{"id":1479,"date":"2021-03-02T09:27:00","date_gmt":"2021-03-02T01:27:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1479"},"modified":"2021-03-02T09:27:00","modified_gmt":"2021-03-02T01:27:00","slug":"%e3%80%90%e6%b8%ba%e5%b0%8f%e7%9a%84%e7%89%a1%e8%a0%a3%e6%ae%ba%e6%89%8b%ef%bc%9a%e8%9a%b5%e5%b2%a9%e8%9e%ba%e3%80%91%e6%8a%95%e8%b3%87%e8%b3%ba%e4%b8%8d%e5%88%b0%e9%8c%a2%ef%bc%9f%e5%b0%8f%e5%bf%83","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1479","title":{"rendered":"\u3010\u6e3a\u5c0f\u7684\u7261\u8823\u6bba\u624b\uff1a\u86b5\u5ca9\u87ba\u3011\u6295\u8cc7\u8cfa\u4e0d\u5230\u9322\uff1f\u5c0f\u5fc3\u90fd\u662f\u6295\u8cc7\u6210\u672c\u60f9\u7684\u798d\uff01"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\"><p>\u57fa\u91d1\u4e4b\u7236\u7d04\u7ff0\uff0e\u4f2f\u683c\uff1a\u300c\u6210\u672c\u7684\u5c0f\u5c0f\u5dee\u7570\uff0c\u5c07\u53ef\u4ee5\u7522\u751f\u512a\u8d8a\u7684\u9577\u671f\u5831\u916c\u3002\u300d<\/p><\/blockquote>\n\n\n\n<p>\u300e\u6295\u8cc7\u6210\u672c\u300f\u4e00\u76f4\u662f\u6295\u8cc7\u4eba\u8f03\u4e0d\u5e38\u6ce8\u610f\u7684\u8b70\u984c\uff0c<\/p>\n\n\n\n<p>\u4f46\u6295\u8cc7\u6210\u672c\u5728\u9577\u671f\u6295\u8cc7\u4e0a\u5176\u5be6\u662f\u6295\u8cc7\u4eba\u975e\u5e38\u91cd\u8981\u7684\u8ab2\u984c\uff0c<\/p>\n\n\n\n<p>\u8a31\u591a\u6295\u8cc7\u4eba\u9577\u671f\u6295\u8cc7\u7121\u6cd5\u7372\u5229\u7684\u75db\u9ede\uff0c<\/p>\n\n\n\n<p>\u5176\u5be6\u5f88\u5927\u4e00\u90e8\u5206\u539f\u56e0\u662f\u56e0\u70ba<strong>\u6295\u8cc7\u6210\u672c\u904e\u9ad8\u3001\u7372\u5229\u90fd\u88ab\u6295\u8cc7\u6210\u672c\u7d66\u4fb5\u8755\u4e86\uff0c<\/strong><br \/><strong><br \/><\/strong>\u9019\u5468\u7528\u8f15\u9b06\u7684\u6d77\u6d0b\u52d5\u7269\u5c0f\u6545\u4e8b\uff0c<\/p>\n\n\n\n<p>\u5e36\u5927\u5bb6\u4e86\u89e3\u300e\u6295\u8cc7\u6210\u672c\u300f\u7684\u91cd\u8981\u6027\uff0c<\/p>\n\n\n\n<p>\u8a31\u591a\u670b\u53cb\u5011\u5728\u904e\u5f80\u7684\u6295\u8cc7\u7d93\u9a57\u4e0a\u5f9e\u4f86\u6c92\u6ce8\u610f\u904e\u6295\u8cc7<strong>\u6210\u672c<\/strong>\u7684\u5728\u6295\u8cc7\u4e0a\u7684\u89d2\u8272(\u5305\u62ec\u4ea4\u6613\u624b\u7e8c\u8cbb\u548c\u7522\u54c1\u7684\u5167\u542b\u8cbb\u7528\u7b49)\uff0c<\/p>\n\n\n\n<p>\u76f4\u89ba\u4e0a\u5927\u5bb6\u90fd\u89ba\u5f97\u770b\u4f3c\u6bd4\u4f8b\u4e0d\u9ad8\u7684\u6295\u8cc7\u6210\u672c\u4e0d\u6703\u5c0d\u9577\u671f\u8cc7\u7522\u9020\u6210\u592a\u5927\u7684\u5f71\u97ff\uff0c<\/p>\n\n\n\n<p><strong>\u4f46\u771f\u7684\u662f\u9019\u6a23\u55ce\uff1f<\/strong><br \/><strong><br \/><\/strong>\u5148\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u500b\u3010\u6e3a\u5c0f\u7684\u7261\u8823\u6bba\u624b\uff1a\u86b5\u5ca9\u87ba\u3011\u6545\u4e8b<strong>\u3010\u6e3a\u5c0f\u7684\u7261\u8823\u6bba\u624b\uff1a\u86b5\u5ca9\u87ba\u3011\u6545\u4e8b\u958b\u59cb<\/strong>\u53f0\u5357\u4e03\u80a1\u5340\u662f\u53f0\u7063\u672c\u5cf6\u6700\u897f\u7aef\u7684\u884c\u653f\u5340\uff0c\u8a72\u5340\u5c6c\u6ff1\u6d77\u5730\u5340\uff0c\u5730\u5f62\u591a\u70ba\u6f6e\u6c50\u7058\u5730\u3001\u6c99\u6d32\u3001\u6f5f\u6e56\uff0c\u751f\u614b\u4f73\u3001\u74b0\u5883\u7f8e\uff0c\u6cbf\u5cb8\u591a\u7d05\u6a39\u6797\uff0c\u70ba\u5019\u9ce5\u7fa4\u805a\u68f2\u606f\u4e4b\u5730\uff0c\u5340\u5167\u7684\u66fe\u6587\u6eaa\u51fa\u6d77\u53e3\u66f4\u662f\u7015\u81e8\u7d55\u7a2e\u9ce5\u985e\uff1a\u9ed1\u9762\u7435\u9dfa\u5728\u5168\u7403\u6700\u91cd\u8981\u7684\u68f2\u606f\u5730\u4e4b\u4e00\u3002<br \/>\u5728\u6c23\u5019\u4e0a\u5c6c\u71b1\u5e36\u5b63\u98a8\u6c23\u5019\u7684\u4e03\u80a1\uff0c\u5177\u6709\u8c50\u5bcc\u7684\u6d77\u9bae\u8cc7\u6e90\uff0c\u8a31\u591a\u4eba\u5230\u4e03\u80a1\u66f4\u4e00\u5b9a\u8981\u54c1\u5617\u4e00\u4e0b\u98a8\u5473\u6975\u4f73\u7684\u7261\u8823\u7b49\u6d77\u9bae\u7f8e\u98df\u3002<br \/>\u7261\u8823\u7d20\u6709\u300c\u6d77\u5e95\u725b\u5976\u300d\u4e4b\u7f8e\u7a31\uff0c\u6975\u5bcc\u7d93\u6fdf\u50f9\u503c\u8207\u71df\u990a\u50f9\u503c\uff0c\u8a31\u591a\u4eba\u751a\u81f3\u628a\u7261\u8823\u8996\u70ba\u9910\u684c\u4e0a\u7684\u73cd\u54c1\uff0c\u4e03\u80a1\u7684\u86b5\u8fb2\u5c0d\u7261\u8823\u66f4\u662f\u7d30\u5fc3\u5475\u8b77\uff0c\u56e0\u70ba\u7260\u662f\u8a31\u591a\u86b5\u8fb2\u91cd\u8981\u7684\u7d93\u6fdf\u6536\u5165\u4f86\u6e90\uff0c<br \/>\u4f46\u2026\u5099\u53d7\u9955\u5ba2\u5011\u559c\u611b\u7684\u7261\u8823\u537b\u6709\u4e00\u500b\u4ee4\u7260\u975e\u5e38\u5bb3\u6015\u7684\u5929\u6575\uff0c\u4e5f\u662f\u86b5\u8fb2\u6700\u75db\u6068\u7684\u96b1\u5f62\u6bba\u624b \u2014\u2014 \u7260\u53eb\u300e\u86b5\u5ca9\u87ba\u300f\u3002<br \/>\u86b5\u5ca9\u87ba\u5225\u540d\u300c\u86b5\u87ba\u300d\uff0c\u6bbc\u9577\u7d04 3 \u516c\u5206\u5de6\u53f3\uff0c\u5206\u4f48\u5728\u5168\u7701\u5404\u5ca9\u7901\u6d77\u5cb8\u7684\u6f6e\u9593\u5e36\u6216\u7d05\u6a39\u6797\u6cbc\u6fa4\u5730\u3002\u86b5\u87ba\u559c\u6b61\u6500\u722c\u5728\u5ca9\u58c1\u6216\u86b5\u67b6\u4e0a\uff0c\u4ee5\u5176\u4ed6\u87ba\u8c9d\u985e\u70ba\u98df\uff0c\u800c\u4e14\u7279\u5225\u559c\u6b61\u5403\u7261\u8823\uff0c\u9019\u96bb\u5c0f\u5c0f\u87ba\u985e\u6709\u4ec0\u9ebc\u53b2\u5bb3\u4e4b\u8655\uff1f<br \/>\u4e0d\u8981\u5c0f\u770b\u5b83\uff0c\u9019\u96bb\u5c0f\u6d77\u6d0b\u751f\u7269\u662f\u7261\u8823\u548c\u86b5\u8fb2\u7684\u60e1\u5922\uff01<br \/>\u86b5\u87ba\u975e\u5e38\u72e1\u733e\uff0c\u7260\u914d\u5099\u4e86\u50cf\u87ba\u65cb\u947d\u4e00\u6a23\u7684\u89f8\u624b\uff0c\u9019\u89f8\u624b\u6703\u5206\u6ccc\u4e00\u7a2e\u9178\u6027\u7684\u5316\u6bbc\u6db2\uff0c\u9019\u7a2e\u5316\u6bbc\u6db2\u662f\u4e00\u7a2e\u6d88\u5316\u9176\uff0c\u53ef\u4ee5\u5728\u7261\u8823\u6bbc\u4e0a\u947d\u51fa\u4e00\u500b\u5f88\u5c0f\u7684\u5b54\uff0c<br \/>\u900f\u904e\u9019\u500b\u5c0f\u5b54\uff0c\u96d6\u7136\u901f\u5ea6\u5f88\u6162\uff0c\u4f46\u86b5\u87ba\u53ef\u4ee5\u4e00\u9ede\u4e00\u6ef4\u5730\u541e\u566c\u6389\u9ad4\u578b\u6bd4\u81ea\u5df1\u5927\u597d\u5e7e\u500d\u7684\u7261\u8823\uff0c\u5c07\u5176\u4e00\u9ede\u4e00\u9ede\u5730\u5438\u51fa\u76f4\u5230\u7261\u8823\u6d88\u5931\u3002<br \/><strong>\u662f\u7684\uff0c\u770b\u4f3c\u4e0d\u8d77\u773c\u7684\u86b5\u5ca9\u87ba\uff0c\u9577\u671f\u5c07\u5c0d\u9ad4\u578b\u5927\u597d\u5e7e\u500d\u7684\u7261\u8823\u9020\u6210\u6975\u5927\u7684\u50b7\u5bb3\uff01<\/strong><strong>\u6545\u4e8b\u8aaa\u660e\uff1a\u5ffd\u8996\u6295\u8cc7\u6210\u672c\u7684\u5b58\u5728\uff0c\u52e2\u5fc5\u5c07\u5728\u6295\u8cc7\u4e0a\u9444\u6210\u5929\u5927\u7684\u707d\u5bb3\u3002<\/strong>\u6295\u8cc7\u6210\u672c\u770b\u4f3c\u4e0d\u8d77\u773c\uff0c\u9577\u671f\u6b63\u4e00\u9ede\u4e00\u6ef4\u5730\u4fb5\u8755\u6295\u8cc7\u4eba\u7684\u6295\u8cc7\u7372\u5229\uff01<br \/><strong>\u4f60\u7684\u6295\u8cc7\u7d44\u5408\u88e1\u662f\u4e0d\u662f\u4e5f\u6500\u9644\u8457\u6e3a\u5c0f\u537b\u4ee4\u4eba\u75db\u6068\u7684\u86b5\u5ca9\u87ba\u5462\uff1f<\/strong><strong><br \/><\/strong>\u5728\u6295\u8cc7\u7406\u8ca1\u4e0a\uff0c\u300e\u6210\u672c\u300f\u7684\u5b58\u5728\u6df1\u6df1\u5730\u5f71\u97ff\u8457\u6295\u8cc7\u4eba\u9577\u671f\u5831\u916c\u7684\u8868\u73fe\uff0c<br \/>\u983b\u7e41\u4ea4\u6613\u6216\u662f\u9ad8\u6210\u672c\u7684\u6295\u8cc7\u5de5\u5177\uff08\u5982\uff1a\u50b3\u7d71\u5171\u540c\u57fa\u91d1\uff09\uff0c<br \/>\u5c31\u50cf\u6545\u4e8b\u4e2d\u7684\u86b5\u5ca9\u87ba\uff0c<br \/><strong>\u5ffd\u8996\u5176\u6e3a\u5c0f\u7684\u5b58\u5728\u6975\u6709\u53ef\u80fd\u9444\u6210\u5929\u5927\u7684\u707d\u5bb3\uff0c<\/strong><strong><br \/><\/strong><strong>\u9ad8\u6210\u672c\u7684\u6295\u8cc7\u884c\u70ba\u8207\u6295\u8cc7\u5de5\u5177\u9577\u671f\u5c07\u56b4\u91cd\u4fb5\u8755\u6295\u8cc7\u4eba\u7684\u7372\u5229\u8868\u73fe\uff0c<\/strong><strong><br \/><\/strong><strong>\u770b\u4f3c\u4e0d\u8d77\u773c\u7684\u6bd4\u4f8b\uff0c\u9577\u671f\u7a4d\u7d2f\u4e5f\u5c07\u9020\u6210\u6295\u8cc7\u4eba\u56b4\u91cd\u7684\u640d\u5931\u3002<\/strong><strong><br \/><\/strong>\u3010\u8209\u4f8b\u8aaa\u660e\u3011\u5047\u8a2d\u6709\u4e09\u6a94\u5546\u54c1\uff08\u5206\u5225\u4ee5\u7d05\u7dda\u3001\u85cd\u7dda\u3001\u7da0\u7dda\u8868\u793a\uff09\uff0c<br \/>\u5176\u5e74\u5316\u5831\u916c\u7387\u90fd\u662f 5%\uff0c\u7d05\u7dda\u5546\u54c1\u5b8c\u5168\u6c92\u6709\u5167\u542b\u8cbb\u7528\uff0c\u85cd\u7dda\u5546\u54c1\u7684\u5167\u542b\u8cbb\u7528\u6bcf\u5e74 1\uff05\uff0c\u7da0\u7dda\u5546\u54c1\u7684\u5167\u542b\u8cbb\u7528\u6bcf\u5e74 2% \u3002<br \/>\u4ee5\u4e0b\u5206\u5225\u5728\u6b64\u4e09\u6a94\u5546\u54c1\u4e2d\u5404\u6295 1,000 \u842c\uff0c\u9032\u884c 15 \u5e74\u898f\u5283\uff0c\u5176\u7372\u5229\u8868\u73fe\u7684\u8a66\u7b97\u6bd4\u8f03\uff1a<br \/><strong>\u9577\u671f\u6295\u8cc7 15 \u5e74\u4e0b\u4f86\uff0c\u7d05\u7dda\u5546\u54c1\u6210\u9577\u5230 2,079 \u842c\uff1b<\/strong><strong><br \/><\/strong><strong>\u85cd\u7dda\u5546\u54c1\u53ef\u4ee5\u6210\u9577\u5230 1,801 \u842c\uff0c\u6bd4\u7d05\u7dda\u5546\u54c1\u5c11\u4e86 287 \u842c\uff1b<\/strong><strong><br \/><\/strong><strong>\u7da0\u7dda\u5546\u54c1\u53ef\u4ee5\u6210\u9577\u5230 1,558 \u842c\uff0c\u6bd4\u7d05\u7dda\u5546\u54c1\u5c11\u4e86 521 \u842c\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/%E5%9C%96%E7%89%872-3.png\" alt=\"\" class=\"wp-image-6189\"\/><\/figure>\n\n\n\n<p>\u6295\u8cc7\u6210\u672c\u9577\u671f\u5c0d\u65bc\u8cc7\u7522\u6210\u9577\u7684\u5f71\u97ff\u3002\u4f5c\u8005\u81ea\u884c\u6574\u7406\u3002<strong><br \/><\/strong><strong>\u6295\u8cc7\u6210\u672c(\u86b5\u5ca9\u87ba)\u6b63\u4e00\u9ede\u4e00\u6ef4\u4fb5\u8755\u6295\u8cc7\u4eba\u7684\u7372\u5229(\u7261\u8823)\uff0c<\/strong><strong><br \/><\/strong><strong>\u6210\u672c\u7684\u91cd\u8981\u6027\u6295\u8cc7\u4eba\u6ce8\u610f\u5230\u4e86\u55ce\uff1f<\/strong><strong>\u8cbb\u7528\u8207\u5831\u916c\u7387\u7684\u6578\u64da\u8aaa\u660e\u8207\u555f\u793a\u3002<\/strong>2020 \u5e74\u7f8e\u570b\u77e5\u540d\u671f\u520a\u6307\u6578\u6295\u8cc7\u6708\u5831\uff08The Journal of Index Investing\uff09\u767c\u8868\u4e86\u4e00\u7bc7\u300a\u8cbb\u7528\u8207\u5831\u916c\u8868\u73fe\uff08Advisory Fee and Mutual Fund Returns\uff09\u300b\u7684\u7814\u7a76\u5831\u544a\uff0c<br \/>\u5176\u7814\u7a76\u5718\u968a\u5728 2000 \u5e74\u81f32017 \u5e74\u671f\u9593\uff0c\u91dd\u5c0d\u7f8e\u570b 945 \u6a94\u57fa\u91d1\uff0c\u505a\u4e86\u57fa\u91d1\u5167\u542b\u8cbb\u7528\u8207\u5831\u916c\u8868\u73fe\u7684\u95dc\u806f\u6027\u7814\u7a76\uff0c\u5f97\u51fa\u4e09\u9ede\u7d50\u8ad6\u8207\u555f\u793a\uff1a<\/p>\n\n\n\n<p><strong>1. \u5728\u6574\u500b\u6a23\u672c\u7d71\u8a08\u671f\u9593\uff0c\u7f8e\u570b\u57fa\u91d1\u5167\u542b\u8cbb\u7528\u5f9e 0.77\uff05 \u4e0b\u964d\u5230 0.67\uff05\uff0c\u4e0b\u964d\u4e86 13\uff05\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/%E5%9C%96%E7%89%874-2.png\" alt=\"\" class=\"wp-image-6190\"\/><\/figure>\n\n\n\n<p>\u7f8e\u570b\u57fa\u91d1\u5167\u542b\u8cbb\u7528\u9577\u671f\u8da8\u52e2\u5716\u3002\u8cc7\u6599\u4f86\u6e90\uff1aInvestment Company Institute\u3002<strong><br \/><\/strong><strong>\u7d66\u6295\u8cc7\u4eba\u555f\u793a\uff1a\u7f8e\u570b\u9577\u671f\u6295\u8cc7\u6210\u672c\u5448\u73fe\u4e0b\u964d\u8da8\u52e2\uff01<\/strong><br \/><strong><br \/><\/strong>\u7531\u4e0a\u8868\u53ef\u4ee5\u767c\u73fe\uff0c\u57282017\u5e74\uff0c<br \/>\u7f8e\u570b\u4e3b\u52d5\u5f0f\u57fa\u91d1\u5e73\u5747\u5167\u542b\u8cbb\u7528\u5df2\u7d93\u964d\u5230\u7d040.55%-0.78%\uff0c<br \/>\u6307\u6578\u578b\u57fa\u91d1\u5e73\u5747\u5167\u542b\u8cbb\u7528\u66f4\u662f\u4f4e\u5ec9\uff0c\u7d04\u57280.07%-0.09%\uff0c<br \/>\u4ee5\u53f0\u7063\u76ee\u524d\u57fa\u91d1\u7522\u696d\u7684\u6536\u8cbb\u5e73\u5747\uff0c<br \/>\u4e3b\u52d5\u5f0f\u57fa\u91d1\u5e73\u5747\u5167\u542b\u8cbb\u7528\u7d041%-2.5%\uff0c<br \/>\u6307\u6578\u578b\u57fa\u91d1\u5e73\u5747\u5167\u542b\u8cbb\u7528\u7d04\u57280.2%-1%\uff0c<br \/>\u53f0\u7063\u8cc7\u7522\u7ba1\u7406\u516c\u53f8\u9084\u6709\u5f88\u5927\u7684\u52aa\u529b\u7a7a\u9593\u3002<br \/><strong>2. \u5468\u8f49\u7387\u8207\u5831\u916c\u7387\u4e4b\u9593\u7684\u76f8\u95dc\u6027\u70ba\u8ca0\u76f8\u95dc\u4e14\u5177\u6709\u7d71\u8a08\u610f\u7fa9\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/%E5%9C%96%E7%89%875-3.png\" alt=\"\" class=\"wp-image-6191\"\/><\/figure>\n\n\n\n<p>\u5468\u8f49\u7387\u8207\u6de8\u5831\u916c\u7387\u5448\u73fe\u8ca0\u76f8\u95dc\u3002\u8cc7\u6599\u4f86\u6e90\uff1aINVESTING FOREVER ADVISORY\u3002<strong><br \/><\/strong><strong>\u7d66\u6295\u8cc7\u4eba\u555f\u793a\uff1a\u983b\u7e41\u4ea4\u6613\u53ca\u8f49\u63db\u6a19\u7684\u6703\u5c0d\u6295\u8cc7\u7e3e\u6548\u7522\u751f\u8ca0\u9762\u5f71\u97ff\uff01<\/strong><strong><br \/><\/strong>\u7531\u4e0a\u5716\u5716\u8868\u53ef\u4ee5\u767c\u73fe\uff0c<br \/>\u96a8\u8457\u5468\u8f49\u7387(\u4ea4\u6613\u983b\u7387)(\u7070\u8272\u67f1\u72c0\u5716)\u7684\u589e\u52a0\uff0c\u6295\u8cc7\u4eba\u7684\u6295\u8cc7\u6de8\u5831\u916c(\u9ed1\u8272\u67f1\u72c0\u5716)\u5448\u73fe\u905e\u6e1b\u7684\u8da8\u52e2\uff0c<br \/><strong>\u53ef\u898b\u77ed\u7dda\u64c7\u6642\u4ea4\u6613\u4e26\u4e0d\u5bb9\u6613\uff0c\u5927\u591a\u6578\u6295\u8cc7\u4eba\u7684\u4ea4\u6613\u884c\u70ba\u4e26\u6c92\u6709\u70ba\u81ea\u5df1\u5e36\u4f86\u5831\u916c\uff0c<\/strong><strong><br \/><\/strong><strong>\u53ea\u662f\u5f92\u589e\u4ea4\u6613\u6210\u672c\uff0c\u4e26\u932f\u904e\u5e02\u5834\u5831\u916c\uff0c<\/strong><strong><br \/><\/strong><strong>\u964d\u4f4e\u5468\u8f49\u7387(\u4ea4\u6613\u983b\u7387)\uff0c\u9577\u671f\u5f85\u5728\u5e02\u5834\u4e0a\u624d\u662f\u6709\u5229\u65bc\u6295\u8cc7\u4eba\u6295\u8cc7\u5831\u916c\u7684\u65b9\u5f0f\u3002<\/strong><strong><br \/><\/strong><strong>3.\u6c92\u6709\u8b49\u64da\u8b49\u660e\u66f4\u9ad8\u7684\u5167\u542b\u8cbb\u7528\u80fd\u70ba\u6295\u8cc7\u4eba\u5e36\u4f86\u66f4\u597d\u7684\u7e3e\u6548\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/EItRYinX0AAS5m0.jpg\" alt=\"\" class=\"wp-image-6192\"\/><\/figure>\n\n\n\n<p>2019\u5e74\u7f8e\u570b\u4e3b\u52d5\u5f0f\u57fa\u91d1\u843d\u5f8c S&amp;P 500 \u6bd4\u4f8b\u3002\u5716\u7247\u4f86\u6e90\uff1aSPIVA\u3002<strong><br \/>\u7d66\u6295\u8cc7\u4eba\u555f\u793a\uff1a\u70ba\u7372\u5f97\u66f4\u9ad8\u7684\u5831\u916c\u7387\u800c\u652f\u4ed8\u9ad8\u6602\u7684\u57fa\u91d1\u5167\u542b\u8cbb\u7528\u662f\u4e0d\u503c\u5f97\u7684\u3002<\/strong><br \/>\u7531\u4e0a\u5716\u5716\u8868\u53ef\u4ee5\u767c\u73fe\uff0c<br \/>\u652f\u4ed8\u9ad8\u6602\u7684\u57fa\u91d1\u5167\u542b\u8cbb\u7528\u7d66\u5c08\u696d\u7d93\u7406\u4eba\u64cd\u76e4\uff0c<br \/>\u6578\u64da\u986f\u793a\u4e0d\u4f46\u70ba\u6295\u8cc7\u4eba\u5e36\u4f86\u8d85\u984d\u5831\u916c\uff0c<br \/>\u5927\u90e8\u5206\u7684\u57fa\u91d1\u5831\u916c\u8868\u73fe\u53cd\u800c\u662f\u843d\u5f8c\u5927\u76e4\u6307\u6578\u7684\uff0c<br \/>\u5728\u7f8e\u570b\uff0c\u7d71\u8a08\u4e00\u5e74\u7684\u5831\u916c\u8868\u73fe\uff0c\u670964.49%\u7684\u57fa\u91d1\u8868\u73fe\u843d\u5f8c\u5927\u76e4\uff0c<br \/>\u5728\u7f8e\u570b\uff0c\u7d71\u8a08\u4e09\u5e74\u7684\u5831\u916c\u8868\u73fe\uff0c\u670978.98%\u7684\u57fa\u91d1\u8868\u73fe\u843d\u5f8c\u5927\u76e4\uff0c<br \/>\u5728\u7f8e\u570b\uff0c\u7d71\u8a08\u4e94\u5e74\u7684\u5831\u916c\u8868\u73fe\uff0c\u670982.14%\u7684\u57fa\u91d1\u8868\u73fe\u843d\u5f8c\u5927\u76e4\uff0c<br \/><strong>\u6642\u9593\u8d8a\u9577\u57fa\u672c\u4e0a\u57fa\u91d1\u8868\u73fe\u8981\u52dd\u904e\u5927\u76e4\u6307\u6578\u7684\u6a5f\u6703\u8d8a\u5c11\uff0c<br \/>\u7d93\u7406\u4eba\u672c\u8eab\u8981\u53d6\u5f97\u8d85\u8d8a\u5e02\u5834\u7684\u8d85\u984d\u5831\u916c\u5df2\u7d93\u975e\u5e38\u4e0d\u5bb9\u6613\uff0c<br \/>\u518d\u52a0\u4e0a\u9ad8\u6602\u7684\u57fa\u91d1\u5167\u542b\u6210\u672c\uff0c<br \/>\u6295\u8cc7\u4eba\u8981\u900f\u904e\u9ad8\u6295\u8cc7\u6210\u672c\u7684\u5171\u540c\u57fa\u91d1\u8cfa\u53d6\u8d85\u984d\u5831\u916c\u771f\u7684\u975e\u5e38\u56f0\u96e3\uff0c<br \/>\u76f8\u53cd\u7684\uff0c\u53ea\u8981\u6301\u6709\u4f4e\u6210\u672c\u3001\u8ffd\u8e64\u5927\u76e4\u7684ETF\uff0c<br \/>\u9577\u671f\u900f\u904e\u9019\u6a23\u7684\u6295\u8cc7\u65b9\u5f0f\u5c31\u8db3\u4ee5\u6253\u6557\u5e02\u5834\u4e0a7-8\u6210\u5de6\u53f3\u7684\u57fa\u91d1\u7d93\u7406\u4eba\uff01<br \/><\/strong><em>\u80a1\u795e\u83ef\u502b\uff0e\u5df4\u83f2\u7279\uff08Warren Buffett\uff09\u4e00\u76f4\u662f\u4f4e\u6210\u672c\u6307\u6578\u5316\u5de5\u5177\u7684\u63a8\u5d07\u8005\uff0c\u4ed6\u66fe\u8868\u793a\uff1a\u300c\u5927\u591a\u6578\u6a5f\u69cb\u6295\u8cc7\u4eba\u8207\u6563\u6236\u6703\u767c\u73fe\uff0c\u6301\u6709\u80a1\u7968\u7684\u6700\u4f73\u9014\u5f91\u662f\u6295\u8cc7\u6536\u53d6\u6700\u4f4e\u8cbb\u7528\u7684\u6307\u6578\u578b\u57fa\u91d1\uff0c\u9078\u64c7\u9019\u689d\u8def\u7684\u4eba\uff0c\u7d50\u679c\u80af\u5b9a\u6703\u52dd\u904e\u7d55\u5927\u591a\u6578\u5c08\u696d\u6295\u8cc7\u4eba\u58eb\u63d0\u4f9b\u7684\u6de8\u5831\u916c\u3002\u300d<\/em><\/p>\n\n\n\n<p><br \/><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/roboadvisor.com.tw\/questions.aspx\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2020\/09\/2-02-1024x591.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u57fa\u91d1\u4e4b\u7236\u7d04\u7ff0\uff0e\u4f2f\u683c\uff1a\u300c\u6210\u672c\u7684\u5c0f\u5c0f\u5dee\u7570\uff0c\u5c07\u53ef\u4ee5\u7522\u751f\u512a\u8d8a\u7684\u9577\u671f\u5831\u916c\u3002\u300d \u300e\u6295\u8cc7\u6210\u672c\u300f\u4e00\u76f4\u662f\u6295\u8cc7\u4eba\u8f03\u4e0d\u5e38\u6ce8\u610f\u7684\u8b70\u984c\uff0c [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28,10,17],"tags":[],"class_list":["post-1479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-28","category-10","category-17"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1479"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1479\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/1480"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}