{"id":9470,"date":"2021-11-13T23:56:00","date_gmt":"2021-11-13T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=9470"},"modified":"2025-11-13T12:02:01","modified_gmt":"2025-11-13T04:02:01","slug":"%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/","title":{"rendered":"\u80a1\u5229\u6295\u8cc7\u4eba\u5fc5\u9700\u7684\u8003\u91cf"},"content":{"rendered":"\n<p class=\"has-normal-font-size\">\u63d0\u9192\u4ee5\u80a1\u5229\u70ba\u6295\u8cc7\u51fa\u767c\u9ede\u7684\u6295\u8cc7\u670b\u53cb\u5011\uff0c\u4e0d\u8ad6\u662f\u7f8e\u80a1\u6216\u53f0\u80a1\uff1b\u5982\u679c\u60a8\u662f\u80a1\u5229\u65cf\u6216\u662f\u5e74\u9577\u7684\u9000\u4f11\u65cf\uff0c\u914d\u767c\u80a1\u5229\u6295\u8cc7\u8005\u6700\u5927\u7684\u8a31\u591a\u98a8\u96aa\u5fc5\u9700\u6ce8\u610f\uff0c\u9019\u5c31\u662f\u672c\u6587\u7684\u91cd\u9ede\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E8%82%A1%E5%83%B9%E6%BC%B2%E5%8B%A2%E5%BE%88%E6%9C%89%E9%99%90\" >\u80a1\u50f9\u6f32\u52e2\u5f88\u6709\u9650<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E9%80%9A%E8%86%A8%E5%92%8C%E5%88%A9%E7%8E%87\" >\u901a\u81a8\u548c\u5229\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E8%B3%A6%E7%A8%85\" >\u8ce6\u7a05<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E8%82%A1%E5%88%A9%E6%98%AF%E4%B8%8D%E7%A2%BA%E5%AE%9A%E7%9A%84%E6%94%B6%E5%85%A5\" >\u80a1\u5229\u662f\u4e0d\u78ba\u5b9a\u7684\u6536\u5165<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E8%82%A1%E5%88%A9%E6%94%BF%E7%AD%96%E6%9C%83%E7%89%BD%E5%8B%95%E8%82%A1%E5%83%B9\" >\u80a1\u5229\u653f\u7b56\u6703\u727d\u52d5\u80a1\u50f9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E8%82%A1%E5%88%A9%E7%82%BA%E5%87%BA%E7%99%BC%E9%BB%9E%E7%9A%84%E6%8A%95%E8%B3%87%E4%B8%8D%E5%A5%BD%E5%97%8E%EF%BC%9F\" >\u80a1\u5229\u70ba\u51fa\u767c\u9ede\u7684\u6295\u8cc7\u4e0d\u597d\u55ce\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E4%BD%95%E8%99%95%E6%89%BE%E5%B0%8B%E9%AB%98%E8%82%A1%E5%88%A9%E5%85%AC%E5%8F%B8\" >\u4f55\u8655\u627e\u5c0b\u9ad8\u80a1\u5229\u516c\u53f8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%83%B9%E6%BC%B2%E5%8B%A2%E5%BE%88%E6%9C%89%E9%99%90\"><\/span><strong>\u80a1\u50f9\u6f32\u52e2\u5f88\u6709\u9650<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0d\u8981\u843d\u5165\u898b\u6a39\u4e0d\u898b\u6797\uff1a\u5f88\u591a\u914d\u767c\u80a1\u5229\u7684\u4f01\u696d\u90fd\u662f\u696d\u52d9\u4e0d\u6703\u5927\u5e45\u6210\u9577\u7684\u4e0a\u5e02\u516c\u53f8\uff1b\u9019\u610f\u5473\u8005\u80a1\u50f9\u672a\u4f86\u5df2\u7d93\u4e0d\u6703\u518d\u6709\u660e\u986f\u7684\u6210\u9577\uff1b\u60a8\u7684\u672c\u91d1\u6709\u53ef\u80fd\u6703\u6709\u88ab\u5403\u6389\u7684\u5371\u96aa\u3002\u5373\u4f7f\u60a8\u8cb7\u7684\u662f\u6211\u63d0\u904e\u7684\u5c11\u6578\u6703\u914d\u767c\u80a1\u5229\u7684\u534a\u5c0e\u9ad4\u80a1\uff0c\u5e73\u5747\u800c\u8a00\uff0c\u4ed6\u5011\u7684\u6f32\u52e2\u90fd\u6bd4\u8f03\u5dee\uff0c\u800c\u4e14\u6709\u6709\u80fd\u6703\u4f4e\u65bc\u5927\u76e4\u3002\u6700\u7cdf\u7cd5\u7684\u60c5\u6cc1\u662f\uff0c\u5982\u679c\u672c\u91d1\u9084\u5728\u5c31\u5df2\u7d93\u662f\u842c\u5e78\u4e86\u3002 <\/p>\n\n\n\n<p>\u6211\u4e4b\u524d\u5c31\u62ff\u53ef\u53e3\u53ef\u6a02\u70ba\u4f8b\uff0c\u9019\u662f\u4e00\u500b\u975e\u5e38\u597d\u7684\u4f8b\u5b50\u3002\u53f0\u80a1\u7684\u4e2d\u92fc\u4e5f\u662f\u4e00\u500b\u4f8b\u5b50\uff0c\u800c\u4e14\u4e2d\u92fc\u56b4\u683c\u4f86\u8aaa\uff0c\u6240\u8655\u7522\u696d\uff0c\u60c5\u6cc1\u6bd4\u53ef\u53e3\u53ef\u6a02\u4e0d\u5229\u591a\u4e86\u3002\u800c\u4e14\u53f0\u7063\u7684\u570b\u60c5\u3001\u6574\u9ad4\u7522\u696d\u67b6\u69cb\u3001\u7522\u696d\u6548\u76ca\u3001\u5229\u6f64\uff0c\u5be6\u5728\u770b\u4e0d\u51fa\u4f86\u9577\u671f\u9069\u5408\u7149\u92fc\u3002\u8a73\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u90e8\u843d\u683c\u6587\u7ae0<span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/07\/02\/%e5%8f%af%e5%8f%a3%e5%8f%af%e6%a8%82%e8%bf%91%e5%8d%81%e5%b9%b4%e8%a1%a8%e7%8f%be%e4%b8%8d%e5%8f%aa%e4%b8%8d%e5%a6%82%e7%99%be%e4%ba%8b%e5%8f%af%e6%a8%82%ef%bc%8c%e8%80%8c%e4%b8%94%e5%af%a6%e8%b3%aa\/\"><span style=\"font-size: revert;\">\u53ef\u53e3\u53ef\u6a02\u8fd1\u5341\u5e74\u8868\u73fe\u4e0d\u53ea\u4e0d\u5982\u767e\u4e8b\u53ef\u6a02\uff0c\u800c\u4e14\u5be6\u8cea<\/span>\u5831\u916c\u9084\u662f\u8ca0\u7684<\/a><span style=\"font-size: revert;\">\u300b<\/span>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E9%80%9A%E8%86%A8%E5%92%8C%E5%88%A9%E7%8E%87\"><\/span><strong><span style=\"font-size: revert;\">\u901a\u81a8\u548c\u5229\u7387<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">\u901a\u81a8\u548c\u5229\u7387\u7684\u91cd\u8981\u6027\u518d\u600e\u9ebc\u5f37\u8abf\u90fd\u4e0d\u70ba\u904e\uff0c\u4e00\u822c\u4eba\u90fd\u592a\u4f4e\u4f30\u901a\u81a8\u548c\u5229\u7387\u5c0d\u6240\u6709\u4eba\u7684\u6bba\u50b7\u529b<span style=\"font-size: revert;\">\u2500\u2500\u2500\u2500\u9019\u9ebc\u8aaa\u5427\uff0c\u80fd\u5920\u6bcf\u5e74\u90fd\u652f\u4ed8\u8d85\u904e<\/span>\u901a\u81a8\u52a0\u5229\u7387\u4e0a\u6f32\u7387\u7684\u80a1\u7968\u4e0d\u662f\u5f88\u5c11\uff0c\u662f\u6975\u7aef\u7f55\u898b\uff01\u6295\u8cc7\u4eba\u52d9\u5fc5\u6b63\u8996\u7269\u50f9\u4e0a\u6f32\u7684\u58d3\u529b\uff08\u4e5f\u5c31\u662f\u60a8\u7684\u5be6\u8cea\u8cfc\u8cb7\u529b\uff0c\u9019\u624d\u662f\u6700\u91cd\u8981\u7684\uff09\uff0c\u55ae\u9760\u80a1\u5229\u5982\u4f55\u7dad\u6301\u751f\u6d3b\u3002\u5c0d\u9019\u500b\u4e3b\u984c\u6709\u8208\u8da3\u7684\u8b80\u8005\u53ef\u53c3\u898b\u6211\u4e4b\u524d\u6240\u5beb\u7684\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/29\/%e6%8a%95%e8%b3%87%e4%ba%ba%e7%9a%84%e5%85%a9%e5%a4%a7%e6%ae%ba%e6%89%8b%e9%80%9a%e8%86%a8%e5%92%8c%e5%88%a9%e7%8e%87\/\">\u6295\u8cc7\u4eba\u7684\u4e09\u5927\u6bba\u624b\uff1a\u901a\u81a8\uff0c\u5229\u7387\uff0c\u548c\u7a05\u8ce6<\/a>\u300b\u4e00\u6587\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%B3%A6%E7%A8%85\"><\/span><strong>\u8ce6\u7a05<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u53f0\u7063\u6709\u6240\u8b02\u6709\u9322\u4eba\u78b0\u5230\u80a1\u5229\u652f\u4ed8\u7684\u671f\u9593\uff0c\u5c31\u8ce3\u51fa\u80a1\u7968\uff0c\u7b49\u9664\u606f\u5f8c\u518d\u8cb7\u56de\u80a1\u7968\uff0c\u85c9\u4ee5\u9003\u907f\u5927\u91cf\u7684\u7a05\u8ce6\uff0c\u9019\u662f\u5168\u4e16\u754c\u5c11\u6709\u7684\u5947\u7279\u73fe\u8c61\uff0c\u539f\u56e0\u7121\u5b83\uff0c\u56e0\u70ba\u53f0\u7063\u7684\u7a05\u6cd5\u4fee\u6539<span style=\"font-size: revert;\">\u2500\u2500\u2500\u2500<\/span>\u80a1\u5229\u5df2\u7d93\u4f75\u5165\u7d9c\u5408\u6240\u5f97\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u5373\u4f7f\u60a8\u662f\u7f8e\u570b\u4eba\u8cb7\u7f8e\u80a1\uff0c\u80a1\u606f\u6536\u5165\u61c9\u6309\u8cc7\u672c\u5229\u5f97\u7387\u6216\u8f03\u9ad8\u7684\u666e\u901a\u6240\u5f97\u7a05\u7387\u5fb5\u7a05\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u9664\u975e\u60a8\u51fa\u552e\u4e26\u5be6\u73fe\u6536\u76ca\uff0c\u5426\u5247\u60a8\u7121\u9700\u70ba\u80a1\u50f9\u5347\u503c\u7d0d\u7a05\u3002\u9019\u5c31\u662f\u7f8e\u80a1\u4e0a\u5e02\u516c\u53f8\u4e0d\u559c\u6b61\u914d\u606f\uff0c\u6539\u7528\u80a1\u7968\u56de\u8cfc\u7684\u539f\u56e0\uff1b\u8a73\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u6587\u7ae0<span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/05\/22\/%e7%82%ba%e4%bd%95%e6%84%88%e4%be%86%e6%84%88%e5%a4%9a%e7%9a%84%e7%be%8e%e5%9c%8b%e7%a7%91%e6%8a%80%e8%82%a1%e4%b8%8a%e5%b8%82%e5%85%ac%e5%8f%b8%e5%82%be%e5%90%91%e4%b8%8d%e7%99%bc%e6%94%be%e8%82%a1\/\">\u70ba\u4f55\u6108\u4f86\u6108\u591a\u7684\u7f8e\u570b\u79d1\u6280\u80a1\u4e0a\u5e02\u516c\u53f8\u50be\u5411\u4e0d\u767c\u653e\u80a1\u5229<\/a><span style=\"font-size: revert;\">\u300b<\/span>\u7684\u8aaa\u660e\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u662f\u7f8e\u570b\u7d0d\u7a05\u4eba\uff0c\u8acb\u52d9\u5fc5\u5584\u7528\u60a8\u7684401(K)\u5e33\u6236\uff0c\u56e0\u70ba\u4f7f\u7528401(K)\u5e33\u6236\u4f86\u8cfc\u80a1\u3002\u80a1\u606f\u7a05\u5728\u60a8\u7684 401(k) \u548c\u50b3\u7d71 IRA \u4e2d\u905e\u5ef6\uff0c\u4e26\u4e14\u5728\u7f85\u65afIRA\u4e2d\u662f\u514d\u7a05\u7684\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%88%A9%E6%98%AF%E4%B8%8D%E7%A2%BA%E5%AE%9A%E7%9A%84%E6%94%B6%E5%85%A5\"><\/span><strong>\u80a1\u5229\u662f\u4e0d\u78ba\u5b9a\u7684\u6536\u5165<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4f01\u696d\u767c\u653e\u80a1\u5229\u4e26\u4e0d\u4fdd\u8b49\u4e0d\u6703\u4e2d\u65b7\uff0c\u800c\u4e14\u9084\u6301\u7e8c\u96a8\u901a\u81a8\u8abf\u9ad8\u80a1\u5229\u3002\u5728\u7f8e\u80a1\u7684\u6b77\u53f2\u4e0a\uff0c\u53ea\u6709\u300c\u6975\u5176\u7f55\u898b\u7684\u5f88\u5c11\u6578\u5e7e\u5bb6\u300d\u4f01\u696d\uff08\u540d\u55ae\u8acb\u898b\u6211\u5728<span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.books.com.tw\/products\/0010889106?sloc=main\" target=\"_blank\" rel=\"noopener\">\u8d85\u7d1a\u6210\u9577\u80a1\u6295\u8cc7\u6cd5\u5247<\/a><span style=\"font-size: revert;\">\u300b\u4e00\u66f8\u4e2d\uff0c<\/span>5-6\u7bc0\uff0c\u7b2c400\u9801\u6240\u5217\uff09\u7dad\u6301\u9019\u7a2e\u8a18\u9304\u3002\u5927\u90e8\u4efd\u90fd\u6703\u4e2d\u65b7\uff0c\u4e3b\u8981\u662f\u56e0\u70ba\u4e0a\u5e02\u4f01\u696d\u7684\u58fd\u547d\u6709\u9650\u3002\u53e6\u5916\u4e00\u500b\u539f\u56e0\u5c31\u662f\u7d93\u71df\u78b0\u5230\u56f0\u5883\uff0c\u5c0e\u81f4\u7d93\u71df\u767c\u751f\u56f0\u96e3\uff0c\u5fc5\u9808\u524a\u6e1b\u80a1\u5229\u4ee5\u7dad\u6301\u6d3b\u547d\u7684\u73fe\u91d1\u6d41\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%88%A9%E6%94%BF%E7%AD%96%E6%9C%83%E7%89%BD%E5%8B%95%E8%82%A1%E5%83%B9\"><\/span><strong>\u80a1\u5229\u653f\u7b56\u6703\u727d\u52d5\u80a1\u50f9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u767c\u653e\u80a1\u5229\u7684\u4e0a\u5e02\u4f01\u696d\u7684\u80a1\u50f9\uff0c\u5e7e\u4e4e\u90fd\u6703\u9ad8\u5ea6\u9023\u52d5\u65bc\u516c\u53f8\u7684\u80a1\u5229\u653f\u7b56<span style=\"font-size: revert;\">\u2500\u2500\u2500\u2500<\/span>\u8abf\u5347\u80a1\u5229\u3001\u8abf\u964d\u80a1\u5229\u3001\u505c\u767c\u80a1\u5229\u3001\u958b\u59cb\u767c\u653e\u80a1\u5229\u3001\u6062\u5fa9\u80a1\u5229\uff1b\u4efb\u4f55\u4e00\u9805\u90fd\u6703\u7acb\u5373\u727d\u52d5\u8a72\u4f01\u696d\u7684\u80a1\u50f9\u3002 \u4f8b\u5982\u7576<a href=\"https:\/\/www.cnbc.com\/2018\/12\/07\/ge-makes-it-official-lowers-dividend-to-a-penny.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u901a\u7528\u96fb\u6c23\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aGE\uff09\u5728 2018 \u5e74\u524a\u6e1b\u80a1\u606f<\/a>\u6642\uff0c\u80a1\u50f9\u5728\u516d\u9031\u5167\u5f9e\u7d0478\u7f8e\u5143\u8dcc\u81f351.54 \u7f8e\u5143\uff0c\u4e0b\u8dcc\u4e8634%\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%88%A9%E7%82%BA%E5%87%BA%E7%99%BC%E9%BB%9E%E7%9A%84%E6%8A%95%E8%B3%87%E4%B8%8D%E5%A5%BD%E5%97%8E%EF%BC%9F\"><\/span><strong>\u80a1\u5229\u70ba\u51fa\u767c\u9ede\u7684\u6295\u8cc7\u4e0d\u597d\u55ce\uff1f<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ee5\u80a1\u5229\u70ba\u51fa\u767c\u9ede\u7684\u6295\u8cc7\u65b9\u5f0f\u6c92\u6709\u4e0d\u597d\uff0c\u56e0\u70ba\u6bcf\u500b\u6295\u8cc7\u4eba\u7684\u60c5\u6cc1\u3001\u9700\u6c42\u3001\u8ca1\u52d9\u72c0\u614b\u3001\u5e74\u7d00\u800c\u6709\u4e0d\u540c\u8003\u91cf<span style=\"font-size: revert;\">\u2500\u2500\u2500\u2500<\/span>\u8ca1\u5711\u6cd5\u4eba\u3001\u975e\u71df\u5229\u6a5f\u69cb\u3001\u9000\u4f11\u65cf\u3001\u6c92\u6709\u5de5\u4f5c\u3001\u6216\u4efb\u4f55\u91cd\u8996\u8cc7\u7522\u5feb\u901f\u6d41\u52d5\u6027\u7684\u6295\u8cc7\u8005\u5c31\u5f88\u9069\u5408\u63a1\u7528\u4ee5\u80a1\u5229\u70ba\u51fa\u767c\u9ede\u7684\u6295\u8cc7\u65b9\u5f0f\u3002\u6211\u4e00\u518d\u5f37\u8abf\u6295\u8cc7\u7684\u8def\u4e0a\u6c92\u6709\u6240\u8b02\u300c\u78ba\u5b9a\u300d\u6216\u300c\u4e00\u5b9a\u300d\u9019\u56de\u4e8b\uff1b\u53ea\u6709\u9069\u4e0d\u9069\u5408\u81ea\u5df1\uff0c\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u65b9\u5f0f\u624d\u6703\u6709\u6295\u5165\u7684\u71b1\u60c5\uff0c\u624d\u6703\u81ea\u52d5\u81ea\u767c\u5730\u5f62\u6210\u7fd2\u6163\u3002\u5f37\u884c\u5957\u7528\u5176\u5b83\u7684\u6295\u8cc7\u65b9\u5f0f\uff0c\u786c\u63a1\u7528\u81ea\u5df1\u90fd\u5f88\u96e3\u8a8d\u540c\u7684\u65b9\u5f0f\uff0c\u5f88\u96e3\u9577\u4e45\u3002\u627e\u5230\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u65b9\u5f0f\u624d\u80fd\u9577\u4e45\u3001\u9577\u671f\u6295\u8cc7\u3001\u7d30\u6c34\u9577\u6d41\u624d\u80fd\u6210\u529f\u3002\u6211\u7684\u6240\u6709\u4e2d\u5fc3\u60f3\u6cd5\u90fd\u662f\u4e00\u81f4\u7684\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"156\" height=\"101\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/Flickr-1600x1200-4.jpg\" alt=\"\u80a1\u5229\u6295\u8cc7\" class=\"wp-image-25246\"\/><figcaption class=\"wp-element-caption\">credit: Flickr<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BD%95%E8%99%95%E6%89%BE%E5%B0%8B%E9%AB%98%E8%82%A1%E5%88%A9%E5%85%AC%E5%8F%B8\"><\/span>\u4f55\u8655\u627e\u5c0b\u9ad8\u80a1\u5229\u516c\u53f8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u60a8\u662f\u4ee5\u80a1\u5229\u70ba\u51fa\u767c\u9ede\u9032\u884c\u6295\u8cc7\uff0c\u8a73\u5efa\u8b70\u60a8\u53c3\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u6587\u7ae0<span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/10\/08\/%e7%be%8e%e8%82%a1%e8%82%a1%e5%88%a9%e8%b1%90%e5%8e%9a%e7%9a%84%e7%94%a2%e6%a5%ad%e5%8f%8a%e5%92%8c%e5%8f%b0%e8%82%a1%e7%9a%84%e4%b8%8d%e4%b8%8d%e4%b9%8b%e8%99%95\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u80a1\u80a1\u5229\u8c50\u539a\u7684\u7522\u696d\u53ca\u548c\u53f0\u80a1\u76846\u9ede\u4e0d\u540c\u4e4b\u8655<\/a><span style=\"font-size: revert;\">\u300b<\/span>\u7684\u8aaa\u660e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/11\/12\/%e8%82%a1%e5%88%a9%e6%94%af%e4%bb%98%e6%9c%80%e9%95%b7%e7%9a%8450%e5%ae%b6%e5%85%ac%e5%8f%b8\/\">\u7f8e\u570b\u80a1\u5229\u652f\u4ed8\u6700\u9577\u768450\u5bb6\u516c\u53f8<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/10\/08\/%e7%be%8e%e8%82%a1%e8%82%a1%e5%88%a9%e8%b1%90%e5%8e%9a%e7%9a%84%e7%94%a2%e6%a5%ad%e5%8f%8a%e5%92%8c%e5%8f%b0%e8%82%a1%e7%9a%84%e4%b8%8d%e4%b8%8d%e4%b9%8b%e8%99%95\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u80a1\u80a1\u5229\u8c50\u539a\u7684\u7522\u696d\u53ca\u548c\u53f0\u80a1\u76846\u9ede\u4e0d\u540c\u4e4b\u8655<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/08\/05\/%e5%8f%b0%e8%82%a15%e5%a4%a7%e9%ab%98%e8%82%a1%e6%81%afetf%e4%b8%8d%e5%8f%af%e9%80%86%e7%9a%84%e8%b6%a8%e5%8b%a2\/\">\u8a73\u8ad6\u53f0\u80a15\u5927\u9ad8\u80a1\u606fETF\uff0c\u4e0d\u53ef\u9006\u7684\u8da8\u52e2\uff0c\u548c\u53f0\u7063\u4eba\u6709\u591a\u559c\u6b61\u9ad8\u80a1\u606f\u53f0\u80a1ETF<\/a>\u300b<\/li>\n\n\n\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/13\/%e8%82%a1%e5%88%a9%e6%8a%95%e8%b3%87%e4%ba%ba%e5%bf%85%e9%9c%80%e7%9a%84%e8%80%83%e9%87%8f\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u80a1\u5229\u6295\u8cc7\u4eba\u5fc5\u9700\u7684\u8003\u91cf<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/05\/22\/%e7%82%ba%e4%bd%95%e6%84%88%e4%be%86%e6%84%88%e5%a4%9a%e7%9a%84%e7%be%8e%e5%9c%8b%e7%a7%91%e6%8a%80%e8%82%a1%e4%b8%8a%e5%b8%82%e5%85%ac%e5%8f%b8%e5%82%be%e5%90%91%e4%b8%8d%e7%99%bc%e6%94%be%e8%82%a1\/\">\u70ba\u4f55\u6108\u4f86\u6108\u591a\u7684\u7f8e\u570b\u79d1\u6280\u80a1\u4e0a\u5e02\u516c\u53f8\u50be\u5411\u4e0d\u767c\u653e\u80a1\u5229<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/07\/02\/%e5%8f%af%e5%8f%a3%e5%8f%af%e6%a8%82%e8%bf%91%e5%8d%81%e5%b9%b4%e8%a1%a8%e7%8f%be%e4%b8%8d%e5%8f%aa%e4%b8%8d%e5%a6%82%e7%99%be%e4%ba%8b%e5%8f%af%e6%a8%82%ef%bc%8c%e8%80%8c%e4%b8%94%e5%af%a6%e8%b3%aa\/\"><span style=\"font-size: revert;\">\u53ef\u53e3\u53ef\u6a02\u8fd1\u5341\u5e74\u8868\u73fe\u4e0d\u53ea\u4e0d\u5982\u767e\u4e8b\u53ef\u6a02\uff0c\u800c\u4e14\u5be6\u8cea<\/span>\u5831\u916c\u9084\u662f\u8ca0\u7684<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/29\/%e6%8a%95%e8%b3%87%e4%ba%ba%e7%9a%84%e5%85%a9%e5%a4%a7%e6%ae%ba%e6%89%8b%e9%80%9a%e8%86%a8%e5%92%8c%e5%88%a9%e7%8e%87\/\">\u6295\u8cc7\u4eba\u7684\u4e09\u5927\u6bba\u624b\uff1a\u901a\u81a8\uff0c\u5229\u7387\uff0c\u548c\u7a05\u8ce6<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>\u672c\u7ad9\u5167\u5bb9\u70ba\u4f5c\u8005\u500b\u4eba\u610f\u898b\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u672c\u4eba\u4e0d\u5c0d\u6587\u7ae0\u5167\u5bb9\u3001\u8cc7\u6599\u4e4b\u6b63\u78ba\u6027\u3001\u770b\u6cd5\u3001\u8207\u5373\u6642\u6027\u8ca0\u4efb\u4f55\u8cac\u4efb\uff0c\u8b80\u8005\u8acb\u52d9\u5fc5\u81ea\u884c\u5224\u65b7\u3002<\/em><\/li>\n\n\n\n<li><em>\u5c0d\u65bc\u8b80\u8005\u76f4\u63a5\u6216\u9593\u63a5\u4f9d\u8cf4\u4e26\u53c3\u8003\u672c\u7ad9\u8cc7\u8a0a\u5f8c\uff0c\u63a1\u53d6\u4efb\u4f55\u6295\u8cc7\u884c\u70ba\u6240\u5c0e\u81f4\u4e4b\u76f4\u63a5\u6216\u9593\u63a5\u640d\u5931\uff0c\u6216\u56e0\u6b64\u7522\u751f\u4e4b\u4e00\u5207\u8cac\u4efb\uff0c\u672c\u4eba\u5747\u4e0d\u8ca0\u4efb\u4f55\u640d\u5bb3\u8ce0\u511f\u53ca\u5176\u4ed6\u6cd5\u5f8b\u4e0a\u4e4b\u8cac\u4efb\u3002<\/em><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u80a1\u5229\u6295\u8cc7\u4eba\u5fc5\u9700\u7684\u8003\u91cf, 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