{"id":13153,"date":"2025-02-21T16:16:59","date_gmt":"2025-02-21T08:16:59","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13153"},"modified":"2025-02-21T16:16:59","modified_gmt":"2025-02-21T08:16:59","slug":"%e5%8f%b0%e7%81%a3%e9%a0%98%e5%8b%9e%e4%bf%9d%e8%88%87%e5%8b%9e%e9%80%80%e9%80%80%e4%bc%91%e9%87%91%e8%a6%81%e7%b9%b3%e7%a8%85%e5%97%8e%ef%bc%9f%e9%80%80%e4%bc%91%e9%87%91%e7%a8%85%e9%87%91%e8%a6%81","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13153","title":{"rendered":"\u53f0\u7063\u9818\u52de\u4fdd\u8207\u52de\u9000\u9000\u4f11\u91d1\u8981\u7e73\u7a05\u55ce\uff1f\u9000\u4f11\u91d1\u7a05\u91d1\u8981\u7e73\u591a\u5c11\u9322\uff1f6%\u81ea\u63d0\u52de\u9000\u91d1\u8981\u7e73\u7a05\u55ce\uff1f"},"content":{"rendered":"\n<p>\u5728\u53f0\u7063\uff0c\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\uff08\u52de\u4fdd\u9000\u4f11\u91d1\uff09\u8207\u52de\u9000\u65b0\u5236\u9000\u4f11\u91d1\uff082005\u5e74\u5f8c\u65bd\u884c\uff09\u662f\u52de\u5de5\u9000\u4f11\u6642\u7684\u91cd\u8981\u7d93\u6fdf\u4f86\u6e90\u3002\u7136\u800c\uff0c\u8a31\u591a\u4eba\u5c0d\u65bc\u9818\u53d6\u9019\u4e9b\u9000\u4f11\u91d1\u662f\u5426\u9700\u8981\u7e73\u7a05\uff0c\u4ee5\u53ca\u7a05\u91d1\u5982\u4f55\u8a08\u7b97\u611f\u5230\u56f0\u60d1\u3002\u4ee5\u4e0b\u5c07\u5206\u5225\u8aaa\u660e\u52de\u4fdd\u9000\u4f11\u91d1\u3001\u52de\u9000\u9000\u4f11\u91d1\uff0c\u4ee5\u53ca\u52de\u5de5\u81ea\u63d06%\u9000\u4f11\u91d1\u7684\u7a05\u52d9\u898f\u5b9a\uff0c\u4e26\u91dd\u5c0d\u300c\u7a05\u91d1\u8981\u7e73\u591a\u5c11\u300d\u63d0\u4f9b\u7bc4\u4f8b\u8aaa\u660e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u9000\u4f11\u91d1\u662f\u5426\u9700\u8981\u7e73\u7a05\uff1f<\/h2>\n\n\n\n<p>\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u5206\u70ba\u300c\u4e00\u6b21\u8acb\u9818\u300d\u548c\u300c\u6309\u6708\u8acb\u9818\uff08\u5e74\u91d1\uff09\u300d\u5169\u7a2e\uff0c\u7a05\u52d9\u8655\u7406\u65b9\u5f0f\u4e0d\u540c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e00\u6b21\u8acb\u9818<\/strong>\uff1a\u5c6c\u65bc\u300c\u9000\u8077\u6240\u5f97\u300d\uff0c\u6839\u64da\u300a\u6240\u5f97\u7a05\u6cd5\u300b\u7b2c14\u689d\uff0c\u6709\u514d\u7a05\u984d\u5ea6\u3002\u6bcf\u6eff1\u5e74\u5de5\u8cc7\u53ef\u4eab\u670918.8\u842c\u5143\u514d\u7a05\u984d\uff082023\u5e74\u6a19\u6e96\uff0c2025\u5e74\u53ef\u80fd\u5fae\u8abf\uff09\u3002\u82e5\u9818\u53d6\u91d1\u984d\u4f4e\u65bc\u514d\u7a05\u984d\uff0c\u5168\u984d\u514d\u7a05\uff1b\u8d85\u904e\u90e8\u5206\u5247\u4f75\u5165\u7576\u5e74\u5ea6\u7d9c\u5408\u6240\u5f97\u7a05\uff0c\u63095%~40%\u7a05\u7387\u8ab2\u7a05\u3002<\/li>\n\n\n\n<li><strong>\u6309\u6708\u8acb\u9818<\/strong>\uff1a\u6bcf\u6708\u5e74\u91d1\u91d1\u984d\u82e5\u5168\u5e74\u7e3d\u984d\u4f4e\u65bc\u514d\u7a05\u984d\uff08\u59822023\u5e74\u55ae\u8eab\u80059.2\u842c\u5143\uff09\u52a0\u4e0a\u6a19\u6e96\u6263\u9664\u984d\uff08\u598212.4\u842c\u5143\uff09\uff0c\u5247\u514d\u7a05\uff1b\u82e5\u8d85\u904e\uff0c\u8d85\u51fa\u90e8\u5206\u9700\u7d0d\u7a05\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4f8b\u5982\uff0c\u5e74\u8cc720\u5e74\u4e00\u6b21\u9818\u53d6200\u842c\u5143\uff0c\u514d\u7a05\u984d\u70ba20 \u00d7 18.8\u842c = 376\u842c\uff0c\u4f4e\u65bc\u6b64\u91d1\u984d\u5168\u514d\u7a05\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u52de\u4fdd\u9818\u53d6\u65b9\u5f0f<\/th><th>\u662f\u5426\u9700\u8981\u7e73\u7a05<\/th><th>\u514d\u7a05\u984d\u6a19\u6e96<\/th><th>\u7a05\u91d1\u8a08\u7b97\u65b9\u5f0f<\/th><\/tr><tr><td>\u4e00\u6b21\u8acb\u9818<\/td><td>\u4f4e\u65bc\u514d\u7a05\u984d\u514d\u7a05\uff0c\u8d85\u904e\u90e8\u5206\u9700\u7e73\u7a05<\/td><td>\u6bcf\u6eff1\u5e74\u5de5\u8cc7\u4eab\u670918.8\u842c\u5143\u514d\u7a05\u984d\uff082023\u5e74\u6a19\u6e96\uff0c2025\u5e74\u53ef\u80fd\u5fae\u8abf\uff09<\/td><td>\u8d85\u904e\u514d\u7a05\u984d\u90e8\u5206\u4f75\u5165\u7576\u5e74\u5ea6\u7d9c\u5408\u6240\u5f97\u7a05\uff0c\u63095%~40%\u7a05\u7387\u8ab2\u7a05<\/td><\/tr><tr><td>\u6309\u6708\u8acb\u9818\uff08\u5e74\u91d1\uff09<\/td><td>\u5168\u5e74\u7e3d\u984d\u4f4e\u65bc\u514d\u7a05\u984d+\u6a19\u6e96\u6263\u9664\u984d\u514d\u7a05\uff0c\u8d85\u904e\u90e8\u5206\u9700\u7e73\u7a05<\/td><td>\u514d\u7a05\u984d9.2\u842c\uff08\u55ae\u8eab\u8005\uff0c2023\u5e74\uff09+\u6a19\u6e96\u6263\u9664\u984d12.4\u842c\uff082023\u5e74\uff09<\/td><td>\u8d85\u904e\u514d\u7a05\u984d+\u6263\u9664\u984d\u7684\u90e8\u5206\u4f75\u5165\u6240\u5f97\uff0c\u63095%~40%\u7a05\u7387\u8ab2\u7a05<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u9000\u9000\u4f11\u91d1\u662f\u5426\u9700\u8981\u7e73\u7a05\uff1f<\/h2>\n\n\n\n<p>\u52de\u9000\u65b0\u5236\u9000\u4f11\u91d1\u540c\u6a23\u5206\u300c\u4e00\u6b21\u8acb\u9818\u300d\u548c\u300c\u6309\u6708\u8acb\u9818\u300d\uff0c\u7a05\u52d9\u898f\u5b9a\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e00\u6b21\u8acb\u9818<\/strong>\uff1a\u540c\u6a23\u5c6c\u9000\u8077\u6240\u5f97\uff0c\u514d\u7a05\u984d\u8a08\u7b97\u8207\u52de\u4fdd\u76f8\u540c\u3002\u8d85\u904e\u514d\u7a05\u984d\u7684\u90e8\u5206\u9700\u8ab2\u7a05\u3002<\/li>\n\n\n\n<li><strong>\u6309\u6708\u8acb\u9818<\/strong>\uff1a\u6839\u64da\u300a\u6240\u5f97\u7a05\u6cd5\u65bd\u884c\u7d30\u5247\u300b\uff0c\u5168\u5e74\u9818\u53d6\u7e3d\u984d\u572881.4\u842c\u5143\u4ee5\u4e0b\u514d\u7a05\uff082023\u5e74\u6a19\u6e96\uff09\uff1b\u8d85\u904e\u90e8\u5206\u4f75\u5165\u6240\u5f97\uff0c\u6309\u7a05\u7387\u8a08\u7b97\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4f8b\u5982\uff0c\u4e00\u6b21\u9818\u53d6500\u842c\u5143\uff0c\u5e74\u8cc725\u5e74\uff0c\u514d\u7a05\u984d\u70ba25 \u00d7 18.8\u842c = 470\u842c\uff0c\u5247\u5168\u984d\u514d\u7a05\u3002\u82e5\u6708\u9818\u5168\u5e74120\u842c\u5143\uff0c\u5247120\u842c &#8211; 81.4\u842c = 38.6\u842c\u9700\u8a08\u7a05\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6%\u81ea\u63d0\u52de\u9000\u91d1\u662f\u5426\u9700\u8981\u7e73\u7a05\uff1f<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u63d0\u7e73\u6642<\/strong>\uff1a\u52de\u5de5\u81ea\u9858\u63d0\u7e73\u76846%\u9000\u4f11\u91d1\uff08\u4e0a\u9650\u70ba\u6708\u5de5\u8cc76%\uff09\u5728\u63d0\u7e73\u5e74\u5ea6\u514d\u7a05\uff0c\u4e0d\u8a08\u5165\u85aa\u8cc7\u6240\u5f97\u3002\u4f8b\u5982\uff0c\u6708\u85aa5\u842c\uff0c\u81ea\u63d03000\u5143\uff0c\u5168\u5e743.6\u842c\u5143\u53ef\u5f9e\u61c9\u7a05\u6240\u5f97\u6263\u9664\uff0c\u7bc0\u7701\u7a05\u91d1\u3002<\/li>\n\n\n\n<li><strong>\u9818\u53d6\u6642<\/strong>\uff1a\u81ea\u63d0\u90e8\u5206\u8207\u96c7\u4e3b\u63d0\u64a5\u7684\u52de\u9000\u91d1\u5408\u4f75\u8a08\u7b97\uff0c\u7a05\u52d9\u8655\u7406\u540c\u52de\u9000\u9000\u4f11\u91d1\uff1a\u4e00\u6b21\u8acb\u9818\u770b\u514d\u7a05\u984d\uff0c\u6708\u9818\u770b81.4\u842c\u9580\u6abb\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4f8b\u5982\uff0c\u6708\u85aa5\u842c\u7a05\u73875%\uff0c\u81ea\u63d06%\u4e00\u5e74\u53ef\u77013.6\u842c \u00d7 5% = 1800\u5143\u7a05\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u91d1\u7a05\u91d1\u8981\u7e73\u591a\u5c11\uff1f<\/h2>\n\n\n\n<p>\u7a05\u91d1\u4f9d\u9818\u53d6\u91d1\u984d\u3001\u65b9\u5f0f\u53ca\u5176\u4ed6\u6240\u5f97\u800c\u5b9a\u3002\u53f0\u7063\u7d9c\u5408\u6240\u5f97\u7a05\u7387\u70ba5%~40%\uff0c2023\u5e74\u7d1a\u8ddd\u5982\u4e0b\uff082025\u5e74\u53ef\u80fd\u5fae\u8abf\uff09\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0~56\u842c\uff1a5%<\/li>\n\n\n\n<li>56\u842c~126\u842c\uff1a12%<\/li>\n\n\n\n<li>126\u842c~235\u842c\uff1a20%<\/li>\n\n\n\n<li>235\u842c~445\u842c\uff1a30%<\/li>\n\n\n\n<li>445\u842c\u4ee5\u4e0a\uff1a40%<\/li>\n<\/ul>\n\n\n\n<p><strong>\u7bc4\u4f8b1<\/strong>\uff1a\u7121\u5176\u4ed6\u6536\u5165\uff0c\u52de\u9000\u6708\u9818\u5168\u5e74120\u842c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u514d\u7a05\u984d81.4\u842c\uff0c\u61c9\u7a05\u984d = 38.6\u842c\u3002<\/li>\n\n\n\n<li>\u6263\u9664\u514d\u7a05\u984d9.2\u842c+\u6a19\u6e96\u6263\u9664\u984d12.4\u842c\uff0c\u6240\u5f97\u6de8\u984d = 17\u842c\u3002<\/li>\n\n\n\n<li>\u7a05\u91d1 = 17\u842c \u00d7 5% = 8500\u5143\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u7bc4\u4f8b2<\/strong>\uff1a\u4e00\u6b21\u9818\u53d6\u52de\u9000500\u842c\uff0c\u5e74\u8cc725\u5e74\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u514d\u7a05\u984d470\u842c\uff0c\u61c9\u7a05\u984d = 30\u842c\u3002<\/li>\n\n\n\n<li>\u6263\u966421.6\u842c\uff08\u514d\u7a05\u984d+\u6a19\u6e96\u6263\u9664\u984d\uff09\uff0c\u6240\u5f97\u6de8\u984d = 8.4\u842c\u3002<\/li>\n\n\n\n<li>\u7a05\u91d1 = 8.4\u842c \u00d7 5% = 4200\u5143\u3002<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u52de\u9000\u662f\u5426\u7e73\u7a05\u898f\u5b9a\u7e3d\u89bd\u8868\u683c<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u9805\u76ee<\/th><th>\u4e00\u6b21\u8acb\u9818\u662f\u5426\u7e73\u7a05<\/th><th>\u6309\u6708\u8acb\u9818\u662f\u5426\u7e73\u7a05<\/th><th>\u7a05\u91d1\u8a08\u7b97\u65b9\u5f0f<\/th><\/tr><tr><td>\u52de\u4fdd\u9000\u4f11\u91d1<\/td><td>\u4f4e\u65bc\u514d\u7a05\u984d\uff08\u5e74\u8cc7\u00d718.8\u842c\uff09\u514d\u7a05\uff0c\u8d85\u984d\u8ab2\u7a05<\/td><td>\u5168\u5e74\u4f4e\u65bc\u514d\u7a05\u984d+\u6263\u9664\u984d\u514d\u7a05\uff0c\u8d85\u984d\u8ab2\u7a05<\/td><td>\u8d85\u904e\u514d\u7a05\u90e8\u5206\u4f75\u5165\u6240\u5f97\uff0c\u63095%~40%\u7a05\u7387\u8a08\u7b97<\/td><\/tr><tr><td>\u52de\u9000\u9000\u4f11\u91d1<\/td><td>\u540c\u4e0a<\/td><td>\u5168\u5e74\u4f4e\u65bc81.4\u842c\u514d\u7a05\uff0c\u8d85\u984d\u8ab2\u7a05<\/td><td>\u540c\u4e0a\uff0c\u6708\u9818\u8d8581.4\u842c\u90e8\u5206\u8a08\u7a05<\/td><\/tr><tr><td>6%\u81ea\u63d0\u52de\u9000\u91d1<\/td><td>\u63d0\u7e73\u6642\u514d\u7a05\uff0c\u9818\u53d6\u6642\u540c\u52de\u9000\u898f\u5b9a<\/td><td>\u63d0\u7e73\u6642\u514d\u7a05\uff0c\u9818\u53d6\u6642\u540c\u52de\u9000\u898f\u5b9a<\/td><td>\u9818\u53d6\u6642\u8207\u52de\u9000\u91d1\u5408\u4f75\u8a08\u7b97<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr 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