{"id":95743,"date":"2025-12-04T13:28:02","date_gmt":"2025-12-04T18:28:02","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/12\/04\/%e8%bf%99%e6%a0%b7%e6%93%8d%e4%bd%9c%e4%b8%80%e5%af%b9%e9%80%80%e4%bc%91%e5%a4%ab%e5%a6%87%e5%87%80%e8%b5%84%e4%ba%a730%e5%b9%b4%e5%86%85%e5%8f%af%e4%bb%8e175%e4%b8%87%e5%a2%9e%e8%87%b3%e9%80%be500\/"},"modified":"2025-12-04T13:28:02","modified_gmt":"2025-12-04T18:28:02","slug":"%e8%bf%99%e6%a0%b7%e6%93%8d%e4%bd%9c%e4%b8%80%e5%af%b9%e9%80%80%e4%bc%91%e5%a4%ab%e5%a6%87%e5%87%80%e8%b5%84%e4%ba%a730%e5%b9%b4%e5%86%85%e5%8f%af%e4%bb%8e175%e4%b8%87%e5%a2%9e%e8%87%b3%e9%80%be500","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/95743","title":{"rendered":"\u8fd9\u6837\u64cd\u4f5c\u4e00\u5bf9\u9000\u4f11\u592b\u5987\u51c0\u8d44\u4ea730\u5e74\u5185\u53ef\u4ece175\u4e07\u589e\u81f3\u903e500\u4e07\u5143"},"content":{"rendered":"

\u53ea\u8981\u65b9\u5f0f\u6b63\u786e\uff0c\u4e13\u5bb6\u8bf4\u5b89\u7701\u5317\u90e8\u4e00\u5bf9\u9000\u4f11\u592b\u5987\u7684\u51c0\u8d44\u4ea730\u5e74\u5185\u53ef\u4ece175\u4e07\u589e\u81f3\u903e500\u4e07\u5143\u3002<\/p>\n

\u6765\u81ea\u5b89\u7701\u5317\u90e8\u7684Lars\uff0863\u5c81\uff09\u548cAnna\uff0859\u5c81\uff09\u5206\u522b\u4e8e2021\u5e74\u53ca2022\u5e74\u9000\u4f11\u3002\u81ea\u90a3\u4ee5\u540e\uff0c\u4ed6\u4eec\u751f\u6d3b\u8212\u9002\uff0c\u4f46\u5e0c\u671b\u786e\u4fdd\u4ed6\u4eec\u7684\u6295\u8d44\u7ec4\u5408\u80fd\u591f\u5728\u4ed6\u4eec\u4e00\u751f\u4e2d\u6ee1\u8db3\u9700\u6c42\uff0c\u5e76\u4e3a\u56db\u4e2a\u6210\u5e74\u5b50\u5973\u7559\u4e0b\u9057\u4ea7\u3002<\/p>\n

\n<\/figure>\n

\u8fd9\u662f\u4e24\u4eba\u7684\u7b2c\u4e8c\u6bb5\u5a5a\u59fb\uff0c\u4ed6\u4eec\u65e0\u503a\u52a1\uff0c\u5e76\u62e5\u6709\u4e00\u5957\u4ef7\u503c$40\u4e07\u7684\u623f\u5c4b\u3002<\/p>\n

Anna\u7684\u6536\u5165\u4e3b\u8981\u6765\u81ea\u4e00\u4efd\u4e0e\u901a\u80c0\u6302\u94a9\u7684\u96c7\u4e3b\u517b\u8001\u91d1\uff08\u7a0e\u540e\u6bcf\u5e74$45,600\uff09\u4ee5\u53ca\u6bcf\u5e74$8,000\u7684\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u63d0\u53d6\u3002\u6309\u6b64\u6c34\u5e73\u63d0\u53d6\uff0c\u5979\u7684RRSP\u5c06\u5728\u597965\u5c81\u90a3\u5e74\u7528\u5c3d\uff0c\u5c4a\u65f6\u5979\u8ba1\u5212\u9886\u53d6\u52a0\u62ff\u5927\u517b\u8001\u91d1\u8ba1\u5212\uff08CPP\uff09\u548c\u8001\u4eba\u4fdd\u969c\uff08OAS\uff09\u798f\u5229\u3002Anna\u8fd8\u62e5\u6709\u7ea6$95,000\u7684\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\uff0c\u6295\u8d44\u4e8e\u4fdd\u672c\u6295\u8d44\u8bc1\uff08GICs\uff09\uff0c\u4ee5\u53ca$20,000\u7684\u73b0\u91d1\u50a8\u84c4\u3002<\/p>\n

Lars\u7684\u6536\u5165\u5b8c\u5168\u6765\u81ea\u81ea\u5df1\u7684\u50a8\u84c4\uff0c\u4e24\u4eba\u5e0c\u671b\u786e\u4fddLars\u7684\u6295\u8d44\u80fd\u591f\u4ee5\u6700\u8282\u7a0e\u7684\u65b9\u5f0f\u6bcf\u5e74\u4ea7\u751f$50,000\u7684\u6536\u5165\u3002<\/p>\n

Lars\u7684\u6295\u8d44\u7ec4\u5408\u4ef7\u503c\u7ea6$120\u4e07\u5143\uff0c\u5176\u4e2d\u5305\u62ec\u903e$111,000\u7684\u975e\u6ce8\u518c\u81ea\u4e3b\u7ba1\u7406\u8d26\u6237\u548c\u4ef7\u503c$400,000\u3001\u5229\u73873.25%\u7684GICs\u3002\u4ed6\u62e5\u6709\u7ea6$575,000\u7684RRSP\uff0c\u6295\u8d44\u4e8e\u80a1\u7968\uff08$225,000\uff09\u548cGICs\uff08$350,000\uff0c\u5229\u73873.5%\uff09\uff0c\u4ee5\u53ca$121,000\u7684TFSA\uff0c\u6295\u8d44\u4e8e\u80a1\u7968\uff08$68,000\uff09\u548cGICs\uff08$53,000\uff0c\u5229\u73873.5%\uff09\u3002\u6240\u6709GICs\u5c06\u4e8e2026\u5e746\u6708\u5230\u671f\u3002Lars\u4e3b\u8981\u6295\u8d44\u4e8e\u5404\u884c\u4e1a\u7684\u6d3e\u606f\u80a1\u7968\uff08\u94f6\u884c\u3001\u80fd\u6e90\u3001\u6c7d\u8f66\u96f6\u4ef6\u3001\u96f6\u552e\u3001\u516c\u7528\u4e8b\u4e1a\u3001\u901a\u8baf\uff09\uff0c\u552f\u72ec\u4e0d\u5305\u62ec\u79d1\u6280\u7c7b\u3002<\/p>\n

Lars\u6bcf\u5e74\u4eceRRSP\u63d0\u53d6$25,000\uff0c\u53e6\u6709$5,000\u7684\u80a1\u606f\uff0c\u4ee5\u53ca\u7ea6$20,000\u7684GIC\u5229\u606f\u3002\u4ed6\u95ee\uff1a\u201c\u6211\u662f\u5426\u5e94\u8be5\u4eceRRSP\u63d0\u53d6\u66f4\u591a\uff1f\u5230\u76ee\u524d\u4e3a\u6b62\uff0c\u6211\u53ea\u63d0\u53d6\u6211\u9700\u8981\u7684\u90e8\u5206\u3002\u6211\u7684\u91cd\u70b9\u662f\u5c06\u6536\u5165\u4fdd\u6301\u5728\u6bcf\u5e74$50,000\u6216\u4ee5\u4e0b\uff0c\u4ee5\u5c3d\u91cf\u51cf\u5c11\u6240\u5f97\u7a0e\u3002\u201d<\/p>\n

\n<\/figure>\n

\u4ed6\u8ba1\u5212\u572865\u5c81\u65f6\u5c06\u5269\u4f59\u7684RRSP\u8f6c\u6362\u4e3a\u9000\u4f11\u6536\u5165\u57fa\u91d1\uff08RRIF\uff09\uff0c\u4ee5\u5229\u7528\u8054\u90a6\u517b\u8001\u91d1\u6536\u5165\u7a0e\u6536\u62b5\u514d\u3002\u4ed6\u95ee\uff0c\u8fd9\u662f\u5426\u662f\u4e2a\u597d\u4e3b\u610f\uff1f<\/p>\n

Lars\u8fd8\u8ba1\u5212\u628aCPP\u548cOAS\u5ef6\u8fdf\u523068\u5c81\u9886\u53d6\uff0c\u4ee5\u6700\u5927\u5316\u91d1\u989d\u3002\u5c4a\u65f6\uff0c\u4ed6\u9884\u8ba1\u6bcf\u6708\u53ef\u9886\u53d6$1,284\u7684CPP\u548c\u7ea6$900\u7684OAS\u3002<\/p>\n

\u4ed6\u95ee\uff1a\u201c\u6211\u6bcf\u5e74\u8be5\u63d0\u53d6\u591a\u5c11\u5229\u606f\u3001\u80a1\u606f\u548c\u8d44\u672c\u589e\u503c\u6536\u5165\uff1f\u6211\u4eceRRSP\u7684\u63d0\u53d6\u91cf\u662f\u5426\u5408\u9002\uff1f\u6211\u7684\u6295\u8d44\u80fd\u5426\u63d0\u4f9b\u6211\u4eca\u540e\u9700\u8981\u7684\u6536\u5165\uff1f\u201d<\/p>\n

\u4ed6\u8868\u793a\uff1a\u201c\u6211\u8ba4\u4e3a\uff0c\u4e3a\u4e86\u8ba9\u6295\u8d44\u7ec4\u5408\u589e\u957f\u5e76\u7ef4\u6301\u4e0b\u53bb\uff0c\u6211\u5e94\u628a\u66f4\u591a\u8d44\u91d1\u653e\u5728\u5747\u8861\u578b\u5171\u540c\u57fa\u91d1\u4e2d\uff0c\u56e0\u4e3a\u6211\u5bf9\u98ce\u9669\u7684\u627f\u53d7\u80fd\u529b\u66f4\u9ad8\u3002\u7136\u800c\uff0c\u5728\u5e02\u573a\u5904\u4e8e\u5386\u53f2\u9ad8\u4f4d\u3001\u7f8e\u56fd\u7ecf\u6d4e\u4e0d\u786e\u5b9a\u6027\u52a0\u5267\u7684\u60c5\u51b5\u4e0b\uff0c\u6211\u89c9\u5f97\u73b0\u5728\u662f\u5f97\u4e0d\u507f\u5931\u3002\u201d<\/p>\n

\n<\/figure>\n

\u6765\u81ea\u6e25\u592a\u534eExponent Investment Management\u7684\u9000\u4f11\u89c4\u5212\u5e08Eliott Einarson\u8bf4\uff0c\u201cLars\u548cAnna\u7684\u8d22\u52a1\u72b6\u51b5\u6bd4\u4ed6\u4eec\u610f\u8bc6\u5230\u7684\u66f4\u5f3a\u52b2\u3002\u76ee\u524d\u7f3a\u5c11\u7684\u662f\u4e00\u4e2a\u9000\u4f11\u6536\u5165\u8ba1\u5212\uff0c\u5c55\u793a\u672a\u6765\u6765\u81ea\u5404\u7c7b\u6536\u5165\u5982\u4f55\u5728\u6574\u4e2a\u9000\u4f11\u751f\u6daf\u4e2d\u7ef4\u6301\u4ed6\u4eec\u7684\u8212\u9002\u751f\u6d3b\u201d\u3002<\/p>\n

\u4ed6\u8868\u793a\uff0cLars\u548cAnna\u62e5\u6709\u8db3\u591f\u7684\u8d44\u4ea7\uff0c\u53ef\u4ee5\u4e0e\u72ec\u7acb\u8d22\u52a1\u89c4\u5212\u5e08\u53ca\u8d22\u5bcc\u7ba1\u7406\u4eba\u5408\u4f5c\u2014\u2014\u540e\u8005\u5bf9\u5ba2\u6237\u8d1f\u6709\u53d7\u6258\u8d23\u4efb\u5e76\u6536\u53d6\u900f\u660e\u8d39\u7528\uff0c\u4ee5\u5236\u5b9a\u5b9a\u5236\u7b56\u7565\u3002<\/p>\n

Einarson\u8bf4\uff0c\u201c\u4e00\u4e2a\u7531\u56fa\u5b9a\u6536\u76ca\u548c\u6d3e\u606f\u8bc1\u5238\u7ec4\u6210\u7684\u6295\u8d44\u7ec4\u5408\uff0c\u80fd\u591f\u968f\u65f6\u95f4\u4ea7\u751f\u589e\u957f\u548c\u6536\u5165\u3002\u8fd9\u79cd\u8d44\u4ea7\u7ec4\u5408\u52a0\u4e0a\u4e00\u4e9b\u7528\u4e8e\u77ed\u671f\u6536\u5165\u7684\u989d\u5916\u73b0\u91d1\uff0c\u5c06\u6709\u52a9\u4e8eLars\u66f4\u5bb9\u6613\u63a5\u53d7\u6b63\u5e38\u7684\u5e02\u573a\u6ce2\u52a8\uff0c\u56e0\u4e3a\u4ed6\u77e5\u9053\u773c\u524d\u7684\u6536\u5165\u9700\u6c42\u5df2\u88ab\u6ee1\u8db3\uff0c\u5e76\u4f1a\u901a\u8fc7\u5176\u6295\u8d44\u8d44\u4ea7\u4ea7\u751f\u7684\u5229\u606f\u548c\u80a1\u606f\u4e0d\u65ad\u8865\u5145\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u628a\u8d44\u4ea7\u5168\u90e8\u653e\u5165\u5747\u8861\u578b\u5171\u540c\u57fa\u91d1\u5e76\u4e0d\u7406\u60f3\uff0c\u56e0\u4e3a\u90a3\u4f1a\u9650\u5236\u4ed6\u7684\u6536\u5165\u9009\u62e9\uff0c\u4e14\u6295\u8d44\u7ec4\u5408\u88ab\u7ed1\u5b9a\u5728\u5355\u4e00\u5355\u4f4d\u4ef7\u683c\uff0c\u800c\u65e0\u6cd5\u5206\u522b\u7ba1\u7406\u4e2a\u522b\u8bc1\u5238\u201d\u3002<\/p>\n

\n<\/figure>\n

Einarson\u8868\u793a\uff0c\u5c06\u4ed6\u4eec\u76ee\u524d\u7684\u6295\u8d44\u5f55\u5165\u89c4\u5212\u8f6f\u4ef6\u8fdb\u884c\u521d\u6b65\u63a8\u7b97\u663e\u793a\uff0cLars\u548cAnna\u65e0\u9700\u4f9d\u9760\u6295\u8d44\u56de\u62a5\u5373\u53ef\u7ef4\u6301\u76ee\u524d\u7a0e\u540e$8,000\u7684\u6708\u6536\u5165\u6c34\u5e73\u8d2f\u7a7f\u6574\u4e2a\u9000\u4f11\u671f\u3002<\/p>\n

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\u5bf9\u4e8eLars\u6765\u8bf4\uff0c\u8fd9\u610f\u5473\u7740\u5728\u672a\u6765\u4e94\u5e74\u5185\uff0c\u4ed6\u9700\u8981\u4ece\u81ea\u5df1\u7684\u8d26\u6237\u4e2d\u63d0\u53d6\u8f83\u591a\u6536\u5165\uff0c\u76f4\u5230\u9886\u53d6\u653f\u5e9c\u798f\u5229\u3002\u4e4b\u540e\uff0c\u4ed6\u53ea\u9700\u8981\u4ece\u6ce8\u518c\u8d26\u6237\u4e2d\u63d0\u53d6\u9002\u5ea6\u6536\u5165\u3002Einarson\u8bf4\uff1a\u201c\u56e0\u6b64\uff0c\u4ed6\u53ef\u4ee5\u671f\u5f85\u8ba9\u81ea\u5df1\u7684\u975e\u6ce8\u518c\u6295\u8d44\u7ee7\u7eed\u589e\u957f\uff0c\u5305\u62ec\u592b\u59bb\u53cc\u65b9\u7684TFSA\uff0c\u5e94\u6bcf\u5e74\u8865\u6ee1\u989d\u5ea6\u3002\u201d<\/p>\n

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