{"id":1288,"date":"2019-09-23T21:43:00","date_gmt":"2019-09-23T13:43:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1288"},"modified":"2026-06-03T15:53:26","modified_gmt":"2026-06-03T07:53:26","slug":"%e5%a6%82%e4%bd%95%e6%8a%95%e8%b3%87%e6%89%8d%e4%b8%8d%e6%9c%83%e8%b3%a0%e9%8c%a2","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1288","title":{"rendered":"\u5982\u4f55\u6295\u8cc7\u624d\u4e0d\u6703\u8ce0\u9322?"},"content":{"rendered":"\n<p class=\"has-text-align-center\">\u201c\u6642\u9593\u662f\u4f60\u7684\u670b\u53cb\uff0c\u885d\u52d5\u662f\u4f60\u7684\u6575\u4eba\u201d<\/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;\u2014\u9818\u822a\u96c6\u5718(Vanguard)\u5275\u8fa6\u4eba\u4f2f\u683c(Jack Bogle)<\/p>\n\n\n\n<p><strong>\u5f88\u591a\u4eba\u90fd\u60f3\u8981\u77e5\u9053:\u600e\u9ebc\u6295\u8cc7\u624d\u4e0d\u6703\u8ce0\u9322?\u6709\u7684\u4eba\u7684\u65b9\u6cd5\u662f\u52aa\u529b\u7814\u7a76\u5404\u7a2e\u7684\u6280\u8853\u5206\u6790\u6307\u6a19\uff0c\u5283\u51fa\u5404\u5f0f\u5404\u6a23\u7684\u5716\u5f62\uff1b\u6709\u7684\u4eba\u662f\u95b1\u8b80\u5927\u91cf\u7684\u8ca1\u7d93\u96dc\u8a8c\u8207\u6587\u7ae0\uff0c\u8a66\u5716\u627e\u51fa\u6709\u7528\u7684\u8cc7\u8a0a\uff1b\u6709\u7684\u4eba\u5247\u662f\u807d\u5f9e\u96fb\u8996\u8ca1\u7d93\u7bc0\u76ee\u7684\u201d\u5c08\u5bb6\u201d\u63a8\u85a6\u2026\u2026<\/strong><\/p>\n\n\n\n<p>\u4e0a\u8ff0\u9019\u4e9b\u65b9\u6cd5\u53ef\u80fd\u6548\u679c\u90fd\u6c92\u6709\u4f60\u60f3\u50cf\u7684\u7406\u60f3\uff0c\u5fd9\u4e86\u534a\u5929\u7d50\u679c\u537b\u9084\u662f\u8ce0\u9322\u3002\u4e8b\u5be6\u4e0a\uff0c\u4f60\u53ef\u80fd\u5b8c\u5168\u52aa\u529b\u932f\u4e86\u65b9\u5411\uff0c\u5c0d\u6295\u8cc7\u4eba\u4f86\u8aaa\u6700\u597d\u7684\u6295\u8cc7\u65b9\u6cd5\u5c31\u662f\u2014<strong>\u9577\u671f\u6295\u8cc7<\/strong>\uff0c\u201d\u6642\u9593\u201d\u624d\u662f\u4f60\u6700\u597d\u7684\u670b\u53cb!<\/p>\n\n\n\n<p>\u4e0b\u5716\u6e05\u695a\u7684\u544a\u8a34\u4f60\uff0c\u5982\u4f55\u904b\u7528\u6642\u9593\u4f86\u5e6b\u52a9\u4f60\u7372\u5229\uff0c\u5716\u8868\u4e2d\u5448\u73fe\u7f8e\u570b\u80a1\u5e02\u6301\u6709\u6642\u9593\u5206\u5225\u662f1\u5e74\u30015\u5e74\u300110\u5e74\u820720\u5e74\u7684\u671f\u9593\u6240\u7372\u5f97\u7684\u6295\u8cc7\u5831\u916c:<\/p>\n\n\n\n<p>\u7576\u4f60\u6295\u8cc7\u7684\u671f\u9593\u70ba1\u5e74\u7684\u6642\u5019\uff0c\u4f60\u53ef\u80fd\u7684\u6295\u8cc7\u7d50\u679c\u662f\u843d\u5728-37%\u5230+53%\u4e4b\u9593\uff0c\u7576\u4f60\u7684\u6301\u6709\u6642\u9593\u8d8a\u9577\u7684\u6642\u5019\uff0c\u4f60\u6703\u767c\u73fe\uff0c\u4f60\u7684\u6295\u8cc7\u7d50\u679c\u7684\u5340\u9593\u6703\u8d8a\u4f86\u8d8a\u5c0f\uff0c\u7576\u4f60\u6301\u670920\u5e74\u7684\u6642\u9593\uff0c\u4f60\u7684\u6295\u8cc7\u7d50\u679c\u6703\u843d\u5728\u6bcf\u5e74+0.5%\u5230+13.2%\u4e4b\u9593\u3002\u4e5f\u5c31\u662f\u8aaa\uff0c<strong>\u7576\u4f60\u6295\u8cc7\u7684\u6642\u9593\u8d8a\u9577\uff0c\u4f60\u6295\u8cc7\u7d50\u679c\u7684\u53ef\u9810\u6e2c\u6027\u5c31\u8d8a\u9ad8\uff0c\u7372\u5f97\u6b63\u5831\u916c\u7684\u6a5f\u6703\u4e5f\u8d8a\u9ad8\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"598\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/81-2.jpg\" alt=\"\" class=\"wp-image-1292\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/81-2.jpg 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/81-2-300x234.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90:<a href=\"https:\/\/themeasureofaplan.com\/\">The Measure of a Plan<\/a><\/figcaption><\/figure>\n\n\n\n<p>\u7576\u7136\uff0c\u9577\u671f\u6295\u8cc7\u7684\u610f\u601d\u4e26\u4e0d\u662f\u8aaa\u4f60\u8cb7\u9032\u4e00\u6a94\u80a1\u7968\u7136\u5f8c\u5c31\u653e\u8457\u4e0d\u53bb\u7ba1\u5b83\uff0c\u6211\u5728\u4e4b\u524d\u7684<a rel=\"noreferrer noopener\" href=\"http:\/\/james1966.blogspot.com\/2019\/05\/creative-destruction.html\" target=\"_blank\"><strong>\u9019\u7bc7\u6587\u7ae0<\/strong><\/a>\u4e2d\u66fe\u7d93\u8aaa\u904e\uff0c\u6295\u8cc7\u4eba\u8cfc\u8cb7\u55ae\u4e00\u80a1\u7968\u7684\u98a8\u96aa\u5176\u5be6\u662f\u975e\u5e38\u9ad8\u7684\uff0c\u8981\u9078\u5230\u9577\u671f\u80fd\u5920\u52dd\u51fa\u7684\u80a1\u7968\u96e3\u5ea6\u662f\u76f8\u7576\u76f8\u7576\u5927\u7684\u3002&nbsp; &nbsp;&nbsp;<strong>\u6240\u4ee5\u6295\u8cc7\u4eba\u76e1\u91cf\u9084\u662f\u4e0d\u8981\u8f15\u6613\u5730\u53bb\u5617\u8a66\uff0c\u5c0d\u591a\u6578\u4eba\u4f86\u8aaa\uff0c\u6301\u6709\u4e00\u500b\u5206\u6563\u98a8\u96aa\u7684\u6295\u8cc7\u7d44\u5408\u6703\u6bd4\u6301\u6709\u55ae\u4e00\u80a1\u7968\u4f86\u7684\u66f4\u597d\uff0c\u6301\u6709\u4e00\u500b\u9069\u5408\u4f60\u98a8\u96aa\u5c6c\u6027\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u7136\u5f8c\u5c31\u9577\u671f\u7684\u6301\u6709\uff0c\u9019\u624d\u662f\u6b63\u78ba\u7684\u65b9\u6cd5\u3002\u81f3\u65bc\u600e\u6a23\u7684\u6295\u8cc7\u7d44\u5408\u624d\u662f\u9069\u5408\u4f60\u7684\uff0c\u56e0\u70ba\u6bcf\u500b\u4eba\u7684\u60c5\u6cc1\u90fd\u4e0d\u76f8\u540c\uff0c\u6240\u4ee5\u9019\u9ede\u9084\u662f\u8acb\u6559\u5c08\u696d\u7684\u4eba\u58eb\u4f86\u5354\u52a9\u6703\u597d\u4e00\u9ede\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"730\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/81-3.jpg\" alt=\"\" class=\"wp-image-1293\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/81-3.jpg 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/81-3-300x285.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p>\u4e0d\u904e\u9019\u88e1\u6709\u500b\u5927\u81f4\u7684\u6e96\u5247(Rule of Thumb)\u4f60\u53ef\u4ee5\u7576\u6210\u4e00\u500b\u53c3\u8003\u7684\u65b9\u5411\uff0c\u90a3\u5c31\u662f100\u6e1b\u53bb\u5e74\u9f61\u6cd5\u5247(The 100-age rule)\uff0c\u9019\u662f\u610f\u601d\u5c31\u662f\u8aaa\uff0c100\u6e1b\u6389\u4f60\u7684\u5e74\u9f61\u7b49\u65bc\u4f60\u6295\u8cc7\u7d44\u5408\u4e2d\u201d\u80a1\u7968\u201d\u8cc7\u7522\u7684\u6bd4\u7387\uff0c\u4f8b\u5982\u4f60\u662f30\u6b72\u7684\u8a71\uff0c100\u6e1b\u638930\u7b49\u65bc70\uff0c\u6240\u4ee5\u4f60\u7684\u6295\u8cc7\u7d44\u5408\u4e2d\u80a1\u7968\u8cc7\u7522\u5927\u7d04\u536070%\uff0c\u53e6\u591630%\u5c31\u662f\u50b5\u5238\u8cc7\u7522\uff0c40\u6b72\u7684\u8a71\uff0c\u4f60\u7684\u6295\u8cc7\u7d44\u5408\u4e2d\u80a1\u7968\u8cc7\u7522\u5927\u7d04\u536060%\uff0c\u53e6\u591640%\u662f\u50b5\u5238\u8cc7\u7522\uff0c\u4ee5\u6b64\u985e\u63a8\uff0c\u96d6\u7136\u9019\u4e26\u4e0d\u662f\u500b\u7d55\u5c0d\u7684\u6a19\u6e96\uff0c\u4f46\u662f\u53ef\u4ee5\u7576\u6210\u4e00\u500b\u5f88\u597d\u7684\u53c3\u8003\u8d77\u9ede\u3002<\/p>\n\n\n\n<p>\u53ea\u8981\u4f60\u80fd\u5920\u9075\u7167\u4e0a\u9762\u6240\u8aaa\u7684\u5e7e\u9ede\u539f\u5247\u53bb\u505a\uff0c\u57fa\u672c\u4e0a\u6295\u8cc7\u7372\u5229\u5c31\u4e0d\u6703\u90a3\u9ebc\u56f0\u96e3\u4e86\u5594!<\/p>\n\n\n\n<div 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