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\u8fc7\u53bb\u51e0\u5e74\uff0c\u62c5\u4fdd\u8bc1\uff08GIC\uff09\u5f3a\u52bf\u56de\u5f52\uff0c\u51ed\u501f\u7a33\u5b9a\u3001\u53ef\u9884\u6d4b\u3001\u4e14\u51e0\u4e4e\u65e0\u98ce\u9669\u7684\u56de\u62a5\uff0c\u91cd\u65b0\u53d7\u5230\u6295\u8d44\u8005\u9752\u7750\u3002\u4f46\u662f\u968f\u7740\u53d8\u5316\u3001\u901a\u80c0\u95ee\u9898\u4ecd\u672a\u5b8c\u5168\u6d88\u9000\uff0c\u4e00\u4e9b\u6295\u8d44\u8005\u5f00\u59cb\u91cd\u65b0\u601d\u8003\uff1a\u628a\u94b1\u9501\u5728GIC\u91cc\uff0c\u662f\u5426\u8fd8\u5212\u7b97\uff1f<\/p>\n

\u5bf9\u90e8\u5206\u4eba\u6765\u8bf4\uff0cGIC\u4ecd\u7136\u662f\u4fdd\u62a4\u50a8\u84c4\u7684\u53ef\u9760\u5de5\u5177\uff1b\u4f46\u5bf9\u53e6\u4e00\u4e9b\u4eba\u800c\u8a00\uff0c\u673a\u4f1a\u6210\u672c\u6b63\u53d8\u5f97\u8d8a\u6765\u8d8a\u660e\u663e\u3002\u4e0b\u9762\u662fCTV\u4e13\u680f\u4f5c\u8005Christopher Liew\u68b3\u7406\u7684GIC\u4f18\u7f3a\u70b9\uff0c\u4ee5\u53ca\u4e00\u4e9b\u6295\u8d44\u8005\u6b63\u5728\u8f6c\u5411\u7684\u66ff\u4ee3\u9009\u62e9\u3002<\/p>\n

\n<\/figure>\n
\n<\/figure>\n

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\u5bf9\u4e8e\u98ce\u9669\u504f\u597d\u8f83\u4f4e\u7684\u6295\u8d44\u8005\uff0c\u6216\u4e3a\u77ed\u671f\u76ee\u6807\u50a8\u84c4\u7684\u4eba\u6765\u8bf4\uff0c\u8fd9\u79cd\u201c\u6709\u4fdd\u969c\u201d\u7684\u611f\u89c9\u975e\u5e38\u5b89\u5fc3\u3002<\/p>\n

GIC\u7684\u4e3b\u8981\u7f3a\u70b9\u4e4b\u4e00\u662f\uff1a\u6709\u56fa\u5b9a\u671f\u9650\uff0c\u901a\u5e38\u57281\u5e74\u81f310\u5e74\u4e4b\u95f4\u3002\u6295\u8d44\u8005\u5fc5\u987b\u5c06\u8d44\u91d1\u9501\u5b9a\u5230\u671f\uff0c\u671f\u6ee1\u540e\u624d\u80fd\u53d6\u56de\u672c\u91d1\u548c\u5229\u606f\u3002\u5982\u679c\u9047\u5230\u7d27\u6025\u60c5\u51b5\u9700\u8981\u63d0\u524d\u52a8\u7528\u8d44\u91d1\uff0c\u901a\u5e38\u4f1a\u9762\u4e34\u63d0\u524d\u652f\u53d6\u7f5a\u91d1\u3002<\/p>\n

GIC\u7684\u5229\u7387\u901a\u5e38\u968f\u7740\u592e\u884c\u5229\u7387\u6ce2\u52a8\u3002\u8fc7\u53bb\u51e0\u5e74\uff0c\u7531\u4e8e\u52a0\u62ff\u5927\u592e\u884c\u7ef4\u6301\u8f83\u9ad8\u5229\u7387\uff0c\u77ed\u671fGIC\u5229\u7387\u5927\u5e45\u4e0a\u5347\uff0c\u5438\u5f15\u4e86\u4e0d\u5c11\u5e0c\u671b\u5728\u5e02\u573a\u6ce2\u52a8\u4e2d\u83b7\u5f97\u7a33\u5b9a\u6536\u76ca\u7684\u50a8\u84c4\u8005\u3002<\/p>\n

\u4f46\u8fd1\u671f\uff0c\u5229\u7387\u5f00\u59cb\u7f13\u6162\u4e0b\u964d\u3002\u592e\u884c\u572810\u6708\u4e0b\u65ec\u521a\u521a\u5ba3\u5e03\u5c06\u5229\u7387\u964d\u81f32.25%\u3002\u8fd9\u610f\u5473\u7740\uff0cGIC\uff0c\u5c24\u5176\u662f\u77ed\u671fGIC\u7684\u6536\u76ca\u7387\uff0c\u5df2\u4e0d\u5982\u9ad8\u5229\u7387\u65f6\u671f\u90a3\u4e48\u5438\u5f15\u4eba\u3002<\/p>\n

\u4e00\u822c\u6765\u8bf4\uff0c\u671f\u9650\u8d8a\u957f\u7684GIC\uff0c\u56de\u62a5\u8d8a\u9ad8\uff1b\u671f\u9650\u8d8a\u77ed\uff0c\u6536\u76ca\u8d8a\u4f4e\u3002\u4f46\u968f\u7740\u5229\u7387\u4e0b\u884c\uff0c\u5373\u4fbf\u662f\u957f\u671fGIC\uff0c\u4e5f\u65e0\u6cd5\u63d0\u4f9b\u8fc7\u53bb\u51e0\u5e74\u90a3\u6837\u7684\u56de\u62a5\uff0c\u8fd9\u5c31\u5e26\u6765\u4e86\u6f5c\u5728\u7684\u673a\u4f1a\u6210\u672c\u95ee\u9898\u3002<\/p>\n

\u7b80\u5355\u6765\u8bf4\uff0c\u6295\u8d44\u8005\u5f00\u59cb\u8d28\u7591\uff1a\u5982\u679c\u628a\u94b1\u6295\u5411\u5176\u4ed6\u5730\u65b9\uff0c\u5728\u540c\u6837\u7684\u65f6\u95f4\u91cc\uff0c\u662f\u5426\u80fd\u83b7\u5f97\u66f4\u9ad8\u56de\u62a5\uff1f<\/p>\n

\n<\/figure>\n

\u4ece\u5b89\u5168\u6027\u548c\u7a33\u5b9a\u6027\u6765\u770b\uff0cGIC\u51e0\u4e4e\u65e0\u53ef\u5339\u654c\uff0c\u6bd5\u7adf\u201c\u62c5\u4fdd\uff08Guaranteed\uff09\u201d\u5c31\u5199\u5728\u4ea7\u54c1\u540d\u79f0\u91cc\u3002\u5373\u4f7f\u53d1\u884cGIC\u7684\u94f6\u884c\u5012\u95ed\uff0c10\u4e07\u52a0\u5143\u4ee5\u5185\u7684GIC\u6295\u8d44\u4ecd\u7531CDIC\u627f\u4fdd\u3002<\/p>\n

\u4f46\u5728GIC\u56de\u62a5\u4e0b\u964d\u7684\u80cc\u666f\u4e0b\uff0c\u4e00\u4e9b\u6295\u8d44\u8005\u4ee5\u53ca\u4ee5\u50a8\u84c4\u4e3a\u76ee\u7684\u7684\u88ab\u52a8\u6295\u8d44\u8005\u5f00\u59cb\u8f6c\u5411\u4ee5\u4e0b\u66ff\u4ee3\u9009\u62e9\uff1a<\/p>\n

1. \u9ad8\u606f\u50a8\u84c4\u8d26\u6237\uff08HISA\uff09<\/strong><\/p>\n

\u9ad8\u606f\u50a8\u84c4\u8d26\u6237\u5df2\u6210\u4e3a\u8bb8\u591a\u4eba\u4e0d\u613f\u201c\u9501\u94b1\u201d\u7684\u9996\u9009\u3002\u8bb8\u591a\u7f51\u7edc\u94f6\u884c\u63d0\u4f9b\u7684\u5229\u7387\uff0c\u751a\u81f3\u8d85\u8fc7\u90e8\u5206\u77ed\u671fGIC\uff0c\u540c\u65f6\u8fd8\u80fd\u968f\u65f6\u53d6\u7528\u8d44\u91d1\u3002<\/p>\n

HISA\u975e\u5e38\u9002\u5408\u5e94\u6025\u50a8\u5907\u91d1\u3001\u77ed\u671f\u50a8\u84c4\uff0c\u6216\u5e0c\u671b\u5728\u4f4e\u98ce\u9669\u4e0b\u4fdd\u6301\u6d41\u52a8\u6027\u7684\u4eba\u3002<\/p>\n

\u4f46\u7f3a\u70b9\u662f\uff1a\u5229\u7387\u5e76\u975e\u9501\u5b9a\uff0c\u94f6\u884c\u53ef\u968f\u5e02\u573a\u53d8\u5316\u968f\u65f6\u4e0b\u8c03\uff1b\u90e8\u5206\u673a\u6784\u8fd8\u4f9d\u8d56\u4fc3\u9500\u5229\u7387\uff0c\u51e0\u4e2a\u6708\u540e\u5c31\u4f1a\u56de\u843d\u3002\u56e0\u6b64\uff0cHISA\u867d\u7136\u6bd4GIC\u7075\u6d3b\uff0c\u4f46\u7f3a\u4e4f\u201c\u4fdd\u8bc1\u6536\u76ca\u201d\u7684\u786e\u5b9a\u6027\u3002<\/p>\n

2. \u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff08Money Market Funds\uff09<\/strong><\/p>\n

\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\u4e3b\u8981\u6295\u8d44\u4e8e\u77ed\u671f\u3001\u9ad8\u8d28\u91cf\u7684\u91d1\u878d\u5de5\u5177\uff0c\u5982\u56fd\u5e93\u5238\u3001\u5546\u4e1a\u7968\u636e\u7b49\uff0c\u76ee\u6807\u662f\u5728\u4fdd\u6301\u672c\u91d1\u5b89\u5168\u7684\u540c\u65f6\uff0c\u63d0\u4f9b\u968f\u5229\u7387\u53d8\u52a8\u7684\u6536\u76ca\u3002<\/p>\n

\u5b83\u4eec\u4e0d\u53d7CDIC\u4fdd\u9669\u4fdd\u62a4\uff0c\u4f46\u5e95\u5c42\u8d44\u4ea7\u98ce\u9669\u8f83\u4f4e\uff0c\u6ce2\u52a8\u6027\u901a\u5e38\u8fdc\u5c0f\u4e8e\u503a\u5238\u57fa\u91d1\u6216\u80a1\u7968\u3002<\/p>\n

\u8fd9\u7c7b\u4ea7\u54c1\u9002\u5408\u77ed\u671f\u5b58\u653e\u73b0\u91d1\uff0c\u6216\u5e0c\u671b\u83b7\u5f97\u7a33\u5b9a\u6536\u76ca\u5e76\u4fdd\u6301\u9ad8\u5ea6\u6d41\u52a8\u6027\u7684\u6295\u8d44\u8005\u3002<\/p>\n

\u7f3a\u70b9\u5728\u4e8e\uff1a\u56de\u62a5\u4e0d\u4fdd\u8bc1\uff0c\u53ef\u80fd\u968f\u5e02\u573a\u6ce2\u52a8\uff1b\u7ba1\u7406\u8d39\u7528\u4e5f\u53ef\u80fd\u4fb5\u8680\u6536\u76ca\u3002\u5728\u5e02\u573a\u538b\u529b\u8f83\u5927\u65f6\uff0c\u57fa\u91d1\u51c0\u503c\u4e5f\u53ef\u80fd\u4e0b\u8dcc\u3002\u5b83\u4eec\u6bd4GIC\u7075\u6d3b\uff0c\u4f46\u5728\u786e\u5b9a\u6027\u548c\u4fdd\u9669\u4fdd\u969c\u65b9\u9762\u4e0d\u53caGIC\u3002<\/p>\n

3. \u9ad8\u606f\u50a8\u84c4ETF\uff08\u73b0\u91d1\u7c7bETF\uff09<\/strong><\/p>\n

\u9ad8\u606f\u50a8\u84c4ETF\u5c06\u5927\u91cf\u73b0\u91d1\u5206\u6563\u5b58\u653e\u5728\u591a\u5bb6\u52a0\u62ff\u5927\u94f6\u884c\uff0c\u5e76\u628a\u5229\u606f\u56de\u9988\u7ed9\u6295\u8d44\u8005\u3002\u5176\u6536\u76ca\u7387\u5f80\u5f80\u4e0e\u751a\u81f3\u9ad8\u4e8e\u7f51\u7edcHISA\uff0c\u4e14\u53ef\u901a\u8fc7\u4efb\u4f55\u5238\u5546\u4e70\u5356\uff0c\u56e0\u6b64\u6210\u4e3a TFSA\u3001RRSP\u6216\u975e\u6ce8\u518c\u8d26\u6237 \u4e2d\u5e38\u89c1\u7684\u201c\u505c\u6cca\u8d44\u91d1\u201d\u5de5\u5177\u3002<\/p>\n

\u4e0e\u4f20\u7edf\u9ad8\u606f\u50a8\u84c4\u8d26\u6237\u6216GIC\u4e0d\u540c\uff0c\u8fd9\u7c7bETF\u4e0d\u53d7CDIC\u4fdd\u9669\u4fdd\u62a4\uff0c\u5355\u4f4d\u4ef7\u683c\u4e5f\u53ef\u80fd\u5c0f\u5e45\u6ce2\u52a8\u3002\u6b64\u5916\uff0c\u50cf\u666e\u901aETF\u4e00\u6837\uff0c\u5356\u51fa\u540e\u9700\u8981 \u4e00\u4e24\u5929\u7ed3\u7b97\uff0c\u5e76\u975e\u5373\u65f6\u5230\u8d26\u3002\u5bf9\u80fd\u63a5\u53d7\u8fd9\u4e9b\u53d6\u820d\u7684\u6295\u8d44\u8005\u6765\u8bf4\uff0c\u5b83\u4eec\u517c\u5177\u6d41\u52a8\u6027\u548c\u8f83\u5177\u7ade\u4e89\u529b\u7684\u56de\u62a5\u3002<\/p>\n

\u5c55\u671b2026\u5e74\uff0cGIC\u8fd8\u503c\u5f97\u4e70\u5417\uff1f<\/strong><\/p>\n

GIC\u5e76\u4e0d\u4f1a\u4ece\u6295\u8d44\u7ec4\u5408\u4e2d\u6d88\u5931\uff0c\u4f46\u5b83\u4eec\u5df2\u4e0d\u518d\u50cf\u8fc7\u53bb\u4e24\u5e74\u52a0\u606f\u5468\u671f\u4e2d\u90a3\u6837\uff0c\u6210\u4e3a\u201c\u9ed8\u8ba4\u9996\u9009\u201d\u3002<\/p>\n

GIC\u662f\u5426\u4ecd\u7136\u503c\u5f97\u6295\u8d44\uff0c\u5173\u952e\u53d6\u51b3\u4e8e\u4f60\u7684\u4e2a\u4eba\u76ee\u6807\u3001\u8d44\u91d1\u4f7f\u7528\u671f\u9650\uff0c\u4ee5\u53ca\u98ce\u9669\u627f\u53d7\u80fd\u529b\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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