{"id":1427,"date":"2020-06-22T17:09:00","date_gmt":"2020-06-22T09:09:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1427"},"modified":"2020-06-22T17:09:00","modified_gmt":"2020-06-22T09:09:00","slug":"%e9%98%b2%e5%ae%88%e8%b4%8f%e5%be%97%e7%b8%bd%e5%86%a0%e8%bb%8d%ef%bc%81","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1427","title":{"rendered":"\u9632\u5b88\u8d0f\u5f97\u7e3d\u51a0\u8ecd\uff01"},"content":{"rendered":"\n<p>\u6b77\u5c46\u7f8e\u570b\u8077\u7c43NBA\u596a\u51a0\u968a\u4f0d\uff0c\u4e0d\u96e3\u767c\u73fe\u90fd\u6709\u4e00\u500b\u5171\u901a\u9ede\uff0c\u9664\u4e86\u512a\u7570\u7684\u9032\u653b\u5916\uff0c\u9019\u4e9b\u968a\u4f0d\u5728\u9632\u5b88\u4e0a\u4e5f\u4e0b\u8db3\u4e86\u5de5\u592b\u3002\u300c\u9632\u5b88\u8d0f\u5f97\u7e3d\u51a0\u8ecd\uff01\u300d\u9019\u662f\u7c43\u7403\u5834\u4e0a\u7684\u7d93\u5178\u540d\u8a00\u3002\u9632\u5b88\u662f\u7c43\u7403\u6bd4\u8cfd\u4e2d\u91cd\u8981\u7684\u4e00\u74b0\uff0c\u76f8\u5c0d\u65bc\u9032\u653b\u83ef\u9e97\u7684\u53ef\u89c0\u8cde\u6027\uff0c\u9632\u5b88\u8f03\u70ba\u6c89\u60b6\uff0c\u4f46\u537b\u662f\u7403\u968a\u80fd\u5426\u7372\u52dd\u7684\u91cd\u8981\u95dc\u9375\u3002\u300c\u9032\u653b\u6703\u5931\u5e38\uff0c\u4f46\u9632\u5b88\u4e0d\u6703\uff01\u300d\u597d\u7684\u9632\u5b88\u7e3d\u80fd\u5728\u7403\u968a\u9032\u653b\u5931\u5e38\u6642\u63d0\u4f9b\u7a69\u5b9a\u7403\u968a\u7684\u529b\u91cf\uff0c\u7576\u5c0d\u624b\u5f97\u4e0d\u4e86\u5206\uff0c\u5c31\u6c92\u8fa6\u6cd5\u5c0d\u4f60\u9020\u6210\u56b4\u91cd\u7684\u50b7\u5bb3\uff0c\u53ea\u8981\u7b49\u5f85\u7403\u968a\u9032\u653b\u7aef\u7684\u624b\u611f\u56de\u4f86\uff0c\u5f80\u5f80\u5c31\u80fd\u6709\u518d\u6b21\u8d85\u8d8a\u5c0d\u624b\u7684\u6a5f\u6703\u3002<br \/>\u6295\u8cc7\u7d44\u5408\u7684\u5efa\u69cb\u5c31\u50cf\u7d44\u4e00\u652f\u7c43\u7403\u968a\uff0c\u80a1\u7968\u8207\u50b5\u5238\u5206\u5225\u8ca0\u8cac\u9032\u653b\u8207\u9632\u5b88\uff0c\u5c0d\u624b\u5c31\u662f\u5e02\u5834\u6ce2\u52d5\uff0c\u800c\u8ca1\u52d9\u76ee\u6a19\u5c31\u662f\u5922\u5bd0\u4ee5\u6c42\u7684\u7e3d\u51a0\u8ecd\u3002\u8a31\u591a\u4eba\u5728\u5efa\u69cb\u6295\u8cc7\u7d44\u5408\u6642\uff0c\u5e38\u5e38\u6703\u6709\u9019\u6a23\u7684\u7591\u554f\uff1a\u300c\u70ba\u4ec0\u9ebc\u8981\u5728\u6295\u8cc7\u7d44\u5408\u4e2d\u52a0\u5165\u50b5\u5238\uff1f\u300d\u9019\u500b\u554f\u984c\u653e\u5728\u7c43\u7403\u5834\u4e0a\u5176\u5be6\u5c31\u597d\u50cf\uff1a\u300c\u70ba\u4ec0\u9ebc\u7c43\u7403\u968a\u9700\u8981\u9632\u5b88\uff1f\u300d\u7b54\u6848\u5f88\u7c21\u55ae\uff1a\u300c\u56e0\u70ba\u4f60\u4e0d\u77e5\u9053\u54ea\u4e00\u5929\u4f60\u7684\u9032\u653b\u6703\u5931\u5e38\u3002\u300d\u9577\u671f\u6301\u6709\u80a1\u7968\u5e02\u5834\u7684\u5831\u916c\u7387\u5f80\u5f80\u512a\u65bc\u50b5\u5238\u5e02\u5834\uff0c\u90a3\u662f\u4e0d\u662f\u5c31\u53ef\u4ee5\u6368\u68c4\u50b5\u5238\u5e02\u5834\uff0c\u5168\u90e8\u6295\u5165\u80a1\u7968\u5e02\u5834\u4ee5\u8cfa\u53d6\u66f4\u591a\u7684\u5831\u916c\u5462\uff1f\u4e14\u6162\uff0c\u9019\u6a23\u7684\u60f3\u6cd5\u4ee3\u8868\u6295\u8cc7\u4eba\u53ea\u770b\u5230\u4e86\u80a1\u7968\u5e02\u5834\u7684\u9ad8\u5831\u916c\uff0c\u537b\u5ffd\u7565\u4e86\u9ad8\u5831\u916c\u7684\u80cc\u5f8c\u5f80\u5f80\u4f34\u96a8\u9ad8\u98a8\u96aa\uff1b\u9069\u7576\u52a0\u5165\u50b5\u5238\u3001\u5b78\u6703\u9632\u5b88\uff0c\u80fd\u4f7f\u6295\u8cc7\u4eba\u66f4\u6709\u80fd\u529b\u56e0\u61c9\u5e02\u5834\u4e0a\u5404\u7a2e\u7121\u6cd5\u9810\u6e2c\u7684\u8b8a\u5316\uff0c\u6301\u6709\u50b5\u5238\u7684\u6295\u8cc7\u7d44\u5408\u5177\u6709\u4ee5\u4e0b\u56db\u500b\u512a\u9ede\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>1.\u52a0\u5165\u50b5\u5238\uff0c\u6709\u6a5f\u6703\u63d0\u5347\u6295\u8cc7\u7d44\u5408\u5831\u916c\u7387\u3002<\/strong><\/p><\/blockquote>\n\n\n\n<p>\u52a0\u5165\u50b5\u5238\u4e00\u5b9a\u6703\u62d6\u7d2f\u6295\u8cc7\u7d44\u5408\u5831\u916c\u7387\u55ce\uff1f\u7b54\u6848\u662f\u4e0d\u4e00\u5b9a\uff0c\u751a\u81f3\u6709\u6a5f\u6703\u63d0\u5347\u5831\u916c\u3002\u80a1\u7968\u5e02\u5834\u5360\u6295\u8cc7\u7d44\u5408\u6bd4\u4f8b\u8d8a\u9ad8\u4e26\u4e0d\u8868\u793a\u5728\u6bcf\u4e00\u500b\u6295\u5165\u6642\u9593\u90fd\u80fd\u63d0\u4f9b\u6295\u8cc7\u4eba\u76f8\u5c0d\u512a\u6e25\u7684\u5831\u916c\uff0c\u5e02\u5834\u8b8a\u5316\u7121\u5e38\uff0c\u6bcf\u7576\u5e02\u5834\u9762\u81e8\u5927\u5e45\u4fee\u6b63\uff0c\u50b5\u5238\u5360\u6bd4\u8d8a\u9ad8\u7684\u6295\u8cc7\u7d44\u5408\u53cd\u800c\u80fd\u5728\u8f03\u4f4e\u7684\u6ce2\u52d5\u5ea6\u4e0b\uff0c\u5e6b\u52a9\u6295\u8cc7\u4eba\u5275\u9020\u66f4\u597d\u7684\u5831\u916c\u3002<br \/>\u4e0b\u5716\u56de\u6e2c\u662f\u5047\u8a2d\u6295\u8cc7\u4eba\u57282008\u5e74\u958b\u59cb\u9032\u884c\u6295\u8cc7\uff0c\u5728\u7d93\u6b77\u91d1\u878d\u6d77\u562f\u3001\u6b50\u50b5\u5371\u6a5f\u3001\u4e2d\u7f8e\u8cbf\u6613\u6230\u3001COVID-19\u7b49\u5e02\u5834\u4fee\u6b63\u5f8c\uff0c\u767e\u5206\u4e4b\u767e\u6301\u6709\u80a1\u7968\u7684\u4e16\u754c\u6307\u6578\u5728\u9019\u671f\u9593(\u7d0412\u5e74)\u4e26\u6c92\u6709\u63d0\u4f9b\u6295\u8cc7\u4eba\u8f03\u597d\u7684\u5831\u916c\uff1b\u53cd\u800c\u6301\u6709\u50b5\u5238\u7684 Alpha60 \u6295\u8cc7\u7d44\u5408\u5728\u8f03\u4f4e\u6ce2\u52d5\u5ea6\u4e0b\u63d0\u4f9b\u6295\u8cc7\u4eba\u8f03\u4f73\u7684\u5831\u916c\u3002<br \/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/1-1-e1592809950466.png\" alt=\"\" width=\"600\" height=\"124\"><br \/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/1-2-e1592810001471.png\" alt=\"\" width=\"600\" height=\"346\"><\/p>\n\n\n\n<p>\u56de\u6e2c\u6642\u9593\uff1a2008\/01\/01-2020\/06\/08\uff0c\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar<\/p>\n\n\n\n<p>\u5099\u8a3b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Alpha 60\u662f\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u4ee560%\u80a1\u7968\u578b\u8cc7\u7522\u52a0\u4e0a40%\u50b5\u5238\u578b\u8cc7\u7522\u6240\u7d44\u6210\u3002<\/li><li>\u5728\u6e2c\u8a66\u4e0a\uff0c\u70ba\u4e86\u5f4c\u88dcETF\u6210\u7acb\u6642\u9593\u8f03\u77ed\u7684\u554f\u984c\uff0c\u6539\u4ee5\u76f8\u5c0d\u61c9\u7684\u6307\u6578\u4f5c\u70ba\u66ff\u4ee3\u3002<\/li><\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>2.\u76f8\u540c\u98a8\u96aa\u4e0b\uff0c\u5275\u9020\u66f4\u597d\u7684\u5831\u916c\u3002<\/strong><\/p><\/blockquote>\n\n\n\n<p>\u8a31\u591a\u6295\u8cc7\u4eba\u70ba\u4e86\u8ffd\u6c42\u9ad8\u5831\u916c\uff0c\u53ea\u5c07\u8cc7\u91d1\u55ae\u58d3\u5728\u80a1\u7968\u5e02\u5834\uff0c\u9019\u9ebc\u505a\u53ea\u8003\u616e\u5230\u5831\u916c\u7387\uff0c\u82e5\u662f\u52a0\u5165\u98a8\u96aa\u8003\u91cf\uff0c\u9019\u6a23\u7684\u4f5c\u6cd5\u672a\u5fc5\u662f\u597d\u65b9\u6cd5\u3002\u5408\u7406\u7684\u5206\u6790\uff0c\u5fc5\u9808\u540c\u6642\u8003\u91cf\u98a8\u96aa\u8207\u5831\u916c\uff0c\u985e\u4f3c\u7c43\u7403\u5834\u4e0a\u52a9\u653b\u5931\u8aa4\u6bd4*\u7684\u6982\u5ff5\u3002\u590f\u666e\u6bd4\u7387(Sharpe ratio)\u662f\u8861\u91cf\u6295\u8cc7\u7e3e\u6548\u7684\u6307\u6a19\u4e4b\u4e00\uff0c\u4e3b\u8981\u5728\u8aaa\u660e\u300c\u627f\u64d4\u76f8\u540c1%\u7684\u98a8\u96aa\u4e0b\uff0c\u80fd\u591a\u7522\u751f\u591a\u5c11\u5831\u916c\u300d\uff0c\u96d6\u7136\u904e\u53bb\u7e3e\u6548\u4e26\u4e0d\u4ee3\u8868\u672a\u4f86\u7372\u5229\u4fdd\u8b49\uff0c\u4f46\u900f\u904e\u590f\u666e\u6bd4\u7387\u53ef\u4ee5\u8b93\u6211\u5011\u4e86\u89e3\uff0c\u5118\u7ba1\u6301\u6709\u767e\u5206\u4e4b\u767e\u80a1\u7968\u7684\u7684\u6295\u8cc7\u7d44\u5408\u9577\u671f\u5831\u916c\u8f03\u4f73\uff0c\u4f46\u5728\u8003\u91cf\u98a8\u96aa\u4e0b\uff0c\u52a0\u5165\u50b5\u5238\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u5728\u76f8\u540c\u98a8\u96aa\u7a0b\u5ea6\u4e0b\u5e6b\u6295\u8cc7\u4eba\u5275\u9020\u4e86\u66f4\u5927\u7684\u5831\u916c\u3002<br \/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/2-1-1-e1592810346489.png\" alt=\"\" width=\"600\" height=\"123\"><\/p>\n\n\n\n<p>\u56de\u6e2c\u6642\u9593\uff1a2008\/01\/01-2020\/06\/08\uff0c\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar<\/p>\n\n\n\n<p>\u5099\u8a3b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>MSCI ACWI All Cap \u6307\u6578\u5275\u7acb\u6642\u9593\u70ba2007\/11\/30\uff0c\u70ba\u6c42\u66f4\u9577\u6642\u9593\u7684\u56de\u6e2c\uff0c\u6539\u4ee5FTSE Global All Cap \u6307\u6578\u66ff\u4ee3\uff0cFTSE Global All Cap \u5275\u7acb\u6642\u9593\u70ba2002\/12\/31\u3002<\/li><li>\u52a9\u653b\u5931\u8aa4\u6bd4\uff1a\u8a08\u7b97\u7576\u7403\u54e1\u6bcf\u767c\u751f\u4e00\u6b21\u5931\u8aa4\uff0c\u80fd\u9001\u51fa\u591a\u5c11\u6b21\u52a9\u653b\u3002\u52a9\u653b\u5931\u8aa4\u6bd4\u8d8a\u9ad8\uff0c\u901a\u5e38\u4ee3\u8868\u9019\u540d\u7403\u54e1\u8d8a\u6c89\u7a69\uff0c\u76f8\u540c\u5931\u8aa4\u6b21\u6578\u4e0b\uff0c\u80fd\u9001\u51fa\u8d8a\u591a\u52a9\u653b\u3002<\/li><\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>3.\u63a7\u5236\u4e0b\u8dcc\u7684\u5e45\u5ea6\uff0c\u8b93\u4f60\u5f9e\u50b7\u5bb3\u4e2d\u5feb\u901f\u5fa9\u539f\u3002<\/strong><\/p><\/blockquote>\n\n\n\n<p>\u7576\u4e00\u652f\u7403\u968a\u53ea\u6703\u9032\u653b\uff0c\u53ea\u8981\u9032\u653b\u4e00\u5931\u5e38\uff0c\u5c0d\u624b\u5c31\u80fd\u8d81\u9019\u500b\u6642\u5019\u5927\u8209\u5f97\u5206\u3001\u64f4\u5927\u6bd4\u5206\u5dee\u8ddd\uff0c\u5931\u5206\u904e\u5927\u6703\u4f7f\u7403\u968a\u8ffd\u5206\u975e\u5e38\u8f9b\u82e6\uff0c\u5931\u53bb\u7af6\u722d\u529b\uff1b\u597d\u7684\u9632\u5b88\u80fd\u907f\u514d\u9019\u6a23\u7684\u72c0\u6cc1\u767c\u751f\uff0c\u96d6\u7136\u6211\u6295\u4e0d\u9032\uff0c\u4f46\u4f60\u4e5f\u5225\u60f3\u8f15\u6613\u6295\u9032\uff01\u53ea\u8981\u80fd\u7dca\u54ac\u843d\u5f8c\u6bd4\u5206\uff0c\u7403\u968a\u8ffd\u5206\u6642\u5c31\u80fd\u76f8\u5c0d\u8f15\u9b06\u3002\u50b5\u5238\u5728\u6295\u8cc7\u7d44\u5408\u4e2d\uff0c\u5c31\u5177\u6709\u9019\u7a2e\u9632\u5b88\u7684\u4f5c\u7528\uff0c\u80fd\u5728\u5e02\u5834\u4e0b\u8dcc\u6642\u4fdd\u8b77\u6295\u8cc7\u4eba\u7684\u8cc7\u7522\uff01<br \/>\u5716\u4e00\u548c\u5716\u4e8c\u662f\u56de\u6e2c2008\u5e74\u91d1\u878d\u6d77\u562f\u8207\u4eca\u5e74\u4e09\u6708 COVID-19\u75ab\u60c5\u767c\u751f\u6642\uff0c Alpha60\u6295\u8cc7\u7d44\u5408\u8207\u4e16\u754c\u6307\u6578\u7684\u6bd4\u8f03\uff0c\u53ef\u4ee5\u767c\u73fe\u6301\u6709\u50b5\u5238\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u80fd\u5e6b\u52a9\u6295\u8cc7\u4eba\u6e1b\u5c11\u8cc7\u7522\u4e0b\u8dcc\u7684\u5e45\u5ea6\uff0c\u8b93\u6295\u8cc7\u4eba\u53ef\u4ee5\u66f4\u5feb\u5f9e\u50b7\u5bb3\u4e2d\u5fa9\u539f\u3002<br \/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/3-1-600x350.png\" alt=\"\" width=\"600\" height=\"350\"><\/p>\n\n\n\n<p>\u5716\u4e00\uff1a\u91d1\u878d\u6d77\u562f\u671f\u9593 (2008\/01\/01-2009\/12\/31) Alpha 60\u8207\u4e16\u754c\u6307\u6578\u8dcc\u5e45\u6bd4\u8f03\uff0c<\/p>\n\n\n\n<p>\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/4-2-600x350.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u5716\u4e8c\uff1a\u4eca\u5e74\u4ee5\u4f86COVID-19\u5f71\u97ff\u671f\u9593 (2020\/01\/01-2009\/06\/19) Alpha 60\u8207\u4e16\u754c\u6307\u6578\u8dcc\u5e45\u6bd4\u8f03\uff0c<\/p>\n\n\n\n<p>\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow 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