{"id":26020,"date":"2024-03-06T10:00:00","date_gmt":"2024-03-06T02:00:00","guid":{"rendered":"https:\/\/www.sofi.hk\/?p=26020"},"modified":"2024-03-06T14:55:30","modified_gmt":"2024-03-06T06:55:30","slug":"americans-miss-their-pensions","status":"publish","type":"post","link":"https:\/\/www.sofi.hk\/zh-hant\/americans-miss-their-pensions\/","title":{"rendered":"\u7f8e\u570b\u4eba\u932f\u904e\u4e86\u4ed6\u5011\u7684\u9000\u4f11\u91d1"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time:  <\/span><span class=\"yoast-reading-time__reading-time\">1<\/span><span class=\"yoast-reading-time__time-unit\"> minute<\/span><\/p>\n\n\n\n<p>\u6839\u64da<a href=\"https:\/\/www.nirsonline.org\/reports\/retirementinsecurity2024\/?daily\">\u570b\u5bb6\u9000\u4f11\u5b89\u5168\u7814\u7a76\u6240<\/a>\uff08NIRS\uff09\u7684\u4e00\u9805\u7814\u7a76\uff0c\u8fd180\uff05\u7684\u7f8e\u570b\u4eba\u8a8d\u70ba\u8a72\u570b\u6b63\u9762\u81e8\u201c\u9000\u4f11\u5371\u6a5f\u201d\u3002\u9019\u662f\u5f88\u591a\u4eba\uff0c\u4f46\u66f4\u91cd\u8981\u7684\u662f\uff0c\u82072020\u5e74\u7d71\u8a08\u7684\u4e09\u5206\u4e4b\u4e8c\u76f8\u6bd4\uff0c\u9019\u4e00\u6bd4\u4f8b\u6709\u6240\u589e\u52a0\u3002<\/p>\n\n\n\n<p>\u9000\u4f11\u5c0d\u4eba\u5011\u4f86\u8aaa\u662f\u4e00\u500b\u975e\u5e38\u91cd\u8981\u7684\u8a71\u984c\u3002\u4eba\u5011\u95dc\u5fc3\u8981\u6295\u5165\u591a\u5c11\u9322\u4ee5\u53ca\u7bc0\u7701\u7a05\u6b3e\u7684\u65b9\u6cd5\uff0c\u66f4\u4e0d\u7528\u8aaa\u4e00\u4e9b\u4eba\u5c0d\u65bc\u81ea\u5df1\u5728\u8077\u696d\u751f\u6daf\u65e9\u671f\u672a\u5132\u84c4\u8db3\u5920\u611f\u5230\u7f9e\u6127\u3002\u4f46\u662f\uff0cNIRS\u7814\u7a76\u7684\u53d7\u8a2a\u8005\u5728\u9000\u4f11\u8a08\u5283\u65b9\u9762\u6709\u4e00\u500b\u5171\u8b58\uff1a\u9000\u4f11\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u9000\u4f11\u91d1-vs-401-k\"><strong>\u9000\u4f11\u91d1 vs. 401(k)<\/strong><\/h2>\n\n\n\n<p>\u6839\u64da\u8a72\u7814\u7a76\uff0c\u8d85\u904e\u56db\u5206\u4e4b\u4e09\u7684\u7f8e\u570b\u4eba\u76f8\u4fe1\u9000\u4f11\u91d1\u6709\u52a9\u65bc\u5be6\u73fe\u66f4\u5b89\u5168\u7684\u9000\u4f11\u751f\u6d3b\u3002<\/p>\n\n\n\n<p>401(k)\u548c\u9000\u4f11\u91d1\u8a08\u5283\u90fd\u63d0\u4f9b\u4e86\u70ba\u9000\u4f11\u5132\u84c4\u7684\u65b9\u5f0f\uff0c\u4f46\u6709\u4e00\u500b<a href=\"https:\/\/www.sofi.com\/learn\/content\/pension-vs-401k\/?daily\">\u95dc\u9375\u5340\u5225<\/a>\uff1a\u5728401(k)\u8a08\u5283\u4e2d\uff0c\u5de5\u4eba\u5c07\u90e8\u5206\u85aa\u6c34\u5b58\u5165\u4e00\u500b\u7a05\u5ef6\u9072\u5e33\u6236\u3002\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b\u914d\u5c0d\u6b3e\u9805\uff0c\u589e\u52a0\u5132\u84c4\u3002\u8207\u6b64\u540c\u6642\uff0c\u5728\u9000\u4f11\u91d1\u6a21\u5f0f\u4e2d\uff0c\u50c5\u7531\u96c7\u4e3b\u627f\u64d4\u5c07\u9322\u5b58\u5165\u7684\u8cac\u4efb\u3002\u516c\u53f8\u4ee3\u8868\u53d7\u76ca\u4eba\u6295\u8cc7\u8cc7\u91d1\u4e26\u5728\u9000\u4f11\u5f8c\u652f\u4ed8\u4e00\u5b9a\u6536\u5165\u3002\u4f60\u53ef\u80fd\u9084\u6703\u807d\u5230\u9019\u7a2e\u5dee\u7570\u88ab\u7a31\u70ba\u56fa\u5b9a\u8ca2\u737b\u8a08\u5283\u548c\u56fa\u5b9a\u798f\u5229\u8a08\u5283\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u63a8\u52d5\u6062\u5fa9\u9000\u4f11\u91d1\"><strong>\u63a8\u52d5\u6062\u5fa9\u9000\u4f11\u91d1<\/strong><\/h2>\n\n\n\n<p>\u4e0d\u53ea\u662f\u8abf\u67e5\u53d7\u8a2a\u8005\u6e34\u671b\u6536\u56de\u9000\u4f11\u91d1\u3002\u5728\u53bb\u5e74\u7684\u52de\u5de5\u7f77\u5de5\u671f\u9593\uff0c\u50cf\u7f8e\u570b\u6c7d\u8eca\u5de5\u4eba\u806f\u5408\u6703\uff08UAW\uff09\u7b49\u5de5\u6703\u63a8\u52d5\u5728\u65b0\u5354\u8b70\u4e2d\u52a0\u5165\u9000\u4f11\u91d1\u8a08\u5283\u3002\u6700\u7d42\uff0c\u7f8e\u570b\u6c7d\u8eca\u5de5\u4eba\u806f\u5408\u6703\u7684\u8981\u6c42\u88ab\u62d2\u7d55\uff0c\u9019\u8868\u660e\u516c\u53f8\u4e26\u4e0d\u9858\u610f\u56de\u5230\u9000\u4f11\u91d1\u6a21\u5f0f\uff0c\u56e0\u70ba\u9019\u5c0d\u96c7\u4e3b\u4f86\u8aaa\u6210\u672c\u66f4\u9ad8\u3002<\/p>\n\n\n\n<p>\u5373\u4fbf\u5982\u6b64\uff0c\u4e00\u4e9b\u516c\u53f8\u6b63\u5728\u56de\u6b78\u3002IBM\uff08<a href=\"https:\/\/api.sofi.hk\/tradeflix\/app\/action\/position\/US_IBM\" rel=\"nofollow\">IBM<\/a>\uff09\u5728\u95dc\u9589\u5176\u50b3\u7d71\u9000\u4f11\u91d1\u8a08\u5283\u8fd120\u5e74\u5f8c\uff0c\u6700\u8fd1\u91cd\u65b0\u63d0\u4f9b\u9000\u4f11\u91d1\uff0c\u52a0\u5165\u4e86\u50cfJohn Deere\uff08<a href=\"https:\/\/api.sofi.hk\/tradeflix\/app\/action\/position\/US_DE\" rel=\"nofollow\">DE<\/a>\uff09\u548c Coca-Cola\uff08<a href=\"https:\/\/api.sofi.hk\/tradeflix\/app\/action\/position\/US_KO\" rel=\"nofollow\">KO<\/a>\uff09\u9019\u6a23\u4ecd\u7136\u63d0\u4f9b\u9000\u4f11\u91d1\u8a08\u5283\u7684\u516c\u53f8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u514d\u8cac\u8072\u660e<\/strong><br>SoFi Securities (Hong Kong) Limited\u53ca\u5176\u806f\u5c6c\u516c\u53f8(\u2018SoFi HK\u2019)\u53ef\u80fd\u6703\u4e0d\u6642\u767c\u5e03\u6216\u5206\u4eab\u8cc7\u8a0a\u548c\u6750\u6599\u3002\u5b83\u5011\u4e0d\u61c9\u88ab\u8996\u70ba\u8981\u7d04\u3001\u62db\u652c\u3001\u9080\u8acb\u3001\u6295\u8cc7\u5efa\u8b70\u3001\u5728\u4efb\u4f55\u53f8\u6cd5\u7ba1\u8f44\u5340\u8cfc\u8cb7\u3001\u51fa\u552e\u6216\u4ee5\u5176\u4ed6\u65b9\u5f0f\u8655\u7406\u4efb\u4f55\u6295\u8cc7\u5de5\u5177\u6216\u7522\u54c1\u7684\u5efa\u8b70\u3002 \u8acb\u6ce8\u610f\uff0c\u6295\u8cc7\u6d89\u53ca\u98a8\u96aa\uff0c\u8cc7\u7522\u7684\u904e\u53bb\u8868\u73fe\u4e26\u4e0d\u80fd\u4fdd\u8b49\u672a\u4f86\u7684\u7d50\u679c\u6216\u56de\u5831\u3002 \u6295\u8cc7\u8005\u5728\u4f5c\u51fa\u6295\u8cc7\u6c7a\u5b9a\u4e4b\u524d\u8003\u616e\u81ea\u8eab\u7684\u5177\u9ad4\u8ca1\u52d9\u9700\u6c42\u3001\u76ee\u6a19\u548c\u98a8\u96aa\u72c0\u6cc1\u975e\u5e38\u91cd\u8981\u3002<br>SoFi 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class=\"post__read-more\"><\/a><\/p>\n","protected":false},"author":12,"featured_media":26018,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"[]"},"categories":[1094],"tags":[1352,1747,1748],"class_list":["post-26020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-headlines-zh-hant","tag-us_ko-zh-hant","tag-us_de-2-zh-hant","tag-us_ibm-zh-hant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v20.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u7f8e\u570b\u4eba\u932f\u904e\u4e86\u4ed6\u5011\u7684\u9000\u4f11\u91d1 | SoFi<\/title>\n<meta name=\"description\" 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