{"id":4490,"date":"2026-07-17T07:32:00","date_gmt":"2026-07-16T23:32:00","guid":{"rendered":"https:\/\/laoyulaoyu.com\/?p=4490"},"modified":"2026-07-08T19:32:29","modified_gmt":"2026-07-08T11:32:29","slug":"%e5%88%ab%e4%bf%a14%e6%8f%90%e5%8f%96%e7%8e%87%e8%a7%84%e5%88%99%e4%ba%86%ef%bc%8c%e7%99%be%e5%b9%b4%e6%95%b0%e6%8d%ae%e8%af%b4%e6%9c%80%e4%bd%8e%e5%be%972-69","status":"publish","type":"post","link":"https:\/\/laoyulaoyu.com\/index.php\/2026\/07\/17\/%e5%88%ab%e4%bf%a14%e6%8f%90%e5%8f%96%e7%8e%87%e8%a7%84%e5%88%99%e4%ba%86%ef%bc%8c%e7%99%be%e5%b9%b4%e6%95%b0%e6%8d%ae%e8%af%b4%e6%9c%80%e4%bd%8e%e5%be%972-69\/","title":{"rendered":"\u522b\u4fe14%\u63d0\u53d6\u7387\u89c4\u5219\u4e86\uff0c\u767e\u5e74\u6570\u636e\u8bf4\u6700\u4f4e\u5f972.69%"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u4f5c\u8005\uff1a<a href=\"https:\/\/www.laoyulaoyu.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8001\u4f59\u635e\u9c7c<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-cyan-bluish-gray-color\">\u539f\u521b\u4e0d\u6613\uff0c\u8f6c\u8f7d\u8bf7\u6807\u660e\u51fa\u5904\u53ca\u539f\u4f5c\u8005\u3002<\/mark><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/cover-5-1024x574.png\" alt=\"\" class=\"wp-image-4491\" srcset=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/cover-5-1024x574.png 1024w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/cover-5-300x168.png 300w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/cover-5-768x431.png 768w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/cover-5.png 1312w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u6587\u4e2d\u793a\u4f8b\u4ec5\u7528\u4e8e\u6280\u672f\u8ba8\u8bba\uff0c\u4e0d\u6784\u6210\u4efb\u4f55\u64cd\u4f5c\u5efa\u8bae\u3002<br>\u91cf\u5316\u7b56\u7565\u5f00\u53d1\u5e94\u4ee5\u5b66\u4e60\u548c\u6280\u672f\u4ea4\u6d41\u4e3a\u76ee\u7684\u3002<br>\u672c\u53f7\u4e0d\u8350\u80a1\u3001\u4e0d\u5356\u8bfe\u3001\u4e0d\u627f\u8bfa\u6536\u76ca\u3002<br>\u5e02\u573a\u6709\u98ce\u9669\uff0c\u8bf7\u5408\u6cd5\u5408\u89c4\u6295\u8d44\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">\u672c\u6587\u7ea6 2230 \u5b57 | \u9884\u8ba1\u9605\u8bfb 5 \u5206\u949f<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00b7 \u00b7 \u00b7<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FIRE\u5708\u5b50\u91cc\u6709\u6761\u91d1\u89c4\u5219\uff1a\u6512\u591f\u4e00\u5e74\u5f00\u9500\u768425\u500d\uff0c\u7136\u540e\u6bcf\u5e74\u63d0\u53d64%\uff0c\u4f60\u5c31\u81ea\u7531\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u6761\u89c4\u5219\u7b80\u5355\u3001\u597d\u8bb0\u3001\u542c\u8d77\u6765\u5f88\u6709\u5b89\u5168\u611f\u3002\u4f46\u6709\u4e2a\u535a\u4e3b\u7528100\u5e74\u5e02\u573a\u6570\u636e\u8dd1\u4e86\u4e00\u904d\u56de\u6d4b\uff0c\u7ed3\u8bba\u8ba9\u4eba\u5192\u51b7\u6c57\uff1a4%\u4e0d\u591f\u3002\u6700\u5dee\u7684\u60c5\u51b5\u4e0b\uff0c\u4f60\u53ea\u80fd\u63d02.69%\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5dee\u4e86\u5c06\u8fd1\u4e00\u500d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e00\u30014%\u89c4\u5219\u662f\u600e\u4e48\u6765\u7684<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">4%\u89c4\u5219\u4e0d\u662f\u62cd\u8111\u888b\u60f3\u7684\u3002\u5b83\u6e90\u81ea1994\u5e74\u5a01\u5ec9\u00b7\u672c\u6839\uff08<strong>William Bengen<\/strong>\uff09\u7684\u7814\u7a76\uff0c\u6838\u5fc3\u7ed3\u8bba\u662f\uff1a\u53ea\u8981\u4f60\u7684\u6295\u8d44\u7ec4\u5408\u662f50%\u7f8e\u80a1+50%\u503a\u5238\uff0c\u5728\u4efb\u4f55\u5386\u53f230\u5e74\u671f\u5185\u63d0\u53d64%\u7684\u521d\u59cb\u91d1\u989d\uff08\u968f\u901a\u80c0\u8c03\u6574\uff09\uff0c\u90fd\u4e0d\u4f1a\u628a\u94b1\u82b1\u5149\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u542c\u8d77\u6765\u5f88\u7a33\u3002\u4f46\u95ee\u9898\u85cf\u5728\u5047\u8bbe\u91cc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7b2c\u4e00\u4e2a\u95ee\u9898\uff1a\u8fc7\u62df\u5408\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4%\u8fd9\u4e2a\u6570\u5b57\u4f9d\u8d56\u975e\u5e38\u7279\u6b8a\u7684\u8d44\u4ea7\u7ec4\u5408\u6bd4\u4f8b\u300250%\u80a1\u7968+50%\u503a\u5238\uff0c\u52a0\u4e0a\u7f8e\u56fd\u4e0a\u4e16\u7eaa\u7684\u7279\u6b8a\u884c\u60c5\uff0c\u624d\u51d1\u51fa\u4e86\u8fd9\u4e2a&#8221;\u6070\u597d4%&#8221;\u7684\u7ed3\u8bba\u3002\u6362\u4e00\u4e2a\u6bd4\u4f8b\u3001\u6362\u4e00\u4e2a\u5e02\u573a\u3001\u6362\u4e00\u4e2a\u65f6\u95f4\u6bb5\uff0c\u8fd9\u4e2a\u6570\u5b57\u53ef\u80fd\u5c31\u53d8\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u8d28\u4e0a\uff0c4%\u662f\u4e00\u4e2a\u5386\u53f2\u6700\u4f18\u5316\u7ed3\u679c\uff0c\u4e0d\u662f\u4e00\u4e2a\u666e\u9002\u6cd5\u5219\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7b2c\u4e8c\u4e2a\u95ee\u9898\uff1a30\u5e74\u591f\u5417\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6839\u7684\u7814\u7a76\u5047\u8bbe\u9000\u4f11\u671f30\u5e74\u3002\u5982\u679c\u4f6060\u5c81\u9000\u4f11\uff0c\u6d3b\u523090\u5c81\uff0c\u5dee\u4e0d\u591a\u3002\u4f46FIRE\u4eba\u7fa4\u53ef\u80fd35\u5c81\u5c31\u9000\u4f11\u4e86\uff0c\u8981\u649150\u5e74\u751a\u81f3\u66f4\u4e45\u300230\u5e74\u548c50\u5e74\u7684\u5b89\u5168\u63d0\u53d6\u7387\u5b8c\u5168\u4e0d\u662f\u4e00\u4e2a\u91cf\u7ea7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e24\u4e2a\u95ee\u9898\u53e0\u52a0\u8d77\u6765\uff0c\u610f\u5473\u77404%\u89c4\u5219\u5bf9\u63d0\u524d\u9000\u4f11\u7684\u4eba\u6765\u8bf4\u53ef\u80fd\u592a\u4e50\u89c2\u4e86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e8c\u3001\u6362\u4e2a\u601d\u8def\uff1a\u8ba9\u94b1\u6c38\u8fdc\u82b1\u4e0d\u5149<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u6362\u4e00\u4e2a\u89d2\u5ea6\uff0c\u4e0e\u5176\u7b97&#8221;30\u5e74\u4e0d\u82b1\u5149&#8221;\uff0c\u4e0d\u5982\u7b97&#8221;\u6c38\u8fdc\u4e0d\u7f29\u6c34&#8221;\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c31\u662f\u4f60\u7684\u672c\u91d1\u5728\u6263\u9664\u901a\u80c0\u540e\u4e0d\u51cf\u5c11\u3002\u53ea\u8981\u672c\u91d1\u4e0d\u52a8\uff0c\u63d0\u53d6\u7684\u5c31\u662f\u771f\u5b9e\u6536\u76ca\uff0c\u94b1\u7406\u8bba\u4e0a\u53ef\u4ee5\u4e00\u76f4\u4f20\u4e0b\u53bb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6807\u7684 S&amp;P 500 \u6307\u6570\u3002\u903b\u8f91\u5f88\u7b80\u5355\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SPY \u81ea1993\u5e74\u6210\u7acb\u4ee5\u6765\uff0c\u5e74\u5316\u540d\u4e49\u56de\u62a5\u8d85\u8fc710%<\/li>\n\n\n\n<li>\u6263\u6389\u901a\u80c0\uff0c\u5b9e\u9645\u56de\u62a5\u7ea67%<\/li>\n\n\n\n<li>\u90a3\u4f60\u63d0\u53d66%\u5e94\u8be5\u5b89\u5168\uff1f<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46 SPY \u624d30\u591a\u5e74\u5386\u53f2\uff0c\u4e0d\u80fd\u4ee3\u8868\u6574\u4e2a\u7f8e\u80a1\u5e02\u573a\u3002\u8981\u56de\u7b54&#8221;\u6c38\u8fdc\u4e0d\u7f29\u6c34&#8221;\u7684\u95ee\u9898\uff0c\u5f97\u7528\u66f4\u957f\u7684\u6570\u636e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e09\u3001\u767e\u5e74\u56de\u6d4b\uff1a4\u4e2a\u8981\u547d\u7684\u65f6\u6bb5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u628a\u6570\u636e\u5f80\u524d\u63a8\uff0cS&amp;P 500 \u6307\u65701957\u5e74\u624d\u6709\uff0c\u518d\u5f80\u524d\u7528 S&amp;P 90 \u8865\uff0c\u52a0\u4e0a 0.5% \u7684\u6469\u64e6\u6210\u672c\uff08\u7ba1\u7406\u8d39\u3001\u8ddf\u8e2a\u8bef\u5dee\uff09\uff0c\u62fc\u51fa\u4e86\u63a5\u8fd1100\u5e74\u7684\u7f8e\u80a1\u6570\u636e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u540e\u7b97\u4e86\u4e00\u4e2a\u5173\u952e\u6570\u5b57\uff1a\u5047\u8bbe\u4f60\u5728\u7b2c X \u5e74\u5168\u90e8\u6295\u5165\uff0c\u4e4b\u540e\u6bcf\u5e74\u63d0\u53d6\u591a\u5c11\u6bd4\u4f8b\uff0c\u624d\u80fd\u5728\u901a\u80c0\u8c03\u6574\u540e\u4e0d\u4e8f\u672c\uff1f<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/01-safe-withdrawal-bars-1024x574.png\" alt=\"\" class=\"wp-image-4492\" srcset=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/01-safe-withdrawal-bars-1024x574.png 1024w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/01-safe-withdrawal-bars-300x168.png 300w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/01-safe-withdrawal-bars-768x431.png 768w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/01-safe-withdrawal-bars.png 1312w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u56fe1\uff1a\u4e0d\u540c\u8d77\u59cb\u5e74\u4efd\u7684\u5b89\u5168\u63d0\u53d6\u7387\uff0c\u7ea2\u7ebf\u4e3a4%\u9608\u503c<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u67094\u4e2a\u65f6\u6bb5\uff0c4%\u89c4\u5219\u4f1a\u5931\u6548\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1929\u52301930\u5e74\uff08\u5927\u8427\u6761\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u80a1\u5e02\u5d29\u76d8\uff0c\u7ec4\u5408\u4ef7\u503c\u5927\u5e45\u7f29\u6c34\u3002\u4f60\u63d0\u53d64%\u7684\u65f6\u5019\uff0c\u672c\u91d1\u7684\u57fa\u6570\u5df2\u7ecf\u8dcc\u4e86\u4e00\u5927\u622a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1937\u5e74\uff081937\u5e74\u8870\u9000\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u88ab\u5f88\u591a\u4eba\u5ffd\u7565\u7684\u77ed\u671f\u8870\u9000\uff0c\u4f46\u5bf9\u521a\u5165\u573a\u7684\u4eba\u6765\u8bf4\u6740\u4f24\u529b\u5f88\u5927\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1962\u52301973\u5e74\uff08\u6ede\u80c0\u65f6\u4ee3\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u4e861963\u5e74\u4fa5\u5e78\u8fc7\u5173\uff0c\u6574\u4e2a\u6ede\u80c0\u671f\u7684\u9ad8\u901a\u80c0+\u4f4e\u589e\u957f\u8ba9\u5b9e\u9645\u56de\u62a5\u5927\u5e45\u4e0b\u964d\u3002\u8fd9\u662f\u6700\u957f\u7684\u5371\u9669\u533a\u95f4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1999\u52302001\u5e74\uff08\u4e92\u8054\u7f51\u6ce1\u6cab\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u5dee\u7684\u5165\u573a\u5e74\u4efd\u662f2000\u5e74\u3002\u5982\u679c\u4f60\u5728\u90a3\u4e00\u5e74\u5168\u4ed3\u5165\u573a\uff0c\u5b89\u5168\u63d0\u53d6\u7387\u53ea\u6709&nbsp;<strong>2.69%<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.69%\u610f\u5473\u7740\u4ec0\u4e48\uff1f\u5982\u679c\u4f60\u4e00\u5e74\u9700\u898140\u4e07\u751f\u6d3b\uff0c\u63094%\u89c4\u5219\u8981\u65121000\u4e07\u3002\u63092.69%\u8981\u65121487\u4e07\u3002\u591a\u6512\u5c06\u8fd1\u4e00\u534a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5&#8221;4%\u89c4\u5219&#8221;\u66f4\u65b0\u6210&#8221;2.69%\u89c4\u5219&#8221;\u624d\u4e25\u8c28\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u56db\u3001S&amp;P vs TSX\uff1a\u8c01\u66f4\u5b89\u5168\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u5728\u8dd1\u591a\u4f26\u591a\u8bc1\u4ea4\u6240\uff08TSX\uff09\u7684\u6570\u636e\u505a\u5bf9\u6bd4\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/02-sp500-vs-tsx-1024x574.png\" alt=\"\" class=\"wp-image-4493\" srcset=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/02-sp500-vs-tsx-1024x574.png 1024w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/02-sp500-vs-tsx-300x168.png 300w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/02-sp500-vs-tsx-768x431.png 768w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/02-sp500-vs-tsx.png 1312w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u56fe2\uff1aS&amp;P 500 vs TSX\uff0c\u4e00\u4e2a\u66f4\u731b\u4e00\u4e2a\u66f4\u7a33<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u679c\u6709\u70b9\u610f\u601d\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-left\" data-align=\"left\">\u6307\u6807<\/th><th class=\"has-text-align-left\" data-align=\"left\">S&amp;P 500<\/th><th class=\"has-text-align-left\" data-align=\"left\">TSX<\/th><\/tr><tr><td>\u6700\u4f4e\u5b89\u5168\u63d0\u53d6\u7387<\/td><td>2.69%<\/td><td>3.26%<\/td><\/tr><tr><td>\u5e73\u5747\u5b9e\u9645\u56de\u62a5<\/td><td>6.49%<\/td><td>5.46%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">TSX \u7684\u5e95\u7ebf\u66f4\u9ad8\uff083.26% vs 2.69%\uff09\uff0c\u4f46\u5e73\u5747\u56de\u62a5\u66f4\u4f4e\uff085.46% vs 6.49%\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff0cTSX \u66f4&#8221;\u7a33&#8221;\uff0cS&amp;P \u66f4&#8221;\u731b&#8221;\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TSX \u7684\u5e95\u7ebf\u66f4\u9ad8\u5927\u6982\u7387\u8ddf\u5206\u7ea2\u6709\u5173\u3002\u52a0\u62ff\u5927\u4e0a\u5e02\u516c\u53f8\u7279\u522b\u7231\u53d1\u80a1\u606f\uff0cTSX \u7684\u80a1\u606f\u7387\u957f\u671f\u9ad8\u4e8e\u7f8e\u80a1\u3002\u9ad8\u80a1\u606f\u5728\u5e02\u573a\u4e0b\u8dcc\u65f6\u63d0\u4f9b\u4e86\u4e00\u5b9a\u7684\u73b0\u91d1\u6d41\u7f13\u51b2\uff0c\u8ba9\u63d0\u53d6\u538b\u529b\u6ca1\u90a3\u4e48\u5927\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u9ad8\u80a1\u606f\u662f\u53cc\u5203\u5251\u3002\u516c\u53f8\u628a\u94b1\u5206\u6389\u4e86\uff0c\u5c31\u6ca1\u6cd5\u518d\u6295\u8d44\u6269\u5f20\u3002\u6240\u4ee5 TSX \u7684\u957f\u671f\u589e\u957f\u4e0d\u5982 S&amp;P 500\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u4e2a\u610f\u5916\u53d1\u73b0\uff1a2008\u5e74\u91d1\u878d\u5371\u673a\u65f6\uff0c\u52a0\u62ff\u5927\u7ecf\u6d4e\u8868\u73b0\u597d\u4e8e\u7f8e\u56fd\uff0c\u4f46 TSX \u53cd\u800c\u8dcc\u5f97\u66f4\u6df1\u3002\u8fd9\u8ddf\u5927\u5b97\u5546\u54c1\u4ef7\u683c\u6709\u5173\uff0cTSX \u91cc\u80fd\u6e90\u548c\u77ff\u4e1a\u516c\u53f8\u5360\u6bd4\u9ad8\uff0c\u5546\u54c1\u5d29\u76d8\u7684\u51b2\u51fb\u6bd4\u91d1\u878d\u6d77\u5578\u8fd8\u731b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e94\u3001\u9000\u4f11\u8981\u591a\u6512\u51e0\u5e74<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u628a 2.69% \u4ee3\u5165\u4e4b\u524d\u90a3\u7bc7&#8221;The Equation For Financial Freedom&#8221;\u7684\u516c\u5f0f\uff1a<\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>1 \/ safe_withdrawal = (annual_deposit \/ annual_requirement) \u00d7 (average_return^years \u2212 1) \/ (average_return \u2212 1)<\/code><\/pre>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u6765\u5047\u8bbe6%\u5e74\u5316\u5b9e\u9645\u56de\u62a5+4%\u5b89\u5168\u63d0\u53d6\u7387\uff0c\u5f97\u51fa15.73\u5e74\u5b58\u591f\u3002\u73b0\u5728\u7528\u5386\u53f2\u771f\u5b9e\u56de\u62a5\u8dd1\u4e00\u904d\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/03-timeline-19years-1024x574.png\" alt=\"\" class=\"wp-image-4494\" srcset=\"https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/03-timeline-19years-1024x574.png 1024w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/03-timeline-19years-300x168.png 300w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/03-timeline-19years-768x431.png 768w, https:\/\/laoyulaoyu.com\/wp-content\/uploads\/2026\/07\/03-timeline-19years.png 1312w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u56fe3\uff1a\u4ece15.73\u5e74\u523019.58\u5e74\uff0c\u591a\u6512\u8fd14\u5e74<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-left\" data-align=\"left\">\u5e02\u573a<\/th><th class=\"has-text-align-left\" data-align=\"left\">\u6240\u9700\u5e74\u9650<\/th><th class=\"has-text-align-left\" data-align=\"left\">\u539f\u5047\u8bbe<\/th><\/tr><tr><td>S&amp;P 500<\/td><td>19.58 \u5e74<\/td><td>15.73 \u5e74<\/td><\/tr><tr><td>TSX<\/td><td>18.50 \u5e74<\/td><td>15.73 \u5e74<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u6bcf\u5e74\u5b58100%\u7684\u9000\u4f11\u5e74\u5f00\u9500\uff0cTSX \u53cd\u800c\u66f4\u5feb\u8fbe\u6807\u3002\u539f\u56e0\u662f TSX \u7684\u6700\u4f4e\u63d0\u53d6\u7387\u66f4\u9ad8\uff0c\u4f60\u9700\u8981\u6512\u7684\u76ee\u6807\u91d1\u989d\u66f4\u5c11\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u8fd9\u91cc\u6709\u4e2a\u62d0\u70b9\uff1a\u5927\u7ea633\u5e74\u540e\uff0cS&amp;P \u7684\u590d\u5229\u4f18\u52bf\u4f1a\u53cd\u8d85 TSX\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u5982\u679c\u4f60\u6bcf\u5e74\u5b58\u7684\u6bd4\u4f8b\u4f4e\u4e8e\u5e74\u5f00\u9500\u768435%\uff0cS&amp;P 500 \u662f\u66f4\u597d\u7684\u9009\u62e9\u3002\u5b58\u5f97\u591a\u9009 TSX\uff0c\u5b58\u5f97\u5c11\u9009 S&amp;P\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u516d\u3001\u51e0\u4e2a\u5b9e\u64cd\u8981\u70b9<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7b2c\u4e00\uff0c2.69% \u662f\u6700\u4fdd\u5b88\u7684\u5e95\u7ebf\u3002<\/strong>\u8fd9\u4e2a\u6570\u5b57\u5047\u8bbe\u4f60\u6c38\u4e0d\u4e8f\u672c\uff0c\u6700\u540e\u8fd8\u80fd\u7559\u4e00\u5927\u7b14\u9057\u4ea7\u3002\u5982\u679c\u4f60\u80fd\u63a5\u53d7\u672c\u91d1\u9010\u6b65\u6d88\u8017\uff0c\u6216\u8005\u613f\u5728\u5e02\u573a\u4e0d\u597d\u65f6\u964d\u4f4e\u63d0\u53d6\u989d\uff0c3.5%\u572890%\u7684\u5386\u53f2\u65f6\u6bb5\u90fd\u80fd\u6491\u4f4f\u3002<\/li>\n\n\n\n<li><strong>\u7b2c\u4e8c\uff0c\u5206\u7ea2\u518d\u6295\u8d44\u5f88\u5173\u952e\u3002<\/strong>\u6240\u6709\u8ba1\u7b97\u90fd\u5047\u8bbe\u4f60\u628a\u5206\u7ea2\u91cd\u65b0\u6295\u8fdb\u53bb\u3002\u5f88\u591a\u5238\u5546App\u652f\u6301\u81ea\u52a8\u518d\u6295\u8d44\uff0c\u4e00\u5b9a\u8981\u6253\u5f00\u3002\u4e0d\u590d\u6295\u7684\u8bdd\uff0c\u5b9e\u9645\u56de\u62a5\u4f1a\u5dee\u4e00\u5927\u622a\u3002<\/li>\n\n\n\n<li><strong>\u7b2c\u4e09\uff0c\u8fd9\u53ea\u662f\u4e00\u4e2a\u8d77\u70b9\u3002<\/strong>\u771f\u5b9e\u9000\u4f11\u89c4\u5212\u8981\u6bd4\u8fd9\u590d\u6742\u5f97\u591a\u3002\u4f60\u9700\u8981\u8003\u8651\u7a0e\u52a1\u3001\u533b\u7597\u6210\u672c\u3001\u793e\u4fdd\u6536\u5165\u3001\u8d44\u4ea7\u914d\u7f6e\u7684\u52a8\u6001\u8c03\u6574\u3002\u5b89\u5168\u63d0\u53d6\u7387\u4e0d\u662f\u4e00\u52b3\u6c38\u9038\u7684\u6570\u5b57\uff0c\u800c\u662f\u9700\u8981\u6bcf\u5e74\u91cd\u65b0\u8bc4\u4f30\u7684\u53c2\u6570\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5199\u5728\u6700\u540e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">4%\u89c4\u5219\u4e4b\u6240\u4ee5\u6d41\u884c\uff0c\u662f\u56e0\u4e3a\u5b83\u7b80\u5355\u5230\u4eba\u4eba\u80fd\u8bb0\u4f4f\u3002\u4f46\u7b80\u5355\u4e0d\u7b49\u4e8e\u6b63\u786e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">100\u5e74\u6570\u636e\u544a\u8bc9\u6211\u4eec\uff1a\u5728\u6700\u574f\u7684\u5e74\u4efd\u5165\u573a\uff0c4%\u4f1a\u8ba9\u4f60\u6162\u6162\u7834\u4ea7\uff0c2.69%\u624d\u771f\u6b63\u5b89\u5168\u3002FIRE\u4eba\u7fa4\u8981\u9000\u4f1130\u523050\u5e74\uff0c\u7528\u6700\u4fdd\u5b88\u7684\u6570\u5b57\u505a\u89c4\u5212\u4e0d\u4e22\u4eba\uff0c\u53cd\u800c\u5f88\u7406\u6027\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bb0\u4f4f\u4e00\u4e2a\u539f\u5219\uff1a\u9000\u4f11\u89c4\u5212\u7684\u9519\u8bef\u662f\u975e\u5bf9\u79f0\u7684\u3002\u6512\u591a\u4e86\uff0c\u5927\u4e0d\u4e86\u7559\u7ed9\u4e0b\u4e00\u4ee3\u3002\u6512\u5c11\u4e86\uff0c70\u5c81\u8fd8\u5f97\u51fa\u53bb\u627e\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><a>#4<\/a>%\u89c4\u5219\u00a0<a>#FIRE\u8fd0\u52a8<\/a>\u00a0<a>#\u5b89\u5168\u63d0\u53d6\u7387<\/a>\u00a0<a>#S<\/a>&amp;P500\u00a0<a>#TSX<\/a>\u00a0<a>#\u9000\u4f11\u89c4\u5212<\/a>\u00a0<a>#\u8d44\u4ea7\u914d\u7f6e<\/a>\u00a0<a>#\u88ab\u52a8\u6536\u76ca<\/a>\u00a0<a>#\u6295\u8d44\u7b56\u7565<\/a>\u00a0<a>#\u7f8e\u80a1<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f5c\u8005\uff1a\u8001\u4f59\u635e\u9c7c 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