{"id":3053,"date":"2025-07-18T11:31:25","date_gmt":"2025-07-18T03:31:25","guid":{"rendered":"https:\/\/www.hongkongservice.hk\/?page_id=3053"},"modified":"2026-02-18T17:39:27","modified_gmt":"2026-02-18T09:39:27","slug":"earlier-retirement-preparation-save-half-costs","status":"publish","type":"page","link":"https:\/\/www.hongkongservice.hk\/sc\/hong-kong-insurance\/useful-information\/earlier-retirement-preparation-save-half-costs\/","title":{"rendered":"\u6bcf\u65e9\u5341\u5e74\u51c6\u5907\uff0c\u9000\u4f11\u6210\u672c\u51cf\u534a"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-2859 size-large\" src=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-1024x683.jpg\" alt=\"\u9999\u6e2f\u5b8f\u5229\u6b72\u7a05\u6a02\u4eab\u5ef6\u671f\u5e74\u91d1 (ManuLeisure)\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-1024x683.jpg 1024w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-300x200.jpg 300w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-768x512.jpg 768w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-1536x1024.jpg 1536w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-2048x1365.jpg 2048w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-18x12.jpg 18w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/06\/\u9577\u8005\u751f\u6d3b16-1170x780.jpg 1170w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h1>\u6bcf\u65e9\u5341\u5e74\u51c6\u5907\uff0c\u9000\u4f11\u6210\u672c\u51cf\u534a<\/h1>\n<p class=\"ds-markdown-paragraph\">\u6839\u636e\u300c\u590d\u5229\u6548\u5e94\u300d\u548c\u300c\u65f6\u95f4\u6210\u672c\u300d\u7684\u8d22\u52a1\u539f\u7406\uff0c\u6bcf\u63d0\u65e9\u5341\u5e74\u5f00\u59cb\u51c6\u5907\u9000\u4f11\uff0c\u53ef\u5927\u5e45\u964d\u4f4e\u6240\u9700\u6210\u672c\u3002\u4ee5\u4e0b\u662f\u5177\u4f53\u6570\u636e\u548c\u6765\u6e90\u5206\u6790\uff1a<\/p>\n<hr \/>\n<h3><strong>1. \u6743\u5a01\u7814\u7a76\u6570\u636e<\/strong><\/h3>\n<h4><strong>a. \u7f8e\u56fd\u56fd\u5bb6\u7ecf\u6d4e\u7814\u7a76\u5c40\uff08NBER\uff09\u7814\u7a76<\/strong><\/h4>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u7ed3\u8bba<\/strong>\uff1a\u6bcf\u63d0\u65e910\u5e74\u5f00\u59cb\u50a8\u84c4\u9000\u4f11\u91d1\uff0c\u53ef\u51cf\u5c11\u7ea6\u00a0<strong>50%<\/strong>\u00a0\u7684\u603b\u6210\u672c\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u539f\u56e0<\/strong>\uff1a\u590d\u5229\u6548\u5e94\u4f7f\u65e9\u671f\u6295\u8d44\u7684\u6536\u76ca\u968f\u65f6\u95f4\u6307\u6570\u589e\u957f\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u4e3e\u4f8b<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\">\u82e5\u4ece25\u5c81\u5f00\u59cb\u6bcf\u6708\u5b58500\u7f8e\u5143\uff08\u5047\u8bbe\u5e74\u5316\u62a5\u916c\u73877%\uff09\uff0c\u523065\u5c81\u53ef\u7d2f\u79ef\u7ea6 <strong>140\u4e07\u7f8e\u5143<\/strong>\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\">\u82e5\u4ece35\u5c81\u5f00\u59cb\uff0c\u9700\u6bcf\u6708\u5b58\u7ea6\u00a0<strong>1,000\u7f8e\u5143<\/strong>\u00a0\u624d\u80fd\u8fbe\u5230\u76f8\u540c\u76ee\u6807\uff08\u6210\u672c\u589e\u52a0100%\uff09\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u4f86\u6e90<\/strong>\uff1a<br>\r\n<a href=\"https:\/\/www.nber.org\/papers\/w24198\" target=\"_blank\" rel=\"noopener noreferrer\">NBER Working Paper on Retirement Savings<\/a>\uff08\u9700\u4ed8\u8cbb\uff0c\u6458\u8981\u53ef\u516c\u958b\u67e5\u95b1\uff09\u3002<\/p>\n<\/li>\n<\/ul>\n<h4><strong>b. \u5bcc\u8fbe\u6295\u8d44\uff08Fidelity\uff09\u6a21\u578b<\/strong><\/h4>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u5efa\u8bae<\/strong>\uff1a\u4ece25\u5c81\u8d77\uff0c\u6bcf\u5e74\u50a8\u84c4\u5e74\u85aa\u768415%\uff0c\u53ef\u572867\u5c81\u9000\u4f11\u65f6\u7ef4\u6301\u751f\u6d3b\u6c34\u5e73\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u82e5\u5ef6\u8fdf10\u5e74\uff0835\u5c81\u5f00\u59cb\uff09<\/strong>\uff1a\u9700\u5c06\u50a8\u84c4\u7387\u63d0\u9ad8\u81f3\u00a0<strong>\u5e74\u85aa\u768425%<\/strong>\uff08\u6210\u672c\u589e\u52a0\u7ea667%\uff09\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u6765\u6e90<\/strong>\uff1a<br \/>\n<a href=\"https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire\" target=\"_blank\" rel=\"noopener noreferrer\">Fidelity\u2019s Retirement Savings Guidelines<\/a>.<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<h3><strong>2. \u5b66\u672f\u8ba1\u7b97\u6a21\u578b\uff084%\u6cd5\u5219\uff09<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u5047\u8bbe<\/strong>\uff1a\u9000\u4f11\u540e\u6bcf\u5e74\u63d0\u53d6\u6295\u8d44\u7ec4\u5408\u76844%\u4f5c\u4e3a\u751f\u6d3b\u8d39\uff08\u901a\u80c0\u8c03\u6574\u540e\uff09\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u6570\u636e<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>30\u5c81\u5f00\u59cb<\/strong>\uff1a\u6bcf\u6708\u5b58500\u7f8e\u5143\uff0c65\u5c81\u65f6\u7d2f\u79ef\u7ea6\u00a0<strong>120\u4e07\u7f8e\u5143<\/strong>\uff08\u5047\u8bbe\u5e74\u53167%\u62a5\u916c\uff09\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>40\u5c81\u5f00\u59cb<\/strong>\uff1a\u9700\u6bcf\u6708\u5b58\u00a0<strong>1,100\u7f8e\u5143<\/strong>\u00a0\u8fbe\u5230\u76f8\u540c\u76ee\u6807\uff08\u6210\u672c\u589e\u52a0120%\uff09\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u6765\u6e90<\/strong>\uff1a<br>\nTrinity Study\uff081998\uff09\uff0c<a href=\"https:\/\/www.aaii.com\/journal\/article\/retirement-savings-choosing-a-withdrawal-rate-that-is-sustainable\" target=\"_blank\" rel=\"noopener noreferrer\">\u5ef6\u4f38\u9605\u8bfb<\/a>\u3002<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<h3><strong>3. \u5173\u952e\u56e0\u7d20\u5206\u6790<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u8907\u5229\u6548\u61c9<\/strong>\uff1a<br>\r\n\u516c\u5f0f\uff1a<code>FV = PV \u00d7 (1 + r)^n<\/code><\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><code>FV<\/code>\uff1a\u672a\u6765\u4ef7\u503c\uff0c<code>PV<\/code>\uff1a\u73b0\u503c\uff0c<code>r<\/code>\uff1a\u5e74\u5316\u62a5\u916c\u7387\uff0c<code>n<\/code>\uff1a\u5e74\u6570\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\">\u82e5\u62a5\u916c\u73877%\uff0c10\u5e74\u5dee\u5f02\u53ef\u4f7f\u7ec8\u503c\u76f8\u5dee\u8fd1\u00a0<strong>1\u500d<\/strong>\uff08\u89c1\u4e0b\u8868\u793a\u4f8b\uff09\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"markdown-table-wrapper\">\n<table>\n<thead>\n<tr>\n<th>\u5f00\u59cb\u5e74\u9f84<\/th>\n<th>\u6bcf\u6708\u6295\u5165<\/th>\n<th>65\u5c81\u7ec8\u503c\uff08\u5047\u8bbe7%\u62a5\u916c\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>25\u5c81<\/td>\n<td>$500<\/td>\n<td>~$140\u4e07<\/td>\n<\/tr>\n<tr>\n<td>35\u5c81<\/td>\n<td>$500<\/td>\n<td>~$68\u4e07\uff08\u9700\u8865\u8db3\u5dee\u989d\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u901a\u80c0\u5f71\u54cd<\/strong>\uff1a\u5ef6\u8fdf\u50a8\u84c4\u9700\u66f4\u9ad8\u7684\u540d\u4e49\u91d1\u989d\u4ee5\u62b5\u6d88\u8d2d\u4e70\u529b\u4e0b\u964d\u3002<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<h3><strong>\u4e3a\u4f55\u4f7f\u75287%\uff1f<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u4fdd\u5b88\u6027<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">7%\u662f\u901a\u80c0\u8c03\u6574\u540e\u7684\u5b9e\u8d28\u62a5\u916c\u7387\uff08\u540d\u4e49\u62a5\u916c\u7387\u7ea69\u201310%\uff09\uff0c\u5df2\u8003\u8651\u5e02\u573a\u6ce2\u52a8\u548c\u901a\u80c0\u98ce\u9669\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u590d\u5229\u8ba1\u7b97\u5408\u7406\u6027<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">\u8fc7\u9ad8\u62a5\u916c\u7387\uff08\u598210%\uff09\u53ef\u80fd\u4f4e\u4f30\u98ce\u9669\uff0c\u8fc7\u4f4e\uff08\u59824%\uff09\u5219\u53ef\u80fd\u9ad8\u4f30\u6240\u9700\u6210\u672c\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr \/>\n<h3><strong>4. \u7ed3\u8bba\u4e0e\u5efa\u8bae<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u8282\u7701\u6bd4\u4f8b<\/strong>\uff1a\u6bcf\u65e9\u5341\u5e74\u51c6\u5907\uff0c\u5e74\u5316\u62a5\u916c\u73875%\u60c5\u51b5\u4e0b\u7ea6\u51cf\u5c11 <strong>50%~70%<\/strong> \u603b\u6210\u672c\uff08\u89c6\u62a5\u916c\u7387\u4e0e\u50a8\u84c4\u91d1\u989d\uff09\uff0c\u5982\u66f4\u4fdd\u5b88\u5e74\u5316\u62a5\u916c\u73875%\u60c5\u51b5\u4e0b\uff0c\u6bcf\u65e910\u5e74\u51c6\u5907\uff0c\u6210\u672c\u964d\u4f4e\u7ea6\u00a0<strong>35\u201340% <\/strong>\u603b\u6210\u672c\uff0c\u8282\u7701\u7387\u90fd\u662f\u76f8\u5f53\u60ca\u4eba\uff01<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u5177\u4f53\u884c\u52a8<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">25\u5c81\u8d77\u6bcf\u6708\u5b58\u85aa\u8d44\u768415%\uff0c\u6bd435\u5c81\u5b5825%\u66f4\u8f7b\u677e\u3002<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">\u5229\u7528\u7a0e\u4f18\u5e10\u6237\uff08\u5982\u7f8e\u56fd401(k)\u3001\u53f0\u6e7e\u52b3\u9000\u81ea\u63d0\uff09\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"ds-markdown-paragraph\"><strong>\u63a8\u8350\u5de5\u5177<\/strong>\uff1a<br \/>\n<a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\" target=\"_blank\" rel=\"noopener noreferrer\">Compound Interest Calculator\uff08Investor.gov\uff09<\/a>\u00a0\u53ef\u81ea\u884c\u8bd5\u7b97\u3002<\/p>\n<p class=\"ds-markdown-paragraph translation-block\">\u6ce8\uff1a\u5b9e\u9645\u8282\u7701\u6bd4\u4f8b\u56e0\u5e02\u573a\u6ce2\u52a8\u3001\u4e2a\u4eba\u98ce\u9669\u627f\u53d7\u5ea6\u800c\u5f02\uff0c\u6b22\u8fce\u54a8\u8be2<a href=\"https:\/\/www.hongkongservice.hk\/sc\/contact-us\/\" target=\"_self\">\u6211\u4eec\u7684\u4e13\u4e1a\u987e\u95ee<\/a>\u3002<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><a href=\"https:\/\/www.hongkongservice.hk\/sc\/disclaimer\/\">\u514d\u8d23\u58f0\u660e<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h3><a href=\"https:\/\/www.hongkongservice.hk\/sc\/contact-us\/\">\u514d\u8d39\u54a8\u8be2\u6211\u4eec\u7684\u4e13\u4e1a\u987e\u95ee\uff0c\u4e3a\u60a8\u7b56\u200b\u200b\u5212\u6700\u5408\u9002\u65b9\u6848\uff01<\/a><\/h3>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center wpb_content_element\">\n\t\t<h2 class=\"wpb_heading wpb_singleimage_heading\">WhatsApp<\/h2>\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<a href=\"https:\/\/wa.me\/85252316204?text=%E6%82%A8%E5%A5%BD%EF%BC%8C%E9%A6%99%E6%B8%AF%E5%84%AA%E8%B3%AA%E6%9C%8D%E5%8B%99%E6%8C%87%E5%8D%97\" target=\"_self\" class=\"vc_single_image-wrapper   vc_box_border_grey\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/whatsapp-150x150.jpg\" class=\"vc_single_image-img attachment-thumbnail\" alt=\"\u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357WhatsApp\" title=\"\u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357WhatsApp\" srcset=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/whatsapp-150x150.jpg 150w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/whatsapp-300x300.jpg 300w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/whatsapp-12x12.webp 12w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/whatsapp-100x100.jpg 100w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/whatsapp.webp 452w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/a><figcaption class=\"vc_figure-caption\">WhatsApp: +852 52316204<\/figcaption>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center wpb_content_element\">\n\t\t<h2 class=\"wpb_heading wpb_singleimage_heading\">\u5fae\u4fe1<\/h2>\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/wechat-1-150x150.jpg\" class=\"vc_single_image-img attachment-thumbnail\" alt=\"\u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357\u5fae\u4fe1\" title=\"\u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357\u5fae\u4fe1\" srcset=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/wechat-1-150x150.jpg 150w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/wechat-1-300x300.jpg 300w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/wechat-1-12x12.webp 12w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/wechat-1-100x100.jpg 100w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/wechat-1.jpg 452w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><figcaption class=\"vc_figure-caption\">\u5fae\u4fe1: hk-guide<\/figcaption>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center wpb_content_element\">\n\t\t<h2 class=\"wpb_heading wpb_singleimage_heading\">QQ<\/h2>\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<a href=\"http:\/\/wpa.qq.com\/msgrd?v=3&#038;uin=3995431573&#038;site=qq&#038;menu=yes\" target=\"_self\" class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/qq-150x150.jpg\" class=\"vc_single_image-img attachment-thumbnail\" alt=\"\u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357QQ\" title=\"\u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357QQ\" srcset=\"https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/qq-150x150.jpg 150w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/qq-300x300.jpg 300w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/qq-12x12.webp 12w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/qq-100x100.jpg 100w, https:\/\/www.hongkongservice.hk\/wp-content\/uploads\/2025\/02\/qq.jpg 452w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/a><figcaption class=\"vc_figure-caption\">QQ: 3995431573<\/figcaption>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>\u5206\u4eab\u672c\u6587:<\/strong><br \/>\n<div class=\"sharethis-inline-share-buttons\" ><\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>#\u9999\u6e2f\u9000\u4f11\u4fdd\u969c #\u9999\u6e2f\u9000\u4f11\u51c6\u5907 #\u9999\u6e2f\u9000\u4f11\u7b56\u5212\u00a0 #\u9999\u6e2f\u9000\u4f11\u8ba1\u5212 #\u5b89\u8001\u665a\u5e74 #\u9000\u4f11\u4e09\u5b9d #\u9000\u4f113\u5b9d #\u9999\u6e2f\u5e74\u91d1\u8ba1\u5212 #\u9999\u6e2f\u81ea\u613f\u533b\u4fdd #VHIS #Voluntary-Health-Insurance-Scheme #\u5206\u7ea2\u50a8\u84c4\u4fdd\u9669 #MPF\u4e0d\u8db3 #\u5f3a\u79ef\u91d1\u4e0d\u8db3 #\u9000\u4f11\u73b0\u91d1\u6d41 #\u6263\u7a0e\u4fdd\u9669 #\u9999\u6e2f\u5ef6\u671f\u5e74\u91d1 #QDAP #Qualifying-Deferred-Annuity-Policy #\u5408\u8d44\u683c\u5ef6\u671f\u5e74\u91d1 #\u53ef\u6263\u7a0e\u4e09\u5b9d #\u4f4f\u9662\u4fdd\u9669 #\u4f4f\u9662\u533b\u4fdd #\u81ea\u5236\u957f\u7cae #\u957f\u671f\u56de\u62a5 #\u9000\u4f11\u65e0\u5fe7 #\u533b\u7597\u65e0\u5fe7 #\u957f\u5bff\u98ce\u9669 #\u5b89\u4eab\u665a\u5e74 #\u957f\u671f\u9000\u4f11\u6536\u5165 #\u957f\u671f\u9000\u4f11\u88ab\u52a8\u6536\u5165 #\u9999\u6e2f\u9ad8\u9f84\u6d25\u8d34 #\u9999\u6e2f\u751f\u679c\u91d1\u00a0 #\u9999\u6e2f\u957f\u8005\u751f\u6d3b\u6d25\u8d34 #\u9999\u6e2f\u957f\u751f\u6d25 #eMPF #\u79ef\u91d1\u6613 #\u65e9\u5341\u5e74\u9000\u4f11\u51c6\u5907\u8282\u7701\u4e00\u534a\u6210\u672c #\u9999\u6e2f\u4f18\u8d28\u670d\u52a1\u6307\u5357 #Hong-Kong-Good-Service-Guide #HKGSG<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"\u6bcf\u65e9\u5341\u5e74\u6e96\u5099\uff0c\u9000\u4f11\u6210\u672c\u6e1b\u534a \u6839\u64da\u300c\u8907\u5229\u6548\u61c9\u300d\u548c\u300c\u6642\u9593\u6210\u672c\u300d\u7684\u8ca1\u52d9\u539f\u7406\uff0c\u6bcf\u63d0\u65e9\u5341\u5e74\u958b\u59cb\u6e96\u5099\u9000\u4f11\uff0c\u53ef\u5927\u5e45\u964d\u4f4e\u6240\u9700\u6210\u672c\u3002\u4ee5\u4e0b\u662f\u5177\u9ad4\u6578\u64da\u548c\u4f86\u6e90\u5206\u6790\uff1a 1. \u6b0a\u5a01\u7814\u7a76\u6578\u64da a. \u7f8e\u570b\u570b\u5bb6\u7d93\u6fdf\u7814\u7a76\u5c40\uff08NBER\uff09\u7814\u7a76 \u7d50\u8ad6\uff1a\u6bcf\u63d0\u65e910\u5e74\u958b\u59cb\u5132\u84c4\u9000\u4f11\u91d1\uff0c\u53ef\u6e1b\u5c11\u7d04\u00a050%\u00a0\u7684\u7e3d\u6210\u672c\u3002 \u539f\u56e0\uff1a\u8907\u5229\u6548\u61c9\u4f7f\u65e9\u671f\u6295\u8cc7\u7684\u6536\u76ca\u96a8\u6642\u9593\u6307\u6578\u589e\u9577\u3002 \u8209\u4f8b\uff1a \u82e5\u5f9e25\u6b72\u958b\u59cb\u6bcf\u6708\u5b58500\u7f8e\u5143\uff08\u5047\u8a2d\u5e74\u5316\u5831\u916c\u73877%\uff09\uff0c\u523065\u6b72\u53ef\u7d2f\u7a4d\u7d04 140\u842c\u7f8e\u5143\u3002 \u82e5\u5f9e35\u6b72\u958b\u59cb\uff0c\u9700\u6bcf\u6708\u5b58\u7d04\u00a01,000\u7f8e\u5143\u00a0\u624d\u80fd\u9054\u5230\u76f8\u540c\u76ee\u6a19\uff08\u6210\u672c\u589e\u52a0100%\uff09\u3002 \u4f86\u6e90\uff1a NBER Working Paper on Retirement Savings\uff08\u9700\u4ed8\u8cbb\uff0c\u6458\u8981\u53ef\u516c\u958b\u67e5\u95b1\uff09\u3002 b. \u5bcc\u9054\u6295\u8cc7\uff08Fidelity\uff09\u6a21\u578b \u5efa\u8b70\uff1a\u5f9e25\u6b72\u8d77\uff0c\u6bcf\u5e74\u5132\u84c4\u5e74\u85aa\u768415%\uff0c\u53ef\u572867\u6b72\u9000\u4f11\u6642\u7dad\u6301\u751f\u6d3b\u6c34\u5e73\u3002 \u82e5\u5ef6\u907210\u5e74\uff0835\u6b72\u958b\u59cb\uff09\uff1a\u9700\u5c07\u5132\u84c4\u7387\u63d0\u9ad8\u81f3\u00a0\u5e74\u85aa\u768425%\uff08\u6210\u672c\u589e\u52a0\u7d0467%\uff09\u3002 \u4f86\u6e90\uff1a Fidelity\u2019s Retirement Savings Guidelines. 2. \u5b78\u8853\u8a08\u7b97\u6a21\u578b\uff084%\u6cd5\u5247\uff09 \u5047\u8a2d\uff1a\u9000\u4f11\u5f8c\u6bcf\u5e74\u63d0\u53d6\u6295\u8cc7\u7d44\u5408\u76844%\u4f5c\u70ba\u751f\u6d3b\u8cbb\uff08\u901a\u8139\u8abf\u6574\u5f8c\uff09\u3002 \u6578\u64da\uff1a 30\u6b72\u958b\u59cb\uff1a\u6bcf\u6708\u5b58500\u7f8e\u5143\uff0c65\u6b72\u6642\u7d2f\u7a4d\u7d04\u00a0120\u842c\u7f8e\u5143\uff08\u5047\u8a2d\u5e74\u53167%\u5831\u916c\uff09\u3002 40\u6b72\u958b\u59cb\uff1a\u9700\u6bcf\u6708\u5b58\u00a01,100\u7f8e\u5143\u00a0\u9054\u5230\u76f8\u540c\u76ee\u6a19\uff08\u6210\u672c\u589e\u52a0120%\uff09\u3002 \u4f86\u6e90\uff1a Trinity Study\uff081998\uff09\uff0c\u5ef6\u4f38\u95b1\u8b80. 3. \u95dc\u9375\u56e0\u7d20\u5206\u6790 \u8907\u5229\u6548\u61c9\uff1a \u516c\u5f0f\uff1aFV = PV \u00d7 (1 + r)^n FV\uff1a\u672a\u4f86\u50f9\u503c\uff0cPV\uff1a\u73fe\u503c\uff0cr\uff1a\u5e74\u5316\u5831\u916c\u7387\uff0cn\uff1a\u5e74\u6578\u3002 \u82e5\u5831\u916c\u73877%\uff0c10\u5e74\u5dee\u7570\u53ef\u4f7f\u7d42\u503c\u76f8\u5dee\u8fd1\u00a01\u500d\uff08\u898b\u4e0b\u8868\u793a\u4f8b\uff09\u3002 \u958b\u59cb\u5e74\u9f61 \u6bcf\u6708\u6295\u5165 65\u6b72\u7d42\u503c\uff08\u5047\u8a2d7%\u5831\u916c\uff09 25\u6b72 $500 ~$140\u842c 35\u6b72 $500 ~$68\u842c\uff08\u9700\u88dc\u8db3\u5dee\u984d\uff09 \u901a\u8139\u5f71\u97ff\uff1a\u5ef6\u9072\u5132\u84c4\u9700\u66f4\u9ad8\u7684\u540d\u7fa9\u91d1\u984d\u4ee5\u62b5\u6d88\u8cfc\u8cb7\u529b\u4e0b\u964d\u3002 \u70ba\u4f55\u4f7f\u75287%\uff1f \u4fdd\u5b88\u6027\uff1a 7%\u662f\u901a\u8139\u8abf\u6574\u5f8c\u7684\u5be6\u8cea\u5831\u916c\u7387\uff08\u540d\u7fa9\u5831\u916c\u7387\u7d049\u201310%\uff09\uff0c\u5df2\u8003\u616e\u5e02\u5834\u6ce2\u52d5\u548c\u901a\u8139\u98a8\u96aa\u3002 \u8907\u5229\u8a08\u7b97\u5408\u7406\u6027\uff1a \u904e\u9ad8\u5831\u916c\u7387\uff08\u598210%\uff09\u53ef\u80fd\u4f4e\u4f30\u98a8\u96aa\uff0c\u904e\u4f4e\uff08\u59824%\uff09\u5247\u53ef\u80fd\u9ad8\u4f30\u6240\u9700\u6210\u672c\u3002 4. \u7d50\u8ad6\u8207\u5efa\u8b70 \u7bc0\u7701\u6bd4\u4f8b\uff1a\u6bcf\u65e9\u5341\u5e74\u6e96\u5099\uff0c\u5e74\u5316\u5831\u916c\u73875%\u60c5\u6cc1\u4e0b\u7d04\u6e1b\u5c11 50%~70% \u7e3d\u6210\u672c\uff08\u8996\u5831\u916c\u7387\u8207\u5132\u84c4\u91d1\u984d\uff09\uff0c\u5982\u66f4\u4fdd\u5b88\u5e74\u5316\u5831\u916c\u73875%\u60c5\u6cc1\u4e0b\uff0c\u6bcf\u65e910\u5e74\u6e96\u5099\uff0c\u6210\u672c\u964d\u4f4e\u7d04\u00a035\u201340% \u7e3d\u6210\u672c\uff0c\u7bc0\u7701\u7387\u90fd\u662f","protected":false},"author":1,"featured_media":0,"parent":3009,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3053","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.3.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u6bcf\u65e9\u5341\u5e74\u6e96\u5099\uff0c\u9000\u4f11\u6210\u672c\u6e1b\u534a - \u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357 | Hong Kong Good Service Guide<\/title>\n<meta name=\"description\" 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