{"id":1551,"date":"2021-06-15T09:43:00","date_gmt":"2021-06-15T01:43:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1551"},"modified":"2021-06-15T09:43:00","modified_gmt":"2021-06-15T01:43:00","slug":"%e7%81%91%e8%b1%86%e6%88%90%e5%85%b5-%e8%92%99%e5%9c%b0%e5%8d%a1%e7%be%85%e6%a8%a1%e6%93%ac%e6%b3%95","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1551","title":{"rendered":"\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u662f\u4ec0\u9ebc\uff1f\u8a72\u600e\u9ebc\u904b\u7528\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff1f\u7406\u8ca1\u5c08\u5bb6\u5e36\u4f60\u4e86\u89e3\u963f\u723e\u767c\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u8207\u6210\u529f\u6a5f\u7387\uff08 Monte Carlo Method \uff09"},"content":{"rendered":"\n<p>\u4ec0\u9ebc\u662f\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff1f\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u6709\u4ec0\u9ebc\u512a\u7f3a\u9ede\uff1f\u9019\u7bc7\u6587\u7ae0\u6211\u5011\u8ac7\u8ac7\u70ba\u4ec0\u9ebc\u73fe\u5728\u505a\u7406\u8ca1\u898f\u5283\u6703\u5927\u91cf\u904b\u7528\u7684\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u3002<\/p>\n\n\n\n<p>\u4e00\u822c\u800c\u8a00\uff0c\u91d1\u878d\u6a5f\u69cb\u63d0\u5230\u9000\u4f11\u898f\u5283\uff0c\u53ea\u6703\u544a\u8a34\u6211\u5011\u9000\u4f11\u524d\u9700\u8981\u7d2f\u7a4d\u591a\u5c11\u8cc7\u7522\u624d\u80fd\u9000\u4f11\u3002\u4f46\u6211\u5011\u5176\u5be6\u5c0d\u65bc\u9700\u8981\u7d2f\u7a4d\u591a\u5c11\u8cc7\u7522\uff0c\u624d\u80fd\u5b89\u5fc3\u652f\u61c9\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u958b\u92b7\u4e26\u4e0d\u6e05\u695a\uff0c\u56e0\u6b64\u6642\u5e38\u5c0d\u65bc\u9000\u4f11\u611f\u5230\u6182\u5fc3\u8207\u832b\u7136\u3002\u5728\u9019\u88e1\uff0c\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u6703\u5e6b\u60a8\u5b8c\u6210\u9019\u4ef6\u4e8b\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u662f\u4ec0\u9ebc\uff1f<\/a><ul><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u7684\u512a\u9ede<\/a><\/li><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u7684\u7f3a\u9ede<\/a><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u5728\u751f\u6d3b\u4e2d\u7684\u61c9\u7528<\/a><ul><li><a href=\"#aioseo-\">\u61c9\u7528\u4e00\uff1a\u6c23\u8c61\u9810\u5831<\/a><\/li><li><a href=\"#aioseo-3-14159265359\">\u61c9\u7528\u4e8c\uff1a\u6578\u5b78\u7684\u4f30\u8a08 \u03c0 \uff1d 3.14159265359 \u2026\u2026<\/a><ul><li><a href=\"#aioseo-\">\u5982\u4f55\u7528\u8499\u5730\u5361\u7f85\u6a21\u64ec\u4f30\u8a08\u9762\u7a4d\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u5230\u5e95\u8981\u7051\u591a\u5c11\u8c46\u5b50\uff1f<\/a><\/li><\/ul><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u5728\u91d1\u878d\u6295\u8cc7\u7406\u8ca1\u4e2d\u7684\u61c9\u7528<\/a><\/li><li><a href=\"#aioseo-\">\u70ba\u4ec0\u9ebc\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u8981\u63a1\u7528\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff1f<\/a><\/li><li><a href=\"#aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u5982\u4f55\u904b\u4f5c\uff0c\u8a08\u7b97\u8ca1\u52d9\u6210\u529f\u7387\uff1f<\/a><ul><li><a href=\"#aioseo-\">\u9000\u4f11\u898f\u756b\u7684\u6210\u529f\u6a5f\u7387\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u6210\u529f\u6a5f\u7387\u591a\u9ad8\u624d\u662f\u597d\u7684\u9000\u4f11\u898f\u5283\uff1f<\/a><ul><li><a href=\"#aioseo-\">\u6210\u529f\u7387\u8d8a\u9ad8\u8d8a\u597d\u55ce\uff1f<\/a><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u7e3d\u7d50<\/a><ul><li><a href=\"#aioseo-\">\u9644\u4ef6\uff1a\u6a23\u672c\u6578\u5927\u5c0f\u5c0d\u65bc\u8499\u5730\u5361\u7f85\u4f30\u8a08\u03c0\u7cbe\u6e96\u5ea6\u7684\u5f71\u97ff<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u662f\u4e00\u5ea7\u57ce\u5e02\uff0c\u4f4d\u5728\u6469\u7d0d\u54e5\uff0c\u4ee5\u8ced\u5834\u805e\u540d\u30021940 \u5e74\u4ee3\uff0c\u79d1\u5b78\u5bb6\u99ae\u00b7\u7d10\u66fc\uff08 John Von Neumann \uff09\u7b49\u4eba\u5728\u9032\u884c\u6838\u6b66\u8a08\u5283\u6642\uff0c\u5f97\u77e5\u89aa\u53cb\u5011\u7d93\u5e38\u5728\u7576\u5730\u8ced\u5834\u8f38\u9322\uff0c\u5f15\u8d77\u4ed6\u5011\u5c0d\u65bc\u6a5f\u7387\u7684\u7814\u7a76\uff0c\u800c\u767c\u660e\u4e86\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff1a\u4ee5\u6a5f\u7387\u70ba\u57fa\u790e\u7684\u7d71\u8a08\u6a21\u578b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff08\u82f1\u8a9e\uff1aMonte Carlo Method \uff09\uff0c\u662f 1940 \u5e74\u4ee3\u4e2d\u671f\u5728\u79d1\u5b78\u5bb6\u99ae\uff0e\u7d10\u66fc\u3001\u65af\u5854\u5c3c\u65af\u62c9\u592b\uff0e\u70cf\u62c9\u59c6\u4ee5\u53ca\u5c3c\u53e4\u62c9\u65af\uff0e\u6885\u7279\u7f85\u6ce2\u5229\u65af\u65bc\u82e5\u65af\u963f\u62c9\u83ab\u65af\u570b\u5bb6\u5be6\u9a57\u5ba4\u70ba\u6838\u6b66\u5668\u8a08\u756b\u5de5\u4f5c\u6642\u6240\u767c\u660e\u7684\uff0c\u81f3\u65bc\u70ba\u4f55\u6703\u53d6\u300c\u8499\u5730\u5361\u7f85\u300d\u9019\u500b\u540d\u5b57\u5462\uff1f<\/p>\n\n\n\n<p>\u90a3\u662f\u56e0\u70ba\u70cf\u62c9\u59c6\u7684\u53d4\u53d4\u7d93\u5e38\u5728\u6469\u7d0d\u54e5\u7684\u8499\u5730\u5361\u7f85\u8ced\u5834\u8f38\u9322\u8f38\u7684\u4e00\u5c41\u80a1\u800c\u5f97\u540d\uff0c\u56e0\u70ba\u8499\u5730\u5361\u7f85\u65b9\u6cd5\u6b63\u662f\u4ee5<strong>\u6a5f\u7387\u70ba\u57fa\u790e\u7684\u65b9\u6cd5<\/strong>\u3002<\/p>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u53ef\u5229\u7528\u4e0a\u767e\u751a\u81f3\u4e0a\u5343\u7a2e\u4e0d\u540c\u7684\u5e02\u5834\u73fe\u8c61\u4f86\u6e2c\u8a66\u67d0\u9805\u7b56\u7565\u3002\u6bd4\u8d77\u5e73\u5747\u5831\u916c\u7387\u6cd5\uff0c\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u662f<strong>\u57fa\u65bc\u5927\u6578\u6cd5\u5247<\/strong>\u7684\u5be6\u8b49\u65b9\u6cd5\uff0c\u7576\u5be6\u9a57\u7684\u6b21\u6578\u8d8a\u591a\uff0c\u5176\u5e73\u5747\u503c\u4e5f\u5c31\u6703\u8d8a\u8da8\u8fd1\u65bc\u7406\u8ad6\u503c\u3002<\/p>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u50cf\u6a21\u64ec\u57ce\u5e02\u3001\u6a21\u64ec\u98db\u884c\uff0c\u53ef\u4ee5\u5e6b\u52a9\u6211\u5011\u6a21\u64ec\u4eba\u751f\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u8b93\u6211\u5011\u77e5\u9053\u672a\u4f86\u5831\u916c\u7387\u512a\u65bc\u9810\u671f\u3001\u4f4e\u65bc\u9810\u671f\u3001\u7b26\u5408\u9810\u671f\u7684\u5404\u7a2e\u72c0\u6cc1\u4e0b\uff0c\u6211\u5011\u6703\u64c1\u6709\u591a\u5c11\u8ca1\u5bcc\uff1f<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/\u8499\u5730\u5361\u7f85.png\" alt=\"\" class=\"wp-image-8244\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/\u8499\u5730\u5361\u7f85.png 1280w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/\u8499\u5730\u5361\u7f85-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/\u8499\u5730\u5361\u7f85-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/\u8499\u5730\u5361\u7f85-768x432.png 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u7684\u512a\u9ede<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9069\u7528\u65bc\u6240\u6709\u985e\u578b\u8cc7\u7522\u3002<\/li>\n\n\n\n<li>\u70ba\u7121\u6bcd\u6578\u65b9\u6cd5\uff0c\u4e0d\u5fc5\u6709\u6a21\u578b\u5206\u914d\u7684\u5047\u8a2d\uff0c\u6545\u4e0d\u5b58\u5728\u6a21\u578b\u98a8\u96aa\u3002<\/li>\n\n\n\n<li>\u70ba<strong>\u5168\u984d\u8a55\u50f9\u6cd5<\/strong>\uff0c\u8a08\u7b97\u4e0a\u7121\u9808\u8003\u616e\u7e41\u96dc\u7684\u8b8a\u7570\u6578\u5171\u8b8a\u7570\u6578\u554f\u984c\u3002<\/li>\n\n\n\n<li>\u50f9\u683c\u6ce2\u52d5\u8207\u76f8\u95dc\u6027\u7686\u5217\u5165\u8003\u91cf\uff0c\u4e14\u5305\u542b\u6975\u7aef\u503c\u3001\u8003\u616e\u539a\u5c3e\u3002<\/li>\n\n\n\n<li>\u7a0b\u5f0f\u8a2d\u8a08\u7c21\u6613\uff0c\u5bb9\u6613\u64cd\u4f5c\u3002<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u7684\u7f3a\u9ede<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6b77\u53f2\u8cc7\u6599\u4e2d\u7684\u8da8\u52e2\u53ef\u80fd\u626d\u66f2\u7d50\u679c\u3002<\/li>\n\n\n\n<li>\u904e\u65bc\u501a\u9760\u7279\u5225\u6b77\u53f2\u8cc7\u6599\u96c6\u5408\uff0c\u5ffd\u7565\u8cc7\u6599\u96c6\u5408\u5916\u4e4b\u98a8\u96aa\u8003\u91cf\u3002<\/li>\n\n\n\n<li>\u98a8\u96aa\u503c\u53ef\u80fd\u53d7\u5230\u6975\u7aef\u503c\u3001\u6216\u7d50\u69cb\u6027\u6539\u8b8a\u7684\u5f71\u97ff\u3002<\/li>\n\n\n\n<li>\u64ec\u4f3c\u6bcd\u9ad4\u7684\u500b\u6578\u6c7a\u5b9a\u5e36\u6709\u4e3b\u89c0\u6210\u4efd\uff0c\u5c0f\u6a23\u672c\u4e0b\u6a21\u578b\u8aa4\u5dee\u5f88\u5927\u3002<\/li>\n\n\n\n<li>\u4e0d\u6613\u9032\u884c\u654f\u611f\u5ea6\u5206\u6790\u4ea6\u5373\u4e0d\u6613\u9032\u884c\u6578\u5b78\u89e3\u6790\u6027\u7684\u8655\u7406\u3002<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u5728\u751f\u6d3b\u4e2d\u7684\u61c9\u7528<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u61c9\u7528\u4e00\uff1a\u6c23\u8c61\u9810\u5831<\/h3>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u65b9\u6cd5\u4e26\u4e0d\u53ea\u662f\u9396\u5728\u8c61\u7259\u5854\u4e2d\u795e\u7955\u7684\u4e0d\u50b3\u5bf6\u5178\uff0c\u53ea\u8981\u770b\u904e\u98b1\u98a8\u6c23\u8c61\u9810\u5831\u7684\u4eba\uff0c\u80af\u5b9a\u5c31\u770b\u904e\u8499\u5730\u5361\u7f85\u7684\u5be6\u969b\u61c9\u7528\u7bc4\u4f8b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"465\" height=\"319\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-2.png\" alt=\"\" class=\"wp-image-1552\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-2.png 465w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-2-300x206.png 300w\" sizes=\"auto, (max-width: 465px) 100vw, 465px\" \/><\/figure>\n\n\n\n<p>\u8a31\u591a\u4eba\u6703\u6709\u7684\u7591\u554f\u662f\uff1a\u98b1\u98a8\u7684\u9810\u6e2c\u7bc4\u570d\u70ba\u4ec0\u9ebc\u96a8\u8457\u65e5\u671f\u8d8a\u665a\uff0c\u7bc4\u570d\u8d8a\u5927\uff1f\u6c23\u8c61\u9810\u5831\u4e0a\u6a21\u64ec\u53ef\u80fd\u7684\u98b1\u98a8\u8def\u5f91\uff0c\u4e26\u5448\u73fe70%\u53ef\u80fd\u7684\u98b1\u98a8\u672a\u4f86\u8def\u5f91\uff0c\u96a8\u8457\u65e5\u671f\u8d8a\u665a\uff0c\u80fd\u9810\u6e2c\u7684\u8d70\u52e2\u81ea\u7136\u8d8a\u4e0d\u78ba\u5b9a\uff0c\u7406\u6240\u7576\u7136\u7684\u6240\u5448\u73fe\u7bc4\u570d\u8d8a\u5927\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-3-14159265359\">\u61c9\u7528\u4e8c\uff1a\u6578\u5b78\u7684\u4f30\u8a08 \u03c0 \uff1d 3.14159265359 \u2026\u2026<\/h3>\n\n\n\n<p>\u8b93\u6211\u900f\u904e\u500b\u7c21\u55ae\u7684\u5be6\u505a\u8209\u4f8b\u70ba\u5404\u4f4d\u4ecb\u7d39\u8499\u5730\u5361\u7f85\u6cd5\u3002<\/p>\n\n\n\n<p>\u6bcf\u500b\u4eba\u904e\u53bb\u90fd\u5b78\u904e\uff0c\u03c0 \u662f\u4e00\u500b\u7121\u7406\u6578\uff0c\u7d04\u7b49\u65bc 3.14159265359 \u2026\u2026\uff0c\u7136\u800c\u6211\u5011\u7a76\u7adf\u8981\u5982\u4f55\u6c42\u5f97 \u03c0 \u7684\u8fd1\u4f3c\u503c\u5462\uff1f\u6211\u5011\u53ef\u4ee5\u7528\u8499\u5730\u5361\u7f85\u6cd5\u4f86\u4f30\u7b97 \u03c0 \u3002<\/p>\n\n\n\n<p>\u9996\u5148\u6211\u5011\u4f86\u770b\u4e00\u500b\u5716\u5f62\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"123\" height=\"123\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-3.png\" alt=\"\" class=\"wp-image-1553\"\/><\/figure>\n\n\n\n<p>\u9019\u500b\u5716\u5f62\u70ba\u6b63\u65b9\u5f62\u4e2d\u3002\u5305\u542b\u4e86\u4e00\u500b 1\/4 \u5713\uff0c\u5047\u8a2d\u6b63\u65b9\u5f62\u7684\u908a\u9577\u70ba r\uff0c\u5247\u6b63\u65b9\u5f62\u7684\u9762\u7a4d\u70ba <em>r<\/em><sub><sup>2<\/sup><\/sub>\uff0c1\/4 \u5713\u7684\u9762\u7a4d\u70ba <em>\u03c0r<\/em><sub><sup>2<\/sup><\/sub> \/4\uff0c\u82e5\u6211\u5011\u900f\u904e\u62bd\u6a23\u4f30\u7b97\u51fa\u4f86\u6b63\u65b9\u5f62\u9762\u7a4d\u70ba A\uff0c1\/4 \u5713\u7684\u9762\u7a4d\u70ba B \u5247\u53ef\u4ee5\u5beb\u6210\u4ee5\u4e0b\u95dc\u4fc2\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"106\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-4.png\" alt=\"\" class=\"wp-image-1555\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-4.png 1000w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-4-300x32.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-4-768x81.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>\u900f\u904e\u4e00\u4e9b\u63a8\u5c0e\uff0c\u6211\u5011\u53ef\u4ee5\u5f97\u77e5 \u03c0\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"100\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-5.png\" alt=\"\" class=\"wp-image-1556\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-5.png 1000w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-5-300x30.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-5-768x77.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>\u4e0a\u8ff0\u7684\u689d\u4ef6\u5f0f\u544a\u8a34\u4e86\u6211\u5011\uff0c\u03c0 \u5be6\u969b\u4e0a\u53ef\u4ee5\u7528\u5713\u7684\u9762\u7a4d\u9664\u65bc A \u4f86\u6c42\u53d6\uff0c\u63db\u53e5\u8a71\u8aaa\u53ea\u8981\u80fd\u78ba\u5207\u7684\u4f30\u8a08\u6b63\u65b9\u5f62\u7684\u9762\u7a4d (A) \u4ee5\u53ca 1\/4 \u5713\u7684\u9762\u7a4d (B) \u4e4b\u9593\u7684\u6bd4\u4f8b\uff0c\u5c31\u53ef\u4ee5\u4f30\u8a08 \u03c0 \u503c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-\">\u5982\u4f55\u7528\u8499\u5730\u5361\u7f85\u6a21\u64ec\u4f30\u8a08\u9762\u7a4d\uff1f<\/h4>\n\n\n\n<p>\u82e5\u4e0d\u4f7f\u7528\u9762\u7a4d\u516c\u5f0f\uff0c\u8981\u5982\u4f55\u4f30\u8a08\u6b63\u65b9\u5f62\u4ee5\u53ca 1\/4 \u5713\u7684\u9762\u7a4d\u5462\uff1f\u6211\u5011\u53ef\u4ee5\u7528\u6492\u8c46\u5b50\u7684\u65b9\u5f0f\u4f86\u4f30\u8a08\u3002\u6211\u5011\u53ef\u4ee5\u5728\u4e0b\u65b9\u7684\u756b\u5e03\u4e0a\u7051\u4e0a\u8c46\u5b50\uff0c\u5c07\u843d\u5728\u5713\u88e1\u9762\u7684\u8c46\u5b50\u6f06\u6210\u9ec3\u8272\u3001\u5713\u5916\u9762\u7684\u8c46\u5b50\u6f06\u6210\u85cd\u8272\uff0c<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"220\" height=\"217\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-6.png\" alt=\"\" class=\"wp-image-1557\"\/><\/figure>\n\n\n\n<p>\u9019\u4e9b\u8c46\u5b50\u5c31\u53ef\u4ee5\u5e6b\u52a9\u6211\u5011\u6c42\u51fa 1\/4 \u5713\u4ee5\u53ca\u6b63\u65b9\u5f62\u7684\u9762\u7a4d\u6bd4\uff1a<\/p>\n\n\n\n<p>1\/4 \u5713\u7684\u9762\u7a4d\uff1d\u9ec3\u8272\u8c46<\/p>\n\n\n\n<p>\u6b63\u65b9\u5f62\u7684\u9762\u7a4d\uff1d\u9ec3\u8272\u8c46\u5b50\uff0b\u85cd\u8272\u8c46<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"110\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-7.png\" alt=\"\" class=\"wp-image-1558\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-7.png 1000w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-7-300x33.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-7-768x84.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"aioseo-\">\u5230\u5e95\u8981\u7051\u591a\u5c11\u8c46\u5b50\uff1f<\/h4>\n\n\n\n<p>\u9019\u6642\u53ef\u80fd\u5c31\u6703\u6709\u7591\u554f\u4e86\uff0c\u5230\u5e95\u8981\u6492\u591a\u5c11\u7684\u8c46\u5b50\uff0c\u6211\u5011\u7684\u7d50\u679c\u624d\u5177\u6709\u53ef\u4fe1\u5ea6\u5462?<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"211\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-8.png\" alt=\"\" class=\"wp-image-1559\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-8.png 650w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-8-300x97.png 300w\" sizes=\"auto, (max-width: 650px) 100vw, 650px\" \/><\/figure>\n\n\n\n<p>\u7576\u8c46\u5b50\u53ea\u6709 100 \u500b\u6642\uff0c\u5c31\u5716\u5f62\u800c\u8a00\u770b\u4e0d\u51fa 1\/4 \u5713\uff0c\u5c0d \u03c0 \u7684\u4f30\u8a08\u6548\u679c\u4e5f\u5f88\u5dee\uff0c\u7576\u6709 1,000 \u500b\u8c46\u5b50\u6642\uff0c\u5716\u5f62\u5df2\u7d93\u96b1\u96b1\u7d04\u7d04\u53ef\u4ee5\u770b\u51fa 1\/4 \u5713\uff0c\u5c0d\u65bc \u03c0 \u7684\u4f30\u8a08\u7d50\u679c\u4e5f\u8b8a\u597d\u4e86\uff0c\u7576\u8c46\u5b50\u7684\u6578\u76ee\u4f86\u523010,000 \u500b\u6642\uff0c\u53ef\u4ee5\u770b\u5230\u5f88\u660e\u986f\u7684 1\/4 \u5713\uff0c\u4f30\u8a08\u7d50\u679c\u4e5f\u6bd4 1000 \u500b\u6642\u66f4\u7cbe\u78ba\u3002\u7576\u6211\u5011\u6492\u8d85\u904e100,000 \u500b\u8c46\u5b50\u6642\uff0c\u5c0d \u03c0 \u7684\u4f30\u8a08\u4f86\u5230\u4e86\u5c0f\u6578\u9ede\u5f8c 2 \u4f4d\u6578\u7684\u7cbe\u78ba\u7a0b\u5ea6\uff0c\u800c\u4e14 1\/4 \u5713\u8b8a\u5f97\u975e\u5e38\u660e\u986f\u3002<\/p>\n\n\n\n<p>\u5be6\u969b\u4e0a\u6a23\u672c\u6578\u5c0d\u65bc\u4f30\u8a08 \u03c0 \u7cbe\u6e96\u5ea6\u7684\u5f71\u97ff\u5fc5\u9808\u6709\u591a\u6b21\u7684\u62bd\u6a23\u624d\u80fd\u4e0b\u7d50\u8ad6\uff0c\u4f46\u5c31\u4e0d\u5728\u9019\u88e1\u8d05\u8ff0\uff0c\u6709\u8208\u8da3\u7684\u8b80\u8005\u53ef\u4ee5\u53c3\u8003\u6536\u9304\u7684\u9644\u4ef6\u3002\u53ea\u9700\u8981\u8a18\u5f97\uff0c\u7576\u6211\u5011\u6492\u7684\u8c46\u5b50\u8d8a\u591a\uff0c\u5c0d\u65bc\u4f30\u8a08 \u03c0 \u7684\u7cbe\u6e96\u5ea6\u8d8a\u597d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u5728\u91d1\u878d\u6295\u8cc7\u7406\u8ca1\u4e2d\u7684\u61c9\u7528<\/h2>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u6cd5\u5728\u91d1\u878d\u4e2d\u53ef\u4ee5\u8aaa\u662f\u88ab\u5ee3\u6cdb\u7684\u61c9\u7528\uff0c\u5f9e\u5305\u542b\u98a8\u96aa\u503c\u7684\u4f30\u8a08\u4ee5\u53ca\u8907\u96dc\u7684\u884d\u751f\u6027\u91d1\u878d\u5546\u54c1\u5b9a\u50f9\u7b49\u7b49\uff0c\u800c\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u4f7f\u7528\u6b64\u65b9\u6cd5\u5354\u52a9\u6295\u8cc7\u4eba\u8a55\u4f30\u672a\u4f86\u6295\u8cc7\u8a08\u756b\u7684\u6210\u529f\u6a5f\u7387\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"278\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-9.png\" alt=\"\" class=\"wp-image-1560\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-9.png 554w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-9-300x151.png 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n\n\n\n<p>\u9664\u4e86\u8a66\u7b97\u6210\u529f\u6a5f\u7387\u5916\uff0c\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u900f\u904e\u8996\u89ba\u5316\u7684\u65b9\u5f0f\u5448\u73fe\u4e09\u7a2e\u60c5\u6cc1\u4e0b\u8cc7\u7522\u7684\u7d2f\u7a4d\u60c5\u6cc1\uff08\u8f03\u597d\u60c5\u6cc1\u3001\u4e00\u822c\u60c5\u6cc1\u3001\u8f03\u5dee\u60c5\u6cc1\uff09\uff0c\u8b93\u6295\u8cc7\u4eba\u80fd\u5168\u9762\u6027\u7684\u4e86\u89e3\u6295\u8cc7\u8a08\u756b\u7684\u7a69\u5065\u7a0b\u5ea6\u3002<\/p>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6703\u7522\u751f\u842c\u500b\u4e0d\u540c\u7684\u7d50\u679c\uff0c\u6211\u5011\u6703\u4ee5\u767e\u5206\u4f4d\u6578\u5340\u5206\u3001\u7c21\u5316\u6578\u64da\u3001\u88fd\u6210\u5716\u8868\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u901a\u5e38\u4ee5\u4e2d\u4f4d\u6578\uff08 50 \u767e\u5206\u4f4d\u6578\uff09\u4e4b\u7d50\u679c\u4ee3\u8868\u4e00\u822c\u60c5\u6cc1\uff0c\u5373\u6211\u5011\u7684\u898f\u5283\u6709\u4e00\u534a\u7684\u6a5f\u6703\u6709\u66f4\u597d\u7684\u8868\u73fe\uff0c\u4e5f\u6709\u4e00\u534a\u7684\u6a5f\u6703\u6709\u66f4\u5dee\u7684\u8868\u73fe\uff0c\u800c\u5404\u5bb6\u696d\u8005\u6703\u81ea\u884c\u5b9a\u7fa9\u8f03\u4f73\u60c5\u6cc1\u8207\u8f03\u5dee\u60c5\u6cc1\u7684\u7bc4\u570d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"350\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-10.png\" alt=\"\" class=\"wp-image-1561\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-10.png 554w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-10-300x190.png 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u70ba\u4ec0\u9ebc\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u8981\u63a1\u7528\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff1f<\/h2>\n\n\n\n<p>\u904e\u53bb\u5728\u505a\u9000\u4f11\u898f\u5283\u6642\uff0c\u6211\u5011\u6642\u5e38\u5c07\u5e73\u5747\u5831\u916c\u7387\u5047\u8a2d\u70ba\u6bcf\u5e74\u56fa\u5b9a\u4e0d\u8b8a\uff0c\u4f46\u9019\u4e26\u4e0d\u7b26\u5408\u91d1\u878d\u5e02\u5834\u7684\u771f\u5be6\u72c0\u6cc1\uff0c\u800c\u9019\u6703\u5f71\u97ff\u5230\u6211\u5011\u505a\u898f\u5283\u6642\u7684\u4e0d\u78ba\u5b9a\u6027\u3002<\/p>\n\n\n\n<p>\u5927\u591a\u6578\u4eba\u5728\u505a\u9000\u4f11\u6642\u4f7f\u7528\u5236\u5f0f\u7684\u9000\u4f11\u8a08\u7b97\uff0c\u4e26\u6c92\u6709\u628a\u5831\u916c\u9806\u5e8f\u7684\u91cd\u8981\u6027\u8003\u616e\u5728\u5167\uff0c\u662f\u4e00\u7a2e\u4e0d\u53ca\u683c\u7684\u601d\u8003\u6a21\u5f0f\u3002\u6240\u4ee5\u300a\u6295\u8cc7\u91d1\u5f8b\u300b\u7684\u4f5c\u8005 William Bernstein \u5c07\u9019\u7a2e\u5047\u8a2d\u6bcf\u5e74\u5831\u916c\u90fd\u4e00\u6a23\u7684\u9000\u4f11\u8a08\u7b97\uff0c\u7a31\u4f5c\u5730\u7344\u4f86\u7684\u9000\u4f11\u8a08\u7b97\u6a5f\uff08 Retirement Calculator from Hell \uff09\u3002<\/p>\n\n\n\n<p>\u4ee5\u300c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4835\" title=\"\">\u5e73\u5747\u5831\u916c\u7387<\/a>\u300d\uff08 Average Rate of Return \uff09\u4f86\u505a\u8ca1\u52d9\u9810\u6e2c\uff0c\u6700\u6015\u7684\u662f\u5728\u8a66\u7b97\u521d\u671f\u5831\u916c\u7387\u4e0d\u5982\u9810\u671f\u7684\u72c0\u6cc1\uff0c\u540c\u6a23\u7684\u5e74\u5316\u5831\u916c\u7387\uff0c\u9806\u5e8f\u8abf\u63db\u5f8c\u5c0d\u6700\u5f8c\u5269\u9918\u7684\u8cc7\u7522\u6703\u6709\u622a\u7136\u4e0d\u540c\u7684\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u5728\u56de\u6e2c\u4e0a\u90fd\u662f\u5229\u7528\u5df2\u767c\u751f\u7684\u904e\u53bb\u5831\u916c\u4f86\u9032\u884c\u6e2c\u8a66\uff0c\u6bcf\u4e00\u5e74\u5831\u916c\u591a\u5c11\u3001\u5982\u4f55\u6392\u5e8f\u90fd\u662f\u56fa\u5b9a\u7684\uff0c\u6309\u7167\u9019\u6a23\u505a\u5e38\u5e38\u843d\u5165\u300c<strong><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1868\" title=\"\">\u8ffd\u9010\u9ad8\u5831\u916c<\/a><\/strong>\u300d\u7684\u9677\u9631\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u5e38\u5f15\u7528\u7684\u5e74\u5316\u5831\u916c\u53ea\u662f\u7406\u8ad6\u4e0a\u7684\u6578\u64da\uff0c\u90fd\u5047\u8a2d\u5e02\u5834\u6bcf\u5e74\u6709\u591a\u5c11\u5831\u916c\uff0c\u4f46\u73fe\u5be6\u4e2d\u6bcf\u5e74\u7684\u5831\u916c\u90fd\u8d77\u8d77\u4f0f\u4f0f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u5982\u4f55\u904b\u4f5c\uff0c\u8a08\u7b97\u8ca1\u52d9\u6210\u529f\u7387\uff1f<\/h2>\n\n\n\n<p>\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u904b\u4f5c\u6a21\u5f0f\u4e3b\u8981\u6709\u5169\u90e8\u5206\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u7528\u8499\u5730\u5361\u7f85\u53bb\u6a21\u64ec\u6642\uff0c\u6703\u9700\u8981\u7522\u751f\u5404\u7a2e\u6a5f\u7387\u5206\u5e03\u7684\u96a8\u6a5f\u8b8a\u6578\u3002<\/strong><\/li>\n\n\n\n<li><strong>\u7528\u7d71\u8a08\u65b9\u6cd5\u628a\u6a21\u578b\u7684\u6578\u5b57\u7279\u5fb5\u4f30\u8a08\u51fa\u4f86\uff0c\u5f9e\u800c\u5f97\u5230\u5be6\u969b\u554f\u984c\u7684\u6578\u503c\u89e3\u3002<\/strong><\/li>\n<\/ol>\n\n\n\n<p>\u5047\u8a2d\u5728\u6e96\u5099\u5b58\u9000\u4f11\u91d1\u3001\u6216\u662f\u8ca1\u5bcc\u81ea\u7531\u7684\u88ab\u52d5\u6536\u5165\uff0c\u5728\u672a\u4f86\u5b58\u9322\u7684\u671f\u9593\uff0c\u6703\u63a1\u7528\u96a8\u6a5f\u7684\u65b9\u5f0f\u9078\u53d6\u6bcf\u5e74\u7684\u5e02\u5834\u5831\u916c\uff0c\u751f\u62101\u842c\u7a2e\u5e02\u5834\u5047\u8a2d\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p>\u5728\u672a\u4f86\u6bcf\u4e00\u5e74\u4e2d\uff0c\u5e74\u5fa9\u4e00\u5e74\u91cd\u8907\u6b64\u904e\u7a0b\uff0c\u9032\u884c\u4e0a\u842c\u6b21\u7684\u6a21\u64ec\u8a66\u7b97\uff0c\u7531\u6b64\u8a55\u4f30\u6bcf\u4e00\u7a2e\u5e02\u5834\u72c0\u6cc1\u5c0d\u8cc7\u7522\u7684\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u4f86\u60f3\u60f3\uff0c\u5728\u505a\u7406\u8ca1\u898f\u5283\u6642\uff0c\u4f60\u6709\u591a\u5c11\u628a\u63e1\u53bb\u9054\u6210\u8ca1\u5bcc\u81ea\u7531\u6216\u662f\u5b58\u5230\u4e00\u767e\u842c\u3001\u4e00\u5343\u842c\u7684\u7406\u8ca1\u76ee\u6a19\uff1f<\/p>\n\n\n\n<p>\u6210\u529f\u7387\u662f\u5148\u8dd1\u6a21\u64ec\uff0c\u518d\u770b\u6700\u5f8c\u5e33\u6236\u6709\u9322\u7684\u767e\u5206\u6bd4\u3002\u7c21\u55ae\u4f86\u8b1b\uff0c\u5c31\u50cf\u662f\u5c04\u5f13\u7bad\u3001\u4e1f\u98db\u93e2\u6642\uff0c\u6709\u5e7e\u6b21\u6703\u4e0a\u9776\uff1f<\/p>\n\n\n\n<p>\u6295\u8cc7\u7406\u8ca1\u5c31\u50cf\u662f\u8b93\u4f60\u7684\u9322\u53bb\u5e6b\u4f60\u53bb\u5c04\u7bad\uff0c\u5728\u6a21\u64ec\u7684\u904e\u7a0b\uff0c\u7406\u8ca1\u76ee\u6a19\u8b8a\u6210\u4e00\u500b\u9776\uff0c\u7136\u5f8c\u8b93\u7406\u8ca1\u65b9\u5f0f\u53bb\u5c04\u7bad\uff0c\u5c04\u5b8c\u4e4b\u5f8c\u518d\u5c07\u4e2d\u9776\u7684\u5f13\u7bad\u53d6\u4e0b\u4f86\uff0c\u7136\u5f8c\u7528\u4f60\u525b\u525b\u5c04\u51fa\u53bb\u7684\u8ddf\u4e2d\u9776\u7684\u53bb\u4f30\u7b97\u9019\u500b\u9776\u6709\u591a\u5927\uff0c\u6216\u662f\u6709\u5e7e\u652f\u5f13\u7bad\u4e0a\u9776\u3002<\/p>\n\n\n\n<p>\u5982\u6b64\u4e00\u4f86\u5c31\u53ef\u4ee5\u7b97\u51fa\u4f60\u53ef\u4ee5\u5b58\u5230\u4e00\u5343\u842c\u3001\u6216\u662f\u6210\u529f\u6709\u591a\u5c11\u88ab\u52d5\u6536\u5165\u7684\u6982\u7387\u6709\u591a\u5927\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-43.png\" alt=\"\" class=\"wp-image-8233\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-43.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-43-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-43-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-43-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-43-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u9000\u4f11\u898f\u756b\u7684\u6210\u529f\u6a5f\u7387\u662f\u4ec0\u9ebc\uff1f<\/h3>\n\n\n\n<p>\u82e5\u60a8\u9000\u4f11\u898f\u5283\u4e4b\u6210\u529f\u6a5f\u7387\u70ba 80%\uff0c\u4ee3\u8868 1 \u842c\u6b21\u672a\u4f86\u91d1\u878d\u5e02\u5834\u6a21\u64ec\u7684\u60c5\u5f62\u4e2d\uff0c\u60a8\u7684\u9000\u4f11\u898f\u5283\u67098,000 \u7a2e\u7d50\u679c\uff0c\u5230 90 \u6b72\u6642\u9084\u6709\u5269\u9918\u8cc7\u91d1\u53ef\u4f7f\u7528\uff0c\u8868\u793a\u60a8\u7684\u9000\u4f11\u898f\u5283\u5728\u8a31\u591a\u74b0\u5883\u4e2d\u7a69\u5065\u53ef\u884c\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u60a8\u4e5f\u53ef\u4ee5\u4fee\u6b63\u898f\u5283\u4e2d\u7684\u67d0\u4e9b\u74b0\u7bc0\uff0c\u4ee5\u63d0\u9ad8\u6210\u529f\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-42.png\" alt=\"\" class=\"wp-image-8230\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-42.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-42-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-42-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-42-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-42-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u6210\u529f\u6a5f\u7387\u591a\u9ad8\u624d\u662f\u597d\u7684\u9000\u4f11\u898f\u5283\uff1f<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u82e5\u60a8\u7684\u6210\u529f\u6a5f\u7387\u9054 95 %\u4ee5\u4e0a<\/strong>\uff0c\u8868\u793a\u60a8\u7684\u9000\u4f11\u898f\u5283\u662f\u4ee4\u4eba\u653e\u5fc3\u548c\u5b8c\u6574\uff0c\u5230 90 \u6b72\u6642\u9084\u6703\u5269\u9918\u8a31\u591a\u8cc7\u91d1\uff0c\u56e0\u6b64\u901a\u5e38\u6703\u5e0c\u671b\u60a8\u53ef\u4ee5\u589e\u52a0\u652f\u51fa\uff0c\u597d\u597d\u4eab\u53d7\u9000\u4f11\u751f\u6d3b\u6216\u662f\u53ef\u4ee5\u898f\u5283\u50b3\u627f\u7d66\u4e0b\u4e00\u4ee3\u7684\u8cc7\u7522\u7d44\u5408\u898f\u5283\u3002<br \/><\/li>\n\n\n\n<li><strong>\u82e5\u60a8\u7684\u6210\u529f\u6a5f\u7387\u5728 75% &#8211; 95%<\/strong>\uff0c\u8868\u793a\u60a8\u7684\u898f\u5283\u8cc7\u91d1\u662f\u5145\u8db3\u7684\uff0c\u53ea\u8981\u6309\u7167\u9000\u4f11\u898f\u5283\u7684\u65b9\u6cd5\u57f7\u884c\uff0c\u5230 90 \u6b72\u6642\u60a8\u53ef\u4ee5\u4eab\u6709\u5b89\u7a69\u7684\u9000\u4f11\u751f\u6d3b\u3002\u4e0d\u904e\u9762\u81e8\u7684\u98a8\u96aa\u5c31\u662f\u5728\u9000\u4f11\u7684\u521d\u671f\uff0c\u56e0\u70ba\u91d1\u878d\u5e02\u5834\u7684\u8f03\u5927\u6ce2\u52d5\u800c\u7522\u751f\u5de8\u5e45\u640d\u5931\u7684\u98a8\u96aa\uff0c\u9032\u800c\u5f71\u97ff\u8cc7\u7522\u7684\u50f9\u503c\uff0c\u9019\u6642\u5c31\u53ef\u80fd\u9700\u91cd\u65b0\u8abf\u6574\u60a8\u7684\u9000\u4f11\u898f\u5283\uff01<br \/><\/li>\n\n\n\n<li><strong>\u82e5\u60a8\u7684\u6210\u529f\u6a5f\u7387\u4f4e\u65bc 75%<\/strong>\uff0c\u8868\u793a\u60a8\u7684\u898f\u5283\u9700\u8981\u91cd\u65b0\u8abf\u6574\uff0c\u53ef\u80fd\u7121\u6cd5\u6eff\u8db3\u5b89\u7a69\u7684\u9000\u4f11\u751f\u6d3b\u3002\u82e5\u60a8\u9084\u5e74\u8f15\uff0c\u5247\u53ef\u4ee5\u9078\u64c7\u8f03\u9ad8\u5831\u916c\u7387\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u900f\u904e\u6642\u9593\u8207\u8907\u5229\u4f86\u7d2f\u7a4d\u8ca1\u5bcc\u00a0;\u00a0\u82e5\u60a8\u5df2\u5c46\u81e8\u9000\u4f11\u6642\u671f\uff0c\u5247\u53ef\u4ee5\u8abf\u6574\u751f\u6d3b\u652f\u51fa\uff0c\u6216\u662f\u5206\u6e05\u695a\u5fc5\u8981\uff08\u9700\u6c42\uff09\u8207\u60f3\u8981\uff08\u671f\u671b\uff09\uff0c\u4ee5\u6eff\u8db3\u57fa\u672c\u751f\u6d3b\u652f\u51fa\u70ba\u76ee\u6a19\u3002<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u6210\u529f\u7387\u8d8a\u9ad8\u8d8a\u597d\u55ce\uff1f<\/h3>\n\n\n\n<p>\u8acb\u7559\u610f\uff0c\u6210\u529f\u7387\u4e26\u4e0d\u662f\u8d8a\u9ad8\u8d8a\u597d\uff0c\u7f8e\u570b SEC \u8a3b\u518a\u7684\u6295\u8cc7\u9867\u554f\u9ea5\u514b\u840a\u6069\u8cc7\u7522\u7ba1\u7406\u516c\u53f8\uff08 MAMC \uff09\u300a<a href=\"https:\/\/www.mcleanam.com\/william-bernsteins-the-retirement-calculator-from-hell\/\">William Bernstein\u2019s \u201cThe Retirement Calculator from Hell\u201d<\/a>\u300b\u9019\u7bc7\u6587\u7ae0\u5beb\u5230\u4e00\u500b\u89c0\u9ede\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u628a\u5931\u6557\u7387\u964d\u5230\u6700\u4f4e\u4e26\u4e0d\u662f\u9000\u4f11\u4eba\u58eb\u6700\u91cd\u8981\u7684\u76ee\u6a19<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>\u5929\u624d\u6295\u8cc7\u4eba\u6216\u662f\u5b78\u8005\u53ef\u80fd\u6703\u8003\u616e\u5c07\u6bcf\u500b\u6708\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4712\" title=\"\">\u63d0\u9818\u91d1\u984d<\/a>\u964d\u5230\u975e\u5e38\u4f4e\uff0c\u85c9\u4ee5\u6700\u5927\u5316\u63d0\u9ad8\u6210\u529f\u6a5f\u6703\u3002<\/p>\n\n\n\n<p>\u4f46\u5be6\u969b\u4e0a\u9019\u53cd\u800c\u6703\u9020\u6210\u8a08\u5283\u7a92\u7919\u96e3\u884c\uff0c\u70ba\u4e86\u6c38\u7e8c\u63d0\u9818\u9020\u6210\u81ea\u5df1\u751f\u6d3b\u56f0\u9813\uff0c\u518d\u8005\uff0c\u5373\u4f7f\u6211\u5011\u627e\u51fa\u4e00\u500b99\uff05\uff0c\u6216\u662f\u6211\u5011\u8a8d\u70ba\u842c\u7121\u4e00\u5931\u7684\u6295\u8cc7\u8a08\u5283\uff0c\u9084\u662f\u6709\u8a31\u591a\u4e8b\u60c5\u6211\u5011\u7121\u6cd5\u9810\u6599\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\u653f\u6cbb\u3001\u91d1\u878d\u3001\u7d93\u6fdf\u751a\u81f3\u8ecd\u4e8b\u65b9\u9762\u7684\u8b8a\u5316\uff0c\u5171\u6a5f\u64fe\u53f0\u3001\u5169\u5cb8\u5c40\u52e2\u8b8a\u52d5\u3001\u66f4\u56b4\u91cd\u7684\u75ab\u60c5\uff0c\u9019\u90fd\u53ef\u80fd\u662f\u6211\u5011\u7121\u6cd5\u8003\u91cf\uff0c\u537b\u6703\u9020\u6210\u6211\u5011\u5931\u6557\u7684\u539f\u56e0\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u6211\u5011\u6703\u5efa\u8b70\uff0c\u5c07\u81ea\u5df1\u7684\u6210\u529f\u7387\u63a7\u5236\u5728 85% \u4ee5\u4e0a\uff0c\u4fdd\u7559\u8a08\u756b\u7684\u5f48\u6027\uff0c\u96a8\u6642\u505a\u597d\u6e96\u5099\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u7e3d\u7d50<\/h2>\n\n\n\n<p>\u6bcf\u7a2e\u65b9\u6cd5\u90fd\u6709\u5176\u4fb7\u9650\uff0c\u7121\u6cd5\u4fdd\u8b49\u9019\u5c31\u662f\u6700\u4f73\u7684\u8a55\u4f30\u65b9\u5f0f\uff0c\u672a\u4f86\u5be6\u969b\u5e02\u5834\u72c0\u6cc1\u7121\u4eba\u80fd\u7cbe\u6e96\u9810\u6e2c\uff0c\u53ef\u80fd\u51fa\u73fe\u6bd4\u6a21\u64ec\u6240\u8003\u616e\u7684\u66f4\u597d\u6216\u66f4\u5dee\u7684\u60c5\u6cc1\uff0c\u7121\u8ad6\u63a1\u7528\u4f55\u7a2e\u65b9\u6cd5\u8a55\u4f30\uff0c\u9019\u4e9b\u7d50\u679c\u90fd\u53ef\u4ee5\u4f9b\u4f5c\u53c3\u8003\u3002<\/p>\n\n\n\n<p>\u4f46\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u662f<strong>\u4ee5\u6a5f\u7387\u70ba\u57fa\u790e\u7684\u4e82\u6578\u53d6\u6a23\uff08 Random Sampling \uff09\u7d71\u8a08\u6a21\u578b<\/strong>\uff0c\u53ef\u4ee5\u8b93\u6211\u5011\u66f4\u597d\u5730\u53c3\u8003\u904e\u53bb\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=2072\" title=\"\">\u6b77\u53f2\u5e02\u5834<\/a>\u60c5\u6cc1\u6a21\u64ec\u672a\u4f86\u5e02\u5834\u52d5\u5411\u3002<\/p>\n\n\n\n<p>\u8ca1\u52d9\u4f34\u96a8\u6211\u5011\u7684\u4e00\u751f\uff0c\u5f9e\u751f\u547d\u4e4b\u521d\u5230\u751f\u547d\u7d42\u7d50\uff0c\u9032\u884c\u8ca1\u52d9\u898f\u5283\uff0c\u9664\u4e86\u8b93\u8cc7\u7522\u7a69\u5065\u6210\u9577\u5916\uff0c\u66f4\u662f\u5c07\u4eba\u751f\u7684\u5e78\u798f\u503c\u505a\u5230\u6709\u6548\u7684\u63d0\u5347\uff0c\u76e1\u53ef\u80fd\u5730\u6eff\u8db3\u6bcf\u4e00\u500b\u968e\u6bb5\u7684\u9700\u8981\u3002<\/p>\n\n\n\n<p>\u5b69\u5b50\u6210\u7e3e\u597d\uff0c\u53ef\u4ee5\u53bb\u5ff5\u4ed6\u60f3\u8981\u7684\u9818\u57df\uff0c\u652f\u6301\u4ed6\uff1b<\/p>\n\n\n\n<p>\u4eca\u5929\u60f3\u8981\u8f49\u63db\u8dd1\u9053\uff0c\u6709\u8ca1\u52d9\u7684\u652f\u6301\u53ef\u4ee5\u4e00\u7121\u53cd\u9867\u7684\u53bb\u62fc\uff1b<\/p>\n\n\n\n<p>\u56e0\u70ba\u75ab\u60c5\u53d7\u5f71\u97ff\uff0c\u6c92\u95dc\u4fc2\uff0c\u6295\u8cc7\u7406\u8ca1\u7522\u751f\u7684\u88ab\u52d5\u6536\u5165\u6703\u8b93\u4f60\u58d3\u529b\u5c0f\u4e00\u4e9b\uff1b<\/p>\n\n\n\n<p>\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7528\u6700\u5168\u9762\u7684\u898f\u5283\u65b9\u5f0f\uff0c\u5354\u52a9\u60a8\u91d0\u6e05\u672a\u4f86\u8ca1\u5bcc\u589e\u9577\uff0c\u7528\u9019\u4e9b\u8ca1\u5bcc\u53bb\u9054\u6210\u60a8\u60f3\u8981\u7684\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u9644\u4ef6\uff1a\u6a23\u672c\u6578\u5927\u5c0f\u5c0d\u65bc\u8499\u5730\u5361\u7f85\u4f30\u8a08\u03c0\u7cbe\u6e96\u5ea6\u7684\u5f71\u97ff<\/h3>\n\n\n\n<p>\u7528\u7d71\u8a08\u5b78\u7684\u8a9e\u8a00\u4f86\u8aaa\uff0c\u4ee5\u4e0b\u70ba\u5404\u8499\u5730\u5361\u7f85\u7684\u6a21\u64ec\u9ede\u5728 100 \u6b21\u7684\u62bd\u6a23\u4e0b\uff0c\u4fe1\u5fc3\u6c34\u6e96 95% \u6240\u8a08\u7b97\u51fa\u4f86\u7684\u4fe1\u8cf4\u5340\u9593\uff0c\u8209\u4f8b\u4f86\u8aaa\u6a21\u64ec\u9ede 1,000 \u4ee3\u8868\u505a\u4e86 100 \u6b21\u7684\u62bd\u6a23\u4e14\u6bcf\u6b21\u7684\u6a21\u64ec\u9ede\u90fd\u662f 1,000 \u500b\uff0c\u800c\u9019 100 \u500b\u62bd\u6a23\u6240\u8a08\u7b97\u51fa\u4f86\u7684 95% \u4fe1\u8cf4\u5340\u9593\u843d\u65bc 3.13875 ~ 3.1394 \u4e4b\u9593\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"554\" height=\"77\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-11.png\" alt=\"\" class=\"wp-image-1577\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-11.png 554w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/84-11-300x42.png 300w\" sizes=\"auto, (max-width: 554px) 100vw, 554px\" \/><\/figure>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u4e0a\u8868\u4e3b\u8981\u8868\u9054\u7684\u662f\u96a8\u8457\u6a21\u64ec\u9ede\u7684\u589e\u52a0\uff0c\u4fe1\u8cf4\u5340\u9593\u7684\u9577\u5ea6\u6703\u8d8a\u4f86\u8d8a\u5c0f\uff0c\u9019\u4e5f\u5c31\u4ee3\u8868\u8499\u5730\u5361\u7f85\u65b9\u6cd5\u4f30\u7b97\u7684 \u03c0 \u8aa4\u5dee\u8d8a\u5c0f\u3002<\/p>\n\n\n\n<p>\u540c\u6642\u6211\u5011\u53ef\u4ee5\u89c0\u5bdf\u4fe1\u8cf4\u5340\u9593\u9577\u5ea6\u7e2e\u5c0f\u7684\u5e45\u5ea6\uff0c\u7576\u6a23\u672c\u589e\u52a0 10 \u500d\uff0c\u4fe1\u8cf4\u5340\u9593\u9577\u5ea6\u7e2e\u5c0f\u7684\u5e45\u5ea6\u53ea\u67093 \u500d\uff0c\u9019\u4ea6\u662f\u8499\u5730\u5361\u7f85\u65b9\u6cd5\u6700\u5927\u7684\u554f\u984c\uff0c\u7576\u60f3\u8981\u6c42\u5f97\u66f4\u7cbe\u6e96\u7684\u4f30\u7b97\u7d50\u679c\u6642\uff0c\u6a23\u672c\u589e\u52a0\u7684\u901f\u5ea6\u9060\u6bd4\u8aa4\u5dee\u7e2e\u5c0f\u7684\u901f\u5ea6\u5feb\u4e0a\u8a31\u591a\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4ec0\u9ebc\u662f\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff1f\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\u6709\u4ec0\u9ebc\u512a\u7f3a\u9ede\uff1f\u9019\u7bc7\u6587\u7ae0\u6211\u5011\u8ac7\u8ac7\u70ba\u4ec0\u9ebc\u73fe\u5728\u505a\u7406\u8ca1\u898f\u5283\u6703\u5927\u91cf\u904b\u7528\u7684\u8499\u5730\u5361\u7f85\u6a21\u64ec [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1579,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[295,400],"class_list":["post-1551","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-31","tag-295","tag-400"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1551","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1551"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/1551\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/1579"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1551"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1551"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}