{"id":13072,"date":"2025-02-19T15:14:55","date_gmt":"2025-02-19T07:14:55","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13072"},"modified":"2026-10-27T12:09:56","modified_gmt":"2026-10-27T04:09:56","slug":"%e5%8b%9e%e4%bf%9d%e6%9c%88%e9%80%80%e9%87%91%e8%a9%a6%e7%ae%97%ef%bc%9a45800-%e5%85%83%e6%9c%80%e9%ab%98%e7%b4%9a%e8%b7%9d%e8%83%bd%e9%a0%98%e5%a4%9a%e5%b0%91%ef%bc%9f%e8%80%81%e5%b9%b4%e7%b5%a6","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13072","title":{"rendered":"\u52de\u4fdd\u6708\u9000\u8a66\u7b97\uff1a45800 \u6700\u9ad8\u6295\u4fdd\u85aa\u8cc7\u9818\u591a\u5c11\uff1f2026 \u5c0d\u7167\u8868"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u52de\u4fdd\u9000\u4f11\u91d1\u6708\u9818\u8a66\u7b97\uff1d\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u00d7\u5e74\u8cc7\u00d71.55%<sup>[4]<\/sup>\uff0c\u6700\u9ad8\u6295\u4fdd\u85aa\u8cc7 45,800 \u5143\u6295\u4fdd 30 \u5e74\uff0c65 \u6b72\u6bcf\u6708\u7d04 21,297 \u5143\u3002<\/p>\n\n<p 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font-size: 15px; color: var(--at-blue); font-weight: 600; }\n.alpha-tool details.at-adv[open] summary { margin-bottom: 12px; }\n.alpha-tool details.at-adv .at-advgrid { display: grid; gap: 14px; }\n.alpha-tool .at-result { padding: 16px 18px; display: grid; gap: 14px; align-content: start; min-width: 0; }\n.alpha-tool .at-answer { font-size: 18px; font-weight: 700; line-height: 1.5; margin: 0; }\n.alpha-tool .at-answer b { color: var(--at-blue); font-variant-numeric: tabular-nums; }\n.alpha-tool .at-answer.warn b { color: var(--at-warn); }\n.alpha-tool .at-kpis { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 10px; }\n.alpha-tool .at-kpi { background: var(--at-soft); border-radius: 8px; padding: 10px 12px; }\n.alpha-tool .at-kpi span { display: block; font-size: 13px; color: var(--at-muted); }\n.alpha-tool .at-kpi strong { display: block; font-size: 19px; font-variant-numeric: tabular-nums; }\n.alpha-tool .at-chart svg { width: 100%; height: auto; 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}\n  function readState(name, defs) {\n    var v = {}, saved = {};\n    try { saved = JSON.parse(localStorage.getItem(storeKey(name)) || '{}'); } catch (e) { saved = {}; }\n    var q = new URLSearchParams(window.location.search);\n    defs.forEach(function (f) {\n      var key = 'at_' + name.replace(\/-\/g, '') + '_' + f.key;\n      var raw = q.has(key) ? q.get(key) : (saved[f.key] !== undefined ? saved[f.key] : null);\n      if (raw === null || raw === '') { v[f.key] = f.default; return; }\n      if (f.type === 'select') { v[f.key] = f.options.some(function (o) { return String(o[0]) === String(raw); }) ? (isNaN(raw) ? raw : Number(raw)) : f.default; return; }\n      var n = Number(raw);\n      v[f.key] = isNaN(n) ? f.default : clamp(n, f.min !== undefined ? f.min : -Infinity, f.max !== undefined ? f.max : Infinity);\n    });\n    return v;\n  }\n  var saveTimer = {};\n  function saveState(name, v) {\n    clearTimeout(saveTimer[name]);\n    saveTimer[name] = setTimeout(function () {\n      try { localStorage.setItem(storeKey(name), JSON.stringify(v)); } catch (e) { \/* \u79c1\u5bc6\u6a21\u5f0f\u7b49\uff0c\u7565\u904e *\/ }\n      try {\n        var u = new URL(window.location.href);\n        Object.keys(v).forEach(function (k) { if (v[k] !== null && v[k] !== '') { u.searchParams.set('at_' + name.replace(\/-\/g, '') + '_' + k, v[k]); } });\n        window.history.replaceState(null, '', u.toString());\n      } catch (e) { \/* \u820a\u700f\u89bd\u5668\u7565\u904e *\/ }\n    }, 400);\n  }\n  \/\/ \u7522\u751f\u300c\u5e36\u8457\u9019\u7d44\u6578\u5b57\u6253\u958b\u53e6\u4e00\u652f\u5de5\u5177\u300d\u7684\u7db2\u5740\uff08\u4f8b\uff1a\u52de\u4fdd \u2192 \u9000\u4f11\u7f3a\u53e3\uff09\n  AT.linkTo = function (baseUrl, name, values) {\n    try {\n      var u = new URL(baseUrl, window.location.href);\n      Object.keys(values).forEach(function (k) { u.searchParams.set('at_' + name.replace(\/-\/g, '') + '_' + k, values[k]); });\n      return u.toString();\n    } catch (e) { return baseUrl; }\n  };\n\n  \/\/ ---------- \u6b04\u4f4d ----------\n  function fieldHtml(name, f, val) {\n    var id = 'at-' + name + '-' + f.key;\n    var h = '<div class=\"at-field\"><label for=\"' + id + '\">' + esc(f.label) + '<\/label>';\n    if (f.type === 'select') {\n      h += '<div class=\"at-inputrow\"><select id=\"' + id + '\" data-key=\"' + f.key + '\">' +\n        f.options.map(function (o) { return '<option value=\"' + esc(o[0]) + '\"' + (String(o[0]) === String(val) ? ' selected' : '') + '>' + esc(o[1]) + '<\/option>'; }).join('') +\n        '<\/select><\/div>';\n    } else {\n      h += '<div class=\"at-inputrow\"><input id=\"' + id + '\" data-key=\"' + f.key + '\" type=\"number\" inputmode=\"decimal\" value=\"' + val + '\"' +\n        (f.min !== undefined ? ' min=\"' + f.min + '\"' : '') + (f.max !== undefined ? ' max=\"' + f.max + '\"' : '') +\n        ' step=\"' + (f.step || 1) + '\">' + (f.unit ? '<span class=\"at-unit\">' + esc(f.unit) + '<\/span>' : '') + '<\/div>';\n      if (f.range) {\n        h += '<input type=\"range\" data-key=\"' + f.key + '\" data-range=\"1\" aria-label=\"' + esc(f.label) + '\" value=\"' + val + '\" min=\"' + f.min + '\" max=\"' + f.max + '\" step=\"' + (f.step || 1) + '\">';\n      }\n    }\n    if (f.hint) { h += '<div class=\"at-hint\">' + f.hint + '<\/div>'; }\n    return h + '<\/div>';\n  }\n\n  \/\/ ---------- \u7d50\u679c\u5340\u5c0f\u5143\u4ef6 ----------\n  var ui = {\n    fmt: fmt, wan: wan, esc: esc, pct: pct,\n    kpis: function (items) {\n      return '<div class=\"at-kpis\">' + items.map(function (it) { return '<div class=\"at-kpi\"><span>' + esc(it[0]) + '<\/span><strong>' + it[1] + '<\/strong><\/div>'; }).join('') + '<\/div>';\n    },\n    table: function (head, rows, hlIndex) {\n      return '<div class=\"at-tablewrap\"><table class=\"at-table\"><thead><tr>' + head.map(function (h) { return '<th>' + esc(h) + '<\/th>'; }).join('') +\n        '<\/tr><\/thead><tbody>' + rows.map(function (r, i) { return '<tr' + (i === hlIndex ? ' class=\"at-hl\"' : '') + '>' + r.map(function (c) { return '<td>' + c + '<\/td>'; }).join('') + '<\/tr>'; }).join('') +\n        '<\/tbody><\/table><\/div>';\n    },\n    \/\/ \u6c34\u5e73\u5806\u758a\u9577\u689d\uff1arows = [{label, parts:[{v, color, name}]}]\uff0c\u540c\u4e00\u523b\u5ea6\n    bars: function (rows, opt) {\n      opt = opt || {};\n      var max = 0;\n      rows.forEach(function (r) { var s = r.parts.reduce(function (a, p) { return a + Math.max(0, p.v); }, 0); max = Math.max(max, s); });\n      max = max || 1;\n      var W = 600, rowH = 38, labelW = 96, H = rows.length * rowH + 8;\n      var svg = '<svg viewBox=\"0 0 ' + W + ' ' + H + '\" role=\"img\" aria-label=\"' + esc(opt.aria || '') + '\">';\n      rows.forEach(function (r, i) {\n        var y = 6 + i * rowH, x = labelW;\n        svg += '<text x=\"0\" y=\"' + (y + 19) + '\" font-size=\"17\" fill=\"#5d6876\">' + esc(r.label) + '<\/text>';\n        r.parts.forEach(function (p) {\n          var w = Math.max(0, p.v) \/ max * (W - labelW - 70);\n          if (w > 0) { svg += '<rect class=\"at-bar\" x=\"' + x + '\" y=\"' + y + '\" width=\"' + w.toFixed(1) + '\" height=\"26\" rx=\"3\" fill=\"' + p.color + '\"><title>' + esc(p.name + ' ' + fmt(p.v)) + '<\/title><\/rect>'; }\n          x += w;\n        });\n        var total = r.parts.reduce(function (a, p) { return a + Math.max(0, p.v); }, 0);\n        svg += '<text x=\"' + (x + 6) + '\" y=\"' + (y + 19) + '\" font-size=\"17\" fill=\"#1d2733\" font-weight=\"600\">' + fmt(total) + '<\/text>';\n      });\n      svg += '<\/svg>';\n      var leg = opt.legend ? '<div class=\"at-legend\">' + opt.legend.map(function (l) { return '<span><i style=\"background:' + l[1] + '\"><\/i>' + esc(l[0]) + '<\/span>'; }).join('') + '<\/div>' : '';\n      return '<div class=\"at-chart\">' + svg + leg + '<\/div>';\n    },\n    next: function (text, btns, fill) {\n      return '<div class=\"at-next\"><p>' + text + '<\/p><div class=\"at-btns\">' + btns.map(function (b) {\n        return '<a class=\"at-btn ' + (b.cls || '') + '\" href=\"' + esc(b.href) + '\" target=\"_blank\" rel=\"noopener\" data-at-cta=\"' + esc(b.cta) + '\">' + esc(b.text) + '<\/a>';\n      }).join('') + '<\/div>' + (fill ? '<p class=\"at-fill\">' + fill + '<\/p>' : '') + '<\/div>';\n    }\n  };\n  AT.ui = ui;\n\n  \/\/ ---------- \u639b\u8f09 ----------\n  AT.register = function (name, def) { tools[name] = def; if (document.readyState !== 'loading') { setTimeout(function () { AT.mountAll(); }, 0); } };\n\n  function mount(el) {\n    var name = el.getAttribute('data-alpha-tool');\n    var def = tools[name];\n    if (!def || el.getAttribute('data-at-ready')) { return; }\n    el.setAttribute('data-at-ready', '1');\n    var all = (def.fields || []).concat(def.adv || []);\n    var v = readState(name, all);\n    var started = false, lastSent = 0, resultTimer = null;\n\n    el.innerHTML =\n      '<div class=\"at-head\"><p class=\"at-title\">' + esc(def.title) + '<\/p>' + (def.sub ? '<p class=\"at-sub\">' + def.sub + '<\/p>' : '') + '<\/div>' +\n      '<div class=\"at-body\"><div class=\"at-form\">' +\n      (def.fields || []).map(function (f) { return fieldHtml(name, f, v[f.key]); }).join('') +\n      ((def.adv && def.adv.length) ? '<details class=\"at-adv\"><summary>\u9032\u968e\u8a2d\u5b9a<\/summary><div class=\"at-advgrid\">' + def.adv.map(function (f) { return fieldHtml(name, f, v[f.key]); }).join('') + '<\/div><\/details>' : '') +\n      '<\/div><div class=\"at-result\" aria-live=\"polite\"><\/div><\/div>' +\n      (def.how ? '<details class=\"at-how\"><summary>\u600e\u9ebc\u7b97\u7684\uff08\u516c\u5f0f\u3001\u6cd5\u6e90\u8207\u8cc7\u6599\u65e5\u671f\uff09<\/summary>' + def.how(P) + '<\/details>' : '') +\n      '<div class=\"at-disc\">' + esc(P.disclaimer || '') + '<\/div>';\n\n    var out = el.querySelector('.at-result');\n    function run(fromUser) {\n      var r;\n      try { r = def.compute(v, P); } catch (e) { out.innerHTML = '<p>\u9019\u7d44\u6578\u5b57\u7b97\u4e0d\u51fa\u4f86\uff0c\u8acb\u6aa2\u67e5\u8f38\u5165\u3002<\/p>'; return; }\n      out.innerHTML = def.render(r, v, P, ui);\n      if (fromUser) {\n        saveState(name, v);\n        clearTimeout(resultTimer);\n        resultTimer = setTimeout(function () {\n          var now = Date.now();\n          if (now - lastSent > 10000) { lastSent = now; send('tool_result', Object.assign({ tool_name: name }, def.summary ? def.summary(r, v) : {})); }\n        }, 1500);\n      }\n    }\n    function onInput(e) {\n      var t = e.target, key = t.getAttribute('data-key');\n      if (!key) { return; }\n      var f = all.filter(function (x) { return x.key === key; })[0];\n      var val = f.type === 'select' ? (isNaN(t.value) || t.value === '' ? t.value : Number(t.value)) : Number(t.value);\n      if (f.type !== 'select') {\n        if (t.value === '' || isNaN(val)) { return; }\n        if (e.type === 'change') { val = clamp(val, f.min, f.max); }\n        else if (val < f.min || val > f.max) { return; }\n      }\n      v[key] = val;\n      \/\/ \u6578\u5b57\u6846\u8207\u6ed1\u687f\u540c\u6b65\n      el.querySelectorAll('[data-key=\"' + key + '\"]').forEach(function (x) { if (x !== t) { x.value = val; } });\n      if (e.type === 'change' && f.type !== 'select') { t.value = val; }\n      if (!started) { started = true; send('tool_start', { tool_name: name }); }\n      run(true);\n    }\n    el.addEventListener('input', onInput);\n    el.addEventListener('change', onInput);\n    el.addEventListener('click', function (e) {\n      var a = e.target.closest ? e.target.closest('[data-at-cta]') : null;\n      if (a) { send('tool_cta', { tool_name: name, cta_name: a.getAttribute('data-at-cta'), link_url: a.href }); }\n    });\n    run(false);\n  }\n  AT.mountAll = function () { document.querySelectorAll('[data-alpha-tool]').forEach(mount); };\n  if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', AT.mountAll); }\n  else { setTimeout(AT.mountAll, 0); }\n})();\n<\/script>\n<script>\/* \u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u6708\u9000\u8a66\u7b97\uff08alpha-tools\uff09\u3002\u516c\u5f0f\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1 \u689d\uff0cA \u5f0f\u3001B \u5f0f\u64c7\u512a\uff1b\u7b2c 58 \u689d\u8acb\u9818\u5e74\u9f61\u8207\u63d0\u524d\u6e1b\u7d66\u3001\u5ef6\u5f8c\u589e\u7d66\u3002 *\/\n(function () {\n  'use strict';\n  var AT = window.AlphaTools;\n\n  \/\/ \u4f9d\u5206\u7d1a\u8868\u628a\u6708\u85aa\u5c0d\u5230\u6708\u6295\u4fdd\u85aa\u8cc7\uff08\u5168\u6642\u5de5\u4f5c\u8005 29,500\uff5e45,800\uff09\n  AT.calc.laobaoInsured = function (salary, P) {\n    var g = P.laobao.grades;\n    for (var i = 0; i < g.length; i++) { if (salary <= g[i]) { return g[i]; } }\n    return g[g.length - 1];\n  };\n  \/\/ \u56de\u50b3 { eligible, a, b, base, adj, monthly, formula }\n  AT.calc.laobao = function (avg, years, age, P) {\n    var L = P.laobao;\n    var a = avg * years * L.rateA + L.fixedA;\n    var b = avg * years * L.rateB;\n    var base = Math.max(a, b);\n    var diff = AT.util.clamp(age - L.legalAge, -L.maxAdjYears, L.maxAdjYears);\n    var adj = 1 + diff * L.adjPerYear;\n    return { eligible: years >= L.minYears, a: Math.round(a), b: Math.round(b), base: Math.round(base), adj: adj,\n             monthly: years >= L.minYears ? Math.round(base * adj) : 0, formula: b >= a ? 'B' : 'A' };\n  };\n\n  var P0 = AT.params.laobao || {};\n  AT.register('laobao', {\n    title: '\u52de\u4fdd\u6708\u9000\u8a66\u7b97',\n    sub: '\u8f38\u5165\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u3001\u5e74\u8cc7\u548c\u5e7e\u6b72\u8acb\u9818\uff0c\u99ac\u4e0a\u770b\u6bcf\u6708\u80fd\u9818\u591a\u5c11\uff08A \u5f0f\u3001B \u5f0f\u81ea\u52d5\u64c7\u512a\uff09',\n    fields: [\n      { key: 'avg', label: '\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7', default: 45800, min: 11100, max: P0.maxInsured || 45800, step: 100, unit: '\u5143',\n        hint: '\u52a0\u4fdd\u671f\u9593\u6700\u9ad8 60 \u500b\u6708\u7684\u5e73\u5747\uff1b\u5168\u6642\u5de5\u4f5c\u8005\u6700\u9ad8 45,800 \u5143\u3002\u4e0d\u78ba\u5b9a\u5c31\u7528\u76ee\u524d\u6708\u85aa\u5c0d\u61c9\u7684\u7d1a\u8ddd' },\n      { key: 'years', label: '\u52de\u4fdd\u5e74\u8cc7', default: 30, min: 1, max: 50, step: 1, unit: '\u5e74', range: true },\n      { key: 'age', label: '\u5e7e\u6b72\u958b\u59cb\u9818', default: 65, min: 60, max: 70, step: 1, unit: '\u6b72', range: true,\n        hint: '65 \u6b72\u5168\u984d\uff1b\u6bcf\u63d0\u524d 1 \u5e74\u5c11 4%\uff0c\u6bcf\u5ef6\u5f8c 1 \u5e74\u591a 4%\uff08\u6700\u591a 5 \u5e74\uff09' }\n    ],\n    compute: function (v, P) {\n      var r = AT.calc.laobao(v.avg, v.years, v.age, P);\n      r.rows = [];\n      for (var age = 60; age <= 70; age += 1) {\n        if (age === 60 || age === 62 || age === 65 || age === 67 || age === 70 || age === v.age) {\n          var x = AT.calc.laobao(v.avg, v.years, age, P);\n          if (!r.rows.some(function (q) { return q.age === age; })) { r.rows.push({ age: age, m: x.monthly }); }\n        }\n      }\n      r.rows.sort(function (p, q) { return p.age - q.age; });\n      r.perYear = Math.round(v.avg * P.laobao.rateB);\n      return r;\n    },\n    summary: function (r, v) { return { tool_band: r.monthly >= 20000 ? '2\u842c\u4ee5\u4e0a' : r.monthly >= 10000 ? '1-2\u842c' : '1\u842c\u4ee5\u4e0b' }; },\n    render: function (r, v, P, ui) {\n      if (!r.eligible) {\n        return '<p class=\"at-answer warn\">\u52de\u4fdd\u5e74\u8cc7 <b>' + v.years + ' \u5e74<\/b>\uff0c\u672a\u6eff 15 \u5e74\u4e0d\u80fd\u9818\u6708\u9000\uff08\u8001\u5e74\u5e74\u91d1\uff09\uff0c\u53ea\u80fd\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u3002<\/p>' +\n          ui.next('\u60f3\u77e5\u9053\u4e00\u6b21\u9818\u80fd\u62ff\u591a\u5c11\u3001\u9084\u8981\u88dc\u5e7e\u5e74\u624d\u80fd\u6708\u9818\uff1f', [\n            { text: '\u770b\u52de\u4fdd\u5e74\u8cc7\u8207\u4e00\u6b21\u9818\u898f\u5b9a', href: 'https:\/\/blog.roboadvisor.com.tw\/?p=13164', cta: 'laobao_rule', cls: 'at-ghost' }]);\n      }\n      var gapUrl = AT.linkTo(P.links.gapArticle, 'retire-gap', { retire: v.age });\n      var sel = r.rows.map(function (q) { return q.age; }).indexOf(v.age);\n      return '<p class=\"at-answer\">' + v.age + ' \u6b72\u958b\u59cb\u9818\uff0c\u6bcf\u6708\u7d04 <b>' + ui.fmt(r.monthly) + ' \u5143<\/b>' +\n        (v.age !== 65 ? '\uff0865 \u6b72\u5168\u984d ' + ui.fmt(r.base) + ' \u5143\u7684 ' + Math.round(r.adj * 100) + '%\uff09' : '') + '\u3002<\/p>' +\n        ui.kpis([['A \u5f0f', ui.fmt(r.a) + ' \u5143'], ['B \u5f0f', ui.fmt(r.b) + ' \u5143'], ['\u63a1\u7528', r.formula + ' \u5f0f'], ['\u6bcf\u591a 1 \u5e74\u5e74\u8cc7', '+' + ui.fmt(r.perYear) + ' \u5143\uff0f\u6708']]) +\n        ui.bars(r.rows.map(function (q) { return { label: q.age + ' \u6b72\u9818', parts: [{ v: q.m, color: q.age === v.age ? '#006ece' : '#9cc8f0', name: '\u6bcf\u6708' }] }; }),\n          { aria: '\u4e0d\u540c\u8acb\u9818\u5e74\u9f61\u7684\u6bcf\u6708\u52de\u4fdd\u5e74\u91d1' }) +\n        ui.next('\u52de\u4fdd\u53ea\u662f\u9000\u4f11\u6536\u5165\u7684\u4e00\u584a\u3002\u52a0\u4e0a\u52de\u9000\u5c08\u6236\uff0c\u548c\u4f60\u6bcf\u6708\u60f3\u82b1\u7684\u9322\u6bd4\u4e00\u6bd4\uff0c\u5c31\u77e5\u9053\u9084\u5dee\u591a\u5c11\u3002',\n          [{ text: '\u52a0\u4e0a\u52de\u9000\uff0c\u7b97\u6211\u7684\u9000\u4f11\u7f3a\u53e3', href: gapUrl, cta: 'to_gap' },\n           { text: '\u52a0 LINE\uff0c\u9867\u554f\u5e6b\u4f60\u770b', href: P.links.line, cta: 'line', cls: 'at-line' }]);\n    },\n    how: function (P) {\n      var L = P.laobao;\n      return '<ul><li>A \u5f0f\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 0.775% \uff0b 3,000 \u5143\uff1bB \u5f0f\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%\uff0c\u5169\u5f0f\u53d6\u9ad8\u3002<\/li>' +\n        '<li>\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61 ' + L.legalAge + ' \u6b72\uff1b\u6bcf\u63d0\u524d 1 \u5e74\u6e1b\u7d66 4%\u3001\u6bcf\u5ef6\u5f8c 1 \u5e74\u589e\u7d66 4%\uff0c\u6700\u591a\u5404 5 \u5e74\u3002<\/li>' +\n        '<li>\u5e74\u8cc7\u672a\u6eff 15 \u5e74\u4e0d\u80fd\u8acb\u9818\u8001\u5e74\u5e74\u91d1\uff0c\u53ea\u80fd\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u3002<\/li>' +\n        '<li>2026 \u5e74\u5168\u6642\u5de5\u4f5c\u8005\u6708\u6295\u4fdd\u85aa\u8cc7 29,500\uff5e45,800 \u5143\uff0c\u5171 11 \u7d1a\u3002<\/li>' +\n        '<li>\u6c92\u6709\u8a08\u5165\u5e74\u91d1\u6bcf\u5e74\u4f9d\u7269\u50f9\u8abf\u6574\uff0c\u4e5f\u6c92\u6709\u8a08\u5165 2008 \u5e74\u4ee5\u524d\u5e74\u8cc7\u53ef\u9078\u64c7\u7684\u4e00\u6b21\u8acb\u9818\u3002<\/li><\/ul>' +\n        '<p>\u6cd5\u6e90\uff1a' + L.source + '\u3002\u8cc7\u6599\u622a\u81f3 ' + P.asof + '\u3002<\/p>';\n    }\n  });\n})();\n<\/script>\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u7b97\u5230\u9019\u88e1\uff0c\u6703\u63a5\u8457\u5192\u51fa\u5169\u500b\u5ff5\u982d\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u500b\u662f\uff1a\u6211\u6708\u85aa 8 \u842c\u5143\uff0c\u70ba\u4ec0\u9ebc\u53ea\u7b97 45,800 \u5143\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\u500b\u662f\uff1a\u90a3\u6211\u9000\u4f11\u524d\u4e94\u5e74\u628a\u6295\u4fdd\u85aa\u8cc7\u62c9\u9ad8\uff0c\u662f\u4e0d\u662f\u5c31\u80fd\u591a\u9818\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u500b\u662f\u5c0d\u7684\uff0c\u7b2c\u4e8c\u500b\u662f\u5f88\u591a\u4eba\u8aa4\u6703\u7684\u5730\u65b9\uff08\u52de\u4fdd\u770b\u7684\u662f\u4f60\u6295\u4fdd\u671f\u9593\u6700\u9ad8\u7684 60 \u500b\u6708\uff0c\u4e0d\u662f\u6700\u5f8c 60 \u500b\u6708\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4eca\u5e74\u4f86\u67e5\u9019\u4ef6\u4e8b\u7684\u4eba\u4e5f\u7279\u5225\u591a\uff0c2026 \u5e74 1 \u6708 1 \u65e5\u8d77\uff0c\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u7684\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\u5168\u9762\u5230\u4e86 65 \u6b72<sup>[1]<\/sup>\uff0c2009 \u5e74\u52de\u4fdd\u5e74\u91d1\u4e0a\u8def\u6642\u6392\u597d\u7684\u6642\u9593\u8868\uff0c\u8d70\u4e86 17 \u5e74\u624d\u8d70\u5b8c\uff1b\u540c\u4e00\u5929\uff0c\u52de\u4fdd\u6295\u4fdd\u85aa\u8cc7\u5206\u7d1a\u8868\u7684\u7b2c 1 \u7d1a\u8abf\u6210 29,500 \u5143\uff0c\u6700\u9ad8\u4e00\u7d1a\u5247\u7dad\u6301 45,800 \u5143<sup>[2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">5 \u6708\u53c8\u6709\u7d04 76 \u842c\u540d\u52de\u4fdd\u5e74\u91d1\u9818\u53d6\u8005\u4f9d\u7269\u50f9\u8abf\u9ad8 6.46%<sup>[3]<\/sup>\uff0c\u5e74\u521d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u4e5f\u628a\u300c\u4e2d\u592e\u653f\u5e9c\u8ca0\u6700\u5f8c\u652f\u4ed8\u8cac\u4efb\u300d\u5beb\u9032\u689d\u6587<sup>[4]<\/sup>\uff0c\u4e0d\u5c11\u4eba\u662f\u770b\u5230\u65b0\u805e\uff0c\u624d\u7b2c\u4e00\u6b21\u8a8d\u771f\u7b97\u81ea\u5df1\u80fd\u9818\u591a\u5c11\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6253\u500b\u6bd4\u65b9\uff0c\u52de\u4fdd\u5e74\u91d1\u5f88\u50cf\u4e00\u6b3e\u6709\u7b49\u7d1a\u4e0a\u9650\u7684\u904a\u6232\uff1a\u6295\u4fdd\u85aa\u8cc7\u662f\u89d2\u8272\u7b49\u7d1a\uff0c\u6700\u9ad8\u53ea\u80fd\u7df4\u5230\u7b2c 11 \u7d1a\uff0845,800 \u5143\uff09\uff0c\u5e74\u8cc7\u662f\u7d93\u9a57\u503c\uff0c\u6bcf\u591a\u4e00\u5e74\u5c31\u591a\u4e00\u683c\uff0c\u7cfb\u7d71\u6700\u5f8c\u7d50\u7b97\u6642\uff0c\u6703\u6311\u4f60\u7b49\u7d1a\u6700\u9ad8\u7684 60 \u500b\u6708\u4f86\u7b97\u6230\u529b\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u6700\u9ad8\u6295\u4fdd\u85aa\u8cc7\u662f\u591a\u5c11\uff1f\u70ba\u4ec0\u9ebc\u6708\u85aa\u518d\u9ad8\u4e5f\u53ea\u7b97 45,800 \u5143<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u662f\u793e\u6703\u4fdd\u96aa\uff08social insurance\uff09\uff0c\u4fdd\u8cbb\u548c\u7d66\u4ed8\u90fd\u4e0d\u662f\u7528\u4f60\u7684\u5be6\u969b\u6708\u85aa\uff0c\u800c\u662f\u7528\u300c\u6708\u6295\u4fdd\u85aa\u8cc7\u300d\uff1a\u96c7\u4e3b\u4f9d\u4f60\u7684\u6708\u85aa\u8cc7\u7e3d\u984d\uff0c\u5c0d\u5230\u52de\u52d5\u90e8\u516c\u544a\u7684\u300a\u52de\u5de5\u4fdd\u96aa\u6295\u4fdd\u85aa\u8cc7\u5206\u7d1a\u8868\u300b\u4e0a\u7684\u67d0\u4e00\u7d1a\u53bb\u7533\u5831\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74\u7684\u5206\u7d1a\u8868\uff0c\u4e00\u822c\u5168\u6642\u5de5\u4f5c\u8005\u5f9e 29,500 \u5143\u5230 45,800 \u5143\u5171 11 \u7d1a\uff1b\u539f\u672c 28,800 \u5143\u90a3\u4e00\u7d1a\u522a\u9664\uff0c\u5176\u9918\u91d1\u984d\u6c92\u6709\u6539<sup>[2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6708\u85aa\u8cc7\u7e3d\u984d 43,901 \u5143\u4ee5\u4e0a\uff0c\u4e0d\u8ad6 5 \u842c\u30018 \u842c\u9084\u662f 20 \u842c\uff0c\u52de\u4fdd\u90fd\u4ee5 45,800 \u5143\u6295\u4fdd\uff0c\u9019\u5c31\u662f\u300c\u6700\u9ad8\u7d1a\u8ddd\u300d\u7684\u610f\u601d\uff1a\u6295\u4fdd\u85aa\u8cc7\u5230\u7b2c 11 \u7d1a\u5c31\u5c01\u9802\uff0c\u6708\u85aa\u518d\u5f80\u4e0a\u8abf\uff0c\u52de\u4fdd\u7684\u4fdd\u8cbb\u548c\u7d66\u4ed8\u90fd\u4e0d\u6703\u518d\u589e\u52a0\uff08\u85aa\u6c34\u66f4\u9ad8\u7684\u4eba\uff0c\u8077\u696d\u707d\u5bb3\u4fdd\u96aa\u7684\u4e0a\u9650\u53e6\u5916\u662f 72,800 \u5143\uff0c\u90a3\u662f\u53e6\u4e00\u5957\u4fdd\u96aa\uff0c\u8ddf\u8001\u5e74\u7d66\u4ed8\u7121\u95dc\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u5de5\u6642\u3001\u6708\u85aa\u4e0d\u5230 29,500 \u5143\u7684\u4eba\uff0c\u9084\u6709 11,100 \u5143\u5230 28,590 \u5143\u7684\u8f03\u4f4e\u7d1a\u8ddd<sup>[5]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4fdd\u8cbb\u4e5f\u8ddf\u8457\u7d1a\u8ddd\u8d70\uff1a2026 \u5e74\u7684\u52de\u4fdd\u666e\u901a\u4e8b\u6545\u4fdd\u96aa\u8cbb\u7387\u662f 12.5%\uff0c\u5176\u4e2d 1% \u4f9d\u300a\u5c31\u696d\u4fdd\u96aa\u6cd5\u300b\u6539\u7e73\u5c31\u696d\u4fdd\u96aa\uff0c\u6240\u4ee5\u8868\u4e0a\u662f\u666e\u901a\u4e8b\u6545 11.5% \u52a0\u5c31\u696d\u4fdd\u96aa 1%\uff1b\u52de\u5de5\u81ea\u4ed8 20%\uff0c\u96c7\u4e3b 70%\uff0c\u653f\u5e9c 10%<sup>[5]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8868 1\u30002026 \u5e74\u52de\u4fdd\u6295\u4fdd\u85aa\u8cc7\u5404\u7d1a\u8207\u52de\u5de5\u6bcf\u6708\u81ea\u4ed8\u4fdd\u8cbb<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u7b49\u7d1a<\/th>\n<th>\u6708\u85aa\u8cc7\u7e3d\u984d<\/th>\n<th>\u6708\u6295\u4fdd\u85aa\u8cc7<\/th>\n<th>\u52de\u5de5\u6bcf\u6708\u81ea\u4ed8\uff08\u666e\u901a\u4e8b\u6545\uff0b\u5c31\u696d\u4fdd\u96aa\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u7b2c 1 \u7d1a<\/td>\n<td>29,500 \u5143\u4ee5\u4e0b<\/td>\n<td>29,500 \u5143<\/td>\n<td>679\uff0b59\uff1d738 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 2 \u7d1a<\/td>\n<td>29,501\uff5e30,300 \u5143<\/td>\n<td>30,300 \u5143<\/td>\n<td>697\uff0b61\uff1d758 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 3 \u7d1a<\/td>\n<td>30,301\uff5e31,800 \u5143<\/td>\n<td>31,800 \u5143<\/td>\n<td>731\uff0b64\uff1d795 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 4 \u7d1a<\/td>\n<td>31,801\uff5e33,300 \u5143<\/td>\n<td>33,300 \u5143<\/td>\n<td>766\uff0b67\uff1d833 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 5 \u7d1a<\/td>\n<td>33,301\uff5e34,800 \u5143<\/td>\n<td>34,800 \u5143<\/td>\n<td>800\uff0b70\uff1d870 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 6 \u7d1a<\/td>\n<td>34,801\uff5e36,300 \u5143<\/td>\n<td>36,300 \u5143<\/td>\n<td>835\uff0b73\uff1d908 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 7 \u7d1a<\/td>\n<td>36,301\uff5e38,200 \u5143<\/td>\n<td>38,200 \u5143<\/td>\n<td>879\uff0b76\uff1d955 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 8 \u7d1a<\/td>\n<td>38,201\uff5e40,100 \u5143<\/td>\n<td>40,100 \u5143<\/td>\n<td>922\uff0b80\uff1d1,002 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 9 \u7d1a<\/td>\n<td>40,101\uff5e42,000 \u5143<\/td>\n<td>42,000 \u5143<\/td>\n<td>966\uff0b84\uff1d1,050 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 10 \u7d1a<\/td>\n<td>42,001\uff5e43,900 \u5143<\/td>\n<td>43,900 \u5143<\/td>\n<td>1,010\uff0b88\uff1d1,098 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u7b2c 11 \u7d1a<\/td>\n<td>43,901 \u5143\u4ee5\u4e0a<\/td>\n<td>45,800 \u5143<\/td>\n<td>1,053\uff0b92\uff1d1,145 \u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u52de\u5de5\u4fdd\u96aa\u666e\u901a\u4e8b\u6545\u4fdd\u96aa\u8cbb\u3001\u5c31\u696d\u4fdd\u96aa\u8cbb\u53ca\u8077\u696d\u707d\u5bb3\u4fdd\u96aa\u8cbb\u5206\u64d4\u91d1\u984d\u8868\u3009\uff08\u81ea 2026 \u5e74 1 \u6708 1 \u65e5\u8d77\u9069\u7528\uff09<sup>[5]<\/sup>\uff1b\u90e8\u5206\u5de5\u6642\u7b49\u8f03\u4f4e\u7d1a\u8ddd\u672a\u5217<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u6700\u9ad8\u7d1a\u8ddd\u9a57\u7b97\u4e00\u6b21\uff1a45,800\u00d711.5%\u00d720%\u22481,053 \u5143\uff0c45,800\u00d71%\u00d720%\u224892 \u5143\uff0c\u5408\u8a08\u6bcf\u6708 1,145 \u5143\uff0c\u6708\u85aa 8 \u842c\u5143\u7684\u4eba\u4e5f\u662f\u81ea\u4ed8\u9019\u500b\u6578\uff0c\u9000\u4f11\u6642\u4e5f\u662f\u7528 45,800 \u5143\u53bb\u7b97\uff08\u9019\u662f\u516c\u5e73\u7684\u5169\u9762\uff1a\u4fdd\u8cbb\u6709\u4e0a\u9650\uff0c\u7d66\u4ed8\u4e5f\u6709\u4e0a\u9650\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709\u4e00\u7a2e\u60c5\u6cc1\u8981\u7559\u610f\uff1a\u6708\u85aa\u660e\u660e 5 \u842c\u5143\uff0c\u6295\u4fdd\u85aa\u8cc7\u537b\u88ab\u5831\u6210 3 \u842c\u591a\uff0c\u4e5f\u5c31\u662f\u300c\u9ad8\u85aa\u4f4e\u5831\u300d\uff0c\u6295\u4fdd\u85aa\u8cc7\u76f4\u63a5\u4e58\u9032\u5e74\u91d1\u516c\u5f0f\uff0c\u88ab\u4f4e\u5831\u591a\u5c11\uff0c\u5c07\u4f86\u7684\u5e74\u91d1\u5c31\u8ddf\u8457\u5c11\u591a\u5c11\uff0c\u6240\u4ee5\u6bcf\u9694\u4e00\u6bb5\u6642\u9593\uff0c\u503c\u5f97\u81ea\u5df1\u4e0a\u52de\u4fdd\u5c40\u67e5\u4e00\u6b21\u6295\u4fdd\u7d00\u9304\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u9000\u4f11\u91d1\u8a66\u7b97\uff1a\u6708\u9000\u516c\u5f0f A \u5f0f\u3001B \u5f0f\u600e\u9ebc\u7b97\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u6708\u9000\u8a66\u7b97\u53ea\u8981\u4e09\u500b\u6578\u5b57\uff0c\u7167\u9019\u500b\u9806\u5e8f\u6293\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u5148\u6293\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u4e5f\u5c31\u662f\u52a0\u4fdd\u671f\u9593\u6700\u9ad8 60 \u500b\u6708\u7684\u5e73\u5747\uff0c\u4e00\u8def\u6295\u4fdd\u5230\u9802\u7684\u4eba\u5c31\u662f 45,800 \u5143<\/li>\n<li>\u518d\u7b97\u5e74\u8cc7\uff0c\u5be6\u969b\u52a0\u4fdd\u7684\u5e74\u6578\u524d\u5f8c\u5408\u4f75\uff0c\u672a\u6eff 1 \u5e74\u6309\u6708\u6578\u6bd4\u4f8b\u8a08\u7b97<\/li>\n<li>\u6700\u5f8c\u770b\u8acb\u9818\u5e74\u9f61\uff0c65 \u6b72\u662f\u5168\u984d\uff0c\u6bcf\u63d0\u524d 1 \u5e74\u6e1b 4%\uff0c\u6bcf\u5ef6\u5f8c 1 \u5e74\u52a0 4%<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u4e09\u500b\u6578\u5b57\u5957\u9032\u516c\u5f0f\uff0c\u5c31\u662f\u6bcf\u6708\u7684\u52de\u4fdd\u5e74\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u7684\u516c\u5f0f\u5beb\u5728\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1 \u689d\uff0c\u5169\u5f0f\u64c7\u512a\u767c\u7d66<sup>[4]<\/sup>\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A \u5f0f\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 0.775% \uff0b 3,000 \u5143<\/p>\n<p>B \u5f0f\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5c40\u6703\u5169\u5f0f\u90fd\u7b97\uff0c\u767c\u7d66\u4f60\u8f03\u9ad8\u7684\u90a3\u4e00\u500b\uff0c\u4e0d\u9700\u8981\u81ea\u5df1\u9078<sup>[6]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">A \u5f0f\u591a\u4e86\u4e00\u7b46 3,000 \u5143\u7684\u56fa\u5b9a\u91d1\u984d\uff0c\u662f\u7d66\u6295\u4fdd\u85aa\u8cc7\u4f4e\u3001\u5e74\u8cc7\u77ed\u7684\u4eba\u4e00\u500b\u57fa\u672c\u4fdd\u969c\uff1bB \u5f0f\u6c92\u6709\u56fa\u5b9a\u91d1\u984d\uff0c\u4f46\u6bcf\u4e00\u5e74\u7684\u7d66\u4ed8\u7387\u662f A \u5f0f\u7684\u5169\u500d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u90a3\u4ec0\u9ebc\u6642\u5019 A \u5f0f\u6703\u6bd4\u8f03\u9ad8\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u628a\u5169\u5f0f\u76f8\u6e1b\u5c31\u77e5\u9053\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 0.775% \u5c0f\u65bc 3,000 \u5143\u6642\uff0cA \u5f0f\u52dd\u51fa\uff0c\u4e5f\u5c31\u662f\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7\u5c0f\u65bc\u7d04 387,097 \u5143\uff083,000\u00f70.775%\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8001\u5e74\u5e74\u91d1\u8981\u5e74\u8cc7\u6eff 15 \u5e74\u624d\u80fd\u9818\uff0c\u800c\u4e00\u822c\u5168\u6642\u5de5\u4f5c\u8005\u7684\u6700\u4f4e\u4e00\u7d1a\u662f 29,500 \u5143\uff0c29,500\u00d715\uff1d442,500 \u5143\uff0c\u5df2\u7d93\u8d85\u904e 387,097 \u5143\uff0c\u6240\u4ee5\u5c0d\u591a\u6578\u5168\u6642\u5de5\u4f5c\u7684\u4eba\u4f86\u8aaa\uff0cB \u5f0f\u4e00\u5b9a\u6bd4\u8f03\u9ad8\uff0cA \u5f0f\u4e3b\u8981\u662f\u7d66\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u504f\u4f4e\u7684\u4eba\uff0c\u4f8b\u5982\u9577\u671f\u90e8\u5206\u5de5\u6642\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 20,008 \u5143\u3001\u5e74\u8cc7 15 \u5e74\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>A \u5f0f\uff1a20,008\u00d715\u00d70.775%\uff0b3,000\u22485,326 \u5143<\/li>\n<li>B \u5f0f\uff1a20,008\u00d715\u00d71.55%\u22484,652 \u5143<\/li>\n<li>\u64c7\u512a\u767c\u7d66 A \u5f0f\uff0c\u6bcf\u6708 5,326 \u5143<\/li>\n<\/ul>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13072_A\u5f0fB\u5f0f\u4ea4\u53c9\u9ede.png\" alt=\"A \u5f0f\u8207 B \u5f0f\u52de\u4fdd\u5e74\u91d1\u96a8\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u4e58\u5e74\u8cc7\u8b8a\u5316\u7684\u6298\u7dda\u5716\uff0c\u5169\u7dda\u5728\u7d04 38.7 \u842c\u5143\u4ea4\u53c9\uff1b\u5e73\u5747 20,008 \u5143\u300115 \u5e74\u6642 A \u5f0f 5,326 \u5143\u8f03\u9ad8\uff0c\u6700\u4f4e\u4e00\u7d1a 29,500 \u5143\u300115 \u5e74\u6642 B \u5f0f 6,859 \u5143\u5df2\u8f03\u9ad8\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1 \u689d\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u8cc7\u7684\u7b97\u6cd5\u4e5f\u8981\u77e5\u9053\uff1a\u672a\u6eff 1 \u5e74\u7684\u90e8\u5206\uff0c\u4f9d\u5be6\u969b\u52a0\u4fdd\u6708\u6578\u6309\u6bd4\u4f8b\u8a08\u7b97\uff0c\u672a\u6eff 30 \u5929\u4ee5 1 \u500b\u6708\u8a08<sup>[6]<\/sup>\uff1b\u63db\u904e\u5e7e\u5bb6\u516c\u53f8\u6c92\u6709\u95dc\u4fc2\uff0c\u524d\u5f8c\u7684\u52de\u4fdd\u5e74\u8cc7\u6703\u5408\u4f75\u8a08\u7b97\uff0c\u8001\u5e74\u5e74\u91d1\u7684\u5e74\u8cc7\u4e5f\u6c92\u6709\u4e0a\u9650\uff0c\u505a 40 \u5e74\u5c31\u7b97 40 \u5e74\uff08\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u624d\u6709\u6708\u6578\u4e0a\u9650\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">B \u5f0f\u7684 1.55% \u63db\u6210\u91d1\u984d\uff0c\u4ee5 45,800 \u5143\u8a08\uff0c\u6bcf\u591a\u6295\u4fdd\u4e00\u5e74\uff0c\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u5c31\u591a 45,800\u00d71.55%\u2248710 \u5143\uff0c\u800c\u4e14\u662f\u7d42\u8eab\u9818\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u600e\u9ebc\u7b97\uff1f\u6700\u9ad8 60 \u500b\u6708\u662f\u54ea 60 \u500b\u6708<\/h2>\n\n<p class=\"wp-block-paragraph\">\u516c\u5f0f\u88e1\u7684\u300c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u300d\uff0c\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 19 \u689d\uff0c\u8001\u5e74\u5e74\u91d1\u548c\u8001\u5e74\u4e00\u6b21\u91d1\u90fd\u662f\u300c\u6309\u52a0\u4fdd\u671f\u9593\u6700\u9ad8 60 \u500b\u6708\u4e4b\u6708\u6295\u4fdd\u85aa\u8cc7\u4e88\u4ee5\u5e73\u5747\u300d\uff1b\u52a0\u4fdd\u672a\u6eff 5 \u5e74\u7684\u4eba\uff0c\u6309\u5be6\u969b\u6295\u4fdd\u671f\u9593\u5e73\u5747<sup>[4]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u91cd\u9ede\u5728\u300c\u6700\u9ad8\u300d\u5169\u500b\u5b57\uff1a\u7cfb\u7d71\u662f\u5f9e\u4f60\u6574\u6bb5\u6295\u4fdd\u7d00\u9304\u88e1\uff0c\u6311\u51fa\u6708\u6295\u4fdd\u85aa\u8cc7\u6700\u9ad8\u7684 60 \u500b\u6708\u4f86\u5e73\u5747\uff0c\u4e0d\u662f\u9000\u4f11\u524d\u7684\u6700\u5f8c 60 \u500b\u6708\uff0c\u9019 60 \u500b\u6708\u4e5f\u4e0d\u5fc5\u9023\u7e8c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u4e00\u500b 40 \u591a\u6b72\u6642\u5c31\u5df2\u7d93\u6295\u4fdd\u5230 45,800 \u5143\u6eff 5 \u5e74\u7684\u4eba\uff0c\u4e4b\u5f8c\u5c31\u7b97\u8f49\u8077\u3001\u6e1b\u85aa\u3001\u6295\u4fdd\u85aa\u8cc7\u8b8a\u4f4e\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u4e5f\u9084\u662f 45,800 \u5143\uff0c\u5f8c\u9762\u90a3\u5e7e\u5e74\u53ea\u662f\u7e7c\u7e8c\u7d2f\u7a4d\u5e74\u8cc7\u800c\u5df2\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u4e5f\u56de\u7b54\u4e86\u958b\u982d\u90a3\u500b\u5ff5\u982d\uff1a\u300c\u9000\u4f11\u524d\u4e94\u5e74\u628a\u6295\u4fdd\u85aa\u8cc7\u62c9\u9ad8\u300d\u9019\u4ef6\u4e8b\uff0c\u5c0d\u5df2\u7d93\u6709 60 \u500b\u6708\u5728\u6700\u9ad8\u7d1a\u8ddd\u7684\u4eba\u6c92\u6709\u4f5c\u7528\uff1b\u5c0d\u9084\u6c92\u6709\u7684\u4eba\uff0c\u62c9\u9ad8\u7684\u662f\u54ea\u4e94\u5e74\u90fd\u4e00\u6a23\uff0c\u4e0d\u5fc5\u523b\u610f\u64e0\u5728\u6700\u5f8c\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13072_\u6700\u9ad860\u500b\u6708.png\" alt=\"\u793a\u610f\u5716\uff1a\u4e00\u4f4d\u52de\u5de5 25 \u5230 65 \u6b72\u7684\u6708\u6295\u4fdd\u85aa\u8cc7\u968e\u68af\uff0c40 \u5230 45 \u6b72\u6295\u4fdd 45,800 \u5143\u7684 60 \u500b\u6708\u88ab\u6a19\u70ba\u63a1\u7528\u7684\u6700\u9ad8 60 \u500b\u6708\uff0c60 \u5230 65 \u6b72\u6e1b\u85aa\u5f8c\u7684\u6700\u5f8c 60 \u500b\u6708\u4e0d\u63a1\u7528\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\uff0c\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 19 \u689d\uff1b\u6295\u4fdd\u85aa\u8cc7\u70ba\u5047\u8a2d\u60c5\u5883<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u6700\u9ad8\u7684 60 \u500b\u6708\u88e1\uff0c\u6709 36 \u500b\u6708\u662f 45,800 \u5143\u300124 \u500b\u6708\u662f 43,900 \u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff1a\uff0836\u00d745,800\uff0b24\u00d743,900\uff09\u00f760\uff1d45,040 \u5143<\/li>\n<li>\u5e74\u8cc7 30 \u5e74\u300165 \u6b72\u8acb\u9818\uff1a45,040\u00d730\u00d71.55%\u224820,944 \u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u6bd4\u5168\u90e8 60 \u500b\u6708\u90fd\u662f 45,800 \u5143\u7684\u4eba\uff0821,297 \u5143\uff09\uff0c\u6bcf\u6708\u5c11\u7d04 353 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53ea\u6709\u4e00\u7a2e\u60c5\u6cc1\u6703\u6539\u770b\u300c\u6700\u5f8c\u300d\uff1a98 \u5e74\uff082009 \u5e74\uff09\u4ee5\u524d\u5c31\u6709\u52de\u4fdd\u5e74\u8cc7\u3001\u9078\u64c7\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u7684\u4eba\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u6539\u7528\u9000\u4fdd\u7576\u6708\u8d77\u524d 3 \u5e74\uff0836 \u500b\u6708\uff09\u7684\u5be6\u969b\u6708\u6295\u4fdd\u85aa\u8cc7\u5e73\u5747<sup>[4]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u91d1\u6bcf\u6708\u6708\u9818\u91d1\u5c0d\u7167\u8868\uff1a\u52de\u4fdd\u9000\u4f11\u91d1\u6708\u9818\u8a66\u7b97<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5728\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\uff082026 \u5e74\u8d77\u70ba 65 \u6b72\uff09\u8acb\u9818\uff0c2026 \u5e74\u5168\u90e8 11 \u7d1a\u6295\u4fdd\u85aa\u8cc7\u914d\u4e0a 15 \u5230 40 \u5e74\u7684\u5e74\u8cc7\uff0c\u6bcf\u6708\u8001\u5e74\u5e74\u91d1\u5982\u4e0b\uff0c\u6bcf\u4e00\u683c\u90fd\u662f\u64c7\u512a\u5f8c\u7684\u7d50\u679c\uff0c\u5168\u90e8\u662f B \u5f0f\u52dd\u51fa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8868 2\u3000\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u6708\u9818\u5c0d\u7167\u8868\uff08\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\u8acb\u9818\uff0c\u55ae\u4f4d\uff1a\u5143\uff09<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7<\/th>\n<th style=\"text-align: right;\">15 \u5e74<\/th>\n<th style=\"text-align: right;\">20 \u5e74<\/th>\n<th style=\"text-align: right;\">25 \u5e74<\/th>\n<th style=\"text-align: right;\">30 \u5e74<\/th>\n<th style=\"text-align: right;\">35 \u5e74<\/th>\n<th style=\"text-align: right;\">40 \u5e74<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>29,500<\/td>\n<td style=\"text-align: right;\">6,859<\/td>\n<td style=\"text-align: right;\">9,145<\/td>\n<td style=\"text-align: right;\">11,431<\/td>\n<td style=\"text-align: right;\">13,718<\/td>\n<td style=\"text-align: right;\">16,004<\/td>\n<td style=\"text-align: right;\">18,290<\/td>\n<\/tr>\n<tr>\n<td>30,300<\/td>\n<td style=\"text-align: right;\">7,045<\/td>\n<td style=\"text-align: right;\">9,393<\/td>\n<td style=\"text-align: right;\">11,741<\/td>\n<td style=\"text-align: right;\">14,090<\/td>\n<td style=\"text-align: right;\">16,438<\/td>\n<td style=\"text-align: right;\">18,786<\/td>\n<\/tr>\n<tr>\n<td>31,800<\/td>\n<td style=\"text-align: right;\">7,394<\/td>\n<td style=\"text-align: right;\">9,858<\/td>\n<td style=\"text-align: right;\">12,323<\/td>\n<td style=\"text-align: right;\">14,787<\/td>\n<td style=\"text-align: right;\">17,252<\/td>\n<td style=\"text-align: right;\">19,716<\/td>\n<\/tr>\n<tr>\n<td>33,300<\/td>\n<td style=\"text-align: right;\">7,742<\/td>\n<td style=\"text-align: right;\">10,323<\/td>\n<td style=\"text-align: right;\">12,904<\/td>\n<td style=\"text-align: right;\">15,485<\/td>\n<td style=\"text-align: right;\">18,065<\/td>\n<td style=\"text-align: right;\">20,646<\/td>\n<\/tr>\n<tr>\n<td>34,800<\/td>\n<td style=\"text-align: right;\">8,091<\/td>\n<td style=\"text-align: right;\">10,788<\/td>\n<td style=\"text-align: right;\">13,485<\/td>\n<td style=\"text-align: right;\">16,182<\/td>\n<td style=\"text-align: right;\">18,879<\/td>\n<td style=\"text-align: right;\">21,576<\/td>\n<\/tr>\n<tr>\n<td>36,300<\/td>\n<td style=\"text-align: right;\">8,440<\/td>\n<td style=\"text-align: right;\">11,253<\/td>\n<td style=\"text-align: right;\">14,066<\/td>\n<td style=\"text-align: right;\">16,880<\/td>\n<td style=\"text-align: right;\">19,693<\/td>\n<td style=\"text-align: right;\">22,506<\/td>\n<\/tr>\n<tr>\n<td>38,200<\/td>\n<td style=\"text-align: right;\">8,882<\/td>\n<td style=\"text-align: right;\">11,842<\/td>\n<td style=\"text-align: right;\">14,803<\/td>\n<td style=\"text-align: right;\">17,763<\/td>\n<td style=\"text-align: right;\">20,724<\/td>\n<td style=\"text-align: right;\">23,684<\/td>\n<\/tr>\n<tr>\n<td>40,100<\/td>\n<td style=\"text-align: right;\">9,323<\/td>\n<td style=\"text-align: right;\">12,431<\/td>\n<td style=\"text-align: right;\">15,539<\/td>\n<td style=\"text-align: right;\">18,647<\/td>\n<td style=\"text-align: right;\">21,754<\/td>\n<td style=\"text-align: right;\">24,862<\/td>\n<\/tr>\n<tr>\n<td>42,000<\/td>\n<td style=\"text-align: right;\">9,765<\/td>\n<td style=\"text-align: right;\">13,020<\/td>\n<td style=\"text-align: right;\">16,275<\/td>\n<td style=\"text-align: right;\">19,530<\/td>\n<td style=\"text-align: right;\">22,785<\/td>\n<td style=\"text-align: right;\">26,040<\/td>\n<\/tr>\n<tr>\n<td>43,900<\/td>\n<td style=\"text-align: right;\">10,207<\/td>\n<td style=\"text-align: right;\">13,609<\/td>\n<td style=\"text-align: right;\">17,011<\/td>\n<td style=\"text-align: right;\">20,414<\/td>\n<td style=\"text-align: right;\">23,816<\/td>\n<td style=\"text-align: right;\">27,218<\/td>\n<\/tr>\n<tr>\n<td>45,800<\/td>\n<td style=\"text-align: right;\">10,649<\/td>\n<td style=\"text-align: right;\">14,198<\/td>\n<td style=\"text-align: right;\">17,748<\/td>\n<td style=\"text-align: right;\">21,297<\/td>\n<td style=\"text-align: right;\">24,847<\/td>\n<td style=\"text-align: right;\">28,396<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1 \u689d\u516c\u5f0f\u8a08\u7b97\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%\uff0c\u56db\u6368\u4e94\u5165\u5230\u5143\uff1b\u6295\u4fdd\u85aa\u8cc7\u7d1a\u8ddd\u4f9d 2026 \u5e74 1 \u6708 1 \u65e5\u8d77\u7684\u5206\u7d1a\u8868<sup>[2]<\/sup>\uff0c\u5be6\u969b\u91d1\u984d\u4ee5\u52de\u4fdd\u5c40\u6838\u5b9a\u70ba\u6e96<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd 30 \u5e74\u53ef\u4ee5\u9818\u591a\u5c11\uff1f\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 30,300 \u5143\u7d04 14,090 \u5143\u300136,300 \u5143\u7d04 16,880 \u5143\u300145,800 \u5143\u7d04 21,297 \u5143\uff1b\u6eff 15 \u5e74\uff0c\u6700\u9ad8\u7d1a\u8ddd\u7d04 10,649 \u5143\uff0c\u6700\u4f4e\u4e00\u7d1a\u7d04 6,859 \u5143\uff1b\u505a\u5230 40 \u5e74\uff0c\u6700\u9ad8\u7d1a\u8ddd\u7d04 28,396 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5c0d\u7167\u6642\u8981\u8a18\u5f97\uff0c\u7b2c\u4e00\u6b04\u662f\u300c\u5e73\u5747\u300d\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u4e0d\u662f\u4f60\u9000\u4f11\u524d\u7684\u6708\u85aa\uff0c\u5e74\u8f15\u6642\u6295\u4fdd\u85aa\u8cc7\u4f4e\u3001\u5f8c\u4f86\u624d\u5347\u4e0a\u53bb\u7684\u4eba\uff0c\u53ea\u8981\u6700\u9ad8\u7684 60 \u500b\u6708\u5920\u9ad8\uff0c\u5f71\u97ff\u4e0d\u5927\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u591a 5 \u5e74\u5e74\u8cc7\u548c\u591a\u5347\u4e00\u7d1a\u6bd4\u8d77\u4f86\uff0c\u5e74\u8cc7\u7684\u6548\u679c\u901a\u5e38\u6bd4\u8f03\u5927\uff1a45,800 \u5143\u5f9e 25 \u5e74\u505a\u5230 30 \u5e74\uff0c\u6bcf\u6708\u591a 3,549 \u5143\uff1b\u540c\u6a23 30 \u5e74\uff0c\u5f9e 43,900 \u5143\u5347\u5230 45,800 \u5143\uff0c\u6bcf\u6708\u53ea\u591a 883 \u5143\uff0c\u6240\u4ee5\u60f3\u591a\u9818\u52de\u4fdd\u5e74\u91d1\uff0c\u591a\u7d2f\u7a4d\u5e7e\u5e74\u5e74\u8cc7\u901a\u5e38\u6bd4\u591a\u5347\u4e00\u7d1a\u6709\u7528\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13072_\u5e74\u8cc7\u8207\u7d1a\u8ddd.png\" alt=\"\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 45,800\u300136,300\u300129,500 \u5143\u4e09\u689d\u6298\u7dda\uff0c\u5e74\u8cc7 15 \u5230 40 \u5e74\u7684\u52de\u4fdd\u5e74\u91d1\u6708\u9818\u91d1\u984d\uff1b45,800 \u5143\u5f9e 25 \u5e74\u505a\u5230 30 \u5e74\u6bcf\u6708\u591a 3,549 \u5143\uff0c30 \u5e74\u5f9e 43,900 \u5143\u5347\u5230 45,800 \u5143\u53ea\u591a 883 \u5143\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1 \u689d\uff0c\u6295\u4fdd\u85aa\u8cc7\u7d1a\u8ddd\u4f9d 2026 \u5e74\u5206\u7d1a\u8868\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97<\/p>\n\n<p class=\"wp-block-paragraph\">60 \u500b\u6708\u5e73\u5747\u843d\u5728\u7d1a\u8ddd\u4e4b\u9593\uff08\u4f8b\u5982 45,040 \u5143\uff09\uff0c\u6216\u662f\u90e8\u5206\u5de5\u6642\u7684\u8f03\u4f4e\u7d1a\u8ddd\uff0c\u76f4\u63a5\u5957\u516c\u5f0f\u7b97\u5c31\u53ef\u4ee5\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u67e5\u5230\u81ea\u5df1\u90a3\u4e00\u683c\uff0c\u52de\u4fdd\u9019\u4e00\u4efd\u5c31\u6709\u6578\u5b57\u4e86\uff0c\u96e2\u60f3\u904e\u7684\u9000\u4f11\u751f\u6d3b\u9084\u5dee\u591a\u5c11\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a>\u6709 40\u300150 \u6b72\u9000\u4f11\u7684\u8a66\u7b97\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd 45800 \u6708\u9000\u8a66\u7b97\uff1a60 \u6b72\u548c 65 \u6b72\u5404\u9818\u591a\u5c11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74\u8d77\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\u662f 65 \u6b72\uff0c60 \u6b72\u9818\u7684\u662f\u300c\u6e1b\u984d\u5e74\u91d1\u300d\uff08reduced pension\uff09\uff0c\u4e5f\u5c31\u662f\u63d0\u524d 5 \u5e74\u3001\u6bcf\u63d0\u524d\u4e00\u5e74\u6e1b\u7d66 4%\uff0c\u5171\u6e1b 20%\uff08\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-2 \u689d\uff09<sup>[4]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8868 3\u300060 \u6b72\u6e1b\u984d\u5e74\u91d1\u8207 65 \u6b72\u5e74\u91d1\u5c0d\u7167\uff08\u55ae\u4f4d\uff1a\u5143\uff09<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7<\/th>\n<th style=\"text-align: right;\">60 \u6b72\u3001\u5e74\u8cc7 35 \u5e74<\/th>\n<th style=\"text-align: right;\">60 \u6b72\u3001\u5e74\u8cc7 40 \u5e74<\/th>\n<th style=\"text-align: right;\">65 \u6b72\u3001\u5e74\u8cc7 35 \u5e74<\/th>\n<th style=\"text-align: right;\">65 \u6b72\u3001\u5e74\u8cc7 40 \u5e74<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>45,800<\/td>\n<td style=\"text-align: right;\">19,878<\/td>\n<td style=\"text-align: right;\">22,717<\/td>\n<td style=\"text-align: right;\">24,847<\/td>\n<td style=\"text-align: right;\">28,396<\/td>\n<\/tr>\n<tr>\n<td>43,900<\/td>\n<td style=\"text-align: right;\">19,053<\/td>\n<td style=\"text-align: right;\">21,774<\/td>\n<td style=\"text-align: right;\">23,816<\/td>\n<td style=\"text-align: right;\">27,218<\/td>\n<\/tr>\n<tr>\n<td>42,000<\/td>\n<td style=\"text-align: right;\">18,228<\/td>\n<td style=\"text-align: right;\">20,832<\/td>\n<td style=\"text-align: right;\">22,785<\/td>\n<td style=\"text-align: right;\">26,040<\/td>\n<\/tr>\n<tr>\n<td>40,100<\/td>\n<td style=\"text-align: right;\">17,403<\/td>\n<td style=\"text-align: right;\">19,890<\/td>\n<td style=\"text-align: right;\">21,754<\/td>\n<td style=\"text-align: right;\">24,862<\/td>\n<\/tr>\n<tr>\n<td>38,200<\/td>\n<td style=\"text-align: right;\">16,579<\/td>\n<td style=\"text-align: right;\">18,947<\/td>\n<td style=\"text-align: right;\">20,724<\/td>\n<td style=\"text-align: right;\">23,684<\/td>\n<\/tr>\n<tr>\n<td>36,300<\/td>\n<td style=\"text-align: right;\">15,754<\/td>\n<td style=\"text-align: right;\">18,005<\/td>\n<td style=\"text-align: right;\">19,693<\/td>\n<td style=\"text-align: right;\">22,506<\/td>\n<\/tr>\n<tr>\n<td>34,800<\/td>\n<td style=\"text-align: right;\">15,103<\/td>\n<td style=\"text-align: right;\">17,261<\/td>\n<td style=\"text-align: right;\">18,879<\/td>\n<td style=\"text-align: right;\">21,576<\/td>\n<\/tr>\n<tr>\n<td>33,300<\/td>\n<td style=\"text-align: right;\">14,452<\/td>\n<td style=\"text-align: right;\">16,517<\/td>\n<td style=\"text-align: right;\">18,065<\/td>\n<td style=\"text-align: right;\">20,646<\/td>\n<\/tr>\n<tr>\n<td>31,800<\/td>\n<td style=\"text-align: right;\">13,802<\/td>\n<td style=\"text-align: right;\">15,773<\/td>\n<td style=\"text-align: right;\">17,252<\/td>\n<td style=\"text-align: right;\">19,716<\/td>\n<\/tr>\n<tr>\n<td>30,300<\/td>\n<td style=\"text-align: right;\">13,150<\/td>\n<td style=\"text-align: right;\">15,029<\/td>\n<td style=\"text-align: right;\">16,438<\/td>\n<td style=\"text-align: right;\">18,786<\/td>\n<\/tr>\n<tr>\n<td>29,500<\/td>\n<td style=\"text-align: right;\">12,803<\/td>\n<td style=\"text-align: right;\">14,632<\/td>\n<td style=\"text-align: right;\">16,004<\/td>\n<td style=\"text-align: right;\">18,290<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a65 \u6b72\u6b04\uff1d\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%\uff1b60 \u6b72\u6b04\uff1d65 \u6b72\u6b04 \u00d7 80%\uff0c\u56db\u6368\u4e94\u5165\u5230\u5143\uff0c60 \u6b72\u6b04\u7684\u5e74\u8cc7\u662f\u5047\u8a2d\u5728 60 \u6b72\u524d\u5df2\u7d2f\u7a4d\u5230\u8a72\u5e74\u6578<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u6700\u9ad8\u7d1a\u8ddd\u3001\u5e74\u8cc7 35 \u5e74\u9a57\u7b97\uff1a45,800\u00d735\u00d71.55%\u224824,847 \u5143\uff0c60 \u6b72\u63d0\u524d 5 \u5e74\u9818\uff0c24,847\u00d780%\u224819,878 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u540c\u6a23\u9019\u500b\u4eba\u5982\u679c\u7528 A \u5f0f\u7b97\uff0c65 \u6b72\u662f 45,800\u00d735\u00d70.775%\uff0b3,000\u224815,423 \u5143\uff0c60 \u6b72\u662f 15,423\u00d780%\u224812,338 \u5143\uff0c\u90fd\u6bd4 B \u5f0f\u4f4e\u5f88\u591a\uff0c\u6240\u4ee5\u52de\u4fdd\u5c40\u6703\u767c B \u5f0f\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5c40\u8209\u904e\u7684\u4f8b\u5b50\u4e5f\u5c0d\u5f97\u4e0a\uff1a51 \u5e74\u6b21\u7684\u5289\u592a\u592a 64 \u6b72\u9000\u4f11\uff0c\u6708\u6295\u4fdd\u85aa\u8cc7 45,800 \u5143\u3001\u5e74\u8cc7 17 \u5e74\u53c8 9 \u500b\u6708\uff0c\u63d0\u524d 1 \u5e74\u8acb\u9818\uff0c\u6bcf\u6708\u7d04 12,097 \u5143<sup>[7]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7528\u516c\u5f0f\u9a57\u7b97\uff1a45,800\u00d717.75\u00d71.55%\u00d796%\u224812,097 \u5143\uff0c\u548c\u52de\u4fdd\u5c40\u7684\u6578\u5b57\u4e00\u81f4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u4e4b\u5916\u6bcf\u6708\u9084\u5dee\u591a\u5c11\uff0c\u63db\u6210\u4f60\u7684\u6295\u4fdd\u85aa\u8cc7\u3001\u5e74\u8cc7\u548c\u60f3\u82b1\u7684\u9322\uff0c\u62c9\u4e00\u62c9\u5c31\u77e5\u9053\uff1a<\/p>\n\n\n<!-- \u9000\u4f11\u7f3a\u53e3\u8a66\u7b97 v3\uff082026-10-27\uff09\uff1a\u62c9\u687f\uff0b\u4e0b\u62c9\u9078\u55ae\u64cd\u4f5c\u3001\u4e09\u6b65\u9a5f\u5716\u793a\u3001\u7d50\u679c\u7528\u5716\u5448\u73fe\uff1bv4\uff1a\u6bcf\u6708\u8981\u5b58\u591a\u5c11\u6539\u7528\u963f\u723e\u767c\u56e0\u5b50\u589e\u5f37\uff08DFA\uff09\u4fdd\u5b88\uff0f\u7a69\u5065\uff0f\u7a4d\u6975\u4e09\u7a2e\u5c6c\u6027\uff0c\u5e74\u5831\u916c\u53d6\u5b98\u7db2 20 \u5e74\u56de\u6e2c\u5e74\u5316\uff1b\u53f0\u7f8e\u79d1\u6280\u53ea\u6709 5 \u5e74\u56de\u6e2c\uff0c\u653e\u885b\u661f\u8aaa\u660e\u5361\uff0c\u4e0d\u9032\u9577\u671f\u8a66\u7b97\u3002\n     \u516c\u5f0f\u8207\u53c3\u6578\u51fa\u8655\uff1a\u6587\u7ae0 13072 \u52de\u4fdd\u6708\u9000\u8a66\u7b97\uff08A \u5f0f\u3001B \u5f0f\u64c7\u512a\u300165 \u6b72\u5168\u984d\u3001\u6bcf\u5e74 \u00b14% \u5404\u6700\u591a 5 \u5e74\u30012026 \u5e74\u6295\u4fdd\u85aa\u8cc7 11 \u7d1a 29,500\uff5e45,800 \u5143\u3001\u5e74\u8cc7\u672a\u6eff 15 \u5e74\u4e0d\u7d66\u5e74\u91d1\uff09\u3001\n     13124 \u52de\u9000\u65b0\u5236\u8a66\u7b97\uff08\u96c7\u4e3b 6%\uff0b\u81ea\u63d0 0\uff5e6%\u3001\u6708\u63d0\u7e73\u5de5\u8cc7\u4e0a\u9650 150,000 \u5143\u3001\u6708\u9818\uff1d\u5c08\u6236\u00f7\u671f\u521d\u5e74\u91d1\u73fe\u503c\u56e0\u5b50\u00f712\uff1b\u56e0\u5b50\u5229\u7387 1.1473%\u3001\u5e73\u5747\u9918\u547d 60\u201361 \u6b72 23 \u5e74\u300162 \u6b72\u4ee5\u4e0a\u4ee5 22 \u5e74\u4f30\uff09\u3002\n     \u5167\u5d4c\uff1a\u767c\u5e03.py \u628a\u6b63\u6587 {{\u5de5\u5177:\u9000\u4f11\u7f3a\u53e3\u8a66\u7b97}} \u63db\u6210\u672c\u6a94\uff08wp:html\uff09\u3002\u6a23\u5f0f\u90fd\u4ee5 .agt \u958b\u982d\u3002 -->\n<div class=\"agt\" id=\"agt-retire-gap\">\n<style>\n.agt{--bg:#f3f7f9;--card:#fff;--fg:#1b2430;--mu:#5d6876;--ln:#d9e1e7;--ac:#1f5f7a;--li:#5b9bbd;--lp:#7fbf95;--np:#a58fcf;--gap:#d0583f;--ok:#1e7a4f;\n  font-family:\"Noto Sans TC\",\"PingFang TC\",\"Microsoft JhengHei\",sans-serif;color:var(--fg);background:var(--bg);border:1px solid var(--ln);border-radius:12px;padding:16px;margin:24px 0;line-height:1.5;font-size:15px}\n.agt *{box-sizing:border-box}\n.agt .t{margin:0 0 12px;font-size:1.15rem;font-weight:700}\n.agt .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:14px}\n.agt .st{background:var(--card);border:1px solid var(--ln);border-radius:10px;padding:8px;text-align:center;font-size:.8rem;color:var(--mu)}\n.agt .st svg{display:block;margin:0 auto 4px;width:34px;height:34px}\n.agt .st b{display:block;color:var(--fg);font-size:.85rem}\n.agt .grp{background:var(--card);border:1px solid var(--ln);border-radius:10px;padding:12px;margin-bottom:10px}\n.agt .gh{display:flex;align-items:center;gap:8px;font-weight:700;font-size:.92rem;margin-bottom:6px}\n.agt .gh i{display:inline-grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--ac);color:#fff;font-style:normal;font-size:.8rem}\n.agt .row{display:grid;grid-template-columns:1fr auto;align-items:center;gap:2px 10px;margin-top:10px}\n.agt .row label{font-size:.86rem;color:var(--mu)}\n.agt .row output{font-weight:700;font-variant-numeric:tabular-nums;font-size:.95rem}\n.agt .row input[type=range]{grid-column:1 \/ -1;width:100%;accent-color:var(--ac);height:28px;margin:0}\n.agt .row select{grid-column:1 \/ -1;width:100%;font:inherit;font-size:16px;padding:7px 8px;border:1px solid var(--ln);border-radius:6px;background:#fff;color:var(--fg)}\n.agt .two{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}\n.agt details summary{cursor:pointer;font-size:.86rem;color:var(--ac);margin-top:10px}\n.agt .res{background:var(--card);border:2px solid var(--ac);border-radius:12px;padding:14px;margin-top:4px}\n.agt .big{display:flex;align-items:baseline;gap:8px;flex-wrap:wrap}\n.agt .big span{font-size:.9rem;color:var(--mu)}\n.agt .big b{font-size:2rem;font-variant-numeric:tabular-nums;color:var(--gap)}\n.agt .big b.ok{color:var(--ok)}\n.agt .stack{position:relative;margin:12px 0 4px}\n.agt .stack .need{font-size:.78rem;color:var(--mu);text-align:right;margin-bottom:3px}\n.agt .bar{display:flex;height:38px;border-radius:8px;overflow:hidden;background:#eef2f5}\n.agt .bar i{display:flex;align-items:center;justify-content:center;height:100%;color:#fff;font-style:normal;font-size:.75rem;font-weight:700;white-space:nowrap;overflow:hidden;transition:width .25s}\n.agt .bar .a{background:var(--li)} .agt .bar .b{background:var(--lp)} .agt .bar .d{background:var(--np)} .agt .bar .c{background:repeating-linear-gradient(45deg,var(--gap),var(--gap) 6px,#dc705b 6px,#dc705b 12px)}\n.agt .mini{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin-top:10px;text-align:center}\n.agt .mini div{background:var(--bg);border-radius:8px;padding:6px 4px}\n.agt .mini small{display:block;font-size:.72rem;color:var(--mu)}\n.agt .mini b{font-variant-numeric:tabular-nums;font-size:.98rem}\n.agt .mini .dot{display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:4px}\n.agt .life{margin-top:12px}\n.agt .life svg{width:100%;height:auto;display:block}\n.agt .cta{display:grid;grid-template-columns:1fr;gap:8px;margin-top:12px}\n.agt .cta a{display:block;text-align:center;text-decoration:none;font-weight:700;padding:11px 12px;border-radius:8px;font-size:.95rem}\n.agt .cta a.b{background:var(--ac);color:#fff} .agt .cta a.g{background:#06c755;color:#fff}\n.agt .note{font-size:.72rem;color:var(--mu);margin:10px 0 0}\n.agt .save{margin-top:14px;border-top:1px dashed var(--ln);padding-top:12px}\n.agt .save .h{font-weight:700;font-size:.95rem;margin-bottom:8px}\n.agt .sv{display:grid;grid-template-columns:118px 1fr 70px;align-items:center;gap:8px;margin:6px 0;font-size:.82rem}\n.agt .sv .tr{height:16px;background:#eef2f5;border-radius:4px;overflow:hidden}\n.agt .sv .tr i{display:block;height:100%;background:#9fb3c0;border-radius:4px;transition:width .25s}\n.agt .sv.best .tr i{background:var(--ac)} .agt .sv b{text-align:right;font-variant-numeric:tabular-nums}\n.agt .save .k{font-size:.88rem;margin-top:6px}\n.agt .sv small{display:block;font-size:.7rem;color:var(--mu)}\n.agt .sat{margin-top:10px;background:var(--bg);border-radius:8px;padding:10px;font-size:.84rem}\n.agt .sat b{display:block;margin-bottom:2px}\n.agt .sat a{display:inline-block;margin-top:6px;color:var(--ac);font-weight:700;text-decoration:none}\n@media (min-width:640px){.agt .cta{grid-template-columns:1fr 1fr}.agt .mini{grid-template-columns:repeat(4,1fr)}}\n<\/style>\n<p class=\"t\">\u9000\u4f11\u7f3a\u53e3\u8a66\u7b97<\/p>\n<div class=\"steps\" aria-hidden=\"true\">\n  <div class=\"st\"><svg viewBox=\"0 0 34 34\"><circle cx=\"17\" cy=\"17\" r=\"16\" fill=\"#e3eef3\"\/><rect x=\"8\" y=\"16\" width=\"18\" height=\"3\" rx=\"1.5\" fill=\"#1f5f7a\"\/><circle cx=\"21\" cy=\"17.5\" r=\"4\" fill=\"#fff\" stroke=\"#1f5f7a\" stroke-width=\"2\"\/><\/svg><b>\u2460 \u62c9\u4e00\u62c9<\/b>\u5e74\u9f61\u3001\u82b1\u8cbb<\/div>\n  <div class=\"st\"><svg viewBox=\"0 0 34 34\"><circle cx=\"17\" cy=\"17\" r=\"16\" fill=\"#e3eef3\"\/><rect x=\"9\" y=\"19\" width=\"5\" height=\"7\" fill=\"#5b9bbd\"\/><rect x=\"15\" y=\"14\" width=\"5\" height=\"12\" fill=\"#7fbf95\"\/><rect x=\"21\" y=\"9\" width=\"5\" height=\"17\" fill=\"#1f5f7a\"\/><\/svg><b>\u2461 \u9078\u4e00\u9078<\/b>\u52de\u4fdd\u3001\u52de\u9000\u3001\u570b\u4fdd<\/div>\n  <div class=\"st\"><svg viewBox=\"0 0 34 34\"><circle cx=\"17\" cy=\"17\" r=\"16\" fill=\"#e3eef3\"\/><rect x=\"7\" y=\"13\" width=\"9\" height=\"8\" fill=\"#5b9bbd\"\/><rect x=\"16\" y=\"13\" width=\"6\" height=\"8\" fill=\"#7fbf95\"\/><rect x=\"22\" y=\"13\" width=\"5\" height=\"8\" fill=\"#d0583f\"\/><\/svg><b>\u2462 \u770b\u7f3a\u53e3<\/b>\u5dee\u591a\u5c11<\/div>\n<\/div>\n\n<div class=\"grp\">\n  <div class=\"gh\"><i>1<\/i>\u4f60\u81ea\u5df1<\/div>\n  <div class=\"two\">\n    <div class=\"row\"><label for=\"agt-age\">\u73fe\u5728<\/label><output id=\"agt-v-age\"><\/output><input id=\"agt-age\" type=\"range\" min=\"25\" max=\"64\" step=\"1\" value=\"40\"><\/div>\n    <div class=\"row\"><label for=\"agt-ret\">\u5e7e\u6b72\u9000\u4f11<\/label><output id=\"agt-v-ret\"><\/output><input id=\"agt-ret\" type=\"range\" min=\"60\" max=\"70\" step=\"1\" value=\"65\"><\/div>\n  <\/div>\n  <div class=\"row\"><label for=\"agt-need\">\u9000\u4f11\u5f8c\u6bcf\u6708\u60f3\u82b1<\/label><output id=\"agt-v-need\"><\/output><input id=\"agt-need\" type=\"range\" min=\"20000\" max=\"150000\" step=\"5000\" value=\"50000\"><\/div>\n  <div class=\"row\"><label for=\"agt-until\">\u9322\u8981\u6e96\u5099\u5230<\/label><output id=\"agt-v-until\"><\/output><input id=\"agt-until\" type=\"range\" min=\"75\" max=\"100\" step=\"1\" value=\"85\"><\/div>\n<\/div>\n\n<div class=\"grp\">\n  <div class=\"gh\"><i>2<\/i>\u52de\u4fdd\uff0b\u52de\u9000\uff0b\u570b\u4fdd<\/div>\n  <div class=\"row\"><label for=\"agt-ins\">\u52de\u4fdd\u6295\u4fdd\u85aa\u8cc7\uff082026 \u5e74\u7d1a\u8ddd\uff09<\/label><select id=\"agt-ins\"><\/select><\/div>\n  <div class=\"row\"><label for=\"agt-yrs\">\u9000\u4f11\u6642\u52de\u4fdd\u5e74\u8cc7<\/label><output id=\"agt-v-yrs\"><\/output><input id=\"agt-yrs\" type=\"range\" min=\"0\" max=\"45\" step=\"1\" value=\"30\"><\/div>\n  <div class=\"row\"><label for=\"agt-nyrs\">\u570b\u4fdd\u5e74\u8cc7\uff08\u6c92\u6709\u52de\u4fdd\u7684\u5e74\u4efd\uff09<\/label><output id=\"agt-v-nyrs\"><\/output><input id=\"agt-nyrs\" type=\"range\" min=\"0\" max=\"40\" step=\"1\" value=\"0\"><\/div>\n  <div class=\"row\"><label for=\"agt-bal\">\u52de\u9000\u5c08\u6236\u73fe\u5728\u6709<\/label><output id=\"agt-v-bal\"><\/output><input id=\"agt-bal\" type=\"range\" min=\"0\" max=\"5000000\" step=\"50000\" value=\"800000\"><\/div>\n  <details><summary>\u52de\u9000\u9032\u968e\uff1a\u6708\u85aa\u3001\u81ea\u63d0\u3001\u5831\u916c\u5047\u8a2d<\/summary>\n    <div class=\"row\"><label for=\"agt-wage\">\u6708\u63d0\u7e73\u5de5\u8cc7<\/label><output id=\"agt-v-wage\"><\/output><input id=\"agt-wage\" type=\"range\" min=\"0\" max=\"150000\" step=\"500\" value=\"50000\"><\/div>\n    <div class=\"two\">\n      <div class=\"row\"><label for=\"agt-self\">\u500b\u4eba\u81ea\u63d0<\/label><select id=\"agt-self\"><option value=\"0\">0%<\/option><option value=\"1\">1%<\/option><option value=\"2\">2%<\/option><option value=\"3\">3%<\/option><option value=\"4\">4%<\/option><option value=\"5\">5%<\/option><option value=\"6\">6%<\/option><\/select><\/div>\n      <div class=\"row\"><label for=\"agt-r\">\u5c08\u6236\u5e74\u5831\u916c<\/label><select id=\"agt-r\"><option value=\"0.02\">2%<\/option><option value=\"0.04\">4%<\/option><\/select><\/div>\n    <\/div>\n  <\/details>\n<\/div>\n\n<div class=\"res\" aria-live=\"polite\">\n  <div class=\"big\"><span>\u6bcf\u6708\u7f3a\u53e3<\/span><b id=\"agt-o-gap\">\u2014<\/b><\/div>\n  <div class=\"stack\">\n    <div class=\"need\" id=\"agt-o-need\"><\/div>\n    <div class=\"bar\" role=\"img\" id=\"agt-bar\"><i class=\"a\" id=\"agt-b-li\"><\/i><i class=\"b\" id=\"agt-b-lp\"><\/i><i class=\"d\" id=\"agt-b-np\"><\/i><i class=\"c\" id=\"agt-b-gap\"><\/i><\/div>\n  <\/div>\n  <div class=\"mini\">\n    <div><small><span class=\"dot\" style=\"background:var(--li)\"><\/span>\u52de\u4fdd\u6708\u9818<\/small><b id=\"agt-o-li\">\u2014<\/b><\/div>\n    <div><small><span class=\"dot\" style=\"background:var(--lp)\"><\/span>\u52de\u9000\u6708\u9818<\/small><b id=\"agt-o-lp\">\u2014<\/b><\/div>\n    <div><small><span class=\"dot\" style=\"background:var(--np)\"><\/span>\u570b\u4fdd\u6708\u9818<\/small><b id=\"agt-o-np\">\u2014<\/b><\/div>\n    <div><small><span class=\"dot\" style=\"background:var(--gap)\"><\/span>\u7e3d\u5171\u8981\u6e96\u5099<\/small><b id=\"agt-o-tot\">\u2014<\/b><\/div>\n  <\/div>\n  <div class=\"life\" id=\"agt-life\"><\/div>\n  <div class=\"save\" id=\"agt-save\"><div class=\"h\">\u5f9e\u73fe\u5728\u8d77\u6bcf\u6708\u8981\u5b58\u591a\u5c11\uff0c\u624d\u88dc\u5f97\u4e0a\uff1f<\/div>\n    <div class=\"row\"><label for=\"agt-risk\">\u4f60\u7684\u98a8\u96aa\u5c6c\u6027<\/label><select id=\"agt-risk\"><option value=\"0\">\u4fdd\u5b88\uff08\u80a1 40\uff0f\u50b5 60\uff09<\/option><option value=\"1\" selected>\u7a69\u5065\uff08\u80a1 60\uff0f\u50b5 40\uff09<\/option><option value=\"2\">\u7a4d\u6975\uff08\u80a1 80\uff0f\u50b5 20\uff09<\/option><\/select><\/div>\n    <div id=\"agt-sv\"><\/div><p class=\"k\" id=\"agt-sv-k\"><\/p>\n    <div class=\"sat\"><b>\u60f3\u591a\u4e00\u9ede AI \u6210\u9577\uff1f<\/b>\u53f0\u7f8e\u79d1\u6280\u662f\u5168\u80a1\u7968\u7684\u4e3b\u984c\u914d\u7f6e\uff0c\u8fd1 5 \u5e74\u56de\u6e2c\u5e74\u5316 20.4%\u3001\u8fd1 1 \u5e74 73.8%\uff0c\u4f46\u53ea\u6709 5 \u5e74\u8cc7\u6599\u3001\u55ae\u4e00\u5e74\u5ea6\u6ce2\u52d5\u5f88\u5927\uff0c\u9069\u5408\u653e\u5728\u6838\u5fc3\u914d\u7f6e\u4e4b\u5916\u7684\u4e00\u5c0f\u90e8\u5206\uff0c\u6240\u4ee5\u4e0d\u653e\u9032\u4e0a\u9762\u7684\u9577\u671f\u8a66\u7b97\u3002<a href=\"https:\/\/roboadvisor.com.tw\/AlphaSemiconductor.html?Camp=BlogTool\" target=\"_blank\" rel=\"noopener\">\u770b\u53f0\u7f8e\u79d1\u6280\u7d44\u5408<\/a>\u3000<a href=\"https:\/\/roboadvisor.com.tw\/AlphaDfa.html?Camp=BlogTool\" target=\"_blank\" rel=\"noopener\">\u770b\u56e0\u5b50\u589e\u5f37\u7d44\u5408<\/a><\/div>\n    <p class=\"note\">\u56e0\u5b50\u589e\u5f37\u70ba\u963f\u723e\u767c\u6295\u9867\u4ee5 DFA ETF \u5efa\u69cb\u7684\u6a21\u578b\u7d44\u5408\uff0c\u5e74\u5831\u916c\u53d6\u5b98\u7db2\u516c\u5e03\u7684 20 \u5e74\u56de\u6e2c\u5e74\u5316\uff08\u6668\u661f\u8cc7\u6599\u3001\u7f8e\u5143\u8a08\uff0c\u622a\u81f3 2026\/09\/04\uff09\uff1b\u53f0\u7f8e\u79d1\u6280\u6578\u5b57\u540c\u51fa\u8655\u3002\u56de\u6e2c\u4e0d\u662f\u5be6\u969b\u7e3e\u6548\uff0c\u904e\u53bb\u7e3e\u6548\u4e0d\u4ee3\u8868\u672a\u4f86\uff0c\u6295\u8cc7\u53ef\u80fd\u8667\u640d\u3002\u300c\u6700\u5dee\u4e00\u5e74\u300d\u70ba Vanguard 1928\uff5e2025 \u5e74\u540c\u80a1\u50b5\u6bd4\u4f8b\u7684\u6700\u5dee\u5e74\u5ea6\uff1b\u5b9a\u5b58\u4ee5\u52de\u9000\u4fdd\u8b49\u6536\u76ca 114 \u5e74\u5e73\u5747 1.71% \u70ba\u53c3\u8003\u3002<\/p><\/div>\n  <div class=\"cta\">\n    <a class=\"b\" href=\"https:\/\/roboadvisor.com.tw\/portfolio-calculator\/?Camp=BlogTool\" target=\"_blank\" rel=\"noopener\">\u628a\u7f3a\u53e3\u8b8a\u6210\u6295\u8cc7\u8a08\u756b<\/a>\n    <a class=\"g\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" target=\"_blank\" rel=\"noopener\">\u52a0 LINE \u8acb\u9867\u554f\u770b\u7f3a\u53e3<\/a>\n  <\/div>\n  <p class=\"note\" id=\"agt-o-note\"><\/p>\n  <p class=\"note\">\u4f9d 2026 \u5e74\u52de\u4fdd\u3001\u52de\u9000\u3001\u570b\u4fdd\u516c\u5f0f\u8a66\u7b97\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u5be6\u969b\u4ee5\u52de\u5de5\u4fdd\u96aa\u5c40\u6838\u5b9a\u70ba\u6e96\uff1b\u5c08\u6236\u5831\u916c\u70ba\u5047\u8a2d\uff1b\u7e3d\u984d\u672a\u8a08\u901a\u81a8\u8207\u6295\u8cc7\u5831\u916c\u3002\u8cc7\u6599\u53ea\u5728\u4f60\u7684\u700f\u89bd\u5668\u8a08\u7b97\uff0c\u4e0d\u6703\u9001\u51fa\u3002\u963f\u723e\u767c\u8b49\u5238\u6295\u8cc7\u9867\u554f\u80a1\u4efd\u6709\u9650\u516c\u53f8\u3000115\u91d1\u7ba1\u6295\u9867\u65b0\u5b57\u7b2c019\u865f<\/p>\n<\/div>\n<script>\n(function(){\n  if(!document.getElementById(\"agt-retire-gap\")) return;\n  function $(id){return document.getElementById(id);}\n  function v(id){return parseFloat($(id).value)||0;}\n  function wan(x){return x>=10000?(Math.round(x\/1000)\/10).toLocaleString(\"zh-TW\")+\" \u842c\":Math.round(x).toLocaleString(\"zh-TW\")+\" \u5143\";}\n  function yuan(x){return Math.round(x).toLocaleString(\"zh-TW\")+\" \u5143\";}\n  var LV=[29500,30300,31800,33300,34800,36300,38200,40100,42000,43900,45800], sel=$(\"agt-ins\");\n  LV.forEach(function(x){var o=document.createElement(\"option\");o.value=x;o.textContent=x.toLocaleString(\"zh-TW\")+\" \u5143\"+(x===45800?\"\uff08\u6700\u9ad8\uff09\":\"\");if(x===45800)o.selected=true;sel.appendChild(o);});\n  \/\/ \u6587\u7ae0\u53ef\u8a2d\u9810\u8a2d\u503c\uff1a<div id=\"agt-retire-gap\" data-defaults=\"yrs=0;nyrs=20\">\uff08\u767c\u5e03.py \u7531 {{\u5de5\u5177:\u9000\u4f11\u7f3a\u53e3\u8a66\u7b97 yrs=0 nyrs=20}} \u7522\u751f\uff09\n  (document.getElementById(\"agt-retire-gap\").getAttribute(\"data-defaults\")||\"\").split(\";\").forEach(function(kv){var p=kv.split(\"=\");if(p.length===2&&$(\"agt-\"+p[0].trim()))$(\"agt-\"+p[0].trim()).value=p[1].trim();});\n  function factor(age){var n=(age<=61?23:22)*12,i=Math.pow(1.011473,1\/12)-1;return (1-Math.pow(1+i,-n))\/i*(1+i)\/12;}\n  var sent=false;\n  function calc(){\n    var 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class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u51fa\u751f\u5e74\u6b21<\/th>\n<th>\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61<\/th>\n<th>\u53ef\u4ee5\u958b\u59cb\u9818\u7684\u5e74\u5ea6<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6c11\u570b 46 \u5e74\uff08\u542b\uff09\u4ee5\u524d<\/td>\n<td>60 \u6b72<\/td>\n<td>98\uff5e106 \u5e74<\/td>\n<\/tr>\n<tr>\n<td>47 \u5e74<\/td>\n<td>61 \u6b72<\/td>\n<td>108 \u5e74<\/td>\n<\/tr>\n<tr>\n<td>48 \u5e74<\/td>\n<td>62 \u6b72<\/td>\n<td>110 \u5e74<\/td>\n<\/tr>\n<tr>\n<td>49 \u5e74<\/td>\n<td>63 \u6b72<\/td>\n<td>112 \u5e74<\/td>\n<\/tr>\n<tr>\n<td>50 \u5e74<\/td>\n<td>64 \u6b72<\/td>\n<td>114 \u5e74<\/td>\n<\/tr>\n<tr>\n<td>51 \u5e74\uff08\u542b\uff09\u4ee5\u5f8c<\/td>\n<td>65 \u6b72<\/td>\n<td>116 \u5e74\u8d77\uff0c\u4f9d\u6eff 65 \u6b72\u7684\u5e74\u5ea6<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u8001\u5e74\u7d66\u4ed8\u8acb\u9818\u8cc7\u683c\u3009<sup>[8]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5 2026 \u5e74\u9084\u6c92\u958b\u59cb\u9818\u7684\u4eba\uff0c\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\u4e00\u5f8b\u662f 65 \u6b72\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8981\u9818\u5e74\u91d1\uff0c\u4e09\u500b\u689d\u4ef6\u8981\u540c\u6642\u6210\u7acb\uff1a\u5e74\u8cc7\u6eff 15 \u5e74\u3001\u9054\u5230\u8acb\u9818\u5e74\u9f61\u3001\u8fa6\u7406\u96e2\u8077\u9000\u4fdd\uff0c\u800c\u4e14\u662f\u96e2\u8077\u9000\u4fdd\u7684\u9694\u5929\u624d\u5177\u5099\u8acb\u9818\u8cc7\u683c<sup>[1]<\/sup>\uff08\u9084\u5728\u6295\u4fdd\u4e2d\uff0c\u5c31\u7b97 65 \u6b72\u4e5f\u9084\u4e0d\u80fd\u9818\u52de\u4fdd\u5e74\u91d1\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5728 65 \u6b72\u524d\u5f8c\uff0c\u4f60\u6709\u4e09\u7a2e\u9078\u64c7\uff08\u7b2c 58-2 \u689d\uff09<sup>[7]<\/sup>\uff0c\u4ee5 45,800 \u5143\u3001\u5e74\u8cc7 30 \u5e74\u70ba\u4f8b\uff0c65 \u6b72\u8d77\u6bcf\u6708 21,297 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u63d0\u524d\u8acb\u9818\u7684\u6e1b\u984d\u5e74\u91d1\uff0c\u6700\u591a\u63d0\u524d 5 \u5e74\uff0c\u6bcf\u63d0\u524d 1 \u5e74\u6e1b\u7d66 4%\uff0c\u6700\u591a\u6e1b 20%\uff0c\u5e74\u8cc7\u8981\u6eff 15 \u5e74\uff0c60 \u6b72\u8d77\u6bcf\u6708 21,297\u00d780%\u224817,038 \u5143\uff1b\u5ef6\u5f8c\u8acb\u9818\u7684\u5c55\u5ef6\u5e74\u91d1\uff08deferred pension\uff09\uff0c\u6bcf\u5ef6\u5f8c 1 \u5e74\u589e\u7d66 4%\uff0c\u6700\u591a\u589e 20%\uff0c70 \u6b72\u8d77\u6bcf\u6708 21,297\u00d7120%\u224825,556 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u589e\u6e1b\u7684\u6bd4\u4f8b\u4e00\u7d93\u6838\u5b9a\u5c31\u56fa\u5b9a\uff0c\u4e0d\u6703\u56e0\u70ba\u4e4b\u5f8c\u5e74\u7d00\u8b8a\u5927\u800c\u6539\u56de\u4f86<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u600e\u9ebc\u9078\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u6700\u76f4\u63a5\u7684\u65b9\u6cd5\uff0c\u662f\u7b97\u640d\u76ca\u5169\u5e73\uff08break-even\uff09\u7684\u5e74\u9f61\uff1a\u63d0\u524d\u9818\u7684\u4eba\u65e9\u62ff 5 \u5e74\uff0c\u4f46\u6bcf\u500b\u6708\u5c11 20%\uff0c\u8981\u6d3b\u5230\u5e7e\u6b72\uff0c\u7b49\u5230 65 \u6b72\u624d\u9818\u7684\u4eba\u7d2f\u8a08\u91d1\u984d\u624d\u6703\u8ffd\u4e0a\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u628a\u5169\u689d\u7b97\u5f0f\u5beb\u51fa\u4f86\uff1a60 \u6b72\u8d77\u9818\u7684\u7d2f\u8a08\u662f 0.8\u00d7\uff08\u5e74\u9f61\uff0d60\uff09\uff0c65 \u6b72\u8d77\u9818\u7684\u7d2f\u8a08\u662f 1\u00d7\uff08\u5e74\u9f61\uff0d65\uff09\uff0c\u5169\u8005\u76f8\u7b49\u6642\uff0c0.8\u00d7\u5e74\u9f61\uff0d48\uff1d\u5e74\u9f61\uff0d65\uff0c\u5e74\u9f61\uff1d85 \u6b72\uff1b\u540c\u6a23\u7684\u7b97\u6cd5\uff0c70 \u6b72\u5ef6\u5f8c\u9818\u548c 65 \u6b72\u6bd4\uff1a1.2\u00d7\uff08\u5e74\u9f61\uff0d70\uff09\uff1d\u5e74\u9f61\uff0d65\uff0c\u5e74\u9f61\uff1d95 \u6b72\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8aaa\uff0c\u53ea\u770b\u540d\u76ee\u91d1\u984d\u7684\u8a71\uff0c\u6d3b\u904e 85 \u6b72\uff0c\u7b49\u5230 65 \u6b72\u9818\u6bd4 60 \u6b72\u63d0\u524d\u9818\u5212\u7b97\uff1b\u8981\u6d3b\u904e 95 \u6b72\uff0c\u5ef6\u5230 70 \u6b72\u624d\u6bd4 65 \u6b72\u9818\u5212\u7b97\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/13072_\u63d0\u524d\u5ef6\u5f8c\u640d\u76ca\u5169\u5e73.png\" alt=\"60\u300165\u300170 \u6b72\u8d77\u9818\u52de\u4fdd\u5e74\u91d1\u7684\u7d2f\u8a08\u91d1\u984d\u6298\u7dda\u5716\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 45,800 \u5143\u3001\u5e74\u8cc7 30 \u5e74\uff1b65 \u6b72\u8d77\u9818\u5728 85 \u6b72\u8ffd\u4e0a 60 \u6b72\u63d0\u524d\u9818\uff0c70 \u6b72\u5ef6\u5f8c\u9818\u5728 95 \u6b72\u624d\u8ffd\u4e0a 65 \u6b72\u8d77\u9818\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-2 \u689d\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97\uff0c\u672a\u8a08\u6642\u9593\u50f9\u503c\u8207\u7269\u50f9\u8abf\u6574\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u7b97\u6cd5\u6c92\u6709\u8003\u616e\u9322\u7684\u6642\u9593\u50f9\u503c\uff0c\u4e5f\u6c92\u6709\u8003\u616e\u5e74\u91d1\u6703\u96a8\u7269\u50f9\u8abf\u6574\uff08\u4e09\u7a2e\u9078\u64c7\u90fd\u6703\u8abf\uff0c\u5f71\u97ff\u5dee\u4e0d\u591a\uff09\uff0c\u6240\u4ee5\u5b83\u53ea\u662f\u4e00\u500b\u53c3\u8003\u9ede\uff1b\u4f60\u7684\u5065\u5eb7\u3001\u5bb6\u65cf\u58fd\u547d\u300165 \u6b72\u524d\u6709\u6c92\u6709\u5176\u4ed6\u6536\u5165\u53ef\u4ee5\u6490\uff0c\u624d\u662f\u771f\u6b63\u7684\u7b54\u6848\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53e6\u5916\u5169\u7a2e\u7279\u6b8a\u60c5\u6cc1\uff1a\u5f9e\u4e8b\u9ad8\u58d3\u5ba4\u5167\u4f5c\u696d\u3001\u6f5b\u6c34\u4f5c\u696d\u7b49\u7279\u6b8a\u6027\u8cea\u5de5\u4f5c\u6eff 15 \u5e74\u3001\u5e74\u6eff 55 \u6b72\uff0c\u53ef\u4ee5\u8acb\u9818\u8001\u5e74\u5e74\u91d1\uff0c\u800c\u4e14\u4e0d\u9069\u7528\u5e74\u9f61\u9010\u6b65\u63d0\u9ad8\u8207\u589e\u6e1b\u7d66\u7684\u898f\u5b9a<sup>[6]<\/sup>\uff1b\u52de\u4fdd\u5e74\u8cc7\u672a\u6eff 15 \u5e74\u3001\u4f46\u4f75\u8a08\u570b\u6c11\u5e74\u91d1\u5e74\u8cc7\u6eff 15 \u5e74\u7684\u4eba\uff0c65 \u6b72\u6642\u53ef\u4ee5\u9078\u64c7\u8acb\u9818\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\uff0c\u4e0d\u9069\u7528\u63d0\u524d\u6e1b\u7d66\u6216\u5ef6\u5f8c\u589e\u7d66<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u570b\u6c11\u5e74\u91d1\u90a3\u4e00\u6bb5\u600e\u9ebc\u7b97\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14446\">\u570b\u6c11\u5e74\u91d1\u4e00\u500b\u6708\u9818\u591a\u5c11<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u6708\u9000\u8a66\u7b97\uff1a\u4e94\u7a2e\u8655\u5883\u5404\u9818\u591a\u5c11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5be6\u969b\u4e0a\u6bcf\u500b\u4eba\u7684\u5e74\u8cc7\u3001\u85aa\u8cc7\u3001\u9000\u4f11\u5e74\u9f61\u90fd\u4e0d\u4e00\u6a23\uff0c\u4e94\u7a2e\u5e38\u898b\u8655\u5883\u5404\u7b97\u4e00\u6b21\uff0c\u7d50\u679c\u5dee\u5f88\u591a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8868 5\u3000\u4e94\u7a2e\u8655\u5883\u7684\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u8a66\u7b97<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u8655\u5883<\/th>\n<th style=\"text-align: right;\">\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7<\/th>\n<th style=\"text-align: right;\">\u5e74\u8cc7<\/th>\n<th>\u8acb\u9818\u65b9\u5f0f<\/th>\n<th>\u7b97\u5f0f<\/th>\n<th style=\"text-align: right;\">\u91d1\u984d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>A. 51 \u5e74\u6b21\u4ee5\u5f8c\uff0c\u4e00\u8def\u6295\u4fdd\u5230\u6700\u9ad8\u7d1a\u8ddd<\/td>\n<td style=\"text-align: right;\">45,800 \u5143<\/td>\n<td style=\"text-align: right;\">30 \u5e74<\/td>\n<td>65 \u6b72\u8acb\u9818\u5e74\u91d1<\/td>\n<td>45,800\u00d730\u00d71.55%<\/td>\n<td style=\"text-align: right;\">\u6bcf\u6708 21,297 \u5143<\/td>\n<\/tr>\n<tr>\n<td>B. \u4e2d\u7b49\u85aa\u8cc7\uff0c\u60f3 60 \u6b72\u9000\u4f11<\/td>\n<td style=\"text-align: right;\">36,300 \u5143<\/td>\n<td style=\"text-align: right;\">25 \u5e74<\/td>\n<td>60 \u6b72\u6e1b\u984d\u5e74\u91d1<\/td>\n<td>36,300\u00d725\u00d71.55%\u00d780%<\/td>\n<td style=\"text-align: right;\">\u6bcf\u6708 11,253 \u5143<\/td>\n<\/tr>\n<tr>\n<td>C. \u5e74\u8cc7\u4e0d\u6eff 15 \u5e74<\/td>\n<td style=\"text-align: right;\">33,300 \u5143<\/td>\n<td style=\"text-align: right;\">12 \u5e74<\/td>\n<td>65 \u6b72\u8001\u5e74\u4e00\u6b21\u91d1<\/td>\n<td>33,300\u00d712 \u500b\u6708<\/td>\n<td style=\"text-align: right;\">\u4e00\u6b21 399,600 \u5143<\/td>\n<\/tr>\n<tr>\n<td>D. \u8eab\u9ad4\u597d\u3001\u6709\u5176\u4ed6\u6536\u5165\u6490\u5230 70 \u6b72<\/td>\n<td style=\"text-align: right;\">45,800 \u5143<\/td>\n<td style=\"text-align: right;\">35 \u5e74<\/td>\n<td>70 \u6b72\u5c55\u5ef6\u5e74\u91d1<\/td>\n<td>45,800\u00d735\u00d71.55%\u00d7120%<\/td>\n<td style=\"text-align: right;\">\u6bcf\u6708 29,816 \u5143<\/td>\n<\/tr>\n<tr>\n<td>E. \u4e2d\u7b49\u7d1a\u8ddd\uff0c\u6295\u4fdd 40 \u5e74<\/td>\n<td style=\"text-align: right;\">34,800\uff0f38,200 \u5143<\/td>\n<td style=\"text-align: right;\">40 \u5e74<\/td>\n<td>65 \u6b72\u8acb\u9818\u5e74\u91d1<\/td>\n<td>34,800\uff0838,200\uff09\u00d740\u00d71.55%<\/td>\n<td style=\"text-align: right;\">\u6bcf\u6708 21,576\uff0f23,684 \u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 58-1\u300158-2\u300159 \u689d\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\uff0c\u56db\u6368\u4e94\u5165\u5230\u5143<\/p>\n\n<p class=\"wp-block-paragraph\">B \u7684\u4eba\u5982\u679c\u80fd\u7b49\u5230 65 \u6b72\uff0c\u6bcf\u6708\u662f 14,066 \u5143\uff0c\u4f9d\u640d\u76ca\u5169\u5e73\u7684\u7b97\u6cd5\uff0c\u8981\u6d3b\u904e 85 \u6b72\uff0c\u7b49\u5f85\u624d\u5212\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">C \u7684\u4eba\u53ea\u5dee 3 \u5e74\u5c31\u80fd\u9818\u5e74\u91d1\uff1b\u5982\u679c\u96e2\u958b\u8077\u5834\u5f8c\u9084\u6703\u6709\u570b\u6c11\u5e74\u91d1\u5e74\u8cc7\uff0c65 \u6b72\u6642\u53ef\u4ee5\u4f75\u8a08\u5e74\u8cc7\u9078\u64c7\u5e74\u91d1\uff0c\u503c\u5f97\u5148\u8a66\u7b97\u518d\u6c7a\u5b9a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">D \u7684 29,816 \u5143\uff0c\u5df2\u7d93\u6bd4 A \u591a\u4e86 8,519 \u5143\uff0c\u9760\u7684\u662f\u591a 5 \u5e74\u5e74\u8cc7\u548c\u5ef6\u5f8c 5 \u5e74\uff0c\u4e0d\u662f\u66f4\u9ad8\u7684\u7d1a\u8ddd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">E \u7684\u5169\u500b\u7d1a\u8ddd\u5982\u679c\u7528 A \u5f0f\u7b97\uff0c\u5206\u5225\u662f 13,788 \u5143\u8207 14,842 \u5143\uff0c\u90fd\u6bd4 B \u5f0f\u4f4e\uff0c\u6240\u4ee5\u767c B \u5f0f\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u91d1\u8a66\u7b97\u4e00\u6b21\u9818\uff1a\u8001\u5e74\u4e00\u6b21\u91d1\u548c\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u5dee\u5728\u54ea\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u7684\u300c\u4e00\u6b21\u9818\u300d\u6709\u5169\u7a2e\uff0c\u540d\u5b57\u5f88\u50cf\uff0c\u689d\u4ef6\u548c\u7b97\u6cd5\u5b8c\u5168\u4e0d\u540c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8868 6\u3000\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u7684\u4e09\u7a2e\u9818\u6cd5<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th><\/th>\n<th>\u8001\u5e74\u5e74\u91d1<\/th>\n<th>\u8001\u5e74\u4e00\u6b21\u91d1<\/th>\n<th>\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u8ab0\u80fd\u9818<\/td>\n<td>\u5e74\u8cc7\u6eff 15 \u5e74\u3001\u9054\u8acb\u9818\u5e74\u9f61\u3001\u96e2\u8077\u9000\u4fdd<\/td>\n<td>\u9054\u8acb\u9818\u5e74\u9f61\u3001\u5e74\u8cc7\u672a\u6eff 15 \u5e74\u3001\u96e2\u8077\u9000\u4fdd<\/td>\n<td>98 \u5e74 1 \u6708 1 \u65e5\u4ee5\u524d\u5c31\u6709\u52de\u4fdd\u5e74\u8cc7\uff0c\u4e14\u7b26\u5408\u820a\u5236\u4e94\u7a2e\u689d\u4ef6\u4e4b\u4e00<\/td>\n<\/tr>\n<tr>\n<td>\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7<\/td>\n<td>\u6700\u9ad8 60 \u500b\u6708\u5e73\u5747<\/td>\n<td>\u6700\u9ad8 60 \u500b\u6708\u5e73\u5747<\/td>\n<td>\u9000\u4fdd\u7576\u6708\u8d77\u524d 3 \u5e74\u5e73\u5747<\/td>\n<\/tr>\n<tr>\n<td>\u600e\u9ebc\u7b97<\/td>\n<td>A\u3001B \u5f0f\u64c7\u512a\uff0c\u6309\u6708\u9818<\/td>\n<td>\u6bcf\u6eff 1 \u5e74\u7d66 1 \u500b\u6708<\/td>\n<td>\u524d 15 \u5e74\u6bcf\u5e74 1 \u500b\u6708\uff0c\u7b2c 16 \u5e74\u8d77\u6bcf\u5e74 2 \u500b\u6708\uff0c\u6700\u9ad8 45 \u500b\u6708\uff1b60 \u6b72\u5f8c\u7684\u5e74\u8cc7\u6700\u591a\u8a08 5 \u5e74\uff0c\u5408\u8a08\u6700\u9ad8 50 \u500b\u6708<\/td>\n<\/tr>\n<tr>\n<td>\u4f9d\u64da<\/td>\n<td>\u7b2c 58\u300158-1 \u689d<\/td>\n<td>\u7b2c 58\u300159 \u689d<\/td>\n<td>\u7b2c 58\u300159 \u689d<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b<sup>[4]<\/sup>\uff1b\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u8001\u5e74\u7d66\u4ed8\u8acb\u9818\u8cc7\u683c\u3009<sup>[8]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u7db2\u8def\u4e0a\u5e38\u8aaa\u7684\u52de\u4fdd\u300c\u65b0\u5236\u300d\u300c\u820a\u5236\u300d\uff0c\u6307\u7684\u591a\u534a\u5c31\u662f\u9019\u500b\uff1a2009 \u5e74\u52de\u4fdd\u5e74\u91d1\u4e0a\u8def\u5f8c\u662f\u5e74\u91d1\u5236\uff0c\u4e4b\u524d\u7684\u4e00\u6b21\u8acb\u9818\u662f\u820a\u5236\uff1b\u548c\u52de\u9000\u7684\u65b0\u820a\u5236\u662f\u5169\u56de\u4e8b\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8001\u5e74\u4e00\u6b21\u91d1\u662f\u7d66\u5e74\u8cc7\u4e0d\u5920 15 \u5e74\u7684\u4eba\uff0c\u7b97\u6cd5\u5f88\u55ae\u7d14\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7\uff0c\u4ee5\u6700\u9ad8\u7d1a\u8ddd\u3001\u5e74\u8cc7 14 \u5e74\u70ba\u4f8b\uff0c45,800\u00d714\uff1d641,200 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u662f\u7d66 98 \u5e74\u4ee5\u524d\u5c31\u6709\u5e74\u8cc7\u7684\u4eba\u7684\u9078\u64c7\u6b0a\uff0c\u6708\u6578\uff08\u4e5f\u5c31\u662f\u5f88\u591a\u4eba\u8aaa\u7684\u300c\u57fa\u6578\u300d\uff09\u9019\u6a23\u7b97\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u5e74\u8cc7<\/th>\n<th style=\"text-align: right;\">15 \u5e74<\/th>\n<th style=\"text-align: right;\">20 \u5e74<\/th>\n<th style=\"text-align: right;\">25 \u5e74<\/th>\n<th style=\"text-align: right;\">30 \u5e74\u4ee5\u4e0a<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u7d66\u4ed8\u6708\u6578<\/td>\n<td style=\"text-align: right;\">15<\/td>\n<td style=\"text-align: right;\">15\uff0b5\u00d72\uff1d25<\/td>\n<td style=\"text-align: right;\">15\uff0b10\u00d72\uff1d35<\/td>\n<td style=\"text-align: right;\">45\uff08\u4e0a\u9650\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u4ee5 45,800 \u5143\u8a08<\/td>\n<td style=\"text-align: right;\">687,000 \u5143<\/td>\n<td style=\"text-align: right;\">1,145,000 \u5143<\/td>\n<td style=\"text-align: right;\">1,603,000 \u5143<\/td>\n<td style=\"text-align: right;\">2,061,000 \u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">60 \u6b72\u4ee5\u5f8c\u7e7c\u7e8c\u5de5\u4f5c\u7684\u4eba\uff0c60 \u6b72\u5f8c\u7684\u5e74\u8cc7\u6700\u591a\u518d\u7b97 5 \u5e74\uff0c\u5408\u8a08\u6700\u9ad8 50 \u500b\u6708\uff0c\u4ee5 45,800 \u5143\u8a08\u662f 2,290,000 \u5143<sup>[4]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">E \u90a3\u5169\u500b\u7d1a\u8ddd\u5982\u679c\u662f\u6295\u4fdd 40 \u5e74\u4e00\u6b21\u8acb\u9818\uff0c\u540c\u6a23\u4ee5 45 \u500b\u6708\u8a08\uff0c34,800 \u5143\u662f 34,800\u00d745\uff1d1,566,000 \u5143\uff0c38,200 \u5143\u662f 38,200\u00d745\uff1d1,719,000 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u8acb\u9818\u7684\u4e94\u7a2e\u689d\u4ef6\uff0c\u90fd\u4e0d\u5fc5\u7b49\u5230 65 \u6b72<sup>[8]<\/sup>\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5e74\u8cc7\u6eff 1 \u5e74\uff0c\u5e74\u6eff 60 \u6b72\uff0c\u6216\u5973\u6027\u5e74\u6eff 55 \u6b72\u9000\u8077<\/li>\n<li>\u5e74\u8cc7\u6eff 15 \u5e74\uff0c\u5e74\u6eff 55 \u6b72\u9000\u8077<\/li>\n<li>\u5728\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u5e74\u8cc7\u6eff 25 \u5e74\u9000\u8077<\/li>\n<li>\u5e74\u8cc7\u6eff 25 \u5e74\uff0c\u5e74\u6eff 50 \u6b72\u9000\u8077<\/li>\n<li>\u5f9e\u4e8b\u5371\u96aa\u3001\u9700\u5805\u5f37\u9ad4\u529b\u7b49\u7279\u6b8a\u6027\u8cea\u5de5\u4f5c\u6eff 5 \u5e74\uff0c\u5e74\u6eff 55 \u6b72\u9000\u8077<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u300c\u52de\u4fdd\u6eff 25 \u5e74\u300150 \u6b72\u53ef\u4ee5\u9818\u591a\u5c11\u300d\uff0c\u8981\u770b\u5e74\u8cc7\u5f9e\u54ea\u4e00\u5e74\u958b\u59cb\uff1a\u5982\u679c\u4f60 98 \u5e74\u4ee5\u524d\u5c31\u6709\u5e74\u8cc7\uff0c\u53ef\u4ee5\u9078\u4e00\u6b21\u8acb\u9818\uff0c\u4ee5\u9000\u4fdd\u524d 3 \u5e74\u5e73\u5747 45,800 \u5143\u8a08\uff0c\u662f 35 \u500b\u6708\u30011,603,000 \u5143\uff1b\u6c92\u6709 98 \u5e74\u4ee5\u524d\u7684\u5e74\u8cc7\uff0c\u5c31\u53ea\u80fd\u7b49\u5230 65 \u6b72\u9818\u5e74\u91d1\uff08\u5e74\u8cc7\u6eff 15 \u5e74\u5c31\u53ef\u4ee5\uff0c\u63d0\u524d\u4e5f\u6700\u65e9\u53ea\u80fd\u5230 60 \u6b72\uff09\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u9000\u4f11\u91d1\u6708\u9818\u9084\u662f\u4e00\u6b21\u9818\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u80fd\u9078\u7684\u4eba\uff0c\u5176\u5be6\u5c31\u662f 98 \u5e74\u4ee5\u524d\u6709\u5e74\u8cc7\u7684\u90a3\u4e00\u7fa4\uff1b\u4e4b\u5f8c\u624d\u958b\u59cb\u6295\u4fdd\u7684\u4eba\uff0c\u5e74\u8cc7\u6eff 15 \u5e74\u5c31\u662f\u5e74\u91d1\uff0c\u6c92\u5f97\u9078\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5c40\u8209\u904e\u4e00\u500b\u4f8b\u5b50<sup>[9]<\/sup>\uff1a51 \u5e74\u6b21\u7684\u70cf\u5148\u751f 59 \u6b72\u9000\u4f11\uff0c\u5e74\u8cc7 19 \u5e74\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 4 \u842c\u5143\uff0c\u4e09\u7a2e\u9818\u6cd5\u5982\u4e0b\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>59 \u6b72\u4e00\u6b21\u8acb\u9818\uff1a19 \u5e74\u662f 15\uff0b4\u00d72\uff1d23 \u500b\u6708\uff0c40,000\u00d723\uff1d920,000 \u5143<\/li>\n<li>60 \u6b72\u6e1b\u984d\u5e74\u91d1\uff1a40,000\u00d719\u00d71.55%\uff1d11,780 \u5143\uff0c\u6e1b 20% \u5f8c\u6bcf\u6708 9,424 \u5143<\/li>\n<li>65 \u6b72\u5e74\u91d1\uff1a\u6bcf\u6708 11,780 \u5143\uff0c\u82e5 59 \u6b72\u9000\u4fdd\u5f8c\u52a0\u5165\u570b\u4fdd\uff0c65 \u6b72\u518d\u52a0\u570b\u4fdd\u8001\u5e74\u5e74\u91d1 1,920 \u5143\uff0c\u5408\u8a08 13,700 \u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5c40\u7684\u7d50\u8ad6\u662f\uff1a\u6c92\u6709\u7d55\u5c0d\u6bd4\u8f03\u597d\u7684\u9818\u6cd5\uff0c\u8981\u770b\u8cc7\u91d1\u9700\u6c42\u3001\u5bb6\u5ead\u3001\u7528\u9322\u7fd2\u6163\u548c\u5065\u5eb7\u72c0\u6cc1<sup>[9]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u540c\u610f\uff0c\u4e0d\u904e\u6709\u5e7e\u500b\u4e8b\u5be6\u53ef\u4ee5\u5148\u7b97\u6e05\u695a\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u662f\u56de\u672c\u6642\u9593\uff1a\u4ee5\u6700\u9ad8\u7d1a\u8ddd\u3001\u5e74\u8cc7 30 \u5e74\u7684\u4eba\u4f86\u8aaa\uff0c\u4e00\u6b21\u8acb\u9818 2,061,000 \u5143\uff0c65 \u6b72\u5e74\u91d1\u6bcf\u6708 21,297 \u5143\uff0c2,061,000\u00f721,297\u224897 \u500b\u6708\uff0c\u5927\u7d04 8 \u5e74\uff0c\u4e5f\u5c31\u662f\u6d3b\u904e 73 \u6b72\uff0c\u5e74\u91d1\u7684\u7d2f\u8a08\u5c31\u8d85\u904e\u4e00\u6b21\u9818\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\uff0c\u5e74\u91d1\u662f\u7d42\u8eab\u7d66\u4ed8\uff0c\u52de\u4fdd\u5c40\u7684\u8aaa\u6cd5\u662f\u300c\u6d3b\u5230\u8001\uff0c\u9818\u5230\u8001\u300d\uff0c\u6c92\u6709\u5e74\u9f61\u6216\u671f\u9593\u4e0a\u9650<sup>[1]<\/sup>\uff1b\u9019\u662f\u52de\u4fdd\u548c\u52de\u9000\u6700\u5927\u7684\u4e0d\u540c\uff0c\u52de\u9000\u7684\u6708\u9000\u4f11\u91d1\u53ea\u767c\u5230\u5e73\u5747\u9918\u547d\u70ba\u6b62\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e09\uff0c\u5e74\u91d1\u6703\u96a8\u7269\u50f9\u8abf\u6574\uff1a\u6d88\u8cbb\u8005\u7269\u50f9\u6307\u6578\uff08consumer price index\uff0cCPI\uff09\u7d2f\u8a08\u6210\u9577\u9054 5% \u6642\uff0c\u5e74\u91d1\u5c31\u4f9d\u6210\u9577\u7387\u8abf\u6574\uff08\u7b2c 65-4 \u689d\uff09<sup>[4]<\/sup>\uff1b\u4eca\u5e74 5 \u6708\u8d77\uff0c100\u3001101\u3001105\uff5e107\u3001111 \u9019\u5e7e\u500b\u5e74\u5ea6\u958b\u59cb\u8acb\u9818\u7684\u4eba\u8abf\u9ad8\u4e86 6.46%\uff0c\u5e73\u5747\u6bcf\u6708\u591a 1,200 \u591a\u5143<sup>[3]<\/sup>\u3002\u4ee5\u6bcf\u6708 21,297 \u5143\u4f86\u770b\uff0c\u8abf\u9ad8 6.46% \u5f8c\u7d04 22,673 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u56db\uff0c\u5e74\u91d1\u9818\u53d6\u671f\u9593\u8eab\u6545\uff0c\u7b26\u5408\u689d\u4ef6\u7684\u907a\u5c6c\u53ef\u4ee5\u8acb\u9818\u907a\u5c6c\u5e74\u91d1\uff1b98 \u5e74\u4ee5\u524d\u6709\u5e74\u8cc7\u7684\u4eba\uff0c\u907a\u5c6c\u4e5f\u53ef\u4ee5\u9078\u64c7\u4e00\u6b21\u9818\u56de\u300c\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u6263\u6389\u5df2\u9818\u5e74\u91d1\u300d\u7684\u5dee\u984d\uff08\u7b2c 63-1 \u689d\uff09<sup>[4]<\/sup>\uff0c\u6240\u4ee5\u65e9\u8d70\u4e0d\u4ee3\u8868\u5168\u90e8\u6b78\u96f6\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e94\uff0c\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u5c6c\u65bc\u4fdd\u96aa\u7d66\u4ed8\uff0c\u4f9d\u300a\u6240\u5f97\u7a05\u6cd5\u300b\u7b2c 4 \u689d\u7b2c 1 \u9805\u7b2c 7 \u6b3e\u514d\u7d0d\u6240\u5f97\u7a05<sup>[10]<\/sup>\uff0c\u4e00\u6b21\u9818\u6216\u6708\u9818\u90fd\u4e00\u6a23\uff1b\u9000\u4f11\u91d1\u7a05\u52d9\u7684\u5b8c\u6574\u6574\u7406\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14449\">\u9000\u4f11\u91d1\u8981\u7e73\u7a05\u55ce<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u5c11\u4eba\u9078\u4e00\u6b21\u9818\uff0c\u662f\u64d4\u5fc3\u52de\u4fdd\u57fa\u91d1\u54ea\u5929\u6c92\u9322\uff1a\u4eca\u5e74 1 \u6708 21 \u65e5\u516c\u5e03\u7684\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u4fee\u6b63\uff0c\u628a\u300c\u52de\u5de5\u4fdd\u96aa\u4e4b\u8ca1\u52d9\uff0c\u7531\u4e2d\u592e\u653f\u5e9c\u8ca0\u6700\u5f8c\u652f\u4ed8\u8cac\u4efb\u300d\u5beb\u9032\u7b2c 69 \u689d\uff0c\u540c\u6642\u628a\u653f\u5e9c\u6bcf\u5e74\u7de8\u5217\u9810\u7b97\u64a5\u88dc\u5beb\u9032\u7b2c 66 \u689d<sup>[4]<\/sup>\uff1b\u52de\u52d5\u90e8\u5728\u4fee\u6cd5\u8aaa\u660e\u88e1\u63d0\u5230\uff0c\u653f\u5e9c\u81ea 2020 \u5e74\u8d77\u9010\u5e74\u64a5\u88dc\uff0c\u57fa\u91d1\u898f\u6a21\u5df2\u9054 1.2 \u5146\u5143<sup>[11]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5236\u5ea6\u4ee5\u5f8c\u6703\u4e0d\u6703\u518d\u6539\u3001\u600e\u9ebc\u6539\uff0c\u6211\u4e0d\u77e5\u9053\uff0c\u6c92\u6709\u4eba\u77e5\u9053\uff1b\u4e0d\u904e\u4ee5\u73fe\u884c\u6cd5\u5f8b\u4f86\u8aaa\uff0c\u5e74\u91d1\u7684\u767c\u653e\u5df2\u7d93\u6709\u570b\u5bb6\u7684\u652f\u4ed8\u8cac\u4efb\u5728\u5f8c\u9762\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u548c\u52de\u9000\u53ef\u4ee5\u4e00\u8d77\u9818\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\uff0c\u5169\u500b\u662f\u4e0d\u540c\u7684\u5236\u5ea6\uff0c\u5404\u7b97\u5404\u7684\uff1a\u52de\u4fdd\u662f\u793e\u6703\u4fdd\u96aa\uff0c\u4f9d\u516c\u5f0f\u7b97\u3001\u7d42\u8eab\u9818\uff0c2026 \u5e74\u8d77 65 \u6b72\u8acb\u9818\uff1b\u52de\u9000\u65b0\u5236\u662f\u96c7\u4e3b\u6bcf\u6708\u66ff\u4f60\u63d0\u7e73 6% \u5230\u500b\u4eba\u5c08\u6236\uff0c60 \u6b72\u5c31\u80fd\u9818\uff0c\u6708\u9818\u53ea\u767c\u5230\u5e73\u5747\u9918\u547d\u70ba\u6b62\uff0c\u5c08\u6236\u88e1\u6709\u591a\u5c11\u5c31\u9818\u591a\u5c11\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u5c08\u6236\u600e\u9ebc\u7b97\u3001\u4e00\u6b21\u9818\u9084\u662f\u6708\u9818\u3001\u81ea\u63d0\u5212\u4e0d\u5212\u7b97\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u5de5\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u9000\u65b0\u5236\u8a66\u7b97\u3001\u8acb\u9818\u8207\u4e00\u6b21\u9818\u6708\u9818\u53d6\u6368<\/a>\u6709\u5b8c\u6574\u8a66\u7b97\uff1b\u52de\u4fdd\u672c\u8eab\u7684\u4fdd\u969c\u9805\u76ee\u8207\u8acb\u9818\u8cc7\u683c\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13164\">\u52de\u4fdd\u662f\u4ec0\u9ebc\uff1f\u52de\u4fdd\u8ddf\u52de\u9000\u5dee\u5728\u54ea\uff1f<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u91d1\u67e5\u8a62\uff1a\u53bb\u54ea\u88e1\u67e5\u5e74\u8cc7\u3001\u81ea\u5df1\u8a66\u7b97\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u901a\u7528\u7684\u5c0d\u7167\u8868\u53ea\u80fd\u4f30\u500b\u5927\u6982\uff0c\u81ea\u5df1\u7684\u6578\u5b57\uff0c\u8981\u7528\u81ea\u5df1\u7684\u6295\u4fdd\u7d00\u9304\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5c40\u6709\u5169\u500b\u5730\u65b9\u53ef\u4ee5\u7528\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u52de\u4fdd\u5c40\u300c\u52de\u5de5\u4fdd\u96aa\u8001\u5e74\u7d66\u4ed8\u53ca\u52de\u5de5\u9000\u4f11\u91d1\u6708\u9000\u4f11\u91d1\u6574\u5408\u8a66\u7b97\u300d\uff1a\u8f38\u5165\u51fa\u751f\u5e74\u5ea6\u3001\u9810\u8a08\u8acb\u9818\u5e74\u9f61\u3001\u6700\u9ad8 60 \u500b\u6708\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u3001\u9000\u4fdd\u524d 3 \u5e74\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u4ee5\u53ca 60 \u6b72\u524d\u5f8c\u7684\u5e74\u8cc7\uff0c\u6703\u540c\u6642\u7b97\u51fa A\u3001B \u5f0f\u5e74\u91d1\u8207\u4e00\u6b21\u8acb\u9818\u91d1\u984d\uff0c\u4e5f\u80fd\u9806\u4fbf\u7b97\u52de\u9000\u6708\u9000\u4f11\u91d1<sup>[12]<\/sup><\/li>\n<li>\u52de\u4fdd\u5c40 <a href=\"https:\/\/edesk.bli.gov.tw\/aa\/\" target=\"_blank\" rel=\"noopener\">e \u5316\u670d\u52d9\u7cfb\u7d71<\/a>\uff1a\u7528\u81ea\u7136\u4eba\u6191\u8b49\u6216\u624b\u6a5f\u8a8d\u8b49\u767b\u5165\u5f8c\uff0c\u53ef\u4ee5\u4f9d\u52de\u4fdd\u5c40\u8cc7\u6599\u5eab\u88e1\u4f60\u7684\u5be6\u969b\u7d00\u9304\u8a66\u7b97<sup>[12]<\/sup><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u767b\u5165\u4e4b\u5f8c\uff0c\u5efa\u8b70\u770b\u56db\u4ef6\u4e8b\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u7d2f\u8a08\u5e74\u8cc7\u96e2 15 \u5e74\u9084\u5dee\u591a\u5c11\uff0c\u9019\u6c7a\u5b9a\u4f60\u80fd\u4e0d\u80fd\u9818\u5e74\u91d1<\/li>\n<li>\u6700\u9ad8 60 \u500b\u6708\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u662f\u4e0d\u662f\u5df2\u7d93\u5728 45,800 \u5143<\/li>\n<li>\u6709\u6c92\u6709 98 \u5e74\u4ee5\u524d\u7684\u5e74\u8cc7\uff0c\u6709\u7684\u8a71\uff0c\u4f60\u591a\u4e00\u500b\u4e00\u6b21\u8acb\u9818\u7684\u9078\u9805<\/li>\n<li>\u6bcf\u4e00\u6bb5\u7684\u6295\u4fdd\u85aa\u8cc7\u548c\u7576\u6642\u7684\u5be6\u969b\u6708\u85aa\u5c0d\u4e0d\u5c0d\u5f97\u4e0a\uff0c\u88ab\u4f4e\u5831\u7684\u8a71\u8d8a\u65e9\u767c\u73fe\u8d8a\u597d\u8655\u7406<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">\u96e2\u9000\u4f11\u9084\u6709\u5e7e\u5e74\uff0c\u73fe\u5728\u53ef\u4ee5\u5148\u505a\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709 20 \u5e74\u4ee5\u4e0a\uff1a\u5148\u78ba\u8a8d\u6295\u4fdd\u85aa\u8cc7\u6709\u6c92\u6709\u88ab\u4f4e\u5831\uff1b\u52de\u4fdd\u5e74\u91d1\u770b\u7684\u662f\u6700\u9ad8 60 \u500b\u6708\uff0c\u6240\u4ee5\u524d\u9762\u7684\u5e74\u4efd\u4e0d\u5fc5\u7126\u616e\uff0c\u8981\u9867\u7684\u662f\u5e74\u8cc7\u4e0d\u8981\u65b7\uff0c\u4e00\u5e74\u4e00\u5e74\u7d2f\u7a4d\u4e0a\u53bb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709 10 \u5e74\u5de6\u53f3\uff1a\u767b\u5165 e \u5316\u670d\u52d9\u7cfb\u7d71\uff0c\u628a\u7d2f\u8a08\u5e74\u8cc7\u548c\u6700\u9ad8 60 \u500b\u6708\u5e73\u5747\u6293\u51fa\u4f86\uff0c\u5957\u8868 2 \u4f30\u4e00\u500b\u6578\u5b57\uff1b\u5982\u679c\u5e74\u8cc7\u96e2 15 \u5e74\u9084\u5dee\u4e00\u6bb5\uff0c\u60f3\u60f3\u4e2d\u9593\u6709\u6c92\u6709\u53ef\u80fd\u51fa\u73fe\u7a7a\u7a97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709 5 \u5e74\u4ee5\u5167\uff1a\u628a\u52de\u4fdd\u5e74\u91d1\u3001\u52de\u9000\u6708\u9000\u4f11\u91d1\u548c\u81ea\u5df1\u7684\u5b58\u6b3e\u653e\u5728\u540c\u4e00\u5f35\u6642\u9593\u8ef8\u4e0a\uff0c\u52de\u9000 60 \u6b72\u53ef\u4ee5\u9818\u3001\u52de\u4fdd 65 \u6b72\u624d\u662f\u5168\u984d\uff0c\u4e2d\u9593\u9019 5 \u5e74\u9760\u4ec0\u9ebc\u904e\uff0c\u6703\u6c7a\u5b9a\u4f60\u8981\u4e0d\u8981\u63d0\u524d\u9818\u6e1b\u984d\u5e74\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5df2\u7d93\u5230\u4e86\u8acb\u9818\u5e74\u9f61\uff1a\u8a18\u5f97\u8981\u96e2\u8077\u9000\u4fdd\u624d\u80fd\u9818\uff1b\u6709 98 \u5e74\u4ee5\u524d\u5e74\u8cc7\u7684\u4eba\uff0c\u7528\u52de\u4fdd\u5c40\u7684\u6574\u5408\u8a66\u7b97\u628a\u4e00\u6b21\u8acb\u9818\u548c\u5e74\u91d1\u90fd\u7b97\u51fa\u4f86\uff0c\u518d\u7b97\u4e00\u6b21\u56de\u672c\u8981\u5e7e\u5e74\u624d\u6c7a\u5b9a\uff0c\u56e0\u70ba\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u4e00\u7d93\u6838\u4ed8\u5c31\u4e0d\u80fd\u6539<sup>[8]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u91ab\u7642\u8cbb\u7528\u3001\u63d0\u65e9\u958b\u59cb\u3001\u5efa\u7acb\u7368\u7acb\u7684\u9000\u4f11\u5e33\u6236\u3001\u81ea\u52d5\u5316\u5132\u84c4\u3001\u4f9d\u4eba\u751f\u968e\u6bb5\u8abf\u6574\uff0c\u9019\u4e9b\u5c6c\u65bc\u6574\u9ad4\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283<\/a>\uff1b\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u5404\u81ea\u600e\u9ebc\u7b97\u7684\u7e3d\u6574\u7406\uff0c\u5247\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14465\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1a\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u9000\u4f11\u91d1\u8a08\u7b97\u516c\u5f0f\u7e3d\u6574\u7406<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4eca\u5929\u53ea\u505a\u4e00\u4ef6\u4e8b\uff0c\u5c31\u767b\u5165 e \u5316\u670d\u52d9\u7cfb\u7d71\uff0c\u628a\u81ea\u5df1\u7684\u300c\u6700\u9ad8 60 \u500b\u6708\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u300d\u548c\u7d2f\u8a08\u5e74\u8cc7\u6284\u4e0b\u4f86\uff0c\u5957\u9032\u8868 2\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u662f\u9000\u4f11\u6536\u5165\u7684\u4fdd\u5e95\uff0c\u800c\u4e14\u9019\u500b\u4fdd\u5e95\u5f88\u7a69\uff1a\u5b83\u7d42\u8eab\u7d66\u4ed8\u3001\u6703\u96a8\u7269\u50f9\u8abf\u6574\uff0c\u4ee5\u73fe\u884c\u6cd5\u5f8b\u9084\u6709\u4e2d\u592e\u653f\u5e9c\u8ca0\u6700\u5f8c\u652f\u4ed8\u8cac\u4efb\uff0c\u9019\u4e09\u500b\u689d\u4ef6\u540c\u6642\u6210\u7acb\u7684\u6536\u5165\uff0c\u81ea\u5df1\u5728\u5e02\u5834\u4e0a\u5f88\u96e3\u8cb7\u5230\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\u4fdd\u5e95\u5c31\u662f\u4fdd\u5e95\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u6700\u9ad8\u7d1a\u8ddd\u3001\u5e74\u8cc7 30 \u5e74\u4f86\u770b\uff0c\u6bcf\u6708 21,297 \u5143\u7684\u6240\u5f97\u66ff\u4ee3\u7387\uff08replacement rate\uff09\u5927\u7d04\u662f\u6295\u4fdd\u85aa\u8cc7 45,800 \u5143\u7684 46.5%\uff0821,297\u00f745,800\uff09\uff1b\u5982\u679c\u4f60\u7684\u6708\u85aa\u662f 8 \u842c\u5143\uff0c\u5b83\u53ea\u5360 26.6%\uff0821,297\u00f780,000\uff09\uff0c\u85aa\u6c34\u8d8a\u9ad8\uff0c\u52de\u4fdd\u80fd\u88dc\u7684\u6bd4\u4f8b\u8d8a\u4f4e\uff0c\u9019\u662f\u6295\u4fdd\u85aa\u8cc7\u6709\u4e0a\u9650\u7684\u4ee3\u50f9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u6211\u89ba\u5f97\u7b97\u52de\u4fdd\uff0c\u9664\u4e86\u300c\u6211\u80fd\u9818\u591a\u5c11\u300d\uff0c\u66f4\u8981\u7b97\u300c\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u8981\u82b1\u591a\u5c11\uff0c\u52de\u4fdd\u4e4b\u5916\u9084\u5dee\u591a\u5c11\u300d\uff0c\u9019\u500b\u5dee\u8ddd\u8981\u9760\u52de\u9000\uff0c\u4ee5\u53ca\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u81f3\u65bc\u5e7e\u6b72\u9818\uff0c\u6211\u89ba\u5f97\u63d0\u524d\u9818\u6e1b\u984d\u5e74\u91d1\uff0c\u672c\u8cea\u4e0a\u662f\u7528\u78ba\u5b9a\u7684 20% \u6298\u6263\uff0c\u53bb\u63db\u65e9 5 \u5e74\u62ff\u5230\u9322\uff1b\u5728 65 \u6b72\u524d\u6c92\u6709\u5176\u4ed6\u6536\u5165\u53ef\u4ee5\u6490\u7684\u6642\u5019\uff0c\u9019\u500b\u4ea4\u63db\u5f88\u5408\u7406\uff0c\u5982\u679c\u6490\u5f97\u4f4f\uff0c\u7b49\u5230 65 \u6b72\uff0c\u7b49\u65bc\u66ff\u81ea\u5df1\u7684\u9577\u58fd\u98a8\u96aa\uff08longevity risk\uff09\u591a\u8cb7\u4e86\u4e00\u4efd\u4fdd\u96aa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u80fd\u9078\u4e00\u6b21\u8acb\u9818\u7684\u4eba\uff0c\u6211\u89ba\u5f97\u4e0d\u8981\u53ea\u770b\u4e00\u6b21\u62ff\u5230\u7684\u6578\u5b57\u6709\u591a\u5927\uff0c\u8981\u554f\u81ea\u5df1\uff1a\u9019\u7b46\u9322\u4ea4\u7d66\u4f60\uff0c8 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rel=\"noreferrer noopener\"><strong>\u52a0 LINE\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/strong><\/a><\/div>\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/roboadvisor.com.tw\/portfolio-calculator\/?Camp=Blog\" style=\"border-radius:50px;color:#006ece;background-color:#ffffff;border:2px solid #006ece;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>\u514d\u8cbb\u8a66\u7b97\u6295\u8cc7\u7d44\u5408<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd 45800 \u6708\u9000\u8a66\u7b97\uff0c60 \u6b72\u548c 65 \u6b72\u5404\u9818\u591a\u5c11\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 45,800 \u5143\u3001\u5e74\u8cc7 30 \u5e74\u8a08\u7b97\uff0c65 \u6b72\u8acb\u9818\u6bcf\u6708 45,800\u00d730\u00d71.55%\u224821,297 \u5143\uff0c60 \u6b72\u63d0\u524d 5 \u5e74\u8acb\u9818\u6e1b\u7d66 20%\uff0c\u6bcf\u6708\u7d04 17,038 \u5143\uff1b\u5e74\u8cc7 35 \u5e74\u5206\u5225\u7d04 24,847 \u5143\u8207 19,878 \u5143\uff0c40 \u5e74\u7d04 28,396 \u5143\u8207 22,717 \u5143\u3002\u6e1b\u7d66\u6bd4\u4f8b\u6838\u5b9a\u5f8c\u5c31\u56fa\u5b9a\uff0c\u4e0d\u6703\u5230 65 \u6b72\u6539\u56de\u5168\u984d\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd\u6700\u9ad8\u6295\u4fdd\u85aa\u8cc7\u662f\u591a\u5c11\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74\u52de\u4fdd\u6295\u4fdd\u85aa\u8cc7\u6700\u9ad8\u4e00\u7d1a\u662f 45,800 \u5143\uff0c\u6708\u85aa\u8cc7\u7e3d\u984d 43,901 \u5143\u4ee5\u4e0a\u7684\u4eba\u90fd\u4ee5 45,800 \u5143\u6295\u4fdd\uff0c\u6708\u85aa\u518d\u9ad8\u4e5f\u4e00\u6a23\uff1b\u6700\u4f4e\u4e00\u7d1a\u662f 29,500 \u5143\uff0c\u90e8\u5206\u5de5\u6642\u53e6\u6709\u8f03\u4f4e\u7d1a\u8ddd\u3002\u4ee5 45,800 \u5143\u6295\u4fdd\uff0c\u52de\u5de5\u6bcf\u6708\u81ea\u4ed8\u666e\u901a\u4e8b\u6545\u8207\u5c31\u696d\u4fdd\u96aa\u8cbb\u7d04 1,145 \u5143\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd\u6eff 15 \u5e74\u300130 \u5e74\u53ef\u4ee5\u9818\u591a\u5c11\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u4ee5 65 \u6b72\u8acb\u9818\u3001B \u5f0f\u8a08\u7b97\uff0c\u7b97\u6cd5\u662f\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u00d7\u5e74\u8cc7\u00d71.55%\uff1a\u6eff 15 \u5e74\uff0c\u6700\u9ad8\u7d1a\u8ddd 45,800 \u5143\u6bcf\u6708\u7d04 10,649 \u5143\uff0c\u6700\u4f4e\u4e00\u7d1a 29,500 \u5143\u7d04 6,859 \u5143\uff1b\u6eff 30 \u5e74\uff0c30,300 \u5143\u6bcf\u6708\u7d04 14,090 \u5143\uff0c36,300 \u5143\u7d04 16,880 \u5143\uff0c45,800 \u5143\u7d04 21,297 \u5143\uff0c\u5176\u4ed6\u7d1a\u8ddd\u5957\u540c\u4e00\u500b\u7b97\u5f0f\u5373\u53ef\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd 45800 \u4e00\u6b21\u9818\u53ef\u4ee5\u9818\u591a\u5c11\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u8981\u770b\u662f\u54ea\u4e00\u7a2e\u4e00\u6b21\u9818\uff1a\u5e74\u8cc7\u672a\u6eff 15 \u5e74\u7684\u8001\u5e74\u4e00\u6b21\u91d1\uff0c\u662f 45,800 \u00d7 \u5e74\u8cc7\uff0c\u4f8b\u5982 14 \u5e74 641,200 \u5143\uff1b98 \u5e74\u4ee5\u524d\u6709\u5e74\u8cc7\u3001\u9078\u64c7\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u7684\u4eba\uff0c\u6700\u9ad8 45 \u500b\u6708\u30012,061,000 \u5143\uff0c60 \u6b72\u5f8c\u7e7c\u7e8c\u5de5\u4f5c\uff0c\u6700\u591a 50 \u500b\u6708\u30012,290,000 \u5143\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u8cc7\u600e\u9ebc\u8a08\u7b97\uff1f\u6700\u9ad8\u7b97\u5e7e\u5e74\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5e74\u8cc7\u6309\u5be6\u969b\u52a0\u4fdd\u671f\u9593\u8a08\u7b97\uff0c\u63db\u904e\u516c\u53f8\u524d\u5f8c\u5408\u4f75\uff0c\u672a\u6eff 1 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