{"id":15344,"date":"2026-06-09T18:45:22","date_gmt":"2026-06-09T10:45:22","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=15344"},"modified":"2026-06-10T14:43:02","modified_gmt":"2026-06-10T06:43:02","slug":"%e6%89%80%e5%be%97%e6%9b%bf%e4%bb%a3%e7%8e%87%e6%87%b6%e4%ba%ba%e5%8c%85%ef%bc%9a%e9%80%80%e4%bc%91%e5%be%8c%e5%88%b0%e5%ba%95%e8%a6%81%e6%ba%96%e5%82%99%e5%a4%9a%e5%b0%91%e9%8c%a2%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=15344","title":{"rendered":"\u6240\u5f97\u66ff\u4ee3\u7387\u61f6\u4eba\u5305\uff1a\u9000\u4f11\u5f8c\u5230\u5e95\u8981\u6e96\u5099\u591a\u5c11\u9322\uff1f"},"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\/00ba5d92-bbc4-457f-b243-b1d34a6fb7e9-1024x576.png\" alt=\"\" class=\"wp-image-16177\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/00ba5d92-bbc4-457f-b243-b1d34a6fb7e9-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/00ba5d92-bbc4-457f-b243-b1d34a6fb7e9-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/00ba5d92-bbc4-457f-b243-b1d34a6fb7e9-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/00ba5d92-bbc4-457f-b243-b1d34a6fb7e9-1536x864.png 1536w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/05\/00ba5d92-bbc4-457f-b243-b1d34a6fb7e9.png 1672w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u300c\u9000\u4f11\u8981\u5b58\u591a\u5c11\u624d\u5920\uff1f\u300d\u9019\u500b\u554f\u984c\u6709\u4e00\u500b\u770b\u8d77\u4f86\u5f88\u8907\u96dc\u3001\u4f46\u5be6\u969b\u4e0a\u53ef\u4ee5\u7528\u4e00\u500b\u6846\u67b6\u8aaa\u6e05\u695a\u7684\u7b54\u6848\u3002\u9019\u500b\u6846\u67b6\u53eb\u505a\u300c\u6240\u5f97\u66ff\u4ee3\u7387\u300d\uff0c\u7406\u89e3\u5b83\u4e4b\u5f8c\uff0c\u4f60\u6703\u7b2c\u4e00\u6b21\u6709\u4e00\u500b\u53ef\u4ee5\u8a08\u7b97\u7684\u500b\u4eba\u7f3a\u53e3\u6578\u5b57\uff0c\u800c\u4e0d\u53ea\u662f\u6a21\u7cca\u5730\u89ba\u5f97\u300c\u61c9\u8a72\u8981\u591a\u5b58\u4e00\u9ede\u300d\u3002<\/p>\n\n\n\n<p><strong>\u76f4\u63a5\u56de\u7b54\uff1a<\/strong> \u6240\u5f97\u66ff\u4ee3\u7387\uff0c\u662f\u4f60\u9000\u4f11\u5f8c\u6bcf\u6708\u6536\u5165\u4f54\u9000\u4f11\u524d\u85aa\u8cc7\u7684\u6bd4\u4f8b\u3002OECD \u5efa\u8b70\u7684\u5408\u7406\u9000\u4f11\u751f\u6d3b\u66ff\u4ee3\u7387\u7d04\u70ba 70%\uff08Pensions at a Glance 2023\uff09\u3002\u53f0\u7063\u7684\u6cd5\u5b9a\u5236\u5ea6\uff08\u52de\u4fdd\u52a0\u52de\u9000\uff09\u5728\u4e00\u822c\u85aa\u8cc7\u6c34\u6e96\u4e0b\u4f30\u8a08\u63d0\u4f9b\u7d04 30%-40%\u3002\u9019\u500b\u7f3a\u53e3\u2014\u201430 \u5230 40 \u500b\u767e\u5206\u9ede\u2014\u2014\u5c31\u662f\u4f60\u9700\u8981\u9760\u500b\u4eba\u5132\u84c4\u548c\u6295\u8cc7\u586b\u88dc\u7684\u90e8\u5206\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u6240\u5f97\u66ff\u4ee3\u7387\u662f\u4ec0\u9ebc\uff1f\u4e00\u500b\u6bd4\u300c\u8981\u5b58\u591a\u5c11\u300d\u66f4\u7cbe\u6e96\u7684\u554f\u984c<\/h2>\n\n\n\n<p>\u300c\u9000\u4f11\u8981\u5b58\u591a\u5c11\u300d\u9019\u500b\u554f\u984c\u7684\u56f0\u96e3\u5728\u65bc\uff0c\u5b83\u9700\u8981\u77e5\u9053\u4f60\u9000\u4f11\u5f8c\u8981\u82b1\u591a\u5c11\u9322\uff0c\u800c\u9019\u53d6\u6c7a\u65bc\u4f60\u8981\u904e\u4ec0\u9ebc\u6a23\u7684\u751f\u6d3b\u3002<\/p>\n\n\n\n<p>\u300c\u6240\u5f97\u66ff\u4ee3\u7387\u300d\u628a\u9019\u500b\u554f\u984c\u6846\u67b6\u91cd\u65b0\u5b9a\u7fa9\uff1a\u4f60\u9000\u4f11\u5f8c\u7684\u6536\u5165\uff0c\u9700\u8981\u9054\u5230\u9000\u4f11\u524d\u6536\u5165\u7684\u5e7e %\uff0c\u624d\u80fd\u7dad\u6301\u4f60\u60f3\u8981\u7684\u751f\u6d3b\u6c34\u6e96\uff1f<\/p>\n\n\n\n<p>\u70ba\u4ec0\u9ebc\u4e0d\u662f 100%\uff1f\u56e0\u70ba\u9000\u4f11\u5f8c\u6709\u5e7e\u9805\u652f\u51fa\u901a\u5e38\u6703\u4e0b\u964d\uff1a\u901a\u52e4\u4ea4\u901a\u8cbb\u4e0d\u898b\u4e86\u3001\u5b50\u5973\u990a\u80b2\u6210\u672c\u4e0d\u898b\u4e86\u3001\u5132\u84c4\u672c\u8eab\uff08\u4f60\u5728\u5b58\u9322\uff0c\u4f46\u9000\u4f11\u5f8c\u4e0d\u9700\u8981\u5b58\u4e86\uff09\u4e0d\u898b\u4e86\u3002\u6240\u4ee5\u5927\u591a\u6578\u8ca1\u52d9\u898f\u5283\u7684\u5efa\u8b70\u662f\uff0c70%-80% \u7684\u6240\u5f97\u66ff\u4ee3\u7387\uff0c\u8db3\u4ee5\u7dad\u6301\u548c\u5de5\u4f5c\u671f\u9593\u76f8\u8fd1\u7684\u751f\u6d3b\u54c1\u8cea\u3002<\/p>\n\n\n\n<p>OECD\u300aPensions at a Glance 2023\u300b\u5efa\u8b70\u7684\u5408\u7406\u66ff\u4ee3\u7387\u76ee\u6a19\u7d04\u70ba 70%\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\u7684\u73fe\u5be6\uff1a\u6cd5\u5b9a\u5236\u5ea6\u7d66\u4e86\u591a\u5c11\uff1f<\/h2>\n\n\n\n<p>\u9019\u88e1\u6709\u4e00\u500b\u6578\u5b57\u53ef\u80fd\u6703\u8b93\u4f60\u5012\u5438\u4e00\u53e3\u6c23\u3002<\/p>\n\n\n\n<p>\u6839\u64da OECD \u7684\u8a55\u4f30\uff0c\u53f0\u7063\u7684\u6de8\u6240\u5f97\u66ff\u4ee3\u7387\u5728\u4e00\u822c\u85aa\u8cc7\u6c34\u6e96\u4e0b\uff0c\u986f\u8457\u4f4e\u65bc OECD \u5e73\u5747\u7684 58.6%\u3002\u5c0d\u53f0\u7063\u7684\u4e00\u822c\u53d7\u85aa\u52de\u5de5\u800c\u8a00\uff0c\u5982\u679c\u53ea\u9760\u52de\u4fdd\u52a0\u52de\u9000\u7684\u6cd5\u5b9a\u5236\u5ea6\uff0c\u9000\u4f11\u5f8c\u7684\u6240\u5f97\u66ff\u4ee3\u7387\u4f30\u8a08\u5927\u7d04\u5728 30%-40% \u7684\u7bc4\u570d\u3002<\/p>\n\n\n\n<p>\u8b93\u6211\u628a\u9019\u500b\u6578\u5b57\u7ffb\u8b6f\u6210\u4f60\u7684\u751f\u6d3b\uff1a<\/p>\n\n\n\n<p><strong>\u8a66\u7b97\u7bc4\u4f8b\u4e00\uff1a\u6708\u85aa 4 \u842c\u7684\u52de\u5de5<\/strong><\/p>\n\n\n\n<p>\u9000\u4f11\u5f8c\u76ee\u6a19\u6240\u5f97\u66ff\u4ee3\u7387 70%\uff0c\u6bcf\u6708\u9700\u8981 2.8 \u842c\u3002\u6cd5\u5b9a\u5236\u5ea6\u4f30\u8a08\u63d0\u4f9b 1.2-1.6 \u842c\u3002\u6bcf\u6708\u7f3a\u53e3\uff1a1.2-1.6 \u842c\u300230 \u5e74\u9000\u4f11\u671f\u9593\u7684\u7e3d\u7f3a\u53e3\uff1a\u4f30\u8a08 430-580 \u842c\u5143\u3002<\/p>\n\n\n\n<p><strong>\u8a66\u7b97\u7bc4\u4f8b\u4e8c\uff1a\u6708\u85aa 6 \u842c\u7684\u52de\u5de5<\/strong><\/p>\n\n\n\n<p>\u9000\u4f11\u5f8c\u76ee\u6a19\u6240\u5f97\u66ff\u4ee3\u7387 70%\uff0c\u6bcf\u6708\u9700\u8981 4.2 \u842c\u3002\u6cd5\u5b9a\u5236\u5ea6\u4f30\u8a08\u63d0\u4f9b 1.8-2.4 \u842c\u3002\u6bcf\u6708\u7f3a\u53e3\uff1a1.8-2.4 \u842c\u300230 \u5e74\u9000\u4f11\u671f\u9593\u7684\u7e3d\u7f3a\u53e3\uff1a\u4f30\u8a08 650-860 \u842c\u5143\u3002<\/p>\n\n\n\n<p>\u9019\u4e9b\u6578\u5b57\u4e0d\u662f\u5728\u5687\u4f60\uff0c\u800c\u662f\u8b93\u300c\u61c9\u8a72\u8981\u591a\u5b58\u4e00\u9ede\u300d\u9019\u500b\u6a21\u7cca\u611f\u53d7\uff0c\u8b8a\u6210\u4e00\u500b\u5177\u9ad4\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f60\u7684\u500b\u4eba\u7f3a\u53e3\uff1a\u81ea\u5df1\u7b97\u51fa\u4f86<\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u4e00\u500b\u7c21\u5316\u7684\u7f3a\u53e3\u4f30\u7b97\u6846\u67b6\uff0c\u8b93\u4f60\u7528\u624b\u908a\u7684\u6578\u5b57\u505a\u4e00\u6b21\u521d\u6b65\u8a66\u7b97\u3002<\/p>\n\n\n\n<p><strong>\u6b65\u9a5f\u4e00\uff1a\u7b97\u76ee\u6a19\u6708\u6536\u5165<\/strong> \u9000\u4f11\u524d\u9810\u8a08\u6708\u85aa \u00d7 70%\uff08\u6216\u4f60\u8a8d\u70ba\u5408\u9069\u7684\u66ff\u4ee3\u7387\u76ee\u6a19\uff09= \u9000\u4f11\u5f8c\u76ee\u6a19\u6708\u6536\u5165<\/p>\n\n\n\n<p><strong>\u6b65\u9a5f\u4e8c\uff1a\u7b97\u6cd5\u5b9a\u5236\u5ea6\u9810\u8a08\u63d0\u4f9b\u591a\u5c11<\/strong> \u9019\u500b\u6578\u5b57\u53ef\u4ee5\u5728\u52de\u4fdd\u5c40 e-service \u67e5\u8a62\u9810\u4f30\u91d1\u984d\u3002\u5982\u679c\u66ab\u6642\u6c92\u6709\u67e5\uff0c\u53ef\u4ee5\u7528\u85aa\u8cc7\u7684 30% \u4f5c\u70ba\u7c97\u4f30\u3002<\/p>\n\n\n\n<p><strong>\u6b65\u9a5f\u4e09\uff1a\u7b97\u6bcf\u6708\u7f3a\u53e3<\/strong> \u9000\u4f11\u5f8c\u76ee\u6a19\u6708\u6536\u5165 \u2212 \u6cd5\u5b9a\u5236\u5ea6\u9810\u8a08\u6708\u6536\u5165 = \u6bcf\u6708\u7f3a\u53e3<\/p>\n\n\n\n<p><strong>\u6b65\u9a5f\u56db\uff1a\u4f30\u7b97\u9700\u8981\u6e96\u5099\u7684\u7e3d\u8cc7\u7522<\/strong> \u5047\u8a2d\u4f60\u7684\u9000\u4f11\u8cc7\u91d1\u4ee5 4% \u63d0\u9818\u7387\uff08\u6bcf\u5e74\u63d0\u9818\u672c\u91d1\u7684 4%\uff0c\u4e00\u822c\u8996\u70ba\u53ef\u6301\u7e8c 30 \u5e74\u7684\u5b89\u5168\u63d0\u9818\u7387\uff09\uff0c\u6bcf\u6708\u7f3a\u53e3 \u00d7 12 \u00f7 4% = \u9700\u8981\u6e96\u5099\u7684\u9000\u4f11\u8cc7\u7522<\/p>\n\n\n\n<p>\u4ee5\u6708\u7f3a\u53e3 2 \u842c\u70ba\u4f8b\uff1a2 \u842c \u00d7 12 = 24 \u842c\/\u5e74\uff0c24 \u842c \u00f7 4% = 600 \u842c\u3002\u4f60\u9700\u8981\u9760\u500b\u4eba\u5132\u84c4\u548c\u6295\u8cc7\uff0c\u6e96\u5099\u5927\u7d04 600 \u842c\u7684\u9000\u4f11\u8cc7\u7522\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0d\u540c\u5e74\u9f61\u958b\u59cb\u6e96\u5099\uff0c\u58d3\u529b\u5dee\u591a\u5c11\uff1f<\/h2>\n\n\n\n<p>\u540c\u6a23\u7684 600 \u842c\u76ee\u6a19\uff0c\u5f9e\u4e0d\u540c\u5e74\u9f61\u958b\u59cb\uff0c\u6bcf\u6708\u9700\u8981\u6295\u5165\u7684\u91d1\u984d\u5dee\u8ddd\u9a5a\u4eba\u3002<\/p>\n\n\n\n<p>\u5047\u8a2d\u5e74\u5316\u6295\u8cc7\u5831\u916c\u7387 5%\uff1a<\/p>\n\n\n\n<p>25 \u6b72\u958b\u59cb\u6e96\u5099\uff08\u8ddd\u9000\u4f11 40 \u5e74\uff09\uff1a\u6bcf\u6708\u7d04\u9700\u6295\u5165 4,500 \u5143<\/p>\n\n\n\n<p>35 \u6b72\u958b\u59cb\u6e96\u5099\uff08\u8ddd\u9000\u4f11 30 \u5e74\uff09\uff1a\u6bcf\u6708\u7d04\u9700\u6295\u5165 7,900 \u5143<\/p>\n\n\n\n<p>45 \u6b72\u958b\u59cb\u6e96\u5099\uff08\u8ddd\u9000\u4f11 20 \u5e74\uff09\uff1a\u6bcf\u6708\u7d04\u9700\u6295\u5165 14,700 \u5143<\/p>\n\n\n\n<p>\u9019\u500b\u5dee\u8ddd\u8aaa\u660e\u4e86\u4e00\u4ef6\u4e8b\uff1a\u6642\u9593\u662f\u9000\u4f11\u6e96\u5099\u4e2d\u6700\u73cd\u8cb4\u7684\u8cc7\u6e90\u3002\u6bcf\u665a 10 \u5e74\u958b\u59cb\uff0c\u6bcf\u6708\u9700\u8981\u591a\u6295\u5165\u7684\u91d1\u984d\u5e7e\u4e4e\u662f\u7ffb\u500d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u963f\u723e\u767c AI \u6295\u8cc7\u9577\u5de5\u5177\u76d2<\/h2>\n\n\n\n<p><strong>30 \u79d2\u7b97\u51fa\u4f60\u7684\u500b\u4eba\u9000\u4f11\u7f3a\u53e3<\/strong><\/p>\n\n\n\n<p>\u4e0a\u9762\u7684\u6846\u67b6\u662f\u624b\u52d5\u4f30\u7b97\u3002\u963f\u723e\u767c AI \u6295\u8cc7\u9577\u7684\u9000\u4f11\u8a66\u7b97\u5de5\u5177\uff0c\u53ef\u4ee5\u628a\u4f60\u7684\u500b\u4eba\u53c3\u6578\uff08\u85aa\u8cc7\u3001\u73fe\u6709\u8cc7\u7522\u3001\u6bcf\u6708\u6295\u5165\u3001\u9000\u4f11\u5e74\u9f61\uff09\u4ee3\u5165\u8499\u5730\u5361\u7f85\u6a21\u64ec\uff0c\u5728 30 \u79d2\u5167\u7d66\u4f60\u4e00\u500b\u66f4\u7cbe\u78ba\u7684\u500b\u4eba\u7f3a\u53e3\u5206\u6790\uff0c\u4ee5\u53ca\u4f60\u76ee\u524d\u7684\u9000\u4f11\u8a08\u756b\u6210\u529f\u7387\u3002\u8a66\u7b97\u5b8c\u5168\u514d\u8cbb\uff0c\u4e0d\u9700\u8981\u958b\u6236\u3002<\/p>\n\n\n\n<p>\u2192 <strong><a href=\"https:\/\/roboadvisor.com.tw\/InvestCalculator.html\">\u7acb\u5373\u8a66\u7b97\u4f60\u7684\u9000\u4f11\u7f3a\u53e3<\/a><\/strong><\/p>\n\n\n\n<p>\u963f\u723e\u767c\u8b49\u5238\u6295\u8cc7\u9867\u554f\uff08\u80a1\uff09\u516c\u53f8\uff08114 \u91d1\u7ba1\u6295\u9867\u65b0\u5b57\u7b2c 0017 \u865f\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator 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