{"id":14963,"date":"2026-02-06T10:58:09","date_gmt":"2026-02-06T02:58:09","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14963"},"modified":"2026-05-01T11:04:19","modified_gmt":"2026-05-01T03:04:19","slug":"%e6%8a%95%e8%b3%87%e7%9a%84%e3%80%8c%e9%9d%9c%e5%bf%83%e3%80%8d%e7%a7%91%e5%ad%b8%ef%bc%9a%e5%9c%a8%e9%ab%98%e6%b3%a2%e5%8b%95%e3%80%81%e9%ab%98%e4%bc%b0%e5%80%bc%e6%99%82%e4%bb%a3%e4%b8%8b%e7%9a%84","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14963","title":{"rendered":"\u6295\u8cc7\u7684\u300c\u975c\u5fc3\u300d\u79d1\u5b78\uff1a\u5728\u9ad8\u6ce2\u52d5\u3001\u9ad8\u4f30\u503c\u6642\u4ee3\u4e0b\u7684\u751f\u5b58\u6307\u5357"},"content":{"rendered":"\n<p>\u7576\u4e0b\u7684\u91d1\u878d\u5e02\u5834\uff0c\u6b63\u8655\u65bc\u4e00\u7a2e\u9ad8\u4f30\u503c\u8207\u9ad8\u6ce2\u52d5\u4ea4\u7e54\u7684\u300c\u8e81\u52d5\u671f\u300d\uff0c\u4e0d\u8cb7\u6c92\u80fd\u53c3\u8207\u4e0a\u6f32\uff0c\u8cb7\u6642\u53c8\u89ba\u5f97\u5e02\u5834\u90e8\u4fbf\u5b9c\u3002<\/p>\n\n\n\n<p>\u5728\u5145\u6eff\u96dc\u8a0a\u7684\u5e02\u5834\u55a7\u56c2\u4e2d\uff0c\u6295\u8cc7\u8005\u5f80\u5f80\u8aa4\u5c07\u300c\u9810\u6e2c\u300d\u8996\u70ba\u5b89\u8eab\u7acb\u547d\u7684\u9326\u56ca\uff0c\u537b\u5728\u5e02\u5834\u7684\u5287\u70c8\u9707\u76ea\u8207\u71b1\u9580\u984c\u6750\u7684\u8a98\u60d1\u4e0b\uff0c\u4e0d\u81ea\u89ba\u5730\u9677\u5165\u4e86\u932f\u5931\u6050\u61fc\u75c7\uff08FOMO\uff09\u7684\u6ce5\u6dd6\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u4e0d\u7981\u53cd\u601d\uff1a\u5728\u4e0d\u53ef\u9810\u6e2c\u7684\u5e02\u5834\u6d2a\u6d41\u4e2d\uff0c\u7a76\u7adf\u4ec0\u9ebc\u624d\u662f\u652f\u6490\u9577\u671f\u7372\u5229\u7684\u771f\u6b63\u57fa\u77f3\uff1f<\/p>\n\n\n\n<p>\u5982\u4f55\u5728\u98a8\u66b4\u4e2d\u5b89\u9813\u81ea\u5df1\u7684\u5167\u5fc3\uff1f<\/p>\n\n\n\n<p>\u771f\u6b63\u7684\u6295\u8cc7\u667a\u6167\uff0c\u5f80\u5f80\u4e0d\u5728\u65bc\u5982\u4f55\u7cbe\u6e96\u5730\u6355\u6349\u4e0b\u4e00\u500b\u6d6a\u6f6e\uff0c\u800c\u5728\u65bc\u80fd\u9806\u52e2\u800c\u70ba\uff0c\u8e0f\u6d6a\u524d\u884c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u95dc\u9375\u91cd\u9ede\u4e00\uff1a\u5c07\u805a\u5149\u71c8\u8f49\u5411\u300c\u4f60\u80fd\u638c\u63a7\u7684\u4e8b\u300d<\/h2>\n\n\n\n<p>\u5728\u884c\u70ba\u91d1\u878d\u5b78\u7684\u8996\u89d2\u4e0b\uff0c\u9810\u6e2c\u80a1\u50f9\u7121\u7570\u65bc\u5728\u8ff7\u9727\u4e2d\u76f2\u76ee\u8ffd\u9010\u5e7b\u5f71\u3002\u8cc7\u6df1\u6295\u8cc7\u8005\u8207\u5e73\u5eb8\u8005\u7684\u5206\u91ce\uff0c\u5728\u65bc\u5f8c\u8005\u57f7\u8ff7\u65bc\u7121\u6cd5\u63a7\u5236\u7684\u5e02\u5834\u8d70\u52e2\uff0c\u800c\u524d\u8005\u5247\u5c07\u7cbe\u529b\u805a\u7126\u65bc\u4ee5\u4e0b\u4e09\u500b\u6838\u5fc3\u8b8a\u6578\uff1a<\/p>\n\n\n\n<p><strong>\u6210\u672c (Costs)\uff1a\u964d\u4f4e\u6210\u672c\uff0c\u5373\u662f\u9396\u5b9a\u4f4f\u7684\u52dd\u7387\u3002<\/strong>\u5728\u50b3\u7d71\u7684\u91d1\u878d\u751f\u614b\u4e2d\uff0c\u6a19\u699c\u300c\u96f6\u624b\u7e8c\u8cbb\u300d\u6216\u300c\u4f4e\u9580\u6abb\u300d\u7684\u5e73\u53f0\uff0c\u80cc\u5f8c\u5f80\u5f80\u96b1\u85cf\u8457\u5411\u7522\u54c1\u4f9b\u61c9\u5546\u6536\u53d6\u7684\u92b7\u552e\u4f63\u91d1\uff08Trailer Fees\uff09\uff0c\u9019\u610f\u5473\u8457\u7576\u60a8\u7372\u5f97\u6295\u8cc7\u5efa\u8b70\u6642\uff0c\u63a8\u85a6\u7684\u6a19\u6e96\u53ef\u80fd\u4e26\u975e\u300c\u5c0d\u60a8\u6700\u597d\u300d\uff0c\u800c\u662f\u300c\u5c0d\u5e73\u53f0\u7684\u9000\u4f63\u6700\u9ad8\u300d\uff0c\u800c\u6211\u5011\u63a1\u53d6<strong>\u300c\u7d14\u9867\u554f\u8cbb\u5236\uff08Fee-Only\uff09\u300d<\/strong>\uff0c\u76e1\u529b\u78ba\u4fdd\u9867\u554f\u8207\u5ba2\u6236\u7684\u5229\u76ca\u4e00\u81f4\uff08Alignment of Interests\uff09\u3002<\/p>\n\n\n\n<p><strong>\u5132\u84c4\u7387 (Savings Rate)\uff1a\u672c\u91d1\u662f\u555f\u52d5\u8907\u5229\u5f15\u64ce\u7684\u521d\u59cb\u71c3\u6cb9\u3002<\/strong>\u5728\u6295\u8cc7\u751f\u6daf\u7684\u524d\u671f\uff0c\u672c\u91d1\u6295\u5165\u7684\u898f\u6a21\uff08\u5132\u84c4\u7387\uff09\u5c0d\u8cc7\u7522\u7a4d\u7d2f\u7684\u8ca2\u737b\u5ea6\uff0c\u9060\u9ad8\u65bc\u55ae\u7d14\u7684\u5831\u916c\u7387\u6ce2\u52d5\u3002\u7a69\u5b9a\u4e14\u6301\u7e8c\u7684\u5132\u84c4\uff0c\u662f\u70ba\u4f60\u7684\u6295\u8cc7\u8a08\u756b\u63d0\u4f9b\u97cc\u6027\u7684\u6700\u5f37\u5f8c\u76fe\u3002<\/p>\n\n\n\n<p><strong>\u60c5\u7dd2 (Emotions)\uff1a\u6c7a\u5b9a\u6210\u6557\u7684\u6700\u7d42\u95dc\u9375\u3002<\/strong>&nbsp;\u9019\u662f\u6700\u96e3\u514b\u670d\u3001\u537b\u4e5f\u6700\u5177\u6c7a\u5b9a\u6027\u7684\u4e00\u74b0\u3002\u5e02\u5834\u4e0d\u53ea\u662f\u6578\u5b57\u7684\u8df3\u52d5\uff0c\u66f4\u662f\u96c6\u9ad4\u5fc3\u7406\u7684\u6295\u5c04\u3002\u7ba1\u7406\u60c5\u7dd2\uff0c\u610f\u5473\u8457\u5728\u773e\u4eba\u8caa\u5a6a\u6642\u4fdd\u6301\u8b66\u89ba\uff0c\u5728\u773e\u4eba\u6050\u614c\u6642\u5805\u5b88\u9663\u5730\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u95dc\u9375\u91cd\u9ede\u4e8c\uff1a\u7d00\u5f8b\u7684\u529b\u91cf\u2014\u2014\u300c\u7ad9\u8457\u5225\u52d5\u300d\u7684\u667a\u6167<\/h2>\n\n\n\n<p>\u6839\u64da Vanguard \u7684\u9577\u671f\u7814\u7a76\uff0c\u591a\u6578\u6295\u8cc7\u8005\u7684\u8667\u640d\u4e26\u975e\u6e90\u65bc\u5e02\u5834\u672c\u8eab\u7684\u9031\u671f\u6027\u4e0b\u8dcc\uff0c\u800c\u662f\u6e90\u65bc\u300c\u884c\u70ba\u504f\u5dee\u300d\u5c0e\u81f4\u7684\u8ffd\u9ad8\u6bba\u4f4e\u3002\u4eba\u985e\u5927\u8166\u5728\u6f14\u5316\u904e\u7a0b\u4e2d\u5f62\u6210\u7684\u300c\u884c\u52d5\u504f\u8aa4 (Action Bias)\u300d\uff0c\u8b93\u6211\u5011\u5728\u9762\u81e8\u5a01\u8105\u6216\u4e0d\u78ba\u5b9a\u6027\u6642\uff0c\u672c\u80fd\u5730\u60f3\u8981\u300c\u505a\u9ede\u4ec0\u9ebc\u300d\u4f86\u7de9\u89e3\u7126\u616e\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5728\u73fe\u4ee3\u91d1\u878d\u5e02\u5834\u4e2d\uff0c\u9019\u7a2e\u672c\u80fd\u5f80\u5f80\u662f\u8ca1\u5bcc\u7684\u6bba\u624b\u3002\u7279\u5225\u662f\u9810\u898b 2026 \u5e74 AI \u984c\u6750\u53ef\u80fd\u5e36\u4f86\u7684\u6975\u5ea6\u72c2\u71b1\uff0c\u7576\u5e02\u5834\u88ab\u55ae\u4e00\u4e3b\u984c\u904e\u5ea6\u795e\u5316\u6642\uff0cFOMO \u60c5\u7dd2\u6703\u8a98\u4f7f\u6295\u8cc7\u8005\u80cc\u96e2\u539f\u672c\u7a69\u5065\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u8f49\u5411\u9ad8\u98a8\u96aa\u7684\u55ae\u9ede\u535a\u5f08\u3002<\/p>\n\n\n\n<p>\u7d04\u7ff0\u00b7\u67cf\u683c (John Bogle) \u66fe\u5c0d\u6b64\u7559\u4e0b\u4e86\u4e00\u53e5\u6975\u5177\u884c\u70ba\u91d1\u878d\u5b78\u6df1\u5ea6\u7684\u540d\u8a00\uff1a<\/p>\n\n\n\n<p>\u300c\u5225\u53ea\u662f\u5728\u90a3\u88e1\u505a\u9ede\u4ec0\u9ebc\uff0c\u7ad9\u8457\u5225\u52d5\uff01\u300d(Don\u2019t just do something, stand there!)<\/p>\n\n\n\n<p>\u9019\u53e5\u8a71\u4e26\u975e\u9f13\u52f5\u6d88\u6975\u6020\u5de5\uff0c\u800c\u662f\u4e00\u7a2e\u6975\u5176\u8271\u96e3\u7684\u5fc3\u7406\u81ea\u6211\u4fee\u7149\u3002\u5b83\u63d0\u9192\u6211\u5011\u5c0d\u6297\u57fa\u56e0\u88e1\u7684\u8e81\u52d5\uff0c\u5728\u5e02\u5834\u72c2\u6b61\u6642\u62d2\u7d55\u8a98\u60d1\uff0c\u5728\u5d29\u76e4\u6642\u514b\u5236\u6050\u61fc\uff0c\u6df1\u4fe1\u8cc7\u7522\u914d\u7f6e\u7684\u529b\u91cf\u800c\u975e\u77ed\u671f\u7684\u6295\u6a5f\u76f4\u89ba\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u95dc\u9375\u91cd\u9ede\u4e09\uff1a\u64c1\u62b1\u5747\u503c\u56de\u6b78\u7684\u300c\u79d1\u5b78\u5fc3\u6cd5\u300d<\/h2>\n\n\n\n<p>\u6295\u8cc7\u754c\u5b58\u5728\u4e00\u689d\u5982\u540c\u5730\u5fc3\u5f15\u529b\u822c\u4e0d\u53ef\u9055\u6297\u7684\u5b9a\u5f8b\uff1a\u5747\u503c\u56de\u6b78 (Law of Reversion to the Mean)\u3002\u4efb\u4f55\u985e\u80a1\u3001\u98a8\u683c\u6216\u5e02\u5834\uff08\u4f8b\u5982\u904e\u53bb\u5341\u5e74\u5f15\u9818\u98a8\u9a37\u7684\u7f8e\u80a1\u6210\u9577\u80a1\uff09\uff0c\u4e00\u65e6\u5176\u5831\u916c\u7387\u9577\u671f\u504f\u96e2\u6b77\u53f2\u5e73\u5747\u6c34\u5e73\uff0c\u6700\u7d42\u90fd\u5c07\u56de\u6b78\u5e73\u5eb8\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u5e02\u5834\u4e26\u975e\u6c38\u9060\u7531\u540c\u4e00\u985e\u8cc7\u7522\u4e3b\u5c0e\uff0c\u77ed\u671f\u6703\u56e0\u7d93\u6fdf\u5468\u671f\u3001\u5730\u7de3\u653f\u6cbb\u3001\u5229\u7387\u8b8a\u52d5\u3001\u6295\u8cc7\u4eba\u60c5\u7dd2\u7b49\u56e0\u7d20\u8f2a\u52d5\uff0c\u9577\u671f\u800c\u8a00\uff0c\u5247\u53cd\u6620\u8cc7\u7522\u5167\u5728\u50f9\u503c\u7684\u63d0\u5347\u3002<\/p>\n\n\n\n<p>\u5f9e\u8868\u4e2d\u904e\u53bb\u4e00\u5e74\u7684\u7e3d\u56de\u5831\uff081Y\uff09\u6578\u64da\u4f86\u770b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53f0\u80a1\u76f8\u95dcETF\u4e0a\u6f3236.16%\uff0c\u8868\u73fe\u4eae\u773c\uff0c\u53ef\u80fd\u53d7\u60e0\u65bc\u534a\u5c0e\u9ad4\u7522\u696d\u5fa9\u7526\u8207\u4e9e\u6d32\u7d93\u6fdf\u56de\u6eab\u3002<\/li>\n\n\n\n<li>\u7f8e\u570b\u4ee5\u5916\u6210\u719f\u5e02\u5834\u4e0a\u6f3235.2%\uff0c\u6b50\u6d32\u5e02\u5834\u4e0a\u6f3231.5%\uff0c\u592a\u5e73\u6d0b\u5730\u5340\u4e0a\u6f3240.2%\u3002<\/li>\n\n\n\n<li>\u7f8e\u570b\u4ee5\u5916\u5c0f\u578b\u80a1\u4e0a\u6f3234.21%\u3002<\/li>\n\n\n\n<li>\u76f8\u5c0d\u4e4b\u4e0b\uff0c\u7f8e\u570b\u6210\u9577\u80a1\u50c5\u4e0a\u6f329.67%\uff0c\u5c0f\u578b\u80a1\u4e0a\u6f328.83%\uff0c\u7e3d\u9ad4\u7f8e\u570b\u80a1\u7968\u4e0a\u6f3212.68%\uff0c\u800c\u50f9\u503c\u80a1\u53cd\u800c\u4e0a\u6f3216.49%\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u9019\u986f\u793a\u904e\u53bb\u4e00\u5e74\uff0c\u975e\u7f8e\u570b\u5e02\u5834\uff08\u5982\u4e9e\u6d32\u3001\u6b50\u6d32\uff09\u8207\u5c0f\u578b\u80a1\u985e\u5225\u5927\u5e45\u9818\u5148\u6210\u9577\u80a1\u8207\u5927\u578b\u79d1\u6280\u80a1\u3002\u5e02\u5834\u8f2a\u52d5\u7684\u4f8b\u5b50\u6bd4\u6bd4\u7686\u662f\uff1a\u4f8b\u5982\uff0c2020-2021\u5e74\u79d1\u6280\u80a1\u4e3b\u5c0e\uff0c2022\u5e74\u5247\u8f49\u5411\u50f9\u503c\u80a1\u8207\u5546\u54c1\u3002\u6307\u6578\u6295\u8cc7\uff08\u5982\u8ffd\u8e64\u5ee3\u6cdb\u6307\u6578\u7684ETF\uff09\u80fd\u6355\u6349\u9019\u7a2e\u8f2a\u52d5\uff0c\u56e0\u70ba\u5b83\u6db5\u84cb\u591a\u500b\u5730\u5340\u3001\u7522\u696d\u8207\u5e02\u503c\u898f\u6a21\uff0c\u907f\u514d\u300c\u62bc\u5bf6\u300d\u55ae\u4e00\u8da8\u52e2\u3002<\/p>\n\n\n\n<p>\u7576\u5e02\u5834\u60c5\u7dd2\u6500\u5347\u81f3\u9802\u5cf0\u6642\uff0c\u667a\u6167\u7684\u6295\u8cc7\u8005\u61c9\u5efa\u7acb\u300c\u672a\u4f86\u56de\u5831\u5c07\u8da8\u65bc\u5e73\u6de1\u300d\u7684\u7406\u6027\u5fc3\u7406\u6e96\u5099\uff0c\u800c\u975e\u76f2\u76ee\u9810\u671f\u76db\u5bb4\u6c38\u4e0d\u843d\u5e55\u3002\u61c9\u5c0d\u9019\u4e00\u898f\u5f8b\u7684\u79d1\u5b78\u5de5\u5177\uff0c\u5373\u662f<strong>\u8cc7\u7522\u518d\u5e73\u8861 (Rebalancing)<\/strong>\u3002<\/p>\n\n\n\n<p>\u518d\u5e73\u8861\u5728\u5fc3\u7406\u5c64\u9762\u4e0a\u662f\u53cd\u76f4\u89ba\u7684\uff0c\u56e0\u70ba\u5b83\u8981\u6c42\u4f60\u8ce3\u51fa\u8868\u73fe\u6700\u4eae\u773c\u7684\u8cc7\u7522\uff08\u8b93\u4f60\u611f\u89ba\u81ea\u5df1\u50cf\u500b\u5929\u624d\u7684\u8d0f\u5bb6\uff09\uff0c\u4e26\u8cb7\u5165\u8868\u73fe\u4f4e\u8ff7\u7684\u8cc7\u7522\uff08\u8b93\u4f60\u611f\u89ba\u81ea\u5df1\u50cf\u500b\u50bb\u74dc\u7684\u8f38\u5bb6\uff09\u3002\u4f46\u6b63\u56e0\u5982\u6b64\uff0c\u5b83\u624d\u6210\u70ba\u4e00\u7a2e\u5f37\u8feb\u6295\u8cc7\u8005\u300c\u4f4e\u8cb7\u9ad8\u8ce3\u300d\u7684\u7d00\u5f8b\u6027\u6a5f\u5236\uff0c\u6709\u6548\u9632\u6b62\u4e86\u60c5\u7dd2\u6027\u904e\u5ea6\u66dd\u96aa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u95dc\u9375\u91cd\u9ede\u56db\uff1a\u6295\u8cc7\u662f\u4e00\u5834\u95dc\u65bc\u300c\u5ef6\u9072\u6eff\u8db3\u300d\u7684\u9577\u8dd1<\/h2>\n\n\n\n<p>\u6210\u529f\u7684\u6295\u8cc7\u672c\u8cea\u4e0a\u662f\u4e00\u5834\u300c\u8de8\u6642\u6548\u61c9\u7684\u5fc3\u7406\u535a\u5f08\u300d\u3002Vanguard 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