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1、 ? ? ? ? ? ? ? ? ? ? ? ? ?1. ? . ? 2. ? . 5 ?1.? ? 1. ? ? 96%? ? ? 6.2%? 12.4%? ? ? ?OASDI? ?/? ? OASDI? ? 2. ?Employer Sponsored Retirement Plan? ? ? ? ? ? ? ? ?Federal Retirement Thrift-Thrift Savings Plan?California Public Employees Retirement System?CaPLERs? ?Private Pension Plans? ? ? ? 401(k)?
2、403(b)? ? 100 ? 10 ? ? 10 ? ? 60%? ?Defined Benefit Plan?Defined Contribution Plan? ? DB ? DC ? ?Defined Benefit Plan? DB ?(?)? DB ?DB ? DB ? ? ?the Pension Benefit Guaranty Corporation?PBGC? ?4400 ? PBGC ? ? ? ?Defined Contribution Plan? ? ?25%-100%? DC ? DC ? DC ? 3. ?Individual Retirement Account
3、s?IRA? ? 50? ? 70 ? 401?K? 2.? ? ? 58.6%? ? 13.3%? FoF? 8.68%? 7.22%? ? 1 (?) ? 184 ? 44 ? FoF ? 2 (?) 58.60% 13.30% 8.68% 7.22% 5.92% 3.71% 2.56% ? FOF ? ? ? ? ? ? ? ? ? FoF ? ? ? ? ? ? ? 184 46 44 33 28 15 10 6 5 0 20 40 60 80 100 120 140 160 180 200 ? ? ? TIPS ETF ? TIPS? REITs REITs ?(? Real Estate Investment Trusts)? REITs ? REITs ?REITs ? 90%?REITs ?
