{"id":19486,"date":"2024-09-20T09:40:34","date_gmt":"2024-09-20T14:40:34","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e7%ae%a1%e7%90%86%e9%ab%98%e5%87%88%e5%80%bc%e5%ae%a2%e6%88%b6%e7%9a%84%e9%ab%98%e7%b4%9a%e8%b2%a1%e7%94%a2%e5%92%8c%e6%84%8f%e5%a4%96%e9%9a%aa%e7%ad%96%e7%95%a5\/"},"modified":"2024-09-20T09:40:38","modified_gmt":"2024-09-20T14:40:38","slug":"%e7%ae%a1%e7%90%86%e9%ab%98%e5%87%88%e5%80%bc%e5%ae%a2%e6%88%b6%e7%9a%84%e9%ab%98%e7%b4%9a%e8%b2%a1%e7%94%a2%e5%92%8c%e6%84%8f%e5%a4%96%e9%9a%aa%e7%ad%96%e7%95%a5","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e7%ae%a1%e7%90%86%e9%ab%98%e5%87%88%e5%80%bc%e5%ae%a2%e6%88%b6%e7%9a%84%e9%ab%98%e7%b4%9a%e8%b2%a1%e7%94%a2%e5%92%8c%e6%84%8f%e5%a4%96%e9%9a%aa%e7%ad%96%e7%95%a5\/","title":{"rendered":"\u7ba1\u7406\u9ad8\u51c8\u503c\u5ba2\u6236\u7684\u9ad8\u7d1a\u8ca1\u7522\u548c\u610f\u5916\u96aa\u7b56\u7565"},"content":{"rendered":"\n<p>\u9ad8\u51c8\u503c\u4eba\u58eb\u901a\u5e38\u9762\u81e8\u7368\u7279\u7684\u98a8\u96aa\u3002\n\u5118\u7ba1\u4ed6\u5011\u7684\u8ca1\u52d9\u72c0\u6cc1\u4e0d\u4f73\uff0c\u4f46\u8a31\u591a\u4eba\u7684\u4fdd\u96aa\u4e0d\u8db3\uff0c\u5c24\u5176\u662f\u5728\u9019\u4e9b\u7368\u7279\u7684\u98a8\u96aa\u9818\u57df\u3002 <\/p>\n\n<p>\u7368\u7279\u7684\u98a8\u96aa\u9700\u8981\u5c0d\u6700\u4f73\u4fdd\u96aa\u65b9\u6848\u6709\u7368\u7279\u7684\u898b\u89e3\uff0c\u5c24\u5176\u662f\u5728\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u9818\u57df\uff0c\u9ad8\u51c8\u503c\u500b\u4eba\u7684\u500b\u4eba\u548c\u4f01\u696d\u4fdd\u96aa\u53ef\u80fd\u6703\u4ea4\u53c9\u3002\n\u77ad\u89e3\u9ad8\u51c8\u503c\u4eba\u58eb\u9762\u81e8\u7684 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/wealth-management?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.11.1725259435939&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\u7279\u5b9a\u98a8\u96aa<\/a> \u7684\u4fdd\u96aa\u516c\u53f8\u66f4\u6709\u80fd\u529b\u6eff\u8db3\u4ed6\u5011\u7684\u9700\u6c42\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u6eff\u8db3\u9ad8\u51c8\u503c\u4eba\u58eb\u7684\u7368\u7279\u9700\u6c42<\/h2>\n\n<p>\u4fdd\u96aa\u4ee3\u7406\u4eba\u3001\u7d93\u7d00\u4eba\u548c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u8f15\u9b06\u8655\u7406\u5927\u591a\u6578\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u9700\u6c42\uff0c\u56e0\u70ba\u5927\u591a\u6578\u4fdd\u96aa\u8cfc\u8cb7\u6db5\u84cb\u5e38\u898b\u7684\u65e5\u5e38\u60c5\u6cc1\u3002\n\u7136\u800c\uff0c\u5c0d\u65bc\u9ad8\u51c8\u503c\u4eba\u58eb\u4f86\u8aaa\uff0c\u627e\u5230\u5408\u9069\u7684\u4fdd\u96aa\u53ef\u80fd\u5f88\u56f0\u96e3\uff0c\u56e0\u70ba\u4ed6\u5011\u7684\u9700\u6c42\u8d85\u51fa\u4e86\u65e5\u5e38\u4fdd\u96aa\u53ef\u4ee5\u89e3\u6c7a\u7684\u7bc4\u570d\u3002 <\/p>\n\n<p>\u201c\u6211\u81ea\u5df1\u548c\u8a72\u570b\u5927\u591a\u6578\u4eba\u6c38\u9060\u4e0d\u5fc5\u8003\u616e\u6216\u64d4\u5fc3\u7684\u4e00\u4e9b\u98a8\u96aa\u662f\u9019\u4e9b\u4eba\u7684\u5de8\u5927\u9700\u6c42\uff0c\u201d\u7cbe\u54c1\u98a8\u96aa\u8aee\u8a62\u548c\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8 North Improvement \u7684\u806f\u5408\u5275\u59cb\u4eba\u517c\u7e3d\u88c1 <a href=\"https:\/\/www.insurancejournal.com\/news\/east\/2020\/05\/08\/567967.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Hayden Kopser<\/a> \u8aaa\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u6578\u767e\u842c\u7f8e\u570b\u4eba\u9700\u8981\u6c7d\u8eca\u4fdd\u96aa\u3002\n\u7136\u800c\uff0c\u4fdd\u96aa\u4f5c\u5bb6 <a href=\"https:\/\/www.4autoinsurancequote.com\/how-much-auto-insurance-is-recommended-for-high-net-worth-individuals\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rachel Bodine\u548c Leslie Kasperowicz<\/a>\u6307\u51fa\uff0c\u9ad8\u51c8\u503c\u4eba\u58eb\u53ef\u80fd\u9700\u8981\u6bd4\u63d0\u4f9b\u7d66\u5927\u591a\u6578\u53f8\u6a5f\u7684\u6a19\u6e96\u4fdd\u55ae\u66f4\u591a\u7684\u9322\u3002 <\/p>\n\n<p>Bodine \u548c Kasperowicz \u5beb\u9053\uff0c\u9ad8\u51c8\u503c\u53f8\u6a5f\u53ef\u80fd\u9700\u8981\u66f4\u591a\u7684\u4fdd\u96aa\uff0c\u56e0\u70ba\u4ed6\u5011\u6703\u5931\u53bb\u66f4\u591a\u3002\n\u4e8b\u6545\u767c\u751f\u540e\uff0c\u4ed6\u5011\u4e5f\u53ef\u80fd\u9762\u81e8\u66f4\u56b4\u683c\u7684\u5a92\u9ad4\u548c\u793e\u6703\u5be9\u67e5\uff0c\u7279\u5225\u662f\u5982\u679c\u9ad8\u51c8\u503c\u4eba\u58eb\u662f\u773e\u6240\u5468\u77e5\u7684\u6216\u88ab\u8996\u70ba\u699c\u6a23\u3002\n\u4ed6\u5011\u5728\u4e8b\u6545\u767c\u751f\u5f8c\u7684\u9700\u6c42\u4e5f\u53ef\u80fd\u4e0d\u540c\uff0c\u7279\u5225\u662f\u5982\u679c\u76f8\u95dc\u50b7\u5bb3\u963b\u6b62\u4ed6\u5011\u5de5\u4f5c\u3002\n\u6240\u6709\u9019\u4e9b\u56e0\u7d20\u90fd\u6709\u5229\u65bc\u6839\u64da\u9ad8\u51c8\u503c\u53f8\u6a5f\u7684\u9700\u6c42\u5b9a\u88fd\u6c7d\u8eca\u4fdd\u96aa\u3002   <\/p>\n\n<p>\u9ad8\u51c8\u503c\u4eba\u58eb\u7684\u7368\u7279\u9700\u6c42\u4e26\u4e0d\u6b62\u65bc\u4fee\u6539\u5f8c\u7684\u6c7d\u8eca\u6216\u5bb6\u5ead\u4fdd\u96aa\u3002\n\u9019\u4e9b\u4eba\u9084\u9762\u81e8\u8457\u666e\u901a P&amp;C \u4fdd\u96aa\u5ba2\u6236\u6839\u672c\u6c92\u6709\u8003\u616e\u904e\u7684\u6311\u6230\u3002\n\u4f8b\u5982\uff0c\u9ad8\u51c8\u503c\u5bb6\u5ead\u53ef\u80fd\u9700\u8981\u4fdd\u96aa\u4f86\u8655\u7406\u7d81\u67b6\u7b49\u4e8b\u4ef6\u3002  <\/p>\n\n<p>\u201c\u7d81\u67b6\u548c\u8d16\u91d1\u662f\u9ad8\u51c8\u503c\u500b\u4eba\u53ca\u5176\u5bb6\u5ead\u7684\u91cd\u8981\u4fdd\u8b77\u98a8\u96aa\uff0c\u5c24\u5176\u662f\u5728\u5bcc\u88d5\u968e\u5c64\u904e\u8457\u66f4\u52a0\u5168\u7403\u5316\u7684\u751f\u6d3b\u65b9\u5f0f\u7684\u60c5\u6cc1\u4e0b\uff0c\u201dAon Private Risk Management \u57f7\u884c\u4e3b\u5e2d <a href=\"https:\/\/riskandinsurance.com\/high-net-worth-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sam Cargill<\/a> \u89e3\u91cb\u9053\u3002<\/p>\n\n<p>\u9632\u6b62\u76dc\u7aca\u3001\u7d81\u67b6\u3001\u6b3a\u8a50\u548c\u985e\u4f3c\u554f\u984c\u6709\u52a9\u65bc\u89e3\u6c7a\u6839\u64da\u793e\u6703\u4e0a\u5176\u4ed6\u4eba\u5c0d\u9ad8\u51c8\u503c\u500b\u4eba\u7684\u770b\u6cd5\u800c\u51fa\u73fe\u7684\u98a8\u96aa\u3002\n\u4ed6\u5011\u7684\u8cc7\u7522\u53ef\u80fd\u6703\u9f13\u52f5\u4e00\u4e9b\u4eba\u5c07\u9019\u4e9b\u4eba\u8996\u70ba\u76ee\u6a19\u3002\n\u901a\u904e\u6b63\u78ba\u7684\u4fdd\u96aa\u7bc4\u570d\uff0c\u53ef\u4ee5\u964d\u4f4e\u9ad8\u51c8\u503c\u5ba2\u6236\u5f9e\u4e0d\u9053\u5fb7\u7684\u7b2c\u4e09\u65b9\u7372\u5f97\u7684\u98a8\u96aa\u3002  <\/p>\n\n<p>\u6700\u5f8c\uff0c\u4e0d\u8981\u5ffd\u8996\u8207\u9ad8\u51c8\u503c\u5ba2\u6236\u5efa\u7acb\u95dc\u4fc2\u7684\u91cd\u8981\u6027\u3002\nEP Wealth Advisors \u7684\u806f\u5408\u5275\u59cb\u4eba\u517c\u8463\u4e8b\u7e3d\u7d93\u7406\u3001\u8a3b\u518a\u8ca1\u52d9\u898f\u5283\u5e2b <a href=\"https:\/\/www.thestreet.com\/retirement-daily\/planning-living-retirement\/checklist-finding-the-right-financial-advisor\" target=\"_blank\" rel=\"noreferrer noopener\">Brian Parker<\/a> \u8aaa\uff0c\u5efa\u7acb\u95dc\u4fc2\u5074\u91cd\u65bc\u7121\u5f62\u8cc7\u7522\uff0c\u6216\u8005\u201c\u95dc\u6ce8\u8ca1\u5bcc\u7ba1\u7406\u7684\u60c5\u611f\u548c\u500b\u4eba\u65b9\u9762\u201d\u3002 <\/p>\n\n<p>\u6578\u64da\u8868\u660e\uff0c\u901a\u904e\u57f9\u990a\u57fa\u65bc\u9019\u4e9b\u7121\u5f62\u8cc7\u7522\u7684\u95dc\u4fc2\uff0c\u8207\u9ad8\u51c8\u503c\u5ba2\u6236\u5408\u4f5c\u7684\u4eba\u53ef\u4ee5\u63d0\u9ad8\u95dc\u4fc2\u7684\u8ca1\u52d9\u696d\u7e3e\u4ee5\u53ca\u5ba2\u6236\u5fe0\u8aa0\u5ea6\u3002\n\u5728 2019 \u5e74 2 \u6708\u7684 Vanguard \u7814\u7a76\u4e2d\uff0c <a href=\"https:\/\/advisors.vanguard.com\/iwe\/pdf\/ISGQVAA.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Francis M. Kinniry Jr.<\/a> \u548c\u5176\u4ed6\u7814\u7a76\u4eba\u54e1\u767c\u73fe\uff0c\u884c\u70ba\u6559\u7df4\u70ba\u5ba2\u6236\u589e\u52a0\u4e86 150 \u500b\u57fa\u9ede\u7684\u50f9\u503c\u3002\n\u7d50\u5408\u5176\u4ed6\u7b56\u7565\uff0c\u884c\u70ba\u6559\u7df4\u5e6b\u52a9\u7522\u751f\u4e86\u5927\u7d04 3% \u7684\u51c8\u56de\u5831\u589e\u9577\u3002  <\/p>\n\n<p>\u9ad8\u51c8\u503c\u4eba\u58eb\u9762\u81e8\u8a31\u591a\u7368\u7279\u7684\u6311\u6230\uff0c\u4e0d\u50c5\u8207\u4ed6\u5011\u5982\u4f55\u6295\u8cc7\u6216\u4f7f\u7528\u8cc7\u91d1\u6709\u95dc\uff0c\u9084\u8207\u4ed6\u4eba\u5982\u4f55\u770b\u5f85\u4ed6\u5011\u6709\u95dc\u3002\n\u4fdd\u8b77\u9019\u4e9b\u4eba\u5728\u5169\u500b\u65b9\u9762\u90fd\u514d\u53d7\u640d\u5931\u6709\u52a9\u65bc\u5728 P&amp;C \u4fdd\u96aa\u516c\u53f8\u548c\u9ad8\u51c8\u503c\u5ba2\u6236\u4e4b\u9593\u5efa\u7acb\u95dc\u4fc2\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-talking-stock-market-1024x683.jpg\" alt=\"\" class=\"wp-image-9569\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-talking-stock-market-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-talking-stock-market-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-talking-stock-market-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-talking-stock-market.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u9ad8\u51c8\u503c\u4eba\u58eb\u7684\u7db2\u8def\u5b89\u5168\u548c\u6578\u64da\u4fdd\u8b77<\/h2>\n\n<p>\u96d6\u7136\u4f01\u696d\u4e3b\u53ef\u80fd\u6703\u8003\u616e\u8207\u4f01\u696d\u76f8\u95dc\u7684\u7db2\u8def\u5b89\u5168\u548c\u6578\u64da\u4fdd\u8b77\u98a8\u96aa\uff0c\u4f46\u9ad8\u51c8\u503c\u4eba\u58eb\u53ef\u80fd\u6c92\u6709\u610f\u8b58\u5230\u4ed6\u5011\u4e5f\u53ef\u4ee5\u5728\u500b\u4eba\u751f\u6d3b\u4e2d\u5f9e\u7db2\u8def\u5b89\u5168\u4fdd\u8b77\u4e2d\u53d7\u76ca\u3002<\/p>\n\n<p>\u5728 COVID-19 \u5927\u6d41\u884c\u671f\u9593\uff0c\u96a8\u8457\u54e1\u5de5\u5f9e\u8fa6\u516c\u5ba4\u5de5\u4f5c\u8f49\u5411\u5728\u5bb6\u5de5\u4f5c\uff0c\u7db2\u8def\u653b\u64ca\u6709\u6240\u589e\u52a0\u3002\n\u9ad8\u51c8\u503c\u4eba\u58eb\u6bd4\u5176\u4ed6\u54e1\u5de5\u66f4\u6709\u53ef\u80fd\u6210\u70ba\u653b\u64ca\u76ee\u6a19\uff1a\u6839\u64da Chubb \u7684\u4e00\u9805 <a href=\"https:\/\/news.chubb.com\/Chubb-Survey-of-Americans-Working-from-Home\" target=\"_blank\" rel=\"noreferrer noopener\">\u7814\u7a76<\/a> \uff0c\u5927\u7d04 10% \u7684\u9ad8\u51c8\u503c\u53d7\u8a2a\u8005\u8868\u793a\uff0c\u5728\u75ab\u60c5\u671f\u9593\u5728\u5bb6\u5de5\u4f5c\u6642\u906d\u53d7\u4e86\u7db2\u8def\u653b\u64ca\uff0c\u800c\u7e3d\u9ad4\u53d7\u8a2a\u8005\u7684\u9019\u4e00\u6bd4\u4f8b\u70ba 3%\u3002 <\/p>\n\n<p>\u201c\u81ea 2 \u6708 [2020]\u4ee5\u4f86\uff0c\u91dd\u5c0d\u5bb6\u5ead\u7684\u672a\u9042\u6216\u6210\u529f\u8972\u64ca\u6578\u91cf\u731b\u589e\uff0c\u56e0\u70ba\u58de\u4eba\u77e5\u9053\u5f88\u591a\u4eba\u5728\u5bb6\u5de5\u4f5c\uff0c\u201d\u98a8\u96aa\u8aee\u8a62\u516c\u53f8 Mechelsen Private Client \u7e3d\u88c1 <a href=\"https:\/\/www.insurancebusinessmag.com\/us\/news\/high-net-worth\/three-cybersecurity-myths-that-high-net-worth-clients-need-to-overcome-242466.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Darren McGraw<\/a> \u8aaa\u3002\n\u201c\u5f88\u591a\u58de\u4eba\u90fd\u77e5\u9053\uff0c\u5bb6\u5ead\u7db2\u7edc\u548c\u5bb6\u5ead\u7fd2\u6163\uff0c\u4ee5\u53ca\u6211\u5011\u7d93\u71df\u6578\u4f4d\u751f\u6d3b\u7684\u65b9\u5f0f\uff0c\u6bd4\u6211\u5011\u5728\u6b63\u5f0f\u7684\u8fa6\u516c\u5ba4\u5de5\u4f5c\u74b0\u5883\u4e2d\u6642\u8981\u5bec\u9b06\u3002\u201d\n\u7531\u65bc\u9ad8\u51c8\u503c\u4eba\u58eb\u5728\u5de5\u4f5c\u4e2d\u7d93\u5e38\u53ef\u4ee5\u8a2a\u554f\u975e\u5e38\u6709\u50f9\u503c\u7684\u6578\u64da\uff0c\u800c\u4e14\u4ed6\u5011\u53ef\u80fd\u6703\u5931\u53bb\u66f4\u591a\uff0c\u56e0\u6b64\u4ed6\u5011\u6210\u70ba\u7006\u8077\u884c\u70ba\u7684\u8a98\u4eba\u76ee\u6a19\u3002  <\/p>\n\n<p>\u7136\u800c\uff0c\u7db2\u8def\u653b\u64ca\u7684\u98a8\u96aa\u4ecd\u7136\u4e26\u4e0d\u7e3d\u662f\u5f97\u5230\u4ed6\u5011\u9700\u8981\u7684\u95dc\u6ce8\u3002\nChubb \u7684\u7814\u7a76\u767c\u73fe\uff0c\u300c\u5927\u591a\u6578\u53d7\u8a2a\u8005\u5c0d\u5728\u9060\u7aef\u5de5\u4f5c\u6642\u6210\u70ba\u7db2\u8def\u653b\u64ca\u76ee\u6a19\u7684\u64d4\u6182\u4e0d\u5c51\u4e00\u9867\uff0c\u8fd1\u4e00\u534a\u7684\u53d7\u8a2a\u8005\u6b63\u5728\u4f7f\u7528\u500b\u4eba\u8a2d\u5099\u6216\u96fb\u5b50\u90f5\u4ef6\u5e33\u6236\u958b\u5c55\u696d\u52d9\uff0c\u300dChubb \u9996\u5e2d\u6578\u4f4d\u5b98\u517c\u9996\u5e2d\u98a8\u96aa\u5b98 <a href=\"https:\/\/news.na.chubb.com\/2020-07-14-Chubb-Survey-Americans-Working-from-Home-During-COVID-19-are-Productive-and-Resilient-But-Signs-of-Strain-are-Showing\" target=\"_blank\" rel=\"noreferrer noopener\">Sean Ringsted<\/a> \u8aaa\u3002 <\/p>\n\n<p>\u6b63\u78ba\u7684\u4fdd\u96aa\u53ef\u4ee5\u8aac\u660e\u9ad8\u51c8\u503c\u4eba\u58eb\u5f9e\u7db2\u8def\u653b\u64ca\u4e2d\u6062\u5fa9\u904e\u4f86\u3002\n\u4fdd\u96aa\u7bc4\u570d\u4e0d\u50c5\u61c9\u95dc\u6ce8\u653b\u64ca\u7684\u7269\u8cea\u6210\u672c\uff08\u5982\u6d29\u9732\u7684\u6578\u64da\uff09\uff0c\u9084\u61c9\u95dc\u6ce8\u8af8\u5982\u767c\u751f\u653b\u64ca\u6642\u77e5\u540d\u4eba\u58eb\u7684\u8072\u8b7d\u53ef\u80fd\u906d\u53d7\u7684\u640d\u5bb3\u7b49\u554f\u984c\u3002\n\u5728\u8eab\u4efd\u76dc\u7aca\u7684\u60c5\u6cc1\u4e0b\u6062\u5fa9\u88ab\u76dc\u8cc7\u8a0a\u7684\u9700\u6c42\u4e5f\u81f3\u95dc\u91cd\u8981\uff0cGulfshore Insurance \u7684\u526f\u5ba2\u6236\u9867\u554f <a href=\"https:\/\/www.gulfshoreinsurance.com\/cyber-liability-risk-keeps-wealthy-night\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kevin Havemeier<\/a> \u8aaa\u3002  <\/p>\n\n<p>\u6469\u6839\u58eb\u4e39\u5229\u8ca1\u5bcc\u7ba1\u7406\u8463\u4e8b\u7e3d\u7d93\u7406 <a href=\"https:\/\/www.thinkadvisor.com\/2020\/08\/03\/morgan-stanley-adds-pc-insurance-for-wealth-clients\/\" target=\"_blank\" rel=\"noreferrer noopener\">Joseph Toledano<\/a> \u8868\u793a\uff0c\u7db2\u8def\u5b89\u5168\u98a8\u96aa\u76f8\u5c0d\u8f03\u65b0\u4e14\u53f2\u7121\u524d\u4f8b\uff0c\u9019\u7a2e\u60c5\u6cc1\u5c0d\u65bc\u9ad8\u51c8\u503c\u500b\u4eba\u548c\u5bb6\u5ead\u4f86\u8aaa\u53ef\u80fd\u5c24\u5176\u5982\u6b64\u3002\n\u5c0b\u6c42\u652f\u63f4\u9ad8\u51c8\u503c\u5ba2\u6236\u7684\u4fdd\u96aa\u516c\u53f8\u9664\u4e86\u63d0\u4f9b\u4ed6\u5011\u9700\u8981\u7684\u4fdd\u96aa\u5916\uff0c\u9084\u53ef\u80fd\u9700\u8981\u6559\u80b2\u9019\u4e9b\u4eba\u4e86\u89e3\u4ed6\u5011\u9762\u81e8\u7684\u7db2\u8def\u5b89\u5168\u98a8\u96aa\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-older-couple-1024x682.jpg\" alt=\"\" class=\"wp-image-9559\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-older-couple-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-older-couple-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-older-couple-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-older-couple.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u5efa\u7acb\u8ca1\u5bcc\u7ba1\u7406\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2<\/h2>\n\n<p>\u9ad8\u51c8\u503c\u4eba\u58eb\u7ba1\u7406\u8ca1\u5bcc\u4ee5\u53ca\u4fdd\u96aa\u516c\u53f8\u70ba\u9019\u4e9b\u5ba2\u6236\u63d0\u4f9b\u57fa\u672c\u4fdd\u96aa\u7684\u6700\u4f73\u65b9\u5f0f\u4e4b\u4e00\u662f\u8207\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u5408\u4f5c\u3002<\/p>\n\n<p>\u201c\u4fdd\u96aa\u548c\u5c08\u696d\u7ba1\u7406\u670d\u52d9\u7684\u53ef\u9760\u7d50\u5408\u662f\u61c9\u5c0d\u9019\u4e9b\u98a8\u96aa\u7684\u6700\u6574\u9ad4\u65b9\u6cd5\uff0c\u7121\u8ad6\u9019\u4e9b\u98a8\u96aa [faced by high net worth individuals]\u662f\u8207\u5de5\u4f5c\u9084\u662f\u65c5\u884c\u76f8\u95dc\uff0c\u201dCargill \u8aaa\u3002<\/p>\n\n<p>\u8ca1\u5bcc\u7ba1\u7406\u670d\u52d9\u5728\u540c\u4e00\u5c4b\u7c37\u4e0b\u70ba\u9ad8\u51c8\u503c\u5ba2\u6236\u63d0\u4f9b\u591a\u9805\u670d\u52d9\u3002\n\u8207\u8ca1\u52d9\u9867\u554f\u4e00\u6a23\uff0c\u4ed6\u5011\u63d0\u4f9b\u8ca1\u52d9\u8aee\u8a62\uff0c\u4e26\u5728\u63d0\u4f9b\u8ca1\u52d9\u5efa\u8b70\u6642\u5145\u7576\u5ba2\u89c0\u7684\u7b2c\u4e09\u65b9\u3002 <\/p>\n\n<p>\u201c\u6295\u8cc7\u8005\u9762\u81e8\u7684\u6700\u5927\u554f\u984c\u662f\u4ed6\u5011\u7684\u60c5\u7dd2\u6703\u53d7\u5230\u963b\u7919\uff0c\u201d\u8a3b\u518a\u8ca1\u52d9\u898f\u5283\u5e2b <a href=\"https:\/\/www.nerdwallet.com\/article\/investing\/wealth-advisor\" target=\"_blank\" rel=\"noreferrer noopener\">Laila Pence<\/a> \u8aaa\u3002\n\u201c\u7121\u8ad6\u60a8\u662f\u8ca1\u52d9\u9867\u554f\u9084\u662f\u8ca1\u5bcc\u9867\u554f\uff0c\u6700\u5927\u7684\u5de5\u4f5c\u5c31\u662f\u5f15\u5c0e\u5ba2\u6236\u5ea6\u904e\u9019\u4e9b\u975e\u5e38\u975e\u5e38\u52d5\u8569\u7684\u6642\u671f\u3002\u201d <\/p>\n\n<p>COVID-19 \u5927\u6d41\u884c\u4fc3\u4f7f\u7f8e\u570b\u4eba\u5411\u91d1\u878d\u548c\u8ca1\u5bcc\u9867\u554f\u5c0b\u6c42\u5efa\u8b70\u3002\n\u5168\u570b\u9000\u4f11\u7814\u7a76\u6240 \uff08Nationwide Retirement Institute\uff09 \u65bc 2020 \u5e74\u521d\u767c\u4f48\u7684\u4e00\u9805\u7814\u7a76\u767c\u73fe\uff0c80% \u7684\u53d7\u8a2a\u8005\u548c 85% \u7684\u6295\u8cc7\u8005\u8a8d\u70ba\u81ea\u5df1\u5bb9\u6613\u53d7\u5230\u5916\u90e8\u4e8b\u4ef6\u7684\u5f71\u97ff;\u8a72\u516c\u53f8\u9ad8\u7d1a\u526f\u7e3d\u88c1 <a href=\"https:\/\/www.prnewswire.com\/news-releases\/new-study-shows-majority-of-americans-fear-contracting-covid-19-more-than-facing-a-recession-301045349.html\" target=\"_blank\" rel=\"noreferrer noopener\">Kristi Rodriguez<\/a> \u8868\u793a\uff0c\u5927\u7d04\u4e00\u534a\u7684\u9019\u5169\u500b\u7fa4\u9ad4\u90fd\u8868\u793a\uff0c\u5927\u6d41\u884c\u63d0\u9ad8\u4e86\u4ed6\u5011\u5c0d\u8ca1\u52d9\u7ba1\u7406\u548c\u6295\u8cc7\u898f\u5283\u9700\u8981\u5e6b\u52a9\u7684\u8a8d\u8b58\u3002 <\/p>\n\n<p>\u8207\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u4e00\u6a23\uff0c\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u5728\u5168\u7403\u75ab\u60c5\u4e4b\u5f8c\u4e5f\u9762\u81e8\u8457\u6311\u6230\u3002\n\u7136\u800c\uff0c\u884c\u696d\u5feb\u901f\u8b8a\u5316\u7684\u6642\u671f\u4e5f\u53ef\u80fd\u662f\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u8207\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u806f\u7e6b\u4ee5\u5efa\u7acb\u66f4\u7262\u56fa\u95dc\u4fc2\u7684\u6a5f\u6703\u3002 <\/p>\n\n<p>\u5728\u6469\u6839\u58eb\u4e39\u5229 \uff08Morgan Stanley\uff09 \u548c\u5967\u7def\u8aee\u8a62 \uff08Oliver Wyman\uff09 \u7684\u4e00\u4efd\u85cd\u76ae\u66f8\u4e2d\uff0c\u5efa\u8b70\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u5728\u4ed6\u5011\u5411\u9ad8\u51c8\u503c\u5ba2\u6236\u5c55\u793a\u7684\u7522\u54c1\u4e2d\u589e\u52a0\u5404\u7a2e\u5f62\u5f0f\u7684\u4fdd\u96aa\uff0c\u5305\u62ec P&amp;C \u4fdd\u96aa\u3002\n\u201c\u6211\u5011\u4f30\u8a08\uff0c\u63d0\u4f9b\u4fdd\u8b77\u7522\u54c1\u53ef\u4ee5\u63d0\u4f9b ~4% \u7684\u6536\u5165\u63d0\u5347\u4e26\u7dad\u8b77\u5ba2\u6236\u95dc\u4fc2\uff0c\u201d\u7531\u6469\u6839\u58eb\u4e39\u5229\u7684 <a href=\"https:\/\/www.oliverwyman.com\/content\/dam\/oliver-wyman\/v2\/publications\/2020\/jun\/Global-Wealth-Management-Report-2020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Betsy L. Graseck \u548c Oliver Wyman \u7684 Kai Upadek<\/a> \u9818\u5c0e\u7684\u7814\u7a76\u4eba\u54e1\u5beb\u9053\u3002 <\/p>\n\n<p>\u7814\u7a76\u4eba\u54e1\u9084\u5efa\u8b70\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u8003\u616e\u6574\u5408\u5230\u66f4\u5927\u7684\u751f\u614b\u7cfb\u7d71\u4e2d\uff0c\u65e2\u53ef\u4ee5\u63a5\u89f8\u5230\u65b0\u7684\u9ad8\u51c8\u503c\u5ba2\u6236\uff0c\u4e5f\u53ef\u4ee5\u63d0\u4f9b\u66f4\u5168\u9762\u7684\u4e00\u652c\u5b50\u670d\u52d9\u3002\n\u56e0\u6b64\uff0c\u63d0\u4f9b\u6b64\u985e\u751f\u614b\u7cfb\u7d71\u7684\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u806f\u7e6b\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\uff0c\u5305\u62ec\u4fdd\u96aa\u516c\u53f8\u751f\u614b\u7cfb\u7d71\u7522\u54c1\u4e2d\u7684\u9019\u4e9b\u5c08\u696d\u4eba\u58eb\u3002 <\/p>\n\n<p>\u5728\u63a5\u89f8\u9ad8\u51c8\u503c\u500b\u4eba\u65b9\u9762\uff0c\u4fdd\u96aa\u516c\u53f8\u9762\u81e8\u591a\u9805\u6311\u6230\u3002\n\u63d0\u4f9b\u6eff\u8db3\u9019\u4e9b\u500b\u4eba\u548c\u5bb6\u5ead\u7368\u7279\u9700\u6c42\u7684\u4fdd\u96aa\u662f\u5fc5\u9808\u7684\u3002\n\u4e86\u89e3\u7db2\u8def\u5b89\u5168\u7b49\u554f\u984c\u4ee5\u53ca\u5b83\u5011\u5982\u4f55\u5f71\u97ff\u9ad8\u51c8\u503c\u500b\u4eba\u548c\u5bb6\u5ead\u4e5f\u5f88\u91cd\u8981\u3002  <\/p>\n\n<p>\u70ba\u4e86\u63d0\u4f9b\u9ad8\u51c8\u503c\u4eba\u58eb\u6240\u9700\u7684\u670d\u52d9\uff0c\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u8207\u8ca1\u5bcc\u7ba1\u7406\u516c\u53f8\u3001\u8ca1\u5bcc\u9867\u554f\u548c\u5176\u4ed6\u5c08\u9580\u77ad\u89e3\u9ad8\u51c8\u503c\u5ba2\u6236\u9700\u6c42\u7684\u5c08\u696d\u4eba\u58eb\u5408\u4f5c\u3002\n\u5c08\u6ce8\u65bc\u7d50\u5408\u9867\u554f\u548c\u5176\u4ed6\u5c08\u9580\u91dd\u5c0d\u9ad8\u51c8\u503c\u5ba2\u6236\u7684\u5ba2\u6236\u7684\u6280\u80fd\u548c\u7522\u54c1\u7684\u5728\u7dda\u751f\u614b\u7cfb\u7d71\u662f\u52a0\u5f37\u9019\u4e9b\u95dc\u4fc2\u4e26\u63d0\u4f9b\u9ad8\u51c8\u503c\u500b\u4eba\u548c\u5bb6\u5ead\u6240\u9700\u7684\u8986\u84cb\u7bc4\u570d\u7684\u4e00\u7a2e\u65b9\u5f0f\u3002 <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1a fizkes\/\u00a9123RF.com\uff0c gstockstudio\/\u00a9123RF.com\uff0c fizkes\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9ad8\u51c8\u503c\u4eba\u58eb\u901a\u5e38\u9762\u81e8\u7368\u7279\u7684\u98a8\u96aa\u3002 \u5118\u7ba1\u4ed6\u5011\u7684\u8ca1\u52d9\u72c0\u6cc1\u4e0d\u4f73\uff0c\u4f46\u8a31\u591a\u4eba\u7684\u4fdd\u96aa\u4e0d\u8db3\uff0c\u5c24\u5176\u662f\u5728\u9019\u4e9b\u7368\u7279\u7684\u98a8\u96aa\u9818\u57df\u3002 \u7368\u7279 [&hellip;]<\/p>\n","protected":false},"featured_media":9581,"template":"","insight-category":[],"class_list":["post-19486","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19486","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/9581"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19486"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19486"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}