{"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":"2026-10-27T09:18:06","modified_gmt":"2026-10-27T01:18:06","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\u9000\u4f11\u5e7e\u6b72\u53ef\u4ee5\u9818\uff1f\u6eff25\u5e74\u30012008\u5e74\u524d\u52a0\u4fdd50\u6b72\u53ef\u4e00\u6b21\u9818"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u53ef\u4ee5\uff0c\u4f46\u96502008\u5e74\u5e95\u524d\u6709\u52de\u4fdd\u5e74\u8cc7\u7684\u4eba\uff1a\u5e74\u8cc7\u6eff25\u5e74\u3001\u5e74\u6eff50\u6b72\u9000\u8077\u53ef\u4e00\u6b21\u8acb\u9818\uff1b2009\u5e74\u5f8c\u624d\u52a0\u4fdd\uff0c\u8981\u7b4965\u6b72\u9818\u5e74\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u80fd\u4e0d\u80fd\u5148\u9818\u3001\u8981\u9818\u4e00\u6b21\u9084\u662f\u9818\u6708\u9000\uff0c\u9019\u5169\u984c\u5e38\u5e38\u4e00\u8d77\u88ab\u554f\uff0c\u7b54\u6848\u90fd\u8981\u5f9e\u52de\u4fdd\u662f\u4ec0\u9ebc\u8b1b\u8d77\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u5de5\u4fdd\u96aa\uff08\u7c21\u7a31\u52de\u4fdd\uff0cLabor Insurance\uff09\u662f\u653f\u5e9c\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u8fa6\u7406\u7684\u5f37\u5236\u793e\u6703\u4fdd\u96aa\uff0c\u52de\u5de5\u9047\u5230\u751f\u80b2\u3001\u50b7\u75c5\u3001\u5931\u80fd\u3001\u6b7b\u4ea1\u6216\u5e74\u8001\u9000\u4f11\u6642\uff0c\u90fd\u53ef\u4ee5\u4f9d\u898f\u5b9a\u8acb\u9818\u7d66\u4ed8\uff0c\u9000\u4f11\u6642\u7684\u8001\u5e74\u7d66\u4ed8\u6709\u5169\u7a2e\u9818\u6cd5\uff0c\u4e00\u6b21\u9818\uff0c\u6216\u6309\u6708\u9818\u5e74\u91d1\u3002<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u5e74\u8cc7\u6eff25\u5e74\u80fd\u4e0d\u80fd50\u6b72\u9000\u4f11\uff0c\u770b\u7684\u662f\u7b2c\u4e00\u6b21\u52a0\u4fdd\u7684\u5e74\u4efd\uff0c2008\u5e74\u5e95\u524d\u5c31\u6709\u5e74\u8cc7\uff0c\u624d\u6709\u4e00\u6b21\u8acb\u9818\u9019\u500b\u9078\u9805\u3002<\/p>\n<p>\u5e74\u8cc725\u5e74\u4e00\u6b21\u8acb\u9818\u662f35\u500b\u6708\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u4ee540,000\u5143\u8a08\u7d04140\u842c\u5143\u3002<\/p>\n<p>2009\u5e74\u5f8c\u624d\u52a0\u4fdd\u7684\u4eba\uff0c\u5e74\u8cc7\u518d\u9577\u90fd\u8981\u7b4965\u6b72\u9818\u5e74\u91d1\uff0c\u6700\u65e9\u53ea\u80fd\u63d0\u524d\u523060\u6b72\u6e1b\u984d\u8acb\u9818\u3002<\/p>\n<\/blockquote>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u8cc7\u6eff25\u5e74\u53ef\u4ee5\u9000\u4f11\u55ce\uff1f\u770b\u7b2c\u4e00\u6b21\u52a0\u4fdd\u662f\u54ea\u4e00\u5e74<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\uff0c\u4f46\u96502008\u5e7412\u670831\u65e5\u4ee5\u524d\u5c31\u6709\u52de\u4fdd\u5e74\u8cc7\u7684\u4eba\uff0c\u6295\u4fdd\u5e74\u8cc7\u5408\u8a08\u6eff25\u5e74\u3001\u5e74\u6eff50\u6b72\u9000\u8077\uff0c\u53ef\u4ee5\u9078\u64c7\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\uff0c\u5728\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u5e74\u8cc7\u5408\u8a08\u6eff25\u5e74\u7684\u4eba\uff0c\u4e0d\u5fc5\u6eff50\u6b72\uff0c\u9000\u8077\u5c31\u80fd\u4e00\u6b21\u8acb\u9818<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2009\u5e74\u4ee5\u5f8c\u624d\u7b2c\u4e00\u6b21\u52a0\u4fdd\u7684\u4eba\u6c92\u6709\u4e00\u6b21\u8acb\u9818\u7684\u9078\u9805\uff0c\u5e74\u8cc7\u6eff15\u5e74\uff0c\u8981\u7b49\u5230\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\uff082026\u5e74\u8d7765\u6b72\uff09\u9818\u5e74\u91d1\uff0c\u6700\u65e9\u53ea\u80fd\u63d0\u524d\u523060\u6b72\u3001\u9818\u6e1b\u984d\u5e74\u91d1<sup>[1][2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u540c\u6a23\u662f\u5e74\u8cc725\u5e74\uff0c\u5dee\u5728\u7b2c\u4e00\u6b21\u52a0\u4fdd\u662f\u54ea\u4e00\u5e74\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u8cc7\u6eff30\u5e74\u4e5f\u662f\u540c\u4e00\u689d\u898f\u5b9a\uff0c\u6eff25\u5e74\u4ee5\u4e0a\u5c31\u7b97\u6578\uff0c\u591a\u51fa\u4f86\u7684\u5e74\u8cc7\u53ea\u6703\u8b93\u91d1\u984d\u8b8a\u9ad8\uff0c\u4e0d\u6703\u8b93\u8acb\u9818\u5e74\u9f61\u518d\u5f80\u524d\uff0c\u4e0b\u8868\u628a\u5e38\u88ab\u554f\u5230\u7684\u5e7e\u7a2e\u60c5\u6cc1\u653e\u5728\u4e00\u8d77\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u4f60\u7684\u60c5\u6cc1<\/th>\n<th>50\u6b72\u9000\u8077\u80fd\u4e0d\u80fd\u9818<\/th>\n<th>\u6700\u65e9\u4ec0\u9ebc\u6642\u5019\u80fd\u9818<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2008\u5e74\u5e95\u524d\u6709\u5e74\u8cc7\uff0c\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u5408\u8a08\u6eff25\u5e74<\/td>\n<td>\u53ef\u4ee5\uff0c\u4e00\u6b21\u8acb\u9818<\/td>\n<td>\u9000\u8077\u5373\u53ef\uff0c\u4e0d\u9650\u5e74\u9f61<\/td>\n<\/tr>\n<tr>\n<td>2008\u5e74\u5e95\u524d\u6709\u5e74\u8cc7\uff0c\u5408\u8a08\u6eff25\u5e74\uff08\u542b\u6eff30\u5e74\uff09<\/td>\n<td>\u53ef\u4ee5\uff0c\u4e00\u6b21\u8acb\u9818<\/td>\n<td>\u5e74\u6eff50\u6b72\u9000\u8077<\/td>\n<\/tr>\n<tr>\n<td>2008\u5e74\u5e95\u524d\u6709\u5e74\u8cc7\uff0c\u5408\u8a08\u6eff15\u5e74\u3001\u672a\u6eff25\u5e74<\/td>\n<td>\u4e0d\u884c<\/td>\n<td>55\u6b72\u9000\u8077\u4e00\u6b21\u8acb\u9818\uff0c\u621665\u6b72\u9818\u5e74\u91d1<\/td>\n<\/tr>\n<tr>\n<td>2008\u5e74\u5e95\u524d\u6709\u5e74\u8cc7\uff0c\u5408\u8a08\u672a\u6eff15\u5e74<\/td>\n<td>\u4e0d\u884c<\/td>\n<td>60\u6b72\uff08\u5973\u602755\u6b72\uff09\u9000\u8077\u4e00\u6b21\u8acb\u9818<\/td>\n<\/tr>\n<tr>\n<td>2009\u5e74\u8d77\u624d\u52a0\u4fdd\uff0c\u5e74\u8cc7\u6eff15\u5e74\uff08\u542b25\u300130\u5e74\uff09<\/td>\n<td>\u4e0d\u884c\uff0c\u6c92\u6709\u4e00\u6b21\u8acb\u9818<\/td>\n<td>60\u6b72\u6e1b\u984d\u5e74\u91d1\uff08\u5c1120%\uff09\uff0c65\u6b72\u5168\u984d<\/td>\n<\/tr>\n<tr>\n<td>\u5e74\u8cc7\u672a\u6eff15\u5e74<\/td>\n<td>\u4e0d\u884c<\/td>\n<td>65\u6b72\u9818\u8001\u5e74\u4e00\u6b21\u91d1<\/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\u7b2c58\u689d\u3001\u7b2c58-2\u689d\uff1b\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u8001\u5e74\u7d66\u4ed8\u8acb\u9818\u8cc7\u683c\u3009<sup>[1][2]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<p class=\"wp-block-paragraph\">\u80fd\u9818\u4e4b\u5f8c\uff0c\u4e0b\u4e00\u984c\u662f\u9818\u591a\u5c11\uff0c\u4e00\u6b21\u8acb\u9818\u6309\u5e74\u8cc7\u63db\u7b97\u6708\u6578\uff0c\u524d15\u5e74\u6bcf\u5e741\u500b\u6708\uff0c\u7b2c16\u5e74\u8d77\u6bcf\u5e742\u500b\u6708<sup>[1]<\/sup>\uff0c\u5e74\u8cc725\u5e74\u662f 15 + 10 \u00d7 2 \uff1d 35 \u500b\u6708\uff0c\u5e74\u8cc730\u5e74\u662f 15 + 15 \u00d7 2 \uff1d 45 \u500b\u6708\uff0c\u525b\u597d\u78b0\u523050\u6b72\u9000\u8077\u6642\u7684\u4e0a\u9650\u3002<\/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>\u5e74\u8cc725\u5e74\u4e00\u6b21\u8acb\u9818\uff0835\u500b\u6708\uff09<\/th>\n<th>\u5e74\u8cc730\u5e74\u4e00\u6b21\u8acb\u9818\uff0845\u500b\u6708\uff09<\/th>\n<th>\u5e74\u8cc725\u5e74\u300165\u6b72\u6708\u9818\u5e74\u91d1<\/th>\n<th>\u5e74\u8cc730\u5e74\u300165\u6b72\u6708\u9818\u5e74\u91d1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>30,000\u5143<\/td>\n<td>105\u842c\u5143<\/td>\n<td>135\u842c\u5143<\/td>\n<td>11,625\u5143<\/td>\n<td>13,950\u5143<\/td>\n<\/tr>\n<tr>\n<td>40,000\u5143<\/td>\n<td>140\u842c\u5143<\/td>\n<td>180\u842c\u5143<\/td>\n<td>15,500\u5143<\/td>\n<td>18,600\u5143<\/td>\n<\/tr>\n<tr>\n<td>45,800\u5143\uff08\u6700\u9ad8\u7d1a\u8ddd\uff09<\/td>\n<td>160\u842c3,000\u5143<\/td>\n<td>206\u842c1,000\u5143<\/td>\n<td>17,748\u5143<\/td>\n<td>21,297\u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c58\u689d\u3001\u7b2c58-2\u689d\u3001\u7b2c59\u689d\u8a08\u7b97<sup>[1]<\/sup>\uff0c\u6700\u9ad8\u7d1a\u8ddd\u4f9d2026\u5e74\u6295\u4fdd\u85aa\u8cc7\u5206\u7d1a\u8868<sup>[3]<\/sup>\uff1b\u4e00\u6b21\u8acb\u9818\u4ee5\u9000\u4fdd\u524d3\u5e74\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u8a08\uff0c\u5e74\u91d1\u4ee5\u6700\u9ad860\u500b\u6708\u5e73\u5747\u8a08\uff0c\u5169\u8005\u53d6\u7528\u7684\u85aa\u8cc7\u4e0d\u4e00\u5b9a\u76f8\u540c\uff0c\u5e74\u91d1\u63091.55%\u5f0f\u8a08\u7b97\uff08\u6b64\u8868\u5404\u5217\u5747\u9ad8\u65bc0.775%\uff0b3,000\u5143\u5f0f\uff09\uff0c\u5be6\u969b\u4ee5\u52de\u4fdd\u5c40\u6838\u5b9a\u70ba\u6e96<\/p>\n\n<p class=\"wp-block-paragraph\">\u62ff\u6295\u4fdd40,000\u5143\u3001\u5e74\u8cc725\u5e74\u4f86\u770b\uff0c50\u6b72\u4e00\u6b21\u9818140\u842c\u5143\uff0c\u7b49\u523065\u6b72\u6708\u981815,500\u5143\uff0c140\u842c \u00f7 15,500 \u2248 90 \u500b\u6708\uff0c\u6708\u9818\u5927\u7d04\u8981\u98187\u5e74\u534a\uff0c\u52a0\u7e3d\u624d\u8ffd\u4e0a\u4e00\u6b21\u8acb\u9818\u7684\u91d1\u984d\uff08\u672a\u8a08\u5229\u606f\u8207\u7269\u50f9\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5c31\u7b97 50 \u6b72\u80fd\u4e00\u6b21\u8acb\u9818\uff0c\u96e2 65 \u6b72\u9084\u6709 15 \u5e74\uff0c\u9019\u6bb5\u6642\u9593\u548c\u4e4b\u5f8c\u7684\u751f\u6d3b\u8cbb\u5f9e\u54ea\u88e1\u4f86\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\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5f9e\u6c11\u570b39\u5e74\uff081950\u5e74\uff09\u958b\u59cb\u5be6\u65bd\uff0c\u5c6c\u65bc\u5f37\u5236\u4fdd\u96aa\uff0c\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<p class=\"wp-block-paragraph\">\u5b83\u7528\u96c6\u9ad4\u4e92\u52a9\u7684\u65b9\u5f0f\uff0c\u66ff\u52de\u5de5\u5728\u5de5\u4f5c\u671f\u9593\u7684\u610f\u5916\u98a8\u96aa\u8207\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u588a\u4e00\u5c64\u7d93\u6fdf\u4fdd\u969c\uff0c\u6709\u4e00\u5b9a\u96c7\u4e3b\u7684\u52de\u5de5\uff0c\u666e\u901a\u4e8b\u6545\u4fdd\u96aa\u8cbb\u7531\u4e09\u65b9\u5206\u64d4\uff0c\u52de\u5de5\u8ca0\u64d420%\u3001\u96c7\u4e3b\u8ca0\u64d470%\u3001\u653f\u5e9c\u88dc\u52a910%<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u7fd2\u6163\u628a\u52de\u4fdd\u60f3\u6210\u9000\u4f11\u6536\u5165\u7684\u5730\u677f\uff0c\u5b83\u8b93\u4eba\u4e0d\u81f3\u65bc\u6389\u5230\u5e95\uff0c\u5730\u677f\u4e0a\u9762\u8981\u84cb\u5e7e\u5c64\u6a13\uff0c\u5f97\u9760\u52de\u9000\u548c\u81ea\u5df1\u3002<\/p>\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<p class=\"wp-block-paragraph\">\u4e00\u6b21\u8acb\u9818\u548c\u6309\u6708\u9818\u5e74\u91d1\uff0c\u7b97\u6cd5\u4e0d\u540c\uff0c\u5169\u689d\u516c\u5f0f\u90fd\u8981\u6703\uff0c\u624d\u6709\u8fa6\u6cd5\u6bd4\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u4e00\u6b21\u9818\u8a08\u7b97\u516c\u5f0f\uff1a\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u600e\u9ebc\u7b97<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4fdd\u96aa\u5e74\u8cc7\u5408\u8a08\u6bcf\u6eff1\u5e74\uff0c\u767c\u7d661\u500b\u6708\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u8d85\u904e15\u5e74\u7684\u90e8\u5206\u6bcf\u6eff1\u5e74\u767c\u7d662\u500b\u6708\uff0c\u6700\u9ad845\u500b\u6708\uff0c60\u6b72\u4ee5\u5f8c\u7e7c\u7e8c\u5de5\u4f5c\u7684\u5e74\u8cc7\u6700\u591a\u8a085\u5e74\uff0c\u5408\u8a08\u6700\u9ad850\u500b\u6708<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u8acb\u9818\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u6309\u9000\u4fdd\u524d3\u5e74\u7684\u5be6\u969b\u6708\u6295\u4fdd\u85aa\u8cc7\u5e73\u5747\u8a08\u7b97<sup>[1]<\/sup>\uff0c\u6240\u4ee5\u9000\u4f11\u524d\u6700\u5f8c\u5e7e\u5e74\u7684\u6295\u4fdd\u85aa\u8cc7\uff0c\u5c0d\u4e00\u6b21\u8acb\u9818\u7684\u91d1\u984d\u5f71\u97ff\u5f88\u5927\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\u5c0f\u660e\u6295\u4fdd20\u5e74\uff0c\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\u70ba40,000\u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u524d15\u5e74\uff1a15 \u00d7 40,000 = 600,000\u5143<\/li>\n<li>\u5f8c5\u5e74\uff1a5 \u00d7 2 \u00d7 40,000 = 200,000\u5143<\/li>\n<li>\u7e3d\u984d\uff1a600,000 + 200,000 = 800,000\u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u5716 1 \u986f\u793a\uff0c\u904e\u4e86\u7b2c 16 \u5e74\uff0c\u6bcf\u591a\u505a\u4e00\u5e74\uff0c\u4e00\u6b21\u8acb\u9818\u7684\u6708\u6578\u5c31\u591a\u5169\u500b\u6708\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\/13164_\u4e00\u6b21\u8acb\u9818\u7d66\u4ed8\u6708\u6578.png\" alt=\"\u6298\u7dda\u5716\uff1a\u52de\u4fdd\u4e00\u6b21\u8acb\u9818\u7684\u7d66\u4ed8\u6708\u6578\u96a8\u5e74\u8cc7\u589e\u52a0\uff0c\u524d 15 \u5e74\u6bcf\u5e74 1 \u500b\u6708\uff0c\u7b2c 16 \u5e74\u8d77\u6bcf\u5e74 2 \u500b\u6708\uff0c\u5e74\u8cc7 30 \u5e74\u9054\u4e0a\u9650 45 \u500b\u6708\uff1b\u5e74\u8cc7 20 \u5e74\u70ba 25 \u500b\u6708\uff0c\u6295\u4fdd 40,000 \u5143\u53ef\u9818 80 \u842c\u5143\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c59\u689d<sup>[1]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u5e74\u91d1\u6309\u6708\u9818\u53d6\u600e\u9ebc\u7b97\uff1f\u5169\u7a2e\u516c\u5f0f\u53d6\u9ad8<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4f9d\u52de\u4fdd\u5e74\u8cc7\u53ca\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u5f9e\u5169\u7a2e\u7b97\u6cd5\u53d6\u8f03\u9ad8\u8005<sup>[1]<\/sup>\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u65b9\u5f0fA\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 0.775% + 3,000\u5143<\/li>\n<li>\u65b9\u5f0fB\uff1a\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7 \u00d7 \u5e74\u8cc7 \u00d7 1.55%<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u5c0f\u660e\u82e5\u6295\u4fdd30\u5e74\u3001\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc740,000\u5143\uff0c\u65b9\u5f0fA\u662f 40,000 \u00d7 30 \u00d7 0.775% + 3,000 = 9,300 + 3,000 = 12,300\u5143\/\u6708\uff0c\u65b9\u5f0fB\u662f 40,000 \u00d7 30 \u00d7 1.55% = 18,600\u5143\/\u6708\uff0c\u53d6\u8f03\u9ad8\u8005\uff0c\u6bcf\u6708\u981818,600\u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u7684\u5e73\u5747\u6708\u6295\u4fdd\u85aa\u8cc7\uff0c\u4ee5\u52a0\u4fdd\u671f\u9593\u6700\u9ad860\u500b\u6708\u7684\u6708\u6295\u4fdd\u85aa\u8cc7\u5e73\u5747\u8a08\u7b97<sup>[1]<\/sup>\uff0c\u8ddf\u4e00\u6b21\u8acb\u9818\u770b\u6700\u5f8c3\u5e74\u4e0d\u4e00\u6a23\uff0c\u5be6\u969b\u91d1\u984d\u4ee5\u52de\u4fdd\u5c40\u6838\u5b9a\u70ba\u6e96\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u5f0f\u6703\u4e86\uff0c\u60f3\u76f4\u63a5\u770b\u81ea\u5df1\u7684\u6295\u4fdd\u85aa\u8cc7\u548c\u5e74\u8cc7\u6bcf\u6708\u9818\u591a\u5c11\uff0c\u53ef\u4ee5\u67e5<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13072\">\u52de\u4fdd\u6708\u9000\u8a66\u7b97\uff1a45800 \u6700\u9ad8\u6295\u4fdd\u85aa\u8cc7\u9818\u591a\u5c11\uff1f2026 \u5c0d\u7167\u8868<\/a>\uff0c\u5e74\u8cc7 15 \u5230 40 \u5e74\u90fd\u6709\u5217\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-mid alpha-cta-retire has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left-color:#006ece;border-left-width:4px;background-color:#f3f7fb;padding:16px 20px\">\n<p class=\"wp-block-paragraph\"><strong>\u770b\u5b8c\u898f\u5b9a\uff0c\u9084\u662f\u4e0d\u78ba\u5b9a\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u5920\u4e0d\u5920\u7528\uff1f<\/strong><\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-7b4500cd wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;border:2px solid #00b900;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>\u52a0 LINE\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u5e7e\u6b72\u53ef\u4ee5\u9818\uff1f\u4e00\u6b21\u9818\u770b\u5e74\u8cc7\uff0c\u6708\u981865\u6b72<\/h2>\n\n<p class=\"wp-block-paragraph\">\u80fd\u9818\u7684\u5e74\u9f61\uff0c\u770b\u6295\u4fdd\u5e74\u8cc7\u8207\u9078\u64c7\u7684\u9818\u6cd5\uff0c\u6309\u6708\u9818\u8001\u5e74\u5e74\u91d1\uff0c\u8981\u6295\u4fdd\u5e74\u8cc7\u5408\u8a08\u6eff15\u5e74\uff0c\u4e26\u9054\u5230\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\uff0c2026\u5e74\u8d77\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\u662f65\u6b72\uff0c\u5e74\u8cc7\u6eff15\u5e74\u7684\u4eba\u6700\u591a\u53ef\u4ee5\u63d0\u524d5\u5e74\u8acb\u9818\uff0c\u6bcf\u63d0\u524d1\u5e74\u6e1b\u7d664%<sup>[1][2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\uff0c\u53ea\u67092008\u5e7412\u670831\u65e5\u4ee5\u524d\u5c31\u6709\u52de\u4fdd\u5e74\u8cc7\u7684\u4eba\u53ef\u4ee5\u9078\uff0c\u7b26\u5408\u4e0b\u8868\u4efb\u4e00\u689d\u4ef6\u5c31\u80fd\u7533\u8acb\uff0c\u4e0d\u5fc5\u7b49\u523065\u6b72<sup>[1][2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8ad6\u54ea\u4e00\u7a2e\uff0c\u90fd\u8981\u8fa6\u7406\u96e2\u8077\u9000\u4fdd\uff0c\u4e00\u6b21\u8acb\u9818\u7d93\u52de\u4fdd\u5c40\u6838\u4ed8\u5f8c\u5c31\u4e0d\u80fd\u8b8a\u66f4\uff0c\u6240\u4ee5\u6c7a\u5b9a\u4e4b\u524d\uff0c\u5169\u7a2e\u7b97\u6cd5\u6700\u597d\u90fd\u5148\u7b97\u904e\u4e00\u904d\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9818\u53d6\u65b9\u5f0f<\/th>\n<th>\u6295\u4fdd\u5e74\u8cc7<\/th>\n<th>\u5e74\u9f61<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4e00\u6b21\u8acb\u9818\uff08\u96502008\u5e74\u4ee5\u524d\u6709\u5e74\u8cc7\u8005\u9078\u64c7\uff09<\/td>\n<td>\u5408\u8a08\u6eff1\u5e74<\/td>\n<td>\u5e74\u6eff60\u6b72\uff08\u5973\u602755\u6b72\uff09\u9000\u8077<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u5408\u8a08\u6eff15\u5e74<\/td>\n<td>\u5e74\u6eff55\u6b72\u9000\u8077<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u5408\u8a08\u6eff25\u5e74<\/td>\n<td>\u4e0d\u9650\u5e74\u9f61\uff0c\u9000\u8077\u5373\u53ef<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u5408\u8a08\u6eff25\u5e74<\/td>\n<td>\u5e74\u6eff50\u6b72\u9000\u8077<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u5371\u96aa\u3001\u5805\u5f37\u9ad4\u529b\u7b49\u7279\u6b8a\u6027\u8cea\u5de5\u4f5c\u5408\u8a08\u6eff5\u5e74<\/td>\n<td>\u5e74\u6eff55\u6b72\u9000\u8077<\/td>\n<\/tr>\n<tr>\n<td>\u6309\u6708\u9818\u5e74\u91d1<\/td>\n<td>\u5408\u8a08\u6eff15\u5e74<\/td>\n<td>\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\uff082026\u5e74\u8d7765\u6b72\uff09\uff1b\u6700\u65e9\u53ef\u63d0\u524d5\u5e74\u6e1b\u984d\u8acb\u9818<\/td>\n<\/tr>\n<tr>\n<td>\u8001\u5e74\u4e00\u6b21\u91d1<\/td>\n<td>\u5408\u8a08\u672a\u6eff15\u5e74<\/td>\n<td>\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\uff082026\u5e74\u8d7765\u6b72\uff09<\/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\u7b2c58\u689d\u3001\u7b2c58-2\u689d\uff1b\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u8001\u5e74\u7d66\u4ed8\u8acb\u9818\u8cc7\u683c\u3009<sup>[1][2]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 2 \u986f\u793a\uff0c\u4e94\u6b3e\u4e00\u6b21\u8acb\u9818\u689d\u4ef6\u88e1\uff0c\u53ea\u6709\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u6eff 25 \u5e74\u9019\u4e00\u6b3e\u4e0d\u770b\u5e74\u9f61\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\/13164_\u4e00\u6b21\u8acb\u9818\u689d\u4ef6.png\" alt=\"\u6a6b\u689d\u5716\uff1a\u52de\u4fdd\u4e00\u6b21\u8acb\u9818\u4e94\u6b3e\u689d\u4ef6\u7684\u6700\u65e9\u8acb\u9818\u5e74\u9f61\uff0c\u540c\u4e00\u6295\u4fdd\u55ae\u4f4d\u5408\u8a08\u6eff 25 \u5e74\u4e0d\u9650\u5e74\u9f61\uff0c\u5408\u8a08\u6eff 25 \u5e74 50 \u6b72\uff0c\u5408\u8a08\u6eff 15 \u5e74 55 \u6b72\uff0c\u7279\u6b8a\u6027\u8cea\u5de5\u4f5c\u6eff 5 \u5e74 55 \u6b72\uff0c\u5408\u8a08\u6eff 1 \u5e74 60 \u6b72\uff08\u5973\u6027 55 \u6b72\uff09\uff1b\u5c0d\u7167\u5e74\u91d1 65 \u6b72\u8d77\u3001\u6700\u65e9\u53ef\u63d0\u524d\u5230 60 \u6b72\u6e1b\u984d\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c58\u689d\uff1b\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u8001\u5e74\u7d66\u4ed8\u8acb\u9818\u8cc7\u683c\u3009<sup>[1][2]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u7684\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61\uff0c2009\u5e74\u52de\u4fdd\u5e74\u91d1\u4e0a\u8def\u6642\u662f60\u6b72\uff0c2018\u5e74\u63d0\u9ad8\u70ba61\u6b72\uff0c\u4e4b\u5f8c\u6bcf\u5169\u5e74\u63d0\u9ad81\u6b72\uff0c2026\u5e74\u523065\u6b72\u70ba\u6b62<sup>[1]<\/sup>\uff0c\u6c11\u570b51\u5e74\uff081962\u5e74\uff09\u4ee5\u5f8c\u51fa\u751f\u7684\u4eba\uff0c\u90fd\u662f65\u6b72\u624d\u80fd\u9818\u5168\u984d\u5e74\u91d1<sup>[2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 3 \u986f\u793a\uff0c\u5e74\u91d1\u8acb\u9818\u5e74\u9f61\u5f9e 2018 \u5e74\u8d77\u6bcf\u5169\u5e74\u52a0\u4e00\u6b72\uff0c\u73fe\u5728\u5df2\u7d93\u8d70\u5230\u7d42\u9ede\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\/13164_\u5e74\u91d1\u8acb\u9818\u5e74\u9f61\u9010\u5e74.png\" alt=\"\u968e\u68af\u5716\uff1a\u52de\u4fdd\u5e74\u91d1\u6cd5\u5b9a\u8acb\u9818\u5e74\u9f61 2009 \u5e74 60 \u6b72\uff0c2018 \u5e74 61 \u6b72\uff0c\u4e4b\u5f8c\u6bcf\u5169\u5e74\u52a0 1 \u6b72\uff0c2020 \u5e74 62 \u6b72\u30012022 \u5e74 63 \u6b72\u30012024 \u5e74 64 \u6b72\uff0c2026 \u5e74\u5230 65 \u6b72\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c58\u689d\uff1b\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u3008\u8001\u5e74\u7d66\u4ed8\u8acb\u9818\u8cc7\u683c\u3009<sup>[1][2]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u662f\u505a\u4ec0\u9ebc\u7528\u7684\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u7684\u7528\u9014\uff0c\u662f\u5728\u52de\u5de5\u56e0\u751f\u80b2\u3001\u50b7\u75c5\u3001\u5931\u80fd\u3001\u6b7b\u4ea1\u6216\u9000\u4f11\u5931\u53bb\u6536\u5165\u6642\uff0c\u4f9d\u898f\u5b9a\u63d0\u4f9b\u7d66\u4ed8\uff0c\u7dad\u6301\u52de\u5de5\u8207\u5bb6\u5ead\u7684\u57fa\u672c\u751f\u6d3b\uff0c\u6e1b\u8f15\u610f\u5916\u6216\u8001\u5e74\u5e36\u4f86\u7684\u7d93\u6fdf\u8ca0\u64d4\uff0c\u98a8\u96aa\u7531\u5168\u9ad4\u88ab\u4fdd\u96aa\u4eba\u4e00\u8d77\u5206\u64d4\uff08\u9019\u4e5f\u662f\u5b83\u53eb\u300c\u4fdd\u96aa\u300d\u7684\u539f\u56e0\uff0c\u4e0d\u662f\u6bcf\u500b\u4eba\u7e73\u591a\u5c11\u5c31\u9818\u56de\u591a\u5c11\uff09\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u4fdd\u969c\u9805\u76ee<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u7684\u7d66\u4ed8\u5206\u70ba\u4e94\u985e\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u52de\u4fdd\u7d66\u4ed8\u9805\u76ee<\/th>\n<th>\u8aaa\u660e<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u751f\u80b2\u7d66\u4ed8<\/td>\n<td>\u5973\u6027\u52de\u5de5\u6216\u7537\u6027\u52de\u5de5\u7684\u914d\u5076\u751f\u7522\u6642\uff0c\u4e00\u6b21\u6027\u6216\u5206\u6b21\u7d66\u4ed8<\/td>\n<\/tr>\n<tr>\n<td>\u50b7\u75c5\u7d66\u4ed8<\/td>\n<td>\u56e0\u666e\u901a\u50b7\u75c5\u7121\u6cd5\u5de5\u4f5c\u6642\uff0c\u88dc\u511f\u85aa\u8cc7\u640d\u5931<\/td>\n<\/tr>\n<tr>\n<td>\u5931\u80fd\u7d66\u4ed8<\/td>\n<td>\u56e0\u610f\u5916\u6216\u75be\u75c5\u5c0e\u81f4\u6c38\u4e45\u5931\u80fd\u6642\uff0c\u4e00\u6b21\u6027\u6216\u6309\u6708\u7d66\u4ed8\uff08\u539f\u7a31\u300c\u6b98\u5ee2\u7d66\u4ed8\u300d\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u8001\u5e74\u7d66\u4ed8<\/td>\n<td>\u9000\u4f11\u6642\u8acb\u9818\uff0c\u652f\u61c9\u8001\u5e74\u751f\u6d3b<\/td>\n<\/tr>\n<tr>\n<td>\u6b7b\u4ea1\u7d66\u4ed8<\/td>\n<td>\u52de\u5de5\u904e\u4e16\u5f8c\uff0c\u907a\u5c6c\u9818\u53d6\u55aa\u846c\u88dc\u52a9\u6216\u907a\u5c6c\u5e74\u91d1<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u81ea2022\u5e745\u67081\u65e5\u8d77\uff0c\u8077\u696d\u707d\u5bb3\u4fdd\u96aa\u5df2\u5f9e\u52de\u4fdd\u7368\u7acb\u51fa\u4f86\uff0c\u6539\u4f9d\u300a\u52de\u5de5\u8077\u696d\u707d\u5bb3\u4fdd\u96aa\u53ca\u4fdd\u8b77\u6cd5\u300b\u8fa6\u7406\uff0c\u4fdd\u8cbb\u7531\u96c7\u4e3b\u5168\u984d\u8ca0\u64d4\uff0c\u52de\u5de5\u4e0d\u7528\u5206\u6524\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u8ddf\u52de\u9000\u5dee\u5728\u54ea\uff1f\u4e00\u500b\u662f\u793e\u6703\u4fdd\u96aa\uff0c\u4e00\u500b\u662f\u500b\u4eba\u5e33\u6236<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u548c\u52de\u5de5\u9000\u4f11\u91d1\uff08\u7c21\u7a31\u52de\u9000\uff0cLabor Pension\uff09\u540d\u7a31\u76f8\u8fd1\uff0c\u5e38\u88ab\u6df7\u70ba\u4e00\u8ac7\uff0c\u4e0d\u904e\u5b83\u5011\u662f\u5169\u5957\u5236\u5ea6\uff0c\u52de\u4fdd\u662f\u793e\u6703\u4fdd\u96aa\uff0c\u91cd\u5728\u98a8\u96aa\u5206\u64d4\uff0c\u52de\u9000\u662f\u500b\u4eba\u9000\u4f11\u5132\u84c4\uff0c\u5c6c\u65bc\u78ba\u5b9a\u63d0\u64a5\u5236\uff08defined contribution\uff09\uff0c\u53ea\u7ba1\u9000\u4f11\u91d1\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th><\/th>\n<th>\u52de\u4fdd<\/th>\n<th>\u52de\u9000<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6cd5\u5f8b\u4f9d\u64da<\/td>\n<td>\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b<\/td>\n<td>\u300a\u52de\u52d5\u57fa\u6e96\u6cd5\u300b\u53ca\u300a\u52de\u5de5\u9000\u4f11\u91d1\u689d\u4f8b\u300b<\/td>\n<\/tr>\n<tr>\n<td>\u8cc7\u91d1\u4f86\u6e90<\/td>\n<td>\u6709\u4e00\u5b9a\u96c7\u4e3b\u8005\uff1a\u52de\u5de520%\u3001\u96c7\u4e3b70%\u3001\u653f\u5e9c10%<\/td>\n<td>\u96c7\u4e3b\u6bcf\u6708\u63d0\u64a5\u5de5\u8cc76%\u5230\u52de\u5de5\u500b\u4eba\u5c08\u6236\uff0c\u52de\u5de5\u53ef\u81ea\u9858\u63d0\u64a50-6%<\/td>\n<\/tr>\n<tr>\n<td>\u4fdd\u969c\u5167\u5bb9<\/td>\n<td>\u751f\u80b2\u3001\u50b7\u75c5\u3001\u5931\u80fd\u3001\u6b7b\u4ea1\u3001\u8001\u5e74<\/td>\n<td>\u50c5\u9000\u4f11\u91d1<\/td>\n<\/tr>\n<tr>\n<td>\u9818\u53d6\u65b9\u5f0f<\/td>\n<td>\u4e00\u6b21\u8acb\u9818\u6216\u6309\u6708\u9818\u5e74\u91d1<\/td>\n<td>\u500b\u4eba\u5c08\u6236\u7d2f\u7a4d\u91d1\u984d\uff0c\u4e00\u6b21\u6216\u5206\u671f\u9818\u53d6<\/td>\n<\/tr>\n<tr>\n<td>\u5e7e\u6b72\u53ef\u4ee5\u9818<\/td>\n<td>\u5e74\u91d12026\u5e74\u8d7765\u6b72\uff1b\u4e00\u6b21\u8acb\u9818\u96502008\u5e74\u5e95\u524d\u6709\u5e74\u8cc7\u8005\uff0c\u4f9d\u5e74\u8cc750\uff5e60\u6b72<sup>[1]<\/sup><\/td>\n<td>\u5e74\u6eff60\u6b72\uff0c\u5de5\u4f5c\u5e74\u8cc7\u6eff15\u5e74\u53ef\u9078\u6708\u9818\u6216\u4e00\u6b21\u9818\uff0c\u672a\u6eff15\u5e74\u4e00\u6b21\u9818<sup>[4]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u6027\u8cea<\/td>\n<td>\u793e\u6703\u4fdd\u96aa\uff0c\u98a8\u96aa\u5206\u64d4<\/td>\n<td>\u500b\u4eba\u9000\u4f11\u5132\u84c4\uff0c\u78ba\u5b9a\u63d0\u64a5\u5236<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u5c08\u6236\u88e1\u96c7\u4e3b\u6bcf\u6708\u63d0\u64a5\u7684 6% \u600e\u9ebc\u7b97\u300160 \u6b72\u4e4b\u5f8c\u600e\u9ebc\u9818\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u9000\u65b0\u5236\u8a66\u7b97\uff1a6% \u600e\u9ebc\u7b97\u3001\u600e\u9ebc\u9818\uff1f2026 \u6708\u9818\u5c0d\u7167\u8868<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u4fdd\u969c\u7bc4\u570d\u5ee3\uff0c\u52de\u9000\u5c08\u9580\u6e96\u5099\u9000\u4f11\u91d1\uff0c\u5169\u8005\u5404\u81ea\u8a08\u7b97\u3001\u4e92\u4e0d\u5f71\u97ff\uff0c\u5982\u679c\u4f60 2005 \u5e74\u4ee5\u524d\u5c31\u5728\u8077\u3001\u5e74\u8cc7\u6a6b\u8de8\u65b0\u820a\u5236\uff0c\u52de\u9000\u65b0\u5236\u4f55\u6642\u958b\u59cb\u3001\u65b0\u820a\u5236\u80fd\u4e0d\u80fd\u540c\u6642\u9818\uff0c\u53ef\u4ee5\u63a5\u8457\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13147\">\u52de\u9000\u65b0\u5236\u4f55\u6642\u958b\u59cb\uff1f2005\u5e74\u4e0a\u8def\uff0c\u65b0\u820a\u5236\u5dee\u5225\u8207\u80fd\u5426\u540c\u6642\u9818<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u52de\u4fdd\u4ec0\u9ebc\u6642\u5019\u958b\u59cb\u4fdd\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5f9e\u52de\u5de5\u6b63\u5f0f\u53d7\u96c7\u7684\u90a3\u4e00\u5929\u958b\u59cb\uff0c\u4f9d\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\uff0c\u5e74\u6eff15\u6b72\u81f365\u6b72\u3001\u53d7\u50f1\u65bc\u50f1\u75285\u4eba\u4ee5\u4e0a\u516c\u53f8\u884c\u865f\u6216\u5de5\u5ee0\u7b49\u55ae\u4f4d\u7684\u52de\u5de5\uff0c\u4e0d\u8ad6\u5168\u8077\u6216\u90e8\u5206\u5de5\u6642\uff0c\u96c7\u4e3b\u61c9\u65bc\u5230\u8077\u7576\u65e5\u8fa6\u7406\u52a0\u4fdd\uff0c\u50f1\u7528\u672a\u6eff5\u4eba\u7684\u55ae\u4f4d\uff0c\u54e1\u5de5\u53ef\u4ee5\u81ea\u9858\u52a0\u4fdd<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u96c7\u4e3b\u6c92\u6709\u4f9d\u6cd5\u6295\u4fdd\uff0c\u52de\u5de5\u53ef\u4ee5\u5411\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u7533\u8a34\uff0c\u8981\u6c42\u88dc\u8fa6\u4e26\u8ffd\u7e73\u6b0a\u76ca\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53cd\u904e\u4f86\uff0c\u96e2\u8077\u9000\u4fdd\u3001\u9084\u6c92\u627e\u5230\u4e0b\u4e00\u4efd\u5de5\u4f5c\u7684\u90a3\u6bb5\u7a7a\u7a97\uff0c\u5e74\u6eff 25 \u6b72\u53c8\u6c92\u6709\u5176\u4ed6\u793e\u6703\u4fdd\u96aa\u7684\u4eba\uff0c\u570b\u4fdd\u6703\u81ea\u52d5\u63a5\u4e0a\uff0c\u9019\u6bb5\u570b\u4fdd\u5e74\u8cc7\u5230 65 \u6b72\u4e00\u500b\u6708\u80fd\u9818\u591a\u5c11\uff0c\u53ef\u4ee5\u67e5<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14446\">\u570b\u6c11\u5e74\u91d1\u4e00\u500b\u6708\u9818\u591a\u5c11\uff1f2026 \u7e73 1\uff5e40 \u5e74\u8a66\u7b97\u5c0d\u7167\u8868<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5de5\u8b80\u751f\u6709\u52de\u4fdd\u55ce\uff1f<\/h2>\n\n<p 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