{"id":1261,"date":"2019-09-23T15:17:00","date_gmt":"2019-09-23T07:17:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1261"},"modified":"2026-06-03T16:02:19","modified_gmt":"2026-06-03T08:02:19","slug":"%e6%8e%a8%e8%96%a6%e7%9a%84%e6%9a%91%e6%9c%9f%e9%96%b1%e8%ae%80%e6%9b%b8%e7%b1%8d","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1261","title":{"rendered":"\u63a8\u85a6\u7684\u6691\u671f\u95b1\u8b80\u66f8\u7c4d"},"content":{"rendered":"\n<p class=\"has-text-align-center\">\u201c\u5728\u6211\u7684\u4e00\u751f\u7576\u4e2d\uff0c<strong>\u6211\u78b0\u5230\u7684\u6bcf\u4e00\u500b\u6709\u667a\u6167\u7684\u4eba\u90fd\u6709\u5927\u91cf\u95b1\u8b80\u7684\u7fd2\u6163\uff0c\u662f\u7684\uff0c\u6bcf\u4e00\u500b\u90fd\u662f\u5982\u6b64<\/strong>\u201c<\/p>\n\n\n\n<p class=\"has-text-align-right\">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;\u2014\u67e5\u91cc\u66fc\u683c(Charlie Munger)<\/p>\n\n\n\n<p>\u96d6\u7136\u6211\u5011\u591a\u6578\u4eba\u90fd\u6c92\u6709\u6691\u5047\uff0c\u4f46\u662f\u708e\u71b1\u7684\u590f\u5929\u5728\u5bb6\u7684\u6642\u9593\u53ef\u80fd\u4e5f\u6bd4\u8f03\u9577\u4e00\u4e9b\uff0c\u9019\u6642\u5019\u8b80\u5e7e\u672c\u597d\u66f8\u4e5f\u662f\u5f88\u597d\u7684\u5594\uff0c\u5728\u6b64\u63a8\u85a6\u5e7e\u672c\u597d\u66f8:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"649\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-2.jpg\" alt=\"\" class=\"wp-image-1263\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-2.jpg 450w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-2-208x300.jpg 208w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/figure>\n\n\n\n<p>1. \u5805\u6301\u4e0d\u61c8(Stay the Course):<\/p>\n\n\n\n<p>\u672c\u66f8\u7684\u4f5c\u8005\u662fVanguard\u516c\u53f8\u7684\u5275\u8fa6\u4eba\u7d04\u7ff0\u4f2f\u683c\u5148\u751f\uff0cVanguard\u516c\u53f8\u57281974\u767c\u884c\u4e86\u53f2\u4e0a\u7b2c\u4e00\u6a94\u7684\u6307\u6578\u578b\u57fa\u91d1(index fund)\uff0c\u53ef\u4ee5\u8aaa\u662f\u88ab\u52d5\u662f\u6295\u8cc7\u6700\u65e9\u7684\u63d0\u5021\u8005\uff0c\u4f46\u662f\u5f88\u9577\u7684\u6642\u9593\u4ed6\u7684\u4e3b\u5f35\u90fd\u6c92\u6709\u5f97\u5230\u5927\u773e\u7684\u95dc\u6ce8\uff0c\u76f4\u5230\u6700\u8fd110\u5e74\uff0c\u88ab\u52d5\u5f0f\u6295\u8cc7\u624d\u6f38\u6f38\u6210\u70ba\u4e3b\u6d41\uff0c\u8a72\u516c\u53f8\u662f\u904e\u53bb\u9023\u7e8c10\u5e74\u8cc7\u91d1\u6de8\u6d41\u5165\u6700\u591a\u7684\u57fa\u91d1\u516c\u53f8\uff0cVanguard\u516c\u53f8\u4e5f\u56e0\u6b64\u6210\u70ba\u5168\u7403\u7b2c\u4e8c\u5927\u7684\u57fa\u91d1\u516c\u53f8\uff0c\u5df4\u83f2\u7279\u66fe\u8aaa\u4f2f\u683c\u5148\u751f\u662f\u500b\u5049\u5927\u503c\u5f97\u5c0a\u656c\u7684\u4eba\u7269\uff0c\u56e0\u70ba\u4ed6\u5e6b\u52a9\u4e86\u6295\u8cc7\u4eba\u7701\u4e0b\u9f90\u5927\u7684\u8cbb\u7528\uff0c\u4f2f\u683c\u5148\u751f\u5728\u751f\u524d\u6700\u5e38\u7d66\u6295\u8cc7\u4eba\u7684\u5efa\u8b70\u5c31\u662f:\u5805\u6301\u4fdd\u6301\u5728\u5e02\u5834\u4e0a(Stay the Course)\u3002\u7c21\u55ae\u7684\u4e00\u53e5\u8a71\u9053\u51fa\u4e86\u6295\u8cc7\u7372\u5229\u7684\u6838\u5fc3\u7cbe\u96a8\uff0c\u4ed6\u7684\u66f8\u7c4d\u7d55\u5c0d\u503c\u5f97\u4f60\u7684\u6642\u9593\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"485\" height=\"498\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-3.jpg\" alt=\"\" class=\"wp-image-1264\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-3.jpg 485w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-3-292x300.jpg 292w\" sizes=\"auto, (max-width: 485px) 100vw, 485px\" \/><\/figure>\n\n\n\n<p>2.&nbsp; \u9ad8\u52dd\u7b97\u6c7a\u7b56(Thinking in Bets):<\/p>\n\n\n\n<p>\u9019\u672c\u66f8\u7684\u4f5c\u8005\u975e\u5e38\u7279\u5225\uff0c\u5979\u662f\u4e00\u4f4d\u5973\u6027\u7684\u8077\u696d\u64b2\u514b\u724c\u7684\u73a9\u5bb6\uff0c\u800c\u4e14\u662f\u66fe\u7d93\u7372\u5f97\u51a0\u8ecd\u7684\u73a9\u5bb6\uff0c\u9019\u672c\u8eab\u5c31\u975e\u5e38\u4e0d\u5bb9\u6613\u3002\u90a3\u70ba\u4ec0\u9ebc\u6703\u63a8\u85a6\u9019\u672c\u66f8\u5462?\u9996\u5148\uff0c\u5176\u5be6\u6295\u8cc7\u8ddf\u73a9\u64b2\u514b\u662f\u5f88\u50cf\u7684\u6d3b\u52d5\uff0c\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u5f88\u591a\u83ef\u723e\u8857\u7684\u57fa\u91d1\u7d93\u7406\u4eba(\u4f8b\u5982\u50b5\u5238\u5929\u738b\u845b\u7f85\u65af\u8207\u77e5\u540d\u907f\u96aa\u57fa\u91d1\u7d93\u7406\u4ebaDavid Einhorn\u7b49)\u4e5f\u90fd\u5f88\u71b1\u8877\u65bc\u73a9\u64b2\u514b\uff0c\u56e0\u70ba\u6295\u8cc7\u8207\u64b2\u514b\u90fd\u662f\u201d\u6a5f\u7387\u201d\u7684\u6d3b\u52d5\uff0c\u8d8a\u5584\u65bc\u7528\u201d\u6a5f\u7387\u201d\u4f86\u601d\u8003\u5c31\u8d8a\u53ef\u80fd\u53ef\u4ee5\u6210\u70ba\u8d0f\u5bb6\u3002\u518d\u8005\uff0c\u6295\u8cc7\u8207\u64b2\u514b\u90fd\u662f\u5177\u6709\u201d\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u201d\u7684\u7279\u6027\uff0c\u6240\u4ee5\u5982\u4f55\u5728\u9019\u7a2e\u9ad8\u5ea6\u4e0d\u78ba\u5b9a\u7684\u6d3b\u52d5\u80fd\u5920\u7372\u52dd\uff0c\u8077\u696d\u64b2\u514b\u51a0\u8ecd\u9078\u624b\u80af\u5b9a\u662f\u5f88\u6709\u7d93\u9a57\u7684\uff0c\u56e0\u6b64\uff0c\u4f5c\u8005\u5728\u66f8\u4e2d\u5206\u4eab\u7684\u8a31\u591a\u89c0\u5ff5\u5176\u5be6\u90fd\u662f\u53ef\u4ee5\u904b\u7528\u5230\u6295\u8cc7\u4e0a\u7684\u5594\uff0c\u9019\u662f\u4e00\u672c\u4e0d\u53ef\u932f\u904e\u7684\u597d\u66f8\uff0c<strong>\u95b1\u8b80\u672c\u66f8\u5c07\u6703\u6bd4\u4f60\u95b1\u8b80\u5f88\u591a\u5176\u4ed6\u7684\u8ca1\u7d93\u66f8\u7c4d\u66f4\u6709\u5e6b\u52a9<\/strong>\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"504\" height=\"517\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-4.jpg\" alt=\"\" class=\"wp-image-1265\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-4.jpg 504w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/76-4-292x300.jpg 292w\" sizes=\"auto, (max-width: 504px) 100vw, 504px\" \/><\/figure>\n\n\n\n<p>3.&nbsp;&nbsp;\u975e\u7406\u6027\u6548\u61c9(The Behavioral Investor):<\/p>\n\n\n\n<p>\u9019\u662f\u6700\u8fd1\u624d\u525b\u51fa\u7248\u7684\u65b0\u66f8\uff0c\u4f5c\u8005\u662fDaniel Crosby\u535a\u58eb\uff0c<strong>\u9019\u672c\u66f8\u5beb\u7684\u662f\u8fd1\u5e7e\u5e74\u5728\u570b\u5916\u7684\u91d1\u878d\u696d\u5f88\u71b1\u9580\u7684\u8a71\u984c\u2014\u884c\u70ba\u91d1\u878d\u5b78(Behavioral Finance)\uff0c\u9019\u985e\u7684\u66f8\u7c4d\u4e26\u4e0d\u591a\uff0c\u56e0\u70ba\u5beb\u9019\u65b9\u9762\u7684\u66f8\u7c4d\u9700\u8981\u540c\u6642\u5177\u5099\u5fc3\u7406\u5b78\u8207\u91d1\u878d\u7684\u5c08\u696d\u77e5\u8b58\uff0c\u5e02\u5834\u4e0a\u9019\u6a23\u7684\u4eba\u672c\u8eab\u5c31\u4e0d\u591a\uff0c\u800c\u672c\u66f8\u7684\u4f5c\u8005\u5c31\u662f\u5c11\u6578\u9019\u6a23\u7684\u4eba\uff0c\u5982\u679c\u4f60\u60f3\u5b78\u7fd2\u884c\u70ba\u91d1\u878d\u5b78\u7684\u77e5\u8b58\uff0c\u672c\u66f8\u662f\u4f60\u4e0d\u53ef\u932f\u904e\u7684\u597d\u66f8\uff0c\u9644\u5e36\u4e00\u63d0\uff0c\u6211\u4e5f\u6709\u5e6b\u672c\u66f8\u5beb\u63a8\u85a6\u5e8f\uff0c\u4ee5\u4e0b\u662f\u6211\u5728\u66f8\u4e2d\u6240\u5beb\u7684\u63a8\u85a6\u5e8f\uff0c\u4e5f\u5206\u4eab\u7d66\u5927\u5bb6!<\/strong><\/p>\n\n\n\n<p>\u63a8\u85a6\u5e8f\u2013<\/p>\n\n\n\n<p class=\"has-text-align-center\">&nbsp;&nbsp;<strong>&nbsp; &nbsp;\u201c\u96a8\u8457\u6211\u7684\u5e74\u7d00\u8d8a\u4f86\u8d8a\u5927\uff0c\u6211\u73fe\u5728\u5df2\u7d93\u6c92\u6709\u8fa6\u6cd5\u50cf\u5e74\u8f15\u6642\u505a\u5feb\u901f\u7684\u5fc3\u7b97\uff0c\u4f46\u662f\u6211\u73fe\u5728\u6bd4\u7576\u5e7425\u6b72\u621630\u6b72\u7684\u6642\u5019\u66f4\u52a0\u4e86\u89e3\u6295\u8cc7\u4eba\u7684\u884c\u70ba\u4e86\uff0c\u9019\u662f\u5f88\u91cd\u8981\u7684\u3002\u201d<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-right\">&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\u20142019\u5df4\u83f2\u7279\u65bc\u6ce2\u514b\u590f\u6d77\u745f\u5a01\u516c\u53f8\u7684\u80a1\u6771\u5927\u6703<\/p>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; \u7f8e\u570b\u96fb\u8996\u5287\u2013\u91d1\u878d\u4e4b\u6230(Billions)\u63cf\u8ff0\u7f8e\u570b\u6aa2\u5bdf\u5b98Chuck Rhoades\u8207\u907f\u96aa\u57fa\u91d1\u5927\u4ea8Bobby Axelrod\u5169\u4f4d\u7537\u4e3b\u89d2\u4e4b\u9593\u7cbe\u5f69\u7684\u9b25\u722d\uff0c\u4f46\u9664\u4e86\u9019\u5169\u4f4d\u7537\u4e3b\u89d2\u4e4b\u5916\uff0c\u5973\u4e3b\u89d2Wendy\u7684\u89d2\u8272\u4e5f\u5f88\u7279\u5225\uff0cWendy\u672c\u8eab\u8207\u6aa2\u5bdf\u5b98Chuck\u662f\u592b\u59bb\u7684\u95dc\u4fc2\uff0c\u4f46\u540c\u6642\u5979\u4e5f\u5728Bobby\u7684\u907f\u96aa\u57fa\u91d1\u516c\u53f8\u4e0a\u73ed\uff0c\u9019\u6a23\u932f\u7d9c\u8907\u96dc\u7684\u95dc\u4fc2\u8b93\u5169\u4f4d\u7537\u4e3b\u89d2\u7684\u5c0d\u7acb\u4e0d\u50c5\u50c5\u662f\u6aa2\u5bdf\u5b98\u8207\u72af\u7f6a\u5acc\u7591\u4eba\uff0c\u66f4\u591a\u4e86\u4e00\u4e9b\u4eba\u6027\u7684\u7cfe\u845b\u3002\u9664\u4e86\u4e0a\u8ff0\u7684\u95dc\u4fc2\u4e4b\u5916\uff0c\u9019\u4f4d\u5973\u4e3b\u89d2\u5728\u907f\u96aa\u57fa\u91d1\u516c\u53f8\u7684\u8077\u52d9\u624d\u662f\u6211\u8981\u8ac7\u7684\u91cd\u9ede\uff0cWendy\u5728\u516c\u53f8\u4e2d\u64d4\u4efb\u7684\u662f\u300e\u5fc3\u7406\u91ab\u751f\u300f\u7684\u89d2\u8272\uff0c\u516c\u53f8\u88e1\u9762\u6709\u9019\u6a23\u7684\u8077\u52d9\u5c0d\u65bc\u53f0\u7063\u7684\u4eba\u4f86\u8aaa\u662f\u5f88\u964c\u751f\u751a\u81f3\u611f\u89ba\u5947\u602a\u7684\uff0c\u56e0\u70ba\u5728\u53f0\u7063\u9023\u5fc3\u7406\u91ab\u751f\u90fd\u4e0d\u5e38\u898b\uff0c\u66f4\u5225\u8aaa\u5728\u4f01\u696d\u7576\u4e2d\u4e86\uff0c\u4f60\u4e0d\u6703\u5728\u53f0\u7063\u4efb\u4f55\u4e00\u5bb6\u91d1\u878d\u6a5f\u69cb\u88e1\u9762\u770b\u5230\u6709\u914d\u7f6e\u300e\u5fc3\u7406\u91ab\u751f\u300f\u9019\u6a23\u8077\u52d9\u7684\u4eba\u54e1\uff0c\u70ba\u4ec0\u9ebc\u907f\u96aa\u57fa\u91d1\u7684\u516c\u53f8\u88e1\u9762\u9700\u8981\u6709\u5fc3\u7406\u91ab\u751f\u5462?\u516c\u53f8\u88e1\u9762\u7684\u4ea4\u6613\u54e1\u6572\u6572\u96fb\u8166\u53ef\u80fd\u5c31\u6703\u7d93\u624b\u6578\u5104\u7f8e\u5143\u7684\u91d1\u984d\uff0c\u96e3\u9053\u9019\u4e9b\u4eba\u6703\u6709\u5fc3\u7406\u7684\u554f\u984c\uff0c\u9700\u8981\u516c\u53f8\u96a8\u6642\u6e96\u5099\u5fc3\u7406\u91ab\u751f\u7d66\u4e88\u6cbb\u7642\u55ce?\u5176\u5be6\u6c92\u932f\uff0c\u9019\u4e9b\u4ea4\u6613\u54e1\u7684\u78ba\u662f\u6703\u6709\u5fc3\u7406\u7684\u554f\u984c\uff0c\u800c\u4e14\u4e0d\u50c5\u50c5\u662f\u9019\u4e9b\u4ea4\u6613\u54e1\uff0c\u5176\u5be6\u6211\u5011\u6bcf\u500b\u4eba\uff0c\u7576\u9762\u5c0d\u6295\u8cc7\u7684\u6642\u5019\uff0c\u90fd\u6703\u6709\u5fc3\u7406\u7684\u554f\u984c\u3002\u88ab\u6295\u8cc7\u4eba\u5c0a\u70ba\u8b49\u5238\u5206\u6790\u4e4b\u7236\u7684\u73ed\u5091\u660e\uff65\u845b\u62c9\u6f22(Benjamin Graham)\u6559\u6388\u5728\u534a\u4e16\u7d00\u4e4b\u524d\u5c31\u66fe\u8aaa:\u6295\u8cc7\u4eba\u6700\u5927\u7684\u6575\u4eba\u662f\u81ea\u5df1\u3002\u5df4\u83f2\u7279\u4e5f\u66fe\u8aaa:\u6210\u529f\u6295\u8cc7\u4e26\u4e0d\u9700\u8981\u5177\u5099\u5f88\u9ad8\u7684\u667a\u5546\uff0c\u4f46\u9700\u8981\u6709\u63a7\u5236\u60c5\u7dd2\u7684\u80fd\u529b\u3002\u9019\u4e9b\u5049\u5927\u7684\u4eba\u7269\u90fd\u5728\u63d0\u9192\u6211\u5011\u4eba\u985e\u7684\u884c\u70ba\u624d\u662f\u6c7a\u5b9a\u6295\u8cc7\u6210\u679c\u7684\u95dc\u9375\uff0c\u4f46\u904e\u53bb\u6211\u5011\u5c0d\u65bc\u76f8\u95dc\u7684\u77e5\u8b58\u6240\u77e5\u6709\u9650\uff0c\u9019\u4e9b\u8b66\u544a\u4e5f\u5f88\u96e3\u771f\u6b63\u8b93\u6295\u8cc7\u4eba\u8b66\u60d5\u3002<\/p>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; \u50b3\u7d71\u4e0a\u7d93\u6fdf\u5b78\u7684\u7406\u8ad6\u90fd\u662f\u5047\u8a2d\u4eba\u662f\u300e\u7406\u6027\u300f\u7684\uff0c\u6bcf\u500b\u4eba\u5728\u505a\u6c7a\u7b56\u7684\u6642\u5019\u90fd\u6703\u7406\u6027\u7684\u4ee5\u81ea\u5df1\u7684\u6700\u5927\u5229\u76ca\u4f86\u505a\u9078\u64c7\uff0c\u4f46\u9019\u6a23\u7684\u5047\u8a2d\u537b\u4e0d\u7b26\u5408\u6211\u5011\u7684\u751f\u6d3b\u7d93\u9a57\uff0c\u5be6\u969b\u4e0a\u6211\u5011\u770b\u5230\u4eba\u5011\u6709\u592a\u591a\u4e0d\u7406\u6027\u7684\u884c\u70ba\u3002\u65bc\u662f\u591a\u5e74\u524d\u5c31\u6709\u4e00\u7fa4\u7d93\u6fdf\u5b78\u7684\u5b78\u8005\u958b\u59cb\u6311\u6230\u50b3\u7d71\u7d93\u6fdf\u5b78\u7684\u9019\u500b\u7406\u8ad6\u5047\u8a2d\uff0c\u7279\u5225\u7d50\u5408\u4e86\u5fc3\u7406\u5b78\u4e0a\u7684\u8a31\u591a\u5c08\u696d\u77e5\u8b58\uff0c\u5f62\u6210\u4e86\u7d93\u6fdf\u5b78\u7684\u4e00\u500b\u5206\u652f\u2014\u884c\u70ba\u7d93\u6fdf\u5b78\uff0c\u8fd1\u5e74\u4f86\u5df2\u7d93\u6709\u591a\u4f4d\u9019\u500b\u9818\u57df\u7684\u9802\u5c16\u4eba\u7269\u7372\u5f97\u4e86\u8afe\u8c9d\u723e\u7d93\u6fdf\u5b78\u734e\u7684\u80af\u5b9a\uff0c\u4f8b\u59822002\u5e74\u7684\u8afe\u8c9d\u723e\u7d93\u6fdf\u5b78\u734e\u5f97\u4e3b\u4e39\u5c3c\u723e\uff65\u5361\u5167\u66fc(Daniel Kahneman)\u6559\u6388\u30012013\u5e74\u7684\u7f85\u4f2f\uff65\u5e2d\u52d2(Robert Shiller)\u6559\u6388\u548c2017\u5e74\u7684\u5f97\u4e3b\u829d\u52a0\u54e5\u5927\u5b78\u7684\u7406\u67e5\uff65\u585e\u52d2\u6559\u6388(Richard Thaler)\uff0c\u7d93\u904e\u9019\u4e9b\u5b78\u8005\u591a\u5e74\u4f86\u7684\u52aa\u529b\uff0c\u8d8a\u4f86\u8d8a\u591a\u4eba\u8a8d\u540c\u4eba\u662f\u4e0d\u7406\u6027\u7684\u3002\u9019\u6a23\u7684\u7814\u7a76\u4e5f\u958b\u59cb\u88ab\u904b\u7528\u5230\u4e86\u91d1\u878d\u6295\u8cc7\u4e0a\uff0c\u88ab\u7a31\u70ba\u884c\u70ba\u91d1\u878d\u5b78(Behavioral Finance)\u3002\u6211\u5f88\u65e9\u5c31\u5c0d\u65bc\u884c\u70ba\u91d1\u878d\u5b78(Behavioral Finance)\u7684\u7814\u7a76\u975e\u5e38\u611f\u8208\u8da3\uff0c\u56e0\u70ba\u9019\u8b93\u6211\u5011\u80fd\u5920\u66f4\u7406\u89e3\u6295\u8cc7\u4eba\u5931\u6557\u6216\u6210\u529f\u7684\u539f\u56e0\uff0c\u6240\u4ee510\u591a\u5e74\u524d\u6211\u5beb\u7b2c\u4e00\u672c\u66f8\u7684\u6642\u5019\u5c31\u958b\u59cb\u4ecb\u7d39\u4e86\u76f8\u95dc\u7684\u4e00\u4e9b\u89c0\u5ff5\uff0c\u4f46\u7576\u6642\u80fd\u5920\u7372\u5f97\u7684\u8cc7\u8a0a\u975e\u5e38\u6709\u9650\uff0c\u5e02\u5834\u4e0a\u76f8\u95dc\u7684\u66f8\u7c4d\u4e5f\u4e0d\u591a\uff0c\u9019\u65b9\u9762\u7684\u8cc7\u8a0a\u4e26\u4e0d\u666e\u53ca\u3002\u73fe\u5728\u96a8\u8457\u7db2\u8def\u8cc7\u8a0a\u7684\u8d8a\u4f86\u8d8a\u8c50\u5bcc\uff0c\u540c\u6642\u66f4\u591a\u7684\u91d1\u878d\u5c08\u696d\u4eba\u58eb\u9858\u610f\u5728\u7db2\u8def\u4e0a\u5206\u4eab\u884c\u70ba\u91d1\u878d\u5b78\u76f8\u95dc\u7684\u77e5\u8b58\u8207\u61c9\u7528\uff0c\u8b93\u6211\u5011\u80fd\u5920\u5c0d\u4eba\u5011\u9762\u5c0d\u6295\u8cc7\u4e0a\u6240\u78b0\u5230\u7684\u554f\u984c\u6709\u66f4\u6df1\u5165\u7684\u8a8d\u8b58\u3002<\/p>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; \u672c\u66f8\u7684\u4f5c\u8005\u4e39\u5c3c\u723e\uff65\u514b\u7f85\u65af\u6bd4\u535a\u58eb\u5c31\u662f\u8fd1\u5e74\u4f86\u5728\u884c\u70ba\u91d1\u878d\u5b78\u4e0a\u5f88\u6d3b\u8000\u7684\u4eba\u7269\u4e4b\u4e00\uff0c\u4ed6\u7684\u8cc7\u6b77\u4e5f\u975e\u5e38\u7279\u5225\uff0c\u4ed6\u662f\u5fc3\u7406\u5b78\u7684\u535a\u58eb\uff0c\u66fe\u7d93\u64d4\u4efb\u904e\u81e8\u5e8a\u5fc3\u7406\u8aee\u5546\u5e2b\uff0c\u4e4b\u5f8c\u8f49\u5f80\u91d1\u878d\u696d\uff0c\u4e3b\u8981\u7684\u5de5\u4f5c\u5c31\u662f\u5354\u52a9\u91d1\u878d\u6295\u8cc7\u9867\u554f\u8a8d\u77e5\u5230\u6295\u8cc7\u4eba\u5728\u9762\u5c0d\u6295\u8cc7\u7684\u6642\u5019\u6703\u6709\u54ea\u4e9b\u5fc3\u7406\u60c5\u7dd2\u4e0a\u7684\u554f\u984c\uff0c\u9019\u6a23\u6295\u8cc7\u9867\u554f\u5011\u624d\u80fd\u5920\u66f4\u597d\u7684\u5354\u52a9\u5ba2\u6236\u9054\u5230\u8f03\u597d\u7684\u6295\u8cc7\u6210\u679c\uff0c\u4e39\u5c3c\u723e\u535a\u58eb\u6240\u505a\u7684\u4e8b\u60c5\u5c31\u985e\u4f3c\u4e00\u958b\u59cb\u6211\u63d0\u5230\u91d1\u878d\u4e4b\u6230(Billions)\u96fb\u8996\u5287\u4e2d\u5973\u4e3b\u89d2Wendy\u6240\u505a\u7684\u4e8b\u60c5\uff0cWendy\u5728\u516c\u53f8\u88e1\u9762\u7684\u5de5\u4f5c\u5c31\u662f\u5354\u52a9\u90a3\u4e9b\u5728\u4ea4\u6613\u4e0a\u9762\u81e8\u56f0\u5883\u7684\u4ea4\u6613\u54e1\u600e\u9ebc\u514b\u670d\u60c5\u7dd2\u7684\u554f\u984c\u9032\u800c\u63d0\u5347\u6295\u8cc7\u7e3e\u6548\uff0c\u73fe\u5728\u7f8e\u570b\u6709\u8d8a\u4f86\u8d8a\u591a\u7684\u91d1\u878d\u6a5f\u69cb\u958b\u59cb\u5b78\u7fd2\u9019\u985e\u7684\u77e5\u8b58\u751a\u81f3\u4e5f\u914d\u5099\u9019\u6a23\u7684\u5c08\u696d\u4eba\u54e1\u3002\u4e39\u5c3c\u723e\u535a\u58eb\u85c9\u7531\u81ea\u5df1\u5728\u5fc3\u7406\u5b78\u9818\u57df\u7684\u5c08\u696d\u5354\u52a9\u91d1\u878d\u5f9e\u696d\u4eba\u54e1\u66f4\u597d\u7684\u638c\u63e1\u6295\u8cc7\u60c5\u7dd2\uff0c\u7372\u5f97\u4e86\u76f8\u7576\u597d\u7684\u6210\u679c\uff0c\u73fe\u5728\u85c9\u7531\u4ed6\u7684\u5206\u4eab\u6211\u5011\u4e5f\u80fd\u5920\u66f4\u52a0\u8a8d\u8b58\u201d\u81ea\u5df1\u201d\u3002\u4f8b\u5982\u4e39\u5c3c\u723e\u535a\u58eb\u5728\u66f8\u4e2d\u5c31\u63d0\u5230\uff0c\u6211\u5011\u7684\u5927\u8166\u6709\u5e7e\u500b\u660e\u986f\u7684\u7279\u6027\u2014\u53c8\u8001\u3001\u53c8\u9913\u3001\u53c8\u4e0d\u8010\u7169\u3002\u5f88\u8001\u7684\u5927\u8166\uff0c\u4eba\u985e\u6700\u65e9\u7684\u7956\u5148\u2013\u300e\u667a\u4eba\u300f\u5df2\u7d93\u5728\u5730\u7403\u4e0a\u751f\u5b5815\u842c\u5e74\uff0c\u5f9e15\u842c\u5e74\u524d\u5230\u73fe\u5728\uff0c\u5176\u5be6\u4eba\u985e\u7684\u5927\u8166\u4e26\u6c92\u6709\u592a\u591a\u7684\u6539\u8b8a\uff0c\u4e5f\u5c31\u662f\u8aaa\u6211\u5011\u7684\u5927\u8166\u4e3b\u8981\u9084\u662f\u914d\u5099\u5728\u61c9\u4ed8\u53e2\u6797\u6642\u4ee3\u7684\u751f\u6d3b\uff0c\u800c\u4e0d\u662f\u73fe\u4ee3\u751f\u6d3b\u3002\u91d1\u878d\u5e02\u5834\u7684\u767c\u5c55\u6b77\u53f2\u4e5f\u50c5\u50c5\u53ea\u6709400\u5e74\u5de6\u53f3\uff0c\u5f88\u660e\u986f\u7684\uff0c\u6211\u5011\u7684\u5927\u8166\u5b8c\u5168\u9084\u6c92\u6709\u6e96\u5099\u597d\u9069\u61c9\u9019\u7a2e\u8ddf\u8001\u7956\u5b97\u5b8c\u5168\u4e0d\u540c\u7684\u6d3b\u52d5\uff0c\u9019\u7a2e\u60c5\u6cc1\u5c31\u50cf\u662f\u4e00\u90e8\u99ac\u8eca\u8dd1\u5728\u73fe\u4ee3\u7684\u9ad8\u901f\u516c\u8def\u4e0a\uff0c\u986f\u5f97\u683c\u683c\u4e0d\u5165\u4e14\u554f\u984c\u5f88\u591a\u3002\u5f88\u98e2\u9913\u7684\u5927\u8166\uff0c\u73fe\u4ee3\u4eba\u90fd\u4f7f\u7528\u624b\u6a5f\uff0c\u624b\u6a5f\u4e0a\u6709\u4e9bapp\u7279\u5225\u8017\u96fb\uff0c\u7576\u6211\u5011\u7684\u624b\u6a5f\u5feb\u6c92\u96fb\u7684\u6642\u5019\uff0c\u6211\u5011\u5c31\u6703\u958b\u555f\u7701\u96fb\u6a21\u5f0f\u95dc\u6389\u90a3\u4e9b\u5f88\u8017\u96fb\u7684app\uff0c\u6211\u5011\u7684\u5927\u8166\u5c31\u662f\u4eba\u9ad4\u4e2d\u6700\u6d88\u8017\u80fd\u91cf\u7684\u90e8\u4f4d\uff0c\u5927\u8166\u7684\u91cd\u91cf\u53ea\u5360\u9ad4\u91cd\u76842-3%\uff0c\u4f46\u537b\u6d88\u801725%\u7684\u80fd\u91cf\uff0c\u6240\u4ee5\u6211\u5011\u7684\u5927\u8166\u975e\u5e38\u7684\u98e2\u9913\u3002\u4e0d\u8010\u7169\u7684\u5927\u8166\uff0c\u56e0\u70ba\u5927\u8166\u5f88\u6d88\u8017\u80fd\u91cf\uff0c\u5927\u8166\u5728\u505a\u5f88\u591a\u6c7a\u7b56\u4e0a\u90fd\u6703\u63a1\u53d6\u6700\u7bc0\u80fd\u7684\u65b9\u5f0f\u4f86\u904b\u884c\uff0c\u514d\u5f97\u6d88\u8017\u80fd\u91cf\u592a\u5feb\uff0c\u9019\u6a23\u7684\u4f5c\u6cd5\u5f88\u5408\u7406\uff0c\u4f46\u4e5f\u6703\u9020\u6210\u6211\u5011\u5728\u6c7a\u7b56\u4e0a\u505a\u51fa\u4e0d\u7406\u6027\u7684\u5224\u65b7\uff0c\u9019\u5c31\u662f\u5927\u8166\u4e0d\u8010\u7169\u7684\u7279\u6027\u3002\u4e86\u89e3\u5927\u8166\u7684\u9019\u4e9b\u7279\u6027\u80fd\u5920\u8b93\u6211\u5011\u66f4\u6e05\u695a\u4eba\u5011\u70ba\u4f55\u6703\u505a\u51fa\u932f\u8aa4\u7684\u6c7a\u7b56(\u4f8b\u5982\u4eba\u6027\u5c31\u662f\u6703\u8ffd\u9ad8\u6bba\u4f4e)\uff0c\u9032\u800c\u907f\u514d\u9019\u4e9b\u932f\u8aa4\u767c\u751f\u7684\u6a5f\u6703\uff0c\u4e5f\u624d\u80fd\u5920\u9054\u6210\u6bcf\u500b\u4eba\u90fd\u60f3\u7372\u5f97\u7684\u597d\u8655\u2014\u597d\u7684\u6295\u8cc7\u6210\u679c\u3002\u4e39\u5c3c\u723e\u535a\u58eb\u5728\u66f8\u4e2d\u5c31\u9ede\u51fa\uff0c\u901a\u5e38\u6211\u5011\u8861\u91cf\u6295\u8cc7\u7684\u98a8\u96aa\u6642\uff0c\u6a19\u6e96\u7684\u6559\u79d1\u66f8\u6703\u544a\u8a34\u6211\u5011\u6709\u5169\u7a2e\u6295\u8cc7\u98a8\u96aa\uff0c\u5206\u5225\u662f\u7cfb\u7d71\u98a8\u96aa(\u6216\u7a31\u70ba\u5e02\u5834\u98a8\u96aa)\u8207\u975e\u7cfb\u7d71\u98a8\u96aa(\u975e\u5e02\u5834\u98a8\u96aa)\uff0c\u4f46\u5176\u5be6\u9084\u6709\u53e6\u4e00\u500b\u5f88\u95dc\u9375\u537b\u5f9e\u6c92\u6709\u4eba\u63d0\u5230\u7684\u98a8\u96aa\uff0c\u90a3\u5c31\u662f\u884c\u70ba\u98a8\u96aa\uff0c\u672c\u66f8\u5c31\u662f\u88dc\u8db3\u9019\u500b\u91cd\u8981\u7684\u90e8\u5206\u3002<\/p>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; \u672c\u66f8\u9084\u6709\u4e00\u500b\u5f88\u5927\u7684\u7279\u9ede\uff0c\u90a3\u5c31\u662f\u95b1\u8b80\u8d77\u4f86\u5f88\u8f15\u9b06\u5b8c\u5168\u4e0d\u56f0\u96e3\uff0c\u904e\u53bb\u6709\u4e9b\u95dc\u65bc\u884c\u70ba\u7d93\u6fdf\u5b78\u6216\u662f\u884c\u70ba\u91d1\u878d\u5b78\u7684\u66f8\u7c4d\u90fd\u662f\u9019\u9818\u57df\u7684\u5b78\u8005\u6240\u5beb\u7684\uff0c\u96e3\u514d\u90fd\u6703\u6709\u95b1\u8b80\u8d77\u4f86\u8f03\u8271\u6f80\u7684\u60c5\u6cc1\uff0c\u4e00\u822c\u7684\u6295\u8cc7\u4eba\u95b1\u8b80\u8d77\u4f86\u6703\u5f88\u8f9b\u82e6\uff0c\u4f46\u672c\u66f8\u5b8c\u5168\u6c92\u6709\u9019\u65b9\u9762\u7684\u554f\u984c\uff0c\u4e0d\u8ad6\u4f60\u662f\u91d1\u878d\u5f9e\u696d\u4eba\u54e1\u60f3\u8981\u66f4\u597d\u7684\u5354\u52a9\u4f60\u7684\u5ba2\u6236\u7372\u5f97\u8f03\u597d\u7684\u6295\u8cc7\u6210\u679c\uff0c\u6216\u4f60\u53ea\u662f\u55ae\u7d14\u60f3\u8981\u5e6b\u81ea\u5df1\u5275\u9020\u66f4\u597d\u7684\u6210\u7e3e\uff0c\u7279\u5225\u662f\u5982\u679c\u4f60\u66fe\u7d93\u5b78\u904e\u5404\u7a2e\u57fa\u672c\u5206\u6790\u6216\u8005\u6280\u8853\u5206\u6790\u537b\u59cb\u7d42\u7121\u6cd5\u7372\u5f97\u826f\u597d\u7e3e\u6548\u800c\u611f\u5230\u5f88\u56f0\u60d1\u7684\u4eba\uff0c\u672c\u66f8\u90fd\u662f\u975e\u5e38\u68d2\u7684\u53c3\u8003\u66f8\u7c4d\uff0c\u80fd\u5920\u8b93\u4f60\u5f9e\u4e0d\u540c\u7684\u89d2\u5ea6\u4f86\u601d\u8003\u6295\u8cc7\u554f\u984c\uff0c\u95b1\u8b80\u8d77\u4f86\u6703\u7d93\u5e38\u8b93\u4f60\u7522\u751f\u300e\u554a!\u539f\u4f86\u5982\u6b64\u300f\u7684\u53cd\u61c9\u3002\u6211\u6536\u5230\u51fa\u7248\u793e\u5bc4\u4f86\u7684\u66f8\u7a3f\u4e4b\u5f8c\uff0c\u5229\u7528\u5e7e\u6b21\u5728\u9ad8\u9435\u4e0a\u7684\u6642\u9593\u5c31\u95b1\u8b80\u5b8c\u672c\u66f8\uff0c\u7372\u76ca\u826f\u591a\uff0c\u76f8\u4fe1\u4f60\u4e5f\u80fd\u5920\u8f15\u9b06\u82b1\u5e7e\u500b\u5c0f\u6642\u5c31\u95b1\u8b80\u5b8c\u7562\u3002\u8b80\u904e\u672c\u66f8\u4e4b\u5f8c\u6211\u4fdd\u8b49\u4f60\u5c0d\u65bc\u6295\u8cc7\u6703\u6709\u66f4\u4e0d\u540c\u7684\u60f3\u6cd5\uff0c\u4e5f\u80fd\u5920\u8b93\u4f60\u7684\u6295\u8cc7\u667a\u6167\u66f4\u4e0a\u4e00\u5c64\uff0c\u6211\u5011\u5f88\u5c11\u80fd\u5920\u7372\u5f97\u540c\u6642\u5177\u5099\u5fc3\u7406\u5b78\u8207\u91d1\u878d\u5169\u500b\u5c08\u696d\u77e5\u8b58\u7684\u4eba\u544a\u8a34\u6211\u5011\u9019\u5169\u500b\u9818\u57df\u7d50\u5408\u7684\u667a\u6167\u7d50\u6676\uff0c\u672c\u66f8\u5c31\u662f\u96e3\u5f97\u7684\u4f73\u4f5c\uff0c\u95b1\u8b80\u672c\u66f8\u7d55\u5c0d\u503c\u5f97\u4f60\u7684\u6642\u9593\uff0c\u6211\u4e5f\u9858\u610f\u63a8\u85a6\u7d66\u66f4\u591a\u7684\u4eba\u3002<\/p>\n\n\n\n<p class=\"has-text-align-right\">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; \u526f\u7e3d\u88c1\u7684\u7406\u8ca1\u65e5\u8a8c\u7248\u4e3b \u9673\u5fd7\u5f65 \u63a8\u85a6<\/p>\n\n\n\n<div class=\"wp-block-group alignfull has-text-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"color:#000000;background-color:#ffffff\">\n<style>\n\/* --- \u9810\u8a2d\uff1a\u624b\u6a5f\u7248\u5c3a\u5bf8 (\u5c0f\u87a2\u5e55) --- *\/\n.rwd-heading {\n    font-size: 32px !important;\n    margin-bottom: 24px !important;\n}\n.rwd-btn-wrapper {\n    \/* \u624b\u6a5f\u7248\u6a19\u984c\uff1a32px * 10\u5b57 = 320px *\/\n    width: 320px !important;\n    max-width: 100% !important;\n}\n.rwd-btn-link {\n    font-size: 16px !important;\n    padding: 12px 16px !important;\n}\n\n\/* --- \u5e73\u677f\u7248\u5c3a\u5bf8 (\u87a2\u5e55\u5bec\u5ea6\u5927\u65bc 768px) --- *\/\n@media (min-width: 768px) {\n    .rwd-heading {\n        font-size: 48px !important;\n        margin-bottom: 32px !important;\n    }\n    .rwd-btn-wrapper {\n        \/* \u5e73\u677f\u7248\u6a19\u984c\uff1a48px * 10\u5b57 = 480px *\/\n        width: 480px !important;\n    }\n    .rwd-btn-link {\n        font-size: 18px !important;\n        padding: 14px 20px !important;\n    }\n}\n\n\/* --- \u96fb\u8166\u7248\u5c3a\u5bf8 (\u87a2\u5e55\u5bec\u5ea6\u5927\u65bc 1024px) --- *\/\n@media (min-width: 1024px) {\n    .rwd-heading {\n        font-size: 48px !important;\n        margin-bottom: 40px !important;\n    }\n    .rwd-btn-wrapper {\n        \/* \u96fb\u8166\u7248\u6a19\u984c\uff1a48px * 10\u5b57 = 480px *\/\n        width: 480px !important;\n    }\n    .rwd-btn-link {\n        font-size: 20px !important;\n        padding: 15px 20px !important;\n    }\n}\n<\/style>\n\n<div class=\"wp-block-group alignfull has-text-color has-background\" style=\"color:#000000;background-color:#ffffff;text-align:center;padding:40px 20px;\">\n\n<h2 class=\"wp-block-heading has-text-align-center rwd-heading\" id=\"schedule-a-visit-personal\" style=\"line-height:1.15;font-weight:700;\">\u7acb\u5373\u555f\u52d5\u500b\u4eba\u8ca1\u5bcc\u8a08\u756b<\/h2>\n\n<div class=\"wp-block-buttons\" style=\"display:flex;flex-direction:column;align-items:center;gap:20px;\">\n\n    <div class=\"wp-block-button rwd-btn-wrapper\">\n        <a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/jOAm2Tj0\" style=\"border-radius:50px;color:#ffffff;background-color:#006ece;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u514d\u8cbb\u8a3b\u518a\u963f\u723e\u767c\u6703\u54e1<\/a>\n    <\/div>\n\n    <div class=\"wp-block-button rwd-btn-wrapper\">\n        <a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u7acb\u5373\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9Line@<\/a>\n    <\/div>\n\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u201c\u5728\u6211\u7684\u4e00\u751f\u7576\u4e2d\uff0c\u6211\u78b0\u5230\u7684\u6bcf\u4e00\u500b\u6709\u667a\u6167\u7684\u4eba\u90fd\u6709\u5927\u91cf\u95b1\u8b80\u7684\u7fd2\u6163\uff0c\u662f\u7684\uff0c\u6bcf\u4e00\u500b\u90fd\u662f\u5982\u6b64\u201c &nbsp; &#038;nbsp [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1267,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[407,440],"class_list":["post-1261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-10","tag-407","tag-440"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1261"}],"version-history":[{"count":1,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1261\/revisions"}],"predecessor-version":[{"id":15941,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1261\/revisions\/15941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/1267"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}