{"id":17099,"date":"2026-10-19T15:43:28","date_gmt":"2026-10-19T07:43:28","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=17099"},"modified":"2026-10-19T16:35:09","modified_gmt":"2026-10-19T08:35:09","slug":"%e4%b8%8b%e6%b5%81%e8%80%81%e4%ba%ba%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f%e5%8f%b0%e7%81%a3%e9%80%80%e4%bc%91%e8%b2%a7%e7%aa%ae%e7%9a%84-4-%e5%80%8b%e5%8e%9f%e5%9b%a0%e8%88%87%e9%81%bf%e5%85%8d","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=17099","title":{"rendered":"\u4e0b\u6d41\u8001\u4eba\u662f\u4ec0\u9ebc\uff1f\u53f0\u7063\u9000\u4f11\u8ca7\u7aae\u7684 4 \u500b\u539f\u56e0\u8207\u907f\u514d\u65b9\u6cd5"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\u4e0b\u6d41\u8001\u4eba\u6307\u7684\u662f\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u8eab\u908a\u6c92\u6709\u53ef\u4f9d\u9760\u7684\u4eba\uff0c\u751f\u6d3b\u6c34\u6e96\u843d\u5230\u793e\u6703\u6551\u52a9\u6a19\u6e96\u9644\u8fd1\uff0c\u6216\u96a8\u6642\u53ef\u80fd\u843d\u5230\u90a3\u88e1\u7684\u9577\u8005\u3002<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u8a5e\u51fa\u81ea\u65e5\u672c\u793e\u6703\u798f\u7949\u58eb\uff08certified social worker\uff09\u85e4\u7530\u5b5d\u5178 2015 \u5e74\u7684\u8457\u4f5c\u300a\u4e0b\u6d41\u8001\u4eba\uff1a\u4e00\u5104\u7e3d\u8001\u5f8c\u5d29\u58de\u7684\u885d\u64ca\u300b<sup>[1]<\/sup>\uff0c\u8b1b\u7684\u662f\u8001\u5f8c\u8ca7\u7aae\uff08old-age poverty\uff09\uff0c\u300c\u4e0b\u6d41\u300d\u6307\u751f\u6d3b\u968e\u5c64\u5f80\u4e0b\u6d41\uff0c\u8ddf\u54c1\u884c\u7121\u95dc\uff0c\u53f0\u7063\u4e2d\u8b6f\u672c\u300a\u4e0b\u6d41\u8001\u4eba\uff1a\u5373\u4f7f\u6708\u85aa5\u842c\uff0c\u6211\u5011\u4ecd\u5c07\u53c8\u8001\u53c8\u7aae\u53c8\u5b64\u7368\u300b\u7531\u5982\u679c\u51fa\u7248\u5728 2016 \u5e74\u767c\u884c<sup>[2]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u9019\u672c\u66f8\u6700\u523a\u8033\u7684\u63d0\u9192\uff0c\u662f\u6389\u4e0b\u53bb\u7684\u4eba\u4e0d\u9650\u65bc\u5e74\u8f15\u6642\u5c31\u4f4e\u85aa\u7684\u4eba\uff0c\u9000\u4f11\u524d\u6536\u5165\u4e2d\u7b49\u7684\u4e0a\u73ed\u65cf\uff0c\u78b0\u4e0a\u6d3b\u5f97\u4e45\u3001\u751f\u4e00\u5834\u75c5\u3001\u5bb6\u4eba\u6c92\u8fa6\u6cd5\u652f\u63f4\uff0c\u5b58\u6b3e\u4e00\u6a23\u6703\u898b\u5e95\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u65e5\u672c\u5230 2026 \u5e74 6 \u6708\uff0c\u63a5\u53d7\u751f\u6d3b\u4fdd\u8b77\uff08public assistance\uff09\u7684\u5bb6\u6236\u6709 163 \u842c 4,108 \u6236\uff0c\u5176\u4e2d\u9ad8\u9f61\u8005\u5bb6\u6236 90 \u842c 3,532 \u6236\uff0c\u5360 55.3%<sup>[3]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u5728 2025 \u5e74\u5e95\u8de8\u904e\u4e86\u540c\u4e00\u9053\u9580\u6abb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">65 \u6b72\u4ee5\u4e0a\u4eba\u53e3\u5360 20.06%\uff0c\u6b63\u5f0f\u6210\u70ba\u8d85\u9ad8\u9f61\u793e\u6703\uff08super-aged society\uff09\uff0c\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u5e73\u5747\u6bcf\u6708 19,312 \u5143\uff0c\u4e94\u6210\u4ee5\u4e0a\u7684\u4eba\u6708\u9818\u4e0d\u5230 2 \u842c\u5143\uff1b\u907f\u514d\u7684\u9806\u5e8f\u5176\u5be6\u5f88\u6e05\u695a\uff0c\u5148\u7b97\u51fa\u81ea\u5df1\u7684\u6240\u5f97\u66ff\u4ee3\u7387\u8207\u7f3a\u53e3\uff0c\u518d\u628a\u91ab\u7642\u9577\u7167\u3001\u8cc7\u7522\u914d\u7f6e\u4e00\u8d77\u653e\u9032\u9000\u4f11\u8a08\u756b\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u76ee\u9304\uff1a<a href=\"#data\">\u53f0\u7063\u6578\u64da<\/a>\uff5c<a href=\"#reason1\">\u539f\u56e0\u4e00\uff1a\u6240\u5f97\u66ff\u4ee3\u7387\u4e0d\u8db3<\/a>\uff5c<a href=\"#reason2\">\u539f\u56e0\u4e8c\uff1a\u91ab\u7642\u8207\u9577\u7167<\/a>\uff5c<a href=\"#reason3\">\u539f\u56e0\u4e09\uff1a\u53ea\u653e\u5b9a\u5b58<\/a>\uff5c<a href=\"#reason4\">\u539f\u56e0\u56db\uff1a\u6c92\u5148\u7b97\u7f3a\u53e3<\/a>\uff5c<a href=\"#faq\">\u5e38\u898b\u554f\u984c<\/a>\uff5c\u4e0b\u4e00\u984c\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a><\/p>\n\n<p class=\"wp-block-paragraph\"><a id=\"data\"><\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u53f0\u7063\u6703\u51fa\u73fe\u4e0b\u6d41\u8001\u4eba\u55ce\uff1f6 \u9805\u5b98\u65b9\u6578\u64da<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u8001\u5f97\u6bd4\u65e5\u672c\u5feb\uff0c\u9000\u4f11\u6536\u5165\u537b\u5927\u591a\u843d\u5728\u6bcf\u6708 2 \u842c\u5143\u4e0a\u4e0b\uff0c\u4eba\u53e3\u3001\u58fd\u547d\u3001\u5e74\u91d1\u8207\u5bb6\u5ead\u6536\u652f\u56db\u985e\u5b98\u65b9\u6578\u5b57\uff0c\u6bcf\u4e00\u9805\u90fd\u9644\u4e86\u8cc7\u6599\u65e5\u671f\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u6578\u503c<\/th>\n<th>\u8cc7\u6599\u65e5\u671f<\/th>\n<th>\u4f86\u6e90<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>65 \u6b72\u4ee5\u4e0a\u4eba\u53e3\u5360\u6bd4<\/td>\n<td>20.06%\uff08467 \u842c 3,155 \u4eba\uff09\uff0c\u6b63\u5f0f\u9032\u5165\u8d85\u9ad8\u9f61\u793e\u6703<\/td>\n<td>2025 \u5e74 12 \u6708\u5e95<\/td>\n<td>\u5167\u653f\u90e8\u6236\u7c4d\u7d71\u8a08<sup>[4]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>2045 \u5e74 65 \u6b72\u4ee5\u4e0a\u5360\u6bd4\uff08\u63a8\u4f30\uff09<\/td>\n<td>37.0%<\/td>\n<td>2026 \u5e74 8 \u6708\u63a8\u4f30<\/td>\n<td>\u570b\u5bb6\u767c\u5c55\u59d4\u54e1\u6703<sup>[5]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u570b\u4eba\u5e73\u5747\u58fd\u547d<\/td>\n<td>81.27 \u6b72\uff08\u5973\u6027 84.75 \u6b72\u3001\u7537\u6027 77.93 \u6b72\uff09<\/td>\n<td>2025 \u5e74\u751f\u547d\u8868<\/td>\n<td>\u5167\u653f\u90e8<sup>[6]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u5065\u5eb7\u5e73\u5747\u9918\u547d\u8207\u5e73\u5747\u58fd\u547d\u7684\u5dee\u8ddd<\/td>\n<td>\u7d04 7.9 \u5e74\uff0872.86 \u6b72\u5c0d 80.77 \u6b72\uff09<\/td>\n<td>2024 \u5e74<\/td>\n<td>\u885b\u751f\u798f\u5229\u90e8\u3001\u5167\u653f\u90e8<sup>[7][8]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u5e73\u5747\u6708\u9818<\/td>\n<td>19,312 \u5143\uff1b\u6708\u9818\u4e0d\u5230 2 \u842c\u5143\u8005\u7d04 107.9 \u842c\u4eba\uff0c\u5360 53.5%<\/td>\n<td>2025 \u5e74<\/td>\n<td>\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40<sup>[9]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>65 \u6b72\u4ee5\u4e0a\u7d93\u6fdf\u6236\u9577\u5bb6\u5ead<\/td>\n<td>\u6bcf\u6236\u5e74\u53ef\u652f\u914d\u6240\u5f97 761,522 \u5143\uff0c\u5e74\u6d88\u8cbb\u652f\u51fa 651,950 \u5143<\/td>\n<td>2025 \u5e74<\/td>\n<td>\u884c\u653f\u9662\u4e3b\u8a08\u7e3d\u8655\u5bb6\u5ead\u6536\u652f\u8abf\u67e5<sup>[10]<\/sup><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8868\u88e1\u6211\u6700\u5728\u610f\u7684\u662f\u6700\u5f8c\u5169\u5217\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5e73\u5747\u6708\u9818 19,312 \u5143\uff0c65 \u6b72\u4ee5\u4e0a\u7d93\u6fdf\u6236\u9577\u5bb6\u5ead\u4e00\u5e74\u6d88\u8cbb\u652f\u51fa 651,950 \u5143\uff0c\u63db\u6210\u6bcf\u6708\u662f 651,950\u00f712\u224854,329 \u5143\uff08\u5168\u5bb6\u5408\u8a08\uff09<sup>[10]<\/sup>\uff0c\u4e2d\u9593\u7684\u5dee\u984d\u8981\u9760\u52de\u9000\u3001\u5b58\u6b3e\u8207\u5bb6\u4eba\u88dc\u4e0a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u540c\u4e00\u4efd\u5bb6\u5ead\u6536\u652f\u8abf\u67e5\uff08Survey of Family Income and Expenditure\uff09\u88e1\uff0c\u53ef\u652f\u914d\u6240\u5f97\uff08disposable income\uff09\u6700\u4f4e\u5169\u6210\u7684 65 \u6b72\u4ee5\u4e0a\u5bb6\u5ead\uff0c\u4e00\u5e74\u53ef\u652f\u914d\u6240\u5f97 382,475 \u5143\uff0c\u6d88\u8cbb\u652f\u51fa 417,470 \u5143\uff0c417,470\uff0d382,475\uff1d34,995\uff0c\u6bcf\u5e74\u5165\u4e0d\u6577\u51fa\u7d04 3.5 \u842c\u5143<sup>[10]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u9019\u7fa4\u5bb6\u5ead\u6bcf\u5e74\u90fd\u5728\u52d5\u7528\u5b58\u6b3e\uff0c\u5b58\u6b3e\u7528\u5b8c\u7684\u90a3\u4e00\u5929\uff0c\u5c31\u662f\u4e0b\u6d41\u8001\u4eba\u7684\u8d77\u9ede\u3002<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">2018 \u5e74\u9019\u500b\u984c\u76ee\u7b2c\u4e00\u6b21\u520a\u51fa\u6642\uff0c\u53f0\u7063\u525b\u9032\u5165\u9ad8\u9f61\u793e\u6703\uff08aged society\uff0c65 \u6b72\u4ee5\u4e0a\u5360 14%\uff09\uff0c\u4e03\u5e74\u5f8c\u5360\u6bd4\u8d85\u904e\u5169\u6210\uff0c\u570b\u767c\u6703\u63a8\u4f30 2045 \u5e74\u6703\u5230 37.0%\uff0c\u63a5\u8fd1\u56db\u6210<sup>[5]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5de5\u4f5c\u7684\u4eba\u8b8a\u5c11\u3001\u9818\u5e74\u91d1\u7684\u4eba\u8b8a\u591a\uff0c\u5e74\u91d1\u5236\u5ea6\u7684\u58d3\u529b\u53ea\u6703\u66f4\u5927\uff0c\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\u4e5f\u5c31\u66f4\u91cd\u8981\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u53e6\u4e00\u500b\u8b66\u8a0a\uff1a\u9ad8\u9f61\u8005\u5728\u72af\u7f6a\u4eba\u53e3\u4e2d\u7684\u5360\u6bd4\u4e0a\u5347<\/h3>\n\n<p class=\"wp-block-paragraph\">\u300a\u4e0b\u6d41\u8001\u4eba\u300b\u4e00\u66f8\u63cf\u8ff0\uff0c\u65e5\u672c\u6709\u4e9b\u9577\u8005\u5728\u751f\u6d3b\u7121\u4ee5\u70ba\u7e7c\u6642\u89f8\u6cd5\uff0c\u751a\u81f3\u628a\u76e3\u7344\u7576\u6210\u300c\u81f3\u5c11\u4e0d\u7528\u64d4\u5fc3\u6eab\u98fd\u300d\u7684\u5730\u65b9<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u4e5f\u51fa\u73fe\u985e\u4f3c\u7684\u8a0a\u865f\uff0c\u6cd5\u52d9\u90e8\u7d71\u8a08\uff0c\u6c11\u570b 101 \u5e74\u5230 110 \u5e74\uff0c65 \u6b72\u4ee5\u4e0a\u72af\u7f6a\u4eba\u53e3\u5360\u5168\u9ad4\u72af\u7f6a\u4eba\u53e3\u7684\u6bd4\u4f8b\u7531 4.2% \u5347\u5230 7.7%<sup>[17]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/01\/image-8.png\" alt=\"\u6c11\u570b 101 \u81f3 110 \u5e74\u9ad8\u9f61\u72af\u7f6a\u4eba\u6578\u8207\u5360\u5168\u9ad4\u72af\u7f6a\u4eba\u53e3\u6bd4\u4f8b\u9010\u5e74\u4e0a\u5347\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u6cd5\u52d9\u90e8\u7d71\u8a08\u8cc7\u8a0a\u7db2<sup>[17]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u4eba\u53e3\u8001\u5316\u672c\u8eab\u5c31\u6703\u63a8\u9ad8\u9019\u500b\u6578\u5b57\uff0c\u6240\u4ee5\u4e0d\u80fd\u76f4\u63a5\u89e3\u8b80\u6210\u300c\u9577\u8005\u8d8a\u4f86\u8d8a\u5bb9\u6613\u72af\u7f6a\u300d\uff08\u9019\u7a2e\u6a19\u984c\u5f88\u597d\u4e0b\uff0c\u4f46\u5c0d\u9577\u8005\u4e0d\u516c\u5e73\uff09\uff1b\u4e0d\u904e\u5360\u6bd4\u4e0a\u5347\u7684\u901f\u5ea6\u5feb\u65bc\u9ad8\u9f61\u4eba\u53e3\u5360\u6bd4\uff0c\u81f3\u5c11\u8aaa\u660e\u8001\u5f8c\u7684\u7d93\u6fdf\u58d3\u529b\u8207\u793e\u6703\u5b64\u7acb\uff08social isolation\uff09\uff0c\u5df2\u7d93\u662f\u53f0\u7063\u8981\u9762\u5c0d\u7684\u554f\u984c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u8eab\u908a\u7121\u4eba\u53ef\u4f9d\uff0c\u4e09\u500b\u689d\u4ef6\u540c\u6642\u51fa\u73fe\u6642\uff0c\u98a8\u96aa\u6700\u9ad8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><a id=\"reason1\"><\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u4e0b\u6d41\u8001\u4eba\u7684 4 \u500b\u539f\u56e0\u4e00\u89bd<\/h2>\n\n<p class=\"wp-block-paragraph\">\u653e\u5230\u53f0\u7063\u7684\u8655\u5883\uff0c\u5e38\u898b\u7684\u539f\u56e0\u53ef\u4ee5\u6b78\u6210\u56db\u500b\uff0c\u6bcf\u500b\u90fd\u6709\u4e00\u500b\u5b98\u65b9\u6578\u5b57\u5c0d\u5f97\u4e0a\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u539f\u56e0<\/th>\n<th>\u53f0\u7063\u7684\u6578\u5b57<\/th>\n<th>\u600e\u9ebc\u88dc<\/th>\n<th>\u5ef6\u4f38\u95b1\u8b80<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6240\u5f97\u66ff\u4ee3\u7387\u4e0d\u8db3<\/td>\n<td>\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u5e73\u5747\u6708\u9818 19,312 \u5143\uff082025\uff09<sup>[9]<\/sup><\/td>\n<td>\u5148\u7b97\u81ea\u5df1\u7684\u66ff\u4ee3\u7387\uff0c\u52de\u9000\u81ea\u63d0<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14465\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u91ab\u7642\u8207\u9577\u7167\u652f\u51fa<\/td>\n<td>\u5065\u5eb7\u5e73\u5747\u9918\u547d\u8207\u5e73\u5747\u58fd\u547d\u5dee\u7d04 7.9 \u5e74\uff082024\uff09<sup>[7][8]<\/sup><\/td>\n<td>\u91ab\u7642\u8207\u9577\u7167\u9810\u5099\u91d1\u7368\u7acb\u51fa\u4f86<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13196\">\u5065\u4fdd\u8cbb\u600e\u9ebc\u7b97\uff1f65 \u6b72\u9000\u4f11\u5f8c\u5065\u4fdd\u600e\u9ebc\u8fa6<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u6295\u8cc7\u904e\u5ea6\u4fdd\u5b88<\/td>\n<td>\u81fa\u9280\u4e00\u5e74\u671f\u5b9a\u5132 1.725%\uff082026-10\uff09\u30012025 \u5e74 CPI 1.66%<sup>[15][16]<\/sup><\/td>\n<td>\u9577\u671f\u4e0d\u7528\u7684\u9322\u505a\u80a1\u50b5\u914d\u7f6e<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=840\">\u8cc7\u7522\u914d\u7f6e\u662f\u4ec0\u9ebc\uff1f<\/a><\/td>\n<\/tr>\n<tr>\n<td>\u6c92\u6709\u5148\u7b97\u7f3a\u53e3<\/td>\n<td>\u6240\u5f97\u6700\u4f4e\u5169\u6210\u7684 65 \u6b72\u4ee5\u4e0a\u5bb6\u5ead\u6bcf\u5e74\u5165\u4e0d\u6577\u51fa\u7d04 3.5 \u842c\u5143\uff082025\uff09<sup>[10]<\/sup><\/td>\n<td>\u5f9e\u6bcf\u6708\u60f3\u82b1\u591a\u5c11\u5012\u63a8\u7f3a\u53e3<\/td>\n<td><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<h2 class=\"wp-block-heading\">\u539f\u56e0\u4e00\uff1a\u6240\u5f97\u66ff\u4ee3\u7387\u4e0d\u8db3\uff0c\u6708\u85aa\u8d8a\u9ad8\u843d\u5dee\u8d8a\u5927<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u7684\u6295\u4fdd\u85aa\u8cc7\uff08insured salary\uff09\u4e0a\u9650\u662f 45,800 \u5143<sup>[11]<\/sup>\uff0c\u6708\u85aa\u8d85\u904e\u7684\u90e8\u5206\uff0c\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\uff08Labor Insurance old-age pension\uff09\u4e00\u6bdb\u90fd\u4e0d\u6703\u591a\u7b97\uff0c\u9019\u4e5f\u662f 2018 \u5e74\u6a19\u984c\u5beb\u300c\u6708\u85aa 10 \u842c\u4e5f\u53ef\u80fd\u6dea\u70ba\u4e0b\u6d41\u8001\u4eba\u300d\u7684\u539f\u56e0\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u5f97\u66ff\u4ee3\u7387\uff08replacement rate\uff09\u662f\u9000\u4f11\u5f8c\u6bcf\u6708\u6536\u5165\u9664\u4ee5\u9000\u4f11\u524d\u6708\u85aa\uff0c\u570b\u969b\u52de\u5de5\u7d44\u7e54\uff08International Labour Organization\uff0cILO\uff09\u7b2c 102 \u865f\u516c\u7d04\u8a02\u7684\u6700\u4f4e\u6a19\u6e96\uff0c\u662f\u7e73\u8cbb 30 \u5e74\u7684\u4eba\uff0c\u8001\u5e74\u7d66\u4ed8\u81f3\u5c11\u70ba\u539f\u672c\u6536\u5165\u7684 40%<sup>[12]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u62ff\u4e00\u4f4d\u6708\u85aa 10 \u842c\u5143\u7684\u4e0a\u73ed\u65cf\u4f86\u7b97\uff08\u533f\u540d\u5316\u7684\u5047\u8a2d\u4eba\u7269\uff0c\u4e0d\u5c0d\u61c9\u7279\u5b9a\u500b\u6848\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\uff1a\u6708\u85aa 10 \u842c\u5143\u7684\u4e0a\u73ed\u65cf\uff0c65 \u6b72\u9000\u4f11\u6642\u7684\u6bcf\u6708\u6536\u5165<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u5047\u8a2d<\/th>\n<th>\u6bcf\u6708\u91d1\u984d\uff08\u8a66\u7b97\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u52de\u4fdd\u8001\u5e74\u5e74\u91d1<\/td>\n<td>\u6295\u4fdd\u85aa\u8cc7\u4e0a\u9650 45,800 \u5143\u3001\u5e74\u8cc7 35 \u5e74\u3001\u7d66\u4ed8\u7387 1.55%<\/td>\n<td>\u7d04 24,847 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u52de\u9000\u6708\u9000\u4f11\u91d1<\/td>\n<td>\u96c7\u4e3b\u63d0\u7e73 6%\u300130 \u5e74\u3001\u5c08\u6236\u5e74\u5831\u916c 2%\uff0c\u5c08\u6236\u7d04 292 \u842c\u5143<\/td>\n<td>\u7d04 12,026 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u5408\u8a08<\/td>\n<td>\u2014<\/td>\n<td>\u7d04 36,873 \u5143<\/td>\n<\/tr>\n<tr>\n<td>\u6240\u5f97\u66ff\u4ee3\u7387<\/td>\n<td>36,873 \u00f7 100,000<\/td>\n<td>\u7d04 37%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u7b97\u5f0f\u4e00\u884c\u4e00\u884c\u5beb\u51fa\u4f86\uff0c\u6309\u8a08\u7b97\u6a5f\u5c31\u80fd\u9a57\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u5e74\u91d1\u662f 45,800\u00d735\u00d71.55%\uff1d24,846.5\uff0c\u7d04 24,847 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\uff08Labor Pension\uff09\u5c08\u6236\u6bcf\u6708\u63d0\u7e73 100,000\u00d76%\uff1d6,000 \u5143\uff0c\u4e00\u5e74 72,000 \u5143\uff0c\u5e74\u5831\u916c 2%\u3001\u63d0\u7e73 30 \u5e74\u7684\u5e74\u91d1\u7d42\u503c\u4fc2\u6578\u7d04 40.57\uff0c72,000\u00d740.57\u2248292 \u842c\u5143\uff0c\u518d\u4f9d\u5e73\u5747\u9918\u547d\u6524\u6210\u6708\u9818\uff0c\u7d04 12,026 \u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5169\u7b46\u52a0\u8d77\u4f86 24,847\uff0b12,026\uff1d36,873 \u5143\uff0c36,873\u00f7100,000\u224836.87%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8a66\u7b97\u5047\u8a2d\uff1a30 \u6b72\u958b\u59cb\u5de5\u4f5c\u3001\u52de\u4fdd\u6295\u4fdd 35 \u5e74\u3001\u52de\u9000\u63d0\u7e73 30 \u5e74\u300165 \u6b72\u8acb\u9818\uff0c\u85aa\u8cc7\u4e0d\u8abf\u6574\uff0c\u672a\u8a08\u901a\u81a8\u3001\u7a05\u8ca0\u8207\u52de\u4fdd\u5e74\u91d1\u8abf\u6574\uff1b\u65b9\u6cd5\u8207 <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14465\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97<\/a> \u7684\u4e0a\u73ed\u65cf\u8a66\u7b97\u76f8\u540c\u3002\u8a66\u7b97\u7d50\u679c\u4e0d\u4ee3\u8868\u5be6\u969b\u53ef\u9818\u91d1\u984d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u66ff\u4ee3\u7387\u7d04 37%\uff0c\u5df2\u7d93\u4f4e\u65bc ILO \u7684 40% \u5e95\u7dda\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u9000\u6708\u9000\u4f11\u91d1\u662f\u628a\u5c08\u6236\u9918\u984d\u6309\u5e73\u5747\u9918\u547d\u5206\u671f\u9818\uff0c\u9818\u5b8c\u5c31\u505c\uff0c\u4e4b\u5f8c\u53ea\u5269\u52de\u4fdd\u7d04 24,847 \u5143\uff0c24,847\u00f7100,000\uff0c\u66ff\u4ee3\u7387\u964d\u5230\u7d04 25%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u6536\u5165\u8d8a\u9ad8\uff0c\u5236\u5ea6\u80fd\u5e6b\u4f60\u7684\u6bd4\u4f8b\u8d8a\u4f4e\uff0c\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\u5c31\u8981\u8d8a\u5927\u3002<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">\u60f3\u628a\u81ea\u5df1\u7684\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u4fdd\u5404\u7b97\u4e00\u904d\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14465\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u3001\u570b\u4fdd\u8a66\u7b97\u8207\u6240\u5f97\u66ff\u4ee3\u7387<\/a> \u6709\u6bcf\u4e00\u7a2e\u5236\u5ea6\u7684\u516c\u5f0f\u8207\u8a66\u7b97\u8868\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u300c\u4e86\u89e3\u4e26\u5229\u7528\u5e74\u91d1\u5236\u5ea6\u300d\u9019\u500b 2018 \u5e74\u5c31\u5beb\u904e\u7684\u5efa\u8b70\uff0c\u5230\u4eca\u5929\u4ecd\u7136\u6210\u7acb\uff0c\u52de\u5de5\u53ef\u4ee5\u5728\u96c7\u4e3b\u63d0\u7e73\u4e4b\u5916\uff0c\u81ea\u9858\u63d0\u7e73\uff08voluntary contribution\uff09\u6700\u591a 6%\uff0c\u81ea\u63d0\u7684\u91d1\u984d\u4e0d\u8a08\u5165\u7576\u5e74\u5ea6\u85aa\u8cc7\u6240\u5f97\u8ab2\u7a05<sup>[13]<\/sup>\uff0c\u7b49\u65bc\u7528\u7a05\u524d\u7684\u9322\u66ff\u81ea\u5df1\u88dc\u4e00\u4efd\u9000\u4f11\u91d1\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><a id=\"reason2\"><\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u539f\u56e0\u4e8c\uff1a\u91ab\u7642\u8207\u9577\u7167\u652f\u51fa\uff0c\u8001\u5f8c\u6700\u5927\u7684\u4e0d\u78ba\u5b9a<\/h2>\n\n<p class=\"wp-block-paragraph\">\u570b\u4eba\u5e73\u5747\u58fd\u547d\uff08life expectancy\uff0981.27 \u6b72<sup>[6]<\/sup>\uff0c\u5065\u5eb7\u5e73\u5747\u9918\u547d\uff08healthy life expectancy\uff09\u8207\u5e73\u5747\u58fd\u547d\u4e4b\u9593\u537b\u5dee\u4e86\u7d04 7.9 \u5e74<sup>[7][8]<\/sup>\uff0c\u9019\u6bb5\u6642\u9593\u7684\u91ab\u7642\u8207\u7167\u9867\u8cbb\u7528\u6700\u96e3\u4f30\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2024 \u5e74\u96f6\u6b72\u5065\u5eb7\u5e73\u5747\u9918\u547d\u70ba 72.86 \u6b72<sup>[7]<\/sup>\uff0c\u540c\u5e74\u5e73\u5747\u58fd\u547d\u70ba 80.77 \u6b72<sup>[8]<\/sup>\uff0c80.77\uff0d72.86\uff1d7.91\uff0c\u4e00\u500b\u4eba\u4e00\u751f\u4e2d\u5e73\u5747\u6709\u5c07\u8fd1 8 \u5e74\uff0c\u662f\u5728\u751f\u75c5\u6216\u9700\u8981\u7167\u9867\u7684\u72c0\u614b\u4e0b\u5ea6\u904e\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u7b46\u9322\u9ebb\u7169\u7684\u5730\u65b9\uff0c\u5728\u65bc\u6642\u9593\u8207\u91d1\u984d\u90fd\u6c92\u8fa6\u6cd5\u9810\u5148\u77e5\u9053\uff0c\u5546\u696d\u91ab\u7642\u4fdd\u96aa\u5728\u7406\u8ce0\u4e0a\u5e38\u6709\u689d\u4ef6\u8207\u9650\u984d\uff0c\u9577\u671f\u7167\u9867\uff08long-term care\uff09\u7684\u770b\u8b77\u3001\u8f14\u5177\u8207\u4ea4\u901a\u8cbb\u7528\uff0c\u591a\u534a\u8981\u81ea\u5df1\u8ca0\u64d4\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u65e5\u672c\u7684\u4e0b\u6d41\u8001\u4eba\u6848\u4f8b\u88e1\uff0c\u6700\u5e38\u898b\u7684\u8f49\u6298\u9ede\u6b63\u662f\u4e00\u5834\u75c5\u6216\u4e00\u6b21\u7167\u9867\u9700\u6c42\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u5f8c\u7684\u5065\u4fdd\u8cbb\u540c\u6a23\u662f\u56fa\u5b9a\u652f\u51fa\uff0c2026 \u5e74 10 \u6708 16 \u65e5\uff0c\u7acb\u6cd5\u9662\u4e09\u8b80\u4fee\u6b63\u300a\u8001\u4eba\u798f\u5229\u6cd5\u300b\u7b2c 22 \u689d\uff0c65 \u6b72\u4ee5\u4e0a\u3001\u7d9c\u5408\u6240\u5f97\u7a05\u7a05\u7387\u672a\u9054 20% \u7684\u9577\u8005\uff0c\u5065\u4fdd\u8cbb\u6539\u7531\u4e2d\u592e\u88dc\u52a9<sup>[14]<\/sup>\uff1b\u4e0a\u8def\u524d\u600e\u9ebc\u7e73\u3001\u4f9d\u9644\u5b50\u5973\u9084\u662f\u5728\u516c\u6240\u6295\u4fdd\uff0c\u6574\u7406\u5728 <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13196\">65 \u6b72\u514d\u5065\u4fdd\u8cbb\u4e09\u8b80\uff1a\u8ab0\u80fd\u514d\u3001\u4f55\u6642\u4e0a\u8def<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5065\u5eb7\u662f\u9000\u4f11\u8a08\u756b\u7684\u4e00\u90e8\u5206\uff0c\u4fdd\u6301\u5065\u5eb7\u3001\u5f9e\u8e0f\u5165\u8077\u5834\u5c31\u958b\u59cb\u4e86\u89e3\u91ab\u7642\u8207\u7167\u8b77\u8cc7\u6e90\uff0c\u9019\u5169\u4ef6\u4e8b\u5728\u8d85\u9ad8\u9f61\u793e\u6703\u53ea\u6703\u66f4\u91cd\u8981\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5be6\u52d9\u4e0a\u6211\u89ba\u5f97\u6700\u6709\u7528\u7684\u505a\u6cd5\uff0c\u662f\u628a\u91ab\u7642\u8207\u9577\u7167\u9810\u5099\u91d1\u7368\u7acb\u51fa\u4f86\uff0c\u653e\u5728\u9000\u4f11\u751f\u6d3b\u8cbb\u4e4b\u5916\uff0c\u4e0d\u8ddf\u65e5\u5e38\u63d0\u9818\u6df7\u7528\uff08\u6df7\u5728\u4e00\u8d77\uff0c\u5c31\u5f88\u96e3\u770b\u51fa\u54ea\u4e00\u7b46\u9322\u5df2\u7d93\u88ab\u9810\u652f\u4e86\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><a id=\"reason3\"><\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u539f\u56e0\u4e09\uff1a\u6295\u8cc7\u904e\u5ea6\u4fdd\u5b88\uff0c\u53ea\u653e\u5b9a\u5b58\u8ddf\u4e0d\u4e0a\u7269\u50f9<\/h2>\n\n<p class=\"wp-block-paragraph\">\u81fa\u7063\u9280\u884c\u4e00\u5e74\u671f\u5b9a\u671f\u5132\u84c4\u5b58\u6b3e\u56fa\u5b9a\u5229\u7387 1.725%<sup>[15]<\/sup>\uff0c2025 \u5e74\u6d88\u8cbb\u8005\u7269\u50f9\u6307\u6578\uff08consumer price index\uff0cCPI\uff09\u5e74\u589e 1.66%<sup>[16]<\/sup>\uff0c1.725\uff0d1.66\uff1d0.065\uff0c\u6263\u6389\u7269\u50f9\u5f8c\u7684\u5be6\u8cea\u5229\u7387\uff08real interest rate\uff09\u53ea\u5269\u7d04 0.07 \u500b\u767e\u5206\u9ede\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b9a\u5b58\u7684\u672c\u91d1\u4e0d\u6703\u6ce2\u52d5\uff0c\u6240\u4ee5\u5f88\u591a\u4eba\u628a\u9000\u4f11\u91d1\u5168\u90e8\u653e\u5728\u5b9a\u5b58\uff0c\u89ba\u5f97\u6700\u5b89\u5168\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\u9000\u4f11\u751f\u6d3b\u53ef\u80fd\u9577\u9054 20 \u5e74\u4ee5\u4e0a\uff0c\u9322\u7684\u8cfc\u8cb7\u529b\uff08purchasing power\uff09\u6bcf\u5e74\u88ab\u7269\u50f9\u5403\u6389\u4e00\u9ede\uff0c\u5047\u8a2d\u7269\u50f9\u6bcf\u5e74\u90fd\u6f32 1.66%\uff0c100 \u842c\u5143\u4e8c\u5341\u5e74\u5f8c\u7684\u8cfc\u8cb7\u529b\u662f 100\u00f71.0166\u00b2\u2070\u2248100\u00f71.39\u224871.9 \u842c\u5143\uff08\u8a66\u7b97\uff09\uff0c\u5c11\u4e86\u7d04 28 \u842c\u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7dad\u514b\u591a\uff0e\u54c8\u683c\u6f22\u5c3c\uff08Victor Haghani\uff09\u662f\u9577\u671f\u8cc7\u672c\u7ba1\u7406\u516c\u53f8\uff08Long-Term Capital Management\uff0cLTCM\uff09\u7684\u5275\u59cb\u5408\u5925\u4eba\uff0c2018 \u5e74\u9019\u500b\u984c\u76ee\u5f15\u7528\u904e\u4ed6\u7684\u4e09\u9ede\u5efa\u8b70\uff1a\u76e1\u91cf\u591a\u5b58\u9322\u3001\u628a\u9322\u653e\u9032\u4f4e\u6210\u672c\u7684\u5168\u7403\u80a1\u7968\u6307\u6578\u57fa\u91d1\uff08index fund\uff09\u3001\u9577\u671f\u6301\u6709\u5230\u9000\u4f11\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u4e09\u9ede\u7684\u7cbe\u795e\u5230\u4eca\u5929\u4ecd\u7136\u9069\u7528\uff08\u8aaa\u5be6\u5728\uff0c\u4e00\u4f4d\u7d93\u6b77\u904e LTCM \u7684\u4eba\u7d66\u51fa\u9019\u9ebc\u6a38\u7d20\u7684\u5efa\u8b70\uff0c\u672c\u8eab\u5c31\u883b\u6709\u8aaa\u670d\u529b\uff09\uff0c\u5dee\u5225\u5728\u65bc\u9000\u4f11\u524d\u5f8c\u8981\u4f9d\u5e74\u9f61\u8207\u6295\u8cc7\u671f\u9593\uff0c\u8abf\u6574\u80a1\u7968\u8207\u50b5\u5238\u7684\u6bd4\u91cd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u907f\u514d\u4e0b\u6d41\u8001\u4eba\uff0c\u8981\u540c\u6642\u907f\u958b\u5169\u7a2e\u98a8\u96aa\uff0c\u77ed\u671f\u7684\u50f9\u683c\u6ce2\u52d5\uff0c\u4ee5\u53ca\u9577\u671f\u7684\u8cfc\u8cb7\u529b\u6d41\u5931\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u80a1\u7968\u3001\u50b5\u5238\u8207\u73fe\u91d1\u5728\u8cc7\u7522\u914d\u7f6e\uff08asset allocation\uff09\u88e1\u5404\u81ea\u626e\u6f14\u4ec0\u9ebc\u89d2\u8272\u3001\u4e0d\u540c\u5e74\u9f61\u600e\u9ebc\u914d\uff0c\u5728 <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=840\">\u8cc7\u7522\u914d\u7f6e\u662f\u4ec0\u9ebc\uff1f\u4f9d\u5e74\u9f61\u8207\u6295\u8cc7\u671f\u9593\u7684\u914d\u7f6e\u5c0d\u7167\u8868<\/a> \u6709\u4e00\u5f35\u5c0d\u7167\u8868\u3002\u6295\u8cc7\u6d89\u53ca\u98a8\u96aa\uff0c\u904e\u53bb\u7e3e\u6548\u4e0d\u4ee3\u8868\u672a\u4f86\u8868\u73fe\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><a id=\"reason4\"><\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u539f\u56e0\u56db\uff1a\u6c92\u6709\u5148\u7b97\u7f3a\u53e3\uff0c\u5b58\u591a\u5c11\u90fd\u6c92\u6709\u628a\u63e1<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u7f3a\u53e3\uff08retirement gap\uff09\uff1d\uff08\u9000\u4f11\u5f8c\u6bcf\u6708\u9700\u8981\u7684\u751f\u6d3b\u8cbb\uff0d\u6bcf\u6708\u53ef\u9818\u7684\u5e74\u91d1\uff09\u00d712\u00d7\u9000\u4f11\u5f8c\u8981\u904e\u7684\u5e74\u6578\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6c92\u6709\u5148\u7b97\u9019\u4e00\u984c\uff0c\u5c31\u4e0d\u77e5\u9053\u81ea\u5df1\u8a72\u5b58\u591a\u5c11\u3001\u8a72\u5f9e\u5e7e\u6b72\u958b\u59cb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6700\u7c21\u55ae\u7684\u4f8b\u5b50\u662f\u9000\u4f11\u5f8c\u6bcf\u6708\u9700\u8981 5 \u842c\u5143\uff0c\u5e74\u91d1\u53ef\u652f\u61c9 3 \u842c\u5143\uff0c50,000\uff0d30,000\uff1d20,000\uff0c\u6bcf\u6708\u5c31\u6709 2 \u842c\u5143\u7684\u7f3a\u53e3\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5957\u5230\u6708\u85aa 10 \u842c\u5143\u7684\u8a66\u7b97\uff0c\u5e74\u91d1\u7d04 36,873 \u5143\uff0c\u82e5\u9000\u4f11\u5f8c\u60f3\u7dad\u6301\u6bcf\u6708 6 \u842c\u5143\u7684\u751f\u6d3b\uff0c60,000\uff0d36,873\uff1d23,127\uff0c\u6bcf\u6708\u7f3a\u53e3\u7d04 2.3 \u842c\u5143\uff0c\u4e00\u5e74\u662f 23,127\u00d712\uff1d277,524 \u5143\uff1b\u52de\u9000\u9818\u5b8c\u4e4b\u5f8c\uff0c60,000\uff0d24,847\uff1d35,153\uff0c\u7f3a\u53e3\u64f4\u5927\u5230\u7d04 3.5 \u842c\u5143\uff08\u8a66\u7b97\uff0c\u4e0d\u542b\u901a\u81a8\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u300c\u8d8a\u65e9\u5132\u84c4\u8d8a\u597d\u300d\u4e5f\u662f 2018 \u5e74\u5c31\u5beb\u904e\u7684\u5efa\u8b70\uff0c\u5f9e\u7b2c\u4e00\u4efd\u85aa\u6c34\u958b\u59cb\u56fa\u5b9a\u5b58\u4e0b\u7d04 10%\uff0c\u9019\u500b\u7fd2\u6163\u7684\u50f9\u503c\uff0c\u8981\u5728\u7b97\u5b8c\u7f3a\u53e3\u4e4b\u5f8c\u624d\u770b\u5f97\u6e05\u695a\uff0c\u7562\u7adf\u7f3a\u53e3\u8d8a\u65e9\u77e5\u9053\uff0c\u6bcf\u6708\u8981\u5b58\u7684\u91d1\u984d\u8d8a\u5c0f\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b97\u51fa\u7f3a\u53e3\uff0c\u624d\u77e5\u9053\u8981\u5b58\u591a\u5c11\u3001\u600e\u9ebc\u914d\u7f6e\u3001\u5e7e\u6b72\u53ef\u4ee5\u9000\u4f11\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">40 \u6b72\u300150 \u6b72\u4e0d\u540c\u5e74\u9f61\u7684\u7f3a\u53e3\u8a66\u7b97\u8207\u88dc\u6cd5\uff0c\u5728 <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3\uff1a\u52de\u4fdd\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff1f<\/a> \u4e00\u7bc7\u7b97\u5b8c\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u4e0b\u6d41\u8001\u4eba\u6700\u53ef\u6015\u7684\u5730\u65b9\uff0c\u662f\u5b83\u4f86\u5f97\u5f88\u6162\uff0c\u6162\u5230\u6bcf\u4e00\u5e74\u770b\u8d77\u4f86\u90fd\u9084\u904e\u5f97\u53bb\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u5f97\u6700\u4f4e\u5169\u6210\u7684\u9ad8\u9f61\u5bb6\u5ead\u6bcf\u5e74\u5c11 3.5 \u842c\u5143\uff0c\u63db\u6210\u6bcf\u6708\u662f 34,995\u00f712\u22482,916 \u5143\uff0c\u5f88\u5c11\u4eba\u6703\u70ba\u9019\u500b\u6578\u5b57\u7dca\u5f35\uff1b\u4e0d\u904e\u5b58\u6b3e\u662f\u4e00\u6b21\u6027\u7684\uff0c\u751f\u6d3b\u8cbb\u662f\u6bcf\u500b\u6708\u7684\uff0c\u524d\u8005\u7528\u5b8c\u5c31\u6c92\u6709\u4e86\uff0c\u5f8c\u8005\u8981\u6490\u5230\u6700\u5f8c\u4e00\u5929\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u6211\u770b\u9019\u500b\u984c\u76ee\uff0c\u6bd4\u8f03\u5728\u610f\u7684\u662f\u5de5\u4f5c\u671f\u9593\u505a\u4e86\u4ec0\u9ebc\uff0c\u8001\u5f8c\u8ca7\u7aae\u591a\u534a\u5728\u90a3\u6642\u5019\u5c31\u57cb\u4e0b\u539f\u56e0\uff0c\u5e74\u91d1\u3001\u91ab\u7642\u3001\u914d\u7f6e\u8207\u7f3a\u53e3\u56db\u4ef6\u4e8b\uff0c\u53ea\u8981\u6709\u4e00\u4ef6\u6c92\u7b97\u6e05\u695a\uff0c\u6642\u9593\u5230\u4e86\u5c31\u6703\u8b8a\u6210\u5b58\u6b3e\u5728\u88dc\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6708\u85aa 10 \u842c\u5143\u7684\u66ff\u4ee3\u7387\u53ea\u6709\u7d04 37%\uff0c\u9019\u500b\u6578\u5b57\u6bd4\u591a\u6578\u4eba\u60f3\u50cf\u7684\u4f4e\uff0c\u6536\u5165\u9ad8\u7684\u4eba\u53cd\u800c\u6700\u5bb9\u6613\u9ad8\u4f30\u5236\u5ea6\u80fd\u7d66\u7684\u90a3\u4e00\u4efd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u52de\u4fdd\u672a\u4f86\u6703\u600e\u9ebc\u6539\uff0c\u6211\u4e0d\u77e5\u9053\uff0c\u6c92\u6709\u4eba\u77e5\u9053\uff1b\u81ea\u5df1\u6e96\u5099\u7684\u90a3\u4e00\u4efd\uff0c\u5012\u662f\u8d8a\u65e9\u958b\u59cb\u8d8a\u8f15\u9b06\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u65e9\u4e00\u9ede\u7b97\uff0c\u5c31\u5c11\u4e00\u9ede\u6015\u3002<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Time is your friend, impulse is your enemy.\n\u6642\u9593\u662f\u4f60\u7684\u670b\u53cb\uff0c\u885d\u52d5\u5247\u662f\u4f60\u7684\u6575\u4eba\u3002\n\u2014 \u7d04\u7ff0\uff0e\u67cf\u683c\uff08John Bogle\uff09\uff0c\u300aThe Clash of the Cultures: Investment vs. Speculation\u300b<sup>[18]<\/sup><\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\"><a id=\"faq\"><\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u4e0b\u6d41\u8001\u4eba\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u4e0b\u6d41\u8001\u4eba\u662f\u65e5\u672c\u793e\u6703\u798f\u7949\u58eb\u85e4\u7530\u5b5d\u5178\u5728 2015 \u5e74\u8457\u4f5c\u300a\u4e0b\u6d41\u8001\u4eba\u300b\u4e2d\u63d0\u51fa\u7684\u8a5e\uff0c\u6307\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u6c92\u6709\u53ef\u4f9d\u9760\u7684\u4eba\uff0c\u751f\u6d3b\u6c34\u6e96\u843d\u5728\u793e\u6703\u6551\u52a9\u6a19\u6e96\u9644\u8fd1\uff0c\u6216\u6709\u843d\u5165\u4e4b\u865e\u7684\u9577\u8005<sup>[1]<\/sup>\u3002\u300c\u4e0b\u6d41\u300d\u8b1b\u7684\u662f\u751f\u6d3b\u968e\u5c64\u5f80\u4e0b\u6389\uff0c\u8ddf\u54c1\u884c\u7121\u95dc\uff08\u9019\u500b\u8a5e\u5728\u4e2d\u6587\u88e1\u5f88\u5bb9\u6613\u88ab\u8aa4\u6703\uff09\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u53f0\u7063\u6703\u51fa\u73fe\u4e0b\u6d41\u8001\u4eba\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u98a8\u96aa\u5df2\u7d93\u5728\u773c\u524d\u4e86\u3002\u53f0\u7063 2025 \u5e74\u5e95 65 \u6b72\u4ee5\u4e0a\u4eba\u53e3\u5360 20.06%\uff0c\u5df2\u9032\u5165\u8d85\u9ad8\u9f61\u793e\u6703<sup>[4]<\/sup>\uff1b2025 \u5e74\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u5e73\u5747\u6708\u9818 19,312 \u5143\uff0c\u8d85\u904e\u4e00\u534a\u7684\u4eba\u6708\u9818\u4e0d\u5230 2 \u842c\u5143<sup>[9]<\/sup>\uff1b\u6240\u5f97\u6700\u4f4e\u5169\u6210\u7684 65 \u6b72\u4ee5\u4e0a\u5bb6\u5ead\uff0c\u6bcf\u5e74\u6d88\u8cbb\u652f\u51fa\u6bd4\u53ef\u652f\u914d\u6240\u5f97\u591a\u7d04 3.5 \u842c\u5143<sup>[10]<\/sup>\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u600e\u9ebc\u907f\u514d\u6210\u70ba\u4e0b\u6d41\u8001\u4eba\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5148\u7b97\u51fa\u81ea\u5df1\u7684\u6240\u5f97\u66ff\u4ee3\u7387\u8207\u9000\u4f11\u7f3a\u53e3\uff0c\u518d\u5f9e\u56db\u500b\u65b9\u5411\u88dc\uff1a\u7528\u52de\u9000\u81ea\u63d0\u7d2f\u7a4d\u7a05\u524d\u9000\u4f11\u91d1\u3001\u628a\u91ab\u7642\u8207\u9577\u7167\u9810\u5099\u91d1\u7368\u7acb\u51fa\u4f86\u3001\u4f9d\u5e74\u9f61\u505a\u80a1\u50b5\u8cc7\u7522\u914d\u7f6e\u800c\u4e0d\u53ea\u653e\u5b9a\u5b58\u3001\u8d8a\u65e9\u958b\u59cb\u56fa\u5b9a\u5132\u84c4\u3002\u7f3a\u53e3\u600e\u9ebc\u7b97\uff0c\u5728 <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a> \u6709\u5b8c\u6574\u7684\u8a66\u7b97\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u4e0b\u6d41\u8001\u4eba\u7684\u539f\u56e0\u6709\u54ea\u4e9b\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u85e4\u7530\u5b5d\u5178\u6b78\u7d0d\u7684\u5171\u540c\u7279\u5fb5\u662f\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u8eab\u908a\u7121\u4eba\u53ef\u4f9d\u3002\u653e\u5230\u53f0\u7063\u7684\u8655\u5883\uff0c\u5e38\u898b\u539f\u56e0\u6709\u56db\u500b\uff0c\u52de\u4fdd\u8207\u52de\u9000\u7684\u6240\u5f97\u66ff\u4ee3\u7387\u4e0d\u8db3\u3001\u91ab\u7642\u8207\u9577\u7167\u652f\u51fa\u3001\u53ea\u653e\u5b9a\u5b58\u8ddf\u4e0d\u4e0a\u7269\u50f9\uff0c\u4ee5\u53ca\u6c92\u6709\u5148\u7b97\u9000\u4f11\u7f3a\u53e3\uff0c\u56db\u500b\u88e1\u9762\u6211\u89ba\u5f97\u6700\u5e38\u88ab\u5ffd\u7565\u7684\u662f\u6700\u5f8c\u4e00\u500b\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5ef6\u4f38\u95b1\u8b80<\/h2>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3\uff1a\u52de\u4fdd\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff1f40\u300150\u6b72\u9000\u4f11\u8a66\u7b97<\/a>\uff1a\u9069\u5408\u60f3\u77e5\u9053\u81ea\u5df1\u9000\u4f11\u5f8c\u6bcf\u6708\u9084\u5dee\u591a\u5c11\u7684\u4eba\u3002<\/li>\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14465\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u3001\u570b\u4fdd\u8a66\u7b97\u8207\u6240\u5f97\u66ff\u4ee3\u7387<\/a>\uff1a\u9069\u5408\u60f3\u5148\u7b97\u51fa\u81ea\u5df1\u80fd\u9818\u591a\u5c11\u5e74\u91d1\u7684\u4eba\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u554f\u984c\u93c8\u7cfb\u5217<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u4e0b\u6d41\u8001\u4eba\u662f\u4ec0\u9ebc\uff1f\u53f0\u7063\u9000\u4f11\u8ca7\u7aae\u7684 4 \u500b\u539f\u56e0\u8207\u907f\u514d\u65b9\u6cd5<\/li>\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14465\">\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u3001\u570b\u4fdd\u8a66\u7b97\u8207\u6240\u5f97\u66ff\u4ee3\u7387<\/a><\/li>\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13072\">\u52de\u4fdd\u6708\u9000\u91d1\u8a66\u7b97\uff1a45800 \u5143\u6700\u9ad8\u7d1a\u8ddd\u80fd\u9818\u591a\u5c11\uff1f<\/a><\/li>\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u5de5\u9000\u4f11\u91d1\u600e\u9ebc\u7b97\uff1f\u52de\u9000\u65b0\u5236\u8a66\u7b97\u3001\u8acb\u9818\u8207\u4e00\u6b21\u9818\u6708\u9818\u53d6\u6368<\/a><\/li>\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3\uff1a\u52de\u4fdd\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff1f<\/a><\/li>\n<li><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14449\">\u9000\u4f11\u91d1\u8981\u7e73\u7a05\u55ce\uff1f\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u4e00\u6b21\u9818\u8207\u6708\u9818\u7684\u6240\u5f97\u7a05\u7b97\u6cd5<\/a><\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">\u7acb\u5373\u555f\u52d5\u500b\u4eba\u8ca1\u5bcc\u8a08\u756b<\/h2>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/urli.ai\/line\/jOAm2Tj0\">\u514d\u8cbb\u8a3b\u518a\u963f\u723e\u767c\u6703\u54e1<\/a><\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/urli.ai\/line\/XpZpxkKi\">\u7acb\u5373\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9Line@<\/a><\/p>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"\u4e0b\u6d41\u8001\u4eba\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\u4e0b\u6d41\u8001\u4eba\u662f\u65e5\u672c\u793e\u6703\u798f\u7949\u58eb\u85e4\u7530\u5b5d\u5178\u5728 2015 \u5e74\u8457\u4f5c\u300a\u4e0b\u6d41\u8001\u4eba\u300b\u4e2d\u63d0\u51fa\u7684\u8a5e\uff0c\u6307\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u6c92\u6709\u53ef\u4f9d\u9760\u7684\u4eba\uff0c\u751f\u6d3b\u6c34\u6e96\u843d\u5728\u793e\u6703\u6551\u52a9\u6a19\u6e96\u9644\u8fd1\uff0c\u6216\u6709\u843d\u5165\u4e4b\u865e\u7684\u9577\u8005<sup>[1]<\/sup>\u3002\u300c\u4e0b\u6d41\u300d\u8b1b\u7684\u662f\u751f\u6d3b\u968e\u5c64\u5f80\u4e0b\u6389\uff0c\u8ddf\u54c1\u884c\u7121\u95dc\uff08\u9019\u500b\u8a5e\u5728\u4e2d\u6587\u88e1\u5f88\u5bb9\u6613\u88ab\u8aa4\u6703\uff09\u3002\"}}, {\"@type\": \"Question\", \"name\": \"\u53f0\u7063\u6703\u51fa\u73fe\u4e0b\u6d41\u8001\u4eba\u55ce\uff1f\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\u6211\u89ba\u5f97\u98a8\u96aa\u5df2\u7d93\u5728\u773c\u524d\u4e86\u3002\u53f0\u7063 2025 \u5e74\u5e95 65 \u6b72\u4ee5\u4e0a\u4eba\u53e3\u5360 20.06%\uff0c\u5df2\u9032\u5165\u8d85\u9ad8\u9f61\u793e\u6703<sup>[4]<\/sup>\uff1b2025 \u5e74\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u5e73\u5747\u6708\u9818 19,312 \u5143\uff0c\u8d85\u904e\u4e00\u534a\u7684\u4eba\u6708\u9818\u4e0d\u5230 2 \u842c\u5143<sup>[9]<\/sup>\uff1b\u6240\u5f97\u6700\u4f4e\u5169\u6210\u7684 65 \u6b72\u4ee5\u4e0a\u5bb6\u5ead\uff0c\u6bcf\u5e74\u6d88\u8cbb\u652f\u51fa\u6bd4\u53ef\u652f\u914d\u6240\u5f97\u591a\u7d04 3.5 \u842c\u5143<sup>[10]<\/sup>\u3002\"}}, {\"@type\": \"Question\", \"name\": \"\u600e\u9ebc\u907f\u514d\u6210\u70ba\u4e0b\u6d41\u8001\u4eba\uff1f\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": 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\"\u85e4\u7530\u5b5d\u5178\u6b78\u7d0d\u7684\u5171\u540c\u7279\u5fb5\u662f\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u8eab\u908a\u7121\u4eba\u53ef\u4f9d\u3002\u653e\u5230\u53f0\u7063\u7684\u8655\u5883\uff0c\u5e38\u898b\u539f\u56e0\u6709\u56db\u500b\uff0c\u52de\u4fdd\u8207\u52de\u9000\u7684\u6240\u5f97\u66ff\u4ee3\u7387\u4e0d\u8db3\u3001\u91ab\u7642\u8207\u9577\u7167\u652f\u51fa\u3001\u53ea\u653e\u5b9a\u5b58\u8ddf\u4e0d\u4e0a\u7269\u50f9\uff0c\u4ee5\u53ca\u6c92\u6709\u5148\u7b97\u9000\u4f11\u7f3a\u53e3\uff0c\u56db\u500b\u88e1\u9762\u6211\u89ba\u5f97\u6700\u5e38\u88ab\u5ffd\u7565\u7684\u662f\u6700\u5f8c\u4e00\u500b\u3002\"}}]}<\/script>\n\n\n<div class=\"wp-block-group alignfull has-text-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"color:#000000;background-color:#ffffff\">\n<style>\n\/* --- \u9810\u8a2d\uff1a\u624b\u6a5f\u7248\u5c3a\u5bf8 (\u5c0f\u87a2\u5e55) --- *\/\n.rwd-heading {\n    font-size: 32px !important;\n    margin-bottom: 24px 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style=\"border-radius:50px;color:#ffffff;background-color:#006ece;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u514d\u8cbb\u8a3b\u518a\u963f\u723e\u767c\u6703\u54e1<\/a>\n    <\/div>\n\n    <div class=\"wp-block-button rwd-btn-wrapper\">\n        <a class=\"wp-block-button__link has-text-color has-background wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u7acb\u5373\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9Line@<\/a>\n    <\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>[1] \u85e4\u7530\u5b5d\u5178\uff082015\uff09\u3002\u4e0b\u6d41\u8001\u4eba\uff1a\u4e00\u5104\u7dcf\u8001\u5f8c\u5d29\u58ca\u306e\u885d\u6483\u3002\u671d\u65e5\u65b0\u805e\u51fa\u7248\u3002<\/li>\n<li>[2] \u85e4\u7530\u5b5d\u5178\uff082016\uff09\u3002\u4e0b\u6d41\u8001\u4eba\uff1a\u5373\u4f7f\u6708\u85aa5\u842c\uff0c\u6211\u5011\u4ecd\u5c07\u53c8\u8001\u53c8\u7aae\u53c8\u5b64\u7368\uff08\u5433\u6021\u6587\u8b6f\uff09\u3002\u5982\u679c\u51fa\u7248\u3002<\/li>\n<li>[3] \u539a\u751f\u52b4\u50cd\u7701\uff082026\u5e749\u67082\u65e5\uff09\u3002\u88ab\u4fdd\u8b77\u8005\u8abf\u67fb\uff08\u4ee4\u548c8\u5e746\u6708\u5206\u6982\u6570\uff09\u3002https:\/\/www.mhlw.go.jp\/toukei\/saikin\/hw\/hihogosya\/m2026\/dl\/06-01.pdf<\/li>\n<li>[4] \u806f\u5408\u65b0\u805e\u7db2\uff082026\u5e741\u67089\u65e5\uff09\u300265\u6b72\u4ee5\u4e0a\u9577\u8005\u7834\u5169\u6210 \u53f0\u7063\u6b63\u5f0f\u9081\u5165\u8d85\u9ad8\u9f61\u793e\u6703\u3002https:\/\/udn.com\/news\/story\/7266\/9254576<\/li>\n<li>[5] Pan, T.-Y., &amp; Huang, F. (2026, August 28). Taiwan&#8217;s population projected to nearly halve by 2075: NDC. <em>Focus Taiwan<\/em>. https:\/\/focustaiwan.tw\/business\/202608280018<\/li>\n<li>[6] \u5167\u653f\u90e8\uff082026\u5e748\u670824\u65e5\uff09\u3002114\u5e74\u570b\u4eba\u5e73\u5747\u58fd\u547d81.27\u6b72\uff0c\u8f03\u4e0a\u5e74\u589e\u52a00.50\u6b72\u3002https:\/\/www.moi.gov.tw\/News_Content.aspx?n=4&amp;s=340439<\/li>\n<li>[7] \u885b\u751f\u798f\u5229\u90e8\u7d71\u8a08\u8655\uff082026\u5e748\u670817\u65e5\uff09\u3002\u5065\u5eb7\u5e73\u5747\u9918\u547d\u6307\u6a19\u8cc7\u6599\u8868\u3002https:\/\/dep.mohw.gov.tw\/DOS\/cp-5082-55400-113.html<\/li>\n<li>[8] \u5167\u653f\u90e8\uff082025\u5e748\u670823\u65e5\uff09\u3002113\u5e74\u570b\u4eba\u5e73\u5747\u58fd\u547d80.77\u6b72\uff0c\u8f03\u4e0a\u5e74\u589e\u52a00.54\u6b72\u3002https:\/\/www.moi.gov.tw\/News_Content.aspx?n=4&amp;s=330934<\/li>\n<li>[9] \u53f0\u7063\u82f1\u6587\u65b0\u805e\uff082026\u5e742\u670825\u65e5\uff09\u3002\u53f0\u7063201\u842c\u52de\u5de5\u9818\u52de\u4fdd\u8001\u5e74\u5e74\u91d1 \u534a\u6578\u6708\u9818\u4e0d\u52302\u842c\u5143\u3002https:\/\/www.taiwannews.com.tw\/zh\/news\/6308471<\/li>\n<li>[10] \u884c\u653f\u9662\u4e3b\u8a08\u7e3d\u8655\uff082026\uff09\u3002\u5bb6\u5ead\u6536\u652f\u8abf\u67e5\uff1a\u5e73\u5747\u6bcf\u6236\u53ef\u652f\u914d\u6240\u5f97\u53ca\u6d88\u8cbb\u652f\u51fa\u4f9d\u53ef\u652f\u914d\u6240\u5f97\u6309\u6236\u6578\u4e94\u7b49\u5206\u4f4d\u5206\u53ca\u7d93\u6fdf\u6236\u9577\u5e74\u9f61\u7d44\u5225\u5206\uff082025 \u5e74\uff09\u3014\u8cc7\u6599\u96c6\u3015\u3002\u653f\u5e9c\u8cc7\u6599\u958b\u653e\u5e73\u81fa\u3002https:\/\/data.gov.tw\/dataset\/108265<\/li>\n<li>[11] \u52de\u52d5\u90e8\uff082025\u5e7411\u670828\u65e5\uff09\u3002\u56e0\u61c9\u6295\u4fdd\u85aa\u8cc7\uff08\u6708\u63d0\u7e73\uff09\u5206\u7d1a\u8868\u4fee\u6b63\uff0c\u52de\u4fdd\u5c40\u4e3b\u52d5\u8fa6\u7406\u6295\u4fdd\u85aa\u8cc7\u53ca\u63d0\u7e73\u5de5\u8cc7\u9015\u8abf\u4f5c\u696d\u3002https:\/\/www.mol.gov.tw\/1607\/1632\/1633\/86680\/<\/li>\n<li>[12] International Labour Organization. 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C. (2012). <em>The clash of the cultures: Investment vs. speculation<\/em> (Rule 2: Time is your friend, impulse is your enemy). John Wiley &amp; Sons.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">\u91cd\u8981\u8072\u660e<\/h2>\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u7531\u963f\u723e\u767c\u8b49\u5238\u6295\u8cc7\u9867\u554f\u80a1\u4efd\u6709\u9650\u516c\u53f8\u7de8\u88fd\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u4e0d\u69cb\u6210\u4efb\u4f55\u91d1\u878d\u5546\u54c1\u4e4b\u8981\u7d04\u3001\u62db\u652c\u6216\u63a8\u4ecb\uff0c\u4ea6\u975e\u91dd\u5c0d\u7279\u5b9a\u6295\u8cc7\u4eba\u4e4b\u500b\u5225\u6295\u8cc7\u5efa\u8b70\uff1b\u6295\u8cc7\u4eba\u61c9\u4f9d\u81ea\u8eab\u8ca1\u52d9\u72c0\u6cc1\u3001\u6295\u8cc7\u76ee\u6a19\u8207\u98a8\u96aa\u627f\u53d7\u5ea6\u5be9\u614e\u8a55\u4f30\uff0c\u4e26\u81ea\u884c\u627f\u64d4\u6295\u8cc7\u98a8\u96aa\u3002\u6587\u4e2d\u8a66\u7b97\u70ba\u5047\u8a2d\u689d\u4ef6\u4e0b\u4e4b\u7d50\u679c\uff0c\u975e\u5c0d\u672a\u4f86\u4e4b\u9810\u6e2c\u6216\u4fdd\u8b49\u3002\u904e\u53bb\u7e3e\u6548\u4e0d\u4ee3\u8868\u672a\u4f86\u8868\u73fe\u3002\u963f\u723e\u767c\u8b49\u5238\u6295\u8cc7\u9867\u554f\u80a1\u4efd\u6709\u9650\u516c\u53f8\u3000115\u91d1\u7ba1\u6295\u9867\u65b0\u5b57\u7b2c019\u865f<\/p>","protected":false},"excerpt":{"rendered":"<p>\u4e0b\u6d41\u8001\u4eba\u6307\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u7121\u4eba\u53ef\u4f9d\u7684\u8ca7\u7aae\u9577\u8005\u3002\u53f0\u7063\u5df2\u662f\u8d85\u9ad8\u9f61\u793e\u6703\uff0c\u52de\u4fdd\u5e73\u5747\u6708\u98181.9\u842c\uff0c4\u500b\u539f\u56e0\u8207\u907f\u514d\u65b9\u6cd5\u3002<\/p>\n","protected":false},"author":3,"featured_media":17189,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"\u4e0b\u6d41\u8001\u4eba\u6307\u6536\u5165\u5c11\u3001\u5b58\u6b3e\u5c11\u3001\u7121\u4eba\u53ef\u4f9d\u7684\u8ca7\u7aae\u9577\u8005\u3002\u53f0\u7063\u5df2\u662f\u8d85\u9ad8\u9f61\u793e\u6703\uff0c\u52de\u4fdd\u5e73\u5747\u6708\u98181.9\u842c\uff0c4\u500b\u539f\u56e0\u8207\u907f\u514d\u65b9\u6cd5\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":[16],"tags":[73,854,855,852,853,856,857,859,858,897],"class_list":["post-17099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-16","tag-73","tag-854","tag-855","tag-852","tag-853","tag-856","tag-857","tag-859","tag-858","tag-897"],"blocksy_meta":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/00-cover-19.png","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/17099","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=17099"}],"version-history":[{"count":6,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/17099\/revisions"}],"predecessor-version":[{"id":17622,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/17099\/revisions\/17622"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/17189"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}