{"id":13333,"date":"2025-02-25T10:03:36","date_gmt":"2025-02-25T02:03:36","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=13333"},"modified":"2025-02-25T10:03:36","modified_gmt":"2025-02-25T02:03:36","slug":"%e5%b7%b4%e8%8f%b2%e7%89%b92024%e8%82%a1%e6%9d%b1%e4%bf%a1%ef%bc%9a%e6%95%99%e4%bd%a0%e8%aa%8d%e9%8c%af%e3%80%81%e6%8c%91%e4%ba%ba%e3%80%81%e9%95%b7%e6%9c%9f%e8%b3%ba%e5%a4%a7%e9%8c%a2%e7%9a%84","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=13333","title":{"rendered":"\u5df4\u83f2\u72792025\u80a1\u6771\u4fe1\uff1a\u6559\u4f60\u8a8d\u932f\u3001\u6311\u4eba\u3001\u9577\u671f\u8cfa\u5927\u9322\u7684\u6295\u8cc7\u5fc3\u6cd5"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5df4\u83f2\u72792025\u5e74\u80a1\u6771\u4fe1\uff1a\u5766\u8aa0\u804a\u804a\u6295\u8cc7\u3001\u932f\u8aa4\u8207\u672a\u4f86<\/h2>\n\n\n\n<p>\u5df4\u83f2\u7279\u65bc 2025 \u5e74 2 \u6708 22 \u65e5\u767c\u8868\u4e86 2024 \u5e74\u5ea6\u81f4\u80a1\u6771\u4fe1\uff0c\u5ef6\u7e8c\u4e00\u8cab\u771f\u8aa0\u4e14\u52d9\u5be6\u7684\u98a8\u683c\u3002\u672c\u6b21\u4fe1\u4ef6\u4e0d\u50c5\u5448\u73fe Berkshire Hathaway \u7684\u8ca1\u52d9\u8868\u73fe\uff0c\u66f4\u6db5\u84cb\u5c0d\u672a\u4f86\u767c\u5c55\u7684\u601d\u8003\u8207\u7b56\u7565\u65b9\u5411\uff0c\u4e26\u7a7f\u63d2\u500b\u4eba\u7d93\u9a57\u8207\u5e02\u5834\u89c0\u5bdf\uff0c\u4f7f\u5167\u5bb9\u66f4\u5177\u555f\u767c\u6027\u3002\u4ee5\u4e0b\u5c07\u6574\u7406\u5176\u6838\u5fc3\u89c0\u9ede\uff0c\u4e26\u63a2\u8a0e\u5176\u4e2d\u5c0d\u6295\u8cc7\u6c7a\u7b56\u7684\u555f\u793a\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><a href=\"https:\/\/www.berkshirehathaway.com\/letters\/2024ltr.pdf\" data-type=\"link\" data-id=\"https:\/\/www.berkshirehathaway.com\/letters\/2024ltr.pdf\">\u5df4\u83f2\u7279\u300a\u81f4\u80a1\u6771\u7684\u4fe1\u300b\u539f\u6587<\/a><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u627f\u8a8d\u932f\u8aa4\u6c92\u4ec0\u9ebc\u5927\u4e0d\u4e86\uff0c\u4f46\u62d6\u8457\u4e0d\u6539\u624d\u662f\u5927\u554f\u984c<\/h2>\n\n\n\n<p>\u5df4\u83f2\u7279\u4e00\u958b\u982d\u5c31\u5f88\u5766\u767d\uff1a\u4ed6\u4e5f\u6703\u72af\u932f\u3002\u7121\u8ad6\u662f\u8cb7\u932f\u516c\u53f8\u9084\u662f\u770b\u932f\u4eba\uff0c\u4ed6\u90fd\u627f\u8a8d\u81ea\u5df1\u4e0d\u662f\u842c\u80fd\u7684\u3002\u4ed6\u8aaa\uff0c\u6709\u6642\u5019\u4ed6\u9ad8\u4f30\u4e86\u4e00\u5bb6\u516c\u53f8\u7684\u672a\u4f86\u50f9\u503c\uff0c\u6709\u6642\u5019\u5247\u662f\u6311\u932f\u4e86\u7ba1\u7406\u5718\u968a\u3002\u9019\u4e9b\u5931\u8aa4\u6709\u7684\u662f\u8ca1\u52d9\u4e0a\u7684\u6253\u64ca\uff0c\u6709\u7684\u751a\u81f3\u8b93\u4ed6\u5fc3\u75db\u5f97\u50cf\u662f\u300c\u5a5a\u59fb\u7834\u88c2\u300d\u4e00\u6a23\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u4ed6\u5f37\u8abf\u4e00\u500b\u95dc\u9375\uff1a\u72af\u932f\u4e0d\u53ef\u6015\uff0c\u6015\u7684\u662f\u300c\u62d6\u5ef6\u75c7\u300d\u3002\u4ed6\u63d0\u5230\u8001\u642d\u6a94\u67e5\u7406\u00b7\u8499\u683c\uff08Charlie Munger\uff09\u5e38\u8aaa\u7684\u300cthumb-sucking\u300d\uff08\u62d6\u8457\u4e0d\u884c\u52d5\uff09\uff0c\u610f\u601d\u662f\u554f\u984c\u4e0d\u6703\u81ea\u5df1\u6d88\u5931\uff0c\u5f97\u679c\u65b7\u51fa\u624b\u89e3\u6c7a\u3002\u9019\u5c0d\u6211\u5011\u5c0f\u6563\u6236\u4f86\u8aaa\u662f\u500b\u63d0\u9192\uff1a\u8cb7\u932f\u80a1\u7968\u6216\u57fa\u91d1\u6642\uff0c\u5225\u8001\u62b1\u8457\u300c\u7b49\u5b83\u56de\u672c\u300d\u7684\u5e7b\u60f3\uff0c\u8a72\u5272\u8089\u5c31\u5272\u8089\uff0c\u5225\u8b93\u5c0f\u932f\u8b8a\u5927\u798d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Pete Liegl\uff1a\u4e00\u500b\u4f4e\u8abf\u4f46\u8d85\u6703\u8cfa\u9322\u7684\u50b3\u5947<\/h2>\n\n\n\n<p>\u4fe1\u88e1\u9084\u63d0\u5230\u4e00\u500b\u5f88\u6709\u610f\u601d\u7684\u6545\u4e8b\uff0c\u95dc\u65bc Forest River \u7684\u5275\u59cb\u4eba Pete Liegl\u3002\u9019\u4f4d\u8001\u5144\u572880\u6b72\u53bb\u4e16\u524d\uff0c\u4e00\u76f4\u662f\u500b\u5de5\u4f5c\u72c2\u30022005\u5e74\uff0c\u5df4\u83f2\u7279\u6536\u5230\u4e00\u5c01\u4fe1\u8aaa Pete \u60f3\u628a\u516c\u53f8\u8ce3\u7d66 Berkshire\uff0c\u800c\u4e14\u958b\u50f9\u76f4\u63a5\u4e86\u7576\u3002<\/p>\n\n\n\n<p>\u5df4\u83f2\u7279\u898b\u4e86 Pete \u4e00\u9762\uff0c\u804a\u4e86\u5e7e\u53e5\u5c31\u6572\u5b9a\u4e86\u4ea4\u6613\uff0c\u9023\u623f\u5730\u7522\u4f30\u503c\u90fd\u76f4\u63a5\u76f8\u4fe1 Pete \u7684\u5831\u50f9\u3002\u66f4\u8a87\u5f35\u7684\u662f\uff0cPete \u4e3b\u52d5\u8aaa\u5e74\u85aa\u53ea\u898110\u842c\u7f8e\u5143\uff0c\u689d\u4ef6\u662f\u8cfa\u8d85\u51fa\u9810\u671f\u7684\u5229\u6f64\u7d66\u4ed610%\u734e\u91d1\u3002\u7d50\u679c\u5462\uff1f\u63a5\u4e0b\u4f8619\u5e74\uff0cPete \u628a Forest River \u7d93\u71df\u5f97\u98a8\u751f\u6c34\u8d77\uff0c\u8b93 Berkshire \u8cfa\u4e86\u597d\u5e7e\u5341\u5104\u3002<\/p>\n\n\n\n<p>\u9019\u500b\u6545\u4e8b\u544a\u8a34\u6211\u5011\u4ec0\u9ebc\uff1f\u7b2c\u4e00\uff0c\u627e\u5c0d\u4eba\u6bd4\u4ec0\u9ebc\u90fd\u91cd\u8981\u3002Pete \u4e0d\u53ea\u80fd\u529b\u5f37\uff0c\u9084\u8d85\u6709\u8aa0\u4fe1\u3002\u7b2c\u4e8c\uff0c\u7c21\u55ae\u76f4\u63a5\u7684\u5408\u4f5c\u65b9\u5f0f\u6709\u6642\u5019\u6bd4\u8907\u96dc\u7684\u5408\u540c\u66f4\u7ba1\u7528\u3002\u5c0d\u6211\u5011\u4f86\u8aaa\uff0c\u6311\u6295\u8cc7\u6a19\u7684\u6642\uff0c\u4e0d\u59a8\u591a\u770b\u770b\u7ba1\u7406\u5c64\u7684\u80fd\u529b\u548c\u54c1\u683c\uff0c\u5225\u53ea\u76ef\u8457\u8ca1\u5831\u6578\u5b57\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u6ce2\u514b\u590f2024\u5e74\u7684\u6210\u7e3e\u55ae\uff1a\u7a69\u4e2d\u6709\u9a5a\u559c<\/h2>\n\n\n\n<p>\u4f86\u8aaa\u8aaa Berkshire \u53bb\u5e74\u7684\u8868\u73fe\u5427\u30022024\u5e74\uff0c\u71df\u904b\u5229\u6f64\u9054\u5230474\u5104\u7f8e\u5143\uff0c\u6bd4\u5df4\u83f2\u7279\u9810\u671f\u7684\u9084\u597d\u3002\u96d6\u7136189\u5bb6\u5b50\u516c\u53f8\u4e2d\u670953%\u8cfa\u5f97\u5c11\u4e86\uff0c\u4f46\u9760\u8457\u7f8e\u570b\u570b\u5eab\u5238\u6536\u76ca\u589e\u52a0\u548c\u4fdd\u96aa\u696d\u52d9\u7684\u5927\u5e45\u6210\u9577\uff0c\u9084\u662f\u4ea4\u51fa\u4e86\u4e00\u5f35\u6f02\u4eae\u7684\u6210\u7e3e\u55ae\u3002\u5c24\u5176\u662f GEICO\uff0c\u5728 Todd Combs \u5e36\u9818\u4e0b\uff0c\u4e94\u5e74\u4f86\u6548\u7387\u5927\u63d0\u5347\uff0c2024\u5e74\u7684\u9032\u6b65\u66f4\u662f\u4eae\u773c\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u9435\u8def\u548c\u516c\u7528\u4e8b\u696d\u9019\u5169\u5927\u696d\u52d9\u4e5f\u6709\u9032\u6b65\uff0c\u5e74\u5e95\u9084\u82b1\u4e8639\u5104\u7f8e\u5143\u628a\u516c\u7528\u4e8b\u696d\u7684\u80a1\u4efd\u5f9e92%\u8cb7\u5230100%\u3002\u4e0d\u904e\uff0c\u5df4\u83f2\u7279\u4e5f\u63d0\u9192\uff0c\u4fdd\u96aa\u696d\u52d9\u96d6\u7136\u8cfa\u9322\uff0c\u4f46\u6c23\u5019\u8b8a\u9077\u5e36\u4f86\u7684\u66b4\u98a8\u96e8\u640d\u5931\u8d8a\u4f86\u8d8a\u5927\uff0c\u672a\u4f86\u53ef\u80fd\u96a8\u6642\u5192\u51fa\u500b\u300c\u8d85\u7d1a\u5927\u707d\u96e3\u300d\u3002\u9019\u9ede\u633a\u503c\u5f97\u6211\u5011\u601d\u8003\uff1a\u6295\u8cc7\u6642\u5225\u5149\u770b\u773c\u524d\u6536\u76ca\uff0c\u4e5f\u5f97\u8003\u616e\u9577\u671f\u98a8\u96aa\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u6295\u8cc7\u54f2\u5b78\uff1a\u5c08\u6ce8\u6295\u8cc7\uff0c\u5c11\u78b0\u73fe\u91d1<\/h2>\n\n\n\n<p>\u5df4\u83f2\u7279\u518d\u6b21\u5f37\u8abf\uff0cBerkshire \u7684\u9322\u5927\u591a\u9084\u662f\u6295\u5728\u80a1\u7968\u4e0a\uff0c\u4e0d\u7ba1\u662f\u5168\u8cc7\u63a7\u80a1\u7684\u516c\u53f8\u9084\u662f\u50cf\u860b\u679c\u3001\u53ef\u53e3\u53ef\u6a02\u9019\u6a23\u7684\u5c11\u6578\u80a1\u6b0a\u3002\u4ed6\u8aaa\uff0c\u96d6\u7136\u73fe\u91d1\u90e8\u4f4d\u770b\u8d77\u4f86\u4e0d\u5c11\uff0c\u4f46\u8ddf\u80a1\u7968\u6bd4\u9084\u662f\u5c0f\u5deb\u898b\u5927\u5deb\u3002\u4ed6\u5c0d\u7f8e\u570b\u4f01\u696d\u7684\u4fe1\u5fc3\u6c92\u8b8a\uff0c\u8a8d\u70ba\u9577\u671f\u6301\u6709\u512a\u8cea\u751f\u610f\u624d\u662f\u738b\u9053\uff0c\u73fe\u91d1\u548c\u50b5\u5238\u53ea\u662f\u61c9\u4ed8\u77ed\u671f\u6ce2\u52d5\u7684\u5de5\u5177\u3002<\/p>\n\n\n\n<p>\u9019\u5c0d\u6211\u5011\u6709\u4ec0\u9ebc\u555f\u767c\uff1f\u5225\u8001\u60f3\u8457\u300c\u4f4e\u8cb7\u9ad8\u8ce3\u300d\u8cfa\u5feb\u9322\uff0c\u627e\u5e7e\u500b\u9760\u8b5c\u7684\u516c\u53f8\uff0c\u8010\u5fc3\u6301\u6709\uff0c\u53ef\u80fd\u624d\u662f\u66f4\u7a69\u7684\u8def\u3002\u7576\u7136\uff0c\u4ed6\u4e5f\u63d0\u5230\u65e5\u672c\u5e02\u5834\uff0c\u8aaa Berkshire \u5c0d\u4e94\u5bb6\u65e5\u672c\u516c\u53f8\uff08\u50cf\u4e09\u83f1\u3001\u4e09\u4e95\uff09\u7684\u6295\u8cc7\u8d8a\u4f86\u8d8a\u591a\uff0c\u6253\u7b97\u9577\u671f\u6301\u6709\u3002\u9019\u63d0\u9192\u6211\u5011\uff0c\u5168\u7403\u5316\u8996\u91ce\u4e5f\u5f88\u91cd\u8981\uff0c\u5225\u53ea\u76ef\u8457\u81ea\u5df1\u5bb6\u9580\u53e3\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fdd\u96aa\u696d\u52d9\uff1aBerkshire \u7684\u6838\u5fc3\u6b66\u5668<\/h2>\n\n\n\n<p>\u4fe1\u88e1\u82b1\u4e86\u4e0d\u5c11\u7bc7\u5e45\u8b1b\u8ca1\u7522\u8207\u610f\u5916\u96aa\uff08P\/C insurance\uff09\uff0c\u9019\u662f Berkshire \u7684\u5fc3\u81df\u696d\u52d9\u3002\u5df4\u83f2\u7279\u8aaa\uff0c\u9019\u884c\u5f88\u7279\u5225\uff0c\u56e0\u70ba\u5148\u6536\u4fdd\u8cbb\u3001\u5f8c\u4ed8\u8ce0\u6b3e\uff0c\u80fd\u7522\u751f\u5927\u7b46\u300c\u6d6e\u5b58\u91d1\u300d\uff08float\uff09\u62ff\u53bb\u6295\u8cc7\u3002\u904e\u53bb20\u5e74\uff0c\u9019\u584a\u696d\u52d9\u8cfa\u4e86320\u5104\u7f8e\u5143\u6de8\u5229\uff0c\u6d6e\u5b58\u91d1\u4e5f\u5f9e460\u5104\u6210\u9577\u52301710\u5104\u3002\u4ed6\u5011\u4e0d\u6015\u5927\u8ce0\u6b3e\uff0c\u56e0\u70ba\u6709\u5f37\u5927\u7684\u8cc7\u672c\u625b\u5f97\u4f4f\uff0c\u800c\u4e14\u4e0d\u9760\u518d\u4fdd\u96aa\uff0c\u80fd\u7701\u4e0b\u4e0d\u5c11\u6210\u672c\u3002<\/p>\n\n\n\n<p>\u5c0d\u6211\u5011\u4f86\u8aaa\uff0c\u9019\u662f\u500b\u5f88\u597d\u7684\u6848\u4f8b\uff1a\u627e\u5230\u4e00\u500b\u6709\u300c\u8b77\u57ce\u6cb3\u300d\u7684\u751f\u610f\uff0c\u80fd\u7a69\u5b9a\u7522\u751f\u73fe\u91d1\u6d41\uff0c\u6bd4\u4ec0\u9ebc\u90fd\u5f37\u3002\u7576\u7136\uff0c\u4fdd\u96aa\u9019\u884c\u98a8\u96aa\u4e5f\u4e0d\u5c0f\uff0c\u5b9a\u50f9\u5f97\u6e96\uff0c\u4e0d\u7136\u8ce0\u5230\u812b\u8932\u5b50\u90fd\u4e0d\u77e5\u9053\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u770b\u5b8c\u9019\u5c01\u4fe1\uff0c\u6211\u6574\u7406\u4e86\u5e7e\u500b\u5be6\u7528\u7684\u5efa\u8b70\u7d66\u5927\u5bb6\uff1a<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u52c7\u65bc\u8a8d\u932f\uff0c\u679c\u65b7\u6b62\u640d<\/strong>\uff1a<\/h3>\n\n\n\n<p>\u8cb7\u932f\u80a1\u7968\u6216\u57fa\u91d1\u6642\uff0c\u5225\u62d6\uff0c\u8a72\u8ce3\u5c31\u8ce3\uff0c\u7559\u8457\u73fe\u91d1\u627e\u65b0\u6a5f\u6703\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6311\u4eba\u6bd4\u6311\u516c\u53f8\u91cd\u8981<\/strong>\uff1a<\/h3>\n\n\n\n<p>\u6295\u8cc7\u524d\u591a\u7814\u7a76\u7ba1\u7406\u5c64\uff0c\u770b\u770b\u4ed6\u5011\u7684\u80fd\u529b\u548c\u8aa0\u4fe1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9577\u671f\u601d\u7dad\u6700\u8cfa\u9322<\/strong>\uff1a<\/h3>\n\n\n\n<p>\u5225\u8001\u60f3\u77ed\u7dda\u64cd\u4f5c\uff0c\u627e\u512a\u8cea\u4f01\u696d\u8010\u5fc3\u6301\u6709\uff0c\u6642\u9593\u6703\u5e6b\u4f60\u8cfa\u9322\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u95dc\u6ce8\u98a8\u96aa\u7ba1\u7406<\/strong>\uff1a<\/h3>\n\n\n\n<p>\u6c23\u5019\u8b8a\u9077\u3001\u7d93\u6fdf\u6ce2\u52d5\u9019\u4e9b\u6f5b\u5728\u5371\u6a5f\uff0c\u5f97\u653e\u9032\u6295\u8cc7\u8003\u91cf\u88e1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u653e\u773c\u5168\u7403\u6a5f\u6703<\/strong>\uff1a<\/h3>\n\n\n\n<p>\u9664\u4e86\u672c\u5730\u5e02\u5834\uff0c\u50cf\u65e5\u672c\u9019\u6a23\u7a69\u5065\u7684\u5730\u65b9\u4e5f\u503c\u5f97\u770b\u770b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u9019\u4e9b\u6295\u8cc7\u539f\u5247\u4e0d\u50c5\u662f\u6210\u529f\u6295\u8cc7\u7684\u95dc\u9375\uff0c\u66f4\u662f<strong>\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/strong>\u80fd\u5920\u5e6b\u52a9\u6295\u8cc7\u4eba\u9075\u5faa\u7684\u6838\u5fc3\u7406\u5ff5\uff0c\u5c31\u50cf\u4e00\u4f4d<strong>\u5c08\u696d\u6295\u8cc7\u6559\u7df4<\/strong>\uff0c\u78ba\u4fdd\u6295\u8cc7\u4eba\u59cb\u7d42\u8d70\u5728\u6b63\u78ba\u7684\u9053\u8def\u4e0a\uff1a<\/p>\n\n\n\n<p>\u2705 <strong>\u52c7\u65bc\u8a8d\u932f\uff0c\u679c\u65b7\u6b62\u640d<\/strong>\uff1a\u6a5f\u5668\u4eba\u7406\u8ca1\u900f\u904e\u6578\u64da\u5206\u6790\u8207\u98a8\u96aa\u63a7\u7ba1\uff0c\u5ba2\u89c0\u8a55\u4f30\u5e02\u5834\u74b0\u5883\uff0c\u9069\u6642\u8abf\u6574\u8cc7\u7522\u914d\u7f6e\uff0c\u5e6b\u52a9\u6295\u8cc7\u4eba\u7406\u6027\u6c7a\u7b56\uff0c\u4e0d\u8b93\u932f\u8aa4\u6295\u8cc7\u62d6\u7d2f\u6574\u9ad4\u6536\u76ca\u3002<br \/>\u2705 <strong>\u6311\u4eba\u6bd4\u6311\u516c\u53f8\u91cd\u8981<\/strong>\uff1a\u6a5f\u5668\u4eba\u7406\u8ca1\u7cbe\u9078\u7ba1\u7406\u5718\u968a\u7a69\u5065\u3001\u8ca1\u52d9\u900f\u660e\u7684\u6295\u8cc7\u6a19\u7684\uff0c\u78ba\u4fdd\u6295\u8cc7\u7d44\u5408\u5efa\u7acb\u5728\u5c08\u696d\u7be9\u9078\u8207\u9577\u671f\u50f9\u503c\u7684\u57fa\u790e\u4e0a\u3002<br \/>\u2705 <strong>\u9577\u671f\u601d\u7dad\u6700\u8cfa\u9322<\/strong>\uff1a\u900f\u904e\u7d00\u5f8b\u6027\u7684\u6295\u8cc7\u7b56\u7565\u8207\u81ea\u52d5\u518d\u5e73\u8861\u6a5f\u5236\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u5e6b\u52a9\u6295\u8cc7\u4eba\u5805\u6301\u9577\u671f\u6295\u8cc7\uff0c\u907f\u514d\u77ed\u7dda\u64cd\u4f5c\u5e36\u4f86\u7684\u60c5\u7dd2\u5e72\u64fe\u3002<br \/>\u2705 <strong>\u95dc\u6ce8\u98a8\u96aa\u7ba1\u7406<\/strong>\uff1a\u5e02\u5834\u6ce2\u52d5\u3001\u7d93\u6fdf\u8b8a\u9077\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u90fd\u80fd\u7d0d\u5165\u8003\u91cf\uff0c\u4e26\u4f9d\u64da\u5e02\u5834\u8b8a\u5316\u52d5\u614b\u8abf\u6574\uff0c\u5e6b\u52a9\u6295\u8cc7\u4eba\u7a69\u5065\u61c9\u5c0d\u5404\u7a2e\u98a8\u96aa\u3002<br \/>\u2705 <strong>\u653e\u773c\u5168\u7403\u6a5f\u6703<\/strong>\uff1a\u6a5f\u5668\u4eba\u7406\u8ca1\u4e0d\u4fb7\u9650\u65bc\u55ae\u4e00\u5e02\u5834\uff0c\u800c\u662f\u6839\u64da\u6295\u8cc7\u76ee\u6a19\u914d\u7f6e\u5168\u7403\u8cc7\u7522\uff0c\u628a\u63e1\u4e0d\u540c\u5e02\u5834\u7684\u6210\u9577\u6a5f\u6703\uff0c\u63d0\u9ad8\u6295\u8cc7\u7d44\u5408\u7684\u5206\u6563\u5ea6\u8207\u7a69\u5065\u5ea6\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u8def\u4e0a\u6700\u6015\u8ff7\u5931\u65b9\u5411\uff0c<strong>\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/strong>\u5c31\u50cf\u4e00\u4f4d\u6295\u8cc7\u6559\u7df4\uff0c\u5e6b\u52a9\u6295\u8cc7\u4eba\u4fdd\u6301\u7d00\u5f8b\u3001\u63a7\u5236\u98a8\u96aa\u3001\u638c\u63e1\u6a5f\u6703\uff0c\u78ba\u4fdd\u6bcf\u4e00\u6b65\u90fd\u671d\u5411\u9577\u671f\u8ca1\u52d9\u76ee\u6a19\u9081\u9032\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n","protected":false},"excerpt":{"rendered":"<p>\u5df4\u83f2\u72792025\u5e74\u80a1\u6771\u4fe1\uff1a\u5766\u8aa0\u804a\u804a\u6295\u8cc7\u3001\u932f\u8aa4\u8207\u672a\u4f86 \u5df4\u83f2\u7279\u65bc 2025 \u5e74 2 \u6708 22 \u65e5\u767c\u8868\u4e86 2024 \u5e74 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":13296,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28,17],"tags":[],"class_list":["post-13333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-28","category-17"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/13333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=13333"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/13333\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/13296"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=13333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=13333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}