{"id":546,"date":"2025-10-20T14:19:44","date_gmt":"2025-10-20T06:19:44","guid":{"rendered":"https:\/\/hsiang.cc\/?p=546"},"modified":"2025-10-20T14:20:10","modified_gmt":"2025-10-20T06:20:10","slug":"%e7%ad%89%e6%ac%8a%e9%87%8detf%e7%9c%9f%e7%9a%84%e6%af%94%e8%bc%83%e5%a5%bd%e5%97%8e%ef%bc%9frsp%e7%9a%84%e6%8a%95%e8%b3%87%e8%bf%b7%e6%80%9d","status":"publish","type":"post","link":"https:\/\/hsiang.cc\/?p=546","title":{"rendered":"\u7b49\u6b0a\u91cdETF\u771f\u7684\u6bd4\u8f03\u597d\u55ce\uff1fRSP\u7684\u6295\u8cc7\u8ff7\u601d"},"content":{"rendered":"<p>\u5728ETF\u6295\u8cc7\u5708\u4e2d\uff0c\u7e3d\u6709\u4e00\u7a2e\u8072\u97f3\uff1a\u300c\u5e02\u503c\u52a0\u6b0a\u6307\u6578\u904e\u5ea6\u96c6\u4e2d\u5728\u5927\u578b\u80a1\uff0c\u7b49\u6b0a\u91cd\u6307\u6578\u66f4\u5206\u6563\u3001\u66f4\u516c\u5e73\uff01\u300dInvesco S&amp;P 500 Equal Weight ETF\uff08RSP\uff09\u5c31\u662f\u9019\u500b\u7406\u5ff5\u7684\u4ee3\u8868\u7522\u54c1\u3002\u4f46\u7d93\u904e\u56b4\u8b39\u7684\u8499\u5730\u5361\u7f85\u6a21\u64ec\u5206\u6790\u5f8c\uff0c\u6211\u5011\u767c\u73fe\uff1a<strong>RSP\u7684\u8868\u73fe\u9060\u4e0d\u5982\u50b3\u7d71\u7684VOO\u6216VTI<\/strong>\u3002<\/p>\n<p>\u672c\u6587\u5c07\u7528\u6578\u64da\u8aaa\u8a71\uff0c\u63ed\u958b\u7b49\u6b0a\u91cdETF\u7684\u771f\u76f8\u3002<\/p>\n<hr \/>\n<h2>\u4e00\u3001\u4ec0\u9ebc\u662fRSP\uff1f<\/h2>\n<p><strong>RSP\uff08Invesco S&amp;P 500 Equal Weight ETF\uff09<\/strong><br \/>\n- \u8ffd\u8e64\u6a19\u666e500\u6307\u6578\uff0c\u4f46\u63a1\u7528\u300c\u7b49\u6b0a\u91cd\u300d\u914d\u7f6e<br \/>\n- \u6bcf\u5bb6\u516c\u53f8\u4f54\u6bd4\u76f8\u540c\uff08\u7d040.2%\uff09<br \/>\n- \u6bcf\u5b63\u5ea6\u91cd\u65b0\u5e73\u8861\uff0c\u7dad\u6301\u7b49\u6b0a\u91cd<br \/>\n- \u8cbb\u7528\u7387\uff1a<strong>0.20%<\/strong><\/p>\n<p><strong>\u5c0d\u6bd4\uff1aVOO\uff08Vanguard S&amp;P 500 ETF\uff09<\/strong><br \/>\n- \u540c\u6a23\u8ffd\u8e64\u6a19\u666e500\u6307\u6578\uff0c\u4f46\u63a1\u7528\u300c\u5e02\u503c\u52a0\u6b0a\u300d<br \/>\n- \u5927\u516c\u53f8\u4f54\u6bd4\u9ad8\uff08\u5982Apple\u7d047%\uff09<br \/>\n- \u81ea\u52d5\u5e73\u8861\uff0c\u7121\u9700\u983b\u7e41\u4ea4\u6613<br \/>\n- \u8cbb\u7528\u7387\uff1a<strong>0.03%<\/strong><\/p>\n<p><!--more--><\/p>\n<hr \/>\n<h2>\u4e8c\u300130\u5e74\u6295\u8cc7\u6a21\u64ec\uff1a\u6b98\u9177\u7684\u73fe\u5be6<\/h2>\n<p>\u6211\u5011\u4f7f\u7528\u8499\u5730\u5361\u7f85\u6a21\u64ec\uff0810,000\u6b21\uff09\uff0c\u4ee5$10,000\u521d\u59cb\u6295\u8cc7\uff0c\u6a21\u64ec30\u5e74\u5f8c\u7684\u7d50\u679c\uff1a<\/p>\n<h3>\ud83d\udcca \u6a21\u64ec\u7d50\u679c\u5c0d\u6bd4<\/h3>\n<table>\n<thead>\n<tr>\n<th>ETF<\/th>\n<th>\u4e2d\u4f4d\u6578<\/th>\n<th>\u5e73\u5747\u503c<\/th>\n<th>\u6700\u4f73\u60c5\u5883(90%)<\/th>\n<th>\u6700\u5dee\u60c5\u5883(10%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>VOO<\/strong><\/td>\n<td>$122,819<\/td>\n<td>$194,439<\/td>\n<td>$420,112<\/td>\n<td>$34,838<\/td>\n<\/tr>\n<tr>\n<td><strong>VTI<\/strong><\/td>\n<td>$110,550<\/td>\n<td>$189,609<\/td>\n<td>$415,011<\/td>\n<td>$29,504<\/td>\n<\/tr>\n<tr>\n<td><strong>RSP<\/strong><\/td>\n<td>$86,458<\/td>\n<td>$155,281<\/td>\n<td>$345,485<\/td>\n<td>$20,687<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\ud83d\udcb0 \u5dee\u8ddd\u6709\u591a\u5927\uff1f<\/h3>\n<p>\u4ee5\u4e2d\u4f4d\u6578\u8a08\u7b97\uff0c\u6295\u8cc7$10,000\u5728RSP\uff1a<br \/>\n- \u6bd4VOO <strong>\u5c11\u8cfa$36,361<\/strong>\uff08\u5c1130%\uff09<br \/>\n- \u6bd4VTI <strong>\u5c11\u8cfa$24,092<\/strong>\uff08\u5c1122%\uff09<\/p>\n<p><strong>\u63db\u7b97\u6210\u5be6\u969b\u91d1\u984d<\/strong>\uff1a\u5982\u679c\u4f60\u6295\u8cc7$100,000\uff0c30\u5e74\u5f8c\u53ef\u80fd\u5c11\u8cfa<strong>36\u842c\u7f8e\u5143<\/strong>\uff08\u7d04\u53f0\u5e631,150\u842c\uff09\uff01<\/p>\n<hr \/>\n<h2>\u4e09\u3001RSP\u70ba\u4ec0\u9ebc\u8868\u73fe\u4e0d\u4f73\uff1f<\/h2>\n<h3>\ud83d\udd34 \u554f\u984c1\uff1a\u8cbb\u7528\u7387\u4fb5\u8755\u7372\u5229<\/h3>\n<table>\n<thead>\n<tr>\n<th>ETF<\/th>\n<th>\u8cbb\u7528\u7387<\/th>\n<th>30\u5e74\u7d2f\u7a4d\u8cbb\u7528\u5dee\u7570<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>VOO<\/td>\n<td>0.03%<\/td>\n<td>\u57fa\u6e96<\/td>\n<\/tr>\n<tr>\n<td><strong>RSP<\/strong><\/td>\n<td><strong>0.20%<\/strong><\/td>\n<td><strong>\u591a\u4ed86.7\u500d\uff01<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u5be6\u969b\u5f71\u97ff<\/strong>\uff1a<br \/>\n- 0.17%\u7684\u8cbb\u7528\u5dee\u7570\u770b\u4f3c\u5fae\u5c0f<br \/>\n- \u4f46\u5728\u8907\u5229\u6548\u61c9\u4e0b\uff0c30\u5e74\u6703\u4fb5\u8755\u6578\u842c\u7f8e\u5143<br \/>\n- \u9019\u9084\u4e0d\u5305\u62ecRSP\u983b\u7e41\u518d\u5e73\u8861\u7684\u96b1\u85cf\u4ea4\u6613\u6210\u672c<\/p>\n<h3>\ud83d\udd34 \u554f\u984c2\uff1a\u98a8\u96aa\u66f4\u9ad8\uff0c\u5831\u916c\u66f4\u4f4e<\/h3>\n<p><strong>\u6307\u6a19\u8a73\u7d30\u6bd4\u8f03<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>\u98a8\u96aa\u6307\u6a19<\/th>\n<th>VOO<\/th>\n<th>RSP<\/th>\n<th>\u98a8\u96aa\u5dee\u7570<\/th>\n<th>\u7d50\u8ad6<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u8667\u640d\u6a5f\u7387<\/strong><\/td>\n<td>0.48%<\/td>\n<td>2.61%<\/td>\n<td>+443%<\/td>\n<td>RSP\u8667\u640d\u98a8\u96aa\u9ad85\u500d \u274c<\/td>\n<\/tr>\n<tr>\n<td><strong>\u4f4e\u65bc$50K\u6a5f\u7387<\/strong><\/td>\n<td>18.13%<\/td>\n<td>31.21%<\/td>\n<td>+72%<\/td>\n<td>RSP\u8868\u73fe\u4e0d\u4f73\u6a5f\u7387\u66f4\u9ad8 \u274c<\/td>\n<\/tr>\n<tr>\n<td><strong>\u6ce2\u52d5\u6027(\u6a19\u6e96\u5dee)<\/strong><\/td>\n<td>\u8f03\u4f4e<\/td>\n<td>\u6700\u9ad8<\/td>\n<td>\u660e\u986f\u66f4\u9ad8<\/td>\n<td>RSP\u50f9\u683c\u6ce2\u52d5\u66f4\u5287\u70c8 \u274c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u7d50\u8ad6\uff1aRSP\u5728\u6240\u6709\u98a8\u96aa\u6307\u6a19\u4e0a\u90fd\u8868\u73fe\u66f4\u5dee\uff0c\u8b49\u660e\u7b49\u6b0a\u91cd\u7b56\u7565\u4e0d\u4f46\u5831\u916c\u66f4\u4f4e\uff0c\u98a8\u96aa\u9084\u66f4\u9ad8\uff01<\/strong><\/p>\n<h3>\ud83d\udd34 \u554f\u984c3\uff1a\u932f\u5931\u5927\u578b\u79d1\u6280\u80a1\u7684\u6210\u9577\u5f15\u64ce<\/h3>\n<p>\u904e\u53bb20\u5e74\uff0c\u5e02\u5834\u5831\u916c\u4e3b\u8981\u7531\u300c\u4e03\u5de8\u982d\u300d\uff08Magnificent 7\uff09\u63a8\u52d5\uff1a<br \/>\n- Apple\u3001Microsoft\u3001Google\u3001Amazon\u3001Meta\u3001Tesla\u3001NVIDIA<\/p>\n<p><strong>\u5728VOO\u4e2d<\/strong>\uff1a<br \/>\n- \u9019\u4e9b\u516c\u53f8\u81ea\u7136\u4f54\u9ad8\u6b0a\u91cd\uff08\u5408\u8a08\u7d0430%\uff09<br \/>\n- \u81ea\u52d5\u6355\u6349\u79d1\u6280\u9769\u547d\u7684\u7d05\u5229 \u2705<\/p>\n<p><strong>\u5728RSP\u4e2d<\/strong>\uff1a<br \/>\n- \u6bcf\u5bb6\u516c\u53f8\u53ea\u4f540.2%<br \/>\n- \u628aApple\u7684\u6b0a\u91cd\u7a00\u91cb\u5230\u548c\u5c0f\u516c\u53f8\u4e00\u6a23 \u274c<br \/>\n- \u932f\u5931\u6700\u5f37\u52c1\u7684\u6210\u9577\u52d5\u80fd<\/p>\n<h3>\ud83d\udd34 \u554f\u984c4\uff1a\u983b\u7e41\u518d\u5e73\u8861\u7684\u96b1\u85cf\u6210\u672c<\/h3>\n<p>RSP\u6bcf\u5b63\u5ea6\u5fc5\u9808\u91cd\u65b0\u5e73\u8861\uff1a<br \/>\n- \u8ce3\u51fa\u8868\u73fe\u597d\u7684\u80a1\u7968\uff08\u6f32\u591a\u4e86\uff09<br \/>\n- \u8cb7\u5165\u8868\u73fe\u5dee\u7684\u80a1\u7968\uff08\u8dcc\u591a\u4e86\uff09<br \/>\n- \u7522\u751f\u4ea4\u6613\u6210\u672c\u548c\u7a05\u52d9\u8ca0\u64d4<br \/>\n- <strong>\u9055\u53cd\u300c\u8b93\u8d0f\u5bb6\u5954\u8dd1\u300d\u7684\u6295\u8cc7\u539f\u5247<\/strong><\/p>\n<hr \/>\n<h2>\u56db\u3001\u300c\u7b49\u6b0a\u91cd\u300d\u7406\u8ad6\u7684\u81f4\u547d\u7f3a\u9677<\/h2>\n<h3>\u7406\u8ad6\u4e0a\u7684\u5438\u5f15\u529b<\/h3>\n<p>\u652f\u6301\u8005\u5e38\u8aaa\uff1a<br \/>\n1. \u2713 \u907f\u514d\u904e\u5ea6\u96c6\u4e2d\u5728\u5c11\u6578\u5927\u516c\u53f8<br \/>\n2. \u2713 \u5c0f\u578b\u80a1\u6709\u66f4\u9ad8\u6210\u9577\u6f5b\u529b<br \/>\n3. \u2713 \u66f4\u300c\u6c11\u4e3b\u300d\u3001\u66f4\u5206\u6563<\/p>\n<h3>\u5be6\u52d9\u4e0a\u7684\u5931\u6557<\/h3>\n<p>\u4f46\u73fe\u5be6\u662f\uff1a<br \/>\n1. \u2717 <strong>\u5e02\u5834\u662f\u6709\u6548\u7684<\/strong>\uff1a\u5927\u516c\u53f8\u4e4b\u6240\u4ee5\u5927\uff0c\u662f\u56e0\u70ba\u5b83\u5011\u5275\u9020\u66f4\u591a\u50f9\u503c<br \/>\n2. \u2717 <strong>\u5c0f\u578b\u80a1\u6ea2\u50f9\u6d88\u5931<\/strong>\uff1a\u904e\u53bb20\u5e74\uff0c\u5927\u578b\u80a1\u8868\u73fe\u512a\u65bc\u5c0f\u578b\u80a1<br \/>\n3. \u2717 <strong>\u518d\u5e73\u8861\u6210\u672c\u9ad8\u6602<\/strong>\uff1a\u983b\u7e41\u4ea4\u6613\u4fb5\u8755\u5831\u916c<br \/>\n4. \u2717 <strong>\u8cbb\u7528\u7387\u592a\u9ad8<\/strong>\uff1a0.20%\u9060\u9ad8\u65bcVOO\u76840.03%<\/p>\n<hr \/>\n<h2>\u4e94\u3001\u5e02\u503c\u52a0\u6b0a\u7684\u667a\u6167<\/h2>\n<h3>\u70ba\u4ec0\u9ebcVOO\/VTI\u66f4\u597d\uff1f<\/h3>\n<h4>1. <strong>\u81ea\u52d5\u512a\u5316\u914d\u7f6e<\/strong><\/h4>\n<ul>\n<li>\u8868\u73fe\u597d\u7684\u516c\u53f8\u81ea\u7136\u589e\u52a0\u6b0a\u91cd<\/li>\n<li>\u8868\u73fe\u5dee\u7684\u516c\u53f8\u81ea\u7136\u6e1b\u5c11\u6b0a\u91cd<\/li>\n<li>\u7121\u9700\u4eba\u70ba\u5e72\u9810\uff0c\u9806\u61c9\u5e02\u5834\u898f\u5f8b<\/li>\n<\/ul>\n<h4>2. <strong>\u6975\u4f4e\u6210\u672c<\/strong><\/h4>\n<ul>\n<li>0.03%\u8cbb\u7528\u7387\u5e7e\u4e4e\u53ef\u5ffd\u7565<\/li>\n<li>\u4e0d\u9700\u983b\u7e41\u4ea4\u6613\uff0c\u7a05\u52d9\u6548\u7387\u9ad8<\/li>\n<li>30\u5e74\u7d2f\u7a4d\u5dee\u7570\u5de8\u5927<\/li>\n<\/ul>\n<h4>3. <strong>\u7d93\u904e\u6642\u9593\u9a57\u8b49<\/strong><\/h4>\n<ul>\n<li>\u6a19\u666e500\u5e02\u503c\u52a0\u6b0a\u6307\u6578\u904b\u884c\u8d85\u904e60\u5e74<\/li>\n<li>\u5e74\u5316\u5831\u916c\u7d0410%<\/li>\n<li>\u6253\u655790%\u4ee5\u4e0a\u7684\u4e3b\u52d5\u578b\u57fa\u91d1<\/li>\n<\/ul>\n<h4>4. <strong>\u6355\u6349\u5275\u65b0\u8da8\u52e2<\/strong><\/h4>\n<ul>\n<li>\u81ea\u52d5\u8ddf\u96a8\u7d93\u6fdf\u7d50\u69cb\u8b8a\u5316<\/li>\n<li>1980\u5e74\u4ee3\uff1a\u80fd\u6e90\u80a1\u4e3b\u5c0e \u2192 \u81ea\u52d5\u9ad8\u6b0a\u91cd<\/li>\n<li>2000\u5e74\u4ee3\uff1a\u79d1\u6280\u80a1\u5d1b\u8d77 \u2192 \u81ea\u52d5\u9ad8\u6b0a\u91cd<\/li>\n<li>2020\u5e74\u4ee3\uff1aAI\u9769\u547d \u2192 \u81ea\u52d5\u9ad8\u6b0a\u91cd<\/li>\n<\/ul>\n<hr \/>\n<h2>\u516d\u3001\u6578\u64da\u7e3d\u7d50\uff1a\u4e00\u76ee\u4e86\u7136\u7684\u5dee\u8ddd<\/h2>\n<h3>\u6295\u8cc7$10,000\uff0c30\u5e74\u5f8c\u7684\u671f\u671b\u503c<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u60c5\u5883<\/th>\n<th>VOO<\/th>\n<th>RSP<\/th>\n<th>\u4f60\u640d\u5931\u4e86...<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u4e2d\u4f4d\u6578<\/strong><\/td>\n<td>$122,819<\/td>\n<td>$86,458<\/td>\n<td><strong>-$36,361 (-30%)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u5e73\u5747\u503c<\/strong><\/td>\n<td>$194,439<\/td>\n<td>$155,281<\/td>\n<td><strong>-$39,158 (-20%)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u6700\u4f73\u60c5\u5883<\/strong><\/td>\n<td>$420,112<\/td>\n<td>$345,485<\/td>\n<td><strong>-$74,627 (-18%)<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u98a8\u96aa\u8abf\u6574\u5f8c\u5831\u916c<\/h3>\n<pre><code class=\"line-numbers\">\u590f\u666e\u6bd4\u7387\uff08\u5831\u916c\/\u98a8\u96aa\uff09\uff1a\nVOO &gt; VTI &gt;&gt; RSP\n\n\u7d50\u8ad6\uff1aVOO\u5728\u76f8\u540c\u98a8\u96aa\u4e0b\u63d0\u4f9b\u66f4\u9ad8\u5831\u916c\n<\/code><\/pre>\n<hr \/>\n<h2>\u4e03\u3001\u5e38\u898b\u53cd\u99c1\u8207\u56de\u61c9<\/h2>\n<h3>\u2753 \u53cd\u99c11\uff1a\u300c\u4f46RSP\u5728\u67d0\u4e9b\u5e74\u4efd\u8868\u73fe\u66f4\u597d\uff01\u300d<\/h3>\n<p><strong>\u56de\u61c9<\/strong>\uff1a<br \/>\n- \u662f\u7684\uff0c\u5728\u5c0f\u578b\u80a1\u4e3b\u5c0e\u7684\u5e74\u4efd\uff08\u59822000-2010\uff09\uff0cRSP\u53ef\u80fd\u77ed\u671f\u9818\u5148<br \/>\n- \u4f46\u9577\u671f30\u5e74\u6a21\u64ec\u986f\u793a\uff0cVOO\u5728<strong>\u4e2d\u4f4d\u6578\u3001\u5e73\u5747\u503c\u3001\u6700\u4f73\u60c5\u5883<\/strong>\u90fd\u52dd\u51fa<br \/>\n- \u6295\u8cc7\u4e0d\u662f\u8ced\u77ed\u671f\uff0c\u800c\u662f\u8ffd\u6c42\u9577\u671f\u7a69\u5b9a\u5831\u916c<\/p>\n<h3>\u2753 \u53cd\u99c12\uff1a\u300c\u7b49\u6b0a\u91cd\u66f4\u5206\u6563\uff0c\u98a8\u96aa\u66f4\u4f4e\uff01\u300d<\/h3>\n<p><strong>\u56de\u61c9<\/strong>\uff1a<br \/>\n- \u6578\u64da\u986f\u793a\u76f8\u53cd\uff1aRSP\u7684\u8667\u640d\u6a5f\u7387\u662fVOO\u7684<strong>5\u500d<\/strong>\uff082.61% vs 0.48%\uff09<br \/>\n- \u6ce2\u52d5\u6027\uff08\u6a19\u6e96\u5dee\uff09\u4e5f\u66f4\u9ad8<br \/>\n- \u300c\u5206\u6563\u300d\u4e0d\u7b49\u65bc\u300c\u964d\u4f4e\u98a8\u96aa\u300d\uff0c\u95dc\u9375\u662f\u5206\u6563\u5728<strong>\u512a\u8cea\u8cc7\u7522<\/strong><\/p>\n<h3>\u2753 \u53cd\u99c13\uff1a\u300c\u6211\u4e0d\u60f3\u904e\u5ea6\u96c6\u4e2d\u5728\u79d1\u6280\u80a1\uff01\u300d<\/h3>\n<p><strong>\u56de\u61c9<\/strong>\uff1a<br \/>\n- VOO\u7684\u79d1\u6280\u80a1\u4f54\u6bd4\u7d0430%\uff0c\u4e0d\u662f100%<br \/>\n- \u9019\u662f\u5e02\u5834\u81ea\u7136\u9078\u64c7\u7684\u7d50\u679c\uff0c\u53cd\u6620\u7576\u524d\u7d93\u6fdf\u7d50\u69cb<br \/>\n- \u5982\u679c\u79d1\u6280\u80a1\u8870\u9000\uff0cVOO\u6703\u81ea\u52d5\u964d\u4f4e\u5176\u6b0a\u91cd<br \/>\n- \u4eba\u70ba\u300c\u5e73\u5747\u5206\u914d\u300d\u53cd\u800c\u9055\u53cd\u5e02\u5834\u898f\u5f8b<\/p>\n<hr \/>\n<h2>\u516b\u3001\u7d50\u8ad6\uff1a\u7c21\u55ae\u5c31\u662f\u7f8e<\/h2>\n<h3>\ud83c\udfaf \u6838\u5fc3\u89c0\u9ede<\/h3>\n<ol>\n<li><strong>RSP\u7684\u300c\u7b49\u6b0a\u91cd\u300d\u6982\u5ff5\u807d\u8d77\u4f86\u5f88\u5438\u5f15\u4eba\uff0c\u4f46\u5be6\u969b\u8868\u73fe\u4ee4\u4eba\u5931\u671b<\/strong><\/li>\n<li><strong>\u66f4\u9ad8\u7684\u8cbb\u7528 + \u66f4\u9ad8\u7684\u98a8\u96aa + \u66f4\u4f4e\u7684\u5831\u916c = \u4e0d\u503c\u5f97\u6295\u8cc7<\/strong><\/li>\n<li><strong>\u5e02\u503c\u52a0\u6b0a\u6307\u6578\uff08VOO\/VTI\uff09\u4e4b\u6240\u4ee5\u6210\u70ba\u4e3b\u6d41\uff0c\u662f\u56e0\u70ba\u5b83\u5011\u771f\u7684\u6709\u6548<\/strong><\/li>\n<\/ol>\n<h3>\u2705 \u6700\u4f73\u9078\u64c7<\/h3>\n<p>\u5c0d\u65bc\u7d55\u5927\u591a\u6578\u9577\u671f\u6295\u8cc7\u8005\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>ETF<\/th>\n<th>\u9069\u5408\u5c0d\u8c61<\/th>\n<th>\u6838\u5fc3\u512a\u52e2<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>VOO<\/strong><\/td>\n<td>\u60f3\u6295\u8cc7\u7f8e\u570b\u5927\u578b\u80a1<\/td>\n<td>\u8cbb\u7528\u6700\u4f4e\u3001\u6d41\u52d5\u6027\u6700\u4f73<\/td>\n<\/tr>\n<tr>\n<td><strong>VTI<\/strong><\/td>\n<td>\u60f3\u6db5\u84cb\u5168\u7f8e\u80a1\u5e02<\/td>\n<td>\u5305\u542b\u4e2d\u5c0f\u578b\u80a1\u3001\u66f4\u5206\u6563<\/td>\n<\/tr>\n<tr>\n<td><del>RSP<\/del><\/td>\n<td><del>\u7121<\/del><\/td>\n<td><del>\u4e0d\u63a8\u85a6<\/del><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\ud83d\udca1 \u6295\u8cc7\u667a\u6167<\/h3>\n<blockquote><p>\n  <strong>\u300c\u4e0d\u8981\u8a66\u5716\u6bd4\u5e02\u5834\u66f4\u8070\u660e\u3002\u5e02\u503c\u52a0\u6b0a\u6307\u6578\u5df2\u7d93\u662f\u6700\u6709\u6548\u7684\u914d\u7f6e\u65b9\u5f0f\u3002\u300d<\/strong><br \/>\n  \u2014\u2014 \u7d04\u7ff0\u00b7\u67cf\u683c\uff08Vanguard\u5275\u8fa6\u4eba\uff09\n<\/p><\/blockquote>\n<hr \/>\n<h2>\u9644\u9304\uff1a\u6a21\u64ec\u65b9\u6cd5\u8aaa\u660e<\/h2>\n<p>\u672c\u6587\u4f7f\u7528<strong>\u8499\u5730\u5361\u7f85\u6a21\u64ec<\/strong>\uff08Monte Carlo Simulation\uff09\uff1a<br \/>\n- <strong>\u6a21\u64ec\u6b21\u6578<\/strong>\uff1a10,000\u6b21<br \/>\n- <strong>\u6295\u8cc7\u671f\u9593<\/strong>\uff1a30\u5e74<br \/>\n- <strong>\u521d\u59cb\u672c\u91d1<\/strong>\uff1a$10,000<br \/>\n- <strong>\u6578\u64da\u4f86\u6e90<\/strong>\uff1a\u6b77\u53f2\u5831\u916c\u7387\u8207\u6ce2\u52d5\u6027<br \/>\n- <strong>\u5047\u8a2d<\/strong>\uff1a\u5831\u916c\u7387\u5448\u5e38\u614b\u5206\u4f48\uff08\u5be6\u969b\u5e02\u5834\u53ef\u80fd\u6709\u80a5\u5c3e\u6548\u61c9\uff09<\/p>\n<p>\u9019\u662f\u91d1\u878d\u754c\u5ee3\u6cdb\u4f7f\u7528\u7684\u98a8\u96aa\u8a55\u4f30\u65b9\u6cd5\uff0c\u80fd\u63d0\u4f9b\u6bd4\u55ae\u4e00\u6b77\u53f2\u56de\u6e2c\u66f4\u5168\u9762\u7684\u8996\u89d2\u3002<\/p>\n<hr \/>\n<h2>\u53c3\u8003\u8cc7\u6599<\/h2>\n<ol>\n<li>Vanguard Research: \"The Case for Index-Fund Investing\"<\/li>\n<li>S&amp;P Dow Jones Indices: \"SPIVA Scorecard\"<\/li>\n<li>Morningstar: \"Equal-Weight Indexing: A Flawed Strategy\"<\/li>\n<li>\u672c\u6587\u6a21\u64ec\u6578\u64da\uff1a\u57fa\u65bc\u6b77\u53f2\u5831\u916c\u7387\u7684\u8499\u5730\u5361\u7f85\u5206\u6790<\/li>\n<\/ol>\n<hr \/>\n<p><strong>\u514d\u8cac\u8072\u660e<\/strong>\uff1a\u672c\u6587\u50c5\u4f9b\u6559\u80b2\u76ee\u7684\uff0c\u4e0d\u69cb\u6210\u6295\u8cc7\u5efa\u8b70\u3002\u6295\u8cc7\u6709\u98a8\u96aa\uff0c\u8acb\u6839\u64da\u81ea\u8eab\u60c5\u6cc1\u8b39\u614e\u6c7a\u7b56\u3002<\/p>\n<hr \/>\n<p><strong>\u4f5c\u8005\u7d50\u8a9e<\/strong><\/p>\n<p>\u6295\u8cc7\u6700\u5927\u7684\u6575\u4eba\u4e0d\u662f\u5e02\u5834\uff0c\u800c\u662f\u300c\u904e\u5ea6\u8070\u660e\u300d\u3002RSP\u8a66\u5716\u6539\u9032\u5e02\u503c\u52a0\u6b0a\u6307\u6578\uff0c\u4f46\u7d50\u679c\u8b49\u660e\uff1a<strong>\u7c21\u55ae\u3001\u4f4e\u6210\u672c\u3001\u9806\u61c9\u5e02\u5834\u7684\u7b56\u7565\uff0c\u624d\u662f\u9577\u671f\u81f4\u52dd\u4e4b\u9053<\/strong>\u3002<\/p>\n<p>\u9078\u64c7VOO\u6216VTI\uff0c\u6301\u7e8c\u5b9a\u671f\u5b9a\u984d\uff0c\u8010\u5fc3\u7b49\u5f85\u8907\u5229\u767c\u9175\u2014\u2014\u9019\u5c31\u662f\u666e\u901a\u4eba\u4e5f\u80fd\u5be6\u73fe\u8ca1\u5bcc\u81ea\u7531\u7684\u6700\u4f73\u8def\u5f91\u3002\ud83d\ude80<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728ETF\u6295\u8cc7\u5708\u4e2d\uff0c\u7e3d\u6709\u4e00\u7a2e\u8072\u97f3\uff1a\u300c\u5e02\u503c\u52a0\u6b0a\u6307\u6578\u904e\u5ea6\u96c6\u4e2d\u5728\u5927\u578b\u80a1\uff0c\u7b49\u6b0a\u91cd\u6307\u6578\u66f4\u5206\u6563 &hellip; <a href=\"https:\/\/hsiang.cc\/?p=546\">\u95b1\u8b80\u5168\u6587 <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14],"tags":[548,541,543,544,546,545,542,547],"class_list":{"0":"post-546","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"hentry","6":"category-14","7":"tag-etf","8":"tag-rsp-etf","9":"tag-voo","10":"tag-vti","11":"tag-546","12":"tag-500etf","14":"tag-547"},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/hsiang.cc\/index.php?rest_route=\/wp\/v2\/posts\/546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hsiang.cc\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hsiang.cc\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hsiang.cc\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hsiang.cc\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=546"}],"version-history":[{"count":3,"href":"https:\/\/hsiang.cc\/index.php?rest_route=\/wp\/v2\/posts\/546\/revisions"}],"predecessor-version":[{"id":549,"href":"https:\/\/hsiang.cc\/index.php?rest_route=\/wp\/v2\/posts\/546\/revisions\/549"}],"wp:attachment":[{"href":"https:\/\/hsiang.cc\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hsiang.cc\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hsiang.cc\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}