{"id":1394,"date":"2020-03-17T16:00:00","date_gmt":"2020-03-17T08:00:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1394"},"modified":"2020-03-17T16:00:00","modified_gmt":"2020-03-17T08:00:00","slug":"%e5%a6%82%e6%9e%9c%e4%bd%a0%e5%9c%a8%e8%82%a1%e5%b8%82%e4%b8%8b%e8%b7%8c%e6%99%82%e8%84%ab%e6%89%8b%e8%82%a1%e7%a5%a8%e6%8f%9b%e7%8f%be%e9%87%91%ef%bc%8c%e4%bd%a0%e6%9c%83%e5%9b%a0%e6%ad%a4%e4%bb%98","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1394","title":{"rendered":"2025\u5e74\u5982\u679c\u4f60\u5728\u80a1\u5e02\u4e0b\u8dcc\u6642\u812b\u624b\u80a1\u7968\u63db\u73fe\u91d1\uff0c\u4f60\u6703\u56e0\u6b64\u4ed8\u51fa\u4ee3\u50f9\uff01"},"content":{"rendered":"\n<p>\u6295\u8cc7\u539f\u5247\u5f88\u7c21\u55ae\uff0c\u4f46\u5be6\u969b\u57f7\u884c\u537b\u4e0d\u7c21\u55ae\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u5168\u7403\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c2019\u5e74\u597d\u4e8b\u9023\u9023\uff0c\u5831\u916c\u4eae\u773c\uff0c\u4f46\u5230\u4e862020\u5e74\u7b2c\u4e00\u5b63\u9084\u6c92\u8d70\u5b8c\uff0c\u5831\u916c\u537b\u8d77\u4f0f\u4e0d\u5b9a\uff0c\u8a31\u591a\u6295\u8cc7\u4eba\u4e00\u7247\u6101\u96f2\u6158\u9727\u3002<\/p>\n\n\n\n<p>\u96a8\u8457\u51a0\u72c0\u75c5\u6bd2\uff08COVID-19\uff09\u7684\u75ab\u60c5\u4e0d\u65b7\u50b3\u64ad\uff0c\u57282\u670819\u65e5\u81f33\u670811\u65e5\u7684\u4e09\u9031\u9593\uff0c\u7f8e\u570b\u9053\u74ca\u6307\u6578\u548c\u6a19\u6e96\u666e\u723e500\u6307\u6578\u8dcc\u5165\u718a\u5e02\u3002<\/p>\n\n\n\n<p>2020\u5e743\u670815\u65e5\uff0c\u7f8e\u570b\u806f\u6e96\u6703\u70ba\u4e86\u7a69\u5b9a\u5e02\u5834\u518d\u6b21\u7dca\u6025\u964d\u606f4\u78bc\uff0c\u4e26\u555f\u52d57,000\u5104\u7f8e\u5143\u7684\u91cf\u5316\u5bec\u9b06\u63aa\u65bd\u3002<\/p>\n\n\n\n<p>\u7121\u5948\u5e02\u5834\u4ecd\u7136\u9677\u5165\u6050\u614c\uff0c\u829d\u52a0\u54e5\u671f\u6b0a\u4ea4\u6613\u6240\u6ce2\u52d5\u7387\u6307\u6578\uff08VIX\uff0cCBOE Volatility Index\uff09\u5275\u4e0b\u4e00\u5e74\u4f86\u65b0\u9ad8\uff0c3\u670816\u65e5\u7f8e\u570b\u6a19\u666e\u4e94\u767e\u6307\u6578\u55ae\u65e5\u4e0b\u8dcc11.98%\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6301\u6709\u5ee3\u6cdb\u5206\u6563\u5e02\u5834\u6307\u6578\u662f\u76f8\u5c0d\u660e\u667a\u7684\u9078\u64c7<\/h2>\n\n\n\n<p>\u75ab\u60c5\u5c0d\u7522\u696d\u7684\u5f71\u97ff\u90e8\u5206\uff0c\u5168\u7403\u70ba\u4e86\u9632\u5835COVID-19\u75c5\u6bd2\u7684\u64f4\u6563\uff0c\u6240\u63a1\u53d6\u7684\u63aa\u65bd\u5df2\u7d93\u5c0d\u5e02\u5834\u7522\u751f\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u300a<a href=\"https:\/\/www.advisorperspectives.com\/dshort\/updates\/2020\/03\/16\/updated-the-effect-of-coronavirus-on-key-market-sectors\">Advisor Perspectives<\/a>\u300b\u7db2\u7ad9\u5f59\u6574\u4e862\u670821\u65e5\u4ee5\u4f86\uff0c\u7f8e\u570b\u5404\u4e3b\u8981ETF\u5e02\u5834\u9818\u57df\u548c\u6a19\u666e\u4e94\u767e\u6307\u6578\u7684\u5206\u6790\u3002<\/p>\n\n\n\n<p>\u5716\u4e2d\u4e0d\u540c\u984f\u8272\u7684\u7dda\u689d\u4ee3\u8868\u4e0d\u540c\u9818\u57df\u76848\u6a94ETF\u81ea2\u670821\u65e5\u4ee5\u4f86\u7684\u50f9\u683c\u8b8a\u5316\uff0c\u5982\u5716\u6240\u793a\uff1a\u6d88\u8cbb\u3001\u91ab\u7642\u3001\u79d1\u6280\u7b49\u4e09\u5927\u985e\u7522\u696d\u8dcc\u5e45\u5c0f\u65bc\u6a19\u666e\u4e94\u767e\u6307\u6578\uff0c\u5448\u73fe\u76f8\u5c0d\u6297\u8dcc\u7684\u60c5\u52e2\uff1b\u800c\u96f6\u552e\u3001\u5a1b\u6a02\u3001\u822a\u7a7a\u3001\u80fd\u6e90\u3001\u9152\u5e97\u696d\u5247\u53d7\u5bb3\u8f03\u56b4\u91cd\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.advisorperspectives.com\/images\/content_image\/data\/d7\/d79346ec48e7292f2729710e36880fe5.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u5018\u82e5\u6301\u80a1\u904e\u5ea6\u96c6\u4e2d\u91cd\u707d\u7684\u7522\u696d\uff0c\u6295\u7d44\u7684\u6ce2\u52d5\u5c07\u96e3\u4ee5\u627f\u53d7\uff0c\u5373\u4f7f\u662f\u76f8\u5c0d\u6297\u8dcc\u7684\u7522\u696d\uff0c\u4ecd\u7121\u53ef\u907f\u514d\u9762\u81e8\u8667\u640d\uff0c\u56e0\u6b64\u7684\u9078\u64c7\u5ee3\u6cdb\u5206\u6563\u5e02\u5834\u6307\u6578\u662f\u76f8\u5c0d\u660e\u667a\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0d\u8981\u4f9d\u64da\u5e02\u5834\u8b8a\u5316\u51fa\u6e05\u80a1\u7968\u8b8a\u63db\u73fe\u91d1<\/h2>\n\n\n\n<p>\u4f60\u53ef\u80fd\u807d\u8aaa\u904e\u6709\u4e9b\u4eba\u8aaa\uff0c\u5728\u5e02\u5834\u9084\u4e0d\u660e\u78ba\u6642\u61c9\u8a72\u8981\u300c\u51fa\u6e05\u6301\u80a1\uff0c\u63db\u6210\u73fe\u91d1\u300d\uff0c\u9019\u4e26\u4e0d\u7406\u667a\u3002<\/p>\n\n\n\n<p>\u70ba\u4ec0\u9ebc\uff1f\u70ba\u4ec0\u9ebc\u4e0d\u63db\u6210\u73fe\u91d1\uff1f<\/p>\n\n\n\n<p>\u56e0\u70ba\u9019\u901a\u5e38\u662f\u51fa\u65bc\u60c5\u7dd2\u6240\u505a\u51fa\u7684\u6c7a\u5b9a\uff0c\u8f03\u660e\u667a\u7684\u505a\u6cd5\u662f\u5148\u56de\u60f3\u4e00\u4e0b\u81ea\u5df1\u7684\u6295\u8cc7\u76ee\u6a19\u4ee5\u53ca\u6295\u8cc7\u8a08\u756b\u3002<\/p>\n\n\n\n<p>Vanguard\u7684\u91d1\u878d\u9867\u554f\u5091\u897f\u5361\u00b7\u9ea5\u514b\u5e03\u8cf4\u5fb7\uff08Jessica McBride\uff0cCFP\uff09\u8868\u793a\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u8f49\u6301\u73fe\u91d1\u300c\u4e0d\u662f\u4e00\u9805\u6295\u8cc7\u7b56\u7565\u300d<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Moving to cash is not a strategy\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/kkMD76K_u4s?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>\u73fe\u91d1\u6240\u626e\u6f14\u7684\u8173\u8272\u61c9\u8a72\u662f\u4f60\u7684\u6025\u7528\u91d1\uff0c\u7528\u4f86\u89e3\u6c7a\u7dca\u6025\u7684\u8cc7\u91d1\u9700\u6c42\uff0c\u6216\u662f\u652f\u4ed8\u5373\u5c07\u4e00\u5169\u5e74\u8981\u7528\u5230\u7684\u751f\u6d3b\u8cbb\u3002<\/p>\n\n\n\n<p>\u73fe\u91d1\u4e0d\u8a72\u662f\u4e00\u9805\u4e3b\u8981\u7684\u9577\u671f\u6295\u8cc7\u7b56\u7565\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u7b56\u7565\uff0c\u61c9\u8a72\u662f\u6240\u8b02\u7684\u300c\u8cb7\u9032\u6301\u6709\u518d\u5e73\u8861\u300d\uff08Buy and Hold Rebalance\uff09\u3002<\/p>\n\n\n\n<p>\u70ba\u4ec0\u9ebc\u4e0d\u8a72\u4f9d\u64da\u5e02\u5834\u72c0\u6cc1\u96a8\u610f\u9032\u51fa\u5834\uff1f<\/p>\n\n\n\n<p>\u56e0\u70ba\u9023\u5168\u7403\u6700\u5927\u907f\u96aa\u57fa\u91d1\u96c6\u5718\u6a4b\u6c34\u6295\u8cc7\u516c\u53f8\uff08Bridgewater Associate\uff09\u5275\u8fa6\u4eba\u9054\u91cc\u6b50\uff08Ray Dalio\uff09\u90fd\u5766\u8a00\u4ed6\u4e26\u672a\u8eb2\u904e\u9019\u6b21\u80a1\u707d\uff0c\u6211\u5011\u66f4\u80fd\u77e5\u9053\u9810\u6e2c\u5e02\u5834\u76f8\u7576\u56f0\u96e3\u3002<\/p>\n\n\n\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u6211\u5011\u4e26\u4e0d\u77e5\u9053\u5e02\u5834\u77ed\u671f\u7684\u8d70\u52e2\u5982\u4f55\uff0c\u5047\u5982\u4f60\u63db\u6210\u73fe\u91d1\u4e4b\u5f8c\u99ac\u4e0a\u9762\u81e8\u7684\u554f\u984c\u662f\u2500\u300c<strong>\u4f55\u6642\u624d\u8981\u56de\u5230\u5e02\u5834\u7576\u4e2d\uff1f<\/strong>\u300d<\/p>\n\n\n\n<p>\u4e0d\u8981\u53bb\u9810\u6e2c\u5e02\u5834\u4f55\u6642\u843d\u5e95\uff0c\u9019\u4e0d\u662f\u4e00\u4ef6\u503c\u5f97\u53bb\u505a\u7684\u4e8b\u60c5\uff0c\u6295\u8cc7\u4eba\u61c9\u8a72\u8981\u5c08\u6ce8\u5728\u81ea\u5df1\u7684\u6295\u8cc7\u8a08\u5283\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u627f\u64d4\u718a\u5e02\uff0c\u9019\u662f\u5e02\u5834\u7684\u6b63\u5e38\u73fe\u8c61<\/h2>\n\n\n\n<p>\u5f9e\u4e0b\u9762\u7684\u5716\u8868\u4e2d\u53ef\u4ee5\u770b\u5230\uff0c\u81ea1965\u5e74\u4ee5\u4f86\uff0c\u767c\u751f\u904e\u4e8616\u6b21\u7684\u5e02\u5834\u4fee\u6b63\uff08\u5b9a\u7fa9\u70ba\u76f8\u5c0d\u9ad8\u9ede\u4e0b\u8dcc10\uff05\uff09\u548c12\u500b\u718a\u5e02\u3002<\/p>\n\n\n\n<p>\u9ec3\u8272\u5340\u584a\u70ba\u718a\u5e02\uff0c\u7d05\u8272\u90e8\u5247\u70ba\u5e02\u5834\u4fee\u6b63\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/blog.wealthfront.com\/wp-content\/uploads\/2020\/03\/graph-revised-880x530.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u4e0b\u9762\u5169\u5f35\u5716\u8868\u986f\u793a\u4e86\u6bcf\u6b21\u4fee\u6b63\u7684\u5e45\u5ea6\u4ee5\u53ca\u5e02\u5834\u6062\u5fa9\u6240\u82b1\u8cbb\u7684\u6642\u9593\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e02\u5834\u4fee\u6b63\u5e73\u5747\u9700\u8981\u56db\u500b\u6708\u624d\u80fd\u6062\u5fa9<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.wealthfront.com\/wp-content\/uploads\/2020\/03\/SP-500-Corrections-Declines-Greater-Than-10-But-Less-Than-20-1965-2019-580x530.jpg\" alt=\"\"\/><figcaption class=\"wp-element-caption\">\u4fee\u6b63\u6062\u5fa9\u6642\u9593 \u8cc7\u6599\u4f86\u6e90\uff1aWealthfront<\/figcaption><\/figure>\n\n\n\n<p>\u5f9e\u5e02\u5834\u4fee\u6b63\u4e2d\u6062\u5fa9\u7684\u5e73\u5747\u6642\u9593\u662f126\u5929\uff0c\u5927\u7d04\u662f\u56db\u500b\u6708\u5de6\u53f3\u3002<\/p>\n\n\n\n<p>\u56db\u500b\u6708\u5c0d\u65bc\u6a19\u6e96\u9577\u671f\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u6240\u82b1\u8cbb\u7684\u6642\u9593\u4e26\u4e0d\u9577\uff0c\u7814\u7a76\u6a5f\u69cbDALBAR\u4e5f\u767c\u73fe\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u53ea\u8981\u7576\u5e02\u5834\u4e0b\u8dcc\uff0c\u6563\u6236\u6295\u8cc7\u4eba\u5c31\u6703\u4e0d\u65b7\u5730\u60f3\u64a4\u51fa\u5e02\u5834\uff0c\u9019\u6a23\u7684\u6295\u8cc7\u6c7a\u7b56\u5e73\u5747\u8b93\u4ed6\u5011\u4ed8\u51fa\u9ad8\u90543.5\uff05\u7684\u4ee3\u50f9<\/strong>\u3002<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">\u718a\u5e02\u5e73\u5747\u9700\u898121\u500b\u6708\u624d\u80fd\u6062\u5fa9\uff0c\u4f46\u4f34\u96a8\u8457\u5f88\u597d\u7684\u6a5f\u6703<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.wealthfront.com\/wp-content\/uploads\/2020\/03\/SP-500-Bear-Markets-Declines-Greater-Than-20-1965-2019-728x530.jpg\" alt=\"\"\/><figcaption class=\"wp-element-caption\">\u718a\u5e02\u6062\u5fa9\u6642\u9593 Source: Wealthfront<\/figcaption><\/figure>\n\n\n\n<p>\u718a\u5e02\u5247\u9700\u8981\u6bd4\u4fee\u6b63\u6642\u9593\u66f4\u9577\u7684\u6642\u9593\u624d\u80fd\u6062\u5fa9\uff0c\u5e73\u5747\u6062\u5fa9\u6642\u9593\u70ba637\u5929\uff08\u7d0421\u500b\u6708\uff09\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u597d\u6d88\u606f\u662f\uff0c\u5982\u679c\u60a8\u5728\u718a\u5e02\u4e4b\u5f8c\u7e7c\u7e8c\u6295\u8cc7\uff0c\u90a3\u9ebc\u5728\u63a5\u4e0b\u4f86\u76841.7\u5e74\u4e2d\uff0c\u5e73\u5747\u53ef\u4ee5\u7372\u5f97\u8d85\u904e20\uff05\u7684\u5831\u916c\uff0c\u9019\u662f\u975e\u5e38\u8a98\u4eba\u7684\u56de\u5831\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9762\u5c0d\u5e02\u5834\u6ce2\u52d5\uff0c\u8981\u4fdd\u6301\u4f60\u7684\u76ee\u6a19\u4ee5\u53ca\u6295\u8cc7\u8a08\u5283<\/h2>\n\n\n\n<p>\u5c0d\u65bc\u4e0b\u8dcc\uff0c\u4f60\u8a72\u95dc\u6ce8\u7684\u662f\u80fd\u4e0d\u80fd\u7e7c\u7e8c\u6295\u5165\uff0c\u6efe\u5927\u672c\u91d1\uff0c\u4ee5\u53ca\u5c0d\u65bc\u539f\u672c\u8a2d\u5b9a\u7684\u6295\u8cc7\u8a08\u756b\uff0c\u8981\u5805\u6301\u4e0b\u53bb\u3002<\/p>\n\n\n\n<p>\u8981\u76f8\u4fe1\u5404\u884c\u5404\u696d\u7684\u4eba\u5011\u6b63\u5728\u596e\u9b25\u8457\u3002<\/p>\n\n\n\n<p>\u4eba\u5011\u4e26\u4e0d\u6703\u5750\u4ee5\u5f85\u6583\uff0c\u653f\u5e9c\u6a5f\u69cb\u7684\u6bcf\u4e00\u500b\u90e8\u5206\u6b63\u5728\u50be\u570b\u5bb6\u4e4b\u529b\u5168\u529b\u904b\u8f49\uff0c\u9632\u6b62\u64f4\u6563\u3002<\/p>\n\n\n\n<p>\u300c<a href=\"https:\/\/www.mohw.gov.tw\/cp-16-51391-1.html\">\u570b\u885b\u9662\u5728\u4e8c\u6708\u5df2\u52a0\u901f\u91dd\u5c0d\u65b0\u578b\u51a0\u72c0\u75c5\u6bd2\u9032\u884c\u75ab\u82d7\u7684\u7814\u767c<\/a>\u300d\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow 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