{"id":14543,"date":"2025-08-01T13:49:24","date_gmt":"2025-08-01T05:49:24","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14543"},"modified":"2026-05-02T10:43:47","modified_gmt":"2026-05-02T02:43:47","slug":"%e5%84%b2%e8%93%84%e9%9a%aa%e5%80%bc%e5%be%97%e8%b2%b7%e5%97%8e%ef%bc%9f%e6%8f%ad%e9%96%8b-5-%e5%a4%a7%e5%84%b2%e8%93%84%e9%9a%aa%e7%bc%ba%e9%bb%9e%e6%9b%b4%e8%81%b0%e6%98%8e%e7%9a%84%e6%9b%bf","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14543","title":{"rendered":"\u5132\u84c4\u96aa\u503c\u5f97\u8cb7\u55ce\uff1f\u63ed\u958b 5 \u5927\u5132\u84c4\u96aa\u7f3a\u9ede&amp;\u66f4\u8070\u660e\u7684\u66ff\u4ee3\u65b9\u6848"},"content":{"rendered":"\n<p>\u300c\u6bcf\u500b\u6708\u53ea\u8981\u5b58\u4e00\u7b46\u9322\uff0c\u516d\u5e74\u5f8c\u5c31\u80fd\u62ff\u56de\u4e00\u7b46\u53ef\u89c0\u7684\u5229\u606f\uff0c\u800c\u4e14\u4fdd\u8b49\u4fdd\u672c\uff01\u300d\u9019\u5c31\u662f\u300c\u5132\u84c4\u96aa\u300d\u6700\u5438\u5f15\u4eba\u7684\u9b45\u529b\u6240\u5728\u3002\u5b83\u807d\u8d77\u4f86\u50cf\u662f\u4e00\u500b\u5b8c\u7f8e\u7684\u7406\u8ca1\u5de5\u5177\uff1a\u65e2\u80fd\u5f37\u8feb\u5132\u5099\uff0c\u53c8\u6709\u6bd4\u5b9a\u5b58\u7a0d\u9ad8\u7684\u5229\u7387\uff0c\u4f3c\u4e4e\u662f\u4fdd\u5b88\u578b\u6295\u8cc7\u8005\u7684\u6700\u4f73\u9078\u64c7\uff0c\u7136\u800c\u9019\u4efd\u770b\u4f3c\u7684\u5b89\u7a69\uff0c\u80cc\u5f8c\u537b\u96b1\u85cf\u8457\u6975\u4f4e\u7684\u771f\u5be6\u5831\u916c\u8207\u50f5\u5316\u7684\u8cc7\u91d1\u9589\u9396\u671f\u7b49\u81f4\u547d\u7f3a\u9677\uff0c\u9577\u671f\u4e0b\u4f86\uff0c\u53cd\u800c\u6210\u70ba\u963b\u7919\u60a8\u8ca1\u5bcc\u589e\u9577\u7684\u5143\u5147\u3002<\/p>\n\n\n\n<p>\u672c\u6587<a href=\"https:\/\/roboadvisor.com.tw\/ChooseLogin.html?Camp=Blog\">\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u5c07\u5f9e\u5c08\u696d\u8996\u89d2\u51fa\u767c\uff0c\u7528\u767d\u8a71\u6587\u89e3\u91cb\u70ba\u4f55\u5132\u84c4\u96aa\u7684\u771f\u5be6\u5831\u916c\u7387\uff08IRR\uff09\u9060\u4e0d\u5982\u60a8\u6240\u60f3\uff0c\u5256\u6790\u5176\u4e94\u5927\u6838\u5fc3\u7f3a\u9677\uff0c\u4e26\u900f\u904e\u5177\u9ad4\u6bd4\u8f03\uff0c\u8b93\u60a8\u6e05\u6670\u770b\u898b\uff1a\u5982\u679c\u5c07\u540c\u6a23\u7684\u8cc7\u91d1\uff0c\u5f9e\u50b3\u7d71\u5132\u84c4\u96aa\u8f49\u5411\u73fe\u4ee3\u5316\u7684\u667a\u80fd\u6295\u8cc7\uff0c\u60a8\u7684\u8cc7\u7522\u5c07\u6703\u8fce\u4f86\u591a\u9ebc\u622a\u7136\u4e0d\u540c\u7684\u672a\u4f86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u5132\u84c4\u96aa\u7684\u300c\u771f\u5be6\u5831\u916c\u7387\u300d<\/mark><\/h2>\n\n\n\n<p>\u5728\u8a0e\u8ad6\u5132\u84c4\u578b\u4fdd\u55ae\u7f3a\u9ede\u524d\uff0c\u5fc5\u9808\u5148\u91d0\u6e05\u4e00\u500b\u6700\u95dc\u9375\u7684\u89c0\u5ff5\uff1a\u696d\u52d9\u54e1\u53e3\u4e2d\u7684\u300c\u5ba3\u544a\u5229\u7387\u300d\u6216DM\u4e0a\u7684\u7f8e\u597d\u6578\u5b57\uff0c\u90fd\u4e0d\u662f\u60a8\u771f\u6b63\u7684\u5e74\u5316\u5831\u916c\u7387<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5ba3\u544a\u5229\u7387<\/strong>\uff1a\u662f\u4fdd\u96aa\u516c\u53f8\u300c\u9810\u8a08\u300d\u7d66\u60a8\u7684\u5229\u7387\uff0c\u5b83\u6703\u8b8a\u52d5\uff0c\u4e14\u53ea\u9069\u7528\u65bc\u6263\u9664\u6240\u6709\u6210\u672c\u5f8c\u7684\u300c\u4fdd\u55ae\u50f9\u503c\u6e96\u5099\u91d1\u300d\uff0c\u800c\u4e0d\u662f\u60a8\u7e73\u7684\u5168\u90e8\u4fdd\u8cbb<\/li>\n\n\n\n<li><strong>\u771f\u5be6\u5831\u916c\u7387 (IRR)<\/strong>\uff1a\u5167\u90e8\u5831\u916c\u7387\uff08Internal Rate of Return\uff09\u624d\u662f\u8861\u91cf\u4e00\u500b\u91d1\u878d\u5546\u54c1\u771f\u5be6\u5e74\u5316\u5831\u916c\u7387\u7684\u552f\u4e00\u6a19\u6e96\u3002\u5b83\u8003\u616e\u4e86\u60a8\u6295\u5165\u7684\u6bcf\u4e00\u7b46\u9322\u3001\u4ee5\u53ca\u6700\u7d42\u62ff\u56de\u7684\u7e3d\u91d1\u984d\uff0c\u8a08\u7b97\u51fa\u7684\u5e74\u5316\u6295\u5831\u7387<\/li>\n<\/ul>\n\n\n\n<p>\u26a0\ufe0f \u5e02\u9762\u4e0a\u7d55\u5927\u591a\u65786\u5e74\u671f\u5132\u84c4\u96aa\uff0c\u5176\u524d6\u5e74\u7684 IRR \u5f80\u5f80\u53ea\u67091%\u52302.5%\u4e4b\u9593\uff0c\u50c5\u50c5\u7565\u9ad8\u65bc\u5b9a\u5b58\uff0c\u751a\u81f3\u53ef\u80fd\u8f38\u7d66<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=9850\">\u901a\u8ca8\u81a8\u8139<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u5132\u84c4\u96aa 5 \u5927\u7f3a\u9ede<\/mark><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u84c4\u96aa\u7f3a\u9ede\u4e00\uff1a\u8cc7\u91d1\u7f3a\u4e4f\u5f48\u6027\uff0c\u63d0\u524d\u89e3\u7d04\u4fdd\u8b49\u8667\u640d<\/h3>\n\n\n\n<p>\u9019\u662f\u5132\u84c4\u96aa\u7f3a\u9ede\u4e2d\u6700\u81f4\u547d\u7684\u4e00\u9ede\uff0c\u5132\u84c4\u96aa\u7684\u5408\u7d04\u901a\u5e38\u70ba6\u5e74\u300110\u5e74\u751a\u81f3\u66f4\u9577\uff0c\u5728\u9019\u6bb5\u300c\u9589\u9396\u671f\u300d\u5167\uff0c\u5982\u679c\u56e0\u5931\u696d\u3001\u75be\u75c5\u6216\u4efb\u4f55\u7dca\u6025\u72c0\u6cc1\u9700\u8981\u7528\u9322\u800c\u63d0\u524d\u89e3\u7d04\uff0c\u80fd\u62ff\u56de\u7684\u300c\u89e3\u7d04\u91d1\u300d\u5c07\u9060\u4f4e\u65bc\u60a8\u5df2\u7e73\u7d0d\u7684\u7e3d\u4fdd\u8cbb\uff0c\u9020\u6210\u5be6\u8cea\u6027\u7684\u672c\u91d1\u8667\u640d\uff0c\u7b49\u65bc\u662f\u70ba\u4e86\u4e00\u9ede\u9ede\u5fae\u8584\u7684\u5229\u606f\uff0c\u72a7\u7272\u4e86\u8cc7\u91d1\u7684\u6d41\u52d5\u6027\uff0c\u4e26\u627f\u64d4\u4e86\u5de8\u5927\u7684\u8ca1\u52d9\u98a8\u96aa\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u84c4\u96aa\u7f3a\u9ede\u4e8c\uff1a\u5831\u916c\u7387\u6975\u4f4e\uff0c\u8cc7\u7522\u589e\u9577\u6548\u7387\u6975\u5dee<\/h3>\n\n\n\n<p>\u5132\u84c4\u96aa\u7684\u771f\u5be6\u5831\u916c\u7387\u6975\u4f4e\uff0c\u5728\u4e00\u500b\u9577\u671f\u5e73\u5747\u5e74\u5316\u5831\u916c\u7387\u53ef\u9054\u30007%\u3000\u4ee5\u4e0a\u7684\u5168\u7403\u5e02\u5834\u4e2d\uff0c\u5c07\u8cc7\u91d1\u9577\u671f\u9396\u5b9a\u57281-2% \u7684\u5831\u916c\u7387\u4e0a\uff0c\u7121\u7591\u662f\u627c\u6bba\u4e86\u8ca1\u5bcc\u589e\u9577\u7684\u6f5b\u529b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u84c4\u96aa\u7f3a\u9ede\u4e09\uff1a\u4fdd\u969c\u529f\u80fd\u6975\u4f4e\uff0c\u300c\u4fdd\u96aa\u300d\u540d\u4e0d\u7b26\u5be6<\/h3>\n\n\n\n<p>\u5132\u84c4\u96aa\u96d6\u7136\u540d\u70ba\u4fdd\u96aa\uff0c\u4f46\u5b83\u58fd\u96aa\u4fdd\u969c\u7684\u984d\u5ea6\u901a\u5e38\u975e\u5e38\u4f4e\uff0c\u50c5\u6bd4\u5df2\u7e73\u7684\u4fdd\u8cbb\u9ad8\u4e00\u9ede\u9ede\uff0c\u5b8c\u5168\u7121\u6cd5\u53d6\u4ee3\u771f\u6b63\u7684\u300c\u5b9a\u671f\u58fd\u96aa\u300d\u6216\u300c\u91ab\u7642\u96aa\u300d\u6240\u80fd\u63d0\u4f9b\u7684\u5bb6\u5ead\u4fdd\u969c\u529f\u80fd\uff0c\u56e0\u6b64\u82e5\u4ee5\u4fdd\u969c\u70ba\u76ee\u7684\uff0c\u537b\u8cb7\u4e86\u5132\u84c4\u96aa\uff0c\u90a3\u5c07\u6703\u662f\u56b4\u91cd\u7684\u8cc7\u6e90\u932f\u8aa4\u914d\u7f6e<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u84c4\u96aa\u7f3a\u9ede\u56db\uff1a\u96b1\u85cf\u6210\u672c\u8207\u8cbb\u7528\u7d50\u69cb\u4e0d\u900f\u660e<\/h3>\n\n\n\n<p>\u4f60\u6240\u7e73\u7d0d\u7684\u4fdd\u8cbb\uff0c\u4e26\u975e 100% \u90fd\u9032\u5165\u4f60\u7684\u5132\u84c4\u5e33\u6236\uff0c\u5176\u4e2d\u4e00\u5927\u90e8\u5206\uff0c\u5728\u524d\u671f\u6703\u88ab\u7528\u4f86\u652f\u4ed8\u4fdd\u96aa\u516c\u53f8\u7684\u71df\u904b\u6210\u672c\u3001\u696d\u52d9\u54e1\u7684\u734e\u91d1\uff0c\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u63d0\u524d\u89e3\u7d04\u6703\u8667\u640d\u7684\u4e3b\u56e0\uff0c\u56e0\u70ba\u60a8\u7684\u9322\u65e9\u5c31\u88ab\u7576\u4f5c\u8cbb\u7528\u82b1\u6389\u4e86\uff0c\u9019\u7a2e\u4e0d\u900f\u660e\u7684\u8cbb\u7528\u7d50\u69cb\uff0c\u8b93\u6295\u8cc7\u4eba\u96e3\u4ee5\u8a55\u4f30\u5176\u771f\u5be6\u50f9\u503c<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u5132\u84c4\u96aa vs. \u6295\u5165\u5e02\u5834 20 \u5e74\u8cc7\u7522\u6a21\u64ec<\/mark><\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u6211\u5011\u4ee5\u6bcf\u6708\u6295\u5165\u6295\u5165 1 \u842c\u5143\uff0c\u6301\u7e8c20\u5e74\u70ba\u4f8b\uff0c\u6bd4\u8f03\u6295\u5165\u5132\u84c4\u96aa\u8207\u6295\u5165\u5e02\u5834(\u4ee5\u5341\u5206\u4fdd\u5b88\u7684\u9577\u671f\u5e73\u5747\u5e74\u5316\u5831\u916c\u7387\u70ba7%\u4f86\u5047\u8a2d) \u7684\u8cc7\u7522\u5dee\u7570<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u6295\u5165\u6642\u9593<\/td><td>\u5132\u84c4\u96aa (\u6708\u7e731\u842c, 2% IRR)<\/td><td>\u963f\u723e\u767c\u667a\u80fd\u6295\u8cc7 (\u6708\u7e731\u842c, 7%\u5e74\u5316\u5831\u916c)<\/td><td>\u8cc7\u7522\u5dee\u8ddd (\u6a5f\u6703\u6210\u672c)<\/td><\/tr><tr><td>\u7b2c6\u5e74<\/td><td>\u7d04 74 \u842c\u5143<\/td><td>\u7d04 88 \u842c\u5143<\/td><td>14 \u842c\u5143<\/td><\/tr><tr><td>\u7b2c10\u5e74<\/td><td>\u7d04 132 \u842c\u5143<\/td><td>\u7d04 173 \u842c\u5143<\/td><td>41 \u842c\u5143<\/td><\/tr><tr><td>\u7b2c20\u5e74<\/td><td>\u7d04 294 \u842c\u5143<\/td><td>\u7d04 520 \u842c\u5143<\/td><td>226 \u842c\u5143<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udea8 \u9019\u50c5\u50c5\u662f\u4ee5\u4fdd\u5b88\u7684 7%\u5e74\u5316\u5831\u916c\u4f86\u505a\u8a08\u7b97\uff0c(\u904e\u53bb\u5341\u5e74\u53f0\u7063\u5e02\u5834\u5e74\u5316\u5831\u916c\u7387\u9ad8\u905412.32%) \u8cc7\u7522\u5c07\u6bd4\u9078\u64c7\u5132\u84c4\u96aa\u591a\u51fa\u8d85\u904e 220 \u842c\u5143\uff0c\u9019\u5c31\u662f\u5132\u84c4\u96aa\u5de8\u5927\u7684\u6a5f\u6703\u6210\u672c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u7279\u6b8a\u5132\u84c4\u96aa\u7684\u984d\u5916\u9677\u9631<\/mark><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u7f8e\u5143\u4fdd\u55ae\u7f3a\u9ede\uff1a\u532f\u7387\u98a8\u96aa\u7684\u96d9\u9762\u5203<\/h3>\n\n\n\n<p>\u8a31\u591a\u4eba\u88ab\u7f8e\u5143\u4fdd\u55ae\u8f03\u9ad8\u7684\u5229\u7387\u5438\u5f15\uff0c\u537b\u5ffd\u7565\u4e86\u300c\u532f\u7387\u98a8\u96aa\u300d\uff0c\u82e5\u672a\u4f86\u53f0\u5e63\u6301\u7e8c\u5347\u503c\uff0c\u671f\u6eff\u5f8c\u5c07\u7f8e\u5143\u63db\u56de\u53f0\u5e63\u6642\uff0c\u53ef\u80fd\u6703\u4fb5\u8755\u6389\u60a8\u5927\u90e8\u5206\u7684\u5229\u606f\u6536\u76ca\uff0c\u751a\u81f3\u8667\u640d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u300c\u5229\u7387\u8b8a\u52d5\u578b\u7d42\u8eab\u58fd\u96aa\u300d\u7f3a\u9ede\uff1a\u5ba3\u544a\u5229\u7387\u4e0d\u7b49\u65bc\u4fdd\u8b49\u5229\u7387<\/h3>\n\n\n\n<p>\u9019\u985e\u4fdd\u55ae\u6703\u7528\u4e00\u500b\u770b\u8d77\u4f86\u5f88\u9ad8\u7684\u5ba3\u544a\u5229\u7387\u5438\u5f15\u4f60\uff0c\u4f46\u9019\u500b\u5229\u7387\u662f\u4e0d\u4fdd\u8b49\u7684\u3001\u6703\u8b8a\u52d5\u7684\uff0c\u771f\u6b63\u4fdd\u8b49\u7684\u53ea\u6709\u4e00\u500b\u975e\u5e38\u4f4e\u7684\u300c\u9810\u5b9a\u5229\u7387\u300d\uff0c\u7576\u5e02\u5834\u5229\u7387\u8d70\u4f4e\u6642\uff0c\u5be6\u969b\u6536\u76ca\u5c07\u6703\u5927\u6253\u6298\u6263<\/p>\n\n\n\n<p>\u5728\u770b\u6e05\u5132\u84c4\u96aa\u7f3a\u9ede\u5f8c\uff0c\u6211\u5011\u61c9\u8a72\u601d\u8003\u4ec0\u9ebc\u624d\u662f\u771f\u6b63\u80fd\u5e6b\u52a9\u6211\u5011\u7d2f\u7a4d\u8ca1\u5bcc\u7684\u5de5\u5177\uff1f\u7b54\u6848\u662f\uff1a\u4e00\u500b\u900f\u660e\u3001\u4f4e\u6210\u672c\u3001\u5177\u5099\u9577\u671f\u589e\u9577\u6f5b\u529b\u7684\u5168\u7403\u5316\u6295\u8cc7\u7d44\u5408<\/p>\n\n\n\n<h2 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