff0c\u77ed\u671f\u640d\u5931\u4e26\u4e0d\u662f\u5b8c\u5168\u53ef\u4ee5\u907f\u514d\u3002\u4f46\u5f9e\u9577\u671f\u4f86\u770b\uff0c\u7d93\u6fdf\u662f\u767c\u5c55\u7684\uff0c\u53ea\u8981\u80fd\u6709\u8010\u5fc3\uff0c\u5225\u8667\u4e00\u9ede\u9322\u5c31\u614c\uff0c\u9322\u7e3d\u662f\u6703\u56de\u4f86\uff0c\u4e26\u8d8a\u8cfa\u8d8a\u591a\u7684\u3002<\/p>\n<p>\u7576\u7136\uff0c\u6211\u5011\u7e3d\u662f\u5e0c\u671b\u80fd\u76e1\u91cf\u505a\u5230\u8cb7\u5728\u4f4e\u4f4d\u7684\uff0c\u662f\u5427\uff1f\u9ad8\u4eba\u7d66\u6211\u9019\u61f6\u5f97\u7814\u7a76\u7684\u83dc\u9ce5\u652f\u4e86\u500b\u62db\uff1a\u5b9a\u6295\u3002<\/p>\n<h2>\u4e0d\u61c2\u5e02\u5834\u9031\u671f\u90fd\u53ef\u4ee5\u8cfa\u9322\u7684\u7d55\u62db\uff1a\u5b9a\u6295<\/h2>\n<p>\u5982\u679c\u767e\u5ea6\u5b9a\u6295\u7684\u8a71\uff0c\u51fa\u4f86\u7684\u6587\u7ae0\u90fd\u8b93\u6211\u6688\u982d\u8f49\u5411\uff0c\u96f2\u88e1\u9727\u88e1\u3002\u4e0d\u904e\u6211\u9019\u88e1\u8aaa\u7684\u5b9a\u6295\u5f88\u7c21\u55ae\uff0c\u6211\u81ea\u5df1\u90fd\u61c2\u3002:D<\/p>\n<p>\u6709\u500b\u524d\u63d0\uff0c\u9019\u88e1\u8a0e\u8ad6\u7684\u6295\u8cc7\u662f\u9577\u671f\u6295\u8cc7\uff0c\u800c\u4e14\u6642\u9593\u8d8a\u9577\u8d8a\u6709\u6548\u3002<\/p>\n<p>\u5047\u8a2d\u6211\u5011\u5e73\u975c\u6bcf\u500b\u6708\u80fd\u7bc0\u7701\u4e00\u767e\u584a\u7528\u65bc\u6295\u8cc7\uff0c\u6c92\u6642\u9593\u6c92\u7cbe\u529b\u7814\u7a76\u80a1\u7968\uff0c\u65bc\u662f\u9435\u4e86\u5fc3\u6295\u500b\u6a19\u666e500\u7684ETF\u597d\u4e86\u3002\u90a3\u9ebc\u600e\u9ebc\u6295\u5462\uff1f\u6216\u8005\u8aaa\uff0c\u4ec0\u9ebc\u6642\u5019\u8a72\u8cb7\uff0c\u751a\u9ebc\u6642\u5019\u8a72\u8ce3\uff1f<\/p>\n<p>\u4f4e\u8cb7\u9ad8\u8ce3\u5927\u5bb6\u90fd\u61c2\u3002\u4f46\u662f\u4ec0\u9ebc\u6642\u5019\u662f\u9ad8\uff0c\u4ec0\u9ebc\u6642\u5019\u662f\u4f4e\uff0c\u80fd\u767e\u5206\u767e\u770b\u6e96\u7684\u8a71\uff0c\u53ef\u4ee5\u505a\u4e0b\u4e00\u500b\u5df4\u83f2\u7279\u4e86\u3002<\/p>\n<p>\u65bc\u662f\u5b9a\u6295\u7d55\u62db\u51fa\u5834\u4e86\uff0c\u4e0d\u9700\u8981\u8166\u529b\uff0c\u4e0d\u9700\u8981\u667a\u5546\uff0c\u53ea\u9700\u8981\u6309\u6642\u6309\u898f\u5247\u64cd\u4f5c\u3002<\/p>\n<p>\u9019\u62db\u5c31\u662f\uff0c\u4e0d\u770b\u5e02\u5834\uff0c\u6bcf\u6708\u5b9a\u671f\u5b9a\u984d\u76f4\u63a5\u8cb7\u4e86\uff01<\/p>\n<p>\u70ba\u4ec0\u9ebc\u53ef\u4ee5\u9019\u6a23\u73a9\uff1f\u6211\u5011\u4f86\u5047\u8a2d\u4e00\u4e0b\uff0c\u5047\u5982\u73fe\u5728\u6a19\u666e500\u5728\u9ad8\u4f4d\uff0c\u50f9\u683c\u662f\u4e94\u5341\u584a\uff0c\u4e00\u767e\u584a\u5c31\u80fd\u8cb72\u80a1\u3002\u7136\u5f8c\u6a19\u666e500\u8dcc\u4e86\uff0c\u50f9\u683c\u8b8a\u6210\u5169\u5341\u584a\uff0c\u6211\u5011\u540c\u6a23\u7684\u4e00\u767e\u584a\u8cb7\u4e865\u80a1\u3002\u90a3\u9ebc\u90197\u80a1\u7684\u5e73\u5747\u50f9\u5c31\u662f200\/7=28.6\u584a\uff0c\u66f4\u63a5\u8fd120\u584a\u800c\u4e0d\u662f50\u584a\u662f\u4e0d\u662f\uff1f<\/p>\n<p>\u4ee5\u540c\u6a23\u91d1\u984d\u5c0d\u540c\u4e00\u500b\u80a1\u7968\u4e0d\u65b7\u8cb7\u7684\u597d\u8655\u5c31\u662f\uff0c\u9ad8\u4f4d\u6642\u80fd\u8cb7\u7684\u80a1\u6578\u5c11\uff0c\u4f4e\u4f4d\u6642\u80fd\u8cb7\u7684\u80a1\u6578\u591a\u3002\u65bc\u662f\u5e73\u5747\u50f9\u5c31\u4e0b\u4f86\u4e86\u3002\u9019\u6a23\uff0c\u5373\u4fbf\u5e02\u5834\u53ea\u662f\u9031\u671f\u6ce2\u52d5\u800c\u4e0d\u662f\u7e3d\u9ad4\u4e0a\u5347\uff0c\u6700\u5f8c\u8ce3\u51fa\u6642\u80fd\u8cfa\u9322\u7684\u6982\u7387\u4e5f\u633a\u5927\u7684\uff0c\u662f\u4e0d\u662f\uff1f\u66f4\u4f55\u6cc1\u5982\u679c\u56de\u9867\u904e\u5f80\u5e7e\u5341\u5e74\u7684\u80a1\u5e02\uff0c\u5c31\u6703\u767c\u73fe\u7e3d\u9ad4\u8da8\u52e2\u662f\u5411\u4e0a\u7684\uff0c\u6240\u4ee5\u6700\u7d42\u5927\u8cfa\u4e00\u7b46\u5f88\u6709\u5e0c\u671b\u554a\uff01<\/p>\n<p>\u7576\u7136\u4e86\uff0c\u9019\u88e1\u6709\u4e00\u500b\u554f\u984c\uff1a\u624b\u7e8c\u8cbb\u3002\u4e00\u822c\u8cb7\u8ce3\u4ea4\u6613\u5e73\u53f0\u90fd\u6703\u6536\u624b\u7e8c\u8cbb\u7684\uff0c\u9019\u9ebc\u983b\u7e41\u5c11\u91cf\u7684\u64cd\u4f5c\u771f\u7684\u8667\u6b7b\u4e86\u3002\u56e0\u6b64\u627e\u500b\u514d\u624b\u7e8c\u8cbb\u7684\u5e73\u53f0\u5f88\u91cd\u8981\u3002\u4f8b\u5982\u524d\u9762\u63d0\u5230\u7684Fidelity\u8cb7\u8ce3iShares\u7684ETF\u514d\u624b\u7e8c\u8cbb\u5728\u9019\u88e1\u5c31\u5f88\u5212\u7b97\u4e86\u3002\u6709\u4e9b\u5225\u7684\u4ea4\u6613\u5e73\u53f0\u4e5f\u6709\u76f8\u4f3c\u512a\u60e0\uff0c\u958b\u6236\u6642\u770b\u6e05\u695a\u4e86\u3002<\/p>\n<p>\u81f3\u65bc\u8aaa100\u584a\u8cb7\u4e0d\u4e86\u4e00\u80a1\u7684SP 500 ETF\uff08\u5169\u767e\u591a\u584a\u5462\uff09, \u90a3\u9ebc\u628a\u6295\u8cc7\u984d\u6216\u6295\u8cc7\u983b\u7387\u964d\u4f4e\u5c31\u597d\u3002\u4f8b\u5982\u4e00\u5b63\u5ea6\u4e00\u80a1\u3002<\/p>\n<p>\u8aaa\u5230\u9019\u88e1\uff0c\u61f6\u4eba\u8981\u6297\u8b70\u4e86\uff0c\u4e00\u500b\u5b63\u5ea6\u8cb7\u4e00\u6b21\uff0c\u592a\u9ebb\u7169\u4e86\u5427\uff01\u5982\u679c\u518d\u52a0\u4e0a\u8003\u616e\u5206\u6563\u98a8\u96aa\uff0c\u5404\u7a2eETF\u90fd\u60f3\u8cb7\u9ede\uff0c\u90a3\u5c31\u66f4\u9ebb\u7169\u4e86\u3002\u9322\u4e5f\u4e0d\u5920\uff0c\u53c8\u4e0d\u80fd\u8cb7\u534a\u80a1\u3002<\/p>\n<p>\u4e0d\u6015\u4e0d\u6015\uff0c\u7d42\u6975\u7d55\u62db\u6211\u7576\u7136\u662f\u7559\u5230\u6700\u5f8c\u3002<\/p>\n<h2>\u6700\u6700\u61f6\u4eba\u7684\u7d42\u6975\u6295\u8cc7\u5229\u5668\uff1a\u6a5f\u5668\u4eba\u81ea\u52d5\u6295\u8cc7\u5e73\u53f0<\/h2>\n<p>\u5728IT\u5982\u6b64\u767c\u9054\u7684\u4eca\u5929\uff0c\u6295\u8cc7\u9084\u9700\u8981\u81ea\u5df1\u505a\u55ce\uff1f\u9ebb\u7169\u7684\u4e8b\u7576\u7136\u662f\u8b93\u6a5f\u5668\u4eba\u89e3\u6c7a\u4e86\u3002<\/p>\n<p>\u76f8\u5c0d\u65bc\u50b3\u7d71\u7684\u7406\u8ca1\u7522\u54c1\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u6700\u5927\u512a\u9ede\u5c31\u662f\u4fbf\u5b9c (\u5e74\u8cbb0.15%-0.35%)\u3002\u7576\u7136\u9ad8\u79d1\u6280\u4e5f\u8b93\u4eba\u7528\u5f97\u8212\u5fc3\u3002<\/p>\n<p>\u7f8e\u570b\u5e7e\u500b\u6bd4\u8f03\u53d7\u6b61\u8fce\u7684\u6a5f\u5668\u4eba\u5e73\u53f0\u662f\uff1a<a href=\"http:\/\/betterment.com\/invite\/shutingguan\">Betterment<\/a>, <a href=\"http:\/\/wealthfront.com\">Wealthfront<\/a>, \u548c <a href=\"https:\/\/www.acorns.com\">Acorns<\/a>.<\/p>\n<p>\u9019\u4e9b\u6a5f\u5668\u4eba\u5e73\u53f0\u73a9\u7684\u90fd\u662f\u6211\u524d\u6587\u4ecb\u7d39\u7684\u7701\u6642\u7701\u529b\u7701\u9322\u7684ETF.<\/p>\n<p>\u7576\u7136\uff0c\u6709\u6642\u9593\u7684\u8a71\uff0c\u4e5f\u53ef\u4ee5\u6a21\u4eff\u6a5f\u5668\u4eba\u4f86\u81ea\u5df1\u8cb7ETF. \u5982\u679c\u6709\u4e00\u5927\u7b46\u9322\uff0c\u6a21\u4eff\u6a5f\u5668\u4eba\u7684\u8a2d\u7f6e\u6bd4\u4f8b\u4f86\u8cb7ETF\uff0c\u4e0d\u983b\u7e41\u4ea4\u6613\uff0c\u90a3\u9ebc\u771f\u53ef\u4ee5\u81ea\u5df1\u505a\uff0c\u7701\u6389\u4e00\u7b46\u7ba1\u7406\u8cbb\u3002\u4f46\u9019\u6a23\u5c31\u6c92\u8fa6\u6cd5\u73a9\u5b9a\u6295\u4e86\uff0c\u7562\u7adf\u4ea4\u6613\u8cbb\u7528\u8cb4\u3002\u800c\u5373\u4fbf\u4ea4\u6613\u5e73\u53f0\u662f\u514d\u624b\u7e8c\u8cbb\u7684\uff0c\u6bcf\u500b\u6708\u8cb7\u4e00\u6b21\u4e5f\u6709\u9ede\u7169\u3002\u66f4\u4f55\u6cc1\uff0c\u90a3\u53ef\u6190\u7684\u4e00\u9ede\u9322\uff0c\u53ea\u80fd\u8cb7\u500b\u96f6\u9ede\u5e7e\u80a1ETF, \u800cETF\u4e0d\u6563\u8ce3\u3002<\/p>\n<p>\u6240\u4ee5\uff0c\u6a5f\u5668\u4eba\u4ea4\u6613\u5e73\u53f0\u80fd\u5e36\u4f86\u7684\u597d\u8655\u4e3b\u8981\u5c31\u662f\uff1a\u7bc0\u7701\u4ea4\u6613\u8cbb\u7528\uff0c\u81ea\u52d5\u8cb7\u8ce3\u4e0d\u64cd\u5fc3\uff0c\u9322\u5c11\u53ef\u4ee5\u8cb7\u534a\u80a1\u3002<\/p>\n<p>\u4e0d\u904e\u9019\u88e1\u6ce8\u610f\u4e86\uff0cWealthfront\u662f\u4e0d\u80fd\u8cb7\u534a\u80a1\u7684\uff0c\u53ea\u80fd\u4e00\u80a1\u4e00\u80a1\u8cb7\u3002\u9019\u6a23\u5c31\u5c0e\u81f4\u90a3\u534a\u80a1\u7684\u9322\u5728\u90a3\u88e1\u9592\u7f6e\u4e86\u3002\u800c\u4e14\u6309\u6bd4\u4f8b\u5206\u914d\u5404\u985eETF\u4e5f\u53ef\u80fd\u6703\u6709\u56f0\u96e3\u3002\u4f8b\u5982\u672c\u4f86\u6309\u98a8\u96aa\u914d\u7f6e\u61c9\u8a72\u8cb7\u500b10%\u7684\u50b5\u5238\u7684\uff0c\u7d50\u679c10%\u53ea\u670950\u584a\u751a\u9ebc\u90fd\u8cb7\u4e0d\u8d77\u3002\u9019\u5927\u6982\u4e5f\u662f\u70ba\u4ec0\u9ebc\u5b83\u5bb6\u6700\u5c11\u8981500\u624d\u7d66\u958b\u6236\u4e86\u3002\u9322\u5c11\u4e86\u771f\u7684\u751a\u9ebc\u90fd\u8cb7\u4e0d\u4e86\u554a\u3002<\/p>\n<p>Acorns\u662f\u505a\u96f6\u9322\u6295\u8cc7\u7684\uff0c\u4f8b\u5982\u4f60\u7528$2.5\u8cb7\u4e86\u676f\u5496\u5561\u3002\u5b83\u628a\u4f60\u7684\u82b1\u92b7\u8b8a\u6210\u4e09\u584a\uff0c\u5176\u4e2d\u4e94\u6bdb\u54ea\u4f86\u505a\u6295\u8cc7\u3002\u9019\u8fa6\u6cd5\u5f88\u9069\u5408\u5f88\u60f3\u52aa\u529b\u5b58\u9ede\u9322\u7684\u5c4c\u7d72\u5011\u3002\u53e6\u5916Acorns\u5c0d\u5b78\u751f\u514d\u8cbb\u3002\u4f46\u5b83\u4e00\u500b\u554f\u984c\u662f\u6c92\u6709Tax Loss Harvesting (\u7a05\u6536\u640d\u5931\u6536\u5272\uff1f)\uff0c\u610f\u601d\u662f\u5982\u679c\u8cb7\u7684\u6771\u897f\u8667\u9322\u4e86\u7684\u8a71\uff0c\u8d95\u5feb\u8ce3\u6389\uff0c\u8cb7\u500b\u540c\u985e\u7684\u3002\u9019\u6a23\uff0c\u8667\u6389\u7684\u9322\u53ef\u4ee5\u62b5\u6d88\u8cfa\u5230\u7684\uff0c\u7136\u5f8c\u518d\u7b97\u7a05\u3002<\/p>\n<p>Betterment \u548c Wealthfront \u627f\u8afe\u7684Tax Loss 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