{"id":14886,"date":"2025-12-05T11:16:43","date_gmt":"2025-12-05T03:16:43","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14886"},"modified":"2025-12-05T11:17:18","modified_gmt":"2025-12-05T03:17:18","slug":"%e8%81%96%e8%aa%95%e8%80%81%e5%85%ac%e5%85%ac%e6%9c%83%e7%99%bc%e7%b4%85%e5%8c%85%e5%97%8e%ef%bc%9f%e6%8f%ad%e5%af%86%e7%be%8e%e8%82%a1%e3%80%8c%e8%81%96%e8%aa%95%e8%a1%8c%e6%83%85%e3%80%8d%e7%9a%84-7","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14886","title":{"rendered":"\u8056\u8a95\u8001\u516c\u516c\u6703\u767c\u7d05\u5305\u55ce\uff1f\u63ed\u5bc6\u7f8e\u80a1\u300c\u8056\u8a95\u884c\u60c5\u300d\u7684 79% \u52dd\u7387\u8207\u6295\u8cc7\u771f\u76f8"},"content":{"rendered":"\n<p>\u6587\/\u963f\u723e\u767c\u6295\u9867 \u8a79\u7fd4\u5b87 Shawn \u6295\u8cc7\u9867\u554f\u90e8\u7d93\u7406 <\/p>\n\n\n\n<p>\u96a8\u8457\u8857\u9053\u4e0a\u7684\u8056\u8a95\u71c8\u98fe\u4eae\u8d77\uff0c\u6295\u8cc7\u4eba\u7684\u5fc3\u4e5f\u8ddf\u8457\u8e81\u52d5\u8d77\u4f86\u3002\u6bcf\u5e74\u5230\u4e86 12 \u6708\uff0c\u8ca1\u7d93\u5a92\u9ad4\u7e3d\u6703\u71b1\u70c8\u8a0e\u8ad6\u4e00\u500b\u8a71\u984c\uff1a\u300c\u8056\u8a95\u884c\u60c5\u300d\uff08Santa Claus Rally\uff09\u662f\u5426\u6703\u964d\u81e8\uff1f<\/p>\n\n\n\n<p>\u8eab\u70ba\u6295\u8cc7\u9867\u554f\uff0c\u6211\u7d93\u5e38\u88ab\u554f\u5230\uff1a\u300c\u73fe\u5728\u9032\u5834\u662f\u4e0d\u662f\u80fd\u8cfa\u4e00\u6ce2\u8056\u8a95\u8ca1\uff1f\u300d\u5982\u679c\u4f60\u4e5f\u6b63\u60f3\u8457\u662f\u5426\u8a72\u5728\u6b64\u6642\u52a0\u78bc\u62bc\u6ce8\uff0c\u8acb\u5148\u505c\u4e0b\u4f86\uff0c\u82b1\u4e94\u5206\u9418\u770b\u5b8c\u9019\u7bc7\u7d50\u5408\u6b77\u53f2\u7d71\u8a08\u8cc7\u6599\u8207\u8cc7\u7522\u914d\u7f6e\u7684\u5206\u6790\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/unnamed-9-1024x572.png\" alt=\"\" class=\"wp-image-14887\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/unnamed-9-1024x572.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/unnamed-9-300x167.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/unnamed-9-768x429.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/unnamed-9-1536x857.png 1536w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/unnamed-9-2048x1143.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4e00\u3001 \u4ec0\u9ebc\u662f\u771f\u6b63\u7684\u300c\u8056\u8a95\u884c\u60c5\u300d\uff1f<\/strong><\/h2>\n\n\n\n<p>\u9996\u5148\uff0c\u6211\u5011\u5f97\u5148\u91d0\u6e05\u5b9a\u7fa9\u3002\u5f88\u591a\u4eba\u8aa4\u4ee5\u70ba\u300c\u8056\u8a95\u884c\u60c5\u300d\u6307\u7684\u662f\u6574\u500b 12 \u6708\u7684\u4e0a\u6f32\uff0c\u4f46\u9019\u662f\u4e0d\u7cbe\u78ba\u7684\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u300a\u80a1\u7968\u4ea4\u6613\u8005\u5e74\u9451\u300b\uff08Stock Trader\u2019s Almanac\uff09\u5275\u8fa6\u4eba\u8036\u9b6f\u00b7\u8d6b\u5e0c\uff08Yale Hirsch\uff09\u5728 1972 \u5e74\u63d0\u51fa\u7684\u5b9a\u7fa9\uff0c\u771f\u6b63\u7684\u8056\u8a95\u884c\u60c5\u662f\u6307<strong>\u300c\u6bcf\u5e74 12 \u6708\u7684\u6700\u5f8c 5 \u500b\u4ea4\u6613\u65e5\uff0c\u52a0\u4e0a\u9694\u5e74 1 \u6708\u7684\u524d 2 \u500b\u4ea4\u6613\u65e5\u300d<\/strong>\uff0c\u9019\u77ed\u77ed 7 \u500b\u4ea4\u6613\u65e5\u7684\u7279\u5b9a\u5340\u9593\u3002<\/p>\n\n\n\n<p>\u70ba\u4ec0\u9ebc\u9019\u500b\u5340\u9593\u5982\u6b64\u7279\u5225\uff1f\u83ef\u723e\u8857\u6709\u4e00\u53e5\u540d\u8a00\uff1a\u300c<strong>\u5982\u679c\u8056\u8a95\u8001\u4eba\u6253\u96fb\u8a71\u4f86\uff0c\u901a\u5e38\u662f\u597d\u6d88\u606f\uff1b\u4f46\u4ed6\u82e5\u6c92\u4f86\uff0c\u718a\u53ef\u80fd\u5c31\u6703\u8ddf\u8457\u4f86\u3002<\/strong>\u300d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4e8c\u3001 \u6b77\u53f2\u5927\u6578\u64da\uff1a\u8056\u8a95\u8001\u4eba\u7684\u7e3e\u6548\u55ae<\/strong><\/h2>\n\n\n\n<p>\u8b93\u6211\u5011\u7528\u6578\u64da\u8aaa\u8a71\u3002\u6839\u64da Investopedia \u5f15\u7528\u7684\u6b77\u53f2\u7d71\u8a08\uff0c\u81ea 1950 \u5e74\u4ee5\u4f86\uff0cS&amp;P 500 \u6307\u6578\u5728\u9019 7 \u5929\u7684\u7279\u5b9a\u6642\u9593\u4e2d\uff0c<strong>\u5e73\u5747\u5831\u916c\u7387\u7d04\u70ba 1.3%<\/strong>\u3002\u66f4\u9a5a\u4eba\u7684\u662f\uff0c\u9019\u6bb5\u671f\u9593\u80a1\u5e02\u4e0a\u6f32\u7684\u6a5f\u7387\u9ad8\u9054 <strong>79%<\/strong>\u3002<\/p>\n\n\n\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u80a1\u5e02\u5728\u4efb\u4f55\u96a8\u6a5f 7 \u5929\u5167\u7684\u5e73\u5747\u8868\u73fe\u901a\u5e38\u9060\u4f4e\u65bc\u6b64\u3002\u82e5\u6211\u5011\u5c07\u6642\u9593\u8ef8\u62c9\u5f97\u66f4\u9577\uff0c\u5f9e 1928 \u5e74\u958b\u59cb\u7d71\u8a08\uff0c\u9019\u6bb5\u671f\u9593\u7684\u5e73\u5747\u6f32\u5e45\u751a\u81f3\u9054\u5230 1.6%\u3002<\/p>\n\n\n\n<p>\u9664\u4e86\u55ae\u7d14\u7684\u6f32\u5e45\uff0c\u8d6b\u5e0c\u9084\u767c\u73fe\u4e86\u4e00\u500b\u6709\u8da3\u7684\u300c\u4e00\u6708\u4e09\u91cd\u594f\u300d\uff08January Trifecta\uff09\u73fe\u8c61\u662f\uff1a<strong>\u5982\u679c\u300c\u8056\u8a95\u884c\u60c5\u300d\u51fa\u73fe\uff0c\u52a0\u4e0a\u300c\u4e00\u6708\u524d 5 \u500b\u4ea4\u6613\u65e5\u4e0a\u6f32\u300d\uff0c\u4e14\u300c\u4e00\u6708\u6574\u9ad4\u6536\u7d05\u300d<\/strong>\uff0c\u90a3\u9ebc\u8a72\u5e74\u5ea6\u7f8e\u80a1\u4e0a\u6f32\u7684\u6a5f\u7387\u9ad8\u9054 90%\uff0c\u5e73\u5747\u6f32\u5e45\u751a\u81f3\u63a5\u8fd1 18%\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4e09\u3001 \u70ba\u4ec0\u9ebc\u6703\u6709\u8056\u8a95\u884c\u60c5\uff1f\u9664\u4e86\u904b\u6c23\u4e4b\u5916\u7684\u89e3\u91cb<\/strong><\/h2>\n\n\n\n<p>\u5b78\u8853\u754c\u8207\u5e02\u5834\u76f8\u95dc\u5206\u6790\u5e2b\u63d0\u51fa\u4e86\u5e7e\u500b\u5177\u8aaa\u670d\u529b\u7684\u7406\u8ad6\uff0c\u89e3\u91cb\u70ba\u4ec0\u9ebc\u9019\u6bb5\u6642\u9593\u80a1\u5e02\u7279\u5225\u5bb9\u6613\u4e0a\u6f32\uff1a<\/p>\n\n\n\n<p>1. <strong>\u7a05\u52d9\u7b56\u7565\u8207\u8cc7\u91d1\u56de\u88dc<\/strong>\uff1a\u5728\u7f8e\u570b\uff0c\u6295\u8cc7\u4eba\u5f80\u5f80\u6703\u5728 12 \u6708\u4e2d\u65ec\u524d\u8ce3\u51fa\u8667\u640d\u80a1\u7968\u4ee5\u62b5\u6263\u7a05\u984d\uff08Tax-loss harvesting\uff09\uff0c\u9019\u4e9b\u8ce3\u58d3\u7d50\u675f\u5f8c\uff0c\u8cc7\u91d1\u6703\u5728\u6708\u5e95\u91cd\u65b0\u56de\u88dc\u3002<\/p>\n\n\n\n<p>2. <strong>\u6a5f\u69cb\u653e\u5047\uff0c\u6563\u6236\u63a5\u624b<\/strong>\uff1a\u5e74\u672b\u8a31\u591a\u6a5f\u69cb\u6295\u8cc7\u4eba\u8207\u907f\u96aa\u57fa\u91d1\u7d93\u7406\u4eba\u90fd\u5728\u4f11\u5047\uff0c\u5e02\u5834\u6d41\u52d5\u6027\u964d\u4f4e\u3002\u6b64\u6642\u5e02\u5834\u4e3b\u5c0e\u6b0a\u66ab\u6642\u56de\u5230\u6563\u6236\u624b\u4e2d\uff0c\u800c\u6563\u6236\u901a\u5e38\u6bd4\u6a5f\u69cb\u66f4\u50be\u5411\u65bc\u6a02\u89c0\u505a\u591a\u3002<\/p>\n\n\n\n<p>3. <strong>\u6ae5\u7a97\u88dd\u98fe\u6548\u61c9\uff08Window Dressing\uff09<\/strong>\uff1a\u57fa\u91d1\u7d93\u7406\u4eba\u70ba\u4e86\u8b93\u5e74\u5e95\u7684\u6301\u80a1\u540d\u55ae\u597d\u770b\uff0c\u50be\u5411\u8cb7\u5165\u7576\u5e74\u5ea6\u7684\u5f37\u52e2\u80a1\uff0c\u63a8\u5347\u4e86\u80a1\u50f9\u3002<\/p>\n\n\n\n<p>4. <strong>\u7bc0\u65e5\u6a02\u89c0\u60c5\u7dd2<\/strong>\uff1a\u55ae\u7d14\u7684\u8056\u8a95\u5047\u671f\u6c23\u6c1b\u8207\u5e74\u7d42\u734e\u91d1\u7684\u767c\u653e\uff0c\u4e5f\u52a9\u9577\u4e86\u6574\u9ad4\u5e02\u5834\u7684\u8cb7\u6c23\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u56db\u3001 \u8b66\u8a0a\uff1a\u7576\u8056\u8a95\u8001\u4eba\u8ff7\u8def\u7684\u6642\u5019<\/strong><\/h2>\n\n\n\n<p>\u6b77\u53f2\u6578\u64da\u986f\u793a\uff0c\u7576\u9019 7 \u5929\u7684\u7279\u5b9a\u671f\u9593\u80a1\u5e02\u4e0d\u6f32\u53cd\u8dcc\uff0c\u5f80\u5f80\u6697\u793a\u5e02\u5834\u5167\u90e8\u7684\u8cb7\u76e4\u6975\u5ea6\u75b2\u5f31\uff0c\u751a\u81f3\u9810\u793a\u8457\u5373\u5c07\u5230\u4f86\u7684\u52d5\u76ea\u3002\u6700\u8457\u540d\u7684\u5169\u500b\u6848\u4f8b\u767c\u751f\u5728\u5343\u79a7\u5e74\u8207\u91d1\u878d\u6d77\u562f\u524d\u5915\uff1a<\/p>\n\n\n\n<p>\u2022 <strong>1999 \u5e74\u672b<\/strong>\uff1a\u8056\u8a95\u884c\u60c5\u5931\u9748\uff0cS&amp;P 500 \u5728\u8a72\u671f\u9593\u4e0b\u8dcc\u4e86 4%\u3002\u96a8\u5f8c\uff0c\u5e02\u5834\u8fce\u4f86\u4e86\u7db2\u8def\u6ce1\u6cab\u7834\u88c2\uff0c\u9053\u74ca\u6307\u6578\u5728\u63a5\u4e0b\u4f86\u7684 33 \u500b\u6708\u4e2d\u91cd\u632b\u4e86 37.8%\u3002<\/p>\n\n\n\n<p>\u2022 <strong>2007 \u5e74\u672b<\/strong>\uff1a\u8056\u8a95\u8001\u4eba\u518d\u6b21\u7f3a\u5e2d\uff0c\u9019\u6210\u70ba\u4e86 2008 \u5e74\u91d1\u878d\u6d77\u562f\u7206\u767c\u524d\u7684\u65e9\u671f\u9810\u8b66\u8a0a\u865f<\/p>\n\n\n\n<p><strong>\u8fd1\u5169\u5e74\u6578\u64da\u5931\u9748\uff0c\u4e5f\u63d0\u9192\u8457\u6211\u5011\u5b63\u7bc0\u6027\u898f\u5f8b\u4e26\u975e\u9435\u5f8b<\/strong> <\/p>\n\n\n\n<p>\u6211\u5011\u4e0d\u80fd\u50c5\u6191\u85c9\u300c\u904e\u53bb\u5e7e\u5341\u5e74\u5e73\u5747\u6703\u6f32\u300d\u5c31\u76f2\u76ee\u6a02\u89c0\u3002\u4e8b\u5be6\u4e0a\uff0c\u6839\u64da\u8fd1\u671f\u7684\u7d71\u8a08\uff0c\u8056\u8a95\u884c\u60c5\u7684\u300c\u795e\u8a71\u300d\u6b63\u9762\u81e8\u6311\u6230\u3002\u8cc7\u6599\u986f\u793a\uff0c2023 \u5e74\u8207 2024 \u5e74\u7684\u8056\u8a95\u884c\u60c5\u5728\u7d71\u8a08\u4e0a\u5747\u544a\u5931\u6557\uff0c\u7f8e\u80a1\u5728\u8a72\u7279\u5b9a\u671f\u9593\u4e0d\u6f32\u53cd\u8dcc\uff0c\u4f46 2023 \u5e74\u53ca 2024 \u5e74\u80a1\u5e02\u8868\u73fe\u90fd\u975e\u5e38\u4eae\u773c !\u3002\u9019\u9023\u7e8c\u5169\u5e74\u7684\u5931\u9748\u63d0\u9192\u8457\u6211\u5011\uff1a\u5e02\u5834\u7d50\u69cb\u6b63\u5728\u6539\u8b8a\uff0cAI \u71b1\u6f6e\u5e36\u4f86\u7684\u9ad8\u4f30\u503c\u3001\u4ee5\u53ca\u806f\u6e96\u6703\u5229\u7387\u653f\u7b56\u7684\u4e0d\u78ba\u5b9a\u6027\uff0c\u5176\u5f71\u97ff\u529b\u9060\u5927\u65bc\u65e5\u66c6\u4e0a\u7684\u5b63\u7bc0\u6027\u56e0\u7d20\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5c0d\u65bc\u963f\u723e\u767c\u7684\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u8056\u8a95\u884c\u60c5\u4e0d\u61c9\u88ab\u8996\u70ba\u300c\u5fc5\u52dd\u7684\u7d05\u5305\u300d\uff0c\u800c\u61c9\u88ab\u8996\u70ba\u4e00\u500b\u300c\u5e02\u5834\u60c5\u7dd2\u7684\u6eab\u5ea6\u8a08\u300d\u3002\u5982\u679c\u4eca\u5e74\u8056\u8a95\u8001\u4eba\u5982\u671f\u800c\u81f3\uff0c\u6211\u5011\u6b23\u7136\u63a5\u53d7\u5e02\u5834\u7684\u4e0a\u6f32\u5831\u916c\uff1b\u4f46\u82e5\u4ed6\u518d\u6b21\u8ff7\u8def\uff0c\u9019\u6216\u8a31\u6b63\u662f\u5e02\u5834\u5728\u63d0\u9192\u6211\u5011\uff1a\u662f\u6642\u5019\u6aa2\u8996\u98a8\u96aa\u5c6c\u6027\uff0c\u4e26\u900f\u904e\u8cc7\u7522\u914d\u7f6e\u4f86\u5f37\u5316\u6295\u8cc7\u7d44\u5408\u7684\u9632\u79a6\u529b\u4e86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4e94\u3001 \u6295\u8cc7\u4eba\u8a72\u5982\u4f55\u61c9\u5c0d\uff1f\u963f\u723e\u767c\u7684\u8cc7\u7522\u914d\u7f6e\u5fc3\u6cd5<\/strong><\/h2>\n\n\n\n<p>\u9762\u5c0d\u6b77\u53f2\u6578\u64da\u52dd\u7387 79% \u52dd\u7387\u7684\u8a98\u60d1\uff0c\u6295\u8cc7\u4eba\u8a72\u600e\u9ebc\u505a\uff1fAll-in \u8cb7\u9032\u55ce\uff1f\u7576\u7136\u4e0d\u662f\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u9577\u671f\u6295\u8cc7\u4eba\u8207\u9000\u4f11\u898f\u5283\u8005\u4f86\u8aaa\uff0c\u8056\u8a95\u884c\u60c5\u61c9\u8a72\u88ab\u8996\u70ba\u4e00\u500b\u300c\u6709\u8da3\u7684\u7d71\u8a08\u73fe\u8c61\u300d\uff0c\u800c\u4e0d\u662f\u6539\u8b8a\u6295\u8cc7\u7b56\u7565\u7684\u7406\u7531\u3002\u4ee5\u4e0b\u662f\u7d50\u5408\u963f\u723e\u767c\u6295\u8cc7\u54f2\u5b78\u7684\u4e09\u500b\u61c9\u5c0d\u7b56\u7565\uff1a<\/p>\n\n\n\n<p><strong>1. \u5805\u5b88\u9577\u671f\u8cc7\u7522\u914d\u7f6e\uff0c\u4e0d\u8981\u8a66\u5716\u64c7\u6642\u4ea4\u6613\uff08Market Timing\uff09<\/strong>:<\/p>\n\n\n\n<p> \u8056\u8a95\u884c\u60c5\u96d6\u7136\u5e73\u5747\u6709 1.3% \u7684\u6f32\u5e45\uff0c\u4f46\u70ba\u4e86\u9019 1.3% \u53bb\u983b\u7e41\u9032\u51fa\uff0c\u4f60\u53ef\u80fd\u6703\u56e0\u70ba\u4ea4\u6613\u6210\u672c\u8207\u8aa4\u5224\u6642\u6a5f\u800c\u5f97\u4e0d\u511f\u5931\uff0c\u5c0d\u65bc\u9577\u671f\u6295\u8cc7\u8005\u6216\u9000\u4f11\u5132\u84c4\u8a08\u756b\u7684\u53c3\u8207\u8005\uff0c\u4e0d\u61c9\u56e0\u70ba\u9019\u77ed\u77ed 7 \u5929\u800c\u6539\u8b8a\u9577\u671f\u7b56\u7565\u3002<\/p>\n\n\n\n<p><strong>2. \u4fdd\u6301\u5728\u5e02\u5834\u4e2d\uff08Stay Invested\uff09<\/strong> :<\/p>\n\n\n\n<p>\u8056\u8a95\u884c\u60c5\u7684\u9ad8\u52dd\u7387\u5176\u5be6\u5370\u8b49\u4e86\u4e00\u500b\u9053\u7406\uff1a<strong>\u5e02\u5834\u9577\u671f\u662f\u5411\u4e0a\u7684<\/strong>\u3002\u5982\u679c\u4f60\u56e0\u70ba\u5bb3\u6015\u6ce2\u52d5\u800c\u9078\u64c7\u7a7a\u624b\u89c0\u671b\uff0c\u4f60\u6975\u6709\u53ef\u80fd\u932f\u904e\u50cf\u8056\u8a95\u884c\u60c5\u9019\u6a23\u77ed\u6642\u9593\u5167\u63a8\u5347\u5831\u916c\u7684\u95dc\u9375\u6642\u523b\u3002\u900f\u904e\u6a5f\u5668\u4eba\u7406\u8ca1\u9032\u884c\u300c\u5168\u7403\u591a\u5143\u5206\u6563\u6295\u8cc7\u300d\uff0c\u78ba\u4fdd\u4f60\u7684\u8cc7\u91d1\u59cb\u7d42\u505c\u7559\u5728\u5e02\u5834\u4e2d\uff0c\u624d\u80fd\u5b8c\u6574\u6355\u6349\u5230\u9019\u4e9b\u5b63\u7bc0\u6027\u7684\u4e0a\u6f32\u7d05\u5229\u3002<\/p>\n\n\n\n<p><strong>3. \u628a\u300c\u518d\u5e73\u8861\u300d\u7576\u4f5c\u4f60\u7684\u8056\u8a95\u79ae\u7269<\/strong> :<\/p>\n\n\n\n<p>\u8207\u5176\u731c\u6e2c\u4eca\u5e74\u8056\u8a95\u8001\u4eba\u6703\u4e0d\u6703\u4f86\uff0c\u4e0d\u5982\u5229\u7528\u5e74\u5e95\u9032\u884c\u300c\u6295\u8cc7\u7d44\u5408\u518d\u5e73\u8861\u300d\uff08Rebalancing\uff09\u3002\u5982\u679c\u4f60\u624b\u4e2d\u7684\u80a1\u7968\u90e8\u4f4d\u56e0\u70ba\u4eca\u5e74\u7684\u5927\u6f32\u800c\u6bd4\u4f8b\u904e\u9ad8\uff0c\u5e74\u5e95\u6b63\u662f\u7372\u5229\u4e86\u7d50\u90e8\u5206\u90e8\u4f4d\u3001\u8cb7\u5165\u88ab\u4f4e\u4f30\u8cc7\u7522\uff08\u5982\u50b5\u5238\uff09\u7684\u597d\u6642\u6a5f\u3002\u9019\u4e0d\u50c5\u7b26\u5408\u300c\u8cb7\u4f4e\u8ce3\u9ad8\u300d\u7684\u7d00\u5f8b\uff0c\u4e5f\u80fd\u8b93\u4f60\u5728\u9762\u5c0d\u660e\u5e74\u6f5b\u5728\u7684\u5e02\u5834\u6ce2\u52d5\u6642\uff0c\u64c1\u6709\u66f4\u7a69\u5065\u7684\u9632\u8b77\u7f69\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u7d50\u8ad6<\/strong><\/h2>\n\n\n\n<p>2025 \u5e74\u7684\u8056\u8a95\u884c\u60c5\u662f\u5426\u6703\u5982\u671f\u800c\u81f3\uff1f\u6c92\u4eba\u8aaa\u5f97\u6e96\u3002\u96d6\u7136\u6b77\u53f2\u6578\u64da\u7ad9\u5728\u6a02\u89c0\u7684\u4e00\u65b9\uff0c\u4f46\u6295\u8cc7\u7684\u672c\u8cea\u662f\u7ba1\u7406\u98a8\u96aa\uff0c\u800c\u975e\u8ced\u535a\u3002<\/p>\n\n\n\n<p>\u5728\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\uff0c\u6211\u5011\u76f8\u4fe1\u6700\u597d\u7684\u8056\u8a95\u79ae\u7269\u4e0d\u662f\u77ed\u671f\u66b4\u8cfa\u7684\u660e\u724c\uff0c\u800c\u662f\u4e00\u500b\u300c\u7121\u8ad6\u8056\u8a95\u8001\u4eba\u4f86\u4e0d\u4f86\uff0c\u90fd\u80fd\u8b93\u4f60\u5b89\u5fc3\u7761\u89ba\u300d\u7684\u5168\u7403\u8cc7\u7522\u914d\u7f6e\u6295\u8cc7\u8a08\u756b\u3002<\/p>\n\n\n\n<p>\u4eca\u5e74\u8056\u8a95\u7bc0\uff0c\u4e0d\u59a8\u597d\u597d\u653e\u4e0b\u76ef\u76e4\u7684\u624b\u6a5f\uff0c\u4eab\u53d7\u8207\u5bb6\u4eba\u5718\u805a\u7684\u6642\u5149\uff0c\u628a\u8907\u96dc\u7684\u6295\u8cc7\u6c7a\u7b56\u4ea4\u7d66\u5c08\u696d\u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u8207\u8cc7\u7522\u914d\u7f6e\u5427\uff01<\/p>\n\n\n\n<p>\u4f60\u89ba\u5f97\u4eca\u5e74\u8056\u8a95\u884c\u60c5\u6703\u4e0a\u6f32\u9084\u662f\u4e0b\u8dcc\u5462 ? \u6b61\u8fce\u7559\u8a00\u544a\u8a34\u6211\u5011 !<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">\u963f\u723e\u767c\u966a\u60a8\u4e00\u8d77\u5b89\u5fc3\u9054\u6210\u8ca1\u52d9\u76ee\u6a19<\/h2>\n\n\n\n<p>\u60f3<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4878\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b9a\u671f\u5b9a\u984d<\/a>\u6295\u8cc7\u7f8e\u80a1 <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" target=\"_blank\" rel=\"noreferrer noopener\">ETF<\/a> \u589e\u52a0\u88ab\u52d5\u6536\u5165\uff0c\u963f\u723e\u767c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" target=\"_blank\" rel=\"noopener\" title=\"\">\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u80fd\u8b93\u4f60\u4e00\u7ad9\u5f0f\u505a\u597d\u898f\u5283\uff0c\u5e6b\u4f60\u8ffd\u8e64<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=825\" title=\"\u8ca1\u52d9\u76ee\u6a19\u662f\u4ec0\u9ebc\uff1f\u76ee\u6a19\u5c0e\u5411\u6295\u8cc7\">\u8ca1\u52d9\u76ee\u6a19<\/a>\u9054\u6210\u7387\uff0c\u5e6b\u4f60\u6311\u9078\u4f4e\u6210\u672c\u7684 ETF <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=8918\" title=\"\u6295\u8cc7\u7d44\u5408\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u627e\u5230\u6700\u4f73\u7684\u6295\u8cc7\u7d44\u5408\uff1f\">\u6295\u8cc7\u7d44\u5408<\/a>\uff0c\u6295\u8cc7\u4e4b\u5f8c 24 \u5c0f\u6642\u8ffd\u8e64\u8207<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1703\" target=\"_blank\" rel=\"noopener\" title=\"\">\u81ea\u52d5\u518d\u5e73\u8861<\/a>\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6709\u5176\u4ed6\u7406\u8ca1\u554f\u984c\uff0c\u8a3b\u518a\u6703\u54e1\u5f8c\u9084\u80fd\u514d\u8cbb\u9810\u7d04\u4f60\u5c08\u5c6c\u7684\u8ca1\u52d9\u9867\u554f\u9032\u884c\u8aee\u8a62\u3002<\/p>\n\n\n\n<p>\u5fc3\u52d5\u4e0d\u5982\u884c\u52d5\uff0c\u9ede\u64ca\u4e0b\u65b9\u9023\u7d50\uff0c\u8b93\u4eca\u5929\u7684\u6295\u8cc7\u66f4\u8f15\u9b06\uff0c\u660e\u5929\u7684\u751f\u6d3b\u66f4\u7f8e\u597d\uff01<\/p>\n\n\n\n<div class=\"wp-block-buttons 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 aligncenter is-style-fill\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/roboadvisor.com.tw\/ChooseLogin.html?Camp=Blog&amp;utm_source=blog&amp;utm_medium=article&amp;utm_campaign=addline\" style=\"border-radius:33px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9 Line \u514d\u8cbb\u9810\u7d04\u6295\u8cc7\u9867\u554f\uff01<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\uff5c\u4e94\u5927\u7279\u8272\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/uolAIt0a2Bk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u963f\u723e\u767c<a title=\"\" href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" target=\"_blank\" rel=\"noopener\">\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\uff08114\u91d1\u7ba1\u6295\u9867\u65b0\u5b57\u7b2c0017\u865f\uff09\u662f\u5168\u53f0\u552f\u4e00\u7372\u91d1\u693d\u734e\u3001\u91d1\u5f5d\u734e\u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u6295\u9867\u516c\u53f8\uff0c\u80fd\u5e6b\u4f60\u8ffd\u8e64\u8ca1\u52d9\u76ee\u6a19\u9054\u6210\u7387\uff0c\u6839\u64da\u4f60\u7684\u72c0\u6cc1\u5e6b\u4f60\u5ba2\u88fd\u5316\u9078\u64c7<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" target=\"_blank\" rel=\"noreferrer noopener\">ETF<\/a>\uff0c\u8b93\u4f60\u4e00\u7ad9\u5f0f\u505a\u597d\u898f\u5283\uff0c\u6295\u8cc7\u4e4b\u5f8c24\u5c0f\u6642\u8ffd\u8e64\u8207<a title=\"\" href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1703\" target=\"_blank\" rel=\"noopener\">\u81ea\u52d5\u518d\u5e73\u8861<\/a>\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6709\u5176\u4ed6\u7406\u8ca1\u554f\u984c\uff0c\u9084\u80fd\u9810\u7d04\u4f60\u5c08\u5c6c\u7684\u8ca1\u52d9\u9867\u554f\u8aee\u8a62\u3002<\/p>\n\n\n\n<p>\u5fc3\u52d5\u4e0d\u5982\u884c\u52d5\uff0c\u9ede\u64ca\u4e0b\u65b9\u9023\u7d50\uff0c\u8b93\u4eca\u5929\u7684\u6295\u8cc7\u66f4\u8f15\u9b06\uff0c\u660e\u5929\u7684\u751f\u6d3b\u66f4\u7f8e\u597d\uff01<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/roboadvisor.com.tw\/Home.html?Camp=Blog\" target=\"_blank\" rel=\"noreferrer noopener\">\u7acb\u5373\u4e86\u89e3\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/a><\/div>\n<\/div>\n\n\n\n<p>\ud83d\udca1\u8fd4\u56de\uff3b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?page_id=5669\" title=\"\">\u4f7f\u7528\u8005\u6559\u5b78\u4e2d\u5fc3<\/a>\uff3d<\/p>\n\n\n\n<p>\ud83d\udca1\u5982\u679c\u904e\u7a0b\u4e2d\u6709\u9700\u8981\u5354\u52a9\uff0c\u8acb\u52a0\u5165<a href=\"https:\/\/lin.ee\/PQSf6zu\" target=\"_blank\" rel=\"noopener\" title=\"\">\u5b98\u65b9LINE@\uff08ID\u641c\u5c0b\uff1a@robo\uff09<\/a>\u6216\u96fb\u6d3d\u260e\ufe0f02-2502-8622\uff08\u5206\u6a5f39\uff09\u806f\u7e6b\u6211\u5011\u7684\u5ba2\u6236\u670d\u52d9\u5718\u968a\uff0c\u6211\u5011\u5c07\u7aed\u8aa0\u70ba\u60a8\u670d\u52d9\uff01<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6587\/\u963f\u723e\u767c\u6295\u9867 \u8a79\u7fd4\u5b87 Shawn \u6295\u8cc7\u9867\u554f\u90e8\u7d93\u7406 \u96a8\u8457\u8857\u9053\u4e0a\u7684\u8056\u8a95\u71c8\u98fe\u4eae\u8d77\uff0c\u6295\u8cc7\u4eba\u7684\u5fc3\u4e5f\u8ddf\u8457\u8e81\u52d5\u8d77\u4f86\u3002\u6bcf\u5e74\u5230 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