{"id":1098208,"date":"2025-07-09T17:31:10","date_gmt":"2025-07-09T14:31:10","guid":{"rendered":"https:\/\/www.etoro.com\/investing\/target-date-funds\/"},"modified":"2025-07-18T16:19:54","modified_gmt":"2025-07-18T13:19:54","slug":"target-date-funds","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/zh\/investing\/target-date-funds\/","title":{"rendered":"\u76ee\u6807\u65e5\u671f\u57fa\u91d1\uff1a\u5168\u9762\u89e3\u6790"},"content":{"rendered":"\n<p class=\"is-style-summary\">\u76ee\u6807\u65e5\u671f\u57fa\u91d1\uff08TDF\uff09\u8fd0\u7528\u4e86\u6210\u5c31\u957f\u671f\u6295\u8d44\u7684\u4e00\u4e9b\u6838\u5fc3\u539f\u5219\u3002\u4e86\u89e3\u5b83\u4eec\u662f\u4ec0\u4e48\uff0c\u4e3a\u4f55\u201c\u4e0b\u6ed1\u8def\u5f84\u201d\u6295\u8d44\u53ef\u80fd\u9002\u5408\u60a8\uff0c\u4ee5\u53ca\u5982\u4f55\u901a\u8fc7TDF\u8fdb\u884c\u6295\u8d44\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator wp-block-separator-color-dark-grey wp-block-separator-spaces-medium 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class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/07\/Body-Image-1_-What-is-a-target-date-fund-TDF.png\" alt=\"\u4ec0\u4e48\u662f\u76ee\u6807\u65e5\u671f\u57fa\u91d1\uff08TDF\uff09\uff1f\" class=\"wp-image-desktop\"\/><\/figure>\n\n\n\n<h2 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class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/07\/Body-Image-2_-How-do-target-date-funds-TDFs-work.png\" alt=\"\u76ee\u6807\u65e5\u671f\u57fa\u91d1\uff08TDF\uff09\u5982\u4f55\u8fd0\u4f5c\uff1f\" class=\"wp-image-desktop\"\/><\/figure>\n\n\n\n<h2 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class=\"wp-block-heading\">\u4f7f\u7528\u4e0b\u6ed1\u8def\u5f84\u6295\u8d44\u7b56\u7565<\/h2>\n\n\n\n<p><strong>\u4e0b\u6ed1\u8def\u5f84\u662f\u76ee\u6807\u65e5\u671f\u57fa\u91d1\u7684\u5173\u952e\u7ec4\u6210\u90e8\u5206<\/strong>\uff0c\u5b83\u51b3\u5b9a\u57fa\u91d1\u7684\u8d44\u4ea7\u7ec4\u5408\u5982\u4f55\u968f\u65f6\u95f4\u53d8\u5316\u3002\u5f53\u8ddd\u79bb\u76ee\u6807\u65e5\u671f\u8f83\u8fdc\u65f6\u3002\u6743\u91cd\u504f\u5411\u589e\u957f\uff0c\u6bd4\u8f83\u9ad8\u3002\u968f\u7740\u76ee\u6807\u65e5\u671f\u7684\u4e34\u8fd1\uff0c\u91cd\u70b9\u8f6c\u5411\u4ef7\u503c\u3001\u589e\u52a0\u503a\u5238\u548c\u5176\u5b83\u4f4e\u98ce\u9669\u6295\u8d44\u7684\u8d44\u4ea7\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e00\u7b56\u7565\u8ba9\u6295\u8d44\u8005\u5728\u65e9\u671f\u80fd\u591f\u4ece<strong>\u589e\u957f\u7684\u6f5c\u5728\u9ad8\u56de\u62a5<\/strong>\u4e2d\u83b7\u76ca\uff0c\u540c\u65f6\u968f\u7740\u76ee\u6807\u65e5\u671f\u7684\u4e34\u8fd1\u9010\u6e10\u964d\u4f4e\u98ce\u9669\u3002\u4f8b\u5982\uff0c\u4e00\u4f4d\u8ddd\u79bb\u9000\u4f11\u8fd8\u6709\u51e0\u5341\u5e74\u7684\u5e74\u8f7b\u6295\u8d44\u8005\uff0c\u5176TDF\u53ef\u5728\u521d\u671f\u7740\u91cd\u589e\u957f\u3002\u968f\u7740\u65f6\u95f4\u63a8\u79fb\uff0c\u57fa\u91d1\u4f1a\u81ea\u52a8\u8f6c\u5411\u4ef7\u503c\uff0c\u964d\u4f4e\u5e02\u573a\u6ce2\u52a8\u7684\u5f71\u54cd\u3002<\/p>\n\n\n\n<div 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class=\"wp-block-heading\">\u4e0b\u884c\u578b\u7684\u4e0b\u6ed1\u8def\u5f84<\/h3>\n\n\n\n<p>\u6700\u5e38\u89c1\u7684\u7c7b\u578b\u662f\u4e0b\u884c\u578b\u4e0b\u6ed1\u8def\u5f84\uff0c\u5176\u6700\u521d\u589e\u957f\u8d44\u4ea7\u6bd4\u4f8b\u8f83\u9ad8\uff0c\u4e4b\u540e<strong>\u968f\u7740\u76ee\u6807\u65e5\u671f\u7684\u4e34\u8fd1<\/strong>\uff0c<strong>\u9010\u6e10\u8f6c\u5411\u4f4e\u98ce\u9669\u4ef7\u503c<\/strong>\u3002\u6b64\u7b56\u7565\u65e8\u5728\u65e9\u671f\u4f7f\u589e\u957f\u6700\u5927\u5316\uff0c\u540c\u65f6\u5728\u76ee\u6807\u65e5\u671f\u4e34\u8fd1\u65f6\u4fdd\u5168\u8d44\u672c\uff0c\u504f\u5411\u65e9\u671f\u7684\u8f83\u9ad8\u98ce\u9669\u655e\u53e3\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0a\u5347\u578b\u7684\u4e0b\u6ed1\u8def\u5f84<\/h3>\n\n\n\n<p>\u4e0a\u5347\u578b\u4e0b\u6ed1\u8def\u5f84\u59cb\u4e8e\u4fdd\u5b88\u7684\u8d44\u4ea7\u7ec4\u5408\uff0c\u5e76<strong>\u968f\u65f6\u95f4\u63a8\u79fb\u53d8\u5f97\u66f4\u5927\u80c6<\/strong>\u3002\u8fd9\u79cd\u65b9\u5f0f\u5e76\u4e0d\u5e38\u89c1\uff0c\u4e5f\u4e0d\u662f\u4e3a\u4e86\u5728\u7279\u5b9a\u76ee\u6807\u65e5\u671f\u53d6\u5f97\u7279\u5b9a\u8d22\u52a1\u76ee\u6807\uff0c\u8fd9\u79cd\u65b9\u5f0f\u6216\u8bb8\u80fd\u7528\u4e8e\u521d\u671f\u4e0d\u613f\u627f\u62c5\u9ad8\u98ce\u9669\u7684\u6295\u8d44\u8005\u3002\u4e00\u65e6\u6295\u8d44\u8005\u589e\u52a0\u81ea\u4fe1\uff0c\u5e76\u66f4\u613f\u610f\u5730\u7406\u5730\u7ba1\u7406\u4e0b\u6ed1\u8def\u5f84\u672c\u8eab\uff0c\u4ed6\u4eec\u53ef\u80fd\u4f1a\u5e0c\u671b\u8f6c\u5411\u4e0b\u884c\u578b\u4e0b\u6ed1\u8def\u5f84\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote wp-block-quote-scheme-green is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201c\u65f6\u95f4\u662f\u4f60\u7684\u670b\u53cb\uff1b\u51b2\u52a8\u662f\u4f60\u7684\u654c\u4eba\u3002\u7740\u773c\u957f\u8fdc\u3002\u201d\u2014\u2014\u672c\u6770\u660e\u00b7C\u00b7\u683c\u96f7\u5384\u59c6<\/p>\n<cite><a href=\"https:\/\/www.google.com\/url?q=https:\/\/www.google.com\/url?q%3Dhttps:\/\/www.meiriwenzhai.com\/index.php\/quote\/84341%26sa%3DD%26source%3Ddocs%26ust%3D1752575777859672%26usg%3DAOvVaw1Kiy9YcS3gorU83Ivr21bs&amp;sa=D&amp;source=editors&amp;ust=1752846778362018&amp;usg=AOvVaw1t2-49rvTD5qJpP33deXKH\" rel=\"nofollow noopener noreferrer\" >\u672c\u6770\u660e\u00b7C\u00b7\u683c\u96f7\u5384\u59c6<\/a><\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">TDF\u7684\u4f18\u52a3\u52bf\u662f\u4ec0\u4e48\uff1f<\/h2>\n\n\n\n<p>\u76ee\u6807\u65e5\u671f\u57fa\u91d1\u5177\u6709\u6570\u79cd\u4f18\u52bf\u3002\u4f46\u4e5f\u6709\u6f5c\u5728\u52a3\u52bf\u3002\u6df1\u5165\u4e86\u89e3\u8fd9\u4e9b\u4f18\u7f3a\u70b9\uff0c\u53ef\u4ee5\u5e2e\u52a9\u6295\u8d44\u8005\u4f5c\u51fa\u660e\u667a\u51b3\u7b56\u3002<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-2 is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-etoro-pros-cons wp-block-etoro-pros\"><div class=\"wp-block-etoro-pros-cons-title\"><strong>\u4f18\u52bf<\/strong><\/div><div class=\"wp-block-etoro-pros-cons-content\">\n<ul class=\"wp-block-list wp-block-list wp-block-list-check\">\n<li><strong>\u7b80\u5355\u660e\u4e86\uff1a<\/strong> TDF\u63d0\u4f9b\u4e86\u7b80\u5355\u7684\u6295\u8d44\u89e3\u51b3\u65b9\u6848\uff0c\u53ef\u968f\u65f6\u95f4\u63a8\u79fb\u81ea\u52a8\u8c03\u6574\u8d44\u4ea7\u914d\u7f6e\u3002<\/li>\n\n\n\n<li><strong>\u591a\u5143\u5316\uff1a<\/strong>\u6b64\u7c7b\u57fa\u91d1\u901a\u5e38\u914d\u7f6e\u4f17\u591a\u8d44\u4ea7\u7c7b\u578b\uff0c\u901a\u8fc7\u591a\u5143\u5316\u964d\u4f4e\u98ce\u9669\u3002\u6b32\u4e86\u89e3\u66f4\u591a\u591a\u5143\u5316\u5982\u4f55\u5f71\u54cd\u98ce\u9669\u7ba1\u7406\uff0c\u67e5\u9605\u6b64<a href=\"https:\/\/www.etoro.com\/zh\/investing\/risk-management\/\">\u6307\u5f15<\/a>\u3002<\/li>\n\n\n\n<li><strong>\u4e13\u4e1a\u7ba1\u7406\uff1a<\/strong> TDF\u9075\u5faa\u4e13\u4e1a\u8bbe\u8ba1\u7684\u6295\u8d44\u7b56\u7565\uff0c\u6839\u636e\u57fa\u91d1\u7684\u4e0b\u6ed1\u66f2\u7ebf\u8c03\u6574\u6295\u8d44\u7ec4\u5408\uff0c\u4e3a\u6295\u8d44\u8005\u8282\u7701\u65f6\u95f4\u548c\u7cbe\u529b\u3002<\/li>\n\n\n\n<li><strong>\u8282\u7a0e\u6548\u76ca<\/strong>\uff1a\u76ee\u6807\u65e5\u671f\u57fa\u91d1\uff08TDF\uff09\u53ef\u53c2\u4e0e\u4eab\u53d7\u7a0e\u6536\u4f18\u60e0\u7684\u50a8\u84c4\u548c\u6295\u8d44\u8ba1\u5212\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-etoro-pros-cons wp-block-etoro-cons\"><div class=\"wp-block-etoro-pros-cons-title\"><strong>\u52a3\u52bf<\/strong><\/div><div class=\"wp-block-etoro-pros-cons-content\">\n<ul class=\"wp-block-list wp-block-list wp-block-list-cross\">\n<li><strong>\u5ba2\u5236\u5316\u4e0d\u8db3\uff1a<\/strong> TDF\u9075\u5faa\u9884\u5148\u8bbe\u5b9a\u7684\u4e0b\u6ed1\u66f2\u7ebf\uff0c\u53ef\u80fd\u65e0\u6cd5\u5339\u914d\u6bcf\u4f4d\u6295\u8d44\u8005\u7684\u98ce\u9669\u627f\u53d7\u80fd\u529b\u6216\u8d22\u52a1\u76ee\u6807\u3002<\/li>\n\n\n\n<li><strong>\u8d39\u7528\u53ef\u80fd\u8f83\u9ad8\uff1a<\/strong> \u4e0e\u72ec\u7acb\u7ba1\u7406\u6295\u8d44\u76f8\u6bd4\uff0c\u4e13\u4e1a\u7ba1\u7406\u6240\u5e26\u6765\u7684\u4fbf\u5229\u53ef\u80fd\u4ea7\u751f\u66f4\u9ad8\u7684\u8d39\u7528\u3002<\/li>\n\n\n\n<li><strong>\u5e02\u573a\u98ce\u9669\uff1a<\/strong> \u5c3d\u7ba1\u9010\u6b65\u8f6c\u5411\u4fdd\u5b88\uff0cTDF\u4ecd\u7136\u53d7\u5230\u5e02\u573a\u6ce2\u52a8\u7684\u5f71\u54cd\uff0c\u8fd9\u53ef\u80fd\u4f1a\u5f71\u54cd\u6f5c\u5728\u56de\u62a5\u548c\u635f\u5931\u3002\u901a\u8fc7\u6b64<a href=\"https:\/\/www.etoro.com\/zh\/investing\/investing-vs-trading\/\">\u6295\u8d44\u6307\u5357<\/a>\u4e86\u89e3\u5e02\u573a\u8bc4\u4f30\u7684\u8981\u70b9\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u4e4f\u7075\u6d3b\u6027\uff1a<\/strong> TDF\u65e8\u5728\u4f9d\u8d56\u4e8e\u9009\u5b9a\u548c\u5df2\u9075\u5faa\u7684\u7b56\u7565\uff0c\u8fd9\u53ef\u80fd\u9650\u5236\u5176\u968f\u65f6\u95f4\u63a8\u79fb\u6839\u636e\u5e02\u573a\u4e8b\u4ef6\u8fdb\u884c\u8c03\u6574\u7684\u80fd\u529b\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u6295\u8d44TDF<\/h2>\n\n\n\n<p>\u6295\u8d44\u76ee\u6807\u65e5\u671f\u57fa\u91d1<strong>\u76f8\u5bf9\u7b80\u5355<\/strong>\u3002\u6295\u8d44\u8005\u9009\u62e9\u4e00\u4e2a\u76ee\u6807\u65e5\u671f\u4e0e\u5176\u4ed6\u4eba\u8d22\u52a1\u4fe1\u5ff5\u4e00\u81f4\u7684\u57fa\u91d1\u3002<\/p>\n\n\n\n<p>\u76ee\u6807\u65e5\u671f\u57fa\u91d1\u4e00\u822c\u53ef\u901a\u8fc7<strong>\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8ba1\u5212\u6216\u7ecf\u7eaa\u8d26\u6237<\/strong>\u8d2d\u4e70\u3002\u91cd\u8981\u7684\u662f\u8981\u4ed4\u7ec6\u67e5\u770b\u57fa\u91d1\u7684\u4e0b\u6ed1\u8def\u5f84\u548c\u8d39\u7528\uff0c\u786e\u4fdd\u8be5\u57fa\u91d1\u7b26\u5408\u60a8\u7684\u6295\u8d44\u76ee\u6807\u3002<\/p>\n\n\n\n<div class=\"wp-block-etoro-tip wp-block-etoro-tip-border-yellow\"><span class=\"wp-block-etoro-tip-icon\"><\/span><div class=\"wp-block-etoro-tip-text\">\n<p><strong>\u63d0\u793a\uff1a<\/strong> TDF\u7684\u4e00\u5927\u4f18\u52bf\u5728\u4e8e\u5176\u878d\u5408\u4e86<a href=\"https:\/\/www.etoro.com\/investing\/what-are-recurring-investment\/\">\u5b9a\u671f\u6295\u8d44<\/a>\u7684\u7b56\u7565\u7406\u5ff5\u3002<\/p>\n<\/div><\/div>\n\n\n\n<p>\u5982\u9700\u4e86\u89e3\u8be6\u60c5\uff0c\u53ef\u53c2\u8003\u4e86\u89e3<strong>\u7ba1\u7406\u578b\u76ee\u6807\u6a21\u5f0f\u6295\u8d44\u7ec4\u5408\uff0c<\/strong>\u6216\u53c2\u8003Vanguard\u3001Fidelity\u6216BlackRock\u7b49\u77e5\u540d\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u7684\u4ea7\u54c1\u3002\u5982\u679c\u60a8\u6709\u5176\u5b83\u521b\u5efa\u81ea\u52a8\u591a\u5143\u5316\u6295\u8d44\u7ec4\u5408\uff0c\u53ef\u901a\u8fc7<a href=\"https:\/\/www.etoro.com\/zh\/investing\/how-to-build-an-investment-portfolio\/\">\u5982\u4f55\u521b\u5efa\u6295\u8d44\u7ec4\u5408<\/a>\u4e86\u89e3\u76f8\u5173\u6b65\u9aa4\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u603b\u7ed3<\/h2>\n\n\n\n<p>\u76ee\u6807\u65e5\u671f\u57fa\u91d1\u65e8\u5728\u968f\u65f6\u95f4\u63a8\u79fb\u81ea\u52a8\u8fdb\u884c\u8c03\u6574\u7684\u957f\u671f\u6295\u8d44\u8def\u5f84\uff0c\u56e0\u800c\u53ef\u80fd\u83b7\u5f97\u5bfb\u6c42\u6536\u624b\u5f0f\u6295\u8d44\u65b9\u5f0f\u548c\u901a\u8fc7\u7ed3\u6784\u5316\u65b9\u5f0f\u5b9e\u73b0\u4e2a\u4eba\u76ee\u6807\u7684\u6295\u8d44\u8005\u7684\u9752\u7750\u3002<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u4e13\u7528\u4e8e\u957f\u671f\u6295\u8d44\u7684\u4ea7\u54c1\uff0cTDF\u65e8\u5728\u5b9e\u73b0\u7a33\u5b9a\u62a5\u916c\u5e76\u8ddf\u8e2a\u5e02\u573a\u3002\u5c3d\u7ba1TDF\u7684\u7ba1\u7406\u8d39\u53ef\u80fd\u7a0d\u9ad8\u4e8e\u5176\u5b83\u8868\u73b0\u7c7b\u4f3c\u7684\u57fa\u91d1\uff0c\u4f46\u8fd9\u4e00\u52a3\u52bf\u9700\u4e0e\u5176\u5b83\u53ef\u80fd\u6709\u7684\u79ef\u6781\u529f\u6548\u8fdb\u884c\u7efc\u5408\u8861\u91cf\u3002<\/p>\n\n\n\n<p>\u5728<a href=\"https:\/\/www.etoro.com\/zh\/academy\/\">eToro\u5b66\u9662<\/a>\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u57fa\u91d1\u6295\u8d44\u7684\u4fe1\u606f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u95ee\u9898<\/h2>\n\n\n\n<dl class=\"wp-block-etoro-faq\">\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">\u718a\u5e02\u6301\u7eed\u591a\u4e45\uff1f<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p><a href=\"https:\/\/www.etoro.com\/zh\/investing\/bull-vs-bear-markets\/\">\u718a\u5e02<\/a>\u7684\u5e73\u5747\u6301\u7eed\u65f6\u95f4\u4e3a<strong>9\u81f315\u4e2a\u6708<\/strong>\u3002\u6839\u636e\u5b9a\u4e49\uff0c\u5f53\u5e02\u573a\u4ef7\u683c\u8f83\u524d\u671f\u9ad8\u70b9\u4e0b\u8dcc20%\u4ee5\u4e0a\u5373\u8fdb\u5165\u718a\u5e02\u9636\u6bb5\u3002\u5c3d\u7ba1\u718a\u5e02\u53ef\u80fd\u5bf9\u6295\u8d44\u8005\u4e0d\u9002\uff0c\u4f46\u5bf9\u4e8e\u957f\u671f\u6295\u8d44\u7b56\u7565\u8005\u80fd\u66f4\u4ece\u5bb9\u9762\u5bf9\u5e02\u573a\u7684\u5fc5\u7136\u6ce2\u52a8\u3002\u5f53\u60a8\u7684\u6295\u8d44\u8ba1\u5212\u4e34\u8fd1\u5230\u671f\u65f6\uff0c\u8f6c\u5411\u4f4e\u6ce2\u52a8\u6027\u8d44\u4ea7\u53ef\u4e0e\u5e2e\u52a9\u60a8\u5728\u9762\u5bf9\u77ed\u671f\u6ce2\u52a8\u65f6\u4ecd\u7136\u5b9e\u73b0\u6295\u8d44\u76ee\u6807\u3002<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">\u4ec0\u4e48\u662f\u590d\u5229\u6548\u5e94\uff1f<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>\u590d\u5229\u662f\u5f53\u6295\u8d44\u8005\u5c06\u4ef7\u503c\u4e2d\u671f\u6536\u76ca\u518d\u6295\u5165\u5176\u6295\u8d44\u7ec4\u5408\u65f6\u4ea7\u751f\u7684\u201c\u6eda\u96ea\u7403\u201d\u6548\u5e94\u3002\u5f53\u80a1\u7968<a href=\"https:\/\/www.etoro.com\/zh\/investing\/what-are-dividends\/\">\u5206\u7ea2<\/a>\u6216\u503a\u5238\u6d3e\u606f\u65f6\uff0c\u60a8\u9009\u62e9\u7528\u6240\u5f97\u73b0\u91d1\u8d2d\u4e70\u66f4\u591a\u80a1\u7968\u6216\u503a\u5238\uff0c\u800c\u4e0d\u662f\u63d0\u53d6\u51fa\u73b0\u91d1\uff0c\u90a3\u4e48\u60a8\u7684\u6536\u76ca\u8d44\u4ea7\u6c38\u8fdc\u7684\u89c4\u6a21\u5c31\u4f1a\u6269\u5927\u3002\u8fd9\u53cd\u8fc7\u6765\u4f1a\u4ea7\u751f\u66f4\u591a\u5206\u7ea2\u548c\u6d3e\u606f\uff0c\u5982\u6b64\u5f80\u590d\u3002 <\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">\u4ec0\u4e48\u662f\u6295\u8d44\u7ec4\u5408\u518d\u5e73\u8861\uff1f<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p><a href=\"https:\/\/www.etoro.com\/academy\/courses\/building-your-portfolio\/\">\u6295\u8d44\u7ec4\u5408<\/a><strong>\u518d\u5e73\u8861<\/strong>\u662f\u6307\u901a\u8fc7\u4e70\u5356\u8d44\u4ea7\uff0c\u786e\u4fdd\u60a8\u7684\u6295\u8d44\u7ec4\u5408\u7ed3\u6784\u6700\u7b26\u5408\u60a8\u7684\u957f\u671f\u76ee\u6807\u3002\u5982\u679c\u60a8\u5e0c\u671b\u6295\u8d44\u7ec4\u5408\u4e2d\u503a\u5238\u548c\u80a1\u7968\u5404\u536050%\uff0c\u4f46\u7531\u4e8e\u80a1\u7968\u5728\u4e00\u6bb5\u65f6\u95f4\u5185\u8868\u73b0\u76f8\u5bf9\u51fa\u8272\uff0c\u53ef\u80fd\u4f1a\u5bfc\u81f4\u60a8\u7684\u6295\u8d44\u7ec4\u5408\u4ef7\u503c\u504f\u5411\u80a1\u7968\u5360\u6bd4\u8f8360%\u3001\u503a\u5238\u5360\u6bd440%\u3002\u901a\u8fc7\u51fa\u552e\u80a1\u7968\u5e76\u4e70\u5165\u503a\u5238\uff0c\u53ef\u5c06\u8d44\u4ea7\u76ee\u6807\u914d\u7f6e\u91cd\u65b0\u8bbe\u4e3a50-50\u3002<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">TDF\u7684\u66ff\u4ee3\u9009\u62e9\u6709\u54ea\u4e9b\uff1f<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>TDF\u7684\u504f\u597d\u6027\u3001\u6f5c\u5728\u79ef\u6781\u529f\u6548\u548c\u671f\u9650\u7ed3\u6784\uff0c\u4f7f\u5176\u9887\u53d7\u6b22\u8fce\u3002\u4f46\u4ecd\u6709\u5176\u5b83\u53ef\u4f9b\u9009\u62e9\u7684\u6295\u8d44\u5de5\u5177\uff0c\u6bd4\u5982\u884c\u4e1a\u5f00\u653e\u5f0f\u6307\u6570\u57fa\u91d1\uff08<a href=\"https:\/\/www.etoro.com\/zh\/investing\/what-is-etf\/\">ETFs<\/a>\uff09\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e9b\u76f8\u5bf9\u4f4e\u6210\u672c\u7684\u5de5\u5177\u5305\u62ec\u8ffd\u8e2a\u57fa\u91d1\uff0c\u5b83\u4eec\u65e8\u5728\u590d\u5236\u7279\u5b9a\u884c\u4e1a\u6216\u6307\u6570\uff08\u5982\u6807\u51c6\u666e\u5c14500\u6307\u6570\u6216\u503a\u5238\u5e02\u573a\uff09\u7684\u8868\u73b0\u3002\u5982\u679c\u60a8\u719f\u6089TDF\u7684\u539f\u5219\u81ea\u884c\u52a8\u624b\u7ba1\u7406\u6295\u8d44\u7ec4\u5408\uff0c\u53ef\u80fd\u4f1a\u8282\u7701\u6210\u672c\uff0c\u4f46\u60a8\u9700\u8981\u81ea\u884c\u52a8\u624b\u968f\u7740\u65f6\u95f4\u8c03\u6574\u7ec4\u5408\u7684\u8d44\u4ea7\u6bd4\u91cd\u3002<\/p>\n<\/dd><\/div>\n<\/dl>\n\n\n\n\t\t<style>\n\t\t\t.rtl .etoro-block-shortcode-disclaimer {\n\t\t\t\ttext-align:right;\n\t\t\t}\n\t\t\t.etoro-block-shortcode-disclaimer {\n\t\t\t\tmargin-bottom:18px;\n\t\t\t\ttext-align:left;\n\t\t\t}\n\t\t\t.etoro-block-shortcode-disclaimer p{\n\t\t\t\tfont-size: 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