<script></script>
{"id":235378,"date":"2026-03-30T17:10:07","date_gmt":"2026-03-31T01:10:07","guid":{"rendered":"https:\/\/www.singtao.tv\/main\/?p=235378"},"modified":"2026-03-30T13:16:55","modified_gmt":"2026-03-30T21:16:55","slug":"%e4%bc%8a%e6%9c%97%e8%a1%9d%e7%aa%81%e6%b2%b9%e5%83%b9%e7%a0%b4120%ef%bc%8c2026%e9%87%91%e8%9e%8d%e6%b5%b7%e5%98%af%e9%87%8d%e6%bc%94%ef%bc%9f%e5%b0%88%e5%ae%b6%e6%8b%86%e8%a7%a3-iul-%e4%bf%9d","status":"publish","type":"post","link":"https:\/\/www.singtao.tv\/main\/lifestyle\/investment\/%e4%bc%8a%e6%9c%97%e8%a1%9d%e7%aa%81%e6%b2%b9%e5%83%b9%e7%a0%b4120%ef%bc%8c2026%e9%87%91%e8%9e%8d%e6%b5%b7%e5%98%af%e9%87%8d%e6%bc%94%ef%bc%9f%e5%b0%88%e5%ae%b6%e6%8b%86%e8%a7%a3-iul-%e4%bf%9d\/","title":{"rendered":"\u4f0a\u6717\u885d\u7a81\u6cb9\u50f9\u7834$120\uff0c2026\u91d1\u878d\u6d77\u562f\u91cd\u6f14\uff1f\u5c08\u5bb6\u62c6\u89e3 IUL \u4fdd\u96aa\u4e94\u5927\u5751 &#038; \u52a0\u5dde\u8ce3\u6a13\u5408\u6cd5\u6173\u7a05\u79d8\u7b08\uff5c\u8ca1\u7d93\u812b\u53e3\u79c0\uff5c\u6c88\u741b\u741b\uff5c\u99ae\u5049\u502b\uff5cSophia Li"},"content":{"rendered":"<p>\ud83d\udca5 \u4f0a\u6717\u885d\u7a81\u7b2c4\u9031\uff0c\u6cb9\u50f9\u98c6\u5347 60% \u7a81\u7834 $120 \u5927\u95dc\uff01 \u9019\u662f\u5426\u6703\u5f15\u767c\u985e\u4f3c 2008 \u5e74\u7684\u5168\u7403\u91d1\u878d\u5371\u6a5f\uff1f\u7576\u50b3\u7d71\u667a\u6167\u300c\u907f\u96aa\u8cb7\u9ec3\u91d1\u300d\u5931\u6548\uff0c\u6295\u8cc7\u8005\u8a72\u5982\u4f55\u5b88\u4f4f\u8377\u5305\uff1f<\/p>\n<p>\u4eca\u96c6\u300a\u8ca1\u7d93\u812b\u53e3\u79c0\u300b\uff0c\u6211\u5011\u5148\u5f9e\u4e2d\u6771\u8377\u83ab\u8332\u6d77\u5cfd\u5c40\u52e2\u5207\u5165\uff0c\u62c6\u89e3\u70ba\u4f55 2026 \u5e74\u7684\u80fd\u6e90\u7d50\u69cb\u6539\u8b8a\u8b93\u80a1\u5e02\u5c55\u73fe\u9a5a\u4eba\u97cc\u6027\uff0c\u4e26\u5206\u6790\u300c\u9ad8\u5229\u7387\u3001\u4f4e\u589e\u9577\u300d\u7684\u6eef\u8139\u74b0\u5883\u4e0b\uff0c\u54ea\u4e9b\u9632\u79a6\u6027\u8cc7\u7522\uff08Utilities\/Healthcare\uff09\u624d\u662f\u771f\u6b63\u7684\u907f\u98a8\u6e2f\u3002<\/p>\n<p>\u5f8c\u534a\u5834\uff0c\u6211\u5011\u9080\u8acb CFP Sophia \u6df1\u5165\u5256\u6790\u7063\u5340\u6700\u706b\u71b1\u4e5f\u6700\u795e\u7955\u7684 IUL \u6307\u6578\u578b\u842c\u80fd\u96aa\u3002\u5f88\u591a\u4eba\u8cb7\u4e86\u537b\u9762\u81e8\u300c\u65b7\u4f9b\u300d\u548c\u300c\u4fdd\u55ae\u5931\u6548\u300d\uff0cSophia \u5c07\u9010\u4e00\u63ed\u958b\uff1a\u767e\u842c\u5bf6\u5bf6\u8a08\u5283\u9677\u9631\u3001\u6700\u4f4e\u4fdd\u8cbb\u9677\u9631\u3001\u4ee5\u53ca IRS \u7684 MEC \u7a05\u52d9\u5730\u96f7\uff01\u6700\u5f8c\uff0c\u91dd\u5c0d\u52a0\u5dde\u5c4b\u4e3b\uff0c\u6211\u5011\u6703\u5206\u4eab\u9664\u4e86 1031 Exchange \u4e4b\u5916\uff0c\u9ad8\u7ba1 RSU \u8207\u623f\u7522\u589e\u503c\u7a05\uff08Capital Gain\uff09\u7684\u5408\u6cd5\u5ef6\u7a05\u5be6\u6230\u7b56\u7565\u3002<\/p>\n<p>\u83ef\u4fe1\u6295\u8cc7\u9867\u554f\u4e3b\u5e2d \u99ae\u5049\u502b William Fung\uff0c\u806f\u540c\u8a3b\u518a\u7406\u8ca1\u898f\u5283\u5e2b CFP Sophia Li\uff0c\u70ba\u5927\u5bb6\u7cbe\u6e96\u5c0e\u822a\uff01<\/p>\n<p>\ud83d\udccc \u5f71\u7247\u91cd\u9ede\uff1a<br \/>\n\u2705 \u4f0a\u6717\u885d\u7a81\u5347\u6eab\uff1a\u8377\u83ab\u8332\u6d77\u5cfd\uff08Hormuz Strait\uff09\u5c01\u9396 20% \u77f3\u6cb9\u4f9b\u61c9\uff0c\u70ba\u4f55\u6cb9\u50f9\u98c6\u5347\u81f3 $119 \u4f46\u80a1\u5e02\u6c92\u5d29\u76e4\uff1f<br \/>\n\u2705 2026 \u91d1\u878d\u7cfb\u7d71\u5927\u9ad4\u6aa2\uff1a\u8207 2008 \u5e74\u76f8\u6bd4\uff0c\u73fe\u5728\u7684\u9280\u884c\u9ad4\u7cfb\u8207\u80fd\u6e90\u4f9d\u8cf4\u7d50\u69cb\u6709\u4f55\u672c\u8cea\u5340\u5225\uff1f<br \/>\n\u2705 \u9ec3\u91d1\u795e\u8a71\u7834\u6ec5\uff1f\u8a73\u89e3\u70ba\u4f55\u300c\u6230\u722d \u2014 \u901a\u8139 \u2014 \u52a0\u606f\u9810\u671f\u300d\u6703\u5c0e\u81f4\u91d1\u50f9\u9006\u5e02\u56de\u843d 15%\u3002<br \/>\n\u2705 \u7063\u5340\u88c1\u54e1\u6f6e\u8207 AI \u885d\u64ca\uff1a\u5931\u696d\u7387 4.4% \u80cc\u666f\u4e0b\uff0c\u666e\u901a\u5bb6\u5ead\u61c9\u5982\u4f55\u900f\u904e\u300c\u589e\u503c\u300d\u8207\u300c\u8cc7\u7522\u914d\u7f6e\u300d\u6297\u96aa\uff1f<br \/>\n\u2705 \u623f\u8cb8\u4f48\u5c40\uff1a\u5728\u9ad8\u5229\u7387\u524d\u666f\u4e0d\u660e\u4e0b\uff0c\u70ba\u4ec0\u9ebc Sophia \u5efa\u8b70\u300c30\u5e74\u56fa\u5b9a\u5229\u7387\u300d\u512a\u65bc\u6d6e\u52d5\u5229\u7387\uff08ARM\uff09\uff1f<\/p>\n<p>\ud83d\udca1 IUL \u4eba\u58fd\u4fdd\u96aa\uff1a\u907f\u5751\u6307\u5357<br \/>\n\ud83d\udd39 \u5751\u4f4d #1\uff1a\u7d66\u525b\u51fa\u751f\u5bf6\u5bf6\u8cb7 IUL \u771f\u7684\u5212\u7b97\u55ce\uff1f\u89e3\u5bc6\u300c\u69d3\u687f\u512a\u52e2\u300d\u7684\u771f\u76f8\u3002<br \/>\n\ud83d\udd39 \u5751\u4f4d #2\uff1a\u6700\u4f4e\u4fdd\u8cbb\uff08Minimum Payment\uff09\u9677\u9631\uff1a\u70ba\u4ec0\u9ebc\u4ea4\u4e86 20 \u5e74\u4fdd\u8cbb\uff0c82 \u6b72\u6642\u4fdd\u55ae\u6703\u5931\u6548\uff1f<br \/>\n\ud83d\udd39 \u5751\u4f4d #3\uff1aMEC \u7a05\u52d9\u70b8\u5f48\uff1a\u524d 7 \u5e74\u4ea4\u9322\u592a\u591a\u6703\u9762\u81e8 IRS \u7f70\u6b3e\uff1f\u63d0\u6b3e\u5982\u4f55\u514d\u7a05\uff1f<br \/>\n\ud83d\udd39 \u5751\u4f4d #4\uff1aIncreasing vs Level \u4fdd\u984d\u9078\u64c7\uff1a\u5c08\u696d\u898f\u5283\u5982\u4f55\u5e6b\u4f60\u7701\u4e0b\u6578\u5341\u842c\u4fdd\u96aa\u6210\u672c\uff1f<br \/>\n\ud83d\udd39 \u5751\u4f4d #5\uff1a\u4fdd\u8cbb\u878d\u8cc7\uff08Premium Financing\uff09\uff1a\u9ad8\u5229\u606f\u74b0\u5883\u4e0b\u7684\u9ad8\u69d3\u687f\u98a8\u96aa\uff0c70 \u6b72\u6848\u4f8b\u8840\u6dda\u6559\u8a13\u3002<\/p>\n<p>\ud83c\udfe0 \u52a0\u5dde\u7701\u7a05\u8207\u8cc7\u7522\u8f49\u79fb<br \/>\n\ud83d\udd38 \u52a0\u5dde\u8ce3\u6a13 Capital Gain \u592a\u91cd\uff1f\u9664\u4e86 1031 Exchange\uff0c\u9084\u6709\u54ea\u4e9b\u5408\u6cd5\u5ef6\u7a05\u5de5\u5177\uff1f<br \/>\n\ud83d\udd38 \u9ad8\u79d1\u6280\u516c\u53f8\u4e3b\u7ba1\u5fc5\u770b\uff1a\u5982\u4f55\u8655\u7406 RSU \u8207 Stock Options \u7684\u589e\u503c\u7a05\u58d3\u529b\uff1f<br \/>\n\ud83d\udd38 \u4ea4\u63db\u57fa\u91d1\uff08Exchange Fund\uff09\u8207 Tax Loss Harvesting\uff1a\u5927\u6236\u5982\u4f55\u8b93\u8cc7\u7522\u9032\u53e3\u888b\u524d\u4e0d\u7e2e\u6c34\uff1f<\/p>\n<p>\ud83d\udce1 2026 \u5e74\uff0c\u5e02\u5834\u6ce2\u52d5\u8207\u7a05\u52d9\u8b8a\u66f4\u4ea4\u7e54\u3002\u60a8\u9700\u8981\u7684\u4e0d\u518d\u662f\u55ae\u4e00\u7522\u54c1\uff0c\u800c\u662f\u4e00\u5957\u80fd\u300c\u5e73\u6ed1\u6ce2\u52d5\u3001\u5408\u6cd5\u7701\u7a05\u300d\u7684\u7d9c\u5408\u7406\u8ca1\u898f\u5283\uff01<\/p>\n<p>\ud83d\udc49 \ud83d\udce2 \u8a18\u5f97\u8a02\u95b1\u300a\u8ca1\u7d93\u812b\u53e3\u79c0\u300b\uff01<br \/>\n\ud83d\udd14 \u6309\u8b9a \ud83d\udc4d\u3001\u5206\u4eab\u5f71\u7247\uff0c\u638c\u63e1 2026 \u5168\u7403\u8b8a\u5c40\uff0c\u70ba\u5bb6\u5ead\u8ca1\u52d9\u5b89\u5168\u7bc9\u8d77\u9632\u8b77\u7246\uff01<\/p>\n<p>\ud83d\udcac \u6b61\u8fce\u5728\u7559\u8a00\u5206\u4eab\uff1a<br \/>\n\u9762\u5c0d\u6cb9\u50f9\u548c\u7a05\u52d9\u58d3\u529b\uff0c\u4f60\u4eca\u5e74\u6700\u64d4\u5fc3\u7684\u7406\u8ca1\u554f\u984c\u662f\u4ec0\u9ebc\uff1f\u4f60\u5c0d IUL \u4fdd\u96aa\u6216\u52a0\u5dde\u623f\u5e02\u6709\u4ec0\u9ebc\u89aa\u8eab\u7d93\u6b77\uff1f<\/p>\n<p>\u672c\u6750\u6599\u7531 Chinese Information Radio \u4ee3\u8868\u661f\u5cf6\u65b0\u805e\u96c6\u5718\u6709\u9650\u516c\u53f8\u767c\u4f48\uff0c\u66f4\u591a\u76f8\u95dc\u4fe1\u606f\u53ef\u5f9e\u83ef\u76db\u9813\u7279\u5340\u53f8\u6cd5\u90e8\u7372\u5f97\u3002<\/p>\n<p>\u8acb\u52a0\u5165\u6210\u70ba\u6703\u54e1\uff0c\u652f\u6301\u826f\u5fc3\u6b63\u6d3e\u50b3\u5a92\uff1a<br \/>\nhttps:\/\/www.youtube.com\/channel\/UCYWSlgQB1BpfQTkNm_P5qIw\/join<br \/>\n\u8acb\u661f\u96fb\u8996\u98f2\u8336\uff1ahttps:\/\/www.buymeacoffee.com\/singtaousa<\/p>\n<p>#\u8ca1\u7d93\u812b\u53e3\u79c0 #\u6c88\u6668\u6668 #\u99ae\u5049\u502b #SophiaLi #2026\u6295\u8cc7 #\u4f0a\u6717\u885d\u7a81 #\u6cb9\u50f9\u98c6\u5347 #\u9ec3\u91d1 #IUL #\u4eba\u58fd\u4fdd\u96aa #\u52a0\u5dde\u623f\u7522 #CapitalGain #1031Exchange #RSU\u7701\u7a05 #\u7406\u8ca1\u907f\u5751 #CFP #\u8ca1\u52d9\u898f\u5283<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udca5 \u4f0a\u6717\u885d\u7a81\u7b2c4\u9031\uff0c\u6cb9\u50f9\u98c6\u5347 60% \u7a81\u7834 $120 \u5927\u95dc\uff01 \u9019\u662f\u5426\u6703\u5f15\u767c\u985e\u4f3c 2008 \u5e74\u7684\u5168\u7403\u91d1\u878d\u5371\u6a5f\uff1f\u7576\u50b3\u7d71\u667a\u6167\u300c\u907f\u96aa\u8cb7\u9ec3\u91d1\u300d\u5931\u6548\uff0c\u6295\u8cc7\u8005\u8a72\u5982\u4f55\u5b88\u4f4f\u8377\u5305\uff1f \u4eca\u96c6\u300a\u8ca1\u7d93\u812b\u53e3\u79c0\u300b\uff0c\u6211\u5011\u5148\u5f9e\u4e2d\u6771\u8377\u83ab\u8332\u6d77\u5cfd\u5c40\u52e2\u5207\u5165\uff0c\u62c6\u89e3\u70ba\u4f55 2026 \u5e74\u7684\u80fd\u6e90\u7d50\u69cb\u6539\u8b8a\u8b93\u80a1\u5e02\u5c55\u73fe\u9a5a\u4eba\u97cc\u6027\uff0c\u4e26\u5206\u6790\u300c\u9ad8\u5229\u7387\u3001\u4f4e\u589e\u9577\u300d\u7684\u6eef\u8139\u74b0\u5883\u4e0b\uff0c\u54ea\u4e9b\u9632\u79a6\u6027\u8cc7\u7522\uff08Utilities\/Healthcare\uff09\u624d\u662f\u771f\u6b63\u7684\u907f\u98a8\u6e2f\u3002 \u5f8c\u534a\u5834\uff0c\u6211\u5011\u9080\u8acb CFP Sophia \u6df1\u5165\u5256\u6790\u7063\u5340\u6700\u706b\u71b1\u4e5f\u6700\u795e\u7955\u7684 IUL \u6307\u6578\u578b\u842c\u80fd\u96aa\u3002\u5f88\u591a\u4eba\u8cb7\u4e86\u537b\u9762\u81e8\u300c\u65b7\u4f9b\u300d\u548c\u300c\u4fdd\u55ae\u5931\u6548\u300d\uff0cSophia \u5c07\u9010\u4e00\u63ed\u958b\uff1a\u767e\u842c\u5bf6\u5bf6\u8a08\u5283\u9677\u9631\u3001\u6700\u4f4e\u4fdd\u8cbb\u9677\u9631\u3001\u4ee5\u53ca IRS \u7684 MEC \u7a05\u52d9\u5730\u96f7\uff01\u6700\u5f8c\uff0c\u91dd\u5c0d\u52a0\u5dde\u5c4b\u4e3b\uff0c\u6211\u5011\u6703\u5206\u4eab\u9664\u4e86 1031 Exchange \u4e4b\u5916\uff0c\u9ad8\u7ba1 RSU \u8207\u623f\u7522\u589e\u503c\u7a05\uff08Capital Gain\uff09\u7684\u5408\u6cd5\u5ef6\u7a05\u5be6\u6230\u7b56\u7565\u3002 \u83ef\u4fe1\u6295\u8cc7\u9867\u554f\u4e3b\u5e2d \u99ae\u5049\u502b William Fung\uff0c\u806f\u540c\u8a3b\u518a\u7406\u8ca1\u898f\u5283\u5e2b CFP Sophia Li\uff0c\u70ba\u5927\u5bb6\u7cbe\u6e96\u5c0e\u822a\uff01 \ud83d\udccc \u5f71\u7247\u91cd\u9ede\uff1a \u2705 \u4f0a\u6717\u885d\u7a81\u5347\u6eab\uff1a\u8377\u83ab\u8332\u6d77\u5cfd\uff08Hormuz Strait\uff09\u5c01\u9396 20% \u77f3\u6cb9\u4f9b\u61c9\uff0c\u70ba\u4f55\u6cb9\u50f9\u98c6\u5347\u81f3 $119 \u4f46\u80a1\u5e02\u6c92\u5d29\u76e4\uff1f \u2705 2026 \u91d1\u878d\u7cfb\u7d71\u5927\u9ad4\u6aa2\uff1a\u8207 2008 \u5e74\u76f8\u6bd4\uff0c\u73fe\u5728\u7684\u9280\u884c\u9ad4\u7cfb\u8207\u80fd\u6e90\u4f9d\u8cf4\u7d50\u69cb\u6709\u4f55\u672c\u8cea\u5340\u5225\uff1f \u2705 \u9ec3\u91d1\u795e\u8a71\u7834\u6ec5\uff1f\u8a73\u89e3\u70ba\u4f55\u300c\u6230\u722d \u2014 \u901a\u8139 \u2014 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":235399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"video","meta":{"footnotes":""},"categories":[90],"tags":[],"video-series":[],"_links":{"self":[{"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/posts\/235378"}],"collection":[{"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/comments?post=235378"}],"version-history":[{"count":2,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/posts\/235378\/revisions"}],"predecessor-version":[{"id":235394,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/posts\/235378\/revisions\/235394"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/media\/235399"}],"wp:attachment":[{"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/media?parent=235378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/categories?post=235378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/tags?post=235378"},{"taxonomy":"video-series","embeddable":true,"href":"https:\/\/www.singtao.tv\/main\/wp-json\/wp\/v2\/video-series?post=235378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}