{"id":16739,"date":"2026-10-16T11:15:56","date_gmt":"2026-10-16T03:15:56","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=16739"},"modified":"2026-10-16T11:19:29","modified_gmt":"2026-10-16T03:19:29","slug":"selecting-investment-adviser","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=16739","title":{"rendered":"\u600e\u9ebc\u9078\u59d4\u5916\u6295\u8cc7\u9867\u554f\uff1a\u6a5f\u69cb\u8a55\u4f30\u7684\u516d\u500b\u9762\u5411"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u59d4\u54e1\u6703\u6c7a\u5b9a\u627e\u5916\u90e8\u9867\u554f\uff0c\u901a\u5e38\u662f\u5728\u67d0\u500b\u6642\u9593\u9ede\u767c\u73fe\u300c\u9760\u59d4\u54e1\u81ea\u5df1\u9867\u4e0d\u4f86\u4e86\u300d\uff1a\u8cc7\u91d1\u8b8a\u5927\u3001\u59d4\u54e1\u8f2a\u66ff\u3001\u5e02\u5834\u4e00\u5e74\u5927\u8d77\u5927\u843d\u5169\u6b21\uff0c\u6703\u8b70\u4e0a\u537b\u6c92\u6709\u4eba\u80fd\u8aaa\u6e05\u695a\u73fe\u5728\u7684\u914d\u7f6e\u504f\u96e2\u76ee\u6a19\u591a\u5c11\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u63a5\u8457\u6536\u5230\u5e7e\u4efd\u63d0\u6848\u3002\u6bcf\u4e00\u5bb6\u90fd\u6709\u6f02\u4eae\u7684\u7e3e\u6548\u5716\u3001\u90fd\u8aaa\u81ea\u5df1\u91cd\u8996\u98a8\u96aa\uff0c\u6bd4\u5230\u6700\u5f8c\uff0c\u5f80\u5f80\u53ea\u5269\u8cbb\u7387\u9ad8\u4f4e\u53ef\u4ee5\u6bd4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u7bc7\u6587\u7ae0\u60f3\u56de\u7b54\u7684\u662f\uff1a\u5728\u6bd4\u7e3e\u6548\u548c\u8cbb\u7387\u4e4b\u524d\uff0c\u59d4\u54e1\u6703\u8a72\u5148\u554f\u54ea\u4e9b\u4e8b\uff1f\u6211\u5011\u628a\u5b83\u6574\u7406\u6210\u516d\u500b\u9762\u5411\u3001\u4e00\u5f35\u6aa2\u6838\u8868\u3001\u4e00\u500b\u9074\u9078\u6d41\u7a0b\uff0c\u4ee5\u53ca\u63d0\u6848\u6703\u8b70\u4e0a\u53ef\u4ee5\u76f4\u63a5\u554f\u7684\u5341\u500b\u554f\u984c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">OCIO\uff08\u59d4\u5916\u6295\u8cc7\u9577\uff09\u7684\u5206\u5de5\u8207\u670d\u52d9\u578b\u614b\uff0c\u8acb\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=15307\">\u300aOCIO \u662f\u4ec0\u9ebc\uff1a\u53f0\u7063\u6a5f\u69cb\u6cd5\u4eba\u59d4\u5916\u6295\u8cc7\u6307\u5357\u300b<\/a>\u3002\u672c\u6587\u53ea\u8ac7\u600e\u9ebc\u8a55\u4f30\u8207\u6311\u9078\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5148\u770b\u57f7\u7167\uff1a\u5c0d\u65b9\u80fd\u5408\u6cd5\u505a\u4ec0\u9ebc<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5728\u53f0\u7063\uff0c\u59d4\u5916\u6295\u8cc7\u670d\u52d9\u7531\u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u53ca\u9867\u554f\u6cd5\u898f\u7bc4<sup>[1]<\/sup>\u3002\u540c\u6a23\u53eb\u300c\u6295\u9867\u300d\uff0c\u80fd\u505a\u7684\u4e8b\u53ef\u80fd\u5dee\u5f88\u591a\uff1a\u4e00\u5bb6\u696d\u8005\u80fd\u4e0d\u80fd\u300c\u4ee3\u70ba\u64cd\u4f5c\u300d\uff0c\u8981\u770b\u5b83\u662f\u5426\u53e6\u5916\u53d6\u5f97\u5168\u6b0a\u59d4\u8a17\u7684\u6838\u51c6\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u8868 1\u3000\u8b49\u5238\u6295\u8cc7\u9867\u554f\u8207\u5168\u6b0a\u59d4\u8a17\u7684\u5dee\u5225<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u8b49\u5238\u6295\u8cc7\u9867\u554f\u696d\u52d9<\/th>\n<th>\u5168\u6b0a\u59d4\u8a17\u6295\u8cc7\u696d\u52d9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6cd5\u5f8b\u5b9a\u7fa9<\/td>\n<td>\u5c0d\u6295\u8cc7\u6216\u4ea4\u6613\u4e8b\u9805\u63d0\u4f9b\u5206\u6790\u610f\u898b\u6216\u63a8\u4ecb\u5efa\u8b70\uff08\u7b2c 4 \u689d\uff09<\/td>\n<td>\u5c0d\u5ba2\u6236\u59d4\u8a17\u7684\u8cc7\u7522\u505a\u6295\u8cc7\u5224\u65b7\uff0c\u4e26\u70ba\u5ba2\u6236\u57f7\u884c\u6295\u8cc7\u6216\u4ea4\u6613\uff08\u7b2c 5 \u689d\u7b2c 10 \u6b3e\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u8ab0\u4e0b\u6c7a\u5b9a\u3001\u8ab0\u4e0b\u55ae<\/td>\n<td>\u6a5f\u69cb\u81ea\u5df1\u6838\u5b9a\u8207\u57f7\u884c<\/td>\n<td>\u696d\u8005\u5728\u5951\u7d04\u6388\u6b0a\u7bc4\u570d\u5167\u57f7\u884c<\/td>\n<\/tr>\n<tr>\n<td>\u71df\u696d\u524d\u63d0<\/td>\n<td>\u7d93\u4e3b\u7ba1\u6a5f\u95dc\u8a31\u53ef\u4e26\u6838\u767c\u71df\u696d\u57f7\u7167\uff08\u7b2c 63 \u689d\uff09<\/td>\n<td>\u53e6\u9808\u7b26\u5408\u689d\u4ef6\u4e26\u7d93\u4e3b\u7ba1\u6a5f\u95dc\u6838\u51c6\uff08\u7b2c 50 \u689d\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u8cc7\u7522\u5728\u54ea\u88e1<\/td>\n<td>\u6a5f\u69cb\u81ea\u5df1\u7684\u5e33\u6236<\/td>\n<td>\u5168\u6b0a\u59d4\u8a17\u4fdd\u7ba1\u6a5f\u69cb\uff08\u7b2c 53 \u689d\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u53ca\u9867\u554f\u6cd5<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u67e5\u8b49\u65b9\u5f0f\u90fd\u662f\u516c\u958b\u7684<sup>[2]<\/sup>\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6295\u4fe1\u6295\u9867\u516c\u6703\u7db2\u7ad9\u7684\u300c\u67e5\u8a62\u5408\u6cd5\u696d\u8005\u300d\u8207\u300c\u6703\u54e1\u540d\u9304\u67e5\u8a62\u300d\uff0c\u78ba\u8a8d\u516c\u53f8\u662f\u5426\u70ba\u5408\u6cd5\u6295\u4fe1\u6295\u9867\u696d\u8005\u3002<\/li>\n<li>\u540c\u7db2\u7ad9\u300c\u5168\u6b0a\u59d4\u8a17\u5404\u9805\u8cc7\u6599 &gt; \u7d93\u71df\u516c\u53f8\u300d\uff0c\u5217\u51fa\u53ef\u7d93\u71df\u5168\u6b0a\u59d4\u8a17\u7684\u6295\u4fe1\u3001\u6295\u9867\u8207\u517c\u71df\u6295\u9867\u516c\u53f8\u3002<\/li>\n<li>\u300c\u67e5\u8a62\u6295\u4fe1\u6295\u9867\u5408\u683c\u767b\u9304\u4eba\u54e1\u7cfb\u7d71\u300d\uff0c\u78ba\u8a8d\u5be6\u969b\u670d\u52d9\u672c\u6848\u7684\u4eba\u54e1\u662f\u5426\u767b\u9304\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u57f7\u7167\u4e4b\u5916\uff0c\u4e3b\u7ba1\u6a5f\u95dc\u8207\u696d\u8005\u4e92\u52d5\u7684\u516c\u958b\u7d00\u9304\u4e5f\u503c\u5f97\u770b\uff0c\u7279\u5225\u662f\u696d\u8005\u5ba3\u7a31\u6709\u5275\u65b0\u670d\u52d9\u6642\u3002\u91d1\u7ba1\u6703\u7684\u91d1\u878d\u79d1\u6280\u5275\u65b0\u5be6\u9a57\uff08\u4fd7\u7a31\u76e3\u7406\u6c99\u76d2\uff09\u6bcf\u4e00\u6848\u90fd\u6703\u5c0d\u5916\u516c\u5e03\u6838\u51c6\u5167\u5bb9\u8207\u9650\u5236\uff0c\u4f8b\u5982 2021 \u5e74\u7684\u91d1\u878d\u76e3\u7406\u6c99\u76d2\u6848\u4e2d\uff0c\u6709\u4e00\u6848\u662f\u963f\u723e\u767c\u6295\u9867\u8207\u6c38\u8c50\u91d1\u8b49\u5238\u5408\u4f5c\u3001\u4ee5 API \u4e32\u63a5\u8b93\u6295\u8cc7\u4eba\u5b9a\u671f\u5b9a\u984d\u6295\u8cc7\u7f8e\u570b ETF \u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u5be6\u9a57\uff0c\u6838\u51c6\u6642\u540c\u6642\u8a02\u4e86\u4eba\u6578\u3001\u7e3d\u91d1\u984d\u8207\u6bcf\u4eba\u6295\u8cc7\u4e0a\u9650<sup>[3]<\/sup>\u30022023 \u5e74\u91d1\u7ba1\u6703\u6aa2\u8a0e\u6b77\u5e74 9 \u4ef6\u6838\u51c6\u6848\uff0c\u628a\u9019\u4e00\u6848\u5217\u70ba\u5be6\u9a57\u7d50\u675f\u5f8c\u843d\u5730\u7684 4 \u4ef6\u4e4b\u4e00<sup>[4]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u59d4\u54e1\u6703\u8981\u5f9e\u9019\u985e\u7d00\u9304\u770b\u7684\uff0c\u4e0d\u662f\u300c\u6709\u6c92\u6709\u5f97\u904e\u4ec0\u9ebc\u300d\uff0c\u800c\u662f\u696d\u8005\u5728\u76e3\u7406\u6a5f\u95dc\u9762\u524d\u600e\u9ebc\u63ed\u9732\u98a8\u96aa\u3001\u5be6\u9a57\u689d\u4ef6\u662f\u5426\u5beb\u5f97\u6e05\u695a\u3002\u9019\u548c\u5b83\u65e5\u5f8c\u5728\u59d4\u54e1\u6703\u9762\u524d\u600e\u9ebc\u63ed\u9732\uff0c\u901a\u5e38\u662f\u540c\u4e00\u7a2e\u7fd2\u6163\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6a5f\u69cb\u4e5f\u8981\u5148\u5c0d\u7167\u81ea\u5df1\u7684\u6295\u8cc7\u7ba1\u7406\u8981\u9ede\uff0c\u78ba\u8a8d\u5141\u8a31\u54ea\u4e00\u7a2e\u59d4\u5916\uff0c\u518d\u53bb\u67e5\u696d\u8005\u7684\u8cc7\u683c\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516d\u500b\u9762\u5411\u7684\u8a55\u4f30\u6aa2\u6838\u8868<\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>\u8868 2\u3000\u59d4\u5916\u6295\u8cc7\u9867\u554f\u8a55\u4f30\u6aa2\u6838\u8868<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9762\u5411<\/th>\n<th>\u8981\u78ba\u8a8d\u4ec0\u9ebc<\/th>\n<th>\u53ef\u4ee5\u8981\u6c42\u7684\u66f8\u9762\u8cc7\u6599<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1. \u57f7\u7167\u8207\u696d\u52d9\u7bc4\u570d<\/td>\n<td>\u71df\u696d\u57f7\u7167\u3001\u662f\u5426\u6838\u51c6\u5168\u6b0a\u59d4\u8a17\u3001\u670d\u52d9\u4eba\u54e1\u662f\u5426\u767b\u9304<\/td>\n<td>\u71df\u696d\u57f7\u7167\u5f71\u672c\u3001\u516c\u6703\u67e5\u8a62\u7d50\u679c<\/td>\n<\/tr>\n<tr>\n<td>2. \u5229\u76ca\u885d\u7a81\u8207\u6536\u8cbb<\/td>\n<td>\u6536\u5165\u4f86\u81ea\u9867\u554f\u8cbb\u9084\u662f\u92b7\u552e\u5831\u916c\uff1b\u662f\u5426\u63a8\u85a6\u81ea\u5bb6\u6216\u95dc\u4fc2\u4f01\u696d\u7522\u54c1\uff1b\u7e3d\u6210\u672c<\/td>\n<td>\u6536\u8cbb\u8aaa\u660e\u3001\u5229\u76ca\u885d\u7a81\u653f\u7b56\u3001\u95dc\u4fc2\u4f01\u696d\u8207\u7522\u54c1\u6e05\u55ae<\/td>\n<\/tr>\n<tr>\n<td>3. \u6295\u8cc7\u65b9\u6cd5\u8207\u4e00\u81f4\u6027<\/td>\n<td>\u80fd\u5426\u7528\u6587\u5b57\u8aaa\u6e05\u695a\u6c7a\u7b56\u6d41\u7a0b\uff1b\u904e\u53bb\u5728\u5e02\u5834\u5287\u70c8\u8b8a\u52d5\u6642\u662f\u5426\u7167\u539f\u5247\u505a<\/td>\n<td>\u6295\u8cc7\u65b9\u6cd5\u8aaa\u660e\u3001\u6295\u8cc7\u653f\u7b56\u66f8\u5354\u52a9\u7bc4\u570d<\/td>\n<\/tr>\n<tr>\n<td>4. \u5831\u544a\u8207\u900f\u660e\u5ea6<\/td>\n<td>\u591a\u671f\u9593\u7e3e\u6548\u3001\u5c0d\u7167\u57fa\u6e96\u3001\u98a8\u96aa\u6307\u6a19\u3001\u8cbb\u7528\u662f\u5426\u5206\u958b\u5217\u793a<\/td>\n<td>\u5831\u544a\u6a23\u672c\uff08\u53ef\u906e\u853d\u5ba2\u6236\u8cc7\u6599\uff09\u3001\u7e3e\u6548\u8a08\u7b97\u65b9\u6cd5<\/td>\n<\/tr>\n<tr>\n<td>5. \u4eba\u54e1\u8207\u7a69\u5b9a\u6027<\/td>\n<td>\u8ab0\u8ca0\u8cac\u672c\u6848\u3001\u6709\u7121\u4ee3\u7406\u4eba\u3001\u5718\u968a\u6d41\u52d5\u3001\u6c7a\u7b56\u7531\u500b\u4eba\u6216\u59d4\u54e1\u6703\u505a<\/td>\n<td>\u5718\u968a\u540d\u55ae\u8207\u8cc7\u6b77\u3001\u7d44\u7e54\u5716<\/td>\n<\/tr>\n<tr>\n<td>6. \u8cc7\u7522\u4fdd\u7ba1\u8207\u5408\u7d04<\/td>\n<td>\u8cc7\u7522\u7531\u8ab0\u4fdd\u7ba1\uff1b\u7d42\u6b62\u689d\u4ef6\u3001\u901a\u77e5\u671f\u9593\u3001\u7d42\u6b62\u5f8c\u7684\u79fb\u4ea4<\/td>\n<td>\u5951\u7d04\u8349\u7a3f\u3001\u5168\u6b0a\u59d4\u8a17\u8aaa\u660e\u66f8\uff08\u5982\u9069\u7528\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u516d\u500b\u9762\u5411\u88e1\uff0c\u57f7\u7167\u67e5\u8d77\u4f86\u5bb9\u6613\uff0c\u4e5f\u5c11\u6709\u722d\u8b70\u3002\u771f\u6b63\u62c9\u958b\u5dee\u8ddd\u7684\u662f\u5229\u76ca\u885d\u7a81\u3001\u8cc7\u7522\u4fdd\u7ba1\u8207\u5408\u7d04\u9019\u4e09\u9805\uff0c\u4e0b\u9762\u5206\u958b\u8ac7\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5229\u76ca\u885d\u7a81\uff1a\u5148\u5f04\u6e05\u695a\u9322\u5f9e\u54ea\u88e1\u4f86<\/h3>\n\n<p class=\"wp-block-paragraph\">\u7f8e\u570b\u8b49\u7ba1\u6703\uff08SEC\uff09\u8207\u52de\u5de5\u90e8\u5728 2005 \u5e74\u5171\u540c\u767c\u5e03\u7d66\u9000\u4f11\u8a08\u756b\u53d7\u8a17\u4eba\u7684\u9074\u9078\u63d0\u793a\uff0c\u63d0\u9192\u9867\u554f\u82e5\u540c\u6642\u548c\u8cc7\u7522\u7ba1\u7406\u696d\u8005\u6709\u696d\u52d9\u5f80\u4f86\u6216\u6536\u53d6\u6b3e\u9805\uff0c\u5efa\u8b70\u7684\u5ba2\u89c0\u6027\u53ef\u80fd\u53d7\u5f71\u97ff<sup>[5]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u7684\u60c5\u6cc1\u985e\u4f3c\u3002\u6295\u9867\u696d\u8005\u4e5f\u53ef\u80fd\u540c\u6642\u662f\u57fa\u91d1\u92b7\u552e\u6a5f\u69cb\uff0c\u53ef\u4ee5\u5728\u6295\u4fe1\u6295\u9867\u516c\u6703\u7684\u300c\u5883\u5167\uff0f\u5883\u5916\u57fa\u91d1\u92b7\u552e\u6a5f\u69cb\u67e5\u8a62\u300d\u67e5\u5230\u3002\u6a5f\u69cb\u8981\u77e5\u9053\u7684\u662f\uff1a\u5c0d\u65b9\u63a8\u85a6\u67d0\u500b\u6a19\u7684\u6642\uff0c\u81ea\u5df1\u662f\u5426\u53e6\u6709\u6536\u5165\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u8a55\u4f30\u6642\u53ef\u4ee5\u628a\u5169\u4ef6\u4e8b\u5206\u958b\u554f\u3002\u4e00\u662f\u7368\u7acb\u6027\uff1a\u9867\u554f\u672c\u8eab\u6216\u95dc\u4fc2\u4f01\u696d\u6709\u6c92\u6709\u767c\u884c\u3001\u92b7\u552e\u81ea\u5bb6\u5546\u54c1\uff0c\u5efa\u8b70\u88e1\u6703\u4e0d\u6703\u51fa\u73fe\u9019\u4e9b\u5546\u54c1\u3002\u4e8c\u662f\u6536\u5165\u4f86\u6e90\uff1a\u9867\u554f\u7684\u5831\u916c\u662f\u6a5f\u69cb\u4ed8\u7684\u9867\u554f\u8cbb\uff0c\u9084\u662f\u53e6\u5916\u4f86\u81ea\u5546\u54c1\u7684\u901a\u8def\u4f63\u91d1\u6216\u9000\u4f63\u3002\u6536\u8cbb\u53ea\u4f86\u81ea\u9867\u554f\u8cbb\u6642\uff0c\u9867\u554f\u7684\u6536\u5165\u4e0d\u6703\u56e0\u70ba\u63a8\u85a6\u54ea\u4e00\u6a94\u5546\u54c1\u800c\u4e0d\u540c\uff0c\u5efa\u8b70\u6bd4\u8f03\u5bb9\u6613\u53ea\u5c0d\u6a5f\u69cb\u8ca0\u8cac\uff1b\u6709\u5176\u4ed6\u5831\u916c\u4e5f\u4e0d\u4e00\u5b9a\u4e0d\u884c\uff0c\u4f46\u61c9\u8a72\u4e8b\u5148\u63ed\u9732\u91d1\u984d\u8207\u8a08\u7b97\u65b9\u5f0f\uff0c\u8b93\u59d4\u54e1\u6703\u81ea\u5df1\u5224\u65b7\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u696d\u8005\u600e\u9ebc\u8655\u7406\u9019\u5169\u4ef6\u4e8b\uff0c\u53ef\u4ee5\u76f4\u63a5\u554f\uff0c\u4e5f\u53ef\u4ee5\u5f9e\u5b83\u516c\u958b\u8aaa\u904e\u7684\u8a71\u5c0d\u7167\u3002\u4ee5\u963f\u723e\u767c\u6295\u9867\u70ba\u4f8b\uff0c\u5b83\u4ee5\u8cc7\u7522\u914d\u7f6e\u70ba\u6838\u5fc3\uff0c\u5c0d\u6a5f\u69cb\u63d0\u4f9b\u59d4\u5916\u6295\u8cc7\u9577\uff08OCIO\uff09\u670d\u52d9\uff0c\u7a31\u70ba AI \u6295\u8cc7\u9577\u3002\u5de5\u5546\u6642\u5831\u5831\u5c0e\u5b83\u7684\u5e73\u53f0\u63a1\u9867\u554f\u670d\u52d9\u8cbb\u5236\uff0c\u8cc7\u91d1\u7559\u5728\u6295\u8cc7\u4eba\u540d\u4e0b\u7684\u91d1\u878d\u6a5f\u69cb\u5e33\u6236\uff0c\u5efa\u8b70\u8207\u4ea4\u6613\u5206\u6d41<sup>[6]<\/sup>\uff1b2026 \u5e74 9 \u6708\u5171\u540c\u5275\u8fa6\u4eba\u694a\u7407\u60e0\u4e5f\u5c0d\u5a92\u9ad4\u8aaa\u660e\uff0c\u516c\u53f8\u4e0d\u767c\u884c\u81ea\u6709\u91d1\u878d\u5546\u54c1\uff0c\u4e5f\u4e0d\u7d93\u624b\u5ba2\u6236\u8cc7\u91d1\uff0c\u85c9\u6b64\u7dad\u6301\u6295\u8cc7\u9867\u554f\u89d2\u8272\u7684\u7368\u7acb\u8207\u5ba2\u89c0<sup>[7]<\/sup>\u3002\u59d4\u54e1\u6703\u4e0d\u5fc5\u76f8\u4fe1\u4efb\u4f55\u4e00\u5bb6\u696d\u8005\u7684\u8aaa\u6cd5\uff0c\u4f46\u53ef\u4ee5\u628a\u9019\u985e\u516c\u958b\u8868\u8ff0\u5beb\u9032\u5951\u7d04\u6216\u5229\u76ca\u885d\u7a81\u8072\u660e\uff0c\u8981\u6c42\u5c0d\u65b9\u66f8\u9762\u78ba\u8a8d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6bd4\u8f03\u8cbb\u7528\u6642\u770b\u7e3d\u6210\u672c\uff1a\u9867\u554f\u6216\u7ba1\u7406\u8cbb\u3001\u6a19\u7684\u672c\u8eab\u7684\u5167\u6263\u8cbb\u7528\uff08\u7d93\u7406\u8cbb\u3001\u4fdd\u7ba1\u8cbb\uff09\u3001\u4ea4\u6613\u6210\u672c\u8207\u4fdd\u7ba1\u6a5f\u69cb\u8cbb\u7528\u3002\u53ea\u6bd4\u9867\u554f\u8cbb\u7387\uff0c\u5bb9\u6613\u6f0f\u6389\u5360\u6bd4\u66f4\u5927\u7684\u5167\u6263\u8cbb\u7528\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u8cc7\u7522\u4fdd\u7ba1\uff1a\u9867\u554f\u4e0d\u7d93\u624b\u8cc7\u91d1<\/h3>\n\n<p class=\"wp-block-paragraph\">\u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u53ca\u9867\u554f\u6cd5\u7b2c 53 \u689d\u898f\u5b9a\uff0c\u4ee5\u59d4\u4efb\u65b9\u5f0f\u7d93\u71df\u5168\u6b0a\u59d4\u8a17\uff0c\u5ba2\u6236\u8cc7\u7522\u61c9\u4ea4\u7531\u5168\u6b0a\u59d4\u8a17\u4fdd\u7ba1\u6a5f\u69cb\u4fdd\u7ba1\uff0c\u4e5f\u5c31\u662f\u4fe1\u8a17\u516c\u53f8\u6216\u517c\u71df\u4fe1\u8a17\u696d\u52d9\u7684\u9280\u884c\uff1b\u6295\u4fe1\u6295\u9867\u4e8b\u696d\u672c\u8eab\u4e0d\u5f97\u4fdd\u7ba1\u53d7\u8a17\u6295\u8cc7\u8cc7\u7522<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7d14\u9867\u554f\u670d\u52d9\u4e0b\uff0c\u8cc7\u7522\u7559\u5728\u6a5f\u69cb\u81ea\u5df1\u7684\u5e33\u6236\u3002\u5be6\u52d9\u4e0a\u5e38\u898b\u7684\u662f\u300c\u9867\u554f\uff0b\u9280\u884c\u300d\u7684\u5206\u5de5\uff1a\u9280\u884c\u64d4\u4efb\u4fe1\u8a17\u53d7\u8a17\u6a5f\u69cb\u6216\u4fdd\u7ba1\u6a5f\u69cb\uff0c\u9867\u554f\u53ea\u63d0\u4f9b\u6295\u8cc7\u5efa\u8b70\u3002\u4ee5\u54e1\u5de5\u798f\u5229\u5132\u84c4\u4fe1\u8a17\u70ba\u4f8b\uff0c\u8c50\u8208\u92fc\u9435 2025 \u5e74\u5c0e\u5165\u7684\u9867\u554f\u5f0f\u798f\u5132\u4fe1\u8a17\uff0c\u7531\u9060\u6771\u5546\u9280\u64d4\u4efb\u53d7\u8a17\u6a5f\u69cb\uff0c\u963f\u723e\u767c\u6295\u9867\u64d4\u4efb\u6295\u8cc7\u9867\u554f<sup>[8]<\/sup>\u3002\u5b78\u6821\u4e5f\u6709\u540c\u6a23\u7684\u5b89\u6392\uff1a\u963f\u723e\u767c\u6295\u9867\u670d\u52d9\u9022\u7532\u5927\u5b78\u7684\u6559\u8077\u54e1\u798f\u5229\u5132\u84c4\u4fe1\u8a17\uff0c2024 \u5e74 8 \u6708\u8d77\u7531\u963f\u723e\u767c\u6295\u9867\u63d0\u4f9b\u6295\u8cc7\u7d44\u5408\u5efa\u8b70\uff0c\u53d6\u4ee3\u539f\u672c\u7531\u6821\u5167\u8ca1\u91d1\u7cfb\u6559\u6388\u81ea\u884c\u64cd\u76e4\uff1b\u5929\u4e0b\u96dc\u8a8c\u5831\u5c0e\u6642\u63d0\u5230\uff0c\u963f\u723e\u767c\u6301\u6709\u7684\u662f\u6295\u9867\u57f7\u7167\u3001\u4e0d\u80fd\u505a\u4fe1\u8a17\u696d\u52d9\uff0c\u6240\u4ee5\u548c\u83ef\u5357\u3001\u4e2d\u570b\u4fe1\u8a17\u3001\u9060\u6771\u5546\u9280\u7b49\u9280\u884c\u5408\u4f5c<sup>[9]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u8868 3\u3000\u7d14\u9867\u554f\u670d\u52d9\u4e0b\uff0c\u8cc7\u91d1\u8207\u6c7a\u5b9a\u6b0a\u7684\u5206\u5de5<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u89d2\u8272<\/th>\n<th>\u8ca0\u8cac\u4ec0\u9ebc<\/th>\n<th>\u4e0d\u505a\u4ec0\u9ebc<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6a5f\u69cb\uff08\u59d4\u54e1\u6703\u3001\u8463\u4e8b\u6703\uff09<\/td>\n<td>\u6838\u5b9a\u6295\u8cc7\u653f\u7b56\u66f8\u8207\u6bcf\u4e00\u6b21\u8abf\u6574\uff1b\u6838\u51c6\u4ea4\u6613<\/td>\n<td>\u4e0d\u628a\u6838\u51c6\u6b0a\u4ea4\u7d66\u9867\u554f<\/td>\n<\/tr>\n<tr>\n<td>\u6295\u8cc7\u9867\u554f<\/td>\n<td>\u63d0\u51fa\u914d\u7f6e\u8207\u8abf\u6574\u5efa\u8b70\u3001\u76e3\u63a7\u3001\u5831\u544a<\/td>\n<td>\u4e0d\u4fdd\u7ba1\u8cc7\u7522\u3001\u4e0d\u7d93\u624b\u8cc7\u91d1<\/td>\n<\/tr>\n<tr>\n<td>\u9280\u884c\u6216\u8b49\u5238\u5546<\/td>\n<td>\u4fe1\u8a17\u53d7\u8a17\u3001\u4fdd\u7ba1\u3001\u4f9d\u6307\u793a\u57f7\u884c\u4ea4\u6613\u3001\u5c0d\u5e33<\/td>\n<td>\u4e0d\u63d0\u4f9b\u6295\u8cc7\u5224\u65b7<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/\u4e09\u65b9\u5206\u5de5\u6d41\u7a0b.png\" alt=\"\u4e09\u65b9\u5206\u5de5\u6d41\u7a0b\uff1a\u6295\u8cc7\u9867\u554f\u63d0\u51fa\u5efa\u8b70\uff0c\u6a5f\u69cb\u6838\u51c6\uff0c\u9280\u884c\u6216\u8b49\u5238\u5546\u4fdd\u7ba1\u4e26\u57f7\u884c\uff0c\u8cc7\u91d1\u59cb\u7d42\u7559\u5728\u6a5f\u69cb\u540d\u4e0b\u5e33\u6236\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u9019\u5f35\u8868\u5c0d\u4efb\u4f55\u696d\u8005\u90fd\u9069\u7528\u3002\u63d0\u6848\u6642\u8acb\u5c0d\u65b9\u756b\u51fa\u81ea\u5df1\u7684\u7248\u672c\uff1a\u9322\u5f9e\u54ea\u500b\u5e33\u6236\u51fa\u3001\u7d93\u904e\u8ab0\u3001\u56de\u5230\u54ea\u88e1\u3002\u4efb\u4f55\u8981\u6c42\u628a\u8cc7\u91d1\u532f\u5230\u696d\u8005\u6216\u500b\u4eba\u5e33\u6236\u7684\u5b89\u6392\uff0c\u90fd\u61c9\u8a72\u505c\u4e0b\u4f86\u67e5\u8b49\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5408\u7d04\u8207\u9000\u51fa<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5168\u6b0a\u59d4\u8a17\u5951\u7d04\u7c3d\u8a02\u524d\uff0c\u696d\u8005\u61c9\u6307\u6d3e\u5c08\u4eba\u8aaa\u660e\u3001\u4ea4\u4ed8\u5168\u6b0a\u59d4\u8a17\u6295\u8cc7\u8aaa\u660e\u66f8\uff0c\u4e26\u7d66\u5ba2\u6236\u81f3\u5c11\u4e03\u65e5\u7684\u5be9\u95b1\u671f\uff08\u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u53ca\u9867\u554f\u6cd5\u7b2c 60 \u689d\uff09<sup>[1]<\/sup>\u3002\u5be9\u95b1\u6642\u7279\u5225\u770b\u7d42\u6b62\u689d\u6b3e\uff1a\u901a\u77e5\u671f\u9593\u3001\u7d42\u6b62\u6642\u5df2\u767c\u751f\u8cbb\u7528\u600e\u9ebc\u7b97\u3001\u6301\u6709\u90e8\u4f4d\u8207\u8cc7\u6599\u600e\u9ebc\u79fb\u4ea4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7d14\u9867\u554f\u5951\u7d04\u6c92\u6709\u6cd5\u5b9a\u5be9\u95b1\u671f\uff0c\u4f46\u540c\u6a23\u8981\u5beb\u6e05\u695a\u7d42\u6b62\u8207\u79fb\u4ea4\u3002\u8cc7\u7522\u672c\u4f86\u5c31\u5728\u6a5f\u69cb\u5e33\u6236\u88e1\u7684\u597d\u8655\uff0c\u662f\u63db\u9867\u554f\u6642\u4e0d\u5fc5\u642c\u9322\uff0c\u53ea\u8981\u4ea4\u63a5\u8cc7\u6599\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9074\u9078\u600e\u9ebc\u9032\u884c\uff1a\u4e00\u4efd\u554f\u5377\u554f\u6bcf\u4e00\u5bb6<\/h2>\n\n<p class=\"wp-block-paragraph\">\u77e5\u9053\u8981\u770b\u4ec0\u9ebc\u4e4b\u5f8c\uff0c\u4e0b\u4e00\u500b\u56f0\u64fe\u901a\u5e38\u662f\uff1a\u4e00\u6b21\u50cf\u6a23\u7684\u9074\u9078\u8a72\u600e\u9ebc\u8fa6\uff1f\u4e0d\u8ad6\u662f\u6821\u52d9\u57fa\u91d1\u7684\u6295\u8cc7\u7ba1\u7406\u5c0f\u7d44\u3001\u57fa\u91d1\u6703\u8463\u4e8b\u6703\uff0c\u9084\u662f\u7531\u54e1\u5de5\u4ee3\u8868\u7d44\u6210\u7684\u798f\u5132\u59d4\u54e1\u6703\uff0c\u90fd\u53ef\u4ee5\u7167\u4e0b\u8868\u7684\u516d\u500b\u6b65\u9a5f\u8d70\uff0c\u898f\u6a21\u5c0f\u7684\u6a5f\u69cb\u53ef\u4ee5\u5408\u4f75\u6b65\u9a5f\uff0c\u4f46\u4e0d\u8981\u7701\u7565\u66f8\u9762\u7d00\u9304\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u8868 4\u3000\u59d4\u5916\u9867\u554f\u9074\u9078\u7684\u4e00\u822c\u6d41\u7a0b<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u6b65\u9a5f<\/th>\n<th>\u59d4\u54e1\u6703\u8981\u505a\u7684\u4e8b<\/th>\n<th>\u7522\u51fa<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1. \u78ba\u8a8d\u7bc4\u570d<\/td>\n<td>\u5c0d\u7167\u7ba1\u7406\u898f\u7bc4\uff0c\u6c7a\u5b9a\u8981\u9867\u554f\u9084\u662f\u5168\u6b0a\u59d4\u8a17\u3001\u8981\u59d4\u5916\u54ea\u4e9b\u8cc7\u91d1<\/td>\n<td>\u59d4\u5916\u7bc4\u570d\u8aaa\u660e<\/td>\n<\/tr>\n<tr>\n<td>2. \u516c\u958b\u5fb5\u6c42<\/td>\n<td>\u767c\u51fa\u540c\u4e00\u4efd\u9700\u6c42\u8aaa\u660e\u8207\u554f\u5377\u7d66\u6709\u8208\u8da3\u7684\u696d\u8005<\/td>\n<td>\u9700\u6c42\u8aaa\u660e\u66f8\u3001\u554f\u5377<\/td>\n<\/tr>\n<tr>\n<td>3. \u66f8\u9762\u5be9\u67e5<\/td>\n<td>\u7528\u8868 2 \u7684\u516d\u500b\u9762\u5411\u6bd4\u8f03\u66f8\u9762\u56de\u8986\uff0c\u67e5\u8b49\u57f7\u7167\u8207\u767b\u9304<\/td>\n<td>\u66f8\u9762\u8a55\u6bd4\u8868<\/td>\n<\/tr>\n<tr>\n<td>4. \u7c21\u5831\u8207\u8a62\u7b54<\/td>\n<td>\u8acb\u5165\u570d\u696d\u8005\u7c21\u5831\uff0c\u7528\u4e0b\u4e00\u7bc0\u7684\u5341\u500b\u554f\u984c\u9010\u4e00\u8a62\u554f<\/td>\n<td>\u8a62\u7b54\u7d00\u9304<\/td>\n<\/tr>\n<tr>\n<td>5. \u8b70\u7d04<\/td>\n<td>\u5be9\u95b1\u5951\u7d04\uff0c\u7279\u5225\u662f\u5229\u76ca\u885d\u7a81\u3001\u4fdd\u7ba1\u3001\u7d42\u6b62\u8207\u79fb\u4ea4\u689d\u6b3e<\/td>\n<td>\u5951\u7d04\u5b9a\u7a3f<\/td>\n<\/tr>\n<tr>\n<td>6. \u7d00\u9304\u8207\u6838\u5b9a<\/td>\n<td>\u628a\u8a55\u6bd4\u7406\u7531\u5beb\u9032\u6703\u8b70\u7d00\u9304\uff0c\u7531\u6709\u6b0a\u9650\u7684\u6a5f\u95dc\u6838\u5b9a<\/td>\n<td>\u6703\u8b70\u7d00\u9304\u3001\u6838\u5b9a\u6587\u4ef6<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u6d41\u7a0b\u7684\u50f9\u503c\uff0c\u4e3b\u8981\u5728\u6bcf\u4e00\u6b65\u90fd\u7559\u4e0b\u66f8\u9762\u7d00\u9304\u3002\u5e7e\u5e74\u5f8c\u59d4\u54e1\u63db\u4e86\u4e00\u8f2a\uff0c\u65b0\u59d4\u54e1\u7ffb\u7d00\u9304\u5c31\u77e5\u9053\u7576\u521d\u70ba\u4ec0\u9ebc\u9078\u9019\u4e00\u5bb6\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u63d0\u6848\u6642\u53ef\u4ee5\u554f\u7684\u5341\u500b\u554f\u984c<\/h2>\n\n<ol class=\"wp-block-list\">\n<li>\u8cb4\u516c\u53f8\u6301\u6709\u54ea\u4e9b\u71df\u696d\u57f7\u7167\uff1f\u662f\u5426\u6838\u51c6\u7d93\u71df\u5168\u6b0a\u59d4\u8a17\uff1f\u672c\u6848\u670d\u52d9\u4eba\u54e1\u662f\u5426\u5df2\u767b\u9304\uff1f<\/li>\n<li>\u8cb4\u516c\u53f8\u6216\u95dc\u4fc2\u4f01\u696d\uff0c\u662f\u5426\u767c\u884c\u6216\u92b7\u552e\u81ea\u5bb6\u5546\u54c1\uff1f\u662f\u5426\u548c\u4f60\u5011\u6703\u63a8\u85a6\u7684\u57fa\u91d1\u6216\u8cc7\u7522\u7ba1\u7406\u696d\u8005\u6709\u696d\u52d9\u5f80\u4f86\uff1f<\/li>\n<li>\u9664\u4e86\u6211\u5011\u4ed8\u7684\u9867\u554f\u8cbb\uff0c\u8cb4\u516c\u53f8\u6703\u4e0d\u6703\u56e0\u70ba\u63a8\u85a6\u7684\u6a19\u7684\u800c\u6536\u5230\u5176\u4ed6\u5831\u916c\uff1f\u91d1\u984d\u5360\u71df\u6536\u591a\u5c11\uff1f<\/li>\n<li>\u6709\u6c92\u6709\u66f8\u9762\u7684\u5229\u76ca\u885d\u7a81\u653f\u7b56\uff1f\u767c\u751f\u885d\u7a81\u6642\u600e\u9ebc\u8655\u7406\uff1f<\/li>\n<li>\u8acb\u7528\u4e00\u9801\u6587\u5b57\u8aaa\u660e\u4f60\u5011\u7684\u6295\u8cc7\u6c7a\u7b56\u6d41\u7a0b\u3002\u904e\u53bb\u5e02\u5834\u5927\u8dcc\u6642\u5be6\u969b\u600e\u9ebc\u505a\uff1f<\/li>\n<li>\u80fd\u5426\u5354\u52a9\u6211\u5011\u8a02\u5b9a\u6216\u6aa2\u8a0e\u6295\u8cc7\u653f\u7b56\u66f8\uff1f\u54ea\u4e9b\u6c7a\u5b9a\u4ecd\u7531\u6211\u5011\u6838\u5b9a\uff1f<\/li>\n<li>\u5831\u544a\u5305\u542b\u54ea\u4e9b\u671f\u9593\u3001\u54ea\u4e9b\u57fa\u6e96\u8207\u98a8\u96aa\u6307\u6a19\uff1f\u7e3e\u6548\u7528\u4ec0\u9ebc\u65b9\u6cd5\u8a08\u7b97\uff1f<\/li>\n<li>\u672c\u6848\u7531\u8ab0\u8ca0\u8cac\uff1f\u4ee3\u7406\u4eba\u662f\u8ab0\uff1f\u8fd1\u4e09\u5e74\u5718\u968a\u6709\u54ea\u4e9b\u4eba\u54e1\u7570\u52d5\uff1f<\/li>\n<li>\u6211\u5011\u7684\u8cc7\u7522\u7531\u54ea\u4e00\u5bb6\u6a5f\u69cb\u4fdd\u7ba1\uff1f\u8cb4\u516c\u53f8\u5728\u8cc7\u91d1\u6d41\u7a0b\u4e2d\u626e\u6f14\u4ec0\u9ebc\u89d2\u8272\uff1f<\/li>\n<li>\u5408\u7d04\u600e\u9ebc\u7d42\u6b62\uff1f\u901a\u77e5\u671f\u9593\u591a\u9577\uff1f\u7d42\u6b62\u5f8c\u90e8\u4f4d\u8207\u8cc7\u6599\u600e\u9ebc\u79fb\u4ea4\uff1f<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u7b2c 2 \u81f3 4 \u984c\u53c3\u8003 SEC \u8207\u7f8e\u570b\u52de\u5de5\u90e8 2005 \u5e74\u9074\u9078\u63d0\u793a\u7684\u554f\u6cd5\u3002\u63d0\u793a\u539f\u6587\u9084\u5efa\u8b70\u8acb\u9867\u554f\u4ee5\u66f8\u9762\u78ba\u8a8d\u5176\u53d7\u8a17\u7fa9\u52d9\uff1b\u53f0\u7063\u7684\u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u53ca\u9867\u554f\u6cd5\u7b2c 7 \u689d\uff0c\u5df2\u8981\u6c42\u696d\u8005\u4ee5\u5584\u826f\u7ba1\u7406\u4eba\u4e4b\u6ce8\u610f\u7fa9\u52d9\u53ca\u5fe0\u5be6\u7fa9\u52d9\u57f7\u884c\u696d\u52d9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b2c 7 \u984c\u53ef\u4ee5\u518d\u8ffd\u554f\uff1a\u7e3e\u6548\u662f\u5426\u4f9d\u4e00\u81f4\u7684\u65b9\u6cd5\u8a08\u7b97\uff0c\u4f8b\u5982 CFA Institute \u5236\u5b9a\u7684\u5168\u7403\u6295\u8cc7\u7e3e\u6548\u6a19\u6e96\uff08GIPS\uff09\uff0c\u9019\u5957\u6a19\u6e96\u4ee5\u516c\u5141\u8868\u9054\u8207\u5145\u5206\u63ed\u9732\u70ba\u539f\u5247<sup>[10]<\/sup>\u3002\u5831\u916c\u81f3\u5c11\u5217\u51fa\u8fd1\u4e00\u5e74\u3001\u4e09\u5e74\u3001\u4e94\u5e74\u8207\u59d4\u4efb\u4ee5\u4f86\uff0c\u4e26\u5c0d\u7167\u4e8b\u5148\u7d04\u5b9a\u7684\u57fa\u6e96\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9078\u5b9a\u4e4b\u5f8c\uff0c\u4e5f\u8981\u5b9a\u671f\u518d\u6aa2\u8996<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9078\u5b9a\u9867\u554f\u4e0d\u662f\u7d42\u9ede\u3002\u7f8e\u570b\u7684\u59d4\u5916\u5e02\u5834\u88e1\uff0c\u63db\u696d\u8005\u76f8\u7576\u5e38\u898b\uff1aPLANSPONSOR \u5f15\u8ff0 Cerulli Associates \u7684\u7f8e\u570b OCIO \u5e74\u5ea6\u5831\u544a\uff0c\u7531 OCIO \u9074\u9078\u9867\u554f\u5b8c\u6210\u7684\u9074\u9078\u6848\u4e2d\uff0c42% \u662f\u66f4\u63db\u65e2\u6709\u696d\u8005<sup>[11]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u63db\u696d\u8005\u6bd4\u4f8b\u9ad8\uff0c\u4ee3\u8868\u59d4\u54e1\u6703\u771f\u7684\u5728\u6aa2\u8996\uff0c\u4e26\u4e0d\u7b49\u65bc\u9867\u554f\u5e38\u5e38\u505a\u4e0d\u597d\u3002\u59d4\u54e1\u6703\u53ef\u4ee5\u5728\u6bcf\u5e74\u7684\u6574\u9ad4\u6aa2\u8996\u4e2d\uff0c\u7528\u8868 2 \u518d\u770b\u4e00\u6b21\u8868\u73fe\u3001\u8cbb\u7528\u8207\u4eba\u54e1\u8b8a\u52d5\uff0c\u4e26\u5beb\u9032\u6703\u8b70\u7d00\u9304\u3002\u8b70\u7a0b\u8207\u7d00\u9304\u7684\u5beb\u6cd5\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=16735\">\u300a\u6295\u8cc7\u59d4\u54e1\u6703\u600e\u9ebc\u958b\uff1a\u8b70\u7a0b\u3001\u8cc7\u6599\u8207\u7d00\u9304\u300b<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9078\u9867\u554f\u96e3\u7684\u5730\u65b9\uff0c\u5176\u5be6\u662f\u8b93\u59d4\u54e1\u6703\u5728\u6bd4\u8f03\u4e4b\u524d\u5148\u8b1b\u597d\uff1a\u54ea\u4e9b\u6c7a\u5b9a\u8981\u7559\u5728\u81ea\u5df1\u624b\u4e0a\u3002\u9019\u4ef6\u4e8b\u60f3\u6e05\u695a\u4e86\uff0c\u516d\u500b\u9762\u5411\u5c31\u53ea\u662f\u9010\u9805\u6253\u52fe\u3002\u5982\u679c\u60f3\u5148\u4e86\u89e3\u59d4\u5916\u6295\u8cc7\u9577\u5728\u53f0\u7063\u600e\u9ebc\u904b\u4f5c\u3001\u59d4\u54e1\u6703\u548c\u9867\u554f\u5404\u81ea\u505a\u4ec0\u9ebc\uff0c\u53ef\u4ee5\u5f9e\u4e0a\u9762\u90a3\u7bc7 OCIO \u6307\u5357\u958b\u59cb\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u6295\u8cc7\u9867\u554f\u548c\u5168\u6b0a\u59d4\u8a17\uff0c\u6a5f\u69cb\u8a72\u9078\u54ea\u4e00\u7a2e\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5148\u770b\u6a5f\u69cb\u81ea\u5df1\u7684\u7ba1\u7406\u898f\u7bc4\u5141\u8a31\u54ea\u4e00\u7a2e\uff0c\u4ee5\u53ca\u8ab0\u8ca0\u8cac\u7c3d\u6838\u6295\u8cc7\u6c7a\u5b9a\u3002\u7531\u59d4\u54e1\u6703\u4fdd\u7559\u6bcf\u4e00\u7b46\u6c7a\u5b9a\u6b0a\uff0c\u9069\u5408\u9867\u554f\uff1b\u8981\u628a\u57f7\u884c\u4ea4\u7d66\u696d\u8005\uff0c\u696d\u8005\u5fc5\u9808\u7d93\u6838\u51c6\u7d93\u71df\u5168\u6b0a\u59d4\u8a17\uff0c\u8cc7\u7522\u4e5f\u8981\u4ea4\u7531\u4fdd\u7ba1\u6a5f\u69cb\u4fdd\u7ba1\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u9867\u554f\u8cbb\u6bd4\u8f03\u4f4e\u7684\u696d\u8005\u6bd4\u8f03\u5212\u7b97\u55ce\uff1f<\/h3>\n\n<p 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center; padding: 40px 20px;\">\n<h2 id=\"schedule-a-visit\" class=\"wp-block-heading has-text-align-center rwd-heading\" style=\"line-height: 1.15; font-weight: bold;\">\u555f\u52d5\u6cd5\u4eba\u8cc7\u7522\u7ba1\u7406\u670d\u52d9<\/h2>\n<div class=\"wp-block-buttons\" style=\"display: flex; flex-direction: column; align-items: center; gap: 20px;\">\n<div class=\"wp-block-button rwd-btn-wrapper\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" style=\"border-radius: 0px; color: #ffffff; background-color: #01235d; text-align: center; display: block; box-sizing: border-box; font-weight: bold;\" href=\"https:\/\/urli.ai\/line\/xJCzccNO\">\u7acb\u5373\u524d\u5f80\uff0c\u770b\u6210\u529f\u4f01\u696d\u90fd\u600e\u9ebc\u505a<\/a><\/div>\n<div class=\"wp-block-button rwd-btn-wrapper\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" style=\"border-radius: 0px; color: #ffffff; background-color: #c9a961; text-align: center; display: block; box-sizing: border-box; font-weight: bold;\" href=\"https:\/\/urli.ai\/4aab5rKl\">\u7d22\u53d6\u4f01\u696d\u7559\u624d\u767d\u76ae\u66f8<\/a><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>[1] \u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u53ca\u9867\u554f\u6cd5\uff082023\u5e746\u670828\u65e5\u4fee\u6b63\uff09\u3002\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u3002https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=G0400121<\/li>\n<li>[2] \u4e2d\u83ef\u6c11\u570b\u8b49\u5238\u6295\u8cc7\u4fe1\u8a17\u66a8\u9867\u554f\u5546\u696d\u540c\u696d\u516c\u6703\uff08\u7121\u65e5\u671f\uff09\u3002\u67e5\u8a62\u5408\u6cd5\u696d\u8005\u3001\u6703\u54e1\u540d\u9304\u67e5\u8a62\u3001\u5168\u6b0a\u59d4\u8a17\u5404\u9805\u8cc7\u6599\u3001\u5883\u5167\uff0f\u5883\u5916\u57fa\u91d1\u92b7\u552e\u6a5f\u69cb\u67e5\u8a62\u3001\u67e5\u8a62\u6295\u4fe1\u6295\u9867\u5408\u683c\u767b\u9304\u4eba\u54e1\u7cfb\u7d71\u30022026\u5e7410\u670810\u65e5\u6aa2\u7d22\uff0chttps:\/\/www.sitca.org.tw\/<\/li>\n<li>[3] \u8b1d\u65b9\u5a2a\uff082021\u5e743\u67083\u65e5\uff09\u3002\u91d1\u7ba1\u6703\u6838\u51c6\u4eca\u5e74\u6c99\u76d2\u9996\u6848\uff0c\u5be6\u9a57\u5b9a\u671f\u5b9a\u984d\u6295\u8cc7\u7f8e\u570b ETF\u3002\u79d1\u6280\u65b0\u5831\uff08\u8f49\u8f09\u81ea\u4e2d\u592e\u793e\uff09\u3002https:\/\/technews.tw\/?p=711260<\/li>\n<li>[4] \u8b1d\u65b9\u5a2a\uff082023\u5e742\u670810\u65e5\uff09\u3002\u777d\u9055\u8fd1 2 \u5e74\uff0c\u91d1\u878d\u76e3\u7406\u6c99\u76d2\u6709\u671b\u518d\u6dfb\u4e00\u6848\u3002\u79d1\u6280\u65b0\u5831\uff08\u8f49\u8f09\u81ea\u4e2d\u592e\u793e\uff09\u3002https:\/\/finance.technews.tw\/2023\/02\/10\/financial-supervision-sandbox-is-expected-to-add-another-case\/<\/li>\n<li>[5] U.S. Securities and Exchange Commission &amp; U.S. Department of Labor. (2005, May 31). <em>Selecting and monitoring pension consultants: Tips for plan fiduciaries<\/em>. https:\/\/www.sec.gov\/investor\/pubs\/sponsortips.htm<\/li>\n<li>[6] \u9673\u8335\u8335\uff082025\u5e749\u670810\u65e5\uff09\u3002\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u4ee5AI\u8207\u884c\u70ba\u91d1\u878d\u5b78\u6253\u9020\u667a\u80fd\u7406\u8ca1\u5e73\u53f0\u3002\u5de5\u5546\u6642\u5831\u3002https:\/\/www.ctee.com.tw\/news\/20250910700530-431201<\/li>\n<li>[7] \u6797\u5ba5\u5ead\uff082026\u5e749\u670811\u65e5\uff09\u3002\u53f0\u7063\u92fc\u806f\u651c\u624b\u963f\u723e\u767c\u6295\u9867\u3000\u8b93AI\u7406\u8ca1\u8d70\u9032\u4f01\u696d\u798f\u5229\u3002\u5de5\u5546\u6642\u5831\u3002https:\/\/www.ctee.com.tw\/news\/20260911701249-431201<\/li>\n<li>[8] \u9673\u5efa\u5b87\uff082025\u5e7411\u670821\u65e5\uff09\u3002\u8c50\u8208\u651c\u9060\u6771\u5546\u9280\u3001\u963f\u723e\u767c\u6295\u9867\u3000\u6253\u9020\u540c\u696d\u9996\u4f8b\u300c\u9867\u554f\u5f0f\u54e1\u5de5\u798f\u5132\u4fe1\u8a17\u300d\u3002\u5de5\u5546\u6642\u5831\u3002https:\/\/www.ctee.com.tw\/news\/20251121701557-430503<\/li>\n<li>[9] \u8b1d\u65b9\u5a2a\uff082025\u5e744\u670816\u65e5\uff09\u3002\u9022\u7532\u5927\u5b78\u7528\u653e\u5927\u9000\u4f11\u91d1\u7559\u624d\uff01\u4fe1\u8a17\uff0b\u6a5f\u5668\u4eba\u7406\u8ca1\u662f\u4ec0\u9ebc\uff1f\u5929\u4e0b\u96dc\u8a8c\u3002https:\/\/www.cw.com.tw\/article\/5134937<\/li>\n<li>[10] CFA Institute. (n.d.). <em>About the GIPS standards<\/em>. Retrieved October 10, 2026, from https:\/\/www.gipsstandards.org\/about\/<\/li>\n<li>[11] PLANSPONSOR. (2025, November 20). <em>Cerulli projects $1.3T in OCIO inflows by 2029<\/em>. https:\/\/www.plansponsor.com\/cerulli-projects-1-3t-in-ocio-inflows-by-2029\/<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>\u6a5f\u69cb\u9078\u59d4\u5916\u6295\u8cc7\u9867\u554f\uff0c\u5148\u78ba\u8a8d\u57f7\u7167\u8207\u696d\u52d9\u7bc4\u570d\uff0c\u518d\u770b\u7368\u7acb\u6027\u3001\u6536\u8cbb\u4f86\u6e90\u8207\u7e3d\u6210\u672c\u3001\u6295\u8cc7\u65b9\u6cd5\u3001\u5831\u544a\u900f\u660e\u5ea6\u3001\u4eba\u54e1\u7a69\u5b9a\u8207\u8cc7\u7522\u4fdd\u7ba1\u548c\u5408\u7d04\u689d\u6b3e\u3002\u672c\u6587\u6574\u7406\u516d\u500b\u8a55\u4f30\u9762\u5411\u3001\u4e00\u5f35\u6aa2\u6838\u8868\u3001\u9074\u9078\u6d41\u7a0b\u8207\u63d0\u6848\u6642\u53ef\u4ee5\u554f\u7684\u554f\u984c\uff0c\u4e26\u4ee5\u53f0\u7063\u516c\u958b\u5831\u5c0e\u7684\u6848\u4f8b\u8aaa\u660e\u600e\u9ebc\u67e5\u57f7\u7167\u3001\u8cc7\u91d1\u7531\u8ab0\u4fdd\u7ba1\u3002<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"\u9078\u59d4\u5916\u6295\u8cc7\u9867\u554f\u770b\u516d\u9762\u5411\uff1a\u57f7\u7167\u3001\u7368\u7acb\u6027\u3001\u6210\u672c\u3001\u65b9\u6cd5\u3001\u900f\u660e\u5ea6\u3001\u4fdd\u7ba1\u8207\u5408\u7d04\uff0c\u9644\u6aa2\u6838\u8868\u3002","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[563],"tags":[588,589,591,587,572,573,590,592],"class_list":["post-16739","post","type-post","status-publish","format-standard","hentry","category-ai-ocio","tag-ocio-","tag-589","tag-591","tag-587","tag-572","tag-573","tag-590","tag-592"],"blocksy_meta":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/16739","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=16739"}],"version-history":[{"count":5,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/16739\/revisions"}],"predecessor-version":[{"id":16901,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/16739\/revisions\/16901"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}