{"id":14564,"date":"2025-08-05T15:43:36","date_gmt":"2025-08-05T07:43:36","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14564"},"modified":"2026-05-02T10:41:54","modified_gmt":"2026-05-02T02:41:54","slug":"%e6%9c%88%e8%96%aa%e4%b8%89%e8%90%ac%e5%a6%82%e4%bd%95%e5%ad%98%e9%8c%a2%ef%bc%9f4%e6%ad%a5%e9%a9%9f%e5%af%a6%e6%88%b0%e6%95%99%e5%ad%b8%ef%bc%8c%e5%b0%8f%e8%b3%87%e6%97%8f%e8%bc%95%e9%ac%86%e6%bb%be","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14564","title":{"rendered":"\u6708\u85aa\u4e09\u842c\u5982\u4f55\u5b58\u9322\uff1f4\u6b65\u9a5f\u5be6\u6230\u6559\u5b78\uff0c\u5c0f\u8cc7\u65cf\u8f15\u9b06\u6efe\u51fa\u7b2c\u4e00\u6876\u91d1"},"content":{"rendered":"\n<p>\u6708\u85aa\u4e09\u842c\u5982\u4f55\u5b58\u9322\uff1f\u57282025\u5e74\u7684\u53f0\u5317\uff0c\u4e0d\u50c5\u662f\u4e00\u500b\u641c\u5c0b\u95dc\u9375\u5b57\uff0c\u66f4\u662f\u7121\u6578\u5e74\u8f15\u4e0a\u73ed\u65cf\u5fc3\u4e2d\u6700\u771f\u5be6\u7684\u5436\u558a\uff0c\u5149\u662f\u61c9\u4ed8\u623f\u79df\u3001\u4ea4\u901a\u3001\u9910\u98f2\u7b49\u57fa\u672c\u958b\u92b7\u5c31\u5df2\u6349\u895f\u898b\u8098\uff0c\u5132\u84c4\u662f\u9059\u4e0d\u53ef\u53ca\u7684\u5922\u60f3\uff0c\u66f4\u4e0d\u7528\u8aaa\u5feb\u901f\u5b58\u5230100\u842c\u9019\u6a23\u7684\u5b8f\u5927\u76ee\u6a19<\/p>\n\n\n\n<p>\u8a31\u591a\u4eba\u5617\u8a66\u4e86\u300c631\u5b58\u9322\u6cd5\u300d\u3001\u4fe1\u5c01\u7406\u8ca1\u7b49\u5404\u7a2e\u5132\u84c4\u65b9\u6cd5\uff0c\u537b\u4ecd\u7136\u5b58\u4e0d\u5230\u9322\uff0c\u554f\u984c\u4e0d\u662f\u4f60\u4e0d\u5920\u52aa\u529b\uff0c\u800c\u662f\u7528\u932f\u4e86\u65b9\u6cd5\uff0c\u5728\u9019\u500b\u901a\u81a8\u6642\u4ee3\uff0c\u55ae\u7d14\u300c\u7701\u9322\u300d\u5982\u540c\u9006\u6c34\u884c\u821f\uff0c\u60a8\u9700\u8981\u7684\u662f\u4e00\u500b\u80fd\u8b93\u9322\u300c\u81ea\u52d5\u9577\u5927\u300d\u7684\u7cfb\u7d71\u3002<a href=\"https:\/\/roboadvisor.com.tw\/\">\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u7684\u6838\u5fc3\u7406\u5ff5\uff0c\u6b63\u662f\u5e6b\u52a9\u60a8\u7528\u5c0f\u984d\u8cc7\u91d1\uff0c\u900f\u904e\u79d1\u5b78\u5316\u7684\u667a\u80fd\u6295\u8cc7\uff0c\u958b\u555f\u8ca1\u5bcc\u589e\u9577\u7684\u98db\u8f2a\uff0c\u672c\u6587\u5c07\u70ba\u60a8\u63d0\u4f9b\u4e00\u5957\u6700\u5b8c\u6574\u7684\u5be6\u6230\u85cd\u5716\uff0c\u5f9e\u9810\u7b97\u898f\u5283\u3001\u7b56\u7565\u5fc3\u614b\uff0c\u5230\u5177\u9ad4\u7684\u6295\u8cc7\u5de5\u5177\uff0c\u4e00\u6b65\u6b65\u5e36\u60a8\u8d70\u51fa\u6708\u5149\u56f0\u5883\uff0c\u5c07\u6708\u85aa3\u842c\u5b58\u5230\u7b2c\u4e00\u6876\u91d1\u5f9e\u4e0d\u53ef\u80fd\u5316\u70ba\u53ef\u80fd<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/urli.ai\/blog-to-line\" style=\"border-radius:33px\">\u52a0 Line \u8a3b\u518a \u514d\u8cbb\u9ad4\u9a57\u6a5f\u5668\u4eba\u7406\u8ca1\u670d\u52d9<strong>\uff01<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u6708\u85aa 3 \u842c\u5b58\u9322\u7b2c\u4e00\u6b65\uff1a\u638c\u63e1\u73fe\u91d1\u6d41<\/mark><\/h2>\n\n\n\n<p>\u5728\u8ac7\u8ad6\u6295\u8cc7\u4e4b\u524d\uff0c\u6211\u5011\u5fc5\u9808\u5148\u627e\u5230\u53ef\u4ee5\u7528\u65bc\u6295\u8cc7\u7684\u9322\uff0c\u9019\u4e00\u6b65\u7684\u95dc\u9375\uff0c\u4e0d\u5728\u65bc\u6975\u7aef\u7684\u7701\u5403\u5109\u7528\uff0c\u800c\u5728\u65bc\u5efa\u7acb\u4e00\u500b\u6e05\u6670\u3001\u53ef\u57f7\u884c\u7684\u9810\u7b97\u7cfb\u7d71<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5b9a\u7fa9\u4f60\u7684\u85aa\u6c34\uff1a50\/30\/20 \u9810\u7b97\u6cd5\u5247<\/h3>\n\n\n\n<p>\u50b3\u7d71\u7684631\u6cd5\u5247\uff0860%\u751f\u6d3b\u300130%\u5132\u84c4\u300110%\u98a8\u96aa\uff09\u5c0d\u65bc\u6708\u85aa\u4e09\u842c\u7684\u65cf\u7fa4\u53ef\u80fd\u904e\u65bc\u56b4\u82db\uff0c\u6211\u5011\u63a8\u85a6\u66f4\u5177\u5f48\u6027\u7684\u300c50\/30\/20\u9810\u7b97\u6cd5\u5247\u300d<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50% \u5fc5\u8981\u652f\u51fa (Needs)\uff1a\u623f\u79df\u3001\u4ea4\u901a\u3001\u4f19\u98df\u3001\u6c34\u96fb\u8cbb\u7b49\uff0c\u9019\u662f\u60a8\u751f\u5b58\u7684\u57fa\u790e<\/li>\n\n\n\n<li>30% \u60f3\u8981\u652f\u51fa (Wants)\uff1a\u805a\u9910\u3001\u5a1b\u6a02\u3001\u8cfc\u7269\u3001\u65c5\u904a\u7b49\uff0c\u9019\u662f\u63d0\u5347\u751f\u6d3b\u54c1\u8cea\u7684\u958b\u92b7<\/li>\n\n\n\n<li>20% \u5132\u84c4\u8207\u6295\u8cc7 (Savings &amp; Investments)\uff1a\u9019\u662f\u60a8\u6539\u8b8a\u672a\u4f86\u7684\u95dc\u9375\u8cc7\u91d1\uff01<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u6708\u85aa 3 \u842c\u82b1\u8cbb\u8a66\u7b97<\/mark><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u9805\u76ee<\/td><td> \u652f\u51fa\u6bd4\u4f8b <br>(50\/30\/20\u6cd5\u5247)<\/td><td>\u91d1\u984d (\u5143) <\/td><td>\u82b1\u8cbb<\/td><\/tr><tr><td>\u7e3d\u6536\u5165<\/td><td><\/td><td>30,000<\/td><td><\/td><\/tr><tr><td>\u5fc5\u8981\u652f\u51fa<\/td><td>50%<\/td><td>15,000<\/td><td>\u623f\u79df\u3001\u4ea4\u901a\u3001\u4f19\u98df\u3001\u96dc\u652f<\/td><\/tr><tr><td>\u60f3\u8981\u652f\u51fa<\/td><td>30%<\/td><td>9,000<\/td><td>\u793e\u4ea4\u5a1b\u6a02\u3001\u8cfc\u7269\u3001\u500b\u4eba\u8208\u8da3\u7b49<\/td><\/tr><tr><td>\u5132\u84c4\/\u6295\u8cc7<\/td><td>20%<\/td><td>6,000<\/td><td>\u9019\u662f\u60a8\u6bcf\u6708\u5fc5\u9808\u512a\u5148\u5b58\u4e0b\u4e26\u6295\u5165\u7684\u91d1\u984d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u63a8\u85a6\u5927\u5bb6\uff1a\u5728\u767c\u85aa\u65e5\u7576\u5929\uff0c\u5c31\u5c07\u9019 6,000 \u5143\u5148\u79fb\u5230\u53e6\u4e00\u500b\u5132\u84c4\u6216\u6295\u8cc7\u5e33\u6236\uff0c\u5269\u4e0b\u7684\u9322\u624d\u80fd\u82b1\uff0c\u6539\u8b8a\u300c\u6708\u5e95\u5269\u591a\u5c11\u5b58\u591a\u5c11\u300d\u7684\u7fd2\u6163\uff0c\u662f\u6210\u529f\u7684\u958b\u59cb<\/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\">\u5b58\u9322\u7684\u771f\u76f8\uff1a\u70ba\u4f55\u6295\u8cc7\u662f\u552f\u4e00\u7684\u51fa\u8def\uff1f<\/mark><\/h2>\n\n\n\n<p>\u5047\u8a2d\u4f60\u6210\u529f\u5730\u6bcf\u6708\u5b58\u4e0b6,000\u5143\uff0c\u63a5\u4e0b\u4f86\u7684\u554f\u984c\u662f\uff1a\u8a72\u5982\u4f55\u8b93\u9019\u7b46\u9322\u6700\u6709\u6548\u7387\u5730\u589e\u9577\uff0c\u4ee5\u9054\u6210\u5feb\u901f\u5b58\u5230100\u842c\u7684\u76ee\u6a19<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u84c4 vs. \u5132\u84c4\uff0b\u6295\u8cc7<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u76ee\u6a19\uff1a\u5b58 100 \u842c\u5143<\/td><td>\u65b9\u6cd5\u4e00\uff1a\u53ea\u9760\u9280\u884c\u5132\u84c4 (\u6708\u5b586\u5343)<\/td><td>\u65b9\u6cd5\u4e8c\uff1a\u5132\u84c4\uff0b\u8070\u660e\u6295\u8cc7 <br>(\u6708\u62956\u5343, 7%\u5e74\u5316\u5831\u916c)<\/td><\/tr><tr><td>\u9054\u6210\u6642\u9593<\/td><td>167\u500b\u6708 (\u7d0414\u5e74)<\/td><td>117\u500b\u6708 (\u7d049.7\u5e74)<\/td><\/tr><tr><td>\u7e3d\u6295\u5165\u672c\u91d1<\/td><td>100\u842c\u5143<\/td><td>70.2\u842c\u5143<\/td><\/tr><tr><td>\u5229\u606f\uff0f\u6295\u8cc7\u6536\u76ca<\/td><td>\u5fae\u4e4e\u5176\u5fae<\/td><td>29.8\u842c\u5143<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u900f\u904e\u6295\u8cc7\uff0c\u4e0d\u50c5\u63d0\u65e9\u4e86\u8d85\u904e 4 \u5e74\u9054\u6210\u76ee\u6a19\uff0c\u66f4\u91cd\u8981\u7684\u662f\uff0c\u5728\u9019 100 \u842c\u4e2d\uff0c\u6709\u5c07\u8fd1 30 \u842c\u5143\u662f\u9760<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14005\">\u9322\u6efe\u9322<\/a>\u8cfa\u4f86\u7684\uff0c\u800c\u975e\u4f60\u7684\u8840\u6c57\u9322\uff0c\u5c0d\u65bc\u6708\u85aa 3 \u842c\u5b58\u9322\u7684\u65cf\u7fa4\u4f86\u8aaa\uff0c\u9019\u7b46\u984d\u5916\u6536\u76ca\uff0c\u662f\u4f60\u64fa\u812b\u56f0\u5883\u7684\u95dc\u9375\u52a0\u901f\u5668<\/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\">\u5982\u4f55\u958b\u555f\u4f60\u7684\u9322\u6efe\u9322\u8a08\u756b\uff1f<\/mark><\/h2>\n\n\n\n<p>\u65e2\u7136\u6295\u8cc7\u5982\u6b64\u91cd\u8981\uff0c\u4e00\u500b\u6708\u53ea\u6709\u5e7e\u5343\u5143\u7684\u5c0f\u8cc7\u65cf\uff0c\u8a72\u5982\u4f55\u958b\u59cb\uff1f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5c0f\u8cc7\u65cf\u5e38\u898b\u8d77\u9ede\uff1a\u5b9a\u671f\u5b9a\u984dETF<\/h3>\n\n\n\n<p>\u5c0d\u65bc\u65b0\u624b\u800c\u8a00\uff0c\u5b9a\u671f\u5b9a\u984dETF\u662f\u9060\u6bd4\u5b9a\u671f\u5b9a\u984d\u5b58\u80a1\u6216\u8cb7\u57fa\u91d1\u66f4\u7406\u60f3\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u52dd\u904e\u5b58\u80a1\uff1aETF\u672c\u8eab\u5c31\u662f\u4e00\u7c43\u5b50\u80a1\u7968\uff0c\u80fd\u6709\u6548\u5206\u6563\u55ae\u4e00\u516c\u53f8\u7684\u7d93\u71df\u98a8\u96aa\u3002<\/li>\n\n\n\n<li>\u52dd\u904e\u57fa\u91d1\uff1aETF\u7684\u7ba1\u7406\u6210\u672c\u6975\u4f4e\uff0c\u9577\u671f\u4e0b\u4f86\u80fd\u70ba\u60a8\u7701\u4e0b\u53ef\u89c0\u7684\u8cbb\u7528\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14511\">2025 \u6700\u65b0\u5b9a\u671f\u5b9a\u984dETF\uff5c10\u5927 ETF \u5167\u6263\u8cbb\u7528\u8207\u5238\u5546\u624b\u7e8c\u8cbb\u5168\u516c\u958b<\/a><\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5176\u5be6\u9078\u64c7\u50b3\u7d71\u5b9a\u671f\u5b9a\u984d\u53ea\u662f\u505a\u534a\u5957<\/p>\n\n\n\n<p>\u8a31\u591a\u4eba\u6703\u9078\u64c7\u6bcf\u6708\u6263\u6b3e\u8cb7\u300c\u4e00\u6a94\u300d\u53f0\u80a1ETF\uff0c\u9019\u96d6\u7136\u662f\u597d\u7684\u958b\u59cb\uff0c\u4f46\u4ecd\u9762\u81e8\u4e09\u5927\u6311\u6230\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u98a8\u96aa\u4e0d\u5920\u5206\u6563\uff1a\u60a8\u7684\u8cc7\u7522100%\u96c6\u4e2d\u5728\u53f0\u7063\u5e02\u5834\uff0c\u7121\u6cd5\u62b5\u79a6\u5340\u57df\u6027\u7684\u7cfb\u7d71\u98a8\u96aa<\/li>\n\n\n\n<li>\u7f3a\u4e4f\u518d\u5e73\u8861\uff1a\u6295\u8cc7\u7d44\u5408\u7684\u80a1\u50b5\u6bd4\u4f8b\u6703\u96a8\u5e02\u5834\u6ce2\u52d5\u800c\u504f\u96e2\uff0c\u82e5\u7121\u9069\u6642\u8abf\u6574\uff0c\u98a8\u96aa\u53ef\u80fd\u5728\u4e0d\u77e5\u4e0d\u89ba\u4e2d\u5347\u9ad8<\/li>\n\n\n\n<li>\u5fc3\u9b54\u96e3\u4ee5\u514b\u670d\uff1a\u5e02\u5834\u5927\u8dcc\u6642\uff0c\u6050\u61fc\u6703\u8b93\u60a8\u8f15\u6613\u5730\u4e2d\u65b7\u6263\u6b3e\uff0c\u932f\u5931\u6524\u5e73\u6210\u672c\u7684\u6700\u4f73\u6642\u6a5f<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u963f\u723e\u767c\u5168\u65b9\u4f4d\u5b9a\u671f\u5b9a\u984d\u670d\u52d9\uff0c\u88dc\u8db3\u6240\u6709\u7f3a\u53e3<\/mark><\/h2>\n\n\n\n<p>\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u6838\u5fc3\uff0c\u5c31\u662f\u63d0\u4f9b\u4e00\u5957\u66f4\u8070\u660e\u3001\u66f4\u5b8c\u6574\u7684\u300c\u667a\u80fd\u5b9a\u671f\u5b9a\u984d\u300d\u670d\u52d9\uff0c\u5c08\u70ba\u89e3\u6c7a\u4e0a\u8ff0\u75db\u9ede\u800c\u751f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5168\u7403\u5316\u6295\u8cc7\u7d44\u5408\uff0c\u800c\u4e0d\u53ea\u662f\u4e00\u6a94 ETF<\/h3>\n\n\n\n<p>\u6211\u5011\u4e0d\u662f\u8b93\u4f60\u53ea\u8cb7\u4e00\u6a94\u53f0\u80a1ETF\uff0c\u800c\u662f\u6839\u64da\u4f60\u7684\u98a8\u96aa\u5c6c\u6027\uff0c\u70ba\u4f60\u5b9a\u671f\u5b9a\u984d\u6295\u5165\u4e00\u500b\u7531 10-20 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