\u7f8e\u570b\u6771\u90e8\u6642\u9593 8 \u6708 7 \u65e5\uff0c\u524d\u7e3d\u7d71\u5510\u7d0d\u5fb7-\u5ddd\u666e\u5728\u767d\u5bae\u7c3d\u7f72\u4e86\u4e00\u9805\u884c\u653f\u547d\u4ee4\uff0c\u984c\u70ba\u300c\u6c11\u4e3b\u5316 401(k) \u6295\u8cc7\u8005\u5c0d\u53e6\u985e\u8cc7\u7522\u7684\u5b58\u53d6\u300d\u3002\u8a72\u547d\u4ee4\u6307\u793a\u8ca1\u653f\u90e8\u3001\u52de\u5de5\u90e8\u548c\u8b49\u5238\u4ea4\u6613\u59d4\u54e1\u6703\uff08SEC\uff09\u555f\u52d5\u898f\u5247\u8b8a\u66f4\uff0c\u5141\u8a31 401(k) \u9000\u4f11\u8a08\u5283\u6295\u8cc7\u52a0\u5bc6\u8ca8\u5e63\u3001\u623f\u5730\u7522\u3001\u79c1\u52df\u80a1\u6b0a\u548c\u5176\u4ed6\u53e6\u985e\u8cc7\u7522\u3002\u6b64\u8209\u5728\u5168\u7403\u91d1\u878d\u5e02\u5834\u5f15\u8d77\u4e86\u9707\u76ea\uff0c\u56e0\u70ba\u5b83\u6709\u53ef\u80fd\u89e3\u9396\u50f9\u503c\u8d85\u904e $8.7 \u842c\u5104\u7f8e\u5143\u7684\u9000\u4f11\u6c60\uff0c\u4e26\u6a19\u8a8c\u8457\u5c07\u52a0\u5bc6\u8cc7\u7522\u878d\u5165\u4e3b\u6d41\u91d1\u878d\u9ad4\u7cfb\u7684\u95dc\u9375\u4e00\u6b65\u3002<\/p>\n
\u5118\u7ba1\u767d\u5bae\u5c07\u9019\u9805\u5021\u8b70\u5f62\u5bb9\u70ba\u300c\u64f4\u5927\u666e\u901a\u6295\u8cc7\u4eba\u53d6\u5f97\u591a\u5143\u5316\u8cc7\u7522\u7684\u9014\u5f91\u300d\uff0c\u4e00\u500b\u6839\u672c\u6027\u7684\u554f\u984c\u537b\u6d6e\u73fe\u51fa\u4f86\uff1a\u9019\u9805\u6c7a\u5b9a\u662f\u70ba\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u672a\u4f86\u958b\u555f\u4e86\u8ca1\u5bcc\u589e\u503c\u7684\u65b0\u7bc7\u7ae0\uff0c\u9084\u662f\u4ee3\u8868\u8457\u4e00\u5834\u4e0d\u9867\u4e00\u5207\u7684\u5168\u570b\u6027\u8ced\u535a\uff1f<\/p>\n
### 1.401(k) \u8a08\u5283\uff1a\u7f8e\u570b\u9000\u4f11\u5236\u5ea6\u7684\u57fa\u77f3
\n\u8981\u77ad\u89e3\u6b64\u8209\u7684\u610f\u7fa9\uff0c\u5fc5\u9808\u8a8d\u6e05 401(k) \u8a08\u5283\u5728\u7f8e\u570b\u9000\u4f11\u4fdd\u969c\u67b6\u69cb\u4e2d\u7684\u89d2\u8272\u3002\u8a72\u7cfb\u7d71\u7531\u4e09\u500b\u652f\u67f1\u7d44\u6210\uff1a\u7b2c\u4e00\u500b\u662f\u653f\u5e9c\u7ba1\u7406\u7684\u793e\u6703\u4fdd\u969c\uff0c\u6bcf\u6708\u63d0\u4f9b\u57fa\u672c\u990a\u8001\u91d1\uff1b\u7b2c\u4e8c\u500b\u662f\u96c7\u4e3b\u8d0a\u52a9\u7684\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff0c\u5176\u4e2d 401(k) \u662f\u6700\u5e38\u898b\u7684\uff0c\u8cc7\u91d1\u4f86\u81ea\u54e1\u5de5\u7684\u7a05\u524d\u4f9b\u6b3e\u548c\u96c7\u4e3b\u5339\u914d\uff0c\u6295\u8cc7\u9078\u64c7\u6709\u9650\uff1b\u7b2c\u4e09\u500b\u662f\u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA)\uff0c\u63d0\u4f9b\u66f4\u5ee3\u6cdb\u7684\u6295\u8cc7\u9078\u64c7\uff0c\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\u5305\u62ec\u52a0\u5bc6\u8ca8\u5e63\u3002<\/p>\n
\u622a\u81f3 2025 \u5e74\u7b2c\u4e00\u5b63\uff0c\u7f8e\u570b 401(k) \u5e02\u5834\u898f\u6a21\u5df2\u8d85\u904e $8.7 \u5146\u7f8e\u5143\uff0c\u6210\u70ba\u6578\u5343\u842c\u7f8e\u570b\u5bb6\u5ead\u7684\u4e3b\u8981\u9000\u4f11\u4fdd\u969c\u3002\u8207\u5141\u8a31\u76f4\u63a5\u64c1\u6709\u5404\u7a2e\u8cc7\u7522\u7684 IRA \u4e0d\u540c\uff0c401(k) \u8a08\u5283\u6b77\u4f86\u9650\u5236\u6295\u8cc7\u65bc\u4f4e\u98a8\u96aa\u7522\u54c1\uff0c\u5982\u5171\u540c\u57fa\u91d1\u548c\u96c7\u4e3b\u7b56\u5283\u7684\u50b5\u5238\u3002\u7279\u6717\u666e\u7684\u884c\u653f\u547d\u4ee4\u91dd\u5c0d\u9019\u4e9b\u9650\u5236\uff0c\u70ba\u52a0\u5bc6\u8ca8\u5e63\u7b49\u9ad8\u6ce2\u52d5\u6027\u8cc7\u7522\u9032\u5165\u4e3b\u6d41\u9000\u4f11\u6295\u8cc7\u7d44\u5408\u5275\u9020\u4e86\u76e3\u7ba1\u9014\u5f91\u3002<\/p>\n
### 2.\u5f9e\u7981\u6b62\u5230\u5141\u8a31\uff1a\u76e3\u7ba1\u7684\u8f49\u6369\u9ede
\n\u5f9e\u6b77\u53f2\u4e0a\u770b\uff0c\u7531\u65bc\u5c0d\u6ce2\u52d5\u6027\u3001\u6295\u8cc7\u8005\u4fdd\u8b77\u4ee5\u53ca\u4fdd\u7ba1\u3001\u4f30\u503c\u548c\u5408\u898f\u65b9\u9762\u7684\u6a5f\u69cb\u6311\u6230\u7684\u6182\u616e\uff0c401\uff08k\uff09\u8a08\u5283\u4e00\u76f4\u5c07\u52a0\u5bc6\u8ca8\u5e63\u7b49\u9ad8\u98a8\u96aa\u8cc7\u7522\u6392\u9664\u5728\u5916\u3002\u7279\u6717\u666e\u653f\u5e9c\u653e\u5bec\u9019\u4e9b\u9650\u5236\u7684\u6c7a\u5b9a\u53cd\u6620\u4e86\u591a\u7a2e\u56e0\u7d20\uff1a\u5728\u4f4e\u5229\u7387\u3001\u9ad8\u901a\u8139\u7684\u74b0\u5883\u4e0b\u56de\u61c9\u5c0d\u66f4\u9ad8\u6536\u76ca\u7387\u7684\u9700\u6c42\uff1b\u5be6\u73fe\u653e\u5bec\u7ba1\u5236\u7684\u7af6\u9078\u627f\u8afe\uff1b\u4ee5\u53ca\u627f\u8a8d\u52a0\u5bc6\u8ca8\u5e63\u884c\u696d\u7684\u653f\u6cbb\u652f\u6301\uff0c\u800c\u7279\u6717\u666e\u7684\u5bb6\u65cf\u5728\u8a72\u884c\u696d\u6709\u6295\u8cc7\u3002<\/p>\n
\u6b64\u5916\uff0cETF \u7684\u6279\u51c6\u548c\u5168\u7403\u5408\u898f\u5316\u7684\u52aa\u529b\u52a0\u901f\u4e86\u52a0\u5bc6\u8ca8\u5e63\u5e02\u5834\u7684\u65e5\u76ca\u6a5f\u69cb\u5316\uff0c\u9019\u4e00\u653f\u7b56\u8f49\u8b8a\u8207\u6b64\u76f8\u4e00\u81f4\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u8a72\u547d\u4ee4\u5ee3\u6cdb\u6d89\u53ca \u300c\u53e6\u985e\u8cc7\u7522\u300d\uff0c\u5305\u62ec\u79c1\u52df\u80a1\u6b0a\u3001\u623f\u5730\u7522\u3001\u5546\u54c1\u548c\u6578\u5b57\u8ca8\u5e63\uff0c\u65e8\u5728\u70ba\u500b\u4eba\u6295\u8cc7\u8005\u63d0\u4f9b\u591a\u6a23\u5316\u7684\u6295\u8cc7\u9078\u64c7\u3002<\/p>\n
\u5f9e\u7981\u6b62\u5230\u5141\u8a31\u7684\u8f49\u8b8a\u4e0d\u50c5\u610f\u5473\u8457\u7f8e\u570b\u76e3\u7ba1\u7406\u5ff5\u7684\u653e\u5bec\uff0c\u4e5f\u53cd\u6620\u51fa\u8cc7\u672c\u5e02\u5834\u52d5\u614b\u7684\u6f14\u8b8a\u548c\u653f\u6cbb\u7684\u91cd\u65b0\u8abf\u6574\u3002<\/p>\n
### 3.\u5f71\u97ff\u6df1\u9060\uff1a\u9ad8\u98a8\u96aa\u5be6\u9a57\u7684\u958b\u59cb
\n\u5c07\u52a0\u5bc6\u8ca8\u5e63\u548c\u5176\u4ed6\u53e6\u985e\u8cc7\u7522\u7d0d\u5165 401(k) \u8a08\u5283\uff0c\u5728\u7f8e\u570b\u9000\u4f11\u5236\u5ea6\u4e2d\u555f\u52d5\u4e86\u524d\u6240\u672a\u6709\u7684\u9ad8\u98a8\u96aa\u5be6\u9a57\u3002\u5927\u898f\u6a21\u7684\u9000\u4f11\u91d1\u6d41\u5165\u53ef\u4ee5\u63d0\u9ad8\u5e02\u5834\u6d41\u52d5\u6027\u548c\u50f9\u683c\u7a69\u5b9a\u6027\uff0c\u540c\u6642\u5728\u653f\u5e9c\u548c\u52a0\u5bc6\u5e02\u5834\u4e4b\u9593\u5efa\u7acb\u5171\u751f\u95dc\u4fc2\uff1a\u96a8\u8457\u6578\u767e\u842c\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u5132\u84c4\u8207\u52a0\u5bc6\u8cc7\u7522\u639b\u9264\uff0c\u653f\u7b56\u5236\u5b9a\u8005\u53ef\u80fd\u6703\u611f\u5230\u6709\u5fc5\u8981\u78ba\u4fdd\u5e02\u5834\u7a69\u5b9a\uff0c\u52a0\u5feb\u76e3\u7ba1\u7684\u6e05\u6670\u5ea6\u548c\u6210\u719f\u5ea6\u3002<\/p>\n
\u5728\u653f\u6cbb\u4e0a\uff0c\u9019\u7a2e\u7d50\u76df\u53ef\u4ee5\u8d85\u8d8a\u9ee8\u6d3e\u7684\u8f49\u79fb\uff0c\u4f7f\u5c0d\u52a0\u5bc6\u8ca8\u5e63\u53cb\u597d\u7684\u653f\u7b56\u6210\u70ba\u4fdd\u8b77\u570b\u5bb6\u9000\u4f11\u5b89\u5168\u7684\u554f\u984c\u3002\u7136\u800c\uff0c\u9019\u5834\u8ced\u535a\u5e36\u4f86\u4e86\u5de8\u5927\u7684\u98a8\u96aa\u3002\u52a0\u5bc6\u8ca8\u5e63\u5e02\u5834\u5bb9\u6613\u51fa\u73fe\u6975\u7aef\u6ce2\u52d5\u3001\u6b3a\u8a50\u548c\u5b89\u5168\u6f0f\u6d1e\u3002\u56b4\u91cd\u7684\u5e02\u5834\u8870\u9000\u53ef\u80fd\u6703\u7834\u58de\u6578\u767e\u842c\u4eba\u7684\u9000\u4f11\u4fdd\u969c\uff0c\u5f15\u767c\u4fe1\u4efb\u5371\u6a5f\u548c\u6f5b\u5728\u7684\u653f\u5e9c\u5e72\u9810\u3002<\/p>\n
\u672c\u8cea\u4e0a\uff0c\u6b64\u8209\u53ef\u80fd\u6703\u63a8\u52d5\u52a0\u5bc6\u8ca8\u5e63\u9032\u5165\u6a5f\u69cb\u63a1\u7528\u548c\u5168\u9762\u76e3\u7ba1\u7684\u65b0\u6642\u4ee3\uff0c\u4e5f\u53ef\u80fd\u6703\u9069\u5f97\u5176\u53cd\uff0c\u5c0e\u81f4\u6b77\u53f2\u6027\u7684\u5be9\u67e5\u548c\u6279\u8a55\u3002<\/p>\n
### 4.\u984d\u5916\u7684\u89c0\u9ede\uff1a\u7a05\u52d9\u5ef6\u9072\u7684\u8ca1\u653f\u535a\u5f08
\n401(k) \u8a08\u5283\u5728\u5169\u7a2e\u7a05\u52d9\u67b6\u69cb\u4e0b\u904b\u4f5c\uff1a\u50b3\u7d71\u5e33\u6236\u4f7f\u7528\u7a05\u524d\u4f9b\u6b3e\uff0c\u63d0\u6b3e\u6642\u9808\u7e73\u7a05\uff1b\u7f85\u65af\u5e33\u6236\u4f7f\u7528\u7a05\u5f8c\u4f9b\u6b3e\uff0c\u5408\u683c\u63d0\u6b3e\u514d\u7a05\u3002\u9019\u5169\u7a2e\u6a21\u5f0f\u90fd\u5ef6\u9072\u4e86\u6295\u8cc7\u6536\u76ca\u7684\u7a05\u6536\u3002\u5c07\u52a0\u5bc6\u8cc7\u7522\u7d0d\u5165 401(k) \u8a08\u5283\uff0c\u53ef\u8b93\u6295\u8cc7\u8005\u5728\u7a05\u52d9\u512a\u60e0\u7684\u74b0\u5883\u4e0b\u62bc\u6ce8\u52a0\u5bc6\u8cc7\u7522\u7684\u9577\u671f\u589e\u9577\u3002<\/p>\n
\u8ca1\u653f\u5f71\u97ff\u985e\u4f3c\u65bc\u6642\u9593\u7a05\u535a\u5f08\u3002\u5c0d\u65bc\u50b3\u7d71\u5e33\u6236\u800c\u8a00\uff0c\u5982\u679c\u52a0\u5bc6\u8ca8\u5e63\u6295\u8cc7\u6210\u529f\uff0c\u73fe\u5728\u6e1b\u5c11\u7684\u61c9\u8ab2\u7a05\u6536\u5165\u53ef\u80fd\u6703\u5c0e\u81f4\u672a\u4f86\u7a05\u6536\u589e\u52a0\u3002\u76f8\u53cd\uff0c\u5e02\u5834\u5931\u6548\u53ef\u80fd\u6703\u5c07\u77ed\u671f\u7684\u7a05\u6536\u72a7\u7272\u8f49\u5316\u70ba\u9577\u671f\u7684\u8ca1\u653f\u8d64\u5b57\uff0c\u5f9e\u6536\u5165\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u9019\u4ee3\u8868\u4e86\u9019\u9805\u653f\u7b56\u7684\u6838\u5fc3\u98a8\u96aa\u548c\u4e0d\u78ba\u5b9a\u6027\u3002<\/p>\n
\u514d\u8cac\u8072\u660e\uff1a\u4f5c\u70ba\u4e00\u500b\u5340\u584a\u93c8\u8cc7\u8a0a\u5e73\u53f0\uff0c\u672c\u6587\u6240\u8868\u9054\u7684\u89c0\u9ede\u50c5\u5c6c\u65bc\u4f5c\u8005\u500b\u4eba\u89c0\u9ede\uff0c\u4e0d\u69cb\u6210\u6295\u8cc7\u5efa\u8b70\u6216\u8981\u7d04\u3002\u5efa\u8b70\u8b80\u8005\u9075\u5b88\u5404\u81ea\u570b\u5bb6\u6216\u5730\u5340\u7684\u76f8\u95dc\u6cd5\u5f8b\u6cd5\u898f\u3002<\/p>","protected":false},"excerpt":{"rendered":"
On August 7, Eastern Time, former President Donald Trump signed an executive order at the White House titled ‘Democratizing Access to Alternative Assets for 401(k) Investors.’ The order directs the Treasury Department, Labor Department, and Securities and Exchange Commission (SEC) to initiate rule changes that would permit 401(k) retirement plans to invest in cryptocurrencies, real […]<\/p>","protected":false},"author":1,"featured_media":3856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-insight"],"_links":{"self":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/posts\/3857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/comments?post=3857"}],"version-history":[{"count":0,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/posts\/3857\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/media\/3856"}],"wp:attachment":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/media?parent=3857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/categories?post=3857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/tags?post=3857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}