{"id":12535,"date":"2021-10-01T10:37:00","date_gmt":"2021-10-01T02:37:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1858"},"modified":"2026-10-28T16:22:34","modified_gmt":"2026-10-28T08:22:34","slug":"25%e6%ad%b2%e9%96%8b%e5%a7%8b%e6%af%8f%e6%9c%88%e5%ae%9a%e6%9c%9f%e5%ae%9a%e9%a1%8d8000%e5%a1%8a%ef%bc%8c60%e6%ad%b2%e8%b3%87%e7%94%a2%e7%a0%b4%e5%8d%83%e8%90%ac%ef%bc%8c%e9%80%80%e4%bc%91%e5%be%8c","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=12535","title":{"rendered":"25\u6b72\u958b\u59cb\u6bcf\u6708\u5b9a\u671f\u5b9a\u984d8,000\u584a\uff0c60\u6b72\u8cc7\u7522\u7834\u5343\u842c\uff0c\u9000\u4f11\u5f8c\u6bcf\u6708\u53ef\u63d0\u98184.5\u842c\u88ab\u52d5\u6536\u5165\u3002"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u525b\u51fa\u793e\u6703\u3001\u6708\u85aa\u4e0d\u9ad8\uff0c\u9000\u4f11\u597d\u50cf\u662f\u5f88\u9059\u9060\u7684\u4e8b\u3002\u9019\u7bc7\u662f\u4e00\u4f4d 25 \u6b72\u4e0a\u73ed\u65cf\u5ba2\u6236\u7684\u898f\u5283\uff1a\u6bcf\u6708\u53ea\u6295\u5165 8,000 \u5143\uff0c\u9760 35 \u5e74\u7684\u6642\u9593\uff0c\u8a66\u7b97 60 \u6b72\u6642\u53ef\u4ee5\u7d2f\u7a4d\u7d04 1,500 \u842c\u5143\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6295\u8cc7\u4eba\u72c0\u6cc1<\/h2>\n\n<p class=\"wp-block-paragraph\">25 \u6b72\uff0c\u525b\u51fa\u793e\u6703\u7684\u7537\u6027\u4e0a\u73ed\u65cf\uff0c\u5728\u79d1\u6280\u696d\u5de5\u4f5c\u3002\u5de5\u4f5c\u6642\u4e0d\u80fd\u5e38\u770b\u624b\u6a5f\uff0c\u6240\u4ee5\u5e0c\u671b\u6295\u8cc7\u65b9\u5f0f\u4e0d\u7528\u5e38\u770b\u76e4\u3001\u63d0\u5fc3\u540a\u81bd\uff1b\u4e0b\u73ed\u5f8c\u4e5f\u6c92\u6709\u9918\u529b\u7814\u7a76\u7522\u696d\u5831\u544a\u548c\u80a1\u7968\u5e02\u5834\u3002\u4ed6\u4e0a\u7db2\u770b\u904e\u4e00\u4e9b\u7814\u7a76\uff0c\u77e5\u9053\u5c08\u696d\u7d93\u7406\u4eba\u7684\u9577\u671f\u5831\u916c\u4e0d\u4e00\u5b9a\u6bd4\u5927\u76e4\u6307\u6578\u597d\uff0c\u56e0\u6b64\u5e0c\u671b\u7528\u5206\u6563\u98a8\u96aa\u3001\u9069\u5408\u9577\u671f\u6301\u6709\u7684\u65b9\u5f0f\uff0c\u5e6b\u81ea\u5df1\u7d2f\u7a4d\u9000\u4f11\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9760\u8457\u5927\u5b78\u6642\u5b58\u4e0b\u7684\u751f\u6d3b\u8cbb\uff0c\u52a0\u4e0a\u7238\u5abd\u5f9e\u5c0f\u5e6b\u4ed6\u5b58\u7684\u7d05\u5305\u9322\uff0c\u4ed6\u5728\u5de5\u4f5c\u7b2c\u4e00\u5e74\u5c31\u6e96\u5099\u597d\u8db3\u5920\u4e00\u5e74\u82b1\u7528\u7684\u7dca\u6025\u9810\u5099\u91d1\u3002\u4ed6\u5e0c\u671b 60 \u6b72\u9806\u5229\u9000\u4f11\uff0c\u76ee\u524d\u6bcf\u500b\u6708\u53ef\u4ee5\u5b58\u7d04 8,000 \u5143\uff0c\u5e0c\u671b\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u6709 4.5 \u842c\u5143\u7684\u88ab\u52d5\u6536\u5165\u652f\u61c9\u751f\u6d3b\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u904e\u53bb\u7684\u6295\u8cc7\u7d93\u9a57<\/h2>\n\n<p class=\"wp-block-paragraph\">\u904e\u53bb\u4e3b\u8981\u662f\u7238\u5abd\u5e6b\u4ed6\u6253\u7406\u3002\u7238\u5abd\u6709\u5927\u7d04 15 \u5230 20 \u5e74\u7684\u53f0\u80a1\u7d93\u9a57\uff0c\u4ee5\u6295\u8cc7\u500b\u80a1\u70ba\u4e3b\uff0c\u9577\u671f\u4e0b\u4f86\u96d6\u7136\u6709\u8cfa\u9322\uff0c\u537b\u9060\u9060\u843d\u5f8c\u5e02\u5834\u5831\u916c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7238\u5abd\u4e5f\u77e5\u9053\u8981\u9577\u671f\u6301\u6709\uff0c\u4f46\u6bcf\u7576\u5e02\u5834\u6ce2\u52d5\uff0c\u5e38\u5e38\u6703\u628a\u8cfa\u9322\u7684\u80a1\u7968\u8ce3\u6389\u7372\u5229\u4e86\u7d50\uff0c\u8ce0\u9322\u7684\u80a1\u7968\u53cd\u800c\u7e7c\u7e8c\u62b1\u8457\u3002\u9577\u671f\u4e0b\u4f86\uff0c\u82b1\u4e86\u5f88\u591a\u6642\u9593\uff0c\u537b\u6c92\u6709\u5f97\u5230\u8d85\u8d8a\u5927\u76e4\u7684\u5831\u916c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ed6\u5927\u5b78\u6642\u7238\u5abd\u5e6b\u4ed6\u8cb7\u7684\u4e09\u6a94\u80a1\u7968\uff0c\u5230\u73fe\u5728\u90fd\u9084\u662f\u8ca0\u5831\u916c\uff0c\u6240\u4ee5\u4ed6\u8a8d\u70ba\u6311\u500b\u80a1\u4e26\u4e0d\u5bb9\u6613\uff0c\u8981\u505a\u5230\u9577\u671f\u6301\u6709\u66f4\u56f0\u96e3\uff0c\u56e0\u6b64\u5e0c\u671b\u7528 ETF \u505a\u8cc7\u7522\u914d\u7f6e\u3001\u8ffd\u8e64\u6574\u9ad4\u5e02\u5834\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-mid alpha-cta-retire has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left-color:#006ece;border-left-width:4px;background-color:#f3f7fb;padding:16px 20px\">\n<p class=\"wp-block-paragraph\"><strong>\u770b\u5b8c\u898f\u5b9a\uff0c\u9084\u662f\u4e0d\u78ba\u5b9a\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u5920\u4e0d\u5920\u7528\uff1f<\/strong><\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-7b4500cd wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;border:2px solid #00b900;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u52a0 LINE\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u9078\u64c7\u963f\u723e\u767c<\/h2>\n\n<ol class=\"wp-block-list\">\n<li>\u60f3\u77e5\u9053\u81ea\u5df1\u7684\u898f\u5283\u53ef\u4e0d\u53ef\u884c\uff1a\u4e0d\u7ba1\u662f\u81ea\u5df1\u6295\u8cc7\uff0c\u9084\u662f\u5230\u9280\u884c\u5c0b\u6c42\u5354\u52a9\uff0c\u90fd\u5f88\u96e3\u660e\u78ba\u77e5\u9053\u6bcf\u500b\u6708\u8a72\u6295\u8cc7\u591a\u5c11\u624d\u80fd\u9054\u6210\u76ee\u6a19\u3001\u8981\u6295\u8cc7\u591a\u4e45\u3001\u9000\u4f11\u5f8c\u9069\u5408\u9818\u591a\u5c11\u3002<\/li>\n<li>\u8a8d\u540c ETF \u8207\u8cc7\u7522\u914d\u7f6e\u7684\u89c0\u5ff5\uff1a\u904e\u53bb\u4e00\u5e74\u9678\u7e8c\u770b\u4e86\u8a31\u591a\u90e8\u843d\u683c\u548c\u66f8\u7c4d\uff0c\u8a8d\u8b58\u4e86 ETF\uff0c\u975e\u5e38\u8a8d\u540c\u88ab\u52d5\u6295\u8cc7\u3001\u9577\u671f\u6295\u8cc7\u7684\u89c0\u5ff5\uff0c\u5e0c\u671b\u81ea\u5df1\u4e5f\u80fd\u7d00\u5f8b\u57f7\u884c\u3002<\/li>\n<li>\u6c92\u6709\u6642\u9593\u7ba1\u7406\u6295\u8cc7\u7d44\u5408\uff1a\u5e73\u6642\u5de5\u4f5c\u5fd9\uff0c\u4e0b\u73ed\u60f3\u597d\u597d\u4f11\u606f\u3002\u81ea\u5df1\u7528 Excel \u7ba1\u7406\u6295\u8cc7\u7d44\u5408\u96d6\u7136\u53ef\u884c\uff0c\u4f46\u4e0d\u78ba\u5b9a\u80fd\u4e0d\u80fd\u9577\u671f\u5805\u6301\uff1b\u4ed6\u559c\u6b61\u5b78\u6295\u8cc7\u77e5\u8b58\uff0c\u4f46\u4e0d\u60f3\u628a\u5927\u91cf\u7cbe\u529b\u82b1\u5728\u76e3\u63a7\u548c\u518d\u5e73\u8861\u4e0a\u3002<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">\u6295\u8cc7\u898f\u5283\u8207\u8a66\u7b97\u7d50\u679c<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u8a2d\u5b9a<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u76ee\u524d\u5e74\u9f61<\/td>\n<td>25 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>\u9000\u4f11\u5e74\u9f61<\/td>\n<td>60 \u6b72\uff08\u6295\u5165 35 \u5e74\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u6bcf\u6708\u5b9a\u671f\u5b9a\u984d<\/td>\n<td>8,000 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u9000\u4f11\u5f8c\u6bcf\u6708\u63d0\u9818<\/td>\n<td>45,000 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u80a1\u50b5\u6bd4\u4f8b<\/td>\n<td>85\uff0f15<\/td>\n<\/tr>\n<tr>\n<td>\u6210\u529f\u6a5f\u7387<\/td>\n<td>89%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/10\/%E6%A1%88%E4%BE%8B1-2.png\" alt=\"25 \u6b72\u4e0a\u73ed\u65cf\u9000\u4f11\u8a08\u756b\u7684\u8a66\u7b97\u7d50\u679c\"\/><figcaption class=\"wp-element-caption\">\u756b\u9762\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\">60 \u6b72\u6642\u7684\u9000\u4f11\u91d1\u7d2f\u7a4d<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5230 60 \u6b72\u7d2f\u8a08\u6295\u5165\u672c\u91d1 336 \u842c\u5143\uff0c\u8a66\u7b97\u8cc7\u7522\u7d04 1,500 \u842c\u5143\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/10\/%E6%A1%88%E4%BE%8B2.png\" alt=\"60 \u6b72\u6642\u9000\u4f11\u91d1\u7d2f\u7a4d\uff1a\u6295\u5165 336 \u842c\u5143\uff0c\u8cc7\u7522\u7d04 1,500 \u842c\u5143\"\/><figcaption class=\"wp-element-caption\">\u756b\u9762\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\">\u9000\u4f11\u5f8c\u7684\u88ab\u52d5\u6536\u5165<\/h3>\n\n<p class=\"wp-block-paragraph\">60 \u6b72\u4e4b\u5f8c\u4e0d\u518d\u6295\u5165\uff0c\u6bcf\u6708\u63d0\u9818 4.5 \u842c\u5143\uff0c\u5230 90 \u6b72\u7d2f\u8a08\u9818\u56de 1,620 \u842c\u5143\uff0c\u8a66\u7b97\u5e33\u4e0a\u4ecd\u5269\u7d04 5,000 \u842c\u5143\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/10\/%E6%A1%88%E4%BE%8B3.png\" alt=\"\u9000\u4f11\u5f8c\u6bcf\u6708\u63d0\u9818 4.5 \u842c\u5143\uff0c\u5230 90 \u6b72\u7d2f\u8a08\u9818\u56de 1,620 \u842c\u5143\"\/><figcaption class=\"wp-element-caption\">\u756b\u9762\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u60f3\u77e5\u9053\u81ea\u5df1\u7684\u6578\u5b57\uff0c\u4e0d\u59a8\u5148\u7528\u3008<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a>\u3009\u7b97\u7b97\u52de\u4fdd\u3001\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff0c\u518d\u56de\u63a8\u6bcf\u500b\u6708\u8a72\u5b58\u591a\u5c11\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">ETF \u914d\u7f6e<\/h3>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/10\/%E6%A1%88%E4%BE%8B4.png\" alt=\"85\uff0f15 \u80a1\u50b5\u6bd4\u4f8b\u7684 ETF \u914d\u7f6e\"\/><figcaption class=\"wp-element-caption\">\u756b\u9762\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2<\/figcaption><\/figure>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/10\/%E6%A1%88%E4%BE%8B5.png\" alt=\"ETF \u914d\u7f6e\u660e\u7d30\"\/><figcaption class=\"wp-element-caption\">\u756b\u9762\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2<\/figcaption><\/figure>\n\n<h2 class=\"wp-block-heading\">\u5df4\u83f2\u7279\u7684\u96ea\u7403\u7406\u8ad6\uff1a\u6162\u6162\u81f4\u5bcc\uff0c\u4fdd\u6301\u8010\u5fc3<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u300c\u4eba\u751f\u5c31\u50cf\u6efe\u96ea\u7403\uff0c\u91cd\u8981\u7684\u662f\u627e\u5230\u5f88\u6fd5\u7684\u96ea\u548c\u5f88\u9577\u7684\u5761\u9053\u3002\u300d<\/p>\n<p>\uff08\u5df4\u83f2\u7279\uff09<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u9019\u4f4d\u6295\u8cc7\u4eba\u5f88\u5e74\u8f15\u5c31\u78ba\u7acb\u4e86\u6295\u5165\u65b9\u5f0f\u548c\u660e\u78ba\u7684\u8ca1\u52d9\u76ee\u6a19\uff0c\u9078\u64c7\u7528 ETF \u8ffd\u8e64\u5168\u7403\u5e02\u5834\uff0c\u52a0\u4e0a\u6295\u5165\u6642\u9593\u9577\u9054 35 \u5e74\u3002\u96d6\u7136\u6bcf\u500b\u6708\u53ea\u6709 8,000 \u5143\u3001\u7e3d\u6295\u5165 336 \u842c\u5143\uff0c\u900f\u904e\u6642\u9593\u8907\u5229\uff0c\u8a66\u7b97 60 \u6b72\u6642\u53ef\u4ee5\u7d2f\u7a4d\u7d04 1,500 \u842c\u5143\uff1b60 \u6b72\u4e4b\u5f8c\u4e0d\u518d\u6295\u5165\u3001\u6bcf\u6708\u63d0\u9818 4.5 \u842c\u5143\uff0c\u5230 90 \u6b72\u5e33\u4e0a\u4ecd\u6709\u6a5f\u6703\u4fdd\u6709\u53ef\u89c0\u7684\u8cc7\u7522\uff0c\u9054\u6210\u9000\u4f11\u76ee\u6a19\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5df4\u83f2\u7279\u7684\u96ea\u7403\u7406\u8ad6\u544a\u8a34\u6211\u5011\uff0c\u60f3\u8981\u505a\u597d\u6295\u8cc7\uff0c\u53ea\u8981\u505a\u597d\u4e09\u4ef6\u4e8b\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u5145\u8db3\u7684\u96ea\u91cf\uff1a\u6307\u80fd\u6295\u5165\u7684\u8cc7\u91d1\u3002\u6e96\u5099\u597d\u7dca\u6025\u9810\u5099\u91d1\u4e4b\u5f8c\uff0c\u8a2d\u5b9a\u6bcf\u500b\u6708\u56fa\u5b9a\u5132\u84c4\u7684\u91d1\u984d\uff0c\u7528\u9592\u9322\u6295\u8cc7\u3002\u4e00\u958b\u59cb\u91d1\u984d\u53ef\u80fd\u4e0d\u5927\uff0c\u4f46\u96a8\u8457\u5e74\u8cc7\u589e\u52a0\u3001\u52a0\u85aa\u8207\u734e\u91d1\u3001\u9069\u7576\u63a7\u5236\u958b\u92b7\uff0c\u80fd\u6295\u8cc7\u7684\u91d1\u984d\u90fd\u6709\u6a5f\u6703\u589e\u52a0\u3002<\/li>\n<li>\u9069\u7576\u6fd5\u6f64\u7684\u96ea\uff1a\u6307\u5408\u7406\u7684\u5831\u916c\u76ee\u6a19\u3002\u7528 ETF \u8ffd\u8e64\u6574\u9ad4\u5e02\u5834\uff0c\u4ee5\u6b77\u53f2\u4f86\u770b\uff0c\u5168\u7403\u80a1\u5e02\u9577\u671f\u5e74\u5316\u5831\u916c\u5927\u7d04\u843d\u5728 6% \u5230 10%\uff1b\u8ffd\u6c42\u904e\u9ad8\u7684\u5831\u916c\uff0c\u5c31\u8981\u627f\u64d4\u66f4\u591a\u96c6\u4e2d\u8207\u6295\u6a5f\u7684\u98a8\u96aa\uff0c\u5c31\u50cf\u592a\u6fd5\u7684\u96ea\uff0c\u96ea\u7403\u53cd\u800c\u5bb9\u6613\u878d\u5316\uff0c\u592a\u4e7e\u7684\u96ea\u53c8\u9ecf\u4e0d\u4f4f\uff0c\u6fd5\u5ea6\u525b\u525b\u597d\u6700\u91cd\u8981\u3002<\/li>\n<li>\u8db3\u5920\u9577\u7684\u5761\u9053\uff1a\u6307\u9577\u671f\u6295\u8cc7\u7684\u6642\u9593\u3002\u6642\u9593\u662f\u6295\u8cc7\u4eba\u6700\u597d\u7684\u670b\u53cb\uff0c\u5927\u591a\u6578\u4eba\u90fd\u4f4e\u4f30\u4e86\u6642\u9593\u8907\u5229\u7684\u529b\u91cf\u3002\u5df4\u83f2\u7279 14 \u6b72\u5c31\u958b\u59cb\u6295\u8cc7\uff0c\u5e38\u88ab\u5f15\u7528\u7684\u7d71\u8a08\u662f\u4ed6 99% \u7684\u8cc7\u7522\u662f\u5728 50 \u6b72\u4e4b\u5f8c\u624d\u7d2f\u7a4d\u7684\uff0c\u4ed6\u9760\u7684\u4e0d\u662f\u4e00\u591c\u81f4\u5bcc\uff0c\u800c\u662f\u5f88\u9577\u7684\u5761\u9053\u3002<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u6bcf\u500b\u6708\u56fa\u5b9a\u6295\u5165\u8981\u600e\u9ebc\u958b\u59cb\u3001\u624b\u7e8c\u8cbb\u591a\u5c11\uff0c\u5728\u3008<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4878\">\u5b9a\u671f\u5b9a\u984d\u600e\u9ebc\u8cb7\uff1f\u53f0\u80a1\u7f8e\u80a1\u5b9a\u671f\u5b9a\u984d\u8a66\u7b97\u8207\u624b\u7e8c\u8cbb<\/a>\u3009\u6709\u6574\u7406\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/10\/%E6%A1%88%E4%BE%8B6.png\" alt=\"\u5df4\u83f2\u7279\u7684\u8cc7\u7522\u96a8\u5e74\u9f61\u589e\u52a0\u7684\u8b8a\u5316\"\/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aKohmaria\uff082019\uff09<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">\u4e9e\u99ac\u905c\u5275\u8fa6\u4eba\u8c9d\u4f50\u65af\u66fe\u554f\u5df4\u83f2\u7279\uff1a\u300c\u4f60\u7684\u6295\u8cc7\u7406\u5ff5\u9019\u9ebc\u7c21\u55ae\uff0c\u4f60\u53c8\u662f\u4e16\u754c\u4e0a\u6578\u4e00\u6578\u4e8c\u6709\u9322\u7684\u4eba\uff0c\u70ba\u4ec0\u9ebc\u5927\u5bb6\u4e0d\u76f4\u63a5\u8907\u88fd\u4f60\u7684\u505a\u6cd5\uff1f\u300d<\/p>\n\n<p class=\"wp-block-paragraph\">\u5df4\u83f2\u7279\u56de\u7b54\uff1a\u300c\u56e0\u70ba\u6c92\u6709\u4eba\u9858\u610f\u6162\u6162\u81f4\u5bcc\u3002\u300d<\/p>\n\n<p class=\"wp-block-paragraph\">\u81f4\u5bcc\u4e26\u4e0d\u96e3\uff0c\u4f46\u6162\u6162\u81f4\u5bcc\u5c0d\u5927\u591a\u6578\u4eba\u4f86\u8aaa\u4e26\u4e0d\u5bb9\u6613\u3002\u4fdd\u6301\u8010\u5fc3\uff0c\u5761\u9053\u5920\u9577\uff0c\u624d\u6709\u6a5f\u6703\u6efe\u51fa\u5de8\u5927\u7684\u96ea\u7403\u3002<\/p>\n\n<p 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