{"id":14899,"date":"2025-12-16T14:43:53","date_gmt":"2025-12-16T06:43:53","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14899"},"modified":"2025-12-17T13:37:39","modified_gmt":"2025-12-17T05:37:39","slug":"%e8%b5%b0%e9%81%8e-2025-%e7%9a%84%e9%9b%b2%e9%9c%84%e9%a3%9b%e8%bb%8a%ef%bc%9a%e7%b5%a6%e9%95%b7%e6%9c%9f%e6%8a%95%e8%b3%87%e4%ba%ba%e7%9a%84-3-%e5%a4%a7%e5%95%9f%e7%a4%ba%e8%88%87-6-%e5%80%8b","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14899","title":{"rendered":"\u8d70\u904e 2025 \u7684\u96f2\u9704\u98db\u8eca\uff1a\u7d66\u9577\u671f\u6295\u8cc7\u4eba\u7684 3 \u5927\u555f\u793a\u8207 6 \u500b\u95dc\u9375\u6559\u8a13"},"content":{"rendered":"\n<p>\u6587\uff0f\u963f\u723e\u767c\u6295\u9867 \u6295\u8cc7\u9867\u554f \u8a79\u7fd4\u5b87 Shawn<\/p>\n\n\n\n<p>\u56de\u9867 2025 \u5e74\u7684\u91d1\u878d\u5e02\u5834\uff0c\u82e5\u8981\u7528\u4e00\u500b\u8a5e\u4f86\u5f62\u5bb9\uff0c\u5927\u6982\u53ea\u6709\u300c\u96f2\u9704\u98db\u8eca\u300d\u6700\u70ba\u8cbc\u5207\u3002\u6211\u5011\u7d93\u6b77\u4e86\u8b93\u4eba\u5c4f\u606f\u7684\u6b77\u53f2\u65b0\u9ad8\uff0c\u4e5f\u633a\u904e\u4e86\u4ee4\u4eba\u5fc3\u9a5a\u81bd\u8df3\u7684\u6025\u6bba\u76e4\u6574\u3002\u5c0d\u65bc\u4e00\u4f4d\u300c\u88ab\u52d5\u6295\u8cc7\u300d\u8207\u300c\u8cc7\u7522\u914d\u7f6e\u300d\u7684\u9577\u671f\u6295\u8cc7\u8005\u800c\u8a00\uff0c2025 \u5e74\u7121\u7591\u662f\u542b\u91d1\u91cf\u6975\u9ad8\u7684\u4e00\u5802\u5be6\u6230\u6295\u8cc7\u8ab2\u3002<\/p>\n\n\n\n<p>\u96a8\u8457 2025 \u5c3e\u8072\u4f86\u5230\uff0c\u73fe\u5728\u4e0d\u50c5\u50c5\u662f\u6aa2\u8996\u6295\u8cc7\u7e3e\u6548\u7684\u6642\u523b\uff0c\u66f4\u662f\u8986\u76e4\u500b\u4eba\u6295\u8cc7\u5fc3\u6cd5\u7684\u6642\u523b\u3002\u900f\u904e\u4eca\u5e74\u7684\u5e02\u5834\u6d17\u79ae\uff0c\u6211\u6574\u7406\u4e86 3 \u5927\u555f\u793a\u8207 6 \u500b\u6211\u81ea\u5df1\u89ba\u5f97\u91cd\u8981\u7684\u6295\u8cc7\u6559\u8a13\u3002\u9019\u4e9b\u89c0\u9ede\u4e0d\u53ea\u95dc\u65bc\u6295\u8cc7\u7372\u5229\uff0c\u66f4\u544a\u8a34\u6211\u5011\u5982\u4f55\u5728\u4e0d\u78ba\u5b9a\u7684\u672a\u4f86\u8207\u91d1\u878d\u5e02\u5834\u4e2d\uff0c\u8d70\u5f97\u66f4\u7a69\u3001\u66f4\u9060\u3001\u66f4\u5b89\u5168\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u555f\u793a\u4e00\uff1a\u4fee\u7149\u5167\u5fc3\u2014\u2014\u4e86\u89e3\u5e02\u5834\u5fc3\u7406\u5b78<\/h1>\n\n\n\n<p>\u6295\u8cc7\u6700\u5927\u7684\u6575\u4eba\u4e0d\u662f\u5e02\u5834\uff0c\u800c\u662f\u4eba\u6027\u30022025 \u5e74\u7d66\u6211\u7684\u524d\u4e09\u500b\u95dc\u9375\u6295\u8cc7\u6559\u8a13\uff0c\u8207\u6295\u8cc7\u4eba\u7684\u4eba\u6027\u6709\u95dc\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6559\u8a13 1\uff1a\u5225\u8b93\u300c\u61fc\u9ad8\u75c7\u300d\u963b\u7919\u4f60\u7684\u8907\u5229\u4e4b\u8def<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"932\" height=\"552\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18522123-1.jpg\" alt=\"\" class=\"wp-image-14913\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18522123-1.jpg 932w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18522123-1-300x178.jpg 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18522123-1-768x455.jpg 768w\" sizes=\"auto, (max-width: 932px) 100vw, 932px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">\u8cc7\u6599\u4f86\u6e90 : CREATIVE PLANNING\u3002<\/p>\n\n\n\n<p>\u7576\u5e02\u5834\u4e0d\u65b7\u5275\u4e0b\u6b77\u53f2\u65b0\u9ad8\u6642\uff0c\u76f4\u89ba\u7e3d\u6703\u544a\u8a34\u6211\u5011\uff1a\u300c\u6f32\u591a\u5fc5\u8dcc\uff0c\u6b77\u53f2\u9ad8\u9ede\u662f\u4e0d\u662f\u8a72\u8dd1\u4e86\uff1f\u300d\u7136\u800c\uff0c2025 \u5e74\u7684\u6578\u64da\u518d\u6b21\u72e0\u72e0\u6253\u81c9\u4e86\u9019\u7a2e\u64c7\u6642\u9032\u51fa\u3001\u98a8\u96aa\u8da8\u907f\u7684\u4eba\u6027\u3002<\/p>\n\n\n\n<p>\u6b77\u53f2\u6578\u64da\u7d66\u4e86\u6211\u5011\u4e00\u500b\u53cd\u76f4\u89ba\u7684\u7b54\u6848\uff1a<strong>\u5e02\u5834\u5275\u65b0\u9ad8\uff0c\u4e0d\u4e00\u5b9a\u662f\u6d3e\u5c0d\u7684\u7d50\u675f\uff0c\u800c\u6709\u53ef\u80fd\u662f\u4e0b\u4e00\u6ce2\u6f32\u52e2\u7684\u958b\u59cb\u3002<\/strong><\/p>\n\n\n\n<p>\u6839\u64da\u7d71\u8a08\uff0c\u7576\u5e02\u5834\u5275\u4e0b\u65b0\u9ad8\u5f8c\uff0c\u6a19\u666e 500 \u6307\u6578\u4e00\u5e74\u5f8c\u7684\u5e73\u5747\u5831\u916c\u7387\u4ecd\u9ad8\u9054 <strong>13.5%<\/strong>\uff1b\u82e5\u62c9\u9577\u81f3\u4e94\u5e74\uff0c\u5e73\u5747\u5831\u916c\u7387\u751a\u81f3\u9ad8\u9054 <strong>82%<\/strong>\u3002\u9019\u544a\u8a34\u6211\u5011\uff0c\u4e00\u500b\u5065\u5eb7\u7684\u7d93\u6fdf\u9ad4\uff0c\u80a1\u5e02\u672c\u5c31\u8a72\u9577\u671f\u5411\u4e0a\uff0c\u6295\u8cc7\u4eba\u4e5f\u61c9\u8a72\u6295\u8cc7\u9019\u7a2e\u7d93\u6fdf\u9ad4\u8eab\u4e0a\u3002\u5e02\u5834\u9577\u671f\u5411\u4e0a\u6210\u9577\uff0c\u82e5\u56e0\u70ba\u300c\u61fc\u9ad8\u300d\u800c\u983b\u7e41\u4e0b\u8eca\uff0c\u4f60\u5f80\u5f80\u6703\u932f\u904e\u591a\u6578\u91cd\u8981\u7684\u4e0a\u6f32\u6642\u523b\uff0c\u4e0d\u6562\u6295\u8cc7\u3001\u73fe\u91d1\u70ba\u738b\u6b63\u662f\u9577\u671f\u6295\u8cc7\u8005\u6700\u5927\u7684\u98a8\u96aa\u8207\u6a5f\u6703\u6210\u672c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6559\u8a13 2\uff1a\u64c1\u62b1\u6050\u61fc \u2014 \u6a5f\u6703\u7e3d\u85cf\u5728\u5e02\u5834\u7684\u9ed1\u6697\u6642\u523b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"598\" height=\"496\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/image-3.png\" alt=\"\" class=\"wp-image-14905\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/image-3.png 598w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/image-3-300x249.png 300w\" sizes=\"auto, (max-width: 598px) 100vw, 598px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">\u8cc7\u6599\u4f86\u6e90 : \u516c\u8996\u65b0\u805e\u622a\u5716\u3002<\/p>\n\n\n\n<p>\u9084\u8a18\u5f97\u4eca\u5e74 4 \u6708\u7684\u95dc\u7a05\u5927\u6230\u55ce\uff1f\u7576\u6642\u7f8e\u570b\u5e02\u5834\u6050\u614c\u6307\u6578\uff08VIX\uff09\u4e00\u5ea6\u98c6\u7834 50\uff0c\u60b2\u89c0\u6c1b\u570d\u76f4\u903c 2008 \u5e74\u91d1\u878d\u6d77\u562f\u3002\u8ca1\u7d93\u65b0\u805e\u5145\u65a5\u8457\u5404\u7a2e\u672b\u65e5\u9810\u8a00\uff0c\u5927\u591a\u6578\u6295\u8cc7\u4eba\u60f3\u7684\u662f\u300c\u5feb\u9003\u5440\u300d\uff0c\u800c\u4e0d\u662f\u300c\u5feb\u4e0a\u8eca\u300d ! \u3002<\/p>\n\n\n\n<p>\u4f46\u9019\u6b63\u662f\u591a\u6578\u6563\u6236\u6295\u8cc7\u8005\u8207\u9802\u5c16\u6295\u8cc7\u8005\u7684\u5206\u6c34\u5dba\u3002\u5c0d\u65bc\u505a\u597d\u8cc7\u7522\u914d\u7f6e\u7684\u6295\u8cc7\u4eba\u800c\u8a00\uff0c<strong>\u6050\u614c\u4e0d\u662f\u707d\u96e3\uff0c\u800c\u662f\u8ca1\u5bcc\u91cd\u65b0\u5206\u914d\u7684\u6a5f\u6703\u3002<\/strong> \u5c31\u50cf\u5df4\u83f2\u7279\u7684\u7d93\u5178\u540d\u8a00\uff1a\u300c\u5225\u4eba\u6050\u61fc\u6642\uff0c\u6211\u8caa\u5a6a\u3002\u300d\u7576\u5e02\u5834\u60c5\u7dd2\u9677\u5165\u6975\u5ea6\u975e\u7406\u6027\u6050\u614c\u6642\uff0c\u5f80\u5f80\u610f\u5473\u8457\u8cc7\u7522\u50f9\u683c\u6703\u56e0\u70ba\u904e\u5ea6\u62cb\u88ab\u800c\u88ab\u4f4e\u4f30\uff0c\u9019\u6642\u5176\u5be6\u662f\u5f88\u597d\u64bf\u4fbf\u5b9c\u7684\u6a5f\u6703\u3002\u5c0d\u65bc\u9577\u671f\u5b9a\u671f\u5b9a\u984d\u6216\u6301\u6709\u80a1\u50b5\u914d\u7f6e\u7684\u6295\u8cc7\u4eba\u800c\u8a00\uff0c\u6bcf\u4e00\u6b21\u6050\u614c\u4e0b\u8dcc\u5176\u5be6\u90fd\u662f\u5e02\u5834\u300c\u6253\u6298\u62cd\u8ce3\u300d\uff0c\u8b93\u4f60\u53ef\u4ee5\u6709\u6a5f\u6703\u653e\u5927\u672a\u4f86\u6295\u8cc7\u7372\u5229\u3001\u52a0\u901f\u8ca1\u52d9\u76ee\u6a19\u7684\u9054\u6210\u6642\u9593\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6559\u8a13 3\uff1a\u76f8\u4fe1\u300c\u53cd\u5f48\u300d\u662f\u5e02\u5834\u7684\u5e38\u614b\u5b9a\u5f8b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"941\" height=\"586\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18530330.jpg\" alt=\"\" class=\"wp-image-14903\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18530330.jpg 941w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18530330-300x187.jpg 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/S__18530330-768x478.jpg 768w\" sizes=\"auto, (max-width: 941px) 100vw, 941px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">\u8cc7\u6599\u4f86\u6e90 : CREATIVE PLANNING\u3002<\/p>\n\n\n\n<p>\u56de\u9867\u6574\u9ad4\u91d1\u878d\u5e02\u5834\u7684\u6210\u9577\u8ecc\u8de1\uff0c\u4f60\u53ef\u4ee5\u767c\u73fe\u5e02\u5834\u672c\u8cea\u4e0a\u5c31\u662f\u4e00\u90e8\u4e0d\u65b7\u91cd\u8907\u300c\u4e0b\u8dcc\u5f8c\u53cd\u5f48\u300d\u7684\u6b77\u53f2\u3002<\/p>\n\n\n\n<p>\u4ee5\u4eca\u5e74\u70ba\u4f8b\uff0c\u7f8e\u570b\u5e02\u5834\u5728 4 \u6708 8 \u65e5\u89f8\u5e95\u5f8c\uff0c\u5230\u5e74\u5e95\u4e0d\u50c5\u6536\u5fa9\u5931\u571f\uff0c\u6a19\u666e 500 \u6307\u6578\u96a8\u5f8c\u66f4\u4e00\u53e3\u6c23\u53cd\u5f48\u4e86 <strong>37%<\/strong>\u3002\u9019\u518d\u6b21\u8b49\u660e\uff0c\u53ea\u6709\u5728\u9ed1\u6697\u66b4\u98a8\u96e8\u4e2d\u80fd\u6c88\u8457\u638c\u8235\u3001\u5805\u5b88\u6295\u8cc7\u7d00\u5f8b\u7684\u4eba\uff0c\u624d\u80fd\u5728\u96e8\u904e\u5929\u6674\u5f8c\u6eff\u8f09\u800c\u6b78\u3002\u8a66\u5716\u8eb2\u904e\u4e0b\u8dcc\u7684\u6295\u8cc7\u4eba\uff0c\u901a\u5e38\u4e5f\u6703\u7cbe\u6e96\u5730\u932f\u904e\u4e0a\u6f32\u7684\u6a5f\u6703\uff0c\u4e0b\u8dcc\u6642\u624b\u4e2d\u6c92\u6709\u9ea5\u5b50\u7684\u4eba\uff0c\u901a\u5e38\u4e0a\u6f32\u6642\u4e5f\u4e0d\u6703\u6709\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u555f\u793a\u4e8c\uff1a\u7b56\u7565\u5e03\u5c40\u2014\u2014\u97cc\u6027\u6bd4\u9810\u6e2c\u66f4\u91cd\u8981<\/h1>\n\n\n\n<p>\u638c\u63e1\u91d1\u878d\u5e02\u5834\u5b9a\u5f8b\u8207\u6295\u8cc7\u4eba\u5fc3\u7406\u5b78\u4ee5\u5f8c\uff0c\u6211\u5011\u9700\u8981\u5177\u9ad4\u7684\u6295\u8cc7\u539f\u5247\u4f86\u652f\u6490\u3002\u63a5\u4e0b\u4f86\u7684\u5169\u500b\u6559\u8a13\uff0c\u662f\u5354\u52a9\u6211\u5011\u5efa\u69cb\u4e00\u500b\u300c\u6253\u4e0d\u5012\u300d\u7684\u6295\u8cc7\u7d44\u5408\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6559\u8a13 4\uff1a\u5168\u7403\u5206\u6563\uff0c\u544a\u5225\u300c\u96c6\u4e2d\u6295\u8cc7\u300d\u7684\u98a8\u96aa<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"633\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/20251216-\u90e8\u843d\u683c\u5716\u7247-1-1024x633.png\" alt=\"\" class=\"wp-image-14901\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/20251216-\u90e8\u843d\u683c\u5716\u7247-1-1024x633.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/20251216-\u90e8\u843d\u683c\u5716\u7247-1-300x185.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/20251216-\u90e8\u843d\u683c\u5716\u7247-1-768x475.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/20251216-\u90e8\u843d\u683c\u5716\u7247-1-1536x949.png 1536w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/12\/20251216-\u90e8\u843d\u683c\u5716\u7247-1-2048x1266.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">\u8cc7\u6599\u4f86\u6e90 : GOOGLE FINANCE \u622a\u5716\u3002<\/p>\n\n\n\n<p>\u904e\u53bb\u5341\u591a\u5e74\uff0c\u300c\u9322\u9032\u7f8e\u80a1\u300d\u4f3c\u4e4e\u6210\u4e86\u7a69\u8cfa\u4e0d\u8ce0\u7684\u4ee3\u540d\u8a5e\u3002\u4f46 2025 \u5e74\u7f8e\u570b\u4ee5\u5916\u570b\u969b\u80a1\u7968\u5e02\u5834\u7684\u5f37\u52e2\u8868\u73fe\u63d0\u9192\u4e86\u6211\u5011\uff1a<strong>\u98a8\u6c34\u8f2a\u6d41\u8f49\uff0c\u6c92\u6709\u6c38\u9060\u7684\u51a0\u8ecd\u3002<\/strong><\/p>\n\n\n\n<p>\u66f4\u503c\u5f97\u8b66\u60d5\u7684\u662f\u300c\u96c6\u4e2d\u6295\u8cc7\u98a8\u96aa\u300d\u3002\u5373\u4fbf\u4f60\u8cb7\u7684\u662f\u53f0\u7063 0050 ETF\u3001\u7f8e\u570b\u6a19\u666e 500 \u6307\u6578 ETF\uff0c\u524d\u5e7e\u5927\u5de8\u982d\u516c\u53f8\u7684\u6b0a\u91cd\u5f80\u5f80\u4f54\u64da\u4e86\u6574\u500b\u6307\u6578\u5927\u7d04 <strong>40-60%<\/strong>\u3002\u9019\u5c31\u50cf\u628a\u6240\u6709\u96de\u86cb\u653e\u5728\u5e7e\u500b\u770b\u8d77\u4f86\u6700\u5805\u56fa\u7684\u7c43\u5b50\u88e1\uff0c\u4e0d\u904e\u4e00\u65e6\u5176\u4e2d\u4e00\u500b\u7c43\u5b50\u7834\u4e86\uff08\u4f8b\u5982\u79d1\u6280\u5de8\u982d\u9762\u81e8\u76e3\u7ba1\u6216\u8ca1\u5831\u4e0d\u5982\u9810\u671f\uff09\uff0c\u4f60\u7684\u8cc7\u7522\u6ce2\u52d5\u4e5f\u5c07\u8d85\u4e4e\u60f3\u50cf\u3002<\/p>\n\n\n\n<p>\u771f\u6b63\u7684\u5206\u6563\u98a8\u96aa\uff0c\u4e0d\u53ea\u662f\u8cb7\u5f88\u591a\u652f\u80a1\u7968\uff0c\u800c\u662f\u505a\u5230\u8de8\u570b\u754c\u3001\u8de8\u7522\u696d\u3001\u8de8\u8cc7\u7522\u985e\u5225\u7684\u914d\u7f6e\u3002\u900f\u904e\u5168\u7403\u5206\u6563\u6295\u8cc7\uff08Global Diversification\uff09\uff0c\u6211\u5011\u624d\u80fd\u78ba\u4fdd\u7121\u8ad6\u4e16\u754c\u7684\u8cc7\u672c\u672a\u4f86\u5982\u4f55\u8f2a\u52d5\uff0c\u6211\u5011\u7684\u8cc7\u7522\u90fd\u80fd\u96e8\u9732\u5747\u9711\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6559\u8a13 5\uff1a<strong>\u6e96\u5099\u597d\u5ea6\u904e\u4e0d\u540c\u9577\u5ea6\u7684\u718a\u5e02\u300c\u51ac\u5929\u300d<\/strong><\/h2>\n\n\n\n<p>\u8a31\u591a\u6295\u8cc7\u4eba\u7fd2\u6163\u7528\u904e\u53bb\u7684\u7d93\u9a57\u4f86\u63a8\u5c0e\u672a\u4f86\uff0c\u9019\u5728\u8ecd\u4e8b\u4e0a\u53eb\u300c\u6253\u4e0a\u4e00\u5834\u6230\u722d\u300d\uff0c\u5728\u6295\u8cc7\u4e0a\u6709\u9019\u6a23\u7684\u601d\u7dad\u5f80\u5f80\u6703\u662f\u81f4\u547d\u50b7\u3002<\/p>\n\n\n\n<p>\u8fd1\u5e7e\u5e74\uff0c\u6211\u5011\u7fd2\u6163\u4e86\u300cV \u578b\u53cd\u8f49\u300d\u7684\u5feb\u901f\u56de\u5347\uff0c\u8a31\u591a\u4eba\u5fd8\u4e86\u6b77\u53f2\u4e0a\u718a\u5e02\u7684\u6a23\u8c8c\u975e\u5e38\u591a\u8b8a\uff0c\u6bcf\u4e00\u6b21\u718a\u5e02\u7684\u72c0\u6cc1\u90fd\u4e0d\u4e00\u6a23\uff0c\u50cf\u662f : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7db2\u8def\u6ce1\u6cab\uff08Dot-com Bubble\uff09\uff1a<\/strong> \u5e02\u5834\u82b1\u4e86 <strong>75 \u500b\u6708<\/strong>\uff08\u8d85\u904e 6 \u5e74\uff09\u624d\u91cd\u56de\u9ad8\u9ede\u3002<\/li>\n\n\n\n<li><strong>\u91d1\u878d\u6d77\u562f\uff08GFC\uff09\uff1a<\/strong> \u5e02\u5834\u82b1\u4e86 <strong>55 \u500b\u6708<\/strong>\uff08\u5feb 5 \u5e74\uff09\u624d\u6536\u5fa9\u5931\u571f\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u6211\u5011\u4e0d\u80fd\u5047\u8a2d\u6bcf\u4e00\u6b21\u4e0b\u8dcc\u90fd\u6703\u5728\u5e7e\u500b\u6708\u5167\u91cd\u65b0\u5275\u65b0\u9ad8\u3002\u8cc7\u7522\u914d\u7f6e\u7684\u6838\u5fc3\u7cbe\u795e\uff0c\u5c31\u662f\u70ba\u5404\u7a2e\u9577\u5ea6\u7684\u300c\u51ac\u5929\u300d\u505a\u597d\u6e96\u5099\u3002\u7121\u8ad6\u662f\u77ed\u66ab\u7684\u5bd2\u6d41\u9084\u662f\u6f2b\u9577\u7684\u51b0\u6cb3\u671f\uff0c\u4f60\u7684\u73fe\u91d1\u6d41\u8207\u8cc7\u7522\u7d44\u5408\u90fd\u5fc5\u9808\u5177\u5099\u8db3\u5920\u7684\u97cc\u6027\uff0c\u624d\u80fd\u6709\u6a5f\u6703\u7b49\u5f85\u6625\u5929\u7684\u5230\u4f86\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u555f\u793a\u4e09\uff1a\u7d42\u6975\u8cc7\u7522\u662f\u4f60\u7684\u6642\u9593\uff0c\u4e0d\u662f\u91d1\u9322<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u6559\u8a13 6\uff1a\u6295\u8cc7\u662f\u70ba\u4e86\u8cb7\u56de\u4f60\u7684\u300c\u6642\u9593\u300d<\/h2>\n\n\n\n<p>\u9019\u662f\u4eca\u5e74\u6700\u91cd\u8981\u7684\u4e00\u8ab2\uff0c\u4eca\u5e74\u5e02\u5834\u6ce2\u52d5\u5f88\u5927\uff0c\u5982\u679c\u6211\u5011\u6bcf\u5929\u76ef\u8457\u76e4\u52e2\uff0c\u8ffd\u9010\u6bcf\u4e00\u79d2\u8cc7\u7522\u4e0a\u7684\u6578\u5b57\u8df3\u52d5\uff0c\u53ea\u70ba\u4e86\u8ffd\u6c42\u90a3\u591a\u51fa\u7684 1%\u30012% \u5831\u916c\uff0c\u4f60\u53ef\u80fd\u6703\u975e\u5e38\u6c72\u6c72\u71df\u71df\u3001\u7dca\u5f35\u516e\u516e\uff0c\u4e5f\u53ef\u80fd\u56e0\u6b64\u932f\u904e\u8eab\u908a\u767c\u751f\u7684\u8a31\u591a\u7f8e\u597d\u6545\u4e8b\uff1b\u5982\u679c\u63db\u500b\u65b9\u5f0f\uff0c\u505a\u597d\u8cc7\u7522\u914d\u7f6e\u4e26\u9577\u671f\u6301\u6709\uff0c\u4eca\u5e74\u80a1\u50b5\u914d\u7f6e\u7684\u6295\u8cc7\u7d44\u5408\u5176\u5be6\u5c31\u6709 10% \u4ee5\u4e0a\u7684\u6210\u9577\u3002<\/p>\n\n\n\n<p>\u5f88\u958b\u5fc3\u5c31\u7b97\u4eca\u5e74\u80a1\u5e02\u9707\u76ea\u5982\u6b64\u4e4b\u5927\uff0c\u4eca\u5e74\u4ee5\u4f86\u9084\u662f\u807d\u5230\u8a31\u591a\u5ba2\u6236\u8ddf\u6211\u5206\u4eab\u6709\u4eba\u8cb7\u4e86\u623f\u5b50\u3001\u6709\u4eba\u5c0f\u670b\u53cb\u51fa\u751f\u3001\u6709\u4eba\u5b58\u4e86\u9322\u5230\u570b\u5916\u65c5\u904a\u4e09\u500b\u6708\u7b49\u7b49\u7684\u7f8e\u597d\u9ad4\u9a57\uff1b\u6211\u5011\u52aa\u529b\u8cfa\u9322\u3001\u52aa\u529b\u6295\u8cc7\uff0c\u7d42\u6975\u76ee\u6a19\u5230\u5e95\u662f\u4ec0\u9ebc\uff1f\u6211\u5011\u6bcf\u5929\u76ef\u8457\u6295\u8cc7\u5e33\u6236\u7684\u6578\u5b57\uff0c\u5e0c\u671b\u5b83\u4e0d\u65b7\u8b8a\u5927\u3002\u7136\u800c\uff0c\u4eba\u751f\u4e2d\u6700\u5bf6\u8cb4\u3001\u82b1\u518d\u591a\u9322\u4e5f\u8cb7\u4e0d\u5230\u7684\u8cc7\u7522\uff0c\u5c31\u662f\u6211\u5011\u7684\u300c\u6642\u9593\u300d\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u6211\u5011\u8db3\u5920\u5e78\u904b\uff0c\u6211\u5011\u9019\u4e00\u8f29\u5b50\u5e73\u5747\u4e5f\u5927\u7d04\u53ea\u6709 <strong>80 \u500b\u590f\u5929<\/strong>\u53ef\u4ee5\u5ea6\u904e\u3002\u56e0\u6b64\uff0c\u6211\u5011\u52aa\u529b\u6295\u8cc7\u7684\u6700\u7d42\u76ee\u7684\uff0c\u4e26\u975e\u50c5\u50c5\u70ba\u4e86\u8b93\u9280\u884c\u5e33\u6236\u6578\u5b57\u8b8a\u5927\uff0c\u800c\u662f\u70ba\u4e86\u8b93\u9019\u77ed\u66ab\u7684\u4eba\u751f\u53ef\u4ee5\u904e\u5f97\u66f4\u7cbe\u5f69\u3001\u64c1\u6709\u66f4\u591a\u7684\u9078\u64c7\u6b0a\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u7684\u771f\u8ae6\uff0c\u5f9e\u4f86\u5c31\u4e0d\u53ea\u662f\u70ba\u4e86\u8b93\u9280\u884c\u5e33\u6236\u7684\u6578\u5b57\u7121\u9650\u8b8a\u5927\uff0c\u6295\u8cc7\u53ea\u662f\u624b\u6bb5\uff0c<strong>\u771f\u6b63\u7684\u76ee\u7684\uff0c\u662f\u70ba\u4e86\u8b93\u6211\u5011\u9019\u6bb5\u77ed\u66ab\u3001\u6709\u9650\u3001\u4e14\u4e0d\u53ef\u9006\u7684\u4eba\u751f\uff0c\u64c1\u6709\u66f4\u591a\u7684\u9078\u64c7\u6b0a\u3001\u7f8e\u597d\u7684\u9ad4\u9a57\u3002<\/strong><\/p>\n\n\n\n<p>\u771f\u6b63\u7684\u8ca1\u5bcc\u81ea\u7531\uff0c\u4e0d\u662f\u64c1\u6709\u4e00\u5ea7\u91d1\u5c71\uff0c\u800c\u662f\u7576\u4f60\u60f3\u628a\u6642\u9593\u82b1\u5728\u5bb6\u4eba\u3001\u5065\u5eb7\u3001\u6216\u5922\u60f3\u4e0a\u6642\uff0c\u4f60\u64c1\u6709\u8aaa\u300c\u597d\u300d\u7684\u80fd\u529b\u3002\u9019\u624d\u662f\u6211\u5011\u627f\u64d4\u98a8\u96aa\u3001\u5805\u6301\u9577\u671f\u6295\u8cc7\u7684\u552f\u4e00\u7406\u7531\u3002<\/p>\n\n\n\n<p>\u795d\u5927\u5bb6 2026 \u5e74\u6295\u8cc7\u9806\u5229 !<\/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\uff0f\u963f\u723e\u767c\u6295\u9867 \u6295\u8cc7\u9867\u554f \u8a79\u7fd4\u5b87 Shawn \u56de\u9867 2025 \u5e74\u7684\u91d1\u878d\u5e02\u5834\uff0c\u82e5\u8981\u7528\u4e00\u500b\u8a5e\u4f86\u5f62\u5bb9\uff0c\u5927\u6982\u53ea\u6709\u300c\u96f2\u9704 [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":14907,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,28,6,30],"tags":[249,295,451,496],"class_list":["post-14899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-28","category-market-update","category-30","tag-249","tag-295","tag-451","tag-496"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14899","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14899"}],"version-history":[{"count":5,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14899\/revisions"}],"predecessor-version":[{"id":14914,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14899\/revisions\/14914"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/14907"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14899"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14899"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}