{"id":4712,"date":"2022-06-04T11:32:34","date_gmt":"2022-06-04T03:32:34","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=4712"},"modified":"2022-06-04T11:32:34","modified_gmt":"2022-06-04T03:32:34","slug":"%e5%a6%82%e4%bd%95%e6%8f%90%e6%97%a9%e9%80%80%e4%bc%91-%e9%82%84%e5%9c%a8%e7%94%a84%e6%b3%95%e5%89%87-%e4%bd%a0%e4%b8%8d%e7%9f%a5%e9%81%93-4%e6%b3%95%e5%89%87%e7%9a%846%e5%a4%a7%e5%95%8f%e9%a1%8c","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=4712","title":{"rendered":"\u5982\u4f55\u63d0\u65e9\u9000\u4f11? \u9084\u5728\u7528 4% \u6cd5\u5247? \u4f60\u4e0d\u77e5\u9053 4% \u6cd5\u5247\u7684 6 \u5927\u554f\u984c"},"content":{"rendered":"\n

\u524d\u9663\u5b50\u5f88\u6d41\u884c F.I.R.E. \u904b\u52d5\uff0c\u5b83\u662f\u7531\u82f1\u6587\u7684\u300c Financial Independence, Retire Early \u300d\u7e2e\u5beb\uff0c\u88e1\u9762\u63d0\u5021\u7684\u65b9\u5411\u5c31\u662f\u8ca1\u52d9\u7368\u7acb\u4e26\u63d0\u65e9\u9000\u4f11\uff0c\u5982\u4f55\u4e86\u89e3\u81ea\u5df1\u4f55\u6642\u53ef\u4ee5\u505a\u5230\u9019\u6a23\u7684\u76ee\u6a19\u5462?<\/p>\n\n\n\n

\u904b\u7528 4% \u6cd5\u5247 ( 4% Rule ) \uff0c\u6216\u662f\u7a31\u70ba 25 \u500d\u6cd5\u5247\u3001 4% \u5b89\u5168\u63d0\u9818\u7387\u3002<\/mark><\/strong><\/p>\n\n\n\n

\u96a8\u8457\u653f\u5e9c\u9000\u4f11\u91d1\u9762\u81e8\u7834\u7522\u908a\u7de3\uff0c\u52a0\u4e0a\u52de\u9000\u57fa\u91d1\u7684\u5831\u916c\u5dee\uff0c\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u9700\u8981\u81ea\u5df1\u52aa\u529b\u984d\u5916\u6e96\u5099\uff0c\u8d8a\u4f86\u8d8a\u591a\u4eba\u958b\u59cb\u63a2\u8a0e\u9000\u4f11\u91d1\u6e96\u5099\u7684\u65b9\u5f0f\u3002<\/p>\n\n\n\n

\u9000\u4f11\u524d\u6e96\u5099 1,000 \u842c ? 1,500 \u842c ? 3,000 \u842c ? 1 \u5104 ? \u5230\u5e95\u591a\u5c11\u624d\u8db3\u5920\u5462?<\/p>\n\n\n\n

\u57fa\u672c\u4e0a\uff0c\u6bcf\u500b\u4eba\u7684\u751f\u6d3b\u82b1\u8cbb\u7fd2\u6163\u4e0d\u540c\uff0c\u6240\u4ee5\u6c92\u6709\u7d55\u5c0d\u6a19\u6e96\u7684\u9000\u4f11\u91d1\u6e96\u5099\u6578\u5b57\u3002<\/mark><\/strong><\/p>\n\n\n\n

\u56e0\u6b64\u5728 1990 \u5e74\u4ee3\uff0c\u570b\u5916\u5c31\u6709\u8ca1\u52d9\u9867\u554f(William Bengen)\u63d0\u5021 <\/em>4% \u6cd5\u5247<\/strong><\/a>\uff0c\u4ed6\u4f7f\u7528 1926 \u5e74\u81f3 1992 \u5e74\u7684\u6b77\u53f2\u5e02\u5834\u8868\u73fe\u6578\u64da\u9032\u884c\u4e86\u6e2c\u8a66\uff0c\u63d0\u51fa\u9000\u4f11\u4eba\u58eb\u5b89\u5168\u7684\u63d0\u9818\u6bd4\u4f8b\u662f 4%<\/strong> \uff0c\u9019\u500b\u63d0\u9818\u6bd4\u4f8b\u9664\u4e86\u53ef\u4ee5\u9867\u53ca\u6bcf\u6708\u7a69\u5b9a\u73fe\u91d1\u6d41\u4ee5\u4f9b\u652f\u61c9\u751f\u6d3b\u6d88\u8cbb\u6240\u9700\u4e4b\u5916\uff0c\u9084\u80fd\u8b93\u9019\u7b46\u9000\u4f11\u91d1\u7dad\u6301\u4e00\u5b9a\u91d1\u984d\uff0c\u53ef\u4ee5\u6301\u7e8c\u5728\u53ef\u6295\u8cc7\u7684\u8cc7\u7522\u4e2d\u7522\u751f\u73fe\u91d1\u6d41\u3002<\/p>\n\n\n\n

\u6240\u8b02\u7684\u300c\u63d0\u9818\u7b56\u7565\u300d\uff0c\u662f\u6211\u5f9e\u9019\u500b\u6295\u8cc7\u5e33\u6236\u9032\u884c\u67d0\u4e00\u500b\u56fa\u5b9a\u6bd4\u4f8b\u7684\u91d1\u984d\u63d0\u9818\uff0c\u63d0\u9818\u5f8c\u7684\u5269\u9918\u8cc7\u91d1\u4ecd\u9032\u884c\u6295\u8cc7<\/mark><\/strong>\uff0c\u56e0\u6b64\u5982\u4f55\u78ba\u4fdd\u6574\u500b\u6295\u8cc7\u5e33\u6236\u80fd\u4e0d\u88ab\u7528\u5149\u5462?<\/p>\n\n\n\n

\u90a3\u5c31\u662f\u6295\u8cc7\u5e33\u6236\u7684\u8cc7\u7522\u6210\u9577\u901f\u5ea6(\u5831\u916c\u7387)\u6bd4\u6295\u8cc7\u5e33\u6236\u88ab\u63d0\u9818\u7684\u901f\u5ea6(\u63d0\u9818\u7387)\u5927\uff0c\u5c31\u53ef\u4ee5\u78ba\u4fdd\u8cc7\u7522\u4e0d\u6703\u8017\u5149\u3002<\/p>\n\n\n\n

\u4ec0\u9ebc\u662f 4% \u6cd5\u5247 ?<\/h2>\n\n\n\n

\u4f60\u5c07\u6240\u6709\u6295\u8cc7\u5e33\u6236\u52a0\u7e3d\u8d77\u4f86\uff0c\u4e26\u5728\u9000\u4f11\u7684\u7b2c\u4e00\u5e74\u63d0\u53d6\u7e3d\u8cc7\u7522\u7684 4% \u3002\u5728\u96a8\u5f8c\u7684\u5e7e\u5e74\u4e2d\uff0c\u53ea\u8981\u6bcf\u5e74\u4f9d\u7167\u901a\u8ca8\u81a8\u8139\u8abf\u6574\u63d0\u9818\u7684\u91d1\u984d\u3002<\/mark><\/strong>\u6309\u7167\u9019\u500b\u516c\u5f0f\uff0c\u4f60\u61c9\u8a72\u5f88\u6709\u53ef\u80fd\u5728 30 \u5e74\u7684\u9000\u4f11\u671f\u9593\u4e0d\u6703\u7528\u5149\u4f60\u7684\u9322\u3002<\/p>\n\n\n\n

\u5047\u8a2d : \u4f60\u9000\u4f11\u6642\u7684\u6295\u8cc7\u5e33\u6236\u7e3d\u984d\u70ba 1,000 \u842c\u53f0\u5e63\u3002\u4f60\u5c07\u5728\u9000\u4f11\u7684\u7b2c\u4e00\u5e74\u63d0\u9818 400,000 \u53f0\u5e63\u3002\u5982\u679c\u90a3\u4e00\u5e74\u7684\u751f\u6d3b\u6210\u672c(\u901a\u81a8)\u4e0a\u6f32 2%\uff0c\u90a3\u9ebc\u4f60\u5c07\u5728\u4e0b\u4e00\u5e74\u7d66\u81ea\u5df1\u52a0\u85aa 2%\uff0c\u63d0\u9818 408,000 \u53f0\u5e63\uff0c\u4ee5\u6b64\u985e\u63a8\u63a5\u4e0b\u4f86\u7684 30 \u5e74\u3002<\/p>\n\n\n\n

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

\u5982\u4f55\u904b\u7528 4% \u6cd5\u5247\uff0c\u8a08\u7b97\u9000\u4f11\u91d1\u8981\u6e96\u5099\u591a\u5c11?<\/h2>\n\n\n\n
\n

\u9000\u4f11\u91d1\u6e96\u5099 = \u9000\u4f11\u5f8c\u6bcf\u5e74\u751f\u6d3b\u958b\u652f \u00f7 4 %<\/mark><\/p>\n<\/blockquote>\n\n\n\n

OR<\/h5>\n\n\n\n
\n

\u9000\u4f11\u91d1\u6e96\u5099 = \u9000\u4f11\u5f8c\u6bcf\u5e74\u751f\u6d3b\u958b\u652f X 25<\/mark><\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff0c\u6839\u64da\u4e3b\u8a08\u8655\u8abf\u67e5\uff0c 2020 \u5e74\u53f0\u7063\u4eba\u7684\u5e73\u5747\u6bcf\u6708\u6d88\u8cbb\u53f0\u5e63 23,262 \u5143\u5be6\u969b\u6f14\u7b97\uff0c\u9019\u6a23\u4e00\u5e74\u4e00\u500b\u4eba\u7684\u82b1\u8cbb\u662f 279,144 \u5143\uff0c\u9019\u908a\u7528 28 \u842c\u6574\u6578\u8a08\u7b97\u3002<\/p>\n\n\n\n

\n
\u514d\u8cbb\u9ad4\u9a57\u9000\u4f11\u898f\u5283\u8a66\u7b97<\/strong><\/a><\/div>\n<\/div>\n\n\n\n

4% \u6cd5\u5247\u4e4b\u4e0b\uff0c\u4e5f\u5c31\u662f\u3010 28\u842c \/ 4% = 700 \u842c\u3011\uff0c\u7576\u6e96\u5099 700 \u842c\u7684\u6642\u5019\uff0c\u53ef\u80fd\u6709\u4e9b\u4eba\u5c31\u53ef\u4ee5\u8003\u616e\u5be6\u8e10\u8ca1\u52d9\u81ea\u7531\u3002<\/p>\n\n\n\n

\u63d0\u9192!!!<\/mark><\/strong><\/p>\n\n\n\n

\u9019\u908a\u7684\u8a08\u7b97\u53ea\u662f\u4e00\u500b\u63a8\u4f30\u6e96\u5099\u91d1\u984d\uff0c\u672a\u5be6\u969b\u8003\u91cf\u901a\u81a8<\/mark><\/strong>\uff0c\u5982\u679c\u8981\u6bd4\u8f03\u7cbe\u78ba\u8a08\u7b97\uff0c\u9084\u662f\u5efa\u8b70\u52a0\u5165\u901a\u81a8\u7684\u57fa\u790e\u6bcf\u5e74\u8a08\u7b97\u3002<\/p>\n\n\n\n

\u4f7f\u7528 4% \u6cd5\u5247\u7684\u689d\u4ef6\u662f\u4ec0\u9ebc? \u9069\u5408\u6bcf\u500b\u4eba\u55ce?<\/h2>\n\n\n\n

#\u9019\u662f\u4e00\u500b\u56b4\u683c\u7684\u898f\u5247<\/mark><\/h4>\n\n\n\n

4% \u6cd5\u5247\u662f\u6bcf\u5e74\u6839\u64da\u901a\u8ca8\u81a8\u8139\u7387\u589e\u52a0\u63d0\u9818\u91d1\u984d\u2014\u2014\u800c\u4e0d\u662f\u6839\u64da\u5be6\u969b\u7684\u6295\u8cc7\u8868\u73fe<\/mark><\/strong>\u2014\u2014\u9019\u5c0d\u4e00\u4e9b\u6295\u8cc7\u4eba\u4f86\u8aaa\u53ef\u80fd\u662f\u4e00\u500b\u6311\u6230\uff0c\u6295\u8cc7\u72c0\u6cc1\u5dee\u6642\uff0c\u63d0\u9818\u540c\u6a23\u91d1\u984d\u7684\u60c5\u6cc1\u4e0b\uff0c\u53ef\u80fd\u5c0e\u81f4\u5f8c\u7e8c\u73fe\u91d1\u6d41\u7684\u4e0d\u9806\u5229\u3002<\/p>\n\n\n\n

\u6b64\u5916\uff0c\u9019\u6a23\u7684\u65b9\u5f0f\u7121\u6cd5\u8b93\u63d0\u9818\u91d1\u984d\u6709\u8f03\u5927\u8b8a\u52d5\u7684\u5f48\u6027\uff0c\u9019\u4e0d\u662f\u5927\u591a\u6578\u4eba\u5728\u9000\u4f11\u5f8c\u7684\u6d88\u8cbb\u65b9\u5f0f\u3002<\/mark><\/strong>\u6bcf\u5e74\u7684\u652f\u51fa\u91d1\u984d\u6709\u53ef\u80fd\u8b8a\u52d5\u975e\u5e38\u5927\uff0c\u4e00\u822c\u4f86\u8aaa\uff0c\u4f60\u82b1\u8cbb\u7684\u91d1\u984d\u53ef\u80fd\u6703\u5728\u6574\u500b\u9000\u4f11\u671f\u9593\u767c\u751f\u8b8a\u5316\u3002<\/p>\n\n\n\n

#\u9069<\/mark>\u7528\u65bc\u7279\u5b9a\u7684\u6295\u8cc7\u7d44\u5408\u7d44\u6210<\/mark><\/h4>\n\n\n\n

\u8a2d\u8a08\u8005\u4f7f\u7528 50% \u80a1\u7968\u548c 50% \u50b5\u5238\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u800c\u4e14\u7686\u4ee5\u7f8e\u570b\u8cc7\u7522\u70ba\u4e3b\u3002<\/p>\n\n\n\n

\u4f60\u7684\u5be6\u969b\u6295\u8cc7\u7d44\u5408\u69cb\u6210\u4e00\u5b9a\u6703\u6709\u6240\u4e0d\u540c\uff0c\u4e26\u4e14\u53ef\u80fd\u6703\u5728\u9000\u4f11\u671f\u9593\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\u6539\u8b8a\u8cc7\u7522\u914d\u7f6e\u7684\u6bd4\u4f8b\u3002\u901a\u5e38\u6211\u5011\u6703\u5efa\u8b70\u5c07\u6295\u8cc7\u7d44\u5408\u591a\u6a23\u5316\uff0c\u5168\u7403\u5e03\u5c40\uff0c\u6db5\u84cb\u5ee3\u6cdb\u7684\u8cc7\u7522\u985e\u5225\uff0c\u4e26\u5728\u9000\u4f11\u671f\u9593\u6e1b\u5c11\u5c0d\u80a1\u7968\u7684\u914d\u7f6e\u3002<\/mark><\/strong><\/p>\n\n\n\n

#\u5b83<\/mark>\u4f7f\u7528\u6b77\u53f2\u5e02\u5834\u5831\u916c<\/mark><\/h4>\n\n\n\n

\u672a\u4f86\u5404\u985e\u8cc7\u7522\u5831\u916c\u80fd\u5426\u7dad\u6301\u8ddf\u904e\u53bb\u4e00\u6a23\u9ad8? \u6642\u4ee3\u74b0\u5883\u7684\u4e0d\u540c\uff0c\u4e5f\u8b93\u8a31\u591a\u4eba\u5b58\u7591\u3002<\/p>\n\n\n\n

Charles Schwab Investment Advisory, Inc. ( CSIA ) \u7684\u5206\u6790\u9810\u6e2c\uff0c\u672a\u4f86\u5341\u5e74\u80a1\u7968\u548c\u50b5\u5238\u7684\u5e02\u5834\u5831\u916c\u53ef\u80fd\u4f4e\u65bc\u6b77\u53f2\u5e73\u5747\u6c34\u5e73 ; Vanguard \u4f7f\u7528 Vanguard Capital Markets Model\u00ae ( VCMM )\u9810\u6e2c\u672a\u4f86\u5404\u985e\u8cc7\u7522\u5831\u916c\u7387\uff0c\u4e0d\u8ad6\u662f\u80a1\u7968\u6216\u50b5\u5238\u7684\u672a\u4f86\u8cc7\u7522\u5831\u916c\u90fd\u53ef\u80fd\u6bd4\u6b77\u53f2\u4f4e\u8a31\u591a\u3002<\/p>\n\n\n\n

\u53ea\u95dc\u6ce8\u6b77\u53f2\u5831\u916c\u53ef\u80fd\u6703\u4f7f\u6295\u8cc7\u4eba\u5c0d\u672a\u4f86\u904e\u65bc\u6a02\u89c0\uff0c\u4f7f\u7528\u6b77\u53f2\u5831\u916c\u4f86\u8a08\u7b97\u53ef\u6301\u7e8c\u7684\u63d0\u9818\u7387\u53ef\u80fd\u6703\u5c0e\u81f4\u63d0\u9818\u7387\u904e\u9ad8\uff0c\u6700\u7d42\u7121\u6cd5\u6210\u529f\u9000\u4f11\u3002<\/mark><\/strong><\/p>\n\n\n\n

#\u5b83<\/mark>\u5047\u8a2d\u4e00\u500b 30 \u5e74\u7684\u898f\u5283\u9577\u5ea6<\/mark><\/h4>\n\n\n\n

\u6839\u64da\u4f60\u7684\u5e74\u9f61\uff0c\u53ef\u80fd\u4e0d\u9700\u8981 30 \u5e74\u3002\u7537\u4eba\u8207\u5973\u4eba\u7684\u5e73\u5747\u58fd\u547d\u4e0d\u540c\uff0c\u6bcf\u500b\u4eba\u7684\u8eab\u9ad4\u72c0\u6cc1\u4e5f\u4e0d\u540c\u3002<\/p>\n\n\n\n

\u800c\u9000\u4f11\u898f\u5283\u61c9\u8a72\u662f\u8981\u505a\u7684\u66f4\u5b8c\u6574\u5145\u8db3\uff0c\u6211\u8a8d\u70ba\u61c9\u8a72\u70ba\u9000\u4f11\u505a\u66f4\u9577\u671f\u7684\u8a08\u5283\u3002\u9000\u4f11\u5f8c\u8cc7\u91d1\u7528\u5b8c\u662f\u4e00\u500b\u5de8\u5927\u7684\u98a8\u96aa\uff0c\u56e0\u70ba\u6211\u5011\u7121\u6cd5\u518d\u56de\u5230\u8077\u5834\u3002<\/mark><\/strong>\u56e0\u6b64\uff0c\u6211\u5011\u61c9\u8a72\u66f4\u8070\u660e\u5730\u8abf\u6574\u63d0\u9818\u6bd4\u4f8b\uff0c\u6839\u64da\u81ea\u5df1\u7684\u5be6\u969b\u60c5\u6cc1\u8a08\u7b97\u5408\u7406\u7684\u6bd4\u4f8b\u3002\u63db\u53e5\u8a71\u8aaa\uff0c 4% \u6cd5\u5247\u4e0d\u4e00\u5b9a\u9069\u5408\u4f60\u7684\u60c5\u6cc1\u3002<\/p>\n\n\n\n

#\u5b83<\/mark>\u7684\u6a21\u64ec\u898f\u756b\u6210\u529f\u6a5f\u7387\u5e7e\u4e4e\u63a5\u8fd1 100 %<\/mark><\/h4>\n\n\n\n

\u8a2d\u8a08\u8005\u7576\u521d\u5728\u9032\u884c\u898f\u5283\u6a21\u64ec\u6642\uff0c\u5e7e\u4e4e\u662f\u7528 100 % \u6210\u529f\u6a5f\u7387\u7684\u57fa\u790e\u8a08\u7b97\uff0c\u63db\u53e5\u8a71\u8aaa\uff0c\u5b83\u5047\u8a2d\u5728\u5e7e\u4e4e\u6240\u6709\u7684\u5e02\u5834\u672a\u4f86\u60c5\u6cc1\u4e0b\uff0c\u9019\u500b\u6295\u8cc7\u5e33\u6236\u5728 30 \u5e74\u5f8c\uff0c\u90fd\u4e0d\u6703\u51fa\u73fe\u8ca0\u9918\u984d( \u7834\u7522\uff0c\u5e33\u6236\u8cc7\u91d1 < 0 )<\/mark><\/strong>\u3002\u9019\u5728\u7406\u8ad6\u4e0a\u53ef\u80fd\u807d\u8d77\u4f86\u4e0d\u932f\uff0c\u4f46\u5be6\u969b\u4e0a\u6709\u4e9b\u4e0d\u5207\u5be6\u969b\uff0c\u56e0\u70ba\u9019\u610f\u5473\u8457\u4f60\u5fc5\u9808100%\u7d00\u5f8b\u5730\u9075\u5b88\u4e00\u5207\u898f\u5283\uff0c\u6c92\u6709\u4efb\u4f55\u5f48\u6027\u8b8a\u5316\uff0c\u624d\u80fd\u9054\u5230\u9019\u7a2e\u5b89\u5168\u6c34\u5e73\u3002<\/p>\n\n\n\n

\u5be6\u969b\u4e0a\uff0c\u901a\u904e\u4fdd\u6301\u9748\u6d3b\u6027\u4e26\u6bcf\u5e74\u91cd\u65b0\u5be9\u8996\u4f60\u7684\u63d0\u9818\u7387\uff0c\u8b93\u9000\u4f11\u751f\u6d3b\u66f4\u591a\u5f48\u6027\u8207\u7f8e\u597d\uff0c\u53ef\u4ee5\u4e0d\u9700\u8981\u4ee5\u5982\u6b64\u9ad8\u7684\u4fe1\u5fc3\u6c34\u5e73\u70ba\u76ee\u6a19\u3002<\/p>\n\n\n\n

#\u5b83<\/mark>\u4e0d\u5305\u62ec\u7a05\u6536\u6216\u5176\u4ed6\u6210\u672c\u8cbb\u7528<\/mark><\/h4>\n\n\n\n

4% \u7684\u6cd5\u5247\u4e26\u672a\u5c07\u6295\u8cc7\u8cbb\u7528\u8a08\u5165\u4f30\u8a08\u5831\u916c\uff0c\u9019\u4e5f\u5f71\u97ff\u4e86\u5176\u6210\u529f\u7684\u53ef\u80fd\u6027\uff0c\u5be6\u969b\u4e0a\uff0c\u6700\u5c0f\u5316\u6210\u672c\u53ef\u4ee5\u986f\u8457\u63d0\u9ad8\u6210\u529f\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n\n\n

4% \u6cd5\u5247\u5f88\u7c21\u55ae\uff0c\u4f46\u4e0d\u662f\u842c\u80fd<\/h2>\n\n\n\n

4% \u6cd5\u5247\u80cc\u5f8c\u7684\u95dc\u9375\u5047\u8a2d\uff0c\u8aaa\u7a7f\u4e86\u5c31\u662f\u7d00\u5f8b\uff0c\u4f60\u8981\u7d00\u5f8b\u7684\u6295\u8cc7\uff0c\u7d00\u5f8b\u7684\u63a7\u5236\u6d88\u8cbb<\/mark><\/strong>\uff0c\u800c\u4e14\u8a08\u7b97\u65b9\u5f0f\u5f88\u7c21\u55ae\uff0c\u6bcf\u500b\u4eba\u8a08\u7b97\u4e00\u4e0b\u9810\u8a08\u7684\u6708\u82b1\u8cbb\u518d\u8f49\u63db\u6210\u5e74\u82b1\u8cbb\uff0c\u5c31\u80fd\u5927\u6982\u77e5\u9053\u9000\u4f11\u5f8c\u9700\u8981\u6e96\u5099\u7684\u9000\u4f11\u91d1\u7e3d\u984d\u3002<\/p>\n\n\n\n

\u4f46\u5be6\u969b\u4e0a\uff0c\u4eba\u751f\u8655\u8655\u662f\u98a8\u96aa\u8207\u8b8a\u5316\uff0c\u5373\u4f7f\u7d55\u5c0d\u7d00\u5f8b\u5730\u9075\u5b88\u898f\u5283\uff0c\u9084\u662f\u6709\u6240\u8b02\u300c\u842c\u4e00\u300d\u7684\u60c5\u6cc1\u767c\u751f\uff0c\u5c24\u5176\u96a8\u8457\u5e74\u7d00\u589e\u9577\uff0c\u91ab\u7642\u652f\u51fa\u7684\u7d55\u5c0d\u662f\u6700\u5927\u7684\u4e0d\u78ba\u5b9a\u6027\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u524d\u9663\u5b50\u5f88\u6d41\u884c F.I.R.E. \u904b\u52d5\uff0c\u5b83\u662f\u7531\u82f1\u6587\u7684\u300c Financial Independence, Reti […]<\/p>\n","protected":false},"author":2,"featured_media":4720,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[41,271,464],"class_list":["post-4712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-16","tag-41","tag-271","tag-464"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/4712","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4712"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/4712\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/4720"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}