{"id":6819,"date":"2023-05-16T23:45:17","date_gmt":"2023-05-16T23:45:17","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=6819"},"modified":"2023-08-29T17:57:55","modified_gmt":"2023-08-29T17:57:55","slug":"how-to-boost-retirement-confidence-at-any-age","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=6819","title":{"rendered":"\u5982\u4f55\u5728\u4efb\u4f55\u5e74\u9f84\u6bb5\u589e\u5f3a\u9000\u4f11\u4fe1\u5fc3"},"content":{"rendered":"

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\u8ba1\u5212\u7684\u91cd\u8981\u6027<\/h2>\n

Vanguard\u6fb3\u5927\u5229\u4e9a\u516c\u53f8\u603b\u7ecf\u7406Daniel Shrimski\u8bf4\uff0c\u8fd9\u9879\u8c03\u67e5\u663e\u793a\u4e86\u5236\u5b9a\u8ba1\u5212\u7684\u91cd\u8981\u6027\uff0c\u4ee5\u4fbf\u6709\u507f\u5de5\u4f5c\u7684\u6682\u505c\u4e0d\u4f1a\u59a8\u788d\u4e3a\u9000\u4f11\u50a8\u84c4\u7684\u80fd\u529b\u3002<\/p>\n

“Shrimski\u5148\u751f\u8bf4\uff1a”\u8fd9\u9879\u7814\u7a76\u8fd8\u63d0\u4f9b\u4e86\u8bc1\u636e\uff0c\u8868\u660e\u6fb3\u5927\u5229\u4e9a\u4eba\u5728\u6d89\u53ca\u5230\u517b\u8001\u91d1\u65f6\u8868\u73b0\u51fa\u8f83\u4f4e\u7684\u53c2\u4e0e\u5ea6\u548c\u7406\u89e3\u529b\uff0c\u4e00\u534a\u4eba\u4e0d\u77e5\u9053\u4ed6\u4eec\u652f\u4ed8\u4e86\u591a\u5c11\u5e74\u8d39\uff0c\u56db\u5206\u4e4b\u4e00\u4eba\u4e0d\u77e5\u9053\u4ed6\u4eec\u76ee\u524d\u7684\u517b\u8001\u91d1\u4f59\u989d\u662f\u591a\u5c11\u3002<\/p>\n

“\u56e0\u6b64\uff0c\u6574\u4e2a\u517b\u8001\u91d1\u884c\u4e1a\u5b58\u5728\u7740\u4e00\u4e2a\u673a\u4f1a\uff0c\u4e5f\u8bb8\u662f\u4e00\u4e2a\u9700\u8981\uff0c\u4ee5\u6539\u5584\u4f1a\u5458\u7684\u53c2\u4e0e\uff0c\u7b80\u5316\u6536\u8d39\u7ed3\u6784\uff0c\u5e76\u652f\u6301\u66f4\u5f3a\u5927\u7684\u9000\u4f11\u7ed3\u679c\u3002”<\/p>\n

\u57fa\u91d1\u6b63\u5728\u52a0\u5927\u54a8\u8be2\u529b\u5ea6<\/h2>\n

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\u867d\u7136\u5305\u62ecInsignia\u3001Colonial First State\u548cAMP\u5728\u5185\u7684\u8425\u5229\u6027\u57fa\u91d1\u5728\u517b\u8001\u91d1\u5e02\u573a\u4e0a\u4ecd\u4ee5\u8d26\u6237\u603b\u6570\u9886\u5148\uff0c\u4f46Australian Retirement Trust\u3001AustralianSuper\u548cUniSuper\u7b49\u884c\u4e1a\u57fa\u91d1\u6b63\u5728\u7a33\u6b65\u7f29\u5c0f\u5dee\u8ddd\uff0c\u517b\u8001\u91d1\u8d26\u6237\u548c\u7ba1\u7406\u7684\u8d44\u4ea7\u5feb\u901f\u589e\u957f\u3002<\/p>\n

\u5728\u8fc7\u53bb\u7684\u4e94\u5e74\u91cc\uff0cAustralian Retirement Trust\u7684\u517b\u8001\u91d1\u8d44\u4ea7\u5e74\u589e\u957f\u7387\u4e3a9.3%\uff0c\u800cAustralianSuper\u7684\u517b\u8001\u91d1\u603b\u8d44\u4ea7\u7684\u5e74\u590d\u5408\u589e\u957f\u7387\u4e3a19.6%\u3002<\/p>\n

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\u5c3d\u7ba1\u884c\u4e1a\u57fa\u91d1\u5feb\u901f\u589e\u957f\uff0c\u4f46\u96f6\u552e\u90e8\u95e8\u4ecd\u6709\u5f88\u5927\u6bd4\u4f8b\u7684\u4f1a\u5458\u8d26\u6237\u5904\u4e8e\u517b\u8001\u91d1\u9636\u6bb5\u3002<\/p>\n

\u517b\u8001\u91d1\u9636\u6bb5\u4f1a\u5458\u8d26\u6237\u6bd4\u4f8b\u6700\u9ad8\u3001\u7ba1\u7406\u7684\u517b\u8001\u91d1\u9636\u6bb5\u8d44\u4ea7\u4efd\u989d\u6700\u5927\u7684\u4e00\u4e9b\u57fa\u91d1\u5305\u62ecChallenger\u3001Fiducian\u3001Clearview Wealth\u3001Macquarie\u3001Perpetual\u3001Netwealth\u3001HUB24\u548cCFS\u3002<\/p>\n

360\u4e07\u6fb3\u5927\u5229\u4e9a\u4eba\u5373\u5c06\u9000\u4f11<\/h2>\n

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2022\u5e747\u6708\u751f\u6548\u7684\u300a\u9000\u4f11\u6536\u5165\u516c\u7ea6\u300b\uff08Retirement Income Covenant\uff09\u89c4\u5b9a\uff0c\u8d85\u7ea7\u57fa\u91d1\u53d7\u6258\u4eba\u5fc5\u987b\u5236\u5b9a\u9000\u4f11\u6536\u5165\u6218\u7565\uff0c\u4f7f\u9884\u671f\u7684\u9000\u4f11\u6536\u5165\u6700\u5927\u5316\uff0c\u7ba1\u7406\u98ce\u9669\uff0c\u5e76\u5728\u9000\u4f11\u671f\u95f4\u63d0\u4f9b\u7075\u6d3b\u7684\u8d44\u91d1\u4f7f\u7528\u3002<\/p>\n

\u957f\u5bff\u4fdd\u9669\u5373\u5c06\u5230\u6765<\/h2>\n

KPMG\u8868\u793a\uff0c\u8fd9\u4e3a\u8d85\u7ea7\u57fa\u91d1\u53d7\u6258\u4eba\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5f3a\u6709\u529b\u7684\u673a\u4f1a\uff0c\u4ee5\u63d0\u4f9b\u6709\u5438\u5f15\u529b\u7684\u9000\u4f11\u6536\u5165\u89e3\u51b3\u65b9\u6848\uff0c\u6ee1\u8db3\u6210\u5458\u5bf9\u5b89\u5168\u6536\u5165\u7684\u9700\u6c42\uff0c\u5982\u957f\u5bff\u4fdd\u9669\u9009\u9879\u3002<\/p>\n

KPMG\u517b\u8001\u91d1\u5408\u4f19\u4ebaMelinda Howes\u8868\u793a\uff0c\u6709\u6548\u6559\u80b2\u4f1a\u5458\u5e76\u4e3a\u5176\u63d0\u4f9b\u5408\u9002\u7684\u9000\u4f11\u6536\u5165\u7b56\u7565\u7684\u8d85\u7ea7\u57fa\u91d1\u5c06\u5728\u9000\u4f11\u671f\u95f4\u7559\u4f4f\u4f1a\u5458\uff0c\u8fd9\u5c06\u4fdd\u969c\u5176\u89c4\u6a21\u5e76\u4e3a\u6240\u6709\u4f1a\u5458\u5e26\u6765\u66f4\u597d\u7684\u7ed3\u679c\u3002<\/p>\n

Howes\u5973\u58eb\u8bf4\uff1a”\u73b0\u5728\u6709\u5927\u91cf\u7684\u9000\u4f11\u4eba\u5458\u6709\u4e00\u4e2a\u5171\u540c\u7684\u672a\u6ee1\u8db3\u7684\u9700\u6c42\u2014\u2014\u5904\u7406\u957f\u5bff\u98ce\u9669\u548c\u5b9e\u73b0\u4e00\u5b9a\u7684\u7ec8\u8eab\u6536\u5165\uff0c”\u8c6a\u65af\u5973\u58eb\u8bf4\u3002<\/p>\n

“\u5728\u8d85\u7ea7\u57fa\u91d1\u7684\u8c03\u67e5\u4e2d\uff0c\u4f1a\u5458\u4eec\u73b0\u5728\u5c06\u6536\u5165\u7684\u786e\u5b9a\u6027\u5217\u4e3a\u7b2c\u4e00\u8981\u52a1\uff0c\u5e76\u5c06\u8d8a\u6765\u8d8a\u591a\u5730\u671f\u5f85\u4ed6\u4eec\u7684\u57fa\u91d1\u4e3a\u4ed6\u4eec\u63d0\u4f9b\u51b3\u5b9a\u6700\u5408\u9002\u7b56\u7565\u7684\u5efa\u8bae\u3002\u8003\u8651\u5230\u4f1a\u5458\u5bf9\u5b89\u5168\u6536\u5165\u7684\u6e34\u671b\uff0c\u957f\u5bff\u4fdd\u9669\u89e3\u51b3\u65b9\u6848\u73b0\u5728\u662f\u8bb8\u591a\u57fa\u91d1\u7684\u9996\u8981\u8003\u8651\u56e0\u7d20\u3002”<\/p>\n

\u5979\u8865\u5145\u8bf4\uff1a”\u4e00\u4e9b\u57fa\u91d1\u73b0\u5728\u5df2\u7ecf\u8bbe\u7acb\u4e86\u9996\u5e2d\u9000\u4f11\u5b98\u7684\u804c\u4f4d\uff0c\u53cd\u6620\u4e86\u6574\u4e2a\u5e02\u573a\u5bf9\u9000\u4f11\u7684\u5173\u6ce8\u7684\u8f6c\u53d8\u3002”<\/p>\n","protected":false},"excerpt":{"rendered":"

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\u603b\u7684\u6765\u8bf4\uff0c52%\u7684\u53d7\u8bbf\u8005\u5bf9\u81ea\u5df1\u7684\u9000\u4f11\u51c6\u5907\u6709\u9ad8\u5ea6\u4fe1\u5fc3\u3002 \u8ba1\u5212\u7684\u91cd\u8981\u6027 Vanguard\u6fb3\u5927\u5229\u4e9a\u516c\u53f8\u603b\u7ecf\u7406Daniel Shrimski\u8bf4\uff0c\u8fd9\u9879\u8c03\u67e5\u663e\u793a\u4e86\u5236\u5b9a\u8ba1\u5212\u7684\u91cd\u8981\u6027\uff0c\u4ee5\u4fbf\u6709\u507f\u5de5\u4f5c\u7684\u6682\u505c\u4e0d\u4f1a\u59a8\u788d\u4e3a\u9000\u4f11\u50a8\u84c4\u7684\u80fd\u529b\u3002 “Shrimski\u5148\u751f\u8bf4\uff1a”\u8fd9\u9879\u7814\u7a76\u8fd8\u63d0\u4f9b\u4e86\u8bc1\u636e\uff0c\u8868\u660e\u6fb3\u5927\u5229\u4e9a\u4eba\u5728\u6d89\u53ca\u5230\u517b\u8001\u91d1\u65f6\u8868\u73b0\u51fa\u8f83\u4f4e\u7684\u53c2\u4e0e\u5ea6\u548c\u7406\u89e3\u529b\uff0c\u4e00\u534a\u4eba\u4e0d\u77e5\u9053\u4ed6\u4eec\u652f\u4ed8\u4e86\u591a\u5c11\u5e74\u8d39\uff0c\u56db\u5206\u4e4b\u4e00\u4eba\u4e0d\u77e5\u9053\u4ed6\u4eec\u76ee\u524d\u7684\u517b\u8001\u91d1\u4f59\u989d\u662f\u591a\u5c11\u3002 “\u56e0\u6b64\uff0c\u6574\u4e2a\u517b\u8001\u91d1\u884c\u4e1a\u5b58\u5728\u7740\u4e00\u4e2a\u673a\u4f1a\uff0c\u4e5f\u8bb8\u662f\u4e00\u4e2a\u9700\u8981\uff0c\u4ee5\u6539\u5584\u4f1a\u5458\u7684\u53c2\u4e0e\uff0c\u7b80\u5316\u6536\u8d39\u7ed3\u6784\uff0c\u5e76\u652f\u6301\u66f4\u5f3a\u5927\u7684\u9000\u4f11\u7ed3\u679c\u3002” \u57fa\u91d1\u6b63\u5728\u52a0\u5927\u54a8\u8be2\u529b\u5ea6 \u6709\u8da3\u7684\u662f\uff0cKPMG\u7684\u4e00\u4efd\u62a5\u544a\u8868\u660e\uff0c\u968f\u7740\u884c\u4e1a\u57fa\u91d1\u5f00\u59cb\u5728\u4e3a\u9000\u4f11\u6210\u5458\u63d0\u4f9b\u517b\u8001\u91d1\u8d26\u6237\u65b9\u9762\u83b7\u5f97\u96f6\u552e\u90e8\u95e8\u7684\u652f\u6301\uff0c\u4e00\u4e9b\u53d8\u5316\u5df2\u7ecf\u5728\u8fdb\u884c\u4e2d\u3002 \u867d\u7136\u5305\u62ecInsignia\u3001Colonial First State\u548cAMP\u5728\u5185\u7684\u8425\u5229\u6027\u57fa\u91d1\u5728\u517b\u8001\u91d1\u5e02\u573a\u4e0a\u4ecd\u4ee5\u8d26\u6237\u603b\u6570\u9886\u5148\uff0c\u4f46Australian Retirement Trust\u3001AustralianSuper\u548cUniSuper\u7b49\u884c\u4e1a\u57fa\u91d1\u6b63\u5728\u7a33\u6b65\u7f29\u5c0f\u5dee\u8ddd\uff0c\u517b\u8001\u91d1\u8d26\u6237\u548c\u7ba1\u7406\u7684\u8d44\u4ea7\u5feb\u901f\u589e\u957f\u3002 \u5728\u8fc7\u53bb\u7684\u4e94\u5e74\u91cc\uff0cAustralian Retirement Trust\u7684\u517b\u8001\u91d1\u8d44\u4ea7\u5e74\u589e\u957f\u7387\u4e3a9.3%\uff0c\u800cAustralianSuper\u7684\u517b\u8001\u91d1\u603b\u8d44\u4ea7\u7684\u5e74\u590d\u5408\u589e\u957f\u7387\u4e3a19.6%\u3002 \u603b\u4f53\u800c\u8a00\uff0c\u884c\u4e1a\u57fa\u91d1\u57282021\u5e74\u548c2022\u5e74\u4e4b\u95f4\u7684\u5e02\u573a\u4efd\u989d\u589e\u52a0\u4e862%\uff0c\u6311\u6218\u4e86\u96f6\u552e\u90e8\u95e8\u5728\u517b\u8001\u91d1\u8d26\u6237\u4e2d\u7684\u957f\u671f\u4e3b\u5bfc\u5730\u4f4d\u3002 \u62a5\u544a\u53d1\u73b0\uff0c\u589e\u957f\u8fc5\u901f\u7684\u884c\u4e1a\u57fa\u91d1\u62e5\u6709\u5f3a\u5927\u7684\u54a8\u8be2\u80fd\u529b\uff0c\u5e2e\u52a9\u4f1a\u5458\u8fdb\u5165\u9000\u4f11\u9636\u6bb5\u3002 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