{"id":4801,"date":"2022-06-19T22:29:05","date_gmt":"2022-06-19T14:29:05","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=4801"},"modified":"2026-10-22T17:17:54","modified_gmt":"2026-10-22T09:17:54","slug":"%e7%84%a1%e7%97%9b%e5%ad%98%e9%80%80%e4%bc%91%e9%87%91%e3%80%8b%e8%a9%b2%e5%a6%82%e4%bd%95%e5%89%b5%e9%80%a0%e6%9b%b4%e5%a4%9a%e8%a2%ab%e5%8b%95%e6%94%b6%e5%85%a5-6%e7%a8%ae%e9%80%80%e4%bc%91","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=4801","title":{"rendered":"\u52d5\u614b\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f6\u7a2e\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565\u6bd4\u8f03\u8868"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565\u6709 6 \u7a2e\uff1a4% \u6cd5\u5247\u3001\u56fa\u5b9a\u91d1\u984d\u3001\u56fa\u5b9a\u6bd4\u4f8b\u3001\u914d\u606f\u3001\u6c34\u6876\u8207\u52d5\u614b\u63d0\u9818\uff1b\u6c42\u7a69\u9078\u56fa\u5b9a\u91d1\u984d\uff0c\u6015\u521d\u671f\u4e0b\u8dcc\u9078\u52d5\u614b\u63d0\u9818\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u570b\u4eba\u5e73\u5747\u58fd\u547d\u5df2\u5230 80.77 \u6b72<sup>[6]<\/sup>\uff0c65 \u6b72\u9000\u4f11\u7684\u4eba\uff0c\u9000\u4f11\u91d1\u591a\u534a\u8981\u6490 20 \u5e74\u4ee5\u4e0a\uff0c\u52a0\u4e0a\u4f4e\u5229\u7387\u6642\u671f\u5b9a\u5b58\u5229\u606f\u6709\u9650\uff0c\u653f\u5e9c\u5e74\u91d1\u53c8\u53ea\u80fd\u8ca0\u64d4\u4e00\u90e8\u5206\u751f\u6d3b\u8cbb\uff0c\u8d8a\u4f86\u8d8a\u591a\u4eba\u958b\u59cb\u81ea\u5df1\u6e96\u5099\u9000\u4f11\u91d1\uff0c\u9000\u4f11\u5f8c\u600e\u9ebc\u5f9e\u5e33\u6236\u88e1\u9818\u9322\uff0c\u4e5f\u5c31\u6210\u4e86\u9000\u4f11\u898f\u5283\u88e1\u6700\u5e38\u88ab\u8a0e\u8ad6\u7684\u984c\u76ee\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5404\u7a2e\u63d0\u9818\u65b9\u5f0f\u80cc\u5f8c\u7684\u7814\u7a76\u4e0d\u5c11\uff0c\u7f8e\u570b\u7684 4% \u6cd5\u5247\u4f86\u81ea 1994 \u5e74 William Bengen \u7684\u7814\u7a76<sup>[1]<\/sup>\uff0c\u6668\u661f\uff08Morningstar\uff09\u6bcf\u5e74\u91cd\u7b97\u4e00\u6b21\u5b89\u5168\u8d77\u59cb\u63d0\u9818\u7387\uff0c2025 \u5e74 12 \u6708\u4f30\u8a08\u662f 3.9%<sup>[3]<\/sup>\uff0c\u52d5\u614b\u63d0\u9818\u88e1\u6700\u5e38\u88ab\u5f15\u7528\u7684\u8b77\u6b04\u6cd5\u5247\u4f86\u81ea Guyton \u8207 Klinger \u5728 2006 \u5e74\u7684\u7814\u7a76<sup>[4]<\/sup>\uff0c\u5404\u81ea\u7684\u505a\u6cd5\u8207\u9069\u7528\u7684\u4eba\uff0c\u4f9d\u5e8f\u5728\u5f8c\u9762\u5404\u7bc0\u8aaa\u660e\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u63d0\u9818\u7b56\u7565\uff0c\u767d\u8a71\u8aaa\u5c31\u662f\u9000\u4f11\u5f8c\u6bcf\u5e74\u5f9e\u6295\u8cc7\u5e33\u6236\u8ce3\u6389\u4e00\u90e8\u5206\u6301\u80a1\uff0c\u628a\u8ce3\u5f97\u7684\u9322\u7576\u4f5c\u751f\u6d3b\u8cbb\uff0c\u898f\u5247\u4e8b\u5148\u8a02\u597d\uff0c\u9818\u591a\u5c11\u3001\u4ec0\u9ebc\u6642\u5019\u8abf\u6574\u90fd\u7167\u898f\u5247\u8d70\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u904e\u53bb\u591a\u6578\u4eba\u9760\u80a1\u7968\u80a1\u606f\u6216\u50b5\u5238\u5229\u606f\u652f\u6490\u9000\u4f11\u91d1\u6d41\uff0c\u4f46\u5b58\u80a1\u5e38\u5e38\u8b8a\u6210\u5b58\u9aa8\uff0c\u8cfa\u4e86\u80a1\u606f\u3001\u8ce0\u4e86\u50f9\u5dee\uff0c\u5e33\u6236\u7e3d\u503c\u5be6\u969b\u4e0a\u6c92\u6709\u6210\u9577\uff0c\u53f0\u7063\u80a1\u5e02\u53c8\u6709\u7279\u6709\u7684\u9ad8\u6b96\u5229\u7387\u6587\u5316\uff0c\u8a31\u591a\u6295\u8cc7\u4eba\u53ea\u77e5\u9053\u9818\u914d\u606f\uff0c\u4e0d\u77e5\u9053\u9084\u6709\u5176\u4ed6\u66f4\u6709\u7cfb\u7d71\u3001\u53ef\u4ee5\u4e8b\u5148\u6aa2\u9a57\u7684\u63d0\u9818\u65b9\u5f0f\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8981\u81ea\u5df1\u505a\u51fa\u4e00\u689d\u5b89\u5fc3\u7684\u9000\u4f11\u91d1\u73fe\u91d1\u6d41\uff0c\u524d\u63d0\u662f\u6295\u8cc7\u7d44\u5408\u6709\u9577\u671f\u7a69\u5b9a\u3001\u5408\u7406\u7684\u9810\u671f\u5831\u916c\uff0c\u6709\u4e86\u9019\u500b\u57fa\u790e\uff0c\u5c31\u80fd\u53cd\u63a8\u6bcf\u5e74\u8ce3\u6389\u6301\u80a1\u80fd\u9818\u51fa\u7684\u91d1\u984d\uff0c\u5360\u6574\u9ad4\u90e8\u4f4d\u591a\u5c11\u6bd4\u4f8b\u624d\u6490\u5f97\u4e45\uff0c\u9019\u500b\u6bd4\u4f8b\u5c31\u662f\u63d0\u9818\u7387\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7814\u7a76\u4e0a\u5e38\u7528\u7684\u6aa2\u9a57\u65b9\u5f0f\u662f\u770b\u6b77\u53f2\u8cc7\u6599\uff0c1999 \u5e74\u7684 Trinity Study \u7528\u7f8e\u570b\u80a1\u7968\u8207\u9577\u671f\u516c\u53f8\u50b5\u5404\u534a\u7684\u7d44\u5408\u56de\u6e2c\uff0c\u6bcf\u5e74\u63d0\u9818\u8d77\u59cb\u8cc7\u7522\u7684 4% \u4e26\u96a8\u901a\u81a8\u8abf\u6574\uff0c1926\uff5e1997 \u5e74\u9593\u6490\u904e 30 \u5e74\u7684\u6bd4\u7387\u662f 95%<sup>[2]<\/sup>\uff0c\u63d0\u9818\u7387\u8d8a\u4f4e\u65bc\u7d44\u5408\u7684\u9577\u671f\u5831\u916c\uff0c\u9322\u7528\u5b8c\u7684\u6a5f\u6703\u8d8a\u5c0f\uff0c\u4f46\u5e02\u5834\u7e3d\u6703\u51fa\u73fe\u6975\u7aef\u72c0\u6cc1\uff0c\u6240\u4ee5\u63d0\u9818\u8a08\u756b\u8981\u5b9a\u671f\u6aa2\u8996\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7121\u8ad6\u5e33\u6236\u88e1\u6709\u591a\u5c11\u9322\uff0c\u6bcf\u500b\u4eba\u7684\u652f\u51fa\u7fd2\u6163\u3001\u60f3\u5b8c\u6210\u7684\u4e8b\u3001\u60f3\u7559\u7d66\u4e0b\u4e00\u4ee3\u7684\u91d1\u984d\u90fd\u4e0d\u4e00\u6a23\uff0c\u9069\u5408\u7684\u63d0\u9818\u65b9\u5f0f\u4e5f\u4e0d\u540c\uff0c6 \u7a2e\u7b56\u7565\u7684\u5dee\u5225\u5148\u770b\u4e00\u5f35\u8868\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">6 \u7a2e\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565\u6bd4\u8f03\u8868<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u7b56\u7565<\/th>\n<th>\u600e\u9ebc\u9818<\/th>\n<th>\u512a\u9ede<\/th>\n<th>\u98a8\u96aa<\/th>\n<th>\u9069\u5408\u8ab0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4% \u6cd5\u5247<\/td>\n<td>\u7b2c\u4e00\u5e74\u9818\u8d77\u59cb\u8cc7\u7522 4%\uff0c\u4e4b\u5f8c\u6bcf\u5e74\u4f9d\u901a\u81a8\u8abf\u6574\u91d1\u984d<\/td>\n<td>\u7c21\u55ae\u3001\u6bcf\u5e74\u6536\u5165\u53ef\u9810\u671f<\/td>\n<td>\u9000\u4f11\u982d\u5e7e\u5e74\u9047\u5230\u4e0b\u8dcc\uff0c\u53ef\u80fd\u63d0\u65e9\u7528\u5b8c<\/td>\n<td>\u652f\u51fa\u56fa\u5b9a\u3001\u60f3\u8981\u7c21\u55ae\u898f\u5247\u7684\u4eba<\/td>\n<\/tr>\n<tr>\n<td>\u56fa\u5b9a\u91d1\u984d<\/td>\n<td>\u4e00\u6bb5\u671f\u9593\u6bcf\u6708\u9818\u56fa\u5b9a\u91d1\u984d\uff0c\u671f\u6eff\u518d\u91cd\u4f30<\/td>\n<td>\u597d\u505a\u9810\u7b97<\/td>\n<td>\u4e0d\u6297\u901a\u81a8\uff0c\u4e0b\u8dcc\u6642\u8981\u591a\u8ce3\u6301\u80a1<\/td>\n<td>\u6709\u77ed\u671f\u660e\u78ba\u958b\u92b7\u3001\u6703\u5b9a\u671f\u91cd\u4f30\u7684\u4eba<\/td>\n<\/tr>\n<tr>\n<td>\u56fa\u5b9a\u6bd4\u4f8b<\/td>\n<td>\u6bcf\u5e74\u9818\u5e74\u521d\u8cc7\u7522\u7684\u56fa\u5b9a\u6bd4\u4f8b<\/td>\n<td>\u4e0d\u5bb9\u6613\u628a\u9322\u7528\u5b8c<\/td>\n<td>\u6bcf\u5e74\u6536\u5165\u8ddf\u8457\u5e02\u5834\u8d77\u843d<\/td>\n<td>\u652f\u51fa\u6709\u5f48\u6027\u3001\u6709\u5176\u4ed6\u56fa\u5b9a\u6536\u5165\u7684\u4eba<\/td>\n<\/tr>\n<tr>\n<td>\u53ea\u9818\u914d\u606f\uff08\u7cfb\u7d71\u6027\u63d0\u9818\uff09<\/td>\n<td>\u53ea\u9818\u80a1\u606f\u8207\u50b5\u606f\uff0c\u4e0d\u52d5\u672c\u91d1<\/td>\n<td>\u672c\u91d1\u4e0d\u8ce3<\/td>\n<td>\u914d\u606f\u96a8\u666f\u6c23\u8b8a\u52d5\uff0c\u8ddf\u4e0d\u4e0a\u901a\u81a8\uff0c\u9078\u932f\u6a19\u7684\u672c\u91d1\u4e5f\u6703\u7e2e\u6c34<\/td>\n<td>\u672c\u91d1\u5f88\u5927\u3001\u914d\u606f\u5c31\u5920\u751f\u6d3b\u7684\u4eba<\/td>\n<\/tr>\n<tr>\n<td>\u6c34\u6876\u7b56\u7565<\/td>\n<td>\u73fe\u91d1\u3001\u50b5\u5238\u3001\u80a1\u7968\u5206\u4e09\u6876\uff0c\u5148\u7528\u73fe\u91d1\u6876<\/td>\n<td>\u4e0b\u8dcc\u6642\u4e0d\u5fc5\u8ce3\u80a1\u7968<\/td>\n<td>\u8981\u5b9a\u671f\u88dc\u6876\uff0c\u64cd\u4f5c\u8f03\u8cbb\u5de5<\/td>\n<td>\u60f3\u770b\u5f97\u5230\u5e7e\u5e74\u751f\u6d3b\u8cbb\u7684\u4eba<\/td>\n<\/tr>\n<tr>\n<td>\u52d5\u614b\u63d0\u9818\uff08\u8b77\u6b04\u6cd5\u7b49\uff09<\/td>\n<td>\u4f9d\u5831\u916c\u8207\u63d0\u9818\u7387\uff0c\u6309\u898f\u5247\u8abf\u9ad8\u6216\u8abf\u4f4e\u91d1\u984d<\/td>\n<td>\u7528\u5b8c\u7684\u6a5f\u6703\u4f4e\uff0c\u597d\u5e74\u53ef\u4ee5\u591a\u9818<\/td>\n<td>\u6536\u5165\u6bcf\u5e74\u4e0d\u540c\uff0c\u8981\u7167\u898f\u5247\u57f7\u884c<\/td>\n<td>\u6709\u57fa\u672c\u652f\u51fa\u5e95\u7dda\u3001\u80fd\u63a5\u53d7\u5c0f\u5e45\u8abf\u6574\u7684\u4eba<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1aBengen\uff081994\uff09\u3001Cooley \u7b49\uff081999\uff09\u3001Guyton \u8207 Klinger\uff082006\uff09\u3001Jaconetti \u7b49\uff082013\uff09\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u8868\u88e1\u7684\u512a\u7f3a\u9ede\u5404\u6709\u53d6\u6368\uff0c\u7c21\u55ae\u7684\u65b9\u6cd5\u5bb9\u6613\u57f7\u884c\uff0c\u4f46\u6bd4\u8f03\u96e3\u56e0\u61c9\u5e02\u5834\u8b8a\u5316\uff0c\u63a5\u8457\u9010\u4e00\u8aaa\u660e\u6bcf\u7a2e\u65b9\u5f0f\u600e\u9ebc\u7b97\uff0c\u4f60\u53ef\u4ee5\u5148\u627e\u51fa\u6700\u63a5\u8fd1\u81ea\u5df1\u652f\u51fa\u7fd2\u6163\u7684\u90a3\u4e00\u5217\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">4% \u6cd5\u5247\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f\uff084% withdrawal rule\uff09<\/h2>\n\n<p class=\"wp-block-paragraph\">4% \u6cd5\u5247\u662f\u9000\u4f11\u7b2c\u4e00\u5e74\u63d0\u9818\u9000\u4f11\u6e96\u5099\u91d1\u7684 4%\uff0c\u4e4b\u5f8c\u6bcf\u5e74\u53ea\u4f9d\u901a\u81a8\u8abf\u6574\u91d1\u984d\uff0c\u4e0d\u7ba1\u5e02\u5834\u6f32\u8dcc<sup>[1]<\/sup>\uff0c\u4f8b\u5982\u9000\u4f11\u6642\u7d2f\u7a4d 100 \u842c\u5143\uff0c\u7b2c\u4e00\u5e74\u9818 40,000 \u5143\uff0c\u5047\u8a2d\u901a\u81a8\u6bcf\u5e74 2%\uff0c\u7b2c\u4e8c\u5e74\u9818 40,800 \u5143\uff0c\u7b2c\u4e09\u5e74\u9818 41,616 \u5143\uff0c\u4f9d\u6b64\u985e\u63a8\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">Trinity Study \u9a57\u8b49\u80a1\u50b5\u5404\u534a\u7684\u7d44\u5408\u9019\u6a23\u63d0\u9818\uff0c\u7f8e\u570b\u6b77\u53f2\u4e0a\u6490\u904e 30 \u5e74\u7684\u6bd4\u7387\u662f 95%<sup>[2]<\/sup>\uff0c\u6668\u661f 2025 \u5e74 12 \u6708\u4f9d\u7576\u6642\u7684\u5831\u916c\u8207\u901a\u81a8\u9810\u4f30\uff0c\u4f30\u8a08 30 \u5e74\u671f\u7684\u5b89\u5168\u8d77\u59cb\u63d0\u9818\u7387\u662f 3.9%<sup>[3]<\/sup>\uff0c\u548c 4% \u76f8\u53bb\u4e0d\u9060\uff0c4% \u6cd5\u5247\u7684\u4f86\u6e90\u3001\u53f0\u7063\u4eba\u600e\u9ebc\u5148\u6263\u52de\u4fdd\u518d\u7b97\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4712\">4% \u6cd5\u5247\uff1a\u9000\u4f11\u91d1\uff1d\u5e74\u652f\u51fa\u00d725\uff0c\u53f0\u7063\u4eba\u5148\u6263\u52de\u4fdd\u518d\u7b97<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u662f\u4e00\u500b\u9577\u671f\u7684\u63d0\u9818\u898f\u5247\uff0c\u8a31\u591a\u4eba\u91cd\u8996\u5b83\uff0c\u56e0\u70ba\u6613\u61c2\u597d\u57f7\u884c\uff0c\u6bcf\u5e74\u7684\u6536\u5165\u4e5f\u53ef\u4ee5\u9810\u671f\uff0c\u7f3a\u9ede\u662f\u5b83\u4e0d\u770b\u5e02\u5834\uff0c\u5982\u679c\u525b\u9000\u4f11\u5c31\u9047\u4e0a\u80a1\u5e02\u6025\u8dcc\uff0c\u7167\u539f\u91d1\u984d\u7e7c\u7e8c\u9818\uff0c\u8cc7\u7522\u6703\u88ab\u63d0\u65e9\u8017\u76e1\uff0c\u9019\u5c31\u662f\u5831\u916c\u9806\u5e8f\u98a8\u96aa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u60f3\u77e5\u9053\u540c\u4e00\u500b\u63d0\u9818\u7387\u5728\u4e0a\u842c\u7a2e\u5e02\u5834\u9806\u5e8f\u4e0b\u6490\u4e0d\u6490\u5f97\u4f4f\uff0c\u53ef\u4ee5\u770b\u300a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1551\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u662f\u4ec0\u9ebc\uff1f\u7528\u4e0a\u842c\u7a2e\u5e02\u5834\u60c5\u5883\u6aa2\u9a57\u9000\u4f11\u8a08\u756b<\/a>\u300b\uff0c\u5b83\u628a\u300c\u9000\u4f11\u982d\u5e7e\u5e74\u5148\u8dcc\u300d\u9019\u985e\u5831\u916c\u9806\u5e8f\u7684\u5f71\u97ff\uff0c\u7b97\u6210\u8a08\u756b\u7684\u6210\u529f\u6a5f\u7387\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u56fa\u5b9a\u91d1\u984d\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f\uff08fixed-dollar withdrawals\uff09<\/h2>\n\n<p class=\"wp-block-paragraph\">\u56fa\u5b9a\u91d1\u984d\u63d0\u9818\u662f\u5728\u4e00\u6bb5\u671f\u9593\u5167\u6bcf\u6708\u9818\u51fa\u540c\u6a23\u7684\u91d1\u984d\uff0c\u4f8b\u5982 65\uff5e70 \u6b72\u6bcf\u6708\u9818 40,000 \u5143\uff0c\u4e94\u5e74\u671f\u6eff\u5f8c\u518d\u91cd\u65b0\u8a55\u4f30\u8981\u9818\u591a\u5c11\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b83\u63d0\u4f9b\u53ef\u9810\u671f\u7684\u6536\u5165\uff0c\u65b9\u4fbf\u505a\u9810\u7b97\uff0c\u500b\u4eba\u8cc7\u91d1\u7ba1\u7406\u4e5f\u7c21\u55ae\u6613\u61c2\uff0c\u4f46\u5b83\u5c0d\u901a\u81a8\u6c92\u6709\u9632\u8b77\uff0c\u4eca\u5e74\u7684 40,000 \u5143\u548c\u660e\u5e74\u7684\u8cfc\u8cb7\u529b\u4e0d\u540c\uff0c\u800c\u4e14\u4f9d\u9078\u64c7\u7684\u91d1\u984d\u9ad8\u4f4e\uff0c\u53ef\u80fd\u4fb5\u8755\u672c\u91d1\uff0c\u5e02\u5834\u4e0b\u8dcc\u6642\u4e5f\u5f97\u8ce3\u6389\u66f4\u591a\u8cc7\u7522\u624d\u6e4a\u5f97\u5230\u540c\u6a23\u7684\u91d1\u984d\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u53f0\u7063\u4e0a\u73ed\u65cf\u9000\u4f11\u6642\uff0c\u52de\u9000\u5c08\u6236\u9078\u64c7\u6708\u9818\uff0c\u4e5f\u662f\u4e00\u7a2e\u63a5\u8fd1\u56fa\u5b9a\u91d1\u984d\u7684\u63d0\u9818\uff0c\u6bcf\u6708\u9818\u591a\u5c11\u7531\u5c08\u6236\u672c\u606f\u3001\u5e73\u5747\u9918\u547d\u548c\u52de\u4fdd\u5c40\u516c\u544a\u7684\u5229\u7387\u6c7a\u5b9a\uff0c6% \u600e\u9ebc\u7d2f\u7a4d\u3001\u6708\u9818\u80fd\u9818\u591a\u4e45\uff0c\u53ef\u4ee5\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u9000\u65b0\u5236\u8a66\u7b97\uff1a6% \u600e\u9ebc\u7b97\u3001\u600e\u9ebc\u9818\uff1f2026 \u6708\u9818\u5c0d\u7167\u8868<\/a>\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u56fa\u5b9a\u6bd4\u4f8b\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f\uff08fixed-percentage withdrawals\uff09<\/h2>\n\n<p class=\"wp-block-paragraph\">\u56fa\u5b9a\u6bd4\u4f8b\u63d0\u9818\u662f\u6bcf\u5e74\u63d0\u9818\u6295\u8cc7\u7d44\u5408\u7684\u56fa\u5b9a\u6bd4\u4f8b\uff0c\u91d1\u984d\u4f9d\u6bcf\u5e74\u5e74\u521d\uff08\u6216\u524d\u4e00\u5e74\u5e74\u5e95\uff09\u7684\u5be6\u969b\u8cc7\u7522\u6de8\u503c\u8a08\u7b97\uff0c\u6240\u4ee5\u6bcf\u5e74\u90fd\u4e0d\u4e00\u6a23\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5b83\u548c 4% \u6cd5\u5247\u7684\u5dee\u5225\u5728\u65bc\u8a08\u7b97\u57fa\u790e\uff0c4% \u6cd5\u5247\u4ee5\u9000\u4f11\u7b2c\u4e00\u5e74\u7684\u8cc7\u7522\u7b97\u51fa\u91d1\u984d\uff0c\u4e4b\u5f8c\u53ea\u505a\u901a\u81a8\u8abf\u6574\uff0c\u56fa\u5b9a\u6bd4\u4f8b\u5247\u662f\u6bcf\u5e74\u7528\u7576\u6642\u7684\u8cc7\u7522\u6de8\u503c\u4e58\u4e0a\u540c\u4e00\u500b\u6bd4\u4f8b\uff0c\u5e02\u5834\u8dcc\u4e86\u81ea\u52d5\u5c11\u9818\uff0c\u8cc7\u7522\u4e5f\u5c31\u4e0d\u5bb9\u6613\u7528\u5b8c\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u7a2e\u65b9\u6cd5\u516c\u5f0f\u7c21\u55ae\uff0c\u9078\u7684\u6bd4\u4f8b\u4f4e\u65bc\u9810\u671f\u5831\u916c\u7387\u6642\uff0c\u6536\u5165\u548c\u5e33\u6236\u50f9\u503c\u6709\u6a5f\u6703\u4e00\u8d77\u6210\u9577\uff0c\u6bd4\u4f8b\u592a\u9ad8\u5247\u53ef\u80fd\u904e\u65e9\u8017\u76e1\u8cc7\u7522\uff0c\u7f3a\u9ede\u662f\u6536\u5165\u4e0d\u7a69\u5b9a\uff0c\u4e0b\u8dcc\u7684\u90a3\u4e00\u5e74\u751f\u6d3b\u8cbb\u4e5f\u8ddf\u8457\u7e2e\u6c34\uff0c\u6bd4\u8f03\u9069\u5408\u652f\u51fa\u6709\u5f48\u6027\u3001\u6216\u53e6\u6709\u52de\u4fdd\u5e74\u91d1\u7b49\u56fa\u5b9a\u6536\u5165\u588a\u5e95\u7684\u4eba\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u53ea\u9818\u914d\u606f\u7684\u7cfb\u7d71\u6027\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f\uff08systematic withdrawal plan\uff09<\/h2>\n\n<p class=\"wp-block-paragraph\">\u7cfb\u7d71\u6027\u63d0\u9818\u53ea\u9818\u6295\u8cc7\u7d44\u5408\u7522\u751f\u7684\u6536\u5165\uff0c\u4f8b\u5982\u80a1\u606f\u8207\u50b5\u606f\uff0c\u4e0d\u8ce3\u672c\u91d1\uff0c\u76ee\u7684\u662f\u8b93\u672c\u91d1\u7dad\u6301\u4e0d\u8b8a\u3001\u907f\u514d\u9322\u7528\u5b8c\uff0c\u4e5f\u4fdd\u7559\u672c\u91d1\u96a8\u6642\u9593\u6210\u9577\u7684\u7a7a\u9593\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4f46\u6bcf\u5e74\u9818\u5230\u7684\u91d1\u984d\u6703\u96a8\u5e02\u5834\u548c\u4f01\u696d\u7372\u5229\u8b8a\u52d5\uff0c\u666f\u6c23\u5dee\u3001\u4f01\u696d\u7372\u5229\u8870\u9000\u6642\uff0c\u914d\u606f\u53ef\u80fd\u5927\u5e45\u6e1b\u5c11\uff0c\u53e6\u4e00\u500b\u98a8\u96aa\u662f\u914d\u606f\u8ddf\u4e0d\u4e0a\u901a\u81a8\uff0c\u9078\u932f\u6a19\u7684\u6642\u672c\u91d1\u4e5f\u6703\u7e2e\u6c34\uff0c\u9019\u7a2e\u65b9\u6cd5\u901a\u5e38\u6bd4\u8f03\u9069\u5408\u672c\u91d1\u975e\u5e38\u5927\u3001\u5149\u9760\u914d\u606f\u5c31\u5920\u751f\u6d3b\u7684\u6295\u8cc7\u4eba\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u6c34\u6876\u63d0\u9818\u7b56\u7565\u662f\u4ec0\u9ebc\uff1f\uff08withdrawal buckets strategy\uff09<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6c34\u6876\u7b56\u7565\u628a\u9000\u4f11\u91d1\u5206\u6210\u4e09\u500b\u6c34\u6876\uff0c\u5404\u653e\u4e0d\u540c\u985e\u578b\u7684\u8cc7\u7522\uff0c\u7b2c\u4e00\u6876\u653e\u73fe\u91d1\u8207\u5b58\u6b3e\uff0c\u901a\u5e38\u662f\u4e09\u5230\u4e94\u5e74\u7684\u751f\u6d3b\u8cbb\uff0c\u7b2c\u4e8c\u6876\u653e\u8f03\u4fdd\u5b88\u7684\u56fa\u5b9a\u6536\u76ca\uff0c\u7b2c\u4e09\u6876\u653e\u8f03\u7a4d\u6975\u7684\u80a1\u7968\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u521d\u671f\u5148\u7528\u7b2c\u4e00\u6876\u7684\u73fe\u91d1\uff0c\u7559\u51fa\u5e7e\u5e74\u6642\u9593\u8b93\u53e6\u5916\u5169\u6876\u7e7c\u7e8c\u6295\u8cc7\uff0c\u7b2c\u4e00\u6876\u5feb\u7528\u5b8c\u6642\uff0c\u518d\u7528\u7b2c\u4e8c\u3001\u7b2c\u4e09\u6876\u7684\u6536\u76ca\u6216\u8ce3\u51fa\u90e8\u4f4d\u88dc\u56de\u4f86\uff0c\u5e02\u5834\u4e0b\u8dcc\u6642\u53ef\u4ee5\u5148\u4e0d\u52d5\u80a1\u7968\u6876\uff0c\u7b49\u56de\u5347\u518d\u88dc\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u9019\u7a2e\u65b9\u6cd5\u8b93\u6295\u8cc7\u4eba\u6e05\u695a\u770b\u5230\u672a\u4f86\u5e7e\u5e74\u7684\u751f\u6d3b\u8cbb\u5728\u54ea\u88e1\uff0c\u5fc3\u7406\u4e0a\u6bd4\u8f03\u5b89\u5fc3\uff0c\u7f3a\u9ede\u662f\u8981\u5b9a\u671f\u6aa2\u67e5\u3001\u88dc\u6876\uff0c\u4ec0\u9ebc\u6642\u5019\u88dc\u3001\u88dc\u591a\u5c11\u90fd\u8981\u5224\u65b7\uff0c\u57f7\u884c\u8d77\u4f86\u6bd4\u8f03\u8017\u6642\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-mid alpha-cta-retire 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>\u770b\u5b8c\u898f\u5b9a\uff0c\u9084\u662f\u4e0d\u78ba\u5b9a\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u5920\u4e0d\u5920\u7528\uff1f<\/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:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;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\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u52d5\u614b\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f\u52d5\u614b\u63d0\u9818\u7b56\u7565\u600e\u9ebc\u505a<\/h2>\n\n<p class=\"wp-block-paragraph\">\u52d5\u614b\u63d0\u9818\u662f\u6c92\u6709\u56fa\u5b9a\u91d1\u984d\u3001\u6bcf\u5e74\u4f9d\u6295\u8cc7\u5831\u916c\u8207\u63d0\u9818\u7387\u6309\u898f\u5247\u8abf\u6574\u63d0\u9818\u91d1\u984d\u7684\u65b9\u6cd5\uff0c\u5831\u916c\u597d\u6642\u591a\u9818\uff0c\u5831\u916c\u5dee\u6642\u5c11\u9818\uff0c\u4f46\u6700\u5c11\u8981\u6eff\u8db3\u57fa\u672c\u751f\u6d3b\u652f\u51fa\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u505a\u6cd5\u4e0a\u6703\u540c\u6642\u8003\u616e\u5e02\u5834\u8868\u73fe\u548c\u60f3\u7559\u7d66\u4e0b\u4e00\u4ee3\u7684\u91d1\u984d\uff0c\u5728\u6eff\u8db3\u6700\u4f4e\u751f\u6d3b\u652f\u51fa\u7684\u524d\u63d0\u4e0b\uff0c\u8b93\u9000\u4f11\u5f8c\u6bcf\u5e74\u80fd\u9818\u7684\u9322\u76e1\u91cf\u591a\uff0c\u9019\u7a2e\u5f48\u6027\u53ef\u4ee5\u964d\u4f4e\u9577\u58fd\u98a8\u96aa\uff0c\u4e5f\u8b93\u597d\u5e74\u4efd\u7684\u9322\u4e0d\u5fc5\u9592\u7f6e\uff0c\u4ee3\u50f9\u662f\u6bcf\u5e74\u6536\u5165\u4e0d\u4e00\u5b9a\uff0c\u4e8b\u5148\u6bd4\u8f03\u96e3\u7cbe\u78ba\u9810\u4f30\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5e38\u898b\u7684\u52d5\u614b\u63d0\u9818\u898f\u5247\u6709\u5169\u985e\uff0c\u4e00\u985e\u662f Vanguard \u7814\u7a76\u7684\u4e0a\u4e0b\u9650\u6cd5\uff0c\u6bcf\u5e74\u7684\u63d0\u9818\u91d1\u984d\u4ee5\u524d\u4e00\u5e74\u70ba\u57fa\u6e96\uff0c\u6700\u591a\u8abf\u9ad8 5%\u3001\u6700\u591a\u8abf\u4f4e 2.5%<sup>[5]<\/sup>\uff0c\u53e6\u4e00\u985e\u662f Guyton \u8207 Klinger \u7684\u8b77\u6b04\u6cd5\uff0c\u7528\u63d0\u9818\u7387\u662f\u5426\u8d8a\u754c\u6c7a\u5b9a\u8981\u4e0d\u8981\u8abf\u6574<sup>[4]<\/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\/4801_withdraw_amount.png\" alt=\"\u540c\u4e00\u689d\u5047\u8a2d\u5831\u916c\u8def\u5f91\u4e0b\uff0c4% \u6cd5\u5247\u3001\u56fa\u5b9a\u6bd4\u4f8b 4% \u8207\u8b77\u6b04\u6cd5\u4e09\u7a2e\u63d0\u9818\u6bcf\u5e74\u9818\u5230\u7684\u91d1\u984d\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97\uff1b4% \u6cd5\u5247\u53c3\u8003 Bengen\uff081994\uff09\uff0c\u8b77\u6b04\u898f\u5247\u53c3\u8003 Guyton \u8207 Klinger\uff082006\uff09\u7c21\u5316\u7248\u3002\u793a\u610f\uff0c\u5047\u8a2d\u8d77\u59cb\u8cc7\u7522 1,000 \u842c\u5143\u3001\u5e74\u521d\u63d0\u9818\u3001\u901a\u81a8\u6bcf\u5e74 2%\u3001\u5831\u916c\u7387\u7b2c 1 \u5e74 \u221220%\u3001\u7b2c 2 \u5e74 \u221210%\u3001\u4e4b\u5f8c\u6bcf\u5e74 +6%\uff0c\u975e\u6b77\u53f2\u7e3e\u6548\uff0c\u4ea6\u975e\u5c0d\u672a\u4f86\u4e4b\u9810\u6e2c\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 1 \u7528\u540c\u4e00\u689d\u5047\u8a2d\u7684\u5831\u916c\u8def\u5f91\u6bd4\u8f03\u4e09\u7a2e\u63d0\u9818\uff0c\u9000\u4f11\u982d\u5169\u5e74\u5148\u8dcc\uff0c4% \u6cd5\u5247\u6bcf\u5e74\u7167\u901a\u81a8\u591a\u9818\uff0c\u6536\u5165\u6700\u7a69\uff0c\u4f46\u5230\u7b2c 26 \u5e74\u9322\u5c31\u4e0d\u5920\u9818\uff0c\u56fa\u5b9a\u6bd4\u4f8b\u8207\u8b77\u6b04\u6cd5\u5728\u4e0b\u8dcc\u5f8c\u5148\u5c11\u9818\uff0c\u6536\u5165\u8f03\u4f4e\u4f46\u4e00\u8def\u9818\u5230\u7b2c 30 \u5e74\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\/4801_withdraw_balance.png\" alt=\"\u540c\u4e00\u689d\u5047\u8a2d\u5831\u916c\u8def\u5f91\u4e0b\uff0c\u4e09\u7a2e\u63d0\u9818\u65b9\u5f0f\u7684\u5e74\u5e95\u8cc7\u7522\u9918\u984d\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u8a66\u7b97\uff1b\u5047\u8a2d\u689d\u4ef6\u540c\u5716 1\u3002\u793a\u610f\uff0c\u975e\u6b77\u53f2\u7e3e\u6548\uff0c\u4ea6\u975e\u5c0d\u672a\u4f86\u4e4b\u9810\u6e2c\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u5716 2 \u662f\u540c\u4e00\u7d44\u8a66\u7b97\u7684\u5e74\u5e95\u8cc7\u7522\u9918\u984d\uff0c\u5dee\u5225\u5728\u9000\u4f11\u982d\u5e7e\u5e74\u5c31\u62c9\u958b\uff0c\u4f60\u5982\u679c\u64d4\u5fc3\u525b\u9000\u4f11\u5c31\u78b0\u4e0a\u7a7a\u982d\uff0c\u52d5\u614b\u63d0\u9818\u7528\u5c11\u9818\u5e7e\u5e74\u63db\u4f86\u8cc7\u7522\u7559\u4f4f\uff0c\u662f\u503c\u5f97\u8003\u616e\u7684\u53d6\u6368\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u8b77\u6b04\u6cd5\uff08Guyton-Klinger\uff09\u600e\u9ebc\u7b97\uff1fGK \u52d5\u614b\u63d0\u9818\u898f\u5247<\/h2>\n\n<p class=\"wp-block-paragraph\">\u8b77\u6b04\u6cd5\u662f\u52d5\u614b\u63d0\u9818\u88e1\u6700\u5e38\u88ab\u5f15\u7528\u7684\u4e00\u7a2e\uff0c\u7db2\u8def\u4e0a\u5e38\u5beb\u6210\u300cGK \u52d5\u614b\u63d0\u9818\u300d\uff0c\u7531\u8ca1\u52d9\u898f\u5283\u5e2b Jonathan Guyton \u8207 William Klinger \u5728 2006 \u5e74\u767c\u8868\uff0c\u7814\u7a76\u986f\u793a\u914d\u4e0a\u9019\u4e9b\u898f\u5247\uff0c\u80a1\u7968\u5360 65% \u4ee5\u4e0a\u7684\u7d44\u5408\uff0c\u8d77\u59cb\u63d0\u9818\u7387\u53ef\u4ee5\u62c9\u5230 5.2%\uff5e5.6%<sup>[4]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u898f\u5247<\/th>\n<th>\u4ec0\u9ebc\u6642\u5019\u89f8\u767c<\/th>\n<th>\u600e\u9ebc\u8abf<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u901a\u81a8\u8abf\u6574<\/td>\n<td>\u6bcf\u5e74<\/td>\n<td>\u91d1\u984d\u4f9d\u901a\u81a8\u8abf\u9ad8\uff1b\u524d\u4e00\u5e74\u5831\u916c\u70ba\u8ca0\u6642\u9019\u4e00\u5e74\u4e0d\u8abf<\/td>\n<\/tr>\n<tr>\n<td>\u4fdd\u672c\u898f\u5247\uff08\u4e0a\u8b77\u6b04\uff09<\/td>\n<td>\u7576\u5e74\u63d0\u9818\u7387\u9ad8\u65bc\u8d77\u59cb\u63d0\u9818\u7387\u7684 1.2 \u500d<\/td>\n<td>\u63d0\u9818\u91d1\u984d\u6e1b 10%<\/td>\n<\/tr>\n<tr>\n<td>\u52a0\u78bc\u898f\u5247\uff08\u4e0b\u8b77\u6b04\uff09<\/td>\n<td>\u7576\u5e74\u63d0\u9818\u7387\u4f4e\u65bc\u8d77\u59cb\u63d0\u9818\u7387\u7684 0.8 \u500d<\/td>\n<td>\u63d0\u9818\u91d1\u984d\u52a0 10%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1aGuyton \u8207 Klinger\uff082006\uff09\uff1b\u539f\u7814\u7a76\u53e6\u6709\u4fdd\u672c\u898f\u5247\u5728\u9000\u4f11\u6700\u5f8c 15 \u5e74\u4e0d\u9069\u7528\u7b49\u7d30\u7bc0\uff0c\u5404\u5bb6\u8a66\u7b97\u5de5\u5177\u7684\u7248\u672c\u7565\u6709\u4e0d\u540c\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u8d77\u59cb\u63d0\u9818\u7387 4% \u70ba\u4f8b\uff0c\u4e0a\u8b77\u6b04\u662f 4.8%\uff0c\u4e0b\u8b77\u6b04\u662f 3.2%\uff0c\u5e02\u5834\u5927\u8dcc\u4f7f\u63d0\u9818\u7387\u5347\u5230 4.8% \u4ee5\u4e0a\uff0c\u5c31\u628a\u91d1\u984d\u6e1b\u4e00\u6210\uff0c\u5e02\u5834\u5927\u6f32\u4f7f\u63d0\u9818\u7387\u964d\u5230 3.2% \u4ee5\u4e0b\uff0c\u5c31\u628a\u91d1\u984d\u52a0\u4e00\u6210\uff0c\u6bcf\u5e74\u8abf\u6574\u7684\u5e45\u5ea6\u6709\u4e0a\u9650\uff0c\u751f\u6d3b\u8cbb\u4e0d\u6703\u4e00\u6b21\u5927\u8d77\u5927\u843d\uff0c\u57f7\u884c\u524d\u5148\u7b97\u597d\u81ea\u5df1\u80fd\u63a5\u53d7\u6e1b\u4e00\u6210\u4e4b\u5f8c\u7684\u91d1\u984d\uff0c\u78ba\u8a8d\u57fa\u672c\u652f\u51fa\u9084\u5920\u7528\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565\u600e\u9ebc\u9078\uff1f<\/h2>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u4f60\u7684\u60c5\u6cc1<\/th>\n<th>\u53ef\u4ee5\u512a\u5148\u8003\u616e<\/th>\n<th>\u539f\u56e0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u52de\u4fdd\u5e74\u91d1\u3001\u52de\u9000\u6708\u9818\u5df2\u7d93\u5920\u4ed8\u57fa\u672c\u958b\u92b7<\/td>\n<td>\u56fa\u5b9a\u6bd4\u4f8b\u6216\u52d5\u614b\u63d0\u9818<\/td>\n<td>\u56fa\u5b9a\u6536\u5165\u588a\u5e95\uff0c\u6295\u8cc7\u5e33\u6236\u7684\u6536\u5165\u53ef\u4ee5\u6709\u5f48\u6027<\/td>\n<\/tr>\n<tr>\n<td>\u652f\u51fa\u56fa\u5b9a\u3001\u4e0d\u60f3\u6bcf\u5e74\u91cd\u7b97<\/td>\n<td>4% \u6cd5\u5247\u6216\u56fa\u5b9a\u91d1\u984d<\/td>\n<td>\u898f\u5247\u7c21\u55ae\uff0c\u4f46\u8981\u642d\u914d\u8f03\u4f4e\u7684\u8d77\u59cb\u63d0\u9818\u7387\u4e26\u5b9a\u671f\u6aa2\u8996<\/td>\n<\/tr>\n<tr>\n<td>\u64d4\u5fc3\u525b\u9000\u4f11\u5c31\u78b0\u4e0a\u7a7a\u982d<\/td>\n<td>\u6c34\u6876\u7b56\u7565\u6216\u8b77\u6b04\u6cd5<\/td>\n<td>\u4e0b\u8dcc\u6642\u6709\u73fe\u91d1\u53ef\u7528\uff0c\u6216\u4f9d\u898f\u5247\u5148\u5c11\u9818<\/td>\n<\/tr>\n<tr>\n<td>\u672c\u91d1\u5f88\u5927\u3001\u914d\u606f\u5c31\u5920\u751f\u6d3b<\/td>\n<td>\u53ea\u9818\u914d\u606f<\/td>\n<td>\u672c\u91d1\u4e0d\u52d5\uff0c\u4f46\u8981\u7559\u610f\u914d\u606f\u7a69\u5b9a\u5ea6\u8207\u901a\u81a8<\/td>\n<\/tr>\n<tr>\n<td>\u60f3\u591a\u9818\u3001\u4e5f\u60f3\u7559\u4e00\u7b46\u7d66\u4e0b\u4e00\u4ee3<\/td>\n<td>\u52d5\u614b\u63d0\u9818<\/td>\n<td>\u597d\u5e74\u591a\u9818\u3001\u58de\u5e74\u5c11\u9818\uff0c\u517c\u9867\u652f\u51fa\u8207\u907a\u7522<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406\uff0c\u4f9b\u4e00\u822c\u6027\u53c3\u8003\uff0c\u975e\u500b\u5225\u6295\u8cc7\u5efa\u8b70\u3002<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u9078\u63d0\u9818\u65b9\u5f0f\u4e4b\u524d\uff0c\u8981\u5148\u77e5\u9053\u81ea\u5df1\u6bcf\u5e74\u8981\u5f9e\u6295\u8cc7\u5e33\u6236\u9818\u591a\u5c11\uff0c\u4e5f\u5c31\u662f\u52de\u4fdd\u3001\u52de\u9000\u4e4b\u5916\u9084\u5dee\u591a\u5c11\uff0c\u9084\u6c92\u7b97\u904e\u7684\u8a71\uff0c\u53ef\u4ee5\u5148\u770b<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>\uff0c\u628a\u7f3a\u53e3\u7b97\u51fa\u4f86\uff0c\u518d\u56de\u982d\u5c0d\u7167\u9019\u5f35\u8868\u6311\u898f\u5247\u3002<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">\u6c92\u6709\u6700\u597d\u7684\u9000\u4f11\u63d0\u9818\u65b9\u5f0f\uff0c\u9069\u5408\u5c31\u662f\u6700\u597d<\/h2>\n\n<p class=\"wp-block-paragraph\">6 \u7a2e\u63d0\u9818\u7b56\u7565\u90fd\u6709\u512a\u7f3a\u9ede\uff0c\u6709\u4e9b\u8a08\u7b97\u7c21\u55ae\uff0c\u6709\u4e9b\u9700\u8981\u8a66\u7b97\u5de5\u5177\u8f14\u52a9\uff0c\u7c21\u55ae\u7684\u65b9\u6cd5\u901a\u5e38\u96e3\u4ee5\u56e0\u61c9\u5e02\u5834\u8b8a\u5316\uff0c\u6240\u4ee5\u6c92\u6709\u7d55\u5c0d\u597d\u7684\u65b9\u5f0f\uff0c\u4e5f\u53ef\u4ee5\u6df7\u5408\u642d\u914d\uff0c\u4f8b\u5982\u7528\u6c34\u6876\u7b56\u7565\u653e\u597d\u4e09\u5e74\u751f\u6d3b\u8cbb\uff0c\u80a1\u7968\u6876\u518d\u5957\u7528\u8b77\u6b04\u6cd5\uff0c\u4f9d\u500b\u4eba\u60c5\u6cc1\u8a02\u51fa\u81ea\u5df1\u7684\u63d0\u9818\u8a08\u756b\uff0c\u6216\u8207\u8ca1\u52d9\u9867\u554f\u4e00\u8d77\u8a0e\u8ad6\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8ad6\u63a1\u7528\u54ea\u4e00\u7a2e\uff0c\u958b\u59cb\u4e4b\u5f8c\u90fd\u8981\u5b9a\u671f\u6aa2\u8996\u3001\u7167\u898f\u5247\u57f7\u884c<\/strong>\uff0c\u624d\u80fd\u964d\u4f4e\u9000\u4f11\u5f8c\u8cc7\u7522\u8017\u76e1\u7684\u98a8\u96aa\uff0c\u6700\u5be6\u969b\u7684\u4e0b\u4e00\u6b65\uff0c\u662f\u5148\u7b97\u51fa\u6bcf\u5e74\u8981\u5f9e\u5e33\u6236\u9818\u591a\u5c11\uff0c\u518d\u62ff\u63d0\u9818\u7387\u53bb\u5c0d\u7167 4% \u8207\u6668\u661f 3.9% \u9019\u5169\u500b\u53c3\u8003\u503c\u3002<\/p>\n\n\n<div class=\"wp-block-group alpha-cta alpha-cta-end alpha-cta-retire 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\">\u9000\u4f11\u91d1\u5920\u4e0d\u5920\uff0c\u5148\u770b\u7f3a\u53e3\u6709\u591a\u5927<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u52de\u4fdd\u3001\u52de\u9000\u3001\u516c\u6559\u5e74\u91d1\u52a0\u8d77\u4f86\u80fd\u9818\u591a\u5c11\uff0c\u548c\u4f60\u60f3\u904e\u7684\u751f\u6d3b\u9084\u5dee\u591a\u5c11\uff0c\u52a0\u5165\u5b98\u65b9 LINE \u7559\u8a00\uff0c\u963f\u723e\u767c\u9867\u554f\u548c\u4f60\u4e00\u8d77\u770b<\/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=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;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\uff0c\u9867\u554f\u5e6b\u4f60\u770b\u9000\u4f11\u7f3a\u53e3<\/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:\/\/roboadvisor.com.tw\/portfolio-calculator\/?Camp=Blog\" style=\"border-radius:50px;color:#006ece;background-color:#ffffff;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=\"noreferrer noopener\"><strong>\u514d\u8cbb\u8a66\u7b97\u6295\u8cc7\u7d44\u5408<\/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\">\u52d5\u614b\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u52d5\u614b\u63d0\u9818\u662f\u4f9d\u6bcf\u5e74\u7684\u6295\u8cc7\u5831\u916c\u8207\u63d0\u9818\u7387\u8abf\u6574\u63d0\u9818\u91d1\u984d\u7684\u9000\u4f11\u63d0\u9818\u65b9\u6cd5\uff0c\u5831\u916c\u597d\u6642\u591a\u9818\u3001\u5831\u916c\u5dee\u6642\u5c11\u9818\uff0c\u4f46\u4fdd\u7559\u57fa\u672c\u751f\u6d3b\u652f\u51fa\uff0c\u5e38\u898b\u505a\u6cd5\u6709 Vanguard \u7684\u4e0a\u4e0b\u9650\u6cd5\u8207 Guyton-Klinger \u8b77\u6b04\u6cd5\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u52d5\u614b\u63d0\u9818\u7b56\u7565\u548c 4% \u6cd5\u5247\u5dee\u5728\u54ea\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">4% \u6cd5\u5247\u7b2c\u4e00\u5e74\u5b9a\u597d\u91d1\u984d\u5f8c\u53ea\u4f9d\u901a\u81a8\u8abf\u6574\uff0c\u4e0d\u7ba1\u5e02\u5834\u6f32\u8dcc\uff0c\u52d5\u614b\u63d0\u9818\u6703\u5728\u5e02\u5834\u4e0b\u8dcc\u3001\u63d0\u9818\u7387\u5347\u9ad8\u6642\u6e1b\u5c11\u63d0\u9818\uff0c\u5728\u5e02\u5834\u4e0a\u6f32\u6642\u589e\u52a0\u63d0\u9818\uff0c\u6536\u5165\u6bd4\u8f03\u4e0d\u7a69\uff0c\u4f46\u8cc7\u7522\u63d0\u65e9\u7528\u5b8c\u7684\u6a5f\u6703\u8f03\u4f4e\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u9000\u4f11\u63d0\u9818\u7387\u591a\u5c11\u624d\u5b89\u5168\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u6c92\u6709\u4e00\u500b\u5c0d\u6240\u6709\u4eba\u90fd\u5b89\u5168\u7684\u6578\u5b57\uff0c\u7f8e\u570b\u6b77\u53f2\u8cc7\u6599\u5e38\u7528 4% \u7576\u53c3\u8003\uff0c\u6668\u661f 2025 \u5e74 12 \u6708\u4f30\u8a08 30 \u5e74\u671f\u3001\u80a1\u50b5\u5e73\u8861\u7d44\u5408\u7684\u5b89\u5168\u8d77\u59cb\u63d0\u9818\u7387\u662f 3.9%<sup>[3]<\/sup>\uff0c\u9000\u4f11\u671f\u9593\u8d8a\u9577\u3001\u7d44\u5408\u8d8a\u4fdd\u5b88\uff0c\u63d0\u9818\u7387\u8981\u8d8a\u4f4e\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">GK \u52d5\u614b\u63d0\u9818\uff08\u8b77\u6b04\u6cd5\uff09\u600e\u9ebc\u8abf\u6574\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u7576\u5e74\u63d0\u9818\u7387\u9ad8\u65bc\u8d77\u59cb\u63d0\u9818\u7387\u7684 1.2 \u500d\u5c31\u6e1b\u9818 10%\uff0c\u4f4e\u65bc 0.8 \u500d\u5c31\u52a0\u9818 10%\uff0c\u524d\u4e00\u5e74\u5831\u916c\u70ba\u8ca0\u6642\u4e0d\u505a\u901a\u81a8\u8abf\u6574<sup>[4]<\/sup>\uff0c\u4ee5\u8d77\u59cb 4% \u70ba\u4f8b\uff0c\u8b77\u6b04\u5c31\u662f 4.8% \u8207 3.2%\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u56fa\u5b9a\u6bd4\u4f8b\u63d0\u9818\u548c\u56fa\u5b9a\u91d1\u984d\u63d0\u9818\u54ea\u500b\u597d\uff1f<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5169\u8005\u9069\u5408\u4e0d\u540c\u7684\u4eba\uff0c\u56fa\u5b9a\u91d1\u984d\u6536\u5165\u7a69\u5b9a\u3001\u597d\u505a\u9810\u7b97\uff0c\u4f46\u4e0b\u8dcc\u6642\u8981\u591a\u8ce3\u6301\u80a1\uff0c\u56fa\u5b9a\u6bd4\u4f8b\u8ddf\u8457\u8cc7\u7522\u8d77\u843d\u3001\u4e0d\u5bb9\u6613\u7528\u5b8c\uff0c\u4f46\u6536\u5165\u6bcf\u5e74\u4e0d\u540c\uff0c\u6709\u52de\u4fdd\u5e74\u91d1\u7b49\u56fa\u5b9a\u6536\u5165\u588a\u5e95\u7684\u4eba\u6bd4\u8f03\u80fd\u627f\u53d7\u56fa\u5b9a\u6bd4\u4f8b\u7684\u6ce2\u52d5\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5ef6\u4f38\u95b1\u8b80<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>\u9084\u4e0d\u77e5\u9053\u6bcf\u5e74\u8981\u5f9e\u5e33\u6236\u9818\u591a\u5c11\u7684\u4eba\uff0c\u5148\u770b<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><\/li>\n<li>\u60f3\u77e5\u9053 4% \u6cd5\u5247\u4f86\u6e90\u8207\u9650\u5236\u7684\u4eba\uff0c\u5148\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4712\">4% \u6cd5\u5247\uff1a\u9000\u4f11\u91d1\uff1d\u5e74\u652f\u51fa\u00d725\uff0c\u53f0\u7063\u4eba\u5148\u6263\u52de\u4fdd\u518d\u7b97<\/a><\/li>\n<li>\u60f3\u77e5\u9053\u52de\u9000\u6708\u9818\u80fd\u9818\u591a\u5c11\u7684\u4eba\uff0c\u5148\u770b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=13124\">\u52de\u9000\u65b0\u5236\u8a66\u7b97\uff1a6% \u600e\u9ebc\u7b97\u3001\u600e\u9ebc\u9818\uff1f2026 \u6708\u9818\u5c0d\u7167\u8868<\/a><\/li>\n<\/ul>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"\u52d5\u614b\u63d0\u9818\u662f\u4ec0\u9ebc\uff1f\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": 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3.9%<sup>[3]<\/sup>\uff0c\u9000\u4f11\u671f\u9593\u8d8a\u9577\u3001\u7d44\u5408\u8d8a\u4fdd\u5b88\uff0c\u63d0\u9818\u7387\u8981\u8d8a\u4f4e\u3002\"}}, {\"@type\": \"Question\", \"name\": \"GK \u52d5\u614b\u63d0\u9818\uff08\u8b77\u6b04\u6cd5\uff09\u600e\u9ebc\u8abf\u6574\uff1f\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\u7576\u5e74\u63d0\u9818\u7387\u9ad8\u65bc\u8d77\u59cb\u63d0\u9818\u7387\u7684 1.2 \u500d\u5c31\u6e1b\u9818 10%\uff0c\u4f4e\u65bc 0.8 \u500d\u5c31\u52a0\u9818 10%\uff0c\u524d\u4e00\u5e74\u5831\u916c\u70ba\u8ca0\u6642\u4e0d\u505a\u901a\u81a8\u8abf\u6574<sup>[4]<\/sup>\uff0c\u4ee5\u8d77\u59cb 4% \u70ba\u4f8b\uff0c\u8b77\u6b04\u5c31\u662f 4.8% \u8207 3.2%\u3002\"}}, {\"@type\": \"Question\", \"name\": \"\u56fa\u5b9a\u6bd4\u4f8b\u63d0\u9818\u548c\u56fa\u5b9a\u91d1\u984d\u63d0\u9818\u54ea\u500b\u597d\uff1f\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\u5169\u8005\u9069\u5408\u4e0d\u540c\u7684\u4eba\uff0c\u56fa\u5b9a\u91d1\u984d\u6536\u5165\u7a69\u5b9a\u3001\u597d\u505a\u9810\u7b97\uff0c\u4f46\u4e0b\u8dcc\u6642\u8981\u591a\u8ce3\u6301\u80a1\uff0c\u56fa\u5b9a\u6bd4\u4f8b\u8ddf\u8457\u8cc7\u7522\u8d77\u843d\u3001\u4e0d\u5bb9\u6613\u7528\u5b8c\uff0c\u4f46\u6536\u5165\u6bcf\u5e74\u4e0d\u540c\uff0c\u6709\u52de\u4fdd\u5e74\u91d1\u7b49\u56fa\u5b9a\u6536\u5165\u588a\u5e95\u7684\u4eba\u6bd4\u8f03\u80fd\u627f\u53d7\u56fa\u5b9a\u6bd4\u4f8b\u7684\u6ce2\u52d5\u3002\"}}]}<\/script>\n\n<h2 class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>[1] Bengen, W. P. (1994). Determining withdrawal rates using historical data. <em>Journal of Financial Planning, 7<\/em>(4), 171\u2013180. https:\/\/www.financialplanningassociation.org\/sites\/default\/files\/2021-04\/MAR04%20Determining%20Withdrawal%20Rates%20Using%20Historical%20Data.pdf<\/li>\n<li>[2] Cooley, P. L., Hubbard, C. M., &amp; Walz, D. T. (1999). Sustainable withdrawal rates from your retirement portfolio. <em>Financial Counseling and Planning, 10<\/em>(1), 40\u201350.<\/li>\n<li>[3] Morningstar. (2025, December). <em>What&#8217;s a safe retirement withdrawal rate for 2026?<\/em> https:\/\/www.morningstar.com\/retirement\/whats-safe-retirement-withdrawal-rate-2026<\/li>\n<li>[4] Guyton, J. T., &amp; Klinger, W. J. (2006). Decision rules and maximum initial withdrawal rates. <em>Journal of Financial Planning, 19<\/em>(3), 48\u201358. https:\/\/www.financialplanningassociation.org\/article\/journal\/MAR06-decision-rules-and-maximum-initial-withdrawal-rates<\/li>\n<li>[5] Jaconetti, C. M., Kinniry, F. M., Jr., &amp; DiJoseph, M. A. (2013). <em>A more dynamic approach to spending for investors in retirement<\/em>. Vanguard Research.<\/li>\n<li>[6] \u5167\u653f\u90e8\uff082025\u5e748\u670823\u65e5\uff09\u3002113\u5e74\u7c21\u6613\u751f\u547d\u8868\uff08\u65b0\u805e\u7a3f\uff1a\u570b\u4eba\u5e73\u5747\u58fd\u547d 80.77 \u6b72\uff09\u3002\u8f49\u5f15\u81ea\u5de5\u5546\u6642\u5831\uff082025\u5e748\u670823\u65e5\uff09\u3002https:\/\/www.ctee.com.tw\/news\/20250823700444-430101<\/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\u5f15\u7528\u4e4b\u5b78\u8853\u7814\u7a76\u4fc2\u4ee5\u7f8e\u570b\u6b77\u53f2\u6307\u6578\u5831\u916c\u8a08\u7b97\uff0c\u672a\u6263\u9664\u8cbb\u7528\u8207\u7a05\u8ca0\uff0c\u4e0d\u4ee3\u8868\u4efb\u4f55\u5be6\u969b\u5e33\u6236\u7e3e\u6548\uff1b\u63d0\u9818\u7b56\u7565\u8a66\u7b97\u8207\u5716\u8868\u70ba\u5047\u8a2d\u5831\u916c\u8def\u5f91\u4e0b\u4e4b\u793a\u610f\u7d50\u679c\uff0c\u975e\u5c0d\u672a\u4f86\u4e4b\u9810\u6e2c\u6216\u4fdd\u8b49\uff0c\u5404\u7a2e\u63d0\u9818\u65b9\u5f0f\u5747\u7121\u6cd5\u4fdd\u8b49\u9000\u4f11\u8cc7\u7522\u4e0d\u6703\u8017\u76e1\uff1b\u52de\u9000\u5be6\u969b\u91d1\u984d\u4ee5\u52de\u52d5\u90e8\u52de\u5de5\u4fdd\u96aa\u5c40\u6838\u5b9a\u70ba\u6e96\u3002\u904e\u53bb\u7e3e\u6548\u4e0d\u4ee3\u8868\u672a\u4f86\u8868\u73fe\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>\u9000\u4f11\u91d1\u63d0\u98186\u7a2e\u6bd4\u8f03\uff1a4%\u6cd5\u5247\u3001\u56fa\u5b9a\u6bd4\u4f8b\u3001\u52d5\u614b\u8b77\u6b04\u6cd5\uff08\u63d0\u9818\u7387\u8d85\u6a19\u5c31\u6e1b\u981810%\uff09\uff0c\u9644\u600e\u9ebc\u9078\u3002<\/p>\n","protected":false},"author":2,"featured_media":4802,"comment_status":"open","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":"","_llm_markdown_disabled":false},"categories":[16],"tags":[1032,1188,127,1183,1182,1189,1185,1187,1184,1186],"class_list":["post-4801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-16","tag-4-","tag-guyton-klinger","tag-127","tag-1183","tag-1182","tag-1189","tag-1185","tag-1187","tag-1184","tag-1186"],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/06\/senior-g6a62925a1_1920.jpg","_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/4801","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=4801"}],"version-history":[{"count":4,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/4801\/revisions"}],"predecessor-version":[{"id":18932,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/4801\/revisions\/18932"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/4802"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}