{"id":64120,"date":"2025-08-06T18:28:03","date_gmt":"2025-08-06T22:28:03","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/08\/06\/tfsa%e7%8b%82%e7%bf%bb11%e5%80%8d%ef%bc%9a%e5%a4%9a%e4%bc%a6%e5%a4%9a%e5%a4%a7%e5%ad%a6%e7%94%9f%e9%97%b2%e6%9a%87%e6%97%b6%e9%97%b4%e6%9a%b4%e8%b5%9a110%e4%b8%87%ef%bc%81%e7%a7%98%e8%af%80%e7%ab%9f\/"},"modified":"2025-08-06T18:28:03","modified_gmt":"2025-08-06T22:28:03","slug":"tfsa%e7%8b%82%e7%bf%bb11%e5%80%8d%ef%bc%9a%e5%a4%9a%e4%bc%a6%e5%a4%9a%e5%a4%a7%e5%ad%a6%e7%94%9f%e9%97%b2%e6%9a%87%e6%97%b6%e9%97%b4%e6%9a%b4%e8%b5%9a110%e4%b8%87%ef%bc%81%e7%a7%98%e8%af%80%e7%ab%9f","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/64120","title":{"rendered":"TFSA\u72c2\u7ffb11\u500d\uff1a\u591a\u4f26\u591a\u5927\u5b66\u751f\u95f2\u6687\u65f6\u95f4\u66b4\u8d5a$110\u4e07\uff01\u79d8\u8bc0\u7adf\u662f&#8221;\u61d2&#8221;"},"content":{"rendered":"<p>\u4f60\u80fd\u60f3\u8c61\u5417\uff1f\u4e00\u4f4d\u591a\u4f26\u591a\u5927\u5b66\u751f\uff0c\u7adf\u9760\u7406\u8d22\uff0c\u628a\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u505a\u5230\u4e86\u60ca\u4eba\u7684110\u4e07\u52a0\u5143\uff01<\/p>\n<p>\u8fd9\u7a76\u7adf\u662f\u600e\u4e48\u505a\u5230\u7684\uff1f\u4eca\u5929\u5c31\u6765\u63ed\u79d8\u8fd9\u4f4d\u6295\u8d44\u9ad8\u624b\u5982\u4f55\u6253\u9020\u51fa\u4ee4\u4eba\u7fa1\u6155\u7684\u8d22\u5bcc\u81ea\u7531\u4e4b\u8def\u3002<\/p>\n<figure class=\"image\" data-attachment-id=\"5980755\" data-aspect-ratio=\"2.6753\" data-width=\"725\" data-height=\"271\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/68926e25b893a.jpg\"><\/figure>\n<figure class=\"image\" data-attachment-id=\"5980756\" data-aspect-ratio=\"1.7532\" data-width=\"1080\" data-height=\"616\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/68926e25daaea.jpg\"><\/figure>\n<p>\u767d\u5929\u8bfb\u795e\u5b66\uff0c\u665a\u4e0a\u505a\u201c\u80a1\u795e\u201d<\/p>\n<p>Joseph\uff0c\u4eca\u5e7436\u5c81\uff0c\u662f\u591a\u4f26\u591a\u4e00\u6240\u5927\u5b66\u795e\u5b66\u4e13\u4e1a\u7684\u5b66\u751f\u3002\u95f2\u6687\u65f6\uff0c\u4ed6\u4e13\u6ce8\u4e8e\u7406\u8d22\uff0c\u76ee\u524d\u5176TFSA\u8d26\u6237\u5e02\u503c\u7ea6\u4e3a110\u4e07\u52a0\u5143\u3002<\/p>\n<p>\u800c\u8fd9\u8fd8\u4e0d\u662f\u6700\u620f\u5267\u6027\u7684\u90e8\u5206\u3002\u56e0\u4e3aJoseph\u6b63\u5728\u529e\u7406\u79bb\u5a5a\uff0c\u8fd9\u7b14\u9ad8\u989d\u8d44\u4ea7\u5b9e\u9645\u4e0a\u5f52\u5c5e\u5373\u5c06\u6210\u4e3a\u4ed6\u201c\u524d\u59bb\u201d\u7684\u4eba\u3002\u4ed6\u81ea\u5df1\u7684TFSA\u540c\u6837\u589e\u503c\u663e\u8457\uff0c\u4f46\u7565\u900a\u4e00\u7b79\uff0c\u5c3d\u7ba1\u4e24\u4eba\u6295\u8d44\u7684\u80a1\u7968\u51e0\u4e4e\u4e00\u6a21\u4e00\u6837\u3002<\/p>\n<p>\u201c\u6211\u5728\u5979\u7684TFSA\u8d26\u6237\u4e0a\u66f4\u2018\u61d2\u2019\u4e00\u4e9b\uff0c\u5c31\u8ba9\u5b83\u81ea\u5df1\u8dd1\uff0c\u201d\u4ed6\u89e3\u91ca\u9053\u3002\u4e5f\u8bb8\uff0c\u8fd9\u4e5f\u5370\u8bc1\u4e86\u6295\u8d44\u5927\u5496\u67e5\u7406\u00b7\u8292\u683c\uff08Charlie Munger\uff09\u7684\u91d1\u53e5\uff1a\u201c\u8d5a\u5927\u94b1\u4e0d\u662f\u9760\u4e70\u5356\uff0c\u662f\u9760\u7b49\u5f85\u3002\u201d<\/p>\n<p>\u4e24\u4e2aTFSA\u8d26\u6237\u90fd\u662f\u57282009\u5e74\u5f00\u8bbe\u7684\uff0c\u5e74\u4f9b\u6b3e\u57fa\u672c\u6ee1\u989d\uff0c\u622a\u81f32025\u5e74\uff0c\u6bcf\u4e2aTFSA\u8d26\u6237\u7684\u7d2f\u8ba1\u4f9b\u6b3e\u989d\u5ea6\u63a5\u8fd110\u4e07\u52a0\u5143\u3002\u4ed6\u8fd8\u6709\u4e00\u4e2a\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u53ca\u975e\u6ce8\u518c\u8d26\u6237\u3002<\/p>\n<p>\u5728\u5b66\u751f\u8eab\u4efd\u4e0b\uff0cJoseph\u53ef\u4e0d\u662f\u7406\u8d22\u65b0\u624b\u3002\u4ed6\u66fe\u5728\u4e00\u5bb6\u5927\u578b\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u505a\u4e869\u5e74\u52a0\u62ff\u5927\u5927\u76d8\u80a1\u5206\u6790\u5e08\u3002\u5982\u4eca\uff0c\u4ed6\u5c06\u4e13\u4e1a\u6280\u80fd\u7528\u5728\u6295\u8d44\u201c\u5c0f\u76d8\u80a1\u201d\u4e0a\u3002<\/p>\n<p>Joseph\u8868\u793a\uff0c\u4ed6\u4e4b\u6240\u4ee5\u8f6c\u5411\u5c0f\u76d8\u80a1\uff0c\u662f\u56e0\u4e3a\u5b83\u4eec\u901a\u5e38\u88ab\u4e13\u4e1a\u548c\u5927\u578b\u6295\u8d44\u8005\u6240\u5ffd\u7565\uff0c\u4ea4\u6613\u91cf\u8f83\u5c0f\uff0c\u5e02\u573a\u6548\u7387\u8f83\u4f4e\uff0c\u6709\u66f4\u591a\u673a\u4f1a\u627e\u5230\u88ab\u4f4e\u4f30\u7684\u201c\u5b9d\u85cf\u201d\u3002<\/p>\n<p>\u9274\u4e8e\u5c0f\u76d8\u80a1\u516c\u53f8\u901a\u5e38\u5904\u4e8e\u53d1\u5c55\u7684\u65e9\u671f\u9636\u6bb5\uff0c\u5b83\u4eec\u4e5f\u5177\u6709\u66f4\u9ad8\u7684\u589e\u957f\u6f5c\u529b\u3002\u8457\u540d\u8d22\u7ecf\u5b66\u8005\u5c24\u91d1\u00b7\u6cd5\u739b\uff08Eugene Fama\uff09\u548c\u80af\u5c3c\u65af\u00b7\u5f17\u4f26\u5947\uff08Kenneth French\uff09\u7684\u4e00\u9879\u7814\u7a76\u8868\u660e\uff0c\u4ece1926\u5e74\u52302023\u5e74\uff0c\u5c0f\u76d8\u80a1\u7684\u5e74\u5747\u56de\u62a5\u7387\u572811%\u523012%\u4e4b\u95f4\uff0c\u4f18\u4e8e\u5927\u76d8\u80a1\u76849%-10%\u3002\u5f53\u7136\uff0c\u8fd9\u79cd\u6ea2\u4ef7\u6709\u65f6\u53ef\u80fd\u4f1a\u6d88\u5931\uff0c\u4f8b\u5982\u5728\u5f53\u524d\u7684\u4eba\u5de5\u667a\u80fd\u70ed\u6f6e\u4e2d\u3002<\/p>\n<p>\u4e0d\u5229\u7684\u4e00\u9762\u662f\uff0c\u5c0f\u76d8\u80a1\u98ce\u9669\u4e5f\u66f4\u9ad8\uff0c\u5305\u62ec\u4f01\u4e1a\u5012\u95ed\u98ce\u9669\u548c\u878d\u8d44\u56f0\u96be\u7b49\u3002\u6b64\u5916\uff0c\u5c0f\u76d8\u80a1\u5bf9\u7ecf\u6d4e\u5468\u671f\u4e5f\u66f4\u4e3a\u654f\u611f\uff0c\u56e0\u6b64\u5b83\u4eec\u5728\u7ecf\u6d4e\u8870\u9000\u671f\u95f4\u8868\u73b0\u4e0d\u4f73\uff0c\u5728\u590d\u82cf\u671f\u95f4\u8868\u73b0\u51fa\u8272\u3002<\/p>\n<p>\u4e0e\u90a3\u4e9b\u201c\u91cd\u4ed3\u4e00\u4e24\u53ea\u9ed1\u9a6c\u80a1\u53d6\u5f97\u5de8\u5927\u6536\u76ca\u201d\u7684\u6295\u8d44\u8005\u4e0d\u540c\uff0cJoseph\u91c7\u53d6\u8f83\u4e3a\u7a33\u5065\u7684\u7b56\u7565\uff0c\u6301\u6709\u4e00\u4e2a\u753110\u523012\u53ea\u80a1\u7968\u7ec4\u6210\u7684\u5206\u6563\u5316\u6295\u8d44\u7ec4\u5408\uff0c\u5355\u53ea\u80a1\u7968\u6301\u4ed3\u4e0d\u8d85\u8fc730%\u3002<\/p>\n<p>\u4ed6\u8bf4\uff0c\u4ed6\u4f1a\u4f18\u5148\u9009\u62e9\u90a3\u4e9b\u201c\u8d44\u4ea7\u8d1f\u503a\u8868\u4e0a\u6709\u786c\u8d44\u4ea7\u201d\u6216\u8005\u201c\u5177\u6709\u6301\u7eed\u6536\u5165\u201d\u7684\u516c\u53f8\uff0c\u4ee5\u964d\u4f4e\u4e0b\u884c\u98ce\u9669\uff0c\u5e76\u91cd\u70b9\u5173\u6ce8\u201c\u76c8\u5229\u62d0\u70b9\u201d\u2014\u2014\u8fd9\u53ef\u80fd\u6765\u81ea\u65b0\u4ea7\u54c1\u3001\u7ba1\u7406\u53d8\u9769\u6216\u4e1a\u52a1\u6539\u5584\u3002<\/p>\n<p>Joseph\u7684\u8c03\u7814\u65b9\u5f0f\u5305\u62ec\u5305\u62ec\u4ed4\u7ec6\u7814\u8bfb\u516c\u53f8\u5b98\u65b9\u6587\u4ef6\uff0c\u548c\u4f01\u4e1a\u9ad8\u7ba1\u4ea4\u6d41\uff0c\u8fd8\u4e0e\u5176\u4ed6\u5c0f\u76d8\u80a1\u6295\u8d44\u8005\u9891\u7e41\u6c9f\u901a\uff0c\u6355\u6349\u6295\u8d44\u673a\u4f1a\u3002<\/p>\n<p>\u51e0\u7b14\u795e\u64cd\u4f5c\uff0c\u6295\u8d44\u201c\u7ffb\u500d\u738b\u201d<\/p>\n<p>Joseph\u5728\u6295\u8d44\u65f6\uff0c\u5584\u4e8e\u6355\u6349\u5e02\u573a\u4f4e\u8ff7\u65f6\u7684\u201c\u6361\u6f0f\u201d\u673a\u4f1a\u3002\u4e0b\u9762\u8fd95\u7b14\u64cd\u4f5c\uff0c\u582a\u79f0\u6559\u79d1\u4e66\u7ea7\u522b\uff1a<\/p>\n<ul>\n<li>Solium Capital\uff1a\u8fd9\u5bb6\u516c\u53f8\u9500\u552e\u7528\u4e8e\u8ffd\u8e2a\u5458\u5de5\u80a1\u6743\u5956\u52b1\u7684\u8f6f\u4ef6\u3002Joseph\u5f00\u8bbeTFSA\u540e\u4e0d\u4e45\u4fbf\u4e70\u5165\u4e86\u8be5\u516c\u53f8\u7684\u80a1\u7968\uff0c\u8be5\u516c\u53f8\u4e8e2019\u5e74\u88ab\u6469\u6839\u58eb\u4e39\u5229\uff08Morgan Stanley\uff09\u4ee5\u4ed6\u4e70\u5165\u4ef7\u768410\u500d\u6536\u8d2d\u3002<\/li>\n<li>Cervus Equipment\uff1a\u4e00\u5bb6\u519c\u4e1a\u8bbe\u5907\u7ecf\u9500\u5546\u3002Joseph\u4e8e2018\u5e74\u4e70\u5165\uff0c\u540e\u6765\u8be5\u516c\u53f8\u88ab\u7ba1\u7406\u5c42\u4ee5\u7ea63\u500d\u4e8e\u4ed6\u4e70\u5165\u4ef7\u7684\u4ef7\u683c\u79c1\u6709\u5316\uff0c\u5e76\u4e8e2021\u5e74\u51fa\u552e\u7ed9Brandt Tractor\u3002<\/li>\n<li>Currency Exchange International\uff1a\u5317\u7f8e\u65c5\u6e38\u5916\u5e01\u5151\u6362\u670d\u52a1\u5546\u3002Joseph\u5728\u75ab\u60c5\u671f\u95f4\u4f4e\u4ef7\u4e70\u5165\uff0c\u65c5\u6e38\u4e1a\u590d\u82cf\u65f6\u80a1\u4ef7\u7ffb\u500d\u3002<\/li>\n<li>McCoy Global\uff1a\u6cb9\u6c14\u4e95\u5efa\u9020\u5de5\u5177\u4f9b\u5e94\u5546\u3002\u51e0\u5e74\u524d\uff0cJoseph\u4ee5\u5176\u51c0\u8fd0\u8425\u8d44\u672c\u7684\u4ef7\u683c\u4e70\u5165\uff0c\u968f\u7740\u80fd\u6e90\u590d\u82cf\uff0c\u80a1\u4ef7\u63a5\u8fd1\u7ffb4\u500d\uff0c\u516c\u53f8\u6b63\u5f00\u53d1\u65b0\u6280\u672f\u4ea7\u54c1\u3002<\/li>\n<li>Magellan 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