{"id":13164,"date":"2025-02-21T16:56:31","date_gmt":"2025-02-21T08:56:31","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13164"},"modified":"2025-02-21T16:56:31","modified_gmt":"2025-02-21T08:56:31","slug":"%e5%8b%9e%e4%bf%9d%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f%e5%8b%9e%e4%bf%9d%e6%98%af%e5%81%9a%e4%bb%80%e9%ba%bc%e7%94%a8%e7%9a%84%ef%bc%9f%e5%8b%9e%e4%bf%9d%e4%bf%9d%e9%9a%9c%e9%a0%85%e7%9b%ae%e5%8b%9e","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13164","title":{"rendered":"\u52de\u4fdd\u662f\u4ec0\u9ebc\uff1f\u52de\u4fdd\u9000\u4f11\u6708\u9818\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u4fdd\u969c\u9805\u76ee\u3001\u52de\u4fdd\u9000\u4f11\u5e7e\u6b72\u53ef\u4ee5\u4e00\u6b21\u9818\uff1f\u52de\u4fdd\u8ddf\u52de\u9000\u5dee\u5728\u54ea\uff1f"},"content":{"rendered":"\n<p>\u52de\u5de5\u4fdd\u96aa\uff08\u7c21\u7a31\u52de\u4fdd\uff09\u662f\u53f0\u7063\u91cd\u8981\u7684\u793e\u6703\u4fdd\u96aa\u5236\u5ea6\u4e4b\u4e00\uff0c\u65e8\u5728\u4fdd\u969c\u52de\u5de5\u5728\u5de5\u4f5c\u8207\u751f\u6d3b\u4e2d\u53ef\u80fd\u9762\u81e8\u7684\u5404\u7a2e\u98a8\u96aa\uff0c\u4e26\u63d0\u4f9b\u8001\u5e74\u751f\u6d3b\u7684\u7d93\u6fdf\u652f\u6301\u3002\u4ee5\u4e0b\u5c07\u8a73\u7d30\u4ecb\u7d39\u52de\u4fdd\u7684\u5b9a\u7fa9\u3001\u7528\u9014\u3001\u4fdd\u969c\u9805\u76ee\u3001\u9818\u53d6\u5e74\u9f61\u3001\u8207\u52de\u9000\u7684\u5dee\u7570\u3001\u958b\u59cb\u6295\u4fdd\u6642\u9593\u3001\u5de5\u8b80\u751f\u662f\u5426\u9069\u7528\uff0c\u4ee5\u53ca\u9000\u4f11\u91d1\u7684\u8a08\u7b97\u65b9\u5f0f\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\u4fdd\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u52de\u5de5\u4fdd\u96aa\u662f\u53f0\u7063\u653f\u5e9c\u4f9d\u64da\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u65bc\u6c11\u570b39\u5e74\uff081950\u5e74\uff09\u958b\u59cb\u5be6\u65bd\u7684\u793e\u6703\u4fdd\u96aa\u5236\u5ea6\uff0c\u5c6c\u65bc\u5f37\u5236\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p>\u51e1\u7b26\u5408\u689d\u4ef6\u7684\u52de\u5de5\uff0c\u96c7\u4e3b\u5fc5\u9808\u4f9d\u6cd5\u70ba\u5176\u6295\u4fdd\uff0c\u6bcf\u6708\u7e73\u7d0d\u4fdd\u96aa\u8cbb\u3002<\/p>\n\n\n\n<p>\u52de\u4fdd\u7684\u4fdd\u8cbb\u7531\u4e09\u65b9\u5206\u64d4\uff1a\u52de\u5de5\u8ca0\u64d420%\u3001\u96c7\u4e3b\u8ca0\u64d470%\u3001\u653f\u5e9c\u88dc\u52a910%\u3002\u5176\u76ee\u7684\u662f\u900f\u904e\u96c6\u9ad4\u4e92\u52a9\u7684\u65b9\u5f0f\uff0c\u70ba\u52de\u5de5\u63d0\u4f9b\u7d93\u6fdf\u4fdd\u969c\uff0c\u6db5\u84cb\u5de5\u4f5c\u671f\u9593\u7684\u610f\u5916\u98a8\u96aa\u53ca\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u652f\u6301\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 class=\"has-text-align-center\" data-align=\"center\">\u52de\u4fdd\u5167\u5bb9<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u6cd5\u5f8b\u4f9d\u64da<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5be6\u65bd\u6642\u9593<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6c11\u570b39\u5e74\uff081950\u5e74\uff09<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u4fdd\u8cbb\u5206\u64d4<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u52de\u5de520%\u3001\u96c7\u4e3b70%\u3001\u653f\u5e9c10%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u4fdd\u969c\u5c0d\u8c61<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5408\u6cd5\u53d7\u96c7\u52de\u5de5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u9000\u4f11\u6708\u9818\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u9000\u4f11\u91d1\u8a08\u7b97\u516c\u5f0f<\/h2>\n\n\n\n<p>\u52de\u4fdd\u9000\u4f11\u91d1\u7684\u8a08\u7b97\u65b9\u5f0f\u4f9d\u64da\u300c\u4e00\u6b21\u8acb\u9818\u300d\u6216\u300c\u6309\u6708\u5e74\u91d1\u300d\u4e0d\u540c\uff0c\u5206\u8ff0\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8<\/strong>\uff1a\n<ul class=\"wp-block-list\">\n<li>\u8a08\u7b97\u516c\u5f0f\uff1a\u6bcf\u6eff1\u5e74\u6295\u4fdd\u5e74\u8cc7\u7d66\u4e881\u500b\u6708\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u8d85\u904e15\u5e74\u90e8\u5206\uff0c\u6bcf\u5e74\u52a0\u767c2\u500b\u6708\uff0c\u6700\u9ad8\u4e0a\u9650\u70ba45\u500b\u6708\u3002<\/li>\n\n\n\n<li>\u7bc4\u4f8b\uff1a\u5c0f\u660e\u6295\u4fdd20\u5e74\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u70ba40,000\u5143\u3002\n<ul class=\"wp-block-list\">\n<li>\u524d15\u5e74\uff1a15 \u00d7 40,000 = 600,000\u5143<\/li>\n\n\n\n<li>\u5f8c5\u5e74\uff1a5 \u00d7 2 \u00d7 40,000 = 200,000\u5143<\/li>\n\n\n\n<li>\u7e3d\u984d\uff1a600,000 + 200,000 = 800,000\u5143<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u52de\u4fdd\u5e74\u91d1\uff08\u6309\u6708\u9818\u53d6\uff09<\/strong>\uff1a\n<ul class=\"wp-block-list\">\n<li>\u8a08\u7b97\u65b9\u5f0f\uff1a\u4f9d\u64da\u52de\u4fdd\u5e74\u8cc7\u53ca\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u9078\u64c7\u4ee5\u4e0b\u5169\u8005\u8f03\u9ad8\u8005\uff1a\n<ul class=\"wp-block-list\">\n<li><strong>\u65b9\u5f0fA<\/strong>\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 0.775% + 3,000\u5143<\/li>\n\n\n\n<li><strong>\u65b9\u5f0fB<\/strong>\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u7bc4\u4f8b\uff1a\u5c0f\u660e\u6295\u4fdd30\u5e74\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc740,000\u5143\u3002\n<ul class=\"wp-block-list\">\n<li>\u65b9\u5f0fA\uff1a40,000 \u00d7 30 \u00d7 0.775% + 3,000 = 9,300 + 3,000 = 12,300\u5143\/\u6708<\/li>\n\n\n\n<li>\u65b9\u5f0fB\uff1a40,000 \u00d7 30 \u00d7 1.55% = 18,600\u5143\/\u6708<\/li>\n\n\n\n<li>\u53d6\u8f03\u9ad8\u8005\uff1a18,600\u5143\/\u6708<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p>\u8a3b\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u4ee5\u6295\u4fdd\u671f\u9593\u6700\u9ad860\u500b\u6708\u7684\u85aa\u8cc7\u5e73\u5747\u8a08\u7b97\uff0c\u5be6\u969b\u91d1\u984d\u9700\u5411\u52de\u4fdd\u5c40\u78ba\u8a8d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e7e\u6b72\u9000\u4f11\u53ef\u4ee5\u9818\u52de\u4fdd\uff1f<\/h2>\n\n\n\n<p>\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u7684\u9818\u53d6\u5e74\u9f61\u53d6\u6c7a\u65bc\u6295\u4fdd\u5e74\u8cc7\u53ca\u500b\u4eba\u9078\u64c7\u3002\u76ee\u524d\uff0c\u52de\u4fdd\u8001\u5e74\u7d66\u4ed8\u5206\u70ba\u300c\u4e00\u6b21\u8acb\u9818\u300d\u548c\u300c\u6309\u6708\u9818\u53d6\uff08\u5e74\u91d1\uff09\u300d\u5169\u7a2e\u65b9\u5f0f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8<\/strong>\uff1a\u53ea\u8981\u7b26\u5408\u4ee5\u4e0b\u689d\u4ef6\u4e4b\u4e00\u5373\u53ef\u7533\u8acb\uff0c\u4e0d\u53d7\u5e74\u9f61\u9650\u5236\uff1a\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u6295\u4fdd\u5e74\u8cc7\u6eff15\u5e74\u4ee5\u4e0a\uff0c\u5e74\u6eff60\u6b72\u3002<\/li>\n\n\n\n<li>\u6295\u4fdd\u5e74\u8cc7\u6eff25\u5e74\u4ee5\u4e0a\uff0c\u4e0d\u9650\u5e74\u9f61\u3002<\/li>\n\n\n\n<li>\u5728\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u5de5\u4f5c\u6eff25\u5e74\uff0c\u4e0d\u9650\u5e74\u9f61\u3002<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li><strong>\u52de\u4fdd\u5e74\u91d1\uff08\u6309\u6708\u9818\u53d6\uff09<\/strong>\uff1a\u9700\u5e74\u6eff60\u6b72\uff0c\u4e14\u6295\u4fdd\u5e74\u8cc7\u5408\u8a08\u905415\u5e74\u4ee5\u4e0a\u3002\u82e5\u9078\u64c7\u5e74\u91d1\uff0c\u7121\u6cd5\u4e2d\u9014\u6539\u70ba\u4e00\u6b21\u8acb\u9818\uff0c\u56e0\u6b64\u9700\u8b39\u614e\u8a55\u4f30\u500b\u4eba\u9700\u6c42\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u96a8\u8457\u53f0\u7063\u4eba\u53e3\u8001\u5316\uff0c\u653f\u5e9c\u6b63\u9010\u6b65\u8abf\u6574\u9000\u4f11\u5e74\u9f61\uff0c\u5efa\u8b70\u52de\u5de5\u5bc6\u5207\u95dc\u6ce8\u76f8\u95dc\u653f\u7b56\u8b8a\u5316\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u9818\u53d6\u65b9\u5f0f<\/th><th>\u689d\u4ef6<\/th><th>\u5e74\u9f61\u9650\u5236<\/th><\/tr><tr><td>\u4e00\u6b21\u8acb\u9818<\/td><td>\u5e74\u8cc7\u6eff15\u5e74<\/td><td>60\u6b72<\/td><\/tr><tr><td><\/td><td>\u5e74\u8cc7\u6eff25\u5e74<\/td><td>\u4e0d\u9650\u5e74\u9f61<\/td><\/tr><tr><td><\/td><td>\u540c\u4e00\u55ae\u4f4d\u6eff25\u5e74<\/td><td>\u4e0d\u9650\u5e74\u9f61<\/td><\/tr><tr><td>\u6309\u6708\u5e74\u91d1<\/td><td>\u5e74\u8cc7\u6eff15\u5e74<\/td><td>60\u6b72<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u8cc7\u6eff25\u5e74\u5e74\u6eff50\u6b72\u53ef\u4ee5\u9000\u4f11\u55ce\uff1f<\/h3>\n\n\n\n<p>\u53ef\u4ee5\uff0c\u53c3\u52a0\u4fdd\u96aa\u5e74\u8cc7\u5408\u8a08\u6eff25\u5e74\uff0c\u5e74\u6eff50\u6b72\u53ef\u4ee5\u9000\u4f11\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\u4fdd\u662f\u505a\u4ec0\u9ebc\u7528\u7684\uff1f<\/h2>\n\n\n\n<p>\u52de\u4fdd\u7684\u4e3b\u8981\u7528\u9014\u662f\u4fdd\u969c\u52de\u5de5\u5728\u906d\u9047\u7279\u5b9a\u72c0\u6cc1\u6642\u7684\u57fa\u672c\u751f\u6d3b\u9700\u6c42\uff0c\u4e26\u6e1b\u8f15\u56e0\u610f\u5916\u6216\u8001\u5e74\u5c0e\u81f4\u7684\u7d93\u6fdf\u8ca0\u64d4\u3002<\/p>\n\n\n\n<p>\u7576\u52de\u5de5\u56e0\u751f\u80b2\u3001\u50b7\u75c5\u3001\u6b98\u75be\u3001\u6b7b\u4ea1\u6216\u9000\u4f11\u7b49\u60c5\u6cc1\u767c\u751f\u6642\uff0c\u53ef\u4f9d\u64da\u52de\u4fdd\u898f\u5b9a\u7533\u8acb\u76f8\u95dc\u7d66\u4ed8\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u52de\u4fdd\u5c31\u50cf\u4e00\u5f35\u5b89\u5168\u7db2\uff0c\u5e6b\u52a9\u52de\u5de5\u53ca\u5176\u5bb6\u5ead\u61c9\u5c0d\u4eba\u751f\u4e2d\u7684\u91cd\u5927\u8b8a\u6545\uff0c\u4e26\u78ba\u4fdd\u8001\u5e74\u751f\u6d3b\u7684\u7a69\u5b9a\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\">\u52de\u4fdd\u7528\u9014<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u8aaa\u660e<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7d93\u6fdf\u4fdd\u969c<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u63d0\u4f9b\u751f\u80b2\u3001\u50b7\u75c5\u7b49\u7d66\u4ed8<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u8001\u5e74\u652f\u6301<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u9000\u4f11\u91d1\u652f\u6301\u8001\u5e74\u751f\u6d3b<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u98a8\u96aa\u5206\u64d4<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u96c6\u9ad4\u4e92\u52a9\u964d\u4f4e\u500b\u4eba\u8ca0\u64d4<\/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\u4fdd\u4fdd\u969c\u9805\u76ee<\/h2>\n\n\n\n<p>\u52de\u4fdd\u63d0\u4f9b\u7684\u4fdd\u969c\u9805\u76ee\u6db5\u84cb\u4e94\u5927\u985e\uff0c\u5177\u9ad4\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ol start=\"1\" 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