---
title: "五年未參與市場意味着錯過了近 80% 的收益增長"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/286956167.md"
description: "標普 500 指數自 2021 年以來的年化回報率為 12.44%，將 10,000 美元變成了近 17,972 美元，突顯了市場時機選擇的風險。美國國税局已提高 2026 年 401(k) 和 IRA 的限額，增強了税收優惠的貢獻。此外，利用逐步增加的定期投資和持續的貢獻可以顯著提升長期回報，強調了紀律性在基金選擇中的重要性"
datetime: "2026-05-19T19:09:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286956167.md)
  - [en](https://longbridge.com/en/news/286956167.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286956167.md)
---

# 五年未參與市場意味着錯過了近 80% 的收益增長

Missed market rally: S&P 500's 12.44% annualized return since 2021 turned $10,000 into nearly $17,972, showing the high cost of market timing. Higher saving limits: IRS lifted 2026 401(k) and IRA limits, allowing more tax-advantaged contributions and greater long-term compounding potential. Power of structure: Step-up SIPs and consistent contributions can nearly double long-term returns, making discipline more important than fund selection.

### 相關股票

- [.SPX.US](https://longbridge.com/zh-HK/quote/.SPX.US.md)
- [IVV.US](https://longbridge.com/zh-HK/quote/IVV.US.md)
- [VTV.US](https://longbridge.com/zh-HK/quote/VTV.US.md)
- [SPY.US](https://longbridge.com/zh-HK/quote/SPY.US.md)
- [VOO.US](https://longbridge.com/zh-HK/quote/VOO.US.md)

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