{"id":19967,"date":"2026-10-30T15:04:59","date_gmt":"2026-10-30T07:04:59","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=19967"},"modified":"2026-10-30T15:04:59","modified_gmt":"2026-10-30T07:04:59","slug":"%e9%81%b8%e8%88%89%e8%a1%8c%e6%83%85%e6%98%af%e7%9c%9f%e7%9a%84%e5%97%8e%ef%bc%9f%e6%9c%9f%e4%b8%ad%e9%81%b8%e8%88%89%e5%be%8c%e7%be%8e%e8%82%a114%e6%ac%a1%e9%83%bd%e6%bc%b2%ef%bc%8c%e9%99%84%e5%8f%b0","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=19967","title":{"rendered":"\u9078\u8209\u884c\u60c5\u662f\u771f\u7684\u55ce\uff1f\u671f\u4e2d\u9078\u8209\u5f8c\u7f8e\u80a114\u6b21\u90fd\u6f32\uff0c\u9644\u53f0\u7f8e\u5927\u9078\u5831\u916c\u5c0d\u7167\u8868"},"content":{"rendered":"<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u7f8e\u570b\u671f\u4e2d\u9078\u8209\u5728\u7f8e\u6771\u6642\u9593 2026 \u5e74 11 \u6708 3 \u65e5\u6295\u7968\uff0c1970 \u5e74\u4ee5\u4f86 14 \u6b21\u671f\u4e2d\u9078\u8209\uff0c\u9078\u5f8c\u4e00\u5e74 S&amp;P 500 \u542b\u606f\u5831\u916c\u90fd\u662f\u6b63\u7684\uff0c\u5e73\u5747 17.95%\u3002\n\u671f\u4e2d\u9078\u8209\u5e74\u672c\u8eab\u537b\u662f\u7f8e\u570b\u7e3d\u7d71\u4efb\u671f\u56db\u5e74\u88e1\u6700\u96e3\u71ac\u7684\u4e00\u5e74\uff0c\u5168\u5e74\u5e73\u5747\u53ea\u6f32 3.6%\uff0c\u5e74\u5167\u6700\u5927\u8dcc\u5e45\u5e73\u5747 14%\u3002\n\u53f0\u7063 1996 \u5230 2024 \u5e74 8 \u6b21\u7e3d\u7d71\u5927\u9078\uff0c\u53f0\u80a1\u5927\u76e4\u770b\u4e0d\u51fa\u4e00\u81f4\u7684\u9078\u8209\u884c\u60c5\uff1b\u9078\u8209\u662f\u77ed\u671f\u96dc\u97f3\uff0c\u914d\u7f6e\u4e0d\u5fc5\u8ddf\u8457\u9078\u60c5\u6539\u3002<\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">14 \u6b21\uff0c\u662f 1970 \u5e74\u4ee5\u4f86\u7f8e\u570b\u671f\u4e2d\u9078\u8209\u7684\u6b21\u6578\uff0c\u6bcf\u4e00\u6b21\u9078\u5f8c\u4e00\u5e74\uff0cS&amp;P 500 \u542b\u606f\u5831\u916c\u90fd\u662f\u6b63\u7684<sup>[1]<\/sup>\uff0c2026 \u5e74\u7684\u671f\u4e2d\u9078\u8209\u5728\u7f8e\u6771\u6642\u9593 11 \u6708 3 \u65e5\u6295\u7968\uff0c\u53f0\u7063\u6642\u9593 11 \u6708 4 \u65e5\u65e9\u4e0a\u8d77\u9678\u7e8c\u958b\u7968\uff0c\u7d50\u679c\u9084\u6c92\u51fa\u4f86\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9078\u8209\u884c\u60c5\u662f\u6307\u5927\u9078\u524d\u5f8c\uff0c\u80a1\u5e02\u3001\u532f\u5e02\u56e0\u70ba\u9078\u60c5\u8207\u653f\u7b56\u9810\u671f\u51fa\u73fe\u7279\u5b9a\u65b9\u5411\u7684\u6ce2\u52d5\uff0c\u6295\u8cc7\u4eba\u6700\u5e38\u554f\u9078\u524d\u80a1\u7968\u6703\u4e0d\u6703\u6f32\u3001\u9078\u5f8c\u6703\u4e0d\u6703\u8dcc\u3001\u8981\u4e0d\u8981\u56e0\u6b64\u8abf\u6574\u6295\u8cc7\u3002\u628a\u7f8e\u570b\u671f\u4e2d\u9078\u8209\u3001\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u3001\u53f0\u7063\u7e3d\u7d71\u5927\u9078\u4e09\u7d44\u6b77\u53f2\u8cc7\u6599\u653e\u5728\u4e00\u8d77\u770b\uff0c\u7f8e\u80a1\u7684\u671f\u4e2d\u9078\u8209\u5faa\u74b0\u6700\u660e\u986f\uff0c\u4f46\u4e5f\u6700\u4e0d\u9069\u5408\u62ff\u4f86\u9032\u51fa\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">2026 \u7f8e\u570b\u671f\u4e2d\u9078\u8209\uff1a\u6539\u9078\u4ec0\u9ebc\u3001\u4ec0\u9ebc\u6642\u5019\u77e5\u9053\u7d50\u679c<\/h2>\n\n<p class=\"wp-block-paragraph\">\u671f\u4e2d\u9078\u8209\u5728\u7f8e\u570b\u7e3d\u7d71\u56db\u5e74\u4efb\u671f\u7684\u7b2c\u4e8c\u5e74\u8209\u884c\uff0c\u773e\u8b70\u9662 435 \u5e2d\u5168\u90e8\u6539\u9078\uff0c\u53c3\u8b70\u9662 100 \u5e2d\u9019\u6b21\u6539\u9078 35 \u5e2d<sup>[2][3][9]<\/sup>\uff0c\u7e3d\u7d71\u4e0d\u5728\u9078\u7968\u4e0a\uff0c\u4f46\u9078\u6c11\u5e38\u628a\u5b83\u7576\u6210\u5c0d\u57f7\u653f\u9ee8\u7684\u671f\u4e2d\u8003\uff0c\u570b\u6703\u7531\u54ea\u4e00\u9ee8\u63a7\u5236\uff0c\u6c7a\u5b9a\u4e86\u7e3d\u7d71\u63a5\u4e0b\u4f86\u5169\u5e74\u7684\u6cd5\u6848\u3001\u9810\u7b97\u8207\u7a05\u6539\u80fd\u4e0d\u80fd\u904e\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u5167\u5bb9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6295\u7968\u65e5<\/td>\n<td>\u7f8e\u6771\u6642\u9593 2026 \u5e74 11 \u6708 3 \u65e5\uff08\u53f0\u7063\u6642\u9593 11 \u6708 4 \u65e5\u65e9\u4e0a 7 \u9ede\u8d77\u9678\u7e8c\u958b\u7968\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u6539\u9078\u5e2d\u6b21<\/td>\n<td>\u773e\u8b70\u9662 435 \u5e2d\u5168\u90e8\u3001\u53c3\u8b70\u9662 35 \u5e2d<\/td>\n<\/tr>\n<tr>\n<td>\u9078\u524d\u570b\u6703<\/td>\n<td>\u5171\u548c\u9ee8\u540c\u6642\u63a7\u5236\u773e\u8b70\u9662\u8207\u53c3\u8b70\u9662\uff0c\u7e3d\u7d71\u4e5f\u662f\u5171\u548c\u9ee8<\/td>\n<\/tr>\n<tr>\n<td>\u7d50\u679c<\/td>\n<td>\u5f85\u516c\u5e03<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1a\u7f8e\u570b\u773e\u8b70\u9662\u3001\u7f8e\u570b\u53c3\u8b70\u9662\u3001Ballotpedia<sup>[2][3][9]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\uff1b\u958b\u7968\u6642\u9593\u4f9d\u7f8e\u6771\u5404\u5dde\u6295\u7968\u6240\u95dc\u9589\u6642\u9593\u63db\u7b97<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u773e\u8b70\u9662\u5e2d\u6b21\u63a5\u8fd1\u6642\uff0c\u63a7\u5236\u6b0a\u4e0d\u4e00\u5b9a\u7576\u665a\u5c31\u78ba\u5b9a\uff0c2022 \u5e74\u7684\u671f\u4e2d\u9078\u8209\uff0c\u7f8e\u806f\u793e\u5230 11 \u6708 16 \u65e5\u624d\u5ba3\u5e03\u5171\u548c\u9ee8\u62ff\u4e0b\u773e\u8b70\u9662\uff0c\u8ddd\u96e2\u6295\u7968\u65e5\u8d85\u904e\u4e00\u9031<sup>[10]<\/sup>\uff0c\u770b\u7d50\u679c\u6642\uff0c\u6bd4\u8f03\u7a69\u7684\u505a\u6cd5\u662f\u7b49\u5404\u9662\u904e\u534a\u5e2d\u6b21\u78ba\u5b9a\uff0c\u518d\u770b\u5c0d\u81ea\u5df1\u7684\u6295\u8cc7\u6709\u6c92\u6709\u5f71\u97ff\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u671f\u4e2d\u9078\u8209\u5f8c\u4e00\u5e74\uff0c\u7f8e\u80a1 14 \u6b21\u90fd\u4e0a\u6f32<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5716 1 \u986f\u793a\uff0c1970 \u5230 2022 \u5e74 14 \u6b21\u671f\u4e2d\u9078\u8209\uff0c\u5f9e\u9078\u8209\u7576\u5e74 11 \u6708\u521d\u5230\u9694\u5e74 10 \u6708\u5e95\uff0cS&amp;P 500 \u542b\u606f\u5831\u916c\u6700\u4f4e\u662f 2014 \u5e74\u7684 5.2%\uff0c\u6700\u9ad8\u662f 1990 \u5e74\u7684 33.5%\uff0c\u5e73\u5747 17.95%\u3001\u4e2d\u4f4d\u6578 16.15%<sup>[1]<\/sup>\uff1b\u540c\u6a23\u4ee5 11 \u6708\u8d77\u7b97 12 \u500b\u6708\uff0c\u5176\u4ed6\u5e74\u4efd\u5e73\u5747\u7d04 10.9%\uff0c\u800c\u4e14\u6709 7 \u6b21\u4e0b\u8dcc\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\/7410_g42dcmc742.png\" alt=\"1970 \u81f3 2022 \u5e74 14 \u6b21\u7f8e\u570b\u671f\u4e2d\u9078\u8209\u5f8c 12 \u500b\u6708\u7684 S&#038;P 500 \u542b\u606f\u5831\u916c\uff0c\u5168\u90e8\u70ba\u6b63\uff0c\u4f9d\u7e3d\u7d71\u6240\u5c6c\u653f\u9ee8\u5728\u570b\u6703\u5931\u53bb\u54ea\u4e00\u9662\u5206\u8272\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar\uff08S&amp;P 500 \u542b\u606f\u6708\u5831\u916c\uff09\uff1b\u570b\u6703\u7d50\u679c\u4f9d\u7f8e\u570b\u773e\u8b70\u9662\u6b77\u53f2\u8fa6\u516c\u5ba4\u3001\u7f8e\u570b\u53c3\u8b70\u9662\u8cc7\u6599<sup>[1][2][3]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a08\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">14 \u6b21\u5168\u6578\u4e0a\u6f32\u807d\u8d77\u4f86\u5f88\u7a69\uff0c\u4f46\u6a23\u672c\u53ea\u6709 14 \u500b\uff0c\u7d71\u8a08\u4e0a\u548c\u5176\u4ed6\u5e74\u4efd\u7684\u5dee\u8ddd\u9084\u4e0d\u5230\u4e00\u822c\u8a8d\u5b9a\u7684\u986f\u8457\u6c34\u6e96\uff08\u96d9\u5c3e\u6aa2\u5b9a p \u503c\u7d04 0.06\uff09<sup>[1]<\/sup>\uff0c\u5c0d\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u9019\u7d44\u6578\u5b57\u6bd4\u8f03\u9069\u5408\u62ff\u4f86\u56de\u7b54\u300c\u9078\u5f8c\u8981\u4e0d\u8981\u6015\u300d\uff0c\u4e0d\u9069\u5408\u62ff\u4f86\u62bc\u6ce8\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u671f\u4e2d\u9078\u8209\u5e74\u70ba\u4ec0\u9ebc\u5e38\u5148\u8dcc\u5f8c\u6f32\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5716 2 \u628a\u7e3d\u7d71\u4efb\u671f\u56db\u5e74\u62c6\u958b\uff0c\u671f\u4e2d\u9078\u8209\u5e74\u7684\u5168\u5e74\u5e73\u5747\u5831\u916c\u53ea\u6709 3.6%\uff0c13 \u5e74\u88e1\u6709 5 \u5e74\u4e0b\u8dcc\uff0c\u5e74\u5167\u6700\u5927\u8dcc\u5e45\u5e73\u5747 14%\uff0c\u4e09\u9805\u90fd\u662f\u56db\u5e74\u88e1\u6700\u5dee\u7684\uff0c\u63a5\u4e0b\u4f86\u7684\u5927\u9078\u524d\u4e00\u5e74\uff0c\u5e73\u5747\u5831\u916c 20.2%\uff0c14 \u5e74\u5168\u90e8\u4e0a\u6f32<sup>[1]<\/sup>\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\/7410_g42dcmc74s.png\" alt=\"\u7f8e\u570b\u7e3d\u7d71\u4efb\u671f\u56db\u5e74\u5404\u5e74 S&#038;P 500 \u542b\u606f\u5831\u916c\u5e73\u5747\u8207\u5e74\u5167\u6700\u5927\u8dcc\u5e45\u5e73\u5747\uff0c\u671f\u4e2d\u9078\u8209\u5e74\u5831\u916c\u6700\u4f4e\u3001\u8dcc\u5e45\u6700\u5927\uff0c\u5927\u9078\u524d\u4e00\u5e74\u5831\u916c\u6700\u9ad8\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar\uff08S&amp;P 500 \u542b\u606f\u6708\u5831\u916c\uff0c1971\uff5e2025 \u5e74\uff09<sup>[1]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a08\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6bd4\u8f03\u5e38\u898b\u7684\u89e3\u91cb\u6709\u5169\u500b\uff0c\u4e00\u662f\u4e0d\u78ba\u5b9a\u6027\uff0c\u9078\u524d\u5e02\u5834\u4e0d\u77e5\u9053\u570b\u6703\u6703\u4e0d\u6703\u63db\u624b\uff0c\u653f\u7b56\u65b9\u5411\u8ddf\u8457\u61f8\u8457\uff0c\u9078\u5f8c\u4e0d\u7ba1\u7d50\u679c\u662f\u4ec0\u9ebc\uff0c\u61f8\u5ff5\u90fd\u89e3\u9664\u4e86\uff1b\u4e8c\u662f\u653f\u6cbb\u5faa\u74b0\uff0c\u7e3d\u7d71\u5e38\u628a\u8f03\u4e0d\u53d7\u6b61\u8fce\u7684\u653f\u7b56\u653e\u5728\u4efb\u671f\u524d\u534a\uff0c\u63a5\u8fd1\u4e0b\u4e00\u6b21\u5927\u9078\u6642\u5247\u504f\u5411\u63a8\u52d5\u6709\u5229\u7d93\u6fdf\u7684\u63aa\u65bd\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\u9019\u4e9b\u89e3\u91cb\u90fd\u662f\u4e8b\u5f8c\u7684\u8aaa\u6cd5\uff0c\u671f\u4e2d\u9078\u8209\u5e74\u4e5f\u78b0\u904e 1974 \u5e74\u77f3\u6cb9\u5371\u6a5f\u30012002 \u5e74\u7db2\u8def\u6ce1\u6cab\u5f8c\u6bb5\u30012022 \u5e74\u806f\u6e96\u6703\u5feb\u901f\u5347\u606f\uff0c\u8dcc\u5e45\u5927\u7684\u5e74\u4efd\u591a\u534a\u6709\u66f4\u5927\u7684\u7e3d\u9ad4\u4e8b\u4ef6\u30022026 \u5e74\u5230 9 \u6708\u5e95\uff0cS&amp;P 500 \u542b\u606f\u4e0a\u6f32 12.75%\uff0c\u5e74\u5167\u6700\u5927\u8dcc\u5e45 5.7%\uff0c\u6bd4\u6b77\u53f2\u4e0a\u671f\u4e2d\u9078\u8209\u5e74\u7684\u5e73\u5747\u60c5\u6cc1\u6eab\u548c<sup>[1]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u570b\u6703\u63db\u624b\uff0c\u9078\u5f8c\u4e00\u5e74\u8868\u73fe\u6709\u5dee\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4f9d\u9078\u8209\u7d50\u679c\u5206\u7d44\uff0c\u7e3d\u7d71\u6240\u5c6c\u653f\u9ee8\u5728\u570b\u6703\u4e00\u9662\u90fd\u6c92\u5931\u53bb\u7684 7 \u6b21\uff0c\u9078\u5f8c\u4e00\u5e74\u5e73\u5747 23.7%\uff1b\u5931\u53bb\u773e\u8b70\u9662\u7684 3 \u6b21\u5e73\u5747 10.9%\uff0c\u5931\u53bb\u53c3\u8b70\u9662\u7684 2 \u6b21\u5e73\u5747 5.8%\uff0c\u5169\u9662\u90fd\u5931\u53bb\u7684 2 \u6b21\u5e73\u5747 20.5%<sup>[1][2][3]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9078\u8209\u7d50\u679c\uff08\u7e3d\u7d71\u6240\u5c6c\u653f\u9ee8\uff09<\/th>\n<th>\u6b21\u6578<\/th>\n<th>\u5e74\u4efd<\/th>\n<th>\u9078\u5f8c 12 \u500b\u6708\u5e73\u5747<\/th>\n<th>\u6700\u4f4e<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5169\u9662\u90fd\u6c92\u5931\u53bb<\/td>\n<td>7<\/td>\n<td>1970\u30011974\u30011978\u30011982\u30011990\u30011998\u30012002<\/td>\n<td>23.7%<\/td>\n<td>15.5%<\/td>\n<\/tr>\n<tr>\n<td>\u5931\u53bb\u773e\u8b70\u9662<\/td>\n<td>3<\/td>\n<td>2010\u30012018\u30012022<\/td>\n<td>10.9%<\/td>\n<td>8.1%<\/td>\n<\/tr>\n<tr>\n<td>\u5931\u53bb\u53c3\u8b70\u9662<\/td>\n<td>2<\/td>\n<td>1986\u30012014<\/td>\n<td>5.8%<\/td>\n<td>5.2%<\/td>\n<\/tr>\n<tr>\n<td>\u5169\u9662\u90fd\u5931\u53bb<\/td>\n<td>2<\/td>\n<td>1994\u30012006<\/td>\n<td>20.5%<\/td>\n<td>14.6%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8aaa\u660e\uff1a\u9078\u5f8c 12 \u500b\u6708\u70ba\u9078\u8209\u7576\u5e74 11 \u6708\u521d\u81f3\u9694\u5e74 10 \u6708\u5e95\u7684 S&amp;P 500 \u542b\u606f\u5831\u916c\uff1b\u300c\u5931\u53bb\u300d\u6307\u9078\u524d\u7531\u7e3d\u7d71\u6240\u5c6c\u653f\u9ee8\u63a7\u5236\u3001\u9078\u5f8c\u7531\u53e6\u4e00\u9ee8\u63a7\u5236\u3002\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar\u3001\u7f8e\u570b\u773e\u8b70\u9662\u6b77\u53f2\u8fa6\u516c\u5ba4\u3001\u7f8e\u570b\u53c3\u8b70\u9662<sup>[1][2][3]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a08\u7b97<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4e00\u7d44\u90fd\u662f\u6b63\u5831\u916c\uff0c\u5dee\u5225\u53ea\u5728\u9ad8\u4f4e\uff0c\u800c\u4e14\u6bcf\u7d44\u53ea\u6709 2 \u5230 7 \u6b21\uff0c\u540c\u4e00\u7d44\u88e1\u7684\u5e74\u4efd\u9084\u78b0\u4e0a\u5b8c\u5168\u4e0d\u540c\u7684\u5229\u7387\u8207\u666f\u6c23\uff0c\u4e0d\u80fd\u89e3\u8b80\u6210\u300c\u54ea\u4e00\u9ee8\u8d0f\u80a1\u5e02\u6bd4\u8f03\u597d\u300d\uff0c\u6bd4\u8f03\u7a69\u7684\u8b80\u6cd5\u662f\uff0c\u570b\u6703\u5206\u88c2\u6216\u540c\u9ee8\u90fd\u51fa\u73fe\u904e\u4e0a\u6f32\uff0c\u9078\u8209\u7d50\u679c\u672c\u8eab\u4e0d\u662f\u6c7a\u5b9a\u9078\u5f8c\u4e00\u5e74\u6f32\u8dcc\u7684\u4e3b\u56e0\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u5c0d\u7f8e\u80a1\u8207\u53f0\u80a1\u7684\u5f71\u97ff<\/h2>\n\n<p class=\"wp-block-paragraph\">\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u7684\u6a23\u672c\u66f4\u9577\uff0cS&amp;P 500 \u6307\u6578\u5728 1928 \u5230 2020 \u5e74\u7684\u7e3d\u7d71\u5927\u9078\u7576\u5e74\u5e73\u5747\u4e0a\u6f32 11.57%\uff0c\u9078\u5f8c\u4e00\u5e74\u5e73\u5747\u4e0a\u6f32 10.67%\uff0c\u5169\u500b\u6578\u5b57\u90fd\u548c\u7f8e\u80a1\u9577\u671f\u5e73\u5747\u5831\u916c\u63a5\u8fd1\uff0c\u9010\u5e74\u6ce2\u52d5\u5247\u5f88\u5927<sup>[6]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-8.png\" alt=\"1928 \u81f3 2020 \u5e74\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u5e74\u8207\u9078\u5f8c\u4e00\u5e74\u7684 S&#038;P 500 \u6307\u6578\u5831\u916c\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aS&amp;P Dow Jones Indices<sup>[6]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7f8e\u570b\u5927\u9078\u5f8c\u53f0\u80a1\u7684\u8868\u73fe\uff0c\u5e38\u88ab\u62ff\u4f86\u548c\u9078\u8209\u7d50\u679c\u9023\u5728\u4e00\u8d77\u770b\uff0c\u4e0b\u8868\u662f 2000 \u5230 2020 \u5e74\u516d\u6b21\u7f8e\u570b\u7e3d\u7d71\u5927\u9078\u5f8c 6 \u500b\u6708\u7684\u53f0\u80a1\u52a0\u6b0a\u6307\u6578\u6f32\u8dcc\uff0c\u5169\u9ee8\u7576\u9078\u90fd\u51fa\u73fe\u904e\u4e0a\u6f32\u8207\u4e0b\u8dcc<sup>[7]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u7f8e\u570b\u5927\u9078\u5e74<\/th>\n<th>\u7576\u9078\u7e3d\u7d71\u653f\u9ee8<\/th>\n<th>\u9078\u5f8c 6 \u500b\u6708\u53f0\u80a1\u52a0\u6b0a\u6307\u6578<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2000<\/td>\n<td>\u5171\u548c\u9ee8<\/td>\n<td>-11.02%<\/td>\n<\/tr>\n<tr>\n<td>2004<\/td>\n<td>\u5171\u548c\u9ee8<\/td>\n<td>1.02%<\/td>\n<\/tr>\n<tr>\n<td>2008<\/td>\n<td>\u6c11\u4e3b\u9ee8<\/td>\n<td>26.79%<\/td>\n<\/tr>\n<tr>\n<td>2012<\/td>\n<td>\u6c11\u4e3b\u9ee8<\/td>\n<td>12.88%<\/td>\n<\/tr>\n<tr>\n<td>2016<\/td>\n<td>\u5171\u548c\u9ee8<\/td>\n<td>7.81%<\/td>\n<\/tr>\n<tr>\n<td>2020<\/td>\n<td>\u6c11\u4e3b\u9ee8<\/td>\n<td>35.23%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1aYahoo Finance<sup>[7]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">2000 \u5e74\u7684\u4e0b\u8dcc\u78b0\u4e0a\u7db2\u8def\u6ce1\u6cab\u7834\u88c2\uff0c2008 \u5e74\u9078\u5f8c\u7684\u4e0a\u6f32\u5247\u662f\u5f9e\u91d1\u878d\u6d77\u562f\u7684\u4f4e\u9ede\u53cd\u5f48\uff0c\u5f71\u97ff\u53f0\u80a1\u7684\u662f\u7576\u6642\u7684\u5168\u7403\u666f\u6c23\u8207\u79d1\u6280\u9031\u671f\uff0c\u9078\u8209\u7d50\u679c\u53ea\u662f\u5176\u4e2d\u4e00\u689d\u65b0\u805e\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u53f0\u7063\u7e3d\u7d71\u5927\u9078\u6709\u9078\u8209\u884c\u60c5\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063 1996 \u5e74\u958b\u653e\u6c11\u9078\u7e3d\u7d71\uff0c\u5230 2020 \u5e74\u5171 7 \u6b21\u7e3d\u7d71\u5927\u9078\u30013 \u6b21\u653f\u9ee8\u8f2a\u66ff\uff0c\u4e0b\u8868\u662f\u6bcf\u6b21\u9078\u524d\u4e00\u9031\u3001\u524d\u4e00\u500b\u6708\u3001\u524d\u534a\u5e74\uff0c\u9078\u5f8c\u534a\u5e74\u3001\u5f8c\u4e00\u5e74\uff0c\u4ee5\u53ca\u9078\u524d\u534a\u5e74\u81f3\u9078\u5f8c\u534a\u5e74\u7684\u81fa\u7063\u52a0\u6b0a\u80a1\u50f9\u6307\u6578\u5831\u916c<sup>[8]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-4.png\" alt=\"1996 \u81f3 2020 \u5e74 7 \u6b21\u53f0\u7063\u7e3d\u7d71\u5927\u9078\u524d\u5f8c\u5404\u5340\u9593\u7684\u81fa\u7063\u52a0\u6b0a\u80a1\u50f9\u6307\u6578\u5831\u916c\uff0c\u4ee5\u53ca\u5404\u5340\u9593\u7684\u6b63\u5831\u916c\u6bd4\u4f8b\u8207\u5e73\u5747\u5831\u916c\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar<sup>[8]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">7 \u6b21\u5927\u9078\u4e2d\uff0c\u9078\u524d\u4e00\u500b\u6708\u6709 5 \u6b21\u4e0a\u6f32\uff0c\u6bd4\u4f8b 71%\uff0c\u5176\u4ed6\u5340\u9593\u7684\u6b63\u5831\u916c\u6bd4\u4f8b\u90fd\u5728\u4e00\u534a\u4e0a\u4e0b\uff0c\u5e73\u5747\u5831\u916c\u4e5f\u63a5\u8fd1\u96f6<sup>[8]<\/sup>\uff1b2024 \u5e74 1 \u6708 13 \u65e5\u7684\u5927\u9078\u4e0d\u5728\u4e0a\u8868\uff0c\u4ee5\u81fa\u7063\u8b49\u5238\u4ea4\u6613\u6240\u52a0\u6b0a\u6307\u6578\u6536\u76e4\u50f9\u8a08\u7b97\uff08\u9078\u524d\u6700\u5f8c\u4ea4\u6613\u65e5 1 \u6708 12 \u65e5\u70ba\u57fa\u6e96\uff09\uff0c\u9078\u524d\u4e00\u500b\u6708 0.25%\u3001\u9078\u5f8c\u534a\u5e74 36.57%\u3001\u9078\u5f8c\u4e00\u5e74 28.41%<sup>[5]<\/sup>\uff0c\u9078\u5f8c\u7684\u5927\u6f32\u4f86\u81ea AI \u884c\u60c5\uff0c\u548c\u9078\u8209\u7d50\u679c\u95dc\u4fc2\u4e0d\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\/7410_\u5404\u5340\u9593\u6b63\u5831\u916c\u6bd4\u4f8b.png\" alt=\"\u53f0\u7063 7 \u6b21\u7e3d\u7d71\u5927\u9078\u524d\u5f8c\u516d\u500b\u5340\u9593\u7684\u6b63\u5831\u916c\u6bd4\u4f8b\u8207\u5e73\u5747\u5831\u916c\uff0c\u53ea\u6709\u9078\u524d\u4e00\u500b\u6708\u7684\u6b63\u5831\u916c\u6bd4\u4f8b\u9054 71%\uff0c\u5176\u9918\u4ecb\u65bc 43% \u5230 57%\uff0c\u5e73\u5747\u5831\u916c\u4ecb\u65bc -3.35% \u5230 4.81%\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar<sup>[8]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8dcc\u5e45\u6bd4\u8f03\u660e\u986f\u7684\u5e7e\u6b21\uff0c\u662f 2000 \u5e74\u7db2\u8def\u6ce1\u6cab\u30012008 \u5e74\u91d1\u878d\u6d77\u562f\u30012011 \u5e74\u6b50\u50b5\u5371\u6a5f\u9019\u985e\u5168\u7403\u6027\u4e8b\u4ef6\uff0c\u6df1\u53d7\u5916\u8cc7\u8207\u570b\u969b\u80a1\u5e02\u5f71\u97ff\u7684\u53f0\u80a1\u4e00\u8d77\u4e0b\u8dcc\uff0c\u800c\u4e14\u53f0\u80a1\u53ea\u6709 7 \u6b21\u5927\u9078\u53ef\u4ee5\u6bd4\u8f03\uff0c\u6a23\u672c\u592a\u5c11\uff0c\u5f88\u96e3\u8aaa\u6709\u9078\u8209\u884c\u60c5\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\/7410_\u9078\u524d\u534a\u5e74\u81f3\u9078\u5f8c\u534a\u5e74.png\" alt=\"\u53f0\u7063 7 \u6b21\u7e3d\u7d71\u5927\u9078\u9078\u524d\u534a\u5e74\u81f3\u9078\u5f8c\u534a\u5e74\u7684\u53f0\u80a1\u5831\u916c\uff0c\u8dcc\u5e45\u6700\u5927\u7684 2008\u30012012\u30012000 \u5e74\u5206\u5225\u78b0\u4e0a\u91d1\u878d\u6d77\u562f\u3001\u6b50\u50b5\u5371\u6a5f\u8207\u7db2\u8def\u6ce1\u6cab\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar<sup>[8]<\/sup>\uff0c\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0b\u4e00\u6b21\u53f0\u7063\u7e3d\u7d71\u5927\u9078\u5728 2028 \u5e74\uff0c2026 \u5e74 11 \u6708 28 \u65e5\u5247\u6709\u5730\u65b9\u516c\u8077\u4eba\u54e1\u9078\u8209\uff08\u4e5d\u5408\u4e00\uff09<sup>[4]<\/sup>\uff0c\u5730\u65b9\u9078\u8209\u5f71\u97ff\u7684\u662f\u5730\u65b9\u653f\u7b56\uff0c\u5c0d\u53f0\u80a1\u5927\u76e4\u7684\u5f71\u97ff\u6bd4\u7e3d\u7d71\u5927\u9078\u66f4\u5c0f\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=\"https:\/\/blog.roboadvisor.com.tw\/?page_id=18852#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\" target=\"_blank\" rel=\"noopener\"><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\">\u9078\u8209\u524d\u8981\u4e0d\u8981\u5148\u6e1b\u78bc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4e09\u7d44\u8cc7\u6599\u7684\u5171\u540c\u9ede\u662f\uff0c\u9078\u8209\u5e36\u4f86\u7684\u6f32\u8dcc\u7121\u6cd5\u4e8b\u5148\u5224\u65b7\u65b9\u5411\uff0c\u671f\u4e2d\u9078\u8209\u5e74\u7684\u4e0b\u8dcc\u5e38\u767c\u751f\u5728\u9078\u524d\uff0c\u9078\u5f8c\u4e00\u5e74\u7684\u4e0a\u6f32\u5247\u5e38\u5f9e\u9078\u524d\u7684\u4f4e\u9ede\u958b\u59cb\uff0c\u9078\u524d\u6e1b\u78bc\u7684\u4eba\uff0c\u8981\u540c\u6642\u731c\u5c0d\u4f55\u6642\u8ce3\u3001\u4f55\u6642\u8cb7\u56de\uff0c\u5169\u6b21\u90fd\u731c\u5c0d\u7684\u6a5f\u6703\u4e0d\u9ad8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u9078\u60c5\u8b93\u4f60\u7761\u4e0d\u597d\uff0c\u554f\u984c\u901a\u5e38\u4e0d\u5728\u9078\u8209\uff0c\u800c\u5728\u80a1\u7968\u6bd4\u91cd\u8d85\u904e\u81ea\u5df1\u627f\u53d7\u5f97\u4e86\u7684\u7a0b\u5ea6\u3002\u8207\u5176\u731c\u9078\u8209\u7d50\u679c\uff0c\u4e0d\u5982\u5148\u7528<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=14764\">\u80a1\u50b5\u914d\u7f6e\u6307\u5357<\/a>\u6aa2\u67e5\u81ea\u5df1\u7684\u80a1\u50b5\u6bd4\u4f8b\uff0c\u6bd4\u4f8b\u5c0d\u4e86\uff0c\u9078\u524d\u9078\u5f8c\u90fd\u4e0d\u5fc5\u52d5\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u9078\u8209\u5230\u4f86\u9700\u8981\u8abf\u6574\u6295\u8cc7\u7b56\u7565\u55ce\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u9700\u8981\u56e0\u70ba\u9078\u8209\u6539\u8b8a\u9577\u671f\u914d\u7f6e\uff0c\u7f8e\u80a1\u671f\u4e2d\u9078\u8209\u5f8c\u7684\u4e0a\u6f32\u3001\u53f0\u80a1\u9078\u524d\u4e00\u500b\u6708\u7684\u4e0a\u6f32\u6bd4\u4f8b\uff0c\u90fd\u548c\u5e74\u5e95\u7684\u8056\u8a95\u884c\u60c5\u3001\u806f\u6e96\u6703\u5229\u7387\u8207\u4f01\u696d\u7372\u5229\u91cd\u758a\uff0c\u5f88\u96e3\u6b78\u529f\u65bc\u9078\u8209\u672c\u8eab\uff0c\u60f3\u53c3\u8207\u9019\u4e9b\u4e0a\u6f32\uff0c\u6bd4\u8f03\u53ef\u9760\u7684\u505a\u6cd5\u662f\u6301\u7e8c\u7559\u5728\u5e02\u5834\u88e1\uff0c\u7528\u80a1\u50b5\u8207\u5340\u57df\u5206\u6563\u7684\u914d\u7f6e\u627f\u63a5\u77ed\u671f\u6ce2\u52d5\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\u505a\u7684\uff0c\u662f\u628a\u9078\u8209\u7576\u6210\u4e00\u6b21\u6aa2\u67e5\uff0c\u9078\u5f8c\u80a1\u5e02\u82e5\u5927\u6f32\u6216\u5927\u8dcc\uff0c\u8b93\u80a1\u7968\u6bd4\u91cd\u504f\u96e2\u539f\u672c\u7684\u76ee\u6a19\u8d85\u904e 5 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\"\u4e0d\u5efa\u8b70\uff0c\u6a23\u672c\u5c11\uff0c\u53c8\u548c\u5e74\u5e95\u884c\u60c5\u3001\u5229\u7387\u8207\u7372\u5229\u91cd\u758a\uff0c\u9078\u524d\u6e1b\u78bc\u8981\u540c\u6642\u731c\u5c0d\u8ce3\u51fa\u8207\u8cb7\u56de\u7684\u6642\u9593\uff0c\u7528\u518d\u5e73\u8861\u7dad\u6301\u539f\u672c\u7684\u80a1\u50b5\u6bd4\u4f8b\u6bd4\u8f03\u53ef\u9760\u3002\"}}]}<\/script>\n\n<h2 class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n<ol class=\"wp-block-list\">\n<li>Morningstar\uff0cS&amp;P 500 \u542b\u606f\u6708\u5831\u916c\uff081970 \u5e74 2 \u6708\u81f3 2026 \u5e74 9 \u6708\uff09\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u3008\u671f\u4e2d\u9078\u8209\u5e74\u56de\u6e2c\u3009\uff082026-10-05\uff09\u8207\u672c\u6587\u8a08\u7b97\u3002<\/li>\n<li>U.S. House of Representatives, History, Art &amp; Archives, \u300aParty Divisions of the House of Representatives, 1789 to Present\u300b. https:\/\/history.house.gov\/Institution\/Party-Divisions\/Party-Divisions\/<\/li>\n<li>U.S. Senate, \u300aParty Division\u300b. https:\/\/www.senate.gov\/history\/partydiv.htm<\/li>\n<li>\u4e2d\u592e\u9078\u8209\u59d4\u54e1\u6703\uff0c115 \u5e74\u5730\u65b9\u516c\u8077\u4eba\u54e1\u9078\u8209\u516c\u544a\uff082026-08-20\uff09\u3002<\/li>\n<li>\u81fa\u7063\u8b49\u5238\u4ea4\u6613\u6240\uff0c\u767c\u884c\u91cf\u52a0\u6b0a\u80a1\u50f9\u6307\u6578\u6b77\u53f2\u8cc7\u6599\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a08\u7b97\u3002<\/li>\n<li>S&amp;P Dow Jones Indices\uff0cS&amp;P 500 \u6307\u6578\u6b77\u5e74\u5831\u916c\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/li>\n<li>Yahoo Finance\uff0c\u81fa\u7063\u52a0\u6b0a\u80a1\u50f9\u6307\u6578\u6b77\u53f2\u8cc7\u6599\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/li>\n<li>Morningstar\uff0c\u81fa\u7063\u52a0\u6b0a\u80a1\u50f9\u6307\u6578\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/li>\n<li>Ballotpedia, \u300aUnited States Senate elections, 2026\u300b. https:\/\/ballotpedia.org\/United_States_Senate_elections,_2026<\/li>\n<li>Associated Press, \u300aRepublicans win control of House\u300b\uff082022-11-16\uff09\u3002<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">\u91cd\u8981\u8072\u660e<\/h2>\n\n<p 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