{"id":7058,"date":"2023-10-16T16:40:29","date_gmt":"2023-10-16T08:40:29","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=7058"},"modified":"2023-10-16T16:40:29","modified_gmt":"2023-10-16T08:40:29","slug":"ai%e6%a6%82%e5%bf%b5%e8%82%a1%e6%98%af%e6%b3%a1%e6%b2%ab%e5%97%8e%ef%bc%9f%e7%be%8e%e8%82%a1%e7%a7%91%e6%8a%80%e8%82%a1%e9%82%84%e8%83%bd%e6%8a%95%e8%b3%87%e5%97%8e%ef%bc%9f%e4%b8%80%e7%aa%ba2023","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=7058","title":{"rendered":"AI \u6982\u5ff5\u80a1\u662f\u6ce1\u6cab\u55ce\uff1f\u7f8e\u80a1\u79d1\u6280\u80a1\u9084\u80fd\u6295\u8cc7\u55ce\uff1f\u4e00\u7aba 2025\u5e74\u6700\u65b0\u7f8e\u80a1\u8da8\u52e2"},"content":{"rendered":"\n<p>\u4eca\u5e74\uff082023\uff09\u7684\u6295\u8cc7\u5e02\u5834\u5145\u6eff\u6ce2\u52d5\u8207\u6a5f\u6703\uff0c2023 \u4e0a\u534a\u5e74\u6700\u706b\u71b1\u7684\u6295\u8cc7\u6a19\u7684\u4e0d\u5916\u4e4e\u662f\u4ee5\u4e0b\u5169\u500b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AI \u76f8\u95dc\u80a1\u7968<\/li>\n\n\n\n<li>\u65e5\u672c\u80a1\u5e02<\/li>\n<\/ul>\n\n\n\n<p>AI \u76f8\u95dc\u7684\u6295\u8cc7\u5e36\u52d5\u6574\u9ad4\u80a1\u5e02\u4ee5\u53ca IPO \u5e02\u5834\uff0c\u7ffb\u8f49\u524d\u4e00\u5e74\u80a1\u5e02\u6158\u6de1\u7684\u8868\u73fe\u3002\u65e5\u80a1\u66f4\u662f\u8ddf\u8457\u65e5\u5713\u8cb6\u503c\uff0c\u8fce\u4f86\u5149\u69ae\u6642\u523b\uff0c\u300c\u65e5\u7d93\u6307\u6578\u300d\u8207\u300c\u6771\u8a3c\u6307\u6578\u300d\u96d9\u96d9\u7a81\u7834\u6578\u5341\u5e74\u9ad8\u9ede\u3002<\/p>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-ai\">AI \u80a1\u706b\u71b1\u5e36\u52d5\u7f8e\u570b\u80a1\u5e02\u5927\u6f32<\/a><\/li><li><a href=\"#aioseo-\">\u5927\u578b\u7f8e\u80a1\u79d1\u6280\u80a1\u6295\u8cc7\u662f\u6ce1\u6cab\u55ce\uff1f<\/a><\/li><li><a href=\"#aioseo-2024\">\u73fe\u5728\u9084\u53ef\u4ee5\u6295\u8cc7\u7f8e\u80a1\u79d1\u6280\u80a1\u55ce\uff1f\u4e00\u7aba 2024 \u6295\u8cc7\u7684\u8da8\u52e2<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-ai\">AI \u80a1\u706b\u71b1\u5e36\u52d5\u7f8e\u570b\u80a1\u5e02\u5927\u6f32<\/h2>\n\n\n\n<p>\u7531\u65bc\u5927\u578b\u8a9e\u8a00\u6a21\u578b\uff08LLM\uff09\u3001\u751f\u6210\u5f0f AI \uff08<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6089\" target=\"_blank\" rel=\"noopener\" title=\"\">ChatGPT<\/a>\uff09\u7684\u7206\u767c\u6027\u6210\u9577\uff0c\u4eca\u5e74\u4ee5\u4f86\u8207 AI \u76f8\u95dc\u7684\u5927\u578b\u79d1\u6280\u80a1\u6f32\u5e45\u9a5a\u4eba\u3002\u5c24\u5176\u662f\u81c9\u66f8\uff08Meta\uff09\u3001\u8f1d\u9054\u7b49\u79d1\u6280\u5927\u5ee0\uff0c\u5e36\u52d5\u6574\u9ad4\u80a1\u5e02\u5927\u5e45\u4e0a\u6f32\u3002 \u7136\u800c\u9019\u4e9b\u5927\u578b\u79d1\u6280\u80a1\u7684\u4e0a\u6f32\u5e45\u5ea6\u8d8a\u5927\u3001\u5728\u6307\u6578\u4e2d\u7684\u5360\u6bd4\u4e5f\u5c31\u8d8a\u9ad8\uff0c\u5c0d\u65bc\u6574\u9ad4\u80a1\u7968\u5e02\u5834\u7684\u5f71\u97ff\u4e5f\u5c31\u8d8a\u5927\u3002\u5f9e\u4e0b\u5716\u53ef\u4ee5\u770b\u5230\uff0c\u9019\u4e9b\u53d7\u60e0\u65bc AI \u7684\u500b\u80a1\u4eca\u5e74\u6f32\u5e45\u9a5a\u4eba\uff0c\u7136\u800c\u5176\u4ed6\u80a1\u7968\u50c5\u6709\u5fae\u5e45\u4e0a\u6f32\uff0c\u76f8\u7576\u65bc\u4eca\u5e74\u7684 S&amp;P 500 \u6f32\u5e45\u5e7e\u4e4e\u5168\u4f86\u81ea AI \u76f8\u95dc\u80a1\u3002\u4e3b\u8981\u7684\u539f\u56e0\u4e4b\u4e00\uff0c\u662f\u56e0\u70ba<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u9019\u4e9b\u516c\u53f8\u591a\u534a\u5c6c\u65bc\u5728 AI \u76f8\u95dc\u9818\u57df\u7684\u300c\u65e9\u671f\u8d0f\u5bb6\u300d\uff0c\u6216\u662f\u65e9\u671f\u4f48\u5c40\u8005\uff0c\u5df2\u7d93\u8017\u8cbb\u5927\u91cf\u8cc7\u6e90\u5728 AI \u6a21\u578b\u8a13\u7df4\u3001\u96f2\u7aef\u6a5f\u623f\u3001\u534a\u5c0e\u9ad4\u8a2d\u65bd\u7b49\uff0c\u56e0\u6b64\u5728\u9019\u6ce2\u80a1\u5e02\u4e0a\u6f32\u4e2d\u4eab\u53d7\u4e0d\u5c11\u597d\u8655\u3002<\/mark><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-16.png\" alt=\"\" class=\"wp-image-7059\" width=\"669\" height=\"473\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-16.png 1020w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-16-300x212.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-16-768x543.png 768w\" sizes=\"auto, (max-width: 669px) 100vw, 669px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aGoldman Sachs\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<p>\u800c\u4eca\u5e74\u5176\u5be6\u4e0d\u662f\u7279\u4f8b\uff0c\u904e\u53bb\u5e7e\u5e74\u4ee5\u4f86\u5927\u578b\u79d1\u6280\u80a1\u7684\u8868\u73fe\u4e00\u76f4\u90fd\u512a\u65bc\u5176\u4ed6\u985e\u80a1\u3002\u9019\u4e9b\u79d1\u6280\u5de8\u982d\u5728\u904e\u53bb\u5e7e\u5e74\u6210\u9577\u9060\u8d85\u904e\u5176\u4ed6\u500b\u80a1\u4e0d\u662f\u6c92\u6709\u539f\u56e0\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1039\" height=\"411\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-19.png\" alt=\"\" class=\"wp-image-7062\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-19.png 1039w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-19-300x119.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-19-1024x405.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-19-768x304.png 768w\" sizes=\"auto, (max-width: 1039px) 100vw, 1039px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aGoldman Sachs\u3001The Irrelevant Investor\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<p>\u5982\u679c\u548c\u5176\u4ed6\u5730\u5340\u7684\u80a1\u5e02\u76f8\u6bd4\uff0c\u843d\u5dee\u7684\u60c5\u6cc1\u66f4\u662f\u660e\u986f\u3002S&amp;P 500 \u4eca\u5e74\u4ee5\u4f86\u7684\u4e0a\u6f32\u5e7e\u4e4e\u5168\u4f86\u81ea\u6700\u5927\u7684\u5e7e\u652f\u80a1\u7968\uff0c\u6700\u5927\u7684 15 \u5bb6\u516c\u53f8\u4f54\u64da\u4eca\u5e74\u4e0a\u534a S&amp;P 500 \u6307\u6578 90% \u7684\u5831\u916c\uff1b\u6263\u9664\u6389\u79d1\u6280\u80a1\u4e4b\u5f8c\uff0c\u5176\u9918\u7684\u80a1\u7968\u8868\u73fe\u76f8\u5c0d\u4e0d\u662f\u5f88\u4eae\u773c\u3002\u7f8e\u570b\u80a1\u5e02\u7684\u60c5\u6cc1\u8207\u4eca\u5e74\u53e6\u4e00\u500b\u7126\u9ede\u5e02\u5834 \u2014 \u65e5\u672c\u80a1\u5e02\uff0c\u5c31\u6709\u8457\u6975\u5927\u7684\u5dee\u7570\uff1a\u65e5\u80a1\u7684\u5927\u578b\u80a1\u548c\u6574\u9ad4\u5e02\u5834\u7684\u8868\u73fe\u76f8\u5c0d\u63a5\u8fd1\u8a31\u591a\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1056\" height=\"723\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-17.png\" alt=\"\" class=\"wp-image-7060\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-17.png 1056w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-17-300x205.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-17-1024x701.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-17-768x526.png 768w\" sizes=\"auto, (max-width: 1056px) 100vw, 1056px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aGoldman Sachs\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u5927\u578b\u7f8e\u80a1\u79d1\u6280\u80a1\u6295\u8cc7\u662f\u6ce1\u6cab\u55ce\uff1f<\/h2>\n\n\n\n<p>\u9019\u4e9b\u5927\u578b\u7f8e\u80a1\u79d1\u6280\u80a1\u3001AI \u6982\u5ff5\u80a1\u7684\u8868\u73fe\u4e4b\u512a\u7570\uff0c\u4ee5\u53ca\u76ee\u524d\u5e02\u5834\u5c0d\u65bc AI \u6295\u8cc7\u548c\u76f8\u95dc\u61c9\u7528\u7684\u72c2\u71b1\uff0c\u4e0d\u514d\u8b93\u5f88\u591a\u4eba\u60f3\u8d77 20 \u591a\u5e74\u524d\u7684\u6ce1\u6cab\uff1a\u7db2\u8def\u6ce1\u6cab\u5316\uff08Dot-com Bubble\uff09\u3002<\/p>\n\n\n\n<p>\u5982\u4eca\u9019\u4e9b\u5927\u578b\u7f8e\u80a1\u79d1\u6280\u80a1\u548c 2000 \u5e74\u7db2\u8def\u6ce1\u6cab\u5316\u6642\u7684\u79d1\u6280\u80a1\u76f8\u6bd4\uff0c\u5176\u5be6\u662f\u6709\u8a31\u591a\u4e0d\u540c\u4e4b\u8655\u3002\u5c31\u5e02\u503c\u4ee5\u53ca\u80a1\u5e02\u5360\u6bd4\u800c\u8a00\uff0c\u73fe\u5728\u8207 AI \u80a1\u76f8\u95dc\u7684\u5927\u578b\u7f8e\u570b\u79d1\u6280\u80a1\u898f\u6a21\u5927\u4e86\u8a31\u591a\u3002\u800c\u4e14\u6295\u8cc7\u9280\u884c<a href=\"https:\/\/www.goldmansachs.com\/intelligence\/pages\/why-ai-stocks-arent-in-a-bubble.html\" target=\"_blank\" rel=\"noopener\" title=\"\">\u9ad8\u76db\u6307\u51fa<\/a>\uff0c\u76ee\u524d\u9019\u4e9b\u516c\u53f8\u5c31\u4f30\u503c\u4f86\u770b\uff0c\u4ecd\u7136\u662f\u76f8\u5c0d\u4fbf\u5b9c\u7684 \u2014 \u81f3\u5c11\u548c 20 \u5e74\u524d\u6ce1\u6cab\u7834\u88c2\u7684\u516c\u53f8\u76f8\u6bd4\u3002\u76ee\u524d\u50cf\u662f\u5fae\u8edf\u3001\u4e9e\u99ac\u905c\u5982\u4eca\u90fd\u6709<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u591a\u5143\u5316\u7684\u696d\u52d9\u4ee5\u53ca\u7a69\u5065\u7684\u71df\u6536<\/mark><\/strong>\uff0c\u4e14\u66f4\u504f\u5411\u8655\u5728\u65b0\u6280\u8853\u5468\u671f\u7684\u65e9\u671f\u968e\u6bb5\uff0c\u6574\u9ad4\u548c 2000 \u5e74\u9677\u5165\u6295\u8cc7\u72c2\u6f6e\u7684\u60c5\u6cc1\u6709\u5f88\u5927\u7684\u4e0d\u540c\u3002<\/p>\n\n\n\n<p>\u73fe\u4eca\u6709\u8457 M7 \u4e4b\u7a31\u7684 7 \u5927\u79d1\u6280\u80a1\u5e73\u5747\u672c\u76ca\u6bd4\u7d04\u70ba 25 \u500d\uff0c\u76f8\u8f03\u65bc\u904e\u53bb\u7684\u6295\u8cc7\u6ce1\u6cab\u4e2d\u5927\u578b\u80a1\u7684<strong>\u672c\u76ca\u6bd4<\/strong>\u4f86\u7684\u6b63\u5e38\u8a31\u591a\u3002\u7db2\u8def\u6ce1\u6cab\u7834\u88c2\u524d\u9019\u4e9b\u5927\u578b\u80a1\u7684\u672c\u76ca\u6bd4\u7d04\u70ba 52 \u500d\uff1b1960 \u5e74\u4ee3\u7684 Nifty Fifty \u6ce1\u6cab\u4e2d\uff0c\u9019\u4e9b\u516c\u53f8\u7684\u672c\u76ca\u6bd4\u4e5f\u8d85\u904e 34\u3002<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u5118\u7ba1\u76ee\u524d AI \u6295\u8cc7\u76f8\u95dc\u8b70\u984c\u706b\u71b1\uff0c\u6295\u8cc7\u4eba\u5c0d\u65bc\u9019\u4e9b\u79d1\u6280\u80a1\u7684\u9810\u671f\u6210\u9577\u4e5f\u63d0\u9ad8\uff0c\u4f46\u4ecd\u9060\u4f4e\u65bc 1990 \u5e74\u4ee3\u672b\u7db2\u8def\u6ce1\u6cab\u5316\u6642\u7684\u6210\u9577\u9810\u671f\u3002<\/mark><\/strong><\/p>\n\n\n\n<p>\u2705<strong>\u672c\u76ca\u6bd4\uff08P\/E Ratio\uff09<\/strong>\u662f\u6307\u80a1\u7968\u50f9\u683c\u8207\u6bcf\u80a1\u76c8\u9918\uff08EPS\uff09\u7684\u6bd4\u503c\uff0c\u662f\u8a55\u4f30\u516c\u53f8\u80a1\u50f9\u662f\u5426\u5408\u7406\u7684\u91cd\u8981\u6307\u6a19\u4e4b\u4e00\u3002\u8a08\u7b97\u65b9\u5f0f\u70ba\uff1a\u672c\u76ca\u6bd4 = \u80a1\u7968\u50f9\u683c \/ \u6bcf\u80a1\u76c8\u9918\u3002<\/p>\n\n\n\n<p><strong>\u9ad8\u672c\u76ca\u6bd4<\/strong>\uff1a\u53ef\u80fd\u610f\u5473\u8457\u5e02\u5834\u5c0d\u8a72\u516c\u53f8\u7684\u672a\u4f86\u6210\u9577\u6027\u6709\u4fe1\u5fc3\uff0c\u4f46\u4e5f\u53ef\u80fd\u4ee3\u8868\u80a1\u50f9\u904e\u9ad8\u3002<strong>\u4f4e\u672c\u76ca\u6bd4<\/strong>\uff1a\u53ef\u80fd\u8868\u793a\u80a1\u7968\u88ab\u4f4e\u4f30\uff0c\u4f46\u4e5f\u53ef\u80fd\u53cd\u6620\u516c\u53f8\u9762\u81e8\u6311\u6230\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1033\" height=\"580\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-20.png\" alt=\"\" class=\"wp-image-7063\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-20.png 1033w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-20-300x168.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-20-1024x575.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-20-768x431.png 768w\" sizes=\"auto, (max-width: 1033px) 100vw, 1033px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aGoldman Sachs\u3001The Irrelevant Investor\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-2024\">\u73fe\u5728\u9084\u53ef\u4ee5\u6295\u8cc7\u7f8e\u80a1\u79d1\u6280\u80a1\u55ce\uff1f\u4e00\u7aba 2024 \u6295\u8cc7\u7684\u8da8\u52e2<\/h2>\n\n\n\n<p>\u5982\u540c\u524d\u6bb5\u6240\u8ff0\uff0c\u76ee\u524d\u9019\u4e9b\u7f8e\u80a1\u79d1\u6280\u80a1\u4f30\u503c\u4ecd\u7136\u4e0d\u7b97\u904e\u9ad8\uff0c\u4e5f\u6709\u7a69\u5065\u7684\u7372\u5229\u80fd\u529b\u548c\u696d\u52d9\uff0c\u56e0\u6b64\u77ed\u671f\u770b\u8d77\u4f86\u9084\u6c92\u6709\u6ce1\u6cab\u5d29\u76e4\u7684\u5371\u6a5f\u3002\u4f46\u662f\u6211\u5011\u8981\u600e\u9ebc\u505a\u624d\u80fd\u6436\u5f97\u5148\u6a5f\uff0c\u5e03\u5c40\u5728\u9019\u4e9b\u98c6\u6f32\u7684\u8cc7\u7522\u985e\u5225\u5462\uff1f<\/p>\n\n\n\n<p>\u5148\u770b\u770b\u5f9e\u9019\u500b\u4e16\u7d00\u521d\u4ee5\u4f86\uff0c\u90a3\u65af\u9054\u514b\u6307\u6578\uff08\u79d1\u6280\u80a1\uff09\u3001MSCI\u6b50\u6fb3\u9060\u6771\u6307\u6578\uff08\u5df2\u958b\u767c\u5e02\u5834\u9664\u7f8e\u570b\uff09\u3001\u7f85\u7d20 1000 \u6307\u6578\uff08\u7f8e\u570b\u6574\u9ad4\u80a1\u5e02\uff09\u548c\u5bcc\u6642\u4e16\u754c\u6307\u6578\uff08\u5df2\u958b\u767c\u5e02\u5834\uff09\u7684\u8868\u73fe\u3002\u7f8e\u570b\u80a1\u5e02\u5177\u6709\u58d3\u5012\u6027\u7684\u512a\u52e2\uff0c\u800c\u4ee5\u79d1\u6280\u80a1\u70ba\u4e3b\u7684\u90a3\u65af\u9054\u514b\u6307\u6578\u66f4\u662f\u8868\u73fe\u9060\u8d85\u5176\u4ed6\u5c0d\u624b\uff0c\u53cd\u6620\u8fd1\u5e74\u5927\u578b\u79d1\u6280\u516c\u53f8\u7684\u6210\u9577\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1334\" height=\"889\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-24.png\" alt=\"\" class=\"wp-image-7067\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-24.png 1334w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-24-300x200.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-24-1024x682.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-24-768x512.png 768w\" sizes=\"auto, (max-width: 1334px) 100vw, 1334px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar Direct\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<p>\u770b\u770b\u8fd1\u5341\u5e74\uff08\u76f4\u5230\u75ab\u60c5\u524d\uff09\u7684\u60c5\u6cc1\u66f4\u662f\u5982\u6b64\uff0c\u90a3\u65af\u9054\u514b\u6307\u6578\u7684\u8868\u73fe\u5c07\u5176\u4ed6\u6307\u6578\u9060\u9060\u62cb\u5728\u5f8c\uff0c\u8868\u73fe\u5927\u5e45\u52dd\u904e\u5176\u4ed6\u5df2\u958b\u767c\u5e02\u5834\uff1b\u800c\u7f8e\u80a1\u7684\u8868\u73fe\u4e5f\u6bd4\u8d77\u5176\u4ed6\u5df2\u958b\u767c\u5e02\u5834\uff08\u65e5\u80a1\u3001\u6b50\u80a1\uff09\u597d\u4e0a\u8a31\u591a\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1334\" height=\"889\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-25.png\" alt=\"\" class=\"wp-image-7068\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-25.png 1334w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-25-300x200.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-25-1024x682.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-25-768x512.png 768w\" sizes=\"auto, (max-width: 1334px) 100vw, 1334px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar Direct\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<p>\u4f46\u662f\u5982\u679c\u5f80\u524d\u770b 10 \u5e74\uff0c\u60c5\u6cc1\u5c31\u4e0d\u4e00\u6a23\u4e86\u3002\u5728 2000 \u5e74\u5230 2010 \u5e74\u4e4b\u9593\uff0c\u7f8e\u80a1\u7684\u8868\u73fe\u9060\u5dee\u904e\u5176\u4ed6\u5df2\u958b\u767c\u5e02\u5834\uff1b\u800c\u90a3\u65af\u9054\u514b\u6307\u6578\u66f4\u6158\uff0c\u7531\u65bc\u7db2\u8def\u6ce1\u6cab\u5316\u6295\u8cc7\u4eba\u5c0d\u65bc\u7f8e\u80a1\u79d1\u6280\u80a1\u5931\u53bb\u4fe1\u5fc3\uff0c\u6295\u8cc7 10 \u5e74\u7d2f\u7a4d\u5831\u916c\u70ba 0\uff0c\u5b8c\u5168\u662f\u767d\u5fd9\u4e00\u5834\uff1b\u5982\u679c\u8003\u91cf\u5230\u901a\u81a8\u56e0\u7d20\u751a\u81f3\u662f\u8ca0\u5831\u916c\u3002\u9019\u671f\u9593\u7531\u65bc\u7f8e\u80a1\u8868\u73fe\u5f88\u5dee\uff0c\u4e5f\u88ab\u7a31\u4f5c\u7f8e\u80a1\u5931\u843d\u7684 10 \u5e74\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1334\" height=\"889\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-26.png\" alt=\"\" class=\"wp-image-7069\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-26.png 1334w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-26-300x200.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-26-1024x682.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/09\/image-26-768x512.png 768w\" sizes=\"auto, (max-width: 1334px) 100vw, 1334px\" \/><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar Direct\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<\/figcaption><\/figure>\n\n\n\n<p>\u5982\u679c\u7d9c\u89c0\u9019\u4e09\u500b\u6642\u671f\uff0c\u53ef\u4ee5\u5f88\u660e\u986f\u5730\u767c\u73fe\u7f8e\u80a1\u5927\u76e4\u3001\u7f8e\u80a1\u79d1\u6280\u80a1\u3001\u65e5\u6b50\u80a1\u5e02\u3001\u79d1\u6280\u80a1\u5404\u6709\u5343\u79cb\uff0c\u4f46\u662f\u5982\u679c\u6295\u8cc7\u5728\u6574\u9ad4\u5df2\u958b\u767c\u80a1\u5e02\uff0c\u5728\u4e0d\u540c\u671f\u9593\u90fd\u53ef\u4ee5\u7372\u5f97\u4e0d\u932f\u7684\u5831\u916c\u3002\u63db\u53e5\u8a71\u8aaa\uff0c<mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\"><strong>\u7121\u8ad6\u5728\u4ec0\u9ebc\u6642\u671f\uff0c\u53ea\u8981\u900f\u904e\u591a\u5143\u5206\u6563\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u4e26\u4e14\u9577\u671f\u6295\u8cc7\uff0c\u5c31\u53ef\u4ee5\u78ba\u4fdd\u5728\u4e0d\u540c\u6642\u9593\u90fd\u4eab\u53d7\u5230\u6295\u8cc7\u5e02\u5834\u8d0f\u5bb6\u5e36\u4f86\u7684\u597d\u8655\uff0c\u4e5f\u4e0d\u6703\u932f\u5931\u9019\u4e9b\u65e9\u671f\u9032\u5165\u8005\u5e36\u4f86\u7684\u512a\u7570\u6295\u8cc7\u5831\u916c\u3002<\/strong><\/mark><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-text-align-center\"><strong>\u3010\u91cd\u8981\u8072\u660e\u3011<\/strong><\/p>\n\n\n\n<p 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