{"id":6735,"date":"2024-09-05T15:30:59","date_gmt":"2024-09-05T07:30:59","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=6735"},"modified":"2026-10-21T17:01:56","modified_gmt":"2026-10-21T09:01:56","slug":"%e5%85%ac%e5%8b%99%e5%93%a1%e5%b9%be%e6%ad%b2%e5%8f%af%e4%bb%a5%e9%80%80%e4%bc%91%ef%bc%9f%e9%80%80%e4%bc%91%e9%87%91%e6%9c%89%e5%a4%9a%e5%b0%91%ef%bc%9f%e5%85%ac%e5%8b%99%e5%93%a1%e6%9c%88%e9%80%80","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=6735","title":{"rendered":"\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u5e74\u9f61 2026 \u6700\u65b0\u898f\u5b9a\uff1a65 \u6b72\u6708\u9000\u689d\u4ef6\u3001\u9000\u4f11\u91d1\u600e\u9ebc\u7b97"},"content":{"rendered":"<p class=\"wp-block-paragraph\">65 \u6b72\uff0c\u662f 2026 \u5e74\uff08\u6c11\u570b 115 \u5e74\uff09\u4ee5\u5f8c\u9000\u4f11\u7684\u516c\u52d9\u4eba\u54e1\u9818\u5168\u984d\u6708\u9000\u4f11\u91d1\u7684\u8d77\u652f\u5e74\u9f61<sup>[1]<\/sup>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4e0d\u5230 65 \u6b72\u4e5f\u6709\u6a5f\u6703\u9818\u5168\u984d\u6708\u9000\uff0c\u4efb\u8077\u6eff 15 \u5e74\uff0c\u5e74\u8cc7\u52a0\u5e74\u9f61\u9054\u5230\u7576\u5e74\u7684\u6307\u6a19\u6578\uff08115 \u5e74\u70ba 90\uff09\uff0c\u800c\u4e14\u5e74\u6eff 60 \u6b72<sup>[1][2]<\/sup>\uff0c\u4f8b\u5982 60 \u6b72\u3001\u5e74\u8cc7 30 \u5e74\uff0c\u5408\u8a08 90\uff0860\uff0b30\uff1d90\uff09\uff0c115 \u5e74\u9000\u4f11\u5c31\u80fd\u76f4\u63a5\u9818\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u8b66\u5bdf\u3001\u6d88\u9632\u7b49\u5371\u52de\u8077\u52d9\u53e6\u6709\u898f\u5b9a\uff0c\u4efb\u8077\u6eff 15 \u5e74\u3001\u5e74\u6eff 55 \u6b72\u5c31\u80fd\u9818\u6708\u9000<sup>[1]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>2026 \u5e74\uff08\u6c11\u570b 115 \u5e74\uff09\u9000\u4f11<\/th>\n<th>\u4f9d\u64da<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u81ea\u9858\u9000\u4f11<\/td>\n<td>\u4efb\u8077\u6eff 5 \u5e74\u4e14 60 \u6b72\uff0c\u6216\u4efb\u8077\u6eff 25 \u5e74<\/td>\n<td>\u7b2c 17 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u5c46\u9f61\u9000\u4f11<\/td>\n<td>\u4efb\u8077\u6eff 5 \u5e74\u4e14 65 \u6b72<\/td>\n<td>\u7b2c 19 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u5168\u984d\u6708\u9000\u8d77\u652f\u5e74\u9f61<\/td>\n<td>65 \u6b72\uff08\u5e74\u8cc7\u9808\u6eff 15 \u5e74\uff09<\/td>\n<td>\u7b2c 31 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u6307\u6a19\u6578<\/td>\n<td>90\uff0c\u4e14\u9808\u5e74\u6eff 60 \u6b72<\/td>\n<td>\u7b2c 31 \u689d\u3001\u9644\u8868\u4e8c<\/td>\n<\/tr>\n<tr>\n<td>\u6e1b\u984d\u6708\u9000<\/td>\n<td>\u6700\u65e9\u63d0\u524d 5 \u5e74\uff0c\u6bcf\u5e74\u5c11 4%\uff0c\u6700\u591a\u5c11 20%<\/td>\n<td>\u7b2c 31 \u689d<\/td>\n<\/tr>\n<tr>\n<td>\u5371\u52de\u8077\u52d9\uff08\u5982\u8b66\u5bdf\uff09<\/td>\n<td>\u6eff 15 \u5e74\u4e14 55 \u6b72\u53ef\u9818\u6708\u9000<\/td>\n<td>\u7b2c 33 \u689d<\/td>\n<\/tr>\n<tr>\n<td>30 \u5e74\u8cc7\u66ff\u4ee3\u7387\u4e0a\u9650<\/td>\n<td>61.5%<\/td>\n<td>\u7b2c 38 \u689d\u3001\u9644\u8868\u4e09<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u300a\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u8cc7\u9063\u64ab\u5379\u6cd5\u300b\uff08\u4ee5\u4e0b\u7c21\u7a31\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\uff09\uff0c2025 \u5e74 12 \u6708 26 \u65e5\u4fee\u6b63<sup>[1][2][3]<\/sup><\/p>\n\n<p class=\"wp-block-paragraph\">\u6c11\u570b 84 \u5e74 7 \u6708 1 \u65e5\u8d77\uff0c\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6539\u70ba\u653f\u5e9c\u8207\u516c\u52d9\u4eba\u54e1\u5171\u540c\u63d0\u64a5\uff0c\u6210\u7acb\u9000\u64ab\u57fa\u91d1\uff0c\u5e74\u91d1\u6539\u9769\u5f8c\uff0c\u6708\u9000\u4f11\u91d1\u8d77\u652f\u5e74\u9f61\u5f9e 60 \u6b72\u9010\u5e74\u5ef6\u5230 65 \u6b72\uff0c\u4e2d\u9593\u7528\u300c\u6307\u6a19\u6578\u300d\u505a\u904e\u6e21\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u80fd\u4e0d\u80fd\u9000\u4f11\u3001\u5e7e\u6b72\u9818\u6708\u9000\u3001\u80fd\u9818\u591a\u5c11\uff0c\u662f\u4e09\u500b\u8981\u5206\u958b\u770b\u7684\u689d\u4ef6\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7528\u964d\u843d\u4f86\u6bd4\u55bb\uff0c\u80fd\u4e0d\u80fd\u9000\u4f11\u662f\u62ff\u5230\u964d\u843d\u8a31\u53ef\uff0c\u5e7e\u6b72\u9818\u6708\u9000\u662f\u8dd1\u9053\u4ec0\u9ebc\u6642\u5019\u958b\u653e\uff0c\u80fd\u9818\u591a\u5c11\u662f\u6cb9\u7bb1\u88e1\u9084\u5269\u591a\u5c11\u6cb9\uff0c\u4e09\u4ef6\u4e8b\u5404\u7ba1\u5404\u7684\uff0c\u62ff\u5230\u8a31\u53ef\u4e0d\u4ee3\u8868\u8dd1\u9053\u5df2\u7d93\u958b\u4e86\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u53ef\u4ee5\u600e\u9ebc\u9000\u4f11\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6839\u64da<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=S0080034\" target=\"_blank\" rel=\"noopener\">\u300a\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u8cc7\u9063\u64ab\u5379\u6cd5\u300b<\/a>\uff0c\u516c\u52d9\u54e1\u6709 3 \u7a2e\u9000\u4f11\u65b9\u5f0f<sup>[1]<\/sup>\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9000\u4f11\u7a2e\u985e<\/th>\n<th>\u689d\u4ef6<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u81ea\u9858\u9000\u4f11<\/td>\n<td>\u4efb\u8077\u6eff 5 \u5e74\u4e14\u5e74\u6eff 60 \u6b72\uff0c\u6216\u4efb\u8077\u6eff 25 \u5e74\uff08\u4e0d\u9650\u5e74\u9f61\uff09\uff1b\u5371\u52de\u8077\u52d9\u53ef\u964d\u4f4e\uff0c\u4f46\u4e0d\u5f97\u4f4e\u65bc 50 \u6b72\uff1b\u539f\u4f4f\u6c11 55 \u6b72\u8d77\u9010\u6b65\u63d0\u9ad8\u5230 60 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>\u5c46\u9f61\u9000\u4f11<\/td>\n<td>\u4efb\u8077\u6eff 5 \u5e74\u4e14\u5e74\u6eff 65 \u6b72\uff1b\u5371\u52de\u8077\u52d9\u53ef\u964d\u4f4e\uff0c\u4f46\u4e0d\u5f97\u4f4e\u65bc 55 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>\u547d\u4ee4\u9000\u4f11<\/td>\n<td>\u4efb\u8077\u6eff 5 \u5e74\uff0c\u53d7\u76e3\u8b77\u6216\u8f14\u52a9\u5ba3\u544a\u3001\u6216\u8eab\u5fc3\u50b7\u75c5\u7121\u6cd5\u4efb\u8077\uff0c\u7531\u6a5f\u95dc\u4e3b\u52d5\u7533\u8fa6<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u6700\u5e38\u898b\u7684\u662f\u81ea\u9858\u9000\u4f11\uff0c\u5371\u52de\u8077\u52d9\u4f8b\u5982\u8b66\u5bdf\uff0c\u8b66\u54e1\u3001\u5de1\u4f50\u3001\u5c0f\u968a\u9577\u6700\u65e9 50 \u6b72\u53ef\u4ee5\u7533\u8acb\u81ea\u9858\u9000\u4f11\uff0c\u5de1\u5b98\u3001\u5075\u67e5\u54e1\u3001\u8b66\u52d9\u54e1\u3001\u5206\u968a\u9577\u3001\u526f\u968a\u9577\u3001\u968a\u9577\u6700\u65e9 55 \u6b72\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u5e7e\u6b72\u53ef\u4ee5\u9818\u6708\u9000\u4f11\u91d1\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\u9000\u4f11\uff0c\u4e0d\u7b49\u65bc\u53ef\u4ee5\u9818\u6708\u9000\uff08\u6709\u4e86\u964d\u843d\u8a31\u53ef\uff0c\u8dd1\u9053\u4e0d\u4e00\u5b9a\u958b\u653e\uff09\uff0c\u4f9d\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 31 \u689d\uff0c\u4efb\u8077\u6eff 15 \u5e74\u3001\u4f9d\u81ea\u9858\u9000\u4f11\u689d\u4ef6\u9000\u4f11\u8005\uff0c\u6708\u9000\u4f11\u91d1\u8d77\u652f\u5e74\u9f61\u662f<sup>[1]<\/sup>\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9000\u4f11\u5e74\u5ea6\uff08\u6c11\u570b\uff09<\/th>\n<th>\u5168\u984d\u6708\u9000\u8d77\u652f\u5e74\u9f61<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>109 \u5e74\u4ee5\u524d<\/td>\n<td>60 \u6b72\uff08\u6216\u5e74\u8cc7 30 \u5e74\u4e14 55 \u6b72\uff09<\/td>\n<\/tr>\n<tr>\n<td>110 \u5e74<\/td>\n<td>60 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>111 \u5e74<\/td>\n<td>61 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>112 \u5e74<\/td>\n<td>62 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>113 \u5e74<\/td>\n<td>63 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>114 \u5e74<\/td>\n<td>64 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>115 \u5e74\u4ee5\u5f8c<\/td>\n<td>65 \u6b72<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u5e74\u8cc7\u672a\u6eff 15 \u5e74\uff0c\u53ea\u80fd\u9818\u4e00\u6b21\u9000\u4f11\u91d1<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\/6735_\u6708\u9000\u8d77\u652f\u5e74\u9f61.png\" alt=\"\u9577\u689d\u5716\uff1a\u4efb\u8077\u6eff 15 \u5e74\u81ea\u9858\u9000\u4f11\u8005\u7684\u5168\u984d\u6708\u9000\u8d77\u652f\u5e74\u9f61\uff0c\u6c11\u570b 110 \u5e74 60 \u6b72\u3001111 \u5e74 61 \u6b72\u3001112 \u5e74 62 \u6b72\u3001113 \u5e74 63 \u6b72\u3001114 \u5e74 64 \u6b72\u3001115 \u5e74\u4ee5\u5f8c 65 \u6b72\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 31 \u689d<sup>[1]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<h2 class=\"wp-block-heading\">\u6307\u6a19\u6578\u662f\u4ec0\u9ebc\uff1f\u5404\u5e74\u5ea6\u6307\u6a19\u6578\u8868<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6307\u6a19\u6578\u662f\u300c\u5e74\u8cc7\uff0b\u5e74\u9f61\u300d\u7684\u9580\u6abb\uff0c\u4e0d\u5230\u8d77\u652f\u5e74\u9f61\uff0c\u4f46\u5e74\u8cc7\u52a0\u5e74\u9f61\u5927\u65bc\u6216\u7b49\u65bc\u9000\u4f11\u7576\u5e74\u7684\u6307\u6a19\u6578\uff0c\u53c8\u9054\u5230\u6700\u4f4e\u5e74\u9f61\uff0c\u5c31\u80fd\u9818\u5168\u984d\u6708\u9000<sup>[1][2]<\/sup>\uff0c\u4fd7\u7a31\u300c85 \u5236\u300d\u300c90 \u5236\u300d\u6307\u7684\u5c31\u662f\u9019\u500b\u5408\u8a08\u6578\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9000\u4f11\u5e74\u5ea6\uff08\u6c11\u570b\uff09<\/th>\n<th>\u6307\u6a19\u6578<\/th>\n<th>\u6700\u4f4e\u5e74\u9f61<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>107 \u5e74<\/td>\n<td>82<\/td>\n<td>50 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>108 \u5e74<\/td>\n<td>83<\/td>\n<td>50 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>109 \u5e74<\/td>\n<td>84<\/td>\n<td>50 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>110 \u5e74<\/td>\n<td>85<\/td>\n<td>55 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>111 \u5e74<\/td>\n<td>86<\/td>\n<td>55 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>112 \u5e74<\/td>\n<td>87<\/td>\n<td>55 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>113 \u5e74<\/td>\n<td>88<\/td>\n<td>55 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>114 \u5e74<\/td>\n<td>89<\/td>\n<td>55 \u6b72<\/td>\n<\/tr>\n<tr>\n<td><strong>115 \u5e74\uff082026\uff09<\/strong><\/td>\n<td>90<\/td>\n<td>60 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>116 \u5e74<\/td>\n<td>91<\/td>\n<td>60 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>117 \u5e74<\/td>\n<td>92<\/td>\n<td>60 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>118 \u5e74<\/td>\n<td>93<\/td>\n<td>60 \u6b72<\/td>\n<\/tr>\n<tr>\n<td>119 \u5e74<\/td>\n<td>94<\/td>\n<td>60 \u6b72<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 31 \u689d\u7b2c 6 \u9805\u7b2c 2 \u6b3e\u9644\u8868\u4e8c<sup>[2]<\/sup>\uff1b\u5e74\u8cc7\u8207\u5e74\u9f61\u90fd\u4ee5\u6574\u6578\u8a08\uff0c\u672a\u6eff 1 \u5e74\u7684\u96f6\u982d\u4e0d\u7b97\uff0c\u9644\u8868\u4e8c\u5217\u5230\u6c11\u570b 119 \u5e74<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/6735_\u6307\u6a19\u6578\u9010\u5e74.png\" alt=\"\u6298\u7dda\u5716\uff1a\u6307\u6a19\u6578\u5f9e\u6c11\u570b 107 \u5e74 82 \u9010\u5e74\u52a0 1\uff0c115 \u5e74\u70ba 90\u3001119 \u5e74\u70ba 94\uff1b\u6700\u4f4e\u5e74\u9f61 107 \u81f3 109 \u5e74 50 \u6b72\u3001110 \u81f3 114 \u5e74 55 \u6b72\u3001115 \u5e74\u8d77 60 \u6b72\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 31 \u689d\u9644\u8868\u4e8c<sup>[2]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<h3 class=\"wp-block-heading\">\u81ea\u5df1\u7b97\u4e00\u6b21\uff1a\u4e09\u500b\u4f8b\u5b50<\/h3>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u60c5\u5883\uff08115 \u5e74\u9000\u4f11\uff09<\/th>\n<th>\u5e74\u9f61\uff0b\u5e74\u8cc7<\/th>\n<th>\u7d50\u679c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>60 \u6b72\u3001\u5e74\u8cc7 30 \u5e74<\/td>\n<td>90<\/td>\n<td>\u9054\u5230\u6307\u6a19\u6578\uff0c\u9000\u4f11\u5373\u9818\u5168\u984d\u6708\u9000<\/td>\n<\/tr>\n<tr>\n<td>58 \u6b72\u3001\u5e74\u8cc7 32 \u5e74<\/td>\n<td>90<\/td>\n<td>\u5408\u8a08\u9054\u5230\uff0c\u4f46\u672a\u6eff 60 \u6b72\uff0c\u4e0d\u9069\u7528\u6307\u6a19\u6578\uff1b\u53ef\u9078\u4e00\u6b21\u9000\u300165 \u6b72\u5c55\u671f\u5168\u984d\uff0c\u6216 60 \u6b72\u8d77\u6e1b\u984d<\/td>\n<\/tr>\n<tr>\n<td>62 \u6b72\u3001\u5e74\u8cc7 25 \u5e74<\/td>\n<td>87<\/td>\n<td>\u672a\u9054\uff1b\u53ef 65 \u6b72\u8d77\u9818\u5168\u984d\uff0c\u6216 62 \u6b72\u8d77\u6e1b\u984d 12%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u9019\u4e09\u500b\u4f8b\u5b50\u662f\u4f9d\u689d\u6587\u63a8\u7b97\u7684\u60c5\u5883\uff08\u7b2c\u4e09\u4f8b 65 \u2212 62\uff1d3 \u5e74\uff0c3 \u00d7 4%\uff1d12%\uff09\uff0c\u5be6\u969b\u4ee5\u670d\u52d9\u6a5f\u95dc\u4eba\u4e8b\u55ae\u4f4d\u8207\u9293\u6558\u90e8\u5be9\u5b9a\u70ba\u6e96\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u53ef\u4ee5\u9000\u4f11\uff0c\u4f46\u9084\u4e0d\u80fd\u9818\u6708\u9000\u600e\u9ebc\u8fa6\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u8dd1\u9053\u9084\u6c92\u958b\uff0c\u98db\u6a5f\u4e5f\u4e0d\u662f\u53ea\u80fd\u5728\u7a7a\u4e2d\u76e4\u65cb\uff0c\u4f9d\u7b2c 31 \u689d\u7b2c 4 \u9805\uff0c\u53ef\u4ee5\u5f9e 5 \u7a2e\u65b9\u5f0f\u64c7\u4e00<sup>[1]<\/sup>\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u4e00\u6b21\u9000\u4f11\u91d1<\/li>\n<li>\u5c55\u671f\u6708\u9000\uff1a\u5148\u9000\u4f11\uff0c\u5230\u8d77\u652f\u5e74\u9f61\u518d\u9818\u5168\u984d\uff0c\u91d1\u984d\u4e0d\u6253\u6298\uff0c\u4f46\u4e2d\u9593\u8981\u81ea\u5df1\u652f\u61c9\u751f\u6d3b<\/li>\n<li>\u6e1b\u984d\u6708\u9000\uff1a\u63d0\u524d\u9818\uff0c\u6bcf\u63d0\u524d 1 \u5e74\u5c11 4%\uff0c\u6700\u591a\u63d0\u524d 5 \u5e74\u3001\u5c11 20%\uff0c\u800c\u4e14\u7d42\u8eab\u6e1b\u984d<\/li>\n<li>\u4e00\u534a\u4e00\u6b21\u9000\uff0b\u4e00\u534a\u5c55\u671f\u6708\u9000<\/li>\n<li>\u4e00\u534a\u4e00\u6b21\u9000\uff0b\u4e00\u534a\u6e1b\u984d\u6708\u9000<\/li>\n<\/ol>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/6735_\u6708\u9000\u5224\u65b7\u6d41\u7a0b.png\" alt=\"\u6d41\u7a0b\u5716\uff1a\u5df2\u7b26\u5408\u9000\u4f11\u689d\u4ef6\u5f8c\uff0c\u5148\u770b\u662f\u5426\u4efb\u8077\u6eff 15 \u5e74\uff0c\u672a\u6eff\u53ea\u80fd\u9818\u4e00\u6b21\u9000\u4f11\u91d1\uff1b\u6eff 15 \u5e74\u4e14\u5230\u8d77\u652f\u5e74\u9f61 65 \u6b72\uff0c\u6216\u5e74\u9f61\u52a0\u5e74\u8cc7\u9054\u6307\u6a19\u6578 90 \u4e14\u6eff 60 \u6b72\uff0c\u53ef\u9818\u5168\u984d\u6708\u9000\uff1b\u90fd\u4e0d\u7b26\u5408\u5247\u5728\u4e00\u6b21\u9000\u3001\u5c55\u671f\u3001\u6e1b\u984d\u53ca\u5169\u7a2e\u5404\u534a\u7d44\u5408\u4e2d\u4e94\u9078\u4e00\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 31 \u689d\u53ca\u9644\u8868\u4e8c<sup>[1][2]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\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\">\u516c\u52d9\u54e1\u9000\u4f11\u91d1\u6709\u591a\u5c11\uff1f\u600e\u9ebc\u7b97\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u91d1\u5206\u4e00\u6b21\u9000\u4f11\u91d1\u3001\u6708\u9000\u4f11\u91d1\u3001\u517c\u9818\uff08\u5404 1\/2\uff09\u4e09\u7a2e<sup>[1]<\/sup>\uff0c\u9000\u64ab\u65b0\u5236\uff0884 \u5e74 7 \u6708\u4ee5\u5f8c\uff09\u5e74\u8cc7\u7684\u7b97\u6cd5\uff1a<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u9818\u6cd5<\/th>\n<th>\u6bcf\u5e74\u8cc7 1 \u5e74<\/th>\n<th>\u4e0a\u9650<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4e00\u6b21\u9000\u4f11\u91d1<\/td>\n<td>1.5 \u500b\u57fa\u6578<\/td>\n<td>35 \u5e74\u7d66 53 \u500b\u57fa\u6578\uff1b\u7b2c 36 \u5e74\u8d77\u6bcf\u5e74\u52a0 1 \u500b\uff0c\u6700\u9ad8 60 \u500b\u57fa\u6578<\/td>\n<\/tr>\n<tr>\n<td>\u6708\u9000\u4f11\u91d1<\/td>\n<td>\u57fa\u6578\u5167\u6db5\u7684 2%<\/td>\n<td>35 \u5e74 70%\uff1b\u7b2c 36 \u5e74\u8d77\u6bcf\u5e74\u52a0 1%\uff0c\u6700\u9ad8 75%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u57fa\u6578\u5167\u6db5\u662f\u300c\u5e73\u5747\u672c\uff08\u5e74\u529f\uff09\u4ff8 \u00d7 2\u300d\uff0c\u5e73\u5747\u4ff8\u984d\u7684\u5e74\u6578\u4f9d\u9000\u4f11\u5e74\u5ea6\u9010\u5e74\u62c9\u9577<sup>[1]<\/sup>\uff0c\u6bcf\u6708\u9818\u6708\u9000\u7684\u4eba\uff0c\u5be6\u969b\u62ff\u5230\u7684\u662f\uff1a<\/p>\n\n<p class=\"wp-block-paragraph\">\u516c\u52d9\u54e1\u6708\u9000 \uff1d \u9000\u64ab\u6708\u9000 \uff0b\uff08\u6708\u88dc\u511f\u91d1\uff09\uff0b \u516c\u4fdd\u512a\u5b58\u5229\u606f \uff0b\uff08\u793e\u6703\u4fdd\u96aa\u5e74\u91d1\uff09<\/p>\n\n<h3 class=\"wp-block-heading\">\u66ff\u4ee3\u7387\u4e0a\u9650\uff1a2025 \u5e74\u5e95\u4fee\u6cd5\u5f8c\u4e0d\u518d\u4e0b\u964d<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u6539\u9769\u8a2d\u4e86\u6bcf\u6708\u9000\u4f11\u6240\u5f97\u7684\u4e0a\u9650\uff0c\u300c\u5e73\u5747\u672c\u4ff8 \u00d7 2 \u00d7 \u66ff\u4ee3\u7387\u4e0a\u9650\u300d\uff0c\u539f\u672c\u9644\u8868\u4e09\u7684\u4e0a\u9650\u6bcf\u5e74\u8abf\u964d 1.5 \u500b\u767e\u5206\u9ede\u3001\u5230\u6c11\u570b 118 \u5e74\u70ba\u6b62\uff0c\u4e0d\u904e\u6c11\u570b 114 \u5e74 12 \u6708\u4fee\u6b63\u5f8c\uff0c\u7b2c 37\u300138 \u689d\u6539\u70ba\u4e00\u5f8b\u9069\u7528\u6c11\u570b 112 \u5e74\u7684\u4e0a\u9650\uff0c113 \u5e74\u4ee5\u5f8c\u9010\u5e74\u4e0b\u964d\u7684\u90e8\u5206\u4e0d\u518d\u9069\u7528<sup>[1][3]<\/sup>\u3002<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>\u5e74\u8cc7<\/th>\n<th>\u66ff\u4ee3\u7387\u4e0a\u9650\uff08\u4f9d 112 \u5e74\u5ea6\uff09<\/th>\n<th>\u4fee\u6cd5\u524d\u539f\u8a02 118 \u5e74\u4ee5\u5f8c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>15 \u5e74<\/td>\n<td>39.0%<\/td>\n<td>30.0%<\/td>\n<\/tr>\n<tr>\n<td>20 \u5e74<\/td>\n<td>46.5%<\/td>\n<td>37.5%<\/td>\n<\/tr>\n<tr>\n<td>25 \u5e74<\/td>\n<td>54.0%<\/td>\n<td>45.0%<\/td>\n<\/tr>\n<tr>\n<td>30 \u5e74<\/td>\n<td>61.5%<\/td>\n<td>52.5%<\/td>\n<\/tr>\n<tr>\n<td>35 \u5e74<\/td>\n<td>69.0%<\/td>\n<td>60.0%<\/td>\n<\/tr>\n<tr>\n<td>40 \u5e74<\/td>\n<td>71.5%<\/td>\n<td>62.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 37\u300138 \u689d\u53ca\u9644\u8868\u4e09<sup>[1][3]<\/sup>\uff0c\u7bc0\u9304\uff1b\u4f9d 2026 \u5e74 10 \u6708\u5168\u570b\u6cd5\u898f\u8cc7\u6599\u5eab\u6240\u8f09\u73fe\u884c\u689d\u6587\u6574\u7406<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2026\/10\/6735_\u66ff\u4ee3\u7387\u4e0a\u9650.png\" alt=\"\u9577\u689d\u5716\uff1a\u4f9d\u5e74\u8cc7\u6bd4\u8f03\u66ff\u4ee3\u7387\u4e0a\u9650\uff0c\u73fe\u884c\u4e00\u5f8b\u4f9d 112 \u5e74\u5ea6\uff1a15 \u5e74 39.0%\u300120 \u5e74 46.5%\u300125 \u5e74 54.0%\u300130 \u5e74 61.5%\u300135 \u5e74 69.0%\u300140 \u5e74 71.5%\uff1b\u4fee\u6cd5\u524d\u539f\u8a02 118 \u5e74\u4ee5\u5f8c\u5404\u4f4e 9 \u500b\u767e\u5206\u9ede\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 37\u300138 \u689d\u53ca\u9644\u8868\u4e09<sup>[1][3]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<h3 class=\"wp-block-heading\">\u8a66\u7b97\uff1a\u5e74\u8cc7 30 \u5e74\u3001\u5e73\u5747\u672c\u4ff8 5 \u842c\u5143<\/h3>\n\n<p class=\"wp-block-paragraph\">\u5047\u8a2d 115 \u5e74\u9000\u4f11\u3001\u5e74\u8cc7 30 \u5e74\uff0c\u5e73\u5747\u672c\u4ff8 5 \u842c\u5143\uff08\u5047\u8a2d\u503c\uff09\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u57fa\u6578\u5167\u6db5\uff1a5 \u842c \u00d7 2 \uff1d 10 \u842c\u5143<\/li>\n<li>\u6708\u9000\u4f11\u91d1\uff1a10 \u842c \u00d7 2% \u00d7 30 \uff1d 6 \u842c\u5143<\/li>\n<li>\u66ff\u4ee3\u7387\u4e0a\u9650\uff1a10 \u842c \u00d7 61.5% \uff1d 6.15 \u842c\u5143\uff1b\u6708\u9000\u52a0\u516c\u4fdd\u76f8\u95dc\u7d66\u4ed8\u8d85\u904e\u9019\u500b\u6578\u5b57\u7684\u90e8\u5206\u6703\u88ab\u6263\u6e1b<\/li>\n<li>\u82e5\u6539\u9818\u4e00\u6b21\u9000\u4f11\u91d1\uff1a10 \u842c \u00d7 1.5 \u00d7 30 \uff1d 450 \u842c\u5143<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u9019\u662f\u4f9d\u689d\u6587\u7684\u7c21\u5316\u8a66\u7b97\uff0c\u6c92\u6709\u8a08\u5165\u9000\u64ab\u820a\u5236\u5e74\u8cc7\u8207\u516c\u4fdd\u7d30\u7bc0\uff0c\u8981\u7b97\u81ea\u5df1\u7684\u6578\u5b57\uff0c\u7528\u9293\u6558\u90e8\u7684<a href=\"https:\/\/iocs.mocs.gov.tw\" target=\"_blank\" rel=\"noopener\">\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u6240\u5f97\u8a66\u7b97<\/a>\uff0c\u6216\u8acb\u4eba\u4e8b\u55ae\u4f4d\u5354\u52a9\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u7b97\u51fa\u6708\u9000\u548c\u66ff\u4ee3\u7387\u4e0a\u9650\uff0c\u518d\u548c\u9000\u4f11\u524d\u6bcf\u6708\u7684\u958b\u92b7\u6bd4\uff0c\u5dee\u7684\u90e8\u5206\u8981\u81ea\u5df1\u6e96\u5099\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4614\">\u9000\u4f11\u898f\u5283\u5148\u7b97\u7f3a\u53e3<\/a>\u6709 40\u300150 \u6b72\u9000\u4f11\u7684\u8a66\u7b97\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u8b66\u5bdf\u9000\u4f11\u91d1\u53ef\u4ee5\u9818\u591a\u4e45\uff1f\u5371\u52de\u8077\u52d9\u5e7e\u6b72\u80fd\u9818\u6708\u9000\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5371\u52de\u8077\u52d9\u662f\u64d4\u4efb\u5177\u6709\u5371\u96aa\u53ca\u52de\u529b\u7b49\u7279\u6b8a\u6027\u8cea\u8077\u52d9\u7684\u516c\u52d9\u54e1\uff0c\u4f8b\u5982\u8b66\u5bdf\u3001\u6d88\u9632\u3001\u6d77\u5de1\u3001\u7a7a\u52e4\u98db\u822a\u3001\u77ef\u6b63\u6a5f\u95dc\u7ba1\u7406\u4eba\u54e1\uff0c\u7bc4\u570d\u7531\u5404\u6b0a\u8cac\u6a5f\u95dc\u64ec\u8b70\u3001\u9001\u9293\u6558\u90e8\u6838\u5099\u4e26\u516c\u544a<sup>[1]<\/sup>\u3002<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u9858\u9000\u4f11\u5e74\u9f61\uff1a\u53ef\u4ee5\u4f4e\u65bc 60 \u6b72\uff0c\u4f46\u4e0d\u5f97\u4f4e\u65bc 50 \u6b72<sup>[1]<\/sup><\/li>\n<li>\u6708\u9000\u4f11\u91d1\uff1a\u4efb\u8077\u6eff 15 \u5e74\u4e14\u5e74\u6eff 55 \u6b72\uff0c\u53ef\u4ee5\u64c7\u9818\u6708\u9000\uff0c\u4e5f\u5c31\u662f\u4fd7\u7a31\u7684\u300c70 \u5236\u300d\uff0815\uff0b55\uff09\uff1b\u6eff 15 \u5e74\u4f46\u672a\u6eff 55 \u6b72\uff0c\u53ef\u4ee5\u9078\u5c55\u671f\u6216\u6e1b\u984d\u6708\u9000\uff1b\u672a\u6eff 15 \u5e74\u53ea\u80fd\u9818\u4e00\u6b21\u9000\u4f11\u91d1<sup>[1]<\/sup><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u6708\u9000\u4f11\u91d1\u662f\u6309\u6708\u767c\u7d66\uff0c\u9818\u5230\u904e\u4e16\u70ba\u6b62\uff0c\u6c92\u6709\u9818\u53d6\u5e74\u9650\uff0c\u652f\u9818\u6708\u9000\u7684\u4eba\u904e\u4e16\u5f8c\uff0c\u907a\u65cf\u53ef\u4ee5\u4f9d\u898f\u5b9a\u9818\u907a\u5c6c\u4e00\u6b21\u91d1\uff0c\u5148\u4ee5\u4e00\u6b21\u9000\u4f11\u91d1\u6263\u6389\u5df2\u9818\u7684\u6708\u9000\u5f8c\u8a08\u7b97\u9918\u984d\uff0c\u53e6\u52a0\u767c 6 \u500b\u6708\u7684\u4ff8\u984d<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\/6735_\u4e00\u822c\u8207\u5371\u52de\u5e74\u9f61\u6bd4\u8f03.png\" alt=\"\u5e74\u9f61\u8ef8\u6bd4\u8f03\u5716\uff1a\u4e00\u822c\u516c\u52d9\u54e1 60 \u6b72\u53ef\u81ea\u9858\u9000\u4f11\u3001\u6307\u6a19\u6578 90 \u53ef\u63d0\u524d\u9818\u5168\u984d\u6708\u9000\uff0c65 \u6b72\u8d77\u9818\u5168\u984d\u6708\u9000\uff1b\u5371\u52de\u8077\u52d9\u5982\u8b66\u5bdf\u3001\u6d88\u9632\u6700\u4f4e 50 \u6b72\u53ef\u81ea\u9858\u9000\u4f11\uff0c\u6eff 15 \u5e74\u4e14 55 \u6b72\u5373\u53ef\u9818\u6708\u9000\uff0c\u6bd4\u4e00\u822c\u516c\u52d9\u54e1\u65e9 10 \u5e74\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6599\u4f86\u6e90\uff1a\u516c\u52d9\u4eba\u54e1\u9000\u64ab\u6cd5\u7b2c 17\u300131\u300133 \u689d<sup>[1]<\/sup>\uff1b\u963f\u723e\u767c\u6295\u8cc7\u7814\u7a76\u5718\u968a\u6574\u7406<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u7d42\u8eab\u4ff8\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u300c\u7d42\u8eab\u4ff8\u300d\u662f\u4e00\u822c\u4eba\u5c0d\u6708\u9000\u4f11\u91d1\u7684\u8aaa\u6cd5\uff0c\u6bcf\u6708\u767c\u7d66\u3001\u9818\u5230\u904e\u4e16\u70ba\u6b62\uff0c\u6cd5\u898f\u4e0a\u6c92\u6709\u9019\u500b\u540d\u7a31\uff0c\u6b63\u5f0f\u540d\u7a31\u662f\u6708\u9000\u4f11\u91d1<sup>[1]<\/sup>\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u5728\u8a08\u7b97\u9000\u4f11\u91d1\u6642\uff0c\u8981\u6ce8\u610f\u4ec0\u9ebc\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u898f\u5283\u5e38\u770b\u300c\u6240\u5f97\u66ff\u4ee3\u7387\u300d\uff08replacement rate\uff09\uff0c\u4e5f\u5c31\u662f\u9000\u4f11\u5f8c\u6bcf\u6708\u6536\u5165\u5360\u9000\u4f11\u524d\u6536\u5165\u7684\u6bd4\u4f8b\uff0c\u6839\u64da OECD \u7684\u8a08\u7b97\u63a8\u4f30\uff0c\u5404\u570b\u8f03\u4f4e\u6240\u5f97\u8005\u7684\u5e74\u91d1\u5e73\u5747\u6bdb\u6240\u5f97\u66ff\u4ee3\u7387\u70ba 71\uff05\uff0c\u8f03\u9ad8\u6240\u5f97\u8005\u5247\u964d\u70ba 48.4\uff05\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u4ee5\u5e74\u8cc7 30 \u5e74\u70ba\u4f8b\uff0c\u516c\u52d9\u54e1\u9000\u4f11\u6240\u5f97\u7684\u66ff\u4ee3\u7387\u4e0a\u9650\u662f 61.5%\uff0c\u6bd4 2018 \u5e74\u5e74\u6539\u4e0a\u8def\u6642\u7684 67.5% \u4f4e<sup>[3]<\/sup>\uff0c\u55ae\u9760\u653f\u5e9c\u7684\u9000\u4f11\u91d1\u53ef\u4ee5\u7dad\u6301\u57fa\u672c\u751f\u6d3b\uff0c\u4e0d\u904e\u60f3\u8981\u66f4\u65e9\u9000\u4f11\uff0c\u6216\u7dad\u6301\u9000\u4f11\u524d\u7684\u751f\u6d3b\u6c34\u6e96\uff0c\u5c31\u9700\u8981\u81ea\u5df1\u518d\u6e96\u5099\u4e00\u6bb5\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/roboadvisor.com.tw\/ChooseLogin.html?Camp=Blog\"><strong>\u958b\u59cb\u898f\u5283\u9000\u4f11\u91d1\u653e\u5927\u8cc7\u7522<\/strong>\uff01<\/a><\/p>\n\n<h2 class=\"wp-block-heading\">\u516c\u52d9\u54e1\u5982\u4f55\u59a5\u5584\u7406\u8ca1\u589e\u52a0\u9000\u4f11\u91d1\uff1f<\/h2>\n\n<p class=\"wp-block-paragraph\">\u5c31\u9000\u4f11\u6e96\u5099\u4f86\u8aaa\uff0c\u516c\u52d9\u54e1\u6709\u7a69\u5b9a\u7684\u85aa\u8cc7\u8207\u5236\u5ea6\u5167\u7684\u6708\u9000\uff0c\u8d77\u9ede\u6bd4\u591a\u6578\u52de\u5de5\u597d\uff0c\u6bd4\u8f03\u64d4\u5fc3\u7684\uff0c\u662f\u5e74\u91d1\u6539\u9769\u5e36\u4f86\u7684\u4e0d\u78ba\u5b9a\uff0c\u9000\u4f11\u5e74\u9f61\u6703\u4e0d\u6703\u518d\u5ef6\u5f8c\u3001\u9000\u4f11\u91d1\u6703\u4e0d\u6703\u518d\u6e1b\u5c11\uff082018 \u5e74\u5e74\u6539\u4e0a\u8def\u5f8c\uff0c\u9019\u5169\u4ef6\u4e8b\u90fd\u767c\u751f\u904e\uff09\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u591a\u5b58\u4e00\u7b46\u3001\u9577\u671f\u6295\u8cc7\uff0c\u80fd\u88dc\u4e0a\u5236\u5ea6\u4ee5\u5916\u7684\u90e8\u5206\uff0c\u4f8b\u5982\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>40 \u6b72\u7684\u516c\u52d9\u54e1\uff0c\u6bcf\u500b\u6708\u900f\u904e<a href=\"https:\/\/roboadvisor.com.tw\/portfolio-calculator\/?Camp=Blog\">\u6a5f\u5668\u4eba\u7406\u8ca1\u5b9a\u671f\u5b9a\u984d<\/a> 1 \u842c\u5143\uff0c60 \u6b72\u53ef\u4ee5\u7d2f\u7a4d 500 \u842c\uff0c\u6bcf\u5e74\u591a\u9818 20 \u842c\u5143\u7684\u9000\u4f11\u91d1<\/li>\n<li>30 \u6b72\u5b58\u4e86 200 \u842c\u5de6\u53f3\uff0c\u900f\u904e<a href=\"https:\/\/roboadvisor.com.tw\/portfolio-calculator\/?Camp=Blog\">\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\uff0c\u5c31\u7b97\u4e4b\u5f8c\u6c92\u6709\u518d<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4878\">\u5b9a\u671f\u5b9a\u984d<\/a>\uff0c\u53ea\u8981\u6301\u7e8c\u6295\u8cc7\uff0c60 \u6b72\u6642\u53ef\u4ee5\u6210\u9577\u5230 1,600 \u842c\uff0c\u6bcf\u5e74\u6709 70 \u842c\u7684\u6536\u5165<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u8cb7\u623f\u3001\u6295\u8cc7\u80a1\u7968\u3001<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\">ETF<\/a> \u90fd\u662f\u53ef\u4ee5\u5617\u8a66\u7684\u65b9\u5f0f\uff0c\u5c0d\u6295\u8cc7\u9084\u4e0d\u719f\u6089\u7684\u4eba\uff0c\u4e5f\u53ef\u4ee5\u7528\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=840\">\u8cc7\u7522\u914d\u7f6e<\/a>\u5de5\u5177\uff0c\u627e\u51fa\u9069\u5408\u81ea\u5df1\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=8918\">\u6295\u8cc7\u7d44\u5408<\/a>\u8207\u9810\u7b97\u3002<\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" title=\"\u6a5f\u5668\u4eba\u7406\u8ca1\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u904b\u4f5c\uff1f\u512a\u7f3a\u9ede\u6709\u54ea\u4e9b\uff1f\u7e3e\u6548\u5982\u4f55\uff1f\u53f0\u7063\u6a5f\u5668\u4eba\u7406\u8ca1\u7279\u8272\u6bd4\u8f03\">\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u6703\u8ffd\u8e64\u9054\u6210\u8ca1\u52d9\u76ee\u6a19\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1551\">\u6210\u529f\u6a5f\u7387<\/a>\u4e26\u63d0\u51fa\u8abf\u6574\u5efa\u8b70\uff0c\u6295\u8cc7\u5f8c\u63d0\u4f9b 24 \u5c0f\u6642\u76e3\u63a7\u8207<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1703\" title=\"\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u81ea\u52d5\u518d\u5e73\u8861\u4ecb\u7d39-Alpha\u2019s Portfolio Auto-Rebalancing\">\u81ea\u52d5\u518d\u5e73\u8861<\/a>\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u5168\u984d\u6708\u9000\u8981\u7b49\u5230 65 \u6b72\uff0c\u5e74\u8cc7 30 \u5e74\u7684\u66ff\u4ee3\u7387\u4e0a\u9650\u662f 61.5%\uff0c\u548c\u9000\u4f11\u524d\u751f\u6d3b\u6c34\u6e96\u4e4b\u9593\u7684\u5dee\u984d\uff0c\u8d8a\u65e9\u958b\u59cb\u5b58\u8d8a\u8f15\u9b06\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u60f3\u6cd5<\/h2>\n\n<p class=\"wp-block-paragraph\">\u6211\u89ba\u5f97\u516c\u52d9\u4eba\u54e1\u9000\u4f11\u6700\u5bb9\u6613\u641e\u6df7\u7684\uff0c\u662f\u628a\u300c\u53ef\u4ee5\u9000\u4f11\u300d\u548c\u300c\u53ef\u4ee5\u9818\u6708\u9000\u300d\u7576\u6210\u540c\u4e00\u4ef6\u4e8b\uff0c60 \u6b72\u62ff\u5230\u964d\u843d\u8a31\u53ef\uff0c\u8dd1\u9053\u537b\u8981\u5230 65 \u6b72\u624d\u958b\uff0c\u4e2d\u9593\u9019\u5e7e\u5e74\u600e\u9ebc\u904e\uff0c\u689d\u6587\u4e0d\u6703\u66ff\u4f60\u56de\u7b54\u3002<\/p>\n\n<p class=\"wp-block-paragraph\">\u6307\u6a19\u6578\u662f\u5e74\u6539\u7559\u4e0b\u7684\u904e\u6e21\u8a2d\u8a08\uff0c\u6211\u89ba\u5f97\u5b83\u5c0d\u5e74\u8cc7\u9577\u3001\u8d77\u6b65\u65e9\u7684\u4eba\u6bd4\u8f03\u53cb\u5584\uff0c58 \u6b72\u3001\u5e74\u8cc7 32 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class=\"wp-block-paragraph\">\u5236\u5ea6\u5167\u7684\u6708\u9000\u662f\u4e00\u689d\u7a69\u5b9a\u7684\u8dd1\u9053\uff0c\u8dd1\u9053\u5916\u7684\u90a3\u4e00\u6bb5\uff0c\u8981\u9760\u81ea\u5df1\u5b58\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 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