{"id":17530,"date":"2026-10-19T16:11:55","date_gmt":"2026-10-19T08:11:55","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=17530"},"modified":"2026-10-19T16:11:55","modified_gmt":"2026-10-19T08:11:55","slug":"%e6%8a%95%e8%b3%87%e7%b5%84%e5%90%88%e7%af%84%e4%be%8b%ef%bc%9a10%e8%90%ac%e5%88%b0100%e8%90%acetf%e6%80%8e%e9%ba%bc%e9%85%8d%ef%bc%9f5%e7%a8%ae%e8%82%a1%e5%82%b5%e5%b0%8d%e7%85%a7%e8%a1%a8","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=17530","title":{"rendered":"\u6295\u8cc7\u7d44\u5408\u7bc4\u4f8b\uff1a10\u842c\u5230100\u842cETF\u600e\u9ebc\u914d\uff1f5\u7a2e\u80a1\u50b5\u5c0d\u7167\u8868"},"content":{"rendered":"<p class=\"wp-block-paragraph\">100 \u842c\u5143\u653e\u516b\u6210\u80a1\u7968\u3001\u5169\u6210\u50b5\u5238\uff0c\u6b77\u53f2\u4e0a\u6700\u5dee\u7684\u4e00\u5e74\u5e33\u9762\u7d04\u5c11 35 \u842c\u5143\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u662f Vanguard \u7528 1928\u20132025 \u5e74\u8cc7\u6599\u7b97\u51fa\u4f86\u7684\uff0c80\uff0f20 \u80a1\u50b5\u7d44\u5408\u5e73\u5747\u5e74\u5831\u916c 10.4%\uff0c\u6700\u5dee\u7684\u4e00\u5e74\u8dcc 35.1%\uff0c60\uff0f40 \u5247\u662f 9.1% \u8207 \u221226.9%<sup>[1]<\/sup>\u3002\u6240\u4ee5\u6311\u6295\u8cc7\u7d44\u5408\u7bc4\u4f8b\u4e4b\u524d\uff0c\u8981\u5148\u6c7a\u5b9a\u7684\u662f\u80a1\u50b5\u6bd4\u4f8b\uff0c\u91d1\u984d\u662f 10 \u842c\u9084\u662f 100 \u842c\uff0c\u6539\u8b8a\u7684\u53ea\u662f\u7528\u5e7e\u6a94\u3001\u600e\u9ebc\u8cb7\uff0c\u6bd4\u4f8b\u9084\u662f\u8ddf\u8457\u4f60\u80fd\u627f\u53d7\u7684\u6700\u5dee\u4e00\u5e74\u8d70\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6295\u8cc7\u7d44\u5408\u662f\u4ec0\u9ebc\uff1f\u548c\u8cc7\u7522\u914d\u7f6e\u5dee\u5728\u54ea\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6295\u8cc7\u7d44\u5408\uff08portfolio\uff09\u662f\u4f60\u6301\u6709\u7684\u5168\u90e8\u6295\u8cc7\uff0c\u80a1\u7968\u3001\u50b5\u5238\u3001\u57fa\u91d1\u3001ETF\u3001\u5b58\u6b3e\u90fd\u7b97\u5728\u5167\uff1b\u8cc7\u7522\u914d\u7f6e\u5247\u662f\u6c7a\u5b9a\u9019\u4e9b\u6771\u897f\u5404\u5360\u591a\u5c11\u7684\u904e\u7a0b\uff0c\u4f8b\u5982\u80a1\u7968 60%\u3001\u50b5\u5238 40%\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9806\u5e8f\u4e0a\u5148\u6709\u8cc7\u7522\u914d\u7f6e\uff0c\u624d\u6709\u6295\u8cc7\u7d44\u5408\uff0c\u6bd4\u4f8b\u5148\u5b9a\u597d\uff0c\u8cb7\u54ea\u5e7e\u6a94\u53ea\u662f\u7167\u6bd4\u4f8b\u57f7\u884c\uff0c\u7d44\u5408\u7684\u98a8\u96aa\u9ad8\u4f4e\u4e3b\u8981\u7531\u6bd4\u4f8b\u6c7a\u5b9a\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8981\u7d44\u5408\u7684\u539f\u56e0\u4e5f\u76f4\u63a5\uff0c\u628a\u9322\u5168\u653e\u5728\u4e00\u5bb6\u516c\u53f8\u7684\u80a1\u7968\uff0c\u516c\u53f8\u51fa\u4e8b\u5c31\u5168\u90e8\u53d7\u5f71\u97ff\uff0c\u5206\u6563\u5230\u4e0d\u540c\u570b\u5bb6\u3001\u7522\u696d\u8207\u8cc7\u7522\u4e4b\u5f8c\uff0c\u55ae\u4e00\u58de\u6d88\u606f\u5c0d\u6574\u9ad4\u7684\u885d\u64ca\u5c31\u5c0f\u5f97\u591a\u3002\u5206\u6563\u7684\u539f\u7406\u8207\u516c\u958b\u7814\u7a76\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\u5b8c\u6574\u8aaa\u660e\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u5efa\u7acb\u7a69\u5065\u7684\u6295\u8cc7\u7d44\u5408\uff1f\u4e09\u500b\u6b65\u9a5f<\/h2>\n\n<ol class=\"wp-block-list\">\n<li>\u78ba\u8a8d\u76ee\u6a19\u8207\u671f\u9650\uff1a\u9019\u7b46\u9322\u662f\u4e09\u5e74\u5f8c\u7684\u8cfc\u5c4b\u982d\u671f\u6b3e\uff0c\u9084\u662f\u4e8c\u5341\u5e74\u5f8c\u7684\u9000\u4f11\u91d1\uff1f\u671f\u9650\u8d8a\u77ed\uff0c\u8d8a\u627f\u53d7\u4e0d\u8d77\u5927\u8dcc\u4e4b\u5f8c\u7b49\u56de\u4f86\u7684\u6642\u9593\u3002<\/li>\n<li>\u6c7a\u5b9a\u80a1\u7968\u8207\u50b5\u5238\u7684\u6bd4\u4f8b\uff1a\u80a1\u7968\u662f\u9577\u671f\u6210\u9577\u7684\u4f86\u6e90\uff0c\u50b5\u5238\u7528\u4f86\u964d\u4f4e\u6ce2\u52d5\uff0c\u7f8e\u570b\u8b49\u7ba1\u6703\uff08SEC\uff09\u7684\u6295\u8cc7\u4eba\u6307\u5357\u628a\u914d\u7f6e\u7684\u4f9d\u64da\u6b78\u7d50\u70ba\u6295\u8cc7\u671f\u9593\u8207\u627f\u53d7\u98a8\u96aa\u7684\u80fd\u529b\u5169\u4ef6\u4e8b<sup>[2]<\/sup>\u3002<\/li>\n<li>\u5b9a\u671f\u6aa2\u8996\u3001\u518d\u5e73\u8861\uff1a\u5e02\u5834\u6f32\u8dcc\u6703\u8b93\u6bd4\u4f8b\u6162\u6162\u8dd1\u6389\uff0c\u4f8b\u5982\u539f\u672c\u80a1\u7968 60%\u3001\u50b5\u5238 40%\uff0c\u80a1\u5e02\u5927\u6f32\u4e00\u5e74\u5f8c\u53ef\u80fd\u8b8a\u6210 70\uff0f30\uff0c\u7d44\u5408\u7684\u98a8\u96aa\u5df2\u7d93\u6bd4\u7576\u521d\u8a2d\u5b9a\u7684\u9ad8\uff0c\u518d\u5e73\u8861\u5c31\u662f\u8ce3\u6389\u4e00\u90e8\u5206\u6f32\u591a\u7684\u3001\u8cb7\u9032\u843d\u5f8c\u7684\uff0c\u628a\u6bd4\u4f8b\u62c9\u56de\u539f\u672c\u7684\u76ee\u6a19\u3002<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\u6b65\u6700\u95dc\u9375\uff0c\u4e5f\u6700\u5e38\u88ab\u8df3\u904e\uff0c\u80a1\u50b5\u6bd4\u4f8b\u4e0d\u540c\uff0c\u6b77\u53f2\u4e0a\u6700\u597d\u8207\u6700\u5dee\u7684\u4e00\u5e74\u5dee\u8ddd\u5f88\u5927\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u80a1\u50b5\u6bd4\u4f8b\u5c0d\u7167\uff1a\u5e73\u5747\u5831\u916c\u3001\u6700\u597d\u8207\u6700\u5dee\u7684\u4e00\u5e74<\/h2>\n\n<p class=\"wp-block-paragraph\">Vanguard \u516c\u958b\u4e86 1928\u20132025 \u5e74 11 \u7a2e\u80a1\u50b5\u6bd4\u4f8b\u7684\u5e74\u5ea6\u5831\u916c\u7bc4\u570d<sup>[1]<\/sup>\uff0c\u80a1\u7968\u6bd4\u91cd\u8d8a\u9ad8\uff0c\u4e0a\u4e0b\u64fa\u52d5\u8d8a\u5927\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/\u80a1\u50b5\u6bd4\u4f8b\u5831\u916c\u7bc4\u570d.png\" alt=\"11 \u7a2e\u80a1\u50b5\u6bd4\u4f8b 1928 \u5230 2025 \u5e74\u7684\u5e73\u5747\u5e74\u5831\u916c\u3001\u6700\u597d\u8207\u6700\u5dee\u7684\u4e00\u5e74\uff0c\u80a1\u7968 100% \u6700\u5dee\u4e00\u5e74 \u221243.3%\uff0c\u50b5\u5238 100% \u6700\u5dee\u4e00\u5e74 \u221212.9%\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1aVanguard\uff0c\u4ee5 Morningstar \u8cc7\u6599\u8a08\u7b97\uff0c\u622a\u81f3 2025-12-31\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u91cd\u88fd\u3002\u80a1\u7968\u5728 1969 \u5e74\u4ee5\u524d\u70ba\u7f8e\u80a1\uff0c\u4e4b\u5f8c\u70ba\u7f8e\u80a1 60%\u3001\u570b\u969b\u80a1 40%\uff1b\u50b5\u5238\u5728 1990 \u5e74\u4ee5\u524d\u70ba\u7f8e\u50b5\uff0c\u4e4b\u5f8c\u70ba\u7f8e\u50b5 70%\u3001\u570b\u969b\u50b5 30%\uff08\u570b\u969b\u50b5\u70ba\u532f\u7387\u907f\u96aa\uff09\u3002\u7f8e\u5143\u8a08\u50f9\uff0c\u672a\u6263\u8cbb\u7528\u8207\u7a05\uff0c\u4e0d\u542b\u53f0\u5e63\u532f\u7387\u8b8a\u52d5\uff1b\u6307\u6578\u5831\u916c\u4e0d\u7b49\u65bc\u5be6\u969b\u53ef\u6295\u8cc7\u7684\u5831\u916c\uff0c\u904e\u53bb\u7e3e\u6548\u4e0d\u4ee3\u8868\u672a\u4f86\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u628a\u6700\u5dee\u7684\u4e00\u5e74\u63db\u6210 100 \u842c\u5143\uff0c\u5168\u80a1\u7968\u5c11 43.3 \u842c\uff0c80\uff0f20 \u5c11 35.1 \u842c\uff0c60\uff0f40 \u5c11 26.9 \u842c\uff0c50\uff0f50 \u5c11 22.8 \u842c\uff0c\u5c31\u7b97\u5168\u653e\u50b5\u5238\u4e5f\u5c11 12.9 \u842c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u7d44\u6578\u5b57\u9084\u6709\u4e09\u500b\u7279\u5fb5\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u80a1\u7968\u6bd4\u91cd\u6bcf\u591a 10 \u500b\u767e\u5206\u9ede\uff0c\u5e73\u5747\u5e74\u5831\u916c\u591a\u7d04 0.6\uff5e0.7 \u500b\u767e\u5206\u9ede\uff0c\u80a1\u7968\u5728 30% \u4ee5\u4e0a\u6642\uff0c\u6700\u5dee\u4e00\u5e74\u6bcf\u7d1a\u591a\u8dcc\u7d04 4 \u500b\u767e\u5206\u9ede\u3002<\/li>\n<li>\u5168\u50b5\u5238\u7684\u6700\u5dee\u4e00\u5e74\u4e5f\u6709 \u221212.9%\uff0c\u50b5\u5238\u4e0d\u7b49\u65bc\u4e0d\u6703\u8667\u640d\uff0c\u5229\u7387\u6025\u5347\u6642\u5c24\u5176\u660e\u986f\u3002<\/li>\n<li>\u6700\u5dee\u5e74\u5ea6\u662f\u300c\u4e00\u5e74\u4e4b\u5167\u300d\u7684\u6578\u5b57\uff0c\u8de8\u5e74\u9023\u7e8c\u4e0b\u8dcc\u53ef\u80fd\u66f4\u6df1\uff0c\u56de\u5230\u539f\u9ede\u7684\u6642\u9593\u4e5f\u53ef\u80fd\u8981\u597d\u5e7e\u5e74\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u9019\u7d44\u80a1\u50b5\u5c0d\u7167\u6578\u5b57\u51fa\u81ea Vanguard\uff08\u5148\u92d2\u9818\u822a\uff09\uff1b\u9019\u5bb6\u6307\u6578\u57fa\u91d1\u516c\u53f8\u70ba\u4ec0\u9ebc\u7531\u65d7\u4e0b\u57fa\u91d1\u7684\u6295\u8cc7\u4eba\u64c1\u6709\u3001\u8cbb\u7528\u7387\u600e\u9ebc\u4e00\u8def\u964d\u4f4e\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1781\">Vanguard \u662f\u4ec0\u9ebc\uff1f\u5148\u92d2\u9818\u822a\u7531\u65d7\u4e0b\u57fa\u91d1\u7684\u6295\u8cc7\u4eba\u64c1\u6709<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">5 \u7a2e ETF \u6295\u8cc7\u7d44\u5408\u7bc4\u4f8b\uff0c\u7528\u6307\u6578\u770b\u7d44\u6210\u8207\u98a8\u96aa<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4e94\u500b\u7bc4\u4f8b\u90fd\u662f\u5e38\u898b\u7684\u6559\u5b78\u60c5\u5883\uff0c\u7d44\u6210\u4ee5\u6307\u6578\u8aaa\u660e\uff0c\u4e0d\u6307\u5b9a\u500b\u5225 ETF \u6216\u57fa\u91d1\uff0c\u5b83\u5011\u662f<strong>\u6559\u5b78\u7528\u7684\u5047\u8a2d\u7bc4\u4f8b\uff0c\u4e0d\u662f\u963f\u723e\u767c\u7684\u914d\u7f6e\uff0c\u4e5f\u4e0d\u662f\u6295\u8cc7\u5efa\u8b70<\/strong>\u3002\u8ffd\u8e64\u540c\u4e00\u500b\u6307\u6578\u7684 ETF \u53ef\u80fd\u6709\u597d\u5e7e\u6a94\uff0c\u8cbb\u7528\u8207\u898f\u6a21\u5404\u4e0d\u76f8\u540c\uff0c\u9078\u6cd5\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\">ETF \u662f\u4ec0\u9ebc\uff1fETF \u600e\u9ebc\u8cb7\uff1f<\/a><\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/\u4e94\u7a2e\u7bc4\u4f8b\u80a1\u50b5\u6bd4\u4f8b.png\" alt=\"\u4e94\u500b\u6295\u8cc7\u7d44\u5408\u7bc4\u4f8b\u7684\u80a1\u50b5\u6bd4\u4f8b\uff0c10 \u842c\u53f0\u80a1\u8d77\u6b65\u70ba 100\uff0f0\uff0c30 \u842c\u8207 100 \u842c\u70ba 80\uff0f20\uff0c50 \u842c\u70ba 85\uff0f15\uff0c\u9000\u4f11\u73fe\u91d1\u6d41\u578b\u70ba 60\uff0f40\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u6700\u5dee\u4e00\u5e74\u53d6 Vanguard 1928\u20132025 \u5e74\u540c\u80a1\u50b5\u6bd4\u4f8b\u7684\u6578\u5b57\uff0c\u53ea\u7528\u4f86\u611f\u53d7\u91cf\u7d1a\uff1b\u8cc7\u6599\u4f86\u6e90\uff1aVanguard\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/em><\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u7bc4\u4f8b<\/th>\n<th>\u80a1\u50b5\u6bd4\u4f8b<\/th>\n<th>\u7d44\u6210\uff08\u4ee5\u6307\u6578\u70ba\u4f8b\uff09<\/th>\n<th>\u6700\u5dee\u4e00\u5e74\uff0c\u63db\u6210\u91d1\u984d\u7d04<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>10 \u842c\uff1a\u53f0\u80a1\u8d77\u6b65<\/td>\n<td>100\uff0f0<\/td>\n<td>\u81fa\u7063 50 \u6307\u6578 60%\u3001\u81fa\u7063\u9ad8\u80a1\u606f\u985e\u6307\u6578 40%<\/td>\n<td>\u5c11 4.3 \u842c\u4ee5\u4e0a<\/td>\n<\/tr>\n<tr>\n<td>30 \u842c\uff1a\u52a0\u5165\u6d77\u5916\u8207\u50b5\u5238<\/td>\n<td>80\uff0f20<\/td>\n<td>\u81fa\u7063 50 \u6307\u6578 50%\u3001NYSE FANG+ 30%\u3001\u7f8e\u570b 20 \u5e74\u671f\u4ee5\u4e0a\u516c\u50b5 20%<\/td>\n<td>\u5c11 10.5 \u842c<\/td>\n<\/tr>\n<tr>\n<td>50 \u842c\uff1a\u6838\u5fc3\u52a0\u885b\u661f<\/td>\n<td>85\uff0f15<\/td>\n<td>MSCI \u4e16\u754c 70%\u3001\u534a\u5c0e\u9ad4\u7522\u696d 15%\u3001\u5168\u7403\u7d9c\u5408\u50b5\u5238 15%<\/td>\n<td>\u5c11 17.6\uff5e19.6 \u842c<\/td>\n<\/tr>\n<tr>\n<td>100 \u842c\uff1a\u5168\u7403\u5206\u6563<\/td>\n<td>80\uff0f20<\/td>\n<td>\u7f8e\u570b\u6574\u9ad4\u5e02\u5834 45%\u3001\u5df2\u958b\u767c\u4e0d\u542b\u7f8e\u570b 25%\u3001\u5168\u7403\u4e0d\u542b\u7f8e\u570b\u4e0d\u52d5\u7522 10%\u3001\u5168\u7403\u7d9c\u5408\u50b5\u5238 20%<\/td>\n<td>\u5c11 35.1 \u842c<\/td>\n<\/tr>\n<tr>\n<td>\u9000\u4f11\u73fe\u91d1\u6d41\u578b\uff08100 \u842c\uff09<\/td>\n<td>60\uff0f40<\/td>\n<td>\u5168\u4e16\u754c\u4e0d\u542b\u7f8e\u570b\u9ad8\u80a1\u606f 30%\u3001\u81fa\u7063\u9ad8\u80a1\u606f\u985e 30%\u3001\u7f8e\u570b\u4e2d\u671f\u6295\u8cc7\u7b49\u7d1a\u516c\u53f8\u50b5 40%<\/td>\n<td>\u5c11 26.9 \u842c<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u6700\u5dee\u4e00\u5e74\u53d6 Vanguard 1928\u20132025 \u5e74\u540c\u80a1\u50b5\u6bd4\u4f8b\u7684\u6578\u5b57\u63db\u7b97\uff0c\u96c6\u4e2d\u5728\u55ae\u4e00\u5e02\u5834\u6216\u4e3b\u984c\u7684\u7bc4\u4f8b\u5be6\u969b\u53ef\u80fd\u66f4\u6df1\uff1b\u8cc7\u6599\u4f86\u6e90\uff1aVanguard<sup>[1]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002\u6559\u5b78\u7528\u5047\u8a2d\u7bc4\u4f8b\uff0c\u4e0d\u662f\u6295\u8cc7\u5efa\u8b70\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5404\u7bc4\u4f8b\u7684\u7d44\u6210\u8207\u8cc7\u7522\u985e\u5225\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>10 \u842c\uff1a\u53f0\u80a1\u8d77\u6b65\uff1a\u53f0\u7063\u5927\u578b\u80a1 60%\uff08\u4ee5\u81fa\u7063 50 \u6307\u6578\u70ba\u4f8b\uff09\u52a0\u53f0\u7063\u9ad8\u80a1\u606f 40%\uff08\u4ee5\u81fa\u7063\u9ad8\u80a1\u606f\u985e\u6307\u6578\u70ba\u4f8b\uff09\uff0c\u5168\u90e8\u5728\u53f0\u7063\u3001\u5168\u90e8\u662f\u80a1\u7968\uff0c\u63db\u6210\u91d1\u984d\u6700\u5dee\u4e00\u5e74\u7d04\u5c11 4.3 \u842c\u4ee5\u4e0a\uff0c\u55ae\u4e00\u5e02\u5834\u53ef\u80fd\u66f4\u6df1\u3002<\/li>\n<li>30 \u842c\uff1a\u52a0\u5165\u6d77\u5916\u8207\u50b5\u5238\uff1a\u53f0\u7063\u5927\u578b\u80a1 50%\uff08\u4ee5\u81fa\u7063 50 \u6307\u6578\u70ba\u4f8b\uff09\u3001\u7f8e\u570b\u79d1\u6280\u80a1 30%\uff08\u4ee5 NYSE FANG+ \u6307\u6578\u70ba\u4f8b\uff09\u3001\u7f8e\u570b\u9577\u5929\u671f\u516c\u50b5 20%\uff08\u4ee5 ICE \u7f8e\u570b\u516c\u50b5 20 \u5e74\u671f\u4ee5\u4e0a\u6307\u6578\u70ba\u4f8b\uff09\uff0c\u80a1\u50b5 80\uff0f20 \u4f46\u80a1\u7968\u96c6\u4e2d\u5728\u5169\u500b\u4e3b\u984c\uff0c\u6700\u5dee\u4e00\u5e74\u7d04\u5c11 10.5 \u842c\u3002<\/li>\n<li>50 \u842c\uff1a\u6838\u5fc3\u52a0\u885b\u661f\uff1a\u5168\u7403\u5df2\u958b\u767c\u5e02\u5834\u80a1\u7968 70%\uff08\u4ee5 MSCI \u4e16\u754c\u6307\u6578\u70ba\u4f8b\uff09\u3001\u534a\u5c0e\u9ad4 15%\uff08\u4ee5\u534a\u5c0e\u9ad4\u7522\u696d\u6307\u6578\u70ba\u4f8b\uff09\u3001\u5168\u7403\u6295\u8cc7\u7b49\u7d1a\u50b5 15%\uff08\u4ee5\u5f6d\u535a\u5168\u7403\u7d9c\u5408\u50b5\u5238\u6307\u6578\u70ba\u4f8b\uff09\uff0c\u6700\u5dee\u4e00\u5e74\u7d04\u5c11 17.6\uff5e19.6 \u842c\u3002<\/li>\n<li>100 \u842c\uff1a\u5168\u7403\u5206\u6563\uff1a\u7f8e\u570b\u6574\u9ad4\u80a1\u5e02 45%\uff08\u4ee5 CRSP \u7f8e\u570b\u6574\u9ad4\u5e02\u5834\u6307\u6578\u70ba\u4f8b\uff09\u3001\u5df2\u958b\u767c\u5e02\u5834\u4e0d\u542b\u7f8e\u570b 25%\uff08\u4ee5 FTSE \u5df2\u958b\u767c\u5e02\u5834\u4e0d\u542b\u7f8e\u570b\u6307\u6578\u70ba\u4f8b\uff09\u3001\u5168\u7403\u4e0d\u52d5\u7522\u4e0d\u542b\u7f8e\u570b 10%\uff08\u4ee5 S&amp;P \u5168\u7403\u4e0d\u542b\u7f8e\u570b\u4e0d\u52d5\u7522\u6307\u6578\u70ba\u4f8b\uff09\u3001\u5168\u7403\u50b5\u5238 20%\uff08\u4ee5\u5f6d\u535a\u5168\u7403\u7d9c\u5408\u50b5\u5238\u6307\u6578\u70ba\u4f8b\uff09\uff0c\u4e0d\u52d5\u7522\u4f75\u5165\u80a1\u7968\u7aef\u7b97\u662f 80\uff0f20\uff0c\u6700\u5dee\u4e00\u5e74\u7d04\u5c11 35.1 \u842c\u3002<\/li>\n<li>\u9000\u4f11\u73fe\u91d1\u6d41\u578b\uff08\u4ee5 100 \u842c\u8a08\uff09\uff1a\u570b\u969b\u9ad8\u80a1\u606f\u80a1\u7968 30%\uff08\u4ee5 FTSE \u5168\u4e16\u754c\u4e0d\u542b\u7f8e\u570b\u9ad8\u80a1\u606f\u6307\u6578\u70ba\u4f8b\uff09\u3001\u53f0\u7063\u9ad8\u80a1\u606f 30%\uff08\u4ee5\u81fa\u7063\u9ad8\u80a1\u606f\u985e\u6307\u6578\u70ba\u4f8b\uff09\u3001\u4e2d\u671f\u6295\u8cc7\u7b49\u7d1a\u516c\u53f8\u50b5 40%\uff08\u4ee5\u7f8e\u570b\u4e2d\u671f\u6295\u8cc7\u7b49\u7d1a\u516c\u53f8\u50b5\u6307\u6578\u70ba\u4f8b\uff09\uff0c\u80a1\u50b5 60\uff0f40\uff0c\u6700\u5dee\u4e00\u5e74\u7d04\u5c11 26.9 \u842c\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Vanguard \u7684\u80a1\u7968\u662f\u5168\u7403\u5206\u6563\u7684\u6574\u9ad4\u5e02\u5834\uff0c\u7bc4\u4f8b\u88e1\u96c6\u4e2d\u5728\u55ae\u4e00\u570b\u5bb6\u3001\u55ae\u4e00\u7522\u696d\u6216\u4e3b\u984c\u7684\u90e8\u5206\uff0c\u5be6\u969b\u6ce2\u52d5\u53ef\u80fd\u6bd4 Vanguard \u7684\u6578\u5b57\u5927\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u9019\u4e94\u500b\u7bc4\u4f8b\uff0c\u6700\u5bb9\u6613\u88ab\u5ffd\u7565\u7684\u56db\u4ef6\u4e8b<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>\u9ad8\u80a1\u606f\u9084\u662f\u80a1\u7968\u300210 \u842c\u90a3\u4e00\u7d44\u770b\u8d77\u4f86\u4e00\u534a\u662f\u300c\u7a69\u5065\u7684\u9ad8\u80a1\u606f\u300d\uff0c\u80a1\u50b5\u6bd4\u4f8b\u5176\u5be6\u662f 100\uff0f0\uff0c\u800c\u4e14\u5168\u90e8\u5728\u540c\u4e00\u500b\u5e02\u5834\uff0c\u9000\u4f11\u73fe\u91d1\u6d41\u578b\u88e1\u7684 60% \u9ad8\u80a1\u606f\u4e5f\u4e00\u6a23\u662f\u80a1\u7968\u90e8\u4f4d\uff0c\u914d\u606f\u4e0d\u6703\u8b93\u80a1\u50f9\u5c11\u8dcc\u3002<\/li>\n<li>\u9577\u5929\u671f\u516c\u50b5\u4e0d\u7b49\u65bc\u907f\u96aa\u300230 \u842c\u90a3\u4e00\u7d44\u7684\u50b5\u5238\u662f 20 \u5e74\u4ee5\u4e0a\u7684\u7f8e\u570b\u516c\u50b5\uff0c\u5229\u7387\u6bcf\u8b8a\u52d5 1 \u500b\u767e\u5206\u9ede\uff0c\u50f9\u683c\u8b8a\u52d5\u5e45\u5ea6\u9060\u5927\u65bc\u77ed\u4e2d\u671f\u50b5\u5238\uff0c\u80a1\u5e02\u4e0b\u8dcc\u6642\u5b83\u5e38\u6709\u7de9\u885d\u4f5c\u7528\uff0c\u4f46\u78b0\u4e0a\u5229\u7387\u6025\u5347\uff08\u4f8b\u5982 2022 \u5e74\uff09\u5c31\u6703\u548c\u80a1\u7968\u4e00\u8d77\u8dcc\u3002\u4e0d\u540c\u5929\u671f\u7f8e\u50b5 ETF \u7684\u5dee\u5225\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13299\">\u53f0\u80a1\u8207\u7f8e\u80a1\u7684\u7f8e\u50b5 ETF \u6bd4\u8f03<\/a>\u3002<\/li>\n<li>\u4e3b\u984c\u8207\u7522\u696d\u662f\u96c6\u4e2d\u6295\u8cc7\u3002\u79d1\u6280\u5de8\u982d\u3001\u534a\u5c0e\u9ad4\u9019\u985e\u6307\u6578\u6210\u5206\u80a1\u5c11\u3001\u7522\u696d\u55ae\u4e00\uff0c\u5831\u916c\u597d\u7684\u6642\u5019\u5f88\u597d\uff0c\u8dcc\u7684\u6642\u5019\u4e5f\u6bd4\u6574\u9ad4\u5e02\u5834\u6df1\uff0c\u6838\u5fc3\u52a0\u885b\u661f\u8981\u5148\u6c7a\u5b9a\u885b\u661f\u5360\u591a\u5c11\uff0c\u6bd4\u885b\u661f\u9078\u54ea\u500b\u66f4\u5f71\u97ff\u98a8\u96aa\u3002<\/li>\n<li>\u7bc4\u4f8b\u7684\u91d1\u984d\u548c\u6bd4\u4f8b\u6c92\u6709\u95dc\u4fc2\u300210 \u842c\u90a3\u4e00\u7d44\u662f 100\uff0f0\uff0c100 \u842c\u90a3\u4e00\u7d44\u662f 80\uff0f20\uff0c\u4e26\u4e0d\u4ee3\u8868\u9322\u5c11\u5c31\u8a72\u5168\u653e\u80a1\u7968\uff0c\u6bd4\u4f8b\u9084\u662f\u8ddf\u8457\u76ee\u6a19\u8207\u627f\u53d7\u5ea6\u8d70\u3002<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">\u91d1\u984d\u591a\u5be1\u6703\u6539\u8b8a\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">10 \u842c\u5143\u548c 100 \u842c\u5143\u7684\u6295\u8cc7\u4eba\uff0c\u9069\u5408\u7684\u80a1\u50b5\u6bd4\u4f8b\u53ef\u4ee5\u4e00\u6a21\u4e00\u6a23\uff0c\u91d1\u984d\u6539\u8b8a\u7684\u662f\u57f7\u884c\u65b9\u5f0f\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6a19\u7684\u6578\u91cf\uff1a\u5c0f\u984d\u6642\u4e00\u5230\u5169\u6a94\u5168\u7403\u80a1\u7968\u8207\u50b5\u5238 ETF \u5c31\u80fd\u6db5\u84cb\u4e3b\u8981\u8cc7\u7522\uff0c\u91d1\u984d\u5927\u4e86\u53ef\u4ee5\u518d\u7d30\u5206\u5340\u57df\u3001\u50b5\u5238\u671f\u9650\u8207\u4e0d\u52d5\u7522\u3002<\/li>\n<li>\u4ea4\u6613\u6210\u672c\uff1a\u5c0f\u984d\u6642\u6bcf\u7b46\u6700\u4f4e\u624b\u7e8c\u8cbb\u7684\u5360\u6bd4\u6703\u88ab\u653e\u5927\uff0c\u7528\u5b9a\u671f\u5b9a\u984d\u7684\u512a\u60e0\u8cbb\u7387\u6bd4\u8f03\u5212\u7b97\uff1b\u91d1\u984d\u5927\u6642\u624b\u7e8c\u8cbb\u5360\u6bd4\u4f4e\uff0c\u53cd\u800c\u662f\u8cbb\u7528\u7387\u7684\u5dee\u8ddd\u6bd4\u8f03\u91cd\u8981\u3002<\/li>\n<li>\u8cb7\u6d77\u5916 ETF\uff1a\u8907\u59d4\u8a17\u6709\u6700\u4f4e\u624b\u7e8c\u8cbb\uff0c\u5c0f\u984d\u6642\u6210\u672c\u504f\u9ad8\uff0c\u91d1\u984d\u5927\u4e00\u4e9b\u624d\u6bd4\u8f03\u6524\u5f97\u5e73\u3002<\/li>\n<li>\u518d\u5e73\u8861\uff1a\u5c0f\u984d\u6642\u7528\u6bcf\u6708\u65b0\u6295\u5165\u7684\u9322\u53bb\u88dc\u843d\u5f8c\u7684\u8cc7\u7522\u5c31\u80fd\u628a\u6bd4\u4f8b\u62c9\u56de\u4f86\uff0c\u91d1\u984d\u5927\u6642\u591a\u534a\u8981\u8ce3\u51fa\u6f32\u591a\u7684\u90e8\u4f4d\uff0c\u5f97\u628a\u4ea4\u6613\u6210\u672c\u548c\u7a05\u4e00\u8d77\u7b97\u9032\u53bb\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u5c0f\u984d\u600e\u9ebc\u958b\u59cb\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4878\">\u5b9a\u671f\u5b9a\u984d\u662f\u4ec0\u9ebc\uff1f<\/a>\uff1b\u8cbb\u7528\u600e\u9ebc\u6bd4\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14511\">ETF \u5167\u6263\u8cbb\u7528\u600e\u9ebc\u770b<\/a>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u81ea\u5df1\u7d44 ETF\uff0c\u9084\u662f\u4ea4\u7d66\u9867\u554f\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u7d44\u6700\u5927\u7684\u597d\u8655\u662f\u5b8c\u5168\u638c\u63a7\u3001\u8cbb\u7528\u53ef\u80fd\u8f03\u4f4e\uff0c\u6311\u6230\u5247\u6709\u4e09\u500b\uff1a\u7814\u7a76\u5168\u7403\u5e02\u5834\u8207\u6311\u9078 ETF \u8981\u82b1\u6642\u9593\uff0c\u5927\u8dcc\u6642\u5fcd\u4f4f\u4e0d\u8ce3\u3001\u5927\u6f32\u6642\u7167\u898f\u5247\u518d\u5e73\u8861\u5f88\u8003\u9a57\u7d00\u5f8b\uff0c\u6295\u8cc7\u6d77\u5916 ETF \u9084\u8981\u958b\u8907\u59d4\u8a17\u6216\u6d77\u5916\u5238\u5546\u5e33\u6236\uff0c\u4ea4\u6613\u8207\u7a05\u52d9\u898f\u5247\u4e5f\u6bd4\u8f03\u8907\u96dc\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ea4\u7d66\u9867\u554f\uff0c\u4ed8\u7684\u662f\u898f\u5283\u3001\u57f7\u884c\u8207\u7d00\u5f8b\u7684\u8cbb\u7528\uff0c\u9069\u4e0d\u9069\u5408\uff0c\u8981\u770b\u4f60\u6709\u6c92\u6709\u6642\u9593\uff0c\u4ee5\u53ca\u6709\u6c92\u6709\u628a\u63e1\u5728\u5927\u8dcc\u6642\u7167\u8a08\u756b\u8d70\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5be6\u969b\u7684\u6295\u8cc7\u7d44\u5408\u9577\u4ec0\u9ebc\u6a23\uff1f\u963f\u723e\u767c\u7684\u516d\u7a2e\u914d\u7f6e<\/h2>\n\n<p class=\"wp-block-paragraph\">\u524d\u9762\u4e94\u500b\u662f\u6559\u5b78\u7bc4\u4f8b\uff0c\u4e0b\u9762\u662f\u963f\u723e\u767c\u6295\u9867\u5be6\u969b\u5728\u7528\u7684\u6a21\u578b\u6295\u8cc7\u7d44\u5408\uff0c\u4ee5\u8cc7\u7522\u985e\u5225\u5448\u73fe\u3002\u540c\u4e00\u5957\u65b9\u6cd5\u53ef\u4ee5\u505a\u51fa\u4e0d\u540c\u80a1\u50b5\u6bd4\u4f8b\uff0c\u4e5f\u53ef\u4ee5\u505a\u51fa\u4e0d\u540c\u98a8\u683c\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/\u963f\u723e\u767c\u6295\u8cc7\u7d44\u5408\u914d\u7f6e.png\" alt=\"\u963f\u723e\u767c\u516d\u7a2e\u6295\u8cc7\u7d44\u5408\u7684\u8cc7\u7522\u985e\u5225\u914d\u7f6e\uff1a\u5168\u7403\u9818\u822a\u4fdd\u5b88 30\uff0f70\u3001\u5e73\u8861 60\uff0f40\u3001\u7a4d\u6975 90\uff0f10\uff0c\u56e0\u5b50\u589e\u5f37 60\uff0f40\uff0c\u53f0\u7f8e\u79d1\u6280\u5168\u80a1\u7968\uff0c\u5730\u7de3\u9632\u79a6\u80a1\u7968\u52a0\u5be6\u7269\u8cc7\u7522\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u9867\u6a21\u578b\u6295\u8cc7\u7d44\u5408\uff0c2026 \u5e74 8 \u6708\u7248\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\uff1b\u6bd4\u91cd\u4f9d\u8cc7\u7522\u985e\u5225\u5408\u4f75\uff0c\u5be6\u969b\u914d\u7f6e\u6bcf\u6708\u6aa2\u8996\u8abf\u6574\u3002<\/em><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5168\u7403\u9818\u822a\uff08\u4fdd\u5b88\u3001\u5e73\u8861\u3001\u7a4d\u6975\uff09<\/strong>\uff1a\u540c\u4e00\u5957\u5168\u7403\u5206\u6563\u7684\u9aa8\u67b6\uff0c\u53ea\u8abf\u6574\u80a1\u50b5\u6bd4\u4f8b\u3002\u4fdd\u5b88\u578b\u4e03\u6210\u662f\u5168\u7403\u50b5\u5238\uff0c\u7a4d\u6975\u578b\u50b5\u5238\u964d\u5230\u4e00\u6210\uff0c\u80a1\u7968\u7aef\u5247\u4e00\u8def\u5f9e\u7f8e\u570b\u3001\u5df2\u958b\u767c\u5e02\u5834\u5ef6\u4f38\u5230\u5168\u7403\u5c0f\u578b\u80a1\u8207\u4e0d\u52d5\u7522\u3002\u80a1\u7968\u6bd4\u91cd\u8d8a\u9ad8\uff0c\u6b77\u53f2\u4e0a\u6700\u5dee\u4e00\u5e74\u4e5f\u8d8a\u6df1\uff0c\u9019\u7d44\u914d\u7f6e\u662f\u8b93\u80a1\u50b5\u6bd4\u4f8b\u8ddf\u8457\u627f\u53d7\u5ea6\u8d70\u3002<\/li>\n<li><strong>\u56e0\u5b50\u589e\u5f37<\/strong>\uff1a\u80a1\u50b5\u540c\u6a23\u662f 60\uff0f40\uff0c\u5dee\u5225\u5728\u80a1\u7968\u7684\u6311\u6cd5\u3002\u5b83\u5728\u6574\u9ad4\u5e02\u5834\u4e4b\u5916\uff0c\u984d\u5916\u504f\u91cd\u5c0f\u578b\u80a1\u3001\u50f9\u503c\u80a1\u8207\u9ad8\u76c8\u5229\u516c\u53f8\uff0c\u5b78\u8853\u7814\u7a76\u7a31\u9019\u4e9b\u70ba\u300c\u56e0\u5b50\u300d\uff0c\u53d6\u5411\u660e\u78ba\uff0c\u4f46\u4e5f\u53ef\u80fd\u9023\u7e8c\u597d\u5e7e\u5e74\u843d\u5f8c\u5927\u76e4\uff1b\u50b5\u5238\u7aef\u5247\u7528\u77ed\u671f\u50b5\u964d\u4f4e\u5c0d\u5229\u7387\u7684\u654f\u611f\u5ea6\u3002<\/li>\n<li><strong>\u53f0\u7f8e\u79d1\u6280<\/strong>\uff1a\u5168\u80a1\u7968\u7684\u4e3b\u984c\u914d\u7f6e\uff0c\u96c6\u4e2d\u5728\u53f0\u7063\u80a1\u7968\u3001AI \u8207\u79d1\u6280\u3001\u534a\u5c0e\u9ad4\u3002\u6210\u9577\u6027\u5f37\uff0c\u6ce2\u52d5\u4e5f\u5927\uff0c\u9069\u5408\u7576\u6838\u5fc3\u914d\u7f6e\u4e4b\u5916\u7684\u885b\u661f\u90e8\u4f4d\uff0c\u800c\u4e0d\u662f\u5168\u90e8\u8cc7\u7522\u3002<\/li>\n<li><strong>\u5730\u7de3\u9632\u79a6<\/strong>\uff1a\u628a\u822a\u592a\u570b\u9632\u3001\u7a00\u571f\u8207\u6230\u7565\u91d1\u5c6c\u3001\u80fd\u6e90\u548c\u9ec3\u91d1\u653e\u5728\u4e00\u8d77\uff0c\u642d\u914d\u7f8e\u570b\u5927\u578b\u80a1\u3002\u9019\u7d44\u914d\u7f6e\u91dd\u5c0d\u7684\u662f\u5730\u7de3\u885d\u7a81\u8207\u4f9b\u61c9\u93c8\u91cd\u7d44\u5e36\u4f86\u7684\u98a8\u96aa\uff0c\u548c\u4e00\u822c\u80a1\u50b5\u7d44\u5408\u7684\u5206\u6563\u4f86\u6e90\u4e0d\u540c\u3002<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u540c\u6a23\u662f 60\uff0f40\uff0c\u5168\u7403\u9818\u822a\u8207\u56e0\u5b50\u589e\u5f37\u7684\u5167\u5bb9\u5c31\u4e0d\u4e00\u6a23\uff1b\u540c\u6a23\u662f\u5168\u80a1\u7968\uff0c\u4e3b\u984c\u914d\u7f6e\u7684\u98a8\u96aa\u4e5f\u548c\u5168\u7403\u5206\u6563\u5dee\u5f88\u591a\u3002\u6240\u4ee5\u6311\u7d44\u5408\u6642\uff0c\u6bd4\u4f8b\u770b\u7684\u662f\u627f\u53d7\u5ea6\uff0c\u98a8\u683c\u770b\u7684\u662f\u4f60\u60f3\u628a\u54ea\u4e00\u90e8\u5206\u7684\u98a8\u96aa\u653e\u5927\u6216\u7e2e\u5c0f\u3002\u5404\u7d44\u5408\u7684\u5b8c\u6574\u4ecb\u7d39\u3001\u6b77\u53f2\u8868\u73fe\u8207\u9069\u5408\u5c0d\u8c61\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/roboadvisor.com.tw\/PortfolioIntro.html\">\u963f\u723e\u767c\u6295\u8cc7\u7d44\u5408\u4ecb\u7d39<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u963f\u723e\u767c\u6295\u9867\u63d0\u4f9b\u4ee5\u5168\u7403 ETF \u70ba\u4e3b\u7684\u8cc7\u7522\u914d\u7f6e\u5efa\u8b70\u8207\u518d\u5e73\u8861\u670d\u52d9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u9019\u7b46\u9322\u662f\u70ba\u4e86\u9000\u4f11\uff0c\u5148\u7b97\u6e05\u695a\u52de\u4fdd\u3001\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff0c\u518d\u56de\u4f86\u9078\u80a1\u50b5\u6bd4\u4f8b\u6703\u6bd4\u8f03\u6e96\uff0c\u7b97\u6cd5\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><\/p>\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u6709 100 \u842c\u5982\u4f55\u6295\u8cc7\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5148\u505a\u4e09\u4ef6\u4e8b\uff0c\u518d\u8ac7\u8cb7\u4ec0\u9ebc\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u7559\u7dca\u6025\u9810\u5099\u91d1\uff1a\u5148\u628a 3\uff5e6 \u500b\u6708\u7684\u751f\u6d3b\u8cbb\u653e\u5728\u5b58\u6b3e\uff0c\u9019\u7b46\u9322\u4e0d\u9032\u6295\u8cc7\u7d44\u5408\uff0c\u7b97\u6cd5\u898b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14649\">\u7dca\u6025\u9810\u5099\u91d1\u600e\u9ebc\u7b97<\/a>\u3002<\/li>\n<li>\u6c7a\u5b9a\u80a1\u50b5\u6bd4\u4f8b\uff1a\u5c0d\u7167 Vanguard \u5404\u80a1\u50b5\u6bd4\u4f8b\u7684\u6b77\u53f2\u6578\u5b57\uff0c\u770b\u81ea\u5df1\u80fd\u63a5\u53d7\u7684\u6700\u5dee\u4e00\u5e74\u3002100 \u842c\u653e 80\uff0f20\uff0c\u6b77\u53f2\u4e0a\u6700\u5dee\u4e00\u5e74\u7d04\u5c11 35 \u842c\uff1b60\uff0f40 \u7d04\u5c11 27 \u842c\uff1b50\uff0f50 \u7d04\u5c11 23 \u842c<sup>[1]<\/sup>\u3002<\/li>\n<li>\u6c7a\u5b9a\u55ae\u7b46\u9084\u662f\u5206\u6279\uff1a\u4e00\u6b21\u6295\u5165\u8b93\u9322\u8f03\u65e9\u53c3\u8207\u5e02\u5834\uff0c\u5206\u6279\u6295\u5165\u8b93\u9032\u5834\u50f9\u683c\u5206\u6563\u3001\u5fc3\u7406\u58d3\u529b\u8f03\u5c0f\uff1b\u64d4\u5fc3\u8cb7\u5728\u9ad8\u9ede\u7684\u4eba\uff0c\u53ef\u4ee5\u5206 6\uff5e12 \u500b\u6708\u6295\u5165\u3002<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">\u5269\u4e0b\u7684\u624d\u662f\u6311\u6a19\u7684\uff1a\u7528\u5c11\u6578\u5e7e\u6a94\u5206\u6563\u5ea6\u9ad8\u7684\u6307\u6578\u578b ETF \u6db5\u84cb\u5168\u7403\u80a1\u7968\u8207\u50b5\u5238\uff0c\u518d\u5b9a\u671f\u518d\u5e73\u8861\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u4fdd\u5b88\u3001\u7a69\u5065\u3001\u7a4d\u6975\u578b\u7684\u80a1\u50b5\u6bd4\u4f8b\u600e\u9ebc\u5c0d\u7167\uff1f<\/h3>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u985e\u578b<\/th>\n<th>\u5e38\u898b\u80a1\u50b5\u6bd4\u4f8b<\/th>\n<th>\u6b77\u53f2\u6700\u5dee\u4e00\u5e74\uff08Vanguard 1928\u20132025\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4fdd\u5b88<\/td>\n<td>30\uff0f70 \u4ee5\u4e0b<\/td>\n<td>\u5168\u50b5\u5238 \u221212.9%<\/td>\n<\/tr>\n<tr>\n<td>\u7a69\u5065<\/td>\n<td>50\uff0f50\uff5e60\uff0f40<\/td>\n<td>50\uff0f50 \u221222.8%\uff1b60\uff0f40 \u221226.9%<\/td>\n<\/tr>\n<tr>\n<td>\u7a4d\u6975<\/td>\n<td>80\uff0f20 \u4ee5\u4e0a<\/td>\n<td>80\uff0f20 \u221235.1%\uff1b\u5168\u80a1\u7968 \u221243.3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u985e\u578b\u7684\u540d\u7a31\u5404\u5bb6\u5b9a\u7fa9\u4e0d\u540c\uff0c\u6bd4\u8f03\u6642\u770b\u80a1\u50b5\u6bd4\u4f8b\u548c\u6700\u5dee\u4e00\u5e74\uff0c\u4e0d\u8981\u53ea\u770b\u540d\u7a31<sup>[1]<\/sup>\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u6295\u8cc7\u7d44\u5408\u591a\u4e45\u8981\u518d\u5e73\u8861\u4e00\u6b21\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u6c92\u6709\u552f\u4e00\u7b54\u6848\u3002Vanguard 2010 \u5e74\u7684\u7814\u7a76\u6bd4\u8f03\u4e86\u4e0d\u540c\u505a\u6cd5\uff0c\u7d50\u8ad6\u662f\u5c0d\u591a\u6578\u80a1\u50b5\u5206\u6563\u7684\u7d44\u5408\u4f86\u8aaa\uff0c\u6bcf\u5e74\u6216\u6bcf\u534a\u5e74\u6aa2\u8996\u4e00\u6b21\u3001\u504f\u96e2\u76ee\u6a19 5 \u500b\u767e\u5206\u9ede\u4ee5\u4e0a\u624d\u8abf\u6574\uff0c\u5728\u63a7\u5236\u98a8\u96aa\u8207\u6e1b\u5c11\u4ea4\u6613\u6210\u672c\u4e4b\u9593\u662f\u5408\u7406\u7684\u5e73\u8861<sup>[3]<\/sup>\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u300c100 \u6e1b\u5e74\u9f61\u300d\u53ef\u4ee5\u7576\u80a1\u7968\u6bd4\u4f8b\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u9019\u662f\u5e38\u898b\u7684\u7d93\u9a57\u6cd5\u5247\uff0c30 \u6b72\u80a1\u7968 70%\u300160 \u6b72\u80a1\u7968 40%\uff0c\u6293\u5230\u4e86\u300c\u5e74\u7d00\u8d8a\u5927\u3001\u80a1\u7968\u8d8a\u5c11\u300d\u7684\u65b9\u5411\uff0c\u4f46\u6c92\u6709\u8003\u616e\u6536\u5165\u7a69\u5b9a\u5ea6\u3001\u65e2\u6709\u8cc7\u7522\u8207\u7528\u9322\u6642\u9593\u3002\u540c\u6a23 40 \u6b72\uff0c\u6536\u5165\u7a69\u5b9a\u300120 \u5e74\u5f8c\u624d\u9000\u4f11\u7684\u4eba\uff0c\u548c\u5169\u5e74\u5f8c\u8981\u8cb7\u623f\u7684\u4eba\uff0c\u9069\u5408\u7684\u6bd4\u4f8b\u6703\u5dee\u5f88\u591a\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u53ef\u4ee5\u76f4\u63a5\u7167\u6284\u7db2\u8def\u4e0a\u7684 ETF \u6295\u8cc7\u7d44\u5408\u7bc4\u4f8b\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u7bc4\u4f8b\u53ef\u4ee5\u62ff\u4f86\u7406\u89e3\u80a1\u50b5\u6bd4\u4f8b\u8207\u98a8\u96aa\u7684\u95dc\u4fc2\uff0c\u4f46\u6bcf\u500b\u4eba\u7684\u76ee\u6a19\u3001\u671f\u9593\u8207\u627f\u53d7\u5ea6\u4e0d\u540c\uff0c\u7167\u6284\u4e4b\u524d\u81f3\u5c11\u7528\u81ea\u5df1\u7684\u91d1\u984d\u7b97\u4e00\u6b21\u6700\u5dee\u5e74\u5ea6\u7684\u5e33\u9762\u640d\u5931\uff0c\u78ba\u8a8d\u770b\u5230\u90a3\u500b\u6578\u5b57\u6642\u4e0d\u6703\u8ce3\u51fa\uff0c\u505a\u4e0d\u5230\u7684\u8a71\uff0c\u5c31\u5f80\u80a1\u7968\u6bd4\u91cd\u4f4e\u4e00\u7d1a\u7684\u6bd4\u4f8b\u8abf\u6574\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u50b5\u5238\u6bd4\u4f8b\u9ad8\uff0c\u5c31\u4e0d\u6703\u8667\u640d\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u6703\u3002Vanguard 1928\u20132025 \u5e74\u8cc7\u6599\u4e2d\uff0c\u5168\u50b5\u5238\u7d44\u5408\u6700\u5dee\u7684\u4e00\u5e74\u4e5f\u8dcc\u4e86 12.9%<sup>[1]<\/sup>\uff0c\u50b5\u5238\u8dcc\u5e45\u901a\u5e38\u6bd4\u80a1\u7968\u5c0f\uff0c\u4f46\u5229\u7387\u4e0a\u5347\u3001\u4fe1\u7528\u98a8\u96aa\u64f4\u5927\u6642\u4e00\u6a23\u6703\u4e0b\u8dcc\uff0c\u77ed\u671f\u50b5\u8207\u73fe\u91d1\u7684\u6ce2\u52d5\u8f03\u4f4e\uff0c\u76f8\u5c0d\u5831\u916c\u4e5f\u8f03\u4f4e\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u53ea\u6709 10 \u842c\u5143\uff0c\u53ef\u4ee5\u600e\u9ebc\u958b\u59cb\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5148\u6c7a\u5b9a\u80a1\u50b5\u6bd4\u4f8b\uff0c\u518d\u7528\u4e00\u5230\u5169\u6a94\u5206\u6563\u5ea6\u9ad8\u7684\u6307\u6578\u578b ETF 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wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/jOAm2Tj0\" 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] Vanguard. (n.d.). <em>Investment portfolios: Asset allocation models<\/em>\uff08Range of calendar year returns, 1928\u20132025\uff1bVanguard calculations based on data provided by Morningstar as of December 31, 2025\uff09. 2026 \u5e74 10 \u6708 16 \u65e5\u64f7\u53d6\u3002https:\/\/investor.vanguard.com\/investor-resources-education\/education\/model-portfolio-allocation<\/li>\n<li>[2] U.S. Securities and Exchange Commission. (2009, August 27). <em>Beginners&#8217; guide to asset allocation, diversification, and rebalancing<\/em>. https:\/\/www.sec.gov\/investor\/pubs\/assetallocation.htm<\/li>\n<li>[3] Jaconetti, C. M., Kinniry, F. M., Jr., &amp; Zilbering, Y. (2010). <em>Best practices for portfolio rebalancing<\/em>. Vanguard. https:\/\/www.aaii.com\/files\/journal\/pdf\/best-practices-for-portfolio-rebalancing.pdf<\/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\u6240\u5217\u6307\u6578\u50c5\u70ba\u8aaa\u660e\u8cc7\u7522\u985e\u5225\u4e4b\u4f8b\uff0c\u4e0d\u4ee3\u8868\u63a8\u85a6\u4efb\u4f55\u8ffd\u8e64\u8a72\u6307\u6578\u4e4b\u5546\u54c1\uff1b\u6295\u8cc7\u7d44\u5408\u7bc4\u4f8b\u70ba\u6559\u5b78\u7528\u5047\u8a2d\uff0c\u6b77\u53f2\u7d71\u8a08\u4fc2\u4ee5\u6b77\u53f2\u6307\u6578\u8cc7\u6599\u8a08\u7b97\uff0c\u672a\u6263\u9664\u8cbb\u7528\u8207\u7a05\u8ca0\uff0c\u4e0d\u4ee3\u8868\u4efb\u4f55\u5be6\u969b\u5e33\u6236\u7e3e\u6548\u3002\u904e\u53bb\u7e3e\u6548\u4e0d\u4ee3\u8868\u672a\u4f86\u8868\u73fe\u3002\u50b5\u5238\u6295\u8cc7\u6d89\u53ca\u5229\u7387\u3001\u4fe1\u7528\u3001\u6d41\u52d5\u6027\u8207\u532f\u7387\u98a8\u96aa\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>\u5982\u4f55\u5efa\u7acb\u7a69\u5065\u6295\u8cc7\u7d44\u5408\uff1f10\u842c\u5230100\u842c5\u7a2eETF\u7bc4\u4f8b\uff0c\u964411\u7a2e\u80a1\u50b5\u6bd4\u4f8b\u7684\u6b77\u53f2\u6700\u5dee\u4e00\u5e74\u5c0d\u7167\u5716\u3002<\/p>\n","protected":false},"author":3,"featured_media":17339,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"\u5982\u4f55\u5efa\u7acb\u7a69\u5065\u6295\u8cc7\u7d44\u5408\uff1f10\u842c\u5230100\u842c5\u7a2eETF\u7bc4\u4f8b\uff0c\u964411\u7a2e\u80a1\u50b5\u6bd4\u4f8b\u7684\u6b77\u53f2\u6700\u5dee\u4e00\u5e74\u5c0d\u7167\u5716\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":[565],"tags":[712,711,709,710,801,249,708,800,713],"class_list":["post-17530","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category--etf","tag-712","tag-711","tag-etf-","tag-801","tag-249","tag-708","tag-800","tag-713"],"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-114.png","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/17530","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=17530"}],"version-history":[{"count":1,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/17530\/revisions"}],"predecessor-version":[{"id":17531,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/17530\/revisions\/17531"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/17339"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}