{"id":2001,"date":"2021-11-02T11:52:00","date_gmt":"2021-11-02T03:52:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=2001"},"modified":"2021-11-02T11:52:00","modified_gmt":"2021-11-02T03:52:00","slug":"25%e6%ad%b2%e8%ad%b7%e7%90%86%e5%b8%ab%e5%96%ae%e7%ad%86%e6%8a%95%e8%b3%8730%e8%90%ac%ef%bc%8c%e6%af%8f%e6%9c%88%e5%ae%9a%e6%9c%9f%e5%ae%9a%e9%a1%8d1%e8%90%ac%e5%a1%8a%ef%bc%8c60%e6%ad%b2%e9%80%80","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=2001","title":{"rendered":"DeepSeek\u8207ChatGPT\u5d1b\u8d77\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u5168\u9762\u9032\u5316\uff0125\u6b72\u4eab\u6709\u6bcf\u67086\u842c\u5143\u88ab\u52d5\u6536\u5165"},"content":{"rendered":"\n

\u6295\u8cc7\u4eba\u72c0\u6cc1\uff1a<\/strong><\/p>\n\n\n\n

25\u6b72\uff0c\u525b\u5f9e\u5927\u5b78\u7562\u696d\u7684\u5973\u6027\u8b77\u7406\u5e2b\uff0c\u76ee\u524d\u5728\u5730\u5340\u6559\u5b78\u91ab\u9662\u624b\u8853\u623f\u670d\u52d9\uff0c\u5c0d\u65bc\u6295\u8cc7\u7406\u8ca1\u4e00\u76f4\u60f3\u4e86\u89e3\uff0c\u4f46\u662f\u56e0\u70ba\u5de5\u4f5c\u74b0\u5883\u6b65\u8abf\u7dca\u6e4a\uff0c\u52a0\u4e0a\u9664\u4e86\u6b63\u5e38\u6392\u73ed\u4e4b\u5916\uff0c\u653e\u5047\u6642\u9047\u4e0a\u7dca\u6025\u72c0\u6cc1\u9084\u8981\u8f2a\u6d41\u652f\u63f4\u958b\u5200\u623f\uff0c\u4e0b\u4e86\u73ed\u53ea\u60f3\u597d\u597d\u4f11\u606f\uff0c\u5e0c\u671b\u6295\u8cc7\u65b9\u5f0f\u53ef\u4ee5\u7c21\u55ae\u8f15\u9b06\uff0c\u53c8\u53ef\u4ee5\u7372\u5f97\u4e0d\u932f\u7684\u5831\u916c\u3002<\/p>\n\n\n\n

 <\/strong>\u904e\u5f80\u6295\u8cc7\u7d93\u9a57<\/strong><\/p>\n\n\n\n

\u525b\u9818\u5230\u7b2c\u4e00\u4efd\u85aa\u6c34\u7684\u6642\u5019\uff0c\u807d\u5abd\u5abd\u7684\u8a71\uff0c\u5411\u5abd\u5abd\u7684\u670b\u53cb\u8cb7\u4e86\u4e00\u4efd\u4e8c\u5e74\u671f\u7684\u5132\u84c4\u4fdd\u55ae\uff0c\u5169\u5e74\u904e\u53bb\u78ba\u5be6\u6709\u5b58\u5230\u9322\uff0c\u4f46\u53c8\u89ba\u5f97\u8cc7\u7522\u589e\u9577\u7684\u901f\u5ea6\u592a\u6162\u3002\u6b63\u7576\u7169\u60f1\u4e4b\u6642\uff0c\u6709\u4e00\u6b21\u53bb\u9280\u884c\u532f\u6b3e\uff0c\u6ac3\u6aaf\u7684\u7406\u5c08\u544a\u8a34\u5979\uff0c\u57fa\u91d1\u9577\u671f\u7684\u5831\u916c\u7387\u6703\u6bd4\u5132\u84c4\u96aa\u597d\uff0c\u5728\u7406\u5c08\u7684\u5efa\u8b70\u4e0b\uff0c\u6bcf\u500b\u6708\u958b\u59cb\u5b9a\u671f\u5b9a\u984d5000\u5143\uff0c\u5230\u73fe\u5728\u4e5f\u5df2\u7d93\u4e00\u5e74\u7684\u6642\u9593<\/p>\n\n\n\n

\u9078\u64c7\u963f\u723e\u767c\u7684\u539f\u56e0\uff1a<\/strong><\/p>\n\n\n\n

1.\u53ef\u4ee5\u4e0d\u7528\u505a\u5f88\u591a\u529f\u8ab2\uff0c\u537b\u53ef\u4ee5\u4eab\u6709\u4e0d\u932f\u7684\u5831\u916c<\/p>\n\n\n\n

\u88ab\u52d5\u6295\u8cc7\u7684\u65b9\u5f0f\u5f88\u9069\u5408\u6c92\u6709\u6642\u9593\u505a\u529f\u8ab2\u7684\u5979\uff0c\u53ef\u4ee5\u4eab\u53d7\u5230\u8cbc\u8fd1\u5e02\u5834\u7684\u5831\u916c\uff0c\u800c\u4e14\u9084\u8d0f\u904e80%\u7684\u57fa\u91d1\u7d93\u7406\u4eba\u3002<\/p>\n\n\n\n

2. \u4f4e\u6210\u672c\u7684\u6295\u8cc7\u5de5\u5177<\/p>\n\n\n\n

\u7406\u5c08\u5728\u92b7\u552e\u6642\uff0c\u4e26\u6c92\u6709\u544a\u8a34\u5979\u6240\u8cfc\u8cb7\u7684\u57fa\u91d1\uff0c\u5176\u5be6\u5b58\u5728\u8457\u5f88\u9ad8\u6210\u672c\u7684\u5167\u6263\u8cbb\u7528\uff0c\u9577\u671f\u4e0b\u4f86\u6703\u56b4\u91cd\u4fb5\u8755\u7372\u5229\uff0c\u6e1b\u5c11\u7d2f\u7a4d\u7684\u9000\u4f11\u91d1\u3002<\/p>\n\n\n\n

3. \u900f\u904e\u5ba2\u89c0\u7684\u6578\u64da\u5206\u6790\uff0c\u544a\u8a34\u5979\u57f7\u884c\u7b56\u7565\u5f8c\uff0c\u6210\u529f\u6a5f\u7387\u6709\u591a\u5c11<\/p>\n\n\n\n

\u6bcf\u500b\u6708\u6642\u9593\u4e00\u5230\u9280\u884c\u5c31\u6703\u5e6b\u5979\u81ea\u52d5\u6263\u6b3e\u6295\u5165\u57fa\u91d1\uff0c\u4f46\u662f\u5f9e\u4f86\u6c92\u6709\u544a\u8a34\u5979\u9019\u6a23\u505a\uff0c\u53ef\u4e0d\u53ef\u4ee5\u9054\u6210\u5fc3\u76ee\u4e2d\u7684\u9000\u4f11\u751f\u6d3b\u3002<\/p>\n\n\n\n

\u6211\u8981\u8a66\u7b97\u500b\u4eba\u7406\u8ca1\u8a08\u756b <\/a><\/h2>\n\n\n\n

\u6295\u8cc7\u898f\u5283\uff1a<\/strong><\/p>\n\n\n\n

\u76ee\u524d\u5e74\u7d00\uff1a25\u6b72<\/p>\n\n\n\n

\u9000\u4f11\u5e74\u9f61\uff1a60\u6b72( 35\u5e74\u6295\u5165\u671f\u9593)<\/p>\n\n\n\n

\u55ae\u7b46\uff1a30\u842c\u5143<\/p>\n\n\n\n

\u5b9a\u671f\u5b9a\u984d\uff1a\u6bcf\u670810,000\u584a<\/p>\n\n\n\n

\u88ab\u52d5\u6536\u5165\uff1a\u6bcf\u670860,000\u584a<\/p>\n\n\n\n

\u80a1\u50b5\u914d\u6bd4\uff1a85\/15<\/p>\n\n\n\n

\u6210\u529f\u6a5f\u7387\uff1a92%<\/p>\n\n\n\n

\u8a66\u7b97\u7d50\u679c\uff1a<\/strong><\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\u300c\u6b64\u8a66\u7b97\u7d50\u679c\u4fc2\u7531\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2\u6240\u63d0\u4f9b\u4e4b\u6a5f\u5668\u4eba\u7406\u8ca1\u670d\u52d9\u9032\u884c\u8a66\u7b97\u4e4b\u7d50\u679c\uff0c\u60df\u4e0d\u4fdd\u8b49\u5176\u6700\u4f4e\u6536\u76ca\u8207\u672a\u4f86\u7e3e\u6548\u3002\u300d<\/strong><\/p>\n\n\n\n

\u9000\u4f11\u91d1\u7d2f\u7a4d\uff1a<\/strong><\/p>\n\n\n\n

60\u6b72\u6642\u8cc7\u91d1\u7e3d\u6295\u5165\uff1a542\u842c<\/strong><\/p>\n\n\n\n

60\u6b72\u6642\u7d2f\u7a4d\u9000\u4f11\u91d1\uff1a2,430\u842c<\/strong><\/p>\n\n\n\n

\"\u4e00\u5f35\u542b\u6709<\/figure>\n\n\n\n

\u300c\u6b64\u8a66\u7b97\u7d50\u679c\u4fc2\u7531\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2\u6240\u63d0\u4f9b\u4e4b\u6a5f\u5668\u4eba\u7406\u8ca1\u670d\u52d9\u9032\u884c\u8a66\u7b97\u4e4b\u7d50\u679c\uff0c\u60df\u4e0d\u4fdd\u8b49\u5176\u6700\u4f4e\u6536\u76ca\u8207\u672a\u4f86\u7e3e\u6548\u3002<\/p>\n\n\n\n

\u9000\u4f11\u5f8c\u88ab\u52d5\u6536\u5165\uff1a<\/strong><\/p>\n\n\n\n

60\u6b72\u6bcf\u6708\u88ab\u52d5\u6536\u5165\uff1a6\u842c<\/strong><\/p>\n\n\n\n

90\u6b72\u6642\u7e3d\u63d0\u9818\u91d1\u984d\uff1a2,160\u842c<\/strong><\/p>\n\n\n\n

90\u6b72\u6642\u5269\u9918\u5e33\u4e0a\u8cc7\u7522\uff1a\u7d041\u5104100\u842c<\/strong><\/p>\n\n\n\n

\"\u4e00\u5f35\u542b\u6709<\/figure>\n\n\n\n

\u300c\u6b64\u8a66\u7b97\u7d50\u679c\u4fc2\u7531\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2\u6240\u63d0\u4f9b\u4e4b\u6a5f\u5668\u4eba\u7406\u8ca1\u670d\u52d9\u9032\u884c\u8a66\u7b97\u4e4b\u7d50\u679c\uff0c\u60df\u4e0d\u4fdd\u8b49\u5176\u6700\u4f4e\u6536\u76ca\u8207\u672a\u4f86\u7e3e\u6548\u3002\u300d<\/p>\n\n\n\n

ETF \u914d\u7f6e<\/strong>\"\u4e00\u5f35\u542b\u6709<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

\u300c\u6b64\u8a66\u7b97\u7d50\u679c\u4fc2\u7531\u963f\u723e\u767c\u6295\u9867\u5b98\u7db2\u6240\u63d0\u4f9b\u4e4b\u6a5f\u5668\u4eba\u7406\u8ca1\u670d\u52d9\u9032\u884c\u8a66\u7b97\u4e4b\u7d50\u679c\uff0c\u60df\u4e0d\u4fdd\u8b49\u5176\u6700\u4f4e\u6536\u76ca\u8207\u672a\u4f86\u7e3e\u6548\u3002\u300d<\/p>\n\n\n\n

\u6211\u8981\u8a66\u7b97\u500b\u4eba\u7406\u8ca1\u8a08\u756b <\/a><\/h2>\n\n\n\n

\u9019\u6b21\u7cfb\u7d71\u5efa\u8b70\u7684\u6295\u8cc7\u7d44\u5408\u70baETF\uff0c\u5206\u5225\u6295\u8cc7\uff1a<\/p>\n\n\n\n

Vanguard Total Stock Market ETF \uff08VTI\uff09<\/strong><\/p>\n\n\n\n

\u4ee3\u8868\u7f8e\u570b\u6574\u9ad4\u80a1\u5e02\u7684Vanguard Total Stock Market ETF \uff08VTI\uff09\uff1a\u5167\u6263\u8cbb\u75280.03%\uff0c\u5b63\u914d\u606f\uff0c\u6295\u8cc7\u7f8e\u570b3700\u591a\u5bb6\u4e0a\u5e02\u516c\u53f8\uff0c\u5305\u542b\u5fae\u8edf\u3001Google\u3001Apple\u3001\u6ce2\u514b\u590f\u3001JPMorgan\u3001Tesla\u3001\u5b0c\u751f\u7b49\u4f01\u696d\u3002<\/p>\n\n\n\n

Vanguard FTSE Developed Markets ETF\uff08VEA\uff09<\/strong><\/p>\n\n\n\n

\u4ee3\u8868\u5168\u7403\u5df2\u958b\u767c\u570b\u5bb6\u80a1\u5e02\u7684Vanguard FTSE Developed Markets ETF\uff08VEA\uff09\uff1a\u5167\u6263\u8cbb\u75280.05%\uff0c\u5b63\u914d\u606f\uff0c\u6295\u8cc7\u6b50\u6d32\u3001\u4e9e\u592a\u5730\u53403700\u591a\u5bb6\u4e0a\u5e02\u516c\u53f8\uff0c\u6295\u8cc7\u6301\u80a1\u570b\u5bb6\u5305\u542b\u65e5\u672c\uff0820.7%\uff09\u3001\u82f1\u570b\uff0813.0%\uff09\u3001\u52a0\u62ff\u5927\uff089.2%\uff09\u3001\u6cd5\u570b\uff088.4%\uff09\u3001\u5fb7\u570b\uff087.6%\uff09\u3001\u745e\u58eb\uff087.3%\uff09\uff0c\u6301\u80a1\u5305\u542b\u4e09\u661f\u3001\u96c0\u5de2\u3001ASML\u3001Toyota\u3001SAP\u7b49\u4f01\u696d\u3002<\/p>\n\n\n\n

Vanguard FTSE All-World ex-US Small-Cap ETF \uff08VSS\uff09<\/strong><\/p>\n\n\n\n

\u4ee3\u8868\u5168\u7403\u4e2d\u5c0f\u578b\u80a1\u5e02\u7684Vanguard FTSE All-World ex-US Small-Cap ETF \uff08VSS\uff09\uff1a\u5167\u6263\u8cbb\u75280.11%\uff0c\u5b63\u914d\u606f\uff0c\u6295\u8cc7\u65b0\u8208\u5e02\u5834\u3001\u6b50\u6d32\u3001\u4e9e\u592a\u5730\u53404000\u591a\u5bb6\u4e0a\u5e02\u516c\u53f8\uff0c\u5305\u542b\u7926\u696d\u516c\u53f8First Quantum Minerals\u3001\u52a0\u62ff\u5927\u8a2d\u8a08\u3001\u5de5\u7a0b\u8aee\u8a62\u516c\u53f8WSP Global\u3001\u52a0\u62ff\u5927\u516c\u53f8\uff0c\u958b\u767c\u548c\u92b7\u552e\u4f01\u696d\u4fe1\u606f\u7ba1\u7406\u8edf\u4ef6Open Text\u3001\u52a0\u62ff\u5927\u7684\u4e00\u5bb6\u91d1\u7926\u958b\u63a1\u516c\u53f8Kirkland Lake Gold\u7b49\u4f01\u696d\u3002<\/p>\n\n\n\n

Vanguard Real Estate ETF \uff08VNQ\uff09<\/strong><\/p>\n\n\n\n

\u4ee3\u8868\u7f8e\u570b\u4e0d\u52d5\u7522\u7684Vanguard Real Estate ETF \uff08VNQ\uff09\uff1a\u5167\u6263\u8cbb\u75280.12%\uff0c\u5b63\u914d\u606f\uff0c\u6295\u8cc7\u7f8e\u570bReit\u7684ETF\uff0c\u5305\u542b\u5546\u7528\u3001\u5de5\u696d\u3001\u4f4f\u5b85\u985e\u578b\u7684\u4e0d\u52d5\u7522\u6a19\u7684\uff0c\u6295\u8cc7\u6a19\u7684\u5305\u542b\uff1aAmerican Tower\u3001Prologis\u3001Crown Castle International\u7b49\u3002<\/p>\n\n\n\n

Vanguard Global ex-U.S. Real Estate ETF\uff08VNQI\uff09<\/strong><\/p>\n\n\n\n

\u4ee3\u8868\u7f8e\u570b\u4ee5\u5916\u5168\u7403\u4e0d\u52d5\u7522\u7684Vanguard Global ex-U.S. Real Estate ETF\uff08VNQI\uff09\uff1a\u5167\u6263\u8cbb\u75280.12%\uff0c\u5b63\u914d\u606f\uff0c\u6295\u8cc7\u7f8e\u570b\u4ee5\u5916Reit\u7684ETF\uff0c\u5305\u542b\u5546\u7528\u3001\u5de5\u696d\u3001\u4f4f\u5b85\u985e\u578b\u7684\u4e0d\u52d5\u7522\u6a19\u7684\uff0c\u524d10\u5927\u6295\u8cc7\u570b\u5bb6\u4e2d\uff0c\u6700\u591a\u7684\u662f\u65e5\u672c22.40%\uff0c\u5176\u6b21\u5247\u70ba\u4e2d\u570b\u3001\u9999\u6e2f\u3001\u6fb3\u6d32\u7b49\u570b\u5bb6\u3002<\/p>\n\n\n\n

Vanguard Total World Bond ETF \uff08BNDW\uff09<\/strong><\/p>\n\n\n\n

\u4ee3\u8868\u5168\u7403\u7e3d\u9ad4\u50b5\u5238\u7684Vanguard Total World Bond ETF \uff08BNDW\uff09\uff1a\u5167\u6263\u8cbb\u75280.06%\uff0c\u6708\u914d\u606f\uff0c\u6295\u8cc7\u5168\u7403\u6295\u8cc7\u7b49\u7d1a\u50b5\u5238\uff0c\u6301\u67091\u842c6400\u6a94\u50b5\u5238\uff0cBNDW\u7684\u50b5\u5238\u7d44\u6210\uff0c\u4e3b\u8981\u5728\u5916\u570b\u50b5\u5238\u3001\u653f\u5e9c\u62b5\u62bc\u8cb8\u6b3e\u3001\u91d1\u878d\u7b49\u50b5\u5238\uff0c\u7f8e\u570b\u653f\u5e9c\u50b5\u5238\u4f5430.1%\u3001AAA\u7d1a13.3%\u3001AA\u7d1a15.6%\u3001A\u7d1a21.4%\u3001BBB\u7d1a18.0%\u3002<\/p>\n\n\n\n

BNDW\u7684\u512a\u9ede\u662f\u4e00\u500b\u50b5\u5238ETF\u5c31\u53ef\u4ee5\u6295\u8cc7\u5168\u7403\u6295\u8cc7\u7b49\u7d1a\u7684\u50b5\u5238\u3002\u6709\u9032\u884c\u7f8e\u5143\u907f\u96aa\uff0c\u907f\u514d\u6301\u6709\u591a\u7a2e\u8ca8\u5e63\u7684\u98a8\u96aa\u3002<\/p>\n\n\n\n


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