{"id":1430,"date":"2020-06-22T17:10:00","date_gmt":"2020-06-22T09:10:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1430"},"modified":"2026-06-03T14:57:57","modified_gmt":"2026-06-03T06:57:57","slug":"%e7%8d%b2%e5%88%a9%e8%a9%b2%e4%ba%86%e7%b5%90%e5%97%8e%e8%99%a7%e6%90%8d%e8%a9%b2%e6%ad%a2%e8%a1%80%e5%97%8e%e5%88%a5%e8%a2%ab%e5%85%a7%e5%bf%83%e7%9a%84%e9%ad%94%e9%ac%bc%e6%8e%a7%e5%88%b6%e4%bd%8f","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1430","title":{"rendered":"\u6295\u8cc7\u8a72\u4ec0\u9ebc\u6642\u5019\u8cb7\u9032\u6216\u8ce3\u51fa\uff1f\u7372\u5229\u8a72\u4e86\u7d50\u55ce\uff1f\u8667\u640d\u8a72\u6b62\u8840\u55ce\uff1f\u5225\u88ab\u5167\u5fc3\u7684\u9b54\u9b3c\u63a7\u5236\u4f4f\uff01"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/stay-course-e1592837043599.jpg\" alt=\"\" class=\"wp-image-5698\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/06\/leaving-market-outcome-e1592837234885.jpg\" alt=\"\" class=\"wp-image-5699\"\/><\/figure>\n\n\n\n<p>\u6295\u8cc7\u90e8\u4f4d\u7372\u5229\u6642\uff0c\u6211\u5011\u6703\u958b\u59cb\u64d4\u5fc3\uff0c\u54ea\u6642\u5019\u8a72\u8ce3\u6389\u6216\u662f\u6703\u4e0d\u6703\u7e7c\u7e8c\u4e0a\u6f32\uff0c\u6295\u8cc7\u90e8\u4f4d\u8667\u640d\u6642\uff0c\u6211\u5011\u53c8\u958b\u59cb\u64d4\u5fc3\u662f\u4e0d\u662f\u8a72\u505c\u640d\u6216\u662f\u653e\u8457\u7b49\u4ed6\u56de\u4f86\uff0c\u6295\u8cc7\u5f8c\u7684\u7ba1\u7406\u8207\u64cd\u4f5c\uff0c\u624d\u662f\u6295\u8cc7\u4eba\u6c38\u9060\u9700\u8981\u5b78\u7fd2\u7684\u8ab2\u984c\uff01<\/p>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-\">\u518d\u6b21\u5f37\u8abf\uff0c\u6295\u8cc7\u5f8c\u7684\u7ba1\u7406\u624d\u662f\u91cd\u9ede! \u96d6\u7136\u6a5f\u5668\u4eba\u7406\u8ca1\u6709\u670d\u52d9\u8cbb\u7528\uff0c\u4f46\u5b83\u5e6b\u52a9\u6295\u8cc7\u4eba\u6e1b\u5c11\u932f\u8aa4\u7684\u6295\u8cc7\u884c\u70ba\uff0c\u6240\u5275\u9020\u7684\u5831\u916c\u50f9\u503c\u9060\u9060\u9ad8\u65bc\u5b83\u7684\u8cbb\u7528\uff0c\u4f60\u6211\u600e\u9ebc\u4e0d\u5fc3\u52d5?<\/a><\/li><li><a href=\"#aioseo-\">\u932f\u8aa4\u7684\u6295\u8cc7\u884c\u70ba\u6703\u7522\u751f\u4ec0\u9ebc\u5f8c\u679c\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u4e0d\u5c0f\u5fc3\u932f\u904e\u5927\u6f32\u7684\u5e7e\u5929\u6703\u5982\u4f55\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u6709\u6c92\u6709\u514b\u670d\u6295\u8cc7\u5fc3\u9b54\u7684\u65b9\u6cd5?<\/a><ul><\/ul><\/li><\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\">\u5927\u5bb6\u90fd\u77e5\u9053\u6307\u6578\u5316\u6295\u8cc7\uff0c\u4f46\u91cd\u9ede\u662f\u8cb7\u9032\u5f8c\u6211\u5011\u8a72\u600e\u9ebc\u7ba1\u7406!<\/mark><\/strong><\/h3>\n\n\n\n<p>\u88ab\u52d5\u5f0f\u6295\u8cc7\u7684\u6700\u4f73\u64cd\u4f5c\u65b9\u6cd5\u5c31\u662f<strong>\u8cb7\u9032\u8207\u6301\u6709<\/strong>\uff0c\u65e2\u7136\u6211\u5011\u7121\u6cd5\u9810\u6e2c\u5e02\u5834\u672a\u4f86\u7684\u8868\u73fe\uff0c\u6211\u5011\u4e5f\u4e0d\u9700\u8981\u53bb\u505a<strong><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1104\" title=\"\">\u5e02\u5834\u64c7\u6642<\/a><\/strong>\u7684\u52d5\u4f5c\uff0c\u80a1\u5e02\u7684\u9ad8\u4f4e\u9ede\u90fd\u662f\u4e8b\u5f8c\u76f8\u5c0d\u7684\u7d50\u679c\uff0c\u56e0\u6b64\u6bcf\u500b\u6642\u9593\u9ede\u90fd\u662f\u672a\u4f86\u5e02\u5834\u7684\u9ad8\u4f4e\u9ede\uff0c\u9019\u6b21\u9810\u6e2c\u5c0d\u4e86\uff0c\u53ea\u662f\u8ced\u5c0d\uff0c\u4e0d\u662f\u5be6\u529b\u5c0d\u3002 &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\"><strong>\u932f\u8aa4\u7684\u6295\u8cc7\u884c\u70ba\u6703\u7522\u751f\u4ec0\u9ebc\u5f8c\u679c<\/strong>\uff1f<\/h2>\n\n\n\n<p>\u4e0b\u5716\u5448\u73fe\u4eca\u5e74 3 \u6708\u9762\u81e8\u80a1\u5e02\u5d29\u76e4\u6642\uff0c\u4e0d\u540c\u64cd\u4f5c\u624b\u6cd5\uff0c\u6700\u5f8c\u7684\u7d50\u679c\u5927\u5927\u4e0d\u540c\u3002\u85cd\u7dda\u70ba\u8cb7\u9032\u4e26\u9577\u671f\u6301\u6709\u7684\u6295\u8cc7\u4eba\uff0c\u4e0d\u70ba\u6240\u52d5\u7684\u4ed6\u5011\uff0c\u5e74\u521d\u81f3\u4eca\u7684\u5831\u916c\u70ba -3.33% ; \u7da0\u7dda\u70ba\u77ed\u671f\u8667\u640d 20% \u96e2\u5834\uff0c\u7d93\u904e 10 \u5929\u5f8c\u518d\u9032\u5834\u7684\u6295\u8cc7\u4eba\uff0c\u932f\u904e\u4e86\u7f8e\u597d\u7684 10 \u5929\uff0c\u5e74\u521d\u81f3\u4eca\u7684\u5831\u916c\u70ba -9.30% \u3002 \u7070\u7dda\u70ba\u77ed\u671f\u8667\u640d 20% \u96e2\u5834\uff0c\u7d93\u904e 30 \u5929\u5f8c\u518d\u9032\u5834\u7684\u6295\u8cc7\u4eba\uff0c\u932f\u904e\u4e86\u7f8e\u597d\u7684 30 \u5929\uff0c\u5e74\u521d\u81f3\u4eca\u7684\u5831\u916c\u70ba -15.22% \u3002 \u7d05\u7dda\u70ba\u77ed\u671f\u8667\u640d 20% \u96e2\u5834\uff0c\u73fe\u91d1\u70ba\u738b\u6295\u8cc7\u4eba\uff0c\u932f\u904e\u4e86\u7f8e\u597d\u7684 90 \u5929\uff0c\u5e74\u521d\u81f3\u4eca\u7684\u5831\u916c\u70ba -21.45% \u3002 \u7576\u4f60\u505a\u51fa\u932f\u8aa4\u7684\u6295\u8cc7\u932f\u8aa4\u6c7a\u7b56\uff0c\u5f80\u5f80\u640d\u5931\u7684\u4e0d\u662f 1~2% \u7684\u5831\u916c\uff0c\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u524d\u9762\u63d0\u5230\uff0c\u6295\u8cc7\u5f8c\u7684\u64cd\u4f5c\u7ba1\u7406\u624d\u662f\u91cd\u9ede\u4e4b\u91cd\u9ede\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\"><strong>\u4e0d\u5c0f\u5fc3\u932f\u904e\u5927\u6f32\u7684\u5e7e\u5929\u6703\u5982\u4f55<\/strong>\uff1f<\/h2>\n\n\n\n<p>\u4e0b\u5716\u70ba JP Morgan \u8a08\u7b97\u5f9e 2000 \u5e74\u958b\u59cb\u6295\u8cc7\u65bc S&amp;P 500 \u6307\u6578\uff0c\u7d93\u904e 20 \u5e74\u5f8c\uff0c\u5404\u7a2e\u6295\u8cc7\u7d50\u679c\u3002\u5805\u5b88\u822a\u9053\u7684\u6295\u8cc7\u4eba\u4eab\u6709\u6700\u597d\u7684\u5e73\u5747\u5831\u916c\u8868\u73fe\uff0c\u5e74\u5316\u5831\u916c\u7d04 6% ; \u7576\u4f60\u4e2d\u9014\u96e2\u5834\uff0c\u932f\u904e\u80a1\u5e02\u6700\u4f73 10 \u5929\uff0c\u5e74\u5316\u5831\u916c\u7387\u76f8\u8f03\u5168\u7a0b\u6295\u8cc7\u8005\u5c11\u4e86 3.62% ; \u7576\u4f60\u932f\u904e\u6700\u4f73\u7684 20 \u5929\uff0c\u5e74\u5316\u5831\u916c\u7387\u5e7e\u4e4e\u63a5\u8fd10%\uff0c\u4e5f\u5c31\u662f\u8aaa\u96a8\u610f\u5730\u9032\u51fa\u5e02\u5834\uff0c\u6bd4\u4f60\u4e56\u4e56\u5730\u5f85\u5728\u5e02\u5834\u50b7\u5bb3\u66f4\u5927\uff01\u6295\u8cc7\u5f8c\u7684\u64cd\u4f5c\u7ba1\u7406\u8207\u7d00\u5f8b\u5730\u9577\u671f\u6295\u8cc7\u5f80\u5f80\u624d\u662f\u6700\u96e3\u5b78\u6703\u7684\u8ab2\u984c\uff0c\u9762\u5c0d\u8caa\u5a6a\u8207\u6050\u614c\u7684\u4eba\u6027\uff0c\u4e26\u975e\u6240\u6709\u4eba\u90fd\u80fd\u638c\u63e1\u5341\u516b\u822c\u6b66\u85dd\uff0c\u5373\u4f7f\u662f\u8cb7\u9032\u4e26\u9577\u671f\u6301\u6709\u7684\u6700\u7c21\u55ae\u64cd\u4f5c\u65b9\u6cd5\uff0c\u8a31\u591a\u4eba\u9084\u662f\u7121\u6cd5\u5805\u5b88\u822a\u9053\uff0c\u932f\u8aa4\u7684\u6295\u8cc7\u6c7a\u7b56\uff0c\u640d\u5931\u7684\u4e0d\u662f 1~2%\uff0c\u53ef\u80fd\u5f71\u97ff\u6574\u9ad4\u7684\u6295\u8cc7\u898f\u5283\u3002 &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\"><strong>\u6709\u6c92\u6709\u514b\u670d\u6295\u8cc7\u5fc3\u9b54\u7684\u65b9\u6cd5<\/strong><strong>?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/roboadvisor.com.tw\/\">\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u5354\u52a9\u60a8\u9032\u884c\u6295\u8cc7\u7ba1\u7406\uff0c\u8a2d\u8a08\u8a31\u591a\u6295\u8cc7\u884c\u70ba\u9810\u9632\u6a5f\u5236\uff0c\u7576\u4f60\u592a\u904e\u983b\u7e41\u6aa2\u8996\u7e3e\u6548\u6642\uff0c\u53ef\u80fd\u6703\u8df3\u51fa\u5efa\u8b70\uff0c\u7576\u60a8\u9762\u81e8\u80a1\u5e02\u91cd\u632b\u6642\uff0c\u63d0\u4f9b\u76f8\u95dc\u7814\u7a76\u6587\u7ae0\u8b93\u4f60\u51b7\u975c\u601d\u8003\uff0c\u7576\u60a8\u60f3\u8981\u8ce3\u51fa\u6295\u8cc7\u96e2\u958b\u5e02\u5834\u6642\uff0c\u5b83\u6703\u63d0\u9192\u4f60\u96e2\u958b\u5e02\u5834\u7684\u53ef\u80fd\u5f8c\u679c\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u85c9\u7531\u6295\u8cc7\u884c\u70ba\u7684\u6a5f\u5236\u8a2d\u8a08\uff0c\u8f14\u5c0e\u6295\u8cc7\u4eba\uff0c\u6295\u8cc7\u4eba\u53ef\u4ee5\u964d\u4f4e\u932f\u8aa4\u884c\u70ba\u7684\u767c\u751f\uff0c\u5354\u52a9\u6295\u8cc7\u4eba\u514b\u670d\u6295\u8cc7\u5fc3\u9b54!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-palette-color-2-color\">\u518d\u6b21\u5f37\u8abf\uff0c\u6295\u8cc7\u5f8c\u7684\u7ba1\u7406\u624d\u662f\u91cd\u9ede! \u96d6\u7136\u6a5f\u5668\u4eba\u7406\u8ca1\u6709\u670d\u52d9\u8cbb\u7528\uff0c\u4f46\u5b83\u5e6b\u52a9\u6295\u8cc7\u4eba\u6e1b\u5c11\u932f\u8aa4\u7684\u6295\u8cc7\u884c\u70ba\uff0c\u6240\u5275\u9020\u7684\u5831\u916c\u50f9\u503c\u9060\u9060\u9ad8\u65bc\u5b83\u7684\u8cbb\u7528\uff0c\u4f60\u6211\u600e\u9ebc\u4e0d\u5fc3\u52d5?<\/mark><\/strong><\/h3>\n\n\n\n\n\n<p><br><\/p>\n\n\n\n<div class=\"wp-block-group alignfull has-text-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"color:#000000;background-color:#ffffff\">\n<style>\n\/* --- \u9810\u8a2d\uff1a\u624b\u6a5f\u7248\u5c3a\u5bf8 (\u5c0f\u87a2\u5e55) --- *\/\n.rwd-heading {\n    font-size: 32px !important;\n    margin-bottom: 24px !important;\n}\n.rwd-btn-wrapper {\n    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