{"id":13147,"date":"2025-02-21T16:09:53","date_gmt":"2025-02-21T08:09:53","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13147"},"modified":"2025-02-21T16:09:53","modified_gmt":"2025-02-21T08:09:53","slug":"%e5%8f%b0%e7%81%a3%e5%8b%9e%e9%80%80%e6%96%b0%e5%88%b6%e8%88%87%e8%88%8a%e5%88%b6%ef%bc%9a%e8%83%bd%e5%90%a6%e5%90%8c%e6%99%82%e9%a0%98%e5%8f%96%ef%bc%9f%e5%b7%ae%e7%95%b0%e8%88%87%e6%af%94%e8%bc%83","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13147","title":{"rendered":"\u52de\u9000\u65b0\u5236\u8207\u820a\u5236\uff1a\u80fd\u5426\u540c\u6642\u9818\u53d6\uff1f\u5dee\u7570\u8207\u6bd4\u8f03"},"content":{"rendered":"\n<p>\u53f0\u7063\u7684\u52de\u5de5\u9000\u4f11\u91d1\u5236\u5ea6\u5206\u70ba\u820a\u5236\u548c\u65b0\u5236\uff0c\u5169\u8005\u56e0\u65bd\u884c\u6642\u9593\u3001\u8a08\u7b97\u65b9\u5f0f\u53ca\u9818\u53d6\u689d\u4ef6\u4e0d\u540c\uff0c\u9069\u7528\u5c0d\u8c61\u8207\u9000\u4f11\u898f\u5283\u4e5f\u96a8\u4e4b\u6709\u6240\u5dee\u7570\u3002\u4ee5\u4e0b\u5c07\u8a73\u7d30\u89e3\u7b54\u300c\u65b0\u820a\u5236\u9000\u4f11\u91d1\u80fd\u5426\u540c\u6642\u9818\u53d6\u300d\u4ee5\u53ca\u300c\u5169\u8005\u7684\u5dee\u7570\u8207\u6bd4\u8f03\u300d\uff0c\u5e6b\u52a9\u52de\u5de5\u66f4\u6e05\u695a\u4e86\u89e3\u81ea\u8eab\u7684\u6b0a\u76ca\u8207\u9078\u64c7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u9000\u65b0\u820a\u5236\u9000\u4f11\u91d1\u80fd\u5426\u540c\u6642\u9818\u53d6\uff1f<\/h2>\n\n\n\n<p>\u52de\u9000\u65b0\u5236\u65bc2005\u5e747\u67081\u65e5\u6b63\u5f0f\u65bd\u884c\uff0c\u82e5\u52de\u5de5\u7684\u8077\u696d\u751f\u6daf\u6a6b\u8de8\u65b0\u820a\u5236\uff0c\u4e14\u7b26\u5408\u5404\u81ea\u7684\u8acb\u9818\u689d\u4ef6\uff0c<strong>\u539f\u5247\u4e0a\u53ef\u4ee5\u540c\u6642\u9818\u53d6\u820a\u5236\u8207\u65b0\u5236\u7684\u9000\u4f11\u91d1<\/strong>\u3002<\/p>\n\n\n\n<p>\u820a\u5236\u9000\u4f11\u91d1\u7531\u96c7\u4e3b\u6839\u64da\u300a\u52de\u52d5\u57fa\u6e96\u6cd5\u300b\u652f\u4ed8\uff0c\u800c\u65b0\u5236\u9000\u4f11\u91d1\u5247\u5f9e\u52de\u5de5\u500b\u4eba\u9000\u4f11\u91d1\u5c08\u6236\u4e2d\u63d0\u53d6\uff0c\u5169\u8005\u8cc7\u91d1\u4f86\u6e90\u4e0d\u540c\uff0c\u4e0d\u6703\u4e92\u76f8\u885d\u7a81\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u80fd\u5426\u540c\u6642\u9818\u53d6<strong>\u4ecd\u6709\u689d\u4ef6\u9650\u5236<\/strong>\u3002<\/p>\n\n\n\n<p>\u820a\u5236\u5e74\u8cc7\u9069\u7528\u65bc2005\u5e747\u67081\u65e5\u4e4b\u524d\u7684\u5de5\u4f5c\u5e74\u8cc7\uff0c\u52de\u5de5\u9700\u5728\u540c\u4e00\u4e8b\u696d\u55ae\u4f4d\u7b26\u5408\u9000\u4f11\u689d\u4ef6\uff08\u5982\u5de5\u4f5c\u6eff25\u5e74\uff0c\u6216\u6eff15\u5e74\u4e14\u5e74\u6eff55\u6b72\uff0c\u6216\u6eff10\u5e74\u4e14\u5e74\u6eff60\u6b72\uff09\u624d\u80fd\u5411\u96c7\u4e3b\u8acb\u9818\u3002\u82e5\u96e2\u8077\u6642\u672a\u7d50\u6e05\u820a\u5236\u5e74\u8cc7\uff0c\u5247\u53ef\u4fdd\u7559\u81f3\u7b26\u5408\u689d\u4ef6\u6642\u518d\u9818\u53d6\u3002<\/p>\n\n\n\n<p>\u65b0\u5236\u5e74\u8cc7\u5247\u5f9e2005\u5e747\u67081\u65e5\u8d77\u7b97\uff0c\u96c7\u4e3b\u6bcf\u6708\u63d0\u64a5\u81f3\u500b\u4eba\u5c08\u6236\uff0c\u52de\u5de5\u5e74\u6eff60\u6b72\u5373\u53ef\u7533\u8acb\u3002\u56e0\u6b64\uff0c\u53ea\u8981\u5e74\u8cc7\u6a6b\u8de8\u65b0\u820a\u5236\u4e14\u672a\u63d0\u524d\u7d50\u6e05\u820a\u5236\uff0c\u540c\u6642\u9818\u53d6\u662f\u53ef\u884c\u7684\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">\u9805\u76ee<\/th><th>\u52de\u9000\u820a\u5236<\/th><th>\u52de\u9000\u65b0\u5236<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u9000\u9069\u7528\u6642\u9593\u8207\u5c0d\u8c61<\/td><td>2005\u5e747\u67081\u65e5\u524d\u5df2\u53d7\u50f1\u52de\u5de5\uff0c\u4f9d\u300a\u52de\u52d5\u57fa\u6e96\u6cd5\u300b\uff0c\u53ef\u9078\u64c7\u4fdd\u7559\u6216\u8f49\u65b0\u5236<\/td><td>2005\u5e747\u67081\u65e5\u8d77\u65b0\u9032\u52de\u5de5\u5f37\u5236\u9069\u7528\uff0c\u4f9d\u300a\u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b\u300b\uff0c\u820a\u5236\u52de\u5de5\u53ef\u8f49\u5165<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u9000\u8cc7\u91d1\u4f86\u6e90\u8207\u7ba1\u7406<\/td><td>\u96c7\u4e3b\u63d0\u64a5\u85aa\u8cc7\u7e3d\u984d2%-15%\u81f3\u52de\u5de5\u9000\u4f11\u6e96\u5099\u91d1\u5c08\u6236\uff0c\u5c6c\u96c7\u4e3b\u6240\u6709\uff0c\u7531\u53f0\u7063\u9280\u884c\u7ba1\u7406<\/td><td>\u96c7\u4e3b\u63d0\u64a5\u81f3\u5c116%\uff08\u52de\u5de5\u53ef\u81ea\u63d0\u6700\u591a6%\uff09\u81f3\u500b\u4eba\u5c08\u6236\uff0c\u5c6c\u52de\u5de5\u6240\u6709\uff0c\u7531\u52de\u4fdd\u5c40\u7ba1\u7406<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u9000\u9000\u4f11\u91d1\u8a08\u7b97\u65b9\u5f0f<\/td><td>\u6bcf\u6eff1\u5e74\u7d662\u500b\u6708\u5e73\u5747\u85aa\u8cc7\uff08\u9000\u4f11\u524d6\u500b\u6708\uff09\uff0c\u8d8515\u5e74\u6bcf\u6eff1\u5e741\u500b\u6708\uff0c\u4e0a\u965045\u500b\u6708<\/td><td>\u4f9d\u500b\u4eba\u5c08\u6236\u672c\u91d1\u8207\u6536\u76ca\u7e3d\u984d\uff0c\u53ef\u4e00\u6b21\u9818\u6216\u6309\u6708\u9818\uff08\u7e3d\u984d \u00f7 \u9810\u671f\u58fd\u547d\u5269\u9918\u5e74\u6578\uff09<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u9000\u8acb\u9818\u689d\u4ef6<\/td><td>\u540c\u4e00\u55ae\u4f4d\u6eff25\u5e74\uff0c\u621615\u5e74\u4e1455\u6b72\uff0c\u621610\u5e74\u4e1460\u6b72\uff0c\u6216\u96c7\u4e3b\u5f37\u5236\u9000\u4f11\uff08\u598265\u6b72\uff09<\/td><td>\u5e74\u6eff60\u6b72\u5373\u53ef\u7533\u8acb\uff0c\u4e0d\u53d7\u5e74\u8cc7\u6216\u96c7\u4e3b\u9650\u5236<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u9000\u9818\u53d6\u65b9\u5f0f<\/td><td>\u4e00\u6b21\u6027\u7d66\u4ed8\uff0c\u7531\u96c7\u4e3b\u652f\u4ed8<\/td><td>\u53ef\u9078\u4e00\u6b21\u6027\u7d66\u4ed8\u6216\u6309\u6708\u9818\u53d6\uff08\u91d1\u984d\u9054\u6a19\u53ef\u5e74\u91d1\u5316\uff09<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u512a\u9ede<\/td><td>\u5e74\u8cc7\u9577\u85aa\u8cc7\u9ad8\u8005\u91d1\u984d\u591a\uff0c\u8a08\u7b97\u660e\u78ba<\/td><td>\u500b\u4eba\u5c08\u6236\u5236\uff0c\u8cc7\u91d1\u96a8\u8eab\u8d70\uff0c\u96c7\u4e3b\u7834\u7522\u4e0d\u5f71\u97ff<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7f3a\u9ede<\/td><td>\u7121\u6cd5\u96a8\u8f49\u8077\u5e36\u8d70\uff0c\u96c7\u4e3b\u5012\u9589\u53ef\u80fd\u7121\u4fdd\u969c<\/td><td>\u91d1\u984d\u8996\u63d0\u64a5\u8207\u6536\u76ca\u800c\u5b9a\uff0c\u4f4e\u85aa\u6216\u6536\u76ca\u5dee\u8005\u9818\u5f97\u5c11<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u9000\u65b0\u820a\u5236\u80fd\u5426\u540c\u6642\u9818\u53d6<\/td><td>\u82e5\u5e74\u8cc7\u6a6b\u8de8\u65b0\u820a\u5236\u4e14\u7b26\u5408\u689d\u4ef6\uff0c\u53ef\u8207\u65b0\u5236\u540c\u6642\u9818\u53d6\uff08\u7531\u96c7\u4e3b\u652f\u4ed8\uff09<\/td><td>\u82e5\u5e74\u8cc7\u6a6b\u8de8\u65b0\u820a\u5236\u4e14\u7b26\u5408\u689d\u4ef6\uff0c\u53ef\u8207\u820a\u5236\u540c\u6642\u9818\u53d6\uff08\u5f9e\u500b\u4eba\u5c08\u6236\u63d0\u53d6\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u9000\u65b0\u820a\u5236\u7684\u9069\u7528\u7bc4\u570d\u8207\u5c0d\u8c61<\/h2>\n\n\n\n<p>\u820a\u5236\u548c\u65b0\u5236\u7684\u9069\u7528\u6642\u9593\u8207\u5c0d\u8c61\u662f\u5169\u8005\u6700\u57fa\u672c\u7684\u5340\u5225\u3002<\/p>\n\n\n\n<p>\u52de\u9000\u820a\u5236\u4f9d\u64da\u300a\u52de\u52d5\u57fa\u6e96\u6cd5\u300b\uff0c\u9069\u7528\u65bc2005\u5e747\u67081\u65e5\u4e4b\u524d\u5df2\u53d7\u50f1\u7684\u52de\u5de5\uff0c\u7576\u6642\u52de\u5de5\u53ef\u9078\u64c7\u4fdd\u7559\u820a\u5236\u6216\u8f49\u5165\u65b0\u5236\u3002<\/p>\n\n\n\n<p>\u52de\u9000\u65b0\u5236\u5247\u4f9d\u300a\u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b\u300b\uff0c\u81ea2005\u5e747\u67081\u65e5\u8d77\u5f37\u5236\u9069\u7528\u65bc\u6240\u6709\u65b0\u9032\u52de\u5de5\uff0c\u4e26\u5141\u8a31\u820a\u5236\u52de\u5de5\u81ea\u9858\u8f49\u63db\u3002\u9019\u9805\u5206\u6c34\u5dba\u6c7a\u5b9a\u4e86\u52de\u5de5\u9000\u4f11\u91d1\u7684\u8a08\u7b97\u65b9\u5f0f\u8207\u6b0a\u76ca\u6b78\u5c6c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u9000\u8cc7\u91d1\u4f86\u6e90\u8207\u7ba1\u7406\u65b9\u5f0f<\/h2>\n\n\n\n<p>\u820a\u5236\u8207\u65b0\u5236\u7684\u8cc7\u91d1\u4f86\u6e90\u548c\u7ba1\u7406\u65b9\u5f0f\u622a\u7136\u4e0d\u540c\u3002<\/p>\n\n\n\n<p>\u820a\u5236\u4e0b\uff0c\u96c7\u4e3b\u9700\u6309\u52de\u5de5\u85aa\u8cc7\u7e3d\u984d\u76842%\u81f315%\u63d0\u64a5\u81f3\u300c\u52de\u5de5\u9000\u4f11\u6e96\u5099\u91d1\u5c08\u6236\u300d\uff0c\u7531\u53f0\u7063\u9280\u884c\u7d71\u4e00\u7ba1\u7406\uff0c\u8cc7\u91d1\u6240\u6709\u6b0a\u5c6c\u65bc\u96c7\u4e3b\uff0c\u9000\u4f11\u91d1\u7531\u96c7\u4e3b\u652f\u4ed8\u3002\u82e5\u6e96\u5099\u91d1\u4e0d\u8db3\uff0c\u96c7\u4e3b\u6709\u8cac\u4efb\u88dc\u8db3\u5dee\u984d\u3002<\/p>\n\n\n\n<p>\u65b0\u5236\u5247\u63a1\u500b\u4eba\u5c08\u6236\u5236\uff0c\u96c7\u4e3b\u6bcf\u6708\u63d0\u64a5\u81f3\u5c116%\u5de5\u8cc7\u81f3\u52de\u5de5\u500b\u4eba\u5e33\u6236\uff08\u52de\u5de5\u53ef\u81ea\u9858\u52a0\u63d0\u6700\u591a6%\uff09\uff0c\u7531\u52de\u4fdd\u5c40\u7ba1\u7406\uff0c\u8cc7\u91d1\u96a8\u52de\u5de5\u8f49\u8077\u800c\u5e36\u8d70\uff0c\u4fdd\u969c\u6027\u66f4\u9ad8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u5de5\u9000\u4f11\u91d1\u8a08\u7b97\u65b9\u5f0f\u7684\u5dee\u7570<\/h2>\n\n\n\n<p>\u52de\u5de5\u9000\u4f11\u91d1\u7684\u8a08\u7b97\u65b9\u5f0f\u662f\u65b0\u820a\u5236\u7684\u6838\u5fc3\u5dee\u5225\u3002<\/p>\n\n\n\n<p>\u820a\u5236\u63a1\u5e74\u8cc7\u8a08\u7b97\uff0c\u4ee5\u9000\u4f11\u524d6\u500b\u6708\u5e73\u5747\u85aa\u8cc7\u70ba\u57fa\u6e96\uff0c\u6bcf\u6eff1\u5e74\u7d66\u4ed82\u500b\u6708\u85aa\u8cc7\uff0c\u8d85\u904e15\u5e74\u5f8c\u6bcf\u6eff1\u5e74\u7d66\u4ed81\u500b\u6708\uff0c\u4e0a\u9650\u70ba45\u500b\u6708\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff0c\u6708\u85aa4\u842c\u5143\u3001\u5e74\u8cc720\u5e74\u7684\u52de\u5de5\uff0c\u9000\u4f11\u91d1\u70ba4\u842c \u00d7 (15 \u00d7 2 + 5 \u00d7 1) = 140\u842c\u5143\u3002\u65b0\u5236\u5247\u4f9d\u500b\u4eba\u5c08\u6236\u7d2f\u7a4d\u7684\u672c\u91d1\u8207\u6295\u8cc7\u6536\u76ca\u6c7a\u5b9a\uff0c\u53ef\u9078\u64c7\u4e00\u6b21\u9818\u53d6\u6216\u6309\u6708\u9818\u53d6\u3002\u4f8b\u5982\uff0c\u5c08\u6236\u7d2f\u7a4d100\u842c\u5143\uff0c60\u6b72\u9818\u53d6\u4e14\u9810\u671f\u58fd\u547d\u526920\u5e74\uff0c\u6bcf\u6708\u7d04\u9818100\u842c \u00f7 240\u500b\u6708 = 4167\u5143\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u9000\u8acb\u9818\u689d\u4ef6\u7684\u6bd4\u8f03<\/h2>\n\n\n\n<p>\u8acb\u9818\u689d\u4ef6\u4e5f\u662f\u5169\u8005\u7684\u91cd\u8981\u5340\u5225\u3002<\/p>\n\n\n\n<p>\u820a\u5236\u8981\u6c42\u52de\u5de5\u5728\u540c\u4e00\u4e8b\u696d\u55ae\u4f4d\u7b26\u5408\u81ea\u8acb\u9000\u4f11\u689d\u4ef6\uff08\u598225\u5e74\u8cc7\uff0c\u621615\u5e74\u4e1455\u6b72\uff0c\u621610\u5e74\u4e1460\u6b72\uff09\uff0c\u6216\u7531\u96c7\u4e3b\u4f9d\u6cd5\u5f37\u5236\u9000\u4f11\uff08\u598265\u6b72\uff09\u3002<\/p>\n\n\n\n<p>\u65b0\u5236\u5247\u66f4\u5177\u5f48\u6027\uff0c\u5e74\u6eff60\u6b72\u5373\u53ef\u7533\u8acb\uff0c\u4e0d\u53d7\u5e74\u8cc7\u6216\u96c7\u4e3b\u9650\u5236\uff0c\u5373\u4f7f\u983b\u7e41\u8f49\u63db\u5de5\u4f5c\uff0c\u5e74\u8cc7\u8207\u8cc7\u91d1\u4e5f\u80fd\u7d2f\u7a4d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 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