{"id":137,"date":"2017-06-09T11:14:00","date_gmt":"2017-06-09T03:14:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=137"},"modified":"2017-06-09T11:14:00","modified_gmt":"2017-06-09T03:14:00","slug":"%e6%83%b3%e8%a6%81%e6%9c%89%e5%80%8b%e5%a5%bd%e7%9a%84%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb-%e9%82%a3%e9%ba%bc%e5%b0%b1%e7%a5%88%e6%b1%82-%e8%82%a1%e5%b8%82-%e4%b8%8b%e8%b7%8c%e5%90%a7%ef%bc%81","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=137","title":{"rendered":"\u60f3\u8981\u6709\u500b\u597d\u7684\u9000\u4f11\u751f\u6d3b? \u90a3\u9ebc\u5c31\u7948\u6c42 \u80a1\u5e02 \u4e0b\u8dcc\u5427\uff01"},"content":{"rendered":"\n<p>\u300c\u7576\u4f60\u8cb7\u67d0\u500b\u6771\u897f\u7684\u6642\u5019\uff0c\u4f60\u4e0d\u662f\u6703\u5e0c\u671b\u50f9\u683c\u66f4\u4fbf\u5b9c\u800c\u4e0d\u662f\u66f4\u8cb4\u55ce\uff1f \u6240\u4ee5\uff0c\u5c0d\u4e00\u500b\u9577\u671f\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u7576 \u80a1\u5e02 \u4e0b\u8dcc\u7684\u6642\u5019\uff0c\u9019\u7576\u7136\u6703\u662f\u4e00\u500b\u597d\u6d88\u606f\u624d\u5c0d\uff01\u300d<br \/>\u2500\u2500\u300a\u6295\u8cc7\u7d42\u6975\u6230\u300b\uff08<em>Winning the Loser\u2019s Game<\/em>\uff09\u7684\u4f5c\u8005\uff0c\u4e5f\u88ab\u8b7d\u70ba\u83ef\u723e\u8857\u6700\u8070\u660e\u777f\u667a\u7684\u4eba\u58eb \u67e5\u723e\u65af\uff0e\u827e\u5229\u65af\uff08Charles D. Ellis\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u80a1\u5e02 \u5feb\u4e0b\u8dcc\u5427\uff01<\/strong><\/h3>\n\n\n\n<p>\u5c0d\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u7948\u6c42 \u80a1\u5e02 \u4e0b\u8dcc\u597d\u50cf\u5f88\u5947\u602a\uff0c\u5c0d\u5427\uff01\u4eba\u5011\u958b\u59cb\u6295\u8cc7\u4e86\u4ee5\u5f8c\u7e3d\u662f\u5e0c\u671b\u770b\u5230\u5e02\u5834\u662f\u4e0a\u6f32\u7684\uff0c\u4e0d\u5e0c\u671b\u770b\u5230\u5e02\u5834\u4e0b\u8dcc\uff0c\u9019\u6a23\u7684\u60f3\u6cd5\u5f88\u5bb9\u6613\u7406\u89e3\u4e5f\u5f88\u6b63\u5e38\uff0c\u7576\u4f60\u6295\u8cc7\u5f8c\u770b\u5230\u5e02\u5834\u4e0a\u6f32\u4e86\uff0c\u4f60\u770b\u5230\u4f60\u7684\u6295\u8cc7\u51fa\u73fe\u4e86\u7372\u5229\uff0c\u4f60\u5c31\u7522\u751f\u4e86\u4fe1\u5fc3\u3002\u53cd\u4e4b\uff0c\u7576\u4f60\u6295\u8cc7\u4e86\u4ee5\u5f8c\uff0c\u5e02\u5834\u4e0b\u8dcc\u4e86\uff0c\u4f60\u770b\u5230\u7684\u662f\u8667\u640d\uff0c\u81ea\u7136\u5c31\u7522\u751f\u4e86\u8ca0\u9762\u7684\u60f3\u6cd5\uff0c\u4f46\u662f\u6295\u8cc7\u8981\u7372\u5229\u91cd\u9ede\u4e26\u4e0d\u5728\u65bc\u5e02\u5834\u662f\u4e0a\u6f32\u9084\u662f\u4e0b\u8dcc\u7684\uff0c\u56e0\u70ba\u5e02\u5834\u4e26\u4e0d\u6703\u6c38\u9060\u90fd\u4e0a\u6f32\u6216\u4e0b\u8dcc\uff0c\u771f\u6b63\u7684\u91cd\u9ede\u5728\u65bc\u4e0a\u6f32\u8207\u4e0b\u8dcc\u7684\u9806\u5e8f\u3002<\/p>\n\n\n\n<p>\u8981\u89e3\u91cb\u9019\u4e00\u9ede\uff0c\u6211\u5011\u5148\u4f86\u770b\u4e00\u500b\u5047\u8a2d\u7684\u4f8b\u5b50\uff0c\u5047\u8a2d\u4f60\u6295\u8cc7\u4e86 4 \u5e74\uff0c\u7b2c 1 \u5e74\u5230\u7b2c 4 \u5e74\u7684\u6295\u8cc7\u5831\u916c\u7387\u5206\u5225\u662f 15\uff05\u3001-10\uff05\u30016\uff05\u3001-5\uff05\uff0c\u73fe\u5728\u5982\u679c\u9806\u5e8f\u985b\u5012\u904e\u4f86\uff0c\u7b2c 1 \u5e74\u5230\u7b2c 4 \u5e74\u7684\u6295\u8cc7\u5831\u916c\u7387\u5206\u5225\u70ba -5\uff05\u30016\uff05\u3001-10\uff05\u300115\uff05\uff0c\u8acb\u554f\u4f60\u89ba\u5f97\u4f60\u7684\u6295\u8cc7\u5831\u916c\u7387\u6703\u4e0d\u6703\u76f8\u540c? \u7b54\u6848\u662f\uff1a\u300c\u4e0d\u4e00\u5b9a\uff01\u300d\uff0c\u8981\u770b\u4f60\u6295\u8cc7\u7684\u60c5\u6cc1\uff0c\u5982\u679c\u4f60\u662f\u6574\u7b46\u7684\u6295\u8cc7\uff0c\u4f8b\u5982\uff1a\u4e00\u958b\u59cb\u6295\u8cc7\u4e86 50 \u842c\uff0c\u4e4b\u5f8c\u5c31\u6c92\u6709\u518d\u589e\u52a0\u4efb\u4f55\u7684\u91d1\u984d\uff0c\u90a3\u9ebc\u4e0d\u8ad6\u9806\u5e8f\u70ba\u4f55\uff0c\u4f60\u7684\u6295\u8cc7\u5831\u916c\u7387\u90fd\u6703\u662f\u76f8\u540c\u7684\uff0c\u4e0d\u76f8\u4fe1\u7684\u8a71\u4f60\u53ef\u4ee5\u81ea\u5df1\u9a57\u7b97\u4e00\u4e0b\u5c31\u77e5\u9053\u4e86\u3002\u4f46\u5982\u679c\u4f60\u9664\u4e86\u4e00\u958b\u59cb\u6295\u8cc7\u7684 50 \u842c\uff0c\u4e4b\u5f8c\u6bcf\u5e74\u53c8\u589e\u52a0 20 \u842c\u7684\u6295\u8cc7\u9032\u53bb\uff0c\u90a3\u9ebc\u6b64\u6642\u60c5\u6cc1\u5c31\u4e0d\u540c\uff0c\u6295\u8cc7\u5831\u916c\u7387\u7684\u9806\u5e8f\u5c31\u6703\u6709\u5f88\u5927\u7684\u5f71\u97ff\u4e86\uff0c\u5728\u9019\u7a2e\u60c5\u6cc1\u6642\uff0c\u6295\u8cc7\u7684\u524d\u5e7e\u5e74\u4f60\u6703\u5e0c\u671b \u80a1\u5e02 \u662f\u4e0b\u8dcc\u7684\uff0c\u800c\u5e0c\u671b \u80a1\u5e02 \u4e0a\u6f32\u7684\u5e74\u4efd\u662f\u767c\u751f\u5728\u5f8c\u9762\u5e7e\u5e74\u3002<\/p>\n\n\n\n<p>\u5728&nbsp;<strong><a href=\"https:\/\/ofdollarsanddata.com\/the-end-is-everything-56a0a19527b6\">Of dollars and data<\/a>&nbsp;<\/strong>\u9019\u500b\u7db2\u7ad9\u4e2d\u6709\u4e00\u7bc7\u6587\u7ae0\uff0c\u88e1\u9762\u4e00\u5f35\u5f88\u68d2\u7684\u793a\u610f\u5716\u53ef\u4ee5\u8b93\u4f60\u66f4\u6e05\u695a\u9019\u5169\u8005\u7684\u5340\u5225\uff0c\u5047\u8a2d\u4f60\u6bcf\u5e74\u90fd\u6295\u8cc7 5,000 \u5143\uff0c\u6295\u8cc7\u4e86 20 \u5e74\uff0c\u5176\u4e2d\u6709 10 \u5e74\u7684\u6295\u8cc7\u5831\u916c\u7387\u90fd\u70ba +10\uff05\uff0c\u53e6\u5916 10 \u5e74\u7684\u6295\u8cc7\u5831\u916c\u7387\u90fd\u70ba -10\uff05\uff0c\u5047\u5982 -10\uff05 \u7684\u60c5\u6cc1\u90fd\u767c\u751f\u5728\u524d 10 \u5e74\uff0c\u800c +10\uff05 \u7684\u60c5\u6cc1\u767c\u751f\u5728\u5f8c 10 \u5e74\uff0c\u90a3\u9ebc\u4f60\u8cc7\u91d1\u7684\u8b8a\u5316\u5c31\u5982\u540c\u5de6\u908a\u9019\u5f35\u5716\u3002\u53cd\u4e4b\uff0c\u5982\u679c +10\uff05 \u7684\u60c5\u6cc1\u662f\u767c\u751f\u5728\u524d 10 \u5e74\uff0c\u800c -10\uff05\u7684\u60c5\u6cc1\u662f\u767c\u751f\u5728\u5f8c 10 \u5e74\uff0c\u90a3\u9ebc\u4f60\u8cc7\u91d1\u7684\u8b8a\u5316\u5c31\u5982\u540c\u662f\u53f3\u908a\u7684\u60c5\u6cc1\uff0c\u5f9e\u5716\u4e2d\u7684\u8b8a\u5316\u4f60\u53ef\u4ee5\u6e05\u695a\u7684\u770b\u5230\uff0c\u4f60\u7576\u7136\u6703\u5e0c\u671b\u81ea\u5df1\u7684\u6295\u8cc7\u662f\u5de6\u908a\u9019\u7a2e\u800c\u4e0d\u662f\u53f3\u908a\uff0c\u5169\u8005\u7684\u5dee\u7570\u662f\u5f88\u5927\u7684\uff01<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/1.bp.blogspot.com\/-00xLht8tlfI\/WS9csUp5ndI\/AAAAAAAAH5k\/b2TUr6xBEHg-Q83VzJbckhfPphWgqEU-wCLcB\/s1600\/1-HMKxQKAKJBcRwD8cn-faaA.gif\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u4e0a\u9762\u7684\u5716\u6e05\u695a\u7684\u544a\u8a34\u4e86\u6211\u5011\uff0c\u5982\u679c\u6211\u5011\u7684\u6295\u8cc7\u662f\u70ba\u4e86\u67d0\u500b\u9577\u671f\u7684\u76ee\u6a19\uff08\u4f8b\u5982\uff1a\u9000\u4f11\uff09\uff0c\u4e14\u525b\u958b\u59cb\u6295\u8cc7\u7684\u6642\u5019\uff0c\u6211\u5011\u7684\u8cc7\u91d1\u4e26\u6c92\u6709\u90a3\u9ebc\u5145\u8db3\uff0c\u6240\u4ee5\u4e4b\u5f8c\u6bcf\u5e74\u6211\u5011\u9084\u6703\u518d\u589e\u52a0\u4e00\u4e9b\u8cc7\u91d1\u5230\u6295\u8cc7\u7d44\u5408\u88e1\u9762\u3002\u5728\u9019\u7a2e\u60c5\u6cc1\u4e0b\uff0c\u5982\u679c\u4f60\u5728\u6295\u8cc7\u7684\u524d\u534a\u6bb5\u6642\u9593\uff0c\u80a1\u5e02\u662f\u4e0a\u6f32\u7684\uff0c\u5176\u5be6\u5c0d\u4f60\u7684\u9577\u9060\u76ee\u6a19\u662f\u4e0d\u5229\u7684\uff0c\u4e00\u65b9\u9762\u662f\u56e0\u70ba\u4f60\u7684\u6295\u8cc7\u8cc7\u91d1\u9084\u4e0d\u662f\u5f88\u591a\uff0c\u6240\u4ee5\u80a1\u5e02\u4e0a\u6f32\u5c0d\u4f60\u6574\u9ad4\u6295\u8cc7\u7d44\u5408\u7684\u5e6b\u52a9\u4e26\u4e0d\u662f\u5f88\u5927\uff1b\u53e6\u4e00\u65b9\u9762\uff0c\u524d\u534a\u6bb5\u5982\u679c\u5927\u591a\u6642\u5019 \u80a1\u5e02 \u662f\u4e0a\u6f32\u7684\uff0c\u4ee3\u8868\u5f8c\u534a\u6bb5\u6642\u9593 \u80a1\u5e02 \u53ef\u80fd\u4e0b\u8dcc\u7684\u6642\u5019\u5c45\u591a\uff0c\u9019\u5c0d\u4f60\u5c31\u662f\u4e0d\u5229\u7684\uff0c\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u73fe\u5728\u8ddd\u96e2\u4f60\u7684\u9577\u671f\u6295\u8cc7\u76ee\u6a19\u9084\u6709\u8f03\u9577\u7684\u6642\u9593\u7684\u8a71\uff0c\u90a3\u9ebc\u7576\u4f60\u73fe\u5728\u770b\u5230 \u80a1\u5e02 \u4e0b\u8dcc\u6642\uff0c\u4f60\u61c9\u8a72\u662f\u8981\u611f\u5230\u9ad8\u8208\uff0c\u4e0b\u8dcc\u8d8a\u591a\u4f60\u61c9\u8a72\u8981\u8d8a\u958b\u5fc3\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u83ef\u723e\u8857\u65e5\u5831\u7684\u77e5\u540d\u8ca1\u7d93\u5c08\u6b04\u4f5c\u5bb6&nbsp;\u5091\u68ee\uff0e\u8332\u5a01\u683c\uff08<strong><a href=\"http:\/\/jasonzweig.com\/wall-streets-wisest-man\/\">Jason Zweig<\/a><\/strong>\uff09<strong>&nbsp;<\/strong>\u66fe\u8aaa\uff0c\u4ed6\u5e0c\u671b\u6709\u4e00\u5929\u80fd\u5920\u770b\u5230\u7576 \u80a1\u5e02 \u4e0b\u8dcc\u7684\u6642\u5019\uff0c\u6709\u5a92\u9ad4\u80fd\u5920\u5c07\u9019\u500b\u8a0a\u606f\u7576\u6210\u597d\u6d88\u606f\u4f86\u64ad\u5831\uff0c\u800c\u4e0d\u662f\u50cf\u73fe\u5728\u9019\u6a23\u90fd\u8996\u70ba\u58de\u6d88\u606f\uff01<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u6ce8\u610f\u8cc7\u7522\u914d\u7f6e\u72c0\u6cc1<\/strong><\/h4>\n\n\n\n<p>\u4e0a\u5716\u540c\u6642\u4e5f\u6e05\u695a\u7684\u544a\u8a34\u6211\u5011\uff0c\u5982\u679c\u4f60\u73fe\u5728\u7684\u6295\u8cc7\u671f\u9593\u5df2\u7d93\u63a5\u8fd1\u4f60\u7684\u9577\u671f\u6295\u8cc7\u76ee\u6a19\u6642\uff0c\u4f8b\u5982\u5269\u4e0b 2\uff5e3 \u5e74\u5c31\u5df2\u7d93\u5230\u4e86\u9000\u4f11\u7684\u5e74\u9f61\uff0c\u90a3\u9ebc\u6b64\u6642\u4f60\u7576\u7136\u6703\u5e0c\u671b\u770b\u5230\u5c07\u4f86 \u80a1\u5e02 \u662f\u4e0a\u6f32\u800c\u4e0d\u662f\u4e0b\u8dcc\u7684\uff0c\u56e0\u70ba\u842c\u4e00\u5c07\u4f86\u78b0\u5230 \u80a1\u5e02 \u5927\u8dcc\uff08\u4f8b\u5982\uff1a2008 \u5e74\u91d1\u878d\u6d77\u562f\u7684\u60c5\u6cc1\uff09\uff0c\u90a3\u9ebc\u4f60\u904e\u53bb\u8f9b\u8f9b\u82e6\u82e6\u9577\u671f\u6240\u7d2f\u7a4d\u7684\u8cc7\u7522\u53ef\u80fd\u5c31\u6703\u7522\u751f\u5f88\u5927\u7684\u8667\u640d\u3002\u4f46\u80a1\u5e02\u6703\u4e0a\u6f32\u6216\u662f\u4e0b\u8dcc\u4e26\u4e0d\u662f\u6211\u5011\u80fd\u5920\u63a7\u5236\u7684\uff0c\u6211\u5011\u80fd\u5920\u63a7\u5236\u7684\u662f\u81ea\u5df1\u6295\u8cc7\u7d44\u5408\u4e2d\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u5982\u679c\u4f60\u5df2\u7d93\u5feb\u5230\u4e86\u9577\u671f\u6295\u8cc7\u76ee\u6a19\u6642\u9593\uff0c\u70ba\u4e86\u907f\u514d\u5c07\u4f86\u78b0\u5230\u80a1\u5e02\u6709\u8f03\u5927\u5e45\u5ea6\u7684\u4e0b\u8dcc\uff0c\u96a8\u8457\u6642\u9593\u7684\u63a5\u8fd1\uff0c\u4f60\u5c31\u61c9\u8a72\u8981\u958b\u59cb\u589e\u52a0\u6295\u8cc7\u7d44\u5408\u4e2d\u50b5\u5238\u7684\u6bd4\u7387\uff0c\u5230\u4e86\u5269\u4e0b 2\uff5e3 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