{"id":4621,"date":"2022-02-08T22:08:12","date_gmt":"2022-02-08T22:08:12","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=4621"},"modified":"2023-08-29T17:52:54","modified_gmt":"2023-08-29T17:52:54","slug":"do-you-really-need-million-dollars-retire-well","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=4621","title":{"rendered":"\u4f60\u771f\u7684\u9700\u8981\u4e00\u767e\u4e07\u6fb3\u5143\u624d\u80fd\u987a\u5229\u9000\u4f11\u5417\uff1f"},"content":{"rendered":"

\u5bf9\u8bb8\u591a\u6fb3\u5927\u5229\u4e9a\u4eba\u6765\u8bf4\uff0c\u9000\u4f11\u662f\u4e00\u4ef6\u53ef\u6015\u7684\u4e8b\u60c5\uff0c\u5f88\u591a\u4eba\u90fd\u5728\u731c\u6d4b\uff0c\u9000\u4f11\u540e\uff0c\u4f60\u9700\u8981\u79ef\u6512\u4e9b\u4ec0\u4e48\u624d\u80fd\u8fc7\u4e0a\u597d\u65e5\u5b50\u3002<\/p>\n

100\u4e07\u6fb3\u5143\u8fd9\u4e2a\u6570\u5b57\u5bf9\u5f88\u591a\u4eba\u6765\u8bf4\u592a\u79bb\u8c31\u4e86\uff0c\u6709\u4e9b\u4eba\u751a\u81f3\u8bf4\u8fd9\u4e2a\u6570\u5b57\u592a\u5c11\u4e86\uff0c\u800c\u53e6\u4e00\u4e9b\u4eba\u5219\u8bf4\u8fd9\u4e2a\u6570\u5b57\u592a\u9ad8\u4e86\u3002<\/p>\n

\u5bf9\u8bb8\u591a\u4eba\u6765\u8bf4\uff0c\u8fd9\u662f\u4e00\u4e2a\u975e\u5e38\u4ee4\u4eba\u6cae\u4e27\u548c\u5f92\u52b3\u7684\u8bba\u70b9\uff0c\u7279\u522b\u662f\u5982\u679c\u4ed6\u4eec\u7684\u517b\u8001\u91d1\u5e73\u8861\u8fdc\u4f4e\u4e8e\u8fd9\u4e2a\u6570\u5b57\uff0c\u65e0\u8bba\u4ed6\u4eec\u505a\u4ec0\u4e48\u90fd\u4e0d\u53ef\u80fd\u63a5\u8fd1\u8fd9\u4e2a\u6570\u5b57\u3002<\/p>\n

\u5728\u8fd9\u4e9b\u8ba8\u8bba\u4e2d\uff0c\u7ecf\u5e38\u88ab\u5ffd\u89c6\u7684\u662f\uff0c\u6fb3\u5927\u5229\u4e9a\u6709\u4e00\u4e2a\u826f\u597d\u7684\u3001\u968f\u65f6\u53ef\u7528\u7684\u8001\u5e74\u517b\u8001\u91d1\u5236\u5ea6\uff0c\u4ee5\u5e2e\u52a9\u9000\u4f11\u4eba\u5458\u751f\u5b58\u3002<\/p>\n

\u517b\u8001\u91d1\u52a0\u517b\u8001\u91d1\u53ef\u4ee5\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u9009\u62e9<\/h2>\n

\u867d\u7136\u517b\u8001\u91d1\u672c\u8eab\u53ef\u80fd\u4e0d\u662f\u7279\u522b\u5438\u5f15\u4eba\uff0c\u5355\u8eab\u4eba\u58eb\u6bcf\u5e74\u7ea6\u4e3a25,155\u6fb3\u5143\uff0c\u592b\u59bb\u6bcf\u5e74\u4e3a37,924\u6fb3\u5143\uff0c\u4f46\u628a\u517b\u8001\u91d1\u548c\u54ea\u6015\u662f\u5c11\u91cf\u7684\u517b\u8001\u91d1\u7ed3\u5408\u8d77\u6765\uff0c\u4ecd\u7136\u53ef\u4ee5\u521b\u9020\u76f8\u5f53\u4e0d\u9519\u7684\u751f\u6d3b\u65b9\u5f0f\u3002<\/p>\n

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\u5176\u4ed6\u56e0\u7d20\uff0c\u6bd4\u5982\u4f60\u662f\u5426\u6709\u81ea\u5df1\u7684\u623f\u5b50\u6216\u652f\u4ed8\u79df\u91d1\uff0c\u4ee5\u53ca\u4f60\u6bcf\u5e74\u82b1\u591a\u5c11\u94b1\u4e5f\u4f1a\u53d1\u6325\u4f5c\u7528\u3002<\/p>\n

\u770b\u770bAustralian Prudential Regulation Authority (APRA)\u521a\u521a\u53d1\u5e03\u7684\u5b9e\u9645\u6570\u5b57\uff0c\u770b\u770b\u9000\u4f11\u50a8\u84c4\u7684\u5b9e\u9645\u60c5\u51b5\uff0c\u662f\u4e00\u4ef6\u6709\u8da3\u7684\u4e8b\u60c5\u3002<\/p>\n

APRA\u7684\u6570\u636e\u4e25\u91cd\u5411\u5bcc\u4eba\u503e\u659c<\/h2>\n

\u5173\u4e8e\u8fd9\u4e9b\u6570\u636e\uff0c\u9996\u5148\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5c11\u6570\u62e5\u6709\u5de8\u989d\u9000\u4f11\u91d1\u4f59\u989d\u7684\u975e\u5e38\u5bcc\u6709\u7684\u4eba\u6781\u5927\u5730\u626d\u66f2\u4e86\u8fd9\u4e9b\u6570\u636e\uff0c\u56e0\u6b64\uff0c\u4f9d\u9760\u5e73\u5747\u6570\u662f\u6ca1\u6709\u591a\u5927\u5e2e\u52a9\u7684\u3002<\/p>\n

\u4e8b\u5b9e\u4e0a\uff0c\u5e73\u5747\u6c34\u5e73\u4f1a\u8ba9\u5927\u591a\u6570\u6fb3\u5927\u5229\u4e9a\u4eba\u76f8\u4fe1\u4ed6\u4eec\u8fdc\u8fdc\u843d\u540e\u4e8e\u4ed6\u4eec\u9700\u8981\u8fbe\u5230\u7684\u6c34\u5e73\uff0c\u800c\u5b9e\u9645\u4e0a\u4ed6\u4eec\u6b63\u5904\u5728\u5927\u591a\u6570\u4eba\u7684\u5b9e\u9645\u6c34\u5e73\u7684\u4e2d\u95f4\u3002<\/p>\n

APRA\u7684\u6570\u636e\u663e\u793a\uff0c\u76ee\u524d\u517b\u8001\u91d1\u50a8\u84c4\u603b\u989d\u4e3a3.31\u4e07\u4ebf\u6fb3\u5143\uff0c\u5728\u622a\u81f32021\u5e746\u6708\u7684\u4e00\u5e74\u91cc\u589e\u957f\u4e8613%\u3002<\/p>\n

\u517b\u8001\u91d1\u8d26\u6237\u7684\u201c\u5e73\u5747\u201d\u6536\u5165\u589e\u957f\u4e8617%\uff0c\u8fbe\u523013.5\u4e07\u6fb3\u5143\uff0c\u4f46\u6b63\u5982\u6211\u6240\u89e3\u91ca\u7684\u90a3\u6837\uff0c\u8fd9\u4e2a\u6570\u5b57\u6bd4\u4e2d\u503c\u6216\u201c\u4e2d\u95f4\u201d\u6570\u5b57\u8981\u9ad8\u5f97\u591a\u3002<\/p>\n

\u4e3a\u4e86\u8fdb\u4e00\u6b65\u663e\u793a\u7531\u4e8e\u8d85\u5927\u578b\u517b\u8001\u91d1\u8d26\u6237\u6570\u91cf\u8f83\u5c11\u800c\u5bfc\u81f4\u7684\u6570\u636e\u504f\u5dee\uff0cAPRA\u6700\u65b0\u516c\u544a\u4e2d\u62a5\u9053\u7684\u517b\u8001\u91d1\u8d26\u6237\u4e2d\u768413.5\u4e07\u6fb3\u5143\u5305\u62ec\u4e86\u5e73\u5747\u81ea\u6211\u7ba1\u7406\u7684\u517b\u8001\u57fa\u91d1\uff0c\u5176\u4f59\u989d\u4e3a70.9\u4e07\u6fb3\u5143\u3002<\/p>\n

\u5176\u4e2d8220\u4ebf\u6fb3\u5143\u7528\u4e8e\u81ea\u8425\u517b\u8001\u91d1\uff08SMSFs\uff09\uff0c\u5360\u517b\u8001\u91d1\u50a8\u84c4\u603b\u989d\u768424.8%\uff0c\u8fd9\u786e\u5b9e\u6539\u53d8\u4e86\u6570\u636e\u3002<\/p>\n

\u771f\u6b63\u7684\u5e73\u5747\u517b\u8001\u91d1\u4f59\u989d\u63a5\u8fd19.2\u4e07\u6fb3\u5143<\/h2>\n

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\u4f60\u53ef\u4ee5\u7a0d\u5fae\u770b\u5230\u8fd9\u4e00\u70b9\uff0c\u56e0\u4e3a\u201c\u5e73\u5747\u201d\u4eba\u5728\u4e34\u8fd1\u9000\u4f11\u65f6\u5927\u7ea6\u6709218,000\u6fb3\u5143(\u7537\u5973\u4e4b\u95f4\u7684\u5e73\u5747\u503c)\uff0c\u800c\u201c\u5e73\u5747\u201d\u4eba\u5728\u5f00\u59cb\u5206\u914d\u517b\u8001\u91d1\u65f6\u6709321,914\u6fb3\u5143\u7684\u4f59\u989d\u3002<\/p>\n

\u8fd9\u4e00\u6570\u989d\u4e4b\u6240\u4ee5\u4e0a\u5347\uff0c\u662f\u56e0\u4e3a\u8bb8\u591a\u8f83\u5c0f\u7684\u4f59\u989d\u5b8c\u5168\u6d88\u5931\u4e86\uff0c\u5b8c\u5168\u4ece\u517b\u8001\u91d1\u4f53\u7cfb\u4e2d\u6d88\u5931\u4e86\u3002<\/p>\n

\u5373\u4f7f\u4fdd\u7559\u5c11\u91cf\u7684\u517b\u8001\u91d1\u4f59\u989d\u4e5f\u662f\u4e00\u4e2a\u597d\u4e3b\u610f<\/h2>\n

\u8bb8\u591a\u8d22\u52a1\u987e\u95ee\u8ba4\u4e3a\u8fd9\u79cd\u201c\u5957\u73b0\u201d\u7684\u65b9\u6cd5\u662f\u4e00\u4e2a\u5f88\u5927\u7684\u9519\u8bef\uff0c\u56e0\u4e3a\u5373\u4f7f\u662f\u4e00\u4e2a\u975e\u5e38\u5c0f\u7684\u517b\u8001\u91d1\u4f59\u989d\uff0c\u4e5f\u53ef\u4ee5\u8865\u5145\u51e0\u5341\u5e74\u7684\u5e74\u9f84\u517b\u8001\u91d1\u548c\u63d0\u9ad8\u751f\u6d3b\u6c34\u5e73\uff0c\u8fd9\u662f\u4e00\u4e2a\u6bd4\u5728\u9000\u4f11\u540e\u6325\u970d\u66f4\u597d\u7684\u60c5\u51b5\u3002<\/p>\n

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\u4f60\u201c\u9700\u8981\u201d\u7684\u5f80\u5f80\u6bd4\u4f60\u201c\u62e5\u6709\u201d\u7684\u8981\u5c11\u3002<\/h2>\n

\u5e73\u5747\u6570\u636e\u8868\u660e\uff0c\u6fb3\u5927\u5229\u4e9a\u517b\u8001\u57fa\u91d1\u534f\u4f1a(Association of Superannuation Funds of Australia\uff1bASFA)\u6240\u8981\u6c42\u7684\u9000\u4f11\u6240\u9700\u8d44\u91d1\u4e0e\u4eba\u4eec\u5b9e\u9645\u62e5\u6709\u7684\u8d44\u91d1\u4e4b\u95f4\u5b58\u5728\u7740\u76f8\u5f53\u5927\u7684\u5dee\u8ddd\u3002<\/p>\n

ASFA\u79f0\uff0c\u5bf9\u4e8e\u5355\u8eab\u4eba\u58eb\u6765\u8bf4\uff0c\u9009\u62e9\u9886\u53d6\u5206\u914d\u517b\u8001\u91d1\u7684\u4eba\u5e73\u5747\u6709321,914\u6fb3\u5143\u7684\u517b\u8001\u91d1\u50a8\u84c4\uff0c\u6bcf\u5e74\u5e73\u5747\u63d0\u53d619,963\u6fb3\u5143\u7684\u4f59\u989d\u3002<\/p>\n

\u8fd9\u76f8\u5f53\u4e8e\u4ed6\u4eec\u5b58\u6b3e\u4f59\u989d\u76845.9%\uff0c\u9ad8\u4e8e\u89c4\u5b9a\u7684\u6700\u4f4e\u63d0\u6b3e\u9650\u989d\u3002<\/p>\n

ASFA\u8ba1\u7b97\u51fa\uff0c\u4e00\u4e2a\u5355\u8eab\u4eba\u58eb\u5b9e\u9645\u4e0a\u9700\u898154.5\u4e07\u6fb3\u5143\u624d\u80fd\u8212\u9002\u5730\u9000\u4f11\uff0c\u6bcf\u5e74\u63d0\u53d6\u5927\u7ea645239\u6fb3\u5143\u6765\u652f\u6301\u4ed6\u4eec\u7684\u751f\u6d3b\u65b9\u5f0f\u2014\u2014\u8fd9\u4e5f\u8fdc\u8fdc\u9ad8\u4e8e\u5f3a\u5236\u89c4\u5b9a\u7684\u6700\u4f4e\u8981\u6c42\u3002<\/p>\n

\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5728\u8fd9\u4e24\u4e2a\u4f8b\u5b50\u4e2d\uff0c\u57fa\u91d1\u7684\u8d44\u91d1\u53ef\u80fd\u4f1a\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u800c\u88ab\u4fb5\u8680\uff0c\u8fd9\u4e5f\u662f\u5728\u8ba8\u8bba100\u4e07\u7684\u6700\u4f4e\u9650\u989d\u65f6\u901a\u5e38\u4e0d\u5e0c\u671b\u770b\u5230\u7684\u60c5\u51b5\u3002<\/p>\n

\u5c06\u517b\u8001\u91d1\u4e0e\u9000\u4f11\u91d1\u7ed3\u5408\u8d77\u6765\uff0c\u53ef\u4ee5\u53d1\u6325\u5de8\u5927\u4f5c\u7528<\/h2>\n

\u5982\u524d\u6240\u8ff0,\u9002\u5ea6\u7684\u517b\u8001\u91d1\u5e73\u8861\u751a\u81f3\u53ef\u4ee5\u63d0\u4f9b\u4e00\u4e2a\u91cd\u8981\u7684\u63a8\u52a8\u9000\u4f11\u751f\u6d3b\u6c34\u5e73\u4e0e\u5e74\u9f84\u76f8\u7ed3\u5408\u7684\u517b\u8001\u91d1\u2014\u2014\u660e\u663e\u7684\u8b66\u544a\u662f,\u4f60\u9700\u8981\u751f\u5b58\u4e4b\u95f4\u9000\u4f11(\u81ea\u613f\u7684)\u5f53\u517b\u8001\u91d1,\u76ee\u524d66\u548c\u7f13\u6162\u4e0a\u5347\u3002<\/p>\n

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