{"id":1496,"date":"2021-03-02T09:48:00","date_gmt":"2021-03-02T01:48:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1496"},"modified":"2021-03-02T09:48:00","modified_gmt":"2021-03-02T01:48:00","slug":"%e3%80%902020%e5%b8%82%e5%a0%b4%e5%bf%83%e5%be%97%e3%80%917%e6%88%905%e7%9a%84%e5%9f%ba%e9%87%91%e8%a1%a8%e7%8f%be%e8%90%bd%e5%be%8c%e5%a4%a7%e7%9b%a4%ef%bc%8c%e6%8a%95%e8%b3%87%e4%b8%8a%e7%be%8e","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1496","title":{"rendered":"\u30102020\u5e02\u5834\u5fc3\u5f97\u30117\u62105\u7684\u57fa\u91d1\u8868\u73fe\u843d\u5f8c\u5927\u76e4\uff0c\u6295\u8cc7\u4e0a\u7f8e\u597d\u7684\u4e00\u5e74\uff0c\u4f60\u8ddf\u4e0a\u4e86\u55ce\uff1f"},"content":{"rendered":"\n<p>\u5148\u8aaa\u5728\u9019\u7bc7\u6587\u7ae0\u7684\u958b\u59cb\u524d\uff0c\u6211\u4ecd\u7136\u5efa\u8b70\u6295\u8cc7\u4eba\u61c9\u8a72\u4ee5\u8ffd\u8e64\u5168\u7403\u6574\u9ad4\u5e02\u5834\u4e26\u505a\u597d\u8cc7\u7522\u914d\u7f6e\u7684\u6295\u8cc7\u7d44\u5408\u70ba\u81ea\u5df1\u7684\u6838\u5fc3\u6295\u8cc7\u90e8\u4f4d\uff0c\u55ae\u4e00\u570b\u5bb6\u4ecd\u7136\u5177\u6709\u55ae\u4e00\u5340\u57df\u7684\u98a8\u96aa\uff0c\u900f\u904e\u6301\u6709\u6574\u9ad4\u5e02\u5834\uff0c\u9577\u671f\u800c\u8a00\u53ef\u4ee5\u70ba\u6295\u8cc7\u4eba\u5e36\u4f86\u66f4\u5206\u6563\u548c\u7a69\u5065\u7684\u6548\u679c\uff0c\u6b64\u7bc7\u6587\u7ae0\u4e3b\u8981\u4ee5\u53f0\u7063\u5e02\u5834\u51fa\u767c\u3002<\/p>\n\n\n\n<p>2020\u5e74\u5c0d\u8a31\u591a\u6295\u8cc7\u4eba\u5fc3\u614b\u4e0a\u662f\u6ce2\u6298\u7684\u4e00\u5e74\uff0c\u5e74\u521d\u7a81\u5982\u5176\u4f86\u7684Covid-19\u5f71\u97ff\u5168\u7403\u80a1\u5e02\uff0c3\u6708\u53f0\u7063\u80a1\u7968\u5e02\u5834\u5927\u5e45\u4fee\u6b63(\u8dcc\u5e45\uff1a-26.32%\uff0c\u65e5\u671f\uff1a2020\/01\/01-2020\/03\/19)\uff0c\u60f3\u5fc5\u7576\u6642\u8a31\u591a\u6295\u8cc7\u4eba\u6025\u5fd9\u64a4\u51fa\u5e02\u5834\uff0c\u9ad8\u558a\u53e3\u865f\uff1a\u300c\u73fe\u91d1\u70ba\u738b\u300d\uff1b\u4f46\u5f88\u5feb\u7684\u5927\u76e4\u51fa\u73fe\u53cd\u5f48(\u6f32\u5e4569.76%\uff0c\u65e5\u671f\uff1a2020\/03\/19-2020\/12\/31)\uff0c\u5118\u7ba1\u4e2d\u9593\u7d93\u6b77\u4e86\u8ca0\u6cb9\u50f9\u3001\u75ab\u60c5\u64f4\u6563\u3001\u591a\u500b\u570b\u5bb6\u5c01\u57ce\u3001\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u7b49\u4e0d\u78ba\u5b9a\u6d88\u606f\uff0c\u4e0b\u534a\u5e74\u53f0\u7063\u52a0\u6b0a\u6307\u6578\u57fa\u672c\u4e0a\u662f\u4e00\u500b\u5f37\u52c1\u7684\u591a\u982d\u8d70\u52e2\uff0c2020\u5e74\u5beb\u4e0b\u98a8\u5149\u7684\u4e00\u9801\uff0c\u4f46\u9019\u6a23\u7684\u597d\u8868\u73fe\u60f3\u5fc5\u8a31\u591a\u4eba\u770b\u7684\u5230\uff0c\u537b\u6c92\u6709\u5403\u5230\u3002<\/p>\n\n\n\n<p>\u52d5\u76ea\u7684\u4e00\u5e74\u4f86\uff0c\u4f60\u77e5\u9053\u4eca\u5e74\u8ffd\u8e64\u53f0\u7063\u5927\u578b\u80a1\u7968\u5e02\u5834\u76840050\u7d66\u6295\u8cc7\u4eba\u591a\u5c11\u56de\u5831\u55ce\uff1f<strong>31.63%\uff01<\/strong><\/p>\n\n\n\n<p>\u4f60\u6c92\u770b\u932f\uff0c\u9019\u662f2020\u5e74\u5404\u7a2e\u8ca0\u9762\u6d88\u606f\u4e0b\uff0c\u5e74\u521d\u8cb7\u90320050\u5f8c\u300e\u6309\u5175\u4e0d\u52d5\u300f\uff0c\u6295\u8cc7\u4eba\u53ef\u4ee5\u7372\u5f97\u7684\u5831\u916c\uff0c\u904e\u7a0b\u7576\u4e2d\u4f60\u9700\u8981\u5f88\u53b2\u5bb3\u7684\u9078\u80a1\u6280\u5de7\u55ce?\u4f60\u9700\u8981\u6703\u770b\u7dda\u5716\u55ce?\u4f60\u9700\u8981\u6703\u770b\u8ca1\u5831\u55ce?\u4f60\u9700\u8981\u5f88\u7279\u5225\u7684\u4ea4\u6613\u7b56\u7565\u55ce?\u901a\u901a\u90fd\u4e0d\u7528\uff0c\u4f60\u53ea\u8981\u5e74\u521d\u8cb7\u9032\u5f8c\uff0c\u300eBuy and hold\u300f\uff0c\u4f60\u5c31\u53ef\u4ee5\u7372\u5f97\u9019\u500b\u5831\u916c\u7387\uff0c\u8b1b\u8d77\u4f86\u5f88\u7c21\u55ae\uff0c\u4f46\u57f7\u884c\u4e0a\u5c0d\u5f88\u591a\u4eba\u800c\u8a00\u5176\u5be6\u4e0d\u5bb9\u6613\uff0c2020\u5e74\u662f\u591a\u4e8b\u7684\u4e00\u5e74\uff0c\u4ee5\u4e0b4\u9ede\u662f\u7d93\u6b77\u4eca\u5e74\u5e02\u5834\u5f8c\u7684\u5206\u4eab\u8207\u7701\u601d\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\"><p>1. 2020\u5e74\u9ad8\u90547\u62105\u7684\u7d93\u7406\u4eba\u57fa\u91d1\u8868\u73fe\u843d\u5f8c0050\u3002<\/p><\/blockquote>\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.png\" alt=\"\" class=\"wp-image-6115\"\/><\/figure>\n\n\n\n<p>0050\u8fd1\u4e94\u5e74\u5831\u916c\u8868\u73fe\u8207\u53f0\u7063\u80a1\u7968\u578b\u57fa\u91d1\u6392\u540d\u3002\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar Direct\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406\u3002<\/p>\n\n\n\n<p>\u6839\u64daMorningstar Direct\u7684\u6578\u64da\uff0c2020\u5e740050\u8207\u53f0\u7063\u80a1\u7968\u578b\u57fa\u91d1\u5831\u916c\u7387\u6392\u540d\uff0c167\u6a94\u57fa\u91d1\u9078\u624b\u88e1\uff0c0050\u540d\u5217\u7b2c42\u540d\uff0c<strong>\u9019\u6a94\u55ae\u7d14\u8ffd\u8e64\u6307\u6578\u7684ETF\u57282020\u5e74\u5831\u916c\u7387\u8868\u73fe\u8d0f\u4e86\u53f0\u70637\u62105\u5de6\u53f3\u7684\u57fa\u91d1\u7d93\u7406\u4eba\uff0c\u5206\u5225\u6301\u67095\u5e74\u8207\u6301\u670910\u5e740050\u7684\u8868\u73fe\uff0c\u6578\u64da\u4e0a\u4e5f\u53ef\u4ee5\u52dd\u904e\u5e02\u5834\u4e0a7\u6210\u4ee5\u4e0a\u7684\u57fa\u91d1\u7d93\u7406\u4eba\uff0c<\/strong>\u9019\u662f\u6295\u8cc7\u4eba\u61c9\u8a72\u6ce8\u610f\u7684\u6578\u64da\uff0c\u6295\u8cc7\u4eba\u4ed8\u4e86\u7ba1\u7406\u8cbb\u7d66\u57fa\u91d1\u7d93\u7406\u4eba\uff0c\u671f\u671b\u4ed6\u53ef\u4ee5\u70ba\u6295\u8cc7\u4eba\u5e36\u4f86\u8d85\u8d8a\u5927\u76e4\u7684\u5831\u916c\uff0c\u7d50\u679c\u57fa\u91d1\u7d93\u7406\u4eba\u4e00\u6574\u5e74\u4e0b\u4f86\u4e0d\u4f46\u6c92\u5e6b\u6295\u8cc7\u4eba\u5275\u9020\u8d85\u984d\u5831\u916c\uff0c\u53cd\u800c\u843d\u5f8c\u5927\u76e4\uff0c\u9019\u500b\u6578\u64da\u4e0d\u53ea\u5728\u53f0\u7063\u767c\u751f\uff0c\u5176\u5be6\u5728\u4e16\u754c\u5404\u5730\u90fd\u5448\u73fe\u985e\u4f3c\u7684\u6578\u64da\uff1a<strong>ETF\u7684\u8868\u73fe\u53ef\u4ee5\u8d0f\u904e\u5e02\u5834\u88e16-8\u6210\u5de6\u53f3\u7684\u7d93\u7406\u4eba<\/strong>\uff0c\u800c\u4e14\u6bcf\u5e74\u80fd\u8868\u73fe\u6bd4\u5927\u76e4\u6307\u6578\u512a\u7570\u7684\u57fa\u91d1\u7d93\u7406\u4eba\u90fd\u4e0d\u540c\uff0c\u6295\u8cc7\u4eba\u5f88\u96e3\u5224\u65b7\u4e0b\u4e00\u6b21\u54ea\u4e00\u6a94\u57fa\u91d1\u6703\u8868\u73fe\u7684\u6bd4\u8f03\u597d\uff0c\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u5728\u570b\u5916\u8d8a\u4f86\u8d8a\u591a\u6295\u8cc7\u4eba\u7684\u8cc7\u91d1\u5f9e\u5171\u540c\u57fa\u91d1\u6d41\u51fa\uff0c\u8f49\u800c\u6295\u5165ETF\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/%E7%B6%93%E7%90%86%E4%BA%BA%E8%90%BD%E5%BE%8C%E5%A4%A7%E7%9B%A4-SPIVA.jpg\" alt=\"\" class=\"wp-image-6116\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/ETF-VS-Index-VS-Active.jpg\" alt=\"\"\/><figcaption>\u4e16\u754c\u5404\u5730\u4e3b\u52d5\u5f0f\u57fa\u91d1\u843d\u5f8c\u57fa\u6e96\u6307\u6578\u7684\u6bd4\u4f8b\u3002\u8cc7\u6599\u4f86\u6e90\uff1aSPIVA\u3002<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2021\/03\/ETF-VS-Index-VS-Active.jpg\" alt=\"\" width=\"1033\" height=\"546\"><\/figcaption><\/figure>\n\n\n\n<p>\u4e3b\u52d5\u5f0f\u57fa\u91d1(\u85cd\u8272)\u3001\u6307\u6578\u578b\u57fa\u91d1(\u767d\u8272)\u3001ETF(\u6a58\u8272) \u6b77\u5e74\u6d41\u5165\u91cf\u3002\u8cc7\u6599\u4f86\u6e90\uff1aICI &amp; Bloomberg\u30022. \u300e\u8cb7\u9032\u6301\u6709\u300f\u8aaa\u8d77\u4f86\u7c21\u55ae\uff0c\u4f46\u5be6\u969b\u4e0a\u8981\u505a\u5230\u662f\u4e0d\u5bb9\u6613\u7684\u3002<\/p>\n\n\n\n<p>\u5118\u7ba1\u6a19\u7684\u5c0d\u4e86\uff0c\u4f46\u6295\u8cc7\u884c\u70ba\u4e0d\u5c0d\uff0c\u4ecd\u7136\u8cfa\u4e0d\u5230\u9322\u3002\u300e\u8cb7\u9032\u6301\u6709\u300f\u8aaa\u8d77\u4f86\u7c21\u55ae\uff0c\u4f46\u5be6\u969b\u4e0a\u8981\u505a\u5230\u662f\u4e0d\u5bb9\u6613\u7684\u3002<\/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%873.png\" alt=\"\" class=\"wp-image-6118\"\/><\/figure>\n\n\n\n<p>0050\u4eca\u5e74\u55ae\u7b46\u8d70\u52e2\u5716\u3002\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar Direct\u3002<\/p>\n\n\n\n<p>\u4ee5\u4eca\u5e74\u72c0\u6cc1\u70ba\u4f8b\uff0c\u8981\u505a\u5230\u8cb7\u9032\u6301\u67090050\u4e00\u6574\u5e74\uff0c\u5176\u5be6\u4e0d\u7c21\u55ae\u3002\u9996\u5148\u4f60\u8981\u5148\u7d93\u6b773\u6708\u7684\u5e02\u5834-26.32%\u7684\u4fee\u6b63\uff0c\u5982\u679c\u5927\u5bb6\u9084\u6c92\u5065\u5fd8\uff0c\u53ef\u4ee5\u56de\u60f3\u4e00\u4e0b\u7576\u521d\u5e02\u5834\u6709\u591a\u6050\u614c\uff0c\u5728\u8cc7\u7522\u5927\u5e45\u6e1b\u640d\u4e0b\uff0c\u9084\u8981\u627f\u53d7\u5404\u7a2e\u8ca0\u9762\u65b0\u805e\uff0c\u8eab\u908a\u7684\u4eba\u4e0d\u50c5\u7d1b\u7d1b\u64a4\u51fa\u5e02\u5834\u3001\u9084\u9f13\u52f5\u4f60\u4e5f\u8d95\u5feb\u73fe\u91d1\u70ba\u738b\uff0c\u8981\u5728\u9019\u7a2e\u60c5\u6cc1\u4e0b\u7e7c\u7e8c\u6295\u8cc7\u5176\u5be6\u975e\u5e38\u4e0d\u5bb9\u6613\uff1b\u7b49\u52307\u6708\u4f60\u597d\u4e0d\u5bb9\u6613\u71ac\u904e\u5e02\u5834\u4fee\u6b63\uff0c\u5e02\u5834\u53cd\u5f48\u5230\u5e74\u521d\u9ad8\u9ede\uff0c\u9762\u5c0d\u672a\u4f86\u4e0d\u78ba\u5b9a\u6027\uff0c\u7576\u8a31\u591a\u4eba\u4ecd\u7136\u9f13\u52f5\u4f60\u4fdd\u5b88\u70ba\u4e0a\u7b56\uff0c\u4f60\u6703\u4e0d\u6703\u60f3\u9000\u51fa\u5e02\u5834\u89c0\u671b\u4e00\u4e0b\uff1f\u7b49\u52309\u6708\uff0c\u4f60\u597d\u4e0d\u5bb9\u6613\u53c8\u5805\u6301\u4e86\u5169\u500b\u6708\uff0c\u4f60\u7684\u5831\u916c\u7531\u8667\u8f49\u76c8\uff0c\u5e02\u5834\u958b\u59cb\u5275\u65b0\u9ad8\uff0c\u4f46\u9762\u5c0d\u672a\u77e5\u7684\u75ab\u60c5\u8207\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u7d50\u679c\uff0c\u4f60\u6703\u4e0d\u6703\u60f3\u7372\u5229\u4e86\u7d50\uff1f11\u6708\u7e3d\u7d71\u5927\u9078\u7d50\u675f\u5f8c\uff0c\u5e02\u5834\u7e7c\u7e8c\u5275\u65b0\u9ad8\uff0c\u9019\u6642\u5019\u4f60\u9084\u80fd\u770b\u8457\u5e33\u9762\u4e0a\u7684\u6b63\u5831\u916c\u7e7c\u7e8c\u5805\u6301\u4e0b\u53bb\u55ce\u9084\u662f\u7372\u5229\u4e86\u89e3\u7684\u5fc3\u60c5\u8822\u8822\u6b32\u52d5\uff1f&nbsp;\u904e\u65bc\u95dc\u6ce8\u5e02\u5834\u7684\u6295\u8cc7\u4eba\uff0c\u771f\u7684\u5f88\u5bb9\u6613\u4e2d\u9014\u96e2\u958b\u5e02\u5834\uff0c\u4e0d\u7ba1\u6f32\u6216\u8dcc\uff0c\u6295\u8cc7\u4eba\u5176\u5be6\u90fd\u64d4\u5fc3\uff0c\u6240\u4ee5\u8981\u6301\u7e8c\u5f85\u5728\u5e02\u5834\u4e0a\u4e26\u4e0d\u5bb9\u6613\u3002\u76f8\u53cd\u7684\uff0c\u76e1\u91cf\u6e1b\u5c11\u95dc\u6ce8\u5e02\u5834\uff0c\u53cd\u800c\u80fd\u5e6b\u52a9\u6295\u8cc7\u4eba\u66f4\u5c08\u6ce8\u5728\u9577\u671f\u76ee\u6a19\u3001\u7dad\u6301\u7d00\u5f8b\u5f85\u5728\u5e02\u5834\u4e0a\u30023. 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