{"id":18842,"date":"2026-10-21T18:22:40","date_gmt":"2026-10-21T10:22:40","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=18842"},"modified":"2026-10-21T18:22:40","modified_gmt":"2026-10-21T10:22:40","slug":"taiwan-10y-bond-yield-2-percent","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=18842","title":{"rendered":"\u53f0\u50b5\u5229\u7387\u78342%\u4ee3\u8868\u4ec0\u9ebc\uff1f\u80a1\u3001\u50b5\u3001\u623f\u3001\u532f\u5404\u600e\u9ebc\u8d70"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u904e\u53bb\u4e09\u5341\u5e74\uff0c\u5728\u53f0\u7063\u8ac7\u5229\u7387\uff0c\u5927\u5bb6\u5fc3\u88e1\u5e7e\u4e4e\u53ea\u6709\u4e00\u500b\u65b9\u5411\uff1a\u5f80\u4e0b\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">2026 \u5e74 10 \u6708 20 \u65e5\uff0c10 \u5e74\u671f\u516c\u50b5\u6a19\u552e\u7684\u6700\u9ad8\u5f97\u6a19\u5229\u7387\u662f 2.001%\uff0c2008 \u5e74\u4ee5\u4f86\u7b2c\u4e00\u6b21\u7ad9\u4e0a 2%\uff0c\u6bd4\u53bb\u5e74 12 \u6708\u7684 1.32% \u9ad8\u4e86 0.68 \u500b\u767e\u5206\u9ede\uff0868bp\uff09<sup>[1]<\/sup>\uff0c\u4e0d\u904e\u653e\u5230\u5168\u7403\u4f86\u770b\uff0c\u7f8e\u570b\u3001\u65e5\u672c\u3001\u5357\u97d3\u7684\u9577\u671f\u5229\u7387\u9019\u6bb5\u6642\u9593\u5347\u5f97\u66f4\u591a\uff0c\u53f0\u7063\u4ecd\u7136\u662f\u4e3b\u8981\u5e02\u5834\u88e1\u6700\u4f4e\u7684\uff0c\u6240\u4ee5\u9019\u4ef6\u4e8b\u5c0d\u53f0\u7063\u6295\u8cc7\u4eba\u7684\u5f71\u97ff\uff0c\u4e3b\u8981\u4e0d\u5728\u53f0\u50b5\u672c\u8eab\uff0c\u800c\u5728\u5229\u5dee\u548c\u65b0\u53f0\u5e63\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u50b5\u5238\u50f9\u683c\u548c\u5229\u7387\u600e\u9ebc\u9023\u52d5\u3001\u5728\u53f0\u7063\u600e\u9ebc\u8cb7\u50b5\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6933\">\u50b5\u5238\u662f\u4ec0\u9ebc\u3001\u600e\u9ebc\u8cb7\uff1f\u53f0\u7063\u8cb7\u50b5\u7ba1\u9053\u3001\u6210\u672c\u82076\u7a2e\u98a8\u96aa<\/a>\u6709\u57fa\u672c\u8aaa\u660e\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u5341\u500b\u6708\u5347 68bp\uff0c\u4e09\u5341\u5e74\u5f80\u4e0b\u7684\u5229\u7387\u8f49\u4e86\u65b9\u5411<\/h2>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/twbond-history.png\" alt=\"1994 \u5e74\u81f3 2026 \u5e74\u53f0\u7063 10 \u5e74\u671f\u516c\u50b5\u5229\u7387\u8d70\u52e2\uff0c\u5f9e 7.24% \u4e00\u8def\u964d\u5230 2021 \u5e74 0.44%\uff0c2026 \u5e74\u6a19\u552e\u5229\u7387\u56de\u5230 2.001%\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u5716 1\u3000\u53f0\u7063 10 \u5e74\u671f\u516c\u50b5\u5229\u7387\uff081994\uff5e2025 \u5e74\u70ba\u6b21\u7d1a\u5e02\u5834\u5e74\u5e73\u5747\uff0c2025\/12\uff5e2026\/10 \u70ba\u6a19\u552e\u6700\u9ad8\u5f97\u6a19\u5229\u7387\uff09\uff1b\u8cc7\u6599\u4f86\u6e90\uff1a\u4e2d\u592e\u9280\u884c<sup>[1][2]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 1 \u986f\u793a\uff0c1994 \u5e74 10 \u5e74\u671f\u516c\u50b5\u5229\u7387\u5e73\u5747\u9084\u6709 7.24%\uff0c\u5230 2021 \u5e74\u53ea\u5269 0.44%\uff0c2021 \u5e74 5 \u6708\u7684\u6a19\u552e\u5229\u7387\u66f4\u4e00\u5ea6\u53ea\u6709 0.400%<sup>[3]<\/sup>\uff0c\u9019\u4e00\u8def\u5f80\u4e0b\u7684\u5229\u7387\uff0c\u8b93\u5b58\u6b3e\u3001\u5132\u84c4\u96aa\u3001\u623f\u8cb8\u548c\u50b5\u5238\u7684\u5831\u916c\u4e00\u8d77\u8b8a\u8584\uff0c\u4e5f\u8b93\u300c\u5229\u7387\u53ea\u6703\u66f4\u4f4e\u300d\u6210\u4e86\u5f88\u591a\u7406\u8ca1\u7fd2\u6163\u80cc\u5f8c\u6c92\u8aaa\u51fa\u53e3\u7684\u524d\u63d0\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4eca\u5e74\u516d\u6b21\u6a19\u552e\u4e00\u6b21\u6bd4\u4e00\u6b21\u9ad8\uff0c\u4ee5\u53f0\u50b5\u5e73\u5e38\u5f88\u5c0f\u7684\u6ce2\u52d5\u4f86\u8aaa\uff0c\u4e00\u5e74\u5167\u5347 68bp \u662f 2022 \u5e74\u5347\u606f\u5faa\u74b0\u4ee5\u4f86\u6700\u5927\u7684\u4e00\u6b21<sup>[4]<\/sup>\uff0c\u9019\u4e00\u671f\u6295\u6a19\u500d\u6578\u53ea\u6709 1.84 \u500d\uff0c\u6700\u9ad8\u5f97\u6a19\u5229\u7387\u4e5f\u6bd4\u52a0\u6b0a\u5e73\u5747\u7684 1.958% \u9ad8\u4e86 4.3bp\uff0c\u627f\u63a5\u7684\u8cb7\u76e4\u6bd4\u524d\u5e7e\u671f\u5f31\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u63a8\u5347\u7684\u529b\u91cf\u6709\u5169\u80a1\uff0c\u570b\u5167\u9019\u908a\uff0c9 \u6708\u6d88\u8cbb\u8005\u7269\u50f9\u5e74\u589e 2.73%\uff0c\u9023\u7e8c\u4e94\u500b\u6708\u8d85\u904e 2%<sup>[5]<\/sup>\uff08\u5176\u4e2d 0.53 \u500b\u767e\u5206\u9ede\u4f86\u81ea\u852c\u679c\uff0c\u6263\u6389\u852c\u679c\u8207\u80fd\u6e90\u7684\u6838\u5fc3\u7269\u50f9\u662f 2.52%\uff09\uff0c9 \u6708\u51fa\u53e3\u5e74\u589e 60.9%\uff0c\u9023\u7e8c 35 \u500b\u6708\u6210\u9577<sup>[6]<\/sup>\uff0c\u592e\u884c\u4e5f\u628a\u4eca\u5e74\u7d93\u6fdf\u6210\u9577\u9810\u6e2c\u4e0a\u4fee\u5230 11.48%<sup>[7]<\/sup>\uff0c\u570b\u5916\u90a3\u908a\uff0c\u5247\u662f\u5168\u7403\u9577\u671f\u5229\u7387\u4e00\u8d77\u5f80\u4e0a\u8d70\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4e0d\u53ea\u53f0\u7063\uff1a\u7f8e\u65e5\u97d3\u9577\u50b5\u5347\u66f4\u591a\uff0c\u53f0\u7063\u4ecd\u662f\u6700\u4f4e<\/h2>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/twbond-global.png\" alt=\"2025 \u5e74 12 \u6708\u5230 2026 \u5e74 9 \u6708\u5404\u570b 10 \u5e74\u671f\u516c\u50b5\u5229\u7387\u8b8a\u52d5\uff0c\u5357\u97d3 108bp\u3001\u65e5\u672c 99bp\u3001\u7f8e\u570b 85bp\u3001\u82f1\u570b 76bp\u3001\u53f0\u7063 68bp\u3001\u5fb7\u570b 66bp\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u5716 2\u3000\u5404\u570b 10 \u5e74\u671f\u516c\u50b5\u5229\u7387\u8b8a\u52d5\uff082025 \u5e74 12 \u6708\u21922026 \u5e74 9 \u6708\u6708\u5e73\u5747\uff1b\u53f0\u7063\u70ba\u6a19\u552e\u5229\u7387\uff0c\u81f3 10\/20\uff09\uff1b\u8cc7\u6599\u4f86\u6e90\uff1aFRED<sup>[8]<\/sup>\u3001\u4e2d\u592e\u9280\u884c<sup>[1]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 2 \u986f\u793a\uff0c\u53f0\u7063 68bp \u7684\u5347\u5e45\u5728\u516d\u500b\u5e02\u5834\u88e1\u6392\u5728\u4e2d\u6bb5\uff0c\u6c34\u6e96\u537b\u662f\u6700\u4f4e\uff0c\u7f8e\u570b 10 \u5e74\u671f\u516c\u50b5\u6b96\u5229\u7387 10 \u6708 19 \u65e5\u662f 5.15%<sup>[8]<\/sup>\uff0c\u6bd4\u53f0\u7063\u9ad8\u4e86\u7d04 3 \u500b\u767e\u5206\u9ede\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u5dee\u8ddd\u6703\u5f71\u97ff\u9322\u5f80\u54ea\u88e1\u8dd1\uff0c\u6c92\u6709\u505a\u532f\u7387\u907f\u96aa\u7684\u8cc7\u91d1\u653e\u5728\u7f8e\u5143\u8cc7\u7522\uff0c\u6bcf\u5e74\u53ef\u4ee5\u591a\u62ff\u7d04 3 \u500b\u767e\u5206\u9ede\u7684\u5229\u606f\uff0c\u6240\u4ee5\u53f0\u7063 9 \u6708\u51fa\u53e3\u5275\u65b0\u9ad8\uff0c\u65b0\u53f0\u5e63\u9084\u662f\u5728 10 \u6708 20 \u65e5\u8cb6\u5230 32.617 \u5143\uff0c\u662f 18 \u500b\u6708\u4f86\u6700\u5f31<sup>[9]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6709\u500b\u7d30\u7bc0\u503c\u5f97\u6ce8\u610f\uff0c\u4eca\u5e74\u7f8e\u5143\u672c\u8eab\u4e26\u4e0d\u5f37\uff0c\u7f8e\u5143\u5ee3\u7fa9\u6307\u6578\u5f9e\u53bb\u5e74 12 \u6708\u5230\u4eca\u5e74 9 \u6708\u5c0f\u8dcc 0.8%\uff0c\u5f9e\u53bb\u5e74\u5e95\u5230 10 \u6708 16 \u65e5\uff0c\u5229\u7387\u8f03\u9ad8\u7684\u97d3\u5143\u5c0d\u7f8e\u5143\u5347\u4e86 8.0%\uff0c\u5229\u7387\u6700\u4f4e\u7684\u65b0\u53f0\u5e63\u53cd\u800c\u8cb6\u4e86 3.0%<sup>[8]<\/sup>\uff0c\u9019\u4e00\u6ce2\u65b0\u53f0\u5e63\u504f\u5f31\uff0c\u6bd4\u8f03\u50cf\u53f0\u7063\u81ea\u5df1\u7684\u5229\u5dee\u548c\u8cc7\u91d1\u5916\u6d41\uff0c\u4e0d\u662f\u5168\u7403\u7f8e\u5143\u8d70\u5f37\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u65b0\u53f0\u5e63\u6f32\u8dcc\u5c0d\u53f0\u80a1\u8207\u6d77\u5916\u8cc7\u7522\u7684\u5f71\u97ff\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=18848\">\u53f0\u5e63\u8cb6\u503c\u53f0\u80a1\u6703\u8dcc\u55ce\uff1f\u8cb6\u8d85\u904e2%\u7684\u6708\u4efd\u4e03\u6210\u4e0b\u8dcc<\/a>\u6709\u5b8c\u6574\u6578\u64da\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u904e\u53bb\u53f0\u7063\u5229\u7387\u4e0a\u5347\uff0c\u80a1\u5e02\u548c\u532f\u7387\u6709\u5169\u7a2e\u7d50\u5c40<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u671f\u9593<\/th>\n<th>\u7576\u6642\u7684\u74b0\u5883<\/th>\n<th>\u52a0\u6b0a\u6307\u6578<\/th>\n<th>\u65b0\u53f0\u5e63\u5c0d\u7f8e\u5143<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2004\/09\uff5e2008\/06<\/td>\n<td>\u592e\u884c\u5347\u606f 16 \u6b21\uff081.375%\u21923.625%\uff09\uff0c\u51fa\u53e3\u5f37\u3001\u8cc7\u91d1\u6d41\u5165<\/td>\n<td>+28.7%<\/td>\n<td>\u5347 12.0%<\/td>\n<\/tr>\n<tr>\n<td>2010\/05\uff5e2011\/06<\/td>\n<td>\u592e\u884c\u5347\u606f 5 \u6b21\uff081.25%\u21921.875%\uff09\uff0c\u91d1\u878d\u6d77\u562f\u5f8c\u5fa9\u7526<\/td>\n<td>+17.3%<\/td>\n<td>\u5347 11.1%<\/td>\n<\/tr>\n<tr>\n<td>2022\/02\uff5e2023\/03<\/td>\n<td>\u592e\u884c\u5347\u606f 5 \u6b21\uff081.125%\u21921.875%\uff09\uff0c\u8ddf\u8457\u5168\u7403\u7dca\u7e2e<\/td>\n<td>\u221210.1%<\/td>\n<td>\u8cb6 8.0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u52a0\u6b0a\u6307\u6578\u70ba\u50f9\u683c\u6307\u6578\uff0c\u4e0d\u542b\u80a1\u606f\uff1b\u65b0\u53f0\u5e63\u53d6\u6708\u5e95\u532f\u7387\uff1b\u8cc7\u6599\u4f86\u6e90\uff1a\u4e2d\u592e\u9280\u884c<sup>[2]<\/sup>\u3001FRED<sup>[8]<\/sup>\u3001Yahoo Finance<sup>[10]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u524d\u5169\u6b21\u662f\u53f0\u7063\u81ea\u5df1\u666f\u6c23\u597d\u3001\u8cc7\u91d1\u6d41\u9032\u4f86\uff0c\u592e\u884c\u8ddf\u8457\u5347\u606f\uff0c\u80a1\u5e02\u548c\u65b0\u53f0\u5e63\u4e00\u8d77\u6f32\uff0c2022 \u5e74\u5247\u662f\u5168\u7403\u4e00\u8d77\u7dca\u7e2e\u3001\u8cc7\u91d1\u6d41\u51fa\uff0c\u80a1\u5e02\u548c\u65b0\u53f0\u5e63\u4e00\u8d77\u8dcc\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u76f4\u89ba\u6703\u4ee5\u70ba\u5dee\u5225\u5728\u7f8e\u570b\u6709\u6c92\u6709\u5347\u606f\uff0c\u5176\u5be6\u4e0d\u662f\uff0c2004 \u5e74 6 \u6708\u5230 2006 \u5e74 6 \u6708\uff0c\u806f\u6e96\u6703\uff08Federal Reserve\uff0cFed\uff09\u4e5f\u628a\u5229\u7387\u5f9e 1% \u5de6\u53f3\u5347\u5230 5.25%\uff0c\u5e45\u5ea6\u548c 2022 \u5e74\u5dee\u4e0d\u591a\uff0c\u65b0\u53f0\u5e63\u7167\u6a23\u5347\u503c\uff0c\u771f\u6b63\u7684\u5dee\u5225\u5728\u7f8e\u570b\u9577\u671f\u5229\u7387\u5347\u5f97\u591a\u5feb\u3001\u7f8e\u5143\u5f37\u4e0d\u5f37\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u671f\u9593<\/th>\n<th>\u7f8e\u570b 10 \u5e74\u671f\u516c\u50b5<\/th>\n<th>\u7f8e\u570b 10 \u5e74\u671f\u5be6\u8cea\u5229\u7387<\/th>\n<th>\u7f8e\u5143<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2004\/06\uff5e2006\/06<\/td>\n<td>+38bp<\/td>\n<td>+38bp<\/td>\n<td>\u8d70\u5f31<\/td>\n<\/tr>\n<tr>\n<td>2021\/12\uff5e2022\/10<\/td>\n<td>+251bp<\/td>\n<td>+258bp<\/td>\n<td>\u7f8e\u5143\u5ee3\u7fa9\u6307\u6578 +10%<\/td>\n<\/tr>\n<tr>\n<td>2025\/12\uff5e2026\/09<\/td>\n<td>+85bp<\/td>\n<td>+74bp<\/td>\n<td>\u7f8e\u5143\u5ee3\u7fa9\u6307\u6578 \u22120.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u6708\u5e73\u5747\uff1b\u5be6\u8cea\u5229\u7387\u70ba 10 \u5e74\u671f\u6297\u901a\u81a8\u516c\u50b5\uff08TIPS\uff09\u6b96\u5229\u7387\uff1b\u8cc7\u6599\u4f86\u6e90\uff1aFRED<sup>[8]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/em><\/p>\n\n<h2 class=\"wp-block-heading\">\u9019\u6b21\u50cf 2006 \u9084\u662f 2022\uff1f\u51fa\u53e3\u50cf\u524d\u8005\uff0c\u8cc7\u91d1\u50cf\u5f8c\u8005<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u770b\u4ec0\u9ebc<\/th>\n<th>2006 \u578b<\/th>\n<th>2022 \u578b<\/th>\n<th>\u73fe\u5728\uff082026 \u5e74 10 \u6708\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5229\u7387\u70ba\u4ec0\u9ebc\u4e0a\u5347<\/td>\n<td>\u570b\u5167\u666f\u6c23\u597d\uff0c\u592e\u884c\u4e3b\u52d5\u5347\u606f<\/td>\n<td>\u8ddf\u8457\u5168\u7403\u7dca\u7e2e<\/td>\n<td>\u592e\u884c 2024 \u5e74 3 \u6708\u4ee5\u4f86\u7dad\u6301 2%<sup>[7]<\/sup>\uff0c\u9577\u671f\u5229\u7387\u88ab\u5168\u7403\u62c9\u9ad8<\/td>\n<\/tr>\n<tr>\n<td>\u7f8e\u570b\u9577\u671f\u5229\u7387\u8207\u7f8e\u5143<\/td>\n<td>\u7de9\u5347\uff0c\u7f8e\u5143\u8d70\u5f31<\/td>\n<td>\u6025\u5347\uff0c\u7f8e\u5143\u8d70\u5f37<\/td>\n<td>\u4e2d\u7b49\u901f\u5ea6\uff0c\u7f8e\u5143\u6301\u5e73<\/td>\n<\/tr>\n<tr>\n<td>\u5916\u8cc7<\/td>\n<td>\u8cc7\u91d1\u6d41\u5165<\/td>\n<td>\u5168\u5e74\u8ce3\u8d85 1.23 \u5146\u5143<sup>[11]<\/sup><\/td>\n<td>\u4eca\u5e74\u81f3 10\/20 \u8ce3\u8d85\u7d04 2.11 \u5146\u5143\uff0c\u53f2\u4e0a\u6700\u591a<sup>[12]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>\u65b0\u53f0\u5e63<\/td>\n<td>\u6301\u5e73\u6216\u5347\u503c<\/td>\n<td>\u5168\u5e74\u8cb6 9.7%<\/td>\n<td>\u4eca\u5e74\u8cb6\u7d04 4%\uff0c18 \u500b\u6708\u65b0\u4f4e<\/td>\n<\/tr>\n<tr>\n<td>\u51fa\u53e3<\/td>\n<td>\u5169\u4f4d\u6578\u6210\u9577<\/td>\n<td>\u524d\u9ad8\u5f8c\u4f4e<\/td>\n<td>9 \u6708\u5e74\u589e 60.9%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u9019\u6b21\u7684\u51fa\u53e3\u548c\u7372\u5229\u50cf 2006 \u5e74\uff0c\u751a\u81f3\u66f4\u5f37\uff0c\u8cc7\u91d1\u548c\u5229\u7387\u537b\u6bd4\u8f03\u50cf 2022 \u5e74\uff0c\u9019\u7a2e\u7d44\u5408\u901a\u5e38\u4e0d\u662f\u55ae\u908a\u7684\u884c\u60c5\uff0c\u7372\u5229\u6490\u4f4f\u4e0b\u6a94\uff0c\u4f30\u503c\u5247\u88ab\u9ad8\u5229\u7387\u548c\u8cc7\u91d1\u5916\u6d41\u58d3\u8457\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8981\u5206\u8fa8\u63a5\u4e0b\u4f86\u5f80\u54ea\u908a\u8d70\uff0c\u53ef\u4ee5\u770b\u56db\u500b\u8a0a\u865f\uff0c\u5916\u8cc7\u4ec0\u9ebc\u6642\u5019\u505c\u6b62\u8ce3\u8d85\u3001\u7f8e\u570b 10 \u5e74\u671f\u516c\u50b5\u6b96\u5229\u7387\u662f\u56de\u843d\u9084\u662f\u7e7c\u7e8c\u5f80\u4e0a\u3001\u6bcf\u6708\u51fa\u53e3\u80fd\u4e0d\u80fd\u7dad\u6301\u9ad8\u6210\u9577\u3001\u65b0\u53f0\u5e63\u662f\u7a69\u4f4f\u9084\u662f\u52a0\u901f\u8d70\u8cb6\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u8b80\u5230\u9019\u88e1\uff0c\u958b\u59cb\u60f3\u81ea\u5df1\u7684\u80a1\u50b5\u6bd4\u4f8b\u5728\u9019\u7a2e\u74b0\u5883\u4e0b\u8a72\u600e\u9ebc\u653e\uff0c\u53ef\u4ee5\u5148\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14764\">\u80a1\u50b5\u914d\u7f6e\u7d42\u6975\u6307\u5357\uff1a\u5f9e\u80a1\u50b5\u6bd4\u4f8b\u5230ETF\u63a8\u85a6\u4e00\u6b21\u641e\u61c2\uff01<\/a>\uff0c\u88e1\u9762\u6709\u4e0d\u540c\u80a1\u50b5\u6bd4\u4f8b\u5728\u6b77\u53f2\u4e0a\u6700\u5dee\u4e00\u5e74\u7684\u5c0d\u7167\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-mid alpha-cta-news has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left-color:#006ece;border-left-width:4px;background-color:#f3f7fb;padding:16px 20px\">\n<p class=\"wp-block-paragraph\"><strong>\u5e02\u5834\u8b8a\u5316\u5c0d\u8cc7\u7522\u914d\u7f6e\u7684\u5f71\u97ff\uff0c\u6211\u5011\u6574\u7406\u5728\u300a\u963f\u723e\u767c\u89c0\u9ede\u300b\u96fb\u5b50\u5831<\/strong><\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-7b4500cd wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"#sib-form\" style=\"border-radius:50px;color:#ffffff;background-color:#006ece;border:2px solid #006ece;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\"><strong>\u8a02\u95b1\u963f\u723e\u767c\u89c0\u9ede\u96fb\u5b50\u5831<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u50b5\u3001\u623f\u3001\u5b58\u6b3e\uff1a\u5229\u7387 2% \u5c0d\u624b\u4e0a\u8cc7\u7522\u4ee3\u8868\u4ec0\u9ebc<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5148\u8aaa\u50b5\u5238\uff0c\u5229\u7387\u4e0a\u5347\uff0c\u5df2\u7d93\u6301\u6709\u7684\u50b5\u5238\u50f9\u683c\u6703\u8dcc\uff0c\u5b58\u7e8c\u671f\u9593 9 \u5e74\u5de6\u53f3\u7684 10 \u5e74\u671f\u516c\u50b5\uff0c\u5229\u7387\u5f9e 1.32% \u5347\u5230 2.0%\uff0c\u50f9\u683c\u5927\u7d04\u8dcc 6%\uff0c\u5b58\u7e8c\u671f\u9593\u600e\u9ebc\u7b97\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1726\">\u5b58\u7e8c\u671f\u9593\u662f\u4ec0\u9ebc\uff1f\u5b58\u7e8c\u671f\u95937\u5e74\uff0c\u5229\u7387\u53471%\u50b5\u50f9\u7d04\u8dcc7%<\/a>\u6709\u8aaa\u660e\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\/twbond-breakeven.png\" alt=\"\u53f0\u7063\u3001\u65e5\u672c\u3001\u7f8e\u570b 10 \u5e74\u671f\u516c\u50b5\u6301\u6709\u4e00\u5e74\u7684\u640d\u76ca\u5169\u5e73\u5347\u5e45\uff0c\u53f0\u7063\u7d04 22bp\u3001\u65e5\u672c\u7d04 34bp\u3001\u7f8e\u570b\u7d04 67bp\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u5716 3\u3000\u6301\u6709\u4e00\u5e74\u7684\u640d\u76ca\u5169\u5e73\u5347\u5e45\uff0c\u5373\u4e00\u5e74\u5167\u6b96\u5229\u7387\u518d\u4e0a\u5347\u591a\u5c11\uff0c\u50f9\u683c\u640d\u5931\u6703\u5403\u6389\u5168\u5e74\u5229\u606f\uff08\u5e74\u4ed8\u606f\u5e73\u50f9\u50b5\u8fd1\u4f3c\uff0c\u672a\u8a08\u6efe\u964d\u8207\u51f8\u6027\uff09\uff1b\u6b96\u5229\u7387\uff1a\u53f0\u7063 10\/20<sup>[1]<\/sup>\u3001\u65e5\u672c 10\/16<sup>[13]<\/sup>\u3001\u7f8e\u570b 10\/19<sup>[8]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a08\u7b97<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 3 \u986f\u793a\uff0c\u53f0\u50b5 2% \u7684\u5229\u606f\u5f88\u8584\uff0c\u4e00\u5e74\u5167\u6b96\u5229\u7387\u53ea\u8981\u518d\u5347\u7d04 22bp \u5c31\u6703\u628a\u5168\u5e74\u5229\u606f\u5403\u6389\uff0c\u7f8e\u50b5 5.15% \u7684\u7de9\u885d\u7d04 67bp\uff0c\u53f0\u50b5\u5229\u7387\u96d6\u7136\u5275 18 \u5e74\u65b0\u9ad8\uff0c\u5f9e\u50b5\u5238\u7684\u89d2\u5ea6\u770b\uff0c\u5b83\u7684\u7de9\u885d\u4ecd\u5728\u5168\u7403\u6700\u8584\u7684\u90a3\u4e00\u7aef\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b58\u6b3e\u9019\u908a\uff0c\u81fa\u7063\u9280\u884c\u4e00\u5e74\u671f\u5b9a\u5b58\u56fa\u5b9a\u5229\u7387\u76ee\u524d\u662f 1.70%<sup>[14]<\/sup>\uff0c\u5c0d\u77ed\u671f\u8981\u7528\u7684\u9322\u662f\u597d\u4e8b\uff0c\u4e0d\u904e\u6263\u6389 2% \u4e0a\u4e0b\u7684\u7269\u50f9\uff0c\u5be6\u8cea\u5831\u916c\u63a5\u8fd1\u96f6\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u623f\u5b50\u6bd4\u8f03\u7279\u5225\uff0c\u53f0\u7063\u623f\u8cb8\u591a\u534a\u662f\u6a5f\u52d5\u5229\u7387\uff0c\u592e\u884c\u5347\u606f\u6703\u76f4\u63a5\u53cd\u6620\u5728\u6708\u4ed8\u91d1\uff0c\u5347\u4e00\u78bc\u5c0d\u623f\u8cb8\u7684\u5f71\u97ff\uff0c\u5728<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=17298\">\u592e\u884c\u7406\u76e3\u4e8b\u6703 2026\uff1a\u5229\u7387\u6c7a\u8b70\u3001\u4e0b\u6b21\u958b\u6703\u65e5\u671f\u8207\u623f\u8cb8\u5347\u606f\u8a66\u7b97<\/a>\u6709\u8a66\u7b97\uff0c\u4e0d\u904e\u904e\u53bb\u7684\u7d93\u9a57\u662f\uff0c2004 \u5230 2008 \u5e74\u592e\u884c\u5347\u606f 16 \u6b21\uff0c\u623f\u50f9\u6574\u9ad4\u4ecd\u662f\u4e0a\u6f32\u7684\uff0c\u771f\u6b63\u8b93\u623f\u5e02\u964d\u6eab\u7684\u901a\u5e38\u662f\u4fe1\u7528\u7ba1\u5236\uff0c\u800c\u592e\u884c 9 \u6708 17 \u65e5\u53cd\u800c\u628a\u7b2c\u4e8c\u6236\u623f\u8cb8\u6210\u6578\u5f9e 6 \u6210\u653e\u5bec\u5230 7 \u6210<sup>[7]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f30\u503c\u4e0a\u6709\u4e00\u500b\u8a0a\u865f\uff0c\u53f0\u5317\u4f4f\u5b85\u7684\u6bdb\u79df\u91d1\u6536\u76ca\u7387\u7d04 1.5% \u5230 1.9%<sup>[15][16]<\/sup>\uff0c\u5df2\u7d93\u4f4e\u65bc 10 \u5e74\u671f\u516c\u50b5\u7684 2%\uff0c\u52a0\u4e0a\u79df\u91d1\u6bcf\u5e74\u7684\u6210\u9577\uff089 \u6708\u623f\u79df\u5e74\u589e 1.72%<sup>[5]<\/sup>\uff09\uff0c\u6301\u6709\u623f\u7522\u7684\u7e3d\u5831\u916c\u4ecd\u9ad8\u65bc\u516c\u50b5\uff0c\u4f46\u6263\u6389\u7a05\u8cbb\u3001\u7a7a\u5c4b\u8207\u4fee\u7e55\u4e4b\u5f8c\uff0c\u623f\u7522\u6bd4\u516c\u50b5\u591a\u51fa\u4f86\u7684\u5831\u916c\u5df2\u7d93\u5f88\u8584\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u9019\u6b21\u6700\u503c\u5f97\u6ce8\u610f\u7684\u4e0d\u662f 2% \u9019\u500b\u6578\u5b57\uff0c\u800c\u662f\u65b9\u5411\uff0c\u904e\u53bb\u4e09\u5341\u5e74\u5f88\u591a\u7406\u8ca1\u7fd2\u6163\uff0c\u50cf\u662f\u9577\u671f\u7684\u9322\u653e\u5b9a\u5b58\u3001\u7528\u5132\u84c4\u96aa\u9396\u5229\u7387\u3001\u8cb7\u623f\u9760\u4f4e\u5229\u7387\u6490\u4f4f\u6708\u4ed8\u91d1\uff0c\u80cc\u5f8c\u90fd\u6709\u4e00\u500b\u6c92\u8aaa\u51fa\u53e3\u7684\u524d\u63d0\uff1a\u5229\u7387\u53ea\u6703\u66f4\u4f4e\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\u6211\u4e0d\u6703\u56e0\u70ba\u53f0\u50b5\u7834 2% \u5c31\u53bb\u731c\u592e\u884c\u4e0b\u4e00\u6b65\uff0c\u7562\u7adf\u53f0\u7063\u7684\u5229\u7387\u4ecd\u662f\u4e3b\u8981\u5e02\u5834\u6700\u4f4e\uff0c\u5c0d\u4ee5\u65b0\u53f0\u5e63\u70ba\u4e3b\u7684\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u66f4\u9700\u8981\u6aa2\u67e5\u7684\u662f\u65b0\u53f0\u5e63\u548c\u6d77\u5916\u8cc7\u7522\u7684\u6bd4\u4f8b\uff0c\u4ee5\u53ca\u624b\u4e0a\u7684\u50b5\u5238\u5b58\u7e8c\u671f\u9593\uff0c\u662f\u4e0d\u662f\u9577\u5230\u4e00\u5e74\u7684\u5229\u606f\u64cb\u4e0d\u4f4f\u5229\u7387\u7684\u6ce2\u52d5\uff08\u5229\u7387\u63a5\u4e0b\u4f86\u600e\u9ebc\u8d70\uff0c\u6211\u4e0d\u77e5\u9053\uff0c\u6c92\u6709\u4eba\u77e5\u9053\uff0c\u6240\u4ee5\u624d\u8981\u5148\u7b97\u81ea\u5df1\u627f\u53d7\u5f97\u8d77\u591a\u5c11\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7528\u98db\u884c\u4f86\u6bd4\u55bb\uff0c\u5229\u7387\u50cf\u9ad8\u7a7a\u7684\u98a8\u5411\uff0c\u98a8\u5411\u8f49\u4e86\uff0c\u822a\u7dda\u4e0d\u4e00\u5b9a\u8981\u6539\uff0c\u4f46\u6cb9\u91cf\u548c\u9810\u7559\u7684\u6642\u9593\u8981\u91cd\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u60f3\u7559\u4e00\u500b\u554f\u984c\u7d66\u4f60\uff1a\u4f60\u73fe\u5728\u7684\u7406\u8ca1\u65b9\u5f0f\uff0c\u6709\u54ea\u5e7e\u9805\u662f\u5efa\u7acb\u5728\u300c\u5229\u7387\u6703\u4e00\u76f4\u5f88\u4f4e\u300d\u4e0a\u9762\uff1f<\/p>\n\n<h2 class=\"wp-block-heading\">\u63a5\u4e0b\u4f86\u8981\u770b\u7684\u65e5\u671f<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u65e5\u671f<\/th>\n<th>\u4e8b\u4ef6<\/th>\n<th>\u4f86\u6e90<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>10\/29\uff08\u53f0\u7063\u6642\u9593\u51cc\u6668\uff09<\/td>\n<td>\u806f\u6e96\u6703\u5229\u7387\u6c7a\u8b70<\/td>\n<td>\u806f\u6e96\u6703<sup>[17]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>11\/4<\/td>\n<td>30 \u5e74\u671f\u516c\u50b5\u6a19\u552e<\/td>\n<td>\u8ca1\u653f\u90e8\u570b\u5eab\u7f72<sup>[18]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>11 \u6708\u4e0a\u65ec<\/td>\n<td>10 \u6708\u6d88\u8cbb\u8005\u7269\u50f9\u300110 \u6708\u51fa\u53e3<\/td>\n<td>\u4e3b\u8a08\u7e3d\u8655\u3001\u8ca1\u653f\u90e8<\/td>\n<\/tr>\n<tr>\n<td>11\/28<\/td>\n<td>\u5730\u65b9\u516c\u8077\u4eba\u54e1\u9078\u8209<\/td>\n<td>\u4e2d\u592e\u9078\u8209\u59d4\u54e1\u6703<\/td>\n<\/tr>\n<tr>\n<td>12\/7<\/td>\n<td>10 \u5e74\u671f\u516c\u50b5\u589e\u984d\u6a19\u552e<\/td>\n<td>\u8ca1\u653f\u90e8\u570b\u5eab\u7f72<sup>[18]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>12\/10\uff08\u53f0\u7063\u6642\u9593\u51cc\u6668\uff09<\/td>\n<td>\u806f\u6e96\u6703\u5229\u7387\u6c7a\u8b70<\/td>\n<td>\u806f\u6e96\u6703<sup>[17]<\/sup><\/td>\n<\/tr>\n<tr>\n<td>12\/17<\/td>\n<td>\u592e\u884c\u7406\u76e3\u4e8b\u6703<\/td>\n<td>\u4e2d\u592e\u9280\u884c<sup>[7]<\/sup><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-end alpha-cta-news has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#f3f7fb;padding:32px 20px\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-size:clamp(16.834px, 1.052rem + ((1vw - 3.2px) * 0.716), 26px);font-weight:700\">\u5e02\u5834\u8b8a\u52d5\uff0c\u4e0d\u7528\u6bcf\u5929\u8ffd<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u8a02\u95b1\u300a\u963f\u723e\u767c\u89c0\u9ede\u300b\u96fb\u5b50\u5831\uff0c\u6536\u5230\u5c08\u5bb6\u89c0\u9ede\u8207\u6d3b\u52d5\u63d0\u9192<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe0a7de2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"#sib-form\" style=\"border-radius:50px;color:#ffffff;background-color:#006ece;border:2px solid #006ece;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\"><strong>\u8a02\u95b1\u963f\u723e\u767c\u89c0\u9ede\u96fb\u5b50\u5831<\/strong><\/a><\/div>\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#00b900;background-color:#ffffff;border:2px solid #00b900;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.234), 17px);line-height:1.4;padding:10px 26px\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u52a0 LINE \u554f\u9867\u554f<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n<h3 class=\"wp-block-heading\">\u53f0\u50b5\u5229\u7387\u4e0a\u5347\uff0c\u50b5\u5238 ETF \u6703\u8dcc\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5df2\u7d93\u6301\u6709\u7684\u50b5\u5238\u50f9\u683c\u6703\u8dcc\uff0c\u8dcc\u591a\u5c11\u770b\u5b58\u7e8c\u671f\u9593\uff0c\u5b58\u7e8c\u671f\u9593 9 \u5e74\u5de6\u53f3\u7684\u50b5\u5238\uff0c\u5229\u7387\u6bcf\u5347 1 \u500b\u767e\u5206\u9ede\uff0c\u50f9\u683c\u7d04\u8dcc 9%\uff0c\u4e0d\u904e\u4e4b\u5f8c\u6536\u5230\u7684\u5229\u606f\u4e5f\u8b8a\u9ad8\uff0c\u6301\u6709\u8d8a\u4e45\uff0c\u8d8a\u591a\u7684\u50f9\u683c\u640d\u5931\u6703\u88ab\u5229\u606f\u88dc\u56de\u4f86\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u53f0\u7063\u592e\u884c\u6703\u8ddf\u8457\u5347\u606f\u55ce\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u592e\u884c 9 \u6708 17 \u65e5\u7dad\u6301\u91cd\u8cbc\u73fe\u7387 2%\uff0c\u662f 2024 \u5e74 3 \u6708\u4ee5\u4f86\u9023\u7e8c\u7b2c\u5341\u6b21\u4e0d\u52d5\uff0c\u7406\u7531\u662f\u4eca\u5e74\u901a\u81a8\u5c1a\u5c6c\u53ef\u63a7\u3001\u660e\u5e74\u53ef\u671b\u56de\u5230 2% \u4ee5\u4e0b<sup>[7]<\/sup>\uff0c\u4e0b\u4e00\u6b21\u7406\u76e3\u4e8b\u6703\u662f 12 \u6708 17 \u65e5\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u53f0\u50b5\u5229\u7387\u6bd4\u7f8e\u50b5\u4f4e\u9019\u9ebc\u591a\uff0c\u70ba\u4ec0\u9ebc\u9084\u6709\u4eba\u8cb7\uff1f<\/h3>\n\n<p 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class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>[1] \u4e2d\u592e\u9280\u884c\uff082026a\uff0c10 \u6708 20 \u65e5\uff09\u3002<em>115 \u5e74\u7532\u985e\u7b2c 9 \u671f\uff0810 \u5e74\u671f\uff09\u4e2d\u592e\u653f\u5e9c\u5efa\u8a2d\u516c\u50b5\u958b\u6a19\u7d50\u679c<\/em>\u3002https:\/\/www.cbc.gov.tw\/tw\/cp-302-193051-3d59b-1.html<\/li>\n<li>[2] \u4e2d\u592e\u9280\u884c\uff082026b\uff09\u3002<em>\u4e3b\u8981\u5229\u7387\u5e74\u8cc7\u6599<\/em>\u3002https:\/\/www.cbc.gov.tw\/public\/data\/economic\/statistics\/key\/interest-y.pdf<\/li>\n<li>[3] \u4e2d\u592e\u9280\u884c\uff082021\uff0c5 \u6708 4 \u65e5\uff09\u3002<em>\u672c\u884c\u53d7\u8ca1\u653f\u90e8\u59d4\u8a17\u6a19\u552e 10 \u5e74\u671f 110 \u5e74\u5ea6\u4e59\u985e\u7b2c 1 \u671f\u4e2d\u592e\u653f\u5e9c\u5efa\u8a2d\u516c\u50b5\u958b\u6a19\u7d50\u679c<\/em>\u3002https:\/\/www.cbc.gov.tw\/tw\/cp-302-134736-07876-1.html<\/li>\n<li>[4] \u5de5\u5546\u6642\u5831\uff082026\uff0c10 \u6708 21 \u65e5\uff09\u3002<em>10 \u5e74\u671f\u516c\u50b5 \u5f97\u6a19\u5229\u7387\u7834 2\uff05<\/em>\u3002https:\/\/www.ctee.com.tw\/news\/20261021700160-439901<\/li>\n<li>[5] \u4e2d\u592e\u793e\uff082026\uff0c10 \u6708 7 \u65e5\uff09\u3002<em>9 \u6708 CPI \u5e74\u589e 2.73% \u5275\u903e 2 \u5e74\u534a\u6700\u5927\u589e\u901f \u4f30 10 \u6708\u6f32\u52e2\u6536\u6582<\/em>\u3002https:\/\/www.cna.com.tw\/news\/afe\/202610070276.aspx<\/li>\n<li>[6] \u512a\u5206\u6790\uff082026\uff0c10 \u6708\uff09\u3002<em>\u3008\u9032\u51fa\u53e3\u7d71\u8a08\u3009\u9a5a\u5947\u300c\u4e09\u9ad8\u300d\uff019 \u6708\u51fa\u53e3\u9023 35 \u7d05\u5beb\u6700\u9577\u7d00\u9304 \u9032\u53e3\u53ca\u51fa\u8d85\u540c\u5275\u65b0\u9ad8<\/em>\u3002https:\/\/uanalyze.com.tw\/articles\/9564756767<\/li>\n<li>[7] \u4e2d\u592e\u9280\u884c\uff082026c\uff0c9 \u6708 17 \u65e5\uff09\u3002<em>\u4e2d\u592e\u9280\u884c\u7406\u76e3\u4e8b\u806f\u5e2d\u6703\u8b70\u6c7a\u8b70\u65b0\u805e\u7a3f<\/em>\u3002https:\/\/www.cbc.gov.tw\/tw\/cp-302-192864-4319f-1.html<\/li>\n<li>[8] Federal Reserve Bank of St. Louis. (2026). <em>Long-term government bond yields (IRLTLT01), 10-year Treasury (GS10, DGS10, DFII10), nominal broad U.S. dollar index (DTWEXBGS), and exchange rates (DEXTAUS, DEXKOUS)<\/em> [Data set]. FRED. https:\/\/fred.stlouisfed.org\/<\/li>\n<li>[9] \u5de5\u5546\u6642\u5831\uff082026\uff0c10 \u6708 20 \u65e5\uff09\u3002<em>\u65b0\u53f0\u5e63\u8cb6\u5230\u592e\u884c\u51fa\u4f86\u558a\u8a71 \u5916\u8cc7\u4e0b\u624b\u592a\u72e0\u6210\u91cd\u632b\u5143\u5147<\/em>\u3002https:\/\/www.ctee.com.tw\/news\/20261020700048-439901<\/li>\n<li>[10] Yahoo Finance. (2026). <em>TSEC weighted index (^TWII) monthly data<\/em> [Data set]. https:\/\/finance.yahoo.com\/quote\/%5ETWII\/<\/li>\n<li>[11] \u7d93\u6fdf\u65e5\u5831\uff082026\uff0c7 \u6708 27 \u65e5\uff09\u3002<em>\u5916\u8cc7\u4eca\u5e74\u4f86\u8ce3\u8d85\u53f0\u80a1 1.6 \u5146\u5143<\/em>\u3002https:\/\/money.udn.com\/money\/story\/5607\/9652438<\/li>\n<li>[12] \u4e2d\u592e\u793e\uff082026\uff0c10 \u6708 20 \u65e5\uff09\u3002<em>\u5916\u8cc7\u9023 10 \u8ce3\u53f0\u80a1\u3000\u4eca\u5e74\u7d2f\u8a08\u8ce3\u8d85\u898f\u6a21\u903e 2.1 \u5146\u5143<\/em>\u3002https:\/\/www.cna.com.tw\/news\/afe\/202610200226.aspx<\/li>\n<li>[13] Asian Development Bank. (2026). <em>AsianBondsOnline: Japan market summary<\/em> (October 16, 2026). https:\/\/asianbondsonline.adb.org\/japan\/<\/li>\n<li>[14] \u81fa\u7063\u9280\u884c\uff082026\uff0c10 \u6708 21 \u65e5\uff09\u3002<em>\u65b0\u81fa\u5e63\u5b58\uff08\u653e\uff09\u6b3e\u724c\u544a\u5229\u7387<\/em>\u3002https:\/\/rate.bot.com.tw\/twd<\/li>\n<li>[15] Numbeo. (2026). <em>Property prices in Taipei: Gross rental yield<\/em> (updated October 20, 2026). https:\/\/www.numbeo.com\/property-investment\/in\/Taipei<\/li>\n<li>[16] Global Property Guide. (2026). <em>Taiwan rental yields, Q4 2025<\/em>. https:\/\/www.globalpropertyguide.com\/asia\/taiwan\/rental-yields<\/li>\n<li>[17] Board of Governors of the Federal Reserve System. (2026). <em>Meeting calendars and information<\/em>. https:\/\/www.federalreserve.gov\/monetarypolicy\/fomccalendars.htm<\/li>\n<li>[18] \u8ca1\u653f\u90e8\u570b\u5eab\u7f72\uff082026\uff09\u3002<em>\u516c\u544a 115 \u5e74\u5ea6\u7b2c 4 \u5b63\u50b5\u5238\u767c\u884c\u660e\u7d30<\/em>\u3002https:\/\/www.nta.gov.tw\/singlehtml\/238?cntId=f7353a96a585440bb1454a7b4cb5abf0<\/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\u6b77\u53f2\u7d71\u8a08\u4ee5\u516c\u958b\u6307\u6578\u3001\u5229\u7387\u8207\u532f\u7387\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\uff1b\u640d\u76ca\u5169\u5e73\u5347\u5e45\u70ba\u5047\u8a2d\u689d\u4ef6\u4e0b\u4e4b\u8fd1\u4f3c\u4f30\u8a08\uff0c\u975e\u5c0d\u672a\u4f86\u4e4b\u9810\u6e2c\u6216\u4fdd\u8b49\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>\u53f0\u50b510\u5e74\u671f10\/20\u6a19\u552e2.001%\uff0c2008\u5e74\u4f86\u9996\u78342%\uff0c\u4f46\u4ecd\u662f\u4e3b\u8981\u5e02\u5834\u6700\u4f4e\uff1b\u9644\u80a1\u50b5\u623f\u532f\u5c0d\u7167\u3002<\/p>\n","protected":false},"author":3,"featured_media":18841,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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":[6],"tags":[38,1160,134,1159,1158,1161],"class_list":["post-18842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-update","tag-38","tag-1160","tag-134","tag-1159","tag-1158","tag-1161"],"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-159.png","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/18842","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=18842"}],"version-history":[{"count":2,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/18842\/revisions"}],"predecessor-version":[{"id":18850,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/18842\/revisions\/18850"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/18841"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}