美國(guó)人是怎樣投資理財(cái)?shù)?/title> <meta name="keywords" content="美國(guó)人,怎樣,投資理財(cái),美國(guó)人,眼里,財(cái)產(chǎn),保護(hù),是與,投資,一樣," /> <meta name="description" content="在美國(guó)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(guó)的保險(xiǎn)市場(chǎng)非常成熟和規(guī)范。那么，美國(guó)人是怎樣投資理財(cái)?shù)? 投資理財(cái)一、退休基金在美國(guó)有各種退休金投資項(xiàng)目可以參與，常見(jiàn)的有公司為員工提供的退休理財(cái)計(jì)劃401K"/> <link rel="canonical" href="http://www.rzpgrj.com/"/> <meta http-equiv="Cache-Control" content="no-transform" /> <meta http-equiv="Cache-Control" content="no-siteapp" /> <script src="http://www.rzpgrj.com/public/js/head.js"></script> <link href="/public/css/article.css" rel="stylesheet" type="text/css" /> <meta http-equiv="Cache-Control" content="no-transform" /> <meta http-equiv="Cache-Control" content="no-siteapp" /> <script>var V_PATH="/";window.onerror=function(){ return true; };</script> </head> <body> <h1><a 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title="公共基礎(chǔ)知識(shí)">公共基礎(chǔ)知識(shí)</a></li> </ul> </nav> </div> </header> <div id="tmyyfroktkho" class="con main"> <div id="tmyyfroktkho" class="position"> <em class="iconfont ca icon-dingwei"></em> <a href='http://www.rzpgrj.com/'>學(xué)習(xí)啦</a> > <a href='http://www.rzpgrj.com/zhishi/'>知識(shí)大全</a> > <a href='http://www.rzpgrj.com/zhishi/zhishibaike/'>知識(shí)百科</a> > <a href='http://www.rzpgrj.com/zhishi/touzilicai/'>投資理財(cái)知識(shí)</a> > <span>美國(guó)人是怎樣投資理財(cái)?shù)?/span> </div> <div id="tmyyfroktkho" class="ar_con_nr"> <div id="tmyyfroktkho" class="con_l fl"> <article class="ar_con bg louti"> <div id="tmyyfroktkho" class="ar_title"> <h1>美國(guó)人是怎樣投資理財(cái)?shù)?/h1> <div id="tmyyfroktkho" class="ar_title_b"> <div id="tmyyfroktkho" class="sub_title clear"> <span id="tmyyfroktkho" class="sp2 c6 fl">時(shí)間：<time class="fxtime">2015-11-16 17:16:32</time></span> <span id="tmyyfroktkho" 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="tmyyfroktkho" class="fl arc_btn"></span> </div> </div> </div> <div id="tmyyfroktkho" class="y_ju"><script type="text/javascript">a("title");</script></div> <div id="tmyyfroktkho" class="con_article con_main" id="contentText"> <p>美國(guó)人是怎樣投資理財(cái)?shù)?/p><p> 　　在美國(guó)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(guó)的保險(xiǎn)市場(chǎng)非常成熟和規(guī)范。那么，美國(guó)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(guó)有各種退休金投資項(xiàng)目可以參與，常見(jiàn)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(huì)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(zhǎng)期的投資回報(bào)比較可觀，一般年收入十來(lái)萬(wàn)美元的中產(chǎn)家庭，經(jīng)過(guò)幾十年的理財(cái)投資，退休時(shí)退休基金賬號(hào)里有上百萬(wàn)美元是常事，從這一點(diǎn)上講美國(guó)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(mǎi)房、尤其是買(mǎi)自住房是美國(guó)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(wú)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(mǎi)房養(yǎng)老”成了在美國(guó)深受歡迎的投資法則，到老了動(dòng)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(guó)人普遍不愛(ài)儲(chǔ)蓄更愛(ài)買(mǎi)房。</p><p> 　　美國(guó)官方的統(tǒng)計(jì)數(shù)據(jù)顯示，美國(guó)家庭的平均儲(chǔ)蓄率雖不及4%，但卻有68%的家庭擁有自己的房屋，目前美國(guó)私人擁有的房地產(chǎn)總值已超過(guò)9萬(wàn)億美元，遠(yuǎn)高于其它類(lèi)別的私人資產(chǎn)。不過(guò)值得注意的是，美國(guó)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(wú)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(guó)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(guó)理財(cái)專(zhuān)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(guó)投資公司協(xié)會(huì)的調(diào)查數(shù)據(jù)顯示，目前美國(guó)約有52%的家庭共9300多萬(wàn)人持有共同基金，相當(dāng)平均每三個(gè)美國(guó)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(guó)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(guó)的保險(xiǎn)市場(chǎng)非常成熟和規(guī)范。保險(xiǎn)類(lèi)產(chǎn)品不僅能夠提供各類(lèi)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(lèi)保險(xiǎn)產(chǎn)品還可以參與家庭理財(cái)，尤其是對(duì)那些拖家?guī)Э诘囊鸦槿耸浚瑸榧胰俗龊脩?yīng)對(duì)突發(fā)事件的準(zhǔn)備是很重要保險(xiǎn)理財(cái)工具。美國(guó)常見(jiàn)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(wàn)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(wú)疑，外匯交易的投資風(fēng)險(xiǎn)是非常高的。但由于美國(guó)幣種的多樣化，加之美元可以直接參與交易，在美國(guó)無(wú)論是專(zhuān)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(dòng)，是一種高風(fēng)險(xiǎn)、高收益的投資方式。</p> </div> <div id="tmyyfroktkho" class="y_ju"><script type="text/javascript">a("conten");</script></div> <div id="tmyyfroktkho" class="pnum"> <ul id="page_slice"> <div id="tmyyfroktkho" class="clear"></div> </ul> </div> </article> <div id="tmyyfroktkho" class="list_hot ar_related bj_mt20 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