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<\/p>\n

\n

\u8d85\u8fc7 150 \u4e07\u4eba\u7684 Isa \u50a8\u84c4\u81f3\u5c11\u4e3a 10 \u4e07\u82f1\u9551\u3002\u7136\u800c\uff0c\u5982\u679c\u4f60\u628a\u5b83\u4fdd\u7559\u4e3a\u73b0\u91d1\uff0c\u5b83\u7684\u8868\u73b0\u53ef\u80fd\u4f1a\u900a\u4e8e\u80a1\u7968\uff0c\u751a\u81f3\u53ef\u80fd\u4f1a\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u56e0\u901a\u8d27\u81a8\u80c0\u800c\u5931\u53bb\u4ef7\u503c\u3002<\/p>\n

\u76f8\u53cd\uff0c\u60a8\u53ef\u4ee5\u5c06 100,000 \u82f1\u9551\u6295\u8d44\u4e8e\u7531\u80a1\u7968\u3001\u503a\u5238\u548c\u5176\u4ed6\u8d44\u4ea7\u7ec4\u6210\u7684\u5e73\u8861\u6295\u8d44\u7ec4\u5408\uff0c\u8fd9\u6837\u5b83\u5c31\u4f1a\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u800c\u589e\u957f\uff0c\u60a8\u6700\u7ec8\u6709\u671b\u83b7\u5f97\u6bd4\u60a8\u672c\u5e94\u8d5a\u53d6\u7684\u66f4\u591a\u7684\u6536\u76ca\u3002<\/p>\n

\u6b63\u786e\u7684\u6295\u8d44\u7ec4\u5408\u53d6\u51b3\u4e8e\u60a8\u60f3\u8981\u627f\u62c5\u591a\u5c11\u98ce\u9669\u4ee5\u53ca\u4f55\u65f6\u9700\u8981\u8d44\u91d1\u3002<\/p>\n

InvestEngine \u7684\u5b89\u5fb7\u9c81\u00b7\u666e\u7f57\u745f (Andrew Prosser) \u5efa\u8bae\u91c7\u7528\u201c\u6838\u5fc3\u548c\u536b\u661f\u201d\u65b9\u6cd5\uff0c\u5982\u679c\u60a8\u8981\u8ffd\u6c42\u589e\u957f\uff0c\u5219\u57fa\u91d1\u7684\u6838\u5fc3\u662f\u5168\u7403\u8ddf\u8e2a\u57fa\u91d1\uff1b\u5982\u679c\u60a8\u6295\u8d44\u662f\u4e3a\u4e86\u8d5a\u53d6\u5b9a\u671f\u6536\u5165\uff0c\u5219\u57fa\u91d1\u7684\u6838\u5fc3\u662f\u5168\u7403\u503a\u5238\u57fa\u91d1\u3002<\/p>\n

\u5168\u7403\u8ffd\u8e2a\u662f\u4e00\u79cd\u4f4e\u6210\u672c\u57fa\u91d1\uff0c\u8ffd\u8e2a\u5168\u7403\u6570\u5343\u5bb6\u516c\u53f8\u3002<\/p>\n

\u5bf9\u4e8e\u5927\u591a\u6570\u4eba\u6765\u8bf4\uff0c\u6838\u5fc3\u5e94\u8be5\u662f\u4e24\u8005\u7684\u5e73\u8861\u3002\u56f4\u7ed5\u8fd9\u4e2a\u6838\u5fc3\u57fa\u91d1\uff0c\u60a8\u53ef\u4ee5\u6dfb\u52a0\u201c\u536b\u661f\u201d\u57fa\u91d1\u6216\u80a1\u7968\uff0c\u8ba9\u60a8\u53ef\u4ee5\u6295\u8d44\u9ec4\u91d1\u7b49\u5927\u5b97\u5546\u54c1\uff1b\u53ef\u80fd\u8dd1\u8d62\u5168\u7403\u5e02\u573a\u7684\u6295\u8d44\u4e3b\u9898\uff0c\u4f8b\u5982\u533b\u7597\u4fdd\u5065\u6216\u6280\u672f\uff0c\u6216\u60a8\u8ba4\u4e3a\u4ee4\u4eba\u5174\u594b\u7684\u4e0d\u540c\u5730\u7406\u533a\u57df\u3002<\/p>\n

\u5bf9\u4e8e\u6211\u4eec\u5927\u591a\u6570\u4eba\u6765\u8bf4\uff0c\u5168\u7403\u57fa\u91d1\u5c06\u51b3\u5b9a\u5927\u90e8\u5206\u4e1a\u7ee9\uff0c\u56e0\u6b64\u8bf7\u82b1\u70b9\u65f6\u95f4\u8fdb\u884c\u7814\u7a76\u4ee5\u786e\u4fdd\u8fd9\u4e00\u70b9\u3002<\/p>\n

AJ Bell \u5e02\u573a\u4e3b\u7ba1 Dan Coatsworth \u8868\u793a\uff1a\u201c\u8ffd\u8e2a\u57fa\u91d1\u53ef\u4ee5\u6210\u4e3a\u7406\u60f3\u7684\u8e0f\u811a\u77f3\u3002\u201d\u4ed6\u5efa\u8bae\u521d\u5b66\u8005\u5c06\u90e8\u5206\u6295\u8d44\u7ec4\u5408\u653e\u5165\u5168\u7403\u80a1\u7968\u57fa\u91d1\uff0c\u56e0\u4e3a\u4f60\u5e76\u4e0d\u662f\u201c\u5bf9\u7279\u5b9a\u884c\u4e1a\u6216\u4e16\u754c\u90e8\u5206\u5730\u533a\u8fdb\u884c\u6295\u8d44\u201d\u3002 <\/p>\n

\n
\n
\"\u8d85\u8fc7 <\/div>\n<\/p><\/div>\n

\u8d85\u8fc7 150 \u4e07\u50a8\u6237\u7684 Isa \u4e2d\u81f3\u5c11\u6709 10 \u4e07\u82f1\u9551\uff0c\u4f46\u5982\u679c\u60a8\u5c06\u5176\u4fdd\u7559\u4e3a\u73b0\u91d1\uff0c\u5176\u8868\u73b0\u53ef\u80fd\u4f1a\u900a\u4e8e\u80a1\u7968\uff0c\u751a\u81f3\u53ef\u80fd\u56e0\u901a\u8d27\u81a8\u80c0\u800c\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u800c\u8d2c\u503c<\/p>\n<\/div>\n

\u8ffd\u8e2a\u5668\u7684\u6536\u8d39\u4e5f\u5f80\u5f80\u8f83\u4f4e\u3002\u8fd9\u4e9b\u57fa\u91d1\u90fd\u8ddf\u8e2a\u56db\u4e2a\u5168\u7403\u80a1\u7968\u6307\u6570\u4e4b\u4e00\uff0c\u8fd9\u610f\u5473\u7740\u5b83\u4eec\u7684\u8868\u73b0\u76f8\u4f3c\uff0c\u56e0\u6b64\u60a8\u4e0d\u59a8\u9009\u62e9\u8d39\u7528\u6700\u4f4e\u7684\u4e00\u53ea\uff0c\u76ee\u524d\u662f Invesco MSCI World \u57fa\u91d1\u3002<\/p>\n

\u4e0d\u8fc7\uff0c\u5982\u679c\u60a8\u5c06 10 \u4e07\u82f1\u9551\u6295\u5165\u8be5\u57fa\u91d1\uff0c\u9884\u8ba1\u4f1a\u9047\u5230\u574e\u5777\uff0c\u56e0\u4e3a\u60a8\u7684\u6240\u6709\u6295\u8d44\u90fd\u5c06\u6295\u8d44\u4e8e\u80a1\u7968\uff0c\u800c\u4e0d\u662f\u5206\u6563\u5728\u4e0d\u540c\u7684\u8d44\u4ea7\u4e2d\u3002\u4f60\u4f1a\u9519\u8fc7\u8ba9\u4f60\u7684\u6295\u8d44\u6ce2\u52a8\u6027\u8f83\u5c0f\u7684\u9547\u6d41\u5668\u3002<\/p>\n

\u5927\u591a\u6570\u4eba\u5c06\u4e00\u90e8\u5206\u6295\u8d44\u6295\u8d44\u4e8e\u4f01\u4e1a\u548c\u653f\u5e9c\u503a\u52a1\uff0c\u4ee5\u53ca\u9ec4\u91d1\u548c\u623f\u5730\u4ea7\u7b49\u53e6\u7c7b\u8d44\u4ea7\u3002<\/p>\n

\u5f53\u7ecf\u6d4e\u56f0\u96be\u65f6\uff0c\u8fd9\u4e9b\u5176\u4ed6\u8d44\u4ea7\u5c31\u4f1a\u53d1\u6325\u4f5c\u7528\u3002\u5f53\u5176\u4ed6\u4e00\u5207\u90fd\u4e0b\u8dcc\u65f6\uff0c\u9ec4\u91d1\u5f80\u5f80\u4f1a\u4e0a\u6da8\uff0c\u800c\u503a\u5238\u5219\u6bd4\u80a1\u7968\u66f4\u7a33\u5b9a\u3002<\/p>\n

\u4e00\u822c\u6765\u8bf4\uff0c\u6295\u8d44\u7ec4\u5408\u4e2d\u7684\u503a\u5238\u8d8a\u591a\uff0c\u5176\u56de\u62a5\u5c31\u8d8a\u7a33\u5b9a\uff0c\u4f46\u589e\u957f\u4e5f\u53ef\u80fd\u8d8a\u6162\u3002\u538c\u6076\u98ce\u9669\u7684\u6295\u8d44\u8005\u5c06\u66f4\u591a\u8d44\u91d1\u6295\u8d44\u4e8e\u503a\u5238\uff0c\u800c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u66f4\u5f3a\u7684\u6295\u8d44\u8005\u5219\u5c06\u66f4\u591a\u8d44\u91d1\u6295\u8d44\u4e8e\u80a1\u7968\u3002<\/p>\n

\n
\n
\"AJ <\/div>\n<\/p><\/div>\n

AJ Bell \u7684\u4e39\u00b7\u79d1\u8328\u6c83\u65af (Dan Coatsworth) \u5efa\u8bae\u521d\u5b66\u8005\u6295\u8d44\u8005\u5e94\u5c06\u90e8\u5206\u6295\u8d44\u7ec4\u5408\u6295\u5165\u5168\u7403\u80a1\u7968\u57fa\u91d1\uff0c\u56e0\u4e3a\u60a8\u5e76\u4e0d\u662f\u201c\u5bf9\u7279\u5b9a\u884c\u4e1a\u6216\u4e16\u754c\u90e8\u5206\u5730\u533a\u8fdb\u884c\u6295\u8d44\u201d<\/p>\n<\/div>\n

\u5bf9\u4e8e\u4e2d\u7b49\u98ce\u9669\u6295\u8d44\u8005\u6765\u8bf4\uff0c\u7c7b\u4f3c\u4e8e Wealthify Confident Plan \u6295\u8d44\u7ec4\u5408\u7684\u7ed3\u6784\u53ef\u80fd\u4f1a\u8d77\u4f5c\u7528\uff0c\u5176\u4e2d\u7ea6 45% \u4e3a\u80a1\u7968\uff0c40% \u4e3a\u653f\u5e9c\u503a\u5238\uff0c4% \u4e3a\u516c\u53f8\u503a\u5238\uff0c\u5176\u4f59\u4e3a\u53e6\u7c7b\u6295\u8d44\uff0c\u800c\u66f4\u4e3a\u8c28\u614e\u7684\u6295\u8d44\u8005\u53ef\u80fd\u66f4\u559c\u6b22\u7c7b\u4f3c\u4e8e\u5176\u8c28\u614e\u8ba1\u5212\u7684\u6295\u8d44\u7ec4\u5408\uff0c\u5176\u4e2d 10% \u4e3a\u80a1\u7968\uff0c82% \u4e3a\u503a\u5238\u3002<\/p>\n

\u60a8\u53ef\u4ee5\u4f7f\u7528 Vanguard LifeStrategy \u7b49\u591a\u8d44\u4ea7\u57fa\u91d1\u6765\u521b\u5efa\u7b26\u5408\u60a8\u7684\u98ce\u9669\u504f\u597d\u548c\u65f6\u95f4\u6846\u67b6\u7684\u6295\u8d44\u7ec4\u5408\u3002 <\/p>\n

\u90a3\u4e9b\u6709\u957f\u8fdc\u773c\u5149\u7684\u4eba\u53ef\u4ee5\u9009\u62e980%\u7684\u80a1\u7968\/20%\u7684\u503a\u5238\u7248\u672c\uff0c\u800c\u90a3\u4e9b\u4f7f\u752810\u4e07\u82f1\u9551\u4e3a\u9000\u4f11\u63d0\u4f9b\u8d44\u91d1\u7684\u4eba\u53ef\u4ee5\u9009\u62e940%\u7684\u80a1\u7968\u548c60%\u7684\u503a\u5238\u3002<\/p>\n

\u6216\u8005\uff0c\u60a8\u53ef\u4ee5\u5c06 Invesco \u80a1\u7968\u57fa\u91d1\u4e0e Vanguard Corporate Bond Fund \u6216\u6c47\u4e30\u94f6\u884c\u7684\u5168\u7403\u653f\u5e9c\u503a\u5238 ETF \u914d\u5bf9\uff0cCoatsworth \u5148\u751f\u8868\u793a\uff0c\u8fd9\u662f AJ Bell \u5ba2\u6237\u4e2d\u7684\u4e24\u4e2a\u9876\u7ea7\u503a\u5238\u8ddf\u8e2a\u57fa\u91d1\u3002<\/p>\n

\u4e00\u65e6\u60a8\u627e\u5230\u4e86\u6b63\u786e\u7684\u6838\u5fc3\u80a1\u7968\u548c\u503a\u5238\u57fa\u91d1\uff0c\u60a8\u5c31\u53ef\u4ee5\u4f7f\u7528\u60a8\u7684\u536b\u661f\u57fa\u91d1\u4e00\u6b21\u6027\u4f7f\u7528\u5269\u4f59\u7684\u90e8\u5206\u8d44\u91d1\u6765\u6295\u8d44\u60a8\u611f\u5174\u8da3\u7684\u516c\u53f8\u3001\u884c\u4e1a\u548c\u5730\u533a\u3002<\/p>\n

\u90a3\u4e9b\u5bf9\u53ef\u518d\u751f\u80fd\u6e90\u611f\u5174\u8da3\u7684\u4eba\u53ef\u4ee5\u4ee5\u6298\u6263\u4ef7\u8d2d\u4e70\u8be5\u9886\u57df\u7684\u4e13\u4e1a\u6295\u8d44\u4fe1\u6258\u57fa\u91d1\u3002\u4f8b\u5982\uff0c\u53ef\u518d\u751f\u80fd\u6e90\u57fa\u7840\u8bbe\u65bd\u96c6\u56e2\u7684\u4ea4\u6613\u4ef7\u683c\u6bd4\u5176\u8d44\u4ea7\u4ef7\u503c\u6298\u8ba9 29%\u3002<\/p>\n

\u5982\u679c SpaceX \u7684\u4e0a\u5e02\u5f15\u8d77\u4e86\u60a8\u7684\u5174\u8da3\uff0c\u90a3\u4e48\u60a8\u53ef\u4ee5\u6295\u8d44 WisdomTree Space Economy\uff0c\u8fd9\u662f\u4e00\u79cd\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff0c\u53ef\u8ba9\u60a8\u63a5\u89e6\u536b\u661f\u4e1a\u52a1\u548c\u706b\u7bad\u53d1\u5c04\u5668\u3002<\/p>\n

\u5982\u679c\u60a8\u6536\u5230\u4e86 10 \u4e07\u82f1\u9551\u7684\u610f\u5916\u4e4b\u8d22\uff0c\u6bd4\u5982\u6765\u81ea\u9057\u4ea7\uff0c\u60a8\u4f1a\u5e0c\u671b\u5c3d\u5feb\u907f\u7a0e\u3002<\/p>\n

\u968f\u7740\u4e00\u6b21\u6027\u4ed8\u6b3e\u7684\u589e\u957f\uff0c\u60a8\u53ef\u4ee5\u5c06\u5c3d\u53ef\u80fd\u591a\u7684\u8d44\u91d1\u653e\u5165\u7a0e\u52a1\u5305\u88c5\u4e2d\uff0c\u4ee5\u8282\u7701\u8d44\u672c\u5229\u5f97\u548c\u80a1\u606f\u7a0e\u3002 <\/p>\n

\u4f60\u53ef\u4ee5\u6bcf\u5e74\u5411 Isa \u5b58\u5165 20,000 \u82f1\u9551\uff0c\u5411\u517b\u8001\u91d1\u5b58\u5165 60,000 \u82f1\u9551\uff0c\u8fd9\u6837\u5b83\u4eec\u5c31\u53ef\u4ee5\u514d\u7a0e\u589e\u957f\uff0c\u4f46\u5982\u679c\u4f60\u5728 55 \u5c81\u4e4b\u524d\u9700\u8981\u73b0\u91d1\uff082028 \u5e74\u5347\u81f3 57 \u5c81\uff09\uff0c\u517b\u8001\u91d1\u5c31\u4e0d\u5408\u9002\u4e86\u3002<\/p>\n

\n

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