{"id":16741,"date":"2026-10-16T11:15:53","date_gmt":"2026-10-16T03:15:53","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=16741"},"modified":"2026-10-16T11:19:27","modified_gmt":"2026-10-16T03:19:27","slug":"foundation-fund-investment-rules","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=16741","title":{"rendered":"\u8ca1\u5718\u6cd5\u4eba\u57fa\u91d1\u6703\u7684\u8cc7\u91d1\u600e\u9ebc\u904b\u7528\uff1a\u6cd5\u898f\u9650\u5236\u8207\u6295\u8cc7\u898f\u5283"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u8463\u4e8b\u6703\u4e0a\uff0c\u6709\u8463\u4e8b\u554f\u57f7\u884c\u9577\uff1a\u57fa\u91d1\u6703\u7684\u9322\u80fd\u4e0d\u80fd\u591a\u505a\u4e00\u9ede\u6295\u8cc7\uff0c\u8b93\u6bcf\u5e74\u7684\u734e\u52a9\u91d1\u7a69\u4e00\u9ede\uff1f<\/p>\n\n<p class=\"wp-block-paragraph\">\u57f7\u884c\u9577\u7ffb\u958b\u8ca1\u5718\u6cd5\u4eba\u6cd5\uff0c\u5148\u770b\u5230\u7684\u662f\uff1a\u57fa\u91d1\u6703\u80fd\u6295\u4ec0\u9ebc\uff0c\u6cd5\u5f8b\u5217\u5f97\u5f88\u6e05\u695a\u3002\u7b2c 19 \u689d\u628a\u8ca1\u7522\u7684\u904b\u7528\u65b9\u6cd5\u5217\u6210\u516d\u6b3e\uff1a\u5b58\u653e\u91d1\u878d\u6a5f\u69cb\u3001\u516c\u50b5\u8207\u7968\u5238\u3001\u696d\u52d9\u6240\u9700\u52d5\u7522\u8207\u4e0d\u52d5\u7522\u3001\u6709\u64d4\u4fdd\u516c\u53f8\u50b5\u8207\u570b\u5167\u56fa\u5b9a\u6536\u76ca\u578b\u57fa\u91d1\u3001\u80a1\u7968\uff08\u8ca1\u7522\u7e3d\u984d 5% \u4ee5\u5167\uff09\uff0c\u4ee5\u53ca\u4e3b\u7ba1\u6a5f\u95dc\u53e6\u8a02\u7684\u5176\u4ed6\u6295\u8cc7<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6e05\u55ae\u4e4b\u5916\u4e0d\u80fd\u6295\uff0c\u6e05\u55ae\u4e4b\u5167\u4e5f\u6709\u984d\u5ea6\u3002\u57fa\u91d1\u6703\u6295\u8cc7\u7684\u91cd\u9ede\uff0c\u662f\u5728\u6cd5\u5b9a\u7bc4\u570d\u5167\u8b93\u5b73\u606f\u7a69\u5b9a\u652f\u61c9\u6bcf\u5e74\u7684\u516c\u76ca\u652f\u51fa\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6cd5\u898f\u8981\u6c42\u4ec0\u9ebc<\/h2>\n\n<p class=\"wp-block-paragraph\">\u8ca1\u5718\u6cd5\u4eba\u6cd5 2018 \u5e74 8 \u6708 1 \u65e5\u516c\u5e03\u30012019 \u5e74 2 \u6708 1 \u65e5\u65bd\u884c\uff0c\u81f3\u4eca\u672a\u4fee\u6b63\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u898f\u5b9a<\/th>\n<th>\u6cd5\u6e90<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4fdd\u7ba1<\/td>\n<td>\u8ca1\u7522\u4ee5\u6cd5\u4eba\u540d\u7fa9\u4fdd\u7ba1\u53ca\u904b\u7528\uff0c\u53d7\u4e3b\u7ba1\u6a5f\u95dc\u76e3\u7763\uff1b\u8cc7\u91d1\u4e0d\u5f97\u5bc4\u8a17\u6216\u501f\u8cb8\u7d66\u8463\u4e8b\u3001\u76e3\u5bdf\u4eba\u3001\u5176\u4ed6\u500b\u4eba\u6216\u975e\u91d1\u878d\u6a5f\u69cb<\/td>\n<td>\u8ca1\u5718\u6cd5\u4eba\u6cd5\u7b2c 19 \u689d\u7b2c 1 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u53ef\u904b\u7528\u9805\u76ee<\/td>\n<td>\u5b58\u653e\u91d1\u878d\u6a5f\u69cb\uff1b\u516c\u50b5\u3001\u570b\u5eab\u5238\u3001\u4e2d\u592e\u9280\u884c\u5132\u84c4\u5238\u3001\u91d1\u878d\u50b5\u5238\u3001\u53ef\u8f49\u8b93\u5b9a\u5b58\u55ae\u3001\u9280\u884c\u627f\u514c\u532f\u7968\u3001\u9280\u884c\u6216\u7968\u5238\u516c\u53f8\u4fdd\u8b49\u7684\u5546\u696d\u672c\u7968\uff1b\u696d\u52d9\u6240\u9700\u52d5\u7522\u53ca\u4e0d\u52d5\u7522\uff1b\u672c\u65bc\u5b89\u5168\u53ef\u9760\u539f\u5247\u8cfc\u8cb7\u6709\u64d4\u4fdd\u516c\u53f8\u50b5\u3001\u570b\u5167\u6295\u4fe1\u767c\u884c\u7684\u56fa\u5b9a\u6536\u76ca\u578b\u53d7\u76ca\u6191\u8b49<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 3 \u9805\u7b2c 1\u20134 \u6b3e<\/td>\n<\/tr>\n<tr>\n<td>\u80a1\u7968<\/td>\n<td>\u5728\u8ca1\u7522\u7e3d\u984d 5% \u7bc4\u570d\u5167\uff1b\u5c0d\u55ae\u4e00\u516c\u53f8\u6301\u80a1\u4e0d\u5f97\u903e\u8a72\u516c\u53f8\u8cc7\u672c\u984d 5%<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 3 \u9805\u7b2c 5 \u6b3e<\/td>\n<\/tr>\n<tr>\n<td>\u5176\u4ed6\u6295\u8cc7<\/td>\n<td>\u672c\u65bc\u5b89\u5168\u53ef\u9760\u539f\u5247\u3001\u6709\u52a9\u589e\u52a0\u8ca1\u6e90\u7684\u6295\u8cc7\uff0c\u9805\u76ee\u53ca\u984d\u5ea6\u7531\u4e3b\u7ba1\u6a5f\u95dc\u5b9a<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 3 \u9805\u7b2c 6 \u6b3e<\/td>\n<\/tr>\n<tr>\n<td>\u6350\u52a9\u4eba\u7684\u80a1\u7968<\/td>\n<td>\u6350\u52a9\u6216\u6350\u8d08\u7d2f\u8a08\u9054\u57fa\u91d1\u7e3d\u984d\u4e8c\u5206\u4e4b\u4e00\u4ee5\u4e0a\u7684\u6350\u52a9\u4eba\u53ca\u5176\u95dc\u4fc2\u4f01\u696d\u6240\u767c\u884c\u7684\u80a1\u7968\u8207\u516c\u53f8\u50b5\uff0c\u975e\u7d93\u4e3b\u7ba1\u6a5f\u95dc\u6838\u51c6\u4e0d\u5f97\u8cfc\u8cb7<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 5 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u52d5\u7528\u57fa\u91d1<\/td>\n<td>\u7d93\u8463\u4e8b\u6703\u7279\u5225\u6c7a\u8b70\uff08\u5168\u9ad4\u8463\u4e8b\u4e09\u5206\u4e4b\u4e8c\u4ee5\u4e0a\u51fa\u5e2d\u3001\u51fa\u5e2d\u904e\u534a\u6578\u540c\u610f\uff09\uff0c\u4e26\u9673\u5831\u4e3b\u7ba1\u6a5f\u95dc\u8a31\u53ef<\/td>\n<td>\u7b2c 45 \u689d\u7b2c 2 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u5229\u76ca\u885d\u7a81<\/td>\n<td>\u8463\u4e8b\u3001\u76e3\u5bdf\u4eba\u3001\u57f7\u884c\u9577\u6709\u5229\u76ca\u885d\u7a81\u61c9\u81ea\u884c\u8ff4\u907f\uff1b\u4e0d\u5f97\u4ee5\u4e0d\u6b63\u7576\u624b\u6bb5\u5c07\u8ca1\u7522\u79fb\u8f49\u6216\u904b\u7528\u65bc\u6350\u52a9\u4eba\u6216\u5176\u95dc\u4fc2\u4eba<\/td>\n<td>\u7b2c 14\u300115 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u9810\u7b97<\/td>\n<td>\u5e74\u5ea6\u958b\u59cb\u5f8c\u4e00\u500b\u6708\u5167\uff0c\u7576\u5e74\u5de5\u4f5c\u8a08\u756b\u53ca\u7d93\u8cbb\u9810\u7b97\u7d93\u8463\u4e8b\u6703\u901a\u904e\uff0c\u9001\u4e3b\u7ba1\u6a5f\u95dc\u5099\u67e5<\/td>\n<td>\u7b2c 25 \u689d\u7b2c 1 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u6c7a\u7b97<\/td>\n<td>\u5e74\u5ea6\u7d50\u675f\u5f8c\u4e94\u500b\u6708\u5167\uff0c\u524d\u4e00\u5e74\u5ea6\u5de5\u4f5c\u5831\u544a\u53ca\u8ca1\u52d9\u5831\u8868\u7d93\u8463\u4e8b\u6703\u901a\u904e\uff0c\u9001\u4e3b\u7ba1\u6a5f\u95dc\u5099\u67e5\uff1b\u8a2d\u76e3\u5bdf\u4eba\u8005\u9644\u76e3\u5bdf\u5831\u544a\u66f8<\/td>\n<td>\u7b2c 25 \u689d\u7b2c 1\u30012 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u8cc7\u8a0a\u516c\u958b<\/td>\n<td>\u4e0a\u8ff0\u8cc7\u6599\u65bc\u4e3b\u7ba1\u6a5f\u95dc\u5099\u67e5\u5f8c\u4e00\u500b\u6708\u5167\u4e3b\u52d5\u516c\u958b<\/td>\n<td>\u7b2c 25 \u689d\u7b2c 3 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u6703\u8a08\u8207\u5167\u63a7<\/td>\n<td>\u6b0a\u8cac\u767c\u751f\u5236\u3001\u539f\u5247\u63a1\u66c6\u5e74\u5236\uff1b\u8ca1\u7522\u6216\u5e74\u6536\u5165\u9054\u4e3b\u7ba1\u6a5f\u95dc\u6240\u5b9a\u91d1\u984d\u8005\uff0c\u61c9\u5efa\u5167\u63a7\u7a3d\u6838\u5236\u5ea6\uff0c\u8ca1\u5831\u7d93\u6703\u8a08\u5e2b\u7c3d\u8b49<\/td>\n<td>\u7b2c 24 \u689d<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u300c\u5176\u4ed6\u6295\u8cc7\u300d\u5404\u4e3b\u7ba1\u6a5f\u95dc\u898f\u5b9a\u4e0d\u540c\u3002\u4f8b\u5982\u7d93\u6fdf\u90e8\u898f\u5b9a BBB+ \u4ee5\u4e0a\u7121\u64d4\u4fdd\u516c\u53f8\u50b5\u3001\u7b26\u5408\u914d\u606f\u689d\u4ef6\u7684\u570b\u5167\u80a1\u7968 ETF\uff0c\u5404\u4ee5\u6de8\u503c 5% \u70ba\u9650\uff08\u5831\u51c6\u53ef\u5230 20%\uff09\uff0c\u4e26\u9808\u5148\u8a02\u6295\u8cc7\u8a55\u4f30\u3001\u6c7a\u7b56\u8207\u505c\u640d\u6a5f\u5236<sup>[2]<\/sup>\uff1b\u5916\u4ea4\u90e8\u898f\u5b9a\u7d93\u5176\u6838\u5b9a\u7684\u6295\u8cc7\uff0c\u7e3d\u984d\u4e0d\u5f97\u903e\u6cd5\u9662\u767b\u8a18\u8ca1\u7522\u7e3d\u984d\u4e8c\u5206\u4e4b\u4e00<sup>[3]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u8a66\u7b97\uff1a\u4e00\u5104\u5143\u7684\u57fa\u91d1\u6703\uff0c\u6cd5\u898f\u6846\u51fa\u591a\u5927\u7684\u7a7a\u9593<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e00\u500b\u8ca1\u7522\u7e3d\u984d\u8207\u6de8\u503c\u90fd\u662f 1 \u5104\u5143\u3001\u7d93\u6fdf\u90e8\u4e3b\u7ba1\u3001\u6c11\u9593\u6350\u52a9\u7684\u57fa\u91d1\u6703\u70ba\u4f8b\uff0c\u5047\u8a2d\u7576\u5e74\u5b73\u606f 200 \u842c\u5143\u3001\u6350\u6b3e\u6536\u5165 300 \u842c\u5143\uff08\u8a66\u7b97\uff09\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u8a08\u7b97<\/th>\n<th>\u4e0a\u9650\u6216\u4e0b\u9650<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u80a1\u7968\uff08\u7b2c 19 \u689d\u7b2c 3 \u9805\u7b2c 5 \u6b3e\uff09<\/td>\n<td>1 \u5104 \u00d7 5%<\/td>\n<td>\u6700\u591a 500 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u570b\u5167\u80a1\u7968 ETF\uff08\u7d93\u6fdf\u90e8\u898f\u5b9a\uff0c\u672a\u5831\u51c6\uff09<\/td>\n<td>\u6de8\u503c 1 \u5104 \u00d7 5%<\/td>\n<td>\u6700\u591a 500 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>BBB+ \u4ee5\u4e0a\u7121\u64d4\u4fdd\u516c\u53f8\u50b5\uff08\u7d93\u6fdf\u90e8\u898f\u5b9a\uff0c\u672a\u5831\u51c6\uff09<\/td>\n<td>\u6de8\u503c 1 \u5104 \u00d7 5%<\/td>\n<td>\u6700\u591a 500 \u842c\u5143<\/td>\n<\/tr>\n<tr>\n<td>\u8981\u514d\u7d0d\u6240\u5f97\u7a05\u7684\u76ee\u7684\u4e8b\u696d\u652f\u51fa<\/td>\n<td>\uff08200 \u842c \uff0b 300 \u842c\uff09\u00d7 60%<\/td>\n<td>\u81f3\u5c11 300 \u842c\u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u7684\u610f\u601d\u662f\uff1a\u6cd5\u898f\u5141\u8a31\u7684\u80a1\u6b0a\u985e\u6295\u8cc7\u5408\u8a08\u4e0d\u5927\uff0c\u5927\u90e8\u5206\u8cc7\u91d1\u4ecd\u5728\u5b58\u6b3e\u3001\u516c\u50b5\u8207\u56fa\u5b9a\u6536\u76ca\u3002\u6295\u8cc7\u898f\u5283\u8981\u5148\u7b97\u51fa\u6bcf\u5e74\u81f3\u5c11\u8981\u82b1\u591a\u5c11\uff0c\u518d\u56de\u982d\u770b\u9019\u4e9b\u9322\u653e\u5728\u54ea\u88e1\u624d\u7a69\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u652f\u51fa\u6bd4\u4f8b\u65b9\u9762\uff0c\u8ca1\u5718\u6cd5\u4eba\u6cd5\u53ea\u8981\u6c42\u4ee5\u5b73\u606f\u53ca\u5404\u9805\u6240\u5f97\u8fa6\u7406\u8a2d\u7acb\u76ee\u7684\u696d\u52d9\uff08\u7b2c 18 \u689d\uff09\u3002\u5e38\u807d\u5230\u7684\u300c60%\u300d\u4f86\u81ea\u6240\u5f97\u7a05\uff1a\u8981\u514d\u7d0d\u6240\u5f97\u7a05\uff0c\u7528\u65bc\u5275\u8a2d\u76ee\u7684\u6d3b\u52d5\u7684\u652f\u51fa\u4e0d\u5f97\u4f4e\u65bc\u57fa\u91d1\u6bcf\u5e74\u5b73\u606f\u53ca\u5176\u4ed6\u5404\u9805\u6536\u5165\u7684 60%\uff08\u6559\u80b2\u6587\u5316\u516c\u76ca\u6148\u5584\u6a5f\u95dc\u6216\u5718\u9ad4\u514d\u7d0d\u6240\u5f97\u7a05\u9069\u7528\u6a19\u6e96\u7b2c 2 \u689d\u7b2c 1 \u9805\u7b2c 8 \u6b3e\uff0c\u6709\u7d50\u9918\u6b3e\u4f8b\u5916\uff09<sup>[4]<\/sup>\uff1b\u540c\u689d\u7b2c 5 \u6b3e\u4e5f\u5217\u8209\u4e86\u57fa\u91d1\u53ca\u6536\u5165\u53ef\u5b58\u653e\u3001\u8cfc\u8cb7\u7684\u9805\u76ee\uff0c\u5169\u5957\u898f\u5b9a\u8981\u540c\u6642\u7b26\u5408\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u653f\u5e9c\u6350\u52a9\u7684\u57fa\u91d1\u6703\u591a\u4e86\u54ea\u4e9b\u898f\u5b9a<\/h2>\n\n<p class=\"wp-block-paragraph\">\u653f\u5e9c\u6350\u52a9\u8d85\u904e\u57fa\u91d1\u7e3d\u984d 50% \u7684\u662f\u653f\u5e9c\u6350\u52a9\u4e4b\u8ca1\u5718\u6cd5\u4eba\uff08\u7b2c 2 \u689d\uff09\u3002\u7b2c 19 \u689d\u7684\u904b\u7528\u9650\u5236\u5169\u8005\u90fd\u9069\u7528\uff0c\u653f\u5e9c\u6350\u52a9\u7684\u53e6\u5916\u9084\u6709\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u898f\u5b9a<\/th>\n<th>\u6cd5\u6e90<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u9810\u6c7a\u7b97<\/td>\n<td>\u6703\u8a08\u5e74\u5ea6\u8207\u653f\u5e9c\u4e00\u81f4\uff1b\u5e74\u5ea6\u958b\u59cb\u524d\u8a02\u5de5\u4f5c\u8a08\u756b\u3001\u7de8\u9810\u7b97\uff0c\u7d93\u8463\u4e8b\u6703\u901a\u904e\u5831\u4e3b\u7ba1\u6a5f\u95dc\uff1b\u4e26\u4f9d\u9810\u7b97\u6cd5\u3001\u6c7a\u7b97\u6cd5\u8fa6\u7406<\/td>\n<td>\u7b2c 55 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u67e5\u6838\u8207\u516c\u958b<\/td>\n<td>\u4e3b\u7ba1\u6a5f\u95dc\u5b9a\u671f\u67e5\u6838\u696d\u52d9\u3001\u8ca1\u52d9\u8207\u6295\u8cc7\u60c5\u5f62\uff0c\u9810\u6c7a\u7b97\u66f8\u8207\u67e5\u6838\u60c5\u5f62\u516c\u958b\u65bc\u7db2\u7ad9<\/td>\n<td>\u7b2c 56 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u76e3\u7763\u898f\u5b9a<\/td>\n<td>\u4e3b\u7ba1\u6a5f\u95dc\u5f97\u5c31\u8ca1\u7522\u904b\u7528\u65b9\u6cd5\u3001\u6295\u8cc7\u9805\u76ee\u8207\u7a0b\u5e8f\u3001\u7e3e\u6548\u8a55\u4f30\u7b49\u8a02\u76e3\u7763\u898f\u5b9a<\/td>\n<td>\u7b2c 61 \u689d\u7b2c 2 \u9805<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u6559\u80b2\u90e8\u70ba\u4f8b\uff0c\u653f\u5e9c\u6350\u52a9\u6cd5\u4eba\u6d89\u53ca\u7b2c 19 \u689d\u7b2c 3 \u9805\u7b2c 4 \u81f3 6 \u6b3e\u7684\u6295\u8cc7\uff0c\u8981\u64ec\u6295\u8cc7\u8a08\u756b\uff0c\u7d93\u8463\u4e8b\u6703\u901a\u904e\u3001\u5831\u90e8\u6838\u51c6\uff1b\u8a08\u756b\u9808\u542b\u6295\u8cc7\u91d1\u984d\u3001\u6a19\u7684\u3001\u5831\u916c\u6548\u76ca\u8207\u98a8\u96aa\u5206\u6790\u3001\u81f3\u5c11\u4e09\u5e74\u9810\u4f30\u6536\u652f<sup>[5]<\/sup>\u3002\u885b\u798f\u90e8\u7684\u898f\u5b9a\u76f8\u8fd1\uff0c\u53e6\u8981\u6c42\u6bcf\u5e74 3 \u6708 31 \u65e5\u524d\u63d0\u7e3e\u6548\u76ee\u6a19<sup>[6]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9322\u653e\u5728\u8ab0\u90a3\u88e1\uff1a\u4fdd\u7ba1\u8207\u5916\u90e8\u9867\u554f\u7684\u5206\u5de5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u7b2c 19 \u689d\u7b2c 1 \u9805\u7684\u610f\u601d\u5f88\u76f4\u63a5\uff1a\u8ca1\u7522\u4ee5\u57fa\u91d1\u6703\u81ea\u5df1\u7684\u540d\u7fa9\u4fdd\u7ba1\uff0c\u4e0d\u80fd\u5bc4\u8a17\u7d66\u500b\u4eba\u6216\u975e\u91d1\u878d\u6a5f\u69cb\u3002\u9019\u4e5f\u662f\u5f88\u591a\u57fa\u91d1\u6703\u9072\u9072\u4e0d\u6562\u627e\u5916\u90e8\u9867\u554f\u7684\u539f\u56e0\uff0c\u64d4\u5fc3\u9322\u4e00\u4ea4\u51fa\u53bb\u5c31\u770b\u4e0d\u5230\u4e86\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5be6\u52d9\u4e0a\uff0c\u8058\u8acb\u6295\u8cc7\u9867\u554f\u4e0d\u7b49\u65bc\u628a\u9322\u4ea4\u51fa\u53bb\u3002\u9867\u554f\u53ea\u63d0\u4f9b\u5efa\u8b70\uff0c\u8cc7\u91d1\u7559\u5728\u57fa\u91d1\u6703\u540d\u4e0b\u7684\u9280\u884c\u6216\u8b49\u5238\u5e33\u6236\uff0c\u4ea4\u6613\u7531\u91d1\u878d\u6a5f\u69cb\u57f7\u884c\uff0c\u4e09\u8005\u53ef\u4ee5\u5206\u958b\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u4e8b\u9805<\/th>\n<th>\u7531\u8ab0\u8ca0\u8cac<\/th>\n<th>\u548c\u7b2c 19 \u689d\u7684\u95dc\u4fc2<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u8cc7\u7522\u4fdd\u7ba1<\/td>\n<td>\u57fa\u91d1\u6703\u540d\u4e0b\u7684\u9280\u884c\u3001\u8b49\u5238\u6216\u4fe1\u8a17\u5e33\u6236<\/td>\n<td>\u7b26\u5408\u300c\u4ee5\u6cd5\u4eba\u540d\u7fa9\u4fdd\u7ba1\u300d\u8207\u300c\u4e0d\u5f97\u5bc4\u8a17\u975e\u91d1\u878d\u6a5f\u69cb\u300d<\/td>\n<\/tr>\n<tr>\n<td>\u6295\u8cc7\u5efa\u8b70\u8207\u5831\u544a<\/td>\n<td>\u53d7\u91d1\u7ba1\u6703\u76e3\u7406\u7684\u8b49\u5238\u6295\u8cc7\u9867\u554f<\/td>\n<td>\u9867\u554f\u4e0d\u7d93\u624b\u8cc7\u91d1\uff0c\u53ea\u63d0\u4f9b\u5efa\u8b70<\/td>\n<\/tr>\n<tr>\n<td>\u6c7a\u7b56\u8207\u6838\u51c6<\/td>\n<td>\u8463\u4e8b\u6703\uff08\u6216\u5176\u6388\u6b0a\u7684\u6295\u8cc7\u5c0f\u7d44\uff09<\/td>\n<td>\u4f9d\u6295\u8cc7\u898f\u5283\u6c7a\u5b9a\uff0c\u52d5\u7528\u57fa\u91d1\u4f9d\u7b2c 45 \u689d\u8fa6\u7406<\/td>\n<\/tr>\n<tr>\n<td>\u4ea4\u6613\u57f7\u884c<\/td>\n<td>\u9280\u884c\u6216\u8b49\u5238\u5546<\/td>\n<td>\u4f9d\u57fa\u91d1\u6703\u7684\u6307\u793a\u4e0b\u55ae<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u9019\u6a23\u7684\u5b89\u6392\u5728\u53f0\u7063\u5df2\u7d93\u6709\u5be6\u4f8b\u3002\u963f\u723e\u767c\u6295\u9867\u6301\u6709\u91d1\u7ba1\u6703\u6838\u767c\u7684\u8b49\u5238\u6295\u9867\u57f7\u7167\uff0c\u4ee5\u8cc7\u7522\u914d\u7f6e\u70ba\u6838\u5fc3\uff0c\u70ba\u6a5f\u69cb\u63d0\u4f9b\u59d4\u5916\u6295\u8cc7\u9577\uff08OCIO\uff09\u670d\u52d9\uff0c\u7a31\u70ba AI \u6295\u8cc7\u9577\u3002\u5b83\u7684\u670d\u52d9\u65b9\u5f0f\u662f\u6536\u53d6\u9867\u554f\u8cbb\u3001\u8cc7\u91d1\u7559\u5728\u6295\u8cc7\u4eba\u540d\u4e0b\u7684\u91d1\u878d\u6a5f\u69cb\u5e33\u6236\uff0c\u5efa\u8b70\u8207\u4ea4\u6613\u5206\u6d41\uff0c\u4ee5\u907f\u514d\u5229\u76ca\u885d\u7a81<sup>[7]<\/sup>\uff1b\u516c\u53f8\u4e5f\u516c\u958b\u8868\u793a\u4e0d\u767c\u884c\u81ea\u6709\u91d1\u878d\u5546\u54c1\uff0c\u4ee5\u7dad\u6301\u6295\u8cc7\u9867\u554f\u89d2\u8272\u7684\u7368\u7acb\u8207\u5ba2\u89c0<sup>[8]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5c0d\u57fa\u91d1\u6703\u4f86\u8aaa\uff0c\u9867\u554f\u7684\u7368\u7acb\u6027\u548c\u7b2c 15 \u689d\u7684\u5229\u76ca\u8ff4\u907f\u662f\u540c\u4e00\u4ef6\u4e8b\u7684\u5169\u9762\uff1a\u8463\u4e8b\u8981\u8ff4\u907f\u81ea\u5df1\u7684\u5229\u76ca\u885d\u7a81\uff0c\u9867\u554f\u7684\u5efa\u8b70\u4e5f\u4e0d\u8a72\u53d7\u81ea\u5bb6\u5546\u54c1\u6216\u901a\u8def\u4f63\u91d1\u5f71\u97ff\u3002\u57fa\u91d1\u6703\u8a55\u4f30\u5916\u90e8\u9867\u554f\u6642\uff0c\u53ef\u4ee5\u5148\u78ba\u8a8d\u56db\u4ef6\u4e8b\uff1a\u9867\u554f\u6709\u6c92\u6709\u4e3b\u7ba1\u6a5f\u95dc\u6838\u767c\u7684\u57f7\u7167\u3001\u662f\u5426\u767c\u884c\u6216\u92b7\u552e\u81ea\u5bb6\u5546\u54c1\u3001\u5831\u916c\u662f\u5426\u53ea\u6709\u57fa\u91d1\u6703\u4ed8\u7684\u9867\u554f\u8cbb\u3001\u8cc7\u91d1\u662f\u4e0d\u662f\u4e00\u76f4\u5728\u57fa\u91d1\u6703\u81ea\u5df1\u7684\u5e33\u6236\u4e26\u7531\u57fa\u91d1\u6703\u6838\u51c6\u4e0b\u55ae\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4e00\u5e74\u7684\u6642\u7a0b<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u6c11\u9593\u6350\u52a9\u3001\u66c6\u5e74\u5236\u7684\u57fa\u91d1\u6703\u70ba\u4f8b\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u6642\u9593<\/th>\n<th>\u8981\u5b8c\u6210\u7684\u4e8b<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u524d\u4e00\u5e74\u7b2c\u56db\u5b63<\/td>\n<td>\u64ec\u4e0b\u4e00\u5e74\u5ea6\u5de5\u4f5c\u8a08\u756b\u3001\u7d93\u8cbb\u9810\u7b97\u8207\u6295\u8cc7\u898f\u5283<\/td>\n<\/tr>\n<tr>\n<td>1 \u6708 31 \u65e5\u524d<\/td>\n<td>\u5de5\u4f5c\u8a08\u756b\u53ca\u7d93\u8cbb\u9810\u7b97\u7d93\u8463\u4e8b\u6703\u901a\u904e\uff0c\u9001\u4e3b\u7ba1\u6a5f\u95dc\u5099\u67e5<\/td>\n<\/tr>\n<tr>\n<td>\u6bcf\u534a\u5e74<\/td>\n<td>\u8463\u4e8b\u6703\u81f3\u5c11\u958b\u6703\u4e00\u6b21\uff08\u7b2c 43 \u689d\uff09\uff0c\u6aa2\u8996\u6295\u8cc7\u8207\u652f\u51fa<\/td>\n<\/tr>\n<tr>\n<td>5 \u6708 31 \u65e5\u524d<\/td>\n<td>\u524d\u4e00\u5e74\u5ea6\u5de5\u4f5c\u5831\u544a\u53ca\u8ca1\u52d9\u5831\u8868\u7d93\u8463\u4e8b\u6703\u901a\u904e\uff08\u8a2d\u76e3\u5bdf\u4eba\u8005\u4e26\u7d93\u67e5\u6838\uff09\uff0c\u9001\u4e3b\u7ba1\u6a5f\u95dc\u5099\u67e5<\/td>\n<\/tr>\n<tr>\n<td>\u5099\u67e5\u5f8c\u4e00\u500b\u6708\u5167<\/td>\n<td>\u4e3b\u52d5\u516c\u958b<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u6559\u80b2\u90e8\u4e3b\u7ba1\u7684\u653f\u5e9c\u6350\u52a9\u6cd5\u4eba\uff0c\u53e6\u9808\u65bc 4 \u6708 30 \u65e5\u524d\u628a\u524d\u4e00\u5e74\u5ea6\u696d\u52d9\u3001\u8ca1\u52d9\u8207\u6295\u8cc7\u7e3e\u6548\u5831\u544a\u63d0\u8463\u4e8b\u6703\u5f8c\u5831\u90e8\u5099\u67e5\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6295\u8cc7\u898f\u5283\u8a72\u5beb\u4ec0\u9ebc<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6cd5\u898f\u6c92\u6709\u898f\u5b9a\u683c\u5f0f\u3002\u4e00\u4efd\u8463\u4e8b\u6703\u770b\u5f97\u61c2\u3001\u4e3b\u7ba1\u6a5f\u95dc\u554f\u5f97\u5230\u4f9d\u64da\u7684\u6295\u8cc7\u898f\u5283\uff0c\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u8981\u56de\u7b54\u7684\u554f\u984c<\/th>\n<th>\u5c0d\u61c9\u7684\u6cd5\u898f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u76ee\u7684<\/td>\n<td>\u9019\u7b46\u8cc7\u91d1\u8981\u652f\u61c9\u54ea\u4e9b\u8a2d\u7acb\u76ee\u7684\u696d\u52d9\uff1f\u5831\u916c\u76ee\u6a19\u5c0d\u61c9\u4ec0\u9ebc\u652f\u51fa\uff1f<\/td>\n<td>\u7b2c 18 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u53ef\u904b\u7528\u8ca1\u7522<\/td>\n<td>\u54ea\u4e9b\u662f\u767b\u8a18\u7684\u57fa\u91d1\u8207\u6350\u52a9\u8ca1\u7522\uff1f\u54ea\u4e9b\u662f\u53ef\u904b\u7528\u7684\u5b73\u606f\u8207\u5176\u4ed6\u6240\u5f97\uff1f<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 4 \u9805\u3001\u7b2c 45 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u6d41\u52d5\u6027\u8207\u5e74\u5ea6\u652f\u51fa<\/td>\n<td>\u9810\u7b97\u88e1\u7684\u696d\u52d9\u652f\u51fa\u3001\u734e\u52a9\u91d1\u984d\u662f\u591a\u5c11\uff1f\u8981\u514d\u7a05\u6642\uff0c60% \u652f\u51fa\u689d\u4ef6\u5920\u4e0d\u5920\uff1f<\/td>\n<td>\u7b2c 25 \u689d\uff1b\u514d\u7d0d\u6240\u5f97\u7a05\u9069\u7528\u6a19\u6e96\u7b2c 2 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u914d\u7f6e\u8207\u6cd5\u898f\u4e0a\u9650<\/td>\n<td>\u6bcf\u985e\u8cc7\u7522\u662f\u5426\u5728\u7b2c 19 \u689d\u6e05\u55ae\u5167\uff1f\u80a1\u7968\u662f\u5426\u5728 5% \u4ee5\u5167\uff1f\u4e3b\u7ba1\u6a5f\u95dc\u5c0d\u5176\u4ed6\u6295\u8cc7\u7684\u984d\u5ea6\uff1f<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 3 \u9805\u3001\u4e3b\u7ba1\u6a5f\u95dc\u8fa6\u6cd5<\/td>\n<\/tr>\n<tr>\n<td>\u98a8\u96aa<\/td>\n<td>\u5229\u7387\u3001\u4fe1\u7528\u8207\u50f9\u683c\u6ce2\u52d5\uff0c\u8463\u4e8b\u6703\u53ef\u4ee5\u63a5\u53d7\u5230\u4ec0\u9ebc\u7a0b\u5ea6\uff1f<\/td>\n<td>\u7b2c 19 \u689d\u300c\u5b89\u5168\u53ef\u9760\u539f\u5247\u300d<\/td>\n<\/tr>\n<tr>\n<td>\u4fdd\u7ba1\u8207\u5206\u5de5<\/td>\n<td>\u8cc7\u7522\u5728\u8ab0\u7684\u5e33\u6236\uff1f\u8ab0\u63d0\u5efa\u8b70\u3001\u8ab0\u6838\u51c6\u3001\u8ab0\u4e0b\u55ae\uff1f<\/td>\n<td>\u7b2c 19 \u689d\u7b2c 1 \u9805<\/td>\n<\/tr>\n<tr>\n<td>\u6aa2\u8a0e<\/td>\n<td>\u591a\u4e45\u6aa2\u8996\u4e00\u6b21\uff1f\u8ab0\u8ca0\u8cac\uff1f\u4ec0\u9ebc\u60c5\u6cc1\u8981\u4fee\u6b63\u4e26\u63d0\u8463\u4e8b\u6703\uff1f<\/td>\n<td>\u7b2c 43 \u689d<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u6709\u4e9b\u57fa\u91d1\u6703\u4e5f\u6703\u628a\u6295\u8cc7\u548c\u81ea\u5df1\u7684\u516c\u76ca\u5b97\u65e8\u653e\u5728\u4e00\u8d77\u770b\uff0c\u4f8b\u5982\u5728\u6295\u8cc7\u898f\u5283\u88e1\u52a0\u4e00\u6bb5\u6c38\u7e8c\uff08ESG\uff09\u539f\u5247\u3002\u6c38\u7e8c\u6295\u8cc7\u7684\u8a55\u9078\u4e5f\u958b\u59cb\u6ce8\u610f\u793e\u6703\u9762\u7684\u6210\u679c\uff1a2026 \u5e74\u7b2c\u516d\u5c46\u53f0\u7063\u6c38\u7e8c\u6295\u8cc7\u734e\u7684 ESG \u5275\u65b0\u9280\u734e\uff0c\u9812\u7d66\u4e86\u963f\u723e\u767c\u6295\u9867\u7d50\u5408 AI \u6295\u8cc7\u9577\u8207\u4fe1\u8a17\u67b6\u69cb\u7684\u9867\u554f\u5f0f\u54e1\u5de5\u798f\u5229\u5132\u84c4\u4fe1\u8a17\uff0c\u8a55\u5be9\u770b\u7684\u662f\u5b83\u5c0d\u54e1\u5de5\u9000\u4f11\u6e96\u5099\u7684\u793e\u6703\u5f71\u97ff<sup>[9]<\/sup>\u3002\u57fa\u91d1\u6703\u5982\u679c\u8981\u5beb\u6c38\u7e8c\u539f\u5247\uff0c\u4e5f\u53ef\u4ee5\u7528\u540c\u6a23\u7684\u89d2\u5ea6\u554f\uff1a\u9019\u7b46\u9322\u7684\u904b\u7528\u65b9\u5f0f\uff0c\u548c\u6211\u5011\u7684\u8a2d\u7acb\u76ee\u7684\u662f\u5426\u4e00\u81f4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6bcf\u5e74\u8981\u5f9e\u57fa\u91d1\u63d0\u591a\u5c11\u652f\u61c9\u696d\u52d9\uff0c\u662f\u53e6\u4e00\u500b\u554f\u984c\u3002\u63d0\u9818\u898f\u5247\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=12293\">\u300a\u6a5f\u69cb\u63d0\u9818\u653f\u7b56\u600e\u9ebc\u8a02\uff1a\u6bcf\u5e74\u63d0\u591a\u5c11\uff0c\u57fa\u91d1\u624d\u80fd\u9577\u4e45\u300b<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u57fa\u91d1\u6703\u53ef\u4ee5\u8cb7\u80a1\u7968\u578b ETF \u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u7b2c 19 \u689d\u7b2c 3 \u9805\u7b2c 4 \u6b3e\u53ea\u5217\u570b\u5167\u6295\u4fe1\u767c\u884c\u7684\u56fa\u5b9a\u6536\u76ca\u578b\u53d7\u76ca\u6191\u8b49\u3002\u80a1\u7968\u578b\u57fa\u91d1\u80fd\u4e0d\u80fd\u6295\u3001\u984d\u5ea6\u591a\u5c11\uff0c\u8981\u770b\u4e3b\u7ba1\u6a5f\u95dc\u4f9d\u7b2c 6 \u6b3e\u8a02\u7684\u898f\u5b9a\uff0c\u4f8b\u5982\u7d93\u6fdf\u90e8\u660e\u5217\u7b26\u5408\u689d\u4ef6\u7684\u570b\u5167\u80a1\u7968 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