{"id":15307,"date":"2026-06-09T18:28:57","date_gmt":"2026-06-09T10:28:57","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=15307"},"modified":"2026-06-10T14:32:39","modified_gmt":"2026-06-10T06:32:39","slug":"ocio-%e6%9c%8d%e5%8b%99%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f%e5%a4%96%e9%83%a8%e6%8a%95%e8%b3%87%e9%95%b7%e5%a6%82%e4%bd%95%e5%b9%ab%e6%a9%9f%e6%a7%8b%e7%9c%81%e5%8a%9b%e5%8f%88%e5%a2%9e%e6%95%88","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=15307","title":{"rendered":"OCIO \u670d\u52d9\u662f\u4ec0\u9ebc\uff1f\u5916\u90e8\u6295\u8cc7\u9577\u5982\u4f55\u5e6b\u6a5f\u69cb\u7701\u529b\u53c8\u589e\u6548"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/68026411-a0a1-416d-96c9-49a7630d415d-1024x576.png\" alt=\"\" class=\"wp-image-16117\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/68026411-a0a1-416d-96c9-49a7630d415d-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/68026411-a0a1-416d-96c9-49a7630d415d-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/68026411-a0a1-416d-96c9-49a7630d415d-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/68026411-a0a1-416d-96c9-49a7630d415d-1536x864.png 1536w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/68026411-a0a1-416d-96c9-49a7630d415d.png 1672w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5982\u679c\u4f60\u7684\u6a5f\u69cb\u2014\u2014\u6821\u52d9\u57fa\u91d1\u3001\u4f01\u696d\u9000\u4f11\u4fe1\u8a17\u3001\u6216\u4f01\u696d\u76c8\u9918\u7ba1\u7406\u5e33\u6236\u2014\u2014\u6b63\u5728\u88ab\u4ee5\u4e0b\u554f\u984c\u56f0\u64fe\uff1a\u6295\u8cc7\u59d4\u54e1\u6703\u958b\u6703\u537b\u6c92\u6709\u4eba\u771f\u7684\u61c2\u6295\u8cc7\u3001\u7e3e\u6548\u5831\u544a\u6bcf\u6b21\u7528\u7684\u8a9e\u8a00\u90fd\u4e0d\u4e00\u6a23\u3001\u6c92\u6709\u4e00\u4efd\u5b8c\u6574\u7684\u6295\u8cc7\u653f\u7b56\u66f8\u3001\u6216\u8005\u8ca1\u52d9\u9577\u628a\u6642\u9593\u90fd\u82b1\u5728\u76e3\u63a7\u5e02\u5834\u800c\u6c92\u6709\u6642\u9593\u505a\u7b56\u7565\u2014\u2014\u90a3\u9ebc OCIO \u9019\u500b\u6a21\u5f0f\uff0c\u53ef\u80fd\u6b63\u662f\u4f60\u4e00\u76f4\u5728\u627e\u4f46\u4e0d\u77e5\u9053\u540d\u5b57\u7684\u6771\u897f\u3002<\/p>\n\n\n\n<p><strong>\u76f4\u63a5\u56de\u7b54\uff1a<\/strong> OCIO\uff08Outsourced Chief Investment Officer\uff0c\u59d4\u5916\u6295\u8cc7\u9577\uff09\u662f\u4e00\u7a2e\u8b93\u6a5f\u69cb\u5c07\u6295\u8cc7\u7ba1\u7406\u7684\u57f7\u884c\u5de5\u4f5c\u5916\u5305\u7d66\u5c08\u696d\u9867\u554f\u7684\u670d\u52d9\u6a21\u5f0f\u3002\u6a5f\u69cb\u7684\u8ca1\u52d9\u9577\u6216\u6295\u8cc7\u59d4\u54e1\u6703\u4fdd\u7559\u7b56\u7565\u6c7a\u7b56\u6b0a\uff0c\u65e5\u5e38\u7684\u8cc7\u7522\u914d\u7f6e\u57f7\u884c\u3001\u7e3e\u6548\u76e3\u63a7\u3001\u518d\u5e73\u8861\u4f5c\u696d\u8207\u6cbb\u7406\u5831\u544a\uff0c\u5247\u7531\u5916\u90e8 OCIO \u670d\u52d9\u5546\u8ca0\u8cac\u3002\u9019\u8b93\u6a5f\u69cb\u53ef\u4ee5\u7528\u9867\u554f\u8cbb\u53d6\u5f97\u539f\u672c\u9700\u8981\u6574\u500b\u6295\u8cc7\u90e8\u9580\u624d\u80fd\u63d0\u4f9b\u7684\u80fd\u529b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">OCIO \u5f9e\u54ea\u88e1\u4f86\uff1f\u4e00\u6bb5\u5f9e\u6350\u8d08\u57fa\u91d1\u958b\u59cb\u7684\u6545\u4e8b<\/h2>\n\n\n\n<p>OCIO \u6a21\u5f0f\u6700\u65e9\u666e\u53ca\u65bc\u7f8e\u570b\u5927\u5b78\u6350\u8d08\u57fa\u91d1\u30021990 \u5e74\u4ee3\uff0c\u8036\u9b6f\u5927\u5b78\u7684 David Swensen \u5efa\u7acb\u4e86\u6350\u8d08\u57fa\u91d1\u4e3b\u52d5\u7ba1\u7406\u7684\u5178\u7bc4\uff0c\u4f46\u4e26\u975e\u6bcf\u6240\u5927\u5b78\u90fd\u6709\u80fd\u529b\u8058\u7528\u4e00\u652f\u5b8c\u6574\u7684\u5c08\u696d\u6295\u8cc7\u5718\u968a\u3002\u65bc\u662f\u4e00\u6279\u5c08\u9580\u670d\u52d9\u6a5f\u69cb\u6295\u8cc7\u4eba\u7684\u5916\u90e8\u9867\u554f\u958b\u59cb\u51fa\u73fe\uff0c\u4ed6\u5011\u63a5\u624b\u6295\u8cc7\u57f7\u884c\u7684\u5de5\u4f5c\uff0c\u8b93\u5c0f\u578b\u6350\u8d08\u57fa\u91d1\u548c\u4e2d\u578b\u6a5f\u69cb\u4e5f\u80fd\u4eab\u6709\u63a5\u8fd1\u5927\u578b\u57fa\u91d1\u7684\u7ba1\u7406\u54c1\u8cea\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u7f8e\u570b Cerulli Associates \u7684\u7814\u7a76\uff0c\u904e\u53bb\u5341\u5e74 OCIO \u8cc7\u7522\u7ba1\u7406\u898f\u6a21\u5e74\u8907\u5408\u6210\u9577\u7387\u8d85\u904e 15%\uff0c\u5728 2023 \u5e74\u5df2\u9054\u5230\u7d04 2.7 \u5146\u7f8e\u5143\uff0c\u670d\u52d9\u5c0d\u8c61\u5f9e\u5927\u5b78\u6350\u8d08\u57fa\u91d1\u64f4\u5c55\u5230\u4f01\u696d\u9000\u4f11\u91d1\u3001\u4fdd\u96aa\u57fa\u91d1\u3001\u975e\u71df\u5229\u7d44\u7e54\u3001\u5bb6\u65cf\u8fa6\u516c\u5ba4\u3002<\/p>\n\n\n\n<p>\u53f0\u7063\u7684 OCIO \u5e02\u5834\u4ecd\u5728\u65e9\u671f\u968e\u6bb5\uff0c\u4f46\u9700\u6c42\u5df2\u975e\u5e38\u660e\u78ba\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u53f0\u7063\u6a5f\u69cb\u76ee\u524d\u9762\u5c0d\u7684\u4e09\u500b\u6838\u5fc3\u75db\u9ede<\/h2>\n\n\n\n<p><strong>\u75db\u9ede\u4e00\uff1a\u6295\u8cc7\u5c08\u696d\u4e0d\u8db3<\/strong><\/p>\n\n\n\n<p>\u591a\u6578\u53f0\u7063\u4e2d\u578b\u6a5f\u69cb\u2014\u2014\u5305\u62ec\u79c1\u7acb\u5b78\u6821\u7684\u6821\u52d9\u57fa\u91d1\u3001\u4f01\u696d\u9000\u4f11\u4fe1\u8a17\u59d4\u54e1\u6703\u3001\u4e2d\u578b\u57fa\u91d1\u6703\u2014\u2014\u4e26\u6c92\u6709\u5168\u8077\u7684\u6295\u8cc7\u5c08\u696d\u4eba\u54e1\u3002\u8ca1\u52d9\u9577\u7684\u80cc\u666f\u53ef\u80fd\u662f\u6703\u8a08\u6216\u8ca1\u52d9\u7ba1\u7406\uff0c\u5c0d\u8cc7\u7522\u914d\u7f6e\u7b56\u7565\u7684\u6df1\u5ea6\u6709\u9650\uff1b\u6295\u8cc7\u59d4\u54e1\u6703\u7684\u6210\u54e1\u53ef\u80fd\u662f\u5916\u90e8\u8463\u4e8b\uff0c\u6bcf\u5b63\u958b\u4e00\u6b21\u6703\uff0c\u96e3\u4ee5\u505a\u51fa\u771f\u6b63\u4ee5\u6a5f\u69cb\u9577\u671f\u76ee\u6a19\u70ba\u57fa\u790e\u7684\u6295\u8cc7\u5224\u65b7\u3002<\/p>\n\n\n\n<p>\u7d50\u679c\u662f\u4ec0\u9ebc\uff1f\u8981\u9ebc\u904e\u5ea6\u4fdd\u5b88\uff08\u5168\u90e8\u653e\u5b9a\u5b58\uff09\uff0c\u8981\u9ebc\u88ab\u52d5\u8ddf\u5f9e\uff08\u8ddf\u8457\u5e02\u5834\u60c5\u7dd2\u8d70\uff09\uff0c\u5169\u7a2e\u7d50\u679c\u90fd\u8b93\u6a5f\u69cb\u7684\u8ca1\u52d9\u76ee\u6a19\u96e3\u4ee5\u9054\u6210\u3002<\/p>\n\n\n\n<p><strong>\u75db\u9ede\u4e8c\uff1a\u6cbb\u7406\u6587\u4ef6\u7f3a\u5931<\/strong><\/p>\n\n\n\n<p>\u6295\u8cc7\u653f\u7b56\u66f8\uff08IPS\uff0cInvestment Policy Statement\uff09\u662f\u6a5f\u69cb\u6295\u8cc7\u7ba1\u7406\u7684\u57fa\u77f3\u6587\u4ef6\u3002\u5b83\u5b9a\u7fa9\u4e86\u6a5f\u69cb\u7684\u6295\u8cc7\u76ee\u6a19\u3001\u98a8\u96aa\u5bb9\u5fcd\u5ea6\u3001\u8cc7\u7522\u914d\u7f6e\u5340\u9593\u3001\u7e3e\u6548\u57fa\u6e96\u3001\u4ee5\u53ca\u6c7a\u7b56\u6d41\u7a0b\u3002<\/p>\n\n\n\n<p>\u4f46\u53f0\u7063\u7d55\u5927\u591a\u6578\u6a5f\u69cb\u6c92\u6709\u9019\u4efd\u6587\u4ef6\uff0c\u6216\u8005\u6709\u4e00\u4efd\u5df2\u7d93\u5341\u5e74\u6c92\u6709\u66f4\u65b0\u7684\u7248\u672c\u3002\u6c92\u6709 IPS\uff0c\u6bcf\u6b21\u6295\u8cc7\u59d4\u54e1\u6703\u958b\u6703\u90fd\u662f\u5f9e\u982d\u8a0e\u8ad6\uff0c\u7121\u6cd5\u5efa\u7acb\u4e00\u81f4\u7684\u6c7a\u7b56\u908f\u8f2f\uff0c\u4e5f\u7121\u6cd5\u5728\u76e3\u7ba1\u6216\u5be9\u8a08\u6642\u8aaa\u6e05\u695a\u300c\u6211\u5011\u70ba\u4ec0\u9ebc\u9019\u6a23\u505a\u300d\u3002<\/p>\n\n\n\n<p><strong>\u75db\u9ede\u4e09\uff1a\u7e3e\u6548\u8a9e\u8a00\u4e0d\u4e00\u81f4<\/strong><\/p>\n\n\n\n<p>\u6a5f\u69cb\u7684\u8ca1\u52d9\u76ee\u6a19\u901a\u5e38\u4e0d\u662f\u300c\u6253\u6557\u5927\u76e4\u300d\uff0c\u800c\u662f\u300c\u5728 X \u5e74\u5f8c\u652f\u61c9 Y \u5143\u7684\u652f\u51fa\u9700\u6c42\u300d\u6216\u300c\u7dad\u6301\u6bcf\u5e74 Z% \u7684\u63d0\u9818\u7387\u800c\u4e0d\u52d5\u672c\u300d\u3002<\/p>\n\n\n\n<p>\u4f46\u591a\u6578\u6a5f\u69cb\u5728\u8a55\u4f30\u6295\u8cc7\u7e3e\u6548\u6642\uff0c\u7528\u7684\u9084\u662f\u5831\u916c\u7387\u548c\u5927\u76e4\u6bd4\u8f03\u7684\u8a9e\u8a00\u3002\u9019\u500b\u8a9e\u8a00\u6846\u67b6\u6709\u4e00\u500b\u6839\u672c\u554f\u984c\uff1a\u5b83\u544a\u8a34\u4f60\u300c\u9019\u5b63\u8cfa\u4e86\u591a\u5c11\u300d\uff0c\u4f46\u4e0d\u544a\u8a34\u4f60\u300c\u73fe\u5728\u7684\u8a08\u756b\u8ddd\u96e2\u4f60\u7684\u76ee\u6a19\u6709\u591a\u9060\u300d\u3002<\/p>\n\n\n\n<p>\u4e00\u500b\u5b63\u5ea6\u8dd1\u8f38\u5927\u76e4 2%\uff0c\u548c\u4e00\u500b\u5b63\u5ea6\u8b93\u4f60\u7684\u76ee\u6a19\u9054\u6210\u6a5f\u7387\u5f9e 85% \u4e0b\u964d\u5230 78%\uff0c\u9019\u662f\u5169\u4ef6\u622a\u7136\u4e0d\u540c\u7684\u4e8b\u2014\u2014\u4f46\u50b3\u7d71\u7684\u7e3e\u6548\u5831\u544a\u7121\u6cd5\u544a\u8a34\u4f60\u7b2c\u4e8c\u4ef6\u4e8b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">OCIO \u5177\u9ad4\u8ca0\u8cac\u4ec0\u9ebc\u3001\u4e0d\u8ca0\u8cac\u4ec0\u9ebc<\/h2>\n\n\n\n<p>\u9019\u500b\u554f\u984c\u81f3\u95dc\u91cd\u8981\uff0c\u5c24\u5176\u5c0d\u65bc\u8ca1\u52d9\u9577\u4f86\u8aaa\uff0c\u660e\u78ba\u7684\u5206\u5de5\u754c\u7dda\u662f\u6c7a\u5b9a\u662f\u5426\u6388\u6b0a\u7684\u95dc\u9375\u3002<\/p>\n\n\n\n<p><strong>OCIO \u8ca0\u8cac\u7684\u5de5\u4f5c\uff1a<\/strong><\/p>\n\n\n\n<p>\u6295\u8cc7\u653f\u7b56\u66f8\uff08IPS\uff09\u8a2d\u8a08\u2014\u2014\u6839\u64da\u6a5f\u69cb\u7684\u76ee\u6a19\u3001\u63d0\u9818\u9700\u6c42\u3001\u6295\u8cc7\u671f\u9593\u8207\u98a8\u96aa\u5bb9\u5fcd\u5ea6\uff0c\u8a2d\u8a08\u5b8c\u6574\u7684 IPS \u6846\u67b6\uff0c\u4e26\u6bcf\u5e74\u66f4\u65b0\u3002<\/p>\n\n\n\n<p>\u7b56\u7565\u6027\u8cc7\u7522\u914d\u7f6e\uff08SAA\uff09\u57f7\u884c\u2014\u2014\u4f9d\u64da IPS 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