{"id":1273,"date":"2019-09-23T21:30:00","date_gmt":"2019-09-23T13:30:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1273"},"modified":"2019-09-23T21:30:00","modified_gmt":"2019-09-23T13:30:00","slug":"%e7%b5%a6%e5%ad%ab%e5%ad%90%e7%9a%84%e4%bf%a1-%e8%80%b6%e9%ad%af%e6%93%8d%e7%9b%a4%e6%89%8b%e7%9a%84%e6%8a%95%e8%b3%87%e6%99%ba%e6%85%a7","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1273","title":{"rendered":"\u7d66\u5b6b\u5b50\u7684\u4fe1\u2014\u8036\u9b6f\u64cd\u76e4\u624b\u7684\u6295\u8cc7\u667a\u6167"},"content":{"rendered":"\n<p>\u7d66\u5b50\u5973\u7684\u4fe1\u4e00\u76f4\u90fd\u662f\u6211\u5f88\u559c\u6b61\u95b1\u8b80\u7684\u5167\u5bb9\uff0c\u56e0\u70ba\u9019\u985e\u7684\u8cc7\u8a0a\u662f\u7236\u6bcd\u5011\u667a\u6167\u7684\u50b3\u627f\u800c\u4e0d\u662f\u70ba\u4e86\u884c\u92b7\uff0c\u4e4b\u524d\u6211\u5206\u4eab\u904eMorgan Housel\u7d66\u5973\u5152\u7684\u4fe1\uff0c\u4eca\u5929\u4f86\u5206\u4eab\u53e6\u4e00\u4f4d\u5927\u540d\u9f0e\u9f0e\u7684\u4eba\u7269\u2014\u8036\u9b6f\u5927\u5b78\u6350\u8d08\u57fa\u91d1\u7684\u64cd\u76e4\u624b<a href=\"https:\/\/www.aaii.com\/updates\/article\/10580-words-of-advice-letter-to-my-grandchildren?a=weeklynm20190618&amp;fromweekly=weekly&amp;acc=o\"><strong>\u67e5\u723e\u65af<\/strong><\/a><a href=\"https:\/\/www.aaii.com\/updates\/article\/10580-words-of-advice-letter-to-my-grandchildren?a=weeklynm20190618&amp;fromweekly=weekly&amp;acc=o\"><strong>\uff65\u827e\u5229\u65af<\/strong><\/a>(Charles Ellis)\uff0c\u56e0\u70ba\u4ed6\u5df2\u7d93\u5e74\u7d00\u5f88\u5927\u4e86\uff0c\u6240\u4ee5\u4ed6\u4e0d\u662f\u5beb\u7d66\u5152\u5973\u800c\u662f\u5beb\u7d66\u4ed6\u7684\u5b6b\u5b50\u5011\u3002\u67e5\u723e\u65af\uff65\u827e\u5229\u65af\u6709\u8457\u8d85\u904e50\u5e74\u5c08\u696d\u7684\u6295\u8cc7\u7d93\u9a57\u4e14\u7e3e\u6548\u5353\u8457\uff0c\u4ed6\u7d66\u5b6b\u5b50\u5011\u7684\u6295\u8cc7\u5efa\u8b70\u81ea\u7136\u662f\u975e\u5e38\u5bf6\u8cb4\u7684\u7d93\u9a57\u50b3\u627f\uff0c\u4e5f\u503c\u5f97\u6211\u5011\u597d\u597d\u7684\u5b78\u7fd2\u3002<br \/><\/p>\n\n\n\n<p>\u4fe1\u4e2d\u9996\u5148\u63d0\u5230\uff0c\u5b78\u7fd2\u6295\u8cc7\u77e5\u8b58\u662f\u9700\u8981\u82b1\u5f88\u591a\u6642\u9593\u53bb\u95b1\u8b80\u7684\uff0c\u4e00\u5c01\u4fe1\u7121\u6cd5\u5b8c\u6574\u7684\u8868\u9054\uff0c\u5982\u679c\u5b6b\u5b50\u5011\u6709\u8208\u8da3\u7e7c\u7e8c\u5b78\u7fd2\uff0c\u53ef\u4ee5\u8b80\u4e00\u8b80\u4ed6\u81ea\u5df1\u5beb\u7684<a href=\"https:\/\/www.books.com.tw\/products\/0010791680\"><strong>\u6295\u8cc7\u7d42\u6975\u6230<\/strong><\/a>(Winning The Loser\u2019s Game)\u9019\u672c\u66f8(\u4f5c\u8005\u4e0d\u5fd8\u63a8\u85a6\u81ea\u5df1\u7684\u66f8\u7c4d\uff0c\u4f46\u9019\u771f\u7684\u662f\u4e00\u672c\u597d\u66f8\uff0c<strong>\u6211\u4e5f\u975e\u5e38\u63a8\u85a6\u5927\u5bb6\u53bb\u95b1\u8b80<\/strong>)\u3002<\/p>\n\n\n\n<p>\u63a5\u4e0b\u4f86\u4ed6\u5148\u7d66\u5b6b\u5b50\u5011\u5169\u500b\u63d0\u9192:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>\u5982\u679c\u4f60\u95b1\u8b80\u5b8c\u6b64\u5c01\u4fe1\u7684\u6642\u5019\uff0c\u9084\u6c92\u6709\u6e96\u5099\u597d\u8981\u7acb\u5373\u6295\u8cc7\uff0c\u90a3\u9ebc\u628a\u4fe1\u653e\u56de\u4fe1\u5c01\uff0c\u7b495\u5e74\u5f8c\u518d\u91cd\u65b0\u62ff\u51fa\u4f86\u95b1\u8b80\u3002<\/li><li>\u5982\u679c\u4e4b\u5f8c\u62ff\u51fa\u95b1\u8b80\uff0c\u4f9d\u7136\u5c0d\u65bc\u6295\u8cc7\u9019\u9805\u5c08\u696d\u4e0d\u611f\u8208\u8da3\uff0c\u90a3\u9ebc\u4e5f\u4e0d\u8981\u52c9\u5f37\uff0c\u5c31\u628a\u6295\u8cc7\u7684\u5c08\u696d\u4ea4\u7d66\u4f60\u4fe1\u8cf4\u7684\u5c08\u696d\u4eba\u58eb\u5e6b\u4f60\u8655\u7406\u5c31\u597d\u3002<\/li><\/ol>\n\n\n\n<p>\u4ea4\u4ee3\u5b8c\u9019\u5169\u9805\u63d0\u9192\u4e4b\u5f8c\uff0c\u63a5\u8457\u5c31\u662f\u5927\u5e2b\u8981\u544a\u8a34\u5b6b\u5b50\u5011\u768412\u9ede\u6295\u8cc7\u667a\u6167:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>\u628a\u4f60\u7684\u6295\u8cc7\u671f\u9593\u8a2d\u5b9a\u70ba\u6700\u5c1150\u5e74!&nbsp;\u6c92\u932f\uff0c\u5c31\u662f50\u5e74\u4ee5\u4e0a\uff0c\u6c38\u9060\u8981\u9577\u671f\u6295\u8cc7\uff0c\u800c\u4e14\u662f\u975e\u5e38\u975e\u5e38\u9577\u671f\u7684\u6295\u8cc7\uff0c\u9577\u671f\u6295\u8cc7\u6642\u80a1\u7968\u8cc7\u7522\u662f\u6700\u91cd\u8981\u7684\u7372\u5229\u4f86\u6e90\u3002<\/li><\/ol>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; (\u542b\u610f:\u9577\u671f\u624d\u80fd\u5920\u8b93\u8907\u5229\u7684\u6548\u679c\u986f\u73fe\u51fa\u4f86)<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\"><li>\u8981\u77e5\u9053\u6c92\u6709\u4efb\u4f55\u4eba\u80fd\u5920\u6e96\u78ba\u5730\u77e5\u9053\u54ea\u4e00\u5bb6\u516c\u53f8\u672a\u4f86\u6703\u52dd\u51fa\uff0c\u6240\u4ee5\u6311\u9078\u80a1\u7968\u4e0d\u662f\u597d\u65b9\u6cd5\uff0c\u63a1\u7528\u5206\u6563\u6295\u8cc7\u7684\u65b9\u6cd5\u624d\u662f\u660e\u667a\u7684\uff0c2013\u5e74\u7684\u6642\u5019\u6a5f\u69cb\u6cd5\u4eba\u5df2\u7d93\u5360\u7f8e\u570b\u4ea4\u6613\u624095%\u7684\u6210\u4ea4\u91cf\uff0c\u534a\u4e16\u7d00\u524d\u9019\u9805\u6bd4\u7387\u624d\u53ea\u670910%\u3002<\/li><\/ol>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; (\u542b\u610f:\u6563\u6236\u6295\u8cc7\u4eba\u4e0d\u8981\u5617\u8a66\u53bb\u6311\u9078\u55ae\u4e00\u80a1\u7968\uff0c\u90a3\u662f\u6a5f\u69cb\u6cd5\u4eba\u7684\u5de5\u4f5c)<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\"><li>\u4e0d\u8981\u7406\u6703\u80a1\u7968\u5e02\u5834\u6bcf\u5929\u6216\u6bcf\u9031\u7684\u6f32\u8dcc\u60c5\u6cc1\uff0c\u4e5f\u4e0d\u8981\u53bb\u95dc\u6ce8\u6b64\u985e\u7684\u65b0\u805e\uff0c\u6c38\u9060\u60f3\u8457\u9577\u671f\u7684\u76ee\u6a19\u3002\u5c31\u5982\u540c\u4f60\u8003\u616e\u8cb7\u623f\u5b50\u7684\u6642\u5019\uff0c\u4e0d\u6703\u56e0\u70ba\u67d0\u4e00\u5929\u7684\u5929\u6c23\u5f71\u97ff\u800c\u662f\u8003\u616e\u8a72\u5730\u5340\u6574\u9ad4\u7684\u6c23\u5019\u4e00\u6a23\u3002\u800c\u4e14\u8981\u8a18\u4f4f\uff0c\u4e8b\u5be6\u4e0a\u7576\u5e02\u5834\u4e0b\u8dcc\u7684\u6642\u5019\uff0c\u9019\u5c0d\u9577\u671f\u6295\u8cc7\u4eba\u4f86\u8aaa\u662f\u4ef6\u597d\u4e8b\u800c\u4e0d\u662f\u58de\u4e8b\u3002<\/li><\/ol>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; (\u542b\u610f:\u9060\u96e2\u77ed\u671f\u7684\u80a1\u5e02\u566a\u97f3\uff0c\u4e0d\u8981\u53d7\u77ed\u671f\u6f32\u8dcc\u8207\u65b0\u805e\u7684\u5f71\u97ff)<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"4\"><li>\u76e1\u53ef\u80fd\u7684\u964d\u4f4e\u4f60\u7684\u4ea4\u6613\u6210\u672c\uff0c\u5982\u679c\u4f60\u4e0d\u6253\u7b97\u6301\u6709\u67d0\u500b\u6295\u8cc7\u81f3\u5c1110\u5e74\u7684\u6642\u9593\uff0c\u90a3\u9ebc\u4e00\u958b\u59cb\u5c31\u4e0d\u61c9\u8a72\u53bb\u6295\u8cc7\uff0c\u5df4\u83f2\u7279\u5efa\u8b70\u6bcf\u500b\u6295\u8cc7\u4eba\u61c9\u8a72\u628a\u4e00\u751f\u7684\u6295\u8cc7\u6c7a\u7b56\u9650\u5236\u572810\u500b\u6c7a\u7b56\u4ee5\u5167\uff0c\u9019\u662f\u500b\u597d\u5efa\u8b70\uff0c\u9019\u6a23\u505a\u4f60\u624d\u80fd\u5920\u6210\u70ba\u4e00\u4f4d\u6210\u529f\u7684\u9577\u671f\u6295\u8cc7\u4eba\u3002<\/li><\/ol>\n\n\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; (\u542b\u610f:\u8b39\u614e\u7684\u9078\u64c7\u6295\u8cc7\u6a19\u7684\uff0c\u4e00\u65e6\u9078\u597d\u4e86\u4e4b\u5f8c\uff0c\u5c31\u653e\u8457\u76e1\u91cf\u4e0d\u8981\u53bb\u6539\u8b8a)<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"5\"><li>\u9078\u64c7\u4f4e\u6210\u672c\u4e14\u5206\u6563\u7684\u6307\u6578\u578b\u57fa\u91d1\u505a\u70ba\u6295\u8cc7\u9078\u64c7\uff0c\u7d55\u5927\u591a\u6578\u7684\u4f4e\u6210\u672c\u6307\u6578\u578b\u57fa\u91d1\u7684\u7e3e\u6548\u90fd\u512a\u65bc\u540c\u985e\u578b\u7684\u4e3b\u52d5\u578b\u5171\u540c\u57fa\u91d1\uff0c\u4f46\u8981\u8a18\u5f97\u67e5\u770b\u57fa\u91d1\u7684\u7ba1\u5229\u8cbb\uff0c\u4e0d\u662f\u6bcf\u500b\u6307\u6578\u578b\u57fa\u91d1\u90fd\u662f\u4f4e\u6210\u672c\u7684\u3002&nbsp; 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