{"id":189,"date":"2025-07-25T19:58:59","date_gmt":"2025-07-25T19:58:59","guid":{"rendered":"https:\/\/techsmoney.com\/?p=189"},"modified":"2025-07-25T19:58:59","modified_gmt":"2025-07-25T19:58:59","slug":"how-to-save-for-retirement-as-a-beginner","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/zh\/how-to-save-for-retirement-as-a-beginner\/","title":{"rendered":"\u4f5c\u70ba\u65b0\u624b\u5982\u4f55\u70ba\u9000\u4f11\u5132\u84c4"},"content":{"rendered":"<p>\u70ba\u9000\u4f11\u5132\u84c4\u662f\u60a8\u53ef\u4ee5\u8a2d\u5b9a\u7684\u6700\u91cd\u8981\u7684\u8ca1\u52d9\u76ee\u6a19\u4e4b\u4e00\u3002\u7136\u800c\uff0c\u9019\u4f3c\u4e4e\u662f\u4e00\u9805\u8271\u9245\u7684\u4efb\u52d9\uff0c\u5c24\u5176\u662f\u5728\u60a8\u525b\u8d77\u6b65\u7684\u6642\u5019\u3002\u60a8\u8d8a\u65e9\u958b\u59cb\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u60a8\u7684\u8cc7\u91d1\u5c31\u6709\u8d8a\u591a\u7684\u6642\u9593\u6210\u9577\uff0c\u5be6\u73fe\u76ee\u6a19\u6240\u9700\u7684\u6bcf\u6708\u5132\u84c4\u91d1\u984d\u5c31\u8d8a\u5c11\u3002\u5982\u679c\u60a8\u662f\u65b0\u624b\uff0c\u9019\u88e1\u6709\u4e00\u4efd\u9010\u6b65\u6307\u5357\uff0c\u53ef\u4ee5\u5e6b\u52a9\u60a8\u958b\u555f\u9000\u4f11\u5132\u84c4\u4e4b\u65c5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u4e86\u89e3\u9000\u4f11\u5132\u84c4\u7684\u91cd\u8981\u6027<\/h2>\n\n\n\n<p>\u5728\u6df1\u5165\u63a2\u8a0e\u5982\u4f55\u70ba\u9000\u4f11\u5132\u84c4\u7684\u5177\u9ad4\u7d30\u7bc0\u4e4b\u524d\uff0c\u8acb\u52d9\u5fc5\u5148\u4e86\u89e3\u5b83\u7684\u91cd\u8981\u6027\u3002\u8d8a\u65e9\u958b\u59cb\u5132\u84c4\uff0c\u5c31\u8d8a\u80fd\u5145\u5206\u5229\u7528\u8907\u5229\uff0c\u8b93\u60a8\u7684\u5132\u84c4\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\u5448\u6307\u6578\u7d1a\u589e\u9577\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u9000\u4f11\u5132\u84c4\u81f3\u95dc\u91cd\u8981\u7684\u4e00\u4e9b\u539f\u56e0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9000\u4f11\u5f8c\u5be6\u73fe\u8ca1\u52d9\u7368\u7acb<\/strong>\uff1a\u9000\u4f11\u5132\u84c4\u53ef\u78ba\u4fdd\u60a8\u5728\u665a\u5e74\u4e0d\u518d\u4f9d\u8cf4\u793e\u6703\u5b89\u5168\u6216\u5bb6\u4eba\u7684\u652f\u6301\u3002<\/li>\n\n\n\n<li><strong>\u91ab\u7642\u6210\u672c\u4e0a\u6f32<\/strong>\uff1a\u91ab\u7642\u8cbb\u7528\u5f80\u5f80\u6703\u96a8\u8457\u5e74\u9f61\u7684\u589e\u9577\u800c\u589e\u52a0\u3002\u9000\u4f11\u5132\u84c4\u53ef\u78ba\u4fdd\u60a8\u5728\u665a\u5e74\u64c1\u6709\u6240\u9700\u7684\u91ab\u7642\u4fdd\u5065\u8cc7\u91d1\u3002<\/li>\n\n\n\n<li><strong>\u901a\u8ca8\u81a8\u8139\u4fdd\u8b77<\/strong>\uff1a\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u901a\u8ca8\u81a8\u8139\u6703\u4fb5\u8755\u4f60\u8ca8\u5e63\u7684\u8cfc\u8cb7\u529b\u3002\u70ba\u9000\u4f11\u5132\u84c4\u548c\u6295\u8cc7\u53ef\u4ee5\u8b93\u4f60\u8ddf\u4e0a\u901a\u8ca8\u81a8\u8139\u7684\u6b65\u4f10\uff0c\u4e26\u7dad\u6301\u4f60\u7684\u751f\u6d3b\u6c34\u6e96\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u78ba\u5b9a\u4f60\u7684\u9000\u4f11\u76ee\u6a19<\/h2>\n\n\n\n<p>\u5728\u958b\u59cb\u5132\u84c4\u4e4b\u524d\uff0c\u5148\u660e\u78ba\u9000\u4f11\u76ee\u6a19\u81f3\u95dc\u91cd\u8981\u3002\u60a8\u5e0c\u671b\u9000\u4f11\u5f8c\u904e\u8457\u4ec0\u9ebc\u6a23\u7684\u751f\u6d3b\uff1f\u662f\u60f3\u74b0\u904a\u4e16\u754c\u3001\u8212\u9069\u751f\u6d3b\uff0c\u9084\u662f\u60f3\u7cbe\u7c21\u751f\u6d3b\uff0c\u4eab\u53d7\u66f4\u7c21\u55ae\u7684\u751f\u6d3b\uff1f<\/p>\n\n\n\n<p>\u9700\u8981\u8003\u616e\u7684\u4e00\u4e9b\u56e0\u7d20\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f60\u9700\u8981\u591a\u5c11\u9322\uff1f<\/strong>\uff1a\u4e00\u822c\u898f\u5247\u662f\uff0c\u60a8\u6bcf\u5e74\u9700\u8981\u9000\u4f11\u524d\u6536\u5165\u7684 70% \u5230 80% \u4f86\u7dad\u6301\u60a8\u76ee\u524d\u7684\u751f\u6d3b\u65b9\u5f0f\u3002<\/li>\n\n\n\n<li><strong>\u60a8\u60f3\u5728\u4ec0\u9ebc\u5e74\u9f61\u9000\u4f11\uff1f<\/strong>\uff1a\u60a8\u8d8a\u60f3\u65e9\u9000\u4f11\uff0c\u5c31\u9700\u8981\u5b58\u8d8a\u591a\u7684\u9322\u3002<\/li>\n\n\n\n<li><strong>\u4f60\u6703\u4f4f\u5728\u54ea\u88e1\uff1f<\/strong>\uff1a\u60a8\u7684\u6240\u5728\u5730\u53ef\u80fd\u6703\u5f71\u97ff\u60a8\u7684\u9000\u4f11\u8cbb\u7528\uff0c\u7279\u5225\u662f\u5982\u679c\u60a8\u8a08\u5283\u642c\u5230\u751f\u6d3b\u6210\u672c\u8f03\u9ad8\u7684\u5730\u5340\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u900f\u904e\u8a2d\u5b9a\u660e\u78ba\u7684\u76ee\u6a19\uff0c\u60a8\u53ef\u4ee5\u78ba\u5b9a\u9700\u8981\u7bc0\u7701\u591a\u5c11\u9322\u4e26\u5236\u5b9a\u5be6\u73fe\u9019\u4e9b\u76ee\u6a19\u7684\u8a08\u5283\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u5f9e\u96c7\u4e3b\u7684\u9000\u4f11\u8a08\u756b\u958b\u59cb<\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff0c\u4f8b\u5982401(k)\u6216403(b)\uff0c\u90a3\u9ebc\u4f60\u61c9\u8a72\u5148\u8003\u616e\u9019\u500b\u8a08\u5283\u3002\u8a31\u591a\u96c7\u4e3b\u6703\u63d0\u4f9b\u5339\u914d\u984d\u5ea6\u7684\u4f9b\u6b3e\uff0c\u9019\u7b46\u9322\u5be6\u969b\u4e0a\u76f8\u7576\u65bc\u300c\u514d\u8cbb\u8cc7\u91d1\u300d\u3002\u5229\u7528\u9019\u7a2e\u5339\u914d\u984d\u5ea6\u662f\u5feb\u901f\u589e\u52a0\u9000\u4f11\u5132\u84c4\u7684\u6700\u4f73\u65b9\u6cd5\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u5982\u4f55\u5145\u5206\u5229\u7528\u96c7\u4e3b\u7684\u9000\u4f11\u8a08\u756b\u7684\u65b9\u6cd5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8ca2\u737b\u8db3\u5920\u7684\u8cc7\u91d1\u4f86\u7372\u5f97\u6bd4\u8cfd\u8cc7\u683c<\/strong>\uff1a\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u7684\u96c7\u4e3b\u63d0\u4f9b 100% \u5339\u914d\u984d\uff0c\u6700\u9ad8\u53ef\u9054\u60a8\u5de5\u8cc7\u7684 3%\uff0c\u5247\u8acb\u5617\u8a66\u81f3\u5c11\u8ca2\u737b 3% \u4ee5\u5145\u5206\u5229\u7528\u8a72\u5339\u914d\u984d\u3002<\/li>\n\n\n\n<li><strong>\u81ea\u52d5\u6350\u6b3e<\/strong>\uff1a\u5927\u591a\u6578\u96c7\u4e3b\u8d0a\u52a9\u7684\u8a08\u5283\u5141\u8a31\u60a8\u8a2d\u5b9a\u5f9e\u6bcf\u5f35\u85aa\u6c34\u4e2d\u81ea\u52d5\u7e73\u6b3e\uff0c\u5f9e\u800c\u8f15\u9b06\u5be6\u73fe\u6301\u7e8c\u5132\u84c4\u3002<\/li>\n\n\n\n<li><strong>\u6295\u8cc7\u9078\u64c7<\/strong>\uff1a\u8a31\u591a\u96c7\u4e3b\u8a08\u5283\u5141\u8a31\u60a8\u5f9e\u591a\u7a2e\u6295\u8cc7\u65b9\u6848\u4e2d\u9032\u884c\u9078\u64c7\u3002\u5c0b\u627e\u4f4e\u6210\u672c\u7684\u6307\u6578\u57fa\u91d1\u6216\u76ee\u6a19\u65e5\u671f\u57fa\u91d1\uff0c\u9019\u4e9b\u57fa\u91d1\u65e8\u5728\u5728\u60a8\u63a5\u8fd1\u9000\u4f11\u6642\u81ea\u52d5\u8abf\u6574\u60a8\u7684\u6295\u8cc7\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u958b\u8a2d\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09<\/h2>\n\n\n\n<p>\u9664\u4e86\u96c7\u4e3b\u8d0a\u52a9\u7684\u8a08\u5283\u5916\uff0c\u60a8\u9084\u61c9\u8a72\u8003\u616e\u958b\u8a2d\u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA)\u3002 IRA \u662f\u4e00\u7a2e\u7a05\u6536\u512a\u60e0\u5e33\u6236\uff0c\u53ef\u8b93\u60a8\u81ea\u884c\u5132\u84c4\u9000\u4f11\u91d1\uff0c\u7121\u9700\u4f9d\u8cf4\u96c7\u4e3b\u3002<\/p>\n\n\n\n<p>IRA \u4e3b\u8981\u6709\u5169\u7a2e\u985e\u578b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u50b3\u7d71 IRA<\/strong>\uff1a\u50b3\u7d71 IRA \u7684\u4f9b\u6b3e\u53ef\u4ee5\u514d\u7a05\uff0c\u4e26\u4e14\u60a8\u7684\u6295\u8cc7\u589e\u9577\u53ef\u5ef6\u7a05\uff0c\u76f4\u5230\u60a8\u9000\u4f11\u6642\u63d0\u53d6\u70ba\u6b62\u3002<\/li>\n\n\n\n<li><strong>\u7f85\u65af\u500b\u4eba\u9000\u4f11\u5e33\u6236<\/strong>\uff1a\u7f85\u65af\u500b\u4eba\u9000\u4f11\u5e33\u6236 (Roth IRA) \u7684\u4f9b\u6b3e\u662f\u7528\u7a05\u5f8c\u8cc7\u91d1\u652f\u4ed8\u7684\uff0c\u4f46\u9000\u4f11\u6642\u7b26\u5408\u8cc7\u683c\u7684\u63d0\u6b3e\u662f\u514d\u7a05\u7684\u3002<\/li>\n<\/ul>\n\n\n\n<p>IRA \u7684\u7e73\u6b3e\u9650\u984d\u901a\u5e38\u4f4e\u65bc\u96c7\u4e3b\u8d0a\u52a9\u7684\u8a08\u5283\uff0c\u4f46\u5b83\u5011\u70ba\u60a8\u7684\u9000\u4f11\u5132\u84c4\u7b56\u7565\u63d0\u4f9b\u4e86\u984d\u5916\u7684\u9748\u6d3b\u6027\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. 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class=\"wp-block-list\">\n<li><strong>\u80a1\u7968<\/strong>\uff1a\u80a1\u7968\u5177\u6709\u5f88\u9ad8\u7684\u6210\u9577\u6f5b\u529b\uff0c\u4f46\u98a8\u96aa\u4e5f\u8f03\u9ad8\u3002\u5c0d\u65bc\u5e74\u8f15\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u5206\u6563\u5316\u7684\u80a1\u7968\u6295\u8cc7\u7d44\u5408\u901a\u5e38\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002<\/li>\n\n\n\n<li><strong>\u50b5\u5238<\/strong>\uff1a\u50b5\u5238\u901a\u5e38\u6bd4\u80a1\u7968\u5b89\u5168\uff0c\u4f46\u56de\u5831\u7387\u8f03\u4f4e\u3002\u96a8\u8457\u9000\u4f11\u5e74\u9f61\u81e8\u8fd1\uff0c\u60a8\u6216\u8a31\u61c9\u8a72\u5c07\u90e8\u5206\u6295\u8cc7\u8f49\u5411\u50b5\u5238\uff0c\u4ee5\u964d\u4f4e\u98a8\u96aa\u3002<\/li>\n\n\n\n<li><strong>\u5171\u540c\u57fa\u91d1\u548cETF<\/strong>\uff1a\u5171\u540c\u57fa\u91d1\u548c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1 (ETF) 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