{"id":13198,"date":"2025-02-23T14:53:56","date_gmt":"2025-02-23T06:53:56","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13198"},"modified":"2026-10-21T17:04:05","modified_gmt":"2026-10-21T09:04:05","slug":"%e5%85%ac%e4%bf%9d%e5%85%a8%e6%94%bb%e7%95%a5%ef%bc%9a%e5%85%ac%e4%bf%9d%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f%e7%b5%a6%e4%bb%98%e3%80%81%e4%bf%9d%e8%b2%bb%e8%88%87%e9%80%80%e4%bc%91%e9%87%91%e8%a8%88","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13198","title":{"rendered":"\u516c\u4fdd\u662f\u4ec0\u9ebc\uff1f\u4fdd\u8cbb\u600e\u9ebc\u6263\u3001\u7d66\u4ed8\u8207\u9000\u4f11\u91d1\u600e\u9ebc\u7b97"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u516c\u4fdd\u5c31\u662f\u516c\u52d9\u54e1\u7684\u9000\u4f11\u91d1\u55ce\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u85aa\u8cc7\u55ae\u4e0a\u90a3\u4e00\u6b04\u300c\u516c\u4fdd\u8cbb\u300d\uff0c\u4e00\u500b\u6708\u5230\u5e95\u6263\u4e86\u591a\u5c11\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u7684\u6642\u5019\uff0c\u516c\u4fdd\u662f\u4e00\u6b21\u9818\u4e00\u7b46\uff0c\u9084\u662f\u6bcf\u500b\u6708\u9818\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\uff08Government Employees and School Staff Insurance\uff0c\u7c21\u7a31\u516c\u4fdd\uff09\u662f\u4e00\u4efd\u793e\u6703\u4fdd\u96aa\uff08Social Insurance\uff09\uff0c\u9000\u4f11\u6642\u7684\u300c\u990a\u8001\u7d66\u4ed8\u300d\u53ea\u662f\u5b83\u516d\u9805\u7d66\u4ed8\u4e2d\u7684\u4e00\u9805\uff1b\u800c\u4e14\u5927\u591a\u6578\u73fe\u8077\u516c\u52d9\u54e1\u548c\u516c\u7acb\u5b78\u6821\u8001\u5e2b\uff0c\u9000\u4f11\u6642\u5f9e\u516c\u4fdd\u62ff\u5230\u7684\u662f\u4e00\u7b46\u4e00\u6b21\u7d66\u4ed8\uff0c\u6309\u6708\u5165\u5e33\u7684\u90a3\u7b46\u9322\uff0c\u662f\u53e6\u4e00\u5957\u5236\u5ea6\u300c\u9000\u64ab\u300d\u767c\u7684\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u4ee5\u524d\u4e5f\u662f\u516c\u52d9\u54e1\uff0c\u6211\u5f88\u559c\u6b61\u7528\u4e00\u500b\u6bd4\u55bb\u4f86\u770b\u9019\u4efd\u5de5\u4f5c\uff1a\u516c\u52d9\u54e1\u50cf\u4e00\u5f35\u9577\u5929\u671f\u50b5\u5238\uff08Long-duration Bond\uff09\uff0c\u6bcf\u500b\u6708\u7684\u85aa\u6c34\u662f\u56fa\u5b9a\u5165\u5e33\u7684\u7968\u606f\uff08Coupon\uff09\uff0c\u6ce2\u52d5\u5c0f\u3001\u6642\u9593\u62c9\u5f97\u5f88\u9577\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\uff0c\u5c31\u662f\u9019\u5f35\u50b5\u5238\u689d\u6b3e\u88e1\u7684\u4e00\u90e8\u5206\uff1a\u6bcf\u500b\u6708\u6263\u7684\u4fdd\u8cbb\u662f\u6210\u672c\uff0c\u9000\u4f11\u6642\u7684\u990a\u8001\u7d66\u4ed8\u662f\u6700\u5f8c\u90a3\u6bb5\u511f\u4ed8\uff0c\u53ea\u662f\u6709\u7684\u4eba\u62ff\u5230\u7684\u662f\u5230\u671f\u4e00\u6b21\u9084\u672c\uff0c\u6709\u7684\u4eba\u62ff\u5230\u7684\u662f\u6bcf\u500b\u6708\u5206\u671f\u4ed8\u6b3e\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6703\u5728\u9019\u500b\u6642\u9593\u9ede\u67e5\u516c\u4fdd\u7684\uff0c\u901a\u5e38\u662f\u5e7e\u7a2e\u4eba\uff1a\u525b\u8003\u4e0a\u516c\u8077\u3001\u5728\u85aa\u8cc7\u55ae\u4e0a\u7b2c\u4e00\u6b21\u770b\u5230\u300c\u516c\u4fdd\u8cbb\u300d\u7684\u65b0\u4eba\uff1b\u5728\u79c1\u7acb\u5b78\u6821\u6559\u4e86\u4e8c\u3001\u4e09\u5341\u5e74\uff0c\u4eba\u4e8b\u5ba4\u554f\u300c\u5e74\u91d1\u9084\u662f\u4e00\u6b21\u9818\u300d\u7684\u8001\u5e2b\uff1b\u6e96\u5099\u96e2\u958b\u516c\u8077\u8f49\u5230\u6c11\u9593\uff0c\u64d4\u5fc3\u5e74\u8cc7\u6703\u4e0d\u6703\u6b78\u96f6\u7684\u4eba\uff1b\u9084\u6709\u4eca\u5e74 6 \u6708\u770b\u5230\u300c\u516c\u4fdd\u5e74\u91d1\u8abf\u9ad8 6.46%\u300d\u65b0\u805e\uff0c\u60f3\u77e5\u9053\u81ea\u5df1\u6709\u6c92\u6709\u4efd\u7684\u9000\u4f11\u65cf\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u5e7e\u7a2e\u4eba\u80fd\u9818\u4ec0\u9ebc\u3001\u600e\u9ebc\u9818\u90fd\u4e0d\u4e00\u6a23\uff0c\u5dee\u5225\u5728\u65bc\u4f60\u662f\u54ea\u4e00\u7a2e\u8eab\u5206\u3001\u4ec0\u9ebc\u6642\u5019\u958b\u59cb\u6295\u4fdd\uff0c\u689d\u6b3e\u8b80\u6e05\u695a\u4e86\uff0c\u5404\u81ea\u7684\u6578\u5b57\u5c31\u7b97\u5f97\u51fa\u4f86\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u4fdd\u4fdd\u7684\u662f\u8ab0\uff1f\u53f0\u7063\u9280\u884c\u548c\u516c\u4fdd\u662f\u4ec0\u9ebc\u95dc\u4fc2<\/h2>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u5168\u540d\u662f\u300c\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u300d\uff0c\u4f9d\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\u8fa6\u7406\uff0c\u9019\u90e8\u6cd5\u5f8b\u5728 1958 \u5e74\uff08\u6c11\u570b 47 \u5e74 1 \u6708\uff09\u5236\u5b9a\uff0c\u7576\u6642\u53eb\u300a\u516c\u52d9\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\uff0c1999 \u5e74\u624d\u6539\u6210\u73fe\u5728\u7684\u540d\u7a31\uff0c\u6700\u8fd1\u4e00\u6b21\u4fee\u6b63\u662f 2024 \u5e74 1 \u6708 3 \u65e5\uff08\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\u6cd5\u898f\u6cbf\u9769\uff09<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8981\u53c3\u52a0\u516c\u4fdd\u7684\u4eba\uff0c\u4f9d\u7b2c 2 \u689d\u6709\u4e09\u985e\uff1a\u6cd5\u5b9a\u6a5f\u95dc\u7de8\u5236\u5167\u7684\u6709\u7d66\u5c08\u4efb\u4eba\u54e1\u3001\u516c\u7acb\u5b78\u6821\u7de8\u5236\u5167\u7684\u6709\u7d66\u5c08\u4efb\u6559\u8077\u54e1\uff0c\u4ee5\u53ca\u7b26\u5408\u689d\u4ef6\u7684\u79c1\u7acb\u5b78\u6821\u6709\u7d66\u5c08\u4efb\u6559\u8077\u54e1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53ea\u8981\u7b26\u5408\u8cc7\u683c\u5c31\u4e00\u5f8b\u8981\u52a0\u4fdd\uff0c\u4e0d\u80fd\u9078\u64c7\u4e0d\u4fdd\uff08\u7b2c 6 \u689d\uff09\uff1b\u81e8\u6642\u4eba\u54e1\u3001\u517c\u4efb\u4eba\u54e1\u4e0d\u5728\u5176\u4e2d\uff0c\u79c1\u6821\u8001\u5e2b\u662f\u5426\u5728\u4fdd\uff0c\u4ee5\u5b78\u6821\u4eba\u4e8b\u5ba4\u7684\u52a0\u4fdd\u7d00\u9304\u70ba\u6e96\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u7684\u4e3b\u7ba1\u6a5f\u95dc\u662f\u9293\u6558\u90e8\uff0c\u627f\u4fdd\u6a5f\u95dc\u662f\u81fa\u7063\u9280\u884c\u516c\u6559\u4fdd\u96aa\u90e8\uff0c\u6240\u4ee5\u5e38\u6709\u4eba\u554f\u300c\u53f0\u9280\u662f\u516c\u4fdd\u55ce\uff1f\u300d\uff0c\u53f0\u9280\u662f\u8fa6\u7406\u55ae\u4f4d\uff0c\u8ca0\u8cac\u52a0\u9000\u4fdd\u3001\u6536\u4fdd\u8cbb\u3001\u5be9\u6838\u548c\u767c\u653e\u7d66\u4ed8\uff0c\u898f\u5247\u7531\u6cd5\u5f8b\u548c\u9293\u6558\u90e8\u8a02\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2007 \u5e74\u4ee5\u524d\u9019\u9805\u696d\u52d9\u7531\u4e2d\u592e\u4fe1\u8a17\u5c40\u627f\u8fa6<sup>[2]<\/sup>\uff0c\u4e2d\u592e\u4fe1\u8a17\u5c40\u4f75\u5165\u53f0\u7063\u9280\u884c\u5f8c\u624d\u8f49\u5230\u53f0\u9280\uff08\u5e74\u8f15\u4e00\u9ede\u7684\u516c\u52d9\u54e1\u53ef\u80fd\u6c92\u807d\u904e\u9019\u500b\u540d\u5b57\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709\u4e00\u9ede\u5e38\u88ab\u554f\u5230\uff1a\u516c\u4fdd\u4e0d\u542b\u770b\u75c5\uff0c\u4fdd\u96aa\u7bc4\u570d\u53ea\u6709\u5931\u80fd\u3001\u990a\u8001\u3001\u6b7b\u4ea1\u3001\u7737\u5c6c\u55aa\u846c\u3001\u751f\u80b2\u3001\u80b2\u5b30\u7559\u8077\u505c\u85aa\u516d\u9805\uff08\u7b2c 3 \u689d\uff09\uff0c\u91ab\u7642\u7531\u5168\u6c11\u5065\u4fdd\u8ca0\u8cac\uff1b\u516c\u4fdd\u88ab\u4fdd\u96aa\u4eba\u4e5f\u4e0d\u80fd\u540c\u6642\u53c3\u52a0\u52de\u4fdd\u3001\u8ecd\u4fdd\u3001\u8fb2\u4fdd\u6216\u570b\u4fdd\uff08\u7b2c 6 \u689d\uff09\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u4fdd\u4e00\u500b\u6708\u6263\u591a\u5c11\uff1f\u5148\u770b\u4fdd\u4ff8\uff0c\u518d\u770b\u4f60\u5c6c\u65bc\u54ea\u4e00\u7a2e\u8cbb\u7387<\/h2>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u7684\u4fdd\u8cbb\u7b97\u6cd5\u662f\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u4fdd\u96aa\u4ff8\uff08\u85aa\uff09\u984d \u00d7 \u4fdd\u96aa\u8cbb\u7387 \u00d7 \u81ea\u4ed8\u6bd4\u4f8b<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u300c\u4fdd\u96aa\u4ff8\uff08\u85aa\uff09\u984d\u300d\uff08\u7c21\u7a31\u4fdd\u4ff8\uff09\u662f\u672c\u4ff8\u6216\u5e74\u529f\u4ff8\uff0c\u4e0d\u542b\u5c08\u696d\u52a0\u7d66\u3001\u4e3b\u7ba1\u52a0\u7d66\u9019\u985e\u52a0\u7d66\uff08\u7b2c 8 \u689d\uff09\uff0c\u85aa\u8cc7\u55ae\u4e0a\u300c\u672c\u4ff8\u300d\u90a3\u4e00\u6b04\u7684\u6578\u5b57\u5927\u81f4\u5c31\u662f\u4f60\u7684\u4fdd\u4ff8\uff0c\u4e0a\u9650\u662f\u90e8\u9577\u7d1a\u6708\u4ff8\u984d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u81ea\u4ed8\u6bd4\u4f8b\u662f 35%\uff0c\u516c\u52d9\u54e1\u548c\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\u5176\u9918 65% \u7531\u653f\u5e9c\u88dc\u52a9\uff1b\u79c1\u7acb\u5b78\u6821\u6559\u8077\u54e1\u7684 65% \u7531\u653f\u5e9c\u548c\u5b78\u6821\u5404\u51fa 32.5%\uff08\u7b2c 9 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8cbb\u7387\u6bd4\u8f03\u8907\u96dc\uff0c\u6cd5\u5f8b\u53ea\u898f\u5b9a\u8cbb\u7387\u5728 7% \u5230 18% \u4e4b\u9593\u3001\u81f3\u5c11\u6bcf\u4e09\u5e74\u7cbe\u7b97\u4e00\u6b21\uff08\u7b2c 8 \u689d\uff09\uff0c\u5be6\u969b\u8cbb\u7387\u7531\u8003\u8a66\u9662\u6703\u540c\u884c\u653f\u9662\u6838\u5b9a\uff0c\u4f9d\u9000\u4f11\u6642\u80fd\u600e\u9ebc\u9818\u990a\u8001\u7d66\u4ed8\u5206\u6210\u4e94\u7a2e\uff0c2025 \u5e74 1 \u6708 1 \u65e5\u8d77\u7684\u8cbb\u7387\u5982\u4e0b\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u8cbb\u7387\u985e\u5225<\/th>\n<th>\u9069\u7528\u5c0d\u8c61<\/th>\n<th>\u8cbb\u7387<\/th>\n<th>\u4fdd\u4ff8 40,000 \u5143\u6642\u6bcf\u6708\u81ea\u4ed8\uff08\u8a66\u7b97\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u975e\u5e74\u91d1 D<\/td>\n<td>\u4e0d\u9069\u7528\u990a\u8001\u5e74\u91d1\u898f\u5b9a\u8005\uff08\u591a\u6578\u73fe\u8077\u516c\u52d9\u4eba\u54e1\u3001\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\uff09<\/td>\n<td>7.22%<\/td>\n<td>1,011 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u57fa\u672c\u5e74\u91d1 K<\/td>\n<td>\u5177 2023 \u5e74 6 \u6708 30 \u65e5\u4ee5\u524d\u516c\u4fdd\u5e74\u8cc7\uff0c\u990a\u8001\u5e74\u91d1\u6700\u9ad8\u63a1\u8a08 35 \u5e74<\/td>\n<td>8.89%<\/td>\n<td>1,245 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u57fa\u672c\u5e74\u91d1 L<\/td>\n<td>\u6c92\u6709 2023 \u5e74 6 \u6708 30 \u65e5\u4ee5\u524d\u516c\u4fdd\u5e74\u8cc7\uff0c\u6700\u9ad8\u63a1\u8a08 40 \u5e74<\/td>\n<td>10.32%<\/td>\n<td>1,445 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u5168\u984d\u5e74\u91d1 A<\/td>\n<td>\u53c3\u52a0\u516c\u6559\u4eba\u54e1\u9000\u64ab\u5132\u91d1\uff0c\u4e14\u5177 2023 \u5e74 6 \u6708 30 \u65e5\u4ee5\u524d\u516c\u4fdd\u5e74\u8cc7<\/td>\n<td>15.64%<\/td>\n<td>2,190 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u5168\u984d\u5e74\u91d1 F<\/td>\n<td>\u53c3\u52a0\u516c\u6559\u4eba\u54e1\u9000\u64ab\u5132\u91d1\uff0c\u4e14\u6c92\u6709 2023 \u5e74 6 \u6708 30 \u65e5\u4ee5\u524d\u516c\u4fdd\u5e74\u8cc7<\/td>\n<td>16.33%<\/td>\n<td>2,286 \u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u81fa\u7063\u9280\u884c\u516c\u6559\u4fdd\u96aa\u90e8<sup>[3]<\/sup>\uff1b\u9293\u6558\u90e8<sup>[4]<\/sup>\uff0c\u975e\u5e74\u91d1\u8cbb\u7387\u7531 7.83% \u8abf\u70ba 7.22%\u3001\u57fa\u672c\u5e74\u91d1 35 \u5e74\u7531 10.16% \u8abf\u70ba 8.89%\uff0c\u5176\u9918\u4e09\u985e\u672a\u8abf\u6574\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u6cd5\u898f\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u7167\u53f0\u9280\u516c\u5e03\u7684\u6838\u7b97\u65b9\u5f0f<sup>[3]<\/sup>\uff1a\u4fdd\u4ff8 \u00d7 \u8cbb\u7387\u5148\u56db\u6368\u4e94\u5165\u5f97\u5230\u5168\u6708\u4fdd\u8cbb\uff0c\u518d\u4e58 35% \u56db\u6368\u4e94\u5165\u5f97\u5230\u81ea\u4ed8\u984d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4fdd\u4ff8 40,000 \u5143\u3001\u975e\u5e74\u91d1 D \u8cbb\u7387\u70ba\u4f8b\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5168\u6708\u4fdd\u8cbb\uff1a40,000 \u00d7 7.22% \uff1d 2,888 \u5143<\/li>\n<li>\u81ea\u4ed8\uff1a2,888 \u00d7 35% \u2248 1,011 \u5143<\/li>\n<li>\u653f\u5e9c\u88dc\u52a9\uff1a2,888 \u2212 1,011 \uff1d 1,877 \u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u4e94\u7a2e\u8cbb\u7387\u7684\u5dee\u5225\u5728\u9000\u4f11\u6642\u80fd\u4e0d\u80fd\u6309\u6708\u9818\u5e74\u91d1\u3001\u5e74\u91d1\u80fd\u7b97\u5230\u591a\u5c11\uff0c\u80fd\u9818\u7684\u8d8a\u591a\uff0c\u6bcf\u500b\u6708\u7e73\u7684\u4fdd\u8cbb\u5c31\u8d8a\u9ad8\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\/13198_\u4e94\u7a2e\u8cbb\u7387\u81ea\u4ed8\u984d.png\" alt=\"\u4fdd\u4ff8 40,000 \u5143\u6642\u4e94\u7a2e\u516c\u4fdd\u8cbb\u7387\u7684\u6bcf\u6708\u81ea\u4ed8\u984d\uff1a\u975e\u5e74\u91d1 D 1,011 \u5143\u3001\u57fa\u672c\u5e74\u91d1 K 1,245 \u5143\u3001\u57fa\u672c\u5e74\u91d1 L 1,445 \u5143\u3001\u5168\u984d\u5e74\u91d1 A 2,190 \u5143\u3001\u5168\u984d\u5e74\u91d1 F 2,286 \u5143\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u81fa\u7063\u9280\u884c\u516c\u6559\u4fdd\u96aa\u90e8<sup>[3]<\/sup>\uff1b\u9293\u6558\u90e8<sup>[4]<\/sup>\uff1b\u4f5c\u8005\u4f9d\u8cbb\u7387\u8a66\u7b97\uff0c\u4fdd\u4ff8\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u79c1\u6821\u8001\u5e2b\u591a\u534a\u5c6c\u65bc K \u6216 L\uff0c2023 \u5e74 7 \u6708\u4ee5\u5f8c\u521d\u4efb\u3001\u53c3\u52a0\u9000\u64ab\u5132\u91d1\u7684\u516c\u6559\u4eba\u54e1\u5c6c\u65bc F\uff08\u6240\u4ee5\u540c\u6a23\u7684\u672c\u4ff8\uff0c\u79c1\u6821\u8001\u5e2b\u6263\u7684\u516c\u4fdd\u8cbb\u6703\u6bd4\u516c\u7acb\u5b78\u6821\u8001\u5e2b\u591a\u4e00\u4e9b\uff09\uff0c\u4f60\u5c6c\u65bc\u54ea\u4e00\u985e\uff0c\u770b\u85aa\u8cc7\u55ae\u4e0a\u7684\u516c\u4fdd\u8cbb\u9664\u4ee5\u672c\u4ff8\u5c31\u80fd\u53cd\u63a8\uff0c\u6216\u76f4\u63a5\u554f\u4eba\u4e8b\u5ba4\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u4fdd\u6709\u54ea\u4e9b\u7d66\u4ed8\uff1f\u4e00\u5f35\u8868\u770b\u6708\u6578<\/h2>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u7684\u73fe\u91d1\u7d66\u4ed8\u90fd\u7528\u300c\u5e7e\u500b\u6708\u7684\u4fdd\u4ff8\u300d\u4f86\u7b97\uff0c\u7528\u54ea\u4e00\u6bb5\u671f\u9593\u7684\u4fdd\u4ff8\u5e73\u5747\u4f9d\u7d66\u4ed8\u9805\u76ee\u4e0d\u540c\uff08\u7b2c 12 \u689d\uff09\uff1a\u990a\u8001\u548c\u6b7b\u4ea1\u7d66\u4ed8\uff0c\u7528\u4e8b\u6545\u767c\u751f\u7576\u6708\u5f80\u524d 10 \u5e74\u7684\u5e73\u5747\u4fdd\u4ff8\uff1b\u5931\u80fd\u3001\u751f\u80b2\u3001\u7737\u5c6c\u55aa\u846c\uff0c\u7528\u5f80\u524d 6 \u500b\u6708\u7684\u5e73\u5747\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u7d66\u4ed8<\/th>\n<th>\u689d\u4ef6<\/th>\n<th>\u7d66\u4ed8\u6708\u6578<\/th>\n<th>\u689d\u865f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5931\u80fd\u7d66\u4ed8<\/td>\n<td>\u56e0\u516c\u5931\u80fd<\/td>\n<td>\u5168\u5931\u80fd 36\u3001\u534a\u5931\u80fd 18\u3001\u90e8\u5206\u5931\u80fd 8 \u500b\u6708<\/td>\n<td>\u7b2c 13 \u689d<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u75be\u75c5\u6216\u610f\u5916\u5931\u80fd<\/td>\n<td>\u5168\u5931\u80fd 30\u3001\u534a\u5931\u80fd 15\u3001\u90e8\u5206\u5931\u80fd 6 \u500b\u6708<\/td>\n<td>\u7b2c 13 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u990a\u8001\u7d66\u4ed8<\/td>\n<td>\u4f9d\u6cd5\u9000\u4f11\u3001\u8cc7\u9063\uff0c\u6216\u7e73\u8cbb\u6eff 15 \u5e74\u4e14 55 \u6b72\u96e2\u8077\u9000\u4fdd<\/td>\n<td>\u4e00\u6b21\u7d66\u4ed8\u6bcf\u5e74 1.2 \u500b\u6708\uff0c\u6700\u9ad8 42 \u500b\u6708\uff1b\u6216\u990a\u8001\u5e74\u91d1<\/td>\n<td>\u7b2c 16 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u6b7b\u4ea1\u7d66\u4ed8<\/td>\n<td>\u56e0\u516c\u6b7b\u4ea1<\/td>\n<td>\u7e73\u8cbb\u672a\u6eff 20 \u5e74 36 \u500b\u6708\uff0c\u6eff 20 \u5e74 48 \u500b\u6708<\/td>\n<td>\u7b2c 27 \u689d<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u75c5\u6545\u6216\u610f\u5916\u6b7b\u4ea1<\/td>\n<td>\u672a\u6eff 20 \u5e74 30 \u500b\u6708\uff1b20\uff5e30 \u5e74 36 \u500b\u6708\uff1b30\uff5e35 \u5e74 42 \u500b\u6708\uff1b35 \u5e74\u4ee5\u4e0a 48 \u500b\u6708<\/td>\n<td>\u7b2c 27 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u7737\u5c6c\u55aa\u846c\u6d25\u8cbc<\/td>\n<td>\u7236\u6bcd\u3001\u914d\u5076\u6b7b\u4ea1<\/td>\n<td>3 \u500b\u6708<\/td>\n<td>\u7b2c 34 \u689d<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\u5b50\u5973\u6b7b\u4ea1<\/td>\n<td>12 \u6b72\u4ee5\u4e0a\u672a\u6eff 25 \u6b72 2 \u500b\u6708\uff1b\u672a\u6eff 12 \u6b72 1 \u500b\u6708<\/td>\n<td>\u7b2c 34 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u751f\u80b2\u7d66\u4ed8<\/td>\n<td>\u5206\u5a29\u6216\u65e9\u7522<\/td>\n<td>2 \u500b\u6708\uff0c\u96d9\u80de\u80ce\u4ee5\u4e0a\u6309\u6bd4\u4f8b\u589e\u7d66<\/td>\n<td>\u7b2c 36 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u80b2\u5b30\u7559\u8077\u505c\u85aa\u6d25\u8cbc<\/td>\n<td>\u52a0\u4fdd\u6eff 1 \u5e74\u3001\u990a\u80b2 3 \u6b72\u4ee5\u4e0b\u5b50\u5973\u4e26\u7e7c\u7e8c\u52a0\u4fdd<\/td>\n<td>\u6bcf\u6708\u70ba\u524d 6 \u500b\u6708\u5e73\u5747\u4fdd\u4ff8\u7684 60%\uff0c\u6700\u9577 6 \u500b\u6708<\/td>\n<td>\u7b2c 12\u300135 \u689d<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\uff08\u6cd5\u898f\u8cc7\u6599\u622a\u81f3 2026 \u5e74 10 \u6708 8 \u65e5\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6b7b\u4ea1\u7d66\u4ed8\u7684\u907a\u5c6c\u5982\u679c\u7b26\u5408\u689d\u4ef6\uff0c\u53ef\u4ee5\u9078\u64c7\u6539\u9818\u907a\u5c6c\u5e74\u91d1\uff08\u7b2c 27 \u689d\uff09\uff1b\u751f\u80b2\u7d66\u4ed8\u82e5\u540c\u6642\u7b26\u5408\u5176\u4ed6\u793e\u6703\u4fdd\u96aa\u7684\u751f\u80b2\u7d66\u4ed8\uff0c\u53ea\u80fd\u64c7\u4e00\uff08\u7b2c 36 \u689d\uff09\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u6642\u516c\u4fdd\u80fd\u9818\u591a\u5c11\uff1f\u5148\u7b97\u4e00\u6b21\u990a\u8001\u7d66\u4ed8<\/h2>\n\n<p class=\"wp-block-paragraph\">\u990a\u8001\u7d66\u4ed8\u662f\u591a\u6578\u4eba\u67e5\u516c\u4fdd\u7684\u771f\u6b63\u539f\u56e0\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b83\u6709\u5169\u7a2e\u9818\u6cd5\uff0c\u4e00\u6b21\u7d66\u4ed8\u548c\u990a\u8001\u5e74\u91d1\uff0c\u5927\u90e8\u5206\u73fe\u8077\u516c\u52d9\u54e1\u548c\u516c\u7acb\u5b78\u6821\u8001\u5e2b\u53ea\u6703\u7528\u5230\u4e00\u6b21\u7d66\u4ed8\uff0c\u56e0\u70ba\u6709\u6708\u9000\u4f11\u91d1\u7684\u4eba\uff0c\u516c\u4fdd\u5e74\u91d1\u7684\u898f\u5b9a\u5230\u73fe\u5728\u9084\u6c92\u9069\u7528\uff08\u7b2c 48 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e00\u6b21\u7d66\u4ed8\u7684\u7b97\u6cd5\u662f\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u4e00\u6b21\u990a\u8001\u7d66\u4ed8 \uff1d \u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8 \u00d7 \u4fdd\u96aa\u5e74\u8cc7 \u00d7 1.2 \u500b\u6708\n\u4e0a\u9650 42 \u500b\u6708\uff1b\u6709\u8fa6\u7406\u512a\u60e0\u5b58\u6b3e\u7684\u4eba\u4e0a\u9650 36 \u500b\u6708\uff08\u7b2c 16 \u689d\uff09<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u4e00\uff1a\u516c\u52d9\u54e1\u7532\uff0c\u4fdd\u96aa\u5e74\u8cc7 25 \u5e74\uff0c\u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8\u5047\u8a2d\u70ba 42,000 \u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u7d66\u4ed8\u6708\u6578\uff1a25 \u00d7 1.2 \uff1d 30 \u500b\u6708\uff0c\u672a\u8d85\u904e\u4e0a\u9650<\/li>\n<li>\u4e00\u6b21\u990a\u8001\u7d66\u4ed8\uff1a42,000 \u00d7 30 \uff1d 1,260,000 \u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u4e8c\uff1a\u516c\u52d9\u54e1\u4e59\uff0c\u4fdd\u96aa\u5e74\u8cc7 38 \u5e74\uff0c\u5e73\u5747\u4fdd\u4ff8\u5047\u8a2d 50,000 \u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u7d66\u4ed8\u6708\u6578\uff1a38 \u00d7 1.2 \uff1d 45.6 \u500b\u6708\uff0c\u8d85\u904e\u4e0a\u9650\uff0c\u4ee5 42 \u500b\u6708\u8a08<\/li>\n<li>\u4e00\u6b21\u990a\u8001\u7d66\u4ed8\uff1a50,000 \u00d7 42 \uff1d 2,100,000 \u5143\uff1b\u82e5\u6709\u8fa6\u7406\u512a\u60e0\u5b58\u6b3e\uff0c\u4e0a\u9650 36 \u500b\u6708\uff0c50,000 \u00d7 36 \uff1d 1,800,000 \u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u6cd5\u898f\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e59\u7684\u4f8b\u5b50\u8aaa\u660e\u4e00\u4ef6\u4e8b\uff1a\u4e00\u6b21\u7d66\u4ed8\u505a\u5230 35 \u5e74\u5c31\u5230\u9802\uff0835 \u00d7 1.2 \uff1d 42 \u500b\u6708\uff09\uff0c\u4e4b\u5f8c\u591a\u7e73\u7684\u5e74\u8cc7\u4e0d\u6703\u8b93\u990a\u8001\u7d66\u4ed8\u8b8a\u591a\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\/13198_\u4e00\u6b21\u7d66\u4ed8\u6708\u6578.png\" alt=\"\u516c\u4fdd\u4e00\u6b21\u990a\u8001\u7d66\u4ed8\u6708\u6578\u96a8\u5e74\u8cc7\u589e\u52a0\uff0c\u6bcf\u5e74 1.2 \u500b\u6708\uff0c\u505a\u5230\u7b2c 35 \u5e74\u9054 42 \u500b\u6708\u4e0a\u9650\u5f8c\u6301\u5e73\uff1b\u6709\u8fa6\u7406\u512a\u60e0\u5b58\u6b3e\u7684\u4eba\u5728\u7b2c 30 \u5e74\u9054 36 \u500b\u6708\u4e0a\u9650\uff1b\u7532 25 \u5e74\u9818 30 \u500b\u6708\u3001\u4e59 38 \u5e74\u4ecd\u662f 42 \u500b\u6708\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\u7b2c 16 \u689d<sup>[1]<\/sup>\uff1b\u4f5c\u8005\u4f9d\u6cd5\u898f\u8a66\u7b97\uff0c\u4fdd\u4ff8\u8207\u5e74\u8cc7\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u8cc7\u8de8\u8d8a 2014 \u5e74 6 \u6708 1 \u65e5\u4fee\u6cd5\u524d\u5f8c\u7684\u4eba\uff0c\u4fee\u6cd5\u524d\u7684\u5e74\u8cc7\u6700\u591a\u7b97 36 \u500b\u6708\uff0c\u4fee\u6cd5\u5f8c\u7684\u5e74\u8cc7\u6bcf\u5e74\u518d\u52a0 1.2 \u500b\u6708\uff0c\u5408\u4f75\u6700\u591a 42 \u500b\u6708\uff08\u7b2c 16 \u689d\uff09\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\">\u8ab0\u80fd\u9818\u516c\u4fdd\u5e74\u91d1\uff1f\u689d\u4ef6\u3001\u7d66\u4ed8\u7387\u8207\u8a66\u7b97<\/h2>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u5e74\u91d1\uff08\u6cd5\u5f8b\u540d\u7a31\u662f\u300c\u990a\u8001\u5e74\u91d1\u7d66\u4ed8\u300d\uff09\u662f 2014 \u5e74 6 \u6708 1 \u65e5\u4fee\u6cd5\u5f8c\u624d\u6709\u7684\uff0c\u8981\u9818\u5e74\u91d1\uff0c\u5148\u8981\u7b26\u5408\u990a\u8001\u7d66\u4ed8\u7684\u57fa\u672c\u689d\u4ef6\uff0c\u518d\u7b26\u5408\u5176\u4e2d\u4e00\u9805\u5e74\u9f61\u8207\u5e74\u8cc7\uff1a\u7e73\u8cbb\u6eff 15 \u5e74\u4e14\u5e74\u6eff 65 \u6b72\u3001\u6eff 20 \u5e74\u4e14\u5e74\u6eff 60 \u6b72\uff0c\u6216\u6eff 30 \u5e74\u4e14\u5e74\u6eff 55 \u6b72\uff08\u7b2c 16 \u689d\u7b2c 3 \u9805\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u8cc7\u6eff 15 \u5e74\u4f46\u5e74\u9f61\u9084\u6c92\u5230\uff0c\u53ef\u4ee5\u63d0\u524d\u6700\u591a 5 \u5e74\u8acb\u9818\uff0c\u6bcf\u63d0\u524d\u4e00\u5e74\u6e1b\u7d66 4%\uff0c\u6700\u591a\u6e1b 20%\uff085 \u00d7 4% \uff1d 20%\uff09\uff1b\u4e5f\u53ef\u4ee5\u9078\u64c7\u5ef6\u5f8c\u5230\u7b26\u5408\u5e74\u9f61\u518d\u9818\uff08\u7b2c 18 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u7684\u7b97\u6cd5\uff1a<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6bcf\u6708\u990a\u8001\u5e74\u91d1 \uff1d \u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8 \u00d7 \u4fdd\u96aa\u5e74\u8cc7 \u00d7 \u5e74\u91d1\u7d66\u4ed8\u7387<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u7d66\u4ed8\u7387\u6bcf\u4e00\u5e74\u5728 0.75%\uff08\u57fa\u672c\u5e74\u91d1\u7387\uff09\u5230 1.3%\uff08\u4e0a\u9650\u5e74\u91d1\u7387\uff09\u4e4b\u9593\uff0c\u5e74\u8cc7\u6700\u591a\u63a1\u8a08 35 \u5e74\uff0c\u7e3d\u7d66\u4ed8\u7387\u6700\u9ad8 35 \u00d7 1.3% \uff1d 45.5%\uff1b2023 \u5e74 7 \u6708 1 \u65e5\u4ee5\u5f8c\u624d\u521d\u6b21\u52a0\u4fdd\u7684\u4eba\uff0c\u6700\u591a\u63a1\u8a08 40 \u5e74\uff0c\u7e3d\u7d66\u4ed8\u7387\u6700\u9ad8 40 \u00d7 1.3% \uff1d 52%\uff08\u7b2c 16 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7d66\u4ed8\u7387\u843d\u5728\u54ea\u88e1\uff0c\u8981\u770b\u7b2c 17 \u689d\u7684\u300c\u9000\u4f11\u5e74\u91d1\u7d66\u8207\u4e0a\u9650\u300d\uff1a\u6bcf\u6708\u9000\u4f11\u7d66\u8207\u52a0\u4e0a\u516c\u4fdd\u5e74\u91d1\uff0c\u4e0d\u80fd\u8d85\u904e\u6700\u5f8c\u5728\u8077\u4fdd\u4ff8\u5169\u500d\u7684\u4e00\u5b9a\u6bd4\u4f8b\uff0c\u9019\u500b\u6bd4\u4f8b\u662f\u5e74\u8cc7 15 \u5e74\u4ee5\u5167\u6bcf\u5e74 2%\uff0c\u7b2c 16 \u5e74\u8d77\u6bcf\u5e74 2.5%\uff0c\u6700\u9ad8 80%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u79c1\u6821\u7684\u9000\u64ab\u5132\u91d1\u9019\u985e\u4e00\u6b21\u9818\u7684\u9000\u4f11\u91d1\uff0c\u4e5f\u8981\u6309\u5e73\u5747\u9918\u547d\u6524\u6210\u6bcf\u6708\u91d1\u984d\u7b97\u9032\u53bb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5728\u9019\u500b\u4e0a\u9650\u4e4b\u5167\uff0c\u7d66\u4ed8\u7387\u6700\u9ad8\u5230 1.3%\uff1b\u7b97\u51fa\u4f86\u4f4e\u65bc 0.75% \u7684\uff0c\u4ecd\u4ee5 0.75% \u8a08\uff08\u7b2c 19 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u4e09\uff1a\u79c1\u7acb\u5b78\u6821\u8001\u5e2b\u4e19\uff0c60 \u6b72\u9000\u4f11\uff0c\u4fdd\u96aa\u5e74\u8cc7 30 \u5e74\uff0c\u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8\u5047\u8a2d 50,000 \u5143\uff0c\u6700\u5f8c\u5728\u8077\u4fdd\u4ff8 53,000 \u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5e74\u91d1\u4e0a\u9650\uff08\u7d66\u4ed8\u7387 1.3%\uff09\uff1a50,000 \u00d7 30 \u00d7 1.3% \uff1d 19,500 \u5143\uff0f\u6708<\/li>\n<li>\u5176\u4e2d\u57fa\u672c\u5e74\u91d1\uff080.75%\uff09\uff1a50,000 \u00d7 30 \u00d7 0.75% \uff1d 11,250 \u5143\uff0c\u7531\u53f0\u9280\u767c\u7d66<\/li>\n<li>\u8d85\u904e\u57fa\u672c\u5e74\u91d1\u7684 19,500 \u2212 11,250 \uff1d 8,250 \u5143\u7a31\u70ba\u300c\u8d85\u984d\u5e74\u91d1\u300d\uff0c\u79c1\u6821\u7531\u653f\u5e9c\u548c\u5b78\u6821\u5404\u8ca0\u64d4\u4e00\u534a\uff08\u7b2c 20 \u689d\uff09<\/li>\n<li>\u6aa2\u67e5\u4e0a\u9650\uff1a53,000 \u00d7 2 \u00d7\uff0815 \u00d7 2% \uff0b 15 \u00d7 2.5%\uff09\uff1d 106,000 \u00d7 67.5% \uff1d 71,550 \u5143\uff0c\u53ea\u8981\u4e19\u7684\u9000\u64ab\u5132\u91d1\u6524\u63d0\u5f8c\u6bcf\u6708\u4e0d\u8d85\u904e 71,550 \u2212 19,500 \uff1d 52,050 \u5143\uff0c\u7d66\u4ed8\u7387\u5c31\u80fd\u7528\u5230 1.3%<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u56db\uff1a2024 \u5e74\u521d\u4efb\u3001\u53c3\u52a0\u500b\u4eba\u5c08\u6236\u5236\u7684\u516c\u52d9\u54e1\u620a\uff0c\u5047\u8a2d\u505a\u6eff 40 \u5e74\uff0c\u524d 10 \u5e74\u5e73\u5747\u4fdd\u4ff8 60,000 \u5143\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6bcf\u6708\u990a\u8001\u5e74\u91d1\u6700\u9ad8\uff1a60,000 \u00d7 40 \u00d7 1.3% \uff1d 31,200 \u5143\uff08\u7e3d\u7d66\u4ed8\u7387 52%\uff09<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u6cd5\u898f\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u9084\u6709\u4e00\u500b\u4e00\u6b21\u7d66\u4ed8\u6c92\u6709\u7684\u7279\u6027\uff0c\u6703\u96a8\u7269\u50f9\u8abf\u6574\uff0c\u6d88\u8cbb\u8005\u7269\u50f9\u6307\u6578\u7d2f\u8a08\u6210\u9577\u9054\u6b63\u8ca0 5% \u6642\uff0c\u7531\u8003\u8a66\u9662\u6703\u540c\u884c\u653f\u9662\u53e6\u5b9a\u8abf\u6574\u6bd4\u7387\uff08\u7b2c 31 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6700\u8fd1\u4e00\u6b21\u662f 2026 \u5e74 5 \u6708 21 \u65e5\u516c\u544a<sup>[5]<\/sup>\uff0c2015\u30012016\u30012017\u30012021 \u9019\u56db\u500b\u5e74\u5ea6\uff08\u6c11\u570b 105\uff5e107\u3001111 \u5e74\u5ea6\uff09\u958b\u59cb\u9818\u5e74\u91d1\u7684\u4eba\uff0c\u81ea 2026 \u5e74 6 \u6708 1 \u65e5\u8d77\u8abf\u9ad8 6.46%<sup>[6]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u4fdd\u5e74\u91d1\u548c\u6708\u9000\u4f11\u91d1\u53ef\u4ee5\u4e00\u8d77\u9818\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9019\u662f\u6700\u591a\u4eba\u8aa4\u6703\u7684\u5730\u65b9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u770b\u689d\u6587\uff0c\u597d\u50cf\u53ef\u4ee5\uff1a\u7b2c 16 \u689d\u7b2c 4 \u9805\u898f\u5b9a\uff0c\u652f\u9818\u7531\u653f\u5e9c\u8ca0\u6700\u5f8c\u8ca1\u52d9\u8cac\u4efb\u7684\u6708\u9000\u4f11\u91d1\u7684\u4eba\uff0c\u5e74\u91d1\u6309\u57fa\u672c\u5e74\u91d1\u7387 0.75% \u8a08\u7d66\uff0c\u800c\u4e14\u6708\u9000\u52a0\u4e0a\u5e74\u91d1\u4e0d\u5f97\u8d85\u904e\u4e0a\u9650\uff0c\u8d85\u904e\u5c31\u8981\u8abf\u964d\u5e74\u91d1\u6216\u6539\u9818\u4e00\u6b21\u7d66\u4ed8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\uff0c\u540c\u4e00\u90e8\u6cd5\u5f8b\u7b2c 48 \u689d\u53e6\u5916\u898f\u5b9a\uff0c\u9019\u985e\u4eba\u54e1\u9069\u7528\u990a\u8001\u5e74\u91d1\u7684\u6642\u9ede\uff0c\u8981\u7b49\u516c\u52d9\u4eba\u54e1\u53ca\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\u7684\u9000\u64ab\u6cd5\u5f8b\u8207\u516c\u4fdd\u6cd5\u4fee\u6b63\u901a\u904e\u4e4b\u5f8c\uff0c\u9019\u500b\u4fee\u6cd5\u5230\u73fe\u5728\u9084\u6c92\u6709\u5b8c\u6210\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u5be6\u52d9\u4e0a\uff0c<strong>\u73fe\u8077\u3001\u8d70\u78ba\u5b9a\u7d66\u4ed8\u5236\uff08Defined Benefit\uff09\u9000\u64ab\u7684\u516c\u52d9\u4eba\u54e1\u548c\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\uff0c\u9000\u4f11\u6642\u5f9e\u516c\u4fdd\u9818\u7684\u662f\u4e00\u6b21\u990a\u8001\u7d66\u4ed8<\/strong>\uff0c\u6309\u6708\u9818\u7684\u662f\u9000\u64ab\u7684\u6708\u9000\u4f11\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u81fa\u5357\u5e02\u653f\u5e9c\u4eba\u4e8b\u8655\u7684\u4e00\u6b21\u990a\u8001\u7d66\u4ed8\u8acb\u9818\u66f8\u4e5f\u5beb\u660e\uff0c\u5e74\u91d1\u9069\u7528\u5c0d\u8c61\u4ee5\u5916\u7684\u88ab\u4fdd\u96aa\u4eba\u9000\u4f11\u6642\u300c\u9650\u8acb\u9818\u4e00\u6b21\u990a\u8001\u7d66\u4ed8\u300d<sup>[7]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u771f\u6b63\u9069\u7528\u990a\u8001\u5e74\u91d1\u7684\uff0c\u662f\u4ee5\u4e0b\u5e7e\u7a2e\u4eba\uff08\u7b2c 16\u300148 \u689d\uff09\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u79c1\u7acb\u5b78\u6821\u6559\u8077\u54e1\uff1a2014 \u5e74 6 \u6708 1 \u65e5\u8d77\u9069\u7528<\/li>\n<li>\u4f9d\u6240\u9069\u7528\u7684\u96e2\u9000\u6cd5\u4ee4\u6c92\u6709\u6708\u9000\u4f11\u6216\u512a\u60e0\u5b58\u6b3e\u5236\u5ea6\u7684\u4eba\u54e1\uff1a2015 \u5e74\u8d77\u9069\u7528<\/li>\n<li>2023 \u5e74 7 \u6708 1 \u65e5\u4ee5\u5f8c\u521d\u4efb\u3001\u9069\u7528\u500b\u4eba\u5c08\u6236\u5236\uff08Defined Contribution\uff09\u9000\u64ab\u7684\u516c\u52d9\u4eba\u54e1\u548c\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\uff1a\u4ed6\u5011\u6c92\u6709\u78ba\u5b9a\u7d66\u4ed8\u7684\u6708\u9000\u4f11\u91d1\uff0c\u516c\u4fdd\u5e74\u91d1\u5c31\u662f\u7b2c\u4e00\u5c64\u7684\u6309\u6708\u6536\u5165<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u8a66\u7b97\u4e00\u3001\u4e8c\u7684\u7532\u3001\u4e59\u53ea\u6703\u62ff\u5230\u4e00\u7b46\uff0c\u8a66\u7b97\u4e09\u3001\u56db\u7684\u4e19\u3001\u620a\u5247\u662f\u6309\u6708\u9818\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\/13198_\u8ab0\u9818\u4e00\u6b21\u8ab0\u9818\u5e74\u91d1.png\" alt=\"\u516c\u4fdd\u990a\u8001\u7d66\u4ed8\u4f9d\u8eab\u5206\u5206\u6d41\uff1a\u73fe\u8077\u78ba\u5b9a\u7d66\u4ed8\u5236\u516c\u52d9\u4eba\u54e1\u8207\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\u9818\u4e00\u6b21\u990a\u8001\u7d66\u4ed8\uff0c\u6309\u6708\u6536\u5165\u4f86\u81ea\u9000\u64ab\uff1b\u79c1\u7acb\u5b78\u6821\u6559\u8077\u54e1\u3001\u6c92\u6709\u6708\u9000\u4f11\u6216\u512a\u60e0\u5b58\u6b3e\u5236\u5ea6\u7684\u4eba\u54e1\u30012023 \u5e74 7 \u6708\u4ee5\u5f8c\u521d\u4efb\u7684\u500b\u4eba\u5c08\u6236\u5236\u516c\u6559\u4eba\u54e1\u9818\u516c\u4fdd\u990a\u8001\u5e74\u91d1\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\u7b2c 16\u300148 \u689d<sup>[1]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4eca\u5e74 6 \u6708\u7684 6.46% \u8abf\u6574\uff0c\u4e5f\u53ea\u548c\u5df2\u7d93\u5728\u9818\u5e74\u91d1\u7684\u4eba\u6709\u95dc\uff08\u591a\u6578\u73fe\u8077\u516c\u52d9\u54e1\u770b\u5230\u65b0\u805e\uff0c\u5176\u5be6\u6c92\u6709\u4efd\uff09\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4e00\u6b21\u9818\u9084\u662f\u6708\u9818\uff1f\u8ab0\u80fd\u9078\u3001\u600e\u9ebc\u60f3<\/h2>\n\n<p class=\"wp-block-paragraph\">\u80fd\u9078\u7684\u4eba\u5176\u5be6\u4e0d\u591a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6cd5\u5f8b\u898f\u5b9a\uff0c\u5728 2014 \u5e74\u4fee\u6cd5\u65bd\u884c\u524d\uff08\u689d\u6587\u5beb\u7684\u662f\u6c11\u570b 103 \u5e74 1 \u6708 14 \u65e5\uff09\u5c31\u6709\u516c\u4fdd\u5e74\u8cc7\u3001\u53c8\u7b26\u5408\u5e74\u91d1\u689d\u4ef6\u7684\u4eba\uff0c\u624d\u53ef\u4ee5\u5728\u5e74\u91d1\u548c\u4e00\u6b21\u7d66\u4ed8\u4e4b\u9593\u64c7\u4e00\uff0c\u4e00\u7d93\u9818\u53d7\u5c31\u4e0d\u80fd\u8b8a\u66f4\uff08\u7b2c 16 \u689d\uff09\uff1b\u53ea\u6709\u4fee\u6cd5\u5f8c\u5e74\u8cc7\u7684\u4eba\uff0c\u7b26\u5408\u5e74\u91d1\u689d\u4ef6\u5c31\u9818\u5e74\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u662f\u80fd\u9078\u7684\u4eba\uff0c\u6700\u76f4\u63a5\u7684\u6bd4\u6cd5\u662f\u56de\u672c\u6642\u9593\uff08Payback Period\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u8a66\u7b97\u4e09\u7684\u4e19\u70ba\u4f8b\uff0c\u5047\u8a2d\u4ed6\u5177\u6709 2014 \u5e74\u4ee5\u524d\u7684\u5e74\u8cc7\u3001\u53ef\u4ee5\u9078\u64c7\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u6b21\u7d66\u4ed8\uff1a30 \u00d7 1.2 \uff1d 36 \u500b\u6708\uff0c50,000 \u00d7 36 \uff1d 1,800,000 \u5143<\/li>\n<li>\u5e74\u91d1\uff1a\u6bcf\u6708 19,500 \u5143<\/li>\n<li>1,800,000 \u00f7 19,500 \u2248 92 \u500b\u6708\uff0c\u5927\u7d04 7 \u5e74 8 \u500b\u6708\uff0c\u4e5f\u5c31\u662f\u4e19 60 \u6b72\u9000\u4f11\uff0c\u9818\u5e74\u91d1\u5927\u7d04\u8981\u9818\u5230 67 \u6b72\u591a\uff0c\u7d2f\u8a08\u91d1\u984d\u624d\u6703\u8d85\u904e\u4e00\u6b21\u7d66\u4ed8<\/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\/13198_\u5e74\u91d1\u56de\u672c\u6642\u9593.png\" alt=\"\u4e19 60 \u6b72\u9000\u4f11\uff0c\u6bcf\u6708\u5e74\u91d1 19,500 \u5143\u7684\u7d2f\u8a08\u91d1\u984d\u9010\u5e74\u4e0a\u5347\uff0c\u7d04 92 \u500b\u6708\u300167 \u6b72 8 \u500b\u6708\u6642\u8d85\u904e\u4e00\u6b21\u7d66\u4ed8\u7684 180 \u842c\u5143\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u300a\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u300b\u7b2c 16 \u689d<sup>[1]<\/sup>\uff1b\u4f5c\u8005\u4f9d\u6cd5\u898f\u8a66\u7b97\uff0c\u672a\u8a08\u7269\u50f9\u8abf\u6574\u8207\u4e00\u6b21\u7d66\u4ed8\u7684\u904b\u7528\u5831\u916c\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u6bd4\u6cd5\u6c92\u6709\u7b97\u9032\u7269\u50f9\u8abf\u6574\u3001\u4e00\u6b21\u7d66\u4ed8\u62ff\u53bb\u904b\u7528\u7684\u5831\u916c\uff0c\u4ee5\u53ca\u907a\u5c6c\u80fd\u4e0d\u80fd\u63a5\u8457\u9818\u907a\u5c6c\u5e74\u91d1\uff08\u7269\u50f9\u8abf\u6574\u53ea\u6703\u8b93\u5e74\u91d1\u56de\u672c\u66f4\u5feb\u4e00\u9ede\uff09\uff1b\u6bcf\u500b\u4eba\u7684\u5065\u5eb7\u3001\u5bb6\u5ead\u548c\u5176\u4ed6\u6536\u5165\u4e0d\u540c\uff0c\u7d50\u679c\u4e5f\u6703\u4e0d\u540c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u9818\u5230\u6b7b\u4ea1\u7576\u6708\u70ba\u6b62\uff0c\u4f46\u5982\u679c\u4e4b\u5f8c\u518d\u56de\u5230\u516c\u8077\u91cd\u65b0\u52a0\u4fdd\uff0c\u5e74\u91d1\u6703\u505c\u6b62\u767c\u653e\uff08\u7b2c 22 \u689d\uff09\uff1b\u4e00\u6b21\u7d66\u4ed8\u5247\u662f\u4e00\u7b46\u9322\uff0c\u4e4b\u5f8c\u600e\u9ebc\u7528\u3001\u80fd\u6490\u591a\u4e45\uff0c\u8981\u9760\u81ea\u5df1\u898f\u5283\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u9019\u4e00\u7b46\u7b97\u51fa\u4f86\u4e4b\u5f8c\uff0c\u4e0b\u4e00\u6b65\u662f\u628a\u5b83\u548c\u9000\u64ab\u3001\u81ea\u5df1\u7684\u5b58\u6b3e\u52a0\u5728\u4e00\u8d77\uff0c\u770b\u548c\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\uff1a\u52de\u4fdd\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff1f<\/a>\u6709 40\u300150 \u6b72\u9000\u4f11\u7684\u8a66\u7b97\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u96e2\u8077\u6216\u8f49\u5230\u6c11\u9593\u5de5\u4f5c\uff0c\u516c\u4fdd\u5e74\u8cc7\u6703\u4e0d\u898b\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u6703\u76f4\u63a5\u6d88\u5931\uff0c\u5e74\u8cc7\u6703\u4fdd\u7559\uff0c\u5dee\u5225\u5728\u4ec0\u9ebc\u6642\u5019\u80fd\u8acb\u9818\uff0c\u8981\u770b\u4f60\u600e\u9ebc\u96e2\u958b\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u7a2e\uff0c\u4f9d\u6cd5\u9000\u4f11\u6216\u8cc7\u9063\uff0c\u6216\u7e73\u8cbb\u6eff 15 \u5e74\u4e14\u5e74\u6eff 55 \u6b72\u96e2\u8077\uff0c\u53ef\u4ee5\u7576\u4e0b\u8acb\u9818\u990a\u8001\u7d66\u4ed8\uff08\u7b2c 16 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\u7a2e\uff0c\u689d\u4ef6\u9084\u4e0d\u5920\u5c31\u96e2\u8077\u9000\u4fdd\uff0c\u4f8b\u5982\u505a\u4e86 8 \u5e74\u8f49\u5230\u79c1\u4eba\u4f01\u696d\uff0c\u9019\u6642\u516c\u4fdd\u5e74\u8cc7\u6703\u4fdd\u7559\uff0c\u7b49\u5230\u4ee5\u4e0b\u4efb\u4e00\u60c5\u5f62\u767c\u751f\u518d\u8acb\u9818\uff1a\u4e4b\u5f8c\u5728\u52de\u4fdd\u6216\u8ecd\u4fdd\u671f\u9593\u4f9d\u6cd5\u9000\u4f11\u3001\u958b\u59cb\u9818\u570b\u6c11\u5e74\u91d1\u8001\u5e74\u7d66\u4ed8\uff0c\u6216\u5e74\u6eff 65 \u6b72\uff08\u7b2c 26 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e09\u7a2e\uff0c\u516c\u4fdd\u548c\u52de\u4fdd\u90fd\u5f85\u904e\u3001\u5169\u908a\u5e74\u8cc7\u5404\u81ea\u4e0d\u6eff 15 \u5e74\uff1a2010 \u5e74 1 \u6708 1 \u65e5\u4ee5\u5f8c\u9000\u4fdd\u7684\u4eba\uff0c65 \u6b72\u6642\u53ef\u4ee5\u628a\u52de\u4fdd\u5e74\u8cc7\u5408\u4f75\u8a08\u7b97\uff0c\u5408\u8a08\u6eff 15 \u5e74\u5c31\u80fd\u8acb\u9818\u516c\u4fdd\u5e74\u91d1\uff0c\u4e0d\u904e\u53ea\u6309\u516c\u4fdd\u90a3\u6bb5\u5e74\u8cc7\u3001\u4ee5\u57fa\u672c\u5e74\u91d1\u7387 0.75% \u8a08\u7d66\uff08\u7b2c 49 \u689d\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u4e94\uff1a\u4e01\u5728 2015 \u5e74\u96e2\u958b\u516c\u8077\uff0c\u516c\u4fdd\u5e74\u8cc7 9 \u5e74\uff0c\u9000\u4fdd\u6642\u5e73\u5747\u4fdd\u4ff8\u5047\u8a2d 38,000 \u5143\uff0c\u4e4b\u5f8c\u52de\u4fdd 12 \u5e74\uff1b65 \u6b72\u6642\u5408\u8a08 9 \uff0b 12 \uff1d 21 \u5e74\uff0c\u8d85\u904e 15 \u5e74\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u516c\u4fdd\u5e74\u91d1\uff1a38,000 \u00d7 9 \u00d7 0.75% \uff1d 2,565 \u5143\uff0f\u6708<\/li>\n<li>\u52de\u4fdd\u90a3 12 \u5e74\u4f9d\u52de\u4fdd\u689d\u4f8b\u53e6\u5916\u8a08\u7b97\uff0c\u4e0d\u6703\u91cd\u8907\u7b97\u9032\u516c\u4fdd<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u4f5c\u8005\u4f9d\u53c3\u8003\u6587\u737b\u6240\u5217\u6cd5\u898f\u8a08\u7b97\uff0c\u6578\u503c\u70ba\u5047\u8a2d\u60c5\u5883\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53cd\u65b9\u5411\u4e5f\u4e00\u6a23\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u539f\u672c\u4fdd\u52de\u4fdd\u3001\u5f8c\u4f86\u8003\u4e0a\u516c\u8077\u6539\u4fdd\u516c\u4fdd\u7684\u4eba\uff0c\u52de\u4fdd\u5e74\u8cc7\u6703\u4fdd\u7559\uff0c\u4e4b\u5f8c\u4f9d\u6cd5\u9000\u4f11\u6642\u53ef\u4ee5\u4f9d\u52de\u4fdd\u689d\u4f8b\u9818\u8001\u5e74\u7d66\u4ed8\uff08\u300a\u52de\u5de5\u4fdd\u96aa\u689d\u4f8b\u300b\u7b2c 76 \u689d\uff09<sup>[8]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9084\u6709\u4e00\u500b\u5be6\u52d9\u4e0a\u7684\u63d0\u9192\uff1a\u96e2\u8077\u9000\u4fdd\u5f8c\u9084\u6c92\u9818\u516c\u4fdd\u990a\u8001\u7d66\u4ed8\u3001\u53c8\u6c92\u6709\u53c3\u52a0\u5176\u4ed6\u793e\u6703\u4fdd\u96aa\u7684\u4eba\uff0c65 \u6b72\u524d\u53ef\u80fd\u88ab\u7d0d\u5165\u570b\u6c11\u5e74\u91d1\u4fdd\u96aa\uff0c\u8981\u53e6\u5916\u7e73\u570b\u4fdd\u4fdd\u8cbb\uff1b\u662f\u5426\u7d0d\u4fdd\uff0c\u4ee5\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u7684\u901a\u77e5\u70ba\u6e96\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u4fdd\u548c\u52de\u4fdd\u5dee\u5728\u54ea\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5169\u8005\u90fd\u662f\u793e\u6703\u4fdd\u96aa\uff0c\u6700\u5927\u7684\u5dee\u5225\u5728\u65bc\u4fdd\u7684\u4eba\u4e0d\u540c\uff0c\u7b97\u9322\u7684\u57fa\u790e\u4e5f\u4e0d\u540c\uff1a\u516c\u4fdd\u4fdd\u7684\u662f\u516c\u52d9\u4eba\u54e1\u8207\u516c\u79c1\u7acb\u5b78\u6821\u7de8\u5236\u5167\u5c08\u4efb\u6559\u8077\u54e1\uff0c\u4fdd\u8cbb\u4ee5\u672c\u4ff8\u6216\u5e74\u529f\u4ff8\uff08\u4fdd\u4ff8\uff09\u8a08\u7b97\uff0c\u4e00\u822c\u8eab\u5206\u81ea\u4ed8 35%\uff1b\u52de\u4fdd\u4fdd\u7684\u662f\u4e00\u822c\u53d7\u50f1\u52de\u5de5\u7b49\uff0c\u4fdd\u8cbb\u4ee5\u6708\u6295\u4fdd\u85aa\u8cc7\u7d1a\u8ddd\u8a08\u7b97\uff0c\u4e00\u822c\u8eab\u5206\u81ea\u4ed8 20%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5169\u8005\u90fd\u4e0d\u542b\u91ab\u7642\uff0c\u770b\u75c5\u7531\u5065\u4fdd\u8ca0\u8cac\uff0c\u4e5f\u4e0d\u80fd\u540c\u6642\u53c3\u52a0\uff08\u516c\u4fdd\u6cd5\u7b2c 6 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class=\"wp-block-paragraph\">\u5148\u67e5\u81ea\u5df1\u7684\u8cc7\u6599\uff1a\u88ab\u4fdd\u96aa\u4eba\u53ef\u4ee5\u7528\u81ea\u7136\u4eba\u6191\u8b49\u767b\u5165\u81fa\u7063\u9280\u884c\u7684\u300c\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u7db2\u8def\u4f5c\u696d e \u7cfb\u7d71\u300d\uff08gnweb.bot.com.tw\uff09\uff0c\u67e5\u52a0\u9000\u4fdd\u7d00\u9304\u3001\u4fdd\u96aa\u5e74\u8cc7\u3001\u5df2\u9818\u7d00\u9304\uff0c\u4e5f\u53ef\u4ee5\u505a\u7d66\u4ed8\u91d1\u984d\u8a66\u7b97\uff1b\u770b\u4e0d\u61c2\u7684\u5730\u65b9\uff0c\u554f\u670d\u52d9\u55ae\u4f4d\u4eba\u4e8b\u5ba4\uff0c\u6216\u6253\u81fa\u7063\u9280\u884c\u516c\u6559\u4fdd\u96aa\u90e8 (02)2701-3411\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u63a5\u8457\u4f9d\u8eab\u5206\u770b\u91cd\u9ede\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u73fe\u8077\u516c\u52d9\u54e1\u3001\u516c\u7acb\u5b78\u6821\u8001\u5e2b\uff08\u78ba\u5b9a\u7d66\u4ed8\u5236\uff09\uff1a\u516c\u4fdd\u9000\u4f11\u6642\u662f\u4e00\u7b46\u4e00\u6b21\u7d66\u4ed8\uff0c\u4e3b\u8981\u7684\u6309\u6708\u6536\u5165\u4f86\u81ea\u9000\u64ab\uff0c\u898f\u5283\u6642\u8981\u628a\u9019\u7b46\u4e00\u6b21\u7d66\u4ed8\u7b97\u9032\u53bb\uff0c\u8a73\u7d30\u7684\u9000\u64ab\u898f\u5b9a\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6735\">\u516c\u52d9\u54e1\u9000\u4f11\u91d1\u6709\u591a\u5c11<\/a>\u548c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6929\">\u516c\u7acb\u5b78\u6821\u8001\u5e2b\u9000\u4f11\u91d1\u6700\u65b0\u898f\u5b9a<\/a><\/li>\n<li>\u79c1\u7acb\u5b78\u6821\u6559\u8077\u54e1\uff1a\u591a\u6578\u4eba\u9000\u4f11\u8d70\u516c\u4fdd\u5e74\u91d1\uff0c\u53e6\u5916\u9084\u6709\u79c1\u6821\u9000\u64ab\u5132\u91d1\uff0c\u5169\u8005\u5408\u8a08\u53d7\u7b2c 17 \u689d\u4e0a\u9650\u9650\u5236\uff0c\u9000\u4f11\u524d\u53ef\u4ee5\u8acb\u4eba\u4e8b\u5ba4\u8a66\u7b97\u7d66\u4ed8\u7387\uff0c\u79c1\u6821\u9000\u64ab\u7684\u90e8\u5206\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13189\">\u79c1\u6821\u9000\u64ab\u662f\u4ec0\u9ebc<\/a><\/li>\n<li>2023 \u5e74 7 \u6708\u4ee5\u5f8c\u521d\u4efb\u7684\u516c\u6559\u4eba\u54e1\uff1a\u516c\u4fdd\u5e74\u91d1\u52a0\u4e0a\u500b\u4eba\u5c08\u6236\uff0c\u5c31\u662f\u9000\u4f11\u6642\u7684\u5169\u5c64\u6536\u5165\uff0c\u500b\u4eba\u5c08\u6236\u7684\u91d1\u984d\u53d6\u6c7a\u65bc\u63d0\u64a5\u548c\u6295\u8cc7\u7d50\u679c\uff0c\u73fe\u5728\u5c31\u503c\u5f97\u4e86\u89e3\u5e33\u6236\u600e\u9ebc\u904b\u7528<\/li>\n<li>\u6e96\u5099\u96e2\u8077\u6216\u8f49\u8077\u7684\u4eba\uff1a\u5148\u78ba\u8a8d\u96e2\u8077\u5f8c\u5e74\u8cc7\u6703\u4fdd\u7559\uff0c\u518d\u8a18\u4e0b 65 \u6b72\u6642\u53ef\u4ee5\u7533\u8acb\u7684\u6642\u9ede\uff1b\u5169\u908a\u5e74\u8cc7\u5404\u4e0d\u6eff 15 \u5e74\u7684\u4eba\uff0c\u8a18\u5f97\u7b2c 49 \u689d\u7684\u5408\u4f75\u8acb\u9818<\/li>\n<li>\u80fd\u5728\u5e74\u91d1\u548c\u4e00\u6b21\u7d66\u4ed8\u4e4b\u9593\u9078\u64c7\u7684\u4eba\uff1a\u9078\u4e86\u5c31\u4e0d\u80fd\u6539\uff0c\u5148\u628a\u56de\u672c\u6642\u9593\u3001\u5065\u5eb7\u548c\u5bb6\u5ead\u72c0\u6cc1\u60f3\u6e05\u695a\u518d\u6c7a\u5b9a<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u7a05\u7684\u90e8\u5206\uff1a\u516c\u6559\u4fdd\u96aa\u7684\u4fdd\u96aa\u7d66\u4ed8\u4f9d\u300a\u6240\u5f97\u7a05\u6cd5\u300b\u7b2c 4 \u689d\u7b2c 1 \u9805\u7b2c 7 \u6b3e\u514d\u7d0d\u6240\u5f97\u7a05<sup>[9]<\/sup>\uff0c\u9000\u64ab\u7684\u9000\u8077\u6240\u5f97\u5247\u53e6\u6709\u898f\u5b9a\uff0c\u898b<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\">\u56de\u5230\u958b\u982d\u90a3\u500b\u554f\u984c\uff1a\u516c\u4fdd\u662f\u9000\u4f11\u6536\u5165\u7684\u5176\u4e2d\u4e00\u584a\uff0c\u5c0d\u591a\u6578\u516c\u52d9\u54e1\u4f86\u8aaa\u662f\u9000\u4f11\u7576\u5929\u7684\u4e00\u7b46\u9322\uff0c\u5c0d\u79c1\u6821\u8001\u5e2b\u548c\u65b0\u9032\u516c\u6559\u4eba\u54e1\u4f86\u8aaa\u662f\u6bcf\u500b\u6708\u7684\u4e00\u90e8\u5206\u6536\u5165\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u771f\u6b63\u9700\u8981\u82b1\u6642\u9593\u7684\uff0c\u662f\u628a\u516c\u4fdd\u3001\u9000\u64ab\u548c\u81ea\u5df1\u7684\u5b58\u6b3e\u653e\u5728\u4e00\u8d77\u770b\uff0c\u7b97\u51fa\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u5920\u4e0d\u5920\u7528\uff1b\u7b2c\u4e00\u6b65\uff0c\u5c31\u662f\u767b\u5165\u516c\u4fdd e \u7cfb\u7d71\uff0c\u628a\u81ea\u5df1\u7684\u5e74\u8cc7\u548c\u8a66\u7b97\u91d1\u984d\u62ff\u51fa\u4f86\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\uff08\u516c\u4fdd\uff09\u662f\u516c\u6559\u4eba\u54e1\u9000\u4f11\u6536\u5165\u88e1\u6700\u7a69\u7684\u4e00\u584a\uff0c\u4e5f\u662f\u6700\u5bb9\u6613\u88ab\u9ad8\u4f30\u7684\u4e00\u584a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7a69\uff0c\u662f\u56e0\u70ba\u5b83\u7b97\u5f97\u51fa\u4f86\uff1a\u5e74\u8cc7\u3001\u4fdd\u4ff8\u3001\u6708\u6578\uff0c\u689d\u6587\u5beb\u5f97\u6e05\u6e05\u695a\u695a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9ad8\u4f30\uff0c\u662f\u56e0\u70ba\u5c0d\u5927\u591a\u6578\u73fe\u8077\u516c\u52d9\u54e1\u4f86\u8aaa\uff0c\u5b83\u53ea\u662f\u9000\u4f11\u7576\u5929\u5165\u5e33\u7684\u4e00\u7b46\u9322\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u8a66\u7b97\u4e00\u7684\u7532\u70ba\u4f8b\uff0c126 \u842c\u5143\u5982\u679c\u8981\u6490\u9000\u4f11\u5f8c 25 \u5e74\uff1a1,260,000 \u00f7 25 \u5e74 \u00f7 12 \u500b\u6708 \uff1d 4,200 \u5143\uff0c\u4e00\u500b\u6708\u5927\u7d04 4,200 \u5143\uff08\u9084\u6c92\u6263\u901a\u81a8\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u56de\u5230\u90a3\u5f35\u50b5\u5238\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u52d9\u54e1\u7684\u5de5\u4f5c\u672c\u8eab\u5df2\u7d93\u50cf\u4e00\u5f35\u9577\u5929\u671f\u50b5\u5238\uff0c\u9000\u64ab\u548c\u516c\u4fdd\u662f\u9019\u5f35\u50b5\u5238\u5f8c\u6bb5\u7684\u73fe\u91d1\u6d41\uff1b\u6240\u4ee5\u6211\u89ba\u5f97\uff0c\u516c\u6559\u4eba\u54e1\u7f3a\u7684\u5f80\u5f80\u4e0d\u662f\u66f4\u591a\u7684\u50b5\u5238\uff0c\u800c\u662f\u7b2c\u4e09\u652f\u67f1\uff08Third Pillar\uff09\uff0c\u4e5f\u5c31\u662f\u793e\u6703\u4fdd\u96aa\u548c\u8077\u696d\u9000\u4f11\u91d1\u4e4b\u5916\uff0c\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u584a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u4e5f\u662f\u4eba\u529b\u8cc7\u672c\uff08Human Capital\uff09\u7684\u6982\u5ff5\uff1a\u5de5\u4f5c\u6536\u5165\u8d8a\u50cf\u50b5\u5238\uff0c\u81ea\u5df1\u7684\u6295\u8cc7\u7d44\u5408\u8d8a\u6709\u689d\u4ef6\u627f\u53d7\u80a1\u7968\u7684\u6ce2\u52d5\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u81ea\u5df1\u7684\u9000\u4f11\u6e96\u5099\u505a\u6cd5\u5f88\u55ae\u7d14\uff1a\u7528\u4f4e\u6210\u672c\u7684\u6307\u6578\u5316\u5de5\u5177\u505a\u5168\u7403\u80a1\u50b5\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u5b9a\u671f\u518d\u5e73\u8861\uff0c\u9577\u671f\u6301\u6709\uff0c\u4e0d\u731c\u5e02\u5834\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u81f3\u65bc\u80fd\u5728\u5e74\u91d1\u548c\u4e00\u6b21\u7d66\u4ed8\u4e4b\u9593\u9078\u7684\u4eba\uff0c\u6211\u89ba\u5f97\u5e74\u91d1\u7684\u50f9\u503c\u5e38\u88ab\u4f4e\u4f30\uff1a\u5b83\u50cf\u4e00\u5f35\u9818\u5230\u7d42\u8eab\u3001\u9084\u6703\u96a8\u7269\u50f9\u8abf\u6574\u7684\u50b5\u5238\uff0c\u9019\u7a2e\u6771\u897f\u81ea\u5df1\u5f88\u96e3\u5728\u5e02\u5834\u4e0a\u8cb7\u5230\uff08\u7576\u7136\uff0c\u9078\u4e86\u5c31\u4e0d\u80fd\u6539\uff0c\u5065\u5eb7\u548c\u5bb6\u5ead\u72c0\u6cc1\u8981\u4e00\u8d77\u60f3\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u662f\u4e00\u5f35\u50b5\u5238\uff0c\u9000\u4f11\u662f\u4e00\u6574\u500b\u6295\u8cc7\u7d44\u5408\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-end alpha-cta-retire has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#f3f7fb;padding:32px 20px\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-size:clamp(16.834px, 1.052rem + ((1vw - 3.2px) * 0.716), 26px);font-weight:700\">\u9000\u4f11\u91d1\u5920\u4e0d\u5920\uff0c\u5148\u770b\u7f3a\u53e3\u6709\u591a\u5927<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u5e74\u91d1\u52a0\u8d77\u4f86\u80fd\u9818\u591a\u5c11\uff0c\u548c\u4f60\u60f3\u904e\u7684\u751f\u6d3b\u9084\u5dee\u591a\u5c11\uff0c\u52a0\u5165\u5b98\u65b9 LINE \u7559\u8a00\uff0c\u963f\u723e\u767c\u9867\u554f\u548c\u4f60\u4e00\u8d77\u770b<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe0a7de2 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\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\">\u516c\u4fdd\u4e00\u500b\u6708\u6263\u591a\u5c11\u9322\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u81ea\u4ed8\u984d \uff1d \u4fdd\u4ff8 \u00d7 \u8cbb\u7387 \u00d7 35%\uff0c\u8cbb\u7387\u4f9d\u985e\u5225\u5f9e 7.22% \u5230 16.33%\uff082025 \u5e74 1 \u6708 1 \u65e5\u8d77\uff09\uff0c\u4ee5\u4fdd\u4ff8 40,000 \u5143\u8a66\u7b97\uff0c\u975e\u5e74\u91d1\u985e\u6bcf\u6708\u81ea\u4ed8\u7d04 1,011 \u5143\uff0c\u53c3\u52a0\u9000\u64ab\u5132\u91d1\u4e14\u7121 2023 \u5e74 6 \u6708\u524d\u5e74\u8cc7\u7684\u5168\u984d\u5e74\u91d1\u985e\u7d04 2,286 \u5143\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u516c\u4fdd\u990a\u8001\u7d66\u4ed8\u4e00\u6b21\u53ef\u4ee5\u9818\u5e7e\u500b\u6708\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6eff\u4e00\u5e74\u4fdd\u96aa\u5e74\u8cc7\u7d66 1.2 \u500b\u6708\uff0c\u6700\u9ad8 42 \u500b\u6708\uff1b\u6709\u8fa6\u7406\u512a\u60e0\u5b58\u6b3e\u7684\u4eba\u6700\u9ad8 36 \u500b\u6708\uff08\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u7b2c 16 \u689d\uff09\uff0c\u91d1\u984d\u7528\u9000\u4f11\u524d 10 \u5e74\u7684\u5e73\u5747\u4fdd\u4ff8\u8a08\u7b97\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u516c\u4fdd\u5e74\u91d1\u5e7e\u6b72\u53ef\u4ee5\u9818\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u7e73\u8cbb\u6eff 15 \u5e74\u4e14 65 \u6b72\u3001\u6eff 20 \u5e74\u4e14 60 \u6b72\uff0c\u6216\u6eff 30 \u5e74\u4e14 55 \u6b72\uff0c\u4e09\u8005\u7b26\u5408\u4e00\u9805\u5373\u53ef\uff1b\u5e74\u8cc7\u6eff 15 \u5e74\u53ef\u63d0\u524d\u6700\u591a 5 \u5e74\u9818\uff0c\u6bcf\u63d0\u524d\u4e00\u5e74\u6e1b 4%\uff08\u7b2c 16\u300118 \u689d\uff09\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u9818\u6708\u9000\u4f11\u91d1\uff0c\u9084\u80fd\u9818\u516c\u4fdd\u5e74\u91d1\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u76ee\u524d\u4e0d\u80fd\uff0c\u4f9d\u516c\u6559\u4eba\u54e1\u4fdd\u96aa\u6cd5\u7b2c 48 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class=\"wp-block-heading\">\u570b\u6c11\u5e74\u91d1\u548c\u516c\u4fdd\u53ef\u4ee5\u4e00\u8d77\u9818\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u516c\u4fdd\u88ab\u4fdd\u96aa\u4eba\u5728\u4fdd\u671f\u9593\u4e0d\u80fd\u540c\u6642\u53c3\u52a0\u570b\u4fdd\uff08\u7b2c 6 \u689d\uff09\uff0c\u96e2\u8077\u5f8c\u672a\u9818\u516c\u4fdd\u990a\u8001\u7d66\u4ed8\u7684\u4eba\uff0c\u9818\u570b\u4fdd\u8001\u5e74\u7d66\u4ed8\u6642\uff0c\u4e5f\u53ef\u4ee5\u8acb\u9818\u4fdd\u7559\u7684\u516c\u4fdd\u990a\u8001\u7d66\u4ed8\uff08\u7b2c 26 \u689d\uff09\u3002\u500b\u4eba\u60c5\u6cc1\u8acb\u4ee5\u52de\u4fdd\u5c40\u8207\u53f0\u9280\u7684\u5be9\u5b9a\u70ba\u6e96\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u79c1\u7acb\u5b78\u6821\u8001\u5e2b\u53ef\u4ee5\u4fdd\u516c\u4fdd\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u79c1\u7acb\u5b78\u6821\u7de8\u5236\u5167\u7684\u6709\u7d66\u5c08\u4efb\u6559\u8077\u54e1\u8981\u53c3\u52a0\u516c\u4fdd\uff08\u7b2c 2 \u689d\uff09\uff0c\u4fdd\u8cbb\u81ea\u4ed8 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