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target="_blank" title="公共基礎(chǔ)知識">公共基礎(chǔ)知識</a></li> </ul> </nav> </div> </header> <div id="pljv94n" class="con main"> <div id="or0vrqb" class="position"> <em class="iconfont ca icon-dingwei"></em> <a href='http://lpo831.com/'>學(xué)習(xí)啦</a> > <a href='http://lpo831.com/zhishi/'>知識大全</a> > <a href='http://lpo831.com/zhishi/zhishibaike/'>知識百科</a> > <a href='http://lpo831.com/zhishi/touzilicai/'>投資理財(cái)知識</a> > <span>美國人是怎樣投資理財(cái)?shù)?/span> </div> <div id="qtoj8ir" class="ar_con_nr"> <div id="5v9tbu2" class="con_l fl"> <article class="ar_con bg louti"> <div id="wzapnvq" class="ar_title"> <h1>美國人是怎樣投資理財(cái)?shù)?/h1> <div id="uxoucu3" class="ar_title_b"> <div id="40gg0pz" class="sub_title clear"> <span id="xijhoup" class="sp2 c6 fl">時(shí)間：<time class="fxtime">2015-11-16 17:16:32</time></span> <span id="3g4sx8g" class="sp1 c6 fl"><em id="zuozhe" class="noshow">東艷</em><em class="user_id noshow">656</em>由 <em class="nickname"></em> 分享</span> <span id="dob4m3p" class="fl arc_btn"></span> </div> </div> </div> <div id="sa9vlnq" class="y_ju"></div> <div id="rgvrhnt" class="con_article con_main" id="contentText"> <p>美國人是怎樣投資理財(cái)?shù)?/p><p> 　　在美國人眼里，財(cái)產(chǎn)保護(hù)是與投資是一樣重要的理財(cái)手段，所幸的是美國的保險(xiǎn)市場非常成熟和規(guī)范。那么，美國人是怎樣投資理財(cái)?shù)?</p><p><strong>　　投資理財(cái)一、　退休基金</strong></p><p> 　　在美國有各種退休金投資項(xiàng)目可以參與，常見的有公司為員工提供的退休理財(cái)計(jì)劃401K、政府機(jī)構(gòu)為雇員提供的401A、銀行為社會大眾提供的退休理財(cái)計(jì)劃IRA等，這些基金不僅有推遲繳稅(tax deferral)的稅收優(yōu)惠，而且廣泛采用了分散投資的原則，因此風(fēng)險(xiǎn)較低。</p><p> 　　由于其在退休前不能取出(如要強(qiáng)行提早取出需繳納罰款)，因此長期的投資回報(bào)比較可觀，一般年收入十來萬美元的中產(chǎn)家庭，經(jīng)過幾十年的理財(cái)投資，退休時(shí)退休基金賬號里有上百萬美元是常事，從這一點(diǎn)上講美國人不喜歡存款的習(xí)慣就好理解了，因?yàn)樗麄兊耐砟暌呀?jīng)有了充分的保障。</p><p><strong>　　投資理財(cái)二、房地產(chǎn)</strong></p><p> 　　買房、尤其是買自住房是美國大多數(shù)家庭的投資選擇。自住房的貸款利率低，房貸利息免稅，升值盈利部分無稅的額度較高，因此有投資少、風(fēng)險(xiǎn)小、預(yù)期穩(wěn)、能積累資產(chǎn)凈值(equity)等優(yōu)點(diǎn)，這讓“買房養(yǎng)老”成了在美國深受歡迎的投資法則，到老了動不了的時(shí)候還可以選擇把房子抵押給養(yǎng)老機(jī)構(gòu)后在那里被照顧到離世，也因此美國人普遍不愛儲蓄更愛買房。</p><p> 　　美國官方的統(tǒng)計(jì)數(shù)據(jù)顯示，美國家庭的平均儲蓄率雖不及4%，但卻有68%的家庭擁有自己的房屋，目前美國私人擁有的房地產(chǎn)總值已超過9萬億美元，遠(yuǎn)高于其它類別的私人資產(chǎn)。不過值得注意的是，美國房市因高昂的地產(chǎn)稅以及房屋交割時(shí)高達(dá)房屋總價(jià)6%左右的中介費(fèi)等因素，無形中增加了房屋的持有和交易的成本，自住兼投資保值(增值)比較劃算，但“炒”房卻比較難。</p><p><strong>　　投資理財(cái)三、金融理財(cái)</strong></p><p> 　　股票、中間基金、債券是美國三個(gè)比較主要的金融投資品種，其中股票風(fēng)險(xiǎn)較大，但回報(bào)較高，中間基金的風(fēng)險(xiǎn)和回報(bào)都比股票要低，而債券的風(fēng)險(xiǎn)和回報(bào)最低。遵循不能把所有的雞蛋放在同一個(gè)籃子里的分散投資原則，美國理財(cái)專家的流行投資建議是每個(gè)人的投資中應(yīng)包含股票、中間基金和債券三部分，以便分散風(fēng)險(xiǎn)，年輕時(shí)可以多冒一些險(xiǎn)因此股票比例高些，到了中年以后，就應(yīng)該采用比較保險(xiǎn)的投資策略而增加中間基金和債券的持有量，而臨近退休時(shí)，整個(gè)投資組合就應(yīng)該以債券為主，這樣比較保險(xiǎn)。</p><p> 　　在理財(cái)?shù)乃薪鹑诋a(chǎn)品中，共同基金是最受歡迎的理財(cái)方式，它已經(jīng)有一百多年的發(fā)展歷史，是一種非常成熟的大眾理財(cái)產(chǎn)品，美國投資公司協(xié)會的調(diào)查數(shù)據(jù)顯示，目前美國約有52%的家庭共9300多萬人持有共同基金，相當(dāng)平均每三個(gè)美國人中就有一個(gè)共同基金持有者。</p><p><strong>　　投資理財(cái)四、保險(xiǎn)理財(cái)</strong></p><p> 　　在美國人眼里，財(cái)產(chǎn)保護(hù)是與投資是一樣重要的理財(cái)手段，所幸的是美國的保險(xiǎn)市場非常成熟和規(guī)范。保險(xiǎn)類產(chǎn)品不僅能夠提供各類人們普遍認(rèn)知意義上的保險(xiǎn)產(chǎn)品，在家庭遭遇不幸時(shí)獲得免收入稅的賠償，且各類保險(xiǎn)產(chǎn)品還可以參與家庭理財(cái)，尤其是對那些拖家?guī)Э诘囊鸦槿耸?，為家人做好?yīng)對突發(fā)事件的準(zhǔn)備是很重要保險(xiǎn)理財(cái)工具。美國常見的保險(xiǎn)產(chǎn)品有“死亡賠償”(permanent life insurance)、“期限保險(xiǎn)的死亡賠償”(term)、“指數(shù)型萬能人壽保險(xiǎn)”(universal)和“變額年金保險(xiǎn)”(Variable Annuity Insurance)等。</p><p><strong>　　投資理財(cái)五、外匯交易</strong></p><p> 　　無疑，外匯交易的投資風(fēng)險(xiǎn)是非常高的。但由于美國幣種的多樣化，加之美元可以直接參與交易，在美國無論是專業(yè)機(jī)構(gòu)還是普通投資人，外匯交易的參與度是非常高的，它的收益主要取決于匯率波動，是一種高風(fēng)險(xiǎn)、高收益的投資方式。</p> </div> <div id="u9hekbh" class="y_ju"></div> <div id="nm9pvl8" class="pnum"> <ul id="page_slice"> <div id="rm58hky" class="clear"></div> </ul> </div> </article> <div id="uphxov3" class="list_hot ar_related bj_mt20 louti"> <h4 class="title2 title2_te">相關(guān)文章</h4> <ul class="bj_mt20"> <li id="xcjizwr" class="lb_3 chao"> <time>02-16</time> <a 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